{"metadata":{"transaction_key":"deprecated","request_id":"01a07e44-12e7-7242-afab-483602e9558a","sha256":"3dbf099bbe0303fefbd665489b90f471465bb55439a4ea6b59b2ce4703938f7c","created":"2026-09-07T23:46:28.066Z","duration":793.07996,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":3231,"output_tokens":131},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3719,"output_tokens":3727},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3719,"output_tokens":189}},"results":{"channels":[{"alternatives":[{"transcript":"Luke, good morning. It's Tommy here, senior adviser. Mate, how are you doing? I'm living the dream. It's a beautiful day on the Gold Coast. What about your end? Mate, we're it's coming. I'm enjoying the last couple hours of sun that I can before yeah. Absolutely. But we make the most of the morning, mate. And then the afternoon, I'm in office, so it's all good. Mate, I've got a couple of things run by you today from some previous advice to kind of update your circumstances, see what we wanna do strategy wise. Have you got about 15 for me today? Sensational. I'll just go through a quick security check with you. Just need your date of birth and address, please. Sensational. And I'm registered with Asica's adviser 1273105. Are you okay for the call to be recorded? Beautiful. So a couple of emails I've got. I've got a bit of an annual review pack to send out to you, just the usual kind of twelve month updates on the super and the insurances. And then I've just been going through some advice that Kyle had sent out to you for a few changes. The first thing I wanted to do is just quickly check with you, a, how you've been going and if you've had any major changes in circumstances or goals at the moment. Beautiful. So everything's just continuing on its merry way. So what I'll do, I'm just gonna quickly touch on the details that I've got. Let me know if all of this still sounds accurate. We've got married with two children, underground fitter. We've got email addresses still the Hotmail address is still okay. Beautiful. We've just obviously had the tax time. I think we had your income at around a 190. Has that changed much? Yep. Fluctuates a little bit above that, but, otherwise, $1.90 is the the sort of baseline. Beautiful. And assets and liabilities wise, we just had the home and the car. We had you kind of getting close to paying off. It had about $2.50 owing and about 1.1 mil on the valuation. Gotcha. Gotcha. Gotcha. Bit more than $2.50 k. I'll just make a little note of that one. So in terms of the hub and the attached insurances, we've got you in kinda like a growth risk profile, four out of five on the risk scale. You're aiming for around about 80% in terms of, like, shares, property, and gold, 20 in the safer side of things. Does that ring a bell? Oh, man. I'm coming on '13 years in history, and it's it seems to be the law of averages where you just gotta kind of take those hits and still try and get the above benchmark returns, factoring in the world exploding every three to seven years. One of the things that we were looking to do, which I'm still quite keen to to move along with, is some updates to some of the investments. So one of the main underperformers inside the portfolio was a Bennelong option, which hasn't been doing too good. Everything else has been pretty well on the double digit side of things. So returns are looking good across the portfolio. There is a change that the government's making to one of your safe investments. It's kind of like a term deposit or a bond if you're familiar with those terms. So one of them is a bank hybrids, which the government's kind of phasing those out next year, where it's one of these really strange things where a term deposit bond turns into a bit of a share, and they just went, look. This is too complicated. It kinda sounds like another global financial crisis waiting to happen. So we're just getting ahead of that one and got a few other sort of bond options to switch it in for, if that's alright. One of the things that Carl was recommending was going for a little bit more of a lower fee portfolio to kind of replace some of the underperforming options with some low fee index funds. Still ETFs, so still brokerage fees to purchase them, but it reduces the fees by, like, 80%. And it gets your returns back up into that kind of, like, your benchmark for growth is 9% or above, and we're still aiming for somewhere between the kind of 12 to 16% mark with that portfolio. So I wanna double check if you're okay for me to kind of just refresh those figures and get that sent out to you. Fantastic. And no major issues from anything I've said so far? Anything that's a red flag or anything that's concerning for you? Beautiful. So I'll get that one updated. We factored in, obviously, insurance premiums into those projections, and I'll update the performance and everything like that. We still have, you and Cass on partner fee discount of 1.1% with Oakview, which I believe has, expired the consent on Hub. So I was gonna send that out with the annual review pack if that's okay as well. For the Clearview, just wanna quickly double check something. So you've got just under 1.2 mil worth of life and disability insurance, which is the lump sums. If you pass away, you can never work again. Obviously, that clears well and truly the debt unless you've you've increased above a million dollars. The total premiums for those two are under $2, which is looking pretty good. It's the income protection I wanted to run by you. We've got 13,000 a month worth of cover. Now normally, that's based on a on a percentage. So if I work that back because they increase it every year, it's kind of a cheap way to get more cover expecting your income to increase every year. You're protecting an income of around about 222,000. So all I wanted to flag is that if for some reason you handed in a tax return and went to claim on it and you'd only earn $1.90 or 200, they would pay you 70% of that amount, not the two twenty two because it's an indemnity policy. Correct. So I'm wanting to double check if we should maybe trim that back down to the base level, the $1.90, and trim down the premiums a bit. Cool. You've got a ninety day waiting period, which is obviously the the lowest premiums you can kind of get. You gotta be out for a few months, then it kicks in. It's got a five year benefit period as well, so monthly for up to five years. If an injury or illness lasts longer than five years, you're expecting the TPD, the big lump sum, to kick in then because it's not likely you're going back to work in the sixth year, if that makes sense. So if I trim down the premiums further, the only thing I can do is either shop around or try and get you down to two year benefit. But if you're happy with that 95, I can just trim it back then to the $1.90 and and show you what that looks like. Yeah. Australia is one of those unfortunate basket cases where the last five to seven years, no one's income seems to have been keeping up with productivity and inflation. So the usual scenario no. With nothing. So the usual scenario where you get some slight bump ups and it's you don't have to apply for anything used to be great. Now it just seems like you're paying for something you can't claim on. Cool. So I'll do a bit of a trim now for that one. The only cover you don't have is, like, trauma insurance for heart attack, stroke, and cancer, out of pocket only. Most people just go, look. If I had a heart attack, I'd go to the hospital. Public systems are pretty good for that. You don't have to get insurance for that one, But I do have to ask the question if you wanted a quote. Yeah. I understand and agree completely. So I'll update the portfolio and the insurances. That one's nice and easy. Estate planning wise, everything's looking pretty good. You've got your beneficiary nominations in place. You've got a will in place that's pretty up to date. When you put in place a will, do you remember if you put in place a power of attorney? That's alright. Just I know it's a bit of a stretch, and it could have been a while ago. It's just that one that, you know, if you're in hospital, can't act on your own behalf, it kind of skips the court stuff so someone can access bank accounts, talk to doctors on your behalf, which obviously would be your partner, but it just makes things a little bit quicker. If it ever helps yeah. If you don't have one, there's a $25 power of attorney kit from the Aus Post It's government approved. Normally, you obviously want a will done properly, but those ones are pretty like, if I can't act, this person can. And in our state, it makes things a bit easier because it's combined into one. So health and financial. Beauty. In terms of cash flow and debt management, that was the last goals I wanted to just have a look at is you're obviously doing a few trips planning, things like that, paying off the mortgage. Just having a look here. Anything else that you've got going on for cash flow the next few years? That'll pay for already, flight wise? Beautiful. Alrighty. That's pretty easy, man. So what I can do from here is I will pop out this pack to you now to your Hotmail address just for the annual review. If you can have a look through and sign off on that if you're comfortable with us being listed as advisers, I'll get all that applied. Over the next sort of week or two, I'll freshen up the portfolio and the insurance quotes, and I'll get some updated figures for you. And then it's just a matter of another quick chat to run through that refresh statement of advice just to make sure you're happy to sign off on that one before we move everything around. Awesome. Any questions for me so far? Awesome. I appreciate you taking the time this morning. Just helps me kind of get that little bit of an updated understanding so the documents are accurate, and then I can have that through to you pretty soon as well. Awesome. I'll leave that pack with you. Give us a call if you have any trouble with that new OdooSign that we're using. It's pretty straightforward. You you hop on, scroll to the bottom of the documents, and it will have a little stampy signature here. Next document to skip through the service guides and ones that don't require signatures. And just to quickly let you know for compliance purposes, so you've got certificates for all the insurance performance summary, new service guide with us. The only two to sign is a ongoing service agreement with Hub, and we have included a third party authority for your partner if you would like her to be able to call up and and obtain details on your behalf just so there's a a flow of communication for both of you guys. Is that okay? Yeah. Easy down. So as soon as well, to be honest, mate, with a lot of the not that you guys are in that bucket, with all the separations going on, the amount of family conflicts that we see is just increasing with that boomer generation. It's just every year, it seems to get worse and worse with family disputes. But if you give us a little tick off on that one, then we'll keep that on file, and we're good to go. Amazing. Thank you so much for your time, and I will touch base in a couple of weeks. Have a great week, mate. Cheers. 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good morning. It's Tommy here, senior adviser. Mate, how are you doing? I'm living the dream. It's a beautiful day on the Gold Coast.\n\nWhat about your end? Mate, we're it's coming. I'm enjoying the last couple hours of sun that I can before yeah. Absolutely. But we make the most of the morning, mate.\n\nAnd then the afternoon, I'm in office, so it's all good. Mate, I've got a couple of things run by you today from some previous advice to kind of update your circumstances, see what we wanna do strategy wise. Have you got about 15 for me today? Sensational. I'll just go through a quick security check with you.\n\nJust need your date of birth and address, please. Sensational. And I'm registered with Asica's adviser 1273105. Are you okay for the call to be recorded? Beautiful.\n\nSo a couple of emails I've got. I've got a bit of an annual review pack to send out to you, just the usual kind of twelve month updates on the super and the insurances. And then I've just been going through some advice that Kyle had sent out to you for a few changes. The first thing I wanted to do is just quickly check with you, a, how you've been going and if you've had any major changes in circumstances or goals at the moment. Beautiful.\n\nSo everything's just continuing on its merry way. So what I'll do, I'm just gonna quickly touch on the details that I've got. Let me know if all of this still sounds accurate. We've got married with two children, underground fitter. We've got email addresses still the Hotmail address is still okay.\n\nBeautiful. We've just obviously had the tax time. I think we had your income at around a 190. Has that changed much? Yep.\n\nFluctuates a little bit above that, but, otherwise, $1.90 is the the sort of baseline. Beautiful. And assets and liabilities wise, we just had the home and the car. We had you kind of getting close to paying off. It had about $2.50 owing and about 1.1 mil on the valuation.\n\nGotcha. Gotcha. Gotcha. Bit more than $2.50 k. I'll just make a little note of that one.\n\nSo in terms of the hub and the attached insurances, we've got you in kinda like a growth risk profile, four out of five on the risk scale. You're aiming for around about 80% in terms of, like, shares, property, and gold, 20 in the safer side of things. Does that ring a bell? Oh, man. I'm coming on '13 years in history, and it's it seems to be the law of averages where you just gotta kind of take those hits and still try and get the above benchmark returns, factoring in the world exploding every three to seven years.\n\nOne of the things that we were looking to do, which I'm still quite keen to to move along with, is some updates to some of the investments. So one of the main underperformers inside the portfolio was a Bennelong option, which hasn't been doing too good. Everything else has been pretty well on the double digit side of things. So returns are looking good across the portfolio. There is a change that the government's making to one of your safe investments.\n\nIt's kind of like a term deposit or a bond if you're familiar with those terms. So one of them is a bank hybrids, which the government's kind of phasing those out next year, where it's one of these really strange things where a term deposit bond turns into a bit of a share, and they just went, look. This is too complicated. It kinda sounds like another global financial crisis waiting to happen. So we're just getting ahead of that one and got a few other sort of bond options to switch it in for, if that's alright.\n\nOne of the things that Carl was recommending was going for a little bit more of a lower fee portfolio to kind of replace some of the underperforming options with some low fee index funds. Still ETFs, so still brokerage fees to purchase them, but it reduces the fees by, like, 80%. And it gets your returns back up into that kind of, like, your benchmark for growth is 9% or above, and we're still aiming for somewhere between the kind of 12 to 16% mark with that portfolio. So I wanna double check if you're okay for me to kind of just refresh those figures and get that sent out to you. Fantastic.\n\nAnd no major issues from anything I've said so far? Anything that's a red flag or anything that's concerning for you? Beautiful. So I'll get that one updated. We factored in, obviously, insurance premiums into those projections, and I'll update the performance and everything like that.\n\nWe still have, you and Cass on partner fee discount of 1.1% with Oakview, which I believe has, expired the consent on Hub. So I was gonna send that out with the annual review pack if that's okay as well. For the Clearview, just wanna quickly double check something. So you've got just under 1.2 mil worth of life and disability insurance, which is the lump sums. If you pass away, you can never work again.\n\nObviously, that clears well and truly the debt unless you've you've increased above a million dollars. The total premiums for those two are under $2, which is looking pretty good. It's the income protection I wanted to run by you. We've got 13,000 a month worth of cover. Now normally, that's based on a on a percentage.\n\nSo if I work that back because they increase it every year, it's kind of a cheap way to get more cover expecting your income to increase every year. You're protecting an income of around about 222,000. So all I wanted to flag is that if for some reason you handed in a tax return and went to claim on it and you'd only earn $1.90 or 200, they would pay you 70% of that amount, not the two twenty two because it's an indemnity policy. Correct. So I'm wanting to double check if we should maybe trim that back down to the base level, the $1.90, and trim down the premiums a bit.\n\nCool. You've got a ninety day waiting period, which is obviously the the lowest premiums you can kind of get. You gotta be out for a few months, then it kicks in. It's got a five year benefit period as well, so monthly for up to five years. If an injury or illness lasts longer than five years, you're expecting the TPD, the big lump sum, to kick in then because it's not likely you're going back to work in the sixth year, if that makes sense.\n\nSo if I trim down the premiums further, the only thing I can do is either shop around or try and get you down to two year benefit. But if you're happy with that 95, I can just trim it back then to the $1.90 and and show you what that looks like. Yeah. Australia is one of those unfortunate basket cases where the last five to seven years, no one's income seems to have been keeping up with productivity and inflation. So the usual scenario no.\n\nWith nothing. So the usual scenario where you get some slight bump ups and it's you don't have to apply for anything used to be great. Now it just seems like you're paying for something you can't claim on. Cool. So I'll do a bit of a trim now for that one.\n\nThe only cover you don't have is, like, trauma insurance for heart attack, stroke, and cancer, out of pocket only. Most people just go, look. If I had a heart attack, I'd go to the hospital. Public systems are pretty good for that. You don't have to get insurance for that one, But I do have to ask the question if you wanted a quote.\n\nYeah. I understand and agree completely. So I'll update the portfolio and the insurances. That one's nice and easy. Estate planning wise, everything's looking pretty good.\n\nYou've got your beneficiary nominations in place. You've got a will in place that's pretty up to date. When you put in place a will, do you remember if you put in place a power of attorney? That's alright. Just I know it's a bit of a stretch, and it could have been a while ago.\n\nIt's just that one that, you know, if you're in hospital, can't act on your own behalf, it kind of skips the court stuff so someone can access bank accounts, talk to doctors on your behalf, which obviously would be your partner, but it just makes things a little bit quicker. If it ever helps yeah. If you don't have one, there's a $25 power of attorney kit from the Aus Post It's government approved. Normally, you obviously want a will done properly, but those ones are pretty like, if I can't act, this person can. And in our state, it makes things a bit easier because it's combined into one.\n\nSo health and financial. Beauty. In terms of cash flow and debt management, that was the last goals I wanted to just have a look at is you're obviously doing a few trips planning, things like that, paying off the mortgage. Just having a look here. Anything else that you've got going on for cash flow the next few years?\n\nThat'll pay for already, flight wise? Beautiful. Alrighty. That's pretty easy, man. So what I can do from here is I will pop out this pack to you now to your Hotmail address just for the annual review.\n\nIf you can have a look through and sign off on that if you're comfortable with us being listed as advisers, I'll get all that applied. Over the next sort of week or two, I'll freshen up the portfolio and the insurance quotes, and I'll get some updated figures for you. And then it's just a matter of another quick chat to run through that refresh statement of advice just to make sure you're happy to sign off on that one before we move everything around. Awesome. Any questions for me so far?\n\nAwesome. I appreciate you taking the time this morning. Just helps me kind of get that little bit of an updated understanding so the documents are accurate, and then I can have that through to you pretty soon as well. Awesome. I'll leave that pack with you.\n\nGive us a call if you have any trouble with that new OdooSign that we're using. It's pretty straightforward. You you hop on, scroll to the bottom of the documents, and it will have a little stampy signature here. Next document to skip through the service guides and ones that don't require signatures. And just to quickly let you know for compliance purposes, so you've got certificates for all the insurance performance summary, new service guide with us.\n\nThe only two to sign is a ongoing service agreement with Hub, and we have included a third party authority for your partner if you would like her to be able to call up and and obtain details on your behalf just so there's a a flow of communication for both of you guys. Is that okay? Yeah. Easy down. So as soon as well, to be honest, mate, with a lot of the not that you guys are in that bucket, with all the separations going on, the amount of family conflicts that we see is just increasing with that boomer generation.\n\nIt's just every year, it seems to get worse and worse with family disputes. But if you give us a little tick off on that one, then we'll keep that on file, and we're good to go. Amazing. Thank you so much for your time, and I will touch base in a couple of weeks. Have a great week, mate.\n\nCheers. Bye.","paragraphs":[{"sentences":[{"text":"Luke, good morning.","start":2.48,"end":3.28,"sentiment":"neutral","sentiment_score":0.2427616814772288},{"text":"It's Tommy here, senior adviser.","start":3.28,"end":4.9,"sentiment":"neutral","sentiment_score":0.15723456144332887},{"text":"Mate, how are you doing?","start":5.2,"end":6.18,"sentiment":"neutral","sentiment_score":0.19679267704486847},{"text":"I'm living the dream.","start":7.52,"end":8.48,"sentiment":"positive","sentiment_score":0.644231453537941},{"text":"It's a beautiful day on the Gold Coast.","start":8.48,"end":9.92,"sentiment":"positive","sentiment_score":0.6983395591378212}],"sentiment":"positive","sentiment_score":0.42648254096508026,"num_words":25,"start":2.48,"end":9.92},{"sentences":[{"text":"What about your end?","start":9.92,"end":10.98,"sentiment":"neutral","sentiment_score":0.08833000063896179},{"text":"Mate, we're it's coming.","start":17.355,"end":18.735,"sentiment":"neutral","sentiment_score":-0.04961959598585963},{"text":"I'm enjoying the last couple hours of sun that I can before yeah.","start":19.355,"end":26.314999,"sentiment":"positive","sentiment_score":0.365427804680971},{"text":"Absolutely.","start":26.314999,"end":26.814999,"sentiment":"positive","sentiment_score":0.4146943986415863},{"text":"But we make the most of the morning, mate.","start":26.954998,"end":28.769999,"sentiment":"positive","sentiment_score":0.5996730625629425}],"sentiment":"positive","sentiment_score":0.3457146787475194,"num_words":31,"start":9.92,"end":28.769999},{"sentences":[{"text":"And then the afternoon, I'm in office, so it's all good.","start":28.769999,"end":31.109999,"sentiment":"positive","sentiment_score":0.5919734835624695},{"text":"Mate, I've got a couple of things run by you today from some previous advice to kind of update your circumstances, see what we wanna do strategy wise.","start":32.69,"end":42.075,"sentiment":"neutral","sentiment_score":0.10919189213642053},{"text":"Have you got about 15 for me today?","start":43.195,"end":45.135002,"sentiment":"neutral","sentiment_score":0.018040499184280634},{"text":"Sensational.","start":46.555,"end":47.055,"sentiment":"neutral","sentiment_score":0.07942068576812744},{"text":"I'll just go through a quick security check with you.","start":47.355,"end":49.695,"sentiment":"neutral","sentiment_score":0.05243443846702576}],"sentiment":"neutral","sentiment_score":0.17788224763654428,"num_words":58,"start":28.769999,"end":49.695},{"sentences":[{"text":"Just need your date of birth and address, please.","start":50.075,"end":52.495003,"sentiment":"neutral","sentiment_score":0.030419772283898458},{"text":"Sensational.","start":57.960003,"end":58.440002,"sentiment":"neutral","sentiment_score":0.03226281329989433},{"text":"And I'm registered with Asica's adviser 1273105.","start":58.440002,"end":62.36,"sentiment":"neutral","sentiment_score":0.018986876122653484},{"text":"Are you okay for the call to be recorded?","start":62.36,"end":64.14,"sentiment":"neutral","sentiment_score":0.007726698906885253},{"text":"Beautiful.","start":65.8,"end":66.3,"sentiment":"positive","sentiment_score":0.4248881936073303}],"sentiment":"neutral","sentiment_score":0.03456953261047602,"num_words":27,"start":50.075,"end":66.3},{"sentences":[{"text":"So a couple of emails I've got.","start":66.44,"end":68.6,"sentiment":"neutral","sentiment_score":0.12962487978594645},{"text":"I've got a bit of an annual review pack to send out to you, just the usual kind of twelve month updates on the super and the insurances.","start":68.6,"end":75.295,"sentiment":"neutral","sentiment_score":0.08638331786330257},{"text":"And then I've just been going through some advice that Kyle had sent out to you for a few changes.","start":75.91499,"end":80.975,"sentiment":"neutral","sentiment_score":0.03928506337106228},{"text":"The first thing I wanted to do is just quickly check with you, a, how you've been going and if you've had any major changes in circumstances or goals at the moment.","start":81.435,"end":90.04,"sentiment":"neutral","sentiment_score":0.04648293199716136},{"text":"Beautiful.","start":94.74,"end":95.22,"sentiment":"neutral","sentiment_score":0.10318247228860856}],"sentiment":"neutral","sentiment_score":0.06480050707151266,"num_words":88,"start":66.44,"end":95.22},{"sentences":[{"text":"So everything's just continuing on its merry way.","start":95.22,"end":97.575,"sentiment":"positive","sentiment_score":0.6194296963512897},{"text":"So what I'll do, I'm just gonna quickly touch on the details that I've got.","start":98.454994,"end":101.335,"sentiment":"neutral","sentiment_score":0.1967403660217921},{"text":"Let me know if all of this still sounds accurate.","start":101.335,"end":103.354996,"sentiment":"neutral","sentiment_score":0.08233165368437767},{"text":"We've got married with two children, underground fitter.","start":104.215,"end":109.59499,"sentiment":"neutral","sentiment_score":0.04931721044704318},{"text":"We've got email addresses still the Hotmail address is still okay.","start":110.450005,"end":113.91,"sentiment":"neutral","sentiment_score":0.09974909675392238}],"sentiment":"neutral","sentiment_score":0.19656994895866284,"num_words":52,"start":95.22,"end":113.91},{"sentences":[{"text":"Beautiful.","start":115.25,"end":115.75,"sentiment":"positive","sentiment_score":0.6640301942825317},{"text":"We've just obviously had the tax time.","start":116.37,"end":118.630005,"sentiment":"neutral","sentiment_score":0.232133116040911},{"text":"I think we had your income at around a 190.","start":118.770004,"end":121.090004,"sentiment":"neutral","sentiment_score":0.09811985567212105},{"text":"Has that changed much?","start":121.090004,"end":121.995,"sentiment":"neutral","sentiment_score":0.04327844735234976},{"text":"Yep.","start":129.435,"end":129.935,"sentiment":"neutral","sentiment_score":0.11468057334423064}],"sentiment":"neutral","sentiment_score":0.15469369243668474,"num_words":23,"start":115.25,"end":129.935},{"sentences":[{"text":"Fluctuates a little bit above that, but, otherwise, $1.90 is the the sort of baseline.","start":130.315,"end":134.495,"sentiment":"neutral","sentiment_score":0.09103430286049843},{"text":"Beautiful.","start":136.62,"end":137.09999,"sentiment":"positive","sentiment_score":0.5479291081428528},{"text":"And assets and liabilities wise, we just had the home and the car.","start":137.09999,"end":140.16,"sentiment":"neutral","sentiment_score":0.17374197794840887},{"text":"We had you kind of getting close to paying off.","start":140.78,"end":143.42,"sentiment":"neutral","sentiment_score":-0.0003349434584379196},{"text":"It had about $2.50 owing and about 1.1 mil on the valuation.","start":143.42,"end":147.61499,"sentiment":"neutral","sentiment_score":-0.00393292917093883}],"sentiment":"neutral","sentiment_score":0.08081460352439214,"num_words":51,"start":130.315,"end":147.61499},{"sentences":[{"text":"Gotcha.","start":156.315,"end":156.635,"sentiment":"neutral","sentiment_score":-0.16495835781097412},{"text":"Gotcha.","start":156.635,"end":156.875,"sentiment":"neutral","sentiment_score":-0.14873386919498444},{"text":"Gotcha.","start":156.875,"end":157.375,"sentiment":"neutral","sentiment_score":-0.12029574811458588},{"text":"Bit more than $2.50 k.","start":160.955,"end":162.87,"sentiment":"neutral","sentiment_score":-0.040839634276926516},{"text":"I'll just make a little note of that one.","start":162.87,"end":164.81,"sentiment":"neutral","sentiment_score":0.022900975205832057}],"sentiment":"neutral","sentiment_score":-0.025416315861922854,"num_words":17,"start":156.315,"end":164.81},{"sentences":[{"text":"So in terms of the hub and the attached insurances, we've got you in kinda like a growth risk profile, four out of five on the risk scale.","start":168.47,"end":177.29,"sentiment":"neutral","sentiment_score":0.020112870261073112},{"text":"You're aiming for around about 80% in terms of, like, shares, property, and gold, 20 in the safer side of things.","start":177.535,"end":184.335,"sentiment":"neutral","sentiment_score":0.09977633381883304},{"text":"Does that ring a bell?","start":184.335,"end":185.475,"sentiment":"neutral","sentiment_score":0.05611105896532535},{"text":"Oh, man.","start":203.57501,"end":203.975,"sentiment":"neutral","sentiment_score":-0.2548457980155945},{"text":"I'm coming on '13 years in history, and it's it seems to be the law of averages where you just gotta kind of take those hits and still try and get the above benchmark returns, factoring in the world exploding every three to seven years.","start":203.975,"end":218.09001,"sentiment":"neutral","sentiment_score":-0.1280493220107423}],"sentiment":"neutral","sentiment_score":-0.03299893479388539,"num_words":101,"start":168.47,"end":218.09001},{"sentences":[{"text":"One of the things that we were looking to do, which I'm still quite keen to to move along with, is some updates to some of the investments.","start":221.19,"end":228.905,"sentiment":"neutral","sentiment_score":0.21389215998351574},{"text":"So one of the main underperformers inside the portfolio was a Bennelong option, which hasn't been doing too good.","start":228.96501,"end":236.985,"sentiment":"neutral","sentiment_score":0.010292498688948782},{"text":"Everything else has been pretty well on the double digit side of things.","start":237.845,"end":241.46,"sentiment":"neutral","sentiment_score":0.260056448670534},{"text":"So returns are looking good across the portfolio.","start":241.46,"end":243.64,"sentiment":"neutral","sentiment_score":0.3030529748648405},{"text":"There is a change that the government's making to one of your safe investments.","start":244.34001,"end":247.64,"sentiment":"neutral","sentiment_score":0.17725087702274323}],"sentiment":"neutral","sentiment_score":0.17647814469003095,"num_words":82,"start":221.19,"end":247.64},{"sentences":[{"text":"It's kind of like a term deposit or a bond if you're familiar with those terms.","start":247.78,"end":251.32,"sentiment":"neutral","sentiment_score":0.05097422865219414},{"text":"So one of them is a bank hybrids, which the government's kind of phasing those out next year, where it's one of these really strange things where a term deposit bond turns into a bit of a share, and they just went, look.","start":252.91501,"end":263.155,"sentiment":"neutral","sentiment_score":-0.03588400443279466},{"text":"This is too complicated.","start":263.155,"end":264.195,"sentiment":"negative","sentiment_score":-0.41574402898550034},{"text":"It kinda sounds like another global financial crisis waiting to happen.","start":264.195,"end":267.815,"sentiment":"neutral","sentiment_score":-0.3295365138487382},{"text":"So we're just getting ahead of that one and got a few other sort of bond options to switch it in for, if that's alright.","start":268.88,"end":275.54,"sentiment":"neutral","sentiment_score":-0.01795999956317246}],"sentiment":"neutral","sentiment_score":-0.06529598272255048,"num_words":99,"start":247.78,"end":275.54},{"sentences":[{"text":"One of the things that Carl was recommending was going for a little bit more of a lower fee portfolio to kind of replace some of the underperforming options with some low fee index funds.","start":277.68,"end":287.845,"sentiment":"neutral","sentiment_score":0.15585965609976224},{"text":"Still ETFs, so still brokerage fees to purchase them, but it reduces the fees by, like, 80%.","start":288.465,"end":294.085,"sentiment":"neutral","sentiment_score":0.12611649053938248},{"text":"And it gets your returns back up into that kind of, like, your benchmark for growth is 9% or above, and we're still aiming for somewhere between the kind of 12 to 16% mark with that portfolio.","start":294.705,"end":305.75,"sentiment":"neutral","sentiment_score":0.24557344494639216},{"text":"So I wanna double check if you're okay for me to kind of just refresh those figures and get that sent out to you.","start":306.77002,"end":312.625,"sentiment":"positive","sentiment_score":0.4058404428263505},{"text":"Fantastic.","start":326.74,"end":327.06,"sentiment":"positive","sentiment_score":0.6264092922210693}],"sentiment":"neutral","sentiment_score":0.2372970674186945,"num_words":114,"start":277.68,"end":327.06},{"sentences":[{"text":"And no major issues from anything I've said so far?","start":327.06,"end":329.78,"sentiment":"neutral","sentiment_score":0.191605144739151},{"text":"Anything that's a red flag or anything that's concerning for you?","start":329.78,"end":332.68,"sentiment":"neutral","sentiment_score":-0.19710405306382614},{"text":"Beautiful.","start":335.13998,"end":335.62,"sentiment":"positive","sentiment_score":0.5564441680908203},{"text":"So I'll get that one updated.","start":335.62,"end":336.91998,"sentiment":"neutral","sentiment_score":0.26309659083684284},{"text":"We factored in, obviously, insurance premiums into those projections, and I'll update the performance and everything like that.","start":337.37997,"end":344.005,"sentiment":"neutral","sentiment_score":0.1448610458109114}],"sentiment":"neutral","sentiment_score":0.0976180304651675,"num_words":46,"start":327.06,"end":344.005},{"sentences":[{"text":"We still have, you and Cass on partner fee discount of 1.1% with Oakview, which I believe has, expired the consent on Hub.","start":344.065,"end":353.82,"sentiment":"neutral","sentiment_score":0.09326757182893546},{"text":"So I was gonna send that out with the annual review pack if that's okay as well.","start":353.98,"end":358.32,"sentiment":"neutral","sentiment_score":0.11362680135404363},{"text":"For the Clearview, just wanna quickly double check something.","start":360.7,"end":363.5,"sentiment":"neutral","sentiment_score":0.07346126726931995},{"text":"So you've got just under 1.2 mil worth of life and disability insurance, which is the lump sums.","start":363.5,"end":370.285,"sentiment":"neutral","sentiment_score":0.042254106865988836},{"text":"If you pass away, you can never work again.","start":370.285,"end":372.625,"sentiment":"neutral","sentiment_score":-0.1745548446973165}],"sentiment":"neutral","sentiment_score":0.051678177655527464,"num_words":76,"start":344.065,"end":372.625},{"sentences":[{"text":"Obviously, that clears well and truly the debt unless you've you've increased above a million dollars.","start":373.165,"end":378.465,"sentiment":"neutral","sentiment_score":0.034245797200128436},{"text":"The total premiums for those two are under $2, which is looking pretty good.","start":380.445,"end":384.2,"sentiment":"positive","sentiment_score":0.4031601675919124},{"text":"It's the income protection I wanted to run by you.","start":384.42,"end":387.16,"sentiment":"neutral","sentiment_score":0.16559457778930664},{"text":"We've got 13,000 a month worth of cover.","start":388.82,"end":392.36,"sentiment":"neutral","sentiment_score":0.057111580623313785},{"text":"Now normally, that's based on a on a percentage.","start":392.58,"end":395.0,"sentiment":"neutral","sentiment_score":0.01880135614838865}],"sentiment":"neutral","sentiment_score":0.14867062683691057,"num_words":57,"start":373.165,"end":395.0},{"sentences":[{"text":"So if I work that back because they increase it every year, it's kind of a cheap way to get more cover expecting your income to increase every year.","start":395.46,"end":403.745,"sentiment":"neutral","sentiment_score":0.10926529264141774},{"text":"You're protecting an income of around about 222,000.","start":404.525,"end":408.305,"sentiment":"neutral","sentiment_score":0.15786800347268581},{"text":"So all I wanted to flag is that if for some reason you handed in a tax return and went to claim on it and you'd only earn $1.90 or 200, they would pay you 70% of that amount, not the two twenty two because it's an indemnity policy.","start":408.605,"end":422.78,"sentiment":"neutral","sentiment_score":0.017777530875589167},{"text":"Correct.","start":427.96503,"end":428.46503,"sentiment":"neutral","sentiment_score":0.00191428791731596},{"text":"So I'm wanting to double check if we should maybe trim that back down to the base level, the $1.90, and trim down the premiums a bit.","start":428.52502,"end":436.14502,"sentiment":"neutral","sentiment_score":-0.01740198672093727}],"sentiment":"neutral","sentiment_score":0.04241050152402175,"num_words":114,"start":395.46,"end":436.14502},{"sentences":[{"text":"Cool.","start":437.80502,"end":438.30502,"sentiment":"positive","sentiment_score":0.4974534511566162},{"text":"You've got a ninety day waiting period, which is obviously the the lowest premiums you can kind of get.","start":438.445,"end":443.44,"sentiment":"neutral","sentiment_score":0.30875540485507563},{"text":"You gotta be out for a few months, then it kicks in.","start":443.44,"end":445.94,"sentiment":"neutral","sentiment_score":0.07135469000786543},{"text":"It's got a five year benefit period as well, so monthly for up to five years.","start":446.24,"end":450.97998,"sentiment":"neutral","sentiment_score":0.11088994273450226},{"text":"If an injury or illness lasts longer than five years, you're expecting the TPD, the big lump sum, to kick in then because it's not likely you're going back to work in the sixth year, if that makes sense.","start":451.04,"end":463.115,"sentiment":"neutral","sentiment_score":-0.06215564610484319}],"sentiment":"neutral","sentiment_score":0.07551990010529414,"num_words":87,"start":437.80502,"end":463.115},{"sentences":[{"text":"So if I trim down the premiums further, the only thing I can do is either shop around or try and get you down to two year benefit.","start":463.115,"end":469.775,"sentiment":"neutral","sentiment_score":0.03749726353479283},{"text":"But if you're happy with that 95, I can just trim it back then to the $1.90 and and show you what that looks like.","start":469.97,"end":476.79,"sentiment":"neutral","sentiment_score":0.2218993839621544},{"text":"Yeah.","start":484.215,"end":484.715,"sentiment":"neutral","sentiment_score":-0.07581502944231033},{"text":"Australia is one of those unfortunate basket cases where the last five to seven years, no one's income seems to have been keeping up with productivity and inflation.","start":485.015,"end":493.595,"sentiment":"negative","sentiment_score":-0.3926892238003867},{"text":"So the usual scenario no.","start":494.615,"end":496.45502,"sentiment":"neutral","sentiment_score":-0.15055600553750992}],"sentiment":"neutral","sentiment_score":-0.06007454420129458,"num_words":87,"start":463.115,"end":496.45502},{"sentences":[{"text":"With nothing.","start":496.45502,"end":497.095,"sentiment":"neutral","sentiment_score":-0.10202188417315483},{"text":"So the usual scenario where you get some slight bump ups and it's you don't have to apply for anything used to be great.","start":497.095,"end":503.34,"sentiment":"neutral","sentiment_score":-0.034367419158418976},{"text":"Now it just seems like you're paying for something you can't claim on.","start":503.34,"end":506.08,"sentiment":"neutral","sentiment_score":0.20494472636626318},{"text":"Cool.","start":508.06,"end":508.46,"sentiment":"positive","sentiment_score":0.5131245851516724},{"text":"So I'll do a bit of a trim now for that one.","start":508.46,"end":510.255,"sentiment":"neutral","sentiment_score":0.27467123543222743}],"sentiment":"neutral","sentiment_score":0.10470382740291265,"num_words":52,"start":496.45502,"end":510.255},{"sentences":[{"text":"The only cover you don't have is, like, trauma insurance for heart attack, stroke, and cancer, out of pocket only.","start":510.575,"end":516.115,"sentiment":"neutral","sentiment_score":-0.08142295945435762},{"text":"Most people just go, look.","start":516.815,"end":518.015,"sentiment":"neutral","sentiment_score":-0.03766939267516136},{"text":"If I had a heart attack, I'd go to the hospital.","start":518.015,"end":519.855,"sentiment":"neutral","sentiment_score":-0.06346424093300645},{"text":"Public systems are pretty good for that.","start":519.855,"end":521.615,"sentiment":"positive","sentiment_score":0.4388013780117035},{"text":"You don't have to get insurance for that one, But I do have to ask the question if you wanted a quote.","start":521.615,"end":526.63,"sentiment":"neutral","sentiment_score":0.018761106004769153}],"sentiment":"neutral","sentiment_score":0.014914479622474086,"num_words":65,"start":510.575,"end":526.63},{"sentences":[{"text":"Yeah.","start":536.45,"end":536.93,"sentiment":"neutral","sentiment_score":0.11513252556324004},{"text":"I understand and agree completely.","start":536.93,"end":538.87,"sentiment":"neutral","sentiment_score":0.2080504685640335},{"text":"So I'll update the portfolio and the insurances.","start":539.505,"end":541.84503,"sentiment":"neutral","sentiment_score":0.3099999651312828},{"text":"That one's nice and easy.","start":541.905,"end":543.205,"sentiment":"positive","sentiment_score":0.6760319828987121},{"text":"Estate planning wise, everything's looking pretty good.","start":545.10504,"end":547.265,"sentiment":"positive","sentiment_score":0.6176669086728778}],"sentiment":"positive","sentiment_score":0.4361235717168221,"num_words":26,"start":536.45,"end":547.265},{"sentences":[{"text":"You've got your beneficiary nominations in place.","start":547.265,"end":549.685,"sentiment":"positive","sentiment_score":0.38962627734456745},{"text":"You've got a will in place that's pretty up to date.","start":549.745,"end":554.29,"sentiment":"neutral","sentiment_score":0.2749654284932397},{"text":"When you put in place a will, do you remember if you put in place a power of attorney?","start":555.55,"end":558.85,"sentiment":"neutral","sentiment_score":0.07131145502391614},{"text":"That's alright.","start":566.095,"end":566.575,"sentiment":"neutral","sentiment_score":-0.03194499638630077},{"text":"Just I know it's a bit of a stretch, and it could have been a while ago.","start":566.575,"end":569.235,"sentiment":"neutral","sentiment_score":-0.18172571720445857}],"sentiment":"neutral","sentiment_score":0.07060168062577889,"num_words":56,"start":547.265,"end":569.235},{"sentences":[{"text":"It's just that one that, you know, if you're in hospital, can't act on your own behalf, it kind of skips the court stuff so someone can access bank accounts, talk to doctors on your behalf, which obviously would be your partner, but it just makes things a little bit quicker.","start":569.695,"end":582.16,"sentiment":"neutral","sentiment_score":-0.031041653936400133},{"text":"If it ever helps yeah.","start":584.45996,"end":586.69995,"sentiment":"neutral","sentiment_score":0.12102670669555664},{"text":"If you don't have one, there's a $25 power of attorney kit from the Aus Post It's government approved.","start":586.69995,"end":591.57495,"sentiment":"neutral","sentiment_score":0.04698359397681136},{"text":"Normally, you obviously want a will done properly, but those ones are pretty like, if I can't act, this person can.","start":592.27496,"end":597.735,"sentiment":"neutral","sentiment_score":-0.07263179791958205},{"text":"And in our state, it makes things a bit easier because it's combined into one.","start":599.95496,"end":603.31494,"sentiment":"neutral","sentiment_score":0.33162513077259065}],"sentiment":"neutral","sentiment_score":0.030304564626652514,"num_words":111,"start":569.695,"end":603.31494},{"sentences":[{"text":"So health and financial.","start":603.31494,"end":604.44,"sentiment":"neutral","sentiment_score":0.19767283275723457},{"text":"Beauty.","start":606.44,"end":606.94,"sentiment":"positive","sentiment_score":0.40190428495407104},{"text":"In terms of cash flow and debt management, that was the last goals I wanted to just have a look at is you're obviously doing a few trips planning, things like that, paying off the mortgage.","start":607.08,"end":616.78,"sentiment":"neutral","sentiment_score":0.18220161915653282},{"text":"Just having a look here.","start":617.705,"end":618.585,"sentiment":"neutral","sentiment_score":0.12893328964710235},{"text":"Anything else that you've got going on for cash flow the next few years?","start":618.585,"end":623.005,"sentiment":"neutral","sentiment_score":0.1296009479888848}],"sentiment":"neutral","sentiment_score":0.17018222709496816,"num_words":60,"start":603.31494,"end":623.005},{"sentences":[{"text":"That'll pay for already, flight wise?","start":638.76,"end":640.7,"sentiment":"neutral","sentiment_score":-0.07799644395709038},{"text":"Beautiful.","start":643.16,"end":643.66,"sentiment":"positive","sentiment_score":0.608849823474884},{"text":"Alrighty.","start":644.65497,"end":645.15497,"sentiment":"positive","sentiment_score":0.5086884498596191},{"text":"That's pretty easy, man.","start":645.21497,"end":646.495,"sentiment":"positive","sentiment_score":0.6176754683256149},{"text":"So what I can do from here is I will pop out this pack to you now to your Hotmail address just for the annual review.","start":646.495,"end":653.07495,"sentiment":"neutral","sentiment_score":0.26997036314927614}],"sentiment":"neutral","sentiment_score":0.2668287085467263,"num_words":38,"start":638.76,"end":653.07495},{"sentences":[{"text":"If you can have a look through and sign off on that if you're comfortable with us being listed as advisers, I'll get all that applied.","start":654.01495,"end":661.01,"sentiment":"neutral","sentiment_score":0.14997301623225212},{"text":"Over the next sort of week or two, I'll freshen up the portfolio and the insurance quotes, and I'll get some updated figures for you.","start":661.55,"end":668.58997,"sentiment":"neutral","sentiment_score":0.1867356963455677},{"text":"And then it's just a matter of another quick chat to run through that refresh statement of advice just to make sure you're happy to sign off on that one before we move everything around.","start":668.58997,"end":678.315,"sentiment":"neutral","sentiment_score":0.0820647561124393},{"text":"Awesome.","start":680.135,"end":680.615,"sentiment":"positive","sentiment_score":0.5190379619598389},{"text":"Any questions for me so far?","start":680.615,"end":682.155,"sentiment":"neutral","sentiment_score":0.2716396600008011}],"sentiment":"neutral","sentiment_score":0.14611648619976095,"num_words":93,"start":654.01495,"end":682.155},{"sentences":[{"text":"Awesome.","start":685.655,"end":686.155,"sentiment":"positive","sentiment_score":0.799059271812439},{"text":"I appreciate you taking the time this morning.","start":686.455,"end":688.26,"sentiment":"positive","sentiment_score":0.7954012006521225},{"text":"Just helps me kind of get that little bit of an updated understanding so the documents are accurate, and then I can have that through to you pretty soon as well.","start":688.64,"end":696.66,"sentiment":"positive","sentiment_score":0.5432502925395966},{"text":"Awesome.","start":698.48,"end":698.88,"sentiment":"positive","sentiment_score":0.46327173709869385},{"text":"I'll leave that pack with you.","start":698.88,"end":700.0,"sentiment":"positive","sentiment_score":0.33862898250420886}],"sentiment":"positive","sentiment_score":0.56378879952938,"num_words":47,"start":685.655,"end":700.0},{"sentences":[{"text":"Give us a call if you have any trouble with that new OdooSign that we're using.","start":700.0,"end":704.315,"sentiment":"neutral","sentiment_score":0.1685104356147349},{"text":"It's pretty straightforward.","start":704.315,"end":705.375,"sentiment":"neutral","sentiment_score":0.23512581487496695},{"text":"You you hop on, scroll to the bottom of the documents, and it will have a little stampy signature here.","start":705.435,"end":710.735,"sentiment":"neutral","sentiment_score":0.09741163365542889},{"text":"Next document to skip through the service guides and ones that don't require signatures.","start":710.795,"end":715.375,"sentiment":"neutral","sentiment_score":0.038404173616852076},{"text":"And just to quickly let you know for compliance purposes, so you've got certificates for all the insurance performance summary, new service guide with us.","start":716.07,"end":724.73004,"sentiment":"neutral","sentiment_score":0.18840710043907166}],"sentiment":"neutral","sentiment_score":0.135866833707461,"num_words":78,"start":700.0,"end":724.73004},{"sentences":[{"text":"The only two to sign is a ongoing service agreement with Hub, and we have included a third party authority for your partner if you would like her to be able to call up and and obtain details on your behalf just so there's a a flow of communication for both of you guys.","start":724.79004,"end":741.965,"sentiment":"neutral","sentiment_score":0.21076466446673428},{"text":"Is that okay?","start":741.965,"end":742.68,"sentiment":"neutral","sentiment_score":0.12675088147322336},{"text":"Yeah.","start":754.36,"end":754.86,"sentiment":"neutral","sentiment_score":-0.3197241425514221},{"text":"Easy down.","start":757.095,"end":757.735,"sentiment":"neutral","sentiment_score":-0.10673925280570984},{"text":"So as soon as well, to be honest, mate, with a lot of the not that you guys are in that bucket, with all the separations going on, the amount of family conflicts that we see is just increasing with that boomer generation.","start":757.735,"end":771.2,"sentiment":"neutral","sentiment_score":-0.08807481305543767}],"sentiment":"neutral","sentiment_score":0.07224393122404524,"num_words":103,"start":724.79004,"end":771.2},{"sentences":[{"text":"It's just every year, it seems to get worse and worse with family disputes.","start":771.2,"end":774.5,"sentiment":"neutral","sentiment_score":-0.28387661491121563},{"text":"But if you give us a little tick off on that one, then we'll keep that on file, and we're good to go.","start":774.96,"end":780.02,"sentiment":"neutral","sentiment_score":0.22978781681993735},{"text":"Amazing.","start":782.33496,"end":782.65497,"sentiment":"positive","sentiment_score":0.7699872255325317},{"text":"Thank you so much for your time, and I will touch base in a couple of weeks.","start":782.65497,"end":786.195,"sentiment":"positive","sentiment_score":0.7558914773604449},{"text":"Have a great week, mate.","start":787.77496,"end":788.735,"sentiment":"positive","sentiment_score":0.770539665222168}],"sentiment":"neutral","sentiment_score":0.3130614640812079,"num_words":60,"start":771.2,"end":788.735},{"sentences":[{"text":"Cheers.","start":788.735,"end":789.235,"sentiment":"positive","sentiment_score":0.6356041431427002},{"text":"Bye.","start":790.815,"end":791.315,"sentiment":"neutral","sentiment_score":-0.10047734528779984}],"sentiment":"neutral","sentiment_score":0.2675633989274502,"num_words":2,"start":788.735,"end":791.315}]}}]},{"alternatives":[{"transcript":"Hello. Luke speaking. Good. Thanks. How are you? No. I'm just part of the Gold Coast. You're at it's overcast and raining. I thought it'd be. Yeah. Oh, you must be at the northern end because, yeah, it's it's coming your way that way. 100%. Go. Mhmm. Yeah. It's fine. Yep. Twelve seven thirty one and twenty eight Brianna Court. Yeah. It's fine. Mhmm. Mhmm. Everything's the same. Same as when you respect me last or someone respect me last. Mhmm. Yep. Yep. No. That's about right. I think a bit over time whenever the two is a bit over that. But, yeah, that's about the best. Yeah. Yep. Yeah. It'll be more than that owing. I think that was wrong. I think it was we went up there that last time. I don't know. I'm not sure if that got done or not. I don't know what the current estimation is for what's going, but it's definitely a lot more than that. Sure. Mhmm. Mhmm. Yes. I mean, I I yeah. We're we're trying to trying to make a bit more money. It would have been just on a super safe side of things, but everything every year after year seems to be that some sort of disaster happens and the market goes a little stupid. You're like, oh, can you just give me one year where everything's just great? But it doesn't doesn't seem to be happening this day. Yeah. That's right. Yeah. Yeah. Absolutely. Yep. Yep. Yep. Okay. Yes, ma'am. Yep. Yeah. That's great. Yeah. That's fine. I'll just whatever you think is good. I'll let's how do you guys sort that out? I I don't really know anything about it, so you could be telling me anything right about now. As long as I'm getting some as long as my money is doing something, I'm happy. Nah. Nah. Nah. That's all perfect. Mhmm. Yeah. That's fine. Mhmm. Yep. Yeah. Mhmm. Yeah. Some some some payment premium on something I can't can't get anywhere. That's what you're saying. Yeah. It won't yeah. It won't it won't it back for sure. Yeah. Definitely. Mhmm. Yep. Mhmm. Yeah. Yep. Yeah. Just see what that looks like. And, yeah, it's a bit cheeky of them. Which one I've paid? Did you guys have much every year? But but Or anything here. Yep. Yeah. Absolutely. Yep. Mhmm. Mhmm. Mhmm. No. No. Just leave it as it is. It's one of the things that's it is insurance at the end of the day. I wanna have to have it use it. Do you know what I'm saying? Yep. No. I I don't I wouldn't be able to say yes or no, to be honest. Yeah. Yep. Yeah. Sure. I can look into it. Yeah. Sure. Yeah. Hold on. Yep. No. We've just we've just been to see the house now. But other than that, the next thing is just to to pan trip in March. So, yeah, it's all painful here. Mhmm. Yeah. Sure. Nah. It's all feeling pretty good, mate. Pretty straightforward, really. Yep. No worries. Mhmm. Yep. Yep. Yeah. That's fine. It's great. Yeah. It's pain in the ass when they can't you know, you've we've been married for about fifteen years, and then you've got stuff in joint names, and then she can't ring and ask the questions. It's just annoying. You know? I understand why they do do it, but, yeah, it's easy if they can. Yeah. Yep. Yeah. That's great. Alright. Yep. Sounds good. Yeah. You too. Cheers, mate. 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Luke speaking. Good. Thanks. How are you?\n\nNo. I'm just part of the Gold Coast. You're at it's overcast and raining. I thought it'd be. Yeah.\n\nOh, you must be at the northern end because, yeah, it's it's coming your way that way. 100%. Go. Mhmm. Yeah.\n\nIt's fine. Yep. Twelve seven thirty one and twenty eight Brianna Court. Yeah. It's fine.\n\nMhmm. Mhmm. Everything's the same. Same as when you respect me last or someone respect me last. Mhmm.\n\nYep. Yep. No. That's about right. I think a bit over time whenever the two is a bit over that.\n\nBut, yeah, that's about the best. Yeah. Yep. Yeah. It'll be more than that owing.\n\nI think that was wrong. I think it was we went up there that last time. I don't know. I'm not sure if that got done or not. I don't know what the current estimation is for what's going, but it's definitely a lot more than that.\n\nSure. Mhmm. Mhmm. Yes. I mean, I I yeah.\n\nWe're we're trying to trying to make a bit more money. It would have been just on a super safe side of things, but everything every year after year seems to be that some sort of disaster happens and the market goes a little stupid. You're like, oh, can you just give me one year where everything's just great? But it doesn't doesn't seem to be happening this day. Yeah.\n\nThat's right. Yeah. Yeah. Absolutely. Yep.\n\nYep. Yep. Okay. Yes, ma'am. Yep.\n\nYeah. That's great. Yeah. That's fine. I'll just whatever you think is good.\n\nI'll let's how do you guys sort that out? I I don't really know anything about it, so you could be telling me anything right about now. As long as I'm getting some as long as my money is doing something, I'm happy. Nah. Nah.\n\nNah. That's all perfect. Mhmm. Yeah. That's fine.\n\nMhmm. Yep. Yeah. Mhmm. Yeah.\n\nSome some some payment premium on something I can't can't get anywhere. That's what you're saying. Yeah. It won't yeah. It won't it won't it back for sure.\n\nYeah. Definitely. Mhmm. Yep. Mhmm.\n\nYeah. Yep. Yeah. Just see what that looks like. And, yeah, it's a bit cheeky of them.\n\nWhich one I've paid? Did you guys have much every year? But but Or anything here. Yep. Yeah.\n\nAbsolutely. Yep. Mhmm. Mhmm. Mhmm.\n\nNo. No. Just leave it as it is. It's one of the things that's it is insurance at the end of the day. I wanna have to have it use it.\n\nDo you know what I'm saying? Yep. No. I I don't I wouldn't be able to say yes or no, to be honest. Yeah.\n\nYep. Yeah. Sure. I can look into it. Yeah.\n\nSure. Yeah. Hold on. Yep. No.\n\nWe've just we've just been to see the house now. But other than that, the next thing is just to to pan trip in March. So, yeah, it's all painful here. Mhmm. Yeah.\n\nSure. Nah. It's all feeling pretty good, mate. Pretty straightforward, really. Yep.\n\nNo worries. Mhmm. Yep. Yep. Yeah.\n\nThat's fine. It's great. Yeah. It's pain in the ass when they can't you know, you've we've been married for about fifteen years, and then you've got stuff in joint names, and then she can't ring and ask the questions. It's just annoying.\n\nYou know? I understand why they do do it, but, yeah, it's easy if they can. Yeah. Yep. Yeah.\n\nThat's great. Alright. Yep. Sounds good. Yeah.\n\nYou too. Cheers, mate. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.96,"end":1.36,"sentiment":"neutral","sentiment_score":0.0336083360016346},{"text":"Luke speaking.","start":1.36,"end":2.1,"sentiment":"neutral","sentiment_score":0.025459925644099712},{"text":"Good.","start":6.24,"end":6.48,"sentiment":"positive","sentiment_score":0.5482624769210815},{"text":"Thanks.","start":6.48,"end":6.72,"sentiment":"positive","sentiment_score":0.60738605260849},{"text":"How are you?","start":6.72,"end":7.46,"sentiment":"positive","sentiment_score":0.39720578988393146}],"sentiment":"neutral","sentiment_score":0.3039742608089,"num_words":8,"start":0.96,"end":7.46},{"sentences":[{"text":"No.","start":11.84,"end":12.0,"sentiment":"neutral","sentiment_score":-0.1178174763917923},{"text":"I'm just part of the Gold Coast.","start":12.0,"end":13.04,"sentiment":"neutral","sentiment_score":-0.04752185967351709},{"text":"You're at it's overcast and 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anywhere.","start":421.975,"end":427.28998,"sentiment":"neutral","sentiment_score":-0.13492495908091465},{"text":"That's what you're saying.","start":427.28998,"end":428.43,"sentiment":"neutral","sentiment_score":-0.07966250833123922},{"text":"Yeah.","start":429.37,"end":429.87,"sentiment":"neutral","sentiment_score":-0.00902906246483326},{"text":"It won't yeah.","start":433.37,"end":434.13,"sentiment":"neutral","sentiment_score":-0.049924527605374656},{"text":"It won't it won't it back for sure.","start":434.13,"end":435.63,"sentiment":"neutral","sentiment_score":-0.0415773990098387}],"sentiment":"neutral","sentiment_score":-0.0867561207019857,"num_words":28,"start":421.975,"end":435.63},{"sentences":[{"text":"Yeah.","start":436.26498,"end":436.585,"sentiment":"neutral","sentiment_score":0.11606306582689284},{"text":"Definitely.","start":436.585,"end":437.085,"sentiment":"neutral","sentiment_score":0.3301611840724945},{"text":"Mhmm.","start":444.185,"end":444.685,"sentiment":"neutral","sentiment_score":0.058806683868169785},{"text":"Yep.","start":446.105,"end":446.605,"sentiment":"neutral","sentiment_score":0.18475691974163055},{"text":"Mhmm.","start":449.465,"end":449.965,"sentiment":"neutral","sentiment_score":0.05556773766875267}],"sentiment":"neutral","sentiment_score":0.14907111823558808,"num_words":5,"start":436.26498,"end":449.965},{"sentences":[{"text":"Yeah.","start":460.05,"end":460.55,"sentiment":"neutral","sentiment_score":0.002398889511823654},{"text":"Yep.","start":461.65,"end":462.15,"sentiment":"neutral","sentiment_score":0.012352637015283108},{"text":"Yeah.","start":476.94998,"end":477.27,"sentiment":"neutral","sentiment_score":0.02879161573946476},{"text":"Just see what that looks like.","start":477.27,"end":478.38998,"sentiment":"neutral","sentiment_score":-0.04717870429158211},{"text":"And, yeah, it's a bit cheeky of them.","start":478.38998,"end":480.47,"sentiment":"neutral","sentiment_score":-0.3267767205834389}],"sentiment":"neutral","sentiment_score":-0.16786722636179013,"num_words":17,"start":460.05,"end":480.47},{"sentences":[{"text":"Which one I've paid?","start":480.47,"end":481.19,"sentiment":"neutral","sentiment_score":-0.08116917219012976},{"text":"Did you guys have much every year?","start":481.19,"end":482.71,"sentiment":"neutral","sentiment_score":-0.06298514136246272},{"text":"But but Or anything here.","start":482.71,"end":495.655,"sentiment":"neutral","sentiment_score":-0.11771689057350158},{"text":"Yep.","start":502.755,"end":503.255,"sentiment":"neutral","sentiment_score":0.15795651078224182},{"text":"Yeah.","start":506.32,"end":506.64,"sentiment":"neutral","sentiment_score":0.266895055770874}],"sentiment":"neutral","sentiment_score":-0.051628086922897234,"num_words":18,"start":480.47,"end":506.64},{"sentences":[{"text":"Absolutely.","start":506.64,"end":507.14,"sentiment":"positive","sentiment_score":0.5152289271354675},{"text":"Yep.","start":510.4,"end":510.9,"sentiment":"neutral","sentiment_score":0.12700006365776062},{"text":"Mhmm.","start":515.12,"end":515.62,"sentiment":"neutral","sentiment_score":-0.04932570829987526},{"text":"Mhmm.","start":522.405,"end":522.905,"sentiment":"neutral","sentiment_score":0.00020703114569187164},{"text":"Mhmm.","start":527.125,"end":527.445,"sentiment":"neutral","sentiment_score":0.008681809529662132}],"sentiment":"neutral","sentiment_score":0.12035842463374138,"num_words":5,"start":506.64,"end":527.445},{"sentences":[{"text":"No.","start":527.445,"end":527.765,"sentiment":"neutral","sentiment_score":-0.10842163860797882},{"text":"No.","start":527.765,"end":527.925,"sentiment":"neutral","sentiment_score":-0.14044705033302307},{"text":"Just leave it as it is.","start":527.925,"end":529.28503,"sentiment":"neutral","sentiment_score":-0.1429154040912787},{"text":"It's one of the things that's it is insurance at the end of the day.","start":529.28503,"end":532.745,"sentiment":"neutral","sentiment_score":-0.054330796003341675},{"text":"I wanna have to have it use it.","start":533.93,"end":535.13,"sentiment":"neutral","sentiment_score":0.012611428275704384}],"sentiment":"neutral","sentiment_score":-0.05872360088171497,"num_words":31,"start":527.445,"end":535.13},{"sentences":[{"text":"Do you know what I'm saying?","start":535.13,"end":536.02997,"sentiment":"neutral","sentiment_score":-0.027921614858011406},{"text":"Yep.","start":539.29,"end":539.79,"sentiment":"neutral","sentiment_score":0.23779070377349856},{"text":"No.","start":562.61,"end":562.93,"sentiment":"neutral","sentiment_score":-0.19866763055324552},{"text":"I I don't I wouldn't be able to say yes or no, to be honest.","start":562.93,"end":565.67,"sentiment":"neutral","sentiment_score":-0.23586722314357758},{"text":"Yeah.","start":578.645,"end":579.145,"sentiment":"neutral","sentiment_score":0.016149340197443962}],"sentiment":"neutral","sentiment_score":-0.15209440095350146,"num_words":24,"start":535.13,"end":579.145},{"sentences":[{"text":"Yep.","start":580.485,"end":580.985,"sentiment":"neutral","sentiment_score":0.08006985485553741},{"text":"Yeah.","start":582.485,"end":582.885,"sentiment":"neutral","sentiment_score":0.09989866614341736},{"text":"Sure.","start":582.885,"end":583.385,"sentiment":"neutral","sentiment_score":0.14497582614421844},{"text":"I can look into it.","start":584.645,"end":585.865,"sentiment":"neutral","sentiment_score":0.11103160083293914},{"text":"Yeah.","start":597.89,"end":598.29004,"sentiment":"neutral","sentiment_score":0.11601695418357848}],"sentiment":"neutral","sentiment_score":0.11067992283238305,"num_words":9,"start":580.485,"end":598.29004},{"sentences":[{"text":"Sure.","start":598.29004,"end":598.79004,"sentiment":"neutral","sentiment_score":0.19244468212127688},{"text":"Yeah.","start":605.085,"end":605.325,"sentiment":"neutral","sentiment_score":0.31743842363357544},{"text":"Hold on.","start":605.325,"end":617.325,"sentiment":"neutral","sentiment_score":0.256252646446228},{"text":"Yep.","start":617.325,"end":617.825,"sentiment":"neutral","sentiment_score":0.1262906789779663},{"text":"No.","start":625.12,"end":625.44,"sentiment":"neutral","sentiment_score":-0.1115398406982422}],"sentiment":"neutral","sentiment_score":0.17285653948783875,"num_words":6,"start":598.29004,"end":625.44},{"sentences":[{"text":"We've just we've just been to see the house now.","start":625.44,"end":629.36,"sentiment":"neutral","sentiment_score":-0.06071198955178261},{"text":"But other than that, the next thing is just to to pan trip in March.","start":629.36,"end":636.47504,"sentiment":"neutral","sentiment_score":-0.04164593641956647},{"text":"So, yeah, it's all painful here.","start":640.53503,"end":642.47504,"sentiment":"neutral","sentiment_score":-0.271558441221714},{"text":"Mhmm.","start":653.52,"end":654.02,"sentiment":"neutral","sentiment_score":0.09321419894695282},{"text":"Yeah.","start":678.6,"end":678.83997,"sentiment":"neutral","sentiment_score":0.12431121617555618}],"sentiment":"neutral","sentiment_score":-0.08011012648542722,"num_words":33,"start":625.44,"end":678.83997},{"sentences":[{"text":"Sure.","start":678.83997,"end":679.33997,"sentiment":"neutral","sentiment_score":0.19183966517448425},{"text":"Nah.","start":682.27997,"end":682.6,"sentiment":"neutral","sentiment_score":0.31888508796691895},{"text":"It's all feeling pretty good, mate.","start":682.6,"end":683.95996,"sentiment":"positive","sentiment_score":0.6393998563289642},{"text":"Pretty straightforward, really.","start":683.95996,"end":685.18,"sentiment":"positive","sentiment_score":0.6974820693333944},{"text":"Yep.","start":693.825,"end":694.325,"sentiment":"positive","sentiment_score":0.43248265981674194}],"sentiment":"positive","sentiment_score":0.5726710632443428,"num_words":12,"start":678.83997,"end":694.325},{"sentences":[{"text":"No worries.","start":696.865,"end":697.605,"sentiment":"neutral","sentiment_score":0.2378172129392624},{"text":"Mhmm.","start":704.465,"end":704.965,"sentiment":"neutral","sentiment_score":0.17496582865715027},{"text":"Yep.","start":713.86,"end":714.36,"sentiment":"neutral","sentiment_score":0.05805475637316704},{"text":"Yep.","start":715.77997,"end":716.27997,"sentiment":"neutral","sentiment_score":0.1087573915719986},{"text":"Yeah.","start":742.85,"end":743.17,"sentiment":"neutral","sentiment_score":0.1319406032562256}],"sentiment":"neutral","sentiment_score":0.1582255009561777,"num_words":6,"start":696.865,"end":743.17},{"sentences":[{"text":"That's fine.","start":743.17,"end":743.64996,"sentiment":"neutral","sentiment_score":0.26795651763677597},{"text":"It's great.","start":743.64996,"end":744.05,"sentiment":"positive","sentiment_score":0.5247710943222046},{"text":"Yeah.","start":744.05,"end":744.29,"sentiment":"neutral","sentiment_score":-0.12954887747764587},{"text":"It's pain in the ass when they can't you know, you've we've been married for about fifteen years, and then you've got stuff in joint names, and then she can't ring and ask the questions.","start":744.29,"end":753.565,"sentiment":"neutral","sentiment_score":-0.32634352445602416},{"text":"It's just annoying.","start":754.185,"end":755.22504,"sentiment":"negative","sentiment_score":-0.4230214059352875}],"sentiment":"neutral","sentiment_score":-0.2612832843564277,"num_words":43,"start":743.17,"end":755.22504},{"sentences":[{"text":"You know?","start":755.22504,"end":755.805,"sentiment":"neutral","sentiment_score":-0.1848437264561653},{"text":"I understand why they do do it, but, yeah, it's easy if they can.","start":757.145,"end":761.72504,"sentiment":"neutral","sentiment_score":-0.058139574847051075},{"text":"Yeah.","start":770.20996,"end":770.70996,"sentiment":"neutral","sentiment_score":-0.03470733016729355},{"text":"Yep.","start":774.93,"end":775.43,"sentiment":"neutral","sentiment_score":0.02439628168940544},{"text":"Yeah.","start":780.13495,"end":780.45496,"sentiment":"positive","sentiment_score":0.3651634156703949}],"sentiment":"neutral","sentiment_score":-0.04362048071465994,"num_words":19,"start":755.22504,"end":780.45496},{"sentences":[{"text":"That's great.","start":780.45496,"end":781.01495,"sentiment":"positive","sentiment_score":0.7034130692481995},{"text":"Alright.","start":781.01495,"end":781.51495,"sentiment":"positive","sentiment_score":0.642410397529602},{"text":"Yep.","start":786.3349,"end":786.6549,"sentiment":"positive","sentiment_score":0.4583656191825866},{"text":"Sounds good.","start":786.6549,"end":787.4749,"sentiment":"positive","sentiment_score":0.7299700677394867},{"text":"Yeah.","start":788.9749,"end":789.2949,"sentiment":"positive","sentiment_score":0.36138254404067993}],"sentiment":"positive","sentiment_score":0.6184178335326058,"num_words":7,"start":780.45496,"end":789.2949},{"sentences":[{"text":"You too.","start":789.2949,"end":789.7749,"sentiment":"positive","sentiment_score":0.36101989448070526},{"text":"Cheers, mate.","start":789.7749,"end":790.1749,"sentiment":"positive","sentiment_score":0.4613618850708008},{"text":"Bye.","start":790.1749,"end":790.6749,"sentiment":"neutral","sentiment_score":0.2835104465484619}],"sentiment":"positive","sentiment_score":0.3856548011302948,"num_words":5,"start":789.2949,"end":790.6749}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Luke speaking.\n\nChannel 0: Luke, good morning. It's Tommy here, senior adviser. Mate, how are you doing?\n\nChannel 1: Good. Thanks. How are you?\n\nChannel 0: I'm living the dream. It's a beautiful day on the Gold Coast. What about your end?\n\nChannel 1: No. I'm just part of the Gold Coast. You're at it's overcast and raining. I\n\nChannel 0: Mate, we're\n\nChannel 1: thought\n\nChannel 0: it's coming.\n\nChannel 1: it'd be. Yeah.\n\nChannel 0: I'm enjoying the last couple hours of sun that I can before\n\nChannel 1: Oh, you must be at the northern end because, yeah, it's it's coming your way that way.\n\nChannel 0: yeah. Absolutely. But we make the most of the morning, mate. And then the afternoon, I'm in office, so it's all good.\n\nChannel 1: 100%.\n\nChannel 0: Mate, I've got a couple of things run by you today from some previous advice to kind of update your circumstances, see\n\nChannel 1: Go.\n\nChannel 0: what we wanna do strategy wise.\n\nChannel 1: Mhmm.\n\nChannel 0: Have you got about 15 for me today?\n\nChannel 1: Yeah. It's fine.\n\nChannel 0: Sensational. I'll just go through a quick security check with you. Just need your date of birth and address, please.\n\nChannel 1: Yep. Twelve seven thirty one and twenty eight Brianna\n\nChannel 0: Sensational. And I'm registered with Asica's\n\nChannel 1: Court.\n\nChannel 0: adviser 1273105. Are you okay for the call to be recorded?\n\nChannel 1: Yeah. It's fine.\n\nChannel 0: Beautiful. So a couple of emails I've got. I've got a bit of an annual review pack\n\nChannel 1: Mhmm.\n\nChannel 0: to send out to you, just the usual kind of twelve month updates on the super and the insurances. And then I've\n\nChannel 1: Mhmm.\n\nChannel 0: just been going through some advice that Kyle had sent out to you for a few changes. The first thing I wanted to do is just quickly check with you, a, how you've been going and if you've had any major changes in circumstances or goals at the moment.\n\nChannel 1: Everything's the same. Same as when you respect me last or someone respect me last.\n\nChannel 0: Beautiful. So everything's just continuing on its merry way. So what I'll do, I'm just gonna quickly touch on the details that I've got. Let me know if all of this still sounds accurate. We've got married with two children, underground fitter.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: We've got email addresses still the Hotmail address is still okay.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. We've just obviously had the tax time. I think we had your income at around a 190. Has that changed much?\n\nChannel 1: No. That's about right. I think a bit over time whenever the two is a bit over that. But, yeah, that's about the best.\n\nChannel 0: Yep. Fluctuates a little bit above that, but, otherwise, $1.90 is the the sort of baseline.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. And assets and liabilities wise, we just had the home and the car.\n\nChannel 1: Yep.\n\nChannel 0: We had you kind of getting close to paying off. It had about $2.50 owing and about 1.1 mil on the valuation.\n\nChannel 1: Yeah. It'll be more than that owing. I think that was wrong. I think it was we went up there that last time. I don't know.\n\nI'm not sure if that got done or not. I don't\n\nChannel 0: Gotcha.\n\nChannel 1: know what\n\nChannel 0: Gotcha.\n\nChannel 1: the current\n\nChannel 0: Gotcha.\n\nChannel 1: estimation is for what's going, but it's definitely a lot more than that.\n\nChannel 0: Bit more than $2.50 k. I'll just make a little note of that one. So in terms of the hub and the attached insurances,\n\nChannel 1: Sure.\n\nChannel 0: we've got\n\nChannel 1: Mhmm.\n\nChannel 0: you in kinda like a growth risk profile, four out of five on the risk scale. You're aiming for around about 80% in terms of, like, shares, property, and gold, 20 in the safer side of things. Does that ring a bell?\n\nChannel 1: Mhmm. Yes. I mean, I I yeah. We're we're trying to trying to make a bit more money. It would have been just on a super safe side of things, but everything every year after year seems to be that some sort of disaster happens and the market goes a little stupid.\n\nYou're like, oh, can you just give me one year where everything's just great? But it doesn't\n\nChannel 0: Oh,\n\nChannel 1: doesn't\n\nChannel 0: man.\n\nChannel 1: seem\n\nChannel 0: I'm coming\n\nChannel 1: to be happening\n\nChannel 0: on '13\n\nChannel 1: this\n\nChannel 0: years\n\nChannel 1: day.\n\nChannel 0: in history, and it's it seems to be the law of averages where\n\nChannel 1: Yeah.\n\nChannel 0: you just gotta kind of take those hits and still try and get the above benchmark returns, factoring\n\nChannel 1: That's right.\n\nChannel 0: in\n\nChannel 1: Yeah.\n\nChannel 0: the world exploding every three to seven years.\n\nChannel 1: Yeah. Absolutely.\n\nChannel 0: One of the things that we were looking to do, which I'm still quite keen to to move along with, is some updates to some of the investments. So one of the main underperformers inside the portfolio was a Bennelong option, which hasn't been doing too good. Everything else has been pretty well on the double digit side of things. So returns are looking\n\nChannel 1: Yep.\n\nChannel 0: good across the portfolio. There is a change that the government's making to one of your safe investments. It's kind of like a term deposit or a bond if you're familiar with those terms.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So one of them is a bank hybrids, which the government's kind of phasing those out next year, where it's one of\n\nChannel 1: Okay.\n\nChannel 0: these really strange things where a term deposit bond turns into a bit of a share, and they just went, look. This is too complicated. It kinda sounds like another global financial crisis waiting to happen. So we're just getting ahead of that one and got a few other sort of bond options to switch it in for, if that's alright.\n\nChannel 1: Yes, ma'am.\n\nChannel 0: One of the things that Carl was recommending was going for a little bit more of a lower fee portfolio to kind of replace some of the underperforming options with some low fee index funds. Still ETFs, so still brokerage fees to purchase them, but it reduces the fees by, like, 80%. And it gets your returns back up into that kind of, like, your benchmark for growth is 9% or above, and we're still aiming for somewhere between the kind of 12 to 16% mark with that\n\nChannel 1: Yep.\n\nChannel 0: portfolio.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: That's great.\n\nChannel 0: I wanna double check if you're okay for me to kind of just refresh those figures and get that sent out to you.\n\nChannel 1: Yeah. That's fine. I'll just whatever you think is good. I'll let's how do you guys sort that out? I I don't really know anything about it, so you could be telling me anything right about now.\n\nAs long as I'm getting some as long as my money is doing something, I'm\n\nChannel 0: Fantastic. And no major issues from anything I've\n\nChannel 1: happy.\n\nChannel 0: said so far? Anything that's a red flag or anything that's concerning for you?\n\nChannel 1: Nah. Nah. Nah. That's all perfect.\n\nChannel 0: Beautiful. So I'll get that one updated. We factored in, obviously, insurance premiums into those projections, and I'll update the performance and everything like that. We still have, you and Cass on partner fee discount of 1.1% with Oakview, which I\n\nChannel 1: Mhmm.\n\nChannel 0: believe has, expired the consent on Hub. So I was gonna send that out with the annual review pack if that's okay as well.\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: For the Clearview, just wanna quickly double check something. So you've got just under 1.2 mil worth of life and disability insurance, which is the lump\n\nChannel 1: Mhmm.\n\nChannel 0: sums. If you pass away, you can never work again. Obviously, that clears well and truly the debt unless you've you've increased above a million dollars. The total premiums for those two are under $2, which is looking pretty good. It's the income protection I wanted to run by you.\n\nWe've\n\nChannel 1: Yep.\n\nChannel 0: got 13,000 a month worth of cover. Now normally, that's based on a on a percentage. So if I work that back because they increase it every year, it's kind of a cheap way to get more cover expecting your income to increase every year.\n\nChannel 1: Yeah.\n\nChannel 0: You're protecting an income of around about 222,000. So all I wanted to flag is that if for some reason you handed in a tax return and went to claim on it and you'd only earn $1.90 or 200, they would pay you 70% of that amount, not the two twenty two because\n\nChannel 1: Mhmm.\n\nChannel 0: it's an\n\nChannel 1: Yeah.\n\nChannel 0: indemnity\n\nChannel 1: Some some\n\nChannel 0: policy.\n\nChannel 1: some payment premium on something I can't can't get anywhere. That's what you're saying.\n\nChannel 0: Correct. So I'm wanting\n\nChannel 1: Yeah.\n\nChannel 0: to double check if we should maybe trim that back down to the base level, the $1.90,\n\nChannel 1: It won't yeah. It\n\nChannel 0: and\n\nChannel 1: won't it won't\n\nChannel 0: trim\n\nChannel 1: it\n\nChannel 0: down\n\nChannel 1: back\n\nChannel 0: the\n\nChannel 1: for\n\nChannel 0: premiums\n\nChannel 1: sure.\n\nChannel 0: a bit.\n\nChannel 1: Yeah. Definitely.\n\nChannel 0: Cool. You've got a ninety day waiting period, which is obviously the the lowest premiums you can kind of get. You gotta be out for\n\nChannel 1: Mhmm.\n\nChannel 0: a few months, then it kicks in.\n\nChannel 1: Yep.\n\nChannel 0: It's got a five year benefit period as well, so monthly\n\nChannel 1: Mhmm.\n\nChannel 0: for up to five years. If an injury or illness lasts longer than five years, you're expecting the TPD, the big lump sum, to kick in then because it's not likely you're going back to work in the sixth\n\nChannel 1: Yeah.\n\nChannel 0: year, if that makes\n\nChannel 1: Yep.\n\nChannel 0: sense. So if I trim down the premiums further, the only thing I can do is either shop around or try and get you down to two year benefit. But if you're happy with that 95, I can just trim it back then to the $1.90 and and show you what that looks like.\n\nChannel 1: Yeah. Just see what that looks like. And, yeah, it's a bit cheeky of them. Which one I've paid? Did you guys have much every year?\n\nBut but\n\nChannel 0: Yeah. Australia is one of those unfortunate basket cases where the last five to seven years, no one's income seems to have been keeping up with productivity and inflation.\n\nChannel 1: Or\n\nChannel 0: So\n\nChannel 1: anything\n\nChannel 0: the usual\n\nChannel 1: here.\n\nChannel 0: scenario no. With nothing. So the usual scenario where you get some slight bump ups and it's you don't have to apply for anything used to be\n\nChannel 1: Yep.\n\nChannel 0: great. Now it just seems like you're paying for something you can't claim on.\n\nChannel 1: Yeah. Absolutely.\n\nChannel 0: Cool. So I'll do a bit of a trim now for that one.\n\nChannel 1: Yep.\n\nChannel 0: The only cover you don't have is, like, trauma insurance for heart attack, stroke, and cancer, out of\n\nChannel 1: Mhmm.\n\nChannel 0: pocket only. Most people just go, look. If I had a heart attack, I'd go to the hospital. Public systems are pretty good for that. You don't have to\n\nChannel 1: Mhmm.\n\nChannel 0: get insurance for that one, But I do have to ask the question if you wanted a quote.\n\nChannel 1: Mhmm. No. No. Just leave it as it is. It's one of the things that's it is insurance at the end of the day.\n\nI wanna have to have it use it. Do you know what I'm saying?\n\nChannel 0: Yeah. I understand and agree completely.\n\nChannel 1: Yep.\n\nChannel 0: So I'll update the portfolio and the insurances. That one's nice and easy. Estate planning wise, everything's looking pretty good. You've got your beneficiary nominations in place. You've got a will in place that's pretty up to date.\n\nWhen you put in place a will, do you remember if you put in place a power of attorney?\n\nChannel 1: No. I I don't I wouldn't be able to say yes or no, to be honest.\n\nChannel 0: That's alright. Just I know it's a bit of a stretch, and it could have been a while ago. It's just that one that, you know, if you're in hospital, can't act on your own behalf, it kind of skips the court stuff so someone can access bank accounts, talk to doctors on your behalf, which obviously\n\nChannel 1: Yeah.\n\nChannel 0: would be your partner, but it just\n\nChannel 1: Yep.\n\nChannel 0: makes things a little bit quicker.\n\nChannel 1: Yeah. Sure.\n\nChannel 0: If\n\nChannel 1: I\n\nChannel 0: it ever\n\nChannel 1: can look\n\nChannel 0: helps\n\nChannel 1: into it.\n\nChannel 0: yeah. If you don't have one, there's a $25 power of attorney kit from the Aus Post It's government approved. Normally, you obviously want a will done properly, but those ones are pretty like, if I can't act, this person can.\n\nChannel 1: Yeah. Sure.\n\nChannel 0: And in our state, it makes things a bit easier because it's combined into one. So health and financial.\n\nChannel 1: Yeah. Hold\n\nChannel 0: Beauty. In terms of cash flow and debt management, that was the last goals I wanted to just have a look at is you're obviously doing a few trips planning, things like that, paying off the mortgage.\n\nChannel 1: on. Yep.\n\nChannel 0: Just having a look here. Anything else that you've got going on for cash flow the next few years?\n\nChannel 1: No. We've just we've just been to see the house now. But other than that, the next thing is just to to pan trip in March.\n\nChannel 0: That'll pay for already, flight wise?\n\nChannel 1: So, yeah, it's all painful here.\n\nChannel 0: Beautiful. Alrighty. That's pretty easy, man. So what I can do from here is I will pop out this pack to you now to your Hotmail address just for the annual review.\n\nChannel 1: Mhmm.\n\nChannel 0: If you can have a look through and sign off on that if you're comfortable with us being listed as advisers, I'll get all that applied. Over the next sort of week or two, I'll freshen up the portfolio and the insurance quotes, and I'll get some updated figures for you. And then it's just a matter of another quick chat to run through that refresh statement of advice just to make sure you're happy to sign off on that one before we move everything around.\n\nChannel 1: Yeah. Sure.\n\nChannel 0: Awesome. Any questions for me so far?\n\nChannel 1: Nah. It's all feeling pretty good, mate. Pretty straightforward, really.\n\nChannel 0: Awesome. I appreciate you taking the time this morning. Just helps me kind of get that little bit of an updated understanding so the documents are accurate, and\n\nChannel 1: Yep.\n\nChannel 0: then I can have that through to you pretty soon as well.\n\nChannel 1: No worries.\n\nChannel 0: Awesome. I'll leave that pack with you. Give us a call if you have any trouble with that new OdooSign that we're using. It's\n\nChannel 1: Mhmm.\n\nChannel 0: pretty straightforward. You you hop on, scroll to the bottom of the documents, and it will have a little stampy signature here. Next document to skip through the service guides and ones\n\nChannel 1: Yep.\n\nChannel 0: that don't require signatures.\n\nChannel 1: Yep.\n\nChannel 0: And just to quickly let you know for compliance purposes, so you've got certificates for all the insurance performance summary, new service guide with us. The only two to sign is a ongoing service agreement with Hub, and we have included a third party authority for your partner if you would like her to be able to call up and and obtain details on your behalf just so there's a a flow of communication for both of you guys. Is that okay?\n\nChannel 1: Yeah. That's fine. It's great. Yeah. It's pain in the ass when they can't you know, you've we've been married for about fifteen years, and then you've got stuff in joint names, and then she can't ring and ask the questions.\n\nIt's\n\nChannel 0: Yeah.\n\nChannel 1: just annoying. You know?\n\nChannel 0: Easy\n\nChannel 1: I understand\n\nChannel 0: down. So\n\nChannel 1: why\n\nChannel 0: as soon\n\nChannel 1: they do\n\nChannel 0: as\n\nChannel 1: do it, but, yeah, it's easy\n\nChannel 0: well,\n\nChannel 1: if\n\nChannel 0: to\n\nChannel 1: they\n\nChannel 0: be\n\nChannel 1: can.\n\nChannel 0: honest, mate, with a lot of the not that you guys are in that bucket, with all the separations going on, the amount of family conflicts that we see is just increasing with that\n\nChannel 1: Yeah.\n\nChannel 0: boomer generation. It's just every year, it seems to get worse and worse with family disputes.\n\nChannel 1: Yep.\n\nChannel 0: But if you give us a little tick off on that one, then we'll keep that on file, and we're good to go.\n\nChannel 1: Yeah. That's great. Alright.\n\nChannel 0: Amazing. Thank you so much for your time, and I will touch base in a couple of weeks.\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Have a great week, mate. Cheers.\n\nChannel 1: Yeah. You too. Cheers, mate. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.96,"end":1.36,"sentiment":"neutral","sentiment_score":0.0336083360016346},{"text":"Luke speaking.","start":1.36,"end":2.1,"sentiment":"neutral","sentiment_score":0.025459925644099712}],"sentiment":"neutral","sentiment_score":0.028176062429944675,"channel":1,"num_words":3,"start":0.96,"end":2.1},{"sentences":[{"text":"Luke, good morning.","start":2.48,"end":3.28,"sentiment":"neutral","sentiment_score":0.2427616814772288},{"text":"It's Tommy here, senior adviser.","start":3.28,"end":4.9,"sentiment":"neutral","sentiment_score":0.15723456144332887},{"text":"Mate, how are you 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we're","start":17.355,"end":17.835,"sentiment":"neutral","sentiment_score":-0.03689643833786249}],"sentiment":"neutral","sentiment_score":-0.03689643833786249,"channel":0,"num_words":2,"start":17.355,"end":17.835},{"sentences":[{"text":"thought","start":17.724998,"end":18.224998,"sentiment":"neutral","sentiment_score":-0.046385377645492554}],"sentiment":"neutral","sentiment_score":-0.046385377645492554,"channel":1,"num_words":1,"start":17.724998,"end":18.224998},{"sentences":[{"text":"it's coming.","start":17.914999,"end":18.735,"sentiment":"neutral","sentiment_score":-0.06234275363385677}],"sentiment":"neutral","sentiment_score":-0.06234275363385677,"channel":0,"num_words":2,"start":17.914999,"end":18.735},{"sentences":[{"text":"it'd be.","start":19.085,"end":19.165,"sentiment":"neutral","sentiment_score":-0.021864493377506733},{"text":"Yeah.","start":19.165,"end":19.665,"sentiment":"neutral","sentiment_score":0.14258576929569244}],"sentiment":"neutral","sentiment_score":0.03295226084689299,"channel":1,"num_words":3,"start":19.085,"end":19.665},{"sentences":[{"text":"I'm enjoying the last couple hours of sun that I can before","start":19.355,"end":22.074999,"sentiment":"positive","sentiment_score":0.377536008755366}],"sentiment":"positive","sentiment_score":0.377536008755366,"channel":0,"num_words":12,"start":19.355,"end":22.074999},{"sentences":[{"text":"Oh, you must be at the northern end because, yeah, it's it's coming your way that way.","start":22.125,"end":25.825,"sentiment":"neutral","sentiment_score":0.11815797953921206}],"sentiment":"neutral","sentiment_score":0.11815797953921206,"channel":1,"num_words":17,"start":22.125,"end":25.825},{"sentences":[{"text":"yeah.","start":25.994999,"end":26.314999,"sentiment":"neutral","sentiment_score":0.2201293557882309},{"text":"Absolutely.","start":26.314999,"end":26.814999,"sentiment":"positive","sentiment_score":0.4146943986415863},{"text":"But we make the most of the morning, mate.","start":26.954998,"end":28.769999,"sentiment":"positive","sentiment_score":0.5996730625629425},{"text":"And then the afternoon, I'm in office, so it's all good.","start":28.769999,"end":31.109999,"sentiment":"positive","sentiment_score":0.5919734835624695}],"sentiment":"positive","sentiment_score":0.5701631653037939,"channel":0,"num_words":22,"start":25.994999,"end":31.109999},{"sentences":[{"text":"100%.","start":31.35,"end":32.09,"sentiment":"neutral","sentiment_score":0.3265725374221802}],"sentiment":"neutral","sentiment_score":0.3265725374221802,"channel":1,"num_words":1,"start":31.35,"end":32.09},{"sentences":[{"text":"Mate, I've got a couple of things run by you today from some previous advice to kind of update your circumstances, see","start":32.69,"end":40.29,"sentiment":"neutral","sentiment_score":0.11913622170686722}],"sentiment":"neutral","sentiment_score":0.11913622170686722,"channel":0,"num_words":22,"start":32.69,"end":40.29},{"sentences":[{"text":"Go.","start":40.23,"end":40.73,"sentiment":"neutral","sentiment_score":0.07275203615427017}],"sentiment":"neutral","sentiment_score":0.07275203615427017,"channel":1,"num_words":1,"start":40.23,"end":40.73},{"sentences":[{"text":"what we wanna do strategy wise.","start":40.29,"end":42.075,"sentiment":"neutral","sentiment_score":0.07272935037811597}],"sentiment":"neutral","sentiment_score":0.07272935037811597,"channel":0,"num_words":6,"start":40.29,"end":42.075},{"sentences":[{"text":"Mhmm.","start":42.71,"end":43.185,"sentiment":"neutral","sentiment_score":0.025033820420503616}],"sentiment":"neutral","sentiment_score":0.025033820420503616,"channel":1,"num_words":1,"start":42.71,"end":43.185},{"sentences":[{"text":"Have you got about 15 for me today?","start":43.195,"end":45.135002,"sentiment":"neutral","sentiment_score":0.018040499184280634}],"sentiment":"neutral","sentiment_score":0.018040499184280634,"channel":0,"num_words":8,"start":43.195,"end":45.135002},{"sentences":[{"text":"Yeah.","start":45.345,"end":45.505,"sentiment":"neutral","sentiment_score":0.08243563771247864},{"text":"It's fine.","start":45.505,"end":46.245003,"sentiment":"neutral","sentiment_score":0.14903800934553146}],"sentiment":"neutral","sentiment_score":0.1268372188011805,"channel":1,"num_words":3,"start":45.345,"end":46.245003},{"sentences":[{"text":"Sensational.","start":46.555,"end":47.055,"sentiment":"neutral","sentiment_score":0.07942068576812744},{"text":"I'll just go through a quick security check with you.","start":47.355,"end":49.695,"sentiment":"neutral","sentiment_score":0.05243443846702576},{"text":"Just need your date of birth and address, please.","start":50.075,"end":52.495003,"sentiment":"neutral","sentiment_score":0.030419772283898458}],"sentiment":"neutral","sentiment_score":0.04387715104967356,"channel":0,"num_words":20,"start":46.555,"end":52.495003},{"sentences":[{"text":"Yep.","start":52.705,"end":53.105003,"sentiment":"neutral","sentiment_score":0.025154031813144684},{"text":"Twelve seven thirty one and twenty eight Brianna","start":53.105003,"end":56.39,"sentiment":"neutral","sentiment_score":0.02178247191477567}],"sentiment":"neutral","sentiment_score":0.022157089681261115,"channel":1,"num_words":9,"start":52.705,"end":56.39},{"sentences":[{"text":"Sensational.","start":57.960003,"end":58.440002,"sentiment":"neutral","sentiment_score":0.03226281329989433},{"text":"And I'm registered with Asica's","start":58.440002,"end":59.72,"sentiment":"neutral","sentiment_score":0.02260096073150635}],"sentiment":"neutral","sentiment_score":0.024211269492904346,"channel":0,"num_words":6,"start":57.960003,"end":59.72},{"sentences":[{"text":"Court.","start":59.57,"end":60.07,"sentiment":"neutral","sentiment_score":0.0201788991689682}],"sentiment":"neutral","sentiment_score":0.0201788991689682,"channel":1,"num_words":1,"start":59.57,"end":60.07},{"sentences":[{"text":"adviser 1273105.","start":59.72,"end":62.36,"sentiment":"neutral","sentiment_score":0.009951664600521326},{"text":"Are you okay for the call to be recorded?","start":62.36,"end":64.14,"sentiment":"neutral","sentiment_score":0.007726698906885253}],"sentiment":"neutral","sentiment_score":0.008131238123909994,"channel":0,"num_words":11,"start":59.72,"end":64.14},{"sentences":[{"text":"Yeah.","start":64.53,"end":64.69,"sentiment":"neutral","sentiment_score":0.046469904482364655},{"text":"It's fine.","start":64.69,"end":65.35,"sentiment":"neutral","sentiment_score":0.11934421211481094}],"sentiment":"neutral","sentiment_score":0.09505277623732884,"channel":1,"num_words":3,"start":64.53,"end":65.35},{"sentences":[{"text":"Beautiful.","start":65.8,"end":66.3,"sentiment":"positive","sentiment_score":0.4248881936073303},{"text":"So a couple of emails I've got.","start":66.44,"end":68.6,"sentiment":"neutral","sentiment_score":0.12962487978594645},{"text":"I've got a bit of an annual review pack","start":68.6,"end":70.395,"sentiment":"neutral","sentiment_score":0.10583540134959751}],"sentiment":"neutral","sentiment_score":0.1343988802503137,"channel":0,"num_words":17,"start":65.8,"end":70.395},{"sentences":[{"text":"Mhmm.","start":70.575,"end":71.075,"sentiment":"neutral","sentiment_score":0.045446522533893585}],"sentiment":"neutral","sentiment_score":0.045446522533893585,"channel":1,"num_words":1,"start":70.575,"end":71.075},{"sentences":[{"text":"to send out to you, just the usual kind of twelve month updates on the super and the insurances.","start":70.634995,"end":75.295,"sentiment":"neutral","sentiment_score":0.07716917305400497},{"text":"And then I've","start":75.91499,"end":76.875,"sentiment":"neutral","sentiment_score":0.03524367759625117}],"sentiment":"neutral","sentiment_score":0.07145206003703854,"channel":0,"num_words":22,"start":70.634995,"end":76.875},{"sentences":[{"text":"Mhmm.","start":76.7775,"end":77.2775,"sentiment":"neutral","sentiment_score":0.01707693561911583}],"sentiment":"neutral","sentiment_score":0.01707693561911583,"channel":1,"num_words":1,"start":76.7775,"end":77.2775},{"sentences":[{"text":"just been going through some advice that Kyle had sent out to you for a few changes.","start":76.875,"end":80.975,"sentiment":"neutral","sentiment_score":0.03999824909602895},{"text":"The first thing I wanted to do is just quickly check with you, a, how you've been going and if you've had any major changes in circumstances or goals at the moment.","start":81.435,"end":90.04,"sentiment":"neutral","sentiment_score":0.04648293199716136}],"sentiment":"neutral","sentiment_score":0.044233144051870524,"channel":0,"num_words":49,"start":76.875,"end":90.04},{"sentences":[{"text":"Everything's the same.","start":90.58,"end":91.46001,"sentiment":"neutral","sentiment_score":0.05746572092175484},{"text":"Same as when you respect me last or someone respect me last.","start":91.46001,"end":94.36,"sentiment":"neutral","sentiment_score":0.04446866922080517}],"sentiment":"neutral","sentiment_score":0.0470680795609951,"channel":1,"num_words":15,"start":90.58,"end":94.36},{"sentences":[{"text":"Beautiful.","start":94.74,"end":95.22,"sentiment":"neutral","sentiment_score":0.10318247228860856},{"text":"So everything's just continuing on its merry way.","start":95.22,"end":97.575,"sentiment":"positive","sentiment_score":0.6194296963512897},{"text":"So what I'll do, I'm just gonna quickly touch on the details that I've got.","start":98.454994,"end":101.335,"sentiment":"neutral","sentiment_score":0.1967403660217921},{"text":"Let me know if all of this still sounds accurate.","start":101.335,"end":103.354996,"sentiment":"neutral","sentiment_score":0.08233165368437767},{"text":"We've got married with two children, underground fitter.","start":104.215,"end":109.59499,"sentiment":"neutral","sentiment_score":0.04931721044704318}],"sentiment":"neutral","sentiment_score":0.21970427985347452,"channel":0,"num_words":42,"start":94.74,"end":109.59499},{"sentences":[{"text":"Mhmm.","start":109.94,"end":110.1,"sentiment":"neutral","sentiment_score":0.05037058889865875},{"text":"Yep.","start":110.1,"end":110.6,"sentiment":"neutral","sentiment_score":0.08912742137908936}],"sentiment":"neutral","sentiment_score":0.06974900513887405,"channel":1,"num_words":2,"start":109.94,"end":110.6},{"sentences":[{"text":"We've got email addresses still the Hotmail address is still okay.","start":110.450005,"end":113.91,"sentiment":"neutral","sentiment_score":0.09974909675392238}],"sentiment":"neutral","sentiment_score":0.09974909675392238,"channel":0,"num_words":11,"start":110.450005,"end":113.91},{"sentences":[{"text":"Yep.","start":114.26,"end":114.76,"sentiment":"neutral","sentiment_score":0.2799210846424103}],"sentiment":"neutral","sentiment_score":0.2799210846424103,"channel":1,"num_words":1,"start":114.26,"end":114.76},{"sentences":[{"text":"Beautiful.","start":115.25,"end":115.75,"sentiment":"positive","sentiment_score":0.6640301942825317},{"text":"We've just obviously had the tax time.","start":116.37,"end":118.630005,"sentiment":"neutral","sentiment_score":0.232133116040911},{"text":"I think we had your income at around a 190.","start":118.770004,"end":121.090004,"sentiment":"neutral","sentiment_score":0.09811985567212105},{"text":"Has that changed much?","start":121.090004,"end":121.995,"sentiment":"neutral","sentiment_score":0.04327844735234976}],"sentiment":"neutral","sentiment_score":0.15651247057725082,"channel":0,"num_words":22,"start":115.25,"end":121.995},{"sentences":[{"text":"No.","start":123.335,"end":123.655,"sentiment":"neutral","sentiment_score":-0.07941558212041855},{"text":"That's about right.","start":123.655,"end":124.454994,"sentiment":"neutral","sentiment_score":-0.03487093560397625},{"text":"I think a bit over time whenever the two is a bit over that.","start":124.454994,"end":127.174995,"sentiment":"neutral","sentiment_score":-0.008993866720369883},{"text":"But, yeah, that's about the best.","start":127.174995,"end":128.955,"sentiment":"neutral","sentiment_score":0.14912626271446547}],"sentiment":"neutral","sentiment_score":0.02436729388621946,"channel":1,"num_words":24,"start":123.335,"end":128.955},{"sentences":[{"text":"Yep.","start":129.435,"end":129.935,"sentiment":"neutral","sentiment_score":0.11468057334423064},{"text":"Fluctuates a little bit above that, but, otherwise, $1.90 is the the sort of 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mate, with a lot of the not that you guys are in that bucket, with all the separations going on, the amount of family conflicts that we see is just increasing with that","start":761.33496,"end":770.32,"sentiment":"neutral","sentiment_score":-0.09955474515171613}],"sentiment":"neutral","sentiment_score":-0.09955474515171613,"channel":0,"num_words":34,"start":761.33496,"end":770.32},{"sentences":[{"text":"Yeah.","start":770.20996,"end":770.70996,"sentiment":"neutral","sentiment_score":-0.03470733016729355}],"sentiment":"neutral","sentiment_score":-0.03470733016729355,"channel":1,"num_words":1,"start":770.20996,"end":770.70996},{"sentences":[{"text":"boomer generation.","start":770.32,"end":771.2,"sentiment":"neutral","sentiment_score":-0.06604892015457153},{"text":"It's just every year, it seems to get worse and worse with family disputes.","start":771.2,"end":774.5,"sentiment":"neutral","sentiment_score":-0.28387661491121563}],"sentiment":"neutral","sentiment_score":-0.25664815306663513,"channel":0,"num_words":16,"start":770.32,"end":774.5},{"sentences":[{"text":"Yep.","start":774.93,"end":775.43,"sentiment":"neutral","sentiment_score":0.02439628168940544}],"sentiment":"neutral","sentiment_score":0.02439628168940544,"channel":1,"num_words":1,"start":774.93,"end":775.43},{"sentences":[{"text":"But if you give us a little tick off on that one, then we'll keep that on file, and we're good to go.","start":774.96,"end":780.02,"sentiment":"neutral","sentiment_score":0.22978781681993735}],"sentiment":"neutral","sentiment_score":0.22978781681993735,"channel":0,"num_words":23,"start":774.96,"end":780.02},{"sentences":[{"text":"Yeah.","start":780.13495,"end":780.45496,"sentiment":"positive","sentiment_score":0.3651634156703949},{"text":"That's great.","start":780.45496,"end":781.01495,"sentiment":"positive","sentiment_score":0.7034130692481995},{"text":"Alright.","start":781.01495,"end":781.51495,"sentiment":"positive","sentiment_score":0.642410397529602}],"sentiment":"positive","sentiment_score":0.603599987924099,"channel":1,"num_words":4,"start":780.13495,"end":781.51495},{"sentences":[{"text":"Amazing.","start":782.33496,"end":782.65497,"sentiment":"positive","sentiment_score":0.7699872255325317},{"text":"Thank you so much for your time, and I will touch base in a couple of weeks.","start":782.65497,"end":786.195,"sentiment":"positive","sentiment_score":0.7558914773604449}],"sentiment":"positive","sentiment_score":0.7566745744811164,"channel":0,"num_words":18,"start":782.33496,"end":786.195},{"sentences":[{"text":"Yep.","start":786.3349,"end":786.6549,"sentiment":"positive","sentiment_score":0.4583656191825866},{"text":"Sounds good.","start":786.6549,"end":787.4749,"sentiment":"positive","sentiment_score":0.7299700677394867}],"sentiment":"positive","sentiment_score":0.6394352515538534,"channel":1,"num_words":3,"start":786.3349,"end":787.4749},{"sentences":[{"text":"Have a great week, mate.","start":787.77496,"end":788.735,"sentiment":"positive","sentiment_score":0.770539665222168},{"text":"Cheers.","start":788.735,"end":789.235,"sentiment":"positive","sentiment_score":0.6356041431427002}],"sentiment":"positive","sentiment_score":0.7480504115422567,"channel":0,"num_words":6,"start":787.77496,"end":789.235},{"sentences":[{"text":"Yeah.","start":788.9749,"end":789.2949,"sentiment":"positive","sentiment_score":0.36138254404067993},{"text":"You too.","start":789.2949,"end":789.7749,"sentiment":"positive","sentiment_score":0.36101989448070526},{"text":"Cheers, mate.","start":789.7749,"end":790.1749,"sentiment":"positive","sentiment_score":0.4613618850708008},{"text":"Bye.","start":790.1749,"end":790.6749,"sentiment":"neutral","sentiment_score":0.2835104465484619}],"sentiment":"positive","sentiment_score":0.3816094249486923,"channel":1,"num_words":6,"start":788.9749,"end":790.6749},{"sentences":[{"text":"Bye.","start":790.815,"end":791.315,"sentiment":"neutral","sentiment_score":-0.10047734528779984}],"sentiment":"neutral","sentiment_score":-0.10047734528779984,"channel":0,"num_words":1,"start":790.815,"end":791.315}]},"summary":{"result":"success","short":"Luke updates the customer's financial situation, including their income and assets, liabilities, and assets with a focus on risk management. They discuss a change to a bank hybrids term deposit and a potential reduction in premiums for the Yep. portfolio. The agent emphasizes protecting an income of around $305 and offers a policy trim, while also discussing the benefits of insurance for heart, stroke, and cancer. They also update the customer's coverage and offer annual reviews and a goal of a trip planning review of their insurance coverage. The agent provides updates on updating the customer's insurance coverage and offers to touch base in a couple of weeks."},"intents":{"segments":[{"text":"Mate, I've got a couple of things run by you today from some previous advice to kind of update your circumstances, see Go. what we wanna do strategy wise. Mhmm.","start_word":112,"end_word":141,"intents":[{"intent":"Update circumstances and goals","confidence_score":0.34484187}]},{"text":"So everything's just continuing on its merry way. So what I'll do, I'm just gonna quickly touch on the details that I've got.","start_word":310,"end_word":332,"intents":[{"intent":"Discuss details","confidence_score":0.0071786894}]},{"text":"We've just obviously had the tax time. I think we had your income at around a 190. Has that changed much? No.","start_word":365,"end_word":386,"intents":[{"intent":"Address tax changes","confidence_score":0.04426446}]},{"text":"We had you kind of getting close to paying off. It had about $2.50 owing and about 1.1 mil on the valuation. Yeah.","start_word":442,"end_word":464,"intents":[{"intent":"Address owing balance","confidence_score":0.006862041}]},{"text":"you in kinda like a growth risk profile, four out of five on the risk scale. You're aiming for around about 80% in terms of, like, shares, property, and gold, 20 in the safer side of things. Does that ring a bell? Mhmm.","start_word":549,"end_word":591,"intents":[{"intent":"Discuss growth risk profile of shares","confidence_score":6.3000005e-7}]},{"text":"One of the things that we were looking to do, which I'm still quite keen to to move along with, is some updates to some of the investments.","start_word":720,"end_word":747,"intents":[{"intent":"Move forward with investments","confidence_score":0.0040345015}]},{"text":"I wanna double check if you're okay for me to kind of just refresh those figures and get that sent out to you. Yeah.","start_word":1001,"end_word":1024,"intents":[{"intent":"Refresh figures","confidence_score":0.19492304}]},{"text":"I'll just whatever you think is good. I'll let's how do you guys sort that out?","start_word":1027,"end_word":1042,"intents":[{"intent":"Sort issues","confidence_score":0.0027819846}]},{"text":"So I'll get that one updated. We factored in, obviously, insurance premiums into those projections, and I'll update the performance and everything like that.","start_word":1106,"end_word":1129,"intents":[{"intent":"Update projections","confidence_score":0.1283626}]},{"text":"We still have, you and Cass on partner fee discount of 1.1% with Oakview, which I Mhmm. believe has, expired the consent on Hub. So I was gonna send that out with the annual review pack if that's okay as well. Yeah.","start_word":1130,"end_word":1171,"intents":[{"intent":"Send annual review pack","confidence_score":0.49352303}]},{"text":"We've Yep. got 13,000 a month worth of cover.","start_word":1251,"end_word":1259,"intents":[{"intent":"Ensure coverage","confidence_score":0.0006156993}]},{"text":"Now normally, that's based on a on a percentage. So if I work that back because they increase it every year, it's kind of a cheap way to get more cover expecting your income to increase every year. Yeah.","start_word":1261,"end_word":1299,"intents":[{"intent":"Discuss insurance premiums and premiums","confidence_score":0.0000060169164},{"intent":"Evaluate benefits and cost","confidence_score":0.00024440643}]},{"text":"So I'll update the portfolio and the insurances. That one's nice and easy.","start_word":1794,"end_word":1806,"intents":[{"intent":"Update portfolio and insurance","confidence_score":0.0043697436}]}]},"sentiments":{"segments":[{"text":"Hello. Luke speaking. Luke, good morning. It's Tommy here, senior adviser. Mate, how are you doing?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.16012327373027802},{"text":"Good. Thanks. How are you? I'm living the dream. It's a beautiful day on the Gold Coast.","start_word":16,"end_word":32,"sentiment":"positive","sentiment_score":0.6216440796852112},{"text":"What about your end? No. I'm just part of the Gold Coast. You're at it's overcast and raining. I Mate, we're thought it's coming. it'd be. Yeah. I'm enjoying the last couple hours of sun that I can before Oh, you must be at the northern end because, yeah, it's it's coming your way that way. yeah.","start_word":33,"end_word":89,"sentiment":"neutral","sentiment_score":0.0795564353466034},{"text":"Absolutely. But we make the most of the morning, mate. And then the afternoon, I'm in office, so it's all good.","start_word":90,"end_word":110,"sentiment":"positive","sentiment_score":0.5924479961395264},{"text":"100%. Mate, I've got a couple of things run by you today from some previous advice to kind of update your circumstances, see Go. what we wanna do strategy wise. Mhmm. Have you got about 15 for me today? Yeah. It's fine. Sensational. I'll just go through a quick security check with you. Just need your date of birth and address, please. Yep. Twelve seven thirty one and twenty eight Brianna Sensational. And I'm registered with Asica's Court. adviser 1273105. Are you okay for the call to be recorded? Yeah. It's fine.","start_word":111,"end_word":202,"sentiment":"neutral","sentiment_score":0.06394866108894348},{"text":"Beautiful.","start_word":203,"end_word":203,"sentiment":"positive","sentiment_score":0.4248881936073303},{"text":"So a couple of emails I've got. I've got a bit of an annual review pack Mhmm. to send out to you, just the usual kind of twelve month updates on the super and the insurances. And then I've Mhmm. just been going through some advice that Kyle had sent out to you for a few changes. The first thing I wanted to do is just quickly check with you, a, how you've been going and if you've had any major changes in circumstances or goals at the moment. Everything's the same. Same as when you respect me last or someone respect me last.","start_word":204,"end_word":307,"sentiment":"neutral","sentiment_score":0.060591697692871094},{"text":"Beautiful. So everything's just continuing on its merry way.","start_word":308,"end_word":316,"sentiment":"positive","sentiment_score":0.6090479691823324},{"text":"So what I'll do, I'm just gonna quickly touch on the details that I've got. Let me know if all of this still sounds accurate. We've got married with two children, underground fitter. Mhmm. Yep. We've got email addresses still the Hotmail address is still okay. Yep.","start_word":317,"end_word":363,"sentiment":"neutral","sentiment_score":0.12381047755479813},{"text":"Beautiful.","start_word":364,"end_word":364,"sentiment":"positive","sentiment_score":0.6640301942825317},{"text":"We've just obviously had the tax time. I think we had your income at around a 190. Has that changed much? No. That's about right. I think a bit over time whenever the two is a bit over that. But, yeah, that's about the best. Yep. Fluctuates a little bit above that, but, otherwise, $1.90 is the the sort of baseline. Yeah.","start_word":365,"end_word":426,"sentiment":"neutral","sentiment_score":0.09548954665660858},{"text":"Beautiful.","start_word":427,"end_word":427,"sentiment":"positive","sentiment_score":0.5479291081428528},{"text":"And assets and liabilities wise, we just had the home and the car. Yep. We had you kind of getting close to paying off. It had about $2.50 owing and about 1.1 mil on the valuation. Yeah. It'll be more than that owing. I think that was wrong. I think it was we went up there that last time. I don't know. I'm not sure if that got done or not. I don't Gotcha. know what Gotcha. the current Gotcha. estimation is for what's going, but it's definitely a lot more than that. Bit more than $2.50 k. I'll just make a little note of that one. So in terms of the hub and the attached insurances, Sure. we've got Mhmm. you in kinda like a growth risk profile, four out of five on the risk scale. You're aiming for around about 80% in terms of, like, shares, property, and gold, 20 in the safer side of things. Does that ring a bell? Mhmm. Yes. I mean, I I yeah. We're we're trying to trying to make a bit more money.","start_word":428,"end_word":608,"sentiment":"neutral","sentiment_score":-0.022632069885730743},{"text":"It would have been just on a super safe side of things, but everything every year after year seems to be that some sort of disaster happens and the market goes a little stupid.","start_word":609,"end_word":642,"sentiment":"negative","sentiment_score":-0.38895633816719055},{"text":"You're like, oh, can you just give me one year where everything's just great? But it doesn't Oh, doesn't man. seem I'm coming to be happening on '13 this years day. in history, and it's it seems to be the law of averages where Yeah. you just gotta kind of take those hits and still try and get the above benchmark returns, factoring That's right. in Yeah. the world exploding every three to seven years. Yeah. Absolutely. One of the things that we were looking to do, which I'm still quite keen to to move along with, is some updates to some of the investments. So one of the main underperformers inside the portfolio was a Bennelong option, which hasn't been doing too good. Everything else has been pretty well on the double digit side of things. So returns are looking Yep.","start_word":643,"end_word":784,"sentiment":"neutral","sentiment_score":-0.012529737316071987},{"text":"good across the portfolio.","start_word":785,"end_word":788,"sentiment":"positive","sentiment_score":0.40359076857566833},{"text":"There is a change that the government's making to one of your safe investments. It's kind of like a term deposit or a bond if you're familiar with those terms. Yep. Yep. So one of them is a bank hybrids, which the government's kind of phasing those out next year, where it's one of Okay. these really strange things where a term deposit bond turns into a bit of a share, and they just went, look.","start_word":789,"end_word":864,"sentiment":"neutral","sentiment_score":0.02956482209265232},{"text":"This is too complicated.","start_word":865,"end_word":868,"sentiment":"negative","sentiment_score":-0.4121693670749664},{"text":"It kinda sounds like another global financial crisis waiting to happen. So we're just getting ahead of that one and got a few other sort of bond options to switch it in for, if that's alright. Yes, ma'am. One of the things that Carl was recommending was going for a little bit more of a lower fee portfolio to kind of replace some of the underperforming options with some low fee index funds. Still ETFs, so still brokerage fees to purchase them, but it reduces the fees by, like, 80%. And it gets your returns back up into that kind of, like, your benchmark for growth is 9% or above, and we're still aiming for somewhere between the kind of 12 to 16% mark with that Yep. portfolio. Yeah.","start_word":869,"end_word":997,"sentiment":"neutral","sentiment_score":0.1082267248642075},{"text":"So That's great. I wanna double check if you're okay for me to kind of just refresh those figures and get that sent out to you.","start_word":998,"end_word":1023,"sentiment":"positive","sentiment_score":0.43489500880241394},{"text":"Yeah. That's fine.","start_word":1024,"end_word":1026,"sentiment":"neutral","sentiment_score":0.263540655374527},{"text":"I'll just whatever you think is good.","start_word":1027,"end_word":1033,"sentiment":"positive","sentiment_score":0.3342454135417938},{"text":"I'll let's how do you guys sort that out? I I don't really know anything about it, so you could be telling me anything right about now.","start_word":1034,"end_word":1060,"sentiment":"neutral","sentiment_score":0.028279775753617287},{"text":"As long as I'm getting some as long as my money is doing something, I'm Fantastic.","start_word":1061,"end_word":1076,"sentiment":"positive","sentiment_score":0.3376215994358063},{"text":"And no major issues from anything I've happy. said so far? Anything that's a red flag or anything that's concerning for you? Nah. Nah. Nah.","start_word":1077,"end_word":1101,"sentiment":"neutral","sentiment_score":-0.004440003540366888},{"text":"That's all perfect. Beautiful.","start_word":1102,"end_word":1105,"sentiment":"positive","sentiment_score":0.4392126798629761},{"text":"So I'll get that one updated. We factored in, obviously, insurance premiums into those projections, and I'll update the performance and everything like that. We still have, you and Cass on partner fee discount of 1.1% with Oakview, which I Mhmm. believe has, expired the consent on Hub. So I was gonna send that out with the annual review pack if that's okay as well. Yeah. That's fine. For the Clearview, just wanna quickly double check something. So you've got just under 1.2 mil worth of life and disability insurance, which is the lump Mhmm. sums. If you pass away, you can never work again. Obviously, that clears well and truly the debt unless you've you've increased above a million dollars.","start_word":1106,"end_word":1226,"sentiment":"neutral","sentiment_score":0.07713345438241959},{"text":"The total premiums for those two are under $2, which is looking pretty good.","start_word":1227,"end_word":1240,"sentiment":"positive","sentiment_score":0.39211082458496094},{"text":"It's the income protection I wanted to run by you. We've Yep. got 13,000 a month worth of cover. Now normally, that's based on a on a percentage. So if I work that back because they increase it every year, it's kind of a cheap way to get more cover expecting your income to increase every year. Yeah. You're protecting an income of around about 222,000. So all I wanted to flag is that if for some reason you handed in a tax return and went to claim on it and you'd only earn $1.90 or 200, they would pay you 70% of that amount, not the two twenty two because Mhmm. it's an Yeah. indemnity Some some policy. some payment premium on something I can't can't get anywhere. That's what you're saying. Correct. So I'm wanting Yeah. to double check if we should maybe trim that back down to the base level, the $1.90, It won't yeah. It and won't it won't trim it down back the for premiums sure. a bit. Yeah. Definitely.","start_word":1241,"end_word":1415,"sentiment":"neutral","sentiment_score":0.026414810461657383},{"text":"Cool.","start_word":1416,"end_word":1416,"sentiment":"positive","sentiment_score":0.4974534511566162},{"text":"You've got a ninety day waiting period, which is obviously the the lowest premiums you can kind of get. You gotta be out for Mhmm. a few months, then it kicks in. Yep. It's got a five year benefit period as well, so monthly Mhmm. for up to five years. If an injury or illness lasts longer than five years, you're expecting the TPD, the big lump sum, to kick in then because it's not likely you're going back to work in the sixth Yeah. year, if that makes Yep. sense. So if I trim down the premiums further, the only thing I can do is either shop around or try and get you down to two year benefit. But if you're happy with that 95, I can just trim it back then to the $1.90 and and show you what that looks like. Yeah. Just see what that looks like. And, yeah, it's a bit cheeky of them. Which one I've paid? Did you guys have much every year? But but Yeah.","start_word":1417,"end_word":1589,"sentiment":"neutral","sentiment_score":0.04945247579430569},{"text":"Australia is one of those unfortunate basket cases where the last five to seven years, no one's income seems to have been keeping up with productivity and inflation.","start_word":1590,"end_word":1617,"sentiment":"negative","sentiment_score":-0.3945968747138977},{"text":"Or So anything the usual here. scenario no. With nothing. So the usual scenario where you get some slight bump ups and it's you don't have to apply for anything used to be Yep.","start_word":1618,"end_word":1651,"sentiment":"neutral","sentiment_score":-0.0685649961233139},{"text":"great.","start_word":1652,"end_word":1652,"sentiment":"positive","sentiment_score":0.6253700256347656},{"text":"Now it just seems like you're paying for something you can't claim on. Yeah.","start_word":1653,"end_word":1666,"sentiment":"neutral","sentiment_score":0.2062795013189316},{"text":"Absolutely. Cool.","start_word":1667,"end_word":1668,"sentiment":"positive","sentiment_score":0.5141767859458923},{"text":"So I'll do a bit of a trim now for that one. Yep. The only cover you don't have is, like, trauma insurance for heart attack, stroke, and cancer, out of Mhmm. pocket only. Most people just go, look. If I had a heart attack, I'd go to the hospital.","start_word":1669,"end_word":1718,"sentiment":"neutral","sentiment_score":0.019719069823622704},{"text":"Public systems are pretty good for that.","start_word":1719,"end_word":1725,"sentiment":"positive","sentiment_score":0.42525094747543335},{"text":"You don't have to Mhmm. get insurance for that one, But I do have to ask the question if you wanted a quote. Mhmm. No. No. Just leave it as it is. It's one of the things that's it is insurance at the end of the day. I wanna have to have it use it. Do you know what I'm saying? Yeah. I understand and agree completely. Yep. So I'll update the portfolio and the insurances.","start_word":1726,"end_word":1801,"sentiment":"neutral","sentiment_score":0.03822619467973709},{"text":"That one's nice and easy. Estate planning wise, everything's looking pretty good. You've got your beneficiary nominations in place.","start_word":1802,"end_word":1820,"sentiment":"positive","sentiment_score":0.5416274666786194},{"text":"You've got a will in place that's pretty up to date. When you put in place a will, do you remember if you put in place a power of attorney? No. I I don't I wouldn't be able to say yes or no, to be honest. That's alright. Just I know it's a bit of a stretch, and it could have been a while ago. It's just that one that, you know, if you're in hospital, can't act on your own behalf, it kind of skips the court stuff so someone can access bank accounts, talk to doctors on your behalf, which obviously Yeah. would be your partner, but it just Yep. makes things a little bit quicker. Yeah. Sure. If I it ever can look helps into it. yeah. If you don't have one, there's a $25 power of attorney kit from the Aus Post It's government approved. Normally, you obviously want a will done properly, but those ones are pretty like, if I can't act, this person can. Yeah. Sure. And in our state, it makes things a bit easier because it's combined into one. So health and financial. Yeah.","start_word":1821,"end_word":2012,"sentiment":"neutral","sentiment_score":0.014264175668358805},{"text":"Hold Beauty.","start_word":2013,"end_word":2014,"sentiment":"positive","sentiment_score":0.41752809286117554},{"text":"In terms of cash flow and debt management, that was the last goals I wanted to just have a look at is you're obviously doing a few trips planning, things like that, paying off the mortgage. on. Yep. Just having a look here. Anything else that you've got going on for cash flow the next few years? No. We've just we've just been to see the house now. But other than that, the next thing is just to to pan trip in March. That'll pay for already, flight wise? So, yeah, it's all painful here.","start_word":2015,"end_word":2109,"sentiment":"neutral","sentiment_score":0.04498414695262909},{"text":"Beautiful. Alrighty. That's pretty easy, man.","start_word":2110,"end_word":2115,"sentiment":"positive","sentiment_score":0.5862371325492859},{"text":"So what I can do from here is I will pop out this pack to you now to your Hotmail address just for the annual review. Mhmm. If you can have a look through and sign off on that if you're comfortable with us being listed as advisers, I'll get all that applied. Over the next sort of week or two, I'll freshen up the portfolio and the insurance quotes, and I'll get some updated figures for you. And then it's just a matter of another quick chat to run through that refresh statement of advice just to make sure you're happy to sign off on that one before we move everything around. Yeah. Sure.","start_word":2116,"end_word":2230,"sentiment":"neutral","sentiment_score":0.16227028227370718},{"text":"Awesome.","start_word":2231,"end_word":2231,"sentiment":"positive","sentiment_score":0.5190379619598389},{"text":"Any questions for me so far? Nah.","start_word":2232,"end_word":2238,"sentiment":"neutral","sentiment_score":0.2783817648887634},{"text":"It's all feeling pretty good, mate. Pretty straightforward, really. Awesome. I appreciate you taking the time this morning. Just helps me kind of get that little bit of an updated understanding so the documents are accurate, and Yep. then I can have that through to you pretty soon as well.","start_word":2239,"end_word":2288,"sentiment":"positive","sentiment_score":0.609702467918396},{"text":"No worries.","start_word":2289,"end_word":2290,"sentiment":"neutral","sentiment_score":0.24742391705513},{"text":"Awesome.","start_word":2291,"end_word":2291,"sentiment":"positive","sentiment_score":0.46327173709869385},{"text":"I'll leave that pack with you. Give us a call if you have any trouble with that new OdooSign that we're using. It's Mhmm. pretty straightforward. You you hop on, scroll to the bottom of the documents, and it will have a little stampy signature here. Next document to skip through the service guides and ones Yep. that don't require signatures. Yep. And just to quickly let you know for compliance purposes, so you've got certificates for all the insurance performance summary, new service guide with us. The only two to sign is a ongoing service agreement with Hub, and we have included a third party authority for your partner if you would like her to be able to call up and and obtain details on your behalf just so there's a a flow of communication for both of you guys. Is that okay? Yeah. That's fine.","start_word":2292,"end_word":2438,"sentiment":"neutral","sentiment_score":0.17423737049102783},{"text":"It's great.","start_word":2439,"end_word":2440,"sentiment":"positive","sentiment_score":0.5278281569480896},{"text":"Yeah. It's pain in the ass when they can't you know, you've we've been married for about fifteen years, and then you've got stuff in joint names, and then she can't ring and ask the questions. It's Yeah.","start_word":2441,"end_word":2478,"sentiment":"neutral","sentiment_score":-0.3217289447784424},{"text":"just annoying.","start_word":2479,"end_word":2480,"sentiment":"negative","sentiment_score":-0.4559400677680969},{"text":"You know? Easy I understand down. So why as soon they do as do it, but, yeah, it's easy well, if to they be can. honest, mate, with a lot of the not that you guys are in that bucket, with all the separations going on, the amount of family conflicts that we see is just increasing with that Yeah. boomer generation. It's just every year, it seems to get worse and worse with family disputes. Yep. But if you give us a little tick off on that one, then we'll keep that on file, and we're good to go.","start_word":2481,"end_word":2580,"sentiment":"neutral","sentiment_score":-0.02044552704319358},{"text":"Yeah. That's great. Alright. Amazing. Thank you so much for your time, and I will touch base in a couple of weeks. Yep. Sounds good. Have a great week, mate. Cheers. Yeah. You too. Cheers, mate.","start_word":2581,"end_word":2616,"sentiment":"positive","sentiment_score":0.6529276967048645},{"text":"Bye. Bye.","start_word":2617,"end_word":2618,"sentiment":"neutral","sentiment_score":0.23887932300567627}],"average":{"sentiment":"neutral","sentiment_score":0.08700102163058425}}}}