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Yep. Fantastic. David, before we jump into the call, just to let you know, we do record these calls for quality and training purposes. You're happy for us to proceed with that? Fantastic. And just to do security there with you as well, I just need to confirm your full name, your date of birth, and address I should have on file for you. Yeah. Perfect. Thank you so much for that. David, I know you completed a bit of a catch up with my colleague, Samantha, just a few days ago there, and she prebooked you in for a bit of a a catch up with myself on the advisory just to kinda go through things and have a bit of a look at your portfolio. As we're kinda going through the catch up today, is there anything else or anything specific you wanted me to touch on for you? Or Okay. No. That's okay. I'll make sure that comes through to you after the call. That's not a problem at all. Is it easier if we send it via text or email? What would be the best way for you to receive that message? Text? Yeah. Perfect. Thank you so much for that. I'll take care of that one for you. David, I can also see here that your insurance policy with Clearview is up for renewal as well. They have sent you a bit of a letter there just noting that if you wanted to have your 10% discount reset, which can definitely help to make the premiums a little bit cheaper just to go on to their website and answer a couple of health questions. Did you want me to maybe email that to you after the call as well just to give you some information on how that can maybe help your premiums for your in income protection policy. Yeah. Did they send you that letter? Have you received anything from Clearview recently at all? Yeah. No. That's okay. Life gets a bit hectic. Completely understandable. I just know with this this letter here, it essentially allows you up until the March 1. They just want you to sort of pop on. It's about a ten minute questionnaire just around your health. And then, essentially, if so long as you know the criteria, they can reapply that 10% discount onto your income protection policy, which essentially means that it reduces the cost of the premiums coming out each year for you. So it is definitely worth having a bit of a look at if you've got a spare ten minutes aside somewhere one of the days. But I'll email that through to you after the call if you like just so you can have a look because, look, saving money is not a bad thing. Oh, good. Now the other reasons we sort of wanted to touch base with you as well, we do sort of review your portfolio regularly with you. And I know we did do your annual review back in July. Having a bit of a look now, one of your underlying investments and along Australian equities, when you came on board originally, that was recommended as one of the investments there. The idea of having them in your portfolio is to give you a little bit of active management there trying to sort of outperform against certain index of the market to try and to provide greater returns. We have this sort of noticed in the past couple of weeks and months, essentially, that Benelon have had a bit of an underlying issue with one of their investments. So I'm not sure if you've heard in the news at all, but one of their underlying investments, Corporate Traveler, has come out. They had been been dis dishonest to the market and to their investors, and that had come out and had to be noted. One of those things that has to come out to to the market. It did mean that Benelon had to go back and under or reevaluate that portion of their investment, which meant that analysts have gone back and definitely reevaluated Bannalong as well. So, unfortunately, it is causing a little bit of a pullback on your portfolio slightly. That portion is down by about 22%. So it is showing the Bennelong equities, and that is quite a significant portion of your portfolio. You've got over 31% of your portfolio in Bennelong. So we just wanted to touch base to have a bit of a chat, let you know this is something that's happening. We wanna obviously look at removing that from your portfolio, but we wanted to make sure we update all these circumstances to maybe have a look at how best to structure things and what we can maybe put in its place. Have you heard anything recently about what's happened with Bannalong or the underlying investments? Or no. That's okay. So it's a good thing we're giving you a call today and going through that with you. Are you comfortable with me reevaluating not along with maybe your entire portfolio, having a look at what might structure better for you, what might have been performing better in the past, and maybe reassessing net wealth as a super fund as well. Would you like me to do all of that for you and maybe update the advice to reflect? Yeah. Yeah. No. Completely understandable. Unfortunately, some sometimes these things happen with investments. That's why we wanted to touch base as part of the catch up and just make sure we're informing you of what's going on and letting you know we are working to move that out. Since we have been notified of the news, obviously, we have gone back and reevaluated some other options. So we do have some things that we can put in its place and do wanna update that advice for you. But while we are updating the investments, it might be also worth reevaluating whether the Netwealth is the right platform or whether there's something better out there for you as well. It might be a little bit cheaper in fees and help benefit you long term. Does that sound okay? Yeah. Perfect. Do you log in to Netwealth very often to have a look at what's happening with your super? Do you like the visibility you have on on those investments, or you don't sort of look at very often? No. That's okay. Yeah. Yeah. No. That's that's that's absolutely okay. So what the reason I'm sort of asking that question is we do have different ways of investing. As you sort of are aware, you have that been a long investment in there. Part of that that being part of your portfolio in the past was about having a bit of active management there. And when we talk active management, it's not about buying and selling on a regular basis. It's more about investing in investment managers who are doing that with the underlying. They're trying to outperform the market. And we do know over history that some investment managers can, some don't. Not they don't always do it. And, essentially, in order for them to outperform against the market, if we see, like, a large drop back in COVID, as long as that investment manager doesn't drop as far as the benchmark or the market does, and they've still outperformed it. So it's very much it can be seen as a good thing, but it can also be seen as negative aspect. And, often, you pay a little bit more in fees to have those investments in your portfolio. Because having a look at things, so you're 51 at almost 52. Is that right? 50 two in March? Yeah. So because you are getting closer and closer to accessing sleep, so one of the other things I can look at if you're comfortable with is looking at maybe a portfolio that might be lower in fees, is more passively managed. So you're paying less, not having that active management component in there, often passive portfolios. They are tracking a certain index or the market as a whole, and they can outperform those active managers quite significantly just by participating in the what the market is doing. Did you want me to look at something a bit more low cost for you, a bit more passively managed if it's gonna provide greater benefit, hopefully? Yeah. The other thing we do have, if you're comfortable looking at, is over the last couple of probably about the last twelve months now, our investment committee have teamed up with BlackRock, so one of Australia's largest investment firms. And they actually have actually built what's called a separately managed account, which is the SMA. If we were to look at this product for you, all the underlying investments within there are fairly passive managed, but it essentially means that our investment committee along with the BlackRock investment team can make changes to the underlying investments more regularly. So say, if you were in that SMA product and say something happened with one of the underlying investors, like, what has happened with Ben along there, we could actually remove that investment without having to come and have that conversation with you. It sort of gives us a lot more control around what we can moving things to make sure that you're always invested correctly in the investments that are working. We can maneuver things when they're not working or, say, if market changes happen, we can, know, move more money to cash if we need to. And so it kinda gives our investment committee a little bit more control around maneuvering those investments for you to make sure things are working harder. But in saying that if you were then to log in to Netwealth or into your super fund as such, you wouldn't see the nine different investment options that you can see at the moment. You would just see the balance that you have and the SMA product that it is in. Are you comfortable with me looking at something like that to provide you with more sorry. To give us more access to being able to maneuver investments if it's lower cost for you, but knowing that you might lose a little bit of visibility there? Would that be okay with you, David? Or do you wanna see what investments you have? What's your preference? Yep. Yeah. Absolutely. Now the SMA product is not available in Netwealth, so I will look at the super funds that it is available in. Essentially, what I'll do is I'll do the research with my team. We'll go back. It does take a few weeks to complete the research, but we'll update the advice document to reflect what we're recommending, the advantages, the disadvantages, and the risks involved. And then you and I can go through that together. You can take it away, have a really good rate of it, and then decide whether you're happy to take on those recommendations. Does that sound alright with you? Yeah. Perfect. The good part of this is you're an ongoing client, so there's no initial there's no fees for the advice. It's just part of us making sure we're doing things correctly. We wanted to make sure we always pride ourselves on being honest. So letting you know that the market has there has been some things within your portfolio that aren't performing the way we wanted to. We've obviously gone back and reassessed things. We wanna remove it out, but we wanted to have the conversation with you first. Okay? Perfect. All good. Has there been any changes since we sort of spoke last? Just sort of having a look. One of the things you had noted was that you were looking at purchasing your property. You had some savings and some inheritance you had received. Is that still a goal, or have you done that? Fantastic. Fantastic. Well, excellent. Well, congratulations. That is exciting news for you, and that'll be a very large move. You said start up next year, so you got a bit of time ahead of you for organizing that? Yeah. Perfect. So helping her pay the house. That's lovely. Do you still have around around about a 153,000 in savings, or has that amount gone up a little bit? Okay. Perfect. About a 100 and 48,000. Lovely. Perfect. Lovely. Yeah. That sounds exciting. I've heard Vietnam is amazing. Wow. Yeah. No. That's that's fantastic. Well, I'm glad you enjoyed the time. And, look, you can always build your savings back up, but those memories are something you can't get back. And, look, you know, may never go back there again, so that is well worth the money spent, I would say. Yeah. And and fantastic. Excellent. Other assets I have noted is your Prado. We had a value of about 26,500. Would you alter that value at all or still the same? Still the same? Lovely. I've also got your smart loans down here. You had about 500 owing. Have you been able to reduce that or pay it off since July at all? Yep. Perfect. And how much do you have owing on that at the moment? 1,500? Beautiful. Lovely. And then I've also got your contents. We had a a value of about 8,000 on that one. I'd probably keep that roughly about the same there for you. Yep. Beautiful. And your rent, which is $7.60 per week when we last spoke, and it's all paid by your employer part of your salary sacrifice. Is that right? Yep. Yep. Perfect. Lovely. So does this mean you'll be leaving your job and maybe taking another role when you move down south, or are you able to stay with the same employer? Okay. Perfect. Yeah. Yeah. You've got a bit of time ahead of you to sort of get that sorted. That's absolutely okay. When the time comes that you do get another job, do let us know. We can definitely also provide the employer contributions details form for you. And as we are updating the advice, we may have a new super fund to provide that information to you with. So we'll we'll update the advice to reflect now just noting that you do currently have this job, but, obviously, we know that things could change in the future there for you as well. Okay? Yeah. Perfect. The only other thing I just wanted to double check was I know we did discuss your insure your insurance levels back when you did your annual review there. You do only have that income protection policy noted with ClearView. Sorry. You don't have any life cover, so it does sort of mean that if in the event of passing away, it is only your super benefit that is paid out to your beneficiaries there. Are you still fairly comfortable not having life cover at the moment? Yep. Beautiful. And the same with disability with TPD cover. If you were TPD for any unknown reason, and not able to go back to work, if we do, not having any TPD cover as such means that we would have to claim permanent incapacity against your super. It does mean that you can access super on those pounds, and it is a taxable payment. But are you comfortable not having TPD still, not wanting to look at that at the moment? No. That's fine. Perfect. And there's other insurances. We would have gone through trauma, which is held outside of super, and does sort of pay out a tax free lump sum benefit in the event of a certain, sorry, traumatic diagnosis. You're comfortable not looking at anything additional paid outside of sleep. Are you happy just with the income protection you have? Yes. Beautiful. And income wise, I have you earning you're on about 67,100 at the moment. Is that still the same, or have you been lucky enough to get an increase on that? $67,100? Oh, well, hopefully soon. Yeah. That's okay. That's alright. Fingers crossed there for you. It does look like at the moment you are just slightly over insured. That is only by a very small amount. You are paying about $1,800 for that policy out of sleep at the moment. You're happy to keep that level as it is? Yeah. Perfect. Knowing that things could definitely change, so we'll just sort of wait and see and keep up to date with you. Obviously, early next year, we'll make sure we do a bit of a catch up. And you do have an annual review due before then as well. So we'll make sure we catch up and check-in with you to make sure everything's going okay. And just double also double checking your beneficiary information as well. So in the event of passing, where did you want your super benefit to be paid to? It looks like I just don't have a beneficiary nominated on file at all. Yep. Okay. That's okay. That's okay. So did you wanna I mean, you can nominate her beforehand if you are comfortable doing that. Did you want her nominated on there before you move down, or is it something you'd not like to do until you do move in together? Okay. No worries at all. Yeah. Okay. Yeah. Completely understandable. There's a lot going on with divorces, so not a problem at all. Easy. And having a look, I don't have sorry. I don't have any dependents. You don't have any kids at all? No. That's okay. And I have your next of kin noted as Carrie Aiken. Do you mind if I ask who Carrie is? It's your mom. Perfect. Do you happen to know her contact phone number off my heart? I just don't have a phone number for her, Dan. Sorry. If you don't, that's okay. Yep. Beautiful. I'll get that sorted for you after the call. Lovely. Well, look. What I'll do is just to kinda recap is I'll go back and I'll with my team, they will do a bit of research around the different portfolios, definitely look at the SMA and different super funds to make sure we can, you know, hopefully, lower the cost of fees and provide a greater benefit for you. We'll update the advice and come back and show you what that looks like. In the meantime, if you find you have any questions with regard to any of that, please let me know. I do have a lot of advice at the moment, so it will take me a couple of weeks to put that together. But as soon as we have it together, I'll get the team to touch base and book you in to go through it with you. Is that okay? Yeah. Beautiful. Is there anything else that might be important to sort of touch base on at the moment there at all, David? Is that we've sort of hit all the points for the day? Yeah. Beautiful. Have you got the rest of the day off, or are you working today? Beautiful. Yeah. Oh, it's raining. I'm so sorry. That's a shame. It's yeah. Wow. Well, hopefully, that clears, and, hopefully, you can enjoy your your days off. At least it's a good day. Whether it's raining, it's a good day for a bit of Netflix and a bit of veg. Absolutely. Well, you enjoy your time off. I'll get cracking on that research. If we do find we need anything additional, I'll touch base and let you know. If you find you have any questions, let me know. We'll also send through an email with the information for the ClearView policy for you, and I'll get the team to text you asking for ID and to get your mom's phone number for a a next of kin as well. Okay? Thank you for your time. You have a wonderful day. I appreciate you taking my call. Thank you. See you later. 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David. This is Dana from Okie Financial. How are you this morning? I'm very well. Thank you.\n\nI had you booked in for a bit of a catch up this morning. Is now still a good time there for you? Yep. Fantastic. David, before we jump into the call, just to let you know, we do record these calls for quality and training purposes.\n\nYou're happy for us to proceed with that? Fantastic. And just to do security there with you as well, I just need to confirm your full name, your date of birth, and address I should have on file for you. Yeah. Perfect.\n\nThank you so much for that. David, I know you completed a bit of a catch up with my colleague, Samantha, just a few days ago there, and she prebooked you in for a bit of a a catch up with myself on the advisory just to kinda go through things and have a bit of a look at your portfolio. As we're kinda going through the catch up today, is there anything else or anything specific you wanted me to touch on for you? Or Okay. No.\n\nThat's okay. I'll make sure that comes through to you after the call. That's not a problem at all. Is it easier if we send it via text or email? What would be the best way for you to receive that message?\n\nText? Yeah. Perfect. Thank you so much for that. I'll take care of that one for you.\n\nDavid, I can also see here that your insurance policy with Clearview is up for renewal as well. They have sent you a bit of a letter there just noting that if you wanted to have your 10% discount reset, which can definitely help to make the premiums a little bit cheaper just to go on to their website and answer a couple of health questions. Did you want me to maybe email that to you after the call as well just to give you some information on how that can maybe help your premiums for your in income protection policy. Yeah. Did they send you that letter?\n\nHave you received anything from Clearview recently at all? Yeah. No. That's okay. Life gets a bit hectic.\n\nCompletely understandable. I just know with this this letter here, it essentially allows you up until the March 1. They just want you to sort of pop on. It's about a ten minute questionnaire just around your health. And then, essentially, if so long as you know the criteria, they can reapply that 10% discount onto your income protection policy, which essentially means that it reduces the cost of the premiums coming out each year for you.\n\nSo it is definitely worth having a bit of a look at if you've got a spare ten minutes aside somewhere one of the days. But I'll email that through to you after the call if you like just so you can have a look because, look, saving money is not a bad thing. Oh, good. Now the other reasons we sort of wanted to touch base with you as well, we do sort of review your portfolio regularly with you. And I know we did do your annual review back in July.\n\nHaving a bit of a look now, one of your underlying investments and along Australian equities, when you came on board originally, that was recommended as one of the investments there. The idea of having them in your portfolio is to give you a little bit of active management there trying to sort of outperform against certain index of the market to try and to provide greater returns. We have this sort of noticed in the past couple of weeks and months, essentially, that Benelon have had a bit of an underlying issue with one of their investments. So I'm not sure if you've heard in the news at all, but one of their underlying investments, Corporate Traveler, has come out. They had been been dis dishonest to the market and to their investors, and that had come out and had to be noted.\n\nOne of those things that has to come out to to the market. It did mean that Benelon had to go back and under or reevaluate that portion of their investment, which meant that analysts have gone back and definitely reevaluated Bannalong as well. So, unfortunately, it is causing a little bit of a pullback on your portfolio slightly. That portion is down by about 22%. So it is showing the Bennelong equities, and that is quite a significant portion of your portfolio.\n\nYou've got over 31% of your portfolio in Bennelong. So we just wanted to touch base to have a bit of a chat, let you know this is something that's happening. We wanna obviously look at removing that from your portfolio, but we wanted to make sure we update all these circumstances to maybe have a look at how best to structure things and what we can maybe put in its place. Have you heard anything recently about what's happened with Bannalong or the underlying investments? Or no.\n\nThat's okay. So it's a good thing we're giving you a call today and going through that with you. Are you comfortable with me reevaluating not along with maybe your entire portfolio, having a look at what might structure better for you, what might have been performing better in the past, and maybe reassessing net wealth as a super fund as well. Would you like me to do all of that for you and maybe update the advice to reflect? Yeah.\n\nYeah. No. Completely understandable. Unfortunately, some sometimes these things happen with investments. That's why we wanted to touch base as part of the catch up and just make sure we're informing you of what's going on and letting you know we are working to move that out.\n\nSince we have been notified of the news, obviously, we have gone back and reevaluated some other options. So we do have some things that we can put in its place and do wanna update that advice for you. But while we are updating the investments, it might be also worth reevaluating whether the Netwealth is the right platform or whether there's something better out there for you as well. It might be a little bit cheaper in fees and help benefit you long term. Does that sound okay?\n\nYeah. Perfect. Do you log in to Netwealth very often to have a look at what's happening with your super? Do you like the visibility you have on on those investments, or you don't sort of look at very often? No.\n\nThat's okay. Yeah. Yeah. No. That's that's that's absolutely okay.\n\nSo what the reason I'm sort of asking that question is we do have different ways of investing. As you sort of are aware, you have that been a long investment in there. Part of that that being part of your portfolio in the past was about having a bit of active management there. And when we talk active management, it's not about buying and selling on a regular basis. It's more about investing in investment managers who are doing that with the underlying.\n\nThey're trying to outperform the market. And we do know over history that some investment managers can, some don't. Not they don't always do it. And, essentially, in order for them to outperform against the market, if we see, like, a large drop back in COVID, as long as that investment manager doesn't drop as far as the benchmark or the market does, and they've still outperformed it. So it's very much it can be seen as a good thing, but it can also be seen as negative aspect.\n\nAnd, often, you pay a little bit more in fees to have those investments in your portfolio. Because having a look at things, so you're 51 at almost 52. Is that right? 50 two in March? Yeah.\n\nSo because you are getting closer and closer to accessing sleep, so one of the other things I can look at if you're comfortable with is looking at maybe a portfolio that might be lower in fees, is more passively managed. So you're paying less, not having that active management component in there, often passive portfolios. They are tracking a certain index or the market as a whole, and they can outperform those active managers quite significantly just by participating in the what the market is doing. Did you want me to look at something a bit more low cost for you, a bit more passively managed if it's gonna provide greater benefit, hopefully? Yeah.\n\nThe other thing we do have, if you're comfortable looking at, is over the last couple of probably about the last twelve months now, our investment committee have teamed up with BlackRock, so one of Australia's largest investment firms. And they actually have actually built what's called a separately managed account, which is the SMA. If we were to look at this product for you, all the underlying investments within there are fairly passive managed, but it essentially means that our investment committee along with the BlackRock investment team can make changes to the underlying investments more regularly. So say, if you were in that SMA product and say something happened with one of the underlying investors, like, what has happened with Ben along there, we could actually remove that investment without having to come and have that conversation with you. It sort of gives us a lot more control around what we can moving things to make sure that you're always invested correctly in the investments that are working.\n\nWe can maneuver things when they're not working or, say, if market changes happen, we can, know, move more money to cash if we need to. And so it kinda gives our investment committee a little bit more control around maneuvering those investments for you to make sure things are working harder. But in saying that if you were then to log in to Netwealth or into your super fund as such, you wouldn't see the nine different investment options that you can see at the moment. You would just see the balance that you have and the SMA product that it is in. Are you comfortable with me looking at something like that to provide you with more sorry.\n\nTo give us more access to being able to maneuver investments if it's lower cost for you, but knowing that you might lose a little bit of visibility there? Would that be okay with you, David? Or do you wanna see what investments you have? What's your preference? Yep.\n\nYeah. Absolutely. Now the SMA product is not available in Netwealth, so I will look at the super funds that it is available in. Essentially, what I'll do is I'll do the research with my team. We'll go back.\n\nIt does take a few weeks to complete the research, but we'll update the advice document to reflect what we're recommending, the advantages, the disadvantages, and the risks involved. And then you and I can go through that together. You can take it away, have a really good rate of it, and then decide whether you're happy to take on those recommendations. Does that sound alright with you? Yeah.\n\nPerfect. The good part of this is you're an ongoing client, so there's no initial there's no fees for the advice. It's just part of us making sure we're doing things correctly. We wanted to make sure we always pride ourselves on being honest. So letting you know that the market has there has been some things within your portfolio that aren't performing the way we wanted to.\n\nWe've obviously gone back and reassessed things. We wanna remove it out, but we wanted to have the conversation with you first. Okay? Perfect. All good.\n\nHas there been any changes since we sort of spoke last? Just sort of having a look. One of the things you had noted was that you were looking at purchasing your property. You had some savings and some inheritance you had received. Is that still a goal, or have you done that?\n\nFantastic. Fantastic. Well, excellent. Well, congratulations. That is exciting news for you, and that'll be a very large move.\n\nYou said start up next year, so you got a bit of time ahead of you for organizing that? Yeah. Perfect. So helping her pay the house. That's lovely.\n\nDo you still have around around about a 153,000 in savings, or has that amount gone up a little bit? Okay. Perfect. About a 100 and 48,000. Lovely.\n\nPerfect. Lovely. Yeah. That sounds exciting. I've heard Vietnam is amazing.\n\nWow. Yeah. No. That's that's fantastic. Well, I'm glad you enjoyed the time.\n\nAnd, look, you can always build your savings back up, but those memories are something you can't get back. And, look, you know, may never go back there again, so that is well worth the money spent, I would say. Yeah. And and fantastic. Excellent.\n\nOther assets I have noted is your Prado. We had a value of about 26,500. Would you alter that value at all or still the same? Still the same? Lovely.\n\nI've also got your smart loans down here. You had about 500 owing. Have you been able to reduce that or pay it off since July at all? Yep. Perfect.\n\nAnd how much do you have owing on that at the moment? 1,500? Beautiful. Lovely. And then I've also got your contents.\n\nWe had a a value of about 8,000 on that one. I'd probably keep that roughly about the same there for you. Yep. Beautiful. And your rent, which is $7.60 per week when we last spoke, and it's all paid by your employer part of your salary sacrifice.\n\nIs that right? Yep. Yep. Perfect. Lovely.\n\nSo does this mean you'll be leaving your job and maybe taking another role when you move down south, or are you able to stay with the same employer? Okay. Perfect. Yeah. Yeah.\n\nYou've got a bit of time ahead of you to sort of get that sorted. That's absolutely okay. When the time comes that you do get another job, do let us know. We can definitely also provide the employer contributions details form for you. And as we are updating the advice, we may have a new super fund to provide that information to you with.\n\nSo we'll we'll update the advice to reflect now just noting that you do currently have this job, but, obviously, we know that things could change in the future there for you as well. Okay? Yeah. Perfect. The only other thing I just wanted to double check was I know we did discuss your insure your insurance levels back when you did your annual review there.\n\nYou do only have that income protection policy noted with ClearView. Sorry. You don't have any life cover, so it does sort of mean that if in the event of passing away, it is only your super benefit that is paid out to your beneficiaries there. Are you still fairly comfortable not having life cover at the moment? Yep.\n\nBeautiful. And the same with disability with TPD cover. If you were TPD for any unknown reason, and not able to go back to work, if we do, not having any TPD cover as such means that we would have to claim permanent incapacity against your super. It does mean that you can access super on those pounds, and it is a taxable payment. But are you comfortable not having TPD still, not wanting to look at that at the moment?\n\nNo. That's fine. Perfect. And there's other insurances. We would have gone through trauma, which is held outside of super, and does sort of pay out a tax free lump sum benefit in the event of a certain, sorry, traumatic diagnosis.\n\nYou're comfortable not looking at anything additional paid outside of sleep. Are you happy just with the income protection you have? Yes. Beautiful. And income wise, I have you earning you're on about 67,100 at the moment.\n\nIs that still the same, or have you been lucky enough to get an increase on that? $67,100? Oh, well, hopefully soon. Yeah. That's okay.\n\nThat's alright. Fingers crossed there for you. It does look like at the moment you are just slightly over insured. That is only by a very small amount. You are paying about $1,800 for that policy out of sleep at the moment.\n\nYou're happy to keep that level as it is? Yeah. Perfect. Knowing that things could definitely change, so we'll just sort of wait and see and keep up to date with you. Obviously, early next year, we'll make sure we do a bit of a catch up.\n\nAnd you do have an annual review due before then as well. So we'll make sure we catch up and check-in with you to make sure everything's going okay. And just double also double checking your beneficiary information as well. So in the event of passing, where did you want your super benefit to be paid to? It looks like I just don't have a beneficiary nominated on file at all.\n\nYep. Okay. That's okay. That's okay. So did you wanna I mean, you can nominate her beforehand if you are comfortable doing that.\n\nDid you want her nominated on there before you move down, or is it something you'd not like to do until you do move in together? Okay. No worries at all. Yeah. Okay.\n\nYeah. Completely understandable. There's a lot going on with divorces, so not a problem at all. Easy. And having a look, I don't have sorry.\n\nI don't have any dependents. You don't have any kids at all? No. That's okay. And I have your next of kin noted as Carrie Aiken.\n\nDo you mind if I ask who Carrie is? It's your mom. Perfect. Do you happen to know her contact phone number off my heart? I just don't have a phone number for her, Dan.\n\nSorry. If you don't, that's okay. Yep. Beautiful. I'll get that sorted for you after the call.\n\nLovely. Well, look. What I'll do is just to kinda recap is I'll go back and I'll with my team, they will do a bit of research around the different portfolios, definitely look at the SMA and different super funds to make sure we can, you know, hopefully, lower the cost of fees and provide a greater benefit for you. We'll update the advice and come back and show you what that looks like. In the meantime, if you find you have any questions with regard to any of that, please let me know.\n\nI do have a lot of advice at the moment, so it will take me a couple of weeks to put that together. But as soon as we have it together, I'll get the team to touch base and book you in to go through it with you. Is that okay? Yeah. Beautiful.\n\nIs there anything else that might be important to sort of touch base on at the moment there at all, David? Is that we've sort of hit all the points for the day? Yeah. Beautiful. Have you got the rest of the day off, or are you working today?\n\nBeautiful. Yeah. Oh, it's raining. I'm so sorry. That's a shame.\n\nIt's yeah. Wow. Well, hopefully, that clears, and, hopefully, you can enjoy your your days off. At least it's a good day. Whether it's raining, it's a good day for a bit of Netflix and a bit of veg.\n\nAbsolutely. Well, you enjoy your time off. I'll get cracking on that research. If we do find we need anything additional, I'll touch base and let you know. If you find you have any questions, let me know.\n\nWe'll also send through an email with the information for the ClearView policy for you, and I'll get the team to text you asking for ID and to get your mom's phone number for a a next of kin as well. Okay? Thank you for your time. You have a wonderful day. I appreciate you taking my call.\n\nThank you. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, David.","start":5.44,"end":6.08,"sentiment":"neutral","sentiment_score":0.09888163581490518},{"text":"This is Dana from Okie Financial.","start":6.08,"end":7.7,"sentiment":"neutral","sentiment_score":0.13958826661109924},{"text":"How are you this morning?","start":7.7599998,"end":8.9,"sentiment":"neutral","sentiment_score":0.19644374251365662},{"text":"I'm very well.","start":10.719999,"end":11.5199995,"sentiment":"positive","sentiment_score":0.5874804854393005},{"text":"Thank you.","start":11.5199995,"end":11.84,"sentiment":"positive","sentiment_score":0.6832176744937897}],"sentiment":"neutral","sentiment_score":0.2859104660650094,"num_words":18,"start":5.44,"end":11.84},{"sentences":[{"text":"I had you booked in for a bit of a catch up this morning.","start":11.84,"end":13.92,"sentiment":"neutral","sentiment_score":0.3301239609718323},{"text":"Is now still a good time there for you?","start":13.92,"end":15.735,"sentiment":"neutral","sentiment_score":0.2999466442399555},{"text":"Yep.","start":17.574999,"end":17.975,"sentiment":"positive","sentiment_score":0.3599027991294861},{"text":"Fantastic.","start":17.975,"end":18.475,"sentiment":"positive","sentiment_score":0.6187740564346313},{"text":"David, before we jump into the call, just to let you know, we do record these calls for quality and training purposes.","start":18.775,"end":23.414999,"sentiment":"neutral","sentiment_score":0.2112406072291461}],"sentiment":"neutral","sentiment_score":0.2754728822632039,"num_words":47,"start":11.84,"end":23.414999},{"sentences":[{"text":"You're happy for us to proceed with that?","start":23.414999,"end":25.275,"sentiment":"positive","sentiment_score":0.35224952176213264},{"text":"Fantastic.","start":26.775,"end":27.275,"sentiment":"positive","sentiment_score":0.6251937747001648},{"text":"And just to do security there with you as well, I just need to confirm your full name, your date of birth, and address I should have on file for you.","start":27.335,"end":33.43,"sentiment":"neutral","sentiment_score":0.2103271811239181},{"text":"Yeah.","start":39.89,"end":40.37,"sentiment":"neutral","sentiment_score":0.09497705101966858},{"text":"Perfect.","start":40.37,"end":40.85,"sentiment":"positive","sentiment_score":0.3700697422027588}],"sentiment":"neutral","sentiment_score":0.2482947465919313,"num_words":42,"start":23.414999,"end":40.85},{"sentences":[{"text":"Thank you so much for that.","start":40.85,"end":42.39,"sentiment":"positive","sentiment_score":0.4931480387846629},{"text":"David, I know you completed a bit of a catch up with my colleague, Samantha, just a few days ago there, and she prebooked you in for a bit of a a catch up with myself on the advisory just to kinda go through things and have a bit of a look at your portfolio.","start":42.45,"end":54.025,"sentiment":"neutral","sentiment_score":0.18487562239170074},{"text":"As we're kinda going through the catch up today, is there anything else or anything specific you wanted me to touch on for you?","start":54.885002,"end":59.94,"sentiment":"neutral","sentiment_score":0.07295126359288891},{"text":"Or Okay.","start":59.94,"end":69.56,"sentiment":"neutral","sentiment_score":-0.0009381379932165146},{"text":"No.","start":71.015,"end":71.174995,"sentiment":"neutral","sentiment_score":-0.005071690306067467}],"sentiment":"neutral","sentiment_score":0.16898783891123126,"num_words":88,"start":40.85,"end":71.174995},{"sentences":[{"text":"That's okay.","start":71.174995,"end":71.814995,"sentiment":"neutral","sentiment_score":0.03287963289767504},{"text":"I'll make sure that comes through to you after the call.","start":71.814995,"end":74.134995,"sentiment":"neutral","sentiment_score":0.09499345448884097},{"text":"That's not a problem at all.","start":74.134995,"end":75.595,"sentiment":"neutral","sentiment_score":0.19978157927592596},{"text":"Is it easier if we send it via text or email?","start":75.655,"end":78.055,"sentiment":"neutral","sentiment_score":0.06513081253929572},{"text":"What would be the best way for you to receive that message?","start":78.055,"end":80.475,"sentiment":"neutral","sentiment_score":0.04507480934262276}],"sentiment":"neutral","sentiment_score":0.08492174740171149,"num_words":42,"start":71.174995,"end":80.475},{"sentences":[{"text":"Text?","start":82.854996,"end":83.255,"sentiment":"neutral","sentiment_score":0.07624491304159164},{"text":"Yeah.","start":83.255,"end":83.575,"sentiment":"neutral","sentiment_score":0.13483330607414246},{"text":"Perfect.","start":83.575,"end":83.975,"sentiment":"neutral","sentiment_score":0.3250129520893097},{"text":"Thank you so much for that.","start":83.975,"end":85.095,"sentiment":"positive","sentiment_score":0.4999134987592697},{"text":"I'll take care of that one for you.","start":85.095,"end":86.7,"sentiment":"positive","sentiment_score":0.46837108582258224}],"sentiment":"positive","sentiment_score":0.4283847559024306,"num_words":17,"start":82.854996,"end":86.7},{"sentences":[{"text":"David, I can also see here that your insurance policy with Clearview is up for renewal as well.","start":87.18,"end":93.02,"sentiment":"neutral","sentiment_score":0.08688913451300727},{"text":"They have sent you a bit of a letter there just noting that if you wanted to have your 10% discount reset, which can definitely help to make the premiums a little bit cheaper just to go on to their website and answer a couple of health questions.","start":93.02,"end":105.475,"sentiment":"positive","sentiment_score":0.42737232738484937},{"text":"Did you want me to maybe email that to you after the call as well just to give you some information on how that can maybe help your premiums for your in income protection policy.","start":106.095,"end":115.97,"sentiment":"positive","sentiment_score":0.33611183932849337},{"text":"Yeah.","start":118.11,"end":118.509995,"sentiment":"neutral","sentiment_score":0.08241653442382812},{"text":"Did they send you that letter?","start":118.509995,"end":120.189995,"sentiment":"neutral","sentiment_score":0.08829555039604504}],"sentiment":"neutral","sentiment_score":0.31901833656485434,"num_words":108,"start":87.18,"end":120.189995},{"sentences":[{"text":"Have you received anything from Clearview recently at all?","start":120.189995,"end":122.93,"sentiment":"neutral","sentiment_score":0.03496724781062868},{"text":"Yeah.","start":128.035,"end":128.355,"sentiment":"neutral","sentiment_score":-0.10020306706428528},{"text":"No.","start":128.355,"end":128.595,"sentiment":"neutral","sentiment_score":-0.2053833305835724},{"text":"That's okay.","start":128.595,"end":129.475,"sentiment":"neutral","sentiment_score":-0.19504062831401825},{"text":"Life gets a bit hectic.","start":129.475,"end":130.755,"sentiment":"neutral","sentiment_score":-0.27281041741371154}],"sentiment":"neutral","sentiment_score":-0.09694525061382188,"num_words":18,"start":120.189995,"end":130.755},{"sentences":[{"text":"Completely understandable.","start":130.755,"end":131.975,"sentiment":"neutral","sentiment_score":0.013784584880340844},{"text":"I just know with this this letter here, it essentially allows you up until the March 1.","start":132.755,"end":137.395,"sentiment":"neutral","sentiment_score":0.17636074695517034},{"text":"They just want you to sort of pop on.","start":137.395,"end":138.675,"sentiment":"neutral","sentiment_score":0.2888687484794193},{"text":"It's about a ten minute questionnaire just around your health.","start":138.675,"end":141.415,"sentiment":"neutral","sentiment_score":0.21712775975465776},{"text":"And then, essentially, if so long as you know the criteria, they can reapply that 10% discount onto your income protection policy, which essentially means that it reduces the cost of the premiums coming out each year for you.","start":141.81999,"end":153.26,"sentiment":"positive","sentiment_score":0.4053234438865613}],"sentiment":"neutral","sentiment_score":0.3065508118628028,"num_words":77,"start":130.755,"end":153.26},{"sentences":[{"text":"So it is definitely worth having a bit of a look at if you've got a spare ten minutes aside somewhere one of the days.","start":153.26,"end":158.41501,"sentiment":"positive","sentiment_score":0.4572463685274124},{"text":"But I'll email that through to you after the call if you like just so you can have a look because, look, saving money is not a bad thing.","start":158.63501,"end":164.41501,"sentiment":"positive","sentiment_score":0.41257937509438086},{"text":"Oh, good.","start":166.715,"end":167.43,"sentiment":"positive","sentiment_score":0.5183481574058533},{"text":"Now the other reasons we sort of wanted to touch base with you as well, we do sort of review your portfolio regularly with you.","start":167.59,"end":172.87,"sentiment":"neutral","sentiment_score":0.2970359861850739},{"text":"And I know we did do your annual review back in July.","start":172.87,"end":175.53,"sentiment":"neutral","sentiment_score":0.19735037535429}],"sentiment":"positive","sentiment_score":0.36802969424314397,"num_words":93,"start":153.26,"end":175.53},{"sentences":[{"text":"Having a bit of a look now, one of your underlying investments and along Australian equities, when you came on board originally, that was recommended as one of the investments there.","start":176.31,"end":184.475,"sentiment":"neutral","sentiment_score":0.17888650935023062},{"text":"The idea of having them in your portfolio is to give you a little bit of active management there trying to sort of outperform against certain index of the market to try and to provide greater returns.","start":184.475,"end":193.615,"sentiment":"positive","sentiment_score":0.3602295840108717},{"text":"We have this sort of noticed in the past couple of weeks and months, essentially, that Benelon have had a bit of an underlying issue with one of their investments.","start":193.995,"end":200.97,"sentiment":"neutral","sentiment_score":-0.10547313168644905},{"text":"So I'm not sure if you've heard in the news at all, but one of their underlying investments, Corporate Traveler, has come out.","start":201.11,"end":207.35,"sentiment":"neutral","sentiment_score":-0.22197369615668835},{"text":"They had been been dis dishonest to the market and to their investors, and that had come out and had to be noted.","start":207.35,"end":213.765,"sentiment":"negative","sentiment_score":-0.5468219052190366}],"sentiment":"neutral","sentiment_score":-0.013698030444276001,"num_words":144,"start":176.31,"end":213.765},{"sentences":[{"text":"One of those things that has to come out to to the market.","start":213.825,"end":216.705,"sentiment":"neutral","sentiment_score":-0.2762827437657576},{"text":"It did mean that Benelon had to go back and under or reevaluate that portion of their investment, which meant that analysts have gone back and definitely reevaluated Bannalong as well.","start":216.705,"end":225.83,"sentiment":"neutral","sentiment_score":-0.20671498054458248},{"text":"So, unfortunately, it is causing a little bit of a pullback on your portfolio slightly.","start":225.83,"end":229.84999,"sentiment":"negative","sentiment_score":-0.6245952328046163},{"text":"That portion is down by about 22%.","start":230.31,"end":232.87,"sentiment":"neutral","sentiment_score":-0.2961072453430721},{"text":"So it is showing the Bennelong equities, and that is quite a significant portion of your portfolio.","start":232.87,"end":238.185,"sentiment":"neutral","sentiment_score":-0.186605584972045}],"sentiment":"neutral","sentiment_score":-0.29655197855219784,"num_words":83,"start":213.825,"end":238.185},{"sentences":[{"text":"You've got over 31% of your portfolio in Bennelong.","start":238.245,"end":241.30501,"sentiment":"neutral","sentiment_score":-0.04817272929681672},{"text":"So we just wanted to touch base to have a bit of a chat, let you know this is something that's happening.","start":241.365,"end":245.865,"sentiment":"neutral","sentiment_score":-0.0029420588504184375},{"text":"We wanna obviously look at removing that from your portfolio, but we wanted to make sure we update all these circumstances to maybe have a look at how best to structure things and what we can maybe put in its place.","start":245.925,"end":256.86,"sentiment":"neutral","sentiment_score":0.003770754468150255},{"text":"Have you heard anything recently about what's happened with Bannalong or the underlying investments?","start":256.86,"end":261.44,"sentiment":"neutral","sentiment_score":-0.03960097009049995},{"text":"Or no.","start":261.66,"end":264.005,"sentiment":"neutral","sentiment_score":-0.135716050863266}],"sentiment":"neutral","sentiment_score":-0.013290052365680987,"num_words":88,"start":238.245,"end":264.005},{"sentences":[{"text":"That's okay.","start":264.005,"end":264.965,"sentiment":"neutral","sentiment_score":0.007708907127380371},{"text":"So it's a good thing we're giving you a call today and going through that with you.","start":264.965,"end":268.425,"sentiment":"positive","sentiment_score":0.5112883360946879},{"text":"Are you comfortable with me reevaluating not along with maybe your entire portfolio, having a look at what might structure better for you, what might have been performing better in the past, and maybe reassessing net wealth as a super fund as well.","start":269.285,"end":281.38,"sentiment":"neutral","sentiment_score":0.11952842936612838},{"text":"Would you like me to do all of that for you and maybe update the advice to reflect?","start":281.38,"end":285.0,"sentiment":"neutral","sentiment_score":0.12238779415686925},{"text":"Yeah.","start":287.38,"end":287.88,"sentiment":"neutral","sentiment_score":0.19100797176361084}],"sentiment":"neutral","sentiment_score":0.20050654638512636,"num_words":81,"start":264.005,"end":287.88},{"sentences":[{"text":"Yeah.","start":289.86002,"end":290.26,"sentiment":"neutral","sentiment_score":0.037660885602235794},{"text":"No.","start":290.26,"end":290.76,"sentiment":"neutral","sentiment_score":-0.02492040768265724},{"text":"Completely understandable.","start":290.94498,"end":291.76498,"sentiment":"neutral","sentiment_score":0.08628686517477036},{"text":"Unfortunately, some sometimes these things happen with investments.","start":291.905,"end":294.54498,"sentiment":"neutral","sentiment_score":-0.11534969136118889},{"text":"That's why we wanted to touch base as part of the catch up and just make sure we're informing you of what's going on and letting you know we are working to move that out.","start":294.54498,"end":302.565,"sentiment":"neutral","sentiment_score":0.0661576687757458}],"sentiment":"neutral","sentiment_score":0.033575214564483216,"num_words":47,"start":289.86002,"end":302.565},{"sentences":[{"text":"Since we have been notified of the news, obviously, we have gone back and reevaluated some other options.","start":302.705,"end":307.48,"sentiment":"neutral","sentiment_score":0.13759346968597835},{"text":"So we do have some things that we can put in its place and do wanna update that advice for you.","start":307.48,"end":312.46,"sentiment":"neutral","sentiment_score":0.18730841931842623},{"text":"But while we are updating the investments, it might be also worth reevaluating whether the Netwealth is the right platform or whether there's something better out there for you as well.","start":312.68,"end":320.44,"sentiment":"neutral","sentiment_score":0.0873387191564806},{"text":"It might be a little bit cheaper in fees and help benefit you long term.","start":320.44,"end":324.215,"sentiment":"positive","sentiment_score":0.388021856546402},{"text":"Does that sound okay?","start":324.215,"end":325.435,"sentiment":"neutral","sentiment_score":0.18937842547893524}],"sentiment":"neutral","sentiment_score":0.1763539449887329,"num_words":89,"start":302.705,"end":325.435},{"sentences":[{"text":"Yeah.","start":327.255,"end":327.655,"sentiment":"positive","sentiment_score":0.39194321632385254},{"text":"Perfect.","start":327.655,"end":328.155,"sentiment":"positive","sentiment_score":0.4831808805465698},{"text":"Do you log in to Netwealth very often to have a look at what's happening with your super?","start":328.215,"end":331.975,"sentiment":"neutral","sentiment_score":0.11540260745419396},{"text":"Do you like the visibility you have on on those investments, or you don't sort of look at very often?","start":331.975,"end":339.57,"sentiment":"neutral","sentiment_score":0.008896243828348815},{"text":"No.","start":339.87,"end":340.19,"sentiment":"neutral","sentiment_score":-0.07962891459465027}],"sentiment":"neutral","sentiment_score":0.07440651202483511,"num_words":41,"start":327.255,"end":340.19},{"sentences":[{"text":"That's okay.","start":340.19,"end":341.01,"sentiment":"neutral","sentiment_score":-0.029149580746889114},{"text":"Yeah.","start":348.11,"end":348.61,"sentiment":"neutral","sentiment_score":-0.007785961963236332},{"text":"Yeah.","start":349.63,"end":350.13,"sentiment":"neutral","sentiment_score":0.010854791849851608},{"text":"No.","start":350.25497,"end":350.41498,"sentiment":"neutral","sentiment_score":-0.09139858186244965},{"text":"That's that's that's absolutely okay.","start":350.41498,"end":352.75497,"sentiment":"neutral","sentiment_score":0.017778085172176362}],"sentiment":"neutral","sentiment_score":-0.005773848760873078,"num_words":10,"start":340.19,"end":352.75497},{"sentences":[{"text":"So what the reason I'm sort of asking that question is we do have different ways of investing.","start":353.055,"end":358.03497,"sentiment":"neutral","sentiment_score":0.0901310636351506},{"text":"As you sort of are aware, you have that been a long investment in there.","start":358.095,"end":361.215,"sentiment":"neutral","sentiment_score":0.06290539205074311},{"text":"Part of that that being part of your portfolio in the past was about having a bit of active management there.","start":361.215,"end":366.73,"sentiment":"neutral","sentiment_score":0.11206334900288355},{"text":"And when we talk active management, it's not about buying and selling on a regular basis.","start":366.73,"end":370.65002,"sentiment":"neutral","sentiment_score":0.06535077915759757},{"text":"It's more about investing in investment managers who are doing that with the underlying.","start":370.65002,"end":374.35,"sentiment":"neutral","sentiment_score":0.25086082411663874}],"sentiment":"neutral","sentiment_score":0.11282064713582042,"num_words":84,"start":353.055,"end":374.35},{"sentences":[{"text":"They're trying to outperform the market.","start":374.49002,"end":376.17,"sentiment":"positive","sentiment_score":0.4357570956150691},{"text":"And we do know over history that some investment managers can, some don't.","start":376.17,"end":380.89502,"sentiment":"neutral","sentiment_score":0.0924484021961689},{"text":"Not they don't always do it.","start":380.89502,"end":382.915,"sentiment":"neutral","sentiment_score":-0.0954342782497406},{"text":"And, essentially, in order for them to outperform against the market, if we see, like, a large drop back in COVID, as long as that investment manager doesn't drop as far as the benchmark or the market does, and they've still outperformed it.","start":382.975,"end":394.63,"sentiment":"neutral","sentiment_score":-0.0295814692237696},{"text":"So it's very much it can be seen as a good thing, but it can also be seen as negative aspect.","start":394.63,"end":401.75,"sentiment":"negative","sentiment_score":-0.4176855513027736}],"sentiment":"neutral","sentiment_score":-0.07640037776672104,"num_words":89,"start":374.49002,"end":401.75},{"sentences":[{"text":"And, often, you pay a little bit more in fees to have those investments in your portfolio.","start":401.75,"end":405.61,"sentiment":"negative","sentiment_score":-0.3546453504001393},{"text":"Because having a look at things, so you're 51 at almost 52.","start":406.435,"end":411.635,"sentiment":"neutral","sentiment_score":-0.025905916253880907},{"text":"Is that right?","start":411.635,"end":412.275,"sentiment":"neutral","sentiment_score":0.011755581945180893},{"text":"50 two in March?","start":412.275,"end":413.495,"sentiment":"neutral","sentiment_score":0.006981169572100043},{"text":"Yeah.","start":414.355,"end":414.755,"sentiment":"neutral","sentiment_score":0.15584883093833923}],"sentiment":"neutral","sentiment_score":-0.16542707288612588,"num_words":37,"start":401.75,"end":414.755},{"sentences":[{"text":"So because you are getting closer and closer to accessing sleep, so one of the other things I can look at if you're comfortable with is looking at maybe a portfolio that might be lower in fees, is more passively managed.","start":414.755,"end":425.71,"sentiment":"neutral","sentiment_score":0.2493909074038994},{"text":"So you're paying less, not having that active management component in there, often passive portfolios.","start":425.85,"end":430.99,"sentiment":"neutral","sentiment_score":0.2713169346253077},{"text":"They are tracking a certain index or the market as a whole, and they can outperform those active managers quite significantly just by participating in the what the market is doing.","start":431.05,"end":441.335,"sentiment":"positive","sentiment_score":0.5065393332512148},{"text":"Did you want me to look at something a bit more low cost for you, a bit more passively managed if it's gonna provide greater benefit, hopefully?","start":441.395,"end":447.895,"sentiment":"positive","sentiment_score":0.4220318733542054},{"text":"Yeah.","start":450.15,"end":450.65,"sentiment":"neutral","sentiment_score":0.24728354811668396}],"sentiment":"positive","sentiment_score":0.36208386680354243,"num_words":115,"start":414.755,"end":450.65},{"sentences":[{"text":"The other thing we do have, if you're comfortable looking at, is over the last couple of probably about the last twelve months now, our investment committee have teamed up with BlackRock, so one of Australia's largest investment firms.","start":450.87,"end":463.515,"sentiment":"neutral","sentiment_score":0.21465384310636765},{"text":"And they actually have actually built what's called a separately managed account, which is the SMA.","start":463.595,"end":468.015,"sentiment":"neutral","sentiment_score":0.2336110365577042},{"text":"If we were to look at this product for you, all the underlying investments within there are fairly passive managed, but it essentially means that our investment committee along with the BlackRock investment team can make changes to the underlying investments more regularly.","start":468.39502,"end":482.09,"sentiment":"neutral","sentiment_score":0.11301741844346357},{"text":"So say, if you were in that SMA product and say something happened with one of the underlying investors, like, what has happened with Ben along there, we could actually remove that investment without having to come and have that conversation with you.","start":482.09,"end":494.255,"sentiment":"neutral","sentiment_score":0.10521364601892094},{"text":"It sort of gives us a lot more control around what we can moving things to make sure that you're always invested correctly in the investments that are working.","start":494.255,"end":502.01498,"sentiment":"neutral","sentiment_score":0.2870419893799157}],"sentiment":"neutral","sentiment_score":0.17539664664689233,"num_words":170,"start":450.87,"end":502.01498},{"sentences":[{"text":"We can maneuver things when they're not working or, say, if market changes happen, we can, know, move more money to cash if we need to.","start":502.01498,"end":508.7,"sentiment":"neutral","sentiment_score":0.13773335931965938},{"text":"And so it kinda gives our investment committee a little bit more control around maneuvering those investments for you to make sure things are working harder.","start":508.84,"end":516.38,"sentiment":"neutral","sentiment_score":0.24071936796490961},{"text":"But in saying that if you were then to log in to Netwealth or into your super fund as such, you wouldn't see the nine different investment options that you can see at the moment.","start":517.32,"end":526.78503,"sentiment":"neutral","sentiment_score":-0.0019304896837898664},{"text":"You would just see the balance that you have and the SMA product that it is in.","start":526.78503,"end":531.04504,"sentiment":"neutral","sentiment_score":0.07271197383456371},{"text":"Are you comfortable with me looking at something like that to provide you with more sorry.","start":531.185,"end":536.41003,"sentiment":"neutral","sentiment_score":0.06336029944941401}],"sentiment":"neutral","sentiment_score":0.1001839343070363,"num_words":120,"start":502.01498,"end":536.41003},{"sentences":[{"text":"To give us more access to being able to maneuver investments if it's lower cost for you, but knowing that you might lose a little bit of visibility there?","start":536.47003,"end":543.91003,"sentiment":"neutral","sentiment_score":0.10946064879154337},{"text":"Would that be okay with you, David?","start":543.91003,"end":545.43,"sentiment":"neutral","sentiment_score":0.08723495900630951},{"text":"Or do you wanna see what investments you have?","start":545.43,"end":547.59,"sentiment":"neutral","sentiment_score":0.03664036488367452},{"text":"What's your preference?","start":547.59,"end":548.505,"sentiment":"neutral","sentiment_score":0.04072175733745098},{"text":"Yep.","start":554.505,"end":554.825,"sentiment":"neutral","sentiment_score":0.20121005177497864}],"sentiment":"neutral","sentiment_score":0.09057432930080259,"num_words":49,"start":536.47003,"end":554.825},{"sentences":[{"text":"Yeah.","start":554.825,"end":555.225,"sentiment":"neutral","sentiment_score":0.2480667233467102},{"text":"Absolutely.","start":555.225,"end":555.725,"sentiment":"neutral","sentiment_score":0.24982868134975433},{"text":"Now the SMA product is not available in Netwealth, so I will look at the super funds that it is available in.","start":556.425,"end":561.87,"sentiment":"neutral","sentiment_score":-0.024452692744406788},{"text":"Essentially, what I'll do is I'll do the research with my team.","start":562.27,"end":564.58997,"sentiment":"neutral","sentiment_score":0.07576506274441878},{"text":"We'll go back.","start":564.58997,"end":565.31,"sentiment":"neutral","sentiment_score":0.08252772440512975}],"sentiment":"neutral","sentiment_score":0.028633335653023843,"num_words":39,"start":554.825,"end":565.31},{"sentences":[{"text":"It does take a few weeks to complete the research, but we'll update the advice document to reflect what we're recommending, the advantages, the disadvantages, and the risks involved.","start":565.31,"end":573.71,"sentiment":"neutral","sentiment_score":0.05352710996722353},{"text":"And then you and I can go through that together.","start":573.71,"end":575.65,"sentiment":"neutral","sentiment_score":0.20912380069494246},{"text":"You can take it away, have a really good rate of it, and then decide whether you're happy to take on those recommendations.","start":575.775,"end":580.435,"sentiment":"neutral","sentiment_score":0.3185378915589789},{"text":"Does that sound alright with you?","start":580.655,"end":582.195,"sentiment":"neutral","sentiment_score":0.14681359132130942},{"text":"Yeah.","start":583.775,"end":584.09503,"sentiment":"positive","sentiment_score":0.3930787444114685}],"sentiment":"neutral","sentiment_score":0.17744718832166298,"num_words":69,"start":565.31,"end":584.09503},{"sentences":[{"text":"Perfect.","start":584.09503,"end":584.575,"sentiment":"positive","sentiment_score":0.6740604639053345},{"text":"The good part of this is you're an ongoing client, so there's no initial there's no fees for the advice.","start":584.575,"end":589.135,"sentiment":"positive","sentiment_score":0.40563514828681946},{"text":"It's just part of us making sure we're doing things correctly.","start":589.135,"end":591.76,"sentiment":"positive","sentiment_score":0.44825916669585486},{"text":"We wanted to make sure we always pride ourselves on being honest.","start":592.14,"end":595.02,"sentiment":"positive","sentiment_score":0.42854303618272144},{"text":"So letting you know that the market has there has been some things within your portfolio that aren't performing the way we wanted to.","start":595.02,"end":601.1,"sentiment":"neutral","sentiment_score":0.071136160986498}],"sentiment":"neutral","sentiment_score":0.30246174354654026,"num_words":68,"start":584.09503,"end":601.1},{"sentences":[{"text":"We've obviously gone back and reassessed things.","start":601.1,"end":602.995,"sentiment":"neutral","sentiment_score":0.0008756457827985287},{"text":"We wanna remove it out, but we wanted to have the conversation with you first.","start":602.995,"end":606.69495,"sentiment":"neutral","sentiment_score":0.027707590349018575},{"text":"Okay?","start":607.15497,"end":607.65497,"sentiment":"neutral","sentiment_score":0.018425000831484795},{"text":"Perfect.","start":608.595,"end":609.095,"sentiment":"neutral","sentiment_score":0.3057800531387329},{"text":"All good.","start":609.475,"end":610.21497,"sentiment":"neutral","sentiment_score":0.28728944063186646}],"sentiment":"neutral","sentiment_score":0.05078951195956996,"num_words":26,"start":601.1,"end":610.21497},{"sentences":[{"text":"Has there been any changes since we sort of spoke last?","start":610.595,"end":613.39496,"sentiment":"neutral","sentiment_score":0.031132328070022842},{"text":"Just sort of having a look.","start":613.39496,"end":614.355,"sentiment":"neutral","sentiment_score":0.018449341878294945},{"text":"One of the things you had noted was that you were looking at purchasing your property.","start":614.355,"end":619.37,"sentiment":"neutral","sentiment_score":0.019075478427112103},{"text":"You had some savings and some inheritance you had received.","start":619.37,"end":622.43,"sentiment":"neutral","sentiment_score":0.028880014643073083},{"text":"Is that still a goal, or have you done that?","start":622.57,"end":624.75,"sentiment":"neutral","sentiment_score":0.03191084265708923}],"sentiment":"neutral","sentiment_score":0.025778639393876184,"num_words":53,"start":610.595,"end":624.75},{"sentences":[{"text":"Fantastic.","start":637.705,"end":638.205,"sentiment":"positive","sentiment_score":0.394496351480484},{"text":"Fantastic.","start":644.04,"end":644.54,"sentiment":"neutral","sentiment_score":0.282243937253952},{"text":"Well, excellent.","start":646.92,"end":648.45996,"sentiment":"positive","sentiment_score":0.3804292231798172},{"text":"Well, congratulations.","start":648.51996,"end":649.33997,"sentiment":"positive","sentiment_score":0.5446591079235077},{"text":"That is exciting news for you, and that'll be a very large move.","start":649.87994,"end":653.57996,"sentiment":"positive","sentiment_score":0.41551050543785095}],"sentiment":"positive","sentiment_score":0.41729229061227097,"num_words":19,"start":637.705,"end":653.57996},{"sentences":[{"text":"You said start up next year, so you got a bit of time ahead of you for organizing that?","start":653.87994,"end":658.495,"sentiment":"neutral","sentiment_score":0.061549081516109015},{"text":"Yeah.","start":659.995,"end":660.495,"sentiment":"neutral","sentiment_score":0.01966750994324684},{"text":"Perfect.","start":661.435,"end":661.935,"sentiment":"neutral","sentiment_score":0.23132747411727905},{"text":"So helping her pay the house.","start":662.07495,"end":663.435,"sentiment":"neutral","sentiment_score":0.21660558506846428},{"text":"That's lovely.","start":663.435,"end":664.07495,"sentiment":"positive","sentiment_score":0.5161426961421967}],"sentiment":"neutral","sentiment_score":0.12939125639868193,"num_words":29,"start":653.87994,"end":664.07495},{"sentences":[{"text":"Do you still have around around about a 153,000 in savings, or has that amount gone up a little bit?","start":664.07495,"end":670.29,"sentiment":"neutral","sentiment_score":0.03303548647090793},{"text":"Okay.","start":677.81,"end":678.29,"sentiment":"neutral","sentiment_score":0.24749651551246643},{"text":"Perfect.","start":678.29,"end":678.76996,"sentiment":"positive","sentiment_score":0.423911452293396},{"text":"About a 100 and 48,000.","start":678.76996,"end":680.63,"sentiment":"neutral","sentiment_score":0.08194475695490837},{"text":"Lovely.","start":680.85,"end":681.35,"sentiment":"positive","sentiment_score":0.5329545140266418}],"sentiment":"neutral","sentiment_score":0.0812427141437573,"num_words":28,"start":664.07495,"end":681.35},{"sentences":[{"text":"Perfect.","start":681.88995,"end":682.38995,"sentiment":"positive","sentiment_score":0.4844648241996765},{"text":"Lovely.","start":683.405,"end":683.905,"sentiment":"neutral","sentiment_score":0.31973445415496826},{"text":"Yeah.","start":689.48505,"end":689.98505,"sentiment":"neutral","sentiment_score":0.19331999123096463},{"text":"That sounds exciting.","start":690.84503,"end":691.98505,"sentiment":"positive","sentiment_score":0.5465139349301656},{"text":"I've heard Vietnam is amazing.","start":692.205,"end":693.98505,"sentiment":"positive","sentiment_score":0.40697282552719116}],"sentiment":"positive","sentiment_score":0.42472047291018744,"num_words":11,"start":681.88995,"end":693.98505},{"sentences":[{"text":"Wow.","start":702.77997,"end":703.27997,"sentiment":"neutral","sentiment_score":0.04307620972394943},{"text":"Yeah.","start":703.81995,"end":704.31995,"sentiment":"neutral","sentiment_score":0.01791243627667427},{"text":"No.","start":704.62,"end":704.94,"sentiment":"neutral","sentiment_score":-0.16674983501434326},{"text":"That's that's fantastic.","start":704.94,"end":706.39996,"sentiment":"neutral","sentiment_score":0.3251265188058217},{"text":"Well, I'm glad you enjoyed the time.","start":706.45996,"end":707.74,"sentiment":"positive","sentiment_score":0.47941772426877705}],"sentiment":"neutral","sentiment_score":0.32504172594501424,"num_words":13,"start":702.77997,"end":707.74},{"sentences":[{"text":"And, look, you can always build your savings back up, but those memories are something you can't get back.","start":707.74,"end":712.785,"sentiment":"neutral","sentiment_score":0.1541945906846147},{"text":"And, look, you know, may never go back there again, so that is well worth the money spent, I would say.","start":712.785,"end":717.125,"sentiment":"neutral","sentiment_score":0.1861920766532421},{"text":"Yeah.","start":717.90497,"end":718.40497,"sentiment":"neutral","sentiment_score":0.0317797027528286},{"text":"And and fantastic.","start":720.545,"end":723.48004,"sentiment":"neutral","sentiment_score":0.250581922630469},{"text":"Excellent.","start":724.5,"end":725.0,"sentiment":"neutral","sentiment_score":0.26037123799324036}],"sentiment":"neutral","sentiment_score":0.17519172314140533,"num_words":45,"start":707.74,"end":725.0},{"sentences":[{"text":"Other assets I have noted is your Prado.","start":726.18,"end":728.34,"sentiment":"neutral","sentiment_score":0.08581575099378824},{"text":"We had a value of about 26,500.","start":728.34,"end":731.14,"sentiment":"neutral","sentiment_score":0.04939897411635944},{"text":"Would you alter that value at all or still the same?","start":731.14,"end":733.96,"sentiment":"neutral","sentiment_score":0.016667246903208168},{"text":"Still the same?","start":735.72504,"end":736.445,"sentiment":"neutral","sentiment_score":0.02536560595035553},{"text":"Lovely.","start":736.445,"end":736.84503,"sentiment":"neutral","sentiment_score":0.24972079694271088}],"sentiment":"neutral","sentiment_score":0.05138253858312965,"num_words":30,"start":726.18,"end":736.84503},{"sentences":[{"text":"I've also got your smart loans down here.","start":736.84503,"end":738.765,"sentiment":"neutral","sentiment_score":0.17012335546314716},{"text":"You had about 500 owing.","start":738.765,"end":740.36505,"sentiment":"neutral","sentiment_score":0.05797402188181877},{"text":"Have you been able to reduce that or pay it off since July at all?","start":740.36505,"end":743.825,"sentiment":"neutral","sentiment_score":0.05231540823976199},{"text":"Yep.","start":748.01,"end":748.41,"sentiment":"neutral","sentiment_score":0.07632414996623993},{"text":"Perfect.","start":748.41,"end":748.91,"sentiment":"neutral","sentiment_score":0.14753594994544983}],"sentiment":"neutral","sentiment_score":0.08864827255407969,"num_words":30,"start":736.84503,"end":748.91},{"sentences":[{"text":"And how much do you have owing on that at the moment?","start":748.97,"end":751.39,"sentiment":"neutral","sentiment_score":0.05712980218231678},{"text":"1,500?","start":753.69,"end":754.58997,"sentiment":"neutral","sentiment_score":0.03825762867927551},{"text":"Beautiful.","start":754.73,"end":755.23,"sentiment":"neutral","sentiment_score":0.33119937777519226},{"text":"Lovely.","start":756.17,"end":756.67,"sentiment":"positive","sentiment_score":0.34555119276046753},{"text":"And then I've also got your contents.","start":756.97,"end":758.67,"sentiment":"neutral","sentiment_score":0.16599126798766}],"sentiment":"neutral","sentiment_score":0.11647748642347076,"num_words":22,"start":748.97,"end":758.67},{"sentences":[{"text":"We had a a value of about 8,000 on that one.","start":758.89,"end":761.69,"sentiment":"neutral","sentiment_score":0.12177618525244972},{"text":"I'd probably keep that roughly about the same there for you.","start":761.69,"end":764.605,"sentiment":"neutral","sentiment_score":0.1720460978421298},{"text":"Yep.","start":765.785,"end":766.02496,"sentiment":"neutral","sentiment_score":0.2461157739162445},{"text":"Beautiful.","start":766.02496,"end":766.425,"sentiment":"positive","sentiment_score":0.6454752683639526},{"text":"And your rent, which is $7.60 per week when we last spoke, and it's all paid by your employer part of your salary sacrifice.","start":766.425,"end":772.605,"sentiment":"neutral","sentiment_score":0.10539998160675168}],"sentiment":"neutral","sentiment_score":0.13860907739338776,"num_words":48,"start":758.89,"end":772.605},{"sentences":[{"text":"Is that right?","start":772.745,"end":773.565,"sentiment":"neutral","sentiment_score":0.04567973936597506},{"text":"Yep.","start":774.77,"end":775.09,"sentiment":"neutral","sentiment_score":0.08392032235860825},{"text":"Yep.","start":775.09,"end":775.33,"sentiment":"neutral","sentiment_score":0.16236823797225952},{"text":"Perfect.","start":775.33,"end":775.83,"sentiment":"positive","sentiment_score":0.6476715803146362},{"text":"Lovely.","start":776.21,"end":776.69,"sentiment":"positive","sentiment_score":0.6124774217605591}],"sentiment":"neutral","sentiment_score":0.23478239721485547,"num_words":7,"start":772.745,"end":776.69},{"sentences":[{"text":"So does this mean you'll be leaving your job and maybe taking another role when you move down south, or are you able to stay with the same employer?","start":776.69,"end":783.51,"sentiment":"neutral","sentiment_score":0.023440627060059845},{"text":"Okay.","start":787.89,"end":788.39,"sentiment":"neutral","sentiment_score":0.03197678551077843},{"text":"Perfect.","start":789.57495,"end":790.07495,"sentiment":"positive","sentiment_score":0.4612826704978943},{"text":"Yeah.","start":790.45496,"end":790.95496,"sentiment":"neutral","sentiment_score":0.09787455201148988},{"text":"Yeah.","start":791.175,"end":791.33496,"sentiment":"neutral","sentiment_score":0.06923223286867142}],"sentiment":"neutral","sentiment_score":0.04061043714032029,"num_words":33,"start":776.69,"end":791.33496},{"sentences":[{"text":"You've got a bit of time ahead of you to sort of get that sorted.","start":791.33496,"end":794.21497,"sentiment":"neutral","sentiment_score":0.024761917566259704},{"text":"That's absolutely okay.","start":794.21497,"end":795.51495,"sentiment":"positive","sentiment_score":0.35940825939178467},{"text":"When the time comes that you do get another job, do let us know.","start":795.975,"end":799.27496,"sentiment":"neutral","sentiment_score":0.05172135893787656},{"text":"We can definitely also provide the employer contributions details form for you.","start":799.57495,"end":803.58997,"sentiment":"neutral","sentiment_score":0.17161288174490133},{"text":"And as we are updating the advice, we may have a new super fund to provide that information to you with.","start":803.58997,"end":808.95,"sentiment":"neutral","sentiment_score":0.10606750562077477}],"sentiment":"neutral","sentiment_score":0.09939268870422473,"num_words":65,"start":791.33496,"end":808.95},{"sentences":[{"text":"So we'll we'll update the advice to reflect now just noting that you do currently have this job, but, obviously, we know that things could change in the future there for you as well.","start":808.95,"end":818.36505,"sentiment":"neutral","sentiment_score":0.04447049680439865},{"text":"Okay?","start":818.36505,"end":818.86505,"sentiment":"neutral","sentiment_score":0.028666596859693527},{"text":"Yeah.","start":819.885,"end":820.385,"sentiment":"neutral","sentiment_score":0.05123056471347809},{"text":"Perfect.","start":820.525,"end":821.025,"sentiment":"neutral","sentiment_score":0.2718397378921509},{"text":"The only other thing I just wanted to double check was I know we did discuss your insure your insurance levels back when you did your annual review there.","start":821.885,"end":828.84503,"sentiment":"neutral","sentiment_score":-0.03500578591021998}],"sentiment":"neutral","sentiment_score":0.012857060597249956,"num_words":66,"start":808.95,"end":828.84503},{"sentences":[{"text":"You do only have that income protection policy noted with ClearView.","start":828.84503,"end":832.93,"sentiment":"neutral","sentiment_score":-0.028094254264777355},{"text":"Sorry.","start":833.31,"end":833.55,"sentiment":"neutral","sentiment_score":-0.13652238249778748},{"text":"You don't have any life cover, so it does sort of mean that if in the event of passing away, it is only your super benefit that is paid out to your beneficiaries there.","start":833.55,"end":841.08997,"sentiment":"neutral","sentiment_score":-0.13016187443452723},{"text":"Are you still fairly comfortable not having life cover at the moment?","start":841.23,"end":844.425,"sentiment":"neutral","sentiment_score":-0.23213537658254305},{"text":"Yep.","start":846.825,"end":847.14496,"sentiment":"neutral","sentiment_score":0.08927648514509201}],"sentiment":"neutral","sentiment_score":-0.12826120244118117,"num_words":59,"start":828.84503,"end":847.14496},{"sentences":[{"text":"Beautiful.","start":847.14496,"end":847.545,"sentiment":"neutral","sentiment_score":0.26253771781921387},{"text":"And the same with disability with TPD cover.","start":847.545,"end":849.865,"sentiment":"neutral","sentiment_score":-0.055524598341435194},{"text":"If you were TPD for any unknown reason, and not able to go back to work, if we do, not having any TPD cover as such means that we would have to claim permanent incapacity against your super.","start":849.865,"end":861.89,"sentiment":"neutral","sentiment_score":-0.20630023726507238},{"text":"It does mean that you can access super on those pounds, and it is a taxable payment.","start":861.89,"end":866.05005,"sentiment":"neutral","sentiment_score":0.05849490248981644},{"text":"But are you comfortable not having TPD still, not wanting to look at that at the moment?","start":866.05005,"end":870.55005,"sentiment":"neutral","sentiment_score":-0.04573835180524517}],"sentiment":"neutral","sentiment_score":-0.09634823115243588,"num_words":81,"start":847.14496,"end":870.55005},{"sentences":[{"text":"No.","start":872.45,"end":872.69,"sentiment":"neutral","sentiment_score":-0.0319182425737381},{"text":"That's fine.","start":872.69,"end":873.225,"sentiment":"neutral","sentiment_score":0.1322547122836113},{"text":"Perfect.","start":873.225,"end":873.70496,"sentiment":"positive","sentiment_score":0.5361770987510681},{"text":"And there's other insurances.","start":873.70496,"end":874.825,"sentiment":"neutral","sentiment_score":0.16866763215512037},{"text":"We would have gone through trauma, which is held outside of super, and does sort of pay out a tax free lump sum benefit in the event of a certain, sorry, traumatic diagnosis.","start":874.825,"end":884.52496,"sentiment":"neutral","sentiment_score":0.03652505283102845}],"sentiment":"neutral","sentiment_score":0.06460403787290178,"num_words":41,"start":872.45,"end":884.52496},{"sentences":[{"text":"You're comfortable not looking at anything additional paid outside of sleep.","start":884.665,"end":887.73,"sentiment":"neutral","sentiment_score":0.009172383357178081},{"text":"Are you happy just with the income protection you have?","start":887.73,"end":890.23,"sentiment":"neutral","sentiment_score":0.06361834779381752},{"text":"Yes.","start":891.65,"end":892.15,"sentiment":"neutral","sentiment_score":0.2355932593345642},{"text":"Beautiful.","start":892.37,"end":892.87,"sentiment":"positive","sentiment_score":0.4890684187412262},{"text":"And income wise, I have you earning you're on about 67,100 at the moment.","start":892.93,"end":898.05,"sentiment":"neutral","sentiment_score":0.1106939297169447}],"sentiment":"neutral","sentiment_score":0.08139071321567974,"num_words":37,"start":884.665,"end":898.05},{"sentences":[{"text":"Is that still the same, or have you been lucky enough to get an increase on that?","start":898.05,"end":901.425,"sentiment":"neutral","sentiment_score":0.05713629295282504},{"text":"$67,100?","start":903.985,"end":905.345,"sentiment":"neutral","sentiment_score":-0.003581821219995618},{"text":"Oh, well, hopefully soon.","start":905.345,"end":906.805,"sentiment":"neutral","sentiment_score":0.011541374027729034},{"text":"Yeah.","start":911.665,"end":912.165,"sentiment":"neutral","sentiment_score":0.1566755175590515},{"text":"That's okay.","start":912.305,"end":913.185,"sentiment":"neutral","sentiment_score":0.21985720098018646}],"sentiment":"neutral","sentiment_score":0.06441162298433482,"num_words":25,"start":898.05,"end":913.185},{"sentences":[{"text":"That's alright.","start":913.185,"end":913.745,"sentiment":"neutral","sentiment_score":0.23217899352312088},{"text":"Fingers crossed there for you.","start":913.745,"end":915.36,"sentiment":"neutral","sentiment_score":0.15279353857040406},{"text":"It does look like at the moment you are just slightly over insured.","start":915.68,"end":918.8,"sentiment":"neutral","sentiment_score":-0.018623961279025443},{"text":"That is only by a very small amount.","start":918.8,"end":920.89996,"sentiment":"neutral","sentiment_score":-0.016969128977507353},{"text":"You are paying about $1,800 for that policy out of sleep at the moment.","start":921.04,"end":925.36,"sentiment":"neutral","sentiment_score":0.07774493630443301}],"sentiment":"neutral","sentiment_score":0.04616405380268892,"num_words":42,"start":913.185,"end":925.36},{"sentences":[{"text":"You're happy to keep that level as it is?","start":925.36,"end":927.525,"sentiment":"neutral","sentiment_score":0.25385698013835484},{"text":"Yeah.","start":929.28503,"end":929.685,"sentiment":"neutral","sentiment_score":0.2983388304710388},{"text":"Perfect.","start":929.685,"end":930.185,"sentiment":"positive","sentiment_score":0.47950321435928345},{"text":"Knowing that things could definitely change, so we'll just sort of wait and see and keep up to date with you.","start":930.325,"end":934.80505,"sentiment":"neutral","sentiment_score":0.2725187760023844},{"text":"Obviously, early next year, we'll make sure we do a bit of a catch up.","start":934.80505,"end":937.36505,"sentiment":"neutral","sentiment_score":0.19547228614489237}],"sentiment":"neutral","sentiment_score":0.24930922243189305,"num_words":47,"start":925.36,"end":937.36505},{"sentences":[{"text":"And you do have an annual review due before then as well.","start":937.36505,"end":939.92505,"sentiment":"neutral","sentiment_score":0.18229780594507852},{"text":"So we'll make sure we catch up and check-in with you to make sure everything's going okay.","start":939.92505,"end":944.47003,"sentiment":"neutral","sentiment_score":0.25708457652260275},{"text":"And just double also double checking your beneficiary information as well.","start":945.33,"end":949.41003,"sentiment":"neutral","sentiment_score":0.13737095147371292},{"text":"So in the event of passing, where did you want your super benefit to be paid to?","start":949.41003,"end":953.505,"sentiment":"neutral","sentiment_score":0.05970461535103181},{"text":"It looks like I just don't have a beneficiary nominated on file at all.","start":953.505,"end":957.205,"sentiment":"neutral","sentiment_score":-0.20594458069120133}],"sentiment":"neutral","sentiment_score":0.08733586295389793,"num_words":71,"start":937.36505,"end":957.205},{"sentences":[{"text":"Yep.","start":965.98505,"end":966.48505,"sentiment":"neutral","sentiment_score":0.023769011721014977},{"text":"Okay.","start":966.705,"end":967.205,"sentiment":"neutral","sentiment_score":0.0680708959698677},{"text":"That's okay.","start":968.82,"end":970.64,"sentiment":"neutral","sentiment_score":0.2821604907512665},{"text":"That's okay.","start":971.46,"end":972.28,"sentiment":"neutral","sentiment_score":0.30599501729011536},{"text":"So did you wanna I mean, you can nominate her beforehand if you are comfortable doing that.","start":972.66003,"end":977.3,"sentiment":"neutral","sentiment_score":0.19527630902388515}],"sentiment":"neutral","sentiment_score":0.199471659877378,"num_words":23,"start":965.98505,"end":977.3},{"sentences":[{"text":"Did you want her nominated on there before you move down, or is it something you'd not like to do until you do move in together?","start":977.3,"end":982.92004,"sentiment":"neutral","sentiment_score":0.03775110235437751},{"text":"Okay.","start":987.72504,"end":988.205,"sentiment":"neutral","sentiment_score":0.006977220997214317},{"text":"No worries at all.","start":988.205,"end":989.42505,"sentiment":"neutral","sentiment_score":-0.09461264126002789},{"text":"Yeah.","start":992.765,"end":993.265,"sentiment":"neutral","sentiment_score":-0.05710767954587936},{"text":"Okay.","start":994.125,"end":994.625,"sentiment":"neutral","sentiment_score":-0.09744004905223846}],"sentiment":"neutral","sentiment_score":0.013803260259781822,"num_words":33,"start":977.3,"end":994.625},{"sentences":[{"text":"Yeah.","start":1000.7,"end":1001.2,"sentiment":"neutral","sentiment_score":-0.01815825328230858},{"text":"Completely understandable.","start":1002.14,"end":1003.52,"sentiment":"neutral","sentiment_score":0.057191409170627594},{"text":"There's a lot going on with divorces, so not a problem at all.","start":1003.98,"end":1007.2,"sentiment":"neutral","sentiment_score":-0.0613251136472592},{"text":"Easy.","start":1007.34,"end":1007.82,"sentiment":"neutral","sentiment_score":0.10680896043777466},{"text":"And having a look, I don't have sorry.","start":1007.82,"end":1009.98,"sentiment":"neutral","sentiment_score":-0.0012824516743421555}],"sentiment":"neutral","sentiment_score":-0.024178102612495422,"num_words":25,"start":1000.7,"end":1009.98},{"sentences":[{"text":"I don't have any dependents.","start":1009.98,"end":1011.36505,"sentiment":"neutral","sentiment_score":-0.059144461154937746},{"text":"You don't have any kids at all?","start":1011.36505,"end":1013.065,"sentiment":"neutral","sentiment_score":-0.07612174642937523},{"text":"No.","start":1014.16504,"end":1014.325,"sentiment":"neutral","sentiment_score":-0.07136138528585434},{"text":"That's okay.","start":1014.325,"end":1015.04504,"sentiment":"neutral","sentiment_score":-0.010196558199822903},{"text":"And I have your next of kin noted as Carrie Aiken.","start":1015.04504,"end":1018.16504,"sentiment":"neutral","sentiment_score":0.04803012463856827}],"sentiment":"neutral","sentiment_score":-0.015076833132367868,"num_words":26,"start":1009.98,"end":1018.16504},{"sentences":[{"text":"Do you mind if I ask who Carrie is?","start":1018.16504,"end":1020.025,"sentiment":"neutral","sentiment_score":0.011636406286723085},{"text":"It's your mom.","start":1021.685,"end":1022.405,"sentiment":"neutral","sentiment_score":0.10316123068332672},{"text":"Perfect.","start":1022.405,"end":1022.905,"sentiment":"positive","sentiment_score":0.4581853747367859},{"text":"Do you happen to know her contact phone number off my heart?","start":1022.965,"end":1025.65,"sentiment":"neutral","sentiment_score":0.06357474935551484},{"text":"I just don't have a phone number for her, Dan.","start":1025.65,"end":1027.8099,"sentiment":"neutral","sentiment_score":-0.14569008722901344}],"sentiment":"neutral","sentiment_score":0.0050969383812376435,"num_words":35,"start":1018.16504,"end":1027.8099},{"sentences":[{"text":"Sorry.","start":1027.8099,"end":1028.29,"sentiment":"neutral","sentiment_score":-0.09900178015232086},{"text":"If you don't, that's okay.","start":1028.29,"end":1029.67,"sentiment":"neutral","sentiment_score":-0.07918969243764877},{"text":"Yep.","start":1033.33,"end":1033.83,"sentiment":"neutral","sentiment_score":0.027853190898895264},{"text":"Beautiful.","start":1035.01,"end":1035.51,"sentiment":"positive","sentiment_score":0.6278394460678101},{"text":"I'll get that sorted for you after the call.","start":1035.73,"end":1038.155,"sentiment":"positive","sentiment_score":0.526123219066196}],"sentiment":"neutral","sentiment_score":0.2879912568365826,"num_words":17,"start":1027.8099,"end":1038.155},{"sentences":[{"text":"Lovely.","start":1038.155,"end":1038.655,"sentiment":"positive","sentiment_score":0.5636143684387207},{"text":"Well, look.","start":1039.0349,"end":1039.4349,"sentiment":"neutral","sentiment_score":0.045870447531342506},{"text":"What I'll do is just to kinda recap is I'll go back and I'll with my team, they will do a bit of research around the different portfolios, definitely look at the SMA and different super funds to make sure we can, you know, hopefully, lower the cost of fees and provide a greater benefit for you.","start":1039.4349,"end":1053.18,"sentiment":"neutral","sentiment_score":0.23444895171805433},{"text":"We'll update the advice and come back and show you what that looks like.","start":1053.18,"end":1056.54,"sentiment":"neutral","sentiment_score":0.27704395460230963},{"text":"In the meantime, if you find you have any questions with regard to any of that, please let me know.","start":1056.54,"end":1061.52,"sentiment":"neutral","sentiment_score":0.11573995873332024}],"sentiment":"neutral","sentiment_score":0.21502510692052385,"num_words":94,"start":1038.155,"end":1061.52},{"sentences":[{"text":"I do have a lot of advice at the moment, so it will take me a couple of weeks to put that together.","start":1061.82,"end":1066.105,"sentiment":"neutral","sentiment_score":0.14095324796179068},{"text":"But as soon as we have it together, I'll get the team to touch base and book you in to go through it with you.","start":1066.105,"end":1070.985,"sentiment":"neutral","sentiment_score":0.17016689121723175},{"text":"Is that okay?","start":1070.985,"end":1071.885,"sentiment":"neutral","sentiment_score":0.1096524844566981},{"text":"Yeah.","start":1073.465,"end":1073.865,"sentiment":"neutral","sentiment_score":0.28467226028442383},{"text":"Beautiful.","start":1073.865,"end":1074.365,"sentiment":"positive","sentiment_score":0.6025903820991516}],"sentiment":"neutral","sentiment_score":0.1643833411189745,"num_words":53,"start":1061.82,"end":1074.365},{"sentences":[{"text":"Is there anything else that might be important to sort of touch base on at the moment there at all, David?","start":1074.585,"end":1079.385,"sentiment":"neutral","sentiment_score":0.20036435765879496},{"text":"Is that we've sort of hit all the points for the day?","start":1079.385,"end":1081.94,"sentiment":"neutral","sentiment_score":0.08366265861938398},{"text":"Yeah.","start":1083.84,"end":1084.34,"sentiment":"neutral","sentiment_score":0.13697490096092224},{"text":"Beautiful.","start":1084.8,"end":1085.3,"sentiment":"positive","sentiment_score":0.4232214093208313},{"text":"Have you got the rest of the day off, or are you working today?","start":1085.6,"end":1088.98,"sentiment":"neutral","sentiment_score":0.11659326124936342}],"sentiment":"neutral","sentiment_score":0.151104191470207,"num_words":49,"start":1074.585,"end":1088.98},{"sentences":[{"text":"Beautiful.","start":1094.48,"end":1094.98,"sentiment":"neutral","sentiment_score":0.2016526460647583},{"text":"Yeah.","start":1096.035,"end":1096.535,"sentiment":"neutral","sentiment_score":-0.020871812477707863},{"text":"Oh, it's raining.","start":1096.5951,"end":1097.395,"sentiment":"neutral","sentiment_score":-0.08142262200514476},{"text":"I'm so sorry.","start":1097.395,"end":1098.275,"sentiment":"neutral","sentiment_score":-0.2155578633149465},{"text":"That's a shame.","start":1098.275,"end":1099.255,"sentiment":"negative","sentiment_score":-0.35180077453454334}],"sentiment":"neutral","sentiment_score":-0.16050572236153213,"num_words":11,"start":1094.48,"end":1099.255},{"sentences":[{"text":"It's yeah.","start":1101.795,"end":1103.255,"sentiment":"neutral","sentiment_score":0.025494592264294624},{"text":"Wow.","start":1105.555,"end":1106.055,"sentiment":"neutral","sentiment_score":0.1500232219696045},{"text":"Well, hopefully, that clears, and, hopefully, you can enjoy your your days off.","start":1107.3151,"end":1110.99,"sentiment":"positive","sentiment_score":0.34901438424220455},{"text":"At least it's a good day.","start":1110.99,"end":1112.11,"sentiment":"positive","sentiment_score":0.43538229664166767},{"text":"Whether it's raining, it's a good day for a bit of Netflix and a bit of veg.","start":1112.11,"end":1115.1699,"sentiment":"neutral","sentiment_score":0.2937488590969759}],"sentiment":"neutral","sentiment_score":0.31651855861911404,"num_words":39,"start":1101.795,"end":1115.1699},{"sentences":[{"text":"Absolutely.","start":1118.59,"end":1119.09,"sentiment":"positive","sentiment_score":0.6798322796821594},{"text":"Well, you enjoy your time off.","start":1119.63,"end":1121.3099,"sentiment":"positive","sentiment_score":0.7577731211980184},{"text":"I'll get cracking on that research.","start":1121.3099,"end":1122.765,"sentiment":"positive","sentiment_score":0.6776066919167837},{"text":"If we do find we need anything additional, I'll touch base and let you know.","start":1122.765,"end":1126.385,"sentiment":"neutral","sentiment_score":0.2114556516210238},{"text":"If you find you have any questions, let me 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call.","start":1143.2,"end":1144.98,"sentiment":"positive","sentiment_score":0.8264233569304148}],"sentiment":"positive","sentiment_score":0.40190301296012154,"num_words":58,"start":1128.525,"end":1144.98},{"sentences":[{"text":"Thank you.","start":1146.72,"end":1147.36,"sentiment":"positive","sentiment_score":0.6588932871818542},{"text":"See you later.","start":1147.36,"end":1148.08,"sentiment":"positive","sentiment_score":0.5044947465260824},{"text":"Bye.","start":1148.08,"end":1148.58,"sentiment":"neutral","sentiment_score":0.20938414335250857}],"sentiment":"positive","sentiment_score":0.506775826215744,"num_words":6,"start":1146.72,"end":1148.58}]}}]},{"alternatives":[{"transcript":"Hello? Hello? Yeah. Alright. Yourself? Yeah. It's all good. Yeah. It's all good. David Tibbett. I don't see it 74 And 7 A The Pledge, Cable Beach, WA. She did say she was gonna send me a message through so I can take a photo of my ID. So because it's it needs to be updated as well, but I haven't received anything from her. Just through text. That'd be fine. No worries. Yeah. Sure. I think I might have, but I haven't really looked because it's been a little busy. So yeah. Yep. Yeah. Yeah. Yeah. No worries. Mhmm. No. Yeah. Sure. I'd rather be, like, making money than not losing it. So yeah. Mhmm. Yes. That's fine. No. I don't really check it. Every every time I go to log on, there's, like, wrong password or whatever. So it's just like, I'll leave it until I speak to you guys. So then I'll ask. So yeah. That's a good yeah. Yeah. '50 '2 in March. Yep. Yeah. No. That sounds okay. Yeah. I don't really mind that. You have low fees. It'll be good. Yep. That's fine. Yeah. Yep. No worries. Alright. No. No. No. It's still a goal, but at the beginning of next year, I will be moving from Broom down south to be with my newly partner. So me and her have decided to get together. So she's I'll be helping her pay her house off when, yeah, when we get down there. So yeah. So that's all good. Cheers. Yeah. Yeah. That's it. Yeah. So about twelve months. So yeah. It's gone up a little bit. So, yeah, it's it's still does it oh, it's actually it's about 148 now. So, yeah, it's all good. Yeah. Yeah. Yeah. Because I do we had to had to dip into it a little bit because we went to Vietnam for Christmas and New Year. So, yeah, that was fun. Yeah. We we we did the whole country. So we started in Hanoi and went to Da Nang and ended up in Ho Chi Minh City for our last stop. So, yeah, it was good. Yeah. Yeah. We're we're looking at it in the next couple of years. So, again, so we won't do the train trip. So we'll just see how that goes. Yep. Still the same. I've got I've got one paid off, and I'm still working on the other one. I think it's 1,500. Yeah. Yeah. Yeah. Yep. Yeah. Yeah. Yep. No. I'll be I'll be looking for another job. So as well. So yeah. But that's alright. That's fine. Yeah. Yep. Yep. No worries. Yeah. No. That's all good at the moment. No. That's fine. Yeah. Yeah. Yeah. No. That's fine. I wish, but not still the same. Yeah. Although yeah. They reckon we're getting one, but I don't know. I'll do well, when we get it, we get it. So it's it's all good. Yes, ma'am. Yep. No worries. Yeah. That that will change because when I get down there with my partner, then we'll put we're gonna be putting each other on on ours on both of ours if that's yeah. So yeah. No. That's we've already talked about, and that's something we'll do when we're moving together. Because she's she's still got a because she's separated from her husband, so she's still doing the divorce and stuff. So she doesn't wanna make any changes until she so that ends gets him out of her life. So yeah. Yeah. Yep. No. That's my mom. Yeah. No. No. I don't. But when you text the the ID three, I'll attach it. Yep. Yeah. That's fine. No. I think that's, yes, I think that's about it. No. That's it. Tomorrow afternoon's gonna be, like, clean up the house and taking my dog down to the beach. Hopefully, it stops raining. Yeah. Well, I'm in Broome. I'm in Broome, so it's our wet season now. We just got a tropical low hovering over us for the last couple of days, and it's absolutely just bucketed down. So yeah. Yeah. That's it. Yeah. Or Xbox on the other. No worries. Yep. No worries. Cheers. No worries. Have a good day as well. No worries. Bye. 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Hello? Yeah. Alright. Yourself?\n\nYeah. It's all good. Yeah. It's all good. David Tibbett.\n\nI don't see it 74 And 7 A The Pledge, Cable Beach, WA. She did say she was gonna send me a message through so I can take a photo of my ID. So because it's it needs to be updated as well, but I haven't received anything from her. Just through text. That'd be fine.\n\nNo worries. Yeah. Sure. I think I might have, but I haven't really looked because it's been a little busy. So yeah.\n\nYep. Yeah. Yeah. Yeah. No worries.\n\nMhmm. No. Yeah. Sure. I'd rather be, like, making money than not losing it.\n\nSo yeah. Mhmm. Yes. That's fine. No.\n\nI don't really check it. Every every time I go to log on, there's, like, wrong password or whatever. So it's just like, I'll leave it until I speak to you guys. So then I'll ask. So yeah.\n\nThat's a good yeah. Yeah. '50 '2 in March. Yep. Yeah.\n\nNo. That sounds okay. Yeah. I don't really mind that. You have low fees.\n\nIt'll be good. Yep. That's fine. Yeah. Yep.\n\nNo worries. Alright. No. No. No.\n\nIt's still a goal, but at the beginning of next year, I will be moving from Broom down south to be with my newly partner. So me and her have decided to get together. So she's I'll be helping her pay her house off when, yeah, when we get down there. So yeah. So that's all good.\n\nCheers. Yeah. Yeah. That's it. Yeah.\n\nSo about twelve months. So yeah. It's gone up a little bit. So, yeah, it's it's still does it oh, it's actually it's about 148 now. So, yeah, it's all good.\n\nYeah. Yeah. Yeah. Because I do we had to had to dip into it a little bit because we went to Vietnam for Christmas and New Year. So, yeah, that was fun.\n\nYeah. We we we did the whole country. So we started in Hanoi and went to Da Nang and ended up in Ho Chi Minh City for our last stop. So, yeah, it was good. Yeah.\n\nYeah. We're we're looking at it in the next couple of years. So, again, so we won't do the train trip. So we'll just see how that goes. Yep.\n\nStill the same. I've got I've got one paid off, and I'm still working on the other one. I think it's 1,500. Yeah. Yeah.\n\nYeah. Yep. Yeah. Yeah. Yep.\n\nNo. I'll be I'll be looking for another job. So as well. So yeah. But that's alright.\n\nThat's fine. Yeah. Yep. Yep. No worries.\n\nYeah. No. That's all good at the moment. No. That's fine.\n\nYeah. Yeah. Yeah. No. That's fine.\n\nI wish, but not still the same. Yeah. Although yeah. They reckon we're getting one, but I don't know. I'll do well, when we get it, we get it.\n\nSo it's it's all good. Yes, ma'am. Yep. No worries. Yeah.\n\nThat that will change because when I get down there with my partner, then we'll put we're gonna be putting each other on on ours on both of ours if that's yeah. So yeah. No. That's we've already talked about, and that's something we'll do when we're moving together. Because she's she's still got a because she's separated from her husband, so she's still doing the divorce and stuff.\n\nSo she doesn't wanna make any changes until she so that ends gets him out of her life. So yeah. Yeah. Yep. No.\n\nThat's my mom. Yeah. No. No. I don't.\n\nBut when you text the the ID three, I'll attach it. Yep. Yeah. That's fine. No.\n\nI think that's, yes, I think that's about it. No. That's it. Tomorrow afternoon's gonna be, like, clean up the house and taking my dog down to the beach. Hopefully, it stops raining.\n\nYeah. Well, I'm in Broome. I'm in Broome, so it's our wet season now. We just got a tropical low hovering over us for the last couple of days, and it's absolutely just bucketed down. So yeah.\n\nYeah. That's it. Yeah. Or Xbox on the other. No worries.\n\nYep. No worries. Cheers. No worries. Have a good day as well.\n\nNo worries. Bye. See you.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.0,"end":0.5,"sentiment":"neutral","sentiment_score":0.011524757370352743},{"text":"Hello?","start":3.9199998,"end":4.42,"sentiment":"neutral","sentiment_score":0.021618911996483803},{"text":"Yeah.","start":9.36,"end":9.5199995,"sentiment":"neutral","sentiment_score":0.14135566353797913},{"text":"Alright.","start":9.5199995,"end":9.92,"sentiment":"neutral","sentiment_score":0.18091022968292236},{"text":"Yourself?","start":9.92,"end":10.42,"sentiment":"neutral","sentiment_score":0.1728702038526535}],"sentiment":"neutral","sentiment_score":0.10565595328807831,"num_words":5,"start":0.0,"end":10.42},{"sentences":[{"text":"Yeah.","start":16.255001,"end":16.494999,"sentiment":"neutral","sentiment_score":0.2681474983692169},{"text":"It's all 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it.","start":1089.775,"end":1090.175,"sentiment":"neutral","sentiment_score":-0.0324587095528841},{"text":"Tomorrow afternoon's gonna be, like, clean up the house and taking my dog down to the beach.","start":1090.175,"end":1094.015,"sentiment":"neutral","sentiment_score":0.05825209551874329},{"text":"Hopefully, it stops raining.","start":1094.015,"end":1095.555,"sentiment":"neutral","sentiment_score":0.026222799438983202}],"sentiment":"neutral","sentiment_score":0.029970266207149536,"num_words":33,"start":1082.48,"end":1095.555},{"sentences":[{"text":"Yeah.","start":1098.4901,"end":1098.89,"sentiment":"neutral","sentiment_score":-0.2421887367963791},{"text":"Well, I'm in Broome.","start":1098.89,"end":1100.0901,"sentiment":"neutral","sentiment_score":-0.022729796124622226},{"text":"I'm in Broome, so it's our wet season now.","start":1100.0901,"end":1101.8501,"sentiment":"neutral","sentiment_score":-0.0030591315331144463},{"text":"We just got a tropical low hovering over us for the last couple of days, and it's absolutely just bucketed down.","start":1101.8501,"end":1106.8301,"sentiment":"neutral","sentiment_score":0.06804616855723518},{"text":"So yeah.","start":1107.37,"end":1108.27,"sentiment":"neutral","sentiment_score":0.21012695133686066}],"sentiment":"neutral","sentiment_score":0.04023198208872329,"num_words":37,"start":1098.4901,"end":1108.27},{"sentences":[{"text":"Yeah.","start":1115.655,"end":1115.895,"sentiment":"neutral","sentiment_score":0.05343954265117645},{"text":"That's it.","start":1115.895,"end":1116.455,"sentiment":"neutral","sentiment_score":0.03344414569437504},{"text":"Yeah.","start":1116.455,"end":1116.695,"sentiment":"neutral","sentiment_score":0.02037430927157402},{"text":"Or Xbox on the other.","start":1116.695,"end":1118.155,"sentiment":"neutral","sentiment_score":0.06157836653292179},{"text":"No worries.","start":1126.72,"end":1127.38,"sentiment":"neutral","sentiment_score":0.057170188054442406}],"sentiment":"neutral","sentiment_score":0.05117585018954494,"num_words":11,"start":1115.655,"end":1127.38},{"sentences":[{"text":"Yep.","start":1139.695,"end":1140.015,"sentiment":"neutral","sentiment_score":0.14001423120498657},{"text":"No worries.","start":1140.015,"end":1140.655,"sentiment":"neutral","sentiment_score":0.25985512137413025},{"text":"Cheers.","start":1140.655,"end":1141.155,"sentiment":"positive","sentiment_score":0.5952730178833008},{"text":"No worries.","start":1145.0549,"end":1145.5349,"sentiment":"positive","sentiment_score":0.43983711302280426},{"text":"Have a good day as well.","start":1145.5349,"end":1148.335,"sentiment":"positive","sentiment_score":0.5247178102533022}],"sentiment":"positive","sentiment_score":0.44024821495016414,"num_words":12,"start":1139.695,"end":1148.335},{"sentences":[{"text":"No worries.","start":1148.335,"end":1148.815,"sentiment":"neutral","sentiment_score":0.11532897502183914},{"text":"Bye.","start":1148.815,"end":1149.0549,"sentiment":"neutral","sentiment_score":0.1512051671743393},{"text":"See you.","start":1149.0549,"end":1149.7949,"sentiment":"neutral","sentiment_score":0.04481877759099006}],"sentiment":"neutral","sentiment_score":0.09430013447999955,"num_words":5,"start":1148.335,"end":1149.7949}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Hello?\n\nChannel 0: Hi, David. This is Dana from Okie Financial. How are you this morning?\n\nChannel 1: Yeah. Alright. Yourself?\n\nChannel 0: I'm very well. Thank you. I had you booked in for a bit of a catch up this morning. Is now still a good time there for you?\n\nChannel 1: Yeah. It's all good.\n\nChannel 0: Yep. Fantastic. David, before we jump into the call, just to let you know, we do record these calls for quality and training purposes. You're happy for us to proceed with that?\n\nChannel 1: Yeah. It's all good.\n\nChannel 0: Fantastic. And just to do security there with you as well, I just need to confirm your full name, your date of birth, and address I should have on file for you.\n\nChannel 1: David Tibbett. I don't see it 74 And 7 A The Pledge, Cable Beach, WA.\n\nChannel 0: Yeah. Perfect. Thank you so much for that. David, I know you completed a bit of a catch up with my colleague, Samantha, just a few days ago there, and she prebooked you in for a bit of a a catch up with myself on the advisory just to kinda go through things and have a bit of a look at your portfolio. As we're kinda going through the catch up today, is there anything else or anything specific you wanted me to touch on for you?\n\nOr\n\nChannel 1: She did say she was gonna send me a message through so I can take a photo of my ID. So because it's it needs to be updated as well, but I haven't\n\nChannel 0: Okay.\n\nChannel 1: received anything from her.\n\nChannel 0: No. That's okay. I'll make sure that comes through to you after the call. That's not a problem at all. Is it easier if we send it via text or email?\n\nWhat would be the best way for you to receive that message?\n\nChannel 1: Just through text. That'd be fine.\n\nChannel 0: Text? Yeah. Perfect. Thank you so much for that. I'll take care of that one for you.\n\nChannel 1: No\n\nChannel 0: David,\n\nChannel 1: worries.\n\nChannel 0: I can also see here that your insurance policy with Clearview is up for renewal as well. They have sent you a bit of a letter there just noting that if you wanted to have your 10% discount reset, which can definitely help to make the premiums a little bit cheaper just to go on to their website and answer a couple of health questions. Did you want me to maybe email that to you after the call as well just to give you some information on how that can maybe help your premiums for your in income protection policy.\n\nChannel 1: Yeah. Sure.\n\nChannel 0: Yeah. Did they send you that letter? Have you received anything from Clearview recently at all?\n\nChannel 1: I think I might have, but I haven't really looked because it's been a little busy.\n\nChannel 0: Yeah. No. That's okay.\n\nChannel 1: So yeah.\n\nChannel 0: Life gets a bit hectic. Completely understandable. I just know with this this letter here, it essentially allows you up until the March 1. They just want you to sort of pop on. It's about a ten minute questionnaire just around your health.\n\nAnd then, essentially, if so long as you know the criteria, they can reapply that 10% discount onto your income protection policy, which essentially means that it reduces the cost of the premiums coming out each year for you. So it is definitely worth having a bit of a look at if you've got a spare ten minutes aside somewhere one of the days. But\n\nChannel 1: Yep.\n\nChannel 0: I'll email that through to you after the call if you like just so you can have a look because, look, saving money is not a bad thing.\n\nChannel 1: Yeah. Yeah. Yeah. No worries.\n\nChannel 0: Oh, good. Now the other reasons we sort of wanted to touch base with you as well, we do sort of review your portfolio regularly with you. And I know we did do your annual review back in July. Having a bit of a look now, one of your underlying investments and along Australian equities, when you came on board originally, that was recommended as one of the investments there. The idea of having them in your portfolio is to give you a little bit of active management there trying to sort of outperform against certain index of the market to try and to provide greater returns.\n\nWe have this sort of noticed in the past couple of weeks and months, essentially, that Benelon have had a bit of an underlying issue with one of their investments. So I'm not sure if you've heard in the news at all, but one of their underlying investments, Corporate Traveler, has come out. They had been been dis dishonest to the market and to their investors, and that had come out and had to be noted. One of those things that has to come out to to the market. It did mean that Benelon had to go back and under or reevaluate that portion of their investment, which meant that analysts have gone back and definitely reevaluated Bannalong as well.\n\nSo, unfortunately, it is causing a little bit of a pullback on your portfolio slightly. That\n\nChannel 1: Mhmm.\n\nChannel 0: portion is down by about 22%. So it is showing the Bennelong equities, and that is quite a significant portion of your portfolio. You've got over 31% of your portfolio in Bennelong. So we just wanted to touch base to have a bit of a chat, let you know this is something that's happening. We wanna obviously look at removing that from your portfolio, but we wanted to make sure we update all these circumstances to maybe have a look at how best to structure things and what we can maybe put in its place.\n\nHave you heard anything recently about what's happened with Bannalong or the underlying investments? Or\n\nChannel 1: No.\n\nChannel 0: no. That's okay. So it's a good thing we're giving you a call today and going through that with you. Are you comfortable with me reevaluating not along with maybe your entire portfolio, having a look at what might structure better for you, what might have been performing better in the past, and maybe reassessing net wealth as a super fund as well. Would you like me to do all of that for you and maybe update the advice to reflect?\n\nChannel 1: Yeah. Sure. I'd rather be, like,\n\nChannel 0: Yeah.\n\nChannel 1: making money than not losing it. So\n\nChannel 0: Yeah. No.\n\nChannel 1: yeah.\n\nChannel 0: Completely understandable. Unfortunately, some sometimes these things happen with investments. That's why we wanted to touch base as part of the catch up and just make sure we're informing you of what's going on and letting you know we are working to move that out. Since we have been notified of the news, obviously, we have gone back and reevaluated some other options. So we do have some things that we can put in its place and do wanna update that advice for you.\n\nBut\n\nChannel 1: Mhmm.\n\nChannel 0: while we are updating the investments, it might be also worth reevaluating whether the Netwealth is the right platform or whether there's something better out there for you as well. It might be a little bit cheaper in fees and help benefit you long term. Does that sound okay?\n\nChannel 1: Yes. That's fine.\n\nChannel 0: Yeah. Perfect. Do you log in to Netwealth very often to have a look at what's happening with your super? Do you like the visibility you have on on those investments, or you don't sort of look at\n\nChannel 1: No. I don't really check\n\nChannel 0: very\n\nChannel 1: it.\n\nChannel 0: often? No. That's okay.\n\nChannel 1: Every every time I go to log on, there's, like, wrong password or whatever. So it's just like, I'll leave it until I speak to you guys. So then\n\nChannel 0: Yeah.\n\nChannel 1: I'll ask. So yeah.\n\nChannel 0: Yeah.\n\nChannel 1: That's\n\nChannel 0: No. That's that's that's\n\nChannel 1: a\n\nChannel 0: absolutely okay.\n\nChannel 1: good\n\nChannel 0: So what\n\nChannel 1: yeah.\n\nChannel 0: the reason I'm sort of asking that question is we do have different ways of investing. As you sort of are aware, you have that been a long investment in there. Part of that that being part of your portfolio in the past was about having a bit of active management there. And when we talk active management, it's not about buying and selling on a regular basis. It's more about investing in investment managers who are doing that with the underlying.\n\nThey're trying to outperform the market. And we do know over history that some investment managers can, some don't. Not they don't always do it. And, essentially, in order for them to outperform against the market, if we see, like, a large drop back in COVID, as long as that investment manager doesn't drop as far as the benchmark or the market does, and they've still outperformed it. So it's very much it can be seen as a good thing, but it can also be seen as negative aspect.\n\nAnd, often, you pay a little bit more in fees to have those investments in your portfolio. Because having a look at things, so you're 51 at almost 52. Is that right? 50\n\nChannel 1: Yeah.\n\nChannel 0: two in\n\nChannel 1: '50\n\nChannel 0: March?\n\nChannel 1: '2 in March. Yep.\n\nChannel 0: Yeah. So because you are getting closer and closer to accessing sleep, so one of the other things I can look at if you're comfortable with is looking at maybe a portfolio that might be lower in fees, is more passively managed. So you're paying less, not having that active management component in there, often passive portfolios. They are tracking a certain index or the market as a whole, and they can outperform those active managers quite significantly just by participating in the what the market is doing. Did you want me to look at something a bit more low cost for you, a bit more passively managed if it's gonna provide greater benefit, hopefully?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. The other thing we do have, if you're comfortable looking at, is over the last couple of probably about the last twelve months now, our investment committee have teamed up with BlackRock, so one of Australia's largest investment firms. And they actually have actually built what's called a separately managed account, which is the SMA. If we were to look at this product for you, all the underlying investments within there are fairly passive managed, but it essentially means that our investment committee along with the BlackRock investment team can make changes to the underlying investments more regularly. So say, if you were in that SMA product and say something happened with one of the underlying investors, like, what has happened with Ben along there, we could actually remove that investment without having to come and have that conversation with you.\n\nIt sort of gives us a lot more control around what we can moving things to make sure that you're always invested correctly in the investments that are working. We can maneuver things when they're not working or, say, if market changes happen, we can, know, move more money to cash if we need to. And so it kinda gives our investment committee a little bit more control around maneuvering those investments for you to make sure things are working harder. But in saying that if you were then to log in to Netwealth or into your super fund as such, you wouldn't see the nine different investment options that you can see at the moment. You would just see the balance that you have and the SMA product that it is in.\n\nAre you comfortable with me looking at something like that to provide you with more sorry. To give us more access to being able to maneuver investments if it's lower cost for you, but knowing that you might lose a little bit of visibility there? Would that be okay with you, David? Or do you wanna see what investments you have? What's your preference?\n\nChannel 1: No. That sounds okay. Yeah. I don't really mind that. You have low fees.\n\nIt'll be good.\n\nChannel 0: Yep. Yeah. Absolutely. Now the SMA product is not available in Netwealth, so I will look at the super funds that it is available in. Essentially, what I'll do is I'll do the research with my team.\n\nWe'll go back. It does take a few weeks to complete the research, but we'll update the advice document to reflect what we're recommending, the advantages, the disadvantages, and the risks involved. And then you and I can go through that together. You can take it away, have a really good rate of it, and then decide whether you're happy to take on those recommendations. Does that sound alright with you?\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Yeah. Perfect. The good part of this is you're an ongoing client, so there's no initial there's no fees for the advice. It's just part of us making sure we're doing things correctly. We wanted to make sure we always pride ourselves on being honest.\n\nSo letting you know that the market has there has been some things within your portfolio that aren't performing the way we wanted to. We've obviously gone back and reassessed things. We wanna remove it out, but we wanted to have the conversation with you\n\nChannel 1: Yeah.\n\nChannel 0: first. Okay?\n\nChannel 1: Yep. No worries.\n\nChannel 0: Perfect. All good. Has there been any changes since we sort of spoke last? Just sort of having a look. One of the things you had noted was that you were looking at purchasing your property.\n\nYou had some savings and some inheritance you had received. Is that\n\nChannel 1: Alright.\n\nChannel 0: still a goal, or have you done that?\n\nChannel 1: No. No. No. It's still a goal, but at the beginning of next year, I will be moving from Broom down south to be with my newly partner. So me and her have decided\n\nChannel 0: Fantastic.\n\nChannel 1: to get together. So she's I'll be helping her pay her house off when,\n\nChannel 0: Fantastic.\n\nChannel 1: yeah, when we get down there. So yeah. So that's all\n\nChannel 0: Well,\n\nChannel 1: good.\n\nChannel 0: excellent. Well, congratulations. That is exciting news\n\nChannel 1: Cheers.\n\nChannel 0: for you, and that'll be a very large move. You said\n\nChannel 1: Yeah.\n\nChannel 0: start up next year, so you got a bit of time ahead of you for organizing that?\n\nChannel 1: Yeah. That's it. Yeah. So about\n\nChannel 0: Yeah.\n\nChannel 1: twelve months.\n\nChannel 0: Perfect.\n\nChannel 1: So\n\nChannel 0: So\n\nChannel 1: yeah.\n\nChannel 0: helping her pay the house. That's lovely. Do you still have around around about a 153,000 in savings, or has that amount gone up a little bit?\n\nChannel 1: It's gone up a little bit. So, yeah, it's it's still does it oh, it's actually it's about 148 now. So, yeah, it's all good.\n\nChannel 0: Okay. Perfect. About a 100\n\nChannel 1: Yeah.\n\nChannel 0: and 48,000.\n\nChannel 1: Yeah.\n\nChannel 0: Lovely. Perfect.\n\nChannel 1: Yeah. Because I\n\nChannel 0: Lovely.\n\nChannel 1: do we had to had to dip into it a little bit because we went to Vietnam for Christmas and New Year. So, yeah, that was\n\nChannel 0: Yeah.\n\nChannel 1: fun.\n\nChannel 0: That sounds exciting. I've heard Vietnam is amazing.\n\nChannel 1: Yeah. We we we did the whole country. So we started in Hanoi and went to Da Nang and ended up in Ho Chi Minh City for our last stop.\n\nChannel 0: Wow. Yeah.\n\nChannel 1: So, yeah, it was\n\nChannel 0: No.\n\nChannel 1: good.\n\nChannel 0: That's that's fantastic. Well, I'm glad you enjoyed the time. And, look, you can always build your savings back up, but those memories are something you can't get back. And, look, you know, may never go back there again, so that is well worth the money spent, I would\n\nChannel 1: Yeah.\n\nChannel 0: say.\n\nChannel 1: Yeah. We're we're\n\nChannel 0: Yeah.\n\nChannel 1: looking at it in the next couple of years. So, again, so\n\nChannel 0: And\n\nChannel 1: we won't do the train trip. So we'll\n\nChannel 0: and\n\nChannel 1: just\n\nChannel 0: fantastic.\n\nChannel 1: see how that goes.\n\nChannel 0: Excellent. Other assets I have noted is your Prado. We had a value of about 26,500.\n\nChannel 1: Yep.\n\nChannel 0: Would you alter that value at all or still the same?\n\nChannel 1: Still the same.\n\nChannel 0: Still the same? Lovely. I've also got your smart loans down here. You had about 500 owing. Have you been able to reduce that or pay it off since July at all?\n\nChannel 1: I've got I've got one paid off, and I'm still working on the other one.\n\nChannel 0: Yep. Perfect. And how much do you have owing on that at the moment?\n\nChannel 1: I think it's 1,500.\n\nChannel 0: 1,500? Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: Lovely. And then I've also got your contents. We had a a value of about 8,000 on that one. I'd probably keep that roughly about the same there for you.\n\nChannel 1: Yeah. Yeah. Yep.\n\nChannel 0: Yep. Beautiful. And your rent, which is $7.60 per week when we last spoke, and it's all paid by your employer part of your salary sacrifice. Is that right?\n\nChannel 1: Yeah. Yeah. Yep.\n\nChannel 0: Yep. Yep. Perfect. Lovely. So does this mean you'll be leaving your job and maybe taking another role when you move down south, or are you able to stay with the same employer?\n\nChannel 1: No. I'll be I'll be looking for another job. So as well. So\n\nChannel 0: Okay.\n\nChannel 1: yeah. But that's alright.\n\nChannel 0: Perfect.\n\nChannel 1: That's fine.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. You've got a bit of time ahead of you to sort of get that sorted. That's absolutely okay. When the time comes that you\n\nChannel 1: Yep.\n\nChannel 0: do get another job, do let us know. We can definitely also provide the employer contributions details form for you. And as we are updating the advice, we may have a new super fund to provide that information to you with. So we'll we'll update the advice to reflect now just noting that you do currently have this job, but, obviously, we know that things could change in the future there for you as well. Okay?\n\nChannel 1: Yep. No\n\nChannel 0: Yeah. Perfect. The only other thing I just wanted to double check was I know we did discuss your insure your\n\nChannel 1: worries.\n\nChannel 0: insurance levels back when you did your annual review there. You do only have that income protection policy noted with ClearView. Sorry. You don't have any life cover, so it does sort of mean that if in the event of passing away, it is only your super benefit that is paid out to your beneficiaries there. Are you still fairly comfortable not having life cover at the moment?\n\nChannel 1: Yeah. No. That's all good at the moment.\n\nChannel 0: Yep. Beautiful. And the same with disability with TPD cover. If you were TPD for any unknown reason, and not able to go back to work, if we do, not having any TPD cover as such means that we would have to claim permanent incapacity against your super. It does mean that you can access super on those pounds, and it is a taxable payment.\n\nBut are you comfortable not having TPD still, not wanting to look at that at the moment?\n\nChannel 1: No. That's fine.\n\nChannel 0: No. That's fine. Perfect. And there's other insurances. We would have gone through trauma, which is held outside of super, and does sort of pay out a tax free lump sum benefit in the event of a certain, sorry, traumatic diagnosis.\n\nYou're comfortable not looking at anything additional paid outside of sleep. Are you happy just with the income protection you have?\n\nChannel 1: Yeah. Yeah. Yeah. No. That's fine.\n\nChannel 0: Yes. Beautiful. And income wise, I have you earning you're on about 67,100 at the moment. Is that still the same, or have you been lucky enough to get an increase on that?\n\nChannel 1: I wish, but not still the same.\n\nChannel 0: $67,100? Oh,\n\nChannel 1: Yeah.\n\nChannel 0: well, hopefully\n\nChannel 1: Although\n\nChannel 0: soon.\n\nChannel 1: yeah. They reckon we're getting one, but I don't know. I'll do well, when we get it, we get it. So it's it's all good.\n\nChannel 0: Yeah. That's okay. That's alright. Fingers crossed there for you. It does look like at the moment you are just slightly over insured.\n\nThat is only by a very small amount. You are paying about $1,800 for that policy out of sleep at the moment. You're happy to keep that level as it is?\n\nChannel 1: Yes, ma'am.\n\nChannel 0: Yeah. Perfect. Knowing that things could definitely change, so we'll just sort of wait and see and keep up to date with you. Obviously, early next year, we'll make sure we do a bit of a catch up. And you do have an annual review due before then as well.\n\nSo we'll make sure\n\nChannel 1: Yep.\n\nChannel 0: we catch up and check-in with you to make sure everything's going okay.\n\nChannel 1: No worries.\n\nChannel 0: And just double also double checking your beneficiary information as well. So in the event of passing, where did you want your super benefit to be paid to? It looks like I just don't have a beneficiary nominated on file at all.\n\nChannel 1: Yeah. That that will change because when I get down there with my partner, then we'll put we're gonna be putting each other on on ours on both of ours\n\nChannel 0: Yep. Okay.\n\nChannel 1: if that's yeah.\n\nChannel 0: That's okay. That's okay. So did you wanna I mean, you can nominate her beforehand if you are comfortable doing that. Did you want her nominated on there before you move down, or is it something you'd not like\n\nChannel 1: So\n\nChannel 0: to do until you do move in together?\n\nChannel 1: yeah. No. That's we've already talked about, and that's something we'll do when we're moving together.\n\nChannel 0: Okay.\n\nChannel 1: Because\n\nChannel 0: No\n\nChannel 1: she's\n\nChannel 0: worries at\n\nChannel 1: she's\n\nChannel 0: all.\n\nChannel 1: still got a because she's separated from her husband, so she's still doing the\n\nChannel 0: Yeah.\n\nChannel 1: divorce and stuff. So she\n\nChannel 0: Okay.\n\nChannel 1: doesn't wanna make any changes until she so that ends gets him out of her life. So\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Completely understandable. There's a lot\n\nChannel 1: Yeah.\n\nChannel 0: going on with divorces, so not a problem at all.\n\nChannel 1: Yep.\n\nChannel 0: Easy. And having a look, I don't have sorry. I don't have any dependents. You don't have any kids at all?\n\nChannel 1: No.\n\nChannel 0: No. That's okay. And I have your next of kin noted as Carrie Aiken. Do you mind if I ask who Carrie is?\n\nChannel 1: That's my mom.\n\nChannel 0: It's your mom. Perfect. Do you happen to know her contact phone number off my heart? I just don't have a phone number for her, Dan. Sorry.\n\nIf you don't, that's okay.\n\nChannel 1: Yeah. No. No. I don't. But when you text the the ID three,\n\nChannel 0: Yep.\n\nChannel 1: I'll attach it.\n\nChannel 0: Beautiful. I'll get that sorted for you after the call. Lovely.\n\nChannel 1: Yep.\n\nChannel 0: Well, look. What I'll do is just to kinda recap is I'll go back and I'll with my team, they will do a bit of research around the different portfolios, definitely look at the SMA and different super funds to make sure we can, you know, hopefully, lower the cost of fees and provide a greater benefit for you. We'll update the advice and come back and show you what that looks like. In the meantime, if you find you have any questions with regard to any of that, please let me know. I do have a lot of advice at the moment, so it will take me a couple of weeks to put that together.\n\nBut as soon as we have it together, I'll get the team to touch base and book you in to go through it with you. Is that okay?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yeah. Beautiful. Is there anything else that might be important to sort of touch base on at the moment there at all, David? Is that we've sort of hit all the points for the day?\n\nChannel 1: No. I think that's, yes, I think that's about\n\nChannel 0: Yeah. Beautiful. Have you got the rest of\n\nChannel 1: it.\n\nChannel 0: the day off, or are you working today?\n\nChannel 1: No. That's it. Tomorrow afternoon's gonna be, like, clean up the house and taking my dog down to the beach. Hopefully,\n\nChannel 0: Beautiful.\n\nChannel 1: it stops raining.\n\nChannel 0: Yeah. Oh, it's raining. I'm so sorry. That's\n\nChannel 1: Yeah.\n\nChannel 0: a shame.\n\nChannel 1: Well, I'm in Broome. I'm in Broome, so it's our wet season now.\n\nChannel 0: It's\n\nChannel 1: We just got a tropical\n\nChannel 0: yeah.\n\nChannel 1: low hovering over us for the last couple of days, and it's absolutely\n\nChannel 0: Wow.\n\nChannel 1: just bucketed down.\n\nChannel 0: Well,\n\nChannel 1: So\n\nChannel 0: hopefully,\n\nChannel 1: yeah.\n\nChannel 0: that clears, and, hopefully, you can enjoy your your days off. At least it's a good day. Whether it's raining, it's a good day for a bit of Netflix and a bit of veg.\n\nChannel 1: Yeah. That's it. Yeah. Or Xbox on the other.\n\nChannel 0: Absolutely. Well, you enjoy your time off. I'll get cracking on that research. If we do find we need anything additional, I'll touch base and let you know. If you\n\nChannel 1: No\n\nChannel 0: find\n\nChannel 1: worries.\n\nChannel 0: you have any questions, let me know. We'll also send through an email with the information for the ClearView policy for you, and I'll get the team to text you asking for ID and to get your mom's phone number for a a next of kin as well. Okay?\n\nChannel 1: Yep. No worries. Cheers.\n\nChannel 0: Thank you for your time. You have a wonderful day. I appreciate you taking my call.\n\nChannel 1: No worries. Have a good day as\n\nChannel 0: Thank you. See you later. Bye.\n\nChannel 1: well. No worries. Bye. See you.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.0,"end":0.5,"sentiment":"neutral","sentiment_score":0.011524757370352743},{"text":"Hello?","start":3.9199998,"end":4.42,"sentiment":"neutral","sentiment_score":0.021618911996483803}],"sentiment":"neutral","sentiment_score":0.016571834683418274,"channel":1,"num_words":2,"start":0.0,"end":4.42},{"sentences":[{"text":"Hi, David.","start":5.44,"end":6.08,"sentiment":"neutral","sentiment_score":0.09888163581490518},{"text":"This is Dana from Okie Financial.","start":6.08,"end":7.7,"sentiment":"neutral","sentiment_score":0.13958826661109924},{"text":"How are you this morning?","start":7.7599998,"end":8.9,"sentiment":"neutral","sentiment_score":0.19644374251365662}],"sentiment":"neutral","sentiment_score":0.15519319875882223,"channel":0,"num_words":13,"start":5.44,"end":8.9},{"sentences":[{"text":"Yeah.","start":9.36,"end":9.5199995,"sentiment":"neutral","sentiment_score":0.14135566353797913},{"text":"Alright.","start":9.5199995,"end":9.92,"sentiment":"neutral","sentiment_score":0.18091022968292236},{"text":"Yourself?","start":9.92,"end":10.42,"sentiment":"neutral","sentiment_score":0.1728702038526535}],"sentiment":"neutral","sentiment_score":0.165045365691185,"channel":1,"num_words":3,"start":9.36,"end":10.42},{"sentences":[{"text":"I'm very well.","start":10.719999,"end":11.5199995,"sentiment":"positive","sentiment_score":0.5874804854393005},{"text":"Thank you.","start":11.5199995,"end":11.84,"sentiment":"positive","sentiment_score":0.6832176744937897},{"text":"I had you booked in for a bit of a catch up this morning.","start":11.84,"end":13.92,"sentiment":"neutral","sentiment_score":0.3301239609718323},{"text":"Is now still a good time there for you?","start":13.92,"end":15.735,"sentiment":"neutral","sentiment_score":0.2999466442399555}],"sentiment":"positive","sentiment_score":0.37321900203824043,"channel":0,"num_words":28,"start":10.719999,"end":15.735},{"sentences":[{"text":"Yeah.","start":16.255001,"end":16.494999,"sentiment":"neutral","sentiment_score":0.2681474983692169},{"text":"It's all good.","start":16.494999,"end":17.235,"sentiment":"positive","sentiment_score":0.4077292283376058}],"sentiment":"positive","sentiment_score":0.3728337958455086,"channel":1,"num_words":4,"start":16.255001,"end":17.235},{"sentences":[{"text":"Yep.","start":17.574999,"end":17.975,"sentiment":"positive","sentiment_score":0.3599027991294861},{"text":"Fantastic.","start":17.975,"end":18.475,"sentiment":"positive","sentiment_score":0.6187740564346313},{"text":"David, before we jump into the call, just to let you know, we do record these calls for quality and training purposes.","start":18.775,"end":23.414999,"sentiment":"neutral","sentiment_score":0.2112406072291461},{"text":"You're happy for us to proceed with that?","start":23.414999,"end":25.275,"sentiment":"positive","sentiment_score":0.35224952176213264}],"sentiment":"neutral","sentiment_score":0.26387394964694977,"channel":0,"num_words":32,"start":17.574999,"end":25.275},{"sentences":[{"text":"Yeah.","start":25.455,"end":25.615,"sentiment":"neutral","sentiment_score":0.2690025568008423},{"text":"It's all good.","start":25.615,"end":26.19,"sentiment":"positive","sentiment_score":0.46947579582532245}],"sentiment":"positive","sentiment_score":0.4193574860692024,"channel":1,"num_words":4,"start":25.455,"end":26.19},{"sentences":[{"text":"Fantastic.","start":26.775,"end":27.275,"sentiment":"positive","sentiment_score":0.6251937747001648},{"text":"And just to do security there with you as well, I just need to confirm your full name, your date of birth, and address I should have on file for you.","start":27.335,"end":33.43,"sentiment":"neutral","sentiment_score":0.2103271811239181}],"sentiment":"neutral","sentiment_score":0.2232917621731758,"channel":0,"num_words":32,"start":26.775,"end":33.43},{"sentences":[{"text":"David Tibbett.","start":34.11,"end":34.91,"sentiment":"neutral","sentiment_score":0.007822586223483086},{"text":"I don't see it 74 And 7 A The Pledge, Cable Beach, WA.","start":34.91,"end":39.010002,"sentiment":"neutral","sentiment_score":-0.0005803659486656005}],"sentiment":"neutral","sentiment_score":0.0005400276742875576,"channel":1,"num_words":15,"start":34.11,"end":39.010002},{"sentences":[{"text":"Yeah.","start":39.89,"end":40.37,"sentiment":"neutral","sentiment_score":0.09497705101966858},{"text":"Perfect.","start":40.37,"end":40.85,"sentiment":"positive","sentiment_score":0.3700697422027588},{"text":"Thank you so much for that.","start":40.85,"end":42.39,"sentiment":"positive","sentiment_score":0.4931480387846629},{"text":"David, I know you completed a bit of a catch up with my colleague, Samantha, just a few days ago there, and she prebooked you in for a bit of a a catch up with myself on the advisory just to kinda go through things and have a bit of a look at your portfolio.","start":42.45,"end":54.025,"sentiment":"neutral","sentiment_score":0.18487562239170074},{"text":"As we're kinda going through the catch up today, is there anything else or anything specific you wanted me to touch on for you?","start":54.885002,"end":59.94,"sentiment":"neutral","sentiment_score":0.07295126359288891}],"sentiment":"neutral","sentiment_score":0.17635545498509517,"channel":0,"num_words":87,"start":39.89,"end":59.94},{"sentences":[{"text":"Or","start":59.94,"end":60.44,"sentiment":"neutral","sentiment_score":0.0139301847666502}],"sentiment":"neutral","sentiment_score":0.0139301847666502,"channel":0,"num_words":1,"start":59.94,"end":60.44},{"sentences":[{"text":"She did say she was gonna send me a message through so I can take a photo of my ID.","start":61.34,"end":65.5,"sentiment":"neutral","sentiment_score":-0.008750811591744423},{"text":"So because it's it needs to be updated as well, but I haven't","start":65.5,"end":69.26,"sentiment":"neutral","sentiment_score":-0.01620100037409709}],"sentiment":"neutral","sentiment_score":-0.011685734445398504,"channel":1,"num_words":33,"start":61.34,"end":69.26},{"sentences":[{"text":"Okay.","start":69.06,"end":69.56,"sentiment":"neutral","sentiment_score":-0.01580646075308323}],"sentiment":"neutral","sentiment_score":-0.01580646075308323,"channel":0,"num_words":1,"start":69.06,"end":69.56},{"sentences":[{"text":"received anything from her.","start":69.26,"end":70.8,"sentiment":"neutral","sentiment_score":-0.028122063726186752}],"sentiment":"neutral","sentiment_score":-0.028122063726186752,"channel":1,"num_words":4,"start":69.26,"end":70.8},{"sentences":[{"text":"No.","start":71.015,"end":71.174995,"sentiment":"neutral","sentiment_score":-0.005071690306067467},{"text":"That's okay.","start":71.174995,"end":71.814995,"sentiment":"neutral","sentiment_score":0.03287963289767504},{"text":"I'll make sure that comes through to you after the call.","start":71.814995,"end":74.134995,"sentiment":"neutral","sentiment_score":0.09499345448884097},{"text":"That's not a problem at all.","start":74.134995,"end":75.595,"sentiment":"neutral","sentiment_score":0.19978157927592596},{"text":"Is it easier if we send it via text or email?","start":75.655,"end":78.055,"sentiment":"neutral","sentiment_score":0.06513081253929572}],"sentiment":"neutral","sentiment_score":0.09744335446626909,"channel":0,"num_words":31,"start":71.015,"end":78.055},{"sentences":[{"text":"What would be the best way for you to receive that message?","start":78.055,"end":80.475,"sentiment":"neutral","sentiment_score":0.04507480934262276}],"sentiment":"neutral","sentiment_score":0.04507480934262276,"channel":0,"num_words":12,"start":78.055,"end":80.475},{"sentences":[{"text":"Just through text.","start":81.024994,"end":81.825,"sentiment":"neutral","sentiment_score":0.0356343537569046},{"text":"That'd be fine.","start":81.825,"end":82.645,"sentiment":"neutral","sentiment_score":0.07110878080129623}],"sentiment":"neutral","sentiment_score":0.05337156727910042,"channel":1,"num_words":6,"start":81.024994,"end":82.645},{"sentences":[{"text":"Text?","start":82.854996,"end":83.255,"sentiment":"neutral","sentiment_score":0.07624491304159164},{"text":"Yeah.","start":83.255,"end":83.575,"sentiment":"neutral","sentiment_score":0.13483330607414246},{"text":"Perfect.","start":83.575,"end":83.975,"sentiment":"neutral","sentiment_score":0.3250129520893097},{"text":"Thank you so much for that.","start":83.975,"end":85.095,"sentiment":"positive","sentiment_score":0.4999134987592697},{"text":"I'll take care of that one for you.","start":85.095,"end":86.7,"sentiment":"positive","sentiment_score":0.46837108582258224}],"sentiment":"positive","sentiment_score":0.4283847559024306,"channel":0,"num_words":17,"start":82.854996,"end":86.7},{"sentences":[{"text":"No","start":86.945,"end":87.185,"sentiment":"neutral","sentiment_score":0.09357763081789015}],"sentiment":"neutral","sentiment_score":0.09357763081789015,"channel":1,"num_words":1,"start":86.945,"end":87.185},{"sentences":[{"text":"David,","start":87.18,"end":87.42,"sentiment":"neutral","sentiment_score":0.044025667011737823}],"sentiment":"neutral","sentiment_score":0.044025667011737823,"channel":0,"num_words":1,"start":87.18,"end":87.42},{"sentences":[{"text":"worries.","start":87.185,"end":87.48,"sentiment":"neutral","sentiment_score":0.05492506176233291}],"sentiment":"neutral","sentiment_score":0.05492506176233291,"channel":1,"num_words":1,"start":87.185,"end":87.48},{"sentences":[{"text":"I can also see here that your insurance policy with Clearview is up for renewal as well.","start":87.42,"end":93.02,"sentiment":"neutral","sentiment_score":0.08941051495425842},{"text":"They have sent you a bit of a letter there just noting that if you wanted to have your 10% discount reset, which can definitely help to make the premiums a little bit cheaper just to go on to their website and answer a couple of health questions.","start":93.02,"end":105.475,"sentiment":"positive","sentiment_score":0.42737232738484937},{"text":"Did you want me to maybe email that to you after the call as well just to give you some information on how that can maybe help your premiums for your in income protection policy.","start":106.095,"end":115.97,"sentiment":"positive","sentiment_score":0.33611183932849337}],"sentiment":"positive","sentiment_score":0.33797764845192435,"channel":0,"num_words":100,"start":87.42,"end":115.97},{"sentences":[{"text":"Yeah.","start":116.915,"end":117.235,"sentiment":"neutral","sentiment_score":0.1061583086848259},{"text":"Sure.","start":117.235,"end":117.735,"sentiment":"neutral","sentiment_score":0.10448111593723296}],"sentiment":"neutral","sentiment_score":0.10531971231102943,"channel":1,"num_words":2,"start":116.915,"end":117.735},{"sentences":[{"text":"Yeah.","start":118.11,"end":118.509995,"sentiment":"neutral","sentiment_score":0.08241653442382812},{"text":"Did they send you that letter?","start":118.509995,"end":120.189995,"sentiment":"neutral","sentiment_score":0.08829555039604504},{"text":"Have you received anything from Clearview recently at all?","start":120.189995,"end":122.93,"sentiment":"neutral","sentiment_score":0.03496724781062868}],"sentiment":"neutral","sentiment_score":0.05793094169348478,"channel":0,"num_words":16,"start":118.11,"end":122.93},{"sentences":[{"text":"I think I might have, but I haven't really looked because it's been a little busy.","start":123.42,"end":127.6,"sentiment":"neutral","sentiment_score":-0.18619939498603344}],"sentiment":"neutral","sentiment_score":-0.18619939498603344,"channel":1,"num_words":16,"start":123.42,"end":127.6},{"sentences":[{"text":"Yeah.","start":128.035,"end":128.355,"sentiment":"neutral","sentiment_score":-0.10020306706428528},{"text":"No.","start":128.355,"end":128.595,"sentiment":"neutral","sentiment_score":-0.2053833305835724},{"text":"That's okay.","start":128.595,"end":129.475,"sentiment":"neutral","sentiment_score":-0.19504062831401825}],"sentiment":"neutral","sentiment_score":-0.17391691356897354,"channel":0,"num_words":4,"start":128.035,"end":129.475},{"sentences":[{"text":"So yeah.","start":129.02,"end":129.92,"sentiment":"neutral","sentiment_score":-0.17938747256994247}],"sentiment":"neutral","sentiment_score":-0.17938747256994247,"channel":1,"num_words":2,"start":129.02,"end":129.92},{"sentences":[{"text":"Life gets a bit hectic.","start":129.475,"end":130.755,"sentiment":"neutral","sentiment_score":-0.27281041741371154},{"text":"Completely understandable.","start":130.755,"end":131.975,"sentiment":"neutral","sentiment_score":0.013784584880340844},{"text":"I just know with this this letter here, it essentially allows you up until the March 1.","start":132.755,"end":137.395,"sentiment":"neutral","sentiment_score":0.17636074695517034},{"text":"They just want you to sort of pop on.","start":137.395,"end":138.675,"sentiment":"neutral","sentiment_score":0.2888687484794193},{"text":"It's about a ten minute questionnaire just around your health.","start":138.675,"end":141.415,"sentiment":"neutral","sentiment_score":0.21712775975465776}],"sentiment":"neutral","sentiment_score":0.14959874685561328,"channel":0,"num_words":43,"start":129.475,"end":141.415},{"sentences":[{"text":"And then, essentially, if so long as you know the criteria, they can reapply that 10% discount onto your income protection policy, which essentially means that it reduces the cost of the premiums coming out each year for you.","start":141.81999,"end":153.26,"sentiment":"positive","sentiment_score":0.4053234438865613},{"text":"So it is definitely worth having a bit of a look at if you've got a spare ten minutes aside somewhere one of the days.","start":153.26,"end":158.41501,"sentiment":"positive","sentiment_score":0.4572463685274124},{"text":"But","start":158.63501,"end":158.875,"sentiment":"neutral","sentiment_score":0.23427221179008484}],"sentiment":"positive","sentiment_score":0.422662242100789,"channel":0,"num_words":65,"start":141.81999,"end":158.875},{"sentences":[{"text":"Yep.","start":158.86,"end":159.36,"sentiment":"positive","sentiment_score":0.34275850653648376}],"sentiment":"positive","sentiment_score":0.34275850653648376,"channel":1,"num_words":1,"start":158.86,"end":159.36},{"sentences":[{"text":"I'll email that through to you after the call if you like just so you can have a look because, look, saving money is not a bad 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understandable.","start":290.94498,"end":291.76498,"sentiment":"neutral","sentiment_score":0.08628686517477036},{"text":"Unfortunately, some sometimes these things happen with investments.","start":291.905,"end":294.54498,"sentiment":"neutral","sentiment_score":-0.11534969136118889},{"text":"That's why we wanted to touch base as part of the catch up and just make sure we're informing you of what's going on and letting you know we are working to move that out.","start":294.54498,"end":302.565,"sentiment":"neutral","sentiment_score":0.0661576687757458},{"text":"Since we have been notified of the news, obviously, we have gone back and reevaluated some other options.","start":302.705,"end":307.48,"sentiment":"neutral","sentiment_score":0.13759346968597835},{"text":"So we do have some things that we can put in its place and do wanna update that advice for you.","start":307.48,"end":312.46,"sentiment":"neutral","sentiment_score":0.18730841931842623}],"sentiment":"neutral","sentiment_score":0.09494587936482969,"channel":0,"num_words":84,"start":290.94498,"end":312.46},{"sentences":[{"text":"But","start":312.68,"end":312.84,"sentiment":"neutral","sentiment_score":0.053761184215545654}],"sentiment":"neutral","sentiment_score":0.053761184215545654,"channel":0,"num_words":1,"start":312.68,"end":312.84},{"sentences":[{"text":"Mhmm.","start":312.82498,"end":313.32498,"sentiment":"neutral","sentiment_score":0.009389236569404602}],"sentiment":"neutral","sentiment_score":0.009389236569404602,"channel":1,"num_words":1,"start":312.82498,"end":313.32498},{"sentences":[{"text":"while we are updating the investments, it might be also worth reevaluating whether the Netwealth is the right platform or whether there's something better out there for you as well.","start":312.84,"end":320.44,"sentiment":"neutral","sentiment_score":0.08845797032117844},{"text":"It might be a little bit cheaper in fees and help benefit you long term.","start":320.44,"end":324.215,"sentiment":"positive","sentiment_score":0.388021856546402},{"text":"Does that sound okay?","start":324.215,"end":325.435,"sentiment":"neutral","sentiment_score":0.18937842547893524}],"sentiment":"neutral","sentiment_score":0.1883996053009617,"channel":0,"num_words":49,"start":312.84,"end":325.435},{"sentences":[{"text":"Yes.","start":326.04,"end":326.28,"sentiment":"neutral","sentiment_score":0.18968485295772552},{"text":"That's 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what","start":353.055,"end":353.53497,"sentiment":"neutral","sentiment_score":0.1817520186305046}],"sentiment":"neutral","sentiment_score":0.1817520186305046,"channel":0,"num_words":2,"start":353.055,"end":353.53497},{"sentences":[{"text":"yeah.","start":353.41,"end":353.91,"sentiment":"neutral","sentiment_score":0.12193363159894945}],"sentiment":"neutral","sentiment_score":0.12193363159894945,"channel":1,"num_words":1,"start":353.41,"end":353.91},{"sentences":[{"text":"the reason I'm sort of asking that question is we do have different ways of investing.","start":354.01498,"end":358.03497,"sentiment":"neutral","sentiment_score":0.07867844426073134},{"text":"As you sort of are aware, you have that been a long investment in there.","start":358.095,"end":361.215,"sentiment":"neutral","sentiment_score":0.06290539205074311},{"text":"Part of that that being part of your portfolio in the past was about having a bit of active management there.","start":361.215,"end":366.73,"sentiment":"neutral","sentiment_score":0.11206334900288355},{"text":"And when we talk active management, it's not about buying and selling on a regular basis.","start":366.73,"end":370.65002,"sentiment":"neutral","sentiment_score":0.06535077915759757},{"text":"It's more about investing in investment managers who are doing that with the underlying.","start":370.65002,"end":374.35,"sentiment":"neutral","sentiment_score":0.25086082411663874}],"sentiment":"neutral","sentiment_score":0.11113939417253543,"channel":0,"num_words":82,"start":354.01498,"end":374.35},{"sentences":[{"text":"They're trying to outperform the market.","start":374.49002,"end":376.17,"sentiment":"positive","sentiment_score":0.4357570956150691},{"text":"And we do know over history that some investment managers can, some don't.","start":376.17,"end":380.89502,"sentiment":"neutral","sentiment_score":0.0924484021961689},{"text":"Not they don't always do 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things, so you're 51 at almost 52.","start":406.435,"end":411.635,"sentiment":"neutral","sentiment_score":-0.025905916253880907},{"text":"Is that right?","start":411.635,"end":412.275,"sentiment":"neutral","sentiment_score":0.011755581945180893},{"text":"50","start":412.275,"end":412.595,"sentiment":"neutral","sentiment_score":0.002476806752383709}],"sentiment":"neutral","sentiment_score":-0.19097267876548524,"channel":0,"num_words":33,"start":401.75,"end":412.595},{"sentences":[{"text":"Yeah.","start":412.52,"end":412.84,"sentiment":"neutral","sentiment_score":0.013563865795731544}],"sentiment":"neutral","sentiment_score":0.013563865795731544,"channel":1,"num_words":1,"start":412.52,"end":412.84},{"sentences":[{"text":"two 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investors, like, what has happened with Ben along there, we could actually remove that investment without having to come and have that conversation with you.","start":482.09,"end":494.255,"sentiment":"neutral","sentiment_score":0.10521364601892094}],"sentiment":"neutral","sentiment_score":0.15310208300049877,"channel":0,"num_words":142,"start":450.15,"end":494.255},{"sentences":[{"text":"It sort of gives us a lot more control around what we can moving things to make sure that you're always invested correctly in the investments that are working.","start":494.255,"end":502.01498,"sentiment":"neutral","sentiment_score":0.2870419893799157},{"text":"We can maneuver things when they're not working or, say, if market changes happen, we can, know, move more money to cash if we need to.","start":502.01498,"end":508.7,"sentiment":"neutral","sentiment_score":0.13773335931965938},{"text":"And so it kinda gives our investment committee a little bit more control around maneuvering those investments 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ongoing client, so there's no initial there's no fees for the advice.","start":584.575,"end":589.135,"sentiment":"positive","sentiment_score":0.40563514828681946},{"text":"It's just part of us making sure we're doing things correctly.","start":589.135,"end":591.76,"sentiment":"positive","sentiment_score":0.44825916669585486},{"text":"We wanted to make sure we always pride ourselves on being honest.","start":592.14,"end":595.02,"sentiment":"positive","sentiment_score":0.42854303618272144}],"sentiment":"positive","sentiment_score":0.42784909870889454,"channel":0,"num_words":45,"start":583.775,"end":595.02},{"sentences":[{"text":"So letting you know that the market has there has been some things within your portfolio that aren't performing the way we wanted to.","start":595.02,"end":601.1,"sentiment":"neutral","sentiment_score":0.071136160986498},{"text":"We've obviously gone back and reassessed 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1,500.","start":751.935,"end":753.47504,"sentiment":"neutral","sentiment_score":0.024537680204957724}],"sentiment":"neutral","sentiment_score":0.024537680204957724,"channel":1,"num_words":4,"start":751.935,"end":753.47504},{"sentences":[{"text":"1,500?","start":753.69,"end":754.58997,"sentiment":"neutral","sentiment_score":0.03825762867927551},{"text":"Beautiful.","start":754.73,"end":755.23,"sentiment":"neutral","sentiment_score":0.33119937777519226}],"sentiment":"neutral","sentiment_score":0.1847285032272339,"channel":0,"num_words":2,"start":753.69,"end":755.23},{"sentences":[{"text":"Yeah.","start":755.135,"end":755.635,"sentiment":"neutral","sentiment_score":0.20923413336277008}],"sentiment":"neutral","sentiment_score":0.20923413336277008,"channel":1,"num_words":1,"start":755.135,"end":755.635},{"sentences":[{"text":"Lovely.","start":756.17,"end":756.67,"sentiment":"positive","sentiment_score":0.34555119276046753},{"text":"And then I've also got your contents.","start":756.97,"end":758.67,"sentiment":"neutral","sentiment_score":0.16599126798766},{"text":"We had a a value of about 8,000 on that one.","start":758.89,"end":761.69,"sentiment":"neutral","sentiment_score":0.12177618525244972},{"text":"I'd probably keep that roughly about the same there for you.","start":761.69,"end":764.605,"sentiment":"neutral","sentiment_score":0.1720460978421298}],"sentiment":"neutral","sentiment_score":0.15798450609048206,"channel":0,"num_words":30,"start":756.17,"end":764.605},{"sentences":[{"text":"Yeah.","start":764.72,"end":765.04,"sentiment":"neutral","sentiment_score":0.07104676216840744},{"text":"Yeah.","start":765.04,"end":765.27997,"sentiment":"neutral","sentiment_score":0.06389197707176208},{"text":"Yep.","start":765.27997,"end":765.77997,"sentiment":"neutral","sentiment_score":0.035038843750953674}],"sentiment":"neutral","sentiment_score":0.0566591943303744,"channel":1,"num_words":3,"start":764.72,"end":765.77997},{"sentences":[{"text":"Yep.","start":765.785,"end":766.02496,"sentiment":"neutral","sentiment_score":0.2461157739162445},{"text":"Beautiful.","start":766.02496,"end":766.425,"sentiment":"positive","sentiment_score":0.6454752683639526},{"text":"And your rent, which is $7.60 per week when we last spoke, and it's all paid by your employer part of your salary sacrifice.","start":766.425,"end":772.605,"sentiment":"neutral","sentiment_score":0.10539998160675168},{"text":"Is that right?","start":772.745,"end":773.565,"sentiment":"neutral","sentiment_score":0.04567973936597506}],"sentiment":"neutral","sentiment_score":0.12269757996345389,"channel":0,"num_words":29,"start":765.785,"end":773.565},{"sentences":[{"text":"Yeah.","start":773.6,"end":773.92,"sentiment":"neutral","sentiment_score":0.038392383605241776},{"text":"Yeah.","start":773.92,"end":774.16,"sentiment":"neutral","sentiment_score":0.051551453769207},{"text":"Yep.","start":774.16,"end":774.645,"sentiment":"neutral","sentiment_score":0.05964019149541855}],"sentiment":"neutral","sentiment_score":0.049861342956622444,"channel":1,"num_words":3,"start":773.6,"end":774.645},{"sentences":[{"text":"Yep.","start":774.77,"end":775.09,"sentiment":"neutral","sentiment_score":0.08392032235860825},{"text":"Yep.","start":775.09,"end":775.33,"sentiment":"neutral","sentiment_score":0.16236823797225952},{"text":"Perfect.","start":775.33,"end":775.83,"sentiment":"positive","sentiment_score":0.6476715803146362},{"text":"Lovely.","start":776.21,"end":776.69,"sentiment":"positive","sentiment_score":0.6124774217605591},{"text":"So does this mean you'll be leaving your job and maybe taking another role when you move down south, or are you able to stay with the same employer?","start":776.69,"end":783.51,"sentiment":"neutral","sentiment_score":0.023440627060059845}],"sentiment":"neutral","sentiment_score":0.06624896203478177,"channel":0,"num_words":33,"start":774.77,"end":783.51},{"sentences":[{"text":"No.","start":784.405,"end":784.72504,"sentiment":"neutral","sentiment_score":-0.21109789609909055},{"text":"I'll be I'll be looking for another job.","start":784.72504,"end":786.72504,"sentiment":"neutral","sentiment_score":-0.20687960647046566},{"text":"So as 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you.","start":799.57495,"end":803.58997,"sentiment":"neutral","sentiment_score":0.17161288174490133},{"text":"And as we are updating the advice, we may have a new super fund to provide that information to you with.","start":803.58997,"end":808.95,"sentiment":"neutral","sentiment_score":0.10606750562077477},{"text":"So we'll we'll update the advice to reflect now just noting that you do currently have this job, but, obviously, we know that things could change in the future there for you as 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insure your","start":821.885,"end":826.445,"sentiment":"neutral","sentiment_score":-0.03435831281699633}],"sentiment":"neutral","sentiment_score":-0.01570179242463339,"channel":0,"num_words":21,"start":819.885,"end":826.445},{"sentences":[{"text":"worries.","start":826.3875,"end":826.8875,"sentiment":"neutral","sentiment_score":-0.06059645488858223}],"sentiment":"neutral","sentiment_score":-0.06059645488858223,"channel":1,"num_words":1,"start":826.3875,"end":826.8875},{"sentences":[{"text":"insurance levels back when you did your annual review there.","start":826.445,"end":828.84503,"sentiment":"neutral","sentiment_score":-0.03623598478734493},{"text":"You do only have that income protection policy noted with ClearView.","start":828.84503,"end":832.93,"sentiment":"neutral","sentiment_score":-0.028094254264777355},{"text":"Sorry.","start":833.31,"end":833.55,"sentiment":"neutral","sentiment_score":-0.13652238249778748},{"text":"You don't have any life cover, so it does sort of mean that if in the event of passing away, it is only your super benefit that is paid out to your beneficiaries there.","start":833.55,"end":841.08997,"sentiment":"neutral","sentiment_score":-0.13016187443452723},{"text":"Are you still fairly comfortable not having life cover at the moment?","start":841.23,"end":844.425,"sentiment":"neutral","sentiment_score":-0.23213537658254305}],"sentiment":"neutral","sentiment_score":-0.11792716583894457,"channel":0,"num_words":68,"start":826.445,"end":844.425},{"sentences":[{"text":"Yeah.","start":845.10504,"end":845.34503,"sentiment":"neutral","sentiment_score":-0.09361188113689424},{"text":"No.","start":845.34503,"end":845.505,"sentiment":"neutral","sentiment_score":-0.26176077127456665},{"text":"That's all good at the 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at the moment you are just slightly over insured.","start":915.68,"end":918.8,"sentiment":"neutral","sentiment_score":-0.018623961279025443}],"sentiment":"neutral","sentiment_score":0.0688088740343633,"channel":0,"num_words":23,"start":911.665,"end":918.8},{"sentences":[{"text":"That is only by a very small amount.","start":918.8,"end":920.89996,"sentiment":"neutral","sentiment_score":-0.016969128977507353},{"text":"You are paying about $1,800 for that policy out of sleep at the moment.","start":921.04,"end":925.36,"sentiment":"neutral","sentiment_score":0.07774493630443301},{"text":"You're happy to keep that level as it is?","start":925.36,"end":927.525,"sentiment":"neutral","sentiment_score":0.25385698013835484}],"sentiment":"neutral","sentiment_score":0.10443189992539344,"channel":0,"num_words":31,"start":918.8,"end":927.525},{"sentences":[{"text":"Yes, 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absolutely","start":1102.89,"end":1105.6101,"sentiment":"neutral","sentiment_score":0.06580600515007973}],"sentiment":"neutral","sentiment_score":0.06580600515007973,"channel":1,"num_words":13,"start":1102.89,"end":1105.6101},{"sentences":[{"text":"Wow.","start":1105.555,"end":1106.055,"sentiment":"neutral","sentiment_score":0.1500232219696045}],"sentiment":"neutral","sentiment_score":0.1500232219696045,"channel":0,"num_words":1,"start":1105.555,"end":1106.055},{"sentences":[{"text":"just bucketed down.","start":1105.6101,"end":1106.8301,"sentiment":"neutral","sentiment_score":0.0748303880294164}],"sentiment":"neutral","sentiment_score":0.0748303880294164,"channel":1,"num_words":3,"start":1105.6101,"end":1106.8301},{"sentences":[{"text":"Well,","start":1107.3151,"end":1107.555,"sentiment":"neutral","sentiment_score":0.10440535843372344}],"sentiment":"neutral","sentiment_score":0.10440535843372344,"channel":0,"num_words":1,"start":1107.3151,"end":1107.555},{"sentences":[{"text":"So","start":1107.37,"end":1107.6101,"sentiment":"neutral","sentiment_score":0.1823119819164276}],"sentiment":"neutral","sentiment_score":0.1823119819164276,"channel":1,"num_words":1,"start":1107.37,"end":1107.6101},{"sentences":[{"text":"hopefully,","start":1107.555,"end":1107.9551,"sentiment":"neutral","sentiment_score":0.23974087834358215}],"sentiment":"neutral","sentiment_score":0.23974087834358215,"channel":0,"num_words":1,"start":1107.555,"end":1107.9551},{"sentences":[{"text":"yeah.","start":1107.77,"end":1108.27,"sentiment":"neutral","sentiment_score":0.2379419207572937}],"sentiment":"neutral","sentiment_score":0.2379419207572937,"channel":1,"num_words":1,"start":1107.77,"end":1108.27},{"sentences":[{"text":"that clears, and, hopefully, you can enjoy your your days off.","start":1107.9551,"end":1110.99,"sentiment":"positive","sentiment_score":0.3811855234883048},{"text":"At least it's a good day.","start":1110.99,"end":1112.11,"sentiment":"positive","sentiment_score":0.43538229664166767},{"text":"Whether it's raining, it's a good day for a bit of Netflix and a bit of veg.","start":1112.11,"end":1115.1699,"sentiment":"neutral","sentiment_score":0.2937488590969759}],"sentiment":"positive","sentiment_score":0.3470313277314691,"channel":0,"num_words":34,"start":1107.9551,"end":1115.1699},{"sentences":[{"text":"Yeah.","start":1115.655,"end":1115.895,"sentiment":"neutral","sentiment_score":0.05343954265117645},{"text":"That's it.","start":1115.895,"end":1116.455,"sentiment":"neutral","sentiment_score":0.03344414569437504},{"text":"Yeah.","start":1116.455,"end":1116.695,"sentiment":"neutral","sentiment_score":0.02037430927157402},{"text":"Or Xbox on the other.","start":1116.695,"end":1118.155,"sentiment":"neutral","sentiment_score":0.06157836653292179}],"sentiment":"neutral","sentiment_score":0.04984377510845661,"channel":1,"num_words":9,"start":1115.655,"end":1118.155},{"sentences":[{"text":"Absolutely.","start":1118.59,"end":1119.09,"sentiment":"positive","sentiment_score":0.6798322796821594},{"text":"Well, you enjoy your time off.","start":1119.63,"end":1121.3099,"sentiment":"positive","sentiment_score":0.7577731211980184},{"text":"I'll get cracking on that research.","start":1121.3099,"end":1122.765,"sentiment":"positive","sentiment_score":0.6776066919167837},{"text":"If we do find we need anything additional, I'll touch base and let you know.","start":1122.765,"end":1126.385,"sentiment":"neutral","sentiment_score":0.2114556516210238},{"text":"If you","start":1126.4451,"end":1126.765,"sentiment":"neutral","sentiment_score":0.05090693384408951}],"sentiment":"positive","sentiment_score":0.4188586600124836,"channel":0,"num_words":30,"start":1118.59,"end":1126.765},{"sentences":[{"text":"No","start":1126.72,"end":1126.88,"sentiment":"neutral","sentiment_score":0.028507288545370105}],"sentiment":"neutral","sentiment_score":0.028507288545370105,"channel":1,"num_words":1,"start":1126.72,"end":1126.88},{"sentences":[{"text":"find","start":1126.765,"end":1127.005,"sentiment":"neutral","sentiment_score":0.08378239721059799}],"sentiment":"neutral","sentiment_score":0.08378239721059799,"channel":0,"num_words":1,"start":1126.765,"end":1127.005},{"sentences":[{"text":"worries.","start":1126.88,"end":1127.38,"sentiment":"neutral","sentiment_score":0.08583308756351471}],"sentiment":"neutral","sentiment_score":0.08583308756351471,"channel":1,"num_words":1,"start":1126.88,"end":1127.38},{"sentences":[{"text":"you have any questions, let me know.","start":1127.005,"end":1128.525,"sentiment":"neutral","sentiment_score":0.12101114967039653},{"text":"We'll also send through an email with the information for the ClearView policy for you, and I'll get the team to text you asking for ID and to get your mom's phone number for a a next of kin as well.","start":1128.525,"end":1139.2,"sentiment":"neutral","sentiment_score":0.24585522420522643},{"text":"Okay?","start":1139.2,"end":1139.7,"sentiment":"neutral","sentiment_score":0.08580785989761353}],"sentiment":"neutral","sentiment_score":0.22475408367356475,"channel":0,"num_words":49,"start":1127.005,"end":1139.7},{"sentences":[{"text":"Yep.","start":1139.695,"end":1140.015,"sentiment":"neutral","sentiment_score":0.14001423120498657},{"text":"No worries.","start":1140.015,"end":1140.655,"sentiment":"neutral","sentiment_score":0.25985512137413025},{"text":"Cheers.","start":1140.655,"end":1141.155,"sentiment":"positive","sentiment_score":0.5952730178833008}],"sentiment":"neutral","sentiment_score":0.31374937295913696,"channel":1,"num_words":4,"start":1139.695,"end":1141.155},{"sentences":[{"text":"Thank you for your time.","start":1140.96,"end":1142.08,"sentiment":"positive","sentiment_score":0.8065831780433654},{"text":"You have a wonderful day.","start":1142.08,"end":1143.2,"sentiment":"positive","sentiment_score":0.8306093335151672},{"text":"I appreciate you taking my call.","start":1143.2,"end":1144.98,"sentiment":"positive","sentiment_score":0.8264233569304148}],"sentiment":"positive","sentiment_score":0.821531418710947,"channel":0,"num_words":16,"start":1140.96,"end":1144.98},{"sentences":[{"text":"No worries.","start":1145.0549,"end":1145.5349,"sentiment":"positive","sentiment_score":0.43983711302280426},{"text":"Have a good day as","start":1145.5349,"end":1146.595,"sentiment":"positive","sentiment_score":0.5871711611747742}],"sentiment":"positive","sentiment_score":0.5450757188456399,"channel":1,"num_words":7,"start":1145.0549,"end":1146.595},{"sentences":[{"text":"Thank you.","start":1146.72,"end":1147.36,"sentiment":"positive","sentiment_score":0.6588932871818542},{"text":"See you later.","start":1147.36,"end":1148.08,"sentiment":"positive","sentiment_score":0.5044947465260824},{"text":"Bye.","start":1148.08,"end":1148.58,"sentiment":"neutral","sentiment_score":0.20938414335250857}],"sentiment":"positive","sentiment_score":0.506775826215744,"channel":0,"num_words":6,"start":1146.72,"end":1148.58},{"sentences":[{"text":"well.","start":1148.095,"end":1148.335,"sentiment":"neutral","sentiment_score":0.2124510556459427},{"text":"No worries.","start":1148.335,"end":1148.815,"sentiment":"neutral","sentiment_score":0.11532897502183914},{"text":"Bye.","start":1148.815,"end":1149.0549,"sentiment":"neutral","sentiment_score":0.1512051671743393},{"text":"See you.","start":1149.0549,"end":1149.7949,"sentiment":"neutral","sentiment_score":0.04481877759099006}],"sentiment":"neutral","sentiment_score":0.1139919546743234,"channel":1,"num_words":6,"start":1148.095,"end":1149.7949}]},"summary":{"result":"success","short":"Representatives from Okie Financial call David to discuss his insurance policy with Clearview and offer discounts on his investment portfolio. They also suggest updating David's investment portfolio and reevaluate his portfolio. The agents discuss the benefits of a passively managed portfolio and adding a separate managed account for the customer. They also update the customer's financial details and discuss their retirement plans and insurance coverage. The agents remind the customer about annual reviews and provide advice on portfolios and policy updates."},"intents":{"segments":[{"text":"I had you booked in for a bit of a catch up this morning. Is now still a good time there for you? Yeah.","start_word":23,"end_word":46,"intents":[{"intent":"Confirm time","confidence_score":0.024350075}]},{"text":"And just to do security there with you as well, I just need to confirm your full name, your date of birth, and address I should have on file for you. David Tibbett.","start_word":87,"end_word":119,"intents":[{"intent":"Confirm security","confidence_score":0.3544018}]},{"text":"I'll make sure that comes through to you after the call. That's not a problem at all. Is it easier if we send it via text or email?","start_word":262,"end_word":289,"intents":[{"intent":"Send message","confidence_score":0.020610245}]},{"text":"What would be the best way for you to receive that message? Just through text.","start_word":290,"end_word":304,"intents":[{"intent":"Receive message","confidence_score":0.17476717}]},{"text":"They have sent you a bit of a letter there just noting that if you wanted to have your 10% discount reset, which can definitely help to make the premiums a little bit cheaper just to go on to their website and answer a couple of health questions. Did you want me to maybe email that to you after the call as well just to give you some information on how that can maybe help your premiums for your in income protection policy. Yeah.","start_word":346,"end_word":429,"intents":[{"intent":"Reset discount","confidence_score":0.60646546}]},{"text":"They have sent you a bit of a letter there just noting that if you wanted to have your 10% discount reset, which can definitely help to make the premiums a little bit cheaper just to go on to their website and answer a couple of health questions. Did you want me to maybe email that to you after the call as well just to give you some information on how that can maybe help your premiums for your in income protection policy. Yeah. Sure.","start_word":346,"end_word":430,"intents":[{"intent":"Provide information","confidence_score":0.37974244}]},{"text":"Now the other reasons we sort of wanted to touch base with you as well, we do sort of review your portfolio regularly with you.","start_word":612,"end_word":636,"intents":[{"intent":"Review portfolio","confidence_score":0.5621534}]},{"text":"It did mean that Benelon had to go back and under or reevaluate that portion of their investment, which meant that analysts have gone back and definitely reevaluated Bannalong as well.","start_word":806,"end_word":836,"intents":[{"intent":"Reevaluate bannalong's performance","confidence_score":0.00087673886}]},{"text":"We wanna obviously look at removing that from your portfolio, but we wanted to make sure we update all these circumstances to maybe have a look at how best to structure things and what we can maybe put in its place.","start_word":908,"end_word":948,"intents":[{"intent":"Update portfolio structure","confidence_score":0.0052130637}]},{"text":"Would you like me to do all of that for you and maybe update the advice to reflect? Yeah.","start_word":1029,"end_word":1047,"intents":[{"intent":"Update advice","confidence_score":0.68083054},{"intent":"Update advice","confidence_score":0.5716467}]},{"text":"Since we have been notified of the news, obviously, we have gone back and reevaluated some other options. So we do have some things that we can put in its place and do wanna update that advice for you. But Mhmm.","start_word":1108,"end_word":1148,"intents":[{"intent":"Reevaluate options","confidence_score":0.038198773}]},{"text":"while we are updating the investments, it might be also worth reevaluating whether the Netwealth is the right platform or whether there's something better out there for you as well. It might be a little bit cheaper in fees and help benefit you long term. Does that sound okay?","start_word":1149,"end_word":1197,"intents":[{"intent":"Assess netwealth platform","confidence_score":0.07162123}]},{"text":"Do you log in to Netwealth very often to have a look at what's happening with your super? Do you like the visibility you have on on those investments, or you don't sort of look at No. I don't really check very it. often?","start_word":1203,"end_word":1246,"intents":[{"intent":"Check visibility","confidence_score":0.585594}]},{"text":"I don't really check very it. often? No. That's okay. Every every time I go to log on, there's, like, wrong password or whatever. So it's just like, I'll leave it until I speak to you guys. So then Yeah.","start_word":1240,"end_word":1279,"intents":[{"intent":"Check password","confidence_score":0.2892412}]},{"text":"Every every time I go to log on, there's, like, wrong password or whatever. So it's just like, I'll leave it until I speak to you guys. So then Yeah.","start_word":1250,"end_word":1279,"intents":[{"intent":"Leave password","confidence_score":0.03173516}]},{"text":"As you sort of are aware, you have that been a long investment in there. Part of that that being part of your portfolio in the past was about having a bit of active management there. And when we talk active management, it's not about buying and selling on a regular basis.","start_word":1313,"end_word":1364,"intents":[{"intent":"Assess portfolio","confidence_score":0.0053106425}]},{"text":"So because you are getting closer and closer to accessing sleep, so one of the other things I can look at if you're comfortable with is looking at maybe a portfolio that might be lower in fees, is more passively managed.","start_word":1511,"end_word":1551,"intents":[{"intent":"Analyze portfolio options","confidence_score":0.2154683}]},{"text":"But in saying that if you were then to log in to Netwealth or into your super fund as such, you wouldn't see the nine different investment options that you can see at the moment.","start_word":1849,"end_word":1883,"intents":[{"intent":"Evaluate investment options","confidence_score":0.07030082}]},{"text":"Has there been any changes since we sort of spoke last?","start_word":2192,"end_word":2202,"intents":[{"intent":"Discuss portfolio changes","confidence_score":0.10579678}]},{"text":"I've also got your smart loans down here. You had about 500 owing. Have you been able to reduce that or pay it off since July at all?","start_word":2618,"end_word":2645,"intents":[{"intent":"Resolve debt","confidence_score":0.0023855946}]},{"text":"And your rent, which is $7.60 per week when we last spoke, and it's all paid by your employer part of your salary sacrifice. Is that right? Yeah.","start_word":2717,"end_word":2744,"intents":[{"intent":"Confirm rent and insurance coverage","confidence_score":0.00044004683}]},{"text":"And the same with disability with TPD cover. If you were TPD for any unknown reason, and not able to go back to work, if we do, not having any TPD cover as such means that we would have to claim permanent incapacity against your super.","start_word":3007,"end_word":3052,"intents":[{"intent":"Resolve claims","confidence_score":0.00014882181}]},{"text":"It does mean that you can access super on those pounds, and it is a taxable payment. But are you comfortable not having TPD still, not wanting to look at that at the moment? No.","start_word":3054,"end_word":3088,"intents":[{"intent":"Access super","confidence_score":0.27195266},{"intent":"Check coverage status","confidence_score":0.0015891279},{"intent":"Pay super benefit","confidence_score":0.63926846}]},{"text":"We would have gone through trauma, which is held outside of super, and does sort of pay out a tax free lump sum benefit in the event of a certain, sorry, traumatic diagnosis.","start_word":3098,"end_word":3130,"intents":[{"intent":"Pay lump sum benefit","confidence_score":0.07123295}]},{"text":"And income wise, I have you earning you're on about 67,100 at the moment. Is that still the same, or have you been lucky enough to get an increase on that?","start_word":3160,"end_word":3190,"intents":[{"intent":"Maintain income level","confidence_score":0.30784547}]},{"text":"And just double also double checking your beneficiary information as well. So in the event of passing, where did you want your super benefit to be paid to?","start_word":3356,"end_word":3383,"intents":[{"intent":"Check beneficiary information","confidence_score":0.1819438}]},{"text":"It looks like I just don't have a beneficiary nominated on file at all. Yeah.","start_word":3385,"end_word":3399,"intents":[{"intent":"Nominate beneficiary","confidence_score":0.5653456},{"intent":"Document status","confidence_score":0.00015124137}]},{"text":"And I have your next of kin noted as Carrie Aiken. Do you mind if I ask who Carrie is? That's my mom.","start_word":3587,"end_word":3609,"intents":[{"intent":"Identify caller","confidence_score":0.027917197}]},{"text":"Do you happen to know her contact phone number off my heart?","start_word":3614,"end_word":3625,"intents":[{"intent":"Confirm contact details","confidence_score":0.010356076}]},{"text":"What I'll do is just to kinda recap is I'll go back and I'll with my team, they will do a bit of research around the different portfolios, definitely look at the SMA and different super funds to make sure we can, you know, hopefully, lower the cost of fees and provide a greater benefit for you.","start_word":3674,"end_word":3730,"intents":[{"intent":"Review portfolios","confidence_score":0.048420284},{"intent":"Discuss sma and super funds","confidence_score":0.10708502}]},{"text":"I do have a lot of advice at the moment, so it will take me a couple of weeks to put that together. But as soon as we have it together, I'll get the team to touch base and book you in to go through it with you. Is that okay? Yeah.","start_word":3764,"end_word":3815,"intents":[{"intent":"Provide advice","confidence_score":0.15450871}]},{"text":"Is there anything else that might be important to sort of touch base on at the moment there at all, David? Is that we've sort of hit all the points for the day?","start_word":3820,"end_word":3852,"intents":[{"intent":"Cover points","confidence_score":0.0024699038}]},{"text":"it stops raining. Yeah.","start_word":3901,"end_word":3904,"intents":[{"intent":"Relax during rain","confidence_score":0.0008390192}]},{"text":"that clears, and, hopefully, you can enjoy your your days off. At least it's a good day. Whether it's raining, it's a good day for a bit of Netflix and a bit of veg. Yeah.","start_word":3956,"end_word":3990,"intents":[{"intent":"Enjoy days off","confidence_score":0.47274718}]}]},"sentiments":{"segments":[{"text":"Hello? Hello? Hi, David. This is Dana from Okie Financial. How are you this morning? Yeah. Alright. Yourself?","start_word":0,"end_word":17,"sentiment":"neutral","sentiment_score":0.13674163818359375},{"text":"I'm very well. Thank you.","start_word":18,"end_word":22,"sentiment":"positive","sentiment_score":0.6094131469726562},{"text":"I had you booked in for a bit of a catch up this morning. Is now still a good time there for you? Yeah.","start_word":23,"end_word":46,"sentiment":"neutral","sentiment_score":0.30997803807258606},{"text":"It's all good. Yep. Fantastic.","start_word":47,"end_word":51,"sentiment":"positive","sentiment_score":0.4314409792423248},{"text":"David, before we jump into the call, just to let you know, we do record these calls for quality and training purposes.","start_word":52,"end_word":73,"sentiment":"neutral","sentiment_score":0.2103205174207687},{"text":"You're happy for us to proceed with that?","start_word":74,"end_word":81,"sentiment":"positive","sentiment_score":0.3511838912963867},{"text":"Yeah.","start_word":82,"end_word":82,"sentiment":"neutral","sentiment_score":0.2690025568008423},{"text":"It's all good. Fantastic.","start_word":83,"end_word":86,"sentiment":"positive","sentiment_score":0.5030045509338379},{"text":"And just to do security there with you as well, I just need to confirm your full name, your date of birth, and address I should have on file for you. David Tibbett. I don't see it 74 And 7 A The Pledge, Cable Beach, WA. Yeah.","start_word":87,"end_word":133,"sentiment":"neutral","sentiment_score":0.12019909173250198},{"text":"Perfect. Thank you so much for that.","start_word":134,"end_word":140,"sentiment":"positive","sentiment_score":0.4682379961013794},{"text":"David, I know you completed a bit of a catch up with my colleague, Samantha, just a few days ago there, and she prebooked you in for a bit of a a catch up with myself on the advisory just to kinda go through things and have a bit of a look at your portfolio. As we're kinda going through the catch up today, is there anything else or anything specific you wanted me to touch on for you? Or She did say she was gonna send me a message through so I can take a photo of my ID. So because it's it needs to be updated as well, but I haven't Okay. received anything from her. No. That's okay. I'll make sure that comes through to you after the call. That's not a problem at all. Is it easier if we send it via text or email? What would be the best way for you to receive that message? Just through text. That'd be fine. Text? Yeah. Perfect.","start_word":141,"end_word":310,"sentiment":"neutral","sentiment_score":0.0948897823691368},{"text":"Thank you so much for that. I'll take care of that one for you.","start_word":311,"end_word":324,"sentiment":"positive","sentiment_score":0.47740596532821655},{"text":"No David, worries. I can also see here that your insurance policy with Clearview is up for renewal as well.","start_word":325,"end_word":344,"sentiment":"neutral","sentiment_score":0.08631211519241333},{"text":"They have sent you a bit of a letter there just noting that if you wanted to have your 10% discount reset, which can definitely help to make the premiums a little bit cheaper just to go on to their website and answer a couple of health questions. Did you want me to maybe email that to you after the call as well just to give you some information on how that can maybe help your premiums for your in income protection policy.","start_word":345,"end_word":427,"sentiment":"positive","sentiment_score":0.3910103440284729},{"text":"Yeah. Sure. Yeah. Did they send you that letter? Have you received anything from Clearview recently at all? I think I might have, but I haven't really looked because it's been a little busy. Yeah. No. That's okay. So yeah. Life gets a bit hectic. Completely understandable. I just know with this this letter here, it essentially allows you up until the March 1. They just want you to sort of pop on. It's about a ten minute questionnaire just around your health.","start_word":428,"end_word":510,"sentiment":"neutral","sentiment_score":0.024178262799978256},{"text":"And then, essentially, if so long as you know the criteria, they can reapply that 10% discount onto your income protection policy, which essentially means that it reduces the cost of the premiums coming out each year for you. So it is definitely worth having a bit of a look at if you've got a spare ten minutes aside somewhere one of the days.","start_word":511,"end_word":574,"sentiment":"positive","sentiment_score":0.4120194017887115},{"text":"But Yep.","start_word":575,"end_word":576,"sentiment":"neutral","sentiment_score":0.31563690304756165},{"text":"I'll email that through to you after the call if you like just so you can have a look because, look, saving money is not a bad thing.","start_word":577,"end_word":604,"sentiment":"positive","sentiment_score":0.4265574514865875},{"text":"Yeah. Yeah. Yeah. No worries.","start_word":605,"end_word":609,"sentiment":"neutral","sentiment_score":0.247589647769928},{"text":"Oh, good.","start_word":610,"end_word":611,"sentiment":"positive","sentiment_score":0.5183481574058533},{"text":"Now the other reasons we sort of wanted to touch base with you as well, we do sort of review your portfolio regularly with you. And I know we did do your annual review back in July. Having a bit of a look now, one of your underlying investments and along Australian equities, when you came on board originally, that was recommended as one of the investments there.","start_word":612,"end_word":679,"sentiment":"neutral","sentiment_score":0.22360022366046903},{"text":"The idea of having them in your portfolio is to give you a little bit of active management there trying to sort of outperform against certain index of the market to try and to provide greater returns.","start_word":680,"end_word":716,"sentiment":"positive","sentiment_score":0.3619450330734253},{"text":"We have this sort of noticed in the past couple of weeks and months, essentially, that Benelon have had a bit of an underlying issue with one of their investments. So I'm not sure if you've heard in the news at all, but one of their underlying investments, Corporate Traveler, has come out.","start_word":717,"end_word":769,"sentiment":"neutral","sentiment_score":-0.16863451898097992},{"text":"They had been been dis dishonest to the market and to their investors, and that had come out and had to be noted.","start_word":770,"end_word":792,"sentiment":"negative","sentiment_score":-0.5619335770606995},{"text":"One of those things that has to come out to to the market. It did mean that Benelon had to go back and under or reevaluate that portion of their investment, which meant that analysts have gone back and definitely reevaluated Bannalong as well.","start_word":793,"end_word":836,"sentiment":"neutral","sentiment_score":-0.22129908204078672},{"text":"So, unfortunately, it is causing a little bit of a pullback on your portfolio slightly.","start_word":837,"end_word":851,"sentiment":"negative","sentiment_score":-0.615637481212616},{"text":"That Mhmm. portion is down by about 22%. So it is showing the Bennelong equities, and that is quite a significant portion of your portfolio. You've got over 31% of your portfolio in Bennelong. So we just wanted to touch base to have a bit of a chat, let you know this is something that's happening. We wanna obviously look at removing that from your portfolio, but we wanted to make sure we update all these circumstances to maybe have a look at how best to structure things and what we can maybe put in its place. Have you heard anything recently about what's happened with Bannalong or the underlying investments? Or No. no. That's okay.","start_word":852,"end_word":967,"sentiment":"neutral","sentiment_score":-0.06899327784776688},{"text":"So it's a good thing we're giving you a call today and going through that with you.","start_word":968,"end_word":984,"sentiment":"positive","sentiment_score":0.5218823552131653},{"text":"Are you comfortable with me reevaluating not along with maybe your entire portfolio, having a look at what might structure better for you, what might have been performing better in the past, and maybe reassessing net wealth as a super fund as well. Would you like me to do all of that for you and maybe update the advice to reflect? Yeah. Sure. I'd rather be, like, Yeah. making money than not losing it. So Yeah. No. yeah. Completely understandable. Unfortunately, some sometimes these things happen with investments. That's why we wanted to touch base as part of the catch up and just make sure we're informing you of what's going on and letting you know we are working to move that out. Since we have been notified of the news, obviously, we have gone back and reevaluated some other options. So we do have some things that we can put in its place and do wanna update that advice for you. But Mhmm. while we are updating the investments, it might be also worth reevaluating whether the Netwealth is the right platform or whether there's something better out there for you as well.","start_word":985,"end_word":1178,"sentiment":"neutral","sentiment_score":0.10177250360090707},{"text":"It might be a little bit cheaper in fees and help benefit you long term.","start_word":1179,"end_word":1193,"sentiment":"positive","sentiment_score":0.3824182450771332},{"text":"Does that sound okay? Yes. That's fine.","start_word":1194,"end_word":1200,"sentiment":"neutral","sentiment_score":0.22892412543296817},{"text":"Yeah. Perfect.","start_word":1201,"end_word":1202,"sentiment":"positive","sentiment_score":0.4375620484352112},{"text":"Do you log in to Netwealth very often to have a look at what's happening with your super? Do you like the visibility you have on on those investments, or you don't sort of look at No. I don't really check very it. often? No. That's okay. Every every time I go to log on, there's, like, wrong password or whatever. So it's just like, I'll leave it until I speak to you guys. So then Yeah. I'll ask. So yeah. Yeah. That's No. That's that's that's a absolutely okay. good So what yeah. the reason I'm sort of asking that question is we do have different ways of investing. As you sort of are aware, you have that been a long investment in there. Part of that that being part of your portfolio in the past was about having a bit of active management there. And when we talk active management, it's not about buying and selling on a regular basis. It's more about investing in investment managers who are doing that with the underlying.","start_word":1203,"end_word":1378,"sentiment":"neutral","sentiment_score":0.04299383760768582},{"text":"They're trying to outperform the market.","start_word":1379,"end_word":1384,"sentiment":"positive","sentiment_score":0.43477970361709595},{"text":"And we do know over history that some investment managers can, some don't. Not they don't always do it. And, essentially, in order for them to outperform against the market, if we see, like, a large drop back in COVID, as long as that investment manager doesn't drop as far as the benchmark or the market does, and they've still outperformed it.","start_word":1385,"end_word":1446,"sentiment":"neutral","sentiment_score":-0.01202751323580742},{"text":"So it's very much it can be seen as a good thing, but it can also be seen as negative aspect. And, often, you pay a little bit more in fees to have those investments in your portfolio.","start_word":1447,"end_word":1484,"sentiment":"negative","sentiment_score":-0.38613536953926086},{"text":"Because having a look at things, so you're 51 at almost 52. Is that right? 50 Yeah. two in '50 March? '2 in March. Yep. Yeah. So because you are getting closer and closer to accessing sleep, so one of the other things I can look at if you're comfortable with is looking at maybe a portfolio that might be lower in fees, is more passively managed. So you're paying less, not having that active management component in there, often passive portfolios.","start_word":1485,"end_word":1566,"sentiment":"neutral","sentiment_score":0.1674889326095581},{"text":"They are tracking a certain index or the market as a whole, and they can outperform those active managers quite significantly just by participating in the what the market is doing. Did you want me to look at something a bit more low cost for you, a bit more passively managed if it's gonna provide greater benefit, hopefully?","start_word":1567,"end_word":1624,"sentiment":"positive","sentiment_score":0.4726592600345611},{"text":"Yeah. Yeah. The other thing we do have, if you're comfortable looking at, is over the last couple of probably about the last twelve months now, our investment committee have teamed up with BlackRock, so one of Australia's largest investment firms. And they actually have actually built what's called a separately managed account, which is the SMA. If we were to look at this product for you, all the underlying investments within there are fairly passive managed, but it essentially means that our investment committee along with the BlackRock investment team can make changes to the underlying investments more regularly. So say, if you were in that SMA product and say something happened with one of the underlying investors, like, what has happened with Ben along there, we could actually remove that investment without having to come and have that conversation with you. It sort of gives us a lot more control around what we can moving things to make sure that you're always invested correctly in the investments that are working. We can maneuver things when they're not working or, say, if market changes happen, we can, know, move more money to cash if we need to. And so it kinda gives our investment committee a little bit more control around maneuvering those investments for you to make sure things are working harder. But in saying that if you were then to log in to Netwealth or into your super fund as such, you wouldn't see the nine different investment options that you can see at the moment. You would just see the balance that you have and the SMA product that it is in. Are you comfortable with me looking at something like that to provide you with more sorry. To give us more access to being able to maneuver investments if it's lower cost for you, but knowing that you might lose a little bit of visibility there? Would that be okay with you, David? Or do you wanna see what investments you have? What's your preference? No. That sounds okay. Yeah. I don't really mind that. You have low fees.","start_word":1625,"end_word":1978,"sentiment":"neutral","sentiment_score":0.14032482374775207},{"text":"It'll be good.","start_word":1979,"end_word":1981,"sentiment":"positive","sentiment_score":0.39857006072998047},{"text":"Yep. Yeah. Absolutely. Now the SMA product is not available in Netwealth, so I will look at the super funds that it is available in. Essentially, what I'll do is I'll do the research with my team. We'll go back. It does take a few weeks to complete the research, but we'll update the advice document to reflect what we're recommending, the advantages, the disadvantages, and the risks involved. And then you and I can go through that together. You can take it away, have a really good rate of it, and then decide whether you're happy to take on those recommendations. Does that sound alright with you? Yep. That's fine.","start_word":1982,"end_word":2092,"sentiment":"neutral","sentiment_score":0.12738373009739695},{"text":"Yeah. Perfect. The good part of this is you're an ongoing client, so there's no initial there's no fees for the advice. It's just part of us making sure we're doing things correctly. We wanted to make sure we always pride ourselves on being honest.","start_word":2093,"end_word":2137,"sentiment":"positive","sentiment_score":0.427768349647522},{"text":"So letting you know that the market has there has been some things within your portfolio that aren't performing the way we wanted to. We've obviously gone back and reassessed things. We wanna remove it out, but we wanted to have the conversation with you Yeah. first. Okay? Yep. No worries. Perfect. All good. Has there been any changes since we sort of spoke last? Just sort of having a look. One of the things you had noted was that you were looking at purchasing your property. You had some savings and some inheritance you had received. Is that Alright. still a goal, or have you done that? No. No. No. It's still a goal, but at the beginning of next year, I will be moving from Broom down south to be with my newly partner. So me and her have decided Fantastic. to get together. So she's I'll be helping her pay her house off when, Fantastic. yeah, when we get down there. So yeah. So that's all Well, good.","start_word":2138,"end_word":2308,"sentiment":"neutral","sentiment_score":0.06610815972089767},{"text":"excellent. Well, congratulations. That is exciting news Cheers.","start_word":2309,"end_word":2316,"sentiment":"positive","sentiment_score":0.5671486854553223},{"text":"for you, and that'll be a very large move. You said Yeah. start up next year, so you got a bit of time ahead of you for organizing that? Yeah. That's it. Yeah. So about Yeah. twelve months. Perfect. So So yeah. helping her pay the house.","start_word":2317,"end_word":2363,"sentiment":"neutral","sentiment_score":0.13272607326507568},{"text":"That's lovely.","start_word":2364,"end_word":2365,"sentiment":"positive","sentiment_score":0.5310235619544983},{"text":"Do you still have around around about a 153,000 in savings, or has that amount gone up a little bit? It's gone up a little bit. So, yeah, it's it's still does it oh, it's actually it's about 148 now.","start_word":2366,"end_word":2405,"sentiment":"neutral","sentiment_score":0.10032503083348274},{"text":"So, yeah, it's all good.","start_word":2406,"end_word":2410,"sentiment":"positive","sentiment_score":0.4939409792423248},{"text":"Okay.","start_word":2411,"end_word":2411,"sentiment":"neutral","sentiment_score":0.24749651551246643},{"text":"Perfect.","start_word":2412,"end_word":2412,"sentiment":"positive","sentiment_score":0.423911452293396},{"text":"About a 100 Yeah. and 48,000. Yeah.","start_word":2413,"end_word":2419,"sentiment":"neutral","sentiment_score":0.09519130736589432},{"text":"Lovely. Perfect.","start_word":2420,"end_word":2421,"sentiment":"positive","sentiment_score":0.5087096691131592},{"text":"Yeah. Because I Lovely. do we had to had to dip into it a little bit because we went to Vietnam for Christmas and New Year. So, yeah, that was Yeah.","start_word":2422,"end_word":2452,"sentiment":"neutral","sentiment_score":0.1190054416656494},{"text":"fun. That sounds exciting. I've heard Vietnam is amazing.","start_word":2453,"end_word":2461,"sentiment":"positive","sentiment_score":0.4322517514228821},{"text":"Yeah. We we we did the whole country. So we started in Hanoi and went to Da Nang and ended up in Ho Chi Minh City for our last stop. Wow. Yeah. So, yeah, it was No. good. That's that's fantastic.","start_word":2462,"end_word":2502,"sentiment":"neutral","sentiment_score":0.10395564883947372},{"text":"Well, I'm glad you enjoyed the time.","start_word":2503,"end_word":2509,"sentiment":"positive","sentiment_score":0.45560067892074585},{"text":"And, look, you can always build your savings back up, but those memories are something you can't get back. And, look, you know, may never go back there again, so that is well worth the money spent, I would Yeah. say. Yeah. We're we're Yeah. looking at it in the next couple of years. So, again, so And we won't do the train trip. So we'll and just fantastic. see how that goes. Excellent. Other assets I have noted is your Prado. We had a value of about 26,500. Yep. Would you alter that value at all or still the same? Still the same. Still the same? Lovely. I've also got your smart loans down here. You had about 500 owing. Have you been able to reduce that or pay it off since July at all? I've got I've got one paid off, and I'm still working on the other one. Yep. Perfect. And how much do you have owing on that at the moment? I think it's 1,500. 1,500? Beautiful. Yeah.","start_word":2510,"end_word":2681,"sentiment":"neutral","sentiment_score":0.09652626514434814},{"text":"Lovely.","start_word":2682,"end_word":2682,"sentiment":"positive","sentiment_score":0.34555119276046753},{"text":"And then I've also got your contents. We had a a value of about 8,000 on that one. I'd probably keep that roughly about the same there for you. Yeah. Yeah. Yep. Yep.","start_word":2683,"end_word":2715,"sentiment":"neutral","sentiment_score":0.1400108364495364},{"text":"Beautiful.","start_word":2716,"end_word":2716,"sentiment":"positive","sentiment_score":0.6454752683639526},{"text":"And your rent, which is $7.60 per week when we last spoke, and it's all paid by your employer part of your salary sacrifice. Is that right? Yeah. Yeah. Yep. Yep. Yep.","start_word":2717,"end_word":2748,"sentiment":"neutral","sentiment_score":0.09301363676786424},{"text":"Perfect. Lovely.","start_word":2749,"end_word":2750,"sentiment":"positive","sentiment_score":0.6300745010375977},{"text":"So does this mean you'll be leaving your job and maybe taking another role when you move down south, or are you able to stay with the same employer? No. I'll be I'll be looking for another job. So as well. So Okay. yeah. But that's alright.","start_word":2751,"end_word":2797,"sentiment":"neutral","sentiment_score":-0.026881368830800056},{"text":"Perfect.","start_word":2798,"end_word":2798,"sentiment":"positive","sentiment_score":0.4612826704978943},{"text":"That's fine. Yeah. Yeah. Yeah. You've got a bit of time ahead of you to sort of get that sorted.","start_word":2799,"end_word":2818,"sentiment":"neutral","sentiment_score":0.08482275903224945},{"text":"That's absolutely okay.","start_word":2819,"end_word":2821,"sentiment":"positive","sentiment_score":0.3604008853435517},{"text":"When the time comes that you Yep. do get another job, do let us know. We can definitely also provide the employer contributions details form for you. And as we are updating the advice, we may have a new super fund to provide that information to you with. So we'll we'll update the advice to reflect now just noting that you do currently have this job, but, obviously, we know that things could change in the future there for you as well. Okay? Yep. No Yeah. Perfect. The only other thing I just wanted to double check was I know we did discuss your insure your worries. insurance levels back when you did your annual review there. You do only have that income protection policy noted with ClearView. Sorry. You don't have any life cover, so it does sort of mean that if in the event of passing away, it is only your super benefit that is paid out to your beneficiaries there. Are you still fairly comfortable not having life cover at the moment? Yeah. No. That's all good at the moment. Yep. Beautiful. And the same with disability with TPD cover. If you were TPD for any unknown reason, and not able to go back to work, if we do, not having any TPD cover as such means that we would have to claim permanent incapacity against your super. It does mean that you can access super on those pounds, and it is a taxable payment. But are you comfortable not having TPD still, not wanting to look at that at the moment? No. That's fine. No. That's fine.","start_word":2822,"end_word":3092,"sentiment":"neutral","sentiment_score":-0.03932938412711629},{"text":"Perfect.","start_word":3093,"end_word":3093,"sentiment":"positive","sentiment_score":0.5361770987510681},{"text":"And there's other insurances. We would have gone through trauma, which is held outside of super, and does sort of pay out a tax free lump sum benefit in the event of a certain, sorry, traumatic diagnosis. You're comfortable not looking at anything additional paid outside of sleep. Are you happy just with the income protection you have? Yeah. Yeah. Yeah. No. That's fine. Yes.","start_word":3094,"end_word":3158,"sentiment":"neutral","sentiment_score":0.048352666199207306},{"text":"Beautiful.","start_word":3159,"end_word":3159,"sentiment":"positive","sentiment_score":0.4890684187412262},{"text":"And income wise, I have you earning you're on about 67,100 at the moment. Is that still the same, or have you been lucky enough to get an increase on that? I wish, but not still the same. $67,100? Oh, Yeah. well, hopefully Although soon. yeah. They reckon we're getting one, but I don't know. I'll do well, when we get it, we get it.","start_word":3160,"end_word":3224,"sentiment":"neutral","sentiment_score":0.061716362833976746},{"text":"So it's it's all good.","start_word":3225,"end_word":3229,"sentiment":"positive","sentiment_score":0.33553096652030945},{"text":"Yeah. That's okay. That's alright. Fingers crossed there for you. It does look like at the moment you are just slightly over insured. That is only by a very small amount. You are paying about $1,800 for that policy out of sleep at the moment. You're happy to keep that level as it is? Yes, ma'am. Yeah.","start_word":3230,"end_word":3286,"sentiment":"neutral","sentiment_score":0.11390261352062224},{"text":"Perfect.","start_word":3287,"end_word":3287,"sentiment":"positive","sentiment_score":0.47950321435928345},{"text":"Knowing that things could definitely change, so we'll just sort of wait and see and keep up to date with you. Obviously, early next year, we'll make sure we do a bit of a catch up. And you do have an annual review due before then as well. So we'll make sure Yep. we catch up and check-in with you to make sure everything's going okay. No worries. And just double also double checking your beneficiary information as well. So in the event of passing, where did you want your super benefit to be paid to? It looks like I just don't have a beneficiary nominated on file at all. Yeah. That that will change because when I get down there with my partner, then we'll put we're gonna be putting each other on on ours on both of ours Yep. Okay. if that's yeah. That's okay. That's okay. So did you wanna I mean, you can nominate her beforehand if you are comfortable doing that. Did you want her nominated on there before you move down, or is it something you'd not like So to do until you do move in together? yeah. No. That's we've already talked about, and that's something we'll do when we're moving together. Okay. Because No she's worries at she's all. still got a because she's separated from her husband, so she's still doing the Yeah. divorce and stuff. So she Okay. doesn't wanna make any changes until she so that ends gets him out of her life. So Yeah. yeah. Completely understandable. There's a lot Yeah. going on with divorces, so not a problem at all. Yep. Easy. And having a look, I don't have sorry. I don't have any dependents. You don't have any kids at all? No. No. That's okay. And I have your next of kin noted as Carrie Aiken. Do you mind if I ask who Carrie is? That's my mom. It's your mom.","start_word":3288,"end_word":3612,"sentiment":"neutral","sentiment_score":0.05069053611216637},{"text":"Perfect.","start_word":3613,"end_word":3613,"sentiment":"positive","sentiment_score":0.4581853747367859},{"text":"Do you happen to know her contact phone number off my heart? I just don't have a phone number for her, Dan. Sorry. If you don't, that's okay. Yeah. No. No. I don't. But when you text the the ID three, Yep. I'll attach it.","start_word":3614,"end_word":3658,"sentiment":"neutral","sentiment_score":-0.03485686331987381},{"text":"Beautiful. I'll get that sorted for you after the call. Lovely.","start_word":3659,"end_word":3669,"sentiment":"positive","sentiment_score":0.5460813045501709},{"text":"Yep. Well, look. What I'll do is just to kinda recap is I'll go back and I'll with my team, they will do a bit of research around the different portfolios, definitely look at the SMA and different super funds to make sure we can, you know, hopefully, lower the cost of fees and provide a greater benefit for you. We'll update the advice and come back and show you what that looks like. In the meantime, if you find you have any questions with regard to any of that, please let me know. I do have a lot of advice at the moment, so it will take me a couple of weeks to put that together. But as soon as we have it together, I'll get the team to touch base and book you in to go through it with you. Is that okay? Yeah. That's fine. Yeah.","start_word":3670,"end_word":3818,"sentiment":"neutral","sentiment_score":0.19010967686272304},{"text":"Beautiful.","start_word":3819,"end_word":3819,"sentiment":"positive","sentiment_score":0.6025903820991516},{"text":"Is there anything else that might be important to sort of touch base on at the moment there at all, David? Is that we've sort of hit all the points for the day? No. I think that's, yes, I think that's about Yeah.","start_word":3820,"end_word":3862,"sentiment":"neutral","sentiment_score":0.10382714867591858},{"text":"Beautiful.","start_word":3863,"end_word":3863,"sentiment":"positive","sentiment_score":0.4232214093208313},{"text":"Have you got the rest of it. the day off, or are you working today? No. That's it. Tomorrow afternoon's gonna be, like, clean up the house and taking my dog down to the beach. Hopefully, Beautiful. it stops raining. Yeah. Oh, it's raining. I'm so sorry. That's Yeah.","start_word":3864,"end_word":3912,"sentiment":"neutral","sentiment_score":0.0067894537933170795},{"text":"a shame.","start_word":3913,"end_word":3914,"sentiment":"negative","sentiment_score":-0.4148108661174774},{"text":"Well, I'm in Broome. I'm in Broome, so it's our wet season now. It's We just got a tropical yeah. low hovering over us for the last couple of days, and it's absolutely Wow. just bucketed down. Well, So hopefully, yeah.","start_word":3915,"end_word":3955,"sentiment":"neutral","sentiment_score":0.05369804799556732},{"text":"that clears, and, hopefully, you can enjoy your your days off. At least it's a good day.","start_word":3956,"end_word":3972,"sentiment":"positive","sentiment_score":0.3959314823150635},{"text":"Whether it's raining, it's a good day for a bit of Netflix and a bit of veg. Yeah. That's it. Yeah. Or Xbox on the other.","start_word":3973,"end_word":3998,"sentiment":"neutral","sentiment_score":0.1922089708252595},{"text":"Absolutely. Well, you enjoy your time off. I'll get cracking on that research.","start_word":3999,"end_word":4011,"sentiment":"positive","sentiment_score":0.7042661905288696},{"text":"If we do find we need anything additional, I'll touch base and let you know. If you No find worries. you have any questions, let me know. We'll also send through an email with the information for the ClearView policy for you, and I'll get the team to text you asking for ID and to get your mom's phone number for a a next of kin as well. Okay? Yep. No worries.","start_word":4012,"end_word":4083,"sentiment":"neutral","sentiment_score":0.2074769288301468},{"text":"Cheers. Thank you for your time. You have a wonderful day. I appreciate you taking my call. No worries. Have a good day as Thank you. See you later.","start_word":4084,"end_word":4112,"sentiment":"positive","sentiment_score":0.6935009360313416},{"text":"Bye. well. No worries. Bye. See you.","start_word":4113,"end_word":4119,"sentiment":"neutral","sentiment_score":0.1851605772972107}],"average":{"sentiment":"neutral","sentiment_score":0.11351832191733442}}}}