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Is now a good time? Yeah. Fantastic. How has your day been? Yeah. Monday, up and done with. All good, Steven. Before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Beautiful. And just to do security there with you as well, we are discussing your personal information. So I'll just get you to confirm your full name, date of birth, and address I should have on file for you. Yep. Date of date of birth. Sorry. Beautiful. Lovely. Steven, to sort of run through things, I know we do normally send through your annual review documents. I've had a little bit of Internet trouble today. So I'll go through everything with you and provide an update, and then I'll get my admin team to email those AR documents through to you within the next sort of twenty four hours. Is that okay? Yeah. Beautiful. All good. Sounds like you're getting ready to cook dinner. Nice. You've done well. If you need me to stop at any point, just let me know, but I'll try not to take up too much of your time. Okay? Fantastic. All good. So just wanted to sort of run through and give you a bit of an update on where things are at the moment as well. But before we jump into the annual review properly, is there anything that you wanted me to sort of touch base on? Any sort of questions you had that you would like to maybe have me touch on? Yes. Yes. Yes. Yeah. Correct. So we have retained the CareSoupa to retain to stay open because it does have your insurances in place there at the moment. So we are retaining CareSleeper as well as having hub 24 so that you do have a level of cover. Sorry. I'm just my colleague just got off the phone to be able to do the research with them. It has been a little bit tight to get that information, but sorry. Might give me one second. My computer's a little bit slow for Monday afternoon. Gotta love technology when it wants to work. The statement. The most recent statement we have. Yeah. No. That's absolutely fine. So, yeah, so we do have majority of your funds in Hub, but I think when you came on board, one of the things that they did discuss with you was just with your health. You were prediabetic, so it did make getting new cover quite expensive. So they have retained the Care Super to retain the life and TPD components. It does, unfortunately, mean that you don't have any income protection. So it does mean that in the event that you're not able to work, there is no monthly benefit to fall back on. But it does mean that we're having a life cover there, that if anything was to happen, that you do have some life cover, plus you're super to be paid out to your beneficiaries. And it looks like you've got some TBD there as well, so total permanent disability, which can pay out a lump sum benefit or an income stream in the event that you're unable to go to work again due to being totally permanently disabled. Yeah. Oh, good. I'm just trying to double check the amounts that we have here for you. As of the first the first so the January 30 this year, the amount of life that you had in there was a 124,500. And with the TPD, the amount you have was about 83,000. So, realistically, with TPD, if you are to be TPD, there is tax that can be paid on the TPD benefit amount. It is, unfortunately, up to 22%. I personally do disagree. I don't think I think if you're permanently disabled and not able to work again, the last thing the tax man should be getting is up to 22% of your TBD claim. But we can also claim permanent incapacity minimize the tax as much as possible and to get the maximum benefit, whether it be keep it invested and draw down a regular income. And there's a few little fun fancy things that we can do to help minimize the tax on that as well for you. Okay? Yeah. How's everything been going work wise? I had it down here that you were working in sales. And last time we spoke well, I'm so sorry. It was about 2020, like, 2024. You were still on probation, but you had that new role. Are you still in the same role you were last time we caught up? Perfect. Yep. Perfect. Lovely. And that's a Bob Jane team. Is that right? Yep. Perfect. And how's everything going? You're still enjoying the role? Yep. Fantastic. Income wise, have they given you a pay rise? I'm sure you're worth a lot more than you're on back in 2024. Oh, fantastic. We had 85 down here, so that is good to see. So 92,000? Beautiful. And do you get regular bonuses or commissions or anything on top of that at all? Yes. Perfect. Yeah. Lovely. 10,000 per year. Excellent. Fantastic. And are you managing to put much away in the way of savings at the moment, or is everything going towards the bills and expenditure? How's everything looking that way? Yep. Fun. Yep. Yeah. And and the renovations. All good. What a way you're about to be renovating first? What's the what have you started on? Yep. Yeah. Perfect. And your property that you have there, we had that valued last year at about a million dollars. What sort of value do you put on the property now? Have you sort of looked at that or had it valued? Or no. That's okay. Would you like, if the other way to look at that is if you were to sell the property tomorrow, what would you want for? What value is it to you? Would you sort of keep it at that million dollar mark, or do you think you might alter it? Yeah. Okay. Perfect. 1.2 to 1.3 after the renovations. Lovely. And what's the time frame if you're giving yourself that you're hoping to have those completed by? Okay. Perfect. Are you on track? Or Yep. Oh, nice. And are you on are you taking time off to do that, or you'll still be working? Yeah. Perfect. Well, I hope it all goes well. I know renovations can be very testing, but, look, it can be really rewarding once it's done as well. Fantastic. We had the loan there for the property at about 375,000. Have you managed to reduce the loan a bit since then, or have you increased Yep. Lovely. Do you know roughly what it might be at the moment? Yep. That's okay. Perfect. Even this estimate is completely fine. Not a problem at all. Other assets I had noted here was your Ranger. You had an asset value of about 16,000 on that one. What sort of value would you put on your car at the moment, do you think? Yep. That's okay. And no debt on that one. I've got here you own it outright. Yeah. Beautiful. Contents is roughly valued about 80,000. Is that right? Yep. Perfect. And I've got some tools here with some value as well. I have a value on those of about sorry. I believe it might be 2,000. Is that right? Yep. Yeah. Yep. That's okay. Perfect. Is that back from kind of your landscaping days? Yeah. Perfect. To tell you what, I have a lot of, I think very highly of landscapers. I'm giving a landscaping a go on my property in my backyard. It's taking a long time to do, but it's kinda fun. It's very hard work, though. Very arduous on the back and the legs. Yeah. No. Absolutely. Well, what you're doing now sounds really cool. Oh, fantastic. Thinking forward, now I'll give you a bit of run through on what your super doing and kinda how everything's been going there for you. We have seen some ups and downs. I know just before we kinda did touch on the fact that you're sorry. We do have your care super open. So that was kept open initially for the insurance component. And, realistically, we only wanna we only wanna keep around about 10,000 in there, but we do wanna make sure your contributions continue to go into CareSoup. And then at review time every year, we do wanna do a regular rollover. What I would like to do, if you're comfortable with, I'd like to go back and just update the advice for you. Just reevaluate the investments within CareSoup and Hub twenty four, make sure everything's in line with your risk profile, which we'll check shortly, and just maybe make sure everything's working between the two funds, look at what's happening there. But with your Hub twenty four sorry. My computer's thinking about it there. I did just pull up a a statement to have a bit of a look. So in the last twelve months within Hub twenty four, your portfolio has increased by 8.24, which is really good to see. It's a it's an increase in the last twelve months, and that's just solely what your portfolio has been doing because without contributions going in, it's really just making sure that portfolio is working on its own. So it has that's done really, really well for the for the year, which is fantastic to see. When I have a look at the individual investments sorry. So when I look at the individual investments alone, everything is up. The only one I'm sort of concerned about is the Bennelong Australian Equities. So when that was originally recommended to you as part of your advice document, Bennelong has done really well all the way up until essentially mid last year. Late last year, early this year, we have seen some changes. So Bennelong has, unfortunately, one of their underlying investments, Corporate Traveler, was being a bit dishonest to the market there. As public companies do, they have to report to the market. Corporate traveler reported the discrepancies, and it meant that Benelongs had to go back and reevaluate that portion of their investments. So whilst you've received an 8% return, which is fantastic, and your portfolio is up overall, then along is down a little bit. And we've sort of reevaluated that as an investment, and I'd like to actually remove it from your portfolio and put something else in its place. We wanna make sure that we're removing any underperforming investments to keep things working harder for you and replacing them when we do need to. You are comfortable with me going ahead and doing that for you? Yep. Perfect. What we are sort of looking at now, I know this was placed in there as a bit of a and more of an actively managed fund. But what we are sort of replacing it with is more of a passively managed fund. We are sort of looking at still keeping the Australian exposure for you because it's important to have that, but looking at investments to put in its place, which might be more passively managed, that essentially means that they track a market index and start to outperform the market. It can sort of help just reduce some of the risk level that you are taking there. And when you look at active managers versus passive managers, just being in the market and tracking an index, you tend to do better over the longer term. Some of these active managers that are trying to outperform the market, they often don't beat the market. And, realistically, when you look at all the different active managers, most of them don't outperform the market on a regular basis. So we could just kinda wanna replace that with something a bit more low cost to make sure we're reducing the risk level where possible, but also make sure that we're removing those underperforming investments. Does that make sense? Yeah. Beautiful. Beautiful. Now having a look at your age as well, because one of the important things to look at is when you're hoping to retire, I've got Hina you're 46 this year. Is that right? Yep. Beautiful. What age are you sort of hoping you'd like to be able to stop working and maybe access super? Yep. Do you think you're more likely or hoping to at 65, or do you think you're more likely to probably work a bit longer? Yeah. Yep. Yeah. That's okay. Not a problem at all. So when we did go to update the advice, you know, the last advice piece you were given, we would have sort of shown you right up into the age of retirement what the projected outcome might look like, which always looks beautiful that long away. But what I'll do is I'll only update the advice to reflect the next ten years for you. It kinda gives us an idea of where we're tracking the next ten years, and we're working in ten year lots. So we know that in the next ten years, a lot contains in your life. I don't wanna project twenty or thirty years out because a lot there's too many things that could change in that in in that time frame. So I wanna make sure as we're kinda working towards your goal that we're doing it in lots of, you know, ten or fifteen years, and then we sort of update that every couple of couple of years to make sure we're staying on track and updating things more regularly for you. Does that make sense? Does that sound okay with you, Steven? Yep. Perfect. You're welcome to stop me and ask any questions you have. I know I'm probably the happiest person to ever talk about super. But if you have questions or want me to break anything down more for you, please do let me know. Okay? Beautiful. Now one of the other things that's really important is looking at sort of this the tax consequences inside your super. Because just like you do it and then your tax return with your accountant, your super does a tax return for your super every year as well, all the the trustees and the accounts. So the super fund do a tax return every year for your super. So one of the things I can look at is definitely looking at just replacing that Better Long Australian Equities with something else and maybe limiting the tax consequences of it that way for you. But the other thing I just wanted to also sort of bring up was that, recently, our our investment committee along with our BlackRock's investment committee, and I'm not sure if you've ever heard of BlackRock before, but one of Australia's largest investment firms, we've actually joined together and built what's called a separately managed account. An SMA is essentially an investment product, a bit like what you've got your funds invested in. And you'd be if you wanted to go look at this as a product, you would be in the Oakview SMA. But in that on SMA, you actually have anywhere between 20 to 50 different investment options. The benefit to having an SMA is that when things like what happened with Bennelong occur, we can actually remove those underlying investments quickly and easily without having to update advice there for you. The downside to having an SMA is that you can't see all the individual investments that you're invested in. All you would see is your balance and that you're in that SMA. What I would like to find out is would you be open to looking at something like that if it's gonna provide graded benefit, or would you like to see the way your investments are structured? What's more preferable to you? Yeah. Yeah. Yeah. Perfect. Well, I promise I will look after you. Yeah. Yep. Yep. That's okay. Not a problem. Well, you can use me to the full advantage. I can go back and look at all of those options for you, look at the tax consequences. I can look at the cost of it. And then I can update the recommendations to reflect which way I think we should go, and I can show you the reasoning, the cost, the CGT, all of the things around that so you can, let me know what you're comfortable with. Does that sound okay? Yeah. Beautiful. I'll do all that research there for you, and I'll update their advice document to reflect. I know you do have a bit more in CareSoup, but we'll retain CareSoup the way it is for the moment just until I update the advice document. And in that, I'll also look at the investors within CareSoup before you just see whether we need to alter those or whether you're invested correctly there. Okay? Perfect. Now a couple of other questions just to kinda gauge on your risk level and where we are and what you should be maybe invested in. Having a look so sorry. My throat's a little bit sore. I do apologize that I keep pausing. Just with the so if you looked at your sleep over the next sort of six months to twelve months, and you sort of found that it had fallen, whether it'd be 10%, twenty percent, how do you think you might be feeling about that? Yeah. Yeah. Do you think you'd be wanting to put more money in to try and get take advantage of the TIF, or do you think you might just be wanting to hold and wait and let it recover and maybe talk to us at the time? How do you think you might be feeling? Yep. Yep. Beautiful. Fantastic. When you think about your super, do you feel comfortable taking on a higher level of risk to try and get greater potential returns, or do you feel a bit more risk averse with the ups and downs that we're sort of seeing at the moment? How do you feel about risk in the market? Yep. Yeah. Yeah. Perfect. So you're comfortable taking on a a moderate to medium amount of risk. You wanna get the best returns you can, but not wanting to just go all in. Yep. Yep. Perfect. Lovely. And am I right in thinking you're trying to sort of get the best returns you possibly can out of your sleep, aiming for the the sky's the limit there to get you super working as hard as possible? Yep. Perfect. And just sort of thinking about investing as well, have you ever owned direct shares or managed funds in your own name at all? Nope. That's okay. Beautiful. And do you think you'd ever be open to the option of maybe borrowing money from a financial institution in order to invest, or it's something you wouldn't wanna consider? You'd only borrow for, say, property? Yeah. Yeah. Okay. No. That's okay. Well, if you ever do wanna talk about investing outside of super, please give me a call. Let me know. As part of us, we are a financial adviser, and I can give you advice on other areas, not just sort of looking at super. We start with super insurances because that's kind of we're working towards your retirement goals and and having the insurances that'll protect your lifestyle. But if you wanted to talk about investing outside of super, we can also provide advice in those areas for you. We have mortgage brokers that you can talk to if you wanted to have your mortgage reevaluated as well. So feel free to give us a call. Let me know if there's any questions you have. If I can ask them or give advice, I will. If I can't, I can refer you through to someone who can help you. Okay? Yeah. Not a problem at all. Now I've just done that risk profile questionnaire with you. How you have scored is more of a growth investor. So you are in that kind of growth environment at the moment, and, generally, this sort of investor sees about 80% of their super invested in growth assets. So you're thinking about things like Australian shares, international shares, some listed property, and also some commodities like gold and silver there as well. The other 20% would be, you know, slower risk kind of defensive investments, the things like cash, bonds, and fixed interest. This is by no means at the top of that investor scale. You're kind of midway at the moment. Do you feel like you're comfortable staying in that kind of area, or would you wanna maybe look at evaluating that? Yeah. Yep. Yep. Beautiful. To give you a bit of an idea with that growth sort of environment there, it normally suits someone who has at least six years before they're needing or wanting to access their their money or their super, so you do kind of have that time horizon for it. With the way we see the investments going with that growth portfolio, we are aiming for about a seven to 9% return on an annual basis compounding that forward. But we do understand because markets go up and down, we can expect a likelihood of a negative return sort of one in every five years. Do you feel you feel comfortable with that if that's okay? Yep. Beautiful. And you've got lot a lot longer that that 60 time horizon ahead of you. We can't actually access super to 60 at this point, so we've got a lot of working life ahead of us. And I'm almost the same age as you, so don't worry. I'm in the same boat. Yeah. No. That's perfectly fine. Well, I'll I'll look at the growth portfolio, look at the investments between the two, do the research rather to sort of see what we have got and what it looks like for you. And I can update the advice to reflect. Just so you are aware, Steven. All the advice that we do provide, because you're an ongoing service client, you pay us an ongoing service fee. So that fee is 1.65% per annum. It is calculated and deducted out of your super on a smaller monthly basis. And the idea of that as a percentage based fee is it fluctuates with the market. So when the market's doing really well, when you're getting really good returns, it does mean that we earn a bit more. However, if the market was to take a bit of a dip due to the market fluctuations or what we are seeing, it means that our our fee does go down with it. So having a percentage based fee does mean it is linked to the performance of your super there as well, which is a matter of it. But part of that is making sure that we're updating the advice for you. So there's no Yeah. Yeah. But we shouldn't be earning the same amount regardless of what's happening to your super. I know there are advisers that do, like I said, dollar figure fee, and that means that they're making the same amount every year or every month regardless of what your super is doing. So Savvy and Bart, when they set up, oh, you were all about the client and making sure that we're earning money, but we don't wanna be earning the same amount every month regardless of what your portfolio is doing. It's kind of making sure that things are working, and we know that markets go up and down. We expect those most market fluctuations. And so when the market is taking a dip, we our fee should take a bit of a dip with it as well. So that's why the the fee structure was set up that way. Okay. Yeah. Perfect. We did kinda touched on just before as well with the insurances. Now they have been sort of set up and left in care so far, and you've got the life and TPD component there. You don't have any income protection or trauma cover. I know given, you know, you before you were prediabetic when you came on board originally and just with your height and weight and your circumstances health wise, it was gonna be very expensive and difficult to get no cover. If in the event that you were not able to go to work, do you have much sick leave, annual leave, or long service leave, or savings to sort of fall back on? How would you sort of cover your expenditure? Yep. Yep. Okay. Okay. Okay. Perfect. Oh, lovely. So it's a family home. Is that owned with your siblings? Or okay. Perfect. And what portion of it is yours? Mhmm. Yeah. So when he passes away, that'll probably get sold off and then divvied up between all of you? Yep. Yep. And sold later down the track. Lovely. Oh, and do you get to see your dad very often? 80 three is good. Yeah. Oh, that's lovely. Beautiful. And it's in so it's owned in that. Is your dad owns a share of it as well? Yes. Yes. Perfect. And then each earn a third of that. Perfect. I'll just make some notes here. And then when sold, you get a third each. I'm glad you get to spend some time with your dad. Really important. I'm taking my kids to ever see their great grandparents or great grandmother in a few weeks for Easter, and she's 86. So it's pretty cool. Yeah. It's important to have those memories. Yeah. Beautiful. Speaking about kids, I've got down here sorry, that you do have a child or a financial dependent at home. Do you have any kids at home? Just the one daughter? Lovely. How old is she? Oh, beautiful age. School next year? Yep. Yep. Oh, that is a beautiful age. That's fantastic. And I've got down here that you are married as well. No changes there at all? No. Beautiful. And so I don't have your wife down here as your next of kin. Is it Bonnie? Yep. Lovely. Do you happen to know her contact phone number off by heart at all? Yep. Yep. Four nine eight. Beautiful. Thank you for updating that. I do appreciate it. And also having a look here, it looks we don't have any beneficiaries on file for you. So if in the event that you were to pass away, is there any particular direction on what you're wanting to happen to your super and the life insurance that you do hold within CareSoup? You wanna alter Bonnie? Not a problem at all. It is really important that we have the beneficiaries completed. We're happy to prefill them and help you out prior to sending them to be signed. Are you comfortable with us filling it out with Bonnie's details? Yeah. Lovely. And her name is spelled b o, n n, I e. Is that right? Beautiful. And surname I have for Bonnie is Carter? Lovely. Same address. That's all fine. Can I grab her date of birth as well if possible? Yep. 1987. Beautiful. And I'll put down here she's spouse. Lovely. So we can certainly provide that assistance. If you like, we can prefill those forms, then we can send the beneficiaries to you just to get you to sign and have them witnessed. If you send them back to us, we can make sure they're applied so that, like, if in the event something was to happen, it just makes the claim process much easier for Bonnie there as well. Okay? Beautiful. I also have mentioned that he was too. It's really important if you can just let her know that we are your financial advisers, and just maybe have our contact phone number somewhere. We can send you, like, an updated fridge magnet or something just for that contact information. So we hope nothing happens. But if in the event something was to happen, she could just call us, and we can certainly help with the with the process of going through the the claims details there to make life easier on her in that situation as well. Okay? Yes. Beautiful. I think I've got most of everything here. You're not making any salary sacrifice or additional contributions. It looks like the super is just what your employer is putting in at the moment. Yeah. Beautiful. And, you know, sort of wanting to at the moment, you're maybe down the track. Is that right? Or Easier. Yeah. Absolutely. Not a problem at all. And do you have any other goals that you're sort of looking to achieve down the track there at all? Yep. Yep. Yep. Perfect. And you're happy with the life and TPD amounts that you have? You're not sort of wanting to go out there and try and get more expensive cover at all? You're sort of happy with the level of cover you have? Yep. Yeah. No. That's okay. That's all good. The other sort of insurance I do have to talk to you about, I'm not sure if anyone's explained what trauma cover is. Has anyone given you a diet or talked to you about trauma before? Yeah. It covers you for things like a heart attack, a stroke, certain neurological conditions. It is an out of pocket expense, and I you said money is a little bit tight with with everything going on there. Did you wanna look at trying to get anything out of pocket, or are you happy just to keep it as it is for the moment and we maybe assess it down the track? Yep. Yep. That's okay. Another really good idea is when's and another sort of thing I look at because we have insurances sort of protect us in the event that something happens, but there's always that that risk that we pay for those insurances on a regular basis, but that we never actually claim. And then we pay those premiums for nothing. So another sort of way to look at it is we can always build and try to build investments out of side of super down the track when you do have a bit of spare cash flow and maybe you wanna incorporate your wife into the conversation. We can always look at what you have available to you, maybe setting up investments in your own name outside of super and kind of building that as well. You're building wealth that you can access prior to you wanting to retire. But it also means that you can be sort of closing that gap with regards to insurances down the track there as well. So feel free to kinda keep that in mind, and if it's something you would like to talk to me about, I'm more than happy to make that time, and we can, you know, look at what other things we can do. Yeah. Perfect. Perfect. I just wanted to double check also just with the any changes to your house. Do you know what your height and weight roughly is at the moment? Yep. Yep. Yep. Ninety six. Beautiful. Yeah. You have. Definitely. Because I mentioned before that you when you came on board, you know, you're pre diabetic. But, realistically, have you been able to reverse that with the changes you've got there? Mhmm. Okay. Yeah. That's the worst time to see a doctor. Yeah. Perfect. I love that. Yeah. Yep. Yeah. That's okay. That's alright. You gotta enjoy those as well. It's, you know, Christmas is an important important time to engorge yourself on food. I did the exact same thing. I probably drank too much too in all honesty. So it was probably good we closed for two weeks because I needed that to recover. But, no, I've just sort of had a look. So with your height and weight, your BMI is around about thirty point zero three. So when insurances or when insurers look at whether they're willing to offer cover to a client, Obviously, your health goes into play there as well, but the other factor is your BMI. It's your body mass index, and it's a combination of your height and weight. The higher your BMI, the more pressure there is on your heart, so the more risky become for an insurance company. But with your BMI at the moment, whilst there could be a bit of a loading applied, if you did down the track wanna look at maybe getting new insurance cover, I would absolutely be able to look at that for you to see what might be on offer. It could be a little bit more expensive than what you have at the moment, but insurance cover could be offered. Absolutely, I dare say there'd be a contract offered, and there might just be an exclusion or a loading depending on what else might be in your health history to look at there. Okay? Yeah. If they do come out and say, hey. You do have diabetes, type two diabetes, it's harder to get insurance for. Generally, they want to, if you're a diabetic, to have been diagnosed a few years ago just because the longer you've had it for, but the more controlled it is, the better the contract can be offered. Anyone with prediabetes, I've I've still seen contracts offered. It's more just wanting to find out more about your health, get updated blood results, and blood pressure, and things like that. And then sometimes there's a bit of a loading on there. It can be about 50 to a 100% depending on other factors, but it does often mean that that an insurance contract can still be covered with the cover you have with CareSoup at the moment, because it is more or less it's not like a retail fund where they've done the application at the beginning. It's more of a group cover. So you sort of pulled in and and added to a larger pool of risk. You sort of lumped in there with lots of other people. Some people don't have loading. Some might be scheduled for loading, but they spread that risk level across all of the members there. And they tend to underwrite the policy at the time of claim. But because you've had that policy enforced for longer, any changes don't seem to make much of a difference, and it can be easier to claim on those sorts of policies as not normally loading to exclusions that needs to be applied to them. So retaining that cover for now is is plenty fine. But if down the track, if you wanna talk to me more about insurance and kinda get an idea for what you might be able to get, I'm more than happy to do so for you. Okay? Yeah. That's okay. I just wanted to make sure I'm giving you a bit of information, kinda giving you some updated on what we sort of see and where we can kinda go. But, you know, you're doing really, really well and keep it up. Because at the end of the day, it's not about the insurances. It's more important for you to be around for your kids. So yeah. Yeah. And are you finding you're feeling a lot better? Yeah? Beautiful. I love that. That's beautiful. Oh, that's really fantastic. Good to hear. And you go due to go back to the doctors again soon. Hopefully, they've got some more really great results there for you. Yeah. Perfect. The other thing here is looking at the estate planning side of things as well. Have you done up a will, had a power of attorney? Have you and your wife sort of spoken about doing those in the past? Yeah. That's okay. As part of updating the advice, I will recommend speaking to a solicitor and having a will and power of attorney done up. It is really important that those things do get done whilst your beneficiary nominations look after your super and your life insurances. Everything outside of super that you've worked is just hard for us, your tools, your cars, your contents, your savings accounts, and your house as well in the event something was to happen to you and or and your wife that you have it directed correctly. But the other thing to consider is a guardianship as well because you do have your young precious daughter there. And if anything happens to both of you, you wanna make sure that you've decided where what happens to her, who looks after her, and making sure everything is in place to make sure she's looked after moving forward as well. So there is a few few really important aspects that to consider, and I'll put that into the advice document to help reflect for you if you like. Okay. Yeah. Beautiful. Other than that sorry. I'm just looking. There's sort of nothing else to check on. Everything's kind of all okay. You've got a lovely 8% return. Things are working really well with your super, but I'll go back and reevaluate things. I can work on an age 65 to retirement. That way, you get the option to work longer if you wanted to. I'm by no means gonna tell you you have to retire at that point, but it gives you the option to if you decide you don't wanna work any longer. Okay? I mean, if we won lotto, we'd all be out tomorrow. I can also look at retaining just the life and TPD you have at the moment. We'll scope out the income protection and the trauma, but we can always look at that down the track if you're comfortable to do so. Just wanted to update as well, if it's okay. Your wife, does she you said that she works and she's earning good money as well. What is she averaging? Do you know what her income normally look like? Okay. $1.70? Perfect. So she's on a very good income. That's excellent. So about 170,000 per year. Lovely. Lovely. What does she do for work? Yep. Perfect. Excellent. Lovely. No. Well, that's really good. So, I mean, if anything happens given your income is obviously less than hers, if you weren't working, she'd still be okay for covering the bills and helping out a bit. That would sort of yeah. Perfect. Perfect. Lovely. Well, have I sort of touched on everything that you were sort of after? Is there anything else that you wanted me to to ask me or for me to touch on while you've got me here at all? No? Oh, fantastic. Lovely. Well, I'll go back and do some research there for you, Steven. If there is anything additional that we do need, I'll make sure we contact you. Oh, actually, I do apologize. I almost forgot. My beautiful admin team let me know that your ID has expired on file. If we send you a text message shortly, are you able just to reply back to that with the back and front of your photo ID just so we keep our records to date? Perfect. I'll get that text message done shortly for you. Beautiful. And how are you performing our services at the moment? Yep. And oh, fantastic. Thank you. Oh, fantastic. Well, one of the other thing that we'll probably ask and one of the things that's really important to us is, as a business, we are growing and word-of-mouth is really important. So, if it's okay, my admin team will also just pop down and send you a link to the Google review if you're able to and would like to. If you can pop just a review on our website there. It doesn't matter what it is. It can be one word. It can just be a five star review or, you know, however stars you're comfortable with. It's just really important to keep that keep that sort of growing if that would be okay with you. Would that be alright if we sent that to you as well? Yep. Beautiful. Thank you so much, Steven. Now I'll get cracking on this research. I'll get those texts sent out to you shortly. It'll come from my beautiful admin team member, Michelle. She'll also send out your annual review pack in the next twenty four hours for you as well. But if you need anything, you're welcome to let me know. My name is Dana. I'll be doing your research and all the advice moving forward to help you as we work towards your goals there. In the annual review pack in case we haven't spoken before, we'll also be our finance services guide. And in that, it's got all the information on me, who I am. It's got a lovely photo of me as well, a bit glossy and and all done up. So you're welcome to run your eyes over that. And my registration number with ASIC is in there as well, which is one three zero four three nine four. So you can get a bit more information on who I am as an adviser. And if you find you have any questions at any time, you're welcome to let me know. Okay? Beautiful. Thank you so much. Yeah. Absolutely. Most definitely. I'll get that sorted. Thank you so much for your time today. I'll let you go to enjoy your dinner, but thank you for your time. I really appreciate it. No worries. Thanks, David. Talk to you soon. Thanks. 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Steven. This is Dana from OQ Financial. How are you this afternoon? I'm very well. Thank you.\n\nThank you for asking. I had you booked in to go through a bit of an annual review with you. Is now a good time? Yeah. Fantastic.\n\nHow has your day been? Yeah. Monday, up and done with. All good, Steven. Before we jump into the call, just to let you know, we do record our calls for quality and training purposes.\n\nAre you happy for me to proceed with that? Beautiful. And just to do security there with you as well, we are discussing your personal information. So I'll just get you to confirm your full name, date of birth, and address I should have on file for you. Yep.\n\nDate of date of birth. Sorry. Beautiful. Lovely. Steven, to sort of run through things, I know we do normally send through your annual review documents.\n\nI've had a little bit of Internet trouble today. So I'll go through everything with you and provide an update, and then I'll get my admin team to email those AR documents through to you within the next sort of twenty four hours. Is that okay? Yeah. Beautiful.\n\nAll good. Sounds like you're getting ready to cook dinner. Nice. You've done well. If you need me to stop at any point, just let me know, but I'll try not to take up too much of your time.\n\nOkay? Fantastic. All good. So just wanted to sort of run through and give you a bit of an update on where things are at the moment as well. But before we jump into the annual review properly, is there anything that you wanted me to sort of touch base on?\n\nAny sort of questions you had that you would like to maybe have me touch on? Yes. Yes. Yes. Yeah.\n\nCorrect. So we have retained the CareSoupa to retain to stay open because it does have your insurances in place there at the moment. So we are retaining CareSleeper as well as having hub 24 so that you do have a level of cover. Sorry. I'm just my colleague just got off the phone to be able to do the research with them.\n\nIt has been a little bit tight to get that information, but sorry. Might give me one second. My computer's a little bit slow for Monday afternoon. Gotta love technology when it wants to work. The statement.\n\nThe most recent statement we have. Yeah. No. That's absolutely fine. So, yeah, so we do have majority of your funds in Hub, but I think when you came on board, one of the things that they did discuss with you was just with your health.\n\nYou were prediabetic, so it did make getting new cover quite expensive. So they have retained the Care Super to retain the life and TPD components. It does, unfortunately, mean that you don't have any income protection. So it does mean that in the event that you're not able to work, there is no monthly benefit to fall back on. But it does mean that we're having a life cover there, that if anything was to happen, that you do have some life cover, plus you're super to be paid out to your beneficiaries.\n\nAnd it looks like you've got some TBD there as well, so total permanent disability, which can pay out a lump sum benefit or an income stream in the event that you're unable to go to work again due to being totally permanently disabled. Yeah. Oh, good. I'm just trying to double check the amounts that we have here for you. As of the first the first so the January 30 this year, the amount of life that you had in there was a 124,500.\n\nAnd with the TPD, the amount you have was about 83,000. So, realistically, with TPD, if you are to be TPD, there is tax that can be paid on the TPD benefit amount. It is, unfortunately, up to 22%. I personally do disagree. I don't think I think if you're permanently disabled and not able to work again, the last thing the tax man should be getting is up to 22% of your TBD claim.\n\nBut we can also claim permanent incapacity minimize the tax as much as possible and to get the maximum benefit, whether it be keep it invested and draw down a regular income. And there's a few little fun fancy things that we can do to help minimize the tax on that as well for you. Okay? Yeah. How's everything been going work wise?\n\nI had it down here that you were working in sales. And last time we spoke well, I'm so sorry. It was about 2020, like, 2024. You were still on probation, but you had that new role. Are you still in the same role you were last time we caught up?\n\nPerfect. Yep. Perfect. Lovely. And that's a Bob Jane team.\n\nIs that right? Yep. Perfect. And how's everything going? You're still enjoying the role?\n\nYep. Fantastic. Income wise, have they given you a pay rise? I'm sure you're worth a lot more than you're on back in 2024. Oh, fantastic.\n\nWe had 85 down here, so that is good to see. So 92,000? Beautiful. And do you get regular bonuses or commissions or anything on top of that at all? Yes.\n\nPerfect. Yeah. Lovely. 10,000 per year. Excellent.\n\nFantastic. And are you managing to put much away in the way of savings at the moment, or is everything going towards the bills and expenditure? How's everything looking that way? Yep. Fun.\n\nYep. Yeah. And and the renovations. All good. What a way you're about to be renovating first?\n\nWhat's the what have you started on? Yep. Yeah. Perfect. And your property that you have there, we had that valued last year at about a million dollars.\n\nWhat sort of value do you put on the property now? Have you sort of looked at that or had it valued? Or no. That's okay. Would you like, if the other way to look at that is if you were to sell the property tomorrow, what would you want for?\n\nWhat value is it to you? Would you sort of keep it at that million dollar mark, or do you think you might alter it? Yeah. Okay. Perfect.\n\n1.2 to 1.3 after the renovations. Lovely. And what's the time frame if you're giving yourself that you're hoping to have those completed by? Okay. Perfect.\n\nAre you on track? Or Yep. Oh, nice. And are you on are you taking time off to do that, or you'll still be working? Yeah.\n\nPerfect. Well, I hope it all goes well. I know renovations can be very testing, but, look, it can be really rewarding once it's done as well. Fantastic. We had the loan there for the property at about 375,000.\n\nHave you managed to reduce the loan a bit since then, or have you increased Yep. Lovely. Do you know roughly what it might be at the moment? Yep. That's okay.\n\nPerfect. Even this estimate is completely fine. Not a problem at all. Other assets I had noted here was your Ranger. You had an asset value of about 16,000 on that one.\n\nWhat sort of value would you put on your car at the moment, do you think? Yep. That's okay. And no debt on that one. I've got here you own it outright.\n\nYeah. Beautiful. Contents is roughly valued about 80,000. Is that right? Yep.\n\nPerfect. And I've got some tools here with some value as well. I have a value on those of about sorry. I believe it might be 2,000. Is that right?\n\nYep. Yeah. Yep. That's okay. Perfect.\n\nIs that back from kind of your landscaping days? Yeah. Perfect. To tell you what, I have a lot of, I think very highly of landscapers. I'm giving a landscaping a go on my property in my backyard.\n\nIt's taking a long time to do, but it's kinda fun. It's very hard work, though. Very arduous on the back and the legs. Yeah. No.\n\nAbsolutely. Well, what you're doing now sounds really cool. Oh, fantastic. Thinking forward, now I'll give you a bit of run through on what your super doing and kinda how everything's been going there for you. We have seen some ups and downs.\n\nI know just before we kinda did touch on the fact that you're sorry. We do have your care super open. So that was kept open initially for the insurance component. And, realistically, we only wanna we only wanna keep around about 10,000 in there, but we do wanna make sure your contributions continue to go into CareSoup. And then at review time every year, we do wanna do a regular rollover.\n\nWhat I would like to do, if you're comfortable with, I'd like to go back and just update the advice for you. Just reevaluate the investments within CareSoup and Hub twenty four, make sure everything's in line with your risk profile, which we'll check shortly, and just maybe make sure everything's working between the two funds, look at what's happening there. But with your Hub twenty four sorry. My computer's thinking about it there. I did just pull up a a statement to have a bit of a look.\n\nSo in the last twelve months within Hub twenty four, your portfolio has increased by 8.24, which is really good to see. It's a it's an increase in the last twelve months, and that's just solely what your portfolio has been doing because without contributions going in, it's really just making sure that portfolio is working on its own. So it has that's done really, really well for the for the year, which is fantastic to see. When I have a look at the individual investments sorry. So when I look at the individual investments alone, everything is up.\n\nThe only one I'm sort of concerned about is the Bennelong Australian Equities. So when that was originally recommended to you as part of your advice document, Bennelong has done really well all the way up until essentially mid last year. Late last year, early this year, we have seen some changes. So Bennelong has, unfortunately, one of their underlying investments, Corporate Traveler, was being a bit dishonest to the market there. As public companies do, they have to report to the market.\n\nCorporate traveler reported the discrepancies, and it meant that Benelongs had to go back and reevaluate that portion of their investments. So whilst you've received an 8% return, which is fantastic, and your portfolio is up overall, then along is down a little bit. And we've sort of reevaluated that as an investment, and I'd like to actually remove it from your portfolio and put something else in its place. We wanna make sure that we're removing any underperforming investments to keep things working harder for you and replacing them when we do need to. You are comfortable with me going ahead and doing that for you?\n\nYep. Perfect. What we are sort of looking at now, I know this was placed in there as a bit of a and more of an actively managed fund. But what we are sort of replacing it with is more of a passively managed fund. We are sort of looking at still keeping the Australian exposure for you because it's important to have that, but looking at investments to put in its place, which might be more passively managed, that essentially means that they track a market index and start to outperform the market.\n\nIt can sort of help just reduce some of the risk level that you are taking there. And when you look at active managers versus passive managers, just being in the market and tracking an index, you tend to do better over the longer term. Some of these active managers that are trying to outperform the market, they often don't beat the market. And, realistically, when you look at all the different active managers, most of them don't outperform the market on a regular basis. So we could just kinda wanna replace that with something a bit more low cost to make sure we're reducing the risk level where possible, but also make sure that we're removing those underperforming investments.\n\nDoes that make sense? Yeah. Beautiful. Beautiful. Now having a look at your age as well, because one of the important things to look at is when you're hoping to retire, I've got Hina you're 46 this year.\n\nIs that right? Yep. Beautiful. What age are you sort of hoping you'd like to be able to stop working and maybe access super? Yep.\n\nDo you think you're more likely or hoping to at 65, or do you think you're more likely to probably work a bit longer? Yeah. Yep. Yeah. That's okay.\n\nNot a problem at all. So when we did go to update the advice, you know, the last advice piece you were given, we would have sort of shown you right up into the age of retirement what the projected outcome might look like, which always looks beautiful that long away. But what I'll do is I'll only update the advice to reflect the next ten years for you. It kinda gives us an idea of where we're tracking the next ten years, and we're working in ten year lots. So we know that in the next ten years, a lot contains in your life.\n\nI don't wanna project twenty or thirty years out because a lot there's too many things that could change in that in in that time frame. So I wanna make sure as we're kinda working towards your goal that we're doing it in lots of, you know, ten or fifteen years, and then we sort of update that every couple of couple of years to make sure we're staying on track and updating things more regularly for you. Does that make sense? Does that sound okay with you, Steven? Yep.\n\nPerfect. You're welcome to stop me and ask any questions you have. I know I'm probably the happiest person to ever talk about super. But if you have questions or want me to break anything down more for you, please do let me know. Okay?\n\nBeautiful. Now one of the other things that's really important is looking at sort of this the tax consequences inside your super. Because just like you do it and then your tax return with your accountant, your super does a tax return for your super every year as well, all the the trustees and the accounts. So the super fund do a tax return every year for your super. So one of the things I can look at is definitely looking at just replacing that Better Long Australian Equities with something else and maybe limiting the tax consequences of it that way for you.\n\nBut the other thing I just wanted to also sort of bring up was that, recently, our our investment committee along with our BlackRock's investment committee, and I'm not sure if you've ever heard of BlackRock before, but one of Australia's largest investment firms, we've actually joined together and built what's called a separately managed account. An SMA is essentially an investment product, a bit like what you've got your funds invested in. And you'd be if you wanted to go look at this as a product, you would be in the Oakview SMA. But in that on SMA, you actually have anywhere between 20 to 50 different investment options. The benefit to having an SMA is that when things like what happened with Bennelong occur, we can actually remove those underlying investments quickly and easily without having to update advice there for you.\n\nThe downside to having an SMA is that you can't see all the individual investments that you're invested in. All you would see is your balance and that you're in that SMA. What I would like to find out is would you be open to looking at something like that if it's gonna provide graded benefit, or would you like to see the way your investments are structured? What's more preferable to you? Yeah.\n\nYeah. Yeah. Perfect. Well, I promise I will look after you. Yeah.\n\nYep. Yep. That's okay. Not a problem. Well, you can use me to the full advantage.\n\nI can go back and look at all of those options for you, look at the tax consequences. I can look at the cost of it. And then I can update the recommendations to reflect which way I think we should go, and I can show you the reasoning, the cost, the CGT, all of the things around that so you can, let me know what you're comfortable with. Does that sound okay? Yeah.\n\nBeautiful. I'll do all that research there for you, and I'll update their advice document to reflect. I know you do have a bit more in CareSoup, but we'll retain CareSoup the way it is for the moment just until I update the advice document. And in that, I'll also look at the investors within CareSoup before you just see whether we need to alter those or whether you're invested correctly there. Okay?\n\nPerfect. Now a couple of other questions just to kinda gauge on your risk level and where we are and what you should be maybe invested in. Having a look so sorry. My throat's a little bit sore. I do apologize that I keep pausing.\n\nJust with the so if you looked at your sleep over the next sort of six months to twelve months, and you sort of found that it had fallen, whether it'd be 10%, twenty percent, how do you think you might be feeling about that? Yeah. Yeah. Do you think you'd be wanting to put more money in to try and get take advantage of the TIF, or do you think you might just be wanting to hold and wait and let it recover and maybe talk to us at the time? How do you think you might be feeling?\n\nYep. Yep. Beautiful. Fantastic. When you think about your super, do you feel comfortable taking on a higher level of risk to try and get greater potential returns, or do you feel a bit more risk averse with the ups and downs that we're sort of seeing at the moment?\n\nHow do you feel about risk in the market? Yep. Yeah. Yeah. Perfect.\n\nSo you're comfortable taking on a a moderate to medium amount of risk. You wanna get the best returns you can, but not wanting to just go all in. Yep. Yep. Perfect.\n\nLovely. And am I right in thinking you're trying to sort of get the best returns you possibly can out of your sleep, aiming for the the sky's the limit there to get you super working as hard as possible? Yep. Perfect. And just sort of thinking about investing as well, have you ever owned direct shares or managed funds in your own name at all?\n\nNope. That's okay. Beautiful. And do you think you'd ever be open to the option of maybe borrowing money from a financial institution in order to invest, or it's something you wouldn't wanna consider? You'd only borrow for, say, property?\n\nYeah. Yeah. Okay. No. That's okay.\n\nWell, if you ever do wanna talk about investing outside of super, please give me a call. Let me know. As part of us, we are a financial adviser, and I can give you advice on other areas, not just sort of looking at super. We start with super insurances because that's kind of we're working towards your retirement goals and and having the insurances that'll protect your lifestyle. But if you wanted to talk about investing outside of super, we can also provide advice in those areas for you.\n\nWe have mortgage brokers that you can talk to if you wanted to have your mortgage reevaluated as well. So feel free to give us a call. Let me know if there's any questions you have. If I can ask them or give advice, I will. If I can't, I can refer you through to someone who can help you.\n\nOkay? Yeah. Not a problem at all. Now I've just done that risk profile questionnaire with you. How you have scored is more of a growth investor.\n\nSo you are in that kind of growth environment at the moment, and, generally, this sort of investor sees about 80% of their super invested in growth assets. So you're thinking about things like Australian shares, international shares, some listed property, and also some commodities like gold and silver there as well. The other 20% would be, you know, slower risk kind of defensive investments, the things like cash, bonds, and fixed interest. This is by no means at the top of that investor scale. You're kind of midway at the moment.\n\nDo you feel like you're comfortable staying in that kind of area, or would you wanna maybe look at evaluating that? Yeah. Yep. Yep. Beautiful.\n\nTo give you a bit of an idea with that growth sort of environment there, it normally suits someone who has at least six years before they're needing or wanting to access their their money or their super, so you do kind of have that time horizon for it. With the way we see the investments going with that growth portfolio, we are aiming for about a seven to 9% return on an annual basis compounding that forward. But we do understand because markets go up and down, we can expect a likelihood of a negative return sort of one in every five years. Do you feel you feel comfortable with that if that's okay? Yep.\n\nBeautiful. And you've got lot a lot longer that that 60 time horizon ahead of you. We can't actually access super to 60 at this point, so we've got a lot of working life ahead of us. And I'm almost the same age as you, so don't worry. I'm in the same boat.\n\nYeah. No. That's perfectly fine. Well, I'll I'll look at the growth portfolio, look at the investments between the two, do the research rather to sort of see what we have got and what it looks like for you. And I can update the advice to reflect.\n\nJust so you are aware, Steven. All the advice that we do provide, because you're an ongoing service client, you pay us an ongoing service fee. So that fee is 1.65% per annum. It is calculated and deducted out of your super on a smaller monthly basis. And the idea of that as a percentage based fee is it fluctuates with the market.\n\nSo when the market's doing really well, when you're getting really good returns, it does mean that we earn a bit more. However, if the market was to take a bit of a dip due to the market fluctuations or what we are seeing, it means that our our fee does go down with it. So having a percentage based fee does mean it is linked to the performance of your super there as well, which is a matter of it. But part of that is making sure that we're updating the advice for you. So there's no Yeah.\n\nYeah. But we shouldn't be earning the same amount regardless of what's happening to your super. I know there are advisers that do, like I said, dollar figure fee, and that means that they're making the same amount every year or every month regardless of what your super is doing. So Savvy and Bart, when they set up, oh, you were all about the client and making sure that we're earning money, but we don't wanna be earning the same amount every month regardless of what your portfolio is doing. It's kind of making sure that things are working, and we know that markets go up and down.\n\nWe expect those most market fluctuations. And so when the market is taking a dip, we our fee should take a bit of a dip with it as well. So that's why the the fee structure was set up that way. Okay. Yeah.\n\nPerfect. We did kinda touched on just before as well with the insurances. Now they have been sort of set up and left in care so far, and you've got the life and TPD component there. You don't have any income protection or trauma cover. I know given, you know, you before you were prediabetic when you came on board originally and just with your height and weight and your circumstances health wise, it was gonna be very expensive and difficult to get no cover.\n\nIf in the event that you were not able to go to work, do you have much sick leave, annual leave, or long service leave, or savings to sort of fall back on? How would you sort of cover your expenditure? Yep. Yep. Okay.\n\nOkay. Okay. Perfect. Oh, lovely. So it's a family home.\n\nIs that owned with your siblings? Or okay. Perfect. And what portion of it is yours? Mhmm.\n\nYeah. So when he passes away, that'll probably get sold off and then divvied up between all of you? Yep. Yep. And sold later down the track.\n\nLovely. Oh, and do you get to see your dad very often? 80 three is good. Yeah. Oh, that's lovely.\n\nBeautiful. And it's in so it's owned in that. Is your dad owns a share of it as well? Yes. Yes.\n\nPerfect. And then each earn a third of that. Perfect. I'll just make some notes here. And then when sold, you get a third each.\n\nI'm glad you get to spend some time with your dad. Really important. I'm taking my kids to ever see their great grandparents or great grandmother in a few weeks for Easter, and she's 86. So it's pretty cool. Yeah.\n\nIt's important to have those memories. Yeah. Beautiful. Speaking about kids, I've got down here sorry, that you do have a child or a financial dependent at home. Do you have any kids at home?\n\nJust the one daughter? Lovely. How old is she? Oh, beautiful age. School next year?\n\nYep. Yep. Oh, that is a beautiful age. That's fantastic. And I've got down here that you are married as well.\n\nNo changes there at all? No. Beautiful. And so I don't have your wife down here as your next of kin. Is it Bonnie?\n\nYep. Lovely. Do you happen to know her contact phone number off by heart at all? Yep. Yep.\n\nFour nine eight. Beautiful. Thank you for updating that. I do appreciate it. And also having a look here, it looks we don't have any beneficiaries on file for you.\n\nSo if in the event that you were to pass away, is there any particular direction on what you're wanting to happen to your super and the life insurance that you do hold within CareSoup? You wanna alter Bonnie? Not a problem at all. It is really important that we have the beneficiaries completed. We're happy to prefill them and help you out prior to sending them to be signed.\n\nAre you comfortable with us filling it out with Bonnie's details? Yeah. Lovely. And her name is spelled b o, n n, I e. Is that right?\n\nBeautiful. And surname I have for Bonnie is Carter? Lovely. Same address. That's all fine.\n\nCan I grab her date of birth as well if possible? Yep. 1987. Beautiful. And I'll put down here she's spouse.\n\nLovely. So we can certainly provide that assistance. If you like, we can prefill those forms, then we can send the beneficiaries to you just to get you to sign and have them witnessed. If you send them back to us, we can make sure they're applied so that, like, if in the event something was to happen, it just makes the claim process much easier for Bonnie there as well. Okay?\n\nBeautiful. I also have mentioned that he was too. It's really important if you can just let her know that we are your financial advisers, and just maybe have our contact phone number somewhere. We can send you, like, an updated fridge magnet or something just for that contact information. So we hope nothing happens.\n\nBut if in the event something was to happen, she could just call us, and we can certainly help with the with the process of going through the the claims details there to make life easier on her in that situation as well. Okay? Yes. Beautiful. I think I've got most of everything here.\n\nYou're not making any salary sacrifice or additional contributions. It looks like the super is just what your employer is putting in at the moment. Yeah. Beautiful. And, you know, sort of wanting to at the moment, you're maybe down the track.\n\nIs that right? Or Easier. Yeah. Absolutely. Not a problem at all.\n\nAnd do you have any other goals that you're sort of looking to achieve down the track there at all? Yep. Yep. Yep. Perfect.\n\nAnd you're happy with the life and TPD amounts that you have? You're not sort of wanting to go out there and try and get more expensive cover at all? You're sort of happy with the level of cover you have? Yep. Yeah.\n\nNo. That's okay. That's all good. The other sort of insurance I do have to talk to you about, I'm not sure if anyone's explained what trauma cover is. Has anyone given you a diet or talked to you about trauma before?\n\nYeah. It covers you for things like a heart attack, a stroke, certain neurological conditions. It is an out of pocket expense, and I you said money is a little bit tight with with everything going on there. Did you wanna look at trying to get anything out of pocket, or are you happy just to keep it as it is for the moment and we maybe assess it down the track? Yep.\n\nYep. That's okay. Another really good idea is when's and another sort of thing I look at because we have insurances sort of protect us in the event that something happens, but there's always that that risk that we pay for those insurances on a regular basis, but that we never actually claim. And then we pay those premiums for nothing. So another sort of way to look at it is we can always build and try to build investments out of side of super down the track when you do have a bit of spare cash flow and maybe you wanna incorporate your wife into the conversation.\n\nWe can always look at what you have available to you, maybe setting up investments in your own name outside of super and kind of building that as well. You're building wealth that you can access prior to you wanting to retire. But it also means that you can be sort of closing that gap with regards to insurances down the track there as well. So feel free to kinda keep that in mind, and if it's something you would like to talk to me about, I'm more than happy to make that time, and we can, you know, look at what other things we can do. Yeah.\n\nPerfect. Perfect. I just wanted to double check also just with the any changes to your house. Do you know what your height and weight roughly is at the moment? Yep.\n\nYep. Yep. Ninety six. Beautiful. Yeah.\n\nYou have. Definitely. Because I mentioned before that you when you came on board, you know, you're pre diabetic. But, realistically, have you been able to reverse that with the changes you've got there? Mhmm.\n\nOkay. Yeah. That's the worst time to see a doctor. Yeah. Perfect.\n\nI love that. Yeah. Yep. Yeah. That's okay.\n\nThat's alright. You gotta enjoy those as well. It's, you know, Christmas is an important important time to engorge yourself on food. I did the exact same thing. I probably drank too much too in all honesty.\n\nSo it was probably good we closed for two weeks because I needed that to recover. But, no, I've just sort of had a look. So with your height and weight, your BMI is around about thirty point zero three. So when insurances or when insurers look at whether they're willing to offer cover to a client, Obviously, your health goes into play there as well, but the other factor is your BMI. It's your body mass index, and it's a combination of your height and weight.\n\nThe higher your BMI, the more pressure there is on your heart, so the more risky become for an insurance company. But with your BMI at the moment, whilst there could be a bit of a loading applied, if you did down the track wanna look at maybe getting new insurance cover, I would absolutely be able to look at that for you to see what might be on offer. It could be a little bit more expensive than what you have at the moment, but insurance cover could be offered. Absolutely, I dare say there'd be a contract offered, and there might just be an exclusion or a loading depending on what else might be in your health history to look at there. Okay?\n\nYeah. If they do come out and say, hey. You do have diabetes, type two diabetes, it's harder to get insurance for. Generally, they want to, if you're a diabetic, to have been diagnosed a few years ago just because the longer you've had it for, but the more controlled it is, the better the contract can be offered. Anyone with prediabetes, I've I've still seen contracts offered.\n\nIt's more just wanting to find out more about your health, get updated blood results, and blood pressure, and things like that. And then sometimes there's a bit of a loading on there. It can be about 50 to a 100% depending on other factors, but it does often mean that that an insurance contract can still be covered with the cover you have with CareSoup at the moment, because it is more or less it's not like a retail fund where they've done the application at the beginning. It's more of a group cover. So you sort of pulled in and and added to a larger pool of risk.\n\nYou sort of lumped in there with lots of other people. Some people don't have loading. Some might be scheduled for loading, but they spread that risk level across all of the members there. And they tend to underwrite the policy at the time of claim. But because you've had that policy enforced for longer, any changes don't seem to make much of a difference, and it can be easier to claim on those sorts of policies as not normally loading to exclusions that needs to be applied to them.\n\nSo retaining that cover for now is is plenty fine. But if down the track, if you wanna talk to me more about insurance and kinda get an idea for what you might be able to get, I'm more than happy to do so for you. Okay? Yeah. That's okay.\n\nI just wanted to make sure I'm giving you a bit of information, kinda giving you some updated on what we sort of see and where we can kinda go. But, you know, you're doing really, really well and keep it up. Because at the end of the day, it's not about the insurances. It's more important for you to be around for your kids. So yeah.\n\nYeah. And are you finding you're feeling a lot better? Yeah? Beautiful. I love that.\n\nThat's beautiful. Oh, that's really fantastic. Good to hear. And you go due to go back to the doctors again soon. Hopefully, they've got some more really great results there for you.\n\nYeah. Perfect. The other thing here is looking at the estate planning side of things as well. Have you done up a will, had a power of attorney? Have you and your wife sort of spoken about doing those in the past?\n\nYeah. That's okay. As part of updating the advice, I will recommend speaking to a solicitor and having a will and power of attorney done up. It is really important that those things do get done whilst your beneficiary nominations look after your super and your life insurances. Everything outside of super that you've worked is just hard for us, your tools, your cars, your contents, your savings accounts, and your house as well in the event something was to happen to you and or and your wife that you have it directed correctly.\n\nBut the other thing to consider is a guardianship as well because you do have your young precious daughter there. And if anything happens to both of you, you wanna make sure that you've decided where what happens to her, who looks after her, and making sure everything is in place to make sure she's looked after moving forward as well. So there is a few few really important aspects that to consider, and I'll put that into the advice document to help reflect for you if you like. Okay. Yeah.\n\nBeautiful. Other than that sorry. I'm just looking. There's sort of nothing else to check on. Everything's kind of all okay.\n\nYou've got a lovely 8% return. Things are working really well with your super, but I'll go back and reevaluate things. I can work on an age 65 to retirement. That way, you get the option to work longer if you wanted to. I'm by no means gonna tell you you have to retire at that point, but it gives you the option to if you decide you don't wanna work any longer.\n\nOkay? I mean, if we won lotto, we'd all be out tomorrow. I can also look at retaining just the life and TPD you have at the moment. We'll scope out the income protection and the trauma, but we can always look at that down the track if you're comfortable to do so. Just wanted to update as well, if it's okay.\n\nYour wife, does she you said that she works and she's earning good money as well. What is she averaging? Do you know what her income normally look like? Okay. $1.70?\n\nPerfect. So she's on a very good income. That's excellent. So about 170,000 per year. Lovely.\n\nLovely. What does she do for work? Yep. Perfect. Excellent.\n\nLovely. No. Well, that's really good. So, I mean, if anything happens given your income is obviously less than hers, if you weren't working, she'd still be okay for covering the bills and helping out a bit. That would sort of yeah.\n\nPerfect. Perfect. Lovely. Well, have I sort of touched on everything that you were sort of after? Is there anything else that you wanted me to to ask me or for me to touch on while you've got me here at all?\n\nNo? Oh, fantastic. Lovely. Well, I'll go back and do some research there for you, Steven. If there is anything additional that we do need, I'll make sure we contact you.\n\nOh, actually, I do apologize. I almost forgot. My beautiful admin team let me know that your ID has expired on file. If we send you a text message shortly, are you able just to reply back to that with the back and front of your photo ID just so we keep our records to date? Perfect.\n\nI'll get that text message done shortly for you. Beautiful. And how are you performing our services at the moment? Yep. And oh, fantastic.\n\nThank you. Oh, fantastic. Well, one of the other thing that we'll probably ask and one of the things that's really important to us is, as a business, we are growing and word-of-mouth is really important. So, if it's okay, my admin team will also just pop down and send you a link to the Google review if you're able to and would like to. If you can pop just a review on our website there.\n\nIt doesn't matter what it is. It can be one word. It can just be a five star review or, you know, however stars you're comfortable with. It's just really important to keep that keep that sort of growing if that would be okay with you. Would that be alright if we sent that to you as well?\n\nYep. Beautiful. Thank you so much, Steven. Now I'll get cracking on this research. I'll get those texts sent out to you shortly.\n\nIt'll come from my beautiful admin team member, Michelle. She'll also send out your annual review pack in the next twenty four hours for you as well. But if you need anything, you're welcome to let me know. My name is Dana. I'll be doing your research and all the advice moving forward to help you as we work towards your goals there.\n\nIn the annual review pack in case we haven't spoken before, we'll also be our finance services guide. And in that, it's got all the information on me, who I am. It's got a lovely photo of me as well, a bit glossy and and all done up. So you're welcome to run your eyes over that. And my registration number with ASIC is in there as well, which is one three zero four three nine four.\n\nSo you can get a bit more information on who I am as an adviser. And if you find you have any questions at any time, you're welcome to let me know. Okay? Beautiful. Thank you so much.\n\nYeah. Absolutely. Most definitely. I'll get that sorted. Thank you so much for your time today.\n\nI'll let you go to enjoy your dinner, but thank you for your time. I really appreciate it. No worries. Thanks, David. Talk to you soon.\n\nThanks. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Steven.","start":3.1999998,"end":4.0,"sentiment":"neutral","sentiment_score":0.08449491485953331},{"text":"This is Dana from OQ Financial.","start":4.0,"end":5.7,"sentiment":"neutral","sentiment_score":0.13047203669945398},{"text":"How are you this afternoon?","start":5.7599998,"end":6.98,"sentiment":"neutral","sentiment_score":0.18453627228736877},{"text":"I'm very well.","start":8.88,"end":9.84,"sentiment":"positive","sentiment_score":0.5466062227884928},{"text":"Thank you.","start":9.84,"end":10.16,"sentiment":"positive","sentiment_score":0.6341179311275482}],"sentiment":"neutral","sentiment_score":0.2656976634429561,"num_words":18,"start":3.1999998,"end":10.16},{"sentences":[{"text":"Thank you for asking.","start":10.16,"end":11.2,"sentiment":"positive","sentiment_score":0.5682611763477325},{"text":"I had you booked in to go through a bit of an annual review with you.","start":11.2,"end":13.84,"sentiment":"neutral","sentiment_score":0.19071204029023647},{"text":"Is now a good time?","start":13.84,"end":15.139999,"sentiment":"neutral","sentiment_score":0.15411476492881776},{"text":"Yeah.","start":16.475,"end":16.875,"sentiment":"neutral","sentiment_score":0.263572096824646},{"text":"Fantastic.","start":16.875,"end":17.375,"sentiment":"positive","sentiment_score":0.5833858847618103}],"sentiment":"neutral","sentiment_score":0.25710996875056513,"num_words":27,"start":10.16,"end":17.375},{"sentences":[{"text":"How has your day been?","start":17.755001,"end":19.135,"sentiment":"neutral","sentiment_score":0.3201179623603821},{"text":"Yeah.","start":21.035,"end":21.535,"sentiment":"neutral","sentiment_score":0.11438633501529694},{"text":"Monday, up and done with.","start":21.835,"end":23.455,"sentiment":"neutral","sentiment_score":0.18242090046405793},{"text":"All good, Steven.","start":25.835,"end":26.715,"sentiment":"positive","sentiment_score":0.41404564181963605},{"text":"Before we jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":26.715,"end":31.099998,"sentiment":"neutral","sentiment_score":0.09989464708736964}],"sentiment":"neutral","sentiment_score":0.17048586181231906,"num_words":35,"start":17.755001,"end":31.099998},{"sentences":[{"text":"Are you happy for me to proceed with that?","start":31.099998,"end":33.2,"sentiment":"neutral","sentiment_score":0.12512319286664328},{"text":"Beautiful.","start":34.54,"end":35.04,"sentiment":"positive","sentiment_score":0.5067987442016602},{"text":"And just to do security there with you as well, we are discussing your personal information.","start":35.18,"end":38.62,"sentiment":"neutral","sentiment_score":0.15901400428265333},{"text":"So I'll just get you to confirm your full name, date of birth, and address I should have on file for you.","start":38.62,"end":43.04,"sentiment":"neutral","sentiment_score":0.125355237248269},{"text":"Yep.","start":44.664997,"end":45.164997,"sentiment":"neutral","sentiment_score":0.022093281149864197}],"sentiment":"neutral","sentiment_score":0.14198040916603438,"num_words":49,"start":31.099998,"end":45.164997},{"sentences":[{"text":"Date of date of birth.","start":52.905,"end":54.024998,"sentiment":"neutral","sentiment_score":0.009440143965184689},{"text":"Sorry.","start":54.024998,"end":54.524998,"sentiment":"neutral","sentiment_score":0.010449928231537342},{"text":"Beautiful.","start":56.81,"end":57.31,"sentiment":"positive","sentiment_score":0.3872449994087219},{"text":"Lovely.","start":57.530003,"end":58.030003,"sentiment":"positive","sentiment_score":0.35022491216659546},{"text":"Steven, to sort of run through things, I know we do normally send through your annual review 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okay?","start":72.615005,"end":73.435005,"sentiment":"neutral","sentiment_score":0.04759932681918144},{"text":"Yeah.","start":74.775,"end":75.255005,"sentiment":"neutral","sentiment_score":0.113737553358078},{"text":"Beautiful.","start":75.255005,"end":75.755005,"sentiment":"positive","sentiment_score":0.34019768238067627}],"sentiment":"neutral","sentiment_score":0.04576829634606838,"num_words":48,"start":63.21,"end":75.755005},{"sentences":[{"text":"All good.","start":75.895004,"end":76.375,"sentiment":"positive","sentiment_score":0.3390193432569504},{"text":"Sounds like you're getting ready to cook dinner.","start":76.375,"end":78.475006,"sentiment":"neutral","sentiment_score":0.32092465087771416},{"text":"Nice.","start":80.15,"end":80.65,"sentiment":"positive","sentiment_score":0.35112112760543823},{"text":"You've done well.","start":82.71,"end":83.590004,"sentiment":"positive","sentiment_score":0.34695825974146527},{"text":"If you need me to stop at any point, just let me know, but I'll try not to take up too much of your time.","start":83.590004,"end":87.83,"sentiment":"neutral","sentiment_score":0.0758453705906868}],"sentiment":"neutral","sentiment_score":0.16752733500340047,"num_words":39,"start":75.895004,"end":87.83},{"sentences":[{"text":"Okay?","start":87.83,"end":88.33,"sentiment":"neutral","sentiment_score":0.057866595685482025},{"text":"Fantastic.","start":89.990005,"end":90.490005,"sentiment":"positive","sentiment_score":0.4385550618171692},{"text":"All good.","start":90.87,"end":91.35,"sentiment":"positive","sentiment_score":0.3576626628637314},{"text":"So just wanted to sort of run through and give you a bit of an update on where things are at the moment as well.","start":91.35,"end":97.055,"sentiment":"neutral","sentiment_score":0.1599993497133255},{"text":"But before we jump into the annual review properly, is there anything that you wanted me to sort of touch base 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are retaining CareSleeper as well as having hub 24 so that you do have a level of cover.","start":132.065,"end":138.04999,"sentiment":"neutral","sentiment_score":0.20938304290175438},{"text":"Sorry.","start":138.59,"end":139.03,"sentiment":"neutral","sentiment_score":-0.0977870374917984},{"text":"I'm just my colleague just got off the phone to be able to do the research with them.","start":139.03,"end":143.15,"sentiment":"neutral","sentiment_score":-0.14745494433575207}],"sentiment":"neutral","sentiment_score":0.08637006503958551,"num_words":63,"start":124.465,"end":143.15},{"sentences":[{"text":"It has been a little bit tight to get that information, but sorry.","start":143.15,"end":148.185,"sentiment":"neutral","sentiment_score":-0.22119697240682748},{"text":"Might give me one second.","start":148.185,"end":149.465,"sentiment":"neutral","sentiment_score":-0.16419192254543305},{"text":"My computer's a little bit slow for Monday afternoon.","start":149.465,"end":152.025,"sentiment":"negative","sentiment_score":-0.3765287796656291},{"text":"Gotta love technology when it wants to work.","start":152.025,"end":154.365,"sentiment":"neutral","sentiment_score":-0.03655342664569616},{"text":"The statement.","start":159.145,"end":159.965,"sentiment":"neutral","sentiment_score":0.026185471564531326}],"sentiment":"neutral","sentiment_score":-0.19798204705521866,"num_words":37,"start":143.15,"end":159.965},{"sentences":[{"text":"The most recent statement we have.","start":162.79999,"end":165.14,"sentiment":"neutral","sentiment_score":0.08710504012803237},{"text":"Yeah.","start":166.71999,"end":167.04,"sentiment":"neutral","sentiment_score":0.02152899838984013},{"text":"No.","start":167.04,"end":167.2,"sentiment":"neutral","sentiment_score":-0.015696415677666664},{"text":"That's absolutely fine.","start":167.2,"end":170.34,"sentiment":"neutral","sentiment_score":0.24654126167297363},{"text":"So, yeah, so we do have 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dollars.","start":391.845,"end":396.805,"sentiment":"neutral","sentiment_score":0.1534348370300399}],"sentiment":"neutral","sentiment_score":0.13760291798306362,"num_words":28,"start":380.07,"end":396.805},{"sentences":[{"text":"What sort of value do you put on the property now?","start":396.805,"end":399.125,"sentiment":"neutral","sentiment_score":0.019464751874858684},{"text":"Have you sort of looked at that or had it valued?","start":399.125,"end":401.385,"sentiment":"neutral","sentiment_score":0.010708341120996258},{"text":"Or no.","start":401.525,"end":403.75998,"sentiment":"neutral","sentiment_score":-0.07232650509104133},{"text":"That's okay.","start":403.75998,"end":404.47998,"sentiment":"neutral","sentiment_score":-0.047162868082523346},{"text":"Would you like, if the other way to look at that is if you were to sell the property tomorrow, what would you want 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it?","start":410.8,"end":415.3,"sentiment":"neutral","sentiment_score":-0.009289448541638098},{"text":"Yeah.","start":418.04498,"end":418.54498,"sentiment":"neutral","sentiment_score":0.002342008054256439},{"text":"Okay.","start":422.685,"end":423.185,"sentiment":"neutral","sentiment_score":0.11650025844573976},{"text":"Perfect.","start":423.245,"end":423.745,"sentiment":"neutral","sentiment_score":0.23781439661979675}],"sentiment":"neutral","sentiment_score":0.0050144799585853305,"num_words":28,"start":409.52,"end":423.745},{"sentences":[{"text":"1.2 to 1.3 after the renovations.","start":424.365,"end":426.78497,"sentiment":"neutral","sentiment_score":0.10481459212799867},{"text":"Lovely.","start":427.16498,"end":427.66498,"sentiment":"positive","sentiment_score":0.3855329751968384},{"text":"And what's the time frame if you're giving yourself that you're hoping to have those completed by?","start":427.75998,"end":431.94,"sentiment":"neutral","sentiment_score":0.09898604145821403},{"text":"Okay.","start":435.36,"end":435.84,"sentiment":"neutral","sentiment_score":0.13459323346614838},{"text":"Perfect.","start":435.84,"end":436.34,"sentiment":"neutral","sentiment_score":0.27743321657180786}],"sentiment":"neutral","sentiment_score":0.11958498779970866,"num_words":26,"start":424.365,"end":436.34},{"sentences":[{"text":"Are you on track?","start":437.44,"end":438.63998,"sentiment":"neutral","sentiment_score":0.1216676589101553},{"text":"Or Yep.","start":438.63998,"end":440.755,"sentiment":"neutral","sentiment_score":0.07115951552987099},{"text":"Oh, nice.","start":442.015,"end":442.83502,"sentiment":"neutral","sentiment_score":0.2217436283826828},{"text":"And are you on are you taking time off to do that, or you'll still be working?","start":444.33502,"end":447.875,"sentiment":"neutral","sentiment_score":0.04695457625476753},{"text":"Yeah.","start":449.935,"end":450.435,"sentiment":"neutral","sentiment_score":0.1390531063079834}],"sentiment":"neutral","sentiment_score":0.07729837792710616,"num_words":26,"start":437.44,"end":450.435},{"sentences":[{"text":"Perfect.","start":450.495,"end":450.975,"sentiment":"positive","sentiment_score":0.37322258949279785},{"text":"Well, I hope it all goes well.","start":450.975,"end":452.495,"sentiment":"positive","sentiment_score":0.44553485938480925},{"text":"I know renovations can be very testing, but, look, it can be really rewarding once it's done as well.","start":452.495,"end":458.9,"sentiment":"positive","sentiment_score":0.3986525849292153},{"text":"Fantastic.","start":462.4,"end":462.9,"sentiment":"positive","sentiment_score":0.6028755903244019},{"text":"We had the loan there for the property at about 375,000.","start":463.52002,"end":468.1,"sentiment":"neutral","sentiment_score":0.22385884144089438}],"sentiment":"positive","sentiment_score":0.3623509888465588,"num_words":39,"start":450.495,"end":468.1},{"sentences":[{"text":"Have you managed to reduce the loan a bit since then, or have you increased Yep.","start":468.16,"end":475.49503,"sentiment":"neutral","sentiment_score":-0.029458078439347446},{"text":"Lovely.","start":475.49503,"end":475.89502,"sentiment":"positive","sentiment_score":0.3642843961715698},{"text":"Do you know roughly what it might be at the moment?","start":475.89502,"end":477.915,"sentiment":"neutral","sentiment_score":0.07049474001608112},{"text":"Yep.","start":482.855,"end":483.17502,"sentiment":"neutral","sentiment_score":0.09995733946561812},{"text":"That's okay.","start":483.17502,"end":484.075,"sentiment":"neutral","sentiment_score":0.26476091891527176}],"sentiment":"neutral","sentiment_score":0.04186698253596983,"num_words":31,"start":468.16,"end":484.075},{"sentences":[{"text":"Perfect.","start":484.31998,"end":484.81998,"sentiment":"positive","sentiment_score":0.5991044044494629},{"text":"Even this estimate is completely fine.","start":484.87997,"end":487.03998,"sentiment":"positive","sentiment_score":0.42188091079394024},{"text":"Not a problem at all.","start":487.03998,"end":488.5,"sentiment":"neutral","sentiment_score":0.2526979446411133},{"text":"Other assets I had noted here was your Ranger.","start":488.8,"end":491.36,"sentiment":"neutral","sentiment_score":0.04446052366660701},{"text":"You had an asset value of about 16,000 on that one.","start":491.36,"end":494.8,"sentiment":"neutral","sentiment_score":0.03003499453718012}],"sentiment":"neutral","sentiment_score":0.16013778891647235,"num_words":32,"start":484.31998,"end":494.8},{"sentences":[{"text":"What sort of value would you put on your car at the moment, do you think?","start":494.8,"end":497.78,"sentiment":"neutral","sentiment_score":0.01614049985073507},{"text":"Yep.","start":501.01498,"end":501.51498,"sentiment":"neutral","sentiment_score":0.02954166010022163},{"text":"That's okay.","start":501.735,"end":502.555,"sentiment":"neutral","sentiment_score":0.111080352216959},{"text":"And no debt on that one.","start":503.175,"end":504.615,"sentiment":"neutral","sentiment_score":0.03546901854375998},{"text":"I've got here you own it outright.","start":504.615,"end":506.155,"sentiment":"neutral","sentiment_score":0.07166483200022153}],"sentiment":"neutral","sentiment_score":0.03826307179406285,"num_words":32,"start":494.8,"end":506.155},{"sentences":[{"text":"Yeah.","start":507.175,"end":507.495,"sentiment":"neutral","sentiment_score":0.16942952573299408},{"text":"Beautiful.","start":507.495,"end":507.995,"sentiment":"positive","sentiment_score":0.5007840394973755},{"text":"Contents is roughly valued about 80,000.","start":508.055,"end":510.775,"sentiment":"neutral","sentiment_score":0.11472994647920132},{"text":"Is that right?","start":510.775,"end":511.595,"sentiment":"neutral","sentiment_score":0.09964720656474431},{"text":"Yep.","start":513.39996,"end":513.88,"sentiment":"neutral","sentiment_score":0.10764437168836594}],"sentiment":"neutral","sentiment_score":0.1470982696240147,"num_words":12,"start":507.175,"end":513.88},{"sentences":[{"text":"Perfect.","start":513.88,"end":514.27997,"sentiment":"neutral","sentiment_score":0.3277968168258667},{"text":"And I've got some tools here with some value as well.","start":514.27997,"end":517.26,"sentiment":"neutral","sentiment_score":0.1334090747616508},{"text":"I have a value on those of about sorry.","start":517.48,"end":519.95996,"sentiment":"neutral","sentiment_score":0.03483659867197275},{"text":"I believe it might be 2,000.","start":519.95996,"end":521.58,"sentiment":"neutral","sentiment_score":0.029592767047385376},{"text":"Is that right?","start":521.64,"end":522.45996,"sentiment":"neutral","sentiment_score":0.05655654023090998}],"sentiment":"neutral","sentiment_score":0.08186840834096074,"num_words":30,"start":513.88,"end":522.45996},{"sentences":[{"text":"Yep.","start":524.295,"end":524.795,"sentiment":"neutral","sentiment_score":0.0177006758749485},{"text":"Yeah.","start":525.175,"end":525.675,"sentiment":"neutral","sentiment_score":0.007790411356836557},{"text":"Yep.","start":526.375,"end":526.615,"sentiment":"neutral","sentiment_score":0.03119676560163498},{"text":"That's okay.","start":526.615,"end":527.59503,"sentiment":"neutral","sentiment_score":0.1096278466284275},{"text":"Perfect.","start":527.815,"end":528.135,"sentiment":"neutral","sentiment_score":0.20553767681121823}],"sentiment":"neutral","sentiment_score":0.08024687048358221,"num_words":6,"start":524.295,"end":528.135},{"sentences":[{"text":"Is that back from kind of your landscaping days?","start":528.135,"end":530.635,"sentiment":"neutral","sentiment_score":0.03444579098787573},{"text":"Yeah.","start":532.215,"end":532.615,"sentiment":"neutral","sentiment_score":0.11271604895591736},{"text":"Perfect.","start":532.615,"end":533.09503,"sentiment":"neutral","sentiment_score":0.22970110177993777},{"text":"To tell you what, I have a lot of, I think very highly of landscapers.","start":533.09503,"end":536.875,"sentiment":"neutral","sentiment_score":0.13139956841866177},{"text":"I'm giving a landscaping a go on my property in my backyard.","start":537.15,"end":539.95,"sentiment":"neutral","sentiment_score":0.1297083217650652}],"sentiment":"neutral","sentiment_score":0.10999796466019593,"num_words":38,"start":528.135,"end":539.95},{"sentences":[{"text":"It's taking a long time to do, but it's kinda fun.","start":539.95,"end":542.69,"sentiment":"neutral","sentiment_score":0.07904493639414961},{"text":"It's very hard work, though.","start":543.15,"end":544.53,"sentiment":"neutral","sentiment_score":-0.22183479964733124},{"text":"Very arduous on the back and the legs.","start":547.07,"end":549.25,"sentiment":"negative","sentiment_score":-0.42485883086919785},{"text":"Yeah.","start":554.165,"end":554.64496,"sentiment":"neutral","sentiment_score":-0.07608698308467865},{"text":"No.","start":554.64496,"end":554.96497,"sentiment":"neutral","sentiment_score":-0.09269364923238754}],"sentiment":"neutral","sentiment_score":-0.1464358068142946,"num_words":26,"start":539.95,"end":554.96497},{"sentences":[{"text":"Absolutely.","start":554.96497,"end":555.46497,"sentiment":"neutral","sentiment_score":0.03156781196594238},{"text":"Well, what you're doing now sounds really cool.","start":555.685,"end":557.945,"sentiment":"neutral","sentiment_score":0.24240735359489918},{"text":"Oh, fantastic.","start":560.005,"end":560.90497,"sentiment":"positive","sentiment_score":0.4593847244977951},{"text":"Thinking forward, now I'll give you a bit of run through on what your super doing and kinda how everything's been going there for you.","start":562.485,"end":568.45,"sentiment":"neutral","sentiment_score":0.29097801327705386},{"text":"We have seen some ups and downs.","start":568.51,"end":570.51,"sentiment":"neutral","sentiment_score":-0.027450580149888992}],"sentiment":"neutral","sentiment_score":0.23190447350227555,"num_words":43,"start":554.96497,"end":570.51},{"sentences":[{"text":"I know just before we kinda did touch on the fact that you're sorry.","start":570.51,"end":574.53,"sentiment":"neutral","sentiment_score":-0.03983859611409051},{"text":"We do have your care super open.","start":574.91003,"end":576.59,"sentiment":"neutral","sentiment_score":0.04698125845087426},{"text":"So that was kept open initially for the insurance component.","start":576.59,"end":580.35004,"sentiment":"neutral","sentiment_score":0.046286723017692565},{"text":"And, realistically, we only wanna we only wanna keep around about 10,000 in there, but we do wanna make sure your contributions continue to go into CareSoup.","start":580.35004,"end":587.995,"sentiment":"neutral","sentiment_score":0.1373306568711996},{"text":"And then at review time every year, we do wanna do a regular rollover.","start":588.13495,"end":592.315,"sentiment":"neutral","sentiment_score":0.10439437308481761}],"sentiment":"neutral","sentiment_score":0.07504784239507797,"num_words":72,"start":570.51,"end":592.315},{"sentences":[{"text":"What I would like to do, if you're comfortable with, I'd like to go back and just update the advice for you.","start":593.01495,"end":597.69,"sentiment":"neutral","sentiment_score":0.10931882837956602},{"text":"Just reevaluate the investments within CareSoup and Hub twenty four, make sure everything's in line with your risk profile, which we'll check shortly, and just maybe make sure everything's working between the two funds, look at what's happening there.","start":597.69,"end":610.14496,"sentiment":"neutral","sentiment_score":0.09153365553953709},{"text":"But with your Hub twenty four sorry.","start":610.845,"end":613.245,"sentiment":"neutral","sentiment_score":-0.024982410882200514},{"text":"My computer's thinking about it there.","start":613.245,"end":616.065,"sentiment":"neutral","sentiment_score":-0.10367116083701451},{"text":"I did just pull up a a statement to have a bit of a look.","start":616.365,"end":620.445,"sentiment":"neutral","sentiment_score":0.06800542945663134}],"sentiment":"neutral","sentiment_score":0.06964049877577953,"num_words":89,"start":593.01495,"end":620.445},{"sentences":[{"text":"So in the last twelve months within Hub twenty four, your portfolio has increased by 8.24, which is really good to see.","start":620.445,"end":627.26,"sentiment":"positive","sentiment_score":0.5299565101211722},{"text":"It's a it's an increase in the last twelve months, and that's just solely what your portfolio has been doing because without contributions going in, it's really just making sure that portfolio is working on its own.","start":627.26,"end":637.66,"sentiment":"neutral","sentiment_score":0.29214533478827087},{"text":"So it has that's done really, really well for the for the year, which is fantastic to see.","start":637.66,"end":642.205,"sentiment":"positive","sentiment_score":0.6728720896773868},{"text":"When I have a look at the individual investments sorry.","start":643.865,"end":647.96497,"sentiment":"neutral","sentiment_score":0.02183334417641163},{"text":"So when I look at the individual investments alone, everything is up.","start":648.185,"end":652.19,"sentiment":"neutral","sentiment_score":0.033089641792078815}],"sentiment":"positive","sentiment_score":0.3555103774474125,"num_words":99,"start":620.445,"end":652.19},{"sentences":[{"text":"The only one I'm sort of concerned about is the Bennelong Australian Equities.","start":652.33,"end":655.69,"sentiment":"neutral","sentiment_score":-0.058507517410012394},{"text":"So when that was originally recommended to you as part of your advice document, Bennelong has done really well all the way up until essentially mid last year.","start":655.69,"end":664.91003,"sentiment":"neutral","sentiment_score":-0.0075407181866467},{"text":"Late last year, early this year, we have seen some changes.","start":665.495,"end":668.135,"sentiment":"neutral","sentiment_score":-0.12004077705469998},{"text":"So Bennelong has, unfortunately, one of their underlying investments, Corporate Traveler, was being a bit dishonest to the market there.","start":668.135,"end":674.795,"sentiment":"negative","sentiment_score":-0.40684416368603704},{"text":"As public companies do, they have to report to the market.","start":675.255,"end":678.875,"sentiment":"neutral","sentiment_score":-0.24195287308909677}],"sentiment":"neutral","sentiment_score":-0.15771748507058764,"num_words":83,"start":652.33,"end":678.875},{"sentences":[{"text":"Corporate traveler reported the discrepancies, and it meant that Benelongs had to go back and reevaluate that portion of their investments.","start":679.57,"end":686.23,"sentiment":"neutral","sentiment_score":-0.3247797446591513},{"text":"So whilst you've received an 8% return, which is fantastic, and your portfolio is up overall, then along is down a little bit.","start":686.29,"end":693.555,"sentiment":"neutral","sentiment_score":0.07617887757394624},{"text":"And we've sort of reevaluated that as an investment, and I'd like to actually remove it from your portfolio and put something else in its place.","start":693.555,"end":701.335,"sentiment":"neutral","sentiment_score":-0.07658040681137489},{"text":"We wanna make sure that we're removing any underperforming investments to keep things working harder for you and replacing them when we do need to.","start":701.875,"end":709.29,"sentiment":"neutral","sentiment_score":-0.07500960692763328},{"text":"You are comfortable with me going ahead and doing that for you?","start":709.29,"end":712.11,"sentiment":"neutral","sentiment_score":0.08345539215952158}],"sentiment":"neutral","sentiment_score":-0.07414136914031527,"num_words":107,"start":679.57,"end":712.11},{"sentences":[{"text":"Yep.","start":713.53,"end":714.01,"sentiment":"neutral","sentiment_score":0.21330049633979797},{"text":"Perfect.","start":714.01,"end":714.51,"sentiment":"positive","sentiment_score":0.4702550768852234},{"text":"What we are sort of looking at now, I know this was placed in there as a bit of a and more of an actively managed fund.","start":715.37,"end":721.425,"sentiment":"neutral","sentiment_score":0.05692774015996191},{"text":"But what we are sort of replacing it with is more of a passively managed fund.","start":721.425,"end":725.445,"sentiment":"neutral","sentiment_score":0.05554358568042517},{"text":"We are sort of looking at still keeping the Australian exposure for you because it's important to have that, but looking at investments to put in its place, which might be more passively managed, that essentially means that they track a market index and start to outperform the market.","start":725.66504,"end":739.04004,"sentiment":"neutral","sentiment_score":0.17867450005545907}],"sentiment":"neutral","sentiment_score":0.1262165152249818,"num_words":94,"start":713.53,"end":739.04004},{"sentences":[{"text":"It can sort of help just reduce some of the risk level that you are taking there.","start":739.18,"end":743.44,"sentiment":"neutral","sentiment_score":0.19732287438476787},{"text":"And when you look at active managers versus passive managers, just being in the market and tracking an index, you tend to do better over the longer term.","start":743.74,"end":752.265,"sentiment":"neutral","sentiment_score":0.14200071431696415},{"text":"Some of these active managers that are trying to outperform the market, they often don't beat the market.","start":752.645,"end":757.765,"sentiment":"neutral","sentiment_score":0.12094998442464405},{"text":"And, realistically, when you look at all the different active managers, most of them don't outperform the market on a regular basis.","start":757.765,"end":765.05,"sentiment":"neutral","sentiment_score":0.07244833770462057},{"text":"So we could just kinda wanna replace that with something a bit more low cost to make sure we're reducing the risk level where possible, but also make sure that we're removing those underperforming investments.","start":765.67,"end":775.53,"sentiment":"neutral","sentiment_score":0.14136003191981997}],"sentiment":"neutral","sentiment_score":0.13374227609795827,"num_words":120,"start":739.18,"end":775.53},{"sentences":[{"text":"Does that make sense?","start":775.67,"end":776.81,"sentiment":"neutral","sentiment_score":0.06326765846461058},{"text":"Yeah.","start":778.435,"end":778.835,"sentiment":"neutral","sentiment_score":0.21543395519256592},{"text":"Beautiful.","start":778.835,"end":779.335,"sentiment":"positive","sentiment_score":0.4766324758529663},{"text":"Beautiful.","start":779.555,"end":780.055,"sentiment":"positive","sentiment_score":0.4348953068256378},{"text":"Now having a look at your age as well, because one of the important things to look at is when you're hoping to retire, I've got Hina you're 46 this year.","start":780.515,"end":788.91504,"sentiment":"neutral","sentiment_score":0.03762318770731649}],"sentiment":"neutral","sentiment_score":0.06700924185937956,"num_words":38,"start":775.67,"end":788.91504},{"sentences":[{"text":"Is that right?","start":788.91504,"end":789.815,"sentiment":"neutral","sentiment_score":0.025270596146583557},{"text":"Yep.","start":790.88,"end":791.12,"sentiment":"neutral","sentiment_score":0.06637102365493774},{"text":"Beautiful.","start":791.12,"end":791.62,"sentiment":"neutral","sentiment_score":0.21088872849941256},{"text":"What age are you sort of hoping you'd like to be able to stop working and maybe access super?","start":792.56,"end":797.86005,"sentiment":"neutral","sentiment_score":-0.0403072287965762},{"text":"Yep.","start":801.2,"end":801.7,"sentiment":"neutral","sentiment_score":0.002205837517976761}],"sentiment":"neutral","sentiment_score":-0.0164223987609148,"num_words":25,"start":788.91504,"end":801.7},{"sentences":[{"text":"Do you think you're more likely or hoping to at 65, or do you think you're more likely to probably work a bit longer?","start":801.92004,"end":807.515,"sentiment":"neutral","sentiment_score":-0.02850687860821684},{"text":"Yeah.","start":810.455,"end":810.855,"sentiment":"neutral","sentiment_score":0.0902375504374504},{"text":"Yep.","start":810.855,"end":811.355,"sentiment":"neutral","sentiment_score":0.23192088305950165},{"text":"Yeah.","start":816.63,"end":816.95,"sentiment":"neutral","sentiment_score":0.27200931310653687},{"text":"That's okay.","start":816.95,"end":817.75,"sentiment":"positive","sentiment_score":0.36501041054725647}],"sentiment":"neutral","sentiment_score":0.022069775210372334,"num_words":29,"start":801.92004,"end":817.75},{"sentences":[{"text":"Not a problem at all.","start":817.75,"end":818.95,"sentiment":"positive","sentiment_score":0.4138493061065674},{"text":"So when we did go to update the advice, you know, the last advice piece you were given, we would have sort of shown you right up into the age of retirement what the projected outcome might look like, which always looks beautiful that long away.","start":818.95,"end":829.45,"sentiment":"neutral","sentiment_score":0.1801748152660287},{"text":"But what I'll do is I'll only update the advice to reflect the next ten years for you.","start":829.995,"end":834.255,"sentiment":"neutral","sentiment_score":0.1369820274412632},{"text":"It kinda gives us an idea of where we're tracking the next ten years, and we're working in ten year lots.","start":834.715,"end":839.515,"sentiment":"neutral","sentiment_score":0.19087711615221842},{"text":"So we know that in the next ten years, a lot contains in your life.","start":839.515,"end":843.195,"sentiment":"neutral","sentiment_score":0.09311732600132624}],"sentiment":"neutral","sentiment_score":0.17360137005647022,"num_words":105,"start":817.75,"end":843.195},{"sentences":[{"text":"I don't wanna project twenty or thirty years out because a lot there's too many things that could change in that in in that time frame.","start":843.195,"end":849.44995,"sentiment":"neutral","sentiment_score":-0.1813286505639553},{"text":"So I wanna make sure as we're kinda working towards your goal that we're doing it in lots of, you know, ten or fifteen years, and then we sort of update that every couple of couple of years to make sure we're staying on track and updating things more regularly for you.","start":849.91,"end":863.635,"sentiment":"neutral","sentiment_score":0.24432991387752387},{"text":"Does that make sense?","start":863.635,"end":864.35504,"sentiment":"neutral","sentiment_score":0.17541955783963203},{"text":"Does that sound okay with you, Steven?","start":864.35504,"end":866.05505,"sentiment":"neutral","sentiment_score":0.1960718653031758},{"text":"Yep.","start":867.635,"end":868.11505,"sentiment":"neutral","sentiment_score":0.3190041482448578}],"sentiment":"neutral","sentiment_score":0.11537551159660021,"num_words":90,"start":843.195,"end":868.11505},{"sentences":[{"text":"Perfect.","start":868.11505,"end":868.61505,"sentiment":"positive","sentiment_score":0.6164835691452026},{"text":"You're welcome to stop me and ask any questions you have.","start":868.99506,"end":872.11505,"sentiment":"positive","sentiment_score":0.4153144820169969},{"text":"I know I'm probably the happiest person to ever talk about super.","start":872.11505,"end":875.015,"sentiment":"neutral","sentiment_score":0.224470724662145},{"text":"But if you have questions or want me to break anything down more for you, please do let me know.","start":875.93,"end":881.45,"sentiment":"neutral","sentiment_score":0.15454015731811524},{"text":"Okay?","start":881.45,"end":881.95,"sentiment":"neutral","sentiment_score":0.11860993504524232}],"sentiment":"neutral","sentiment_score":0.24640010330412124,"num_words":45,"start":868.11505,"end":881.95},{"sentences":[{"text":"Beautiful.","start":883.61,"end":884.11,"sentiment":"positive","sentiment_score":0.5767213106155396},{"text":"Now one of the other things that's really important is looking at sort of this the tax consequences inside your super.","start":884.81,"end":890.305,"sentiment":"neutral","sentiment_score":0.140188044380574},{"text":"Because just like you do it and then your tax return with your accountant, your super does a tax return for your super every year as well, all the the trustees and the accounts.","start":890.305,"end":898.70496,"sentiment":"neutral","sentiment_score":0.11339151771629558},{"text":"So the super fund do a tax return every year for your super.","start":898.70496,"end":902.16,"sentiment":"neutral","sentiment_score":0.12299168167205957},{"text":"So one of the things I can look at is definitely looking at just replacing that Better Long Australian Equities with something else and maybe limiting the tax consequences of it that way for you.","start":902.87994,"end":913.69995,"sentiment":"neutral","sentiment_score":0.18298565766641073}],"sentiment":"neutral","sentiment_score":0.1478785742790653,"num_words":104,"start":883.61,"end":913.69995},{"sentences":[{"text":"But the other thing I just wanted to also sort of bring up was that, recently, our our investment committee along with our BlackRock's investment committee, and I'm not sure if you've ever heard of BlackRock before, but one of Australia's largest investment firms, we've actually joined together and built what's called a separately managed account.","start":914.0,"end":930.575,"sentiment":"neutral","sentiment_score":0.03978588527700465},{"text":"An SMA is essentially an investment product, a bit like what you've got your funds invested in.","start":931.35,"end":937.21,"sentiment":"neutral","sentiment_score":0.06592049033326261},{"text":"And you'd be if you wanted to go look at this as a product, you would be in the Oakview SMA.","start":937.51,"end":942.79,"sentiment":"neutral","sentiment_score":0.08340403579530262},{"text":"But in that on SMA, you actually have anywhere between 20 to 50 different investment options.","start":942.79,"end":948.065,"sentiment":"neutral","sentiment_score":0.07878693728707731},{"text":"The benefit to having an SMA is that when things like what happened with Bennelong occur, we can actually remove those underlying investments quickly and easily without having to update advice there for you.","start":948.52496,"end":961.82495,"sentiment":"neutral","sentiment_score":0.3026392240734661}],"sentiment":"neutral","sentiment_score":0.11562824498590392,"num_words":144,"start":914.0,"end":961.82495},{"sentences":[{"text":"The downside to having an SMA is that you can't see all the individual investments that you're invested in.","start":962.07,"end":967.51,"sentiment":"neutral","sentiment_score":-0.11159938515016907},{"text":"All you would see is your balance and that you're in that SMA.","start":967.51,"end":970.33,"sentiment":"neutral","sentiment_score":-0.08351742161008027},{"text":"What I would like to find out is would you be open to looking at something like that if it's gonna provide graded benefit, or would you like to see the way your investments are structured?","start":971.11005,"end":980.29504,"sentiment":"neutral","sentiment_score":0.05075692628613777},{"text":"What's more preferable to you?","start":980.35504,"end":982.61505,"sentiment":"neutral","sentiment_score":-0.11290753036737441},{"text":"Yeah.","start":983.315,"end":983.815,"sentiment":"neutral","sentiment_score":0.0830368846654892}],"sentiment":"neutral","sentiment_score":-0.025140084049387557,"num_words":74,"start":962.07,"end":983.815},{"sentences":[{"text":"Yeah.","start":985.955,"end":986.455,"sentiment":"neutral","sentiment_score":0.2716415226459503},{"text":"Yeah.","start":989.155,"end":989.655,"sentiment":"neutral","sentiment_score":0.2922593951225281},{"text":"Perfect.","start":990.35504,"end":990.835,"sentiment":"positive","sentiment_score":0.503605842590332},{"text":"Well, I promise I will look after you.","start":990.835,"end":992.85504,"sentiment":"neutral","sentiment_score":0.21906980127096176},{"text":"Yeah.","start":996.39,"end":996.89,"sentiment":"neutral","sentiment_score":0.0022662142291665077}],"sentiment":"neutral","sentiment_score":0.23519428206297258,"num_words":12,"start":985.955,"end":996.89},{"sentences":[{"text":"Yep.","start":998.23,"end":998.73,"sentiment":"neutral","sentiment_score":0.006418253295123577},{"text":"Yep.","start":999.59,"end":1000.09,"sentiment":"neutral","sentiment_score":-0.026426002383232117},{"text":"That's okay.","start":1001.91003,"end":1002.81,"sentiment":"neutral","sentiment_score":0.11761657148599625},{"text":"Not a problem.","start":1002.95,"end":1003.51,"sentiment":"neutral","sentiment_score":0.1962609887123108},{"text":"Well, you can use me to the full advantage.","start":1003.51,"end":1005.45,"sentiment":"positive","sentiment_score":0.3749745885531108}],"sentiment":"neutral","sentiment_score":0.2611737285624258,"num_words":16,"start":998.23,"end":1005.45},{"sentences":[{"text":"I can go back and look at all of those options for you, look at the tax consequences.","start":1005.51,"end":1009.175,"sentiment":"neutral","sentiment_score":0.28265076461765504},{"text":"I can look at the cost of it.","start":1009.315,"end":1010.855,"sentiment":"neutral","sentiment_score":0.20695642195641994},{"text":"And then I can update the recommendations to reflect which way I think we should go, and I can show you the reasoning, the cost, the CGT, all of the things around that so you can, let me know what you're comfortable with.","start":1011.235,"end":1023.15497,"sentiment":"neutral","sentiment_score":0.2590205050831617},{"text":"Does that sound okay?","start":1023.15497,"end":1024.2151,"sentiment":"neutral","sentiment_score":0.22751861065626144},{"text":"Yeah.","start":1025.42,"end":1025.74,"sentiment":"positive","sentiment_score":0.4901161789894104}],"sentiment":"neutral","sentiment_score":0.26055996593188596,"num_words":74,"start":1005.51,"end":1025.74},{"sentences":[{"text":"Beautiful.","start":1025.74,"end":1026.24,"sentiment":"positive","sentiment_score":0.7478770017623901},{"text":"I'll do all that research there for you, and I'll update their advice document to reflect.","start":1026.3,"end":1030.48,"sentiment":"positive","sentiment_score":0.3481888761743903},{"text":"I know you do have a bit more in CareSoup, but we'll retain CareSoup the way it is for the moment just until I update the advice document.","start":1030.9401,"end":1037.92,"sentiment":"neutral","sentiment_score":0.08184876346162387},{"text":"And in that, I'll also look at the investors within CareSoup before you just see whether we need to alter those or whether you're invested correctly there.","start":1038.595,"end":1045.6349,"sentiment":"neutral","sentiment_score":0.07724068562189738},{"text":"Okay?","start":1045.6349,"end":1046.1349,"sentiment":"neutral","sentiment_score":0.1483839452266693}],"sentiment":"neutral","sentiment_score":0.14855543636295893,"num_words":73,"start":1025.74,"end":1046.1349},{"sentences":[{"text":"Perfect.","start":1047.875,"end":1048.375,"sentiment":"positive","sentiment_score":0.5758417844772339},{"text":"Now a couple of other questions just to kinda gauge on your risk level and where we are and what you should be maybe invested in.","start":1049.475,"end":1055.87,"sentiment":"neutral","sentiment_score":0.02679697904162682},{"text":"Having a look so sorry.","start":1056.65,"end":1058.25,"sentiment":"neutral","sentiment_score":-0.09489471167325973},{"text":"My throat's a little bit sore.","start":1058.25,"end":1059.29,"sentiment":"negative","sentiment_score":-0.3967645466327667},{"text":"I do apologize that I keep pausing.","start":1059.29,"end":1061.15,"sentiment":"neutral","sentiment_score":-0.26205803666796}],"sentiment":"neutral","sentiment_score":-0.07593119678397973,"num_words":45,"start":1047.875,"end":1061.15},{"sentences":[{"text":"Just with the so if you looked at your sleep over the next sort of six months to twelve months, and you sort of found that it had fallen, whether it'd be 10%, twenty percent, how do you think you might be feeling about that?","start":1063.53,"end":1075.6449,"sentiment":"neutral","sentiment_score":-0.10847420485483275},{"text":"Yeah.","start":1078.745,"end":1079.245,"sentiment":"neutral","sentiment_score":-0.04023604840040207},{"text":"Yeah.","start":1081.08,"end":1081.32,"sentiment":"neutral","sentiment_score":-0.03805822134017944},{"text":"Do you think you'd be wanting to put more money in to try and get take advantage of the TIF, or do you think you might just be wanting to hold and wait and let it recover and maybe talk to us at the time?","start":1081.32,"end":1090.76,"sentiment":"neutral","sentiment_score":-0.05285991376472844},{"text":"How do you think you might be feeling?","start":1090.76,"end":1092.38,"sentiment":"neutral","sentiment_score":-0.019539812114089727}],"sentiment":"neutral","sentiment_score":-0.07494648104533554,"num_words":100,"start":1063.53,"end":1092.38},{"sentences":[{"text":"Yep.","start":1092.9199,"end":1093.4199,"sentiment":"neutral","sentiment_score":0.05014605447649956},{"text":"Yep.","start":1095.815,"end":1096.315,"sentiment":"neutral","sentiment_score":0.1946829855442047},{"text":"Beautiful.","start":1096.5349,"end":1097.0349,"sentiment":"positive","sentiment_score":0.6043441891670227},{"text":"Fantastic.","start":1097.6549,"end":1098.1549,"sentiment":"positive","sentiment_score":0.5752975940704346},{"text":"When you think about your super, do you feel comfortable taking on a higher level of risk to try and get greater potential returns, or do you feel a bit more risk averse with the ups and downs that we're sort of seeing at the moment?","start":1099.975,"end":1110.73,"sentiment":"neutral","sentiment_score":-0.015667373476468998}],"sentiment":"neutral","sentiment_score":0.014075432866811753,"num_words":50,"start":1092.9199,"end":1110.73},{"sentences":[{"text":"How do you feel about risk in the market?","start":1110.73,"end":1112.75,"sentiment":"neutral","sentiment_score":-0.047946264346440635},{"text":"Yep.","start":1117.29,"end":1117.79,"sentiment":"neutral","sentiment_score":0.02001333236694336},{"text":"Yeah.","start":1120.65,"end":1120.89,"sentiment":"neutral","sentiment_score":0.04834220930933952},{"text":"Yeah.","start":1120.89,"end":1121.21,"sentiment":"neutral","sentiment_score":0.13032248616218567},{"text":"Perfect.","start":1121.21,"end":1121.71,"sentiment":"neutral","sentiment_score":0.31937310099601746}],"sentiment":"neutral","sentiment_score":0.006656519208963101,"num_words":13,"start":1110.73,"end":1121.71},{"sentences":[{"text":"So you're comfortable taking on a a moderate to medium amount of risk.","start":1121.77,"end":1125.115,"sentiment":"neutral","sentiment_score":0.15596318130309766},{"text":"You wanna get the best returns you can, but not wanting to just go all in.","start":1125.115,"end":1129.055,"sentiment":"neutral","sentiment_score":0.1629384057596326},{"text":"Yep.","start":1130.715,"end":1131.115,"sentiment":"neutral","sentiment_score":0.09396921843290328},{"text":"Yep.","start":1131.115,"end":1131.515,"sentiment":"neutral","sentiment_score":0.14936445653438568},{"text":"Perfect.","start":1131.515,"end":1132.015,"sentiment":"positive","sentiment_score":0.5841041803359985}],"sentiment":"neutral","sentiment_score":0.17068667826242745,"num_words":32,"start":1121.77,"end":1132.015},{"sentences":[{"text":"Lovely.","start":1132.555,"end":1133.055,"sentiment":"neutral","sentiment_score":0.02553403377532959},{"text":"And am I right in thinking you're trying to sort of get the best returns you possibly can out of your sleep, aiming for the the sky's the limit there to get you super working as hard as possible?","start":1133.115,"end":1142.02,"sentiment":"positive","sentiment_score":0.35708795592952997},{"text":"Yep.","start":1143.92,"end":1144.42,"sentiment":"positive","sentiment_score":0.3422248363494873},{"text":"Perfect.","start":1144.56,"end":1145.06,"sentiment":"positive","sentiment_score":0.6532963514328003},{"text":"And just sort of thinking about investing as well, have you ever owned direct shares or managed funds in your own name at all?","start":1146.3201,"end":1153.38,"sentiment":"neutral","sentiment_score":0.16610325934986273}],"sentiment":"neutral","sentiment_score":0.2868782382909999,"num_words":66,"start":1132.555,"end":1153.38},{"sentences":[{"text":"Nope.","start":1154.815,"end":1155.135,"sentiment":"neutral","sentiment_score":-0.10651233792304993},{"text":"That's okay.","start":1155.135,"end":1155.875,"sentiment":"neutral","sentiment_score":0.0967926261946559},{"text":"Beautiful.","start":1156.1749,"end":1156.6749,"sentiment":"positive","sentiment_score":0.576193630695343},{"text":"And do you think you'd ever be open to the option of maybe borrowing money from a financial institution in order to invest, or it's something you wouldn't wanna consider?","start":1157.375,"end":1165.615,"sentiment":"neutral","sentiment_score":0.027391232860585053},{"text":"You'd only borrow for, say, property?","start":1165.615,"end":1167.3949,"sentiment":"neutral","sentiment_score":-0.057000781409442425}],"sentiment":"neutral","sentiment_score":0.02857497106306255,"num_words":40,"start":1154.815,"end":1167.3949},{"sentences":[{"text":"Yeah.","start":1169.5801,"end":1170.0801,"sentiment":"neutral","sentiment_score":0.02738349884748459},{"text":"Yeah.","start":1174.14,"end":1174.64,"sentiment":"neutral","sentiment_score":-0.08940240740776062},{"text":"Okay.","start":1178.38,"end":1178.88,"sentiment":"neutral","sentiment_score":-0.07484999299049377},{"text":"No.","start":1179.26,"end":1179.5801,"sentiment":"neutral","sentiment_score":-0.10927996039390564},{"text":"That's okay.","start":1179.5801,"end":1180.48,"sentiment":"neutral","sentiment_score":-0.03768247365951538}],"sentiment":"neutral","sentiment_score":-0.05358563487728437,"num_words":6,"start":1169.5801,"end":1180.48},{"sentences":[{"text":"Well, if you ever do wanna talk about investing outside of super, please give me a call.","start":1181.145,"end":1185.2251,"sentiment":"neutral","sentiment_score":0.012471258859424031},{"text":"Let me know.","start":1185.2251,"end":1186.125,"sentiment":"neutral","sentiment_score":0.05063309147953987},{"text":"As part of us, we are a financial adviser, and I can give you advice on other areas, not just sort of looking at super.","start":1186.505,"end":1192.3451,"sentiment":"neutral","sentiment_score":0.09885444223880768},{"text":"We start with super insurances because that's kind of we're working towards your retirement goals and and having the insurances that'll protect your lifestyle.","start":1192.3451,"end":1200.1,"sentiment":"neutral","sentiment_score":0.21305805817246437},{"text":"But if you wanted to talk about investing outside of super, we can also provide advice in those areas for you.","start":1201.0399,"end":1206.32,"sentiment":"neutral","sentiment_score":0.13133689069322177}],"sentiment":"neutral","sentiment_score":0.11896377590795358,"num_words":90,"start":1181.145,"end":1206.32},{"sentences":[{"text":"We have mortgage brokers that you can talk to if you wanted to have your mortgage reevaluated as well.","start":1206.32,"end":1211.975,"sentiment":"neutral","sentiment_score":0.09678417091306887},{"text":"So feel free to give us a call.","start":1211.975,"end":1213.975,"sentiment":"neutral","sentiment_score":0.17088773101568222},{"text":"Let me know if there's any questions you have.","start":1213.975,"end":1215.895,"sentiment":"neutral","sentiment_score":0.16578326788213518},{"text":"If I can ask them or give advice, I will.","start":1215.895,"end":1218.475,"sentiment":"neutral","sentiment_score":0.1332612931728363},{"text":"If I can't, I can refer you through to someone who can help you.","start":1218.775,"end":1222.375,"sentiment":"neutral","sentiment_score":0.1248907803424767}],"sentiment":"neutral","sentiment_score":0.129652239382267,"num_words":60,"start":1206.32,"end":1222.375},{"sentences":[{"text":"Okay?","start":1222.375,"end":1222.875,"sentiment":"neutral","sentiment_score":0.15210795402526855},{"text":"Yeah.","start":1224.51,"end":1224.9901,"sentiment":"neutral","sentiment_score":0.2296890914440155},{"text":"Not a problem at all.","start":1224.9901,"end":1226.4501,"sentiment":"neutral","sentiment_score":0.24245544373989106},{"text":"Now I've just done that risk profile questionnaire with you.","start":1226.9901,"end":1229.63,"sentiment":"neutral","sentiment_score":0.15262967199087143},{"text":"How you have scored is more of a growth investor.","start":1229.63,"end":1232.05,"sentiment":"neutral","sentiment_score":0.1076093040406704}],"sentiment":"neutral","sentiment_score":0.15542459349941323,"num_words":27,"start":1222.375,"end":1232.05},{"sentences":[{"text":"So you are in that kind of growth environment at the moment, and, generally, this sort of investor sees about 80% of their super invested in growth assets.","start":1232.1901,"end":1241.465,"sentiment":"neutral","sentiment_score":0.12979099876247346},{"text":"So you're thinking about things like Australian shares, international shares, some listed property, and also some commodities like gold and silver there as well.","start":1241.465,"end":1250.125,"sentiment":"neutral","sentiment_score":0.04609772462087373},{"text":"The other 20% would be, you know, slower risk kind of defensive investments, the things like cash, bonds, and fixed interest.","start":1250.745,"end":1257.51,"sentiment":"neutral","sentiment_score":-0.056259267298238616},{"text":"This is by no means at the top of that investor scale.","start":1257.51,"end":1260.31,"sentiment":"neutral","sentiment_score":-0.12136197183281183},{"text":"You're kind of midway at the moment.","start":1260.31,"end":1262.17,"sentiment":"neutral","sentiment_score":-0.07159550381558281}],"sentiment":"neutral","sentiment_score":0.017408006024830367,"num_words":92,"start":1232.1901,"end":1262.17},{"sentences":[{"text":"Do you feel like you're comfortable staying in that kind of area, or would you wanna maybe look at evaluating that?","start":1262.63,"end":1268.25,"sentiment":"neutral","sentiment_score":-0.012817399487608955},{"text":"Yeah.","start":1272.025,"end":1272.505,"sentiment":"neutral","sentiment_score":0.10236261039972304},{"text":"Yep.","start":1272.505,"end":1272.745,"sentiment":"neutral","sentiment_score":0.12287430465221404},{"text":"Yep.","start":1272.745,"end":1273.0651,"sentiment":"neutral","sentiment_score":0.20437690615653992},{"text":"Beautiful.","start":1273.0651,"end":1273.5651,"sentiment":"positive","sentiment_score":0.5252518057823181}],"sentiment":"neutral","sentiment_score":0.027428009510040284,"num_words":25,"start":1262.63,"end":1273.5651},{"sentences":[{"text":"To give you a bit of an idea with that growth sort of environment there, it normally suits someone who has at least six years before they're needing or wanting to access their their money or their super, so you do kind of have that time horizon for it.","start":1273.945,"end":1286.2999,"sentiment":"neutral","sentiment_score":0.14317776247554895},{"text":"With the way we see the investments going with that growth portfolio, we are aiming for about a seven to 9% return on an annual basis compounding that forward.","start":1287.0,"end":1295.8999,"sentiment":"neutral","sentiment_score":0.10585398715117882},{"text":"But we do understand because markets go up and down, we can expect a likelihood of a negative return sort of one in every five years.","start":1296.225,"end":1303.445,"sentiment":"neutral","sentiment_score":-0.24606770964769217},{"text":"Do you feel you feel comfortable with that if that's okay?","start":1303.985,"end":1306.725,"sentiment":"neutral","sentiment_score":-0.130823628468947},{"text":"Yep.","start":1308.065,"end":1308.54,"sentiment":"neutral","sentiment_score":0.19239327311515808}],"sentiment":"neutral","sentiment_score":0.021043524981058877,"num_words":116,"start":1273.945,"end":1308.54},{"sentences":[{"text":"Beautiful.","start":1308.78,"end":1309.1001,"sentiment":"positive","sentiment_score":0.44075506925582886},{"text":"And you've got lot a lot longer that that 60 time horizon ahead of you.","start":1309.1001,"end":1313.02,"sentiment":"neutral","sentiment_score":0.0761307050784429},{"text":"We can't actually access super to 60 at this point, so we've got a lot of working life ahead of us.","start":1313.02,"end":1318.86,"sentiment":"neutral","sentiment_score":-0.022759176790714264},{"text":"And I'm almost the same age as you, so don't worry.","start":1318.86,"end":1322.06,"sentiment":"neutral","sentiment_score":0.050366161560470406},{"text":"I'm in the same boat.","start":1322.06,"end":1323.36,"sentiment":"neutral","sentiment_score":0.08119851499795913}],"sentiment":"neutral","sentiment_score":0.038958363867593264,"num_words":53,"start":1308.78,"end":1323.36},{"sentences":[{"text":"Yeah.","start":1324.795,"end":1325.295,"sentiment":"neutral","sentiment_score":0.07793587446212769},{"text":"No.","start":1325.355,"end":1325.595,"sentiment":"neutral","sentiment_score":0.054648008197546005},{"text":"That's perfectly fine.","start":1325.595,"end":1326.7151,"sentiment":"neutral","sentiment_score":0.12391081949075063},{"text":"Well, I'll I'll look at the growth portfolio, look at the investments between the two, do the research rather to sort of see what we have got and what it looks like for you.","start":1326.7151,"end":1334.7151,"sentiment":"neutral","sentiment_score":0.13776583180708044},{"text":"And I can update the advice to reflect.","start":1334.7151,"end":1337.055,"sentiment":"neutral","sentiment_score":0.09967607166618109}],"sentiment":"neutral","sentiment_score":0.12735666374259808,"num_words":47,"start":1324.795,"end":1337.055},{"sentences":[{"text":"Just so you are aware, Steven.","start":1337.58,"end":1339.28,"sentiment":"neutral","sentiment_score":0.047182222828269005},{"text":"All the advice that we do provide, because you're an ongoing service client, you pay us an ongoing service fee.","start":1339.5,"end":1344.86,"sentiment":"neutral","sentiment_score":0.06888453271239996},{"text":"So that fee is 1.65% per annum.","start":1344.86,"end":1347.76,"sentiment":"neutral","sentiment_score":0.04725705459713936},{"text":"It is calculated and deducted out of your super on a smaller monthly basis.","start":1347.9,"end":1351.76,"sentiment":"neutral","sentiment_score":0.09464300956044878},{"text":"And the idea of that as a percentage based fee is it fluctuates with the market.","start":1352.3351,"end":1356.255,"sentiment":"neutral","sentiment_score":0.045214704048703425}],"sentiment":"neutral","sentiment_score":0.06412731384163693,"num_words":63,"start":1337.58,"end":1356.255},{"sentences":[{"text":"So when the market's doing really well, when you're getting really good returns, it does mean that we earn a bit more.","start":1356.255,"end":1361.295,"sentiment":"positive","sentiment_score":0.3462227020751346},{"text":"However, if the market was to take a bit of a dip due to the market fluctuations or what we are seeing, it means that our our fee does go down with it.","start":1361.295,"end":1369.5901,"sentiment":"neutral","sentiment_score":-0.17641473990498166},{"text":"So having a percentage based fee does mean it is linked to the performance of your super there as well, which is a matter of it.","start":1369.5901,"end":1376.49,"sentiment":"neutral","sentiment_score":0.07821478852285789},{"text":"But part of that is making sure that we're updating the advice for you.","start":1376.87,"end":1380.15,"sentiment":"neutral","sentiment_score":0.06932111510208674},{"text":"So there's no Yeah.","start":1380.15,"end":1393.89,"sentiment":"neutral","sentiment_score":0.056513143703341484}],"sentiment":"neutral","sentiment_score":0.05076106784470154,"num_words":99,"start":1356.255,"end":1393.89},{"sentences":[{"text":"Yeah.","start":1393.97,"end":1394.29,"sentiment":"neutral","sentiment_score":0.04459745064377785},{"text":"But we shouldn't be earning the same amount regardless of what's happening to your super.","start":1394.29,"end":1397.89,"sentiment":"neutral","sentiment_score":-0.1423737163345019},{"text":"I know there are advisers that do, like I said, dollar figure fee, and that means that they're making the same amount every year or every month regardless of what your super is doing.","start":1397.89,"end":1406.13,"sentiment":"neutral","sentiment_score":-0.015926319667521643},{"text":"So Savvy and Bart, when they set up, oh, you were all about the client and making sure that we're earning money, but we don't wanna be earning the same amount every month regardless of what your portfolio is doing.","start":1406.13,"end":1416.475,"sentiment":"neutral","sentiment_score":0.01962612560018897},{"text":"It's kind of making sure that things are working, and we know that markets go up and down.","start":1416.475,"end":1421.355,"sentiment":"neutral","sentiment_score":0.011191566086684665}],"sentiment":"neutral","sentiment_score":-0.015240832865755592,"num_words":108,"start":1393.97,"end":1421.355},{"sentences":[{"text":"We expect those most market fluctuations.","start":1421.355,"end":1423.82,"sentiment":"neutral","sentiment_score":-0.08368100846807162},{"text":"And so when the market is taking a dip, we our fee should take a bit of a dip with it as well.","start":1424.04,"end":1429.4,"sentiment":"neutral","sentiment_score":-0.04899826937395593},{"text":"So that's why the the fee structure was set up that way.","start":1429.4,"end":1432.22,"sentiment":"neutral","sentiment_score":0.006829043384641409},{"text":"Okay.","start":1432.28,"end":1432.78,"sentiment":"neutral","sentiment_score":0.07347549498081207},{"text":"Yeah.","start":1434.36,"end":1434.735,"sentiment":"neutral","sentiment_score":0.19848915934562683}],"sentiment":"neutral","sentiment_score":-0.029654257475983267,"num_words":43,"start":1421.355,"end":1434.735},{"sentences":[{"text":"Perfect.","start":1435.215,"end":1435.715,"sentiment":"positive","sentiment_score":0.379910409450531},{"text":"We did kinda touched on just before as well with the insurances.","start":1437.135,"end":1440.595,"sentiment":"neutral","sentiment_score":0.05597380238274733},{"text":"Now they have been sort of set up and left in care so far, and you've got the life and TPD component there.","start":1440.735,"end":1446.515,"sentiment":"neutral","sentiment_score":-0.016170124452480155},{"text":"You don't have any income protection or trauma cover.","start":1447.135,"end":1450.71,"sentiment":"neutral","sentiment_score":-0.17217212915420532},{"text":"I know given, you know, you before you were prediabetic when you came on board originally and just with your height and weight and your circumstances health wise, it was gonna be very expensive and difficult to get no cover.","start":1450.95,"end":1462.89,"sentiment":"neutral","sentiment_score":-0.15910318195819856}],"sentiment":"neutral","sentiment_score":-0.0851058031185804,"num_words":85,"start":1435.215,"end":1462.89},{"sentences":[{"text":"If in the event that you were not able to go to work, do you have much sick leave, annual leave, or long service leave, or savings to sort of fall back on?","start":1463.985,"end":1471.505,"sentiment":"neutral","sentiment_score":-0.09681739579095985},{"text":"How would you sort of cover your expenditure?","start":1471.505,"end":1473.925,"sentiment":"neutral","sentiment_score":-0.06519284984096885},{"text":"Yep.","start":1483.04,"end":1483.4401,"sentiment":"neutral","sentiment_score":0.07448583096265793},{"text":"Yep.","start":1483.4401,"end":1483.9401,"sentiment":"neutral","sentiment_score":0.03258674591779709},{"text":"Okay.","start":1485.4401,"end":1485.9401,"sentiment":"neutral","sentiment_score":0.05740543454885483}],"sentiment":"neutral","sentiment_score":-0.08072815564545718,"num_words":44,"start":1463.985,"end":1485.9401},{"sentences":[{"text":"Okay.","start":1492.9751,"end":1493.4751,"sentiment":"neutral","sentiment_score":0.06481155008077621},{"text":"Okay.","start":1495.6151,"end":1496.1151,"sentiment":"neutral","sentiment_score":0.14825013279914856},{"text":"Perfect.","start":1496.175,"end":1496.675,"sentiment":"positive","sentiment_score":0.6137653589248657},{"text":"Oh, lovely.","start":1500.11,"end":1500.75,"sentiment":"positive","sentiment_score":0.49761176109313965},{"text":"So it's a family home.","start":1500.75,"end":1502.0299,"sentiment":"neutral","sentiment_score":0.16740275025367737}],"sentiment":"neutral","sentiment_score":0.2659064315259457,"num_words":10,"start":1492.9751,"end":1502.0299},{"sentences":[{"text":"Is that owned with your siblings?","start":1502.0299,"end":1503.8099,"sentiment":"neutral","sentiment_score":0.055380672216415405},{"text":"Or okay.","start":1503.95,"end":1506.69,"sentiment":"neutral","sentiment_score":0.12087699957191944},{"text":"Perfect.","start":1506.83,"end":1507.33,"sentiment":"positive","sentiment_score":0.33562642335891724},{"text":"And what portion of it is yours?","start":1507.95,"end":1510.13,"sentiment":"neutral","sentiment_score":0.06618326210549899},{"text":"Mhmm.","start":1522.125,"end":1522.445,"sentiment":"neutral","sentiment_score":0.010627713054418564}],"sentiment":"neutral","sentiment_score":0.08138676491730354,"num_words":17,"start":1502.0299,"end":1522.445},{"sentences":[{"text":"Yeah.","start":1522.445,"end":1522.945,"sentiment":"neutral","sentiment_score":0.009365277364850044},{"text":"So when he passes away, that'll probably get sold off and then divvied up between all of you?","start":1527.28,"end":1532.26,"sentiment":"neutral","sentiment_score":0.010099572491728596},{"text":"Yep.","start":1533.4401,"end":1533.9401,"sentiment":"neutral","sentiment_score":0.03125578537583351},{"text":"Yep.","start":1534.24,"end":1534.74,"sentiment":"neutral","sentiment_score":0.03998163715004921},{"text":"And sold later down the track.","start":1538.5751,"end":1540.515,"sentiment":"neutral","sentiment_score":0.04452386560539404}],"sentiment":"neutral","sentiment_score":0.019612525865711546,"num_words":27,"start":1522.445,"end":1540.515},{"sentences":[{"text":"Lovely.","start":1540.655,"end":1541.155,"sentiment":"positive","sentiment_score":0.368588387966156},{"text":"Oh, and do you get to see your dad very often?","start":1542.015,"end":1544.5951,"sentiment":"neutral","sentiment_score":0.09451834857463837},{"text":"80 three is good.","start":1544.8151,"end":1546.035,"sentiment":"neutral","sentiment_score":0.15773893892765045},{"text":"Yeah.","start":1546.175,"end":1546.675,"sentiment":"neutral","sentiment_score":0.04318540543317795},{"text":"Oh, that's lovely.","start":1549.4701,"end":1550.4501,"sentiment":"neutral","sentiment_score":0.2853553791840871}],"sentiment":"neutral","sentiment_score":0.14692487604916096,"num_words":20,"start":1540.655,"end":1550.4501},{"sentences":[{"text":"Beautiful.","start":1553.39,"end":1553.89,"sentiment":"positive","sentiment_score":0.37831082940101624},{"text":"And it's in so it's owned in that.","start":1554.27,"end":1556.51,"sentiment":"neutral","sentiment_score":0.09813916310667992},{"text":"Is your dad owns a share of it as well?","start":1556.51,"end":1559.17,"sentiment":"neutral","sentiment_score":0.06797591932117938},{"text":"Yes.","start":1566.205,"end":1566.2849,"sentiment":"neutral","sentiment_score":0.08960312604904175},{"text":"Yes.","start":1566.2849,"end":1566.7649,"sentiment":"neutral","sentiment_score":0.12462568283081056}],"sentiment":"neutral","sentiment_score":0.09797200649267152,"num_words":21,"start":1553.39,"end":1566.7649},{"sentences":[{"text":"Perfect.","start":1566.7649,"end":1567.2649,"sentiment":"neutral","sentiment_score":0.25578999519348145},{"text":"And then each earn a third of that.","start":1568.0449,"end":1571.2649,"sentiment":"neutral","sentiment_score":0.1736227534711361},{"text":"Perfect.","start":1574.72,"end":1575.22,"sentiment":"positive","sentiment_score":0.458609402179718},{"text":"I'll just make some notes here.","start":1575.76,"end":1577.4401,"sentiment":"neutral","sentiment_score":0.28291405985752743},{"text":"And then when sold, you get a third each.","start":1577.4401,"end":1579.78,"sentiment":"neutral","sentiment_score":0.2458333604865604}],"sentiment":"neutral","sentiment_score":0.24053464114665984,"num_words":25,"start":1566.7649,"end":1579.78},{"sentences":[{"text":"I'm glad you get to spend some time with your dad.","start":1582.16,"end":1584.315,"sentiment":"positive","sentiment_score":0.6066376729445024},{"text":"Really important.","start":1584.5549,"end":1585.2949,"sentiment":"neutral","sentiment_score":0.3179191052913666},{"text":"I'm taking my kids to ever see their great grandparents or great grandmother in a few weeks for Easter, and she's 86.","start":1585.355,"end":1592.315,"sentiment":"neutral","sentiment_score":0.1520882069387219},{"text":"So it's pretty cool.","start":1592.315,"end":1593.5349,"sentiment":"neutral","sentiment_score":0.18433026038110256},{"text":"Yeah.","start":1594.075,"end":1594.575,"sentiment":"neutral","sentiment_score":0.23927241563796997}],"sentiment":"neutral","sentiment_score":0.29078466556966304,"num_words":40,"start":1582.16,"end":1594.575},{"sentences":[{"text":"It's important to have those memories.","start":1595.115,"end":1597.1349,"sentiment":"positive","sentiment_score":0.4233991503715515},{"text":"Yeah.","start":1599.1,"end":1599.6,"sentiment":"positive","sentiment_score":0.3574528694152832},{"text":"Beautiful.","start":1599.66,"end":1600.16,"sentiment":"neutral","sentiment_score":0.1819404661655426},{"text":"Speaking about kids, I've got down here sorry, that you do have a child or a financial dependent at home.","start":1600.94,"end":1606.7,"sentiment":"neutral","sentiment_score":-0.05336407544091344},{"text":"Do you have any kids at home?","start":1606.7,"end":1608.24,"sentiment":"neutral","sentiment_score":-0.01856872093464647}],"sentiment":"neutral","sentiment_score":0.05378644806998117,"num_words":35,"start":1595.115,"end":1608.24},{"sentences":[{"text":"Just the one daughter?","start":1610.235,"end":1611.275,"sentiment":"neutral","sentiment_score":0.011384203564375639},{"text":"Lovely.","start":1611.275,"end":1611.595,"sentiment":"neutral","sentiment_score":0.21662849187850952},{"text":"How old is she?","start":1611.595,"end":1612.655,"sentiment":"neutral","sentiment_score":0.06011639256030321},{"text":"Oh, beautiful age.","start":1614.235,"end":1615.6951,"sentiment":"positive","sentiment_score":0.3336058060328166},{"text":"School next year?","start":1617.595,"end":1618.975,"sentiment":"neutral","sentiment_score":0.0826152836283048}],"sentiment":"neutral","sentiment_score":0.11675294302403927,"num_words":15,"start":1610.235,"end":1618.975},{"sentences":[{"text":"Yep.","start":1621.435,"end":1621.935,"sentiment":"neutral","sentiment_score":0.0677223950624466},{"text":"Yep.","start":1624.78,"end":1625.28,"sentiment":"neutral","sentiment_score":0.06144409626722336},{"text":"Oh, that is a beautiful age.","start":1626.7,"end":1628.7,"sentiment":"positive","sentiment_score":0.5308357874552408},{"text":"That's fantastic.","start":1628.7,"end":1629.6,"sentiment":"positive","sentiment_score":0.7610084116458893},{"text":"And I've got down here that you are married as well.","start":1630.7,"end":1633.02,"sentiment":"neutral","sentiment_score":0.19571168382059445}],"sentiment":"neutral","sentiment_score":0.33281078863711583,"num_words":21,"start":1621.435,"end":1633.02},{"sentences":[{"text":"No changes there at all?","start":1633.02,"end":1634.64,"sentiment":"neutral","sentiment_score":0.015425414592027665},{"text":"No.","start":1635.705,"end":1636.205,"sentiment":"neutral","sentiment_score":0.00989202968776226},{"text":"Beautiful.","start":1636.265,"end":1636.765,"sentiment":"neutral","sentiment_score":0.12409697473049164},{"text":"And so I don't have your wife down here as your next of kin.","start":1637.065,"end":1640.105,"sentiment":"neutral","sentiment_score":-0.02267945870491011},{"text":"Is it Bonnie?","start":1640.105,"end":1641.405,"sentiment":"neutral","sentiment_score":0.003430907614529133}],"sentiment":"neutral","sentiment_score":-0.004004317568615079,"num_words":24,"start":1633.02,"end":1641.405},{"sentences":[{"text":"Yep.","start":1642.665,"end":1643.065,"sentiment":"neutral","sentiment_score":0.024572892114520073},{"text":"Lovely.","start":1643.065,"end":1643.465,"sentiment":"neutral","sentiment_score":0.08345964550971985},{"text":"Do you happen to know her contact phone number off by heart at all?","start":1643.465,"end":1646.765,"sentiment":"neutral","sentiment_score":0.023611498331385},{"text":"Yep.","start":1648.89,"end":1649.39,"sentiment":"neutral","sentiment_score":0.011535834521055222},{"text":"Yep.","start":1651.21,"end":1651.71,"sentiment":"neutral","sentiment_score":0.008675187826156616}],"sentiment":"neutral","sentiment_score":0.025489140922824543,"num_words":18,"start":1642.665,"end":1651.71},{"sentences":[{"text":"Four nine eight.","start":1653.37,"end":1654.1699,"sentiment":"neutral","sentiment_score":0.012880013324320316},{"text":"Beautiful.","start":1654.1699,"end":1654.65,"sentiment":"positive","sentiment_score":0.3967768549919128},{"text":"Thank you for updating that.","start":1654.65,"end":1655.77,"sentiment":"positive","sentiment_score":0.5684862613677979},{"text":"I do appreciate it.","start":1655.77,"end":1657.07,"sentiment":"positive","sentiment_score":0.5450718402862549},{"text":"And also having a look here, it looks we don't have any beneficiaries on file for you.","start":1657.2899,"end":1661.945,"sentiment":"neutral","sentiment_score":0.005279562271693174}],"sentiment":"neutral","sentiment_score":0.18492960405225556,"num_words":30,"start":1653.37,"end":1661.945},{"sentences":[{"text":"So if in the event that you were to pass away, is there any particular direction on what you're wanting to happen to your super and the life insurance that you do hold within CareSoup?","start":1661.945,"end":1671.485,"sentiment":"neutral","sentiment_score":-0.008112358887280737},{"text":"You wanna alter Bonnie?","start":1673.6901,"end":1674.7301,"sentiment":"neutral","sentiment_score":0.003644469426944852},{"text":"Not a problem at all.","start":1674.7301,"end":1675.53,"sentiment":"neutral","sentiment_score":0.08475720435380936},{"text":"It is really important that we have the beneficiaries completed.","start":1675.53,"end":1678.5901,"sentiment":"neutral","sentiment_score":0.11841552034020424},{"text":"We're happy to prefill them and help you out prior to sending them to be signed.","start":1678.65,"end":1682.67,"sentiment":"neutral","sentiment_score":0.17697465978562832}],"sentiment":"neutral","sentiment_score":0.059574015691344226,"num_words":70,"start":1661.945,"end":1682.67},{"sentences":[{"text":"Are you comfortable with us filling it out with Bonnie's details?","start":1683.05,"end":1685.87,"sentiment":"neutral","sentiment_score":0.05120593173937364},{"text":"Yeah.","start":1687.375,"end":1687.695,"sentiment":"neutral","sentiment_score":0.08715711534023285},{"text":"Lovely.","start":1687.695,"end":1688.175,"sentiment":"neutral","sentiment_score":0.1707548201084137},{"text":"And her name is spelled b o, n n, I e.","start":1688.175,"end":1690.8151,"sentiment":"neutral","sentiment_score":0.07509998164393684},{"text":"Is that right?","start":1690.8151,"end":1691.715,"sentiment":"neutral","sentiment_score":0.0668855793774128}],"sentiment":"neutral","sentiment_score":0.06844198965915928,"num_words":27,"start":1683.05,"end":1691.715},{"sentences":[{"text":"Beautiful.","start":1692.895,"end":1693.395,"sentiment":"neutral","sentiment_score":0.1966826170682907},{"text":"And surname I have for Bonnie is Carter?","start":1693.455,"end":1695.635,"sentiment":"neutral","sentiment_score":0.0639282613992691},{"text":"Lovely.","start":1697.135,"end":1697.635,"sentiment":"neutral","sentiment_score":0.12938109040260315},{"text":"Same address.","start":1698.175,"end":1699.155,"sentiment":"neutral","sentiment_score":0.08812452480196953},{"text":"That's all fine.","start":1699.215,"end":1700.255,"sentiment":"neutral","sentiment_score":0.13121875623861948}],"sentiment":"neutral","sentiment_score":0.09382634113232295,"num_words":15,"start":1692.895,"end":1700.255},{"sentences":[{"text":"Can I grab her date of birth as well if possible?","start":1700.495,"end":1703.21,"sentiment":"neutral","sentiment_score":0.06721384044397961},{"text":"Yep.","start":1705.4299,"end":1705.9299,"sentiment":"neutral","sentiment_score":0.018528901040554047},{"text":"1987.","start":1707.6699,"end":1708.89,"sentiment":"neutral","sentiment_score":0.033662546426057816},{"text":"Beautiful.","start":1709.03,"end":1709.53,"sentiment":"neutral","sentiment_score":0.27573415637016296},{"text":"And I'll put down here she's spouse.","start":1710.15,"end":1711.91,"sentiment":"neutral","sentiment_score":0.14282809410776412}],"sentiment":"neutral","sentiment_score":0.09843211940356664,"num_words":21,"start":1700.495,"end":1711.91},{"sentences":[{"text":"Lovely.","start":1711.91,"end":1712.23,"sentiment":"positive","sentiment_score":0.40374892950057983},{"text":"So we can certainly provide that assistance.","start":1712.23,"end":1713.99,"sentiment":"positive","sentiment_score":0.37762440953935894},{"text":"If you like, we can prefill those forms, then we can send the beneficiaries to you just to get you to sign and have them witnessed.","start":1713.99,"end":1720.885,"sentiment":"neutral","sentiment_score":0.2187773768718426},{"text":"If you send them back to us, we can make sure they're applied so that, like, if in the event something was to happen, it just makes the claim process much easier for Bonnie there as well.","start":1720.885,"end":1729.525,"sentiment":"neutral","sentiment_score":0.20391614352529114},{"text":"Okay?","start":1729.525,"end":1730.025,"sentiment":"neutral","sentiment_score":0.10704784095287324}],"sentiment":"neutral","sentiment_score":0.22760106592128673,"num_words":72,"start":1711.91,"end":1730.025},{"sentences":[{"text":"Beautiful.","start":1731.25,"end":1731.73,"sentiment":"positive","sentiment_score":0.6596067547798157},{"text":"I also have mentioned that he was too.","start":1731.73,"end":1733.25,"sentiment":"neutral","sentiment_score":0.22458469215780497},{"text":"It's really important if you can just let her know that we are your financial advisers, and just maybe have our contact phone number somewhere.","start":1733.25,"end":1739.8099,"sentiment":"neutral","sentiment_score":0.15944326937198638},{"text":"We can send you, like, an updated fridge magnet or something just for that contact information.","start":1739.8099,"end":1744.87,"sentiment":"neutral","sentiment_score":0.16447657672688365},{"text":"So we hope nothing happens.","start":1745.01,"end":1746.875,"sentiment":"neutral","sentiment_score":0.14653043150901796}],"sentiment":"neutral","sentiment_score":0.17830260748212987,"num_words":55,"start":1731.25,"end":1746.875},{"sentences":[{"text":"But if in the event something was to happen, she could just call us, and we can certainly help with the with the process of going through the the claims details there to make life easier on her in that situation as well.","start":1746.935,"end":1758.775,"sentiment":"neutral","sentiment_score":0.23878326717504236},{"text":"Okay?","start":1758.775,"end":1759.275,"sentiment":"neutral","sentiment_score":0.11682163178920746},{"text":"Yes.","start":1760.38,"end":1760.86,"sentiment":"neutral","sentiment_score":0.24563682079315183},{"text":"Beautiful.","start":1760.86,"end":1761.36,"sentiment":"positive","sentiment_score":0.5159797072410583},{"text":"I think I've got most of everything here.","start":1762.54,"end":1765.12,"sentiment":"positive","sentiment_score":0.37001610919833183}],"sentiment":"neutral","sentiment_score":0.2612268059617943,"num_words":54,"start":1746.935,"end":1765.12},{"sentences":[{"text":"You're not making any salary sacrifice or additional contributions.","start":1765.66,"end":1768.8,"sentiment":"neutral","sentiment_score":0.08733219984504911},{"text":"It looks like the super is just what your employer is putting in at the moment.","start":1768.86,"end":1772.32,"sentiment":"neutral","sentiment_score":0.1971581089310348},{"text":"Yeah.","start":1773.635,"end":1774.135,"sentiment":"neutral","sentiment_score":0.13090583682060242},{"text":"Beautiful.","start":1774.275,"end":1774.775,"sentiment":"neutral","sentiment_score":0.26009076833724976},{"text":"And, you know, sort of wanting to at the moment, you're maybe down the track.","start":1775.7949,"end":1780.0349,"sentiment":"neutral","sentiment_score":0.10061974873145421}],"sentiment":"neutral","sentiment_score":0.1390669613721825,"num_words":42,"start":1765.66,"end":1780.0349},{"sentences":[{"text":"Is that right?","start":1780.0349,"end":1780.6749,"sentiment":"neutral","sentiment_score":0.09025001525878906},{"text":"Or Easier.","start":1780.6749,"end":1786.07,"sentiment":"neutral","sentiment_score":0.0616009421646595},{"text":"Yeah.","start":1786.61,"end":1786.9299,"sentiment":"neutral","sentiment_score":0.08939407765865326},{"text":"Absolutely.","start":1786.9299,"end":1787.4299,"sentiment":"neutral","sentiment_score":0.1477944552898407},{"text":"Not a problem at all.","start":1787.8099,"end":1789.27,"sentiment":"neutral","sentiment_score":0.19129450619220734}],"sentiment":"neutral","sentiment_score":0.1323010828346014,"num_words":12,"start":1780.0349,"end":1789.27},{"sentences":[{"text":"And do you have any other goals that you're sort of looking to achieve down the track there at all?","start":1789.41,"end":1794.3099,"sentiment":"neutral","sentiment_score":0.09126277677714825},{"text":"Yep.","start":1797.985,"end":1798.465,"sentiment":"neutral","sentiment_score":0.11457163095474245},{"text":"Yep.","start":1798.465,"end":1798.965,"sentiment":"neutral","sentiment_score":0.0840713232755661},{"text":"Yep.","start":1799.025,"end":1799.525,"sentiment":"neutral","sentiment_score":0.1283169835805893},{"text":"Perfect.","start":1799.665,"end":1800.165,"sentiment":"neutral","sentiment_score":0.329886257648468}],"sentiment":"neutral","sentiment_score":0.10342090545843045,"num_words":24,"start":1789.41,"end":1800.165},{"sentences":[{"text":"And you're happy with the life and TPD amounts that you have?","start":1800.305,"end":1802.865,"sentiment":"neutral","sentiment_score":0.22712545469403267},{"text":"You're not sort of wanting to go out there and try and get more expensive cover at all?","start":1802.865,"end":1806.385,"sentiment":"neutral","sentiment_score":-0.08593613437066476},{"text":"You're sort of happy with the level of cover you have?","start":1806.385,"end":1809.285,"sentiment":"neutral","sentiment_score":0.0548890306699005},{"text":"Yep.","start":1810.6499,"end":1811.1499,"sentiment":"neutral","sentiment_score":0.0983472466468811},{"text":"Yeah.","start":1812.33,"end":1812.73,"sentiment":"neutral","sentiment_score":0.07582518458366394}],"sentiment":"neutral","sentiment_score":0.04550248386641575,"num_words":43,"start":1800.305,"end":1812.73},{"sentences":[{"text":"No.","start":1812.73,"end":1812.97,"sentiment":"neutral","sentiment_score":0.03669673949480057},{"text":"That's okay.","start":1812.97,"end":1813.7899,"sentiment":"neutral","sentiment_score":0.184170663356781},{"text":"That's all good.","start":1815.21,"end":1816.51,"sentiment":"positive","sentiment_score":0.3521108527978261},{"text":"The other sort of insurance I do have to talk to you about, I'm not sure if anyone's explained what trauma cover is.","start":1816.6499,"end":1821.45,"sentiment":"neutral","sentiment_score":-0.026658989570063095},{"text":"Has anyone given you a diet or talked to you about trauma before?","start":1821.45,"end":1824.59,"sentiment":"neutral","sentiment_score":-0.009492467372463299}],"sentiment":"neutral","sentiment_score":0.017257423539246832,"num_words":42,"start":1812.73,"end":1824.59},{"sentences":[{"text":"Yeah.","start":1825.615,"end":1826.095,"sentiment":"neutral","sentiment_score":0.04021257907152176},{"text":"It covers you for things like a heart attack, a stroke, certain neurological conditions.","start":1826.095,"end":1830.035,"sentiment":"neutral","sentiment_score":0.028986044361123016},{"text":"It is an out of pocket expense, and I you said money is a little bit tight with with everything going on there.","start":1830.335,"end":1835.9349,"sentiment":"neutral","sentiment_score":-0.20355576600717462},{"text":"Did you wanna look at trying to get anything out of pocket, or are you happy just to keep it as it is for the moment and we maybe assess it down the track?","start":1835.9349,"end":1842.93,"sentiment":"neutral","sentiment_score":-0.07066347680109389},{"text":"Yep.","start":1844.75,"end":1845.25,"sentiment":"neutral","sentiment_score":0.062281765043735504}],"sentiment":"neutral","sentiment_score":-0.09008276526344149,"num_words":73,"start":1825.615,"end":1845.25},{"sentences":[{"text":"Yep.","start":1845.71,"end":1846.11,"sentiment":"neutral","sentiment_score":0.13297292590141296},{"text":"That's okay.","start":1846.11,"end":1846.93,"sentiment":"neutral","sentiment_score":0.30788737535476685},{"text":"Another really good idea is when's and another sort of thing I look at because we have insurances sort of protect us in the event that something happens, but there's always that that risk that we pay for those insurances on a regular basis, but that we never actually claim.","start":1847.07,"end":1861.1051,"sentiment":"neutral","sentiment_score":0.20868304066359997},{"text":"And then we pay those premiums for nothing.","start":1861.1051,"end":1863.2051,"sentiment":"neutral","sentiment_score":0.08444603532552719},{"text":"So another sort of way to look at it is we can always build and try to build investments out of side of super down the track when you do have a bit of spare cash flow and maybe you wanna incorporate your wife into the conversation.","start":1863.905,"end":1874.51,"sentiment":"neutral","sentiment_score":0.2795937162764529}],"sentiment":"neutral","sentiment_score":0.23147567275359673,"num_words":108,"start":1845.71,"end":1874.51},{"sentences":[{"text":"We can always look at what you have available to you, maybe setting up investments in your own name outside of super and kind of building that as well.","start":1875.13,"end":1882.51,"sentiment":"neutral","sentiment_score":0.2625945770534976},{"text":"You're building wealth that you can access prior to you wanting to retire.","start":1882.545,"end":1886.005,"sentiment":"positive","sentiment_score":0.40769400046421933},{"text":"But it also means that you can be sort of closing that gap with regards to insurances down the track there as well.","start":1886.545,"end":1892.385,"sentiment":"neutral","sentiment_score":0.19439542682274527},{"text":"So feel free to kinda keep that in mind, and if it's something you would like to talk to me about, I'm more than happy to make that time, and we can, you know, look at what other things we can do.","start":1892.385,"end":1901.42,"sentiment":"positive","sentiment_score":0.3381033663948377},{"text":"Yeah.","start":1903.4,"end":1903.9,"sentiment":"neutral","sentiment_score":0.27284106612205505}],"sentiment":"neutral","sentiment_score":0.29499575937235795,"num_words":108,"start":1875.13,"end":1903.9},{"sentences":[{"text":"Perfect.","start":1904.04,"end":1904.54,"sentiment":"positive","sentiment_score":0.5207504034042358},{"text":"Perfect.","start":1904.76,"end":1905.26,"sentiment":"positive","sentiment_score":0.460097223520279},{"text":"I just wanted to double check also just with the any changes to your house.","start":1906.12,"end":1910.22,"sentiment":"neutral","sentiment_score":0.10239995767672856},{"text":"Do you know what your height and weight roughly is at the moment?","start":1910.28,"end":1913.1,"sentiment":"neutral","sentiment_score":0.00008702220825048597},{"text":"Yep.","start":1918.1649,"end":1918.6649,"sentiment":"neutral","sentiment_score":0.002917979611083865}],"sentiment":"neutral","sentiment_score":0.08131923420625108,"num_words":31,"start":1904.04,"end":1918.6649},{"sentences":[{"text":"Yep.","start":1919.365,"end":1919.865,"sentiment":"neutral","sentiment_score":0.015703698620200157},{"text":"Yep.","start":1920.085,"end":1920.585,"sentiment":"neutral","sentiment_score":0.0189139973372221},{"text":"Ninety six.","start":1923.445,"end":1924.245,"sentiment":"neutral","sentiment_score":0.07612773776054382},{"text":"Beautiful.","start":1924.245,"end":1924.745,"sentiment":"positive","sentiment_score":0.4898613691329956},{"text":"Yeah.","start":1926.7101,"end":1927.03,"sentiment":"neutral","sentiment_score":0.1809583455324173}],"sentiment":"neutral","sentiment_score":0.14294881435732046,"num_words":6,"start":1919.365,"end":1927.03},{"sentences":[{"text":"You have.","start":1927.03,"end":1927.8301,"sentiment":"neutral","sentiment_score":0.2035578116774559},{"text":"Definitely.","start":1927.8301,"end":1928.3301,"sentiment":"neutral","sentiment_score":0.22845309972763064},{"text":"Because I mentioned before that you when you came on board, you know, you're pre diabetic.","start":1929.03,"end":1932.65,"sentiment":"neutral","sentiment_score":0.06618409871589392},{"text":"But, realistically, have you been able to reverse that with the changes you've got there?","start":1932.7101,"end":1937.05,"sentiment":"neutral","sentiment_score":0.11634352952241897},{"text":"Mhmm.","start":1940.9651,"end":1941.4651,"sentiment":"neutral","sentiment_score":0.0031665812712162733}],"sentiment":"neutral","sentiment_score":0.09836668076126703,"num_words":35,"start":1927.03,"end":1941.4651},{"sentences":[{"text":"Okay.","start":1943.6051,"end":1944.1051,"sentiment":"neutral","sentiment_score":0.009413614869117737},{"text":"Yeah.","start":1949.3651,"end":1949.8651,"sentiment":"neutral","sentiment_score":-0.08301278203725815},{"text":"That's the worst time to see a doctor.","start":1950.76,"end":1952.86,"sentiment":"negative","sentiment_score":-0.4875192195177078},{"text":"Yeah.","start":1953.08,"end":1953.58,"sentiment":"neutral","sentiment_score":-0.07199110090732574},{"text":"Perfect.","start":1957.48,"end":1957.98,"sentiment":"positive","sentiment_score":0.4029950499534607}],"sentiment":"neutral","sentiment_score":-0.30356241452197236,"num_words":12,"start":1943.6051,"end":1957.98},{"sentences":[{"text":"I love that.","start":1960.28,"end":1961.34,"sentiment":"positive","sentiment_score":0.3788721015055974},{"text":"Yeah.","start":1961.64,"end":1962.14,"sentiment":"neutral","sentiment_score":0.11185751855373384},{"text":"Yep.","start":1962.615,"end":1963.115,"sentiment":"neutral","sentiment_score":0.10034742206335068},{"text":"Yeah.","start":1964.615,"end":1965.115,"sentiment":"neutral","sentiment_score":0.02057946100831032},{"text":"That's okay.","start":1974.455,"end":1975.175,"sentiment":"neutral","sentiment_score":0.22514793276786804}],"sentiment":"neutral","sentiment_score":0.2274620714597404,"num_words":8,"start":1960.28,"end":1975.175},{"sentences":[{"text":"That's alright.","start":1975.175,"end":1975.995,"sentiment":"positive","sentiment_score":0.42958424985408783},{"text":"You gotta enjoy those as well.","start":1976.0549,"end":1977.735,"sentiment":"positive","sentiment_score":0.5768635819355646},{"text":"It's, you know, Christmas is an important important time to engorge yourself on food.","start":1977.735,"end":1981.67,"sentiment":"neutral","sentiment_score":0.22233588354928152},{"text":"I did the exact same thing.","start":1981.67,"end":1982.71,"sentiment":"neutral","sentiment_score":-0.07138568473358949},{"text":"I probably drank too much too in all honesty.","start":1982.71,"end":1984.8099,"sentiment":"neutral","sentiment_score":-0.18072833286391365}],"sentiment":"neutral","sentiment_score":0.1453563042387769,"num_words":37,"start":1975.175,"end":1984.8099},{"sentences":[{"text":"So it was probably good we closed for two weeks because I needed that to recover.","start":1984.87,"end":1988.49,"sentiment":"neutral","sentiment_score":-0.19176922645419836},{"text":"But, no, I've just sort of had a look.","start":1990.805,"end":1992.325,"sentiment":"neutral","sentiment_score":-0.16338567601309884},{"text":"So with your height and weight, your BMI is around about thirty point zero three.","start":1992.325,"end":1996.725,"sentiment":"neutral","sentiment_score":-0.04193494791785876},{"text":"So when insurances or when insurers look at whether they're willing to offer cover to a client, Obviously, your health goes into play there as well, but the other factor is your BMI.","start":1996.725,"end":2006.9501,"sentiment":"neutral","sentiment_score":-0.06906694281056072},{"text":"It's your body mass index, and it's a combination of your height and weight.","start":2007.3301,"end":2010.87,"sentiment":"neutral","sentiment_score":-0.05063727444836071}],"sentiment":"neutral","sentiment_score":-0.09374636645032756,"num_words":87,"start":1984.87,"end":2010.87},{"sentences":[{"text":"The higher your BMI, the more pressure there is on your heart, so the more risky become for an insurance company.","start":2011.3301,"end":2017.745,"sentiment":"neutral","sentiment_score":-0.15785481816246397},{"text":"But with your BMI at the moment, whilst there could be a bit of a loading applied, if you did down the track wanna look at maybe getting new insurance cover, I would absolutely be able to look at that for you to see what might be on offer.","start":2017.745,"end":2029.2051,"sentiment":"neutral","sentiment_score":0.026661664779697145},{"text":"It could be a little bit more expensive than what you have at the moment, but insurance cover could be offered.","start":2029.5499,"end":2034.99,"sentiment":"neutral","sentiment_score":-0.10385789793162119},{"text":"Absolutely, I dare say there'd be a contract offered, and there might just be an exclusion or a loading depending on what else might be in your health history to look at there.","start":2034.99,"end":2043.8099,"sentiment":"neutral","sentiment_score":-0.056383467723869464},{"text":"Okay?","start":2043.95,"end":2044.45,"sentiment":"neutral","sentiment_score":0.012023745104670525}],"sentiment":"neutral","sentiment_score":-0.0483054092284292,"num_words":125,"start":2011.3301,"end":2044.45},{"sentences":[{"text":"Yeah.","start":2045.4651,"end":2045.9651,"sentiment":"neutral","sentiment_score":-0.026398837566375732},{"text":"If they do come out and say, hey.","start":2046.345,"end":2048.0251,"sentiment":"neutral","sentiment_score":0.021387525601312518},{"text":"You do have diabetes, type two diabetes, it's harder to get insurance for.","start":2048.0251,"end":2052.685,"sentiment":"neutral","sentiment_score":-0.031221949567015354},{"text":"Generally, they want to, if you're a diabetic, to have been diagnosed a few years ago just because the longer you've had it for, but the more controlled it is, the better the contract can be offered.","start":2052.825,"end":2063.46,"sentiment":"neutral","sentiment_score":0.056099667994154466},{"text":"Anyone with prediabetes, I've I've still seen contracts offered.","start":2064.48,"end":2067.8398,"sentiment":"neutral","sentiment_score":0.07986397917071979}],"sentiment":"neutral","sentiment_score":0.03725411104695762,"num_words":68,"start":2045.4651,"end":2067.8398},{"sentences":[{"text":"It's more just wanting to find out more about your health, get updated blood results, and blood pressure, and things like that.","start":2067.8398,"end":2074.275,"sentiment":"neutral","sentiment_score":0.09153685701841657},{"text":"And then sometimes there's a bit of a loading on there.","start":2074.275,"end":2076.355,"sentiment":"neutral","sentiment_score":0.014571120623837818},{"text":"It can be about 50 to a 100% depending on other factors, but it does often mean that that an insurance contract can still be covered with the cover you have with CareSoup at the moment, because it is more or less it's not like a retail fund where they've done the application at the beginning.","start":2076.355,"end":2094.89,"sentiment":"neutral","sentiment_score":0.04454273431162749},{"text":"It's more of a group cover.","start":2095.27,"end":2096.63,"sentiment":"neutral","sentiment_score":-0.01120052176217238},{"text":"So you sort of pulled in and and added to a larger pool of risk.","start":2096.63,"end":2101.05,"sentiment":"neutral","sentiment_score":-0.03926385641098022}],"sentiment":"neutral","sentiment_score":0.03647568478164348,"num_words":110,"start":2067.8398,"end":2101.05},{"sentences":[{"text":"You sort of lumped in there with lots of other people.","start":2101.395,"end":2104.035,"sentiment":"neutral","sentiment_score":-0.024728875268589367},{"text":"Some people don't have loading.","start":2104.035,"end":2105.395,"sentiment":"neutral","sentiment_score":-0.03688271343708038},{"text":"Some might be scheduled for loading, but they spread that risk level across all of the members there.","start":2105.395,"end":2110.855,"sentiment":"neutral","sentiment_score":-0.05560442712157965},{"text":"And they tend to underwrite the policy at the time of claim.","start":2111.235,"end":2114.055,"sentiment":"neutral","sentiment_score":-0.06547424880166848},{"text":"But because you've had that policy enforced for longer, any changes don't seem to make much of a difference, and it can be easier to claim on those sorts of policies as not normally loading to exclusions that needs to be applied to them.","start":2114.195,"end":2126.41,"sentiment":"neutral","sentiment_score":0.04159775745673952}],"sentiment":"neutral","sentiment_score":-0.004585561565020018,"num_words":90,"start":2101.395,"end":2126.41},{"sentences":[{"text":"So retaining that cover for now is is plenty fine.","start":2126.41,"end":2130.695,"sentiment":"neutral","sentiment_score":0.1992403522133827},{"text":"But if down the track, if you wanna talk to me more about insurance and kinda get an idea for what you might be able to get, I'm more than happy to do so for you.","start":2130.695,"end":2137.975,"sentiment":"neutral","sentiment_score":0.2621341173847516},{"text":"Okay?","start":2137.975,"end":2138.475,"sentiment":"neutral","sentiment_score":0.2861076593399048},{"text":"Yeah.","start":2138.7751,"end":2139.2751,"sentiment":"positive","sentiment_score":0.49356549978256226},{"text":"That's okay.","start":2140.055,"end":2140.955,"sentiment":"positive","sentiment_score":0.5056532174348831}],"sentiment":"neutral","sentiment_score":0.2644042268395424,"num_words":50,"start":2126.41,"end":2140.955},{"sentences":[{"text":"I just wanted to make sure I'm giving you a bit of information, kinda giving you some updated on what we sort of see and where we can kinda go.","start":2141.575,"end":2148.3499,"sentiment":"positive","sentiment_score":0.4078770289818446},{"text":"But, you know, you're doing really, really well and keep it up.","start":2148.3499,"end":2151.0698,"sentiment":"positive","sentiment_score":0.6664169033368429},{"text":"Because at the end of the day, it's not about the insurances.","start":2151.0698,"end":2153.3098,"sentiment":"neutral","sentiment_score":0.16883481852710247},{"text":"It's more important for you to be around for your kids.","start":2153.3098,"end":2155.71,"sentiment":"neutral","sentiment_score":0.110640306703069},{"text":"So yeah.","start":2155.71,"end":2156.77,"sentiment":"neutral","sentiment_score":0.08567960560321808}],"sentiment":"positive","sentiment_score":0.3529512554740728,"num_words":67,"start":2141.575,"end":2156.77},{"sentences":[{"text":"Yeah.","start":2157.15,"end":2157.65,"sentiment":"neutral","sentiment_score":0.1489126980304718},{"text":"And are you finding you're feeling a lot better?","start":2158.445,"end":2160.945,"sentiment":"neutral","sentiment_score":0.3164515329731835},{"text":"Yeah?","start":2163.0051,"end":2163.5051,"sentiment":"neutral","sentiment_score":0.21502354741096497},{"text":"Beautiful.","start":2163.965,"end":2164.465,"sentiment":"positive","sentiment_score":0.71535325050354},{"text":"I love that.","start":2168.605,"end":2169.565,"sentiment":"positive","sentiment_score":0.7563908100128174}],"sentiment":"positive","sentiment_score":0.41310171484947206,"num_words":15,"start":2157.15,"end":2169.565},{"sentences":[{"text":"That's beautiful.","start":2169.565,"end":2170.385,"sentiment":"positive","sentiment_score":0.5899922251701355},{"text":"Oh, that's really fantastic.","start":2170.765,"end":2172.145,"sentiment":"positive","sentiment_score":0.7423867732286453},{"text":"Good to hear.","start":2172.365,"end":2173.265,"sentiment":"positive","sentiment_score":0.7106840411822001},{"text":"And you go due to go back to the doctors again soon.","start":2173.5698,"end":2176.13,"sentiment":"positive","sentiment_score":0.3355029448866844},{"text":"Hopefully, they've got some more really great results there for you.","start":2176.13,"end":2178.95,"sentiment":"positive","sentiment_score":0.47671753709966486}],"sentiment":"positive","sentiment_score":0.48598474729806185,"num_words":32,"start":2169.565,"end":2178.95},{"sentences":[{"text":"Yeah.","start":2180.21,"end":2180.71,"sentiment":"neutral","sentiment_score":0.3228049874305725},{"text":"Perfect.","start":2180.77,"end":2181.27,"sentiment":"positive","sentiment_score":0.4252473711967468},{"text":"The other thing here is looking at the estate planning side of things as well.","start":2182.0498,"end":2185.41,"sentiment":"neutral","sentiment_score":0.06704659586151442},{"text":"Have you done up a will, had a power of attorney?","start":2185.41,"end":2187.8098,"sentiment":"neutral","sentiment_score":0.0314746004613963},{"text":"Have you and your wife sort of spoken about doing those in the past?","start":2187.8098,"end":2190.745,"sentiment":"neutral","sentiment_score":0.014805903658270836}],"sentiment":"neutral","sentiment_score":0.054934632210504444,"num_words":42,"start":2180.21,"end":2190.745},{"sentences":[{"text":"Yeah.","start":2192.8052,"end":2193.0452,"sentiment":"neutral","sentiment_score":0.06569629907608032},{"text":"That's okay.","start":2193.0452,"end":2194.0251,"sentiment":"neutral","sentiment_score":0.08209842070937157},{"text":"As part of updating the advice, I will recommend speaking to a solicitor and having a will and power of attorney done up.","start":2194.5652,"end":2201.845,"sentiment":"neutral","sentiment_score":0.05165800087801788},{"text":"It is really important that those things do get done whilst your beneficiary nominations look after your super and your life insurances.","start":2201.845,"end":2208.57,"sentiment":"neutral","sentiment_score":0.08520242216234858},{"text":"Everything outside of super that you've worked is just hard for us, your tools, your cars, your contents, your savings accounts, and your house as well in the event something was to happen to you and or and your wife that you have it directed correctly.","start":2208.87,"end":2222.875,"sentiment":"neutral","sentiment_score":0.004893903620541096}],"sentiment":"neutral","sentiment_score":0.03742127675325312,"num_words":94,"start":2192.8052,"end":2222.875},{"sentences":[{"text":"But the other thing to consider is a guardianship as well because you do have your young precious daughter there.","start":2222.875,"end":2228.095,"sentiment":"neutral","sentiment_score":0.043481021001935},{"text":"And if anything happens to both of you, you wanna make sure that you've decided where what happens to her, who looks after her, and making sure everything is in place to make sure she's looked after moving forward as well.","start":2228.395,"end":2239.66,"sentiment":"neutral","sentiment_score":0.08037725063722308},{"text":"So there is a few few really important aspects that to consider, and I'll put that into the advice document to help reflect for you if you like.","start":2239.66,"end":2247.68,"sentiment":"neutral","sentiment_score":0.0852257985887783},{"text":"Okay.","start":2248.005,"end":2248.505,"sentiment":"neutral","sentiment_score":0.042394258081912994},{"text":"Yeah.","start":2248.9648,"end":2249.365,"sentiment":"neutral","sentiment_score":0.12648466229438782}],"sentiment":"neutral","sentiment_score":0.07384932941787846,"num_words":91,"start":2222.875,"end":2249.365},{"sentences":[{"text":"Beautiful.","start":2249.365,"end":2249.865,"sentiment":"neutral","sentiment_score":0.2533734142780304},{"text":"Other than that sorry.","start":2251.4448,"end":2253.845,"sentiment":"neutral","sentiment_score":0.020155874080955982},{"text":"I'm just looking.","start":2253.845,"end":2254.805,"sentiment":"neutral","sentiment_score":-0.0188211922844251},{"text":"There's sort of nothing else to check on.","start":2254.805,"end":2257.6848,"sentiment":"neutral","sentiment_score":-0.03508329205214977},{"text":"Everything's kind of all okay.","start":2257.6848,"end":2259.605,"sentiment":"neutral","sentiment_score":0.11190499216318131}],"sentiment":"neutral","sentiment_score":0.02649485514987083,"num_words":21,"start":2249.365,"end":2259.605},{"sentences":[{"text":"You've got a lovely 8% return.","start":2259.605,"end":2261.285,"sentiment":"neutral","sentiment_score":0.3168233061830203},{"text":"Things are working really well with your super, but I'll go back and reevaluate things.","start":2261.285,"end":2265.48,"sentiment":"neutral","sentiment_score":0.10810883517066637},{"text":"I can work on an age 65 to retirement.","start":2265.94,"end":2268.8198,"sentiment":"neutral","sentiment_score":0.01848547040329625},{"text":"That way, you get the option to work longer if you wanted to.","start":2268.8198,"end":2272.1199,"sentiment":"neutral","sentiment_score":0.19390231370925903},{"text":"I'm by no means gonna tell you you have to retire at that point, but it gives you the option to if you decide you don't wanna work any longer.","start":2272.5,"end":2278.68,"sentiment":"neutral","sentiment_score":0.04770202313860258}],"sentiment":"neutral","sentiment_score":0.10466756672145518,"num_words":73,"start":2259.605,"end":2278.68},{"sentences":[{"text":"Okay?","start":2282.4648,"end":2282.9648,"sentiment":"neutral","sentiment_score":-0.04873743653297424},{"text":"I mean, if we won lotto, we'd all be out tomorrow.","start":2283.105,"end":2285.525,"sentiment":"neutral","sentiment_score":-0.04521318728273565},{"text":"I can also look at retaining just the life and TPD you have at the moment.","start":2289.585,"end":2293.505,"sentiment":"neutral","sentiment_score":0.08994389558210969},{"text":"We'll scope out the income protection and the trauma, but we can always look at that down the track if you're comfortable to do so.","start":2293.505,"end":2300.3098,"sentiment":"neutral","sentiment_score":0.08950542628765107},{"text":"Just wanted to update as well, if it's okay.","start":2300.6099,"end":2303.49,"sentiment":"neutral","sentiment_score":0.1408398457699352}],"sentiment":"neutral","sentiment_score":0.07093893712566744,"num_words":62,"start":2282.4648,"end":2303.49},{"sentences":[{"text":"Your wife, does she you said that she works and she's earning good money as well.","start":2303.73,"end":2307.3298,"sentiment":"neutral","sentiment_score":0.09643627726472914},{"text":"What is she averaging?","start":2307.3298,"end":2308.3098,"sentiment":"neutral","sentiment_score":0.04249098524451256},{"text":"Do you know what her income normally look like?","start":2308.3699,"end":2312.665,"sentiment":"neutral","sentiment_score":0.015635977913108137},{"text":"Okay.","start":2312.665,"end":2313.145,"sentiment":"neutral","sentiment_score":0.007590739987790584},{"text":"$1.70?","start":2313.145,"end":2313.965,"sentiment":"neutral","sentiment_score":0.018635738641023636}],"sentiment":"neutral","sentiment_score":0.060641763130983996,"num_words":31,"start":2303.73,"end":2313.965},{"sentences":[{"text":"Perfect.","start":2315.945,"end":2316.345,"sentiment":"positive","sentiment_score":0.5352740287780762},{"text":"So she's on a very good income.","start":2316.345,"end":2317.785,"sentiment":"positive","sentiment_score":0.5482383966445923},{"text":"That's excellent.","start":2317.785,"end":2318.265,"sentiment":"positive","sentiment_score":0.6948202848434448},{"text":"So about 170,000 per year.","start":2318.265,"end":2320.345,"sentiment":"neutral","sentiment_score":0.3182744562625885},{"text":"Lovely.","start":2320.345,"end":2320.845,"sentiment":"positive","sentiment_score":0.39173364639282227}],"sentiment":"positive","sentiment_score":0.4841055814176798,"num_words":16,"start":2315.945,"end":2320.845},{"sentences":[{"text":"Lovely.","start":2320.9849,"end":2321.4849,"sentiment":"neutral","sentiment_score":0.3073962926864624},{"text":"What does she do for work?","start":2322.28,"end":2323.7402,"sentiment":"neutral","sentiment_score":0.08749401321013768},{"text":"Yep.","start":2325.8801,"end":2326.36,"sentiment":"neutral","sentiment_score":0.16499534249305725},{"text":"Perfect.","start":2326.36,"end":2326.86,"sentiment":"positive","sentiment_score":0.49377134442329407},{"text":"Excellent.","start":2328.6802,"end":2329.1802,"sentiment":"positive","sentiment_score":0.5172601938247681}],"sentiment":"neutral","sentiment_score":0.20083872526884078,"num_words":10,"start":2320.9849,"end":2329.1802},{"sentences":[{"text":"Lovely.","start":2329.56,"end":2330.04,"sentiment":"positive","sentiment_score":0.37805622816085815},{"text":"No.","start":2330.04,"end":2330.2002,"sentiment":"neutral","sentiment_score":0.1332576423883438},{"text":"Well, that's really good.","start":2330.2002,"end":2330.9202,"sentiment":"neutral","sentiment_score":0.2843647710978985},{"text":"So, I mean, if anything happens given your income is obviously less than hers, if you weren't working, she'd still be okay for covering the bills and helping out a bit.","start":2330.9202,"end":2339.795,"sentiment":"neutral","sentiment_score":0.05768406171832354},{"text":"That would sort of yeah.","start":2339.795,"end":2341.315,"sentiment":"neutral","sentiment_score":0.07209431603550912}],"sentiment":"neutral","sentiment_score":0.09041548686634217,"num_words":42,"start":2329.56,"end":2341.315},{"sentences":[{"text":"Perfect.","start":2341.315,"end":2341.815,"sentiment":"positive","sentiment_score":0.49108266830444336},{"text":"Perfect.","start":2342.915,"end":2343.415,"sentiment":"positive","sentiment_score":0.5087981820106506},{"text":"Lovely.","start":2343.875,"end":2344.375,"sentiment":"positive","sentiment_score":0.38772517442703247},{"text":"Well, have I sort of touched on everything that you were sort of after?","start":2345.315,"end":2348.675,"sentiment":"neutral","sentiment_score":0.10373033263853618},{"text":"Is there anything else that you wanted me to to ask me or for me to touch on while you've got me here at all?","start":2348.675,"end":2354.1,"sentiment":"neutral","sentiment_score":0.059102005511522296}],"sentiment":"neutral","sentiment_score":0.102794781415945,"num_words":42,"start":2341.315,"end":2354.1},{"sentences":[{"text":"No?","start":2355.28,"end":2355.78,"sentiment":"neutral","sentiment_score":-0.038190390914678574},{"text":"Oh, fantastic.","start":2357.92,"end":2358.82,"sentiment":"neutral","sentiment_score":0.31715531647205353},{"text":"Lovely.","start":2360.8,"end":2361.3,"sentiment":"positive","sentiment_score":0.4129472076892853},{"text":"Well, I'll go back and do some research there for you, Steven.","start":2361.68,"end":2364.58,"sentiment":"neutral","sentiment_score":0.20443921287854513},{"text":"If there is anything additional that we do need, I'll make sure we contact you.","start":2364.64,"end":2368.765,"sentiment":"neutral","sentiment_score":0.11021492034196853}],"sentiment":"neutral","sentiment_score":0.16501812288357365,"num_words":31,"start":2355.28,"end":2368.765},{"sentences":[{"text":"Oh, actually, I do apologize.","start":2368.765,"end":2370.225,"sentiment":"neutral","sentiment_score":-0.03866019695997238},{"text":"I almost forgot.","start":2370.285,"end":2371.345,"sentiment":"neutral","sentiment_score":-0.11310158669948578},{"text":"My beautiful admin team let me know that your ID has expired on file.","start":2371.725,"end":2375.565,"sentiment":"neutral","sentiment_score":-0.0006358278915286064},{"text":"If we send you a text message shortly, are you able just to reply back to that with the back and front of your photo ID just so we keep our records to date?","start":2375.565,"end":2383.665,"sentiment":"neutral","sentiment_score":0.03334062551969991},{"text":"Perfect.","start":2385.29,"end":2385.69,"sentiment":"positive","sentiment_score":0.494814932346344}],"sentiment":"neutral","sentiment_score":0.01906822569537581,"num_words":57,"start":2368.765,"end":2385.69},{"sentences":[{"text":"I'll get that text message done shortly for you.","start":2385.69,"end":2388.35,"sentiment":"positive","sentiment_score":0.34431347085369957},{"text":"Beautiful.","start":2391.53,"end":2392.03,"sentiment":"positive","sentiment_score":0.5718365907669067},{"text":"And how are you performing our services at the moment?","start":2392.49,"end":2395.31,"sentiment":"neutral","sentiment_score":0.20054364576935768},{"text":"Yep.","start":2397.145,"end":2397.645,"sentiment":"positive","sentiment_score":0.4269150197505951},{"text":"And oh, fantastic.","start":2397.865,"end":2400.525,"sentiment":"positive","sentiment_score":0.6388517816861471}],"sentiment":"positive","sentiment_score":0.334148527123034,"num_words":24,"start":2385.69,"end":2400.525},{"sentences":[{"text":"Thank you.","start":2402.585,"end":2404.845,"sentiment":"positive","sentiment_score":0.5459388792514801},{"text":"Oh, fantastic.","start":2404.905,"end":2405.7249,"sentiment":"positive","sentiment_score":0.4569060206413269},{"text":"Well, one of the other thing that we'll probably ask and one of the things that's really important to us is, as a business, we are growing and word-of-mouth is really important.","start":2405.9448,"end":2413.18,"sentiment":"neutral","sentiment_score":0.16025460977107286},{"text":"So, if it's okay, my admin team will also just pop down and send you a link to the Google review if you're able to and would like to.","start":2413.32,"end":2420.52,"sentiment":"neutral","sentiment_score":0.09243394845518572},{"text":"If you can pop just a review on our website there.","start":2420.52,"end":2423.185,"sentiment":"neutral","sentiment_score":0.06176732717589899}],"sentiment":"neutral","sentiment_score":0.13807713706046343,"num_words":76,"start":2402.585,"end":2423.185},{"sentences":[{"text":"It doesn't matter what it is.","start":2423.185,"end":2424.2249,"sentiment":"neutral","sentiment_score":0.05093322042375803},{"text":"It can be one word.","start":2424.2249,"end":2425.425,"sentiment":"neutral","sentiment_score":0.0658536821603775},{"text":"It can just be a five star review or, you know, however stars you're comfortable with.","start":2425.425,"end":2429.605,"sentiment":"neutral","sentiment_score":0.05523983237799257},{"text":"It's just really important to keep that keep that sort of growing if that would be okay with you.","start":2429.905,"end":2434.2249,"sentiment":"neutral","sentiment_score":0.1174420228129939},{"text":"Would that be alright if we sent that to you as well?","start":2434.2249,"end":2436.645,"sentiment":"neutral","sentiment_score":0.060789182471732296}],"sentiment":"neutral","sentiment_score":0.07723402887068946,"num_words":58,"start":2423.185,"end":2436.645},{"sentences":[{"text":"Yep.","start":2437.79,"end":2438.19,"sentiment":"neutral","sentiment_score":0.10729436576366425},{"text":"Beautiful.","start":2438.19,"end":2438.69,"sentiment":"positive","sentiment_score":0.380626380443573},{"text":"Thank you so much, Steven.","start":2438.75,"end":2439.95,"sentiment":"positive","sentiment_score":0.4613149046897888},{"text":"Now I'll get cracking on this research.","start":2439.95,"end":2441.73,"sentiment":"neutral","sentiment_score":0.30987285716193064},{"text":"I'll get those texts sent out to you shortly.","start":2442.11,"end":2444.51,"sentiment":"neutral","sentiment_score":0.19980017840862274}],"sentiment":"neutral","sentiment_score":0.29399160328118695,"num_words":23,"start":2437.79,"end":2444.51},{"sentences":[{"text":"It'll come from my beautiful admin team member, Michelle.","start":2444.51,"end":2446.93,"sentiment":"neutral","sentiment_score":0.2312910838259591},{"text":"She'll also send out your annual review pack in the next twenty four hours for you as well.","start":2447.31,"end":2451.035,"sentiment":"neutral","sentiment_score":0.16348768067028788},{"text":"But if you need anything, you're welcome to let me know.","start":2451.035,"end":2453.355,"sentiment":"neutral","sentiment_score":0.1551404053514654},{"text":"My name is Dana.","start":2453.355,"end":2454.4148,"sentiment":"neutral","sentiment_score":0.15356268361210823},{"text":"I'll be doing your research and all the advice moving forward to help you as we work towards your goals there.","start":2454.875,"end":2460.7349,"sentiment":"neutral","sentiment_score":0.18069277845677875}],"sentiment":"neutral","sentiment_score":0.17682129440326538,"num_words":63,"start":2444.51,"end":2460.7349},{"sentences":[{"text":"In the annual review pack in case we haven't spoken before, we'll also be our finance services guide.","start":2461.035,"end":2466.8699,"sentiment":"neutral","sentiment_score":0.10252742303742303},{"text":"And in that, it's got all the information on me, who I am.","start":2467.01,"end":2470.23,"sentiment":"neutral","sentiment_score":0.15590673685073853},{"text":"It's got a lovely photo of me as well, a bit glossy and and all done up.","start":2470.45,"end":2474.31,"sentiment":"neutral","sentiment_score":0.32284532750354095},{"text":"So you're welcome to run your eyes over that.","start":2474.85,"end":2477.01,"sentiment":"neutral","sentiment_score":0.251544455687205},{"text":"And my registration number with ASIC is in there as well, which is one three zero four three nine four.","start":2477.01,"end":2482.415,"sentiment":"neutral","sentiment_score":0.1100506216287613}],"sentiment":"neutral","sentiment_score":0.17955278305264263,"num_words":77,"start":2461.035,"end":2482.415},{"sentences":[{"text":"So you can get a bit more information on who I am as an adviser.","start":2482.635,"end":2485.5151,"sentiment":"neutral","sentiment_score":0.1279964248339335},{"text":"And if you find you have any questions at any time, you're welcome to let me know.","start":2485.5151,"end":2489.3552,"sentiment":"neutral","sentiment_score":0.18813805238288991},{"text":"Okay?","start":2489.3552,"end":2489.8552,"sentiment":"neutral","sentiment_score":0.11255309730768204},{"text":"Beautiful.","start":2491.7551,"end":2492.2551,"sentiment":"positive","sentiment_score":0.6300492286682129},{"text":"Thank you so much.","start":2492.635,"end":2493.8552,"sentiment":"neutral","sentiment_score":0.2000745814293623}],"sentiment":"neutral","sentiment_score":0.17529457670293355,"num_words":38,"start":2482.635,"end":2493.8552},{"sentences":[{"text":"Yeah.","start":2494.51,"end":2495.01,"sentiment":"neutral","sentiment_score":0.07147790491580963},{"text":"Absolutely.","start":2496.11,"end":2496.61,"sentiment":"positive","sentiment_score":0.4109252095222473},{"text":"Most definitely.","start":2496.6702,"end":2497.6501,"sentiment":"neutral","sentiment_score":0.30409465730190277},{"text":"I'll get that sorted.","start":2497.79,"end":2498.9102,"sentiment":"neutral","sentiment_score":0.22104692831635475},{"text":"Thank you so much for your time today.","start":2498.9102,"end":2500.6702,"sentiment":"positive","sentiment_score":0.7248762547969818}],"sentiment":"positive","sentiment_score":0.485861886292696,"num_words":16,"start":2494.51,"end":2500.6702},{"sentences":[{"text":"I'll let you go to enjoy your dinner, but thank you for your time.","start":2500.6702,"end":2503.3901,"sentiment":"positive","sentiment_score":0.5332988543169839},{"text":"I really appreciate it.","start":2503.3901,"end":2504.85,"sentiment":"positive","sentiment_score":0.7847006171941757},{"text":"No worries.","start":2506.9949,"end":2507.555,"sentiment":"positive","sentiment_score":0.3443557322025299},{"text":"Thanks, David.","start":2507.555,"end":2508.275,"sentiment":"positive","sentiment_score":0.5551315546035767},{"text":"Talk to you soon.","start":2508.275,"end":2509.335,"sentiment":"positive","sentiment_score":0.4810156896710396}],"sentiment":"positive","sentiment_score":0.5510778369811865,"num_words":26,"start":2500.6702,"end":2509.335},{"sentences":[{"text":"Thanks.","start":2510.355,"end":2510.835,"sentiment":"positive","sentiment_score":0.520201563835144},{"text":"Bye.","start":2510.835,"end":2511.335,"sentiment":"neutral","sentiment_score":-0.1072114035487175}],"sentiment":"neutral","sentiment_score":0.20649508014321327,"num_words":2,"start":2510.355,"end":2511.335}]}}]},{"alternatives":[{"transcript":"Hello? Good. How are you? Yeah. Go for it. Oh, it was a day. Yeah. Yeah. Thank goodness. Yep. That's fine. Yeah. Steven Andrew Carter. 8 Waring Street in Higgins, A C T. What's the last one? Phone number. Oh, nice. September 1980. Yes. Yes, please. I am. Yeah. I can multitask. Oh, no. That's fine. Yep. Yes. I I had a look the other day. I was with CareSuper, and I gave you guys authority to take the money out of that, put it into the hub. I checked my care sleep the other day, and there's 14,000 still in it. Alright. Yeah. Yeah. It was all good. I just I was just wondering. So oh, that should be in the house. So yep. Cool. Yep. Mhmm. Yes. Yep. Yep. Yes. Awesome. Yeah. Yeah. So I'm off probation now. Well, it's more and truly. That's it. Yep. Yeah. Yeah. Yeah. I'm on '92 now. Yep. Yes. Yeah. So up up to $5 or maybe even $10 a year. So Yeah. Pretty well. Everything's just on bills. We're just doing renos at the moment. So But not not real spending as such. Just just daily living sort of stuff and putting our girls through school. So yeah. Well, yeah. Just adding a bedroom and an en suite. It's upping the value of the house a bit. No. Not recently. Yes. Yeah. That's sort of the the going price at the moment. After renos, we're sort of hoping for 1.2, 1.3. It'll be about sixteen weeks. Yeah. Yeah. I actually start tomorrow. No. No. I'm just gonna work here. Yeah. Yep. No. It should be good. Yeah. Slightly increased. I think they're probably up close to the 500, I guess. Yep. No. It's probably about the same. Yep. Yeah. Yeah. Yeah. Just hand tools. Probably a bit more on that now, but yeah. That's right. Yeah. No. It's it is yeah. Yeah. That's sort of why I gave it up. It was starting to hurt too much. Yeah. It's very chill. Yep. Yes. Yep. Yeah. Yeah. Yep. Yeah. Definitely. Yep. Yeah. Yeah. Absolutely. Yep. 65, 70. Yeah. Oh, it depends what I'm doing at the time. Yeah. If I've been in a in a role at selling good coin, then I'll I'll probably stick with it for a few extra years. Yep. Yeah. Yeah. Sure thing. Yeah. Will do. Yes. Yeah. No. No. No. Yeah. I'm I'm happy to go into the SMA and and just see it. Put my trust in you guys and yeah. Yeah. I mean, it's out of my control either way. If I even if I can see what my investments are in, I don't have any control over it really. Yeah. For sure. Yep. Sounds good. I know it goes up and down. So, yeah, it is what it is. Yeah. Exactly. Yeah. Just just let it take its course. Yeah. I think I was always sort of mid mid level there. So sort of, you know, fifty fifty, I guess. Yeah. Yeah. No. Exactly. Yeah. Yeah. I mean, if I had money, I've looked into investing, but that's that's not something at the moment that I've I've got time to put time into. What's the yep. Alright. Yep. Awesome. Yeah. Yeah. At the moment, fairly comfortable. Yeah. Absolutely. Yep. Yes. Yep. Absolutely. Yeah. You guys gotta get paid too. That's yeah. Yeah. Oh, good. I mean, we're on a pretty good weekend. My wife and I say, I mean, I'll be right for a while. I've got assets I can sell. I've also got a a property that my family home that I've I've got part shares in. So if that was able to sell as well, I've got a nice lump somewhere. Siblings and dad. So I've got a six, but, yeah, dad's 84 now. So, you know, he might live another five, six years, ten years, who knows, but, you know, that will get given up also. Yeah. Yeah. There's just three of us. The third. Yeah. Yeah. Yeah. I I I literally moved the street away from him. So it was always here. Yeah. Yeah. So he he's he's got half and then us three have got a third of the other half. Yeah. Yeah. Alright. Yeah. That's fine. Yeah. Definitely. Yeah. Just for one daughter. She's four. Yeah. She's a little she's Yeah. Yeah. She's already in credit score, so I'm going to kindergarten. What? Yes. Yeah. It's 0406 547 4 98. Yeah. Just give them to Bonnie. Yeah. Of course. Correct. Yes. The twenty second January '87. Yeah. Awesome. Yeah. Yeah. Awesome. Uh-huh. Yeah. Yeah. Yeah. When when money's a bit more flowing, I guess. No. I'm just really healthy and and happy. Yeah. Yeah. Yeah. We're we're pretty simple. Pretty simple. Happy go lucky. Yeah. Yeah. Yep. Yeah. I think just leave it for now. Yeah. No. That sounds good. We'll do that. The height's probably the same unless I've shrunk. So one seventy eight, not where about. And last time I weighed was ninety six. So I've lost a ton of weight. Well, I'm due for blood tests probably May. And yes. I mean, last blood test was straight after Christmas, so you can imagine that everything was a bit out of whack. Yeah. Yeah. But you said, look, everything seems to be tracking pretty well. Everything's on a steady decline. My my blood pressure's good now. Yes. Her blood pressure, cholesterol is down. No. Everything's gone down. It's just at the time, you know, I've had a lot of Christmas pudding, I guess. Yeah. Yeah. Sure. Yep. Yep. Yeah. Awesome. Thank you very much. Yeah. That's it. Yeah. Oh, yeah. Yeah. Right. We're regular do regular exercise together as a family, so that's cool. Yeah. Yeah. That'd be good. It's on the list. Yes, please. Yeah. No. I want to, I guess. We have to. Mhmm. Oh, a 100%. Yes. Yeah. Oh, $1.07. Yeah. Just public service. Yeah. No. No. Everything is tipped. I think all the boxes are tipped or or has it done. So Yeah. Definitely. Awesome. Yeah. Great. Great. Excellent communication. You know, like, you you're doing the the right job. So I'm glad I I switched over. Yeah. Of course. Your chance? Unreal. That's awesome. If you could check one of your fridge maintenance in as well, that'd be good. Yeah. Thank you. Thank you. Thanks for everything as well. Take care. 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Good. How are you? Yeah. Go for it.\n\nOh, it was a day. Yeah. Yeah. Thank goodness. Yep.\n\nThat's fine. Yeah. Steven Andrew Carter. 8 Waring Street in Higgins, A C T. What's the last one?\n\nPhone number. Oh, nice. September 1980. Yes. Yes, please.\n\nI am. Yeah. I can multitask. Oh, no. That's fine.\n\nYep. Yes. I I had a look the other day. I was with CareSuper, and I gave you guys authority to take the money out of that, put it into the hub. I checked my care sleep the other day, and there's 14,000 still in it.\n\nAlright. Yeah. Yeah. It was all good. I just I was just wondering.\n\nSo oh, that should be in the house. So yep. Cool. Yep. Mhmm.\n\nYes. Yep. Yep. Yes. Awesome.\n\nYeah. Yeah. So I'm off probation now. Well, it's more and truly. That's it.\n\nYep. Yeah. Yeah. Yeah. I'm on '92 now.\n\nYep. Yes. Yeah. So up up to $5 or maybe even $10 a year. So Yeah.\n\nPretty well. Everything's just on bills. We're just doing renos at the moment. So But not not real spending as such. Just just daily living sort of stuff and putting our girls through school.\n\nSo yeah. Well, yeah. Just adding a bedroom and an en suite. It's upping the value of the house a bit. No.\n\nNot recently. Yes. Yeah. That's sort of the the going price at the moment. After renos, we're sort of hoping for 1.2, 1.3.\n\nIt'll be about sixteen weeks. Yeah. Yeah. I actually start tomorrow. No.\n\nNo. I'm just gonna work here. Yeah. Yep. No.\n\nIt should be good. Yeah. Slightly increased. I think they're probably up close to the 500, I guess. Yep.\n\nNo. It's probably about the same. Yep. Yeah. Yeah.\n\nYeah. Just hand tools. Probably a bit more on that now, but yeah. That's right. Yeah.\n\nNo. It's it is yeah. Yeah. That's sort of why I gave it up. It was starting to hurt too much.\n\nYeah. It's very chill. Yep. Yes. Yep.\n\nYeah. Yeah. Yep. Yeah. Definitely.\n\nYep. Yeah. Yeah. Absolutely. Yep.\n\n65, 70. Yeah. Oh, it depends what I'm doing at the time. Yeah. If I've been in a in a role at selling good coin, then I'll I'll probably stick with it for a few extra years.\n\nYep. Yeah. Yeah. Sure thing. Yeah.\n\nWill do. Yes. Yeah. No. No.\n\nNo. Yeah. I'm I'm happy to go into the SMA and and just see it. Put my trust in you guys and yeah. Yeah.\n\nI mean, it's out of my control either way. If I even if I can see what my investments are in, I don't have any control over it really. Yeah. For sure. Yep.\n\nSounds good. I know it goes up and down. So, yeah, it is what it is. Yeah. Exactly.\n\nYeah. Just just let it take its course. Yeah. I think I was always sort of mid mid level there. So sort of, you know, fifty fifty, I guess.\n\nYeah. Yeah. No. Exactly. Yeah.\n\nYeah. I mean, if I had money, I've looked into investing, but that's that's not something at the moment that I've I've got time to put time into. What's the yep. Alright. Yep.\n\nAwesome. Yeah. Yeah. At the moment, fairly comfortable. Yeah.\n\nAbsolutely. Yep. Yes. Yep. Absolutely.\n\nYeah. You guys gotta get paid too. That's yeah. Yeah. Oh, good.\n\nI mean, we're on a pretty good weekend. My wife and I say, I mean, I'll be right for a while. I've got assets I can sell. I've also got a a property that my family home that I've I've got part shares in. So if that was able to sell as well, I've got a nice lump somewhere.\n\nSiblings and dad. So I've got a six, but, yeah, dad's 84 now. So, you know, he might live another five, six years, ten years, who knows, but, you know, that will get given up also. Yeah. Yeah.\n\nThere's just three of us. The third. Yeah. Yeah. Yeah.\n\nI I I literally moved the street away from him. So it was always here. Yeah. Yeah. So he he's he's got half and then us three have got a third of the other half.\n\nYeah. Yeah. Alright. Yeah. That's fine.\n\nYeah. Definitely. Yeah. Just for one daughter. She's four.\n\nYeah. She's a little she's Yeah. Yeah. She's already in credit score, so I'm going to kindergarten. What?\n\nYes. Yeah. It's 0406 547 4 98. Yeah. Just give them to Bonnie.\n\nYeah. Of course. Correct. Yes. The twenty second January '87.\n\nYeah. Awesome. Yeah. Yeah. Awesome.\n\nUh-huh. Yeah. Yeah. Yeah. When when money's a bit more flowing, I guess.\n\nNo. I'm just really healthy and and happy. Yeah. Yeah. Yeah.\n\nWe're we're pretty simple. Pretty simple. Happy go lucky. Yeah. Yeah.\n\nYep. Yeah. I think just leave it for now. Yeah. No.\n\nThat sounds good. We'll do that. The height's probably the same unless I've shrunk. So one seventy eight, not where about. And last time I weighed was ninety six.\n\nSo I've lost a ton of weight. Well, I'm due for blood tests probably May. And yes. I mean, last blood test was straight after Christmas, so you can imagine that everything was a bit out of whack. Yeah.\n\nYeah. But you said, look, everything seems to be tracking pretty well. Everything's on a steady decline. My my blood pressure's good now. Yes.\n\nHer blood pressure, cholesterol is down. No. Everything's gone down. It's just at the time, you know, I've had a lot of Christmas pudding, I guess. Yeah.\n\nYeah. Sure. Yep. Yep. Yeah.\n\nAwesome. Thank you very much. Yeah. That's it. Yeah.\n\nOh, yeah. Yeah. Right. We're regular do regular exercise together as a family, so that's cool. Yeah.\n\nYeah. That'd be good. It's on the list. Yes, please. Yeah.\n\nNo. I want to, I guess. We have to. Mhmm. Oh, a 100%.\n\nYes. Yeah. Oh, $1.07. Yeah. Just public service.\n\nYeah. No. No. Everything is tipped. I think all the boxes are tipped or or has it done.\n\nSo Yeah. Definitely. Awesome. Yeah. Great.\n\nGreat. Excellent communication. You know, like, you you're doing the the right job. So I'm glad I I switched over. Yeah.\n\nOf course. Your chance? Unreal. That's awesome. If you could check one of your fridge maintenance in as well, that'd be good.\n\nYeah. Thank you. Thank you. Thanks for everything as well. Take care.\n\nBye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.5999999,"end":2.1,"sentiment":"neutral","sentiment_score":0.02285866811871529},{"text":"Good.","start":7.44,"end":7.8399997,"sentiment":"positive","sentiment_score":0.3727179765701294},{"text":"How are you?","start":7.8399997,"end":8.66,"sentiment":"neutral","sentiment_score":0.2684163302183151},{"text":"Yeah.","start":15.335,"end":15.495,"sentiment":"neutral","sentiment_score":0.11301656067371368},{"text":"Go for it.","start":15.495,"end":16.475,"sentiment":"neutral","sentiment_score":0.19379234810670218}],"sentiment":"neutral","sentiment_score":0.2105799155930678,"num_words":9,"start":1.5999999,"end":16.475},{"sentences":[{"text":"Oh, it was a 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cool.","start":2165.0151,"end":2169.115,"sentiment":"positive","sentiment_score":0.6492679615815481},{"text":"Yeah.","start":2169.815,"end":2170.315,"sentiment":"positive","sentiment_score":0.5208006501197815}],"sentiment":"positive","sentiment_score":0.5643279482336605,"num_words":17,"start":2161.8901,"end":2170.315},{"sentences":[{"text":"Yeah.","start":2179.095,"end":2179.415,"sentiment":"neutral","sentiment_score":0.24975533783435824},{"text":"That'd be good.","start":2179.415,"end":2180.315,"sentiment":"neutral","sentiment_score":0.2944739560286204},{"text":"It's on the list.","start":2191.3398,"end":2192.4,"sentiment":"neutral","sentiment_score":0.02357107074931264},{"text":"Yes, please.","start":2247.85,"end":2248.59,"sentiment":"neutral","sentiment_score":0.05028201825916767},{"text":"Yeah.","start":2279.995,"end":2280.315,"sentiment":"neutral","sentiment_score":-0.021498821675777435}],"sentiment":"neutral","sentiment_score":0.11877515488727526,"num_words":11,"start":2179.095,"end":2280.315},{"sentences":[{"text":"No.","start":2280.315,"end":2280.555,"sentiment":"neutral","sentiment_score":-0.09175382554531096},{"text":"I want to, I guess.","start":2280.555,"end":2281.775,"sentiment":"neutral","sentiment_score":-0.0954591080546379},{"text":"We have to.","start":2282.395,"end":2283.355,"sentiment":"neutral","sentiment_score":-0.06359875947237015},{"text":"Mhmm.","start":2283.355,"end":2283.855,"sentiment":"neutral","sentiment_score":-0.03406097739934921},{"text":"Oh, a 100%.","start":2285.835,"end":2286.955,"sentiment":"neutral","sentiment_score":0.11297503610452016}],"sentiment":"neutral","sentiment_score":-0.03499857794779997,"num_words":13,"start":2280.315,"end":2286.955},{"sentences":[{"text":"Yes.","start":2286.955,"end":2287.455,"sentiment":"neutral","sentiment_score":0.10830233246088028},{"text":"Yeah.","start":2300.57,"end":2301.07,"sentiment":"neutral","sentiment_score":0.11968062818050385},{"text":"Oh, $1.07.","start":2310.9448,"end":2311.9248,"sentiment":"neutral","sentiment_score":0.012393355835229158},{"text":"Yeah.","start":2313.825,"end":2314.325,"sentiment":"neutral","sentiment_score":0.12844465672969818},{"text":"Just public service.","start":2323.6401,"end":2325.4202,"sentiment":"neutral","sentiment_score":0.12147391587495804}],"sentiment":"neutral","sentiment_score":0.09320450958330184,"num_words":8,"start":2286.955,"end":2325.4202},{"sentences":[{"text":"Yeah.","start":2339.315,"end":2339.815,"sentiment":"neutral","sentiment_score":0.02635028213262558},{"text":"No.","start":2353.79,"end":2354.11,"sentiment":"neutral","sentiment_score":-0.05409747734665871},{"text":"No.","start":2354.11,"end":2354.61,"sentiment":"neutral","sentiment_score":-0.047414571046829224},{"text":"Everything is tipped.","start":2354.6702,"end":2355.87,"sentiment":"neutral","sentiment_score":-0.024567213530341785},{"text":"I think all the boxes are tipped or or has it done.","start":2355.87,"end":2359.73,"sentiment":"neutral","sentiment_score":0.0637487683755656}],"sentiment":"neutral","sentiment_score":0.03422898964749442,"num_words":18,"start":2339.315,"end":2359.73},{"sentences":[{"text":"So Yeah.","start":2359.87,"end":2383.71,"sentiment":"neutral","sentiment_score":0.17585168033838272},{"text":"Definitely.","start":2384.17,"end":2384.67,"sentiment":"neutral","sentiment_score":0.24189309775829315},{"text":"Awesome.","start":2388.6501,"end":2389.1501,"sentiment":"positive","sentiment_score":0.5489378571510315},{"text":"Yeah.","start":2395.945,"end":2396.185,"sentiment":"neutral","sentiment_score":0.20995213091373444},{"text":"Great.","start":2396.185,"end":2396.665,"sentiment":"positive","sentiment_score":0.4773389995098114}],"sentiment":"neutral","sentiment_score":0.3049709076682727,"num_words":6,"start":2359.87,"end":2396.665},{"sentences":[{"text":"Great.","start":2396.665,"end":2397.165,"sentiment":"positive","sentiment_score":0.4704977571964264},{"text":"Excellent communication.","start":2397.225,"end":2398.2852,"sentiment":"positive","sentiment_score":0.597022294998169},{"text":"You know, like, you you're doing the the right job.","start":2398.665,"end":2401.325,"sentiment":"positive","sentiment_score":0.539208984375},{"text":"So I'm glad I I switched over.","start":2401.545,"end":2404.205,"sentiment":"positive","sentiment_score":0.597131609916687},{"text":"Yeah.","start":2427.7751,"end":2428.2751,"sentiment":"neutral","sentiment_score":0.028867065906524655}],"sentiment":"positive","sentiment_score":0.5364485964888618,"num_words":21,"start":2396.665,"end":2428.2751},{"sentences":[{"text":"Of course.","start":2436.75,"end":2437.4102,"sentiment":"neutral","sentiment_score":0.06612681411206722},{"text":"Your chance?","start":2458.925,"end":2459.665,"sentiment":"neutral","sentiment_score":0.09188700467348099},{"text":"Unreal.","start":2490.245,"end":2490.745,"sentiment":"neutral","sentiment_score":-0.13720402121543884},{"text":"That's awesome.","start":2491.22,"end":2491.88,"sentiment":"positive","sentiment_score":0.6658762693405151},{"text":"If you could check one of your fridge maintenance in as well, that'd be good.","start":2492.5,"end":2496.1199,"sentiment":"neutral","sentiment_score":0.20279791988432408}],"sentiment":"neutral","sentiment_score":0.20693386151370677,"num_words":22,"start":2436.75,"end":2496.1199},{"sentences":[{"text":"Yeah.","start":2498.3398,"end":2498.8398,"sentiment":"neutral","sentiment_score":0.10815460234880447},{"text":"Thank you.","start":2502.785,"end":2503.4448,"sentiment":"positive","sentiment_score":0.5151499956846237},{"text":"Thank you.","start":2504.7048,"end":2505.1848,"sentiment":"positive","sentiment_score":0.7358700931072235},{"text":"Thanks for everything as well.","start":2505.1848,"end":2506.7249,"sentiment":"positive","sentiment_score":0.761918044090271},{"text":"Take care.","start":2509.3447,"end":2509.9849,"sentiment":"positive","sentiment_score":0.38759040832519526}],"sentiment":"positive","sentiment_score":0.5995804847528537,"num_words":12,"start":2498.3398,"end":2509.9849},{"sentences":[{"text":"Bye bye.","start":2509.9849,"end":2510.6448,"sentiment":"neutral","sentiment_score":0.23110772669315338}],"sentiment":"neutral","sentiment_score":0.23110772669315338,"num_words":2,"start":2509.9849,"end":2510.6448}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Steven. This is Dana from OQ Financial. How are you this afternoon?\n\nChannel 1: Good. How are you?\n\nChannel 0: I'm very well. Thank you. Thank you for asking. I had you booked in to go through a bit of an annual review with you. Is now a good time?\n\nChannel 1: Yeah. Go for it.\n\nChannel 0: Yeah. Fantastic. How has your day been?\n\nChannel 1: Oh, it was a day.\n\nChannel 0: Yeah. Monday,\n\nChannel 1: Yeah.\n\nChannel 0: up and done with.\n\nChannel 1: Yeah. Thank goodness.\n\nChannel 0: All good, Steven. Before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Beautiful. And just to do security there with you as well, we are discussing your personal information. So I'll just get you to confirm your full name, date of birth, and address I should have on file for you.\n\nChannel 1: Yeah. Steven Andrew Carter.\n\nChannel 0: Yep.\n\nChannel 1: 8 Waring Street in Higgins, A C T. What's the last one? Phone number.\n\nChannel 0: Date of date of birth. Sorry.\n\nChannel 1: Oh, nice. September 1980.\n\nChannel 0: Beautiful. Lovely. Steven, to sort of run through things, I know we do normally send through your annual review documents. I've had a little bit of Internet trouble today. So I'll go through everything with you and provide an update, and then I'll get my admin team to email those AR documents through to you within the next sort of twenty four hours.\n\nIs that okay?\n\nChannel 1: Yes. Yes, please.\n\nChannel 0: Yeah. Beautiful. All good. Sounds like you're getting ready to cook dinner.\n\nChannel 1: I am. Yeah.\n\nChannel 0: Nice.\n\nChannel 1: I can multitask.\n\nChannel 0: You've done well. If you need me to stop at any point, just let me know, but I'll try not to take up too much of your time. Okay?\n\nChannel 1: Oh, no. That's fine.\n\nChannel 0: Fantastic. All good. So just wanted to sort of run through and give you a bit of an update on where things are at the moment as well. But before\n\nChannel 1: Yep.\n\nChannel 0: we jump into the annual review properly, is there anything that you wanted me to sort of touch base on? Any sort of questions you had that you would like to maybe have me touch on?\n\nChannel 1: Yes. I I had a look the other day. I was with CareSuper, and I gave you guys authority to take the money out of that, put it into the hub.\n\nChannel 0: Yes. Yes.\n\nChannel 1: I checked my care sleep the other day, and there's 14,000 still in\n\nChannel 0: Yes. Yeah. Correct. So we have retained the CareSoupa to retain to stay open because it does have your insurances in\n\nChannel 1: it.\n\nChannel 0: place there at the moment. So we\n\nChannel 1: Alright.\n\nChannel 0: are retaining CareSleeper as well as having hub 24 so that you do have a level of cover. Sorry. I'm just my colleague just got off the phone to be able to do the research with them. It has been a little bit tight to get that information, but sorry. Might give me one second.\n\nMy computer's a little bit slow for Monday afternoon. Gotta love technology when it wants to work.\n\nChannel 1: Yeah.\n\nChannel 0: The statement. The most recent\n\nChannel 1: Yeah.\n\nChannel 0: statement\n\nChannel 1: It was all\n\nChannel 0: we\n\nChannel 1: good. I\n\nChannel 0: have.\n\nChannel 1: just I was just wondering. So oh,\n\nChannel 0: Yeah.\n\nChannel 1: that\n\nChannel 0: No.\n\nChannel 1: should\n\nChannel 0: That's\n\nChannel 1: be in the house. So\n\nChannel 0: absolutely fine.\n\nChannel 1: yep. Cool.\n\nChannel 0: So, yeah, so we do have majority of your funds in Hub, but I think when you came on board, one of the things that they did discuss with you was just with your health. You were prediabetic, so it did make getting new cover quite expensive.\n\nChannel 1: Yep.\n\nChannel 0: So they have retained the Care Super to retain the life and TPD components.\n\nChannel 1: Mhmm.\n\nChannel 0: It does, unfortunately, mean that you don't have any income protection. So it does mean that in the event that you're not able to work, there is no\n\nChannel 1: Yes.\n\nChannel 0: monthly benefit to fall back on. But it does mean that we're having a life cover there, that if anything was to happen, that you do have some life cover, plus you're super to be paid out to your beneficiaries. And it looks like you've got some TBD there as well, so total permanent disability, which can pay out a lump sum benefit or an income stream in the event that you're unable to go to work again due to being totally permanently disabled. Yeah. Oh, good.\n\nI'm just trying to double check the amounts that we have here for you. As\n\nChannel 1: Yep.\n\nChannel 0: of the first the first so the January 30 this year, the amount of life that you had in there was a 124,500. And with the TPD, the amount you have was about 83,000. So,\n\nChannel 1: Yep.\n\nChannel 0: realistically, with TPD, if you are to be TPD, there is tax that can be paid on the TPD benefit amount. It is, unfortunately, up to 22%. I personally do disagree. I don't think I think if you're permanently disabled and not able to work again, the last thing the tax man should be getting is up to 22% of your TBD claim. But we can also claim permanent incapacity minimize the tax as much as possible and to get the maximum benefit, whether it be keep it invested and draw down a regular income.\n\nAnd there's a few little fun fancy things that we can do to help minimize the tax on that as well for you.\n\nChannel 1: Yes.\n\nChannel 0: Okay?\n\nChannel 1: Awesome.\n\nChannel 0: Yeah. How's everything been going work wise? I had it down here that you were working in sales. And last time we spoke well, I'm so sorry. It was about 2020, like, 2024.\n\nYou were still on probation, but you had that new role. Are you still in the same role you were last time we caught\n\nChannel 1: Yeah.\n\nChannel 0: up?\n\nChannel 1: Yeah. So I'm off probation now. Well, it's more and truly.\n\nChannel 0: Perfect. Yep. Perfect. Lovely. And that's a Bob Jane team.\n\nIs that right?\n\nChannel 1: That's it. Yep.\n\nChannel 0: Yep. Perfect. And how's everything going? You're still enjoying the role?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Fantastic. Income wise, have they given you a pay rise? I'm sure you're worth a lot more than you're on back in 2024.\n\nChannel 1: Yeah. I'm on '92 now.\n\nChannel 0: Oh, fantastic. We had 85 down here, so that is good to see. So 92,000?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. And do you get regular bonuses or commissions or anything on top of that at all?\n\nChannel 1: Yes. Yeah. So\n\nChannel 0: Yes.\n\nChannel 1: up up to $5 or\n\nChannel 0: Perfect.\n\nChannel 1: maybe even $10 a year. So\n\nChannel 0: Yeah. Lovely. 10,000 per year. Excellent. Fantastic.\n\nAnd are you managing to put much away in the way of savings at the moment, or is everything going towards the bills and expenditure? How's everything looking that way?\n\nChannel 1: Yeah. Pretty well. Everything's just on\n\nChannel 0: Yep.\n\nChannel 1: bills. We're just doing renos at the moment. So\n\nChannel 0: Fun.\n\nChannel 1: But not not real spending as such. Just\n\nChannel 0: Yep.\n\nChannel 1: just daily living sort of stuff and\n\nChannel 0: Yeah.\n\nChannel 1: putting our girls\n\nChannel 0: And\n\nChannel 1: through\n\nChannel 0: and\n\nChannel 1: school.\n\nChannel 0: the renovations.\n\nChannel 1: So yeah.\n\nChannel 0: All good. What a way you're about to be renovating first? What's the what have you started on?\n\nChannel 1: Well, yeah. Just adding a bedroom and an en suite. It's\n\nChannel 0: Yep.\n\nChannel 1: upping the value of the house a bit.\n\nChannel 0: Yeah. Perfect. And your property that you have there, we had that valued last year at about a million dollars. What sort of value do you put on the property now? Have you sort of looked at that or had it valued?\n\nOr\n\nChannel 1: No. Not recently.\n\nChannel 0: no. That's okay. Would you like, if the other way to look at that is if you were to sell the property tomorrow, what would you want for? What value is it to you? Would you sort of keep it at that million dollar mark, or do you think\n\nChannel 1: Yes.\n\nChannel 0: you might alter\n\nChannel 1: Yeah.\n\nChannel 0: it?\n\nChannel 1: That's sort of the the going price at the moment.\n\nChannel 0: Yeah.\n\nChannel 1: After renos, we're sort of hoping for 1.2, 1.3.\n\nChannel 0: Okay. Perfect. 1.2 to 1.3 after the renovations. Lovely. And what's the time frame if you're giving yourself that you're hoping to have those completed by?\n\nChannel 1: It'll be about sixteen weeks.\n\nChannel 0: Okay. Perfect. Are you on track? Or\n\nChannel 1: Yeah. Yeah. I actually\n\nChannel 0: Yep.\n\nChannel 1: start tomorrow.\n\nChannel 0: Oh, nice. And are you on are you taking time off to do that, or you'll still be working?\n\nChannel 1: No. No. I'm just gonna work here.\n\nChannel 0: Yeah. Perfect. Well, I hope it all goes well. I know renovations can be very testing, but, look, it can be really rewarding once it's done as well.\n\nChannel 1: Yeah. Yep. No. It should be good.\n\nChannel 0: Fantastic. We had the loan there for the property at about 375,000. Have you managed to reduce the loan a bit since then, or have you increased\n\nChannel 1: Yeah. Slightly increased.\n\nChannel 0: Yep. Lovely. Do you know roughly what it might be at the moment?\n\nChannel 1: I think they're probably up close to the 500, I guess.\n\nChannel 0: Yep. That's okay. Perfect. Even this estimate is completely fine. Not a problem at all.\n\nOther assets I had noted here was your Ranger. You had an asset value of about 16,000 on that one. What sort of value would you put on your car at the moment, do you think?\n\nChannel 1: Yep. No. It's probably about the same.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: That's okay. And no debt on that one. I've got here you own it outright. Yeah. Beautiful.\n\nContents is\n\nChannel 1: Yeah.\n\nChannel 0: roughly valued about 80,000. Is that right? Yep. Perfect. And I've got some tools here with some value as well.\n\nI have a value on those of about sorry. I believe it might be 2,000. Is that right?\n\nChannel 1: Yeah. Yeah. Just hand\n\nChannel 0: Yep.\n\nChannel 1: tools. Probably a\n\nChannel 0: Yeah.\n\nChannel 1: bit more on that now, but\n\nChannel 0: Yep. That's okay. Perfect. Is that back from kind of your landscaping days?\n\nChannel 1: yeah. That's right.\n\nChannel 0: Yeah. Perfect. To tell you what, I have a lot of, I think very highly of landscapers. I'm giving a landscaping a go on my property in my backyard. It's taking a long time to do, but it's kinda fun.\n\nChannel 1: Yeah.\n\nChannel 0: It's very hard work,\n\nChannel 1: No. It's\n\nChannel 0: though.\n\nChannel 1: it is\n\nChannel 0: Very arduous on the back and the legs.\n\nChannel 1: yeah. Yeah. That's sort of why I gave it up. It was starting to hurt too much.\n\nChannel 0: Yeah. No. Absolutely. Well, what you're doing now sounds really cool.\n\nChannel 1: Yeah. It's very chill.\n\nChannel 0: Oh, fantastic. Thinking forward, now I'll give you a bit of run through on what your super doing and kinda how everything's been going there for you. We\n\nChannel 1: Yep.\n\nChannel 0: have seen some ups and downs. I know just before we kinda did touch on the fact that you're sorry. We do have your care super open. So that was kept open initially for the insurance component. And, realistically, we only wanna we only wanna keep around about 10,000 in there, but\n\nChannel 1: Yes.\n\nChannel 0: we do wanna make sure your contributions continue to go into CareSoup. And then at review time every year, we do wanna do a regular rollover. What I would like to do, if you're comfortable with, I'd like to go back and just update the advice for you. Just reevaluate the investments within CareSoup and Hub twenty four, make sure everything's in line with your risk profile, which we'll check shortly, and just maybe make sure everything's working between the two funds, look at what's happening there. But with your Hub twenty four sorry.\n\nMy computer's thinking about it there. I did just pull up a a statement to have a bit of a look. So in the last twelve months within Hub twenty four, your portfolio has increased by 8.24, which is really good to see. It's a it's an\n\nChannel 1: Yep.\n\nChannel 0: increase in the last twelve months, and that's just solely what your portfolio has been doing because without contributions going in, it's really just making sure that portfolio is working on its own. So it has that's done really, really well for the for the year, which is fantastic to see.\n\nChannel 1: Yeah.\n\nChannel 0: When I have a look at the individual investments sorry. So when I look at the individual investments alone, everything is up. The only one I'm sort of concerned about is the Bennelong Australian Equities. So when that was originally recommended to you as part of your advice document, Bennelong has done really well all the way up until essentially mid last year. Late last year, early this year, we have seen some changes.\n\nSo Bennelong has, unfortunately, one of their underlying investments, Corporate Traveler, was being a bit dishonest to the market there. As public companies do, they have to report to the market. Corporate traveler reported the discrepancies, and it meant that Benelongs had to go back and reevaluate that portion of their investments. So whilst you've received an 8% return, which is fantastic, and your portfolio is up overall, then along is down a little bit. And we've sort of reevaluated that as an investment, and I'd like to actually remove it from your portfolio and put something else in its place.\n\nWe\n\nChannel 1: Yeah.\n\nChannel 0: wanna make sure that we're removing any underperforming investments to keep things working harder for you and\n\nChannel 1: Yep.\n\nChannel 0: replacing them when we do need to. You are comfortable with me going ahead and doing that for you?\n\nChannel 1: Yeah. Definitely. Yep.\n\nChannel 0: Yep. Perfect. What we are sort of looking at now, I know this was placed in there as a bit of a and more of an actively managed fund. But what we are sort of replacing it with is more of a passively managed fund. We are sort of looking at still keeping the Australian exposure for you because it's important to have that, but looking at investments to put in its place, which might be more passively managed, that essentially means that they track a market index and start to outperform the market.\n\nIt can\n\nChannel 1: Yeah.\n\nChannel 0: sort of help just reduce some of the risk level that you are taking there. And when you look at active managers versus passive managers, just being in the market and tracking an index, you tend to do better over the longer term. Some of these active managers that are trying to outperform the market, they often don't beat the market. And, realistically, when you look at all the different active managers, most of them don't outperform the market on a regular basis. So we could just kinda wanna replace that with something a bit more low cost to make sure we're reducing the risk level where possible, but also make sure that we're removing those underperforming investments.\n\nDoes that make sense?\n\nChannel 1: Yeah. Absolutely.\n\nChannel 0: Yeah. Beautiful. Beautiful. Now having a look at your age as well, because one of the important things to look at is when you're hoping to retire, I've got Hina you're 46 this year. Is that right?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. What age are you sort of hoping you'd like to be able to stop working and maybe access super?\n\nChannel 1: 65, 70.\n\nChannel 0: Yep. Do you think\n\nChannel 1: Yeah.\n\nChannel 0: you're more likely or hoping to at 65, or do you think you're more likely to probably work a bit longer?\n\nChannel 1: Oh, it depends what I'm doing at the time.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: If I've been in a in a role at selling good coin, then I'll I'll probably stick with it for a few extra years.\n\nChannel 0: Yeah. That's okay. Not a problem at all. So when we did go to update the advice, you know, the last advice piece you were given, we would have sort of shown you right up into the age of retirement what the projected outcome might look like, which always looks beautiful that long away. But what I'll do is I'll only update the advice to reflect the next ten years for you.\n\nChannel 1: Yep.\n\nChannel 0: It kinda gives us an idea of where we're tracking the next ten years, and we're working in ten year lots. So we know that in the next ten years, a lot contains in your life. I don't wanna project twenty or thirty years out because a lot there's too many things that could change in that in in that time frame.\n\nChannel 1: Yeah.\n\nChannel 0: So I wanna make sure as we're kinda working towards your goal that we're doing it in lots of, you know, ten or fifteen years, and then we sort of update that every couple of couple of years to make sure we're staying on track and updating things more regularly for you. Does that make sense? Does that sound okay with you, Steven?\n\nChannel 1: Yeah. Sure thing.\n\nChannel 0: Yep. Perfect. You're welcome to stop me and ask any questions you have. I know I'm probably the happiest person to ever talk about super. But if you have questions or want me to break anything down more for you, please do let me know.\n\nOkay?\n\nChannel 1: Yeah. Will do.\n\nChannel 0: Beautiful. Now one of the other things that's really important is looking at sort of this the tax consequences inside your super. Because just like you do it and then your tax return with your accountant, your super does a tax return for your super every year as well, all the the trustees and the accounts. So the super fund do a tax return every year for your super. So one of the things I can look at is definitely looking at just replacing that Better Long Australian Equities with something else and maybe limiting the tax consequences of it that way for you.\n\nBut the other thing I just wanted to also sort of bring up was that, recently, our our investment committee along with our BlackRock's investment committee, and I'm not sure if you've ever heard of BlackRock before, but one of Australia's largest investment firms, we've actually joined together and built what's called a separately managed account. An SMA is essentially an investment product, a bit like what you've got your funds invested in. And you'd be if you wanted to go look at this as a product, you would be in the Oakview SMA. But in that on SMA, you actually have anywhere between 20 to 50 different investment options. The benefit to having an SMA is that when things like what happened with Bennelong occur, we can actually remove those underlying investments quickly and easily without having to update advice there for you.\n\nThe\n\nChannel 1: Yes.\n\nChannel 0: downside to having an SMA is that you can't see all the individual investments that you're invested in. All you would see is your balance and that you're in that SMA. What\n\nChannel 1: Yeah.\n\nChannel 0: I would like to find out is would you be open to looking at something like that if it's gonna provide graded benefit, or would you like to see the way your investments are structured? What's more preferable\n\nChannel 1: No.\n\nChannel 0: to\n\nChannel 1: No.\n\nChannel 0: you?\n\nChannel 1: No. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I'm I'm happy to go into the SMA and\n\nChannel 0: Yeah.\n\nChannel 1: and just see it. Put my trust in you guys and\n\nChannel 0: Yeah. Perfect. Well, I promise I will look after you.\n\nChannel 1: yeah. Yeah. I mean, it's out of my control either way. If I even\n\nChannel 0: Yeah.\n\nChannel 1: if I can see what my investments\n\nChannel 0: Yep.\n\nChannel 1: are in,\n\nChannel 0: Yep.\n\nChannel 1: I don't have any control over it really.\n\nChannel 0: That's okay. Not a problem. Well, you can use me to the full advantage. I can go back and look at all of those options for you, look at the tax consequences. I can look at the cost of it.\n\nAnd then I can update the recommendations to reflect which way I think we should go, and I can show you the reasoning, the cost, the CGT, all of the things around that so you can, let me know what you're comfortable with. Does that sound okay?\n\nChannel 1: Yeah. For sure.\n\nChannel 0: Yeah. Beautiful. I'll do all that research there for you, and I'll update their advice document to reflect. I know you do have a bit more in CareSoup, but we'll retain CareSoup the way it is for the moment just until I update the advice document. And\n\nChannel 1: Yep.\n\nChannel 0: in that, I'll also look at the investors within CareSoup before you just see whether we need to alter those or whether you're invested correctly there. Okay?\n\nChannel 1: Sounds good.\n\nChannel 0: Perfect. Now a couple of other questions just to kinda gauge on your risk level and where we are and what you should be maybe invested in. Having a look so sorry. My throat's a little bit sore. I do apologize that I keep pausing.\n\nJust with the so if you looked at your sleep over the next sort of six months to twelve months, and you sort of found that it had fallen, whether it'd be 10%, twenty percent, how do you think you might be feeling about that?\n\nChannel 1: I know it goes up and down. So, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: it is what it is.\n\nChannel 0: Yeah. Do you think you'd be wanting to put more money in to try and get take advantage of the TIF, or do you think you might just be wanting to hold and wait and let it recover and maybe talk to us at the time? How do you\n\nChannel 1: Yeah.\n\nChannel 0: think you might\n\nChannel 1: Exactly.\n\nChannel 0: be feeling?\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Just just let it take its course.\n\nChannel 0: Yep. Beautiful. Fantastic. When you think about your super, do you feel comfortable taking on a higher level of risk to try and get greater potential returns, or do you feel a bit more risk averse with the ups and downs that we're sort of seeing at the moment? How do you feel about risk in the market?\n\nChannel 1: Yeah. I think I was always sort of mid mid level there. So\n\nChannel 0: Yep.\n\nChannel 1: sort of, you know, fifty fifty, I guess.\n\nChannel 0: Yeah. Yeah. Perfect. So you're comfortable taking on a a moderate to medium amount of risk. You wanna get the best returns you can, but not wanting to just go all in.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Yep. Perfect. Lovely. And am I right in thinking you're trying to sort of get the best returns you possibly can out of your sleep, aiming for the the sky's the limit there to get you super working as hard as possible?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. And just sort of thinking about investing as well, have you ever owned direct shares or managed funds in your own name at all?\n\nChannel 1: No.\n\nChannel 0: Nope. That's okay. Beautiful. And do you think you'd ever be open to the option of maybe borrowing money from a financial institution in order to invest, or it's something you wouldn't wanna consider? You'd only borrow for, say, property?\n\nChannel 1: Exactly. Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I mean, if I had money, I've looked into investing, but that's\n\nChannel 0: Yeah.\n\nChannel 1: that's not something at the moment that I've I've got time to put time into.\n\nChannel 0: Okay. No.\n\nChannel 1: What's the\n\nChannel 0: That's okay. Well, if you ever do wanna talk about investing outside of super, please give me a call. Let me know.\n\nChannel 1: yep.\n\nChannel 0: As part of us, we are a financial adviser, and I can give you advice on other areas, not just sort of looking at super. We start with super insurances because that's kind of we're working towards your retirement goals and and having the insurances that'll protect your lifestyle. But if you wanted to talk about investing outside of super, we can also provide advice in those areas for you. We have mortgage brokers that you can talk to if you wanted to have\n\nChannel 1: Alright.\n\nChannel 0: your mortgage reevaluated as well. So\n\nChannel 1: Yep.\n\nChannel 0: feel free to give us a call. Let me know if there's any questions you have. If I can ask them or give advice, I will. If I can't, I can refer you through to someone who can help you. Okay?\n\nChannel 1: Awesome.\n\nChannel 0: Yeah. Not a problem at all. Now I've just done that risk profile questionnaire with you. How you have scored is more of a growth investor. So you are in that kind of growth environment at the moment, and, generally, this sort of investor sees about 80% of their super invested in growth assets.\n\nSo you're thinking about things like Australian shares, international shares, some listed property, and also some commodities like gold and silver there as well.\n\nChannel 1: Yeah.\n\nChannel 0: The other 20% would be, you know, slower risk kind of defensive investments, the things like cash, bonds, and fixed interest. This is by no means at the top of that investor scale. You're kind of midway at the moment. Do you feel like you're comfortable staying in that kind of area, or would you wanna maybe look at evaluating that?\n\nChannel 1: Yeah. At the moment, fairly comfortable.\n\nChannel 0: Yeah. Yep. Yep. Beautiful. To give you a bit of an idea with that growth sort of environment there, it normally suits someone who has at least six years before they're needing or wanting to access their their money or their super, so you do kind of have that time horizon for it.\n\nWith the way we see the investments going with that growth portfolio, we are aiming for about a seven to 9% return on an annual basis compounding that forward. But we do understand because markets go up and down, we can expect a likelihood of a negative return sort of one in every five years. Do you feel you feel comfortable with that if that's okay?\n\nChannel 1: Yeah. Absolutely.\n\nChannel 0: Yep. Beautiful. And you've got lot a lot longer that that 60 time horizon ahead of you. We can't actually access super to 60 at this point, so we've got a lot of working life ahead of us. And I'm almost the same age as you, so don't worry.\n\nI'm in the same boat.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. No. That's perfectly fine. Well, I'll I'll look at the growth portfolio, look at the investments between the two, do the research rather to sort of see what we have got and what it looks like for you. And I can update the advice to reflect.\n\nJust so you are aware, Steven. All the advice that we do provide, because you're an ongoing service client, you pay us an ongoing service fee. So that fee is 1.65% per annum. It is\n\nChannel 1: Yes.\n\nChannel 0: calculated and deducted out of your super on a smaller monthly basis. And the idea of that as a percentage based fee is it fluctuates with the market. So when the market's doing really well, when you're getting really good returns, it does mean that we earn a bit more. However, if the market was to take a bit of a dip due to the market fluctuations or what we are seeing, it means that our our fee does go down with it. So having a percentage based fee does mean it is linked to the performance of your super there as well, which is a matter of it.\n\nBut part of that is making sure that we're updating the advice for you. So there's no\n\nChannel 1: Yep. Absolutely. Yeah. You guys gotta get paid too. That's\n\nChannel 0: Yeah. Yeah. But we shouldn't be earning the same amount regardless of what's happening to your super. I know\n\nChannel 1: yeah.\n\nChannel 0: there are advisers that do, like I said, dollar figure fee, and that means that they're making the same amount every year or every month regardless of what your super is doing. So Savvy and Bart, when they set up, oh, you were all about the client and making sure that we're earning money, but we don't wanna be earning the same amount every month regardless of what your portfolio is doing. It's kind of making sure that things are working, and we know that markets go up and down. We expect those most market fluctuations. And so when the market is taking a dip, we our fee should take a bit of a dip with it as well.\n\nSo that's why the the fee structure was set up that way. Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Perfect. We did kinda touched on just before as well with the insurances. Now they have been sort of set up and left in care so far, and you've got the life and TPD component there. You don't have any income protection or trauma cover.\n\nI know given, you know, you before you were prediabetic when you came on board originally and just with your height and weight and your circumstances health wise, it was gonna be very expensive and difficult to get no cover. If in the event that you were not able to go to work, do you have much sick leave, annual leave, or long service leave, or savings to sort of fall back on? How would you sort of cover your expenditure?\n\nChannel 1: Oh, good. I mean, we're on a pretty good weekend. My wife and I say, I mean, I'll be right for a while.\n\nChannel 0: Yep.\n\nChannel 1: I've\n\nChannel 0: Yep.\n\nChannel 1: got assets\n\nChannel 0: Okay.\n\nChannel 1: I can sell. I've also got a a property that my family home that I've\n\nChannel 0: Okay.\n\nChannel 1: I've got part shares in. So\n\nChannel 0: Okay.\n\nChannel 1: if that was\n\nChannel 0: Perfect.\n\nChannel 1: able to sell as well, I've got a nice lump\n\nChannel 0: Oh, lovely. So it's a family home. Is that owned with your siblings? Or\n\nChannel 1: somewhere. Siblings and dad.\n\nChannel 0: okay. Perfect. And what portion of it is yours?\n\nChannel 1: So I've got a six, but, yeah, dad's 84 now. So, you know, he might live another five, six years, ten years, who knows, but, you\n\nChannel 0: Mhmm.\n\nChannel 1: know,\n\nChannel 0: Yeah.\n\nChannel 1: that will get given up also.\n\nChannel 0: So when he passes away, that'll probably get sold off and then divvied up between all of you?\n\nChannel 1: Yeah. Yeah. There's just three of\n\nChannel 0: Yep.\n\nChannel 1: us.\n\nChannel 0: Yep.\n\nChannel 1: The third.\n\nChannel 0: And sold later down the track. Lovely. Oh, and do you get to see your dad very often?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: 80\n\nChannel 1: Yeah.\n\nChannel 0: three is good.\n\nChannel 1: I\n\nChannel 0: Yeah.\n\nChannel 1: I I literally moved the street away from him. So\n\nChannel 0: Oh, that's\n\nChannel 1: it\n\nChannel 0: lovely.\n\nChannel 1: was always here. Yeah.\n\nChannel 0: Beautiful. And it's in so it's owned in that. Is your dad owns a share of it as well?\n\nChannel 1: Yeah. So he he's he's got half and then us three have got a third of the other half.\n\nChannel 0: Yes. Yes. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: And then each earn a third of that. Perfect. I'll just make some notes here. And then when sold, you get a third each. I'm glad you get to spend some time with your dad.\n\nReally important. I'm taking my kids\n\nChannel 1: Yeah.\n\nChannel 0: to ever see their great grandparents or great grandmother in a few weeks for Easter, and she's 86. So it's pretty\n\nChannel 1: Alright.\n\nChannel 0: cool.\n\nChannel 1: Yeah. That's\n\nChannel 0: Yeah.\n\nChannel 1: fine. Yeah.\n\nChannel 0: It's important to have those memories.\n\nChannel 1: Definitely.\n\nChannel 0: Yeah. Beautiful. Speaking about kids, I've got down here sorry, that you do have a child or a financial dependent at home. Do you have any kids at home?\n\nChannel 1: Yeah. Just for one daughter.\n\nChannel 0: Just the one daughter? Lovely. How old is she?\n\nChannel 1: She's four.\n\nChannel 0: Oh, beautiful age.\n\nChannel 1: Yeah. She's a little\n\nChannel 0: School\n\nChannel 1: she's\n\nChannel 0: next year?\n\nChannel 1: Yeah. Yeah. She's already in\n\nChannel 0: Yep.\n\nChannel 1: credit score, so I'm going to kindergarten.\n\nChannel 0: Yep.\n\nChannel 1: What?\n\nChannel 0: Oh, that is a beautiful age. That's fantastic. And I've got down here that you are married as well. No changes there at all? No.\n\nBeautiful. And so I don't have your wife down here as your next of kin. Is it Bonnie? Yep. Lovely.\n\nDo you happen to know her contact phone number off by heart at\n\nChannel 1: Yes.\n\nChannel 0: all?\n\nChannel 1: Yeah. It's 0406\n\nChannel 0: Yep.\n\nChannel 1: 547\n\nChannel 0: Yep.\n\nChannel 1: 4\n\nChannel 0: Four nine eight. Beautiful. Thank you for updating that. I do appreciate it. And also having a look here,\n\nChannel 1: 98.\n\nChannel 0: it looks we don't have any beneficiaries on file for you. So if in the event that you were to pass away, is there any particular direction on what you're wanting to happen to your super and the life insurance that you do hold within CareSoup?\n\nChannel 1: Yeah. Just give them to Bonnie.\n\nChannel 0: You wanna alter Bonnie? Not a problem at all. It is really important that we have the beneficiaries completed. We're happy to prefill them and help you out prior to sending them to be signed. Are you comfortable with us filling it out with Bonnie's details?\n\nChannel 1: Yeah. Of course.\n\nChannel 0: Yeah. Lovely. And her name is spelled b o, n n, I e. Is that right?\n\nChannel 1: Correct.\n\nChannel 0: Beautiful. And surname I have for Bonnie is Carter?\n\nChannel 1: Yes.\n\nChannel 0: Lovely. Same address. That's all fine. Can I grab her date of birth as well if possible?\n\nChannel 1: The twenty second January\n\nChannel 0: Yep.\n\nChannel 1: '87.\n\nChannel 0: 1987. Beautiful. And I'll put down here she's spouse. Lovely. So we can certainly provide that assistance.\n\nIf you like, we can prefill those forms, then we can send the beneficiaries to you just to get you to sign and have them witnessed. If you send them back to us, we can make sure they're applied so that, like, if in the event something was to happen, it just makes the claim process much easier for Bonnie there as well. Okay?\n\nChannel 1: Yeah. Awesome.\n\nChannel 0: Beautiful. I also have mentioned that he was too. It's really important if you can just let her know that we are your financial advisers, and just maybe have our contact phone number somewhere. We can send you, like, an updated fridge magnet or something just for that contact information.\n\nChannel 1: Yeah.\n\nChannel 0: So we hope nothing happens. But if in the event something was to happen, she could just call us, and we can certainly help with the with the process of going through the the claims details there to make life easier on her in that situation as well.\n\nChannel 1: Yeah.\n\nChannel 0: Okay?\n\nChannel 1: Awesome. Uh-huh.\n\nChannel 0: Yes. Beautiful. I think I've got most of everything here. You're not making any salary sacrifice or additional contributions. It looks like the super is just what your employer is putting in at the moment.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Beautiful. And, you know, sort of wanting to at the moment, you're maybe down the track. Is that right? Or\n\nChannel 1: Yeah. Yeah. When when money's a bit more flowing, I\n\nChannel 0: Easier.\n\nChannel 1: guess.\n\nChannel 0: Yeah. Absolutely. Not a problem at all. And do you have any other goals that you're sort of looking to achieve down the track\n\nChannel 1: No.\n\nChannel 0: there at all?\n\nChannel 1: I'm just really healthy and and happy. Yeah.\n\nChannel 0: Yep. Yep. Yep. Perfect. And you're happy with the life and TPD amounts that you have?\n\nYou're not sort of wanting to go out there and try and get more expensive cover at all? You're sort of happy with the level of cover you have?\n\nChannel 1: Yeah. Yeah. We're\n\nChannel 0: Yep.\n\nChannel 1: we're pretty simple.\n\nChannel 0: Yeah.\n\nChannel 1: Pretty\n\nChannel 0: No.\n\nChannel 1: simple.\n\nChannel 0: That's okay.\n\nChannel 1: Happy go lucky.\n\nChannel 0: That's all good. The other sort of insurance I do have to talk to you about, I'm not sure if anyone's explained what trauma cover is. Has anyone given you a diet or talked to you about trauma before?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. It covers you for things like a heart attack, a stroke, certain neurological conditions. It\n\nChannel 1: Yep.\n\nChannel 0: is an out of pocket expense, and I you said money is a little bit tight with with everything going on there. Did you wanna look at trying to get anything out of pocket, or are you happy just to keep it as it is for the moment and we maybe assess it down the track?\n\nChannel 1: Yeah. I think just leave it\n\nChannel 0: Yep.\n\nChannel 1: for now.\n\nChannel 0: Yep. That's okay. Another really good idea is when's and another sort of thing I look at because we have insurances sort of protect us in the event that something happens, but there's always that that risk that we pay for those insurances on a regular basis, but that we never actually claim. And then we pay those premiums for nothing. So another sort of way to look at it is we can always build and try to build investments out of side of super down the track when you do have a bit of spare cash flow and maybe you wanna incorporate your wife into the conversation.\n\nWe can always look at what you have available to you, maybe setting up investments in your own name outside of super and kind of building that as well. You're building wealth that you can access prior to you wanting to retire. But it also means that you can be sort of closing that gap with regards to insurances down the track there as well. So feel free to kinda keep that in mind, and if it's something you would like to talk to me about, I'm more than happy to make that time, and we can, you know, look at what other things we can do.\n\nChannel 1: Yeah. No. That sounds good. We'll do that.\n\nChannel 0: Yeah. Perfect. Perfect. I just wanted to double check also just with the any changes to your house. Do you know what your height and weight roughly is at the moment?\n\nChannel 1: The height's probably the same unless I've shrunk. So one seventy\n\nChannel 0: Yep.\n\nChannel 1: eight, not where about.\n\nChannel 0: Yep. Yep.\n\nChannel 1: And last time I weighed was ninety six.\n\nChannel 0: Ninety six. Beautiful.\n\nChannel 1: So I've lost a ton of weight.\n\nChannel 0: Yeah. You have. Definitely. Because I mentioned before that you when you came on board, you know, you're pre diabetic. But, realistically, have you been able to reverse that with the changes you've got there?\n\nChannel 1: Well, I'm due for blood tests\n\nChannel 0: Mhmm.\n\nChannel 1: probably May.\n\nChannel 0: Okay.\n\nChannel 1: And yes. I mean, last blood test was straight after Christmas, so you can imagine\n\nChannel 0: Yeah.\n\nChannel 1: that everything was a\n\nChannel 0: That's\n\nChannel 1: bit out\n\nChannel 0: the worst\n\nChannel 1: of whack.\n\nChannel 0: time to see a doctor. Yeah.\n\nChannel 1: Yeah. Yeah. But you said, look, everything seems to be tracking pretty well. Everything's\n\nChannel 0: Perfect.\n\nChannel 1: on a steady decline. My my blood pressure's good\n\nChannel 0: I love\n\nChannel 1: now.\n\nChannel 0: that. Yeah. Yep.\n\nChannel 1: Yes. Her blood pressure,\n\nChannel 0: Yeah.\n\nChannel 1: cholesterol is down. No. Everything's gone down. It's just at the time, you know, I've had a lot of Christmas pudding, I guess.\n\nChannel 0: That's okay. That's alright. You gotta enjoy those as well. It's, you know, Christmas is an important important time to engorge yourself on food. I did the exact same thing.\n\nI probably drank too much too in all honesty. So it was probably good we closed for two weeks because I needed that to recover. But, no, I've just sort of had a look. So with your height and weight, your BMI is around about thirty point zero three. So when insurances or when insurers look at whether they're willing to offer cover to a client, Obviously, your health goes into play there as well, but the other\n\nChannel 1: Yeah.\n\nChannel 0: factor is your BMI. It's your body mass index, and it's a combination of your height and weight. The higher your BMI, the more pressure there is on your heart, so the more risky become for an insurance company. But with your BMI at the moment, whilst there could be a bit of a loading applied, if you did down the track wanna look at maybe getting new insurance cover, I would absolutely be able to look at that for you to see what might be on offer. It could be a little bit more expensive than what you have at the moment, but insurance cover could be offered.\n\nAbsolutely, I dare say there'd be a contract offered, and there might just be an exclusion or a loading depending on what else might be in your health history to look at there. Okay?\n\nChannel 1: Yeah. Sure.\n\nChannel 0: Yeah. If they do come out and say, hey. You do have diabetes, type two diabetes, it's harder to get insurance for. Generally, they\n\nChannel 1: Yep.\n\nChannel 0: want to, if you're a diabetic, to have been diagnosed a few years ago just because the longer you've had it for, but the more controlled it is, the better the contract can be offered. Anyone with prediabetes, I've I've still seen contracts offered. It's more just wanting to find out more about your health, get updated blood results, and blood pressure, and things like that. And then sometimes there's a bit of a loading on there. It can be about 50 to a 100% depending on other factors,\n\nChannel 1: Yep.\n\nChannel 0: but it does often mean that that an insurance contract can still be covered with the cover you have with CareSoup at the moment, because it is more or less it's not like a retail fund where they've done the application at the beginning. It's more of a group cover. So you sort of pulled in and and added to a larger pool of risk. You sort of lumped in there with lots of other people. Some people don't have loading.\n\nSome might be scheduled for loading, but they spread that risk level across all of the members there. And they tend to underwrite the policy at the time of claim. But because you've had that policy enforced for longer, any changes don't seem to make much of a difference, and it can be easier to claim on those sorts of policies as not normally loading to exclusions that needs to be applied to them. So retaining that cover for now is is plenty fine. But if down the track, if you wanna talk to me more about insurance and kinda get an idea for what you might be able to get, I'm more than happy to do so for you.\n\nChannel 1: Yeah.\n\nChannel 0: Okay?\n\nChannel 1: Awesome.\n\nChannel 0: Yeah.\n\nChannel 1: Thank you very much.\n\nChannel 0: That's okay. I just wanted to make sure I'm giving you a bit of information, kinda giving you some updated on what we sort of see and where we can kinda go. But, you know, you're doing really, really well and keep it up. Because at the end of the day, it's not about the insurances. It's more important for you to be around for your kids.\n\nSo\n\nChannel 1: Yeah.\n\nChannel 0: yeah.\n\nChannel 1: That's it.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: And are you finding you're feeling a lot better?\n\nChannel 1: Oh, yeah. Yeah.\n\nChannel 0: Yeah? Beautiful.\n\nChannel 1: Right. We're regular do regular exercise together as a family, so that's\n\nChannel 0: I\n\nChannel 1: cool.\n\nChannel 0: love that. That's\n\nChannel 1: Yeah.\n\nChannel 0: beautiful. Oh, that's really fantastic. Good to hear. And you go due to go back to the doctors again soon. Hopefully, they've got some more really great results there for you.\n\nChannel 1: Yeah. That'd be good.\n\nChannel 0: Yeah. Perfect. The other thing here is looking at the estate planning side of things as well. Have you done up a will, had a power of attorney? Have you and your wife sort of spoken about doing those in the past?\n\nChannel 1: It's on the list.\n\nChannel 0: Yeah. That's okay. As part of updating the advice, I will recommend speaking to a solicitor and having a will and power of attorney done up. It is really important that those things do get done whilst your beneficiary nominations look after your super and your life insurances. Everything outside of super that you've worked is just hard for us, your tools, your cars, your contents, your savings accounts, and your house as well in the event something was to happen to you and or and your wife that you have it directed correctly.\n\nBut the other thing to consider is a guardianship as well because you do have your young precious daughter there. And if anything happens to both of you, you wanna make sure that you've decided where what happens to her, who looks after her, and making sure everything is in place to make sure she's looked after moving forward as well. So there is a few few really important aspects that to consider, and I'll put that into the advice document to help reflect for you if you like.\n\nChannel 1: Yes,\n\nChannel 0: Okay.\n\nChannel 1: please.\n\nChannel 0: Yeah. Beautiful. Other than that sorry. I'm just looking. There's sort of nothing else to check on.\n\nEverything's kind of all okay. You've got a lovely 8% return. Things are working really well with your super, but I'll go back and reevaluate things. I can work on an age 65 to retirement. That way, you get the option to work longer if you wanted to.\n\nI'm by no means gonna tell you you have to retire at that point, but it gives you the option to if you decide you don't wanna work any longer.\n\nChannel 1: Yeah. No. I want to, I guess. We\n\nChannel 0: Okay?\n\nChannel 1: have to.\n\nChannel 0: I mean,\n\nChannel 1: Mhmm.\n\nChannel 0: if we won lotto, we'd all be out tomorrow.\n\nChannel 1: Oh, a 100%. Yes.\n\nChannel 0: I can also look at retaining just the life and TPD you have at the moment. We'll scope out the income protection and the trauma, but we can always look at that down the track if you're comfortable to do so.\n\nChannel 1: Yeah.\n\nChannel 0: Just wanted to update as well, if it's okay. Your wife, does she you said that she works and she's earning good money as well. What is she averaging? Do you know what her income normally look\n\nChannel 1: Oh, $1.07.\n\nChannel 0: like? Okay. $1.70?\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. So she's on a very good income. That's excellent. So about 170,000 per year. Lovely.\n\nLovely. What does she do for work?\n\nChannel 1: Just public service.\n\nChannel 0: Yep. Perfect. Excellent. Lovely. No.\n\nWell, that's really good. So, I mean, if anything happens given your income is obviously less than hers, if you weren't working, she'd still be okay for covering the bills and helping out\n\nChannel 1: Yeah.\n\nChannel 0: a bit. That would sort of yeah. Perfect. Perfect. Lovely.\n\nWell, have I sort of touched on everything that you were sort of after? Is there anything else that you wanted me to to ask me or for me to touch on while you've got me here at all?\n\nChannel 1: No. No. Everything is\n\nChannel 0: No?\n\nChannel 1: tipped. I think all the boxes are tipped\n\nChannel 0: Oh, fantastic.\n\nChannel 1: or or has it done. So\n\nChannel 0: Lovely. Well, I'll go back and do some research there for you, Steven. If there is anything additional that we do need, I'll make sure we contact you. Oh, actually, I do apologize. I almost forgot.\n\nMy beautiful admin team let me know that your ID has expired on file. If we send you a text message shortly, are you able just to reply back to that with the back and front of your photo ID just so we keep our records to date?\n\nChannel 1: Yeah. Definitely.\n\nChannel 0: Perfect. I'll get that text message done shortly for you.\n\nChannel 1: Awesome.\n\nChannel 0: Beautiful. And how are you performing our services at the moment?\n\nChannel 1: Yeah. Great. Great.\n\nChannel 0: Yep.\n\nChannel 1: Excellent communication.\n\nChannel 0: And\n\nChannel 1: You know, like, you you're doing\n\nChannel 0: oh, fantastic.\n\nChannel 1: the the right job. So I'm\n\nChannel 0: Thank\n\nChannel 1: glad I I switched over.\n\nChannel 0: you. Oh, fantastic. Well, one of the other thing that we'll probably ask and one of the things that's really important to us is, as a business, we are growing and word-of-mouth is really important. So, if it's okay, my admin team will also just pop down and send you a link to the Google review if you're able to and would like to. If you can pop just a review on our website there.\n\nIt doesn't matter what it is. It can be one word. It can just be a five star review or, you know, however\n\nChannel 1: Yeah.\n\nChannel 0: stars you're comfortable with. It's just really important to keep that keep that sort of growing if that would be okay with you. Would that be alright if we sent that to you as well?\n\nChannel 1: Of course.\n\nChannel 0: Yep. Beautiful. Thank you so much, Steven. Now I'll get cracking on this research. I'll get those texts sent out to you shortly.\n\nIt'll come from my beautiful admin team member, Michelle. She'll also send out your annual review pack in the next twenty four hours for you as well. But if you need anything, you're welcome to let me know. My name is Dana. I'll be doing your research and all the advice moving forward to help you as we\n\nChannel 1: Your\n\nChannel 0: work\n\nChannel 1: chance?\n\nChannel 0: towards your goals there. In the annual review pack in case we haven't spoken before, we'll also be our finance services guide. And in that, it's got all the information on me, who I am. It's got a lovely photo of me as well, a bit glossy and and all done up. So you're welcome to run your eyes over that.\n\nAnd my registration number with ASIC is in there as well, which is one three zero four three nine four. So you can get a bit more information on who I am as an adviser. And if you find you have any questions at any time, you're welcome to let me know. Okay?\n\nChannel 1: Unreal. That's awesome.\n\nChannel 0: Beautiful.\n\nChannel 1: If\n\nChannel 0: Thank\n\nChannel 1: you could\n\nChannel 0: you\n\nChannel 1: check\n\nChannel 0: so\n\nChannel 1: one of\n\nChannel 0: much.\n\nChannel 1: your fridge maintenance in as\n\nChannel 0: Yeah.\n\nChannel 1: well, that'd be good.\n\nChannel 0: Absolutely. Most definitely. I'll get that\n\nChannel 1: Yeah.\n\nChannel 0: sorted. Thank you so much for your time today. I'll let you go to enjoy your dinner, but thank you for\n\nChannel 1: Thank\n\nChannel 0: your\n\nChannel 1: you.\n\nChannel 0: time. I really appreciate it.\n\nChannel 1: Thank you. Thanks for everything as well.\n\nChannel 0: No worries. Thanks, David. Talk to you soon.\n\nChannel 1: Take care. Bye bye.\n\nChannel 0: Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.5999999,"end":2.1,"sentiment":"neutral","sentiment_score":0.02285866811871529}],"sentiment":"neutral","sentiment_score":0.02285866811871529,"channel":1,"num_words":1,"start":1.5999999,"end":2.1},{"sentences":[{"text":"Hi, Steven.","start":3.1999998,"end":4.0,"sentiment":"neutral","sentiment_score":0.08449491485953331},{"text":"This is Dana from OQ Financial.","start":4.0,"end":5.7,"sentiment":"neutral","sentiment_score":0.13047203669945398},{"text":"How are you this afternoon?","start":5.7599998,"end":6.98,"sentiment":"neutral","sentiment_score":0.18453627228736877}],"sentiment":"neutral","sentiment_score":0.1441925701040488,"channel":0,"num_words":13,"start":3.1999998,"end":6.98},{"sentences":[{"text":"Good.","start":7.44,"end":7.8399997,"sentiment":"positive","sentiment_score":0.3727179765701294},{"text":"How are you?","start":7.8399997,"end":8.66,"sentiment":"neutral","sentiment_score":0.2684163302183151}],"sentiment":"neutral","sentiment_score":0.2944917418062687,"channel":1,"num_words":4,"start":7.44,"end":8.66},{"sentences":[{"text":"I'm very well.","start":8.88,"end":9.84,"sentiment":"positive","sentiment_score":0.5466062227884928},{"text":"Thank you.","start":9.84,"end":10.16,"sentiment":"positive","sentiment_score":0.6341179311275482},{"text":"Thank you for asking.","start":10.16,"end":11.2,"sentiment":"positive","sentiment_score":0.5682611763477325},{"text":"I had you booked in to go through a bit of an annual review with you.","start":11.2,"end":13.84,"sentiment":"neutral","sentiment_score":0.19071204029023647},{"text":"Is now a good time?","start":13.84,"end":15.139999,"sentiment":"neutral","sentiment_score":0.15411476492881776}],"sentiment":"neutral","sentiment_score":0.3001021901766459,"channel":0,"num_words":30,"start":8.88,"end":15.139999},{"sentences":[{"text":"Yeah.","start":15.335,"end":15.495,"sentiment":"neutral","sentiment_score":0.11301656067371368},{"text":"Go for it.","start":15.495,"end":16.475,"sentiment":"neutral","sentiment_score":0.19379234810670218}],"sentiment":"neutral","sentiment_score":0.17359840124845505,"channel":1,"num_words":4,"start":15.335,"end":16.475},{"sentences":[{"text":"Yeah.","start":16.475,"end":16.875,"sentiment":"neutral","sentiment_score":0.263572096824646},{"text":"Fantastic.","start":16.875,"end":17.375,"sentiment":"positive","sentiment_score":0.5833858847618103},{"text":"How has your day been?","start":17.755001,"end":19.135,"sentiment":"neutral","sentiment_score":0.3201179623603821}],"sentiment":"positive","sentiment_score":0.34964968476976666,"channel":0,"num_words":7,"start":16.475,"end":19.135},{"sentences":[{"text":"Oh, it was a day.","start":19.494999,"end":20.635,"sentiment":"neutral","sentiment_score":0.14251888394355774}],"sentiment":"neutral","sentiment_score":0.14251888394355774,"channel":1,"num_words":5,"start":19.494999,"end":20.635},{"sentences":[{"text":"Yeah.","start":21.035,"end":21.535,"sentiment":"neutral","sentiment_score":0.11438633501529694},{"text":"Monday,","start":21.835,"end":22.335,"sentiment":"neutral","sentiment_score":0.10110799968242644}],"sentiment":"neutral","sentiment_score":0.1077471673488617,"channel":0,"num_words":2,"start":21.035,"end":22.335},{"sentences":[{"text":"Yeah.","start":22.295,"end":22.795,"sentiment":"neutral","sentiment_score":0.15633930265903473}],"sentiment":"neutral","sentiment_score":0.15633930265903473,"channel":1,"num_words":1,"start":22.295,"end":22.795},{"sentences":[{"text":"up and done with.","start":22.395,"end":23.455,"sentiment":"neutral","sentiment_score":0.2027491256594658}],"sentiment":"neutral","sentiment_score":0.2027491256594658,"channel":0,"num_words":4,"start":22.395,"end":23.455},{"sentences":[{"text":"Yeah.","start":23.494999,"end":23.895,"sentiment":"neutral","sentiment_score":0.2246191203594208},{"text":"Thank goodness.","start":23.895,"end":24.635,"sentiment":"positive","sentiment_score":0.43989722430706024}],"sentiment":"positive","sentiment_score":0.36813785632451373,"channel":1,"num_words":3,"start":23.494999,"end":24.635},{"sentences":[{"text":"All good, Steven.","start":25.835,"end":26.715,"sentiment":"positive","sentiment_score":0.41404564181963605},{"text":"Before we jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":26.715,"end":31.099998,"sentiment":"neutral","sentiment_score":0.09989464708736964},{"text":"Are you happy for me to proceed with that?","start":31.099998,"end":33.2,"sentiment":"neutral","sentiment_score":0.12512319286664328}],"sentiment":"neutral","sentiment_score":0.13533434091192303,"channel":0,"num_words":33,"start":25.835,"end":33.2},{"sentences":[{"text":"Yep.","start":33.02,"end":33.42,"sentiment":"neutral","sentiment_score":0.11717012524604796},{"text":"That's fine.","start":33.42,"end":34.239998,"sentiment":"neutral","sentiment_score":0.2673278823494911}],"sentiment":"neutral","sentiment_score":0.2172752966483434,"channel":1,"num_words":3,"start":33.02,"end":34.239998},{"sentences":[{"text":"Beautiful.","start":34.54,"end":35.04,"sentiment":"positive","sentiment_score":0.5067987442016602},{"text":"And just to do security there with you as well, we are discussing your personal information.","start":35.18,"end":38.62,"sentiment":"neutral","sentiment_score":0.15901400428265333},{"text":"So I'll just get you to confirm your full name, date of birth, and address I should have on file for you.","start":38.62,"end":43.04,"sentiment":"neutral","sentiment_score":0.125355237248269}],"sentiment":"neutral","sentiment_score":0.14894456492784697,"channel":0,"num_words":39,"start":34.54,"end":43.04},{"sentences":[{"text":"Yeah.","start":42.765,"end":43.085,"sentiment":"neutral","sentiment_score":0.028447169810533524},{"text":"Steven Andrew Carter.","start":43.085,"end":44.305,"sentiment":"neutral","sentiment_score":0.019831793382763863}],"sentiment":"neutral","sentiment_score":0.021985637489706278,"channel":1,"num_words":4,"start":42.765,"end":44.305},{"sentences":[{"text":"Yep.","start":44.664997,"end":45.164997,"sentiment":"neutral","sentiment_score":0.022093281149864197}],"sentiment":"neutral","sentiment_score":0.022093281149864197,"channel":0,"num_words":1,"start":44.664997,"end":45.164997},{"sentences":[{"text":"8 Waring Street in Higgins, A C T.","start":45.885002,"end":48.785,"sentiment":"neutral","sentiment_score":0.024623716017231345},{"text":"What's the last one?","start":51.325,"end":52.205,"sentiment":"neutral","sentiment_score":0.019152890658006072},{"text":"Phone number.","start":52.205,"end":53.025,"sentiment":"neutral","sentiment_score":0.010081434156745672}],"sentiment":"neutral","sentiment_score":0.020983154220240458,"channel":1,"num_words":14,"start":45.885002,"end":53.025},{"sentences":[{"text":"Date of date of birth.","start":52.905,"end":54.024998,"sentiment":"neutral","sentiment_score":0.009440143965184689},{"text":"Sorry.","start":54.024998,"end":54.524998,"sentiment":"neutral","sentiment_score":0.010449928231537342}],"sentiment":"neutral","sentiment_score":0.009608441342910131,"channel":0,"num_words":6,"start":52.905,"end":54.524998},{"sentences":[{"text":"Oh, nice.","start":54.42,"end":55.059998,"sentiment":"neutral","sentiment_score":0.06122397072613239},{"text":"September 1980.","start":55.059998,"end":56.28,"sentiment":"neutral","sentiment_score":0.043537812307477}],"sentiment":"neutral","sentiment_score":0.052380891516804695,"channel":1,"num_words":4,"start":54.42,"end":56.28},{"sentences":[{"text":"Beautiful.","start":56.81,"end":57.31,"sentiment":"positive","sentiment_score":0.3872449994087219},{"text":"Lovely.","start":57.530003,"end":58.030003,"sentiment":"positive","sentiment_score":0.35022491216659546},{"text":"Steven, to sort of run through things, I know we do normally send through your annual review documents.","start":59.13,"end":63.21,"sentiment":"neutral","sentiment_score":0.06398913295318683},{"text":"I've had a little bit of Internet trouble today.","start":63.21,"end":65.130005,"sentiment":"neutral","sentiment_score":-0.0644744551844067},{"text":"So I'll go through everything with you and provide an update, and then I'll get my admin team to email those AR documents through to you within the next sort of twenty four 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me know, but I'll try not to take up too much of your time.","start":83.590004,"end":87.83,"sentiment":"neutral","sentiment_score":0.0758453705906868},{"text":"Okay?","start":87.83,"end":88.33,"sentiment":"neutral","sentiment_score":0.057866595685482025}],"sentiment":"neutral","sentiment_score":0.10327157378196716,"channel":0,"num_words":29,"start":82.71,"end":88.33},{"sentences":[{"text":"Oh, no.","start":88.48,"end":88.880005,"sentiment":"neutral","sentiment_score":0.02282586134970188},{"text":"That's fine.","start":88.880005,"end":89.62,"sentiment":"neutral","sentiment_score":0.1213744580745697}],"sentiment":"neutral","sentiment_score":0.07210015971213579,"channel":1,"num_words":4,"start":88.48,"end":89.62},{"sentences":[{"text":"Fantastic.","start":89.990005,"end":90.490005,"sentiment":"positive","sentiment_score":0.4385550618171692},{"text":"All good.","start":90.87,"end":91.35,"sentiment":"positive","sentiment_score":0.3576626628637314},{"text":"So just wanted to sort of run through and give you a bit of an update on where things are at the moment as well.","start":91.35,"end":97.055,"sentiment":"neutral","sentiment_score":0.1599993497133255},{"text":"But before","start":97.055,"end":97.615005,"sentiment":"neutral","sentiment_score":0.03456491604447365}],"sentiment":"neutral","sentiment_score":0.17409979874889056,"channel":0,"num_words":30,"start":89.990005,"end":97.615005},{"sentences":[{"text":"Yep.","start":97.435,"end":97.935,"sentiment":"neutral","sentiment_score":0.05403907597064972}],"sentiment":"neutral","sentiment_score":0.05403907597064972,"channel":1,"num_words":1,"start":97.435,"end":97.935},{"sentences":[{"text":"we jump into the annual review properly, is there anything that you wanted me to sort of touch base on?","start":97.615005,"end":101.935005,"sentiment":"neutral","sentiment_score":0.06564347576349974},{"text":"Any sort of questions you had that you would like to maybe have me touch 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you.","start":562.485,"end":568.45,"sentiment":"neutral","sentiment_score":0.29097801327705386},{"text":"We","start":568.51,"end":568.67004,"sentiment":"neutral","sentiment_score":0.02588206902146339}],"sentiment":"neutral","sentiment_score":0.29353935178369284,"channel":0,"num_words":28,"start":560.005,"end":568.67004},{"sentences":[{"text":"Yep.","start":568.66504,"end":569.16504,"sentiment":"neutral","sentiment_score":0.023728638887405396}],"sentiment":"neutral","sentiment_score":0.023728638887405396,"channel":1,"num_words":1,"start":568.66504,"end":569.16504},{"sentences":[{"text":"have seen some ups and downs.","start":568.67004,"end":570.51,"sentiment":"neutral","sentiment_score":-0.03633935501178106},{"text":"I know just before we kinda did touch on the fact that you're sorry.","start":570.51,"end":574.53,"sentiment":"neutral","sentiment_score":-0.03983859611409051},{"text":"We do have your care super 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then I'll I'll probably stick with it for a few extra years.","start":811.18,"end":816.39996,"sentiment":"neutral","sentiment_score":0.20630634762346745}],"sentiment":"neutral","sentiment_score":0.20630634762346745,"channel":1,"num_words":24,"start":811.18,"end":816.39996},{"sentences":[{"text":"Yeah.","start":816.63,"end":816.95,"sentiment":"neutral","sentiment_score":0.27200931310653687},{"text":"That's okay.","start":816.95,"end":817.75,"sentiment":"positive","sentiment_score":0.36501041054725647},{"text":"Not a problem at all.","start":817.75,"end":818.95,"sentiment":"positive","sentiment_score":0.4138493061065674},{"text":"So when we did go to update the advice, you know, the last advice piece you were given, we would have sort of shown you right up into the age of retirement what the projected outcome might look like, which always looks beautiful that long away.","start":818.95,"end":829.45,"sentiment":"neutral","sentiment_score":0.1801748152660287},{"text":"But what I'll do is I'll only update the advice to reflect the next ten years for you.","start":829.995,"end":834.255,"sentiment":"neutral","sentiment_score":0.1369820274412632}],"sentiment":"neutral","sentiment_score":0.19201381473491588,"channel":0,"num_words":72,"start":816.63,"end":834.255},{"sentences":[{"text":"Yep.","start":834.595,"end":835.095,"sentiment":"neutral","sentiment_score":0.19606012105941772}],"sentiment":"neutral","sentiment_score":0.19606012105941772,"channel":1,"num_words":1,"start":834.595,"end":835.095},{"sentences":[{"text":"It kinda gives us an idea of where we're tracking the next ten years, and we're working in ten year lots.","start":834.715,"end":839.515,"sentiment":"neutral","sentiment_score":0.19087711615221842},{"text":"So we know that in the next ten years, a lot contains in your life.","start":839.515,"end":843.195,"sentiment":"neutral","sentiment_score":0.09311732600132624},{"text":"I don't wanna project twenty or thirty years out because a lot there's too many things that could change in that in in that time frame.","start":843.195,"end":849.44995,"sentiment":"neutral","sentiment_score":-0.1813286505639553}],"sentiment":"neutral","sentiment_score":0.011139264750865198,"channel":0,"num_words":62,"start":834.715,"end":849.44995},{"sentences":[{"text":"Yeah.","start":849.55,"end":850.05,"sentiment":"neutral","sentiment_score":0.15804046392440796}],"sentiment":"neutral","sentiment_score":0.15804046392440796,"channel":1,"num_words":1,"start":849.55,"end":850.05},{"sentences":[{"text":"So I wanna make sure as we're kinda working towards your goal that we're doing it in lots of, you know, ten or fifteen years, and then we sort of update that every couple of couple of years to make sure we're staying on track and updating things more regularly for you.","start":849.91,"end":863.635,"sentiment":"neutral","sentiment_score":0.24432991387752387},{"text":"Does that make sense?","start":863.635,"end":864.35504,"sentiment":"neutral","sentiment_score":0.17541955783963203},{"text":"Does that sound okay with you, Steven?","start":864.35504,"end":866.05505,"sentiment":"neutral","sentiment_score":0.1960718653031758}],"sentiment":"neutral","sentiment_score":0.23459264777955555,"channel":0,"num_words":63,"start":849.91,"end":866.05505},{"sentences":[{"text":"Yeah.","start":866.44995,"end":866.76996,"sentiment":"neutral","sentiment_score":0.18302848935127256},{"text":"Sure thing.","start":866.76996,"end":867.58997,"sentiment":"neutral","sentiment_score":0.2754138559103012}],"sentiment":"neutral","sentiment_score":0.24461873372395834,"channel":1,"num_words":3,"start":866.44995,"end":867.58997},{"sentences":[{"text":"Yep.","start":867.635,"end":868.11505,"sentiment":"neutral","sentiment_score":0.3190041482448578},{"text":"Perfect.","start":868.11505,"end":868.61505,"sentiment":"positive","sentiment_score":0.6164835691452026},{"text":"You're welcome to stop me and ask any questions you have.","start":868.99506,"end":872.11505,"sentiment":"positive","sentiment_score":0.4153144820169969},{"text":"I know I'm probably the happiest person to ever talk about super.","start":872.11505,"end":875.015,"sentiment":"neutral","sentiment_score":0.224470724662145},{"text":"But if you have questions or want me to break anything down more for you, please do let me know.","start":875.93,"end":881.45,"sentiment":"neutral","sentiment_score":0.15454015731811524}],"sentiment":"neutral","sentiment_score":0.2508533080418905,"channel":0,"num_words":45,"start":867.635,"end":881.45},{"sentences":[{"text":"Okay?","start":881.45,"end":881.95,"sentiment":"neutral","sentiment_score":0.11860993504524232}],"sentiment":"neutral","sentiment_score":0.11860993504524232,"channel":0,"num_words":1,"start":881.45,"end":881.95},{"sentences":[{"text":"Yeah.","start":882.09503,"end":882.41504,"sentiment":"neutral","sentiment_score":0.17806829512119293},{"text":"Will 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super.","start":898.70496,"end":902.16,"sentiment":"neutral","sentiment_score":0.12299168167205957},{"text":"So one of the things I can look at is definitely looking at just replacing that Better Long Australian Equities with something else and maybe limiting the tax consequences of it that way for you.","start":902.87994,"end":913.69995,"sentiment":"neutral","sentiment_score":0.18298565766641073}],"sentiment":"neutral","sentiment_score":0.1478785742790653,"channel":0,"num_words":104,"start":883.61,"end":913.69995},{"sentences":[{"text":"But the other thing I just wanted to also sort of bring up was that, recently, our our investment committee along with our BlackRock's investment committee, and I'm not sure if you've ever heard of BlackRock before, but one of Australia's largest investment firms, we've actually joined together and built what's called a separately managed account.","start":914.0,"end":930.575,"sentiment":"neutral","sentiment_score":0.03978588527700465},{"text":"An SMA is essentially an investment product, a bit like what you've got your funds invested in.","start":931.35,"end":937.21,"sentiment":"neutral","sentiment_score":0.06592049033326261},{"text":"And you'd be if you wanted to go look at this as a product, you would be in the Oakview SMA.","start":937.51,"end":942.79,"sentiment":"neutral","sentiment_score":0.08340403579530262},{"text":"But in that on SMA, you actually have anywhere between 20 to 50 different investment options.","start":942.79,"end":948.065,"sentiment":"neutral","sentiment_score":0.07878693728707731},{"text":"The benefit to having an SMA is that when things like what happened with Bennelong occur, we can actually remove those underlying investments quickly and easily without having to update advice there for 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SMA.","start":967.51,"end":970.33,"sentiment":"neutral","sentiment_score":-0.08351742161008027},{"text":"What","start":971.11005,"end":971.35004,"sentiment":"neutral","sentiment_score":0.01740603893995285}],"sentiment":"neutral","sentiment_score":-0.09973905386868864,"channel":0,"num_words":32,"start":962.23004,"end":971.35004},{"sentences":[{"text":"Yeah.","start":971.155,"end":971.655,"sentiment":"neutral","sentiment_score":0.03559711575508118}],"sentiment":"neutral","sentiment_score":0.03559711575508118,"channel":1,"num_words":1,"start":971.155,"end":971.655},{"sentences":[{"text":"I would like to find out is would you be open to looking at something like that if it's gonna provide graded benefit, or would you like to see the way your investments are structured?","start":971.35004,"end":980.29504,"sentiment":"neutral","sentiment_score":0.05170980878174305},{"text":"What's more 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there.","start":1038.6749,"end":1045.6349,"sentiment":"neutral","sentiment_score":0.07732507156638},{"text":"Okay?","start":1045.6349,"end":1046.1349,"sentiment":"neutral","sentiment_score":0.1483839452266693}],"sentiment":"neutral","sentiment_score":0.07995688170194626,"channel":0,"num_words":27,"start":1038.6749,"end":1046.1349},{"sentences":[{"text":"Sounds good.","start":1046.735,"end":1047.635,"sentiment":"positive","sentiment_score":0.5741201937198639}],"sentiment":"positive","sentiment_score":0.5741201937198639,"channel":1,"num_words":2,"start":1046.735,"end":1047.635},{"sentences":[{"text":"Perfect.","start":1047.875,"end":1048.375,"sentiment":"positive","sentiment_score":0.5758417844772339},{"text":"Now a couple of other questions just to kinda gauge on your risk level and where we are and what you should be maybe invested in.","start":1049.475,"end":1055.87,"sentiment":"neutral","sentiment_score":0.02679697904162682},{"text":"Having a look so sorry.","start":1056.65,"end":1058.25,"sentiment":"neutral","sentiment_score":-0.09489471167325973},{"text":"My throat's a little bit sore.","start":1058.25,"end":1059.29,"sentiment":"negative","sentiment_score":-0.3967645466327667},{"text":"I do apologize that I keep pausing.","start":1059.29,"end":1061.15,"sentiment":"neutral","sentiment_score":-0.26205803666796}],"sentiment":"neutral","sentiment_score":-0.07593119678397973,"channel":0,"num_words":45,"start":1047.875,"end":1061.15},{"sentences":[{"text":"Just with the so if you looked at your sleep over the next sort of six months to twelve months, and you sort of found that it had fallen, whether it'd be 10%, twenty percent, how do you think you might be feeling about that?","start":1063.53,"end":1075.6449,"sentiment":"neutral","sentiment_score":-0.10847420485483275}],"sentiment":"neutral","sentiment_score":-0.10847420485483275,"channel":0,"num_words":45,"start":1063.53,"end":1075.6449},{"sentences":[{"text":"I know it goes up and 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to put more money in to try and get take advantage of the TIF, or do you think you might just be wanting to hold and wait and let it recover and maybe talk to us at the time?","start":1081.32,"end":1090.76,"sentiment":"neutral","sentiment_score":-0.05285991376472844},{"text":"How do you","start":1090.76,"end":1091.1599,"sentiment":"neutral","sentiment_score":-0.01811363423864047}],"sentiment":"neutral","sentiment_score":-0.0504305151728343,"channel":0,"num_words":49,"start":1081.08,"end":1091.1599},{"sentences":[{"text":"Yeah.","start":1091.15,"end":1091.55,"sentiment":"neutral","sentiment_score":-0.014961032196879389}],"sentiment":"neutral","sentiment_score":-0.014961032196879389,"channel":1,"num_words":1,"start":1091.15,"end":1091.55},{"sentences":[{"text":"think you 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feeling?","start":1091.64,"end":1092.38,"sentiment":"neutral","sentiment_score":-0.020256119780242443}],"sentiment":"neutral","sentiment_score":-0.020256119780242443,"channel":0,"num_words":2,"start":1091.64,"end":1092.38},{"sentences":[{"text":"Yeah.","start":1092.67,"end":1092.99,"sentiment":"neutral","sentiment_score":0.03574289381504059}],"sentiment":"neutral","sentiment_score":0.03574289381504059,"channel":1,"num_words":1,"start":1092.67,"end":1092.99},{"sentences":[{"text":"Yep.","start":1092.9199,"end":1093.4199,"sentiment":"neutral","sentiment_score":0.05014605447649956}],"sentiment":"neutral","sentiment_score":0.05014605447649956,"channel":0,"num_words":1,"start":1092.9199,"end":1093.4199},{"sentences":[{"text":"Just just let it take its course.","start":1092.99,"end":1095.41,"sentiment":"neutral","sentiment_score":0.07415486499667168}],"sentiment":"neutral","sentiment_score":0.07415486499667168,"channel":1,"num_words":7,"start":1092.99,"end":1095.41},{"sentences":[{"text":"Yep.","start":1095.815,"end":1096.315,"sentiment":"neutral","sentiment_score":0.1946829855442047},{"text":"Beautiful.","start":1096.5349,"end":1097.0349,"sentiment":"positive","sentiment_score":0.6043441891670227},{"text":"Fantastic.","start":1097.6549,"end":1098.1549,"sentiment":"positive","sentiment_score":0.5752975940704346},{"text":"When you think about your super, do you feel comfortable taking on a higher level of risk to try and get greater potential returns, or do you feel a bit more risk averse with the ups and downs that we're sort of seeing at the moment?","start":1099.975,"end":1110.73,"sentiment":"neutral","sentiment_score":-0.015667373476468998},{"text":"How do you feel about risk in the market?","start":1110.73,"end":1112.75,"sentiment":"neutral","sentiment_score":-0.047946264346440635}],"sentiment":"neutral","sentiment_score":0.0038294691335538336,"channel":0,"num_words":58,"start":1095.815,"end":1112.75},{"sentences":[{"text":"Yeah.","start":1112.885,"end":1113.365,"sentiment":"neutral","sentiment_score":-0.018251391127705578},{"text":"I think I was always sort of mid mid level there.","start":1113.365,"end":1116.645,"sentiment":"neutral","sentiment_score":-0.02211140790446238},{"text":"So","start":1116.645,"end":1117.145,"sentiment":"neutral","sentiment_score":0.029964733868837357}],"sentiment":"neutral","sentiment_score":-0.017808626477534954,"channel":1,"num_words":13,"start":1112.885,"end":1117.145},{"sentences":[{"text":"Yep.","start":1117.29,"end":1117.79,"sentiment":"neutral","sentiment_score":0.02001333236694336}],"sentiment":"neutral","sentiment_score":0.02001333236694336,"channel":0,"num_words":1,"start":1117.29,"end":1117.79},{"sentences":[{"text":"sort of, you know, fifty fifty, I guess.","start":1117.5499,"end":1120.13,"sentiment":"neutral","sentiment_score":-0.0029981988482177258}],"sentiment":"neutral","sentiment_score":-0.0029981988482177258,"channel":1,"num_words":8,"start":1117.5499,"end":1120.13},{"sentences":[{"text":"Yeah.","start":1120.65,"end":1120.89,"sentiment":"neutral","sentiment_score":0.04834220930933952},{"text":"Yeah.","start":1120.89,"end":1121.21,"sentiment":"neutral","sentiment_score":0.13032248616218567},{"text":"Perfect.","start":1121.21,"end":1121.71,"sentiment":"neutral","sentiment_score":0.31937310099601746},{"text":"So you're comfortable taking on a a moderate to medium amount of risk.","start":1121.77,"end":1125.115,"sentiment":"neutral","sentiment_score":0.15596318130309766},{"text":"You wanna get the best returns you can, but not wanting to just go all in.","start":1125.115,"end":1129.055,"sentiment":"neutral","sentiment_score":0.1629384057596326}],"sentiment":"neutral","sentiment_score":0.16039292642381042,"channel":0,"num_words":32,"start":1120.65,"end":1129.055},{"sentences":[{"text":"Yeah.","start":1129.63,"end":1130.13,"sentiment":"neutral","sentiment_score":0.12006169557571413}],"sentiment":"neutral","sentiment_score":0.12006169557571413,"channel":1,"num_words":1,"start":1129.63,"end":1130.13},{"sentences":[{"text":"Yep.","start":1130.715,"end":1131.115,"sentiment":"neutral","sentiment_score":0.09396921843290328},{"text":"Yep.","start":1131.115,"end":1131.515,"sentiment":"neutral","sentiment_score":0.14936445653438568},{"text":"Perfect.","start":1131.515,"end":1132.015,"sentiment":"positive","sentiment_score":0.5841041803359985},{"text":"Lovely.","start":1132.555,"end":1133.055,"sentiment":"neutral","sentiment_score":0.02553403377532959},{"text":"And am I right in thinking you're trying to sort of get the best returns you possibly can out of your sleep, aiming for the the sky's the limit there to get you super working as hard as possible?","start":1133.115,"end":1142.02,"sentiment":"positive","sentiment_score":0.35708795592952997}],"sentiment":"positive","sentiment_score":0.3437070272169834,"channel":0,"num_words":43,"start":1130.715,"end":1142.02},{"sentences":[{"text":"Yeah.","start":1142.485,"end":1142.985,"sentiment":"neutral","sentiment_score":0.3027215600013733}],"sentiment":"neutral","sentiment_score":0.3027215600013733,"channel":1,"num_words":1,"start":1142.485,"end":1142.985},{"sentences":[{"text":"Yep.","start":1143.92,"end":1144.42,"sentiment":"positive","sentiment_score":0.3422248363494873},{"text":"Perfect.","start":1144.56,"end":1145.06,"sentiment":"positive","sentiment_score":0.6532963514328003},{"text":"And just sort of thinking about investing as well, have you ever owned direct shares or managed funds in your own name at all?","start":1146.3201,"end":1153.38,"sentiment":"neutral","sentiment_score":0.16610325934986273}],"sentiment":"neutral","sentiment_score":0.19161536200688437,"channel":0,"num_words":26,"start":1143.92,"end":1153.38},{"sentences":[{"text":"No.","start":1153.58,"end":1154.08,"sentiment":"neutral","sentiment_score":-0.09646092355251312}],"sentiment":"neutral","sentiment_score":-0.09646092355251312,"channel":1,"num_words":1,"start":1153.58,"end":1154.08},{"sentences":[{"text":"Nope.","start":1154.815,"end":1155.135,"sentiment":"neutral","sentiment_score":-0.10651233792304993},{"text":"That's okay.","start":1155.135,"end":1155.875,"sentiment":"neutral","sentiment_score":0.0967926261946559},{"text":"Beautiful.","start":1156.1749,"end":1156.6749,"sentiment":"positive","sentiment_score":0.576193630695343},{"text":"And do you think you'd ever be open to the option of maybe borrowing money from a financial institution in order to invest, or it's something you wouldn't wanna consider?","start":1157.375,"end":1165.615,"sentiment":"neutral","sentiment_score":0.027391232860585053},{"text":"You'd only borrow for, say, property?","start":1165.615,"end":1167.3949,"sentiment":"neutral","sentiment_score":-0.057000781409442425}],"sentiment":"neutral","sentiment_score":0.02857497106306255,"channel":0,"num_words":40,"start":1154.815,"end":1167.3949},{"sentences":[{"text":"Exactly.","start":1167.9751,"end":1168.4751,"sentiment":"neutral","sentiment_score":0.018269892781972885},{"text":"Yeah.","start":1168.535,"end":1168.8551,"sentiment":"neutral","sentiment_score":0.024163879454135895},{"text":"Yeah.","start":1168.8551,"end":1169.3551,"sentiment":"neutral","sentiment_score":0.025338172912597656}],"sentiment":"neutral","sentiment_score":0.022590648382902145,"channel":1,"num_words":3,"start":1167.9751,"end":1169.3551},{"sentences":[{"text":"Yeah.","start":1169.5801,"end":1170.0801,"sentiment":"neutral","sentiment_score":0.02738349884748459}],"sentiment":"neutral","sentiment_score":0.02738349884748459,"channel":0,"num_words":1,"start":1169.5801,"end":1170.0801},{"sentences":[{"text":"I mean, if I had money, I've looked into investing, but that's","start":1169.895,"end":1173.755,"sentiment":"neutral","sentiment_score":-0.03515784271682302}],"sentiment":"neutral","sentiment_score":-0.03515784271682302,"channel":1,"num_words":12,"start":1169.895,"end":1173.755},{"sentences":[{"text":"Yeah.","start":1174.14,"end":1174.64,"sentiment":"neutral","sentiment_score":-0.08940240740776062}],"sentiment":"neutral","sentiment_score":-0.08940240740776062,"channel":0,"num_words":1,"start":1174.14,"end":1174.64},{"sentences":[{"text":"that's not something at the moment that I've I've got time to put time into.","start":1174.5701,"end":1178.67,"sentiment":"neutral","sentiment_score":-0.24213997026284537}],"sentiment":"neutral","sentiment_score":-0.24213997026284537,"channel":1,"num_words":15,"start":1174.5701,"end":1178.67},{"sentences":[{"text":"Okay.","start":1178.38,"end":1178.88,"sentiment":"neutral","sentiment_score":-0.07484999299049377},{"text":"No.","start":1179.26,"end":1179.5801,"sentiment":"neutral","sentiment_score":-0.10927996039390564}],"sentiment":"neutral","sentiment_score":-0.09206497669219971,"channel":0,"num_words":2,"start":1178.38,"end":1179.5801},{"sentences":[{"text":"What's the","start":1179.37,"end":1179.77,"sentiment":"neutral","sentiment_score":-0.06391347944736481}],"sentiment":"neutral","sentiment_score":-0.06391347944736481,"channel":1,"num_words":2,"start":1179.37,"end":1179.77},{"sentences":[{"text":"That's okay.","start":1179.5801,"end":1180.48,"sentiment":"neutral","sentiment_score":-0.03768247365951538},{"text":"Well, if you ever do wanna talk about investing outside of super, please give me a call.","start":1181.145,"end":1185.2251,"sentiment":"neutral","sentiment_score":0.012471258859424031},{"text":"Let me know.","start":1185.2251,"end":1186.125,"sentiment":"neutral","sentiment_score":0.05063309147953987}],"sentiment":"neutral","sentiment_score":0.013115714896808971,"channel":0,"num_words":22,"start":1179.5801,"end":1186.125},{"sentences":[{"text":"yep.","start":1186.3301,"end":1186.8301,"sentiment":"neutral","sentiment_score":0.06378995627164841}],"sentiment":"neutral","sentiment_score":0.06378995627164841,"channel":1,"num_words":1,"start":1186.3301,"end":1186.8301},{"sentences":[{"text":"As part of us, we are a financial adviser, and I can give you advice on other areas, not just sort of looking at super.","start":1186.505,"end":1192.3451,"sentiment":"neutral","sentiment_score":0.09885444223880768},{"text":"We start with super insurances because that's kind of we're working towards your retirement goals and and having the insurances that'll protect your lifestyle.","start":1192.3451,"end":1200.1,"sentiment":"neutral","sentiment_score":0.21305805817246437},{"text":"But if you wanted to talk about investing outside of super, we can also provide advice in those areas for you.","start":1201.0399,"end":1206.32,"sentiment":"neutral","sentiment_score":0.13133689069322177},{"text":"We have mortgage brokers that you can talk to if you wanted to have","start":1206.32,"end":1209.495,"sentiment":"neutral","sentiment_score":0.09447577648929187}],"sentiment":"neutral","sentiment_score":0.13887488127996525,"channel":0,"num_words":84,"start":1186.505,"end":1209.495},{"sentences":[{"text":"Alright.","start":1209.6599,"end":1210.1599,"sentiment":"neutral","sentiment_score":0.08000253140926361}],"sentiment":"neutral","sentiment_score":0.08000253140926361,"channel":1,"num_words":1,"start":1209.6599,"end":1210.1599},{"sentences":[{"text":"your mortgage reevaluated as well.","start":1209.735,"end":1211.975,"sentiment":"neutral","sentiment_score":0.10324767529964447},{"text":"So","start":1211.975,"end":1212.475,"sentiment":"neutral","sentiment_score":0.14763879776000977}],"sentiment":"neutral","sentiment_score":0.11064619570970535,"channel":0,"num_words":6,"start":1209.735,"end":1212.475},{"sentences":[{"text":"Yep.","start":1212.2999,"end":1212.7999,"sentiment":"neutral","sentiment_score":0.17548677325248718}],"sentiment":"neutral","sentiment_score":0.17548677325248718,"channel":1,"num_words":1,"start":1212.2999,"end":1212.7999},{"sentences":[{"text":"feel free to give us a call.","start":1212.695,"end":1213.975,"sentiment":"neutral","sentiment_score":0.174209007195064},{"text":"Let me know if there's any questions you have.","start":1213.975,"end":1215.895,"sentiment":"neutral","sentiment_score":0.16578326788213518},{"text":"If I can ask them or give advice, I will.","start":1215.895,"end":1218.475,"sentiment":"neutral","sentiment_score":0.1332612931728363},{"text":"If I can't, I can refer you through to someone who can help you.","start":1218.775,"end":1222.375,"sentiment":"neutral","sentiment_score":0.1248907803424767},{"text":"Okay?","start":1222.375,"end":1222.875,"sentiment":"neutral","sentiment_score":0.15210795402526855}],"sentiment":"neutral","sentiment_score":0.14499278711836514,"channel":0,"num_words":41,"start":1212.695,"end":1222.875},{"sentences":[{"text":"Awesome.","start":1223.325,"end":1223.825,"sentiment":"positive","sentiment_score":0.4266703724861145}],"sentiment":"positive","sentiment_score":0.4266703724861145,"channel":1,"num_words":1,"start":1223.325,"end":1223.825},{"sentences":[{"text":"Yeah.","start":1224.51,"end":1224.9901,"sentiment":"neutral","sentiment_score":0.2296890914440155},{"text":"Not a problem at all.","start":1224.9901,"end":1226.4501,"sentiment":"neutral","sentiment_score":0.24245544373989106},{"text":"Now I've just done that risk profile questionnaire with you.","start":1226.9901,"end":1229.63,"sentiment":"neutral","sentiment_score":0.15262967199087143},{"text":"How you have scored is more of a growth investor.","start":1229.63,"end":1232.05,"sentiment":"neutral","sentiment_score":0.1076093040406704},{"text":"So you are in that kind of growth environment at the moment, and, generally, this sort of investor sees about 80% of their super invested in growth assets.","start":1232.1901,"end":1241.465,"sentiment":"neutral","sentiment_score":0.12979099876247346}],"sentiment":"neutral","sentiment_score":0.14219451918163234,"channel":0,"num_words":54,"start":1224.51,"end":1241.465},{"sentences":[{"text":"So you're thinking about things like Australian shares, international shares, some listed property, and also some commodities like gold and silver there as well.","start":1241.465,"end":1250.125,"sentiment":"neutral","sentiment_score":0.04609772462087373}],"sentiment":"neutral","sentiment_score":0.04609772462087373,"channel":0,"num_words":24,"start":1241.465,"end":1250.125},{"sentences":[{"text":"Yeah.","start":1250.255,"end":1250.755,"sentiment":"neutral","sentiment_score":0.007489724084734917}],"sentiment":"neutral","sentiment_score":0.007489724084734917,"channel":1,"num_words":1,"start":1250.255,"end":1250.755},{"sentences":[{"text":"The other 20% would be, you know, slower risk kind of defensive investments, the things like cash, bonds, and fixed interest.","start":1250.745,"end":1257.51,"sentiment":"neutral","sentiment_score":-0.056259267298238616},{"text":"This is by no means at the top of that investor scale.","start":1257.51,"end":1260.31,"sentiment":"neutral","sentiment_score":-0.12136197183281183},{"text":"You're kind of midway at the moment.","start":1260.31,"end":1262.17,"sentiment":"neutral","sentiment_score":-0.07159550381558281},{"text":"Do you feel like you're comfortable staying in that kind of area, or would you wanna maybe look at evaluating that?","start":1262.63,"end":1268.25,"sentiment":"neutral","sentiment_score":-0.012817399487608955}],"sentiment":"neutral","sentiment_score":-0.05587085559353477,"channel":0,"num_words":61,"start":1250.745,"end":1268.25},{"sentences":[{"text":"Yeah.","start":1268.785,"end":1269.285,"sentiment":"neutral","sentiment_score":0.0341009758412838},{"text":"At the moment, fairly comfortable.","start":1269.625,"end":1271.845,"sentiment":"neutral","sentiment_score":0.04504886195063591}],"sentiment":"neutral","sentiment_score":0.04322421426574389,"channel":1,"num_words":6,"start":1268.785,"end":1271.845},{"sentences":[{"text":"Yeah.","start":1272.025,"end":1272.505,"sentiment":"neutral","sentiment_score":0.10236261039972304},{"text":"Yep.","start":1272.505,"end":1272.745,"sentiment":"neutral","sentiment_score":0.12287430465221404},{"text":"Yep.","start":1272.745,"end":1273.0651,"sentiment":"neutral","sentiment_score":0.20437690615653992},{"text":"Beautiful.","start":1273.0651,"end":1273.5651,"sentiment":"positive","sentiment_score":0.5252518057823181},{"text":"To give you a bit of an idea with that growth sort of environment there, it normally suits someone who has at least six years before they're needing or wanting to access their their money or their super, so you do kind of have that time horizon for it.","start":1273.945,"end":1286.2999,"sentiment":"neutral","sentiment_score":0.14317776247554895}],"sentiment":"neutral","sentiment_score":0.15038822619420178,"channel":0,"num_words":53,"start":1272.025,"end":1286.2999},{"sentences":[{"text":"With the way we see the investments going with that growth portfolio, we are aiming for about a seven to 9% return on an annual basis compounding that forward.","start":1287.0,"end":1295.8999,"sentiment":"neutral","sentiment_score":0.10585398715117882},{"text":"But we do understand because markets go up and down, we can expect a likelihood of a negative return sort of one in every five years.","start":1296.225,"end":1303.445,"sentiment":"neutral","sentiment_score":-0.24606770964769217},{"text":"Do you feel you feel comfortable with that if that's okay?","start":1303.985,"end":1306.725,"sentiment":"neutral","sentiment_score":-0.130823628468947}],"sentiment":"neutral","sentiment_score":-0.07222810206991254,"channel":0,"num_words":66,"start":1287.0,"end":1306.725},{"sentences":[{"text":"Yeah.","start":1307.095,"end":1307.495,"sentiment":"neutral","sentiment_score":0.046497248113155365},{"text":"Absolutely.","start":1307.495,"end":1307.995,"sentiment":"neutral","sentiment_score":0.16554991900920868}],"sentiment":"neutral","sentiment_score":0.10602358356118202,"channel":1,"num_words":2,"start":1307.095,"end":1307.995},{"sentences":[{"text":"Yep.","start":1308.065,"end":1308.54,"sentiment":"neutral","sentiment_score":0.19239327311515808},{"text":"Beautiful.","start":1308.78,"end":1309.1001,"sentiment":"positive","sentiment_score":0.44075506925582886},{"text":"And you've got lot a lot longer that that 60 time horizon ahead of you.","start":1309.1001,"end":1313.02,"sentiment":"neutral","sentiment_score":0.0761307050784429},{"text":"We can't actually access super to 60 at this point, so we've got a lot of working life ahead of us.","start":1313.02,"end":1318.86,"sentiment":"neutral","sentiment_score":-0.022759176790714264},{"text":"And I'm almost the same age as you, so don't worry.","start":1318.86,"end":1322.06,"sentiment":"neutral","sentiment_score":0.050366161560470406}],"sentiment":"neutral","sentiment_score":0.037779469043016434,"channel":0,"num_words":49,"start":1308.065,"end":1322.06},{"sentences":[{"text":"I'm in the same boat.","start":1322.06,"end":1323.36,"sentiment":"neutral","sentiment_score":0.08119851499795913}],"sentiment":"neutral","sentiment_score":0.08119851499795913,"channel":0,"num_words":5,"start":1322.06,"end":1323.36},{"sentences":[{"text":"Yep.","start":1323.58,"end":1324.08,"sentiment":"neutral","sentiment_score":0.07255595922470093}],"sentiment":"neutral","sentiment_score":0.07255595922470093,"channel":1,"num_words":1,"start":1323.58,"end":1324.08},{"sentences":[{"text":"Yeah.","start":1324.795,"end":1325.295,"sentiment":"neutral","sentiment_score":0.07793587446212769},{"text":"No.","start":1325.355,"end":1325.595,"sentiment":"neutral","sentiment_score":0.054648008197546005},{"text":"That's perfectly fine.","start":1325.595,"end":1326.7151,"sentiment":"neutral","sentiment_score":0.12391081949075063},{"text":"Well, I'll I'll look at the growth portfolio, look at the investments between the two, do the research rather to sort of see what we have got and what it looks like for you.","start":1326.7151,"end":1334.7151,"sentiment":"neutral","sentiment_score":0.13776583180708044},{"text":"And I can update the advice to reflect.","start":1334.7151,"end":1337.055,"sentiment":"neutral","sentiment_score":0.09967607166618109}],"sentiment":"neutral","sentiment_score":0.12735666374259808,"channel":0,"num_words":47,"start":1324.795,"end":1337.055},{"sentences":[{"text":"Just so you are aware, Steven.","start":1337.58,"end":1339.28,"sentiment":"neutral","sentiment_score":0.047182222828269005},{"text":"All the advice that we do provide, because you're an ongoing service client, you pay us an ongoing service fee.","start":1339.5,"end":1344.86,"sentiment":"neutral","sentiment_score":0.06888453271239996},{"text":"So that fee is 1.65% per annum.","start":1344.86,"end":1347.76,"sentiment":"neutral","sentiment_score":0.04725705459713936},{"text":"It is","start":1347.9,"end":1348.22,"sentiment":"neutral","sentiment_score":0.04424895718693733}],"sentiment":"neutral","sentiment_score":0.05943089393632753,"channel":0,"num_words":35,"start":1337.58,"end":1348.22},{"sentences":[{"text":"Yes.","start":1348.2,"end":1348.7,"sentiment":"neutral","sentiment_score":0.05569295957684517}],"sentiment":"neutral","sentiment_score":0.05569295957684517,"channel":1,"num_words":1,"start":1348.2,"end":1348.7},{"sentences":[{"text":"calculated and deducted out of your super on a smaller monthly basis.","start":1348.22,"end":1351.76,"sentiment":"neutral","sentiment_score":0.10304201828936736},{"text":"And the idea of that as a percentage based fee is it fluctuates with the market.","start":1352.3351,"end":1356.255,"sentiment":"neutral","sentiment_score":0.045214704048703425},{"text":"So when the market's doing really well, when you're getting really good returns, it does mean that we earn a bit more.","start":1356.255,"end":1361.295,"sentiment":"positive","sentiment_score":0.3462227020751346},{"text":"However, if the market was to take a bit of a dip due to the market fluctuations or what we are seeing, it means that our our fee does go down with it.","start":1361.295,"end":1369.5901,"sentiment":"neutral","sentiment_score":-0.17641473990498166},{"text":"So having a percentage based fee does mean it is linked to the performance of your super there as well, which is a matter of it.","start":1369.5901,"end":1376.49,"sentiment":"neutral","sentiment_score":0.07821478852285789}],"sentiment":"neutral","sentiment_score":0.05310767903334435,"channel":0,"num_words":109,"start":1348.22,"end":1376.49},{"sentences":[{"text":"But part of that is making sure that we're updating the advice for you.","start":1376.87,"end":1380.15,"sentiment":"neutral","sentiment_score":0.06932111510208674},{"text":"So there's 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representative discusses the customer's annual review and provides information about their coverage and benefits, including retirement plans and retirement savings. They also discuss the retirement of the customer's insurance and the possibility of a tax benefit. The agent emphasizes the importance of updating the customer's investment strategy and risk management, as well as updating their age and retirement age. The agent also discusses the benefits of investing outside of super and offers advice on risk management and borrowing money from a financial institution. The agent emphasizes the importance of updating the customer's investment strategy and provides a registration number for the customer's annual review pack."},"intents":{"segments":[{"text":"I had you booked in to go through a bit of an annual review with you. Is now a good time?","start_word":27,"end_word":47,"intents":[{"intent":"Schedule annual review","confidence_score":0.095126085}]},{"text":"And just to do security there with you as well, we are discussing your personal information. 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What is she averaging?","start_word":7421,"end_word":7449,"intents":[{"intent":"Update information","confidence_score":0.039086252}]},{"text":"If we send you a text message shortly, are you able just to reply back to that with the back and front of your photo ID just so we keep our records to date? Yeah.","start_word":7650,"end_word":7684,"intents":[{"intent":"Send text","confidence_score":0.581382},{"intent":"Send review","confidence_score":0.07302077}]},{"text":"If we send you a text message shortly, are you able just to reply back to that with the back and front of your photo ID just so we keep our records to date? Yeah. Definitely.","start_word":7650,"end_word":7685,"intents":[{"intent":"Update information","confidence_score":0.019155137}]},{"text":"Excellent communication. And You know, like, you you're doing oh, fantastic. the the right job. So I'm Thank glad I I switched over. you.","start_word":7711,"end_word":7734,"intents":[{"intent":"Understand communication","confidence_score":0.00007469233}]},{"text":"So I'm Thank glad I I switched over. you.","start_word":7726,"end_word":7734,"intents":[{"intent":"Transfer call","confidence_score":0.05188352}]},{"text":"I'll be doing your research and all the advice moving forward to help you as we Your work chance?","start_word":7935,"end_word":7953,"intents":[{"intent":"Assist with research","confidence_score":0.0074823615}]},{"text":"In the annual review pack in case we haven't spoken before, we'll also be our finance services guide. And in that, it's got all the information on me, who I am. It's got a lovely photo of me as well, a bit glossy and and all done up. So you're welcome to run your eyes over that.","start_word":7958,"end_word":8014,"intents":[{"intent":"Provide information about review","confidence_score":0.000020877658}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Steven. This is Dana from OQ Financial. How are you this afternoon?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.1279982179403305},{"text":"Good.","start_word":14,"end_word":14,"sentiment":"positive","sentiment_score":0.3727179765701294},{"text":"How are you?","start_word":15,"end_word":17,"sentiment":"neutral","sentiment_score":0.2764891982078552},{"text":"I'm very well. Thank you. Thank you for asking.","start_word":18,"end_word":26,"sentiment":"positive","sentiment_score":0.5648717284202576},{"text":"I had you booked in to go through a bit of an annual review with you. Is now a good time? Yeah. Go for it. Yeah.","start_word":27,"end_word":52,"sentiment":"neutral","sentiment_score":0.18041293323040009},{"text":"Fantastic.","start_word":53,"end_word":53,"sentiment":"positive","sentiment_score":0.5833858847618103},{"text":"How has your day been? Oh, it was a day. Yeah. Monday, Yeah. up and done with. Yeah.","start_word":54,"end_word":71,"sentiment":"neutral","sentiment_score":0.19674451649188995},{"text":"Thank goodness. All good, Steven.","start_word":72,"end_word":76,"sentiment":"positive","sentiment_score":0.4187126755714417},{"text":"Before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yep. That's fine.","start_word":77,"end_word":109,"sentiment":"neutral","sentiment_score":0.12652599811553955},{"text":"Beautiful.","start_word":110,"end_word":110,"sentiment":"positive","sentiment_score":0.5067987442016602},{"text":"And just to do security there with you as well, we are discussing your personal information. So I'll just get you to confirm your full name, date of birth, and address I should have on file for you. Yeah. Steven Andrew Carter. Yep. 8 Waring Street in Higgins, A C T. What's the last one? Phone number. Date of date of birth. Sorry. Oh, nice. September 1980.","start_word":111,"end_word":177,"sentiment":"neutral","sentiment_score":0.07964697480201721},{"text":"Beautiful. Lovely.","start_word":178,"end_word":179,"sentiment":"positive","sentiment_score":0.3687349557876587},{"text":"Steven, to sort of run through things, I know we do normally send through your annual review documents. I've had a little bit of Internet trouble today. So I'll go through everything with you and provide an update, and then I'll get my admin team to email those AR documents through to you within the next sort of twenty four hours. Is that okay? Yes. Yes, please. Yeah.","start_word":180,"end_word":247,"sentiment":"neutral","sentiment_score":0.04286860674619675},{"text":"Beautiful. All good.","start_word":248,"end_word":250,"sentiment":"positive","sentiment_score":0.34070998430252075},{"text":"Sounds like you're getting ready to cook dinner. I am. Yeah.","start_word":251,"end_word":261,"sentiment":"neutral","sentiment_score":0.28356772661209106},{"text":"Nice.","start_word":262,"end_word":262,"sentiment":"positive","sentiment_score":0.35112112760543823},{"text":"I can multitask.","start_word":263,"end_word":265,"sentiment":"neutral","sentiment_score":0.31657347083091736},{"text":"You've done well.","start_word":266,"end_word":268,"sentiment":"positive","sentiment_score":0.3434525430202484},{"text":"If you need me to stop at any point, just let me know, but I'll try not to take up too much of your time. Okay? Oh, no. That's fine.","start_word":269,"end_word":298,"sentiment":"neutral","sentiment_score":0.07606921344995499},{"text":"Fantastic. All good.","start_word":299,"end_word":301,"sentiment":"positive","sentiment_score":0.38792797923088074},{"text":"So just wanted to sort of run through and give you a bit of an update on where things are at the moment as well. But before Yep. we jump into the annual review properly, is there anything that you wanted me to sort of touch base on? Any sort of questions you had that you would like to maybe have me touch on? Yes. I I had a look the other day. I was with CareSuper, and I gave you guys authority to take the money out of that, put it into the hub. Yes. Yes. I checked my care sleep the other day, and there's 14,000 still in Yes. Yeah. Correct. So we have retained the CareSoupa to retain to stay open because it does have your insurances in it. place there at the moment. So we Alright. are retaining CareSleeper as well as having hub 24 so that you do have a level of cover. Sorry. I'm just my colleague just got off the phone to be able to do the research with them. It has been a little bit tight to get that information, but sorry. Might give me one second.","start_word":302,"end_word":496,"sentiment":"neutral","sentiment_score":0.062395418378023},{"text":"My computer's a little bit slow for Monday afternoon.","start_word":497,"end_word":505,"sentiment":"negative","sentiment_score":-0.3686613440513611},{"text":"Gotta love technology when it wants to work. Yeah. The statement. The most recent Yeah. statement It was all we good. I have. just I was just wondering. So oh, Yeah. that No. should That's be in the house.","start_word":506,"end_word":544,"sentiment":"neutral","sentiment_score":0.03347019478678703},{"text":"So absolutely fine.","start_word":545,"end_word":547,"sentiment":"positive","sentiment_score":0.33937352895736694},{"text":"yep. Cool. So, yeah, so we do have majority of your funds in Hub, but I think when you came on board, one of the things that they did discuss with you was just with your health. You were prediabetic, so it did make getting new cover quite expensive. Yep. So they have retained the Care Super to retain the life and TPD components. Mhmm. It does, unfortunately, mean that you don't have any income protection. So it does mean that in the event that you're not able to work, there is no Yes. monthly benefit to fall back on. But it does mean that we're having a life cover there, that if anything was to happen, that you do have some life cover, plus you're super to be paid out to your beneficiaries. And it looks like you've got some TBD there as well, so total permanent disability, which can pay out a lump sum benefit or an income stream in the event that you're unable to go to work again due to being totally permanently disabled. Yeah. Oh, good. I'm just trying to double check the amounts that we have here for you. As Yep. of the first the first so the January 30 this year, the amount of life that you had in there was a 124,500. And with the TPD, the amount you have was about 83,000. So, Yep. realistically, with TPD, if you are to be TPD, there is tax that can be paid on the TPD benefit amount. It is, unfortunately, up to 22%. I personally do disagree. I don't think I think if you're permanently disabled and not able to work again, the last thing the tax man should be getting is up to 22% of your TBD claim. But we can also claim permanent incapacity minimize the tax as much as possible and to get the maximum benefit, whether it be keep it invested and draw down a regular income. And there's a few little fun fancy things that we can do to help minimize the tax on that as well for you. Yes. Okay?","start_word":548,"end_word":900,"sentiment":"neutral","sentiment_score":-0.02074159773016512},{"text":"Awesome.","start_word":901,"end_word":901,"sentiment":"positive","sentiment_score":0.3564513325691223},{"text":"Yeah. How's everything been going work wise? I had it down here that you were working in sales. And last time we spoke well, I'm so sorry. It was about 2020, like, 2024. You were still on probation, but you had that new role. Are you still in the same role you were last time we caught Yeah. up? Yeah. So I'm off probation now. Well, it's more and truly.","start_word":902,"end_word":971,"sentiment":"neutral","sentiment_score":0.01650463230907917},{"text":"Perfect.","start_word":972,"end_word":972,"sentiment":"positive","sentiment_score":0.3490399420261383},{"text":"Yep.","start_word":973,"end_word":973,"sentiment":"neutral","sentiment_score":0.1750568002462387},{"text":"Perfect. Lovely.","start_word":974,"end_word":975,"sentiment":"positive","sentiment_score":0.4112999439239502},{"text":"And that's a Bob Jane team. Is that right? That's it. Yep. Yep. Perfect. And how's everything going? You're still enjoying the role? Yeah. Yeah. Yep.","start_word":976,"end_word":1001,"sentiment":"neutral","sentiment_score":0.16220363974571228},{"text":"Fantastic.","start_word":1002,"end_word":1002,"sentiment":"positive","sentiment_score":0.4097821116447449},{"text":"Income wise, have they given you a pay rise? I'm sure you're worth a lot more than you're on back in 2024. Yeah. I'm on '92 now.","start_word":1003,"end_word":1029,"sentiment":"neutral","sentiment_score":0.10839299112558363},{"text":"Oh, fantastic. We had 85 down here, so that is good to see.","start_word":1030,"end_word":1042,"sentiment":"positive","sentiment_score":0.40186551213264465},{"text":"So 92,000? Yep.","start_word":1043,"end_word":1045,"sentiment":"neutral","sentiment_score":0.15520890057086945},{"text":"Beautiful.","start_word":1046,"end_word":1046,"sentiment":"positive","sentiment_score":0.4412643313407898},{"text":"And do you get regular bonuses or commissions or anything on top of that at all? Yes. Yeah. So Yes. up up to $5 or Perfect. maybe even $10 a year. So Yeah.","start_word":1047,"end_word":1079,"sentiment":"neutral","sentiment_score":0.1418791562318802},{"text":"Lovely.","start_word":1080,"end_word":1080,"sentiment":"positive","sentiment_score":0.3924388587474823},{"text":"10,000 per year.","start_word":1081,"end_word":1083,"sentiment":"neutral","sentiment_score":0.23766013979911804},{"text":"Excellent. Fantastic.","start_word":1084,"end_word":1085,"sentiment":"positive","sentiment_score":0.5677022337913513},{"text":"And are you managing to put much away in the way of savings at the moment, or is everything going towards the bills and expenditure? How's everything looking that way? Yeah. Pretty well. Everything's just on Yep. bills. We're just doing renos at the moment. So Fun. But not not real spending as such. Just Yep. just daily living sort of stuff and Yeah. putting our girls And through and school. the renovations. So yeah.","start_word":1086,"end_word":1160,"sentiment":"neutral","sentiment_score":0.057436518371105194},{"text":"All good.","start_word":1161,"end_word":1162,"sentiment":"positive","sentiment_score":0.47516798973083496},{"text":"What a way you're about to be renovating first? What's the what have you started on? Well, yeah. Just adding a bedroom and an en suite. It's Yep. upping the value of the house a bit. Yeah.","start_word":1163,"end_word":1199,"sentiment":"neutral","sentiment_score":0.10354704409837724},{"text":"Perfect.","start_word":1200,"end_word":1200,"sentiment":"positive","sentiment_score":0.5299190878868103},{"text":"And your property that you have there, we had that valued last year at about a million dollars. What sort of value do you put on the property now? Have you sort of looked at that or had it valued? Or No. Not recently. no. That's okay. Would you like, if the other way to look at that is if you were to sell the property tomorrow, what would you want for? What value is it to you? Would you sort of keep it at that million dollar mark, or do you think Yes. you might alter Yeah. it? That's sort of the the going price at the moment. Yeah. After renos, we're sort of hoping for 1.2, 1.3. Okay. Perfect. 1.2 to 1.3 after the renovations.","start_word":1201,"end_word":1327,"sentiment":"neutral","sentiment_score":0.02056731842458248},{"text":"Lovely.","start_word":1328,"end_word":1328,"sentiment":"positive","sentiment_score":0.3855329751968384},{"text":"And what's the time frame if you're giving yourself that you're hoping to have those completed by? It'll be about sixteen weeks. Okay. Perfect. Are you on track? Or Yeah. Yeah. I actually Yep. start tomorrow. Oh, nice. And are you on are you taking time off to do that, or you'll still be working? No. No. I'm just gonna work here. Yeah.","start_word":1329,"end_word":1391,"sentiment":"neutral","sentiment_score":0.06755203008651733},{"text":"Perfect. Well, I hope it all goes well. I know renovations can be very testing, but, look, it can be really rewarding once it's done as well.","start_word":1392,"end_word":1418,"sentiment":"positive","sentiment_score":0.400295227766037},{"text":"Yeah. Yep. No. It should be good.","start_word":1419,"end_word":1425,"sentiment":"neutral","sentiment_score":0.22159743309020996},{"text":"Fantastic.","start_word":1426,"end_word":1426,"sentiment":"positive","sentiment_score":0.6028755903244019},{"text":"We had the loan there for the property at about 375,000. Have you managed to reduce the loan a bit since then, or have you increased Yeah. Slightly increased. Yep.","start_word":1427,"end_word":1456,"sentiment":"neutral","sentiment_score":0.06974739246070386},{"text":"Lovely.","start_word":1457,"end_word":1457,"sentiment":"positive","sentiment_score":0.3642843961715698},{"text":"Do you know roughly what it might be at the moment? I think they're probably up close to the 500, I guess. Yep. That's okay.","start_word":1458,"end_word":1482,"sentiment":"neutral","sentiment_score":0.08882971853017807},{"text":"Perfect. Even this estimate is completely fine.","start_word":1483,"end_word":1489,"sentiment":"positive","sentiment_score":0.4529939293861389},{"text":"Not a problem at all. Other assets I had noted here was your Ranger. You had an asset value of about 16,000 on that one. What sort of value would you put on your car at the moment, do you think? Yep. No. It's probably about the same. Yep. Yep. That's okay. And no debt on that one. I've got here you own it outright. Yeah.","start_word":1490,"end_word":1555,"sentiment":"neutral","sentiment_score":0.05175785347819328},{"text":"Beautiful.","start_word":1556,"end_word":1556,"sentiment":"positive","sentiment_score":0.5007840394973755},{"text":"Contents is Yeah. roughly valued about 80,000. Is that right? Yep. Perfect. And I've got some tools here with some value as well. I have a value on those of about sorry. I believe it might be 2,000. Is that right? Yeah. Yeah. Just hand Yep. tools. Probably a Yeah. bit more on that now, but Yep. That's okay. Perfect. Is that back from kind of your landscaping days? yeah. That's right. Yeah. Perfect. To tell you what, I have a lot of, I think very highly of landscapers. I'm giving a landscaping a go on my property in my backyard. It's taking a long time to do, but it's kinda fun. Yeah. It's very hard work, No. It's though.","start_word":1557,"end_word":1676,"sentiment":"neutral","sentiment_score":0.06297757476568222},{"text":"it is Very arduous on the back and the legs.","start_word":1677,"end_word":1686,"sentiment":"negative","sentiment_score":-0.3931812345981598},{"text":"yeah. Yeah. That's sort of why I gave it up.","start_word":1687,"end_word":1696,"sentiment":"neutral","sentiment_score":-0.249905064702034},{"text":"It was starting to hurt too much.","start_word":1697,"end_word":1703,"sentiment":"negative","sentiment_score":-0.4608911871910095},{"text":"Yeah. No. Absolutely. Well, what you're doing now sounds really cool. Yeah. It's very chill.","start_word":1704,"end_word":1718,"sentiment":"neutral","sentiment_score":0.11149359494447708},{"text":"Oh, fantastic.","start_word":1719,"end_word":1720,"sentiment":"positive","sentiment_score":0.4593847393989563},{"text":"Thinking forward, now I'll give you a bit of run through on what your super doing and kinda how everything's been going there for you. We Yep. have seen some ups and downs. I know just before we kinda did touch on the fact that you're sorry. We do have your care super open. So that was kept open initially for the insurance component. And, realistically, we only wanna we only wanna keep around about 10,000 in there, but Yes. we do wanna make sure your contributions continue to go into CareSoup. And then at review time every year, we do wanna do a regular rollover. What I would like to do, if you're comfortable with, I'd like to go back and just update the advice for you. Just reevaluate the investments within CareSoup and Hub twenty four, make sure everything's in line with your risk profile, which we'll check shortly, and just maybe make sure everything's working between the two funds, look at what's happening there. But with your Hub twenty four sorry. My computer's thinking about it there. I did just pull up a a statement to have a bit of a look.","start_word":1721,"end_word":1915,"sentiment":"neutral","sentiment_score":0.0951089599957833},{"text":"So in the last twelve months within Hub twenty four, your portfolio has increased by 8.24, which is really good to see. It's a it's an Yep.","start_word":1916,"end_word":1942,"sentiment":"positive","sentiment_score":0.4861648380756378},{"text":"increase in the last twelve months, and that's just solely what your portfolio has been doing because without contributions going in, it's really just making sure that portfolio is working on its own.","start_word":1943,"end_word":1975,"sentiment":"neutral","sentiment_score":0.270892858505249},{"text":"So it has that's done really, really well for the for the year, which is fantastic to see.","start_word":1976,"end_word":1993,"sentiment":"positive","sentiment_score":0.6781073808670044},{"text":"Yeah. When I have a look at the individual investments sorry. So when I look at the individual investments alone, everything is up. The only one I'm sort of concerned about is the Bennelong Australian Equities. So when that was originally recommended to you as part of your advice document, Bennelong has done really well all the way up until essentially mid last year. Late last year, early this year, we have seen some changes.","start_word":1994,"end_word":2068,"sentiment":"neutral","sentiment_score":-0.023729607462882996},{"text":"So Bennelong has, unfortunately, one of their underlying investments, Corporate Traveler, was being a bit dishonest to the market there.","start_word":2069,"end_word":2088,"sentiment":"negative","sentiment_score":-0.39528751373291016},{"text":"As public companies do, they have to report to the market. Corporate traveler reported the discrepancies, and it meant that Benelongs had to go back and reevaluate that portion of their investments. So whilst you've received an 8% return, which is fantastic, and your portfolio is up overall, then along is down a little bit. And we've sort of reevaluated that as an investment, and I'd like to actually remove it from your portfolio and put something else in its place. We Yeah. wanna make sure that we're removing any underperforming investments to keep things working harder for you and Yep. replacing them when we do need to. You are comfortable with me going ahead and doing that for you? Yeah. Definitely. Yep. Yep.","start_word":2089,"end_word":2212,"sentiment":"neutral","sentiment_score":-0.0780101340083826},{"text":"Perfect.","start_word":2213,"end_word":2213,"sentiment":"positive","sentiment_score":0.4702550768852234},{"text":"What we are sort of looking at now, I know this was placed in there as a bit of a and more of an actively managed fund. But what we are sort of replacing it with is more of a passively managed fund. We are sort of looking at still keeping the Australian exposure for you because it's important to have that, but looking at investments to put in its place, which might be more passively managed, that essentially means that they track a market index and start to outperform the market. It can Yeah. sort of help just reduce some of the risk level that you are taking there. And when you look at active managers versus passive managers, just being in the market and tracking an index, you tend to do better over the longer term. Some of these active managers that are trying to outperform the market, they often don't beat the market. And, realistically, when you look at all the different active managers, most of them don't outperform the market on a regular basis. So we could just kinda wanna replace that with something a bit more low cost to make sure we're reducing the risk level where possible, but also make sure that we're removing those underperforming investments. Does that make sense? Yeah. Absolutely. Yeah.","start_word":2214,"end_word":2433,"sentiment":"neutral","sentiment_score":0.1295296996831894},{"text":"Beautiful. Beautiful.","start_word":2434,"end_word":2435,"sentiment":"positive","sentiment_score":0.45576387643814087},{"text":"Now having a look at your age as well, because one of the important things to look at is when you're hoping to retire, I've got Hina you're 46 this year. Is that right? Yep. Yep. Beautiful. What age are you sort of hoping you'd like to be able to stop working and maybe access super? 65, 70. Yep. Do you think Yeah. you're more likely or hoping to at 65, or do you think you're more likely to probably work a bit longer? Oh, it depends what I'm doing at the time. Yeah. Yeah. Yep. If I've been in a in a role at selling good coin, then I'll I'll probably stick with it for a few extra years. Yeah.","start_word":2436,"end_word":2556,"sentiment":"neutral","sentiment_score":0.05268088214037832},{"text":"That's okay. Not a problem at all.","start_word":2557,"end_word":2563,"sentiment":"positive","sentiment_score":0.3892308175563812},{"text":"So when we did go to update the advice, you know, the last advice piece you were given, we would have sort of shown you right up into the age of retirement what the projected outcome might look like, which always looks beautiful that long away. But what I'll do is I'll only update the advice to reflect the next ten years for you. Yep. It kinda gives us an idea of where we're tracking the next ten years, and we're working in ten year lots. So we know that in the next ten years, a lot contains in your life. I don't wanna project twenty or thirty years out because a lot there's too many things that could change in that in in that time frame. Yeah. So I wanna make sure as we're kinda working towards your goal that we're doing it in lots of, you know, ten or fifteen years, and then we sort of update that every couple of couple of years to make sure we're staying on track and updating things more regularly for you. Does that make sense? Does that sound okay with you, Steven? Yeah. Sure thing. Yep.","start_word":2564,"end_word":2758,"sentiment":"neutral","sentiment_score":0.1434408873319626},{"text":"Perfect. You're welcome to stop me and ask any questions you have.","start_word":2759,"end_word":2770,"sentiment":"positive","sentiment_score":0.4419090747833252},{"text":"I know I'm probably the happiest person to ever talk about super. But if you have questions or want me to break anything down more for you, please do let me know. Okay? Yeah. Will do.","start_word":2771,"end_word":2806,"sentiment":"neutral","sentiment_score":0.1945297420024872},{"text":"Beautiful.","start_word":2807,"end_word":2807,"sentiment":"positive","sentiment_score":0.5767213106155396},{"text":"Now one of the other things that's really important is looking at sort of this the tax consequences inside your super. Because just like you do it and then your tax return with your accountant, your super does a tax return for your super every year as well, all the the trustees and the accounts. So the super fund do a tax return every year for your super. So one of the things I can look at is definitely looking at just replacing that Better Long Australian Equities with something else and maybe limiting the tax consequences of it that way for you. But the other thing I just wanted to also sort of bring up was that, recently, our our investment committee along with our BlackRock's investment committee, and I'm not sure if you've ever heard of BlackRock before, but one of Australia's largest investment firms, we've actually joined together and built what's called a separately managed account. An SMA is essentially an investment product, a bit like what you've got your funds invested in. And you'd be if you wanted to go look at this as a product, you would be in the Oakview SMA. But in that on SMA, you actually have anywhere between 20 to 50 different investment options. The benefit to having an SMA is that when things like what happened with Bennelong occur, we can actually remove those underlying investments quickly and easily without having to update advice there for you. The Yes. downside to having an SMA is that you can't see all the individual investments that you're invested in. All you would see is your balance and that you're in that SMA. What Yeah. I would like to find out is would you be open to looking at something like that if it's gonna provide graded benefit, or would you like to see the way your investments are structured? What's more preferable No. to No. you? No. Yeah. Yeah.","start_word":2808,"end_word":3134,"sentiment":"neutral","sentiment_score":0.08353626103758448},{"text":"I'm I'm happy to go into the SMA and Yeah.","start_word":3135,"end_word":3144,"sentiment":"positive","sentiment_score":0.3469044268131256},{"text":"and just see it. Put my trust in you guys and Yeah.","start_word":3145,"end_word":3156,"sentiment":"neutral","sentiment_score":0.30537375807762146},{"text":"Perfect.","start_word":3157,"end_word":3157,"sentiment":"positive","sentiment_score":0.503605842590332},{"text":"Well, I promise I will look after you. yeah. Yeah. I mean, it's out of my control either way. If I even Yeah. if I can see what my investments Yep. are in, Yep. I don't have any control over it really. That's okay. Not a problem.","start_word":3158,"end_word":3204,"sentiment":"neutral","sentiment_score":0.033476971089839935},{"text":"Well, you can use me to the full advantage.","start_word":3205,"end_word":3213,"sentiment":"positive","sentiment_score":0.3677465915679931},{"text":"I can go back and look at all of those options for you, look at the tax consequences. I can look at the cost of it. And then I can update the recommendations to reflect which way I think we should go, and I can show you the reasoning, the cost, the CGT, all of the things around that so you can, let me know what you're comfortable with. Does that sound okay? Yeah. For sure.","start_word":3214,"end_word":3289,"sentiment":"neutral","sentiment_score":0.24387842416763303},{"text":"Yeah. Beautiful. I'll do all that research there for you, and I'll update their advice document to reflect.","start_word":3290,"end_word":3307,"sentiment":"positive","sentiment_score":0.3881899416446686},{"text":"I know you do have a bit more in CareSoup, but we'll retain CareSoup the way it is for the moment just until I update the advice document. And Yep. in that, I'll also look at the investors within CareSoup before you just see whether we need to alter those or whether you're invested correctly there. Okay?","start_word":3308,"end_word":3364,"sentiment":"neutral","sentiment_score":0.08146309852600098},{"text":"Sounds good. Perfect.","start_word":3365,"end_word":3367,"sentiment":"positive","sentiment_score":0.5715817809104919},{"text":"Now a couple of other questions just to kinda gauge on your risk level and where we are and what you should be maybe invested in. Having a look so sorry.","start_word":3368,"end_word":3398,"sentiment":"neutral","sentiment_score":0.0006565091316588223},{"text":"My throat's a little bit sore.","start_word":3399,"end_word":3404,"sentiment":"negative","sentiment_score":-0.4066424369812012},{"text":"I do apologize that I keep pausing. Just with the so if you looked at your sleep over the next sort of six months to twelve months, and you sort of found that it had fallen, whether it'd be 10%, twenty percent, how do you think you might be feeling about that? I know it goes up and down. So, yeah, Yeah. it is what it is. Yeah. Do you think you'd be wanting to put more money in to try and get take advantage of the TIF, or do you think you might just be wanting to hold and wait and let it recover and maybe talk to us at the time? How do you Yeah. think you might Exactly. be feeling? Yeah. Yep. Just just let it take its course. Yep.","start_word":3405,"end_word":3537,"sentiment":"neutral","sentiment_score":-0.06986583769321442},{"text":"Beautiful. Fantastic.","start_word":3538,"end_word":3539,"sentiment":"positive","sentiment_score":0.5898208618164062},{"text":"When you think about your super, do you feel comfortable taking on a higher level of risk to try and get greater potential returns, or do you feel a bit more risk averse with the ups and downs that we're sort of seeing at the moment? How do you feel about risk in the market? Yeah. I think I was always sort of mid mid level there. So Yep. sort of, you know, fifty fifty, I guess. Yeah. Yeah. Perfect. So you're comfortable taking on a a moderate to medium amount of risk. You wanna get the best returns you can, but not wanting to just go all in. Yeah. Yep. Yep.","start_word":3540,"end_word":3651,"sentiment":"neutral","sentiment_score":0.04106814414262771},{"text":"Perfect. Lovely. And am I right in thinking you're trying to sort of get the best returns you possibly can out of your sleep, aiming for the the sky's the limit there to get you super working as hard as possible?","start_word":3652,"end_word":3692,"sentiment":"positive","sentiment_score":0.36958862077899096},{"text":"Yeah.","start_word":3693,"end_word":3693,"sentiment":"neutral","sentiment_score":0.3027215600013733},{"text":"Yep. Perfect.","start_word":3694,"end_word":3695,"sentiment":"positive","sentiment_score":0.466653436422348},{"text":"And just sort of thinking about investing as well, have you ever owned direct shares or managed funds in your own name at all? No. Nope. That's okay.","start_word":3696,"end_word":3723,"sentiment":"neutral","sentiment_score":0.11634407192468645},{"text":"Beautiful.","start_word":3724,"end_word":3724,"sentiment":"positive","sentiment_score":0.576193630695343},{"text":"And do you think you'd ever be open to the option of maybe borrowing money from a financial institution in order to invest, or it's something you wouldn't wanna consider? You'd only borrow for, say, property? Exactly. Yeah. Yeah. Yeah. I mean, if I had money, I've looked into investing, but that's Yeah. that's not something at the moment that I've I've got time to put time into. Okay. No. What's the That's okay. Well, if you ever do wanna talk about investing outside of super, please give me a call. Let me know. yep. As part of us, we are a financial adviser, and I can give you advice on other areas, not just sort of looking at super. We start with super insurances because that's kind of we're working towards your retirement goals and and having the insurances that'll protect your lifestyle. But if you wanted to talk about investing outside of super, we can also provide advice in those areas for you. We have mortgage brokers that you can talk to if you wanted to have Alright. your mortgage reevaluated as well. So Yep. feel free to give us a call. Let me know if there's any questions you have. If I can ask them or give advice, I will. If I can't, I can refer you through to someone who can help you. Okay?","start_word":3725,"end_word":3952,"sentiment":"neutral","sentiment_score":0.05858398973941803},{"text":"Awesome.","start_word":3953,"end_word":3953,"sentiment":"positive","sentiment_score":0.4266703724861145},{"text":"Yeah. Not a problem at all. Now I've just done that risk profile questionnaire with you. How you have scored is more of a growth investor. So you are in that kind of growth environment at the moment, and, generally, this sort of investor sees about 80% of their super invested in growth assets. So you're thinking about things like Australian shares, international shares, some listed property, and also some commodities like gold and silver there as well. Yeah. The other 20% would be, you know, slower risk kind of defensive investments, the things like cash, bonds, and fixed interest. This is by no means at the top of that investor scale. You're kind of midway at the moment. Do you feel like you're comfortable staying in that kind of area, or would you wanna maybe look at evaluating that? Yeah. At the moment, fairly comfortable. Yeah. Yep. Yep.","start_word":3954,"end_word":4102,"sentiment":"neutral","sentiment_score":0.04851388398107866},{"text":"Beautiful.","start_word":4103,"end_word":4103,"sentiment":"positive","sentiment_score":0.5252518057823181},{"text":"To give you a bit of an idea with that growth sort of environment there, it normally suits someone who has at least six years before they're needing or wanting to access their their money or their super, so you do kind of have that time horizon for it. With the way we see the investments going with that growth portfolio, we are aiming for about a seven to 9% return on an annual basis compounding that forward. But we do understand because markets go up and down, we can expect a likelihood of a negative return sort of one in every five years. Do you feel you feel comfortable with that if that's okay? Yeah. Absolutely. Yep.","start_word":4104,"end_word":4221,"sentiment":"neutral","sentiment_score":0.026944521814584732},{"text":"Beautiful.","start_word":4222,"end_word":4222,"sentiment":"positive","sentiment_score":0.44075506925582886},{"text":"And you've got lot a lot longer that that 60 time horizon ahead of you. We can't actually access super to 60 at this point, so we've got a lot of working life ahead of us. And I'm almost the same age as you, so don't worry. I'm in the same boat. Yep. Yeah. No. That's perfectly fine. Well, I'll I'll look at the growth portfolio, look at the investments between the two, do the research rather to sort of see what we have got and what it looks like for you. And I can update the advice to reflect. Just so you are aware, Steven. All the advice that we do provide, because you're an ongoing service client, you pay us an ongoing service fee. So that fee is 1.65% per annum. It is Yes. calculated and deducted out of your super on a smaller monthly basis. And the idea of that as a percentage based fee is it fluctuates with the market.","start_word":4223,"end_word":4386,"sentiment":"neutral","sentiment_score":0.07087807357311249},{"text":"So when the market's doing really well, when you're getting really good returns, it does mean that we earn a bit more.","start_word":4387,"end_word":4408,"sentiment":"positive","sentiment_score":0.35389208793640137},{"text":"However, if the market was to take a bit of a dip due to the market fluctuations or what we are seeing, it means that our our fee does go down with it. So having a percentage based fee does mean it is linked to the performance of your super there as well, which is a matter of it. But part of that is making sure that we're updating the advice for you. So there's no Yep. Absolutely. Yeah. You guys gotta get paid too. That's Yeah. Yeah. But we shouldn't be earning the same amount regardless of what's happening to your super. I know yeah. there are advisers that do, like I said, dollar figure fee, and that means that they're making the same amount every year or every month regardless of what your super is doing. So Savvy and Bart, when they set up, oh, you were all about the client and making sure that we're earning money, but we don't wanna be earning the same amount every month regardless of what your portfolio is doing. It's kind of making sure that things are working, and we know that markets go up and down. We expect those most market fluctuations. And so when the market is taking a dip, we our fee should take a bit of a dip with it as well. So that's why the the fee structure was set up that way. Okay. Yeah. Yeah.","start_word":4409,"end_word":4648,"sentiment":"neutral","sentiment_score":-0.011779769323766232},{"text":"Perfect.","start_word":4649,"end_word":4649,"sentiment":"positive","sentiment_score":0.379910409450531},{"text":"We did kinda touched on just before as well with the insurances. Now they have been sort of set up and left in care so far, and you've got the life and TPD component there. You don't have any income protection or trauma cover. I know given, you know, you before you were prediabetic when you came on board originally and just with your height and weight and your circumstances health wise, it was gonna be very expensive and difficult to get no cover. If in the event that you were not able to go to work, do you have much sick leave, annual leave, or long service leave, or savings to sort of fall back on? How would you sort of cover your expenditure? Oh, good.","start_word":4650,"end_word":4776,"sentiment":"neutral","sentiment_score":-0.08215781301259995},{"text":"I mean, we're on a pretty good weekend.","start_word":4777,"end_word":4784,"sentiment":"positive","sentiment_score":0.49788278341293335},{"text":"My wife and I say, I mean, I'll be right for a while. Yep. I've Yep. got assets Okay. I can sell. I've also got a a property that my family home that I've Okay. I've got part shares in. So Okay.","start_word":4785,"end_word":4826,"sentiment":"neutral","sentiment_score":0.10318468511104584},{"text":"if that was Perfect. able to sell as well, I've got a nice lump Oh, lovely.","start_word":4827,"end_word":4842,"sentiment":"positive","sentiment_score":0.40193960070610046},{"text":"So it's a family home. Is that owned with your siblings? Or somewhere. Siblings and dad. okay.","start_word":4843,"end_word":4859,"sentiment":"neutral","sentiment_score":0.11024688184261322},{"text":"Perfect.","start_word":4860,"end_word":4860,"sentiment":"positive","sentiment_score":0.33562642335891724},{"text":"And what portion of it is yours? So I've got a six, but, yeah, dad's 84 now. So, you know, he might live another five, six years, ten years, who knows, but, you Mhmm. know, Yeah. that will get given up also. So when he passes away, that'll probably get sold off and then divvied up between all of you? Yeah. Yeah. There's just three of Yep. us. Yep. The third. And sold later down the track.","start_word":4861,"end_word":4937,"sentiment":"neutral","sentiment_score":0.027391918003559113},{"text":"Lovely.","start_word":4938,"end_word":4938,"sentiment":"positive","sentiment_score":0.368588387966156},{"text":"Oh, and do you get to see your dad very often? Yeah. Yeah. 80 Yeah. three is good. I Yeah. I I literally moved the street away from him. So Oh, that's it lovely. was always here. Yeah.","start_word":4939,"end_word":4976,"sentiment":"neutral","sentiment_score":0.10656378418207169},{"text":"Beautiful.","start_word":4977,"end_word":4977,"sentiment":"positive","sentiment_score":0.37831082940101624},{"text":"And it's in so it's owned in that. Is your dad owns a share of it as well? Yeah. So he he's he's got half and then us three have got a third of the other half. Yes. Yes. Perfect. Yeah. And then each earn a third of that.","start_word":4978,"end_word":5026,"sentiment":"neutral","sentiment_score":0.09494514018297195},{"text":"Perfect.","start_word":5027,"end_word":5027,"sentiment":"positive","sentiment_score":0.458609402179718},{"text":"I'll just make some notes here. And then when sold, you get a third each.","start_word":5028,"end_word":5042,"sentiment":"neutral","sentiment_score":0.26498517394065857},{"text":"I'm glad you get to spend some time with your dad.","start_word":5043,"end_word":5053,"sentiment":"positive","sentiment_score":0.6081425547599792},{"text":"Really important. I'm taking my kids Yeah. to ever see their great grandparents or great grandmother in a few weeks for Easter, and she's 86. So it's pretty Alright.","start_word":5054,"end_word":5082,"sentiment":"neutral","sentiment_score":0.16263867914676666},{"text":"cool.","start_word":5083,"end_word":5083,"sentiment":"positive","sentiment_score":0.3911296725273132},{"text":"Yeah. That's Yeah. fine. Yeah.","start_word":5084,"end_word":5088,"sentiment":"neutral","sentiment_score":0.2573639154434204},{"text":"It's important to have those memories. Definitely. Yeah. Beautiful.","start_word":5089,"end_word":5097,"sentiment":"positive","sentiment_score":0.4185449481010437},{"text":"Speaking about kids, I've got down here sorry, that you do have a child or a financial dependent at home. Do you have any kids at home? Yeah. Just for one daughter. Just the one daughter? Lovely. How old is she? She's four. Oh, beautiful age. Yeah. She's a little School she's next year? Yeah. Yeah. She's already in Yep. credit score, so I'm going to kindergarten. Yep. What?","start_word":5098,"end_word":5166,"sentiment":"neutral","sentiment_score":0.0384276919066906},{"text":"Oh, that is a beautiful age. That's fantastic.","start_word":5167,"end_word":5174,"sentiment":"positive","sentiment_score":0.6097518801689148},{"text":"And I've got down here that you are married as well. No changes there at all? No. Beautiful. And so I don't have your wife down here as your next of kin. Is it Bonnie? Yep. Lovely. Do you happen to know her contact phone number off by heart at Yes. all? Yeah. It's 0406 Yep. 547 Yep. 4 Four nine eight.","start_word":5175,"end_word":5236,"sentiment":"neutral","sentiment_score":0.043608538806438446},{"text":"Beautiful. Thank you for updating that. I do appreciate it.","start_word":5237,"end_word":5246,"sentiment":"positive","sentiment_score":0.5296335816383362},{"text":"And also having a look here, 98. it looks we don't have any beneficiaries on file for you. So if in the event that you were to pass away, is there any particular direction on what you're wanting to happen to your super and the life insurance that you do hold within CareSoup? Yeah. Just give them to Bonnie. You wanna alter Bonnie? Not a problem at all. It is really important that we have the beneficiaries completed. We're happy to prefill them and help you out prior to sending them to be signed. Are you comfortable with us filling it out with Bonnie's details? Yeah. Of course. Yeah. Lovely. And her name is spelled b o, n n, I e. Is that right? Correct. Beautiful. And surname I have for Bonnie is Carter? Yes. Lovely. Same address. That's all fine. Can I grab her date of birth as well if possible? The twenty second January Yep. '87. 1987. Beautiful. And I'll put down here she's spouse.","start_word":5247,"end_word":5413,"sentiment":"neutral","sentiment_score":0.06320331990718842},{"text":"Lovely. So we can certainly provide that assistance.","start_word":5414,"end_word":5421,"sentiment":"positive","sentiment_score":0.37952905893325806},{"text":"If you like, we can prefill those forms, then we can send the beneficiaries to you just to get you to sign and have them witnessed. If you send them back to us, we can make sure they're applied so that, like, if in the event something was to happen, it just makes the claim process much easier for Bonnie there as well. Okay? Yeah.","start_word":5422,"end_word":5486,"sentiment":"neutral","sentiment_score":0.2074413478374481},{"text":"Awesome. Beautiful.","start_word":5487,"end_word":5488,"sentiment":"positive","sentiment_score":0.6495219469070435},{"text":"I also have mentioned that he was too. It's really important if you can just let her know that we are your financial advisers, and just maybe have our contact phone number somewhere. We can send you, like, an updated fridge magnet or something just for that contact information. Yeah. So we hope nothing happens. But if in the event something was to happen, she could just call us, and we can certainly help with the with the process of going through the the claims details there to make life easier on her in that situation as well. Yeah. Okay? Awesome. Uh-huh. Yes.","start_word":5489,"end_word":5591,"sentiment":"neutral","sentiment_score":0.19090548157691956},{"text":"Beautiful. I think I've got most of everything here.","start_word":5592,"end_word":5600,"sentiment":"positive","sentiment_score":0.39376622438430786},{"text":"You're not making any salary sacrifice or additional contributions. It looks like the super is just what your employer is putting in at the moment. Yeah. Yeah. Beautiful. And, you know, sort of wanting to at the moment, you're maybe down the track. Is that right? Or Yeah. Yeah. When when money's a bit more flowing, I Easier. guess. Yeah. Absolutely. Not a problem at all. And do you have any other goals that you're sort of looking to achieve down the track No. there at all? I'm just really healthy and and happy. Yeah. Yep. Yep. Yep. Perfect. And you're happy with the life and TPD amounts that you have? You're not sort of wanting to go out there and try and get more expensive cover at all? You're sort of happy with the level of cover you have? Yeah. Yeah. We're Yep. we're pretty simple. Yeah. Pretty No. simple. That's okay.","start_word":5601,"end_word":5753,"sentiment":"neutral","sentiment_score":0.10809236764907836},{"text":"Happy go lucky. That's all good.","start_word":5754,"end_word":5759,"sentiment":"positive","sentiment_score":0.3768351674079895},{"text":"The other sort of insurance I do have to talk to you about, I'm not sure if anyone's explained what trauma cover is. Has anyone given you a diet or talked to you about trauma before? Yeah. Yeah. Yeah. It covers you for things like a heart attack, a stroke, certain neurological conditions. It Yep. is an out of pocket expense, and I you said money is a little bit tight with with everything going on there. Did you wanna look at trying to get anything out of pocket, or are you happy just to keep it as it is for the moment and we maybe assess it down the track? Yeah. I think just leave it Yep. for now. Yep. That's okay. Another really good idea is when's and another sort of thing I look at because we have insurances sort of protect us in the event that something happens, but there's always that that risk that we pay for those insurances on a regular basis, but that we never actually claim. And then we pay those premiums for nothing. So another sort of way to look at it is we can always build and try to build investments out of side of super down the track when you do have a bit of spare cash flow and maybe you wanna incorporate your wife into the conversation. We can always look at what you have available to you, maybe setting up investments in your own name outside of super and kind of building that as well.","start_word":5760,"end_word":6016,"sentiment":"neutral","sentiment_score":0.10014398220169143},{"text":"You're building wealth that you can access prior to you wanting to retire.","start_word":6017,"end_word":6029,"sentiment":"positive","sentiment_score":0.39291152358055115},{"text":"But it also means that you can be sort of closing that gap with regards to insurances down the track there as well.","start_word":6030,"end_word":6052,"sentiment":"neutral","sentiment_score":0.1921609044075012},{"text":"So feel free to kinda keep that in mind, and if it's something you would like to talk to me about, I'm more than happy to make that time, and we can, you know, look at what other things we can do.","start_word":6053,"end_word":6094,"sentiment":"positive","sentiment_score":0.34324753284454346},{"text":"Yeah. No. That sounds good. We'll do that. Yeah.","start_word":6095,"end_word":6103,"sentiment":"neutral","sentiment_score":0.19688090682029724},{"text":"Perfect. Perfect.","start_word":6104,"end_word":6105,"sentiment":"positive","sentiment_score":0.4904237985610962},{"text":"I just wanted to double check also just with the any changes to your house. Do you know what your height and weight roughly is at the moment? The height's probably the same unless I've shrunk. So one seventy Yep. eight, not where about. Yep. Yep. And last time I weighed was ninety six. Ninety six.","start_word":6106,"end_word":6161,"sentiment":"neutral","sentiment_score":0.016362689435482025},{"text":"Beautiful.","start_word":6162,"end_word":6162,"sentiment":"positive","sentiment_score":0.4898613691329956},{"text":"So I've lost a ton of weight. Yeah. You have. Definitely. Because I mentioned before that you when you came on board, you know, you're pre diabetic. But, realistically, have you been able to reverse that with the changes you've got there? Well, I'm due for blood tests Mhmm. probably May. Okay. And yes. I mean, last blood test was straight after Christmas, so you can imagine Yeah.","start_word":6163,"end_word":6230,"sentiment":"neutral","sentiment_score":0.07442269093521378},{"text":"that everything was a That's bit out the worst of whack. time to see a doctor.","start_word":6231,"end_word":6246,"sentiment":"negative","sentiment_score":-0.5216814875602722},{"text":"Yeah. Yeah. Yeah. But you said, look, everything seems to be tracking pretty well.","start_word":6247,"end_word":6260,"sentiment":"neutral","sentiment_score":0.08855169266462326},{"text":"Everything's Perfect.","start_word":6261,"end_word":6262,"sentiment":"positive","sentiment_score":0.36903226375579834},{"text":"on a steady decline.","start_word":6263,"end_word":6266,"sentiment":"neutral","sentiment_score":0.03164683282375336},{"text":"My my blood pressure's good I love now.","start_word":6267,"end_word":6274,"sentiment":"positive","sentiment_score":0.3631163537502289},{"text":"that. Yeah. Yep. Yes. Her blood pressure, Yeah. cholesterol is down. No. Everything's gone down. It's just at the time, you know, I've had a lot of Christmas pudding, I guess. That's okay.","start_word":6275,"end_word":6307,"sentiment":"neutral","sentiment_score":0.03676342219114304},{"text":"That's alright. You gotta enjoy those as well.","start_word":6308,"end_word":6315,"sentiment":"positive","sentiment_score":0.5005509257316589},{"text":"It's, you know, Christmas is an important important time to engorge yourself on food. I did the exact same thing. I probably drank too much too in all honesty. So it was probably good we closed for two weeks because I needed that to recover. But, no, I've just sort of had a look. So with your height and weight, your BMI is around about thirty point zero three. So when insurances or when insurers look at whether they're willing to offer cover to a client, Obviously, your health goes into play there as well, but the other Yeah. factor is your BMI. It's your body mass index, and it's a combination of your height and weight. The higher your BMI, the more pressure there is on your heart, so the more risky become for an insurance company. But with your BMI at the moment, whilst there could be a bit of a loading applied, if you did down the track wanna look at maybe getting new insurance cover, I would absolutely be able to look at that for you to see what might be on offer. It could be a little bit more expensive than what you have at the moment, but insurance cover could be offered. Absolutely, I dare say there'd be a contract offered, and there might just be an exclusion or a loading depending on what else might be in your health history to look at there. Okay? Yeah. Sure. Yeah. If they do come out and say, hey. You do have diabetes, type two diabetes, it's harder to get insurance for. Generally, they Yep. want to, if you're a diabetic, to have been diagnosed a few years ago just because the longer you've had it for, but the more controlled it is, the better the contract can be offered. Anyone with prediabetes, I've I've still seen contracts offered. It's more just wanting to find out more about your health, get updated blood results, and blood pressure, and things like that. And then sometimes there's a bit of a loading on there. It can be about 50 to a 100% depending on other factors, Yep. but it does often mean that that an insurance contract can still be covered with the cover you have with CareSoup at the moment, because it is more or less it's not like a retail fund where they've done the application at the beginning. It's more of a group cover. So you sort of pulled in and and added to a larger pool of risk. You sort of lumped in there with lots of other people. Some people don't have loading. Some might be scheduled for loading, but they spread that risk level across all of the members there. And they tend to underwrite the policy at the time of claim. But because you've had that policy enforced for longer, any changes don't seem to make much of a difference, and it can be easier to claim on those sorts of policies as not normally loading to exclusions that needs to be applied to them. So retaining that cover for now is is plenty fine. But if down the track, if you wanna talk to me more about insurance and kinda get an idea for what you might be able to get, I'm more than happy to do so for you. Yeah. Okay?","start_word":6316,"end_word":6877,"sentiment":"neutral","sentiment_score":0.010554802733277935},{"text":"Awesome. Yeah. Thank you very much. That's okay. I just wanted to make sure I'm giving you a bit of information, kinda giving you some updated on what we sort of see and where we can kinda go. But, you know, you're doing really, really well and keep it up.","start_word":6878,"end_word":6927,"sentiment":"positive","sentiment_score":0.5069728493690491},{"text":"Because at the end of the day, it's not about the insurances. It's more important for you to be around for your kids. So Yeah. yeah. That's it. Yeah. Yeah. And are you finding you're feeling a lot better? Oh, yeah. Yeah. Yeah?","start_word":6928,"end_word":6970,"sentiment":"neutral","sentiment_score":0.18114879311517224},{"text":"Beautiful. Right. We're regular do regular exercise together as a family, so that's I cool. love that. That's Yeah. beautiful. Oh, that's really fantastic. Good to hear.","start_word":6971,"end_word":6997,"sentiment":"positive","sentiment_score":0.670566737651825},{"text":"And you go due to go back to the doctors again soon.","start_word":6998,"end_word":7009,"sentiment":"neutral","sentiment_score":0.33067190647125244},{"text":"Hopefully, they've got some more really great results there for you.","start_word":7010,"end_word":7020,"sentiment":"positive","sentiment_score":0.4617137312889099},{"text":"Yeah. That'd be good. Yeah.","start_word":7021,"end_word":7025,"sentiment":"neutral","sentiment_score":0.29600995779037476},{"text":"Perfect.","start_word":7026,"end_word":7026,"sentiment":"positive","sentiment_score":0.4252473711967468},{"text":"The other thing here is looking at the estate planning side of things as well. Have you done up a will, had a power of attorney? Have you and your wife sort of spoken about doing those in the past? It's on the list. Yeah. That's okay. As part of updating the advice, I will recommend speaking to a solicitor and having a will and power of attorney done up. It is really important that those things do get done whilst your beneficiary nominations look after your super and your life insurances. Everything outside of super that you've worked is just hard for us, your tools, your cars, your contents, your savings accounts, and your house as well in the event something was to happen to you and or and your wife that you have it directed correctly. But the other thing to consider is a guardianship as well because you do have your young precious daughter there. And if anything happens to both of you, you wanna make sure that you've decided where what happens to her, who looks after her, and making sure everything is in place to make sure she's looked after moving forward as well. So there is a few few really important aspects that to consider, and I'll put that into the advice document to help reflect for you if you like. Yes, Okay. please. Yeah. Beautiful. Other than that sorry. I'm just looking. There's sort of nothing else to check on. Everything's kind of all okay. You've got a lovely 8% return. Things are working really well with your super, but I'll go back and reevaluate things. I can work on an age 65 to retirement. That way, you get the option to work longer if you wanted to. I'm by no means gonna tell you you have to retire at that point, but it gives you the option to if you decide you don't wanna work any longer. Yeah. No. I want to, I guess. We Okay? have to. I mean, Mhmm. if we won lotto, we'd all be out tomorrow. Oh, a 100%. Yes. I can also look at retaining just the life and TPD you have at the moment. We'll scope out the income protection and the trauma, but we can always look at that down the track if you're comfortable to do so. Yeah. Just wanted to update as well, if it's okay. Your wife, does she you said that she works and she's earning good money as well. What is she averaging? Do you know what her income normally look Oh, $1.07. like? Okay. $1.70? Yeah.","start_word":7027,"end_word":7463,"sentiment":"neutral","sentiment_score":0.058839570824696215},{"text":"Perfect. So she's on a very good income. That's excellent.","start_word":7464,"end_word":7473,"sentiment":"positive","sentiment_score":0.5869872570037842},{"text":"So about 170,000 per year.","start_word":7474,"end_word":7478,"sentiment":"neutral","sentiment_score":0.32151949405670166},{"text":"Lovely.","start_word":7479,"end_word":7479,"sentiment":"positive","sentiment_score":0.39173364639282227},{"text":"Lovely. What does she do for work? Just public service. Yep.","start_word":7480,"end_word":7490,"sentiment":"neutral","sentiment_score":0.13856807351112366},{"text":"Perfect. Excellent. Lovely.","start_word":7491,"end_word":7493,"sentiment":"positive","sentiment_score":0.4630292356014252},{"text":"No. Well, that's really good. So, I mean, if anything happens given your income is obviously less than hers, if you weren't working, she'd still be okay for covering the bills and helping out a Yeah. bit. That would sort of yeah.","start_word":7494,"end_word":7535,"sentiment":"neutral","sentiment_score":0.08962934464216232},{"text":"Perfect. Perfect. Lovely.","start_word":7536,"end_word":7538,"sentiment":"positive","sentiment_score":0.4625353515148163},{"text":"Well, have I sort of touched on everything that you were sort of after? Is there anything else that you wanted me to to ask me or for me to touch on while you've got me here at all? No. No. Everything is No? tipped. I think all the boxes are tipped Oh, fantastic. or or has it done.","start_word":7539,"end_word":7597,"sentiment":"neutral","sentiment_score":0.06883673369884491},{"text":"So Lovely.","start_word":7598,"end_word":7599,"sentiment":"positive","sentiment_score":0.35984358191490173},{"text":"Well, I'll go back and do some research there for you, Steven. If there is anything additional that we do need, I'll make sure we contact you. Oh, actually, I do apologize. I almost forgot. My beautiful admin team let me know that your ID has expired on file. If we send you a text message shortly, are you able just to reply back to that with the back and front of your photo ID just so we keep our records to date? Yeah. Definitely.","start_word":7600,"end_word":7684,"sentiment":"neutral","sentiment_score":0.06444851186345606},{"text":"Perfect. I'll get that text message done shortly for you. Awesome. Beautiful.","start_word":7685,"end_word":7696,"sentiment":"positive","sentiment_score":0.4151338934898377},{"text":"And how are you performing our services at the moment? Yeah.","start_word":7697,"end_word":7707,"sentiment":"neutral","sentiment_score":0.20560890436172485},{"text":"Great. Great. Yep. Excellent communication. And You know, like, you you're doing oh, fantastic. the the right job. So I'm Thank glad I I switched over. you. Oh, fantastic.","start_word":7708,"end_word":7736,"sentiment":"positive","sentiment_score":0.5448338389396667},{"text":"Well, one of the other thing that we'll probably ask and one of the things that's really important to us is, as a business, we are growing and word-of-mouth is really important. So, if it's okay, my admin team will also just pop down and send you a link to the Google review if you're able to and would like to. If you can pop just a review on our website there. It doesn't matter what it is. It can be one word. It can just be a five star review or, you know, however Yeah. stars you're comfortable with. It's just really important to keep that keep that sort of growing if that would be okay with you. Would that be alright if we sent that to you as well? Of course. Yep.","start_word":7737,"end_word":7870,"sentiment":"neutral","sentiment_score":0.10076753050088882},{"text":"Beautiful. Thank you so much, Steven.","start_word":7871,"end_word":7876,"sentiment":"positive","sentiment_score":0.4386821687221527},{"text":"Now I'll get cracking on this research. I'll get those texts sent out to you shortly. It'll come from my beautiful admin team member, Michelle. She'll also send out your annual review pack in the next twenty four hours for you as well. But if you need anything, you're welcome to let me know. My name is Dana. I'll be doing your research and all the advice moving forward to help you as we Your work chance? towards your goals there. In the annual review pack in case we haven't spoken before, we'll also be our finance services guide. And in that, it's got all the information on me, who I am. It's got a lovely photo of me as well, a bit glossy and and all done up. So you're welcome to run your eyes over that. And my registration number with ASIC is in there as well, which is one three zero four three nine four. So you can get a bit more information on who I am as an adviser. And if you find you have any questions at any time, you're welcome to let me know. Okay? Unreal.","start_word":7877,"end_word":8068,"sentiment":"neutral","sentiment_score":0.17857137601822615},{"text":"That's awesome. Beautiful.","start_word":8069,"end_word":8071,"sentiment":"positive","sentiment_score":0.6585405468940735},{"text":"If Thank you could you check so one of much. your fridge maintenance in as Yeah. well, that'd be good.","start_word":8072,"end_word":8091,"sentiment":"neutral","sentiment_score":0.20483039319515228},{"text":"Absolutely.","start_word":8092,"end_word":8092,"sentiment":"positive","sentiment_score":0.4109252095222473},{"text":"Most definitely. I'll get that Yeah. sorted.","start_word":8093,"end_word":8099,"sentiment":"neutral","sentiment_score":0.23338137567043304},{"text":"Thank you so much for your time today. I'll let you go to enjoy your dinner, but thank you for Thank your you. time. I really appreciate it. Thank you. Thanks for everything as well. No worries. Thanks, David. Talk to you soon. Take care.","start_word":8100,"end_word":8144,"sentiment":"positive","sentiment_score":0.5909525752067566},{"text":"Bye bye.","start_word":8145,"end_word":8146,"sentiment":"neutral","sentiment_score":0.23706208169460297},{"text":"Thanks.","start_word":8147,"end_word":8147,"sentiment":"positive","sentiment_score":0.520201563835144},{"text":"Bye.","start_word":8148,"end_word":8148,"sentiment":"neutral","sentiment_score":0.3062858283519745}],"average":{"sentiment":"neutral","sentiment_score":0.09733502219299978}}}}