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When I walked out of my meeting, our systems had gone down, and I was trying to send you a text message. Was not going through. So I do apologize for being late to our meeting. Correct. Just to give you a heads up that I was coming out of this meeting and everything was off. Yeah. I would never leave it ten minutes past the date. Sorry? Thank you so much for that. I do appreciate it. I will endeavor to make sure that we've got an alternative if that happens again. Now, Lynn, I've got a few documents to kind of send out to you for your annual review. Will you be able to look onto the documents with me today, or should I just kind of walk you through what I'm sending? That's perfectly fine. I'll keep it relatively brief for you. And if you would like to then take some time when you've got a moment for the email, that'd be perfect. But I'll make sure I get through everything that we need to in an efficient time for you. Half an hour is plenty. Oh, sorry, Lynn. Do I still have you there? I'll go through the review with you, and I'll make sure it's sent out there. But the main thing I wanted to let you know is that we have included some additional documents than usual. The first one being a external third party authority for for your partner, for for Nathan. We were wondering if you would prefer for him to be able to have access to contact us to gather information on your behalf just so there's a clean communication flow for both of you. So don't send that through. Absolutely. Alright. Deleting from the pack now before I send it, and that is now gone. Thank you for letting me know. So going through a separation, I do have some information about some previous goals in terms of purchasing homes and properties and things like that. Is everything essentially on hold for you now, or do you have some ideas about where it's going to go? Just in terms of personal finances, cash flows, properties, do you know what your plan is for the next three to five years, or do you need to kind of reassess? Yep. Yep. As we always do. Yeah. So everything is pretty well up in the air, and you've had significant changes currently going on, but then more still will become, I'm assuming, later this year, possibly early next year. Okay. So in the holding pattern situation, I do need to flag with you that Nathan's still listed as one of your four beneficiaries for the superannuation alongside Jessica, Paige, and Elizabeth. Would you like me to send some documents to update that, or do you need some time to think? Okay. So leave the beneficiaries as they are. Of course. Go for it. Perfect. Perfect. So where you were leaving off was just in terms of leaving the beneficiaries alone for the time being until Yeah. You may have received individually because you do have Super SA and NetWell. But if you'd like, I can put together a pack where Michelle can put all of those together if we do have authority for Super SA. Would that be helpful? Yeah. Is that $600 in there and 66,000 worth of life and disability insurance? Would you would you like me to close that one and just send through some closing statements and things like that? Yeah. And there's no contributions currently going in. So there's no current contributions currently going in, so it must have been possibly like a straggler contribution. Oh. Yep. Life gets busy. Do you need me to resend that SGC form out? Would that be helpful for the contributions to be redirected? Do you need a, like, a fresh form there, or do you think you have it somewhere? So yeah. Each of the funds has a an SGC form that includes all the payment details and reference numbers that they would need to use through the payroll system and accounting. Though each employer also has, like, a manual form that they can give you to fill out yourself, but it's always easier just to get one straight from the fund, I find. K. So I will essentially be putting together just a bit of an updated holding plan to close the Super SA, redirect the contributions, and a couple of things I wanted to run by you just in terms of the portfolios and the insurances before I let you go. But just briefly, Lynn, in terms of the the work setup, we have just gone past end of financial year. Do you know who you ended up with for the yearly income combining all sources by any chance? So I think we had you at 37,000, which may may be a mix between permanent part time and casual. I've always got an ear to listen. Absolutely. And then you've gotta switch who's logged in. Yep. Already sorted, Well, if it would be easier for you, Lynn, do you want me to just kind of leave the financial details as they currently are that we have on file and then go through that little bit of a cleanup with the Super SA and the contributions and everything and then update it later? So in terms of, like, income, cash flow, assets, and liabilities, if they are up for fluctuating potentially, because obviously, we have an income listed on file for the childcare work. We have the the home listed on file as well, bit of cash in an offset account, some shares, cars, and so on. I was gonna possibly update those today if you knew those details. Well, that's perfect if it encapsulates the the year. Yeah. Like a year to date, if it was like a June 1, it should have a bit of a year to date figure. Yeah. 28,000 currently. Yeah. Yep. Some rough estimates would be fantastic. I had 37. Yep. Similar for the time being. In terms of, obviously, the the current situation and cash flow, do you want me to look at any kind of additional contributions, salary sacrifice to super this year, or just kind of put that on on hold for a little while? That's a brilliant question. So given the interest rates at the moment, you can earn somewhere between four to 6% just in savings, offsetting mortgages, savings rates, and so on. Once you go above that four to 6%, you can invest into anything in terms of, you know, shares, property, and gold, like growth assets, like your super does. And then you can be aiming for between ten, twelve, 14% average in this sort of high growth. So we've had a bit of a change in your portfolio that we did in March. We had so you got eight options. One of them wasn't doing too well. It got to a point where the investment committee did a sweep across all the clients and switched that option out ahead of time just to make sure we're on top of it. That new it was a Ben along Australian option. When the market started going crazy with the Iran war, it dipped further than the Australian market did, and it wasn't catching back up. They made a few mistakes. So we switched that one out with a new one, and that one's averaging at around about 12% if I look sort of medium to long term. The one Australian shares option, which was Benelon, has been switched for something called the a 200 index, which is a lower fee passive replacement for that one. Ben Long is a fund manager that specializes in Australian companies. So some of your super's in international in America, some's in gold, some's in property. These guys are like yes. But this particular fund did worse. This particular fund did worse than the Australian share market. So if the market dropped 12%, they were down, like, 18, and we made a decision that it wasn't worth waiting for them to catch back up because they didn't show any signs that they were going to. So we had to switch it out for someone who was doing in line with the market. So part of my call today is that's already been done. And my double check for you is priority wise, you've got eight years until you can access the super at 60, and the age pension is at 67. Are you still comfortable with that high growth, try and get as much returns as possible, and then when it's built, we protect it? Yeah. I needed to sort of run that by you a little bit. Well, we do do investment advice, but my main question there would be because you can access super after 60 or, like, fully after 65, is there anything that you would want to invest in personally to grow, to use before the age of 60, or is it going to be essentially building for retirement? You don't have to decide today. I just wanted to put that sort of food for thought in. Yep. Yeah. Yeah. You can have, like, the term deposits or or things like that that pay you interest. Credit funds can do that as well. And like I said, once you hit 60, your super can be converted to a pension account that can produce, like, a monthly or fortnightly income out of it as well. That's how you get the kind of tax free income is basically post 60. You convert your super to an account based pension to retire, and then everything that it earns and everything that it pays out to you is tax free when you retire. So we can we can utilize something either through Super to grow it and then retire on it and live off the interest, or you can grow it outside of Super and contribute it in towards the end. Just depends on what you're doing with, like, properties, mortgages, things like that. We have to take that into account too. Would you like me to put in so with this annual review now, I'm basically just trying to clean up the other super funds, the net wealth. If you're comfortable with high growth, I can leave that as is. Would you like me to put in a touch base either before the end of the year or early into the New Year just to see how things are going, how things have changed? K. So we'll do a bit of a hold on a few things, and I'll put in for someone to contact you in November, and we'll get you booked in before Christmas time. And then if there's any lump sums or changes to assets, I can walk you through some options. Yeah. But what I can do is we can send the three financial years plus a just a twelve month statement, which captures from today backwards. Perfect. I've included in this pack an authority to contact Super SA because it has to be refreshed, And I just wanted to give them a call so I can get a statement from them as well, if that's okay. That way, I can mix it into the plan about consolidating, but can also give you statements so it's all in one email. Now they may take, possibly, worst case scenario, a week or two weeks to accept the authority to get the information. Would it be okay that time frame to get you the full pack of statements, or is it a bit more urgent than that? Yeah. So if if we're trying to hunt down the statement from Super SA, I know it's small, but we may not be able to obtain that tomorrow kind of thing, Netwealth, we can send through straightaway. Yep. So I'll I'll still send the authority for our purposes, but I'll send you the other ones. And just quickly, Lynn, as well. So for the insurance side of things, you have the 343,000 worth of life and disability insurance through Nails, about $2.5 after the rebate coming out of the super. Given that the situation is in flux, do you wanna do you want me to make sure that I keep that policy in force as is and then review it in November, or would you like me to do some quotes and changes now? K. So we'll keep that in force. I'll pencil in to discuss that because there may be some, again, cheaper providers or need to increase or decrease amounts. So I will table that until November. And with the estate planning side of things, I know you're going through, you know, lawyers and mediation and so on. But do you guys have, like, a a will that is in place that you need to update, power of attorney that you need to update? K. I'll put in the reminders for those. Maybe that's something to do after the separation is finalized and property settlement is finalized. Perfect. Like you said, life gets in the way, and it's like, do I get it to to change the provider for this and change the direction of contributions and the wheels, and then there's schools and bills and interest rates. It's never ending. Never ending. Let me have a little look because, again, it was a bit rough. Not going to lie there. We had to catch a bit of a falling knife, take a bit of blood off of that one, and then move it. We went from pretty flat, to be honest. I'm having a look at it here. It hasn't gone down, but it also hasn't jumped up either. It's pretty well held for twelve months. You're sitting at $108,109,000 in net wealth and then the 641 in Super SA. Sorry. 108,000 and six 100 no. It's done very well for a few years. It's just it's just stalled a little bit. That's all. We will continue to set it on its merry way. Like I said, we've already fixed the portfolio up. I don't see any need to change any of the other options. Just need to wait for the world to stop blowing up for a few months, and we should be gone. To be honest, I do expect the next three to nine months to be you know how we use the word volatile before? Basically, that just means higher highs, lower lows in a shorter period of time, and then it tends to kind of settle down for another three to five. So there may be some big gains, big losses, and then see how we average out. But I will kind of update you on what's going on in November as well, and then I definitely wanna catch back up mid next year because we'll have a lot more idea then as well. K? As long as you're okay to hold on to the roller coaster for another twelve months, it'll be very good long term. When you get closer to retirement, I will start to taper off how much you've got exposed to the market, and we'll drop you from, you know, 90% growth to eighty, seventy, sixty, fifty, forty on your way to that pension account. I'll factor in the any inheritance or funds that you receive into that plan as well because if we boost up quicker, we can reduce risk faster. Alright. I will send you out this pack if you are okay to consent. One thing I will do is because you haven't finalized anything just yet, I would still like to offer you the the couple's rate discount for twelve months, 1.1% for our services. And we are also including you discounted tiered fees for next year as well. So, basically, I would like to keep your discount running for twelve months. And then in twelve months' time, you'll be on a structure that gives you discounts above 200,000 once we get you up to that point as well. So, normally, our single client fee structure is 1.65%. For couples, we offer it as 1.1. And next year, we have the tiered fee. So when you have a super balance above 200,000, the percentage drops, and then it drops again after 500,000. So I basically wanna give you yeah. We've still got it on there for the discount. I would like to run that for at least the next twelve months. Cool. Alright. The other thing too sorry. Just to let you know before you go, there is a tax file number opt in form just to make sure that you're still okay for us to hold that number. It is quite important, so we need your consent. Beautiful. Any questions? If you can, please. There's only one, two, three to sign out of the seven. The rest can be essentially skipped and for your records, you know, certificates for your insurances and service guides with Oakview Financial. So that should come through to you in the next minute or two in the interim. Yeah. So I'll do the full pack up. I'll get Michelle to put that together for you today, and you should have that in the next twenty four Awesome, Lynn. Anything else you need before I let you go? Just some lottery numbers? Yes. Yeah. We we specialize in ongoing long term care. So the one off is to set everything up. And then after that point, it's to maintain it, update it, review it, and changes your life changes. So that's why whether it's three, six, or twelve month catch ups that you need, we will adapt to you and give you further advice as you need it or incorporated into the fee. Correct. So the only thing that we do now is that if we're setting up, like, a large managed fund investment of 5,200,000, whatever it is, we do charge $750 to do the advice and set it up, and then it is incorporated alongside the super to be managed. Does that make sense? I have put in the system there as well that when we catch up next, I won't just talk about the insurances and so on as we'll touch base on how you went with the the settlement, any other funds received, and anything you would like advice wise, and we can go from there. I can give you any advice you need. Cool. Have a fantastic end of your week. And as soon as we get these documents back, I'll do the finalized update for Super SA, and we'll send you the statement straight away. In about two weeks' time, I'll just run through that updated plan with you just to get everything cleaned up, and then I've penciled in for November. Awesome, Lynn. See you later. Thanks. 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morning, Lynn. You've reached Tommy, senior adviser. How are you going this morning? Great to hear. Great to hear.\n\nI must apologize. When I walked out of my meeting, our systems had gone down, and I was trying to send you a text message. Was not going through. So I do apologize for being late to our meeting. Correct.\n\nJust to give you a heads up that I was coming out of this meeting and everything was off. Yeah. I would never leave it ten minutes past the date. Sorry? Thank you so much for that.\n\nI do appreciate it. I will endeavor to make sure that we've got an alternative if that happens again. Now, Lynn, I've got a few documents to kind of send out to you for your annual review. Will you be able to look onto the documents with me today, or should I just kind of walk you through what I'm sending? That's perfectly fine.\n\nI'll keep it relatively brief for you. And if you would like to then take some time when you've got a moment for the email, that'd be perfect. But I'll make sure I get through everything that we need to in an efficient time for you. Half an hour is plenty. Oh, sorry, Lynn.\n\nDo I still have you there? I'll go through the review with you, and I'll make sure it's sent out there. But the main thing I wanted to let you know is that we have included some additional documents than usual. The first one being a external third party authority for for your partner, for for Nathan. We were wondering if you would prefer for him to be able to have access to contact us to gather information on your behalf just so there's a clean communication flow for both of you.\n\nSo don't send that through. Absolutely. Alright. Deleting from the pack now before I send it, and that is now gone. Thank you for letting me know.\n\nSo going through a separation, I do have some information about some previous goals in terms of purchasing homes and properties and things like that. Is everything essentially on hold for you now, or do you have some ideas about where it's going to go? Just in terms of personal finances, cash flows, properties, do you know what your plan is for the next three to five years, or do you need to kind of reassess? Yep. Yep.\n\nAs we always do. Yeah. So everything is pretty well up in the air, and you've had significant changes currently going on, but then more still will become, I'm assuming, later this year, possibly early next year. Okay. So in the holding pattern situation, I do need to flag with you that Nathan's still listed as one of your four beneficiaries for the superannuation alongside Jessica, Paige, and Elizabeth.\n\nWould you like me to send some documents to update that, or do you need some time to think? Okay. So leave the beneficiaries as they are. Of course. Go for it.\n\nPerfect. Perfect. So where you were leaving off was just in terms of leaving the beneficiaries alone for the time being until Yeah. You may have received individually because you do have Super SA and NetWell. But if you'd like, I can put together a pack where Michelle can put all of those together if we do have authority for Super SA.\n\nWould that be helpful? Yeah. Is that $600 in there and 66,000 worth of life and disability insurance? Would you would you like me to close that one and just send through some closing statements and things like that? Yeah.\n\nAnd there's no contributions currently going in. So there's no current contributions currently going in, so it must have been possibly like a straggler contribution. Oh. Yep. Life gets busy.\n\nDo you need me to resend that SGC form out? Would that be helpful for the contributions to be redirected? Do you need a, like, a fresh form there, or do you think you have it somewhere? So yeah. Each of the funds has a an SGC form that includes all the payment details and reference numbers that they would need to use through the payroll system and accounting.\n\nThough each employer also has, like, a manual form that they can give you to fill out yourself, but it's always easier just to get one straight from the fund, I find. K. So I will essentially be putting together just a bit of an updated holding plan to close the Super SA, redirect the contributions, and a couple of things I wanted to run by you just in terms of the portfolios and the insurances before I let you go. But just briefly, Lynn, in terms of the the work setup, we have just gone past end of financial year. Do you know who you ended up with for the yearly income combining all sources by any chance?\n\nSo I think we had you at 37,000, which may may be a mix between permanent part time and casual. I've always got an ear to listen. Absolutely. And then you've gotta switch who's logged in. Yep.\n\nAlready sorted, Well, if it would be easier for you, Lynn, do you want me to just kind of leave the financial details as they currently are that we have on file and then go through that little bit of a cleanup with the Super SA and the contributions and everything and then update it later? So in terms of, like, income, cash flow, assets, and liabilities, if they are up for fluctuating potentially, because obviously, we have an income listed on file for the childcare work. We have the the home listed on file as well, bit of cash in an offset account, some shares, cars, and so on. I was gonna possibly update those today if you knew those details. Well, that's perfect if it encapsulates the the year.\n\nYeah. Like a year to date, if it was like a June 1, it should have a bit of a year to date figure. Yeah. 28,000 currently. Yeah.\n\nYep. Some rough estimates would be fantastic. I had 37. Yep. Similar for the time being.\n\nIn terms of, obviously, the the current situation and cash flow, do you want me to look at any kind of additional contributions, salary sacrifice to super this year, or just kind of put that on on hold for a little while? That's a brilliant question. So given the interest rates at the moment, you can earn somewhere between four to 6% just in savings, offsetting mortgages, savings rates, and so on. Once you go above that four to 6%, you can invest into anything in terms of, you know, shares, property, and gold, like growth assets, like your super does. And then you can be aiming for between ten, twelve, 14% average in this sort of high growth.\n\nSo we've had a bit of a change in your portfolio that we did in March. We had so you got eight options. One of them wasn't doing too well. It got to a point where the investment committee did a sweep across all the clients and switched that option out ahead of time just to make sure we're on top of it. That new it was a Ben along Australian option.\n\nWhen the market started going crazy with the Iran war, it dipped further than the Australian market did, and it wasn't catching back up. They made a few mistakes. So we switched that one out with a new one, and that one's averaging at around about 12% if I look sort of medium to long term. The one Australian shares option, which was Benelon, has been switched for something called the a 200 index, which is a lower fee passive replacement for that one. Ben Long is a fund manager that specializes in Australian companies.\n\nSo some of your super's in international in America, some's in gold, some's in property. These guys are like yes. But this particular fund did worse. This particular fund did worse than the Australian share market. So if the market dropped 12%, they were down, like, 18, and we made a decision that it wasn't worth waiting for them to catch back up because they didn't show any signs that they were going to.\n\nSo we had to switch it out for someone who was doing in line with the market. So part of my call today is that's already been done. And my double check for you is priority wise, you've got eight years until you can access the super at 60, and the age pension is at 67. Are you still comfortable with that high growth, try and get as much returns as possible, and then when it's built, we protect it? Yeah.\n\nI needed to sort of run that by you a little bit. Well, we do do investment advice, but my main question there would be because you can access super after 60 or, like, fully after 65, is there anything that you would want to invest in personally to grow, to use before the age of 60, or is it going to be essentially building for retirement? You don't have to decide today. I just wanted to put that sort of food for thought in. Yep.\n\nYeah. Yeah. You can have, like, the term deposits or or things like that that pay you interest. Credit funds can do that as well. And like I said, once you hit 60, your super can be converted to a pension account that can produce, like, a monthly or fortnightly income out of it as well.\n\nThat's how you get the kind of tax free income is basically post 60. You convert your super to an account based pension to retire, and then everything that it earns and everything that it pays out to you is tax free when you retire. So we can we can utilize something either through Super to grow it and then retire on it and live off the interest, or you can grow it outside of Super and contribute it in towards the end. Just depends on what you're doing with, like, properties, mortgages, things like that. We have to take that into account too.\n\nWould you like me to put in so with this annual review now, I'm basically just trying to clean up the other super funds, the net wealth. If you're comfortable with high growth, I can leave that as is. Would you like me to put in a touch base either before the end of the year or early into the New Year just to see how things are going, how things have changed? K. So we'll do a bit of a hold on a few things, and I'll put in for someone to contact you in November, and we'll get you booked in before Christmas time.\n\nAnd then if there's any lump sums or changes to assets, I can walk you through some options. Yeah. But what I can do is we can send the three financial years plus a just a twelve month statement, which captures from today backwards. Perfect. I've included in this pack an authority to contact Super SA because it has to be refreshed, And I just wanted to give them a call so I can get a statement from them as well, if that's okay.\n\nThat way, I can mix it into the plan about consolidating, but can also give you statements so it's all in one email. Now they may take, possibly, worst case scenario, a week or two weeks to accept the authority to get the information. Would it be okay that time frame to get you the full pack of statements, or is it a bit more urgent than that? Yeah. So if if we're trying to hunt down the statement from Super SA, I know it's small, but we may not be able to obtain that tomorrow kind of thing, Netwealth, we can send through straightaway.\n\nYep. So I'll I'll still send the authority for our purposes, but I'll send you the other ones. And just quickly, Lynn, as well. So for the insurance side of things, you have the 343,000 worth of life and disability insurance through Nails, about $2.5 after the rebate coming out of the super. Given that the situation is in flux, do you wanna do you want me to make sure that I keep that policy in force as is and then review it in November, or would you like me to do some quotes and changes now?\n\nK. So we'll keep that in force. I'll pencil in to discuss that because there may be some, again, cheaper providers or need to increase or decrease amounts. So I will table that until November. And with the estate planning side of things, I know you're going through, you know, lawyers and mediation and so on.\n\nBut do you guys have, like, a a will that is in place that you need to update, power of attorney that you need to update? K. I'll put in the reminders for those. Maybe that's something to do after the separation is finalized and property settlement is finalized. Perfect.\n\nLike you said, life gets in the way, and it's like, do I get it to to change the provider for this and change the direction of contributions and the wheels, and then there's schools and bills and interest rates. It's never ending. Never ending. Let me have a little look because, again, it was a bit rough. Not going to lie there.\n\nWe had to catch a bit of a falling knife, take a bit of blood off of that one, and then move it. We went from pretty flat, to be honest. I'm having a look at it here. It hasn't gone down, but it also hasn't jumped up either. It's pretty well held for twelve months.\n\nYou're sitting at $108,109,000 in net wealth and then the 641 in Super SA. Sorry. 108,000 and six 100 no. It's done very well for a few years. It's just it's just stalled a little bit.\n\nThat's all. We will continue to set it on its merry way. Like I said, we've already fixed the portfolio up. I don't see any need to change any of the other options. Just need to wait for the world to stop blowing up for a few months, and we should be gone.\n\nTo be honest, I do expect the next three to nine months to be you know how we use the word volatile before? Basically, that just means higher highs, lower lows in a shorter period of time, and then it tends to kind of settle down for another three to five. So there may be some big gains, big losses, and then see how we average out. But I will kind of update you on what's going on in November as well, and then I definitely wanna catch back up mid next year because we'll have a lot more idea then as well. K?\n\nAs long as you're okay to hold on to the roller coaster for another twelve months, it'll be very good long term. When you get closer to retirement, I will start to taper off how much you've got exposed to the market, and we'll drop you from, you know, 90% growth to eighty, seventy, sixty, fifty, forty on your way to that pension account. I'll factor in the any inheritance or funds that you receive into that plan as well because if we boost up quicker, we can reduce risk faster. Alright. I will send you out this pack if you are okay to consent.\n\nOne thing I will do is because you haven't finalized anything just yet, I would still like to offer you the the couple's rate discount for twelve months, 1.1% for our services. And we are also including you discounted tiered fees for next year as well. So, basically, I would like to keep your discount running for twelve months. And then in twelve months' time, you'll be on a structure that gives you discounts above 200,000 once we get you up to that point as well. So, normally, our single client fee structure is 1.65%.\n\nFor couples, we offer it as 1.1. And next year, we have the tiered fee. So when you have a super balance above 200,000, the percentage drops, and then it drops again after 500,000. So I basically wanna give you yeah. We've still got it on there for the discount.\n\nI would like to run that for at least the next twelve months. Cool. Alright. The other thing too sorry. Just to let you know before you go, there is a tax file number opt in form just to make sure that you're still okay for us to hold that number.\n\nIt is quite important, so we need your consent. Beautiful. Any questions? If you can, please. There's only one, two, three to sign out of the seven.\n\nThe rest can be essentially skipped and for your records, you know, certificates for your insurances and service guides with Oakview Financial. So that should come through to you in the next minute or two in the interim. Yeah. So I'll do the full pack up. I'll get Michelle to put that together for you today, and you should have that in the next twenty four Awesome, Lynn.\n\nAnything else you need before I let you go? Just some lottery numbers? Yes. Yeah. We we specialize in ongoing long term care.\n\nSo the one off is to set everything up. And then after that point, it's to maintain it, update it, review it, and changes your life changes. So that's why whether it's three, six, or twelve month catch ups that you need, we will adapt to you and give you further advice as you need it or incorporated into the fee. Correct. So the only thing that we do now is that if we're setting up, like, a large managed fund investment of 5,200,000, whatever it is, we do charge $750 to do the advice and set it up, and then it is incorporated alongside the super to be managed.\n\nDoes that make sense? I have put in the system there as well that when we catch up next, I won't just talk about the insurances and so on as we'll touch base on how you went with the the settlement, any other funds received, and anything you would like advice wise, and we can go from there. I can give you any advice you need. Cool. Have a fantastic end of your week.\n\nAnd as soon as we get these documents back, I'll do the finalized update for Super SA, and we'll send you the statement straight away. In about two weeks' time, I'll just run through that updated plan with you just to get everything cleaned up, and then I've penciled in for November. Awesome, Lynn. See you later. Thanks.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good morning, Lynn.","start":1.68,"end":2.56,"sentiment":"positive","sentiment_score":0.4195786416530609},{"text":"You've reached Tommy, senior adviser.","start":2.56,"end":4.24,"sentiment":"positive","sentiment_score":0.39331298470497134},{"text":"How are you going this morning?","start":4.24,"end":5.38,"sentiment":"positive","sentiment_score":0.37646179894606274},{"text":"Great to hear.","start":7.52,"end":8.16,"sentiment":"positive","sentiment_score":0.6640723546346029},{"text":"Great to hear.","start":8.16,"end":8.96,"sentiment":"positive","sentiment_score":0.528069535891215}],"sentiment":"positive","sentiment_score":0.4530248656868935,"num_words":20,"start":1.68,"end":8.96},{"sentences":[{"text":"I must apologize.","start":9.28,"end":10.5,"sentiment":"neutral","sentiment_score":-0.14081907520691553},{"text":"When I walked out of my meeting, our systems had gone down, and I was trying to send you a text message.","start":10.88,"end":17.664999,"sentiment":"neutral","sentiment_score":-0.29192835837602615},{"text":"Was not going through.","start":18.525,"end":19.564999,"sentiment":"negative","sentiment_score":-0.3433672860264778},{"text":"So I do apologize for being late to our meeting.","start":19.564999,"end":21.904999,"sentiment":"negative","sentiment_score":-0.35624920576810837},{"text":"Correct.","start":28.08,"end":28.4,"sentiment":"neutral","sentiment_score":-0.05493432283401489}],"sentiment":"neutral","sentiment_score":-0.2958944158628583,"num_words":40,"start":9.28,"end":28.4},{"sentences":[{"text":"Just to give you a heads up that I was coming out of this meeting and everything was off.","start":28.4,"end":34.26,"sentiment":"neutral","sentiment_score":-0.1808326299253263},{"text":"Yeah.","start":36.4,"end":36.64,"sentiment":"neutral","sentiment_score":0.006400976330041885},{"text":"I would never leave it ten minutes past the date.","start":36.64,"end":40.785,"sentiment":"neutral","sentiment_score":-0.11529620736837387},{"text":"Sorry?","start":43.245003,"end":43.645,"sentiment":"neutral","sentiment_score":-0.1146300658583641},{"text":"Thank you so much for that.","start":43.645,"end":44.765,"sentiment":"positive","sentiment_score":0.5138237227996191}],"sentiment":"neutral","sentiment_score":-0.04362348094582558,"num_words":37,"start":28.4,"end":44.765},{"sentences":[{"text":"I do appreciate it.","start":44.765,"end":46.065002,"sentiment":"positive","sentiment_score":0.6373570114374161},{"text":"I will endeavor to make sure that we've got an alternative if that happens again.","start":46.605,"end":50.065002,"sentiment":"neutral","sentiment_score":0.11166439602772395},{"text":"Now, Lynn, I've got a few documents to kind of send out to you for your annual review.","start":52.7,"end":58.54,"sentiment":"neutral","sentiment_score":0.13756335029999414},{"text":"Will you be able to look onto the documents with me today, or should I just kind of walk you through what I'm sending?","start":58.54,"end":64.0,"sentiment":"neutral","sentiment_score":0.09784123829255502},{"text":"That's perfectly fine.","start":74.595,"end":75.955,"sentiment":"neutral","sentiment_score":0.20814621448516846}],"sentiment":"neutral","sentiment_score":0.15114316646941006,"num_words":64,"start":44.765,"end":75.955},{"sentences":[{"text":"I'll keep it relatively brief for you.","start":75.955,"end":78.15,"sentiment":"neutral","sentiment_score":0.21260423958301544},{"text":"And if you would like to then take some time when you've got a moment for the email, that'd be perfect.","start":78.39,"end":84.71,"sentiment":"neutral","sentiment_score":0.17676181913841338},{"text":"But I'll make sure I get through everything that we need to in an efficient time for you.","start":84.71,"end":90.73,"sentiment":"neutral","sentiment_score":0.2464903990427653},{"text":"Half an hour is plenty.","start":91.03,"end":96.445,"sentiment":"neutral","sentiment_score":0.14446294009685517},{"text":"Oh, sorry, Lynn.","start":96.445,"end":97.085,"sentiment":"neutral","sentiment_score":0.03168850516279539}],"sentiment":"neutral","sentiment_score":0.1936006532913005,"num_words":54,"start":75.955,"end":97.085},{"sentences":[{"text":"Do I still have you there?","start":97.085,"end":98.30499,"sentiment":"neutral","sentiment_score":-0.011065292172133923},{"text":"I'll go through the review with you, and I'll make sure it's sent out there.","start":104.659996,"end":107.96,"sentiment":"neutral","sentiment_score":0.11754485716422398},{"text":"But the main thing I wanted to let you know is that we have included some additional documents than usual.","start":108.02,"end":113.71999,"sentiment":"neutral","sentiment_score":0.18238316774368285},{"text":"The first one being a external third party authority for for your partner, for for Nathan.","start":115.14,"end":121.855,"sentiment":"neutral","sentiment_score":0.057413276022998616},{"text":"We were wondering if you would prefer for him to be able to have access to contact us to gather information on your behalf just so there's a clean communication flow for both of you.","start":122.315,"end":134.95,"sentiment":"neutral","sentiment_score":0.11631386849497045}],"sentiment":"neutral","sentiment_score":0.11232654644561041,"num_words":92,"start":97.085,"end":134.95},{"sentences":[{"text":"So don't send that through.","start":143.01,"end":144.60999,"sentiment":"neutral","sentiment_score":-0.298472535610199},{"text":"Absolutely.","start":144.60999,"end":145.10999,"sentiment":"neutral","sentiment_score":-0.16184093058109283},{"text":"Alright.","start":147.255,"end":147.735,"sentiment":"neutral","sentiment_score":-0.11642094701528548},{"text":"Deleting from the pack now before I send it, and that is now gone.","start":147.735,"end":152.535,"sentiment":"neutral","sentiment_score":-0.190043461642095},{"text":"Thank you for letting me know.","start":152.535,"end":153.57501,"sentiment":"positive","sentiment_score":0.5062955419222513}],"sentiment":"neutral","sentiment_score":-0.05160962100382204,"num_words":27,"start":143.01,"end":153.57501},{"sentences":[{"text":"So going through a separation, I do have some information about some previous goals in terms of purchasing homes and properties and things like that.","start":153.57501,"end":163.56,"sentiment":"neutral","sentiment_score":0.03516295850276947},{"text":"Is everything essentially on hold for you now, or do you have some ideas about where it's going to go?","start":163.78,"end":169.4,"sentiment":"neutral","sentiment_score":-0.07814383246004582},{"text":"Just in terms of personal finances, cash flows, properties, do you know what your plan is for the next three to five years, or do you need to kind of reassess?","start":171.7,"end":180.205,"sentiment":"neutral","sentiment_score":-0.03344227523813324},{"text":"Yep.","start":188.50499,"end":188.94,"sentiment":"neutral","sentiment_score":-0.06679630279541016},{"text":"Yep.","start":194.94,"end":195.44,"sentiment":"neutral","sentiment_score":-0.13485340774059296}],"sentiment":"neutral","sentiment_score":-0.024643114481407862,"num_words":78,"start":153.57501,"end":195.44},{"sentences":[{"text":"As we always do.","start":196.38,"end":197.6,"sentiment":"neutral","sentiment_score":-0.02728063939139247},{"text":"Yeah.","start":224.81,"end":225.075,"sentiment":"neutral","sentiment_score":-0.05041678994894028},{"text":"So everything is pretty well up in the air, and you've had significant changes currently going on, but then more still will become, I'm assuming, later this year, possibly early next year.","start":230.995,"end":242.75,"sentiment":"neutral","sentiment_score":-0.06517574738245457},{"text":"Okay.","start":242.75,"end":243.25,"sentiment":"neutral","sentiment_score":0.001294851303100586},{"text":"So in the holding pattern situation, I do need to flag with you that Nathan's still listed as one of your four beneficiaries for the superannuation alongside Jessica, Paige, and Elizabeth.","start":243.31,"end":255.57,"sentiment":"neutral","sentiment_score":0.018350527351421696}],"sentiment":"neutral","sentiment_score":-0.024275392239940338,"num_words":69,"start":196.38,"end":255.57},{"sentences":[{"text":"Would you like me to send some documents to update that, or do you need some time to think?","start":256.155,"end":260.57498,"sentiment":"neutral","sentiment_score":-0.0012726317110814545},{"text":"Okay.","start":271.93,"end":272.41,"sentiment":"neutral","sentiment_score":0.006320200860500336},{"text":"So leave the beneficiaries as they are.","start":272.41,"end":274.59,"sentiment":"neutral","sentiment_score":-0.11018009803124837},{"text":"Of course.","start":287.225,"end":287.70502,"sentiment":"neutral","sentiment_score":0.0788597110658884},{"text":"Go for it.","start":287.70502,"end":288.52502,"sentiment":"neutral","sentiment_score":0.13604141275087991}],"sentiment":"neutral","sentiment_score":-0.00697740085888654,"num_words":32,"start":256.155,"end":288.52502},{"sentences":[{"text":"Perfect.","start":307.48,"end":307.8,"sentiment":"positive","sentiment_score":0.6376994848251343},{"text":"Perfect.","start":307.8,"end":308.2,"sentiment":"positive","sentiment_score":0.5940306186676025},{"text":"So where you were leaving off was just in terms of leaving the beneficiaries alone for the time being until Yeah.","start":308.2,"end":334.84998,"sentiment":"neutral","sentiment_score":0.12062758757244973},{"text":"You may have received individually because you do have Super SA and NetWell.","start":341.965,"end":347.905,"sentiment":"neutral","sentiment_score":0.0096470951460875},{"text":"But if you'd like, I can put together a pack where Michelle can put all of those together if we do have authority for Super SA.","start":348.33,"end":356.11,"sentiment":"neutral","sentiment_score":0.04789557644667534}],"sentiment":"neutral","sentiment_score":0.0828323655972077,"num_words":62,"start":307.48,"end":356.11},{"sentences":[{"text":"Would that be helpful?","start":356.72998,"end":357.79,"sentiment":"neutral","sentiment_score":0.11326861754059792},{"text":"Yeah.","start":362.81,"end":363.31,"sentiment":"neutral","sentiment_score":-0.11521949619054794},{"text":"Is that $600 in there and 66,000 worth of life and disability insurance?","start":363.965,"end":368.545,"sentiment":"neutral","sentiment_score":-0.11362100048707081},{"text":"Would you would you like me to close that one and just send through some closing statements and things like that?","start":368.605,"end":374.705,"sentiment":"neutral","sentiment_score":-0.1584761884240877},{"text":"Yeah.","start":381.34003,"end":381.84003,"sentiment":"neutral","sentiment_score":-0.03462903946638107}],"sentiment":"neutral","sentiment_score":-0.1125461757183075,"num_words":40,"start":356.72998,"end":381.84003},{"sentences":[{"text":"And there's no contributions currently going in.","start":382.30002,"end":384.86002,"sentiment":"neutral","sentiment_score":-0.08151240008217948},{"text":"So there's no current contributions currently going in, so it must have been possibly like a straggler contribution.","start":384.86002,"end":392.375,"sentiment":"neutral","sentiment_score":-0.20465993301735985},{"text":"Oh.","start":400.595,"end":401.095,"sentiment":"neutral","sentiment_score":-0.017264319583773613},{"text":"Yep.","start":401.63498,"end":402.13498,"sentiment":"neutral","sentiment_score":-0.06509404629468918},{"text":"Life gets busy.","start":429.3,"end":430.44,"sentiment":"neutral","sentiment_score":-0.10395601640144984}],"sentiment":"neutral","sentiment_score":-0.15495640033235153,"num_words":30,"start":382.30002,"end":430.44},{"sentences":[{"text":"Do you need me to resend that SGC form out?","start":431.13998,"end":434.12,"sentiment":"neutral","sentiment_score":-0.023153701983392238},{"text":"Would that be helpful for the contributions to be redirected?","start":434.18,"end":440.34,"sentiment":"neutral","sentiment_score":0.025372757483273743},{"text":"Do you need a, like, a fresh form there, or do you think you have it somewhere?","start":440.34,"end":443.385,"sentiment":"neutral","sentiment_score":-0.010315685423419756},{"text":"So yeah.","start":455.545,"end":461.41998,"sentiment":"neutral","sentiment_score":-0.029114683158695698},{"text":"Each of the funds has a an SGC form that includes all the payment details and reference numbers that they would need to use through the payroll system and accounting.","start":461.41998,"end":469.75998,"sentiment":"neutral","sentiment_score":-0.004499613431592783}],"sentiment":"neutral","sentiment_score":-0.00502020096325356,"num_words":69,"start":431.13998,"end":469.75998},{"sentences":[{"text":"Though each employer also has, like, a manual form that they can give you to fill out yourself, but it's always easier just to get one straight from the fund, I find.","start":471.155,"end":480.055,"sentiment":"neutral","sentiment_score":0.010489104955922812},{"text":"K.","start":484.515,"end":484.98,"sentiment":"neutral","sentiment_score":0.21595290303230288},{"text":"So I will essentially be putting together just a bit of an updated holding plan to close the Super SA, redirect the contributions, and a couple of things I wanted to run by you just in terms of the portfolios and the insurances before I let you go.","start":485.22,"end":500.955,"sentiment":"neutral","sentiment_score":0.15407179792722067},{"text":"But just briefly, Lynn, in terms of the the work setup, we have just gone past end of financial year.","start":501.275,"end":509.615,"sentiment":"neutral","sentiment_score":0.021497233398258687},{"text":"Do you know who you ended up with for the yearly income combining all sources by any chance?","start":509.835,"end":514.62,"sentiment":"neutral","sentiment_score":0.015297397453751829}],"sentiment":"neutral","sentiment_score":0.07270880995177421,"num_words":119,"start":471.155,"end":514.62},{"sentences":[{"text":"So I think we had you at 37,000, which may may be a mix between permanent part time and casual.","start":519.33997,"end":525.04,"sentiment":"neutral","sentiment_score":-0.06571355499327183},{"text":"I've always got an ear to listen.","start":553.595,"end":555.995,"sentiment":"neutral","sentiment_score":0.13741298871380941},{"text":"Absolutely.","start":555.995,"end":556.495,"sentiment":"positive","sentiment_score":0.3821786940097809},{"text":"And then you've gotta switch who's logged in.","start":570.89,"end":573.21,"sentiment":"neutral","sentiment_score":-0.03719200659543276},{"text":"Yep.","start":573.21,"end":573.71,"sentiment":"neutral","sentiment_score":-0.050391118973493576}],"sentiment":"neutral","sentiment_score":-0.008598071799890415,"num_words":37,"start":519.33997,"end":573.71},{"sentences":[{"text":"Already sorted, Well, if it would be easier for you, Lynn, do you want me to just kind of leave the financial details as they currently are that we have on file and then go through that little bit of a cleanup with the Super SA and the contributions and everything and then update it later?","start":636.085,"end":661.885,"sentiment":"neutral","sentiment_score":0.00404364086820611},{"text":"So in terms of, like, income, cash flow, assets, and liabilities, if they are up for fluctuating potentially, because obviously, we have an income listed on file for the childcare work.","start":664.56,"end":677.94,"sentiment":"neutral","sentiment_score":-0.01791729498654604},{"text":"We have the the home listed on file as well, bit of cash in an offset account, some shares, cars, and so on.","start":678.195,"end":686.455,"sentiment":"neutral","sentiment_score":0.004660116751556811},{"text":"I was gonna possibly update those today if you knew those details.","start":686.995,"end":690.615,"sentiment":"neutral","sentiment_score":0.0005135376316805683},{"text":"Well, that's perfect if it encapsulates the the year.","start":715.725,"end":718.98,"sentiment":"neutral","sentiment_score":0.17043516909082732}],"sentiment":"neutral","sentiment_score":0.010063125211603314,"num_words":131,"start":636.085,"end":718.98},{"sentences":[{"text":"Yeah.","start":722.5,"end":722.82,"sentiment":"neutral","sentiment_score":0.04363225027918816},{"text":"Like a year to date, if it was like a June 1, it should have a bit of a year to date figure.","start":722.82,"end":727.72,"sentiment":"neutral","sentiment_score":0.02046840103424114},{"text":"Yeah.","start":746.95496,"end":747.3,"sentiment":"neutral","sentiment_score":-0.004235765431076288},{"text":"28,000 currently.","start":750.01996,"end":751.56,"sentiment":"neutral","sentiment_score":-0.005050534848123789},{"text":"Yeah.","start":775.41003,"end":775.73004,"sentiment":"neutral","sentiment_score":0.02649836614727974}],"sentiment":"neutral","sentiment_score":0.01880596446738179,"num_words":28,"start":722.5,"end":775.73004},{"sentences":[{"text":"Yep.","start":775.73004,"end":776.13,"sentiment":"neutral","sentiment_score":0.026341840624809265},{"text":"Some rough estimates would be fantastic.","start":776.13,"end":778.71,"sentiment":"neutral","sentiment_score":0.2563244303067525},{"text":"I had 37.","start":781.89,"end":783.03,"sentiment":"neutral","sentiment_score":-0.003214034717530012},{"text":"Yep.","start":790.46497,"end":790.865,"sentiment":"neutral","sentiment_score":0.15109413862228394},{"text":"Similar for the time being.","start":790.865,"end":792.40497,"sentiment":"neutral","sentiment_score":0.15006946623325348}],"sentiment":"neutral","sentiment_score":0.15350548675633036,"num_words":16,"start":775.73004,"end":792.40497},{"sentences":[{"text":"In terms of, obviously, the the current situation and cash flow, do you want me to look at any kind of additional contributions, salary sacrifice to super this year, or just kind of put that on on hold for a little while?","start":795.185,"end":808.14996,"sentiment":"neutral","sentiment_score":-0.02128366589368809},{"text":"That's a brilliant question.","start":827.92,"end":829.28,"sentiment":"positive","sentiment_score":0.6440470963716507},{"text":"So given the interest rates at the moment, you can earn somewhere between four to 6% just in savings, offsetting mortgages, savings rates, and so on.","start":829.28,"end":840.825,"sentiment":"neutral","sentiment_score":0.23681141493412164},{"text":"Once you go above that four to 6%, you can invest into anything in terms of, you know, shares, property, and gold, like growth assets, like your super does.","start":841.525,"end":850.66504,"sentiment":"neutral","sentiment_score":0.3226208856393551},{"text":"And then you can be aiming for between ten, twelve, 14% average in this sort of high growth.","start":850.965,"end":858.71,"sentiment":"neutral","sentiment_score":0.08942240766353077}],"sentiment":"neutral","sentiment_score":0.15802504393045141,"num_words":119,"start":795.185,"end":858.71},{"sentences":[{"text":"So we've had a bit of a change in your portfolio that we did in March.","start":863.09,"end":866.955,"sentiment":"neutral","sentiment_score":-0.045365783269517124},{"text":"We had so you got eight options.","start":867.435,"end":869.455,"sentiment":"neutral","sentiment_score":-0.033151421163763316},{"text":"One of them wasn't doing too well.","start":869.515,"end":871.195,"sentiment":"neutral","sentiment_score":-0.1791557116167886},{"text":"It got to a point where the investment committee did a sweep across all the clients and switched that option out ahead of time just to make sure we're on top of it.","start":871.195,"end":879.21,"sentiment":"neutral","sentiment_score":-0.04185615615411238},{"text":"That new it was a Ben along Australian option.","start":879.53,"end":883.39,"sentiment":"neutral","sentiment_score":-0.03445674023694462}],"sentiment":"neutral","sentiment_score":-0.05421342051381038,"num_words":72,"start":863.09,"end":883.39},{"sentences":[{"text":"When the market started going crazy with the Iran war, it dipped further than the Australian market did, and it wasn't catching back up.","start":883.77,"end":891.13,"sentiment":"neutral","sentiment_score":-0.16403431072831154},{"text":"They made a few mistakes.","start":891.13,"end":892.43,"sentiment":"neutral","sentiment_score":-0.17846405804157256},{"text":"So we switched that one out with a new one, and that one's averaging at around about 12% if I look sort of medium to long term.","start":893.455,"end":903.315,"sentiment":"neutral","sentiment_score":-0.035995374640656844},{"text":"The one Australian shares option, which was Benelon, has been switched for something called the a 200 index, which is a lower fee passive replacement for that one.","start":905.88,"end":917.415,"sentiment":"neutral","sentiment_score":0.016368795967926935},{"text":"Ben Long is a fund manager that specializes in Australian companies.","start":924.375,"end":928.795,"sentiment":"neutral","sentiment_score":0.031177772547711025}],"sentiment":"neutral","sentiment_score":-0.05262881134587683,"num_words":95,"start":883.77,"end":928.795},{"sentences":[{"text":"So some of your super's in international in America, some's in gold, some's in property.","start":929.33496,"end":934.72003,"sentiment":"neutral","sentiment_score":0.030706554651260376},{"text":"These guys are like yes.","start":934.94,"end":940.14,"sentiment":"neutral","sentiment_score":-0.22217563092708587},{"text":"But this particular fund did worse.","start":940.14,"end":942.525,"sentiment":"negative","sentiment_score":-0.5328178654114405},{"text":"This particular fund did worse than the Australian share market.","start":944.445,"end":947.825,"sentiment":"negative","sentiment_score":-0.5110597908496857},{"text":"So if the market dropped 12%, they were down, like, 18, and we made a decision that it wasn't worth waiting for them to catch back up because they didn't show any signs that they were going to.","start":948.60504,"end":961.32,"sentiment":"negative","sentiment_score":-0.503203215959825}],"sentiment":"negative","sentiment_score":-0.3794527992203429,"num_words":74,"start":929.33496,"end":961.32},{"sentences":[{"text":"So we had to switch it out for someone who was doing in line with the market.","start":961.38,"end":964.92,"sentiment":"neutral","sentiment_score":-0.26199325919151306},{"text":"So part of my call today is that's already been done.","start":966.58,"end":969.72003,"sentiment":"neutral","sentiment_score":0.12920797379179436},{"text":"And my double check for you is priority wise, you've got eight years until you can access the super at 60, and the age pension is at 67.","start":969.94,"end":978.825,"sentiment":"neutral","sentiment_score":0.14155212124543531},{"text":"Are you still comfortable with that high growth, try and get as much returns as possible, and then when it's built, we protect it?","start":979.125,"end":986.13,"sentiment":"neutral","sentiment_score":0.2071573194116354},{"text":"Yeah.","start":992.05,"end":992.37,"sentiment":"neutral","sentiment_score":-0.23774471879005432}],"sentiment":"neutral","sentiment_score":0.06993694626438765,"num_words":81,"start":961.38,"end":992.37},{"sentences":[{"text":"I needed to sort of run that by you a little bit.","start":992.37,"end":995.11,"sentiment":"neutral","sentiment_score":-0.21478387589255968},{"text":"Well, we do do investment advice, but my main question there would be because you can access super after 60 or, like, fully after 65, is there anything that you would want to invest in personally to grow, to use before the age of 60, or is it going to be essentially building for retirement?","start":1017.04,"end":1038.16,"sentiment":"neutral","sentiment_score":0.012877721339464188},{"text":"You don't have to decide today.","start":1042.54,"end":1043.8201,"sentiment":"neutral","sentiment_score":-0.2118398112555345},{"text":"I just wanted to put that sort of food for thought in.","start":1043.8201,"end":1046.48,"sentiment":"neutral","sentiment_score":-0.06699083559215069},{"text":"Yep.","start":1056.0751,"end":1056.5751,"sentiment":"neutral","sentiment_score":0.15023690462112427}],"sentiment":"neutral","sentiment_score":-0.04411423054718694,"num_words":86,"start":992.37,"end":1056.5751},{"sentences":[{"text":"Yeah.","start":1061.515,"end":1061.91,"sentiment":"neutral","sentiment_score":0.16213542222976685},{"text":"Yeah.","start":1069.03,"end":1069.51,"sentiment":"neutral","sentiment_score":0.2528659403324127},{"text":"You can have, like, the term deposits or or things like that that pay you interest.","start":1069.51,"end":1073.77,"sentiment":"neutral","sentiment_score":0.2465086719021201},{"text":"Credit funds can do that as well.","start":1074.63,"end":1076.65,"sentiment":"positive","sentiment_score":0.36598661967686247},{"text":"And like I said, once you hit 60, your super can be converted to a pension account that can produce, like, a monthly or fortnightly income out of it as well.","start":1077.005,"end":1085.9851,"sentiment":"neutral","sentiment_score":0.30859262664471904}],"sentiment":"neutral","sentiment_score":0.29441817637000767,"num_words":56,"start":1061.515,"end":1085.9851},{"sentences":[{"text":"That's how you get the kind of tax free income is basically post 60.","start":1088.6051,"end":1093.18,"sentiment":"neutral","sentiment_score":0.28708045929670334},{"text":"You convert your super to an account based pension to retire, and then everything that it earns and everything that it pays out to you is tax free when you retire.","start":1093.3201,"end":1101.9,"sentiment":"positive","sentiment_score":0.3526139610236691},{"text":"So we can we can utilize something either through Super to grow it and then retire on it and live off the interest, or you can grow it outside of Super and contribute it in towards the end.","start":1105.16,"end":1118.01,"sentiment":"neutral","sentiment_score":0.2361089512705803},{"text":"Just depends on what you're doing with, like, properties, mortgages, things like that.","start":1118.09,"end":1121.93,"sentiment":"neutral","sentiment_score":0.1303348420904233},{"text":"We have to take that into account too.","start":1121.93,"end":1123.79,"sentiment":"neutral","sentiment_score":0.1638268046081066}],"sentiment":"neutral","sentiment_score":0.25891602648278844,"num_words":104,"start":1088.6051,"end":1123.79},{"sentences":[{"text":"Would you like me to put in so with this annual review now, I'm basically just trying to clean up the other super funds, the net wealth.","start":1131.815,"end":1138.215,"sentiment":"neutral","sentiment_score":0.001604991516581288},{"text":"If you're comfortable with high growth, I can leave that as is.","start":1138.215,"end":1140.955,"sentiment":"neutral","sentiment_score":0.0748598196854194},{"text":"Would you like me to put in a touch base either before the end of the year or early into the New Year just to see how things are going, how things have changed?","start":1141.575,"end":1149.24,"sentiment":"neutral","sentiment_score":0.19408495943335927},{"text":"K.","start":1158.26,"end":1158.585,"sentiment":"neutral","sentiment_score":0.07808175683021545},{"text":"So we'll do a bit of a hold on a few things, and I'll put in for someone to contact you in November, and we'll get you booked in before Christmas time.","start":1158.825,"end":1168.445,"sentiment":"neutral","sentiment_score":0.13251442275941372}],"sentiment":"neutral","sentiment_score":0.1118781557833811,"num_words":106,"start":1131.815,"end":1168.445},{"sentences":[{"text":"And then if there's any lump sums or changes to assets, I can walk you through some options.","start":1168.505,"end":1172.49,"sentiment":"neutral","sentiment_score":0.02358103734958503},{"text":"Yeah.","start":1194.265,"end":1194.665,"sentiment":"neutral","sentiment_score":0.0282273069024086},{"text":"But what I can do is we can send the three financial years plus a just a twelve month statement, which captures from today backwards.","start":1194.665,"end":1201.8099,"sentiment":"neutral","sentiment_score":0.04329716920852661},{"text":"Perfect.","start":1206.91,"end":1207.41,"sentiment":"positive","sentiment_score":0.5774396061897278},{"text":"I've included in this pack an authority to contact Super SA because it has to be refreshed, And I just wanted to give them a call so I can get a statement from them as well, if that's okay.","start":1207.71,"end":1218.4249,"sentiment":"neutral","sentiment_score":0.21456349545564407}],"sentiment":"neutral","sentiment_score":0.1247682278377137,"num_words":84,"start":1168.505,"end":1218.4249},{"sentences":[{"text":"That way, I can mix it into the plan about consolidating, but can also give you statements so it's all in one email.","start":1220.565,"end":1226.84,"sentiment":"neutral","sentiment_score":0.13441278299559717},{"text":"Now they may take, possibly, worst case scenario, a week or two weeks to accept the authority to get the information.","start":1228.9,"end":1235.32,"sentiment":"neutral","sentiment_score":-0.02292967676406815},{"text":"Would it be okay that time frame to get you the full pack of statements, or is it a bit more urgent than that?","start":1235.7,"end":1241.205,"sentiment":"neutral","sentiment_score":-0.044912425645937525},{"text":"Yeah.","start":1249.665,"end":1249.905,"sentiment":"neutral","sentiment_score":-0.01828387752175331},{"text":"So if if we're trying to hunt down the statement from Super SA, I know it's small, but we may not be able to obtain that tomorrow kind of thing, Netwealth, we can send through straightaway.","start":1249.905,"end":1259.86,"sentiment":"neutral","sentiment_score":-0.033655483146301575}],"sentiment":"neutral","sentiment_score":0.002878012481544699,"num_words":105,"start":1220.565,"end":1259.86},{"sentences":[{"text":"Yep.","start":1265.12,"end":1265.62,"sentiment":"neutral","sentiment_score":0.02436196431517601},{"text":"So I'll I'll still send the authority for our purposes, but I'll send you the other ones.","start":1267.515,"end":1273.215,"sentiment":"neutral","sentiment_score":0.037330664694309235},{"text":"And just quickly, Lynn, as well.","start":1275.275,"end":1276.875,"sentiment":"neutral","sentiment_score":0.10829569647709529},{"text":"So for the insurance side of things, you have the 343,000 worth of life and disability insurance through Nails, about $2.5 after the rebate coming out of the super.","start":1276.875,"end":1292.76,"sentiment":"neutral","sentiment_score":0.05957288108766079},{"text":"Given that the situation is in flux, do you wanna do you want me to make sure that I keep that policy in force as is and then review it in November, or would you like me to do some quotes and changes now?","start":1293.06,"end":1305.115,"sentiment":"neutral","sentiment_score":0.033793750261379915}],"sentiment":"neutral","sentiment_score":0.04663191758787509,"num_words":97,"start":1265.12,"end":1305.115},{"sentences":[{"text":"K.","start":1308.6951,"end":1309.1951,"sentiment":"neutral","sentiment_score":0.05789712816476822},{"text":"So we'll keep that in force.","start":1309.5,"end":1311.26,"sentiment":"positive","sentiment_score":0.3875304659207662},{"text":"I'll pencil in to discuss that because there may be some, again, cheaper providers or need to increase or decrease amounts.","start":1311.26,"end":1318.64,"sentiment":"neutral","sentiment_score":0.036187401662270226},{"text":"So I will table that until November.","start":1319.02,"end":1321.36,"sentiment":"neutral","sentiment_score":0.10800005601985115},{"text":"And with the estate planning side of things, I know you're going through, you know, lawyers and mediation and so on.","start":1323.58,"end":1329.745,"sentiment":"neutral","sentiment_score":0.06182067743724301}],"sentiment":"neutral","sentiment_score":0.09280803530210895,"num_words":56,"start":1308.6951,"end":1329.745},{"sentences":[{"text":"But do you guys have, like, a a will that is in place that you need to update, power of attorney that you need to update?","start":1330.205,"end":1337.185,"sentiment":"neutral","sentiment_score":0.015608689282089472},{"text":"K.","start":1340.34,"end":1340.84,"sentiment":"neutral","sentiment_score":-0.022871408611536023},{"text":"I'll put in the reminders for those.","start":1342.74,"end":1344.6799,"sentiment":"neutral","sentiment_score":-0.013046410733035632},{"text":"Maybe that's something to do after the separation is finalized and property settlement is finalized.","start":1345.22,"end":1350.36,"sentiment":"neutral","sentiment_score":0.01631423703705271},{"text":"Perfect.","start":1352.485,"end":1352.985,"sentiment":"neutral","sentiment_score":0.19222763180732727}],"sentiment":"neutral","sentiment_score":0.014571416499093175,"num_words":50,"start":1330.205,"end":1352.985},{"sentences":[{"text":"Like you said, life gets in the way, and it's like, do I get it to to change the provider for this and change the direction of contributions and the wheels, and then there's schools and bills and interest rates.","start":1356.9651,"end":1369.36,"sentiment":"neutral","sentiment_score":-0.07079673351254315},{"text":"It's never ending.","start":1370.46,"end":1371.36,"sentiment":"neutral","sentiment_score":-0.0727348728881528},{"text":"Never ending.","start":1371.66,"end":1372.48,"sentiment":"neutral","sentiment_score":-0.12661303579807281},{"text":"Let me have a little look because, again, it was a bit rough.","start":1379.02,"end":1382.355,"sentiment":"neutral","sentiment_score":-0.13064046547963068},{"text":"Not going to lie there.","start":1382.595,"end":1384.035,"sentiment":"neutral","sentiment_score":-0.17119553089141845}],"sentiment":"neutral","sentiment_score":-0.09297783708658129,"num_words":63,"start":1356.9651,"end":1384.035},{"sentences":[{"text":"We had to catch a bit of a falling knife, take a bit of blood off of that one, and then move it.","start":1384.035,"end":1389.015,"sentiment":"neutral","sentiment_score":-0.24623966476191644},{"text":"We went from pretty flat, to be honest.","start":1389.955,"end":1396.98,"sentiment":"neutral","sentiment_score":-0.12756193056702614},{"text":"I'm having a look at it here.","start":1397.2999,"end":1398.76,"sentiment":"neutral","sentiment_score":0.0033624834780182156},{"text":"It hasn't gone down, but it also hasn't jumped up either.","start":1399.46,"end":1403.64,"sentiment":"neutral","sentiment_score":-0.1443054059689695},{"text":"It's pretty well held for twelve months.","start":1403.7,"end":1406.04,"sentiment":"neutral","sentiment_score":-0.0323896836489439}],"sentiment":"neutral","sentiment_score":-0.1513313857306327,"num_words":56,"start":1384.035,"end":1406.04},{"sentences":[{"text":"You're sitting at $108,109,000 in net wealth and then the 641 in Super SA.","start":1407.54,"end":1421.635,"sentiment":"neutral","sentiment_score":0.0035078829886125667},{"text":"Sorry.","start":1421.635,"end":1421.795,"sentiment":"neutral","sentiment_score":-0.010356043465435503},{"text":"108,000 and six 100 no.","start":1421.795,"end":1431.6901,"sentiment":"neutral","sentiment_score":0.20174564458429814},{"text":"It's done very well for a few years.","start":1431.6901,"end":1433.4501,"sentiment":"neutral","sentiment_score":-0.06772073823958635},{"text":"It's just it's just stalled a little bit.","start":1433.4501,"end":1435.4501,"sentiment":"neutral","sentiment_score":-0.176005813293159}],"sentiment":"neutral","sentiment_score":-0.025064718637925882,"num_words":36,"start":1407.54,"end":1435.4501},{"sentences":[{"text":"That's all.","start":1435.4501,"end":1436.27,"sentiment":"neutral","sentiment_score":0.060265831649303436},{"text":"We will continue to set it on its merry way.","start":1438.8251,"end":1441.0651,"sentiment":"positive","sentiment_score":0.7201682090759277},{"text":"Like I said, we've already fixed the portfolio up.","start":1441.0651,"end":1443.805,"sentiment":"positive","sentiment_score":0.3764047390884823},{"text":"I don't see any need to change any of the other options.","start":1444.665,"end":1447.0851,"sentiment":"neutral","sentiment_score":-0.2194912744065126},{"text":"Just need to wait for the world to stop blowing up for a few months, and we should be gone.","start":1447.2251,"end":1450.83,"sentiment":"negative","sentiment_score":-0.3357288561761379}],"sentiment":"neutral","sentiment_score":0.025686490367043693,"num_words":53,"start":1435.4501,"end":1450.83},{"sentences":[{"text":"To be honest, I do expect the next three to nine months to be you know how we use the word volatile before?","start":1455.71,"end":1461.97,"sentiment":"neutral","sentiment_score":-0.10140059661606084},{"text":"Basically, that just means higher highs, lower lows in a shorter period of time, and then it tends to kind of settle down for another three to five.","start":1462.4299,"end":1469.895,"sentiment":"neutral","sentiment_score":-0.06831375063796129},{"text":"So there may be some big gains, big losses, and then see how we average out.","start":1470.755,"end":1474.455,"sentiment":"neutral","sentiment_score":-0.004738292191177607},{"text":"But I will kind of update you on what's going on in November as well, and then I definitely wanna catch back up mid next year because we'll have a lot more idea then as well.","start":1474.595,"end":1485.39,"sentiment":"neutral","sentiment_score":0.13056116768469414},{"text":"K?","start":1486.8099,"end":1487.0499,"sentiment":"neutral","sentiment_score":0.014332903549075128}],"sentiment":"neutral","sentiment_score":0.003785803126027951,"num_words":104,"start":1455.71,"end":1487.0499},{"sentences":[{"text":"As long as you're okay to hold on to the roller coaster for another twelve months, it'll be very good long term.","start":1487.0499,"end":1492.83,"sentiment":"neutral","sentiment_score":0.0910000621595166},{"text":"When you get closer to retirement, I will start to taper off how much you've got exposed to the market, and we'll drop you from, you know, 90% growth to eighty, seventy, sixty, fifty, forty on your way to that pension account.","start":1492.955,"end":1505.49,"sentiment":"neutral","sentiment_score":-0.07628970664171945},{"text":"I'll factor in the any inheritance or funds that you receive into that plan as well because if we boost up quicker, we can reduce risk faster.","start":1507.8099,"end":1516.95,"sentiment":"neutral","sentiment_score":0.27572478188408744},{"text":"Alright.","start":1520.05,"end":1520.55,"sentiment":"neutral","sentiment_score":0.2138638198375702},{"text":"I will send you out this pack if you are okay to consent.","start":1521.275,"end":1525.5349,"sentiment":"neutral","sentiment_score":0.09487590079124157}],"sentiment":"neutral","sentiment_score":0.07323479361477353,"num_words":105,"start":1487.0499,"end":1525.5349},{"sentences":[{"text":"One thing I will do is because you haven't finalized anything just yet, I would still like to offer you the the couple's rate discount for twelve months, 1.1% for our services.","start":1525.755,"end":1537.38,"sentiment":"neutral","sentiment_score":0.29085272550582886},{"text":"And we are also including you discounted tiered fees for next year as well.","start":1538.0,"end":1544.42,"sentiment":"neutral","sentiment_score":0.29326062010867254},{"text":"So, basically, I would like to keep your discount running for twelve months.","start":1545.04,"end":1548.9601,"sentiment":"positive","sentiment_score":0.36108110501216006},{"text":"And then in twelve months' time, you'll be on a structure that gives you discounts above 200,000 once we get you up to that point as well.","start":1548.9601,"end":1556.395,"sentiment":"neutral","sentiment_score":0.2418225015755053},{"text":"So, normally, our single client fee structure is 1.65%.","start":1560.2151,"end":1565.275,"sentiment":"neutral","sentiment_score":0.05138422424594561}],"sentiment":"neutral","sentiment_score":0.26419637709071764,"num_words":95,"start":1525.755,"end":1565.275},{"sentences":[{"text":"For couples, we offer it as 1.1.","start":1566.2001,"end":1568.4601,"sentiment":"neutral","sentiment_score":0.07430662853377205},{"text":"And next year, we have the tiered fee.","start":1569.0,"end":1572.2001,"sentiment":"neutral","sentiment_score":0.06275685084983706},{"text":"So when you have a super balance above 200,000, the percentage drops, and then it drops again after 500,000.","start":1572.2001,"end":1580.905,"sentiment":"neutral","sentiment_score":0.02781262400707132},{"text":"So I basically wanna give you yeah.","start":1580.905,"end":1591.95,"sentiment":"neutral","sentiment_score":0.025917736015149524},{"text":"We've still got it on there for the discount.","start":1592.11,"end":1594.45,"sentiment":"neutral","sentiment_score":0.17265865206718445}],"sentiment":"neutral","sentiment_score":0.06571986166760325,"num_words":50,"start":1566.2001,"end":1594.45},{"sentences":[{"text":"I would like to run that for at least the next twelve months.","start":1595.63,"end":1598.21,"sentiment":"neutral","sentiment_score":0.224511423936257},{"text":"Cool.","start":1600.4299,"end":1600.9299,"sentiment":"positive","sentiment_score":0.34378522634506226},{"text":"Alright.","start":1602.75,"end":1603.25,"sentiment":"neutral","sentiment_score":0.18365196883678436},{"text":"The other thing too sorry.","start":1603.5499,"end":1605.095,"sentiment":"neutral","sentiment_score":-0.03218128904700279},{"text":"Just to let you know before you go, there is a tax file number opt in form just to make sure that you're still okay for us to hold that number.","start":1605.095,"end":1612.155,"sentiment":"neutral","sentiment_score":0.0017434256451745187}],"sentiment":"neutral","sentiment_score":0.06547500894350164,"num_words":51,"start":1595.63,"end":1612.155},{"sentences":[{"text":"It is quite important, so we need your consent.","start":1612.4551,"end":1614.9551,"sentiment":"neutral","sentiment_score":0.00362195260822773},{"text":"Beautiful.","start":1617.8151,"end":1618.295,"sentiment":"positive","sentiment_score":0.38205641508102417},{"text":"Any questions?","start":1618.295,"end":1619.035,"sentiment":"neutral","sentiment_score":0.08587080985307693},{"text":"If you can, please.","start":1625.29,"end":1626.17,"sentiment":"neutral","sentiment_score":0.07401372119784355},{"text":"There's only one, two, three to sign out of the seven.","start":1626.17,"end":1631.37,"sentiment":"neutral","sentiment_score":0.05657395822080699}],"sentiment":"neutral","sentiment_score":0.055732001240054764,"num_words":27,"start":1612.4551,"end":1631.37},{"sentences":[{"text":"The rest can be essentially skipped and for your records, you know, certificates for your insurances and service guides with Oakview Financial.","start":1631.37,"end":1639.0751,"sentiment":"neutral","sentiment_score":0.08341915719211102},{"text":"So that should come through to you in the next minute or two in the interim.","start":1641.775,"end":1646.8351,"sentiment":"neutral","sentiment_score":0.19722840143367648},{"text":"Yeah.","start":1651.8301,"end":1652.15,"sentiment":"neutral","sentiment_score":0.286823570728302},{"text":"So I'll do the full pack up.","start":1652.15,"end":1653.75,"sentiment":"neutral","sentiment_score":0.2805622113602502},{"text":"I'll get Michelle to put that together for you today, and you should have that in the next twenty four Awesome, Lynn.","start":1653.75,"end":1663.025,"sentiment":"neutral","sentiment_score":0.26473155143586075}],"sentiment":"neutral","sentiment_score":0.19214307445594492,"num_words":68,"start":1631.37,"end":1663.025},{"sentences":[{"text":"Anything else you need before I let you go?","start":1663.025,"end":1664.725,"sentiment":"neutral","sentiment_score":0.2496871617105272},{"text":"Just some lottery numbers?","start":1667.025,"end":1668.325,"sentiment":"neutral","sentiment_score":-0.025240664836019278},{"text":"Yes.","start":1675.52,"end":1676.02,"sentiment":"neutral","sentiment_score":0.01728692837059498},{"text":"Yeah.","start":1693.055,"end":1693.455,"sentiment":"neutral","sentiment_score":0.02184462547302246},{"text":"We we specialize in ongoing long term care.","start":1693.455,"end":1696.995,"sentiment":"neutral","sentiment_score":0.04645710764452815}],"sentiment":"neutral","sentiment_score":0.1111743570021961,"num_words":23,"start":1663.025,"end":1696.995},{"sentences":[{"text":"So the one off is to set everything up.","start":1697.19,"end":1700.1699,"sentiment":"neutral","sentiment_score":0.06419670830170314},{"text":"And then after that point, it's to maintain it, update it, review it, and changes your life changes.","start":1700.23,"end":1706.6299,"sentiment":"neutral","sentiment_score":0.06377576291561127},{"text":"So that's why whether it's three, six, or twelve month catch ups that you need, we will adapt to you and give you further advice as you need it or incorporated into the fee.","start":1706.6299,"end":1716.495,"sentiment":"neutral","sentiment_score":0.08000168116653666},{"text":"Correct.","start":1724.395,"end":1724.795,"sentiment":"neutral","sentiment_score":0.08543900400400162},{"text":"So the only thing that we do now is that if we're setting up, like, a large managed fund investment of 5,200,000, whatever it is, we do charge $750 to do the advice and set it up, and then it is incorporated alongside the super to be managed.","start":1724.795,"end":1741.035,"sentiment":"neutral","sentiment_score":0.059371240359420575}],"sentiment":"neutral","sentiment_score":0.06710045280104333,"num_words":110,"start":1697.19,"end":1741.035},{"sentences":[{"text":"Does that make sense?","start":1745.435,"end":1746.415,"sentiment":"neutral","sentiment_score":0.0843235831707716},{"text":"I have put in the system there as well that when we catch up next, I won't just talk about the insurances and so on as we'll touch base on how you went with the the settlement, any other funds received, and anything you would like advice wise, and we can go from there.","start":1751.8351,"end":1767.45,"sentiment":"neutral","sentiment_score":0.12474936688387836},{"text":"I can give you any advice you need.","start":1767.45,"end":1771.5149,"sentiment":"neutral","sentiment_score":0.14057957753539085},{"text":"Cool.","start":1772.5349,"end":1773.0349,"sentiment":"neutral","sentiment_score":0.08257057517766953},{"text":"Have a fantastic end of your week.","start":1773.335,"end":1776.215,"sentiment":"positive","sentiment_score":0.8575907008988517}],"sentiment":"neutral","sentiment_score":0.1930284087319632,"num_words":74,"start":1745.435,"end":1776.215},{"sentences":[{"text":"And as soon as we get these documents back, I'll do the finalized update for Super SA, and we'll send you the statement straight away.","start":1776.215,"end":1785.07,"sentiment":"neutral","sentiment_score":0.32219273746013644},{"text":"In about two weeks' time, I'll just run through that updated plan with you just to get everything cleaned up, and then I've penciled in for November.","start":1785.2899,"end":1792.3708,"sentiment":"neutral","sentiment_score":0.198187208837933},{"text":"Awesome, Lynn.","start":1795.7909,"end":1796.4309,"sentiment":"positive","sentiment_score":0.8399510383605957},{"text":"See you later.","start":1796.4309,"end":1797.2509,"sentiment":"positive","sentiment_score":0.6815241972605387},{"text":"Thanks.","start":1798.6709,"end":1799.1709,"sentiment":"positive","sentiment_score":0.6398568153381348}],"sentiment":"neutral","sentiment_score":0.3063828372235956,"num_words":58,"start":1776.215,"end":1799.1709},{"sentences":[{"text":"Bye.","start":1799.2308,"end":1799.7308,"sentiment":"neutral","sentiment_score":-0.11635662615299223}],"sentiment":"neutral","sentiment_score":-0.11635662615299223,"num_words":1,"start":1799.2308,"end":1799.7308}]}}]},{"alternatives":[{"transcript":"Thank you. Uh-huh. Right. You were trying to send me a text message to say you were gonna be late? Or oh, okay. Yep. No worries. That's okay. I'll let you off the hook this time. I'll let you off the hook this time. Possibly. Possibly, yes. I've really only got a half an hour now now, though. Yep. So do you so do you want me to have a look at them now? Or Okay. Okay. Well, yeah, there's gonna be a bit of a change of circumstances around that anyway because we're going through separation at the moment. No. Don't send that through. What do you mean? Well, not really. So, yeah, there's a bit of there's a bit of stuff going on. So I'm trying to go through separation. Hoping he won't be greedy so that I have a house to live in. Yeah. I'm not sure. Nope. I don't know. I don't really know which direction it's gonna go, but I I will potentially be coming into some money. We've got some properties that not me and my husband, me and my siblings. Property that was gonna sell. Yep. Yep. Yep. You know what? Probably don't worry about it at the moment because if I died tomorrow, sure. He can have some of my super because he needs to look after the kids, I guess. I don't know. Yeah. Just waiting like that at the moment. I have to sort that out later, I guess. Yeah. Because I don't know. So I'm gonna need so can you just hold on for one minute? K. I'm back. Yeah. Yep. Yep. Just leave it like that anyway. Oh, that's what I I was gonna say. So I can see so for mediation, I'll need because I need the last three years' statements of my superannuation. Now would I receive that anyway? Already in my email. Honestly, I'm not able to shut that Super SA one, which I thought I did, and then it reopened. There's not much in that anyway. Yeah. See, I thought I did close it, but then the department must have opened it up again, the Department of Education. And I do have forms. Pardon? No. I haven't no. Because I haven't it's only, like, if I work every now and then. I'm only on a casual basis with those guys. Because I work in a childcare center, and we have a kindy attached. And sometimes I need kindy staff. So that's, yeah, that's my work. Well, I did work for a school a few years ago. But yeah. And I and I did get some forms. I've got them here somewhere where I can change my contribution thing with the department, which I need to get on to. But, you know, lots of people are really stuck around that, aren't we? What's that for? I don't know. I you guys didn't send it to me last time. I think I got it from my boss at work to say what's the form that you would send me? Is it what I send to the education department for them to put my super in a different fund? Yes. That'd be great. Yep. Yep. Mhmm. No. I don't. I forgot. Hang on. I can find it. My email. Weird. Only one came up. You don't need to know my personal. In my in my my I get my daughter's email so I can monitor that. And it also always my email account always default to her inbox instead of mine. Oh, no. Yeah. That's alright. That's that. That's muddy. Weed. Stream. July. No. Alright. Sure. Go on. Maybe she was really organized. Yeah. No. What is that? What do you mean my financial Yeah. I'm not really here, am I? I wasn't gonna pay for it. Pay period. On the end of the financial year. Could have a yeah. Could have my total income. Year to date. $17,000. I'm sure I get more than that. Really weird. Got some other stuff. Probably all has to get added up. 17 plus 11. $27.08. 3. 3. Oh, yeah. About at a guest? Oh. All diff Yeah. Is that what I said last year? Yep. It would be similar. Yes. No. I don't think so. I don't know. How does superannuation that's kind of an investment. How does that perform in comparison to other investments? Yes. Yep. So what has what has my super what's the percentage of growth at that time? Yep. What was that? So sorry. What what did you switch out? What was it? So what's been along? Do they they diversify or is that a actual company? Right. Yep. Yep. Yep. So the Australian so the Australian share market didn't go so well. Yeah. Pardon? Okay. Yep. Yep. Yep. Yep. Fair enough. Yep. Yep. Alright. Yep. Yeah. I think so. I know it's pretty volatile at the moment. Yeah. I do understand that's pretty volatile at the moment. Like I said, I'm gonna be getting some money, so I wanna kind of diversify out a bit the money that I'm getting into different investments. Yeah. I don't know. That's really good question. I've been thinking potentially, I could just I could just require retire. You know how because my dad got a lump sum from the property and the trust thing that we set up, and he just lived off of the interest payments of that, I think, which is I think we can set up. Is that like a what's that called? So that's a fair high interest thing. Maybe that's how we had it set up as a pension account. Wow. Right? Isn't it? Yes. Yeah. I don't know what's gonna be happening with the property. I'm not sure. Yep. Yeah. Maybe before the end of the year. Yep. Yep. Yep. Okay. Yep. Okay. So if so could I have a couple of statements for the last I'm supposed to provide statements from the last three years last three financial years plus the current statement, which is pretty much I mean, it's not that long since the financial year, is it? Yep. Okay. Yeah. That's good. That'll be good. Thank you. Okay. What do you mean? In two weeks time, get me the statement? Right. Yeah. No. Don't worry about waiting for the Super SA one. Look. It's so little. I can get through the amount that much. Yep. It's that's sent to yeah. It's sent to the other one. Yep. Yep. Yep. That Okay. No. Just leave it. Thank you. Yes. Yep. No. I do not have a wheel. Not car returning. No idea. Yes. Yep. Yep. Absolutely. Yes. I've been saying to you, you should do a wheel, but, you know Another one of those things. Yeah. But it shouldn't look terrible. Yeah. I know. Yeah. Then there's just life. Yeah. That's right. No. That's right. Yes. So how did the super go last financial year anyway? Yep. Yep. You can. Okay. What's it what's it sitting at? Sorry. Sorry? How much in 100 and tons? Thousand. Really? Wow. Well, you guys did that good job. Well, I was thinking it was around 75. But I wasn't yeah. I had yeah. Yeah. That's fine. Great. Yep. Yep. Yep. Man, is that gonna happen, or is it just gonna get crazier? Yes. Yes. Yes. Yep. Okay. Yep. Yep. Yes. Yes. Yep. Yep. No. What do you mean? Mhmm. Right. Okay. Even if your other even if one couple is not with you guys, although I think he has walked over to you, but I don't know if he's finished the process. But okay. Okay. Yep. Yep. Yep. Yep. Okay. Alright. So, basically, go through the email you've sent me and fill out all the forms. Yep. Okay. Great. Thank you. Yep. Yep. And my yep. Yep. And my super statement. Okay. Cool. Thank you. No. I don't think so. Nope. Oh, so, actually, I was wondering because you know how I can have financial advice through you guys? Because I said that to somebody and they're like, oh, yeah. Yeah. That's just a one off. But how do you guys structure it? Is it just a one off thing or can it be an ongoing investment advisory? Yes. Yep. Yep. Okay. Yep. But but not so not with superannuation. Any other type of investment advice? Right. Okay. Right. Yep. I think so. Okay. Yep. Thank you. Yep. Okay. Cool. Thank you. K. 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you. Uh-huh. Right. You were trying to send me a text message to say you were gonna be late? Or oh, okay.\n\nYep. No worries. That's okay. I'll let you off the hook this time. I'll let you off the hook this time.\n\nPossibly. Possibly, yes. I've really only got a half an hour now now, though. Yep. So do you so do you want me to have a look at them now?\n\nOr Okay. Okay. Well, yeah, there's gonna be a bit of a change of circumstances around that anyway because we're going through separation at the moment. No. Don't send that through.\n\nWhat do you mean? Well, not really. So, yeah, there's a bit of there's a bit of stuff going on. So I'm trying to go through separation. Hoping he won't be greedy so that I have a house to live in.\n\nYeah. I'm not sure. Nope. I don't know. I don't really know which direction it's gonna go, but I I will potentially be coming into some money.\n\nWe've got some properties that not me and my husband, me and my siblings. Property that was gonna sell. Yep. Yep. Yep.\n\nYou know what? Probably don't worry about it at the moment because if I died tomorrow, sure. He can have some of my super because he needs to look after the kids, I guess. I don't know. Yeah.\n\nJust waiting like that at the moment. I have to sort that out later, I guess. Yeah. Because I don't know. So I'm gonna need so can you just hold on for one minute?\n\nK. I'm back. Yeah. Yep. Yep.\n\nJust leave it like that anyway. Oh, that's what I I was gonna say. So I can see so for mediation, I'll need because I need the last three years' statements of my superannuation. Now would I receive that anyway? Already in my email.\n\nHonestly, I'm not able to shut that Super SA one, which I thought I did, and then it reopened. There's not much in that anyway. Yeah. See, I thought I did close it, but then the department must have opened it up again, the Department of Education. And I do have forms.\n\nPardon? No. I haven't no. Because I haven't it's only, like, if I work every now and then. I'm only on a casual basis with those guys.\n\nBecause I work in a childcare center, and we have a kindy attached. And sometimes I need kindy staff. So that's, yeah, that's my work. Well, I did work for a school a few years ago. But yeah.\n\nAnd I and I did get some forms. I've got them here somewhere where I can change my contribution thing with the department, which I need to get on to. But, you know, lots of people are really stuck around that, aren't we? What's that for? I don't know.\n\nI you guys didn't send it to me last time. I think I got it from my boss at work to say what's the form that you would send me? Is it what I send to the education department for them to put my super in a different fund? Yes. That'd be great.\n\nYep. Yep. Mhmm. No. I don't.\n\nI forgot. Hang on. I can find it. My email. Weird.\n\nOnly one came up. You don't need to know my personal. In my in my my I get my daughter's email so I can monitor that. And it also always my email account always default to her inbox instead of mine. Oh, no.\n\nYeah. That's alright. That's that. That's muddy. Weed.\n\nStream. July. No. Alright. Sure.\n\nGo on. Maybe she was really organized. Yeah. No. What is that?\n\nWhat do you mean my financial Yeah. I'm not really here, am I? I wasn't gonna pay for it. Pay period. On the end of the financial year.\n\nCould have a yeah. Could have my total income. Year to date. $17,000. I'm sure I get more than that.\n\nReally weird. Got some other stuff. Probably all has to get added up. 17 plus 11. $27.08.\n\n3. 3. Oh, yeah. About at a guest? Oh.\n\nAll diff Yeah. Is that what I said last year? Yep. It would be similar. Yes.\n\nNo. I don't think so. I don't know. How does superannuation that's kind of an investment. How does that perform in comparison to other investments?\n\nYes. Yep. So what has what has my super what's the percentage of growth at that time? Yep. What was that?\n\nSo sorry. What what did you switch out? What was it? So what's been along? Do they they diversify or is that a actual company?\n\nRight. Yep. Yep. Yep. So the Australian so the Australian share market didn't go so well.\n\nYeah. Pardon? Okay. Yep. Yep.\n\nYep. Yep. Fair enough. Yep. Yep.\n\nAlright. Yep. Yeah. I think so. I know it's pretty volatile at the moment.\n\nYeah. I do understand that's pretty volatile at the moment. Like I said, I'm gonna be getting some money, so I wanna kind of diversify out a bit the money that I'm getting into different investments. Yeah. I don't know.\n\nThat's really good question. I've been thinking potentially, I could just I could just require retire. You know how because my dad got a lump sum from the property and the trust thing that we set up, and he just lived off of the interest payments of that, I think, which is I think we can set up. Is that like a what's that called? So that's a fair high interest thing.\n\nMaybe that's how we had it set up as a pension account. Wow. Right? Isn't it? Yes.\n\nYeah. I don't know what's gonna be happening with the property. I'm not sure. Yep. Yeah.\n\nMaybe before the end of the year. Yep. Yep. Yep. Okay.\n\nYep. Okay. So if so could I have a couple of statements for the last I'm supposed to provide statements from the last three years last three financial years plus the current statement, which is pretty much I mean, it's not that long since the financial year, is it? Yep. Okay.\n\nYeah. That's good. That'll be good. Thank you. Okay.\n\nWhat do you mean? In two weeks time, get me the statement? Right. Yeah. No.\n\nDon't worry about waiting for the Super SA one. Look. It's so little. I can get through the amount that much. Yep.\n\nIt's that's sent to yeah. It's sent to the other one. Yep. Yep. Yep.\n\nThat Okay. No. Just leave it. Thank you. Yes.\n\nYep. No. I do not have a wheel. Not car returning. No idea.\n\nYes. Yep. Yep. Absolutely. Yes.\n\nI've been saying to you, you should do a wheel, but, you know Another one of those things. Yeah. But it shouldn't look terrible. Yeah. I know.\n\nYeah. Then there's just life. Yeah. That's right. No.\n\nThat's right. Yes. So how did the super go last financial year anyway? Yep. Yep.\n\nYou can. Okay. What's it what's it sitting at? Sorry. Sorry?\n\nHow much in 100 and tons? Thousand. Really? Wow. Well, you guys did that good job.\n\nWell, I was thinking it was around 75. But I wasn't yeah. I had yeah. Yeah. That's fine.\n\nGreat. Yep. Yep. Yep. Man, is that gonna happen, or is it just gonna get crazier?\n\nYes. Yes. Yes. Yep. Okay.\n\nYep. Yep. Yes. Yes. Yep.\n\nYep. No. What do you mean? Mhmm. Right.\n\nOkay. Even if your other even if one couple is not with you guys, although I think he has walked over to you, but I don't know if he's finished the process. But okay. Okay. Yep.\n\nYep. Yep. Yep. Okay. Alright.\n\nSo, basically, go through the email you've sent me and fill out all the forms. Yep. Okay. Great. Thank you.\n\nYep. Yep. And my yep. Yep. And my super statement.\n\nOkay. Cool. Thank you. No. I don't think so.\n\nNope. Oh, so, actually, I was wondering because you know how I can have financial advice through you guys? Because I said that to somebody and they're like, oh, yeah. Yeah. That's just a one off.\n\nBut how do you guys structure it? Is it just a one off thing or can it be an ongoing investment advisory? Yes. Yep. Yep.\n\nOkay. Yep. But but not so not with superannuation. Any other type of investment advice? Right.\n\nOkay. Right. Yep. I think so. Okay.\n\nYep. Thank you. Yep. Okay. Cool.\n\nThank you. K. See you.","paragraphs":[{"sentences":[{"text":"Thank you.","start":5.8399997,"end":6.58,"sentiment":"positive","sentiment_score":0.6404273808002472},{"text":"Uh-huh.","start":22.494999,"end":22.654999,"sentiment":"neutral","sentiment_score":-0.1225586161017418},{"text":"Right.","start":22.654999,"end":23.154999,"sentiment":"neutral","sentiment_score":-0.10027678310871124},{"text":"You were trying to send me a text message to say you were gonna be late?","start":23.775,"end":27.634998,"sentiment":"neutral","sentiment_score":-0.1596287819556892},{"text":"Or oh, okay.","start":30.06,"end":31.2,"sentiment":"neutral","sentiment_score":-0.11098484446605046}],"sentiment":"neutral","sentiment_score":-0.0795215514043103,"num_words":23,"start":5.8399997,"end":31.2},{"sentences":[{"text":"Yep.","start":35.02,"end":35.42,"sentiment":"neutral","sentiment_score":-0.023499824106693268},{"text":"No worries.","start":35.42,"end":36.079998,"sentiment":"neutral","sentiment_score":-0.025818685069680214},{"text":"That's okay.","start":36.78,"end":37.44,"sentiment":"neutral","sentiment_score":-0.028286010026931763},{"text":"I'll let you off the hook this time.","start":37.58,"end":39.52,"sentiment":"neutral","sentiment_score":-0.13232113420963287},{"text":"I'll let you off the hook this time.","start":41.565,"end":43.505,"sentiment":"neutral","sentiment_score":-0.1973601821810007}],"sentiment":"neutral","sentiment_score":-0.1318647497821422,"num_words":21,"start":35.02,"end":43.505},{"sentences":[{"text":"Possibly.","start":65.895004,"end":66.395004,"sentiment":"neutral","sentiment_score":0.0032376262824982405},{"text":"Possibly, yes.","start":67.575,"end":68.715004,"sentiment":"neutral","sentiment_score":0.024063631892204285},{"text":"I've really only got a half an hour now now, though.","start":69.735,"end":72.325,"sentiment":"neutral","sentiment_score":-0.02877548455514691},{"text":"Yep.","start":96.485,"end":96.985,"sentiment":"neutral","sentiment_score":0.053951676934957504},{"text":"So do you so do you want me to have a look at them now?","start":97.365,"end":103.064995,"sentiment":"neutral","sentiment_score":0.02938630071779092}],"sentiment":"neutral","sentiment_score":0.007652691588737071,"num_words":30,"start":65.895004,"end":103.064995},{"sentences":[{"text":"Or Okay.","start":103.125,"end":114.92,"sentiment":"neutral","sentiment_score":0.08239753544330597},{"text":"Okay.","start":135.185,"end":135.585,"sentiment":"neutral","sentiment_score":-0.015467774122953417},{"text":"Well, yeah, there's gonna be a bit of a change of circumstances around that anyway because we're going through separation at the moment.","start":135.585,"end":142.56999,"sentiment":"neutral","sentiment_score":-0.19100114184877146},{"text":"No.","start":144.79,"end":145.29,"sentiment":"negative","sentiment_score":-0.3607079982757568},{"text":"Don't send that through.","start":145.34999,"end":146.65,"sentiment":"negative","sentiment_score":-0.33562057465314865}],"sentiment":"neutral","sentiment_score":-0.19183513750472375,"num_words":31,"start":103.125,"end":146.65},{"sentences":[{"text":"What do you mean?","start":169.67,"end":170.56999,"sentiment":"neutral","sentiment_score":-0.018627612851560116},{"text":"Well, not really.","start":183.31499,"end":184.375,"sentiment":"neutral","sentiment_score":-0.0906681294242541},{"text":"So, yeah, there's a bit of there's a bit of stuff going on.","start":184.435,"end":187.555,"sentiment":"neutral","sentiment_score":-0.1381918266415596},{"text":"So I'm trying to go through separation.","start":187.555,"end":189.68001,"sentiment":"neutral","sentiment_score":-0.08531212274517332},{"text":"Hoping he won't be greedy so that I have a house to live in.","start":192.22,"end":199.92,"sentiment":"neutral","sentiment_score":-0.07317586189934186}],"sentiment":"neutral","sentiment_score":-0.09182086614210432,"num_words":41,"start":169.67,"end":199.92},{"sentences":[{"text":"Yeah.","start":204.645,"end":205.045,"sentiment":"neutral","sentiment_score":-0.06285463273525238},{"text":"I'm not sure.","start":205.045,"end":205.945,"sentiment":"neutral","sentiment_score":-0.10297929992278416},{"text":"Nope.","start":208.24501,"end":208.725,"sentiment":"neutral","sentiment_score":-0.1790100783109665},{"text":"I don't know.","start":208.725,"end":209.365,"sentiment":"neutral","sentiment_score":-0.1924484223127365},{"text":"I don't really know which direction it's gonna go, but I I will potentially be coming into some money.","start":209.365,"end":217.205,"sentiment":"neutral","sentiment_score":-0.217414727336482}],"sentiment":"neutral","sentiment_score":-0.19477880359799774,"num_words":27,"start":204.645,"end":217.205},{"sentences":[{"text":"We've got some properties that not me and my husband, me and my siblings.","start":217.205,"end":223.23001,"sentiment":"neutral","sentiment_score":-0.11054448996271406},{"text":"Property that was gonna sell.","start":224.73001,"end":226.19,"sentiment":"neutral","sentiment_score":-0.0635522298514843},{"text":"Yep.","start":238.645,"end":239.145,"sentiment":"neutral","sentiment_score":-0.03782474994659424},{"text":"Yep.","start":241.525,"end":241.86,"sentiment":"neutral","sentiment_score":-0.05271027609705925},{"text":"Yep.","start":256.155,"end":256.655,"sentiment":"neutral","sentiment_score":0.058006130158901215}],"sentiment":"neutral","sentiment_score":-0.08626876839182594,"num_words":22,"start":217.205,"end":256.655},{"sentences":[{"text":"You know what?","start":260.635,"end":261.535,"sentiment":"neutral","sentiment_score":-0.022431342241664726},{"text":"Probably don't worry about it at the moment because if I died tomorrow, sure.","start":261.755,"end":267.355,"sentiment":"neutral","sentiment_score":-0.17175543840442384},{"text":"He can have some of my super because he needs to look after the kids, I guess.","start":267.355,"end":272.91998,"sentiment":"neutral","sentiment_score":0.10971421507351539},{"text":"I don't know.","start":272.97998,"end":274.6,"sentiment":"neutral","sentiment_score":-0.09424385676781337},{"text":"Yeah.","start":274.66,"end":274.97998,"sentiment":"neutral","sentiment_score":-0.07600683718919754}],"sentiment":"neutral","sentiment_score":-0.02540702409552116,"num_words":38,"start":260.635,"end":274.97998},{"sentences":[{"text":"Just waiting like that at the moment.","start":274.97998,"end":276.5,"sentiment":"neutral","sentiment_score":-0.17305469619376318},{"text":"I have to sort that out later, I guess.","start":276.5,"end":279.0,"sentiment":"neutral","sentiment_score":-0.15681419356001747},{"text":"Yeah.","start":279.46,"end":279.86,"sentiment":"neutral","sentiment_score":-0.05382381379604339},{"text":"Because I don't know.","start":279.86,"end":281.08,"sentiment":"neutral","sentiment_score":-0.12272991426289082},{"text":"So I'm gonna need so can you just hold on for one minute?","start":281.3,"end":286.94498,"sentiment":"neutral","sentiment_score":-0.08840408520056652}],"sentiment":"neutral","sentiment_score":-0.12696197628974915,"num_words":34,"start":274.97998,"end":286.94498},{"sentences":[{"text":"K.","start":305.4,"end":305.56,"sentiment":"neutral","sentiment_score":0.0742972195148468},{"text":"I'm back.","start":305.56,"end":306.22,"sentiment":"neutral","sentiment_score":0.1767028048634529},{"text":"Yeah.","start":314.975,"end":315.375,"sentiment":"neutral","sentiment_score":0.06097343564033508},{"text":"Yep.","start":315.375,"end":315.695,"sentiment":"neutral","sentiment_score":0.0551891028881073},{"text":"Yep.","start":315.695,"end":316.095,"sentiment":"neutral","sentiment_score":0.0626777857542038}],"sentiment":"neutral","sentiment_score":0.1010905255873998,"num_words":6,"start":305.4,"end":316.095},{"sentences":[{"text":"Just leave it like that anyway.","start":316.095,"end":317.555,"sentiment":"neutral","sentiment_score":0.034837803492943444},{"text":"Oh, that's what I I was gonna say.","start":318.495,"end":320.415,"sentiment":"neutral","sentiment_score":0.009114782325923443},{"text":"So I can see so for mediation, I'll need because I need the last three years' statements of my superannuation.","start":320.415,"end":335.22,"sentiment":"neutral","sentiment_score":0.008343023434281348},{"text":"Now would I receive that anyway?","start":336.64,"end":339.7,"sentiment":"neutral","sentiment_score":0.013165160392721495},{"text":"Already in my email.","start":341.83502,"end":343.05502,"sentiment":"neutral","sentiment_score":0.004018052015453577}],"sentiment":"neutral","sentiment_score":0.012360652697018602,"num_words":44,"start":316.095,"end":343.05502},{"sentences":[{"text":"Honestly, I'm not able to shut that Super SA one, which I thought I did, and then it reopened.","start":356.81003,"end":361.55002,"sentiment":"neutral","sentiment_score":-0.25044970684929896},{"text":"There's not much in that anyway.","start":362.09003,"end":363.79,"sentiment":"neutral","sentiment_score":-0.14810250575343767},{"text":"Yeah.","start":375.845,"end":376.08502,"sentiment":"neutral","sentiment_score":-0.03761134296655655},{"text":"See, I thought I did close it, but then the department must have opened it up again, the Department of Education.","start":376.08502,"end":382.09,"sentiment":"neutral","sentiment_score":-0.09367673258696284},{"text":"And I do have forms.","start":382.55,"end":384.16998,"sentiment":"neutral","sentiment_score":-0.09226773604750634}],"sentiment":"neutral","sentiment_score":-0.15602540138822335,"num_words":52,"start":356.81003,"end":384.16998},{"sentences":[{"text":"Pardon?","start":385.90997,"end":386.40997,"sentiment":"neutral","sentiment_score":-0.10173176974058153},{"text":"No.","start":390.06998,"end":390.56998,"sentiment":"neutral","sentiment_score":-0.2895720899105072},{"text":"I haven't no.","start":391.03,"end":393.11,"sentiment":"neutral","sentiment_score":-0.3085263520479202},{"text":"Because I haven't it's only, like, if I work every now and then.","start":393.11,"end":397.47498,"sentiment":"neutral","sentiment_score":-0.21902055121385133},{"text":"I'm only on a casual basis with those guys.","start":397.47498,"end":401.01498,"sentiment":"neutral","sentiment_score":-0.1340728145506647}],"sentiment":"neutral","sentiment_score":-0.1989187189826259,"num_words":27,"start":385.90997,"end":401.01498},{"sentences":[{"text":"Because I work in a childcare center, and we have a kindy attached.","start":402.35498,"end":405.875,"sentiment":"neutral","sentiment_score":0.037952532848486535},{"text":"And sometimes I need kindy staff.","start":405.875,"end":407.875,"sentiment":"neutral","sentiment_score":0.009024531890948614},{"text":"So that's, yeah, that's my work.","start":407.875,"end":411.61002,"sentiment":"neutral","sentiment_score":0.10294930264353752},{"text":"Well, I did work for a school a few years ago.","start":411.61002,"end":414.03,"sentiment":"neutral","sentiment_score":0.07736615667288954},{"text":"But yeah.","start":414.09,"end":415.29,"sentiment":"neutral","sentiment_score":0.056181926280260086}],"sentiment":"neutral","sentiment_score":0.056016250268409125,"num_words":38,"start":402.35498,"end":415.29},{"sentences":[{"text":"And I and I did get some forms.","start":415.29,"end":417.29,"sentiment":"neutral","sentiment_score":0.0970818754285574},{"text":"I've got them here somewhere where I can change my contribution thing with the department, which I need to get on to.","start":417.29,"end":424.495,"sentiment":"neutral","sentiment_score":0.07288732447407463},{"text":"But, you know, lots of people are really stuck around that, aren't we?","start":424.495,"end":428.17502,"sentiment":"neutral","sentiment_score":-0.07124620776336926},{"text":"What's that for?","start":428.17502,"end":436.67502,"sentiment":"neutral","sentiment_score":-0.006940638646483421},{"text":"I don't know.","start":443.72,"end":444.62,"sentiment":"neutral","sentiment_score":-0.09771089752515157}],"sentiment":"neutral","sentiment_score":0.023265731273865213,"num_words":49,"start":415.29,"end":444.62},{"sentences":[{"text":"I you guys didn't send it to me last time.","start":445.24,"end":447.4,"sentiment":"neutral","sentiment_score":-0.13974732533097267},{"text":"I think I got it from my boss at work to say what's the form that you would send me?","start":447.4,"end":455.245,"sentiment":"neutral","sentiment_score":-0.06684377547353507},{"text":"Is it what I send to the education department for them to put my super in a different fund?","start":455.245,"end":460.625,"sentiment":"neutral","sentiment_score":-0.06167985557725555},{"text":"Yes.","start":482.185,"end":482.685,"sentiment":"neutral","sentiment_score":0.2737204432487488},{"text":"That'd be great.","start":482.745,"end":483.805,"sentiment":"positive","sentiment_score":0.49880385398864746}],"sentiment":"neutral","sentiment_score":-0.04030441534969042,"num_words":53,"start":445.24,"end":483.805},{"sentences":[{"text":"Yep.","start":484.825,"end":485.325,"sentiment":"neutral","sentiment_score":0.20028111338615415},{"text":"Yep.","start":504.11,"end":504.61,"sentiment":"neutral","sentiment_score":0.05460215359926224},{"text":"Mhmm.","start":509.925,"end":510.425,"sentiment":"neutral","sentiment_score":0.021894019097089767},{"text":"No.","start":516.725,"end":517.225,"sentiment":"neutral","sentiment_score":-0.10829338431358336},{"text":"I don't.","start":517.285,"end":517.945,"sentiment":"neutral","sentiment_score":-0.12125913798809052}],"sentiment":"neutral","sentiment_score":-0.012339062367876371,"num_words":6,"start":484.825,"end":517.945},{"sentences":[{"text":"I forgot.","start":528.41003,"end":529.05,"sentiment":"neutral","sentiment_score":-0.06860771030187607},{"text":"Hang on.","start":529.05,"end":529.77,"sentiment":"neutral","sentiment_score":-0.027150211855769157},{"text":"I can find it.","start":529.77,"end":530.99,"sentiment":"neutral","sentiment_score":0.013471280690282583},{"text":"My email.","start":533.855,"end":534.595,"sentiment":"neutral","sentiment_score":0.00341009657131508},{"text":"Weird.","start":543.21497,"end":543.535,"sentiment":"neutral","sentiment_score":-0.25516924262046814}],"sentiment":"neutral","sentiment_score":-0.03508907009381801,"num_words":11,"start":528.41003,"end":543.535},{"sentences":[{"text":"Only one came up.","start":543.535,"end":544.71,"sentiment":"neutral","sentiment_score":-0.17574295215308666},{"text":"You don't need to know my personal.","start":549.11005,"end":550.65,"sentiment":"neutral","sentiment_score":-0.0973847189119884},{"text":"In my in my my I get my daughter's email so I can monitor that.","start":557.75494,"end":562.555,"sentiment":"neutral","sentiment_score":0.15406974653402963},{"text":"And it also always my email account always default to her inbox instead of mine.","start":562.555,"end":570.25494,"sentiment":"neutral","sentiment_score":0.032627701635162036},{"text":"Oh, no.","start":572.4,"end":573.30005,"sentiment":"neutral","sentiment_score":-0.1324615627527237}],"sentiment":"neutral","sentiment_score":0.026764505954329356,"num_words":43,"start":543.535,"end":573.30005},{"sentences":[{"text":"Yeah.","start":574.0801,"end":574.5801,"sentiment":"neutral","sentiment_score":-0.0645490437746048},{"text":"That's alright.","start":575.36005,"end":576.08,"sentiment":"neutral","sentiment_score":-0.12549757957458496},{"text":"That's that.","start":576.08,"end":576.9,"sentiment":"negative","sentiment_score":-0.34152747690677643},{"text":"That's muddy.","start":600.99,"end":601.73004,"sentiment":"negative","sentiment_score":-0.6226596236228943},{"text":"Weed.","start":603.23004,"end":603.73004,"sentiment":"neutral","sentiment_score":-0.1933787018060684}],"sentiment":"neutral","sentiment_score":-0.30466213822364807,"num_words":8,"start":574.0801,"end":603.73004},{"sentences":[{"text":"Stream.","start":603.87,"end":604.37,"sentiment":"neutral","sentiment_score":-0.042634718120098114},{"text":"July.","start":605.39,"end":605.89,"sentiment":"neutral","sentiment_score":-0.032368242740631104},{"text":"No.","start":624.715,"end":625.035,"sentiment":"neutral","sentiment_score":-0.06060805171728134},{"text":"Alright.","start":625.035,"end":625.535,"sentiment":"neutral","sentiment_score":0.0013258643448352814},{"text":"Sure.","start":627.3,"end":627.62,"sentiment":"neutral","sentiment_score":0.048285603523254395}],"sentiment":"neutral","sentiment_score":-0.017199908941984178,"num_words":5,"start":603.87,"end":627.62},{"sentences":[{"text":"Go 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things.","start":1351.875,"end":1359.9701,"sentiment":"neutral","sentiment_score":0.01649897897409068},{"text":"Yeah.","start":1359.9701,"end":1360.29,"sentiment":"neutral","sentiment_score":-0.013499576598405838},{"text":"But it shouldn't look terrible.","start":1360.29,"end":1361.8301,"sentiment":"neutral","sentiment_score":-0.11518919840455055},{"text":"Yeah.","start":1366.05,"end":1366.37,"sentiment":"neutral","sentiment_score":-0.012474879622459412},{"text":"I know.","start":1366.37,"end":1366.9501,"sentiment":"neutral","sentiment_score":-0.014816831797361374}],"sentiment":"neutral","sentiment_score":-0.012391573714989203,"num_words":27,"start":1351.875,"end":1366.9501},{"sentences":[{"text":"Yeah.","start":1367.49,"end":1367.985,"sentiment":"neutral","sentiment_score":-0.007093979977071285},{"text":"Then there's just life.","start":1368.225,"end":1369.905,"sentiment":"neutral","sentiment_score":-0.03124233242124319},{"text":"Yeah.","start":1369.905,"end":1370.3049,"sentiment":"neutral","sentiment_score":0.0016245804727077484},{"text":"That's right.","start":1370.3049,"end":1371.045,"sentiment":"neutral","sentiment_score":-0.006011634483002127},{"text":"No.","start":1371.985,"end":1372.065,"sentiment":"neutral","sentiment_score":-0.1199963167309761}],"sentiment":"neutral","sentiment_score":-0.029162034987368517,"num_words":9,"start":1367.49,"end":1372.065},{"sentences":[{"text":"That's right.","start":1372.065,"end":1372.965,"sentiment":"neutral","sentiment_score":-0.050799247808754444},{"text":"Yes.","start":1373.105,"end":1373.605,"sentiment":"neutral","sentiment_score":0.015119222924113274},{"text":"So how did the super go last financial year anyway?","start":1373.665,"end":1378.645,"sentiment":"neutral","sentiment_score":0.023770675435662268},{"text":"Yep.","start":1389.14,"end":1389.64,"sentiment":"neutral","sentiment_score":-0.03179202228784561},{"text":"Yep.","start":1397.615,"end":1398.115,"sentiment":"neutral","sentiment_score":-0.0002673740382306278}],"sentiment":"neutral","sentiment_score":0.007944539022476722,"num_words":15,"start":1372.065,"end":1398.115},{"sentences":[{"text":"You can.","start":1398.895,"end":1399.635,"sentiment":"neutral","sentiment_score":0.024404789321124554},{"text":"Okay.","start":1403.775,"end":1404.275,"sentiment":"neutral","sentiment_score":-0.020988982170820236},{"text":"What's it what's it sitting at?","start":1404.495,"end":1407.155,"sentiment":"neutral","sentiment_score":-0.022055658511817455},{"text":"Sorry.","start":1416.65,"end":1417.15,"sentiment":"neutral","sentiment_score":-0.06471948325634003},{"text":"Sorry?","start":1417.4501,"end":1417.93,"sentiment":"neutral","sentiment_score":-0.0595751628279686}],"sentiment":"neutral","sentiment_score":-0.0208007273348895,"num_words":11,"start":1398.895,"end":1417.93},{"sentences":[{"text":"How much in 100 and tons?","start":1417.93,"end":1420.51,"sentiment":"neutral","sentiment_score":-0.022445985426505406},{"text":"Thousand.","start":1421.7749,"end":1422.2749,"sentiment":"neutral","sentiment_score":0.0003962847404181957},{"text":"Really?","start":1423.7749,"end":1424.2749,"sentiment":"neutral","sentiment_score":0.008016525767743587},{"text":"Wow.","start":1424.815,"end":1425.315,"sentiment":"neutral","sentiment_score":0.2172100841999054},{"text":"Well, you guys did that good job.","start":1425.615,"end":1427.7949,"sentiment":"positive","sentiment_score":0.4442070552280971}],"sentiment":"neutral","sentiment_score":0.20002477304660715,"num_words":16,"start":1417.93,"end":1427.7949},{"sentences":[{"text":"Well, I was thinking it was around 75.","start":1428.0149,"end":1430.4349,"sentiment":"neutral","sentiment_score":-0.04152036365121603},{"text":"But I wasn't yeah.","start":1431.2949,"end":1433.7749,"sentiment":"neutral","sentiment_score":-0.08922393806278706},{"text":"I had yeah.","start":1433.7749,"end":1435.315,"sentiment":"neutral","sentiment_score":-0.18184414009253183},{"text":"Yeah.","start":1435.455,"end":1435.955,"sentiment":"neutral","sentiment_score":0.05829563736915589},{"text":"That's fine.","start":1436.495,"end":1437.11,"sentiment":"neutral","sentiment_score":0.3286052793264389}],"sentiment":"neutral","sentiment_score":-0.028838049206468794,"num_words":18,"start":1428.0149,"end":1437.11},{"sentences":[{"text":"Great.","start":1437.11,"end":1437.61,"sentiment":"positive","sentiment_score":0.7378288507461548},{"text":"Yep.","start":1443.99,"end":1444.49,"sentiment":"neutral","sentiment_score":0.09366410970687866},{"text":"Yep.","start":1447.11,"end":1447.61,"sentiment":"neutral","sentiment_score":-0.05956604331731796},{"text":"Yep.","start":1451.1901,"end":1451.43,"sentiment":"neutral","sentiment_score":-0.07589270174503326},{"text":"Man, is that gonna happen, or is it just gonna get crazier?","start":1451.43,"end":1454.6849,"sentiment":"neutral","sentiment_score":-0.20138172308603922}],"sentiment":"neutral","sentiment_score":-0.10753415385261178,"num_words":16,"start":1437.11,"end":1454.6849},{"sentences":[{"text":"Yes.","start":1465.065,"end":1465.3049,"sentiment":"neutral","sentiment_score":-0.008553987368941307},{"text":"Yes.","start":1465.3049,"end":1465.8049,"sentiment":"neutral","sentiment_score":-0.002767866477370262},{"text":"Yes.","start":1466.6649,"end":1466.85,"sentiment":"neutral","sentiment_score":0.000046953558921813965},{"text":"Yep.","start":1473.73,"end":1474.23,"sentiment":"neutral","sentiment_score":0.01533459685742855},{"text":"Okay.","start":1479.01,"end":1479.465,"sentiment":"neutral","sentiment_score":0.1298099160194397}],"sentiment":"neutral","sentiment_score":0.026773922517895697,"num_words":5,"start":1465.065,"end":1479.465},{"sentences":[{"text":"Yep.","start":1485.3049,"end":1485.625,"sentiment":"neutral","sentiment_score":0.04471100494265556},{"text":"Yep.","start":1485.625,"end":1486.125,"sentiment":"neutral","sentiment_score":0.02560073509812355},{"text":"Yes.","start":1490.265,"end":1490.765,"sentiment":"neutral","sentiment_score":0.2010198086500168},{"text":"Yes.","start":1498.73,"end":1499.23,"sentiment":"neutral","sentiment_score":-0.05844747647643089},{"text":"Yep.","start":1506.09,"end":1506.375,"sentiment":"neutral","sentiment_score":-0.03280545771121979}],"sentiment":"neutral","sentiment_score":0.036015722900629044,"num_words":5,"start":1485.3049,"end":1506.375},{"sentences":[{"text":"Yep.","start":1518.455,"end":1518.955,"sentiment":"neutral","sentiment_score":0.2248845547437668},{"text":"No.","start":1520.3899,"end":1520.8899,"sentiment":"neutral","sentiment_score":0.07988720387220383},{"text":"What do you mean?","start":1558.0499,"end":1559.0299,"sentiment":"neutral","sentiment_score":0.042147726751863956},{"text":"Mhmm.","start":1576.275,"end":1576.775,"sentiment":"neutral","sentiment_score":0.013075826689600945},{"text":"Right.","start":1581.2,"end":1581.7,"sentiment":"neutral","sentiment_score":0.04289862513542175}],"sentiment":"neutral","sentiment_score":0.06616713968105614,"num_words":8,"start":1518.455,"end":1581.7},{"sentences":[{"text":"Okay.","start":1582.0,"end":1582.5,"sentiment":"neutral","sentiment_score":0.052461545914411545},{"text":"Even if your other even if one couple is not with you guys, although I think he has walked over to you, but I don't know if he's finished the process.","start":1582.64,"end":1590.5,"sentiment":"neutral","sentiment_score":-0.0065195470928184444},{"text":"But okay.","start":1590.87,"end":1595.865,"sentiment":"neutral","sentiment_score":0.1261058747768402},{"text":"Okay.","start":1603.385,"end":1603.885,"sentiment":"neutral","sentiment_score":0.10637063533067705},{"text":"Yep.","start":1614.38,"end":1614.88,"sentiment":"neutral","sentiment_score":-0.0084900027140975}],"sentiment":"neutral","sentiment_score":0.0055679991168694366,"num_words":36,"start":1582.0,"end":1614.88},{"sentences":[{"text":"Yep.","start":1615.5,"end":1615.66,"sentiment":"neutral","sentiment_score":0.04327337443828583},{"text":"Yep.","start":1615.66,"end":1615.82,"sentiment":"neutral","sentiment_score":0.054026588797569275},{"text":"Yep.","start":1615.82,"end":1616.32,"sentiment":"neutral","sentiment_score":0.06786753982305527},{"text":"Okay.","start":1616.54,"end":1617.04,"sentiment":"neutral","sentiment_score":0.12719856202602386},{"text":"Alright.","start":1617.58,"end":1618.08,"sentiment":"neutral","sentiment_score":0.2643241882324219}],"sentiment":"neutral","sentiment_score":0.11133805066347122,"num_words":5,"start":1615.5,"end":1618.08},{"sentences":[{"text":"So, basically, go through the email you've sent me and fill out all the forms.","start":1618.3,"end":1623.6799,"sentiment":"neutral","sentiment_score":0.09085018162926038},{"text":"Yep.","start":1639.715,"end":1639.92,"sentiment":"neutral","sentiment_score":0.12508361041545868},{"text":"Okay.","start":1640.24,"end":1640.74,"sentiment":"neutral","sentiment_score":0.2823622226715088},{"text":"Great.","start":1640.8,"end":1641.2001,"sentiment":"positive","sentiment_score":0.5930790901184082},{"text":"Thank you.","start":1641.2001,"end":1641.92,"sentiment":"positive","sentiment_score":0.4379098415374756}],"sentiment":"neutral","sentiment_score":0.16195486653596164,"num_words":20,"start":1618.3,"end":1641.92},{"sentences":[{"text":"Yep.","start":1641.92,"end":1642.42,"sentiment":"neutral","sentiment_score":0.1744435429573059},{"text":"Yep.","start":1644.9601,"end":1645.4601,"sentiment":"neutral","sentiment_score":0.13316023349761963},{"text":"And my yep.","start":1645.6001,"end":1646.5801,"sentiment":"neutral","sentiment_score":0.0959857056538264},{"text":"Yep.","start":1648.24,"end":1648.64,"sentiment":"neutral","sentiment_score":0.15504685044288635},{"text":"And my super statement.","start":1648.64,"end":1650.5,"sentiment":"neutral","sentiment_score":0.23910683393478394}],"sentiment":"neutral","sentiment_score":0.17070350795984268,"num_words":10,"start":1641.92,"end":1650.5},{"sentences":[{"text":"Okay.","start":1659.6151,"end":1660.1151,"sentiment":"neutral","sentiment_score":0.32645201683044434},{"text":"Cool.","start":1660.9751,"end":1661.295,"sentiment":"positive","sentiment_score":0.6516675353050232},{"text":"Thank you.","start":1661.295,"end":1662.035,"sentiment":"positive","sentiment_score":0.7391628623008728},{"text":"No.","start":1665.48,"end":1665.64,"sentiment":"neutral","sentiment_score":-0.0613311305642128},{"text":"I don't think so.","start":1665.64,"end":1666.6799,"sentiment":"neutral","sentiment_score":-0.07197539042681456}],"sentiment":"neutral","sentiment_score":0.2341347316073047,"num_words":9,"start":1659.6151,"end":1666.6799},{"sentences":[{"text":"Nope.","start":1666.6799,"end":1667.1799,"sentiment":"neutral","sentiment_score":-0.03715699911117554},{"text":"Oh, so, actually, I was wondering because you know how I can have financial advice through you guys?","start":1668.76,"end":1676.22,"sentiment":"neutral","sentiment_score":0.011860217743863663},{"text":"Because I said that to somebody and they're like, oh, yeah.","start":1677.5599,"end":1680.135,"sentiment":"neutral","sentiment_score":-0.0289054736495018},{"text":"Yeah.","start":1680.135,"end":1680.635,"sentiment":"neutral","sentiment_score":-0.030455298721790314},{"text":"That's just a one off.","start":1680.775,"end":1682.3151,"sentiment":"neutral","sentiment_score":-0.03985552117228508}],"sentiment":"neutral","sentiment_score":-0.010315727623593476,"num_words":36,"start":1666.6799,"end":1682.3151},{"sentences":[{"text":"But how do you guys structure it?","start":1682.855,"end":1684.775,"sentiment":"neutral","sentiment_score":-0.03526211849280766},{"text":"Is it just a one off thing or can it be an ongoing investment advisory?","start":1684.775,"end":1691.8351,"sentiment":"neutral","sentiment_score":-0.019422684485713642},{"text":"Yes.","start":1697.36,"end":1697.86,"sentiment":"neutral","sentiment_score":0.07560968399047852},{"text":"Yep.","start":1705.12,"end":1705.395,"sentiment":"neutral","sentiment_score":0.06126661226153374},{"text":"Yep.","start":1706.515,"end":1707.015,"sentiment":"neutral","sentiment_score":0.0679500624537468}],"sentiment":"neutral","sentiment_score":-0.013333949521183967,"num_words":25,"start":1682.855,"end":1707.015},{"sentences":[{"text":"Okay.","start":1711.555,"end":1712.055,"sentiment":"neutral","sentiment_score":0.08176767826080322},{"text":"Yep.","start":1712.835,"end":1713.335,"sentiment":"neutral","sentiment_score":0.11173377931118011},{"text":"But but not so not with superannuation.","start":1716.595,"end":1719.25,"sentiment":"neutral","sentiment_score":-0.005689300962590745},{"text":"Any other type of investment advice?","start":1719.71,"end":1721.97,"sentiment":"neutral","sentiment_score":0.01348989891509215},{"text":"Right.","start":1737.195,"end":1737.695,"sentiment":"neutral","sentiment_score":0.059587497264146805}],"sentiment":"neutral","sentiment_score":0.01838770259928424,"num_words":16,"start":1711.555,"end":1737.695},{"sentences":[{"text":"Okay.","start":1742.875,"end":1743.375,"sentiment":"neutral","sentiment_score":0.08504913747310638},{"text":"Right.","start":1744.5549,"end":1745.0549,"sentiment":"neutral","sentiment_score":0.08498076349496841},{"text":"Yep.","start":1747.77,"end":1748.09,"sentiment":"neutral","sentiment_score":0.12569504976272583},{"text":"I think so.","start":1748.09,"end":1748.99,"sentiment":"neutral","sentiment_score":0.13585612177848816},{"text":"Okay.","start":1769.195,"end":1769.695,"sentiment":"neutral","sentiment_score":0.1431720107793808}],"sentiment":"neutral","sentiment_score":0.12092361812080656,"num_words":7,"start":1742.875,"end":1769.695},{"sentences":[{"text":"Yep.","start":1769.995,"end":1770.495,"sentiment":"neutral","sentiment_score":0.10852106660604476},{"text":"Thank you.","start":1771.115,"end":1771.935,"sentiment":"positive","sentiment_score":0.4423492103815079},{"text":"Yep.","start":1782.4901,"end":1782.9901,"sentiment":"neutral","sentiment_score":0.15133528411388397},{"text":"Okay.","start":1793.1449,"end":1793.6449,"sentiment":"positive","sentiment_score":0.4221474528312683},{"text":"Cool.","start":1794.105,"end":1794.605,"sentiment":"positive","sentiment_score":0.7618253231048584}],"sentiment":"positive","sentiment_score":0.3880879245698452,"num_words":6,"start":1769.995,"end":1794.605},{"sentences":[{"text":"Thank you.","start":1794.6649,"end":1795.4609,"sentiment":"positive","sentiment_score":0.8321633040904999},{"text":"K.","start":1797.221,"end":1797.721,"sentiment":"neutral","sentiment_score":0.16991417109966278},{"text":"See you.","start":1797.861,"end":1798.601,"sentiment":"positive","sentiment_score":0.3423594906926155}],"sentiment":"positive","sentiment_score":0.5037919521331787,"num_words":5,"start":1794.6649,"end":1798.601}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good morning, Lynn. You've reached Tommy, senior adviser. How are you going this morning?\n\nChannel 1: Thank you.\n\nChannel 0: Great to hear. Great to hear. I must apologize. When I walked out of my meeting, our systems had gone down, and I was trying to send you a text message. Was not going through.\n\nSo I do apologize for being late to our meeting.\n\nChannel 1: Uh-huh. Right. You were trying to send me a text message to say you were gonna be late?\n\nChannel 0: Correct. Just to give you a heads up\n\nChannel 1: Or\n\nChannel 0: that I was\n\nChannel 1: oh,\n\nChannel 0: coming\n\nChannel 1: okay.\n\nChannel 0: out of this meeting and everything was off.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Yeah. I would\n\nChannel 1: That's okay.\n\nChannel 0: never\n\nChannel 1: I'll let you off\n\nChannel 0: leave\n\nChannel 1: the hook\n\nChannel 0: it ten\n\nChannel 1: this\n\nChannel 0: minutes\n\nChannel 1: time.\n\nChannel 0: past the date.\n\nChannel 1: I'll let you off the hook this time.\n\nChannel 0: Sorry? Thank you so much for that. I do appreciate it. I will endeavor to make sure that we've got an alternative if that happens again. Now, Lynn, I've got a few documents to kind of send out to you for your annual review.\n\nWill you be able to look onto the documents with me today, or should I just kind of walk you through what I'm sending?\n\nChannel 1: Possibly. Possibly, yes. I've really only got a half an hour now now, though.\n\nChannel 0: That's perfectly fine. I'll keep it relatively brief for you. And if you would like to then take some time when you've got a moment for the email, that'd be perfect. But I'll make sure I get through everything that we need to in an efficient time for you. Half an hour is plenty.\n\nOh,\n\nChannel 1: Yep.\n\nChannel 0: sorry, Lynn. Do I still\n\nChannel 1: So\n\nChannel 0: have\n\nChannel 1: do\n\nChannel 0: you there?\n\nChannel 1: you so do you want me to have a look at them now? Or\n\nChannel 0: I'll go through the review with you, and I'll make sure it's sent out there. But the main thing I wanted to let you know is that we have included some additional documents than usual.\n\nChannel 1: Okay.\n\nChannel 0: The first one being a external third party authority for for your partner, for for Nathan. We were wondering if you would prefer for him to be able to have access to contact us to gather information on your behalf just so there's a clean communication flow for both of you.\n\nChannel 1: Okay. Well, yeah, there's gonna be a bit of a change of circumstances around that anyway because we're going through separation at the moment.\n\nChannel 0: So don't send that through. Absolutely.\n\nChannel 1: No. Don't send that through.\n\nChannel 0: Alright. Deleting from the pack now before I send it, and that is now gone. Thank you for letting me know. So going through a separation, I do have some information about some previous goals in terms of purchasing homes and properties and things like that. Is everything essentially on hold for you now, or do you have some ideas about where it's going to go?\n\nChannel 1: What do you mean?\n\nChannel 0: Just in terms of personal finances, cash flows, properties, do you know what your plan is for the next three to five years, or do you need to kind of reassess?\n\nChannel 1: Well, not really. So, yeah, there's a bit of there's a bit of stuff going on. So I'm trying\n\nChannel 0: Yep.\n\nChannel 1: to go through separation. Hoping he won't be greedy\n\nChannel 0: Yep. As we always do.\n\nChannel 1: so that I have a house to live in. Yeah. I'm not sure. Nope. I don't know.\n\nI don't really know which direction it's gonna go, but I I will potentially be coming into some money. We've got some properties that not me and my husband, me and my siblings. Property\n\nChannel 0: Yeah.\n\nChannel 1: that was gonna sell.\n\nChannel 0: So everything is pretty well up in the air, and you've had significant changes currently going on, but then more still will become, I'm assuming,\n\nChannel 1: Yep.\n\nChannel 0: later this year, possibly early\n\nChannel 1: Yep.\n\nChannel 0: next year. Okay. So in the holding pattern situation, I do need to flag with you that Nathan's still listed as one of your four beneficiaries for the superannuation alongside Jessica, Paige, and Elizabeth.\n\nChannel 1: Yep.\n\nChannel 0: Would you like me to send some documents to update that, or do you need some time to think?\n\nChannel 1: You know what? Probably don't worry about it at the moment because if I died tomorrow, sure. He can have some of my super because he needs to look after the kids,\n\nChannel 0: Okay.\n\nChannel 1: I\n\nChannel 0: So\n\nChannel 1: guess.\n\nChannel 0: leave the\n\nChannel 1: I\n\nChannel 0: beneficiaries\n\nChannel 1: don't\n\nChannel 0: as they are.\n\nChannel 1: know. Yeah. Just waiting like that at the moment. I have to sort that out later, I guess. Yeah.\n\nBecause I don't know. So I'm gonna need so can you just hold on for one minute?\n\nChannel 0: Of course. Go for it.\n\nChannel 1: K. I'm back.\n\nChannel 0: Perfect. Perfect. So where you were leaving off was just in terms of leaving the beneficiaries alone for the time being\n\nChannel 1: Yeah.\n\nChannel 0: until\n\nChannel 1: Yep. Yep. Just leave it like that anyway. Oh, that's what I I was gonna say. So I can see so for mediation, I'll need because I need the last three years' statements of\n\nChannel 0: Yeah.\n\nChannel 1: my superannuation. Now would I receive that anyway? Already\n\nChannel 0: You may\n\nChannel 1: in my\n\nChannel 0: have\n\nChannel 1: email.\n\nChannel 0: received individually because you do have Super SA and NetWell. But if you'd like, I can put together a pack where Michelle can put all of those together if we do have authority for Super SA. Would\n\nChannel 1: Honestly,\n\nChannel 0: that be\n\nChannel 1: I'm\n\nChannel 0: helpful?\n\nChannel 1: not able to shut that Super SA one, which I thought I did, and then it reopened. There's not much in\n\nChannel 0: Yeah.\n\nChannel 1: that anyway.\n\nChannel 0: Is that $600 in there and 66,000 worth of life and disability insurance? Would you would you like me to close that one and just send through some closing statements and things like that?\n\nChannel 1: Yeah. See, I thought I did close it, but then the department must have opened it up again, the Department of\n\nChannel 0: Yeah.\n\nChannel 1: Education.\n\nChannel 0: And there's\n\nChannel 1: And I\n\nChannel 0: no\n\nChannel 1: do\n\nChannel 0: contributions\n\nChannel 1: have forms.\n\nChannel 0: currently going in. So\n\nChannel 1: Pardon?\n\nChannel 0: there's no current contributions currently going in, so it must have been\n\nChannel 1: No.\n\nChannel 0: possibly like a\n\nChannel 1: I haven't\n\nChannel 0: straggler contribution.\n\nChannel 1: no. Because I haven't it's only, like, if I work every now and then. I'm only on a casual basis with those guys.\n\nChannel 0: Oh. Yep.\n\nChannel 1: Because I work in a childcare center, and we have a kindy attached. And sometimes I need kindy staff. So that's, yeah, that's my work. Well, I did work for a school a few years ago. But yeah.\n\nAnd I and I did get some forms. I've got them here somewhere where I can change my contribution thing with the department, which I need to get on to. But, you know, lots of people are really stuck around that, aren't we? What's\n\nChannel 0: Life gets busy. Do you need me to resend that SGC form out? Would that be helpful\n\nChannel 1: that for?\n\nChannel 0: for the contributions to be redirected? Do you need a, like, a fresh form there, or do you think you have it somewhere?\n\nChannel 1: I don't know. I you guys didn't send it to me last time. I think I got it from my boss at work to say what's the form that you would send me? Is it what\n\nChannel 0: So\n\nChannel 1: I send to the education department for them to put my super in a different fund?\n\nChannel 0: yeah. Each of the funds has a an SGC form that includes all the payment details and reference numbers that they would need to use through the payroll system and accounting. Though each employer also has, like, a manual form that they can give you to fill out yourself, but it's always easier just to get one straight from the fund, I find.\n\nChannel 1: Yes. That'd be great.\n\nChannel 0: K.\n\nChannel 1: Yep.\n\nChannel 0: So I will essentially be putting together just a bit of an updated holding plan to close the Super SA, redirect the contributions, and a couple of things I wanted to run by you just in terms of the portfolios and the insurances before I let you go. But just briefly, Lynn, in terms\n\nChannel 1: Yep.\n\nChannel 0: of the the work setup, we have just gone past end of financial year. Do\n\nChannel 1: Mhmm.\n\nChannel 0: you know who you ended up with for the yearly income combining all sources by any chance?\n\nChannel 1: No. I don't.\n\nChannel 0: So I think we had you at 37,000, which may may be a mix between permanent part time and casual.\n\nChannel 1: I forgot. Hang on. I can find it. My email. Weird.\n\nOnly one came up. You don't need to know my personal.\n\nChannel 0: I've always got an ear to listen. Absolutely.\n\nChannel 1: In my in my my I get my daughter's email so I can monitor that. And it also always my email account always default to her inbox instead of mine.\n\nChannel 0: And then you've gotta switch who's\n\nChannel 1: Oh,\n\nChannel 0: logged\n\nChannel 1: no.\n\nChannel 0: in. Yep.\n\nChannel 1: Yeah. That's alright. That's that. That's muddy. Weed.\n\nStream. July. No. Alright. Sure.\n\nGo on. Maybe she was really organized. Yeah.\n\nChannel 0: Already sorted,\n\nChannel 1: No.\n\nChannel 0: Well, if it would be easier for you, Lynn, do you want me to just kind of leave the financial details as they currently are that we have on file and then go through that little bit of a cleanup with the Super SA and the contributions\n\nChannel 1: What is\n\nChannel 0: and\n\nChannel 1: that?\n\nChannel 0: everything and then update it later?\n\nChannel 1: What do you mean my financial\n\nChannel 0: So in terms of, like, income, cash flow, assets, and liabilities, if they are up for fluctuating potentially, because obviously, we have an income listed on file for the childcare work. We have the the home listed on file as well, bit of cash in an offset account, some shares, cars, and so on. I was gonna possibly update those today if you knew those details.\n\nChannel 1: Yeah. I'm not really here, am I? I wasn't gonna pay for it. Pay period. On the end of the financial year.\n\nChannel 0: Well, that's perfect if it\n\nChannel 1: Could have\n\nChannel 0: encapsulates\n\nChannel 1: a\n\nChannel 0: the\n\nChannel 1: yeah.\n\nChannel 0: the year.\n\nChannel 1: Could have my total income.\n\nChannel 0: Yeah. Like a year to date, if it was like a June 1, it should have a bit\n\nChannel 1: Year\n\nChannel 0: of\n\nChannel 1: to\n\nChannel 0: a\n\nChannel 1: date.\n\nChannel 0: year to date figure.\n\nChannel 1: $17,000. I'm sure I get more than that. Really weird. Got some other stuff. Probably all has to get added up.\n\n17 plus 11. $27.08.\n\nChannel 0: Yeah.\n\nChannel 1: 3.\n\nChannel 0: 28,000 currently.\n\nChannel 1: 3. Oh, yeah. About at a guest? Oh.\n\nChannel 0: Yeah.\n\nChannel 1: All\n\nChannel 0: Yep.\n\nChannel 1: diff\n\nChannel 0: Some rough estimates would be fantastic.\n\nChannel 1: Yeah. Is that what I said last year?\n\nChannel 0: I had 37.\n\nChannel 1: Yep. It would be similar.\n\nChannel 0: Yep. Similar for the time being.\n\nChannel 1: Yes.\n\nChannel 0: In terms of, obviously, the the current situation and cash flow, do you want me to look at any kind of additional contributions, salary sacrifice to super this year, or just kind of put that on on hold for a little while?\n\nChannel 1: No. I don't think so. I don't know. How does superannuation that's kind of an investment. How does that perform in comparison to other investments?\n\nChannel 0: That's a brilliant question. So given the interest rates at the moment, you can earn somewhere between four to 6% just in savings, offsetting mortgages, savings rates, and so on.\n\nChannel 1: Yes.\n\nChannel 0: Once you go above that four to 6%, you can invest into anything in terms of, you know, shares, property, and gold, like growth assets, like your super does. And\n\nChannel 1: Yep.\n\nChannel 0: then you can be aiming for between ten, twelve, 14% average\n\nChannel 1: So what\n\nChannel 0: in this\n\nChannel 1: has\n\nChannel 0: sort of high growth.\n\nChannel 1: what has my super what's the percentage of growth at that time?\n\nChannel 0: So we've had a bit of a change in your portfolio that we did in March. We\n\nChannel 1: Yep.\n\nChannel 0: had so you got eight options. One of them wasn't doing too well. It got to a point where the investment committee did a sweep across all the clients and switched that option out ahead of time just to make sure we're on top of it.\n\nChannel 1: What\n\nChannel 0: That\n\nChannel 1: was that?\n\nChannel 0: new it was a Ben along Australian option. When the market started going crazy with the Iran war, it dipped further than the Australian market did, and it wasn't catching back up. They made a few mistakes. So we switched that one out with a new one, and that one's averaging at around about 12% if I look sort\n\nChannel 1: So\n\nChannel 0: of\n\nChannel 1: sorry.\n\nChannel 0: medium to\n\nChannel 1: What\n\nChannel 0: long term.\n\nChannel 1: what did you switch out? What was it?\n\nChannel 0: The one Australian shares option, which was Benelon, has been switched for something called the a 200 index, which is a lower fee passive replacement for that one.\n\nChannel 1: So what's been along? Do they they diversify or is that a actual company?\n\nChannel 0: Ben Long is a fund manager that specializes in Australian companies. So\n\nChannel 1: Right.\n\nChannel 0: some\n\nChannel 1: Yep.\n\nChannel 0: of your super's in international in America, some's in gold,\n\nChannel 1: Yep.\n\nChannel 0: some's in\n\nChannel 1: Yep.\n\nChannel 0: property.\n\nChannel 1: So\n\nChannel 0: These\n\nChannel 1: the\n\nChannel 0: guys\n\nChannel 1: Australian\n\nChannel 0: are like\n\nChannel 1: so the Australian share market didn't go so well. Yeah.\n\nChannel 0: yes. But this particular fund did worse.\n\nChannel 1: Pardon?\n\nChannel 0: This particular fund did worse than the Australian share market. So if\n\nChannel 1: Okay.\n\nChannel 0: the market dropped 12%, they were down, like, 18, and we made a decision that it wasn't worth waiting for them to catch back up because\n\nChannel 1: Yep.\n\nChannel 0: they didn't show any signs that they were going to. So we had to switch it out for someone who was doing in line with the market.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: part\n\nChannel 1: Fair\n\nChannel 0: of my\n\nChannel 1: enough.\n\nChannel 0: call today is that's already been done. And\n\nChannel 1: Yep.\n\nChannel 0: my double check for you is priority wise, you've got eight years until you can access the super at 60, and the age\n\nChannel 1: Yep.\n\nChannel 0: pension is at 67. Are you still comfortable with that high growth, try and get as much returns as possible, and then when\n\nChannel 1: Alright.\n\nChannel 0: it's built, we protect\n\nChannel 1: Yep.\n\nChannel 0: it?\n\nChannel 1: Yeah. I think so. I know it's pretty volatile at the moment.\n\nChannel 0: Yeah. I needed to sort of run that by you a little bit.\n\nChannel 1: Yeah. I do understand that's pretty volatile at the moment. Like I said, I'm gonna be getting some money, so I wanna kind of diversify out a bit the money that I'm getting into different investments. Yeah. I don't know.\n\nChannel 0: Well, we do do investment advice, but my main question there would be because you can access super after 60 or, like, fully after 65, is there anything that you would want to invest in personally to grow, to use before the age of 60, or is it going to be essentially building for retirement?\n\nChannel 1: That's really good question. I've\n\nChannel 0: You don't\n\nChannel 1: been\n\nChannel 0: have\n\nChannel 1: thinking\n\nChannel 0: to decide today. I just wanted to put that\n\nChannel 1: potentially,\n\nChannel 0: sort of food for\n\nChannel 1: I\n\nChannel 0: thought\n\nChannel 1: could just\n\nChannel 0: in.\n\nChannel 1: I could just require retire. You know how because my dad got a lump sum from the property and the trust thing that we set up, and\n\nChannel 0: Yep.\n\nChannel 1: he just lived off of the interest payments of that, I think, which is\n\nChannel 0: Yeah.\n\nChannel 1: I think we can set up. Is that like a what's that called? So that's a fair high interest thing.\n\nChannel 0: Yeah. You can have, like, the term deposits or or things like that that pay you interest. Credit funds can do that as well. And like I said, once you hit 60, your super can be converted to a pension account that can produce, like, a monthly or fortnightly income out of it as well.\n\nChannel 1: Maybe that's how we had it set up as a pension\n\nChannel 0: That's how\n\nChannel 1: account.\n\nChannel 0: you get the kind of tax free income is basically post 60. You convert your super to an account based pension to retire, and then everything that it earns and everything that it pays out to you is tax free when you retire.\n\nChannel 1: Wow. Right?\n\nChannel 0: So we can we can utilize something\n\nChannel 1: Isn't it?\n\nChannel 0: either through Super to grow it and then retire on it and live off the interest, or you\n\nChannel 1: Yes.\n\nChannel 0: can grow it outside of Super and contribute it in towards the end. Just depends on what you're doing with, like, properties, mortgages, things like that. We have to take that into account too.\n\nChannel 1: Yeah. I don't know what's gonna be happening with the property. I'm not sure.\n\nChannel 0: Would you like me to put in so with this annual review now, I'm basically just trying to clean up the other super funds, the net wealth. If you're comfortable with high growth, I can leave that as is.\n\nChannel 1: Yep.\n\nChannel 0: Would you like me to put in a touch base either before the end of the year or early into the New Year just to see how things are going, how things have changed?\n\nChannel 1: Yeah. Maybe before the end of the year. Yep.\n\nChannel 0: K. So we'll do a bit of a hold on a few things, and I'll put in for someone to contact you in November, and\n\nChannel 1: Yep.\n\nChannel 0: we'll get\n\nChannel 1: Yep.\n\nChannel 0: you booked in before Christmas\n\nChannel 1: Okay.\n\nChannel 0: time. And\n\nChannel 1: Yep.\n\nChannel 0: then if there's any lump sums or changes to assets, I can walk you through some options.\n\nChannel 1: Okay. So if so could I have a couple of statements for the last I'm supposed to provide statements from the last three years last three financial years plus the current statement, which is pretty much I mean, it's not that long since the financial year, is it?\n\nChannel 0: Yeah. But what I can do\n\nChannel 1: Yep.\n\nChannel 0: is we can send the three financial years plus a just a twelve month statement, which captures from today backwards.\n\nChannel 1: Okay. Yeah. That's good. That'll be good. Thank you.\n\nChannel 0: Perfect. I've included in this pack an authority to contact Super SA because it has to be refreshed, And I just wanted to give them a call so I can get a statement from them as well, if that's okay.\n\nChannel 1: Okay.\n\nChannel 0: That way, I can mix it into the plan about consolidating, but can also give you statements so it's all in one email. Now they may take, possibly, worst case scenario, a week or two weeks to accept the authority to get the information. Would it be okay that time frame to get you the full pack of statements, or is it a bit more urgent than that?\n\nChannel 1: What do you mean? In two weeks time, get me the statement?\n\nChannel 0: Yeah. So if if we're trying to hunt down the statement from Super SA, I know it's small, but we may not be able to obtain that tomorrow kind of thing, Netwealth,\n\nChannel 1: Right.\n\nChannel 0: we can send through straightaway.\n\nChannel 1: Yeah. No. Don't worry about waiting for the Super SA one. Look. It's so little.\n\nI can get through\n\nChannel 0: Yep.\n\nChannel 1: the amount that much. Yep.\n\nChannel 0: So I'll\n\nChannel 1: It's that's\n\nChannel 0: I'll\n\nChannel 1: sent\n\nChannel 0: still\n\nChannel 1: to\n\nChannel 0: send\n\nChannel 1: yeah.\n\nChannel 0: the authority\n\nChannel 1: It's sent\n\nChannel 0: for\n\nChannel 1: to\n\nChannel 0: our\n\nChannel 1: the other\n\nChannel 0: purposes,\n\nChannel 1: one.\n\nChannel 0: but I'll send\n\nChannel 1: Yep.\n\nChannel 0: you the other ones.\n\nChannel 1: Yep. Yep. That\n\nChannel 0: And just quickly, Lynn, as well. So for the insurance side of things, you have the 343,000 worth of life and disability insurance through\n\nChannel 1: Okay.\n\nChannel 0: Nails, about $2.5 after the rebate coming out of the super. Given that the situation is in flux, do you wanna do you want me to make sure that I keep that policy in force as is and then review it in November, or would you like me to do some quotes and changes now?\n\nChannel 1: No. Just leave it.\n\nChannel 0: K. So\n\nChannel 1: Thank you.\n\nChannel 0: we'll keep that in force. I'll pencil in to discuss that because there may be some, again, cheaper providers or need to increase or decrease amounts. So\n\nChannel 1: Yes.\n\nChannel 0: I will table that until November.\n\nChannel 1: Yep.\n\nChannel 0: And with the estate planning side of things, I know you're going through, you know, lawyers and mediation and so on. But do you guys have, like, a a will that is in place that you need to update, power\n\nChannel 1: No.\n\nChannel 0: of attorney that you need to update?\n\nChannel 1: I do not have a wheel. Not car\n\nChannel 0: K.\n\nChannel 1: returning. No idea.\n\nChannel 0: I'll put in the reminders for those. Maybe that's something to do after the separation is finalized and property\n\nChannel 1: Yes.\n\nChannel 0: settlement is finalized.\n\nChannel 1: Yep. Yep. Absolutely. Yes. I've been saying\n\nChannel 0: Perfect.\n\nChannel 1: to you, you should do a wheel, but,\n\nChannel 0: Like you\n\nChannel 1: you\n\nChannel 0: said,\n\nChannel 1: know\n\nChannel 0: life gets in the way, and\n\nChannel 1: Another\n\nChannel 0: it's like,\n\nChannel 1: one\n\nChannel 0: do\n\nChannel 1: of\n\nChannel 0: I\n\nChannel 1: those things. Yeah. But\n\nChannel 0: get\n\nChannel 1: it\n\nChannel 0: it to\n\nChannel 1: shouldn't look\n\nChannel 0: to change\n\nChannel 1: terrible.\n\nChannel 0: the provider for this and change the direction of contributions and the wheels, and then there's\n\nChannel 1: Yeah. I know.\n\nChannel 0: schools and bills\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: Then there's\n\nChannel 0: interest\n\nChannel 1: just\n\nChannel 0: rates.\n\nChannel 1: life. Yeah. That's\n\nChannel 0: It's\n\nChannel 1: right.\n\nChannel 0: never ending. Never ending.\n\nChannel 1: No. That's right. Yes. So how did the super go last financial year anyway?\n\nChannel 0: Let me have a little look because, again, it was a bit rough. Not going to lie there. We had to catch a bit of a falling knife, take a bit of blood off of that one, and then move it.\n\nChannel 1: Yep.\n\nChannel 0: We went from pretty flat, to be honest. I'm having\n\nChannel 1: Yep.\n\nChannel 0: a look at it here.\n\nChannel 1: You can.\n\nChannel 0: It hasn't gone down, but it also hasn't jumped up either. It's\n\nChannel 1: Okay.\n\nChannel 0: pretty well\n\nChannel 1: What's\n\nChannel 0: held for twelve months.\n\nChannel 1: it what's it sitting at?\n\nChannel 0: You're sitting at $108,109,000 in net wealth and then the 641 in Super\n\nChannel 1: Sorry. Sorry? How much in 100 and tons?\n\nChannel 0: SA. Sorry.\n\nChannel 1: Thousand.\n\nChannel 0: 108,000\n\nChannel 1: Really? Wow.\n\nChannel 0: and\n\nChannel 1: Well, you guys\n\nChannel 0: six\n\nChannel 1: did\n\nChannel 0: 100\n\nChannel 1: that good job. Well, I was thinking it was around 75. But\n\nChannel 0: no.\n\nChannel 1: I wasn't\n\nChannel 0: It's done very well for a few years. It's\n\nChannel 1: yeah.\n\nChannel 0: just\n\nChannel 1: I had\n\nChannel 0: it's just stalled\n\nChannel 1: yeah.\n\nChannel 0: a little bit. That's\n\nChannel 1: Yeah.\n\nChannel 0: all.\n\nChannel 1: That's fine. Great.\n\nChannel 0: We will continue to set it on its merry way. Like I said, we've already fixed the portfolio up.\n\nChannel 1: Yep.\n\nChannel 0: I don't see any need to change any of the other options.\n\nChannel 1: Yep.\n\nChannel 0: Just need to wait for the world to stop blowing up for a few months, and we should be gone.\n\nChannel 1: Yep. Man, is that gonna happen, or is it just gonna get crazier?\n\nChannel 0: To be honest, I do expect the next three to nine months to be you know how we use the word volatile before? Basically, that just means higher highs, lower lows in a\n\nChannel 1: Yes.\n\nChannel 0: shorter\n\nChannel 1: Yes.\n\nChannel 0: period of time, and\n\nChannel 1: Yes.\n\nChannel 0: then it tends to kind of settle down for another three to five. So there may be some big gains, big losses, and then see how we average\n\nChannel 1: Yep.\n\nChannel 0: out. But I will kind of update you on what's going on in November as well,\n\nChannel 1: Okay.\n\nChannel 0: and then I definitely wanna catch back up mid next year because we'll have a lot more idea then as well.\n\nChannel 1: Yep. Yep.\n\nChannel 0: K? As long as you're okay to hold on to the roller coaster for another twelve months,\n\nChannel 1: Yes.\n\nChannel 0: it'll be very good long term. When you get closer to retirement, I will start to taper off how much you've got exposed to the market, and we'll\n\nChannel 1: Yes.\n\nChannel 0: drop you from, you know, 90% growth to eighty, seventy, sixty, fifty, forty on your way to that pension account.\n\nChannel 1: Yep.\n\nChannel 0: I'll factor in the any inheritance or funds that you receive into that plan as well because if we boost up quicker, we can reduce risk faster.\n\nChannel 1: Yep.\n\nChannel 0: Alright.\n\nChannel 1: No.\n\nChannel 0: I will send you out this pack if you are okay to consent. One thing I will do is because you haven't finalized anything just yet, I would still like to offer you the the couple's rate discount for twelve months, 1.1% for our services. And we are also including you discounted tiered fees for next year as well. So, basically, I would like to keep your discount running for twelve months. And then in twelve months' time, you'll be on a structure that gives you discounts above 200,000 once we get you up to that point as well.\n\nChannel 1: What do you mean?\n\nChannel 0: So, normally, our single client fee structure is 1.65%. For couples, we offer it as 1.1. And next year, we have the tiered fee. So when you have a super balance above 200,000, the\n\nChannel 1: Mhmm.\n\nChannel 0: percentage drops, and then it drops again after 500,000. So\n\nChannel 1: Right. Okay.\n\nChannel 0: I basically\n\nChannel 1: Even\n\nChannel 0: wanna\n\nChannel 1: if your\n\nChannel 0: give you\n\nChannel 1: other even if one couple is not with you guys, although I think he has walked over to you, but I don't know if he's finished the process. But\n\nChannel 0: yeah. We've still got it on there for the discount.\n\nChannel 1: okay.\n\nChannel 0: I would like to run that for at least the next twelve months. Cool. Alright.\n\nChannel 1: Okay.\n\nChannel 0: The other thing too sorry. Just to let you know before you go, there is a tax file number opt in form just to make sure that you're still okay for us to hold that number. It is quite important, so we need your\n\nChannel 1: Yep.\n\nChannel 0: consent.\n\nChannel 1: Yep. Yep. Yep. Okay. Alright.\n\nChannel 0: Beautiful. Any\n\nChannel 1: So, basically,\n\nChannel 0: questions?\n\nChannel 1: go through the email you've sent me and fill out all the forms.\n\nChannel 0: If you can, please. There's only one, two, three to sign out of the seven. The rest can be essentially skipped and for your records, you know, certificates for your insurances and service guides with Oakview Financial.\n\nChannel 1: Yep. Okay. Great. Thank you.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: that should come through to you in the next minute or two\n\nChannel 1: Yep. And my\n\nChannel 0: in\n\nChannel 1: yep.\n\nChannel 0: the interim.\n\nChannel 1: Yep. And my super statement.\n\nChannel 0: Yeah. So I'll do the full pack up. I'll get Michelle to put that together for you today, and you should have that in the next twenty four\n\nChannel 1: Okay. Cool. Thank you.\n\nChannel 0: Awesome, Lynn. Anything else you need before I let you go?\n\nChannel 1: No. I don't think so. Nope.\n\nChannel 0: Just some lottery numbers?\n\nChannel 1: Oh, so, actually, I was wondering because you know how I can have financial advice through\n\nChannel 0: Yes.\n\nChannel 1: you guys? Because I said that to somebody and they're like, oh, yeah. Yeah. That's just a one off. But how do you guys structure it?\n\nIs it just a one off thing or can it be an ongoing investment advisory?\n\nChannel 0: Yeah. We we specialize in ongoing long term care. So\n\nChannel 1: Yes.\n\nChannel 0: the one off is to set everything up. And then after that point, it's to maintain it, update it, review it, and\n\nChannel 1: Yep.\n\nChannel 0: changes your life changes.\n\nChannel 1: Yep.\n\nChannel 0: So that's why whether it's three, six, or twelve month catch ups that you need, we will\n\nChannel 1: Okay.\n\nChannel 0: adapt to you and\n\nChannel 1: Yep.\n\nChannel 0: give you further advice as you need it or incorporated into the fee.\n\nChannel 1: But but not so not with superannuation. Any other type of investment advice?\n\nChannel 0: Correct. So the only thing that we do now is that if we're setting up, like, a large managed fund investment of 5,200,000, whatever it is, we do charge $750 to do the advice and set it up, and\n\nChannel 1: Right.\n\nChannel 0: then it is incorporated alongside the super to be managed.\n\nChannel 1: Okay. Right.\n\nChannel 0: Does that make sense?\n\nChannel 1: Yep. I think so.\n\nChannel 0: I have put in the system there as well that when we catch up next, I won't just talk about the insurances and so on as we'll touch base on how you went with the the settlement, any other funds received, and anything you would like advice wise, and we can go from there. I can give you any advice you\n\nChannel 1: Okay. Yep.\n\nChannel 0: need.\n\nChannel 1: Thank you.\n\nChannel 0: Cool. Have a fantastic end of your week. And as soon as we get these documents back, I'll do the finalized update for Super SA,\n\nChannel 1: Yep.\n\nChannel 0: and we'll send you the statement straight away. In about two weeks' time, I'll just run through that updated plan with you just to get everything cleaned up, and then I've penciled in for November.\n\nChannel 1: Okay. Cool. Thank you.\n\nChannel 0: Awesome, Lynn. See you later.\n\nChannel 1: K. See you.\n\nChannel 0: Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Lynn.","start":1.68,"end":2.56,"sentiment":"positive","sentiment_score":0.4195786416530609},{"text":"You've reached Tommy, senior adviser.","start":2.56,"end":4.24,"sentiment":"positive","sentiment_score":0.39331298470497134},{"text":"How are you going this morning?","start":4.24,"end":5.38,"sentiment":"positive","sentiment_score":0.37646179894606274}],"sentiment":"positive","sentiment_score":0.39171940301145824,"channel":0,"num_words":14,"start":1.68,"end":5.38},{"sentences":[{"text":"Thank you.","start":5.8399997,"end":6.58,"sentiment":"positive","sentiment_score":0.6404273808002472}],"sentiment":"positive","sentiment_score":0.6404273808002472,"channel":1,"num_words":2,"start":5.8399997,"end":6.58},{"sentences":[{"text":"Great to hear.","start":7.52,"end":8.16,"sentiment":"positive","sentiment_score":0.6640723546346029},{"text":"Great to hear.","start":8.16,"end":8.96,"sentiment":"positive","sentiment_score":0.528069535891215},{"text":"I must apologize.","start":9.28,"end":10.5,"sentiment":"neutral","sentiment_score":-0.14081907520691553},{"text":"When I walked out of my meeting, our systems had gone down, and I was trying to send you a text message.","start":10.88,"end":17.664999,"sentiment":"neutral","sentiment_score":-0.29192835837602615},{"text":"Was not going through.","start":18.525,"end":19.564999,"sentiment":"negative","sentiment_score":-0.3433672860264778}],"sentiment":"neutral","sentiment_score":-0.13262641664062227,"channel":0,"num_words":35,"start":7.52,"end":19.564999},{"sentences":[{"text":"So I do apologize for being late to our meeting.","start":19.564999,"end":21.904999,"sentiment":"negative","sentiment_score":-0.35624920576810837}],"sentiment":"negative","sentiment_score":-0.35624920576810837,"channel":0,"num_words":10,"start":19.564999,"end":21.904999},{"sentences":[{"text":"Uh-huh.","start":22.494999,"end":22.654999,"sentiment":"neutral","sentiment_score":-0.1225586161017418},{"text":"Right.","start":22.654999,"end":23.154999,"sentiment":"neutral","sentiment_score":-0.10027678310871124},{"text":"You were trying to send me a text message to say you were gonna be late?","start":23.775,"end":27.634998,"sentiment":"neutral","sentiment_score":-0.1596287819556892}],"sentiment":"neutral","sentiment_score":-0.15427199502786001,"channel":1,"num_words":18,"start":22.494999,"end":27.634998},{"sentences":[{"text":"Correct.","start":28.08,"end":28.4,"sentiment":"neutral","sentiment_score":-0.05493432283401489},{"text":"Just to give you a heads up","start":28.4,"end":29.94,"sentiment":"neutral","sentiment_score":-0.05575502983161381}],"sentiment":"neutral","sentiment_score":-0.05565244145691395,"channel":0,"num_words":8,"start":28.08,"end":29.94},{"sentences":[{"text":"Or","start":30.06,"end":30.273333,"sentiment":"neutral","sentiment_score":-0.06784188747406006}],"sentiment":"neutral","sentiment_score":-0.06784188747406006,"channel":1,"num_words":1,"start":30.06,"end":30.273333},{"sentences":[{"text":"that I 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and","start":1048.405,"end":1056.32,"sentiment":"neutral","sentiment_score":0.12518013615838505}],"sentiment":"neutral","sentiment_score":0.08427112114926179,"channel":1,"num_words":27,"start":1046.405,"end":1056.32},{"sentences":[{"text":"Yep.","start":1056.0751,"end":1056.5751,"sentiment":"neutral","sentiment_score":0.15023690462112427}],"sentiment":"neutral","sentiment_score":0.15023690462112427,"channel":0,"num_words":1,"start":1056.0751,"end":1056.5751},{"sentences":[{"text":"he just lived off of the interest payments of that, I think, which 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whether it's three, six, or twelve month catch ups that you need, we will","start":1706.6299,"end":1711.915,"sentiment":"neutral","sentiment_score":0.06320995596401832}],"sentiment":"neutral","sentiment_score":0.06320995596401832,"channel":0,"num_words":17,"start":1706.6299,"end":1711.915},{"sentences":[{"text":"Okay.","start":1711.555,"end":1712.055,"sentiment":"neutral","sentiment_score":0.08176767826080322}],"sentiment":"neutral","sentiment_score":0.08176767826080322,"channel":1,"num_words":1,"start":1711.555,"end":1712.055},{"sentences":[{"text":"adapt to you and","start":1711.915,"end":1712.9551,"sentiment":"neutral","sentiment_score":0.11393402144312859}],"sentiment":"neutral","sentiment_score":0.11393402144312859,"channel":0,"num_words":4,"start":1711.915,"end":1712.9551},{"sentences":[{"text":"Yep.","start":1712.835,"end":1713.335,"sentiment":"neutral","sentiment_score":0.11173377931118011}],"sentiment":"neutral","sentiment_score":0.11173377931118011,"channel":1,"num_words":1,"start":1712.835,"end":1713.335},{"sentences":[{"text":"give you further advice as you need it or incorporated into the fee.","start":1712.9551,"end":1716.495,"sentiment":"neutral","sentiment_score":0.09151937096164776}],"sentiment":"neutral","sentiment_score":0.09151937096164776,"channel":0,"num_words":13,"start":1712.9551,"end":1716.495},{"sentences":[{"text":"But but not so not with superannuation.","start":1716.595,"end":1719.25,"sentiment":"neutral","sentiment_score":-0.005689300962590745},{"text":"Any other type of investment advice?","start":1719.71,"end":1721.97,"sentiment":"neutral","sentiment_score":0.01348989891509215}],"sentiment":"neutral","sentiment_score":0.003162637442493668,"channel":1,"num_words":13,"start":1716.595,"end":1721.97},{"sentences":[{"text":"Correct.","start":1724.395,"end":1724.795,"sentiment":"neutral","sentiment_score":0.08543900400400162},{"text":"So the only thing that we do now is that if we're setting up, like, a large managed fund investment of 5,200,000, whatever it is, we do charge $750 to do the advice and set it up, and","start":1724.795,"end":1737.28,"sentiment":"neutral","sentiment_score":0.061277085327004134}],"sentiment":"neutral","sentiment_score":0.0618966217033374,"channel":0,"num_words":39,"start":1724.395,"end":1737.28},{"sentences":[{"text":"Right.","start":1737.195,"end":1737.695,"sentiment":"neutral","sentiment_score":0.059587497264146805}],"sentiment":"neutral","sentiment_score":0.059587497264146805,"channel":1,"num_words":1,"start":1737.195,"end":1737.695},{"sentences":[{"text":"then it is incorporated alongside the super to be managed.","start":1737.28,"end":1741.035,"sentiment":"neutral","sentiment_score":0.052129029482603076}],"sentiment":"neutral","sentiment_score":0.052129029482603076,"channel":0,"num_words":10,"start":1737.28,"end":1741.035},{"sentences":[{"text":"Okay.","start":1742.875,"end":1743.375,"sentiment":"neutral","sentiment_score":0.08504913747310638},{"text":"Right.","start":1744.5549,"end":1745.0549,"sentiment":"neutral","sentiment_score":0.08498076349496841}],"sentiment":"neutral","sentiment_score":0.0850149504840374,"channel":1,"num_words":2,"start":1742.875,"end":1745.0549},{"sentences":[{"text":"Does that make sense?","start":1745.435,"end":1746.415,"sentiment":"neutral","sentiment_score":0.0843235831707716}],"sentiment":"neutral","sentiment_score":0.0843235831707716,"channel":0,"num_words":4,"start":1745.435,"end":1746.415},{"sentences":[{"text":"Yep.","start":1747.77,"end":1748.09,"sentiment":"neutral","sentiment_score":0.12569504976272583},{"text":"I think so.","start":1748.09,"end":1748.99,"sentiment":"neutral","sentiment_score":0.13585612177848816}],"sentiment":"neutral","sentiment_score":0.13331585377454758,"channel":1,"num_words":4,"start":1747.77,"end":1748.99},{"sentences":[{"text":"I have put in the system there as well that when we catch up next, I won't just talk about the insurances and so on as we'll touch base on how you went with the the settlement, any other funds received, and anything you would like advice wise, and we can go from there.","start":1751.8351,"end":1767.45,"sentiment":"neutral","sentiment_score":0.12474936688387836},{"text":"I can give you any advice you","start":1767.45,"end":1768.695,"sentiment":"neutral","sentiment_score":0.1422453841992787}],"sentiment":"neutral","sentiment_score":0.12675710657580955,"channel":0,"num_words":61,"start":1751.8351,"end":1768.695},{"sentences":[{"text":"Okay.","start":1769.195,"end":1769.695,"sentiment":"neutral","sentiment_score":0.1431720107793808},{"text":"Yep.","start":1769.995,"end":1770.495,"sentiment":"neutral","sentiment_score":0.10852106660604476}],"sentiment":"neutral","sentiment_score":0.12584653869271278,"channel":1,"num_words":2,"start":1769.195,"end":1770.495},{"sentences":[{"text":"need.","start":1771.0149,"end":1771.5149,"sentiment":"neutral","sentiment_score":0.12891893088817596}],"sentiment":"neutral","sentiment_score":0.12891893088817596,"channel":0,"num_words":1,"start":1771.0149,"end":1771.5149},{"sentences":[{"text":"Thank you.","start":1771.115,"end":1771.935,"sentiment":"positive","sentiment_score":0.4423492103815079}],"sentiment":"positive","sentiment_score":0.4423492103815079,"channel":1,"num_words":2,"start":1771.115,"end":1771.935},{"sentences":[{"text":"Cool.","start":1772.5349,"end":1773.0349,"sentiment":"neutral","sentiment_score":0.08257057517766953},{"text":"Have a fantastic end of your week.","start":1773.335,"end":1776.215,"sentiment":"positive","sentiment_score":0.8575907008988517},{"text":"And as soon as we get these documents back, I'll do the finalized update for Super SA,","start":1776.215,"end":1781.85,"sentiment":"neutral","sentiment_score":0.3121342825538972}],"sentiment":"positive","sentiment_score":0.4556795313954353,"channel":0,"num_words":25,"start":1772.5349,"end":1781.85},{"sentences":[{"text":"Yep.","start":1782.4901,"end":1782.9901,"sentiment":"neutral","sentiment_score":0.15133528411388397}],"sentiment":"neutral","sentiment_score":0.15133528411388397,"channel":1,"num_words":1,"start":1782.4901,"end":1782.9901},{"sentences":[{"text":"and we'll send you the statement straight away.","start":1783.0499,"end":1785.07,"sentiment":"positive","sentiment_score":0.3435669541358948},{"text":"In about two weeks' time, I'll just run through that updated plan with you just to get everything cleaned up, and then I've penciled in for November.","start":1785.2899,"end":1792.3708,"sentiment":"neutral","sentiment_score":0.198187208837933}],"sentiment":"neutral","sentiment_score":0.23141686490603855,"channel":0,"num_words":35,"start":1783.0499,"end":1792.3708},{"sentences":[{"text":"Okay.","start":1793.1449,"end":1793.6449,"sentiment":"positive","sentiment_score":0.4221474528312683},{"text":"Cool.","start":1794.105,"end":1794.605,"sentiment":"positive","sentiment_score":0.7618253231048584},{"text":"Thank you.","start":1794.6649,"end":1795.4609,"sentiment":"positive","sentiment_score":0.8321633040904999}],"sentiment":"positive","sentiment_score":0.7120748460292816,"channel":1,"num_words":4,"start":1793.1449,"end":1795.4609},{"sentences":[{"text":"Awesome, Lynn.","start":1795.7909,"end":1796.4309,"sentiment":"positive","sentiment_score":0.8399510383605957},{"text":"See you later.","start":1796.4309,"end":1797.2509,"sentiment":"positive","sentiment_score":0.6815241972605387}],"sentiment":"positive","sentiment_score":0.7448949337005615,"channel":0,"num_words":5,"start":1795.7909,"end":1797.2509},{"sentences":[{"text":"K.","start":1797.221,"end":1797.721,"sentiment":"neutral","sentiment_score":0.16991417109966278},{"text":"See you.","start":1797.861,"end":1798.601,"sentiment":"positive","sentiment_score":0.3423594906926155}],"sentiment":"neutral","sentiment_score":0.2848777174949646,"channel":1,"num_words":3,"start":1797.221,"end":1798.601},{"sentences":[{"text":"Thanks.","start":1798.6709,"end":1799.1709,"sentiment":"positive","sentiment_score":0.6398568153381348},{"text":"Bye.","start":1799.2308,"end":1799.7308,"sentiment":"neutral","sentiment_score":-0.11635662615299223}],"sentiment":"neutral","sentiment_score":0.26175009459257126,"channel":0,"num_words":2,"start":1798.6709,"end":1799.7308}]},"summary":{"result":"success","short":"The speaker discusses sending a text message to Lynn but was unable to do so, apologizes for being late, and sends additional documents for her annual review. They update personal information and discuss work setup and updating financial details for the Super SA. The conversation also covers retirement plans, updating the financial details, and updating the beneficiaries and closing documents. The speaker discusses the risk of the Australian share market going down and the possibility of investing in gold or property, and offers a discounted rate for the next 12 months. They also discuss updating their life insurance policy and updating their policy. The conversation ends with instructions for filling out forms and promising more updates on the plan in a few weeks."},"intents":{"segments":[{"text":"I must apologize. When I walked out of my meeting, our systems had gone down, and I was trying to send you a text message. Was not going through. So I do apologize for being late to our meeting.","start_word":22,"end_word":60,"intents":[{"intent":"Apologize for lateness","confidence_score":0.13017258}]},{"text":"Now, Lynn, I've got a few documents to kind of send out to you for your annual review. Will you be able to look onto the documents with me today, or should I just kind of walk you through what I'm sending? Possibly.","start_word":160,"end_word":202,"intents":[{"intent":"Provide update on documents","confidence_score":0.0020906003},{"intent":"Send out documents","confidence_score":0.000016139062}]},{"text":"I have to sort that out later, I guess.","start_word":748,"end_word":756,"intents":[{"intent":"Sort out","confidence_score":0.04491262}]},{"text":"So where you were leaving off was just in terms of leaving the beneficiaries alone for the time being until Yeah.","start_word":785,"end_word":805,"intents":[{"intent":"Leave beneficiaries alone","confidence_score":0.10394497}]},{"text":"So I can see so for mediation, I'll need because I need the last three years' statements of Yeah.","start_word":822,"end_word":840,"intents":[{"intent":"Complete mediation","confidence_score":0.015987433}]},{"text":"Is that $600 in there and 66,000 worth of life and disability insurance? Would you would you like me to close that one and just send through some closing statements and things like that? Yeah.","start_word":922,"end_word":956,"intents":[{"intent":"Request payments","confidence_score":0.000118489115}]},{"text":"Is that $600 in there and 66,000 worth of life and disability insurance? Would you would you like me to close that one and just send through some closing statements and things like that? Yeah. See, I thought I did close it, but then the department must have opened it up again, the Department of Yeah. Education. And there's And I no do contributions have forms. currently going in.","start_word":922,"end_word":990,"intents":[{"intent":"Address contributions","confidence_score":0.00027839348}]},{"text":"Would you would you like me to close that one and just send through some closing statements and things like that? Yeah.","start_word":935,"end_word":956,"intents":[{"intent":"Close super sa","confidence_score":0.23483197}]},{"text":"See, I thought I did close it, but then the department must have opened it up again, the Department of Yeah. Education.","start_word":957,"end_word":978,"intents":[{"intent":"Open department of yeah","confidence_score":0.031203222}]},{"text":"Because I haven't it's only, like, if I work every now and then. I'm only on a casual basis with those guys. Oh. Yep.","start_word":1014,"end_word":1037,"intents":[{"intent":"Work casually","confidence_score":0.0074003874}]},{"text":"I've got them here somewhere where I can change my contribution thing with the department, which I need to get on to.","start_word":1084,"end_word":1105,"intents":[{"intent":"Update contribution","confidence_score":0.10221624}]},{"text":"Do you need me to resend that SGC form out? Would that be helpful that for?","start_word":1123,"end_word":1138,"intents":[{"intent":"Resend forms","confidence_score":0.17774448}]},{"text":"Do you need me to resend that SGC form out? Would that be helpful that for? for the contributions to be redirected? Do you need a, like, a fresh form there, or do you think you have it somewhere?","start_word":1123,"end_word":1161,"intents":[{"intent":"Ensure form is redirected","confidence_score":0.00049775466}]},{"text":"So I will essentially be putting together just a bit of an updated holding plan to close the Super SA, redirect the contributions, and a couple of things I wanted to run by you just in terms of the portfolios and the insurances before I let you go.","start_word":1284,"end_word":1331,"intents":[{"intent":"Update holding plan","confidence_score":0.31358764},{"intent":"Run program","confidence_score":0.000052458792},{"intent":"Obtain portfolio information","confidence_score":0.004072031}]},{"text":"I can find it. My email.","start_word":1399,"end_word":1404,"intents":[{"intent":"Find email","confidence_score":0.26593658}]},{"text":"Well, if it would be easier for you, Lynn, do you want me to just kind of leave the financial details as they currently are that we have on file and then go through that little bit of a cleanup with the Super SA and the contributions What is and that?","start_word":1490,"end_word":1540,"intents":[{"intent":"Manage finances","confidence_score":0.11006939}]},{"text":"So given the interest rates at the moment, you can earn somewhere between four to 6% just in savings, offsetting mortgages, savings rates, and so on.","start_word":1827,"end_word":1852,"intents":[{"intent":"Discuss investment options","confidence_score":0.0251723}]},{"text":"of your super's in international in America, some's in gold, Yep. some's in Yep. property. So These the guys Australian are like so the Australian share market didn't go so well. Yeah.","start_word":2117,"end_word":2148,"intents":[{"intent":"Analyze fund performance","confidence_score":0.029492078}]},{"text":"I think we can set up. Is that like a what's that called?","start_word":2488,"end_word":2500,"intents":[{"intent":"Set up plan","confidence_score":0.0003785334}]},{"text":"So if so could I have a couple of statements for the last I'm supposed to provide statements from the last three years last three financial years plus the current statement, which is pretty much I mean, it's not that long since the financial year, is it? Yeah.","start_word":2837,"end_word":2884,"intents":[{"intent":"Provide statements","confidence_score":0.262157},{"intent":"Provide statement","confidence_score":0.004783183}]},{"text":"So if so could I have a couple of statements for the last I'm supposed to provide statements from the last three years last three financial years plus the current statement, which is pretty much I mean, it's not that long since the financial year, is it? Yeah. But what I can do Yep. is we can send the three financial years plus a just a twelve month statement, which captures from today backwards. Okay. Yeah.","start_word":2837,"end_word":2912,"intents":[{"intent":"Send statements","confidence_score":0.093920164}]},{"text":"But what I can do Yep. is we can send the three financial years plus a just a twelve month statement, which captures from today backwards. Okay.","start_word":2885,"end_word":2911,"intents":[{"intent":"Accept statement","confidence_score":0.004542495}]},{"text":"That way, I can mix it into the plan about consolidating, but can also give you statements so it's all in one email. Now they may take, possibly, worst case scenario, a week or two weeks to accept the authority to get the information. Would it be okay that time frame to get you the full pack of statements, or is it a bit more urgent than that? What do you mean?","start_word":2961,"end_word":3032,"intents":[{"intent":"Consolidate information","confidence_score":0.0033951139}]},{"text":"Given that the situation is in flux, do you wanna do you want me to make sure that I keep that policy in force as is and then review it in November, or would you like me to do some quotes and changes now? No. Just leave it.","start_word":3173,"end_word":3220,"intents":[{"intent":"Review policy","confidence_score":0.11513141}]},{"text":"I will table that until November. Yep.","start_word":3252,"end_word":3258,"intents":[{"intent":"Update will","confidence_score":0.006391721}]},{"text":"And with the estate planning side of things, I know you're going through, you know, lawyers and mediation and so on. But do you guys have, like, a a will that is in place that you need to update, power No. of attorney that you need to update?","start_word":3259,"end_word":3306,"intents":[{"intent":"Share estate planning","confidence_score":0.00013264344}]},{"text":"I'll put in the reminders for those. Maybe that's something to do after the separation is finalized and property Yes. settlement is finalized.","start_word":3319,"end_word":3341,"intents":[{"intent":"Remind about power changes","confidence_score":0.004415383}]},{"text":"So how did the super go last financial year anyway?","start_word":3431,"end_word":3440,"intents":[{"intent":"Discuss retirement","confidence_score":0.013103386},{"intent":"Share financial year","confidence_score":0.021646017}]},{"text":"To be honest, I do expect the next three to nine months to be you know how we use the word volatile before?","start_word":3667,"end_word":3689,"intents":[{"intent":"Forecast future plans","confidence_score":0.001673979}]},{"text":"One thing I will do is because you haven't finalized anything just yet, I would still like to offer you the the couple's rate discount for twelve months, 1.1% for our services.","start_word":3888,"end_word":3919,"intents":[{"intent":"Offer rate discount","confidence_score":0.48994705},{"intent":"Offer discount","confidence_score":0.2828958},{"intent":"Offer discount","confidence_score":0.30512357},{"intent":"Offer discount","confidence_score":0.23305489},{"intent":"Offer rates","confidence_score":0.0064873626}]},{"text":"There's only one, two, three to sign out of the seven. The rest can be essentially skipped and for your records, you know, certificates for your insurances and service guides with Oakview Financial. Yep.","start_word":4162,"end_word":4195,"intents":[{"intent":"Offer service guides","confidence_score":0.00087581325}]},{"text":"Oh, so, actually, I was wondering because you know how I can have financial advice through Yes.","start_word":4279,"end_word":4295,"intents":[{"intent":"Request financial advice","confidence_score":0.08565071}]}]},"sentiments":{"segments":[{"text":"Good morning, Lynn. You've reached Tommy, senior adviser. How are you going this morning? Thank you. Great to hear. Great to hear.","start_word":0,"end_word":21,"sentiment":"positive","sentiment_score":0.4617155790328979},{"text":"I must apologize. When I walked out of my meeting, our systems had gone down, and I was trying to send you a text message.","start_word":22,"end_word":46,"sentiment":"neutral","sentiment_score":-0.26670584082603455},{"text":"Was not going through. So I do apologize for being late to our meeting.","start_word":47,"end_word":60,"sentiment":"negative","sentiment_score":-0.3467303514480591},{"text":"Uh-huh. Right. You were trying to send me a text message to say you were gonna be late? Correct. Just to give you a heads up Or that I was oh, coming okay. out of this meeting and everything was off. Yep. No worries. Yeah. I would That's okay. never I'll let you off leave the hook it ten this minutes time. past the date. I'll let you off the hook this time. Sorry?","start_word":61,"end_word":134,"sentiment":"neutral","sentiment_score":-0.13454635441303253},{"text":"Thank you so much for that. I do appreciate it.","start_word":135,"end_word":144,"sentiment":"positive","sentiment_score":0.5685809850692749},{"text":"I will endeavor to make sure that we've got an alternative if that happens again. Now, Lynn, I've got a few documents to kind of send out to you for your annual review. Will you be able to look onto the documents with me today, or should I just kind of walk you through what I'm sending? Possibly. Possibly, yes. I've really only got a half an hour now now, though. That's perfectly fine. I'll keep it relatively brief for you. And if you would like to then take some time when you've got a moment for the email, that'd be perfect. But I'll make sure I get through everything that we need to in an efficient time for you. Half an hour is plenty. Oh, Yep. sorry, Lynn. Do I still So have do you there? you so do you want me to have a look at them now? Or I'll go through the review with you, and I'll make sure it's sent out there. But the main thing I wanted to let you know is that we have included some additional documents than usual. Okay. The first one being a external third party authority for for your partner, for for Nathan. We were wondering if you would prefer for him to be able to have access to contact us to gather information on your behalf just so there's a clean communication flow for both of you. Okay. Well, yeah, there's gonna be a bit of a change of circumstances around that anyway because we're going through separation at the moment. So don't send that through. Absolutely.","start_word":145,"end_word":412,"sentiment":"neutral","sentiment_score":0.0775076265710948},{"text":"No.","start_word":413,"end_word":413,"sentiment":"negative","sentiment_score":-0.3607079982757568},{"text":"Don't send that through. Alright. Deleting from the pack now before I send it, and that is now gone.","start_word":414,"end_word":432,"sentiment":"neutral","sentiment_score":-0.21203461289405823},{"text":"Thank you for letting me know.","start_word":433,"end_word":438,"sentiment":"positive","sentiment_score":0.515189528465271},{"text":"So going through a separation, I do have some information about some previous goals in terms of purchasing homes and properties and things like that. Is everything essentially on hold for you now, or do you have some ideas about where it's going to go? What do you mean? Just in terms of personal finances, cash flows, properties, do you know what your plan is for the next three to five years, or do you need to kind of reassess? Well, not really. So, yeah, there's a bit of there's a bit of stuff going on. So I'm trying Yep. to go through separation. Hoping he won't be greedy Yep. As we always do. so that I have a house to live in. Yeah. I'm not sure. Nope. I don't know. I don't really know which direction it's gonna go, but I I will potentially be coming into some money. We've got some properties that not me and my husband, me and my siblings. Property Yeah. that was gonna sell. So everything is pretty well up in the air, and you've had significant changes currently going on, but then more still will become, I'm assuming, Yep. later this year, possibly early Yep. next year. Okay. So in the holding pattern situation, I do need to flag with you that Nathan's still listed as one of your four beneficiaries for the superannuation alongside Jessica, Paige, and Elizabeth. Would Yep. you like me to send some documents to update that, or do you need some time to think? You know what? Probably don't worry about it at the moment because if I died tomorrow, sure. He can have some of my super because he needs to look after the kids, Okay. I So guess. leave the I beneficiaries don't as they are. know. Yeah. Just waiting like that at the moment. I have to sort that out later, I guess. Yeah. Because I don't know. So I'm gonna need so can you just hold on for one minute? Of course. Go for it. K. I'm back.","start_word":439,"end_word":782,"sentiment":"neutral","sentiment_score":-0.05867929681918995},{"text":"Perfect. Perfect.","start_word":783,"end_word":784,"sentiment":"positive","sentiment_score":0.6158650517463684},{"text":"So where you were leaving off was just in terms of leaving the beneficiaries alone for the time being until Yeah. Yep. Yep. Just leave it like that anyway. Oh, that's what I I was gonna say. So I can see so for mediation, I'll need because I need the last three years' statements of Yeah. my superannuation. Now would I receive that anyway? Already You may in my have email. received individually because you do have Super SA and NetWell. But if you'd like, I can put together a pack where Michelle can put all of those together if we do have authority for Super SA. Would Honestly, that be I'm helpful? not able to shut that Super SA one, which I thought I did, and then it reopened. There's not much Yeah. in that anyway. Is that $600 in there and 66,000 worth of life and disability insurance? Would you would you like me to close that one and just send through some closing statements and things like that? Yeah. See, I thought I did close it, but then the department must have opened it up again, the Department of Yeah. Education. And there's And I no do contributions have forms. currently going in. So Pardon? there's no current contributions currently going in, so it must have been No.","start_word":785,"end_word":1005,"sentiment":"neutral","sentiment_score":-0.0472567155957222},{"text":"possibly like a I haven't straggler contribution.","start_word":1006,"end_word":1012,"sentiment":"negative","sentiment_score":-0.3868168592453003},{"text":"no. Because I haven't it's only, like, if I work every now and then. I'm only on a casual basis with those guys. Oh. Yep. Because I work in a childcare center, and we have a kindy attached. And sometimes I need kindy staff. So that's, yeah, that's my work. Well, I did work for a school a few years ago. But yeah. And I and I did get some forms. I've got them here somewhere where I can change my contribution thing with the department, which I need to get on to. But, you know, lots of people are really stuck around that, aren't we? What's Life gets busy. Do you need me to resend that SGC form out? Would that be helpful that for? for the contributions to be redirected? Do you need a, like, a fresh form there, or do you think you have it somewhere? I don't know. I you guys didn't send it to me last time. I think I got it from my boss at work to say what's the form that you would send me? Is it what So I send to the education department for them to put my super in a different fund? yeah. Each of the funds has a an SGC form that includes all the payment details and reference numbers that they would need to use through the payroll system and accounting. Though each employer also has, like, a manual form that they can give you to fill out yourself, but it's always easier just to get one straight from the fund, I find. Yes.","start_word":1013,"end_word":1278,"sentiment":"neutral","sentiment_score":-0.01724757867098499},{"text":"That'd be great.","start_word":1279,"end_word":1281,"sentiment":"positive","sentiment_score":0.5003496408462524},{"text":"K. Yep. So I will essentially be putting together just a bit of an updated holding plan to close the Super SA, redirect the contributions, and a couple of things I wanted to run by you just in terms of the portfolios and the insurances before I let you go. But just briefly, Lynn, in terms Yep. of the the work setup, we have just gone past end of financial year. Do Mhmm. you know who you ended up with for the yearly income combining all sources by any chance? No. I don't. So I think we had you at 37,000, which may may be a mix between permanent part time and casual. I forgot. Hang on. I can find it. My email. Weird. Only one came up. You don't need to know my personal. I've always got an ear to listen.","start_word":1282,"end_word":1423,"sentiment":"neutral","sentiment_score":0.038402663753695894},{"text":"Absolutely.","start_word":1424,"end_word":1424,"sentiment":"positive","sentiment_score":0.3821786940097809},{"text":"In my in my my I get my daughter's email so I can monitor that. And it also always my email account always default to her inbox instead of mine. And then you've gotta switch who's Oh, logged no. in. Yep. Yeah. That's alright.","start_word":1425,"end_word":1468,"sentiment":"neutral","sentiment_score":0.016040969640016556},{"text":"That's that. That's muddy.","start_word":1469,"end_word":1472,"sentiment":"negative","sentiment_score":-0.4953220784664154},{"text":"Weed. Stream. July. No. Alright. Sure. Go on. Maybe she was really organized. Yeah. Already sorted, No. Well, if it would be easier for you, Lynn, do you want me to just kind of leave the financial details as they currently are that we have on file and then go through that little bit of a cleanup with the Super SA and the contributions What is and that? everything and then update it later? What do you mean my financial So in terms of, like, income, cash flow, assets, and liabilities, if they are up for fluctuating potentially, because obviously, we have an income listed on file for the childcare work. We have the the home listed on file as well, bit of cash in an offset account, some shares, cars, and so on. I was gonna possibly update those today if you knew those details. Yeah. I'm not really here, am I? I wasn't gonna pay for it. Pay period. On the end of the financial year. Well, that's perfect if it Could have encapsulates a the yeah. the year. Could have my total income. Yeah. Like a year to date, if it was like a June 1, it should have a bit Year of to a date. year to date figure. $17,000. I'm sure I get more than that. Really weird. Got some other stuff. Probably all has to get added up. 17 plus 11. $27.08. Yeah. 3. 28,000 currently. 3. Oh, yeah. About at a guest? Oh. Yeah. All Yep. diff Some rough estimates would be fantastic. Yeah. Is that what I said last year? I had 37. Yep. It would be similar. Yep. Similar for the time being. Yes. In terms of, obviously, the the current situation and cash flow, do you want me to look at any kind of additional contributions, salary sacrifice to super this year, or just kind of put that on on hold for a little while? No. I don't think so. I don't know. How does superannuation that's kind of an investment. How does that perform in comparison to other investments?","start_word":1473,"end_word":1822,"sentiment":"neutral","sentiment_score":-0.0038976293465488457},{"text":"That's a brilliant question.","start_word":1823,"end_word":1826,"sentiment":"positive","sentiment_score":0.6208457946777344},{"text":"So given the interest rates at the moment, you can earn somewhere between four to 6% just in savings, offsetting mortgages, savings rates, and so on. Yes. Once you go above that four to 6%, you can invest into anything in terms of, you know, shares, property, and gold, like growth assets, like your super does. And Yep. then you can be aiming for between ten, twelve, 14% average So what in this has sort of high growth. what has my super what's the percentage of growth at that time? So we've had a bit of a change in your portfolio that we did in March. We Yep. had so you got eight options. One of them wasn't doing too well. It got to a point where the investment committee did a sweep across all the clients and switched that option out ahead of time just to make sure we're on top of it. What That was that? new it was a Ben along Australian option. When the market started going crazy with the Iran war, it dipped further than the Australian market did, and it wasn't catching back up. They made a few mistakes. So we switched that one out with a new one, and that one's averaging at around about 12% if I look sort So of sorry. medium to What long term. what did you switch out? What was it? The one Australian shares option, which was Benelon, has been switched for something called the a 200 index, which is a lower fee passive replacement for that one. So what's been along? Do they they diversify or is that a actual company? Ben Long is a fund manager that specializes in Australian companies. So Right. some Yep. of your super's in international in America, some's in gold, Yep. some's in Yep. property. So These the guys Australian are like so the Australian share market didn't go so well. Yeah. yes.","start_word":1827,"end_word":2149,"sentiment":"neutral","sentiment_score":0.01406245961231713},{"text":"But this particular fund did worse.","start_word":2150,"end_word":2155,"sentiment":"negative","sentiment_score":-0.53556227684021},{"text":"Pardon?","start_word":2156,"end_word":2156,"sentiment":"neutral","sentiment_score":-0.2802424728870392},{"text":"This particular fund did worse than the Australian share market.","start_word":2157,"end_word":2166,"sentiment":"negative","sentiment_score":-0.505138099193573},{"text":"So if Okay.","start_word":2167,"end_word":2169,"sentiment":"neutral","sentiment_score":-0.23978029191493988},{"text":"the market dropped 12%, they were down, like, 18, and we made a decision that it wasn't worth waiting for them to catch back up because Yep. they didn't show any signs that they were going to.","start_word":2170,"end_word":2206,"sentiment":"negative","sentiment_score":-0.5151136517524719},{"text":"So we had to switch it out for someone who was doing in line with the market. Yep. Yep. So Yep. part Fair of my call enough. today is that's already been done. And Yep. my double check for you is priority wise, you've got eight years until you can access the super at 60, and the age Yep. pension is at 67. Are you still comfortable with that high growth, try and get as much returns as possible, and then when Alright. it's built, we protect Yep. it? Yeah. I think so.","start_word":2207,"end_word":2299,"sentiment":"neutral","sentiment_score":0.07531718909740448},{"text":"I know it's pretty volatile at the moment.","start_word":2300,"end_word":2307,"sentiment":"negative","sentiment_score":-0.3439081609249115},{"text":"Yeah. I needed to sort of run that by you a little bit. Yeah. I do understand that's pretty volatile at the moment. Like I said, I'm gonna be getting some money, so I wanna kind of diversify out a bit the money that I'm getting into different investments. Yeah. I don't know. Well, we do do investment advice, but my main question there would be because you can access super after 60 or, like, fully after 65, is there anything that you would want to invest in personally to grow, to use before the age of 60, or is it going to be essentially building for retirement? That's really good question. I've You don't been have thinking to decide today. I just wanted to put that potentially, sort of food for I thought could just in. I could just require retire. You know how because my dad got a lump sum from the property and the trust thing that we set up, and Yep. he just lived off of the interest payments of that, I think, which is Yeah. I think we can set up. Is that like a what's that called? So that's a fair high interest thing. Yeah. You can have, like, the term deposits or or things like that that pay you interest.","start_word":2308,"end_word":2524,"sentiment":"neutral","sentiment_score":0.02944238689912629},{"text":"Credit funds can do that as well.","start_word":2525,"end_word":2531,"sentiment":"positive","sentiment_score":0.3590535521507263},{"text":"And like I said, once you hit 60, your super can be converted to a pension account that can produce, like, a monthly or fortnightly income out of it as well. Maybe that's how we had it set up as a pension That's how account. you get the kind of tax free income is basically post 60.","start_word":2532,"end_word":2588,"sentiment":"neutral","sentiment_score":0.28370967507362366},{"text":"You convert your super to an account based pension to retire, and then everything that it earns and everything that it pays out to you is tax free when you retire.","start_word":2589,"end_word":2619,"sentiment":"positive","sentiment_score":0.34799784421920776},{"text":"Wow. Right? So we can we can utilize something Isn't it? either through Super to grow it and then retire on it and live off the interest, or you Yes. can grow it outside of Super and contribute it in towards the end. Just depends on what you're doing with, like, properties, mortgages, things like that. We have to take that into account too. Yeah. I don't know what's gonna be happening with the property. I'm not sure. Would you like me to put in so with this annual review now, I'm basically just trying to clean up the other super funds, the net wealth. If you're comfortable with high growth, I can leave that as is. Yep. Would you like me to put in a touch base either before the end of the year or early into the New Year just to see how things are going, how things have changed? Yeah. Maybe before the end of the year. Yep. K. So we'll do a bit of a hold on a few things, and I'll put in for someone to contact you in November, and Yep. we'll get Yep. you booked in before Christmas Okay. time. And Yep. then if there's any lump sums or changes to assets, I can walk you through some options. Okay. So if so could I have a couple of statements for the last I'm supposed to provide statements from the last three years last three financial years plus the current statement, which is pretty much I mean, it's not that long since the financial year, is it? Yeah. But what I can do Yep. is we can send the three financial years plus a just a twelve month statement, which captures from today backwards. Okay. Yeah.","start_word":2620,"end_word":2912,"sentiment":"neutral","sentiment_score":0.08485187981722704},{"text":"That's good. That'll be good. Thank you. Perfect.","start_word":2913,"end_word":2920,"sentiment":"positive","sentiment_score":0.630088210105896},{"text":"I've included in this pack an authority to contact Super SA because it has to be refreshed, And I just wanted to give them a call so I can get a statement from them as well, if that's okay. Okay. That way, I can mix it into the plan about consolidating, but can also give you statements so it's all in one email. Now they may take, possibly, worst case scenario, a week or two weeks to accept the authority to get the information. Would it be okay that time frame to get you the full pack of statements, or is it a bit more urgent than that? What do you mean? In two weeks time, get me the statement? Yeah. So if if we're trying to hunt down the statement from Super SA, I know it's small, but we may not be able to obtain that tomorrow kind of thing, Netwealth, Right. we can send through straightaway. Yeah. No. Don't worry about waiting for the Super SA one. Look. It's so little. I can get through Yep. the amount that much. Yep. So I'll It's that's I'll sent still to send yeah. the authority It's sent for to our the other purposes, one. but I'll send Yep. you the other ones. Yep. Yep. That And just quickly, Lynn, as well. So for the insurance side of things, you have the 343,000 worth of life and disability insurance through Okay. Nails, about $2.5 after the rebate coming out of the super. Given that the situation is in flux, do you wanna do you want me to make sure that I keep that policy in force as is and then review it in November, or would you like me to do some quotes and changes now? No. Just leave it. K.","start_word":2921,"end_word":3220,"sentiment":"neutral","sentiment_score":0.04529442223409812},{"text":"So Thank you. we'll keep that in force.","start_word":3221,"end_word":3228,"sentiment":"positive","sentiment_score":0.4358309507369995},{"text":"I'll pencil in to discuss that because there may be some, again, cheaper providers or need to increase or decrease amounts. So Yes. I will table that until November. Yep. And with the estate planning side of things, I know you're going through, you know, lawyers and mediation and so on. But do you guys have, like, a a will that is in place that you need to update, power No. of attorney that you need to update? I do not have a wheel. Not car K. returning. No idea. I'll put in the reminders for those. Maybe that's something to do after the separation is finalized and property Yes. settlement is finalized. Yep. Yep. Absolutely. Yes. I've been saying Perfect. to you, you should do a wheel, but, Like you you said, know life gets in the way, and Another it's like, one do of I those things. Yeah. But get it it to shouldn't look to change terrible. the provider for this and change the direction of contributions and the wheels, and then there's Yeah. I know. schools and bills Yeah. and Then there's interest just rates. life. Yeah. That's It's right. never ending. Never ending. No. That's right. Yes. So how did the super go last financial year anyway? Let me have a little look because, again, it was a bit rough. Not going to lie there. We had to catch a bit of a falling knife, take a bit of blood off of that one, and then move it. Yep. We went from pretty flat, to be honest. I'm having Yep. a look at it here. You can. It hasn't gone down, but it also hasn't jumped up either. It's Okay. pretty well What's held for twelve months. it what's it sitting at? You're sitting at $108,109,000 in net wealth and then the 641 in Super Sorry. Sorry? How much in 100 and tons? SA. Sorry. Thousand. 108,000 Really? Wow.","start_word":3229,"end_word":3552,"sentiment":"neutral","sentiment_score":-0.03225528754661849},{"text":"and Well, you guys six did 100 that good job.","start_word":3553,"end_word":3562,"sentiment":"positive","sentiment_score":0.4126383662223816},{"text":"Well, I was thinking it was around 75. But no. I wasn't It's done very well for a few years. It's yeah. just I had it's just stalled yeah. a little bit. That's Yeah. all. That's fine.","start_word":3563,"end_word":3599,"sentiment":"neutral","sentiment_score":-0.06208888441324234},{"text":"Great. We will continue to set it on its merry way. Like I said, we've already fixed the portfolio up.","start_word":3600,"end_word":3619,"sentiment":"positive","sentiment_score":0.5639311075210571},{"text":"Yep. I don't see any need to change any of the other options. Yep.","start_word":3620,"end_word":3633,"sentiment":"neutral","sentiment_score":-0.14299891889095306},{"text":"Just need to wait for the world to stop blowing up for a few months, and we should be gone.","start_word":3634,"end_word":3653,"sentiment":"negative","sentiment_score":-0.3357461094856262},{"text":"Yep. Man, is that gonna happen, or is it just gonna get crazier? To be honest, I do expect the next three to nine months to be you know how we use the word volatile before? Basically, that just means higher highs, lower lows in a Yes. shorter Yes. period of time, and Yes. then it tends to kind of settle down for another three to five. So there may be some big gains, big losses, and then see how we average Yep. out. But I will kind of update you on what's going on in November as well, Okay. and then I definitely wanna catch back up mid next year because we'll have a lot more idea then as well. Yep. Yep. K? As long as you're okay to hold on to the roller coaster for another twelve months, Yes. it'll be very good long term. When you get closer to retirement, I will start to taper off how much you've got exposed to the market, and we'll Yes. drop you from, you know, 90% growth to eighty, seventy, sixty, fifty, forty on your way to that pension account. Yep. I'll factor in the any inheritance or funds that you receive into that plan as well because if we boost up quicker, we can reduce risk faster. Yep. Alright. No. I will send you out this pack if you are okay to consent. One thing I will do is because you haven't finalized anything just yet, I would still like to offer you the the couple's rate discount for twelve months, 1.1% for our services. And we are also including you discounted tiered fees for next year as well.","start_word":3654,"end_word":3933,"sentiment":"neutral","sentiment_score":0.06891695744624095},{"text":"So, basically, I would like to keep your discount running for twelve months.","start_word":3934,"end_word":3946,"sentiment":"positive","sentiment_score":0.3464297652244568},{"text":"And then in twelve months' time, you'll be on a structure that gives you discounts above 200,000 once we get you up to that point as well. What do you mean? So, normally, our single client fee structure is 1.65%. For couples, we offer it as 1.1. And next year, we have the tiered fee. So when you have a super balance above 200,000, the Mhmm. percentage drops, and then it drops again after 500,000. So Right. Okay. I basically Even wanna if your give you other even if one couple is not with you guys, although I think he has walked over to you, but I don't know if he's finished the process. But yeah. We've still got it on there for the discount. okay. I would like to run that for at least the next twelve months.","start_word":3947,"end_word":4085,"sentiment":"neutral","sentiment_score":0.08930670469999313},{"text":"Cool.","start_word":4086,"end_word":4086,"sentiment":"positive","sentiment_score":0.34378522634506226},{"text":"Alright. Okay. The other thing too sorry. Just to let you know before you go, there is a tax file number opt in form just to make sure that you're still okay for us to hold that number. It is quite important, so we need your Yep. consent. Yep. Yep. Yep. Okay. Alright.","start_word":4087,"end_word":4139,"sentiment":"neutral","sentiment_score":0.02934028021991253},{"text":"Beautiful.","start_word":4140,"end_word":4140,"sentiment":"positive","sentiment_score":0.38205641508102417},{"text":"Any So, basically, questions? go through the email you've sent me and fill out all the forms. If you can, please. There's only one, two, three to sign out of the seven. The rest can be essentially skipped and for your records, you know, certificates for your insurances and service guides with Oakview Financial. Yep. Okay.","start_word":4141,"end_word":4196,"sentiment":"neutral","sentiment_score":0.08474139869213104},{"text":"Great. Thank you.","start_word":4197,"end_word":4199,"sentiment":"positive","sentiment_score":0.6108056902885437},{"text":"So Yep. that should come through to you in the next minute or two Yep. And my in yep. the interim. Yep. And my super statement. Yeah. So I'll do the full pack up. I'll get Michelle to put that together for you today, and you should have that in the next twenty four Okay.","start_word":4200,"end_word":4254,"sentiment":"neutral","sentiment_score":0.20944975316524503},{"text":"Cool. Thank you. Awesome, Lynn.","start_word":4255,"end_word":4259,"sentiment":"positive","sentiment_score":0.6758993268013},{"text":"Anything else you need before I let you go? No. I don't think so. Nope. Just some lottery numbers? Oh, so, actually, I was wondering because you know how I can have financial advice through Yes. you guys? Because I said that to somebody and they're like, oh, yeah. Yeah. That's just a one off. But how do you guys structure it? Is it just a one off thing or can it be an ongoing investment advisory? Yeah. We we specialize in ongoing long term care. So Yes. the one off is to set everything up. And then after that point, it's to maintain it, update it, review it, and Yep. changes your life changes. Yep. So that's why whether it's three, six, or twelve month catch ups that you need, we will Okay. adapt to you and Yep. give you further advice as you need it or incorporated into the fee. But but not so not with superannuation. Any other type of investment advice? Correct. So the only thing that we do now is that if we're setting up, like, a large managed fund investment of 5,200,000, whatever it is, we do charge $750 to do the advice and set it up, and Right. then it is incorporated alongside the super to be managed. Okay. Right. Does that make sense? Yep. I think so. I have put in the system there as well that when we catch up next, I won't just talk about the insurances and so on as we'll touch base on how you went with the the settlement, any other funds received, and anything you would like advice wise, and we can go from there. I can give you any advice you Okay. Yep. need.","start_word":4260,"end_word":4548,"sentiment":"neutral","sentiment_score":0.059308379888534546},{"text":"Thank you.","start_word":4549,"end_word":4550,"sentiment":"positive","sentiment_score":0.4315316677093506},{"text":"Cool.","start_word":4551,"end_word":4551,"sentiment":"neutral","sentiment_score":0.2893800735473633},{"text":"Have a fantastic end of your week.","start_word":4552,"end_word":4558,"sentiment":"positive","sentiment_score":0.853355884552002},{"text":"And as soon as we get these documents back, I'll do the finalized update for Super SA, Yep. and we'll send you the statement straight away. In about two weeks' time, I'll just run through that updated plan with you just to get everything cleaned up, and then I've penciled in for November.","start_word":4559,"end_word":4611,"sentiment":"neutral","sentiment_score":0.24256734549999237},{"text":"Okay. Cool. Thank you. Awesome, Lynn. See you later.","start_word":4612,"end_word":4620,"sentiment":"positive","sentiment_score":0.728794515132904},{"text":"K.","start_word":4621,"end_word":4621,"sentiment":"neutral","sentiment_score":0.16991417109966278},{"text":"See you. Thanks. Bye.","start_word":4622,"end_word":4625,"sentiment":"positive","sentiment_score":0.4521450698375702}],"average":{"sentiment":"neutral","sentiment_score":0.031507519321920155}}}}