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Mate, I'm just giving you a call to go through the couple of queries you had for the super and the contributions. Do you still have a bit of time this morning? Perfect. So just before I jump into it, mate, are you okay for the call to be recorded? Awesome. And just for the usual security process, so I'm registered with ASIC as adviser 1273105. Are you okay to confirm your date of birth address, please? Thank you so much for that, John. Mate, I've had a bit of a look at your file this morning. I was talking to Kyle, your adviser, who is going through some updated advice with you. I've crunched a few numbers today and just wanted to double check with you. Was the main two things just to talk about your contributions and the volatility of your super. Perfect. First thing I wanna do is quickly do is I've just been going through your contribution history for the last twelve months. I've gotten your last twelve months of contributions. You're still doing that $100 a week salary sacrifice. And your contributions from work, they work out to be around about 22 and a half thousand for the last twelve months and then another $5 on top for the salary sacrifice. Puts you at about just over 27 out of the 30 for this financial year. Now going backwards, when we're looking at carry forward contributions, have you ever logged into your myGov account to work out how much of an unused cap you have? Perfect. Perfect. So you've got the six month details. That would have been still this financial year, which is perfect. Now we have actually switched systems in January. So I've been trying to go through old archives and new file notes. Do you know if you may have provided that to us already? K. So when I go through your assets that Carl took down in the last conversation, it shows that you had a solid couple of $100,000 in savings. So what I wanted to double check with you is were you looking to do a bit of a lump sum contribution before the end of the financial year, or what were you kind of thinking? Yeah. Yeah. Yeah. And because you don't really have much in the way of debts at the moment, do you? Yeah. So it really depends, like, because of your, like, your taxable income, we we had you at about a 160,000, which kind of works out pretty close to what I'm seeing in contributions coming in. If you did put an extra little lump sum in, obviously, you'd get that tax deduction between the 37% and the 15% that goes into super. So you would save 22¢ on the dollar, and it'll boost up the super, but it'd be locked away until 60 plus. So it's possible to do. It will give you a pretty big benefit, but it depends on your priorities for what you would like to use the cash for, if there's other things you would prefer to have it there for. Yep. And to be honest look. If you've got all of the, like, the car purchase and the renovations to do, it's not make or break. So you're already earning a decent amount. You've got a lot of contributions. You're salary sacrificing. Your high growth portfolio has a really good, like, long term return. So to get you into that retirement goal, you're going to be in this period. Like, I guess, the way I'd give you perspective on it is you're sitting at 437,000 today in the super. Most of the time, people spend their first twenty years of working life building up their their base. Because when you're sitting there with 30,000 in your super and you get a 10% return, it's $3, which is nowhere near what you're putting in in contributions. Right? But now that you're sitting at 437,000, if you get a 10 or 20% return from your high growth fund, we're talking 40 to $80,000 in growth in a single year on top of almost $30 in contributions and salary sacrifice. So going from $4.37 to a million dollars over the next seven to fourteen years, it's pretty realistic. And this is the part where you make the last bulk returns to get you to your target. It doesn't mean that you have to put that extra 20 in or you're not gonna be able to retire comfortably. Do you know what I mean? So the way I would say it is, basically, if there's no other priority for the usage of the funds and you just wanna get the maximum benefit, then great. Get the tax deduction, get a bit of growth out of it in your super. But if you got other things to use it for, keep it as an emergency fund, the car, the renovations. It's not necessary. Thoughts on that? Yep. Now when it comes to the volatility, I've gone through a pretty deep dive this morning and a couple days ago with Kyle as well. Have you logged into your hub account the last couple of months just sort of watching it going up and down? No. That's fine. That's what you've got us for. Basically, because you're in that high growth, like I just said before, those percentage based returns are a big swing in dollar terms for your account balance. So any five or 10% up or down, we're talking tens of thousands. What that basically means, I'll give you an example. So towards March, we had a bit of a peak in the markets. You were sitting at $4.42, then we had a nice big dip in the stock market with all of the news articles, and you went from $4.42 to $4.14. It was $30,000. And then it jumped straight away back up in under two weeks back to $4.37. That's very, very normal in the high growth fund. So my main questioning for today is whether we keep you at a high growth risk profile because you're still in that growth phase. The way I would kind of explain it is I think we have you noted down to retire around age 65. Does that sound about right? Yep. So when I talk about growth versus protecting your super, first point is you don't wanna be high risk at the age of 64. Stock market crashes and you lose half your super a year before you access it to live on it. Do you know what I mean? So when most of the cycles play out, whether it's COVID, the GFC, or the current situation, it usually revolves over a seven year period. So the stock market grows for five years, then it crashes, and it grows, and it crashes. You essentially have two market cycles left before you retire. So the main plan that we have for you is to keep the high level of contributions going, keep the high growth returns going for this next cycle. And then after that, we have to gradually reduce your risk level in those last seven years. Because if you're sitting at 90% shares property in gold now, over those last seven years, we will gradually taper you down eighty, seventy, sixty, fifty, 40%, and then transition you into a pension. So if you're comfortable with that plan, we basically use the current situation as a bit of a buying opportunity. Your contributions come in. If the market dips, we buy some shares, some properties, some gold at a cheaper price. So when it goes back up, you get that high 20% return. Does that make sense? K. There is one thing that Carl spoke to you about, which was your Australian shares option. I don't know if you remember him mentioning Bennelong last time you spoke. Yeah. So at the time, Bennelong was the only one that was kind of underperforming, and there was a bit of a holding point to say, hey. Let's see if it kind of bounces back. The last few months, it hasn't really bounced back the way it should like the other seven options that you have because you have eight. Seven of them have done really well. One of them has done, I guess, pretty poorly, to be honest. That's probably the one where if you're comfortable to do this seven years of growth, seven years of protection, I would keep you in high growth, keep your salary sacrifice going, but switch out that underperforming investment to a like for like better option. So that's probably the I guess, the word I would use is the optimization that I would like to do, which is, okay. One apple is starting to go rotten. Let's knock that one out and put a nice fresh green apple in, and the rest of the fruit basket is doing great. And then, eventually, you can sort of jump into it for retirement. So if you're comfortable with that, you don't need to do the additional contributions, the lump sum. We don't really need to change the risk level if you're comfortable to kind of ride this out for a couple of years, but we do need to switch one of the investments around. Easy done. So after today's conversation, I'm going to get my team to research the two or three alternatives that we have in this space for Australian shares. One question I do have for you, and, obviously, I'm gonna make a recommendation with Kyle, but I want you to kind of give me your gut feeling on this question. So you can choose between two styles of investment. You've got the lowest fees, which follows the market up and down. We call that passive. Or you can pay a slightly higher investment fee for a fund manager to try and pick and choose stocks and try and get you a better outcome than the general market. Do you have a strong leaning between going to the lowest fees or paying a bit more to get a higher return? Well, your current option I'm looking to switch out is currently sitting at about 1% investment fee. We do have an alternative, which is, like, slightly cheaper but much better performance but still active, or we can switch it to a lower fee option. So I've got a really good option in either pocket. I just wanna know, do you have, like, a strong leaning where you go, no. No. No. Please lower my fees, or I'm comfortable to maintain the current style. Just improve it. Yep. Easy done. If you're at all curious, I can kind of share with you those options. But what I would like to do essentially is once I've done that comparison, we'll put it in an updated statement of advice so you've got it in writing, and then my team will pretty much book you in to run through that document, make sure you're comfortable with what we're gonna change. And once you sign off on that, we can switch the investments around. Is that okay? Perfect. Now because Kyle is currently away today, and I'll be going on paternity leave for a baby daughter in a month's time, I pretty much need thank you. It's number three for me. So I've got a six year old, a three year old, and a daughter on the way, and I'm just trying to make sure I close out anything we need to do for the clients before I go. Do you have any availability in early May to go through this with me? And what I'm sort of thinking is late April or early May kind of better from an availability standpoint? Do you have any kind of main weeks that are really difficult to reach you or weeks where it would be much easier to reach you? Yeah. Yep. No worries at all. And pretty much just need maybe half an hour or so, give or take ten minutes. I don't apologize. It's totally fine. Yeah. So if I'm looking at my availability, anything from the twenty seventh onwards of April is pretty good. I'm pretty well in an early start on a Monday, Friday, or even late nights on a Tuesday, Wednesday, or Thursday, if that helps at all. Yes. '20 ninth is perfect. And are you thinking would you be able to do any time in the afternoon on the twenty ninth? Perfect. Now you guys are off on daylight savings has clicked off for you in Victoria, hasn't it? So I'm assuming it's close to 11:00 your time. Yep. Perfect. Would you be able to do possibly, like, one or 2PM on that day? Yep. Easy done. So I'll put you in for 01:00 on the twenty ninth, and we'll send you a bit of a a text reminder beforehand. In case anything pops up, we can adjust it. Awesome. John, do you have any other questions for me while I do have you? That is perfectly fine. I'm just going through Kyle's notes for what he was working on for you. Again, the main thing is just gonna be the super portfolio. He did make some notes that you're not looking to receive, like, insurance advice at the moment. You're comfortable, obviously, with your asset position not to try and obtain insurances. Does that sound about right? Perfect. Estate planning wise, I think you guys don't still have a will in place. Is that correct? Yep. Look. If it does help and it's just a bit of a friendly reminder, you don't have to always see a lawyer. If you do have a pretty simple structure, you can go to a public trustee of your state, kinda like the courthouse. And, also, it's not the best, but the post office has government approved will kits and power of attorney kits for, like, $25. So if that helps at all, even something simple enough just so it's more direct for your partner. The big thing for me is, obviously, if you pass away, most of your assets or all of them will go to your partner. The power of attorney is pretty important too. So if you're in hospital and you can't act on your own behalf, just making it easy for your family to, again, access any bank accounts, talk with the doctors without having to go to the courts for probate kinda just simplifies things a little bit. Yep. Easy done. The only other thing that was mentioned was possibly even looking at investing at some point. Were you still thinking about doing some personal investments over the next five to ten years? Yeah. Like shares and managed funds, there was a mention of it. Easy done. If you're ever curious about it, there's investment accounts with your super provider where you can have, like, an investment account on the same login with your super and invest in all the kinds same kinds of options, whether it's low risk up to high risk. I'll put a pin in it for now. And if you wanna chat about it towards the end of the year, we can revisit it once you've gone through your cash priorities. But I just wanted to let you know the offer's always there if you wanna investigate that with us. Easy done. And it's one of the things that when we go through investing, we split it with the super in a different risk profile. So, obviously, we're not gonna invest you the same in your own name as you would for retirement. That's a different space, but it all has to be for a reason. Right? It could be just to grow your funds and your wealth. It could be to have more funds available for an earlier retirement before 60, 65 if you wanna, you know, live off some of your assets before you hit your preservation age. If there's an important goal or priority there, we can kind of tailor it to that. If there's no real reason to, we don't have to get you into investing, but we do do some toe dipping for people who are interested small amounts and get them started. Cool. Alright. I think that's pretty much it. You're pretty well on top of all of your cash flow and budgeting. You've got a great amount of savings there. Your house is paid off. You've got your holiday house and the three cars. So I think you're in a pretty good position. We just need to get you there for your super, and you should be good to go, John. Awesome. You have a fantastic day, and I shall talk to you on the twenty ninth. Thank you. 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morning, John. It's Tommy here, senior adviser from Oakview Financial. How are you doing today? Mate, I'm just giving you a call to go through the couple of queries you had for the super and the contributions. Do you still have a bit of time this morning?\n\nPerfect. So just before I jump into it, mate, are you okay for the call to be recorded? Awesome. And just for the usual security process, so I'm registered with ASIC as adviser 1273105. Are you okay to confirm your date of birth address, please?\n\nThank you so much for that, John. Mate, I've had a bit of a look at your file this morning. I was talking to Kyle, your adviser, who is going through some updated advice with you. I've crunched a few numbers today and just wanted to double check with you. Was the main two things just to talk about your contributions and the volatility of your super.\n\nPerfect. First thing I wanna do is quickly do is I've just been going through your contribution history for the last twelve months. I've gotten your last twelve months of contributions. You're still doing that $100 a week salary sacrifice. And your contributions from work, they work out to be around about 22 and a half thousand for the last twelve months and then another $5 on top for the salary sacrifice.\n\nPuts you at about just over 27 out of the 30 for this financial year. Now going backwards, when we're looking at carry forward contributions, have you ever logged into your myGov account to work out how much of an unused cap you have? Perfect. Perfect. So you've got the six month details.\n\nThat would have been still this financial year, which is perfect. Now we have actually switched systems in January. So I've been trying to go through old archives and new file notes. Do you know if you may have provided that to us already? K.\n\nSo when I go through your assets that Carl took down in the last conversation, it shows that you had a solid couple of $100,000 in savings. So what I wanted to double check with you is were you looking to do a bit of a lump sum contribution before the end of the financial year, or what were you kind of thinking? Yeah. Yeah. Yeah.\n\nAnd because you don't really have much in the way of debts at the moment, do you? Yeah. So it really depends, like, because of your, like, your taxable income, we we had you at about a 160,000, which kind of works out pretty close to what I'm seeing in contributions coming in. If you did put an extra little lump sum in, obviously, you'd get that tax deduction between the 37% and the 15% that goes into super. So you would save 22¢ on the dollar, and it'll boost up the super, but it'd be locked away until 60 plus.\n\nSo it's possible to do. It will give you a pretty big benefit, but it depends on your priorities for what you would like to use the cash for, if there's other things you would prefer to have it there for. Yep. And to be honest look. If you've got all of the, like, the car purchase and the renovations to do, it's not make or break.\n\nSo you're already earning a decent amount. You've got a lot of contributions. You're salary sacrificing. Your high growth portfolio has a really good, like, long term return. So to get you into that retirement goal, you're going to be in this period.\n\nLike, I guess, the way I'd give you perspective on it is you're sitting at 437,000 today in the super. Most of the time, people spend their first twenty years of working life building up their their base. Because when you're sitting there with 30,000 in your super and you get a 10% return, it's $3, which is nowhere near what you're putting in in contributions. Right? But now that you're sitting at 437,000, if you get a 10 or 20% return from your high growth fund, we're talking 40 to $80,000 in growth in a single year on top of almost $30 in contributions and salary sacrifice.\n\nSo going from $4.37 to a million dollars over the next seven to fourteen years, it's pretty realistic. And this is the part where you make the last bulk returns to get you to your target. It doesn't mean that you have to put that extra 20 in or you're not gonna be able to retire comfortably. Do you know what I mean? So the way I would say it is, basically, if there's no other priority for the usage of the funds and you just wanna get the maximum benefit, then great.\n\nGet the tax deduction, get a bit of growth out of it in your super. But if you got other things to use it for, keep it as an emergency fund, the car, the renovations. It's not necessary. Thoughts on that? Yep.\n\nNow when it comes to the volatility, I've gone through a pretty deep dive this morning and a couple days ago with Kyle as well. Have you logged into your hub account the last couple of months just sort of watching it going up and down? No. That's fine. That's what you've got us for.\n\nBasically, because you're in that high growth, like I just said before, those percentage based returns are a big swing in dollar terms for your account balance. So any five or 10% up or down, we're talking tens of thousands. What that basically means, I'll give you an example. So towards March, we had a bit of a peak in the markets. You were sitting at $4.42, then we had a nice big dip in the stock market with all of the news articles, and you went from $4.42 to $4.14.\n\nIt was $30,000. And then it jumped straight away back up in under two weeks back to $4.37. That's very, very normal in the high growth fund. So my main questioning for today is whether we keep you at a high growth risk profile because you're still in that growth phase. The way I would kind of explain it is I think we have you noted down to retire around age 65.\n\nDoes that sound about right? Yep. So when I talk about growth versus protecting your super, first point is you don't wanna be high risk at the age of 64. Stock market crashes and you lose half your super a year before you access it to live on it. Do you know what I mean?\n\nSo when most of the cycles play out, whether it's COVID, the GFC, or the current situation, it usually revolves over a seven year period. So the stock market grows for five years, then it crashes, and it grows, and it crashes. You essentially have two market cycles left before you retire. So the main plan that we have for you is to keep the high level of contributions going, keep the high growth returns going for this next cycle. And then after that, we have to gradually reduce your risk level in those last seven years.\n\nBecause if you're sitting at 90% shares property in gold now, over those last seven years, we will gradually taper you down eighty, seventy, sixty, fifty, 40%, and then transition you into a pension. So if you're comfortable with that plan, we basically use the current situation as a bit of a buying opportunity. Your contributions come in. If the market dips, we buy some shares, some properties, some gold at a cheaper price. So when it goes back up, you get that high 20% return.\n\nDoes that make sense? K. There is one thing that Carl spoke to you about, which was your Australian shares option. I don't know if you remember him mentioning Bennelong last time you spoke. Yeah.\n\nSo at the time, Bennelong was the only one that was kind of underperforming, and there was a bit of a holding point to say, hey. Let's see if it kind of bounces back. The last few months, it hasn't really bounced back the way it should like the other seven options that you have because you have eight. Seven of them have done really well. One of them has done, I guess, pretty poorly, to be honest.\n\nThat's probably the one where if you're comfortable to do this seven years of growth, seven years of protection, I would keep you in high growth, keep your salary sacrifice going, but switch out that underperforming investment to a like for like better option. So that's probably the I guess, the word I would use is the optimization that I would like to do, which is, okay. One apple is starting to go rotten. Let's knock that one out and put a nice fresh green apple in, and the rest of the fruit basket is doing great. And then, eventually, you can sort of jump into it for retirement.\n\nSo if you're comfortable with that, you don't need to do the additional contributions, the lump sum. We don't really need to change the risk level if you're comfortable to kind of ride this out for a couple of years, but we do need to switch one of the investments around. Easy done. So after today's conversation, I'm going to get my team to research the two or three alternatives that we have in this space for Australian shares. One question I do have for you, and, obviously, I'm gonna make a recommendation with Kyle, but I want you to kind of give me your gut feeling on this question.\n\nSo you can choose between two styles of investment. You've got the lowest fees, which follows the market up and down. We call that passive. Or you can pay a slightly higher investment fee for a fund manager to try and pick and choose stocks and try and get you a better outcome than the general market. Do you have a strong leaning between going to the lowest fees or paying a bit more to get a higher return?\n\nWell, your current option I'm looking to switch out is currently sitting at about 1% investment fee. We do have an alternative, which is, like, slightly cheaper but much better performance but still active, or we can switch it to a lower fee option. So I've got a really good option in either pocket. I just wanna know, do you have, like, a strong leaning where you go, no. No.\n\nNo. Please lower my fees, or I'm comfortable to maintain the current style. Just improve it. Yep. Easy done.\n\nIf you're at all curious, I can kind of share with you those options. But what I would like to do essentially is once I've done that comparison, we'll put it in an updated statement of advice so you've got it in writing, and then my team will pretty much book you in to run through that document, make sure you're comfortable with what we're gonna change. And once you sign off on that, we can switch the investments around. Is that okay? Perfect.\n\nNow because Kyle is currently away today, and I'll be going on paternity leave for a baby daughter in a month's time, I pretty much need thank you. It's number three for me. So I've got a six year old, a three year old, and a daughter on the way, and I'm just trying to make sure I close out anything we need to do for the clients before I go. Do you have any availability in early May to go through this with me? And what I'm sort of thinking is late April or early May kind of better from an availability standpoint?\n\nDo you have any kind of main weeks that are really difficult to reach you or weeks where it would be much easier to reach you? Yeah. Yep. No worries at all. And pretty much just need maybe half an hour or so, give or take ten minutes.\n\nI don't apologize. It's totally fine. Yeah. So if I'm looking at my availability, anything from the twenty seventh onwards of April is pretty good. I'm pretty well in an early start on a Monday, Friday, or even late nights on a Tuesday, Wednesday, or Thursday, if that helps at all.\n\nYes. '20 ninth is perfect. And are you thinking would you be able to do any time in the afternoon on the twenty ninth? Perfect. Now you guys are off on daylight savings has clicked off for you in Victoria, hasn't it?\n\nSo I'm assuming it's close to 11:00 your time. Yep. Perfect. Would you be able to do possibly, like, one or 2PM on that day? Yep.\n\nEasy done. So I'll put you in for 01:00 on the twenty ninth, and we'll send you a bit of a a text reminder beforehand. In case anything pops up, we can adjust it. Awesome. John, do you have any other questions for me while I do have you?\n\nThat is perfectly fine. I'm just going through Kyle's notes for what he was working on for you. Again, the main thing is just gonna be the super portfolio. He did make some notes that you're not looking to receive, like, insurance advice at the moment. You're comfortable, obviously, with your asset position not to try and obtain insurances.\n\nDoes that sound about right? Perfect. Estate planning wise, I think you guys don't still have a will in place. Is that correct? Yep.\n\nLook. If it does help and it's just a bit of a friendly reminder, you don't have to always see a lawyer. If you do have a pretty simple structure, you can go to a public trustee of your state, kinda like the courthouse. And, also, it's not the best, but the post office has government approved will kits and power of attorney kits for, like, $25. So if that helps at all, even something simple enough just so it's more direct for your partner.\n\nThe big thing for me is, obviously, if you pass away, most of your assets or all of them will go to your partner. The power of attorney is pretty important too. So if you're in hospital and you can't act on your own behalf, just making it easy for your family to, again, access any bank accounts, talk with the doctors without having to go to the courts for probate kinda just simplifies things a little bit. Yep. Easy done.\n\nThe only other thing that was mentioned was possibly even looking at investing at some point. Were you still thinking about doing some personal investments over the next five to ten years? Yeah. Like shares and managed funds, there was a mention of it. Easy done.\n\nIf you're ever curious about it, there's investment accounts with your super provider where you can have, like, an investment account on the same login with your super and invest in all the kinds same kinds of options, whether it's low risk up to high risk. I'll put a pin in it for now. And if you wanna chat about it towards the end of the year, we can revisit it once you've gone through your cash priorities. But I just wanted to let you know the offer's always there if you wanna investigate that with us. Easy done.\n\nAnd it's one of the things that when we go through investing, we split it with the super in a different risk profile. So, obviously, we're not gonna invest you the same in your own name as you would for retirement. That's a different space, but it all has to be for a reason. Right? It could be just to grow your funds and your wealth.\n\nIt could be to have more funds available for an earlier retirement before 60, 65 if you wanna, you know, live off some of your assets before you hit your preservation age. If there's an important goal or priority there, we can kind of tailor it to that. If there's no real reason to, we don't have to get you into investing, but we do do some toe dipping for people who are interested small amounts and get them started. Cool. Alright.\n\nI think that's pretty much it. You're pretty well on top of all of your cash flow and budgeting. You've got a great amount of savings there. Your house is paid off. You've got your holiday house and the three cars.\n\nSo I think you're in a pretty good position. We just need to get you there for your super, and you should be good to go, John. Awesome. You have a fantastic day, and I shall talk to you on the twenty ninth. Thank you.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good morning, John.","start":3.04,"end":3.84,"sentiment":"neutral","sentiment_score":0.31242502729098004},{"text":"It's Tommy here, senior adviser from Oakview Financial.","start":3.84,"end":6.3199997,"sentiment":"neutral","sentiment_score":0.24569372832775116},{"text":"How are you doing today?","start":6.3199997,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.2641507476568222},{"text":"Mate, I'm just giving you a call to go through the couple of queries you had for the super and the contributions.","start":8.96,"end":13.86,"sentiment":"neutral","sentiment_score":0.12395578758283095},{"text":"Do you still have a bit of time this morning?","start":13.92,"end":15.765,"sentiment":"neutral","sentiment_score":0.043809565156698226}],"sentiment":"neutral","sentiment_score":0.1539312838576734,"num_words":48,"start":3.04,"end":15.765},{"sentences":[{"text":"Perfect.","start":17.605,"end":18.085001,"sentiment":"positive","sentiment_score":0.4688605070114136},{"text":"So just before I jump into it, mate, are you okay for the call to be recorded?","start":18.085001,"end":21.385,"sentiment":"neutral","sentiment_score":0.09434296859099585},{"text":"Awesome.","start":23.525,"end":23.845001,"sentiment":"positive","sentiment_score":0.47386956214904785},{"text":"And just for the usual security process, so I'm registered with ASIC as adviser 1273105.","start":23.845001,"end":31.08,"sentiment":"neutral","sentiment_score":0.18962019085884094},{"text":"Are you okay to confirm your date of birth address, please?","start":31.220001,"end":33.8,"sentiment":"neutral","sentiment_score":0.08243726532567631}],"sentiment":"neutral","sentiment_score":0.13994829592605432,"num_words":45,"start":17.605,"end":33.8},{"sentences":[{"text":"Thank you so much for that, John.","start":39.78,"end":41.625,"sentiment":"positive","sentiment_score":0.610936530998775},{"text":"Mate, I've had a bit of a look at your file this morning.","start":41.785,"end":44.025,"sentiment":"neutral","sentiment_score":0.2436546924022528},{"text":"I was talking to Kyle, your adviser, who is going through some updated advice with you.","start":44.025,"end":49.245,"sentiment":"neutral","sentiment_score":0.1542783658951521},{"text":"I've crunched a few numbers today and just wanted to double check with you.","start":50.025,"end":53.785,"sentiment":"neutral","sentiment_score":0.002422287528003965},{"text":"Was the main two things just to talk about your contributions and the volatility of your super.","start":53.785,"end":58.55,"sentiment":"neutral","sentiment_score":-0.019257388680296784}],"sentiment":"neutral","sentiment_score":0.1435680147816441,"num_words":67,"start":39.78,"end":58.55},{"sentences":[{"text":"Perfect.","start":62.53,"end":62.69,"sentiment":"neutral","sentiment_score":0.2728777825832367},{"text":"First thing I wanna do is quickly do is I've just been going through your contribution history for the last twelve months.","start":62.69,"end":69.75,"sentiment":"neutral","sentiment_score":0.11396494338458235},{"text":"I've gotten your last twelve months of contributions.","start":70.369995,"end":73.725,"sentiment":"neutral","sentiment_score":0.06995784072205424},{"text":"You're still doing that $100 a week salary sacrifice.","start":74.424995,"end":77.165,"sentiment":"neutral","sentiment_score":0.06360635699497329},{"text":"And your contributions from work, they work out to be around about 22 and a half thousand for the last twelve months and then another $5 on top for the salary sacrifice.","start":77.784996,"end":89.85,"sentiment":"neutral","sentiment_score":0.08009019074961543}],"sentiment":"neutral","sentiment_score":0.08993211916337411,"num_words":72,"start":62.53,"end":89.85},{"sentences":[{"text":"Puts you at about just over 27 out of the 30 for this financial year.","start":90.07,"end":95.45,"sentiment":"neutral","sentiment_score":0.11888405382633209},{"text":"Now going backwards, when we're looking at carry forward contributions, have you ever logged into your myGov account to work out how much of an unused cap you have?","start":97.685,"end":107.785,"sentiment":"neutral","sentiment_score":-0.02271370755123167},{"text":"Perfect.","start":113.7,"end":114.1,"sentiment":"neutral","sentiment_score":0.25471359491348267},{"text":"Perfect.","start":114.1,"end":114.5,"sentiment":"neutral","sentiment_score":0.2638704776763916},{"text":"So you've got the six month details.","start":114.5,"end":117.4,"sentiment":"neutral","sentiment_score":0.17932666625295365}],"sentiment":"neutral","sentiment_score":0.05468743442961911,"num_words":53,"start":90.07,"end":117.4},{"sentences":[{"text":"That would have been still this financial year, which is perfect.","start":117.94,"end":121.08,"sentiment":"neutral","sentiment_score":0.32534385269338434},{"text":"Now we have actually switched systems in January.","start":121.619995,"end":124.119995,"sentiment":"neutral","sentiment_score":0.006854117847979069},{"text":"So I've been trying to go through old archives and new file notes.","start":124.185,"end":128.605,"sentiment":"neutral","sentiment_score":0.0068607717089784834},{"text":"Do you know if you may have provided that to us already?","start":129.065,"end":132.045,"sentiment":"neutral","sentiment_score":0.004666566693534453},{"text":"K.","start":137.0,"end":137.5,"sentiment":"neutral","sentiment_score":0.0012096334248781204}],"sentiment":"neutral","sentiment_score":0.08400030640833493,"num_words":45,"start":117.94,"end":137.5},{"sentences":[{"text":"So when I go through your assets that Carl took down in the last conversation, it shows that you had a solid couple of $100,000 in savings.","start":137.8,"end":148.54,"sentiment":"neutral","sentiment_score":0.2916239673892657},{"text":"So what I wanted to double check with you is were you looking to do a bit of a lump sum contribution before the end of the financial year, or what were you kind of thinking?","start":149.125,"end":157.545,"sentiment":"neutral","sentiment_score":0.1491290900028414},{"text":"Yeah.","start":184.275,"end":184.775,"sentiment":"neutral","sentiment_score":0.1638573408126831},{"text":"Yeah.","start":208.14499,"end":208.465,"sentiment":"neutral","sentiment_score":0.0811634287238121},{"text":"Yeah.","start":208.465,"end":208.94499,"sentiment":"neutral","sentiment_score":0.08020413666963577}],"sentiment":"neutral","sentiment_score":0.20557150402755447,"num_words":66,"start":137.8,"end":208.94499},{"sentences":[{"text":"And because you don't really have much in the way of debts at the moment, do you?","start":208.94499,"end":213.36,"sentiment":"neutral","sentiment_score":-0.01352609770701212},{"text":"Yeah.","start":216.22,"end":216.70001,"sentiment":"neutral","sentiment_score":-0.12227999418973924},{"text":"So it really depends, like, because of your, like, your taxable income, we we had you at about a 160,000, which kind of works out pretty close to what I'm seeing in contributions coming in.","start":216.70001,"end":228.785,"sentiment":"neutral","sentiment_score":0.026861635808433804},{"text":"If you did put an extra little lump sum in, obviously, you'd get that tax deduction between the 37% and the 15% that goes into super.","start":229.005,"end":237.985,"sentiment":"neutral","sentiment_score":0.14819889630262667},{"text":"So you would save 22¢ on the dollar, and it'll boost up the super, but it'd be locked away until 60 plus.","start":238.24,"end":244.98,"sentiment":"neutral","sentiment_score":0.3056385204905555}],"sentiment":"neutral","sentiment_score":0.10859513832256198,"num_words":101,"start":208.94499,"end":244.98},{"sentences":[{"text":"So it's possible to do.","start":245.36,"end":247.52,"sentiment":"neutral","sentiment_score":0.2560361249372363},{"text":"It will give you a pretty big benefit, but it depends on your priorities for what you would like to use the cash for, if there's other things you would prefer to have it there for.","start":247.52,"end":256.135,"sentiment":"neutral","sentiment_score":0.24968454448713195},{"text":"Yep.","start":276.85,"end":277.35,"sentiment":"neutral","sentiment_score":-0.09775885939598083},{"text":"And to be honest look.","start":277.81,"end":281.485,"sentiment":"neutral","sentiment_score":-0.09593814015388488},{"text":"If you've got all of the, like, the car purchase and the renovations to do, it's not make or break.","start":281.485,"end":287.66498,"sentiment":"neutral","sentiment_score":0.05111044999212026}],"sentiment":"neutral","sentiment_score":0.15990423381940197,"num_words":67,"start":245.36,"end":287.66498},{"sentences":[{"text":"So you're already earning a decent amount.","start":287.88498,"end":291.16498,"sentiment":"positive","sentiment_score":0.4150832550866263},{"text":"You've got a lot of contributions.","start":291.16498,"end":292.305,"sentiment":"positive","sentiment_score":0.38430099189281464},{"text":"You're salary sacrificing.","start":292.365,"end":293.50497,"sentiment":"neutral","sentiment_score":0.2477716008822123},{"text":"Your high growth portfolio has a really good, like, long term return.","start":294.41,"end":298.43,"sentiment":"positive","sentiment_score":0.4342414413889249},{"text":"So to get you into that retirement goal, you're going to be in this period.","start":298.88998,"end":302.81,"sentiment":"positive","sentiment_score":0.345045260588328}],"sentiment":"positive","sentiment_score":0.38002976151399837,"num_words":43,"start":287.88498,"end":302.81},{"sentences":[{"text":"Like, I guess, the way I'd give you perspective on it is you're sitting at 437,000 today in the super.","start":302.81,"end":309.15,"sentiment":"neutral","sentiment_score":0.17332410514354707},{"text":"Most of the time, people spend their first twenty years of working life building up their their base.","start":309.79498,"end":316.51498,"sentiment":"neutral","sentiment_score":0.1608112988372644},{"text":"Because when you're sitting there with 30,000 in your super and you get a 10% return, it's $3, which is nowhere near what you're putting in in contributions.","start":316.51498,"end":325.13998,"sentiment":"neutral","sentiment_score":0.1378933908417821},{"text":"Right?","start":325.44,"end":325.94,"sentiment":"neutral","sentiment_score":0.07096196711063385},{"text":"But now that you're sitting at 437,000, if you get a 10 or 20% return from your high growth fund, we're talking 40 to $80,000 in growth in a single year on top of almost $30 in contributions and salary sacrifice.","start":327.28,"end":341.85498,"sentiment":"neutral","sentiment_score":0.22545207200980769}],"sentiment":"neutral","sentiment_score":0.18089441986133656,"num_words":108,"start":302.81,"end":341.85498},{"sentences":[{"text":"So going from $4.37 to a million dollars over the next seven to fourteen years, it's pretty realistic.","start":342.31497,"end":350.895,"sentiment":"neutral","sentiment_score":0.332339604695638},{"text":"And this is the part where you make the last bulk returns to get you to your target.","start":351.03497,"end":356.6,"sentiment":"positive","sentiment_score":0.38968029618263245},{"text":"It doesn't mean that you have to put that extra 20 in or you're not gonna be able to retire comfortably.","start":356.74002,"end":361.48,"sentiment":"neutral","sentiment_score":0.031426106890042625},{"text":"Do you know what I mean?","start":361.54,"end":362.6,"sentiment":"neutral","sentiment_score":-0.006928140142311652},{"text":"So the way I would say it is, basically, if there's no other priority for the usage of the funds and you just wanna get the maximum benefit, then great.","start":364.58002,"end":371.965,"sentiment":"neutral","sentiment_score":0.2986653931438923}],"sentiment":"neutral","sentiment_score":0.2427387033759426,"num_words":93,"start":342.31497,"end":371.965},{"sentences":[{"text":"Get the tax deduction, get a bit of growth out of it in your super.","start":371.965,"end":375.32498,"sentiment":"positive","sentiment_score":0.5289174099763234},{"text":"But if you got other things to use it for, keep it as an emergency fund, the car, the renovations.","start":375.32498,"end":381.16998,"sentiment":"neutral","sentiment_score":0.1616609625518322},{"text":"It's not necessary.","start":381.63,"end":382.61,"sentiment":"neutral","sentiment_score":-0.04231009135643641},{"text":"Thoughts on that?","start":386.19,"end":387.25,"sentiment":"neutral","sentiment_score":0.05819206809004148},{"text":"Yep.","start":394.36502,"end":394.86502,"sentiment":"neutral","sentiment_score":0.10565662384033205}],"sentiment":"neutral","sentiment_score":0.2695305465410153,"num_words":42,"start":371.965,"end":394.86502},{"sentences":[{"text":"Now when it comes to the volatility, I've gone through a pretty deep dive this morning and a couple days ago with Kyle as well.","start":395.885,"end":403.745,"sentiment":"neutral","sentiment_score":0.017991533651947975},{"text":"Have you logged into your hub account the last couple of months just sort of watching it going up and down?","start":404.84998,"end":409.90997,"sentiment":"neutral","sentiment_score":-0.019801070913672447},{"text":"No.","start":414.28998,"end":414.53,"sentiment":"neutral","sentiment_score":-0.07163387537002563},{"text":"That's fine.","start":414.53,"end":415.25,"sentiment":"neutral","sentiment_score":0.16531755030155182},{"text":"That's what you've got us for.","start":415.25,"end":416.94998,"sentiment":"neutral","sentiment_score":0.28239057461420697}],"sentiment":"neutral","sentiment_score":0.03613291863690723,"num_words":55,"start":395.885,"end":416.94998},{"sentences":[{"text":"Basically, because you're in that high growth, like I just said before, those percentage based returns are a big swing in dollar terms for your account balance.","start":418.315,"end":426.895,"sentiment":"neutral","sentiment_score":0.14108205835024515},{"text":"So any five or 10% up or down, we're talking tens of thousands.","start":427.115,"end":431.375,"sentiment":"neutral","sentiment_score":0.034320289304909796},{"text":"What that basically means, I'll give you an example.","start":434.18002,"end":436.36002,"sentiment":"neutral","sentiment_score":0.04793754261400965},{"text":"So towards March, we had a bit of a peak in the markets.","start":436.66,"end":440.1,"sentiment":"neutral","sentiment_score":0.07473705078546818},{"text":"You were sitting at $4.42, then we had a nice big dip in the stock market with all of the news articles, and you went from $4.42 to $4.14.","start":440.1,"end":449.035,"sentiment":"neutral","sentiment_score":0.0692114679720895}],"sentiment":"neutral","sentiment_score":0.08423660935547489,"num_words":91,"start":418.315,"end":449.035},{"sentences":[{"text":"It was $30,000.","start":449.035,"end":450.575,"sentiment":"neutral","sentiment_score":0.06075530002514521},{"text":"And then it jumped straight away back up in under two weeks back to $4.37.","start":450.635,"end":456.255,"sentiment":"neutral","sentiment_score":0.09625400453805924},{"text":"That's very, very normal in the high growth fund.","start":457.53,"end":459.94998,"sentiment":"neutral","sentiment_score":0.11705939057800505},{"text":"So my main questioning for today is whether we keep you at a high growth risk profile because you're still in that growth phase.","start":460.33,"end":468.75,"sentiment":"neutral","sentiment_score":-0.11194610968232155},{"text":"The way I would kind of explain it is I think we have you noted down to retire around age 65.","start":468.96997,"end":474.495,"sentiment":"neutral","sentiment_score":0.009260986709878558}],"sentiment":"neutral","sentiment_score":0.0026025634983347524,"num_words":72,"start":449.035,"end":474.495},{"sentences":[{"text":"Does that sound about right?","start":474.495,"end":475.795,"sentiment":"neutral","sentiment_score":0.023769990354776383},{"text":"Yep.","start":478.255,"end":478.755,"sentiment":"neutral","sentiment_score":-0.03602205961942673},{"text":"So when I talk about growth versus protecting your super, first point is you don't wanna be high risk at the age of 64.","start":478.975,"end":486.675,"sentiment":"neutral","sentiment_score":-0.16572626944010457},{"text":"Stock market crashes and you lose half your super a year before you access it to live on it.","start":486.86,"end":491.02,"sentiment":"negative","sentiment_score":-0.4778464609070828},{"text":"Do you know what I mean?","start":491.02,"end":492.08,"sentiment":"neutral","sentiment_score":-0.16051044315099716}],"sentiment":"neutral","sentiment_score":-0.2533954180099747,"num_words":55,"start":474.495,"end":492.08},{"sentences":[{"text":"So when most of the cycles play out, whether it's COVID, the GFC, or the current situation, it usually revolves over a seven year period.","start":493.5,"end":503.725,"sentiment":"neutral","sentiment_score":-0.11841713309288025},{"text":"So the stock market grows for five years, then it crashes, and it grows, and it crashes.","start":504.105,"end":508.685,"sentiment":"neutral","sentiment_score":-0.2823507557897007},{"text":"You essentially have two market cycles left before you retire.","start":509.385,"end":513.645,"sentiment":"neutral","sentiment_score":-0.2043636493384838},{"text":"So the main plan that we have for you is to keep the high level of contributions going, keep the high growth returns going for this next cycle.","start":515.56,"end":525.02,"sentiment":"positive","sentiment_score":0.3918182631688459},{"text":"And then after that, we have to gradually reduce your risk level in those last seven years.","start":525.32,"end":531.185,"sentiment":"neutral","sentiment_score":0.05683119244435254}],"sentiment":"neutral","sentiment_score":0.021989834754122903,"num_words":97,"start":493.5,"end":531.185},{"sentences":[{"text":"Because if you're sitting at 90% shares property in gold now, over those last seven years, we will gradually taper you down eighty, seventy, sixty, fifty, 40%, and then transition you into a pension.","start":531.325,"end":544.945,"sentiment":"neutral","sentiment_score":0.045841975247158724},{"text":"So if you're comfortable with that plan, we basically use the current situation as a bit of a buying opportunity.","start":547.57996,"end":554.88,"sentiment":"neutral","sentiment_score":0.2756670467555523},{"text":"Your contributions come in.","start":555.01996,"end":556.72,"sentiment":"neutral","sentiment_score":0.24483079090714455},{"text":"If the market dips, we buy some shares, some properties, some gold at a cheaper price.","start":556.77997,"end":561.365,"sentiment":"neutral","sentiment_score":0.18570739915594459},{"text":"So when it goes back up, you get that high 20% return.","start":561.365,"end":564.90497,"sentiment":"positive","sentiment_score":0.3454108275473118}],"sentiment":"neutral","sentiment_score":0.17636673923495205,"num_words":86,"start":531.325,"end":564.90497},{"sentences":[{"text":"Does that make sense?","start":565.045,"end":566.185,"sentiment":"neutral","sentiment_score":0.19387148693203926},{"text":"K.","start":576.66003,"end":577.16003,"sentiment":"neutral","sentiment_score":-0.0477074533700943},{"text":"There is one thing that Carl spoke to you about, which was your Australian shares option.","start":577.7,"end":582.82,"sentiment":"neutral","sentiment_score":-0.043047889368608594},{"text":"I don't know if you remember him mentioning Bennelong last time you spoke.","start":582.82,"end":586.52,"sentiment":"neutral","sentiment_score":-0.079583357159908},{"text":"Yeah.","start":590.925,"end":591.08496,"sentiment":"neutral","sentiment_score":-0.07143303751945496}],"sentiment":"neutral","sentiment_score":-0.03048584046108382,"num_words":35,"start":565.045,"end":591.08496},{"sentences":[{"text":"So at the time, Bennelong was the only one that was kind of underperforming, and there was a bit of a holding point to say, hey.","start":591.08496,"end":597.32495,"sentiment":"neutral","sentiment_score":-0.2356942453636573},{"text":"Let's see if it kind of bounces back.","start":597.32495,"end":599.345,"sentiment":"neutral","sentiment_score":-0.14712202362716198},{"text":"The last few months, it hasn't really bounced back the way it should like the other seven options that you have because you have eight.","start":599.57,"end":605.67,"sentiment":"neutral","sentiment_score":-0.27336024343967436},{"text":"Seven of them have done really well.","start":605.81,"end":607.81,"sentiment":"neutral","sentiment_score":-0.05123498184340341},{"text":"One of them has done, I guess, pretty poorly, to be honest.","start":607.81,"end":611.27,"sentiment":"negative","sentiment_score":-0.5616253142555555}],"sentiment":"neutral","sentiment_score":-0.2722715551081376,"num_words":78,"start":591.08496,"end":611.27},{"sentences":[{"text":"That's probably the one where if you're comfortable to do this seven years of growth, seven years of protection, I would keep you in high growth, keep your salary sacrifice going, but switch out that underperforming investment to a like for like better option.","start":611.665,"end":627.70996,"sentiment":"neutral","sentiment_score":-0.07411456669003448},{"text":"So that's probably the I guess, the word I would use is the optimization that I would like to do, which is, okay.","start":630.17,"end":635.87,"sentiment":"neutral","sentiment_score":0.06775710197246593},{"text":"One apple is starting to go rotten.","start":636.08997,"end":637.69,"sentiment":"negative","sentiment_score":-0.3839078460420881},{"text":"Let's knock that one out and put a nice fresh green apple in, and the rest of the fruit basket is doing great.","start":637.69,"end":643.275,"sentiment":"positive","sentiment_score":0.3727661329119102},{"text":"And then, eventually, you can sort of jump into it for retirement.","start":643.335,"end":647.355,"sentiment":"neutral","sentiment_score":0.165724183122317}],"sentiment":"neutral","sentiment_score":0.056626869203232295,"num_words":109,"start":611.665,"end":647.355},{"sentences":[{"text":"So if you're comfortable with that, you don't need to do the additional contributions, the lump sum.","start":649.415,"end":654.955,"sentiment":"neutral","sentiment_score":0.13136760671349132},{"text":"We don't really need to change the risk level if you're comfortable to kind of ride this out for a couple of years, but we do need to switch one of the investments around.","start":655.42,"end":663.52,"sentiment":"neutral","sentiment_score":-0.0021574129076565012},{"text":"Easy done.","start":670.715,"end":671.53503,"sentiment":"positive","sentiment_score":0.3671731948852539},{"text":"So after today's conversation, I'm going to get my team to research the two or three alternatives that we have in this space for Australian shares.","start":671.59503,"end":680.495,"sentiment":"neutral","sentiment_score":0.11305199019037761},{"text":"One question I do have for you, and, obviously, I'm gonna make a recommendation with Kyle, but I want you to kind of give me your gut feeling on this question.","start":681.62,"end":689.24,"sentiment":"neutral","sentiment_score":0.11923491377984324}],"sentiment":"neutral","sentiment_score":0.08663525215604088,"num_words":110,"start":649.415,"end":689.24},{"sentences":[{"text":"So you can choose between two styles of investment.","start":689.54,"end":693.8,"sentiment":"neutral","sentiment_score":0.13460028999381596},{"text":"You've got the lowest fees, which follows the market up and down.","start":694.01996,"end":697.475,"sentiment":"neutral","sentiment_score":0.14950255677103996},{"text":"We call that passive.","start":697.475,"end":698.53503,"sentiment":"neutral","sentiment_score":0.11645489186048508},{"text":"Or you can pay a slightly higher investment fee for a fund manager to try and pick and choose stocks and try and get you a better outcome than the general market.","start":699.075,"end":708.295,"sentiment":"neutral","sentiment_score":0.19185181241482496},{"text":"Do you have a strong leaning between going to the lowest fees or paying a bit more to get a higher return?","start":708.83,"end":713.73,"sentiment":"neutral","sentiment_score":0.1039415875619108}],"sentiment":"neutral","sentiment_score":0.1505977947123443,"num_words":79,"start":689.54,"end":713.73},{"sentences":[{"text":"Well, your current option I'm looking to switch out is currently sitting at about 1% investment fee.","start":719.55,"end":726.78503,"sentiment":"neutral","sentiment_score":-0.0512752597055891},{"text":"We do have an alternative, which is, like, slightly cheaper but much better performance but still active, or we can switch it to a lower fee option.","start":727.085,"end":736.145,"sentiment":"neutral","sentiment_score":0.1425145308452624},{"text":"So I've got a really good option in either pocket.","start":736.61,"end":739.26996,"sentiment":"positive","sentiment_score":0.6019876360893249},{"text":"I just wanna know, do you have, like, a strong leaning where you go, no.","start":739.32996,"end":741.81,"sentiment":"neutral","sentiment_score":0.12444951981306077},{"text":"No.","start":741.81,"end":741.97,"sentiment":"neutral","sentiment_score":-0.10498128831386566}],"sentiment":"neutral","sentiment_score":0.1536835826800338,"num_words":70,"start":719.55,"end":741.97},{"sentences":[{"text":"No.","start":741.97,"end":742.13,"sentiment":"neutral","sentiment_score":-0.0994298979640007},{"text":"Please lower my fees, or I'm comfortable to maintain the current style.","start":742.13,"end":747.08997,"sentiment":"neutral","sentiment_score":0.01894178582976262},{"text":"Just improve it.","start":747.08997,"end":748.23,"sentiment":"neutral","sentiment_score":0.14837541182835898},{"text":"Yep.","start":753.825,"end":754.325,"sentiment":"neutral","sentiment_score":0.29323098063468933},{"text":"Easy done.","start":754.46497,"end":755.285,"sentiment":"positive","sentiment_score":0.4447969049215317}],"sentiment":"neutral","sentiment_score":0.09241171357663054,"num_words":19,"start":741.97,"end":755.285},{"sentences":[{"text":"If you're at all curious, I can kind of share with you those options.","start":757.345,"end":760.625,"sentiment":"neutral","sentiment_score":0.25497982438121525},{"text":"But what I would like to do essentially is once I've done that comparison, we'll put it in an updated statement of advice so you've got it in writing, and then my team will pretty much book you in to run through that document, make sure you're comfortable with what we're gonna change.","start":760.625,"end":773.66003,"sentiment":"neutral","sentiment_score":0.23104887863375106},{"text":"And once you sign off on that, we can switch the investments around.","start":773.72003,"end":776.76,"sentiment":"neutral","sentiment_score":0.08834473932018647},{"text":"Is that okay?","start":776.76,"end":777.58,"sentiment":"neutral","sentiment_score":0.0938474362095197},{"text":"Perfect.","start":780.78503,"end":781.28503,"sentiment":"neutral","sentiment_score":0.29546093940734863}],"sentiment":"neutral","sentiment_score":0.20881896390623989,"num_words":84,"start":757.345,"end":781.28503},{"sentences":[{"text":"Now because Kyle is currently away today, and I'll be going on paternity leave for a baby daughter in a month's time, I pretty much need thank you.","start":781.585,"end":792.19,"sentiment":"neutral","sentiment_score":0.03766349983574661},{"text":"It's number three for me.","start":792.19,"end":793.47,"sentiment":"neutral","sentiment_score":0.18222998976707458},{"text":"So I've got a six year old, a three year old, and a daughter on the way, and I'm just trying to make sure I close out anything we need to do for the clients before I go.","start":793.47,"end":802.69,"sentiment":"neutral","sentiment_score":0.040020557463561236},{"text":"Do you have any availability in early May to go through this with me?","start":803.39,"end":808.14496,"sentiment":"neutral","sentiment_score":0.0049659136150564465},{"text":"And what I'm sort of thinking is late April or early May kind of better from an availability standpoint?","start":813.08496,"end":818.70496,"sentiment":"neutral","sentiment_score":-0.02360266466674052}],"sentiment":"neutral","sentiment_score":0.029880589324945434,"num_words":104,"start":781.585,"end":818.70496},{"sentences":[{"text":"Do you have any kind of main weeks that are really difficult to reach you or weeks where it would be much easier to reach you?","start":818.76495,"end":826.45,"sentiment":"neutral","sentiment_score":-0.07524984473219284},{"text":"Yeah.","start":832.11,"end":832.61,"sentiment":"neutral","sentiment_score":0.0614960752427578},{"text":"Yep.","start":834.605,"end":835.105,"sentiment":"neutral","sentiment_score":0.02518652006983757},{"text":"No worries at all.","start":841.165,"end":842.205,"sentiment":"neutral","sentiment_score":0.09085962548851967},{"text":"And pretty much just need maybe half an hour or so, give or take ten minutes.","start":842.205,"end":847.265,"sentiment":"neutral","sentiment_score":0.08148440532386303}],"sentiment":"neutral","sentiment_score":-0.004221341262261073,"num_words":48,"start":818.76495,"end":847.265},{"sentences":[{"text":"I don't apologize.","start":853.5,"end":854.38,"sentiment":"neutral","sentiment_score":0.029181839277346928},{"text":"It's totally fine.","start":854.38,"end":855.36,"sentiment":"neutral","sentiment_score":0.22336711982885996},{"text":"Yeah.","start":874.41003,"end":874.73004,"sentiment":"neutral","sentiment_score":0.26675549149513245},{"text":"So if I'm looking at my availability, anything from the twenty seventh onwards of April is pretty good.","start":874.73004,"end":886.465,"sentiment":"positive","sentiment_score":0.5268258667654462},{"text":"I'm pretty well in an early start on a Monday, Friday, or even late nights on a Tuesday, Wednesday, or Thursday, if that helps at all.","start":886.465,"end":895.04504,"sentiment":"positive","sentiment_score":0.4630932097251599}],"sentiment":"positive","sentiment_score":0.4421115965381557,"num_words":51,"start":853.5,"end":895.04504},{"sentences":[{"text":"Yes.","start":900.72,"end":901.22,"sentiment":"neutral","sentiment_score":0.07705526053905487},{"text":"'20 ninth is perfect.","start":913.295,"end":915.075,"sentiment":"positive","sentiment_score":0.3393276557326317},{"text":"And are you thinking would you be able to do any time in the afternoon on the twenty ninth?","start":917.055,"end":922.27496,"sentiment":"neutral","sentiment_score":0.08091594925836514},{"text":"Perfect.","start":926.20996,"end":926.70996,"sentiment":"neutral","sentiment_score":0.261280357837677},{"text":"Now you guys are off on daylight savings has clicked off for you in Victoria, hasn't it?","start":926.85,"end":932.23,"sentiment":"neutral","sentiment_score":0.11760562965098549}],"sentiment":"neutral","sentiment_score":0.1245796424114988,"num_words":42,"start":900.72,"end":932.23},{"sentences":[{"text":"So I'm assuming it's close to 11:00 your time.","start":933.41,"end":936.405,"sentiment":"neutral","sentiment_score":0.10468548370732202},{"text":"Yep.","start":941.28503,"end":941.68506,"sentiment":"neutral","sentiment_score":0.1557251513004303},{"text":"Perfect.","start":941.68506,"end":942.18506,"sentiment":"neutral","sentiment_score":0.2980196475982666},{"text":"Would you be able to do possibly, like, one or 2PM on that day?","start":942.405,"end":946.10504,"sentiment":"neutral","sentiment_score":0.12008435864533697},{"text":"Yep.","start":952.42,"end":952.92,"sentiment":"neutral","sentiment_score":0.18555007874965668}],"sentiment":"neutral","sentiment_score":0.12548635584803727,"num_words":26,"start":933.41,"end":952.92},{"sentences":[{"text":"Easy done.","start":953.06,"end":954.04,"sentiment":"positive","sentiment_score":0.429349809885025},{"text":"So I'll put you in for 01:00 on the twenty ninth, and we'll send you a bit of a a text reminder beforehand.","start":954.18,"end":962.83997,"sentiment":"neutral","sentiment_score":0.2725814069094865},{"text":"In case anything pops up, we can adjust it.","start":962.89996,"end":968.605,"sentiment":"neutral","sentiment_score":0.244728437728352},{"text":"Awesome.","start":968.605,"end":969.105,"sentiment":"positive","sentiment_score":0.5471730828285217},{"text":"John, do you have any other questions for me while I do have you?","start":969.885,"end":972.865,"sentiment":"neutral","sentiment_score":0.2561502680182457}],"sentiment":"neutral","sentiment_score":0.2747735663944361,"num_words":49,"start":953.06,"end":972.865},{"sentences":[{"text":"That is perfectly fine.","start":979.34,"end":980.72003,"sentiment":"neutral","sentiment_score":0.19935228861868382},{"text":"I'm just going through Kyle's notes for what he was working on for you.","start":981.02,"end":985.18005,"sentiment":"neutral","sentiment_score":0.25978389009833336},{"text":"Again, the main thing is just gonna be the super portfolio.","start":985.18005,"end":987.68005,"sentiment":"neutral","sentiment_score":0.07605733045122841},{"text":"He did make some notes that you're not looking to receive, like, insurance advice at the moment.","start":988.785,"end":993.425,"sentiment":"neutral","sentiment_score":-0.07312449111657984},{"text":"You're comfortable, obviously, with your asset position not to try and obtain insurances.","start":993.425,"end":998.245,"sentiment":"neutral","sentiment_score":-0.08183822121757728}],"sentiment":"neutral","sentiment_score":0.050237305525500896,"num_words":59,"start":979.34,"end":998.245},{"sentences":[{"text":"Does that sound about right?","start":998.385,"end":999.765,"sentiment":"neutral","sentiment_score":0.019194375723600388},{"text":"Perfect.","start":1001.28,"end":1001.78,"sentiment":"positive","sentiment_score":0.4077224731445313},{"text":"Estate planning wise, I think you guys don't still have a will in place.","start":1003.04,"end":1008.0,"sentiment":"neutral","sentiment_score":0.0978985314390489},{"text":"Is that correct?","start":1008.0,"end":1008.82,"sentiment":"neutral","sentiment_score":0.06557647387186687},{"text":"Yep.","start":1011.36,"end":1011.86,"sentiment":"neutral","sentiment_score":0.10288771986961363}],"sentiment":"neutral","sentiment_score":0.09057878889143467,"num_words":24,"start":998.385,"end":1011.86},{"sentences":[{"text":"Look.","start":1012.0,"end":1012.24,"sentiment":"neutral","sentiment_score":0.10793495923280716},{"text":"If it does help and it's just a bit of a friendly reminder, you don't have to always see a lawyer.","start":1012.24,"end":1017.935,"sentiment":"neutral","sentiment_score":0.12788261180477484},{"text":"If you do have a pretty simple structure, you can go to a public trustee of your state, kinda like the courthouse.","start":1017.995,"end":1024.255,"sentiment":"neutral","sentiment_score":0.08843343450941822},{"text":"And, also, it's not the best, but the post office has government approved will kits and power of attorney kits for, like, $25.","start":1025.035,"end":1034.15,"sentiment":"neutral","sentiment_score":0.04845882652570372},{"text":"So if that helps at all, even something simple enough just so it's more direct for your partner.","start":1034.29,"end":1039.83,"sentiment":"neutral","sentiment_score":0.16692090200053322}],"sentiment":"neutral","sentiment_score":0.10421334838165956,"num_words":85,"start":1012.0,"end":1039.83},{"sentences":[{"text":"The big thing for me is, obviously, if you pass away, most of your assets or all of them will go to your partner.","start":1040.29,"end":1046.31,"sentiment":"neutral","sentiment_score":-0.01572127143541972},{"text":"The power of attorney is pretty important too.","start":1046.615,"end":1048.9551,"sentiment":"neutral","sentiment_score":0.09612900763750076},{"text":"So if you're in hospital and you can't act on your own behalf, just making it easy for your family to, again, access any bank accounts, talk with the doctors without having to go to the courts for probate kinda just simplifies things a little bit.","start":1049.175,"end":1063.71,"sentiment":"neutral","sentiment_score":0.1462343144837929},{"text":"Yep.","start":1067.45,"end":1067.95,"sentiment":"neutral","sentiment_score":0.2872164845466614},{"text":"Easy done.","start":1068.25,"end":1069.15,"sentiment":"positive","sentiment_score":0.4223943054676056}],"sentiment":"neutral","sentiment_score":0.10185808775785529,"num_words":81,"start":1040.29,"end":1069.15},{"sentences":[{"text":"The only other thing that was mentioned was possibly even looking at investing at some point.","start":1070.89,"end":1077.1849,"sentiment":"neutral","sentiment_score":0.04292711475864053},{"text":"Were you still thinking about doing some personal investments over the next five to ten years?","start":1077.1849,"end":1083.125,"sentiment":"neutral","sentiment_score":0.026612065033987164},{"text":"Yeah.","start":1086.065,"end":1086.385,"sentiment":"neutral","sentiment_score":-0.015402874909341335},{"text":"Like shares and managed funds, there was a mention of it.","start":1086.385,"end":1089.33,"sentiment":"neutral","sentiment_score":-0.03485608304088766},{"text":"Easy done.","start":1103.265,"end":1104.085,"sentiment":"positive","sentiment_score":0.5484203398227692}],"sentiment":"neutral","sentiment_score":0.039361907999314695,"num_words":46,"start":1070.89,"end":1104.085},{"sentences":[{"text":"If you're ever curious about it, there's investment accounts with your super provider where you can have, like, an investment account on the same login with your super and invest in all the kinds same kinds of options, whether it's low risk up to high risk.","start":1104.3049,"end":1117.64,"sentiment":"neutral","sentiment_score":0.05158646603155395},{"text":"I'll put a pin in it for now.","start":1118.4199,"end":1120.26,"sentiment":"neutral","sentiment_score":0.07538020936772227},{"text":"And if you wanna chat about it towards the end of the year, we can revisit it once you've gone through your cash priorities.","start":1120.26,"end":1125.96,"sentiment":"neutral","sentiment_score":0.07348656142130494},{"text":"But I just wanted to let you know the offer's always there if you wanna investigate that with us.","start":1126.4199,"end":1130.895,"sentiment":"neutral","sentiment_score":0.08585125992172643},{"text":"Easy done.","start":1143.0701,"end":1143.63,"sentiment":"neutral","sentiment_score":0.12429865449666977}],"sentiment":"neutral","sentiment_score":0.06686331145465374,"num_words":99,"start":1104.3049,"end":1143.63},{"sentences":[{"text":"And it's one of the things that when we go through investing, we split it with the super in a different risk profile.","start":1143.63,"end":1149.5701,"sentiment":"neutral","sentiment_score":0.03969056458900804},{"text":"So, obviously, we're not gonna invest you the same in your own name as you would for retirement.","start":1149.79,"end":1154.37,"sentiment":"neutral","sentiment_score":-0.010890057724383142},{"text":"That's a different space, but it all has to be for a reason.","start":1154.43,"end":1157.4701,"sentiment":"neutral","sentiment_score":0.02068164169143599},{"text":"Right?","start":1157.4701,"end":1157.9701,"sentiment":"neutral","sentiment_score":0.04488321393728256},{"text":"It could be just to grow your funds and your wealth.","start":1158.315,"end":1161.0349,"sentiment":"neutral","sentiment_score":0.08540144698186354}],"sentiment":"neutral","sentiment_score":0.029848824533859664,"num_words":66,"start":1143.63,"end":1161.0349},{"sentences":[{"text":"It could be to have more funds available for an earlier retirement before 60, 65 if you wanna, you know, live off some of your assets before you hit your preservation age.","start":1161.0349,"end":1172.335,"sentiment":"neutral","sentiment_score":0.05466796545078978},{"text":"If there's an important goal or priority there, we can kind of tailor it to that.","start":1172.62,"end":1177.2,"sentiment":"neutral","sentiment_score":0.1430752663873136},{"text":"If there's no real reason to, we don't have to get you into investing, but we do do some toe dipping for people who are interested small amounts and get them started.","start":1177.4199,"end":1187.84,"sentiment":"neutral","sentiment_score":0.11029758874792606},{"text":"Cool.","start":1188.075,"end":1188.575,"sentiment":"neutral","sentiment_score":0.31602174043655396},{"text":"Alright.","start":1192.875,"end":1193.2749,"sentiment":"positive","sentiment_score":0.4019549489021301}],"sentiment":"neutral","sentiment_score":0.10104974007188547,"num_words":82,"start":1161.0349,"end":1193.2749},{"sentences":[{"text":"I think that's pretty much it.","start":1193.2749,"end":1194.815,"sentiment":"positive","sentiment_score":0.49869486192862195},{"text":"You're pretty well on top of all of your cash flow and budgeting.","start":1195.355,"end":1198.075,"sentiment":"positive","sentiment_score":0.6945947271126968},{"text":"You've got a great amount of savings there.","start":1198.075,"end":1199.9149,"sentiment":"positive","sentiment_score":0.7657512053847313},{"text":"Your house is paid off.","start":1199.9149,"end":1200.875,"sentiment":"positive","sentiment_score":0.6423367619514465},{"text":"You've got your holiday house and the three cars.","start":1200.875,"end":1203.2949,"sentiment":"positive","sentiment_score":0.6266503598954942}],"sentiment":"positive","sentiment_score":0.6585231052666176,"num_words":41,"start":1193.2749,"end":1203.2949},{"sentences":[{"text":"So I think you're in a pretty good position.","start":1203.6,"end":1205.44,"sentiment":"positive","sentiment_score":0.6252970281574461},{"text":"We just need to get you there for your super, and you should be good to go, John.","start":1205.44,"end":1209.22,"sentiment":"neutral","sentiment_score":0.3003033399581909},{"text":"Awesome.","start":1211.887,"end":1212.2069,"sentiment":"positive","sentiment_score":0.3800920844078064},{"text":"You have a fantastic day, and I shall talk to you on the twenty ninth.","start":1212.2069,"end":1216.2269,"sentiment":"positive","sentiment_score":0.589523462454478},{"text":"Thank you.","start":1218.687,"end":1219.247,"sentiment":"positive","sentiment_score":0.6710737943649292}],"sentiment":"positive","sentiment_score":0.47996055516931746,"num_words":45,"start":1203.6,"end":1219.247},{"sentences":[{"text":"Bye.","start":1219.247,"end":1219.747,"sentiment":"positive","sentiment_score":0.34668511152267456}],"sentiment":"positive","sentiment_score":0.34668511152267456,"num_words":1,"start":1219.247,"end":1219.747}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. Good. Thanks. Yeah. I'll do it. Yeah. That's fine. Yeah. 9th Of The 2nd 722 Lawson Court, Taylor's Lakes. Yeah. Yeah. Yeah. That's correct. Yes. Yes. Yep. I did about hold on. We've done it about six months ago. No. I don't know. No. I don't think so. Well, well, I was the last time I spoke to him, I think it I think I could put another 27,000 into my super because it was, you know, lower. I don't know. Yeah. Alright. The contribution was lower. Yeah. The contribution was lower. So I could add another 27,000 into my super. That was back then just to top it up. You know what I mean? Because I didn't because that was more you know, I didn't I don't know what you call it, but so I I spoke we spoke about that and we kind of I just he kind of said, you didn't say not not to worry about it, but like, I just got the impression not to worry about it. Like, it's better off me keeping the money into the bank. Yeah. No. I haven't. No. I haven't. No. No. Yeah. Yeah. Yep. Look. You know, look. We need to, like, renovate our bathroom here. That's, like, 30,000 and we've gotta get another car as well. So, you know, I'm not so yeah. When we spoke last time, I sort of, yeah, we got the impression that it's kinda not worth it sort of thing. I don't know. What do you think? You tell me. I don't know. So yeah. Yes. Yes. Yep. Yeah. Yeah. Yeah. Okay. Yep. Right. K. Yeah. Alright. Yeah. Look. We'll just just leave it the way it is. Let's see. No. I haven't logged in at all. Yeah. Yep. Yep. Yep. Yep. Yeah. About there. Spicy. Yeah. Yeah. Yep. Yep. Okay. Yeah. Okay. Yeah. I'll look I'll leave it look. I'll leave it up to you guys because I don't understand any of this. So I'll just whatever you reckon, we'll do. So you know what I mean? Yeah. He didn't know. I think he mentioned something like that. Yeah. Yeah. Yep. Okay. Yeah. Okay. Yes. Alright. Well, I'll leave that later up to you you guys. So use whatever you reckon. Yeah. Use do. So yeah. Yes. Well, how much more do I pay for the hiring time? What's Yeah. Yeah. Just improve it if you can. Yeah. Yeah. Yeah. Okay. Yeah. Yeah. The conversion license plate? Yeah. Early May. What I'll do is just gonna have to go through my phone and look at my oh, hold on. I'll give you roster here. Just let me have with me roster. It's better if I'm when I'm off, you can ring me instead of at work. So I'll just have a quick look. Sorry, mate. Just bear with me for a sec. Yeah. Alright. So what's today, the fourteenth? So what did you want? Early May, late April? What's what's good for you? From the twenty seventh onwards from April. Is that what you're saying? Yeah? Well, we can do what about the April 29? Is that right? Yes. Yep. Yes. That's correct. Yes. It is. Yeah. It's quarter to oh, tenth yeah. Quarter to eleven. Yep. That should be fine. I'm off anywhere. I'll be home. So yeah. No. Not really. No. No. I haven't. No. Yeah. All good. Yeah. Yep. No. Not yet. We're working on it. Yes. Yeah. Yeah. Yeah. We we are working on it. So What do you mean? Like, shares and stuff? Or I'm not buying that. Yeah. Look. Not for the moment. Like I said, I've gotta buy another car and renovate some bathrooms and stuff. Yeah. We'll see I'll see how we go. Yeah. Yes. Okay. Yeah. Yeah. I wish I knew more about all of that. I just don't understand how this stuff works. So, you know, if you want me to fix your car mode, I can fix it. But if you want me to do all this stuff, I don't know. You know what I mean? Yeah. Yeah. Yeah. Okay. Yeah. No worries. Thank you very much, man. No worries. No worries. Thank you very much, man. Okay. See you, man. 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Yeah. Good. Thanks. Yeah.\n\nI'll do it. Yeah. That's fine. Yeah. 9th Of The 2nd 722 Lawson Court, Taylor's Lakes.\n\nYeah. Yeah. Yeah. That's correct. Yes.\n\nYes. Yep. I did about hold on. We've done it about six months ago. No.\n\nI don't know. No. I don't think so. Well, well, I was the last time I spoke to him, I think it I think I could put another 27,000 into my super because it was, you know, lower. I don't know.\n\nYeah. Alright. The contribution was lower. Yeah. The contribution was lower.\n\nSo I could add another 27,000 into my super. That was back then just to top it up. You know what I mean? Because I didn't because that was more you know, I didn't I don't know what you call it, but so I I spoke we spoke about that and we kind of I just he kind of said, you didn't say not not to worry about it, but like, I just got the impression not to worry about it. Like, it's better off me keeping the money into the bank.\n\nYeah. No. I haven't. No. I haven't.\n\nNo. No. Yeah. Yeah. Yep.\n\nLook. You know, look. We need to, like, renovate our bathroom here. That's, like, 30,000 and we've gotta get another car as well. So, you know, I'm not so yeah.\n\nWhen we spoke last time, I sort of, yeah, we got the impression that it's kinda not worth it sort of thing. I don't know. What do you think? You tell me. I don't know.\n\nSo yeah. Yes. Yes. Yep. Yeah.\n\nYeah. Yeah. Okay. Yep. Right.\n\nK. Yeah. Alright. Yeah. Look.\n\nWe'll just just leave it the way it is. Let's see. No. I haven't logged in at all. Yeah.\n\nYep. Yep. Yep. Yep. Yeah.\n\nAbout there. Spicy. Yeah. Yeah. Yep.\n\nYep. Okay. Yeah. Okay. Yeah.\n\nI'll look I'll leave it look. I'll leave it up to you guys because I don't understand any of this. So I'll just whatever you reckon, we'll do. So you know what I mean? Yeah.\n\nHe didn't know. I think he mentioned something like that. Yeah. Yeah. Yep.\n\nOkay. Yeah. Okay. Yes. Alright.\n\nWell, I'll leave that later up to you you guys. So use whatever you reckon. Yeah. Use do. So yeah.\n\nYes. Well, how much more do I pay for the hiring time? What's Yeah. Yeah. Just improve it if you can.\n\nYeah. Yeah. Yeah. Okay. Yeah.\n\nYeah. The conversion license plate? Yeah. Early May. What I'll do is just gonna have to go through my phone and look at my oh, hold on.\n\nI'll give you roster here. Just let me have with me roster. It's better if I'm when I'm off, you can ring me instead of at work. So I'll just have a quick look. Sorry, mate.\n\nJust bear with me for a sec. Yeah. Alright. So what's today, the fourteenth? So what did you want?\n\nEarly May, late April? What's what's good for you? From the twenty seventh onwards from April. Is that what you're saying? Yeah?\n\nWell, we can do what about the April 29? Is that right? Yes. Yep. Yes.\n\nThat's correct. Yes. It is. Yeah. It's quarter to oh, tenth yeah.\n\nQuarter to eleven. Yep. That should be fine. I'm off anywhere. I'll be home.\n\nSo yeah. No. Not really. No. No.\n\nI haven't. No. Yeah. All good. Yeah.\n\nYep. No. Not yet. We're working on it. Yes.\n\nYeah. Yeah. Yeah. We we are working on it. So What do you mean?\n\nLike, shares and stuff? Or I'm not buying that. Yeah. Look. Not for the moment.\n\nLike I said, I've gotta buy another car and renovate some bathrooms and stuff. Yeah. We'll see I'll see how we go. Yeah. Yes.\n\nOkay. Yeah. Yeah. I wish I knew more about all of that. I just don't understand how this stuff works.\n\nSo, you know, if you want me to fix your car mode, I can fix it. But if you want me to do all this stuff, I don't know. You know what I mean? Yeah. Yeah.\n\nYeah. Okay. Yeah. No worries. Thank you very much, man.\n\nNo worries. No worries. Thank you very much, man. Okay. See you, man.\n\nBye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.0,"end":0.5,"sentiment":"neutral","sentiment_score":0.04306311905384064},{"text":"Yeah.","start":7.68,"end":7.9199996,"sentiment":"neutral","sentiment_score":0.2546390891075134},{"text":"Good.","start":7.9199996,"end":8.16,"sentiment":"positive","sentiment_score":0.4987999200820923},{"text":"Thanks.","start":8.16,"end":8.66,"sentiment":"positive","sentiment_score":0.5441049337387085},{"text":"Yeah.","start":16.085,"end":16.324999,"sentiment":"neutral","sentiment_score":0.07100975513458252}],"sentiment":"neutral","sentiment_score":0.28232336342334746,"num_words":5,"start":0.0,"end":16.324999},{"sentences":[{"text":"I'll do it.","start":16.324999,"end":17.224998,"sentiment":"neutral","sentiment_score":0.15031147003173828},{"text":"Yeah.","start":22.085,"end":22.325,"sentiment":"neutral","sentiment_score":0.09277687966823578},{"text":"That's 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correct.","start":78.134995,"end":78.875,"sentiment":"neutral","sentiment_score":0.11166146025061607},{"text":"Yes.","start":87.729996,"end":88.229996,"sentiment":"neutral","sentiment_score":0.09789416939020155}],"sentiment":"neutral","sentiment_score":0.09149794839322567,"num_words":6,"start":49.345,"end":88.229996},{"sentences":[{"text":"Yes.","start":96.85,"end":96.93,"sentiment":"neutral","sentiment_score":0.06438189744949341},{"text":"Yep.","start":96.93,"end":97.43,"sentiment":"neutral","sentiment_score":0.04515695571899414},{"text":"I did about hold on.","start":108.634995,"end":110.634995,"sentiment":"neutral","sentiment_score":-0.07395092844963073},{"text":"We've done it about six months ago.","start":110.634995,"end":112.41499,"sentiment":"neutral","sentiment_score":-0.06034066528081894},{"text":"No.","start":133.965,"end":134.205,"sentiment":"negative","sentiment_score":-0.4243221282958984}],"sentiment":"neutral","sentiment_score":-0.07379483828941981,"num_words":15,"start":96.85,"end":134.205},{"sentences":[{"text":"I don't know.","start":134.205,"end":135.025,"sentiment":"negative","sentiment_score":-0.38249149918556213},{"text":"No.","start":135.245,"end":135.485,"sentiment":"negative","sentiment_score":-0.5634905695915222},{"text":"I don't think so.","start":135.485,"end":136.545,"sentiment":"negative","sentiment_score":-0.5292193815112114},{"text":"Well, well, I was the last time I spoke to him, I think it I think I could put another 27,000 into my super because it was, you know, lower.","start":158.125,"end":169.745,"sentiment":"neutral","sentiment_score":0.13165376236041387},{"text":"I don't 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yeah.","start":280.095,"end":281.395,"sentiment":"neutral","sentiment_score":-0.0746718030422926},{"text":"Yes.","start":298.53998,"end":299.03998,"sentiment":"neutral","sentiment_score":0.2593325972557068},{"text":"Yes.","start":299.25998,"end":299.75998,"sentiment":"neutral","sentiment_score":0.31401675939559937},{"text":"Yep.","start":309.785,"end":310.285,"sentiment":"neutral","sentiment_score":0.14271458983421326},{"text":"Yeah.","start":326.37,"end":326.87,"sentiment":"neutral","sentiment_score":0.09003791958093643}],"sentiment":"neutral","sentiment_score":0.10945970999697845,"num_words":6,"start":280.095,"end":326.87},{"sentences":[{"text":"Yeah.","start":342.655,"end":343.155,"sentiment":"neutral","sentiment_score":0.2887965440750122},{"text":"Yeah.","start":363.495,"end":363.735,"sentiment":"neutral","sentiment_score":0.07804278284311295},{"text":"Okay.","start":363.735,"end":364.235,"sentiment":"neutral","sentiment_score":0.15779881179332733},{"text":"Yep.","start":380.29,"end":380.79,"sentiment":"neutral","sentiment_score":0.12783479690551758},{"text":"Right.","start":383.88998,"end":384.38998,"sentiment":"neutral","sentiment_score":0.08292688429355621}],"sentiment":"neutral","sentiment_score":0.14707996398210527,"num_words":5,"start":342.655,"end":384.38998},{"sentences":[{"text":"K.","start":384.61,"end":385.11,"sentiment":"neutral","sentiment_score":0.056718263775110245},{"text":"Yeah.","start":387.635,"end":388.135,"sentiment":"neutral","sentiment_score":0.11285239458084106},{"text":"Alright.","start":388.275,"end":388.775,"sentiment":"neutral","sentiment_score":0.15961560606956482},{"text":"Yeah.","start":389.955,"end":390.355,"sentiment":"neutral","sentiment_score":0.1471647024154663},{"text":"Look.","start":390.355,"end":390.595,"sentiment":"neutral","sentiment_score":0.16704776883125305}],"sentiment":"neutral","sentiment_score":0.1286797471344471,"num_words":5,"start":384.61,"end":390.595},{"sentences":[{"text":"We'll just just leave it the way it is.","start":390.595,"end":392.435,"sentiment":"neutral","sentiment_score":0.14115843425194421},{"text":"Let's see.","start":392.435,"end":393.815,"sentiment":"neutral","sentiment_score":0.07110833376646042},{"text":"No.","start":410.995,"end":411.495,"sentiment":"neutral","sentiment_score":-0.22529402375221252},{"text":"I haven't logged in at 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look I'll leave it look.","start":567.51,"end":569.20996,"sentiment":"neutral","sentiment_score":-0.07002067938446999},{"text":"I'll leave it up to you guys because I don't understand any of this.","start":569.35,"end":572.79,"sentiment":"neutral","sentiment_score":-0.2558916360139847},{"text":"So I'll just whatever you reckon, we'll do.","start":572.79,"end":575.67,"sentiment":"neutral","sentiment_score":-0.08033775258809328},{"text":"So you know what I mean?","start":575.67,"end":577.29,"sentiment":"neutral","sentiment_score":-0.05497801365951697},{"text":"Yeah.","start":587.925,"end":588.08496,"sentiment":"neutral","sentiment_score":-0.06611638516187668}],"sentiment":"neutral","sentiment_score":-0.14403695623789514,"num_words":35,"start":567.51,"end":588.08496},{"sentences":[{"text":"He didn't know.","start":588.08496,"end":588.645,"sentiment":"neutral","sentiment_score":-0.09623083223899205},{"text":"I think he mentioned something like 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I'll leave that later up to you you guys.","start":664.575,"end":667.135,"sentiment":"neutral","sentiment_score":0.13311253786087035},{"text":"So use whatever you reckon.","start":667.135,"end":668.755,"sentiment":"neutral","sentiment_score":0.10979079008102417},{"text":"Yeah.","start":668.815,"end":669.315,"sentiment":"neutral","sentiment_score":0.14226067066192627},{"text":"Use do.","start":669.375,"end":670.255,"sentiment":"neutral","sentiment_score":0.15411129593849182},{"text":"So yeah.","start":670.255,"end":672.59503,"sentiment":"neutral","sentiment_score":0.20729999244213104}],"sentiment":"neutral","sentiment_score":0.13725812882184982,"num_words":20,"start":664.575,"end":672.59503},{"sentences":[{"text":"Yes.","start":690.04004,"end":690.54004,"sentiment":"neutral","sentiment_score":0.19221580028533936},{"text":"Well, how much more do I pay for the hiring time?","start":716.85,"end":720.60504,"sentiment":"neutral","sentiment_score":-0.0035875225862996144},{"text":"What's Yeah.","start":720.98505,"end":727.72504,"sentiment":"neutral","sentiment_score":0.031164688989520073},{"text":"Yeah.","start":751.205,"end":751.445,"sentiment":"neutral","sentiment_score":0.22908832132816315},{"text":"Just improve it if you can.","start":751.445,"end":753.525,"sentiment":"neutral","sentiment_score":0.31030088166395825}],"sentiment":"neutral","sentiment_score":0.10980838291080934,"num_words":21,"start":690.04004,"end":753.525},{"sentences":[{"text":"Yeah.","start":753.525,"end":754.025,"sentiment":"neutral","sentiment_score":0.22500045597553253},{"text":"Yeah.","start":755.605,"end":756.105,"sentiment":"neutral","sentiment_score":0.3105087876319885},{"text":"Yeah.","start":774.26,"end":774.555,"sentiment":"neutral","sentiment_score":0.0865963026881218},{"text":"Okay.","start":778.395,"end":778.895,"sentiment":"neutral","sentiment_score":0.07165175676345825},{"text":"Yeah.","start":779.035,"end":779.535,"sentiment":"neutral","sentiment_score":0.14833272993564606}],"sentiment":"neutral","sentiment_score":0.16841800659894943,"num_words":5,"start":753.525,"end":779.535},{"sentences":[{"text":"Yeah.","start":789.61,"end":789.85004,"sentiment":"neutral","sentiment_score":0.0787542462348938},{"text":"The conversion license plate?","start":789.85004,"end":796.03,"sentiment":"neutral","sentiment_score":0.18303370103240013},{"text":"Yeah.","start":810.015,"end":810.415,"sentiment":"neutral","sentiment_score":0.004912828095257282},{"text":"Early May.","start":810.415,"end":811.315,"sentiment":"neutral","sentiment_score":-0.007866227999329567},{"text":"What I'll do is just gonna have to go through my phone and look at my oh, hold on.","start":826.18,"end":829.14,"sentiment":"neutral","sentiment_score":-0.006586902627819463}],"sentiment":"neutral","sentiment_score":0.0249969730567601,"num_words":27,"start":789.61,"end":829.14},{"sentences":[{"text":"I'll give you roster here.","start":829.14,"end":830.02,"sentiment":"neutral","sentiment_score":0.01942006340250373},{"text":"Just let me have with me roster.","start":830.02,"end":831.48004,"sentiment":"neutral","sentiment_score":0.07813077686088425},{"text":"It's better if I'm when I'm off, you can ring me instead of at work.","start":831.54004,"end":835.54504,"sentiment":"neutral","sentiment_score":0.028456514080365498},{"text":"So I'll just have a quick look.","start":835.60504,"end":837.065,"sentiment":"neutral","sentiment_score":0.03624398420963969},{"text":"Sorry, mate.","start":838.805,"end":839.365,"sentiment":"neutral","sentiment_score":-0.031607743352651596}],"sentiment":"neutral","sentiment_score":0.0350376630279546,"num_words":36,"start":829.14,"end":839.365},{"sentences":[{"text":"Just bear with me for a sec.","start":839.365,"end":840.905,"sentiment":"neutral","sentiment_score":-0.005844384697931153},{"text":"Yeah.","start":847.86,"end":848.36,"sentiment":"neutral","sentiment_score":0.12037516385316847},{"text":"Alright.","start":866.665,"end":867.145,"sentiment":"neutral","sentiment_score":0.16266128420829773},{"text":"So what's today, the fourteenth?","start":867.145,"end":868.765,"sentiment":"neutral","sentiment_score":0.09239798039197922},{"text":"So what did you want?","start":869.865,"end":871.085,"sentiment":"neutral","sentiment_score":0.0737401083111763}],"sentiment":"neutral","sentiment_score":0.056464010457459246,"num_words":19,"start":839.365,"end":871.085},{"sentences":[{"text":"Early May, late April?","start":871.385,"end":872.745,"sentiment":"neutral","sentiment_score":0.07368151284754276},{"text":"What's what's good for you?","start":872.745,"end":874.125,"sentiment":"neutral","sentiment_score":0.2152102679014206},{"text":"From the twenty seventh onwards from April.","start":896.455,"end":899.015,"sentiment":"neutral","sentiment_score":0.15176006087235042},{"text":"Is that what you're saying?","start":899.015,"end":899.895,"sentiment":"neutral","sentiment_score":0.14230459183454514},{"text":"Yeah?","start":899.895,"end":900.395,"sentiment":"neutral","sentiment_score":0.07267268002033234}],"sentiment":"neutral","sentiment_score":0.1462406116453084,"num_words":22,"start":871.385,"end":900.395},{"sentences":[{"text":"Well, we can do what about the April 29?","start":905.33,"end":913.41003,"sentiment":"neutral","sentiment_score":0.06338302253021134},{"text":"Is that right?","start":913.41003,"end":914.23004,"sentiment":"neutral","sentiment_score":0.11009681721528371},{"text":"Yes.","start":922.91504,"end":923.41504,"sentiment":"neutral","sentiment_score":0.103285551071167},{"text":"Yep.","start":924.515,"end":925.015,"sentiment":"neutral","sentiment_score":0.14056310057640076},{"text":"Yes.","start":932.13,"end":932.61005,"sentiment":"neutral","sentiment_score":0.0853147804737091}],"sentiment":"neutral","sentiment_score":0.08199340576926867,"num_words":15,"start":905.33,"end":932.61005},{"sentences":[{"text":"That's correct.","start":932.61005,"end":933.35004,"sentiment":"neutral","sentiment_score":0.12594972550868988},{"text":"Yes.","start":936.53,"end":936.85004,"sentiment":"neutral","sentiment_score":0.09179507195949554},{"text":"It is.","start":936.85004,"end":937.17004,"sentiment":"neutral","sentiment_score":0.08192876353859901},{"text":"Yeah.","start":937.17004,"end":937.41003,"sentiment":"neutral","sentiment_score":0.07110722362995148},{"text":"It's quarter to oh, tenth yeah.","start":937.41003,"end":940.05005,"sentiment":"neutral","sentiment_score":0.07212717334429423}],"sentiment":"neutral","sentiment_score":0.08428519281248252,"num_words":12,"start":932.61005,"end":940.05005},{"sentences":[{"text":"Quarter to eleven.","start":940.05005,"end":940.95,"sentiment":"neutral","sentiment_score":0.05815665423870087},{"text":"Yep.","start":947.475,"end":947.975,"sentiment":"neutral","sentiment_score":0.11930559575557707},{"text":"That should be fine.","start":949.15497,"end":950.115,"sentiment":"neutral","sentiment_score":0.20493058860301971},{"text":"I'm off anywhere.","start":950.115,"end":950.83496,"sentiment":"neutral","sentiment_score":0.09303297350804011},{"text":"I'll be home.","start":950.83496,"end":951.555,"sentiment":"neutral","sentiment_score":0.10954408595959346}],"sentiment":"neutral","sentiment_score":0.12294493509190423,"num_words":14,"start":940.05005,"end":951.555},{"sentences":[{"text":"So yeah.","start":951.555,"end":953.255,"sentiment":"neutral","sentiment_score":0.2188301682472229},{"text":"No.","start":974.135,"end":974.375,"sentiment":"neutral","sentiment_score":-0.1415066421031952},{"text":"Not really.","start":974.375,"end":974.935,"sentiment":"neutral","sentiment_score":-0.13382484018802643},{"text":"No.","start":974.935,"end":975.435,"sentiment":"neutral","sentiment_score":-0.18019826710224152},{"text":"No.","start":976.935,"end":977.33496,"sentiment":"neutral","sentiment_score":-0.23859703540802}],"sentiment":"neutral","sentiment_score":-0.055755898356437676,"num_words":7,"start":951.555,"end":977.33496},{"sentences":[{"text":"I haven't.","start":977.33496,"end":977.89496,"sentiment":"neutral","sentiment_score":-0.21761522442102432},{"text":"No.","start":977.89496,"end":978.39496,"sentiment":"neutral","sentiment_score":-0.032819319516420364},{"text":"Yeah.","start":980.935,"end":981.255,"sentiment":"positive","sentiment_score":0.35627490282058716},{"text":"All good.","start":981.255,"end":981.995,"sentiment":"positive","sentiment_score":0.5810748636722565},{"text":"Yeah.","start":1000.09503,"end":1000.59503,"sentiment":"neutral","sentiment_score":0.05014778673648834}],"sentiment":"neutral","sentiment_score":0.15721752122044563,"num_words":7,"start":977.33496,"end":1000.59503},{"sentences":[{"text":"Yep.","start":1001.055,"end":1001.555,"sentiment":"neutral","sentiment_score":0.1683732122182846},{"text":"No.","start":1009.215,"end":1009.455,"sentiment":"neutral","sentiment_score":-0.09669685363769533},{"text":"Not yet.","start":1009.455,"end":1009.935,"sentiment":"neutral","sentiment_score":-0.09782114252448082},{"text":"We're working on it.","start":1009.935,"end":1011.155,"sentiment":"neutral","sentiment_score":-0.010583504103124142},{"text":"Yes.","start":1020.95996,"end":1021.45996,"sentiment":"neutral","sentiment_score":0.09336324036121368}],"sentiment":"neutral","sentiment_score":-0.00810407805773947,"num_words":9,"start":1001.055,"end":1021.45996},{"sentences":[{"text":"Yeah.","start":1032.055,"end":1032.555,"sentiment":"neutral","sentiment_score":0.06462137401103973},{"text":"Yeah.","start":1049.52,"end":1050.02,"sentiment":"neutral","sentiment_score":0.06410305947065353},{"text":"Yeah.","start":1064.0549,"end":1064.455,"sentiment":"neutral","sentiment_score":0.09222936630249023},{"text":"We we are working on it.","start":1064.455,"end":1066.455,"sentiment":"neutral","sentiment_score":0.17967548097173372},{"text":"So What do you mean?","start":1066.455,"end":1084.32,"sentiment":"neutral","sentiment_score":0.04309268854558468}],"sentiment":"neutral","sentiment_score":0.10817643773875066,"num_words":14,"start":1032.055,"end":1084.32},{"sentences":[{"text":"Like, shares and stuff?","start":1084.32,"end":1085.36,"sentiment":"neutral","sentiment_score":-0.006617518607527018},{"text":"Or I'm not buying that.","start":1085.36,"end":1088.915,"sentiment":"neutral","sentiment_score":-0.028496969118714334},{"text":"Yeah.","start":1089.775,"end":1090.275,"sentiment":"neutral","sentiment_score":-0.030053362250328064},{"text":"Look.","start":1091.215,"end":1091.535,"sentiment":"neutral","sentiment_score":-0.08233782649040222},{"text":"Not for the moment.","start":1091.535,"end":1092.595,"sentiment":"neutral","sentiment_score":-0.2104831449687481}],"sentiment":"neutral","sentiment_score":-0.07488524590929349,"num_words":15,"start":1084.32,"end":1092.595},{"sentences":[{"text":"Like I said, I've gotta buy another car and renovate some bathrooms and stuff.","start":1093.375,"end":1098.355,"sentiment":"neutral","sentiment_score":-0.15101757964917592},{"text":"Yeah.","start":1099.87,"end":1100.37,"sentiment":"neutral","sentiment_score":0.012935323640704157},{"text":"We'll see I'll see how we go.","start":1100.99,"end":1102.69,"sentiment":"neutral","sentiment_score":0.05734047879065786},{"text":"Yeah.","start":1104.4299,"end":1104.9299,"sentiment":"neutral","sentiment_score":0.06444910913705826},{"text":"Yes.","start":1115.9451,"end":1116.4451,"sentiment":"neutral","sentiment_score":0.01066119596362114}],"sentiment":"neutral","sentiment_score":-0.06770071395051976,"num_words":24,"start":1093.375,"end":1116.4451},{"sentences":[{"text":"Okay.","start":1126.745,"end":1127.245,"sentiment":"neutral","sentiment_score":0.058897294104099274},{"text":"Yeah.","start":1131.5399,"end":1131.7799,"sentiment":"neutral","sentiment_score":0.016474522650241852},{"text":"Yeah.","start":1131.7799,"end":1132.26,"sentiment":"neutral","sentiment_score":0.004172526299953461},{"text":"I wish I knew more about all of that.","start":1132.26,"end":1133.7,"sentiment":"neutral","sentiment_score":-0.10540400611029731},{"text":"I just don't understand how this stuff works.","start":1133.7,"end":1136.4199,"sentiment":"neutral","sentiment_score":-0.19310720823705196}],"sentiment":"neutral","sentiment_score":-0.12069746889173985,"num_words":20,"start":1126.745,"end":1136.4199},{"sentences":[{"text":"So, you know, if you want me to fix your car mode, I can fix it.","start":1136.4199,"end":1139.14,"sentiment":"neutral","sentiment_score":-0.07259570830501616},{"text":"But if you want me to do all this stuff, I don't know.","start":1139.14,"end":1140.82,"sentiment":"neutral","sentiment_score":-0.10450974507973744},{"text":"You know what I mean?","start":1140.82,"end":1141.88,"sentiment":"neutral","sentiment_score":-0.042795051261782645},{"text":"Yeah.","start":1154.495,"end":1154.995,"sentiment":"neutral","sentiment_score":0.017408471554517746},{"text":"Yeah.","start":1169.04,"end":1169.325,"sentiment":"neutral","sentiment_score":0.038398414850234985}],"sentiment":"neutral","sentiment_score":-0.07439795524502794,"num_words":36,"start":1136.4199,"end":1169.325},{"sentences":[{"text":"Yeah.","start":1188.62,"end":1189.12,"sentiment":"neutral","sentiment_score":0.22332309186458588},{"text":"Okay.","start":1189.9,"end":1190.4,"sentiment":"neutral","sentiment_score":0.27605438232421875},{"text":"Yeah.","start":1208.015,"end":1208.515,"sentiment":"neutral","sentiment_score":0.20313315093517303},{"text":"No worries.","start":1209.7999,"end":1210.12,"sentiment":"neutral","sentiment_score":0.22807671874761581},{"text":"Thank you very much, man.","start":1210.12,"end":1211.5,"sentiment":"positive","sentiment_score":0.6480504512786865}],"sentiment":"positive","sentiment_score":0.4398916319012642,"num_words":10,"start":1188.62,"end":1211.5},{"sentences":[{"text":"No worries.","start":1211.88,"end":1212.5399,"sentiment":"neutral","sentiment_score":0.2809267044067383},{"text":"No worries.","start":1216.6,"end":1217.1599,"sentiment":"neutral","sentiment_score":0.24748601764440536},{"text":"Thank you very much, man.","start":1217.1599,"end":1218.38,"sentiment":"positive","sentiment_score":0.6829041838645935},{"text":"Okay.","start":1219.48,"end":1219.98,"sentiment":"neutral","sentiment_score":0.26670271158218384},{"text":"See you, man.","start":1220.0399,"end":1220.52,"sentiment":"neutral","sentiment_score":0.29268940289815265}],"sentiment":"positive","sentiment_score":0.4320090218232228,"num_words":13,"start":1211.88,"end":1220.52},{"sentences":[{"text":"Bye bye.","start":1220.52,"end":1221.1799,"sentiment":"neutral","sentiment_score":0.010403402149677277}],"sentiment":"neutral","sentiment_score":0.010403402149677277,"num_words":2,"start":1220.52,"end":1221.1799}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good morning, John. It's Tommy here, senior adviser from Oakview Financial. How are you doing today?\n\nChannel 1: Yeah. Good. Thanks.\n\nChannel 0: Mate, I'm just giving you a call to go through the couple of queries you had for the super and the contributions. Do you still have a bit of time this morning?\n\nChannel 1: Yeah. I'll do it.\n\nChannel 0: Perfect. So just before I jump into it, mate, are you okay for the call to be recorded?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Awesome. And just for the usual security process, so I'm registered with ASIC as adviser 1273105. Are you okay to confirm your date of birth address, please?\n\nChannel 1: Yeah. 9th Of The 2nd 722 Lawson Court, Taylor's Lakes.\n\nChannel 0: Thank you so much for that, John. Mate, I've had a bit of a look at your file this morning. I was talking to Kyle, your adviser, who is going through some updated advice with you.\n\nChannel 1: Yeah.\n\nChannel 0: I've crunched a few numbers today and just wanted to double check with you. Was the main two things just to talk about your contributions and the volatility of your super.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. First thing I wanna do is quickly do is I've just been going through your contribution history for the last twelve months. I've gotten your last twelve months of contributions. You're still doing that $100 a week salary sacrifice. And\n\nChannel 1: Yeah. That's correct.\n\nChannel 0: your contributions from work, they work out to be around about 22 and a half thousand for the last twelve months and then another $5\n\nChannel 1: Yes.\n\nChannel 0: on top for the salary sacrifice. Puts you at about just over 27 out of the 30 for this financial year.\n\nChannel 1: Yes. Yep.\n\nChannel 0: Now going backwards, when we're looking at carry forward contributions, have you ever logged into your myGov account to work out how much of an unused cap you have?\n\nChannel 1: I did about hold on. We've done it about six months ago.\n\nChannel 0: Perfect. Perfect. So you've got the six month details. That would have been still this financial year, which is perfect. Now we have actually switched systems in January.\n\nSo I've been trying to go through old archives and new file notes. Do you know if you may have provided that to us already?\n\nChannel 1: No. I don't know. No. I don't think so.\n\nChannel 0: K. So when I go through your assets that Carl took down in the last conversation, it shows that you had a solid couple of $100,000 in savings. So what I wanted to double check with you is were you looking to do a bit of a lump sum contribution before the end of the financial year, or what were you kind of thinking?\n\nChannel 1: Well, well, I was the last time I spoke to him, I think it I think I could put another 27,000 into my super because it was, you know, lower. I don't know. Yeah. Alright. The contribution was lower.\n\nYeah. The contribution was lower. So I could add another 27,000 into my super. That was back then just to top it up.\n\nChannel 0: Yeah.\n\nChannel 1: You know what I mean? Because I didn't because that was more you know, I didn't I don't know what you call it, but so I I spoke we spoke about that and we kind of I just he kind of said, you didn't say not not to worry about it, but like, I just got the impression not to worry about it. Like, it's better off me keeping the money into the bank.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: And because you don't really have much in the way of debts at the moment, do you?\n\nChannel 1: No. I haven't. No. I haven't. No.\n\nChannel 0: Yeah.\n\nChannel 1: No.\n\nChannel 0: So it really depends, like, because of your, like, your taxable income, we we had you at about a 160,000, which kind of works out pretty close to what I'm seeing in contributions coming in. If you did put an extra little lump sum in, obviously, you'd get that tax deduction between the 37% and the 15% that goes into super.\n\nChannel 1: Yeah.\n\nChannel 0: So you would save 22¢ on the dollar, and it'll boost up the super, but it'd be locked away until 60 plus. So\n\nChannel 1: Yeah.\n\nChannel 0: it's possible to do. It will give you a pretty big benefit, but it depends on your priorities for what you would like to use the cash for, if there's other things you would prefer to have it there for.\n\nChannel 1: Yep. Look. You know, look. We need to, like, renovate our bathroom here. That's, like, 30,000 and we've gotta get another car as well.\n\nSo, you know, I'm not so yeah. When we spoke last time, I sort of, yeah, we got the impression that it's kinda not worth it sort of thing.\n\nChannel 0: Yep.\n\nChannel 1: I\n\nChannel 0: And\n\nChannel 1: don't\n\nChannel 0: to\n\nChannel 1: know.\n\nChannel 0: be\n\nChannel 1: What\n\nChannel 0: honest\n\nChannel 1: do you think? You tell me. I don't know. So yeah.\n\nChannel 0: look. If you've got all of the, like, the car purchase and the renovations to do, it's not make or break. So you're already earning a decent amount. You've got a lot of contributions. You're salary sacrificing.\n\nYour high growth portfolio has a really good, like, long term return.\n\nChannel 1: Yes.\n\nChannel 0: So\n\nChannel 1: Yes.\n\nChannel 0: to get you into that retirement goal, you're going to be in this period. Like, I guess, the way I'd give you perspective on it is you're sitting at 437,000 today in the super.\n\nChannel 1: Yep.\n\nChannel 0: Most of the time, people spend their first twenty years of working life building up their their base. Because when you're sitting there with 30,000 in your super and you get a 10% return, it's $3, which is nowhere near what you're putting in in contributions. Right?\n\nChannel 1: Yeah.\n\nChannel 0: But now that you're sitting at 437,000, if you get a 10 or 20% return from your high growth fund, we're talking 40 to $80,000 in growth in a single year on top of almost $30 in contributions and salary sacrifice. So\n\nChannel 1: Yeah.\n\nChannel 0: going from $4.37 to a million dollars over the next seven to fourteen years, it's pretty realistic. And this is the part where you make the last bulk returns to get you to your target. It doesn't mean that you have to put that extra 20 in or you're not gonna be able to retire comfortably. Do you know what I mean?\n\nChannel 1: Yeah. Okay.\n\nChannel 0: So the way I would say it is, basically, if there's no other priority for the usage of the funds and you just wanna get the maximum benefit, then great. Get the tax deduction, get a bit of growth out of it in your super. But if you got other things to use it for, keep it as an emergency fund, the car, the\n\nChannel 1: Yep.\n\nChannel 0: renovations. It's not necessary.\n\nChannel 1: Right. K.\n\nChannel 0: Thoughts on that?\n\nChannel 1: Yeah. Alright. Yeah. Look. We'll just just leave it the way it is.\n\nLet's see.\n\nChannel 0: Yep. Now when it comes to the volatility, I've gone through a pretty deep dive this morning and a couple days ago with Kyle as well. Have you logged into your hub account the last couple of months just sort of watching it going up and down?\n\nChannel 1: No. I haven't logged in at all.\n\nChannel 0: No.\n\nChannel 1: Yeah.\n\nChannel 0: That's fine. That's what you've got us for. Basically, because you're in that high growth, like I just said before, those percentage based returns are a big swing in dollar terms for your account balance. So any\n\nChannel 1: Yep.\n\nChannel 0: five or 10% up or down, we're talking tens of thousands.\n\nChannel 1: Yep.\n\nChannel 0: What that basically means, I'll give you an example. So towards March, we had a bit of a peak in the markets. You were sitting at $4.42, then we had a nice big dip in the stock market with all of the news articles, and you went from $4.42 to $4.14. It was $30,000. And then\n\nChannel 1: Yep.\n\nChannel 0: it jumped straight away back up in under two weeks back to $4.37.\n\nChannel 1: Yep.\n\nChannel 0: That's very, very normal in the high growth fund. So my main questioning for today is whether we keep you at a high growth risk profile because you're still in that growth phase. The way I would kind of explain it is I think we have you noted down to retire around age 65. Does that sound about right?\n\nChannel 1: Yeah. About there. Spicy.\n\nChannel 0: Yep. So when I talk about growth versus protecting your super, first point is you don't wanna be high risk at the age of 64. Stock market crashes and you lose half your super a year before you access it to live on it. Do you know what I mean?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So when most of the cycles play out, whether it's COVID, the GFC, or the current situation, it usually revolves over a seven year period. So the stock market grows for five years, then it crashes, and it grows, and it crashes. You essentially have two market cycles left before you retire.\n\nChannel 1: Yep.\n\nChannel 0: So the main plan that we have for you is to keep the high level of contributions going, keep the high growth returns going for this next cycle. And then\n\nChannel 1: Yep.\n\nChannel 0: after that, we have to gradually reduce your risk level in those last seven years. Because\n\nChannel 1: Okay.\n\nChannel 0: if you're sitting at 90% shares property in gold now, over those last seven years, we will gradually taper you down eighty, seventy, sixty, fifty, 40%, and then transition you into a pension.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: So if you're comfortable with that plan, we basically use the current situation as a bit of a buying opportunity. Your contributions come in. If the market dips, we buy some shares, some properties, some gold at a cheaper price. So when it goes back up, you get that high 20% return. Does that make sense?\n\nChannel 1: Yeah. I'll look I'll leave it look. I'll leave it up to you guys because I don't understand any of this. So I'll just whatever you reckon, we'll do. So you know what\n\nChannel 0: K.\n\nChannel 1: I mean?\n\nChannel 0: There is one thing that Carl spoke to you about, which was your Australian shares option. I don't know if you remember him mentioning Bennelong last time you spoke.\n\nChannel 1: Yeah. He didn't know. I think he mentioned something like that. Yeah.\n\nChannel 0: Yeah. So at the time, Bennelong was the only one that was kind of underperforming, and there was a bit of a holding point to say, hey. Let's see if it kind of bounces back. The last few months, it hasn't really bounced back the way it should like the other seven options that you have because you have eight. Seven of them have done really well.\n\nOne of them has done, I guess, pretty poorly, to be honest. That's\n\nChannel 1: Yeah.\n\nChannel 0: probably the one where if you're comfortable to do this seven years of growth, seven years of protection, I would keep you in high growth, keep your salary sacrifice going, but switch\n\nChannel 1: Yep.\n\nChannel 0: out that underperforming investment to a like for like better option.\n\nChannel 1: Okay.\n\nChannel 0: So that's probably the I guess, the word I would use is\n\nChannel 1: Yeah.\n\nChannel 0: the optimization that I would like to do, which is, okay. One apple is starting to go rotten. Let's knock that one out and put a nice fresh green apple in, and the rest of the fruit basket is doing great. And then, eventually, you can sort of jump into it for retirement.\n\nChannel 1: Okay.\n\nChannel 0: So if you're comfortable with that, you don't need to do the additional contributions, the lump sum. We don't really need to change the risk level if you're comfortable to kind of ride this out for a couple of years,\n\nChannel 1: Yes.\n\nChannel 0: but we do need to switch one of the investments around.\n\nChannel 1: Alright. Well, I'll leave that later up to you you guys. So use whatever you reckon. Yeah. Use do.\n\nSo\n\nChannel 0: Easy done. So after\n\nChannel 1: yeah.\n\nChannel 0: today's conversation, I'm going to get my team to research the two or three alternatives that we have in this space for Australian shares. One question I do have for you, and, obviously, I'm gonna make a recommendation with Kyle, but I want you to kind of give me your gut feeling on this question. So\n\nChannel 1: Yes.\n\nChannel 0: you can choose between two styles of investment. You've got the lowest fees, which follows the market up and down. We call that passive. Or you can pay a slightly higher investment fee for a fund manager to try and pick and choose stocks and try and get you a better outcome than the general market. Do you have a strong leaning between going to the lowest fees or paying a bit more to get a higher return?\n\nChannel 1: Well, how much more do I pay for\n\nChannel 0: Well,\n\nChannel 1: the hiring time? What's\n\nChannel 0: your current option I'm looking to switch out is currently sitting at about 1% investment fee. We\n\nChannel 1: Yeah.\n\nChannel 0: do have an alternative, which is, like, slightly cheaper but much better performance but still active, or we can switch it to a lower fee option. So I've got a really good option in either pocket. I just wanna know, do you have, like, a strong leaning where you go, no. No. No.\n\nPlease lower my fees, or I'm comfortable to maintain the current style. Just improve it.\n\nChannel 1: Yeah. Just improve it if you can. Yeah.\n\nChannel 0: Yep. Easy done.\n\nChannel 1: Yeah.\n\nChannel 0: If you're at all curious, I can kind of share with you those options. But what I would like to do essentially is once I've done that comparison, we'll put it in an updated statement of advice so you've got it in writing, and then my team will pretty much book you in to run through that document, make sure you're comfortable with what we're gonna change. And once\n\nChannel 1: Yeah.\n\nChannel 0: you sign off on that, we can switch the investments around. Is that okay?\n\nChannel 1: Okay. Yeah.\n\nChannel 0: Perfect. Now because Kyle is currently away today, and I'll be going on paternity leave for a baby daughter in a month's time, I\n\nChannel 1: Yeah.\n\nChannel 0: pretty\n\nChannel 1: The conversion\n\nChannel 0: much\n\nChannel 1: license\n\nChannel 0: need thank you. It's number three for me. So I've got a six year old, a three year old, and\n\nChannel 1: plate?\n\nChannel 0: a daughter on the way, and I'm just trying to make sure I close out anything we need to do for the clients before I go. Do you have any availability in early May to go through this with me?\n\nChannel 1: Yeah. Early May.\n\nChannel 0: And what I'm sort of thinking is late April or early May kind of better from an availability standpoint? Do you have any kind of main weeks that are really difficult to reach you or weeks where it would be much easier to reach you?\n\nChannel 1: What I'll do is just gonna have to go through my phone and look at my oh, hold on. I'll give you roster here. Just let me have with me roster. It's better if\n\nChannel 0: Yeah.\n\nChannel 1: I'm when I'm off, you can ring me instead\n\nChannel 0: Yep.\n\nChannel 1: of at work. So I'll just have a quick look. Sorry, mate. Just bear with me for a sec.\n\nChannel 0: No worries at all. And pretty much just need maybe half an hour or so, give or take ten minutes.\n\nChannel 1: Yeah.\n\nChannel 0: I don't apologize. It's totally fine.\n\nChannel 1: Alright. So what's today, the fourteenth? So what did you want? Early May, late April? What's what's good for you?\n\nChannel 0: Yeah. So if I'm looking at my availability, anything from the twenty seventh onwards of April is pretty good. I'm pretty well in an early start on a Monday, Friday, or even late nights on a Tuesday, Wednesday, or Thursday, if that helps at all.\n\nChannel 1: From the twenty seventh onwards from April. Is that what you're saying? Yeah?\n\nChannel 0: Yes.\n\nChannel 1: Well, we can do what about the April 29?\n\nChannel 0: '20\n\nChannel 1: Is that right?\n\nChannel 0: ninth is perfect. And are you thinking would you be able to do any time in the afternoon on the twenty ninth?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Perfect. Now you guys are off on daylight savings has clicked off for you in Victoria, hasn't it?\n\nChannel 1: Yes. That's correct.\n\nChannel 0: So I'm assuming it's close to 11:00 your time.\n\nChannel 1: Yes. It is. Yeah. It's quarter to oh, tenth yeah. Quarter to eleven.\n\nChannel 0: Yep. Perfect. Would you be able to do possibly, like, one or 2PM on that day?\n\nChannel 1: Yep. That should be fine. I'm off anywhere. I'll be home. So\n\nChannel 0: Yep.\n\nChannel 1: yeah.\n\nChannel 0: Easy done. So I'll put you in for 01:00 on the twenty ninth, and we'll send you a bit of a a text reminder beforehand. In case anything pops up, we can adjust it. Awesome. John, do you have any other questions for me while I do have you?\n\nChannel 1: No. Not really. No. No. I haven't.\n\nNo.\n\nChannel 0: That is perfectly fine.\n\nChannel 1: Yeah.\n\nChannel 0: I'm just\n\nChannel 1: All\n\nChannel 0: going\n\nChannel 1: good.\n\nChannel 0: through Kyle's notes for what he was working on for you. Again, the main thing is just gonna be the super portfolio. He did make some notes that you're not looking to receive, like, insurance advice at the moment. You're comfortable, obviously, with your asset position not to try and obtain insurances. Does that sound about right?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Perfect. Estate planning wise, I think you guys don't still have a will in place. Is that correct?\n\nChannel 1: No. Not yet. We're working on it.\n\nChannel 0: Yep. Look. If it does help and it's just a bit of a friendly reminder, you don't have to always see a lawyer. If you do have a pretty simple structure, you can\n\nChannel 1: Yes.\n\nChannel 0: go to a public trustee of your state, kinda like the courthouse. And, also, it's not the best, but the post office has government approved will kits and power of\n\nChannel 1: Yeah.\n\nChannel 0: attorney kits for, like, $25. So if that helps at all, even something simple enough just so it's more direct for your partner. The big thing for me is, obviously, if you pass away, most of your assets or all of them will go to your partner. The power of attorney is pretty important too. So if you're\n\nChannel 1: Yeah.\n\nChannel 0: in hospital and you can't act on your own behalf, just making it easy for your family to, again, access any bank accounts, talk with the doctors without having to go to the courts for probate kinda just simplifies things a little bit.\n\nChannel 1: Yeah. We we are working on it. So\n\nChannel 0: Yep. Easy done. The only other thing that was mentioned was possibly even looking at investing at some point. Were you still thinking about doing some personal investments over the next five to ten years?\n\nChannel 1: What do you mean? Like, shares and stuff? Or\n\nChannel 0: Yeah. Like\n\nChannel 1: I'm\n\nChannel 0: shares and\n\nChannel 1: not buying\n\nChannel 0: managed funds, there was a mention\n\nChannel 1: that.\n\nChannel 0: of it.\n\nChannel 1: Yeah. Look. Not for the moment. Like I said, I've gotta buy another car and renovate some bathrooms and stuff. Yeah.\n\nWe'll see I'll see how we go.\n\nChannel 0: Easy done. If\n\nChannel 1: Yeah.\n\nChannel 0: you're ever curious about it, there's investment accounts with your super provider where you can have, like, an investment account on the same login with your super and invest in all the kinds same kinds of options, whether it's low\n\nChannel 1: Yes.\n\nChannel 0: risk up to high risk. I'll put a pin in it for now. And if you wanna chat about it towards the end of the year, we can revisit it once you've gone through your cash priorities. But I just\n\nChannel 1: Okay.\n\nChannel 0: wanted to let you know the offer's always there if you wanna investigate that with us.\n\nChannel 1: Yeah. Yeah. I wish I knew more about all of that. I just don't understand how this stuff works. So, you know, if you want me to fix your car mode, I can fix it.\n\nBut if you want me to do all this stuff, I don't know. You know what I mean?\n\nChannel 0: Easy done. And it's one of the things that when we go through investing, we split it with the super in a different risk profile. So, obviously, we're not gonna invest you the same in your own name as you would for retirement. That's\n\nChannel 1: Yeah.\n\nChannel 0: a different space, but it all has to be for a reason. Right? It could be just to grow your funds and your wealth. It could be to have more funds available for an earlier retirement before 60, 65 if you wanna, you know, live off\n\nChannel 1: Yeah.\n\nChannel 0: some of your assets before you hit your preservation age. If there's an important goal or priority there, we can kind of tailor it to that. If there's no real reason to, we don't have to get you into investing, but we do do some toe dipping for people who are interested small amounts and get them started. Cool.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Alright. I think that's pretty much it. You're pretty well on top of all of your cash flow and budgeting. You've got a great amount of savings there. Your house is paid off.\n\nYou've got your holiday house and the three cars. So I think you're in a pretty good position. We just need to get you there for your super, and you should\n\nChannel 1: Yeah.\n\nChannel 0: be good to go, John.\n\nChannel 1: No worries. Thank you very much, man. No\n\nChannel 0: Awesome.\n\nChannel 1: worries.\n\nChannel 0: You have a fantastic day, and I shall talk to you on the twenty ninth.\n\nChannel 1: No worries. Thank you very much, man.\n\nChannel 0: Thank you. Bye.\n\nChannel 1: Okay. See you, man. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.0,"end":0.5,"sentiment":"neutral","sentiment_score":0.04306311905384064}],"sentiment":"neutral","sentiment_score":0.04306311905384064,"channel":1,"num_words":1,"start":0.0,"end":0.5},{"sentences":[{"text":"Good morning, John.","start":3.04,"end":3.84,"sentiment":"neutral","sentiment_score":0.31242502729098004},{"text":"It's Tommy here, senior adviser from Oakview Financial.","start":3.84,"end":6.3199997,"sentiment":"neutral","sentiment_score":0.24569372832775116},{"text":"How are you doing today?","start":6.3199997,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.2641507476568222}],"sentiment":"neutral","sentiment_score":0.2639736654236913,"channel":0,"num_words":16,"start":3.04,"end":7.3799996},{"sentences":[{"text":"Yeah.","start":7.68,"end":7.9199996,"sentiment":"neutral","sentiment_score":0.2546390891075134},{"text":"Good.","start":7.9199996,"end":8.16,"sentiment":"positive","sentiment_score":0.4987999200820923},{"text":"Thanks.","start":8.16,"end":8.66,"sentiment":"positive","sentiment_score":0.5441049337387085}],"sentiment":"positive","sentiment_score":0.4325146476427714,"channel":1,"num_words":3,"start":7.68,"end":8.66},{"sentences":[{"text":"Mate, I'm just giving you a call to go through the couple of queries you had for the super and the contributions.","start":8.96,"end":13.86,"sentiment":"neutral","sentiment_score":0.12395578758283095},{"text":"Do you still have a bit of time this morning?","start":13.92,"end":15.765,"sentiment":"neutral","sentiment_score":0.043809565156698226}],"sentiment":"neutral","sentiment_score":0.09891009307466447,"channel":0,"num_words":32,"start":8.96,"end":15.765},{"sentences":[{"text":"Yeah.","start":16.085,"end":16.324999,"sentiment":"neutral","sentiment_score":0.07100975513458252},{"text":"I'll do it.","start":16.324999,"end":17.224998,"sentiment":"neutral","sentiment_score":0.15031147003173828}],"sentiment":"neutral","sentiment_score":0.13048604130744934,"channel":1,"num_words":4,"start":16.085,"end":17.224998},{"sentences":[{"text":"Perfect.","start":17.605,"end":18.085001,"sentiment":"positive","sentiment_score":0.4688605070114136},{"text":"So just before I jump into it, mate, are you okay for the call to be recorded?","start":18.085001,"end":21.385,"sentiment":"neutral","sentiment_score":0.09434296859099585}],"sentiment":"neutral","sentiment_score":0.11514949850324127,"channel":0,"num_words":18,"start":17.605,"end":21.385},{"sentences":[{"text":"Yeah.","start":22.085,"end":22.325,"sentiment":"neutral","sentiment_score":0.09277687966823578},{"text":"That's fine.","start":22.325,"end":23.145,"sentiment":"neutral","sentiment_score":0.21340084075927734}],"sentiment":"neutral","sentiment_score":0.17319285372893015,"channel":1,"num_words":3,"start":22.085,"end":23.145},{"sentences":[{"text":"Awesome.","start":23.525,"end":23.845001,"sentiment":"positive","sentiment_score":0.47386956214904785},{"text":"And just for the usual security process, so I'm registered with ASIC as adviser 1273105.","start":23.845001,"end":31.08,"sentiment":"neutral","sentiment_score":0.18962019085884094},{"text":"Are you okay to confirm your date of birth address, please?","start":31.220001,"end":33.8,"sentiment":"neutral","sentiment_score":0.08243726532567631}],"sentiment":"neutral","sentiment_score":0.15648082754126302,"channel":0,"num_words":27,"start":23.525,"end":33.8},{"sentences":[{"text":"Yeah.","start":34.27,"end":34.67,"sentiment":"neutral","sentiment_score":0.027784954756498337},{"text":"9th Of The 2nd 722 Lawson Court, Taylor's Lakes.","start":34.67,"end":39.105,"sentiment":"neutral","sentiment_score":0.03225830528471205}],"sentiment":"neutral","sentiment_score":0.03181097023189068,"channel":1,"num_words":10,"start":34.27,"end":39.105},{"sentences":[{"text":"Thank you so much for that, John.","start":39.78,"end":41.625,"sentiment":"positive","sentiment_score":0.610936530998775},{"text":"Mate, I've had a bit of a look at your file this morning.","start":41.785,"end":44.025,"sentiment":"neutral","sentiment_score":0.2436546924022528},{"text":"I was talking to Kyle, your adviser, who is going through some updated advice with you.","start":44.025,"end":49.245,"sentiment":"neutral","sentiment_score":0.1542783658951521}],"sentiment":"neutral","sentiment_score":0.275347793681754,"channel":0,"num_words":36,"start":39.78,"end":49.245},{"sentences":[{"text":"Yeah.","start":49.345,"end":49.845,"sentiment":"neutral","sentiment_score":0.04326346144080162}],"sentiment":"neutral","sentiment_score":0.04326346144080162,"channel":1,"num_words":1,"start":49.345,"end":49.845},{"sentences":[{"text":"I've crunched a few numbers today and just wanted to double check with you.","start":50.025,"end":53.785,"sentiment":"neutral","sentiment_score":0.002422287528003965},{"text":"Was the main two things just to talk about your contributions and the volatility of your super.","start":53.785,"end":58.55,"sentiment":"neutral","sentiment_score":-0.019257388680296784}],"sentiment":"neutral","sentiment_score":-0.009466567166870641,"channel":0,"num_words":31,"start":50.025,"end":58.55},{"sentences":[{"text":"Yeah.","start":59.35,"end":59.85,"sentiment":"neutral","sentiment_score":0.11388026177883148}],"sentiment":"neutral","sentiment_score":0.11388026177883148,"channel":1,"num_words":1,"start":59.35,"end":59.85},{"sentences":[{"text":"Perfect.","start":62.53,"end":62.69,"sentiment":"neutral","sentiment_score":0.2728777825832367},{"text":"First thing I wanna do is quickly do is I've just been going through your contribution history for the last twelve months.","start":62.69,"end":69.75,"sentiment":"neutral","sentiment_score":0.11396494338458235},{"text":"I've gotten your last twelve months of contributions.","start":70.369995,"end":73.725,"sentiment":"neutral","sentiment_score":0.06995784072205424},{"text":"You're still doing that $100 a week salary sacrifice.","start":74.424995,"end":77.165,"sentiment":"neutral","sentiment_score":0.06360635699497329},{"text":"And","start":77.784996,"end":78.284996,"sentiment":"neutral","sentiment_score":0.060489457100629807}],"sentiment":"neutral","sentiment_score":0.0968955105579481,"channel":0,"num_words":41,"start":62.53,"end":78.284996},{"sentences":[{"text":"Yeah.","start":77.895,"end":78.134995,"sentiment":"neutral","sentiment_score":0.0706268772482872},{"text":"That's correct.","start":78.134995,"end":78.875,"sentiment":"neutral","sentiment_score":0.11166146025061607}],"sentiment":"neutral","sentiment_score":0.09798326591650645,"channel":1,"num_words":3,"start":77.895,"end":78.875},{"sentences":[{"text":"your contributions from work, they work out to be around about 22 and a half thousand for the last twelve months and then another $5","start":79.945,"end":87.91,"sentiment":"neutral","sentiment_score":0.0700901548564434}],"sentiment":"neutral","sentiment_score":0.0700901548564434,"channel":0,"num_words":25,"start":79.945,"end":87.91},{"sentences":[{"text":"Yes.","start":87.729996,"end":88.229996,"sentiment":"neutral","sentiment_score":0.09789416939020155}],"sentiment":"neutral","sentiment_score":0.09789416939020155,"channel":1,"num_words":1,"start":87.729996,"end":88.229996},{"sentences":[{"text":"on top for the salary sacrifice.","start":87.91,"end":89.85,"sentiment":"neutral","sentiment_score":0.12502379591266313},{"text":"Puts you at about just over 27 out of the 30 for this financial year.","start":90.07,"end":95.45,"sentiment":"neutral","sentiment_score":0.11888405382633209}],"sentiment":"neutral","sentiment_score":0.1206382658509981,"channel":0,"num_words":21,"start":87.91,"end":95.45},{"sentences":[{"text":"Yes.","start":96.85,"end":96.93,"sentiment":"neutral","sentiment_score":0.06438189744949341},{"text":"Yep.","start":96.93,"end":97.43,"sentiment":"neutral","sentiment_score":0.04515695571899414}],"sentiment":"neutral","sentiment_score":0.054769426584243774,"channel":1,"num_words":2,"start":96.85,"end":97.43},{"sentences":[{"text":"Now going backwards, when we're looking at carry forward contributions, have you ever logged into your myGov account to work out how much of an unused cap you have?","start":97.685,"end":107.785,"sentiment":"neutral","sentiment_score":-0.02271370755123167}],"sentiment":"neutral","sentiment_score":-0.02271370755123167,"channel":0,"num_words":29,"start":97.685,"end":107.785},{"sentences":[{"text":"I did about hold on.","start":108.634995,"end":110.634995,"sentiment":"neutral","sentiment_score":-0.07395092844963073},{"text":"We've done it about six months ago.","start":110.634995,"end":112.41499,"sentiment":"neutral","sentiment_score":-0.06034066528081894}],"sentiment":"neutral","sentiment_score":-0.06601160826782386,"channel":1,"num_words":12,"start":108.634995,"end":112.41499},{"sentences":[{"text":"Perfect.","start":113.7,"end":114.1,"sentiment":"neutral","sentiment_score":0.25471359491348267},{"text":"Perfect.","start":114.1,"end":114.5,"sentiment":"neutral","sentiment_score":0.2638704776763916},{"text":"So you've got the six month details.","start":114.5,"end":117.4,"sentiment":"neutral","sentiment_score":0.17932666625295365},{"text":"That would have been still this financial year, which is perfect.","start":117.94,"end":121.08,"sentiment":"neutral","sentiment_score":0.32534385269338434},{"text":"Now we have actually switched systems in January.","start":121.619995,"end":124.119995,"sentiment":"neutral","sentiment_score":0.006854117847979069}],"sentiment":"neutral","sentiment_score":0.19312450209898607,"channel":0,"num_words":28,"start":113.7,"end":124.119995},{"sentences":[{"text":"So I've been trying to go through old archives and new file notes.","start":124.185,"end":128.605,"sentiment":"neutral","sentiment_score":0.0068607717089784834},{"text":"Do you know if you may have provided that to us already?","start":129.065,"end":132.045,"sentiment":"neutral","sentiment_score":0.004666566693534453}],"sentiment":"neutral","sentiment_score":0.005807553301565349,"channel":0,"num_words":25,"start":124.185,"end":132.045},{"sentences":[{"text":"No.","start":133.965,"end":134.205,"sentiment":"negative","sentiment_score":-0.4243221282958984},{"text":"I don't know.","start":134.205,"end":135.025,"sentiment":"negative","sentiment_score":-0.38249149918556213},{"text":"No.","start":135.245,"end":135.485,"sentiment":"negative","sentiment_score":-0.5634905695915222},{"text":"I don't think so.","start":135.485,"end":136.545,"sentiment":"negative","sentiment_score":-0.5292193815112114}],"sentiment":"negative","sentiment_score":-0.4724627468321059,"channel":1,"num_words":9,"start":133.965,"end":136.545},{"sentences":[{"text":"K.","start":137.0,"end":137.5,"sentiment":"neutral","sentiment_score":0.0012096334248781204},{"text":"So when I go through your assets that Carl took down in the last conversation, it shows that you had a solid couple of $100,000 in savings.","start":137.8,"end":148.54,"sentiment":"neutral","sentiment_score":0.2916239673892657},{"text":"So what I wanted to double check with you is were you looking to do a bit of a lump sum contribution before the end of the financial year, or what were you kind of thinking?","start":149.125,"end":157.545,"sentiment":"neutral","sentiment_score":0.1491290900028414}],"sentiment":"neutral","sentiment_score":0.20693287489120848,"channel":0,"num_words":64,"start":137.0,"end":157.545},{"sentences":[{"text":"Well, well, I was the last time I spoke to him, I think it I think I could put another 27,000 into my super because it was, you know, lower.","start":158.125,"end":169.745,"sentiment":"neutral","sentiment_score":0.13165376236041387},{"text":"I don't know.","start":171.81,"end":172.55,"sentiment":"neutral","sentiment_score":-0.07085283100605011},{"text":"Yeah.","start":174.20999,"end":174.70999,"sentiment":"neutral","sentiment_score":0.14067980647087097},{"text":"Alright.","start":175.56999,"end":176.05,"sentiment":"neutral","sentiment_score":0.24388310313224792},{"text":"The contribution was lower.","start":176.05,"end":177.49,"sentiment":"neutral","sentiment_score":0.17867450416088104}],"sentiment":"neutral","sentiment_score":0.12400808471899766,"channel":1,"num_words":39,"start":158.125,"end":177.49},{"sentences":[{"text":"Yeah.","start":177.49,"end":177.73,"sentiment":"neutral","sentiment_score":0.25299644470214844},{"text":"The contribution was lower.","start":177.73,"end":178.77,"sentiment":"neutral","sentiment_score":0.2357008084654808},{"text":"So I could add another 27,000 into my super.","start":178.77,"end":182.61,"sentiment":"neutral","sentiment_score":0.290333671702279},{"text":"That was back then just to top it up.","start":182.61,"end":184.37,"sentiment":"neutral","sentiment_score":0.21914280951023102}],"sentiment":"neutral","sentiment_score":0.25135165258594183,"channel":1,"num_words":23,"start":177.49,"end":184.37},{"sentences":[{"text":"Yeah.","start":184.275,"end":184.775,"sentiment":"neutral","sentiment_score":0.1638573408126831}],"sentiment":"neutral","sentiment_score":0.1638573408126831,"channel":0,"num_words":1,"start":184.275,"end":184.775},{"sentences":[{"text":"You know what I mean?","start":184.37,"end":185.09,"sentiment":"neutral","sentiment_score":0.08655742555856705},{"text":"Because I didn't because that was more you know, I didn't I don't know what you call it, but so I I spoke we spoke about that and we kind of I just he kind of said, you didn't say not not to worry about it, but like, I just got the impression not to worry about it.","start":185.09,"end":204.98999,"sentiment":"neutral","sentiment_score":0.06172299616295716},{"text":"Like, it's better off me keeping the money into the bank.","start":204.98999,"end":207.89,"sentiment":"neutral","sentiment_score":0.08443585309115323}],"sentiment":"neutral","sentiment_score":0.06677723363847346,"channel":1,"num_words":74,"start":184.37,"end":207.89},{"sentences":[{"text":"Yeah.","start":208.14499,"end":208.465,"sentiment":"neutral","sentiment_score":0.0811634287238121},{"text":"Yeah.","start":208.465,"end":208.94499,"sentiment":"neutral","sentiment_score":0.08020413666963577}],"sentiment":"neutral","sentiment_score":0.08068378269672394,"channel":0,"num_words":2,"start":208.14499,"end":208.94499},{"sentences":[{"text":"Yeah.","start":208.59,"end":209.09,"sentiment":"neutral","sentiment_score":0.07011226564645767}],"sentiment":"neutral","sentiment_score":0.07011226564645767,"channel":1,"num_words":1,"start":208.59,"end":209.09},{"sentences":[{"text":"And because you don't really have much in the way of debts at the moment, do 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you think?","start":278.335,"end":278.97498,"sentiment":"neutral","sentiment_score":-0.08942007770140965},{"text":"You tell me.","start":278.97498,"end":279.455,"sentiment":"neutral","sentiment_score":-0.15278524657090506},{"text":"I don't know.","start":279.455,"end":280.095,"sentiment":"neutral","sentiment_score":-0.1558708647886912},{"text":"So yeah.","start":280.095,"end":281.395,"sentiment":"neutral","sentiment_score":-0.0746718030422926}],"sentiment":"neutral","sentiment_score":-0.12214292484250935,"channel":1,"num_words":11,"start":278.335,"end":281.395},{"sentences":[{"text":"look.","start":281.245,"end":281.485,"sentiment":"neutral","sentiment_score":-0.019608672708272937},{"text":"If you've got all of the, like, the car purchase and the renovations to do, it's not make or break.","start":281.485,"end":287.66498,"sentiment":"neutral","sentiment_score":0.05111044999212026},{"text":"So you're already earning a decent 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$4.37.","start":451.035,"end":456.255,"sentiment":"neutral","sentiment_score":0.1037049565750819}],"sentiment":"neutral","sentiment_score":0.1037049565750819,"channel":0,"num_words":13,"start":451.035,"end":456.255},{"sentences":[{"text":"Yep.","start":456.84003,"end":457.34003,"sentiment":"neutral","sentiment_score":0.11130508035421371}],"sentiment":"neutral","sentiment_score":0.11130508035421371,"channel":1,"num_words":1,"start":456.84003,"end":457.34003},{"sentences":[{"text":"That's very, very normal in the high growth fund.","start":457.53,"end":459.94998,"sentiment":"neutral","sentiment_score":0.11705939057800505},{"text":"So my main questioning for today is whether we keep you at a high growth risk profile because you're still in that growth phase.","start":460.33,"end":468.75,"sentiment":"neutral","sentiment_score":-0.11194610968232155},{"text":"The way I would kind of explain it is I think we have you noted down to retire around age 65.","start":468.96997,"end":474.495,"sentiment":"neutral","sentiment_score":0.009260986709878558},{"text":"Does that sound about right?","start":474.495,"end":475.795,"sentiment":"neutral","sentiment_score":0.023769990354776383}],"sentiment":"neutral","sentiment_score":-0.022370193974446444,"channel":0,"num_words":59,"start":457.53,"end":475.795},{"sentences":[{"text":"Yeah.","start":475.715,"end":476.03497,"sentiment":"neutral","sentiment_score":0.004652377218008041},{"text":"About there.","start":476.03497,"end":476.75497,"sentiment":"neutral","sentiment_score":-0.06452682241797447},{"text":"Spicy.","start":476.75497,"end":477.25497,"sentiment":"neutral","sentiment_score":-0.1680269092321396}],"sentiment":"neutral","sentiment_score":-0.07310704421252012,"channel":1,"num_words":4,"start":475.715,"end":477.25497},{"sentences":[{"text":"Yep.","start":478.255,"end":478.755,"sentiment":"neutral","sentiment_score":-0.03602205961942673},{"text":"So when I talk about growth versus protecting your super, first point is you don't wanna be high risk at the age of 64.","start":478.975,"end":486.675,"sentiment":"neutral","sentiment_score":-0.16572626944010457},{"text":"Stock market crashes and you lose half your super a year before you access it to live on it.","start":486.86,"end":491.02,"sentiment":"negative","sentiment_score":-0.4778464609070828},{"text":"Do you know what I mean?","start":491.02,"end":492.08,"sentiment":"neutral","sentiment_score":-0.16051044315099716}],"sentiment":"neutral","sentiment_score":-0.28111195884644985,"channel":0,"num_words":50,"start":478.255,"end":492.08},{"sentences":[{"text":"Yeah.","start":491.65,"end":492.05,"sentiment":"neutral","sentiment_score":-0.09559019654989244},{"text":"Yeah.","start":492.05,"end":492.55,"sentiment":"neutral","sentiment_score":-0.08183155953884125}],"sentiment":"neutral","sentiment_score":-0.08871087804436684,"channel":1,"num_words":2,"start":491.65,"end":492.55},{"sentences":[{"text":"So when most of the cycles play out, whether it's COVID, the GFC, or the current situation, it usually revolves over a seven year period.","start":493.5,"end":503.725,"sentiment":"neutral","sentiment_score":-0.11841713309288025},{"text":"So the stock market grows for five years, then it crashes, and it grows, and it crashes.","start":504.105,"end":508.685,"sentiment":"neutral","sentiment_score":-0.2823507557897007},{"text":"You essentially have two market cycles left before you retire.","start":509.385,"end":513.645,"sentiment":"neutral","sentiment_score":-0.2043636493384838}],"sentiment":"neutral","sentiment_score":-0.18853899363714915,"channel":0,"num_words":52,"start":493.5,"end":513.645},{"sentences":[{"text":"Yep.","start":514.42,"end":514.92,"sentiment":"neutral","sentiment_score":0.13153278827667236}],"sentiment":"neutral","sentiment_score":0.13153278827667236,"channel":1,"num_words":1,"start":514.42,"end":514.92},{"sentences":[{"text":"So the main plan that we have for you is to keep the high level of contributions going, keep the high growth returns going for this next cycle.","start":515.56,"end":525.02,"sentiment":"positive","sentiment_score":0.3918182631688459},{"text":"And then","start":525.32,"end":525.88,"sentiment":"neutral","sentiment_score":0.19996294379234314}],"sentiment":"positive","sentiment_score":0.3790279085437457,"channel":0,"num_words":30,"start":515.56,"end":525.88},{"sentences":[{"text":"Yep.","start":525.58496,"end":526.08496,"sentiment":"neutral","sentiment_score":0.17391812801361084}],"sentiment":"neutral","sentiment_score":0.17391812801361084,"channel":1,"num_words":1,"start":525.58496,"end":526.08496},{"sentences":[{"text":"after that, we have to gradually reduce your risk level in those last seven years.","start":525.88,"end":531.185,"sentiment":"neutral","sentiment_score":0.03774695893128713},{"text":"Because","start":531.325,"end":531.825,"sentiment":"neutral","sentiment_score":0.10052460432052612}],"sentiment":"neutral","sentiment_score":0.04167056176811457,"channel":0,"num_words":16,"start":525.88,"end":531.825},{"sentences":[{"text":"Okay.","start":531.745,"end":532.11,"sentiment":"neutral","sentiment_score":0.1171492487192154}],"sentiment":"neutral","sentiment_score":0.1171492487192154,"channel":1,"num_words":1,"start":531.745,"end":532.11},{"sentences":[{"text":"if you're sitting at 90% shares property in gold now, over those last seven years, we will gradually taper you down eighty, seventy, sixty, fifty, 40%, and then transition you into a pension.","start":532.125,"end":544.945,"sentiment":"neutral","sentiment_score":0.0441849258812991}],"sentiment":"neutral","sentiment_score":0.0441849258812991,"channel":0,"num_words":33,"start":532.125,"end":544.945},{"sentences":[{"text":"Yeah.","start":546.11,"end":546.61,"sentiment":"neutral","sentiment_score":0.1094815582036972},{"text":"Okay.","start":547.125,"end":547.625,"sentiment":"neutral","sentiment_score":0.16265740990638733}],"sentiment":"neutral","sentiment_score":0.13606948405504227,"channel":1,"num_words":2,"start":546.11,"end":547.625},{"sentences":[{"text":"So if you're comfortable with that plan, we basically use the current situation as a bit of a buying opportunity.","start":547.57996,"end":554.88,"sentiment":"neutral","sentiment_score":0.2756670467555523},{"text":"Your contributions come in.","start":555.01996,"end":556.72,"sentiment":"neutral","sentiment_score":0.24483079090714455},{"text":"If the market dips, we buy some shares, some properties, some gold at a cheaper price.","start":556.77997,"end":561.365,"sentiment":"neutral","sentiment_score":0.18570739915594459},{"text":"So when it goes back up, you get that high 20% return.","start":561.365,"end":564.90497,"sentiment":"positive","sentiment_score":0.3454108275473118},{"text":"Does that make sense?","start":565.045,"end":566.185,"sentiment":"neutral","sentiment_score":0.19387148693203926}],"sentiment":"neutral","sentiment_score":0.2568642564916185,"channel":0,"num_words":56,"start":547.57996,"end":566.185},{"sentences":[{"text":"Yeah.","start":566.39,"end":566.89,"sentiment":"neutral","sentiment_score":0.028235310688614845},{"text":"I'll look I'll leave it look.","start":567.51,"end":569.20996,"sentiment":"neutral","sentiment_score":-0.07002067938446999},{"text":"I'll leave it up to you guys because I don't understand any of this.","start":569.35,"end":572.79,"sentiment":"neutral","sentiment_score":-0.2558916360139847},{"text":"So I'll just whatever you reckon, we'll do.","start":572.79,"end":575.67,"sentiment":"neutral","sentiment_score":-0.08033775258809328},{"text":"So you know what","start":575.67,"end":576.70996,"sentiment":"neutral","sentiment_score":-0.05866207927465439}],"sentiment":"neutral","sentiment_score":-0.1470218790187077,"channel":1,"num_words":33,"start":566.39,"end":576.70996},{"sentences":[{"text":"K.","start":576.66003,"end":577.16003,"sentiment":"neutral","sentiment_score":-0.0477074533700943}],"sentiment":"neutral","sentiment_score":-0.0477074533700943,"channel":0,"num_words":1,"start":576.66003,"end":577.16003},{"sentences":[{"text":"I mean?","start":576.70996,"end":577.29,"sentiment":"neutral","sentiment_score":-0.047609882429242134}],"sentiment":"neutral","sentiment_score":-0.047609882429242134,"channel":1,"num_words":2,"start":576.70996,"end":577.29},{"sentences":[{"text":"There is one thing that Carl spoke to you about, which was your Australian shares 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that.","start":588.645,"end":590.165,"sentiment":"neutral","sentiment_score":-0.11819511651992798},{"text":"Yeah.","start":590.165,"end":590.665,"sentiment":"neutral","sentiment_score":-0.0584394633769989}],"sentiment":"neutral","sentiment_score":-0.10338451340794563,"channel":1,"num_words":12,"start":587.925,"end":590.665},{"sentences":[{"text":"Yeah.","start":590.925,"end":591.08496,"sentiment":"neutral","sentiment_score":-0.07143303751945496},{"text":"So at the time, Bennelong was the only one that was kind of underperforming, and there was a bit of a holding point to say, hey.","start":591.08496,"end":597.32495,"sentiment":"neutral","sentiment_score":-0.2356942453636573},{"text":"Let's see if it kind of bounces back.","start":597.32495,"end":599.345,"sentiment":"neutral","sentiment_score":-0.14712202362716198},{"text":"The last few months, it hasn't really bounced back the way it should like the other seven options that you have because you have eight.","start":599.57,"end":605.67,"sentiment":"neutral","sentiment_score":-0.27336024343967436},{"text":"Seven of them have done really well.","start":605.81,"end":607.81,"sentiment":"neutral","sentiment_score":-0.05123498184340341}],"sentiment":"neutral","sentiment_score":-0.2174494114162317,"channel":0,"num_words":67,"start":590.925,"end":607.81},{"sentences":[{"text":"One of them has done, I guess, pretty poorly, to be honest.","start":607.81,"end":611.27,"sentiment":"negative","sentiment_score":-0.5616253142555555},{"text":"That's","start":611.665,"end":611.905,"sentiment":"neutral","sentiment_score":-0.18480730056762695}],"sentiment":"negative","sentiment_score":-0.5326393132026379,"channel":0,"num_words":13,"start":607.81,"end":611.905},{"sentences":[{"text":"Yeah.","start":611.73505,"end":612.23505,"sentiment":"neutral","sentiment_score":-0.1085246205329895}],"sentiment":"neutral","sentiment_score":-0.1085246205329895,"channel":1,"num_words":1,"start":611.73505,"end":612.23505},{"sentences":[{"text":"probably the one where if you're comfortable to do this seven years of growth, seven years of protection, I would keep you in high growth, keep your salary sacrifice going, but 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option.","start":622.225,"end":627.70996,"sentiment":"neutral","sentiment_score":-0.2026351507414471}],"sentiment":"neutral","sentiment_score":-0.2026351507414471,"channel":0,"num_words":11,"start":622.225,"end":627.70996},{"sentences":[{"text":"Okay.","start":628.72,"end":629.22,"sentiment":"neutral","sentiment_score":0.042531371116638184}],"sentiment":"neutral","sentiment_score":0.042531371116638184,"channel":1,"num_words":1,"start":628.72,"end":629.22},{"sentences":[{"text":"So that's probably the I guess, the word I would use 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eventually, you can sort of jump into it for retirement.","start":643.335,"end":647.355,"sentiment":"neutral","sentiment_score":0.165724183122317}],"sentiment":"neutral","sentiment_score":0.16891207187524382,"channel":0,"num_words":53,"start":633.05,"end":647.355},{"sentences":[{"text":"Okay.","start":648.075,"end":648.575,"sentiment":"neutral","sentiment_score":0.1536908894777298}],"sentiment":"neutral","sentiment_score":0.1536908894777298,"channel":1,"num_words":1,"start":648.075,"end":648.575},{"sentences":[{"text":"So if you're comfortable with that, you don't need to do the additional contributions, the lump sum.","start":649.415,"end":654.955,"sentiment":"neutral","sentiment_score":0.13136760671349132},{"text":"We don't really need to change the risk level if you're comfortable to kind of ride this out for a couple of years,","start":655.42,"end":660.32,"sentiment":"neutral","sentiment_score":0.018273382569136826}],"sentiment":"neutral","sentiment_score":0.06633842783048749,"channel":0,"num_words":40,"start":649.415,"end":660.32},{"sentences":[{"text":"Yes.","start":660.63,"end":661.13,"sentiment":"neutral","sentiment_score":0.05189909413456917}],"sentiment":"neutral","sentiment_score":0.05189909413456917,"channel":1,"num_words":1,"start":660.63,"end":661.13},{"sentences":[{"text":"but we do need to switch one of the investments around.","start":660.78,"end":663.52,"sentiment":"neutral","sentiment_score":-0.044876348904588005}],"sentiment":"neutral","sentiment_score":-0.044876348904588005,"channel":0,"num_words":11,"start":660.78,"end":663.52},{"sentences":[{"text":"Alright.","start":664.175,"end":664.575,"sentiment":"neutral","sentiment_score":0.09659773111343384},{"text":"Well, I'll leave that later up to you you 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fee.","start":721.085,"end":726.78503,"sentiment":"neutral","sentiment_score":-0.054290830972604454},{"text":"We","start":727.085,"end":727.325,"sentiment":"neutral","sentiment_score":0.011267825961112976}],"sentiment":"neutral","sentiment_score":-0.05043443938826814,"channel":0,"num_words":17,"start":721.085,"end":727.325},{"sentences":[{"text":"Yeah.","start":727.22504,"end":727.72504,"sentiment":"neutral","sentiment_score":0.10721426457166672}],"sentiment":"neutral","sentiment_score":0.10721426457166672,"channel":1,"num_words":1,"start":727.22504,"end":727.72504},{"sentences":[{"text":"do have an alternative, which is, like, slightly cheaper but much better performance but still active, or we can switch it to a lower fee option.","start":727.325,"end":736.145,"sentiment":"neutral","sentiment_score":0.14756248103311428},{"text":"So I've got a really good option in either pocket.","start":736.61,"end":739.26996,"sentiment":"positive","sentiment_score":0.6019876360893249},{"text":"I just wanna know, do you have, like, a strong leaning where you go, no.","start":739.32996,"end":741.81,"sentiment":"neutral","sentiment_score":0.12444951981306077},{"text":"No.","start":741.81,"end":741.97,"sentiment":"neutral","sentiment_score":-0.10498128831386566},{"text":"No.","start":741.97,"end":742.13,"sentiment":"neutral","sentiment_score":-0.0994298979640007}],"sentiment":"neutral","sentiment_score":0.21733646186174088,"channel":0,"num_words":53,"start":727.325,"end":742.13},{"sentences":[{"text":"Please lower my fees, or I'm comfortable to maintain the current style.","start":742.13,"end":747.08997,"sentiment":"neutral","sentiment_score":0.01894178582976262},{"text":"Just improve 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The adviser suggests keeping the money in the bank until retirement is complete and recommends keeping the money as an emergency fund until retirement is complete. The speaker explains that high growth returns are a swing in dollar terms for the account balance and that they need to gradually reduce their risk level. The agent suggests switching to a lower fee investment option and provides options for the customer to choose from. They schedule a meeting for April 29th and explain the process of investing and maintaining a will."},"intents":{"segments":[{"text":"Are you okay to confirm your date of birth address, please? Yeah.","start_word":93,"end_word":104,"intents":[{"intent":"Confirm account details","confidence_score":0.00070096954}]},{"text":"I've crunched a few numbers today and just wanted to double check with you. Was the main two things just to talk about your contributions and the volatility of your super. Yeah.","start_word":151,"end_word":182,"intents":[{"intent":"Discuss new contributions","confidence_score":0.00086594216}]},{"text":"I've crunched a few numbers today and just wanted to double check with you. Was the main two things just to talk about your contributions and the volatility of your super. Yeah. Perfect.","start_word":151,"end_word":183,"intents":[{"intent":"Double check super contributions","confidence_score":0.0032791356}]},{"text":"First thing I wanna do is quickly do is I've just been going through your contribution history for the last twelve months. I've gotten your last twelve months of contributions. You're still doing that $100 a week salary sacrifice. And Yeah.","start_word":184,"end_word":224,"intents":[{"intent":"Check contribution history","confidence_score":0.078391016}]},{"text":"Now going backwards, when we're looking at carry forward contributions, have you ever logged into your myGov account to work out how much of an unused cap you have? I did about hold on.","start_word":276,"end_word":309,"intents":[{"intent":"Check account usage","confidence_score":0.042614024}]},{"text":"Do you know if you may have provided that to us already? No.","start_word":359,"end_word":371,"intents":[{"intent":"Schedule a call","confidence_score":0.000021437665}]},{"text":"We need to, like, renovate our bathroom here. That's, like, 30,000 and we've gotta get another car as well.","start_word":740,"end_word":758,"intents":[{"intent":"Renovate bathroom","confidence_score":0.15220647}]},{"text":"So you're already earning a decent amount. You've got a lot of contributions. You're salary sacrificing. Your high growth portfolio has a really good, like, long term return. Yes. So Yes.","start_word":829,"end_word":859,"intents":[{"intent":"Earn rewards","confidence_score":0.010726988}]},{"text":"to get you into that retirement goal, you're going to be in this period. Like, I guess, the way I'd give you perspective on it is you're sitting at 437,000 today in the super.","start_word":860,"end_word":893,"intents":[{"intent":"Build retirement goal","confidence_score":0.043629725}]},{"text":"to get you into that retirement goal, you're going to be in this period. Like, I guess, the way I'd give you perspective on it is you're sitting at 437,000 today in the super. Yep.","start_word":860,"end_word":894,"intents":[{"intent":"Provide perspective","confidence_score":0.0089762295}]},{"text":"37 to a million dollars over the next seven to fourteen years, it's pretty realistic. And this is the part where you make the last bulk returns to get you to your target. It doesn't mean that you have to put that extra 20 in or you're not gonna be able to retire comfortably.","start_word":989,"end_word":1042,"intents":[{"intent":"Make returns","confidence_score":0.09462149}]},{"text":"So the way I would say it is, basically, if there's no other priority for the usage of the funds and you just wanna get the maximum benefit, then great. Get the tax deduction, get a bit of growth out of it in your super. But if you got other things to use it for, keep it as an emergency fund, the car, the Yep. renovations. It's not necessary. Right.","start_word":1050,"end_word":1119,"intents":[{"intent":"Discuss funds usage and growth","confidence_score":0.00013753567}]},{"text":"Now when it comes to the volatility, I've gone through a pretty deep dive this morning and a couple days ago with Kyle as well. Have you logged into your hub account the last couple of months just sort of watching it going up and down? No.","start_word":1140,"end_word":1186,"intents":[{"intent":"Discuss volatility and volatility","confidence_score":0.120510615}]},{"text":"That's very, very normal in the high growth fund. So my main questioning for today is whether we keep you at a high growth risk profile because you're still in that growth phase.","start_word":1316,"end_word":1348,"intents":[{"intent":"Discuss high growth risk profile","confidence_score":0.22506076}]},{"text":"The way I would kind of explain it is I think we have you noted down to retire around age 65. Does that sound about right?","start_word":1349,"end_word":1374,"intents":[{"intent":"Discuss retirement age","confidence_score":0.42992157}]},{"text":"So when I talk about growth versus protecting your super, first point is you don't wanna be high risk at the age of 64. Stock market crashes and you lose half your super a year before you access it to live on it. Do you know what I mean? Yeah.","start_word":1381,"end_word":1430,"intents":[{"intent":"Discuss growth and protection","confidence_score":0.008620787}]},{"text":"So the main plan that we have for you is to keep the high level of contributions going, keep the high growth returns going for this next cycle. And then Yep.","start_word":1484,"end_word":1514,"intents":[{"intent":"Keep contributions","confidence_score":0.023946585}]},{"text":"So the main plan that we have for you is to keep the high level of contributions going, keep the high growth returns going for this next cycle. And then Yep. after that, we have to gradually reduce your risk level in those last seven years. Because Okay.","start_word":1484,"end_word":1531,"intents":[{"intent":"Reduce risk levels","confidence_score":0.08229766}]},{"text":"So if you're comfortable with that plan, we basically use the current situation as a bit of a buying opportunity. Your contributions come in. If the market dips, we buy some shares, some properties, some gold at a cheaper price. So when it goes back up, you get that high 20% return. Does that make sense? Yeah.","start_word":1567,"end_word":1623,"intents":[{"intent":"Use current situation as buying opportunity","confidence_score":0.7690281}]},{"text":"There is one thing that Carl spoke to you about, which was your Australian shares option. I don't know if you remember him mentioning Bennelong last time you spoke.","start_word":1659,"end_word":1687,"intents":[{"intent":"Use australian shares option","confidence_score":0.21858625}]},{"text":"you can choose between two styles of investment. You've got the lowest fees, which follows the market up and down. We call that passive. Or you can pay a slightly higher investment fee for a fund manager to try and pick and choose stocks and try and get you a better outcome than the general market. Do you have a strong leaning between going to the lowest fees or paying a bit more to get a higher return?","start_word":2027,"end_word":2104,"intents":[{"intent":"Review investment choices","confidence_score":0.0001515664}]},{"text":"I just wanna know, do you have, like, a strong leaning where you go, no. No. No. Please lower my fees, or I'm comfortable to maintain the current style. Just improve it. Yeah.","start_word":2172,"end_word":2204,"intents":[{"intent":"Seek clarity","confidence_score":5.8885894e-7}]},{"text":"If you're at all curious, I can kind of share with you those options. But what I would like to do essentially is once I've done that comparison, we'll put it in an updated statement of advice so you've got it in writing, and then my team will pretty much book you in to run through that document, make sure you're comfortable with what we're gonna change. And once Yeah.","start_word":2216,"end_word":2285,"intents":[{"intent":"Provide comparison","confidence_score":0.009191799},{"intent":"Provide guidance on transition","confidence_score":0.000117756885},{"intent":"Provide instructions","confidence_score":0.00045508414}]},{"text":"Is that okay? Okay.","start_word":2297,"end_word":2300,"intents":[{"intent":"Confirm understanding","confidence_score":0.02042081}]},{"text":"Do you have any availability in early May to go through this with me? Yeah. Early May.","start_word":2379,"end_word":2395,"intents":[{"intent":"Confirm availability","confidence_score":0.24695717}]},{"text":"Do you have any availability in early May to go through this with me? Yeah. Early May. And what I'm sort of thinking is late April or early May kind of better from an availability standpoint? Do you have any kind of main weeks that are really difficult to reach you or weeks where it would be much easier to reach you?","start_word":2379,"end_word":2440,"intents":[{"intent":"Clarify key dates","confidence_score":0.0023606638}]},{"text":"Do you have any kind of main weeks that are really difficult to reach you or weeks where it would be much easier to reach you?","start_word":2415,"end_word":2440,"intents":[{"intent":"Find out main weeks","confidence_score":0.00087084866}]},{"text":"I'm when I'm off, you can ring me instead Yep. of at work. So I'll just have a quick look. Sorry, mate. Just bear with me for a sec. No worries at all. And pretty much just need maybe half an hour or so, give or take ten minutes. Yeah.","start_word":2476,"end_word":2525,"intents":[{"intent":"Schedule call","confidence_score":0.011275178}]},{"text":"you're ever curious about it, there's investment accounts with your super provider where you can have, like, an investment account on the same login with your super and invest in all the kinds same kinds of options, whether it's low Yes.","start_word":3139,"end_word":3179,"intents":[{"intent":"Discuss investment accounts","confidence_score":0.17989062},{"intent":"Discuss investments","confidence_score":0.096168034}]},{"text":"I wish I knew more about all of that. I just don't understand how this stuff works. So, you know, if you want me to fix your car mode, I can fix it. But if you want me to do all this stuff, I don't know. You know what I mean?","start_word":3239,"end_word":3289,"intents":[{"intent":"Share knowledge","confidence_score":0.00041233946}]},{"text":"And it's one of the things that when we go through investing, we split it with the super in a different risk profile. So, obviously, we're not gonna invest you the same in your own name as you would for retirement. That's Yeah.","start_word":3292,"end_word":3334,"intents":[{"intent":"Share funds","confidence_score":0.0005535341}]}]},"sentiments":{"segments":[{"text":"Hello? Good morning, John. It's Tommy here, senior adviser from Oakview Financial. How are you doing today? Yeah.","start_word":0,"end_word":17,"sentiment":"neutral","sentiment_score":0.2513098120689392},{"text":"Good. Thanks.","start_word":18,"end_word":19,"sentiment":"positive","sentiment_score":0.5214524269104004},{"text":"Mate, I'm just giving you a call to go through the couple of queries you had for the super and the contributions. Do you still have a bit of time this morning? Yeah. I'll do it.","start_word":20,"end_word":55,"sentiment":"neutral","sentiment_score":0.1053406298160553},{"text":"Perfect.","start_word":56,"end_word":56,"sentiment":"positive","sentiment_score":0.4688605070114136},{"text":"So just before I jump into it, mate, are you okay for the call to be recorded? Yeah. That's fine.","start_word":57,"end_word":76,"sentiment":"neutral","sentiment_score":0.11422765254974364},{"text":"Awesome.","start_word":77,"end_word":77,"sentiment":"positive","sentiment_score":0.47386956214904785},{"text":"And just for the usual security process, so I'm registered with ASIC as adviser 1273105. Are you okay to confirm your date of birth address, please? Yeah. 9th Of The 2nd 722 Lawson Court, Taylor's Lakes.","start_word":78,"end_word":113,"sentiment":"neutral","sentiment_score":0.10820601880550385},{"text":"Thank you so much for that, John.","start_word":114,"end_word":120,"sentiment":"positive","sentiment_score":0.6121494770050049},{"text":"Mate, I've had a bit of a look at your file this morning. I was talking to Kyle, your adviser, who is going through some updated advice with you. Yeah. I've crunched a few numbers today and just wanted to double check with you. Was the main two things just to talk about your contributions and the volatility of your super. Yeah. Perfect. First thing I wanna do is quickly do is I've just been going through your contribution history for the last twelve months. I've gotten your last twelve months of contributions. You're still doing that $100 a week salary sacrifice. And Yeah. That's correct. your contributions from work, they work out to be around about 22 and a half thousand for the last twelve months and then another $5 Yes. on top for the salary sacrifice. Puts you at about just over 27 out of the 30 for this financial year. Yes. Yep. Now going backwards, when we're looking at carry forward contributions, have you ever logged into your myGov account to work out how much of an unused cap you have? I did about hold on. We've done it about six months ago. Perfect. Perfect. So you've got the six month details. That would have been still this financial year, which is perfect. Now we have actually switched systems in January. So I've been trying to go through old archives and new file notes. Do you know if you may have provided that to us already?","start_word":121,"end_word":369,"sentiment":"neutral","sentiment_score":0.07510113767740956},{"text":"No. I don't know. No. I don't think so.","start_word":370,"end_word":378,"sentiment":"negative","sentiment_score":-0.4635064899921417},{"text":"K. So when I go through your assets that Carl took down in the last conversation, it shows that you had a solid couple of $100,000 in savings. So what I wanted to double check with you is were you looking to do a bit of a lump sum contribution before the end of the financial year, or what were you kind of thinking? Well, well, I was the last time I spoke to him, I think it I think I could put another 27,000 into my super because it was, you know, lower. I don't know. Yeah. Alright. The contribution was lower. Yeah. The contribution was lower. So I could add another 27,000 into my super. That was back then just to top it up. Yeah. You know what I mean? Because I didn't because that was more you know, I didn't I don't know what you call it, but so I I spoke we spoke about that and we kind of I just he kind of said, you didn't say not not to worry about it, but like, I just got the impression not to worry about it. Like, it's better off me keeping the money into the bank. Yeah. Yeah. Yeah. And because you don't really have much in the way of debts at the moment, do you?","start_word":379,"end_word":599,"sentiment":"neutral","sentiment_score":0.12502697110176086},{"text":"No.","start_word":600,"end_word":600,"sentiment":"negative","sentiment_score":-0.33902889490127563},{"text":"I haven't.","start_word":601,"end_word":602,"sentiment":"neutral","sentiment_score":-0.302457332611084},{"text":"No. I haven't.","start_word":603,"end_word":605,"sentiment":"negative","sentiment_score":-0.3508649170398712},{"text":"No. Yeah. No. So it really depends, like, because of your, like, your taxable income, we we had you at about a 160,000, which kind of works out pretty close to what I'm seeing in contributions coming in. If you did put an extra little lump sum in, obviously, you'd get that tax deduction between the 37% and the 15% that goes into super. Yeah. So you would save 22<unk> on the dollar, and it'll boost up the super, but it'd be locked away until 60 plus. So Yeah. it's possible to do. It will give you a pretty big benefit, but it depends on your priorities for what you would like to use the cash for, if there's other things you would prefer to have it there for. Yep. Look. You know, look. We need to, like, renovate our bathroom here. That's, like, 30,000 and we've gotta get another car as well. So, you know, I'm not so yeah.","start_word":606,"end_word":765,"sentiment":"neutral","sentiment_score":0.09539572272915392},{"text":"When we spoke last time, I sort of, yeah, we got the impression that it's kinda not worth it sort of thing.","start_word":766,"end_word":787,"sentiment":"negative","sentiment_score":-0.5217205882072449},{"text":"Yep. I And don't to know. be What honest do you think? You tell me. I don't know. So yeah. look. If you've got all of the, like, the car purchase and the renovations to do, it's not make or break.","start_word":788,"end_word":828,"sentiment":"neutral","sentiment_score":-0.03476066514849663},{"text":"So you're already earning a decent amount. You've got a lot of contributions.","start_word":829,"end_word":841,"sentiment":"positive","sentiment_score":0.4042939841747284},{"text":"You're salary sacrificing.","start_word":842,"end_word":844,"sentiment":"neutral","sentiment_score":0.25171032547950745},{"text":"Your high growth portfolio has a really good, like, long term return.","start_word":845,"end_word":856,"sentiment":"positive","sentiment_score":0.42258065938949585},{"text":"Yes. So Yes.","start_word":857,"end_word":859,"sentiment":"neutral","sentiment_score":0.28888365626335144},{"text":"to get you into that retirement goal, you're going to be in this period.","start_word":860,"end_word":873,"sentiment":"positive","sentiment_score":0.34998926520347595},{"text":"Like, I guess, the way I'd give you perspective on it is you're sitting at 437,000 today in the super. Yep. Most of the time, people spend their first twenty years of working life building up their their base. Because when you're sitting there with 30,000 in your super and you get a 10% return, it's $3, which is nowhere near what you're putting in in contributions. Right? Yeah. But now that you're sitting at 437,000, if you get a 10 or 20% return from your high growth fund, we're talking 40 to $80,000 in growth in a single year on top of almost $30 in contributions and salary sacrifice. So Yeah.","start_word":874,"end_word":985,"sentiment":"neutral","sentiment_score":0.17870277166366577},{"text":"going from $4.37 to a million dollars over the next seven to fourteen years, it's pretty realistic. And this is the part where you make the last bulk returns to get you to your target.","start_word":986,"end_word":1020,"sentiment":"positive","sentiment_score":0.3665832281112671},{"text":"It doesn't mean that you have to put that extra 20 in or you're not gonna be able to retire comfortably. Do you know what I mean? Yeah. Okay. So the way I would say it is, basically, if there's no other priority for the usage of the funds and you just wanna get the maximum benefit, then great.","start_word":1021,"end_word":1079,"sentiment":"neutral","sentiment_score":0.1755693405866623},{"text":"Get the tax deduction, get a bit of growth out of it in your super.","start_word":1080,"end_word":1094,"sentiment":"positive","sentiment_score":0.5223038196563721},{"text":"But if you got other things to use it for, keep it as an emergency fund, the car, the Yep. renovations. It's not necessary. Right. K. Thoughts on that? Yeah. Alright. Yeah. Look. We'll just just leave it the way it is. Let's see. Yep. Now when it comes to the volatility, I've gone through a pretty deep dive this morning and a couple days ago with Kyle as well. Have you logged into your hub account the last couple of months just sort of watching it going up and down? No. I haven't logged in at all. No. Yeah. That's fine. That's what you've got us for. Basically, because you're in that high growth, like I just said before, those percentage based returns are a big swing in dollar terms for your account balance. So any Yep. five or 10% up or down, we're talking tens of thousands. Yep. What that basically means, I'll give you an example. So towards March, we had a bit of a peak in the markets. You were sitting at $4.42, then we had a nice big dip in the stock market with all of the news articles, and you went from $4.42 to $4.14. It was $30,000. And then Yep. it jumped straight away back up in under two weeks back to $4.37. Yep. That's very, very normal in the high growth fund. So my main questioning for today is whether we keep you at a high growth risk profile because you're still in that growth phase. The way I would kind of explain it is I think we have you noted down to retire around age 65. Does that sound about right? Yeah. About there. Spicy. Yep. So when I talk about growth versus protecting your super, first point is you don't wanna be high risk at the age of 64.","start_word":1095,"end_word":1403,"sentiment":"neutral","sentiment_score":0.03434425082455561},{"text":"Stock market crashes and you lose half your super a year before you access it to live on it.","start_word":1404,"end_word":1422,"sentiment":"negative","sentiment_score":-0.473266065120697},{"text":"Do you know what I mean? Yeah. Yeah. So when most of the cycles play out, whether it's COVID, the GFC, or the current situation, it usually revolves over a seven year period. So the stock market grows for five years, then it crashes, and it grows, and it crashes. You essentially have two market cycles left before you retire. Yep.","start_word":1423,"end_word":1483,"sentiment":"neutral","sentiment_score":-0.1637563556432724},{"text":"So the main plan that we have for you is to keep the high level of contributions going, keep the high growth returns going for this next cycle.","start_word":1484,"end_word":1511,"sentiment":"positive","sentiment_score":0.3916713297367096},{"text":"And then Yep. after that, we have to gradually reduce your risk level in those last seven years. Because Okay. if you're sitting at 90% shares property in gold now, over those last seven years, we will gradually taper you down eighty, seventy, sixty, fifty, 40%, and then transition you into a pension. Yeah. Okay. So if you're comfortable with that plan, we basically use the current situation as a bit of a buying opportunity. Your contributions come in. If the market dips, we buy some shares, some properties, some gold at a cheaper price.","start_word":1512,"end_word":1606,"sentiment":"neutral","sentiment_score":0.1326020061969757},{"text":"So when it goes back up, you get that high 20% return.","start_word":1607,"end_word":1618,"sentiment":"positive","sentiment_score":0.34453442692756653},{"text":"Does that make sense? Yeah. I'll look I'll leave it look. I'll leave it up to you guys because I don't understand any of this. So I'll just whatever you reckon, we'll do. So you know what K. I mean? There is one thing that Carl spoke to you about, which was your Australian shares option. I don't know if you remember him mentioning Bennelong last time you spoke. Yeah. He didn't know. I think he mentioned something like that. Yeah. Yeah. So at the time, Bennelong was the only one that was kind of underperforming, and there was a bit of a holding point to say, hey. Let's see if it kind of bounces back. The last few months, it hasn't really bounced back the way it should like the other seven options that you have because you have eight. Seven of them have done really well.","start_word":1619,"end_word":1766,"sentiment":"neutral","sentiment_score":-0.15034037224344304},{"text":"One of them has done, I guess, pretty poorly, to be honest.","start_word":1767,"end_word":1778,"sentiment":"negative","sentiment_score":-0.5681893825531006},{"text":"That's Yeah. probably the one where if you're comfortable to do this seven years of growth, seven years of protection, I would keep you in high growth, keep your salary sacrifice going, but switch Yep. out that underperforming investment to a like for like better option. Okay. So that's probably the I guess, the word I would use is Yeah. the optimization that I would like to do, which is, okay.","start_word":1779,"end_word":1849,"sentiment":"neutral","sentiment_score":-0.02718632109463215},{"text":"One apple is starting to go rotten.","start_word":1850,"end_word":1856,"sentiment":"negative","sentiment_score":-0.3930835723876953},{"text":"Let's knock that one out and put a nice fresh green apple in, and the rest of the fruit basket is doing great.","start_word":1857,"end_word":1879,"sentiment":"positive","sentiment_score":0.3444327712059021},{"text":"And then, eventually, you can sort of jump into it for retirement. Okay. So if you're comfortable with that, you don't need to do the additional contributions, the lump sum. We don't really need to change the risk level if you're comfortable to kind of ride this out for a couple of years, Yes. but we do need to switch one of the investments around. Alright. Well, I'll leave that later up to you you guys. So use whatever you reckon. Yeah. Use do.","start_word":1880,"end_word":1963,"sentiment":"neutral","sentiment_score":0.08723471313714981},{"text":"So Easy done.","start_word":1964,"end_word":1966,"sentiment":"positive","sentiment_score":0.3393893837928772},{"text":"So after yeah. today's conversation, I'm going to get my team to research the two or three alternatives that we have in this space for Australian shares. One question I do have for you, and, obviously, I'm gonna make a recommendation with Kyle, but I want you to kind of give me your gut feeling on this question. So Yes. you can choose between two styles of investment. You've got the lowest fees, which follows the market up and down. We call that passive. Or you can pay a slightly higher investment fee for a fund manager to try and pick and choose stocks and try and get you a better outcome than the general market. Do you have a strong leaning between going to the lowest fees or paying a bit more to get a higher return? Well, how much more do I pay for Well, the hiring time? What's your current option I'm looking to switch out is currently sitting at about 1% investment fee. We Yeah. do have an alternative, which is, like, slightly cheaper but much better performance but still active, or we can switch it to a lower fee option.","start_word":1967,"end_word":2161,"sentiment":"neutral","sentiment_score":0.11073732101000272},{"text":"So I've got a really good option in either pocket.","start_word":2162,"end_word":2171,"sentiment":"positive","sentiment_score":0.5922035574913025},{"text":"I just wanna know, do you have, like, a strong leaning where you go, no. No. No. Please lower my fees, or I'm comfortable to maintain the current style. Just improve it. Yeah. Just improve it if you can. Yeah. Yep.","start_word":2172,"end_word":2212,"sentiment":"neutral","sentiment_score":0.12606437504291534},{"text":"Easy done.","start_word":2213,"end_word":2214,"sentiment":"positive","sentiment_score":0.4310445189476013},{"text":"Yeah. If you're at all curious, I can kind of share with you those options. But what I would like to do essentially is once I've done that comparison, we'll put it in an updated statement of advice so you've got it in writing, and then my team will pretty much book you in to run through that document, make sure you're comfortable with what we're gonna change. And once Yeah. you sign off on that, we can switch the investments around. Is that okay? Okay. Yeah. Perfect. Now because Kyle is currently away today, and I'll be going on paternity leave for a baby daughter in a month's time, I Yeah. pretty The conversion much license need thank you. It's number three for me. So I've got a six year old, a three year old, and plate? a daughter on the way, and I'm just trying to make sure I close out anything we need to do for the clients before I go. Do you have any availability in early May to go through this with me? Yeah. Early May. And what I'm sort of thinking is late April or early May kind of better from an availability standpoint? Do you have any kind of main weeks that are really difficult to reach you or weeks where it would be much easier to reach you? What I'll do is just gonna have to go through my phone and look at my oh, hold on. I'll give you roster here. Just let me have with me roster. It's better if Yeah. I'm when I'm off, you can ring me instead Yep. of at work. So I'll just have a quick look. Sorry, mate. Just bear with me for a sec. No worries at all. And pretty much just need maybe half an hour or so, give or take ten minutes. Yeah. I don't apologize. It's totally fine. Alright. So what's today, the fourteenth? So what did you want? Early May, late April? What's what's good for you? Yeah.","start_word":2215,"end_word":2552,"sentiment":"neutral","sentiment_score":0.08202036783187347},{"text":"So if I'm looking at my availability, anything from the twenty seventh onwards of April is pretty good. I'm pretty well in an early start on a Monday, Friday, or even late nights on a Tuesday, Wednesday, or Thursday, if that helps at all.","start_word":2553,"end_word":2596,"sentiment":"positive","sentiment_score":0.4792163074016571},{"text":"From the twenty seventh onwards from April. Is that what you're saying? Yeah? Yes. Well, we can do what about the April 29? '20 Is that right?","start_word":2597,"end_word":2623,"sentiment":"neutral","sentiment_score":0.10522492974996568},{"text":"ninth is perfect.","start_word":2624,"end_word":2626,"sentiment":"positive","sentiment_score":0.43212369084358215},{"text":"And are you thinking would you be able to do any time in the afternoon on the twenty ninth? Yes. Yep. Perfect. Now you guys are off on daylight savings has clicked off for you in Victoria, hasn't it? Yes. That's correct. So I'm assuming it's close to 11:00 your time. Yes. It is. Yeah. It's quarter to oh, tenth yeah. Quarter to eleven. Yep. Perfect. Would you be able to do possibly, like, one or 2PM on that day? Yep. That should be fine. I'm off anywhere. I'll be home. So Yep. yeah.","start_word":2627,"end_word":2720,"sentiment":"neutral","sentiment_score":0.11489266902208328},{"text":"Easy done.","start_word":2721,"end_word":2722,"sentiment":"positive","sentiment_score":0.4234275221824646},{"text":"So I'll put you in for 01:00 on the twenty ninth, and we'll send you a bit of a a text reminder beforehand. In case anything pops up, we can adjust it.","start_word":2723,"end_word":2754,"sentiment":"neutral","sentiment_score":0.2665301263332367},{"text":"Awesome.","start_word":2755,"end_word":2755,"sentiment":"positive","sentiment_score":0.5471730828285217},{"text":"John, do you have any other questions for me while I do have you? No. Not really. No. No. I haven't. No. That is perfectly fine.","start_word":2756,"end_word":2781,"sentiment":"neutral","sentiment_score":0.06460943073034286},{"text":"Yeah. I'm just All going good.","start_word":2782,"end_word":2787,"sentiment":"positive","sentiment_score":0.510631263256073},{"text":"through Kyle's notes for what he was working on for you. Again, the main thing is just gonna be the super portfolio. He did make some notes that you're not looking to receive, like, insurance advice at the moment. You're comfortable, obviously, with your asset position not to try and obtain insurances. Does that sound about right? Yeah. Yep.","start_word":2788,"end_word":2846,"sentiment":"neutral","sentiment_score":0.015206392854452131},{"text":"Perfect.","start_word":2847,"end_word":2847,"sentiment":"positive","sentiment_score":0.4077224731445313},{"text":"Estate planning wise, I think you guys don't still have a will in place. Is that correct? No. Not yet. We're working on it. Yep. Look. If it does help and it's just a bit of a friendly reminder, you don't have to always see a lawyer. If you do have a pretty simple structure, you can Yes. go to a public trustee of your state, kinda like the courthouse. And, also, it's not the best, but the post office has government approved will kits and power of Yeah. attorney kits for, like, $25. So if that helps at all, even something simple enough just so it's more direct for your partner. The big thing for me is, obviously, if you pass away, most of your assets or all of them will go to your partner. The power of attorney is pretty important too. So if you're Yeah. in hospital and you can't act on your own behalf, just making it easy for your family to, again, access any bank accounts, talk with the doctors without having to go to the courts for probate kinda just simplifies things a little bit. Yeah. We we are working on it. So Yep.","start_word":2848,"end_word":3047,"sentiment":"neutral","sentiment_score":0.0950542464852333},{"text":"Easy done.","start_word":3048,"end_word":3049,"sentiment":"positive","sentiment_score":0.4057385921478271},{"text":"The only other thing that was mentioned was possibly even looking at investing at some point. Were you still thinking about doing some personal investments over the next five to ten years? What do you mean? Like, shares and stuff? Or Yeah. Like I'm shares and not buying managed funds, there was a mention that. of it. Yeah. Look. Not for the moment. Like I said, I've gotta buy another car and renovate some bathrooms and stuff. Yeah. We'll see I'll see how we go.","start_word":3050,"end_word":3134,"sentiment":"neutral","sentiment_score":-0.028233783319592476},{"text":"Easy done.","start_word":3135,"end_word":3136,"sentiment":"positive","sentiment_score":0.5296235680580139},{"text":"If Yeah. you're ever curious about it, there's investment accounts with your super provider where you can have, like, an investment account on the same login with your super and invest in all the kinds same kinds of options, whether it's low Yes. risk up to high risk. I'll put a pin in it for now. And if you wanna chat about it towards the end of the year, we can revisit it once you've gone through your cash priorities. But I just Okay. wanted to let you know the offer's always there if you wanna investigate that with us. Yeah. Yeah. I wish I knew more about all of that. I just don't understand how this stuff works. So, you know, if you want me to fix your car mode, I can fix it. But if you want me to do all this stuff, I don't know. You know what I mean? Easy done. And it's one of the things that when we go through investing, we split it with the super in a different risk profile. So, obviously, we're not gonna invest you the same in your own name as you would for retirement. That's Yeah. a different space, but it all has to be for a reason. Right? It could be just to grow your funds and your wealth. It could be to have more funds available for an earlier retirement before 60, 65 if you wanna, you know, live off Yeah. some of your assets before you hit your preservation age. If there's an important goal or priority there, we can kind of tailor it to that. If there's no real reason to, we don't have to get you into investing, but we do do some toe dipping for people who are interested small amounts and get them started. Cool. Yeah. Okay.","start_word":3137,"end_word":3442,"sentiment":"neutral","sentiment_score":0.038505081087350845},{"text":"Alright. I think that's pretty much it. You're pretty well on top of all of your cash flow and budgeting. You've got a great amount of savings there. Your house is paid off. You've got your holiday house and the three cars. So I think you're in a pretty good position.","start_word":3443,"end_word":3493,"sentiment":"positive","sentiment_score":0.6487903594970703},{"text":"We just need to get you there for your super, and you should Yeah.","start_word":3494,"end_word":3507,"sentiment":"neutral","sentiment_score":0.2256409078836441},{"text":"be good to go, John.","start_word":3508,"end_word":3512,"sentiment":"positive","sentiment_score":0.4635908007621765},{"text":"No worries.","start_word":3513,"end_word":3514,"sentiment":"neutral","sentiment_score":0.24130859971046448},{"text":"Thank you very much, man.","start_word":3515,"end_word":3519,"sentiment":"positive","sentiment_score":0.6398173570632935},{"text":"No Awesome.","start_word":3520,"end_word":3521,"sentiment":"neutral","sentiment_score":0.31952154636383057},{"text":"worries. You have a fantastic day, and I shall talk to you on the twenty ninth.","start_word":3522,"end_word":3537,"sentiment":"positive","sentiment_score":0.5650486350059509},{"text":"No worries.","start_word":3538,"end_word":3539,"sentiment":"neutral","sentiment_score":0.264030396938324},{"text":"Thank you very much, man. Thank you. Bye.","start_word":3540,"end_word":3547,"sentiment":"positive","sentiment_score":0.6036030650138855},{"text":"Okay. See you, man. Bye bye.","start_word":3548,"end_word":3553,"sentiment":"neutral","sentiment_score":0.23859903216362}],"average":{"sentiment":"neutral","sentiment_score":0.09368727397938416}}}}