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Oh, good. How's your day been so far? Yeah? All good. Well, I'll try not to take up too much of your time just to kinda go through things with you and see how everything's been going and look and see if there's some new advice that we need to provide there for you. I normally send you an a like, an annual review pack to use for your emails. Are you able to access those at all? No. You're alright. I I normally send you, like, an annual review pass to your email to go through with me. Are you able to access your emails at the moment? Yeah. That's okay. No problem at all. I'll just that's okay. You're absolutely fine. Alright. No. That's you're absolutely fine, honestly. You're a good soul for doing for doing their job. You're a good soul, aren't you? Hopefully, you get paid overtime for that. Double time. No. You're right. That's okay. You're fine. No need to worry. I've got plenty of time. I'm here for you. It's not an issue. But yes. Yeah. It is. It's 06:30 my time. No. You are honestly fine. You're fine. I generally work till seven Queensland time on a Thursday, but because you're in WA, when my team members asked me, I said, absolutely. It is fine. I will stay here and be here for you. Don't you worry. That's what you pay us for. Yeah. You're right. If you find you can't access it, honestly, it's not a problem. I can go through things with you. It's just sometimes easier when you're looking at it. That's all. Michael, just to kinda let you know before we go through and discuss anything personal, I do have to report our call moving forward with any and quality purposes. Are you comfortable with that? Yes. Beautiful. And just a little quick security check there for you as well. I just need you to confirm your full name, your date of birth, and address I should have on file. Yep. Yep. Yeah. That's actually fine. No. No. You did good. All good. Dana. Yep. That's the one. Beautiful. So with that one there, if you open it up and press on the sign button, it'll just take you through so you can view the document. But I will never ask you to sign anything you haven't read. So it won't ask you to sign anything until you've gone through those. Okay? Excellent. And the first document, when you are able to see it, it should say summary of superannuation and insurance there. Can you see that? Is that working for you? The first document that yeah, you're right. The first document that should show up should say summary of the renuation and insurances. Yep. Yep. There should be a tab on the top of there. It might say sign document or sign here. You got it? That's the one. Yes. Yeah. So we're sitting at 97,000 in Hub 24 there. $97,095.13. I want to get that 13¢ there. And then in in Australian, so with the last research, we were able to get there. I'm currently showing 26,607 and 15¢ there. So I do wanna kinda move a little bit of money out of the screen super into Hub twenty four to make it kinda keep working for you. But I also kind of wanna update and change your portfolio a little bit as well because I had a bit of a look at things, and there's definitely some changes we can make to kinda make things work a bit harder for you. Okay? The the insurance is on the bottom there. Now we've kinda kept those in place because that was more your comfort level. You still feel that they're appropriate. Are you still happy keeping those insurances in place that's still important for you to retain? Yep. Yeah. Absolutely. Now these insurances within Australia, they do get to the point where they do actually expire. Normally, income protection and PPD will expire first, and then life expires later down the track. That's why they kinda keep getting lower and lower values. But for the time being, keeping them there for another year, if that's important to you, then we'll absolutely do that. Just making sure you're comfortable with that. Yep. Beautiful. And just to kind of explain, with the insurances, do you understand how they work? Do you have any questions around the different types of cover, how they pay, what happens, or anything like that? Yeah. Did you want me to yeah. Yeah. Did you want me to give you a brief run through of the three different types of cover and how they work? No worries. So your life cover is very straightforward. It pays out a a benefit in the event that you pass away. If you were to pass away based on the current level of cover you have, the 9,000 is paid out to your beneficiaries, but then your super balance is also paid out. So you've also got the $26,006.00 7 and 15¢, plus to have 24 balance and the 9,000 of life cover. So overall, the total death benefit you you have is a 132,702 and 28¢ there. Okay? In the event of passing, and I'm sorry. These are terribly conversations to have, but in the event of passing, where is it that you want that money to be paid to? Who is your beneficiary that you would prefer to have that paid to? Lisa Jack. Beautiful. And she's yourself? Yep. Beautiful. So you have a binding in nomination. That essentially means that within Australian Super, that nomination has to be redone every three years. It is due to be done again next year, so I'll make sure that we have that completed for you prior to it being updated. But on your hub twenty on your hub twenty four super fund, you actually don't have a beneficiary nomination in place. So I do wanna make sure that that is updated, and we have that nomination made for you. So just confirming, you want a 100% of all your super to be paid to Alicia? Yep. Beautiful. Are you comfortable with us prefilling that nomination for you to make it easier? Yep. Beautiful. And just to confirm, so with twenty four, they actually have a couple of different nomination options for you. You can have a binding, like, the same as what you have on Australian Super, which means you just refill the document out every three years, or I can actually make it a binding non lasting nomination, which means you do it now. We leave it on file. I check it with you every year, and it only has to be updated if you wanna change the person that you're nominated. Which way would you prefer to go? Yeah. Yeah. We'll fill it out once and not have to again unless you just change your mind. Yep. Perfect. The least amount of paperwork we have that you have to do probably is the best way to go. Absolutely. Fantastic. Not a problem. Well, I will get that sorted for you, get the team to send it out for you to be signed. Did you want it emailed or posted? What's the easiest or best option for you to have that signed and returned? I can do both if you would like. Yep. Yep. Beautiful. And then I'll get my team to follow it up for you as well to make sure that we can have that applied because the last thing I would want for you is something to happen, and that's super not to get to where you want it to be or for it to go through a probate process and make it difficult on Alicia. So I'll get that organized ASAP for you. Beautiful. Excellent. Now with TBD, that's total permanent disability, it pays out a benefit in the event that you're unable to ever go back to work again. So you've only got about 5,000 of cover there with TBD. But, again, given your age, you can actually you're not able to go back to work again, also access super. And because you're over 60, the TBD benefit and access to your super is all tax free. Do you realistically have a disability benefit of about a 128,702? Okay? Excellent. And then your income protection pays out a, technically, a monthly benefit in the event that you're unable to go back to work ever again. Income protection is generally important when we can't access super, but if anything happened, you were not able to go back to work because you're over 60, you can actually also access your super there. So income protection is still important for you to keep a bit longer. Is that right? Yep. Yeah. That's absolutely fine. You do as if you see on the bottom there, you do have a waiting and benefit period on that income protection policy. So it means you just have to be off work for sixty days prior to you making a claim, and then you can be on a claim for up to two years in the event that something was to happen. Okay. All good. All good. Yeah. You're not paying a great deal for it out of the Australian Superfund. You paid about $893 to keep those insurances in place for this year. That, obviously, the insurances do get less and less. So we'll keep kinda going through and checking with you each year. And whenever you're comfortable canceling them or when you feel you no longer need them again or if they just expire, then we can always look to consolidate your funds and put everything into hub twenty four. But for the moment, keeping Australians is important whilst you're wanting those insurance in place. Okay? Excellent. All good. Now the next document in there is your performance report, and it just has hub 24. But it essentially shows for the last twelve months there, your super has returned a performance of 6.12% net or after fee. It isn't a bad return given your portfolio, but it is a bit lower because of the market ups and downs that we have sort of seen this year. But it's good that you have sort of come up with a 6% return. I did also have a little bit of a look at your super and the individual investment. I can sort of see some changes that realistically we should make. You do have one investment that is kind of underperforming a little bit at the moment, so I would like to maybe go back and maybe make some changes, a little bit updating your portfolio for you. Are you comfortable with me reviewing things and updating that for you? Yes. Beautiful. If you are looking at that second document, the the internal rate of return, it sounds like you're driving. Are you driving at the moment? No. That's you're okay. I just I could hear something ticking in the background. I thought I don't wanna be, you know, asking if you're looking at documents if or if you're driving. I don't wanna be unsafe at all. But if you're looking at that second document there, the performance of internal rate of return, on the first page, it outlines all the individual investments there that you have in your portfolio. The first one is the Benelong Australian Equities. That is giving you access to the Australian market, and that's the investment that realistically is not performing very well. That investment manager, he it's more of an actively managed fund. So that investment manager is supposed to be trying to time the market and outperform against the market, but they haven't been able to do so. And I sort of think given your time of life, it's not really worth you being in an investor that's underperforming. So I'd like to remove that out of your portfolio and replace that if you're comfortable with me doing it. So we have some passively managed investment options, which one of the biggest differences is that Benelmong Australian equity fund, that investment holds about 15 to 25 different investments within that portfolio. I can replace it with, like, an Australian 200 fund, which is giving you access or exposure to the top 200 companies on the ASX. And that type of investment is giving you more diversification. It's also a cheaper investment. It's not actively managed. It's more of a passively managed fund. So the investment manager is just trying to stay invested in the market and changes the investments with the in with the index, so the a 200 index, essentially. That could also be a lower cost investment, so it might be cheaper to hold, which means that your fees could decrease, which would be good. Yep. Yep. Beautiful. Excellent. The other investments in there have performed nicely. The other ones, if you scroll down, you've got bank hybrids. These are more of a defensive investment. These are actually being phased out by the government. So I'm actually thinking I'd probably like to move that from your portfolio and replace it because these bank hybrids are more of a complex kind of banking investment. The government's gonna phase them out over the next couple of years, so we either move them now or we wait till down the track when we have to remove them from your portfolio. So if I'm gonna make changes, I'd probably do that now. Yeah. Absolutely. You've got some cyber sorry. What was that? Yeah. Absolutely. You've also got cybersecurity in there, which has performed very nicely. The one underneath that with the ticket code Q o zed, that's the beta shares Raffi 200. That is giving you exposure to some 200 of the, you know, largest companies on the ASX market. If you've also got physical gold, which has done really, really well as one of your best performers in your portfolio over the year. And then you've also got underneath that the s and p 500, and that's giving you exposure to some top 500 companies on The US market, which is, again, done really well over 10% for this year, so it's good to see. You've also got the iCare Fios Plus. This is a lower risk investment, so it's giving you access to high income producing shares. It's done about 3%. Not great, but it's expected for this kind of investment. And then the last one there is the JPMorgan asset management fund. That has done very, very well. That, again, is a bit of an actively managed fund, so it's utilizing JPMorgan's research team to kind of climb the market, pick investments that are doing really well. It has done very, very well for you. But the other thing I kinda wanted to check-in with you is when we look at risk in a portfolio, you you have, like, the risk where you have growth and defensive assets and that kind of risk factor, but you also have risk in active and passive managed funds. So where there's managed funds that the investment managers try to tie in the market and pick investments, you actually take a bit more risk to have those investments in there because if they time it wrong, if they don't pick the right investments, it can affect your portfolio. Having passively managed funds can also reduce risk of your portfolio. Because of your age and stage and where you're at in life, would you like me to maybe alter the portfolio to reduce that risk and have it more passively managed, or do you wanna see some of that active management in there and comfortable taking a bit more risk in your portfolio? Does that make sense? And do you have questions? Reduce the risk. Yep. Beautiful. I can do that for you. We'll look at some passive funds. Beautiful. So that's sort of how your portfolio is performed. I've got some good ideas to remove those for you. But, realistically, in the last twelve months, the 6% return isn't bad for your portfolio, which is good. We just wanna keep building on that for you. Okay? Yep. Beautiful. Beautiful. The next couple of documents in there is the Vanguard index chart. Is this gives you an idea and a guide of how markets change and react over time? I'm kind of not gonna bore you and go through a lot of that. It's just a bit of a guide. Did you wanna kind of go through the index chart and talk about how investments move and the different types of investment risks and things like that, or are you happy with what we've kinda gone through? That's that's okay. Not everyone's that interested in the investment side of things, so we keep adding there as a bit of a guide. It's a bit of a talking point. It's all good. The next document that's okay. You're fine. The next document in there is the financial service It's got that outlines everything about who we are, what we do, and how we do it. We've updated it recently as well, so it's got a lovely picture of me in there. I always tell people it's a pretty boring document. If you have trouble sleeping one night, you could whip that one out and have a bit of a read. But, otherwise, it this is kind of a a legal document that allows everything about who we are as advisers. It has all of our licensing information there for you and all of our services as well. Okay? The last document on there is the ongoing service agreement for the next twelve months there. So you are on an ongoing service fee for our services for having us look after your super and continue to update the advice and work towards your goals there. It is 1.65% per annum. As of next year, our ongoing service fee structure changes a little bit. Essentially, we'll end up with a tiered structure. So once your balance gets over 200,000, then the percentage drops a little bit until 500,000, and it continues to drop as your balance increases. We go into the next tier structure. So your balance will increase, and the next tier is a lower percentage fee. At the moment, it's not really gonna affect your super balance, but I wanna get you up there so you can kind of go through the tiered structure and reduce that percentage each time. But for now, it's just that 1.65%, and that is per annum. And it said deducted from your super account on a monthly basis in smaller monthly increments. Do you have any questions about how the fee structure works? Or not beautiful. Beautiful. Well, once you've had a look through those documents, if you are comfortable to sign those, I will get you to sign and return them back. The last document as you are signing to them is the tax file opt in form. So it's essentially just letting you know that we hold your tax file number. We do so we have to because we set your super account up. But because we are very security conscious, we just wanna let you know that we hold this personal information, how and why, and this document outlines that for you. Okay? Excellent. All good. Thank you so much for that. I'm just gonna run through and update a couple of details there with your circumstances currently just to make sure when I'm updating the advice that I have the correct information. Just checking income wise, we had you on about 70,000 per annum. Are you still on that have you had a pay rise? No? Oh, you'll worth more money than that, especially today. Oh, I have to have a chat to them. I'll tell you what. All good. So about 70,000 is correct. Is that right? Yes. Yes. That's okay. We also were able to save on a weekly basis around about 50 to $200 per week depending on bills and expenses. Are you still finding that or you're sort of finding it harder to save at the moment? Not real sure. Yep. That's yeah. That's okay. That's not a problem at all. I've also got your main primary residence down. We had an asset value of about 3 oh, sorry. Yeah. About 300,000. What kind of value would you put on your house now, do you think? Yeah. Mhmm. Yeah. Wow. That's crazy, isn't it? It's great, though. Yeah. Yes. Yes. It's what someone would pay for it. Yeah. Yeah. Absolutely. No. All good. With the loan on the property, we had you owing about a 120,000. Have you been able to reduce that recently in the last year? No. That's okay. Would it be just under that 120 or around about the same? Yep. That's it. Yeah. That's okay. I'll just I I will just note a 120,000 and just say it should be a little bit lower than that. That's okay. You're absolutely fine. Your car we had, it doesn't tell me what car it is, but an asset value of 8,000. Is that one of your cars you'd value close to that? Yep. Beautiful. Yep. Yep. Yep. Okay. Yep. Beautiful. And both those Dodge Dodge vehicles are debt free. You don't owe any money on them at all? Yep. Beautiful. I've also got a yeah. Lovely. All the taxes. I've also got a Hyundai Accent. Do you still have that vehicle? Sold that one. Beautiful. And I've also got, I believe, another car down valued at 15,000, but I would say it's probably the other Dodge, the caliber that we just talked about then. Yep. Yep. Beautiful. Fantastic. Thank you for updating that. Do you have any other debts or credit cards or anything else or any other assets you'd note down? No? No. That's okay. That's absolutely fine. Thank you for updating those details there. I had down here so we were looking at originally your goal of retirement or accessing your super. Just double checking. Around about age 67, is that still technically your goal for being able to access super? Yep. Yep. That's okay. Beautiful. So, realistically, just double checking. So you're 63 this year. Is that right? '63 now. Yeah. That's okay. I was just doing some quick math with the date of birth. So '67 for a time. Beautiful. '63 now. Essentially giving you about four years until you're wanting to access super. Am I on the right track with that? Yep. Beautiful. And does does your partner work as well? Does Alicia work? Okay. Okay. No worries. So she wouldn't have much super. So in retirement, it's sort of your super and age pension accessibility. Is that right? Okay. That's alright. Not a problem. Just so I've got a bit of an idea. Because when I go back and sort of look at changing your investment for you, I can project forward over the next sort of four years to look at where we might be able to end up. And what that looks like, you know, with age pension eligibility. So it's something that I definitely look at when we get closer. And when you actually retire and wanna access super at 57, I can help you with the age pension side of things as well and look at how to access age pension, but then how to supplement with what's super you have to try and make it last as long as possible for you. Okay. Yeah. Yeah. All good. The only other thing I don't have on here, do you happen to know Alicia's phone number off by heart? No. Yeah. That's okay. It's just the next of kin. I've got Alicia down as next of kin for you. I just need to update the phone number. We won't call her for any reason. It's more just if we can't get a hold of you, it's just giving her a call to see, you know, how we how we catch you. That's all. Yes. Yes. Yep. Yep. Yep. Beautiful. Thank you so much for updating that. Appreciate it. The the other thing down the track, at the moment, given your super balance is a little bit lower, there are other strategies that we can kinda put in place down the track, like trends through a time a time and strategies and things like that. I don't know if that would really work at the moment, but your balance is a little bit lower. But down the track, if that works out for you, are you open to other strategies and maybe adding more money into super, like salary sacrifice and things like that to kinda boost your super. Are you open to or you're finding it's not really possible? Later. No. That's okay. That's not a problem at all. I can sort of hold off those additional strategies to later right now. Just look at, you know, maneuvering your investors a little bit and trying to give you a super a bit more of a boost that way. Okay. Excellent. And the last thing I just wanted to do with you there is just to go through an updated risk profile just to make sure you are invested in the correct portfolio there and just to see whether I need to reduce or look at your risk level as well. The just a sorry. You're right. Mhmm. Yeah. Would you like me to incorporate that into the advice to show you what that might look like? I could always recommend to change the investment portfolio. Did you want me to incorporate maybe adding some salary sacrifice in there and showing you what that could do long term? Yep. There I could always do it two ways, but I could look at what's beneficial for you to kind of boost your super as much as possible, or I could start with a certain level that you're comfortable with. Is there an amount that you'd be comfortable starting to salary sacrifice to give you super boost, or did you want me just to recommend, you know, the best option to kind of build on that? Yep. That's okay. Not a problem. I'll have a look at the options. You were a while ago sort of saving between 50 to $200 per week. Did you want me to kinda keep it within that range so it doesn't look like I'm overextending your expenditure much? Yes. Okay. Beautiful. I'll look at the options there and see what we can do. We can always start smaller and build on that as well, but I'll recommend something to sort of show you how to build super as much we can over the next four years there for you. Okay? Fantastic. Excellent. Just with the risk profile question, I've answered most of the questions pretty well for you already. The next the the first one I wanna kinda ask you is about inflation. So it says inflation means that things are getting more expensive over time, which makes our money worth less. How much risk are you comfortable taking in order to make sure your returns are keeping up with inflation? So when you think about your super, are you comfortable taking a higher level of risk to try and get the best returns you possibly can, or are you comfortable taking a moderate or medium amount of risk to trying to get the best returns you can, or are you realistically not comfortable taking risk to knowing returns are lower? Where would you see yourself bidding? In the middle? Yep. Beautiful. Yep. That's okay. The next one here is how would sorry. You're right. Yeah. Absolutely. The next one here is saying if you look at your super in the next six months and it had fallen by 20% due to what was happening in the market globally, how would you be feeling? Are you maybe excited about the investment opportunity, wanna put some more money into it? Are you a bit nervous maybe calling us and talking it through and seeing what we can do to help or what's happening? Or are you likely to want to submit the loss and sell the investments to cash? How do you think you might be feeling? What to do? Yep. Yep. Absolutely. The next one here is a bit of a bizarre one, but it is worth asking. What kind of average rate of return are you hoping to achieve from your portfolio? Are you, one, hoping to get the best return you possibly can each year, the 8% and above? Are you too comfortable with the moderate six to 8%? Are you comfortable with the conservative four to 6%, or are you comfortable just getting two to 4% per year compounding that forward? The yep. Yep. Perfect. And the second last one oh, so the last one here is have you ever considered borrowing money from a bank or financial institution to invest in shares or manage funds, or have you only ever been comfortable borrowing the same property? No. Just for your own home, really? Yes. That's okay. Perfect. Now with where you scored at the moment, you have scored as more of a moderate investor. Now the portfolio you're in in your super is more balanced growth. So, typically, you see about six sorry. 70% of your super invested in growth assets. These are things like Australian shares, international shares, gold and silver, so precious metals, and also fixed property. And then the other generally 30% invested in low risk defensive assets, so cash, bonds, fixed interest. That balance growth environment suits someone who's got about five years before they're accessing their funds. You can be in that a little bit longer if you you know, if you're four years out, that's absolutely fine if you're comfortable with that. The likelihood of an you're right. The likelihood of a negative return is about one in every six years, and the expected rate of return is around about six to 8% on a yearly basis compounding forward. With where you are, depending on how you feel, if you're you have about four years, so you're wanting to access your super realistically. So I would normally be wanting to kind of move you down to more of a conservative sort of portfolio. But given that your balance is a little bit lower, are you sort of wanting to hold on to where you are and try and get a bit more growth to build on that, or are you feeling a bit nervous about the market and maybe wanting to reduce your risk level and drop down a bit? How are you sort of feeling? Yeah. So the next portfolio down is the balanced environment, and we drop at the risk level by about 10%. So we end up about 60% invested in those growth assets, so the shares and the property and the metal, and then about 40% in low risk defensive investments, so cash, bond, fixed interest. This one afraid to return, that feels a bit more comfortable? Yep. Beautiful. Excellent. So part of your soup part of your super statement of advice, I'll go back and I'll reduce your risk a little bit to the balanced environment. I'll keep your Australian super open for a bit longer to keep your insurances in place. I'll factor in some salary sacrifice for you as well, and I'll look at how we're going towards age 67 and project it in a little bit of Centrelink for you as well. Does that sound okay? Are you comfortable with me doing all that? Yep. Beautiful. This is all part of your ongoing service agreement, so there's no additional fees with advice. This is just the advice I'm providing to help you along and make sure your super is working at its best so you get the best out of your retirement. Okay? That's okay. Do you have any questions for me? Is there anything that I might not have touched on that might be important for you today or anything I've missed or you need more clarification on? Beautiful. All good. Well, I will get stuck into that document there. It does take a couple of weeks to put the advice together. So once I've got it together, my team will come back and let you know. In the meantime, if you can sign that annual review documents and grab them back to us, that would be fantastic. We sort of need to make sure that we have the annual agreement on file so that we can keep providing advice and looking after you. But if you find you have any questions, Michael, you're welcome to let me know. Okay? Beautiful. Thank you so much for that. I'll talk to you in a couple of weeks, and we'll go through the advice document nice and clearly. And in the meantime, if there's anything you need, please let me know. I'm more than happy to make extra time. And thank you so much for taking my call this afternoon. I know you've had a long day. Probably itching to get home. Thanks, Michael. Enjoy your afternoon. Talk to you soon. Thanks. See you 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Michael. It's Dana from OC Financial. How are you this afternoon? That's good. I had you booked in to go through your annual review today.\n\nIs now still a good time there for you? Yes? Oh, good. How's your day been so far? Yeah?\n\nAll good. Well, I'll try not to take up too much of your time just to kinda go through things with you and see how everything's been going and look and see if there's some new advice that we need to provide there for you. I normally send you an a like, an annual review pack to use for your emails. Are you able to access those at all? No.\n\nYou're alright. I I normally send you, like, an annual review pass to your email to go through with me. Are you able to access your emails at the moment? Yeah. That's okay.\n\nNo problem at all. I'll just that's okay. You're absolutely fine. Alright. No.\n\nThat's you're absolutely fine, honestly. You're a good soul for doing for doing their job. You're a good soul, aren't you? Hopefully, you get paid overtime for that. Double time.\n\nNo. You're right. That's okay. You're fine. No need to worry.\n\nI've got plenty of time. I'm here for you. It's not an issue. But yes. Yeah.\n\nIt is. It's 06:30 my time. No. You are honestly fine. You're fine.\n\nI generally work till seven Queensland time on a Thursday, but because you're in WA, when my team members asked me, I said, absolutely. It is fine. I will stay here and be here for you. Don't you worry. That's what you pay us for.\n\nYeah. You're right. If you find you can't access it, honestly, it's not a problem. I can go through things with you. It's just sometimes easier when you're looking at it.\n\nThat's all. Michael, just to kinda let you know before we go through and discuss anything personal, I do have to report our call moving forward with any and quality purposes. Are you comfortable with that? Yes. Beautiful.\n\nAnd just a little quick security check there for you as well. I just need you to confirm your full name, your date of birth, and address I should have on file. Yep. Yep. Yeah.\n\nThat's actually fine. No. No. You did good. All good.\n\nDana. Yep. That's the one. Beautiful. So with that one there, if you open it up and press on the sign button, it'll just take you through so you can view the document.\n\nBut I will never ask you to sign anything you haven't read. So it won't ask you to sign anything until you've gone through those. Okay? Excellent. And the first document, when you are able to see it, it should say summary of superannuation and insurance there.\n\nCan you see that? Is that working for you? The first document that yeah, you're right. The first document that should show up should say summary of the renuation and insurances. Yep.\n\nYep. There should be a tab on the top of there. It might say sign document or sign here. You got it? That's the one.\n\nYes. Yeah. So we're sitting at 97,000 in Hub 24 there. $97,095.13. I want to get that 13¢ there.\n\nAnd then in in Australian, so with the last research, we were able to get there. I'm currently showing 26,607 and 15¢ there. So I do wanna kinda move a little bit of money out of the screen super into Hub twenty four to make it kinda keep working for you. But I also kind of wanna update and change your portfolio a little bit as well because I had a bit of a look at things, and there's definitely some changes we can make to kinda make things work a bit harder for you. Okay?\n\nThe the insurance is on the bottom there. Now we've kinda kept those in place because that was more your comfort level. You still feel that they're appropriate. Are you still happy keeping those insurances in place that's still important for you to retain? Yep.\n\nYeah. Absolutely. Now these insurances within Australia, they do get to the point where they do actually expire. Normally, income protection and PPD will expire first, and then life expires later down the track. That's why they kinda keep getting lower and lower values.\n\nBut for the time being, keeping them there for another year, if that's important to you, then we'll absolutely do that. Just making sure you're comfortable with that. Yep. Beautiful. And just to kind of explain, with the insurances, do you understand how they work?\n\nDo you have any questions around the different types of cover, how they pay, what happens, or anything like that? Yeah. Did you want me to yeah. Yeah. Did you want me to give you a brief run through of the three different types of cover and how they work?\n\nNo worries. So your life cover is very straightforward. It pays out a a benefit in the event that you pass away. If you were to pass away based on the current level of cover you have, the 9,000 is paid out to your beneficiaries, but then your super balance is also paid out. So you've also got the $26,006.00 7 and 15¢, plus to have 24 balance and the 9,000 of life cover.\n\nSo overall, the total death benefit you you have is a 132,702 and 28¢ there. Okay? In the event of passing, and I'm sorry. These are terribly conversations to have, but in the event of passing, where is it that you want that money to be paid to? Who is your beneficiary that you would prefer to have that paid to?\n\nLisa Jack. Beautiful. And she's yourself? Yep. Beautiful.\n\nSo you have a binding in nomination. That essentially means that within Australian Super, that nomination has to be redone every three years. It is due to be done again next year, so I'll make sure that we have that completed for you prior to it being updated. But on your hub twenty on your hub twenty four super fund, you actually don't have a beneficiary nomination in place. So I do wanna make sure that that is updated, and we have that nomination made for you.\n\nSo just confirming, you want a 100% of all your super to be paid to Alicia? Yep. Beautiful. Are you comfortable with us prefilling that nomination for you to make it easier? Yep.\n\nBeautiful. And just to confirm, so with twenty four, they actually have a couple of different nomination options for you. You can have a binding, like, the same as what you have on Australian Super, which means you just refill the document out every three years, or I can actually make it a binding non lasting nomination, which means you do it now. We leave it on file. I check it with you every year, and it only has to be updated if you wanna change the person that you're nominated.\n\nWhich way would you prefer to go? Yeah. Yeah. We'll fill it out once and not have to again unless you just change your mind. Yep.\n\nPerfect. The least amount of paperwork we have that you have to do probably is the best way to go. Absolutely. Fantastic. Not a problem.\n\nWell, I will get that sorted for you, get the team to send it out for you to be signed. Did you want it emailed or posted? What's the easiest or best option for you to have that signed and returned? I can do both if you would like. Yep.\n\nYep. Beautiful. And then I'll get my team to follow it up for you as well to make sure that we can have that applied because the last thing I would want for you is something to happen, and that's super not to get to where you want it to be or for it to go through a probate process and make it difficult on Alicia. So I'll get that organized ASAP for you. Beautiful.\n\nExcellent. Now with TBD, that's total permanent disability, it pays out a benefit in the event that you're unable to ever go back to work again. So you've only got about 5,000 of cover there with TBD. But, again, given your age, you can actually you're not able to go back to work again, also access super. And because you're over 60, the TBD benefit and access to your super is all tax free.\n\nDo you realistically have a disability benefit of about a 128,702? Okay? Excellent. And then your income protection pays out a, technically, a monthly benefit in the event that you're unable to go back to work ever again. Income protection is generally important when we can't access super, but if anything happened, you were not able to go back to work because you're over 60, you can actually also access your super there.\n\nSo income protection is still important for you to keep a bit longer. Is that right? Yep. Yeah. That's absolutely fine.\n\nYou do as if you see on the bottom there, you do have a waiting and benefit period on that income protection policy. So it means you just have to be off work for sixty days prior to you making a claim, and then you can be on a claim for up to two years in the event that something was to happen. Okay. All good. All good.\n\nYeah. You're not paying a great deal for it out of the Australian Superfund. You paid about $893 to keep those insurances in place for this year. That, obviously, the insurances do get less and less. So we'll keep kinda going through and checking with you each year.\n\nAnd whenever you're comfortable canceling them or when you feel you no longer need them again or if they just expire, then we can always look to consolidate your funds and put everything into hub twenty four. But for the moment, keeping Australians is important whilst you're wanting those insurance in place. Okay? Excellent. All good.\n\nNow the next document in there is your performance report, and it just has hub 24. But it essentially shows for the last twelve months there, your super has returned a performance of 6.12% net or after fee. It isn't a bad return given your portfolio, but it is a bit lower because of the market ups and downs that we have sort of seen this year. But it's good that you have sort of come up with a 6% return. I did also have a little bit of a look at your super and the individual investment.\n\nI can sort of see some changes that realistically we should make. You do have one investment that is kind of underperforming a little bit at the moment, so I would like to maybe go back and maybe make some changes, a little bit updating your portfolio for you. Are you comfortable with me reviewing things and updating that for you? Yes. Beautiful.\n\nIf you are looking at that second document, the the internal rate of return, it sounds like you're driving. Are you driving at the moment? No. That's you're okay. I just I could hear something ticking in the background.\n\nI thought I don't wanna be, you know, asking if you're looking at documents if or if you're driving. I don't wanna be unsafe at all. But if you're looking at that second document there, the performance of internal rate of return, on the first page, it outlines all the individual investments there that you have in your portfolio. The first one is the Benelong Australian Equities. That is giving you access to the Australian market, and that's the investment that realistically is not performing very well.\n\nThat investment manager, he it's more of an actively managed fund. So that investment manager is supposed to be trying to time the market and outperform against the market, but they haven't been able to do so. And I sort of think given your time of life, it's not really worth you being in an investor that's underperforming. So I'd like to remove that out of your portfolio and replace that if you're comfortable with me doing it. So we have some passively managed investment options, which one of the biggest differences is that Benelmong Australian equity fund, that investment holds about 15 to 25 different investments within that portfolio.\n\nI can replace it with, like, an Australian 200 fund, which is giving you access or exposure to the top 200 companies on the ASX. And that type of investment is giving you more diversification. It's also a cheaper investment. It's not actively managed. It's more of a passively managed fund.\n\nSo the investment manager is just trying to stay invested in the market and changes the investments with the in with the index, so the a 200 index, essentially. That could also be a lower cost investment, so it might be cheaper to hold, which means that your fees could decrease, which would be good. Yep. Yep. Beautiful.\n\nExcellent. The other investments in there have performed nicely. The other ones, if you scroll down, you've got bank hybrids. These are more of a defensive investment. These are actually being phased out by the government.\n\nSo I'm actually thinking I'd probably like to move that from your portfolio and replace it because these bank hybrids are more of a complex kind of banking investment. The government's gonna phase them out over the next couple of years, so we either move them now or we wait till down the track when we have to remove them from your portfolio. So if I'm gonna make changes, I'd probably do that now. Yeah. Absolutely.\n\nYou've got some cyber sorry. What was that? Yeah. Absolutely. You've also got cybersecurity in there, which has performed very nicely.\n\nThe one underneath that with the ticket code Q o zed, that's the beta shares Raffi 200. That is giving you exposure to some 200 of the, you know, largest companies on the ASX market. If you've also got physical gold, which has done really, really well as one of your best performers in your portfolio over the year. And then you've also got underneath that the s and p 500, and that's giving you exposure to some top 500 companies on The US market, which is, again, done really well over 10% for this year, so it's good to see. You've also got the iCare Fios Plus.\n\nThis is a lower risk investment, so it's giving you access to high income producing shares. It's done about 3%. Not great, but it's expected for this kind of investment. And then the last one there is the JPMorgan asset management fund. That has done very, very well.\n\nThat, again, is a bit of an actively managed fund, so it's utilizing JPMorgan's research team to kind of climb the market, pick investments that are doing really well. It has done very, very well for you. But the other thing I kinda wanted to check-in with you is when we look at risk in a portfolio, you you have, like, the risk where you have growth and defensive assets and that kind of risk factor, but you also have risk in active and passive managed funds. So where there's managed funds that the investment managers try to tie in the market and pick investments, you actually take a bit more risk to have those investments in there because if they time it wrong, if they don't pick the right investments, it can affect your portfolio. Having passively managed funds can also reduce risk of your portfolio.\n\nBecause of your age and stage and where you're at in life, would you like me to maybe alter the portfolio to reduce that risk and have it more passively managed, or do you wanna see some of that active management in there and comfortable taking a bit more risk in your portfolio? Does that make sense? And do you have questions? Reduce the risk. Yep.\n\nBeautiful. I can do that for you. We'll look at some passive funds. Beautiful. So that's sort of how your portfolio is performed.\n\nI've got some good ideas to remove those for you. But, realistically, in the last twelve months, the 6% return isn't bad for your portfolio, which is good. We just wanna keep building on that for you. Okay? Yep.\n\nBeautiful. Beautiful. The next couple of documents in there is the Vanguard index chart. Is this gives you an idea and a guide of how markets change and react over time? I'm kind of not gonna bore you and go through a lot of that.\n\nIt's just a bit of a guide. Did you wanna kind of go through the index chart and talk about how investments move and the different types of investment risks and things like that, or are you happy with what we've kinda gone through? That's that's okay. Not everyone's that interested in the investment side of things, so we keep adding there as a bit of a guide. It's a bit of a talking point.\n\nIt's all good. The next document that's okay. You're fine. The next document in there is the financial service It's got that outlines everything about who we are, what we do, and how we do it. We've updated it recently as well, so it's got a lovely picture of me in there.\n\nI always tell people it's a pretty boring document. If you have trouble sleeping one night, you could whip that one out and have a bit of a read. But, otherwise, it this is kind of a a legal document that allows everything about who we are as advisers. It has all of our licensing information there for you and all of our services as well. Okay?\n\nThe last document on there is the ongoing service agreement for the next twelve months there. So you are on an ongoing service fee for our services for having us look after your super and continue to update the advice and work towards your goals there. It is 1.65% per annum. As of next year, our ongoing service fee structure changes a little bit. Essentially, we'll end up with a tiered structure.\n\nSo once your balance gets over 200,000, then the percentage drops a little bit until 500,000, and it continues to drop as your balance increases. We go into the next tier structure. So your balance will increase, and the next tier is a lower percentage fee. At the moment, it's not really gonna affect your super balance, but I wanna get you up there so you can kind of go through the tiered structure and reduce that percentage each time. But for now, it's just that 1.65%, and that is per annum.\n\nAnd it said deducted from your super account on a monthly basis in smaller monthly increments. Do you have any questions about how the fee structure works? Or not beautiful. Beautiful. Well, once you've had a look through those documents, if you are comfortable to sign those, I will get you to sign and return them back.\n\nThe last document as you are signing to them is the tax file opt in form. So it's essentially just letting you know that we hold your tax file number. We do so we have to because we set your super account up. But because we are very security conscious, we just wanna let you know that we hold this personal information, how and why, and this document outlines that for you. Okay?\n\nExcellent. All good. Thank you so much for that. I'm just gonna run through and update a couple of details there with your circumstances currently just to make sure when I'm updating the advice that I have the correct information. Just checking income wise, we had you on about 70,000 per annum.\n\nAre you still on that have you had a pay rise? No? Oh, you'll worth more money than that, especially today. Oh, I have to have a chat to them. I'll tell you what.\n\nAll good. So about 70,000 is correct. Is that right? Yes. Yes.\n\nThat's okay. We also were able to save on a weekly basis around about 50 to $200 per week depending on bills and expenses. Are you still finding that or you're sort of finding it harder to save at the moment? Not real sure. Yep.\n\nThat's yeah. That's okay. That's not a problem at all. I've also got your main primary residence down. We had an asset value of about 3 oh, sorry.\n\nYeah. About 300,000. What kind of value would you put on your house now, do you think? Yeah. Mhmm.\n\nYeah. Wow. That's crazy, isn't it? It's great, though. Yeah.\n\nYes. Yes. It's what someone would pay for it. Yeah. Yeah.\n\nAbsolutely. No. All good. With the loan on the property, we had you owing about a 120,000. Have you been able to reduce that recently in the last year?\n\nNo. That's okay. Would it be just under that 120 or around about the same? Yep. That's it.\n\nYeah. That's okay. I'll just I I will just note a 120,000 and just say it should be a little bit lower than that. That's okay. You're absolutely fine.\n\nYour car we had, it doesn't tell me what car it is, but an asset value of 8,000. Is that one of your cars you'd value close to that? Yep. Beautiful. Yep.\n\nYep. Yep. Okay. Yep. Beautiful.\n\nAnd both those Dodge Dodge vehicles are debt free. You don't owe any money on them at all? Yep. Beautiful. I've also got a yeah.\n\nLovely. All the taxes. I've also got a Hyundai Accent. Do you still have that vehicle? Sold that one.\n\nBeautiful. And I've also got, I believe, another car down valued at 15,000, but I would say it's probably the other Dodge, the caliber that we just talked about then. Yep. Yep. Beautiful.\n\nFantastic. Thank you for updating that. Do you have any other debts or credit cards or anything else or any other assets you'd note down? No? No.\n\nThat's okay. That's absolutely fine. Thank you for updating those details there. I had down here so we were looking at originally your goal of retirement or accessing your super. Just double checking.\n\nAround about age 67, is that still technically your goal for being able to access super? Yep. Yep. That's okay. Beautiful.\n\nSo, realistically, just double checking. So you're 63 this year. Is that right? '63 now. Yeah.\n\nThat's okay. I was just doing some quick math with the date of birth. So '67 for a time. Beautiful. '63 now.\n\nEssentially giving you about four years until you're wanting to access super. Am I on the right track with that? Yep. Beautiful. And does does your partner work as well?\n\nDoes Alicia work? Okay. Okay. No worries. So she wouldn't have much super.\n\nSo in retirement, it's sort of your super and age pension accessibility. Is that right? Okay. That's alright. Not a problem.\n\nJust so I've got a bit of an idea. Because when I go back and sort of look at changing your investment for you, I can project forward over the next sort of four years to look at where we might be able to end up. And what that looks like, you know, with age pension eligibility. So it's something that I definitely look at when we get closer. And when you actually retire and wanna access super at 57, I can help you with the age pension side of things as well and look at how to access age pension, but then how to supplement with what's super you have to try and make it last as long as possible for you.\n\nOkay. Yeah. Yeah. All good. The only other thing I don't have on here, do you happen to know Alicia's phone number off by heart?\n\nNo. Yeah. That's okay. It's just the next of kin. I've got Alicia down as next of kin for you.\n\nI just need to update the phone number. We won't call her for any reason. It's more just if we can't get a hold of you, it's just giving her a call to see, you know, how we how we catch you. That's all. Yes.\n\nYes. Yep. Yep. Yep. Beautiful.\n\nThank you so much for updating that. Appreciate it. The the other thing down the track, at the moment, given your super balance is a little bit lower, there are other strategies that we can kinda put in place down the track, like trends through a time a time and strategies and things like that. I don't know if that would really work at the moment, but your balance is a little bit lower. But down the track, if that works out for you, are you open to other strategies and maybe adding more money into super, like salary sacrifice and things like that to kinda boost your super.\n\nAre you open to or you're finding it's not really possible? Later. No. That's okay. That's not a problem at all.\n\nI can sort of hold off those additional strategies to later right now. Just look at, you know, maneuvering your investors a little bit and trying to give you a super a bit more of a boost that way. Okay. Excellent. And the last thing I just wanted to do with you there is just to go through an updated risk profile just to make sure you are invested in the correct portfolio there and just to see whether I need to reduce or look at your risk level as well.\n\nThe just a sorry. You're right. Mhmm. Yeah. Would you like me to incorporate that into the advice to show you what that might look like?\n\nI could always recommend to change the investment portfolio. Did you want me to incorporate maybe adding some salary sacrifice in there and showing you what that could do long term? Yep. There I could always do it two ways, but I could look at what's beneficial for you to kind of boost your super as much as possible, or I could start with a certain level that you're comfortable with. Is there an amount that you'd be comfortable starting to salary sacrifice to give you super boost, or did you want me just to recommend, you know, the best option to kind of build on that?\n\nYep. That's okay. Not a problem. I'll have a look at the options. You were a while ago sort of saving between 50 to $200 per week.\n\nDid you want me to kinda keep it within that range so it doesn't look like I'm overextending your expenditure much? Yes. Okay. Beautiful. I'll look at the options there and see what we can do.\n\nWe can always start smaller and build on that as well, but I'll recommend something to sort of show you how to build super as much we can over the next four years there for you. Okay? Fantastic. Excellent. Just with the risk profile question, I've answered most of the questions pretty well for you already.\n\nThe next the the first one I wanna kinda ask you is about inflation. So it says inflation means that things are getting more expensive over time, which makes our money worth less. How much risk are you comfortable taking in order to make sure your returns are keeping up with inflation? So when you think about your super, are you comfortable taking a higher level of risk to try and get the best returns you possibly can, or are you comfortable taking a moderate or medium amount of risk to trying to get the best returns you can, or are you realistically not comfortable taking risk to knowing returns are lower? Where would you see yourself bidding?\n\nIn the middle? Yep. Beautiful. Yep. That's okay.\n\nThe next one here is how would sorry. You're right. Yeah. Absolutely. The next one here is saying if you look at your super in the next six months and it had fallen by 20% due to what was happening in the market globally, how would you be feeling?\n\nAre you maybe excited about the investment opportunity, wanna put some more money into it? Are you a bit nervous maybe calling us and talking it through and seeing what we can do to help or what's happening? Or are you likely to want to submit the loss and sell the investments to cash? How do you think you might be feeling? What to do?\n\nYep. Yep. Absolutely. The next one here is a bit of a bizarre one, but it is worth asking. What kind of average rate of return are you hoping to achieve from your portfolio?\n\nAre you, one, hoping to get the best return you possibly can each year, the 8% and above? Are you too comfortable with the moderate six to 8%? Are you comfortable with the conservative four to 6%, or are you comfortable just getting two to 4% per year compounding that forward? The yep. Yep.\n\nPerfect. And the second last one oh, so the last one here is have you ever considered borrowing money from a bank or financial institution to invest in shares or manage funds, or have you only ever been comfortable borrowing the same property? No. Just for your own home, really? Yes.\n\nThat's okay. Perfect. Now with where you scored at the moment, you have scored as more of a moderate investor. Now the portfolio you're in in your super is more balanced growth. So, typically, you see about six sorry.\n\n70% of your super invested in growth assets. These are things like Australian shares, international shares, gold and silver, so precious metals, and also fixed property. And then the other generally 30% invested in low risk defensive assets, so cash, bonds, fixed interest. That balance growth environment suits someone who's got about five years before they're accessing their funds. You can be in that a little bit longer if you you know, if you're four years out, that's absolutely fine if you're comfortable with that.\n\nThe likelihood of an you're right. The likelihood of a negative return is about one in every six years, and the expected rate of return is around about six to 8% on a yearly basis compounding forward. With where you are, depending on how you feel, if you're you have about four years, so you're wanting to access your super realistically. So I would normally be wanting to kind of move you down to more of a conservative sort of portfolio. But given that your balance is a little bit lower, are you sort of wanting to hold on to where you are and try and get a bit more growth to build on that, or are you feeling a bit nervous about the market and maybe wanting to reduce your risk level and drop down a bit?\n\nHow are you sort of feeling? Yeah. So the next portfolio down is the balanced environment, and we drop at the risk level by about 10%. So we end up about 60% invested in those growth assets, so the shares and the property and the metal, and then about 40% in low risk defensive investments, so cash, bond, fixed interest. This one afraid to return, that feels a bit more comfortable?\n\nYep. Beautiful. Excellent. So part of your soup part of your super statement of advice, I'll go back and I'll reduce your risk a little bit to the balanced environment. I'll keep your Australian super open for a bit longer to keep your insurances in place.\n\nI'll factor in some salary sacrifice for you as well, and I'll look at how we're going towards age 67 and project it in a little bit of Centrelink for you as well. Does that sound okay? Are you comfortable with me doing all that? Yep. Beautiful.\n\nThis is all part of your ongoing service agreement, so there's no additional fees with advice. This is just the advice I'm providing to help you along and make sure your super is working at its best so you get the best out of your retirement. Okay? That's okay. Do you have any questions for me?\n\nIs there anything that I might not have touched on that might be important for you today or anything I've missed or you need more clarification on? Beautiful. All good. Well, I will get stuck into that document there. It does take a couple of weeks to put the advice together.\n\nSo once I've got it together, my team will come back and let you know. In the meantime, if you can sign that annual review documents and grab them back to us, that would be fantastic. We sort of need to make sure that we have the annual agreement on file so that we can keep providing advice and looking after you. But if you find you have any questions, Michael, you're welcome to let me know. Okay?\n\nBeautiful. Thank you so much for that. I'll talk to you in a couple of weeks, and we'll go through the advice document nice and clearly. And in the meantime, if there's anything you need, please let me know. I'm more than happy to make extra time.\n\nAnd thank you so much for taking my call this afternoon. I know you've had a long day. Probably itching to get home. Thanks, Michael. Enjoy your afternoon.\n\nTalk to you soon. Thanks. See you later.","paragraphs":[{"sentences":[{"text":"Hi, Michael.","start":3.9199998,"end":4.64,"sentiment":"neutral","sentiment_score":0.16158418357372284},{"text":"It's Dana from OC Financial.","start":4.64,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.19599106907844543},{"text":"How are you this afternoon?","start":6.56,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.2704906165599823},{"text":"That's good.","start":10.08,"end":10.8,"sentiment":"positive","sentiment_score":0.7400547862052917},{"text":"I had you booked in to go through your annual review today.","start":10.8,"end":13.28,"sentiment":"positive","sentiment_score":0.45099706451098126}],"sentiment":"positive","sentiment_score":0.36721735161084396,"num_words":26,"start":3.9199998,"end":13.28},{"sentences":[{"text":"Is now still a good time there for you?","start":13.28,"end":15.375,"sentiment":"positive","sentiment_score":0.3880978259775374},{"text":"Yes?","start":18.175,"end":18.675,"sentiment":"neutral","sentiment_score":0.19280678033828735},{"text":"Oh, good.","start":18.895,"end":19.375,"sentiment":"neutral","sentiment_score":0.3312005400657654},{"text":"How's your day been so far?","start":19.375,"end":21.154999,"sentiment":"neutral","sentiment_score":0.26944728444019955},{"text":"Yeah?","start":23.455,"end":23.955,"sentiment":"neutral","sentiment_score":0.2220512479543686}],"sentiment":"neutral","sentiment_score":0.32562227625595896,"num_words":19,"start":13.28,"end":23.955},{"sentences":[{"text":"All good.","start":25.055,"end":25.715,"sentiment":"positive","sentiment_score":0.44440092146396637},{"text":"Well, I'll try not to take up too much of your time just to kinda go through things with you and see how everything's been going and look and see if there's some new advice that we need to provide there for you.","start":25.775,"end":35.13,"sentiment":"neutral","sentiment_score":0.13504543120777884},{"text":"I normally send you an a like, an annual review pack to use for your emails.","start":35.99,"end":41.05,"sentiment":"neutral","sentiment_score":0.0761837032623589},{"text":"Are you able to access those at all?","start":41.27,"end":43.85,"sentiment":"neutral","sentiment_score":0.027016669046133757},{"text":"No.","start":47.075,"end":47.315,"sentiment":"neutral","sentiment_score":-0.03902064263820648}],"sentiment":"neutral","sentiment_score":0.11559724781130042,"num_words":70,"start":25.055,"end":47.315},{"sentences":[{"text":"You're alright.","start":47.315,"end":47.975,"sentiment":"neutral","sentiment_score":0.02189204841852188},{"text":"I I normally send you, like, an annual review pass to your email to go through with me.","start":48.035,"end":51.555,"sentiment":"neutral","sentiment_score":0.08128968274427785},{"text":"Are you able to access your emails at the moment?","start":51.555,"end":53.975,"sentiment":"neutral","sentiment_score":0.02074309587478638},{"text":"Yeah.","start":59.235,"end":59.475,"sentiment":"neutral","sentiment_score":0.047732144594192505},{"text":"That's okay.","start":59.475,"end":60.295,"sentiment":"neutral","sentiment_score":0.09392043948173523}],"sentiment":"neutral","sentiment_score":0.05909098086483551,"num_words":33,"start":47.315,"end":60.295},{"sentences":[{"text":"No problem at all.","start":60.530003,"end":65.19,"sentiment":"neutral","sentiment_score":0.12105339020490646},{"text":"I'll just that's okay.","start":65.25,"end":67.33,"sentiment":"neutral","sentiment_score":0.08964288514107466},{"text":"You're absolutely fine.","start":67.33,"end":68.87,"sentiment":"neutral","sentiment_score":0.2529231657584508},{"text":"Alright.","start":72.21,"end":72.71,"sentiment":"neutral","sentiment_score":0.03506297990679741},{"text":"No.","start":74.005005,"end":74.165,"sentiment":"neutral","sentiment_score":0.013161316514015198}],"sentiment":"neutral","sentiment_score":0.1269060688523146,"num_words":13,"start":60.530003,"end":74.165},{"sentences":[{"text":"That's you're absolutely fine, honestly.","start":74.165,"end":76.645004,"sentiment":"neutral","sentiment_score":0.3165418773889542},{"text":"You're a good soul for doing for doing their job.","start":76.645004,"end":79.465004,"sentiment":"positive","sentiment_score":0.36493848264217377},{"text":"You're a good soul, aren't you?","start":83.925,"end":85.785,"sentiment":"neutral","sentiment_score":0.1219430925945441},{"text":"Hopefully, you get paid overtime for that.","start":85.91,"end":88.090004,"sentiment":"neutral","sentiment_score":0.04361903481185436},{"text":"Double time.","start":88.23,"end":89.130005,"sentiment":"neutral","sentiment_score":0.06337666139006615}],"sentiment":"neutral","sentiment_score":0.21319464451322953,"num_words":30,"start":74.165,"end":89.130005},{"sentences":[{"text":"No.","start":97.43,"end":97.67,"sentiment":"neutral","sentiment_score":0.0027505438774824142},{"text":"You're right.","start":97.67,"end":98.57,"sentiment":"neutral","sentiment_score":0.04963190481066704},{"text":"That's okay.","start":102.605,"end":103.325,"sentiment":"neutral","sentiment_score":0.20403344929218292},{"text":"You're fine.","start":103.325,"end":104.145004,"sentiment":"neutral","sentiment_score":0.22715237736701965},{"text":"No need to worry.","start":104.525,"end":105.405,"sentiment":"neutral","sentiment_score":0.12252034060657024}],"sentiment":"neutral","sentiment_score":0.13222430629486387,"num_words":11,"start":97.43,"end":105.405},{"sentences":[{"text":"I've got plenty of time.","start":105.405,"end":106.605,"sentiment":"neutral","sentiment_score":0.20476961731910706},{"text":"I'm here for you.","start":106.605,"end":107.325,"sentiment":"neutral","sentiment_score":0.27579333260655403},{"text":"It's not an issue.","start":107.325,"end":108.385,"sentiment":"neutral","sentiment_score":0.11981106549501419},{"text":"But yes.","start":111.165,"end":117.950005,"sentiment":"neutral","sentiment_score":-0.03815720649436116},{"text":"Yeah.","start":118.170006,"end":118.490005,"sentiment":"neutral","sentiment_score":0.008669860661029816}],"sentiment":"neutral","sentiment_score":0.15866382041713223,"num_words":16,"start":105.405,"end":118.490005},{"sentences":[{"text":"It is.","start":118.490005,"end":118.89,"sentiment":"neutral","sentiment_score":0.0016663218848407269},{"text":"It's 06:30 my time.","start":118.89,"end":120.350006,"sentiment":"neutral","sentiment_score":-0.01177041174378246},{"text":"No.","start":122.73,"end":122.97,"sentiment":"neutral","sentiment_score":-0.037837885320186615},{"text":"You are honestly fine.","start":122.97,"end":124.335,"sentiment":"neutral","sentiment_score":0.061993397772312164},{"text":"You're fine.","start":124.575,"end":125.315,"sentiment":"neutral","sentiment_score":0.13320478051900864}],"sentiment":"neutral","sentiment_score":0.033292020277048535,"num_words":13,"start":118.490005,"end":125.315},{"sentences":[{"text":"I generally work till seven Queensland time on a Thursday, but because you're in WA, when my team members asked me, I said, absolutely.","start":125.455,"end":134.115,"sentiment":"neutral","sentiment_score":0.09401476662606001},{"text":"It is fine.","start":134.415,"end":135.215,"sentiment":"positive","sentiment_score":0.46636884411176044},{"text":"I will stay here and be here for you.","start":135.215,"end":137.455,"sentiment":"positive","sentiment_score":0.44363753994305927},{"text":"Don't you worry.","start":137.455,"end":138.515,"sentiment":"neutral","sentiment_score":0.15427321195602417},{"text":"That's what you pay us for.","start":139.01999,"end":140.64,"sentiment":"neutral","sentiment_score":0.2100087727109591}],"sentiment":"neutral","sentiment_score":0.20824602362182404,"num_words":45,"start":125.455,"end":140.64},{"sentences":[{"text":"Yeah.","start":154.225,"end":154.465,"sentiment":"neutral","sentiment_score":0.18018090724945068},{"text":"You're right.","start":154.465,"end":155.105,"sentiment":"neutral","sentiment_score":0.2354324758052826},{"text":"If you find you can't access it, honestly, it's not a problem.","start":155.105,"end":158.065,"sentiment":"neutral","sentiment_score":0.18938105242947736},{"text":"I can go through things with you.","start":158.065,"end":159.505,"sentiment":"positive","sentiment_score":0.34440176827566965},{"text":"It's just sometimes easier when you're looking at it.","start":159.505,"end":161.745,"sentiment":"neutral","sentiment_score":0.3033768915467792}],"sentiment":"neutral","sentiment_score":0.26015557709240145,"num_words":31,"start":154.225,"end":161.745},{"sentences":[{"text":"That's all.","start":161.745,"end":162.565,"sentiment":"neutral","sentiment_score":0.1894049197435379},{"text":"Michael, just to kinda let you know before we go through and discuss anything personal, I do have to report our call moving forward with any and quality purposes.","start":163.02501,"end":170.74,"sentiment":"neutral","sentiment_score":0.11597446442164223},{"text":"Are you comfortable with that?","start":170.8,"end":172.26001,"sentiment":"neutral","sentiment_score":0.094794362783432},{"text":"Yes.","start":174.0,"end":174.32,"sentiment":"positive","sentiment_score":0.3341180086135864},{"text":"Beautiful.","start":174.32,"end":174.8,"sentiment":"positive","sentiment_score":0.5750247240066528}],"sentiment":"neutral","sentiment_score":0.1348732593224237,"num_words":38,"start":161.745,"end":174.8},{"sentences":[{"text":"And just a little quick security check there for you as well.","start":174.8,"end":177.12,"sentiment":"neutral","sentiment_score":0.29442117363214493},{"text":"I just need you to confirm your full name, your date of birth, and address I should have on file.","start":177.12,"end":181.22,"sentiment":"neutral","sentiment_score":0.14319848380982875},{"text":"Yep.","start":187.505,"end":188.005,"sentiment":"neutral","sentiment_score":0.03480098024010658},{"text":"Yep.","start":191.905,"end":192.405,"sentiment":"neutral","sentiment_score":0.028431816026568413},{"text":"Yeah.","start":197.53,"end":197.76999,"sentiment":"neutral","sentiment_score":-0.00092760706320405}],"sentiment":"neutral","sentiment_score":0.18455225568530814,"num_words":35,"start":174.8,"end":197.76999},{"sentences":[{"text":"That's actually fine.","start":197.76999,"end":198.98999,"sentiment":"neutral","sentiment_score":0.041461263705665864},{"text":"No.","start":199.04999,"end":199.20999,"sentiment":"neutral","sentiment_score":-0.01968349702656269},{"text":"No.","start":199.20999,"end":199.45,"sentiment":"neutral","sentiment_score":0.0400945246219635},{"text":"You did good.","start":199.45,"end":200.17,"sentiment":"neutral","sentiment_score":0.211173877120018},{"text":"All good.","start":200.17,"end":200.90999,"sentiment":"neutral","sentiment_score":0.3272310644388199}],"sentiment":"neutral","sentiment_score":0.14327785789500921,"num_words":10,"start":197.76999,"end":200.90999},{"sentences":[{"text":"Dana.","start":207.76999,"end":208.26999,"sentiment":"neutral","sentiment_score":0.04165942966938019},{"text":"Yep.","start":208.81,"end":209.31,"sentiment":"neutral","sentiment_score":0.06566290557384491},{"text":"That's the one.","start":209.78499,"end":210.765,"sentiment":"neutral","sentiment_score":0.0753990908463796},{"text":"Beautiful.","start":215.625,"end":216.125,"sentiment":"positive","sentiment_score":0.33868491649627686},{"text":"So with that one there, if you open it up and press on the sign button, it'll just take you through so you can view the document.","start":216.665,"end":223.805,"sentiment":"neutral","sentiment_score":0.13122603876723182}],"sentiment":"neutral","sentiment_score":0.12773659306042123,"num_words":33,"start":207.76999,"end":223.805},{"sentences":[{"text":"But I will never ask you to sign anything you haven't read.","start":224.16,"end":227.2,"sentiment":"neutral","sentiment_score":0.07205230183899403},{"text":"So it won't ask you to sign anything until you've gone through those.","start":227.2,"end":230.56,"sentiment":"neutral","sentiment_score":0.07377130165696144},{"text":"Okay?","start":230.56,"end":231.06,"sentiment":"neutral","sentiment_score":0.0792456865310669},{"text":"Excellent.","start":233.12001,"end":233.62001,"sentiment":"positive","sentiment_score":0.3654903173446655},{"text":"And the first document, when you are able to see it, it should say summary of superannuation and insurance there.","start":238.355,"end":244.77501,"sentiment":"neutral","sentiment_score":0.14858165867626666}],"sentiment":"neutral","sentiment_score":0.1114898664044573,"num_words":47,"start":224.16,"end":244.77501},{"sentences":[{"text":"Can you see that?","start":253.89,"end":254.61,"sentiment":"neutral","sentiment_score":0.10242904722690582},{"text":"Is that working for you?","start":254.61,"end":256.07,"sentiment":"neutral","sentiment_score":0.11866160780191422},{"text":"The first document that yeah, you're right.","start":259.57,"end":262.335,"sentiment":"neutral","sentiment_score":-0.019577249884605408},{"text":"The first document that should show up should say summary of the renuation and insurances.","start":262.335,"end":266.91498,"sentiment":"neutral","sentiment_score":0.06832455781598885},{"text":"Yep.","start":271.85498,"end":272.35498,"sentiment":"neutral","sentiment_score":0.06254122406244278}],"sentiment":"neutral","sentiment_score":0.061043533438351005,"num_words":32,"start":253.89,"end":272.35498},{"sentences":[{"text":"Yep.","start":277.34003,"end":277.84003,"sentiment":"neutral","sentiment_score":0.036324553191661835},{"text":"There should be a tab on the top of there.","start":286.06003,"end":288.335,"sentiment":"neutral","sentiment_score":0.030509945936501026},{"text":"It might say sign document or sign here.","start":288.335,"end":291.395,"sentiment":"neutral","sentiment_score":0.00940012454520911},{"text":"You got it?","start":316.12,"end":316.845,"sentiment":"neutral","sentiment_score":0.003916317131370306},{"text":"That's the one.","start":318.125,"end":318.945,"sentiment":"neutral","sentiment_score":0.006314806329707305}],"sentiment":"neutral","sentiment_score":0.017892735172063114,"num_words":25,"start":277.34003,"end":318.945},{"sentences":[{"text":"Yes.","start":320.045,"end":320.545,"sentiment":"neutral","sentiment_score":0.022242523729801175},{"text":"Yeah.","start":322.765,"end":323.165,"sentiment":"neutral","sentiment_score":0.02434968389570713},{"text":"So we're sitting at 97,000 in Hub 24 there.","start":323.165,"end":326.545,"sentiment":"neutral","sentiment_score":0.027147729156745806},{"text":"$97,095.13.","start":326.605,"end":329.485,"sentiment":"neutral","sentiment_score":0.01623518019914627},{"text":"I want to get that 13¢ there.","start":329.485,"end":331.585,"sentiment":"neutral","sentiment_score":0.03526594893385967}],"sentiment":"neutral","sentiment_score":0.02881959132436249,"num_words":19,"start":320.045,"end":331.585},{"sentences":[{"text":"And then in in Australian, so with the last research, we were able to get there.","start":332.19,"end":337.00998,"sentiment":"neutral","sentiment_score":0.09301907755434513},{"text":"I'm currently showing 26,607 and 15¢ there.","start":337.06998,"end":341.55,"sentiment":"neutral","sentiment_score":0.12018764391541481},{"text":"So I do wanna kinda move a little bit of money out of the screen super into Hub twenty four to make it kinda keep working for you.","start":341.55,"end":348.60498,"sentiment":"neutral","sentiment_score":0.22761433411921775},{"text":"But I also kind of wanna update and change your portfolio a little bit as well because I had a bit of a look at things, and there's definitely some changes we can make to kinda make things work a bit harder for you.","start":349.065,"end":359.78497,"sentiment":"neutral","sentiment_score":0.006763284306295894},{"text":"Okay?","start":359.78497,"end":360.28497,"sentiment":"neutral","sentiment_score":0.016786515712738037}],"sentiment":"neutral","sentiment_score":0.09365266826199858,"num_words":96,"start":332.19,"end":360.28497},{"sentences":[{"text":"The the insurance is on the bottom there.","start":362.34,"end":364.82,"sentiment":"neutral","sentiment_score":0.1640465511009097},{"text":"Now we've kinda kept those in place because that was more your comfort level.","start":364.82,"end":369.14,"sentiment":"neutral","sentiment_score":0.2352097790156092},{"text":"You still feel that they're appropriate.","start":369.14,"end":370.66,"sentiment":"positive","sentiment_score":0.35806576410929364},{"text":"Are you still happy keeping those insurances in place that's still important for you to retain?","start":370.66,"end":375.4,"sentiment":"neutral","sentiment_score":0.21785546373575926},{"text":"Yep.","start":377.94498,"end":378.44498,"sentiment":"neutral","sentiment_score":0.0026333059649914503}],"sentiment":"neutral","sentiment_score":0.22760054723152684,"num_words":45,"start":362.34,"end":378.44498},{"sentences":[{"text":"Yeah.","start":379.38498,"end":379.78497,"sentiment":"neutral","sentiment_score":0.0811341255903244},{"text":"Absolutely.","start":379.78497,"end":380.28497,"sentiment":"neutral","sentiment_score":0.17605555057525635},{"text":"Now these insurances within Australia, they do get to the point where they do actually expire.","start":380.585,"end":385.56497,"sentiment":"neutral","sentiment_score":-0.004958127625286579},{"text":"Normally, income protection and PPD will expire first, and then life expires later down the track.","start":386.10498,"end":391.98,"sentiment":"neutral","sentiment_score":-0.03985037060920149},{"text":"That's why they kinda keep getting lower and lower values.","start":392.28,"end":395.74002,"sentiment":"neutral","sentiment_score":-0.10603968016803264}],"sentiment":"neutral","sentiment_score":-0.03454870675605806,"num_words":44,"start":379.38498,"end":395.74002},{"sentences":[{"text":"But for the time being, keeping them there for another year, if that's important to you, then we'll absolutely do that.","start":395.88,"end":401.48,"sentiment":"neutral","sentiment_score":0.09608077665879614},{"text":"Just making sure you're comfortable with that.","start":401.48,"end":403.74002,"sentiment":"neutral","sentiment_score":0.0996369623712131},{"text":"Yep.","start":406.085,"end":406.48502,"sentiment":"positive","sentiment_score":0.3998703956604004},{"text":"Beautiful.","start":406.48502,"end":406.885,"sentiment":"positive","sentiment_score":0.6633822321891785},{"text":"And just to kind of explain, with the insurances, do you understand how they work?","start":406.885,"end":411.285,"sentiment":"neutral","sentiment_score":0.14158348341782886}],"sentiment":"neutral","sentiment_score":0.1311591094566716,"num_words":45,"start":395.88,"end":411.285},{"sentences":[{"text":"Do you have any questions around the different types of cover, how they pay, what happens, or anything like that?","start":411.285,"end":417.065,"sentiment":"neutral","sentiment_score":0.0464682656340301},{"text":"Yeah.","start":422.18002,"end":422.5,"sentiment":"neutral","sentiment_score":-0.0353667326271534},{"text":"Did you want me to yeah.","start":422.5,"end":430.5,"sentiment":"neutral","sentiment_score":-0.05427813157439232},{"text":"Yeah.","start":430.5,"end":430.82,"sentiment":"neutral","sentiment_score":0.03171011805534363},{"text":"Did you want me to give you a brief run through of the three different types of cover and how they work?","start":430.82,"end":435.235,"sentiment":"neutral","sentiment_score":0.046342013742436065}],"sentiment":"neutral","sentiment_score":0.03239128421992064,"num_words":50,"start":411.285,"end":435.235},{"sentences":[{"text":"No worries.","start":438.175,"end":438.995,"sentiment":"neutral","sentiment_score":0.0950026623904705},{"text":"So your life cover is very straightforward.","start":439.29498,"end":441.555,"sentiment":"positive","sentiment_score":0.3554516072784151},{"text":"It pays out a a benefit in the event that you pass away.","start":441.69498,"end":444.995,"sentiment":"neutral","sentiment_score":0.20505918333163628},{"text":"If you were to pass away based on the current level of cover you have, the 9,000 is paid out to your beneficiaries, but then your super balance is also paid out.","start":445.65002,"end":454.69,"sentiment":"neutral","sentiment_score":0.17335839057341218},{"text":"So you've also got the $26,006.00 7 and 15¢, plus to have 24 balance and the 9,000 of life cover.","start":454.69,"end":463.13498,"sentiment":"neutral","sentiment_score":0.19750882214621493}],"sentiment":"neutral","sentiment_score":0.20060372709819715,"num_words":74,"start":438.175,"end":463.13498},{"sentences":[{"text":"So overall, the total death benefit you you have is a 132,702 and 28¢ there.","start":463.13498,"end":471.875,"sentiment":"neutral","sentiment_score":0.137297373265028},{"text":"Okay?","start":472.01498,"end":472.51498,"sentiment":"neutral","sentiment_score":0.004461983218789101},{"text":"In the event of passing, and I'm sorry.","start":474.32,"end":476.64,"sentiment":"neutral","sentiment_score":-0.09418818634003401},{"text":"These are terribly conversations to have, but in the event of passing, where is it that you want that money to be paid to?","start":476.64,"end":485.12,"sentiment":"neutral","sentiment_score":-0.07892740859339635},{"text":"Who is your beneficiary that you would prefer to have that paid to?","start":485.12,"end":491.53497,"sentiment":"neutral","sentiment_score":-0.011868395914251987}],"sentiment":"neutral","sentiment_score":-0.014590453915297985,"num_words":61,"start":463.13498,"end":491.53497},{"sentences":[{"text":"Lisa Jack.","start":491.91498,"end":492.735,"sentiment":"neutral","sentiment_score":0.11238782852888107},{"text":"Beautiful.","start":492.875,"end":493.375,"sentiment":"neutral","sentiment_score":0.1746695041656494},{"text":"And she's yourself?","start":493.835,"end":494.81497,"sentiment":"neutral","sentiment_score":0.1259867250919342},{"text":"Yep.","start":497.435,"end":497.91498,"sentiment":"neutral","sentiment_score":0.2661817967891693},{"text":"Beautiful.","start":497.91498,"end":498.41498,"sentiment":"neutral","sentiment_score":0.26961004734039307}],"sentiment":"neutral","sentiment_score":0.16414964757859707,"num_words":8,"start":491.91498,"end":498.41498},{"sentences":[{"text":"So you have a binding in nomination.","start":498.955,"end":501.81,"sentiment":"neutral","sentiment_score":0.21075381764343806},{"text":"That essentially means that within Australian Super, that nomination has to be redone every three years.","start":501.87,"end":508.27,"sentiment":"neutral","sentiment_score":0.14369011018425226},{"text":"It is due to be done again next year, so I'll make sure that we have that completed for you prior to it being updated.","start":508.27,"end":515.01,"sentiment":"neutral","sentiment_score":0.17502200216054917},{"text":"But on your hub twenty on your hub twenty four super fund, you actually don't have a beneficiary nomination in place.","start":515.84503,"end":522.325,"sentiment":"neutral","sentiment_score":-0.07586948502631415},{"text":"So I do wanna make sure that that is updated, and we have that nomination made for you.","start":522.325,"end":528.425,"sentiment":"neutral","sentiment_score":0.1328617243303193}],"sentiment":"neutral","sentiment_score":0.10285195853860898,"num_words":87,"start":498.955,"end":528.425},{"sentences":[{"text":"So just confirming, you want a 100% of all your super to be paid to Alicia?","start":528.59,"end":533.25,"sentiment":"neutral","sentiment_score":0.17241579154506326},{"text":"Yep.","start":535.79004,"end":536.19,"sentiment":"positive","sentiment_score":0.414372205734253},{"text":"Beautiful.","start":536.19,"end":536.69,"sentiment":"positive","sentiment_score":0.4071792066097259},{"text":"Are you comfortable with us prefilling that nomination for you to make it easier?","start":536.75,"end":541.09,"sentiment":"positive","sentiment_score":0.37172476202249527},{"text":"Yep.","start":543.23,"end":543.63,"sentiment":"positive","sentiment_score":0.42717212438583374}],"sentiment":"neutral","sentiment_score":0.27913705665956845,"num_words":33,"start":528.59,"end":543.63},{"sentences":[{"text":"Beautiful.","start":543.63,"end":544.13,"sentiment":"positive","sentiment_score":0.402670681476593},{"text":"And just to confirm, so with twenty four, they actually have a couple of different nomination options for you.","start":544.96497,"end":552.505,"sentiment":"neutral","sentiment_score":0.22338043849327063},{"text":"You can have a binding, like, the same as what you have on Australian Super, which means you just refill the document out every three years, or I can actually make it a binding non lasting nomination, which means you do it now.","start":552.725,"end":566.06,"sentiment":"neutral","sentiment_score":0.08949455714156461},{"text":"We leave it on file.","start":566.06,"end":567.44,"sentiment":"neutral","sentiment_score":0.10190943330526352},{"text":"I check it with you every year, and it only has to be updated if you wanna change the person that you're nominated.","start":567.5,"end":574.615,"sentiment":"neutral","sentiment_score":0.12381356468667155}],"sentiment":"neutral","sentiment_score":0.13024641894786568,"num_words":91,"start":543.63,"end":574.615},{"sentences":[{"text":"Which way would you prefer to go?","start":575.39496,"end":577.495,"sentiment":"neutral","sentiment_score":0.05868892478091376},{"text":"Yeah.","start":582.355,"end":582.675,"sentiment":"neutral","sentiment_score":0.12520334124565125},{"text":"Yeah.","start":582.675,"end":582.915,"sentiment":"neutral","sentiment_score":0.14649483561515808},{"text":"We'll fill it out once and not have to again unless you just change your mind.","start":582.915,"end":586.615,"sentiment":"neutral","sentiment_score":0.15077879326418042},{"text":"Yep.","start":588.44,"end":588.94,"sentiment":"neutral","sentiment_score":0.31958532333374023}],"sentiment":"neutral","sentiment_score":0.13132948714953202,"num_words":26,"start":575.39496,"end":588.94},{"sentences":[{"text":"Perfect.","start":589.88,"end":590.38,"sentiment":"positive","sentiment_score":0.6676187515258789},{"text":"The least amount of paperwork we have that you have to do probably is the best way to go.","start":590.52,"end":594.86,"sentiment":"positive","sentiment_score":0.4221135691592568},{"text":"Absolutely.","start":598.6,"end":599.1,"sentiment":"positive","sentiment_score":0.5674148797988892},{"text":"Fantastic.","start":599.24,"end":599.74,"sentiment":"positive","sentiment_score":0.6653444766998291},{"text":"Not a problem.","start":600.44495,"end":601.00494,"sentiment":"positive","sentiment_score":0.4912662108739217}],"sentiment":"positive","sentiment_score":0.4557733821868897,"num_words":25,"start":589.88,"end":601.00494},{"sentences":[{"text":"Well, I will get that sorted for you, get the team to send it out for you to be signed.","start":601.00494,"end":605.08496,"sentiment":"neutral","sentiment_score":0.3179746814072132},{"text":"Did you want it emailed or posted?","start":605.08496,"end":606.925,"sentiment":"neutral","sentiment_score":0.0868198573589325},{"text":"What's the easiest or best option for you to have that signed and returned?","start":606.925,"end":610.625,"sentiment":"neutral","sentiment_score":0.1389628393309457},{"text":"I can do both if you would like.","start":614.68,"end":616.54,"sentiment":"neutral","sentiment_score":0.09224779065698385},{"text":"Yep.","start":618.68,"end":619.18,"sentiment":"neutral","sentiment_score":0.1235680878162384}],"sentiment":"neutral","sentiment_score":0.1954852558672428,"num_words":50,"start":601.00494,"end":619.18},{"sentences":[{"text":"Yep.","start":619.24,"end":619.64,"sentiment":"neutral","sentiment_score":0.21162760257720947},{"text":"Beautiful.","start":619.64,"end":620.14,"sentiment":"positive","sentiment_score":0.5759063363075256},{"text":"And then I'll get my team to follow it up for you as well to make sure that we can have that applied because the last thing I would want for you is something to happen, and that's super not to get to where you want it to be or for it to go through a probate process and make it difficult on Alicia.","start":620.68,"end":635.21497,"sentiment":"neutral","sentiment_score":0.1600813185214065},{"text":"So I'll get that organized ASAP for you.","start":635.27496,"end":638.875,"sentiment":"neutral","sentiment_score":0.21964803338050842},{"text":"Beautiful.","start":638.875,"end":639.375,"sentiment":"positive","sentiment_score":0.546342134475708}],"sentiment":"neutral","sentiment_score":0.177816863010327,"num_words":75,"start":619.24,"end":639.375},{"sentences":[{"text":"Excellent.","start":641.93,"end":642.43,"sentiment":"positive","sentiment_score":0.5759861469268799},{"text":"Now with TBD, that's total permanent disability, it pays out a benefit in the event that you're unable to ever go back to work again.","start":642.73,"end":651.07,"sentiment":"neutral","sentiment_score":0.17293960034847258},{"text":"So you've only got about 5,000 of cover there with TBD.","start":651.52997,"end":655.47,"sentiment":"neutral","sentiment_score":0.13845095444809308},{"text":"But, again, given your age, you can actually you're not able to go back to work again, also access super.","start":656.49,"end":662.88495,"sentiment":"neutral","sentiment_score":0.13252332657575608},{"text":"And because you're over 60, the TBD benefit and access to your super is all tax free.","start":663.50494,"end":669.52496,"sentiment":"neutral","sentiment_score":0.2259744537227294}],"sentiment":"neutral","sentiment_score":0.1745198499914762,"num_words":74,"start":641.93,"end":669.52496},{"sentences":[{"text":"Do you realistically have a disability benefit of about a 128,702?","start":669.68,"end":676.66,"sentiment":"neutral","sentiment_score":0.08018406616015868},{"text":"Okay?","start":676.72,"end":677.22,"sentiment":"neutral","sentiment_score":0.08842913806438446},{"text":"Excellent.","start":679.44,"end":679.94,"sentiment":"neutral","sentiment_score":0.04100321605801582},{"text":"And then your income protection pays out a, technically, a monthly benefit in the event that you're unable to go back to work ever again.","start":680.16,"end":688.355,"sentiment":"neutral","sentiment_score":0.06136114574968815},{"text":"Income protection is generally important when we can't access super, but if anything happened, you were not able to go back to work because you're over 60, you can actually also access your super there.","start":688.975,"end":698.915,"sentiment":"neutral","sentiment_score":0.03952724177922521}],"sentiment":"neutral","sentiment_score":0.053821084765742905,"num_words":73,"start":669.68,"end":698.915},{"sentences":[{"text":"So income protection is still important for you to keep a bit longer.","start":700.26,"end":703.62,"sentiment":"neutral","sentiment_score":0.1080933826474043},{"text":"Is that right?","start":703.62,"end":704.52,"sentiment":"neutral","sentiment_score":0.1313900649547577},{"text":"Yep.","start":706.74,"end":707.24,"sentiment":"neutral","sentiment_score":0.15096405148506165},{"text":"Yeah.","start":707.86,"end":708.1,"sentiment":"neutral","sentiment_score":0.24131256341934204},{"text":"That's absolutely fine.","start":708.1,"end":709.64,"sentiment":"positive","sentiment_score":0.4310422440369924}],"sentiment":"neutral","sentiment_score":0.16594226268075762,"num_words":21,"start":700.26,"end":709.64},{"sentences":[{"text":"You do as if you see on the bottom there, you do have a waiting and benefit period on that income protection policy.","start":710.02,"end":716.125,"sentiment":"neutral","sentiment_score":0.23733189054157422},{"text":"So it means you just have to be off work for sixty days prior to you making a claim, and then you can be on a claim for up to two years in the event that something was to happen.","start":716.125,"end":725.25,"sentiment":"neutral","sentiment_score":0.10852023269981145},{"text":"Okay.","start":725.73,"end":726.23,"sentiment":"neutral","sentiment_score":0.13477849960327148},{"text":"All good.","start":728.37,"end":729.01,"sentiment":"positive","sentiment_score":0.4054604768753052},{"text":"All good.","start":729.01,"end":729.75,"sentiment":"positive","sentiment_score":0.47384023666381836}],"sentiment":"neutral","sentiment_score":0.17195327525191448,"num_words":68,"start":710.02,"end":729.75},{"sentences":[{"text":"Yeah.","start":729.81,"end":730.31,"sentiment":"neutral","sentiment_score":0.17589588463306427},{"text":"You're not paying a great deal for it out of the Australian Superfund.","start":731.41,"end":735.19,"sentiment":"neutral","sentiment_score":-0.01180264658222978},{"text":"You paid about $893 to keep those insurances in place for this year.","start":735.25,"end":740.31,"sentiment":"neutral","sentiment_score":-0.0981151177906073},{"text":"That, obviously, the insurances do get less and less.","start":740.77,"end":743.46497,"sentiment":"neutral","sentiment_score":-0.11066589007774989},{"text":"So we'll keep kinda going through and checking with you each year.","start":743.46497,"end":746.285,"sentiment":"neutral","sentiment_score":0.0626899916678667}],"sentiment":"neutral","sentiment_score":-0.031182253393732633,"num_words":48,"start":729.81,"end":746.285},{"sentences":[{"text":"And whenever you're comfortable canceling them or when you feel you no longer need them again or if they just expire, then we can always look to consolidate your funds and put everything into hub twenty four.","start":746.745,"end":758.12,"sentiment":"neutral","sentiment_score":0.019464577573376732},{"text":"But for the moment, keeping Australians is important whilst you're wanting those insurance in place.","start":758.12,"end":763.18,"sentiment":"neutral","sentiment_score":0.023105437805255254},{"text":"Okay?","start":763.24,"end":763.74,"sentiment":"neutral","sentiment_score":0.039241548627614975},{"text":"Excellent.","start":766.27997,"end":766.77997,"sentiment":"positive","sentiment_score":0.49800950288772583},{"text":"All good.","start":766.92,"end":767.74,"sentiment":"positive","sentiment_score":0.45798616111278534}],"sentiment":"neutral","sentiment_score":0.04499989841133356,"num_words":56,"start":746.745,"end":767.74},{"sentences":[{"text":"Now the next document in there is your performance report, and it just has hub 24.","start":769.02496,"end":774.885,"sentiment":"neutral","sentiment_score":0.12895560963079333},{"text":"But it essentially shows for the last twelve months there, your super has returned a performance of 6.12% net or after fee.","start":775.185,"end":784.81,"sentiment":"neutral","sentiment_score":0.19796983220360495},{"text":"It isn't a bad return given your portfolio, but it is a bit lower because of the market ups and downs that we have sort of seen this year.","start":785.19,"end":793.13,"sentiment":"neutral","sentiment_score":0.11945172707582342},{"text":"But it's good that you have sort of come up with a 6% return.","start":794.095,"end":797.235,"sentiment":"positive","sentiment_score":0.5868862122297287},{"text":"I did also have a little bit of a look at your super and the individual investment.","start":797.855,"end":802.755,"sentiment":"neutral","sentiment_score":0.2710230438148274}],"sentiment":"neutral","sentiment_score":0.2316992333044811,"num_words":98,"start":769.02496,"end":802.755},{"sentences":[{"text":"I can sort of see some changes that realistically we should make.","start":803.215,"end":806.895,"sentiment":"neutral","sentiment_score":0.2666663828616341},{"text":"You do have one investment that is kind of underperforming a little bit at the moment, so I would like to maybe go back and maybe make some changes, a little bit updating your portfolio for you.","start":806.895,"end":819.29,"sentiment":"neutral","sentiment_score":-0.13775825671650269},{"text":"Are you comfortable with me reviewing things and updating that for you?","start":819.29,"end":822.91,"sentiment":"neutral","sentiment_score":-0.01687822366754214},{"text":"Yes.","start":825.215,"end":825.615,"sentiment":"neutral","sentiment_score":0.23583382368087769},{"text":"Beautiful.","start":825.615,"end":826.115,"sentiment":"positive","sentiment_score":0.47642064094543457}],"sentiment":"neutral","sentiment_score":-0.022021319421510848,"num_words":63,"start":803.215,"end":826.115},{"sentences":[{"text":"If you are looking at that second document, the the internal rate of return, it sounds like you're driving.","start":826.815,"end":832.255,"sentiment":"neutral","sentiment_score":0.06977517942064687},{"text":"Are you driving at the moment?","start":832.255,"end":833.715,"sentiment":"neutral","sentiment_score":0.0016177290429671605},{"text":"No.","start":839.43,"end":839.67,"sentiment":"neutral","sentiment_score":-0.17764204740524292},{"text":"That's you're okay.","start":839.67,"end":843.20996,"sentiment":"neutral","sentiment_score":-0.07826157535115878},{"text":"I just I could hear something ticking in the background.","start":843.26996,"end":845.35,"sentiment":"neutral","sentiment_score":-0.07869535684585571}],"sentiment":"neutral","sentiment_score":0.0034885754187901816,"num_words":39,"start":826.815,"end":845.35},{"sentences":[{"text":"I thought I don't wanna be, you know, asking if you're looking at documents if or if you're driving.","start":845.35,"end":849.18994,"sentiment":"neutral","sentiment_score":-0.1999824196100235},{"text":"I don't wanna be unsafe at all.","start":849.18994,"end":850.935,"sentiment":"neutral","sentiment_score":-0.3218847172600882},{"text":"But if you're looking at that second document there, the performance of internal rate of return, on the first page, it outlines all the individual investments there that you have in your portfolio.","start":851.415,"end":861.595,"sentiment":"neutral","sentiment_score":-0.004145376835808609},{"text":"The first one is the Benelong Australian Equities.","start":862.375,"end":865.435,"sentiment":"neutral","sentiment_score":0.015152897220104933},{"text":"That is giving you access to the Australian market, and that's the investment that realistically is not performing very well.","start":865.97003,"end":873.27,"sentiment":"neutral","sentiment_score":-0.05898079108446837}],"sentiment":"neutral","sentiment_score":-0.0833109088841526,"num_words":87,"start":845.35,"end":873.27},{"sentences":[{"text":"That investment manager, he it's more of an actively managed fund.","start":874.13,"end":879.01,"sentiment":"neutral","sentiment_score":-0.13059638711539182},{"text":"So that investment manager is supposed to be trying to time the market and outperform against the market, but they haven't been able to do so.","start":879.01,"end":887.255,"sentiment":"neutral","sentiment_score":-0.13100074432217157},{"text":"And I sort of think given your time of life, it's not really worth you being in an investor that's underperforming.","start":887.715,"end":894.29504,"sentiment":"negative","sentiment_score":-0.40053242374034154},{"text":"So I'd like to remove that out of your portfolio and replace that if you're comfortable with me doing it.","start":894.66,"end":900.6,"sentiment":"neutral","sentiment_score":-0.24334684312343596},{"text":"So we have some passively managed investment options, which one of the biggest differences is that Benelmong Australian equity fund, that investment holds about 15 to 25 different investments within that portfolio.","start":904.01996,"end":917.025,"sentiment":"neutral","sentiment_score":0.0062092290609143674}],"sentiment":"neutral","sentiment_score":-0.16292729128829458,"num_words":110,"start":874.13,"end":917.025},{"sentences":[{"text":"I can replace it with, like, an Australian 200 fund, which is giving you access or exposure to the top 200 companies on the ASX.","start":917.805,"end":926.93005,"sentiment":"neutral","sentiment_score":0.13812833711504935},{"text":"And that type of investment is giving you more diversification.","start":927.39,"end":930.61005,"sentiment":"neutral","sentiment_score":0.15509314090013504},{"text":"It's also a cheaper investment.","start":931.63,"end":933.25,"sentiment":"neutral","sentiment_score":0.04620771259069443},{"text":"It's not actively managed.","start":933.47003,"end":934.99005,"sentiment":"neutral","sentiment_score":-0.0833248607814312},{"text":"It's more of a passively managed fund.","start":934.99005,"end":936.99005,"sentiment":"neutral","sentiment_score":0.07648420972483498}],"sentiment":"neutral","sentiment_score":0.10661310636821915,"num_words":51,"start":917.805,"end":936.99005},{"sentences":[{"text":"So the investment manager is just trying to stay invested in the market and changes the investments with the in with the index, so the a 200 index, essentially.","start":936.99005,"end":947.305,"sentiment":"neutral","sentiment_score":0.12211150187870552},{"text":"That could also be a lower cost investment, so it might be cheaper to hold, which means that your fees could decrease, which would be good.","start":948.405,"end":956.72003,"sentiment":"neutral","sentiment_score":0.3060621859935614},{"text":"Yep.","start":959.18005,"end":959.58,"sentiment":"neutral","sentiment_score":0.21374830603599548},{"text":"Yep.","start":959.58,"end":959.98004,"sentiment":"neutral","sentiment_score":0.25828608870506287},{"text":"Beautiful.","start":959.98004,"end":960.48004,"sentiment":"positive","sentiment_score":0.664247989654541}],"sentiment":"neutral","sentiment_score":0.21784711680535612,"num_words":58,"start":936.99005,"end":960.48004},{"sentences":[{"text":"Excellent.","start":960.78,"end":961.28,"sentiment":"positive","sentiment_score":0.663480818271637},{"text":"The other investments in there have performed nicely.","start":962.06,"end":965.2,"sentiment":"positive","sentiment_score":0.48227230831980705},{"text":"The other ones, if you scroll down, you've got bank hybrids.","start":965.34,"end":968.615,"sentiment":"neutral","sentiment_score":0.05003483678129586},{"text":"These are more of a defensive investment.","start":969.315,"end":971.415,"sentiment":"neutral","sentiment_score":0.013499564890350615},{"text":"These are actually being phased out by the government.","start":971.475,"end":974.115,"sentiment":"neutral","sentiment_score":-0.03142525917953915}],"sentiment":"neutral","sentiment_score":0.1356586697511375,"num_words":36,"start":960.78,"end":974.115},{"sentences":[{"text":"So I'm actually thinking I'd probably like to move that from your portfolio and replace it because these bank hybrids are more of a complex kind of banking investment.","start":974.115,"end":982.695,"sentiment":"neutral","sentiment_score":-0.026074112136045408},{"text":"The government's gonna phase them out over the next couple of years, so we either move them now or we wait till down the track when we have to remove them from your portfolio.","start":982.755,"end":992.19,"sentiment":"neutral","sentiment_score":-0.05321632479043568},{"text":"So if I'm gonna make changes, I'd probably do that now.","start":992.56995,"end":996.02997,"sentiment":"neutral","sentiment_score":-0.06467359005050226},{"text":"Yeah.","start":997.065,"end":997.565,"sentiment":"neutral","sentiment_score":-0.0136180417612195},{"text":"Absolutely.","start":998.505,"end":999.005,"sentiment":"neutral","sentiment_score":0.009261545725166798}],"sentiment":"neutral","sentiment_score":-0.043174608965943516,"num_words":76,"start":974.115,"end":999.005},{"sentences":[{"text":"You've got some cyber sorry.","start":1000.265,"end":1002.98505,"sentiment":"neutral","sentiment_score":-0.02053919471800327},{"text":"What was that?","start":1002.98505,"end":1003.885,"sentiment":"neutral","sentiment_score":-0.02444178331643343},{"text":"Yeah.","start":1008.185,"end":1008.505,"sentiment":"neutral","sentiment_score":0.08615173399448395},{"text":"Absolutely.","start":1008.505,"end":1009.005,"sentiment":"neutral","sentiment_score":0.20418120920658112},{"text":"You've also got cybersecurity in there, which has performed very nicely.","start":1010.62,"end":1014.48,"sentiment":"neutral","sentiment_score":0.2867858355695551}],"sentiment":"neutral","sentiment_score":0.1556645624250883,"num_words":21,"start":1000.265,"end":1014.48},{"sentences":[{"text":"The one underneath that with the ticket code Q o zed, that's the beta shares Raffi 200.","start":1014.86,"end":1021.1,"sentiment":"neutral","sentiment_score":0.15655850706731572},{"text":"That is giving you exposure to some 200 of the, you know, largest companies on the ASX market.","start":1021.1,"end":1027.615,"sentiment":"neutral","sentiment_score":0.18544363396035302},{"text":"If you've also got physical gold, which has done really, really well as one of your best performers in your portfolio over the year.","start":1028.475,"end":1035.9349,"sentiment":"positive","sentiment_score":0.3548805195217331},{"text":"And then you've also got underneath that the s and p 500, and that's giving you exposure to some top 500 companies on The US market, which is, again, done really well over 10% for this year, so it's good to see.","start":1037.37,"end":1050.5901,"sentiment":"neutral","sentiment_score":0.26830140217429116},{"text":"You've also got the iCare Fios Plus.","start":1052.595,"end":1055.235,"sentiment":"neutral","sentiment_score":0.2091745287179947}],"sentiment":"neutral","sentiment_score":0.2523101212249862,"num_words":108,"start":1014.86,"end":1055.235},{"sentences":[{"text":"This is a lower risk investment, so it's giving you access to high income producing shares.","start":1055.235,"end":1061.175,"sentiment":"neutral","sentiment_score":0.26479552779346704},{"text":"It's done about 3%.","start":1061.795,"end":1063.8,"sentiment":"neutral","sentiment_score":0.2079029604792595},{"text":"Not great, but it's expected for this kind of investment.","start":1064.04,"end":1066.9401,"sentiment":"neutral","sentiment_score":-0.017600986734032632},{"text":"And then the last one there is the JPMorgan asset management fund.","start":1069.0,"end":1074.3,"sentiment":"neutral","sentiment_score":0.15317397316296896},{"text":"That has done very, very well.","start":1074.6001,"end":1076.2001,"sentiment":"positive","sentiment_score":0.6172163784503937}],"sentiment":"neutral","sentiment_score":0.2173690909985453,"num_words":48,"start":1055.235,"end":1076.2001},{"sentences":[{"text":"That, again, is a bit of an actively managed fund, so it's utilizing JPMorgan's research team to kind of climb the market, pick investments that are doing really well.","start":1076.2001,"end":1086.3551,"sentiment":"neutral","sentiment_score":0.3147279954162137},{"text":"It has done very, very well for you.","start":1086.5751,"end":1089.155,"sentiment":"positive","sentiment_score":0.6600624844431877},{"text":"But the other thing I kinda wanted to check-in with you is when we look at risk in a portfolio, you you have, like, the risk where you have growth and defensive assets and that kind of risk factor, but you also have risk in active and passive managed funds.","start":1089.615,"end":1107.225,"sentiment":"neutral","sentiment_score":-0.01729582604020834},{"text":"So where there's managed funds that the investment managers try to tie in the market and pick investments, you actually take a bit more risk to have those investments in there because if they time it wrong, if they don't pick the right investments, it can affect your portfolio.","start":1107.785,"end":1122.0449,"sentiment":"neutral","sentiment_score":-0.041481124555540025},{"text":"Having passively managed funds can also reduce risk of your portfolio.","start":1123.62,"end":1127.8,"sentiment":"neutral","sentiment_score":0.21092609790238467}],"sentiment":"neutral","sentiment_score":0.09408457424700717,"num_words":147,"start":1076.2001,"end":1127.8},{"sentences":[{"text":"Because of your age and stage and where you're at in life, would you like me to maybe alter the portfolio to reduce that risk and have it more passively managed, or do you wanna see some of that active management in there and comfortable taking a bit more risk in your portfolio?","start":1128.42,"end":1143.1849,"sentiment":"neutral","sentiment_score":0.017993425563821254},{"text":"Does that make sense?","start":1143.565,"end":1144.525,"sentiment":"neutral","sentiment_score":-0.03451022133231163},{"text":"And do you have questions?","start":1144.525,"end":1145.825,"sentiment":"neutral","sentiment_score":-0.030126646161079407},{"text":"Reduce the risk.","start":1148.765,"end":1149.57,"sentiment":"neutral","sentiment_score":-0.07363371551036835},{"text":"Yep.","start":1149.8099,"end":1150.0499,"sentiment":"neutral","sentiment_score":0.1095622107386589}],"sentiment":"neutral","sentiment_score":0.008388462165991465,"num_words":66,"start":1128.42,"end":1150.0499},{"sentences":[{"text":"Beautiful.","start":1150.0499,"end":1150.5499,"sentiment":"neutral","sentiment_score":0.30980706214904785},{"text":"I can do that for you.","start":1152.69,"end":1153.8899,"sentiment":"neutral","sentiment_score":0.23203274607658386},{"text":"We'll look at some passive funds.","start":1153.8899,"end":1155.6699,"sentiment":"neutral","sentiment_score":0.07558467487494151},{"text":"Beautiful.","start":1155.8099,"end":1156.3099,"sentiment":"neutral","sentiment_score":0.3327580988407135},{"text":"So that's sort of how your portfolio is performed.","start":1158.0499,"end":1160.61,"sentiment":"neutral","sentiment_score":0.20507003366947174}],"sentiment":"neutral","sentiment_score":0.188430434335833,"num_words":23,"start":1150.0499,"end":1160.61},{"sentences":[{"text":"I've got some good ideas to remove those for you.","start":1160.61,"end":1163.35,"sentiment":"neutral","sentiment_score":0.08896006420254707},{"text":"But, realistically, in the last twelve months, the 6% return isn't bad for your portfolio, which is good.","start":1163.49,"end":1169.385,"sentiment":"neutral","sentiment_score":0.2977042578988605},{"text":"We just wanna keep building on that for you.","start":1169.385,"end":1171.885,"sentiment":"positive","sentiment_score":0.3964716096719106},{"text":"Okay?","start":1171.9451,"end":1172.4451,"sentiment":"neutral","sentiment_score":0.15151047706604004},{"text":"Yep.","start":1173.7051,"end":1174.2051,"sentiment":"neutral","sentiment_score":0.25278395414352417}],"sentiment":"neutral","sentiment_score":0.26207221031953126,"num_words":39,"start":1160.61,"end":1174.2051},{"sentences":[{"text":"Beautiful.","start":1174.5851,"end":1175.0851,"sentiment":"positive","sentiment_score":0.5889410376548767},{"text":"Beautiful.","start":1176.665,"end":1176.8251,"sentiment":"positive","sentiment_score":0.5210198163986206},{"text":"The next couple of documents in there is the Vanguard index chart.","start":1176.8251,"end":1180.44,"sentiment":"neutral","sentiment_score":0.15979686193168163},{"text":"Is this gives you an idea and a guide of how markets change and react over time?","start":1180.44,"end":1185.26,"sentiment":"neutral","sentiment_score":0.13639164803659215},{"text":"I'm kind of not gonna bore you and go through a lot of that.","start":1186.2799,"end":1189.24,"sentiment":"neutral","sentiment_score":0.04602208041719028}],"sentiment":"neutral","sentiment_score":0.13312200754880904,"num_words":45,"start":1174.5851,"end":1189.24},{"sentences":[{"text":"It's just a bit of a guide.","start":1189.24,"end":1190.62,"sentiment":"neutral","sentiment_score":0.18665194724287307},{"text":"Did you wanna kind of go through the index chart and talk about how investments move and the different types of investment risks and things like that, or are you happy with what we've kinda gone through?","start":1190.76,"end":1201.415,"sentiment":"neutral","sentiment_score":0.08961701826066584},{"text":"That's that's okay.","start":1204.1951,"end":1207.715,"sentiment":"neutral","sentiment_score":0.2312716543674469},{"text":"Not everyone's that interested in the investment side of things, so we keep adding there as a bit of a guide.","start":1207.715,"end":1212.4,"sentiment":"neutral","sentiment_score":-0.03070019797555038},{"text":"It's a bit of a talking point.","start":1212.4,"end":1214.4,"sentiment":"neutral","sentiment_score":0.03222119063138962}],"sentiment":"neutral","sentiment_score":0.06529403261840344,"num_words":75,"start":1189.24,"end":1214.4},{"sentences":[{"text":"It's all good.","start":1214.4,"end":1215.22,"sentiment":"neutral","sentiment_score":0.3065320650736491},{"text":"The next document that's okay.","start":1216.1599,"end":1220.1,"sentiment":"neutral","sentiment_score":-0.020361585915088652},{"text":"You're fine.","start":1220.24,"end":1221.0599,"sentiment":"neutral","sentiment_score":0.12633244320750237},{"text":"The next document in there is the financial service It's got that outlines everything about who we are, what we do, and how we do it.","start":1221.84,"end":1228.4249,"sentiment":"neutral","sentiment_score":0.07870041099018775},{"text":"We've updated it recently as well, so it's got a lovely picture of me in there.","start":1228.4249,"end":1232.445,"sentiment":"positive","sentiment_score":0.36419254168868065}],"sentiment":"neutral","sentiment_score":0.17199508663123617,"num_words":52,"start":1214.4,"end":1232.445},{"sentences":[{"text":"I always tell people it's a pretty boring document.","start":1232.985,"end":1235.625,"sentiment":"neutral","sentiment_score":-0.3293960342804591},{"text":"If you have trouble sleeping one night, you could whip that one out and have a bit of a read.","start":1235.625,"end":1239.965,"sentiment":"neutral","sentiment_score":-0.19702813327312468},{"text":"But, otherwise, it this is kind of a a legal document that allows everything about who we are as advisers.","start":1240.5,"end":1246.18,"sentiment":"neutral","sentiment_score":0.04077495420351625},{"text":"It has all of our licensing information there for you and all of our services as well.","start":1246.18,"end":1251.06,"sentiment":"neutral","sentiment_score":0.05752147657468038},{"text":"Okay?","start":1251.06,"end":1251.56,"sentiment":"neutral","sentiment_score":0.02955896593630314}],"sentiment":"neutral","sentiment_score":-0.07585378839120047,"num_words":67,"start":1232.985,"end":1251.56},{"sentences":[{"text":"The last document on there is the ongoing service agreement for the next twelve months there.","start":1253.505,"end":1258.0651,"sentiment":"neutral","sentiment_score":0.01632947043981403},{"text":"So you are on an ongoing service fee for our services for having us look after your super and continue to update the advice and work towards your goals there.","start":1258.0651,"end":1266.645,"sentiment":"neutral","sentiment_score":0.0547323984404405},{"text":"It is 1.65% per annum.","start":1267.2201,"end":1269.8,"sentiment":"neutral","sentiment_score":0.01168577317148447},{"text":"As of next year, our ongoing service fee structure changes a little bit.","start":1270.18,"end":1274.2001,"sentiment":"neutral","sentiment_score":-0.008791204685202012},{"text":"Essentially, we'll end up with a tiered structure.","start":1274.5801,"end":1276.66,"sentiment":"neutral","sentiment_score":-0.006777875474654138}],"sentiment":"neutral","sentiment_score":0.024905051130594477,"num_words":72,"start":1253.505,"end":1276.66},{"sentences":[{"text":"So once your balance gets over 200,000, then the percentage drops a little bit until 500,000, and it continues to drop as your balance increases.","start":1276.66,"end":1285.905,"sentiment":"neutral","sentiment_score":-0.00998125245794654},{"text":"We go into the next tier structure.","start":1286.125,"end":1288.065,"sentiment":"neutral","sentiment_score":0.007762902815427099},{"text":"So your balance will increase, and the next tier is a lower percentage fee.","start":1288.445,"end":1292.625,"sentiment":"neutral","sentiment_score":0.01832157825785024},{"text":"At the moment, it's not really gonna affect your super balance, but I wanna get you up there so you can kind of go through the tiered structure and reduce that percentage each time.","start":1292.8999,"end":1302.6799,"sentiment":"neutral","sentiment_score":0.04178896392969524},{"text":"But for now, it's just that 1.65%, and that is per annum.","start":1303.22,"end":1307.245,"sentiment":"neutral","sentiment_score":0.008858211804181337}],"sentiment":"neutral","sentiment_score":0.017265591512272215,"num_words":92,"start":1276.66,"end":1307.245},{"sentences":[{"text":"And it said deducted from your super account on a monthly basis in smaller monthly increments.","start":1307.245,"end":1312.145,"sentiment":"neutral","sentiment_score":0.020481263694819063},{"text":"Do you have any questions about how the fee structure works?","start":1312.4451,"end":1315.585,"sentiment":"neutral","sentiment_score":0.002201976000585339},{"text":"Or not beautiful.","start":1315.645,"end":1319.9,"sentiment":"negative","sentiment_score":-0.3939133857687314},{"text":"Beautiful.","start":1320.12,"end":1320.6001,"sentiment":"neutral","sentiment_score":-0.015606810338795183},{"text":"Well, once you've had a look through those documents, if you are comfortable to sign those, I will get you to sign and return them back.","start":1320.6001,"end":1326.78,"sentiment":"neutral","sentiment_score":0.09452494119222347}],"sentiment":"neutral","sentiment_score":0.028284622078532714,"num_words":57,"start":1307.245,"end":1326.78},{"sentences":[{"text":"The last document as you are signing to them is the tax file opt in form.","start":1327.24,"end":1331.24,"sentiment":"neutral","sentiment_score":0.08948445203714073},{"text":"So it's essentially just letting you know that we hold your tax file number.","start":1331.24,"end":1334.7001,"sentiment":"neutral","sentiment_score":0.10521052405238152},{"text":"We do so we have to because we set your super account up.","start":1334.975,"end":1338.255,"sentiment":"neutral","sentiment_score":0.11286345238869007},{"text":"But because we are very security conscious, we just wanna let you know that we hold this personal information, how and why, and this document outlines that for you.","start":1338.255,"end":1346.515,"sentiment":"neutral","sentiment_score":0.08977649270974357},{"text":"Okay?","start":1346.5751,"end":1347.0751,"sentiment":"neutral","sentiment_score":0.06807295978069305}],"sentiment":"neutral","sentiment_score":0.09648650272251809,"num_words":73,"start":1327.24,"end":1347.0751},{"sentences":[{"text":"Excellent.","start":1349.87,"end":1350.27,"sentiment":"positive","sentiment_score":0.5732051134109497},{"text":"All good.","start":1350.27,"end":1350.99,"sentiment":"positive","sentiment_score":0.5742332935333252},{"text":"Thank you so much for that.","start":1350.99,"end":1352.53,"sentiment":"positive","sentiment_score":0.734554648399353},{"text":"I'm just gonna run through and update a couple of details there with your circumstances currently just to make sure when I'm updating the advice that I have the correct information.","start":1352.8301,"end":1362.2101,"sentiment":"neutral","sentiment_score":0.22898066861014213},{"text":"Just checking income wise, we had you on about 70,000 per annum.","start":1363.4751,"end":1368.515,"sentiment":"neutral","sentiment_score":0.057771629032989345}],"sentiment":"neutral","sentiment_score":0.2677049974266153,"num_words":52,"start":1349.87,"end":1368.515},{"sentences":[{"text":"Are you still on that have you had a pay rise?","start":1368.515,"end":1370.935,"sentiment":"neutral","sentiment_score":0.007724424824118614},{"text":"No?","start":1375.0751,"end":1375.5751,"sentiment":"neutral","sentiment_score":-0.2155100703239441},{"text":"Oh, you'll worth more money than that, especially today.","start":1375.795,"end":1383.4501,"sentiment":"neutral","sentiment_score":-0.2516772300004959},{"text":"Oh, I have to have a chat to them.","start":1384.0701,"end":1385.8301,"sentiment":"neutral","sentiment_score":-0.15163492990864647},{"text":"I'll tell you what.","start":1385.8301,"end":1386.81,"sentiment":"neutral","sentiment_score":-0.05750989634543657}],"sentiment":"neutral","sentiment_score":-0.11736442417125492,"num_words":34,"start":1368.515,"end":1386.81},{"sentences":[{"text":"All good.","start":1388.885,"end":1389.445,"sentiment":"neutral","sentiment_score":0.14450396597385406},{"text":"So about 70,000 is correct.","start":1389.445,"end":1391.5249,"sentiment":"neutral","sentiment_score":0.055584757775068286},{"text":"Is that right?","start":1391.5249,"end":1392.505,"sentiment":"neutral","sentiment_score":0.04373674343029658},{"text":"Yes.","start":1395.0449,"end":1395.5449,"sentiment":"neutral","sentiment_score":0.0498528964817524},{"text":"Yes.","start":1395.605,"end":1395.9249,"sentiment":"neutral","sentiment_score":0.06330680102109909}],"sentiment":"neutral","sentiment_score":0.0676084707180659,"num_words":12,"start":1388.885,"end":1395.9249},{"sentences":[{"text":"That's okay.","start":1395.9249,"end":1396.745,"sentiment":"neutral","sentiment_score":0.13597234338521957},{"text":"We also were able to save on a weekly basis around about 50 to $200 per week depending on bills and expenses.","start":1400.1649,"end":1407.93,"sentiment":"neutral","sentiment_score":0.12287574379958889},{"text":"Are you still finding that or you're sort of finding it harder to save at the moment?","start":1408.31,"end":1412.41,"sentiment":"neutral","sentiment_score":-0.18546499005135367},{"text":"Not real sure.","start":1418.5751,"end":1419.635,"sentiment":"neutral","sentiment_score":-0.19556890428066254},{"text":"Yep.","start":1424.735,"end":1425.055,"sentiment":"neutral","sentiment_score":-0.07478798925876617}],"sentiment":"neutral","sentiment_score":-0.018648632946941586,"num_words":45,"start":1395.9249,"end":1425.055},{"sentences":[{"text":"That's yeah.","start":1425.055,"end":1427.155,"sentiment":"neutral","sentiment_score":-0.18711865320801735},{"text":"That's okay.","start":1427.6951,"end":1428.415,"sentiment":"neutral","sentiment_score":0.034532928257249296},{"text":"That's not a problem at all.","start":1428.415,"end":1430.115,"sentiment":"neutral","sentiment_score":0.12150805443525314},{"text":"I've also got your main primary residence down.","start":1430.73,"end":1433.29,"sentiment":"neutral","sentiment_score":0.058060978539288044},{"text":"We had an asset value of about 3 oh, sorry.","start":1433.29,"end":1436.01,"sentiment":"neutral","sentiment_score":0.03178334515541792}],"sentiment":"neutral","sentiment_score":0.04307850559208808,"num_words":28,"start":1425.055,"end":1436.01},{"sentences":[{"text":"Yeah.","start":1436.01,"end":1436.25,"sentiment":"neutral","sentiment_score":0.01874350942671299},{"text":"About 300,000.","start":1436.25,"end":1437.61,"sentiment":"neutral","sentiment_score":0.033347008749842644},{"text":"What kind of value would you put on your house now, do you think?","start":1437.61,"end":1440.51,"sentiment":"neutral","sentiment_score":-0.019584121581699167},{"text":"Yeah.","start":1461.15,"end":1461.65,"sentiment":"neutral","sentiment_score":-0.08804856240749359},{"text":"Mhmm.","start":1471.745,"end":1472.245,"sentiment":"neutral","sentiment_score":-0.10126351565122604}],"sentiment":"neutral","sentiment_score":-0.01989748701453209,"num_words":19,"start":1436.01,"end":1472.245},{"sentences":[{"text":"Yeah.","start":1472.545,"end":1472.865,"sentiment":"neutral","sentiment_score":-0.046928346157073975},{"text":"Wow.","start":1472.865,"end":1473.365,"sentiment":"neutral","sentiment_score":-0.04899873957037926},{"text":"That's crazy, isn't it?","start":1473.825,"end":1475.025,"sentiment":"neutral","sentiment_score":-0.11650114879012108},{"text":"It's great, though.","start":1475.025,"end":1476.085,"sentiment":"neutral","sentiment_score":0.21198218315839767},{"text":"Yeah.","start":1476.225,"end":1476.725,"sentiment":"neutral","sentiment_score":0.03144417703151703}],"sentiment":"neutral","sentiment_score":0.010545904561877251,"num_words":10,"start":1472.545,"end":1476.725},{"sentences":[{"text":"Yes.","start":1485.04,"end":1485.36,"sentiment":"neutral","sentiment_score":0.07757723331451416},{"text":"Yes.","start":1485.36,"end":1485.68,"sentiment":"neutral","sentiment_score":0.09501338005065918},{"text":"It's what someone would pay for it.","start":1485.68,"end":1487.6,"sentiment":"neutral","sentiment_score":0.030160798025982722},{"text":"Yeah.","start":1487.6,"end":1488.1,"sentiment":"neutral","sentiment_score":0.013366097584366798},{"text":"Yeah.","start":1496.24,"end":1496.72,"sentiment":"neutral","sentiment_score":0.06909990310668945}],"sentiment":"neutral","sentiment_score":0.04238020002164624,"num_words":11,"start":1485.04,"end":1496.72},{"sentences":[{"text":"Absolutely.","start":1496.72,"end":1497.22,"sentiment":"neutral","sentiment_score":0.06497775763273239},{"text":"No.","start":1497.92,"end":1498.24,"sentiment":"neutral","sentiment_score":-0.11844921112060548},{"text":"All good.","start":1498.24,"end":1499.06,"sentiment":"neutral","sentiment_score":-0.0006786007434129715},{"text":"With the loan on the property, we had you owing about a 120,000.","start":1499.655,"end":1503.655,"sentiment":"neutral","sentiment_score":-0.10844959089389214},{"text":"Have you been able to reduce that recently in the last year?","start":1503.655,"end":1506.7151,"sentiment":"neutral","sentiment_score":-0.1419653445482254}],"sentiment":"neutral","sentiment_score":-0.10925025762668972,"num_words":29,"start":1496.72,"end":1506.7151},{"sentences":[{"text":"No.","start":1510.8551,"end":1511.0951,"sentiment":"neutral","sentiment_score":-0.10600438714027403},{"text":"That's okay.","start":1511.0951,"end":1511.895,"sentiment":"neutral","sentiment_score":-0.05501290783286095},{"text":"Would it be just under that 120 or around about the same?","start":1511.895,"end":1519.17,"sentiment":"neutral","sentiment_score":-0.025188909843564034},{"text":"Yep.","start":1519.17,"end":1519.49,"sentiment":"neutral","sentiment_score":0.02986847423017025},{"text":"That's it.","start":1519.49,"end":1520.3099,"sentiment":"neutral","sentiment_score":0.03988194838166237}],"sentiment":"neutral","sentiment_score":-0.022703597218626075,"num_words":18,"start":1510.8551,"end":1520.3099},{"sentences":[{"text":"Yeah.","start":1521.09,"end":1521.49,"sentiment":"neutral","sentiment_score":-0.2451392114162445},{"text":"That's okay.","start":1521.49,"end":1522.29,"sentiment":"neutral","sentiment_score":-0.0954681858420372},{"text":"I'll just I I will just note a 120,000 and just say it should be a little bit lower than that.","start":1522.29,"end":1528.47,"sentiment":"neutral","sentiment_score":-0.04271090633812405},{"text":"That's okay.","start":1534.0349,"end":1534.835,"sentiment":"neutral","sentiment_score":0.15518954396247864},{"text":"You're absolutely fine.","start":1534.835,"end":1536.375,"sentiment":"neutral","sentiment_score":0.30906473596890766}],"sentiment":"neutral","sentiment_score":-0.003290735185146332,"num_words":29,"start":1521.09,"end":1536.375},{"sentences":[{"text":"Your car we had, it doesn't tell me what car it is, but an asset value of 8,000.","start":1537.1549,"end":1542.2949,"sentiment":"neutral","sentiment_score":-0.03465317707094881},{"text":"Is that one of your cars you'd value close to 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both those Dodge Dodge vehicles are debt free.","start":1585.645,"end":1589.9651,"sentiment":"neutral","sentiment_score":-0.0030204057693481445},{"text":"You don't owe any money on them at all?","start":1589.9651,"end":1591.985,"sentiment":"neutral","sentiment_score":-0.056905845594074994},{"text":"Yep.","start":1593.9651,"end":1594.4651,"sentiment":"neutral","sentiment_score":0.06251633167266846},{"text":"Beautiful.","start":1594.605,"end":1595.105,"sentiment":"neutral","sentiment_score":0.26448580622673035},{"text":"I've also got a yeah.","start":1595.245,"end":1599.3601,"sentiment":"neutral","sentiment_score":0.05376183837652206}],"sentiment":"neutral","sentiment_score":0.0022590027004480363,"num_words":25,"start":1585.645,"end":1599.3601},{"sentences":[{"text":"Lovely.","start":1599.5801,"end":1600.0801,"sentiment":"neutral","sentiment_score":0.30109506845474243},{"text":"All the taxes.","start":1600.54,"end":1601.52,"sentiment":"neutral","sentiment_score":0.0860527182618777},{"text":"I've also got a Hyundai Accent.","start":1602.54,"end":1605.1001,"sentiment":"neutral","sentiment_score":0.029872088072200615},{"text":"Do you still have that vehicle?","start":1605.1001,"end":1606.56,"sentiment":"neutral","sentiment_score":0.016767514869570732},{"text":"Sold that one.","start":1609.02,"end":1609.9801,"sentiment":"neutral","sentiment_score":0.033924526224533715}],"sentiment":"neutral","sentiment_score":0.04951917997708446,"num_words":19,"start":1599.5801,"end":1609.9801},{"sentences":[{"text":"Beautiful.","start":1609.9801,"end":1610.4801,"sentiment":"neutral","sentiment_score":0.3056231737136841},{"text":"And I've also got, I believe, another car down valued at 15,000, but I would say it's probably the other Dodge, the caliber that we just talked about 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down?","start":1627.87,"end":1634.61,"sentiment":"neutral","sentiment_score":0.11994344819533198},{"text":"No?","start":1637.79,"end":1637.925,"sentiment":"neutral","sentiment_score":-0.059450797736644745},{"text":"No.","start":1645.365,"end":1645.685,"sentiment":"neutral","sentiment_score":-0.0577673465013504}],"sentiment":"neutral","sentiment_score":0.20742043963185064,"num_words":27,"start":1625.55,"end":1645.685},{"sentences":[{"text":"That's okay.","start":1645.685,"end":1646.3251,"sentiment":"neutral","sentiment_score":0.03824514336884022},{"text":"That's absolutely fine.","start":1646.3251,"end":1647.6051,"sentiment":"neutral","sentiment_score":0.23728546500205994},{"text":"Thank you for updating those details there.","start":1647.6051,"end":1650.185,"sentiment":"positive","sentiment_score":0.3975005660738264},{"text":"I had down here so we were looking at originally your goal of retirement or accessing your super.","start":1651.1901,"end":1658.49,"sentiment":"neutral","sentiment_score":0.05430022989296251},{"text":"Just double checking.","start":1658.9501,"end":1660.01,"sentiment":"neutral","sentiment_score":0.017722301185131073}],"sentiment":"neutral","sentiment_score":0.13943702078452616,"num_words":33,"start":1645.685,"end":1660.01},{"sentences":[{"text":"Around about age 67, is that still technically your goal for being able to access super?","start":1660.39,"end":1666.355,"sentiment":"neutral","sentiment_score":0.00718478291946667},{"text":"Yep.","start":1669.615,"end":1669.9349,"sentiment":"neutral","sentiment_score":0.03388283774256706},{"text":"Yep.","start":1669.9349,"end":1670.335,"sentiment":"neutral","sentiment_score":0.04687080904841423},{"text":"That's okay.","start":1670.335,"end":1671.155,"sentiment":"neutral","sentiment_score":0.1169685386121273},{"text":"Beautiful.","start":1671.455,"end":1671.955,"sentiment":"neutral","sentiment_score":0.22395724058151245}],"sentiment":"neutral","sentiment_score":0.03112402339562929,"num_words":21,"start":1660.39,"end":1671.955},{"sentences":[{"text":"So, realistically, just double checking.","start":1673.0549,"end":1675.9349,"sentiment":"neutral","sentiment_score":0.055995278805494306},{"text":"So you're 63 this year.","start":1675.9349,"end":1678.015,"sentiment":"neutral","sentiment_score":0.017706838436424732},{"text":"Is that right?","start":1678.015,"end":1678.9149,"sentiment":"neutral","sentiment_score":0.0228498720874389},{"text":"'63 now.","start":1680.52,"end":1681.5801,"sentiment":"neutral","sentiment_score":0.004985925275832415},{"text":"Yeah.","start":1681.88,"end":1682.38,"sentiment":"neutral","sentiment_score":0.029815636575222015}],"sentiment":"neutral","sentiment_score":0.029802980599924922,"num_words":16,"start":1673.0549,"end":1682.38},{"sentences":[{"text":"That's okay.","start":1683.0,"end":1683.9,"sentiment":"neutral","sentiment_score":0.04433212801814079},{"text":"I was just doing some quick math with the date of birth.","start":1684.52,"end":1687.3401,"sentiment":"neutral","sentiment_score":0.025882151598731678},{"text":"So '67 for a time.","start":1688.6001,"end":1691.5801,"sentiment":"neutral","sentiment_score":0.026392854005098342},{"text":"Beautiful.","start":1691.88,"end":1692.38,"sentiment":"neutral","sentiment_score":0.1974666714668274},{"text":"'63 now.","start":1692.6001,"end":1693.8201,"sentiment":"neutral","sentiment_score":0.05877349339425564}],"sentiment":"neutral","sentiment_score":0.038464909250086006,"num_words":22,"start":1683.0,"end":1693.8201},{"sentences":[{"text":"Essentially giving you about four years until you're wanting to access super.","start":1694.295,"end":1698.135,"sentiment":"neutral","sentiment_score":0.04052087292075157},{"text":"Am I on the right track with that?","start":1698.135,"end":1699.995,"sentiment":"neutral","sentiment_score":0.05636571021750569},{"text":"Yep.","start":1702.2151,"end":1702.6151,"sentiment":"neutral","sentiment_score":0.11048609018325806},{"text":"Beautiful.","start":1702.6151,"end":1703.1151,"sentiment":"neutral","sentiment_score":0.2268265038728714},{"text":"And does does your partner work as well?","start":1703.3351,"end":1705.8151,"sentiment":"neutral","sentiment_score":0.04268945753574371}],"sentiment":"neutral","sentiment_score":0.05386681370437145,"num_words":30,"start":1694.295,"end":1705.8151},{"sentences":[{"text":"Does Alicia work?","start":1705.8151,"end":1707.035,"sentiment":"neutral","sentiment_score":0.008905401763816675},{"text":"Okay.","start":1709.97,"end":1710.47,"sentiment":"neutral","sentiment_score":-0.005755105521529913},{"text":"Okay.","start":1713.89,"end":1714.39,"sentiment":"neutral","sentiment_score":0.0671539455652237},{"text":"No worries.","start":1714.61,"end":1715.25,"sentiment":"neutral","sentiment_score":0.06147034093737602},{"text":"So she wouldn't have much super.","start":1715.25,"end":1717.01,"sentiment":"neutral","sentiment_score":-0.034048071751991905}],"sentiment":"neutral","sentiment_score":0.0005205612844572618,"num_words":13,"start":1705.8151,"end":1717.01},{"sentences":[{"text":"So in retirement, it's sort of your super and age pension accessibility.","start":1717.01,"end":1721.19,"sentiment":"neutral","sentiment_score":0.032719766876349844},{"text":"Is that right?","start":1721.49,"end":1722.55,"sentiment":"neutral","sentiment_score":0.08656300107638042},{"text":"Okay.","start":1738.5599,"end":1738.96,"sentiment":"neutral","sentiment_score":0.06613091379404068},{"text":"That's alright.","start":1738.96,"end":1739.7799,"sentiment":"neutral","sentiment_score":0.1937485933303833},{"text":"Not a problem.","start":1739.84,"end":1740.5599,"sentiment":"positive","sentiment_score":0.3568588197231293}],"sentiment":"neutral","sentiment_score":0.10364432216045402,"num_words":21,"start":1717.01,"end":1740.5599},{"sentences":[{"text":"Just so I've got a bit of an idea.","start":1740.5599,"end":1742.1799,"sentiment":"neutral","sentiment_score":0.2613303280538983},{"text":"Because when I go back and sort of look at changing your investment for you, I can project forward over the next sort of four years to look at where we might be able to end up.","start":1742.32,"end":1752.135,"sentiment":"neutral","sentiment_score":0.23499806547487104},{"text":"And what that looks like, you know, with age pension eligibility.","start":1752.215,"end":1755.435,"sentiment":"neutral","sentiment_score":0.1687989370389418},{"text":"So it's something that I definitely look at when we get closer.","start":1755.655,"end":1759.035,"sentiment":"neutral","sentiment_score":0.2672953320046266},{"text":"And when you actually retire and wanna access super at 57, I can help you with the age pension side of things as well and look at how to access age pension, but then how to supplement with what's super you have to try and make it last as long as possible for you.","start":1759.335,"end":1774.29,"sentiment":"neutral","sentiment_score":0.18601426206253194}],"sentiment":"neutral","sentiment_score":0.21265043754403185,"num_words":123,"start":1740.5599,"end":1774.29},{"sentences":[{"text":"Okay.","start":1774.5901,"end":1775.0901,"sentiment":"neutral","sentiment_score":0.07263287901878357},{"text":"Yeah.","start":1775.87,"end":1776.37,"sentiment":"neutral","sentiment_score":0.0964842364192009},{"text":"Yeah.","start":1777.9501,"end":1778.27,"sentiment":"neutral","sentiment_score":0.15421950817108154},{"text":"All good.","start":1778.27,"end":1779.0901,"sentiment":"neutral","sentiment_score":0.3149600625038147},{"text":"The only other thing I don't have on here, do you happen to know Alicia's phone number off by heart?","start":1782.455,"end":1787.515,"sentiment":"neutral","sentiment_score":-0.017974381055682897}],"sentiment":"neutral","sentiment_score":0.023750765100121498,"num_words":25,"start":1774.5901,"end":1787.515},{"sentences":[{"text":"No.","start":1790.855,"end":1791.355,"sentiment":"neutral","sentiment_score":-0.08322398364543915},{"text":"Yeah.","start":1791.99,"end":1792.15,"sentiment":"neutral","sentiment_score":-0.000910148024559021},{"text":"That's okay.","start":1792.15,"end":1792.71,"sentiment":"neutral","sentiment_score":0.040859121829271317},{"text":"It's just the next of kin.","start":1792.71,"end":1793.75,"sentiment":"neutral","sentiment_score":0.027775411494076252},{"text":"I've got Alicia down as next of kin for you.","start":1793.75,"end":1795.91,"sentiment":"neutral","sentiment_score":0.06438134163618088}],"sentiment":"neutral","sentiment_score":0.040402499865740536,"num_words":20,"start":1790.855,"end":1795.91},{"sentences":[{"text":"I just need to update the phone number.","start":1795.91,"end":1797.51,"sentiment":"neutral","sentiment_score":0.00845478498376906},{"text":"We won't call her for any reason.","start":1797.51,"end":1799.11,"sentiment":"neutral","sentiment_score":-0.11029150549854551},{"text":"It's more just if we can't get a hold of you, it's just giving her a call to see, you know, how we how we catch you.","start":1799.11,"end":1805.11,"sentiment":"neutral","sentiment_score":-0.011851394066104182},{"text":"That's all.","start":1805.11,"end":1805.93,"sentiment":"neutral","sentiment_score":0.0035708329523913562},{"text":"Yes.","start":1812.745,"end":1813.145,"sentiment":"neutral","sentiment_score":0.020313728600740433}],"sentiment":"neutral","sentiment_score":-0.022154100086643463,"num_words":45,"start":1795.91,"end":1813.145},{"sentences":[{"text":"Yes.","start":1813.145,"end":1813.645,"sentiment":"neutral","sentiment_score":0.023114196956157684},{"text":"Yep.","start":1823.32,"end":1823.82,"sentiment":"neutral","sentiment_score":0.0071172891184687614},{"text":"Yep.","start":1826.6,"end":1827.1,"sentiment":"neutral","sentiment_score":0.008104996755719185},{"text":"Yep.","start":1829.96,"end":1830.46,"sentiment":"neutral","sentiment_score":0.011369719170033932},{"text":"Beautiful.","start":1833.685,"end":1834.165,"sentiment":"positive","sentiment_score":0.4583665132522583}],"sentiment":"neutral","sentiment_score":0.10161454305052757,"num_words":5,"start":1813.145,"end":1834.165},{"sentences":[{"text":"Thank you so much for updating that.","start":1834.165,"end":1836.005,"sentiment":"positive","sentiment_score":0.6513104098183768},{"text":"Appreciate it.","start":1836.005,"end":1837.0651,"sentiment":"positive","sentiment_score":0.5721730887889862},{"text":"The the other thing down the track, at the moment, given your super balance is a little bit lower, there are other strategies that we can kinda put in place down the track, like trends through a time a time and strategies and things like that.","start":1838.405,"end":1851.09,"sentiment":"neutral","sentiment_score":0.026106703378584072},{"text":"I don't know if that would really work at the moment, but your balance is a little bit lower.","start":1851.3099,"end":1855.49,"sentiment":"neutral","sentiment_score":-0.07238653655114927},{"text":"But down the track, if that works out for you, are you open to other strategies and maybe adding more money into super, like salary sacrifice and things like that to kinda boost your super.","start":1856.11,"end":1865.605,"sentiment":"neutral","sentiment_score":0.18604492779288972}],"sentiment":"neutral","sentiment_score":0.11046473100918149,"num_words":109,"start":1834.165,"end":1865.605},{"sentences":[{"text":"Are you open to or you're finding it's not really possible?","start":1865.605,"end":1868.5851,"sentiment":"neutral","sentiment_score":-0.1343450979752974},{"text":"Later.","start":1873.285,"end":1873.785,"sentiment":"neutral","sentiment_score":-0.008025683462619781},{"text":"No.","start":1874.245,"end":1874.485,"sentiment":"neutral","sentiment_score":-0.06480328738689423},{"text":"That's okay.","start":1874.485,"end":1875.045,"sentiment":"neutral","sentiment_score":0.060253867879509926},{"text":"That's not a problem at all.","start":1875.045,"end":1876.245,"sentiment":"neutral","sentiment_score":0.151872298369805}],"sentiment":"neutral","sentiment_score":-0.024708739171425503,"num_words":21,"start":1865.605,"end":1876.245},{"sentences":[{"text":"I can sort of hold off those additional strategies to later right now.","start":1876.245,"end":1880.04,"sentiment":"neutral","sentiment_score":0.04605347491227663},{"text":"Just look at, you know, maneuvering your investors a little bit and trying to give you a super a bit more of a boost that way.","start":1880.04,"end":1886.12,"sentiment":"neutral","sentiment_score":0.2532207856957729},{"text":"Okay.","start":1886.12,"end":1886.62,"sentiment":"neutral","sentiment_score":0.20106014609336853},{"text":"Excellent.","start":1889.475,"end":1889.975,"sentiment":"positive","sentiment_score":0.7096157670021057},{"text":"And the last thing I just wanted to do with you there is just to go through an updated risk profile just to make sure you are invested in the correct portfolio there and just to see whether I need to reduce or look at your risk level as well.","start":1890.035,"end":1901.335,"sentiment":"neutral","sentiment_score":0.09659140057861805}],"sentiment":"neutral","sentiment_score":0.14200748949424252,"num_words":91,"start":1876.245,"end":1901.335},{"sentences":[{"text":"The just a sorry.","start":1901.61,"end":1905.71,"sentiment":"neutral","sentiment_score":-0.03121710615232587},{"text":"You're right.","start":1905.9299,"end":1906.67,"sentiment":"neutral","sentiment_score":-0.0026237182319164276},{"text":"Mhmm.","start":1910.17,"end":1910.67,"sentiment":"neutral","sentiment_score":0.013921888545155523},{"text":"Yeah.","start":1922.025,"end":1922.425,"sentiment":"neutral","sentiment_score":0.05672860145568848},{"text":"Would you like me to incorporate that into the advice to show you what that might look like?","start":1922.425,"end":1927.0651,"sentiment":"neutral","sentiment_score":0.09053415432572365}],"sentiment":"neutral","sentiment_score":0.06039036179964359,"num_words":26,"start":1901.61,"end":1927.0651},{"sentences":[{"text":"I could always recommend to change the investment portfolio.","start":1927.0651,"end":1931.6901,"sentiment":"neutral","sentiment_score":0.041690479757057294},{"text":"Did you want me to incorporate maybe adding some salary sacrifice in there and showing you what that could do long term?","start":1931.91,"end":1938.49,"sentiment":"neutral","sentiment_score":0.045483975163237614},{"text":"Yep.","start":1940.7101,"end":1941.2101,"sentiment":"neutral","sentiment_score":0.11682675778865814},{"text":"There I could always do it two ways, but I could look at what's beneficial for you to kind of boost your super as much as possible, or I could start with a certain level that you're comfortable with.","start":1941.5549,"end":1950.9349,"sentiment":"neutral","sentiment_score":0.20945948305038306},{"text":"Is there an amount that you'd be comfortable starting to salary sacrifice to give you super boost, or did you want me just to recommend, you know, the best option to kind of build on that?","start":1950.995,"end":1960.9401,"sentiment":"neutral","sentiment_score":0.12995743937790394}],"sentiment":"neutral","sentiment_score":0.13401940360526057,"num_words":107,"start":1927.0651,"end":1960.9401},{"sentences":[{"text":"Yep.","start":1966.68,"end":1967.0,"sentiment":"neutral","sentiment_score":0.1790832132101059},{"text":"That's okay.","start":1967.0,"end":1967.74,"sentiment":"neutral","sentiment_score":0.27806776762008667},{"text":"Not a problem.","start":1967.88,"end":1968.78,"sentiment":"neutral","sentiment_score":0.3051065852244695},{"text":"I'll have a look at the options.","start":1969.515,"end":1971.215,"sentiment":"neutral","sentiment_score":0.200153255036899},{"text":"You were a while ago sort of saving between 50 to $200 per week.","start":1972.155,"end":1977.355,"sentiment":"neutral","sentiment_score":0.13988558469074114}],"sentiment":"neutral","sentiment_score":0.18555590648342063,"num_words":27,"start":1966.68,"end":1977.355},{"sentences":[{"text":"Did you want me to kinda keep it within that range so it doesn't look like I'm overextending your expenditure much?","start":1977.355,"end":1983.6,"sentiment":"neutral","sentiment_score":0.13565456654344285},{"text":"Yes.","start":1986.0,"end":1986.32,"sentiment":"neutral","sentiment_score":0.2254924178123474},{"text":"Okay.","start":1986.32,"end":1986.72,"sentiment":"positive","sentiment_score":0.3728702664375305},{"text":"Beautiful.","start":1986.72,"end":1987.22,"sentiment":"positive","sentiment_score":0.6333457231521606},{"text":"I'll look at the options there and see what we can do.","start":1987.28,"end":1989.44,"sentiment":"positive","sentiment_score":0.39582644402980804}],"sentiment":"neutral","sentiment_score":0.24528810092144543,"num_words":36,"start":1977.355,"end":1989.44},{"sentences":[{"text":"We can always start smaller and build on that as well, but I'll recommend something to sort of show you how to build super as much we can over the next four years there for you.","start":1989.44,"end":1999.115,"sentiment":"positive","sentiment_score":0.36770524746841854},{"text":"Okay?","start":1999.115,"end":1999.615,"sentiment":"neutral","sentiment_score":0.19114689528942108},{"text":"Fantastic.","start":2002.235,"end":2002.735,"sentiment":"positive","sentiment_score":0.7157357931137085},{"text":"Excellent.","start":2003.115,"end":2003.615,"sentiment":"positive","sentiment_score":0.6632232069969177},{"text":"Just with the risk profile question, I've answered most of the questions pretty well for you already.","start":2004.395,"end":2009.375,"sentiment":"neutral","sentiment_score":0.27263935699182396}],"sentiment":"positive","sentiment_score":0.34718506916293074,"num_words":56,"start":1989.44,"end":2009.375},{"sentences":[{"text":"The next the the first one I wanna kinda ask you is about inflation.","start":2010.155,"end":2014.1799,"sentiment":"neutral","sentiment_score":0.03294929063745907},{"text":"So it says inflation means that things are getting more expensive over time, which makes our money worth less.","start":2014.24,"end":2019.7,"sentiment":"neutral","sentiment_score":-0.0160512812435627},{"text":"How much risk are you comfortable taking in order to make sure your returns are keeping up with inflation?","start":2020.1599,"end":2025.62,"sentiment":"neutral","sentiment_score":0.037425194523836434},{"text":"So when you think about your super, are you comfortable taking a higher level of risk to try and get the best returns you possibly can, or are you comfortable taking a moderate or medium amount of risk to trying to get the best returns you can, or are you realistically not comfortable taking risk to knowing returns are lower?","start":2026.2649,"end":2045.26,"sentiment":"neutral","sentiment_score":0.0003717439870039623},{"text":"Where would you see yourself bidding?","start":2045.26,"end":2046.96,"sentiment":"neutral","sentiment_score":-0.0003478461876511574}],"sentiment":"neutral","sentiment_score":0.007522135452067448,"num_words":118,"start":2010.155,"end":2046.96},{"sentences":[{"text":"In the middle?","start":2051.7249,"end":2052.545,"sentiment":"neutral","sentiment_score":0.004126515239477158},{"text":"Yep.","start":2052.685,"end":2053.185,"sentiment":"neutral","sentiment_score":0.08365190029144287},{"text":"Beautiful.","start":2053.2449,"end":2053.7449,"sentiment":"neutral","sentiment_score":0.21432563662528992},{"text":"Yep.","start":2054.845,"end":2055.165,"sentiment":"neutral","sentiment_score":0.1006181463599205},{"text":"That's okay.","start":2055.165,"end":2055.9849,"sentiment":"neutral","sentiment_score":0.1160721704363823}],"sentiment":"neutral","sentiment_score":0.08038994623348117,"num_words":8,"start":2051.7249,"end":2055.9849},{"sentences":[{"text":"The next one here is how would sorry.","start":2056.525,"end":2059.085,"sentiment":"neutral","sentiment_score":-0.10544075723737478},{"text":"You're right.","start":2059.085,"end":2059.825,"sentiment":"neutral","sentiment_score":-0.03350899834185839},{"text":"Yeah.","start":2066.72,"end":2067.2,"sentiment":"neutral","sentiment_score":0.06908886879682541},{"text":"Absolutely.","start":2067.2,"end":2067.7,"sentiment":"neutral","sentiment_score":0.08404509723186493},{"text":"The next one here is saying if you look at your super in the next six months and it had fallen by 20% due to what was happening in the market globally, how would you be feeling?","start":2068.72,"end":2078.42,"sentiment":"neutral","sentiment_score":-0.03723122944702973}],"sentiment":"neutral","sentiment_score":-0.043570726083553564,"num_words":49,"start":2056.525,"end":2078.42},{"sentences":[{"text":"Are you maybe excited about the investment opportunity, wanna put some more money into it?","start":2079.095,"end":2084.315,"sentiment":"neutral","sentiment_score":0.015640697379906972},{"text":"Are you a bit nervous maybe calling us and talking it through and seeing what we can do to help or what's happening?","start":2084.4548,"end":2090.315,"sentiment":"neutral","sentiment_score":-0.08260632678866386},{"text":"Or are you likely to want to submit the loss and sell the investments to cash?","start":2090.9348,"end":2096.8098,"sentiment":"neutral","sentiment_score":-0.11552613181993365},{"text":"How do you think you might be feeling?","start":2097.03,"end":2098.8098,"sentiment":"neutral","sentiment_score":-0.0288475378183648},{"text":"What to do?","start":2111.9749,"end":2112.955,"sentiment":"neutral","sentiment_score":-0.046880691001812615}],"sentiment":"neutral","sentiment_score":-0.05977193138633783,"num_words":65,"start":2079.095,"end":2112.955},{"sentences":[{"text":"Yep.","start":2113.815,"end":2114.295,"sentiment":"neutral","sentiment_score":0.07727089524269104},{"text":"Yep.","start":2114.295,"end":2114.795,"sentiment":"neutral","sentiment_score":0.1524888575077057},{"text":"Absolutely.","start":2114.935,"end":2115.435,"sentiment":"positive","sentiment_score":0.41873663663864136},{"text":"The next one here is a bit of a bizarre one, but it is worth asking.","start":2117.015,"end":2120.4749,"sentiment":"neutral","sentiment_score":0.08516012667678297},{"text":"What kind of average rate of return are you hoping to achieve from your portfolio?","start":2120.935,"end":2126.17,"sentiment":"neutral","sentiment_score":0.10514839341243108}],"sentiment":"neutral","sentiment_score":0.10553777404129505,"num_words":34,"start":2113.815,"end":2126.17},{"sentences":[{"text":"Are you, one, hoping to get the best return you possibly can each year, the 8% and above?","start":2127.27,"end":2133.05,"sentiment":"neutral","sentiment_score":0.16017348360684183},{"text":"Are you too comfortable with the moderate six to 8%?","start":2133.51,"end":2136.695,"sentiment":"neutral","sentiment_score":-0.055855071544647215},{"text":"Are you comfortable with the conservative four to 6%, or are you comfortable just getting two to 4% per year compounding that forward?","start":2136.7551,"end":2144.455,"sentiment":"neutral","sentiment_score":0.010078356965728428},{"text":"The yep.","start":2151.41,"end":2152.63,"sentiment":"neutral","sentiment_score":0.0609857551753521},{"text":"Yep.","start":2153.17,"end":2153.67,"sentiment":"neutral","sentiment_score":0.21460746228694916}],"sentiment":"neutral","sentiment_score":0.053573206894927554,"num_words":54,"start":2127.27,"end":2153.67},{"sentences":[{"text":"Perfect.","start":2153.89,"end":2154.39,"sentiment":"positive","sentiment_score":0.5470796227455139},{"text":"And the second last one oh, so the last one here is have you ever considered borrowing money from a bank or financial institution to invest in shares or manage funds, or have you only ever been comfortable borrowing the same property?","start":2155.8098,"end":2170.975,"sentiment":"neutral","sentiment_score":0.010319557528765429},{"text":"No.","start":2177.435,"end":2177.935,"sentiment":"neutral","sentiment_score":-0.12779396772384644},{"text":"Just for your own home, really?","start":2177.995,"end":2179.5352,"sentiment":"neutral","sentiment_score":-0.06643610820174217},{"text":"Yes.","start":2181.75,"end":2182.07,"sentiment":"neutral","sentiment_score":0.15036863088607788}],"sentiment":"neutral","sentiment_score":0.011852138292263536,"num_words":51,"start":2153.89,"end":2182.07},{"sentences":[{"text":"That's okay.","start":2182.07,"end":2182.9502,"sentiment":"neutral","sentiment_score":0.29582004249095917},{"text":"Perfect.","start":2182.9502,"end":2183.4502,"sentiment":"positive","sentiment_score":0.5078088045120239},{"text":"Now with where you scored at the moment, you have scored as more of a moderate investor.","start":2184.3901,"end":2189.05,"sentiment":"neutral","sentiment_score":0.20260866161654978},{"text":"Now the portfolio you're in in your super is more balanced growth.","start":2189.6702,"end":2194.725,"sentiment":"neutral","sentiment_score":0.2397331806520621},{"text":"So, typically, you see about six sorry.","start":2194.8052,"end":2198.0051,"sentiment":"neutral","sentiment_score":0.14561563464147703}],"sentiment":"neutral","sentiment_score":0.21640778839206085,"num_words":39,"start":2182.07,"end":2198.0051},{"sentences":[{"text":"70% of your super invested in growth assets.","start":2198.0051,"end":2201.0452,"sentiment":"neutral","sentiment_score":0.11587016005069017},{"text":"These are things like Australian shares, international shares, gold and silver, so precious metals, and also fixed property.","start":2201.0452,"end":2208.5051,"sentiment":"neutral","sentiment_score":0.13939911789364284},{"text":"And then the other generally 30% invested in low risk defensive assets, so cash, bonds, fixed interest.","start":2209.78,"end":2217.08,"sentiment":"neutral","sentiment_score":0.12963316414286108},{"text":"That balance growth environment suits someone who's got about five years before they're accessing their funds.","start":2217.62,"end":2224.84,"sentiment":"neutral","sentiment_score":0.16868769261054695},{"text":"You can be in that a little bit longer if you you know, if you're four years out, that's absolutely fine if you're comfortable with that.","start":2225.135,"end":2231.4749,"sentiment":"neutral","sentiment_score":-0.02234906739053818}],"sentiment":"neutral","sentiment_score":0.09126866497099399,"num_words":85,"start":2198.0051,"end":2231.4749},{"sentences":[{"text":"The likelihood of an you're right.","start":2232.095,"end":2234.175,"sentiment":"neutral","sentiment_score":-0.2714445839325587},{"text":"The likelihood of a negative return is about one in every six years, and the expected rate of return is around about six to 8% on a yearly basis compounding forward.","start":2234.175,"end":2244.56,"sentiment":"neutral","sentiment_score":-0.2937716389856031},{"text":"With where you are, depending on how you feel, if you're you have about four years, so you're wanting to access your super realistically.","start":2245.58,"end":2254.625,"sentiment":"neutral","sentiment_score":0.04605931978827963},{"text":"So I would normally be wanting to kind of move you down to more of a conservative sort of portfolio.","start":2254.9248,"end":2261.105,"sentiment":"neutral","sentiment_score":0.00018248390406370164},{"text":"But given that your balance is a little bit lower, are you sort of wanting to hold on to where you are and try and get a bit more growth to build on that, or are you feeling a bit nervous about the market and maybe wanting to reduce your risk level and drop down a bit?","start":2261.4048,"end":2276.09,"sentiment":"neutral","sentiment_score":-0.07801047657011893}],"sentiment":"neutral","sentiment_score":-0.10197907335975248,"num_words":138,"start":2232.095,"end":2276.09},{"sentences":[{"text":"How are you sort of feeling?","start":2276.09,"end":2277.39,"sentiment":"neutral","sentiment_score":-0.05791424525280794},{"text":"Yeah.","start":2281.645,"end":2282.145,"sentiment":"neutral","sentiment_score":-0.008276156149804592},{"text":"So the next portfolio down is the balanced environment, and we drop at the risk level by about 10%.","start":2282.605,"end":2289.4849,"sentiment":"neutral","sentiment_score":-0.0036323513639600655},{"text":"So we end up about 60% invested in those growth assets, so the shares and the property and the metal, and then about 40% in low risk defensive investments, so cash, bond, fixed interest.","start":2289.4849,"end":2303.1501,"sentiment":"neutral","sentiment_score":0.051220195696634406},{"text":"This one afraid to return, that feels a bit more comfortable?","start":2303.9302,"end":2306.9902,"sentiment":"neutral","sentiment_score":-0.02105398763987151}],"sentiment":"neutral","sentiment_score":0.015283330789649151,"num_words":71,"start":2276.09,"end":2306.9902},{"sentences":[{"text":"Yep.","start":2307.795,"end":2308.295,"sentiment":"neutral","sentiment_score":0.122356578707695},{"text":"Beautiful.","start":2309.875,"end":2310.375,"sentiment":"positive","sentiment_score":0.5974454879760742},{"text":"Excellent.","start":2310.595,"end":2311.095,"sentiment":"positive","sentiment_score":0.6014910340309143},{"text":"So part of your soup part of your super statement of advice, I'll go back and I'll reduce your risk a little bit to the balanced environment.","start":2311.155,"end":2319.815,"sentiment":"neutral","sentiment_score":0.27079949114057755},{"text":"I'll keep your Australian super open for a bit longer to keep your insurances in place.","start":2320.035,"end":2324.43,"sentiment":"neutral","sentiment_score":0.25487562641501427}],"sentiment":"neutral","sentiment_score":0.2763236822641414,"num_words":46,"start":2307.795,"end":2324.43},{"sentences":[{"text":"I'll factor in some salary sacrifice for you as well, and I'll look at how we're going towards age 67 and project it in a little bit of Centrelink for you as well.","start":2325.21,"end":2336.1848,"sentiment":"neutral","sentiment_score":0.1369920920467738},{"text":"Does that sound okay?","start":2336.1848,"end":2337.385,"sentiment":"neutral","sentiment_score":0.12191787548363209},{"text":"Are you comfortable with me doing all that?","start":2337.385,"end":2339.4849,"sentiment":"neutral","sentiment_score":0.07748914696276188},{"text":"Yep.","start":2341.305,"end":2341.785,"sentiment":"neutral","sentiment_score":0.2083091139793396},{"text":"Beautiful.","start":2341.785,"end":2342.285,"sentiment":"positive","sentiment_score":0.540594756603241}],"sentiment":"neutral","sentiment_score":0.13568569331410082,"num_words":47,"start":2325.21,"end":2342.285},{"sentences":[{"text":"This is all part of your ongoing service agreement, so there's no additional fees with advice.","start":2342.665,"end":2348.04,"sentiment":"positive","sentiment_score":0.3673247806727886},{"text":"This is just the advice I'm providing to help you along and make sure your super is working at its best so you get the best out of your retirement.","start":2348.04,"end":2356.06,"sentiment":"positive","sentiment_score":0.4574329247077306},{"text":"Okay?","start":2356.36,"end":2356.86,"sentiment":"neutral","sentiment_score":0.200007364153862},{"text":"That's okay.","start":2359.7349,"end":2360.4749,"sentiment":"neutral","sentiment_score":0.3201362043619156},{"text":"Do you have any questions for me?","start":2360.535,"end":2362.135,"sentiment":"neutral","sentiment_score":0.1370514397110258}],"sentiment":"positive","sentiment_score":0.3821397157652037,"num_words":56,"start":2342.665,"end":2362.135},{"sentences":[{"text":"Is there anything that I might not have touched on that might be important for you today or anything I've missed or you need more clarification on?","start":2362.135,"end":2369.675,"sentiment":"neutral","sentiment_score":0.08515597824697141},{"text":"Beautiful.","start":2373.91,"end":2374.41,"sentiment":"positive","sentiment_score":0.4971014261245727},{"text":"All good.","start":2374.55,"end":2375.11,"sentiment":"positive","sentiment_score":0.42688216269016266},{"text":"Well, I will get stuck into that document there.","start":2375.11,"end":2377.35,"sentiment":"neutral","sentiment_score":0.1416511908173561},{"text":"It does take a couple of weeks to put the advice together.","start":2377.35,"end":2379.75,"sentiment":"neutral","sentiment_score":0.11289469959835212}],"sentiment":"neutral","sentiment_score":0.12313086817077562,"num_words":51,"start":2362.135,"end":2379.75},{"sentences":[{"text":"So once I've got it together, my team will come back and let you know.","start":2379.75,"end":2384.17,"sentiment":"neutral","sentiment_score":0.147491309295098},{"text":"In the meantime, if you can sign that annual review documents and grab them back to us, that would be fantastic.","start":2385.19,"end":2390.395,"sentiment":"neutral","sentiment_score":0.29593810013362337},{"text":"We sort of need to make sure that we have the annual agreement on file so that we can keep providing advice and looking after you.","start":2390.775,"end":2397.095,"sentiment":"neutral","sentiment_score":0.23173851118637964},{"text":"But if you find you have any questions, Michael, you're welcome to let me know.","start":2397.095,"end":2400.855,"sentiment":"neutral","sentiment_score":0.20838412195444106},{"text":"Okay?","start":2400.855,"end":2401.355,"sentiment":"neutral","sentiment_score":0.18299977481365204}],"sentiment":"neutral","sentiment_score":0.22770554663088077,"num_words":78,"start":2379.75,"end":2401.355},{"sentences":[{"text":"Beautiful.","start":2404.91,"end":2405.41,"sentiment":"positive","sentiment_score":0.7853233218193054},{"text":"Thank you so much for that.","start":2405.63,"end":2406.75,"sentiment":"positive","sentiment_score":0.8386691510677338},{"text":"I'll talk to you in a couple of weeks, and we'll go through the advice document nice and clearly.","start":2406.75,"end":2410.67,"sentiment":"positive","sentiment_score":0.6005928218364716},{"text":"And in the meantime, if there's anything you need, please let me know.","start":2410.67,"end":2413.55,"sentiment":"neutral","sentiment_score":0.3276796375329678},{"text":"I'm more than happy to make extra time.","start":2413.55,"end":2415.73,"sentiment":"positive","sentiment_score":0.7589375525712967}],"sentiment":"positive","sentiment_score":0.5863816500344174,"num_words":47,"start":2404.91,"end":2415.73},{"sentences":[{"text":"And thank you so much for taking my call this afternoon.","start":2416.355,"end":2418.835,"sentiment":"positive","sentiment_score":0.795422228899869},{"text":"I know you've had a long day.","start":2418.835,"end":2420.115,"sentiment":"neutral","sentiment_score":0.21093555007662093},{"text":"Probably itching to get home.","start":2420.115,"end":2421.7349,"sentiment":"neutral","sentiment_score":-0.013546495139598847},{"text":"Thanks, Michael.","start":2424.755,"end":2425.555,"sentiment":"positive","sentiment_score":0.7507615685462952},{"text":"Enjoy your afternoon.","start":2425.555,"end":2426.6948,"sentiment":"positive","sentiment_score":0.7515201171239217}],"sentiment":"positive","sentiment_score":0.496948013614331,"num_words":28,"start":2416.355,"end":2426.6948},{"sentences":[{"text":"Talk to you soon.","start":2426.755,"end":2427.655,"sentiment":"positive","sentiment_score":0.568037211894989},{"text":"Thanks.","start":2429.555,"end":2429.9548,"sentiment":"positive","sentiment_score":0.6197141408920288},{"text":"See you later.","start":2429.9548,"end":2430.6948,"sentiment":"neutral","sentiment_score":0.29350292434295017}],"sentiment":"positive","sentiment_score":0.4715464701876044,"num_words":8,"start":2426.755,"end":2430.6948}]}}]},{"alternatives":[{"transcript":"Hello? Good. Busy. Yep. Alright. Alright. What was that? I missed that. Yeah. In a minute. I just gotta get to my car. I'm just leaving. In a couple of minutes. I was doing someone else's job today, but I'm just leaving a little bit later. Someone yeah. Someone someone was sick, so I filled in. Yeah. Something like that. Probably probably for the love of it. Yeah. Actually, it worried me because the tech says something about must have been not far about 06:30. That's pretty late for them. Yeah. Alright. Alright. Let me see what I can do. Yep. Alright. Yeah. It's it's it's Michael with X. '26 to the fourth nineteen sixty three. Camilo WA. Is that all? Can't think of an account. Yeah. I've got you're Dana? Yeah. Yeah. I've got your I've got your email in front of me now. Yeah. Yeah. Alright. Yeah. What did you want me to find? Sorry. I was just trying to read your part of it. Yeah. Good. A I have your own signed document. You will you will I'm bringing up. No. It's just got a location now. Allow while using this site? Probably. Oh, there it is. Summary of twentieth of August '26. Oh, ninety seven thousand then. Yes. Yeah. Yeah. Yeah. Yeah. Sounds good. Yeah. Yeah. You never know when you're gonna need it. Yeah. We'll do that. I think of roughly no one that I understand. It's because the the the the insurance part of it normally covers you if you're injured or not work or something like that or not. Yeah. If you like. Alicia Jack. Yeah. Yeah. Yeah. That's right. Yeah. Yes, please. The last one, I think, would be alright. Yeah. There's nothing there's nothing all the time. Yeah. It's 25. Yep. Okay. That sounds good. Yeah. Yeah. Yeah. Might as well be. Yeah. Yeah. Okay. That's good. Yep. Yeah. Alright. Yes. Yes. Yes. No. No. I'm I'm I'm sitting here looking at the the checkup with all the all the figures that I know. Yeah. Yes. Yeah. Yeah. Yeah. No worries. What what can you replace it with? Yeah. Alright. Yep. Yeah. That sounds good. Yeah. No. Yeah. Remove that. Yeah. Remove that now. That's when go somewhere. I'll find something that's more reliable. Yes. Yeah. No. Yes. No. I've never disappeared. Yeah. Sounds good. No. That's fine. That's that's that's good stuff. That's all I need to know. Yeah. I I wouldn't understand it all anyway. Yes. Yeah. No. That's rough. Yeah. Yeah. Yeah. No. No. No. That's not right with me. Yeah. Yeah. Some people don't agree with you. Yeah. You'd have to ask the wife about that. She she she yeah. She looks after all the the financial things and doing that sort of thing. It it is a little bit tough. As far as I know, it's going up, but I I'm not too sure what it what it's sitting at. It's it's sitting at a friend of mine was going through things when we were looking at renovate for I don't know what reason. And at our property, possibly, if we sold it tomorrow, which we wouldn't or something like 700,000 or something like that. Something crazy. Yeah. But that's yeah. Yeah. But but they're all over to me because that's like what was one thing you remark about is another thing you're selling it. It's just yeah. You gotta you gotta find yeah. You gotta find a flyer. So yeah. That does that does it. It's all good on paper, but it doesn't always work out. A little bit. I can't remember what it was now. Even we have puppies are very close to it, I think. You know how the interest works. It's terrible. Yeah. Yeah. I I think it is lower than that, but I I wouldn't I wouldn't like to say it without checking it. Yeah. Yeah. We've got two cars. One one's a Dodge Journey 2016. I think it's I think it's roughly but it's just over $10,000 when we bought it about two, three years ago. And the one I'm the one I'm seeing at the moment, it's a it's a Dodge caliber, and it's probably worth probably worth I think I paid 7,000 on it. So it's probably worth about probably 6.5, maybe 5. No. No. No. They're out. Yeah. What we do what we do is pay the insurance and the registration. Yeah. No. We sold that. Yeah. Yeah. That's the one. Yeah. No credit card. Nothing comes to mind substantially. Right? Yeah. Yeah. At the moment. Yeah. I tried. Yeah. That's better. No. She's at home. She's she's a care for one of our children. Yeah. Yeah. I I don't know how how I think it went because she's worked for a little while. I think it's if if they didn't take a look on it, she's she's only got a probably a tiny little month amount in somewhere. Anyway. Yeah. No. But I can get it to you. Yeah. Yeah. Are you still there? I thought I thought I thought I thought I thought I thought I thought the wrong button there. It's it's Alicia's phone number is 04 24 3384 882. Yep. Yeah. We have to discuss that later though at the moment. Yeah. Yep. Alright. K. You you know you know what you could do about what that last thing you talked about? Could you send me something a basic outline of how much would it be beneficial to salary sacrifice to make a difference or whatever? Yeah. Yeah. Yeah. We did just just recommend because I'd have to really talk to the wife about that first. Yes. I'm alright then. Yep. Alright. In the in the Modbus one. Okay. Not too yeah. Not not not too excessive, but at the same time, not not being too cautious. Okay. Oh, I'm not too sure. I'll be I'll be contacting you just to see what what the best move to go. The middle one, I think. 6% Neither really. Yeah. Yeah. Yeah. It sounds. Yeah. Probably drop down a little bit. Yeah. That's it. Yeah. Yeah. That one. Yep. Yes. Yep. Alright. Thank you. No. I'm not real I think I'm good with everything. Yep. I'll have a look at it. Yep. Yep. No worries. Thanks for that. You too. 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Good. Busy. Yep. Alright.\n\nAlright. What was that? I missed that. Yeah. In a minute.\n\nI just gotta get to my car. I'm just leaving. In a couple of minutes. I was doing someone else's job today, but I'm just leaving a little bit later. Someone yeah.\n\nSomeone someone was sick, so I filled in. Yeah. Something like that. Probably probably for the love of it. Yeah.\n\nActually, it worried me because the tech says something about must have been not far about 06:30. That's pretty late for them. Yeah. Alright. Alright.\n\nLet me see what I can do. Yep. Alright. Yeah. It's it's it's Michael with X.\n\n'26 to the fourth nineteen sixty three. Camilo WA. Is that all? Can't think of an account. Yeah.\n\nI've got you're Dana? Yeah. Yeah. I've got your I've got your email in front of me now. Yeah.\n\nYeah. Alright. Yeah. What did you want me to find? Sorry.\n\nI was just trying to read your part of it. Yeah. Good. A I have your own signed document. You will you will I'm bringing up.\n\nNo. It's just got a location now. Allow while using this site? Probably. Oh, there it is.\n\nSummary of twentieth of August '26. Oh, ninety seven thousand then. Yes. Yeah. Yeah.\n\nYeah. Yeah. Sounds good. Yeah. Yeah.\n\nYou never know when you're gonna need it. Yeah. We'll do that. I think of roughly no one that I understand. It's because the the the the insurance part of it normally covers you if you're injured or not work or something like that or not.\n\nYeah. If you like. Alicia Jack. Yeah. Yeah.\n\nYeah. That's right. Yeah. Yes, please. The last one, I think, would be alright.\n\nYeah. There's nothing there's nothing all the time. Yeah. It's 25. Yep.\n\nOkay. That sounds good. Yeah. Yeah. Yeah.\n\nMight as well be. Yeah. Yeah. Okay. That's good.\n\nYep. Yeah. Alright. Yes. Yes.\n\nYes. No. No. I'm I'm I'm sitting here looking at the the checkup with all the all the figures that I know. Yeah.\n\nYes. Yeah. Yeah. Yeah. No worries.\n\nWhat what can you replace it with? Yeah. Alright. Yep. Yeah.\n\nThat sounds good. Yeah. No. Yeah. Remove that.\n\nYeah. Remove that now. That's when go somewhere. I'll find something that's more reliable. Yes.\n\nYeah. No. Yes. No. I've never disappeared.\n\nYeah. Sounds good. No. That's fine. That's that's that's good stuff.\n\nThat's all I need to know. Yeah. I I wouldn't understand it all anyway. Yes. Yeah.\n\nNo. That's rough. Yeah. Yeah. Yeah.\n\nNo. No. No. That's not right with me. Yeah.\n\nYeah. Some people don't agree with you. Yeah. You'd have to ask the wife about that. She she she yeah.\n\nShe looks after all the the financial things and doing that sort of thing. It it is a little bit tough. As far as I know, it's going up, but I I'm not too sure what it what it's sitting at. It's it's sitting at a friend of mine was going through things when we were looking at renovate for I don't know what reason. And at our property, possibly, if we sold it tomorrow, which we wouldn't or something like 700,000 or something like that.\n\nSomething crazy. Yeah. But that's yeah. Yeah. But but they're all over to me because that's like what was one thing you remark about is another thing you're selling it.\n\nIt's just yeah. You gotta you gotta find yeah. You gotta find a flyer. So yeah. That does that does it.\n\nIt's all good on paper, but it doesn't always work out. A little bit. I can't remember what it was now. Even we have puppies are very close to it, I think. You know how the interest works.\n\nIt's terrible. Yeah. Yeah. I I think it is lower than that, but I I wouldn't I wouldn't like to say it without checking it. Yeah.\n\nYeah. We've got two cars. One one's a Dodge Journey 2016. I think it's I think it's roughly but it's just over $10,000 when we bought it about two, three years ago. And the one I'm the one I'm seeing at the moment, it's a it's a Dodge caliber, and it's probably worth probably worth I think I paid 7,000 on it.\n\nSo it's probably worth about probably 6.5, maybe 5. No. No. No. They're out.\n\nYeah. What we do what we do is pay the insurance and the registration. Yeah. No. We sold that.\n\nYeah. Yeah. That's the one. Yeah. No credit card.\n\nNothing comes to mind substantially. Right? Yeah. Yeah. At the moment.\n\nYeah. I tried. Yeah. That's better. No.\n\nShe's at home. She's she's a care for one of our children. Yeah. Yeah. I I don't know how how I think it went because she's worked for a little while.\n\nI think it's if if they didn't take a look on it, she's she's only got a probably a tiny little month amount in somewhere. Anyway. Yeah. No. But I can get it to you.\n\nYeah. Yeah. Are you still there? I thought I thought I thought I thought I thought I thought I thought the wrong button there. It's it's Alicia's phone number is 04 24 3384 882.\n\nYep. Yeah. We have to discuss that later though at the moment. Yeah. Yep.\n\nAlright. K. You you know you know what you could do about what that last thing you talked about? Could you send me something a basic outline of how much would it be beneficial to salary sacrifice to make a difference or whatever? Yeah.\n\nYeah. Yeah. We did just just recommend because I'd have to really talk to the wife about that first. Yes. I'm alright then.\n\nYep. Alright. In the in the Modbus one. Okay. Not too yeah.\n\nNot not not too excessive, but at the same time, not not being too cautious. Okay. Oh, I'm not too sure. I'll be I'll be contacting you just to see what what the best move to go. The middle one, I think.\n\n6% Neither really. Yeah. Yeah. Yeah. It sounds.\n\nYeah. Probably drop down a little bit. Yeah. That's it. Yeah.\n\nYeah. That one. Yep. Yes. Yep.\n\nAlright. Thank you. No. I'm not real I think I'm good with everything. Yep.\n\nI'll have a look at it. Yep. Yep. No worries. Thanks for that.\n\nYou too. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.32,"end":2.82,"sentiment":"neutral","sentiment_score":0.03359811380505562},{"text":"Good.","start":8.4,"end":8.9,"sentiment":"positive","sentiment_score":0.649577260017395},{"text":"Busy.","start":22.055,"end":22.555,"sentiment":"neutral","sentiment_score":0.2185427248477936},{"text":"Yep.","start":38.27,"end":38.77,"sentiment":"neutral","sentiment_score":0.08911560475826263},{"text":"Alright.","start":39.949997,"end":40.449997,"sentiment":"neutral","sentiment_score":0.06544651091098785}],"sentiment":"neutral","sentiment_score":0.21125604286789895,"num_words":5,"start":2.32,"end":40.449997},{"sentences":[{"text":"Alright.","start":45.045002,"end":45.285,"sentiment":"neutral","sentiment_score":0.018867459148168564},{"text":"What was that?","start":45.285,"end":45.515,"sentiment":"neutral","sentiment_score":0.0032285433262586594},{"text":"I missed 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sold it tomorrow, which we wouldn't or something like 700,000 or something like that.","start":1463.0,"end":1471.565,"sentiment":"neutral","sentiment_score":-0.11845624482347852}],"sentiment":"neutral","sentiment_score":-0.13720686469486978,"num_words":86,"start":1420.355,"end":1471.565},{"sentences":[{"text":"Something crazy.","start":1471.565,"end":1472.465,"sentiment":"neutral","sentiment_score":-0.11393454670906067},{"text":"Yeah.","start":1474.9249,"end":1475.325,"sentiment":"neutral","sentiment_score":0.10132819414138794},{"text":"But that's yeah.","start":1475.325,"end":1476.225,"sentiment":"neutral","sentiment_score":0.05983483170469602},{"text":"Yeah.","start":1476.525,"end":1476.765,"sentiment":"neutral","sentiment_score":0.012036193162202837},{"text":"But but they're all over to me because that's like what was one thing you remark about is another thing you're selling it.","start":1476.765,"end":1483.905,"sentiment":"neutral","sentiment_score":-0.04542364196284958}],"sentiment":"neutral","sentiment_score":-0.03265813253819942,"num_words":30,"start":1471.565,"end":1483.905},{"sentences":[{"text":"It's just yeah.","start":1484.98,"end":1486.7599,"sentiment":"neutral","sentiment_score":0.027541792020201683},{"text":"You gotta you gotta find yeah.","start":1487.94,"end":1489.46,"sentiment":"neutral","sentiment_score":-0.009070152416825294},{"text":"You gotta find a flyer.","start":1489.46,"end":1490.6799,"sentiment":"neutral","sentiment_score":0.027715469896793365},{"text":"So yeah.","start":1490.74,"end":1491.46,"sentiment":"neutral","sentiment_score":0.07525016739964485},{"text":"That does that does it.","start":1491.46,"end":1492.6599,"sentiment":"neutral","sentiment_score":0.15142237395048141}],"sentiment":"neutral","sentiment_score":0.05116161979025319,"num_words":21,"start":1484.98,"end":1492.6599},{"sentences":[{"text":"It's all good on paper, but it doesn't always work out.","start":1492.6599,"end":1495.3999,"sentiment":"neutral","sentiment_score":-0.0002620111812244768},{"text":"A little bit.","start":1507.6951,"end":1508.255,"sentiment":"neutral","sentiment_score":-0.07456112901369731},{"text":"I can't remember what it was now.","start":1508.255,"end":1509.87,"sentiment":"neutral","sentiment_score":-0.12485451038394656},{"text":"Even we have puppies are very close to it, I think.","start":1515.79,"end":1518.53,"sentiment":"neutral","sentiment_score":0.01858258569105105},{"text":"You know how the interest works.","start":1518.59,"end":1520.21,"sentiment":"neutral","sentiment_score":0.029607105689744156}],"sentiment":"neutral","sentiment_score":-0.01890778963110949,"num_words":38,"start":1492.6599,"end":1520.21},{"sentences":[{"text":"It's terrible.","start":1520.99,"end":1521.8099,"sentiment":"neutral","sentiment_score":-0.21217750757932663},{"text":"Yeah.","start":1528.525,"end":1528.845,"sentiment":"neutral","sentiment_score":0.015530059114098547},{"text":"Yeah.","start":1528.845,"end":1529.085,"sentiment":"neutral","sentiment_score":0.011480296030640602},{"text":"I I think it is lower than that, but I I wouldn't I wouldn't like to say it without checking it.","start":1529.085,"end":1533.345,"sentiment":"neutral","sentiment_score":-0.09355218584338824},{"text":"Yeah.","start":1545.86,"end":1546.1799,"sentiment":"neutral","sentiment_score":0.032567597925662994}],"sentiment":"neutral","sentiment_score":-0.08959126787690017,"num_words":26,"start":1520.99,"end":1546.1799},{"sentences":[{"text":"Yeah.","start":1546.1799,"end":1546.58,"sentiment":"neutral","sentiment_score":0.03972421959042549},{"text":"We've got two cars.","start":1546.58,"end":1547.62,"sentiment":"neutral","sentiment_score":0.02745004091411829},{"text":"One one's a Dodge Journey 2016.","start":1547.62,"end":1553.225,"sentiment":"neutral","sentiment_score":0.05815263402958711},{"text":"I think it's I think it's roughly but it's just over $10,000 when we bought it about two, three years ago.","start":1553.925,"end":1565.465,"sentiment":"neutral","sentiment_score":0.05893375764467886},{"text":"And the one I'm the one I'm seeing at the moment, it's a it's a Dodge caliber, and it's probably worth probably worth I think I paid 7,000 on it.","start":1566.48,"end":1577.52,"sentiment":"neutral","sentiment_score":0.00860355126981934}],"sentiment":"neutral","sentiment_score":0.032163800581568674,"num_words":62,"start":1546.1799,"end":1577.52},{"sentences":[{"text":"So it's probably worth about probably 6.5, maybe 5.","start":1577.52,"end":1582.195,"sentiment":"neutral","sentiment_score":0.011037241874469651},{"text":"No.","start":1586.5349,"end":1587.0349,"sentiment":"neutral","sentiment_score":-0.008247658610343933},{"text":"No.","start":1591.375,"end":1591.875,"sentiment":"neutral","sentiment_score":-0.1320018172264099},{"text":"No.","start":1592.015,"end":1592.335,"sentiment":"neutral","sentiment_score":-0.15924936532974243},{"text":"They're out.","start":1592.335,"end":1593.055,"sentiment":"neutral","sentiment_score":-0.10226158052682877}],"sentiment":"neutral","sentiment_score":-0.02890620181070907,"num_words":14,"start":1577.52,"end":1593.055},{"sentences":[{"text":"Yeah.","start":1593.055,"end":1593.555,"sentiment":"neutral","sentiment_score":0.002611227333545685},{"text":"What we do what we do is pay the insurance and the registration.","start":1594.62,"end":1597.76,"sentiment":"neutral","sentiment_score":0.049918180474868186},{"text":"Yeah.","start":1602.22,"end":1602.72,"sentiment":"neutral","sentiment_score":0.037623222917318344},{"text":"No.","start":1606.9401,"end":1607.26,"sentiment":"neutral","sentiment_score":-0.048008181154727936},{"text":"We sold that.","start":1607.26,"end":1608.135,"sentiment":"neutral","sentiment_score":-0.017134176567196846}],"sentiment":"neutral","sentiment_score":0.031040004503570105,"num_words":19,"start":1593.055,"end":1608.135},{"sentences":[{"text":"Yeah.","start":1621.735,"end":1622.055,"sentiment":"neutral","sentiment_score":0.026637202128767967},{"text":"Yeah.","start":1622.055,"end":1622.295,"sentiment":"neutral","sentiment_score":0.026714090257883072},{"text":"That's the one.","start":1622.295,"end":1623.06,"sentiment":"neutral","sentiment_score":0.03945043931404749},{"text":"Yeah.","start":1634.42,"end":1634.92,"sentiment":"neutral","sentiment_score":0.0027026617899537086},{"text":"No credit card.","start":1635.6201,"end":1636.76,"sentiment":"neutral","sentiment_score":-0.04382252941528956}],"sentiment":"neutral","sentiment_score":0.004770853763653172,"num_words":9,"start":1621.735,"end":1636.76},{"sentences":[{"text":"Nothing comes to mind substantially.","start":1641.775,"end":1644.1951,"sentiment":"neutral","sentiment_score":-0.05001402199268341},{"text":"Right?","start":1644.415,"end":1644.915,"sentiment":"neutral","sentiment_score":-0.009453218430280684},{"text":"Yeah.","start":1666.965,"end":1667.365,"sentiment":"neutral","sentiment_score":0.006656276993453503},{"text":"Yeah.","start":1667.365,"end":1667.605,"sentiment":"neutral","sentiment_score":0.004238814115524292},{"text":"At the moment.","start":1667.605,"end":1668.4249,"sentiment":"neutral","sentiment_score":0.002776010582844416}],"sentiment":"neutral","sentiment_score":-0.021845473230562427,"num_words":11,"start":1641.775,"end":1668.4249},{"sentences":[{"text":"Yeah.","start":1679.5249,"end":1680.0249,"sentiment":"neutral","sentiment_score":0.0057875653728842735},{"text":"I tried.","start":1680.11,"end":1680.6901,"sentiment":"neutral","sentiment_score":0.00025271717458963394},{"text":"Yeah.","start":1700.0751,"end":1700.395,"sentiment":"neutral","sentiment_score":0.06973659992218018},{"text":"That's better.","start":1700.395,"end":1701.295,"sentiment":"neutral","sentiment_score":0.11197580769658089},{"text":"No.","start":1707.56,"end":1707.88,"sentiment":"neutral","sentiment_score":-0.03918864205479622}],"sentiment":"neutral","sentiment_score":0.037256081854658465,"num_words":7,"start":1679.5249,"end":1707.88},{"sentences":[{"text":"She's at home.","start":1707.88,"end":1708.94,"sentiment":"neutral","sentiment_score":-0.01995804471274217},{"text":"She's she's a care for one of our children.","start":1709.48,"end":1712.78,"sentiment":"neutral","sentiment_score":0.05459325931345423},{"text":"Yeah.","start":1720.28,"end":1720.78,"sentiment":"neutral","sentiment_score":0.08419012278318405},{"text":"Yeah.","start":1723.215,"end":1723.715,"sentiment":"neutral","sentiment_score":0.005625622346997261},{"text":"I I don't know how how I think it went because she's worked for a little while.","start":1723.855,"end":1727.615,"sentiment":"neutral","sentiment_score":-0.06949310453937334}],"sentiment":"neutral","sentiment_score":-0.021293607495364644,"num_words":31,"start":1707.88,"end":1727.615},{"sentences":[{"text":"I think it's if if they didn't take a look on it, she's she's only got a probably a tiny little month amount in somewhere.","start":1727.615,"end":1737.075,"sentiment":"neutral","sentiment_score":-0.07375659987330437},{"text":"Anyway.","start":1737.135,"end":1737.635,"sentiment":"neutral","sentiment_score":-0.003258615732192993},{"text":"Yeah.","start":1775.09,"end":1775.59,"sentiment":"neutral","sentiment_score":0.0772521123290062},{"text":"No.","start":1789.475,"end":1789.9551,"sentiment":"neutral","sentiment_score":-0.05054630339145661},{"text":"But I can get it to you.","start":1789.9551,"end":1791.415,"sentiment":"neutral","sentiment_score":-0.044560029570545466}],"sentiment":"neutral","sentiment_score":-0.060925371732030595,"num_words":35,"start":1727.615,"end":1791.415},{"sentences":[{"text":"Yeah.","start":1802.0701,"end":1802.5701,"sentiment":"neutral","sentiment_score":0.003710996359586716},{"text":"Yeah.","start":1807.51,"end":1808.01,"sentiment":"neutral","sentiment_score":0.007306203246116638},{"text":"Are you still there?","start":1810.7251,"end":1811.865,"sentiment":"neutral","sentiment_score":-0.004502498544752598},{"text":"I thought I thought I thought I thought I thought I thought I thought the wrong button there.","start":1814.0851,"end":1816.8251,"sentiment":"neutral","sentiment_score":-0.03200067145129045},{"text":"It's it's Alicia's phone number is 04 24 3384 882.","start":1818.005,"end":1832.45,"sentiment":"neutral","sentiment_score":0.009070485923439264}],"sentiment":"neutral","sentiment_score":-0.014479412395945367,"num_words":34,"start":1802.0701,"end":1832.45},{"sentences":[{"text":"Yep.","start":1837.55,"end":1838.05,"sentiment":"neutral","sentiment_score":0.034606341272592545},{"text":"Yeah.","start":1869.795,"end":1870.035,"sentiment":"neutral","sentiment_score":-0.057124897837638855},{"text":"We have to discuss that later though at the moment.","start":1870.035,"end":1872.8551,"sentiment":"neutral","sentiment_score":-0.06152447517961264},{"text":"Yeah.","start":1886.69,"end":1887.19,"sentiment":"neutral","sentiment_score":0.22031894326210025},{"text":"Yep.","start":1887.73,"end":1887.97,"sentiment":"neutral","sentiment_score":0.27299928665161133}],"sentiment":"neutral","sentiment_score":-0.01031750560339008,"num_words":14,"start":1837.55,"end":1887.97},{"sentences":[{"text":"Alright.","start":1887.97,"end":1888.47,"sentiment":"positive","sentiment_score":0.5186062455177307},{"text":"K.","start":1902.265,"end":1902.765,"sentiment":"neutral","sentiment_score":-0.010361012071371078},{"text":"You you know you know what you could do about what that last thing you talked about?","start":1905.545,"end":1909.0851,"sentiment":"neutral","sentiment_score":-0.03320515846066615},{"text":"Could you send me something a basic outline of how much would it be beneficial to salary sacrifice to make a difference or whatever?","start":1909.27,"end":1920.97,"sentiment":"neutral","sentiment_score":0.002295039283732573},{"text":"Yeah.","start":1933.98,"end":1934.48,"sentiment":"neutral","sentiment_score":0.03307873010635376}],"sentiment":"neutral","sentiment_score":0.0007253911938856949,"num_words":44,"start":1887.97,"end":1934.48},{"sentences":[{"text":"Yeah.","start":1941.4275,"end":1941.9275,"sentiment":"neutral","sentiment_score":0.1453043967485428},{"text":"Yeah.","start":1961.275,"end":1961.435,"sentiment":"neutral","sentiment_score":0.021080609411001205},{"text":"We did just just recommend because I'd have to really talk to the wife about that first.","start":1961.435,"end":1965.65,"sentiment":"neutral","sentiment_score":0.2505303954376894},{"text":"Yes.","start":1984.085,"end":1984.3251,"sentiment":"neutral","sentiment_score":0.16194351017475128},{"text":"I'm alright then.","start":1984.3251,"end":1985.305,"sentiment":"neutral","sentiment_score":0.19907679160435995}],"sentiment":"neutral","sentiment_score":0.22541633102556932,"num_words":23,"start":1941.4275,"end":1985.305},{"sentences":[{"text":"Yep.","start":1999.8301,"end":2000.3301,"sentiment":"neutral","sentiment_score":0.22682321071624756},{"text":"Alright.","start":2000.47,"end":2000.97,"sentiment":"positive","sentiment_score":0.44870659708976746},{"text":"In the in the Modbus one.","start":2048.27,"end":2049.97,"sentiment":"neutral","sentiment_score":0.007286641979590058},{"text":"Okay.","start":2053.39,"end":2053.89,"sentiment":"neutral","sentiment_score":0.1186078116297722},{"text":"Not too yeah.","start":2056.575,"end":2060.735,"sentiment":"neutral","sentiment_score":-0.05728301281730334}],"sentiment":"neutral","sentiment_score":0.05550070273845146,"num_words":12,"start":1999.8301,"end":2060.735},{"sentences":[{"text":"Not not not too excessive, but at the same time, not not being too cautious.","start":2060.735,"end":2065.395,"sentiment":"neutral","sentiment_score":-0.06768897722164789},{"text":"Okay.","start":2065.615,"end":2066.115,"sentiment":"neutral","sentiment_score":0.03171928972005844},{"text":"Oh, I'm not too sure.","start":2101.05,"end":2103.15,"sentiment":"neutral","sentiment_score":-0.14283310920000075},{"text":"I'll be I'll be contacting you just to see what what the best move to go.","start":2108.33,"end":2113.415,"sentiment":"neutral","sentiment_score":-0.0668469708180055},{"text":"The middle one, I think.","start":2148.5251,"end":2149.8252,"sentiment":"neutral","sentiment_score":0.007439446821808815}],"sentiment":"neutral","sentiment_score":-0.06500321937104066,"num_words":42,"start":2060.735,"end":2149.8252},{"sentences":[{"text":"6% Neither really.","start":2150.2852,"end":2176.2852,"sentiment":"neutral","sentiment_score":-0.12170382651189963},{"text":"Yeah.","start":2180.1702,"end":2180.6702,"sentiment":"neutral","sentiment_score":0.08212770521640778},{"text":"Yeah.","start":2225.585,"end":2226.085,"sentiment":"neutral","sentiment_score":0.05448850989341736},{"text":"Yeah.","start":2231.83,"end":2232.07,"sentiment":"neutral","sentiment_score":-0.052886463701725006},{"text":"It sounds.","start":2232.07,"end":2232.82,"sentiment":"neutral","sentiment_score":-0.13221525400877}],"sentiment":"neutral","sentiment_score":-0.06822652951814234,"num_words":8,"start":2150.2852,"end":2232.82},{"sentences":[{"text":"Yeah.","start":2245.225,"end":2245.725,"sentiment":"neutral","sentiment_score":-0.03363952040672302},{"text":"Probably drop down a little bit.","start":2278.745,"end":2280.445,"sentiment":"neutral","sentiment_score":-0.09492150818308194},{"text":"Yeah.","start":2303.725,"end":2303.885,"sentiment":"neutral","sentiment_score":0.018124671652913097},{"text":"That's it.","start":2303.885,"end":2304.705,"sentiment":"neutral","sentiment_score":-0.004846331663429737},{"text":"Yeah.","start":2306.205,"end":2306.705,"sentiment":"neutral","sentiment_score":0.006899433210492134}],"sentiment":"neutral","sentiment_score":-0.05343973890624263,"num_words":11,"start":2245.225,"end":2306.705},{"sentences":[{"text":"Yeah.","start":2307.565,"end":2307.885,"sentiment":"neutral","sentiment_score":0.07670631259679794},{"text":"That one.","start":2307.885,"end":2308.545,"sentiment":"neutral","sentiment_score":0.16517236828804016},{"text":"Yep.","start":2325.26,"end":2325.76,"sentiment":"neutral","sentiment_score":0.10979961603879929},{"text":"Yes.","start":2339.895,"end":2340.395,"sentiment":"neutral","sentiment_score":0.149685800075531},{"text":"Yep.","start":2356.9102,"end":2357.295,"sentiment":"neutral","sentiment_score":0.12259306013584136}],"sentiment":"neutral","sentiment_score":0.13152158757050833,"num_words":6,"start":2307.565,"end":2357.295},{"sentences":[{"text":"Alright.","start":2357.775,"end":2357.9348,"sentiment":"neutral","sentiment_score":0.19974130392074585},{"text":"Thank you.","start":2357.9348,"end":2369.7148,"sentiment":"neutral","sentiment_score":0.1964958580210805},{"text":"No.","start":2370.255,"end":2370.4949,"sentiment":"neutral","sentiment_score":-0.15556782484054563},{"text":"I'm not real I think I'm good with everything.","start":2370.4949,"end":2372.595,"sentiment":"neutral","sentiment_score":-0.21840171019236246},{"text":"Yep.","start":2402.1,"end":2402.6,"sentiment":"neutral","sentiment_score":0.17982475459575653}],"sentiment":"neutral","sentiment_score":-0.0963303887152246,"num_words":14,"start":2357.775,"end":2402.6},{"sentences":[{"text":"I'll have a look at it.","start":2402.74,"end":2404.04,"sentiment":"neutral","sentiment_score":0.3116748183965683},{"text":"Yep.","start":2422.015,"end":2422.335,"sentiment":"neutral","sentiment_score":0.11983484029769896},{"text":"Yep.","start":2422.335,"end":2422.4949,"sentiment":"neutral","sentiment_score":0.1456325650215149},{"text":"No worries.","start":2422.4949,"end":2422.895,"sentiment":"neutral","sentiment_score":0.31889012455940247},{"text":"Thanks for that.","start":2422.895,"end":2423.6729,"sentiment":"positive","sentiment_score":0.732690672079722}],"sentiment":"positive","sentiment_score":0.38241296777358424,"num_words":13,"start":2402.74,"end":2423.6729},{"sentences":[{"text":"You too.","start":2427.993,"end":2428.5527,"sentiment":"positive","sentiment_score":0.37304939329624176},{"text":"Bye bye.","start":2428.5527,"end":2429.293,"sentiment":"neutral","sentiment_score":0.27443626523017883}],"sentiment":"neutral","sentiment_score":0.3237428292632103,"num_words":4,"start":2427.993,"end":2429.293}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Michael. It's Dana from OC Financial. How are you this afternoon?\n\nChannel 1: Good.\n\nChannel 0: That's good. I had you booked in to go through your annual review today. Is now still a good time there for you? Yes? Oh, good.\n\nHow's your day been so far?\n\nChannel 1: Busy.\n\nChannel 0: Yeah? All good. Well, I'll try not to take up too much of your time just to kinda go through things with you and see how everything's been going and look and see if there's some new advice that we need to provide there for you. I normally send you an a\n\nChannel 1: Yep.\n\nChannel 0: like, an annual review pack to use\n\nChannel 1: Alright.\n\nChannel 0: for your emails. Are you able to access those at all?\n\nChannel 1: Alright. What was that? I missed that.\n\nChannel 0: No. You're alright. I I normally send you, like, an annual review pass to your email to go through with me. Are you able to access your emails at the moment?\n\nChannel 1: Yeah. In a minute. I just gotta get to my car. I'm just leaving.\n\nChannel 0: Yeah. That's okay. No problem at all.\n\nChannel 1: In a couple\n\nChannel 0: I'll\n\nChannel 1: of minutes.\n\nChannel 0: just that's okay. You're absolutely fine.\n\nChannel 1: I was doing someone else's job today, but I'm just leaving\n\nChannel 0: Alright.\n\nChannel 1: a little bit later.\n\nChannel 0: No. That's you're absolutely fine, honestly. You're a good soul for\n\nChannel 1: Someone\n\nChannel 0: doing for doing their job.\n\nChannel 1: yeah. Someone someone was sick, so I\n\nChannel 0: You're a good soul, aren't you?\n\nChannel 1: filled\n\nChannel 0: Hopefully, you get paid overtime for that.\n\nChannel 1: in.\n\nChannel 0: Double time.\n\nChannel 1: Yeah. Something like that. Probably probably for the love of it.\n\nChannel 0: No. You're right.\n\nChannel 1: Yeah.\n\nChannel 0: That's okay. You're fine. No need to worry. I've got plenty of time. I'm here for you.\n\nIt's not an issue.\n\nChannel 1: Actually, it worried\n\nChannel 0: But\n\nChannel 1: me because the tech says something about must have been not far about 06:30. That's pretty late for them.\n\nChannel 0: yes. Yeah. It is. It's 06:30 my time.\n\nChannel 1: Yeah.\n\nChannel 0: No. You are honestly fine. You're fine. I generally work till seven Queensland\n\nChannel 1: Alright.\n\nChannel 0: time on a Thursday, but because you're in WA, when my team members asked me, I said, absolutely. It is fine. I will stay here and be here for you. Don't you worry. That's what you pay us for.\n\nChannel 1: Alright. Let me see what I can do.\n\nChannel 0: Yeah. You're right. If you find you can't access it, honestly, it's not a problem. I can go through things with you. It's just sometimes easier when you're looking at it.\n\nThat's all. Michael, just to kinda let you know before we go through and discuss anything personal, I do have to report our call moving forward with any and quality purposes. Are you comfortable with that?\n\nChannel 1: Yep.\n\nChannel 0: Yes. Beautiful. And just a little quick security check there for you as well. I just need you to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Alright. Yeah. It's it's it's Michael with X.\n\nChannel 0: Yep.\n\nChannel 1: '26 to the fourth nineteen sixty three.\n\nChannel 0: Yep.\n\nChannel 1: Camilo WA. Is that all? Can't think\n\nChannel 0: Yeah.\n\nChannel 1: of\n\nChannel 0: That's\n\nChannel 1: an account.\n\nChannel 0: actually fine. No. No. You did good. All good.\n\nChannel 1: Yeah. I've got you're Dana?\n\nChannel 0: Dana.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: That's\n\nChannel 1: I've\n\nChannel 0: the\n\nChannel 1: got\n\nChannel 0: one.\n\nChannel 1: your I've got your email in front of me now.\n\nChannel 0: Beautiful. So with that one there, if you open it up and press\n\nChannel 1: Yeah.\n\nChannel 0: on the sign button, it'll just take you through so you can view the document. But I will never ask you to sign anything you haven't read. So it won't ask you to sign anything until you've gone through those. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: Excellent.\n\nChannel 1: Alright.\n\nChannel 0: And the first document, when you are able to see it, it should say summary of superannuation and insurance there.\n\nChannel 1: Yeah.\n\nChannel 0: Can you see that? Is that working for you?\n\nChannel 1: What did you want me to find? Sorry. I was just\n\nChannel 0: The\n\nChannel 1: trying\n\nChannel 0: first document\n\nChannel 1: to read your part\n\nChannel 0: that\n\nChannel 1: of it.\n\nChannel 0: yeah, you're right. The first document that should show up should say summary of the renuation and insurances.\n\nChannel 1: Yeah. Good. A I\n\nChannel 0: Yep.\n\nChannel 1: have your own signed document. You\n\nChannel 0: Yep.\n\nChannel 1: will you will I'm bringing up.\n\nChannel 0: There should be a tab on the top of there. It might say sign document or sign here.\n\nChannel 1: No. It's just got a location now. Allow while using this site? Probably. Oh, there it is.\n\nSummary\n\nChannel 0: You got\n\nChannel 1: of\n\nChannel 0: it?\n\nChannel 1: twentieth of\n\nChannel 0: That's\n\nChannel 1: August\n\nChannel 0: the one.\n\nChannel 1: '26.\n\nChannel 0: Yes.\n\nChannel 1: Oh, ninety seven thousand then.\n\nChannel 0: Yeah. So we're sitting at 97,000 in Hub 24 there. $97,095.13. I want to get that 13¢ there.\n\nChannel 1: Yes. Yeah.\n\nChannel 0: And then in in Australian, so with the last research, we were able to get there. I'm currently showing 26,607 and 15¢ there. So I do wanna kinda move a little bit of money out of the screen super into Hub twenty four to make it kinda keep working for you. But I also kind of wanna update and change your portfolio a little bit as well because I had a bit of a look at things, and there's\n\nChannel 1: Yeah.\n\nChannel 0: definitely some changes we can make to kinda make things work a bit harder for you. Okay?\n\nChannel 1: Yeah. Yeah. Sounds good.\n\nChannel 0: The the insurance is on the bottom there. Now we've kinda kept those in place because that was more your comfort level. You still feel that they're appropriate. Are you still happy keeping those insurances in place that's still important for you to retain?\n\nChannel 1: Yeah. Yeah. You never know when you're\n\nChannel 0: Yep.\n\nChannel 1: gonna need it.\n\nChannel 0: Yeah. Absolutely. Now these insurances within Australia, they do get to the point where they do actually expire. Normally, income protection and PPD will expire first, and then life expires later down the track. That's why they kinda keep getting lower and lower values.\n\nBut for the time being, keeping them there for another year, if that's important to you, then we'll absolutely do that. Just making sure you're comfortable with that.\n\nChannel 1: Yeah. We'll do\n\nChannel 0: Yep. Beautiful. And just to kind of explain, with the insurances, do you understand\n\nChannel 1: that.\n\nChannel 0: how they work? Do you have any questions around the different types of cover, how they pay, what happens, or anything like that?\n\nChannel 1: I think of roughly no one that I understand. It's because\n\nChannel 0: Yeah.\n\nChannel 1: the the\n\nChannel 0: Did you want me to\n\nChannel 1: the the insurance part of it normally covers you if you're injured or not work or something like that or not.\n\nChannel 0: yeah. Yeah. Did you want me to give you a brief run through of the three different types of cover and how they work?\n\nChannel 1: Yeah. If\n\nChannel 0: No worries. So your life cover is very straightforward. It pays out\n\nChannel 1: you like.\n\nChannel 0: a a benefit in the event that you pass away. If you were to pass away based on the current level of cover you have, the 9,000 is paid out to your beneficiaries, but then your super balance is also paid out. So you've also got the $26,006.00 7 and 15¢, plus to have 24 balance and the 9,000 of life cover. So overall, the total death benefit you you have is a 132,702 and 28¢ there. Okay?\n\nIn the event of passing, and I'm sorry. These are terribly conversations to have, but in the event of passing, where is it that you want that money to be paid to? Who is your beneficiary that you would prefer to have that paid\n\nChannel 1: Alicia\n\nChannel 0: to?\n\nChannel 1: Jack.\n\nChannel 0: Lisa Jack. Beautiful. And she's yourself?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. So you have a binding in nomination. That essentially means that within Australian Super, that nomination has to be redone every three years. It is due to be done again next year, so I'll make sure that we have that completed for you prior to it being updated.\n\nBut\n\nChannel 1: Yeah.\n\nChannel 0: on your hub twenty on your hub twenty four super fund, you actually don't have a beneficiary nomination in place. So I do wanna make sure that that is updated, and we have that nomination made for you. So just confirming, you want a 100% of all your super to be paid to Alicia?\n\nChannel 1: Yeah. That's right.\n\nChannel 0: Yep. Beautiful. Are you comfortable with us prefilling that nomination for you to make it easier?\n\nChannel 1: Yeah. Yes, please.\n\nChannel 0: Yep. Beautiful. And just to confirm, so with twenty four, they actually have a couple of different nomination options for you. You can have a binding, like, the same as what you have on Australian Super, which means you just refill the document out every three years, or I can actually make it a binding non lasting nomination, which means you do it now. We leave it on file.\n\nI check it with you every year, and it only has to be updated if you wanna change the person that you're nominated. Which way would you prefer to go?\n\nChannel 1: The last one, I think, would be alright.\n\nChannel 0: Yeah. Yeah. We'll fill it out once and not have to again unless you just change your mind.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. The least amount of paperwork we have that you have to do probably is the best way to go.\n\nChannel 1: There's nothing there's nothing all the time.\n\nChannel 0: Absolutely. Fantastic. Not a problem. Well, I will get that sorted for you, get the team to send it out for you to be signed. Did you want it emailed or posted?\n\nWhat's the easiest or best option for you to have that signed and returned? I can do both if you would like.\n\nChannel 1: Yeah. It's 25.\n\nChannel 0: Yep. Yep. Beautiful. And then I'll get my team to follow it up for you as well to make sure that we can have that applied because the last thing I would want for you is something to happen, and that's super not to get to where you want it to be or for it to go through a probate process and make it difficult on Alicia. So I'll get\n\nChannel 1: Yep.\n\nChannel 0: that organized ASAP for you. Beautiful.\n\nChannel 1: Okay. That sounds good.\n\nChannel 0: Excellent. Now with TBD, that's total permanent disability, it pays out a benefit in the event that you're unable to ever go back to work again. So you've only got about 5,000 of cover there with TBD. But, again, given your age, you can actually you're not able to go back to work again, also access super. And because you're over 60, the TBD benefit and access to your super is all tax free.\n\nDo you\n\nChannel 1: Yeah.\n\nChannel 0: realistically have a disability benefit of about a 128,702? Okay?\n\nChannel 1: Yeah.\n\nChannel 0: Excellent. And then your income protection pays out a, technically, a monthly benefit in the event that you're unable to go back to work ever again. Income protection is generally important when we can't access super, but if anything happened, you were not able to go back to work because you're over 60, you can actually also access your super there. So income protection is still important for you to keep a bit longer. Is that right?\n\nChannel 1: Yeah. Might\n\nChannel 0: Yep. Yeah. That's absolutely fine.\n\nChannel 1: as\n\nChannel 0: You do as if you see on the bottom there, you do have\n\nChannel 1: well\n\nChannel 0: a waiting and benefit period on that income protection policy.\n\nChannel 1: be.\n\nChannel 0: So it means you just have to be off work for sixty days prior to you making a claim, and then\n\nChannel 1: Yeah.\n\nChannel 0: you can be on a claim for up to two years in the event that something was to happen. Okay.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: All\n\nChannel 1: That's\n\nChannel 0: good.\n\nChannel 1: good.\n\nChannel 0: All good. Yeah. You're not paying a great deal for it out of the Australian Superfund. You paid about $893 to keep those insurances in place for this year. That,\n\nChannel 1: Yep.\n\nChannel 0: obviously, the insurances do get less and less. So we'll keep kinda going through and checking with you each year. And whenever you're comfortable canceling them or when you feel you no longer need them again or if they just expire, then we can always look to consolidate your funds and put everything into hub twenty four. But for the moment, keeping Australians is important whilst you're wanting those insurance in place. Okay?\n\nChannel 1: Yeah. Alright.\n\nChannel 0: Excellent. All good. Now the next document in there is your performance report, and it just has hub 24. But it essentially shows for the last twelve months there, your super has returned a performance of 6.12% net or after fee. It isn't a bad\n\nChannel 1: Yes.\n\nChannel 0: return given your portfolio, but it is a bit lower because of the market ups and downs that we have sort of seen this year. But it's good that you have sort of come up with a 6% return. I did also have a little bit of a look at your super and the individual investment. I can sort of see some changes that realistically we should make. You do have one investment that is kind of underperforming a little bit at the moment, so I would like to maybe go back and maybe make some changes, a little bit updating your portfolio for you.\n\nAre you comfortable with me reviewing things and updating that for you?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yes. Beautiful. If you are looking at that second document, the the internal rate of return, it sounds like you're driving. Are you driving at the moment?\n\nChannel 1: No. No. I'm I'm I'm sitting here looking at the the checkup with all the all the figures\n\nChannel 0: No. That's\n\nChannel 1: that I know.\n\nChannel 0: you're okay. I just I could hear something ticking in the background. I thought I don't wanna be, you know, asking if you're looking at documents if or if you're driving. I don't wanna be unsafe at all. But if you're looking at that second document there, the performance of internal rate of return, on the first page, it outlines all the individual investments there that you have in your portfolio.\n\nThe first\n\nChannel 1: Yeah.\n\nChannel 0: one is the Benelong Australian Equities. That\n\nChannel 1: Yes.\n\nChannel 0: is giving you access to the Australian market, and that's the investment that realistically is not performing very well.\n\nChannel 1: Yeah.\n\nChannel 0: That investment manager, he it's more of an actively managed fund. So that investment manager is supposed to be trying to time the market and outperform against the market, but they haven't been able to do so. And\n\nChannel 1: Yeah.\n\nChannel 0: I sort of think given your time of life, it's not really worth you being in an investor that's underperforming. So I'd like to remove that out of your portfolio and replace that if you're comfortable with me doing it.\n\nChannel 1: Yeah. No worries. What what can you replace it with?\n\nChannel 0: So we have some passively managed investment options, which one of the biggest differences is that Benelmong Australian equity fund, that investment holds about 15 to 25 different investments within that portfolio. I can\n\nChannel 1: Yeah.\n\nChannel 0: replace it with, like, an Australian 200 fund, which is giving you access or exposure to the top 200 companies on the ASX. And that type of investment is giving you more diversification.\n\nChannel 1: Alright.\n\nChannel 0: It's also\n\nChannel 1: Yep.\n\nChannel 0: a cheaper investment. It's not actively managed. It's more of a passively managed fund. So the investment manager is just trying to stay invested in the market and changes the investments with the in with the index, so the a 200 index, essentially. That could also be a lower cost investment, so it might be cheaper to hold, which means that your fees could decrease, which would be good.\n\nChannel 1: Yeah. That sounds good.\n\nChannel 0: Yep. Yep. Beautiful. Excellent. The other investments in there have performed nicely.\n\nThe other ones, if you scroll down, you've got bank hybrids. These are more of a defensive investment. These are actually being phased out by the government. So I'm actually thinking I'd probably like to move that from your portfolio and replace it because\n\nChannel 1: Yeah.\n\nChannel 0: these bank hybrids are more of a complex kind of banking investment. The government's gonna phase them out over the next couple of years, so we either move them now or we wait till down the track when we have to remove them from your portfolio. So if I'm gonna\n\nChannel 1: No.\n\nChannel 0: make changes, I'd probably\n\nChannel 1: Yeah.\n\nChannel 0: do\n\nChannel 1: Remove\n\nChannel 0: that now.\n\nChannel 1: that. Yeah. Remove that\n\nChannel 0: Yeah.\n\nChannel 1: now. That's when\n\nChannel 0: Absolutely.\n\nChannel 1: go\n\nChannel 0: You've\n\nChannel 1: somewhere.\n\nChannel 0: got some\n\nChannel 1: I'll\n\nChannel 0: cyber sorry. What was that?\n\nChannel 1: find something that's more reliable.\n\nChannel 0: Yeah. Absolutely. You've also got cybersecurity in there, which has performed very nicely. The one underneath that with the ticket code Q o zed, that's the beta shares Raffi 200. That is giving you exposure to some 200 of the, you know, largest companies on the ASX market.\n\nIf\n\nChannel 1: Yes.\n\nChannel 0: you've also got physical gold, which has done really, really well as one of your best performers in your portfolio over the year. And then you've also got underneath that the s and p 500, and that's giving you exposure to some top 500 companies on The US market, which is, again, done really well over 10% for this year, so it's good to see.\n\nChannel 1: Yeah.\n\nChannel 0: You've also got the iCare Fios Plus. This is a lower risk investment, so it's giving you access to high income producing shares. It's done about 3%. Not great, but it's expected for this kind of investment. And then the last one there is the JPMorgan asset management fund.\n\nThat has done very, very well. That, again, is a bit of an actively managed fund, so it's utilizing JPMorgan's research team to kind of climb the market, pick investments that are doing really well. It has done very, very well for you. But the other thing I kinda wanted to check-in with you is when we look at risk in a portfolio, you you have, like, the risk where you have growth and defensive assets and that kind of risk factor, but you also have risk in active and passive managed funds. So where there's managed funds that the investment managers try to tie in the market and pick investments, you actually take a bit more risk to have those investments in there because if they time it wrong, if they don't pick the right investments, it can affect your portfolio.\n\nHaving passively managed funds can also reduce risk of your portfolio. Because of your age and stage and where you're at in life, would you like me to maybe alter the portfolio to reduce that risk and have it more passively managed, or do you wanna see some of that active management in there and comfortable taking a bit more risk in your portfolio? Does that\n\nChannel 1: No.\n\nChannel 0: make sense? And do you have questions?\n\nChannel 1: Yes. No. I've never disappeared.\n\nChannel 0: Reduce the risk. Yep. Beautiful. I can do that for you. We'll look at some passive funds.\n\nBeautiful. So that's sort of how your portfolio is performed. I've got some good ideas to remove those for you. But, realistically, in the last twelve months, the 6% return isn't bad for your portfolio, which is good. We just wanna keep building on that for you.\n\nOkay?\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Sounds good.\n\nChannel 0: Beautiful. Beautiful. The next couple of documents in there is the Vanguard index chart. Is this gives you an idea and a guide of how markets change and react over time? I'm kind of not gonna bore you and go through a lot of that.\n\nIt's just a bit of a guide. Did you wanna kind of go through the index chart and talk about how investments move and the different types of investment risks and things like that, or are you happy with what we've kinda gone through?\n\nChannel 1: No. That's fine. That's that's that's good\n\nChannel 0: That's\n\nChannel 1: stuff. That's all I need to know.\n\nChannel 0: that's okay. Not everyone's that interested in the investment side of things, so we keep adding there as a bit of a guide. It's a bit of a talking point. It's\n\nChannel 1: Yeah.\n\nChannel 0: all good.\n\nChannel 1: I I\n\nChannel 0: The\n\nChannel 1: wouldn't\n\nChannel 0: next\n\nChannel 1: understand\n\nChannel 0: document\n\nChannel 1: it all anyway.\n\nChannel 0: that's okay. You're fine. The next document in there is the financial service It's got that outlines everything about who we are, what we do, and how we do it. We've updated it recently as well, so it's got a lovely picture of me in there. I always tell people it's a pretty boring document.\n\nIf you have trouble sleeping one night, you could whip that one out and have a bit of a read. But, otherwise,\n\nChannel 1: Yes.\n\nChannel 0: it this is kind of a a legal document that allows everything about who we are as advisers. It has all of our licensing information there for you and all of our services as well. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: The last document on there is the ongoing service agreement for the next twelve months there. So you are on an ongoing service fee for our services for having us look after your super and continue to update the advice and work towards your goals there. It is 1.65% per annum. As of next year, our ongoing service fee structure changes a little bit. Essentially, we'll end up with a tiered structure.\n\nSo once your balance gets over 200,000, then the percentage drops a little bit until 500,000, and it continues to drop as your balance increases. We go into the next tier structure. So your balance will increase, and the next tier is a lower percentage fee. At the moment, it's not really gonna affect your super balance, but I wanna get you up there so you can kind of go through the tiered structure and reduce that percentage each time. But for now, it's just that 1.65%, and that is per annum.\n\nAnd it said deducted from your super account on a monthly basis in smaller monthly increments. Do you have any questions about how the fee structure works? Or\n\nChannel 1: No. That's rough.\n\nChannel 0: not beautiful. Beautiful. Well, once you've had a look through those documents, if you are comfortable to sign those, I will get you to sign and return them back. The last document as you are signing to them is the tax file opt in form. So it's essentially just letting you know that we hold your tax file number.\n\nWe do so we have to because we set your super account up.\n\nChannel 1: Yeah.\n\nChannel 0: But because\n\nChannel 1: Yeah.\n\nChannel 0: we are very security conscious, we just wanna let you know that we hold this personal information, how and why, and this document outlines that for you. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: Excellent. All good. Thank you so much for that. I'm just gonna run through and update a couple of details there with your circumstances currently just to make sure when I'm updating the advice that I have the correct information. Just checking income wise, we had you on about 70,000 per annum.\n\nAre you still on that have you had a pay rise?\n\nChannel 1: No. No. No. That's not right with me. Yeah.\n\nChannel 0: No? Oh, you'll worth more money than that, especially\n\nChannel 1: Yeah. Some people don't agree with you.\n\nChannel 0: today. Oh, I have to have a chat to them. I'll tell you what.\n\nChannel 1: Yeah.\n\nChannel 0: All good. So about 70,000 is correct. Is that right? Yes. Yes.\n\nThat's okay. We also were able to save on a weekly basis around about 50 to $200 per week depending on bills and expenses. Are you still finding that or you're sort of finding it harder to save at the moment?\n\nChannel 1: You'd have to ask the wife about that. She\n\nChannel 0: Not real\n\nChannel 1: she she\n\nChannel 0: sure.\n\nChannel 1: yeah. She looks after all the the financial things and doing that sort of thing. It it is a\n\nChannel 0: Yep.\n\nChannel 1: little bit\n\nChannel 0: That's\n\nChannel 1: tough.\n\nChannel 0: yeah. That's okay. That's not a problem at all. I've also got your main primary residence down. We had an asset value of about 3 oh, sorry.\n\nYeah. About 300,000. What kind of value would you put on your house now, do you think?\n\nChannel 1: As far as I know, it's going up, but I I'm not too sure what it what it's sitting at. It's it's sitting at a friend of mine was going through things when we were looking at renovate for I don't know what reason.\n\nChannel 0: Yeah.\n\nChannel 1: And at our property, possibly, if we sold it tomorrow, which we wouldn't or something like 700,000 or something like that. Something\n\nChannel 0: Mhmm.\n\nChannel 1: crazy.\n\nChannel 0: Yeah. Wow. That's crazy, isn't it?\n\nChannel 1: Yeah.\n\nChannel 0: It's great,\n\nChannel 1: But that's\n\nChannel 0: though.\n\nChannel 1: yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. But but they're all over to me because that's like what was one thing you remark about is another thing you're selling it. It's\n\nChannel 0: Yes. Yes. It's what\n\nChannel 1: just\n\nChannel 0: someone\n\nChannel 1: yeah.\n\nChannel 0: would pay for it. Yeah.\n\nChannel 1: You gotta you gotta find yeah. You gotta find a flyer. So yeah. That does that does it. It's all good on paper, but it doesn't always work out.\n\nChannel 0: Yeah. Absolutely. No. All good. With the loan on the property, we had you owing about a 120,000.\n\nHave you been able to reduce that recently in the last year?\n\nChannel 1: A little bit. I can't remember what it was now.\n\nChannel 0: No. That's okay. Would it be just under that 120 or around about\n\nChannel 1: Even we have puppies are very close to it, I think. You\n\nChannel 0: the same?\n\nChannel 1: know how the\n\nChannel 0: Yep.\n\nChannel 1: interest\n\nChannel 0: That's\n\nChannel 1: works.\n\nChannel 0: it.\n\nChannel 1: It's\n\nChannel 0: Yeah.\n\nChannel 1: terrible.\n\nChannel 0: That's okay. I'll just I I will just note a 120,000 and just say it should be a little bit lower than that.\n\nChannel 1: Yeah. Yeah. I I think it is lower than that, but I I wouldn't I wouldn't like to say it without checking it.\n\nChannel 0: That's okay. You're absolutely fine. Your car we had, it doesn't tell me what car it is, but an asset value of 8,000. Is that one of your cars you'd value close to that?\n\nChannel 1: Yeah. Yeah. We've got two cars. One one's a Dodge Journey 2016. I think it's I\n\nChannel 0: Yep.\n\nChannel 1: think it's roughly but it's just over $10,000 when we bought it\n\nChannel 0: Beautiful.\n\nChannel 1: about two, three years ago.\n\nChannel 0: Yep.\n\nChannel 1: And the one I'm the one I'm seeing at the moment, it's a it's a Dodge caliber, and it's probably\n\nChannel 0: Yep.\n\nChannel 1: worth probably worth I think I paid 7,000 on it. So it's probably\n\nChannel 0: Yep.\n\nChannel 1: worth about probably 6.5, maybe 5.\n\nChannel 0: Okay. Yep. Beautiful. And both those\n\nChannel 1: No.\n\nChannel 0: Dodge Dodge vehicles are debt free. You don't owe any money on them\n\nChannel 1: No.\n\nChannel 0: at all?\n\nChannel 1: No. They're out. Yeah.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: What we do\n\nChannel 0: I've also\n\nChannel 1: what\n\nChannel 0: got\n\nChannel 1: we do\n\nChannel 0: a\n\nChannel 1: is pay the insurance and the registration.\n\nChannel 0: yeah. Lovely. All the taxes.\n\nChannel 1: Yeah.\n\nChannel 0: I've also got a Hyundai Accent. Do you still have that vehicle?\n\nChannel 1: No. We sold that.\n\nChannel 0: Sold that one. Beautiful. And I've also got, I believe, another car down valued at 15,000, but I would say it's probably the other Dodge, the caliber that we just talked about then.\n\nChannel 1: Yeah. Yeah. That's the one.\n\nChannel 0: Yep. Yep. Beautiful. Fantastic. Thank you for updating that.\n\nDo you have any other debts or credit cards or anything else or any other assets you'd note down?\n\nChannel 1: Yeah. No credit card.\n\nChannel 0: No?\n\nChannel 1: Nothing comes to mind substantially. Right?\n\nChannel 0: No. That's okay. That's absolutely fine. Thank you for updating those details there. I had down here so we were looking at originally your goal of retirement or accessing your super.\n\nJust double checking. Around about age 67, is that still technically your goal for being able to access super?\n\nChannel 1: Yeah. Yeah. At the moment.\n\nChannel 0: Yep. Yep. That's okay. Beautiful. So, realistically, just double checking.\n\nSo you're 63 this year. Is that right?\n\nChannel 1: Yeah. I tried.\n\nChannel 0: '63 now. Yeah. That's okay. I was just doing some quick math with the date of birth. So '67 for a time.\n\nBeautiful. '63 now. Essentially giving you about four years until you're wanting to access super. Am I on the right track with that?\n\nChannel 1: Yeah. That's better.\n\nChannel 0: Yep. Beautiful. And does does your partner work as well? Does Alicia work?\n\nChannel 1: No. She's at home. She's\n\nChannel 0: Okay.\n\nChannel 1: she's a care for one of our children.\n\nChannel 0: Okay. No worries. So she wouldn't have much super. So in retirement, it's sort of your super and age pension\n\nChannel 1: Yeah.\n\nChannel 0: accessibility. Is that right?\n\nChannel 1: Yeah. I I don't know how how I think it went because she's worked for a little while. I think it's if if they didn't take a look on it, she's she's only got a probably a tiny little month amount in somewhere. Anyway.\n\nChannel 0: Okay. That's alright. Not a problem. Just so I've got a bit of an idea. Because when I go back and sort of look at changing your investment for you, I can project forward over the next sort of four years to look at where we might be able to end up.\n\nAnd what that looks like, you know, with age pension eligibility. So it's something that I definitely look at when we get closer. And when you actually retire and wanna access super at 57, I can help you with the age pension side of things as well and look at how to access age pension, but then how to supplement with what's super you have to try and make it last as long as possible for you. Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Yeah. All good. The only other thing I don't have on here, do you happen to know Alicia's phone number off by heart?\n\nChannel 1: No. But I can get it to\n\nChannel 0: No.\n\nChannel 1: you.\n\nChannel 0: Yeah. That's okay. It's just the next of kin. I've got Alicia down as next of kin for you. I just need to update the phone number.\n\nWe won't call her for any reason. It's more just if we can't get a hold of you, it's just\n\nChannel 1: Yeah.\n\nChannel 0: giving her a call to see, you know, how we how we catch you. That's all.\n\nChannel 1: Yeah. Are you still there?\n\nChannel 0: Yes. Yes.\n\nChannel 1: I thought I thought I thought I thought I thought I thought I thought the wrong button there. It's it's Alicia's phone number is 04\n\nChannel 0: Yep.\n\nChannel 1: 24\n\nChannel 0: Yep.\n\nChannel 1: 3384\n\nChannel 0: Yep.\n\nChannel 1: 882.\n\nChannel 0: Beautiful. Thank you so much for updating that. Appreciate it.\n\nChannel 1: Yep.\n\nChannel 0: The the other thing down the track, at the moment, given your super balance is a little bit lower, there are other strategies that we can kinda put in place down the track, like trends through a time a time and strategies and things like that. I don't know if that would really work at the moment, but your balance is a little bit lower. But down the track, if that works out for you, are you open to other strategies and maybe adding more money into super, like salary sacrifice and things like that to kinda boost your super. Are you open to or you're finding it's not really possible?\n\nChannel 1: Yeah. We have to discuss that later though at the moment.\n\nChannel 0: Later. No. That's okay. That's not a problem at all. I can sort of hold off those additional strategies to later right now.\n\nJust look at, you know, maneuvering your investors a little bit and trying to give you a super a bit more of a boost that way. Okay.\n\nChannel 1: Yeah. Yep. Alright.\n\nChannel 0: Excellent. And the last thing I just wanted to do with you there is just to go through an updated risk profile just to make sure you are invested in the correct portfolio there and just to see whether I need to reduce or look at your risk level as well. The\n\nChannel 1: K.\n\nChannel 0: just a sorry.\n\nChannel 1: You you know\n\nChannel 0: You're right.\n\nChannel 1: you know what you could do about what that last thing you talked about? Could you send me something\n\nChannel 0: Mhmm.\n\nChannel 1: a basic outline of how much would it be beneficial to salary sacrifice to make a difference or whatever?\n\nChannel 0: Yeah. Would you like me to incorporate that into the advice to show you what that might look like? I could always recommend to change the investment portfolio. Did you want me to incorporate maybe adding\n\nChannel 1: Yeah.\n\nChannel 0: some salary sacrifice in there and showing you what that could do long term? Yep.\n\nChannel 1: Yeah.\n\nChannel 0: There I could always do it two ways, but I could look at what's beneficial for you to kind of boost your super as much as possible, or I could start with a certain level that you're comfortable with. Is there an amount that you'd be comfortable starting to salary sacrifice to give you super boost, or did you want me just to recommend, you know, the best option to kind of build on that?\n\nChannel 1: Yeah. We did just just recommend because I'd have to really talk to the wife about that first.\n\nChannel 0: Yep. That's okay. Not a problem. I'll have a look at the options. You were a while ago sort of saving between 50 to $200 per week.\n\nDid you want me to kinda keep it within that range so it doesn't look like I'm overextending your expenditure much?\n\nChannel 1: Yes. I'm alright then.\n\nChannel 0: Yes. Okay. Beautiful. I'll look at the options there and see what we can do. We can always start smaller and build on that as well, but I'll recommend something to sort of show you how to build super as much we can over the next four years there for you.\n\nOkay?\n\nChannel 1: Yep. Alright.\n\nChannel 0: Fantastic. Excellent. Just with the risk profile question, I've answered most of the questions pretty well for you already. The next the the first one I wanna kinda ask you is about inflation. So it says inflation means that things are getting more expensive over time, which makes our money worth less.\n\nHow much risk are you comfortable taking in order to make sure your returns are keeping up with inflation? So when you think about your super, are you comfortable taking a higher level of risk to try and get the best returns you possibly can, or are you comfortable taking a moderate or medium amount of risk to trying to get the best returns you can, or are you realistically not comfortable taking risk to knowing returns are lower? Where would you see yourself bidding?\n\nChannel 1: In the in the Modbus one.\n\nChannel 0: In the middle? Yep. Beautiful.\n\nChannel 1: Okay.\n\nChannel 0: Yep. That's okay. The\n\nChannel 1: Not\n\nChannel 0: next\n\nChannel 1: too\n\nChannel 0: one here is how would sorry. You're right.\n\nChannel 1: yeah. Not not not too excessive, but at the same time, not not being too cautious. Okay.\n\nChannel 0: Yeah. Absolutely. The next one here is saying if you look at your super in the next six months and it had fallen by 20% due to what was happening in the market globally, how would you be feeling? Are you maybe excited about the investment opportunity, wanna put some more money into it? Are you a bit nervous maybe calling us and talking it through and seeing what we can do to help or what's happening?\n\nOr are you likely to want to submit the loss and sell the investments to cash? How do you think you might be feeling?\n\nChannel 1: Oh, I'm not too sure. I'll be I'll be contacting you just to see what what the best\n\nChannel 0: What\n\nChannel 1: move\n\nChannel 0: to do?\n\nChannel 1: to go.\n\nChannel 0: Yep. Yep. Absolutely. The next one here is a bit of a bizarre one, but it is worth asking. What kind of average rate of return are you hoping to achieve from your portfolio?\n\nAre you, one, hoping to get the best return you possibly can each year, the 8% and above? Are you too comfortable with the moderate six to 8%? Are you comfortable with the conservative four to 6%, or are you comfortable just getting two to 4% per year compounding that forward?\n\nChannel 1: The middle one, I think. 6%\n\nChannel 0: The yep. Yep. Perfect. And the second last one oh, so the last one here is have you ever considered borrowing money from a bank or financial institution to invest in shares or manage funds, or have you only ever been comfortable borrowing the same property?\n\nChannel 1: Neither really.\n\nChannel 0: No. Just for your own home, really?\n\nChannel 1: Yeah.\n\nChannel 0: Yes. That's okay. Perfect. Now with where you scored at the moment, you have scored as more of a moderate investor. Now the portfolio you're in in your super is more balanced growth.\n\nSo, typically, you see about six sorry. 70% of your super invested in growth assets. These are things like Australian shares, international shares, gold and silver, so precious metals, and also fixed property. And then the other generally 30% invested in low risk defensive assets, so cash, bonds, fixed interest. That balance growth environment suits someone who's got about five years before they're accessing their funds.\n\nYou can be\n\nChannel 1: Yeah.\n\nChannel 0: in that a little bit longer if you you know, if you're four years out, that's absolutely fine if you're comfortable with that.\n\nChannel 1: Yeah. It\n\nChannel 0: The\n\nChannel 1: sounds.\n\nChannel 0: likelihood of an you're right. The likelihood of a negative return is about one in every six years, and the expected rate of return is around about six to 8% on a yearly basis compounding forward.\n\nChannel 1: Yeah.\n\nChannel 0: With where you are, depending on how you feel, if you're you have about four years, so you're wanting to access your super realistically. So I would normally be wanting to kind of move you down to more of a conservative sort of portfolio. But given that your balance is a little bit lower, are you sort of wanting to hold on to where you are and try and get a bit more growth to build on that, or are you feeling a bit nervous about the market and maybe wanting to reduce your risk level and drop down a bit? How are you sort of feeling?\n\nChannel 1: Probably drop down a little bit.\n\nChannel 0: Yeah. So the next portfolio down is the balanced environment, and we drop at the risk level by about 10%. So we end up about 60% invested in those growth assets, so the shares and the property and the metal, and then about 40% in low risk defensive investments, so cash, bond, fixed interest.\n\nChannel 1: Yeah. That's\n\nChannel 0: This one\n\nChannel 1: it.\n\nChannel 0: afraid to return, that feels a bit\n\nChannel 1: Yeah.\n\nChannel 0: more comfortable?\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: That one.\n\nChannel 0: Beautiful. Excellent. So part of your soup part of your super statement of advice, I'll go back and I'll reduce your risk a little bit to the balanced environment. I'll keep your Australian super open for a bit longer to keep your insurances in place. I'll\n\nChannel 1: Yep.\n\nChannel 0: factor in some salary sacrifice for you as well, and I'll look at how we're going towards age 67 and project it in a little bit of Centrelink for you as well. Does that sound okay? Are you comfortable with me doing all that?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Beautiful. This is all part of your ongoing service agreement, so there's no additional fees with advice. This is just the advice I'm providing to help you along and make sure your super is working at its best so you get the best out of your retirement. Okay?\n\nChannel 1: Yep. Alright. Thank\n\nChannel 0: That's okay. Do you have any questions for me? Is there anything that I might not have touched on that might be important for you today or anything I've missed or you need more clarification on?\n\nChannel 1: you. No. I'm not real I think I'm good with everything.\n\nChannel 0: Beautiful. All good. Well, I will get stuck into that document there. It does take a couple of weeks to put the advice together. So once I've got it together, my team will come back and let you know.\n\nIn the meantime, if you can sign that annual review documents and grab them back to us, that would be fantastic. We sort of need to make sure that we have the annual agreement on file so that we can keep providing advice and looking after you. But if you find you have any questions, Michael, you're welcome to let me know. Okay?\n\nChannel 1: Yep. I'll have a look at it.\n\nChannel 0: Beautiful. Thank you so much for that. I'll talk to you in a couple of weeks, and we'll go through the advice document nice and clearly. And in the meantime, if there's anything you need, please let me know. I'm more than happy to make extra time.\n\nAnd thank you so much for taking my call this afternoon. I know you've had a long day. Probably itching to get home.\n\nChannel 1: Yep. Yep. No worries. Thanks for that.\n\nChannel 0: Thanks, Michael. Enjoy your afternoon. Talk to you soon.\n\nChannel 1: You too. Bye bye.\n\nChannel 0: Thanks. See you later.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.32,"end":2.82,"sentiment":"neutral","sentiment_score":0.03359811380505562}],"sentiment":"neutral","sentiment_score":0.03359811380505562,"channel":1,"num_words":1,"start":2.32,"end":2.82},{"sentences":[{"text":"Hi, Michael.","start":3.9199998,"end":4.64,"sentiment":"neutral","sentiment_score":0.16158418357372284},{"text":"It's Dana from OC Financial.","start":4.64,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.19599106907844543},{"text":"How are you this afternoon?","start":6.56,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.2704906165599823}],"sentiment":"neutral","sentiment_score":0.2212980662782987,"channel":0,"num_words":12,"start":3.9199998,"end":7.8599997},{"sentences":[{"text":"Good.","start":8.4,"end":8.9,"sentiment":"positive","sentiment_score":0.649577260017395}],"sentiment":"positive","sentiment_score":0.649577260017395,"channel":1,"num_words":1,"start":8.4,"end":8.9},{"sentences":[{"text":"That's good.","start":10.08,"end":10.8,"sentiment":"positive","sentiment_score":0.7400547862052917},{"text":"I had you booked in to go through your annual review today.","start":10.8,"end":13.28,"sentiment":"positive","sentiment_score":0.45099706451098126},{"text":"Is now still a good time there for you?","start":13.28,"end":15.375,"sentiment":"positive","sentiment_score":0.3880978259775374},{"text":"Yes?","start":18.175,"end":18.675,"sentiment":"neutral","sentiment_score":0.19280678033828735},{"text":"Oh, good.","start":18.895,"end":19.375,"sentiment":"neutral","sentiment_score":0.3312005400657654}],"sentiment":"positive","sentiment_score":0.43231394772346204,"channel":0,"num_words":26,"start":10.08,"end":19.375},{"sentences":[{"text":"How's your day been so far?","start":19.375,"end":21.154999,"sentiment":"neutral","sentiment_score":0.26944728444019955}],"sentiment":"neutral","sentiment_score":0.26944728444019955,"channel":0,"num_words":6,"start":19.375,"end":21.154999},{"sentences":[{"text":"Busy.","start":22.055,"end":22.555,"sentiment":"neutral","sentiment_score":0.2185427248477936}],"sentiment":"neutral","sentiment_score":0.2185427248477936,"channel":1,"num_words":1,"start":22.055,"end":22.555},{"sentences":[{"text":"Yeah?","start":23.455,"end":23.955,"sentiment":"neutral","sentiment_score":0.2220512479543686},{"text":"All good.","start":25.055,"end":25.715,"sentiment":"positive","sentiment_score":0.44440092146396637},{"text":"Well, I'll try not to take up too much of your time just to kinda go through things with you and see how everything's been going and look and see if there's some new advice that we need to provide there for you.","start":25.775,"end":35.13,"sentiment":"neutral","sentiment_score":0.13504543120777884},{"text":"I normally send you an a","start":35.99,"end":38.31,"sentiment":"neutral","sentiment_score":0.0750244992474715}],"sentiment":"neutral","sentiment_score":0.14169141592887732,"channel":0,"num_words":52,"start":23.455,"end":38.31},{"sentences":[{"text":"Yep.","start":38.27,"end":38.77,"sentiment":"neutral","sentiment_score":0.08911560475826263}],"sentiment":"neutral","sentiment_score":0.08911560475826263,"channel":1,"num_words":1,"start":38.27,"end":38.77},{"sentences":[{"text":"like, an annual review pack to use","start":38.47,"end":39.989998,"sentiment":"neutral","sentiment_score":0.08984970301389694}],"sentiment":"neutral","sentiment_score":0.08984970301389694,"channel":0,"num_words":7,"start":38.47,"end":39.989998},{"sentences":[{"text":"Alright.","start":39.949997,"end":40.449997,"sentiment":"neutral","sentiment_score":0.06544651091098785}],"sentiment":"neutral","sentiment_score":0.06544651091098785,"channel":1,"num_words":1,"start":39.949997,"end":40.449997},{"sentences":[{"text":"for your emails.","start":39.989998,"end":41.05,"sentiment":"neutral","sentiment_score":0.046614778538544975},{"text":"Are you able to access those at all?","start":41.27,"end":43.85,"sentiment":"neutral","sentiment_score":0.027016669046133757}],"sentiment":"neutral","sentiment_score":0.03236160799860954,"channel":0,"num_words":11,"start":39.989998,"end":43.85},{"sentences":[{"text":"Alright.","start":45.045002,"end":45.285,"sentiment":"neutral","sentiment_score":0.018867459148168564},{"text":"What was that?","start":45.285,"end":45.515,"sentiment":"neutral","sentiment_score":0.0032285433262586594},{"text":"I missed that.","start":45.515,"end":46.585,"sentiment":"neutral","sentiment_score":-0.05936174467206001}],"sentiment":"neutral","sentiment_score":-0.0213617349841765,"channel":1,"num_words":7,"start":45.045002,"end":46.585},{"sentences":[{"text":"No.","start":47.075,"end":47.315,"sentiment":"neutral","sentiment_score":-0.03902064263820648},{"text":"You're alright.","start":47.315,"end":47.975,"sentiment":"neutral","sentiment_score":0.02189204841852188},{"text":"I I normally send you, like, an annual review pass to your email to go through with me.","start":48.035,"end":51.555,"sentiment":"neutral","sentiment_score":0.08128968274427785},{"text":"Are you able to access your emails at the moment?","start":51.555,"end":53.975,"sentiment":"neutral","sentiment_score":0.02074309587478638}],"sentiment":"neutral","sentiment_score":0.05404544201108717,"channel":0,"num_words":31,"start":47.075,"end":53.975},{"sentences":[{"text":"Yeah.","start":55.77,"end":56.09,"sentiment":"neutral","sentiment_score":0.011544446460902693},{"text":"In a minute.","start":56.09,"end":56.57,"sentiment":"neutral","sentiment_score":-0.002884077529112498},{"text":"I just gotta get to my car.","start":56.57,"end":57.850002,"sentiment":"neutral","sentiment_score":-0.03326542941587312},{"text":"I'm just leaving.","start":57.850002,"end":58.670002,"sentiment":"neutral","sentiment_score":-0.017444494180381298}],"sentiment":"neutral","sentiment_score":-0.020164233898477896,"channel":1,"num_words":14,"start":55.77,"end":58.670002},{"sentences":[{"text":"Yeah.","start":59.235,"end":59.475,"sentiment":"neutral","sentiment_score":0.047732144594192505},{"text":"That's okay.","start":59.475,"end":60.295,"sentiment":"neutral","sentiment_score":0.09392043948173523},{"text":"No problem at all.","start":60.530003,"end":65.19,"sentiment":"neutral","sentiment_score":0.12105339020490646}],"sentiment":"neutral","sentiment_score":0.10282665491104126,"channel":0,"num_words":7,"start":59.235,"end":65.19},{"sentences":[{"text":"In a couple","start":64.73,"end":65.29,"sentiment":"neutral","sentiment_score":0.06108892088135084}],"sentiment":"neutral","sentiment_score":0.06108892088135084,"channel":1,"num_words":3,"start":64.73,"end":65.29},{"sentences":[{"text":"I'll","start":65.25,"end":65.49,"sentiment":"neutral","sentiment_score":0.0618477426469326}],"sentiment":"neutral","sentiment_score":0.0618477426469326,"channel":0,"num_words":1,"start":65.25,"end":65.49},{"sentences":[{"text":"of minutes.","start":65.29,"end":65.87,"sentiment":"neutral","sentiment_score":0.05903879553079605}],"sentiment":"neutral","sentiment_score":0.05903879553079605,"channel":1,"num_words":2,"start":65.29,"end":65.87},{"sentences":[{"text":"just that's okay.","start":65.49,"end":67.33,"sentiment":"neutral","sentiment_score":0.09890793263912201},{"text":"You're absolutely fine.","start":67.33,"end":68.87,"sentiment":"neutral","sentiment_score":0.2529231657584508}],"sentiment":"neutral","sentiment_score":0.1759155491987864,"channel":0,"num_words":6,"start":65.49,"end":68.87},{"sentences":[{"text":"I was doing someone else's job today, but I'm just 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for","start":76.645004,"end":77.765,"sentiment":"positive","sentiment_score":0.47546927332878114}],"sentiment":"positive","sentiment_score":0.3612015518275174,"channel":0,"num_words":11,"start":74.005005,"end":77.765},{"sentences":[{"text":"Someone","start":77.604996,"end":78.104996,"sentiment":"neutral","sentiment_score":0.15826550126075745}],"sentiment":"neutral","sentiment_score":0.15826550126075745,"channel":1,"num_words":1,"start":77.604996,"end":78.104996},{"sentences":[{"text":"doing for doing their job.","start":77.765,"end":79.465004,"sentiment":"neutral","sentiment_score":0.2544076919555664}],"sentiment":"neutral","sentiment_score":0.2544076919555664,"channel":0,"num_words":5,"start":77.765,"end":79.465004},{"sentences":[{"text":"yeah.","start":79.924995,"end":80.31,"sentiment":"neutral","sentiment_score":0.0037144143134355545},{"text":"Someone someone was sick, so 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it.","start":894.66,"end":900.6,"sentiment":"neutral","sentiment_score":-0.24334684312343596}],"sentiment":"neutral","sentiment_score":-0.3290534220635891,"channel":0,"num_words":40,"start":887.955,"end":900.6},{"sentences":[{"text":"Yeah.","start":900.84,"end":901.0,"sentiment":"neutral","sentiment_score":-0.03541984409093857},{"text":"No worries.","start":901.0,"end":901.48,"sentiment":"neutral","sentiment_score":-0.011221732012927532},{"text":"What what can you replace it with?","start":901.48,"end":903.18,"sentiment":"neutral","sentiment_score":-0.023010299940194403}],"sentiment":"neutral","sentiment_score":-0.021893540769815444,"channel":1,"num_words":10,"start":900.84,"end":903.18},{"sentences":[{"text":"So we have some passively managed investment options, which one of the biggest differences is that Benelmong Australian equity fund, that investment holds about 15 to 25 different investments within that portfolio.","start":904.01996,"end":917.025,"sentiment":"neutral","sentiment_score":0.0062092290609143674},{"text":"I can","start":917.805,"end":918.28503,"sentiment":"neutral","sentiment_score":0.04723135754466057}],"sentiment":"neutral","sentiment_score":0.008622295442311204,"channel":0,"num_words":34,"start":904.01996,"end":918.28503},{"sentences":[{"text":"Yeah.","start":918.175,"end":918.675,"sentiment":"neutral","sentiment_score":0.0892782136797905}],"sentiment":"neutral","sentiment_score":0.0892782136797905,"channel":1,"num_words":1,"start":918.175,"end":918.675},{"sentences":[{"text":"replace it with, like, an Australian 200 fund, which is giving you access or exposure to the top 200 companies on the ASX.","start":918.28503,"end":926.93005,"sentiment":"neutral","sentiment_score":0.14603242229508318},{"text":"And that type of investment is giving you more diversification.","start":927.39,"end":930.61005,"sentiment":"neutral","sentiment_score":0.15509314090013504}],"sentiment":"neutral","sentiment_score":0.14877809459964433,"channel":0,"num_words":33,"start":918.28503,"end":930.61005},{"sentences":[{"text":"Alright.","start":931.44,"end":931.92004,"sentiment":"neutral","sentiment_score":0.09217210114002228}],"sentiment":"neutral","sentiment_score":0.09217210114002228,"channel":1,"num_words":1,"start":931.44,"end":931.92004},{"sentences":[{"text":"It's also","start":931.63,"end":932.19,"sentiment":"neutral","sentiment_score":0.06372595950961113}],"sentiment":"neutral","sentiment_score":0.06372595950961113,"channel":0,"num_words":2,"start":931.63,"end":932.19},{"sentences":[{"text":"Yep.","start":931.92004,"end":932.42004,"sentiment":"neutral","sentiment_score":0.06532029807567596}],"sentiment":"neutral","sentiment_score":0.06532029807567596,"channel":1,"num_words":1,"start":931.92004,"end":932.42004},{"sentences":[{"text":"a cheaper investment.","start":932.19,"end":933.25,"sentiment":"neutral","sentiment_score":0.034528881311416626},{"text":"It's not actively managed.","start":933.47003,"end":934.99005,"sentiment":"neutral","sentiment_score":-0.0833248607814312},{"text":"It's more of a passively managed fund.","start":934.99005,"end":936.99005,"sentiment":"neutral","sentiment_score":0.07648420972483498},{"text":"So the investment manager is just trying to stay invested in the market and changes the investments with the in with the index, so the a 200 index, essentially.","start":936.99005,"end":947.305,"sentiment":"neutral","sentiment_score":0.12211150187870552},{"text":"That could also be a lower cost investment, so it might be cheaper to hold, which means that your fees could decrease, which would be good.","start":948.405,"end":956.72003,"sentiment":"neutral","sentiment_score":0.3060621859935614}],"sentiment":"neutral","sentiment_score":0.17108010230720908,"channel":0,"num_words":69,"start":932.19,"end":956.72003},{"sentences":[{"text":"Yeah.","start":957.25,"end":957.49,"sentiment":"positive","sentiment_score":0.3380078077316284},{"text":"That sounds 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got bank hybrids.","start":965.34,"end":968.615,"sentiment":"neutral","sentiment_score":0.05003483678129586},{"text":"These are more of a defensive investment.","start":969.315,"end":971.415,"sentiment":"neutral","sentiment_score":0.013499564890350615},{"text":"These are actually being phased out by the government.","start":971.475,"end":974.115,"sentiment":"neutral","sentiment_score":-0.03142525917953915},{"text":"So I'm actually thinking I'd probably like to move that from your portfolio and replace it 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gonna","start":992.56995,"end":993.37,"sentiment":"neutral","sentiment_score":-0.04011212568730116}],"sentiment":"neutral","sentiment_score":-0.04883855041116476,"channel":0,"num_words":50,"start":979.395,"end":993.37},{"sentences":[{"text":"No.","start":993.15,"end":993.65,"sentiment":"neutral","sentiment_score":-0.07571762055158615}],"sentiment":"neutral","sentiment_score":-0.07571762055158615,"channel":1,"num_words":1,"start":993.15,"end":993.65},{"sentences":[{"text":"make changes, I'd 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very well for you.","start":1086.5751,"end":1089.155,"sentiment":"positive","sentiment_score":0.6600624844431877},{"text":"But the other thing I kinda wanted to check-in with you is when we look at risk in a portfolio, you you have, like, the risk where you have growth and defensive assets and that kind of risk factor, but you also have risk in active and passive managed funds.","start":1089.615,"end":1107.225,"sentiment":"neutral","sentiment_score":-0.01729582604020834},{"text":"So where there's managed funds that the investment managers try to tie in the market and pick investments, you actually take a bit more risk to have those investments in there because if they time it wrong, if they don't pick the right investments, it can affect your 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or any other assets you'd note down?","start":1627.87,"end":1634.61,"sentiment":"neutral","sentiment_score":0.11994344819533198}],"sentiment":"neutral","sentiment_score":0.11994344819533198,"channel":0,"num_words":19,"start":1627.87,"end":1634.61},{"sentences":[{"text":"Yeah.","start":1634.42,"end":1634.92,"sentiment":"neutral","sentiment_score":0.0027026617899537086},{"text":"No credit card.","start":1635.6201,"end":1636.76,"sentiment":"neutral","sentiment_score":-0.04382252941528956}],"sentiment":"neutral","sentiment_score":-0.032191231613978744,"channel":1,"num_words":4,"start":1634.42,"end":1636.76},{"sentences":[{"text":"No?","start":1637.79,"end":1637.925,"sentiment":"neutral","sentiment_score":-0.059450797736644745}],"sentiment":"neutral","sentiment_score":-0.059450797736644745,"channel":0,"num_words":1,"start":1637.79,"end":1637.925},{"sentences":[{"text":"Nothing comes to mind 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that?","start":1698.135,"end":1699.995,"sentiment":"neutral","sentiment_score":0.05636571021750569}],"sentiment":"neutral","sentiment_score":0.05444303543671318,"channel":0,"num_words":23,"start":1691.88,"end":1699.995},{"sentences":[{"text":"Yeah.","start":1700.0751,"end":1700.395,"sentiment":"neutral","sentiment_score":0.06973659992218018},{"text":"That's better.","start":1700.395,"end":1701.295,"sentiment":"neutral","sentiment_score":0.11197580769658089}],"sentiment":"neutral","sentiment_score":0.09789607177178065,"channel":1,"num_words":3,"start":1700.0751,"end":1701.295},{"sentences":[{"text":"Yep.","start":1702.2151,"end":1702.6151,"sentiment":"neutral","sentiment_score":0.11048609018325806},{"text":"Beautiful.","start":1702.6151,"end":1703.1151,"sentiment":"neutral","sentiment_score":0.2268265038728714},{"text":"And does does your partner work as well?","start":1703.3351,"end":1705.8151,"sentiment":"neutral","sentiment_score":0.04268945753574371},{"text":"Does Alicia work?","start":1705.8151,"end":1707.035,"sentiment":"neutral","sentiment_score":0.008905401763816675}],"sentiment":"neutral","sentiment_score":0.05427265074104071,"channel":0,"num_words":13,"start":1702.2151,"end":1707.035},{"sentences":[{"text":"No.","start":1707.56,"end":1707.88,"sentiment":"neutral","sentiment_score":-0.03918864205479622},{"text":"She's at home.","start":1707.88,"end":1708.94,"sentiment":"neutral","sentiment_score":-0.01995804471274217},{"text":"She's","start":1709.48,"end":1709.98,"sentiment":"neutral","sentiment_score":-0.00307055888697505}],"sentiment":"neutral","sentiment_score":-0.020426667015999555,"channel":1,"num_words":5,"start":1707.56,"end":1709.98},{"sentences":[{"text":"Okay.","start":1709.97,"end":1710.47,"sentiment":"neutral","sentiment_score":-0.005755105521529913}],"sentiment":"neutral","sentiment_score":-0.005755105521529913,"channel":0,"num_words":1,"start":1709.97,"end":1710.47},{"sentences":[{"text":"she's a care for one of our 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you so much for updating that.","start":1834.165,"end":1836.005,"sentiment":"positive","sentiment_score":0.6513104098183768},{"text":"Appreciate it.","start":1836.005,"end":1837.0651,"sentiment":"positive","sentiment_score":0.5721730887889862}],"sentiment":"positive","sentiment_score":0.6161885559558868,"channel":0,"num_words":10,"start":1833.685,"end":1837.0651},{"sentences":[{"text":"Yep.","start":1837.55,"end":1838.05,"sentiment":"neutral","sentiment_score":0.034606341272592545}],"sentiment":"neutral","sentiment_score":0.034606341272592545,"channel":1,"num_words":1,"start":1837.55,"end":1838.05},{"sentences":[{"text":"The the other thing down the track, at the moment, given your super balance is a little bit lower, there are other strategies that we can kinda put in place down the track, like trends through a time a time and strategies and things like that.","start":1838.405,"end":1851.09,"sentiment":"neutral","sentiment_score":0.026106703378584072},{"text":"I don't know if that would really work at the moment, but your balance is a little bit lower.","start":1851.3099,"end":1855.49,"sentiment":"neutral","sentiment_score":-0.07238653655114927},{"text":"But down the track, if that works out for you, are you open to other strategies and maybe adding more money into super, like salary sacrifice and things like that to kinda boost your super.","start":1856.11,"end":1865.605,"sentiment":"neutral","sentiment_score":0.18604492779288972},{"text":"Are you open to or you're finding it's not really possible?","start":1865.605,"end":1868.5851,"sentiment":"neutral","sentiment_score":-0.1343450979752974}],"sentiment":"neutral","sentiment_score":0.04377784284653964,"channel":0,"num_words":111,"start":1838.405,"end":1868.5851},{"sentences":[{"text":"Yeah.","start":1869.795,"end":1870.035,"sentiment":"neutral","sentiment_score":-0.057124897837638855},{"text":"We have to discuss that later though at the 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something","start":1909.27,"end":1910.57,"sentiment":"neutral","sentiment_score":0.0054534032940864565}],"sentiment":"neutral","sentiment_score":-0.018989835424642814,"channel":1,"num_words":19,"start":1906.185,"end":1910.57},{"sentences":[{"text":"Mhmm.","start":1910.17,"end":1910.67,"sentiment":"neutral","sentiment_score":0.013921888545155523}],"sentiment":"neutral","sentiment_score":0.013921888545155523,"channel":0,"num_words":1,"start":1910.17,"end":1910.67},{"sentences":[{"text":"a basic outline of how much would it be beneficial to salary sacrifice to make a difference or whatever?","start":1911.19,"end":1920.97,"sentiment":"neutral","sentiment_score":0.001463890859955235}],"sentiment":"neutral","sentiment_score":0.001463890859955235,"channel":1,"num_words":19,"start":1911.19,"end":1920.97},{"sentences":[{"text":"Yeah.","start":1922.025,"end":1922.425,"sentiment":"neutral","sentiment_score":0.05672860145568848},{"text":"Would you like me to incorporate that into the advice to 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sure.","start":2101.05,"end":2103.15,"sentiment":"neutral","sentiment_score":-0.14283310920000075},{"text":"I'll be I'll be contacting you just to see what what the best","start":2108.33,"end":2112.185,"sentiment":"neutral","sentiment_score":-0.0767066037425628}],"sentiment":"neutral","sentiment_score":-0.09507507748074001,"channel":1,"num_words":18,"start":2101.05,"end":2112.185},{"sentences":[{"text":"What","start":2111.9749,"end":2112.2148,"sentiment":"neutral","sentiment_score":-0.07330939173698425}],"sentiment":"neutral","sentiment_score":-0.07330939173698425,"channel":0,"num_words":1,"start":2111.9749,"end":2112.2148},{"sentences":[{"text":"move","start":2112.185,"end":2112.665,"sentiment":"neutral","sentiment_score":-0.04919950291514397}],"sentiment":"neutral","sentiment_score":-0.04919950291514397,"channel":1,"num_words":1,"start":2112.185,"end":2112.665},{"sentences":[{"text":"to do?","start":2112.2148,"end":2112.955,"sentiment":"neutral","sentiment_score":-0.0336663406342268}],"sentiment":"neutral","sentiment_score":-0.0336663406342268,"channel":0,"num_words":2,"start":2112.2148,"end":2112.955},{"sentences":[{"text":"to go.","start":2112.665,"end":2113.415,"sentiment":"neutral","sentiment_score":-0.011583090759813784}],"sentiment":"neutral","sentiment_score":-0.011583090759813784,"channel":1,"num_words":2,"start":2112.665,"end":2113.415},{"sentences":[{"text":"Yep.","start":2113.815,"end":2114.295,"sentiment":"neutral","sentiment_score":0.07727089524269104},{"text":"Yep.","start":2114.295,"end":2114.795,"sentiment":"neutral","sentiment_score":0.1524888575077057},{"text":"Absolutely.","start":2114.935,"end":2115.435,"sentiment":"positive","sentiment_score":0.41873663663864136},{"text":"The next one here is a bit of a bizarre one, but it is worth asking.","start":2117.015,"end":2120.4749,"sentiment":"neutral","sentiment_score":0.08516012667678297},{"text":"What kind of average rate of return are you hoping to achieve from your portfolio?","start":2120.935,"end":2126.17,"sentiment":"neutral","sentiment_score":0.10514839341243108}],"sentiment":"neutral","sentiment_score":0.10553777404129505,"channel":0,"num_words":34,"start":2113.815,"end":2126.17},{"sentences":[{"text":"Are you, one, hoping to get the best return you possibly can each year, the 8% and above?","start":2127.27,"end":2133.05,"sentiment":"neutral","sentiment_score":0.16017348360684183},{"text":"Are you too comfortable with the moderate six to 8%?","start":2133.51,"end":2136.695,"sentiment":"neutral","sentiment_score":-0.055855071544647215},{"text":"Are you comfortable with the conservative four to 6%, or are you comfortable just getting two to 4% per year compounding that forward?","start":2136.7551,"end":2144.455,"sentiment":"neutral","sentiment_score":0.010078356965728428}],"sentiment":"neutral","sentiment_score":0.05012498430761637,"channel":0,"num_words":51,"start":2127.27,"end":2144.455},{"sentences":[{"text":"The middle one, I think.","start":2148.5251,"end":2149.8252,"sentiment":"neutral","sentiment_score":0.007439446821808815},{"text":"6%","start":2150.2852,"end":2151.1052,"sentiment":"neutral","sentiment_score":0.027220865711569783}],"sentiment":"neutral","sentiment_score":0.01073634997010231,"channel":1,"num_words":6,"start":2148.5251,"end":2151.1052},{"sentences":[{"text":"The yep.","start":2151.41,"end":2152.63,"sentiment":"neutral","sentiment_score":0.0609857551753521},{"text":"Yep.","start":2153.17,"end":2153.67,"sentiment":"neutral","sentiment_score":0.21460746228694916},{"text":"Perfect.","start":2153.89,"end":2154.39,"sentiment":"positive","sentiment_score":0.5470796227455139},{"text":"And the second last one oh, so the last one here is have you ever considered borrowing money from a bank or financial institution to invest in shares or manage funds, or have you only ever been comfortable borrowing the same property?","start":2155.8098,"end":2170.975,"sentiment":"neutral","sentiment_score":0.010319557528765429}],"sentiment":"neutral","sentiment_score":0.02863217416502859,"channel":0,"num_words":46,"start":2151.41,"end":2170.975},{"sentences":[{"text":"Neither really.","start":2175.305,"end":2176.2852,"sentiment":"neutral","sentiment_score":-0.19616617262363434}],"sentiment":"neutral","sentiment_score":-0.19616617262363434,"channel":1,"num_words":2,"start":2175.305,"end":2176.2852},{"sentences":[{"text":"No.","start":2177.435,"end":2177.935,"sentiment":"neutral","sentiment_score":-0.12779396772384644},{"text":"Just for your own home, really?","start":2177.995,"end":2179.5352,"sentiment":"neutral","sentiment_score":-0.06643610820174217}],"sentiment":"neutral","sentiment_score":-0.07520151670489993,"channel":0,"num_words":7,"start":2177.435,"end":2179.5352},{"sentences":[{"text":"Yeah.","start":2180.1702,"end":2180.6702,"sentiment":"neutral","sentiment_score":0.08212770521640778}],"sentiment":"neutral","sentiment_score":0.08212770521640778,"channel":1,"num_words":1,"start":2180.1702,"end":2180.6702},{"sentences":[{"text":"Yes.","start":2181.75,"end":2182.07,"sentiment":"neutral","sentiment_score":0.15036863088607788},{"text":"That's okay.","start":2182.07,"end":2182.9502,"sentiment":"neutral","sentiment_score":0.29582004249095917},{"text":"Perfect.","start":2182.9502,"end":2183.4502,"sentiment":"positive","sentiment_score":0.5078088045120239},{"text":"Now with where you scored at the moment, you have scored as more of a moderate investor.","start":2184.3901,"end":2189.05,"sentiment":"neutral","sentiment_score":0.20260866161654978},{"text":"Now the portfolio you're in in your super is more balanced growth.","start":2189.6702,"end":2194.725,"sentiment":"neutral","sentiment_score":0.2397331806520621}],"sentiment":"neutral","sentiment_score":0.22942311926321549,"channel":0,"num_words":33,"start":2181.75,"end":2194.725},{"sentences":[{"text":"So, typically, you see about six sorry.","start":2194.8052,"end":2198.0051,"sentiment":"neutral","sentiment_score":0.14561563464147703},{"text":"70% of your super invested in growth assets.","start":2198.0051,"end":2201.0452,"sentiment":"neutral","sentiment_score":0.11587016005069017},{"text":"These are things like Australian shares, international shares, gold and silver, so precious metals, and also fixed property.","start":2201.0452,"end":2208.5051,"sentiment":"neutral","sentiment_score":0.13939911789364284},{"text":"And then the other generally 30% invested in low risk defensive assets, so cash, bonds, fixed interest.","start":2209.78,"end":2217.08,"sentiment":"neutral","sentiment_score":0.12963316414286108},{"text":"That balance growth environment suits someone who's got about five years before they're accessing their funds.","start":2217.62,"end":2224.84,"sentiment":"neutral","sentiment_score":0.16868769261054695}],"sentiment":"neutral","sentiment_score":0.14179123813907304,"channel":0,"num_words":66,"start":2194.8052,"end":2224.84},{"sentences":[{"text":"You can be","start":2225.135,"end":2225.6948,"sentiment":"neutral","sentiment_score":0.0161536547044913}],"sentiment":"neutral","sentiment_score":0.0161536547044913,"channel":0,"num_words":3,"start":2225.135,"end":2225.6948},{"sentences":[{"text":"Yeah.","start":2225.585,"end":2226.085,"sentiment":"neutral","sentiment_score":0.05448850989341736}],"sentiment":"neutral","sentiment_score":0.05448850989341736,"channel":1,"num_words":1,"start":2225.585,"end":2226.085},{"sentences":[{"text":"in that a little bit longer if you you know, if you're four years out, that's absolutely fine if you're comfortable with 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of an you're right.","start":2232.335,"end":2234.175,"sentiment":"neutral","sentiment_score":-0.29223303198814393},{"text":"The likelihood of a negative return is about one in every six years, and the expected rate of return is around about six to 8% on a yearly basis compounding forward.","start":2234.175,"end":2244.56,"sentiment":"neutral","sentiment_score":-0.2937716389856031}],"sentiment":"neutral","sentiment_score":-0.2935579435692893,"channel":0,"num_words":36,"start":2232.335,"end":2244.56},{"sentences":[{"text":"Yeah.","start":2245.225,"end":2245.725,"sentiment":"neutral","sentiment_score":-0.03363952040672302}],"sentiment":"neutral","sentiment_score":-0.03363952040672302,"channel":1,"num_words":1,"start":2245.225,"end":2245.725},{"sentences":[{"text":"With where you are, depending on how you feel, if you're you have about four years, so you're wanting to access your super 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interest.","start":2289.4849,"end":2303.1501,"sentiment":"neutral","sentiment_score":0.051220195696634406}],"sentiment":"neutral","sentiment_score":0.030818441141120815,"channel":0,"num_words":54,"start":2281.645,"end":2303.1501},{"sentences":[{"text":"Yeah.","start":2303.725,"end":2303.885,"sentiment":"neutral","sentiment_score":0.018124671652913097},{"text":"That's","start":2303.885,"end":2304.205,"sentiment":"neutral","sentiment_score":0.008739983662962914}],"sentiment":"neutral","sentiment_score":0.013432327657938005,"channel":1,"num_words":2,"start":2303.725,"end":2304.205},{"sentences":[{"text":"This 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one.","start":2307.885,"end":2308.545,"sentiment":"neutral","sentiment_score":0.16517236828804016}],"sentiment":"neutral","sentiment_score":0.16517236828804016,"channel":1,"num_words":2,"start":2307.885,"end":2308.545},{"sentences":[{"text":"Beautiful.","start":2309.875,"end":2310.375,"sentiment":"positive","sentiment_score":0.5974454879760742},{"text":"Excellent.","start":2310.595,"end":2311.095,"sentiment":"positive","sentiment_score":0.6014910340309143},{"text":"So part of your soup part of your super statement of advice, I'll go back and I'll reduce your risk a little bit to the balanced environment.","start":2311.155,"end":2319.815,"sentiment":"neutral","sentiment_score":0.27079949114057755},{"text":"I'll keep your Australian super open for a bit longer to keep your insurances in 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doing all that?","start":2337.385,"end":2339.4849,"sentiment":"neutral","sentiment_score":0.07748914696276188}],"sentiment":"neutral","sentiment_score":0.12521349562501366,"channel":0,"num_words":44,"start":2325.45,"end":2339.4849},{"sentences":[{"text":"Yes.","start":2339.895,"end":2340.395,"sentiment":"neutral","sentiment_score":0.149685800075531}],"sentiment":"neutral","sentiment_score":0.149685800075531,"channel":1,"num_words":1,"start":2339.895,"end":2340.395},{"sentences":[{"text":"Yep.","start":2341.305,"end":2341.785,"sentiment":"neutral","sentiment_score":0.2083091139793396},{"text":"Beautiful.","start":2341.785,"end":2342.285,"sentiment":"positive","sentiment_score":0.540594756603241},{"text":"This is all part of your ongoing service agreement, so there's no additional fees with advice.","start":2342.665,"end":2348.04,"sentiment":"positive","sentiment_score":0.3673247806727886},{"text":"This is just the advice I'm providing to help you along and make sure your super is working at its best so you get the best out of your retirement.","start":2348.04,"end":2356.06,"sentiment":"positive","sentiment_score":0.4574329247077306},{"text":"Okay?","start":2356.36,"end":2356.86,"sentiment":"neutral","sentiment_score":0.200007364153862}],"sentiment":"positive","sentiment_score":0.41936929523944855,"channel":0,"num_words":49,"start":2341.305,"end":2356.86},{"sentences":[{"text":"Yep.","start":2356.9102,"end":2357.295,"sentiment":"neutral","sentiment_score":0.12259306013584136},{"text":"Alright.","start":2357.775,"end":2357.9348,"sentiment":"neutral","sentiment_score":0.19974130392074585},{"text":"Thank","start":2357.9348,"end":2358.4348,"sentiment":"positive","sentiment_score":0.3895622491836548}],"sentiment":"neutral","sentiment_score":0.23729887108008066,"channel":1,"num_words":3,"start":2356.9102,"end":2358.4348},{"sentences":[{"text":"That's okay.","start":2359.7349,"end":2360.4749,"sentiment":"neutral","sentiment_score":0.3201362043619156},{"text":"Do you have any questions for me?","start":2360.535,"end":2362.135,"sentiment":"neutral","sentiment_score":0.1370514397110258},{"text":"Is there anything that I might not have touched on that might be important for you today or anything I've missed or you need more clarification on?","start":2362.135,"end":2369.675,"sentiment":"neutral","sentiment_score":0.08515597824697141}],"sentiment":"neutral","sentiment_score":0.10830121942692333,"channel":0,"num_words":36,"start":2359.7349,"end":2369.675},{"sentences":[{"text":"you.","start":2369.2148,"end":2369.7148,"sentiment":"neutral","sentiment_score":0.0034294668585062027},{"text":"No.","start":2370.255,"end":2370.4949,"sentiment":"neutral","sentiment_score":-0.15556782484054563},{"text":"I'm not real I think I'm good with everything.","start":2370.4949,"end":2372.595,"sentiment":"neutral","sentiment_score":-0.21840171019236246}],"sentiment":"neutral","sentiment_score":-0.1925230681557547,"channel":1,"num_words":11,"start":2369.2148,"end":2372.595},{"sentences":[{"text":"Beautiful.","start":2373.91,"end":2374.41,"sentiment":"positive","sentiment_score":0.4971014261245727},{"text":"All good.","start":2374.55,"end":2375.11,"sentiment":"positive","sentiment_score":0.42688216269016266},{"text":"Well, I will get stuck into that document there.","start":2375.11,"end":2377.35,"sentiment":"neutral","sentiment_score":0.1416511908173561},{"text":"It does take a couple of weeks to put the advice together.","start":2377.35,"end":2379.75,"sentiment":"neutral","sentiment_score":0.11289469959835212},{"text":"So once I've got it together, my team will come back and let you know.","start":2379.75,"end":2384.17,"sentiment":"neutral","sentiment_score":0.147491309295098}],"sentiment":"neutral","sentiment_score":0.15879057701199484,"channel":0,"num_words":39,"start":2373.91,"end":2384.17},{"sentences":[{"text":"In the meantime, if you can sign that annual review documents and grab them back to us, that would be fantastic.","start":2385.19,"end":2390.395,"sentiment":"neutral","sentiment_score":0.29593810013362337},{"text":"We sort of need to make sure that we have the annual agreement on file so that we can keep providing advice and looking after you.","start":2390.775,"end":2397.095,"sentiment":"neutral","sentiment_score":0.23173851118637964},{"text":"But if you find you have any questions, Michael, you're welcome to let me know.","start":2397.095,"end":2400.855,"sentiment":"neutral","sentiment_score":0.20838412195444106},{"text":"Okay?","start":2400.855,"end":2401.355,"sentiment":"neutral","sentiment_score":0.18299977481365204}],"sentiment":"neutral","sentiment_score":0.2468041745679719,"channel":0,"num_words":63,"start":2385.19,"end":2401.355},{"sentences":[{"text":"Yep.","start":2402.1,"end":2402.6,"sentiment":"neutral","sentiment_score":0.17982475459575653},{"text":"I'll have a look at it.","start":2402.74,"end":2404.04,"sentiment":"neutral","sentiment_score":0.3116748183965683}],"sentiment":"neutral","sentiment_score":0.29283909499645233,"channel":1,"num_words":7,"start":2402.1,"end":2404.04},{"sentences":[{"text":"Beautiful.","start":2404.91,"end":2405.41,"sentiment":"positive","sentiment_score":0.7853233218193054},{"text":"Thank you so much for that.","start":2405.63,"end":2406.75,"sentiment":"positive","sentiment_score":0.8386691510677338},{"text":"I'll talk to you in a couple of weeks, and we'll go through the advice document nice and clearly.","start":2406.75,"end":2410.67,"sentiment":"positive","sentiment_score":0.6005928218364716},{"text":"And in the meantime, if there's anything you need, please let me know.","start":2410.67,"end":2413.55,"sentiment":"neutral","sentiment_score":0.3276796375329678},{"text":"I'm more than happy to make extra time.","start":2413.55,"end":2415.73,"sentiment":"positive","sentiment_score":0.7589375525712967}],"sentiment":"positive","sentiment_score":0.5863816500344174,"channel":0,"num_words":47,"start":2404.91,"end":2415.73},{"sentences":[{"text":"And thank you so much for taking my call this afternoon.","start":2416.355,"end":2418.835,"sentiment":"positive","sentiment_score":0.795422228899869},{"text":"I know you've had a long day.","start":2418.835,"end":2420.115,"sentiment":"neutral","sentiment_score":0.21093555007662093},{"text":"Probably itching to get home.","start":2420.115,"end":2421.7349,"sentiment":"neutral","sentiment_score":-0.013546495139598847}],"sentiment":"positive","sentiment_score":0.4416722127276918,"channel":0,"num_words":23,"start":2416.355,"end":2421.7349},{"sentences":[{"text":"Yep.","start":2422.015,"end":2422.335,"sentiment":"neutral","sentiment_score":0.11983484029769896},{"text":"Yep.","start":2422.335,"end":2422.4949,"sentiment":"neutral","sentiment_score":0.1456325650215149},{"text":"No worries.","start":2422.4949,"end":2422.895,"sentiment":"neutral","sentiment_score":0.31889012455940247},{"text":"Thanks for that.","start":2422.895,"end":2423.6729,"sentiment":"positive","sentiment_score":0.732690672079722}],"sentiment":"positive","sentiment_score":0.4430456672395979,"channel":1,"num_words":7,"start":2422.015,"end":2423.6729},{"sentences":[{"text":"Thanks, Michael.","start":2424.755,"end":2425.555,"sentiment":"positive","sentiment_score":0.7507615685462952},{"text":"Enjoy your afternoon.","start":2425.555,"end":2426.6948,"sentiment":"positive","sentiment_score":0.7515201171239217},{"text":"Talk to you soon.","start":2426.755,"end":2427.655,"sentiment":"positive","sentiment_score":0.568037211894989}],"sentiment":"positive","sentiment_score":0.6698035928938124,"channel":0,"num_words":9,"start":2424.755,"end":2427.655},{"sentences":[{"text":"You too.","start":2427.993,"end":2428.5527,"sentiment":"positive","sentiment_score":0.37304939329624176},{"text":"Bye bye.","start":2428.5527,"end":2429.293,"sentiment":"neutral","sentiment_score":0.27443626523017883}],"sentiment":"neutral","sentiment_score":0.3237428292632103,"channel":1,"num_words":4,"start":2427.993,"end":2429.293},{"sentences":[{"text":"Thanks.","start":2429.555,"end":2429.9548,"sentiment":"positive","sentiment_score":0.6197141408920288},{"text":"See you later.","start":2429.9548,"end":2430.6948,"sentiment":"neutral","sentiment_score":0.29350292434295017}],"sentiment":"positive","sentiment_score":0.37505572848021984,"channel":0,"num_words":4,"start":2429.555,"end":2430.6948}]},"summary":{"result":"success","short":"During a call with a representative from a financial company, Michael discusses his annual review and personal information with the representative. The agent explains coverage options, beneficiary information, and the process for updating the customer's portfolio. They also discuss investment portfolios and the importance of signing annual reviews to ensure retirement savings. The speaker emphasizes the importance of signing annual reviews to maintain savings and emphasizes the importance of maintaining risk levels and risk management plans."},"intents":{"segments":[{"text":"Well, I'll try not to take up too much of your time just to kinda go through things with you and see how everything's been going and look and see if there's some new advice that we need to provide there for you.","start_word":50,"end_word":92,"intents":[{"intent":"Provide advice and recommendations","confidence_score":0.0011956107},{"intent":"Discuss thoughts and plans","confidence_score":0.00001016731}]},{"text":"I normally send you an a Yep. like, an annual review pack to use Alright. for your emails. Are you able to access those at all?","start_word":93,"end_word":118,"intents":[{"intent":"Request email access","confidence_score":0.03970821}]},{"text":"If you find you can't access it, honestly, it's not a problem. I can go through things with you. It's just sometimes easier when you're looking at it. That's all.","start_word":379,"end_word":408,"intents":[{"intent":"Access website","confidence_score":0.05013298},{"intent":"Access document","confidence_score":0.25672904}]},{"text":"Michael, just to kinda let you know before we go through and discuss anything personal, I do have to report our call moving forward with any and quality purposes. Are you comfortable with that?","start_word":409,"end_word":442,"intents":[{"intent":"Report call","confidence_score":0.80109173}]},{"text":"And just a little quick security check there for you as well. I just need you to confirm your full name, your date of birth, and address I should have on file. Alright.","start_word":446,"end_word":478,"intents":[{"intent":"Confirm information","confidence_score":0.30822563},{"intent":"Provide confirmation","confidence_score":0.0012813406},{"intent":"Confirm details","confidence_score":0.0634551},{"intent":"Confirm document","confidence_score":0.19829506}]},{"text":"I just need you to confirm your full name, your date of birth, and address I should have on file. Alright.","start_word":458,"end_word":478,"intents":[{"intent":"Confirm identity","confidence_score":0.14150935},{"intent":"Confirm identity","confidence_score":0.017120335}]},{"text":"Yeah.","start_word":479,"end_word":479,"intents":[{"intent":"Confirm address","confidence_score":0.04652251},{"intent":"Confirm account","confidence_score":0.12548725}]},{"text":"You did good. All good. Yeah.","start_word":511,"end_word":516,"intents":[{"intent":"Ensure good communication","confidence_score":0.0000033097253}]},{"text":"That's I've the got one. your I've got your email in front of me now. Beautiful.","start_word":525,"end_word":540,"intents":[{"intent":"Share email","confidence_score":0.0012973199}]},{"text":"The the insurance is on the bottom there. Now we've kinda kept those in place because that was more your comfort level. You still feel that they're appropriate. Are you still happy keeping those insurances in place that's still important for you to retain? Yeah.","start_word":860,"end_word":904,"intents":[{"intent":"Verify insurance information","confidence_score":0.0004360628}]},{"text":"the the Did you want me to the the insurance part of it normally covers you if you're injured or not work or something like that or not. yeah.","start_word":1040,"end_word":1068,"intents":[{"intent":"Clarify coverage","confidence_score":0.00021584718}]},{"text":"In the event of passing, and I'm sorry. These are terribly conversations to have, but in the event of passing, where is it that you want that money to be paid to?","start_word":1186,"end_word":1217,"intents":[{"intent":"Confirm payment","confidence_score":0.12748815}]},{"text":"So just confirming, you want a 100% of all your super to be paid to Alicia? Yeah.","start_word":1330,"end_word":1346,"intents":[{"intent":"Confirm nomination","confidence_score":0.17771253}]},{"text":"You can have a binding, like, the same as what you have on Australian Super, which means you just refill the document out every three years, or I can actually make it a binding non lasting nomination, which means you do it now. We leave it on file. I check it with you every year, and it only has to be updated if you wanna change the person that you're nominated. Which way would you prefer to go?","start_word":1390,"end_word":1467,"intents":[{"intent":"Create binding document","confidence_score":0.00037449214}]},{"text":"And then your income protection pays out a, technically, a monthly benefit in the event that you're unable to go back to work ever again. Income protection is generally important when we can't access super, but if anything happened, you were not able to go back to work because you're over 60, you can actually also access your super there. So income protection is still important for you to keep a bit longer. Is that right? Yeah.","start_word":1750,"end_word":1826,"intents":[{"intent":"Understand income protection and insurance policies","confidence_score":0.000004708298}]},{"text":"You do have one investment that is kind of underperforming a little bit at the moment, so I would like to maybe go back and maybe make some changes, a little bit updating your portfolio for you. Are you comfortable with me reviewing things and updating that for you?","start_word":2127,"end_word":2175,"intents":[{"intent":"Review investment","confidence_score":0.068124354}]},{"text":"You do have one investment that is kind of underperforming a little bit at the moment, so I would like to maybe go back and maybe make some changes, a little bit updating your portfolio for you. Are you comfortable with me reviewing things and updating that for you? Yes.","start_word":2127,"end_word":2176,"intents":[{"intent":"Discuss investment opportunities","confidence_score":0.000089251065},{"intent":"Update portfolio","confidence_score":0.8095297}]},{"text":"I sort of think given your time of life, it's not really worth you being in an investor that's underperforming. So I'd like to remove that out of your portfolio and replace that if you're comfortable with me doing it. Yeah.","start_word":2368,"end_word":2408,"intents":[{"intent":"Remove portfolio","confidence_score":0.000019592879}]},{"text":"So we have some passively managed investment options, which one of the biggest differences is that Benelmong Australian equity fund, that investment holds about 15 to 25 different investments within that portfolio. I can Yeah.","start_word":2418,"end_word":2452,"intents":[{"intent":"Identify investment options","confidence_score":0.009695493}]},{"text":"replace it with, like, an Australian 200 fund, which is giving you access or exposure to the top 200 companies on the ASX. And that type of investment is giving you more diversification. Alright.","start_word":2453,"end_word":2486,"intents":[{"intent":"Promote diversification","confidence_score":0.0030786057}]},{"text":"But the other thing I kinda wanted to check-in with you is when we look at risk in a portfolio, you you have, like, the risk where you have growth and defensive assets and that kind of risk factor, but you also have risk in active and passive managed funds.","start_word":2913,"end_word":2962,"intents":[{"intent":"Analyze portfolio risk","confidence_score":0.03546425}]},{"text":"The next document in there is the financial service It's got that outlines everything about who we are, what we do, and how we do it. We've updated it recently as well, so it's got a lovely picture of me in there.","start_word":3312,"end_word":3353,"intents":[{"intent":"Provide financial guidance","confidence_score":0.0009615385}]},{"text":"it this is kind of a a legal document that allows everything about who we are as advisers. It has all of our licensing information there for you and all of our services as well. Okay? Yeah.","start_word":3386,"end_word":3422,"intents":[{"intent":"Provide information about services","confidence_score":0.0020850243}]},{"text":"Do you have any questions about how the fee structure works? Or No.","start_word":3603,"end_word":3615,"intents":[{"intent":"Explain fee structure","confidence_score":0.26832303},{"intent":"Explain fee structure","confidence_score":0.027566012}]},{"text":"Are you still on that have you had a pay rise?","start_word":3775,"end_word":3785,"intents":[{"intent":"Ask about pay rise/pay rise","confidence_score":1.8689002e-7}]},{"text":"We also were able to save on a weekly basis around about 50 to $200 per week depending on bills and expenses. Are you still finding that or you're sort of finding it harder to save at the moment?","start_word":3840,"end_word":3878,"intents":[{"intent":"Discuss savings","confidence_score":0.11711105}]},{"text":"As far as I know, it's going up, but I I'm not too sure what it what it's sitting at.","start_word":3961,"end_word":3980,"intents":[{"intent":"Express uncertainty about house value","confidence_score":0.005209266}]},{"text":"Dodge Dodge vehicles are debt free. You don't owe any money on them No. at all?","start_word":4352,"end_word":4367,"intents":[{"intent":"Check debt status","confidence_score":0.0609361}]},{"text":"The only other thing I don't have on here, do you happen to know Alicia's phone number off by heart? No.","start_word":4845,"end_word":4865,"intents":[{"intent":"Update contact information","confidence_score":0.06371115}]},{"text":"The the other thing down the track, at the moment, given your super balance is a little bit lower, there are other strategies that we can kinda put in place down the track, like trends through a time a time and strategies and things like that.","start_word":4988,"end_word":5033,"intents":[{"intent":"Discuss strategy options","confidence_score":0.11129965},{"intent":"Discuss investment strategy","confidence_score":0.03315757}]},{"text":"And the last thing I just wanted to do with you there is just to go through an updated risk profile just to make sure you are invested in the correct portfolio there and just to see whether I need to reduce or look at your risk level as well. The K.","start_word":5163,"end_word":5214,"intents":[{"intent":"Discuss risk profile","confidence_score":0.37365496}]},{"text":"I could always recommend to change the investment portfolio.","start_word":5281,"end_word":5289,"intents":[{"intent":"Propose portfolio change","confidence_score":0.00008309381}]},{"text":"I could always recommend to change the investment portfolio. Did you want me to incorporate maybe adding Yeah. some salary sacrifice in there and showing you what that could do long term?","start_word":5281,"end_word":5312,"intents":[{"intent":"Discuss portfolio recommendations","confidence_score":0.009029371}]},{"text":"I'll look at the options there and see what we can do. We can always start smaller and build on that as well, but I'll recommend something to sort of show you how to build super as much we can over the next four years there for you. Okay? Yep.","start_word":5463,"end_word":5512,"intents":[{"intent":"Discuss future plans","confidence_score":0.008923777}]},{"text":"Just with the risk profile question, I've answered most of the questions pretty well for you already.","start_word":5516,"end_word":5532,"intents":[{"intent":"Discuss risk profile questions","confidence_score":0.0009930234}]},{"text":"How much risk are you comfortable taking in order to make sure your returns are keeping up with inflation?","start_word":5566,"end_word":5584,"intents":[{"intent":"Ensure safety","confidence_score":0.0000011490166}]},{"text":"The next one here is saying if you look at your super in the next six months and it had fallen by 20% due to what was happening in the market globally, how would you be feeling?","start_word":5697,"end_word":5733,"intents":[{"intent":"Discuss volatility","confidence_score":0.002741748},{"intent":"Explain market response","confidence_score":0.000043187232}]},{"text":"Are you maybe excited about the investment opportunity, wanna put some more money into it? Are you a bit nervous maybe calling us and talking it through and seeing what we can do to help or what's happening? Or are you likely to want to submit the loss and sell the investments to cash? How do you think you might be feeling?","start_word":5734,"end_word":5795,"intents":[{"intent":"Express optimism","confidence_score":0.0016388424}]},{"text":"What kind of average rate of return are you hoping to achieve from your portfolio?","start_word":5839,"end_word":5853,"intents":[{"intent":"Ask about portfolio goals","confidence_score":0.00071656913}]},{"text":"So I would normally be wanting to kind of move you down to more of a conservative sort of portfolio. But given that your balance is a little bit lower, are you sort of wanting to hold on to where you are and try and get a bit more growth to build on that, or are you feeling a bit nervous about the market and maybe wanting to reduce your risk level and drop down a bit? How are you sort of feeling?","start_word":6159,"end_word":6241,"intents":[{"intent":"Assess portfolio options","confidence_score":0.01162581}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Michael. It's Dana from OC Financial. How are you this afternoon?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.19493766129016876},{"text":"Good. That's good. I had you booked in to go through your annual review today. Is now still a good time there for you?","start_word":13,"end_word":36,"sentiment":"positive","sentiment_score":0.4811365604400635},{"text":"Yes? Oh, good. How's your day been so far? Busy. Yeah?","start_word":37,"end_word":47,"sentiment":"neutral","sentiment_score":0.2588491439819336},{"text":"All good.","start_word":48,"end_word":49,"sentiment":"positive","sentiment_score":0.4298493862152099},{"text":"Well, I'll try not to take up too much of your time just to kinda go through things with you and see how everything's been going and look and see if there's some new advice that we need to provide there for you. I normally send you an a Yep. like, an annual review pack to use Alright. for your emails. Are you able to access those at all? Alright. What was that? I missed that. No. You're alright. I I normally send you, like, an annual review pass to your email to go through with me. Are you able to access your emails at the moment? Yeah. In a minute. I just gotta get to my car. I'm just leaving. Yeah. That's okay. No problem at all. In a couple I'll of minutes. just that's okay. You're absolutely fine. I was doing someone else's job today, but I'm just leaving Alright. a little bit later. No. That's you're absolutely fine, honestly.","start_word":50,"end_word":211,"sentiment":"neutral","sentiment_score":0.07852834463119507},{"text":"You're a good soul for Someone doing for doing their job.","start_word":212,"end_word":222,"sentiment":"positive","sentiment_score":0.3792051374912262},{"text":"yeah. Someone someone was sick, so I You're a good soul, aren't you? filled Hopefully, you get paid overtime for that. in. Double time. Yeah. Something like that. Probably probably for the love of it. No. You're right. Yeah. That's okay. You're fine. No need to worry. I've got plenty of time. I'm here for you. It's not an issue. Actually, it worried But me because the tech says something about must have been not far about 06:30. That's pretty late for them. yes. Yeah. It is. It's 06:30 my time. Yeah. No. You are honestly fine. You're fine. I generally work till seven Queensland Alright. time on a Thursday, but because you're in WA, when my team members asked me, I said, absolutely.","start_word":223,"end_word":346,"sentiment":"neutral","sentiment_score":0.06289143241461247},{"text":"It is fine. I will stay here and be here for you.","start_word":347,"end_word":358,"sentiment":"positive","sentiment_score":0.4461091458797455},{"text":"Don't you worry. That's what you pay us for. Alright. Let me see what I can do. Yeah. You're right. If you find you can't access it, honestly, it's not a problem.","start_word":359,"end_word":390,"sentiment":"neutral","sentiment_score":0.18263579905033112},{"text":"I can go through things with you.","start_word":391,"end_word":397,"sentiment":"positive","sentiment_score":0.3429167568683624},{"text":"It's just sometimes easier when you're looking at it. That's all. Michael, just to kinda let you know before we go through and discuss anything personal, I do have to report our call moving forward with any and quality purposes. Are you comfortable with that? Yep.","start_word":398,"end_word":443,"sentiment":"neutral","sentiment_score":0.1664087325334549},{"text":"Yes. Beautiful.","start_word":444,"end_word":445,"sentiment":"positive","sentiment_score":0.4545713663101196},{"text":"And just a little quick security check there for you as well. I just need you to confirm your full name, your date of birth, and address I should have on file. Alright. Yeah. It's it's it's Michael with X. Yep. '26 to the fourth nineteen sixty three. Yep. Camilo WA. Is that all? Can't think Yeah. of That's an account. actually fine. No. No. You did good. All good. Yeah. I've got you're Dana? Dana. Yeah. Yep. Yeah. That's I've the got one. your I've got your email in front of me now.","start_word":446,"end_word":539,"sentiment":"neutral","sentiment_score":0.0942232832312584},{"text":"Beautiful.","start_word":540,"end_word":540,"sentiment":"positive","sentiment_score":0.33868491649627686},{"text":"So with that one there, if you open it up and press Yeah. on the sign button, it'll just take you through so you can view the document. But I will never ask you to sign anything you haven't read. So it won't ask you to sign anything until you've gone through those. Okay? Yeah.","start_word":541,"end_word":595,"sentiment":"neutral","sentiment_score":0.10361317545175552},{"text":"Excellent.","start_word":596,"end_word":596,"sentiment":"positive","sentiment_score":0.3654903173446655},{"text":"Alright. And the first document, when you are able to see it, it should say summary of superannuation and insurance there. Yeah. Can you see that? Is that working for you? What did you want me to find? Sorry. I was just The trying first document to read your part that of it. yeah, you're right. The first document that should show up should say summary of the renuation and insurances. Yeah. Good. A I Yep. have your own signed document. You Yep. will you will I'm bringing up. There should be a tab on the top of there. It might say sign document or sign here. No. It's just got a location now. Allow while using this site? Probably. Oh, there it is. Summary You got of it? twentieth of That's August the one. '26. Yes. Oh, ninety seven thousand then. Yeah. So we're sitting at 97,000 in Hub 24 there. $97,095.13. I want to get that 13<unk> there. Yes. Yeah. And then in in Australian, so with the last research, we were able to get there. I'm currently showing 26,607 and 15<unk> there. So I do wanna kinda move a little bit of money out of the screen super into Hub twenty four to make it kinda keep working for you. But I also kind of wanna update and change your portfolio a little bit as well because I had a bit of a look at things, and there's Yeah. definitely some changes we can make to kinda make things work a bit harder for you. Okay? Yeah. Yeah.","start_word":597,"end_word":859,"sentiment":"neutral","sentiment_score":0.05845513475258541},{"text":"Sounds good.","start_word":860,"end_word":861,"sentiment":"positive","sentiment_score":0.4307202100753784},{"text":"The the insurance is on the bottom there. Now we've kinda kept those in place because that was more your comfort level.","start_word":862,"end_word":883,"sentiment":"neutral","sentiment_score":0.20727644860744476},{"text":"You still feel that they're appropriate.","start_word":884,"end_word":889,"sentiment":"positive","sentiment_score":0.35437145829200745},{"text":"Are you still happy keeping those insurances in place that's still important for you to retain? Yeah. Yeah. You never know when you're Yep. gonna need it. Yeah. Absolutely. Now these insurances within Australia, they do get to the point where they do actually expire. Normally, income protection and PPD will expire first, and then life expires later down the track. That's why they kinda keep getting lower and lower values. But for the time being, keeping them there for another year, if that's important to you, then we'll absolutely do that. Just making sure you're comfortable with that. Yeah.","start_word":890,"end_word":989,"sentiment":"neutral","sentiment_score":0.04769333079457283},{"text":"We'll do Yep. Beautiful.","start_word":990,"end_word":993,"sentiment":"positive","sentiment_score":0.44179025292396545},{"text":"And just to kind of explain, with the insurances, do you understand that. how they work? Do you have any questions around the different types of cover, how they pay, what happens, or anything like that? I think of roughly no one that I understand. It's because Yeah. the the Did you want me to the the insurance part of it normally covers you if you're injured or not work or something like that or not. yeah. Yeah. Did you want me to give you a brief run through of the three different types of cover and how they work? Yeah. If No worries.","start_word":994,"end_word":1095,"sentiment":"neutral","sentiment_score":-0.004215449679131601},{"text":"So your life cover is very straightforward.","start_word":1096,"end_word":1102,"sentiment":"positive","sentiment_score":0.35608744621276855},{"text":"It pays out you like. a a benefit in the event that you pass away. If you were to pass away based on the current level of cover you have, the 9,000 is paid out to your beneficiaries, but then your super balance is also paid out. So you've also got the $26,006.00 7 and 15<unk>, plus to have 24 balance and the 9,000 of life cover. So overall, the total death benefit you you have is a 132,702 and 28<unk> there. Okay? In the event of passing, and I'm sorry. These are terribly conversations to have, but in the event of passing, where is it that you want that money to be paid to? Who is your beneficiary that you would prefer to have that paid Alicia to? Jack. Lisa Jack. Beautiful. And she's yourself? Yeah. Yep.","start_word":1103,"end_word":1243,"sentiment":"neutral","sentiment_score":0.09785452485084534},{"text":"Beautiful.","start_word":1243,"end_word":1244,"sentiment":"positive","sentiment_score":0.4032794237136841},{"text":"So you have a binding in nomination. That essentially means that within Australian Super, that nomination has to be redone every three years. It is due to be done again next year, so I'll make sure that we have that completed for you prior to it being updated. But Yeah. on your hub twenty on your hub twenty four super fund, you actually don't have a beneficiary nomination in place. So I do wanna make sure that that is updated, and we have that nomination made for you. So just confirming, you want a 100% of all your super to be paid to Alicia? Yeah. That's right. Yep.","start_word":1244,"end_word":1352,"sentiment":"neutral","sentiment_score":0.11685172468423843},{"text":"Beautiful. Are you comfortable with us prefilling that nomination for you to make it easier?","start_word":1352,"end_word":1367,"sentiment":"positive","sentiment_score":0.3987750709056854},{"text":"Yeah. Yes, please. Yep.","start_word":1367,"end_word":1371,"sentiment":"neutral","sentiment_score":0.2715843617916107},{"text":"Beautiful.","start_word":1371,"end_word":1372,"sentiment":"positive","sentiment_score":0.5881097316741943},{"text":"And just to confirm, so with twenty four, they actually have a couple of different nomination options for you. You can have a binding, like, the same as what you have on Australian Super, which means you just refill the document out every three years, or I can actually make it a binding non lasting nomination, which means you do it now. We leave it on file. I check it with you every year, and it only has to be updated if you wanna change the person that you're nominated. Which way would you prefer to go? The last one, I think, would be alright. Yeah. Yeah. We'll fill it out once and not have to again unless you just change your mind. Yeah. Yep.","start_word":1372,"end_word":1494,"sentiment":"neutral","sentiment_score":0.1365918799386761},{"text":"Perfect. The least amount of paperwork we have that you have to do probably is the best way to go.","start_word":1495,"end_word":1514,"sentiment":"positive","sentiment_score":0.44398197531700134},{"text":"There's nothing there's nothing all the time.","start_word":1515,"end_word":1521,"sentiment":"neutral","sentiment_score":0.19125044345855713},{"text":"Absolutely. Fantastic. Not a problem.","start_word":1522,"end_word":1526,"sentiment":"positive","sentiment_score":0.5431901812553406},{"text":"Well, I will get that sorted for you, get the team to send it out for you to be signed. Did you want it emailed or posted? What's the easiest or best option for you to have that signed and returned? I can do both if you would like. Yeah. It's 25. Yep. Yep.","start_word":1527,"end_word":1580,"sentiment":"neutral","sentiment_score":0.17846617102622986},{"text":"Beautiful.","start_word":1581,"end_word":1581,"sentiment":"positive","sentiment_score":0.5759063363075256},{"text":"And then I'll get my team to follow it up for you as well to make sure that we can have that applied because the last thing I would want for you is something to happen, and that's super not to get to where you want it to be or for it to go through a probate process and make it difficult on Alicia. So I'll get Yep. that organized ASAP for you.","start_word":1582,"end_word":1654,"sentiment":"neutral","sentiment_score":0.16651344299316406},{"text":"Beautiful. Okay. That sounds good. Excellent.","start_word":1655,"end_word":1660,"sentiment":"positive","sentiment_score":0.5584351420402527},{"text":"Now with TBD, that's total permanent disability, it pays out a benefit in the event that you're unable to ever go back to work again. So you've only got about 5,000 of cover there with TBD. But, again, given your age, you can actually you're not able to go back to work again, also access super. And because you're over 60, the TBD benefit and access to your super is all tax free. Do you Yeah. realistically have a disability benefit of about a 128,702? Okay? Yeah.","start_word":1661,"end_word":1747,"sentiment":"neutral","sentiment_score":0.15038080513477323},{"text":"Excellent.","start_word":1748,"end_word":1748,"sentiment":"positive","sentiment_score":0.4921380877494812},{"text":"And then your income protection pays out a, technically, a monthly benefit in the event that you're unable to go back to work ever again. Income protection is generally important when we can't access super, but if anything happened, you were not able to go back to work because you're over 60, you can actually also access your super there. So income protection is still important for you to keep a bit longer. Is that right? Yeah. Might Yep. Yeah.","start_word":1749,"end_word":1828,"sentiment":"neutral","sentiment_score":0.06968363374471664},{"text":"That's absolutely fine.","start_word":1829,"end_word":1831,"sentiment":"positive","sentiment_score":0.4282527863979339},{"text":"as You do as if you see on the bottom there, you do have well a waiting and benefit period on that income protection policy. be. So it means you just have to be off work for sixty days prior to you making a claim, and then Yeah. you can be on a claim for up to two years in the event that something was to happen. Okay. Yeah. Okay.","start_word":1832,"end_word":1901,"sentiment":"neutral","sentiment_score":0.15920084714889526},{"text":"All That's good. good. All good.","start_word":1902,"end_word":1907,"sentiment":"positive","sentiment_score":0.4706131517887115},{"text":"Yeah. You're not paying a great deal for it out of the Australian Superfund. You paid about $893 to keep those insurances in place for this year. That, Yep. obviously, the insurances do get less and less. So we'll keep kinda going through and checking with you each year. And whenever you're comfortable canceling them or when you feel you no longer need them again or if they just expire, then we can always look to consolidate your funds and put everything into hub twenty four. But for the moment, keeping Australians is important whilst you're wanting those insurance in place. Okay? Yeah. Alright.","start_word":1908,"end_word":2011,"sentiment":"neutral","sentiment_score":0.004184884484857321},{"text":"Excellent. All good.","start_word":2012,"end_word":2014,"sentiment":"positive","sentiment_score":0.4672317504882813},{"text":"Now the next document in there is your performance report, and it just has hub 24. But it essentially shows for the last twelve months there, your super has returned a performance of 6.12% net or after fee. It isn't a bad Yes. return given your portfolio, but it is a bit lower because of the market ups and downs that we have sort of seen this year.","start_word":2015,"end_word":2082,"sentiment":"neutral","sentiment_score":0.15016256272792816},{"text":"But it's good that you have sort of come up with a 6% return.","start_word":2083,"end_word":2096,"sentiment":"positive","sentiment_score":0.5743225812911987},{"text":"I did also have a little bit of a look at your super and the individual investment. I can sort of see some changes that realistically we should make. You do have one investment that is kind of underperforming a little bit at the moment, so I would like to maybe go back and maybe make some changes, a little bit updating your portfolio for you. Are you comfortable with me reviewing things and updating that for you? Yes. Yes. Yes.","start_word":2097,"end_word":2177,"sentiment":"neutral","sentiment_score":0.04075987103544636},{"text":"Beautiful.","start_word":2178,"end_word":2178,"sentiment":"positive","sentiment_score":0.47642064094543457},{"text":"If you are looking at that second document, the the internal rate of return, it sounds like you're driving. Are you driving at the moment? No. No. I'm I'm I'm sitting here looking at the the checkup with all the all the figures No. That's that I know. you're okay. I just I could hear something ticking in the background. I thought I don't wanna be, you know, asking if you're looking at documents if or if you're driving. I don't wanna be unsafe at all. But if you're looking at that second document there, the performance of internal rate of return, on the first page, it outlines all the individual investments there that you have in your portfolio. The first Yeah. one is the Benelong Australian Equities. That Yes. is giving you access to the Australian market, and that's the investment that realistically is not performing very well. Yeah. That investment manager, he it's more of an actively managed fund. So that investment manager is supposed to be trying to time the market and outperform against the market, but they haven't been able to do so. And Yeah.","start_word":2179,"end_word":2367,"sentiment":"neutral","sentiment_score":-0.08156638592481613},{"text":"I sort of think given your time of life, it's not really worth you being in an investor that's underperforming.","start_word":2368,"end_word":2387,"sentiment":"negative","sentiment_score":-0.40943336486816406},{"text":"So I'd like to remove that out of your portfolio and replace that if you're comfortable with me doing it. Yeah. No worries. What what can you replace it with? So we have some passively managed investment options, which one of the biggest differences is that Benelmong Australian equity fund, that investment holds about 15 to 25 different investments within that portfolio. I can Yeah. replace it with, like, an Australian 200 fund, which is giving you access or exposure to the top 200 companies on the ASX. And that type of investment is giving you more diversification. Alright. It's also Yep. a cheaper investment. It's not actively managed. It's more of a passively managed fund. So the investment manager is just trying to stay invested in the market and changes the investments with the in with the index, so the a 200 index, essentially. That could also be a lower cost investment, so it might be cheaper to hold, which means that your fees could decrease, which would be good.","start_word":2388,"end_word":2558,"sentiment":"neutral","sentiment_score":0.06829701216206532},{"text":"Yeah. That sounds good.","start_word":2559,"end_word":2562,"sentiment":"positive","sentiment_score":0.4634987711906433},{"text":"Yep. Yep.","start_word":2563,"end_word":2564,"sentiment":"neutral","sentiment_score":0.23601719737052915},{"text":"Beautiful. Excellent. The other investments in there have performed nicely.","start_word":2565,"end_word":2574,"sentiment":"positive","sentiment_score":0.5366243720054626},{"text":"The other ones, if you scroll down, you've got bank hybrids. These are more of a defensive investment. These are actually being phased out by the government. So I'm actually thinking I'd probably like to move that from your portfolio and replace it because Yeah. these bank hybrids are more of a complex kind of banking investment. The government's gonna phase them out over the next couple of years, so we either move them now or we wait till down the track when we have to remove them from your portfolio. So if I'm gonna No. make changes, I'd probably Yeah. do Remove that now. that. Yeah. Remove that Yeah. now. That's when Absolutely. go You've somewhere. got some I'll cyber sorry. What was that? find something that's more reliable. Yeah. Absolutely. You've also got cybersecurity in there, which has performed very nicely. The one underneath that with the ticket code Q o zed, that's the beta shares Raffi 200. That is giving you exposure to some 200 of the, you know, largest companies on the ASX market. If you've Yes.","start_word":2575,"end_word":2755,"sentiment":"neutral","sentiment_score":0.03507108613848686},{"text":"also got physical gold, which has done really, really well as one of your best performers in your portfolio over the year.","start_word":2756,"end_word":2777,"sentiment":"positive","sentiment_score":0.3725008964538574},{"text":"And then you've also got underneath that the s and p 500, and that's giving you exposure to some top 500 companies on The US market, which is, again, done really well over 10% for this year, so it's good to see. Yeah. You've also got the iCare Fios Plus. This is a lower risk investment, so it's giving you access to high income producing shares. It's done about 3%. Not great, but it's expected for this kind of investment. And then the last one there is the JPMorgan asset management fund.","start_word":2778,"end_word":2869,"sentiment":"neutral","sentiment_score":0.21159836973833},{"text":"That has done very, very well.","start_word":2870,"end_word":2875,"sentiment":"positive","sentiment_score":0.6147698760032654},{"text":"That, again, is a bit of an actively managed fund, so it's utilizing JPMorgan's research team to kind of climb the market, pick investments that are doing really well.","start_word":2876,"end_word":2904,"sentiment":"neutral","sentiment_score":0.3178656995296478},{"text":"It has done very, very well for you.","start_word":2905,"end_word":2912,"sentiment":"positive","sentiment_score":0.6496802568435669},{"text":"But the other thing I kinda wanted to check-in with you is when we look at risk in a portfolio, you you have, like, the risk where you have growth and defensive assets and that kind of risk factor, but you also have risk in active and passive managed funds. So where there's managed funds that the investment managers try to tie in the market and pick investments, you actually take a bit more risk to have those investments in there because if they time it wrong, if they don't pick the right investments, it can affect your portfolio. Having passively managed funds can also reduce risk of your portfolio. Because of your age and stage and where you're at in life, would you like me to maybe alter the portfolio to reduce that risk and have it more passively managed, or do you wanna see some of that active management in there and comfortable taking a bit more risk in your portfolio? Does that No. make sense? And do you have questions? Yes. No. I've never disappeared. Reduce the risk. Yep. Beautiful. I can do that for you. We'll look at some passive funds. Beautiful. So that's sort of how your portfolio is performed. I've got some good ideas to remove those for you. But, realistically, in the last twelve months, the 6% return isn't bad for your portfolio, which is good.","start_word":2913,"end_word":3145,"sentiment":"neutral","sentiment_score":0.04951858893036842},{"text":"We just wanna keep building on that for you.","start_word":3146,"end_word":3154,"sentiment":"positive","sentiment_score":0.3874722123146057},{"text":"Okay? Yeah. Yep.","start_word":3155,"end_word":3157,"sentiment":"neutral","sentiment_score":0.20707187056541443},{"text":"Sounds good. Beautiful. Beautiful.","start_word":3158,"end_word":3161,"sentiment":"positive","sentiment_score":0.5268364548683167},{"text":"The next couple of documents in there is the Vanguard index chart. Is this gives you an idea and a guide of how markets change and react over time? I'm kind of not gonna bore you and go through a lot of that. It's just a bit of a guide. Did you wanna kind of go through the index chart and talk about how investments move and the different types of investment risks and things like that, or are you happy with what we've kinda gone through? No. That's fine.","start_word":3162,"end_word":3251,"sentiment":"neutral","sentiment_score":0.1086122321585814},{"text":"That's that's that's good That's stuff.","start_word":3252,"end_word":3257,"sentiment":"positive","sentiment_score":0.4400182366371155},{"text":"That's all I need to know. that's okay. Not everyone's that interested in the investment side of things, so we keep adding there as a bit of a guide. It's a bit of a talking point. It's Yeah.","start_word":3258,"end_word":3295,"sentiment":"neutral","sentiment_score":0.06200503930449486},{"text":"all good.","start_word":3296,"end_word":3297,"sentiment":"positive","sentiment_score":0.3479762077331543},{"text":"I I The wouldn't next understand document it all anyway. that's okay. You're fine. The next document in there is the financial service It's got that outlines everything about who we are, what we do, and how we do it.","start_word":3298,"end_word":3337,"sentiment":"neutral","sentiment_score":0.05517120286822319},{"text":"We've updated it recently as well, so it's got a lovely picture of me in there.","start_word":3338,"end_word":3353,"sentiment":"positive","sentiment_score":0.3696800768375397},{"text":"I always tell people it's a pretty boring document.","start_word":3354,"end_word":3362,"sentiment":"negative","sentiment_score":-0.3435164988040924},{"text":"If you have trouble sleeping one night, you could whip that one out and have a bit of a read. But, otherwise, Yes. it this is kind of a a legal document that allows everything about who we are as advisers. It has all of our licensing information there for you and all of our services as well. Okay? Yeah. The last document on there is the ongoing service agreement for the next twelve months there. So you are on an ongoing service fee for our services for having us look after your super and continue to update the advice and work towards your goals there. It is 1.65% per annum. As of next year, our ongoing service fee structure changes a little bit. Essentially, we'll end up with a tiered structure. So once your balance gets over 200,000, then the percentage drops a little bit until 500,000, and it continues to drop as your balance increases. We go into the next tier structure. So your balance will increase, and the next tier is a lower percentage fee. At the moment, it's not really gonna affect your super balance, but I wanna get you up there so you can kind of go through the tiered structure and reduce that percentage each time. But for now, it's just that 1.65%, and that is per annum. And it said deducted from your super account on a monthly basis in smaller monthly increments. Do you have any questions about how the fee structure works?","start_word":3363,"end_word":3613,"sentiment":"neutral","sentiment_score":0.00519636832177639},{"text":"Or No. That's rough. not beautiful.","start_word":3614,"end_word":3619,"sentiment":"negative","sentiment_score":-0.5597386956214905},{"text":"Beautiful. Well, once you've had a look through those documents, if you are comfortable to sign those, I will get you to sign and return them back. The last document as you are signing to them is the tax file opt in form. So it's essentially just letting you know that we hold your tax file number. We do so we have to because we set your super account up. Yeah. But because Yeah. we are very security conscious, we just wanna let you know that we hold this personal information, how and why, and this document outlines that for you. Okay? Yeah.","start_word":3620,"end_word":3722,"sentiment":"neutral","sentiment_score":0.09514842167930695},{"text":"Excellent. All good. Thank you so much for that.","start_word":3723,"end_word":3731,"sentiment":"positive","sentiment_score":0.6654058694839478},{"text":"I'm just gonna run through and update a couple of details there with your circumstances currently just to make sure when I'm updating the advice that I have the correct information. Just checking income wise, we had you on about 70,000 per annum. Are you still on that have you had a pay rise? No.","start_word":3732,"end_word":3786,"sentiment":"neutral","sentiment_score":0.13458649814128876},{"text":"No. No. That's not right with me.","start_word":3787,"end_word":3793,"sentiment":"negative","sentiment_score":-0.5425500869750977},{"text":"Yeah. No? Oh, you'll worth more money than that, especially Yeah.","start_word":3794,"end_word":3804,"sentiment":"neutral","sentiment_score":-0.2391236126422882},{"text":"Some people don't agree with you.","start_word":3805,"end_word":3810,"sentiment":"negative","sentiment_score":-0.4304496943950653},{"text":"today. Oh, I have to have a chat to them. I'll tell you what. Yeah. All good. So about 70,000 is correct. Is that right? Yes. Yes. That's okay. We also were able to save on a weekly basis around about 50 to $200 per week depending on bills and expenses. Are you still finding that or you're sort of finding it harder to save at the moment? You'd have to ask the wife about that. She Not real she she sure. yeah. She looks after all the the financial things and doing that sort of thing. It it is a Yep. little bit That's tough. yeah. That's okay. That's not a problem at all. I've also got your main primary residence down. We had an asset value of about 3 oh, sorry. Yeah. About 300,000. What kind of value would you put on your house now, do you think? As far as I know, it's going up, but I I'm not too sure what it what it's sitting at. It's it's sitting at a friend of mine was going through things when we were looking at renovate for I don't know what reason. Yeah. And at our property, possibly, if we sold it tomorrow, which we wouldn't or something like 700,000 or something like that. Something Mhmm. crazy. Yeah. Wow. That's crazy, isn't it? Yeah. It's great, But that's though. yeah. Yeah. Yeah. But but they're all over to me because that's like what was one thing you remark about is another thing you're selling it. It's Yes. Yes. It's what just someone yeah. would pay for it. Yeah. You gotta you gotta find yeah. You gotta find a flyer. So yeah. That does that does it. It's all good on paper, but it doesn't always work out. Yeah. Absolutely. No. All good. With the loan on the property, we had you owing about a 120,000. Have you been able to reduce that recently in the last year? A little bit. I can't remember what it was now. No. That's okay. Would it be just under that 120 or around about Even we have puppies are very close to it, I think. You the same? know how the Yep. interest That's works. it. It's Yeah. terrible. That's okay. I'll just I I will just note a 120,000 and just say it should be a little bit lower than that. Yeah. Yeah. I I think it is lower than that, but I I wouldn't I wouldn't like to say it without checking it. That's okay. You're absolutely fine. Your car we had, it doesn't tell me what car it is, but an asset value of 8,000. Is that one of your cars you'd value close to that? Yeah. Yeah. We've got two cars. One one's a Dodge Journey 2016. I think it's I Yep. think it's roughly but it's just over $10,000 when we bought Beautiful. it about two, three years ago. Yep. And the one I'm the one I'm seeing at the moment, it's a it's a Dodge caliber, and it's probably Yep. worth probably worth I think I paid 7,000 on it. So it's probably Yep. worth about probably 6.5, maybe 5. Okay. Yep.","start_word":3811,"end_word":4346,"sentiment":"neutral","sentiment_score":-0.032406611008388896},{"text":"Beautiful.","start_word":4347,"end_word":4347,"sentiment":"positive","sentiment_score":0.3782541155815125},{"text":"And both those No. Dodge Dodge vehicles are debt free. You don't owe any money on them No. at all? No. They're out. Yeah. Yep. Beautiful. What we do I've also what got we do a is pay the insurance and the registration. yeah. Lovely. All the taxes. Yeah. I've also got a Hyundai Accent. Do you still have that vehicle? No. We sold that. Sold that one. Beautiful. And I've also got, I believe, another car down valued at 15,000, but I would say it's probably the other Dodge, the caliber that we just talked about then. Yeah. Yeah. That's the one. Yep. Yep.","start_word":4348,"end_word":4452,"sentiment":"neutral","sentiment_score":0.03006323240697384},{"text":"Beautiful. Fantastic. Thank you for updating that.","start_word":4453,"end_word":4459,"sentiment":"positive","sentiment_score":0.55193692445755},{"text":"Do you have any other debts or credit cards or anything else or any other assets you'd note down? Yeah. No credit card. No? Nothing comes to mind substantially. Right? No. That's okay. That's absolutely fine.","start_word":4460,"end_word":4495,"sentiment":"neutral","sentiment_score":0.06947465240955353},{"text":"Thank you for updating those details there.","start_word":4496,"end_word":4502,"sentiment":"positive","sentiment_score":0.3888986110687256},{"text":"I had down here so we were looking at originally your goal of retirement or accessing your super. Just double checking. Around about age 67, is that still technically your goal for being able to access super? Yeah. Yeah. At the moment. Yep. Yep. That's okay. Beautiful. So, realistically, just double checking. So you're 63 this year. Is that right? Yeah. I tried. '63 now. Yeah. That's okay. I was just doing some quick math with the date of birth. So '67 for a time. Beautiful. '63 now. Essentially giving you about four years until you're wanting to access super. Am I on the right track with that? Yeah. That's better. Yep. Beautiful. And does does your partner work as well? Does Alicia work? No. She's at home. She's Okay. she's a care for one of our children. Okay. No worries. So she wouldn't have much super. So in retirement, it's sort of your super and age pension Yeah. accessibility. Is that right? Yeah. I I don't know how how I think it went because she's worked for a little while. I think it's if if they didn't take a look on it, she's she's only got a probably a tiny little month amount in somewhere. Anyway. Okay. That's alright.","start_word":4503,"end_word":4712,"sentiment":"neutral","sentiment_score":0.020288590696595964},{"text":"Not a problem.","start_word":4713,"end_word":4715,"sentiment":"positive","sentiment_score":0.3524564504623413},{"text":"Just so I've got a bit of an idea. Because when I go back and sort of look at changing your investment for you, I can project forward over the next sort of four years to look at where we might be able to end up. And what that looks like, you know, with age pension eligibility. So it's something that I definitely look at when we get closer. And when you actually retire and wanna access super at 57, I can help you with the age pension side of things as well and look at how to access age pension, but then how to supplement with what's super you have to try and make it last as long as possible for you. Okay. Yeah. Yeah. Yeah. All good. The only other thing I don't have on here, do you happen to know Alicia's phone number off by heart? No. But I can get it to No. you. Yeah. That's okay. It's just the next of kin. I've got Alicia down as next of kin for you. I just need to update the phone number. We won't call her for any reason. It's more just if we can't get a hold of you, it's just giving Yeah. her a call to see, you know, how we how we catch you. That's all. Yeah. Are you still there? Yes. Yes. I thought I thought I thought I thought I thought I thought I thought the wrong button there. It's it's Alicia's phone number is 04 Yep. 24 Yep. 3384 Yep. 882.","start_word":4716,"end_word":4975,"sentiment":"neutral","sentiment_score":0.0873376727104187},{"text":"Beautiful. Thank you so much for updating that. Appreciate it.","start_word":4976,"end_word":4985,"sentiment":"positive","sentiment_score":0.5938064455986023},{"text":"Yep. The the other thing down the track, at the moment, given your super balance is a little bit lower, there are other strategies that we can kinda put in place down the track, like trends through a time a time and strategies and things like that. I don't know if that would really work at the moment, but your balance is a little bit lower. But down the track, if that works out for you, are you open to other strategies and maybe adding more money into super, like salary sacrifice and things like that to kinda boost your super. Are you open to or you're finding it's not really possible? Yeah. We have to discuss that later though at the moment. Later. No. That's okay. That's not a problem at all. I can sort of hold off those additional strategies to later right now. Just look at, you know, maneuvering your investors a little bit and trying to give you a super a bit more of a boost that way. Okay. Yeah. Yep.","start_word":4986,"end_word":5160,"sentiment":"neutral","sentiment_score":0.07542757132223674},{"text":"Alright. Excellent.","start_word":5161,"end_word":5162,"sentiment":"positive","sentiment_score":0.5950101017951965},{"text":"And the last thing I just wanted to do with you there is just to go through an updated risk profile just to make sure you are invested in the correct portfolio there and just to see whether I need to reduce or look at your risk level as well. The K. just a sorry. You you know You're right. you know what you could do about what that last thing you talked about? Could you send me something Mhmm. a basic outline of how much would it be beneficial to salary sacrifice to make a difference or whatever? Yeah. Would you like me to incorporate that into the advice to show you what that might look like? I could always recommend to change the investment portfolio. Did you want me to incorporate maybe adding Yeah. some salary sacrifice in there and showing you what that could do long term? Yep. Yeah. There I could always do it two ways, but I could look at what's beneficial for you to kind of boost your super as much as possible, or I could start with a certain level that you're comfortable with. Is there an amount that you'd be comfortable starting to salary sacrifice to give you super boost, or did you want me just to recommend, you know, the best option to kind of build on that? Yeah. We did just just recommend because I'd have to really talk to the wife about that first. Yep. That's okay. Not a problem. I'll have a look at the options. You were a while ago sort of saving between 50 to $200 per week. Did you want me to kinda keep it within that range so it doesn't look like I'm overextending your expenditure much? Yes. I'm alright then. Yes.","start_word":5163,"end_word":5460,"sentiment":"neutral","sentiment_score":0.11101749239351924},{"text":"Okay. Beautiful. I'll look at the options there and see what we can do. We can always start smaller and build on that as well, but I'll recommend something to sort of show you how to build super as much we can over the next four years there for you.","start_word":5461,"end_word":5510,"sentiment":"positive","sentiment_score":0.38483938574790955},{"text":"Okay? Yep.","start_word":5511,"end_word":5512,"sentiment":"neutral","sentiment_score":0.2125526666641235},{"text":"Alright. Fantastic. Excellent.","start_word":5513,"end_word":5515,"sentiment":"positive","sentiment_score":0.5862911343574524},{"text":"Just with the risk profile question, I've answered most of the questions pretty well for you already. The next the the first one I wanna kinda ask you is about inflation. So it says inflation means that things are getting more expensive over time, which makes our money worth less. How much risk are you comfortable taking in order to make sure your returns are keeping up with inflation? So when you think about your super, are you comfortable taking a higher level of risk to try and get the best returns you possibly can, or are you comfortable taking a moderate or medium amount of risk to trying to get the best returns you can, or are you realistically not comfortable taking risk to knowing returns are lower? Where would you see yourself bidding? In the in the Modbus one. In the middle? Yep. Beautiful. Okay. Yep. That's okay. The Not next too one here is how would sorry. You're right. yeah. Not not not too excessive, but at the same time, not not being too cautious. Okay. Yeah. Absolutely. The next one here is saying if you look at your super in the next six months and it had fallen by 20% due to what was happening in the market globally, how would you be feeling? Are you maybe excited about the investment opportunity, wanna put some more money into it? Are you a bit nervous maybe calling us and talking it through and seeing what we can do to help or what's happening? Or are you likely to want to submit the loss and sell the investments to cash? How do you think you might be feeling? Oh, I'm not too sure. I'll be I'll be contacting you just to see what what the best What move to do? to go. Yep. Yep.","start_word":5516,"end_word":5821,"sentiment":"neutral","sentiment_score":-0.0024879002407972328},{"text":"Absolutely.","start_word":5822,"end_word":5822,"sentiment":"positive","sentiment_score":0.41873663663864136},{"text":"The next one here is a bit of a bizarre one, but it is worth asking. What kind of average rate of return are you hoping to achieve from your portfolio? Are you, one, hoping to get the best return you possibly can each year, the 8% and above? Are you too comfortable with the moderate six to 8%? Are you comfortable with the conservative four to 6%, or are you comfortable just getting two to 4% per year compounding that forward? The middle one, I think. 6% The yep. Yep.","start_word":5823,"end_word":5913,"sentiment":"neutral","sentiment_score":0.06670058518648148},{"text":"Perfect.","start_word":5914,"end_word":5914,"sentiment":"positive","sentiment_score":0.5470796227455139},{"text":"And the second last one oh, so the last one here is have you ever considered borrowing money from a bank or financial institution to invest in shares or manage funds, or have you only ever been comfortable borrowing the same property? Neither really. No. Just for your own home, really? Yeah. Yes. That's okay.","start_word":5915,"end_word":5969,"sentiment":"neutral","sentiment_score":0.015041140839457512},{"text":"Perfect.","start_word":5970,"end_word":5970,"sentiment":"positive","sentiment_score":0.5078088045120239},{"text":"Now with where you scored at the moment, you have scored as more of a moderate investor. Now the portfolio you're in in your super is more balanced growth. So, typically, you see about six sorry. 70% of your super invested in growth assets. These are things like Australian shares, international shares, gold and silver, so precious metals, and also fixed property. And then the other generally 30% invested in low risk defensive assets, so cash, bonds, fixed interest. That balance growth environment suits someone who's got about five years before they're accessing their funds. You can be Yeah. in that a little bit longer if you you know, if you're four years out, that's absolutely fine if you're comfortable with that. Yeah. It The sounds. likelihood of an you're right. The likelihood of a negative return is about one in every six years, and the expected rate of return is around about six to 8% on a yearly basis compounding forward. Yeah. With where you are, depending on how you feel, if you're you have about four years, so you're wanting to access your super realistically. So I would normally be wanting to kind of move you down to more of a conservative sort of portfolio. But given that your balance is a little bit lower, are you sort of wanting to hold on to where you are and try and get a bit more growth to build on that, or are you feeling a bit nervous about the market and maybe wanting to reduce your risk level and drop down a bit? How are you sort of feeling? Probably drop down a little bit. Yeah. So the next portfolio down is the balanced environment, and we drop at the risk level by about 10%. So we end up about 60% invested in those growth assets, so the shares and the property and the metal, and then about 40% in low risk defensive investments, so cash, bond, fixed interest. Yeah. That's This one it. afraid to return, that feels a bit Yeah. more comfortable? Yeah. Yep. That one.","start_word":5971,"end_word":6319,"sentiment":"neutral","sentiment_score":0.0065993812244737726},{"text":"Beautiful. Excellent.","start_word":6320,"end_word":6321,"sentiment":"positive","sentiment_score":0.5994682312011719},{"text":"So part of your soup part of your super statement of advice, I'll go back and I'll reduce your risk a little bit to the balanced environment. I'll keep your Australian super open for a bit longer to keep your insurances in place. I'll Yep. factor in some salary sacrifice for you as well, and I'll look at how we're going towards age 67 and project it in a little bit of Centrelink for you as well. Does that sound okay? Are you comfortable with me doing all that? Yes. Yep.","start_word":6322,"end_word":6412,"sentiment":"neutral","sentiment_score":0.18880972266197205},{"text":"Beautiful. This is all part of your ongoing service agreement, so there's no additional fees with advice. This is just the advice I'm providing to help you along and make sure your super is working at its best so you get the best out of your retirement.","start_word":6413,"end_word":6459,"sentiment":"positive","sentiment_score":0.4238613247871399},{"text":"Okay? Yep. Alright.","start_word":6460,"end_word":6462,"sentiment":"neutral","sentiment_score":0.17087721824645996},{"text":"Thank That's okay.","start_word":6463,"end_word":6465,"sentiment":"positive","sentiment_score":0.33418378233909607},{"text":"Do you have any questions for me? Is there anything that I might not have touched on that might be important for you today or anything I've missed or you need more clarification on? you. No. I'm not real I think I'm good with everything.","start_word":6466,"end_word":6510,"sentiment":"neutral","sentiment_score":0.006670308765023947},{"text":"Beautiful. All good.","start_word":6511,"end_word":6513,"sentiment":"positive","sentiment_score":0.4410625994205475},{"text":"Well, I will get stuck into that document there. It does take a couple of weeks to put the advice together. So once I've got it together, my team will come back and let you know. In the meantime, if you can sign that annual review documents and grab them back to us, that would be fantastic. We sort of need to make sure that we have the annual agreement on file so that we can keep providing advice and looking after you. But if you find you have any questions, Michael, you're welcome to let me know. Okay? Yep. I'll have a look at it.","start_word":6514,"end_word":6619,"sentiment":"neutral","sentiment_score":0.2121940733126874},{"text":"Beautiful. Thank you so much for that. I'll talk to you in a couple of weeks, and we'll go through the advice document nice and clearly.","start_word":6620,"end_word":6645,"sentiment":"positive","sentiment_score":0.6564363837242126},{"text":"And in the meantime, if there's anything you need, please let me know.","start_word":6646,"end_word":6658,"sentiment":"neutral","sentiment_score":0.3218630254268646},{"text":"I'm more than happy to make extra time. And thank you so much for taking my call this afternoon.","start_word":6659,"end_word":6677,"sentiment":"positive","sentiment_score":0.7746772170066833},{"text":"I know you've had a long day. Probably itching to get home. Yep. Yep.","start_word":6678,"end_word":6691,"sentiment":"neutral","sentiment_score":0.11875013262033464},{"text":"No worries. Thanks for that. Thanks, Michael. Enjoy your afternoon. Talk to you soon. You too.","start_word":6692,"end_word":6707,"sentiment":"positive","sentiment_score":0.5972567796707153},{"text":"Bye bye.","start_word":6708,"end_word":6709,"sentiment":"neutral","sentiment_score":0.281059592962265},{"text":"Thanks. See you later.","start_word":6710,"end_word":6713,"sentiment":"positive","sentiment_score":0.5532466173171997}],"average":{"sentiment":"neutral","sentiment_score":0.08593017183183761}}}}