{"metadata":{"transaction_key":"deprecated","request_id":"01a0ae26-4bae-7301-9396-e723db8158ed","sha256":"e80603bb65cbe56c4ced620effe8cb664e8788d7c3292ee94d6bb28413c2d37d","created":"2026-09-17T06:55:44.008Z","duration":1327.6799,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":3802,"output_tokens":126},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4252,"output_tokens":4261},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4252,"output_tokens":330}},"results":{"channels":[{"alternatives":[{"transcript":"Hi. Good afternoon, Craig. Larissa from Oaktree Financial. How are you going? Yeah. Not bad. Thank you. It's a lovely Thursday afternoon, so we can't complain too much. How's the day been? It never never eases, does it? That's okay. Well, the reason for my call today was to go through your annual review and ultimately be able to establish whether there was any, like, a new advice or where things were sitting. Now just before I do jump into things, I do need to let you know that our calls are recorded. And if I could just get you confirmed security for me, it's just your full name, date of birth, and address. Perfect. And just your just your date of birth as well? Perfect. Thank you for that. Okay. So, basically speaking, the reason, as I said, I wanted to call and go through everything was just to be able to, I guess, establish where things were sitting for you, whether there was any updates to your to your position, and and whether there was sort of, I guess, any appropriate advice that we could pick up given your your current circumstances, make sure that everything that we have on file at the moment is still appropriate and go from there. So I guess how's how's the last sort of twelve months been going for you? Sorry. Your wife's in a Okay. And that's, I guess, a lot of part, like, part and parcel of what I wanna go through with you because I can like, I have identified that there are probably a few changes that we can make to some of the investments that you hold underlying to like, within your account to be able to diversify out a little bit more, establish a little bit more in terms of investment growth as well. But that's obviously, I guess, depending on where you wanted to head, what you wanted to do, and and how we, like, approach that. But I can definitely yes. No. That's okay. That's that's sort of where I come in. But I guess, first and foremost, before we jump into that side of things, which I'm happy to address, and I'm also happy to like, I can have a look at, like, alternative funds or index funds or, you know, if you know what superannuation fund you're watching, I can have a look at the investment offerings under that account to see do you know which of the AMP products she's in? I thought it might be a bit of a tall order. No. That's okay. Look. AMP don't really have too too many products anymore. They've they've reduced the number of products that they hold. So I I'll be able to sort of have a look across the board and and work from there anyway. And this is with your your wife? Can I ask, is she doing anything different to yourself that you know of? Yeah. Yeah. That's okay. Like, there there is an an asset in your fund that I do wanna look at getting, like, offload offloading. The asset itself was doing really, really well, and it has performed previously while you've held it. But it just hasn't sort of bounced back with the market on the back of some of those downturns that we've experienced this year. And I'm wanting to kind of look at offloading that. It's an Australian equities asset, so it's Australian stocks. And I'm wanting to offload that and rediversify into something still Australian. So it's still national stocks, but just something that's gonna give us a little bit more in terms of returns moving forward to get that growth. Cool. Outside of that, there's one of the other assets that I do really wanna look at is what's called a banking hybrid asset. So banking hybrids are available in all index funds. So your your wife would very much be probably be invested in them as well in any sort of index investment that she may hold if she does. And, ultimately, they've actually legislatively been phased out over the next five years. And what that means is that, theoretically, closer to the five year time frame, there is actually more of a significant chance that those are gonna take a bit of a downward spiral. So what I wanna do is I wanna remove them out of the portfolio now before we solidify any losses later on. We'd rather keep the gains that we've made, so to speak. Cool. So I do wanna focus my, like, my my focus on those on some of the underlying investment, make some changes to where the assets sit in respect to the way the economy has moved, the way things are changing. But I guess in terms of investments, I guess one of the things you said just before did trigger something for me that I guess you would like to be a little bit more hands off, not really a lot of knowledge with regards to the underlying investment side of things. Do you want us to do you want me to look at a sort of investment style that would allow allow us to take the wheel a little bit more? Because currently because we recommend the very specific asset split that we do. So each of the holdings that you have for which you have eight different assets, we've recommended those specific holdings. So anytime we wanna make a change, it's a phone call, it's a document, a little bit of a delay. No. That's okay. Alright. Well, what I'll look at is I'll look at maybe a little bit of a what's called, like, an SMA blend where I can incorporate it all. And that way, we're able to kind of make a little bit more of the investment changes ourselves in a little bit more of a timely manner for you moving forward. Yeah. Alright. Cool. Well, now that we I guess we've touched on that side of things, can I ask with respect to, I guess, the goals that you're personally working towards, either personal, financial, your position as a whole, what are you currently sort of looking to achieve? I know that you previously have stated that you wanted to sort of look at being in a position of purchasing an investment property in the next sort of forty five four to five years. No. Yeah. No. Yeah. I knew I knew that you had the the three properties, but I I knew that you had the properties. I just I had down from the last time you like, last year when you spoke to us that you were wanting to possibly look at purchasing another. Okay. Well, can I ask, do you know where your equity sits at the moment? Like, do you know what your your residence value is and what the investment property value and debts are at? She's the one that sort of looks after it all. No. That's okay. Do you know what your mortgage sits at or not sure? Do they earn a bit of an income or are they pretty neutral? So money in, money out. Cool. Alright. Well, that's okay. So, basically, money comes in, money goes out, it pays for itself, but it's equity sitting there. Yeah. And the last record I had was that your primary residence mortgage was fully offset. Is that still the case? Yeah. And we only had a pretty minimal amount. Last time, it was about a $150,000, but I assume it would be a little bit less at this point. Alright. Perfect. And then we have the the two vehicles. Are there any other assets we haven't listed? Has it had it? No. That's okay. So do you know by any chance what you purchased each of the properties for on a rough guess? No. That's okay. I I know that your partner manages all of it, so it's a bit bit of a guessing game if I was to ask you. Yeah. No. That's absolutely absolutely okay. Okay. Well, is there anything that you wanna specifically look into advice wise in the realm of cash okay. No. That's okay. Would you want to maybe look at getting your wife together and having a bit more of a diversified chat with her as well. No. No. That's okay. Alright. Absolutely no stress. So in the realm of your position overall, like, obviously, you have your superannuation fund with HUB24, and then you also have your insurance policy with TAO. Now with regards to your TAL insurance policy, just to, I guess, ask, do you remember or know what it covers you for? No. That's okay. So when I'm talking about the insurance, I'm talking about, like, it's personal insurance. So it covers you in the event that you you yourself were unable to injured, passed away, anything like that. So your policy covers $837,827, so $83,782.07. And the policy covers you under a life insurance benefit, meaning that if you passed away, you your family would be entitled to just shy of 840,000. And then there's an additional benefit under what's called total and permanent disability, which means if you were never able to work again because of illness or injury, then the same amount, so $8,378.27, is payable to yourself in that event. Now given where things are at, I I know that the policy has increased a little bit since it has was originally put in place. The premium for the policy is $3,587 for the year. Do you wanna look at possibly having a look at where the policy sits right now, see if there's anything on the market that we could look at to price match, beat it, have have it cheaper, and or alternatively looking at decreasing the policy a lit little bit to be in line with where things fit now. So in the event that you were never able to work again, what is it that you would want that money to go towards? Is it that you want the money to pay out majority of, like, the investment mortgage so that way there is a income to support the family? Yeah. It's a bit of a hard question. I know. So based on your income, which I have sitting at around the $71,500 mark, providing that's still accurate, then what that policy is giving you is it giving you over ten years worth of nearly twelve years worth of your income to basically be able to support the family. So that would be twelve years worth of income that the family is gonna be able to survive on and go from there. If you take into consideration the fact that your mortgage is basically, your PPR is already paid for because you've got the money sitting in offset and the investment properties are neutrally geared. It's a matter of, I guess, establishing what does your income pay for within your family and whether there is a, I guess, massive need for twelve years worth of your income. So, for example, say, if you were not working anymore, does your wife's income support like, I know your your kids are are teenagers, so your eldest would be 18. Youngest, 16. Yeah. So that 16 and 18 were on the on the tail end of high school and and schooling. So, obviously, you wanna try and get them through schooling, definitely. But once the kids are through schooling, it's a bit of a question as to what what your wife would need support with financially. Okay. So is it is it a matter of sort of I guess your money is more play money, while hers is bill paid? Yeah. No. Not not trying to deny that that the all the money's used. But I guess at the moment with the kids being on the younger side, it's definitely needed. Okay. Well, what I can do is I I can sort of have a look and quote up some lower premiums, go to market, and see whether it's providers that have a bit of a cheaper offering at on cover to see whether there's a a an avenue that way that we can look at decreasing some of the premiums to better suit where things are at. Because I think, like, you're in a really good position financially. Like, you've got the investment properties and they're neutral, so there's not a lot needing to go into them because, as you said, they're paying for themselves. The mortgage is paid off. We don't have any I understand we have debts, obviously, but, you know, they're they're paying for themselves quite nicely at the moment. So what I can do is have a look at some alternatives, and, I guess, it's a a a matter of opening the conversation with your wife to say, hey. My insurance policy covers this. Do how much do you think we actually need? Because twelve years worth of your income, it's not it's not unreasonable. Don't get me wrong. But I also don't wanna be paying for more than we need because the whole point is we're wanting to you to get to the point of actually being at retirement and not always paying for a insurance policy. Insurance policies are basically a thing that you pay for that you hope you never have to claim. It's the same thing on our house. While we pay for house insurance, we actually hope we never have to put a claim in because they're an absolute pain to go through. The downside with this one means we're no longer working or we've this this left the earth. So I just sort of wanna make sure that we are being appropriate. We're not overinsuring as well as obviously not underinsuring. So I'll have a look at some quotes, go to other insurers, and see whether there's anything appropriate on market that I can look at as well. May I just ask, has anything changed with your health or lifestyle since the policy went in place? We haven't picked up smoking, excessive drinking, no height or weight change at all? Yeah. It's the shrinking sometimes that hits us. And then and yeah. No. No. That's perfect. And then I have that we have a diagnosis of diverticulitis and asthma that are both controlled. Yeah. Perfect. No. That's amazing. Now I guess outside of that so what I'll focus my attention on is review of the the underlying asset, look at some different investment modeling, and then look at some insurance. I'll go and do the research, come back to you with outcomes from there. Would next would sort of two weeks from now be appropriate for us to meet, and I can go through the facts and figures when I have them available. Would Wednesday, the thirtieth, be okay? Okay. Is I I can put everything together, and I can send it to you. I need you to still sign off on it for me to implement it. But yep. Okay. Alright. That's okay. Alright. Well, I'll go ahead and get some facts and figures pulled up, and I will go from there and get everything in place. Alright. Perfect. Well, for today, I do have a, like, a review pack that I am sending you. And inside that pack, it has, like, a summary of where your insurance is, a summary of where your super sits. It has what's called an investment index chart. So it just got over the last thirty years how different asset classes have grown. And then it also got our ongoing service agreement, so that way you're able to stay a client of Oakview. So what I'll do is I will send that through to you so you're able to review it and authorize it. And from there, what I will get all of the information emailed through to you within the next two weeks. Alright. Did you have any questions at all for me, Greg? Okay. Well, if you do, please feel free to, give us a call, send me an email, and I'm happy to address them. But, otherwise, I'll get that all through to you as quick as I am able. Alright. Perfect, Craig. You have a absolutely lovely afternoon. You too. 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Good afternoon, Craig. Larissa from Oaktree Financial. How are you going? Yeah.\n\nNot bad. Thank you. It's a lovely Thursday afternoon, so we can't complain too much. How's the day been? It never never eases, does it?\n\nThat's okay. Well, the reason for my call today was to go through your annual review and ultimately be able to establish whether there was any, like, a new advice or where things were sitting. Now just before I do jump into things, I do need to let you know that our calls are recorded. And if I could just get you confirmed security for me, it's just your full name, date of birth, and address. Perfect.\n\nAnd just your just your date of birth as well? Perfect. Thank you for that. Okay. So, basically speaking, the reason, as I said, I wanted to call and go through everything was just to be able to, I guess, establish where things were sitting for you, whether there was any updates to your to your position, and and whether there was sort of, I guess, any appropriate advice that we could pick up given your your current circumstances, make sure that everything that we have on file at the moment is still appropriate and go from there.\n\nSo I guess how's how's the last sort of twelve months been going for you? Sorry. Your wife's in a Okay. And that's, I guess, a lot of part, like, part and parcel of what I wanna go through with you because I can like, I have identified that there are probably a few changes that we can make to some of the investments that you hold underlying to like, within your account to be able to diversify out a little bit more, establish a little bit more in terms of investment growth as well. But that's obviously, I guess, depending on where you wanted to head, what you wanted to do, and and how we, like, approach that.\n\nBut I can definitely yes. No. That's okay. That's that's sort of where I come in. But I guess, first and foremost, before we jump into that side of things, which I'm happy to address, and I'm also happy to like, I can have a look at, like, alternative funds or index funds or, you know, if you know what superannuation fund you're watching, I can have a look at the investment offerings under that account to see do you know which of the AMP products she's in?\n\nI thought it might be a bit of a tall order. No. That's okay. Look. AMP don't really have too too many products anymore.\n\nThey've they've reduced the number of products that they hold. So I I'll be able to sort of have a look across the board and and work from there anyway. And this is with your your wife? Can I ask, is she doing anything different to yourself that you know of? Yeah.\n\nYeah. That's okay. Like, there there is an an asset in your fund that I do wanna look at getting, like, offload offloading. The asset itself was doing really, really well, and it has performed previously while you've held it. But it just hasn't sort of bounced back with the market on the back of some of those downturns that we've experienced this year.\n\nAnd I'm wanting to kind of look at offloading that. It's an Australian equities asset, so it's Australian stocks. And I'm wanting to offload that and rediversify into something still Australian. So it's still national stocks, but just something that's gonna give us a little bit more in terms of returns moving forward to get that growth. Cool.\n\nOutside of that, there's one of the other assets that I do really wanna look at is what's called a banking hybrid asset. So banking hybrids are available in all index funds. So your your wife would very much be probably be invested in them as well in any sort of index investment that she may hold if she does. And, ultimately, they've actually legislatively been phased out over the next five years. And what that means is that, theoretically, closer to the five year time frame, there is actually more of a significant chance that those are gonna take a bit of a downward spiral.\n\nSo what I wanna do is I wanna remove them out of the portfolio now before we solidify any losses later on. We'd rather keep the gains that we've made, so to speak. Cool. So I do wanna focus my, like, my my focus on those on some of the underlying investment, make some changes to where the assets sit in respect to the way the economy has moved, the way things are changing. But I guess in terms of investments, I guess one of the things you said just before did trigger something for me that I guess you would like to be a little bit more hands off, not really a lot of knowledge with regards to the underlying investment side of things.\n\nDo you want us to do you want me to look at a sort of investment style that would allow allow us to take the wheel a little bit more? Because currently because we recommend the very specific asset split that we do. So each of the holdings that you have for which you have eight different assets, we've recommended those specific holdings. So anytime we wanna make a change, it's a phone call, it's a document, a little bit of a delay. No.\n\nThat's okay. Alright. Well, what I'll look at is I'll look at maybe a little bit of a what's called, like, an SMA blend where I can incorporate it all. And that way, we're able to kind of make a little bit more of the investment changes ourselves in a little bit more of a timely manner for you moving forward. Yeah.\n\nAlright. Cool. Well, now that we I guess we've touched on that side of things, can I ask with respect to, I guess, the goals that you're personally working towards, either personal, financial, your position as a whole, what are you currently sort of looking to achieve? I know that you previously have stated that you wanted to sort of look at being in a position of purchasing an investment property in the next sort of forty five four to five years. No.\n\nYeah. No. Yeah. I knew I knew that you had the the three properties, but I I knew that you had the properties. I just I had down from the last time you like, last year when you spoke to us that you were wanting to possibly look at purchasing another.\n\nOkay. Well, can I ask, do you know where your equity sits at the moment? Like, do you know what your your residence value is and what the investment property value and debts are at? She's the one that sort of looks after it all. No.\n\nThat's okay. Do you know what your mortgage sits at or not sure? Do they earn a bit of an income or are they pretty neutral? So money in, money out. Cool.\n\nAlright. Well, that's okay. So, basically, money comes in, money goes out, it pays for itself, but it's equity sitting there. Yeah. And the last record I had was that your primary residence mortgage was fully offset.\n\nIs that still the case? Yeah. And we only had a pretty minimal amount. Last time, it was about a $150,000, but I assume it would be a little bit less at this point. Alright.\n\nPerfect. And then we have the the two vehicles. Are there any other assets we haven't listed? Has it had it? No.\n\nThat's okay. So do you know by any chance what you purchased each of the properties for on a rough guess? No. That's okay. I I know that your partner manages all of it, so it's a bit bit of a guessing game if I was to ask you.\n\nYeah. No. That's absolutely absolutely okay. Okay. Well, is there anything that you wanna specifically look into advice wise in the realm of cash okay.\n\nNo. That's okay. Would you want to maybe look at getting your wife together and having a bit more of a diversified chat with her as well. No. No.\n\nThat's okay. Alright. Absolutely no stress. So in the realm of your position overall, like, obviously, you have your superannuation fund with HUB24, and then you also have your insurance policy with TAO. Now with regards to your TAL insurance policy, just to, I guess, ask, do you remember or know what it covers you for?\n\nNo. That's okay. So when I'm talking about the insurance, I'm talking about, like, it's personal insurance. So it covers you in the event that you you yourself were unable to injured, passed away, anything like that. So your policy covers $837,827, so $83,782.07.\n\nAnd the policy covers you under a life insurance benefit, meaning that if you passed away, you your family would be entitled to just shy of 840,000. And then there's an additional benefit under what's called total and permanent disability, which means if you were never able to work again because of illness or injury, then the same amount, so $8,378.27, is payable to yourself in that event. Now given where things are at, I I know that the policy has increased a little bit since it has was originally put in place. The premium for the policy is $3,587 for the year. Do you wanna look at possibly having a look at where the policy sits right now, see if there's anything on the market that we could look at to price match, beat it, have have it cheaper, and or alternatively looking at decreasing the policy a lit little bit to be in line with where things fit now.\n\nSo in the event that you were never able to work again, what is it that you would want that money to go towards? Is it that you want the money to pay out majority of, like, the investment mortgage so that way there is a income to support the family? Yeah. It's a bit of a hard question. I know.\n\nSo based on your income, which I have sitting at around the $71,500 mark, providing that's still accurate, then what that policy is giving you is it giving you over ten years worth of nearly twelve years worth of your income to basically be able to support the family. So that would be twelve years worth of income that the family is gonna be able to survive on and go from there. If you take into consideration the fact that your mortgage is basically, your PPR is already paid for because you've got the money sitting in offset and the investment properties are neutrally geared. It's a matter of, I guess, establishing what does your income pay for within your family and whether there is a, I guess, massive need for twelve years worth of your income. So, for example, say, if you were not working anymore, does your wife's income support like, I know your your kids are are teenagers, so your eldest would be 18.\n\nYoungest, 16. Yeah. So that 16 and 18 were on the on the tail end of high school and and schooling. So, obviously, you wanna try and get them through schooling, definitely. But once the kids are through schooling, it's a bit of a question as to what what your wife would need support with financially.\n\nOkay. So is it is it a matter of sort of I guess your money is more play money, while hers is bill paid? Yeah. No. Not not trying to deny that that the all the money's used.\n\nBut I guess at the moment with the kids being on the younger side, it's definitely needed. Okay. Well, what I can do is I I can sort of have a look and quote up some lower premiums, go to market, and see whether it's providers that have a bit of a cheaper offering at on cover to see whether there's a a an avenue that way that we can look at decreasing some of the premiums to better suit where things are at. Because I think, like, you're in a really good position financially. Like, you've got the investment properties and they're neutral, so there's not a lot needing to go into them because, as you said, they're paying for themselves.\n\nThe mortgage is paid off. We don't have any I understand we have debts, obviously, but, you know, they're they're paying for themselves quite nicely at the moment. So what I can do is have a look at some alternatives, and, I guess, it's a a a matter of opening the conversation with your wife to say, hey. My insurance policy covers this. Do how much do you think we actually need?\n\nBecause twelve years worth of your income, it's not it's not unreasonable. Don't get me wrong. But I also don't wanna be paying for more than we need because the whole point is we're wanting to you to get to the point of actually being at retirement and not always paying for a insurance policy. Insurance policies are basically a thing that you pay for that you hope you never have to claim. It's the same thing on our house.\n\nWhile we pay for house insurance, we actually hope we never have to put a claim in because they're an absolute pain to go through. The downside with this one means we're no longer working or we've this this left the earth. So I just sort of wanna make sure that we are being appropriate. We're not overinsuring as well as obviously not underinsuring. So I'll have a look at some quotes, go to other insurers, and see whether there's anything appropriate on market that I can look at as well.\n\nMay I just ask, has anything changed with your health or lifestyle since the policy went in place? We haven't picked up smoking, excessive drinking, no height or weight change at all? Yeah. It's the shrinking sometimes that hits us. And then and yeah.\n\nNo. No. That's perfect. And then I have that we have a diagnosis of diverticulitis and asthma that are both controlled. Yeah.\n\nPerfect. No. That's amazing. Now I guess outside of that so what I'll focus my attention on is review of the the underlying asset, look at some different investment modeling, and then look at some insurance. I'll go and do the research, come back to you with outcomes from there.\n\nWould next would sort of two weeks from now be appropriate for us to meet, and I can go through the facts and figures when I have them available. Would Wednesday, the thirtieth, be okay? Okay. Is I I can put everything together, and I can send it to you. I need you to still sign off on it for me to implement it.\n\nBut yep. Okay. Alright. That's okay. Alright.\n\nWell, I'll go ahead and get some facts and figures pulled up, and I will go from there and get everything in place. Alright. Perfect. Well, for today, I do have a, like, a review pack that I am sending you. And inside that pack, it has, like, a summary of where your insurance is, a summary of where your super sits.\n\nIt has what's called an investment index chart. So it just got over the last thirty years how different asset classes have grown. And then it also got our ongoing service agreement, so that way you're able to stay a client of Oakview. So what I'll do is I will send that through to you so you're able to review it and authorize it. And from there, what I will get all of the information emailed through to you within the next two weeks.\n\nAlright. Did you have any questions at all for me, Greg? Okay. Well, if you do, please feel free to, give us a call, send me an email, and I'm happy to address them. But, otherwise, I'll get that all through to you as quick as I am able.\n\nAlright. Perfect, Craig. You have a absolutely lovely afternoon. You too. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":3.36,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.22418668866157532},{"text":"Good afternoon, Craig.","start":3.6799998,"end":4.64,"sentiment":"positive","sentiment_score":0.46988967061042786},{"text":"Larissa from Oaktree Financial.","start":4.64,"end":6.08,"sentiment":"positive","sentiment_score":0.42144693434238434},{"text":"How are you going?","start":6.08,"end":6.8999996,"sentiment":"positive","sentiment_score":0.3965506851673126},{"text":"Yeah.","start":8.48,"end":8.8,"sentiment":"neutral","sentiment_score":0.3267096281051636}],"sentiment":"positive","sentiment_score":0.4025042928182162,"num_words":13,"start":3.36,"end":8.8},{"sentences":[{"text":"Not bad.","start":8.8,"end":9.5199995,"sentiment":"positive","sentiment_score":0.5055660009384155},{"text":"Thank you.","start":9.5199995,"end":10.24,"sentiment":"positive","sentiment_score":0.768789678812027},{"text":"It's a lovely Thursday afternoon, so we can't complain too much.","start":10.24,"end":14.445,"sentiment":"positive","sentiment_score":0.7243946140462701},{"text":"How's the day been?","start":14.445,"end":17.345,"sentiment":"neutral","sentiment_score":0.26814601942896843},{"text":"It never never eases, does it?","start":18.845,"end":20.865,"sentiment":"neutral","sentiment_score":0.27480247616767883}],"sentiment":"positive","sentiment_score":0.5295380419492721,"num_words":25,"start":8.8,"end":20.865},{"sentences":[{"text":"That's okay.","start":24.125,"end":25.025,"sentiment":"neutral","sentiment_score":0.25167664885520935},{"text":"Well, the reason for my call today was to go through your annual review and ultimately be able to establish whether there was any, like, a new advice or where things were sitting.","start":25.724998,"end":40.4,"sentiment":"neutral","sentiment_score":0.07042487405917862},{"text":"Now just before I do jump into things, I do need to let you know that our calls are recorded.","start":41.739998,"end":51.545,"sentiment":"neutral","sentiment_score":0.029237139131873847},{"text":"And if I could just get you confirmed security for me, it's just your full name, date of birth, and address.","start":51.605,"end":56.504997,"sentiment":"neutral","sentiment_score":0.0840555207715148},{"text":"Perfect.","start":68.11,"end":68.61,"sentiment":"neutral","sentiment_score":0.2524263262748718}],"sentiment":"neutral","sentiment_score":0.07051570372438276,"num_words":77,"start":24.125,"end":68.61},{"sentences":[{"text":"And just your just your date of birth as well?","start":68.67,"end":72.21,"sentiment":"neutral","sentiment_score":0.06090344376862049},{"text":"Perfect.","start":76.135,"end":76.615,"sentiment":"positive","sentiment_score":0.5658949017524719},{"text":"Thank you for that.","start":76.615,"end":77.755,"sentiment":"positive","sentiment_score":0.7529577016830444},{"text":"Okay.","start":84.295,"end":84.795,"sentiment":"neutral","sentiment_score":0.30028197169303894},{"text":"So, basically speaking, the reason, as I said, I wanted to call and go through everything was just to be able to, I guess, establish where things were sitting for you, whether there was any updates to your to your position, and and whether there was sort of, I guess, any appropriate advice that we could pick up given your your current circumstances, make sure that everything that we have on file at the moment is still appropriate and go from there.","start":85.259995,"end":124.380005,"sentiment":"neutral","sentiment_score":0.15820008498139498}],"sentiment":"neutral","sentiment_score":0.17815764373814574,"num_words":98,"start":68.67,"end":124.380005},{"sentences":[{"text":"So I guess how's how's the last sort of twelve months been going for you?","start":125.4,"end":130.725,"sentiment":"neutral","sentiment_score":0.09639762341976166},{"text":"Sorry.","start":138.24501,"end":138.74501,"sentiment":"neutral","sentiment_score":-0.2845734655857086},{"text":"Your wife's in a Okay.","start":138.96501,"end":159.675,"sentiment":"neutral","sentiment_score":-0.2619284465909004},{"text":"And that's, I guess, a lot of part, like, part and parcel of what I wanna go through with you because I can like, I have identified that there are probably a few changes that we can make to some of the investments that you hold underlying to like, within your account to be able to diversify out a little bit more, establish a little bit more in terms of investment growth as well.","start":160.375,"end":186.05,"sentiment":"neutral","sentiment_score":0.24696104047266212},{"text":"But that's obviously, I guess, depending on where you wanted to head, what you wanted to do, and and how we, like, approach that.","start":186.27,"end":192.815,"sentiment":"neutral","sentiment_score":0.07326268994559844}],"sentiment":"neutral","sentiment_score":0.16710227064224853,"num_words":119,"start":125.4,"end":192.815},{"sentences":[{"text":"But I can definitely yes.","start":196.315,"end":198.975,"sentiment":"neutral","sentiment_score":-0.3011910989880562},{"text":"No.","start":201.595,"end":201.835,"sentiment":"neutral","sentiment_score":-0.1460731029510498},{"text":"That's okay.","start":201.835,"end":202.715,"sentiment":"neutral","sentiment_score":0.004444163292646408},{"text":"That's that's sort of where I come in.","start":202.715,"end":205.01001,"sentiment":"neutral","sentiment_score":0.10908955335617065},{"text":"But I guess, first and foremost, before we jump into that side of things, which I'm happy to address, and I'm also happy to like, I can have a look at, like, alternative funds or index funds or, you know, if you know what superannuation fund you're watching, I can have a look at the investment offerings under that account to see do you know which of the AMP products she's in?","start":206.83,"end":232.81001,"sentiment":"neutral","sentiment_score":0.2865896076222675}],"sentiment":"neutral","sentiment_score":0.2257275898221203,"num_words":88,"start":196.315,"end":232.81001},{"sentences":[{"text":"I thought it might be a bit of a tall order.","start":236.87001,"end":238.81001,"sentiment":"negative","sentiment_score":-0.4656925418160178},{"text":"No.","start":239.27,"end":239.43001,"sentiment":"neutral","sentiment_score":-0.3192020654678345},{"text":"That's okay.","start":239.43001,"end":240.15001,"sentiment":"neutral","sentiment_score":-0.2161228209733963},{"text":"Look.","start":240.15001,"end":240.55,"sentiment":"neutral","sentiment_score":-0.1288295537233353},{"text":"AMP don't really have too too many products anymore.","start":240.55,"end":243.77,"sentiment":"neutral","sentiment_score":-0.18752769960297477}],"sentiment":"neutral","sentiment_score":-0.32044352156420547,"num_words":24,"start":236.87001,"end":243.77},{"sentences":[{"text":"They've they've reduced the number of products that they hold.","start":244.30501,"end":247.125,"sentiment":"neutral","sentiment_score":-0.1745229497551918},{"text":"So I I'll be able to sort of have a look across the board and and work from there anyway.","start":247.745,"end":253.205,"sentiment":"neutral","sentiment_score":0.01829943899065256},{"text":"And this is with your your wife?","start":281.045,"end":282.805,"sentiment":"neutral","sentiment_score":-0.05154775349157197},{"text":"Can I ask, is she doing anything different to yourself that you know of?","start":282.805,"end":286.32,"sentiment":"neutral","sentiment_score":-0.021268125623464584},{"text":"Yeah.","start":306.735,"end":307.235,"sentiment":"neutral","sentiment_score":0.06736977398395538}],"sentiment":"neutral","sentiment_score":-0.03789344186393114,"num_words":52,"start":244.30501,"end":307.235},{"sentences":[{"text":"Yeah.","start":307.69498,"end":307.935,"sentiment":"neutral","sentiment_score":0.1037939041852951},{"text":"That's okay.","start":307.935,"end":308.755,"sentiment":"neutral","sentiment_score":0.16667978465557098},{"text":"Like, there there is an an asset in your fund that I do wanna look at getting, like, offload offloading.","start":310.97498,"end":317.2,"sentiment":"neutral","sentiment_score":0.11144851297140121},{"text":"The asset itself was doing really, really well, and it has performed previously while you've held it.","start":318.3,"end":324.375,"sentiment":"neutral","sentiment_score":0.2669736103099935},{"text":"But it just hasn't sort of bounced back with the market on the back of some of those downturns that we've experienced this year.","start":325.175,"end":332.395,"sentiment":"neutral","sentiment_score":-0.05284809817870458}],"sentiment":"neutral","sentiment_score":0.09275501174852252,"num_words":64,"start":307.69498,"end":332.395},{"sentences":[{"text":"And I'm wanting to kind of look at offloading that.","start":333.335,"end":336.055,"sentiment":"neutral","sentiment_score":0.07726806476712227},{"text":"It's an Australian equities asset, so it's Australian stocks.","start":336.055,"end":340.17,"sentiment":"neutral","sentiment_score":0.07136500750978787},{"text":"And I'm wanting to offload that and rediversify into something still Australian.","start":341.05002,"end":345.31003,"sentiment":"neutral","sentiment_score":0.1171813365072012},{"text":"So it's still national stocks, but just something that's gonna give us a little bit more in terms of returns moving forward to get that growth.","start":346.33002,"end":354.165,"sentiment":"neutral","sentiment_score":0.22636932249252611},{"text":"Cool.","start":356.725,"end":357.225,"sentiment":"neutral","sentiment_score":0.2682386040687561}],"sentiment":"neutral","sentiment_score":0.1547410817624166,"num_words":58,"start":333.335,"end":357.225},{"sentences":[{"text":"Outside of that, there's one of the other assets that I do really wanna look at is what's called a banking hybrid asset.","start":358.245,"end":366.58502,"sentiment":"neutral","sentiment_score":0.09682730374776799},{"text":"So banking hybrids are available in all index funds.","start":367.23,"end":371.81,"sentiment":"neutral","sentiment_score":0.07032808951205677},{"text":"So your your wife would very much be probably be invested in them as well in any sort of index investment that she may hold if she does.","start":372.27,"end":380.85,"sentiment":"neutral","sentiment_score":0.06393273826688528},{"text":"And, ultimately, they've actually legislatively been phased out over the next five years.","start":381.91498,"end":387.055,"sentiment":"neutral","sentiment_score":-0.08920649525064689},{"text":"And what that means is that, theoretically, closer to the five year time frame, there is actually more of a significant chance that those are gonna take a bit of a downward spiral.","start":387.595,"end":395.995,"sentiment":"neutral","sentiment_score":-0.20153066628810132}],"sentiment":"neutral","sentiment_score":-0.02981225436307349,"num_words":106,"start":358.245,"end":395.995},{"sentences":[{"text":"So what I wanna do is I wanna remove them out of the portfolio now before we solidify any losses later on.","start":395.995,"end":402.9,"sentiment":"neutral","sentiment_score":-0.15652036836201494},{"text":"We'd rather keep the gains that we've made, so to speak.","start":402.96,"end":406.18,"sentiment":"neutral","sentiment_score":0.08834614824842323},{"text":"Cool.","start":408.8,"end":409.2,"sentiment":"neutral","sentiment_score":0.2952753007411957},{"text":"So I do wanna focus my, like, my my focus on those on some of the underlying investment, make some changes to where the assets sit in respect to the way the economy has moved, the way things are changing.","start":409.2,"end":421.965,"sentiment":"neutral","sentiment_score":0.14319812320172787},{"text":"But I guess in terms of investments, I guess one of the things you said just before did trigger something for me that I guess you would like to be a little bit more hands off, not really a lot of knowledge with regards to the underlying investment side of things.","start":422.73,"end":437.295,"sentiment":"neutral","sentiment_score":-0.06201692670583725}],"sentiment":"neutral","sentiment_score":0.003109571948647499,"num_words":125,"start":395.995,"end":437.295},{"sentences":[{"text":"Do you want us to do you want me to look at a sort of investment style that would allow allow us to take the wheel a little bit more?","start":437.61502,"end":444.515,"sentiment":"neutral","sentiment_score":0.10542743739982446},{"text":"Because currently because we recommend the very specific asset split that we do.","start":444.815,"end":449.135,"sentiment":"neutral","sentiment_score":0.03392502006429892},{"text":"So each of the holdings that you have for which you have eight different assets, we've recommended those specific holdings.","start":449.135,"end":458.63998,"sentiment":"neutral","sentiment_score":0.03992199301719666},{"text":"So anytime we wanna make a change, it's a phone call, it's a document, a little bit of a delay.","start":458.63998,"end":464.74,"sentiment":"neutral","sentiment_score":-0.10005997968837618},{"text":"No.","start":472.815,"end":472.975,"sentiment":"neutral","sentiment_score":-0.2520538568496704}],"sentiment":"neutral","sentiment_score":0.025583747530444748,"num_words":84,"start":437.61502,"end":472.975},{"sentences":[{"text":"That's okay.","start":472.975,"end":473.535,"sentiment":"neutral","sentiment_score":-0.0972544401884079},{"text":"Alright.","start":473.535,"end":473.935,"sentiment":"neutral","sentiment_score":0.20081663131713867},{"text":"Well, what I'll look at is I'll look at maybe a little bit of a what's called, like, an SMA blend where I can incorporate it all.","start":473.935,"end":481.28998,"sentiment":"neutral","sentiment_score":0.30074149811709366},{"text":"And that way, we're able to kind of make a little bit more of the investment changes ourselves in a little bit more of a timely manner for you moving forward.","start":481.28998,"end":489.38998,"sentiment":"positive","sentiment_score":0.4247208833694458},{"text":"Yeah.","start":491.68997,"end":492.09,"sentiment":"neutral","sentiment_score":0.18243739008903503}],"sentiment":"positive","sentiment_score":0.3463727899136082,"num_words":62,"start":472.975,"end":492.09},{"sentences":[{"text":"Alright.","start":492.09,"end":492.49,"sentiment":"neutral","sentiment_score":0.30388981103897095},{"text":"Cool.","start":492.49,"end":492.99,"sentiment":"positive","sentiment_score":0.36117666959762573},{"text":"Well, now that we I guess we've touched on that side of things, can I ask with respect to, I guess, the goals that you're personally working towards, either personal, financial, your position as a whole, what are you currently sort of looking to achieve?","start":493.64502,"end":509.1,"sentiment":"neutral","sentiment_score":0.24283269147078196},{"text":"I know that you previously have stated that you wanted to sort of look at being in a position of purchasing an investment property in the next sort of forty five four to five years.","start":509.32,"end":517.82,"sentiment":"neutral","sentiment_score":0.06939270028046199},{"text":"No.","start":532.5,"end":532.74,"sentiment":"neutral","sentiment_score":-0.10625220835208891}],"sentiment":"neutral","sentiment_score":0.1676509626299502,"num_words":83,"start":492.09,"end":532.74},{"sentences":[{"text":"Yeah.","start":532.74,"end":533.14,"sentiment":"neutral","sentiment_score":-0.07861345261335373},{"text":"No.","start":533.14,"end":533.62,"sentiment":"neutral","sentiment_score":-0.15238380432128906},{"text":"Yeah.","start":533.62,"end":534.02,"sentiment":"neutral","sentiment_score":-0.13479173183441162},{"text":"I knew I knew that you had the the three properties, but I I knew that you had the properties.","start":534.02,"end":539.08,"sentiment":"neutral","sentiment_score":-0.09810220114886761},{"text":"I just I had down from the last time you like, last year when you spoke to us that you were wanting to possibly look at purchasing another.","start":539.62,"end":546.68,"sentiment":"neutral","sentiment_score":-0.10206800140440464}],"sentiment":"neutral","sentiment_score":-0.1016811186484262,"num_words":51,"start":532.74,"end":546.68},{"sentences":[{"text":"Okay.","start":553.17505,"end":553.67505,"sentiment":"neutral","sentiment_score":0.02330365963280201},{"text":"Well, can I ask, do you know where your equity sits at the moment?","start":553.815,"end":557.335,"sentiment":"neutral","sentiment_score":-0.007754106473709855},{"text":"Like, do you know what your your residence value is and what the investment property value and debts are at?","start":557.335,"end":570.5,"sentiment":"neutral","sentiment_score":-0.015330462530255318},{"text":"She's the one that sort of looks after it all.","start":570.5,"end":572.6,"sentiment":"neutral","sentiment_score":-0.027173570916056634},{"text":"No.","start":574.58,"end":574.82,"sentiment":"neutral","sentiment_score":-0.05145733803510666}],"sentiment":"neutral","sentiment_score":-0.015544698452172072,"num_words":46,"start":553.17505,"end":574.82},{"sentences":[{"text":"That's okay.","start":574.82,"end":575.64,"sentiment":"neutral","sentiment_score":0.0023999316617846498},{"text":"Do you know what your mortgage sits at or not sure?","start":576.40497,"end":581.545,"sentiment":"neutral","sentiment_score":-0.02978746152736924},{"text":"Do they earn a bit of an income or are they pretty neutral?","start":587.20496,"end":590.90497,"sentiment":"neutral","sentiment_score":0.004546136666948979},{"text":"So money in, money out.","start":591.045,"end":596.68,"sentiment":"neutral","sentiment_score":0.052238224819302556},{"text":"Cool.","start":596.82,"end":597.22,"sentiment":"neutral","sentiment_score":0.3135340213775635}],"sentiment":"neutral","sentiment_score":0.00971758464584127,"num_words":32,"start":574.82,"end":597.22},{"sentences":[{"text":"Alright.","start":597.22,"end":597.72,"sentiment":"neutral","sentiment_score":0.24607780575752256},{"text":"Well, that's okay.","start":597.77997,"end":598.5,"sentiment":"neutral","sentiment_score":0.2910524209340413},{"text":"So, basically, money comes in, money goes out, it pays for itself, but it's equity sitting there.","start":598.5,"end":603.39996,"sentiment":"neutral","sentiment_score":0.16590958220117233},{"text":"Yeah.","start":604.935,"end":605.175,"sentiment":"neutral","sentiment_score":0.07353729009628296},{"text":"And the last record I had was that your primary residence mortgage was fully offset.","start":605.175,"end":609.97504,"sentiment":"neutral","sentiment_score":0.02964055575430393}],"sentiment":"neutral","sentiment_score":0.12048225925379508,"num_words":37,"start":597.22,"end":609.97504},{"sentences":[{"text":"Is that still the case?","start":609.97504,"end":611.115,"sentiment":"neutral","sentiment_score":0.009491364285349847},{"text":"Yeah.","start":614.855,"end":615.355,"sentiment":"neutral","sentiment_score":0.02666378393769264},{"text":"And we only had a pretty minimal amount.","start":615.495,"end":617.495,"sentiment":"neutral","sentiment_score":0.002617688151076436},{"text":"Last time, it was about a $150,000, but I assume it would be a little bit less at this point.","start":617.575,"end":622.51996,"sentiment":"neutral","sentiment_score":-0.017756109591573477},{"text":"Alright.","start":631.94,"end":632.42,"sentiment":"neutral","sentiment_score":0.31881842017173767}],"sentiment":"neutral","sentiment_score":0.001678809683237757,"num_words":35,"start":609.97504,"end":632.42},{"sentences":[{"text":"Perfect.","start":632.42,"end":632.92,"sentiment":"positive","sentiment_score":0.5415881276130676},{"text":"And then we have the the two vehicles.","start":633.84503,"end":635.685,"sentiment":"neutral","sentiment_score":0.14167951559647918},{"text":"Are there any other assets we haven't listed?","start":635.685,"end":639.145,"sentiment":"neutral","sentiment_score":0.04311584774404764},{"text":"Has it had it?","start":640.645,"end":641.445,"sentiment":"neutral","sentiment_score":0.01789871696382761},{"text":"No.","start":641.445,"end":641.60504,"sentiment":"neutral","sentiment_score":-0.05476678907871246}],"sentiment":"neutral","sentiment_score":0.09258086877790364,"num_words":22,"start":632.42,"end":641.60504},{"sentences":[{"text":"That's okay.","start":641.60504,"end":642.34503,"sentiment":"neutral","sentiment_score":-0.015191806480288506},{"text":"So do you know by any chance what you purchased each of the properties for on a rough guess?","start":644.245,"end":651.22,"sentiment":"neutral","sentiment_score":-0.030339894326109635},{"text":"No.","start":657.12,"end":657.36,"sentiment":"neutral","sentiment_score":-0.13240715861320496},{"text":"That's okay.","start":657.36,"end":658.16,"sentiment":"neutral","sentiment_score":-0.08316900581121445},{"text":"I I know that your partner manages all of it, so it's a bit bit of a guessing game if I was to ask you.","start":658.16,"end":663.675,"sentiment":"neutral","sentiment_score":-0.0928233677148819}],"sentiment":"neutral","sentiment_score":-0.06584022384212941,"num_words":49,"start":641.60504,"end":663.675},{"sentences":[{"text":"Yeah.","start":665.595,"end":666.095,"sentiment":"neutral","sentiment_score":0.0292903371155262},{"text":"No.","start":666.71497,"end":667.21497,"sentiment":"neutral","sentiment_score":0.006290551275014877},{"text":"That's absolutely absolutely okay.","start":667.755,"end":669.935,"sentiment":"neutral","sentiment_score":0.13345419988036156},{"text":"Okay.","start":671.035,"end":671.435,"sentiment":"neutral","sentiment_score":0.08949609845876694},{"text":"Well, is there anything that you wanna specifically look into advice wise in the realm of cash okay.","start":671.435,"end":682.92,"sentiment":"neutral","sentiment_score":0.04623740414778391}],"sentiment":"neutral","sentiment_score":0.05964668244123459,"num_words":25,"start":665.595,"end":682.92},{"sentences":[{"text":"No.","start":683.77997,"end":684.01996,"sentiment":"neutral","sentiment_score":-0.042407307773828506},{"text":"That's okay.","start":684.01996,"end":684.75995,"sentiment":"neutral","sentiment_score":0.06623172760009766},{"text":"Would you want to maybe look at getting your wife together and having a bit more of a diversified chat with her as well.","start":685.45996,"end":694.685,"sentiment":"neutral","sentiment_score":0.18506279618789753},{"text":"No.","start":697.385,"end":697.625,"sentiment":"neutral","sentiment_score":-0.08171802759170532},{"text":"No.","start":697.625,"end":697.865,"sentiment":"neutral","sentiment_score":-0.031532809138298035}],"sentiment":"neutral","sentiment_score":0.15235560066227255,"num_words":29,"start":683.77997,"end":697.865},{"sentences":[{"text":"That's okay.","start":697.865,"end":698.605,"sentiment":"neutral","sentiment_score":0.10677184164524078},{"text":"Alright.","start":700.665,"end":701.165,"sentiment":"neutral","sentiment_score":0.228457435965538},{"text":"Absolutely no stress.","start":701.945,"end":703.64496,"sentiment":"neutral","sentiment_score":0.20667697737614313},{"text":"So in the realm of your position overall, like, obviously, you have your superannuation fund with HUB24, and then you also have your insurance policy with TAO.","start":704.02496,"end":719.45,"sentiment":"neutral","sentiment_score":0.10103130878673659},{"text":"Now with regards to your TAL insurance policy, just to, I guess, ask, do you remember or know what it covers you for?","start":719.945,"end":731.73,"sentiment":"neutral","sentiment_score":0.02496661691238051}],"sentiment":"neutral","sentiment_score":0.07793052817162659,"num_words":56,"start":697.865,"end":731.73},{"sentences":[{"text":"No.","start":734.85,"end":735.01,"sentiment":"neutral","sentiment_score":-0.25328266620635986},{"text":"That's okay.","start":735.01,"end":735.82996,"sentiment":"neutral","sentiment_score":-0.022413829341530796},{"text":"So when I'm talking about the insurance, I'm talking about, like, it's personal insurance.","start":737.88995,"end":742.70996,"sentiment":"neutral","sentiment_score":0.07616585679352283},{"text":"So it covers you in the event that you you yourself were unable to injured, passed away, anything like that.","start":742.76996,"end":753.285,"sentiment":"neutral","sentiment_score":0.04735790062695742},{"text":"So your policy covers $837,827, so $83,782.07.","start":753.665,"end":761.445,"sentiment":"neutral","sentiment_score":0.18216117577893393}],"sentiment":"neutral","sentiment_score":0.06796586166389963,"num_words":44,"start":734.85,"end":761.445},{"sentences":[{"text":"And the policy covers you under a life insurance benefit, meaning that if you passed away, you your family would be entitled to just shy of 840,000.","start":761.85,"end":773.55,"sentiment":"neutral","sentiment_score":0.2114202584381457},{"text":"And then there's an additional benefit under what's called total and permanent disability, which means if you were never able to work again because of illness or injury, then the same amount, so $8,378.27, is payable to yourself in that event.","start":774.025,"end":792.19995,"sentiment":"neutral","sentiment_score":0.05172144167306947},{"text":"Now given where things are at, I I know that the policy has increased a little bit since it has was originally put in place.","start":792.81995,"end":801.24,"sentiment":"neutral","sentiment_score":-0.01969131052494049},{"text":"The premium for the policy is $3,587 for the year.","start":802.235,"end":808.415,"sentiment":"neutral","sentiment_score":0.11724543049931527},{"text":"Do you wanna look at possibly having a look at where the policy sits right now, see if there's anything on the market that we could look at to price match, beat it, have have it cheaper, and or alternatively looking at decreasing the policy a lit little bit to be in line with where things fit now.","start":809.355,"end":828.14,"sentiment":"neutral","sentiment_score":0.03914369462892927}],"sentiment":"neutral","sentiment_score":0.06695299327188398,"num_words":161,"start":761.85,"end":828.14},{"sentences":[{"text":"So in the event that you were never able to work again, what is it that you would want that money to go towards?","start":832.46497,"end":838.40497,"sentiment":"neutral","sentiment_score":-0.046082228111724056},{"text":"Is it that you want the money to pay out majority of, like, the investment mortgage so that way there is a income to support the family?","start":838.46497,"end":848.0,"sentiment":"neutral","sentiment_score":0.10362955389751329},{"text":"Yeah.","start":855.625,"end":855.945,"sentiment":"neutral","sentiment_score":-0.2457951307296753},{"text":"It's a bit of a hard question.","start":855.945,"end":857.30505,"sentiment":"negative","sentiment_score":-0.4192103275230953},{"text":"I know.","start":857.30505,"end":857.965,"sentiment":"negative","sentiment_score":-0.3519677370786667}],"sentiment":"neutral","sentiment_score":-0.03593735109831466,"num_words":61,"start":832.46497,"end":857.965},{"sentences":[{"text":"So based on your income, which I have sitting at around the $71,500 mark, providing that's still accurate, then what that policy is giving you is it giving you over ten years worth of nearly twelve years worth of your income to basically be able to support the family.","start":870.45,"end":896.485,"sentiment":"neutral","sentiment_score":0.29098016996772924},{"text":"So that would be twelve years worth of income that the family is gonna be able to survive on and go from there.","start":896.485,"end":904.48,"sentiment":"positive","sentiment_score":0.393121978510981},{"text":"If you take into consideration the fact that your mortgage is basically, your PPR is already paid for because you've got the money sitting in offset and the investment properties are neutrally geared.","start":905.82,"end":915.48505,"sentiment":"neutral","sentiment_score":0.14117810084964288},{"text":"It's a matter of, I guess, establishing what does your income pay for within your family and whether there is a, I guess, massive need for twelve years worth of your income.","start":915.705,"end":927.645,"sentiment":"neutral","sentiment_score":0.17443217313848436},{"text":"So, for example, say, if you were not working anymore, does your wife's income support like, I know your your kids are are teenagers, so your eldest would be 18.","start":928.85,"end":940.07,"sentiment":"neutral","sentiment_score":-0.009247959529360136}],"sentiment":"neutral","sentiment_score":0.1991802509985641,"num_words":167,"start":870.45,"end":940.07},{"sentences":[{"text":"Youngest, 16.","start":941.615,"end":942.59503,"sentiment":"neutral","sentiment_score":0.07989086583256721},{"text":"Yeah.","start":944.495,"end":944.995,"sentiment":"neutral","sentiment_score":0.12369884550571442},{"text":"So that 16 and 18 were on the on the tail end of high school and and schooling.","start":945.455,"end":952.335,"sentiment":"neutral","sentiment_score":0.059898018216093384},{"text":"So, obviously, you wanna try and get them through schooling, definitely.","start":952.335,"end":954.915,"sentiment":"neutral","sentiment_score":0.2405103011564775},{"text":"But once the kids are through schooling, it's a bit of a question as to what what your wife would need support with financially.","start":955.56,"end":964.78,"sentiment":"neutral","sentiment_score":-0.11568011374523242}],"sentiment":"neutral","sentiment_score":0.021980990855289356,"num_words":56,"start":941.615,"end":964.78},{"sentences":[{"text":"Okay.","start":972.29504,"end":972.79504,"sentiment":"neutral","sentiment_score":-0.042509615421295166},{"text":"So is it is it a matter of sort of I guess your money is more play money, while hers is bill paid?","start":973.17505,"end":980.075,"sentiment":"neutral","sentiment_score":-0.0866842083632946},{"text":"Yeah.","start":984.34,"end":984.84,"sentiment":"neutral","sentiment_score":-0.03810397535562515},{"text":"No.","start":985.3,"end":985.62,"sentiment":"neutral","sentiment_score":-0.1961699426174164},{"text":"Not not trying to deny that that the all the money's used.","start":985.62,"end":989.08,"sentiment":"neutral","sentiment_score":-0.26413702716430026}],"sentiment":"neutral","sentiment_score":-0.14316222767688727,"num_words":38,"start":972.29504,"end":989.08},{"sentences":[{"text":"But I guess at the moment with the kids being on the younger side, it's definitely needed.","start":989.94,"end":997.24,"sentiment":"neutral","sentiment_score":-0.08156570441582624},{"text":"Okay.","start":1005.705,"end":1006.205,"sentiment":"neutral","sentiment_score":-0.10778727382421494},{"text":"Well, what I can do is I I can sort of have a look and quote up some lower premiums, go to market, and see whether it's providers that have a bit of a cheaper offering at on cover to see whether there's a a an avenue that way that we can look at decreasing some of the premiums to better suit where things are at.","start":1006.745,"end":1030.705,"sentiment":"neutral","sentiment_score":0.22147274164087843},{"text":"Because I think, like, you're in a really good position financially.","start":1031.005,"end":1034.445,"sentiment":"positive","sentiment_score":0.6466368111697111},{"text":"Like, you've got the investment properties and they're neutral, so there's not a lot needing to go into them because, as you said, they're paying for themselves.","start":1034.445,"end":1040.9,"sentiment":"positive","sentiment_score":0.3632738667505759}],"sentiment":"neutral","sentiment_score":0.24626390184046792,"num_words":122,"start":989.94,"end":1040.9},{"sentences":[{"text":"The mortgage is paid off.","start":1040.9,"end":1042.28,"sentiment":"neutral","sentiment_score":0.09007317274808883},{"text":"We don't have any I understand we have debts, obviously, but, you know, they're they're paying for themselves quite nicely at the moment.","start":1042.9,"end":1051.72,"sentiment":"neutral","sentiment_score":0.05700856706370478},{"text":"So what I can do is have a look at some alternatives, and, I guess, it's a a a matter of opening the conversation with your wife to say, hey.","start":1052.745,"end":1061.865,"sentiment":"neutral","sentiment_score":0.26113469501336417},{"text":"My insurance policy covers this.","start":1061.865,"end":1063.645,"sentiment":"neutral","sentiment_score":0.12533243596553803},{"text":"Do how much do you think we actually need?","start":1064.185,"end":1067.5651,"sentiment":"neutral","sentiment_score":0.0953732281923294}],"sentiment":"neutral","sentiment_score":0.15389756930785048,"num_words":72,"start":1040.9,"end":1067.5651},{"sentences":[{"text":"Because twelve years worth of your income, it's not it's not unreasonable.","start":1069.12,"end":1072.58,"sentiment":"neutral","sentiment_score":0.16228864093621573},{"text":"Don't get me wrong.","start":1072.72,"end":1073.78,"sentiment":"neutral","sentiment_score":0.11309062130749226},{"text":"But I also don't wanna be paying for more than we need because the whole point is we're wanting to you to get to the point of actually being at retirement and not always paying for a insurance policy.","start":1074.64,"end":1085.875,"sentiment":"neutral","sentiment_score":0.14694737910460204},{"text":"Insurance policies are basically a thing that you pay for that you hope you never have to claim.","start":1087.055,"end":1091.055,"sentiment":"neutral","sentiment_score":0.08621104516916805},{"text":"It's the same thing on our house.","start":1091.055,"end":1092.255,"sentiment":"neutral","sentiment_score":0.08777910683836256}],"sentiment":"neutral","sentiment_score":0.12871283153072,"num_words":80,"start":1069.12,"end":1092.255},{"sentences":[{"text":"While we pay for house insurance, we actually hope we never have to put a claim in because they're an absolute pain to go through.","start":1092.255,"end":1097.62,"sentiment":"neutral","sentiment_score":-0.10959266066551208},{"text":"The downside with this one means we're no longer working or we've this this left the earth.","start":1098.88,"end":1103.7799,"sentiment":"negative","sentiment_score":-0.5310845339999479},{"text":"So I just sort of wanna make sure that we are being appropriate.","start":1106.08,"end":1109.7,"sentiment":"neutral","sentiment_score":-0.0856564211157652},{"text":"We're not overinsuring as well as obviously not underinsuring.","start":1109.76,"end":1113.7949,"sentiment":"neutral","sentiment_score":-0.13321766898863846},{"text":"So I'll have a look at some quotes, go to other insurers, and see whether there's anything appropriate on market that I can look at as well.","start":1117.215,"end":1125.075,"sentiment":"neutral","sentiment_score":0.16240350708917337}],"sentiment":"neutral","sentiment_score":-0.10654781756738385,"num_words":91,"start":1092.255,"end":1125.075},{"sentences":[{"text":"May I just ask, has anything changed with your health or lifestyle since the policy went in place?","start":1126.03,"end":1132.85,"sentiment":"neutral","sentiment_score":0.023720186514159042},{"text":"We haven't picked up smoking, excessive drinking, no height or weight change at all?","start":1133.0701,"end":1139.3301,"sentiment":"neutral","sentiment_score":-0.14584359100886754},{"text":"Yeah.","start":1145.495,"end":1145.735,"sentiment":"neutral","sentiment_score":-0.10432744026184082},{"text":"It's the shrinking sometimes that hits us.","start":1145.735,"end":1148.3151,"sentiment":"neutral","sentiment_score":-0.19810659757682256},{"text":"And then and yeah.","start":1148.935,"end":1163.4701,"sentiment":"neutral","sentiment_score":-0.0517992302775383}],"sentiment":"neutral","sentiment_score":-0.07529812411997806,"num_words":44,"start":1126.03,"end":1163.4701},{"sentences":[{"text":"No.","start":1163.6101,"end":1163.77,"sentiment":"neutral","sentiment_score":-0.0699179470539093},{"text":"No.","start":1163.77,"end":1164.17,"sentiment":"neutral","sentiment_score":-0.04239046201109886},{"text":"That's perfect.","start":1164.17,"end":1165.15,"sentiment":"neutral","sentiment_score":0.22175903618335724},{"text":"And then I have that we have a diagnosis of diverticulitis and asthma that are both controlled.","start":1165.29,"end":1172.845,"sentiment":"neutral","sentiment_score":0.04489484034916934},{"text":"Yeah.","start":1174.585,"end":1175.085,"sentiment":"neutral","sentiment_score":0.16565828025341034}],"sentiment":"neutral","sentiment_score":0.05727637406777252,"num_words":22,"start":1163.6101,"end":1175.085},{"sentences":[{"text":"Perfect.","start":1175.145,"end":1175.645,"sentiment":"positive","sentiment_score":0.38109397888183594},{"text":"No.","start":1176.8251,"end":1177.0651,"sentiment":"neutral","sentiment_score":0.2401656061410904},{"text":"That's amazing.","start":1177.0651,"end":1177.805,"sentiment":"positive","sentiment_score":0.5167737603187561},{"text":"Now I guess outside of that so what I'll focus my attention on is review of the the underlying asset, look at some different investment modeling, and then look at some insurance.","start":1180.5901,"end":1192.4501,"sentiment":"neutral","sentiment_score":0.135743374703452},{"text":"I'll go and do the research, come back to you with outcomes from there.","start":1193.4049,"end":1197.985,"sentiment":"neutral","sentiment_score":0.16751053716455186}],"sentiment":"neutral","sentiment_score":0.16687485232949256,"num_words":50,"start":1175.145,"end":1197.985},{"sentences":[{"text":"Would next would sort of two weeks from now be appropriate for us to meet, and I can go through the facts and figures when I have them available.","start":1200.445,"end":1209.85,"sentiment":"neutral","sentiment_score":0.08229628500753436},{"text":"Would Wednesday, the thirtieth, be okay?","start":1209.85,"end":1211.87,"sentiment":"neutral","sentiment_score":0.052207945535580315},{"text":"Okay.","start":1218.4099,"end":1218.9099,"sentiment":"neutral","sentiment_score":0.1832374483346939},{"text":"Is I I can put everything together, and I can send it to you.","start":1219.13,"end":1230.665,"sentiment":"neutral","sentiment_score":0.2173800463122981},{"text":"I need you to still sign off on it for me to implement it.","start":1230.665,"end":1233.785,"sentiment":"neutral","sentiment_score":0.0316992581688932}],"sentiment":"neutral","sentiment_score":0.09953418202348985,"num_words":64,"start":1200.445,"end":1233.785},{"sentences":[{"text":"But yep.","start":1233.785,"end":1235.3201,"sentiment":"neutral","sentiment_score":-0.1261047013103962},{"text":"Okay.","start":1240.66,"end":1241.16,"sentiment":"neutral","sentiment_score":0.009434062987565994},{"text":"Alright.","start":1241.7,"end":1242.1,"sentiment":"neutral","sentiment_score":0.05931764841079712},{"text":"That's okay.","start":1242.1,"end":1242.9,"sentiment":"neutral","sentiment_score":0.10080087929964066},{"text":"Alright.","start":1242.9,"end":1243.22,"sentiment":"neutral","sentiment_score":0.12554877996444702}],"sentiment":"neutral","sentiment_score":0.02052754962018558,"num_words":7,"start":1233.785,"end":1243.22},{"sentences":[{"text":"Well, I'll go ahead and get some facts and figures pulled up, and I will go from there and get everything in place.","start":1243.22,"end":1250.6749,"sentiment":"neutral","sentiment_score":0.1589925477038259},{"text":"Alright.","start":1252.6549,"end":1253.135,"sentiment":"neutral","sentiment_score":0.24230074882507324},{"text":"Perfect.","start":1253.135,"end":1253.635,"sentiment":"positive","sentiment_score":0.366213321685791},{"text":"Well, for today, I do have a, like, a review pack that I am sending you.","start":1254.735,"end":1259.635,"sentiment":"neutral","sentiment_score":0.18031289242208004},{"text":"And inside that pack, it has, like, a summary of where your insurance is, a summary of where your super sits.","start":1259.9349,"end":1267.38,"sentiment":"neutral","sentiment_score":0.12956249518763452}],"sentiment":"neutral","sentiment_score":0.15921227976439462,"num_words":62,"start":1243.22,"end":1267.38},{"sentences":[{"text":"It has what's called an investment index chart.","start":1267.6,"end":1270.9601,"sentiment":"neutral","sentiment_score":0.19902212172746658},{"text":"So it just got over the last thirty years how different asset classes have grown.","start":1270.9601,"end":1277.54,"sentiment":"neutral","sentiment_score":0.23446276982625325},{"text":"And then it also got our ongoing service agreement, so that way you're able to stay a client of Oakview.","start":1277.905,"end":1284.805,"sentiment":"neutral","sentiment_score":0.3290445297956467},{"text":"So what I'll do is I will send that through to you so you're able to review it and authorize it.","start":1286.145,"end":1292.64,"sentiment":"neutral","sentiment_score":0.31617681469236103},{"text":"And from there, what I will get all of the information emailed through to you within the next two weeks.","start":1293.04,"end":1299.38,"sentiment":"neutral","sentiment_score":0.2968480683863163}],"sentiment":"neutral","sentiment_score":0.28888909039752825,"num_words":84,"start":1267.6,"end":1299.38},{"sentences":[{"text":"Alright.","start":1301.2001,"end":1301.7001,"sentiment":"positive","sentiment_score":0.3393424451351166},{"text":"Did you have any questions at all for me, Greg?","start":1301.76,"end":1304.26,"sentiment":"neutral","sentiment_score":0.15007772967219352},{"text":"Okay.","start":1306.295,"end":1306.795,"sentiment":"neutral","sentiment_score":0.13896837830543518},{"text":"Well, if you do, please feel free to, give us a call, send me an email, and I'm happy to address them.","start":1307.015,"end":1313.495,"sentiment":"neutral","sentiment_score":0.20058441907167435},{"text":"But, otherwise, I'll get that all through to you as quick as I am 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Doing good. And you? Busy. Nine. It's Craig Bonfield. 27 Joseph Street, Neona, New South Wales Two '5. 03/18/1972. Fine. Although, my wife is in a thin position, and our sleep is doing better. Hang on So my wife's in a similar position or was, and her super is doing better. I've got no I've got no idea because I'm not in that realm. She's in she's in a and p. Because there was there was a downward turn that we sort of, like, did for oh, and then it went back up. So and then it just shot up from 200,000 to something to 400,000 and something. So where mine seems to have just coasted. She's probably like me. It goes, alright. We need to give you a super there you go. We suggest AMP. Thank you very much. That's it. I don't think there are too many people that know the ins and outs and what's good and what's not. It's just the thing that you have to do for when you go. Sounds good. Sounds good. Oh, man. You can do I don't care, to be honest. Just do what you need to do. Okay. Yeah. My, basically, we've got three investment properties, a duplex and a single level. Yes. Yes. That's still being thought about. No. That will be a question for my wife. Yeah. All I can tell you is that they pay for themselves. Mutual. The more neutral learning more neutral learning. Yes. Yes. It's yes. Basically, the same. No. Yes. I wouldn't even know what to ask, So that's a no. No. I haven't given it too much thought. What would you recommend? Yes. Yeah. Not a lot. If the engine wouldn't either. No. We can't no. We no. We both contribute. Yeah. I'm I haven't got any k. Read away. Yes. No. No. I just we don't. No. Definitely. I haven't grown any or shrunk any. Well, maybe it's shrunk a little bit, but yes. No. I've not put over punch weight on. Being a middle aged person, you can attend to. Yeah. Yeah. '9 lovely and Tiffany then. So so why don't you go if it if you're happy with it, I'm happy with it. Well, I can do that. I just won't be spending too much attention on it. Sounds good. No questions whatsoever. Alright. Cool. You too. Take care. 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to Craig. Doing good. And you? Busy. Nine.\n\nIt's Craig Bonfield. 27 Joseph Street, Neona, New South Wales Two '5. 03/18/1972. Fine. Although, my wife is in a thin position, and our sleep is doing better.\n\nHang on So my wife's in a similar position or was, and her super is doing better. I've got no I've got no idea because I'm not in that realm. She's in she's in a and p. Because there was there was a downward turn that we sort of, like, did for oh, and then it went back up. So and then it just shot up from 200,000 to something to 400,000 and something.\n\nSo where mine seems to have just coasted. She's probably like me. It goes, alright. We need to give you a super there you go. We suggest AMP.\n\nThank you very much. That's it. I don't think there are too many people that know the ins and outs and what's good and what's not. It's just the thing that you have to do for when you go. Sounds good.\n\nSounds good. Oh, man. You can do I don't care, to be honest. Just do what you need to do. Okay.\n\nYeah. My, basically, we've got three investment properties, a duplex and a single level. Yes. Yes. That's still being thought about.\n\nNo. That will be a question for my wife. Yeah. All I can tell you is that they pay for themselves. Mutual.\n\nThe more neutral learning more neutral learning. Yes. Yes. It's yes. Basically, the same.\n\nNo. Yes. I wouldn't even know what to ask, So that's a no. No. I haven't given it too much thought.\n\nWhat would you recommend? Yes. Yeah. Not a lot. If the engine wouldn't either.\n\nNo. We can't no. We no. We both contribute. Yeah.\n\nI'm I haven't got any k. Read away. Yes. No. No.\n\nI just we don't. No. Definitely. I haven't grown any or shrunk any. Well, maybe it's shrunk a little bit, but yes.\n\nNo. I've not put over punch weight on. Being a middle aged person, you can attend to. Yeah. Yeah.\n\n'9 lovely and Tiffany then. So so why don't you go if it if you're happy with it, I'm happy with it. Well, I can do that. I just won't be spending too much attention on it. Sounds good.\n\nNo questions whatsoever. Alright. Cool. You too. Take care.\n\nBye.","paragraphs":[{"sentences":[{"text":"Talking to Craig.","start":1.52,"end":2.5,"sentiment":"neutral","sentiment_score":0.03472154587507248},{"text":"Doing good.","start":6.96,"end":7.52,"sentiment":"positive","sentiment_score":0.6293925344944},{"text":"And you?","start":7.52,"end":8.1,"sentiment":"positive","sentiment_score":0.34494373202323914},{"text":"Busy.","start":16.375,"end":16.875,"sentiment":"positive","sentiment_score":0.3951988220214844},{"text":"Nine.","start":21.175,"end":21.675,"sentiment":"neutral","sentiment_score":0.1247023269534111}],"sentiment":"neutral","sentiment_score":0.28585981329282123,"num_words":9,"start":1.52,"end":21.675},{"sentences":[{"text":"It's Craig Bonfield.","start":58.9,"end":60.760002,"sentiment":"neutral","sentiment_score":0.04766989996035894},{"text":"27 Joseph Street, Neona, New South Wales Two '5.","start":61.460003,"end":73.095,"sentiment":"neutral","sentiment_score":0.05694249572439326},{"text":"03/18/1972.","start":73.095,"end":75.515,"sentiment":"neutral","sentiment_score":0.019981974735856056},{"text":"Fine.","start":132.435,"end":132.935,"sentiment":"neutral","sentiment_score":0.1163836121559143},{"text":"Although, my wife is in a thin position, and our sleep is doing better.","start":133.075,"end":137.015,"sentiment":"negative","sentiment_score":-0.3739515266248158}],"sentiment":"neutral","sentiment_score":-0.15869512944482267,"num_words":28,"start":58.9,"end":137.015},{"sentences":[{"text":"Hang on So my wife's in a similar position or was, and her super is doing better.","start":140.83499,"end":157.86,"sentiment":"neutral","sentiment_score":-0.18398509919643402},{"text":"I've got no I've got no idea because I'm not in that realm.","start":196.595,"end":200.69499,"sentiment":"negative","sentiment_score":-0.4248820634988638},{"text":"She's in she's in a and p.","start":225.255,"end":228.63501,"sentiment":"neutral","sentiment_score":0.1323577601994787},{"text":"Because there was there was a downward turn that we sort of, like, did for oh, and then it went back up.","start":253.915,"end":261.03,"sentiment":"neutral","sentiment_score":-0.22458006102930417},{"text":"So and then it just shot up from 200,000 to something to 400,000 and something.","start":263.25,"end":270.15,"sentiment":"neutral","sentiment_score":-0.16596991320451102}],"sentiment":"neutral","sentiment_score":-0.20479755717757586,"num_words":74,"start":140.83499,"end":270.15},{"sentences":[{"text":"So where mine seems to have just coasted.","start":274.345,"end":277.885,"sentiment":"neutral","sentiment_score":-0.2767693269997835},{"text":"She's probably like me.","start":288.07,"end":288.95,"sentiment":"neutral","sentiment_score":-0.11114319413900375},{"text":"It goes, alright.","start":288.95,"end":289.91,"sentiment":"neutral","sentiment_score":-0.03601604172339042},{"text":"We need to give you a super there you go.","start":289.91,"end":292.39,"sentiment":"neutral","sentiment_score":0.008368318900465965},{"text":"We suggest AMP.","start":292.39,"end":293.43,"sentiment":"neutral","sentiment_score":0.04688429335753123}],"sentiment":"neutral","sentiment_score":-0.09080140888025719,"num_words":28,"start":274.345,"end":293.43},{"sentences":[{"text":"Thank you very much.","start":293.43,"end":294.49002,"sentiment":"positive","sentiment_score":0.7446058541536331},{"text":"That's it.","start":295.11002,"end":295.77002,"sentiment":"neutral","sentiment_score":0.20920507609844208},{"text":"I don't think there are too many people that know the ins and outs and what's good and what's not.","start":297.065,"end":301.625,"sentiment":"neutral","sentiment_score":-0.10196630656719208},{"text":"It's just the thing that you have to do for when you go.","start":301.625,"end":305.725,"sentiment":"neutral","sentiment_score":-0.02309610379429964},{"text":"Sounds good.","start":354.905,"end":355.725,"sentiment":"positive","sentiment_score":0.4989100396633148}],"sentiment":"neutral","sentiment_score":0.050123857743129496,"num_words":41,"start":293.43,"end":355.725},{"sentences":[{"text":"Sounds good.","start":406.88998,"end":407.71,"sentiment":"positive","sentiment_score":0.43044646084308624},{"text":"Oh, man.","start":462.745,"end":463.305,"sentiment":"neutral","sentiment_score":-0.10419641435146332},{"text":"You can do I don't care, to be honest.","start":463.305,"end":467.965,"sentiment":"negative","sentiment_score":-0.33745265669292873},{"text":"Just do what you need to do.","start":468.345,"end":469.965,"sentiment":"neutral","sentiment_score":-0.19154104590415955},{"text":"Okay.","start":490.13998,"end":490.38,"sentiment":"neutral","sentiment_score":0.15239588916301727}],"sentiment":"neutral","sentiment_score":-0.17014120235329583,"num_words":21,"start":406.88998,"end":490.38},{"sentences":[{"text":"Yeah.","start":490.38,"end":490.88,"sentiment":"neutral","sentiment_score":0.1524488925933838},{"text":"My, basically, we've got three investment properties, a duplex and a single level.","start":519.46,"end":528.725,"sentiment":"neutral","sentiment_score":0.04786424725674666},{"text":"Yes.","start":547.56,"end":548.06,"sentiment":"neutral","sentiment_score":0.0420755073428154},{"text":"Yes.","start":548.12,"end":548.6,"sentiment":"neutral","sentiment_score":0.026198241859674457},{"text":"That's still being thought about.","start":548.6,"end":552.125,"sentiment":"neutral","sentiment_score":-0.03408676460385322}],"sentiment":"neutral","sentiment_score":0.03202495395782448,"num_words":21,"start":490.38,"end":552.125},{"sentences":[{"text":"No.","start":566.38,"end":566.62,"sentiment":"neutral","sentiment_score":-0.1379011571407318},{"text":"That will be a question for my wife.","start":566.62,"end":568.56,"sentiment":"neutral","sentiment_score":-0.15754399541765451},{"text":"Yeah.","start":573.18,"end":573.68,"sentiment":"neutral","sentiment_score":-0.014486409723758698},{"text":"All I can tell you is that they pay for themselves.","start":581.995,"end":584.33496,"sentiment":"neutral","sentiment_score":0.00802417133342136},{"text":"Mutual.","start":591.64996,"end":592.14996,"sentiment":"neutral","sentiment_score":0.04223497584462166}],"sentiment":"neutral","sentiment_score":-0.05828357589515773,"num_words":22,"start":566.38,"end":592.14996},{"sentences":[{"text":"The more neutral learning more neutral learning.","start":592.20996,"end":595.91,"sentiment":"neutral","sentiment_score":0.051900673391563554},{"text":"Yes.","start":603.935,"end":604.435,"sentiment":"neutral","sentiment_score":0.09325605630874634},{"text":"Yes.","start":613.535,"end":614.035,"sentiment":"neutral","sentiment_score":0.0308823399245739},{"text":"It's yes.","start":625.97003,"end":626.87006,"sentiment":"neutral","sentiment_score":0.061297670006752014},{"text":"Basically, the same.","start":627.25,"end":628.47003,"sentiment":"neutral","sentiment_score":0.07517351706822713}],"sentiment":"neutral","sentiment_score":0.05968278579946075,"num_words":14,"start":592.20996,"end":628.47003},{"sentences":[{"text":"No.","start":655.83997,"end":656.33997,"sentiment":"neutral","sentiment_score":-0.1299472451210022},{"text":"Yes.","start":664.29504,"end":664.79504,"sentiment":"neutral","sentiment_score":0.04503098130226135},{"text":"I wouldn't even know what to ask, So that's a no.","start":677.65,"end":696.745,"sentiment":"neutral","sentiment_score":0.005458235740661621},{"text":"No.","start":732.94995,"end":733.44995,"sentiment":"neutral","sentiment_score":-0.27533578872680664},{"text":"I haven't given it too much thought.","start":852.16003,"end":854.18005,"sentiment":"negative","sentiment_score":-0.4718230792454311}],"sentiment":"neutral","sentiment_score":-0.17157014352934702,"num_words":21,"start":655.83997,"end":854.18005},{"sentences":[{"text":"What would you recommend?","start":866.415,"end":867.71497,"sentiment":"neutral","sentiment_score":-0.2779860496520996},{"text":"Yes.","start":940.5,"end":940.785,"sentiment":"neutral","sentiment_score":0.07224340736865997},{"text":"Yeah.","start":943.345,"end":943.845,"sentiment":"neutral","sentiment_score":0.1089046373963356},{"text":"Not a lot.","start":968.07,"end":968.97003,"sentiment":"negative","sentiment_score":-0.49825213352839154},{"text":"If the engine wouldn't either.","start":969.11005,"end":971.115,"sentiment":"negative","sentiment_score":-0.46861637234687803}],"sentiment":"negative","sentiment_score":-0.34061674401164055,"num_words":14,"start":866.415,"end":971.115},{"sentences":[{"text":"No.","start":978.375,"end":978.875,"sentiment":"neutral","sentiment_score":-0.1494317352771759},{"text":"We can't no.","start":978.935,"end":979.895,"sentiment":"neutral","sentiment_score":-0.2733650455872218},{"text":"We no.","start":979.895,"end":980.775,"sentiment":"neutral","sentiment_score":-0.2766372114419937},{"text":"We both contribute.","start":980.775,"end":982.71,"sentiment":"neutral","sentiment_score":-0.13996173441410065},{"text":"Yeah.","start":998.90497,"end":999.40497,"sentiment":"neutral","sentiment_score":-0.1969318836927414}],"sentiment":"neutral","sentiment_score":-0.2139618381857872,"num_words":10,"start":978.375,"end":999.40497},{"sentences":[{"text":"I'm I haven't got any k.","start":999.865,"end":1003.785,"sentiment":"negative","sentiment_score":-0.4600182871023814},{"text":"Read away.","start":1003.785,"end":1004.52496,"sentiment":"negative","sentiment_score":-0.35364650189876556},{"text":"Yes.","start":1115.505,"end":1116.005,"sentiment":"neutral","sentiment_score":0.11358751356601716},{"text":"No.","start":1133.45,"end":1133.95,"sentiment":"neutral","sentiment_score":-0.1139773726463318},{"text":"No.","start":1135.13,"end":1135.63,"sentiment":"neutral","sentiment_score":-0.15985816717147827}],"sentiment":"neutral","sentiment_score":-0.32978643206032837,"num_words":11,"start":999.865,"end":1135.63},{"sentences":[{"text":"I just we don't.","start":1135.85,"end":1137.07,"sentiment":"neutral","sentiment_score":-0.1396043784916401},{"text":"No.","start":1140.3551,"end":1140.755,"sentiment":"neutral","sentiment_score":-0.15261459350585938},{"text":"Definitely.","start":1140.755,"end":1141.255,"sentiment":"neutral","sentiment_score":-0.1610783338546753},{"text":"I haven't grown any or shrunk any.","start":1141.3151,"end":1143.895,"sentiment":"neutral","sentiment_score":-0.3117144618715559},{"text":"Well, maybe it's shrunk a little bit, but yes.","start":1148.435,"end":1150.675,"sentiment":"neutral","sentiment_score":-0.09760899717609088}],"sentiment":"neutral","sentiment_score":-0.17875421131876382,"num_words":22,"start":1135.85,"end":1150.675},{"sentences":[{"text":"No.","start":1150.675,"end":1151.07,"sentiment":"neutral","sentiment_score":-0.09573841094970705},{"text":"I've not put over punch weight on.","start":1152.0299,"end":1156.13,"sentiment":"neutral","sentiment_score":-0.12903548351355962},{"text":"Being a middle aged person, you can attend to.","start":1157.87,"end":1161.09,"sentiment":"neutral","sentiment_score":-0.01971590994960732},{"text":"Yeah.","start":1170.855,"end":1171.355,"sentiment":"neutral","sentiment_score":0.04375552758574486},{"text":"Yeah.","start":1173.415,"end":1173.915,"sentiment":"neutral","sentiment_score":0.0942142903804779}],"sentiment":"neutral","sentiment_score":-0.05465579826972986,"num_words":19,"start":1150.675,"end":1173.915},{"sentences":[{"text":"'9 lovely and Tiffany then.","start":1215.15,"end":1217.755,"sentiment":"positive","sentiment_score":0.47059056758880613},{"text":"So so why don't you go if it if you're happy with it, I'm happy with it.","start":1219.575,"end":1225.835,"sentiment":"neutral","sentiment_score":0.206240587593878},{"text":"Well, I can do that.","start":1233.0599,"end":1234.28,"sentiment":"neutral","sentiment_score":0.022678085044026373},{"text":"I just won't be spending too much attention on it.","start":1235.78,"end":1240.36,"sentiment":"neutral","sentiment_score":-0.25146394968032837},{"text":"Sounds good.","start":1299.815,"end":1300.635,"sentiment":"positive","sentiment_score":0.7704930901527405}],"sentiment":"neutral","sentiment_score":0.12817384450672528,"num_words":39,"start":1215.15,"end":1300.635},{"sentences":[{"text":"No questions whatsoever.","start":1303.895,"end":1305.275,"sentiment":"neutral","sentiment_score":-0.048309563348690666},{"text":"Alright.","start":1317.7001,"end":1318.2001,"sentiment":"positive","sentiment_score":0.4287606477737427},{"text":"Cool.","start":1318.26,"end":1318.6349,"sentiment":"positive","sentiment_score":0.6309667825698853},{"text":"You too.","start":1322.8749,"end":1323.5149,"sentiment":"positive","sentiment_score":0.6849865317344666},{"text":"Take care.","start":1323.5149,"end":1324.1749,"sentiment":"positive","sentiment_score":0.6118007898330688}],"sentiment":"positive","sentiment_score":0.3898192648258474,"num_words":9,"start":1303.895,"end":1324.1749},{"sentences":[{"text":"Bye.","start":1324.9548,"end":1325.4548,"sentiment":"positive","sentiment_score":0.357366144657135}],"sentiment":"positive","sentiment_score":0.357366144657135,"num_words":1,"start":1324.9548,"end":1325.4548}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Talking to Craig.\n\nChannel 0: Hi. Good afternoon, Craig. Larissa from Oaktree Financial. How are you going?\n\nChannel 1: Doing good. And you?\n\nChannel 0: Yeah. Not bad. Thank you. It's a lovely Thursday afternoon, so we can't complain too much. How's the day\n\nChannel 1: Busy.\n\nChannel 0: been? It never never eases, does it?\n\nChannel 1: Nine.\n\nChannel 0: That's okay. Well, the reason for my call today was to go through your annual review and ultimately be able to establish whether there was any, like, a new advice or where things were sitting. Now just before I do jump into things, I do need to let you know that our calls are recorded. And if I could just get you confirmed security for me, it's just your full name, date of birth, and address.\n\nChannel 1: It's Craig Bonfield. 27 Joseph Street, Neona, New South Wales\n\nChannel 0: Perfect.\n\nChannel 1: Two\n\nChannel 0: And just your just your date of birth as well?\n\nChannel 1: '5. 03/18/1972.\n\nChannel 0: Perfect. Thank you for that. Okay. So, basically speaking, the reason, as I said, I wanted to call and go through everything was just to be able to, I guess, establish where things were sitting for you, whether there was any updates to your to your position, and and whether there was sort of, I guess, any appropriate advice that we could pick up given your your current circumstances, make sure that everything that we have on file at the moment is still appropriate and go from there. So I guess how's how's the last sort of twelve months been going for you?\n\nChannel 1: Fine. Although, my wife is in a thin position, and our sleep is doing better.\n\nChannel 0: Sorry. Your wife's in a\n\nChannel 1: Hang on So my wife's in a similar position or was, and her super is doing better.\n\nChannel 0: Okay. And that's, I guess, a lot of part, like, part and parcel of what I wanna go through with you because I can like, I have identified that there are probably a few changes that we can make to some of the investments that you hold underlying to like, within your account to be able to diversify out a little bit more, establish a little bit more in terms of investment growth as well. But that's obviously, I guess, depending on where you wanted to head, what you wanted to do, and and how we, like, approach that. But I\n\nChannel 1: I've\n\nChannel 0: can\n\nChannel 1: got\n\nChannel 0: definitely\n\nChannel 1: no I've got no\n\nChannel 0: yes.\n\nChannel 1: idea because I'm not in that realm.\n\nChannel 0: No. That's okay. That's that's sort of where I come in. But I guess, first and foremost, before we jump into that side of things, which I'm happy to address, and I'm also happy to like, I can have a look at, like, alternative funds or index funds or, you know, if you know what superannuation fund you're watching, I can have a look at the investment offerings\n\nChannel 1: She's\n\nChannel 0: under that\n\nChannel 1: in\n\nChannel 0: account to see\n\nChannel 1: she's in a and p.\n\nChannel 0: do you know which of the AMP products she's in? I thought it might be a bit of a tall order. No. That's okay. Look.\n\nAMP don't really have too too many products anymore. They've they've reduced the number of products that they hold. So I I'll be able to sort of have a look across the board and and work from there anyway.\n\nChannel 1: Because there was there was a downward turn that we sort of, like, did for oh, and then it went back up. So and then it just shot up from 200,000 to something to 400,000 and something. So where mine seems to have just coasted.\n\nChannel 0: And this is with your your wife? Can I ask, is she doing anything different to yourself that you know of?\n\nChannel 1: She's probably like me. It goes, alright. We need to give you a super there you go. We suggest AMP. Thank you very much.\n\nThat's it. I don't think there are too many people that know the ins and outs and what's good and what's not. It's just the thing that you have to do for when you go.\n\nChannel 0: Yeah. Yeah. That's okay. Like, there there is an an asset in your fund that I do wanna look at getting, like, offload offloading. The asset itself was doing really, really well, and it has performed previously while you've held it.\n\nBut it just hasn't sort of bounced back with the market on the back of some of those downturns that we've experienced this year. And I'm wanting to kind of look at offloading that. It's an Australian equities asset, so it's Australian stocks. And I'm wanting to offload that and rediversify into something still Australian. So it's still national stocks, but just something that's gonna give us a little bit more in terms of returns moving forward to get that growth.\n\nChannel 1: Sounds good.\n\nChannel 0: Cool. Outside of that, there's one of the other assets that I do really wanna look at is what's called a banking hybrid asset. So banking hybrids are available in all index funds. So your your wife would very much be probably be invested in them as well in any sort of index investment that she may hold if she does. And, ultimately, they've actually legislatively been phased out over the next five years.\n\nAnd what that means is that, theoretically, closer to the five year time frame, there is actually more of a significant chance that those are gonna take a bit of a downward spiral. So what I wanna do is I wanna remove them out of the portfolio now before we solidify any losses later on. We'd rather keep the gains that we've made, so to speak.\n\nChannel 1: Sounds good.\n\nChannel 0: Cool. So I do wanna focus my, like, my my focus on those on some of the underlying investment, make some changes to where the assets sit in respect to the way the economy has moved, the way things are changing. But I guess in terms of investments, I guess one of the things you said just before did trigger something for me that I guess you would like to be a little bit more hands off, not really a lot of knowledge with regards to the underlying investment side of things. Do you want us to do you want me to look at a sort of investment style that would allow allow us to take the wheel a little bit more? Because currently because we recommend the very specific asset split that we do.\n\nSo each of the holdings that you have for which you have eight different assets, we've recommended those specific holdings. So anytime we wanna make a change, it's a phone call, it's\n\nChannel 1: Oh,\n\nChannel 0: a\n\nChannel 1: man.\n\nChannel 0: document,\n\nChannel 1: You can\n\nChannel 0: a little\n\nChannel 1: do\n\nChannel 0: bit of a delay.\n\nChannel 1: I don't care, to be honest. Just do what you need to do.\n\nChannel 0: No. That's okay. Alright. Well, what I'll look at is I'll look at maybe a little bit of a what's called, like, an SMA blend where I can incorporate it all. And that way, we're able to kind of make a little bit more of the investment changes ourselves in a little bit more of a timely manner for you moving forward.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: Yeah. Alright. Cool. Well, now that we I guess we've touched on that side of things, can I ask with respect to, I guess, the goals that you're personally working towards, either personal, financial, your position as a whole, what are you currently sort of looking to achieve? I know that you previously have stated that you wanted to sort of look at being in a position of purchasing an investment property in the next sort of forty five four to five years.\n\nChannel 1: My, basically, we've got three investment properties, a duplex and a single level.\n\nChannel 0: No. Yeah. No. Yeah. I knew I knew that you had the the three properties, but I I knew that you had the properties.\n\nI just I had down from the last time you like, last year when you spoke to us that you were wanting to possibly look at purchasing another.\n\nChannel 1: Yes. Yes. That's still being thought about.\n\nChannel 0: Okay. Well, can I ask, do you know where your equity sits at the moment? Like, do you know what your your residence value is and what the investment property value and debts are\n\nChannel 1: No. That will be a question for my wife.\n\nChannel 0: at? She's the one that sort of looks after it all.\n\nChannel 1: Yeah.\n\nChannel 0: No. That's okay. Do you know what your mortgage sits at or not sure?\n\nChannel 1: All I can tell you is that they pay for themselves.\n\nChannel 0: Do they earn a bit of an income or are they pretty neutral? So money\n\nChannel 1: Mutual. The more neutral\n\nChannel 0: in, money\n\nChannel 1: learning more neutral learning.\n\nChannel 0: out. Cool. Alright. Well, that's okay. So, basically, money comes in, money goes out, it pays for itself, but it's equity sitting there.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. And the last record I had was that your primary residence mortgage was fully offset. Is that still the case?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. And we only had a pretty minimal amount. Last time, it was about a $150,000, but I assume it would be a little bit less at this point.\n\nChannel 1: It's yes. Basically, the same.\n\nChannel 0: Alright. Perfect. And then we have the the two vehicles. Are there any other assets we haven't listed? Has it had it?\n\nNo. That's okay. So do you know by any chance what you purchased each of the properties for on a rough guess?\n\nChannel 1: No.\n\nChannel 0: No. That's okay. I I know that your partner manages all of it, so it's a bit bit of a guessing game if I was to ask you.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. No. That's absolutely absolutely okay. Okay. Well, is there anything that you wanna specifically look into advice wise in the realm of\n\nChannel 1: I wouldn't\n\nChannel 0: cash\n\nChannel 1: even know what to ask, So that's\n\nChannel 0: okay. No. That's okay. Would you want to maybe look at getting your wife\n\nChannel 1: a\n\nChannel 0: together and having a bit more of a diversified chat with her as well.\n\nChannel 1: no.\n\nChannel 0: No. No. That's okay. Alright. Absolutely no stress.\n\nSo in the realm of your position overall, like, obviously, you have your superannuation fund with HUB24, and then you also have your insurance policy with TAO. Now with regards to your TAL insurance policy, just to, I guess, ask, do you remember or know what it covers you for?\n\nChannel 1: No.\n\nChannel 0: No. That's okay. So when I'm talking about the insurance, I'm talking about, like, it's personal insurance. So it covers you in the event that you you yourself were unable to injured, passed away, anything like that. So your policy covers $837,827, so $83,782.07.\n\nAnd the policy covers you under a life insurance benefit, meaning that if you passed away, you your family would be entitled to just shy of 840,000. And then there's an additional benefit under what's called total and permanent disability, which means if you were never able to work again because of illness or injury, then the same amount, so $8,378.27, is payable to yourself in that event. Now given where things are at, I I know that the policy has increased a little bit since it has was originally put in place. The premium for the policy is $3,587 for the year. Do you wanna look at possibly having a look at where the policy sits right now, see if there's anything on the market that we could look at to price match, beat it, have have it cheaper, and or alternatively looking at decreasing the policy a lit little bit to be in line with where things fit now.\n\nSo in the event that you were never able to work again, what is it that you would want that money to go towards? Is it that you want the money to pay out majority of, like, the investment mortgage so that way there is a income to support the family?\n\nChannel 1: I haven't given it too much thought.\n\nChannel 0: Yeah. It's a bit of a hard question. I know.\n\nChannel 1: What would you recommend?\n\nChannel 0: So based on your income, which I have sitting at around the $71,500 mark, providing that's still accurate, then what that policy is giving you is it giving you over ten years worth of nearly twelve years worth of your income to basically be able to support the family. So that would be twelve years worth of income that the family is gonna be able to survive on and go from there. If you take into consideration the fact that your mortgage is basically, your PPR is already paid for because you've got the money sitting in offset and the investment properties are neutrally geared. It's a matter of, I guess, establishing what does your income pay for within your family and whether there is a, I guess, massive need for twelve years worth of your income. So, for example, say, if you were not working anymore, does your wife's income support like, I know your your kids are are teenagers, so your eldest would be 18.\n\nChannel 1: Yes.\n\nChannel 0: Youngest, 16.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. So that 16 and 18 were on the on the tail end of high school and and schooling. So, obviously, you wanna try and get them through schooling, definitely. But once the kids are through schooling, it's a bit of a question as to what what your wife would need support with financially.\n\nChannel 1: Not a lot. If the engine wouldn't either.\n\nChannel 0: Okay. So is it is it a matter of sort of I guess your money is more play money, while\n\nChannel 1: No.\n\nChannel 0: hers\n\nChannel 1: We\n\nChannel 0: is\n\nChannel 1: can't\n\nChannel 0: bill\n\nChannel 1: no.\n\nChannel 0: paid?\n\nChannel 1: We no. We both contribute.\n\nChannel 0: Yeah. No. Not not trying to deny that that the all the money's used. But I guess at the moment with the kids being on the younger side, it's definitely needed.\n\nChannel 1: Yeah. I'm I haven't got any k. Read away.\n\nChannel 0: Okay. Well, what I can do is I I can sort of have a look and quote up some lower premiums, go to market, and see whether it's providers that have a bit of a cheaper offering at on cover to see whether there's a a an avenue that way that we can look at decreasing some of the premiums to better suit where things are at. Because I think, like, you're in a really good position financially. Like, you've got the investment properties and they're neutral, so there's not a lot needing to go into them because, as you said, they're paying for themselves. The mortgage is paid off.\n\nWe don't have any I understand we have debts, obviously, but, you know, they're they're paying for themselves quite nicely at the moment. So what I can do is have a look at some alternatives, and, I guess, it's a a a matter of opening the conversation with your wife to say, hey. My insurance policy covers this. Do how much do you think we actually need? Because twelve years worth of your income, it's not it's not unreasonable.\n\nDon't get me wrong. But I also don't wanna be paying for more than we need because the whole point is we're wanting to you to get to the point of actually being at retirement and not always paying for a insurance policy. Insurance policies are basically a thing that you pay for that you hope you never have to claim. It's the same thing on our house. While we pay for house insurance, we actually hope we never have to put a claim in because they're an absolute pain to go through.\n\nThe downside with this one means we're no longer working or we've this this left the earth. So I just sort of wanna make sure that we are being appropriate. We're not overinsuring as well as obviously not underinsuring.\n\nChannel 1: Yes.\n\nChannel 0: So I'll have a look at some quotes, go to other insurers, and see whether there's anything appropriate on market that I can look at as well. May I just ask, has anything changed with your health or lifestyle since the policy went in place? We haven't\n\nChannel 1: No.\n\nChannel 0: picked up smoking, excessive\n\nChannel 1: No.\n\nChannel 0: drinking,\n\nChannel 1: I just we don't.\n\nChannel 0: no height or weight change at all?\n\nChannel 1: No. Definitely. I haven't grown any or shrunk any.\n\nChannel 0: Yeah. It's the shrinking sometimes that hits us.\n\nChannel 1: Well, maybe\n\nChannel 0: And\n\nChannel 1: it's\n\nChannel 0: then\n\nChannel 1: shrunk a little bit, but yes. No. I've not put over punch weight on. Being a middle aged person, you can attend to.\n\nChannel 0: and yeah. No. No. That's perfect. And then I have that we have a diagnosis of diverticulitis and asthma\n\nChannel 1: Yeah.\n\nChannel 0: that are both controlled.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Perfect. No. That's amazing. Now I guess outside of that so what I'll focus my attention on is review of the the underlying asset, look at some different investment modeling, and then look at some insurance.\n\nI'll go and do the research, come back to you with outcomes from there. Would next would sort of two weeks from now be appropriate for us to meet, and I can go through the facts and figures when I have them available. Would Wednesday, the thirtieth, be okay?\n\nChannel 1: '9 lovely and Tiffany then.\n\nChannel 0: Okay. Is\n\nChannel 1: So so why don't you go if it if you're happy with it, I'm happy with it.\n\nChannel 0: I I can put everything together, and I can send it to you. I need you to still sign off on it for me to\n\nChannel 1: Well,\n\nChannel 0: implement\n\nChannel 1: I can do\n\nChannel 0: it.\n\nChannel 1: that.\n\nChannel 0: But yep.\n\nChannel 1: I just won't be spending too much attention on it.\n\nChannel 0: Okay. Alright. That's okay. Alright. Well, I'll go ahead and get some facts and figures pulled up, and I will go from there and get everything in place.\n\nAlright. Perfect. Well, for today, I do have a, like, a review pack that I am sending you. And inside that pack, it has, like, a summary of where your insurance is, a summary of where your super sits. It has what's called an investment index chart.\n\nSo it just got over the last thirty years how different asset classes have grown. And then it also got our ongoing service agreement, so that way you're able to stay a client of Oakview. So what I'll do is I will send that through to you so you're able to review it and authorize it. And from there, what I will get all of the information emailed through to you within the next two weeks.\n\nChannel 1: Sounds good.\n\nChannel 0: Alright. Did you have any questions at all for me, Greg?\n\nChannel 1: No questions whatsoever.\n\nChannel 0: Okay. Well, if you do, please feel free to, give us a call, send me an email, and I'm happy to address them. But, otherwise, I'll get that all through to you as quick as I am able.\n\nChannel 1: Alright. Cool.\n\nChannel 0: Alright. Perfect, Craig. You have a absolutely lovely afternoon.\n\nChannel 1: You too. Take care.\n\nChannel 0: You\n\nChannel 1: Bye.\n\nChannel 0: too. Bye.","paragraphs":[{"sentences":[{"text":"Talking to Craig.","start":1.52,"end":2.5,"sentiment":"neutral","sentiment_score":0.03472154587507248}],"sentiment":"neutral","sentiment_score":0.03472154587507248,"channel":1,"num_words":3,"start":1.52,"end":2.5},{"sentences":[{"text":"Hi.","start":3.36,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.22418668866157532},{"text":"Good afternoon, Craig.","start":3.6799998,"end":4.64,"sentiment":"positive","sentiment_score":0.46988967061042786},{"text":"Larissa from Oaktree Financial.","start":4.64,"end":6.08,"sentiment":"positive","sentiment_score":0.42144693434238434},{"text":"How are you going?","start":6.08,"end":6.8999996,"sentiment":"positive","sentiment_score":0.3965506851673126}],"sentiment":"positive","sentiment_score":0.4088205148776372,"channel":0,"num_words":12,"start":3.36,"end":6.8999996},{"sentences":[{"text":"Doing good.","start":6.96,"end":7.52,"sentiment":"positive","sentiment_score":0.6293925344944},{"text":"And you?","start":7.52,"end":8.1,"sentiment":"positive","sentiment_score":0.34494373202323914}],"sentiment":"positive","sentiment_score":0.4871681332588196,"channel":1,"num_words":4,"start":6.96,"end":8.1},{"sentences":[{"text":"Yeah.","start":8.48,"end":8.8,"sentiment":"neutral","sentiment_score":0.3267096281051636},{"text":"Not bad.","start":8.8,"end":9.5199995,"sentiment":"positive","sentiment_score":0.5055660009384155},{"text":"Thank you.","start":9.5199995,"end":10.24,"sentiment":"positive","sentiment_score":0.768789678812027},{"text":"It's a lovely Thursday afternoon, so we can't complain too much.","start":10.24,"end":14.445,"sentiment":"positive","sentiment_score":0.7243946140462701},{"text":"How's the day","start":14.445,"end":15.344999,"sentiment":"neutral","sentiment_score":0.29042766491572064}],"sentiment":"positive","sentiment_score":0.6165813019401148,"channel":0,"num_words":19,"start":8.48,"end":15.344999},{"sentences":[{"text":"Busy.","start":16.375,"end":16.875,"sentiment":"positive","sentiment_score":0.3951988220214844}],"sentiment":"positive","sentiment_score":0.3951988220214844,"channel":1,"num_words":1,"start":16.375,"end":16.875},{"sentences":[{"text":"been?","start":16.845,"end":17.345,"sentiment":"neutral","sentiment_score":0.20130108296871185},{"text":"It never never eases, does it?","start":18.845,"end":20.865,"sentiment":"neutral","sentiment_score":0.27480247616767883}],"sentiment":"neutral","sentiment_score":0.26430227713925497,"channel":0,"num_words":7,"start":16.845,"end":20.865},{"sentences":[{"text":"Nine.","start":21.175,"end":21.675,"sentiment":"neutral","sentiment_score":0.1247023269534111}],"sentiment":"neutral","sentiment_score":0.1247023269534111,"channel":1,"num_words":1,"start":21.175,"end":21.675},{"sentences":[{"text":"That's okay.","start":24.125,"end":25.025,"sentiment":"neutral","sentiment_score":0.25167664885520935},{"text":"Well, the reason for my call today was to go through your annual review and ultimately be able to establish whether there was any, like, a new advice or where things were sitting.","start":25.724998,"end":40.4,"sentiment":"neutral","sentiment_score":0.07042487405917862},{"text":"Now just before I do jump into things, I do need to let you know that our calls are recorded.","start":41.739998,"end":51.545,"sentiment":"neutral","sentiment_score":0.029237139131873847},{"text":"And if I could just get you confirmed security for me, it's just your full name, date of birth, and address.","start":51.605,"end":56.504997,"sentiment":"neutral","sentiment_score":0.0840555207715148}],"sentiment":"neutral","sentiment_score":0.06812214290135,"channel":0,"num_words":76,"start":24.125,"end":56.504997},{"sentences":[{"text":"It's Craig Bonfield.","start":58.9,"end":60.760002,"sentiment":"neutral","sentiment_score":0.04766989996035894},{"text":"27 Joseph Street, Neona, New South Wales","start":61.460003,"end":66.76,"sentiment":"neutral","sentiment_score":0.06481807093535151}],"sentiment":"neutral","sentiment_score":0.05967361964285374,"channel":1,"num_words":10,"start":58.9,"end":66.76},{"sentences":[{"text":"Perfect.","start":68.11,"end":68.61,"sentiment":"neutral","sentiment_score":0.2524263262748718}],"sentiment":"neutral","sentiment_score":0.2524263262748718,"channel":0,"num_words":1,"start":68.11,"end":68.61},{"sentences":[{"text":"Two","start":68.295,"end":68.795,"sentiment":"neutral","sentiment_score":0.04976002126932144}],"sentiment":"neutral","sentiment_score":0.04976002126932144,"channel":1,"num_words":1,"start":68.295,"end":68.795},{"sentences":[{"text":"And just your just your date of birth as well?","start":68.67,"end":72.21,"sentiment":"neutral","sentiment_score":0.06090344376862049}],"sentiment":"neutral","sentiment_score":0.06090344376862049,"channel":0,"num_words":10,"start":68.67,"end":72.21},{"sentences":[{"text":"'5.","start":72.935,"end":73.095,"sentiment":"neutral","sentiment_score":0.008995943702757359},{"text":"03/18/1972.","start":73.095,"end":75.515,"sentiment":"neutral","sentiment_score":0.019981974735856056}],"sentiment":"neutral","sentiment_score":0.014488959219306707,"channel":1,"num_words":2,"start":72.935,"end":75.515},{"sentences":[{"text":"Perfect.","start":76.135,"end":76.615,"sentiment":"positive","sentiment_score":0.5658949017524719},{"text":"Thank you for that.","start":76.615,"end":77.755,"sentiment":"positive","sentiment_score":0.7529577016830444},{"text":"Okay.","start":84.295,"end":84.795,"sentiment":"neutral","sentiment_score":0.30028197169303894},{"text":"So, basically speaking, the reason, as I said, I wanted to call and go through everything was just to be able to, I guess, establish where things were sitting for you, whether there was any updates to your to your position, and and whether there was sort of, I guess, any appropriate advice that we could pick up given your your current circumstances, make sure that everything that we have on file at the moment is still appropriate and go from there.","start":85.259995,"end":124.380005,"sentiment":"neutral","sentiment_score":0.15820008498139498},{"text":"So I guess how's how's the last sort of twelve months been going for you?","start":125.4,"end":130.725,"sentiment":"neutral","sentiment_score":0.09639762341976166}],"sentiment":"neutral","sentiment_score":0.17763474757231554,"channel":0,"num_words":103,"start":76.135,"end":130.725},{"sentences":[{"text":"Fine.","start":132.435,"end":132.935,"sentiment":"neutral","sentiment_score":0.1163836121559143},{"text":"Although, my wife is in a thin position, and our sleep is doing better.","start":133.075,"end":137.015,"sentiment":"negative","sentiment_score":-0.3739515266248158}],"sentiment":"negative","sentiment_score":-0.34126251737276714,"channel":1,"num_words":15,"start":132.435,"end":137.015},{"sentences":[{"text":"Sorry.","start":138.24501,"end":138.74501,"sentiment":"neutral","sentiment_score":-0.2845734655857086},{"text":"Your wife's in a","start":138.96501,"end":140.005,"sentiment":"neutral","sentiment_score":-0.30585793405771255}],"sentiment":"neutral","sentiment_score":-0.30160104036331176,"channel":0,"num_words":5,"start":138.24501,"end":140.005},{"sentences":[{"text":"Hang on So my wife's in a similar position or was, and her super is doing better.","start":140.83499,"end":157.86,"sentiment":"neutral","sentiment_score":-0.18398509919643402}],"sentiment":"neutral","sentiment_score":-0.18398509919643402,"channel":1,"num_words":17,"start":140.83499,"end":157.86},{"sentences":[{"text":"Okay.","start":159.175,"end":159.675,"sentiment":"neutral","sentiment_score":-0.08621049672365189},{"text":"And that's, I guess, a lot of part, like, part and parcel of what I wanna go through with you because I can like, I have identified that there are probably a few changes that we can make to some of the investments that you hold underlying to like, within your account to be able to diversify out a little bit more, establish a little bit more in terms of investment growth as well.","start":160.375,"end":186.05,"sentiment":"neutral","sentiment_score":0.24696104047266212},{"text":"But that's obviously, I guess, depending on where you wanted to head, what you wanted to do, and and how we, like, approach that.","start":186.27,"end":192.815,"sentiment":"neutral","sentiment_score":0.07326268994559844},{"text":"But I","start":196.315,"end":196.63501,"sentiment":"neutral","sentiment_score":-0.14508557692170143}],"sentiment":"neutral","sentiment_score":0.19462415745647826,"channel":0,"num_words":101,"start":159.175,"end":196.63501},{"sentences":[{"text":"I've","start":196.595,"end":196.83499,"sentiment":"neutral","sentiment_score":-0.31436043977737427}],"sentiment":"neutral","sentiment_score":-0.31436043977737427,"channel":1,"num_words":1,"start":196.595,"end":196.83499},{"sentences":[{"text":"can","start":196.63501,"end":196.875,"sentiment":"neutral","sentiment_score":-0.33026617765426636}],"sentiment":"neutral","sentiment_score":-0.33026617765426636,"channel":0,"num_words":1,"start":196.63501,"end":196.875},{"sentences":[{"text":"got","start":196.83499,"end":197.155,"sentiment":"negative","sentiment_score":-0.3531685173511505}],"sentiment":"negative","sentiment_score":-0.3531685173511505,"channel":1,"num_words":1,"start":196.83499,"end":197.155},{"sentences":[{"text":"definitely","start":196.875,"end":197.375,"sentiment":"negative","sentiment_score":-0.4437643587589264}],"sentiment":"negative","sentiment_score":-0.4437643587589264,"channel":0,"num_words":1,"start":196.875,"end":197.375},{"sentences":[{"text":"no I've got no","start":197.155,"end":198.595,"sentiment":"negative","sentiment_score":-0.44502726197242737}],"sentiment":"negative","sentiment_score":-0.44502726197242737,"channel":1,"num_words":4,"start":197.155,"end":198.595},{"sentences":[{"text":"yes.","start":198.475,"end":198.975,"sentiment":"negative","sentiment_score":-0.4417538046836853}],"sentiment":"negative","sentiment_score":-0.4417538046836853,"channel":0,"num_words":1,"start":198.475,"end":198.975},{"sentences":[{"text":"idea because I'm not in that realm.","start":198.595,"end":200.69499,"sentiment":"negative","sentiment_score":-0.43940411720957073}],"sentiment":"negative","sentiment_score":-0.43940411720957073,"channel":1,"num_words":7,"start":198.595,"end":200.69499},{"sentences":[{"text":"No.","start":201.595,"end":201.835,"sentiment":"neutral","sentiment_score":-0.1460731029510498},{"text":"That's okay.","start":201.835,"end":202.715,"sentiment":"neutral","sentiment_score":0.004444163292646408},{"text":"That's that's sort of where I come in.","start":202.715,"end":205.01001,"sentiment":"neutral","sentiment_score":0.10908955335617065},{"text":"But I guess, first and foremost, before we jump into that side of things, which I'm happy to address, and I'm also happy to like, I can have a look at, like, alternative funds or index funds or, you know, if you know what superannuation fund you're watching, I can have a look at the investment offerings","start":206.83,"end":225.41501,"sentiment":"positive","sentiment_score":0.34536554755871757}],"sentiment":"neutral","sentiment_score":0.30031423325486045,"channel":0,"num_words":68,"start":201.595,"end":225.41501},{"sentences":[{"text":"She's","start":225.255,"end":225.755,"sentiment":"neutral","sentiment_score":0.16573627293109894}],"sentiment":"neutral","sentiment_score":0.16573627293109894,"channel":1,"num_words":1,"start":225.255,"end":225.755},{"sentences":[{"text":"under that","start":225.41501,"end":225.895,"sentiment":"neutral","sentiment_score":0.12411072850227356}],"sentiment":"neutral","sentiment_score":0.12411072850227356,"channel":0,"num_words":2,"start":225.41501,"end":225.895},{"sentences":[{"text":"in","start":225.815,"end":226.315,"sentiment":"neutral","sentiment_score":0.12176287174224854}],"sentiment":"neutral","sentiment_score":0.12176287174224854,"channel":1,"num_words":1,"start":225.815,"end":226.315},{"sentences":[{"text":"account to see","start":225.895,"end":226.695,"sentiment":"neutral","sentiment_score":0.13055513302485147}],"sentiment":"neutral","sentiment_score":0.13055513302485147,"channel":0,"num_words":3,"start":225.895,"end":226.695},{"sentences":[{"text":"she's in a and p.","start":227.01501,"end":228.63501,"sentiment":"neutral","sentiment_score":0.1278010353446007}],"sentiment":"neutral","sentiment_score":0.1278010353446007,"channel":1,"num_words":5,"start":227.01501,"end":228.63501},{"sentences":[{"text":"do you know which of the AMP products she's in?","start":230.15001,"end":232.81001,"sentiment":"neutral","sentiment_score":0.030872868187725545},{"text":"I thought it might be a bit of a tall order.","start":236.87001,"end":238.81001,"sentiment":"negative","sentiment_score":-0.4656925418160178},{"text":"No.","start":239.27,"end":239.43001,"sentiment":"neutral","sentiment_score":-0.3192020654678345},{"text":"That's okay.","start":239.43001,"end":240.15001,"sentiment":"neutral","sentiment_score":-0.2161228209733963},{"text":"Look.","start":240.15001,"end":240.55,"sentiment":"neutral","sentiment_score":-0.1288295537233353}],"sentiment":"neutral","sentiment_score":-0.22776666156947611,"channel":0,"num_words":25,"start":230.15001,"end":240.55},{"sentences":[{"text":"AMP don't really have too too many products anymore.","start":240.55,"end":243.77,"sentiment":"neutral","sentiment_score":-0.18752769960297477},{"text":"They've they've reduced the number of products that they hold.","start":244.30501,"end":247.125,"sentiment":"neutral","sentiment_score":-0.1745229497551918},{"text":"So I I'll be able to sort of have a look across the board and and work from there anyway.","start":247.745,"end":253.205,"sentiment":"neutral","sentiment_score":0.01829943899065256}],"sentiment":"neutral","sentiment_score":-0.07864076959399077,"channel":0,"num_words":39,"start":240.55,"end":253.205},{"sentences":[{"text":"Because there was there was a downward turn that we sort of, like, did for oh, and then it went back up.","start":253.915,"end":261.03,"sentiment":"neutral","sentiment_score":-0.22458006102930417},{"text":"So and then it just shot up from 200,000 to something to 400,000 and something.","start":263.25,"end":270.15,"sentiment":"neutral","sentiment_score":-0.16596991320451102},{"text":"So where mine seems to have just coasted.","start":274.345,"end":277.885,"sentiment":"neutral","sentiment_score":-0.2767693269997835}],"sentiment":"neutral","sentiment_score":-0.21432143681579166,"channel":1,"num_words":45,"start":253.915,"end":277.885},{"sentences":[{"text":"And this is with your your wife?","start":281.045,"end":282.805,"sentiment":"neutral","sentiment_score":-0.05154775349157197},{"text":"Can I ask, is she doing anything different to yourself that you know of?","start":282.805,"end":286.32,"sentiment":"neutral","sentiment_score":-0.021268125623464584}],"sentiment":"neutral","sentiment_score":-0.031361334912833716,"channel":0,"num_words":21,"start":281.045,"end":286.32},{"sentences":[{"text":"She's probably like me.","start":288.07,"end":288.95,"sentiment":"neutral","sentiment_score":-0.11114319413900375},{"text":"It goes, alright.","start":288.95,"end":289.91,"sentiment":"neutral","sentiment_score":-0.03601604172339042},{"text":"We need to give you a super there you go.","start":289.91,"end":292.39,"sentiment":"neutral","sentiment_score":0.008368318900465965},{"text":"We suggest AMP.","start":292.39,"end":293.43,"sentiment":"neutral","sentiment_score":0.04688429335753123},{"text":"Thank you very much.","start":293.43,"end":294.49002,"sentiment":"positive","sentiment_score":0.7446058541536331}],"sentiment":"neutral","sentiment_score":0.11042244099856664,"channel":1,"num_words":24,"start":288.07,"end":294.49002},{"sentences":[{"text":"That's it.","start":295.11002,"end":295.77002,"sentiment":"neutral","sentiment_score":0.20920507609844208},{"text":"I don't think there are too many people that know the ins and outs and what's good and what's not.","start":297.065,"end":301.625,"sentiment":"neutral","sentiment_score":-0.10196630656719208},{"text":"It's just the thing that you have to do for when you go.","start":301.625,"end":305.725,"sentiment":"neutral","sentiment_score":-0.02309610379429964}],"sentiment":"neutral","sentiment_score":-0.05489043795636722,"channel":1,"num_words":35,"start":295.11002,"end":305.725},{"sentences":[{"text":"Yeah.","start":306.735,"end":307.235,"sentiment":"neutral","sentiment_score":0.06736977398395538},{"text":"Yeah.","start":307.69498,"end":307.935,"sentiment":"neutral","sentiment_score":0.1037939041852951},{"text":"That's okay.","start":307.935,"end":308.755,"sentiment":"neutral","sentiment_score":0.16667978465557098},{"text":"Like, there there is an an asset in your fund that I do wanna look at getting, like, offload offloading.","start":310.97498,"end":317.2,"sentiment":"neutral","sentiment_score":0.11144851297140121},{"text":"The asset itself was doing really, really well, and it has performed previously while you've held it.","start":318.3,"end":324.375,"sentiment":"neutral","sentiment_score":0.2669736103099935}],"sentiment":"neutral","sentiment_score":0.17736694834581235,"channel":0,"num_words":41,"start":306.735,"end":324.375},{"sentences":[{"text":"But it just hasn't sort of bounced back with the market on the back of some of those downturns that we've experienced this year.","start":325.175,"end":332.395,"sentiment":"neutral","sentiment_score":-0.05284809817870458},{"text":"And I'm wanting to kind of look at offloading that.","start":333.335,"end":336.055,"sentiment":"neutral","sentiment_score":0.07726806476712227},{"text":"It's an Australian equities asset, so it's Australian stocks.","start":336.055,"end":340.17,"sentiment":"neutral","sentiment_score":0.07136500750978787},{"text":"And I'm wanting to offload that and rediversify into something still Australian.","start":341.05002,"end":345.31003,"sentiment":"neutral","sentiment_score":0.1171813365072012},{"text":"So it's still national stocks, but just something that's gonna give us a little bit more in terms of returns moving forward to get that growth.","start":346.33002,"end":354.165,"sentiment":"neutral","sentiment_score":0.22636932249252611}],"sentiment":"neutral","sentiment_score":0.09183197261558639,"channel":0,"num_words":81,"start":325.175,"end":354.165},{"sentences":[{"text":"Sounds good.","start":354.905,"end":355.725,"sentiment":"positive","sentiment_score":0.4989100396633148}],"sentiment":"positive","sentiment_score":0.4989100396633148,"channel":1,"num_words":2,"start":354.905,"end":355.725},{"sentences":[{"text":"Cool.","start":356.725,"end":357.225,"sentiment":"neutral","sentiment_score":0.2682386040687561},{"text":"Outside of that, there's one of the other assets that I do really wanna look at is what's called a banking hybrid asset.","start":358.245,"end":366.58502,"sentiment":"neutral","sentiment_score":0.09682730374776799},{"text":"So banking hybrids are available in all index funds.","start":367.23,"end":371.81,"sentiment":"neutral","sentiment_score":0.07032808951205677},{"text":"So your your wife would very much be probably be invested in them as well in any sort of index investment that she may hold if she does.","start":372.27,"end":380.85,"sentiment":"neutral","sentiment_score":0.06393273826688528},{"text":"And, ultimately, they've actually legislatively been phased out over the next five years.","start":381.91498,"end":387.055,"sentiment":"neutral","sentiment_score":-0.08920649525064689}],"sentiment":"neutral","sentiment_score":0.05079258958230148,"channel":0,"num_words":74,"start":356.725,"end":387.055},{"sentences":[{"text":"And what that means is that, theoretically, closer to the five year time frame, there is actually more of a significant chance that those are gonna take a bit of a downward spiral.","start":387.595,"end":395.995,"sentiment":"neutral","sentiment_score":-0.20153066628810132},{"text":"So what I wanna do is I wanna remove them out of the portfolio now before we solidify any losses later on.","start":395.995,"end":402.9,"sentiment":"neutral","sentiment_score":-0.15652036836201494},{"text":"We'd rather keep the gains that we've made, so to speak.","start":402.96,"end":406.18,"sentiment":"neutral","sentiment_score":0.08834614824842323}],"sentiment":"neutral","sentiment_score":-0.13821443122331845,"channel":0,"num_words":66,"start":387.595,"end":406.18},{"sentences":[{"text":"Sounds good.","start":406.88998,"end":407.71,"sentiment":"positive","sentiment_score":0.43044646084308624}],"sentiment":"positive","sentiment_score":0.43044646084308624,"channel":1,"num_words":2,"start":406.88998,"end":407.71},{"sentences":[{"text":"Cool.","start":408.8,"end":409.2,"sentiment":"neutral","sentiment_score":0.2952753007411957},{"text":"So I do wanna focus my, like, my my focus on those on some of the underlying investment, make some changes to where the assets sit in respect to the way the economy has moved, the way things are changing.","start":409.2,"end":421.965,"sentiment":"neutral","sentiment_score":0.14319812320172787},{"text":"But I guess in terms of investments, I guess one of the things you said just before did trigger something for me that I guess you would like to be a little bit more hands off, not really a lot of knowledge with regards to the underlying investment side of things.","start":422.73,"end":437.295,"sentiment":"neutral","sentiment_score":-0.06201692670583725},{"text":"Do you want us to do you want me to look at a sort of investment style that would allow allow us to take the wheel a little bit more?","start":437.61502,"end":444.515,"sentiment":"neutral","sentiment_score":0.10542743739982446},{"text":"Because currently because we recommend the very specific asset split that we 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honest.","start":466.425,"end":467.965,"sentiment":"negative","sentiment_score":-0.33604544897874195},{"text":"Just do what you need to do.","start":468.345,"end":469.965,"sentiment":"neutral","sentiment_score":-0.19154104590415955}],"sentiment":"neutral","sentiment_score":-0.25823538578473604,"channel":1,"num_words":13,"start":466.425,"end":469.965},{"sentences":[{"text":"No.","start":472.815,"end":472.975,"sentiment":"neutral","sentiment_score":-0.2520538568496704},{"text":"That's okay.","start":472.975,"end":473.535,"sentiment":"neutral","sentiment_score":-0.0972544401884079},{"text":"Alright.","start":473.535,"end":473.935,"sentiment":"neutral","sentiment_score":0.20081663131713867},{"text":"Well, what I'll look at is I'll look at maybe a little bit of a what's called, like, an SMA blend where I can incorporate it all.","start":473.935,"end":481.28998,"sentiment":"neutral","sentiment_score":0.30074149811709366},{"text":"And that way, we're able to kind of make a little bit more of the investment changes ourselves in a little bit more of a timely manner for you moving 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respect to, I guess, the goals that you're personally working towards, either personal, financial, your position as a whole, what are you currently sort of looking to achieve?","start":493.64502,"end":509.1,"sentiment":"neutral","sentiment_score":0.24283269147078196},{"text":"I know that you previously have stated that you wanted to sort of look at being in a position of purchasing an investment property in the next sort of forty five four to five years.","start":509.32,"end":517.82,"sentiment":"neutral","sentiment_score":0.06939270028046199}],"sentiment":"neutral","sentiment_score":0.17112915056297578,"channel":0,"num_words":83,"start":491.68997,"end":517.82},{"sentences":[{"text":"My, basically, we've got three investment properties, a duplex and a single 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down from the last time you like, last year when you spoke to us that you were wanting to possibly look at purchasing another.","start":539.62,"end":546.68,"sentiment":"neutral","sentiment_score":-0.10206800140440464}],"sentiment":"neutral","sentiment_score":-0.10206800140440464,"channel":0,"num_words":28,"start":539.62,"end":546.68},{"sentences":[{"text":"Yes.","start":547.56,"end":548.06,"sentiment":"neutral","sentiment_score":0.0420755073428154},{"text":"Yes.","start":548.12,"end":548.6,"sentiment":"neutral","sentiment_score":0.026198241859674457},{"text":"That's still being thought about.","start":548.6,"end":552.125,"sentiment":"neutral","sentiment_score":-0.03408676460385322}],"sentiment":"neutral","sentiment_score":-0.014594296259539468,"channel":1,"num_words":7,"start":547.56,"end":552.125},{"sentences":[{"text":"Okay.","start":553.17505,"end":553.67505,"sentiment":"neutral","sentiment_score":0.02330365963280201},{"text":"Well, can I ask, do you know where your equity sits at 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other assets we haven't listed?","start":635.685,"end":639.145,"sentiment":"neutral","sentiment_score":0.04311584774404764},{"text":"Has it had it?","start":640.645,"end":641.445,"sentiment":"neutral","sentiment_score":0.01789871696382761}],"sentiment":"neutral","sentiment_score":0.1095620146529241,"channel":0,"num_words":22,"start":631.94,"end":641.445},{"sentences":[{"text":"No.","start":641.445,"end":641.60504,"sentiment":"neutral","sentiment_score":-0.05476678907871246},{"text":"That's okay.","start":641.60504,"end":642.34503,"sentiment":"neutral","sentiment_score":-0.015191806480288506},{"text":"So do you know by any chance what you purchased each of the properties for on a rough 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that's","start":678.53,"end":682.505,"sentiment":"neutral","sentiment_score":-0.004631340503692627}],"sentiment":"neutral","sentiment_score":-0.004631340503692627,"channel":1,"num_words":7,"start":678.53,"end":682.505},{"sentences":[{"text":"okay.","start":682.42,"end":682.92,"sentiment":"neutral","sentiment_score":0.07139398157596588},{"text":"No.","start":683.77997,"end":684.01996,"sentiment":"neutral","sentiment_score":-0.042407307773828506},{"text":"That's okay.","start":684.01996,"end":684.75995,"sentiment":"neutral","sentiment_score":0.06623172760009766},{"text":"Would you want to maybe look at getting your wife","start":685.45996,"end":689.77997,"sentiment":"neutral","sentiment_score":0.1589531920850277}],"sentiment":"neutral","sentiment_score":0.12507014641804354,"channel":0,"num_words":14,"start":682.42,"end":689.77997},{"sentences":[{"text":"a","start":689.60504,"end":690.10504,"sentiment":"neutral","sentiment_score":0.19624044001102448}],"sentiment":"neutral","sentiment_score":0.19624044001102448,"channel":1,"num_words":1,"start":689.60504,"end":690.10504},{"sentences":[{"text":"together and having a bit more of a diversified chat with her as well.","start":689.77997,"end":694.685,"sentiment":"neutral","sentiment_score":0.2037125134042331}],"sentiment":"neutral","sentiment_score":0.2037125134042331,"channel":0,"num_words":14,"start":689.77997,"end":694.685},{"sentences":[{"text":"no.","start":696.245,"end":696.745,"sentiment":"neutral","sentiment_score":-0.07946433126926422}],"sentiment":"neutral","sentiment_score":-0.07946433126926422,"channel":1,"num_words":1,"start":696.245,"end":696.745},{"sentences":[{"text":"No.","start":697.385,"end":697.625,"sentiment":"neutral","sentiment_score":-0.08171802759170532},{"text":"No.","start":697.625,"end":697.865,"sentiment":"neutral","sentiment_score":-0.031532809138298035},{"text":"That's okay.","start":697.865,"end":698.605,"sentiment":"neutral","sentiment_score":0.10677184164524078},{"text":"Alright.","start":700.665,"end":701.165,"sentiment":"neutral","sentiment_score":0.228457435965538},{"text":"Absolutely no stress.","start":701.945,"end":703.64496,"sentiment":"neutral","sentiment_score":0.20667697737614313}],"sentiment":"neutral","sentiment_score":0.1185976518318057,"channel":0,"num_words":8,"start":697.385,"end":703.64496},{"sentences":[{"text":"So in the realm of your position overall, like, obviously, you have your superannuation fund with HUB24, and then you also have your insurance policy with TAO.","start":704.02496,"end":719.45,"sentiment":"neutral","sentiment_score":0.10103130878673659},{"text":"Now with regards to your TAL insurance policy, just to, I guess, ask, do you remember or know what it covers you for?","start":719.945,"end":731.73,"sentiment":"neutral","sentiment_score":0.02496661691238051}],"sentiment":"neutral","sentiment_score":0.0660415505245328,"channel":0,"num_words":50,"start":704.02496,"end":731.73},{"sentences":[{"text":"No.","start":732.94995,"end":733.44995,"sentiment":"neutral","sentiment_score":-0.27533578872680664}],"sentiment":"neutral","sentiment_score":-0.27533578872680664,"channel":1,"num_words":1,"start":732.94995,"end":733.44995},{"sentences":[{"text":"No.","start":734.85,"end":735.01,"sentiment":"neutral","sentiment_score":-0.25328266620635986},{"text":"That's okay.","start":735.01,"end":735.82996,"sentiment":"neutral","sentiment_score":-0.022413829341530796},{"text":"So when I'm talking about the insurance, I'm talking about, like, it's personal insurance.","start":737.88995,"end":742.70996,"sentiment":"neutral","sentiment_score":0.07616585679352283},{"text":"So it covers you in the event that you you yourself were unable to injured, passed away, anything like that.","start":742.76996,"end":753.285,"sentiment":"neutral","sentiment_score":0.04735790062695742},{"text":"So your policy covers $837,827, so $83,782.07.","start":753.665,"end":761.445,"sentiment":"neutral","sentiment_score":0.18216117577893393}],"sentiment":"neutral","sentiment_score":0.06796586166389963,"channel":0,"num_words":44,"start":734.85,"end":761.445},{"sentences":[{"text":"And the policy covers you under a life insurance benefit, meaning that if you passed away, you your family would be entitled to just shy of 840,000.","start":761.85,"end":773.55,"sentiment":"neutral","sentiment_score":0.2114202584381457},{"text":"And then there's an additional benefit under what's called total and permanent disability, which means if you were never able to work again because of illness or injury, then the same amount, so $8,378.27, is payable to yourself in that event.","start":774.025,"end":792.19995,"sentiment":"neutral","sentiment_score":0.05172144167306947},{"text":"Now given where things are at, I I know that the policy has increased a little bit since it has was originally put in place.","start":792.81995,"end":801.24,"sentiment":"neutral","sentiment_score":-0.01969131052494049},{"text":"The premium for the policy is $3,587 for the year.","start":802.235,"end":808.415,"sentiment":"neutral","sentiment_score":0.11724543049931527},{"text":"Do you wanna look at possibly having a look at where the policy sits right now, see if there's anything on the market that we could look at to price match, beat it, have have it cheaper, and or alternatively looking at decreasing the policy a lit little bit to be in line with where things fit now.","start":809.355,"end":828.14,"sentiment":"neutral","sentiment_score":0.03914369462892927}],"sentiment":"neutral","sentiment_score":0.06695299327188398,"channel":0,"num_words":161,"start":761.85,"end":828.14},{"sentences":[{"text":"So in the event that you were never able to work again, what is it that you would want that money to go towards?","start":832.46497,"end":838.40497,"sentiment":"neutral","sentiment_score":-0.046082228111724056},{"text":"Is it that you want the money to pay out majority of, like, the investment mortgage so that way there is a income to support the family?","start":838.46497,"end":848.0,"sentiment":"neutral","sentiment_score":0.10362955389751329}],"sentiment":"neutral","sentiment_score":0.033176950599048655,"channel":0,"num_words":51,"start":832.46497,"end":848.0},{"sentences":[{"text":"I haven't given it too much thought.","start":852.16003,"end":854.18005,"sentiment":"negative","sentiment_score":-0.4718230792454311}],"sentiment":"negative","sentiment_score":-0.4718230792454311,"channel":1,"num_words":7,"start":852.16003,"end":854.18005},{"sentences":[{"text":"Yeah.","start":855.625,"end":855.945,"sentiment":"neutral","sentiment_score":-0.2457951307296753},{"text":"It's a bit of a hard question.","start":855.945,"end":857.30505,"sentiment":"negative","sentiment_score":-0.4192103275230953},{"text":"I know.","start":857.30505,"end":857.965,"sentiment":"negative","sentiment_score":-0.3519677370786667}],"sentiment":"negative","sentiment_score":-0.38842028975486753,"channel":0,"num_words":10,"start":855.625,"end":857.965},{"sentences":[{"text":"What would you recommend?","start":866.415,"end":867.71497,"sentiment":"neutral","sentiment_score":-0.2779860496520996}],"sentiment":"neutral","sentiment_score":-0.2779860496520996,"channel":1,"num_words":4,"start":866.415,"end":867.71497},{"sentences":[{"text":"So based on your income, which I have sitting at around the $71,500 mark, providing that's still accurate, then what that policy is giving you is it giving you over ten years worth of nearly twelve years worth of your income to basically be able to support the family.","start":870.45,"end":896.485,"sentiment":"neutral","sentiment_score":0.29098016996772924},{"text":"So that would be twelve years worth of income that the family is gonna be able to survive on and go from there.","start":896.485,"end":904.48,"sentiment":"positive","sentiment_score":0.393121978510981},{"text":"If you take into consideration the fact that your mortgage is basically, your PPR is already paid for because you've got the money sitting in offset and the investment properties are neutrally geared.","start":905.82,"end":915.48505,"sentiment":"neutral","sentiment_score":0.14117810084964288},{"text":"It's a matter of, I guess, establishing what does your income pay for within your family and whether there is a, I guess, massive need for twelve years worth of your income.","start":915.705,"end":927.645,"sentiment":"neutral","sentiment_score":0.17443217313848436},{"text":"So, for example, say, if you were not working anymore, does your wife's income support like, I know your your kids are are teenagers, so your eldest would be 18.","start":928.85,"end":940.07,"sentiment":"neutral","sentiment_score":-0.009247959529360136}],"sentiment":"neutral","sentiment_score":0.1991802509985641,"channel":0,"num_words":167,"start":870.45,"end":940.07},{"sentences":[{"text":"Yes.","start":940.5,"end":940.785,"sentiment":"neutral","sentiment_score":0.07224340736865997}],"sentiment":"neutral","sentiment_score":0.07224340736865997,"channel":1,"num_words":1,"start":940.5,"end":940.785},{"sentences":[{"text":"Youngest, 16.","start":941.615,"end":942.59503,"sentiment":"neutral","sentiment_score":0.07989086583256721}],"sentiment":"neutral","sentiment_score":0.07989086583256721,"channel":0,"num_words":2,"start":941.615,"end":942.59503},{"sentences":[{"text":"Yeah.","start":943.345,"end":943.845,"sentiment":"neutral","sentiment_score":0.1089046373963356}],"sentiment":"neutral","sentiment_score":0.1089046373963356,"channel":1,"num_words":1,"start":943.345,"end":943.845},{"sentences":[{"text":"Yeah.","start":944.495,"end":944.995,"sentiment":"neutral","sentiment_score":0.12369884550571442},{"text":"So that 16 and 18 were on the on the tail end of high school and and schooling.","start":945.455,"end":952.335,"sentiment":"neutral","sentiment_score":0.059898018216093384},{"text":"So, obviously, you wanna try and get them through schooling, definitely.","start":952.335,"end":954.915,"sentiment":"neutral","sentiment_score":0.2405103011564775},{"text":"But once the kids are through schooling, it's a bit of a question as to what what your wife would need support with financially.","start":955.56,"end":964.78,"sentiment":"neutral","sentiment_score":-0.11568011374523242}],"sentiment":"neutral","sentiment_score":0.01983618067094573,"channel":0,"num_words":54,"start":944.495,"end":964.78},{"sentences":[{"text":"Not a lot.","start":968.07,"end":968.97003,"sentiment":"negative","sentiment_score":-0.49825213352839154},{"text":"If the engine wouldn't either.","start":969.11005,"end":971.115,"sentiment":"negative","sentiment_score":-0.46861637234687803}],"sentiment":"negative","sentiment_score":-0.4797297827899456,"channel":1,"num_words":8,"start":968.07,"end":971.115},{"sentences":[{"text":"Okay.","start":972.29504,"end":972.79504,"sentiment":"neutral","sentiment_score":-0.042509615421295166},{"text":"So is it is it a matter of sort of I guess your money is more play money, 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no.","start":979.895,"end":980.775,"sentiment":"neutral","sentiment_score":-0.2766372114419937},{"text":"We both contribute.","start":980.775,"end":982.71,"sentiment":"neutral","sentiment_score":-0.13996173441410065}],"sentiment":"neutral","sentiment_score":-0.19463192522525788,"channel":1,"num_words":5,"start":979.895,"end":982.71},{"sentences":[{"text":"Yeah.","start":984.34,"end":984.84,"sentiment":"neutral","sentiment_score":-0.03810397535562515},{"text":"No.","start":985.3,"end":985.62,"sentiment":"neutral","sentiment_score":-0.1961699426174164},{"text":"Not not trying to deny that that the all the money's used.","start":985.62,"end":989.08,"sentiment":"neutral","sentiment_score":-0.26413702716430026},{"text":"But I guess at the moment with the kids being on the younger side, it's definitely needed.","start":989.94,"end":997.24,"sentiment":"neutral","sentiment_score":-0.08156570441582624}],"sentiment":"neutral","sentiment_score":-0.15453339416173198,"channel":0,"num_words":31,"start":984.34,"end":997.24},{"sentences":[{"text":"Yeah.","start":998.90497,"end":999.40497,"sentiment":"neutral","sentiment_score":-0.1969318836927414},{"text":"I'm I haven't got any k.","start":999.865,"end":1003.785,"sentiment":"negative","sentiment_score":-0.4600182871023814},{"text":"Read away.","start":1003.785,"end":1004.52496,"sentiment":"negative","sentiment_score":-0.35364650189876556}],"sentiment":"negative","sentiment_score":-0.4071482900116179,"channel":1,"num_words":9,"start":998.90497,"end":1004.52496},{"sentences":[{"text":"Okay.","start":1005.705,"end":1006.205,"sentiment":"neutral","sentiment_score":-0.10778727382421494},{"text":"Well, what I can do is I I can sort of have a look and quote up some lower premiums, go to market, and see whether it's providers that have a bit of a cheaper offering at on cover to see whether there's a a an avenue that way that we can look at decreasing some of the premiums to better suit where things are at.","start":1006.745,"end":1030.705,"sentiment":"neutral","sentiment_score":0.22147274164087843},{"text":"Because I think, like, you're in a really good position financially.","start":1031.005,"end":1034.445,"sentiment":"positive","sentiment_score":0.6466368111697111},{"text":"Like, you've got the investment properties and they're neutral, so there's not a lot needing to go into them because, as you said, they're paying for themselves.","start":1034.445,"end":1040.9,"sentiment":"positive","sentiment_score":0.3632738667505759},{"text":"The mortgage is paid off.","start":1040.9,"end":1042.28,"sentiment":"neutral","sentiment_score":0.09007317274808883}],"sentiment":"neutral","sentiment_score":0.28982889875769613,"channel":0,"num_words":110,"start":1005.705,"end":1042.28},{"sentences":[{"text":"We don't have any I understand we have debts, obviously, but, you know, they're they're paying for themselves quite nicely at the moment.","start":1042.9,"end":1051.72,"sentiment":"neutral","sentiment_score":0.05700856706370478},{"text":"So what I can do is have a look at some alternatives, and, I guess, it's a a a matter of opening the conversation with your wife to say, hey.","start":1052.745,"end":1061.865,"sentiment":"neutral","sentiment_score":0.26113469501336417},{"text":"My insurance policy covers this.","start":1061.865,"end":1063.645,"sentiment":"neutral","sentiment_score":0.12533243596553803},{"text":"Do how much do you think we actually need?","start":1064.185,"end":1067.5651,"sentiment":"neutral","sentiment_score":0.0953732281923294},{"text":"Because twelve years worth of your income, it's not it's not unreasonable.","start":1069.12,"end":1072.58,"sentiment":"neutral","sentiment_score":0.16228864093621573}],"sentiment":"neutral","sentiment_score":0.15921168123619467,"channel":0,"num_words":79,"start":1042.9,"end":1072.58},{"sentences":[{"text":"Don't get me wrong.","start":1072.72,"end":1073.78,"sentiment":"neutral","sentiment_score":0.11309062130749226},{"text":"But I also don't wanna be paying for more than we need because the whole point is we're wanting to you to get to the point of actually being at retirement and not always paying for a insurance policy.","start":1074.64,"end":1085.875,"sentiment":"neutral","sentiment_score":0.14694737910460204},{"text":"Insurance policies are basically a thing that you pay for that you hope you never have to claim.","start":1087.055,"end":1091.055,"sentiment":"neutral","sentiment_score":0.08621104516916805},{"text":"It's the same thing on our house.","start":1091.055,"end":1092.255,"sentiment":"neutral","sentiment_score":0.08777910683836256},{"text":"While we pay for house insurance, we actually hope we never have to put a claim in because they're an absolute pain to go through.","start":1092.255,"end":1097.62,"sentiment":"neutral","sentiment_score":-0.10959266066551208}],"sentiment":"neutral","sentiment_score":0.06031985284500225,"channel":0,"num_words":93,"start":1072.72,"end":1097.62},{"sentences":[{"text":"The downside with this one means we're no longer working or we've this this left the earth.","start":1098.88,"end":1103.7799,"sentiment":"negative","sentiment_score":-0.5310845339999479},{"text":"So I just sort of wanna make sure that we are being appropriate.","start":1106.08,"end":1109.7,"sentiment":"neutral","sentiment_score":-0.0856564211157652},{"text":"We're not overinsuring as well as obviously not underinsuring.","start":1109.76,"end":1113.7949,"sentiment":"neutral","sentiment_score":-0.13321766898863846}],"sentiment":"neutral","sentiment_score":-0.29079306598466176,"channel":0,"num_words":39,"start":1098.88,"end":1113.7949},{"sentences":[{"text":"Yes.","start":1115.505,"end":1116.005,"sentiment":"neutral","sentiment_score":0.11358751356601716}],"sentiment":"neutral","sentiment_score":0.11358751356601716,"channel":1,"num_words":1,"start":1115.505,"end":1116.005},{"sentences":[{"text":"So I'll have a look at some quotes, go to other insurers, and see whether there's anything appropriate on market that I can look at as well.","start":1117.215,"end":1125.075,"sentiment":"neutral","sentiment_score":0.16240350708917337},{"text":"May I just ask, has anything changed with your health or lifestyle since the policy went in place?","start":1126.03,"end":1132.85,"sentiment":"neutral","sentiment_score":0.023720186514159042},{"text":"We haven't","start":1133.0701,"end":1133.55,"sentiment":"neutral","sentiment_score":-0.06033165007829666}],"sentiment":"neutral","sentiment_score":0.09981265422353085,"channel":0,"num_words":47,"start":1117.215,"end":1133.55},{"sentences":[{"text":"No.","start":1133.45,"end":1133.95,"sentiment":"neutral","sentiment_score":-0.1139773726463318}],"sentiment":"neutral","sentiment_score":-0.1139773726463318,"channel":1,"num_words":1,"start":1133.45,"end":1133.95},{"sentences":[{"text":"picked up smoking, 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change at all?","start":1136.75,"end":1139.3301,"sentiment":"neutral","sentiment_score":-0.17030718071120127}],"sentiment":"neutral","sentiment_score":-0.17030718071120127,"channel":0,"num_words":7,"start":1136.75,"end":1139.3301},{"sentences":[{"text":"No.","start":1140.3551,"end":1140.755,"sentiment":"neutral","sentiment_score":-0.15261459350585938},{"text":"Definitely.","start":1140.755,"end":1141.255,"sentiment":"neutral","sentiment_score":-0.1610783338546753},{"text":"I haven't grown any or shrunk any.","start":1141.3151,"end":1143.895,"sentiment":"neutral","sentiment_score":-0.3117144618715559}],"sentiment":"neutral","sentiment_score":-0.27729935116238064,"channel":1,"num_words":9,"start":1140.3551,"end":1143.895},{"sentences":[{"text":"Yeah.","start":1145.495,"end":1145.735,"sentiment":"neutral","sentiment_score":-0.10432744026184082},{"text":"It's the shrinking sometimes that hits 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bit, but yes.","start":1149.3151,"end":1150.675,"sentiment":"neutral","sentiment_score":-0.10975550922254722},{"text":"No.","start":1150.675,"end":1151.07,"sentiment":"neutral","sentiment_score":-0.09573841094970705},{"text":"I've not put over punch weight on.","start":1152.0299,"end":1156.13,"sentiment":"neutral","sentiment_score":-0.12903548351355962},{"text":"Being a middle aged person, you can attend to.","start":1157.87,"end":1161.09,"sentiment":"neutral","sentiment_score":-0.01971590994960732}],"sentiment":"neutral","sentiment_score":-0.07978100175766842,"channel":1,"num_words":23,"start":1149.3151,"end":1161.09},{"sentences":[{"text":"and yeah.","start":1162.65,"end":1163.4701,"sentiment":"neutral","sentiment_score":-0.030776329338550568},{"text":"No.","start":1163.6101,"end":1163.77,"sentiment":"neutral","sentiment_score":-0.0699179470539093},{"text":"No.","start":1163.77,"end":1164.17,"sentiment":"neutral","sentiment_score":-0.04239046201109886},{"text":"That's perfect.","start":1164.17,"end":1165.15,"sentiment":"neutral","sentiment_score":0.22175903618335724},{"text":"And then I have that we have a diagnosis of diverticulitis and asthma","start":1165.29,"end":1170.285,"sentiment":"neutral","sentiment_score":0.04473081632302357}],"sentiment":"neutral","sentiment_score":0.04479776930652166,"channel":0,"num_words":19,"start":1162.65,"end":1170.285},{"sentences":[{"text":"Yeah.","start":1170.855,"end":1171.355,"sentiment":"neutral","sentiment_score":0.04375552758574486}],"sentiment":"neutral","sentiment_score":0.04375552758574486,"channel":1,"num_words":1,"start":1170.855,"end":1171.355},{"sentences":[{"text":"that are both 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attention on is review of the the underlying asset, look at some different investment modeling, and then look at some insurance.","start":1180.5901,"end":1192.4501,"sentiment":"neutral","sentiment_score":0.135743374703452}],"sentiment":"neutral","sentiment_score":0.1666014426060625,"channel":0,"num_words":37,"start":1174.585,"end":1192.4501},{"sentences":[{"text":"I'll go and do the research, come back to you with outcomes from there.","start":1193.4049,"end":1197.985,"sentiment":"neutral","sentiment_score":0.16751053716455186},{"text":"Would next would sort of two weeks from now be appropriate for us to meet, and I can go through the facts and figures when I have them available.","start":1200.445,"end":1209.85,"sentiment":"neutral","sentiment_score":0.08229628500753436},{"text":"Would Wednesday, the thirtieth, be okay?","start":1209.85,"end":1211.87,"sentiment":"neutral","sentiment_score":0.052207945535580315}],"sentiment":"neutral","sentiment_score":0.10295892772930008,"channel":0,"num_words":49,"start":1193.4049,"end":1211.87},{"sentences":[{"text":"'9 lovely and Tiffany then.","start":1215.15,"end":1217.755,"sentiment":"positive","sentiment_score":0.47059056758880613}],"sentiment":"positive","sentiment_score":0.47059056758880613,"channel":1,"num_words":5,"start":1215.15,"end":1217.755},{"sentences":[{"text":"Okay.","start":1218.4099,"end":1218.9099,"sentiment":"neutral","sentiment_score":0.1832374483346939},{"text":"Is","start":1219.13,"end":1219.545,"sentiment":"neutral","sentiment_score":0.09936027973890305}],"sentiment":"neutral","sentiment_score":0.14129886403679848,"channel":0,"num_words":2,"start":1218.4099,"end":1219.545},{"sentences":[{"text":"So so why don't you go if it if you're happy with it, I'm happy with it.","start":1219.575,"end":1225.835,"sentiment":"neutral","sentiment_score":0.206240587593878}],"sentiment":"neutral","sentiment_score":0.206240587593878,"channel":1,"num_words":17,"start":1219.575,"end":1225.835},{"sentences":[{"text":"I I can put everything together, and I can send it to you.","start":1228.185,"end":1230.665,"sentiment":"neutral","sentiment_score":0.22645848989486694},{"text":"I need you to still sign off on it for me to","start":1230.665,"end":1233.0651,"sentiment":"neutral","sentiment_score":0.033573182920614876}],"sentiment":"neutral","sentiment_score":0.13387354254722594,"channel":0,"num_words":25,"start":1228.185,"end":1233.0651},{"sentences":[{"text":"Well,","start":1233.0599,"end":1233.22,"sentiment":"neutral","sentiment_score":0.011936070397496223}],"sentiment":"neutral","sentiment_score":0.011936070397496223,"channel":1,"num_words":1,"start":1233.0599,"end":1233.22},{"sentences":[{"text":"implement","start":1233.0651,"end":1233.545,"sentiment":"neutral","sentiment_score":0.02264370024204254}],"sentiment":"neutral","sentiment_score":0.02264370024204254,"channel":0,"num_words":1,"start":1233.0651,"end":1233.545},{"sentences":[{"text":"I can do","start":1233.22,"end":1233.78,"sentiment":"neutral","sentiment_score":0.04833358277877172}],"sentiment":"neutral","sentiment_score":0.04833358277877172,"channel":1,"num_words":3,"start":1233.22,"end":1233.78},{"sentences":[{"text":"it.","start":1233.545,"end":1233.785,"sentiment":"neutral","sentiment_score":0.018267719075083733}],"sentiment":"neutral","sentiment_score":0.018267719075083733,"channel":0,"num_words":1,"start":1233.545,"end":1233.785},{"sentences":[{"text":"that.","start":1233.78,"end":1234.28,"sentiment":"neutral","sentiment_score":-0.043546393513679504}],"sentiment":"neutral","sentiment_score":-0.043546393513679504,"channel":1,"num_words":1,"start":1233.78,"end":1234.28},{"sentences":[{"text":"But yep.","start":1233.785,"end":1235.3201,"sentiment":"neutral","sentiment_score":-0.1261047013103962}],"sentiment":"neutral","sentiment_score":-0.1261047013103962,"channel":0,"num_words":2,"start":1233.785,"end":1235.3201},{"sentences":[{"text":"I just won't be spending too much attention on it.","start":1235.78,"end":1240.36,"sentiment":"neutral","sentiment_score":-0.25146394968032837}],"sentiment":"neutral","sentiment_score":-0.25146394968032837,"channel":1,"num_words":10,"start":1235.78,"end":1240.36},{"sentences":[{"text":"Okay.","start":1240.66,"end":1241.16,"sentiment":"neutral","sentiment_score":0.009434062987565994},{"text":"Alright.","start":1241.7,"end":1242.1,"sentiment":"neutral","sentiment_score":0.05931764841079712},{"text":"That's okay.","start":1242.1,"end":1242.9,"sentiment":"neutral","sentiment_score":0.10080087929964066},{"text":"Alright.","start":1242.9,"end":1243.22,"sentiment":"neutral","sentiment_score":0.12554877996444702},{"text":"Well, I'll go ahead and get some facts and figures pulled up, and I will go from there and get everything in place.","start":1243.22,"end":1250.6749,"sentiment":"neutral","sentiment_score":0.1589925477038259}],"sentiment":"neutral","sentiment_score":0.1447403873982174,"channel":0,"num_words":28,"start":1240.66,"end":1250.6749},{"sentences":[{"text":"Alright.","start":1252.6549,"end":1253.135,"sentiment":"neutral","sentiment_score":0.24230074882507324},{"text":"Perfect.","start":1253.135,"end":1253.635,"sentiment":"positive","sentiment_score":0.366213321685791},{"text":"Well, for today, I do have a, like, a review pack that I am sending you.","start":1254.735,"end":1259.635,"sentiment":"neutral","sentiment_score":0.18031289242208004},{"text":"And inside that pack, it has, like, a summary of where your insurance is, a summary of where your super sits.","start":1259.9349,"end":1267.38,"sentiment":"neutral","sentiment_score":0.12956249518763452},{"text":"It has what's called an investment index chart.","start":1267.6,"end":1270.9601,"sentiment":"neutral","sentiment_score":0.19902212172746658}],"sentiment":"neutral","sentiment_score":0.16609595153242984,"channel":0,"num_words":47,"start":1252.6549,"end":1270.9601},{"sentences":[{"text":"So it just got over the last thirty years how different asset classes have grown.","start":1270.9601,"end":1277.54,"sentiment":"neutral","sentiment_score":0.23446276982625325},{"text":"And then it also got our ongoing service agreement, so that way you're able to stay a client of Oakview.","start":1277.905,"end":1284.805,"sentiment":"neutral","sentiment_score":0.3290445297956467},{"text":"So what I'll do is I will send that through to you so you're able to review it and authorize it.","start":1286.145,"end":1292.64,"sentiment":"neutral","sentiment_score":0.31617681469236103},{"text":"And from there, what I will get all of the information emailed through to you within the next two weeks.","start":1293.04,"end":1299.38,"sentiment":"neutral","sentiment_score":0.2968480683863163}],"sentiment":"neutral","sentiment_score":0.2983487713101663,"channel":0,"num_words":76,"start":1270.9601,"end":1299.38},{"sentences":[{"text":"Sounds good.","start":1299.815,"end":1300.635,"sentiment":"positive","sentiment_score":0.7704930901527405}],"sentiment":"positive","sentiment_score":0.7704930901527405,"channel":1,"num_words":2,"start":1299.815,"end":1300.635},{"sentences":[{"text":"Alright.","start":1301.2001,"end":1301.7001,"sentiment":"positive","sentiment_score":0.3393424451351166},{"text":"Did you have any questions at all for me, Greg?","start":1301.76,"end":1304.26,"sentiment":"neutral","sentiment_score":0.15007772967219352}],"sentiment":"neutral","sentiment_score":0.1672836128960956,"channel":0,"num_words":11,"start":1301.2001,"end":1304.26},{"sentences":[{"text":"No questions whatsoever.","start":1303.895,"end":1305.275,"sentiment":"neutral","sentiment_score":-0.048309563348690666}],"sentiment":"neutral","sentiment_score":-0.048309563348690666,"channel":1,"num_words":3,"start":1303.895,"end":1305.275},{"sentences":[{"text":"Okay.","start":1306.295,"end":1306.795,"sentiment":"neutral","sentiment_score":0.13896837830543518},{"text":"Well, if you do, please feel free to, give us a call, send me an email, and I'm happy to address them.","start":1307.015,"end":1313.495,"sentiment":"neutral","sentiment_score":0.20058441907167435},{"text":"But, otherwise, I'll get that all through to you as quick as I am able.","start":1313.735,"end":1317.355,"sentiment":"neutral","sentiment_score":0.2874245504538218}],"sentiment":"neutral","sentiment_score":0.23324194354446312,"channel":0,"num_words":38,"start":1306.295,"end":1317.355},{"sentences":[{"text":"Alright.","start":1317.7001,"end":1318.2001,"sentiment":"positive","sentiment_score":0.4287606477737427},{"text":"Cool.","start":1318.26,"end":1318.6349,"sentiment":"positive","sentiment_score":0.6309667825698853}],"sentiment":"positive","sentiment_score":0.529863715171814,"channel":1,"num_words":2,"start":1317.7001,"end":1318.6349},{"sentences":[{"text":"Alright.","start":1319.4148,"end":1319.8949,"sentiment":"positive","sentiment_score":0.5549924373626709},{"text":"Perfect, Craig.","start":1319.8949,"end":1320.5349,"sentiment":"positive","sentiment_score":0.8451273739337921},{"text":"You have a absolutely lovely afternoon.","start":1320.5349,"end":1322.4749,"sentiment":"positive","sentiment_score":0.8582930664221445}],"sentiment":"positive","sentiment_score":0.8216672870847914,"channel":0,"num_words":9,"start":1319.4148,"end":1322.4749},{"sentences":[{"text":"You too.","start":1322.8749,"end":1323.5149,"sentiment":"positive","sentiment_score":0.6849865317344666},{"text":"Take care.","start":1323.5149,"end":1324.1749,"sentiment":"positive","sentiment_score":0.6118007898330688}],"sentiment":"positive","sentiment_score":0.6483936607837677,"channel":1,"num_words":4,"start":1322.8749,"end":1324.1749},{"sentences":[{"text":"You","start":1324.7749,"end":1325.0149,"sentiment":"positive","sentiment_score":0.375405490398407}],"sentiment":"positive","sentiment_score":0.375405490398407,"channel":0,"num_words":1,"start":1324.7749,"end":1325.0149},{"sentences":[{"text":"Bye.","start":1324.9548,"end":1325.4548,"sentiment":"positive","sentiment_score":0.357366144657135}],"sentiment":"positive","sentiment_score":0.357366144657135,"channel":1,"num_words":1,"start":1324.9548,"end":1325.4548},{"sentences":[{"text":"too.","start":1325.0149,"end":1325.4148,"sentiment":"neutral","sentiment_score":0.2845642566680908},{"text":"Bye.","start":1325.4148,"end":1325.9148,"sentiment":"neutral","sentiment_score":-0.10881911218166351}],"sentiment":"neutral","sentiment_score":0.08787257224321365,"channel":0,"num_words":2,"start":1325.0149,"end":1325.9148}]},"summary":{"result":"success","short":"A representative from Oaktree Financial discusses the customer's investment property and advises them to incorporate a SMA blend to make changes quickly. They also discuss the customer's mortgage and insurance policy, recommend a diversified chat, and discuss the benefits of a policy with a partner who manages everything. The agent provides the customer with their current income and suggests potential savings for their family. They also discuss the importance of working for retirement and not overinsured, and recommend exploring lower premiums and other insurance policies to reduce costs and improve the customer's financial situation. The customer will receive a summary of their insurance policy and authorization via email."},"intents":{"segments":[{"text":"Well, the reason for my call today was to go through your annual review and ultimately be able to establish whether there was any, like, a new advice or where things were sitting. Now just before I do jump into things, I do need to let you know that our calls are recorded. And if I could just get you confirmed security for me, it's just your full name, date of birth, and address. It's Craig Bonfield.","start_word":49,"end_word":125,"intents":[{"intent":"Requesting information","confidence_score":0.00007912647},{"intent":"Stating purpose","confidence_score":0.00436962}]},{"text":"And that's, I guess, a lot of part, like, part and parcel of what I wanna go through with you because I can like, I have identified that there are probably a few changes that we can make to some of the investments that you hold underlying to like, within your account to be able to diversify out a little bit more, establish a little bit more in terms of investment growth as well.","start_word":289,"end_word":362,"intents":[{"intent":"Address investments and discuss diversify and establish a more suitable approach to investments","confidence_score":1.2675048e-7}]},{"text":"So I do wanna focus my, like, my my focus on those on some of the underlying investment, make some changes to where the assets sit in respect to the way the economy has moved, the way things are changing.","start_word":940,"end_word":979,"intents":[{"intent":"Manage underlying investments","confidence_score":0.000018405879}]},{"text":"Because currently because we recommend the very specific asset split that we do. So each of the holdings that you have for which you have eight different assets, we've recommended those specific holdings.","start_word":1061,"end_word":1093,"intents":[{"intent":"Identify asset split recommendations","confidence_score":0.00003033986}]},{"text":"Well, can I ask, do you know where your equity sits at the moment? Like, do you know what your your residence value is and what the investment property value and debts are No.","start_word":1352,"end_word":1385,"intents":[{"intent":"Evaluate property values","confidence_score":0.003083503}]},{"text":"Now with regards to your TAL insurance policy, just to, I guess, ask, do you remember or know what it covers you for? No. No.","start_word":1708,"end_word":1732,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.014895123}]},{"text":"Do how much do you think we actually need?","start_word":2483,"end_word":2491,"intents":[{"intent":"Assess insurance coverage options","confidence_score":0.046979077}]},{"text":"May I just ask, has anything changed with your health or lifestyle since the policy went in place?","start_word":2665,"end_word":2682,"intents":[{"intent":"Discuss health and lifestyle changes","confidence_score":0.036249537}]},{"text":"May I just ask, has anything changed with your health or lifestyle since the policy went in place? We haven't No.","start_word":2665,"end_word":2685,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.26093385}]},{"text":"May I just ask, has anything changed with your health or lifestyle since the policy went in place? We haven't No. picked up smoking, excessive No. drinking, I just we don't. no height or weight change at all?","start_word":2665,"end_word":2702,"intents":[{"intent":"Discuss weight and weight gain control","confidence_score":0.00031351674}]},{"text":"Now I guess outside of that so what I'll focus my attention on is review of the the underlying asset, look at some different investment modeling, and then look at some insurance.","start_word":2777,"end_word":2808,"intents":[{"intent":"Discuss insurance and investment models","confidence_score":0.0003778839}]},{"text":"Well, I'll go ahead and get some facts and figures pulled up, and I will go from there and get everything in place. Alright.","start_word":2931,"end_word":2954,"intents":[{"intent":"Gather facts and figures","confidence_score":0.004675894}]},{"text":"Well, for today, I do have a, like, a review pack that I am sending you. And inside that pack, it has, like, a summary of where your insurance is, a summary of where your super sits.","start_word":2956,"end_word":2992,"intents":[{"intent":"Send review pack","confidence_score":0.007838431}]}]},"sentiments":{"segments":[{"text":"Talking to Craig. Hi.","start_word":0,"end_word":3,"sentiment":"neutral","sentiment_score":0.09041216224431992},{"text":"Good afternoon, Craig. Larissa from Oaktree Financial. How are you going? Doing good. And you?","start_word":4,"end_word":18,"sentiment":"positive","sentiment_score":0.4454744756221771},{"text":"Yeah.","start_word":19,"end_word":19,"sentiment":"neutral","sentiment_score":0.3267096281051636},{"text":"Not bad. Thank you. It's a lovely Thursday afternoon, so we can't complain too much.","start_word":20,"end_word":34,"sentiment":"positive","sentiment_score":0.7050706148147583},{"text":"How's the day Busy. been? It never never eases, does it? Nine. That's okay. Well, the reason for my call today was to go through your annual review and ultimately be able to establish whether there was any, like, a new advice or where things were sitting. Now just before I do jump into things, I do need to let you know that our calls are recorded. And if I could just get you confirmed security for me, it's just your full name, date of birth, and address. It's Craig Bonfield. 27 Joseph Street, Neona, New South Wales Perfect. Two And just your just your date of birth as well? '5. 03/18/1972.","start_word":35,"end_word":146,"sentiment":"neutral","sentiment_score":0.09657525271177292},{"text":"Perfect. Thank you for that.","start_word":147,"end_word":151,"sentiment":"positive","sentiment_score":0.6993447542190552},{"text":"Okay. So, basically speaking, the reason, as I said, I wanted to call and go through everything was just to be able to, I guess, establish where things were sitting for you, whether there was any updates to your to your position, and and whether there was sort of, I guess, any appropriate advice that we could pick up given your your current circumstances, make sure that everything that we have on file at the moment is still appropriate and go from there. So I guess how's how's the last sort of twelve months been going for you? Fine.","start_word":152,"end_word":250,"sentiment":"neutral","sentiment_score":0.14941038191318512},{"text":"Although, my wife is in a thin position, and our sleep is doing better.","start_word":251,"end_word":264,"sentiment":"negative","sentiment_score":-0.3619476854801178},{"text":"Sorry. Your wife's in a Hang on So my wife's in a similar position or was, and her super is doing better. Okay. And that's, I guess, a lot of part, like, part and parcel of what I wanna go through with you because I can like, I have identified that there are probably a few changes that we can make to some of the investments that you hold underlying to like, within your account to be able to diversify out a little bit more, establish a little bit more in terms of investment growth as well. But that's obviously, I guess, depending on where you wanted to head, what you wanted to do, and and how we, like, approach that.","start_word":265,"end_word":385,"sentiment":"neutral","sentiment_score":0.1234359288018597},{"text":"But I I've can got definitely no I've got no yes. idea because I'm not in that realm.","start_word":386,"end_word":403,"sentiment":"negative","sentiment_score":-0.4003467857837677},{"text":"No. That's okay. That's that's sort of where I come in. But I guess, first and foremost, before we jump into that side of things, which I'm happy to address, and I'm also happy to like, I can have a look at, like, alternative funds or index funds or, you know, if you know what superannuation fund you're watching, I can have a look at the investment offerings She's under that in account to see she's in a and p. do you know which of the AMP products she's in?","start_word":404,"end_word":493,"sentiment":"neutral","sentiment_score":0.24661877751350403},{"text":"I thought it might be a bit of a tall order.","start_word":494,"end_word":504,"sentiment":"negative","sentiment_score":-0.477426677942276},{"text":"No. That's okay. Look. AMP don't really have too too many products anymore. They've they've reduced the number of products that they hold. So I I'll be able to sort of have a look across the board and and work from there anyway. Because there was there was a downward turn that we sort of, like, did for oh, and then it went back up. So and then it just shot up from 200,000 to something to 400,000 and something. So where mine seems to have just coasted. And this is with your your wife? Can I ask, is she doing anything different to yourself that you know of? She's probably like me. It goes, alright. We need to give you a super there you go. We suggest AMP.","start_word":505,"end_word":633,"sentiment":"neutral","sentiment_score":-0.11784564703702928},{"text":"Thank you very much.","start_word":634,"end_word":637,"sentiment":"positive","sentiment_score":0.7269903421401978},{"text":"That's it. I don't think there are too many people that know the ins and outs and what's good and what's not. It's just the thing that you have to do for when you go. Yeah. Yeah. That's okay. Like, there there is an an asset in your fund that I do wanna look at getting, like, offload offloading. The asset itself was doing really, really well, and it has performed previously while you've held it. But it just hasn't sort of bounced back with the market on the back of some of those downturns that we've experienced this year. And I'm wanting to kind of look at offloading that. It's an Australian equities asset, so it's Australian stocks. And I'm wanting to offload that and rediversify into something still Australian. So it's still national stocks, but just something that's gonna give us a little bit more in terms of returns moving forward to get that growth.","start_word":638,"end_word":794,"sentiment":"neutral","sentiment_score":0.07983116060495377},{"text":"Sounds good.","start_word":795,"end_word":796,"sentiment":"positive","sentiment_score":0.4854159355163574},{"text":"Cool. Outside of that, there's one of the other assets that I do really wanna look at is what's called a banking hybrid asset. So banking hybrids are available in all index funds. So your your wife would very much be probably be invested in them as well in any sort of index investment that she may hold if she does. And, ultimately, they've actually legislatively been phased out over the next five years. And what that means is that, theoretically, closer to the five year time frame, there is actually more of a significant chance that those are gonna take a bit of a downward spiral. So what I wanna do is I wanna remove them out of the portfolio now before we solidify any losses later on. We'd rather keep the gains that we've made, so to speak.","start_word":797,"end_word":936,"sentiment":"neutral","sentiment_score":-0.03680552914738655},{"text":"Sounds good.","start_word":937,"end_word":938,"sentiment":"positive","sentiment_score":0.41765809059143066},{"text":"Cool. So I do wanna focus my, like, my my focus on those on some of the underlying investment, make some changes to where the assets sit in respect to the way the economy has moved, the way things are changing. But I guess in terms of investments, I guess one of the things you said just before did trigger something for me that I guess you would like to be a little bit more hands off, not really a lot of knowledge with regards to the underlying investment side of things. Do you want us to do you want me to look at a sort of investment style that would allow allow us to take the wheel a little bit more? Because currently because we recommend the very specific asset split that we do. So each of the holdings that you have for which you have eight different assets, we've recommended those specific holdings. So anytime we wanna make a change, it's a phone call, it's Oh, a man.","start_word":939,"end_word":1108,"sentiment":"neutral","sentiment_score":0.04349358876181},{"text":"document, You can a little do bit of a delay.","start_word":1109,"end_word":1118,"sentiment":"negative","sentiment_score":-0.33360612392425537},{"text":"I don't care, to be honest. Just do what you need to do. No. That's okay. Alright. Well, what I'll look at is I'll look at maybe a little bit of a what's called, like, an SMA blend where I can incorporate it all.","start_word":1119,"end_word":1162,"sentiment":"neutral","sentiment_score":0.09612980484962463},{"text":"And that way, we're able to kind of make a little bit more of the investment changes ourselves in a little bit more of a timely manner for you moving forward.","start_word":1163,"end_word":1193,"sentiment":"positive","sentiment_score":0.4329859912395478},{"text":"Okay. Yeah. Yeah. Alright.","start_word":1194,"end_word":1197,"sentiment":"neutral","sentiment_score":0.20958153903484344},{"text":"Cool.","start_word":1198,"end_word":1198,"sentiment":"positive","sentiment_score":0.36117666959762573},{"text":"Well, now that we I guess we've touched on that side of things, can I ask with respect to, I guess, the goals that you're personally working towards, either personal, financial, your position as a whole, what are you currently sort of looking to achieve? I know that you previously have stated that you wanted to sort of look at being in a position of purchasing an investment property in the next sort of forty five four to five years. My, basically, we've got three investment properties, a duplex and a single level. No. Yeah. No. Yeah. I knew I knew that you had the the three properties, but I I knew that you had the properties. I just I had down from the last time you like, last year when you spoke to us that you were wanting to possibly look at purchasing another. Yes. Yes. That's still being thought about. Okay. Well, can I ask, do you know where your equity sits at the moment? Like, do you know what your your residence value is and what the investment property value and debts are No. That will be a question for my wife. at? She's the one that sort of looks after it all. Yeah. No. That's okay. Do you know what your mortgage sits at or not sure? All I can tell you is that they pay for themselves. Do they earn a bit of an income or are they pretty neutral? So money Mutual. The more neutral in, money learning more neutral learning. out. Cool. Alright. Well, that's okay. So, basically, money comes in, money goes out, it pays for itself, but it's equity sitting there. Yes. Yeah. And the last record I had was that your primary residence mortgage was fully offset. Is that still the case? Yes. Yeah. And we only had a pretty minimal amount. Last time, it was about a $150,000, but I assume it would be a little bit less at this point. It's yes. Basically, the same. Alright.","start_word":1199,"end_word":1536,"sentiment":"neutral","sentiment_score":0.04483339825325464},{"text":"Perfect.","start_word":1537,"end_word":1537,"sentiment":"positive","sentiment_score":0.5415881276130676},{"text":"And then we have the the two vehicles. Are there any other assets we haven't listed? Has it had it? No. That's okay. So do you know by any chance what you purchased each of the properties for on a rough guess? No. No. That's okay. I I know that your partner manages all of it, so it's a bit bit of a guessing game if I was to ask you. Yes. Yeah. No. That's absolutely absolutely okay. Okay. Well, is there anything that you wanna specifically look into advice wise in the realm of I wouldn't cash even know what to ask, So that's okay. No. That's okay. Would you want to maybe look at getting your wife a together and having a bit more of a diversified chat with her as well. no. No. No. That's okay. Alright. Absolutely no stress. So in the realm of your position overall, like, obviously, you have your superannuation fund with HUB24, and then you also have your insurance policy with TAO. Now with regards to your TAL insurance policy, just to, I guess, ask, do you remember or know what it covers you for? No. No. That's okay. So when I'm talking about the insurance, I'm talking about, like, it's personal insurance. So it covers you in the event that you you yourself were unable to injured, passed away, anything like that. So your policy covers $837,827, so $83,782.07. And the policy covers you under a life insurance benefit, meaning that if you passed away, you your family would be entitled to just shy of 840,000. And then there's an additional benefit under what's called total and permanent disability, which means if you were never able to work again because of illness or injury, then the same amount, so $8,378.27, is payable to yourself in that event. Now given where things are at, I I know that the policy has increased a little bit since it has was originally put in place. The premium for the policy is $3,587 for the year. Do you wanna look at possibly having a look at where the policy sits right now, see if there's anything on the market that we could look at to price match, beat it, have have it cheaper, and or alternatively looking at decreasing the policy a lit little bit to be in line with where things fit now. So in the event that you were never able to work again, what is it that you would want that money to go towards? Is it that you want the money to pay out majority of, like, the investment mortgage so that way there is a income to support the family?","start_word":1538,"end_word":1987,"sentiment":"neutral","sentiment_score":0.05317550082173613},{"text":"I haven't given it too much thought.","start_word":1988,"end_word":1994,"sentiment":"negative","sentiment_score":-0.4510057270526886},{"text":"Yeah.","start_word":1995,"end_word":1995,"sentiment":"neutral","sentiment_score":-0.2457951307296753},{"text":"It's a bit of a hard question. I know.","start_word":1996,"end_word":2004,"sentiment":"negative","sentiment_score":-0.39473044872283936},{"text":"What would you recommend? So based on your income, which I have sitting at around the $71,500 mark, providing that's still accurate, then what that policy is giving you is it giving you over ten years worth of nearly twelve years worth of your income to basically be able to support the family.","start_word":2005,"end_word":2057,"sentiment":"neutral","sentiment_score":0.23474840566797076},{"text":"So that would be twelve years worth of income that the family is gonna be able to survive on and go from there.","start_word":2058,"end_word":2080,"sentiment":"positive","sentiment_score":0.3855862617492676},{"text":"If you take into consideration the fact that your mortgage is basically, your PPR is already paid for because you've got the money sitting in offset and the investment properties are neutrally geared. It's a matter of, I guess, establishing what does your income pay for within your family and whether there is a, I guess, massive need for twelve years worth of your income. So, for example, say, if you were not working anymore, does your wife's income support like, I know your your kids are are teenagers, so your eldest would be 18. Yes. Youngest, 16. Yeah. Yeah. So that 16 and 18 were on the on the tail end of high school and and schooling. So, obviously, you wanna try and get them through schooling, definitely. But once the kids are through schooling, it's a bit of a question as to what what your wife would need support with financially.","start_word":2081,"end_word":2233,"sentiment":"neutral","sentiment_score":0.07429774105548859},{"text":"Not a lot. If the engine wouldn't either.","start_word":2234,"end_word":2241,"sentiment":"negative","sentiment_score":-0.4722393751144409},{"text":"Okay. So is it is it a matter of sort of I guess your money is more play money, while No. hers is We can't bill paid? no. We no. We both contribute. Yeah. No. Not not trying to deny that that the all the money's used. But I guess at the moment with the kids being on the younger side, it's definitely needed. Yeah.","start_word":2242,"end_word":2306,"sentiment":"neutral","sentiment_score":-0.1461251974105835},{"text":"I'm I haven't got any k.","start_word":2307,"end_word":2312,"sentiment":"negative","sentiment_score":-0.4355030953884125},{"text":"Read away. Okay. Well, what I can do is I I can sort of have a look and quote up some lower premiums, go to market, and see whether it's providers that have a bit of a cheaper offering at on cover to see whether there's a a an avenue that way that we can look at decreasing some of the premiums to better suit where things are at.","start_word":2313,"end_word":2381,"sentiment":"neutral","sentiment_score":0.1988093658633854},{"text":"Because I think, like, you're in a really good position financially. Like, you've got the investment properties and they're neutral, so there's not a lot needing to go into them because, as you said, they're paying for themselves.","start_word":2382,"end_word":2419,"sentiment":"positive","sentiment_score":0.4597644507884979},{"text":"The mortgage is paid off. We don't have any I understand we have debts, obviously, but, you know, they're they're paying for themselves quite nicely at the moment. So what I can do is have a look at some alternatives, and, I guess, it's a a a matter of opening the conversation with your wife to say, hey. My insurance policy covers this. Do how much do you think we actually need? Because twelve years worth of your income, it's not it's not unreasonable. Don't get me wrong. But I also don't wanna be paying for more than we need because the whole point is we're wanting to you to get to the point of actually being at retirement and not always paying for a insurance policy. Insurance policies are basically a thing that you pay for that you hope you never have to claim. It's the same thing on our house. While we pay for house insurance, we actually hope we never have to put a claim in because they're an absolute pain to go through.","start_word":2420,"end_word":2596,"sentiment":"neutral","sentiment_score":0.1039404273033142},{"text":"The downside with this one means we're no longer working or we've this this left the earth.","start_word":2597,"end_word":2613,"sentiment":"negative","sentiment_score":-0.5420056581497192},{"text":"So I just sort of wanna make sure that we are being appropriate. We're not overinsuring as well as obviously not underinsuring. Yes. So I'll have a look at some quotes, go to other insurers, and see whether there's anything appropriate on market that I can look at as well. May I just ask, has anything changed with your health or lifestyle since the policy went in place? We haven't No. picked up smoking, excessive No. drinking, I just we don't. no height or weight change at all? No. Definitely. I haven't grown any or shrunk any. Yeah. It's the shrinking sometimes that hits us. Well, maybe And it's then shrunk a little bit, but yes. No. I've not put over punch weight on. Being a middle aged person, you can attend to. and yeah. No. No. That's perfect. And then I have that we have a diagnosis of diverticulitis and asthma Yeah. that are both controlled. Yeah. Yeah.","start_word":2614,"end_word":2772,"sentiment":"neutral","sentiment_score":-0.03874935219122928},{"text":"Perfect.","start_word":2773,"end_word":2773,"sentiment":"positive","sentiment_score":0.38109397888183594},{"text":"No.","start_word":2774,"end_word":2774,"sentiment":"neutral","sentiment_score":0.2401656061410904},{"text":"That's amazing.","start_word":2775,"end_word":2776,"sentiment":"positive","sentiment_score":0.5259475708007812},{"text":"Now I guess outside of that so what I'll focus my attention on is review of the the underlying asset, look at some different investment modeling, and then look at some insurance. I'll go and do the research, come back to you with outcomes from there. Would next would sort of two weeks from now be appropriate for us to meet, and I can go through the facts and figures when I have them available. Would Wednesday, the thirtieth, be okay?","start_word":2777,"end_word":2857,"sentiment":"neutral","sentiment_score":0.11284275352954865},{"text":"'9 lovely and Tiffany then.","start_word":2858,"end_word":2862,"sentiment":"positive","sentiment_score":0.4472343623638153},{"text":"Okay. Is So so why don't you go if it if you're happy with it, I'm happy with it. I I can put everything together, and I can send it to you. I need you to still sign off on it for me to Well, implement I can do it. that. But yep. I just won't be spending too much attention on it. Okay. Alright. That's okay. Alright. Well, I'll go ahead and get some facts and figures pulled up, and I will go from there and get everything in place. Alright.","start_word":2863,"end_word":2954,"sentiment":"neutral","sentiment_score":0.09308400005102158},{"text":"Perfect.","start_word":2955,"end_word":2955,"sentiment":"positive","sentiment_score":0.366213321685791},{"text":"Well, for today, I do have a, like, a review pack that I am sending you. And inside that pack, it has, like, a summary of where your insurance is, a summary of where your super sits. It has what's called an investment index chart. So it just got over the last thirty years how different asset classes have grown.","start_word":2956,"end_word":3015,"sentiment":"neutral","sentiment_score":0.17767258783181508},{"text":"And then it also got our ongoing service agreement, so that way you're able to stay a client of Oakview.","start_word":3016,"end_word":3035,"sentiment":"positive","sentiment_score":0.3381941020488739},{"text":"So what I'll do is I will send that through to you so you're able to review it and authorize it. And from there, what I will get all of the information emailed through to you within the next two weeks.","start_word":3036,"end_word":3076,"sentiment":"neutral","sentiment_score":0.3051890432834625},{"text":"Sounds good. Alright.","start_word":3077,"end_word":3079,"sentiment":"positive","sentiment_score":0.5508606433868408},{"text":"Did you have any questions at all for me, Greg? No questions whatsoever. Okay. Well, if you do, please feel free to, give us a call, send me an email, and I'm happy to address them. But, otherwise, I'll get that all through to you as quick as I am able.","start_word":3080,"end_word":3130,"sentiment":"neutral","sentiment_score":0.19911904633045197},{"text":"Alright. Cool. Alright. Perfect, Craig. You have a absolutely lovely afternoon. You too. Take care. You Bye.","start_word":3131,"end_word":3147,"sentiment":"positive","sentiment_score":0.6599599719047546},{"text":"too. Bye.","start_word":3148,"end_word":3149,"sentiment":"neutral","sentiment_score":0.22967104613780975}],"average":{"sentiment":"neutral","sentiment_score":0.07827233809368399}}}}