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Is now still a good time there for you? Fantastic. Before I jump into the call, I do need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just to do a quick security check there with you as well, we are discussing your personal information. So I'll just get you to confirm your full name, your date of birth, and address I should have on file. K. Beautiful. Thank you so much for that. And, Rosalie, you just had a birthday. Happy birthday for July. Did you do did you do anything fun, go out for dinner, or anything nice? No? Oh, that's a shame. Oh, that's a shame. That's all good. Well, but, normally, when we send through so, normally, when we do the annual review, we send through some documents to your email. Are you able to access your email there at the moment? If you can, it's honestly okay. Yeah. You're right. Not a problem. I'll just send this one through to you there. There we go. It's coming through from Odoo Time. I believe it also comes through from Dana at Odoo Financial. Perfect. That's okay. Not a problem. It may have also gone through to your junk mailbox. Sometimes I get directed there as well. You've got it there? Fantastic. So when you open that email there, it'll it does have a button that says sign to continue or sign. If you press that button, it'll allow you to move forward so you can see the documents there. I will never ask you to sign anything you haven't read. It's just so we can kinda review the documents together. Okay? Excellent. So the first one there when you can see it, I should say summary of superannuation and insure oh, sorry. In superannuation as of the 08/26/2026. So that's when we completed those documents. When I look back at your annual review last year, now your balance back in 2025, we were sitting at about 110,149. So we're up to about a $135,001.92 and 88¢ now. So it is good. We have seen a bit of an increase, albeit the markets have been a little bit up and down this year with everything it has been going on. So we do understand that there are gonna be years, but maybe the returns probably aren't as positive as what we've But it's about maintaining, you know, substantial growth and making sure it is working towards your goals at the end of the day as well. The other thing I sort of wanted to point out was we had sent an email to you back in about March. Do you remember receiving an email in relation to one of your investments? Or no. Yeah. Yeah. That's okay. If you like, I can always re email through to you. It's not a problem at all. Essentially, if you scroll through to the next document for me, the next one is your asset performance detail report, and it does kinda go through all the individual investments. Now having a bit of a look at this, and I ran through things before the call, essentially, everything has been working really, really well. We have seen some really good leasing growth this year, albeit it is a much lower return. So, essentially, the growth that we have seen net of fees this year is about 3.60%. So it is a lower growth rate than what we would sort of like to see, but to come out after the last twelve months and still see a positive return with everything that's been going on with The US and the Iran war, plus high inflationary rates and also changes to the tax legislation here in Australia, there has been a lot sort of going on that has had an effect on the markets there. The other thing that we sort of noted and what we the main reason we sent that email to you in March was you originally have the Benelon Australian Equities Fund. That was actually completely sold out of your portfolio. We sorta had noted earlier this year that that investment was sorta underperforming as well. It was underperforming because of its own issues within the fund, and we've actually moved you into the investment noted underneath that, which is the BetaShares a 200 ETF. So if you're looking at the first page of that, you've got your headings asset, cash, alternative investments, and Australian equities. Can you see those headings in blue? That's okay. You're fine. Beautiful. So under those, the Australian Equities Investment, you've got your Benelon Australian Equities Fund. That's the one that you've actually had in your portfolio over the past couple of years, which is not performing as well. So we sold that off and removed it out. The one you now hold within your investment still giving you exposure to the Australian market is the BetaShares Australia 200 ETF. One of the good things about this investment is that it's actually giving you greater diversification. So one of the things we'd like to make sure that we can do is to invest in as many different countries, different areas, different asset classes, and different count companies as possible. So diversifying your portfolio and spreading your risk level as much as we possibly can, and that helps to lower the overall risk of the portfolio. The BetaShares Australia 200 has performed much better than Benelon, hasn't been underperforming, and it's actually giving you exposures to the top 200 companies on the ASX. So it's actually giving you greater diversification by having this investment in there, and it's actually a bit cheaper than holding the Bennelong Australian equities as well. So it is reducing your investment fees within the portfolio as well, which is a really good positive sign. Yeah. So the other thing I sort of wanted to touch on today was I know last year, we were trying to look at providing new advice, and we kind of weren't able to get the information required to complete that. So I do wanna look at making sure that that is completed this year for you. I just sort of wanted to look forward to your goals. And whilst we have made these changes within your super fund, I wanted to reassess whether you're in the right risk level, whether we need to maybe make some alterations, and how we kinda provide a greater benefit for your retirement. I originally sorta had it noted here that you were hoping to be able to access your super around about age 67. Is that still fairly accurate? What what age are you sorta hoping to be able to retire? Around then? Okay. And yeah. No worries. What kind of car did you buy? Oh, fantastic. And you purchased that on a loan, so you've got six years to pay the loan down? Yep. That's okay. And do you think it'll probably take you about the six years to complete the loan, or do you are you gonna try and pay more onto it to pay it down faster? Yep. Okay. No worries. Yep. That's okay. Not a problem. And with the Ford Everest, how much did you pay for that? What's the value that? Wow. Nice car. Is it good? Is it good to drive? Yeah. Oh, fantastic. Is it kind of your plan to utilize that for traveling? Or yeah. Understandable. Absolutely. And how much do you have sitting on the loan? Did you borrow the full amount of the vehicle or just the portion of it? Most of it? That's okay. How much do you have owing on it still? No. That's okay. I'll just note down essentially because you borrowed most of it. Are you comfortable if I just note down maybe the 400,000 being borrowed, and we can kinda work from there for you? Yep. Beautiful. Excellent. And you also made mention there that you're wanting to buy a caravan. Is that something you're wanting to do with some of the funds within your super when you retire, or are you planning to save outside of super to be able to purchase the caravan? Yep. Yeah. No. That's okay. And then last absolutely. Do you know how much the caravan's expecting to cost? Yeah. Yep. And you're sort of after something you can take off road and enjoy with all the mod cons? Yep. That's okay. Yeah. No. Understandable. And then having a bit of a look back at your goals recently over the last couple of years, something that yourself and John had sort of pointed out was that you was were sorta also hoping to use about 400,000 to buy a house out of your supers. Is that still something that you're both sort of looking to maybe do, or are you sort of not thinking that's the way to go? What's your thoughts with that goal? Yep. That's okay. So with that one there because it said here that you were sort of hoping to essentially use about 400,000 between the two of you to purchase a home and then live off income out of super with the amount that are left over. In order to look at doing that, we would need to look at ways to be able to boost your super fairly considerably to get that up. Are you open to salary sacrificing or making additional contributions to super to kind of help provide that boost and get more money into super for the long term? Okay. So in six years' time. Oh, your car. Okay. Beautiful. No. Understandable. What I would look at doing for you, if you would like, is I could always update the advice to reflect maybe making additional contributions. We can look at providing that advice now if you decide to sort of hold off until next year to make those contributions. That's honestly fine and up to yourself. But it is just about providing the advice and showing you the benefits of those additional contributions, what it can look like over the next couple of years towards your retirement goals. It provides you with the advantages, the disadvantages, and the risks involved so you have all the information to be able to take forward and make that decision. Does that sound like something you'd be open to? Okay. No. That's okay. If you like, what we can do is we can just maybe hold off the advice around the contribution aspect, and we can maybe touch base early next year and rediscuss that. Would that be more appropriate, more comfortable for you? Okay. Yep. Beautiful. Okay. Okay. So some additional funds coming in there. And is that John's business that's closing down? Or Yep. Yep. Yep. No worries. No worries. Do you know roughly when that's expected to receive back in super? Okay. Yes. Okay. No worries. It sounds like you're going through a little bit there. It's a bit of a well, hopefully, that all gets sorted fairly soon there for you. I'll make a note that we can touch base on that again early next year. So maybe if we sit down and do a catch up in about six months' time, that brings us to about the March 1. We can reassess contributions, look at where you're at with that $20,000 deposit as well, and we can always factor into the advice how to make that $20,000 deposit into super to benefit you the most. Does that sound okay? Perfect. I'll say the March 1. Excellent. Fantastic. The other thing to sort of have a look at now, you kinda did mention last time that you were hoping to access Uber at around about age 67. The with you having that new loan, and you kinda mentioned you wanted to have the Ford Everest paid off prior to you retiring. Is that right? Yep. Yep. Nearly paid off. That's okay. Because being that you're 62 years of age now, essentially, up to age 67 gives you five years away. So are you more likely to maybe work a little bit longer than age 67, or are you definitely wanting to stop work at 67? That's kind of a not, you know, not something you wanna change? Working a bit longer. Yep. That's okay. Perfect. Excellent. What I wanted to do as well is just run through a quick risk profile questionnaire just to kinda gauge where you're sitting because you are in more of a growth kind of portfolio. You you are sort of seeing about 80% of your super in those growth assets. So I think things like Australian shares, international shares, property, and then some, you know, gold and silver and commodities and precious metals in there as well. So in that kind of environment, it does suit someone who has at least six years before accessing their super. Realistically, with that 80% invested in those growth assets, you are sort of hoping to obtain around about a seven to 9% on a yearly basis, but we understand the likelihood of a negative return is expected kind of one in every five years as well. So that's sort of why when you are about sort of five to six years from accessing your super that we wanna start looking at trying to reduce the risk level a little bit for you to kind of start protecting your capital there. But it also comes down to are you more likely to actually retire at 67, or are you, you know, happy to work a little bit longer? So if we sort of got close to, you know, age 65 or 66 and we saw a bit of a market dip and things weren't really, performing as well, are you open to working to age 67, 68, 69, 70 to kind of allow your portfolio to come back, or are you more, you know, ready to retire, you've had enough, and you really wanna stop working? How do you think you might sort of act in that scenario? Yep. Not before 06/08. Yep. That's okay. Perfect. The other sort of question I have here is thinking about your super and the type of risk level that you are taking, do you consider yourself comfortable taking on a higher level of risk in the market to try and get greater potential returns? Are you maybe comfortable taking a moderate or medium amount of risk to get the best returns possible, or are you not very comfortable taking risk in the market and knowing the returns are lower because of that? Where do you think you sort of fit there? You would? Yep. That's okay. Comfortable taking on a higher level of risk to get greater potential returns even though you are aware there is a downside as well. Does that sound okay? Yep. Beautiful. Another fun one for you. If you saw the mark fall by 20% in the next one to two years, how do you think you might react? Do you think you'd be wanting to put more money into the super, make take advantage of the downtime? Are you a bit concerned and maybe holding and waiting and calling us to see what we think you should do? Or are you feeling really concerned and wanting to maybe sell your investments to cash? How do you think you might react? Yep. Beautiful. Excellent. Excellent. The next one here is have you ever seen your super fall in value in the past? So thinking about market dips because we understand they do happen. And over the next, you know, five, six to ten years, there is going to be some sort of a market dip. We know that that is a possibility. How do you think you might feel if you saw your super falling value? Are you feeling optimistic about the investment opportunity? Money you wanted to put some money into the market? Are you cautious, concerned, or feeling anxious? How do you think you might be feeling? Yeah. Yep. That's okay. No. That's okay. Is it it sounds like you're you're not sort of really concerned or anxious. Do you think you'd be maybe just cautious or optimistic? Where do you think you fit on that scale? Optimistic? I love it. And the last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds, or would you only ever wanna borrow for, say, property? Nothing is unfortunate. There's no such thing as a safe investment. They're all going up and down. Yeah. You have? Yep. Your money? Yeah. Yeah. Right. Yep. Okay. Yeah. Perfect. So it's a different sort of way of borrowing to invest. Yeah. Absolutely. Yeah. Beautiful. How did you find that when you did it? Was it something you would ever do again, or you were quite happy doing it back then and never again? How did you find it? No. No. That's okay. And when you because one of your goals is to be able to draw money out of both of your supers to purchase a property down the track. Would that be your main primary residence, or would you be sort of focusing on borrowing to, in like, to rent the property out? Yep. Yep. Yeah. Absolutely. Perfect. Excellent. Well, thank you for that. Now you have scored in that kinda growth environment, that range, and that's where you're sitting at the moment with that 80% and those growth assets. We always like to make sure you do have some lower risk defensive investments in your portfolio. And in a growth environment, you'd expect about 20% invested in cash, bonds, and fixed interest. So it's about having a mix of high risk investments to get growth, but also some lower risk investments for defensiveness. So when, you know, the shares or the market might be a bit volatile, some of those lower risk defensive investments should be income producing and fairly steady to help even out market returns over the longer term there. Are you fairly comfortable staying in that for a few more months and we maybe reevaluate that in six months' time, or would you like to start reducing your risk level now? How do you feel? Yep. Beautiful. Beautiful. Well, what we'll do is I'll put a little marker aside that will touch base in March. We'll do a bit of a six month review with how things are tracking within your super, look at making additional contributions, and look at what we can do moving forward, and maybe update the advice to reflect everything then. How does that sound? Yep. Beautiful. Excellent. Now the only other thing to kinda look at with regard to those documents that we were looking at before is you don't have any personal insurances, the life TBD, income protection, protection trauma, essentially, given not having any of those. Are you happy not having any personal insurances? Did you wanna sort of talk about what they are, how they can provide benefit, or are you just comfortable in trying to boost your super for retirement? What's your thoughts there? Okay. Yep. That's okay. And is that just paid out of your back pocket? Yep. That's okay. Beautiful. Life insurance paid personally. Beautiful. How much are you covered for with life cover? You've made it feel worse more. Alright. The smoke is right. Yep. Mhmm. Yes. Smoke is right. Yes. That makes it very expensive. When he stopped for twelve months, they might be willing to review that for him. Yeah. Oh, good on him for stopping. That's fantastic. It's not easy. Beautiful. So a 150,000 there. Excellent. And who's the insurer of the policy? Who's it insured with? I'm so sorry. Can you repeat that for me? Golden Life Insurance. Perfect. Yeah. And you just pay the pre sorry. Fortnightly. Yep. That's okay. And are you happy just keeping that aside and kind of altering it as you need to? Did you want us to look at maybe adding a third party authority to help you kinda look after the policy? Or yep. Yeah. Absolutely. Yeah. Absolutely. That's not a problem at all. Beautiful. Excellent. The other thing this will look at is the beneficiary side of things. So I'm just having a quick look at your super to have the beneficiaries. Now just kind of reaffirming, have you guys spoken about doing up a will, power of attorney documents, estate planning, or seeking the services of a solicitor to draw off any of those documents? No. That's okay. Would you like us to resend the documents to you, and would you like me to help by preselling them for you as well? Yep. Fantastic. Not a problem. So, yeah, I can see there's no beneficiary noted on file here. So if in the event that something was to happen to you, where would you like your super directed to? John? Beautiful. And we do have all John's details here. Are you happy for us to prefill the document with his information for you to make it easier? Yep. Beautiful. I will just double check that I have everything correctly. What's his date of birth just to confirm? 1967. Beautiful. Thank you for that. You're 70. No. But I will update that. Congratulations. When did you get married? Wow. Well, congratulations. That's fantastic. Yep. Beautiful. I'll make an update there. So married. Excellent. Now is your surname remaining the same under Patterson? Did you need to update any of those details? No. That's okay. Yeah. No. Understandable. Not a problem at all. So I'll make a note here that we'll get the beneficiaries prefilled for you and sent out. Now just to kinda go through a couple of details, there are some additional things to think about when you are nominating a beneficiary, and one of those is essentially what kind of beneficiary you want nominated. They have three different kinds. They have nonbinding, which means that you can tell the trustee what you want, but, ultimately, they make the call and can decide which way they're gonna go with the the benefit payout. You also have a binding lapsing, which makes the trustee follow your direction, but you have to update the form every three years, or they have a binding non lapsing, which means we can fill it out now, have it on file or on file with the super funds. It is binding the trustee to follow your direction, and you don't have to refill the format unless you wanna alter your nomination. Do you know which way you would be comfortable going? Yeah. We'll fill it out once and make it easier. I like it. Fantastic. And I'll make a note here that you are discussing doing up your power of attorney and will and everything as well. Okay? Having that done. Beautiful. Other than that, I just need to run through and update some additional details with your assets and liabilities on file. Now we had it noted here. I've got your Ford Everest there, which is fantastic. I also had last time a Subaru CXU. Is that your vehicle that you're currently paying a loan off? Yep. Beautiful. I'm just gonna note that over here as well. And you said that's due to be fully paid off around November. Is that right? February next year. Beautiful. Excellent. And, roughly, what kind of value would you put on that Subaru CXU at the moment? If you had to sell the asset, what would you want for it? That's okay. I can quickly pull up some no. That's okay. So having a look here at the moment, it's sort of saying average valuation Around about 20 to 22,000 currently. Yep. That's okay. Did you want me to put 30 down? It's whatever value it is to you that's important. No. Absolutely. I'll note down that as 30. Not a problem. And do you know how much you still have on the loan that will be paid off? No. That's okay. Not a problem at all. The other thing I had down here was your rent. You were paying about $680 per week last year. Has your rent gone up or down or altered in any way? Beautiful. Fantastic. And I've also got a personal loan down here, and the amount you had owing on that was around about 6,437 last year. Has that reduced a little bit? Yeah. That's that's okay. You're fine. Oh, beautiful. Fantastic. In November. Beautiful. I had also contents down here. So an estimated value of contents at about 100,000. Would you keep your contents valued at about 100 thousand? Yep. Beautiful. And then I also had noted down here a credit card. We had a limit of 8,000 and owing about 7,000 at the time. About the same? Beautiful. Thank you for updating that. Is there any other assets or liabilities or anything else you would think we should note down here at all? Nope. That's okay. Beautiful. Thank you so Bye bye. In joint names. Okay. The orange 50 percentage. Yep. Beautiful. Thank you so much for that. Really appreciate it. Excellent. So we've pretty much covered off most things. Your super is working quite well. The obviously, the return is a bit lower than expected this year, but there has been some adjustments made to the portfolio. So we'll just kinda keep monitoring that. You're fairly comfortable remaining in that growth kind of environment for another few months. We'll reassess things in March and also consider additional contributions and further goals there. You've kind of made note to me that you're more realistically wanting to retire at age 67, but happy to keep working longer and probably will work a little bit longer as well. And I'm back last year, we also had it noted that in retirement, you were looking to live off about a thousand dollars combined, so roughly 500 per week from each of your supers. Does that still sound fairly accurate? Yep. No. That's okay. Yeah. I mean, you'll be retired. You can live wherever you want. Going back to South Australia. Perfect. Beautiful. I had a notice of a while ago that one of your medium term goals with the caravan was you were expecting to pay around about 60,000 for that. Does that sound fairly accurate? Do you think that might cost a bit more when you get to purchasing the caravan? Yep. Yeah. Okay. Yep. Beautiful. Lovely. I've got down here that with insurance wise, you're not looking at getting any new insurances. You're happy with the life cover you have paid out of pocket or paid personally. Is that sound right? Is that anything else there that you think I've missed or wanted to kinda touch on? Or no. Excellent. Weird. Yeah. Absolutely. And if you wanted to, I could make it a joint conversation with yourself and John so we can kind of look at doing things jointly. That way, we kind of get an idea of where you're heading together. It's a personal opinion. You don't have to do things jointly, but that's always an option if the two of you would like. I'm more than happy to set that up for you. Yeah. Beautiful. No. That's okay. That's completely understandable. The only other documents we have in there for you are the financial services guide, which outlines everything about who we are, what we do, how we do it. It also notes our fee structure. So, obviously, you're an ongoing service client, so it does mean you pay a fee for our services, trust looking after your super, making changes, and working towards your goals, and providing additional advice there. The ongoing service fee has been 1.65 percent ongoing for the last few years. Currently not changing at all, but moving forward, we're gonna have more of a tiered structure. So when your super balance hits over 200,000, you'll essentially move into the next tier, and any and the fee will drop to 1.375, essentially. So moving forward to be more of a tiered structure, the idea is we wanna make sure your balance is increasing and meeting your goals, but also making sure that we're able to be paid for our services. The cost of advice and everything around business has gone up. This is the cost of living has gone up for everybody, so we need to make sure that our ongoing service fee is more in line with that. And our ongoing service fee, the documents have always outlined an approximate fee. Moving forward, our fee will be much more stipulated. So, essentially, we'll work out how much you will pay for that year. It'll be set as a set a fixed dollar figure amount, and you won't pay more than what we state in the ongoing service agreement. So it'll also give you a lot more structure around the expectation there. Okay? Excellent. So the last document is the ongoing service agreement there. Because your balance is under that 200,000 still, it's still the 1.65%. So no additional changes there. It's just noted as a fixed dollar. So we know for this year, the total fee payable to us will be $2,342.22. That is the total for the full year, and it will be deducted in smaller monthly increments out of your super. That way, you sort of understand. I just wanna make sure that, you know, moving forward, I can do the catch up with you in March so we can make sure we're providing that advice and moving forward and helping you along. Because you are getting closer to retirement, it's really important to me that you're able to reach your goals and be able to access your super to do the things you want. The only goal that I am sort of concerned might be very hard to achieve is the utilizing your super to purchase a home. That could decrease your super very heavily, but I'd like to reassess that goal jointly with you both if you're comfortable to do that. Okay? Yep. Beautiful. I've got everything sort of sorted here. So once you've kinda gone through those documents, if you're comfortable to, we'll ask you to sign and return those back there for us just so we can keep providing our services and looking after everything. Did you have any other questions or anything I haven't touched on that might have been important to you there, Rosalie? No. No. That's okay. Yeah. That's correct. Yeah. And it should just take you through so you can click on the button to press the sign, and it should prepopulate your signature for you to make it easier. What's it doing for you? Yeah. You do. So if you click on the button that says name or signature, it should allow you to prepopulate it. It should come up with a little sign. Yep. If you click on it is it doing anything if you click on it? I don't think so. I'm so sorry. Okay. Perfect. It's the September 1. Yeah. It's crazy. The year is flying by. That's okay. And then if you press next or finish at the very bottom, it should allow you to come back through. Oh, yeah. That's just letting you know that we do hold your tax phone number. So just basically the privacy around doing so and just making sure that you're comfortable with us doing that still. No. That's that's okay. You're fine. Perfect. And then is there a button that says next or finished? Or Yep. Oh, excellent. Yeah. That's that's okay. My systems have been a little bit slow today too. I think it's the September 1 blues. The computers are all aware of it. Here we go. Are you getting some time off over Christmas in the next few months, or do you have to work all the way through with your job? Yeah. Okay. Beautiful. And have you got a pay rise at all? Had you down about 90,000 last year. Have you managed to get a pay rise in San at all? Beautiful. Yep. And you do quite a bit of overtime penalties. Yeah. Yes. Yeah. Excellent. And the last sorry. You're right. Yeah. No. That's all good. And that email has just come through to me there as well, Rosalie. Thank you so much for that. Yeah. Oh, fantastic. That's excellent. And then lastly, when we caught up, you were hoping the pay rises on the the forefront, but hadn't really had any confirmation yet. That's really good. Mhmm. Yep. Beautiful. No. Well, that is fantastic. Well, look. Thank you so much. So that the email has come through. That's all signed. What we'll do is I'll hold everything for the moment as it is. I'll just keep monitoring things moving forward, and then I'll have a little task. My team will touch base probably end of February to book you in in around about March, and we'll probably see if John wants to be included in that. And we can maybe do a a bit of a conversation around how we boost sleep and what we do goals wise for the both of you. How does that sound? Beautiful. Not yet. I will double check when for you. Okay. What I'll do is I'll go back and double check. Is that is he not feeling well or just sleeping? Oh, okay. Yeah. That's absolutely fine. It's not coming up for me. I will go back and double check, and I might just get the team to touch base anyway with him. We'll book in his annual review in the next few weeks. That way, we can kinda get everything on track and kind of align everything for the two of you a little bit better. How does that sound? Yeah. Beautiful. That's okay. We'll send text messages and emails as well. No need to worry. We'll make sure we get a hold of him. But, honestly, thank you that's okay. Well, thank you so much for your time today, Rosalie. I'll let you go to enjoy your day, and I'll touch base with you in about March. And we'll see how things are going then and update the advice to the both of you. Okay. My pleasure. You enjoy your day. Oh, wow. Well, you enjoy your afternoon. Don't work too hard, and I hope you have a lovely weekend ahead. My pleasure. Talk thank you, Lar thanks, Leslie. See you later. 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Rosalie. This is Dana from Oakview Financial. How are you this afternoon? I am very well. Thank you.\n\nI had you booked in to go through a bit of an annual review this afternoon. Is now still a good time there for you? Fantastic. Before I jump into the call, I do need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nFantastic. And just to do a quick security check there with you as well, we are discussing your personal information. So I'll just get you to confirm your full name, your date of birth, and address I should have on file. K. Beautiful.\n\nThank you so much for that. And, Rosalie, you just had a birthday. Happy birthday for July. Did you do did you do anything fun, go out for dinner, or anything nice? No?\n\nOh, that's a shame. Oh, that's a shame. That's all good. Well, but, normally, when we send through so, normally, when we do the annual review, we send through some documents to your email. Are you able to access your email there at the moment?\n\nIf you can, it's honestly okay. Yeah. You're right. Not a problem. I'll just send this one through to you there.\n\nThere we go. It's coming through from Odoo Time. I believe it also comes through from Dana at Odoo Financial. Perfect. That's okay.\n\nNot a problem. It may have also gone through to your junk mailbox. Sometimes I get directed there as well. You've got it there? Fantastic.\n\nSo when you open that email there, it'll it does have a button that says sign to continue or sign. If you press that button, it'll allow you to move forward so you can see the documents there. I will never ask you to sign anything you haven't read. It's just so we can kinda review the documents together. Okay?\n\nExcellent. So the first one there when you can see it, I should say summary of superannuation and insure oh, sorry. In superannuation as of the 08/26/2026. So that's when we completed those documents. When I look back at your annual review last year, now your balance back in 2025, we were sitting at about 110,149.\n\nSo we're up to about a $135,001.92 and 88¢ now. So it is good. We have seen a bit of an increase, albeit the markets have been a little bit up and down this year with everything it has been going on. So we do understand that there are gonna be years, but maybe the returns probably aren't as positive as what we've But it's about maintaining, you know, substantial growth and making sure it is working towards your goals at the end of the day as well. The other thing I sort of wanted to point out was we had sent an email to you back in about March.\n\nDo you remember receiving an email in relation to one of your investments? Or no. Yeah. Yeah. That's okay.\n\nIf you like, I can always re email through to you. It's not a problem at all. Essentially, if you scroll through to the next document for me, the next one is your asset performance detail report, and it does kinda go through all the individual investments. Now having a bit of a look at this, and I ran through things before the call, essentially, everything has been working really, really well. We have seen some really good leasing growth this year, albeit it is a much lower return.\n\nSo, essentially, the growth that we have seen net of fees this year is about 3.60%. So it is a lower growth rate than what we would sort of like to see, but to come out after the last twelve months and still see a positive return with everything that's been going on with The US and the Iran war, plus high inflationary rates and also changes to the tax legislation here in Australia, there has been a lot sort of going on that has had an effect on the markets there. The other thing that we sort of noted and what we the main reason we sent that email to you in March was you originally have the Benelon Australian Equities Fund. That was actually completely sold out of your portfolio. We sorta had noted earlier this year that that investment was sorta underperforming as well.\n\nIt was underperforming because of its own issues within the fund, and we've actually moved you into the investment noted underneath that, which is the BetaShares a 200 ETF. So if you're looking at the first page of that, you've got your headings asset, cash, alternative investments, and Australian equities. Can you see those headings in blue? That's okay. You're fine.\n\nBeautiful. So under those, the Australian Equities Investment, you've got your Benelon Australian Equities Fund. That's the one that you've actually had in your portfolio over the past couple of years, which is not performing as well. So we sold that off and removed it out. The one you now hold within your investment still giving you exposure to the Australian market is the BetaShares Australia 200 ETF.\n\nOne of the good things about this investment is that it's actually giving you greater diversification. So one of the things we'd like to make sure that we can do is to invest in as many different countries, different areas, different asset classes, and different count companies as possible. So diversifying your portfolio and spreading your risk level as much as we possibly can, and that helps to lower the overall risk of the portfolio. The BetaShares Australia 200 has performed much better than Benelon, hasn't been underperforming, and it's actually giving you exposures to the top 200 companies on the ASX. So it's actually giving you greater diversification by having this investment in there, and it's actually a bit cheaper than holding the Bennelong Australian equities as well.\n\nSo it is reducing your investment fees within the portfolio as well, which is a really good positive sign. Yeah. So the other thing I sort of wanted to touch on today was I know last year, we were trying to look at providing new advice, and we kind of weren't able to get the information required to complete that. So I do wanna look at making sure that that is completed this year for you. I just sort of wanted to look forward to your goals.\n\nAnd whilst we have made these changes within your super fund, I wanted to reassess whether you're in the right risk level, whether we need to maybe make some alterations, and how we kinda provide a greater benefit for your retirement. I originally sorta had it noted here that you were hoping to be able to access your super around about age 67. Is that still fairly accurate? What what age are you sorta hoping to be able to retire? Around then?\n\nOkay. And yeah. No worries. What kind of car did you buy? Oh, fantastic.\n\nAnd you purchased that on a loan, so you've got six years to pay the loan down? Yep. That's okay. And do you think it'll probably take you about the six years to complete the loan, or do you are you gonna try and pay more onto it to pay it down faster? Yep.\n\nOkay. No worries. Yep. That's okay. Not a problem.\n\nAnd with the Ford Everest, how much did you pay for that? What's the value that? Wow. Nice car. Is it good?\n\nIs it good to drive? Yeah. Oh, fantastic. Is it kind of your plan to utilize that for traveling? Or yeah.\n\nUnderstandable. Absolutely. And how much do you have sitting on the loan? Did you borrow the full amount of the vehicle or just the portion of it? Most of it?\n\nThat's okay. How much do you have owing on it still? No. That's okay. I'll just note down essentially because you borrowed most of it.\n\nAre you comfortable if I just note down maybe the 400,000 being borrowed, and we can kinda work from there for you? Yep. Beautiful. Excellent. And you also made mention there that you're wanting to buy a caravan.\n\nIs that something you're wanting to do with some of the funds within your super when you retire, or are you planning to save outside of super to be able to purchase the caravan? Yep. Yeah. No. That's okay.\n\nAnd then last absolutely. Do you know how much the caravan's expecting to cost? Yeah. Yep. And you're sort of after something you can take off road and enjoy with all the mod cons?\n\nYep. That's okay. Yeah. No. Understandable.\n\nAnd then having a bit of a look back at your goals recently over the last couple of years, something that yourself and John had sort of pointed out was that you was were sorta also hoping to use about 400,000 to buy a house out of your supers. Is that still something that you're both sort of looking to maybe do, or are you sort of not thinking that's the way to go? What's your thoughts with that goal? Yep. That's okay.\n\nSo with that one there because it said here that you were sort of hoping to essentially use about 400,000 between the two of you to purchase a home and then live off income out of super with the amount that are left over. In order to look at doing that, we would need to look at ways to be able to boost your super fairly considerably to get that up. Are you open to salary sacrificing or making additional contributions to super to kind of help provide that boost and get more money into super for the long term? Okay. So in six years' time.\n\nOh, your car. Okay. Beautiful. No. Understandable.\n\nWhat I would look at doing for you, if you would like, is I could always update the advice to reflect maybe making additional contributions. We can look at providing that advice now if you decide to sort of hold off until next year to make those contributions. That's honestly fine and up to yourself. But it is just about providing the advice and showing you the benefits of those additional contributions, what it can look like over the next couple of years towards your retirement goals. It provides you with the advantages, the disadvantages, and the risks involved so you have all the information to be able to take forward and make that decision.\n\nDoes that sound like something you'd be open to? Okay. No. That's okay. If you like, what we can do is we can just maybe hold off the advice around the contribution aspect, and we can maybe touch base early next year and rediscuss that.\n\nWould that be more appropriate, more comfortable for you? Okay. Yep. Beautiful. Okay.\n\nOkay. So some additional funds coming in there. And is that John's business that's closing down? Or Yep. Yep.\n\nYep. No worries. No worries. Do you know roughly when that's expected to receive back in super? Okay.\n\nYes. Okay. No worries. It sounds like you're going through a little bit there. It's a bit of a well, hopefully, that all gets sorted fairly soon there for you.\n\nI'll make a note that we can touch base on that again early next year. So maybe if we sit down and do a catch up in about six months' time, that brings us to about the March 1. We can reassess contributions, look at where you're at with that $20,000 deposit as well, and we can always factor into the advice how to make that $20,000 deposit into super to benefit you the most. Does that sound okay? Perfect.\n\nI'll say the March 1. Excellent. Fantastic. The other thing to sort of have a look at now, you kinda did mention last time that you were hoping to access Uber at around about age 67. The with you having that new loan, and you kinda mentioned you wanted to have the Ford Everest paid off prior to you retiring.\n\nIs that right? Yep. Yep. Nearly paid off. That's okay.\n\nBecause being that you're 62 years of age now, essentially, up to age 67 gives you five years away. So are you more likely to maybe work a little bit longer than age 67, or are you definitely wanting to stop work at 67? That's kind of a not, you know, not something you wanna change? Working a bit longer. Yep.\n\nThat's okay. Perfect. Excellent. What I wanted to do as well is just run through a quick risk profile questionnaire just to kinda gauge where you're sitting because you are in more of a growth kind of portfolio. You you are sort of seeing about 80% of your super in those growth assets.\n\nSo I think things like Australian shares, international shares, property, and then some, you know, gold and silver and commodities and precious metals in there as well. So in that kind of environment, it does suit someone who has at least six years before accessing their super. Realistically, with that 80% invested in those growth assets, you are sort of hoping to obtain around about a seven to 9% on a yearly basis, but we understand the likelihood of a negative return is expected kind of one in every five years as well. So that's sort of why when you are about sort of five to six years from accessing your super that we wanna start looking at trying to reduce the risk level a little bit for you to kind of start protecting your capital there. But it also comes down to are you more likely to actually retire at 67, or are you, you know, happy to work a little bit longer?\n\nSo if we sort of got close to, you know, age 65 or 66 and we saw a bit of a market dip and things weren't really, performing as well, are you open to working to age 67, 68, 69, 70 to kind of allow your portfolio to come back, or are you more, you know, ready to retire, you've had enough, and you really wanna stop working? How do you think you might sort of act in that scenario? Yep. Not before 06/08. Yep.\n\nThat's okay. Perfect. The other sort of question I have here is thinking about your super and the type of risk level that you are taking, do you consider yourself comfortable taking on a higher level of risk in the market to try and get greater potential returns? Are you maybe comfortable taking a moderate or medium amount of risk to get the best returns possible, or are you not very comfortable taking risk in the market and knowing the returns are lower because of that? Where do you think you sort of fit there?\n\nYou would? Yep. That's okay. Comfortable taking on a higher level of risk to get greater potential returns even though you are aware there is a downside as well. Does that sound okay?\n\nYep. Beautiful. Another fun one for you. If you saw the mark fall by 20% in the next one to two years, how do you think you might react? Do you think you'd be wanting to put more money into the super, make take advantage of the downtime?\n\nAre you a bit concerned and maybe holding and waiting and calling us to see what we think you should do? Or are you feeling really concerned and wanting to maybe sell your investments to cash? How do you think you might react? Yep. Beautiful.\n\nExcellent. Excellent. The next one here is have you ever seen your super fall in value in the past? So thinking about market dips because we understand they do happen. And over the next, you know, five, six to ten years, there is going to be some sort of a market dip.\n\nWe know that that is a possibility. How do you think you might feel if you saw your super falling value? Are you feeling optimistic about the investment opportunity? Money you wanted to put some money into the market? Are you cautious, concerned, or feeling anxious?\n\nHow do you think you might be feeling? Yeah. Yep. That's okay. No.\n\nThat's okay. Is it it sounds like you're you're not sort of really concerned or anxious. Do you think you'd be maybe just cautious or optimistic? Where do you think you fit on that scale? Optimistic?\n\nI love it. And the last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds, or would you only ever wanna borrow for, say, property? Nothing is unfortunate. There's no such thing as a safe investment. They're all going up and down.\n\nYeah. You have? Yep. Your money? Yeah.\n\nYeah. Right. Yep. Okay. Yeah.\n\nPerfect. So it's a different sort of way of borrowing to invest. Yeah. Absolutely. Yeah.\n\nBeautiful. How did you find that when you did it? Was it something you would ever do again, or you were quite happy doing it back then and never again? How did you find it? No.\n\nNo. That's okay. And when you because one of your goals is to be able to draw money out of both of your supers to purchase a property down the track. Would that be your main primary residence, or would you be sort of focusing on borrowing to, in like, to rent the property out? Yep.\n\nYep. Yeah. Absolutely. Perfect. Excellent.\n\nWell, thank you for that. Now you have scored in that kinda growth environment, that range, and that's where you're sitting at the moment with that 80% and those growth assets. We always like to make sure you do have some lower risk defensive investments in your portfolio. And in a growth environment, you'd expect about 20% invested in cash, bonds, and fixed interest. So it's about having a mix of high risk investments to get growth, but also some lower risk investments for defensiveness.\n\nSo when, you know, the shares or the market might be a bit volatile, some of those lower risk defensive investments should be income producing and fairly steady to help even out market returns over the longer term there. Are you fairly comfortable staying in that for a few more months and we maybe reevaluate that in six months' time, or would you like to start reducing your risk level now? How do you feel? Yep. Beautiful.\n\nBeautiful. Well, what we'll do is I'll put a little marker aside that will touch base in March. We'll do a bit of a six month review with how things are tracking within your super, look at making additional contributions, and look at what we can do moving forward, and maybe update the advice to reflect everything then. How does that sound? Yep.\n\nBeautiful. Excellent. Now the only other thing to kinda look at with regard to those documents that we were looking at before is you don't have any personal insurances, the life TBD, income protection, protection trauma, essentially, given not having any of those. Are you happy not having any personal insurances? Did you wanna sort of talk about what they are, how they can provide benefit, or are you just comfortable in trying to boost your super for retirement?\n\nWhat's your thoughts there? Okay. Yep. That's okay. And is that just paid out of your back pocket?\n\nYep. That's okay. Beautiful. Life insurance paid personally. Beautiful.\n\nHow much are you covered for with life cover? You've made it feel worse more. Alright. The smoke is right. Yep.\n\nMhmm. Yes. Smoke is right. Yes. That makes it very expensive.\n\nWhen he stopped for twelve months, they might be willing to review that for him. Yeah. Oh, good on him for stopping. That's fantastic. It's not easy.\n\nBeautiful. So a 150,000 there. Excellent. And who's the insurer of the policy? Who's it insured with?\n\nI'm so sorry. Can you repeat that for me? Golden Life Insurance. Perfect. Yeah.\n\nAnd you just pay the pre sorry. Fortnightly. Yep. That's okay. And are you happy just keeping that aside and kind of altering it as you need to?\n\nDid you want us to look at maybe adding a third party authority to help you kinda look after the policy? Or yep. Yeah. Absolutely. Yeah.\n\nAbsolutely. That's not a problem at all. Beautiful. Excellent. The other thing this will look at is the beneficiary side of things.\n\nSo I'm just having a quick look at your super to have the beneficiaries. Now just kind of reaffirming, have you guys spoken about doing up a will, power of attorney documents, estate planning, or seeking the services of a solicitor to draw off any of those documents? No. That's okay. Would you like us to resend the documents to you, and would you like me to help by preselling them for you as well?\n\nYep. Fantastic. Not a problem. So, yeah, I can see there's no beneficiary noted on file here. So if in the event that something was to happen to you, where would you like your super directed to?\n\nJohn? Beautiful. And we do have all John's details here. Are you happy for us to prefill the document with his information for you to make it easier? Yep.\n\nBeautiful. I will just double check that I have everything correctly. What's his date of birth just to confirm? 1967. Beautiful.\n\nThank you for that. You're 70. No. But I will update that. Congratulations.\n\nWhen did you get married? Wow. Well, congratulations. That's fantastic. Yep.\n\nBeautiful. I'll make an update there. So married. Excellent. Now is your surname remaining the same under Patterson?\n\nDid you need to update any of those details? No. That's okay. Yeah. No.\n\nUnderstandable. Not a problem at all. So I'll make a note here that we'll get the beneficiaries prefilled for you and sent out. Now just to kinda go through a couple of details, there are some additional things to think about when you are nominating a beneficiary, and one of those is essentially what kind of beneficiary you want nominated. They have three different kinds.\n\nThey have nonbinding, which means that you can tell the trustee what you want, but, ultimately, they make the call and can decide which way they're gonna go with the the benefit payout. You also have a binding lapsing, which makes the trustee follow your direction, but you have to update the form every three years, or they have a binding non lapsing, which means we can fill it out now, have it on file or on file with the super funds. It is binding the trustee to follow your direction, and you don't have to refill the format unless you wanna alter your nomination. Do you know which way you would be comfortable going? Yeah.\n\nWe'll fill it out once and make it easier. I like it. Fantastic. And I'll make a note here that you are discussing doing up your power of attorney and will and everything as well. Okay?\n\nHaving that done. Beautiful. Other than that, I just need to run through and update some additional details with your assets and liabilities on file. Now we had it noted here. I've got your Ford Everest there, which is fantastic.\n\nI also had last time a Subaru CXU. Is that your vehicle that you're currently paying a loan off? Yep. Beautiful. I'm just gonna note that over here as well.\n\nAnd you said that's due to be fully paid off around November. Is that right? February next year. Beautiful. Excellent.\n\nAnd, roughly, what kind of value would you put on that Subaru CXU at the moment? If you had to sell the asset, what would you want for it? That's okay. I can quickly pull up some no. That's okay.\n\nSo having a look here at the moment, it's sort of saying average valuation Around about 20 to 22,000 currently. Yep. That's okay. Did you want me to put 30 down? It's whatever value it is to you that's important.\n\nNo. Absolutely. I'll note down that as 30. Not a problem. And do you know how much you still have on the loan that will be paid off?\n\nNo. That's okay. Not a problem at all. The other thing I had down here was your rent. You were paying about $680 per week last year.\n\nHas your rent gone up or down or altered in any way? Beautiful. Fantastic. And I've also got a personal loan down here, and the amount you had owing on that was around about 6,437 last year. Has that reduced a little bit?\n\nYeah. That's that's okay. You're fine. Oh, beautiful. Fantastic.\n\nIn November. Beautiful. I had also contents down here. So an estimated value of contents at about 100,000. Would you keep your contents valued at about 100 thousand?\n\nYep. Beautiful. And then I also had noted down here a credit card. We had a limit of 8,000 and owing about 7,000 at the time. About the same?\n\nBeautiful. Thank you for updating that. Is there any other assets or liabilities or anything else you would think we should note down here at all? Nope. That's okay.\n\nBeautiful. Thank you so Bye bye. In joint names. Okay. The orange 50 percentage.\n\nYep. Beautiful. Thank you so much for that. Really appreciate it. Excellent.\n\nSo we've pretty much covered off most things. Your super is working quite well. The obviously, the return is a bit lower than expected this year, but there has been some adjustments made to the portfolio. So we'll just kinda keep monitoring that. You're fairly comfortable remaining in that growth kind of environment for another few months.\n\nWe'll reassess things in March and also consider additional contributions and further goals there. You've kind of made note to me that you're more realistically wanting to retire at age 67, but happy to keep working longer and probably will work a little bit longer as well. And I'm back last year, we also had it noted that in retirement, you were looking to live off about a thousand dollars combined, so roughly 500 per week from each of your supers. Does that still sound fairly accurate? Yep.\n\nNo. That's okay. Yeah. I mean, you'll be retired. You can live wherever you want.\n\nGoing back to South Australia. Perfect. Beautiful. I had a notice of a while ago that one of your medium term goals with the caravan was you were expecting to pay around about 60,000 for that. Does that sound fairly accurate?\n\nDo you think that might cost a bit more when you get to purchasing the caravan? Yep. Yeah. Okay. Yep.\n\nBeautiful. Lovely. I've got down here that with insurance wise, you're not looking at getting any new insurances. You're happy with the life cover you have paid out of pocket or paid personally. Is that sound right?\n\nIs that anything else there that you think I've missed or wanted to kinda touch on? Or no. Excellent. Weird. Yeah.\n\nAbsolutely. And if you wanted to, I could make it a joint conversation with yourself and John so we can kind of look at doing things jointly. That way, we kind of get an idea of where you're heading together. It's a personal opinion. You don't have to do things jointly, but that's always an option if the two of you would like.\n\nI'm more than happy to set that up for you. Yeah. Beautiful. No. That's okay.\n\nThat's completely understandable. The only other documents we have in there for you are the financial services guide, which outlines everything about who we are, what we do, how we do it. It also notes our fee structure. So, obviously, you're an ongoing service client, so it does mean you pay a fee for our services, trust looking after your super, making changes, and working towards your goals, and providing additional advice there. The ongoing service fee has been 1.65 percent ongoing for the last few years.\n\nCurrently not changing at all, but moving forward, we're gonna have more of a tiered structure. So when your super balance hits over 200,000, you'll essentially move into the next tier, and any and the fee will drop to 1.375, essentially. So moving forward to be more of a tiered structure, the idea is we wanna make sure your balance is increasing and meeting your goals, but also making sure that we're able to be paid for our services. The cost of advice and everything around business has gone up. This is the cost of living has gone up for everybody, so we need to make sure that our ongoing service fee is more in line with that.\n\nAnd our ongoing service fee, the documents have always outlined an approximate fee. Moving forward, our fee will be much more stipulated. So, essentially, we'll work out how much you will pay for that year. It'll be set as a set a fixed dollar figure amount, and you won't pay more than what we state in the ongoing service agreement. So it'll also give you a lot more structure around the expectation there.\n\nOkay? Excellent. So the last document is the ongoing service agreement there. Because your balance is under that 200,000 still, it's still the 1.65%. So no additional changes there.\n\nIt's just noted as a fixed dollar. So we know for this year, the total fee payable to us will be $2,342.22. That is the total for the full year, and it will be deducted in smaller monthly increments out of your super. That way, you sort of understand. I just wanna make sure that, you know, moving forward, I can do the catch up with you in March so we can make sure we're providing that advice and moving forward and helping you along.\n\nBecause you are getting closer to retirement, it's really important to me that you're able to reach your goals and be able to access your super to do the things you want. The only goal that I am sort of concerned might be very hard to achieve is the utilizing your super to purchase a home. That could decrease your super very heavily, but I'd like to reassess that goal jointly with you both if you're comfortable to do that. Okay? Yep.\n\nBeautiful. I've got everything sort of sorted here. So once you've kinda gone through those documents, if you're comfortable to, we'll ask you to sign and return those back there for us just so we can keep providing our services and looking after everything. Did you have any other questions or anything I haven't touched on that might have been important to you there, Rosalie? No.\n\nNo. That's okay. Yeah. That's correct. Yeah.\n\nAnd it should just take you through so you can click on the button to press the sign, and it should prepopulate your signature for you to make it easier. What's it doing for you? Yeah. You do. So if you click on the button that says name or signature, it should allow you to prepopulate it.\n\nIt should come up with a little sign. Yep. If you click on it is it doing anything if you click on it? I don't think so. I'm so sorry.\n\nOkay. Perfect. It's the September 1. Yeah. It's crazy.\n\nThe year is flying by. That's okay. And then if you press next or finish at the very bottom, it should allow you to come back through. Oh, yeah. That's just letting you know that we do hold your tax phone number.\n\nSo just basically the privacy around doing so and just making sure that you're comfortable with us doing that still. No. That's that's okay. You're fine. Perfect.\n\nAnd then is there a button that says next or finished? Or Yep. Oh, excellent. Yeah. That's that's okay.\n\nMy systems have been a little bit slow today too. I think it's the September 1 blues. The computers are all aware of it. Here we go. Are you getting some time off over Christmas in the next few months, or do you have to work all the way through with your job?\n\nYeah. Okay. Beautiful. And have you got a pay rise at all? Had you down about 90,000 last year.\n\nHave you managed to get a pay rise in San at all? Beautiful. Yep. And you do quite a bit of overtime penalties. Yeah.\n\nYes. Yeah. Excellent. And the last sorry. You're right.\n\nYeah. No. That's all good. And that email has just come through to me there as well, Rosalie. Thank you so much for that.\n\nYeah. Oh, fantastic. That's excellent. And then lastly, when we caught up, you were hoping the pay rises on the the forefront, but hadn't really had any confirmation yet. That's really good.\n\nMhmm. Yep. Beautiful. No. Well, that is fantastic.\n\nWell, look. Thank you so much. So that the email has come through. That's all signed. What we'll do is I'll hold everything for the moment as it is.\n\nI'll just keep monitoring things moving forward, and then I'll have a little task. My team will touch base probably end of February to book you in in around about March, and we'll probably see if John wants to be included in that. And we can maybe do a a bit of a conversation around how we boost sleep and what we do goals wise for the both of you. How does that sound? Beautiful.\n\nNot yet. I will double check when for you. Okay. What I'll do is I'll go back and double check. Is that is he not feeling well or just sleeping?\n\nOh, okay. Yeah. That's absolutely fine. It's not coming up for me. I will go back and double check, and I might just get the team to touch base anyway with him.\n\nWe'll book in his annual review in the next few weeks. That way, we can kinda get everything on track and kind of align everything for the two of you a little bit better. How does that sound? Yeah. Beautiful.\n\nThat's okay. We'll send text messages and emails as well. No need to worry. We'll make sure we get a hold of him. But, honestly, thank you that's okay.\n\nWell, thank you so much for your time today, Rosalie. I'll let you go to enjoy your day, and I'll touch base with you in about March. And we'll see how things are going then and update the advice to the both of you. Okay. My pleasure.\n\nYou enjoy your day. Oh, wow. Well, you enjoy your afternoon. Don't work too hard, and I hope you have a lovely weekend ahead. My pleasure.\n\nTalk thank you, Lar thanks, Leslie. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Rosalie.","start":2.3999999,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.15428780019283295},{"text":"This is Dana from Oakview Financial.","start":3.1999998,"end":4.8199997,"sentiment":"neutral","sentiment_score":0.20756249378124872},{"text":"How are you this afternoon?","start":4.88,"end":6.1,"sentiment":"neutral","sentiment_score":0.27595023810863495},{"text":"I am very well.","start":8.08,"end":9.04,"sentiment":"positive","sentiment_score":0.5722510069608688},{"text":"Thank you.","start":9.04,"end":9.44,"sentiment":"positive","sentiment_score":0.6334666311740875}],"sentiment":"positive","sentiment_score":0.3415599496741044,"num_words":19,"start":2.3999999,"end":9.44},{"sentences":[{"text":"I had you booked in to go through a bit of an annual review this afternoon.","start":9.44,"end":12.32,"sentiment":"neutral","sentiment_score":0.2734585711732507},{"text":"Is now still a good time there for you?","start":12.32,"end":14.259999,"sentiment":"neutral","sentiment_score":0.2425960749387741},{"text":"Fantastic.","start":15.844999,"end":16.345,"sentiment":"positive","sentiment_score":0.5553363561630249},{"text":"Before I jump into the call, I do need to let you know we do record our calls for quality and training purposes.","start":16.725,"end":21.125,"sentiment":"neutral","sentiment_score":0.18837340046530185},{"text":"Are you happy for me to proceed with that?","start":21.125,"end":23.305,"sentiment":"neutral","sentiment_score":0.2249398430188497}],"sentiment":"neutral","sentiment_score":0.2322600856423378,"num_words":58,"start":9.44,"end":23.305},{"sentences":[{"text":"Fantastic.","start":24.805,"end":25.305,"sentiment":"positive","sentiment_score":0.4569864273071289},{"text":"And just to do a quick security check there with you as well, we are discussing your personal information.","start":25.365,"end":29.42,"sentiment":"neutral","sentiment_score":0.225437614478563},{"text":"So I'll just get you to confirm your full name, your date of birth, and address I should have on file.","start":29.42,"end":33.52,"sentiment":"neutral","sentiment_score":0.17042500703107744},{"text":"K.","start":36.54,"end":37.04,"sentiment":"neutral","sentiment_score":0.032885752618312836},{"text":"Beautiful.","start":41.695,"end":42.015,"sentiment":"positive","sentiment_score":0.5203117728233337}],"sentiment":"neutral","sentiment_score":0.20633543663939766,"num_words":43,"start":24.805,"end":42.015},{"sentences":[{"text":"Thank you so much for that.","start":42.015,"end":43.215,"sentiment":"positive","sentiment_score":0.6541221638520559},{"text":"And, Rosalie, you just had a birthday.","start":43.215,"end":44.895,"sentiment":"positive","sentiment_score":0.4067562094756535},{"text":"Happy birthday for July.","start":44.895,"end":46.595,"sentiment":"positive","sentiment_score":0.45782551914453506},{"text":"Did you do did you do anything fun, go out for dinner, or anything nice?","start":48.815,"end":52.915,"sentiment":"neutral","sentiment_score":0.16330633958180746},{"text":"No?","start":54.51,"end":55.01,"sentiment":"neutral","sentiment_score":-0.09631837904453278}],"sentiment":"neutral","sentiment_score":0.3320183406273524,"num_words":33,"start":42.015,"end":55.01},{"sentences":[{"text":"Oh, that's a shame.","start":55.309998,"end":56.69,"sentiment":"neutral","sentiment_score":-0.26782914623618126},{"text":"Oh, that's a shame.","start":58.19,"end":59.47,"sentiment":"neutral","sentiment_score":-0.3109704703092575},{"text":"That's all good.","start":59.47,"end":60.61,"sentiment":"neutral","sentiment_score":-0.010962328563133875},{"text":"Well, but, normally, when we send through so, normally, when we do the annual review, we send through some documents to your email.","start":61.469997,"end":66.465004,"sentiment":"neutral","sentiment_score":-0.02857342123499383},{"text":"Are you able to access your email there at the moment?","start":66.465004,"end":68.785,"sentiment":"neutral","sentiment_score":-0.024272357875650578}],"sentiment":"neutral","sentiment_score":-0.07271711282018158,"num_words":45,"start":55.309998,"end":68.785},{"sentences":[{"text":"If you can, it's honestly okay.","start":68.785,"end":70.565,"sentiment":"neutral","sentiment_score":0.020423625285426777},{"text":"Yeah.","start":73.505,"end":73.825,"sentiment":"neutral","sentiment_score":0.014923105016350746},{"text":"You're right.","start":73.825,"end":74.565,"sentiment":"neutral","sentiment_score":0.009924794780090451},{"text":"Not a problem.","start":75.425,"end":76.305,"sentiment":"neutral","sentiment_score":0.07815638432900111},{"text":"I'll just send this one through to you there.","start":76.305,"end":78.36,"sentiment":"neutral","sentiment_score":0.07940608594152662}],"sentiment":"neutral","sentiment_score":0.052687541559515966,"num_words":21,"start":68.785,"end":78.36},{"sentences":[{"text":"There we go.","start":84.520004,"end":85.16,"sentiment":"neutral","sentiment_score":0.06842018415530522},{"text":"It's coming through from Odoo Time.","start":85.16,"end":87.18,"sentiment":"neutral","sentiment_score":0.05680805196364721},{"text":"I believe it also comes through from Dana at Odoo Financial.","start":87.24,"end":90.06,"sentiment":"neutral","sentiment_score":0.06436017426577481},{"text":"Perfect.","start":98.135,"end":98.635,"sentiment":"positive","sentiment_score":0.36164963245391846},{"text":"That's okay.","start":133.3,"end":134.02,"sentiment":"neutral","sentiment_score":0.10212146863341331}],"sentiment":"neutral","sentiment_score":0.07912884134313335,"num_words":23,"start":84.520004,"end":134.02},{"sentences":[{"text":"Not a problem.","start":134.02,"end":134.5,"sentiment":"neutral","sentiment_score":0.06816677749156952},{"text":"It may have also gone through to your junk mailbox.","start":134.5,"end":136.68,"sentiment":"neutral","sentiment_score":0.010309194959700108},{"text":"Sometimes I get directed there as well.","start":136.73999,"end":138.84,"sentiment":"neutral","sentiment_score":0.03313274788005011},{"text":"You've got it there?","start":140.965,"end":142.025,"sentiment":"neutral","sentiment_score":0.03828956373035908},{"text":"Fantastic.","start":142.485,"end":142.985,"sentiment":"neutral","sentiment_score":0.019037140533328056}],"sentiment":"neutral","sentiment_score":0.028468676507472992,"num_words":25,"start":134.02,"end":142.985},{"sentences":[{"text":"So when you open that email there, it'll it does have a button that says sign to continue or sign.","start":143.365,"end":149.385,"sentiment":"neutral","sentiment_score":0.07282428070902824},{"text":"If you press that button, it'll allow you to move forward so you can see the documents there.","start":149.445,"end":153.42,"sentiment":"neutral","sentiment_score":0.10980155981249279},{"text":"I will never ask you to sign anything you haven't read.","start":153.66,"end":155.9,"sentiment":"neutral","sentiment_score":0.0421566374769265},{"text":"It's just so we can kinda review the documents together.","start":155.9,"end":158.48,"sentiment":"neutral","sentiment_score":0.09939730241894722},{"text":"Okay?","start":158.54,"end":159.04,"sentiment":"neutral","sentiment_score":0.07541383802890778}],"sentiment":"neutral","sentiment_score":0.08276705942116677,"num_words":60,"start":143.365,"end":159.04},{"sentences":[{"text":"Excellent.","start":160.22,"end":160.72,"sentiment":"positive","sentiment_score":0.6662567853927612},{"text":"So the first one there when you can see it, I should say summary of superannuation and insure oh, sorry.","start":160.78,"end":165.34,"sentiment":"neutral","sentiment_score":0.21599669605493546},{"text":"In superannuation as of the 08/26/2026.","start":165.34,"end":168.78,"sentiment":"neutral","sentiment_score":0.10047326236963272},{"text":"So that's when we completed those documents.","start":168.78,"end":171.36499,"sentiment":"neutral","sentiment_score":0.15597205076898848},{"text":"When I look back at your annual review last year, now your balance back in 2025, we were sitting at about 110,149.","start":171.905,"end":180.785,"sentiment":"neutral","sentiment_score":0.17335622825405814}],"sentiment":"neutral","sentiment_score":0.18740485103002616,"num_words":56,"start":160.22,"end":180.785},{"sentences":[{"text":"So we're up to about a $135,001.92 and 88¢ now.","start":180.785,"end":185.51999,"sentiment":"neutral","sentiment_score":0.22739340364933014},{"text":"So it is good.","start":185.51999,"end":186.16,"sentiment":"positive","sentiment_score":0.6081980168819427},{"text":"We have seen a bit of an increase, albeit the markets have been a little bit up and down this year with everything it has been going on.","start":186.16,"end":192.64,"sentiment":"neutral","sentiment_score":0.005006453953683376},{"text":"So we do understand that there are gonna be years, but maybe the returns probably aren't as positive as what we've But it's about maintaining, you know, substantial growth and making sure it is working towards your goals at the end of the day as well.","start":192.64,"end":206.575,"sentiment":"neutral","sentiment_score":0.17183213859148647},{"text":"The other thing I sort of wanted to point out was we had sent an email to you back in about March.","start":207.09999,"end":212.45999,"sentiment":"neutral","sentiment_score":0.004762569146061485}],"sentiment":"neutral","sentiment_score":0.11585842483941841,"num_words":110,"start":180.785,"end":212.45999},{"sentences":[{"text":"Do you remember receiving an email in relation to one of your investments?","start":212.45999,"end":215.84,"sentiment":"neutral","sentiment_score":-0.002311323375369494},{"text":"Or no.","start":216.14,"end":220.64,"sentiment":"neutral","sentiment_score":-0.017012132331728935},{"text":"Yeah.","start":221.49501,"end":221.975,"sentiment":"neutral","sentiment_score":-0.006886695511639118},{"text":"Yeah.","start":221.975,"end":222.475,"sentiment":"neutral","sentiment_score":-0.0036614276468753815},{"text":"That's okay.","start":223.49501,"end":224.295,"sentiment":"neutral","sentiment_score":0.06439033150672913}],"sentiment":"neutral","sentiment_score":0.0028505827006148664,"num_words":19,"start":212.45999,"end":224.295},{"sentences":[{"text":"If you like, I can always re email through to you.","start":224.295,"end":226.535,"sentiment":"neutral","sentiment_score":0.08533585748889229},{"text":"It's not a problem at all.","start":226.535,"end":227.995,"sentiment":"neutral","sentiment_score":0.17008414367834726},{"text":"Essentially, if you scroll through to the next document for me, the next one is your asset performance detail report, and it does kinda go through all the individual investments.","start":228.375,"end":236.89,"sentiment":"neutral","sentiment_score":0.1121512271463871},{"text":"Now having a bit of a look at this, and I ran through things before the call, essentially, everything has been working really, really well.","start":237.03,"end":243.37001,"sentiment":"neutral","sentiment_score":0.20979660570621492},{"text":"We have seen some really good leasing growth this year, albeit it is a much lower return.","start":243.59,"end":248.435,"sentiment":"neutral","sentiment_score":0.12606459740987597}],"sentiment":"neutral","sentiment_score":0.14282864502767165,"num_words":89,"start":224.295,"end":248.435},{"sentences":[{"text":"So, essentially, the growth that we have seen net of fees this year is about 3.60%.","start":248.49501,"end":253.935,"sentiment":"neutral","sentiment_score":0.2702178582549095},{"text":"So it is a lower growth rate than what we would sort of like to see, but to come out after the last twelve months and still see a positive return with everything that's been going on with The US and the Iran war, plus high inflationary rates and also changes to the tax legislation here in Australia, there has been a lot sort of going on that has had an effect on the markets there.","start":253.935,"end":274.56,"sentiment":"neutral","sentiment_score":0.3221425988564366},{"text":"The other thing that we sort of noted and what we the main reason we sent that email to you in March was you originally have the Benelon Australian Equities Fund.","start":275.05502,"end":283.635,"sentiment":"neutral","sentiment_score":-0.04139153166644035},{"text":"That was actually completely sold out of your portfolio.","start":284.095,"end":286.755,"sentiment":"neutral","sentiment_score":-0.2556423279974196},{"text":"We sorta had noted earlier this year that that investment was sorta underperforming as well.","start":286.89502,"end":291.55002,"sentiment":"neutral","sentiment_score":-0.2948497106631597}],"sentiment":"neutral","sentiment_score":0.14149427994274769,"num_words":147,"start":248.49501,"end":291.55002},{"sentences":[{"text":"It was underperforming because of its own issues within the fund, and we've actually moved you into the investment noted underneath that, which is the BetaShares a 200 ETF.","start":291.77002,"end":301.63,"sentiment":"neutral","sentiment_score":-0.12738045213487129},{"text":"So if you're looking at the first page of that, you've got your headings asset, cash, alternative investments, and Australian equities.","start":301.85,"end":309.08502,"sentiment":"neutral","sentiment_score":0.02931682938443763},{"text":"Can you see those headings in blue?","start":309.14502,"end":311.005,"sentiment":"neutral","sentiment_score":0.011944322447691644},{"text":"That's okay.","start":316.36,"end":317.24,"sentiment":"neutral","sentiment_score":0.07261934876441956},{"text":"You're fine.","start":317.24,"end":318.13998,"sentiment":"neutral","sentiment_score":0.11374928802251816}],"sentiment":"neutral","sentiment_score":-0.04298413383820262,"num_words":61,"start":291.77002,"end":318.13998},{"sentences":[{"text":"Beautiful.","start":321.63998,"end":322.13998,"sentiment":"neutral","sentiment_score":0.3219769597053528},{"text":"So under those, the Australian Equities Investment, you've got your Benelon Australian Equities Fund.","start":322.28,"end":327.09998,"sentiment":"neutral","sentiment_score":0.02779519438211407},{"text":"That's the one that you've actually had in your portfolio over the past couple of years, which is not performing as well.","start":327.16,"end":332.00497,"sentiment":"neutral","sentiment_score":-0.0751084640743846},{"text":"So we sold that off and removed it out.","start":332.00497,"end":334.425,"sentiment":"neutral","sentiment_score":-0.18743052830298743},{"text":"The one you now hold within your investment still giving you exposure to the Australian market is the BetaShares Australia 200 ETF.","start":334.805,"end":342.82498,"sentiment":"neutral","sentiment_score":0.06064842446622523}],"sentiment":"neutral","sentiment_score":-0.01902773448605063,"num_words":68,"start":321.63998,"end":342.82498},{"sentences":[{"text":"One of the good things about this investment is that it's actually giving you greater diversification.","start":343.24,"end":347.5,"sentiment":"positive","sentiment_score":0.42389770969748497},{"text":"So one of the things we'd like to make sure that we can do is to invest in as many different countries, different areas, different asset classes, and different count companies as possible.","start":348.12,"end":357.58,"sentiment":"neutral","sentiment_score":0.3039203462275592},{"text":"So diversifying your portfolio and spreading your risk level as much as we possibly can, and that helps to lower the overall risk of the portfolio.","start":357.875,"end":365.575,"sentiment":"positive","sentiment_score":0.3765399513336328},{"text":"The BetaShares Australia 200 has performed much better than Benelon, hasn't been underperforming, and it's actually giving you exposures to the top 200 companies on the ASX.","start":366.83502,"end":376.54,"sentiment":"positive","sentiment_score":0.6292153000831604},{"text":"So it's actually giving you greater diversification by having this investment in there, and it's actually a bit cheaper than holding the Bennelong Australian equities as well.","start":376.76,"end":385.08,"sentiment":"positive","sentiment_score":0.6720077395439148}],"sentiment":"positive","sentiment_score":0.47856430686259455,"num_words":129,"start":343.24,"end":385.08},{"sentences":[{"text":"So it is reducing your investment fees within the portfolio as well, which is a really good positive sign.","start":385.08,"end":390.92502,"sentiment":"positive","sentiment_score":0.7853467087996634},{"text":"Yeah.","start":392.58502,"end":393.065,"sentiment":"neutral","sentiment_score":0.2357867956161499},{"text":"So the other thing I sort of wanted to touch on today was I know last year, we were trying to look at providing new advice, and we kind of weren't able to get the information required to complete that.","start":393.065,"end":402.025,"sentiment":"neutral","sentiment_score":0.07903052978217602},{"text":"So I do wanna look at making sure that that is completed this year for you.","start":402.025,"end":406.15002,"sentiment":"positive","sentiment_score":0.37014629039913416},{"text":"I just sort of wanted to look forward to your goals.","start":406.61002,"end":408.85,"sentiment":"positive","sentiment_score":0.41455007141286676}],"sentiment":"neutral","sentiment_score":0.3310458262761434,"num_words":87,"start":385.08,"end":408.85},{"sentences":[{"text":"And whilst we have made these changes within your super fund, I wanted to reassess whether you're in the right risk level, whether we need to maybe make some alterations, and how we kinda provide a greater benefit for your retirement.","start":408.85,"end":420.58502,"sentiment":"neutral","sentiment_score":0.18930763669493722},{"text":"I originally sorta had it noted here that you were hoping to be able to access your super around about age 67.","start":421.685,"end":427.62,"sentiment":"neutral","sentiment_score":0.018036559255878357},{"text":"Is that still fairly accurate?","start":427.62,"end":429.32,"sentiment":"neutral","sentiment_score":-0.013997599110007286},{"text":"What what age are you sorta hoping to be able to retire?","start":429.38,"end":432.28,"sentiment":"neutral","sentiment_score":-0.0223997940775007},{"text":"Around then?","start":435.46,"end":436.36,"sentiment":"neutral","sentiment_score":-0.005286822561174631}],"sentiment":"neutral","sentiment_score":0.09523241754291897,"num_words":82,"start":408.85,"end":436.36},{"sentences":[{"text":"Okay.","start":445.315,"end":445.815,"sentiment":"neutral","sentiment_score":-0.005141749046742916},{"text":"And yeah.","start":446.515,"end":447.795,"sentiment":"neutral","sentiment_score":0.01004865299910307},{"text":"No worries.","start":447.795,"end":448.435,"sentiment":"neutral","sentiment_score":0.015240960288792849},{"text":"What kind of car did you buy?","start":448.435,"end":449.975,"sentiment":"neutral","sentiment_score":-0.0041855064087680405},{"text":"Oh, fantastic.","start":451.94998,"end":452.69,"sentiment":"neutral","sentiment_score":0.23726332932710648}],"sentiment":"neutral","sentiment_score":0.03504754223727754,"num_words":14,"start":445.315,"end":452.69},{"sentences":[{"text":"And you purchased that on a loan, so you've got six years to pay the loan down?","start":452.75,"end":456.61,"sentiment":"neutral","sentiment_score":0.03862712269320207},{"text":"Yep.","start":457.71,"end":458.21,"sentiment":"neutral","sentiment_score":0.017011936753988266},{"text":"That's okay.","start":458.35,"end":459.09,"sentiment":"neutral","sentiment_score":0.04356919601559639},{"text":"And do you think it'll probably take you about the six years to complete the loan, or do you are you gonna try and pay more onto it to pay it down faster?","start":459.71,"end":467.08502,"sentiment":"neutral","sentiment_score":-0.05334313908083872},{"text":"Yep.","start":473.065,"end":473.465,"sentiment":"neutral","sentiment_score":0.01058642379939556}],"sentiment":"neutral","sentiment_score":-0.018313439838864184,"num_words":54,"start":452.75,"end":473.465},{"sentences":[{"text":"Okay.","start":473.465,"end":473.965,"sentiment":"neutral","sentiment_score":0.014416629448533058},{"text":"No worries.","start":474.105,"end":474.92502,"sentiment":"neutral","sentiment_score":-0.012161524035036564},{"text":"Yep.","start":477.545,"end":478.045,"sentiment":"neutral","sentiment_score":0.048555612564086914},{"text":"That's okay.","start":478.105,"end":478.92502,"sentiment":"neutral","sentiment_score":0.08282100781798363},{"text":"Not a problem.","start":479.305,"end":480.20502,"sentiment":"neutral","sentiment_score":0.07301109718779723}],"sentiment":"neutral","sentiment_score":0.04703605568243398,"num_words":9,"start":473.465,"end":480.20502},{"sentences":[{"text":"And with the Ford Everest, how much did you pay for that?","start":481.05002,"end":483.69,"sentiment":"neutral","sentiment_score":0.01208998899285992},{"text":"What's the value that?","start":483.69,"end":484.99002,"sentiment":"neutral","sentiment_score":0.009219309082254767},{"text":"Wow.","start":488.49002,"end":488.99002,"sentiment":"positive","sentiment_score":0.5217560529708862},{"text":"Nice car.","start":489.13,"end":489.85,"sentiment":"positive","sentiment_score":0.6814636886119843},{"text":"Is it good?","start":489.85,"end":490.49002,"sentiment":"positive","sentiment_score":0.4893847008546193}],"sentiment":"neutral","sentiment_score":0.16067248350009322,"num_words":22,"start":481.05002,"end":490.49002},{"sentences":[{"text":"Is it good to drive?","start":490.49002,"end":491.63,"sentiment":"neutral","sentiment_score":0.32443730235099794},{"text":"Yeah.","start":493.61002,"end":494.11002,"sentiment":"positive","sentiment_score":0.47774237394332886},{"text":"Oh, fantastic.","start":495.415,"end":495.99503,"sentiment":"positive","sentiment_score":0.5523069202899933},{"text":"Is it kind of your plan to utilize that for traveling?","start":496.295,"end":499.035,"sentiment":"neutral","sentiment_score":0.1729456057602709},{"text":"Or yeah.","start":499.49503,"end":507.03,"sentiment":"neutral","sentiment_score":0.032297239638864994}],"sentiment":"neutral","sentiment_score":0.24626375566281022,"num_words":21,"start":490.49002,"end":507.03},{"sentences":[{"text":"Understandable.","start":510.07,"end":510.57,"sentiment":"neutral","sentiment_score":0.04137001186609268},{"text":"Absolutely.","start":510.95,"end":511.45,"sentiment":"neutral","sentiment_score":0.057154037058353424},{"text":"And how much do you have sitting on the loan?","start":512.07,"end":514.07,"sentiment":"neutral","sentiment_score":0.006361347157508135},{"text":"Did you borrow the full amount of the vehicle or just the portion of it?","start":514.07,"end":517.85,"sentiment":"neutral","sentiment_score":-0.011817817638317744},{"text":"Most of it?","start":520.23,"end":520.95,"sentiment":"neutral","sentiment_score":-0.00842878253509601}],"sentiment":"neutral","sentiment_score":-0.0013472030560175577,"num_words":30,"start":510.07,"end":520.95},{"sentences":[{"text":"That's okay.","start":520.95,"end":521.51,"sentiment":"neutral","sentiment_score":0.01909899152815342},{"text":"How much do you have owing on it still?","start":521.51,"end":525.535,"sentiment":"neutral","sentiment_score":-0.03430874438749419},{"text":"No.","start":525.535,"end":526.035,"sentiment":"neutral","sentiment_score":-0.06792798638343811},{"text":"That's okay.","start":527.295,"end":528.01495,"sentiment":"neutral","sentiment_score":0.049884263426065445},{"text":"I'll just note down essentially because you borrowed most of it.","start":528.01495,"end":531.13495,"sentiment":"neutral","sentiment_score":0.03446696512401104}],"sentiment":"neutral","sentiment_score":0.005615857616066933,"num_words":25,"start":520.95,"end":531.13495},{"sentences":[{"text":"Are you comfortable if I just note down maybe the 400,000 being borrowed, and we can kinda work from there for you?","start":531.13495,"end":537.39496,"sentiment":"neutral","sentiment_score":0.047817540651356634},{"text":"Yep.","start":538.6,"end":539.07996,"sentiment":"neutral","sentiment_score":0.1513635516166687},{"text":"Beautiful.","start":539.07996,"end":539.57996,"sentiment":"positive","sentiment_score":0.48530441522598267},{"text":"Excellent.","start":540.19995,"end":540.69995,"sentiment":"positive","sentiment_score":0.4934819042682648},{"text":"And you also made mention there that you're wanting to buy a caravan.","start":540.92,"end":543.88,"sentiment":"neutral","sentiment_score":0.09692789958073543}],"sentiment":"neutral","sentiment_score":0.09058416999974533,"num_words":38,"start":531.13495,"end":543.88},{"sentences":[{"text":"Is that something you're wanting to do with some of the funds within your super when you retire, or are you planning to save outside of super to be able to purchase the caravan?","start":543.88,"end":552.285,"sentiment":"neutral","sentiment_score":0.06440105409744908},{"text":"Yep.","start":559.785,"end":560.285,"sentiment":"neutral","sentiment_score":-0.002764673437923193},{"text":"Yeah.","start":562.745,"end":563.145,"sentiment":"neutral","sentiment_score":-0.008922383189201355},{"text":"No.","start":563.145,"end":563.385,"sentiment":"neutral","sentiment_score":-0.04592617601156235},{"text":"That's okay.","start":563.385,"end":564.205,"sentiment":"neutral","sentiment_score":-0.019687709398567677}],"sentiment":"neutral","sentiment_score":0.053657620201985806,"num_words":39,"start":543.88,"end":564.205},{"sentences":[{"text":"And then last absolutely.","start":564.5,"end":566.76,"sentiment":"neutral","sentiment_score":0.004305302863940597},{"text":"Do you know how much the caravan's expecting to cost?","start":567.06,"end":570.76,"sentiment":"neutral","sentiment_score":-0.009217672515660524},{"text":"Yeah.","start":575.54,"end":575.94,"sentiment":"neutral","sentiment_score":0.011001728475093842},{"text":"Yep.","start":575.94,"end":576.26,"sentiment":"neutral","sentiment_score":0.05047370493412018},{"text":"And you're sort of after something you can take off road and enjoy with all the mod cons?","start":576.26,"end":586.485,"sentiment":"neutral","sentiment_score":0.091248521167371}],"sentiment":"neutral","sentiment_score":0.04791156766826615,"num_words":34,"start":564.5,"end":586.485},{"sentences":[{"text":"Yep.","start":587.425,"end":587.925,"sentiment":"neutral","sentiment_score":0.005584564991295338},{"text":"That's okay.","start":589.505,"end":590.405,"sentiment":"neutral","sentiment_score":0.0069487306755036116},{"text":"Yeah.","start":593.31,"end":593.79004,"sentiment":"neutral","sentiment_score":-0.007334676571190357},{"text":"No.","start":593.79004,"end":594.11005,"sentiment":"neutral","sentiment_score":-0.0469183549284935},{"text":"Understandable.","start":594.11005,"end":594.61005,"sentiment":"neutral","sentiment_score":-0.032898858189582825}],"sentiment":"neutral","sentiment_score":-0.011278310557827353,"num_words":6,"start":587.425,"end":594.61005},{"sentences":[{"text":"And then having a bit of a look back at your goals recently over the last couple of years, something that yourself and John had sort of pointed out was that you was were sorta also hoping to use about 400,000 to buy a house out of your supers.","start":595.31,"end":608.515,"sentiment":"neutral","sentiment_score":0.06548803311069401},{"text":"Is that still something that you're both sort of looking to maybe do, or are you sort of not thinking that's the way to go?","start":608.575,"end":615.475,"sentiment":"neutral","sentiment_score":0.01963403683155775},{"text":"What's your thoughts with that goal?","start":615.535,"end":617.235,"sentiment":"neutral","sentiment_score":0.03896347557504972},{"text":"Yep.","start":619.295,"end":619.795,"sentiment":"neutral","sentiment_score":0.14334934949874878},{"text":"That's okay.","start":620.57996,"end":621.48,"sentiment":"neutral","sentiment_score":0.3250405490398407}],"sentiment":"neutral","sentiment_score":0.05695151619568287,"num_words":83,"start":595.31,"end":621.48},{"sentences":[{"text":"So with that one there because it said here that you were sort of hoping to essentially use about 400,000 between the two of you to purchase a home and then live off income out of super with the amount that are left over.","start":621.77997,"end":634.6,"sentiment":"neutral","sentiment_score":0.1789653438397429},{"text":"In order to look at doing that, we would need to look at ways to be able to boost your super fairly considerably to get that up.","start":634.90497,"end":640.76495,"sentiment":"neutral","sentiment_score":0.24245710836516488},{"text":"Are you open to salary sacrificing or making additional contributions to super to kind of help provide that boost and get more money into super for the long term?","start":640.985,"end":650.95,"sentiment":"neutral","sentiment_score":0.18325511545970521},{"text":"Okay.","start":658.37,"end":658.85004,"sentiment":"neutral","sentiment_score":-0.0010416647419333458},{"text":"So in six years' time.","start":658.85004,"end":660.615,"sentiment":"neutral","sentiment_score":-0.009946462884545326}],"sentiment":"neutral","sentiment_score":0.18570227758466917,"num_words":106,"start":621.77997,"end":660.615},{"sentences":[{"text":"Oh, your car.","start":663.575,"end":664.555,"sentiment":"neutral","sentiment_score":-0.024158799399932224},{"text":"Okay.","start":672.695,"end":673.175,"sentiment":"neutral","sentiment_score":0.14088833332061768},{"text":"Beautiful.","start":673.175,"end":673.675,"sentiment":"positive","sentiment_score":0.3517470955848694},{"text":"No.","start":680.33997,"end":680.83997,"sentiment":"neutral","sentiment_score":-0.06419866532087326},{"text":"Understandable.","start":680.89996,"end":681.39996,"sentiment":"neutral","sentiment_score":-0.06974056363105774}],"sentiment":"neutral","sentiment_score":0.04088854310767991,"num_words":7,"start":663.575,"end":681.39996},{"sentences":[{"text":"What I would look at doing for you, if you would like, is I could always update the advice to reflect maybe making additional contributions.","start":682.1,"end":688.51996,"sentiment":"neutral","sentiment_score":0.022883693128824233},{"text":"We can look at providing that advice now if you decide to sort of hold off until next year to make those contributions.","start":689.71497,"end":695.815,"sentiment":"neutral","sentiment_score":0.13986887977175091},{"text":"That's honestly fine and up to yourself.","start":695.875,"end":697.735,"sentiment":"positive","sentiment_score":0.371761292219162},{"text":"But it is just about providing the advice and showing you the benefits of those additional contributions, what it can look like over the next couple of years towards your retirement goals.","start":698.27496,"end":706.69,"sentiment":"neutral","sentiment_score":0.3196344608440995},{"text":"It provides you with the advantages, the disadvantages, and the risks involved so you have all the information to be able to take forward and make that decision.","start":706.99,"end":713.81,"sentiment":"positive","sentiment_score":0.3625458191548075}],"sentiment":"neutral","sentiment_score":0.2327912286247896,"num_words":115,"start":682.1,"end":713.81},{"sentences":[{"text":"Does that sound like something you'd be open to?","start":714.26495,"end":716.365,"sentiment":"neutral","sentiment_score":0.29968711568249595},{"text":"Okay.","start":721.46497,"end":721.865,"sentiment":"neutral","sentiment_score":-0.0728941410779953},{"text":"No.","start":721.865,"end":722.02496,"sentiment":"neutral","sentiment_score":-0.24276629090309143},{"text":"That's okay.","start":722.02496,"end":722.505,"sentiment":"neutral","sentiment_score":-0.08152003586292267},{"text":"If you like, what we can do is we can just maybe hold off the advice around the contribution aspect, and we can maybe touch base early next year and rediscuss that.","start":722.505,"end":732.15,"sentiment":"neutral","sentiment_score":0.02750557806575671}],"sentiment":"neutral","sentiment_score":0.0688591563453277,"num_words":45,"start":714.26495,"end":732.15},{"sentences":[{"text":"Would that be more appropriate, more comfortable for you?","start":732.15,"end":734.81,"sentiment":"neutral","sentiment_score":0.030586506343550153},{"text":"Okay.","start":737.27,"end":737.77,"sentiment":"neutral","sentiment_score":0.08214380592107773},{"text":"Yep.","start":741.97504,"end":742.47504,"sentiment":"neutral","sentiment_score":0.10341595113277437},{"text":"Beautiful.","start":743.97504,"end":744.47504,"sentiment":"neutral","sentiment_score":0.2953121066093445},{"text":"Okay.","start":771.765,"end":772.265,"sentiment":"neutral","sentiment_score":0.004117263481020927}],"sentiment":"neutral","sentiment_score":0.058482129556628376,"num_words":13,"start":732.15,"end":772.265},{"sentences":[{"text":"Okay.","start":772.325,"end":772.805,"sentiment":"neutral","sentiment_score":0.004022280685603619},{"text":"So some additional funds coming in there.","start":772.805,"end":774.885,"sentiment":"neutral","sentiment_score":-0.0008579932951501437},{"text":"And is that John's business that's closing down?","start":774.885,"end":777.52496,"sentiment":"neutral","sentiment_score":-0.034063070896081626},{"text":"Or Yep.","start":777.52496,"end":780.33,"sentiment":"neutral","sentiment_score":-0.021702377125620842},{"text":"Yep.","start":786.89,"end":787.39,"sentiment":"neutral","sentiment_score":-0.004791574086993933}],"sentiment":"neutral","sentiment_score":-0.01698339830985979,"num_words":19,"start":772.325,"end":787.39},{"sentences":[{"text":"Yep.","start":789.45,"end":789.95,"sentiment":"neutral","sentiment_score":-0.003737728577107191},{"text":"No worries.","start":790.01,"end":790.75,"sentiment":"neutral","sentiment_score":0.021677758544683456},{"text":"No worries.","start":791.21,"end":791.93,"sentiment":"neutral","sentiment_score":0.01522814529016614},{"text":"Do you know roughly when that's expected to receive back in super?","start":791.93,"end":795.47003,"sentiment":"neutral","sentiment_score":-0.006470322996998827},{"text":"Okay.","start":803.445,"end":803.945,"sentiment":"neutral","sentiment_score":-0.012299063615500929}],"sentiment":"neutral","sentiment_score":-0.0011038255826052693,"num_words":18,"start":789.45,"end":803.945},{"sentences":[{"text":"Yes.","start":811.56,"end":811.88,"sentiment":"neutral","sentiment_score":0.023867791518568993},{"text":"Okay.","start":811.88,"end":812.28,"sentiment":"neutral","sentiment_score":0.06787586957216263},{"text":"No worries.","start":812.28,"end":812.76,"sentiment":"neutral","sentiment_score":0.09348168969154358},{"text":"It sounds like you're going through a little bit there.","start":812.76,"end":814.94,"sentiment":"neutral","sentiment_score":0.023968564718961714},{"text":"It's a bit of a well, hopefully, that all gets sorted fairly soon there for you.","start":816.28,"end":821.5,"sentiment":"neutral","sentiment_score":0.08980906382203102}],"sentiment":"neutral","sentiment_score":0.06517792362719774,"num_words":30,"start":811.56,"end":821.5},{"sentences":[{"text":"I'll make a note that we can touch base on that again early next year.","start":821.72003,"end":824.76,"sentiment":"neutral","sentiment_score":0.1560631016890208},{"text":"So maybe if we sit down and do a catch up in about six months' time, that brings us to about the March 1.","start":824.76,"end":830.605,"sentiment":"neutral","sentiment_score":0.08793067513033748},{"text":"We can reassess contributions, look at where you're at with that $20,000 deposit as well, and we can always factor into the advice how to make that $20,000 deposit into super to benefit you the most.","start":830.605,"end":842.8,"sentiment":"neutral","sentiment_score":0.16742528354128203},{"text":"Does that sound okay?","start":842.8,"end":844.10004,"sentiment":"neutral","sentiment_score":0.15817183256149292},{"text":"Perfect.","start":846.56,"end":847.06,"sentiment":"positive","sentiment_score":0.5906549692153931}],"sentiment":"neutral","sentiment_score":0.14627419044263662,"num_words":80,"start":821.72003,"end":847.06},{"sentences":[{"text":"I'll say the March 1.","start":847.28,"end":849.30005,"sentiment":"neutral","sentiment_score":0.26864854991436005},{"text":"Excellent.","start":849.44,"end":849.94,"sentiment":"positive","sentiment_score":0.5930935144424438},{"text":"Fantastic.","start":850.64,"end":851.14,"sentiment":"neutral","sentiment_score":0.04455458000302315},{"text":"The other thing to sort of have a look at now, you kinda did mention last time that you were hoping to access Uber at around about age 67.","start":852.285,"end":858.945,"sentiment":"neutral","sentiment_score":-0.014798546563191661},{"text":"The with you having that new loan, and you kinda mentioned you wanted to have the Ford Everest paid off prior to you retiring.","start":860.125,"end":868.44,"sentiment":"neutral","sentiment_score":0.012722936769326528}],"sentiment":"neutral","sentiment_score":0.03095139126914243,"num_words":60,"start":847.28,"end":868.44},{"sentences":[{"text":"Is that right?","start":868.44,"end":869.66003,"sentiment":"neutral","sentiment_score":0.014172927166024843},{"text":"Yep.","start":871.80005,"end":872.30005,"sentiment":"neutral","sentiment_score":0.0134934913367033},{"text":"Yep.","start":872.44,"end":872.94,"sentiment":"neutral","sentiment_score":0.01299525424838066},{"text":"Nearly paid off.","start":874.68,"end":875.4,"sentiment":"neutral","sentiment_score":-0.0251834603647391},{"text":"That's okay.","start":875.4,"end":876.12,"sentiment":"neutral","sentiment_score":0.0694738756865263}],"sentiment":"neutral","sentiment_score":0.013240489736199379,"num_words":10,"start":868.44,"end":876.12},{"sentences":[{"text":"Because being that you're 62 years of age now, essentially, up to age 67 gives you five years away.","start":876.12,"end":882.575,"sentiment":"neutral","sentiment_score":-0.1257741553218741},{"text":"So are you more likely to maybe work a little bit longer than age 67, or are you definitely wanting to stop work at 67?","start":882.575,"end":889.375,"sentiment":"neutral","sentiment_score":-0.25741919577121736},{"text":"That's kind of a not, you know, not something you wanna change?","start":889.375,"end":893.955,"sentiment":"neutral","sentiment_score":-0.30506712446610135},{"text":"Working a bit longer.","start":900.32,"end":901.36,"sentiment":"neutral","sentiment_score":-0.054374488070607185},{"text":"Yep.","start":901.36,"end":901.6,"sentiment":"neutral","sentiment_score":0.14778080582618713}],"sentiment":"neutral","sentiment_score":-0.2058313358269754,"num_words":61,"start":876.12,"end":901.6},{"sentences":[{"text":"That's okay.","start":901.6,"end":902.24,"sentiment":"positive","sentiment_score":0.3805643320083618},{"text":"Perfect.","start":902.24,"end":902.74,"sentiment":"positive","sentiment_score":0.73285973072052},{"text":"Excellent.","start":903.12,"end":903.62,"sentiment":"positive","sentiment_score":0.6864696741104126},{"text":"What I wanted to do as well is just run through a quick risk profile questionnaire just to kinda gauge where you're sitting because you are in more of a growth kind of portfolio.","start":904.0,"end":912.175,"sentiment":"neutral","sentiment_score":0.11162769049406052},{"text":"You you are sort of seeing about 80% of your super in those growth assets.","start":912.555,"end":916.315,"sentiment":"neutral","sentiment_score":0.08068973521391551}],"sentiment":"neutral","sentiment_score":0.13558765233687634,"num_words":53,"start":901.6,"end":916.315},{"sentences":[{"text":"So I think things like Australian shares, international shares, property, and then some, you know, gold and silver and commodities and precious metals in there as well.","start":916.315,"end":925.055,"sentiment":"neutral","sentiment_score":0.059626439931216066},{"text":"So in that kind of environment, it does suit someone who has at least six years before accessing their super.","start":925.22003,"end":930.68,"sentiment":"neutral","sentiment_score":0.006453585438430309},{"text":"Realistically, with that 80% invested in those growth assets, you are sort of hoping to obtain around about a seven to 9% on a yearly basis, but we understand the likelihood of a negative return is expected kind of one in every five years as well.","start":931.3,"end":944.375,"sentiment":"neutral","sentiment_score":-0.127120161348063},{"text":"So that's sort of why when you are about sort of five to six years from accessing your super that we wanna start looking at trying to reduce the risk level a little bit for you to kind of start protecting your capital there.","start":944.375,"end":955.79,"sentiment":"neutral","sentiment_score":-0.03620664292777127},{"text":"But it also comes down to are you more likely to actually retire at 67, or are you, you know, happy to work a little bit longer?","start":956.01,"end":964.25,"sentiment":"neutral","sentiment_score":0.002763861354819878}],"sentiment":"neutral","sentiment_score":-0.034311035776471085,"num_words":164,"start":916.315,"end":964.25},{"sentences":[{"text":"So if we sort of got close to, you know, age 65 or 66 and we saw a bit of a market dip and things weren't really, performing as well, are you open to working to age 67, 68, 69, 70 to kind of allow your portfolio to come back, or are you more, you know, ready to retire, you've had enough, and you really wanna stop working?","start":964.25,"end":986.45,"sentiment":"neutral","sentiment_score":-0.031244646292179823},{"text":"How do you think you might sort of act in that scenario?","start":986.45,"end":988.71,"sentiment":"neutral","sentiment_score":-0.047809919652839504},{"text":"Yep.","start":997.01,"end":997.51,"sentiment":"neutral","sentiment_score":-0.014949257485568523},{"text":"Not before 06/08.","start":997.57,"end":998.745,"sentiment":"neutral","sentiment_score":-0.02100914561500152},{"text":"Yep.","start":998.745,"end":998.985,"sentiment":"neutral","sentiment_score":0.04698803648352623}],"sentiment":"neutral","sentiment_score":-0.03210992519469822,"num_words":85,"start":964.25,"end":998.985},{"sentences":[{"text":"That's okay.","start":998.985,"end":999.705,"sentiment":"neutral","sentiment_score":0.2303662896156311},{"text":"Perfect.","start":999.705,"end":1000.205,"sentiment":"positive","sentiment_score":0.43315330147743225},{"text":"The other sort of question I have here is thinking about your super and the type of risk level that you are taking, do you consider yourself comfortable taking on a higher level of risk in the market to try and get greater potential returns?","start":1001.385,"end":1013.165,"sentiment":"neutral","sentiment_score":-0.03265260586308109},{"text":"Are you maybe comfortable taking a moderate or medium amount of risk to get the best returns possible, or are you not very comfortable taking risk in the market and knowing the returns are lower because of that?","start":1013.93,"end":1024.57,"sentiment":"neutral","sentiment_score":-0.07013212977663467},{"text":"Where do you think you sort of fit there?","start":1024.57,"end":1026.51,"sentiment":"neutral","sentiment_score":-0.043062850419018}],"sentiment":"neutral","sentiment_score":-0.03819018914119193,"num_words":95,"start":998.985,"end":1026.51},{"sentences":[{"text":"You would?","start":1030.565,"end":1031.125,"sentiment":"neutral","sentiment_score":-0.01041640155017376},{"text":"Yep.","start":1031.125,"end":1031.365,"sentiment":"neutral","sentiment_score":0.04301973804831505},{"text":"That's okay.","start":1031.365,"end":1031.925,"sentiment":"neutral","sentiment_score":0.1147342249751091},{"text":"Comfortable taking on a higher level of risk to get greater potential returns even though you are aware there is a downside as well.","start":1031.925,"end":1037.925,"sentiment":"neutral","sentiment_score":0.02508326860455175},{"text":"Does that sound okay?","start":1037.925,"end":1039.065,"sentiment":"neutral","sentiment_score":0.05061219446361065}],"sentiment":"neutral","sentiment_score":0.03200310937157183,"num_words":33,"start":1030.565,"end":1039.065},{"sentences":[{"text":"Yep.","start":1039.765,"end":1040.265,"sentiment":"neutral","sentiment_score":0.12511250376701355},{"text":"Beautiful.","start":1040.565,"end":1041.065,"sentiment":"positive","sentiment_score":0.40775981545448303},{"text":"Another fun one for you.","start":1041.97,"end":1043.5099,"sentiment":"neutral","sentiment_score":0.32651333808898925},{"text":"If you saw the mark fall by 20% in the next one to two years, how do you think you might react?","start":1043.6499,"end":1049.2699,"sentiment":"neutral","sentiment_score":-0.0511247691783038},{"text":"Do you think you'd be wanting to put more money into the super, make take advantage of the downtime?","start":1049.33,"end":1053.83,"sentiment":"neutral","sentiment_score":-0.0677957966139442}],"sentiment":"neutral","sentiment_score":-0.005154709331691265,"num_words":48,"start":1039.765,"end":1053.83},{"sentences":[{"text":"Are you a bit concerned and maybe holding and waiting and calling us to see what we think you should do?","start":1054.575,"end":1059.5549,"sentiment":"neutral","sentiment_score":-0.09707376715682801},{"text":"Or are you feeling really concerned and wanting to maybe sell your investments to cash?","start":1059.775,"end":1063.9349,"sentiment":"neutral","sentiment_score":-0.11511430939038594},{"text":"How do you think you might react?","start":1063.9349,"end":1065.5549,"sentiment":"neutral","sentiment_score":-0.07819351873227529},{"text":"Yep.","start":1068.735,"end":1069.05,"sentiment":"neutral","sentiment_score":0.09324146807193756},{"text":"Beautiful.","start":1069.2101,"end":1069.7101,"sentiment":"neutral","sentiment_score":0.2388644814491272}],"sentiment":"neutral","sentiment_score":-0.08845583183897866,"num_words":45,"start":1054.575,"end":1069.7101},{"sentences":[{"text":"Excellent.","start":1069.8501,"end":1070.3501,"sentiment":"positive","sentiment_score":0.3963465094566345},{"text":"Excellent.","start":1070.81,"end":1071.31,"sentiment":"neutral","sentiment_score":0.3045918941497803},{"text":"The next one here is have you ever seen your super fall in value in the past?","start":1072.41,"end":1076.25,"sentiment":"neutral","sentiment_score":-0.11343163865454056},{"text":"So thinking about market dips because we understand they do happen.","start":1076.25,"end":1079.7101,"sentiment":"neutral","sentiment_score":-0.10861519385467876},{"text":"And over the next, you know, five, six to ten years, there is going to be some sort of a market dip.","start":1080.17,"end":1084.785,"sentiment":"neutral","sentiment_score":-0.07639185745607723}],"sentiment":"neutral","sentiment_score":-0.07889975865299885,"num_words":52,"start":1069.8501,"end":1084.785},{"sentences":[{"text":"We know that that is a possibility.","start":1084.785,"end":1086.485,"sentiment":"neutral","sentiment_score":-0.05987488159111568},{"text":"How do you think you might feel if you saw your super falling value?","start":1087.8251,"end":1091.185,"sentiment":"neutral","sentiment_score":-0.15013855961816652},{"text":"Are you feeling optimistic about the investment opportunity?","start":1091.185,"end":1093.925,"sentiment":"neutral","sentiment_score":0.1325779389590025},{"text":"Money you wanted to put some money into the market?","start":1093.985,"end":1096.245,"sentiment":"neutral","sentiment_score":-0.07467830292880535},{"text":"Are you cautious, concerned, or feeling anxious?","start":1096.37,"end":1098.77,"sentiment":"neutral","sentiment_score":-0.18714029554809844}],"sentiment":"neutral","sentiment_score":-0.0764609911357579,"num_words":46,"start":1084.785,"end":1098.77},{"sentences":[{"text":"How do you think you might be feeling?","start":1098.77,"end":1101.03,"sentiment":"neutral","sentiment_score":-0.1097495211288333},{"text":"Yeah.","start":1103.9701,"end":1104.4701,"sentiment":"neutral","sentiment_score":-0.05453230440616608},{"text":"Yep.","start":1105.65,"end":1105.9701,"sentiment":"neutral","sentiment_score":0.06407187134027481},{"text":"That's okay.","start":1105.9701,"end":1106.79,"sentiment":"neutral","sentiment_score":0.09313596412539482},{"text":"No.","start":1109.735,"end":1109.975,"sentiment":"neutral","sentiment_score":0.004788760095834732}],"sentiment":"neutral","sentiment_score":-0.0521073779807641,"num_words":13,"start":1098.77,"end":1109.975},{"sentences":[{"text":"That's okay.","start":1109.975,"end":1110.6951,"sentiment":"neutral","sentiment_score":0.08546509221196175},{"text":"Is it it sounds like you're you're not sort of really concerned or anxious.","start":1110.6951,"end":1114.135,"sentiment":"neutral","sentiment_score":-0.019277294565524374},{"text":"Do you think you'd be maybe just cautious or optimistic?","start":1114.135,"end":1116.635,"sentiment":"neutral","sentiment_score":-0.020951935648918153},{"text":"Where do you think you fit on that scale?","start":1116.6951,"end":1118.555,"sentiment":"neutral","sentiment_score":0.029856691757837932},{"text":"Optimistic?","start":1121.495,"end":1121.995,"sentiment":"positive","sentiment_score":0.5662714242935181}],"sentiment":"neutral","sentiment_score":0.014625287614762783,"num_words":36,"start":1109.975,"end":1121.995},{"sentences":[{"text":"I love it.","start":1122.935,"end":1123.8351,"sentiment":"positive","sentiment_score":0.770829975605011},{"text":"And the last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds, or would you only ever wanna borrow for, say, property?","start":1124.12,"end":1132.3,"sentiment":"neutral","sentiment_score":0.04025354586979922},{"text":"Nothing is unfortunate.","start":1139.485,"end":1140.705,"sentiment":"neutral","sentiment_score":-0.07546403259038925},{"text":"There's no such thing as a safe investment.","start":1140.7649,"end":1142.5449,"sentiment":"neutral","sentiment_score":-0.0883708968758583},{"text":"They're all going up and down.","start":1143.6449,"end":1145.565,"sentiment":"neutral","sentiment_score":-0.08966676394144694}],"sentiment":"neutral","sentiment_score":0.040921307962249825,"num_words":54,"start":1122.935,"end":1145.565},{"sentences":[{"text":"Yeah.","start":1145.565,"end":1146.065,"sentiment":"neutral","sentiment_score":-0.015189873985946178},{"text":"You have?","start":1149.4049,"end":1150.0449,"sentiment":"neutral","sentiment_score":-0.00078169209882617},{"text":"Yep.","start":1150.0449,"end":1150.5449,"sentiment":"neutral","sentiment_score":-0.0016251064371317625},{"text":"Your money?","start":1155.26,"end":1156.08,"sentiment":"neutral","sentiment_score":-0.027173079550266266},{"text":"Yeah.","start":1156.94,"end":1157.44,"sentiment":"neutral","sentiment_score":-0.0055687762796878815}],"sentiment":"neutral","sentiment_score":-0.011184757142992956,"num_words":7,"start":1145.565,"end":1157.44},{"sentences":[{"text":"Yeah.","start":1177.355,"end":1177.595,"sentiment":"neutral","sentiment_score":0.02753853052854538},{"text":"Right.","start":1177.595,"end":1178.04,"sentiment":"neutral","sentiment_score":0.04281646013259888},{"text":"Yep.","start":1189.16,"end":1189.66,"sentiment":"neutral","sentiment_score":0.04238903149962425},{"text":"Okay.","start":1189.88,"end":1190.38,"sentiment":"neutral","sentiment_score":0.06487636268138885},{"text":"Yeah.","start":1190.4401,"end":1190.76,"sentiment":"neutral","sentiment_score":0.13401451706886292}],"sentiment":"neutral","sentiment_score":0.06232698038220406,"num_words":5,"start":1177.355,"end":1190.76},{"sentences":[{"text":"Perfect.","start":1190.76,"end":1191.26,"sentiment":"positive","sentiment_score":0.3466392159461975},{"text":"So it's a different sort of way of borrowing to invest.","start":1191.575,"end":1194.155,"sentiment":"neutral","sentiment_score":0.05502274530855092},{"text":"Yeah.","start":1194.295,"end":1194.535,"sentiment":"neutral","sentiment_score":0.10948693752288818},{"text":"Absolutely.","start":1194.535,"end":1195.035,"sentiment":"neutral","sentiment_score":0.18030387163162231},{"text":"Yeah.","start":1195.735,"end":1196.235,"sentiment":"neutral","sentiment_score":0.1898776739835739}],"sentiment":"neutral","sentiment_score":0.0954371931652228,"num_words":15,"start":1190.76,"end":1196.235},{"sentences":[{"text":"Beautiful.","start":1196.295,"end":1196.775,"sentiment":"positive","sentiment_score":0.4858705997467041},{"text":"How did you find that when you did it?","start":1196.775,"end":1198.375,"sentiment":"neutral","sentiment_score":0.16854860302474764},{"text":"Was it something you would ever do again, or you were quite happy doing it back then and never again?","start":1198.375,"end":1203.115,"sentiment":"neutral","sentiment_score":0.1691163070499897},{"text":"How did you find it?","start":1203.51,"end":1209.01,"sentiment":"neutral","sentiment_score":0.05131821483373642},{"text":"No.","start":1213.03,"end":1213.27,"sentiment":"neutral","sentiment_score":-0.21976305544376373}],"sentiment":"neutral","sentiment_score":0.15061006074150404,"num_words":36,"start":1196.295,"end":1213.27},{"sentences":[{"text":"No.","start":1213.27,"end":1213.59,"sentiment":"neutral","sentiment_score":-0.21521079540252688},{"text":"That's okay.","start":1213.59,"end":1214.15,"sentiment":"neutral","sentiment_score":-0.1088126190006733},{"text":"And when you because one of your goals is to be able to draw money out of both of your supers to purchase a property down the track.","start":1214.15,"end":1220.435,"sentiment":"neutral","sentiment_score":0.01055054206933294},{"text":"Would that be your main primary residence, or would you be sort of focusing on borrowing to, in like, to rent the property out?","start":1220.755,"end":1228.055,"sentiment":"neutral","sentiment_score":-0.00527094944845885},{"text":"Yep.","start":1236.11,"end":1236.61,"sentiment":"neutral","sentiment_score":0.020133821293711662}],"sentiment":"neutral","sentiment_score":-0.004353389659497354,"num_words":56,"start":1213.27,"end":1236.61},{"sentences":[{"text":"Yep.","start":1242.03,"end":1242.435,"sentiment":"neutral","sentiment_score":0.022878792136907578},{"text":"Yeah.","start":1243.2351,"end":1243.555,"sentiment":"neutral","sentiment_score":0.08226567506790161},{"text":"Absolutely.","start":1243.555,"end":1244.055,"sentiment":"positive","sentiment_score":0.4745524823665619},{"text":"Perfect.","start":1244.435,"end":1244.935,"sentiment":"positive","sentiment_score":0.6711032390594482},{"text":"Excellent.","start":1245.2351,"end":1245.7151,"sentiment":"positive","sentiment_score":0.6470851898193359}],"sentiment":"positive","sentiment_score":0.3795770756900311,"num_words":5,"start":1242.03,"end":1245.7151},{"sentences":[{"text":"Well, thank you for that.","start":1245.7151,"end":1247.015,"sentiment":"positive","sentiment_score":0.631114661693573},{"text":"Now you have scored in that kinda growth environment, that range, and that's where you're sitting at the moment with that 80% and those growth assets.","start":1247.2351,"end":1254.375,"sentiment":"neutral","sentiment_score":0.26880143869381684},{"text":"We always like to make sure you do have some lower risk defensive investments in your portfolio.","start":1255.01,"end":1259.59,"sentiment":"neutral","sentiment_score":0.18417281306841793},{"text":"And in a growth environment, you'd expect about 20% invested in cash, bonds, and fixed interest.","start":1260.21,"end":1265.4099,"sentiment":"neutral","sentiment_score":0.1403045989573002},{"text":"So it's about having a mix of high risk investments to get growth, but also some lower risk investments for defensiveness.","start":1265.4099,"end":1271.3151,"sentiment":"neutral","sentiment_score":0.12839323353199733}],"sentiment":"neutral","sentiment_score":0.2143115296959877,"num_words":85,"start":1245.7151,"end":1271.3151},{"sentences":[{"text":"So when, you know, the shares or the market might be a bit volatile, some of those lower risk defensive investments should be income producing and fairly steady to help even out market returns over the longer term there.","start":1271.615,"end":1282.1951,"sentiment":"neutral","sentiment_score":0.1296633766629757},{"text":"Are you fairly comfortable staying in that for a few more months and we maybe reevaluate that in six months' time, or would you like to start reducing your risk level now?","start":1282.74,"end":1291.54,"sentiment":"neutral","sentiment_score":0.03220179403433576},{"text":"How do you feel?","start":1291.54,"end":1292.52,"sentiment":"neutral","sentiment_score":-0.13264992088079453},{"text":"Yep.","start":1294.18,"end":1294.485,"sentiment":"neutral","sentiment_score":0.27401190996170044},{"text":"Beautiful.","start":1294.885,"end":1295.385,"sentiment":"positive","sentiment_score":0.5104758739471436}],"sentiment":"neutral","sentiment_score":0.08235347012130471,"num_words":77,"start":1271.615,"end":1295.385},{"sentences":[{"text":"Beautiful.","start":1295.445,"end":1295.845,"sentiment":"positive","sentiment_score":0.46322929859161377},{"text":"Well, what we'll do is I'll put a little marker aside that will touch base in March.","start":1295.845,"end":1300.345,"sentiment":"neutral","sentiment_score":0.11990372223012588},{"text":"We'll do a bit of a six month review with how things are tracking within your super, look at making additional contributions, and look at what we can do moving forward, and maybe update the advice to reflect everything then.","start":1300.485,"end":1310.46,"sentiment":"neutral","sentiment_score":0.17299168277531862},{"text":"How does that sound?","start":1311.1,"end":1312.1599,"sentiment":"neutral","sentiment_score":0.14079275727272034},{"text":"Yep.","start":1312.62,"end":1313.12,"sentiment":"neutral","sentiment_score":0.2232183068990707}],"sentiment":"neutral","sentiment_score":0.16202617815089604,"num_words":63,"start":1295.445,"end":1313.12},{"sentences":[{"text":"Beautiful.","start":1314.22,"end":1314.72,"sentiment":"positive","sentiment_score":0.5271898508071899},{"text":"Excellent.","start":1315.58,"end":1316.08,"sentiment":"positive","sentiment_score":0.4596884846687317},{"text":"Now the only other thing to kinda look at with regard to those documents that we were looking at before is you don't have any personal insurances, the life TBD, income protection, protection trauma, essentially, given not having any of those.","start":1316.2999,"end":1329.4349,"sentiment":"neutral","sentiment_score":-0.014612549279884594},{"text":"Are you happy not having any personal insurances?","start":1329.4349,"end":1332.1749,"sentiment":"neutral","sentiment_score":-0.02010828210040927},{"text":"Did you wanna sort of talk about what they are, how they can provide benefit, or are you just comfortable in trying to boost your super for retirement?","start":1332.315,"end":1338.8949,"sentiment":"neutral","sentiment_score":0.04004304130960788}],"sentiment":"neutral","sentiment_score":0.01706459132742278,"num_words":79,"start":1314.22,"end":1338.8949},{"sentences":[{"text":"What's your thoughts there?","start":1339.4299,"end":1340.8099,"sentiment":"neutral","sentiment_score":-0.0019891294359695166},{"text":"Okay.","start":1345.27,"end":1345.77,"sentiment":"neutral","sentiment_score":0.017018407583236694},{"text":"Yep.","start":1347.83,"end":1348.23,"sentiment":"neutral","sentiment_score":0.07605033367872238},{"text":"That's okay.","start":1348.23,"end":1349.0499,"sentiment":"neutral","sentiment_score":0.15272913873195648},{"text":"And is that just paid out of your back pocket?","start":1349.19,"end":1351.85,"sentiment":"neutral","sentiment_score":0.07280315458774567}],"sentiment":"neutral","sentiment_score":0.062144558158858366,"num_words":18,"start":1339.4299,"end":1351.85},{"sentences":[{"text":"Yep.","start":1354.865,"end":1355.105,"sentiment":"neutral","sentiment_score":0.07787589728832245},{"text":"That's okay.","start":1355.105,"end":1355.925,"sentiment":"neutral","sentiment_score":0.1863451972603798},{"text":"Beautiful.","start":1356.145,"end":1356.645,"sentiment":"positive","sentiment_score":0.5004391670227051},{"text":"Life insurance paid personally.","start":1356.865,"end":1358.725,"sentiment":"neutral","sentiment_score":0.291286151856184},{"text":"Beautiful.","start":1360.145,"end":1360.645,"sentiment":"positive","sentiment_score":0.369421124458313}],"sentiment":"neutral","sentiment_score":0.2761745767460929,"num_words":9,"start":1354.865,"end":1360.645},{"sentences":[{"text":"How much are you covered for with life cover?","start":1360.7051,"end":1362.9651,"sentiment":"neutral","sentiment_score":0.052966102957725525},{"text":"You've made it feel worse more.","start":1381.145,"end":1383.245,"sentiment":"negative","sentiment_score":-0.5583334068457285},{"text":"Alright.","start":1387.625,"end":1388.125,"sentiment":"neutral","sentiment_score":-0.04246151074767113},{"text":"The smoke is right.","start":1389.385,"end":1390.425,"sentiment":"neutral","sentiment_score":-0.054083201102912426},{"text":"Yep.","start":1390.425,"end":1390.925,"sentiment":"neutral","sentiment_score":-0.004677333869040012}],"sentiment":"neutral","sentiment_score":-0.14937034111824773,"num_words":21,"start":1360.7051,"end":1390.925},{"sentences":[{"text":"Mhmm.","start":1394.38,"end":1394.88,"sentiment":"neutral","sentiment_score":-0.03226085752248764},{"text":"Yes.","start":1395.42,"end":1395.8201,"sentiment":"neutral","sentiment_score":-0.02624601498246193},{"text":"Smoke is right.","start":1395.8201,"end":1396.7001,"sentiment":"neutral","sentiment_score":-0.10810963809490202},{"text":"Yes.","start":1396.7001,"end":1396.9401,"sentiment":"neutral","sentiment_score":-0.12949442863464355},{"text":"That makes it very expensive.","start":1396.9401,"end":1398.3201,"sentiment":"negative","sentiment_score":-0.34987773895263674}],"sentiment":"neutral","sentiment_score":-0.2056108100170439,"num_words":11,"start":1394.38,"end":1398.3201},{"sentences":[{"text":"When he stopped for twelve months, they might be willing to review that for him.","start":1405.0751,"end":1408.6951,"sentiment":"neutral","sentiment_score":-0.1673383504152298},{"text":"Yeah.","start":1416.675,"end":1417.0751,"sentiment":"neutral","sentiment_score":0.013068696483969688},{"text":"Oh, good on him for stopping.","start":1417.0751,"end":1418.515,"sentiment":"neutral","sentiment_score":0.22663564731677374},{"text":"That's fantastic.","start":1418.515,"end":1419.4,"sentiment":"positive","sentiment_score":0.43181489408016205},{"text":"It's not easy.","start":1419.4,"end":1420.54,"sentiment":"neutral","sentiment_score":-0.09714329491058986}],"sentiment":"neutral","sentiment_score":-0.020925658237602975,"num_words":27,"start":1405.0751,"end":1420.54},{"sentences":[{"text":"Beautiful.","start":1426.12,"end":1426.62,"sentiment":"neutral","sentiment_score":0.2495725452899933},{"text":"So a 150,000 there.","start":1426.76,"end":1428.52,"sentiment":"neutral","sentiment_score":0.08460481278598309},{"text":"Excellent.","start":1428.52,"end":1429.02,"sentiment":"neutral","sentiment_score":0.1998089700937271},{"text":"And who's the insurer of the policy?","start":1429.56,"end":1431.58,"sentiment":"neutral","sentiment_score":0.023811894602009227},{"text":"Who's it insured with?","start":1431.64,"end":1432.785,"sentiment":"neutral","sentiment_score":0.003481162086245604}],"sentiment":"neutral","sentiment_score":0.056965216299217636,"num_words":17,"start":1426.12,"end":1432.785},{"sentences":[{"text":"I'm so sorry.","start":1435.505,"end":1436.305,"sentiment":"neutral","sentiment_score":-0.06292173142234485},{"text":"Can you repeat that for me?","start":1436.305,"end":1437.685,"sentiment":"neutral","sentiment_score":-0.026264517723272245},{"text":"Golden Life Insurance.","start":1440.0651,"end":1441.285,"sentiment":"neutral","sentiment_score":0.02609018546839555},{"text":"Perfect.","start":1441.5851,"end":1442.0851,"sentiment":"neutral","sentiment_score":0.21667072176933289},{"text":"Yeah.","start":1445.8251,"end":1446.145,"sentiment":"neutral","sentiment_score":0.009463990107178688}],"sentiment":"neutral","sentiment_score":-0.0029962165946406977,"num_words":14,"start":1435.505,"end":1446.145},{"sentences":[{"text":"And you just pay the pre sorry.","start":1446.145,"end":1448.405,"sentiment":"neutral","sentiment_score":-0.021465172991156578},{"text":"Fortnightly.","start":1455.3201,"end":1455.8201,"sentiment":"neutral","sentiment_score":0.023579761385917664},{"text":"Yep.","start":1456.12,"end":1456.4401,"sentiment":"neutral","sentiment_score":0.04237615317106247},{"text":"That's okay.","start":1456.4401,"end":1457.18,"sentiment":"neutral","sentiment_score":0.08542373403906822},{"text":"And are you happy just keeping that aside and kind of altering it as you need to?","start":1457.64,"end":1461.96,"sentiment":"neutral","sentiment_score":0.047402303556309026}],"sentiment":"neutral","sentiment_score":0.031870940434081216,"num_words":28,"start":1446.145,"end":1461.96},{"sentences":[{"text":"Did you want us to look at maybe adding a third party authority to help you kinda look after the policy?","start":1461.96,"end":1467.075,"sentiment":"neutral","sentiment_score":-0.013802773540928251},{"text":"Or yep.","start":1467.215,"end":1472.995,"sentiment":"neutral","sentiment_score":-0.16557279787957668},{"text":"Yeah.","start":1475.1349,"end":1475.455,"sentiment":"neutral","sentiment_score":-0.03865591809153557},{"text":"Absolutely.","start":1475.455,"end":1475.955,"sentiment":"neutral","sentiment_score":-0.046341732144355774},{"text":"Yeah.","start":1480.09,"end":1480.49,"sentiment":"neutral","sentiment_score":0.16692808270454407}],"sentiment":"neutral","sentiment_score":-0.020733592601922844,"num_words":26,"start":1461.96,"end":1480.49},{"sentences":[{"text":"Absolutely.","start":1480.49,"end":1480.99,"sentiment":"positive","sentiment_score":0.4712848663330078},{"text":"That's not a problem at all.","start":1481.2899,"end":1482.73,"sentiment":"positive","sentiment_score":0.4512985398372014},{"text":"Beautiful.","start":1482.73,"end":1483.23,"sentiment":"positive","sentiment_score":0.742929220199585},{"text":"Excellent.","start":1484.4099,"end":1484.9099,"sentiment":"positive","sentiment_score":0.7221837043762207},{"text":"The other thing this will look at is the beneficiary side of things.","start":1485.61,"end":1488.4099,"sentiment":"neutral","sentiment_score":0.20069889552318132}],"sentiment":"neutral","sentiment_score":0.32969430326060817,"num_words":22,"start":1480.49,"end":1488.4099},{"sentences":[{"text":"So I'm just having a quick look at your super to have the beneficiaries.","start":1488.4099,"end":1493.375,"sentiment":"neutral","sentiment_score":0.10708950726049286},{"text":"Now just kind of reaffirming, have you guys spoken about doing up a will, power of attorney documents, estate planning, or seeking the services of a solicitor to draw off any of those documents?","start":1493.515,"end":1504.255,"sentiment":"neutral","sentiment_score":0.03876469470560551},{"text":"No.","start":1522.3451,"end":1522.665,"sentiment":"neutral","sentiment_score":-0.0864393562078476},{"text":"That's okay.","start":1522.665,"end":1523.645,"sentiment":"neutral","sentiment_score":-0.027845950797200203},{"text":"Would you like us to resend the documents to you, and would you like me to help by preselling them for you as well?","start":1524.745,"end":1530.925,"sentiment":"neutral","sentiment_score":0.03787706994141141}],"sentiment":"neutral","sentiment_score":0.04778894856572151,"num_words":75,"start":1488.4099,"end":1530.925},{"sentences":[{"text":"Yep.","start":1532.7,"end":1533.2,"sentiment":"neutral","sentiment_score":0.08664041757583618},{"text":"Fantastic.","start":1534.14,"end":1534.64,"sentiment":"positive","sentiment_score":0.38823360204696655},{"text":"Not a problem.","start":1535.02,"end":1535.66,"sentiment":"neutral","sentiment_score":0.21124518911043802},{"text":"So, yeah, I can see there's no beneficiary noted on file here.","start":1535.66,"end":1538.8,"sentiment":"neutral","sentiment_score":0.059640710862974324},{"text":"So if in the event that something was to happen to you, where would you like your super directed to?","start":1539.02,"end":1544.56,"sentiment":"neutral","sentiment_score":0.05379728265106678}],"sentiment":"neutral","sentiment_score":0.07838496676570661,"num_words":37,"start":1532.7,"end":1544.56},{"sentences":[{"text":"John?","start":1544.835,"end":1545.335,"sentiment":"neutral","sentiment_score":0.01764022931456566},{"text":"Beautiful.","start":1546.355,"end":1546.835,"sentiment":"neutral","sentiment_score":0.21483230590820312},{"text":"And we do have all John's details here.","start":1546.835,"end":1548.755,"sentiment":"neutral","sentiment_score":0.1412839312106371},{"text":"Are you happy for us to prefill the document with his information for you to make it easier?","start":1548.755,"end":1553.015,"sentiment":"neutral","sentiment_score":0.15623467125826412},{"text":"Yep.","start":1554.355,"end":1554.835,"sentiment":"neutral","sentiment_score":0.06658212840557098}],"sentiment":"neutral","sentiment_score":0.14626035158490314,"num_words":29,"start":1544.835,"end":1554.835},{"sentences":[{"text":"Beautiful.","start":1554.835,"end":1555.335,"sentiment":"neutral","sentiment_score":0.22904208302497864},{"text":"I will just double check that I have everything correctly.","start":1555.475,"end":1557.875,"sentiment":"neutral","sentiment_score":0.14404751285910605},{"text":"What's his date of birth just to confirm?","start":1557.875,"end":1560.0549,"sentiment":"neutral","sentiment_score":0.0467829997651279},{"text":"1967.","start":1564.04,"end":1565.24,"sentiment":"neutral","sentiment_score":0.02039322443306446},{"text":"Beautiful.","start":1565.24,"end":1565.74,"sentiment":"neutral","sentiment_score":0.16746339201927185}],"sentiment":"neutral","sentiment_score":0.10626846791378089,"num_words":21,"start":1554.835,"end":1565.74},{"sentences":[{"text":"Thank you for that.","start":1565.88,"end":1566.94,"sentiment":"positive","sentiment_score":0.35187314450740814},{"text":"You're 70.","start":1568.6799,"end":1569.42,"sentiment":"neutral","sentiment_score":0.10336103662848473},{"text":"No.","start":1572.9651,"end":1573.285,"sentiment":"neutral","sentiment_score":-0.04958215355873108},{"text":"But I will update that.","start":1573.285,"end":1574.645,"sentiment":"neutral","sentiment_score":0.006312397494912148},{"text":"Congratulations.","start":1574.645,"end":1575.145,"sentiment":"neutral","sentiment_score":0.1270926296710968}],"sentiment":"neutral","sentiment_score":0.13256054729796374,"num_words":13,"start":1565.88,"end":1575.145},{"sentences":[{"text":"When did you get married?","start":1575.605,"end":1576.905,"sentiment":"neutral","sentiment_score":0.02383928820490837},{"text":"Wow.","start":1583.765,"end":1584.0851,"sentiment":"neutral","sentiment_score":0.13007503747940063},{"text":"Well, congratulations.","start":1584.0851,"end":1584.905,"sentiment":"neutral","sentiment_score":0.24272141233086586},{"text":"That's fantastic.","start":1585.765,"end":1586.505,"sentiment":"positive","sentiment_score":0.4272926449775696},{"text":"Yep.","start":1589.64,"end":1590.14,"sentiment":"neutral","sentiment_score":0.038529057055711746}],"sentiment":"neutral","sentiment_score":0.14798442274332047,"num_words":11,"start":1575.605,"end":1590.14},{"sentences":[{"text":"Beautiful.","start":1591.8,"end":1592.3,"sentiment":"neutral","sentiment_score":0.27524834871292114},{"text":"I'll make an update there.","start":1592.44,"end":1593.72,"sentiment":"neutral","sentiment_score":0.20152027308940887},{"text":"So married.","start":1593.72,"end":1594.46,"sentiment":"neutral","sentiment_score":0.08307963609695435},{"text":"Excellent.","start":1594.52,"end":1595.02,"sentiment":"neutral","sentiment_score":0.1928798258304596},{"text":"Now is your surname remaining the same under Patterson?","start":1595.96,"end":1598.86,"sentiment":"neutral","sentiment_score":0.044163922468821205}],"sentiment":"neutral","sentiment_score":0.11329800635576248,"num_words":18,"start":1591.8,"end":1598.86},{"sentences":[{"text":"Did you need to update any of those details?","start":1598.92,"end":1601.1,"sentiment":"neutral","sentiment_score":-0.006471328230367767},{"text":"No.","start":1603.275,"end":1603.515,"sentiment":"neutral","sentiment_score":-0.1571355164051056},{"text":"That's okay.","start":1603.515,"end":1604.335,"sentiment":"neutral","sentiment_score":-0.13384601473808289},{"text":"Yeah.","start":1609.835,"end":1610.155,"sentiment":"neutral","sentiment_score":-0.00017082877457141876},{"text":"No.","start":1610.155,"end":1610.5549,"sentiment":"neutral","sentiment_score":-0.012782270088791847}],"sentiment":"neutral","sentiment_score":-0.03543018562985318,"num_words":14,"start":1598.92,"end":1610.5549},{"sentences":[{"text":"Understandable.","start":1610.5549,"end":1611.0549,"sentiment":"neutral","sentiment_score":0.03452647477388382},{"text":"Not a problem at all.","start":1611.6749,"end":1613.115,"sentiment":"neutral","sentiment_score":0.15183885097503663},{"text":"So I'll make a note here that we'll get the beneficiaries prefilled for you and sent out.","start":1613.115,"end":1617.52,"sentiment":"neutral","sentiment_score":0.17853635593372233},{"text":"Now just to kinda go through a couple of details, there are some additional things to think about when you are nominating a beneficiary, and one of those is essentially what kind of beneficiary you want nominated.","start":1617.8201,"end":1628.14,"sentiment":"neutral","sentiment_score":0.07826099202439592},{"text":"They have three different kinds.","start":1628.14,"end":1629.76,"sentiment":"neutral","sentiment_score":0.033467866480350494}],"sentiment":"neutral","sentiment_score":0.10602822796656536,"num_words":65,"start":1610.5549,"end":1629.76},{"sentences":[{"text":"They have nonbinding, which means that you can tell the trustee what you want, but, ultimately, they make the call and can decide which way they're gonna go with the the benefit payout.","start":1630.0549,"end":1639.115,"sentiment":"neutral","sentiment_score":0.06842337864817995},{"text":"You also have a binding lapsing, which makes the trustee follow your direction, but you have to update the form every three years, or they have a binding non lapsing, which means we can fill it out now, have it on file or on file with the super funds.","start":1639.575,"end":1653.53,"sentiment":"neutral","sentiment_score":0.07075561438592112},{"text":"It is binding the trustee to follow your direction, and you don't have to refill the format unless you wanna alter your nomination.","start":1653.53,"end":1659.985,"sentiment":"neutral","sentiment_score":0.07117239855553793},{"text":"Do you know which way you would be comfortable going?","start":1660.445,"end":1663.0249,"sentiment":"neutral","sentiment_score":0.02373318634927273},{"text":"Yeah.","start":1666.2849,"end":1666.5249,"sentiment":"neutral","sentiment_score":0.06989999115467072}],"sentiment":"neutral","sentiment_score":0.06611373811831762,"num_words":116,"start":1630.0549,"end":1666.5249},{"sentences":[{"text":"We'll fill it out once and make it easier.","start":1666.5249,"end":1668.7649,"sentiment":"neutral","sentiment_score":0.1477151248190138},{"text":"I like it.","start":1668.7649,"end":1669.6649,"sentiment":"positive","sentiment_score":0.48492557803789776},{"text":"Fantastic.","start":1670.9501,"end":1671.43,"sentiment":"positive","sentiment_score":0.5641272068023682},{"text":"And I'll make a note here that you are discussing doing up your power of attorney and will and everything as well.","start":1671.43,"end":1677.03,"sentiment":"neutral","sentiment_score":0.212463147260926},{"text":"Okay?","start":1677.03,"end":1677.53,"sentiment":"neutral","sentiment_score":0.0915701761841774}],"sentiment":"neutral","sentiment_score":0.22539165222810376,"num_words":36,"start":1666.5249,"end":1677.53},{"sentences":[{"text":"Having that done.","start":1679.43,"end":1680.55,"sentiment":"neutral","sentiment_score":0.17580456535021463},{"text":"Beautiful.","start":1680.55,"end":1681.05,"sentiment":"positive","sentiment_score":0.45521822571754456},{"text":"Other than that, I just need to run through and update some additional details with your assets and liabilities on file.","start":1682.15,"end":1688.675,"sentiment":"neutral","sentiment_score":0.10891975249562945},{"text":"Now we had it noted here.","start":1689.215,"end":1690.255,"sentiment":"neutral","sentiment_score":0.19877259681622186},{"text":"I've got your Ford Everest there, which is fantastic.","start":1690.255,"end":1692.435,"sentiment":"positive","sentiment_score":0.42269057366583085}],"sentiment":"neutral","sentiment_score":0.2066699367016554,"num_words":40,"start":1679.43,"end":1692.435},{"sentences":[{"text":"I also had last time a Subaru CXU.","start":1693.535,"end":1699.11,"sentiment":"neutral","sentiment_score":0.0791426682844758},{"text":"Is that your vehicle that you're currently paying a loan off?","start":1699.49,"end":1702.5499,"sentiment":"neutral","sentiment_score":0.03976628878577189},{"text":"Yep.","start":1703.49,"end":1703.99,"sentiment":"neutral","sentiment_score":0.12495136260986328},{"text":"Beautiful.","start":1704.0499,"end":1704.5499,"sentiment":"neutral","sentiment_score":0.32368171215057373},{"text":"I'm just gonna note that over here as well.","start":1704.69,"end":1707.11,"sentiment":"neutral","sentiment_score":0.1754803177383211}],"sentiment":"neutral","sentiment_score":0.10328421524415414,"num_words":30,"start":1693.535,"end":1707.11},{"sentences":[{"text":"And you said that's due to be fully paid off around November.","start":1707.25,"end":1710.305,"sentiment":"neutral","sentiment_score":0.0715297752370437},{"text":"Is that right?","start":1710.365,"end":1711.185,"sentiment":"neutral","sentiment_score":0.05094210555156072},{"text":"February next year.","start":1713.725,"end":1714.925,"sentiment":"neutral","sentiment_score":-0.006330324957768123},{"text":"Beautiful.","start":1714.925,"end":1715.425,"sentiment":"positive","sentiment_score":0.4343679547309875},{"text":"Excellent.","start":1717.965,"end":1718.465,"sentiment":"positive","sentiment_score":0.420509397983551}],"sentiment":"neutral","sentiment_score":0.09235349986702204,"num_words":20,"start":1707.25,"end":1718.465},{"sentences":[{"text":"And, roughly, what kind of value would you put on that Subaru CXU at the moment?","start":1718.765,"end":1724.5801,"sentiment":"neutral","sentiment_score":0.07205273630097508},{"text":"If you had to sell the asset, what would you want for it?","start":1726.88,"end":1729.8601,"sentiment":"neutral","sentiment_score":-0.19587230395812255},{"text":"That's okay.","start":1738.335,"end":1739.235,"sentiment":"neutral","sentiment_score":-0.09330994822084904},{"text":"I can quickly pull up some no.","start":1739.2949,"end":1746.0149,"sentiment":"neutral","sentiment_score":-0.11751846676426274},{"text":"That's okay.","start":1746.0149,"end":1746.9,"sentiment":"neutral","sentiment_score":-0.09399798326194286}],"sentiment":"neutral","sentiment_score":-0.06476853252388537,"num_words":40,"start":1718.765,"end":1746.9},{"sentences":[{"text":"So having a look here at the moment, it's sort of saying average valuation Around about 20 to 22,000 currently.","start":1746.9,"end":1763.365,"sentiment":"neutral","sentiment_score":-0.019395363843068482},{"text":"Yep.","start":1770.305,"end":1770.805,"sentiment":"neutral","sentiment_score":0.0516631081700325},{"text":"That's okay.","start":1770.9451,"end":1771.745,"sentiment":"neutral","sentiment_score":0.13421117514371872},{"text":"Did you want me to put 30 down?","start":1771.745,"end":1773.105,"sentiment":"neutral","sentiment_score":0.034121820935979486},{"text":"It's whatever value it is to you that's important.","start":1773.105,"end":1775.4451,"sentiment":"neutral","sentiment_score":0.09707406535744667}],"sentiment":"neutral","sentiment_score":0.026970483432523906,"num_words":40,"start":1746.9,"end":1775.4451},{"sentences":[{"text":"No.","start":1785.88,"end":1786.2001,"sentiment":"neutral","sentiment_score":-0.008698249235749245},{"text":"Absolutely.","start":1786.2001,"end":1786.7001,"sentiment":"neutral","sentiment_score":0.028880709782242775},{"text":"I'll note down that as 30.","start":1786.92,"end":1788.2001,"sentiment":"neutral","sentiment_score":0.03020570147782564},{"text":"Not a problem.","start":1788.2001,"end":1789.02,"sentiment":"neutral","sentiment_score":0.0955751563111941},{"text":"And do you know how much you still have on the loan that will be paid off?","start":1789.1749,"end":1792.5549,"sentiment":"neutral","sentiment_score":0.011651190052575925}],"sentiment":"neutral","sentiment_score":0.024507584615743587,"num_words":28,"start":1785.88,"end":1792.5549},{"sentences":[{"text":"No.","start":1795.255,"end":1795.755,"sentiment":"neutral","sentiment_score":-0.05947799235582352},{"text":"That's okay.","start":1795.815,"end":1796.635,"sentiment":"neutral","sentiment_score":0.003391031641513109},{"text":"Not a problem at all.","start":1796.775,"end":1798.075,"sentiment":"neutral","sentiment_score":0.07062992081046104},{"text":"The other thing I had down here was your rent.","start":1799.095,"end":1801.355,"sentiment":"neutral","sentiment_score":-0.05128889977931976},{"text":"You were paying about $680 per week last year.","start":1801.495,"end":1805.05,"sentiment":"neutral","sentiment_score":-0.06217767049868902}],"sentiment":"neutral","sentiment_score":-0.028593865085255216,"num_words":27,"start":1795.255,"end":1805.05},{"sentences":[{"text":"Has your rent gone up or down or altered in any way?","start":1805.05,"end":1807.95,"sentiment":"neutral","sentiment_score":-0.07710330747067928},{"text":"Beautiful.","start":1812.89,"end":1813.39,"sentiment":"positive","sentiment_score":0.5120251178741455},{"text":"Fantastic.","start":1813.53,"end":1814.03,"sentiment":"positive","sentiment_score":0.5711488723754883},{"text":"And I've also got a personal loan down here, and the amount you had owing on that was around about 6,437 last year.","start":1815.705,"end":1825.085,"sentiment":"neutral","sentiment_score":0.10960376554209253},{"text":"Has that reduced a little bit?","start":1825.545,"end":1827.325,"sentiment":"neutral","sentiment_score":0.0009429001559813818}],"sentiment":"neutral","sentiment_score":0.06242972811640695,"num_words":43,"start":1805.05,"end":1827.325},{"sentences":[{"text":"Yeah.","start":1827.945,"end":1828.445,"sentiment":"neutral","sentiment_score":-0.028477409854531288},{"text":"That's that's okay.","start":1831.63,"end":1832.99,"sentiment":"neutral","sentiment_score":0.07815120617548625},{"text":"You're fine.","start":1832.99,"end":1833.8099,"sentiment":"neutral","sentiment_score":0.10786034166812897},{"text":"Oh, beautiful.","start":1842.19,"end":1843.09,"sentiment":"positive","sentiment_score":0.3417288362979889},{"text":"Fantastic.","start":1843.5499,"end":1844.0499,"sentiment":"positive","sentiment_score":0.4831640124320984}],"sentiment":"neutral","sentiment_score":0.17647984189291796,"num_words":9,"start":1827.945,"end":1844.0499},{"sentences":[{"text":"In November.","start":1848.325,"end":1849.065,"sentiment":"neutral","sentiment_score":0.09293067082762718},{"text":"Beautiful.","start":1849.205,"end":1849.705,"sentiment":"positive","sentiment_score":0.39031943678855896},{"text":"I had also contents down here.","start":1850.6449,"end":1852.6449,"sentiment":"neutral","sentiment_score":0.1328405924141407},{"text":"So an estimated value of contents at about 100,000.","start":1852.6449,"end":1856.0049,"sentiment":"neutral","sentiment_score":0.07234952805770768},{"text":"Would you keep your contents valued at about 100 thousand?","start":1856.0049,"end":1859.71,"sentiment":"neutral","sentiment_score":0.06627291124314069}],"sentiment":"neutral","sentiment_score":0.09596782849569406,"num_words":28,"start":1848.325,"end":1859.71},{"sentences":[{"text":"Yep.","start":1859.71,"end":1860.21,"sentiment":"neutral","sentiment_score":0.08166908472776413},{"text":"Beautiful.","start":1860.35,"end":1860.83,"sentiment":"positive","sentiment_score":0.4157820343971253},{"text":"And then I also had noted down here a credit card.","start":1860.83,"end":1863.73,"sentiment":"neutral","sentiment_score":0.11473808124322783},{"text":"We had a limit of 8,000 and owing about 7,000 at the time.","start":1863.7899,"end":1868.69,"sentiment":"neutral","sentiment_score":-0.03178294905676292},{"text":"About the same?","start":1871.15,"end":1871.95,"sentiment":"neutral","sentiment_score":0.04852548986673355}],"sentiment":"neutral","sentiment_score":0.05144717740216132,"num_words":29,"start":1859.71,"end":1871.95},{"sentences":[{"text":"Beautiful.","start":1871.95,"end":1872.45,"sentiment":"positive","sentiment_score":0.463342547416687},{"text":"Thank you for updating that.","start":1872.51,"end":1873.905,"sentiment":"positive","sentiment_score":0.5439725279808044},{"text":"Is there any other assets or liabilities or anything else you would think we should note down here at all?","start":1874.0651,"end":1879.125,"sentiment":"neutral","sentiment_score":0.15266767777502538},{"text":"Nope.","start":1885.265,"end":1885.505,"sentiment":"neutral","sentiment_score":-0.07162797451019287},{"text":"That's okay.","start":1885.505,"end":1886.145,"sentiment":"neutral","sentiment_score":0.05001002177596092}],"sentiment":"neutral","sentiment_score":0.21603278661596365,"num_words":29,"start":1871.95,"end":1886.145},{"sentences":[{"text":"Beautiful.","start":1886.145,"end":1886.625,"sentiment":"neutral","sentiment_score":0.274448961019516},{"text":"Thank you so Bye bye.","start":1886.625,"end":1892.87,"sentiment":"neutral","sentiment_score":0.16833009272813798},{"text":"In joint names.","start":1892.87,"end":1893.75,"sentiment":"neutral","sentiment_score":0.0278547244767348},{"text":"Okay.","start":1893.75,"end":1894.25,"sentiment":"neutral","sentiment_score":0.03173673897981644},{"text":"The orange 50 percentage.","start":1894.47,"end":1895.85,"sentiment":"neutral","sentiment_score":0.029829904437065125}],"sentiment":"neutral","sentiment_score":0.09647999677274909,"num_words":14,"start":1886.145,"end":1895.85},{"sentences":[{"text":"Yep.","start":1897.51,"end":1897.83,"sentiment":"neutral","sentiment_score":0.1096762642264366},{"text":"Beautiful.","start":1897.83,"end":1898.33,"sentiment":"positive","sentiment_score":0.4492548704147339},{"text":"Thank you so much for that.","start":1898.39,"end":1899.59,"sentiment":"positive","sentiment_score":0.608624666929245},{"text":"Really appreciate it.","start":1899.59,"end":1900.89,"sentiment":"positive","sentiment_score":0.6250189145406088},{"text":"Excellent.","start":1901.4651,"end":1901.9651,"sentiment":"positive","sentiment_score":0.5338224172592163}],"sentiment":"positive","sentiment_score":0.5516298580914736,"num_words":12,"start":1897.51,"end":1901.9651},{"sentences":[{"text":"So we've pretty much covered off most things.","start":1902.425,"end":1904.765,"sentiment":"positive","sentiment_score":0.3462347947061062},{"text":"Your super is working quite well.","start":1904.985,"end":1906.8251,"sentiment":"positive","sentiment_score":0.5367890000343323},{"text":"The obviously, the return is a bit lower than expected this year, but there has been some adjustments made to the portfolio.","start":1906.8251,"end":1911.805,"sentiment":"neutral","sentiment_score":0.056052139875563706},{"text":"So we'll just kinda keep monitoring that.","start":1911.9451,"end":1914.2051,"sentiment":"neutral","sentiment_score":0.17531397300107138},{"text":"You're fairly comfortable remaining in that growth kind of environment for another few months.","start":1914.75,"end":1918.99,"sentiment":"neutral","sentiment_score":0.2080721322979246}],"sentiment":"neutral","sentiment_score":0.19936784382974893,"num_words":57,"start":1902.425,"end":1918.99},{"sentences":[{"text":"We'll reassess things in March and also consider additional contributions and further goals there.","start":1918.99,"end":1925.25,"sentiment":"neutral","sentiment_score":0.10252562803881508},{"text":"You've kind of made note to me that you're more realistically wanting to retire at age 67, but happy to keep working longer and probably will work a little bit longer as well.","start":1925.71,"end":1935.065,"sentiment":"neutral","sentiment_score":0.09454473006454381},{"text":"And I'm back last year, we also had it noted that in retirement, you were looking to live off about a thousand dollars combined, so roughly 500 per week from each of your supers.","start":1935.9249,"end":1945.99,"sentiment":"neutral","sentiment_score":0.05562617410631741},{"text":"Does that still sound fairly accurate?","start":1945.99,"end":1947.8501,"sentiment":"neutral","sentiment_score":0.06089906891187032},{"text":"Yep.","start":1949.99,"end":1950.49,"sentiment":"neutral","sentiment_score":0.013993117026984692}],"sentiment":"neutral","sentiment_score":0.07756832198620858,"num_words":88,"start":1918.99,"end":1950.49},{"sentences":[{"text":"No.","start":1954.79,"end":1955.1101,"sentiment":"neutral","sentiment_score":-0.09788073599338531},{"text":"That's okay.","start":1955.1101,"end":1956.235,"sentiment":"neutral","sentiment_score":-0.09014061465859413},{"text":"Yeah.","start":1958.375,"end":1958.855,"sentiment":"neutral","sentiment_score":0.0022825971245765686},{"text":"I mean, you'll be retired.","start":1958.855,"end":1960.135,"sentiment":"neutral","sentiment_score":0.021529698744416237},{"text":"You can live wherever you want.","start":1960.135,"end":1961.675,"sentiment":"neutral","sentiment_score":0.05213644293447336}],"sentiment":"neutral","sentiment_score":0.00963918554286162,"num_words":15,"start":1954.79,"end":1961.675},{"sentences":[{"text":"Going back to South Australia.","start":1966.295,"end":1967.675,"sentiment":"neutral","sentiment_score":0.01982806473970413},{"text":"Perfect.","start":1967.895,"end":1968.395,"sentiment":"neutral","sentiment_score":0.2274409532546997},{"text":"Beautiful.","start":1969.27,"end":1969.77,"sentiment":"neutral","sentiment_score":0.2405034601688385},{"text":"I had a notice of a while ago that one of your medium term goals with the caravan was you were expecting to pay around about 60,000 for that.","start":1970.55,"end":1977.67,"sentiment":"neutral","sentiment_score":0.043969532153729736},{"text":"Does that sound fairly accurate?","start":1977.67,"end":1979.59,"sentiment":"neutral","sentiment_score":0.043860788270831105}],"sentiment":"neutral","sentiment_score":0.05028061246181407,"num_words":41,"start":1966.295,"end":1979.59},{"sentences":[{"text":"Do you think that might cost a bit more when you get to purchasing the caravan?","start":1979.59,"end":1986.855,"sentiment":"neutral","sentiment_score":-0.00711275334469974},{"text":"Yep.","start":1988.755,"end":1989.255,"sentiment":"neutral","sentiment_score":0.02358936332166195},{"text":"Yeah.","start":1994.1951,"end":1994.6951,"sentiment":"neutral","sentiment_score":-0.025991439819335938},{"text":"Okay.","start":2001.13,"end":2001.63,"sentiment":"neutral","sentiment_score":-0.01578301563858986},{"text":"Yep.","start":2004.25,"end":2004.75,"sentiment":"neutral","sentiment_score":0.1555762141942978}],"sentiment":"neutral","sentiment_score":0.001179353427141905,"num_words":20,"start":1979.59,"end":2004.75},{"sentences":[{"text":"Beautiful.","start":2004.89,"end":2005.39,"sentiment":"positive","sentiment_score":0.6123458743095398},{"text":"Lovely.","start":2005.53,"end":2006.03,"sentiment":"positive","sentiment_score":0.6064096689224243},{"text":"I've got down here that with insurance wise, you're not looking at getting any new insurances.","start":2006.25,"end":2010.045,"sentiment":"neutral","sentiment_score":0.005143248243257403},{"text":"You're happy with the life cover you have paid out of pocket or paid personally.","start":2010.045,"end":2013.825,"sentiment":"neutral","sentiment_score":0.29191503922144574},{"text":"Is that sound right?","start":2014.685,"end":2015.725,"sentiment":"neutral","sentiment_score":0.12095307558774948}],"sentiment":"neutral","sentiment_score":0.16658338934585853,"num_words":37,"start":2004.89,"end":2015.725},{"sentences":[{"text":"Is that anything else there that you think I've missed or wanted to kinda touch on?","start":2015.725,"end":2019.965,"sentiment":"neutral","sentiment_score":0.033251417451538146},{"text":"Or no.","start":2019.965,"end":2022.93,"sentiment":"neutral","sentiment_score":-0.09094211831688881},{"text":"Excellent.","start":2025.4901,"end":2025.9901,"sentiment":"neutral","sentiment_score":0.28553617000579834},{"text":"Weird.","start":2026.29,"end":2026.79,"sentiment":"neutral","sentiment_score":0.07353847473859787},{"text":"Yeah.","start":2030.6101,"end":2031.1101,"sentiment":"neutral","sentiment_score":0.13108262419700625}],"sentiment":"neutral","sentiment_score":0.04001408150153501,"num_words":21,"start":2015.725,"end":2031.1101},{"sentences":[{"text":"Absolutely.","start":2031.17,"end":2031.67,"sentiment":"neutral","sentiment_score":0.1792300045490265},{"text":"And if you wanted to, I could make it a joint conversation with yourself and John so we can kind of look at doing things jointly.","start":2031.7301,"end":2037.51,"sentiment":"neutral","sentiment_score":0.14963068813085556},{"text":"That way, we kind of get an idea of where you're heading together.","start":2038.3551,"end":2041.415,"sentiment":"neutral","sentiment_score":0.1386840991102732},{"text":"It's a personal opinion.","start":2041.875,"end":2042.995,"sentiment":"neutral","sentiment_score":0.009526747977361083},{"text":"You don't have to do things jointly, but that's always an option if the two of you would like.","start":2042.995,"end":2046.755,"sentiment":"neutral","sentiment_score":0.08580438322142551}],"sentiment":"neutral","sentiment_score":0.11969700726192622,"num_words":63,"start":2031.17,"end":2046.755},{"sentences":[{"text":"I'm more than happy to set that up for you.","start":2046.755,"end":2048.935,"sentiment":"neutral","sentiment_score":0.09630799032747746},{"text":"Yeah.","start":2049.955,"end":2050.455,"sentiment":"neutral","sentiment_score":0.10239139199256896},{"text":"Beautiful.","start":2051.795,"end":2052.295,"sentiment":"neutral","sentiment_score":0.12094217538833618},{"text":"No.","start":2054.74,"end":2055.0598,"sentiment":"neutral","sentiment_score":-0.07514666765928268},{"text":"That's okay.","start":2055.0598,"end":2055.8599,"sentiment":"neutral","sentiment_score":-0.01138379331678152}],"sentiment":"neutral","sentiment_score":0.07256661442418894,"num_words":15,"start":2046.755,"end":2055.8599},{"sentences":[{"text":"That's completely understandable.","start":2055.8599,"end":2057.3198,"sentiment":"neutral","sentiment_score":0.080750639239947},{"text":"The only other documents we have in there for you are the financial services guide, which outlines everything about who we are, what we do, how we do it.","start":2058.26,"end":2065.94,"sentiment":"neutral","sentiment_score":0.00963527503712424},{"text":"It also notes our fee structure.","start":2065.94,"end":2067.5598,"sentiment":"neutral","sentiment_score":0.02179603495945533},{"text":"So, obviously, you're an ongoing service client, so it does mean you pay a fee for our services, trust looking after your super, making changes, and working towards your goals, and providing additional advice there.","start":2067.6199,"end":2078.6648,"sentiment":"neutral","sentiment_score":0.04855698735586234},{"text":"The ongoing service fee has been 1.65 percent ongoing for the last few years.","start":2079.045,"end":2084.57,"sentiment":"neutral","sentiment_score":0.003330920689872333}],"sentiment":"neutral","sentiment_score":0.02756986839846633,"num_words":87,"start":2055.8599,"end":2084.57},{"sentences":[{"text":"Currently not changing at all, but moving forward, we're gonna have more of a tiered structure.","start":2084.87,"end":2089.11,"sentiment":"neutral","sentiment_score":0.008672606898471713},{"text":"So when your super balance hits over 200,000, you'll essentially move into the next tier, and any and the fee will drop to 1.375, essentially.","start":2089.11,"end":2099.205,"sentiment":"neutral","sentiment_score":0.03069468991830945},{"text":"So moving forward to be more of a tiered structure, the idea is we wanna make sure your balance is increasing and meeting your goals, but also making sure that we're able to be paid for our services.","start":2099.265,"end":2109.525,"sentiment":"neutral","sentiment_score":0.1350444513127992},{"text":"The cost of advice and everything around business has gone up.","start":2109.585,"end":2112.78,"sentiment":"neutral","sentiment_score":-0.13666008006442676},{"text":"This is the cost of living has gone up for everybody, so we need to make sure that our ongoing service fee is more in line with that.","start":2112.86,"end":2119.52,"sentiment":"neutral","sentiment_score":-0.048662827616291385}],"sentiment":"neutral","sentiment_score":0.02688133944283729,"num_words":118,"start":2084.87,"end":2119.52},{"sentences":[{"text":"And our ongoing service fee, the documents have always outlined an approximate fee.","start":2120.46,"end":2125.92,"sentiment":"neutral","sentiment_score":0.013536923994811682},{"text":"Moving forward, our fee will be much more stipulated.","start":2126.365,"end":2129.185,"sentiment":"neutral","sentiment_score":0.06558706073297395},{"text":"So, essentially, we'll work out how much you will pay for that year.","start":2129.5652,"end":2133.245,"sentiment":"neutral","sentiment_score":0.08354606651342832},{"text":"It'll be set as a set a fixed dollar figure amount, and you won't pay more than what we state in the ongoing service agreement.","start":2133.245,"end":2139.5852,"sentiment":"neutral","sentiment_score":0.0661423747241497},{"text":"So it'll also give you a lot more structure around the expectation there.","start":2139.645,"end":2143.83,"sentiment":"neutral","sentiment_score":0.0809501177416398}],"sentiment":"neutral","sentiment_score":0.06244210030067049,"num_words":73,"start":2120.46,"end":2143.83},{"sentences":[{"text":"Okay?","start":2143.83,"end":2144.33,"sentiment":"neutral","sentiment_score":0.07461795210838318},{"text":"Excellent.","start":2145.91,"end":2146.41,"sentiment":"positive","sentiment_score":0.4690802991390228},{"text":"So the last document is the ongoing service agreement there.","start":2146.55,"end":2149.51,"sentiment":"neutral","sentiment_score":0.15280074030160903},{"text":"Because your balance is under that 200,000 still, it's still the 1.65%.","start":2149.51,"end":2154.07,"sentiment":"neutral","sentiment_score":0.1255706548690796},{"text":"So no additional changes there.","start":2154.07,"end":2156.165,"sentiment":"neutral","sentiment_score":0.016929765045642853}],"sentiment":"neutral","sentiment_score":0.12631732199726434,"num_words":29,"start":2143.83,"end":2156.165},{"sentences":[{"text":"It's just noted as a fixed dollar.","start":2156.165,"end":2158.0051,"sentiment":"neutral","sentiment_score":0.044028004365307946},{"text":"So we know for this year, the total fee payable to us will be $2,342.22.","start":2158.0051,"end":2164.905,"sentiment":"neutral","sentiment_score":0.05264282549420993},{"text":"That is the total for the full year, and it will be deducted in smaller monthly increments out of your super.","start":2165.205,"end":2169.99,"sentiment":"neutral","sentiment_score":0.0824283996508235},{"text":"That way, you sort of understand.","start":2169.99,"end":2171.45,"sentiment":"neutral","sentiment_score":0.0715281708786885},{"text":"I just wanna make sure that, you know, moving forward, I can do the catch up with you in March so we can make sure we're providing that advice and moving forward and helping you along.","start":2171.83,"end":2181.21,"sentiment":"neutral","sentiment_score":0.26465575873023933}],"sentiment":"neutral","sentiment_score":0.15041895464939228,"num_words":85,"start":2156.165,"end":2181.21},{"sentences":[{"text":"Because you are getting closer to retirement, it's really important to me that you're able to reach your goals and be able to access your super to do the things you want.","start":2181.59,"end":2190.395,"sentiment":"neutral","sentiment_score":0.27774446504190564},{"text":"The only goal that I am sort of concerned might be very hard to achieve is the utilizing your super to purchase a home.","start":2190.535,"end":2197.115,"sentiment":"neutral","sentiment_score":-0.21695507348825535},{"text":"That could decrease your super very heavily, but I'd like to reassess that goal jointly with you both if you're comfortable to do that.","start":2197.44,"end":2204.32,"sentiment":"neutral","sentiment_score":-0.1035853613478442},{"text":"Okay?","start":2204.32,"end":2204.82,"sentiment":"neutral","sentiment_score":0.01650938391685486},{"text":"Yep.","start":2205.8398,"end":2206.3398,"sentiment":"neutral","sentiment_score":0.15362197160720825}],"sentiment":"neutral","sentiment_score":0.016646143912178713,"num_words":82,"start":2181.59,"end":2206.3398},{"sentences":[{"text":"Beautiful.","start":2206.72,"end":2207.22,"sentiment":"positive","sentiment_score":0.5137569904327393},{"text":"I've got everything sort of sorted here.","start":2208.48,"end":2210.415,"sentiment":"neutral","sentiment_score":0.2756929653031485},{"text":"So once you've kinda gone through those documents, if you're comfortable to, we'll ask you to sign and return those back there for us just so we can keep providing our services and looking after everything.","start":2210.415,"end":2218.835,"sentiment":"neutral","sentiment_score":0.2982403433157338},{"text":"Did you have any other questions or anything I haven't touched on that might have been important to you there, Rosalie?","start":2219.455,"end":2224.7551,"sentiment":"neutral","sentiment_score":0.10513200965665635},{"text":"No.","start":2226.92,"end":2227.42,"sentiment":"neutral","sentiment_score":-0.26881200075149536}],"sentiment":"neutral","sentiment_score":0.2290790955902952,"num_words":66,"start":2206.72,"end":2227.42},{"sentences":[{"text":"No.","start":2227.7998,"end":2228.1199,"sentiment":"neutral","sentiment_score":-0.12959352135658264},{"text":"That's okay.","start":2228.1199,"end":2229.02,"sentiment":"neutral","sentiment_score":0.04268024582415819},{"text":"Yeah.","start":2230.92,"end":2231.42,"sentiment":"neutral","sentiment_score":0.048861753195524216},{"text":"That's correct.","start":2234.3599,"end":2235.18,"sentiment":"neutral","sentiment_score":0.18744640052318573},{"text":"Yeah.","start":2235.3198,"end":2235.8198,"sentiment":"neutral","sentiment_score":0.2431160807609558}],"sentiment":"neutral","sentiment_score":0.08894822932779789,"num_words":7,"start":2227.7998,"end":2235.8198},{"sentences":[{"text":"And it should just take you through so you can click on the button to press the sign, and it should prepopulate your signature for you to make it easier.","start":2241.175,"end":2248.475,"sentiment":"neutral","sentiment_score":0.3041150465607643},{"text":"What's it doing for you?","start":2255.47,"end":2257.01,"sentiment":"neutral","sentiment_score":0.1042146235704422},{"text":"Yeah.","start":2270.2852,"end":2270.605,"sentiment":"neutral","sentiment_score":0.09132255613803864},{"text":"You do.","start":2270.605,"end":2271.0051,"sentiment":"neutral","sentiment_score":0.12422497943043709},{"text":"So if you click on the button that says name or signature, it should allow you to prepopulate it.","start":2271.0051,"end":2276.445,"sentiment":"neutral","sentiment_score":0.1837884070057618}],"sentiment":"neutral","sentiment_score":0.23642590811900926,"num_words":57,"start":2241.175,"end":2276.445},{"sentences":[{"text":"It should come up with a little sign.","start":2276.445,"end":2285.01,"sentiment":"neutral","sentiment_score":0.10438055987469852},{"text":"Yep.","start":2286.8298,"end":2287.3298,"sentiment":"neutral","sentiment_score":0.02939961664378643},{"text":"If you click on it is it doing anything if you click on it?","start":2297.885,"end":2301.24,"sentiment":"neutral","sentiment_score":-0.05766579881310463},{"text":"I don't think so.","start":2309.96,"end":2311.0,"sentiment":"neutral","sentiment_score":-0.10390150547027588},{"text":"I'm so sorry.","start":2311.0,"end":2311.9,"sentiment":"neutral","sentiment_score":-0.18176919221878052}],"sentiment":"neutral","sentiment_score":-0.030126356209317844,"num_words":30,"start":2276.445,"end":2311.9},{"sentences":[{"text":"Okay.","start":2315.24,"end":2315.74,"sentiment":"neutral","sentiment_score":0.13444684445858002},{"text":"Perfect.","start":2315.8,"end":2316.3,"sentiment":"neutral","sentiment_score":0.28341734409332275},{"text":"It's the September 1.","start":2321.1948,"end":2322.575,"sentiment":"neutral","sentiment_score":0.007064523175358772},{"text":"Yeah.","start":2322.7148,"end":2322.9548,"sentiment":"neutral","sentiment_score":0.007049974054098129},{"text":"It's crazy.","start":2322.9548,"end":2323.6748,"sentiment":"neutral","sentiment_score":-0.05494382604956627}],"sentiment":"neutral","sentiment_score":0.0381427336898115,"num_words":9,"start":2315.24,"end":2323.6748},{"sentences":[{"text":"The year is flying by.","start":2323.6748,"end":2325.2148,"sentiment":"neutral","sentiment_score":-0.0339898444712162},{"text":"That's okay.","start":2348.825,"end":2349.805,"sentiment":"neutral","sentiment_score":0.32056868076324463},{"text":"And then if you press next or finish at the very bottom, it should allow you to come back through.","start":2349.945,"end":2356.56,"sentiment":"neutral","sentiment_score":0.22437748908996583},{"text":"Oh, yeah.","start":2372.875,"end":2373.2751,"sentiment":"neutral","sentiment_score":0.07968397438526154},{"text":"That's just letting you know that we do hold your tax phone number.","start":2373.2751,"end":2376.155,"sentiment":"neutral","sentiment_score":0.11717962101101875}],"sentiment":"neutral","sentiment_score":0.15812954625913075,"num_words":42,"start":2323.6748,"end":2376.155},{"sentences":[{"text":"So just basically the privacy around doing so and just making sure that you're comfortable with us doing that still.","start":2376.155,"end":2389.62,"sentiment":"neutral","sentiment_score":0.03335507502779365},{"text":"No.","start":2389.92,"end":2390.16,"sentiment":"neutral","sentiment_score":-0.1255723536014557},{"text":"That's that's okay.","start":2390.16,"end":2391.28,"sentiment":"neutral","sentiment_score":-0.010835258911053339},{"text":"You're fine.","start":2391.28,"end":2392.18,"sentiment":"neutral","sentiment_score":0.07266896963119507},{"text":"Perfect.","start":2400.4148,"end":2400.9148,"sentiment":"positive","sentiment_score":0.4643676280975342}],"sentiment":"neutral","sentiment_score":0.041434405095599314,"num_words":27,"start":2376.155,"end":2400.9148},{"sentences":[{"text":"And then is there a button that says next or finished?","start":2402.815,"end":2405.2148,"sentiment":"neutral","sentiment_score":0.07606688582084396},{"text":"Or Yep.","start":2405.2148,"end":2409.1702,"sentiment":"neutral","sentiment_score":0.07251673191785812},{"text":"Oh, excellent.","start":2409.95,"end":2410.85,"sentiment":"positive","sentiment_score":0.42979979515075684},{"text":"Yeah.","start":2413.71,"end":2414.11,"sentiment":"neutral","sentiment_score":0.1411769986152649},{"text":"That's that's okay.","start":2414.11,"end":2415.33,"sentiment":"neutral","sentiment_score":0.08956144005060196}],"sentiment":"neutral","sentiment_score":0.11848579562808338,"num_words":19,"start":2402.815,"end":2415.33},{"sentences":[{"text":"My systems have been a little bit slow today too.","start":2415.71,"end":2418.19,"sentiment":"neutral","sentiment_score":-0.3105192184448242},{"text":"I think it's the September 1 blues.","start":2418.19,"end":2420.7449,"sentiment":"neutral","sentiment_score":-0.2131659835577011},{"text":"The computers are all aware of it.","start":2420.7449,"end":2422.685,"sentiment":"neutral","sentiment_score":-0.18150694455419267},{"text":"Here we go.","start":2425.625,"end":2426.425,"sentiment":"neutral","sentiment_score":-0.004973443225026131},{"text":"Are you getting some time off over Christmas in the next few months, or do you have to work all the way through with your job?","start":2426.425,"end":2432.04,"sentiment":"neutral","sentiment_score":-0.04416133907551949}],"sentiment":"neutral","sentiment_score":-0.1326607137145299,"num_words":53,"start":2415.71,"end":2432.04},{"sentences":[{"text":"Yeah.","start":2445.72,"end":2446.22,"sentiment":"neutral","sentiment_score":0.018890313804149628},{"text":"Okay.","start":2446.44,"end":2446.905,"sentiment":"neutral","sentiment_score":0.07550153881311417},{"text":"Beautiful.","start":2447.305,"end":2447.805,"sentiment":"neutral","sentiment_score":0.2586647868156433},{"text":"And have you got a pay rise at all?","start":2447.945,"end":2449.805,"sentiment":"neutral","sentiment_score":0.051450264329711594},{"text":"Had you down about 90,000 last year.","start":2450.2651,"end":2452.425,"sentiment":"neutral","sentiment_score":-0.013413393603903907}],"sentiment":"neutral","sentiment_score":0.03801132964068338,"num_words":19,"start":2445.72,"end":2452.425},{"sentences":[{"text":"Have you managed to get a pay rise in San at all?","start":2452.425,"end":2455.0051,"sentiment":"neutral","sentiment_score":0.00020474063542981943},{"text":"Beautiful.","start":2457.705,"end":2458.205,"sentiment":"positive","sentiment_score":0.356563925743103},{"text":"Yep.","start":2468.85,"end":2469.25,"sentiment":"neutral","sentiment_score":0.038069188594818115},{"text":"And you do quite a bit of overtime penalties.","start":2469.25,"end":2471.6702,"sentiment":"neutral","sentiment_score":-0.00027189507252640174},{"text":"Yeah.","start":2472.6902,"end":2473.1902,"sentiment":"neutral","sentiment_score":0.003921565134078264}],"sentiment":"neutral","sentiment_score":0.016606854643517483,"num_words":24,"start":2452.425,"end":2473.1902},{"sentences":[{"text":"Yes.","start":2475.7302,"end":2476.215,"sentiment":"neutral","sentiment_score":0.01407648529857397},{"text":"Yeah.","start":2477.895,"end":2478.215,"sentiment":"neutral","sentiment_score":0.06382227689027786},{"text":"Excellent.","start":2478.215,"end":2478.715,"sentiment":"neutral","sentiment_score":0.18233215808868408},{"text":"And the last sorry.","start":2480.135,"end":2481.975,"sentiment":"neutral","sentiment_score":-0.048284422140568495},{"text":"You're right.","start":2481.975,"end":2482.715,"sentiment":"neutral","sentiment_score":-0.08423291519284248}],"sentiment":"neutral","sentiment_score":-0.011263622074491449,"num_words":9,"start":2475.7302,"end":2482.715},{"sentences":[{"text":"Yeah.","start":2494.0198,"end":2494.3398,"sentiment":"neutral","sentiment_score":-0.05636297166347504},{"text":"No.","start":2494.3398,"end":2494.5798,"sentiment":"neutral","sentiment_score":-0.07355882227420807},{"text":"That's all good.","start":2494.5798,"end":2495.72,"sentiment":"neutral","sentiment_score":0.00027309171855449677},{"text":"And that email has just come through to me there as well, Rosalie.","start":2500.42,"end":2503.24,"sentiment":"neutral","sentiment_score":0.05060369378099075},{"text":"Thank you so much for that.","start":2503.2998,"end":2504.715,"sentiment":"neutral","sentiment_score":0.2877500702937444}],"sentiment":"neutral","sentiment_score":0.0939685800888886,"num_words":24,"start":2494.0198,"end":2504.715},{"sentences":[{"text":"Yeah.","start":2515.435,"end":2515.935,"sentiment":"neutral","sentiment_score":0.02432815544307232},{"text":"Oh, fantastic.","start":2524.17,"end":2524.99,"sentiment":"positive","sentiment_score":0.42851412296295166},{"text":"That's excellent.","start":2525.29,"end":2526.01,"sentiment":"neutral","sentiment_score":0.30899183452129364},{"text":"And then lastly, when we caught up, you were hoping the pay rises on the the forefront, but hadn't really had any confirmation yet.","start":2526.01,"end":2532.315,"sentiment":"neutral","sentiment_score":0.013527822447940707},{"text":"That's really good.","start":2532.315,"end":2534.015,"sentiment":"neutral","sentiment_score":0.31333495179812115}],"sentiment":"neutral","sentiment_score":0.08637539576739073,"num_words":32,"start":2515.435,"end":2534.015},{"sentences":[{"text":"Mhmm.","start":2544.395,"end":2544.895,"sentiment":"neutral","sentiment_score":0.053409501910209656},{"text":"Yep.","start":2545.23,"end":2545.39,"sentiment":"neutral","sentiment_score":0.1991209238767624},{"text":"Beautiful.","start":2545.39,"end":2545.89,"sentiment":"positive","sentiment_score":0.5388418436050415},{"text":"No.","start":2560.27,"end":2560.59,"sentiment":"neutral","sentiment_score":0.1447327435016632},{"text":"Well, that is fantastic.","start":2560.59,"end":2562.105,"sentiment":"positive","sentiment_score":0.5628826022148132}],"sentiment":"positive","sentiment_score":0.3984544277191162,"num_words":8,"start":2544.395,"end":2562.105},{"sentences":[{"text":"Well, look.","start":2562.645,"end":2563.0452,"sentiment":"positive","sentiment_score":0.4221638888120651},{"text":"Thank you so much.","start":2563.0452,"end":2563.845,"sentiment":"positive","sentiment_score":0.6792060136795044},{"text":"So that the email has come through.","start":2563.845,"end":2565.205,"sentiment":"neutral","sentiment_score":0.24050188490322658},{"text":"That's all signed.","start":2565.205,"end":2566.105,"sentiment":"neutral","sentiment_score":0.23276119927565256},{"text":"What we'll do is I'll hold everything for the moment as it is.","start":2566.165,"end":2569.125,"sentiment":"neutral","sentiment_score":0.15495418929136717}],"sentiment":"neutral","sentiment_score":0.2743914856992919,"num_words":29,"start":2562.645,"end":2569.125},{"sentences":[{"text":"I'll just keep monitoring things moving forward, and then I'll have a little task.","start":2569.125,"end":2573.0452,"sentiment":"neutral","sentiment_score":0.2189663786973272},{"text":"My team will touch base probably end of February to book you in in around about March, and we'll probably see if John wants to be included in that.","start":2573.0452,"end":2580.78,"sentiment":"neutral","sentiment_score":0.16934085740097637},{"text":"And we can maybe do a a bit of a conversation around how we boost sleep and what we do goals wise for the both of you.","start":2580.78,"end":2587.0999,"sentiment":"neutral","sentiment_score":0.1957377901783696},{"text":"How does that sound?","start":2587.0999,"end":2588.16,"sentiment":"neutral","sentiment_score":0.182643823325634},{"text":"Beautiful.","start":2590.3,"end":2590.8,"sentiment":"neutral","sentiment_score":0.10383021086454391}],"sentiment":"neutral","sentiment_score":0.18794320007165274,"num_words":75,"start":2569.125,"end":2590.8},{"sentences":[{"text":"Not yet.","start":2595.205,"end":2596.0251,"sentiment":"neutral","sentiment_score":-0.07057622447609901},{"text":"I will double check when for you.","start":2596.645,"end":2599.3052,"sentiment":"neutral","sentiment_score":-0.044498038079057424},{"text":"Okay.","start":2603.205,"end":2603.705,"sentiment":"neutral","sentiment_score":0.007337304763495922},{"text":"What I'll do is I'll go back and double check.","start":2607.14,"end":2609.72,"sentiment":"neutral","sentiment_score":0.0015427451580762863},{"text":"Is that is he not feeling well or just sleeping?","start":2610.5,"end":2616.8398,"sentiment":"neutral","sentiment_score":-0.02848004512488842}],"sentiment":"neutral","sentiment_score":-0.023822480347007513,"num_words":30,"start":2595.205,"end":2616.8398},{"sentences":[{"text":"Oh, okay.","start":2618.98,"end":2619.7798,"sentiment":"neutral","sentiment_score":0.029268289916217327},{"text":"Yeah.","start":2619.7798,"end":2620.0999,"sentiment":"neutral","sentiment_score":0.0769825279712677},{"text":"That's absolutely fine.","start":2620.0999,"end":2621.505,"sentiment":"neutral","sentiment_score":0.19187957048416138},{"text":"It's not coming up for me.","start":2622.765,"end":2624.685,"sentiment":"neutral","sentiment_score":-0.18922827392816544},{"text":"I will go back and double check, and I might just get the team to touch base anyway with him.","start":2624.685,"end":2628.925,"sentiment":"neutral","sentiment_score":0.0894451305270195}],"sentiment":"neutral","sentiment_score":0.042646587069611996,"num_words":32,"start":2618.98,"end":2628.925},{"sentences":[{"text":"We'll book in his annual review in the next few weeks.","start":2628.925,"end":2631.2449,"sentiment":"neutral","sentiment_score":0.18617226318879562},{"text":"That way, we can kinda get everything on track and kind of align everything for the two of you a little bit better.","start":2631.2449,"end":2636.8801,"sentiment":"neutral","sentiment_score":0.2836183795462484},{"text":"How does that sound?","start":2636.8801,"end":2637.86,"sentiment":"neutral","sentiment_score":0.17232440784573555},{"text":"Yeah.","start":2640.4,"end":2640.8801,"sentiment":"neutral","sentiment_score":0.2868196964263916},{"text":"Beautiful.","start":2640.8801,"end":2641.3801,"sentiment":"positive","sentiment_score":0.5177922248840332}],"sentiment":"neutral","sentiment_score":0.2516256794333458,"num_words":40,"start":2628.925,"end":2641.3801},{"sentences":[{"text":"That's okay.","start":2648.2551,"end":2648.895,"sentiment":"neutral","sentiment_score":0.10142096877098083},{"text":"We'll send text messages and emails as well.","start":2648.895,"end":2651.2952,"sentiment":"neutral","sentiment_score":0.11200267728418112},{"text":"No need to worry.","start":2651.2952,"end":2652.095,"sentiment":"neutral","sentiment_score":-0.004609684459865093},{"text":"We'll make sure we get a hold of him.","start":2652.095,"end":2653.695,"sentiment":"neutral","sentiment_score":0.03830863121483061},{"text":"But, honestly, thank you that's okay.","start":2653.695,"end":2658.435,"sentiment":"neutral","sentiment_score":0.15344601000348726}],"sentiment":"neutral","sentiment_score":0.08089235720449481,"num_words":29,"start":2648.2551,"end":2658.435},{"sentences":[{"text":"Well, thank you so much for your time today, Rosalie.","start":2658.815,"end":2661.55,"sentiment":"positive","sentiment_score":0.7269971489906311},{"text":"I'll let you go to enjoy your day, and I'll touch base with you in about March.","start":2661.55,"end":2665.0698,"sentiment":"positive","sentiment_score":0.6083484081661},{"text":"And we'll see how things are going then and update the advice to the both of you.","start":2665.0698,"end":2668.8499,"sentiment":"positive","sentiment_score":0.42688059105592613},{"text":"Okay.","start":2668.99,"end":2669.49,"sentiment":"neutral","sentiment_score":0.20848803222179413},{"text":"My pleasure.","start":2671.8699,"end":2672.5898,"sentiment":"positive","sentiment_score":0.7945340275764465}],"sentiment":"positive","sentiment_score":0.567370650299052,"num_words":47,"start":2658.815,"end":2672.5898},{"sentences":[{"text":"You enjoy your day.","start":2672.5898,"end":2673.81,"sentiment":"positive","sentiment_score":0.7586178630590439},{"text":"Oh, wow.","start":2677.7551,"end":2678.655,"sentiment":"positive","sentiment_score":0.5346010327339172},{"text":"Well, you enjoy your afternoon.","start":2681.435,"end":2682.975,"sentiment":"positive","sentiment_score":0.6811483263969421},{"text":"Don't work too hard, and I hope you have a lovely weekend ahead.","start":2683.035,"end":2686.095,"sentiment":"positive","sentiment_score":0.5937379392293783},{"text":"My pleasure.","start":2688.175,"end":2688.895,"sentiment":"positive","sentiment_score":0.4855166971683502}],"sentiment":"positive","sentiment_score":0.6230400674618207,"num_words":26,"start":2672.5898,"end":2688.895},{"sentences":[{"text":"Talk thank you, Lar thanks, Leslie.","start":2688.895,"end":2692.015,"sentiment":"positive","sentiment_score":0.6023314297199249},{"text":"See you later.","start":2692.015,"end":2692.835,"sentiment":"positive","sentiment_score":0.5400360623995463},{"text":"Bye.","start":2692.895,"end":2693.395,"sentiment":"neutral","sentiment_score":0.3116636276245117}],"sentiment":"positive","sentiment_score":0.55457603931427,"num_words":10,"start":2688.895,"end":2693.395}]}}]},{"alternatives":[{"transcript":"Hello? I'm good. Thanks. How are you? Yes. Yeah. Yes. Yep. Rosalie Dawn Patterson, July 10 1964. 20 Richards Crescent Rosebery. Thank you. You shush. No. No. No. I was working. So Yeah. Just let me have a look. I'll just put you on speaker for a minute. Shipping. Hang on a second. It's really quick. Alright. Just going through. I've got it here. It's going through. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Not really. In March, it said. I haven't looked up. We've gone through here, but no. Yep. Yes. Yeah. Yep. Yeah. I've just gotta make my screen a bit bigger. That's all. Yep. Mhmm. Yes. Yep. Yep. Yep. Yep. Yeah. Be around then. Yeah. Well, we'll because we bought a new car last year, so it's got another well, another six years on it. So before we that. Whatever. Yep. We are going to try, but I've got my car's paid off next year. I've got a personal loan, and John's got a personal loan. So just over 100,000. Oh, it's lovely. It's lovely to do that. Yeah. Yeah. Yeah. Because we still wanna buy a caravan, so we wanna use it to pull a caravan. But that won't be that won't be for a couple of years. Oh, stop it. I've got no idea. Haven't looked at it recently. Yeah. Yeah. Well, we wanna on a day for most of it, but, yeah, we might need some out of our super, or we might take another loan. No. Because I think you've gone up quite a lot in the last few years. Yeah. Not we don't wanna go hugely off roading. We've got yeah. Just mainly mainly between caravan parks. Yeah. We're still thinking about doing that. Yeah. Yes. I am going to look into that, but I'll have to it'll have to be after my car's paid off. No. This car my flight, some some yeah. Sometime next year after my car's paid off and my personal loan, which paid off November this year. And, yeah, I need to pay a chunk off my credit card too. Yes. Yes. But I can't I I can't afford to do it until next year. Yeah. That would be good. John's already making John's making extra payments on his. But when his business is closed down properly, which hopefully will be and the issue beginning and the because he's not operating. We've got we've got money that we have to pay into my we'll be paying into my super account that the business owes me. Yeah. I think it's the yeah. Yeah. I think it was about 20,000 or something that gotta pay me something like that. Between 10 and 20,000. I've gotta go in. No. Because we're dealing with at the moment. They've got to reinstate a ABN number. And and then they've got to release the funds that we've got 60,000 in an account, but they've got to release it Yeah. Yeah. Yep. That sounds good. Yes. Yes. Yeah. Or at least nearly nearly paid off. I'm I'll probably end up working a bit longer. Yes. Yes. I'm probably probably not going to retire before '68. You know? I probably prefer the high at the moment. Yeah. Yep. Yep. I'll probably give you a call. Yep. I'm aware that the market does dip and rise. Yeah. Yeah. So no. I'm I'm not not worried about it. Pretty much optimistic. The property is not all that safe. Yeah. Yeah. I have invested in shares before, but but we have I didn't take out a loan. That was just money that well, actually, it was my previous husband and I, we had oh, what was it? It was the the mortgage where you paid all your money into the the mortgage and then you paid off you had spent everything on a credit card, and you paid off the credit card at the end of the month. So we actually paid it's a home loan. So we paid our we actually paid our home loan down quite a lot, and we used the equity in the home loan to to buy shares. Yeah. I'm quite happy to do it again. However, I don't know that John is quite happy. Yeah. But we haven't got a home loan anyway at the moment. So Well, we want to buy a house to live in, but we might buy it earlier so that we rent it out for a while before we can live in it. Yeah. Yes. No. I'm quite I'm quite happy to stay as it is. Yep. That sounds good. We have we have some life insurance. Private life insurance. Yeah. It's good. Yeah. We pay for that. Yeah. It just changed it. We changed to golden. I'm covered for more than Johnny. I have to work this summer. Well, that's because he smokes. His his payment his payment is still fine. That's fine. Yeah. They might. But we can we we can't stop in the starting place. What is this? Let's 150,000 is mine. Golden. Golden Wealth Insurance. Yeah. I mean, if they have to ring it up. When we were yeah. We just transferring in porting out here. Just for now, I'm happy to keep it, but might just bust it again next year. We've only it's it's only a couple of months since we changed it. So We are discussing doing a will, and we keep we keep saying we've got to do it, but we haven't got around to it. Yeah. We did have beneficiary paperwork sent out to us, but we haven't filled it up. And I'm not even sure where it is at the moment. Yes. This is just right. Yes. Yeah. That would be correct. Yeah. John. Yep. 02/16/1967. Yep. Is it is it noted on there that we're married now? Yes. 2024. So it's just over two and a half years roundabout. Yes. Yes. That was January. January 2024. Yes. No. I haven't changed it. Too complicated at work to change it because I probably change all my passwords and everything. Yes. Yeah. The binding non matching. Yes. Yes. Yes. Yes. Yes. Yes. Yes. No. That's February next year. Oh god. I've got no ID. Not I don't know. I haven't really looked at it because I'm not planning on selling it. No. We I I know I paid 48,000 for it, but I can't I don't know what it's worth now. Yeah. I was we're getting maybe 30, but, yeah, $20.22. Yeah. Because that one, we tend to get more customers. No. I don't. No. It hasn't changed. We signed a new lease at the same length. So The personal line? I'm not no. It's under 1,000. Just let me get in here, and I'll have a look. What does it say here? 995. Yeah. That's the one that's due. It's been paid off shortly. Yep. Yep. Yep. Yeah. That's still that's fine. No. Not for me. Well, I've half of the half of the Everest is the Everest is in joint name. So yeah. Yeah. Yep. Yes. Yep. Because we won't be living in Darwin. Darwin, we couldn't do that. Because we can't live up here. Oh, no. We're going back to South Australia. Yep. Right now, we can get a decent secondhand one for about 60,000. New ones, we had a look at them last week. We went into Jayco and had a look. Anything from probably 80 to 100 and over 100,000, which we're not looking at. So, yeah, about about 60 at the moment. Yeah. Yeah. No. That that was pretty much with we might talk about our life insurance when when we talked to you in March. But yep. Yeah. Yeah. We're we're quite happy we're quite happy to do it, didn't we? But right now, I can't tell you when we're off together. So yes. Yep. Okay. Yep. Okay. Yep. Yep. Yep. Yep. Yes. Yep. Yeah. Yep. No. I don't think so. So if yeah. I click the click to start thing on the bottom here. Is that what I'm doing? I didn't do that. It's just brought up member's full name signature and date. It hasn't brought up her. It says the next. I can't, but I've gotta fill this out before I click next, don't I? Oh, here we go. Time to leave. That'll do. Yep. It's not populating my name. Oh, maybe it had. I did well, it's got an extra r in it. Can I change that? Yeah. I'm sorry. Right. So now now it says the right thing. Date. What is the date? It's the first, isn't it? I want September 2026. Alright. I think that should be things that were in there. What's this phone check phone number? Is that coding? Sorry. Bringing it up. I can't read it. Date signed. Yep. That's done that. It's validate. I just hit that. This is loading. Yep. This is I haven't got any leave. I've got leave in November. I've just changed it. So I only got I've got well, it works out to be a block a block off, which is two weeks. Yeah. We got a pay rise. My salary is 70 I think it went up to 79 something. Is that that that's about yeah. That's about 10 or two. Yeah. I think I earned over a $100. Financial you I haven't Sorry. Angus is barking. I don't know what he's barking at. Someone probably moved some streets away. Where's my where's my tech return? So my taxable income according to my tax return, which I haven't got the official one back from the government. Taxable income last year was 106,000. We got yeah. We got a pay rise last year and a a pay rise for the next three years was what got signed off on. So we just had our second one. We just had the second one. Just took it up to 79 plus. Plus penalties. I haven't seen what the penalties went up by yet. That's next pay sheet. Yep. That sounds good. Is John due for his twelve monthly review or not? Because he was asking, but I have a feeling he did it earlier on. He's in bed at the moment, so he's working tonight. No. He's he's working tonight. That sounds good. Yeah. You won't be able to leave him a voice mail, though, because he hasn't set it up properly yet. Yeah. Yeah. Yeah. It just comes up when his voice mail is full. So Okay then. Yep. Thank you very much. Yeah. I've got that work it up by three. Yep. Thank you. You have enjoy your weekend. Thank you. Thank you. 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I'm good. Thanks. How are you? Yes.\n\nYeah. Yes. Yep. Rosalie Dawn Patterson, July 10 1964. 20 Richards Crescent Rosebery.\n\nThank you. You shush. No. No. No.\n\nI was working. So Yeah. Just let me have a look. I'll just put you on speaker for a minute. Shipping.\n\nHang on a second. It's really quick. Alright. Just going through. I've got it here.\n\nIt's going through. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Not really.\n\nIn March, it said. I haven't looked up. We've gone through here, but no. Yep. Yes.\n\nYeah. Yep. Yeah. I've just gotta make my screen a bit bigger. That's all.\n\nYep. Mhmm. Yes. Yep. Yep.\n\nYep. Yep. Yeah. Be around then. Yeah.\n\nWell, we'll because we bought a new car last year, so it's got another well, another six years on it. So before we that. Whatever. Yep. We are going to try, but I've got my car's paid off next year.\n\nI've got a personal loan, and John's got a personal loan. So just over 100,000. Oh, it's lovely. It's lovely to do that. Yeah.\n\nYeah. Yeah. Because we still wanna buy a caravan, so we wanna use it to pull a caravan. But that won't be that won't be for a couple of years. Oh, stop it.\n\nI've got no idea. Haven't looked at it recently. Yeah. Yeah. Well, we wanna on a day for most of it, but, yeah, we might need some out of our super, or we might take another loan.\n\nNo. Because I think you've gone up quite a lot in the last few years. Yeah. Not we don't wanna go hugely off roading. We've got yeah.\n\nJust mainly mainly between caravan parks. Yeah. We're still thinking about doing that. Yeah. Yes.\n\nI am going to look into that, but I'll have to it'll have to be after my car's paid off. No. This car my flight, some some yeah. Sometime next year after my car's paid off and my personal loan, which paid off November this year. And, yeah, I need to pay a chunk off my credit card too.\n\nYes. Yes. But I can't I I can't afford to do it until next year. Yeah. That would be good.\n\nJohn's already making John's making extra payments on his. But when his business is closed down properly, which hopefully will be and the issue beginning and the because he's not operating. We've got we've got money that we have to pay into my we'll be paying into my super account that the business owes me. Yeah. I think it's the yeah.\n\nYeah. I think it was about 20,000 or something that gotta pay me something like that. Between 10 and 20,000. I've gotta go in. No.\n\nBecause we're dealing with at the moment. They've got to reinstate a ABN number. And and then they've got to release the funds that we've got 60,000 in an account, but they've got to release it Yeah. Yeah. Yep.\n\nThat sounds good. Yes. Yes. Yeah. Or at least nearly nearly paid off.\n\nI'm I'll probably end up working a bit longer. Yes. Yes. I'm probably probably not going to retire before '68. You know?\n\nI probably prefer the high at the moment. Yeah. Yep. Yep. I'll probably give you a call.\n\nYep. I'm aware that the market does dip and rise. Yeah. Yeah. So no.\n\nI'm I'm not not worried about it. Pretty much optimistic. The property is not all that safe. Yeah. Yeah.\n\nI have invested in shares before, but but we have I didn't take out a loan. That was just money that well, actually, it was my previous husband and I, we had oh, what was it? It was the the mortgage where you paid all your money into the the mortgage and then you paid off you had spent everything on a credit card, and you paid off the credit card at the end of the month. So we actually paid it's a home loan. So we paid our we actually paid our home loan down quite a lot, and we used the equity in the home loan to to buy shares.\n\nYeah. I'm quite happy to do it again. However, I don't know that John is quite happy. Yeah. But we haven't got a home loan anyway at the moment.\n\nSo Well, we want to buy a house to live in, but we might buy it earlier so that we rent it out for a while before we can live in it. Yeah. Yes. No. I'm quite I'm quite happy to stay as it is.\n\nYep. That sounds good. We have we have some life insurance. Private life insurance. Yeah.\n\nIt's good. Yeah. We pay for that. Yeah. It just changed it.\n\nWe changed to golden. I'm covered for more than Johnny. I have to work this summer. Well, that's because he smokes. His his payment his payment is still fine.\n\nThat's fine. Yeah. They might. But we can we we can't stop in the starting place. What is this?\n\nLet's 150,000 is mine. Golden. Golden Wealth Insurance. Yeah. I mean, if they have to ring it up.\n\nWhen we were yeah. We just transferring in porting out here. Just for now, I'm happy to keep it, but might just bust it again next year. We've only it's it's only a couple of months since we changed it. So We are discussing doing a will, and we keep we keep saying we've got to do it, but we haven't got around to it.\n\nYeah. We did have beneficiary paperwork sent out to us, but we haven't filled it up. And I'm not even sure where it is at the moment. Yes. This is just right.\n\nYes. Yeah. That would be correct. Yeah. John.\n\nYep. 02/16/1967. Yep. Is it is it noted on there that we're married now? Yes.\n\n2024. So it's just over two and a half years roundabout. Yes. Yes. That was January.\n\nJanuary 2024. Yes. No. I haven't changed it. Too complicated at work to change it because I probably change all my passwords and everything.\n\nYes. Yeah. The binding non matching. Yes. Yes.\n\nYes. Yes. Yes. Yes. Yes.\n\nNo. That's February next year. Oh god. I've got no ID. Not I don't know.\n\nI haven't really looked at it because I'm not planning on selling it. No. We I I know I paid 48,000 for it, but I can't I don't know what it's worth now. Yeah. I was we're getting maybe 30, but, yeah, $20.22.\n\nYeah. Because that one, we tend to get more customers. No. I don't. No.\n\nIt hasn't changed. We signed a new lease at the same length. So The personal line? I'm not no. It's under 1,000.\n\nJust let me get in here, and I'll have a look. What does it say here? 995. Yeah. That's the one that's due.\n\nIt's been paid off shortly. Yep. Yep. Yep. Yeah.\n\nThat's still that's fine. No. Not for me. Well, I've half of the half of the Everest is the Everest is in joint name. So yeah.\n\nYeah. Yep. Yes. Yep. Because we won't be living in Darwin.\n\nDarwin, we couldn't do that. Because we can't live up here. Oh, no. We're going back to South Australia. Yep.\n\nRight now, we can get a decent secondhand one for about 60,000. New ones, we had a look at them last week. We went into Jayco and had a look. Anything from probably 80 to 100 and over 100,000, which we're not looking at. So, yeah, about about 60 at the moment.\n\nYeah. Yeah. No. That that was pretty much with we might talk about our life insurance when when we talked to you in March. But yep.\n\nYeah. Yeah. We're we're quite happy we're quite happy to do it, didn't we? But right now, I can't tell you when we're off together. So yes.\n\nYep. Okay. Yep. Okay. Yep.\n\nYep. Yep. Yep. Yes. Yep.\n\nYeah. Yep. No. I don't think so. So if yeah.\n\nI click the click to start thing on the bottom here. Is that what I'm doing? I didn't do that. It's just brought up member's full name signature and date. It hasn't brought up her.\n\nIt says the next. I can't, but I've gotta fill this out before I click next, don't I? Oh, here we go. Time to leave. That'll do.\n\nYep. It's not populating my name. Oh, maybe it had. I did well, it's got an extra r in it. Can I change that?\n\nYeah. I'm sorry. Right. So now now it says the right thing. Date.\n\nWhat is the date? It's the first, isn't it? I want September 2026. Alright. I think that should be things that were in there.\n\nWhat's this phone check phone number? Is that coding? Sorry. Bringing it up. I can't read it.\n\nDate signed. Yep. That's done that. It's validate. I just hit that.\n\nThis is loading. Yep. This is I haven't got any leave. I've got leave in November. I've just changed it.\n\nSo I only got I've got well, it works out to be a block a block off, which is two weeks. Yeah. We got a pay rise. My salary is 70 I think it went up to 79 something. Is that that that's about yeah.\n\nThat's about 10 or two. Yeah. I think I earned over a $100. Financial you I haven't Sorry. Angus is barking.\n\nI don't know what he's barking at. Someone probably moved some streets away. Where's my where's my tech return? So my taxable income according to my tax return, which I haven't got the official one back from the government. Taxable income last year was 106,000.\n\nWe got yeah. We got a pay rise last year and a a pay rise for the next three years was what got signed off on. So we just had our second one. We just had the second one. Just took it up to 79 plus.\n\nPlus penalties. I haven't seen what the penalties went up by yet. That's next pay sheet. Yep. That sounds good.\n\nIs John due for his twelve monthly review or not? Because he was asking, but I have a feeling he did it earlier on. He's in bed at the moment, so he's working tonight. No. He's he's working tonight.\n\nThat sounds good. Yeah. You won't be able to leave him a voice mail, though, because he hasn't set it up properly yet. Yeah. Yeah.\n\nYeah. It just comes up when his voice mail is full. So Okay then. Yep. Thank you very much.\n\nYeah. I've got that work it up by three. Yep. Thank you. You have enjoy your weekend.\n\nThank you. Thank you. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.03681638464331627},{"text":"I'm good.","start":6.3199997,"end":6.8799996,"sentiment":"positive","sentiment_score":0.5611857175827026},{"text":"Thanks.","start":6.8799996,"end":7.12,"sentiment":"positive","sentiment_score":0.6128108501434326},{"text":"How are 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credit card at the end of the month.","start":1165.665,"end":1176.66,"sentiment":"neutral","sentiment_score":-0.006425497508267077},{"text":"So we actually paid it's a home loan.","start":1177.04,"end":1179.78,"sentiment":"neutral","sentiment_score":0.02810477069579065},{"text":"So we paid our we actually paid our home loan down quite a lot, and we used the equity in the home loan to to buy shares.","start":1180.0,"end":1189.255,"sentiment":"neutral","sentiment_score":0.04417237135823126}],"sentiment":"neutral","sentiment_score":0.002769404523340719,"num_words":112,"start":1146.61,"end":1189.255},{"sentences":[{"text":"Yeah.","start":1194.8351,"end":1195.3351,"sentiment":"neutral","sentiment_score":0.12136827409267426},{"text":"I'm quite happy to do it again.","start":1204.05,"end":1206.6901,"sentiment":"positive","sentiment_score":0.33558288855212076},{"text":"However, I don't know that John is quite happy.","start":1206.6901,"end":1209.8301,"sentiment":"neutral","sentiment_score":-0.012032141288121542},{"text":"Yeah.","start":1210.05,"end":1210.3701,"sentiment":"neutral","sentiment_score":-0.0104720676317811},{"text":"But we haven't got a home loan anyway at the moment.","start":1210.3701,"end":1212.6101,"sentiment":"neutral","sentiment_score":-0.17083602805029263}],"sentiment":"neutral","sentiment_score":0.016292787799290543,"num_words":29,"start":1194.8351,"end":1212.6101},{"sentences":[{"text":"So Well, we want to buy a house to live in, but we might buy it earlier so that we rent it out for a while before we can live in 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fine.","start":1388.96,"end":1392.72,"sentiment":"neutral","sentiment_score":-0.037726755952462554}],"sentiment":"neutral","sentiment_score":-0.16283695881479773,"num_words":29,"start":1369.605,"end":1392.72},{"sentences":[{"text":"That's fine.","start":1392.72,"end":1393.46,"sentiment":"neutral","sentiment_score":0.02266861591488123},{"text":"Yeah.","start":1411.0399,"end":1411.28,"sentiment":"neutral","sentiment_score":-0.05962200835347176},{"text":"They might.","start":1411.28,"end":1411.94,"sentiment":"neutral","sentiment_score":-0.08433444052934647},{"text":"But we can we we can't stop in the starting place.","start":1412.64,"end":1416.1799,"sentiment":"neutral","sentiment_score":-0.12708713859319687},{"text":"What is this?","start":1421.0399,"end":1421.94,"sentiment":"neutral","sentiment_score":-0.042273070042332016}],"sentiment":"neutral","sentiment_score":-0.08988059959129284,"num_words":19,"start":1392.72,"end":1421.94},{"sentences":[{"text":"Let's 150,000 is mine.","start":1422.0,"end":1424.595,"sentiment":"neutral","sentiment_score":-0.009263713378459215},{"text":"Golden.","start":1433.375,"end":1433.875,"sentiment":"neutral","sentiment_score":-0.012026815675199032},{"text":"Golden Wealth Insurance.","start":1438.0901,"end":1439.39,"sentiment":"neutral","sentiment_score":0.012571095178524653},{"text":"Yeah.","start":1441.53,"end":1442.03,"sentiment":"neutral","sentiment_score":0.08789405971765518},{"text":"I mean, if they have to ring it up.","start":1443.4501,"end":1445.4701,"sentiment":"neutral","sentiment_score":0.045671192929148674}],"sentiment":"neutral","sentiment_score":0.027087022912585072,"num_words":18,"start":1422.0,"end":1445.4701},{"sentences":[{"text":"When we were yeah.","start":1446.17,"end":1449.4501,"sentiment":"neutral","sentiment_score":-0.01850057253614068},{"text":"We just transferring in porting out here.","start":1449.4501,"end":1454.7649,"sentiment":"neutral","sentiment_score":-0.005059514993003437},{"text":"Just for now, I'm happy to keep it, but might just bust it again next year.","start":1469.96,"end":1474.635,"sentiment":"neutral","sentiment_score":-0.16741929622367024},{"text":"We've only it's it's only a couple of months since we changed it.","start":1475.015,"end":1478.9349,"sentiment":"neutral","sentiment_score":-0.003134745997018539},{"text":"So We are discussing doing a will, and we keep we keep saying we've got to do it, but we haven't got around to it.","start":1478.9349,"end":1511.255,"sentiment":"neutral","sentiment_score":-0.03616299103945494}],"sentiment":"neutral","sentiment_score":-0.05743006320956808,"num_words":65,"start":1446.17,"end":1511.255},{"sentences":[{"text":"Yeah.","start":1512.64,"end":1513.04,"sentiment":"neutral","sentiment_score":-0.03373505175113678},{"text":"We did have beneficiary paperwork sent out to us, but we haven't filled it up.","start":1513.04,"end":1518.96,"sentiment":"neutral","sentiment_score":-0.06827551349997521},{"text":"And I'm not even sure where it is at the moment.","start":1518.96,"end":1521.78,"sentiment":"neutral","sentiment_score":-0.08351756530729207},{"text":"Yes.","start":1527.135,"end":1527.375,"sentiment":"neutral","sentiment_score":0.04921424016356468},{"text":"This is just right.","start":1527.375,"end":1528.595,"sentiment":"neutral","sentiment_score":0.06129029765725136}],"sentiment":"neutral","sentiment_score":-0.052568298182450235,"num_words":32,"start":1512.64,"end":1528.595},{"sentences":[{"text":"Yes.","start":1531.615,"end":1532.115,"sentiment":"neutral","sentiment_score":0.04371272027492523},{"text":"Yeah.","start":1532.255,"end":1532.415,"sentiment":"neutral","sentiment_score":0.060823068022727966},{"text":"That would be correct.","start":1532.415,"end":1533.555,"sentiment":"neutral","sentiment_score":0.10428713634610176},{"text":"Yeah.","start":1533.775,"end":1534.275,"sentiment":"neutral","sentiment_score":0.17740115523338318},{"text":"John.","start":1544.8301,"end":1545.3301,"sentiment":"neutral","sentiment_score":0.005927523132413626}],"sentiment":"neutral","sentiment_score":0.08812662650598213,"num_words":8,"start":1531.615,"end":1545.3301},{"sentences":[{"text":"Yep.","start":1549.31,"end":1549.81,"sentiment":"neutral","sentiment_score":0.14717639982700348},{"text":"02/16/1967.","start":1560.925,"end":1563.5851,"sentiment":"neutral","sentiment_score":0.0071922168135643005},{"text":"Yep.","start":1565.805,"end":1566.305,"sentiment":"neutral","sentiment_score":0.13187791407108307},{"text":"Is it is it noted on there that we're married 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everything.","start":1604.7101,"end":1609.05,"sentiment":"neutral","sentiment_score":-0.17270327219739556}],"sentiment":"neutral","sentiment_score":-0.13505086318279305,"num_words":24,"start":1589.485,"end":1609.05},{"sentences":[{"text":"Yes.","start":1639.715,"end":1640.215,"sentiment":"neutral","sentiment_score":0.0958477258682251},{"text":"Yeah.","start":1663.825,"end":1664.145,"sentiment":"neutral","sentiment_score":0.021851301193237305},{"text":"The binding non 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now.","start":1740.05,"end":1745.5149,"sentiment":"neutral","sentiment_score":-0.24630730795232872},{"text":"Yeah.","start":1766.23,"end":1766.73,"sentiment":"neutral","sentiment_score":-0.002797607332468033},{"text":"I was we're getting maybe 30, but, yeah, $20.22.","start":1766.975,"end":1770.595,"sentiment":"neutral","sentiment_score":-0.006824658976660835}],"sentiment":"neutral","sentiment_score":-0.18833172329983047,"num_words":43,"start":1732.2101,"end":1770.595},{"sentences":[{"text":"Yeah.","start":1770.8151,"end":1771.3151,"sentiment":"neutral","sentiment_score":0.07638085633516312},{"text":"Because that one, we tend to get more customers.","start":1778.335,"end":1782.69,"sentiment":"neutral","sentiment_score":0.07600209737817447},{"text":"No.","start":1794.27,"end":1794.6699,"sentiment":"neutral","sentiment_score":-0.06032135710120201},{"text":"I 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we can get a decent secondhand one for about 60,000.","start":1984.235,"end":1988.015,"sentiment":"neutral","sentiment_score":0.03245480808739861},{"text":"New ones, we had a look at them last week.","start":1989.115,"end":1992.03,"sentiment":"neutral","sentiment_score":-0.00975362784229219},{"text":"We went into Jayco and had a look.","start":1992.03,"end":1993.81,"sentiment":"neutral","sentiment_score":-0.0006662728847004474},{"text":"Anything from probably 80 to 100 and over 100,000, which we're not looking at.","start":1994.1901,"end":2000.37,"sentiment":"neutral","sentiment_score":-0.06937904190272093},{"text":"So, yeah, about about 60 at the moment.","start":2001.31,"end":2003.79,"sentiment":"neutral","sentiment_score":-0.01145018171519041}],"sentiment":"neutral","sentiment_score":-0.014929169323295355,"num_words":52,"start":1984.235,"end":2003.79},{"sentences":[{"text":"Yeah.","start":2003.79,"end":2004.015,"sentiment":"neutral","sentiment_score":0.05636363476514816},{"text":"Yeah.","start":2014.335,"end":2014.835,"sentiment":"neutral","sentiment_score":0.11297202110290527},{"text":"No.","start":2021.55,"end":2021.87,"sentiment":"neutral","sentiment_score":-0.13286319375038147},{"text":"That that was pretty much with we might talk about our life insurance when when we talked to you in March.","start":2021.87,"end":2029.935,"sentiment":"neutral","sentiment_score":0.004506722225674561},{"text":"But yep.","start":2041.6151,"end":2042.64,"sentiment":"neutral","sentiment_score":0.020936949644237757}],"sentiment":"neutral","sentiment_score":0.006653366467127433,"num_words":26,"start":2003.79,"end":2042.64},{"sentences":[{"text":"Yeah.","start":2047.2001,"end":2047.52,"sentiment":"neutral","sentiment_score":0.10234928876161575},{"text":"Yeah.","start":2047.52,"end":2047.76,"sentiment":"neutral","sentiment_score":0.10561130940914154},{"text":"We're we're quite happy we're quite happy to do it, didn't we?","start":2047.76,"end":2051.3,"sentiment":"neutral","sentiment_score":0.10387342454244693},{"text":"But right now, I can't tell you when we're off together.","start":2051.44,"end":2054.08,"sentiment":"neutral","sentiment_score":0.0030548643236133185},{"text":"So yes.","start":2054.08,"end":2069.28,"sentiment":"neutral","sentiment_score":0.0010866597294807434}],"sentiment":"neutral","sentiment_score":0.05519327850736402,"num_words":27,"start":2047.2001,"end":2069.28},{"sentences":[{"text":"Yep.","start":2096.255,"end":2096.55,"sentiment":"neutral","sentiment_score":0.01997941918671131},{"text":"Okay.","start":2099.83,"end":2100.33,"sentiment":"neutral","sentiment_score":0.057686857879161835},{"text":"Yep.","start":2115.045,"end":2115.545,"sentiment":"neutral","sentiment_score":-0.016912423074245453},{"text":"Okay.","start":2140.365,"end":2140.865,"sentiment":"neutral","sentiment_score":0.09250238537788393},{"text":"Yep.","start":2144.925,"end":2145.425,"sentiment":"neutral","sentiment_score":0.2263382375240326}],"sentiment":"neutral","sentiment_score":0.07591889537870884,"num_words":5,"start":2096.255,"end":2145.425},{"sentences":[{"text":"Yep.","start":2154.81,"end":2155.31,"sentiment":"neutral","sentiment_score":0.02714911848306656},{"text":"Yep.","start":2165.305,"end":2165.805,"sentiment":"neutral","sentiment_score":0.06632868945598602},{"text":"Yep.","start":2190.935,"end":2191.435,"sentiment":"neutral","sentiment_score":-0.13779142498970032},{"text":"Yes.","start":2197.66,"end":2198.16,"sentiment":"neutral","sentiment_score":-0.0918724536895752},{"text":"Yep.","start":2204.46,"end":2204.7,"sentiment":"neutral","sentiment_score":0.046201031655073166}],"sentiment":"neutral","sentiment_score":-0.017997007817029953,"num_words":5,"start":2154.81,"end":2204.7},{"sentences":[{"text":"Yeah.","start":2204.7,"end":2205.2,"sentiment":"neutral","sentiment_score":0.06424132734537125},{"text":"Yep.","start":2205.66,"end":2206.16,"sentiment":"neutral","sentiment_score":0.07472629845142365},{"text":"No.","start":2225.53,"end":2226.03,"sentiment":"neutral","sentiment_score":-0.2264477014541626},{"text":"I don't think so.","start":2226.41,"end":2227.55,"sentiment":"neutral","sentiment_score":-0.2124289013445377},{"text":"So if yeah.","start":2228.09,"end":2230.03,"sentiment":"neutral","sentiment_score":0.01370980218052864}],"sentiment":"neutral","sentiment_score":-0.08960662744939327,"num_words":10,"start":2204.7,"end":2230.03},{"sentences":[{"text":"I click the click to start thing on the bottom here.","start":2230.17,"end":2232.73,"sentiment":"neutral","sentiment_score":0.06541963124817068},{"text":"Is that what I'm doing?","start":2232.73,"end":2233.95,"sentiment":"neutral","sentiment_score":0.05662145689129829},{"text":"I didn't do that.","start":2249.645,"end":2251.07,"sentiment":"neutral","sentiment_score":-0.06731318309903145},{"text":"It's just brought up member's full name signature and date.","start":2258.25,"end":2262.435,"sentiment":"neutral","sentiment_score":0.028652784507721664},{"text":"It hasn't brought up her.","start":2262.595,"end":2265.475,"sentiment":"neutral","sentiment_score":-0.06046254187822342}],"sentiment":"neutral","sentiment_score":0.020505303756466933,"num_words":35,"start":2230.17,"end":2265.475},{"sentences":[{"text":"It says the next.","start":2265.715,"end":2266.7551,"sentiment":"neutral","sentiment_score":-0.06695194821804762},{"text":"I can't, but I've gotta fill this out before I click next, don't I?","start":2266.7551,"end":2270.135,"sentiment":"neutral","sentiment_score":-0.06919363167669092},{"text":"Oh, here we go.","start":2282.13,"end":2283.1099,"sentiment":"neutral","sentiment_score":0.028822758235037327},{"text":"Time to leave.","start":2284.3699,"end":2285.17,"sentiment":"neutral","sentiment_score":0.011826307823260626},{"text":"That'll do.","start":2285.17,"end":2286.07,"sentiment":"neutral","sentiment_score":0.031025895848870277}],"sentiment":"neutral","sentiment_score":-0.037914699564377465,"num_words":27,"start":2265.715,"end":2286.07},{"sentences":[{"text":"Yep.","start":2292.705,"end":2293.105,"sentiment":"neutral","sentiment_score":-0.005800190847367048},{"text":"It's not populating my name.","start":2293.105,"end":2295.125,"sentiment":"neutral","sentiment_score":-0.25653803050518037},{"text":"Oh, maybe it had.","start":2297.2651,"end":2298.63,"sentiment":"neutral","sentiment_score":-0.06924586184322834},{"text":"I did well, it's got an extra r in it.","start":2303.0298,"end":2307.19,"sentiment":"neutral","sentiment_score":-0.06549289301037789},{"text":"Can I change that?","start":2307.19,"end":2308.49,"sentiment":"neutral","sentiment_score":-0.07870598323643208}],"sentiment":"neutral","sentiment_score":-0.10563444390815373,"num_words":24,"start":2292.705,"end":2308.49},{"sentences":[{"text":"Yeah.","start":2309.99,"end":2310.15,"sentiment":"neutral","sentiment_score":-0.07763645797967911},{"text":"I'm sorry.","start":2310.15,"end":2310.8098,"sentiment":"neutral","sentiment_score":-0.20191097259521484},{"text":"Right.","start":2312.15,"end":2312.39,"sentiment":"neutral","sentiment_score":-0.03827470541000366},{"text":"So now now it says the right thing.","start":2312.39,"end":2314.5698,"sentiment":"neutral","sentiment_score":0.019827048294246197},{"text":"Date.","start":2317.325,"end":2317.825,"sentiment":"neutral","sentiment_score":0.11140149086713792}],"sentiment":"neutral","sentiment_score":-0.01920886395069269,"num_words":13,"start":2309.99,"end":2317.825},{"sentences":[{"text":"What is the date?","start":2319.565,"end":2320.445,"sentiment":"neutral","sentiment_score":0.0429851533845067},{"text":"It's the first, isn't it?","start":2320.445,"end":2321.825,"sentiment":"neutral","sentiment_score":0.023280147463083267},{"text":"I want September 2026.","start":2340.4949,"end":2342.755,"sentiment":"neutral","sentiment_score":0.03275592811405659},{"text":"Alright.","start":2346.015,"end":2346.4949,"sentiment":"neutral","sentiment_score":0.1710507571697235},{"text":"I think that should be things that were in there.","start":2346.4949,"end":2348.595,"sentiment":"neutral","sentiment_score":0.21898246109485625}],"sentiment":"neutral","sentiment_score":0.11584335130949815,"num_words":24,"start":2319.565,"end":2348.595},{"sentences":[{"text":"What's this phone check phone number?","start":2369.7249,"end":2371.825,"sentiment":"neutral","sentiment_score":0.04442179265121619},{"text":"Is that coding?","start":2385.9802,"end":2386.8,"sentiment":"neutral","sentiment_score":0.014690005530913671},{"text":"Sorry.","start":2387.9802,"end":2388.405,"sentiment":"neutral","sentiment_score":-0.07217999547719955},{"text":"Bringing it up.","start":2388.565,"end":2389.205,"sentiment":"neutral","sentiment_score":-0.056896232068538666},{"text":"I can't read it.","start":2389.205,"end":2390.425,"sentiment":"neutral","sentiment_score":-0.11456607840955257}],"sentiment":"neutral","sentiment_score":-0.022972484283587512,"num_words":17,"start":2369.7249,"end":2390.425},{"sentences":[{"text":"Date signed.","start":2397.045,"end":2398.105,"sentiment":"neutral","sentiment_score":0.051240939646959305},{"text":"Yep.","start":2398.245,"end":2398.565,"sentiment":"neutral","sentiment_score":0.08824782073497772},{"text":"That's done that.","start":2398.565,"end":2399.625,"sentiment":"neutral","sentiment_score":0.21213668088118234},{"text":"It's validate.","start":2406.68,"end":2407.5,"sentiment":"neutral","sentiment_score":0.0813758410513401},{"text":"I just hit that.","start":2407.56,"end":2408.7,"sentiment":"neutral","sentiment_score":0.06541502848267555}],"sentiment":"neutral","sentiment_score":0.10429596155881882,"num_words":12,"start":2397.045,"end":2408.7},{"sentences":[{"text":"This is loading.","start":2412.1199,"end":2413.1,"sentiment":"neutral","sentiment_score":0.32811787724494934},{"text":"Yep.","start":2425.175,"end":2425.675,"sentiment":"neutral","sentiment_score":-0.015678439289331436},{"text":"This is I haven't got any leave.","start":2432.15,"end":2435.35,"sentiment":"neutral","sentiment_score":-0.16393592953681946},{"text":"I've got leave in November.","start":2435.35,"end":2437.99,"sentiment":"neutral","sentiment_score":-0.13971270620822906},{"text":"I've just changed it.","start":2437.99,"end":2438.79,"sentiment":"neutral","sentiment_score":-0.09682611376047134}],"sentiment":"neutral","sentiment_score":-0.06323721501976251,"num_words":20,"start":2412.1199,"end":2438.79},{"sentences":[{"text":"So I only got I've got well, it works out to be a block a block off, which is two weeks.","start":2438.79,"end":2445.955,"sentiment":"neutral","sentiment_score":-0.0919414453563236},{"text":"Yeah.","start":2455.0552,"end":2455.2952,"sentiment":"neutral","sentiment_score":0.048447079956531525},{"text":"We got a pay rise.","start":2455.2952,"end":2456.595,"sentiment":"neutral","sentiment_score":0.07304382175207139},{"text":"My salary is 70 I think it went up to 79 something.","start":2460.44,"end":2468.3,"sentiment":"neutral","sentiment_score":0.12254548259079456},{"text":"Is that that that's about yeah.","start":2469.48,"end":2472.5352,"sentiment":"neutral","sentiment_score":-0.0035909366173048816}],"sentiment":"neutral","sentiment_score":-0.0015134220528933737,"num_words":45,"start":2438.79,"end":2472.5352},{"sentences":[{"text":"That's about 10 or two.","start":2472.5352,"end":2474.135,"sentiment":"neutral","sentiment_score":-0.0009053797461092472},{"text":"Yeah.","start":2474.135,"end":2474.635,"sentiment":"neutral","sentiment_score":0.012325551360845566},{"text":"I think I earned over a $100.","start":2474.855,"end":2476.875,"sentiment":"neutral","sentiment_score":0.015497118367680482},{"text":"Financial you I haven't Sorry.","start":2479.975,"end":2484.0398,"sentiment":"neutral","sentiment_score":-0.07090209051966667},{"text":"Angus is barking.","start":2484.0398,"end":2485.0999,"sentiment":"neutral","sentiment_score":-0.32904988527297974}],"sentiment":"neutral","sentiment_score":-0.058351506057771896,"num_words":21,"start":2472.5352,"end":2485.0999},{"sentences":[{"text":"I don't know what he's barking at.","start":2486.92,"end":2488.7798,"sentiment":"neutral","sentiment_score":-0.22767427350793565},{"text":"Someone probably moved some streets away.","start":2490.2,"end":2492.46,"sentiment":"neutral","sentiment_score":-0.2232412894566854},{"text":"Where's my where's my tech return?","start":2494.5198,"end":2507.855,"sentiment":"neutral","sentiment_score":0.01148894646515449},{"text":"So my taxable income according to my tax return, which I haven't got the official one back from the government.","start":2508.395,"end":2514.79,"sentiment":"neutral","sentiment_score":-0.025013983249664307},{"text":"Taxable income last year was 106,000.","start":2516.9302,"end":2522.6301,"sentiment":"neutral","sentiment_score":0.03423555505772432}],"sentiment":"neutral","sentiment_score":-0.070202229047815,"num_words":45,"start":2486.92,"end":2522.6301},{"sentences":[{"text":"We got yeah.","start":2533.205,"end":2533.8452,"sentiment":"positive","sentiment_score":0.3837956388791402},{"text":"We got a pay rise last year and a a pay rise for the next three years was what got signed off on.","start":2533.8452,"end":2543.3,"sentiment":"neutral","sentiment_score":0.13947768315024997},{"text":"So we just had our second one.","start":2543.3,"end":2545.48,"sentiment":"neutral","sentiment_score":0.058343092777899334},{"text":"We just had the second one.","start":2546.5,"end":2548.2,"sentiment":"neutral","sentiment_score":0.2041627193490664},{"text":"Just took it up to 79 plus.","start":2548.34,"end":2553.755,"sentiment":"neutral","sentiment_score":0.062401357506002696}],"sentiment":"neutral","sentiment_score":0.13977306732988876,"num_words":46,"start":2533.205,"end":2553.755},{"sentences":[{"text":"Plus penalties.","start":2553.755,"end":2554.415,"sentiment":"neutral","sentiment_score":0.027355493046343327},{"text":"I haven't seen what the penalties went up by yet.","start":2554.875,"end":2557.035,"sentiment":"neutral","sentiment_score":-0.027061554417014123},{"text":"That's next pay sheet.","start":2557.035,"end":2558.335,"sentiment":"neutral","sentiment_score":0.07964253425598145},{"text":"Yep.","start":2566.97,"end":2567.47,"sentiment":"neutral","sentiment_score":0.1301276981830597},{"text":"That sounds good.","start":2583.465,"end":2589.74,"sentiment":"neutral","sentiment_score":0.2737014939387639}],"sentiment":"neutral","sentiment_score":0.05269488794729114,"num_words":20,"start":2553.755,"end":2589.74},{"sentences":[{"text":"Is John due for his twelve monthly review or not?","start":2589.96,"end":2595.02,"sentiment":"neutral","sentiment_score":0.031614357605576515},{"text":"Because he was asking, but I have a feeling he did it earlier on.","start":2598.92,"end":2602.485,"sentiment":"neutral","sentiment_score":-0.042133345800851076},{"text":"He's in bed at the moment, so he's working tonight.","start":2612.5652,"end":2615.945,"sentiment":"neutral","sentiment_score":-0.03840198740363121},{"text":"No.","start":2616.405,"end":2616.645,"sentiment":"neutral","sentiment_score":-0.13697323203086853},{"text":"He's he's working tonight.","start":2616.645,"end":2618.0251,"sentiment":"neutral","sentiment_score":-0.08786742761731148}],"sentiment":"neutral","sentiment_score":-0.02938938671006606,"num_words":39,"start":2589.96,"end":2618.0251},{"sentences":[{"text":"That sounds good.","start":2638.685,"end":2639.8252,"sentiment":"positive","sentiment_score":0.4960084557533264},{"text":"Yeah.","start":2642.845,"end":2643.165,"sentiment":"neutral","sentiment_score":0.023016761988401413},{"text":"You won't be able to leave him a voice mail, though, because he hasn't set it up properly yet.","start":2643.165,"end":2647.43,"sentiment":"neutral","sentiment_score":-0.12802219783004962},{"text":"Yeah.","start":2651.41,"end":2651.91,"sentiment":"neutral","sentiment_score":0.014298005029559135},{"text":"Yeah.","start":2652.93,"end":2653.43,"sentiment":"neutral","sentiment_score":0.013470714911818504}],"sentiment":"neutral","sentiment_score":-0.035744436383247376,"num_words":25,"start":2638.685,"end":2653.43},{"sentences":[{"text":"Yeah.","start":2653.89,"end":2654.3699,"sentiment":"neutral","sentiment_score":0.0445597842335701},{"text":"It just comes up when his voice mail is full.","start":2654.3699,"end":2656.69,"sentiment":"neutral","sentiment_score":0.09209780022501945},{"text":"So Okay then.","start":2656.69,"end":2669.905,"sentiment":"neutral","sentiment_score":0.16985982159773508},{"text":"Yep.","start":2669.905,"end":2670.3052,"sentiment":"neutral","sentiment_score":0.2748650312423706},{"text":"Thank you very much.","start":2670.3052,"end":2671.365,"sentiment":"positive","sentiment_score":0.7808643281459808}],"sentiment":"neutral","sentiment_score":0.2564968207949086,"num_words":19,"start":2653.89,"end":2671.365},{"sentences":[{"text":"Yeah.","start":2674.5798,"end":2674.98,"sentiment":"positive","sentiment_score":0.4063140153884888},{"text":"I've got that work it up by three.","start":2674.98,"end":2677.0,"sentiment":"positive","sentiment_score":0.4320714734494686},{"text":"Yep.","start":2686.2852,"end":2686.7852,"sentiment":"positive","sentiment_score":0.33423489332199097},{"text":"Thank you.","start":2686.8452,"end":2687.665,"sentiment":"positive","sentiment_score":0.5903836190700531},{"text":"You have enjoy your weekend.","start":2687.885,"end":2689.425,"sentiment":"positive","sentiment_score":0.4882339358329773}],"sentiment":"positive","sentiment_score":0.45994456550654245,"num_words":17,"start":2674.5798,"end":2689.425},{"sentences":[{"text":"Thank you.","start":2689.485,"end":2690.3052,"sentiment":"positive","sentiment_score":0.6226547360420227},{"text":"Thank you.","start":2693.0051,"end":2693.5652,"sentiment":"positive","sentiment_score":0.5844916701316833},{"text":"Bye bye.","start":2693.5652,"end":2694.3052,"sentiment":"neutral","sentiment_score":0.06034030392765998}],"sentiment":"positive","sentiment_score":0.4224955700337887,"num_words":6,"start":2689.485,"end":2694.3052}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Rosalie. This is Dana from Oakview Financial. How are you this afternoon?\n\nChannel 1: I'm good. Thanks. How are you?\n\nChannel 0: I am very well. Thank you. I had you booked in to go through a bit of an annual review this afternoon. Is now still a good time there for you?\n\nChannel 1: Yes. Yeah.\n\nChannel 0: Fantastic. Before I jump into the call, I do need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yes.\n\nChannel 0: Fantastic. And just to do a quick security check there with you as well, we are discussing your personal information. So I'll just get you to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Yep. Rosalie Dawn Patterson, July 10\n\nChannel 0: K.\n\nChannel 1: 1964. 20 Richards Crescent Rosebery.\n\nChannel 0: Beautiful. Thank you so much for that. And, Rosalie, you just had a birthday. Happy birthday for July.\n\nChannel 1: Thank you. You shush.\n\nChannel 0: Did you do did you do anything fun, go out for dinner, or anything nice?\n\nChannel 1: No.\n\nChannel 0: No? Oh, that's\n\nChannel 1: No. No.\n\nChannel 0: a shame.\n\nChannel 1: I was working. So\n\nChannel 0: Oh, that's a shame. That's all good. Well, but, normally, when we send through so, normally, when we do the annual review, we send through some documents to your email. Are you able to access your email there at the moment? If you can, it's honestly okay.\n\nChannel 1: Yeah. Just let me have a look. I'll just put\n\nChannel 0: Yeah.\n\nChannel 1: you\n\nChannel 0: You're\n\nChannel 1: on speaker\n\nChannel 0: right.\n\nChannel 1: for a minute.\n\nChannel 0: Not a problem. I'll just send this one through to you there. There we go. It's coming through from Odoo Time. I believe it also comes through from Dana at Odoo Financial.\n\nChannel 1: Shipping. Hang on a second. It's really quick.\n\nChannel 0: Perfect.\n\nChannel 1: Alright. Just going through.\n\nChannel 0: That's okay. Not a problem. It may have also gone through to your junk mailbox. Sometimes I get directed there as well.\n\nChannel 1: I've got it here. It's\n\nChannel 0: You've\n\nChannel 1: going\n\nChannel 0: got it\n\nChannel 1: through.\n\nChannel 0: there?\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. So when you open that email there, it'll it does have a button that says sign to continue or sign. If you press that button, it'll allow you to move forward so you can see the documents there. I will never ask you to sign anything you haven't read. It's just so we can kinda review the documents together.\n\nOkay?\n\nChannel 1: Yep. Yep. Yep.\n\nChannel 0: Excellent. So the first one there when you can see it, I should say summary of superannuation and insure oh, sorry. In superannuation as of the 08/26/2026. So that's\n\nChannel 1: Yep.\n\nChannel 0: when we completed those documents. When I look back at your annual review last year, now your balance back in 2025, we were sitting at about 110,149. So we're up to about a $135,001.92 and 88¢ now. So it is good. We\n\nChannel 1: Yep.\n\nChannel 0: have seen a bit of an increase, albeit the markets have been a little bit up and down this year with everything it has been going on. So we do understand that there are gonna be years, but maybe the returns probably aren't as positive as what we've But it's about\n\nChannel 1: Yep.\n\nChannel 0: maintaining, you know, substantial growth and making sure it is working towards your goals at the end of the day as well. The other\n\nChannel 1: Yep.\n\nChannel 0: thing I sort of wanted to point out was we had sent an email to you back in about March. Do you remember receiving an email in relation to one of your investments? Or\n\nChannel 1: Not really. In March,\n\nChannel 0: no.\n\nChannel 1: it said. I\n\nChannel 0: Yeah.\n\nChannel 1: haven't looked\n\nChannel 0: Yeah.\n\nChannel 1: up. We've gone through here, but\n\nChannel 0: That's okay. If you like, I can always re email through to you. It's not a problem at\n\nChannel 1: no.\n\nChannel 0: all. Essentially, if you scroll through to the next document for me, the next one is your asset performance detail report, and it does\n\nChannel 1: Yep.\n\nChannel 0: kinda go through all the individual investments. Now having a bit of a look at this, and I ran through things before the call, essentially, everything has been working really, really well. We have seen some really good leasing growth this year, albeit it is a much lower return. So, essentially, the growth that we have seen net of fees this year is about 3.60%. So it is\n\nChannel 1: Yes.\n\nChannel 0: a lower growth rate than what we would sort of like to see, but to come out after the last twelve months and still see a positive return with everything that's been going on with The US and the Iran war, plus high inflationary\n\nChannel 1: Yeah.\n\nChannel 0: rates and also changes to the tax legislation here in Australia, there has been a lot sort of going on that has had an effect on the markets there. The other thing that we sort of noted and what we the main reason we sent that email to you in March was you originally have the Benelon Australian Equities Fund. That was actually completely sold out of your portfolio. We sorta had noted earlier this year that that investment was sorta underperforming as well. It was underperforming because of its own issues within the fund, and we've actually moved you into the investment noted underneath that, which is the BetaShares a 200 ETF.\n\nSo if you're looking\n\nChannel 1: Yep.\n\nChannel 0: at the first page of that, you've got your headings asset, cash, alternative investments, and Australian equities. Can you see those headings in blue?\n\nChannel 1: Yeah. I've just gotta make my screen a bit bigger. That's all.\n\nChannel 0: That's okay. You're fine.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. So under those, the Australian Equities Investment, you've got your Benelon Australian Equities Fund. That's the one that you've actually had in your portfolio over the past couple of years, which is not performing as well. So we sold that off and removed it out.\n\nChannel 1: Mhmm.\n\nChannel 0: The one\n\nChannel 1: Yes.\n\nChannel 0: you now hold within your investment still giving you exposure to the Australian market is the BetaShares Australia 200 ETF. One\n\nChannel 1: Yep.\n\nChannel 0: of the good things about this investment is that it's actually giving you greater diversification. So one of the things we'd like to make sure that we can do is to invest in as many different countries, different areas, different asset classes, and different count companies as possible. So diversifying your portfolio and spreading your risk level as much as we possibly can, and that helps to lower the overall risk of the portfolio.\n\nChannel 1: Yep.\n\nChannel 0: The BetaShares Australia 200 has performed much better than Benelon, hasn't been underperforming, and it's actually giving you exposures to the top 200 companies on the ASX. So it's actually giving you greater diversification by having this investment in there, and it's actually a bit cheaper than holding the Bennelong Australian equities as well. So it is reducing your investment fees within the portfolio as well, which is a really good positive sign.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. So the other thing I sort of wanted to touch on today was I know last year, we were trying to look at providing new advice, and we kind of weren't able to get the information required to complete that. So I do wanna look at making sure that that is completed this year for you. I just sort of wanted to look forward to your goals. And whilst we have made these changes within your super fund, I wanted to reassess whether you're in the right risk level, whether we need to maybe make some alterations, and how we kinda provide a greater benefit for your retirement.\n\nChannel 1: Yep.\n\nChannel 0: I originally sorta had it noted here that you were hoping to be able to access your super around about age 67. Is that still fairly accurate? What what age are you sorta hoping to be able to retire?\n\nChannel 1: Yeah. Be around then.\n\nChannel 0: Around then?\n\nChannel 1: Yeah. Well, we'll because we bought a new car last year, so it's got another well, another six years on it. So before\n\nChannel 0: Okay.\n\nChannel 1: we that.\n\nChannel 0: And yeah. No worries. What kind of car did you buy?\n\nChannel 1: Whatever.\n\nChannel 0: Oh, fantastic. And you purchased that on a loan, so you've got six years to pay the loan down?\n\nChannel 1: Yep.\n\nChannel 0: Yep. That's okay. And do you think it'll probably take you about the six years to complete the loan, or do you are you gonna try and pay more onto it to pay it down faster?\n\nChannel 1: We are going to try, but I've got my car's paid off next year.\n\nChannel 0: Yep. Okay. No\n\nChannel 1: I've got\n\nChannel 0: worries.\n\nChannel 1: a personal loan, and John's got a personal loan.\n\nChannel 0: Yep. That's okay. Not a problem. And with the Ford Everest, how much did you pay for that? What's the value that?\n\nChannel 1: So just over 100,000.\n\nChannel 0: Wow. Nice car. Is it good? Is it good to drive?\n\nChannel 1: Oh, it's lovely. It's lovely\n\nChannel 0: Yeah.\n\nChannel 1: to do that. Yeah.\n\nChannel 0: Oh, fantastic. Is it kind of your plan to utilize that for traveling? Or\n\nChannel 1: Yeah. Yeah. Because we still wanna buy a caravan, so we wanna use it to pull a caravan. But that\n\nChannel 0: yeah.\n\nChannel 1: won't be that won't be for a couple of\n\nChannel 0: Understandable. Absolutely. And how much do you have sitting on the loan?\n\nChannel 1: years.\n\nChannel 0: Did you borrow the full amount of the vehicle or just the portion of it?\n\nChannel 1: Oh, stop it.\n\nChannel 0: Most of it? That's okay. How much do you have owing on it\n\nChannel 1: I've got no idea. Haven't looked\n\nChannel 0: still? No.\n\nChannel 1: at it recently.\n\nChannel 0: That's okay. I'll just note down essentially because you borrowed most of it. Are you comfortable if I just note down maybe the 400,000 being borrowed,\n\nChannel 1: Yeah.\n\nChannel 0: and we can kinda work from there for you?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. Excellent. And you also made mention there that you're wanting to buy a caravan. Is that something you're wanting to do with some of the funds within your super when you retire, or are you planning to save outside of super to be able to purchase the caravan?\n\nChannel 1: Well, we wanna on a day for most of it, but, yeah, we might need some out of our super, or we\n\nChannel 0: Yep.\n\nChannel 1: might take another loan.\n\nChannel 0: Yeah. No. That's okay. And then last absolutely. Do you know how much the caravan's expecting to cost?\n\nChannel 1: No. Because I think you've gone up quite a lot in the last few\n\nChannel 0: Yeah. Yep. And you're sort of after something you can take off road and enjoy with all the mod\n\nChannel 1: years. Yeah. Not we don't wanna go hugely off roading. We've got\n\nChannel 0: cons?\n\nChannel 1: yeah. Just\n\nChannel 0: Yep.\n\nChannel 1: mainly\n\nChannel 0: That's okay.\n\nChannel 1: mainly between caravan parks.\n\nChannel 0: Yeah. No. Understandable. And then having a bit of a look back at your goals recently over the last couple of years, something that yourself and John had sort of pointed out was that you was were sorta also hoping to use about 400,000 to buy a house out of your supers. Is that still something that you're both sort of looking to maybe do, or are you sort of not thinking that's the way to go?\n\nWhat's your thoughts with\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: We're\n\nChannel 0: goal?\n\nChannel 1: still thinking about doing that.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: That's okay. So with that one there because it said here that you were sort of hoping to essentially use about 400,000 between the two of you to purchase a home and then live off income out of super with the amount that are left over. In order to look at doing that, we would need to look at ways to be able to boost your super fairly considerably to get that up. Are you open to salary sacrificing or making additional contributions to super to kind of help provide that boost and get more money into super for the long term?\n\nChannel 1: Yes. I am going to look into that, but I'll have to it'll have to be after my car's paid off.\n\nChannel 0: Okay. So in six years' time.\n\nChannel 1: No. This car my flight,\n\nChannel 0: Oh,\n\nChannel 1: some\n\nChannel 0: your car.\n\nChannel 1: some yeah. Sometime next year after my car's paid off and my personal loan, which paid off November this year.\n\nChannel 0: Okay. Beautiful.\n\nChannel 1: And, yeah, I need to pay a chunk off my credit card too.\n\nChannel 0: No. Understandable. What I would look at doing for you, if you would like, is I could always update the advice to reflect maybe making additional contributions. We can\n\nChannel 1: Yes.\n\nChannel 0: look at providing that advice now if you decide to sort of hold off until next year to make those contributions. That's honestly fine and up to yourself. But it is just about providing the advice and showing you the benefits of those additional contributions, what it can look like over the next couple of years towards your retirement goals. It provides you with the advantages, the disadvantages, and the risks involved so you have all the information to be able to take forward and make that decision. Does that sound like something you'd be open to?\n\nChannel 1: Yes. But I can't I I can't afford to do it until next year.\n\nChannel 0: Okay. No. That's okay. If you like, what we can do is we can just maybe hold off the advice around the contribution aspect, and we can maybe touch base early next year and rediscuss that. Would that be more appropriate, more comfortable for you?\n\nChannel 1: Yeah. That would be good. John's already\n\nChannel 0: Okay.\n\nChannel 1: making John's making extra payments on his.\n\nChannel 0: Yep.\n\nChannel 1: But\n\nChannel 0: Beautiful.\n\nChannel 1: when his business is closed down properly, which hopefully will be and the issue beginning and the because he's not operating. We've got we've got money that we have to pay into my we'll be paying into my super account that the business owes me.\n\nChannel 0: Okay. Okay. So some additional funds coming in there.\n\nChannel 1: Yeah.\n\nChannel 0: And is that John's\n\nChannel 1: I think\n\nChannel 0: business\n\nChannel 1: it's the\n\nChannel 0: that's closing down? Or\n\nChannel 1: yeah. Yeah. I\n\nChannel 0: Yep.\n\nChannel 1: think it was about 20,000 or something that gotta pay me something like that. Between\n\nChannel 0: Yep.\n\nChannel 1: 10 and 20,000. I've gotta\n\nChannel 0: Yep.\n\nChannel 1: go in.\n\nChannel 0: No worries. No worries. Do you know roughly when that's expected to receive back in super?\n\nChannel 1: No. Because we're dealing with at the moment. They've got to reinstate a ABN number.\n\nChannel 0: Okay.\n\nChannel 1: And and then they've got to release the funds that we've got 60,000 in an account, but they've got to release it\n\nChannel 0: Yes. Okay. No worries. It sounds like you're going through a little bit there. It's a bit of a well, hopefully, that all gets sorted fairly soon there for you.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: I'll make a note that we can touch base on that again early next year. So maybe if we sit down and do a catch up in about six months' time, that brings us to about the March 1. We can reassess contributions, look at where you're at with that $20,000 deposit as well, and we can always factor into the advice how to make that $20,000 deposit into super to benefit you the most. Does that sound okay?\n\nChannel 1: Yep. That sounds good.\n\nChannel 0: Perfect. I'll say the March 1. Excellent. Fantastic. The other thing to sort of have a look at now, you kinda did mention last time that you were hoping to access Uber at around about age 67.\n\nChannel 1: Yes.\n\nChannel 0: The with you having that new loan, and you kinda mentioned you wanted to have the Ford Everest paid off prior to you retiring. Is that right?\n\nChannel 1: Yes. Yeah. Or\n\nChannel 0: Yep.\n\nChannel 1: at least\n\nChannel 0: Yep.\n\nChannel 1: nearly nearly paid off.\n\nChannel 0: Nearly paid off. That's okay. Because being that you're 62 years of age now, essentially, up to age 67 gives you five years away. So are you more likely to maybe work a little bit longer than age 67, or are you definitely wanting to stop work at 67? That's kind of a not, you know, not something you wanna change?\n\nChannel 1: I'm I'll probably end up working a bit longer.\n\nChannel 0: Working a bit longer. Yep. That's okay. Perfect. Excellent.\n\nWhat I wanted to do as well is just run through a quick risk profile questionnaire just to kinda gauge where you're sitting because you are in more of a growth kind of portfolio. You you are sort of seeing about 80% of your super in those growth assets. So I think things like Australian shares, international shares, property, and then some, you know, gold and silver and commodities and precious metals in there as well. So in\n\nChannel 1: Yes.\n\nChannel 0: that kind of environment, it does suit someone who has at least six years before accessing their super. Realistically, with that 80% invested in those growth assets, you are sort of hoping to obtain around about a seven to 9% on a yearly basis, but we understand the likelihood of a negative return is expected kind of one in every five years as well. So that's sort of why when you are about sort of five to six years from accessing your super that we wanna start looking at trying to reduce the risk level a little bit for you to kind of start protecting\n\nChannel 1: Yes.\n\nChannel 0: your capital there. But it also comes down to are you more likely to actually retire at 67, or are you, you know, happy to work a little bit longer? So if we sort of got close to, you know, age 65 or 66 and we saw a bit of a market dip and things weren't really, performing as well, are you open to working to age 67, 68, 69, 70 to kind of allow your portfolio to come back, or are you more, you know, ready to retire, you've had enough, and you really wanna stop working? How do you think you might sort of act in that scenario?\n\nChannel 1: I'm probably probably not going to retire before '68. You know?\n\nChannel 0: Yep. Not before 06/08. Yep. That's okay. Perfect.\n\nThe other sort of question I have here is thinking about your super and the type of risk level that you are taking, do you consider yourself comfortable taking on a higher level of risk in the market to try and get greater potential returns? Are you maybe comfortable taking a moderate or medium amount of risk to get the best returns possible, or are you not very comfortable taking risk in the market and knowing the returns are lower because of that? Where do you think you sort of fit there?\n\nChannel 1: I probably prefer the high at the moment.\n\nChannel 0: You would? Yep. That's okay. Comfortable taking on a higher level of risk to get greater potential returns even though you are aware there is a downside\n\nChannel 1: Yeah.\n\nChannel 0: as well. Does that sound okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Beautiful. Another fun one for you. If you saw the mark fall by 20% in the next one to two years, how do you think you might react? Do you think you'd be wanting to put more money into the super, make take advantage of the downtime?\n\nAre you a bit concerned and maybe holding and waiting and calling us to see what we think you should do? Or are you feeling really concerned and wanting to maybe sell your investments to cash? How do you think you might react?\n\nChannel 1: I'll probably give you a call.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Excellent. Excellent. The next one here is have you ever seen your super fall in value in the past? So thinking about market dips because we understand they do happen. And over the next, you know, five, six to ten years, there is going to be some sort of a market dip.\n\nWe know that that is a possibility. How do you think you might feel if you saw your super falling value? Are you feeling optimistic about the investment opportunity? Money you wanted to put some money into the market? Are you cautious, concerned, or feeling anxious?\n\nHow do you think you might be feeling?\n\nChannel 1: I'm aware that the market does dip and\n\nChannel 0: Yeah.\n\nChannel 1: rise. Yeah.\n\nChannel 0: Yep. That's\n\nChannel 1: Yeah.\n\nChannel 0: okay.\n\nChannel 1: So no. I'm I'm not not worried about it.\n\nChannel 0: No. That's okay. Is it it sounds like you're you're not sort of really concerned or anxious. Do you think you'd be maybe just cautious or optimistic? Where do you think you fit on that scale?\n\nChannel 1: Pretty much optimistic.\n\nChannel 0: Optimistic? I love it. And the last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds, or would you only ever wanna borrow for, say, property?\n\nChannel 1: The property is not all that safe.\n\nChannel 0: Nothing is unfortunate. There's no such thing as a safe investment. They're all\n\nChannel 1: Yeah.\n\nChannel 0: going up and down. Yeah.\n\nChannel 1: Yeah. I have invested in shares before, but\n\nChannel 0: You have? Yep.\n\nChannel 1: but we have I didn't take out a loan. That was just money that\n\nChannel 0: Your money?\n\nChannel 1: well, actually, it was\n\nChannel 0: Yeah.\n\nChannel 1: my previous husband and I, we had oh, what was it? It was the the mortgage where you paid all your money into the the mortgage and then you paid off you had spent everything on a credit card, and you paid off the credit card at the end of the month. So we\n\nChannel 0: Yeah.\n\nChannel 1: actually\n\nChannel 0: Right.\n\nChannel 1: paid it's a home loan. So we paid our we actually paid our home loan down quite a lot, and we used the equity in the home loan to to buy shares.\n\nChannel 0: Yep. Okay. Yeah. Perfect. So it's a different sort of way of borrowing to invest.\n\nYeah. Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Beautiful. How did you find that when you did it? Was it something you would ever do again, or you were quite happy doing it back then and never again? How did you find\n\nChannel 1: I'm quite happy to do it again. However, I don't know that\n\nChannel 0: it?\n\nChannel 1: John is quite happy. Yeah. But we haven't got a home loan anyway at the moment. So\n\nChannel 0: No. No. That's okay. And when you because one of your goals is to be able to draw money out of both of your supers to purchase a property down the track. Would that be your main primary residence, or would you be sort of focusing on borrowing to, in like, to rent the property out?\n\nChannel 1: Well, we want to buy a house to live in,\n\nChannel 0: Yep.\n\nChannel 1: but we might buy it earlier so that we rent it out for a while before we can\n\nChannel 0: Yep.\n\nChannel 1: live in it.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Absolutely. Perfect. Excellent. Well, thank you for that. Now you have scored in that kinda growth environment, that range, and that's where you're sitting at the moment with that 80% and those growth assets.\n\nWe always like to make sure you do have some lower risk defensive investments in your portfolio. And in a growth environment, you'd expect about 20% invested in cash, bonds, and fixed interest. So it's about having a mix of high risk investments to get growth, but also some lower risk investments for defensiveness. So when, you know, the shares or the market might be a bit volatile, some of those lower risk defensive investments should be income producing and fairly steady to help even out market returns over the longer term there.\n\nChannel 1: Yes.\n\nChannel 0: Are you fairly comfortable staying in that for a few more months and we maybe reevaluate that in six months' time, or would you like to start reducing your risk level now?\n\nChannel 1: No.\n\nChannel 0: How\n\nChannel 1: I'm\n\nChannel 0: do\n\nChannel 1: quite\n\nChannel 0: you feel?\n\nChannel 1: I'm quite happy to stay as it is.\n\nChannel 0: Yep. Beautiful. Beautiful. Well, what we'll do is I'll put a little marker aside that will touch base in March. We'll do a bit of a six month review with how things are tracking within your super, look at making additional contributions, and look at what we can do moving forward, and maybe update the advice to reflect everything then.\n\nHow does that sound?\n\nChannel 1: Yep. That\n\nChannel 0: Yep.\n\nChannel 1: sounds\n\nChannel 0: Beautiful. Excellent. Now the only other thing to kinda look at with regard to those documents that we were looking at before is you don't have any personal insurances,\n\nChannel 1: good.\n\nChannel 0: the life TBD, income protection, protection trauma, essentially, given not having any of those. Are you happy not having any personal insurances? Did you wanna sort of talk about what they are, how they can provide benefit, or are you just comfortable in trying to boost your super for retirement? What's your thoughts there?\n\nChannel 1: We have we have some life insurance.\n\nChannel 0: Okay.\n\nChannel 1: Private life insurance. Yeah.\n\nChannel 0: Yep. That's okay.\n\nChannel 1: It's\n\nChannel 0: And is that just paid\n\nChannel 1: good.\n\nChannel 0: out of your back pocket?\n\nChannel 1: Yeah. We pay for that. Yeah.\n\nChannel 0: Yep. That's okay. Beautiful. Life insurance paid personally. Beautiful.\n\nHow much are you covered for with life cover?\n\nChannel 1: It just changed it. We changed to golden. I'm covered for more than Johnny. I have to work this summer.\n\nChannel 0: You've made it feel worse more.\n\nChannel 1: Well, that's because he smokes.\n\nChannel 0: Alright.\n\nChannel 1: His\n\nChannel 0: The smoke\n\nChannel 1: his\n\nChannel 0: is\n\nChannel 1: payment\n\nChannel 0: right. Yep.\n\nChannel 1: his payment is still fine. That's fine.\n\nChannel 0: Mhmm. Yes. Smoke is right. Yes. That makes it very expensive.\n\nWhen he stopped for twelve months, they might be willing to review that for him.\n\nChannel 1: Yeah. They might. But we can we we can't stop in the starting place.\n\nChannel 0: Yeah. Oh, good on him for stopping. That's fantastic. It's not easy.\n\nChannel 1: What is this? Let's 150,000 is mine.\n\nChannel 0: Beautiful. So a 150,000 there. Excellent. And who's the insurer of the policy? Who's it insured with?\n\nChannel 1: Golden.\n\nChannel 0: I'm so sorry. Can you repeat that for me?\n\nChannel 1: Golden Wealth Insurance.\n\nChannel 0: Golden Life Insurance.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect.\n\nChannel 1: I mean, if they have to ring it up.\n\nChannel 0: Yeah. And\n\nChannel 1: When\n\nChannel 0: you\n\nChannel 1: we\n\nChannel 0: just\n\nChannel 1: were\n\nChannel 0: pay the pre sorry.\n\nChannel 1: yeah. We just transferring in porting out here.\n\nChannel 0: Fortnightly. Yep. That's okay. And are you happy just keeping that aside and kind of altering it as you need to? Did you want us to look at maybe adding a third party authority to help you kinda look after the policy?\n\nOr\n\nChannel 1: Just for now, I'm happy to keep it, but\n\nChannel 0: yep.\n\nChannel 1: might just bust it again next year. We've\n\nChannel 0: Yeah.\n\nChannel 1: only\n\nChannel 0: Absolutely.\n\nChannel 1: it's it's only a couple of months since we changed it. So\n\nChannel 0: Yeah. Absolutely. That's not a problem at all. Beautiful. Excellent.\n\nThe other thing this will look at is the beneficiary side of things. So I'm just having a quick look at your super to have the beneficiaries. Now just kind of reaffirming, have you guys spoken about doing up a will, power of attorney documents, estate planning, or seeking the services of a solicitor to draw off any of those documents?\n\nChannel 1: We are discussing doing a will, and we keep we keep saying we've got to do it, but we haven't got around to it. Yeah. We did have beneficiary paperwork sent out to us, but we haven't filled it up. And I'm not even sure where it is at the moment.\n\nChannel 0: No. That's okay. Would you like us to resend the documents to you,\n\nChannel 1: Yes.\n\nChannel 0: and\n\nChannel 1: This\n\nChannel 0: would\n\nChannel 1: is\n\nChannel 0: you\n\nChannel 1: just\n\nChannel 0: like\n\nChannel 1: right.\n\nChannel 0: me to help by preselling them for you as well?\n\nChannel 1: Yes. Yeah. That\n\nChannel 0: Yep.\n\nChannel 1: would be correct. Yeah.\n\nChannel 0: Fantastic. Not a problem. So, yeah, I can see there's no beneficiary noted on file here. So if in the event that something was to happen to you, where would you like your super directed to?\n\nChannel 1: John.\n\nChannel 0: John? Beautiful. And we do have all John's details here. Are you happy\n\nChannel 1: Yep.\n\nChannel 0: for us to prefill the document with his information for you to make it easier? Yep. Beautiful. I will just double check that I have everything correctly. What's his date of birth just to confirm?\n\nChannel 1: 02/16/1967.\n\nChannel 0: 1967. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Thank you for that. You're 70.\n\nChannel 1: Is it is it noted on there that we're married now?\n\nChannel 0: No. But I will update that. Congratulations. When did you get married?\n\nChannel 1: Yes. 2024. So it's just over two and a half years roundabout.\n\nChannel 0: Wow. Well,\n\nChannel 1: Yes.\n\nChannel 0: congratulations. That's fantastic.\n\nChannel 1: Yes. That was January. January\n\nChannel 0: Yep.\n\nChannel 1: 2024.\n\nChannel 0: Beautiful. I'll make an update there. So married. Excellent. Now is your surname remaining the same under Patterson?\n\nChannel 1: Yes.\n\nChannel 0: Did you need to update any of those details?\n\nChannel 1: No. I haven't changed it.\n\nChannel 0: No. That's okay.\n\nChannel 1: Too complicated at work to change it because I probably change all my passwords and everything.\n\nChannel 0: Yeah. No. Understandable. Not a problem at all. So I'll make a note here that we'll get the beneficiaries prefilled for you and sent out.\n\nNow just to kinda go through a couple of details, there are some additional things to think about when you are nominating a beneficiary, and one of those is essentially what kind of beneficiary you want nominated. They have three different kinds. They have nonbinding, which means that you can tell the trustee what you want, but, ultimately, they make the call and can decide which way they're gonna go with the the benefit payout. You\n\nChannel 1: Yes.\n\nChannel 0: also have a binding lapsing, which makes the trustee follow your direction, but you have to update the form every three years, or they have a binding non lapsing, which means we can fill it out now, have it on file or on file with the super funds. It is binding the trustee to follow your direction, and you don't have to refill the format unless you wanna alter your nomination. Do you know which way you would be comfortable going?\n\nChannel 1: Yeah. The binding non matching.\n\nChannel 0: Yeah. We'll fill it out once and make it easier. I like it.\n\nChannel 1: Yes.\n\nChannel 0: Fantastic. And I'll make a note here that you are discussing doing up your power of attorney and will and everything as well. Okay?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Having that done. Beautiful. Other than that, I just need to run through and update some additional details with your assets and liabilities on file. Now\n\nChannel 1: Yes.\n\nChannel 0: we had it noted here. I've got your Ford Everest there, which is fantastic.\n\nChannel 1: Yes.\n\nChannel 0: I also had last time a Subaru CXU. Is that your vehicle that you're currently paying a loan\n\nChannel 1: Yes.\n\nChannel 0: off?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Beautiful. I'm just gonna note that over here as well. And you said that's due to be fully paid off around November. Is that right?\n\nChannel 1: No. That's February\n\nChannel 0: February next year. Beautiful. Excellent. And, roughly, what kind of\n\nChannel 1: next\n\nChannel 0: value would you put on that Subaru CXU at\n\nChannel 1: year.\n\nChannel 0: the moment?\n\nChannel 1: Oh god. I've got no ID.\n\nChannel 0: If you had\n\nChannel 1: Not\n\nChannel 0: to sell the asset, what would you want for it?\n\nChannel 1: I don't know. I haven't really looked at it because I'm not planning on selling it.\n\nChannel 0: That's okay. I can quickly\n\nChannel 1: No. We\n\nChannel 0: pull\n\nChannel 1: I I know I paid\n\nChannel 0: up\n\nChannel 1: 48,000 for\n\nChannel 0: some\n\nChannel 1: it, but I can't I don't know what it's worth now.\n\nChannel 0: no. That's okay. So having a look here at the moment, it's sort of saying average valuation Around about 20 to 22,000 currently.\n\nChannel 1: Yeah. I was we're getting maybe 30, but, yeah, $20.22.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: That's okay. Did you want me to put 30 down? It's whatever value it is to you that's important.\n\nChannel 1: Because that one, we tend to get more customers.\n\nChannel 0: No. Absolutely. I'll note down that as 30. Not a problem. And do you know how much you still have on the loan that will be paid off?\n\nChannel 1: No. I don't.\n\nChannel 0: No. That's okay. Not a problem at all. The other thing I had down here was your rent. You were paying about $680 per week last year.\n\nHas your rent gone up or down or altered in any way?\n\nChannel 1: No. It hasn't changed. We signed a new lease at the same length. So\n\nChannel 0: Beautiful. Fantastic. And I've also got a personal loan down here, and the amount you had owing on that was around about 6,437 last year. Has that reduced\n\nChannel 1: The personal\n\nChannel 0: a little bit?\n\nChannel 1: line? I'm not\n\nChannel 0: Yeah.\n\nChannel 1: no. It's under 1,000. Just let me get in here, and I'll have a look.\n\nChannel 0: That's that's okay. You're fine.\n\nChannel 1: What does it say here? 995.\n\nChannel 0: Oh, beautiful. Fantastic.\n\nChannel 1: Yeah. That's the one that's due. It's been paid off shortly.\n\nChannel 0: In November. Beautiful. I had also contents down here. So an estimated value of contents at about 100,000. Would you keep your contents valued\n\nChannel 1: Yep.\n\nChannel 0: at about\n\nChannel 1: Yep.\n\nChannel 0: 100\n\nChannel 1: Yep.\n\nChannel 0: thousand? Yep. Beautiful. And then I also had noted down here a credit card. We had a limit of 8,000 and owing about 7,000 at the time.\n\nChannel 1: Yeah. That's still that's fine.\n\nChannel 0: About the same? Beautiful. Thank you for updating that. Is there any other assets or liabilities or anything else you would think we should note down here at all?\n\nChannel 1: No. Not for me.\n\nChannel 0: Nope. That's okay. Beautiful.\n\nChannel 1: Well,\n\nChannel 0: Thank you so\n\nChannel 1: I've\n\nChannel 0: Bye\n\nChannel 1: half of the half of the Everest is the Everest is in joint name. So\n\nChannel 0: bye. In joint names. Okay.\n\nChannel 1: yeah.\n\nChannel 0: The orange 50 percentage.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. Thank you so much for that. Really appreciate it. Excellent.\n\nSo we've pretty much covered off most things. Your super is working quite well. The obviously, the return is a bit lower than expected this year, but there has been some adjustments made to the portfolio. So we'll just kinda keep monitoring that. You're fairly comfortable remaining in that growth kind of environment for another few months.\n\nWe'll reassess things in March and also consider additional contributions\n\nChannel 1: Yep.\n\nChannel 0: and further goals there. You've kind of made note to me that you're more realistically wanting to retire at age 67, but happy to keep working longer and probably will work a little bit longer as well. And I'm back last year, we also had it noted that in retirement, you were looking to live off about a thousand dollars combined, so roughly 500 per week from each of your supers. Does that still sound fairly accurate?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Because we won't be living in Darwin. Darwin, we couldn't do that.\n\nChannel 0: No. That's\n\nChannel 1: Because we\n\nChannel 0: okay.\n\nChannel 1: can't live up here.\n\nChannel 0: Yeah. I mean, you'll be retired. You can live wherever you want.\n\nChannel 1: Oh, no. We're going back to South Australia.\n\nChannel 0: Going back to South Australia. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. I had a notice of a while ago that one of your medium term goals with the caravan was you were expecting to pay around about 60,000 for that. Does that sound fairly accurate? Do you think that might cost a bit more when you get to purchasing the\n\nChannel 1: Right now, we can get a decent secondhand\n\nChannel 0: caravan?\n\nChannel 1: one for about 60,000.\n\nChannel 0: Yep.\n\nChannel 1: New ones, we had a look at them last week. We went into Jayco and had a look. Anything\n\nChannel 0: Yeah.\n\nChannel 1: from probably 80 to 100 and over 100,000, which we're not looking at.\n\nChannel 0: Okay.\n\nChannel 1: So, yeah, about about 60 at the moment. Yeah.\n\nChannel 0: Yep. Beautiful. Lovely. I've got down here that with insurance wise, you're not looking at getting any new insurances. You're happy with the life cover you have paid out of pocket or paid personally.\n\nChannel 1: Yeah.\n\nChannel 0: Is that sound right? Is that anything else there that you think I've missed or wanted to kinda touch on? Or\n\nChannel 1: No. That that\n\nChannel 0: no.\n\nChannel 1: was pretty much with\n\nChannel 0: Excellent.\n\nChannel 1: we might talk\n\nChannel 0: Weird.\n\nChannel 1: about our life insurance when when we talked to you in March.\n\nChannel 0: Yeah. Absolutely. And if you wanted to, I could make it a joint conversation with yourself and John so we can kind of look at doing things jointly. That way, we kind of get an idea of where you're heading together.\n\nChannel 1: But\n\nChannel 0: It's a personal\n\nChannel 1: yep.\n\nChannel 0: opinion. You don't have to do things jointly, but that's always an option if the two of you would like. I'm more than\n\nChannel 1: Yeah.\n\nChannel 0: happy\n\nChannel 1: Yeah.\n\nChannel 0: to set\n\nChannel 1: We're\n\nChannel 0: that\n\nChannel 1: we're\n\nChannel 0: up for\n\nChannel 1: quite\n\nChannel 0: you.\n\nChannel 1: happy we're quite happy\n\nChannel 0: Yeah.\n\nChannel 1: to do it, didn't we? But right\n\nChannel 0: Beautiful.\n\nChannel 1: now, I can't tell you when we're off together. So\n\nChannel 0: No. That's okay. That's completely understandable. The only other documents we have in there for you are the financial services guide, which outlines everything about who we are, what we do, how we do it. It also notes our fee structure.\n\nSo, obviously, you're an\n\nChannel 1: yes.\n\nChannel 0: ongoing service client, so it does mean you pay a fee for our services, trust looking after your super, making changes, and working towards your goals, and providing additional advice there. The ongoing service fee has been 1.65 percent ongoing for the last few years. Currently not changing at all, but moving forward, we're gonna have more of a tiered structure. So when your super balance hits over 200,000, you'll essentially move into the next tier, and any and the\n\nChannel 1: Yep.\n\nChannel 0: fee will drop to 1.375, essentially. So\n\nChannel 1: Okay.\n\nChannel 0: moving forward to be more of a tiered structure, the idea is we wanna make sure your balance is increasing and meeting your goals, but also making sure that we're able to be paid for our services. The cost of advice and everything around business has gone up. This is the cost of living has gone up for everybody,\n\nChannel 1: Yep.\n\nChannel 0: so we need to make sure that our ongoing service fee is more in line with that. And our ongoing service fee, the documents have always outlined an approximate fee. Moving forward, our fee will be much more stipulated. So, essentially, we'll work out how much you will pay for that year. It'll be set as a set a fixed dollar figure amount, and you won't pay more than what we state in the ongoing service agreement.\n\nSo it'll also\n\nChannel 1: Okay.\n\nChannel 0: give you a lot more structure around the expectation there. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent. So the last document is the ongoing service agreement there. Because your balance is under that 200,000 still, it's still the 1.65%. So no\n\nChannel 1: Yep.\n\nChannel 0: additional changes there. It's just noted as a fixed dollar. So we know for this year, the total fee payable to us will be $2,342.22. That is\n\nChannel 1: Yep.\n\nChannel 0: the total for the full year, and it will be deducted in smaller monthly increments out of your super. That way, you sort of understand. I just wanna make sure that, you know, moving forward, I can do the catch up with you in March so we can make sure we're providing that advice and moving forward and helping you along. Because you are getting closer to retirement, it's really important to me that you're able to reach your goals and be able to access your super to do the things you want. The only\n\nChannel 1: Yep.\n\nChannel 0: goal that I am sort of concerned might be very hard to achieve is the utilizing your super to purchase a home. That\n\nChannel 1: Yes.\n\nChannel 0: could decrease your super very heavily, but I'd like to reassess that goal jointly with you both if you're comfortable to do that. Okay?\n\nChannel 1: Yep. Yeah. Yep.\n\nChannel 0: Yep. Beautiful. I've got everything sort of sorted here. So once you've kinda gone through those documents, if you're comfortable to, we'll ask you to sign and return those back there for us just so we can keep providing our services and looking after everything. Did you have any other questions or anything I haven't touched on that might have been important to you there, Rosalie?\n\nChannel 1: No. I don't think\n\nChannel 0: No.\n\nChannel 1: so.\n\nChannel 0: No.\n\nChannel 1: So\n\nChannel 0: That's\n\nChannel 1: if\n\nChannel 0: okay.\n\nChannel 1: yeah. I click the click\n\nChannel 0: Yeah.\n\nChannel 1: to start thing on the bottom here. Is that what I'm doing?\n\nChannel 0: That's correct. Yeah. And it should just take you through so you can click on the button to press the sign, and it should prepopulate your signature for you to make it easier.\n\nChannel 1: I didn't do that.\n\nChannel 0: What's it doing for you?\n\nChannel 1: It's just brought up member's full name signature and date. It hasn't brought up her. It says the next. I can't, but I've gotta fill this out before I click next, don't I?\n\nChannel 0: Yeah. You do. So if you click on the button that says name or signature, it should allow you to prepopulate it. It should come up with a little\n\nChannel 1: Oh, here we go. Time\n\nChannel 0: sign.\n\nChannel 1: to leave. That'll do.\n\nChannel 0: Yep.\n\nChannel 1: Yep. It's not populating my name. Oh, maybe\n\nChannel 0: If\n\nChannel 1: it\n\nChannel 0: you click\n\nChannel 1: had.\n\nChannel 0: on it is it doing anything if you click on it?\n\nChannel 1: I did well, it's got an extra r in it. Can I change that?\n\nChannel 0: I\n\nChannel 1: Yeah.\n\nChannel 0: don't\n\nChannel 1: I'm sorry.\n\nChannel 0: think so. I'm so sorry.\n\nChannel 1: Right. So now now it says the right thing.\n\nChannel 0: Okay. Perfect.\n\nChannel 1: Date. What is the date? It's the first, isn't\n\nChannel 0: It's\n\nChannel 1: it?\n\nChannel 0: the September 1. Yeah. It's crazy. The year is flying by.\n\nChannel 1: I want September 2026. Alright. I think that should be things that were in there.\n\nChannel 0: That's okay. And then if you press next or finish at the very bottom, it should allow you to come back through.\n\nChannel 1: What's this phone check phone number?\n\nChannel 0: Oh, yeah. That's just letting you know that we do hold your tax phone number. So just basically the privacy around doing so and just making sure that you're comfortable with us doing that\n\nChannel 1: Is that coding? Sorry. Bringing it up.\n\nChannel 0: still.\n\nChannel 1: I can't read\n\nChannel 0: No.\n\nChannel 1: it.\n\nChannel 0: That's that's okay. You're fine.\n\nChannel 1: Date signed. Yep. That's done that.\n\nChannel 0: Perfect. And then is there a button that says next or finished? Or\n\nChannel 1: It's validate. I just hit that.\n\nChannel 0: Yep. Oh, excellent.\n\nChannel 1: This is loading.\n\nChannel 0: Yeah. That's that's okay. My systems have been a little bit slow today too. I think it's the September 1 blues. The computers are all aware of it.\n\nChannel 1: Yep.\n\nChannel 0: Here we go. Are you getting some time off over Christmas in the next few months, or do you have to work all the way through with your job?\n\nChannel 1: This is I haven't got any leave. I've got leave in November. I've just changed it. So I only got I've got well, it works out to be a block a block off, which is two weeks.\n\nChannel 0: Yeah. Okay. Beautiful. And have you got a pay rise at all? Had you down about 90,000 last year.\n\nHave you managed to get a pay rise in San at all?\n\nChannel 1: Yeah. We got a pay rise.\n\nChannel 0: Beautiful.\n\nChannel 1: My salary is 70 I think it went up to 79 something.\n\nChannel 0: Yep. And\n\nChannel 1: Is\n\nChannel 0: you\n\nChannel 1: that\n\nChannel 0: do quite\n\nChannel 1: that\n\nChannel 0: a bit of overtime\n\nChannel 1: that's about\n\nChannel 0: penalties.\n\nChannel 1: yeah. That's\n\nChannel 0: Yeah.\n\nChannel 1: about 10 or two. Yeah. I think I earned over\n\nChannel 0: Yes.\n\nChannel 1: a $100.\n\nChannel 0: Yeah. Excellent.\n\nChannel 1: Financial\n\nChannel 0: And the\n\nChannel 1: you\n\nChannel 0: last\n\nChannel 1: I\n\nChannel 0: sorry.\n\nChannel 1: haven't\n\nChannel 0: You're right.\n\nChannel 1: Sorry. Angus is barking. I don't know what he's barking at. Someone probably moved some streets away.\n\nChannel 0: Yeah. No.\n\nChannel 1: Where's\n\nChannel 0: That's\n\nChannel 1: my\n\nChannel 0: all good.\n\nChannel 1: where's my tech\n\nChannel 0: And that email has just come through to me there as well, Rosalie. Thank you so much for that.\n\nChannel 1: return? So my taxable income according to my tax return, which I haven't got the official one back from the government.\n\nChannel 0: Yeah.\n\nChannel 1: Taxable income last year was 106,000.\n\nChannel 0: Oh, fantastic. That's excellent. And then lastly, when we caught up, you were hoping the pay rises on the the forefront, but hadn't really had any confirmation yet. That's really\n\nChannel 1: We got\n\nChannel 0: good.\n\nChannel 1: yeah. We got a pay rise last year and a a pay rise for the next three years was what got signed off on. So we just had\n\nChannel 0: Mhmm.\n\nChannel 1: our second one.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: We just had the second one. Just took it up to 79 plus. Plus penalties. I haven't seen what the penalties went up by yet. That's next pay sheet.\n\nChannel 0: No. Well, that is fantastic. Well, look. Thank you so much. So that the email has come through.\n\nThat's all signed. What we'll do is\n\nChannel 1: Yep.\n\nChannel 0: I'll hold everything for the moment as it is. I'll just keep monitoring things moving forward, and then I'll have a little task. My team will touch base probably end of February to book you in in around about March, and we'll probably see if John wants to be included in that. And we can maybe do a a bit of a conversation around\n\nChannel 1: That\n\nChannel 0: how we boost sleep and what we do goals wise for the both of you. How does that sound?\n\nChannel 1: sounds good. Is John\n\nChannel 0: Beautiful.\n\nChannel 1: due for his twelve monthly review or not?\n\nChannel 0: Not yet. I will double check when for you.\n\nChannel 1: Because he was asking, but I have a feeling he did it earlier on.\n\nChannel 0: Okay. What I'll do is I'll go back and double check. Is that\n\nChannel 1: He's in bed at the moment, so he's\n\nChannel 0: is\n\nChannel 1: working\n\nChannel 0: he not\n\nChannel 1: tonight.\n\nChannel 0: feeling well or just sleeping?\n\nChannel 1: No. He's he's working tonight.\n\nChannel 0: Oh, okay. Yeah. That's absolutely fine. It's not coming up for me. I will go back and double check, and I might just get the team to touch base anyway with him.\n\nWe'll book in his annual review in the next few weeks. That way, we can kinda get everything on track and kind of align everything for the two of you a little bit better. How does that sound?\n\nChannel 1: That sounds good.\n\nChannel 0: Yeah. Beautiful.\n\nChannel 1: Yeah. You won't be able to leave him a voice mail, though, because he hasn't set it up properly yet.\n\nChannel 0: That's okay. We'll send text messages and emails as well. No\n\nChannel 1: Yeah.\n\nChannel 0: need to worry. We'll make sure we get\n\nChannel 1: Yeah.\n\nChannel 0: a hold of him. But,\n\nChannel 1: Yeah.\n\nChannel 0: honestly,\n\nChannel 1: It just\n\nChannel 0: thank\n\nChannel 1: comes\n\nChannel 0: you\n\nChannel 1: up when his voice mail is full. So\n\nChannel 0: that's okay. Well, thank you so much for your time today, Rosalie. I'll let you go to enjoy your day, and I'll touch base with you in about March. And we'll see how things are going then and update the advice to the both of you. Okay.\n\nChannel 1: Okay then. Yep. Thank you very much.\n\nChannel 0: My pleasure. You enjoy your day.\n\nChannel 1: Yeah. I've got that work it up by three.\n\nChannel 0: Oh, wow. Well, you enjoy your afternoon. Don't work too hard, and I hope you have a lovely weekend ahead.\n\nChannel 1: Yep. Thank you. You have\n\nChannel 0: My\n\nChannel 1: enjoy\n\nChannel 0: pleasure.\n\nChannel 1: your\n\nChannel 0: Talk\n\nChannel 1: weekend. Thank you.\n\nChannel 0: thank you, Lar thanks, Leslie. See you later. Bye.\n\nChannel 1: Thank you. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.03681638464331627}],"sentiment":"neutral","sentiment_score":0.03681638464331627,"channel":1,"num_words":1,"start":1.1999999,"end":1.6999999},{"sentences":[{"text":"Hi, Rosalie.","start":2.3999999,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.15428780019283295},{"text":"This is Dana from Oakview Financial.","start":3.1999998,"end":4.8199997,"sentiment":"neutral","sentiment_score":0.20756249378124872},{"text":"How are you this afternoon?","start":4.88,"end":6.1,"sentiment":"neutral","sentiment_score":0.27595023810863495}],"sentiment":"neutral","sentiment_score":0.22566936566279486,"channel":0,"num_words":13,"start":2.3999999,"end":6.1},{"sentences":[{"text":"I'm good.","start":6.3199997,"end":6.8799996,"sentiment":"positive","sentiment_score":0.5611857175827026},{"text":"Thanks.","start":6.8799996,"end":7.12,"sentiment":"positive","sentiment_score":0.6128108501434326},{"text":"How are you?","start":7.12,"end":7.94,"sentiment":"positive","sentiment_score":0.3839433193206787}],"sentiment":"positive","sentiment_score":0.4811687072118123,"channel":1,"num_words":6,"start":6.3199997,"end":7.94},{"sentences":[{"text":"I am very well.","start":8.08,"end":9.04,"sentiment":"positive","sentiment_score":0.5722510069608688},{"text":"Thank you.","start":9.04,"end":9.44,"sentiment":"positive","sentiment_score":0.6334666311740875},{"text":"I had you booked in to go through a bit of an annual review this afternoon.","start":9.44,"end":12.32,"sentiment":"neutral","sentiment_score":0.2734585711732507},{"text":"Is now still a good time there for you?","start":12.32,"end":14.259999,"sentiment":"neutral","sentiment_score":0.2425960749387741}],"sentiment":"neutral","sentiment_score":0.3262786807552461,"channel":0,"num_words":31,"start":8.08,"end":14.259999},{"sentences":[{"text":"Yes.","start":14.32,"end":14.685,"sentiment":"neutral","sentiment_score":0.1611068993806839},{"text":"Yeah.","start":14.845,"end":15.345,"sentiment":"neutral","sentiment_score":0.279361754655838}],"sentiment":"neutral","sentiment_score":0.22023432701826096,"channel":1,"num_words":2,"start":14.32,"end":15.345},{"sentences":[{"text":"Fantastic.","start":15.844999,"end":16.345,"sentiment":"positive","sentiment_score":0.5553363561630249},{"text":"Before I jump into the call, I do need to let you know we do record our calls for quality and training purposes.","start":16.725,"end":21.125,"sentiment":"neutral","sentiment_score":0.18837340046530185},{"text":"Are you happy for me to proceed with that?","start":21.125,"end":23.305,"sentiment":"neutral","sentiment_score":0.2249398430188497}],"sentiment":"neutral","sentiment_score":0.2094661561828671,"channel":0,"num_words":33,"start":15.844999,"end":23.305},{"sentences":[{"text":"Yes.","start":23.405,"end":23.905,"sentiment":"neutral","sentiment_score":0.2057601809501648}],"sentiment":"neutral","sentiment_score":0.2057601809501648,"channel":1,"num_words":1,"start":23.405,"end":23.905},{"sentences":[{"text":"Fantastic.","start":24.805,"end":25.305,"sentiment":"positive","sentiment_score":0.4569864273071289},{"text":"And just to do a quick security check there with you as well, we are discussing your personal information.","start":25.365,"end":29.42,"sentiment":"neutral","sentiment_score":0.225437614478563},{"text":"So I'll just get you to confirm your full name, your date of birth, and address I should have on file.","start":29.42,"end":33.52,"sentiment":"neutral","sentiment_score":0.17042500703107744}],"sentiment":"neutral","sentiment_score":0.20290795731835248,"channel":0,"num_words":41,"start":24.805,"end":33.52},{"sentences":[{"text":"Yep.","start":34.06,"end":34.46,"sentiment":"neutral","sentiment_score":0.04319556802511215},{"text":"Rosalie Dawn Patterson, July 10","start":34.46,"end":36.86,"sentiment":"neutral","sentiment_score":0.030706759169697763}],"sentiment":"neutral","sentiment_score":0.03278822731226683,"channel":1,"num_words":6,"start":34.06,"end":36.86},{"sentences":[{"text":"K.","start":36.54,"end":37.04,"sentiment":"neutral","sentiment_score":0.032885752618312836}],"sentiment":"neutral","sentiment_score":0.032885752618312836,"channel":0,"num_words":1,"start":36.54,"end":37.04},{"sentences":[{"text":"1964.","start":36.86,"end":38.24,"sentiment":"neutral","sentiment_score":0.03013295866549015},{"text":"20 Richards Crescent Rosebery.","start":39.02,"end":40.96,"sentiment":"neutral","sentiment_score":0.028178621083498}],"sentiment":"neutral","sentiment_score":0.02856948859989643,"channel":1,"num_words":5,"start":36.86,"end":40.96},{"sentences":[{"text":"Beautiful.","start":41.695,"end":42.015,"sentiment":"positive","sentiment_score":0.5203117728233337},{"text":"Thank you so much for that.","start":42.015,"end":43.215,"sentiment":"positive","sentiment_score":0.6541221638520559},{"text":"And, Rosalie, you just had a birthday.","start":43.215,"end":44.895,"sentiment":"positive","sentiment_score":0.4067562094756535},{"text":"Happy birthday for July.","start":44.895,"end":46.595,"sentiment":"positive","sentiment_score":0.45782551914453506}],"sentiment":"positive","sentiment_score":0.5068689054912991,"channel":0,"num_words":18,"start":41.695,"end":46.595},{"sentences":[{"text":"Thank you.","start":47.175,"end":47.995,"sentiment":"positive","sentiment_score":0.46147073805332184},{"text":"You shush.","start":48.535,"end":49.195,"sentiment":"neutral","sentiment_score":0.23807036876678467}],"sentiment":"positive","sentiment_score":0.34977055341005325,"channel":1,"num_words":4,"start":47.175,"end":49.195},{"sentences":[{"text":"Did you do did you do anything fun, go out for dinner, or anything nice?","start":48.815,"end":52.915,"sentiment":"neutral","sentiment_score":0.16330633958180746}],"sentiment":"neutral","sentiment_score":0.16330633958180746,"channel":0,"num_words":15,"start":48.815,"end":52.915},{"sentences":[{"text":"No.","start":53.335,"end":53.835,"sentiment":"neutral","sentiment_score":-0.11239910870790482}],"sentiment":"neutral","sentiment_score":-0.11239910870790482,"channel":1,"num_words":1,"start":53.335,"end":53.835},{"sentences":[{"text":"No?","start":54.51,"end":55.01,"sentiment":"neutral","sentiment_score":-0.09631837904453278},{"text":"Oh, that's","start":55.309998,"end":56.03,"sentiment":"neutral","sentiment_score":-0.13288512080907822}],"sentiment":"neutral","sentiment_score":-0.12069620688756307,"channel":0,"num_words":3,"start":54.51,"end":56.03},{"sentences":[{"text":"No.","start":55.82,"end":55.98,"sentiment":"neutral","sentiment_score":-0.1938049793243408},{"text":"No.","start":55.98,"end":56.300003,"sentiment":"neutral","sentiment_score":-0.33022576570510864}],"sentiment":"neutral","sentiment_score":-0.26201537251472473,"channel":1,"num_words":2,"start":55.82,"end":56.300003},{"sentences":[{"text":"a shame.","start":56.03,"end":56.69,"sentiment":"negative","sentiment_score":-0.4027731716632843}],"sentiment":"negative","sentiment_score":-0.4027731716632843,"channel":0,"num_words":2,"start":56.03,"end":56.69},{"sentences":[{"text":"I was 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well.","start":327.16,"end":332.00497,"sentiment":"neutral","sentiment_score":-0.0751084640743846},{"text":"So we sold that off and removed it out.","start":332.00497,"end":334.425,"sentiment":"neutral","sentiment_score":-0.18743052830298743}],"sentiment":"neutral","sentiment_score":-0.057133723550182564,"channel":0,"num_words":46,"start":321.63998,"end":334.425},{"sentences":[{"text":"Mhmm.","start":334.44,"end":334.94,"sentiment":"neutral","sentiment_score":0.02404378354549408}],"sentiment":"neutral","sentiment_score":0.02404378354549408,"channel":1,"num_words":1,"start":334.44,"end":334.94},{"sentences":[{"text":"The 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ETF.","start":335.205,"end":342.82498,"sentiment":"neutral","sentiment_score":0.0648379409685731},{"text":"One","start":343.24,"end":343.47998,"sentiment":"neutral","sentiment_score":0.1643555760383606}],"sentiment":"neutral","sentiment_score":0.06957687597189631,"channel":0,"num_words":21,"start":335.205,"end":343.47998},{"sentences":[{"text":"Yep.","start":343.45502,"end":343.95502,"sentiment":"neutral","sentiment_score":0.32104402780532837}],"sentiment":"neutral","sentiment_score":0.32104402780532837,"channel":1,"num_words":1,"start":343.45502,"end":343.95502},{"sentences":[{"text":"of the good things about this investment is that it's actually giving you greater diversification.","start":343.47998,"end":347.5,"sentiment":"positive","sentiment_score":0.4412005186080933},{"text":"So one of the things we'd like to make sure that we can do is to invest in as many different countries, different areas, different asset classes, and different count companies as possible.","start":348.12,"end":357.58,"sentiment":"neutral","sentiment_score":0.3039203462275592},{"text":"So diversifying your portfolio and spreading your risk level as much as we possibly can, and that helps to lower the overall risk of the portfolio.","start":357.875,"end":365.575,"sentiment":"positive","sentiment_score":0.3765399513336328}],"sentiment":"positive","sentiment_score":0.3572624045852068,"channel":0,"num_words":74,"start":343.47998,"end":365.575},{"sentences":[{"text":"Yep.","start":366.525,"end":367.025,"sentiment":"neutral","sentiment_score":0.06727002561092377}],"sentiment":"neutral","sentiment_score":0.06727002561092377,"channel":1,"num_words":1,"start":366.525,"end":367.025},{"sentences":[{"text":"The BetaShares Australia 200 has performed much better than Benelon, hasn't been underperforming, and it's actually giving you exposures to the top 200 companies on the 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you.","start":402.025,"end":406.15002,"sentiment":"positive","sentiment_score":0.37014629039913416},{"text":"I just sort of wanted to look forward to your goals.","start":406.61002,"end":408.85,"sentiment":"positive","sentiment_score":0.41455007141286676},{"text":"And whilst we have made these changes within your super fund, I wanted to reassess whether you're in the right risk level, whether we need to maybe make some alterations, and how we kinda provide a greater benefit for your retirement.","start":408.85,"end":420.58502,"sentiment":"neutral","sentiment_score":0.18930763669493722}],"sentiment":"neutral","sentiment_score":0.19854139929654402,"channel":0,"num_words":109,"start":392.58502,"end":420.58502},{"sentences":[{"text":"Yep.","start":421.615,"end":422.115,"sentiment":"neutral","sentiment_score":0.08225205540657043}],"sentiment":"neutral","sentiment_score":0.08225205540657043,"channel":1,"num_words":1,"start":421.615,"end":422.115},{"sentences":[{"text":"I originally sorta had it noted here that you were hoping to be able to access your super around about age 67.","start":421.685,"end":427.62,"sentiment":"neutral","sentiment_score":0.018036559255878357},{"text":"Is that still fairly accurate?","start":427.62,"end":429.32,"sentiment":"neutral","sentiment_score":-0.013997599110007286},{"text":"What what age are you sorta hoping to be able to retire?","start":429.38,"end":432.28,"sentiment":"neutral","sentiment_score":-0.0223997940775007}],"sentiment":"neutral","sentiment_score":0.0014876610038276666,"channel":0,"num_words":39,"start":421.685,"end":432.28},{"sentences":[{"text":"Yeah.","start":432.99002,"end":433.49002,"sentiment":"neutral","sentiment_score":-0.0035652220249176025},{"text":"Be around then.","start":433.55002,"end":434.685,"sentiment":"neutral","sentiment_score":-0.014089677793284258}],"sentiment":"neutral","sentiment_score":-0.011458563851192594,"channel":1,"num_words":4,"start":432.99002,"end":434.685},{"sentences":[{"text":"Around 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buy?","start":448.435,"end":449.975,"sentiment":"neutral","sentiment_score":-0.0041855064087680405}],"sentiment":"neutral","sentiment_score":0.001934607428583232,"channel":0,"num_words":11,"start":446.515,"end":449.975},{"sentences":[{"text":"Whatever.","start":450.44998,"end":450.94998,"sentiment":"neutral","sentiment_score":0.011731395497918127}],"sentiment":"neutral","sentiment_score":0.011731395497918127,"channel":1,"num_words":1,"start":450.44998,"end":450.94998},{"sentences":[{"text":"Oh, fantastic.","start":451.94998,"end":452.69,"sentiment":"neutral","sentiment_score":0.23726332932710648},{"text":"And you purchased that on a loan, so you've got six years to pay the loan 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okay.","start":478.105,"end":478.92502,"sentiment":"neutral","sentiment_score":0.08282100781798363},{"text":"Not a problem.","start":479.305,"end":480.20502,"sentiment":"neutral","sentiment_score":0.07301109718779723},{"text":"And with the Ford Everest, how much did you pay for that?","start":481.05002,"end":483.69,"sentiment":"neutral","sentiment_score":0.01208998899285992},{"text":"What's the value that?","start":483.69,"end":484.99002,"sentiment":"neutral","sentiment_score":0.009219309082254767}],"sentiment":"neutral","sentiment_score":0.027963092000308363,"channel":0,"num_words":22,"start":477.545,"end":484.99002},{"sentences":[{"text":"So just over 100,000.","start":485.75,"end":487.69,"sentiment":"neutral","sentiment_score":0.0304550938308239}],"sentiment":"neutral","sentiment_score":0.0304550938308239,"channel":1,"num_words":4,"start":485.75,"end":487.69},{"sentences":[{"text":"Wow.","start":488.49002,"end":488.99002,"sentiment":"positive","sentiment_score":0.5217560529708862},{"text":"Nice car.","start":489.13,"end":489.85,"sentiment":"positive","sentiment_score":0.6814636886119843},{"text":"Is it good?","start":489.85,"end":490.49002,"sentiment":"positive","sentiment_score":0.4893847008546193},{"text":"Is it good to drive?","start":490.49002,"end":491.63,"sentiment":"neutral","sentiment_score":0.32443730235099794}],"sentiment":"positive","sentiment_score":0.4522749131376093,"channel":0,"num_words":11,"start":488.49002,"end":491.63},{"sentences":[{"text":"Oh, it's lovely.","start":492.07,"end":492.88998,"sentiment":"positive","sentiment_score":0.6175717711448669},{"text":"It's 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that","start":505.97998,"end":506.53998,"sentiment":"neutral","sentiment_score":-0.01155180111527443}],"sentiment":"neutral","sentiment_score":0.058291361294686796,"channel":1,"num_words":20,"start":499.565,"end":506.53998},{"sentences":[{"text":"yeah.","start":506.535,"end":507.03,"sentiment":"neutral","sentiment_score":0.00038761086761951447}],"sentiment":"neutral","sentiment_score":0.00038761086761951447,"channel":0,"num_words":1,"start":506.535,"end":507.03},{"sentences":[{"text":"won't be that won't be for a couple of","start":506.53998,"end":508.87997,"sentiment":"neutral","sentiment_score":-0.023435701926549275}],"sentiment":"neutral","sentiment_score":-0.023435701926549275,"channel":1,"num_words":9,"start":506.53998,"end":508.87997},{"sentences":[{"text":"Understandable.","start":510.07,"end":510.57,"sentiment":"neutral","sentiment_score":0.04137001186609268},{"text":"Absolutely.","start":510.95,"end":511.45,"sentiment":"neutral","sentiment_score":0.057154037058353424},{"text":"And how much do you have sitting on the loan?","start":512.07,"end":514.07,"sentiment":"neutral","sentiment_score":0.006361347157508135}],"sentiment":"neutral","sentiment_score":0.013511460041627288,"channel":0,"num_words":12,"start":510.07,"end":514.07},{"sentences":[{"text":"years.","start":513.98,"end":514.48,"sentiment":"neutral","sentiment_score":-0.007708873599767685}],"sentiment":"neutral","sentiment_score":-0.007708873599767685,"channel":1,"num_words":1,"start":513.98,"end":514.48},{"sentences":[{"text":"Did you borrow the full amount of the vehicle or just the portion of it?","start":514.07,"end":517.85,"sentiment":"neutral","sentiment_score":-0.011817817638317744}],"sentiment":"neutral","sentiment_score":-0.011817817638317744,"channel":0,"num_words":15,"start":514.07,"end":517.85},{"sentences":[{"text":"Oh, stop it.","start":518.7,"end":519.675,"sentiment":"neutral","sentiment_score":-0.017409317816297214}],"sentiment":"neutral","sentiment_score":-0.017409317816297214,"channel":1,"num_words":3,"start":518.7,"end":519.675},{"sentences":[{"text":"Most of it?","start":520.23,"end":520.95,"sentiment":"neutral","sentiment_score":-0.00842878253509601},{"text":"That's okay.","start":520.95,"end":521.51,"sentiment":"neutral","sentiment_score":0.01909899152815342},{"text":"How much do you have owing on it","start":521.51,"end":522.975,"sentiment":"neutral","sentiment_score":-0.033326021395623684}],"sentiment":"neutral","sentiment_score":-0.0195151181318439,"channel":0,"num_words":13,"start":520.23,"end":522.975},{"sentences":[{"text":"I've got no idea.","start":523.755,"end":524.955,"sentiment":"neutral","sentiment_score":-0.0630569001659751},{"text":"Haven't looked","start":524.955,"end":525.595,"sentiment":"neutral","sentiment_score":-0.04816439747810364}],"sentiment":"neutral","sentiment_score":-0.05809273260335127,"channel":1,"num_words":6,"start":523.755,"end":525.595},{"sentences":[{"text":"still?","start":525.295,"end":525.535,"sentiment":"neutral","sentiment_score":-0.04217052832245827},{"text":"No.","start":525.535,"end":526.035,"sentiment":"neutral","sentiment_score":-0.06792798638343811}],"sentiment":"neutral","sentiment_score":-0.05504925735294819,"channel":0,"num_words":2,"start":525.295,"end":526.035},{"sentences":[{"text":"at it 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it was about 20,000 or something that gotta pay me something like that.","start":780.115,"end":786.35,"sentiment":"neutral","sentiment_score":-0.04092494385050876},{"text":"Between","start":786.64996,"end":787.13,"sentiment":"neutral","sentiment_score":-0.01565655693411827}],"sentiment":"neutral","sentiment_score":-0.03924038472274939,"channel":1,"num_words":15,"start":780.115,"end":787.13},{"sentences":[{"text":"Yep.","start":786.89,"end":787.39,"sentiment":"neutral","sentiment_score":-0.004791574086993933}],"sentiment":"neutral","sentiment_score":-0.004791574086993933,"channel":0,"num_words":1,"start":786.89,"end":787.39},{"sentences":[{"text":"10 and 20,000.","start":787.13,"end":788.50995,"sentiment":"neutral","sentiment_score":-0.006384599759864311},{"text":"I've 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in super?","start":791.93,"end":795.47003,"sentiment":"neutral","sentiment_score":-0.006470322996998827}],"sentiment":"neutral","sentiment_score":-0.0002395042683929205,"channel":0,"num_words":16,"start":790.01,"end":795.47003},{"sentences":[{"text":"No.","start":797.065,"end":797.30505,"sentiment":"neutral","sentiment_score":-0.08151412755250931},{"text":"Because we're dealing with at the moment.","start":797.30505,"end":799.54504,"sentiment":"neutral","sentiment_score":-0.11449829595429557},{"text":"They've got to reinstate a ABN number.","start":799.54504,"end":802.36505,"sentiment":"neutral","sentiment_score":-0.08516448204006467}],"sentiment":"neutral","sentiment_score":-0.09861023823420206,"channel":1,"num_words":15,"start":797.065,"end":802.36505},{"sentences":[{"text":"Okay.","start":803.445,"end":803.945,"sentiment":"neutral","sentiment_score":-0.012299063615500929}],"sentiment":"neutral","sentiment_score":-0.012299063615500929,"channel":0,"num_words":1,"start":803.445,"end":803.945},{"sentences":[{"text":"And and then they've got to release the funds that we've got 60,000 in an account, but they've got to release it","start":803.625,"end":809.52,"sentiment":"neutral","sentiment_score":-0.02928586642850529}],"sentiment":"neutral","sentiment_score":-0.02928586642850529,"channel":1,"num_words":22,"start":803.625,"end":809.52},{"sentences":[{"text":"Yes.","start":811.56,"end":811.88,"sentiment":"neutral","sentiment_score":0.023867791518568993},{"text":"Okay.","start":811.88,"end":812.28,"sentiment":"neutral","sentiment_score":0.06787586957216263},{"text":"No worries.","start":812.28,"end":812.76,"sentiment":"neutral","sentiment_score":0.09348168969154358},{"text":"It sounds like you're going through a little bit there.","start":812.76,"end":814.94,"sentiment":"neutral","sentiment_score":0.023968564718961714},{"text":"It's a bit of a well, hopefully, that all gets sorted fairly soon there for you.","start":816.28,"end":821.5,"sentiment":"neutral","sentiment_score":0.08980906382203102}],"sentiment":"neutral","sentiment_score":0.06517792362719774,"channel":0,"num_words":30,"start":811.56,"end":821.5},{"sentences":[{"text":"Yeah.","start":821.52,"end":821.68,"sentiment":"neutral","sentiment_score":0.07994113862514496},{"text":"Yeah.","start":821.68,"end":822.105,"sentiment":"neutral","sentiment_score":0.10275144875049592}],"sentiment":"neutral","sentiment_score":0.09134629368782043,"channel":1,"num_words":2,"start":821.52,"end":822.105},{"sentences":[{"text":"I'll make a note that we can touch base on that again early next year.","start":821.72003,"end":824.76,"sentiment":"neutral","sentiment_score":0.1560631016890208},{"text":"So maybe if we sit down and do a catch up in about six months' time, that brings us to about the March 1.","start":824.76,"end":830.605,"sentiment":"neutral","sentiment_score":0.08793067513033748},{"text":"We can reassess contributions, look at where you're at with that $20,000 deposit as well, and we can always factor into the advice how to make that $20,000 deposit into super to benefit you the most.","start":830.605,"end":842.8,"sentiment":"neutral","sentiment_score":0.16742528354128203},{"text":"Does that sound okay?","start":842.8,"end":844.10004,"sentiment":"neutral","sentiment_score":0.15817183256149292}],"sentiment":"neutral","sentiment_score":0.14064911729361437,"channel":0,"num_words":79,"start":821.72003,"end":844.10004},{"sentences":[{"text":"Yep.","start":844.35,"end":844.75,"sentiment":"neutral","sentiment_score":0.16809670627117157},{"text":"That sounds good.","start":844.75,"end":845.89,"sentiment":"positive","sentiment_score":0.5115995307763418}],"sentiment":"positive","sentiment_score":0.4257238246500492,"channel":1,"num_words":4,"start":844.35,"end":845.89},{"sentences":[{"text":"Perfect.","start":846.56,"end":847.06,"sentiment":"positive","sentiment_score":0.5906549692153931},{"text":"I'll say the March 1.","start":847.28,"end":849.30005,"sentiment":"neutral","sentiment_score":0.26864854991436005},{"text":"Excellent.","start":849.44,"end":849.94,"sentiment":"positive","sentiment_score":0.5930935144424438},{"text":"Fantastic.","start":850.64,"end":851.14,"sentiment":"neutral","sentiment_score":0.04455458000302315},{"text":"The other thing to sort of have a look at now, you kinda did mention last time that you were hoping to access Uber at around about age 67.","start":852.285,"end":858.945,"sentiment":"neutral","sentiment_score":-0.014798546563191661}],"sentiment":"neutral","sentiment_score":0.05790237737567844,"channel":0,"num_words":37,"start":846.56,"end":858.945},{"sentences":[{"text":"Yes.","start":859.565,"end":860.065,"sentiment":"neutral","sentiment_score":0.0429438017308712}],"sentiment":"neutral","sentiment_score":0.0429438017308712,"channel":1,"num_words":1,"start":859.565,"end":860.065},{"sentences":[{"text":"The with you having that new loan, and you kinda mentioned you wanted to have the Ford Everest paid off prior to you retiring.","start":860.125,"end":868.44,"sentiment":"neutral","sentiment_score":0.012722936769326528},{"text":"Is that right?","start":868.44,"end":869.66003,"sentiment":"neutral","sentiment_score":0.014172927166024843}],"sentiment":"neutral","sentiment_score":0.012884046813404118,"channel":0,"num_words":27,"start":860.125,"end":869.66003},{"sentences":[{"text":"Yes.","start":870.7,"end":871.18,"sentiment":"neutral","sentiment_score":0.03252222761511803},{"text":"Yeah.","start":871.18,"end":871.66003,"sentiment":"neutral","sentiment_score":0.026683717966079712},{"text":"Or","start":871.66003,"end":872.06,"sentiment":"neutral","sentiment_score":0.0045961737632751465}],"sentiment":"neutral","sentiment_score":0.021267373114824295,"channel":1,"num_words":3,"start":870.7,"end":872.06},{"sentences":[{"text":"Yep.","start":871.80005,"end":872.30005,"sentiment":"neutral","sentiment_score":0.0134934913367033}],"sentiment":"neutral","sentiment_score":0.0134934913367033,"channel":0,"num_words":1,"start":871.80005,"end":872.30005},{"sentences":[{"text":"at 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now, essentially, up to age 67 gives you five years away.","start":876.12,"end":882.575,"sentiment":"neutral","sentiment_score":-0.1257741553218741},{"text":"So are you more likely to maybe work a little bit longer than age 67, or are you definitely wanting to stop work at 67?","start":882.575,"end":889.375,"sentiment":"neutral","sentiment_score":-0.25741919577121736},{"text":"That's kind of a not, you know, not something you wanna change?","start":889.375,"end":893.955,"sentiment":"neutral","sentiment_score":-0.30506712446610135}],"sentiment":"neutral","sentiment_score":-0.20364913063459708,"channel":0,"num_words":61,"start":874.68,"end":893.955},{"sentences":[{"text":"I'm I'll probably end up working a bit longer.","start":896.88,"end":899.22003,"sentiment":"neutral","sentiment_score":-0.1809474246369468}],"sentiment":"neutral","sentiment_score":-0.1809474246369468,"channel":1,"num_words":9,"start":896.88,"end":899.22003},{"sentences":[{"text":"Working a bit longer.","start":900.32,"end":901.36,"sentiment":"neutral","sentiment_score":-0.054374488070607185},{"text":"Yep.","start":901.36,"end":901.6,"sentiment":"neutral","sentiment_score":0.14778080582618713},{"text":"That's okay.","start":901.6,"end":902.24,"sentiment":"positive","sentiment_score":0.3805643320083618},{"text":"Perfect.","start":902.24,"end":902.74,"sentiment":"positive","sentiment_score":0.73285973072052},{"text":"Excellent.","start":903.12,"end":903.62,"sentiment":"positive","sentiment_score":0.6864696741104126}],"sentiment":"neutral","sentiment_score":0.23452676915460163,"channel":0,"num_words":9,"start":900.32,"end":903.62},{"sentences":[{"text":"What I wanted to do as well is just run through a quick risk profile questionnaire just to kinda gauge where you're sitting because you are in more of a growth kind of portfolio.","start":904.0,"end":912.175,"sentiment":"neutral","sentiment_score":0.11162769049406052},{"text":"You you are sort of seeing about 80% of your super in those growth assets.","start":912.555,"end":916.315,"sentiment":"neutral","sentiment_score":0.08068973521391551},{"text":"So I think things like Australian shares, international shares, property, and then some, you know, gold and silver and commodities and precious metals in there as well.","start":916.315,"end":925.055,"sentiment":"neutral","sentiment_score":0.059626439931216066},{"text":"So in","start":925.22003,"end":925.62,"sentiment":"neutral","sentiment_score":0.031853703781962395}],"sentiment":"neutral","sentiment_score":0.08563216398350704,"channel":0,"num_words":78,"start":904.0,"end":925.62},{"sentences":[{"text":"Yes.","start":925.50995,"end":925.875,"sentiment":"neutral","sentiment_score":0.059829238802194595}],"sentiment":"neutral","sentiment_score":0.059829238802194595,"channel":1,"num_words":1,"start":925.50995,"end":925.875},{"sentences":[{"text":"that kind of environment, it does suit someone who has at least six years before accessing their super.","start":925.62,"end":930.68,"sentiment":"neutral","sentiment_score":0.0036313500669267443},{"text":"Realistically, with that 80% invested in those growth assets, you are sort of hoping to obtain around about a seven to 9% on a yearly basis, but we understand the likelihood of a negative return is expected kind of one in every five years as well.","start":931.3,"end":944.375,"sentiment":"neutral","sentiment_score":-0.127120161348063},{"text":"So that's sort of why when you are about sort of five to six years from accessing your super that we wanna start looking at trying to reduce the risk level a little bit for you to kind of start protecting","start":944.375,"end":954.615,"sentiment":"neutral","sentiment_score":-0.04371662928563792}],"sentiment":"neutral","sentiment_score":-0.0721385230620702,"channel":0,"num_words":105,"start":925.62,"end":954.615},{"sentences":[{"text":"Yes.","start":954.22504,"end":954.72504,"sentiment":"neutral","sentiment_score":0.04884207621216774}],"sentiment":"neutral","sentiment_score":0.04884207621216774,"channel":1,"num_words":1,"start":954.22504,"end":954.72504},{"sentences":[{"text":"your capital there.","start":954.615,"end":955.79,"sentiment":"neutral","sentiment_score":0.06642983729640643},{"text":"But it also comes down to are you more likely to actually retire at 67, or are you, you know, happy to work a little bit longer?","start":956.01,"end":964.25,"sentiment":"neutral","sentiment_score":0.002763861354819878},{"text":"So if we sort of got close to, you know, age 65 or 66 and we saw a bit of a market dip and things weren't really, performing as well, are you open to working to age 67, 68, 69, 70 to kind of allow your portfolio to come back, or are you more, you know, ready to retire, you've had enough, and you really wanna stop working?","start":964.25,"end":986.45,"sentiment":"neutral","sentiment_score":-0.031244646292179823},{"text":"How do you think you might sort of act in that scenario?","start":986.45,"end":988.71,"sentiment":"neutral","sentiment_score":-0.047809919652839504}],"sentiment":"neutral","sentiment_score":-0.02204037468393587,"channel":0,"num_words":110,"start":954.615,"end":988.71},{"sentences":[{"text":"I'm probably probably not going to retire before '68.","start":991.79004,"end":996.13,"sentiment":"neutral","sentiment_score":-0.12325918757253224},{"text":"You know?","start":996.27,"end":996.93,"sentiment":"neutral","sentiment_score":-0.040247268974781036}],"sentiment":"neutral","sentiment_score":-0.10816611146385019,"channel":1,"num_words":11,"start":991.79004,"end":996.93},{"sentences":[{"text":"Yep.","start":997.01,"end":997.51,"sentiment":"neutral","sentiment_score":-0.014949257485568523},{"text":"Not before 06/08.","start":997.57,"end":998.745,"sentiment":"neutral","sentiment_score":-0.02100914561500152},{"text":"Yep.","start":998.745,"end":998.985,"sentiment":"neutral","sentiment_score":0.04698803648352623},{"text":"That's okay.","start":998.985,"end":999.705,"sentiment":"neutral","sentiment_score":0.2303662896156311},{"text":"Perfect.","start":999.705,"end":1000.205,"sentiment":"positive","sentiment_score":0.43315330147743225}],"sentiment":"neutral","sentiment_score":0.10786215285770595,"channel":0,"num_words":8,"start":997.01,"end":1000.205},{"sentences":[{"text":"The other sort of question I have here is thinking about your super 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years, how do you think you might react?","start":1043.6499,"end":1049.2699,"sentiment":"neutral","sentiment_score":-0.0511247691783038},{"text":"Do you think you'd be wanting to put more money into the super, make take advantage of the downtime?","start":1049.33,"end":1053.83,"sentiment":"neutral","sentiment_score":-0.0677957966139442}],"sentiment":"neutral","sentiment_score":-0.005154709331691265,"channel":0,"num_words":48,"start":1039.765,"end":1053.83},{"sentences":[{"text":"Are you a bit concerned and maybe holding and waiting and calling us to see what we think you should do?","start":1054.575,"end":1059.5549,"sentiment":"neutral","sentiment_score":-0.09707376715682801},{"text":"Or are you feeling really concerned and wanting to maybe sell your investments to cash?","start":1059.775,"end":1063.9349,"sentiment":"neutral","sentiment_score":-0.11511430939038594},{"text":"How do you think you might react?","start":1063.9349,"end":1065.5549,"sentiment":"neutral","sentiment_score":-0.07819351873227529}],"sentiment":"neutral","sentiment_score":-0.10029345075058382,"channel":0,"num_words":43,"start":1054.575,"end":1065.5549},{"sentences":[{"text":"I'll probably give you a 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next one here is have you ever seen your super fall in value in the past?","start":1072.41,"end":1076.25,"sentiment":"neutral","sentiment_score":-0.11343163865454056},{"text":"So thinking about market dips because we understand they do happen.","start":1076.25,"end":1079.7101,"sentiment":"neutral","sentiment_score":-0.10861519385467876},{"text":"And over the next, you know, five, six to ten years, there is going to be some sort of a market dip.","start":1080.17,"end":1084.785,"sentiment":"neutral","sentiment_score":-0.07639185745607723}],"sentiment":"neutral","sentiment_score":-0.07889975865299885,"channel":0,"num_words":52,"start":1069.8501,"end":1084.785},{"sentences":[{"text":"We know that that is a possibility.","start":1084.785,"end":1086.485,"sentiment":"neutral","sentiment_score":-0.05987488159111568},{"text":"How do you think you might feel if you saw your super falling value?","start":1087.8251,"end":1091.185,"sentiment":"neutral","sentiment_score":-0.15013855961816652},{"text":"Are you feeling optimistic about the investment opportunity?","start":1091.185,"end":1093.925,"sentiment":"neutral","sentiment_score":0.1325779389590025},{"text":"Money you wanted to put some money into the market?","start":1093.985,"end":1096.245,"sentiment":"neutral","sentiment_score":-0.07467830292880535},{"text":"Are you cautious, concerned, or feeling anxious?","start":1096.37,"end":1098.77,"sentiment":"neutral","sentiment_score":-0.18714029554809844}],"sentiment":"neutral","sentiment_score":-0.0764609911357579,"channel":0,"num_words":46,"start":1084.785,"end":1098.77},{"sentences":[{"text":"How do you think you might be feeling?","start":1098.77,"end":1101.03,"sentiment":"neutral","sentiment_score":-0.1097495211288333}],"sentiment":"neutral","sentiment_score":-0.1097495211288333,"channel":0,"num_words":8,"start":1098.77,"end":1101.03},{"sentences":[{"text":"I'm aware 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full.","start":2655.09,"end":2656.69,"sentiment":"neutral","sentiment_score":0.06664674622671944},{"text":"So","start":2656.69,"end":2656.77,"sentiment":"neutral","sentiment_score":0.15549346804618835}],"sentiment":"neutral","sentiment_score":0.07775258645415306,"channel":1,"num_words":8,"start":2655.09,"end":2656.77},{"sentences":[{"text":"that's okay.","start":2657.5352,"end":2658.435,"sentiment":"neutral","sentiment_score":0.15323184430599213},{"text":"Well, thank you so much for your time today, Rosalie.","start":2658.815,"end":2661.55,"sentiment":"positive","sentiment_score":0.7269971489906311},{"text":"I'll let you go to enjoy your day, and I'll touch base with you in about March.","start":2661.55,"end":2665.0698,"sentiment":"positive","sentiment_score":0.6083484081661},{"text":"And we'll see how things are going then and update the advice to the both of you.","start":2665.0698,"end":2668.8499,"sentiment":"positive","sentiment_score":0.42688059105592613},{"text":"Okay.","start":2668.99,"end":2669.49,"sentiment":"neutral","sentiment_score":0.20848803222179413}],"sentiment":"positive","sentiment_score":0.5400811956917986,"channel":0,"num_words":47,"start":2657.5352,"end":2669.49},{"sentences":[{"text":"Okay then.","start":2669.2651,"end":2669.905,"sentiment":"neutral","sentiment_score":0.17704299837350845},{"text":"Yep.","start":2669.905,"end":2670.3052,"sentiment":"neutral","sentiment_score":0.2748650312423706},{"text":"Thank you very much.","start":2670.3052,"end":2671.365,"sentiment":"positive","sentiment_score":0.7808643281459808}],"sentiment":"positive","sentiment_score":0.5360583343676159,"channel":1,"num_words":7,"start":2669.2651,"end":2671.365},{"sentences":[{"text":"My pleasure.","start":2671.8699,"end":2672.5898,"sentiment":"positive","sentiment_score":0.7945340275764465},{"text":"You enjoy your day.","start":2672.5898,"end":2673.81,"sentiment":"positive","sentiment_score":0.7586178630590439}],"sentiment":"positive","sentiment_score":0.7705899178981781,"channel":0,"num_words":6,"start":2671.8699,"end":2673.81},{"sentences":[{"text":"Yeah.","start":2674.5798,"end":2674.98,"sentiment":"positive","sentiment_score":0.4063140153884888},{"text":"I've got that work it up by three.","start":2674.98,"end":2677.0,"sentiment":"positive","sentiment_score":0.4320714734494686}],"sentiment":"positive","sentiment_score":0.4292095336649153,"channel":1,"num_words":9,"start":2674.5798,"end":2677.0},{"sentences":[{"text":"Oh, wow.","start":2677.7551,"end":2678.655,"sentiment":"positive","sentiment_score":0.5346010327339172},{"text":"Well, you enjoy your afternoon.","start":2681.435,"end":2682.975,"sentiment":"positive","sentiment_score":0.6811483263969421},{"text":"Don't work too hard, and I hope you have a lovely weekend ahead.","start":2683.035,"end":2686.095,"sentiment":"positive","sentiment_score":0.5937379392293783}],"sentiment":"positive","sentiment_score":0.6096768453717232,"channel":0,"num_words":20,"start":2677.7551,"end":2686.095},{"sentences":[{"text":"Yep.","start":2686.2852,"end":2686.7852,"sentiment":"positive","sentiment_score":0.33423489332199097},{"text":"Thank you.","start":2686.8452,"end":2687.665,"sentiment":"positive","sentiment_score":0.5903836190700531},{"text":"You have","start":2687.885,"end":2688.205,"sentiment":"positive","sentiment_score":0.43683968484401703}],"sentiment":"positive","sentiment_score":0.4777363002300262,"channel":1,"num_words":5,"start":2686.2852,"end":2688.205},{"sentences":[{"text":"My","start":2688.175,"end":2688.415,"sentiment":"neutral","sentiment_score":0.32386571168899536}],"sentiment":"neutral","sentiment_score":0.32386571168899536,"channel":0,"num_words":1,"start":2688.175,"end":2688.415},{"sentences":[{"text":"enjoy","start":2688.365,"end":2688.7651,"sentiment":"positive","sentiment_score":0.5458020567893982}],"sentiment":"positive","sentiment_score":0.5458020567893982,"channel":1,"num_words":1,"start":2688.365,"end":2688.7651},{"sentences":[{"text":"pleasure.","start":2688.415,"end":2688.895,"sentiment":"positive","sentiment_score":0.6471676826477051}],"sentiment":"positive","sentiment_score":0.6471676826477051,"channel":0,"num_words":1,"start":2688.415,"end":2688.895},{"sentences":[{"text":"your","start":2688.7651,"end":2688.925,"sentiment":"positive","sentiment_score":0.4829411804676056}],"sentiment":"positive","sentiment_score":0.4829411804676056,"channel":1,"num_words":1,"start":2688.7651,"end":2688.925},{"sentences":[{"text":"Talk","start":2688.895,"end":2689.395,"sentiment":"positive","sentiment_score":0.549506664276123}],"sentiment":"positive","sentiment_score":0.549506664276123,"channel":0,"num_words":1,"start":2688.895,"end":2689.395},{"sentences":[{"text":"weekend.","start":2688.925,"end":2689.425,"sentiment":"positive","sentiment_score":0.5387470722198486},{"text":"Thank you.","start":2689.485,"end":2690.3052,"sentiment":"positive","sentiment_score":0.6226547360420227}],"sentiment":"positive","sentiment_score":0.5946855147679647,"channel":1,"num_words":3,"start":2688.925,"end":2690.3052},{"sentences":[{"text":"thank you, Lar thanks, Leslie.","start":2690.095,"end":2692.015,"sentiment":"positive","sentiment_score":0.6128963828086853},{"text":"See you later.","start":2692.015,"end":2692.835,"sentiment":"positive","sentiment_score":0.5400360623995463},{"text":"Bye.","start":2692.895,"end":2693.395,"sentiment":"neutral","sentiment_score":0.3116636276245117}],"sentiment":"positive","sentiment_score":0.5551393032073975,"channel":0,"num_words":9,"start":2690.095,"end":2693.395},{"sentences":[{"text":"Thank you.","start":2693.0051,"end":2693.5652,"sentiment":"positive","sentiment_score":0.5844916701316833},{"text":"Bye bye.","start":2693.5652,"end":2694.3052,"sentiment":"neutral","sentiment_score":0.06034030392765998}],"sentiment":"neutral","sentiment_score":0.32241598702967167,"channel":1,"num_words":4,"start":2693.0051,"end":2694.3052}]},"summary":{"result":"success","short":"Representatives from Oakview Financial reassure customers about their investment portfolio and asset performance, including their Benelon Australian Equities Fund and CAT bond. They also discuss retirement goals and the customer's desire to retire in six years. The representatives offer to reassess risk levels and reduce risk levels for the customer and provide financial advice and guidance. They emphasize the importance of reaching retirement goals and staying in a stable investment portfolio. The representatives also provide information on the customer's life insurance and financial services guide and offer to keep them updated on their financial status."},"intents":{"segments":[{"text":"And just to do a quick security check there with you as well, we are discussing your personal information. So I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yep.","start_word":88,"end_word":128,"intents":[{"intent":"Discuss personal information","confidence_score":0.2666043},{"intent":"Confirm identity","confidence_score":0.09406404}]},{"text":"Well, but, normally, when we send through so, normally, when we do the annual review, we send through some documents to your email. Are you able to access your email there at the moment?","start_word":196,"end_word":229,"intents":[{"intent":"Access email","confidence_score":0.51133955},{"intent":"Get email","confidence_score":0.00097014505}]},{"text":"have seen a bit of an increase, albeit the markets have been a little bit up and down this year with everything it has been going on. So we do understand that there are gonna be years, but maybe the returns probably aren't as positive as what we've But it's about Yep. maintaining, you know, substantial growth and making sure it is working towards your goals at the end of the day as well. The other Yep.","start_word":471,"end_word":547,"intents":[{"intent":"Discuss financial situation","confidence_score":0.00057252235}]},{"text":"of the good things about this investment is that it's actually giving you greater diversification. So one of the things we'd like to make sure that we can do is to invest in as many different countries, different areas, different asset classes, and different count companies as possible. So diversifying your portfolio and spreading your risk level as much as we possibly can, and that helps to lower the overall risk of the portfolio. Yep.","start_word":989,"end_word":1063,"intents":[{"intent":"Share portfolio diversification","confidence_score":0.00979312}]},{"text":"So the other thing I sort of wanted to touch on today was I know last year, we were trying to look at providing new advice, and we kind of weren't able to get the information required to complete that.","start_word":1139,"end_word":1178,"intents":[{"intent":"Provide advice","confidence_score":0.2558286}]},{"text":"And whilst we have made these changes within your super fund, I wanted to reassess whether you're in the right risk level, whether we need to maybe make some alterations, and how we kinda provide a greater benefit for your retirement. Yep.","start_word":1206,"end_word":1247,"intents":[{"intent":"Reassess data","confidence_score":0.00056669564}]},{"text":"I originally sorta had it noted here that you were hoping to be able to access your super around about age 67. Is that still fairly accurate?","start_word":1248,"end_word":1274,"intents":[{"intent":"Access super","confidence_score":0.39025706}]},{"text":"I originally sorta had it noted here that you were hoping to be able to access your super around about age 67. Is that still fairly accurate? What what age are you sorta hoping to be able to retire?","start_word":1248,"end_word":1286,"intents":[{"intent":"Determine age","confidence_score":0.13524804}]},{"text":"And you purchased that on a loan, so you've got six years to pay the loan down? Yep.","start_word":1333,"end_word":1350,"intents":[{"intent":"Complete loan","confidence_score":0.053903427}]},{"text":"And with the Ford Everest, how much did you pay for that?","start_word":1423,"end_word":1434,"intents":[{"intent":"Inquire about cost","confidence_score":0.02075055}]},{"text":"And with the Ford Everest, how much did you pay for that? What's the value that?","start_word":1423,"end_word":1438,"intents":[{"intent":"Discuss car value","confidence_score":0.0046863854},{"intent":"Inquire about caravan value","confidence_score":0.00029883295},{"intent":"Ask about caravan price","confidence_score":0.0018896059}]},{"text":"Nice car. Is it good? Is it good to drive?","start_word":1443,"end_word":1452,"intents":[{"intent":"Confirm car purchases","confidence_score":0.00014117204}]},{"text":"And how much do you have sitting on the loan? years.","start_word":1509,"end_word":1519,"intents":[{"intent":"Ask about loan amount","confidence_score":0.094234854}]},{"text":"And you also made mention there that you're wanting to buy a caravan. Is that something you're wanting to do with some of the funds within your super when you retire, or are you planning to save outside of super to be able to purchase the caravan?","start_word":1602,"end_word":1648,"intents":[{"intent":"Inquire about repayment plan","confidence_score":0.00046798948}]},{"text":"And then having a bit of a look back at your goals recently over the last couple of years, something that yourself and John had sort of pointed out was that you was were sorta also hoping to use about 400,000 to buy a house out of your supers. Is that still something that you're both sort of looking to maybe do, or are you sort of not thinking that's the way to go?","start_word":1754,"end_word":1827,"intents":[{"intent":"Explore super use","confidence_score":0.000032847835}]},{"text":"If you like, what we can do is we can just maybe hold off the advice around the contribution aspect, and we can maybe touch base early next year and rediscuss that. Would that be more appropriate, more comfortable for you? Yeah.","start_word":2160,"end_word":2201,"intents":[{"intent":"Replay contribution advice","confidence_score":0.002216485}]},{"text":"So are you more likely to maybe work a little bit longer than age 67, or are you definitely wanting to stop work at 67?","start_word":2584,"end_word":2608,"intents":[{"intent":"Identify job preferences","confidence_score":0.000022926832}]},{"text":"The other sort of question I have here is thinking about your super and the type of risk level that you are taking, do you consider yourself comfortable taking on a higher level of risk in the market to try and get greater potential returns? Are you maybe comfortable taking a moderate or medium amount of risk to get the best returns possible, or are you not very comfortable taking risk in the market and knowing the returns are lower because of that? Where do you think you sort of fit there?","start_word":2953,"end_word":3044,"intents":[{"intent":"Evaluate portfolio options","confidence_score":0.15953858}]},{"text":"How do you think you might feel if you saw your super falling value? Are you feeling optimistic about the investment opportunity?","start_word":3249,"end_word":3270,"intents":[{"intent":"Express belief about financial outlook","confidence_score":0.00003705287}]},{"text":"Are you feeling optimistic about the investment opportunity?","start_word":3262,"end_word":3269,"intents":[{"intent":"Discuss optimism about investment opportunity","confidence_score":0.00017542885}]},{"text":"And the last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds, or would you only ever wanna borrow for, say, property?","start_word":3362,"end_word":3395,"intents":[{"intent":"Discuss investment options","confidence_score":0.0012972029}]},{"text":"Now the only other thing to kinda look at with regard to those documents that we were looking at before is you don't have any personal insurances, good.","start_word":3962,"end_word":3989,"intents":[{"intent":"Reflect on super documents","confidence_score":0.0014280787}]},{"text":"Did you wanna sort of talk about what they are, how they can provide benefit, or are you just comfortable in trying to boost your super for retirement?","start_word":4012,"end_word":4039,"intents":[{"intent":"Discuss policy benefits","confidence_score":0.0040526274}]},{"text":"The other thing this will look at is the beneficiary side of things. So I'm just having a quick look at your super to have the beneficiaries. Now just kind of reaffirming, have you guys spoken about doing up a will, power of attorney documents, estate planning, or seeking the services of a solicitor to draw off any of those documents?","start_word":4350,"end_word":4410,"intents":[{"intent":"Check beneficiary documents","confidence_score":0.00019205382}]},{"text":"What's his date of birth just to confirm? 02/16/1967.","start_word":4580,"end_word":4588,"intents":[{"intent":"Update date of birth","confidence_score":0.024774363}]},{"text":"When did you get married? Yes. 2024.","start_word":4616,"end_word":4622,"intents":[{"intent":"Confirm married date","confidence_score":0.0016875272}]},{"text":"Not a problem at all. So I'll make a note here that we'll get the beneficiaries prefilled for you and sent out. Now just to kinda go through a couple of details, there are some additional things to think about when you are nominating a beneficiary, and one of those is essentially what kind of beneficiary you want nominated. They have three different kinds.","start_word":4701,"end_word":4764,"intents":[{"intent":"Understand naming process","confidence_score":0.000031696953}]},{"text":"So I'll make a note here that we'll get the beneficiaries prefilled for you and sent out.","start_word":4706,"end_word":4722,"intents":[{"intent":"Create note","confidence_score":0.01616285}]},{"text":"We'll fill it out once and make it easier. I like it. Yes.","start_word":4887,"end_word":4899,"intents":[{"intent":"Ensure proper filling","confidence_score":0.00020004487}]},{"text":"I'm just gonna note that over here as well. And you said that's due to be fully paid off around November. Is that right? No. That's February February next year. Beautiful. Excellent. And, roughly, what kind of next value would you put on that Subaru CXU at year. the moment? Oh god.","start_word":4991,"end_word":5042,"intents":[{"intent":"Mention future payments","confidence_score":0.000009369186}]},{"text":"So having a look here at the moment, it's sort of saying average valuation Around about 20 to 22,000 currently.","start_word":5108,"end_word":5127,"intents":[{"intent":"Calculate loan value","confidence_score":0.0014037276}]},{"text":"Thank you for updating that. Is there any other assets or liabilities or anything else you would think we should note down here at all? No.","start_word":5395,"end_word":5420,"intents":[{"intent":"Update and discuss assets and liabilities","confidence_score":0.0028839018}]},{"text":"So we've pretty much covered off most things. Your super is working quite well. The obviously, the return is a bit lower than expected this year, but there has been some adjustments made to the portfolio. So we'll just kinda keep monitoring that. You're fairly comfortable remaining in that growth kind of environment for another few months. We'll reassess things in March and also consider additional contributions Yep.","start_word":5472,"end_word":5539,"intents":[{"intent":"Monitor and consider future goals","confidence_score":0.00038899673}]},{"text":"We'll reassess things in March and also consider additional contributions Yep.","start_word":5529,"end_word":5539,"intents":[{"intent":"Consider additional contributions and consider additional contributions","confidence_score":0.008748672}]},{"text":"You've kind of made note to me that you're more realistically wanting to retire at age 67, but happy to keep working longer and probably will work a little bit longer as well. And I'm back last year, we also had it noted that in retirement, you were looking to live off about a thousand dollars combined, so roughly 500 per week from each of your supers. Does that still sound fairly accurate? Yes.","start_word":5544,"end_word":5617,"intents":[{"intent":"Reconsider retirement plans","confidence_score":0.04935716},{"intent":"Confirm retirement preferences","confidence_score":0.00012310919}]},{"text":"I had a notice of a while ago that one of your medium term goals with the caravan was you were expecting to pay around about 60,000 for that. Does that sound fairly accurate? Do you think that might cost a bit more when you get to purchasing the Right now, we can get a decent secondhand caravan? one for about 60,000.","start_word":5669,"end_word":5730,"intents":[{"intent":"Determine forecast for caravan purchase","confidence_score":0.0000100841435},{"intent":"Provide secondhand caravan cost","confidence_score":0.00046131187}]},{"text":"I've got down here that with insurance wise, you're not looking at getting any new insurances. You're happy with the life cover you have paid out of pocket or paid personally. Yeah.","start_word":5778,"end_word":5809,"intents":[{"intent":"Find and discuss life insurance","confidence_score":0.000039190825}]},{"text":"fee will drop to 1.375, essentially. So Okay.","start_word":6088,"end_word":6095,"intents":[{"intent":"Set fee","confidence_score":0.017392427}]},{"text":"So once you've kinda gone through those documents, if you're comfortable to, we'll ask you to sign and return those back there for us just so we can keep providing our services and looking after everything.","start_word":6459,"end_word":6494,"intents":[{"intent":"Get services","confidence_score":0.002132142},{"intent":"Provide services","confidence_score":0.13999097}]},{"text":"And it should just take you through so you can click on the button to press the sign, and it should prepopulate your signature for you to make it easier. I didn't do that.","start_word":6547,"end_word":6580,"intents":[{"intent":"Prepopulate signature","confidence_score":0.39313912}]},{"text":"I did well, it's got an extra r in it. Can I change that? I Yeah.","start_word":6683,"end_word":6698,"intents":[{"intent":"Change name","confidence_score":0.23596703}]},{"text":"That's just letting you know that we do hold your tax phone number.","start_word":6785,"end_word":6797,"intents":[{"intent":"Access tax phone number","confidence_score":0.22558244}]},{"text":"And then lastly, when we caught up, you were hoping the pay rises on the the forefront, but hadn't really had any confirmation yet.","start_word":7133,"end_word":7156,"intents":[{"intent":"Confirm pay increase","confidence_score":0.024069056}]},{"text":"I'll hold everything for the moment as it is.","start_word":7250,"end_word":7258,"intents":[{"intent":"Hold everything","confidence_score":0.025351351}]},{"text":"Is John Beautiful. due for his twelve monthly review or not? Not yet.","start_word":7336,"end_word":7348,"intents":[{"intent":"Book monthly review","confidence_score":0.072961755}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Rosalie. This is Dana from Oakview Financial. How are you this afternoon?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.2001980692148209},{"text":"I'm good. Thanks. How are you? I am very well. Thank you.","start_word":14,"end_word":25,"sentiment":"positive","sentiment_score":0.5434113144874573},{"text":"I had you booked in to go through a bit of an annual review this afternoon. Is now still a good time there for you? Yes. Yeah.","start_word":26,"end_word":52,"sentiment":"neutral","sentiment_score":0.2516520619392395},{"text":"Fantastic.","start_word":53,"end_word":53,"sentiment":"positive","sentiment_score":0.5553363561630249},{"text":"Before I jump into the call, I do need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yes.","start_word":54,"end_word":86,"sentiment":"neutral","sentiment_score":0.19874997437000275},{"text":"Fantastic.","start_word":87,"end_word":87,"sentiment":"positive","sentiment_score":0.4569864273071289},{"text":"And just to do a quick security check there with you as well, we are discussing your personal information. So I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yep. Rosalie Dawn Patterson, July 10 K. 1964. 20 Richards Crescent Rosebery.","start_word":88,"end_word":139,"sentiment":"neutral","sentiment_score":0.14501164853572843},{"text":"Beautiful. Thank you so much for that. And, Rosalie, you just had a birthday. Happy birthday for July. Thank you.","start_word":140,"end_word":159,"sentiment":"positive","sentiment_score":0.49003076553344727},{"text":"You shush. Did you do did you do anything fun, go out for dinner, or anything nice? No. No? Oh, that's No. No.","start_word":160,"end_word":182,"sentiment":"neutral","sentiment_score":0.047445040196180344},{"text":"a shame.","start_word":183,"end_word":184,"sentiment":"negative","sentiment_score":-0.4027731716632843},{"text":"I was working. So Oh, that's a shame. That's all good. Well, but, normally, when we send through so, normally, when we do the annual review, we send through some documents to your email. Are you able to access your email there at the moment? If you can, it's honestly okay. Yeah. Just let me have a look. I'll just put Yeah. you You're on speaker right. for a minute. Not a problem. I'll just send this one through to you there. There we go. It's coming through from Odoo Time. I believe it also comes through from Dana at Odoo Financial. Shipping. Hang on a second. It's really quick.","start_word":185,"end_word":294,"sentiment":"neutral","sentiment_score":0.004623658489435911},{"text":"Perfect.","start_word":295,"end_word":295,"sentiment":"positive","sentiment_score":0.36164963245391846},{"text":"Alright. Just going through. That's okay. Not a problem. It may have also gone through to your junk mailbox. Sometimes I get directed there as well. I've got it here. It's You've going got it through. there? Yep. Fantastic. So when you open that email there, it'll it does have a button that says sign to continue or sign. If you press that button, it'll allow you to move forward so you can see the documents there. I will never ask you to sign anything you haven't read. It's just so we can kinda review the documents together. Okay? Yep. Yep. Yep.","start_word":296,"end_word":397,"sentiment":"neutral","sentiment_score":0.07972996616188217},{"text":"Excellent.","start_word":398,"end_word":398,"sentiment":"positive","sentiment_score":0.6662567853927612},{"text":"So the first one there when you can see it, I should say summary of superannuation and insure oh, sorry. In superannuation as of the 08/26/2026. So that's Yep. when we completed those documents. When I look back at your annual review last year, now your balance back in 2025, we were sitting at about 110,149. So we're up to about a $135,001.92 and 88<unk> now.","start_word":399,"end_word":465,"sentiment":"neutral","sentiment_score":0.17849479615688324},{"text":"So it is good.","start_word":466,"end_word":469,"sentiment":"positive","sentiment_score":0.5985693335533142},{"text":"We Yep. have seen a bit of an increase, albeit the markets have been a little bit up and down this year with everything it has been going on. So we do understand that there are gonna be years, but maybe the returns probably aren't as positive as what we've But it's about Yep.","start_word":470,"end_word":523,"sentiment":"neutral","sentiment_score":0.0058879852294921875},{"text":"maintaining, you know, substantial growth and making sure it is working towards your goals at the end of the day as well.","start_word":524,"end_word":545,"sentiment":"positive","sentiment_score":0.3897186815738678},{"text":"The other Yep. thing I sort of wanted to point out was we had sent an email to you back in about March. Do you remember receiving an email in relation to one of your investments? Or Not really. In March, no. it said. I Yeah. haven't looked Yeah. up. We've gone through here, but That's okay. If you like, I can always re email through to you. It's not a problem at no. all. Essentially, if you scroll through to the next document for me, the next one is your asset performance detail report, and it does Yep. kinda go through all the individual investments. Now having a bit of a look at this, and I ran through things before the call, essentially, everything has been working really, really well. We have seen some really good leasing growth this year, albeit it is a much lower return. So, essentially, the growth that we have seen net of fees this year is about 3.60%. So it is Yes.","start_word":546,"end_word":712,"sentiment":"neutral","sentiment_score":0.1054594416818219},{"text":"a lower growth rate than what we would sort of like to see, but to come out after the last twelve months and still see a positive return with everything that's been going on with The US and the Iran war, plus high inflationary Yeah.","start_word":713,"end_word":757,"sentiment":"positive","sentiment_score":0.4874444305896759},{"text":"rates and also changes to the tax legislation here in Australia, there has been a lot sort of going on that has had an effect on the markets there. The other thing that we sort of noted and what we the main reason we sent that email to you in March was you originally have the Benelon Australian Equities Fund. That was actually completely sold out of your portfolio. We sorta had noted earlier this year that that investment was sorta underperforming as well. It was underperforming because of its own issues within the fund, and we've actually moved you into the investment noted underneath that, which is the BetaShares a 200 ETF. So if you're looking Yep. at the first page of that, you've got your headings asset, cash, alternative investments, and Australian equities. Can you see those headings in blue? Yeah. I've just gotta make my screen a bit bigger. That's all. That's okay. You're fine. Yep. Beautiful. So under those, the Australian Equities Investment, you've got your Benelon Australian Equities Fund. That's the one that you've actually had in your portfolio over the past couple of years, which is not performing as well. So we sold that off and removed it out. Mhmm. The one Yes. you now hold within your investment still giving you exposure to the Australian market is the BetaShares Australia 200 ETF. One Yep.","start_word":758,"end_word":988,"sentiment":"neutral","sentiment_score":-0.03140079230070114},{"text":"of the good things about this investment is that it's actually giving you greater diversification.","start_word":989,"end_word":1003,"sentiment":"positive","sentiment_score":0.432227075099945},{"text":"So one of the things we'd like to make sure that we can do is to invest in as many different countries, different areas, different asset classes, and different count companies as possible.","start_word":1004,"end_word":1036,"sentiment":"neutral","sentiment_score":0.30532288551330566},{"text":"So diversifying your portfolio and spreading your risk level as much as we possibly can, and that helps to lower the overall risk of the portfolio.","start_word":1037,"end_word":1062,"sentiment":"positive","sentiment_score":0.3743593394756317},{"text":"Yep.","start_word":1063,"end_word":1063,"sentiment":"neutral","sentiment_score":0.16762718558311462},{"text":"The BetaShares Australia 200 has performed much better than Benelon, hasn't been underperforming, and it's actually giving you exposures to the top 200 companies on the ASX. So it's actually giving you greater diversification by having this investment in there, and it's actually a bit cheaper than holding the Bennelong Australian equities as well. So it is reducing your investment fees within the portfolio as well, which is a really good positive sign.","start_word":1064,"end_word":1136,"sentiment":"positive","sentiment_score":0.6775872707366943},{"text":"Yep. Yeah. So the other thing I sort of wanted to touch on today was I know last year, we were trying to look at providing new advice, and we kind of weren't able to get the information required to complete that.","start_word":1137,"end_word":1178,"sentiment":"neutral","sentiment_score":0.09692100435495377},{"text":"So I do wanna look at making sure that that is completed this year for you. I just sort of wanted to look forward to your goals.","start_word":1179,"end_word":1205,"sentiment":"positive","sentiment_score":0.38322964310646057},{"text":"And whilst we have made these changes within your super fund, I wanted to reassess whether you're in the right risk level, whether we need to maybe make some alterations, and how we kinda provide a greater benefit for your retirement. Yep. I originally sorta had it noted here that you were hoping to be able to access your super around about age 67. Is that still fairly accurate? What what age are you sorta hoping to be able to retire? Yeah. Be around then. Around then? Yeah. Well, we'll because we bought a new car last year, so it's got another well, another six years on it. So before Okay. we that. And yeah. No worries. What kind of car did you buy? Whatever. Oh, fantastic. And you purchased that on a loan, so you've got six years to pay the loan down? Yep. Yep. That's okay. And do you think it'll probably take you about the six years to complete the loan, or do you are you gonna try and pay more onto it to pay it down faster? We are going to try, but I've got my car's paid off next year. Yep. Okay. No I've got worries. a personal loan, and John's got a personal loan. Yep. That's okay. Not a problem. And with the Ford Everest, how much did you pay for that? What's the value that? So just over 100,000.","start_word":1206,"end_word":1441,"sentiment":"neutral","sentiment_score":0.03153335631398831},{"text":"Wow. Nice car. Is it good?","start_word":1442,"end_word":1447,"sentiment":"positive","sentiment_score":0.5446023344993591},{"text":"Is it good to drive?","start_word":1448,"end_word":1452,"sentiment":"neutral","sentiment_score":0.3147995173931122},{"text":"Oh, it's lovely. It's lovely Yeah. to do that.","start_word":1453,"end_word":1461,"sentiment":"positive","sentiment_score":0.5784967541694641},{"text":"Yeah.","start_word":1462,"end_word":1462,"sentiment":"neutral","sentiment_score":0.27070510387420654},{"text":"Oh, fantastic.","start_word":1463,"end_word":1464,"sentiment":"positive","sentiment_score":0.5523068904876709},{"text":"Is it kind of your plan to utilize that for traveling? Or Yeah. Yeah. Because we still wanna buy a caravan, so we wanna use it to pull a caravan. But that yeah. won't be that won't be for a couple of Understandable. Absolutely. And how much do you have sitting on the loan? years. Did you borrow the full amount of the vehicle or just the portion of it? Oh, stop it. Most of it? That's okay. How much do you have owing on it I've got no idea. Haven't looked still? No. at it recently. That's okay. I'll just note down essentially because you borrowed most of it. Are you comfortable if I just note down maybe the 400,000 being borrowed, Yeah. and we can kinda work from there for you? Yeah. Yep.","start_word":1465,"end_word":1599,"sentiment":"neutral","sentiment_score":0.02684316225349903},{"text":"Beautiful. Excellent.","start_word":1600,"end_word":1601,"sentiment":"positive","sentiment_score":0.4893931746482849},{"text":"And you also made mention there that you're wanting to buy a caravan. Is that something you're wanting to do with some of the funds within your super when you retire, or are you planning to save outside of super to be able to purchase the caravan? Well, we wanna on a day for most of it, but, yeah, we might need some out of our super, or we Yep. might take another loan. Yeah. No. That's okay. And then last absolutely. Do you know how much the caravan's expecting to cost? No. Because I think you've gone up quite a lot in the last few Yeah. Yep. And you're sort of after something you can take off road and enjoy with all the mod years. Yeah. Not we don't wanna go hugely off roading. We've got cons? yeah. Just Yep. mainly That's okay. mainly between caravan parks. Yeah. No. Understandable. And then having a bit of a look back at your goals recently over the last couple of years, something that yourself and John had sort of pointed out was that you was were sorta also hoping to use about 400,000 to buy a house out of your supers. Is that still something that you're both sort of looking to maybe do, or are you sort of not thinking that's the way to go? What's your thoughts with Yeah. that We're goal? still thinking about doing that. Yep. Yeah. That's okay. So with that one there because it said here that you were sort of hoping to essentially use about 400,000 between the two of you to purchase a home and then live off income out of super with the amount that are left over. In order to look at doing that, we would need to look at ways to be able to boost your super fairly considerably to get that up. Are you open to salary sacrificing or making additional contributions to super to kind of help provide that boost and get more money into super for the long term? Yes. I am going to look into that, but I'll have to it'll have to be after my car's paid off. Okay. So in six years' time. No. This car my flight, Oh, some your car. some yeah. Sometime next year after my car's paid off and my personal loan, which paid off November this year. Okay.","start_word":1602,"end_word":2000,"sentiment":"neutral","sentiment_score":0.05922695127476875},{"text":"Beautiful.","start_word":2001,"end_word":2001,"sentiment":"positive","sentiment_score":0.3517470955848694},{"text":"And, yeah, I need to pay a chunk off my credit card too. No. Understandable. What I would look at doing for you, if you would like, is I could always update the advice to reflect maybe making additional contributions. We can Yes. look at providing that advice now if you decide to sort of hold off until next year to make those contributions.","start_word":2002,"end_word":2065,"sentiment":"neutral","sentiment_score":0.06042646989226341},{"text":"That's honestly fine and up to yourself.","start_word":2066,"end_word":2072,"sentiment":"positive","sentiment_score":0.3738876283168793},{"text":"But it is just about providing the advice and showing you the benefits of those additional contributions, what it can look like over the next couple of years towards your retirement goals.","start_word":2073,"end_word":2104,"sentiment":"neutral","sentiment_score":0.3203705847263336},{"text":"It provides you with the advantages, the disadvantages, and the risks involved so you have all the information to be able to take forward and make that decision.","start_word":2105,"end_word":2132,"sentiment":"positive","sentiment_score":0.35088998079299927},{"text":"Does that sound like something you'd be open to? Yes.","start_word":2133,"end_word":2142,"sentiment":"neutral","sentiment_score":0.21485193073749545},{"text":"But I can't I I can't afford to do it until next year.","start_word":2143,"end_word":2155,"sentiment":"negative","sentiment_score":-0.5512472987174988},{"text":"Okay. No. That's okay. If you like, what we can do is we can just maybe hold off the advice around the contribution aspect, and we can maybe touch base early next year and rediscuss that. Would that be more appropriate, more comfortable for you? Yeah.","start_word":2156,"end_word":2201,"sentiment":"neutral","sentiment_score":0.014095045828624912},{"text":"That would be good.","start_word":2202,"end_word":2205,"sentiment":"positive","sentiment_score":0.48715701699256897},{"text":"John's already Okay. making John's making extra payments on his. Yep. But Beautiful. when his business is closed down properly, which hopefully will be and the issue beginning and the because he's not operating. We've got we've got money that we have to pay into my we'll be paying into my super account that the business owes me. Okay. Okay. So some additional funds coming in there. Yeah. And is that John's I think business it's the that's closing down? Or yeah. Yeah. I Yep. think it was about 20,000 or something that gotta pay me something like that. Between Yep. 10 and 20,000. I've gotta Yep. go in. No worries. No worries. Do you know roughly when that's expected to receive back in super? No. Because we're dealing with at the moment. They've got to reinstate a ABN number. Okay. And and then they've got to release the funds that we've got 60,000 in an account, but they've got to release it Yes. Okay. No worries. It sounds like you're going through a little bit there. It's a bit of a well, hopefully, that all gets sorted fairly soon there for you. Yeah. Yeah. I'll make a note that we can touch base on that again early next year. So maybe if we sit down and do a catch up in about six months' time, that brings us to about the March 1. We can reassess contributions, look at where you're at with that $20,000 deposit as well, and we can always factor into the advice how to make that $20,000 deposit into super to benefit you the most. Does that sound okay? Yep.","start_word":2206,"end_word":2480,"sentiment":"neutral","sentiment_score":0.028407026082277295},{"text":"That sounds good. Perfect. I'll say the March 1. Excellent. Fantastic.","start_word":2481,"end_word":2491,"sentiment":"positive","sentiment_score":0.4554482698440552},{"text":"The other thing to sort of have a look at now, you kinda did mention last time that you were hoping to access Uber at around about age 67. Yes. The with you having that new loan, and you kinda mentioned you wanted to have the Ford Everest paid off prior to you retiring. Is that right? Yes. Yeah. Or Yep. at least Yep. nearly nearly paid off. Nearly paid off. That's okay. Because being that you're 62 years of age now, essentially, up to age 67 gives you five years away. So are you more likely to maybe work a little bit longer than age 67, or are you definitely wanting to stop work at 67? That's kind of a not, you know, not something you wanna change? I'm I'll probably end up working a bit longer. Working a bit longer. Yep.","start_word":2492,"end_word":2634,"sentiment":"neutral","sentiment_score":-0.09625754505395888},{"text":"That's okay. Perfect. Excellent.","start_word":2635,"end_word":2638,"sentiment":"positive","sentiment_score":0.5217496156692505},{"text":"What I wanted to do as well is just run through a quick risk profile questionnaire just to kinda gauge where you're sitting because you are in more of a growth kind of portfolio. You you are sort of seeing about 80% of your super in those growth assets. So I think things like Australian shares, international shares, property, and then some, you know, gold and silver and commodities and precious metals in there as well. So in Yes. that kind of environment, it does suit someone who has at least six years before accessing their super. Realistically, with that 80% invested in those growth assets, you are sort of hoping to obtain around about a seven to 9% on a yearly basis, but we understand the likelihood of a negative return is expected kind of one in every five years as well. So that's sort of why when you are about sort of five to six years from accessing your super that we wanna start looking at trying to reduce the risk level a little bit for you to kind of start protecting Yes. your capital there. But it also comes down to are you more likely to actually retire at 67, or are you, you know, happy to work a little bit longer? So if we sort of got close to, you know, age 65 or 66 and we saw a bit of a market dip and things weren't really, performing as well, are you open to working to age 67, 68, 69, 70 to kind of allow your portfolio to come back, or are you more, you know, ready to retire, you've had enough, and you really wanna stop working? How do you think you might sort of act in that scenario? I'm probably probably not going to retire before '68. You know? Yep. Not before 06/08. Yep. That's okay.","start_word":2639,"end_word":2951,"sentiment":"neutral","sentiment_score":-0.008617481547251594},{"text":"Perfect.","start_word":2952,"end_word":2952,"sentiment":"positive","sentiment_score":0.43315330147743225},{"text":"The other sort of question I have here is thinking about your super and the type of risk level that you are taking, do you consider yourself comfortable taking on a higher level of risk in the market to try and get greater potential returns? Are you maybe comfortable taking a moderate or medium amount of risk to get the best returns possible, or are you not very comfortable taking risk in the market and knowing the returns are lower because of that? Where do you think you sort of fit there? I probably prefer the high at the moment. You would? Yep. That's okay. Comfortable taking on a higher level of risk to get greater potential returns even though you are aware there is a downside Yeah. as well. Does that sound okay? Yep. Yep. Yep.","start_word":2953,"end_word":3089,"sentiment":"neutral","sentiment_score":-0.018651623278856277},{"text":"Beautiful.","start_word":3090,"end_word":3090,"sentiment":"positive","sentiment_score":0.40775981545448303},{"text":"Another fun one for you. If you saw the mark fall by 20% in the next one to two years, how do you think you might react? Do you think you'd be wanting to put more money into the super, make take advantage of the downtime? Are you a bit concerned and maybe holding and waiting and calling us to see what we think you should do? Or are you feeling really concerned and wanting to maybe sell your investments to cash? How do you think you might react? I'll probably give you a call. Yep. Beautiful. Yep.","start_word":3091,"end_word":3188,"sentiment":"neutral","sentiment_score":-0.03795817121863365},{"text":"Excellent.","start_word":3189,"end_word":3189,"sentiment":"positive","sentiment_score":0.3963465094566345},{"text":"Excellent. The next one here is have you ever seen your super fall in value in the past? So thinking about market dips because we understand they do happen. And over the next, you know, five, six to ten years, there is going to be some sort of a market dip. We know that that is a possibility. How do you think you might feel if you saw your super falling value? Are you feeling optimistic about the investment opportunity? Money you wanted to put some money into the market? Are you cautious, concerned, or feeling anxious? How do you think you might be feeling? I'm aware that the market does dip and Yeah. rise. Yeah. Yep. That's Yeah. okay. So no. I'm I'm not not worried about it. No. That's okay. Is it it sounds like you're you're not sort of really concerned or anxious. Do you think you'd be maybe just cautious or optimistic? Where do you think you fit on that scale?","start_word":3190,"end_word":3354,"sentiment":"neutral","sentiment_score":-0.053104406233989834},{"text":"Pretty much optimistic. Optimistic? I love it.","start_word":3355,"end_word":3361,"sentiment":"positive","sentiment_score":0.5714834928512573},{"text":"And the last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds, or would you only ever wanna borrow for, say, property? The property is not all that safe. Nothing is unfortunate. There's no such thing as a safe investment. They're all Yeah. going up and down. Yeah. Yeah. I have invested in shares before, but You have? Yep. but we have I didn't take out a loan. That was just money that Your money? well, actually, it was Yeah. my previous husband and I, we had oh, what was it? It was the the mortgage where you paid all your money into the the mortgage and then you paid off you had spent everything on a credit card, and you paid off the credit card at the end of the month. So we Yeah. actually Right. paid it's a home loan. So we paid our we actually paid our home loan down quite a lot, and we used the equity in the home loan to to buy shares. Yep. Okay. Yeah.","start_word":3362,"end_word":3545,"sentiment":"neutral","sentiment_score":-0.005349676124751568},{"text":"Perfect.","start_word":3546,"end_word":3546,"sentiment":"positive","sentiment_score":0.3466392159461975},{"text":"So it's a different sort of way of borrowing to invest. Yeah. Absolutely. Yeah. Yeah.","start_word":3547,"end_word":3561,"sentiment":"neutral","sentiment_score":0.09165527671575546},{"text":"Beautiful.","start_word":3562,"end_word":3562,"sentiment":"positive","sentiment_score":0.4858705997467041},{"text":"How did you find that when you did it? Was it something you would ever do again, or you were quite happy doing it back then and never again? How did you find I'm quite happy to do it again. However, I don't know that it? John is quite happy. Yeah. But we haven't got a home loan anyway at the moment. So No. No. That's okay. And when you because one of your goals is to be able to draw money out of both of your supers to purchase a property down the track. Would that be your main primary residence, or would you be sort of focusing on borrowing to, in like, to rent the property out? Well, we want to buy a house to live in, Yep. but we might buy it earlier so that we rent it out for a while before we can Yep. live in it. Yeah. Yeah.","start_word":3563,"end_word":3716,"sentiment":"neutral","sentiment_score":0.028241269520254103},{"text":"Absolutely. Perfect. Excellent. Well, thank you for that.","start_word":3717,"end_word":3724,"sentiment":"positive","sentiment_score":0.6041392683982849},{"text":"Now you have scored in that kinda growth environment, that range, and that's where you're sitting at the moment with that 80% and those growth assets. We always like to make sure you do have some lower risk defensive investments in your portfolio. And in a growth environment, you'd expect about 20% invested in cash, bonds, and fixed interest. So it's about having a mix of high risk investments to get growth, but also some lower risk investments for defensiveness. So when, you know, the shares or the market might be a bit volatile, some of those lower risk defensive investments should be income producing and fairly steady to help even out market returns over the longer term there. Yes. Are you fairly comfortable staying in that for a few more months and we maybe reevaluate that in six months' time, or would you like to start reducing your risk level now? No. How I'm do quite you feel? I'm quite happy to stay as it is. Yep.","start_word":3725,"end_word":3892,"sentiment":"neutral","sentiment_score":0.1342867910861969},{"text":"Beautiful. Beautiful.","start_word":3893,"end_word":3894,"sentiment":"positive","sentiment_score":0.48685258626937866},{"text":"Well, what we'll do is I'll put a little marker aside that will touch base in March. We'll do a bit of a six month review with how things are tracking within your super, look at making additional contributions, and look at what we can do moving forward, and maybe update the advice to reflect everything then. How does that sound? Yep. That Yep.","start_word":3895,"end_word":3958,"sentiment":"neutral","sentiment_score":0.15606403350830078},{"text":"sounds Beautiful. Excellent.","start_word":3959,"end_word":3961,"sentiment":"positive","sentiment_score":0.4993967115879059},{"text":"Now the only other thing to kinda look at with regard to those documents that we were looking at before is you don't have any personal insurances, good. the life TBD, income protection, protection trauma, essentially, given not having any of those. Are you happy not having any personal insurances? Did you wanna sort of talk about what they are, how they can provide benefit, or are you just comfortable in trying to boost your super for retirement? What's your thoughts there? We have we have some life insurance. Okay. Private life insurance. Yeah. Yep. That's okay. It's And is that just paid good. out of your back pocket? Yeah. We pay for that. Yeah. Yep. That's okay.","start_word":3962,"end_word":4079,"sentiment":"neutral","sentiment_score":0.02481328228772697},{"text":"Beautiful.","start_word":4080,"end_word":4080,"sentiment":"positive","sentiment_score":0.5004391670227051},{"text":"Life insurance paid personally.","start_word":4081,"end_word":4084,"sentiment":"neutral","sentiment_score":0.2981569766998291},{"text":"Beautiful.","start_word":4085,"end_word":4085,"sentiment":"positive","sentiment_score":0.369421124458313},{"text":"How much are you covered for with life cover? It just changed it. We changed to golden. I'm covered for more than Johnny.","start_word":4086,"end_word":4108,"sentiment":"neutral","sentiment_score":-0.046241167932748795},{"text":"I have to work this summer. You've made it feel worse more.","start_word":4109,"end_word":4120,"sentiment":"negative","sentiment_score":-0.4798969030380249},{"text":"Well, that's because he smokes. Alright. His The smoke his is payment right. Yep. his payment is still fine. That's fine. Mhmm. Yes. Smoke is right. Yes.","start_word":4121,"end_word":4147,"sentiment":"neutral","sentiment_score":-0.08243996649980545},{"text":"That makes it very expensive.","start_word":4148,"end_word":4152,"sentiment":"negative","sentiment_score":-0.3483200669288635},{"text":"When he stopped for twelve months, they might be willing to review that for him. Yeah. They might. But we can we we can't stop in the starting place. Yeah. Oh, good on him for stopping.","start_word":4153,"end_word":4188,"sentiment":"neutral","sentiment_score":-0.07302279770374298},{"text":"That's fantastic.","start_word":4189,"end_word":4190,"sentiment":"positive","sentiment_score":0.43955954909324646},{"text":"It's not easy. What is this? Let's 150,000 is mine. Beautiful. So a 150,000 there. Excellent. And who's the insurer of the policy? Who's it insured with? Golden. I'm so sorry. Can you repeat that for me? Golden Wealth Insurance. Golden Life Insurance. Yeah. Perfect. I mean, if they have to ring it up. Yeah. And When you we just were pay the pre sorry. yeah. We just transferring in porting out here. Fortnightly. Yep. That's okay. And are you happy just keeping that aside and kind of altering it as you need to? Did you want us to look at maybe adding a third party authority to help you kinda look after the policy? Or Just for now, I'm happy to keep it, but yep. might just bust it again next year. We've Yeah. only Absolutely. it's it's only a couple of months since we changed it. So Yeah.","start_word":4191,"end_word":4340,"sentiment":"neutral","sentiment_score":-0.009719765838235616},{"text":"Absolutely. That's not a problem at all. Beautiful. Excellent.","start_word":4341,"end_word":4349,"sentiment":"positive","sentiment_score":0.5259819030761719},{"text":"The other thing this will look at is the beneficiary side of things. So I'm just having a quick look at your super to have the beneficiaries. Now just kind of reaffirming, have you guys spoken about doing up a will, power of attorney documents, estate planning, or seeking the services of a solicitor to draw off any of those documents? We are discussing doing a will, and we keep we keep saying we've got to do it, but we haven't got around to it. Yeah. We did have beneficiary paperwork sent out to us, but we haven't filled it up. And I'm not even sure where it is at the moment. No. That's okay. Would you like us to resend the documents to you, Yes. and This would is you just like right. me to help by preselling them for you as well? Yes. Yeah. That Yep. would be correct. Yeah.","start_word":4350,"end_word":4501,"sentiment":"neutral","sentiment_score":0.02368265576660633},{"text":"Fantastic.","start_word":4502,"end_word":4502,"sentiment":"positive","sentiment_score":0.38823360204696655},{"text":"Not a problem. So, yeah, I can see there's no beneficiary noted on file here. So if in the event that something was to happen to you, where would you like your super directed to? John. John? Beautiful. And we do have all John's details here. Are you happy Yep. for us to prefill the document with his information for you to make it easier? Yep. Beautiful. I will just double check that I have everything correctly. What's his date of birth just to confirm? 02/16/1967. 1967. Beautiful. Yep.","start_word":4503,"end_word":4591,"sentiment":"neutral","sentiment_score":0.09898027777671814},{"text":"Thank you for that.","start_word":4592,"end_word":4595,"sentiment":"positive","sentiment_score":0.3405558168888092},{"text":"You're 70. Is it is it noted on there that we're married now? No. But I will update that. Congratulations. When did you get married? Yes. 2024. So it's just over two and a half years roundabout. Wow. Well, Yes.","start_word":4596,"end_word":4635,"sentiment":"neutral","sentiment_score":0.0391443595290184},{"text":"congratulations. That's fantastic.","start_word":4636,"end_word":4638,"sentiment":"positive","sentiment_score":0.410832554101944},{"text":"Yes. That was January. January Yep. 2024. Beautiful. I'll make an update there. So married. Excellent. Now is your surname remaining the same under Patterson? Yes. Did you need to update any of those details? No. I haven't changed it. No. That's okay. Too complicated at work to change it because I probably change all my passwords and everything. Yeah. No. Understandable. Not a problem at all. So I'll make a note here that we'll get the beneficiaries prefilled for you and sent out. Now just to kinda go through a couple of details, there are some additional things to think about when you are nominating a beneficiary, and one of those is essentially what kind of beneficiary you want nominated. They have three different kinds. They have nonbinding, which means that you can tell the trustee what you want, but, ultimately, they make the call and can decide which way they're gonna go with the the benefit payout. You Yes. also have a binding lapsing, which makes the trustee follow your direction, but you have to update the form every three years, or they have a binding non lapsing, which means we can fill it out now, have it on file or on file with the super funds. It is binding the trustee to follow your direction, and you don't have to refill the format unless you wanna alter your nomination. Do you know which way you would be comfortable going? Yeah. The binding non matching. Yeah. We'll fill it out once and make it easier.","start_word":4639,"end_word":4895,"sentiment":"neutral","sentiment_score":0.05681014743702421},{"text":"I like it.","start_word":4896,"end_word":4898,"sentiment":"positive","sentiment_score":0.464028924703598},{"text":"Yes.","start_word":4899,"end_word":4899,"sentiment":"neutral","sentiment_score":0.3175782263278961},{"text":"Fantastic.","start_word":4900,"end_word":4900,"sentiment":"positive","sentiment_score":0.5641272068023682},{"text":"And I'll make a note here that you are discussing doing up your power of attorney and will and everything as well. Okay? Yes. Yes. Having that done.","start_word":4901,"end_word":4928,"sentiment":"neutral","sentiment_score":0.19373762607574463},{"text":"Beautiful.","start_word":4929,"end_word":4929,"sentiment":"positive","sentiment_score":0.45521822571754456},{"text":"Other than that, I just need to run through and update some additional details with your assets and liabilities on file. Now Yes. we had it noted here.","start_word":4930,"end_word":4957,"sentiment":"neutral","sentiment_score":0.13482491672039032},{"text":"I've got your Ford Everest there, which is fantastic.","start_word":4958,"end_word":4966,"sentiment":"positive","sentiment_score":0.41290655732154846},{"text":"Yes. I also had last time a Subaru CXU. Is that your vehicle that you're currently paying a loan Yes. off? Yes. Yep. Beautiful. I'm just gonna note that over here as well. And you said that's due to be fully paid off around November. Is that right? No. That's February February next year.","start_word":4967,"end_word":5020,"sentiment":"neutral","sentiment_score":0.0794684961438179},{"text":"Beautiful. Excellent.","start_word":5021,"end_word":5022,"sentiment":"positive","sentiment_score":0.4274386763572693},{"text":"And, roughly, what kind of next value would you put on that Subaru CXU at year. the moment? Oh god. I've got no ID. If you had Not to sell the asset, what would you want for it? I don't know. I haven't really looked at it because I'm not planning on selling it. That's okay. I can quickly No. We pull I I know I paid up 48,000 for some it, but I can't I don't know what it's worth now. no. That's okay. So having a look here at the moment, it's sort of saying average valuation Around about 20 to 22,000 currently. Yeah. I was we're getting maybe 30, but, yeah, $20.22. Yep. Yeah. That's okay. Did you want me to put 30 down? It's whatever value it is to you that's important. Because that one, we tend to get more customers. No. Absolutely. I'll note down that as 30. Not a problem. And do you know how much you still have on the loan that will be paid off? No. I don't. No. That's okay. Not a problem at all. The other thing I had down here was your rent. You were paying about $680 per week last year. Has your rent gone up or down or altered in any way? No. It hasn't changed. We signed a new lease at the same length.","start_word":5023,"end_word":5250,"sentiment":"neutral","sentiment_score":-0.05334121380981646},{"text":"So Beautiful. Fantastic.","start_word":5251,"end_word":5253,"sentiment":"positive","sentiment_score":0.4578588902950287},{"text":"And I've also got a personal loan down here, and the amount you had owing on that was around about 6,437 last year. Has that reduced The personal a little bit? line? I'm not Yeah. no. It's under 1,000. Just let me get in here, and I'll have a look. That's that's okay. You're fine. What does it say here? 995.","start_word":5254,"end_word":5314,"sentiment":"neutral","sentiment_score":0.04742931202054024},{"text":"Oh, beautiful. Fantastic.","start_word":5315,"end_word":5317,"sentiment":"positive","sentiment_score":0.3888739049434662},{"text":"Yeah. That's the one that's due. It's been paid off shortly. In November.","start_word":5318,"end_word":5330,"sentiment":"neutral","sentiment_score":0.16390874981880188},{"text":"Beautiful.","start_word":5331,"end_word":5331,"sentiment":"positive","sentiment_score":0.39031943678855896},{"text":"I had also contents down here. So an estimated value of contents at about 100,000. Would you keep your contents valued Yep. at about Yep. 100 Yep. thousand? Yep.","start_word":5332,"end_word":5360,"sentiment":"neutral","sentiment_score":0.07500284910202026},{"text":"Beautiful.","start_word":5361,"end_word":5361,"sentiment":"positive","sentiment_score":0.4157820343971253},{"text":"And then I also had noted down here a credit card. We had a limit of 8,000 and owing about 7,000 at the time. Yeah. That's still that's fine. About the same?","start_word":5362,"end_word":5393,"sentiment":"neutral","sentiment_score":0.051531471021007746},{"text":"Beautiful. Thank you for updating that.","start_word":5394,"end_word":5399,"sentiment":"positive","sentiment_score":0.5195643901824951},{"text":"Is there any other assets or liabilities or anything else you would think we should note down here at all? No. Not for me. Nope. That's okay. Beautiful. Well, Thank you so I've Bye half of the half of the Everest is the Everest is in joint name. So bye. In joint names. Okay. yeah. The orange 50 percentage. Yeah. Yep.","start_word":5400,"end_word":5460,"sentiment":"neutral","sentiment_score":0.08624814450740814},{"text":"Beautiful. Thank you so much for that. Really appreciate it. Excellent. So we've pretty much covered off most things. Your super is working quite well.","start_word":5461,"end_word":5485,"sentiment":"positive","sentiment_score":0.49403926730155945},{"text":"The obviously, the return is a bit lower than expected this year, but there has been some adjustments made to the portfolio. So we'll just kinda keep monitoring that. You're fairly comfortable remaining in that growth kind of environment for another few months. We'll reassess things in March and also consider additional contributions Yep. and further goals there. You've kind of made note to me that you're more realistically wanting to retire at age 67, but happy to keep working longer and probably will work a little bit longer as well. And I'm back last year, we also had it noted that in retirement, you were looking to live off about a thousand dollars combined, so roughly 500 per week from each of your supers. Does that still sound fairly accurate? Yes. Yep. Yep. Because we won't be living in Darwin. Darwin, we couldn't do that. No. That's Because we okay. can't live up here. Yeah. I mean, you'll be retired. You can live wherever you want. Oh, no. We're going back to South Australia. Going back to South Australia. Perfect. Yep. Beautiful. I had a notice of a while ago that one of your medium term goals with the caravan was you were expecting to pay around about 60,000 for that. Does that sound fairly accurate? Do you think that might cost a bit more when you get to purchasing the Right now, we can get a decent secondhand caravan? one for about 60,000. Yep. New ones, we had a look at them last week. We went into Jayco and had a look. Anything Yeah. from probably 80 to 100 and over 100,000, which we're not looking at. Okay. So, yeah, about about 60 at the moment. Yeah. Yep.","start_word":5486,"end_word":5775,"sentiment":"neutral","sentiment_score":0.04159374226783884},{"text":"Beautiful. Lovely.","start_word":5776,"end_word":5777,"sentiment":"positive","sentiment_score":0.6093777418136597},{"text":"I've got down here that with insurance wise, you're not looking at getting any new insurances. You're happy with the life cover you have paid out of pocket or paid personally. Yeah. Is that sound right? Is that anything else there that you think I've missed or wanted to kinda touch on? Or No. That that no. was pretty much with Excellent. we might talk Weird. about our life insurance when when we talked to you in March. Yeah. Absolutely. And if you wanted to, I could make it a joint conversation with yourself and John so we can kind of look at doing things jointly. That way, we kind of get an idea of where you're heading together. But It's a personal yep. opinion. You don't have to do things jointly, but that's always an option if the two of you would like. I'm more than Yeah. happy Yeah. to set We're that we're up for quite you. happy we're quite happy Yeah. to do it, didn't we? But right Beautiful. now, I can't tell you when we're off together. So No. That's okay. That's completely understandable. The only other documents we have in there for you are the financial services guide, which outlines everything about who we are, what we do, how we do it. It also notes our fee structure. So, obviously, you're an yes. ongoing service client, so it does mean you pay a fee for our services, trust looking after your super, making changes, and working towards your goals, and providing additional advice there. The ongoing service fee has been 1.65 percent ongoing for the last few years. Currently not changing at all, but moving forward, we're gonna have more of a tiered structure. So when your super balance hits over 200,000, you'll essentially move into the next tier, and any and the Yep. fee will drop to 1.375, essentially. So Okay. moving forward to be more of a tiered structure, the idea is we wanna make sure your balance is increasing and meeting your goals, but also making sure that we're able to be paid for our services. The cost of advice and everything around business has gone up. This is the cost of living has gone up for everybody, Yep. so we need to make sure that our ongoing service fee is more in line with that. And our ongoing service fee, the documents have always outlined an approximate fee. Moving forward, our fee will be much more stipulated. So, essentially, we'll work out how much you will pay for that year. It'll be set as a set a fixed dollar figure amount, and you won't pay more than what we state in the ongoing service agreement. So it'll also Okay. give you a lot more structure around the expectation there. Okay? Yep.","start_word":5778,"end_word":6247,"sentiment":"neutral","sentiment_score":0.05784973207306355},{"text":"Excellent.","start_word":6248,"end_word":6248,"sentiment":"positive","sentiment_score":0.4690802991390228},{"text":"So the last document is the ongoing service agreement there. Because your balance is under that 200,000 still, it's still the 1.65%. So no Yep. additional changes there. It's just noted as a fixed dollar. So we know for this year, the total fee payable to us will be $2,342.22. That is Yep. the total for the full year, and it will be deducted in smaller monthly increments out of your super. That way, you sort of understand. I just wanna make sure that, you know, moving forward, I can do the catch up with you in March so we can make sure we're providing that advice and moving forward and helping you along. Because you are getting closer to retirement, it's really important to me that you're able to reach your goals and be able to access your super to do the things you want. The only Yep. goal that I am sort of concerned might be very hard to achieve is the utilizing your super to purchase a home. That Yes. could decrease your super very heavily, but I'd like to reassess that goal jointly with you both if you're comfortable to do that. Okay? Yep. Yeah. Yep. Yep.","start_word":6249,"end_word":6449,"sentiment":"neutral","sentiment_score":0.08283764123916626},{"text":"Beautiful.","start_word":6450,"end_word":6450,"sentiment":"positive","sentiment_score":0.5137569904327393},{"text":"I've got everything sort of sorted here. So once you've kinda gone through those documents, if you're comfortable to, we'll ask you to sign and return those back there for us just so we can keep providing our services and looking after everything. Did you have any other questions or anything I haven't touched on that might have been important to you there, Rosalie? No. I don't think No. so. No. So That's if okay. yeah. I click the click Yeah. to start thing on the bottom here. Is that what I'm doing? That's correct. Yeah. And it should just take you through so you can click on the button to press the sign, and it should prepopulate your signature for you to make it easier. I didn't do that. What's it doing for you? It's just brought up member's full name signature and date. It hasn't brought up her. It says the next. I can't, but I've gotta fill this out before I click next, don't I? Yeah. You do. So if you click on the button that says name or signature, it should allow you to prepopulate it. It should come up with a little Oh, here we go. Time sign. to leave. That'll do. Yep. Yep. It's not populating my name. Oh, maybe If it you click had. on it is it doing anything if you click on it? I did well, it's got an extra r in it. Can I change that? I Yeah. don't I'm sorry. think so. I'm so sorry. Right. So now now it says the right thing. Okay. Perfect. Date. What is the date? It's the first, isn't It's it? the September 1. Yeah. It's crazy. The year is flying by. I want September 2026. Alright. I think that should be things that were in there. That's okay. And then if you press next or finish at the very bottom, it should allow you to come back through. What's this phone check phone number? Oh, yeah. That's just letting you know that we do hold your tax phone number. So just basically the privacy around doing so and just making sure that you're comfortable with us doing that Is that coding? Sorry. Bringing it up. still. I can't read No. it. That's that's okay. You're fine. Date signed. Yep. That's done that.","start_word":6451,"end_word":6840,"sentiment":"neutral","sentiment_score":0.0730019925448757},{"text":"Perfect.","start_word":6841,"end_word":6841,"sentiment":"positive","sentiment_score":0.4643676280975342},{"text":"And then is there a button that says next or finished? Or It's validate. I just hit that. Yep.","start_word":6842,"end_word":6860,"sentiment":"neutral","sentiment_score":0.07698650658130646},{"text":"Oh, excellent.","start_word":6861,"end_word":6862,"sentiment":"positive","sentiment_score":0.4297997951507568},{"text":"This is loading. Yeah. That's that's okay. My systems have been a little bit slow today too. I think it's the September 1 blues. The computers are all aware of it. Yep. Here we go. Are you getting some time off over Christmas in the next few months, or do you have to work all the way through with your job? This is I haven't got any leave. I've got leave in November. I've just changed it. So I only got I've got well, it works out to be a block a block off, which is two weeks. Yeah. Okay. Beautiful. And have you got a pay rise at all? Had you down about 90,000 last year. Have you managed to get a pay rise in San at all? Yeah. We got a pay rise.","start_word":6863,"end_word":6997,"sentiment":"neutral","sentiment_score":-0.060129642486572266},{"text":"Beautiful.","start_word":6998,"end_word":6998,"sentiment":"positive","sentiment_score":0.356563925743103},{"text":"My salary is 70 I think it went up to 79 something. Yep. And Is you that do quite that a bit of overtime that's about penalties. yeah. That's Yeah. about 10 or two. Yeah. I think I earned over Yes. a $100. Yeah. Excellent. Financial And the last you sorry. I haven't You're right. Sorry. Angus is barking. I don't know what he's barking at. Someone probably moved some streets away. Yeah. No. Where's That's my all good. where's my tech And that email has just come through to me there as well, Rosalie. Thank you so much for that. return? So my taxable income according to my tax return, which I haven't got the official one back from the government. Yeah. Taxable income last year was 106,000.","start_word":6999,"end_word":7127,"sentiment":"neutral","sentiment_score":-0.01785323955118656},{"text":"Oh, fantastic. That's excellent.","start_word":7128,"end_word":7131,"sentiment":"positive","sentiment_score":0.4597360789775848},{"text":"And then lastly, when we caught up, you were hoping the pay rises on the the forefront, but hadn't really had any confirmation yet.","start_word":7132,"end_word":7155,"sentiment":"neutral","sentiment_score":0.013642851263284683},{"text":"That's really We got good.","start_word":7156,"end_word":7160,"sentiment":"positive","sentiment_score":0.3599945902824402},{"text":"yeah. We got a pay rise last year and a a pay rise for the next three years was what got signed off on. So we just had Mhmm. our second one. Yep.","start_word":7161,"end_word":7193,"sentiment":"neutral","sentiment_score":0.12757816910743713},{"text":"Beautiful.","start_word":7194,"end_word":7194,"sentiment":"positive","sentiment_score":0.5388418436050415},{"text":"We just had the second one. Just took it up to 79 plus. Plus penalties. I haven't seen what the penalties went up by yet. That's next pay sheet. No.","start_word":7195,"end_word":7224,"sentiment":"neutral","sentiment_score":0.06073427200317383},{"text":"Well, that is fantastic. Well, look. Thank you so much.","start_word":7225,"end_word":7234,"sentiment":"positive","sentiment_score":0.5507878661155701},{"text":"So that the email has come through. That's all signed. What we'll do is Yep. I'll hold everything for the moment as it is. I'll just keep monitoring things moving forward, and then I'll have a little task. My team will touch base probably end of February to book you in in around about March, and we'll probably see if John wants to be included in that. And we can maybe do a a bit of a conversation around That how we boost sleep and what we do goals wise for the both of you. How does that sound?","start_word":7235,"end_word":7333,"sentiment":"neutral","sentiment_score":0.1848374605178833},{"text":"sounds good.","start_word":7334,"end_word":7335,"sentiment":"positive","sentiment_score":0.34096595644950867},{"text":"Is John Beautiful. due for his twelve monthly review or not? Not yet. I will double check when for you. Because he was asking, but I have a feeling he did it earlier on. Okay. What I'll do is I'll go back and double check. Is that He's in bed at the moment, so he's is working he not tonight. feeling well or just sleeping? No. He's he's working tonight. Oh, okay. Yeah. That's absolutely fine. It's not coming up for me. I will go back and double check, and I might just get the team to touch base anyway with him. We'll book in his annual review in the next few weeks. That way, we can kinda get everything on track and kind of align everything for the two of you a little bit better. How does that sound?","start_word":7336,"end_word":7475,"sentiment":"neutral","sentiment_score":0.05109125375747681},{"text":"That sounds good.","start_word":7476,"end_word":7478,"sentiment":"positive","sentiment_score":0.4808039963245392},{"text":"Yeah.","start_word":7479,"end_word":7479,"sentiment":"neutral","sentiment_score":0.2868196964263916},{"text":"Beautiful.","start_word":7480,"end_word":7480,"sentiment":"positive","sentiment_score":0.5177922248840332},{"text":"Yeah. You won't be able to leave him a voice mail, though, because he hasn't set it up properly yet. That's okay. We'll send text messages and emails as well. No Yeah. need to worry. We'll make sure we get Yeah. a hold of him. But, Yeah. honestly, It just thank comes you up when his voice mail is full. So that's okay.","start_word":7481,"end_word":7543,"sentiment":"neutral","sentiment_score":0.013886871762455457},{"text":"Well, thank you so much for your time today, Rosalie. I'll let you go to enjoy your day, and I'll touch base with you in about March. And we'll see how things are going then and update the advice to the both of you.","start_word":7544,"end_word":7587,"sentiment":"positive","sentiment_score":0.5700686573982239},{"text":"Okay. Okay then. Yep.","start_word":7588,"end_word":7591,"sentiment":"neutral","sentiment_score":0.2235065400600433},{"text":"Thank you very much. My pleasure. You enjoy your day. Yeah. I've got that work it up by three. Oh, wow. Well, you enjoy your afternoon. Don't work too hard, and I hope you have a lovely weekend ahead. Yep. Thank you. You have My enjoy pleasure. your Talk weekend. Thank you. thank you, Lar thanks, Leslie. See you later.","start_word":7592,"end_word":7651,"sentiment":"positive","sentiment_score":0.5770667195320129},{"text":"Bye.","start_word":7652,"end_word":7652,"sentiment":"neutral","sentiment_score":0.3116636276245117},{"text":"Thank you.","start_word":7653,"end_word":7654,"sentiment":"positive","sentiment_score":0.5896336436271667},{"text":"Bye bye.","start_word":7655,"end_word":7656,"sentiment":"neutral","sentiment_score":0.30181488394737244}],"average":{"sentiment":"neutral","sentiment_score":0.07428178654701034}}}}