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Could tell. Mate, I've just got you in for an annual review. Do you have some time for me this month? Beautiful. Now before I get started, I just wanted to go through a quick security check with you. As always, calls are recorded for training and quality purposes. Do you mind passing on your date of birth and address? Perfect. Thank you so much for that. And I'm registered with ATHIC as adviser 1273105. Now, mate, I've gone through a bit of a a review of your superannuation this morning before the call, and I've just got some details I wanted to update on your back line together. Is there anything in particular you're hoping to get out of this year's review? Yeah. Right. Okay. Alright. Now was that the name of that one? Was that raised by any chance or a different one? Right. Okay. Cool. So what I can do is we'll get a authority out just to get the research on that account, and I can get that sorted for you. So raise I'll get a third party authority sent to you for that one. Cool. So in terms of other details, you did have the address update as well. So I can see the team's gone ahead and applied fixed rated circuit to all the accounts there, which is great. Now just to double check, is that the port? Sorry. That primary place of residence that we had listed, we had you owning that one, and it was valued at about 780,000 with 600 owing. I just wanted to double check if that was the previous property. Yep. I've got a bit of an online estimate that's saying it could be around 900,000. That's just on property.com. Does that sound reasonable? Oh, And do you know roughly how much might be owing left on that? Yep. Sensational. Last couple of questions on the assets and liabilities. We had vehicles worth about 46,000 and about 40,000 worth of collectibles. That was all we had listed for, assets and liabilities. Does that sound about right? Yep. That's no problem. That's alright. I can do a conversion calculation online. 38,000 US looks like just shy of about 54,000 Australian. Yep. Yeah. It's not home and contents or anything like that. Just the collectibles. Beautiful. Alright. Any other no loans or anything that we don't know about? Perfect. And just in terms of employment and so on, there was, I believe, previous work cover claim, and you were saying that there was some contributions going to raise there. I just wanted to update what you're currently doing in terms of occupation, title, and income. Yep. Okay. Alright. So no income there. And then you're just kind of living off savings at the moment, so how's that been going? Yep. No worries. And then just in terms of family, we do have Emma and two children with, like, a will in place and everything like that. Three. Fantastic. Congratulations. I've just had my third as well. So if I'm a little bit groggy on the phone, then you'll know why. Alright. That's all updated. Thank you so much for that, mate. Outside of that, any other kind of main focuses for you for the next couple of years? Yeah. Obama. Oh, yep. Those can't be very fun. Alright. So I've got that updated there. When it comes to the insurance one, I know you're just saying the insurance has bumped up to that 1.4 mil. There's a bit of a funeral and accident cover on there as well. Are you guys just keeping that one in place for the time being and changes needed? Yep. Perfect. Alrighty. So when it comes to the superannuation, quick little bit of a review step back here. So you're in a high growth portfolio in the super. So we're aiming for a bit over 90% in growth assets, and that's like your shares, property, goals, the kind of high risk, high return, and a small portion in the safer side of things, aim there is to consistently get those high high long term returns of about 10% or above is kind of your benchmark. Now in the good years, high growth tends to go up ten, twenty, 30%. Once every seven years, there's some kind of COVID or GFC and the market crashes 30% or so, and we basically wanna get that good double digit average over 10 at a time. Does that make sense? Cool. Having looked at the account, it's actually done surprisingly well, to be perfectly honest. We went from a 164,000. There was a bit of a drop in March with the Iran war down to a 159, and then it just shot back up to a 180 flat. So it's actually cleared 10% after fees. Now when I'm looking at the individual options themselves, so good return, consistent with what we're aiming for, that's perfect. There was one option, the Benelon option. Your Australian shares have kind of been dragging its feet a little bit. Every other option has kind of done pretty well. You've got some battery tech and lithium there, which is electric vehicle, and that has shot up 47%. Gold had shot up quite a bit too. Cybersecurity, your other Australian shares, the only sort of slow ones with the Chinese shares and a bit of property. What I'm thinking of doing is when we get the research back to Ray and do the reconsolidation, I will be sending you a bit of an updated strategy just showing the figures and differences so you've got that there for your records before we can touch anything, and just make sure you're comfortable to sign off on that before moving it. While I'm at it, I'm thinking I might just update that one investment option that's been dragging its feet just to kind of engine tune up the portfolio a little bit if you're okay for that. Cool. And I have been keeping my eye on different options in that space. So I have noticed this on a few people's account. We're looking at a few lower fee options, which are a bit more, I guess, passively managed, where it's more of an index fund approach. They follow the LG market a lot closer, a bit more consistent in return, and a lot lower investment fees. Would you be okay for me to consider a bit of a change from that active fund that you've got to a bit more of a lower fee option? So might just help as well, like, while you're waiting for, like, work to sort itself out just to kind of minimize investment fee, help the fund grow rather than get eroded away by fees. Cool. So we'll get the research for that. I'll do an updated comparison, judge up the portfolio a little bit, and get that through to you. I am off next week, but they'll be doing the research during that week, and then I'll get you booked in to run through that plan with me. Sure. Just in terms of the sort of longer term goal, were we looking for a bit of an earlier retirement towards age 60 when you can access your super, or are you the kind of guy that says, oh, look. I always want something to do. I'll go a bit more slow and steady until 67 and the age pension. Yeah. So at this point, we'll just do a bit of an optimization. We won't focus too much on the time that's been twenty one years or more away, and we'll just try and get you in a better position over the next five to ten. Perfect. And they're still listed as your beneficiary for the super, so all the estate planning looks pretty good. And, again, while work is in flux, we can't really look at anything in terms of, like, income protection insurance or anything like that. That would be kind of on hold until afterwards at the very least. Cool. Any questions on what we've talked about so far? Cool. Now I've got a little bit of a glitch going on in the system. I was trying to send through an annual review to you just with the performance reports and a few updated service documents for us. We have updated our fee structure just as of this week. So just to let you know, because you're sitting at a 180,000, we normally charge the the 1.65% spread throughout the year monthly. But when you go above 200,000, Sevvy and Bart have added a bit of a tiered fee structure. So what that means is 300 to 500,000, the percentage gets lower. 500,000 to a million, it gets lower again, and we just provide percentage discount for every tier after 200,000. Cool. So the documents that'll come through today, I'll send you a text when they do get through the system. Again, performance reports, service guides, The service agreement for this year will be the same as it was last year. And then at the next review, you should have crested over 200,000, and you'll start to get those discounts then as well. Cool. Any questions for me before I let you go back to your day? Easy done. If the team needs anything when it comes through the raise, again, I'll send you that third party authority. You may just need to put your your member number back on there while you sign it. And before we implement anything, we'll probably just get some updated ID if it hasn't signed previously. Awesome, mate. Thank you so much for your time today. I will probably talk to you in about a fortnight's time after all that's been compared and put together for you. And if you need anything in between, just give us a buzz. Awesome, Bevan. Have a great day, mate. Cheers. 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morning, Bevan. It's Tommy here, senior adviser from. How are you doing today? Right. Living the dream so far.\n\nIt's a beautiful day on the Gold Coast. What about your end? Could tell. Could tell. Mate, I've just got you in for an annual review.\n\nDo you have some time for me this month? Beautiful. Now before I get started, I just wanted to go through a quick security check with you. As always, calls are recorded for training and quality purposes. Do you mind passing on your date of birth and address?\n\nPerfect. Thank you so much for that. And I'm registered with ATHIC as adviser 1273105. Now, mate, I've gone through a bit of a a review of your superannuation this morning before the call, and I've just got some details I wanted to update on your back line together. Is there anything in particular you're hoping to get out of this year's review?\n\nYeah. Right. Okay. Alright. Now was that the name of that one?\n\nWas that raised by any chance or a different one? Right. Okay. Cool. So what I can do is we'll get a authority out just to get the research on that account, and I can get that sorted for you.\n\nSo raise I'll get a third party authority sent to you for that one. Cool. So in terms of other details, you did have the address update as well. So I can see the team's gone ahead and applied fixed rated circuit to all the accounts there, which is great. Now just to double check, is that the port?\n\nSorry. That primary place of residence that we had listed, we had you owning that one, and it was valued at about 780,000 with 600 owing. I just wanted to double check if that was the previous property. Yep. I've got a bit of an online estimate that's saying it could be around 900,000.\n\nThat's just on property.com. Does that sound reasonable? Oh, And do you know roughly how much might be owing left on that? Yep. Sensational.\n\nLast couple of questions on the assets and liabilities. We had vehicles worth about 46,000 and about 40,000 worth of collectibles. That was all we had listed for, assets and liabilities. Does that sound about right? Yep.\n\nThat's no problem. That's alright. I can do a conversion calculation online. 38,000 US looks like just shy of about 54,000 Australian. Yep.\n\nYeah. It's not home and contents or anything like that. Just the collectibles. Beautiful. Alright.\n\nAny other no loans or anything that we don't know about? Perfect. And just in terms of employment and so on, there was, I believe, previous work cover claim, and you were saying that there was some contributions going to raise there. I just wanted to update what you're currently doing in terms of occupation, title, and income. Yep.\n\nOkay. Alright. So no income there. And then you're just kind of living off savings at the moment, so how's that been going? Yep.\n\nNo worries. And then just in terms of family, we do have Emma and two children with, like, a will in place and everything like that. Three. Fantastic. Congratulations.\n\nI've just had my third as well. So if I'm a little bit groggy on the phone, then you'll know why. Alright. That's all updated. Thank you so much for that, mate.\n\nOutside of that, any other kind of main focuses for you for the next couple of years? Yeah. Obama. Oh, yep. Those can't be very fun.\n\nAlright. So I've got that updated there. When it comes to the insurance one, I know you're just saying the insurance has bumped up to that 1.4 mil. There's a bit of a funeral and accident cover on there as well. Are you guys just keeping that one in place for the time being and changes needed?\n\nYep. Perfect. Alrighty. So when it comes to the superannuation, quick little bit of a review step back here. So you're in a high growth portfolio in the super.\n\nSo we're aiming for a bit over 90% in growth assets, and that's like your shares, property, goals, the kind of high risk, high return, and a small portion in the safer side of things, aim there is to consistently get those high high long term returns of about 10% or above is kind of your benchmark. Now in the good years, high growth tends to go up ten, twenty, 30%. Once every seven years, there's some kind of COVID or GFC and the market crashes 30% or so, and we basically wanna get that good double digit average over 10 at a time. Does that make sense? Cool.\n\nHaving looked at the account, it's actually done surprisingly well, to be perfectly honest. We went from a 164,000. There was a bit of a drop in March with the Iran war down to a 159, and then it just shot back up to a 180 flat. So it's actually cleared 10% after fees. Now when I'm looking at the individual options themselves, so good return, consistent with what we're aiming for, that's perfect.\n\nThere was one option, the Benelon option. Your Australian shares have kind of been dragging its feet a little bit. Every other option has kind of done pretty well. You've got some battery tech and lithium there, which is electric vehicle, and that has shot up 47%. Gold had shot up quite a bit too.\n\nCybersecurity, your other Australian shares, the only sort of slow ones with the Chinese shares and a bit of property. What I'm thinking of doing is when we get the research back to Ray and do the reconsolidation, I will be sending you a bit of an updated strategy just showing the figures and differences so you've got that there for your records before we can touch anything, and just make sure you're comfortable to sign off on that before moving it. While I'm at it, I'm thinking I might just update that one investment option that's been dragging its feet just to kind of engine tune up the portfolio a little bit if you're okay for that. Cool. And I have been keeping my eye on different options in that space.\n\nSo I have noticed this on a few people's account. We're looking at a few lower fee options, which are a bit more, I guess, passively managed, where it's more of an index fund approach. They follow the LG market a lot closer, a bit more consistent in return, and a lot lower investment fees. Would you be okay for me to consider a bit of a change from that active fund that you've got to a bit more of a lower fee option? So might just help as well, like, while you're waiting for, like, work to sort itself out just to kind of minimize investment fee, help the fund grow rather than get eroded away by fees.\n\nCool. So we'll get the research for that. I'll do an updated comparison, judge up the portfolio a little bit, and get that through to you. I am off next week, but they'll be doing the research during that week, and then I'll get you booked in to run through that plan with me. Sure.\n\nJust in terms of the sort of longer term goal, were we looking for a bit of an earlier retirement towards age 60 when you can access your super, or are you the kind of guy that says, oh, look. I always want something to do. I'll go a bit more slow and steady until 67 and the age pension. Yeah. So at this point, we'll just do a bit of an optimization.\n\nWe won't focus too much on the time that's been twenty one years or more away, and we'll just try and get you in a better position over the next five to ten. Perfect. And they're still listed as your beneficiary for the super, so all the estate planning looks pretty good. And, again, while work is in flux, we can't really look at anything in terms of, like, income protection insurance or anything like that. That would be kind of on hold until afterwards at the very least.\n\nCool. Any questions on what we've talked about so far? Cool. Now I've got a little bit of a glitch going on in the system. I was trying to send through an annual review to you just with the performance reports and a few updated service documents for us.\n\nWe have updated our fee structure just as of this week. So just to let you know, because you're sitting at a 180,000, we normally charge the the 1.65% spread throughout the year monthly. But when you go above 200,000, Sevvy and Bart have added a bit of a tiered fee structure. So what that means is 300 to 500,000, the percentage gets lower. 500,000 to a million, it gets lower again, and we just provide percentage discount for every tier after 200,000.\n\nCool. So the documents that'll come through today, I'll send you a text when they do get through the system. Again, performance reports, service guides, The service agreement for this year will be the same as it was last year. And then at the next review, you should have crested over 200,000, and you'll start to get those discounts then as well. Cool.\n\nAny questions for me before I let you go back to your day? Easy done. If the team needs anything when it comes through the raise, again, I'll send you that third party authority. You may just need to put your your member number back on there while you sign it. And before we implement anything, we'll probably just get some updated ID if it hasn't signed previously.\n\nAwesome, mate. Thank you so much for your time today. I will probably talk to you in about a fortnight's time after all that's been compared and put together for you. And if you need anything in between, just give us a buzz. Awesome, Bevan.\n\nHave a great day, mate. Cheers. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Bevan.","start":2.1599998,"end":3.04,"sentiment":"positive","sentiment_score":0.37169278661410016},{"text":"It's Tommy here, senior adviser from.","start":3.04,"end":5.04,"sentiment":"neutral","sentiment_score":0.26007396231095},{"text":"How are you doing today?","start":5.04,"end":6.1,"sentiment":"neutral","sentiment_score":0.2478949546813965},{"text":"Right.","start":7.8399997,"end":8.16,"sentiment":"positive","sentiment_score":0.4114241302013397},{"text":"Living the dream so far.","start":8.16,"end":9.28,"sentiment":"positive","sentiment_score":0.5841842770576477}],"sentiment":"positive","sentiment_score":0.36236712113022806,"num_words":20,"start":2.1599998,"end":9.28},{"sentences":[{"text":"It's a beautiful day on the Gold Coast.","start":9.28,"end":10.719999,"sentiment":"positive","sentiment_score":0.7324445024132729},{"text":"What about your end?","start":10.719999,"end":11.78,"sentiment":"neutral","sentiment_score":0.15633374825119972},{"text":"Could tell.","start":14.4,"end":14.96,"sentiment":"neutral","sentiment_score":0.0593038946390152},{"text":"Could tell.","start":14.96,"end":15.615,"sentiment":"neutral","sentiment_score":0.05534587427973747},{"text":"Mate, I've just got you in for an annual review.","start":16.255,"end":18.494999,"sentiment":"neutral","sentiment_score":0.06191498711705208}],"sentiment":"neutral","sentiment_score":0.2820515546661157,"num_words":26,"start":9.28,"end":18.494999},{"sentences":[{"text":"Do you have some time for me this month?","start":18.494999,"end":20.275,"sentiment":"neutral","sentiment_score":0.032351400496231184},{"text":"Beautiful.","start":22.015,"end":22.515,"sentiment":"positive","sentiment_score":0.4301678240299225},{"text":"Now before I get started, I just wanted to go through a quick security check with you.","start":23.135,"end":27.474998,"sentiment":"neutral","sentiment_score":0.082535930635298},{"text":"As always, calls are recorded for training and quality purposes.","start":27.695,"end":31.03,"sentiment":"neutral","sentiment_score":0.04980314150452614},{"text":"Do you mind passing on your date of birth and address?","start":31.57,"end":34.47,"sentiment":"neutral","sentiment_score":0.013997698456726292}],"sentiment":"neutral","sentiment_score":0.05784265307011083,"num_words":48,"start":18.494999,"end":34.47},{"sentences":[{"text":"Perfect.","start":41.185,"end":41.425003,"sentiment":"positive","sentiment_score":0.4769554138183594},{"text":"Thank you so much for that.","start":41.425003,"end":42.545002,"sentiment":"positive","sentiment_score":0.6306765377521515},{"text":"And I'm registered with ATHIC as adviser 1273105.","start":42.545002,"end":47.125,"sentiment":"neutral","sentiment_score":0.25467274710536003},{"text":"Now, mate, I've gone through a bit of a a review of your superannuation this morning before the call, and I've just got some details I wanted to update on your back line together.","start":47.265,"end":57.78,"sentiment":"neutral","sentiment_score":0.0716701793100904},{"text":"Is there anything in particular you're hoping to get out of this year's review?","start":58.48,"end":61.7,"sentiment":"neutral","sentiment_score":-0.009301425797665226}],"sentiment":"neutral","sentiment_score":0.13658671035793507,"num_words":63,"start":41.185,"end":61.7},{"sentences":[{"text":"Yeah.","start":82.450005,"end":82.770004,"sentiment":"neutral","sentiment_score":-0.08317087590694427},{"text":"Right.","start":82.770004,"end":83.270004,"sentiment":"neutral","sentiment_score":-0.033680275082588196},{"text":"Okay.","start":84.37,"end":84.87,"sentiment":"neutral","sentiment_score":-0.032410625368356705},{"text":"Alright.","start":87.33,"end":87.81,"sentiment":"neutral","sentiment_score":-0.005739464890211821},{"text":"Now was that the name of that one?","start":87.81,"end":90.770004,"sentiment":"neutral","sentiment_score":-0.012676520273089409}],"sentiment":"neutral","sentiment_score":-0.021367783619401354,"num_words":12,"start":82.450005,"end":90.770004},{"sentences":[{"text":"Was that raised by any chance or a different one?","start":90.770004,"end":93.270004,"sentiment":"neutral","sentiment_score":-0.024132451228797435},{"text":"Right.","start":95.17,"end":95.57,"sentiment":"neutral","sentiment_score":0.0264037661254406},{"text":"Okay.","start":95.57,"end":95.89,"sentiment":"neutral","sentiment_score":0.0726465955376625},{"text":"Cool.","start":95.89,"end":96.29,"sentiment":"neutral","sentiment_score":0.1201651617884636},{"text":"So what I can do is we'll get a authority out just to get the research on that account, and I can get that sorted for you.","start":96.29,"end":104.935,"sentiment":"neutral","sentiment_score":0.1329242264231046}],"sentiment":"neutral","sentiment_score":0.08917112811468542,"num_words":40,"start":90.770004,"end":104.935},{"sentences":[{"text":"So raise I'll get a third party authority sent to you for that one.","start":105.315,"end":110.055,"sentiment":"neutral","sentiment_score":0.10157820795263563},{"text":"Cool.","start":112.72,"end":112.96,"sentiment":"neutral","sentiment_score":0.24368004500865936},{"text":"So in terms of other details, you did have the address update as well.","start":112.96,"end":119.22,"sentiment":"neutral","sentiment_score":0.17919799472604478},{"text":"So I can see the team's gone ahead and applied fixed rated circuit to all the accounts there, which is great.","start":119.439995,"end":126.82,"sentiment":"neutral","sentiment_score":0.24210160899729954},{"text":"Now just to double check, is that the port?","start":128.425,"end":131.785,"sentiment":"neutral","sentiment_score":0.04846120822346873}],"sentiment":"neutral","sentiment_score":0.16431917873668975,"num_words":59,"start":105.315,"end":131.785},{"sentences":[{"text":"Sorry.","start":131.785,"end":132.285,"sentiment":"neutral","sentiment_score":-0.01215522550046444},{"text":"That primary place of residence that we had listed, we had you owning that one, and it was valued at about 780,000 with 600 owing.","start":134.185,"end":145.02,"sentiment":"neutral","sentiment_score":0.014766272101551294},{"text":"I just wanted to double check if that was the previous property.","start":145.08,"end":148.94,"sentiment":"neutral","sentiment_score":-0.030126322371264298},{"text":"Yep.","start":154.76001,"end":155.085,"sentiment":"neutral","sentiment_score":0.020975451916456223},{"text":"I've got a bit of an online estimate that's saying it could be around 900,000.","start":172.14,"end":176.8,"sentiment":"neutral","sentiment_score":0.011203665068993967}],"sentiment":"neutral","sentiment_score":0.0034169654913798527,"num_words":54,"start":131.785,"end":176.8},{"sentences":[{"text":"That's just on property.com.","start":177.02,"end":178.54001,"sentiment":"neutral","sentiment_score":0.02028305782005191},{"text":"Does that sound reasonable?","start":178.54001,"end":179.76001,"sentiment":"neutral","sentiment_score":0.04563829954713583},{"text":"Oh, And do you know roughly how much might be owing left on that?","start":194.145,"end":198.18001,"sentiment":"neutral","sentiment_score":-0.013787470691438233},{"text":"Yep.","start":203.04001,"end":203.54001,"sentiment":"neutral","sentiment_score":0.011480189859867096},{"text":"Sensational.","start":203.92,"end":204.42,"sentiment":"neutral","sentiment_score":-0.006116991396993399}],"sentiment":"neutral","sentiment_score":0.003167668260478725,"num_words":24,"start":177.02,"end":204.42},{"sentences":[{"text":"Last couple of questions on the assets and liabilities.","start":205.76001,"end":208.18001,"sentiment":"neutral","sentiment_score":-0.028759289946821},{"text":"We had vehicles worth about 46,000 and about 40,000 worth of collectibles.","start":208.40001,"end":214.435,"sentiment":"neutral","sentiment_score":-0.010474960009256998},{"text":"That was all we had listed for, assets and liabilities.","start":214.89499,"end":217.795,"sentiment":"neutral","sentiment_score":-0.013509455695748329},{"text":"Does that sound about right?","start":217.855,"end":219.23499,"sentiment":"neutral","sentiment_score":0.0018696058541536331},{"text":"Yep.","start":233.71,"end":234.165,"sentiment":"neutral","sentiment_score":0.03001477383077145}],"sentiment":"neutral","sentiment_score":-0.012980131986173423,"num_words":37,"start":205.76001,"end":234.165},{"sentences":[{"text":"That's no problem.","start":247.605,"end":248.9,"sentiment":"neutral","sentiment_score":0.09864036490519841},{"text":"That's alright.","start":256.63998,"end":257.2,"sentiment":"neutral","sentiment_score":0.10250449180603027},{"text":"I can do a conversion calculation online.","start":257.2,"end":260.34,"sentiment":"neutral","sentiment_score":0.12466908991336823},{"text":"38,000 US looks like just shy of about 54,000 Australian.","start":263.385,"end":268.20502,"sentiment":"neutral","sentiment_score":0.06313577890396119},{"text":"Yep.","start":272.665,"end":273.09,"sentiment":"neutral","sentiment_score":0.023960884660482407}],"sentiment":"neutral","sentiment_score":0.08821445136614468,"num_words":23,"start":247.605,"end":273.09},{"sentences":[{"text":"Yeah.","start":275.49,"end":275.73,"sentiment":"neutral","sentiment_score":0.02044279128313065},{"text":"It's not home and contents or anything like that.","start":275.73,"end":277.65,"sentiment":"neutral","sentiment_score":-0.02375694162522753},{"text":"Just the collectibles.","start":277.65,"end":278.55,"sentiment":"neutral","sentiment_score":0.13156289358933768},{"text":"Beautiful.","start":281.65,"end":282.15,"sentiment":"positive","sentiment_score":0.5780524015426636},{"text":"Alright.","start":283.41,"end":283.91,"sentiment":"neutral","sentiment_score":0.24628600478172305}],"sentiment":"neutral","sentiment_score":0.06837716024989883,"num_words":15,"start":275.49,"end":283.91},{"sentences":[{"text":"Any other no loans or anything that we don't know about?","start":284.21,"end":287.055,"sentiment":"neutral","sentiment_score":0.012266095939346335},{"text":"Perfect.","start":290.255,"end":290.755,"sentiment":"positive","sentiment_score":0.37182945013046265},{"text":"And just in terms of employment and so on, there was, I believe, previous work cover claim, and you were saying that there was some contributions going to raise there.","start":290.895,"end":300.115,"sentiment":"neutral","sentiment_score":0.050190148626764616},{"text":"I just wanted to update what you're currently doing in terms of occupation, title, and income.","start":300.175,"end":305.86002,"sentiment":"neutral","sentiment_score":0.076620789244771},{"text":"Yep.","start":314.0,"end":314.5,"sentiment":"neutral","sentiment_score":-0.06863515079021454}],"sentiment":"neutral","sentiment_score":0.05372471934563275,"num_words":59,"start":284.21,"end":314.5},{"sentences":[{"text":"Okay.","start":314.64,"end":315.14,"sentiment":"neutral","sentiment_score":-0.005285222083330154},{"text":"Alright.","start":318.755,"end":319.155,"sentiment":"neutral","sentiment_score":0.01657744310796261},{"text":"So no income there.","start":319.155,"end":320.035,"sentiment":"neutral","sentiment_score":-0.025936230551451445},{"text":"And then you're just kind of living off savings at the moment, so how's that been going?","start":320.035,"end":323.335,"sentiment":"neutral","sentiment_score":0.04351906697539722},{"text":"Yep.","start":326.835,"end":327.335,"sentiment":"neutral","sentiment_score":0.11508332192897797}],"sentiment":"neutral","sentiment_score":0.031768948305398226,"num_words":24,"start":314.64,"end":327.335},{"sentences":[{"text":"No worries.","start":327.475,"end":328.135,"sentiment":"neutral","sentiment_score":0.12434304505586624},{"text":"And then just in terms of family, we do have Emma and two children with, like, a will in place and everything like that.","start":329.83002,"end":337.19,"sentiment":"neutral","sentiment_score":0.09345121091852586},{"text":"Three.","start":337.19,"end":337.69,"sentiment":"neutral","sentiment_score":0.3086965084075928},{"text":"Fantastic.","start":338.07,"end":338.57,"sentiment":"positive","sentiment_score":0.7786960005760193},{"text":"Congratulations.","start":340.79,"end":341.29,"sentiment":"positive","sentiment_score":0.7590072154998779}],"sentiment":"neutral","sentiment_score":0.14958327160827045,"num_words":29,"start":327.475,"end":341.29},{"sentences":[{"text":"I've just had my third as well.","start":341.35,"end":342.885,"sentiment":"neutral","sentiment_score":0.29275536111422945},{"text":"So if I'm a little bit groggy on the phone, then you'll know why.","start":342.885,"end":346.98502,"sentiment":"neutral","sentiment_score":-0.08971563992755753},{"text":"Alright.","start":349.765,"end":350.165,"sentiment":"neutral","sentiment_score":0.16527284681797028},{"text":"That's all updated.","start":350.165,"end":351.285,"sentiment":"neutral","sentiment_score":0.2670660813649495},{"text":"Thank you so much for that, mate.","start":351.285,"end":352.745,"sentiment":"positive","sentiment_score":0.7147754345621381}],"sentiment":"neutral","sentiment_score":0.2113489906769246,"num_words":32,"start":341.35,"end":352.745},{"sentences":[{"text":"Outside of that, any other kind of main focuses for you for the next couple of years?","start":353.685,"end":357.42,"sentiment":"neutral","sentiment_score":0.15598949439385357},{"text":"Yeah.","start":369.34003,"end":369.795,"sentiment":"neutral","sentiment_score":-0.12912876904010773},{"text":"Obama.","start":374.195,"end":374.695,"sentiment":"neutral","sentiment_score":-0.1464000791311264},{"text":"Oh, yep.","start":386.16998,"end":386.99,"sentiment":"neutral","sentiment_score":-0.11432060971856117},{"text":"Those can't be very fun.","start":388.88998,"end":390.50998,"sentiment":"negative","sentiment_score":-0.37026402950286863}],"sentiment":"neutral","sentiment_score":0.01139735344510812,"num_words":26,"start":353.685,"end":390.50998},{"sentences":[{"text":"Alright.","start":394.72998,"end":395.12997,"sentiment":"neutral","sentiment_score":-0.012515945360064508},{"text":"So I've got that updated there.","start":395.12997,"end":396.72998,"sentiment":"neutral","sentiment_score":0.01888729011019071},{"text":"When it comes to the insurance one, I know you're just saying the insurance has bumped up to that 1.4 mil.","start":396.72998,"end":402.57498,"sentiment":"neutral","sentiment_score":-0.00594160036139545},{"text":"There's a bit of a funeral and accident cover on there as well.","start":402.79498,"end":408.495,"sentiment":"neutral","sentiment_score":-0.00966572048715674},{"text":"Are you guys just keeping that one in place for the time being and changes needed?","start":408.635,"end":412.92,"sentiment":"neutral","sentiment_score":0.0019091337453573942}],"sentiment":"neutral","sentiment_score":-0.002089018222728842,"num_words":57,"start":394.72998,"end":412.92},{"sentences":[{"text":"Yep.","start":425.01498,"end":425.51498,"sentiment":"neutral","sentiment_score":0.008596764877438545},{"text":"Perfect.","start":434.855,"end":435.355,"sentiment":"positive","sentiment_score":0.36699825525283813},{"text":"Alrighty.","start":436.29498,"end":436.79498,"sentiment":"neutral","sentiment_score":0.14701762795448303},{"text":"So when it comes to the superannuation, quick little bit of a review step back here.","start":436.855,"end":444.09,"sentiment":"neutral","sentiment_score":0.04716969362925738},{"text":"So you're in a high growth portfolio in the super.","start":444.38998,"end":448.57,"sentiment":"neutral","sentiment_score":0.22789144814014434}],"sentiment":"neutral","sentiment_score":0.12262904232945936,"num_words":29,"start":425.01498,"end":448.57},{"sentences":[{"text":"So we're aiming for a bit over 90% in growth assets, and that's like your shares, property, goals, the kind of high risk, high return, and a small portion in the safer side of things, aim there is to consistently get those high high long term returns of about 10% or above is kind of your benchmark.","start":448.87,"end":469.47,"sentiment":"neutral","sentiment_score":0.32651726457110625},{"text":"Now in the good years, high growth tends to go up ten, twenty, 30%.","start":471.53,"end":475.55002,"sentiment":"neutral","sentiment_score":0.23007646841662271},{"text":"Once every seven years, there's some kind of COVID or GFC and the market crashes 30% or so, and we basically wanna get that good double digit average over 10 at a time.","start":475.77002,"end":486.965,"sentiment":"neutral","sentiment_score":0.046317891076658714},{"text":"Does that make sense?","start":486.965,"end":488.02502,"sentiment":"neutral","sentiment_score":0.12611304223537445},{"text":"Cool.","start":490.245,"end":490.745,"sentiment":"positive","sentiment_score":0.5809516906738281}],"sentiment":"neutral","sentiment_score":0.224279347738815,"num_words":109,"start":448.87,"end":490.745},{"sentences":[{"text":"Having looked at the account, it's actually done surprisingly well, to be perfectly honest.","start":490.965,"end":495.27,"sentiment":"positive","sentiment_score":0.5632135612624032},{"text":"We went from a 164,000.","start":495.66998,"end":498.97,"sentiment":"positive","sentiment_score":0.37842200994491576},{"text":"There was a bit of a drop in March with the Iran war down to a 159, and then it just shot back up to a 180 flat.","start":499.34998,"end":506.72998,"sentiment":"neutral","sentiment_score":0.2004856520465442},{"text":"So it's actually cleared 10% after fees.","start":507.03,"end":510.565,"sentiment":"neutral","sentiment_score":0.32854923605918884},{"text":"Now when I'm looking at the individual options themselves, so good return, consistent with what we're aiming for, that's perfect.","start":513.745,"end":522.085,"sentiment":"positive","sentiment_score":0.5501321315765381}],"sentiment":"positive","sentiment_score":0.3877457493060344,"num_words":74,"start":490.965,"end":522.085},{"sentences":[{"text":"There was one option, the Benelon option.","start":522.09,"end":524.35004,"sentiment":"neutral","sentiment_score":0.10171624326280185},{"text":"Your Australian shares have kind of been dragging its feet a little bit.","start":524.41003,"end":527.63,"sentiment":"neutral","sentiment_score":-0.16080796947846046},{"text":"Every other option has kind of done pretty well.","start":527.85004,"end":530.83,"sentiment":"neutral","sentiment_score":0.26832236846288043},{"text":"You've got some battery tech and lithium there, which is electric vehicle, and that has shot up 47%.","start":531.29004,"end":536.67004,"sentiment":"neutral","sentiment_score":0.2057372633781698},{"text":"Gold had shot up quite a bit too.","start":537.225,"end":539.085,"sentiment":"neutral","sentiment_score":0.011751983780413866}],"sentiment":"neutral","sentiment_score":0.08788541866974398,"num_words":55,"start":522.09,"end":539.085},{"sentences":[{"text":"Cybersecurity, your other Australian shares, the only sort of slow ones with the Chinese shares and a bit of property.","start":539.225,"end":547.325,"sentiment":"neutral","sentiment_score":-0.13391447123140096},{"text":"What I'm thinking of doing is when we get the research back to Ray and do the reconsolidation, I will be sending you a bit of an updated strategy just showing the figures and differences so you've got that there for your records before we can touch anything, and just make sure you're comfortable to sign off on that before moving it.","start":549.785,"end":568.635,"sentiment":"neutral","sentiment_score":0.07288779678844637},{"text":"While I'm at it, I'm thinking I might just update that one investment option that's been dragging its feet just to kind of engine tune up the portfolio a little bit if you're okay for that.","start":568.935,"end":578.475,"sentiment":"neutral","sentiment_score":-0.043252792933748826},{"text":"Cool.","start":581.25,"end":581.49,"sentiment":"positive","sentiment_score":0.5884069204330444},{"text":"And I have been keeping my eye on different options in that space.","start":581.49,"end":586.31,"sentiment":"neutral","sentiment_score":0.27914491066565883}],"sentiment":"neutral","sentiment_score":0.03409806204338869,"num_words":132,"start":539.225,"end":586.31},{"sentences":[{"text":"So I have noticed this on a few people's account.","start":586.37,"end":588.87,"sentiment":"neutral","sentiment_score":0.1271945409476757},{"text":"We're looking at a few lower fee options, which are a bit more, I guess, passively managed, where it's more of an index fund approach.","start":589.73,"end":597.95496,"sentiment":"neutral","sentiment_score":0.16745243340730667},{"text":"They follow the LG market a lot closer, a bit more consistent in return, and a lot lower investment fees.","start":598.575,"end":606.595,"sentiment":"neutral","sentiment_score":0.28522268533706663},{"text":"Would you be okay for me to consider a bit of a change from that active fund that you've got to a bit more of a lower fee option?","start":606.65497,"end":614.26,"sentiment":"neutral","sentiment_score":0.15700593513661418},{"text":"So might just help as well, like, while you're waiting for, like, work to sort itself out just to kind of minimize investment fee, help the fund grow rather than get eroded away by fees.","start":618.4,"end":629.135,"sentiment":"neutral","sentiment_score":0.08842422802533423}],"sentiment":"neutral","sentiment_score":0.15807336177520392,"num_words":119,"start":586.37,"end":629.135},{"sentences":[{"text":"Cool.","start":632.075,"end":632.395,"sentiment":"neutral","sentiment_score":0.2649264931678772},{"text":"So we'll get the research for that.","start":632.395,"end":634.075,"sentiment":"neutral","sentiment_score":0.2182638794183731},{"text":"I'll do an updated comparison, judge up the portfolio a little bit, and get that through to you.","start":634.075,"end":639.06,"sentiment":"neutral","sentiment_score":0.23707083033190834},{"text":"I am off next week, but they'll be doing the research during that week, and then I'll get you booked in to run through that plan with me.","start":639.38,"end":646.27997,"sentiment":"neutral","sentiment_score":0.13751851181898797},{"text":"Sure.","start":647.94,"end":648.44,"sentiment":"neutral","sentiment_score":0.19500720500946045}],"sentiment":"neutral","sentiment_score":0.1837377114729448,"num_words":55,"start":632.075,"end":648.44},{"sentences":[{"text":"Just in terms of the sort of longer term goal, were we looking for a bit of an earlier retirement towards age 60 when you can access your super, or are you the kind of guy that says, oh, look.","start":649.86,"end":660.275,"sentiment":"neutral","sentiment_score":0.07148861885070801},{"text":"I always want something to do.","start":660.275,"end":661.55505,"sentiment":"neutral","sentiment_score":0.0277040284126997},{"text":"I'll go a bit more slow and steady until 67 and the age pension.","start":661.55505,"end":665.815,"sentiment":"neutral","sentiment_score":0.0019874826539307833},{"text":"Yeah.","start":674.97,"end":675.29,"sentiment":"neutral","sentiment_score":-0.005762007087469101},{"text":"So at this point, we'll just do a bit of an optimization.","start":675.29,"end":678.19,"sentiment":"neutral","sentiment_score":0.05381371732801199}],"sentiment":"neutral","sentiment_score":0.05059720934942773,"num_words":73,"start":649.86,"end":678.19},{"sentences":[{"text":"We won't focus too much on the time that's been twenty one years or more away, and we'll just try and get you in a better position over the next five to ten.","start":678.41,"end":686.27496,"sentiment":"neutral","sentiment_score":0.10312295236596555},{"text":"Perfect.","start":690.175,"end":690.675,"sentiment":"positive","sentiment_score":0.7484220266342163},{"text":"And they're still listed as your beneficiary for the super, so all the estate planning looks pretty 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I've got a little bit of a glitch going on in the system.","start":719.165,"end":721.725,"sentiment":"neutral","sentiment_score":-0.20452847331762314},{"text":"I was trying to send through an annual review to you just with the performance reports and a few updated service documents for us.","start":721.725,"end":729.73,"sentiment":"neutral","sentiment_score":-0.13652637569854656}],"sentiment":"neutral","sentiment_score":-0.10420288054310546,"num_words":49,"start":712.285,"end":729.73},{"sentences":[{"text":"We have updated our fee structure just as of this week.","start":730.27,"end":735.01,"sentiment":"neutral","sentiment_score":-0.02432618561116132},{"text":"So just to let you know, because you're sitting at a 180,000, we normally charge the the 1.65% spread throughout the year monthly.","start":735.23,"end":744.445,"sentiment":"neutral","sentiment_score":-0.019014379778957886},{"text":"But when you go above 200,000, Sevvy and Bart have added a bit of a tiered fee 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authority.","start":797.825,"end":802.885,"sentiment":"neutral","sentiment_score":0.046761300120698776},{"text":"You may just need to put your your member number back on there while you sign it.","start":802.98,"end":807.95996,"sentiment":"neutral","sentiment_score":0.043144131408018226},{"text":"And before we implement anything, we'll probably just get some updated ID if it hasn't signed previously.","start":808.1,"end":813.56,"sentiment":"neutral","sentiment_score":0.024320864228203017}],"sentiment":"neutral","sentiment_score":0.04420467598966377,"num_words":68,"start":789.98505,"end":813.56},{"sentences":[{"text":"Awesome, mate.","start":817.62,"end":818.385,"sentiment":"positive","sentiment_score":0.49432334303855896},{"text":"Thank you so much for your time today.","start":818.465,"end":820.085,"sentiment":"positive","sentiment_score":0.6042577400803566},{"text":"I will probably talk to you in about a fortnight's time after all that's been compared and put together for you.","start":820.305,"end":825.905,"sentiment":"neutral","sentiment_score":0.24356268168914885},{"text":"And if you need anything in between, just give us a buzz.","start":825.905,"end":829.28503,"sentiment":"neutral","sentiment_score":0.1516005831460158},{"text":"Awesome, Bevan.","start":832.065,"end":832.865,"sentiment":"positive","sentiment_score":0.8537627458572388}],"sentiment":"neutral","sentiment_score":0.32142794248130585,"num_words":45,"start":817.62,"end":832.865},{"sentences":[{"text":"Have a great day, mate.","start":832.865,"end":833.745,"sentiment":"positive","sentiment_score":0.8121721863746643},{"text":"Cheers.","start":833.745,"end":834.0929,"sentiment":"positive","sentiment_score":0.6919865608215332},{"text":"Bye.","start":837.1329,"end":837.6329,"sentiment":"neutral","sentiment_score":-0.11240187287330627}],"sentiment":"positive","sentiment_score":0.6629208028316498,"num_words":7,"start":832.865,"end":837.6329}]}}]},{"alternatives":[{"transcript":"Good. Thanks. Yourself? That's freezing here. Yep. Mhmm. Yeah. 25th Of The 6876 Raider Court, Churchill. Yep. Mhmm. Not really. I haven't had much work this year. So no. Well, I just actually saw it out because I just started to get my tax up. All my tax from the beginning of this financial year went into a different tax thing for some reason, a different sort of thing. I need to move that across. Yeah. Raise. Yep. Yep. That's good to quote. Yep. Yep. No. So we've sold that property. So that's the one that we're in now. We yeah. We paid paid $7.80. I don't know what's currently Well, I think I'll check because it did come up on my email just before. Yeah. That's that's I mean, that's about what they put changed my insurance too because they said it was about 1.4 at the moment. Is that right? 560. Well, we've got we've got two cars that we currently own outright. So we've got my car is somewhere about $65 market value at the moment. And, yeah, we're about oh, of course, it was where's my account for that? My card collection was about 38,000 US. So that's just, like, comfortable card and stuff, but including, like, house assets. Nope. Just the voltage. Yeah. Nothing wrong because we've been fighting with water cover about that the last year, so I haven't had any income. Yep. Yep. Pretty much a lot. Three. Yeah. Yeah. Well, I've gotta wait and find out what I'm allowed to do from this work cover thing because I'm not allowed to work because of medication. So I'm I'm stuck at the middle of not being able to do anything. So I'm waiting waiting for a resolution on that, and then I'll just stop going to the doctors, I suppose, and get not I have to deal with capacity certificates. Does that really lead with any choice? Yep. No. That's all that's all staying at the moment. So that's a house and contents with both cars through Shannon's, and then my life insurance and funeral insurance is through insurance line. I'm gonna be on my last letter. One thing. Yep. Mhmm. K. Yes. Awesome. Yep. Yeah. Yep. Yeah. Yeah. It's fine. Yeah. Yeah. That's it. Yep. No problem. Yeah. Well, I know it's, yeah, it's gonna depend entirely on the outcome of all this stuff if I'm not allowed to go back to work or not. So Yep. Yeah. Yeah. That's that's cool. Yep. Yep. That sounds good. No. That's pretty straightforward. Mhmm. Yep. Okay. Cool. Yep. Beautiful. No. No. I'm all good. Yep. Yeah. Yep. I have Verizon. Thank you. Jeez. 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Thanks. Yourself? That's freezing here. Yep.\n\nMhmm. Yeah. 25th Of The 6876 Raider Court, Churchill. Yep. Mhmm.\n\nNot really. I haven't had much work this year. So no. Well, I just actually saw it out because I just started to get my tax up. All my tax from the beginning of this financial year went into a different tax thing for some reason, a different sort of thing.\n\nI need to move that across. Yeah. Raise. Yep. Yep.\n\nThat's good to quote. Yep. Yep. No. So we've sold that property.\n\nSo that's the one that we're in now. We yeah. We paid paid $7.80. I don't know what's currently Well, I think I'll check because it did come up on my email just before. Yeah.\n\nThat's that's I mean, that's about what they put changed my insurance too because they said it was about 1.4 at the moment. Is that right? 560. Well, we've got we've got two cars that we currently own outright. So we've got my car is somewhere about $65 market value at the moment.\n\nAnd, yeah, we're about oh, of course, it was where's my account for that? My card collection was about 38,000 US. So that's just, like, comfortable card and stuff, but including, like, house assets. Nope. Just the voltage.\n\nYeah. Nothing wrong because we've been fighting with water cover about that the last year, so I haven't had any income. Yep. Yep. Pretty much a lot.\n\nThree. Yeah. Yeah. Well, I've gotta wait and find out what I'm allowed to do from this work cover thing because I'm not allowed to work because of medication. So I'm I'm stuck at the middle of not being able to do anything.\n\nSo I'm waiting waiting for a resolution on that, and then I'll just stop going to the doctors, I suppose, and get not I have to deal with capacity certificates. Does that really lead with any choice? Yep. No. That's all that's all staying at the moment.\n\nSo that's a house and contents with both cars through Shannon's, and then my life insurance and funeral insurance is through insurance line. I'm gonna be on my last letter. One thing. Yep. Mhmm.\n\nK. Yes. Awesome. Yep. Yeah.\n\nYep. Yeah. Yeah. It's fine. Yeah.\n\nYeah. That's it. Yep. No problem. Yeah.\n\nWell, I know it's, yeah, it's gonna depend entirely on the outcome of all this stuff if I'm not allowed to go back to work or not. So Yep. Yeah. Yeah. That's that's cool.\n\nYep. Yep. That sounds good. No. That's pretty straightforward.\n\nMhmm. Yep. Okay. Cool. Yep.\n\nBeautiful. No. No. I'm all good. Yep.\n\nYeah. Yep. I have Verizon. Thank you. Jeez.\n\nLet me check.","paragraphs":[{"sentences":[{"text":"Good.","start":6.3199997,"end":6.48,"sentiment":"positive","sentiment_score":0.5031265020370483},{"text":"Thanks.","start":6.48,"end":6.7999997,"sentiment":"positive","sentiment_score":0.5874491930007935},{"text":"Yourself?","start":6.7999997,"end":7.2999997,"sentiment":"neutral","sentiment_score":0.3084121644496918},{"text":"That's freezing here.","start":11.92,"end":13.139999,"sentiment":"neutral","sentiment_score":0.02217992798735698},{"text":"Yep.","start":20.585,"end":21.085,"sentiment":"neutral","sentiment_score":0.17434000968933103}],"sentiment":"neutral","sentiment_score":0.23426680759127652,"num_words":7,"start":6.3199997,"end":21.085},{"sentences":[{"text":"Mhmm.","start":31.78,"end":32.28,"sentiment":"neutral","sentiment_score":0.017051462084054947},{"text":"Yeah.","start":34.82,"end":35.22,"sentiment":"neutral","sentiment_score":0.01309122797101736},{"text":"25th Of The 6876 Raider Court, Churchill.","start":35.22,"end":38.68,"sentiment":"neutral","sentiment_score":0.01828455539154155},{"text":"Yep.","start":53.735,"end":54.235,"sentiment":"neutral","sentiment_score":0.0764528140425682},{"text":"Mhmm.","start":58.47,"end":58.97,"sentiment":"neutral","sentiment_score":0.013088425621390344}],"sentiment":"neutral","sentiment_score":0.022515983405438336,"num_words":11,"start":31.78,"end":58.97},{"sentences":[{"text":"Not really.","start":63.670002,"end":64.57,"sentiment":"neutral","sentiment_score":-0.16600504517555237},{"text":"I haven't had much work this year.","start":64.630005,"end":66.950005,"sentiment":"neutral","sentiment_score":-0.26937813205378397},{"text":"So no.","start":66.950005,"end":70.23,"sentiment":"neutral","sentiment_score":-0.1463051289319992},{"text":"Well, I just actually saw it out because I just started to get my tax up.","start":70.23,"end":74.40501,"sentiment":"neutral","sentiment_score":-0.1507425419986248},{"text":"All my tax from the beginning of this financial year went into a different tax thing for some reason, a different sort of thing.","start":74.705,"end":83.045006,"sentiment":"neutral","sentiment_score":-0.1595752046753963}],"sentiment":"neutral","sentiment_score":-0.17160691876037448,"num_words":51,"start":63.670002,"end":83.045006},{"sentences":[{"text":"I need to move that across.","start":83.92,"end":85.939995,"sentiment":"neutral","sentiment_score":-0.03420069503287474},{"text":"Yeah.","start":93.439995,"end":93.759995,"sentiment":"neutral","sentiment_score":0.0010074842721223831},{"text":"Raise.","start":93.759995,"end":94.259995,"sentiment":"neutral","sentiment_score":0.0052243126556277275},{"text":"Yep.","start":105.225006,"end":105.725006,"sentiment":"neutral","sentiment_score":0.08070632815361023},{"text":"Yep.","start":119.939995,"end":120.439995,"sentiment":"neutral","sentiment_score":0.1532461643218994}],"sentiment":"neutral","sentiment_score":0.0034980119206011267,"num_words":10,"start":83.92,"end":120.439995},{"sentences":[{"text":"That's good to quote.","start":129.13501,"end":130.515,"sentiment":"neutral","sentiment_score":0.0750593114644289},{"text":"Yep.","start":138.495,"end":138.995,"sentiment":"neutral","sentiment_score":0.0288432314991951},{"text":"Yep.","start":145.68999,"end":146.18999,"sentiment":"neutral","sentiment_score":-0.018870512023568153},{"text":"No.","start":151.93,"end":152.43,"sentiment":"neutral","sentiment_score":-0.15190882980823517},{"text":"So we've sold that property.","start":152.56999,"end":153.87,"sentiment":"neutral","sentiment_score":-0.14127563387155534}],"sentiment":"neutral","sentiment_score":-0.04567308615272244,"num_words":12,"start":129.13501,"end":153.87},{"sentences":[{"text":"So that's the one that we're in now.","start":156.085,"end":159.945,"sentiment":"neutral","sentiment_score":0.013178197783418},{"text":"We yeah.","start":160.485,"end":161.205,"sentiment":"neutral","sentiment_score":0.00030327681452035893},{"text":"We paid paid $7.80.","start":161.205,"end":165.125,"sentiment":"neutral","sentiment_score":-0.01449915999546647},{"text":"I don't know what's currently Well, I think I'll check because it did come up on my email just before.","start":165.125,"end":171.43,"sentiment":"neutral","sentiment_score":-0.004690482281148434},{"text":"Yeah.","start":180.20499,"end":180.44499,"sentiment":"neutral","sentiment_score":0.020529571920633316}],"sentiment":"neutral","sentiment_score":-0.0007212736510804721,"num_words":35,"start":156.085,"end":180.44499},{"sentences":[{"text":"That's that's I mean, that's about what they put changed my insurance too because they said it was about 1.4 at the moment.","start":180.44499,"end":187.165,"sentiment":"neutral","sentiment_score":-0.0167080941002654},{"text":"Is that right?","start":187.165,"end":188.06499,"sentiment":"neutral","sentiment_score":0.014442453160881996},{"text":"560.","start":200.58,"end":201.8,"sentiment":"neutral","sentiment_score":0.0003957794979214668},{"text":"Well, we've got we've got two cars that we currently own outright.","start":219.8,"end":223.18,"sentiment":"neutral","sentiment_score":-0.0011509181931614876},{"text":"So we've got my car is somewhere about $65 market value at the moment.","start":223.24,"end":232.62,"sentiment":"neutral","sentiment_score":0.0013306136575660535}],"sentiment":"neutral","sentiment_score":-0.006334819857312261,"num_words":53,"start":180.44499,"end":232.62},{"sentences":[{"text":"And, yeah, we're about oh, of course, it was where's my account for that?","start":235.94499,"end":244.525,"sentiment":"neutral","sentiment_score":0.01709070143156818},{"text":"My card collection was about 38,000 US.","start":246.87999,"end":251.29999,"sentiment":"neutral","sentiment_score":0.03840639229331698},{"text":"So that's just, like, comfortable card and stuff, but including, like, house assets.","start":268.905,"end":273.405,"sentiment":"neutral","sentiment_score":0.0849422998726368},{"text":"Nope.","start":287.54498,"end":287.625,"sentiment":"neutral","sentiment_score":0.00009511163079878315},{"text":"Just the voltage.","start":287.625,"end":288.685,"sentiment":"neutral","sentiment_score":0.03257865955432256}],"sentiment":"neutral","sentiment_score":0.04500514617718995,"num_words":38,"start":235.94499,"end":288.685},{"sentences":[{"text":"Yeah.","start":306.52,"end":306.92,"sentiment":"neutral","sentiment_score":-0.0045343488454818726},{"text":"Nothing wrong because we've been fighting with water cover about that the last year, so I haven't had any income.","start":306.92,"end":314.7,"sentiment":"neutral","sentiment_score":-0.09316805824637413},{"text":"Yep.","start":323.625,"end":323.945,"sentiment":"neutral","sentiment_score":0.05794982612133026},{"text":"Yep.","start":323.945,"end":324.26498,"sentiment":"neutral","sentiment_score":0.0835001990199089},{"text":"Pretty much a lot.","start":324.26498,"end":325.32498,"sentiment":"neutral","sentiment_score":0.21599863469600677}],"sentiment":"neutral","sentiment_score":-0.031942627772136974,"num_words":27,"start":306.52,"end":325.32498},{"sentences":[{"text":"Three.","start":335.02,"end":335.52,"sentiment":"neutral","sentiment_score":0.10845138877630234},{"text":"Yeah.","start":360.32,"end":360.8,"sentiment":"neutral","sentiment_score":0.009048232808709145},{"text":"Yeah.","start":360.8,"end":361.04,"sentiment":"neutral","sentiment_score":-0.003489302471280098},{"text":"Well, I've gotta wait and find out what I'm allowed to do from this work cover thing because I'm not allowed to work because of medication.","start":361.04,"end":367.13998,"sentiment":"neutral","sentiment_score":-0.1626174937074001},{"text":"So I'm I'm stuck at the middle of not being able to do anything.","start":368.32,"end":372.32,"sentiment":"neutral","sentiment_score":-0.24032473404492652}],"sentiment":"neutral","sentiment_score":-0.17392071613738702,"num_words":43,"start":335.02,"end":372.32},{"sentences":[{"text":"So I'm waiting waiting for a resolution on that, and then I'll just stop going to the doctors, I suppose, and get not I have to deal with capacity certificates.","start":372.32,"end":383.935,"sentiment":"neutral","sentiment_score":-0.1543990028401216},{"text":"Does that really lead with any choice?","start":384.635,"end":386.575,"sentiment":"neutral","sentiment_score":-0.08285233804157802},{"text":"Yep.","start":413.165,"end":413.665,"sentiment":"neutral","sentiment_score":0.0010776265989989042},{"text":"No.","start":413.885,"end":414.20502,"sentiment":"neutral","sentiment_score":-0.03934415429830551},{"text":"That's all that's all staying at the moment.","start":414.20502,"end":415.84503,"sentiment":"neutral","sentiment_score":-0.02942370204254985}],"sentiment":"neutral","sentiment_score":-0.11671473607519998,"num_words":47,"start":372.32,"end":415.84503},{"sentences":[{"text":"So that's a house and contents with both cars through Shannon's, and then my life insurance and funeral insurance is through insurance line.","start":415.84503,"end":427.85,"sentiment":"neutral","sentiment_score":0.007781627729697072},{"text":"I'm gonna be on my last letter.","start":430.215,"end":431.835,"sentiment":"neutral","sentiment_score":0.02489701605268887},{"text":"One thing.","start":432.135,"end":432.95502,"sentiment":"neutral","sentiment_score":0.09731508046388626},{"text":"Yep.","start":449.19,"end":449.69,"sentiment":"positive","sentiment_score":0.34380847215652466},{"text":"Mhmm.","start":464.23502,"end":464.73502,"sentiment":"neutral","sentiment_score":0.2082616686820984}],"sentiment":"neutral","sentiment_score":0.032351672115242654,"num_words":34,"start":415.84503,"end":464.73502},{"sentences":[{"text":"K.","start":468.39502,"end":468.89502,"sentiment":"neutral","sentiment_score":0.27186959981918335},{"text":"Yes.","start":488.345,"end":488.845,"sentiment":"neutral","sentiment_score":0.3253275156021118},{"text":"Awesome.","start":499.66998,"end":500.16998,"sentiment":"positive","sentiment_score":0.5784054398536682},{"text":"Yep.","start":534.97003,"end":535.47003,"sentiment":"neutral","sentiment_score":0.27654504776000977},{"text":"Yeah.","start":548.02496,"end":548.52496,"sentiment":"neutral","sentiment_score":0.09145165979862212}],"sentiment":"neutral","sentiment_score":0.3087198525667191,"num_words":5,"start":468.39502,"end":548.52496},{"sentences":[{"text":"Yep.","start":565.36,"end":565.86,"sentiment":"neutral","sentiment_score":0.05991108343005181},{"text":"Yeah.","start":578.47504,"end":578.715,"sentiment":"neutral","sentiment_score":0.11455945670604706},{"text":"Yeah.","start":578.715,"end":578.955,"sentiment":"neutral","sentiment_score":0.19710177183151245},{"text":"It's fine.","start":578.955,"end":579.61505,"sentiment":"positive","sentiment_score":0.3731061816215515},{"text":"Yeah.","start":615.44,"end":615.94,"sentiment":"neutral","sentiment_score":0.09698134660720824}],"sentiment":"neutral","sentiment_score":0.20246100363632044,"num_words":6,"start":565.36,"end":615.94},{"sentences":[{"text":"Yeah.","start":627.545,"end":628.045,"sentiment":"neutral","sentiment_score":-0.07292801886796951},{"text":"That's it.","start":629.70496,"end":630.52496,"sentiment":"neutral","sentiment_score":-0.14102774485945702},{"text":"Yep.","start":646.65,"end":647.13,"sentiment":"neutral","sentiment_score":0.1271557658910751},{"text":"No problem.","start":647.13,"end":647.87,"sentiment":"neutral","sentiment_score":0.19157683849334717},{"text":"Yeah.","start":666.48,"end":666.72,"sentiment":"neutral","sentiment_score":-0.016371650621294975}],"sentiment":"neutral","sentiment_score":0.0198506119527987,"num_words":7,"start":627.545,"end":666.72},{"sentences":[{"text":"Well, I know it's, yeah, it's gonna depend entirely on the outcome of all this stuff if I'm not allowed to go back to work or not.","start":666.72,"end":673.04,"sentiment":"neutral","sentiment_score":-0.10018322202894422},{"text":"So Yep.","start":673.04,"end":686.61505,"sentiment":"neutral","sentiment_score":0.03962238132953644},{"text":"Yeah.","start":686.61505,"end":686.935,"sentiment":"neutral","sentiment_score":0.17906758189201355},{"text":"Yeah.","start":686.935,"end":687.255,"sentiment":"neutral","sentiment_score":0.282749742269516},{"text":"That's that's cool.","start":687.255,"end":688.315,"sentiment":"positive","sentiment_score":0.7251316507657369}],"sentiment":"neutral","sentiment_score":0.0003385307157740873,"num_words":34,"start":666.72,"end":688.315},{"sentences":[{"text":"Yep.","start":694.775,"end":695.275,"sentiment":"positive","sentiment_score":0.4304618537425995},{"text":"Yep.","start":709.33,"end":709.83,"sentiment":"neutral","sentiment_score":0.13994406163692474},{"text":"That sounds good.","start":709.97003,"end":711.03,"sentiment":"positive","sentiment_score":0.3591924210389455},{"text":"No.","start":715.565,"end":715.805,"sentiment":"neutral","sentiment_score":-0.017922669649124146},{"text":"That's pretty straightforward.","start":715.805,"end":718.945,"sentiment":"neutral","sentiment_score":0.07831236595908801}],"sentiment":"neutral","sentiment_score":0.2072219563027223,"num_words":9,"start":694.775,"end":718.945},{"sentences":[{"text":"Mhmm.","start":730.25,"end":730.75,"sentiment":"neutral","sentiment_score":-0.06597334891557693},{"text":"Yep.","start":745.125,"end":745.625,"sentiment":"neutral","sentiment_score":-0.02842058055102825},{"text":"Okay.","start":764.98,"end":765.38,"sentiment":"neutral","sentiment_score":0.09214866161346436},{"text":"Cool.","start":765.38,"end":765.88,"sentiment":"neutral","sentiment_score":0.18781697750091553},{"text":"Yep.","start":784.395,"end":784.895,"sentiment":"neutral","sentiment_score":0.07796044647693634}],"sentiment":"neutral","sentiment_score":0.05270643122494221,"num_words":5,"start":730.25,"end":784.895},{"sentences":[{"text":"Beautiful.","start":786.85,"end":787.35,"sentiment":"positive","sentiment_score":0.41984063386917114},{"text":"No.","start":793.25,"end":793.65,"sentiment":"neutral","sentiment_score":-0.02955800853669643},{"text":"No.","start":793.65,"end":793.81,"sentiment":"neutral","sentiment_score":-0.060802191495895386},{"text":"I'm all good.","start":793.81,"end":794.79,"sentiment":"neutral","sentiment_score":0.005211144685745239},{"text":"Yep.","start":806.545,"end":807.045,"sentiment":"neutral","sentiment_score":0.045240432024002075}],"sentiment":"neutral","sentiment_score":0.055764899988259585,"num_words":7,"start":786.85,"end":807.045},{"sentences":[{"text":"Yeah.","start":815.18,"end":815.68,"sentiment":"neutral","sentiment_score":0.16304098069667816},{"text":"Yep.","start":826.085,"end":826.585,"sentiment":"neutral","sentiment_score":0.12689703702926636},{"text":"I have Verizon.","start":829.36505,"end":830.005,"sentiment":"neutral","sentiment_score":0.3251536687215169},{"text":"Thank you.","start":830.005,"end":830.825,"sentiment":"positive","sentiment_score":0.8071947693824768},{"text":"Jeez.","start":834.325,"end":834.645,"sentiment":"positive","sentiment_score":0.4041041731834411}],"sentiment":"positive","sentiment_score":0.41048659197986126,"num_words":8,"start":815.18,"end":834.645},{"sentences":[{"text":"Let me check.","start":834.645,"end":835.385,"sentiment":"neutral","sentiment_score":0.2663390636444092}],"sentiment":"neutral","sentiment_score":0.2663390636444092,"num_words":3,"start":834.645,"end":835.385}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good morning, Bevan. It's Tommy here, senior adviser from. How are you doing today?\n\nChannel 1: Good. Thanks. Yourself?\n\nChannel 0: Right. Living the dream so far. It's a beautiful day on the Gold Coast. What about your end?\n\nChannel 1: That's freezing here.\n\nChannel 0: Could tell. Could tell. Mate, I've just got you in for an annual review. Do you have some time for me this month?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Now before I get started, I just wanted to go through a quick security check with you. As always, calls are recorded for training and quality purposes. Do you\n\nChannel 1: Mhmm.\n\nChannel 0: mind passing on your date of birth and address?\n\nChannel 1: Yeah. 25th Of The 6876 Raider Court, Churchill.\n\nChannel 0: Perfect. Thank you so much for that. And I'm registered with ATHIC as adviser 1273105. Now, mate, I've gone through a bit of a a review of your superannuation this morning before the call, and\n\nChannel 1: Yep.\n\nChannel 0: I've just got some details I wanted to update on your back line together.\n\nChannel 1: Mhmm.\n\nChannel 0: Is there anything in particular you're hoping to get out of this year's review?\n\nChannel 1: Not really. I haven't had much work this year. So no. Well, I just actually saw it out because I just started to get my tax up. All my tax from the beginning of this financial year went into a different tax thing for some reason, a different sort\n\nChannel 0: Yeah.\n\nChannel 1: of thing.\n\nChannel 0: Right.\n\nChannel 1: I need\n\nChannel 0: Okay.\n\nChannel 1: to move that across.\n\nChannel 0: Alright. Now was that the name of that one? Was that raised by any chance or a different one?\n\nChannel 1: Yeah. Raise.\n\nChannel 0: Right. Okay. Cool. So what I can do is we'll get a authority out just to get the research on that account, and I can get that sorted for you.\n\nChannel 1: Yep.\n\nChannel 0: So raise I'll get a third party authority sent to you for that one. Cool. So in terms of other details, you did have the address update as well. So I can\n\nChannel 1: Yep.\n\nChannel 0: see the team's gone ahead and applied fixed rated circuit to all the accounts there, which is great. Now just to double\n\nChannel 1: That's\n\nChannel 0: check,\n\nChannel 1: good\n\nChannel 0: is\n\nChannel 1: to\n\nChannel 0: that\n\nChannel 1: quote.\n\nChannel 0: the port? Sorry. That primary place of residence that we had listed,\n\nChannel 1: Yep.\n\nChannel 0: we had you owning that one, and it was valued at about 780,000 with 600 owing. I just wanted to\n\nChannel 1: Yep.\n\nChannel 0: double check if that was the previous property.\n\nChannel 1: No. So we've sold that property.\n\nChannel 0: Yep.\n\nChannel 1: So that's the one that we're in now. We yeah. We paid paid $7.80. I don't know what's currently Well, I think I'll check because it did come up on my email just before.\n\nChannel 0: I've got a bit of an online estimate that's saying it could be around 900,000. That's just on property.com. Does that sound reasonable?\n\nChannel 1: Yeah. That's that's I mean, that's about what they put changed my insurance too because they said it was about 1.4 at the moment. Is that right?\n\nChannel 0: Oh, And do you know roughly how much might be owing left on that?\n\nChannel 1: 560.\n\nChannel 0: Yep. Sensational. Last couple of questions on the assets and liabilities. We had vehicles worth about 46,000 and about 40,000 worth of collectibles. That was all we had listed for, assets and liabilities.\n\nDoes that sound about right?\n\nChannel 1: Well, we've got we've got two cars that we currently own outright. So we've got my car is somewhere about $65 market value at the moment.\n\nChannel 0: Yep.\n\nChannel 1: And, yeah, we're about oh, of course, it was where's my account for that? My card collection\n\nChannel 0: That's no\n\nChannel 1: was about\n\nChannel 0: problem.\n\nChannel 1: 38,000 US.\n\nChannel 0: That's alright. I can do a conversion calculation online. 38,000 US looks like just shy of about 54,000 Australian.\n\nChannel 1: So that's just, like, comfortable card and stuff, but including, like, house\n\nChannel 0: Yep.\n\nChannel 1: assets.\n\nChannel 0: Yeah. It's not home and contents or anything like that. Just the collectibles. Beautiful. Alright.\n\nAny other no loans or anything that we don't know about?\n\nChannel 1: Nope. Just the voltage.\n\nChannel 0: Perfect. And just in terms of employment and so on, there was, I believe, previous work cover claim, and you were saying that there was some contributions going to raise there. I just wanted to update what you're currently doing in terms of occupation, title, and income.\n\nChannel 1: Yeah. Nothing wrong because we've been fighting with water cover about that the last year, so I haven't had any\n\nChannel 0: Yep.\n\nChannel 1: income.\n\nChannel 0: Okay. Alright. So no income there. And then you're just kind of living off savings at the moment, so how's that been going?\n\nChannel 1: Yep. Yep. Pretty much a lot.\n\nChannel 0: Yep. No worries. And then just in terms of family, we do have Emma and two children with, like,\n\nChannel 1: Three.\n\nChannel 0: a will in place and everything like that. Three. Fantastic. Congratulations. I've just had my third as well.\n\nSo if I'm a little bit groggy on the phone, then you'll know why. Alright. That's all updated. Thank you so much for that, mate. Outside of that, any other kind of main focuses for you for the next couple of years?\n\nChannel 1: Yeah. Yeah. Well, I've gotta wait and find out what I'm allowed to do from this work cover thing because I'm not allowed to work because of medication. So\n\nChannel 0: Yeah.\n\nChannel 1: I'm I'm stuck at the middle of not being able to do anything. So\n\nChannel 0: Obama.\n\nChannel 1: I'm waiting waiting for a resolution on that, and then I'll just stop going to the doctors, I suppose, and get not I have to deal with capacity certificates. Does that really lead with any choice?\n\nChannel 0: Oh, yep. Those can't be very fun. Alright. So I've got that updated there. When it comes to the insurance one, I know you're just saying the insurance has bumped up to that 1.4 mil.\n\nThere's a bit of a funeral and accident cover on there as well. Are you guys just keeping that one in place for the time being and changes needed?\n\nChannel 1: Yep. No. That's all that's all staying at the moment. So that's a house and contents with both cars through Shannon's, and then my life insurance\n\nChannel 0: Yep.\n\nChannel 1: and funeral insurance is through insurance line. I'm gonna be on my last letter. One thing.\n\nChannel 0: Perfect. Alrighty. So when it comes to the superannuation, quick little bit of a review step back here. So you're in a high growth portfolio in the super. So\n\nChannel 1: Yep.\n\nChannel 0: we're aiming for a bit over 90% in growth assets, and that's like your shares, property, goals, the kind of high risk, high return, and a small portion in the safer side of things, aim there is to consistently get those high\n\nChannel 1: Mhmm.\n\nChannel 0: high long term returns of about 10% or above is kind\n\nChannel 1: K.\n\nChannel 0: of your benchmark. Now in the good years, high growth tends to go up ten, twenty, 30%. Once every seven years, there's some kind of COVID or GFC and the market crashes 30% or so, and we basically wanna get that good double digit average over 10 at a time. Does that make sense?\n\nChannel 1: Yes.\n\nChannel 0: Cool. Having looked at the account, it's actually done surprisingly well, to be perfectly honest. We went from a 164,000. There was a\n\nChannel 1: Awesome.\n\nChannel 0: bit of a drop in March with the Iran war down to a 159, and then it just shot back up to a 180 flat. So it's actually cleared 10% after fees. Now when I'm looking at the individual options themselves, so good return, consistent with what we're aiming for, that's perfect. There was one option, the Benelon option. Your Australian shares have kind of been dragging its feet a little bit.\n\nEvery other option has kind of done pretty well. You've got some battery tech and lithium there, which is electric vehicle, and that has\n\nChannel 1: Yep.\n\nChannel 0: shot up 47%. Gold had shot up quite a bit too. Cybersecurity, your other Australian shares, the only sort of slow ones with the Chinese shares and a bit of property.\n\nChannel 1: Yeah.\n\nChannel 0: What I'm thinking of doing is when we get the research back to Ray and do the reconsolidation, I will be sending you a bit of an updated strategy just showing the figures and differences so you've got that there for your records before we can touch anything, and just\n\nChannel 1: Yep.\n\nChannel 0: make sure you're comfortable to sign off on that before moving it. While I'm at it, I'm thinking I might just update that one investment option that's been dragging its feet just to kind of engine tune up the portfolio a little bit if you're okay for that.\n\nChannel 1: Yeah. Yeah. It's fine.\n\nChannel 0: Cool. And I have been keeping my eye on different options in that space. So I have noticed this on a few people's account. We're looking at a few lower fee options, which are a bit more, I guess, passively managed, where it's more of an index fund approach. They follow the LG market a lot closer, a bit more consistent in return, and a lot lower investment fees.\n\nWould you be okay for me to consider a bit of a change from that active fund that you've got to a bit more of a lower fee option?\n\nChannel 1: Yeah.\n\nChannel 0: So might just help as well, like, while you're waiting for, like, work to sort itself out just to kind of minimize investment fee, help the fund grow rather than get\n\nChannel 1: Yeah.\n\nChannel 0: eroded away by fees.\n\nChannel 1: That's it.\n\nChannel 0: Cool. So we'll get the research for that. I'll do an updated comparison, judge up the portfolio a little bit, and get that through to you. I am off next week, but they'll be doing the research during that week, and then I'll get you booked in to run through that plan with me.\n\nChannel 1: Yep. No problem.\n\nChannel 0: Sure. Just in terms of the sort of longer term goal, were we looking for a bit of an earlier retirement towards age 60 when you can access your super, or are you the kind of guy that says, oh, look. I always want something to do. I'll go a bit more slow and steady until 67 and the age pension.\n\nChannel 1: Yeah. Well, I know it's, yeah, it's gonna depend entirely on the outcome of all this stuff if I'm not allowed to go back to work or not. So\n\nChannel 0: Yeah. So at this point, we'll just do a bit of an optimization. We won't focus too much on the time that's been twenty one years or more away, and we'll just try and get you in a better position over the next five to ten.\n\nChannel 1: Yep. Yeah. Yeah. That's that's cool.\n\nChannel 0: Perfect. And they're still listed as your beneficiary for the super, so all the estate\n\nChannel 1: Yep.\n\nChannel 0: planning looks pretty good. And, again, while work is in flux, we can't really look at anything in terms of, like, income protection insurance or anything like that. That would be kind of on hold until afterwards at the very least.\n\nChannel 1: Yep. That sounds good.\n\nChannel 0: Cool. Any questions on what we've talked about so far?\n\nChannel 1: No. That's pretty straightforward.\n\nChannel 0: Cool. Now I've got a little bit of a glitch going on in the system. I was trying to send through an annual review to you just with the performance reports and a few updated service documents for us.\n\nChannel 1: Mhmm.\n\nChannel 0: We have updated our fee structure just as of this week. So just to let you know, because you're sitting at a 180,000, we normally charge the the 1.65% spread throughout the year monthly. But\n\nChannel 1: Yep.\n\nChannel 0: when you go above 200,000, Sevvy and Bart have added a bit of a tiered fee structure. So what that means is 300 to 500,000, the percentage gets lower. 500,000 to a million, it gets lower again, and we just provide percentage discount for every tier after 200,000.\n\nChannel 1: Okay. Cool.\n\nChannel 0: Cool. So the documents that'll come through today, I'll send you a text when they do get through the system. Again, performance reports, service guides, The service agreement for this year will be the same as it was last year. And then at the next review, you should have crested over 200,000, and you'll\n\nChannel 1: Yep.\n\nChannel 0: start to get those discounts then as well.\n\nChannel 1: Beautiful.\n\nChannel 0: Cool. Any questions for me before I let you go back to your\n\nChannel 1: No. No. I'm all good.\n\nChannel 0: day? Easy done. If the team needs anything when it comes through the raise, again, I'll send you that third party authority. You may just need to put your your member number back on there\n\nChannel 1: Yep.\n\nChannel 0: while you sign it. And before we implement anything, we'll probably just get some updated ID if it hasn't signed previously.\n\nChannel 1: Yeah.\n\nChannel 0: Awesome, mate. Thank you so much for your time today. I will probably talk to you in about a fortnight's time after all that's been compared and put together for you. And\n\nChannel 1: Yep.\n\nChannel 0: if you need anything in between, just give us a buzz.\n\nChannel 1: I have Verizon. Thank you.\n\nChannel 0: Awesome, Bevan. Have a great day, mate. Cheers.\n\nChannel 1: Jeez. Let me check.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Bevan.","start":2.1599998,"end":3.04,"sentiment":"positive","sentiment_score":0.37169278661410016},{"text":"It's Tommy here, senior adviser from.","start":3.04,"end":5.04,"sentiment":"neutral","sentiment_score":0.26007396231095},{"text":"How are you doing today?","start":5.04,"end":6.1,"sentiment":"neutral","sentiment_score":0.2478949546813965}],"sentiment":"neutral","sentiment_score":0.27964263622249874,"channel":0,"num_words":14,"start":2.1599998,"end":6.1},{"sentences":[{"text":"Good.","start":6.3199997,"end":6.48,"sentiment":"positive","sentiment_score":0.5031265020370483},{"text":"Thanks.","start":6.48,"end":6.7999997,"sentiment":"positive","sentiment_score":0.5874491930007935},{"text":"Yourself?","start":6.7999997,"end":7.2999997,"sentiment":"neutral","sentiment_score":0.3084121644496918}],"sentiment":"positive","sentiment_score":0.46632928649584454,"channel":1,"num_words":3,"start":6.3199997,"end":7.2999997},{"sentences":[{"text":"Right.","start":7.8399997,"end":8.16,"sentiment":"positive","sentiment_score":0.4114241302013397},{"text":"Living the dream so far.","start":8.16,"end":9.28,"sentiment":"positive","sentiment_score":0.5841842770576477},{"text":"It's a beautiful day on the Gold Coast.","start":9.28,"end":10.719999,"sentiment":"positive","sentiment_score":0.7324445024132729},{"text":"What about your end?","start":10.719999,"end":11.78,"sentiment":"neutral","sentiment_score":0.15633374825119972}],"sentiment":"positive","sentiment_score":0.5454020293222533,"channel":0,"num_words":18,"start":7.8399997,"end":11.78},{"sentences":[{"text":"That's freezing here.","start":11.92,"end":13.139999,"sentiment":"neutral","sentiment_score":0.02217992798735698}],"sentiment":"neutral","sentiment_score":0.02217992798735698,"channel":1,"num_words":3,"start":11.92,"end":13.139999},{"sentences":[{"text":"Could tell.","start":14.4,"end":14.96,"sentiment":"neutral","sentiment_score":0.0593038946390152},{"text":"Could tell.","start":14.96,"end":15.615,"sentiment":"neutral","sentiment_score":0.05534587427973747},{"text":"Mate, I've just got you in for an annual review.","start":16.255,"end":18.494999,"sentiment":"neutral","sentiment_score":0.06191498711705208},{"text":"Do you have some time for me this month?","start":18.494999,"end":20.275,"sentiment":"neutral","sentiment_score":0.032351400496231184}],"sentiment":"neutral","sentiment_score":0.049548348411917686,"channel":0,"num_words":23,"start":14.4,"end":20.275},{"sentences":[{"text":"Yep.","start":20.585,"end":21.085,"sentiment":"neutral","sentiment_score":0.17434000968933103}],"sentiment":"neutral","sentiment_score":0.17434000968933103,"channel":1,"num_words":1,"start":20.585,"end":21.085},{"sentences":[{"text":"Beautiful.","start":22.015,"end":22.515,"sentiment":"positive","sentiment_score":0.4301678240299225},{"text":"Now before I get started, I just wanted to go through a quick security check with you.","start":23.135,"end":27.474998,"sentiment":"neutral","sentiment_score":0.082535930635298},{"text":"As always, calls are recorded for training and quality purposes.","start":27.695,"end":31.03,"sentiment":"neutral","sentiment_score":0.04980314150452614},{"text":"Do you","start":31.57,"end":31.890001,"sentiment":"neutral","sentiment_score":0.013390194159001112}],"sentiment":"neutral","sentiment_score":0.07860301493977508,"channel":0,"num_words":30,"start":22.015,"end":31.890001},{"sentences":[{"text":"Mhmm.","start":31.78,"end":32.28,"sentiment":"neutral","sentiment_score":0.017051462084054947}],"sentiment":"neutral","sentiment_score":0.017051462084054947,"channel":1,"num_words":1,"start":31.78,"end":32.28},{"sentences":[{"text":"mind passing on your date of birth and address?","start":31.890001,"end":34.47,"sentiment":"neutral","sentiment_score":0.01413269941177633}],"sentiment":"neutral","sentiment_score":0.01413269941177633,"channel":0,"num_words":9,"start":31.890001,"end":34.47},{"sentences":[{"text":"Yeah.","start":34.82,"end":35.22,"sentiment":"neutral","sentiment_score":0.01309122797101736},{"text":"25th Of The 6876 Raider Court, Churchill.","start":35.22,"end":38.68,"sentiment":"neutral","sentiment_score":0.01828455539154155}],"sentiment":"neutral","sentiment_score":0.017635389463976026,"channel":1,"num_words":8,"start":34.82,"end":38.68},{"sentences":[{"text":"Perfect.","start":41.185,"end":41.425003,"sentiment":"positive","sentiment_score":0.4769554138183594},{"text":"Thank you so much for that.","start":41.425003,"end":42.545002,"sentiment":"positive","sentiment_score":0.6306765377521515},{"text":"And I'm registered with ATHIC as adviser 1273105.","start":42.545002,"end":47.125,"sentiment":"neutral","sentiment_score":0.25467274710536003},{"text":"Now, mate, I've gone through a bit of a a review of your superannuation this morning before the call, and","start":47.265,"end":53.84,"sentiment":"neutral","sentiment_score":0.06612106524407864}],"sentiment":"neutral","sentiment_score":0.21773765491587774,"channel":0,"num_words":35,"start":41.185,"end":53.84},{"sentences":[{"text":"Yep.","start":53.735,"end":54.235,"sentiment":"neutral","sentiment_score":0.0764528140425682}],"sentiment":"neutral","sentiment_score":0.0764528140425682,"channel":1,"num_words":1,"start":53.735,"end":54.235},{"sentences":[{"text":"I've just got some details I wanted to update on your back line together.","start":53.84,"end":57.78,"sentiment":"neutral","sentiment_score":0.07959748511867863}],"sentiment":"neutral","sentiment_score":0.07959748511867863,"channel":0,"num_words":14,"start":53.84,"end":57.78},{"sentences":[{"text":"Mhmm.","start":58.47,"end":58.97,"sentiment":"neutral","sentiment_score":0.013088425621390344}],"sentiment":"neutral","sentiment_score":0.013088425621390344,"channel":1,"num_words":1,"start":58.47,"end":58.97},{"sentences":[{"text":"Is there anything in particular you're hoping to get out of this year's review?","start":58.48,"end":61.7,"sentiment":"neutral","sentiment_score":-0.009301425797665226}],"sentiment":"neutral","sentiment_score":-0.009301425797665226,"channel":0,"num_words":14,"start":58.48,"end":61.7},{"sentences":[{"text":"Not really.","start":63.670002,"end":64.57,"sentiment":"neutral","sentiment_score":-0.16600504517555237},{"text":"I haven't had much work this year.","start":64.630005,"end":66.950005,"sentiment":"neutral","sentiment_score":-0.26937813205378397},{"text":"So no.","start":66.950005,"end":70.23,"sentiment":"neutral","sentiment_score":-0.1463051289319992},{"text":"Well, I just actually saw it out because I just started to get my tax up.","start":70.23,"end":74.40501,"sentiment":"neutral","sentiment_score":-0.1507425419986248},{"text":"All my tax from the beginning of this financial year went into a different tax thing for some reason, a different sort","start":74.705,"end":82.465004,"sentiment":"neutral","sentiment_score":-0.16798995028842578}],"sentiment":"neutral","sentiment_score":-0.17587605818193786,"channel":1,"num_words":49,"start":63.670002,"end":82.465004},{"sentences":[{"text":"Yeah.","start":82.450005,"end":82.770004,"sentiment":"neutral","sentiment_score":-0.08317087590694427}],"sentiment":"neutral","sentiment_score":-0.08317087590694427,"channel":0,"num_words":1,"start":82.450005,"end":82.770004},{"sentences":[{"text":"of 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across.","start":84.52,"end":85.939995,"sentiment":"neutral","sentiment_score":-0.03263039980083704}],"sentiment":"neutral","sentiment_score":-0.03263039980083704,"channel":1,"num_words":4,"start":84.52,"end":85.939995},{"sentences":[{"text":"Alright.","start":87.33,"end":87.81,"sentiment":"neutral","sentiment_score":-0.005739464890211821},{"text":"Now was that the name of that one?","start":87.81,"end":90.770004,"sentiment":"neutral","sentiment_score":-0.012676520273089409},{"text":"Was that raised by any chance or a different one?","start":90.770004,"end":93.270004,"sentiment":"neutral","sentiment_score":-0.024132451228797435}],"sentiment":"neutral","sentiment_score":-0.01834084944015271,"channel":0,"num_words":19,"start":87.33,"end":93.270004},{"sentences":[{"text":"Yeah.","start":93.439995,"end":93.759995,"sentiment":"neutral","sentiment_score":0.0010074842721223831},{"text":"Raise.","start":93.759995,"end":94.259995,"sentiment":"neutral","sentiment_score":0.0052243126556277275}],"sentiment":"neutral","sentiment_score":0.0031158984638750553,"channel":1,"num_words":2,"start":93.439995,"end":94.259995},{"sentences":[{"text":"Right.","start":95.17,"end":95.57,"sentiment":"neutral","sentiment_score":0.0264037661254406},{"text":"Okay.","start":95.57,"end":95.89,"sentiment":"neutral","sentiment_score":0.0726465955376625},{"text":"Cool.","start":95.89,"end":96.29,"sentiment":"neutral","sentiment_score":0.1201651617884636},{"text":"So what I can do is we'll get a authority out just to get the research on that account, and I can get that sorted for you.","start":96.29,"end":104.935,"sentiment":"neutral","sentiment_score":0.1329242264231046}],"sentiment":"neutral","sentiment_score":0.12693898789584637,"channel":0,"num_words":30,"start":95.17,"end":104.935},{"sentences":[{"text":"Yep.","start":105.225006,"end":105.725006,"sentiment":"neutral","sentiment_score":0.08070632815361023}],"sentiment":"neutral","sentiment_score":0.08070632815361023,"channel":1,"num_words":1,"start":105.225006,"end":105.725006},{"sentences":[{"text":"So raise I'll get a third party authority sent to you for that one.","start":105.315,"end":110.055,"sentiment":"neutral","sentiment_score":0.10157820795263563},{"text":"Cool.","start":112.72,"end":112.96,"sentiment":"neutral","sentiment_score":0.24368004500865936},{"text":"So in terms of other details, you did have the address update as well.","start":112.96,"end":119.22,"sentiment":"neutral","sentiment_score":0.17919799472604478},{"text":"So I can","start":119.439995,"end":120.0,"sentiment":"neutral","sentiment_score":0.13864866892496744}],"sentiment":"neutral","sentiment_score":0.143452902790159,"channel":0,"num_words":32,"start":105.315,"end":120.0},{"sentences":[{"text":"Yep.","start":119.939995,"end":120.439995,"sentiment":"neutral","sentiment_score":0.1532461643218994}],"sentiment":"neutral","sentiment_score":0.1532461643218994,"channel":1,"num_words":1,"start":119.939995,"end":120.439995},{"sentences":[{"text":"see the team's gone ahead and applied fixed rated circuit to all the accounts there, which is great.","start":120.0,"end":126.82,"sentiment":"neutral","sentiment_score":0.2593437656760216},{"text":"Now just to 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port?","start":130.105,"end":131.785,"sentiment":"neutral","sentiment_score":-0.0006894362159073353},{"text":"Sorry.","start":131.785,"end":132.285,"sentiment":"neutral","sentiment_score":-0.01215522550046444},{"text":"That primary place of residence that we had listed,","start":134.185,"end":137.645,"sentiment":"neutral","sentiment_score":0.022636813215083547}],"sentiment":"neutral","sentiment_score":0.015849768416956067,"channel":0,"num_words":12,"start":130.105,"end":137.645},{"sentences":[{"text":"Yep.","start":138.495,"end":138.995,"sentiment":"neutral","sentiment_score":0.0288432314991951}],"sentiment":"neutral","sentiment_score":0.0288432314991951,"channel":1,"num_words":1,"start":138.495,"end":138.995},{"sentences":[{"text":"we had you owning that one, and it was valued at about 780,000 with 600 owing.","start":139.385,"end":145.02,"sentiment":"neutral","sentiment_score":0.010339092725189403},{"text":"I just wanted to","start":145.08,"end":145.8,"sentiment":"neutral","sentiment_score":-0.0005939807742834091}],"sentiment":"neutral","sentiment_score":0.00815247802529484,"channel":0,"num_words":20,"start":139.385,"end":145.8},{"sentences":[{"text":"Yep.","start":145.68999,"end":146.18999,"sentiment":"neutral","sentiment_score":-0.018870512023568153}],"sentiment":"neutral","sentiment_score":-0.018870512023568153,"channel":1,"num_words":1,"start":145.68999,"end":146.18999},{"sentences":[{"text":"double check if that was the previous property.","start":145.8,"end":148.94,"sentiment":"neutral","sentiment_score":-0.044892493169754744}],"sentiment":"neutral","sentiment_score":-0.044892493169754744,"channel":0,"num_words":8,"start":145.8,"end":148.94},{"sentences":[{"text":"No.","start":151.93,"end":152.43,"sentiment":"neutral","sentiment_score":-0.15190882980823517},{"text":"So we've sold that property.","start":152.56999,"end":153.87,"sentiment":"neutral","sentiment_score":-0.14127563387155534}],"sentiment":"neutral","sentiment_score":-0.1430478331943353,"channel":1,"num_words":6,"start":151.93,"end":153.87},{"sentences":[{"text":"Yep.","start":154.76001,"end":155.085,"sentiment":"neutral","sentiment_score":0.020975451916456223}],"sentiment":"neutral","sentiment_score":0.020975451916456223,"channel":0,"num_words":1,"start":154.76001,"end":155.085},{"sentences":[{"text":"So that's the one that we're in now.","start":156.085,"end":159.945,"sentiment":"neutral","sentiment_score":0.013178197783418},{"text":"We yeah.","start":160.485,"end":161.205,"sentiment":"neutral","sentiment_score":0.00030327681452035893},{"text":"We paid paid $7.80.","start":161.205,"end":165.125,"sentiment":"neutral","sentiment_score":-0.01449915999546647},{"text":"I don't know what's currently Well, I think I'll check because it did come up on my email just 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insurance too because they said it was about 1.4 at the moment.","start":180.44499,"end":187.165,"sentiment":"neutral","sentiment_score":-0.0167080941002654},{"text":"Is that right?","start":187.165,"end":188.06499,"sentiment":"neutral","sentiment_score":0.014442453160881996}],"sentiment":"neutral","sentiment_score":-0.011867749366771293,"channel":1,"num_words":27,"start":180.20499,"end":188.06499},{"sentences":[{"text":"Oh, And do you know roughly how much might be owing left on 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check.","start":834.645,"end":835.385,"sentiment":"neutral","sentiment_score":0.2663390636444092}],"sentiment":"neutral","sentiment_score":0.3007803410291672,"channel":1,"num_words":4,"start":834.325,"end":835.385},{"sentences":[{"text":"Bye.","start":837.1329,"end":837.6329,"sentiment":"neutral","sentiment_score":-0.11240187287330627}],"sentiment":"neutral","sentiment_score":-0.11240187287330627,"channel":0,"num_words":1,"start":837.1329,"end":837.6329}]},"summary":{"result":"success","short":"During a call with a senior adviser from ATHIC, the adviser confirms personal and address information, updates the customer's financial details, and discusses their employment history. They also discuss retirement savings, income, and investment plans. The adviser discusses their investment strategy and suggests a new option trading at a lower fee, and plans to conduct research and analysis. They mention a potential change to retirement age and provide updated information on fees and the company's membership. The speaker also mentions a glitch in the system and offers to send a third-party authority for a performance review."},"intents":{"segments":[{"text":"Mate, I've just got you in for an annual review. Do you have some time for me this month?","start_word":42,"end_word":60,"intents":[{"intent":"Request information","confidence_score":0.007951787}]},{"text":"Now before I get started, I just wanted to go through a quick security check with you. As always, calls are recorded for training and quality purposes. Do you Mhmm.","start_word":63,"end_word":92,"intents":[{"intent":"Ask for security check","confidence_score":0.00033915575}]},{"text":"Is there anything in particular you're hoping to get out of this year's review? Not really. I haven't had much work this year. So no. Well, I just actually saw it out because I just started to get my tax up. All my tax from the beginning of this financial year went into a different tax thing for some reason, a different sort Yeah.","start_word":161,"end_word":224,"intents":[{"intent":"Inquire about specific tax issues","confidence_score":0.000092359405}]},{"text":"So what I can do is we'll get a authority out just to get the research on that account, and I can get that sorted for you. Yep.","start_word":259,"end_word":286,"intents":[{"intent":"Request authority","confidence_score":0.07366457}]},{"text":"So in terms of other details, you did have the address update as well. So I can Yep. see the team's gone ahead and applied fixed rated circuit to all the accounts there, which is great. Now just to double That's check, good is to that quote. the port? Sorry.","start_word":302,"end_word":351,"intents":[{"intent":"End the call","confidence_score":0.00023151355}]},{"text":"That primary place of residence that we had listed, Yep. we had you owning that one, and it was valued at about 780,000 with 600 owing. I just wanted to Yep.","start_word":353,"end_word":383,"intents":[{"intent":"Assess property ownership and valuation","confidence_score":0.000027523158}]},{"text":"That primary place of residence that we had listed, Yep. we had you owning that one, and it was valued at about 780,000 with 600 owing. I just wanted to Yep. double check if that was the previous property. No.","start_word":353,"end_word":392,"intents":[{"intent":"Check property status","confidence_score":0.0062584076}]},{"text":"I've got a bit of an online estimate that's saying it could be around 900,000. That's just on property.com. Does that sound reasonable? Yeah.","start_word":432,"end_word":455,"intents":[{"intent":"Check insurance estimate","confidence_score":0.04990815}]},{"text":"Well, we've got we've got two cars that we currently own outright. So we've got my car is somewhere about $65 market value at the moment. Yep.","start_word":535,"end_word":561,"intents":[{"intent":"Confirm car value","confidence_score":0.04303199}]},{"text":"I can do a conversion calculation online. 38,000 US looks like just shy of about 54,000 Australian. So that's just, like, comfortable card and stuff, but including, like, house Yep. assets.","start_word":588,"end_word":618,"intents":[{"intent":"Calculate conversion","confidence_score":0.054610327}]},{"text":"And just in terms of employment and so on, there was, I believe, previous work cover claim, and you were saying that there was some contributions going to raise there. I just wanted to update what you're currently doing in terms of occupation, title, and income.","start_word":650,"end_word":695,"intents":[{"intent":"Update employment status","confidence_score":0.14433426}]},{"text":"When it comes to the insurance one, I know you're just saying the insurance has bumped up to that 1.4 mil. There's a bit of a funeral and accident cover on there as well. Are you guys just keeping that one in place for the time being and changes needed? Yep.","start_word":922,"end_word":972,"intents":[{"intent":"Update insurance coverage","confidence_score":0.49317876}]},{"text":"Having looked at the account, it's actually done surprisingly well, to be perfectly honest. We went from a 164,000. There was a Awesome. bit of a drop in March with the Iran war down to a 159, and then it just shot back up to a 180 flat. So it's actually cleared 10% after fees.","start_word":1156,"end_word":1210,"intents":[{"intent":"Analyze portfolio progress","confidence_score":0.016566103}]},{"text":"While I'm at it, I'm thinking I might just update that one investment option that's been dragging its feet just to kind of engine tune up the portfolio a little bit if you're okay for that. Yeah.","start_word":1372,"end_word":1408,"intents":[{"intent":"Update investment options","confidence_score":0.26074222}]},{"text":"We're looking at a few lower fee options, which are a bit more, I guess, passively managed, where it's more of an index fund approach. They follow the LG market a lot closer, a bit more consistent in return, and a lot lower investment fees. Would you be okay for me to consider a bit of a change from that active fund that you've got to a bit more of a lower fee option? Yeah.","start_word":1435,"end_word":1509,"intents":[{"intent":"Look at lower fee options","confidence_score":0.0024032493}]},{"text":"Would you be okay for me to consider a bit of a change from that active fund that you've got to a bit more of a lower fee option? Yeah.","start_word":1480,"end_word":1509,"intents":[{"intent":"Consider change from active fund","confidence_score":0.0061156508}]},{"text":"So might just help as well, like, while you're waiting for, like, work to sort itself out just to kind of minimize investment fee, help the fund grow rather than get Yeah.","start_word":1510,"end_word":1541,"intents":[{"intent":"Evaluate portfolio growth","confidence_score":0.22017163}]},{"text":"Just in terms of the sort of longer term goal, were we looking for a bit of an earlier retirement towards age 60 when you can access your super, or are you the kind of guy that says, oh, look. I always want something to do. I'll go a bit more slow and steady until 67 and the age pension. Yeah.","start_word":1606,"end_word":1666,"intents":[{"intent":"Evaluate long term goal","confidence_score":0.0055251983}]},{"text":"So at this point, we'll just do a bit of an optimization. We won't focus too much on the time that's been twenty one years or more away, and we'll just try and get you in a better position over the next five to ten.","start_word":1696,"end_word":1740,"intents":[{"intent":"Optimize portfolio timing","confidence_score":0.08023937}]},{"text":"Any questions on what we've talked about so far? No. That's pretty straightforward. Cool. Now I've got a little bit of a glitch going on in the system. I was trying to send through an annual review to you just with the performance reports and a few updated service documents for us. Mhmm.","start_word":1809,"end_word":1861,"intents":[{"intent":"Assist with system updates","confidence_score":0.0000013413852}]},{"text":"Now I've got a little bit of a glitch going on in the system. I was trying to send through an annual review to you just with the performance reports and a few updated service documents for us. Mhmm.","start_word":1823,"end_word":1861,"intents":[{"intent":"Review system glitch","confidence_score":0.009138957}]}]},"sentiments":{"segments":[{"text":"Good morning, Bevan.","start_word":0,"end_word":2,"sentiment":"positive","sentiment_score":0.37377870082855225},{"text":"It's Tommy here, senior adviser from. How are you doing today?","start_word":3,"end_word":13,"sentiment":"neutral","sentiment_score":0.25910288095474243},{"text":"Good. Thanks.","start_word":14,"end_word":15,"sentiment":"positive","sentiment_score":0.5452878475189209},{"text":"Yourself?","start_word":16,"end_word":16,"sentiment":"neutral","sentiment_score":0.3084121644496918},{"text":"Right. Living the dream so far. It's a beautiful day on the Gold Coast.","start_word":17,"end_word":30,"sentiment":"positive","sentiment_score":0.6576066017150879},{"text":"What about your end? That's freezing here. Could tell. Could tell. Mate, I've just got you in for an annual review. Do you have some time for me this month? Yep.","start_word":31,"end_word":61,"sentiment":"neutral","sentiment_score":0.06826963275671005},{"text":"Beautiful.","start_word":62,"end_word":62,"sentiment":"positive","sentiment_score":0.4301678240299225},{"text":"Now before I get started, I just wanted to go through a quick security check with you. As always, calls are recorded for training and quality purposes. Do you Mhmm. mind passing on your date of birth and address? Yeah. 25th Of The 6876 Raider Court, Churchill.","start_word":63,"end_word":109,"sentiment":"neutral","sentiment_score":0.04434847459197045},{"text":"Perfect. Thank you so much for that.","start_word":110,"end_word":116,"sentiment":"positive","sentiment_score":0.5968420505523682},{"text":"And I'm registered with ATHIC as adviser 1273105. Now, mate, I've gone through a bit of a a review of your superannuation this morning before the call, and Yep. I've just got some details I wanted to update on your back line together. Mhmm. Is there anything in particular you're hoping to get out of this year's review? Not really. I haven't had much work this year. So no. Well, I just actually saw it out because I just started to get my tax up. All my tax from the beginning of this financial year went into a different tax thing for some reason, a different sort Yeah. of thing. Right. I need Okay. to move that across. Alright. Now was that the name of that one? Was that raised by any chance or a different one? Yeah. Raise. Right. Okay. Cool. So what I can do is we'll get a authority out just to get the research on that account, and I can get that sorted for you. Yep. So raise I'll get a third party authority sent to you for that one. Cool. So in terms of other details, you did have the address update as well. So I can Yep. see the team's gone ahead and applied fixed rated circuit to all the accounts there, which is great. Now just to double That's check, good is to that quote. the port? Sorry. That primary place of residence that we had listed, Yep. we had you owning that one, and it was valued at about 780,000 with 600 owing. I just wanted to Yep. double check if that was the previous property. No. So we've sold that property. Yep. So that's the one that we're in now. We yeah. We paid paid $7.80. I don't know what's currently Well, I think I'll check because it did come up on my email just before. I've got a bit of an online estimate that's saying it could be around 900,000. That's just on property.com. Does that sound reasonable? Yeah. That's that's I mean, that's about what they put changed my insurance too because they said it was about 1.4 at the moment. Is that right? Oh, And do you know roughly how much might be owing left on that? 560. Yep. Sensational. Last couple of questions on the assets and liabilities. We had vehicles worth about 46,000 and about 40,000 worth of collectibles. That was all we had listed for, assets and liabilities. Does that sound about right? Well, we've got we've got two cars that we currently own outright. So we've got my car is somewhere about $65 market value at the moment. Yep. And, yeah, we're about oh, of course, it was where's my account for that? My card collection That's no was about problem. 38,000 US. That's alright. I can do a conversion calculation online. 38,000 US looks like just shy of about 54,000 Australian. So that's just, like, comfortable card and stuff, but including, like, house Yep. assets. Yeah. It's not home and contents or anything like that. Just the collectibles.","start_word":117,"end_word":631,"sentiment":"neutral","sentiment_score":0.02526218339222149},{"text":"Beautiful.","start_word":632,"end_word":632,"sentiment":"positive","sentiment_score":0.5780524015426636},{"text":"Alright. Any other no loans or anything that we don't know about? Nope. Just the voltage.","start_word":633,"end_word":648,"sentiment":"neutral","sentiment_score":0.044278036803007126},{"text":"Perfect.","start_word":649,"end_word":649,"sentiment":"positive","sentiment_score":0.37182945013046265},{"text":"And just in terms of employment and so on, there was, I believe, previous work cover claim, and you were saying that there was some contributions going to raise there. I just wanted to update what you're currently doing in terms of occupation, title, and income. Yeah. Nothing wrong because we've been fighting with water cover about that the last year, so I haven't had any Yep. income. Okay. Alright. So no income there. And then you're just kind of living off savings at the moment, so how's that been going? Yep. Yep. Pretty much a lot. Yep. No worries. And then just in terms of family, we do have Emma and two children with, like, Three. a will in place and everything like that. Three.","start_word":650,"end_word":775,"sentiment":"neutral","sentiment_score":0.04570619123322623},{"text":"Fantastic. Congratulations.","start_word":776,"end_word":777,"sentiment":"positive","sentiment_score":0.768851637840271},{"text":"I've just had my third as well. So if I'm a little bit groggy on the phone, then you'll know why. Alright. That's all updated.","start_word":778,"end_word":802,"sentiment":"neutral","sentiment_score":0.0764203891158104},{"text":"Thank you so much for that, mate.","start_word":803,"end_word":809,"sentiment":"positive","sentiment_score":0.7110475301742554},{"text":"Outside of that, any other kind of main focuses for you for the next couple of years? Yeah. Yeah. Well, I've gotta wait and find out what I'm allowed to do from this work cover thing because I'm not allowed to work because of medication. So Yeah. I'm I'm stuck at the middle of not being able to do anything. So Obama. I'm waiting waiting for a resolution on that, and then I'll just stop going to the doctors, I suppose, and get not I have to deal with capacity certificates. Does that really lead with any choice? Oh, yep.","start_word":810,"end_word":909,"sentiment":"neutral","sentiment_score":-0.1092553660273552},{"text":"Those can't be very fun.","start_word":910,"end_word":914,"sentiment":"negative","sentiment_score":-0.3636223077774048},{"text":"Alright. So I've got that updated there. When it comes to the insurance one, I know you're just saying the insurance has bumped up to that 1.4 mil. There's a bit of a funeral and accident cover on there as well. Are you guys just keeping that one in place for the time being and changes needed? Yep. No. That's all that's all staying at the moment. So that's a house and contents with both cars through Shannon's, and then my life insurance Yep. and funeral insurance is through insurance line. I'm gonna be on my last letter. One thing.","start_word":915,"end_word":1014,"sentiment":"neutral","sentiment_score":0.0017847089329734445},{"text":"Perfect.","start_word":1015,"end_word":1015,"sentiment":"positive","sentiment_score":0.36699825525283813},{"text":"Alrighty. So when it comes to the superannuation, quick little bit of a review step back here. So you're in a high growth portfolio in the super. So Yep. we're aiming for a bit over 90% in growth assets, and that's like your shares, property, goals, the kind of high risk, high return, and a small portion in the safer side of things, aim there is to consistently get those high Mhmm. high long term returns of about 10% or above is kind K. of your benchmark. Now in the good years, high growth tends to go up ten, twenty, 30%. Once every seven years, there's some kind of COVID or GFC and the market crashes 30% or so, and we basically wanna get that good double digit average over 10 at a time. Does that make sense? Yes.","start_word":1016,"end_word":1154,"sentiment":"neutral","sentiment_score":0.20175098461641683},{"text":"Cool. Having looked at the account, it's actually done surprisingly well, to be perfectly honest. We went from a 164,000. There was a Awesome.","start_word":1155,"end_word":1178,"sentiment":"positive","sentiment_score":0.5164517164230347},{"text":"bit of a drop in March with the Iran war down to a 159, and then it just shot back up to a 180 flat. So it's actually cleared 10% after fees.","start_word":1179,"end_word":1210,"sentiment":"neutral","sentiment_score":0.2165130376815796},{"text":"Now when I'm looking at the individual options themselves, so good return, consistent with what we're aiming for, that's perfect.","start_word":1211,"end_word":1230,"sentiment":"positive","sentiment_score":0.5640646815299988},{"text":"There was one option, the Benelon option. Your Australian shares have kind of been dragging its feet a little bit. Every other option has kind of done pretty well. You've got some battery tech and lithium there, which is electric vehicle, and that has Yep. shot up 47%. Gold had shot up quite a bit too. Cybersecurity, your other Australian shares, the only sort of slow ones with the Chinese shares and a bit of property. Yeah. What I'm thinking of doing is when we get the research back to Ray and do the reconsolidation, I will be sending you a bit of an updated strategy just showing the figures and differences so you've got that there for your records before we can touch anything, and just Yep. make sure you're comfortable to sign off on that before moving it. While I'm at it, I'm thinking I might just update that one investment option that's been dragging its feet just to kind of engine tune up the portfolio a little bit if you're okay for that. Yeah. Yeah.","start_word":1231,"end_word":1408,"sentiment":"neutral","sentiment_score":0.03772138059139252},{"text":"It's fine. Cool.","start_word":1409,"end_word":1411,"sentiment":"positive","sentiment_score":0.42662566900253296},{"text":"And I have been keeping my eye on different options in that space. So I have noticed this on a few people's account. We're looking at a few lower fee options, which are a bit more, I guess, passively managed, where it's more of an index fund approach. They follow the LG market a lot closer, a bit more consistent in return, and a lot lower investment fees. Would you be okay for me to consider a bit of a change from that active fund that you've got to a bit more of a lower fee option? Yeah. So might just help as well, like, while you're waiting for, like, work to sort itself out just to kind of minimize investment fee, help the fund grow rather than get Yeah. eroded away by fees. That's it. Cool. So we'll get the research for that. I'll do an updated comparison, judge up the portfolio a little bit, and get that through to you. I am off next week, but they'll be doing the research during that week, and then I'll get you booked in to run through that plan with me. Yep. No problem. Sure. Just in terms of the sort of longer term goal, were we looking for a bit of an earlier retirement towards age 60 when you can access your super, or are you the kind of guy that says, oh, look. I always want something to do. I'll go a bit more slow and steady until 67 and the age pension. Yeah. Well, I know it's, yeah, it's gonna depend entirely on the outcome of all this stuff if I'm not allowed to go back to work or not. So Yeah. So at this point, we'll just do a bit of an optimization. We won't focus too much on the time that's been twenty one years or more away, and we'll just try and get you in a better position over the next five to ten. Yep. Yeah. Yeah.","start_word":1412,"end_word":1743,"sentiment":"neutral","sentiment_score":0.10901057486792644},{"text":"That's that's cool. Perfect. And they're still listed as your beneficiary for the super, so all the estate Yep. planning looks pretty good.","start_word":1744,"end_word":1766,"sentiment":"positive","sentiment_score":0.5029228329658508},{"text":"And, again, while work is in flux, we can't really look at anything in terms of, like, income protection insurance or anything like that. That would be kind of on hold until afterwards at the very least. Yep.","start_word":1767,"end_word":1804,"sentiment":"neutral","sentiment_score":-0.012471260502934456},{"text":"That sounds good.","start_word":1805,"end_word":1807,"sentiment":"positive","sentiment_score":0.34766921401023865},{"text":"Cool. Any questions on what we've talked about so far? No. That's pretty straightforward. Cool. Now I've got a little bit of a glitch going on in the system. I was trying to send through an annual review to you just with the performance reports and a few updated service documents for us. Mhmm. We have updated our fee structure just as of this week. So just to let you know, because you're sitting at a 180,000, we normally charge the the 1.65% spread throughout the year monthly. But Yep. when you go above 200,000, Sevvy and Bart have added a bit of a tiered fee structure. So what that means is 300 to 500,000, the percentage gets lower. 500,000 to a million, it gets lower again, and we just provide percentage discount for every tier after 200,000. Okay. Cool. Cool. So the documents that'll come through today, I'll send you a text when they do get through the system. Again, performance reports, service guides, The service agreement for this year will be the same as it was last year. And then at the next review, you should have crested over 200,000, and you'll Yep. start to get those discounts then as well.","start_word":1808,"end_word":2010,"sentiment":"neutral","sentiment_score":0.005831036251038313},{"text":"Beautiful.","start_word":2011,"end_word":2011,"sentiment":"positive","sentiment_score":0.41984063386917114},{"text":"Cool. Any questions for me before I let you go back to your No. No. I'm all good. day? Easy done. If the team needs anything when it comes through the raise, again, I'll send you that third party authority. You may just need to put your your member number back on there Yep. while you sign it. And before we implement anything, we'll probably just get some updated ID if it hasn't signed previously. Yeah.","start_word":2012,"end_word":2087,"sentiment":"neutral","sentiment_score":0.04359472915530205},{"text":"Awesome, mate. Thank you so much for your time today.","start_word":2088,"end_word":2097,"sentiment":"positive","sentiment_score":0.6123207807540894},{"text":"I will probably talk to you in about a fortnight's time after all that's been compared and put together for you. And Yep. if you need anything in between, just give us a buzz. I have Verizon.","start_word":2098,"end_word":2134,"sentiment":"neutral","sentiment_score":0.208962082862854},{"text":"Thank you. Awesome, Bevan. Have a great day, mate. Cheers. Jeez.","start_word":2135,"end_word":2145,"sentiment":"positive","sentiment_score":0.7490090131759644},{"text":"Let me check. Bye.","start_word":2146,"end_word":2149,"sentiment":"neutral","sentiment_score":0.2631836533546448}],"average":{"sentiment":"neutral","sentiment_score":0.0890485479476604}}}}