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I don't I think we we close-up at about 03:00 on a Friday. That must have been why. I don't think you've got any daylight savings or anything. Apologies for that. Have you got a bit of time for me now? Or perfect. Okay. So what I'll do is I'm just gonna pop this pack through to your email just so you can have a look at it when you get a chance. And all I wanted to do today was just kind of just run through the updated strategy, see if you're comfortable with it, answer any questions you've got, and to go over the key points together. Also, what kind of come out to you is a statement of advice and an updated agreement, some appendix with some additional research. And we've got all the product disclosure documents as well, so there's another there's probably about seven documents in that email there. Most of it is just informational. Now for the updated strategy, what we've kind of done is we've been having some discussions with our investment committee about some changes that are going on this year because, obviously, the government's brought in some new legislation, and the war on Iran has kind of moved things around a little bit. So what we're doing is we're making a few different changes to the portfolios at the moment. I have included some scoping here just around the retirement goal that you have, updating the hub 24 portfolio, doing a bit of a movement of funds between ART, and just kind of showing you the difference for that salary sacrifice as well. Now just before I jump into the crux of it, did you end up setting up the salary sacrifice into your ARC fund? Perfect. Amazing. So when they sent through the update of these, they just that was the one thing that they didn't include. They just said yes. They didn't actually say any amounts or anything. So just thought I'd double check with you. Cool. Perfect. So this document just has a bit of a tax table that just shows you the differences that that makes both in the projection and in, like, your take home pay and taxes and so on. And the other thing was we were looking at a bit of trauma insurance for you, which was for that, like, heart attack, stroke, and cancer. We weren't doing anything else in terms of replacing your life TBD or income protection because that was all pretty good through ARC at the moment. And just in terms of the state planning, you've already got everything in place for the estate plan as far as wills and beneficiary nominations, so that should all be good. Perfect. Last thing in terms of scoping was just we're not giving you advice in this document about cash flow or debt management. Obviously, you're already paying off the mortgage, and we did have a few notes of saving up for a holiday to The US and Europe, off to the Rockies, and a bit of a river cruise. Did you not going on any holidays? Nice. Fantastic. So just to quickly double check some of the details, we had you as a call center operator on just shy of $80. Has that changed significantly? Perfect. Perfect. And then with the assets and liabilities, so we've got the home, little bit of shares, bit of savings, and you just split it between the different savings accounts and transaction accounts. For the mortgage, is that completely cleared out now? Because I think we had it a 149,000 previously. Amazing. Amazing. Amazing. So now that that's gone, what would be the priority for you at the moment? Just building up the savings? Or And that's just for the renovation. Amazing. And the savings. So I'm just gonna update the file with those ones. Now when it comes to uh-huh. Gotcha. Right. Okay. And, obviously, that's not been approved yet, so it's a bit of a an up and coming thing. Amazing. Perfect. Okay. So I've got all that updated. Thank you so much for that. Alrighty. So when it comes to the main recommendations in the advice document, So as a quick refresher, you're in that high growth risk profile, if that rings a bell. And what we're basically doing here so when you get to that halfway through the document, you'll see, like, a strategy page with quite a lot of text in there. And it basically just goes over the main recommendations, which is we're gonna update the portfolio within hub, do a bit of a switch around with funds from ART into the hub, and then we just put in that salary sacrifice as well. What that's essentially going to do is lower the investment fees, improve the return, and the only sort of main disadvantage is we haven't been able to consolidate the two funds because we can't do transfer terms at this point. There's a bit of brokerage fees, which we factored in there because all of the investments that we recommend, they are ETFs. So you purchase them a little bit up front for about 0.11%. And then from that going forward, they're kind of the lowest fee investments that you can get. Now what you'll see is that ARC have actually changed the name of their investment. So you were previously in an option called a growth portfolio, but they've actually renamed it to high growth because it was actually already in line with the risk profile. It already had heaps and heaps of shares and property. So they just renamed it, but it's still pretty much exactly the same investment as it was before. Yep. Perfect. Now what you'll see in the updated portfolio is there was a couple of options that weren't performing as well and a few that had some really good returns that we're looking to kind of switch out. And, basically, what I've done is I've mixed in something called the BetaShares Australia two hundred as the main Australian shares portion. So it's a passive replacement. So low fees, better performance, and a few options get kind of reweighted back to where they should have originally been because some grow, some dip, and we just wanna bring them back into the middle. Cool. In terms of asset allocation, it's not too much of a difference. So for high growth, you wanna be between 90 to a 100% growth asset. You're sitting at 90.3. With the rebalance, you'll probably be at about 933%. Mhmm. Now when you look in the fee comparison table, it'll show you the current balances. So hub twenty four is at $1.58. ARC is at 33. If we move across the bulk of that into Hub and leave the usual 10,000, it just goes over fee differences. So the extra $20 of salary sacrifice per fortnight, there's about $500 drop in the investment fee. But to move all of the investments around, the super inside under the hood, it pays about $3.35 in capital gains tax to do all of those switches. It's just like a one off internal tax. Yeah. So what I've done is I've factored that into the projection. The average returns bring up from just shy of 10% to about 12.2. And, again, for high growth, we kinda wanna be consistently hitting double digits. Now yes. Salary sacrifice to ART is perfectly fine. If you do have an employer that's okay to split it between two to the funds, that would be ideal, but it's not too much of a trouble for us to do those rollovers on your behalf. Cool. Perfect. Yeah. And that's what I've put in the document too. It's just if you get everything going to ARC, it saves any markups with the payroll system. I have noted a few employers recently just really marking up contributions. So the simpler, the better for those guys, and we can kind of handle the funds from there. Now ten year projection, we're looking at about going from 400,000 to $4.80. Again, bit of a grain of salt. Markets go up and down, but it should be much, much improved. And I've basically included a return table that show you all of the ART returns, the hub 24 returns, and then the new portfolio. So it just has them all side by side over one, three, five, and ten years for you. Perfect. The only other thing was when it comes to the ART insurances, so they've obviously updated the figures there for the life, the TPD, the income protection. It's still very, very low cost under 7 $100. The one that I couldn't do was I had a big call around with all the insurers about the trauma cover, which was that heart attack, stroke, and cancer. We basically set together an affordability limit of about 50 to 100 a month. Now they've improved what they do when it comes to health thresholds, but they did have a cutoff on in terms of BMI. And what ended up happening was they basically go, if you're above a 35 in BMI, they start adding loadings on, which increase the price of it by, like, 50 to a 100%. Now anything above a certain threshold, they basically just decline it straight away, but they're slowly increasing those thresholds. So I didn't recommend it for you at this point because it was coming out to be, you know, $3.04, $500 a month out of pocket if they would accept it. Yeah. Cool. So what I'm basically saying there is you still got the life, PPD, and income protection. We just couldn't get the trauma at this point. If the pricing looks better next time we look at it, I might look at recommending it, but at this point, it's just kind of wasn't worth trying. Cool. That's pretty much it. Everything's looking pretty smooth. The estate planning's good. You've got the the renovations and savings to do, and this just kind of brings everything where it should be for the super. And I did wanna double check. Are you okay with that $20 a fortnight? Perfect. Perfect. So we'll keep track of things and just keep updating it at the next reviews as well. And if you wanna increase or decrease that, just go for it. If something happens throughout the year where you feel like you really need the cash flow, you know, you can stop it through payroll at any point. And if we wanna look at increasing it down the line, I can have that chat with you at the next review. Awesome, Kim. Do you have any questions for me so far? Okay. From there, I do I know you're in the car. Apologies for that. I had a phone lag there. With the contact frequency, I was just gonna ask you, did you want me to pencil in any other catch ups before the end of the year? Do you just prefer to go through the annual review next year? What would be your preference? Cool. And if something pops up, are you okay just to ring in and let us know if you need anything else? Amazing. Amazing. I'll leave that pack with you there. Just quickly, have you ever used our new kind of purple Odoo sign, DocuSign system before? Mhmm. Yeah. It's very, very similar because we've got this new system that we kind of purpose built for ourselves. It works the same way as DocuSign where, basically, when you go into the email, it'll have a sign button. And when you click that purple button, it'll bring open all the documents for you to look through. And then what you can do is because there's eight of them, you can either scroll through each document, like reading the statement of advice. You can also click next document to kind of just switch across to the other one. And then there should be some kind of signing buttons which will drag you down through the signature name and date spot. And then what basically happens is it automatically stamps the signature on. But if you would like to draw it, you can just click on the signature, and it brings open a box to do a bit of a drawing as well. Awesome. Any questions for me before I let you go a few weekends and and to pick up your brother? Awesome, Ken. I really appreciate you taking the time, and I do apologize about the meeting time mix up. I'll make sure I double check that for the next one as well. So I'll leave that pack with you. Any questions, just give us a buzz, but you have a fantastic weekend. Thanks, Kim. 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afternoon, Kim. Tommy here. How are you doing? I'm doing fantastic. It's been a brilliant week.\n\nHappy Friday to you. Thanks. Oh, gotcha. Gotcha. Gotcha.\n\nYes. Sorry. I don't I think we we close-up at about 03:00 on a Friday. That must have been why. I don't think you've got any daylight savings or anything.\n\nApologies for that. Have you got a bit of time for me now? Or perfect. Okay. So what I'll do is I'm just gonna pop this pack through to your email just so you can have a look at it when you get a chance.\n\nAnd all I wanted to do today was just kind of just run through the updated strategy, see if you're comfortable with it, answer any questions you've got, and to go over the key points together. Also, what kind of come out to you is a statement of advice and an updated agreement, some appendix with some additional research. And we've got all the product disclosure documents as well, so there's another there's probably about seven documents in that email there. Most of it is just informational. Now for the updated strategy, what we've kind of done is we've been having some discussions with our investment committee about some changes that are going on this year because, obviously, the government's brought in some new legislation, and the war on Iran has kind of moved things around a little bit.\n\nSo what we're doing is we're making a few different changes to the portfolios at the moment. I have included some scoping here just around the retirement goal that you have, updating the hub 24 portfolio, doing a bit of a movement of funds between ART, and just kind of showing you the difference for that salary sacrifice as well. Now just before I jump into the crux of it, did you end up setting up the salary sacrifice into your ARC fund? Perfect. Amazing.\n\nSo when they sent through the update of these, they just that was the one thing that they didn't include. They just said yes. They didn't actually say any amounts or anything. So just thought I'd double check with you. Cool.\n\nPerfect. So this document just has a bit of a tax table that just shows you the differences that that makes both in the projection and in, like, your take home pay and taxes and so on. And the other thing was we were looking at a bit of trauma insurance for you, which was for that, like, heart attack, stroke, and cancer. We weren't doing anything else in terms of replacing your life TBD or income protection because that was all pretty good through ARC at the moment. And just in terms of the state planning, you've already got everything in place for the estate plan as far as wills and beneficiary nominations, so that should all be good.\n\nPerfect. Last thing in terms of scoping was just we're not giving you advice in this document about cash flow or debt management. Obviously, you're already paying off the mortgage, and we did have a few notes of saving up for a holiday to The US and Europe, off to the Rockies, and a bit of a river cruise. Did you not going on any holidays? Nice.\n\nFantastic. So just to quickly double check some of the details, we had you as a call center operator on just shy of $80. Has that changed significantly? Perfect. Perfect.\n\nAnd then with the assets and liabilities, so we've got the home, little bit of shares, bit of savings, and you just split it between the different savings accounts and transaction accounts. For the mortgage, is that completely cleared out now? Because I think we had it a 149,000 previously. Amazing. Amazing.\n\nAmazing. So now that that's gone, what would be the priority for you at the moment? Just building up the savings? Or And that's just for the renovation. Amazing.\n\nAnd the savings. So I'm just gonna update the file with those ones. Now when it comes to uh-huh. Gotcha. Right.\n\nOkay. And, obviously, that's not been approved yet, so it's a bit of a an up and coming thing. Amazing. Perfect. Okay.\n\nSo I've got all that updated. Thank you so much for that. Alrighty. So when it comes to the main recommendations in the advice document, So as a quick refresher, you're in that high growth risk profile, if that rings a bell. And what we're basically doing here so when you get to that halfway through the document, you'll see, like, a strategy page with quite a lot of text in there.\n\nAnd it basically just goes over the main recommendations, which is we're gonna update the portfolio within hub, do a bit of a switch around with funds from ART into the hub, and then we just put in that salary sacrifice as well. What that's essentially going to do is lower the investment fees, improve the return, and the only sort of main disadvantage is we haven't been able to consolidate the two funds because we can't do transfer terms at this point. There's a bit of brokerage fees, which we factored in there because all of the investments that we recommend, they are ETFs. So you purchase them a little bit up front for about 0.11%. And then from that going forward, they're kind of the lowest fee investments that you can get.\n\nNow what you'll see is that ARC have actually changed the name of their investment. So you were previously in an option called a growth portfolio, but they've actually renamed it to high growth because it was actually already in line with the risk profile. It already had heaps and heaps of shares and property. So they just renamed it, but it's still pretty much exactly the same investment as it was before. Yep.\n\nPerfect. Now what you'll see in the updated portfolio is there was a couple of options that weren't performing as well and a few that had some really good returns that we're looking to kind of switch out. And, basically, what I've done is I've mixed in something called the BetaShares Australia two hundred as the main Australian shares portion. So it's a passive replacement. So low fees, better performance, and a few options get kind of reweighted back to where they should have originally been because some grow, some dip, and we just wanna bring them back into the middle.\n\nCool. In terms of asset allocation, it's not too much of a difference. So for high growth, you wanna be between 90 to a 100% growth asset. You're sitting at 90.3. With the rebalance, you'll probably be at about 933%.\n\nMhmm. Now when you look in the fee comparison table, it'll show you the current balances. So hub twenty four is at $1.58. ARC is at 33. If we move across the bulk of that into Hub and leave the usual 10,000, it just goes over fee differences.\n\nSo the extra $20 of salary sacrifice per fortnight, there's about $500 drop in the investment fee. But to move all of the investments around, the super inside under the hood, it pays about $3.35 in capital gains tax to do all of those switches. It's just like a one off internal tax. Yeah. So what I've done is I've factored that into the projection.\n\nThe average returns bring up from just shy of 10% to about 12.2. And, again, for high growth, we kinda wanna be consistently hitting double digits. Now yes. Salary sacrifice to ART is perfectly fine. If you do have an employer that's okay to split it between two to the funds, that would be ideal, but it's not too much of a trouble for us to do those rollovers on your behalf.\n\nCool. Perfect. Yeah. And that's what I've put in the document too. It's just if you get everything going to ARC, it saves any markups with the payroll system.\n\nI have noted a few employers recently just really marking up contributions. So the simpler, the better for those guys, and we can kind of handle the funds from there. Now ten year projection, we're looking at about going from 400,000 to $4.80. Again, bit of a grain of salt. Markets go up and down, but it should be much, much improved.\n\nAnd I've basically included a return table that show you all of the ART returns, the hub 24 returns, and then the new portfolio. So it just has them all side by side over one, three, five, and ten years for you. Perfect. The only other thing was when it comes to the ART insurances, so they've obviously updated the figures there for the life, the TPD, the income protection. It's still very, very low cost under 7 $100.\n\nThe one that I couldn't do was I had a big call around with all the insurers about the trauma cover, which was that heart attack, stroke, and cancer. We basically set together an affordability limit of about 50 to 100 a month. Now they've improved what they do when it comes to health thresholds, but they did have a cutoff on in terms of BMI. And what ended up happening was they basically go, if you're above a 35 in BMI, they start adding loadings on, which increase the price of it by, like, 50 to a 100%. Now anything above a certain threshold, they basically just decline it straight away, but they're slowly increasing those thresholds.\n\nSo I didn't recommend it for you at this point because it was coming out to be, you know, $3.04, $500 a month out of pocket if they would accept it. Yeah. Cool. So what I'm basically saying there is you still got the life, PPD, and income protection. We just couldn't get the trauma at this point.\n\nIf the pricing looks better next time we look at it, I might look at recommending it, but at this point, it's just kind of wasn't worth trying. Cool. That's pretty much it. Everything's looking pretty smooth. The estate planning's good.\n\nYou've got the the renovations and savings to do, and this just kind of brings everything where it should be for the super. And I did wanna double check. Are you okay with that $20 a fortnight? Perfect. Perfect.\n\nSo we'll keep track of things and just keep updating it at the next reviews as well. And if you wanna increase or decrease that, just go for it. If something happens throughout the year where you feel like you really need the cash flow, you know, you can stop it through payroll at any point. And if we wanna look at increasing it down the line, I can have that chat with you at the next review. Awesome, Kim.\n\nDo you have any questions for me so far? Okay. From there, I do I know you're in the car. Apologies for that. I had a phone lag there.\n\nWith the contact frequency, I was just gonna ask you, did you want me to pencil in any other catch ups before the end of the year? Do you just prefer to go through the annual review next year? What would be your preference? Cool. And if something pops up, are you okay just to ring in and let us know if you need anything else?\n\nAmazing. Amazing. I'll leave that pack with you there. Just quickly, have you ever used our new kind of purple Odoo sign, DocuSign system before? Mhmm.\n\nYeah. It's very, very similar because we've got this new system that we kind of purpose built for ourselves. It works the same way as DocuSign where, basically, when you go into the email, it'll have a sign button. And when you click that purple button, it'll bring open all the documents for you to look through. And then what you can do is because there's eight of them, you can either scroll through each document, like reading the statement of advice.\n\nYou can also click next document to kind of just switch across to the other one. And then there should be some kind of signing buttons which will drag you down through the signature name and date spot. And then what basically happens is it automatically stamps the signature on. But if you would like to draw it, you can just click on the signature, and it brings open a box to do a bit of a drawing as well. Awesome.\n\nAny questions for me before I let you go a few weekends and and to pick up your brother? Awesome, Ken. I really appreciate you taking the time, and I do apologize about the meeting time mix up. I'll make sure I double check that for the next one as well. So I'll leave that pack with you.\n\nAny questions, just give us a buzz, but you have a fantastic weekend. Thanks, Kim. See you later.","paragraphs":[{"sentences":[{"text":"Good afternoon, Kim.","start":1.76,"end":2.96,"sentiment":"positive","sentiment_score":0.47619496782620746},{"text":"Tommy here.","start":2.96,"end":3.52,"sentiment":"positive","sentiment_score":0.4683905243873596},{"text":"How are you doing?","start":3.52,"end":4.34,"sentiment":"positive","sentiment_score":0.3890637308359146},{"text":"I'm doing fantastic.","start":7.2,"end":8.42,"sentiment":"positive","sentiment_score":0.8373827536900839},{"text":"It's been a brilliant week.","start":8.48,"end":9.599999,"sentiment":"positive","sentiment_score":0.8654825687408447}],"sentiment":"positive","sentiment_score":0.6330107047277338,"num_words":17,"start":1.76,"end":9.599999},{"sentences":[{"text":"Happy Friday to you.","start":9.599999,"end":10.9,"sentiment":"positive","sentiment_score":0.7308267802000046},{"text":"Thanks.","start":13.5199995,"end":13.995,"sentiment":"neutral","sentiment_score":0.1273006647825241},{"text":"Oh, gotcha.","start":24.555,"end":25.755,"sentiment":"neutral","sentiment_score":-0.047328025102615356},{"text":"Gotcha.","start":25.755,"end":26.154999,"sentiment":"neutral","sentiment_score":-0.018020596355199817},{"text":"Gotcha.","start":26.154999,"end":26.474998,"sentiment":"neutral","sentiment_score":-0.012622717767953873}],"sentiment":"neutral","sentiment_score":0.3250342690282398,"num_words":9,"start":9.599999,"end":26.474998},{"sentences":[{"text":"Yes.","start":26.474998,"end":26.715,"sentiment":"neutral","sentiment_score":-0.009816830977797508},{"text":"Sorry.","start":26.715,"end":27.035,"sentiment":"neutral","sentiment_score":-0.09444241225719452},{"text":"I don't I think we we close-up at about 03:00 on a Friday.","start":27.035,"end":32.73,"sentiment":"neutral","sentiment_score":-0.17469171377328727},{"text":"That must have been why.","start":33.03,"end":34.57,"sentiment":"neutral","sentiment_score":-0.286740830540657},{"text":"I don't think you've got any daylight savings or anything.","start":35.11,"end":38.87,"sentiment":"neutral","sentiment_score":-0.29315378665924074}],"sentiment":"neutral","sentiment_score":-0.22468311805278063,"num_words":30,"start":26.474998,"end":38.87},{"sentences":[{"text":"Apologies for that.","start":38.87,"end":40.17,"sentiment":"neutral","sentiment_score":-0.25244368116060895},{"text":"Have you got a bit of time for me now?","start":40.79,"end":42.71,"sentiment":"neutral","sentiment_score":-0.025073124375194312},{"text":"Or perfect.","start":42.71,"end":51.575,"sentiment":"neutral","sentiment_score":0.23282618913799527},{"text":"Okay.","start":51.575,"end":52.075,"sentiment":"neutral","sentiment_score":0.1931792199611664},{"text":"So what I'll do is I'm just gonna pop this pack through to your email just so you can have a look at it when you get a chance.","start":52.855003,"end":60.93,"sentiment":"neutral","sentiment_score":0.20206431787589502}],"sentiment":"neutral","sentiment_score":0.12245854509787427,"num_words":45,"start":38.87,"end":60.93},{"sentences":[{"text":"And all I wanted to do today was just kind of just run through the updated strategy, see if you're comfortable with it, answer any questions you've got, and to go over the key points together.","start":61.15,"end":71.49,"sentiment":"neutral","sentiment_score":0.12208744655880663},{"text":"Also, what kind of come out to you is a statement of advice and an updated agreement, some appendix with some additional research.","start":75.135,"end":84.755005,"sentiment":"neutral","sentiment_score":0.003215175283991772},{"text":"And we've got all the product disclosure documents as well, so there's another there's probably about seven documents in that email there.","start":85.31,"end":91.97,"sentiment":"neutral","sentiment_score":0.027328852955675262},{"text":"Most of it is just informational.","start":92.11,"end":93.57,"sentiment":"neutral","sentiment_score":0.05395486454168955},{"text":"Now for the updated strategy, what we've kind of done is we've been having some discussions with our investment committee about some changes that are going on this year because, obviously, the government's brought in some new legislation, and the war on Iran has kind of moved things around a little bit.","start":97.549995,"end":113.37,"sentiment":"neutral","sentiment_score":0.00762277332922587}],"sentiment":"neutral","sentiment_score":0.04165787966218409,"num_words":139,"start":61.15,"end":113.37},{"sentences":[{"text":"So what we're doing is we're making a few different changes to the portfolios at the moment.","start":115.93,"end":120.43,"sentiment":"neutral","sentiment_score":0.059567238478099596},{"text":"I have included some scoping here just around the retirement goal that you have, updating the hub 24 portfolio, doing a bit of a movement of funds between ART, and just kind of showing you the difference for that salary sacrifice as well.","start":120.97,"end":138.875,"sentiment":"neutral","sentiment_score":0.08695928631133812},{"text":"Now just before I jump into the crux of it, did you end up setting up the salary sacrifice into your ARC fund?","start":139.175,"end":147.49,"sentiment":"neutral","sentiment_score":0.01282323625586603},{"text":"Perfect.","start":151.79001,"end":152.29001,"sentiment":"positive","sentiment_score":0.6373869180679321},{"text":"Amazing.","start":153.69499,"end":154.19499,"sentiment":"positive","sentiment_score":0.5225399732589722}],"sentiment":"neutral","sentiment_score":0.07302063165561241,"num_words":85,"start":115.93,"end":154.19499},{"sentences":[{"text":"So when they sent through the update of these, they just that was the one thing that they didn't include.","start":154.415,"end":159.39499,"sentiment":"neutral","sentiment_score":0.014993333164602518},{"text":"They just said yes.","start":159.775,"end":160.655,"sentiment":"neutral","sentiment_score":-0.0361770698800683},{"text":"They didn't actually say any amounts or anything.","start":160.655,"end":162.73499,"sentiment":"neutral","sentiment_score":-0.05756076751276851},{"text":"So just thought I'd double check with you.","start":162.73499,"end":164.915,"sentiment":"neutral","sentiment_score":-0.020555241499096155},{"text":"Cool.","start":166.89499,"end":167.39499,"sentiment":"neutral","sentiment_score":0.2884485721588135}],"sentiment":"neutral","sentiment_score":-0.0044224662479104065,"num_words":41,"start":154.415,"end":167.39499},{"sentences":[{"text":"Perfect.","start":170.03,"end":170.53,"sentiment":"positive","sentiment_score":0.36383306980133057},{"text":"So this document just has a bit of a tax table that just shows you the differences that that makes both in the projection and in, like, your take home pay and taxes and so on.","start":171.39,"end":181.425,"sentiment":"neutral","sentiment_score":0.10622709886067444},{"text":"And the other thing was we were looking at a bit of trauma insurance for you, which was for that, like, heart attack, stroke, and cancer.","start":181.985,"end":189.205,"sentiment":"neutral","sentiment_score":-0.012354011504122844},{"text":"We weren't doing anything else in terms of replacing your life TBD or income protection because that was all pretty good through ARC at the moment.","start":192.785,"end":203.20999,"sentiment":"neutral","sentiment_score":0.04308324722716442},{"text":"And just in terms of the state planning, you've already got everything in place for the estate plan as far as wills and beneficiary nominations, so that should all be good.","start":203.43,"end":213.695,"sentiment":"neutral","sentiment_score":0.22120310702631552}],"sentiment":"neutral","sentiment_score":0.0987022089616706,"num_words":120,"start":170.03,"end":213.695},{"sentences":[{"text":"Perfect.","start":216.955,"end":217.43501,"sentiment":"neutral","sentiment_score":0.1248023882508278},{"text":"Last thing in terms of scoping was just we're not giving you advice in this document about cash flow or debt management.","start":217.43501,"end":224.25,"sentiment":"neutral","sentiment_score":-0.0942207600244067},{"text":"Obviously, you're already paying off the mortgage, and we did have a few notes of saving up for a holiday to The US and Europe, off to the Rockies, and a bit of a river cruise.","start":225.19,"end":236.165,"sentiment":"neutral","sentiment_score":0.010432211242409216},{"text":"Did you not going on any holidays?","start":236.165,"end":238.105,"sentiment":"neutral","sentiment_score":-0.03822721700583186},{"text":"Nice.","start":244.64499,"end":245.14499,"sentiment":"positive","sentiment_score":0.49476563930511475}],"sentiment":"neutral","sentiment_score":-0.0200793971238074,"num_words":67,"start":216.955,"end":245.14499},{"sentences":[{"text":"Fantastic.","start":245.20499,"end":245.70499,"sentiment":"positive","sentiment_score":0.5455315709114075},{"text":"So just to quickly double check some of the details, we had you as a call center operator on just shy of $80.","start":246.00499,"end":255.92,"sentiment":"neutral","sentiment_score":0.08547553411968377},{"text":"Has that changed significantly?","start":256.14,"end":257.52002,"sentiment":"neutral","sentiment_score":-0.009121258277446032},{"text":"Perfect.","start":262.7,"end":263.1,"sentiment":"positive","sentiment_score":0.4380285143852234},{"text":"Perfect.","start":263.1,"end":263.6,"sentiment":"neutral","sentiment_score":0.30710840225219727}],"sentiment":"neutral","sentiment_score":0.10733735797305902,"num_words":30,"start":245.20499,"end":263.6},{"sentences":[{"text":"And then with the assets and liabilities, so we've got the home, little bit of shares, bit of savings, and you just split it between the different savings accounts and transaction accounts.","start":263.735,"end":273.035,"sentiment":"neutral","sentiment_score":0.04686648980714381},{"text":"For the mortgage, is that completely cleared out now?","start":274.055,"end":277.495,"sentiment":"neutral","sentiment_score":-0.07911990044845475},{"text":"Because I think we had it a 149,000 previously.","start":277.495,"end":280.61002,"sentiment":"neutral","sentiment_score":-0.17088622517055935},{"text":"Amazing.","start":284.67,"end":285.17,"sentiment":"neutral","sentiment_score":0.2470477968454361},{"text":"Amazing.","start":285.39,"end":285.71,"sentiment":"neutral","sentiment_score":0.23979300260543823}],"sentiment":"neutral","sentiment_score":-0.005067051101762515,"num_words":52,"start":263.735,"end":285.71},{"sentences":[{"text":"Amazing.","start":285.71,"end":286.03,"sentiment":"neutral","sentiment_score":0.22887378931045532},{"text":"So now that that's gone, what would be the priority for you at the moment?","start":286.03,"end":290.35,"sentiment":"neutral","sentiment_score":0.02395361413558324},{"text":"Just building up the savings?","start":290.35,"end":291.73,"sentiment":"neutral","sentiment_score":0.012711707875132561},{"text":"Or And that's just for the renovation.","start":291.79,"end":308.87,"sentiment":"neutral","sentiment_score":0.0008719000366649457},{"text":"Amazing.","start":312.93,"end":313.43,"sentiment":"neutral","sentiment_score":0.2622722089290619}],"sentiment":"neutral","sentiment_score":0.03172800172088218,"num_words":29,"start":285.71,"end":313.43},{"sentences":[{"text":"And the savings.","start":314.05002,"end":315.19,"sentiment":"neutral","sentiment_score":0.10385831942160924},{"text":"So I'm just gonna update the file with those ones.","start":315.33002,"end":317.59,"sentiment":"neutral","sentiment_score":0.07704041562974454},{"text":"Now when it comes to uh-huh.","start":318.61002,"end":329.495,"sentiment":"neutral","sentiment_score":-0.04612661090989908},{"text":"Gotcha.","start":329.495,"end":329.995,"sentiment":"neutral","sentiment_score":-0.020318711176514626},{"text":"Right.","start":331.895,"end":332.295,"sentiment":"neutral","sentiment_score":-0.0310506671667099}],"sentiment":"neutral","sentiment_score":0.035897622417126386,"num_words":21,"start":314.05002,"end":332.295},{"sentences":[{"text":"Okay.","start":332.295,"end":332.795,"sentiment":"neutral","sentiment_score":-0.03743458911776543},{"text":"And, obviously, that's not been approved yet, so it's a bit of a an up and coming thing.","start":333.91,"end":337.85,"sentiment":"neutral","sentiment_score":-0.1316035362995333},{"text":"Amazing.","start":357.36502,"end":357.86502,"sentiment":"positive","sentiment_score":0.5679174065589905},{"text":"Perfect.","start":360.68002,"end":361.18002,"sentiment":"positive","sentiment_score":0.5970975160598755},{"text":"Okay.","start":361.72,"end":362.12003,"sentiment":"neutral","sentiment_score":0.306057870388031}],"sentiment":"neutral","sentiment_score":-0.04251024770465764,"num_words":22,"start":332.295,"end":362.12003},{"sentences":[{"text":"So I've got all that updated.","start":362.12003,"end":363.48,"sentiment":"positive","sentiment_score":0.3932621528704961},{"text":"Thank you so much for that.","start":363.48,"end":364.86002,"sentiment":"positive","sentiment_score":0.7599299152692159},{"text":"Alrighty.","start":366.36002,"end":366.86002,"sentiment":"neutral","sentiment_score":0.18996933102607727},{"text":"So when it comes to the main recommendations in the advice document, So as a quick refresher, you're in that high growth risk profile, if that rings a bell.","start":367.40002,"end":377.04498,"sentiment":"neutral","sentiment_score":0.03748275763515768},{"text":"And what we're basically doing here so when you get to that halfway through the document, you'll see, like, a strategy page with quite a lot of text in there.","start":380.06497,"end":387.48,"sentiment":"neutral","sentiment_score":0.0735693116982778}],"sentiment":"neutral","sentiment_score":0.14448890364211467,"num_words":72,"start":362.12003,"end":387.48},{"sentences":[{"text":"And it basically just goes over the main recommendations, which is we're gonna update the portfolio within hub, do a bit of a switch around with funds from ART into the hub, and then we just put in that salary sacrifice as well.","start":387.64,"end":402.105,"sentiment":"neutral","sentiment_score":0.07479046311142833},{"text":"What that's essentially going to do is lower the investment fees, improve the return, and the only sort of main disadvantage is we haven't been able to consolidate the two funds because we can't do transfer terms at this point.","start":402.905,"end":422.37,"sentiment":"neutral","sentiment_score":-0.035786230489611624},{"text":"There's a bit of brokerage fees, which we factored in there because all of the investments that we recommend, they are ETFs.","start":422.37,"end":428.31,"sentiment":"neutral","sentiment_score":-0.007935675538399002},{"text":"So you purchase them a little bit up front for about 0.11%.","start":428.92502,"end":432.86502,"sentiment":"neutral","sentiment_score":0.09669664564232032},{"text":"And then from that going forward, they're kind of the lowest fee investments that you can get.","start":433.245,"end":438.14502,"sentiment":"neutral","sentiment_score":0.11350128580542172}],"sentiment":"neutral","sentiment_score":0.03507341372210588,"num_words":134,"start":387.64,"end":438.14502},{"sentences":[{"text":"Now what you'll see is that ARC have actually changed the name of their investment.","start":441.76,"end":446.9,"sentiment":"neutral","sentiment_score":0.04513831734657288},{"text":"So you were previously in an option called a growth portfolio, but they've actually renamed it to high growth because it was actually already in line with the risk profile.","start":447.44,"end":458.855,"sentiment":"neutral","sentiment_score":0.05239938572049141},{"text":"It already had heaps and heaps of shares and property.","start":458.855,"end":461.515,"sentiment":"neutral","sentiment_score":0.06775261163711548},{"text":"So they just renamed it, but it's still pretty much exactly the same investment as it was before.","start":461.655,"end":467.195,"sentiment":"neutral","sentiment_score":0.11544320732355118},{"text":"Yep.","start":469.415,"end":469.86,"sentiment":"positive","sentiment_score":0.4712329804897308}],"sentiment":"neutral","sentiment_score":0.07399720487159651,"num_words":74,"start":441.76,"end":469.86},{"sentences":[{"text":"Perfect.","start":470.58,"end":471.08,"sentiment":"positive","sentiment_score":0.7310950756072998},{"text":"Now what you'll see in the updated portfolio is there was a couple of options that weren't performing as well and a few that had some really good returns that we're looking to kind of switch out.","start":471.3,"end":481.4,"sentiment":"neutral","sentiment_score":0.16979231232324163},{"text":"And, basically, what I've done is I've mixed in something called the BetaShares Australia two hundred as the main Australian shares portion.","start":481.46,"end":490.80502,"sentiment":"neutral","sentiment_score":0.15496953373605554},{"text":"So it's a passive replacement.","start":491.665,"end":494.245,"sentiment":"neutral","sentiment_score":0.2726021885871887},{"text":"So low fees, better performance, and a few options get kind of reweighted back to where they should have originally been because some grow, some dip, and we just wanna bring them back into the middle.","start":494.625,"end":507.13998,"sentiment":"neutral","sentiment_score":0.22899242283569443}],"sentiment":"neutral","sentiment_score":0.198311668700806,"num_words":101,"start":470.58,"end":507.13998},{"sentences":[{"text":"Cool.","start":510.055,"end":510.555,"sentiment":"positive","sentiment_score":0.5107947587966919},{"text":"In terms of asset allocation, it's not too much of a difference.","start":510.695,"end":514.055,"sentiment":"neutral","sentiment_score":0.19013611661891142},{"text":"So for high growth, you wanna be between 90 to a 100% growth asset.","start":514.055,"end":518.155,"sentiment":"neutral","sentiment_score":0.25523500570229124},{"text":"You're sitting at 90.3.","start":518.295,"end":520.235,"sentiment":"neutral","sentiment_score":0.24852268397808075},{"text":"With the rebalance, you'll probably be at about 933%.","start":520.535,"end":525.41,"sentiment":"neutral","sentiment_score":0.23927926354938084}],"sentiment":"neutral","sentiment_score":0.2378330586478114,"num_words":40,"start":510.055,"end":525.41},{"sentences":[{"text":"Mhmm.","start":526.43,"end":526.93,"sentiment":"neutral","sentiment_score":0.04864045977592468},{"text":"Now when you look in the fee comparison table, it'll show you the current balances.","start":527.63,"end":533.08997,"sentiment":"neutral","sentiment_score":0.05870710412661235},{"text":"So hub twenty four is at $1.58.","start":533.14996,"end":535.485,"sentiment":"neutral","sentiment_score":0.05891668636884008},{"text":"ARC is at 33.","start":535.885,"end":537.505,"sentiment":"neutral","sentiment_score":0.04536330699920654},{"text":"If we move across the bulk of that into Hub and leave the usual 10,000, it just goes over fee differences.","start":537.725,"end":544.785,"sentiment":"neutral","sentiment_score":0.08405786539827075}],"sentiment":"neutral","sentiment_score":0.06850692140869796,"num_words":48,"start":526.43,"end":544.785},{"sentences":[{"text":"So the extra $20 of salary sacrifice per fortnight, there's about $500 drop in the investment fee.","start":545.485,"end":552.81,"sentiment":"neutral","sentiment_score":0.12423104486044716},{"text":"But to move all of the investments around, the super inside under the hood, it pays about $3.35 in capital gains tax to do all of those switches.","start":553.27,"end":563.54504,"sentiment":"neutral","sentiment_score":0.11440097859927587},{"text":"It's just like a one off internal tax.","start":563.765,"end":566.825,"sentiment":"neutral","sentiment_score":0.05337303690612316},{"text":"Yeah.","start":569.28503,"end":569.60504,"sentiment":"neutral","sentiment_score":0.17166316509246826},{"text":"So what I've done is I've factored that into the projection.","start":569.60504,"end":571.945,"sentiment":"neutral","sentiment_score":0.2175210023468191}],"sentiment":"neutral","sentiment_score":0.12779282537790446,"num_words":65,"start":545.485,"end":571.945},{"sentences":[{"text":"The average returns bring up from just shy of 10% to about 12.2.","start":572.405,"end":577.79004,"sentiment":"positive","sentiment_score":0.33930961787700653},{"text":"And, again, for high growth, we kinda wanna be consistently hitting double digits.","start":577.93005,"end":581.95,"sentiment":"positive","sentiment_score":0.33461967225258166},{"text":"Now yes.","start":586.97003,"end":591.87006,"sentiment":"neutral","sentiment_score":0.023835815489292145},{"text":"Salary sacrifice to ART is perfectly fine.","start":592.21497,"end":594.875,"sentiment":"neutral","sentiment_score":0.2802223227918148},{"text":"If you do have an employer that's okay to split it between two to the funds, that would be ideal, but it's not too much of a trouble for us to do those rollovers on your behalf.","start":594.935,"end":604.95,"sentiment":"neutral","sentiment_score":0.10451567626079998}],"sentiment":"neutral","sentiment_score":0.20329706505354908,"num_words":72,"start":572.405,"end":604.95},{"sentences":[{"text":"Cool.","start":609.59,"end":610.09,"sentiment":"positive","sentiment_score":0.5608293414115906},{"text":"Perfect.","start":611.99,"end":612.49,"sentiment":"positive","sentiment_score":0.7281680107116699},{"text":"Yeah.","start":617.185,"end":617.42505,"sentiment":"neutral","sentiment_score":0.16660401225090027},{"text":"And that's what I've put in the document too.","start":617.42505,"end":619.585,"sentiment":"neutral","sentiment_score":0.21577915218141344},{"text":"It's just if you get everything going to ARC, it saves any markups with the payroll system.","start":619.585,"end":624.405,"sentiment":"neutral","sentiment_score":0.21356465360697577}],"sentiment":"neutral","sentiment_score":0.2423521670801886,"num_words":29,"start":609.59,"end":624.405},{"sentences":[{"text":"I have noted a few employers recently just really marking up contributions.","start":625.025,"end":628.885,"sentiment":"neutral","sentiment_score":0.1687808483839035},{"text":"So the simpler, the better for those guys, and we can kind of handle the funds from there.","start":629.185,"end":635.06,"sentiment":"neutral","sentiment_score":0.22564064214626947},{"text":"Now ten year projection, we're looking at about going from 400,000 to $4.80.","start":638.56,"end":643.78,"sentiment":"neutral","sentiment_score":0.19957916667828193},{"text":"Again, bit of a grain of salt.","start":643.84,"end":645.36,"sentiment":"neutral","sentiment_score":0.03279453569224903},{"text":"Markets go up and down, but it should be much, much improved.","start":645.36,"end":648.70496,"sentiment":"neutral","sentiment_score":0.21167641257246336}],"sentiment":"neutral","sentiment_score":0.18469531623826874,"num_words":62,"start":625.025,"end":648.70496},{"sentences":[{"text":"And I've basically included a return table that show you all of the ART returns, the hub 24 returns, and then the new portfolio.","start":649.40497,"end":658.625,"sentiment":"neutral","sentiment_score":0.24759930682679018},{"text":"So it just has them all side by side over one, three, five, and ten years for you.","start":658.925,"end":664.42,"sentiment":"neutral","sentiment_score":0.22147879666752285},{"text":"Perfect.","start":668.16003,"end":668.66003,"sentiment":"positive","sentiment_score":0.49721360206604},{"text":"The only other thing was when it comes to the ART insurances, so they've obviously updated the figures there for the life, the TPD, the income protection.","start":669.12,"end":677.075,"sentiment":"neutral","sentiment_score":0.12302329777567475},{"text":"It's still very, very low cost under 7 $100.","start":677.535,"end":682.035,"sentiment":"neutral","sentiment_score":0.1772819740904702}],"sentiment":"neutral","sentiment_score":0.19422002674280842,"num_words":79,"start":649.40497,"end":682.035},{"sentences":[{"text":"The one that I couldn't do was I had a big call around with all the insurers about the trauma cover, which was that heart attack, stroke, and cancer.","start":683.135,"end":691.8,"sentiment":"neutral","sentiment_score":-0.1539095475755889},{"text":"We basically set together an affordability limit of about 50 to 100 a month.","start":693.22,"end":698.75995,"sentiment":"neutral","sentiment_score":0.0036128655608211246},{"text":"Now they've improved what they do when it comes to health thresholds, but they did have a cutoff on in terms of BMI.","start":699.45996,"end":708.685,"sentiment":"neutral","sentiment_score":-0.00719381447719491},{"text":"And what ended up happening was they basically go, if you're above a 35 in BMI, they start adding loadings on, which increase the price of it by, like, 50 to a 100%.","start":709.225,"end":721.12,"sentiment":"neutral","sentiment_score":-0.00978434054096314},{"text":"Now anything above a certain threshold, they basically just decline it straight away, but they're slowly increasing those thresholds.","start":724.3,"end":731.51996,"sentiment":"neutral","sentiment_score":-0.15919957388388484}],"sentiment":"neutral","sentiment_score":-0.06716889522425136,"num_words":118,"start":683.135,"end":731.51996},{"sentences":[{"text":"So I didn't recommend it for you at this point because it was coming out to be, you know, $3.04, $500 a month out of pocket if they would accept it.","start":732.015,"end":743.395,"sentiment":"neutral","sentiment_score":-0.32070016091869724},{"text":"Yeah.","start":746.09503,"end":746.59503,"sentiment":"neutral","sentiment_score":-0.14606592059135437},{"text":"Cool.","start":748.49,"end":748.88995,"sentiment":"neutral","sentiment_score":-0.06053069233894348},{"text":"So what I'm basically saying there is you still got the life, PPD, and income protection.","start":748.88995,"end":753.07,"sentiment":"neutral","sentiment_score":-0.07721375278197229},{"text":"We just couldn't get the trauma at this point.","start":753.20996,"end":755.63,"sentiment":"neutral","sentiment_score":-0.24888580871952903}],"sentiment":"neutral","sentiment_score":-0.23489127455857292,"num_words":58,"start":732.015,"end":755.63},{"sentences":[{"text":"If the pricing looks better next time we look at it, I might look at recommending it, but at this point, it's just kind of wasn't worth trying.","start":755.69,"end":763.73505,"sentiment":"neutral","sentiment_score":-0.2420165597328118},{"text":"Cool.","start":768.67505,"end":769.17505,"sentiment":"neutral","sentiment_score":0.25946569442749023},{"text":"That's pretty much it.","start":770.03503,"end":771.075,"sentiment":"positive","sentiment_score":0.43592851608991623},{"text":"Everything's looking pretty smooth.","start":771.075,"end":772.35504,"sentiment":"positive","sentiment_score":0.6313125938177109},{"text":"The estate planning's good.","start":772.35504,"end":773.73,"sentiment":"positive","sentiment_score":0.6481351852416992}],"sentiment":"neutral","sentiment_score":0.008402614695269888,"num_words":41,"start":755.69,"end":773.73},{"sentences":[{"text":"You've got the the renovations and savings to do, and this just kind of brings everything where it should be for the super.","start":773.97,"end":780.70996,"sentiment":"positive","sentiment_score":0.5689280875351118},{"text":"And I did wanna double check.","start":781.57,"end":783.01,"sentiment":"neutral","sentiment_score":0.07890358132620652},{"text":"Are you okay with that $20 a fortnight?","start":783.01,"end":785.11,"sentiment":"neutral","sentiment_score":0.03570087254047394},{"text":"Perfect.","start":791.07495,"end":791.555,"sentiment":"positive","sentiment_score":0.5288744568824768},{"text":"Perfect.","start":791.555,"end":791.95496,"sentiment":"positive","sentiment_score":0.49887198209762573}],"sentiment":"positive","sentiment_score":0.381336433860736,"num_words":39,"start":773.97,"end":791.95496},{"sentences":[{"text":"So we'll keep track of things and just keep updating it at the next reviews as well.","start":791.95496,"end":796.69495,"sentiment":"positive","sentiment_score":0.3433165076900931},{"text":"And if you wanna increase or decrease that, just go for it.","start":797.63495,"end":800.91,"sentiment":"neutral","sentiment_score":0.14975613417724767},{"text":"If something happens throughout the year where you feel like you really need the cash flow, you know, you can stop it through payroll at any point.","start":800.99,"end":809.00995,"sentiment":"neutral","sentiment_score":0.1255729671705652},{"text":"And if we wanna look at increasing it down the line, I can have that chat with you at the next review.","start":809.06995,"end":813.56995,"sentiment":"neutral","sentiment_score":0.12925530360503631},{"text":"Awesome, Kim.","start":817.36505,"end":818.005,"sentiment":"positive","sentiment_score":0.4051384776830673}],"sentiment":"neutral","sentiment_score":0.18347272486425936,"num_words":80,"start":791.95496,"end":818.005},{"sentences":[{"text":"Do you have any questions for me so far?","start":818.005,"end":819.945,"sentiment":"neutral","sentiment_score":0.18048730078670713},{"text":"Okay.","start":824.405,"end":824.905,"sentiment":"neutral","sentiment_score":-0.037830010056495667},{"text":"From there, I do I know you're in the car.","start":825.525,"end":827.705,"sentiment":"neutral","sentiment_score":-0.09524668492376805},{"text":"Apologies for that.","start":829.88,"end":830.68,"sentiment":"neutral","sentiment_score":-0.17770576973756155},{"text":"I had a phone lag there.","start":830.68,"end":833.02,"sentiment":"negative","sentiment_score":-0.33736864229043323}],"sentiment":"neutral","sentiment_score":-0.06631863155755503,"num_words":29,"start":818.005,"end":833.02},{"sentences":[{"text":"With the contact frequency, I was just gonna ask you, did you want me to pencil in any other catch ups before the end of the year?","start":834.27997,"end":843.705,"sentiment":"neutral","sentiment_score":-0.08805678019093142},{"text":"Do you just prefer to go through the annual review next year?","start":843.705,"end":846.905,"sentiment":"neutral","sentiment_score":-0.031661579540620245},{"text":"What would be your preference?","start":846.905,"end":848.04504,"sentiment":"neutral","sentiment_score":-0.003277730569243431},{"text":"Cool.","start":854.48004,"end":854.72003,"sentiment":"positive","sentiment_score":0.5820015072822571},{"text":"And if something pops up, are you okay just to ring in and let us know if you need anything else?","start":854.72003,"end":859.06,"sentiment":"neutral","sentiment_score":0.1554186429296221}],"sentiment":"neutral","sentiment_score":0.016241399035083526,"num_words":66,"start":834.27997,"end":859.06},{"sentences":[{"text":"Amazing.","start":866.0,"end":866.5,"sentiment":"positive","sentiment_score":0.6840962171554565},{"text":"Amazing.","start":867.44,"end":867.94,"sentiment":"positive","sentiment_score":0.7078128457069397},{"text":"I'll leave that pack with you there.","start":868.425,"end":870.205,"sentiment":"positive","sentiment_score":0.5008232252938407},{"text":"Just quickly, have you ever used our new kind of purple Odoo sign, DocuSign system before?","start":871.145,"end":876.685,"sentiment":"neutral","sentiment_score":0.07188236643560231},{"text":"Mhmm.","start":891.11,"end":891.35,"sentiment":"neutral","sentiment_score":0.030879691243171692}],"sentiment":"neutral","sentiment_score":0.23379496900508037,"num_words":26,"start":866.0,"end":891.35},{"sentences":[{"text":"Yeah.","start":891.35,"end":891.75,"sentiment":"neutral","sentiment_score":0.07735221087932587},{"text":"It's very, very similar because we've got this new system that we kind of purpose built for ourselves.","start":891.75,"end":897.395,"sentiment":"neutral","sentiment_score":0.16109442338347435},{"text":"It works the same way as DocuSign where, basically, when you go into the email, it'll have a sign button.","start":897.935,"end":904.435,"sentiment":"neutral","sentiment_score":0.1155473655089736},{"text":"And when you click that purple button, it'll bring open all the documents for you to look through.","start":904.655,"end":909.09,"sentiment":"neutral","sentiment_score":0.14747901343637043},{"text":"And then what you can do is because there's eight of them, you can either scroll through each document, like reading the statement of advice.","start":909.89,"end":917.03,"sentiment":"neutral","sentiment_score":0.10922803252935409}],"sentiment":"neutral","sentiment_score":0.13016246581768118,"num_words":82,"start":891.35,"end":917.03},{"sentences":[{"text":"You can also click next document to kind of just switch across to the other one.","start":917.09,"end":921.75,"sentiment":"neutral","sentiment_score":0.08884479361586273},{"text":"And then there should be some kind of signing buttons which will drag you down through the signature name and date spot.","start":923.645,"end":930.78503,"sentiment":"neutral","sentiment_score":0.12568047778172928},{"text":"And then what basically happens is it automatically stamps the signature on.","start":930.84503,"end":935.58,"sentiment":"neutral","sentiment_score":0.11092521933217843},{"text":"But if you would like to draw it, you can just click on the signature, and it brings open a box to do a bit of a drawing as well.","start":935.58,"end":942.08,"sentiment":"neutral","sentiment_score":0.1358202909429868},{"text":"Awesome.","start":946.46,"end":946.96,"sentiment":"positive","sentiment_score":0.6621323823928833}],"sentiment":"neutral","sentiment_score":0.12659667841630218,"num_words":81,"start":917.09,"end":946.96},{"sentences":[{"text":"Any questions for me before I let you go a few weekends and and to pick up your brother?","start":947.58,"end":951.465,"sentiment":"neutral","sentiment_score":0.21080104261636734},{"text":"Awesome, Ken.","start":957.705,"end":958.585,"sentiment":"positive","sentiment_score":0.7900419235229492},{"text":"I really appreciate you taking the time, and I do apologize about the meeting time mix up.","start":958.585,"end":963.84,"sentiment":"positive","sentiment_score":0.41886746708084555},{"text":"I'll make sure I double check that for the next one as well.","start":964.4,"end":967.86005,"sentiment":"neutral","sentiment_score":0.303392421740752},{"text":"So I'll leave that pack with you.","start":972.48004,"end":974.0,"sentiment":"positive","sentiment_score":0.3727430488382067}],"sentiment":"neutral","sentiment_score":0.33205781761428405,"num_words":58,"start":947.58,"end":974.0},{"sentences":[{"text":"Any questions, just give us a buzz, but you have a fantastic weekend.","start":974.0,"end":978.9,"sentiment":"positive","sentiment_score":0.5120376531894391},{"text":"Thanks, Kim.","start":983.665,"end":984.385,"sentiment":"positive","sentiment_score":0.7055954933166504},{"text":"See you later.","start":984.385,"end":985.125,"sentiment":"positive","sentiment_score":0.6018634835879008}],"sentiment":"positive","sentiment_score":0.5485150516033173,"num_words":18,"start":974.0,"end":985.125}]}}]},{"alternatives":[{"transcript":"Good. Thanks. Yourself? To you too. Yeah. Sorry about that. The 12:00 appointment was supposed to be for last Friday, but because something was late, it was delayed to this week. And then this one, she'd said it was for 03:30. So that's why I wasn't expecting your call. No. That's alright. Yeah. Yeah. No problem. I'm just on the way to go pick my brother-in-law up to take him to a specialist appointment, so I'm good at the moment. Yes. Not a problem. Mhmm. Right. Yes. That's all good. Mhmm. Yes. Yep. I did for the last financial year. So I was doing 20 a fortnight. Yep. No. That's alright. Yeah. It was 20 a fortnight I set it up for. Mhmm. Right. Right. Yes. That's all done. Not at the moment, but I have paid the home loan out. Yes. No. That's still the same. Is it that that's completely gone. Well, building up the savings, but also doing some repairs on the current home. So there is another home there is another home loan I've applied for, which I haven't got yet, but that's for 40,000. Yes. I don't book for this down there. I I don't I only bank with Suncorp now. Once I paid out the home, I don't need to close everything with our ACQ because they're moving across. It's still in the process. They're sending out communications and all that. So at the moment, it is expected to be in October. But, yeah, in July beginning of July, I closed down all the RACQ accounts. So now everything's with some call to speak with them beginning of the year. Uh-huh. Yep. Yep. Uh-huh. Yes. Yep. Yep. Yep. Mhmm. Okay. Yep. So you still want me to do the Surrey sacrifice the ART? Yep. Yep. I can have a look at that. It it should finish it with it just do it. I got taste, so that's why I didn't get it with that one. Yep. Yep. Not a problem. Not a problem. Right. Okay. Right. Yep. Yep. No. That's right. I believe that one's invalid. Not a problem. Yeah. Yeah. That's fine. That's not affecting anything. Not a problem. Not at this stage. No. At this stage, still happy with the annual review. Oh, yeah. If anything pops up or 7¢ to change, I can just call through. That's no problem. Yes. Well, I've used DocuSign. But I I don't know if it's the same as the one you've got. Yep. Yep. Yep. That's not a problem. Not that I can think of at the time. It's nice. Thank you very much. No. That's all good. Not a problem. Will do. You too. Thanks very much. 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Thanks. Yourself? To you too. Yeah.\n\nSorry about that. The 12:00 appointment was supposed to be for last Friday, but because something was late, it was delayed to this week. And then this one, she'd said it was for 03:30. So that's why I wasn't expecting your call. No.\n\nThat's alright. Yeah. Yeah. No problem. I'm just on the way to go pick my brother-in-law up to take him to a specialist appointment, so I'm good at the moment.\n\nYes. Not a problem. Mhmm. Right. Yes.\n\nThat's all good. Mhmm. Yes. Yep. I did for the last financial year.\n\nSo I was doing 20 a fortnight. Yep. No. That's alright. Yeah.\n\nIt was 20 a fortnight I set it up for. Mhmm. Right. Right. Yes.\n\nThat's all done. Not at the moment, but I have paid the home loan out. Yes. No. That's still the same.\n\nIs it that that's completely gone. Well, building up the savings, but also doing some repairs on the current home. So there is another home there is another home loan I've applied for, which I haven't got yet, but that's for 40,000. Yes. I don't book for this down there.\n\nI I don't I only bank with Suncorp now. Once I paid out the home, I don't need to close everything with our ACQ because they're moving across. It's still in the process. They're sending out communications and all that. So at the moment, it is expected to be in October.\n\nBut, yeah, in July beginning of July, I closed down all the RACQ accounts. So now everything's with some call to speak with them beginning of the year. Uh-huh. Yep. Yep.\n\nUh-huh. Yes. Yep. Yep. Yep.\n\nMhmm. Okay. Yep. So you still want me to do the Surrey sacrifice the ART? Yep.\n\nYep. I can have a look at that. It it should finish it with it just do it. I got taste, so that's why I didn't get it with that one. Yep.\n\nYep. Not a problem. Not a problem. Right. Okay.\n\nRight. Yep. Yep. No. That's right.\n\nI believe that one's invalid. Not a problem. Yeah. Yeah. That's fine.\n\nThat's not affecting anything. Not a problem. Not at this stage. No. At this stage, still happy with the annual review.\n\nOh, yeah. If anything pops up or 7¢ to change, I can just call through. That's no problem. Yes. Well, I've used DocuSign.\n\nBut I I don't know if it's the same as the one you've got. Yep. Yep. Yep. That's not a problem.\n\nNot that I can think of at the time. It's nice. Thank you very much. No. That's all good.\n\nNot a problem. Will do. You too. Thanks very much. Bye.","paragraphs":[{"sentences":[{"text":"Good.","start":5.04,"end":5.2799997,"sentiment":"positive","sentiment_score":0.582654595375061},{"text":"Thanks.","start":5.2799997,"end":5.6,"sentiment":"positive","sentiment_score":0.687079668045044},{"text":"Yourself?","start":5.6,"end":6.1,"sentiment":"positive","sentiment_score":0.5338081121444702},{"text":"To you too.","start":11.759999,"end":12.555,"sentiment":"positive","sentiment_score":0.3447692195574443},{"text":"Yeah.","start":12.795,"end":12.955,"sentiment":"neutral","sentiment_score":0.08554061502218246}],"sentiment":"positive","sentiment_score":0.4176272356084415,"num_words":7,"start":5.04,"end":12.955},{"sentences":[{"text":"Sorry about that.","start":12.955,"end":13.755,"sentiment":"neutral","sentiment_score":-0.0028079996506373077},{"text":"The 12:00 appointment was supposed to be for last Friday, but because something was late, it was delayed to this week.","start":13.755,"end":19.275,"sentiment":"neutral","sentiment_score":-0.1597266285901978},{"text":"And then this one, she'd said it was for 03:30.","start":19.275,"end":21.755001,"sentiment":"neutral","sentiment_score":-0.1447442077100277},{"text":"So that's why I wasn't expecting your call.","start":21.755001,"end":23.615,"sentiment":"neutral","sentiment_score":-0.17648671939969063},{"text":"No.","start":40.67,"end":40.99,"sentiment":"neutral","sentiment_score":-0.05804975330829621}],"sentiment":"neutral","sentiment_score":-0.1460481112779573,"num_words":43,"start":12.955,"end":40.99},{"sentences":[{"text":"That's alright.","start":40.99,"end":41.73,"sentiment":"neutral","sentiment_score":-0.019544155104085803},{"text":"Yeah.","start":43.684998,"end":44.085,"sentiment":"neutral","sentiment_score":0.013540085405111313},{"text":"Yeah.","start":44.085,"end":44.405,"sentiment":"neutral","sentiment_score":0.04672842472791672},{"text":"No problem.","start":44.405,"end":45.045,"sentiment":"neutral","sentiment_score":0.16187504678964615},{"text":"I'm just on the way to go pick my brother-in-law up to take him to a specialist appointment, so I'm good at the moment.","start":45.045,"end":51.464996,"sentiment":"neutral","sentiment_score":0.25504650734364986}],"sentiment":"neutral","sentiment_score":0.21553488232505819,"num_words":30,"start":40.99,"end":51.464996},{"sentences":[{"text":"Yes.","start":61.78,"end":62.28,"sentiment":"neutral","sentiment_score":0.16646736860275269},{"text":"Not a problem.","start":69.075005,"end":73.495,"sentiment":"neutral","sentiment_score":-0.12572677185138068},{"text":"Mhmm.","start":83.549995,"end":84.049995,"sentiment":"neutral","sentiment_score":-0.008630314841866493},{"text":"Right.","start":92.829994,"end":93.329994,"sentiment":"neutral","sentiment_score":0.03750760108232498},{"text":"Yes.","start":95.149994,"end":95.47,"sentiment":"neutral","sentiment_score":0.170332670211792}],"sentiment":"neutral","sentiment_score":-0.0016432843570198332,"num_words":7,"start":61.78,"end":95.47},{"sentences":[{"text":"That's all good.","start":95.47,"end":96.369995,"sentiment":"neutral","sentiment_score":0.2537806012357275},{"text":"Mhmm.","start":114.35,"end":114.85,"sentiment":"neutral","sentiment_score":0.026495758444070816},{"text":"Yes.","start":128.045,"end":128.545,"sentiment":"neutral","sentiment_score":0.10339216142892838},{"text":"Yep.","start":139.8,"end":140.3,"sentiment":"neutral","sentiment_score":0.03110188990831375},{"text":"I did for the last financial year.","start":148.28,"end":150.52,"sentiment":"neutral","sentiment_score":0.009875133367521422}],"sentiment":"neutral","sentiment_score":0.07626596515854964,"num_words":13,"start":95.47,"end":150.52},{"sentences":[{"text":"So I was doing 20 a fortnight.","start":150.52,"end":152.06,"sentiment":"neutral","sentiment_score":0.030070007645658085},{"text":"Yep.","start":165.42499,"end":165.745,"sentiment":"neutral","sentiment_score":0.01750599965453148},{"text":"No.","start":165.745,"end":165.905,"sentiment":"neutral","sentiment_score":-0.025298643857240677},{"text":"That's alright.","start":165.905,"end":166.385,"sentiment":"neutral","sentiment_score":0.009420777671039104},{"text":"Yeah.","start":166.385,"end":166.545,"sentiment":"neutral","sentiment_score":0.12154234945774078}],"sentiment":"neutral","sentiment_score":0.028590109509726364,"num_words":12,"start":150.52,"end":166.545},{"sentences":[{"text":"It was 20 a fortnight I set it up for.","start":166.545,"end":168.69,"sentiment":"neutral","sentiment_score":0.1642472505569458},{"text":"Mhmm.","start":182.385,"end":182.885,"sentiment":"neutral","sentiment_score":0.003723431844264269},{"text":"Right.","start":190.385,"end":190.885,"sentiment":"neutral","sentiment_score":0.030831320211291313},{"text":"Right.","start":204.07,"end":204.57,"sentiment":"neutral","sentiment_score":0.1154601126909256},{"text":"Yes.","start":214.46501,"end":214.785,"sentiment":"neutral","sentiment_score":0.24442526698112488}],"sentiment":"neutral","sentiment_score":0.14549375980693316,"num_words":14,"start":166.545,"end":214.785},{"sentences":[{"text":"That's all done.","start":214.785,"end":215.765,"sentiment":"positive","sentiment_score":0.3562374413013458},{"text":"Not at the moment, but I have paid the home loan out.","start":239.66501,"end":242.625,"sentiment":"neutral","sentiment_score":-0.044216636257867016},{"text":"Yes.","start":242.625,"end":243.125,"sentiment":"neutral","sentiment_score":0.15702617168426514},{"text":"No.","start":258.79,"end":258.95,"sentiment":"neutral","sentiment_score":-0.12661273777484894},{"text":"That's still the same.","start":258.95,"end":260.57,"sentiment":"neutral","sentiment_score":-0.06138158496469259}],"sentiment":"neutral","sentiment_score":0.01538094204096567,"num_words":21,"start":214.785,"end":260.57},{"sentences":[{"text":"Is it that that's completely gone.","start":281.18002,"end":283.04,"sentiment":"neutral","sentiment_score":-0.21613707145055136},{"text":"Well, building up the savings, but also doing some repairs on the current home.","start":293.365,"end":297.125,"sentiment":"neutral","sentiment_score":-0.02489144168794155},{"text":"So there is another home there is another home loan I've applied for, which I haven't got yet, but that's for 40,000.","start":297.125,"end":305.54498,"sentiment":"neutral","sentiment_score":-0.018234548603438518},{"text":"Yes.","start":310.15,"end":310.65,"sentiment":"neutral","sentiment_score":0.1910829097032547},{"text":"I don't book for this down there.","start":319.19,"end":320.79,"sentiment":"neutral","sentiment_score":-0.04843556189111301}],"sentiment":"neutral","sentiment_score":-0.04388857410289347,"num_words":50,"start":281.18002,"end":320.79},{"sentences":[{"text":"I I don't I only bank with Suncorp now.","start":320.79,"end":323.725,"sentiment":"neutral","sentiment_score":-0.06881586213906606},{"text":"Once I paid out the home, I don't need to close everything with our ACQ because they're moving across.","start":324.185,"end":329.405,"sentiment":"neutral","sentiment_score":-0.048417162738348306},{"text":"It's still in the process.","start":340.84,"end":341.97998,"sentiment":"neutral","sentiment_score":-0.08302680850028991},{"text":"They're sending out communications and all that.","start":343.24,"end":345.31998,"sentiment":"neutral","sentiment_score":-0.05518811834709985},{"text":"So at the moment, it is expected to be in October.","start":345.31998,"end":348.93997,"sentiment":"neutral","sentiment_score":0.009674385359341448}],"sentiment":"neutral","sentiment_score":-0.043809833005070686,"num_words":51,"start":320.79,"end":348.93997},{"sentences":[{"text":"But, yeah, in July beginning of July, I closed down all the RACQ accounts.","start":349.335,"end":354.715,"sentiment":"neutral","sentiment_score":0.029332243970462253},{"text":"So now everything's with some call to speak with them beginning of the year.","start":354.775,"end":360.155,"sentiment":"neutral","sentiment_score":0.2580757832952908},{"text":"Uh-huh.","start":377.705,"end":378.205,"sentiment":"neutral","sentiment_score":0.03133462741971016},{"text":"Yep.","start":388.505,"end":389.005,"sentiment":"neutral","sentiment_score":0.07033402472734451},{"text":"Yep.","start":419.9,"end":420.4,"sentiment":"neutral","sentiment_score":-0.1179744228720665}],"sentiment":"neutral","sentiment_score":0.12927118099985585,"num_words":31,"start":349.335,"end":420.4},{"sentences":[{"text":"Uh-huh.","start":439.535,"end":440.035,"sentiment":"neutral","sentiment_score":0.024063032120466232},{"text":"Yes.","start":455.59998,"end":456.09998,"sentiment":"neutral","sentiment_score":0.0654342845082283},{"text":"Yep.","start":462.585,"end":463.085,"sentiment":"neutral","sentiment_score":0.09626191854476927},{"text":"Yep.","start":468.025,"end":468.525,"sentiment":"neutral","sentiment_score":0.05199286341667175},{"text":"Yep.","start":508.09,"end":508.59,"sentiment":"positive","sentiment_score":0.33496785163879395}],"sentiment":"neutral","sentiment_score":0.1145439900457859,"num_words":5,"start":439.535,"end":508.59},{"sentences":[{"text":"Mhmm.","start":525.005,"end":525.405,"sentiment":"neutral","sentiment_score":0.06254636496305466},{"text":"Okay.","start":525.405,"end":525.905,"sentiment":"neutral","sentiment_score":0.062050141394138336},{"text":"Yep.","start":567.87,"end":568.37,"sentiment":"neutral","sentiment_score":0.15126469731330872},{"text":"So you still want me to do the Surrey sacrifice the ART?","start":584.645,"end":589.31,"sentiment":"neutral","sentiment_score":0.003762117587029934},{"text":"Yep.","start":593.05,"end":593.55,"sentiment":"neutral","sentiment_score":0.16178759932518005}],"sentiment":"neutral","sentiment_score":0.03017463837750256,"num_words":16,"start":525.005,"end":593.55},{"sentences":[{"text":"Yep.","start":607.105,"end":607.605,"sentiment":"neutral","sentiment_score":0.1802668273448944},{"text":"I can have a look at that.","start":608.705,"end":610.085,"sentiment":"neutral","sentiment_score":0.24325739911624364},{"text":"It it should finish it with it just do it.","start":610.545,"end":613.105,"sentiment":"positive","sentiment_score":0.5842095375061035},{"text":"I got taste, so that's why I didn't get it with that one.","start":613.105,"end":615.605,"sentiment":"neutral","sentiment_score":0.1461190483891047},{"text":"Yep.","start":625.54,"end":626.04,"sentiment":"neutral","sentiment_score":0.18590402603149417}],"sentiment":"neutral","sentiment_score":0.30658173910342157,"num_words":32,"start":607.105,"end":626.04},{"sentences":[{"text":"Yep.","start":635.935,"end":636.335,"sentiment":"neutral","sentiment_score":0.12704208493232727},{"text":"Not a problem.","start":636.335,"end":637.15497,"sentiment":"neutral","sentiment_score":0.23770220577716827},{"text":"Not a problem.","start":665.66504,"end":666.48505,"sentiment":"neutral","sentiment_score":0.2585862676302592},{"text":"Right.","start":681.01,"end":681.51,"sentiment":"neutral","sentiment_score":0.035063765943050385},{"text":"Okay.","start":697.325,"end":697.825,"sentiment":"neutral","sentiment_score":-0.008672671392560005}],"sentiment":"neutral","sentiment_score":0.18247762218945557,"num_words":9,"start":635.935,"end":697.825},{"sentences":[{"text":"Right.","start":717.78503,"end":718.28503,"sentiment":"neutral","sentiment_score":-0.0015204823575913906},{"text":"Yep.","start":722.34503,"end":722.84503,"sentiment":"neutral","sentiment_score":-0.01276934426277876},{"text":"Yep.","start":744.585,"end":744.98505,"sentiment":"neutral","sentiment_score":-0.04477626085281372},{"text":"No.","start":744.98505,"end":745.145,"sentiment":"neutral","sentiment_score":-0.14335668087005615},{"text":"That's right.","start":745.145,"end":745.54504,"sentiment":"neutral","sentiment_score":-0.1473461389541626}],"sentiment":"neutral","sentiment_score":-0.0828525077085942,"num_words":6,"start":717.78503,"end":745.54504},{"sentences":[{"text":"I believe that one's invalid.","start":745.54504,"end":746.84503,"sentiment":"neutral","sentiment_score":-0.1664372518658638},{"text":"Not a problem.","start":765.91,"end":766.73,"sentiment":"neutral","sentiment_score":0.05977540339032808},{"text":"Yeah.","start":786.87,"end":787.11,"sentiment":"neutral","sentiment_score":0.05044674873352051},{"text":"Yeah.","start":787.11,"end":787.35,"sentiment":"neutral","sentiment_score":0.07933153212070465},{"text":"That's fine.","start":787.35,"end":787.99,"sentiment":"neutral","sentiment_score":0.14839743822813034}],"sentiment":"neutral","sentiment_score":-0.01885724098732074,"num_words":12,"start":745.54504,"end":787.99},{"sentences":[{"text":"That's not affecting anything.","start":787.99,"end":789.21,"sentiment":"neutral","sentiment_score":0.13192588090896606},{"text":"Not a problem.","start":814.92004,"end":815.74,"sentiment":"neutral","sentiment_score":0.17725980281829834},{"text":"Not at this stage.","start":821.0,"end":821.96,"sentiment":"neutral","sentiment_score":-0.06822758633643389},{"text":"No.","start":821.96,"end":822.46,"sentiment":"neutral","sentiment_score":-0.06022043153643608},{"text":"At this stage, still happy with the annual review.","start":849.83,"end":852.25,"sentiment":"positive","sentiment_score":0.3366924367017216}],"sentiment":"neutral","sentiment_score":0.17888495645352773,"num_words":21,"start":787.99,"end":852.25},{"sentences":[{"text":"Oh, yeah.","start":858.66504,"end":859.965,"sentiment":"neutral","sentiment_score":0.06359693966805935},{"text":"If anything pops up or 7¢ to change, I can just call through.","start":860.10504,"end":863.30505,"sentiment":"neutral","sentiment_score":0.04741213470697403},{"text":"That's no problem.","start":863.30505,"end":864.205,"sentiment":"neutral","sentiment_score":0.30964364608128864},{"text":"Yes.","start":878.44,"end":878.94,"sentiment":"neutral","sentiment_score":0.0428495928645134},{"text":"Well, I've used DocuSign.","start":879.63995,"end":880.77997,"sentiment":"neutral","sentiment_score":0.030198218300938606}],"sentiment":"neutral","sentiment_score":0.08130513182417913,"num_words":23,"start":858.66504,"end":880.77997},{"sentences":[{"text":"But I I don't know if it's the same as the one you've got.","start":885.79504,"end":889.575,"sentiment":"neutral","sentiment_score":0.008640379245792116},{"text":"Yep.","start":910.19995,"end":910.69995,"sentiment":"neutral","sentiment_score":0.1087217926979065},{"text":"Yep.","start":922.655,"end":923.155,"sentiment":"neutral","sentiment_score":0.11432604491710664},{"text":"Yep.","start":942.975,"end":943.295,"sentiment":"neutral","sentiment_score":0.21963338553905487},{"text":"That's not a problem.","start":943.295,"end":944.435,"sentiment":"positive","sentiment_score":0.4634940177202225}],"sentiment":"neutral","sentiment_score":0.11512488587981179,"num_words":21,"start":885.79504,"end":944.435},{"sentences":[{"text":"Not that I can think of at the time.","start":952.65497,"end":954.095,"sentiment":"neutral","sentiment_score":-0.19574122627576193},{"text":"It's nice.","start":954.095,"end":954.575,"sentiment":"positive","sentiment_score":0.7203529477119446},{"text":"Thank you very much.","start":954.575,"end":955.635,"sentiment":"positive","sentiment_score":0.8242916166782379},{"text":"No.","start":968.79,"end":969.02997,"sentiment":"neutral","sentiment_score":0.05980169028043747},{"text":"That's all good.","start":969.02997,"end":969.67,"sentiment":"positive","sentiment_score":0.35171016057332355}],"sentiment":"neutral","sentiment_score":0.21532281566607325,"num_words":19,"start":952.65497,"end":969.67},{"sentences":[{"text":"Not a problem.","start":969.67,"end":970.49,"sentiment":"positive","sentiment_score":0.379502276579539},{"text":"Will do.","start":980.145,"end":980.705,"sentiment":"positive","sentiment_score":0.6543706655502319},{"text":"You too.","start":980.705,"end":981.185,"sentiment":"positive","sentiment_score":0.5088486075401306},{"text":"Thanks very much.","start":981.185,"end":982.165,"sentiment":"positive","sentiment_score":0.778263529141744},{"text":"Bye.","start":985.985,"end":986.485,"sentiment":"neutral","sentiment_score":-0.08902432024478912}],"sentiment":"positive","sentiment_score":0.5191556039181623,"num_words":11,"start":969.67,"end":986.485}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good afternoon, Kim. Tommy here. How are you doing?\n\nChannel 1: Good. Thanks. Yourself?\n\nChannel 0: I'm doing fantastic. It's been a brilliant week. Happy Friday to you.\n\nChannel 1: To you too. Yeah. Sorry about that.\n\nChannel 0: Thanks.\n\nChannel 1: The 12:00 appointment was supposed to be for last Friday, but because something was late, it was delayed to this week. And then this one, she'd said it was for 03:30. So that's why I wasn't expecting your call.\n\nChannel 0: Oh, gotcha. Gotcha. Gotcha. Yes. Sorry.\n\nI don't I think we we close-up at about 03:00 on a Friday. That must have been why. I don't think you've got any daylight savings or anything. Apologies for that.\n\nChannel 1: No.\n\nChannel 0: Have\n\nChannel 1: That's\n\nChannel 0: you got\n\nChannel 1: alright.\n\nChannel 0: a bit of time for me now? Or\n\nChannel 1: Yeah. Yeah. No problem. I'm just on the way to go pick my brother-in-law up to take him to a specialist appointment, so I'm good at the moment.\n\nChannel 0: perfect. Okay. So what I'll do is I'm just gonna pop this pack through to your email just so you can have a look at it when you get a chance. And all\n\nChannel 1: Yes.\n\nChannel 0: I wanted to do today was just kind of just run through the updated strategy, see if you're comfortable with it, answer any questions you've got,\n\nChannel 1: Not\n\nChannel 0: and to go over the key points together.\n\nChannel 1: a problem.\n\nChannel 0: Also, what kind of come out to you is a statement of advice and an updated agreement, some appendix with some\n\nChannel 1: Mhmm.\n\nChannel 0: additional research. And we've got all the product disclosure documents as well, so there's another there's probably about seven documents in that email there. Most of it is\n\nChannel 1: Right.\n\nChannel 0: just informational.\n\nChannel 1: Yes. That's all good.\n\nChannel 0: Now for the updated strategy, what we've kind of done is we've been having some discussions with our investment committee about some changes that are going on this year because, obviously, the government's brought in some new legislation, and the war on Iran has kind of moved things around a little bit.\n\nChannel 1: Mhmm.\n\nChannel 0: So what we're doing is we're making a few different changes to the portfolios at the moment. I have included some scoping here just around the retirement goal that you have,\n\nChannel 1: Yes.\n\nChannel 0: updating the hub 24 portfolio, doing a bit of a movement of funds between ART, and just kind of showing you the difference for that salary sacrifice as well. Now\n\nChannel 1: Yep.\n\nChannel 0: just before I jump into the crux of it, did you end up setting up the salary sacrifice into your ARC fund?\n\nChannel 1: I did for the last financial year. So I was doing 20 a fortnight.\n\nChannel 0: Perfect. Amazing. So when they sent through the update of these, they just that was the one thing that they didn't include. They just said yes. They didn't actually say any amounts or anything.\n\nSo just thought I'd double check with you.\n\nChannel 1: Yep. No. That's alright. Yeah. It was 20\n\nChannel 0: Cool.\n\nChannel 1: a fortnight I set it up for.\n\nChannel 0: Perfect. So this document just has a bit of a tax table that just shows you the differences that that makes both in the projection and in, like, your take home pay and taxes and so on. And the other\n\nChannel 1: Mhmm.\n\nChannel 0: thing was we were looking at a bit of trauma insurance for you, which was for that, like, heart attack, stroke, and cancer.\n\nChannel 1: Right.\n\nChannel 0: We weren't doing anything else in terms of replacing your life TBD or income protection because that was all pretty good through ARC at the moment. And just\n\nChannel 1: Right.\n\nChannel 0: in terms of the state planning, you've already got everything in place for the estate plan as far as wills and beneficiary nominations, so that should all be good.\n\nChannel 1: Yes. That's all done.\n\nChannel 0: Perfect. Last thing in terms of scoping was just we're not giving you advice in this document about cash flow or debt management. Obviously, you're already paying off the mortgage, and we did have a few notes of saving up for a holiday to The US and Europe, off to the Rockies, and a bit of a river cruise. Did you not going on any holidays?\n\nChannel 1: Not at the moment, but I have paid the home loan out. Yes.\n\nChannel 0: Nice. Fantastic. So just to quickly double check some of the details, we had you as a call center operator on just shy of $80. Has that changed significantly?\n\nChannel 1: No. That's still the same.\n\nChannel 0: Perfect. Perfect. And then with the assets and liabilities, so we've got the home, little bit of shares, bit of savings, and you just split it between the different savings accounts and transaction accounts. For the mortgage, is that completely cleared out now? Because I think we had it a 149,000 previously.\n\nChannel 1: Is it that that's completely gone.\n\nChannel 0: Amazing. Amazing. Amazing. So now that that's gone, what would be the priority for you at the moment? Just building up the savings?\n\nOr\n\nChannel 1: Well, building up the savings, but also doing some repairs on the current home. So there is another home there is another home loan I've applied for, which I haven't got yet, but that's for 40,000.\n\nChannel 0: And that's just for the renovation.\n\nChannel 1: Yes.\n\nChannel 0: Amazing. And the savings. So I'm just gonna update the file with those ones. Now when\n\nChannel 1: I\n\nChannel 0: it comes\n\nChannel 1: don't book for this down there. I I don't I only bank with Suncorp now. Once I paid out the home, I don't need to close everything with our ACQ because they're\n\nChannel 0: to\n\nChannel 1: moving across.\n\nChannel 0: uh-huh. Gotcha. Right. Okay. And, obviously, that's not been approved yet, so it's a bit of a an up and coming thing.\n\nChannel 1: It's still in the process. They're sending out communications and all that. So at the moment, it is expected to be in October. But, yeah, in July beginning of July, I closed down all the RACQ accounts. So now everything's with some call\n\nChannel 0: Amazing.\n\nChannel 1: to speak with them beginning of the year.\n\nChannel 0: Perfect. Okay. So I've got all that updated. Thank you so much for that. Alrighty.\n\nSo when it comes to the main recommendations in the advice document, So as a quick refresher, you're in that high growth risk profile, if that rings a bell.\n\nChannel 1: Uh-huh.\n\nChannel 0: And what we're basically doing here so when you get to that halfway through the document, you'll see, like, a strategy page with quite a lot of text in there. And it basically\n\nChannel 1: Yep.\n\nChannel 0: just goes over the main recommendations, which is we're gonna update the portfolio within hub, do a bit of a switch around with funds from ART into the hub, and then we just put in that salary sacrifice as well. What that's essentially going to do is lower the investment fees, improve the return, and the only sort of main disadvantage is we haven't been able to consolidate the two funds because we can't do transfer terms at this\n\nChannel 1: Yep.\n\nChannel 0: point. There's a bit of brokerage fees, which we factored in there because all of the investments that we recommend, they are ETFs. So you purchase them a little bit up front for about 0.11%. And then from that going forward, they're kind of the lowest fee investments that you can get.\n\nChannel 1: Uh-huh.\n\nChannel 0: Now what you'll see is that ARC have actually changed the name of their investment. So you were previously in an option called a growth portfolio, but they've actually renamed it to high growth because it was actually\n\nChannel 1: Yes.\n\nChannel 0: already in line with the risk profile. It already had heaps and heaps of shares and property. So they just renamed\n\nChannel 1: Yep.\n\nChannel 0: it, but it's still pretty much exactly the same investment as it was before.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now what you'll see in the updated portfolio is there was a couple of options that weren't performing as well and a few that had some really good returns that we're looking to kind of switch out. And, basically, what I've done is I've mixed in something called the BetaShares Australia two hundred as the main Australian shares portion. So it's a passive replacement.\n\nSo low fees, better performance, and a few options get kind of reweighted back to where they should have originally been because some grow, some dip, and we just wanna bring them back into the middle.\n\nChannel 1: Yep.\n\nChannel 0: Cool. In terms of asset allocation, it's not too much of a difference. So for high growth, you wanna be between 90 to a 100% growth asset. You're sitting at 90.3. With the rebalance, you'll probably be at about 933%.\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: Mhmm. Now when you look in the fee comparison table, it'll show you the current balances. So hub twenty four is at $1.58. ARC is at 33. If we move across the bulk of that into Hub and leave the usual 10,000, it just goes over fee differences.\n\nSo the extra $20 of salary sacrifice per fortnight, there's about $500 drop in the investment fee. But to move all of the investments around, the super inside under the hood, it pays about $3.35 in capital gains tax to do all of those switches. It's just like a one off internal tax.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. So what I've done is I've factored that into the projection. The average returns bring up from just shy of 10% to about 12.2. And, again, for high growth, we kinda wanna be consistently hitting double digits.\n\nChannel 1: So you still want me\n\nChannel 0: Now\n\nChannel 1: to do the Surrey sacrifice the ART?\n\nChannel 0: yes. Salary sacrifice to\n\nChannel 1: Yep.\n\nChannel 0: ART is perfectly fine. If you do have an employer that's okay to split it between two to the funds, that would be ideal, but it's not too much of a trouble for us to do those rollovers on your behalf.\n\nChannel 1: Yep. I can have a look at that.\n\nChannel 0: Cool.\n\nChannel 1: It it should finish it\n\nChannel 0: Perfect.\n\nChannel 1: with it just do it. I got taste, so that's why I didn't get it with that one.\n\nChannel 0: Yeah. And that's what I've put in the document too. It's just if you get everything going to ARC, it saves any markups with the payroll system. I have noted\n\nChannel 1: Yep.\n\nChannel 0: a few employers recently just really marking up contributions. So the simpler, the better for those guys, and we can kind of handle the funds from there.\n\nChannel 1: Yep. Not a problem.\n\nChannel 0: Now ten year projection, we're looking at about going from 400,000 to $4.80. Again, bit of a grain of salt. Markets go up and down, but it should be much, much improved. And I've basically included a return table that show you all of the ART returns, the hub 24 returns, and then the new portfolio. So it just has them all side by side over one, three, five, and ten years for you.\n\nChannel 1: Not a problem.\n\nChannel 0: Perfect. The only other thing was when it comes to the ART insurances, so they've obviously updated the figures there for the life, the TPD, the income protection. It's still very, very low cost under 7\n\nChannel 1: Right.\n\nChannel 0: $100. The one that I couldn't do was I had a big call around with all the insurers about the trauma cover, which was that heart attack, stroke, and cancer. We basically set together an affordability limit of about 50\n\nChannel 1: Okay.\n\nChannel 0: to 100 a month. Now they've improved what they do when it comes to health thresholds, but they did have a cutoff on in terms of BMI. And what ended up happening was they basically go, if you're above a 35 in BMI, they start adding loadings on, which\n\nChannel 1: Right.\n\nChannel 0: increase the price of it by, like, 50 to a 100%.\n\nChannel 1: Yep.\n\nChannel 0: Now anything above a certain threshold, they basically just decline it straight away, but they're slowly increasing those thresholds. So I didn't recommend it for you at this point because it was coming out to be, you know, $3.04, $500 a month out of pocket if they would accept it.\n\nChannel 1: Yep. No. That's right. I believe that\n\nChannel 0: Yeah.\n\nChannel 1: one's invalid.\n\nChannel 0: Cool. So what I'm basically saying there is you still got the life, PPD, and income protection. We just couldn't get the trauma at this point. If the pricing looks better next time we look at it, I might look at recommending it, but at this point, it's just kind of wasn't worth trying.\n\nChannel 1: Not a problem.\n\nChannel 0: Cool. That's pretty much it. Everything's looking pretty smooth. The estate planning's good. You've got the the renovations and savings to do, and this just kind of brings everything where it should be for the super.\n\nAnd I did wanna double check. Are you okay with that $20 a fortnight?\n\nChannel 1: Yeah. Yeah. That's fine. That's not affecting anything.\n\nChannel 0: Perfect. Perfect. So we'll keep track of things and just keep updating it at the next reviews as well. And if you wanna increase or decrease that, just go for it. If something happens throughout the year where you feel like you really need the cash flow, you know, you can stop it through payroll at any point.\n\nAnd if we wanna look at increasing it down the line, I can have that chat with you at the next review.\n\nChannel 1: Not a problem.\n\nChannel 0: Awesome, Kim. Do you have any questions for me so far?\n\nChannel 1: Not at this stage. No.\n\nChannel 0: Okay. From there, I do I know you're in the car. Apologies for that. I had a phone lag there. With the contact frequency, I was just gonna ask you, did you want me to pencil in any other catch ups before the end of the year?\n\nDo you just prefer to go through the annual review next year? What would be your preference?\n\nChannel 1: At this stage, still happy with the annual review.\n\nChannel 0: Cool. And if something pops up, are you okay just to ring in and let us know if you need anything else?\n\nChannel 1: Oh, yeah. If anything pops up or 7¢ to change, I can just call through. That's no problem.\n\nChannel 0: Amazing. Amazing. I'll leave that pack with you there. Just quickly, have you ever used our new kind of purple Odoo sign, DocuSign system before?\n\nChannel 1: Yes. Well, I've used DocuSign. But I I don't know if it's the same as the one you've got.\n\nChannel 0: Mhmm. Yeah. It's very, very similar because we've got this new system that we kind of purpose built for ourselves. It works the same way as DocuSign where, basically, when you go into the email, it'll have a sign button. And when you click that purple button, it'll bring open all the documents for you to look through.\n\nAnd then\n\nChannel 1: Yep.\n\nChannel 0: what you can do is because there's eight of them, you can either scroll through each document, like reading the statement of advice. You can also click next document to kind of just switch across to the other one.\n\nChannel 1: Yep.\n\nChannel 0: And then there should be some kind of signing buttons which will drag you down through the signature name and date spot. And then what basically happens is it automatically stamps the signature on. But if you would like to draw it, you can just click on the signature, and it brings open a box to do a bit of a drawing as well.\n\nChannel 1: Yep. That's not a problem.\n\nChannel 0: Awesome. Any questions for me before I let you go a few weekends and and to pick up your brother?\n\nChannel 1: Not that I can think of at the time. It's nice. Thank you very much.\n\nChannel 0: Awesome, Ken. I really appreciate you taking the time, and I do apologize about the meeting time mix up. I'll make sure I double check that for the next one as well.\n\nChannel 1: No. That's all good. Not a problem.\n\nChannel 0: So I'll leave that pack with you. Any questions, just give us a buzz, but you have a fantastic weekend.\n\nChannel 1: Will do. You too. Thanks very much.\n\nChannel 0: Thanks, Kim. See you later.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Kim.","start":1.76,"end":2.96,"sentiment":"positive","sentiment_score":0.47619496782620746},{"text":"Tommy here.","start":2.96,"end":3.52,"sentiment":"positive","sentiment_score":0.4683905243873596},{"text":"How are you doing?","start":3.52,"end":4.34,"sentiment":"positive","sentiment_score":0.3890637308359146}],"sentiment":"positive","sentiment_score":0.43573565284411114,"channel":0,"num_words":9,"start":1.76,"end":4.34},{"sentences":[{"text":"Good.","start":5.04,"end":5.2799997,"sentiment":"positive","sentiment_score":0.582654595375061},{"text":"Thanks.","start":5.2799997,"end":5.6,"sentiment":"positive","sentiment_score":0.687079668045044},{"text":"Yourself?","start":5.6,"end":6.1,"sentiment":"positive","sentiment_score":0.5338081121444702}],"sentiment":"positive","sentiment_score":0.6011807918548584,"channel":1,"num_words":3,"start":5.04,"end":6.1},{"sentences":[{"text":"I'm doing fantastic.","start":7.2,"end":8.42,"sentiment":"positive","sentiment_score":0.8373827536900839},{"text":"It's been a brilliant week.","start":8.48,"end":9.599999,"sentiment":"positive","sentiment_score":0.8654825687408447},{"text":"Happy Friday to you.","start":9.599999,"end":10.9,"sentiment":"positive","sentiment_score":0.7308267802000046}],"sentiment":"positive","sentiment_score":0.8135723521312078,"channel":0,"num_words":12,"start":7.2,"end":10.9},{"sentences":[{"text":"To you too.","start":11.759999,"end":12.555,"sentiment":"positive","sentiment_score":0.3447692195574443},{"text":"Yeah.","start":12.795,"end":12.955,"sentiment":"neutral","sentiment_score":0.08554061502218246},{"text":"Sorry about that.","start":12.955,"end":13.755,"sentiment":"neutral","sentiment_score":-0.0028079996506373077}],"sentiment":"neutral","sentiment_score":0.15877489639180048,"channel":1,"num_words":7,"start":11.759999,"end":13.755},{"sentences":[{"text":"Thanks.","start":13.5199995,"end":13.995,"sentiment":"neutral","sentiment_score":0.1273006647825241}],"sentiment":"neutral","sentiment_score":0.1273006647825241,"channel":0,"num_words":1,"start":13.5199995,"end":13.995},{"sentences":[{"text":"The 12:00 appointment was supposed to be for last Friday, but because something was late, it was delayed to this week.","start":13.755,"end":19.275,"sentiment":"neutral","sentiment_score":-0.1597266285901978},{"text":"And then this one, she'd said it was for 03:30.","start":19.275,"end":21.755001,"sentiment":"neutral","sentiment_score":-0.1447442077100277},{"text":"So that's why I wasn't expecting your call.","start":21.755001,"end":23.615,"sentiment":"neutral","sentiment_score":-0.17648671939969063}],"sentiment":"neutral","sentiment_score":-0.159322949556204,"channel":1,"num_words":39,"start":13.755,"end":23.615},{"sentences":[{"text":"Oh, gotcha.","start":24.555,"end":25.755,"sentiment":"neutral","sentiment_score":-0.047328025102615356},{"text":"Gotcha.","start":25.755,"end":26.154999,"sentiment":"neutral","sentiment_score":-0.018020596355199817},{"text":"Gotcha.","start":26.154999,"end":26.474998,"sentiment":"neutral","sentiment_score":-0.012622717767953873},{"text":"Yes.","start":26.474998,"end":26.715,"sentiment":"neutral","sentiment_score":-0.009816830977797508},{"text":"Sorry.","start":26.715,"end":27.035,"sentiment":"neutral","sentiment_score":-0.09444241225719452}],"sentiment":"neutral","sentiment_score":-0.038259767927229404,"channel":0,"num_words":6,"start":24.555,"end":27.035},{"sentences":[{"text":"I don't I think we we close-up at about 03:00 on a Friday.","start":27.035,"end":32.73,"sentiment":"neutral","sentiment_score":-0.17469171377328727},{"text":"That must have been why.","start":33.03,"end":34.57,"sentiment":"neutral","sentiment_score":-0.286740830540657},{"text":"I don't think you've got any daylight savings or anything.","start":35.11,"end":38.87,"sentiment":"neutral","sentiment_score":-0.29315378665924074},{"text":"Apologies for that.","start":38.87,"end":40.17,"sentiment":"neutral","sentiment_score":-0.25244368116060895}],"sentiment":"neutral","sentiment_score":-0.23850210780097592,"channel":0,"num_words":31,"start":27.035,"end":40.17},{"sentences":[{"text":"No.","start":40.67,"end":40.99,"sentiment":"neutral","sentiment_score":-0.05804975330829621}],"sentiment":"neutral","sentiment_score":-0.05804975330829621,"channel":1,"num_words":1,"start":40.67,"end":40.99},{"sentences":[{"text":"Have","start":40.79,"end":41.03,"sentiment":"neutral","sentiment_score":-0.027579493820667267}],"sentiment":"neutral","sentiment_score":-0.027579493820667267,"channel":0,"num_words":1,"start":40.79,"end":41.03},{"sentences":[{"text":"That's","start":40.99,"end":41.23,"sentiment":"neutral","sentiment_score":-0.033841297030448914}],"sentiment":"neutral","sentiment_score":-0.033841297030448914,"channel":1,"num_words":1,"start":40.99,"end":41.23},{"sentences":[{"text":"you got","start":41.03,"end":41.43,"sentiment":"neutral","sentiment_score":-0.030359922908246517}],"sentiment":"neutral","sentiment_score":-0.030359922908246517,"channel":0,"num_words":2,"start":41.03,"end":41.43},{"sentences":[{"text":"alright.","start":41.23,"end":41.73,"sentiment":"neutral","sentiment_score":-0.0052470131777226925}],"sentiment":"neutral","sentiment_score":-0.0052470131777226925,"channel":1,"num_words":1,"start":41.23,"end":41.73},{"sentences":[{"text":"a bit of time for me now?","start":41.43,"end":42.71,"sentiment":"neutral","sentiment_score":-0.023204557730683258},{"text":"Or","start":42.71,"end":43.095,"sentiment":"neutral","sentiment_score":-0.016641704365611076}],"sentiment":"neutral","sentiment_score":-0.022384201060049236,"channel":0,"num_words":8,"start":41.43,"end":43.095},{"sentences":[{"text":"Yeah.","start":43.684998,"end":44.085,"sentiment":"neutral","sentiment_score":0.013540085405111313},{"text":"Yeah.","start":44.085,"end":44.405,"sentiment":"neutral","sentiment_score":0.04672842472791672},{"text":"No problem.","start":44.405,"end":45.045,"sentiment":"neutral","sentiment_score":0.16187504678964615},{"text":"I'm just on the way to go pick my brother-in-law up to take him to a specialist appointment, so I'm good at the moment.","start":45.045,"end":51.464996,"sentiment":"neutral","sentiment_score":0.25504650734364986}],"sentiment":"neutral","sentiment_score":0.2323262421414256,"channel":1,"num_words":28,"start":43.684998,"end":51.464996},{"sentences":[{"text":"perfect.","start":51.095,"end":51.575,"sentiment":"positive","sentiment_score":0.4822940826416016},{"text":"Okay.","start":51.575,"end":52.075,"sentiment":"neutral","sentiment_score":0.1931792199611664},{"text":"So what I'll do is I'm just gonna pop this pack through to your email just so you can have a look at it when you get a chance.","start":52.855003,"end":60.93,"sentiment":"neutral","sentiment_score":0.20206431787589502},{"text":"And all","start":61.15,"end":61.79,"sentiment":"neutral","sentiment_score":0.11278950050473213}],"sentiment":"neutral","sentiment_score":0.20487628854585416,"channel":0,"num_words":33,"start":51.095,"end":61.79},{"sentences":[{"text":"Yes.","start":61.78,"end":62.28,"sentiment":"neutral","sentiment_score":0.16646736860275269}],"sentiment":"neutral","sentiment_score":0.16646736860275269,"channel":1,"num_words":1,"start":61.78,"end":62.28},{"sentences":[{"text":"I wanted to do today was just kind of just run through the updated strategy, see if you're comfortable with it, answer any questions you've got,","start":61.79,"end":69.229996,"sentiment":"neutral","sentiment_score":0.16005301547165102}],"sentiment":"neutral","sentiment_score":0.16005301547165102,"channel":0,"num_words":26,"start":61.79,"end":69.229996},{"sentences":[{"text":"Not","start":69.075005,"end":69.575005,"sentiment":"neutral","sentiment_score":-0.016730882227420807}],"sentiment":"neutral","sentiment_score":-0.016730882227420807,"channel":1,"num_words":1,"start":69.075005,"end":69.575005},{"sentences":[{"text":"and to go over the key points together.","start":69.229996,"end":71.49,"sentiment":"neutral","sentiment_score":0.0010238341055810452}],"sentiment":"neutral","sentiment_score":0.0010238341055810452,"channel":0,"num_words":8,"start":69.229996,"end":71.49},{"sentences":[{"text":"a problem.","start":72.835,"end":73.495,"sentiment":"neutral","sentiment_score":-0.1802247166633606}],"sentiment":"neutral","sentiment_score":-0.1802247166633606,"channel":1,"num_words":2,"start":72.835,"end":73.495},{"sentences":[{"text":"Also, what kind of come out to you is a statement of advice and an updated agreement, some appendix with some","start":75.135,"end":83.775,"sentiment":"neutral","sentiment_score":0.000911767106680643}],"sentiment":"neutral","sentiment_score":0.000911767106680643,"channel":0,"num_words":21,"start":75.135,"end":83.775},{"sentences":[{"text":"Mhmm.","start":83.549995,"end":84.049995,"sentiment":"neutral","sentiment_score":-0.008630314841866493}],"sentiment":"neutral","sentiment_score":-0.008630314841866493,"channel":1,"num_words":1,"start":83.549995,"end":84.049995},{"sentences":[{"text":"additional research.","start":83.775,"end":84.755005,"sentiment":"neutral","sentiment_score":0.02740096114575863},{"text":"And we've got all the product disclosure documents as well, so there's another there's probably about seven documents in that email there.","start":85.31,"end":91.97,"sentiment":"neutral","sentiment_score":0.027328852955675262},{"text":"Most of it is","start":92.11,"end":92.829994,"sentiment":"neutral","sentiment_score":0.048503557220101357}],"sentiment":"neutral","sentiment_score":0.030358961292742088,"channel":0,"num_words":28,"start":83.775,"end":92.829994},{"sentences":[{"text":"Right.","start":92.829994,"end":93.329994,"sentiment":"neutral","sentiment_score":0.03750760108232498}],"sentiment":"neutral","sentiment_score":0.03750760108232498,"channel":1,"num_words":1,"start":92.829994,"end":93.329994},{"sentences":[{"text":"just informational.","start":92.829994,"end":93.57,"sentiment":"neutral","sentiment_score":0.06485747918486595}],"sentiment":"neutral","sentiment_score":0.06485747918486595,"channel":0,"num_words":2,"start":92.829994,"end":93.57},{"sentences":[{"text":"Yes.","start":95.149994,"end":95.47,"sentiment":"neutral","sentiment_score":0.170332670211792},{"text":"That's all good.","start":95.47,"end":96.369995,"sentiment":"neutral","sentiment_score":0.2537806012357275}],"sentiment":"neutral","sentiment_score":0.2329186184797436,"channel":1,"num_words":4,"start":95.149994,"end":96.369995},{"sentences":[{"text":"Now for the updated strategy, what we've kind of done is we've been having some discussions with our investment committee about some changes that are going on this year because, obviously, the government's brought in some new legislation, and the war on Iran has kind of moved things around a little bit.","start":97.549995,"end":113.37,"sentiment":"neutral","sentiment_score":0.00762277332922587}],"sentiment":"neutral","sentiment_score":0.00762277332922587,"channel":0,"num_words":52,"start":97.549995,"end":113.37},{"sentences":[{"text":"Mhmm.","start":114.35,"end":114.85,"sentiment":"neutral","sentiment_score":0.026495758444070816}],"sentiment":"neutral","sentiment_score":0.026495758444070816,"channel":1,"num_words":1,"start":114.35,"end":114.85},{"sentences":[{"text":"So what we're doing is we're making a few different changes to the portfolios at the moment.","start":115.93,"end":120.43,"sentiment":"neutral","sentiment_score":0.059567238478099596},{"text":"I have included some scoping here just around the retirement goal that you have,","start":120.97,"end":126.855,"sentiment":"neutral","sentiment_score":0.08168436240937028}],"sentiment":"neutral","sentiment_score":0.06955561702770571,"channel":0,"num_words":31,"start":115.93,"end":126.855},{"sentences":[{"text":"Yes.","start":128.045,"end":128.545,"sentiment":"neutral","sentiment_score":0.10339216142892838}],"sentiment":"neutral","sentiment_score":0.10339216142892838,"channel":1,"num_words":1,"start":128.045,"end":128.545},{"sentences":[{"text":"updating the hub 24 portfolio, doing a bit of a movement of funds between ART, and just kind of showing you the difference for that salary sacrifice as well.","start":128.295,"end":138.875,"sentiment":"neutral","sentiment_score":0.089505801298495},{"text":"Now","start":139.175,"end":139.675,"sentiment":"neutral","sentiment_score":0.02647693082690239}],"sentiment":"neutral","sentiment_score":0.08740483894944191,"channel":0,"num_words":30,"start":128.295,"end":139.675},{"sentences":[{"text":"Yep.","start":139.8,"end":140.3,"sentiment":"neutral","sentiment_score":0.03110188990831375}],"sentiment":"neutral","sentiment_score":0.03110188990831375,"channel":1,"num_words":1,"start":139.8,"end":140.3},{"sentences":[{"text":"just before I jump into the crux of it, did you end up setting up the salary sacrifice into your ARC fund?","start":140.11,"end":147.49,"sentiment":"neutral","sentiment_score":0.012202613775364378}],"sentiment":"neutral","sentiment_score":0.012202613775364378,"channel":0,"num_words":22,"start":140.11,"end":147.49},{"sentences":[{"text":"I did for the last financial 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anything.","start":160.655,"end":162.73499,"sentiment":"neutral","sentiment_score":-0.05756076751276851}],"sentiment":"neutral","sentiment_score":0.02513526867636863,"channel":0,"num_words":34,"start":151.79001,"end":162.73499},{"sentences":[{"text":"So just thought I'd double check with you.","start":162.73499,"end":164.915,"sentiment":"neutral","sentiment_score":-0.020555241499096155}],"sentiment":"neutral","sentiment_score":-0.020555241499096155,"channel":0,"num_words":8,"start":162.73499,"end":164.915},{"sentences":[{"text":"Yep.","start":165.42499,"end":165.745,"sentiment":"neutral","sentiment_score":0.01750599965453148},{"text":"No.","start":165.745,"end":165.905,"sentiment":"neutral","sentiment_score":-0.025298643857240677},{"text":"That's alright.","start":165.905,"end":166.385,"sentiment":"neutral","sentiment_score":0.009420777671039104},{"text":"Yeah.","start":166.385,"end":166.545,"sentiment":"neutral","sentiment_score":0.12154234945774078},{"text":"It was 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basically, what I've done is I've mixed in something called the BetaShares Australia two hundred as the main Australian shares portion.","start":481.46,"end":490.80502,"sentiment":"neutral","sentiment_score":0.15496953373605554},{"text":"So it's a passive replacement.","start":491.665,"end":494.245,"sentiment":"neutral","sentiment_score":0.2726021885871887}],"sentiment":"neutral","sentiment_score":0.18571188329069904,"channel":0,"num_words":66,"start":469.415,"end":494.245},{"sentences":[{"text":"So low fees, better performance, and a few options get kind of reweighted back to where they should have originally been because some grow, some dip, and we just wanna bring them back into the 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90.3.","start":518.295,"end":520.235,"sentiment":"neutral","sentiment_score":0.24852268397808075},{"text":"With the rebalance, you'll probably be at about 933%.","start":520.535,"end":525.41,"sentiment":"neutral","sentiment_score":0.23927926354938084}],"sentiment":"neutral","sentiment_score":0.2378330586478114,"channel":0,"num_words":40,"start":510.055,"end":525.41},{"sentences":[{"text":"Mhmm.","start":525.005,"end":525.405,"sentiment":"neutral","sentiment_score":0.06254636496305466},{"text":"Okay.","start":525.405,"end":525.905,"sentiment":"neutral","sentiment_score":0.062050141394138336}],"sentiment":"neutral","sentiment_score":0.0622982531785965,"channel":1,"num_words":2,"start":525.005,"end":525.905},{"sentences":[{"text":"Mhmm.","start":526.43,"end":526.93,"sentiment":"neutral","sentiment_score":0.04864045977592468},{"text":"Now when you look in the fee comparison table, it'll show you the current balances.","start":527.63,"end":533.08997,"sentiment":"neutral","sentiment_score":0.05870710412661235},{"text":"So hub twenty four is at $1.58.","start":533.14996,"end":535.485,"sentiment":"neutral","sentiment_score":0.05891668636884008},{"text":"ARC is at 33.","start":535.885,"end":537.505,"sentiment":"neutral","sentiment_score":0.04536330699920654},{"text":"If we move across the bulk of that into Hub and leave the usual 10,000, it just goes over fee differences.","start":537.725,"end":544.785,"sentiment":"neutral","sentiment_score":0.08405786539827075}],"sentiment":"neutral","sentiment_score":0.06850692140869796,"channel":0,"num_words":48,"start":526.43,"end":544.785},{"sentences":[{"text":"So the extra $20 of salary sacrifice per fortnight, there's about $500 drop in the investment fee.","start":545.485,"end":552.81,"sentiment":"neutral","sentiment_score":0.12423104486044716},{"text":"But to move all of the investments around, the super inside under the hood, it pays about $3.35 in capital gains tax to do all of those switches.","start":553.27,"end":563.54504,"sentiment":"neutral","sentiment_score":0.11440097859927587},{"text":"It's just like a one off internal tax.","start":563.765,"end":566.825,"sentiment":"neutral","sentiment_score":0.05337303690612316}],"sentiment":"neutral","sentiment_score":0.10834225393691153,"channel":0,"num_words":53,"start":545.485,"end":566.825},{"sentences":[{"text":"Yep.","start":567.87,"end":568.37,"sentiment":"neutral","sentiment_score":0.15126469731330872}],"sentiment":"neutral","sentiment_score":0.15126469731330872,"channel":1,"num_words":1,"start":567.87,"end":568.37},{"sentences":[{"text":"Yeah.","start":569.28503,"end":569.60504,"sentiment":"neutral","sentiment_score":0.17166316509246826},{"text":"So what I've done is I've factored that into the projection.","start":569.60504,"end":571.945,"sentiment":"neutral","sentiment_score":0.2175210023468191},{"text":"The average returns bring up from just shy of 10% to about 12.2.","start":572.405,"end":577.79004,"sentiment":"positive","sentiment_score":0.33930961787700653},{"text":"And, again, for high growth, we kinda wanna be consistently hitting double digits.","start":577.93005,"end":581.95,"sentiment":"positive","sentiment_score":0.33461967225258166}],"sentiment":"neutral","sentiment_score":0.2980388148050559,"channel":0,"num_words":38,"start":569.28503,"end":581.95},{"sentences":[{"text":"So you still want me","start":584.645,"end":587.045,"sentiment":"neutral","sentiment_score":0.04819089099764824}],"sentiment":"neutral","sentiment_score":0.04819089099764824,"channel":1,"num_words":5,"start":584.645,"end":587.045},{"sentences":[{"text":"Now","start":586.97003,"end":587.47003,"sentiment":"neutral","sentiment_score":-0.0051730722188949585}],"sentiment":"neutral","sentiment_score":-0.0051730722188949585,"channel":0,"num_words":1,"start":586.97003,"end":587.47003},{"sentences":[{"text":"to do the Surrey sacrifice the ART?","start":587.045,"end":589.31,"sentiment":"neutral","sentiment_score":-0.027972720563411713}],"sentiment":"neutral","sentiment_score":-0.027972720563411713,"channel":1,"num_words":7,"start":587.045,"end":589.31},{"sentences":[{"text":"yes.","start":591.37006,"end":591.87006,"sentiment":"neutral","sentiment_score":0.05284470319747925},{"text":"Salary sacrifice to","start":592.21497,"end":593.255,"sentiment":"neutral","sentiment_score":0.08974571029345195}],"sentiment":"neutral","sentiment_score":0.08052045851945877,"channel":0,"num_words":4,"start":591.37006,"end":593.255},{"sentences":[{"text":"Yep.","start":593.05,"end":593.55,"sentiment":"neutral","sentiment_score":0.16178759932518005}],"sentiment":"neutral","sentiment_score":0.16178759932518005,"channel":1,"num_words":1,"start":593.05,"end":593.55},{"sentences":[{"text":"ART is perfectly fine.","start":593.255,"end":594.875,"sentiment":"positive","sentiment_score":0.42307978216558695},{"text":"If you do have an employer that's okay to split it between two to the funds, that would be ideal, but it's not too much of a trouble for us to do those rollovers on your behalf.","start":594.935,"end":604.95,"sentiment":"neutral","sentiment_score":0.10451567626079998}],"sentiment":"neutral","sentiment_score":0.13559510122712065,"channel":0,"num_words":41,"start":593.255,"end":604.95},{"sentences":[{"text":"Yep.","start":607.105,"end":607.605,"sentiment":"neutral","sentiment_score":0.1802668273448944},{"text":"I can have a look at that.","start":608.705,"end":610.085,"sentiment":"neutral","sentiment_score":0.24325739911624364}],"sentiment":"neutral","sentiment_score":0.23538357764482498,"channel":1,"num_words":8,"start":607.105,"end":610.085},{"sentences":[{"text":"Cool.","start":609.59,"end":610.09,"sentiment":"positive","sentiment_score":0.5608293414115906}],"sentiment":"positive","sentiment_score":0.5608293414115906,"channel":0,"num_words":1,"start":609.59,"end":610.09},{"sentences":[{"text":"It it should finish it","start":610.545,"end":612.065,"sentiment":"positive","sentiment_score":0.5412217736244201}],"sentiment":"positive","sentiment_score":0.5412217736244201,"channel":1,"num_words":5,"start":610.545,"end":612.065},{"sentences":[{"text":"Perfect.","start":611.99,"end":612.49,"sentiment":"positive","sentiment_score":0.7281680107116699}],"sentiment":"positive","sentiment_score":0.7281680107116699,"channel":0,"num_words":1,"start":611.99,"end":612.49},{"sentences":[{"text":"with it just do it.","start":612.065,"end":613.105,"sentiment":"positive","sentiment_score":0.6271973013877868},{"text":"I got taste, so that's why I didn't get it with that one.","start":613.105,"end":615.605,"sentiment":"neutral","sentiment_score":0.1461190483891047}],"sentiment":"neutral","sentiment_score":0.2797518964442942,"channel":1,"num_words":18,"start":612.065,"end":615.605},{"sentences":[{"text":"Yeah.","start":617.185,"end":617.42505,"sentiment":"neutral","sentiment_score":0.16660401225090027},{"text":"And that's what I've put in the document too.","start":617.42505,"end":619.585,"sentiment":"neutral","sentiment_score":0.21577915218141344},{"text":"It's just if you get everything going to ARC, it saves any markups with the payroll system.","start":619.585,"end":624.405,"sentiment":"neutral","sentiment_score":0.21356465360697577},{"text":"I have noted","start":625.025,"end":625.66504,"sentiment":"neutral","sentiment_score":0.13649339973926544}],"sentiment":"neutral","sentiment_score":0.20495652308066686,"channel":0,"num_words":30,"start":617.185,"end":625.66504},{"sentences":[{"text":"Yep.","start":625.54,"end":626.04,"sentiment":"neutral","sentiment_score":0.18590402603149417}],"sentiment":"neutral","sentiment_score":0.18590402603149417,"channel":1,"num_words":1,"start":625.54,"end":626.04},{"sentences":[{"text":"a few employers recently just really marking up contributions.","start":625.66504,"end":628.885,"sentiment":"neutral","sentiment_score":0.17954333126544952},{"text":"So the simpler, the better for those guys, and we can kind of handle the funds from there.","start":629.185,"end":635.06,"sentiment":"neutral","sentiment_score":0.22564064214626947}],"sentiment":"neutral","sentiment_score":0.21027487185266283,"channel":0,"num_words":27,"start":625.66504,"end":635.06},{"sentences":[{"text":"Yep.","start":635.935,"end":636.335,"sentiment":"neutral","sentiment_score":0.12704208493232727},{"text":"Not a problem.","start":636.335,"end":637.15497,"sentiment":"neutral","sentiment_score":0.23770220577716827}],"sentiment":"neutral","sentiment_score":0.21003717556595802,"channel":1,"num_words":4,"start":635.935,"end":637.15497},{"sentences":[{"text":"Now ten year projection, we're looking at about going from 400,000 to $4.80.","start":638.56,"end":643.78,"sentiment":"neutral","sentiment_score":0.19957916667828193},{"text":"Again, bit of a grain of salt.","start":643.84,"end":645.36,"sentiment":"neutral","sentiment_score":0.03279453569224903},{"text":"Markets go up and down, but it should be much, much improved.","start":645.36,"end":648.70496,"sentiment":"neutral","sentiment_score":0.21167641257246336},{"text":"And I've basically included a return table that show you all of the ART returns, the hub 24 returns, and then the new portfolio.","start":649.40497,"end":658.625,"sentiment":"neutral","sentiment_score":0.24759930682679018},{"text":"So it just has them all side by side over one, three, five, and ten years for you.","start":658.925,"end":664.42,"sentiment":"neutral","sentiment_score":0.22147879666752285}],"sentiment":"neutral","sentiment_score":0.20666499420799114,"channel":0,"num_words":74,"start":638.56,"end":664.42},{"sentences":[{"text":"Not a problem.","start":665.66504,"end":666.48505,"sentiment":"neutral","sentiment_score":0.2585862676302592}],"sentiment":"neutral","sentiment_score":0.2585862676302592,"channel":1,"num_words":3,"start":665.66504,"end":666.48505},{"sentences":[{"text":"Perfect.","start":668.16003,"end":668.66003,"sentiment":"positive","sentiment_score":0.49721360206604},{"text":"The only other thing was when it comes to the ART insurances, so they've obviously updated the figures there for the life, the TPD, the income protection.","start":669.12,"end":677.075,"sentiment":"neutral","sentiment_score":0.12302329777567475},{"text":"It's still very, very low cost under 7","start":677.535,"end":681.135,"sentiment":"neutral","sentiment_score":0.19530763290822506}],"sentiment":"neutral","sentiment_score":0.14948065847986275,"channel":0,"num_words":36,"start":668.16003,"end":681.135},{"sentences":[{"text":"Right.","start":681.01,"end":681.51,"sentiment":"neutral","sentiment_score":0.035063765943050385}],"sentiment":"neutral","sentiment_score":0.035063765943050385,"channel":1,"num_words":1,"start":681.01,"end":681.51},{"sentences":[{"text":"$100.","start":681.135,"end":682.035,"sentiment":"neutral","sentiment_score":0.033076703548431396},{"text":"The one that I couldn't do was I had a big call around with all the insurers about the trauma cover, which was that heart attack, stroke, and cancer.","start":683.135,"end":691.8,"sentiment":"neutral","sentiment_score":-0.1539095475755889},{"text":"We basically set together an affordability limit of about 50","start":693.22,"end":697.45996,"sentiment":"neutral","sentiment_score":-0.001888192445039749}],"sentiment":"neutral","sentiment_score":-0.11122955251485109,"channel":0,"num_words":40,"start":681.135,"end":697.45996},{"sentences":[{"text":"Okay.","start":697.325,"end":697.825,"sentiment":"neutral","sentiment_score":-0.008672671392560005}],"sentiment":"neutral","sentiment_score":-0.008672671392560005,"channel":1,"num_words":1,"start":697.325,"end":697.825},{"sentences":[{"text":"to 100 a month.","start":697.45996,"end":698.75995,"sentiment":"neutral","sentiment_score":0.01736551057547331},{"text":"Now they've improved what they do when it comes to health thresholds, but they did have a cutoff on in terms of BMI.","start":699.45996,"end":708.685,"sentiment":"neutral","sentiment_score":-0.00719381447719491},{"text":"And what ended up happening was they basically go, if you're above a 35 in BMI, they start adding loadings on, which","start":709.225,"end":717.42,"sentiment":"neutral","sentiment_score":-0.016299648496153004}],"sentiment":"neutral","sentiment_score":-0.009277305256917464,"channel":0,"num_words":49,"start":697.45996,"end":717.42},{"sentences":[{"text":"Right.","start":717.78503,"end":718.28503,"sentiment":"neutral","sentiment_score":-0.0015204823575913906}],"sentiment":"neutral","sentiment_score":-0.0015204823575913906,"channel":1,"num_words":1,"start":717.78503,"end":718.28503},{"sentences":[{"text":"increase the price of it by, like, 50 to a 100%.","start":717.82,"end":721.12,"sentiment":"neutral","sentiment_score":0.0032462753694165835}],"sentiment":"neutral","sentiment_score":0.0032462753694165835,"channel":0,"num_words":11,"start":717.82,"end":721.12},{"sentences":[{"text":"Yep.","start":722.34503,"end":722.84503,"sentiment":"neutral","sentiment_score":-0.01276934426277876}],"sentiment":"neutral","sentiment_score":-0.01276934426277876,"channel":1,"num_words":1,"start":722.34503,"end":722.84503},{"sentences":[{"text":"Now anything above a certain threshold, they basically just decline it straight away, but they're slowly increasing those thresholds.","start":724.3,"end":731.51996,"sentiment":"neutral","sentiment_score":-0.15919957388388484},{"text":"So I didn't recommend it for you at this point because it was coming out to be, you know, $3.04, $500 a month out of pocket if they would accept it.","start":732.015,"end":743.395,"sentiment":"neutral","sentiment_score":-0.32070016091869724}],"sentiment":"neutral","sentiment_score":-0.25932993784546854,"channel":0,"num_words":50,"start":724.3,"end":743.395},{"sentences":[{"text":"Yep.","start":744.585,"end":744.98505,"sentiment":"neutral","sentiment_score":-0.04477626085281372},{"text":"No.","start":744.98505,"end":745.145,"sentiment":"neutral","sentiment_score":-0.14335668087005615},{"text":"That's right.","start":745.145,"end":745.54504,"sentiment":"neutral","sentiment_score":-0.1473461389541626},{"text":"I believe that","start":745.54504,"end":746.10504,"sentiment":"neutral","sentiment_score":-0.10929504285256068}],"sentiment":"neutral","sentiment_score":-0.11581576402698245,"channel":1,"num_words":7,"start":744.585,"end":746.10504},{"sentences":[{"text":"Yeah.","start":746.09503,"end":746.59503,"sentiment":"neutral","sentiment_score":-0.14606592059135437}],"sentiment":"neutral","sentiment_score":-0.14606592059135437,"channel":0,"num_words":1,"start":746.09503,"end":746.59503},{"sentences":[{"text":"one's invalid.","start":746.10504,"end":746.84503,"sentiment":"neutral","sentiment_score":-0.2521505653858185}],"sentiment":"neutral","sentiment_score":-0.2521505653858185,"channel":1,"num_words":2,"start":746.10504,"end":746.84503},{"sentences":[{"text":"Cool.","start":748.49,"end":748.88995,"sentiment":"neutral","sentiment_score":-0.06053069233894348},{"text":"So what I'm basically saying there is you still got the life, PPD, and income protection.","start":748.88995,"end":753.07,"sentiment":"neutral","sentiment_score":-0.07721375278197229},{"text":"We just couldn't get the trauma at this point.","start":753.20996,"end":755.63,"sentiment":"neutral","sentiment_score":-0.24888580871952903},{"text":"If the pricing looks better next time we look at it, I might look at recommending it, but at this point, it's just kind of wasn't worth trying.","start":755.69,"end":763.73505,"sentiment":"neutral","sentiment_score":-0.2420165597328118}],"sentiment":"neutral","sentiment_score":-0.19097012384898132,"channel":0,"num_words":54,"start":748.49,"end":763.73505},{"sentences":[{"text":"Not a problem.","start":765.91,"end":766.73,"sentiment":"neutral","sentiment_score":0.05977540339032808}],"sentiment":"neutral","sentiment_score":0.05977540339032808,"channel":1,"num_words":3,"start":765.91,"end":766.73},{"sentences":[{"text":"Cool.","start":768.67505,"end":769.17505,"sentiment":"neutral","sentiment_score":0.25946569442749023},{"text":"That's pretty much it.","start":770.03503,"end":771.075,"sentiment":"positive","sentiment_score":0.43592851608991623},{"text":"Everything's looking pretty smooth.","start":771.075,"end":772.35504,"sentiment":"positive","sentiment_score":0.6313125938177109},{"text":"The estate planning's good.","start":772.35504,"end":773.73,"sentiment":"positive","sentiment_score":0.6481351852416992},{"text":"You've got the the renovations and savings to do, and this just kind of brings everything where it should be for the super.","start":773.97,"end":780.70996,"sentiment":"positive","sentiment_score":0.5689280875351118}],"sentiment":"positive","sentiment_score":0.5612865802314546,"channel":0,"num_words":36,"start":768.67505,"end":780.70996},{"sentences":[{"text":"And I did wanna double check.","start":781.57,"end":783.01,"sentiment":"neutral","sentiment_score":0.07890358132620652},{"text":"Are you okay with that $20 a fortnight?","start":783.01,"end":785.11,"sentiment":"neutral","sentiment_score":0.03570087254047394}],"sentiment":"neutral","sentiment_score":0.05421631916293076,"channel":0,"num_words":14,"start":781.57,"end":785.11},{"sentences":[{"text":"Yeah.","start":786.87,"end":787.11,"sentiment":"neutral","sentiment_score":0.05044674873352051},{"text":"Yeah.","start":787.11,"end":787.35,"sentiment":"neutral","sentiment_score":0.07933153212070465},{"text":"That's fine.","start":787.35,"end":787.99,"sentiment":"neutral","sentiment_score":0.14839743822813034},{"text":"That's not affecting anything.","start":787.99,"end":789.21,"sentiment":"neutral","sentiment_score":0.13192588090896606}],"sentiment":"neutral","sentiment_score":0.11928458511829376,"channel":1,"num_words":8,"start":786.87,"end":789.21},{"sentences":[{"text":"Perfect.","start":791.07495,"end":791.555,"sentiment":"positive","sentiment_score":0.5288744568824768},{"text":"Perfect.","start":791.555,"end":791.95496,"sentiment":"positive","sentiment_score":0.49887198209762573},{"text":"So we'll keep track of things and just keep updating it at the next reviews as well.","start":791.95496,"end":796.69495,"sentiment":"positive","sentiment_score":0.3433165076900931},{"text":"And if you wanna increase or decrease that, just go for it.","start":797.63495,"end":800.91,"sentiment":"neutral","sentiment_score":0.14975613417724767},{"text":"If something happens throughout the year where you feel like you really need the cash flow, you know, you can stop it through payroll at any point.","start":800.99,"end":809.00995,"sentiment":"neutral","sentiment_score":0.1255729671705652}],"sentiment":"neutral","sentiment_score":0.207787427473171,"channel":0,"num_words":58,"start":791.07495,"end":809.00995},{"sentences":[{"text":"And if we wanna look at increasing it down the line, I can have that chat with you at the next review.","start":809.06995,"end":813.56995,"sentiment":"neutral","sentiment_score":0.12925530360503631}],"sentiment":"neutral","sentiment_score":0.12925530360503631,"channel":0,"num_words":22,"start":809.06995,"end":813.56995},{"sentences":[{"text":"Not a problem.","start":814.92004,"end":815.74,"sentiment":"neutral","sentiment_score":0.17725980281829834}],"sentiment":"neutral","sentiment_score":0.17725980281829834,"channel":1,"num_words":3,"start":814.92004,"end":815.74},{"sentences":[{"text":"Awesome, Kim.","start":817.36505,"end":818.005,"sentiment":"positive","sentiment_score":0.4051384776830673},{"text":"Do you have any questions for me so far?","start":818.005,"end":819.945,"sentiment":"neutral","sentiment_score":0.18048730078670713}],"sentiment":"neutral","sentiment_score":0.22133296931331808,"channel":0,"num_words":11,"start":817.36505,"end":819.945},{"sentences":[{"text":"Not at this stage.","start":821.0,"end":821.96,"sentiment":"neutral","sentiment_score":-0.06822758633643389},{"text":"No.","start":821.96,"end":822.46,"sentiment":"neutral","sentiment_score":-0.06022043153643608}],"sentiment":"neutral","sentiment_score":-0.06662615537643432,"channel":1,"num_words":5,"start":821.0,"end":822.46},{"sentences":[{"text":"Okay.","start":824.405,"end":824.905,"sentiment":"neutral","sentiment_score":-0.037830010056495667},{"text":"From there, I do I know you're in the car.","start":825.525,"end":827.705,"sentiment":"neutral","sentiment_score":-0.09524668492376805},{"text":"Apologies for that.","start":829.88,"end":830.68,"sentiment":"neutral","sentiment_score":-0.17770576973756155},{"text":"I had a phone lag there.","start":830.68,"end":833.02,"sentiment":"negative","sentiment_score":-0.33736864229043323},{"text":"With the contact frequency, I was just gonna ask you, did you want me to pencil in any other catch ups before the end of the year?","start":834.27997,"end":843.705,"sentiment":"neutral","sentiment_score":-0.08805678019093142}],"sentiment":"neutral","sentiment_score":-0.12606721462562998,"channel":0,"num_words":47,"start":824.405,"end":843.705},{"sentences":[{"text":"Do you just prefer to go through the annual review next year?","start":843.705,"end":846.905,"sentiment":"neutral","sentiment_score":-0.031661579540620245},{"text":"What would be your preference?","start":846.905,"end":848.04504,"sentiment":"neutral","sentiment_score":-0.003277730569243431}],"sentiment":"neutral","sentiment_score":-0.02331338866668589,"channel":0,"num_words":17,"start":843.705,"end":848.04504},{"sentences":[{"text":"At this stage, still happy with the annual review.","start":849.83,"end":852.25,"sentiment":"positive","sentiment_score":0.3366924367017216}],"sentiment":"positive","sentiment_score":0.3366924367017216,"channel":1,"num_words":9,"start":849.83,"end":852.25},{"sentences":[{"text":"Cool.","start":854.48004,"end":854.72003,"sentiment":"positive","sentiment_score":0.5820015072822571},{"text":"And if something pops up, are you okay just to ring in and let us know if you need anything else?","start":854.72003,"end":859.06,"sentiment":"neutral","sentiment_score":0.1554186429296221}],"sentiment":"neutral","sentiment_score":0.17480877312746915,"channel":0,"num_words":22,"start":854.48004,"end":859.06},{"sentences":[{"text":"Oh, yeah.","start":858.66504,"end":859.965,"sentiment":"neutral","sentiment_score":0.06359693966805935},{"text":"If anything pops up or 7¢ to change, I can just call through.","start":860.10504,"end":863.30505,"sentiment":"neutral","sentiment_score":0.04741213470697403},{"text":"That's no problem.","start":863.30505,"end":864.205,"sentiment":"neutral","sentiment_score":0.30964364608128864}],"sentiment":"neutral","sentiment_score":0.0955923784743337,"channel":1,"num_words":18,"start":858.66504,"end":864.205},{"sentences":[{"text":"Amazing.","start":866.0,"end":866.5,"sentiment":"positive","sentiment_score":0.6840962171554565},{"text":"Amazing.","start":867.44,"end":867.94,"sentiment":"positive","sentiment_score":0.7078128457069397},{"text":"I'll leave that pack with you there.","start":868.425,"end":870.205,"sentiment":"positive","sentiment_score":0.5008232252938407},{"text":"Just quickly, have you ever used our new kind of purple Odoo sign, DocuSign system before?","start":871.145,"end":876.685,"sentiment":"neutral","sentiment_score":0.07188236643560231}],"sentiment":"neutral","sentiment_score":0.24191158011555672,"channel":0,"num_words":25,"start":866.0,"end":876.685},{"sentences":[{"text":"Yes.","start":878.44,"end":878.94,"sentiment":"neutral","sentiment_score":0.0428495928645134},{"text":"Well, I've used DocuSign.","start":879.63995,"end":880.77997,"sentiment":"neutral","sentiment_score":0.030198218300938606},{"text":"But I I don't know if it's the same as the one you've got.","start":885.79504,"end":889.575,"sentiment":"neutral","sentiment_score":0.008640379245792116}],"sentiment":"neutral","sentiment_score":0.014979356605755655,"channel":1,"num_words":19,"start":878.44,"end":889.575},{"sentences":[{"text":"Mhmm.","start":891.11,"end":891.35,"sentiment":"neutral","sentiment_score":0.030879691243171692},{"text":"Yeah.","start":891.35,"end":891.75,"sentiment":"neutral","sentiment_score":0.07735221087932587},{"text":"It's very, very similar because we've got this new system that we kind of purpose built for ourselves.","start":891.75,"end":897.395,"sentiment":"neutral","sentiment_score":0.16109442338347435},{"text":"It works the same way as DocuSign where, basically, when you go into the email, it'll have a sign button.","start":897.935,"end":904.435,"sentiment":"neutral","sentiment_score":0.1155473655089736},{"text":"And when you click that purple button, it'll bring open all the documents for you to look through.","start":904.655,"end":909.09,"sentiment":"neutral","sentiment_score":0.14747901343637043}],"sentiment":"neutral","sentiment_score":0.13747415646653752,"channel":0,"num_words":58,"start":891.11,"end":909.09},{"sentences":[{"text":"And then","start":909.89,"end":910.29004,"sentiment":"neutral","sentiment_score":0.11063647642731667}],"sentiment":"neutral","sentiment_score":0.11063647642731667,"channel":0,"num_words":2,"start":909.89,"end":910.29004},{"sentences":[{"text":"Yep.","start":910.19995,"end":910.69995,"sentiment":"neutral","sentiment_score":0.1087217926979065}],"sentiment":"neutral","sentiment_score":0.1087217926979065,"channel":1,"num_words":1,"start":910.19995,"end":910.69995},{"sentences":[{"text":"what you can do is because there's eight of them, you can either scroll through each document, like reading the statement of advice.","start":910.29004,"end":917.03,"sentiment":"neutral","sentiment_score":0.10910555914692256},{"text":"You can also click next document to kind of just switch across to the other one.","start":917.09,"end":921.75,"sentiment":"neutral","sentiment_score":0.08884479361586273}],"sentiment":"neutral","sentiment_score":0.10079345021110314,"channel":0,"num_words":39,"start":910.29004,"end":921.75},{"sentences":[{"text":"Yep.","start":922.655,"end":923.155,"sentiment":"neutral","sentiment_score":0.11432604491710664}],"sentiment":"neutral","sentiment_score":0.11432604491710664,"channel":1,"num_words":1,"start":922.655,"end":923.155},{"sentences":[{"text":"And then there should be some kind of signing buttons which will drag you down through the signature name and date spot.","start":923.645,"end":930.78503,"sentiment":"neutral","sentiment_score":0.12568047778172928},{"text":"And then what basically happens is it automatically stamps the signature on.","start":930.84503,"end":935.58,"sentiment":"neutral","sentiment_score":0.11092521933217843},{"text":"But if you would like to draw it, you can just click on the signature, and it brings open a box to do a bit of a drawing as well.","start":935.58,"end":942.08,"sentiment":"neutral","sentiment_score":0.1358202909429868}],"sentiment":"neutral","sentiment_score":0.12766690424177796,"channel":0,"num_words":64,"start":923.645,"end":942.08},{"sentences":[{"text":"Yep.","start":942.975,"end":943.295,"sentiment":"neutral","sentiment_score":0.21963338553905487},{"text":"That's not a problem.","start":943.295,"end":944.435,"sentiment":"positive","sentiment_score":0.4634940177202225}],"sentiment":"positive","sentiment_score":0.41472189128398895,"channel":1,"num_words":5,"start":942.975,"end":944.435},{"sentences":[{"text":"Awesome.","start":946.46,"end":946.96,"sentiment":"positive","sentiment_score":0.6621323823928833},{"text":"Any questions for me before I let you go a few weekends and and to pick up your brother?","start":947.58,"end":951.465,"sentiment":"neutral","sentiment_score":0.21080104261636734}],"sentiment":"neutral","sentiment_score":0.23336760960519315,"channel":0,"num_words":20,"start":946.46,"end":951.465},{"sentences":[{"text":"Not that I can think of at the time.","start":952.65497,"end":954.095,"sentiment":"neutral","sentiment_score":-0.19574122627576193},{"text":"It's nice.","start":954.095,"end":954.575,"sentiment":"positive","sentiment_score":0.7203529477119446},{"text":"Thank you very much.","start":954.575,"end":955.635,"sentiment":"positive","sentiment_score":0.8242916166782379}],"sentiment":"neutral","sentiment_score":0.19841342171033224,"channel":1,"num_words":15,"start":952.65497,"end":955.635},{"sentences":[{"text":"Awesome, Ken.","start":957.705,"end":958.585,"sentiment":"positive","sentiment_score":0.7900419235229492},{"text":"I really appreciate you taking the time, and I do apologize about the meeting time mix up.","start":958.585,"end":963.84,"sentiment":"positive","sentiment_score":0.41886746708084555},{"text":"I'll make sure I double check that for the next one as well.","start":964.4,"end":967.86005,"sentiment":"neutral","sentiment_score":0.303392421740752}],"sentiment":"positive","sentiment_score":0.395154133439064,"channel":0,"num_words":32,"start":957.705,"end":967.86005},{"sentences":[{"text":"No.","start":968.79,"end":969.02997,"sentiment":"neutral","sentiment_score":0.05980169028043747},{"text":"That's all good.","start":969.02997,"end":969.67,"sentiment":"positive","sentiment_score":0.35171016057332355},{"text":"Not a problem.","start":969.67,"end":970.49,"sentiment":"positive","sentiment_score":0.379502276579539}],"sentiment":"neutral","sentiment_score":0.3219198573912893,"channel":1,"num_words":7,"start":968.79,"end":970.49},{"sentences":[{"text":"So I'll leave that pack with you.","start":972.48004,"end":974.0,"sentiment":"positive","sentiment_score":0.3727430488382067},{"text":"Any questions, just give us a buzz, but you have a fantastic weekend.","start":974.0,"end":978.9,"sentiment":"positive","sentiment_score":0.5120376531894391}],"sentiment":"positive","sentiment_score":0.46328454166650773,"channel":0,"num_words":20,"start":972.48004,"end":978.9},{"sentences":[{"text":"Will do.","start":980.145,"end":980.705,"sentiment":"positive","sentiment_score":0.6543706655502319},{"text":"You too.","start":980.705,"end":981.185,"sentiment":"positive","sentiment_score":0.5088486075401306},{"text":"Thanks very much.","start":981.185,"end":982.165,"sentiment":"positive","sentiment_score":0.778263529141744}],"sentiment":"positive","sentiment_score":0.6658898762294224,"channel":1,"num_words":7,"start":980.145,"end":982.165},{"sentences":[{"text":"Thanks, Kim.","start":983.665,"end":984.385,"sentiment":"positive","sentiment_score":0.7055954933166504},{"text":"See you later.","start":984.385,"end":985.125,"sentiment":"positive","sentiment_score":0.6018634835879008}],"sentiment":"positive","sentiment_score":0.6433562874794007,"channel":0,"num_words":5,"start":983.665,"end":985.125},{"sentences":[{"text":"Bye.","start":985.985,"end":986.485,"sentiment":"neutral","sentiment_score":-0.08902432024478912}],"sentiment":"neutral","sentiment_score":-0.08902432024478912,"channel":1,"num_words":1,"start":985.985,"end":986.485}]},"summary":{"result":"success","short":"A customer named Tommy discusses his portfolios and retirement goals with a representative named Kim. They update the file with retirement goals and savings, including a new retirement goal and savings. The speaker emphasizes the importance of updating the projection and keeping track of risk factors, and offers assistance with updating a profile and reviewing the plan at a later time. The Surrey sacrifice is a one-time thing, and the average returns bring up from 10% to around 12.2. The speaker emphasizes the importance of updating the projection and keeping track of risk factors, and offers assistance with a meeting time mix-up."},"intents":{"segments":[{"text":"I wanted to do today was just kind of just run through the updated strategy, see if you're comfortable with it, answer any questions you've got, Not and to go over the key points together. a problem.","start_word":184,"end_word":220,"intents":[{"intent":"Update strategy and documents","confidence_score":0.10792659}]},{"text":"Now for the updated strategy, what we've kind of done is we've been having some discussions with our investment committee about some changes that are going on this year because, obviously, the government's brought in some new legislation, and the war on Iran has kind of moved things around a little bit. Mhmm.","start_word":279,"end_word":331,"intents":[{"intent":"Update strategy and discuss changes","confidence_score":0.01260332}]},{"text":"I have included some scoping here just around the retirement goal that you have, Yes. updating the hub 24 portfolio, doing a bit of a movement of funds between ART, and just kind of showing you the difference for that salary sacrifice as well. Now Yep.","start_word":348,"end_word":393,"intents":[{"intent":"Discuss retirement goal and compare contributions","confidence_score":0.0000066588186}]},{"text":"They didn't actually say any amounts or anything. So just thought I'd double check with you. Yep.","start_word":456,"end_word":472,"intents":[{"intent":"Confirm total sum and include information","confidence_score":7.78407e-9}]},{"text":"in terms of the state planning, you've already got everything in place for the estate plan as far as wills and beneficiary nominations, so that should all be good. Yes.","start_word":582,"end_word":611,"intents":[{"intent":"Discuss tbd and beneficiary nominations","confidence_score":0.04871614}]},{"text":"Last thing in terms of scoping was just we're not giving you advice in this document about cash flow or debt management. Obviously, you're already paying off the mortgage, and we did have a few notes of saving up for a holiday to The US and Europe, off to the Rockies, and a bit of a river cruise.","start_word":617,"end_word":674,"intents":[{"intent":"Plan vacation plans","confidence_score":0.007877256}]},{"text":"So when it comes to the main recommendations in the advice document, So as a quick refresher, you're in that high growth risk profile, if that rings a bell. Uh-huh.","start_word":996,"end_word":1025,"intents":[{"intent":"Update portfolio recommendations","confidence_score":0.61177945}]},{"text":"Now what you'll see in the updated portfolio is there was a couple of options that weren't performing as well and a few that had some really good returns that we're looking to kind of switch out.","start_word":1271,"end_word":1307,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.072064124}]},{"text":"It's just if you get everything going to ARC, it saves any markups with the payroll system.","start_word":1656,"end_word":1672,"intents":[{"intent":"Resolve arc cuts","confidence_score":0.00039970316}]},{"text":"So we'll keep track of things and just keep updating it at the next reviews as well. And if you wanna increase or decrease that, just go for it. If something happens throughout the year where you feel like you really need the cash flow, you know, you can stop it through payroll at any point. And if we wanna look at increasing it down the line, I can have that chat with you at the next review. Not a problem.","start_word":2102,"end_word":2182,"intents":[{"intent":"Update information","confidence_score":0.010971985}]},{"text":"I had a phone lag there. With the contact frequency, I was just gonna ask you, did you want me to pencil in any other catch ups before the end of the year?","start_word":2214,"end_word":2246,"intents":[{"intent":"Write checks","confidence_score":0.00003090286}]},{"text":"Do you just prefer to go through the annual review next year? What would be your preference?","start_word":2246,"end_word":2262,"intents":[{"intent":"Review system and customize for next year","confidence_score":3.5642767e-9}]},{"text":"I'll leave that pack with you there.","start_word":2314,"end_word":2320,"intents":[{"intent":"Leave pack","confidence_score":0.03448655}]},{"text":"It's very, very similar because we've got this new system that we kind of purpose built for ourselves. It works the same way as DocuSign where, basically, when you go into the email, it'll have a sign button. And when you click that purple button, it'll bring open all the documents for you to look through. And then Yep.","start_word":2358,"end_word":2416,"intents":[{"intent":"Access documents","confidence_score":0.021577612}]},{"text":"Any questions for me before I let you go a few weekends and and to pick up your brother?","start_word":2527,"end_word":2545,"intents":[{"intent":"Send questions","confidence_score":0.0045482}]}]},"sentiments":{"segments":[{"text":"Good afternoon, Kim. Tommy here. How are you doing? Good. Thanks. Yourself? I'm doing fantastic. It's been a brilliant week. Happy Friday to you. To you too.","start_word":0,"end_word":26,"sentiment":"positive","sentiment_score":0.6254204511642456},{"text":"Yeah. Sorry about that. Thanks. The 12:00 appointment was supposed to be for last Friday, but because something was late, it was delayed to this week. And then this one, she'd said it was for 03:30. So that's why I wasn't expecting your call. Oh, gotcha. Gotcha. Gotcha. Yes. Sorry. I don't I think we we close-up at about 03:00 on a Friday. That must have been why. I don't think you've got any daylight savings or anything. Apologies for that. No. Have That's you got alright. a bit of time for me now? Or Yeah. Yeah. No problem. I'm just on the way to go pick my brother-in-law up to take him to a specialist appointment, so I'm good at the moment.","start_word":27,"end_word":149,"sentiment":"neutral","sentiment_score":-0.05780147388577461},{"text":"perfect.","start_word":150,"end_word":150,"sentiment":"positive","sentiment_score":0.4822940826416016},{"text":"Okay. So what I'll do is I'm just gonna pop this pack through to your email just so you can have a look at it when you get a chance. And all Yes. I wanted to do today was just kind of just run through the updated strategy, see if you're comfortable with it, answer any questions you've got, Not and to go over the key points together. a problem. Also, what kind of come out to you is a statement of advice and an updated agreement, some appendix with some Mhmm. additional research. And we've got all the product disclosure documents as well, so there's another there's probably about seven documents in that email there. Most of it is just Right. informational. Yes.","start_word":151,"end_word":274,"sentiment":"neutral","sentiment_score":0.08770932257175446},{"text":"That's all good.","start_word":275,"end_word":277,"sentiment":"positive","sentiment_score":0.4049636721611023},{"text":"Now for the updated strategy, what we've kind of done is we've been having some discussions with our investment committee about some changes that are going on this year because, obviously, the government's brought in some new legislation, and the war on Iran has kind of moved things around a little bit. Mhmm. So what we're doing is we're making a few different changes to the portfolios at the moment. I have included some scoping here just around the retirement goal that you have, Yes. updating the hub 24 portfolio, doing a bit of a movement of funds between ART, and just kind of showing you the difference for that salary sacrifice as well. Now Yep. just before I jump into the crux of it, did you end up setting up the salary sacrifice into your ARC fund? I did for the last financial year. So I was doing 20 a fortnight.","start_word":278,"end_word":429,"sentiment":"neutral","sentiment_score":0.03898019343614578},{"text":"Perfect. Amazing.","start_word":430,"end_word":431,"sentiment":"positive","sentiment_score":0.5799634456634521},{"text":"So when they sent through the update of these, they just that was the one thing that they didn't include. They just said yes. They didn't actually say any amounts or anything. So just thought I'd double check with you. Yep. No. That's alright. Yeah. It was 20 Cool. a fortnight I set it up for.","start_word":432,"end_word":487,"sentiment":"neutral","sentiment_score":0.028903964906930923},{"text":"Perfect.","start_word":488,"end_word":488,"sentiment":"positive","sentiment_score":0.36383306980133057},{"text":"So this document just has a bit of a tax table that just shows you the differences that that makes both in the projection and in, like, your take home pay and taxes and so on. And the other Mhmm. thing was we were looking at a bit of trauma insurance for you, which was for that, like, heart attack, stroke, and cancer. Right. We weren't doing anything else in terms of replacing your life TBD or income protection because that was all pretty good through ARC at the moment. And just Right. in terms of the state planning, you've already got everything in place for the estate plan as far as wills and beneficiary nominations, so that should all be good. Yes.","start_word":489,"end_word":611,"sentiment":"neutral","sentiment_score":0.09477820992469788},{"text":"That's all done. Perfect.","start_word":612,"end_word":615,"sentiment":"positive","sentiment_score":0.3981855511665344},{"text":"Last thing in terms of scoping was just we're not giving you advice in this document about cash flow or debt management. Obviously, you're already paying off the mortgage, and we did have a few notes of saving up for a holiday to The US and Europe, off to the Rockies, and a bit of a river cruise. Did you not going on any holidays? Not at the moment, but I have paid the home loan out. Yes.","start_word":616,"end_word":693,"sentiment":"neutral","sentiment_score":-0.027785710990428925},{"text":"Nice. Fantastic.","start_word":694,"end_word":695,"sentiment":"positive","sentiment_score":0.5201486349105835},{"text":"So just to quickly double check some of the details, we had you as a call center operator on just shy of $80. Has that changed significantly? No. That's still the same.","start_word":696,"end_word":727,"sentiment":"neutral","sentiment_score":0.035504963248968124},{"text":"Perfect.","start_word":728,"end_word":728,"sentiment":"positive","sentiment_score":0.4380285143852234},{"text":"Perfect. And then with the assets and liabilities, so we've got the home, little bit of shares, bit of savings, and you just split it between the different savings accounts and transaction accounts. For the mortgage, is that completely cleared out now? Because I think we had it a 149,000 previously. Is it that that's completely gone. Amazing. Amazing. Amazing. So now that that's gone, what would be the priority for you at the moment? Just building up the savings? Or Well, building up the savings, but also doing some repairs on the current home. So there is another home there is another home loan I've applied for, which I haven't got yet, but that's for 40,000. And that's just for the renovation. Yes. Amazing. And the savings. So I'm just gonna update the file with those ones. Now when I it comes don't book for this down there. I I don't I only bank with Suncorp now. Once I paid out the home, I don't need to close everything with our ACQ because they're to moving across. uh-huh. Gotcha. Right. Okay. And, obviously, that's not been approved yet, so it's a bit of a an up and coming thing. It's still in the process. They're sending out communications and all that. So at the moment, it is expected to be in October. But, yeah, in July beginning of July, I closed down all the RACQ accounts. So now everything's with some call Amazing. to speak with them beginning of the year.","start_word":729,"end_word":980,"sentiment":"neutral","sentiment_score":-0.001763594735945974},{"text":"Perfect.","start_word":981,"end_word":981,"sentiment":"positive","sentiment_score":0.5970975160598755},{"text":"Okay.","start_word":982,"end_word":982,"sentiment":"neutral","sentiment_score":0.306057870388031},{"text":"So I've got all that updated. Thank you so much for that.","start_word":983,"end_word":994,"sentiment":"positive","sentiment_score":0.5543302297592163},{"text":"Alrighty. So when it comes to the main recommendations in the advice document, So as a quick refresher, you're in that high growth risk profile, if that rings a bell. Uh-huh. And what we're basically doing here so when you get to that halfway through the document, you'll see, like, a strategy page with quite a lot of text in there. And it basically Yep. just goes over the main recommendations, which is we're gonna update the portfolio within hub, do a bit of a switch around with funds from ART into the hub, and then we just put in that salary sacrifice as well. What that's essentially going to do is lower the investment fees, improve the return, and the only sort of main disadvantage is we haven't been able to consolidate the two funds because we can't do transfer terms at this Yep. point. There's a bit of brokerage fees, which we factored in there because all of the investments that we recommend, they are ETFs. So you purchase them a little bit up front for about 0.11%. And then from that going forward, they're kind of the lowest fee investments that you can get. Uh-huh. Now what you'll see is that ARC have actually changed the name of their investment. So you were previously in an option called a growth portfolio, but they've actually renamed it to high growth because it was actually Yes. already in line with the risk profile. It already had heaps and heaps of shares and property. So they just renamed Yep. it, but it's still pretty much exactly the same investment as it was before. Yep.","start_word":995,"end_word":1268,"sentiment":"neutral","sentiment_score":0.04775835946202278},{"text":"Yep. Perfect.","start_word":1269,"end_word":1270,"sentiment":"positive","sentiment_score":0.5751778483390808},{"text":"Now what you'll see in the updated portfolio is there was a couple of options that weren't performing as well and a few that had some really good returns that we're looking to kind of switch out. And, basically, what I've done is I've mixed in something called the BetaShares Australia two hundred as the main Australian shares portion. So it's a passive replacement. So low fees, better performance, and a few options get kind of reweighted back to where they should have originally been because some grow, some dip, and we just wanna bring them back into the middle.","start_word":1271,"end_word":1370,"sentiment":"neutral","sentiment_score":0.19536112248897552},{"text":"Yep. Cool.","start_word":1371,"end_word":1372,"sentiment":"positive","sentiment_score":0.4052986204624176},{"text":"In terms of asset allocation, it's not too much of a difference. So for high growth, you wanna be between 90 to a 100% growth asset. You're sitting at 90.3. With the rebalance, you'll probably be at about 933%. Mhmm. Okay. Mhmm. Now when you look in the fee comparison table, it'll show you the current balances. So hub twenty four is at $1.58. ARC is at 33. If we move across the bulk of that into Hub and leave the usual 10,000, it just goes over fee differences. So the extra $20 of salary sacrifice per fortnight, there's about $500 drop in the investment fee. But to move all of the investments around, the super inside under the hood, it pays about $3.35 in capital gains tax to do all of those switches. It's just like a one off internal tax. Yep. Yeah. So what I've done is I've factored that into the projection. The average returns bring up from just shy of 10% to about 12.2. And, again, for high growth, we kinda wanna be consistently hitting double digits. So you still want me Now to do the Surrey sacrifice the ART? yes. Salary sacrifice to Yep.","start_word":1373,"end_word":1571,"sentiment":"neutral","sentiment_score":0.15443454682826996},{"text":"ART is perfectly fine.","start_word":1572,"end_word":1575,"sentiment":"positive","sentiment_score":0.49828967452049255},{"text":"If you do have an employer that's okay to split it between two to the funds, that would be ideal, but it's not too much of a trouble for us to do those rollovers on your behalf. Yep. I can have a look at that.","start_word":1576,"end_word":1620,"sentiment":"neutral","sentiment_score":0.13085605204105377},{"text":"Cool. It it should finish it Perfect. with it just do it.","start_word":1621,"end_word":1632,"sentiment":"positive","sentiment_score":0.5996414422988892},{"text":"I got taste, so that's why I didn't get it with that one. Yeah. And that's what I've put in the document too. It's just if you get everything going to ARC, it saves any markups with the payroll system. I have noted Yep. a few employers recently just really marking up contributions. So the simpler, the better for those guys, and we can kind of handle the funds from there. Yep. Not a problem. Now ten year projection, we're looking at about going from 400,000 to $4.80. Again, bit of a grain of salt. Markets go up and down, but it should be much, much improved. And I've basically included a return table that show you all of the ART returns, the hub 24 returns, and then the new portfolio. So it just has them all side by side over one, three, five, and ten years for you. Not a problem.","start_word":1633,"end_word":1784,"sentiment":"neutral","sentiment_score":0.19969840347766876},{"text":"Perfect.","start_word":1785,"end_word":1785,"sentiment":"positive","sentiment_score":0.49721360206604},{"text":"The only other thing was when it comes to the ART insurances, so they've obviously updated the figures there for the life, the TPD, the income protection. It's still very, very low cost under 7 Right. $100. The one that I couldn't do was I had a big call around with all the insurers about the trauma cover, which was that heart attack, stroke, and cancer. We basically set together an affordability limit of about 50 Okay. to 100 a month. Now they've improved what they do when it comes to health thresholds, but they did have a cutoff on in terms of BMI. And what ended up happening was they basically go, if you're above a 35 in BMI, they start adding loadings on, which Right. increase the price of it by, like, 50 to a 100%. Yep. Now anything above a certain threshold, they basically just decline it straight away, but they're slowly increasing those thresholds.","start_word":1786,"end_word":1943,"sentiment":"neutral","sentiment_score":-0.01779725357795818},{"text":"So I didn't recommend it for you at this point because it was coming out to be, you know, $3.","start_word":1944,"end_word":1963,"sentiment":"negative","sentiment_score":-0.3543221056461334},{"text":"04, $500 a month out of pocket if they would accept it. Yep. No. That's right. I believe that Yeah. one's invalid. Cool. So what I'm basically saying there is you still got the life, PPD, and income protection. We just couldn't get the trauma at this point. If the pricing looks better next time we look at it, I might look at recommending it, but at this point, it's just kind of wasn't worth trying. Not a problem. Cool.","start_word":1963,"end_word":2042,"sentiment":"neutral","sentiment_score":-0.17321915924549103},{"text":"That's pretty much it. Everything's looking pretty smooth. The estate planning's good. You've got the the renovations and savings to do, and this just kind of brings everything where it should be for the super.","start_word":2043,"end_word":2077,"sentiment":"positive","sentiment_score":0.5679321885108948},{"text":"And I did wanna double check. Are you okay with that $20 a fortnight? Yeah. Yeah. That's fine. That's not affecting anything.","start_word":2078,"end_word":2099,"sentiment":"neutral","sentiment_score":0.08439575880765915},{"text":"Perfect. Perfect. So we'll keep track of things and just keep updating it at the next reviews as well.","start_word":2100,"end_word":2118,"sentiment":"positive","sentiment_score":0.3714785575866699},{"text":"And if you wanna increase or decrease that, just go for it. If something happens throughout the year where you feel like you really need the cash flow, you know, you can stop it through payroll at any point. And if we wanna look at increasing it down the line, I can have that chat with you at the next review. Not a problem.","start_word":2119,"end_word":2182,"sentiment":"neutral","sentiment_score":0.13638536632061005},{"text":"Awesome, Kim.","start_word":2183,"end_word":2184,"sentiment":"positive","sentiment_score":0.4051384925842285},{"text":"Do you have any questions for me so far? Not at this stage. No. Okay. From there, I do I know you're in the car. Apologies for that.","start_word":2185,"end_word":2212,"sentiment":"neutral","sentiment_score":-0.03514488413929939},{"text":"I had a phone lag there.","start_word":2213,"end_word":2218,"sentiment":"negative","sentiment_score":-0.34495821595191956},{"text":"With the contact frequency, I was just gonna ask you, did you want me to pencil in any other catch ups before the end of the year? Do you just prefer to go through the annual review next year? What would be your preference? At this stage, still happy with the annual review.","start_word":2219,"end_word":2271,"sentiment":"neutral","sentiment_score":0.0053200372494757175},{"text":"Cool.","start_word":2272,"end_word":2272,"sentiment":"positive","sentiment_score":0.5820015072822571},{"text":"And if something pops up, are you okay just to ring in and let us know if you need anything else? Oh, yeah. If anything pops up or 7<unk> to change, I can just call through. That's no problem.","start_word":2273,"end_word":2312,"sentiment":"neutral","sentiment_score":0.13146616518497467},{"text":"Amazing. Amazing. I'll leave that pack with you there.","start_word":2313,"end_word":2321,"sentiment":"positive","sentiment_score":0.555487334728241},{"text":"Just quickly, have you ever used our new kind of purple Odoo sign, DocuSign system before? Yes. Well, I've used DocuSign. But I I don't know if it's the same as the one you've got. Mhmm. Yeah. It's very, very similar because we've got this new system that we kind of purpose built for ourselves. It works the same way as DocuSign where, basically, when you go into the email, it'll have a sign button. And when you click that purple button, it'll bring open all the documents for you to look through. And then Yep. what you can do is because there's eight of them, you can either scroll through each document, like reading the statement of advice. You can also click next document to kind of just switch across to the other one. Yep. And then there should be some kind of signing buttons which will drag you down through the signature name and date spot. And then what basically happens is it automatically stamps the signature on. But if you would like to draw it, you can just click on the signature, and it brings open a box to do a bit of a drawing as well. Yep.","start_word":2322,"end_word":2522,"sentiment":"neutral","sentiment_score":0.1056915894150734},{"text":"That's not a problem. Awesome.","start_word":2523,"end_word":2527,"sentiment":"positive","sentiment_score":0.49639350175857544},{"text":"Any questions for me before I let you go a few weekends and and to pick up your brother? Not that I can think of at the time.","start_word":2528,"end_word":2554,"sentiment":"neutral","sentiment_score":0.09229806451885789},{"text":"It's nice. Thank you very much. Awesome, Ken. I really appreciate you taking the time, and I do apologize about the meeting time mix up.","start_word":2555,"end_word":2579,"sentiment":"positive","sentiment_score":0.5730398297309875},{"text":"I'll make sure I double check that for the next one as well. No.","start_word":2580,"end_word":2593,"sentiment":"neutral","sentiment_score":0.26741135120391846},{"text":"That's all good. Not a problem. So I'll leave that pack with you. Any questions, just give us a buzz, but you have a fantastic weekend. Will do. You too. Thanks very much. Thanks, Kim. See you later.","start_word":2594,"end_word":2631,"sentiment":"positive","sentiment_score":0.5069445967674255},{"text":"Bye.","start_word":2632,"end_word":2632,"sentiment":"neutral","sentiment_score":0.28534790873527527}],"average":{"sentiment":"neutral","sentiment_score":0.09749588295343604}}}}