{"metadata":{"transaction_key":"deprecated","request_id":"019dd2f8-94e6-72b0-87f8-05e9fc289adc","sha256":"3123f5519c6daa3ea08c855289cdddf4cf7a7b4db13febe20f73e86dc9f0a68e","created":"2026-04-28T07:23:22.423Z","duration":1099.584,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":4894,"output_tokens":75},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5426,"output_tokens":5437},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5426,"output_tokens":372}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Brad. It's Dana from OKIE Financial. How are you this afternoon? I'm very well. Thank you. I had you booked in to go through your annual review today. Is now still a good time there for you? If if it's not, that's okay. I'm happy to reschedule. I just wanna make sure you've got the time to go through it all. So sorry. Oh, well, look. Normally, it takes around between fifteen to half an hour depending on what we need to go through. But I can just try to make it as quickly as possible, and we can always come back and follow-up later if there's anything additional. Does that sound okay? Yeah. Fantastic. As part of the annual review, just to let you know, we do record all of our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just to do security there with you, I am discussing your personal information. So I need to confirm your full name, date of birth, and address I should have on file. Yep. Yep. Beautiful. Thank you so much for that. So, Bradley, the first thing I just want to follow-up just before we do jump into the annual review completely. Is there anything you wanted to sort of ask or touch base on as part of this that I needed to maybe be aware of? Right. Yeah. Excellent. Well, I'll jump in and give you an update on your stupidest stuff, but that's probably the most important part. Essentially, having a look at things. So first thing I'm just looking at here, you would have received an email around about the March 13 from us just noting some changes to your portfolio. Do you remember receiving an email there at all? Would have had the heading net wealth portfolio update? No. No. That's okay. That's not a problem at all. So we did send you an email to you about a month ago, just over a month ago now, just letting you know there have been some changes that we were making to your portfolio. So one of your underlying investments you had had in there was Benelong Australian Equities, and it's been underperforming a little bit. It had some underlying issues there. So we took a bit of a stance and removed that from your portfolio, and that's essentially what the email was letting you know about. We've replaced it with the BetaShares a 200. So this is essentially giving you access to Australian equities. Benelong actually only has a small amount, generally between 20 to 30 different equities investments in there, whereas the Australian 200 gives you access to the top 200 companies on the ASX. It's more passively managed fund. It's a bit cheaper as well. So there are benefits to swapping that out for you, and that obviously has had a little bit of a better track record there. So when I look at you so far, when we did speak last time, your last time you review, your balance was 88,655. And as of today's date there, your balance is now $110,005.46. So you have had a wonderful increase there for you. Looking at the return after the net of fees for the last twelve months, you're up by 3.48%. So, again, it is a good solid positive result with what's happening in the globally in the market here at the moment, which is good to see. Okay? Excellent. Look. I just need to let you know as well. If you do need me to stop because I can hear your son in the background, you let me know. I'm happy to stop. That's okay. You just let me know if you need me to stop. I'm more than happy to do so. I've got kids, so I understand. Beautiful. The next thing I'll just touch base on is your insurance side of things. So you've got your life, your TPD, and the income protection component here. That's all paid out of your super. Just to run through the check that you're happy with how that is all working for you. With your life and TPD cover, you currently have the sum insured of $623,004.32. Are you feeling comfortable with the level of cover you have with life and TBD? Do you understand how they work? Did you want to me to go through those in detail for you? Or Yeah. No. So TBD pays out a lump sum benefit or an income stream, and it's essentially the same as life you pick a certain sum insured. Income protection is based on your income. So income protection is what pays out the monthly benefit in the event that you've been unable to work due to illness or injury, and that one is more income based as opposed to the TPD or the last component. Does that make sense? Yeah. Yeah. Generally, the way it works when we're off work, we start by claiming income protection. It's the first thing we try to claim. And then if we can never go back to work again, then we claim on TBD, and last cover is paid out if we passed away or if we're terminally ill and not likely to survive more than twelve months or two years depending on the definition. Yeah. Oh, good. Income protection wise, I have the monthly, sorry, the monthly benefit amount. This is a gross of 2,000 sorry. 5,249. I apologize for that. With that one there, income wise, I have you earning about a 120,000 per annum. Is that still fairly accurate? Yeah. So I'm just double checking to see how that sort of stacks up there for you. With your income protection benefit, you are a little bit underinsured. So with income protection, you can be covered for up to 70% of your income, your gross income, which means that you would need a monthly benefit of about 7,000 even. Did you wanna look at altering that, or are you happy to keep your income protection the same? You also don't have to increase it if the monthly benefit sort of covers your expenditure. Yeah. All good. Not a problem at all. We can do that. Did you want me to maybe get a quote first to show you the difference in the cost, and you can let me know what you wanna do? Because increasing it does come at an increased cost to the premium. Does that did you wanna look at that first, or did you want me to just organize the recommendation? Yeah. Yep. Perfect. So I'll grab a quote for that, and I'll send it through to you to have a look at. Now you do have a four week benefit. So a four week waiting period and a five year benefit period. It means if to claim on income protection, you just have to be off for four weeks, and then we can process the claim with the insurer. And a five year benefit period means you can be on a claim for up to five years. If at the end of that five years, you still can't go back to the work, the claim does stop regardless. So you're still happy with the waiting and benefit period there? Yep. Yep. Beautiful. Lovely. Well, what I'll do is I'll obtain a quote from the insurer to increase that one. I'll email it through to you to have a look at. You can tell me whether you wanna go ahead with that, and then I can update the advice to reflect for you as well. Okay? Yep. Fantastic. Now there are other types of insurances that I don't know if anyone's ever spoken to you about, but there are other types of cover that are paid out of your back pocket like trauma. Has anyone ever spoken to you about trauma, what it is, how it works? Yeah. Yep. Fantastic. And did you wanna look at sort of getting any trauma, or you're happy just for the three covers you've got at the moment? Yeah. Yeah. Absolutely. So there are some benefits to having trauma. Looking at the amount of cover you might want, some people just want, you know, one or two years worth of gross income or net income. Is there a certain amount you'd have like to have a look at for trauma, or did you want me to just look at one or two years worth of gross income to start with, and then we can have that conversation further. Two years sounds good? Yeah. Perfect. There are benefits to linking that to some life cover. So with the life cover you have inside Super, it doesn't kinda have any extra benefits like funeral cover and things like that. When you pay for a little bit of life out of your back pocket, you can also get, like, a your your family can claim, like, an up some upfront funeral benefit there as well. And if I was to link some of that life to the trauma, I can actually try to make those premiums a bit cheaper for you. Did you want me to try and bundle it together and see if I can make the premiums as cheap as possible? Yeah? Beautiful. What I'll do, because it's quite a lot and you've got a lot going at the moment, I'll do up a bit of quote. I'll email it through to you so it explains it, and then I'll follow-up with a bit of a phone call just so you can kinda talk you short. And you can let me know what your thoughts are if that amount suits, and we can always look to adjust that prior to prior to updating the advice for you. Does that sound alright? Yeah. Beautiful. Fantastic. I'll take care of that for you. Not a problem at all. Now, Michelle also let me know that she did receive your beneficiary nominations back. Thank you so much for completing those. She just has to have them sent off to the insurer, and she'll follow-up to make sure they are applied to the to the insurers for you, for your sleep and your insurance policy. She checked them all, and everything's come back completely fine. So there's no issues with the form, which is wonderful. Excellent. I know she also did complete a bit of a fax line with you there. I just wanted to sort of clarify goals wise. You're looking to probably work through to about age 67. Is that what you're thinking at the moment, or did you wanna look at trying to retire a bit earlier? Yeah. That's okay. If you like goals wise, we can always look at working on 60. So 60 is the earliest under the legislation you can access, Super, if you fully retire. I could always work on that goal for you, giving you the option. You don't have to retire then, but it gives you the option to if you like and and sort of shows whether we're able on track for that. Yeah. Beautiful. Excellent. You're still really young, so you've got a lot of time of of work life ahead of you there. Is there any other goals that you're sort of looking to achieve, whether it be personal financial over the next one to two to five years or anything there? Yeah. Yep. Yep. Beautiful. How much do you owe on the mortgage at the moment? Okay. Beautiful. And you're hoping to have that paid down by retirement, or you think you might still have a little bit? Yeah. Yep. Beautiful. What kind of value would you put on the property at the moment? Yep. Okay. Perfect. Fantastic. There we go. And other assets down here, any other cars, boats, or caravans you put value on? Yep. Beautiful. So the last one I had here sorry. The last car I had noted down here doesn't have a oh, yes. It does have a value of about 10,000. Is that the same? Yep. Beautiful. No loans on that vehicle there at all? Okay. Perfect. What kind of car is it? Yep. Perfect. Excellent. And I also had down here previously, you had about 5,000 in savings. Do you still have anything in savings at the moment? Okay. Fantastic. And I also had a 10,000 personal loan. Have you gotten rid of that? Yes. Perfect. 9,000. Any investments outside of super? Any shares or anything that you might own as well? No. That's okay. Not a problem at all. With your super, are you open to looking at salary sacrifice, or do you feel like it's something you wanna put on the back burner for now or looking at additional contribution? Yeah. That's okay. Life is expensive, isn't it? It's completely understandable. I can always absolutely. I've got three kids myself. I completely understand. When and if you decide you wanna look at that, please do let me know. We can always provide personal advice in that area. And, alternatively, if you wanna look at, you know, investing outside of super, absolutely fine. How are you finding you're paying down your mortgage? Do you need any help with that? Are you finding it's okay? You're just plugging away at it yourself? Yep. Yep. Beautiful. Well, if you did need any assistance there, please do let us know. We can provide cash on budgeting assistance, and we can always refer you to a mortgage broker for reevaluating the levels as well if interest rates continue to rise. Okay? Oh, fantastic. It's always good to have a good mortgage broker, so I'm glad you've got a good one there. Yeah. Excellent. I know Michelle's got your beneficiary nominations started there, which is absolutely fine. Have yourself and your partner ever done a will or had a will and power of attorney drawn up in the past? No? That's okay. Is this something you guys have talked about? Or yeah. Yeah. Do you have a solicitor that you use that you would sort of refer yourself to to have that conversation and draw up those documents? No. That's okay. It is really important to do those because your beneficiary nominations do look after your life and your super, but everything that you've worked so hard for outside of super is also really important to protect and having your will or power of attorney and with your kids or guardianship drawn up as well. Did you want maybe us to send through an email after the call just with some information on a local solicitor and a costing of how much they charge to do up a will for you just to kinda start the conversation or you're you don't have to. You're always welcome to say no. Yeah? Yep. Beautiful. Beautiful. And health wise, is everything okay? No major changes in the last twelve months at all? Yep. Oh, fantastic. Yeah. Oh, fantastic. That's really good to hear. Well, I won't take up too much of your time. I have kinda gone through everything I need to at the moment. The only other thing to kind of double check is just your risk profile. I'm just kinda going through I've answered some of those questions already for you to make it easier. Because you are still quite young, you have a lot of time before you're able to access super at this time frame. If you were to say your super fell in value by, say, 10 or 20% over the next, say, one to two years, how do you think you might be feeling? Do you think you'd be okay? Maybe you wanted to put more money in. Are you a bit concerned? Maybe you're wanting to talk to us about what's happening in the market, or are you really heavily concerned and wanting to sort of sell off those investments? How do you think you might be feeling? Yeah. Yeah. Yeah. Yeah. Absolutely. No. Completely understand. Looking here, have you ever thought about taking out a loan in order to invest in things like shares or managed funds, or is it something you'd never sorta consider? Mhmm. Yeah. That's okay. Not a problem. So you might consider in the future depending on the risks involved. Is that kind of the right track? Yeah. Yep. Beautiful. And are you guys wanting to sort of have investment properties or any other investments outside of Super in the future or not really? Sorry. Can you hear me okay? I'm not sure if it dropped out. Sorry. All good. No. That's okay. That's not a problem at all. So having a look at things at the moment, you've scored there as a bit more of a growth investor, but you're in that high growth environment from what I can see. So that's where about 90% of your student is invested as growth assets, things like Australian shares, international share listed property, and commodities there. Are you still wanting to stay in that kind of high growth environment, or are you wanting to maybe look at adjusting your risk level a little bit? How do you feel about that at the moment? Yeah. Yeah. Beautiful. Well, we'll make sure we definitely do a bit of a catch up with you. Moving forward, did you wanna see catch ups maybe every three or six months, or are you happy with just an annual review once every twelve months unless you sort of let us know of a change? What would you like to see over the next? Yep. Yay. Absolutely. If anything happens to the market that you are concerned about, please do let me know, Bradley. More than happy to have a chat, talk you through what's going on, and reassess your risk level. After the call, they will send through your annual review pack. You've had a few of these now, so you're pretty well versed with what's in there. Just your ongoing service agreement for the next twelve months there. Do you have any questions? Do you understand how the fee structure works, and do you have any questions around our fee structure at all? No. That's okay. Not a problem. This has the ongoing service agreement in there for the next twelve months with the 1.65% noted for you. We've also got the financial service guide in there outlining everything about who I am. It has my license information for you. We'll also have a tax file consent in there as well. So we just like to make sure we're updating the consent and letting you know that we do hold your tax phone number. All of this is very sensitive information, so we wanna protect that on your behalf. And we'll also have, obviously, some updated balances and statements and things in there for you with your insurances, your current balance, and also the portfolio report I went through as well. So you're welcome to run your eyes over that and let me know if you do have any questions. Okay? All good. I won't take out too much more of your time. I'll let you go. You have a lovely evening. Michelle will send those emails out to you shortly, and I will follow-up once I get those quotes done for you. Okay? Thank you. I hope you have a lovely evening. Thanks for your time, Bradley. See you later. 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It's Dana from OKIE Financial. How are you this afternoon? I'm very well. Thank you.\n\nI had you booked in to go through your annual review today. Is now still a good time there for you? If if it's not, that's okay. I'm happy to reschedule. I just wanna make sure you've got the time to go through it all.\n\nSo sorry. Oh, well, look. Normally, it takes around between fifteen to half an hour depending on what we need to go through. But I can just try to make it as quickly as possible, and we can always come back and follow-up later if there's anything additional. Does that sound okay?\n\nYeah. Fantastic. As part of the annual review, just to let you know, we do record all of our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic.\n\nAnd just to do security there with you, I am discussing your personal information. So I need to confirm your full name, date of birth, and address I should have on file. Yep. Yep. Beautiful.\n\nThank you so much for that. So, Bradley, the first thing I just want to follow-up just before we do jump into the annual review completely. Is there anything you wanted to sort of ask or touch base on as part of this that I needed to maybe be aware of? Right. Yeah.\n\nExcellent. Well, I'll jump in and give you an update on your stupidest stuff, but that's probably the most important part. Essentially, having a look at things. So first thing I'm just looking at here, you would have received an email around about the March 13 from us just noting some changes to your portfolio. Do you remember receiving an email there at all?\n\nWould have had the heading net wealth portfolio update? No. No. That's okay. That's not a problem at all.\n\nSo we did send you an email to you about a month ago, just over a month ago now, just letting you know there have been some changes that we were making to your portfolio. So one of your underlying investments you had had in there was Benelong Australian Equities, and it's been underperforming a little bit. It had some underlying issues there. So we took a bit of a stance and removed that from your portfolio, and that's essentially what the email was letting you know about. We've replaced it with the BetaShares a 200.\n\nSo this is essentially giving you access to Australian equities. Benelong actually only has a small amount, generally between 20 to 30 different equities investments in there, whereas the Australian 200 gives you access to the top 200 companies on the ASX. It's more passively managed fund. It's a bit cheaper as well. So there are benefits to swapping that out for you, and that obviously has had a little bit of a better track record there.\n\nSo when I look at you so far, when we did speak last time, your last time you review, your balance was 88,655. And as of today's date there, your balance is now $110,005.46. So you have had a wonderful increase there for you. Looking at the return after the net of fees for the last twelve months, you're up by 3.48%. So, again, it is a good solid positive result with what's happening in the globally in the market here at the moment, which is good to see.\n\nOkay? Excellent. Look. I just need to let you know as well. If you do need me to stop because I can hear your son in the background, you let me know.\n\nI'm happy to stop. That's okay. You just let me know if you need me to stop. I'm more than happy to do so. I've got kids, so I understand.\n\nBeautiful. The next thing I'll just touch base on is your insurance side of things. So you've got your life, your TPD, and the income protection component here. That's all paid out of your super. Just to run through the check that you're happy with how that is all working for you.\n\nWith your life and TPD cover, you currently have the sum insured of $623,004.32. Are you feeling comfortable with the level of cover you have with life and TBD? Do you understand how they work? Did you want to me to go through those in detail for you? Or Yeah.\n\nNo. So TBD pays out a lump sum benefit or an income stream, and it's essentially the same as life you pick a certain sum insured. Income protection is based on your income. So income protection is what pays out the monthly benefit in the event that you've been unable to work due to illness or injury, and that one is more income based as opposed to the TPD or the last component. Does that make sense?\n\nYeah. Yeah. Generally, the way it works when we're off work, we start by claiming income protection. It's the first thing we try to claim. And then if we can never go back to work again, then we claim on TBD, and last cover is paid out if we passed away or if we're terminally ill and not likely to survive more than twelve months or two years depending on the definition.\n\nYeah. Oh, good. Income protection wise, I have the monthly, sorry, the monthly benefit amount. This is a gross of 2,000 sorry. 5,249.\n\nI apologize for that. With that one there, income wise, I have you earning about a 120,000 per annum. Is that still fairly accurate? Yeah. So I'm just double checking to see how that sort of stacks up there for you.\n\nWith your income protection benefit, you are a little bit underinsured. So with income protection, you can be covered for up to 70% of your income, your gross income, which means that you would need a monthly benefit of about 7,000 even. Did you wanna look at altering that, or are you happy to keep your income protection the same? You also don't have to increase it if the monthly benefit sort of covers your expenditure. Yeah.\n\nAll good. Not a problem at all. We can do that. Did you want me to maybe get a quote first to show you the difference in the cost, and you can let me know what you wanna do? Because increasing it does come at an increased cost to the premium.\n\nDoes that did you wanna look at that first, or did you want me to just organize the recommendation? Yeah. Yep. Perfect. So I'll grab a quote for that, and I'll send it through to you to have a look at.\n\nNow you do have a four week benefit. So a four week waiting period and a five year benefit period. It means if to claim on income protection, you just have to be off for four weeks, and then we can process the claim with the insurer. And a five year benefit period means you can be on a claim for up to five years. If at the end of that five years, you still can't go back to the work, the claim does stop regardless.\n\nSo you're still happy with the waiting and benefit period there? Yep. Yep. Beautiful. Lovely.\n\nWell, what I'll do is I'll obtain a quote from the insurer to increase that one. I'll email it through to you to have a look at. You can tell me whether you wanna go ahead with that, and then I can update the advice to reflect for you as well. Okay? Yep.\n\nFantastic. Now there are other types of insurances that I don't know if anyone's ever spoken to you about, but there are other types of cover that are paid out of your back pocket like trauma. Has anyone ever spoken to you about trauma, what it is, how it works? Yeah. Yep.\n\nFantastic. And did you wanna look at sort of getting any trauma, or you're happy just for the three covers you've got at the moment? Yeah. Yeah. Absolutely.\n\nSo there are some benefits to having trauma. Looking at the amount of cover you might want, some people just want, you know, one or two years worth of gross income or net income. Is there a certain amount you'd have like to have a look at for trauma, or did you want me to just look at one or two years worth of gross income to start with, and then we can have that conversation further. Two years sounds good? Yeah.\n\nPerfect. There are benefits to linking that to some life cover. So with the life cover you have inside Super, it doesn't kinda have any extra benefits like funeral cover and things like that. When you pay for a little bit of life out of your back pocket, you can also get, like, a your your family can claim, like, an up some upfront funeral benefit there as well. And if I was to link some of that life to the trauma, I can actually try to make those premiums a bit cheaper for you.\n\nDid you want me to try and bundle it together and see if I can make the premiums as cheap as possible? Yeah? Beautiful. What I'll do, because it's quite a lot and you've got a lot going at the moment, I'll do up a bit of quote. I'll email it through to you so it explains it, and then I'll follow-up with a bit of a phone call just so you can kinda talk you short.\n\nAnd you can let me know what your thoughts are if that amount suits, and we can always look to adjust that prior to prior to updating the advice for you. Does that sound alright? Yeah. Beautiful. Fantastic.\n\nI'll take care of that for you. Not a problem at all. Now, Michelle also let me know that she did receive your beneficiary nominations back. Thank you so much for completing those. She just has to have them sent off to the insurer, and she'll follow-up to make sure they are applied to the to the insurers for you, for your sleep and your insurance policy.\n\nShe checked them all, and everything's come back completely fine. So there's no issues with the form, which is wonderful. Excellent. I know she also did complete a bit of a fax line with you there. I just wanted to sort of clarify goals wise.\n\nYou're looking to probably work through to about age 67. Is that what you're thinking at the moment, or did you wanna look at trying to retire a bit earlier? Yeah. That's okay. If you like goals wise, we can always look at working on 60.\n\nSo 60 is the earliest under the legislation you can access, Super, if you fully retire. I could always work on that goal for you, giving you the option. You don't have to retire then, but it gives you the option to if you like and and sort of shows whether we're able on track for that. Yeah. Beautiful.\n\nExcellent. You're still really young, so you've got a lot of time of of work life ahead of you there. Is there any other goals that you're sort of looking to achieve, whether it be personal financial over the next one to two to five years or anything there? Yeah. Yep.\n\nYep. Beautiful. How much do you owe on the mortgage at the moment? Okay. Beautiful.\n\nAnd you're hoping to have that paid down by retirement, or you think you might still have a little bit? Yeah. Yep. Beautiful. What kind of value would you put on the property at the moment?\n\nYep. Okay. Perfect. Fantastic. There we go.\n\nAnd other assets down here, any other cars, boats, or caravans you put value on? Yep. Beautiful. So the last one I had here sorry. The last car I had noted down here doesn't have a oh, yes.\n\nIt does have a value of about 10,000. Is that the same? Yep. Beautiful. No loans on that vehicle there at all?\n\nOkay. Perfect. What kind of car is it? Yep. Perfect.\n\nExcellent. And I also had down here previously, you had about 5,000 in savings. Do you still have anything in savings at the moment? Okay. Fantastic.\n\nAnd I also had a 10,000 personal loan. Have you gotten rid of that? Yes. Perfect. 9,000.\n\nAny investments outside of super? Any shares or anything that you might own as well? No. That's okay. Not a problem at all.\n\nWith your super, are you open to looking at salary sacrifice, or do you feel like it's something you wanna put on the back burner for now or looking at additional contribution? Yeah. That's okay. Life is expensive, isn't it? It's completely understandable.\n\nI can always absolutely. I've got three kids myself. I completely understand. When and if you decide you wanna look at that, please do let me know. We can always provide personal advice in that area.\n\nAnd, alternatively, if you wanna look at, you know, investing outside of super, absolutely fine. How are you finding you're paying down your mortgage? Do you need any help with that? Are you finding it's okay? You're just plugging away at it yourself?\n\nYep. Yep. Beautiful. Well, if you did need any assistance there, please do let us know. We can provide cash on budgeting assistance, and we can always refer you to a mortgage broker for reevaluating the levels as well if interest rates continue to rise.\n\nOkay? Oh, fantastic. It's always good to have a good mortgage broker, so I'm glad you've got a good one there. Yeah. Excellent.\n\nI know Michelle's got your beneficiary nominations started there, which is absolutely fine. Have yourself and your partner ever done a will or had a will and power of attorney drawn up in the past? No? That's okay. Is this something you guys have talked about?\n\nOr yeah. Yeah. Do you have a solicitor that you use that you would sort of refer yourself to to have that conversation and draw up those documents? No. That's okay.\n\nIt is really important to do those because your beneficiary nominations do look after your life and your super, but everything that you've worked so hard for outside of super is also really important to protect and having your will or power of attorney and with your kids or guardianship drawn up as well. Did you want maybe us to send through an email after the call just with some information on a local solicitor and a costing of how much they charge to do up a will for you just to kinda start the conversation or you're you don't have to. You're always welcome to say no. Yeah? Yep.\n\nBeautiful. Beautiful. And health wise, is everything okay? No major changes in the last twelve months at all? Yep.\n\nOh, fantastic. Yeah. Oh, fantastic. That's really good to hear. Well, I won't take up too much of your time.\n\nI have kinda gone through everything I need to at the moment. The only other thing to kind of double check is just your risk profile. I'm just kinda going through I've answered some of those questions already for you to make it easier. Because you are still quite young, you have a lot of time before you're able to access super at this time frame. If you were to say your super fell in value by, say, 10 or 20% over the next, say, one to two years, how do you think you might be feeling?\n\nDo you think you'd be okay? Maybe you wanted to put more money in. Are you a bit concerned? Maybe you're wanting to talk to us about what's happening in the market, or are you really heavily concerned and wanting to sort of sell off those investments? How do you think you might be feeling?\n\nYeah. Yeah. Yeah. Yeah. Absolutely.\n\nNo. Completely understand. Looking here, have you ever thought about taking out a loan in order to invest in things like shares or managed funds, or is it something you'd never sorta consider? Mhmm. Yeah.\n\nThat's okay. Not a problem. So you might consider in the future depending on the risks involved. Is that kind of the right track? Yeah.\n\nYep. Beautiful. And are you guys wanting to sort of have investment properties or any other investments outside of Super in the future or not really? Sorry. Can you hear me okay?\n\nI'm not sure if it dropped out. Sorry. All good. No. That's okay.\n\nThat's not a problem at all. So having a look at things at the moment, you've scored there as a bit more of a growth investor, but you're in that high growth environment from what I can see. So that's where about 90% of your student is invested as growth assets, things like Australian shares, international share listed property, and commodities there. Are you still wanting to stay in that kind of high growth environment, or are you wanting to maybe look at adjusting your risk level a little bit? How do you feel about that at the moment?\n\nYeah. Yeah. Beautiful. Well, we'll make sure we definitely do a bit of a catch up with you. Moving forward, did you wanna see catch ups maybe every three or six months, or are you happy with just an annual review once every twelve months unless you sort of let us know of a change?\n\nWhat would you like to see over the next? Yep. Yay. Absolutely. If anything happens to the market that you are concerned about, please do let me know, Bradley.\n\nMore than happy to have a chat, talk you through what's going on, and reassess your risk level. After the call, they will send through your annual review pack. You've had a few of these now, so you're pretty well versed with what's in there. Just your ongoing service agreement for the next twelve months there. Do you have any questions?\n\nDo you understand how the fee structure works, and do you have any questions around our fee structure at all? No. That's okay. Not a problem. This has the ongoing service agreement in there for the next twelve months with the 1.65% noted for you.\n\nWe've also got the financial service guide in there outlining everything about who I am. It has my license information for you. We'll also have a tax file consent in there as well. So we just like to make sure we're updating the consent and letting you know that we do hold your tax phone number. All of this is very sensitive information, so we wanna protect that on your behalf.\n\nAnd we'll also have, obviously, some updated balances and statements and things in there for you with your insurances, your current balance, and also the portfolio report I went through as well. So you're welcome to run your eyes over that and let me know if you do have any questions. Okay? All good. I won't take out too much more of your time.\n\nI'll let you go. You have a lovely evening. Michelle will send those emails out to you shortly, and I will follow-up once I get those quotes done for you. Okay? Thank you.\n\nI hope you have a lovely evening. Thanks for your time, Bradley. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Brad.","start":2.3999999,"end":2.96,"sentiment":"neutral","sentiment_score":0.11496933549642563},{"text":"It's Dana from OKIE Financial.","start":2.96,"end":4.5,"sentiment":"neutral","sentiment_score":0.17386895418167114},{"text":"How are you this afternoon?","start":4.64,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.2274805337190628},{"text":"I'm very well.","start":7.8399997,"end":8.639999,"sentiment":"positive","sentiment_score":0.6230561931927999},{"text":"Thank you.","start":8.639999,"end":9.12,"sentiment":"positive","sentiment_score":0.6883319914340973}],"sentiment":"neutral","sentiment_score":0.32250109840841856,"num_words":17,"start":2.3999999,"end":9.12},{"sentences":[{"text":"I had you booked in to go through your annual review today.","start":9.12,"end":11.2,"sentiment":"neutral","sentiment_score":0.3241190214951833},{"text":"Is now still a good time there for you?","start":11.2,"end":13.219999,"sentiment":"neutral","sentiment_score":0.28879005379147},{"text":"If if it's not, that's okay.","start":15.255,"end":16.855,"sentiment":"neutral","sentiment_score":-0.002014013434139391},{"text":"I'm happy to reschedule.","start":16.855,"end":18.055,"sentiment":"neutral","sentiment_score":0.31265461444854736},{"text":"I just wanna make sure you've got the time to go through it all.","start":18.055,"end":20.855,"sentiment":"neutral","sentiment_score":0.1810663901269436}],"sentiment":"neutral","sentiment_score":0.22804450180071095,"num_words":45,"start":9.12,"end":20.855},{"sentences":[{"text":"So sorry.","start":20.855,"end":21.675,"sentiment":"neutral","sentiment_score":0.0036248071119189262},{"text":"Oh, well, look.","start":25.255001,"end":25.974998,"sentiment":"neutral","sentiment_score":0.029755578686793644},{"text":"Normally, it takes around between fifteen to half an hour depending on what we need to go through.","start":25.974998,"end":30.08,"sentiment":"neutral","sentiment_score":0.03104548394266102},{"text":"But I can just try to make it as quickly as possible, and we can always come back and follow-up later if there's anything additional.","start":30.08,"end":35.440002,"sentiment":"neutral","sentiment_score":0.0893362545967102},{"text":"Does that sound okay?","start":35.440002,"end":36.5,"sentiment":"neutral","sentiment_score":0.0832201037555933}],"sentiment":"neutral","sentiment_score":0.06195426617677395,"num_words":52,"start":20.855,"end":36.5},{"sentences":[{"text":"Yeah.","start":38.0,"end":38.4,"sentiment":"neutral","sentiment_score":0.2890821695327759},{"text":"Fantastic.","start":38.4,"end":38.9,"sentiment":"positive","sentiment_score":0.5349516868591309},{"text":"As part of the annual review, just to let you know, we do record all of our calls for quality and training purposes.","start":40.015003,"end":44.675003,"sentiment":"neutral","sentiment_score":0.2450476515552272},{"text":"Are you happy for me to proceed with that?","start":44.735,"end":46.915,"sentiment":"neutral","sentiment_score":0.22137458622455597},{"text":"Fantastic.","start":48.655003,"end":49.155003,"sentiment":"positive","sentiment_score":0.39361169934272766}],"sentiment":"neutral","sentiment_score":0.25274608050073893,"num_words":35,"start":38.0,"end":49.155003},{"sentences":[{"text":"And just to do security there with you, I am discussing your personal information.","start":49.695,"end":52.895,"sentiment":"neutral","sentiment_score":0.11858074367046356},{"text":"So I need to confirm your full name, date of birth, and address I should have on file.","start":52.895,"end":58.19,"sentiment":"neutral","sentiment_score":0.07615417821539773},{"text":"Yep.","start":59.489998,"end":59.989998,"sentiment":"neutral","sentiment_score":0.02096368372440338},{"text":"Yep.","start":65.41,"end":65.729996,"sentiment":"neutral","sentiment_score":0.0701926201581955},{"text":"Beautiful.","start":65.729996,"end":66.229996,"sentiment":"positive","sentiment_score":0.3670787811279297}],"sentiment":"neutral","sentiment_score":0.09968973440783364,"num_words":35,"start":49.695,"end":66.229996},{"sentences":[{"text":"Thank you so much for that.","start":66.29,"end":67.965,"sentiment":"positive","sentiment_score":0.472305029630661},{"text":"So, Bradley, the first thing I just want to follow-up just before we do jump into the annual review completely.","start":68.604996,"end":72.765,"sentiment":"neutral","sentiment_score":0.11251368895173072},{"text":"Is there anything you wanted to sort of ask or touch base on as part of this that I needed to maybe be aware of?","start":72.765,"end":78.225,"sentiment":"neutral","sentiment_score":0.05003742709755898},{"text":"Right.","start":81.18,"end":81.68,"sentiment":"neutral","sentiment_score":0.07713218033313751},{"text":"Yeah.","start":81.9,"end":82.380005,"sentiment":"neutral","sentiment_score":0.1520404815673828}],"sentiment":"neutral","sentiment_score":0.1238530621916618,"num_words":53,"start":66.29,"end":82.380005},{"sentences":[{"text":"Excellent.","start":82.380005,"end":82.86,"sentiment":"neutral","sentiment_score":0.23850904405117035},{"text":"Well, I'll jump in and give you an update on your stupidest stuff, but that's probably the most important part.","start":82.86,"end":87.200005,"sentiment":"neutral","sentiment_score":0.09721941854804754},{"text":"Essentially, having a look at things.","start":87.98,"end":89.340004,"sentiment":"neutral","sentiment_score":0.07403463621934255},{"text":"So first thing I'm just looking at here, you would have received an email around about the March 13 from us just noting some changes to your portfolio.","start":89.340004,"end":96.855,"sentiment":"neutral","sentiment_score":0.06836134714207479},{"text":"Do you remember receiving an email there at all?","start":96.995,"end":99.075005,"sentiment":"neutral","sentiment_score":0.029656646359297965}],"sentiment":"neutral","sentiment_score":0.07512707452406175,"num_words":64,"start":82.380005,"end":99.075005},{"sentences":[{"text":"Would have had the heading net wealth portfolio update?","start":99.075005,"end":101.655,"sentiment":"neutral","sentiment_score":0.006455035207586156},{"text":"No.","start":107.41,"end":107.81,"sentiment":"neutral","sentiment_score":-0.05165066942572594},{"text":"No.","start":107.81,"end":108.05,"sentiment":"neutral","sentiment_score":-0.044149018824100494},{"text":"That's okay.","start":108.05,"end":108.770004,"sentiment":"neutral","sentiment_score":0.038892253767699},{"text":"That's not a problem at all.","start":108.770004,"end":109.81,"sentiment":"neutral","sentiment_score":0.24474510798851648}],"sentiment":"neutral","sentiment_score":0.07939740968868136,"num_words":19,"start":99.075005,"end":109.81},{"sentences":[{"text":"So we did send you an email to you about a month ago, just over a month ago now, just letting you know there have been some changes that we were making to your portfolio.","start":109.81,"end":116.39,"sentiment":"neutral","sentiment_score":0.09602837445480483},{"text":"So one of your underlying investments you had had in there was Benelong Australian Equities, and it's been underperforming a little bit.","start":117.09,"end":123.675,"sentiment":"neutral","sentiment_score":0.005349234931848266},{"text":"It had some underlying issues there.","start":123.675,"end":125.355,"sentiment":"neutral","sentiment_score":-0.057837980488936104},{"text":"So we took a bit of a stance and removed that from your portfolio, and that's essentially what the email was letting you know about.","start":125.355,"end":131.535,"sentiment":"neutral","sentiment_score":0.0023685279488563538},{"text":"We've replaced it with the BetaShares a 200.","start":131.675,"end":134.395,"sentiment":"neutral","sentiment_score":0.07369545800611377}],"sentiment":"neutral","sentiment_score":0.03937942973182847,"num_words":96,"start":109.81,"end":134.395},{"sentences":[{"text":"So this is essentially giving you access to Australian equities.","start":134.395,"end":137.68,"sentiment":"neutral","sentiment_score":0.10249985679984093},{"text":"Benelong actually only has a small amount, generally between 20 to 30 different equities investments in there, whereas the Australian 200 gives you access to the top 200 companies on the ASX.","start":137.9,"end":147.81999,"sentiment":"neutral","sentiment_score":0.0943313836469315},{"text":"It's more passively managed fund.","start":147.81999,"end":149.26,"sentiment":"neutral","sentiment_score":0.13732510805130005},{"text":"It's a bit cheaper as well.","start":149.26,"end":150.62,"sentiment":"neutral","sentiment_score":0.1670671080549558},{"text":"So there are benefits to swapping that out for you, and that obviously has had a little bit of a better track record there.","start":150.62,"end":156.935,"sentiment":"neutral","sentiment_score":0.3294242446621259}],"sentiment":"neutral","sentiment_score":0.1771274403269802,"num_words":77,"start":134.395,"end":156.935},{"sentences":[{"text":"So when I look at you so far, when we did speak last time, your last time you review, your balance was 88,655.","start":156.935,"end":164.94,"sentiment":"neutral","sentiment_score":0.1300870572095332},{"text":"And as of today's date there, your balance is now $110,005.46.","start":165.02,"end":169.5,"sentiment":"neutral","sentiment_score":0.1556192473931746},{"text":"So you have had a wonderful increase there for you.","start":169.5,"end":172.16,"sentiment":"positive","sentiment_score":0.6866655766963958},{"text":"Looking at the return after the net of fees for the last twelve months, you're up by 3.48%.","start":173.5,"end":179.84,"sentiment":"positive","sentiment_score":0.40907162096765304},{"text":"So, again, it is a good solid positive result with what's happening in the globally in the market here at the moment, which is good to see.","start":179.98,"end":186.375,"sentiment":"positive","sentiment_score":0.5904960488831555}],"sentiment":"positive","sentiment_score":0.39187811574574266,"num_words":89,"start":156.935,"end":186.375},{"sentences":[{"text":"Okay?","start":186.375,"end":186.875,"sentiment":"neutral","sentiment_score":0.26677408814430237},{"text":"Excellent.","start":188.775,"end":189.275,"sentiment":"positive","sentiment_score":0.5183610320091248},{"text":"Look.","start":189.655,"end":189.895,"sentiment":"neutral","sentiment_score":0.2624048590660095},{"text":"I just need to let you know as well.","start":189.895,"end":191.095,"sentiment":"neutral","sentiment_score":0.08885471812552875},{"text":"If you do need me to stop because I can hear your son in the background, you let me know.","start":191.095,"end":194.935,"sentiment":"neutral","sentiment_score":0.04487602273002267}],"sentiment":"neutral","sentiment_score":0.08577352802967653,"num_words":32,"start":186.375,"end":194.935},{"sentences":[{"text":"I'm happy to stop.","start":194.935,"end":196.155,"sentiment":"neutral","sentiment_score":0.16100851818919182},{"text":"That's okay.","start":196.99,"end":197.81001,"sentiment":"neutral","sentiment_score":0.18956012837588787},{"text":"You just let me know if you need me to stop.","start":198.51001,"end":200.19,"sentiment":"neutral","sentiment_score":0.002131149172782898},{"text":"I'm more than happy to do so.","start":200.19,"end":201.47,"sentiment":"positive","sentiment_score":0.3798013904264995},{"text":"I've got kids, so I understand.","start":201.47,"end":203.17001,"sentiment":"neutral","sentiment_score":0.046152024840315185}],"sentiment":"neutral","sentiment_score":0.1327372950812181,"num_words":30,"start":194.935,"end":203.17001},{"sentences":[{"text":"Beautiful.","start":205.55,"end":205.95001,"sentiment":"positive","sentiment_score":0.636184573173523},{"text":"The next thing I'll just touch base on is your insurance side of things.","start":205.95001,"end":208.83,"sentiment":"neutral","sentiment_score":0.12202181347778865},{"text":"So you've got your life, your TPD, and the income protection component here.","start":208.83,"end":212.465,"sentiment":"neutral","sentiment_score":0.09494559638775311},{"text":"That's all paid out of your super.","start":212.465,"end":214.085,"sentiment":"neutral","sentiment_score":0.12915332296064921},{"text":"Just to run through the check that you're happy with how that is all working for you.","start":214.625,"end":218.805,"sentiment":"positive","sentiment_score":0.3403833464664571}],"sentiment":"neutral","sentiment_score":0.1974879397222629,"num_words":52,"start":205.55,"end":218.805},{"sentences":[{"text":"With your life and TPD cover, you currently have the sum insured of $623,004.32.","start":219.025,"end":225.685,"sentiment":"neutral","sentiment_score":0.10408734583428927},{"text":"Are you feeling comfortable with the level of cover you have with life and TBD?","start":226.37,"end":229.98999,"sentiment":"neutral","sentiment_score":0.05245979701479276},{"text":"Do you understand how they work?","start":230.20999,"end":231.81,"sentiment":"neutral","sentiment_score":0.0055608755598465604},{"text":"Did you want to me to go through those in detail for you?","start":231.81,"end":235.33,"sentiment":"neutral","sentiment_score":0.022599838960629243},{"text":"Or Yeah.","start":235.33,"end":238.72499,"sentiment":"neutral","sentiment_score":0.002595367841422558}],"sentiment":"neutral","sentiment_score":0.05152947384864092,"num_words":50,"start":219.025,"end":238.72499},{"sentences":[{"text":"No.","start":244.305,"end":244.625,"sentiment":"neutral","sentiment_score":-0.013441725634038448},{"text":"So TBD pays out a lump sum benefit or an income stream, and it's essentially the same as life you pick a certain sum insured.","start":244.625,"end":251.44499,"sentiment":"neutral","sentiment_score":0.030616044849157333},{"text":"Income protection is based on your income.","start":252.09,"end":254.49,"sentiment":"neutral","sentiment_score":0.02126611103968961},{"text":"So income protection is what pays out the monthly benefit in the event that you've been unable to work due to illness or injury, and that one is more income based as opposed to the TPD or the last component.","start":254.49,"end":264.83,"sentiment":"neutral","sentiment_score":0.014358638017438353},{"text":"Does that make sense?","start":264.89,"end":265.95,"sentiment":"neutral","sentiment_score":0.041654606349766254}],"sentiment":"neutral","sentiment_score":0.021321897648952225,"num_words":77,"start":244.305,"end":265.95},{"sentences":[{"text":"Yeah.","start":266.655,"end":267.155,"sentiment":"neutral","sentiment_score":0.04502066969871521},{"text":"Yeah.","start":267.53497,"end":267.85498,"sentiment":"neutral","sentiment_score":0.03637639805674553},{"text":"Generally, the way it works when we're off work, we start by claiming income protection.","start":267.85498,"end":271.455,"sentiment":"neutral","sentiment_score":0.021345782528320947},{"text":"It's the first thing we try to claim.","start":271.455,"end":272.735,"sentiment":"neutral","sentiment_score":0.036819648230448365},{"text":"And then if we can never go back to work again, then we claim on TBD, and last cover is paid out if we passed away or if we're terminally ill and not likely to survive more than twelve months or two years depending on the definition.","start":272.735,"end":284.28,"sentiment":"neutral","sentiment_score":-0.09341083607695838}],"sentiment":"neutral","sentiment_score":-0.05130789311240531,"num_words":72,"start":266.655,"end":284.28},{"sentences":[{"text":"Yeah.","start":284.82,"end":285.32,"sentiment":"neutral","sentiment_score":0.017212454229593277},{"text":"Oh, good.","start":286.18,"end":287.08,"sentiment":"neutral","sentiment_score":0.13868970423936844},{"text":"Income protection wise, I have the monthly, sorry, the monthly benefit amount.","start":287.7,"end":291.655,"sentiment":"neutral","sentiment_score":0.023027705339094002},{"text":"This is a gross of 2,000 sorry.","start":291.655,"end":294.245,"sentiment":"neutral","sentiment_score":-0.01622382551431656},{"text":"5,249.","start":294.245,"end":295.92502,"sentiment":"neutral","sentiment_score":-0.009713724255561829}],"sentiment":"neutral","sentiment_score":0.019462774953116543,"num_words":23,"start":284.82,"end":295.92502},{"sentences":[{"text":"I apologize for that.","start":295.92502,"end":297.305,"sentiment":"neutral","sentiment_score":-0.1396316085010767},{"text":"With that one there, income wise, I have you earning about a 120,000 per annum.","start":298.325,"end":303.605,"sentiment":"neutral","sentiment_score":0.04238152801990509},{"text":"Is that still fairly accurate?","start":303.605,"end":305.14502,"sentiment":"neutral","sentiment_score":0.04988481923937797},{"text":"Yeah.","start":306.84,"end":307.24,"sentiment":"neutral","sentiment_score":0.10744057595729828},{"text":"So I'm just double checking to see how that sort of stacks up there for you.","start":307.24,"end":311.41998,"sentiment":"neutral","sentiment_score":0.10133698536083102}],"sentiment":"neutral","sentiment_score":0.0501329981517501,"num_words":41,"start":295.92502,"end":311.41998},{"sentences":[{"text":"With your income protection benefit, you are a little bit underinsured.","start":311.72,"end":315.5,"sentiment":"neutral","sentiment_score":0.05161860551346432},{"text":"So with income protection, you can be covered for up to 70% of your income, your gross income, which means that you would need a monthly benefit of about 7,000 even.","start":315.88,"end":326.095,"sentiment":"neutral","sentiment_score":0.05638315312324032},{"text":"Did you wanna look at altering that, or are you happy to keep your income protection the same?","start":327.03497,"end":331.275,"sentiment":"neutral","sentiment_score":0.05364315563605891},{"text":"You also don't have to increase it if the monthly benefit sort of covers your expenditure.","start":331.275,"end":335.455,"sentiment":"neutral","sentiment_score":0.039598310948349535},{"text":"Yeah.","start":339.22998,"end":339.71,"sentiment":"positive","sentiment_score":0.4228971302509308}],"sentiment":"neutral","sentiment_score":0.05633414693950833,"num_words":77,"start":311.72,"end":339.71},{"sentences":[{"text":"All good.","start":339.71,"end":340.19,"sentiment":"positive","sentiment_score":0.5362007915973663},{"text":"Not a problem at all.","start":340.19,"end":341.15,"sentiment":"neutral","sentiment_score":0.2818976640701294},{"text":"We can do that.","start":341.15,"end":341.71,"sentiment":"neutral","sentiment_score":0.305280365049839},{"text":"Did you want me to maybe get a quote first to show you the difference in the cost, and you can let me know what you wanna do?","start":341.71,"end":346.75,"sentiment":"neutral","sentiment_score":0.10825268658144134},{"text":"Because increasing it does come at an increased cost to the premium.","start":346.75,"end":350.34998,"sentiment":"neutral","sentiment_score":0.01156968188782533}],"sentiment":"neutral","sentiment_score":0.1347631915819411,"num_words":51,"start":339.71,"end":350.34998},{"sentences":[{"text":"Does that did you wanna look at that first, or did you want me to just organize the recommendation?","start":350.34998,"end":354.26498,"sentiment":"neutral","sentiment_score":0.0037986043546544878},{"text":"Yeah.","start":354.965,"end":355.365,"sentiment":"neutral","sentiment_score":0.12950724363327026},{"text":"Yep.","start":355.365,"end":355.76498,"sentiment":"neutral","sentiment_score":0.24624276161193848},{"text":"Perfect.","start":355.76498,"end":356.26498,"sentiment":"positive","sentiment_score":0.4815349280834198},{"text":"So I'll grab a quote for that, and I'll send it through to you to have a look at.","start":357.365,"end":360.965,"sentiment":"neutral","sentiment_score":0.19249745262296578}],"sentiment":"neutral","sentiment_score":0.11187585404642471,"num_words":41,"start":350.34998,"end":360.965},{"sentences":[{"text":"Now you do have a four week benefit.","start":360.965,"end":362.905,"sentiment":"neutral","sentiment_score":0.08414255967363715},{"text":"So a four week waiting period and a five year benefit period.","start":363.0,"end":365.72,"sentiment":"neutral","sentiment_score":0.07804816806068023},{"text":"It means if to claim on income protection, you just have to be off for four weeks, and then we can process the claim with the insurer.","start":365.72,"end":371.18,"sentiment":"neutral","sentiment_score":0.10573047772049904},{"text":"And a five year benefit period means you can be on a claim for up to five years.","start":371.64,"end":375.74,"sentiment":"neutral","sentiment_score":0.08873800974753168},{"text":"If at the end of that five years, you still can't go back to the work, the claim does stop regardless.","start":375.935,"end":380.415,"sentiment":"neutral","sentiment_score":0.014366177487231437}],"sentiment":"neutral","sentiment_score":0.07399320110765308,"num_words":86,"start":360.965,"end":380.415},{"sentences":[{"text":"So you're still happy with the waiting and benefit period there?","start":380.415,"end":384.73502,"sentiment":"neutral","sentiment_score":0.13759868998419156},{"text":"Yep.","start":384.73502,"end":385.135,"sentiment":"neutral","sentiment_score":0.11280252039432526},{"text":"Yep.","start":385.135,"end":385.45502,"sentiment":"neutral","sentiment_score":0.18721437454223633},{"text":"Beautiful.","start":385.45502,"end":385.95502,"sentiment":"positive","sentiment_score":0.613432765007019},{"text":"Lovely.","start":386.095,"end":386.495,"sentiment":"positive","sentiment_score":0.597639799118042}],"sentiment":"neutral","sentiment_score":0.20164500325918197,"num_words":15,"start":380.415,"end":386.495},{"sentences":[{"text":"Well, what I'll do is I'll obtain a quote from the insurer to increase that one.","start":386.495,"end":389.855,"sentiment":"neutral","sentiment_score":0.1425979621708393},{"text":"I'll email it through to you to have a look at.","start":389.855,"end":391.695,"sentiment":"neutral","sentiment_score":0.06495637886903503},{"text":"You can tell me whether you wanna go ahead with that, and then I can update the advice to reflect for you as well.","start":391.695,"end":397.34998,"sentiment":"neutral","sentiment_score":0.0763290598988533},{"text":"Okay?","start":397.34998,"end":397.84998,"sentiment":"neutral","sentiment_score":0.06100724637508392},{"text":"Yep.","start":398.78998,"end":399.28998,"sentiment":"positive","sentiment_score":0.3997182250022888}],"sentiment":"neutral","sentiment_score":0.09978699002344653,"num_words":53,"start":386.495,"end":399.28998},{"sentences":[{"text":"Fantastic.","start":399.34998,"end":399.84998,"sentiment":"positive","sentiment_score":0.6460441946983337},{"text":"Now there are other types of insurances that I don't know if anyone's ever spoken to you about, but there are other types of cover that are paid out of your back pocket like trauma.","start":401.03,"end":408.685,"sentiment":"neutral","sentiment_score":0.029987550766340323},{"text":"Has anyone ever spoken to you about trauma, what it is, how it works?","start":408.685,"end":412.305,"sentiment":"neutral","sentiment_score":0.000859276857227087},{"text":"Yeah.","start":415.485,"end":415.985,"sentiment":"neutral","sentiment_score":-0.006148538552224636},{"text":"Yep.","start":416.685,"end":417.185,"sentiment":"neutral","sentiment_score":0.12088708579540253}],"sentiment":"neutral","sentiment_score":0.035045709514703885,"num_words":52,"start":399.34998,"end":417.185},{"sentences":[{"text":"Fantastic.","start":417.405,"end":417.905,"sentiment":"positive","sentiment_score":0.3900423049926758},{"text":"And did you wanna look at sort of getting any trauma, or you're happy just for the three covers you've got at the moment?","start":418.365,"end":423.9,"sentiment":"neutral","sentiment_score":0.07829286810010672},{"text":"Yeah.","start":428.52,"end":429.02,"sentiment":"neutral","sentiment_score":0.02471444383263588},{"text":"Yeah.","start":430.91998,"end":431.31998,"sentiment":"neutral","sentiment_score":0.051109109073877335},{"text":"Absolutely.","start":431.31998,"end":431.81998,"sentiment":"neutral","sentiment_score":0.08038690686225891}],"sentiment":"neutral","sentiment_score":0.08661719997014318,"num_words":28,"start":417.405,"end":431.81998},{"sentences":[{"text":"So there are some benefits to having trauma.","start":432.75998,"end":434.86,"sentiment":"neutral","sentiment_score":0.02058149897493422},{"text":"Looking at the amount of cover you might want, some people just want, you know, one or two years worth of gross income or net income.","start":435.765,"end":442.825,"sentiment":"neutral","sentiment_score":0.0009087703119103725},{"text":"Is there a certain amount you'd have like to have a look at for trauma, or did you want me to just look at one or two years worth of gross income to start with, and then we can have that conversation further.","start":443.045,"end":454.06,"sentiment":"neutral","sentiment_score":0.012326734400419303},{"text":"Two years sounds good?","start":454.19998,"end":455.4,"sentiment":"neutral","sentiment_score":0.06425730884075165},{"text":"Yeah.","start":455.4,"end":455.88,"sentiment":"neutral","sentiment_score":0.08624522387981415}],"sentiment":"neutral","sentiment_score":0.012946390955731637,"num_words":82,"start":432.75998,"end":455.88},{"sentences":[{"text":"Perfect.","start":455.88,"end":456.38,"sentiment":"neutral","sentiment_score":0.3097493350505829},{"text":"There are benefits to linking that to some life cover.","start":456.91998,"end":459.4,"sentiment":"neutral","sentiment_score":0.15765493214130402},{"text":"So with the life cover you have inside Super, it doesn't kinda have any extra benefits like funeral cover and things like that.","start":459.4,"end":465.705,"sentiment":"neutral","sentiment_score":0.09616741813395334},{"text":"When you pay for a little bit of life out of your back pocket, you can also get, like, a your your family can claim, like, an up some upfront funeral benefit there as well.","start":466.50497,"end":473.865,"sentiment":"neutral","sentiment_score":0.1378364309668541},{"text":"And if I was to link some of that life to the trauma, I can actually try to make those premiums a bit cheaper for you.","start":473.865,"end":479.31,"sentiment":"neutral","sentiment_score":0.09425137843936682}],"sentiment":"neutral","sentiment_score":0.11971537049271558,"num_words":95,"start":455.88,"end":479.31},{"sentences":[{"text":"Did you want me to try and bundle it together and see if I can make the premiums as cheap as possible?","start":479.31,"end":483.81,"sentiment":"neutral","sentiment_score":0.11220722476189787},{"text":"Yeah?","start":485.47,"end":485.94998,"sentiment":"neutral","sentiment_score":0.20654121041297913},{"text":"Beautiful.","start":485.94998,"end":486.44998,"sentiment":"neutral","sentiment_score":0.147018164396286},{"text":"What I'll do, because it's quite a lot and you've got a lot going at the moment, I'll do up a bit of quote.","start":486.51,"end":491.025,"sentiment":"neutral","sentiment_score":0.056570904329419136},{"text":"I'll email it through to you so it explains it, and then I'll follow-up with a bit of a phone call just so you can kinda talk you short.","start":491.025,"end":497.125,"sentiment":"neutral","sentiment_score":0.10433085956450167}],"sentiment":"neutral","sentiment_score":0.09357681754347566,"num_words":77,"start":479.31,"end":497.125},{"sentences":[{"text":"And you can let me know what your thoughts are if that amount suits, and we can always look to adjust that prior to prior to updating the advice for you.","start":497.265,"end":503.825,"sentiment":"neutral","sentiment_score":0.2525974187639452},{"text":"Does that sound alright?","start":503.825,"end":504.885,"sentiment":"neutral","sentiment_score":0.10627542808651924},{"text":"Yeah.","start":506.47998,"end":506.88,"sentiment":"neutral","sentiment_score":0.26701852679252625},{"text":"Beautiful.","start":506.88,"end":507.38,"sentiment":"positive","sentiment_score":0.6633440852165222},{"text":"Fantastic.","start":507.75998,"end":508.25998,"sentiment":"positive","sentiment_score":0.7453536987304688}],"sentiment":"neutral","sentiment_score":0.2613510001254709,"num_words":38,"start":497.265,"end":508.25998},{"sentences":[{"text":"I'll take care of that for you.","start":509.28,"end":510.56,"sentiment":"positive","sentiment_score":0.6744910223143441},{"text":"Not a problem at all.","start":510.56,"end":511.68,"sentiment":"positive","sentiment_score":0.35028316974639895},{"text":"Now, Michelle also let me know that she did receive your beneficiary nominations back.","start":511.68,"end":515.44,"sentiment":"neutral","sentiment_score":0.2807992600968906},{"text":"Thank you so much for completing those.","start":515.44,"end":517.46,"sentiment":"positive","sentiment_score":0.571439904826028},{"text":"She just has to have them sent off to the insurer, and she'll follow-up to make sure they are applied to the to the insurers for you, for your sleep and your insurance policy.","start":518.0,"end":527.625,"sentiment":"neutral","sentiment_score":0.21007729234064326}],"sentiment":"neutral","sentiment_score":0.3215932823828797,"num_words":67,"start":509.28,"end":527.625},{"sentences":[{"text":"She checked them all, and everything's come back completely fine.","start":528.565,"end":531.125,"sentiment":"positive","sentiment_score":0.4415836542844772},{"text":"So there's no issues with the form, which is wonderful.","start":531.125,"end":533.54504,"sentiment":"positive","sentiment_score":0.45264609158039093},{"text":"Excellent.","start":535.74005,"end":536.24005,"sentiment":"positive","sentiment_score":0.35627514123916626},{"text":"I know she also did complete a bit of a fax line with you there.","start":536.78,"end":539.74005,"sentiment":"neutral","sentiment_score":0.15284909307956696},{"text":"I just wanted to sort of clarify goals wise.","start":539.74005,"end":542.06006,"sentiment":"neutral","sentiment_score":0.06097741135292583}],"sentiment":"neutral","sentiment_score":0.26978012662794854,"num_words":45,"start":528.565,"end":542.06006},{"sentences":[{"text":"You're looking to probably work through to about age 67.","start":542.06006,"end":545.10004,"sentiment":"neutral","sentiment_score":0.014644321706146001},{"text":"Is that what you're thinking at the moment, or did you wanna look at trying to retire a bit earlier?","start":545.10004,"end":549.2,"sentiment":"neutral","sentiment_score":0.001244954054709524},{"text":"Yeah.","start":553.71497,"end":554.035,"sentiment":"neutral","sentiment_score":0.06729410588741302},{"text":"That's okay.","start":554.035,"end":554.675,"sentiment":"neutral","sentiment_score":0.09233888611197472},{"text":"If you like goals wise, we can always look at working on 60.","start":554.675,"end":557.635,"sentiment":"neutral","sentiment_score":0.07585346842041382}],"sentiment":"neutral","sentiment_score":0.030639331863747666,"num_words":46,"start":542.06006,"end":557.635},{"sentences":[{"text":"So 60 is the earliest under the legislation you can access, Super, if you fully retire.","start":557.635,"end":562.135,"sentiment":"neutral","sentiment_score":0.1143070082180202},{"text":"I could always work on that goal for you, giving you the option.","start":562.82996,"end":565.70996,"sentiment":"neutral","sentiment_score":0.232449648471979},{"text":"You don't have to retire then, but it gives you the option to if you like and and sort of shows whether we're able on track for that.","start":565.70996,"end":572.44995,"sentiment":"neutral","sentiment_score":0.21905334080968583},{"text":"Yeah.","start":574.02997,"end":574.35,"sentiment":"neutral","sentiment_score":0.212653249502182},{"text":"Beautiful.","start":574.35,"end":574.85,"sentiment":"positive","sentiment_score":0.4732428789138794}],"sentiment":"neutral","sentiment_score":0.19779910563917483,"num_words":59,"start":557.635,"end":574.85},{"sentences":[{"text":"Excellent.","start":575.23,"end":575.73,"sentiment":"positive","sentiment_score":0.4520694613456726},{"text":"You're still really young, so you've got a lot of time of of work life ahead of you there.","start":576.46497,"end":580.96497,"sentiment":"neutral","sentiment_score":0.26088131111311286},{"text":"Is there any other goals that you're sort of looking to achieve, whether it be personal financial over the next one to two to five years or anything there?","start":583.665,"end":590.805,"sentiment":"neutral","sentiment_score":0.07418827648306715},{"text":"Yeah.","start":595.52997,"end":596.02997,"sentiment":"neutral","sentiment_score":0.07625769823789597},{"text":"Yep.","start":598.88995,"end":599.29,"sentiment":"neutral","sentiment_score":0.08967341482639313}],"sentiment":"neutral","sentiment_score":0.1514942255601579,"num_words":51,"start":575.23,"end":599.29},{"sentences":[{"text":"Yep.","start":599.29,"end":599.61,"sentiment":"neutral","sentiment_score":0.12720566987991333},{"text":"Beautiful.","start":599.61,"end":600.00995,"sentiment":"positive","sentiment_score":0.46374550461769104},{"text":"How much do you owe on the mortgage at the moment?","start":600.00995,"end":602.18994,"sentiment":"neutral","sentiment_score":0.07472180642864922},{"text":"Okay.","start":606.505,"end":606.90497,"sentiment":"neutral","sentiment_score":0.17987361550331116},{"text":"Beautiful.","start":606.90497,"end":607.305,"sentiment":"positive","sentiment_score":0.49712806940078735}],"sentiment":"neutral","sentiment_score":0.13932618200778962,"num_words":15,"start":599.29,"end":607.305},{"sentences":[{"text":"And you're hoping to have that paid down by retirement, or you think you might still have a little bit?","start":607.305,"end":612.045,"sentiment":"neutral","sentiment_score":0.12009228533133864},{"text":"Yeah.","start":612.985,"end":613.46497,"sentiment":"neutral","sentiment_score":0.07307454943656921},{"text":"Yep.","start":613.46497,"end":613.70496,"sentiment":"neutral","sentiment_score":0.13189354538917542},{"text":"Beautiful.","start":613.70496,"end":614.20496,"sentiment":"positive","sentiment_score":0.3690783977508545},{"text":"What kind of value would you put on the property at the moment?","start":614.265,"end":617.885,"sentiment":"neutral","sentiment_score":0.07038507066093959}],"sentiment":"neutral","sentiment_score":0.10808050327209963,"num_words":36,"start":607.305,"end":617.885},{"sentences":[{"text":"Yep.","start":626.24,"end":626.64,"sentiment":"neutral","sentiment_score":0.09021630138158798},{"text":"Okay.","start":626.64,"end":627.04,"sentiment":"neutral","sentiment_score":0.2432752251625061},{"text":"Perfect.","start":627.04,"end":627.54,"sentiment":"positive","sentiment_score":0.601726770401001},{"text":"Fantastic.","start":628.08,"end":628.58,"sentiment":"positive","sentiment_score":0.6625664234161377},{"text":"There we go.","start":630.365,"end":631.26495,"sentiment":"positive","sentiment_score":0.5230949918429056}],"sentiment":"positive","sentiment_score":0.4524385279842785,"num_words":7,"start":626.24,"end":631.26495},{"sentences":[{"text":"And other assets down here, any other cars, boats, or caravans you put value on?","start":631.32495,"end":636.065,"sentiment":"neutral","sentiment_score":0.14989512115716935},{"text":"Yep.","start":641.805,"end":642.20496,"sentiment":"neutral","sentiment_score":0.07381145656108856},{"text":"Beautiful.","start":642.20496,"end":642.70496,"sentiment":"neutral","sentiment_score":0.21689116954803467},{"text":"So the last one I had here sorry.","start":642.925,"end":645.90497,"sentiment":"neutral","sentiment_score":-0.02230478310957551},{"text":"The last car I had noted down here doesn't have a oh, yes.","start":646.61,"end":651.64996,"sentiment":"neutral","sentiment_score":-0.08152846877391522}],"sentiment":"neutral","sentiment_score":0.034232133803398984,"num_words":38,"start":631.32495,"end":651.64996},{"sentences":[{"text":"It does have a value of about 10,000.","start":651.64996,"end":653.75,"sentiment":"neutral","sentiment_score":-0.02408538619056344},{"text":"Is that the same?","start":654.05,"end":655.02997,"sentiment":"neutral","sentiment_score":-0.02701409626752138},{"text":"Yep.","start":657.08997,"end":657.49,"sentiment":"neutral","sentiment_score":0.04894185811281204},{"text":"Beautiful.","start":657.49,"end":657.99,"sentiment":"neutral","sentiment_score":0.1726531982421875},{"text":"No loans on that vehicle there at all?","start":658.13,"end":660.23,"sentiment":"neutral","sentiment_score":-0.09581483155488968}],"sentiment":"neutral","sentiment_score":-0.03843923048539595,"num_words":22,"start":651.64996,"end":660.23},{"sentences":[{"text":"Okay.","start":664.375,"end":664.775,"sentiment":"neutral","sentiment_score":0.01917165517807007},{"text":"Perfect.","start":664.775,"end":665.255,"sentiment":"neutral","sentiment_score":0.1203618198633194},{"text":"What kind of car is it?","start":665.255,"end":666.715,"sentiment":"neutral","sentiment_score":-0.007382882758975029},{"text":"Yep.","start":668.535,"end":668.935,"sentiment":"neutral","sentiment_score":0.05813761055469513},{"text":"Perfect.","start":668.935,"end":669.435,"sentiment":"neutral","sentiment_score":0.31762683391571045}],"sentiment":"neutral","sentiment_score":0.047100062295794484,"num_words":10,"start":664.375,"end":669.435},{"sentences":[{"text":"Excellent.","start":669.815,"end":670.315,"sentiment":"positive","sentiment_score":0.3424637019634247},{"text":"And I also had down here previously, you had about 5,000 in savings.","start":670.855,"end":674.375,"sentiment":"neutral","sentiment_score":0.09000337381775562},{"text":"Do you still have anything in savings at the moment?","start":674.375,"end":676.7,"sentiment":"neutral","sentiment_score":0.03367026466876268},{"text":"Okay.","start":680.52,"end":680.92,"sentiment":"neutral","sentiment_score":0.1320609450340271},{"text":"Fantastic.","start":680.92,"end":681.42,"sentiment":"positive","sentiment_score":0.34217435121536255}],"sentiment":"neutral","sentiment_score":0.08936328863581786,"num_words":26,"start":669.815,"end":681.42},{"sentences":[{"text":"And I also had a 10,000 personal loan.","start":682.2,"end":684.44,"sentiment":"neutral","sentiment_score":0.06813768716529012},{"text":"Have you gotten rid of that?","start":684.44,"end":686.3,"sentiment":"neutral","sentiment_score":0.021826067318518955},{"text":"Yes.","start":687.73505,"end":688.05505,"sentiment":"neutral","sentiment_score":0.11023927479982376},{"text":"Perfect.","start":688.05505,"end":688.55505,"sentiment":"neutral","sentiment_score":0.19911372661590576},{"text":"9,000.","start":689.335,"end":690.155,"sentiment":"neutral","sentiment_score":0.07772200554609299}],"sentiment":"neutral","sentiment_score":0.06253722989383866,"num_words":17,"start":682.2,"end":690.155},{"sentences":[{"text":"Any investments outside of super?","start":690.375,"end":692.215,"sentiment":"neutral","sentiment_score":0.057927077263593675},{"text":"Any shares or anything that you might own as well?","start":692.215,"end":694.715,"sentiment":"neutral","sentiment_score":0.0649361975491047},{"text":"No.","start":696.29504,"end":696.61505,"sentiment":"neutral","sentiment_score":-0.13484103977680206},{"text":"That's okay.","start":696.61505,"end":697.435,"sentiment":"neutral","sentiment_score":-0.02007669396698475},{"text":"Not a problem at all.","start":697.495,"end":698.79,"sentiment":"neutral","sentiment_score":0.10682292822748422}],"sentiment":"neutral","sentiment_score":0.05643989457546369,"num_words":23,"start":690.375,"end":698.79},{"sentences":[{"text":"With your super, are you open to looking at salary sacrifice, or do you feel like it's something you wanna put on the back burner for now or looking at additional contribution?","start":699.75,"end":707.13,"sentiment":"neutral","sentiment_score":-0.03727064101258293},{"text":"Yeah.","start":709.26996,"end":709.75,"sentiment":"neutral","sentiment_score":-0.07816445082426071},{"text":"That's okay.","start":709.75,"end":710.55,"sentiment":"neutral","sentiment_score":-0.07520556449890137},{"text":"Life is expensive, isn't it?","start":710.55,"end":711.91,"sentiment":"neutral","sentiment_score":-0.1533018410205841},{"text":"It's completely understandable.","start":711.91,"end":713.20996,"sentiment":"neutral","sentiment_score":0.02543089207999098}],"sentiment":"neutral","sentiment_score":-0.04910354932762011,"num_words":43,"start":699.75,"end":713.20996},{"sentences":[{"text":"I can always absolutely.","start":714.355,"end":718.215,"sentiment":"neutral","sentiment_score":-0.038521187379956245},{"text":"I've got three kids myself.","start":719.155,"end":720.755,"sentiment":"neutral","sentiment_score":-0.0006686362437903881},{"text":"I completely understand.","start":720.755,"end":722.215,"sentiment":"neutral","sentiment_score":0.09971463928620021},{"text":"When and if you decide you wanna look at that, please do let me know.","start":723.235,"end":726.03503,"sentiment":"neutral","sentiment_score":0.05893449087937673},{"text":"We can always provide personal advice in that area.","start":726.03503,"end":728.10004,"sentiment":"neutral","sentiment_score":0.1477187756035063}],"sentiment":"neutral","sentiment_score":0.06542228696505642,"num_words":36,"start":714.355,"end":728.10004},{"sentences":[{"text":"And, alternatively, if you wanna look at, you know, investing outside of super, absolutely fine.","start":728.10004,"end":732.18005,"sentiment":"neutral","sentiment_score":0.12172430008649826},{"text":"How are you finding you're paying down your mortgage?","start":732.18005,"end":734.66003,"sentiment":"neutral","sentiment_score":0.027147512469026778},{"text":"Do you need any help with that?","start":734.66003,"end":735.78,"sentiment":"neutral","sentiment_score":0.01661906045462404},{"text":"Are you finding it's okay?","start":735.78,"end":737.06,"sentiment":"neutral","sentiment_score":0.003895386774092913},{"text":"You're just plugging away at it yourself?","start":737.06,"end":738.93005,"sentiment":"neutral","sentiment_score":-0.05786501722676413}],"sentiment":"neutral","sentiment_score":0.041882496511260435,"num_words":43,"start":728.10004,"end":738.93005},{"sentences":[{"text":"Yep.","start":740.885,"end":741.385,"sentiment":"neutral","sentiment_score":-0.016935691237449646},{"text":"Yep.","start":741.845,"end":742.325,"sentiment":"neutral","sentiment_score":0.12288421392440796},{"text":"Beautiful.","start":742.325,"end":742.825,"sentiment":"positive","sentiment_score":0.386442095041275},{"text":"Well, if you did need any assistance there, please do let us know.","start":742.965,"end":745.285,"sentiment":"neutral","sentiment_score":0.08321490167425229},{"text":"We can provide cash on budgeting assistance, and we can always refer you to a mortgage broker for reevaluating the levels as well if interest rates continue to rise.","start":745.285,"end":753.305,"sentiment":"neutral","sentiment_score":0.08780314818281552}],"sentiment":"neutral","sentiment_score":0.09156612526211473,"num_words":45,"start":740.885,"end":753.305},{"sentences":[{"text":"Okay?","start":753.365,"end":753.865,"sentiment":"neutral","sentiment_score":0.0693235695362091},{"text":"Oh, fantastic.","start":760.32996,"end":761.06995,"sentiment":"positive","sentiment_score":0.4153817594051361},{"text":"It's always good to have a good mortgage broker, so I'm glad you've got a good one there.","start":761.29,"end":764.88995,"sentiment":"positive","sentiment_score":0.3390258161558045},{"text":"Yeah.","start":764.88995,"end":765.37,"sentiment":"neutral","sentiment_score":0.16256394982337952},{"text":"Excellent.","start":765.37,"end":765.87,"sentiment":"positive","sentiment_score":0.4103018045425415}],"sentiment":"neutral","sentiment_score":0.32936597971812537,"num_words":23,"start":753.365,"end":765.87},{"sentences":[{"text":"I know Michelle's got your beneficiary nominations started there, which is absolutely fine.","start":766.945,"end":771.125,"sentiment":"neutral","sentiment_score":0.25060435097951156},{"text":"Have yourself and your partner ever done a will or had a will and power of attorney drawn up in the past?","start":771.345,"end":776.485,"sentiment":"neutral","sentiment_score":0.06777095913209698},{"text":"No?","start":778.625,"end":779.105,"sentiment":"neutral","sentiment_score":-0.037579234689474106},{"text":"That's okay.","start":779.105,"end":779.665,"sentiment":"neutral","sentiment_score":-0.014885513111948965},{"text":"Is this something you guys have talked about?","start":779.665,"end":781.745,"sentiment":"neutral","sentiment_score":-0.0034866196801885962}],"sentiment":"neutral","sentiment_score":0.10116466185401964,"num_words":46,"start":766.945,"end":781.745},{"sentences":[{"text":"Or yeah.","start":781.745,"end":784.30005,"sentiment":"neutral","sentiment_score":0.006482005119323732},{"text":"Yeah.","start":784.92004,"end":785.4,"sentiment":"neutral","sentiment_score":0.028745796531438828},{"text":"Do you have a solicitor that you use that you would sort of refer yourself to to have that conversation and draw up those documents?","start":785.4,"end":791.58,"sentiment":"neutral","sentiment_score":0.021807574220001697},{"text":"No.","start":796.935,"end":797.095,"sentiment":"neutral","sentiment_score":-0.10604442656040192},{"text":"That's okay.","start":797.095,"end":797.735,"sentiment":"neutral","sentiment_score":-0.0322649534791708}],"sentiment":"neutral","sentiment_score":0.013429833185528555,"num_words":31,"start":781.745,"end":797.735},{"sentences":[{"text":"It is really important to do those because your beneficiary nominations do look after your life and your super, but everything that you've worked so hard for outside of super is also really important to protect and having your will or power of attorney and with your kids or guardianship drawn up as well.","start":797.735,"end":811.14996,"sentiment":"neutral","sentiment_score":0.11684824195173052},{"text":"Did you want maybe us to send through an email after the call just with some information on a local solicitor and a costing of how much they charge to do up a will for you just to kinda start the conversation or you're you don't have to.","start":811.45,"end":822.57,"sentiment":"neutral","sentiment_score":0.031882696299968906},{"text":"You're always welcome to say no.","start":822.57,"end":824.11,"sentiment":"neutral","sentiment_score":0.08711964761217435},{"text":"Yeah?","start":825.265,"end":825.585,"sentiment":"neutral","sentiment_score":0.1141875460743904},{"text":"Yep.","start":825.585,"end":826.085,"sentiment":"neutral","sentiment_score":0.20792323350906372}],"sentiment":"neutral","sentiment_score":0.07895457411862232,"num_words":110,"start":797.735,"end":826.085},{"sentences":[{"text":"Beautiful.","start":826.465,"end":826.965,"sentiment":"positive","sentiment_score":0.5215297937393188},{"text":"Beautiful.","start":827.265,"end":827.765,"sentiment":"positive","sentiment_score":0.47974586486816406},{"text":"And health wise, is everything okay?","start":828.22504,"end":830.065,"sentiment":"neutral","sentiment_score":0.1925370047489802},{"text":"No major changes in the last twelve months at all?","start":830.065,"end":832.645,"sentiment":"neutral","sentiment_score":-0.03444260153919458},{"text":"Yep.","start":836.145,"end":836.645,"sentiment":"neutral","sentiment_score":0.041314080357551575}],"sentiment":"neutral","sentiment_score":0.09754661852984052,"num_words":19,"start":826.465,"end":836.645},{"sentences":[{"text":"Oh, fantastic.","start":839.48,"end":840.86,"sentiment":"neutral","sentiment_score":0.2682647928595543},{"text":"Yeah.","start":845.0,"end":845.5,"sentiment":"neutral","sentiment_score":0.11381015181541444},{"text":"Oh, fantastic.","start":847.24,"end":848.06,"sentiment":"neutral","sentiment_score":0.28854842483997345},{"text":"That's really good to hear.","start":848.52,"end":849.98,"sentiment":"neutral","sentiment_score":0.2605952262878418},{"text":"Well, I won't take up too much of your 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were to say your super fell in value by, say, 10 or 20% over the next, say, one to two years, how do you think you might be feeling?","start":869.6,"end":876.755,"sentiment":"neutral","sentiment_score":-0.004354547288629317}],"sentiment":"neutral","sentiment_score":-0.018361946505484814,"num_words":97,"start":851.895,"end":876.755},{"sentences":[{"text":"Do you think you'd be okay?","start":876.755,"end":878.03503,"sentiment":"neutral","sentiment_score":-0.05024431273341179},{"text":"Maybe you wanted to put more money in.","start":878.03503,"end":879.895,"sentiment":"neutral","sentiment_score":-0.06710733892396092},{"text":"Are you a bit concerned?","start":879.955,"end":880.995,"sentiment":"neutral","sentiment_score":-0.07474994659423828},{"text":"Maybe you're wanting to talk to us about what's happening in the market, or are you really heavily concerned and wanting to sort of sell off those investments?","start":880.995,"end":887.075,"sentiment":"neutral","sentiment_score":-0.07297888956964016},{"text":"How do you think you might be 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understand.","start":911.025,"end":912.165,"sentiment":"neutral","sentiment_score":-0.012688569724559786},{"text":"Looking here, have you ever thought about taking out a loan in order to invest in things like shares or managed funds, or is it something you'd never sorta consider?","start":913.46,"end":920.6,"sentiment":"neutral","sentiment_score":-0.07727766670286655},{"text":"Mhmm.","start":923.54,"end":924.04,"sentiment":"neutral","sentiment_score":-0.1106405258178711},{"text":"Yeah.","start":925.635,"end":925.875,"sentiment":"neutral","sentiment_score":0.06521952152252197}],"sentiment":"neutral","sentiment_score":-0.07012080241526876,"num_words":35,"start":910.785,"end":925.875},{"sentences":[{"text":"That's okay.","start":925.875,"end":926.59503,"sentiment":"neutral","sentiment_score":0.16647996753454208},{"text":"Not a problem.","start":926.59503,"end":927.075,"sentiment":"neutral","sentiment_score":0.23164782424767813},{"text":"So you might consider in the future depending on the risks involved.","start":927.075,"end":930.03503,"sentiment":"neutral","sentiment_score":0.11732654708127181},{"text":"Is that kind of the right track?","start":930.03503,"end":931.655,"sentiment":"neutral","sentiment_score":0.11747273377009801},{"text":"Yeah.","start":931.715,"end":932.115,"sentiment":"neutral","sentiment_score":0.09116582572460176}],"sentiment":"neutral","sentiment_score":0.13397187739610672,"num_words":25,"start":925.875,"end":932.115},{"sentences":[{"text":"Yep.","start":932.115,"end":932.615,"sentiment":"neutral","sentiment_score":0.22996652126312256},{"text":"Beautiful.","start":932.835,"end":933.315,"sentiment":"positive","sentiment_score":0.5373220443725586},{"text":"And are you guys wanting to sort of have investment properties or any other investments outside of Super in the future or not really?","start":933.315,"end":939.97504,"sentiment":"neutral","sentiment_score":0.08349022882369657},{"text":"Sorry.","start":952.545,"end":952.785,"sentiment":"neutral","sentiment_score":-0.08303481340408325},{"text":"Can you hear me okay?","start":952.785,"end":953.825,"sentiment":"neutral","sentiment_score":-0.08095086961984635}],"sentiment":"neutral","sentiment_score":0.07135202799690887,"num_words":32,"start":932.115,"end":953.825},{"sentences":[{"text":"I'm not sure if it dropped out.","start":953.825,"end":955.585,"sentiment":"neutral","sentiment_score":-0.0972141216375998},{"text":"Sorry.","start":955.585,"end":956.085,"sentiment":"neutral","sentiment_score":-0.044938474893569946},{"text":"All good.","start":956.46497,"end":957.205,"sentiment":"neutral","sentiment_score":0.04905403219163418},{"text":"No.","start":960.625,"end":960.945,"sentiment":"neutral","sentiment_score":-0.10270550101995468},{"text":"That's okay.","start":960.945,"end":961.665,"sentiment":"neutral","sentiment_score":-0.02786067128181458}],"sentiment":"neutral","sentiment_score":-0.06044277735054493,"num_words":13,"start":953.825,"end":961.665},{"sentences":[{"text":"That's not a problem at all.","start":961.665,"end":963.345,"sentiment":"neutral","sentiment_score":0.06595888858040173},{"text":"So having a look at things at the moment, you've scored there as a bit more of a growth investor, but you're in that high growth environment from what I can see.","start":963.345,"end":970.64,"sentiment":"neutral","sentiment_score":0.06897344731260091},{"text":"So that's where about 90% of your student is invested as growth assets, things like Australian shares, international share listed property, and commodities there.","start":970.64,"end":979.155,"sentiment":"neutral","sentiment_score":0.07800995962073405},{"text":"Are you still wanting to stay in that kind of high growth environment, or are you wanting to maybe look at adjusting your risk level a little bit?","start":979.55505,"end":985.395,"sentiment":"neutral","sentiment_score":-0.029049569075661048},{"text":"How do you feel about that at the moment?","start":985.395,"end":987.335,"sentiment":"neutral","sentiment_score":-0.09108929046326214}],"sentiment":"neutral","sentiment_score":0.02870657705146857,"num_words":99,"start":961.665,"end":987.335},{"sentences":[{"text":"Yeah.","start":990.67505,"end":990.91504,"sentiment":"neutral","sentiment_score":0.20818953216075897},{"text":"Yeah.","start":990.91504,"end":991.23505,"sentiment":"neutral","sentiment_score":0.30987486243247986},{"text":"Beautiful.","start":991.23505,"end":991.73505,"sentiment":"neutral","sentiment_score":0.04044928029179573},{"text":"Well, we'll make sure we definitely do a bit of a catch up with you.","start":991.79504,"end":994.8,"sentiment":"neutral","sentiment_score":0.21360871891180674},{"text":"Moving forward, did you wanna see catch ups maybe every three or six months, or are you happy with just an annual review once every twelve months unless you sort of let us know of a change?","start":995.04,"end":1003.51996,"sentiment":"neutral","sentiment_score":0.05752188687187594}],"sentiment":"neutral","sentiment_score":0.10710825950584628,"num_words":55,"start":990.67505,"end":1003.51996},{"sentences":[{"text":"What would you like to see over the next?","start":1003.51996,"end":1005.54,"sentiment":"neutral","sentiment_score":0.01718161513821946},{"text":"Yep.","start":1007.855,"end":1008.355,"sentiment":"neutral","sentiment_score":0.06321581453084946},{"text":"Yay.","start":1011.295,"end":1011.795,"sentiment":"neutral","sentiment_score":0.10398638248443604},{"text":"Absolutely.","start":1011.855,"end":1012.355,"sentiment":"neutral","sentiment_score":0.1478303223848343},{"text":"If anything happens to the market that you are concerned about, please do let me know, Bradley.","start":1012.735,"end":1016.575,"sentiment":"neutral","sentiment_score":0.021692279178430054}],"sentiment":"neutral","sentiment_score":0.028911579368186408,"num_words":29,"start":1003.51996,"end":1016.575},{"sentences":[{"text":"More than happy to have a chat, talk you through what's going on, and reassess your risk level.","start":1016.575,"end":1020.675,"sentiment":"neutral","sentiment_score":0.322001372774442},{"text":"After the call, they will send through your annual review pack.","start":1021.47,"end":1023.87,"sentiment":"neutral","sentiment_score":0.12119036709720438},{"text":"You've had a few of these now, so you're pretty well versed with what's in there.","start":1023.87,"end":1027.17,"sentiment":"neutral","sentiment_score":0.12023645010776818},{"text":"Just your ongoing service agreement for the next twelve months there.","start":1027.31,"end":1030.77,"sentiment":"neutral","sentiment_score":0.0800132392482324},{"text":"Do you have any questions?","start":1030.83,"end":1031.87,"sentiment":"neutral","sentiment_score":0.057869703322649}],"sentiment":"neutral","sentiment_score":0.1675802639029065,"num_words":61,"start":1016.575,"end":1031.87},{"sentences":[{"text":"Do you understand how the fee structure works, and do you have any questions around our fee structure at all?","start":1031.87,"end":1036.69,"sentiment":"neutral","sentiment_score":0.018009804561734198},{"text":"No.","start":1041.0449,"end":1041.445,"sentiment":"neutral","sentiment_score":-0.021703362464904785},{"text":"That's okay.","start":1041.445,"end":1042.1649,"sentiment":"neutral","sentiment_score":0.0558069571852684},{"text":"Not a problem.","start":1042.1649,"end":1042.725,"sentiment":"neutral","sentiment_score":0.19749443729718527},{"text":"This has the ongoing service agreement in there for the next twelve months with the 1.65% noted for you.","start":1042.725,"end":1048.005,"sentiment":"neutral","sentiment_score":0.15127991139888763}],"sentiment":"neutral","sentiment_score":0.08704240603579415,"num_words":45,"start":1031.87,"end":1048.005},{"sentences":[{"text":"We've also got the financial service guide in there outlining everything about who I am.","start":1048.005,"end":1051.9501,"sentiment":"neutral","sentiment_score":0.14955277591943741},{"text":"It has my license information for you.","start":1051.9501,"end":1054.29,"sentiment":"neutral","sentiment_score":0.13116917865616934},{"text":"We'll also have a tax file consent in there as well.","start":1054.3501,"end":1056.75,"sentiment":"neutral","sentiment_score":0.13723797689784656},{"text":"So we just like to make sure we're updating the consent and letting you know that we do hold your tax phone number.","start":1056.75,"end":1061.63,"sentiment":"neutral","sentiment_score":0.13187017518541086},{"text":"All of this is very sensitive information, so we wanna protect that on your behalf.","start":1061.63,"end":1065.435,"sentiment":"neutral","sentiment_score":-0.013819812734921774}],"sentiment":"neutral","sentiment_score":0.1055888799084744,"num_words":71,"start":1048.005,"end":1065.435},{"sentences":[{"text":"And we'll also have, obviously, some updated balances and statements and things in there for you with your insurances, your current balance, and also the portfolio report I went through as well.","start":1065.915,"end":1075.515,"sentiment":"neutral","sentiment_score":0.13523712451569736},{"text":"So you're welcome to run your eyes over that and let me know if you do have any questions.","start":1075.515,"end":1079.055,"sentiment":"neutral","sentiment_score":0.30831179101216166},{"text":"Okay?","start":1079.275,"end":1079.775,"sentiment":"neutral","sentiment_score":0.18750599026679993},{"text":"All good.","start":1080.8,"end":1081.44,"sentiment":"neutral","sentiment_score":-0.04612927883863449},{"text":"I won't take out too much more of your time.","start":1081.44,"end":1083.2,"sentiment":"neutral","sentiment_score":-0.2403710588812828}],"sentiment":"neutral","sentiment_score":0.12307888839859515,"num_words":64,"start":1065.915,"end":1083.2},{"sentences":[{"text":"I'll let you go.","start":1083.2,"end":1083.92,"sentiment":"positive","sentiment_score":0.5382159054279327},{"text":"You have a lovely evening.","start":1083.92,"end":1085.38,"sentiment":"positive","sentiment_score":0.7988101124763489},{"text":"Michelle will send those emails out to you shortly, and I will follow-up once I get those quotes done for you.","start":1085.44,"end":1091.04,"sentiment":"positive","sentiment_score":0.3648158730495544},{"text":"Okay?","start":1091.04,"end":1091.54,"sentiment":"neutral","sentiment_score":0.2591262459754944},{"text":"Thank you.","start":1093.1589,"end":1093.6389,"sentiment":"positive","sentiment_score":0.7404944896697998}],"sentiment":"positive","sentiment_score":0.47115644677118823,"num_words":33,"start":1083.2,"end":1093.6389},{"sentences":[{"text":"I hope you have a lovely evening.","start":1093.6389,"end":1095.3989,"sentiment":"positive","sentiment_score":0.7100269794464111},{"text":"Thanks for your time, Bradley.","start":1095.3989,"end":1096.8589,"sentiment":"positive","sentiment_score":0.6973133206367492},{"text":"See you later.","start":1096.919,"end":1097.7389,"sentiment":"positive","sentiment_score":0.5253122250239054},{"text":"Bye.","start":1097.799,"end":1098.299,"sentiment":"neutral","sentiment_score":-0.11671236902475356}],"sentiment":"positive","sentiment_score":0.6197487353347242,"num_words":16,"start":1093.6389,"end":1098.299}]}}]},{"alternatives":[{"transcript":"Brad speaking. Good. Thanks. You? Yeah. Should be alright. That's alright. Just depends how long it's gonna take because my son's in the background. That's all. Yeah. That's good. Yeah. That's fine. Yes. It's Bradley Staffrace. 20 7th September 1986 and 9092 Underbank Boulevard, No. Not at all. Everything seems fine. Yep. I can't say I do remember, but I might have I might have seen that. I just can't remember. Yep. Yep. Yep. Yes. Yep. Yeah. Good. Yep. Of course. Yeah. He's just I'm pushing him off at the moment. It's all good. All good. Yeah. That's alright. Yep. Yep. No. They're they're pretty straightforward. With the TPD, is it covered based on my weekly income? Or yep. Yep. Right. Okay. Yep. Yep. Yeah. It does. Yep. Okay. Fair enough. Yeah. Yes. It is. Yep. Yes. Yeah. Well, I'm happy to go up a little bit. That's fine. Yep. Yeah. Of course. Yeah. Yeah. No. That that works. We'll do that. That sounds good. Yep. Okay. Yep. That's fine. Yep. Yeah. Awesome. No problem. Yes. I think I got talked about I think this last year or the year before. Yep. Look. If you're putting together a a spreads that you're gonna email to me, you might as well add that in there as well. Yeah. Yeah. Two u sounds good to to begin with. Yep. Right. Okay. Yeah. That sounds good. Yeah. Awesome. That's Yep. Not good. Look, I'd like to retire a bit earlier, but who knows? Well, yeah. Yeah. No. Look. Pay off my mortgage early would be nice, but, yeah, I'm realistic. We'll see. We'll see how we go. About 520,000, I reckon. I'll happen to have it paid off here. We got a value recently of I think it was about $6.50, so it's up it's up from what we paid. I think I only had the one car from last time. It's still the same. Yeah. It's at the time. Yeah. There is. Yeah. It's got a I think there's about 16,000. I saw I missed the next time. We got 9 and a half thousand at the moment. Yes. No. Not at the moment. Look. Not at the moment. Not at the moment. Correct. Three kids three kids and a and a wife. It's pretty expensive. Yep. It's bugging away. It's been it's been okay. We've got a we've got a mortgage park at the that with whatever we need, so he's pretty good. Correct. Yes. Exactly. No. We have. Yes. We have multiple. No. I don't think we have I don't think we have fucking anybody yet. Of course. Yep. No. That sounds good. Yeah. No. Yeah. We could do that. That sounds good. No. I'm alright. My wife, she's alright too for the moment, I think. Obviously, we've got a she's she's going for a checkup to make sure everything's all good, but health wise, I think we're okay. Yeah. Yep. Yep. Look. I'm I'm probably in the middle. Look. Every everything's been alright at the moment, and I'm still, you know, happy to be aggressive with it. But, you know, if if it drops, I'd I wouldn't be I wouldn't say I'm too concerned, but, you know, just the level of the level of concern, I'd be silly not to be. I wouldn't say I'd never consider it, but I just haven't considered it up until this point. Yeah. Correct. Yeah. Possibly. It just depends. Like, obviously, gotta have the right conversations, but I haven't up until that up until this. I can. I can. Yeah. Yeah. Look. I haven't up until this point. No. No. Look. At the moment, I'm I'm still happy where I am in it. Oh, look. We we can get this for 12 at the moment and over over the next couple of years, I'll I'll ask that. Yeah. Fine. Yeah. Yes. That's fine. I I know how it works, but, no. No questions at the moment. Yep. Yep. Of course. All good. Yep. No problem. Thank you. All good. No worries at all. Thank you. Yes, sir. Cheers. 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speaking. Good. Thanks. You? Yeah.\n\nShould be alright. That's alright. Just depends how long it's gonna take because my son's in the background. That's all. Yeah.\n\nThat's good. Yeah. That's fine. Yes. It's Bradley Staffrace.\n\n20 7th September 1986 and 9092 Underbank Boulevard, No. Not at all. Everything seems fine. Yep. I can't say I do remember, but I might have I might have seen that.\n\nI just can't remember. Yep. Yep. Yep. Yes.\n\nYep. Yeah. Good. Yep. Of course.\n\nYeah. He's just I'm pushing him off at the moment. It's all good. All good. Yeah.\n\nThat's alright. Yep. Yep. No. They're they're pretty straightforward.\n\nWith the TPD, is it covered based on my weekly income? Or yep. Yep. Right. Okay.\n\nYep. Yep. Yeah. It does. Yep.\n\nOkay. Fair enough. Yeah. Yes. It is.\n\nYep. Yes. Yeah. Well, I'm happy to go up a little bit. That's fine.\n\nYep. Yeah. Of course. Yeah. Yeah.\n\nNo. That that works. We'll do that. That sounds good. Yep.\n\nOkay. Yep. That's fine. Yep. Yeah.\n\nAwesome. No problem. Yes. I think I got talked about I think this last year or the year before. Yep.\n\nLook. If you're putting together a a spreads that you're gonna email to me, you might as well add that in there as well. Yeah. Yeah. Two u sounds good to to begin with.\n\nYep. Right. Okay. Yeah. That sounds good.\n\nYeah. Awesome. That's Yep. Not good. Look, I'd like to retire a bit earlier, but who knows?\n\nWell, yeah. Yeah. No. Look. Pay off my mortgage early would be nice, but, yeah, I'm realistic.\n\nWe'll see. We'll see how we go. About 520,000, I reckon. I'll happen to have it paid off here. We got a value recently of I think it was about $6.50, so it's up it's up from what we paid.\n\nI think I only had the one car from last time. It's still the same. Yeah. It's at the time. Yeah.\n\nThere is. Yeah. It's got a I think there's about 16,000. I saw I missed the next time. We got 9 and a half thousand at the moment.\n\nYes. No. Not at the moment. Look. Not at the moment.\n\nNot at the moment. Correct. Three kids three kids and a and a wife. It's pretty expensive. Yep.\n\nIt's bugging away. It's been it's been okay. We've got a we've got a mortgage park at the that with whatever we need, so he's pretty good. Correct. Yes.\n\nExactly. No. We have. Yes. We have multiple.\n\nNo. I don't think we have I don't think we have fucking anybody yet. Of course. Yep. No.\n\nThat sounds good. Yeah. No. Yeah. We could do that.\n\nThat sounds good. No. I'm alright. My wife, she's alright too for the moment, I think. Obviously, we've got a she's she's going for a checkup to make sure everything's all good, but health wise, I think we're okay.\n\nYeah. Yep. Yep. Look. I'm I'm probably in the middle.\n\nLook. Every everything's been alright at the moment, and I'm still, you know, happy to be aggressive with it. But, you know, if if it drops, I'd I wouldn't be I wouldn't say I'm too concerned, but, you know, just the level of the level of concern, I'd be silly not to be. I wouldn't say I'd never consider it, but I just haven't considered it up until this point. Yeah.\n\nCorrect. Yeah. Possibly. It just depends. Like, obviously, gotta have the right conversations, but I haven't up until that up until this.\n\nI can. I can. Yeah. Yeah. Look.\n\nI haven't up until this point. No. No. Look. At the moment, I'm I'm still happy where I am in it.\n\nOh, look. We we can get this for 12 at the moment and over over the next couple of years, I'll I'll ask that. Yeah. Fine. Yeah.\n\nYes. That's fine. I I know how it works, but, no. No questions at the moment. Yep.\n\nYep. Of course. All good. Yep. No problem.\n\nThank you. All good. No worries at all. Thank you. Yes, sir.\n\nCheers. Bye.","paragraphs":[{"sentences":[{"text":"Brad speaking.","start":0.96,"end":1.78,"sentiment":"neutral","sentiment_score":0.01624230667948723},{"text":"Good.","start":6.3999996,"end":6.72,"sentiment":"positive","sentiment_score":0.5641443729400635},{"text":"Thanks.","start":6.72,"end":7.04,"sentiment":"positive","sentiment_score":0.6116304993629456},{"text":"You?","start":7.04,"end":7.54,"sentiment":"positive","sentiment_score":0.4366900026798248},{"text":"Yeah.","start":14.065001,"end":14.545,"sentiment":"neutral","sentiment_score":0.06426088511943817}],"sentiment":"neutral","sentiment_score":0.28486839557687443,"num_words":6,"start":0.96,"end":14.545},{"sentences":[{"text":"Should be alright.","start":14.545,"end":21.365,"sentiment":"neutral","sentiment_score":0.07107783108949661},{"text":"That's alright.","start":21.505001,"end":21.904999,"sentiment":"neutral","sentiment_score":-0.004837068496271968},{"text":"Just depends how long it's gonna take because my son's in the 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point.","start":958.095,"end":959.615,"sentiment":"neutral","sentiment_score":-0.07147808372974396},{"text":"No.","start":959.615,"end":960.115,"sentiment":"neutral","sentiment_score":-0.10632769018411636},{"text":"No.","start":987.365,"end":987.765,"sentiment":"neutral","sentiment_score":-0.23402386903762817},{"text":"Look.","start":987.765,"end":988.005,"sentiment":"neutral","sentiment_score":-0.13914553821086884},{"text":"At the moment, I'm I'm still happy where I am in it.","start":988.005,"end":990.42505,"sentiment":"neutral","sentiment_score":-0.021518905103827517}],"sentiment":"neutral","sentiment_score":-0.055552021955095586,"num_words":21,"start":958.095,"end":990.42505},{"sentences":[{"text":"Oh, look.","start":1004.91003,"end":1005.23004,"sentiment":"neutral","sentiment_score":0.021780550479888916},{"text":"We we can get this for 12 at the moment and over over the next couple of years, I'll I'll ask that.","start":1005.23004,"end":1014.565,"sentiment":"neutral","sentiment_score":0.0683255209164186},{"text":"Yeah.","start":1021.105,"end":1021.56,"sentiment":"neutral","sentiment_score":0.10727789998054504},{"text":"Fine.","start":1026.12,"end":1026.6,"sentiment":"neutral","sentiment_score":0.10629789531230928},{"text":"Yeah.","start":1026.6,"end":1027.1,"sentiment":"neutral","sentiment_score":0.05611652135848999}],"sentiment":"neutral","sentiment_score":0.06727462510267894,"num_words":27,"start":1004.91003,"end":1027.1},{"sentences":[{"text":"Yes.","start":1027.4,"end":1027.64,"sentiment":"neutral","sentiment_score":0.06251972168684006},{"text":"That's fine.","start":1027.64,"end":1028.38,"sentiment":"neutral","sentiment_score":0.09958188235759735},{"text":"I I know how it works, but, no.","start":1037.865,"end":1039.785,"sentiment":"neutral","sentiment_score":-0.03232474555261433},{"text":"No questions at the moment.","start":1039.785,"end":1041.0851,"sentiment":"neutral","sentiment_score":-0.126590234041214},{"text":"Yep.","start":1054.6799,"end":1055.1799,"sentiment":"neutral","sentiment_score":0.1496763825416565}],"sentiment":"neutral","sentiment_score":-0.028246427393134904,"num_words":17,"start":1027.4,"end":1055.1799},{"sentences":[{"text":"Yep.","start":1062.2,"end":1062.7,"sentiment":"neutral","sentiment_score":-0.02059156075119972},{"text":"Of course.","start":1065.805,"end":1066.545,"sentiment":"neutral","sentiment_score":0.08571657538414001},{"text":"All good.","start":1079.64,"end":1080.3,"sentiment":"positive","sentiment_score":0.34726759791374207},{"text":"Yep.","start":1080.4401,"end":1080.9401,"sentiment":"neutral","sentiment_score":0.15591652691364288},{"text":"No problem.","start":1081.0,"end":1081.66,"sentiment":"neutral","sentiment_score":-0.09654632210731506}],"sentiment":"neutral","sentiment_score":0.10102508356794715,"num_words":8,"start":1062.2,"end":1081.66},{"sentences":[{"text":"Thank you.","start":1085.64,"end":1086.38,"sentiment":"positive","sentiment_score":0.6405843198299408},{"text":"All good.","start":1091.16,"end":1091.8201,"sentiment":"positive","sentiment_score":0.6240541040897369},{"text":"No worries at all.","start":1091.88,"end":1092.9401,"sentiment":"positive","sentiment_score":0.4497556760907173},{"text":"Thank you.","start":1093.9601,"end":1094.7089,"sentiment":"positive","sentiment_score":0.6888947188854218},{"text":"Yes, sir.","start":1095.6688,"end":1096.7089,"sentiment":"positive","sentiment_score":0.5705129206180573}],"sentiment":"positive","sentiment_score":0.5705929026007652,"num_words":12,"start":1085.64,"end":1096.7089},{"sentences":[{"text":"Cheers.","start":1096.7089,"end":1097.2089,"sentiment":"positive","sentiment_score":0.640676736831665},{"text":"Bye.","start":1097.7489,"end":1098.2489,"sentiment":"neutral","sentiment_score":0.2600226402282715}],"sentiment":"positive","sentiment_score":0.45034968852996826,"num_words":2,"start":1096.7089,"end":1098.2489}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Brad speaking.\n\nChannel 0: Hi, Brad. It's Dana from OKIE Financial. How are you this afternoon?\n\nChannel 1: Good. Thanks. You?\n\nChannel 0: I'm very well. Thank you. I had you booked in to go through your annual review today. Is now still a good time there for you?\n\nChannel 1: Yeah. Should\n\nChannel 0: If if it's not, that's okay. I'm happy to reschedule.\n\nChannel 1: be\n\nChannel 0: I just wanna make sure you've got the time to go through it all. So\n\nChannel 1: alright.\n\nChannel 0: sorry.\n\nChannel 1: That's alright. Just depends how long it's gonna take because my son's in the background. That's all.\n\nChannel 0: Oh, well, look. Normally, it takes around between fifteen to half an hour depending on what we need to go through. But I can just try to make it as quickly as possible, and we can always come back and follow-up later if there's anything additional. Does that sound okay?\n\nChannel 1: Yeah. That's good.\n\nChannel 0: Yeah. Fantastic. As part of the annual review, just to let you know, we do record all of our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Fantastic. And just to do security there with you, I am discussing your personal information. So I need to confirm your full name, date of birth, and address I should have on\n\nChannel 1: Yes. It's\n\nChannel 0: file.\n\nChannel 1: Bradley Staffrace. 20\n\nChannel 0: Yep.\n\nChannel 1: 7th September 1986 and 9092 Underbank Boulevard,\n\nChannel 0: Yep. Beautiful. Thank you so much for that. So, Bradley, the first thing I just want to follow-up just before we do jump into the annual review completely. Is there anything you wanted to sort of ask or touch base on as part of this that I needed to maybe be aware of?\n\nChannel 1: No. Not at all. Everything seems fine.\n\nChannel 0: Right. Yeah. Excellent. Well, I'll jump in and give you an update on your stupidest stuff, but that's probably the\n\nChannel 1: Yep.\n\nChannel 0: most important part. Essentially, having a look at things. So first thing I'm just looking at here, you would have received an email around about the March 13 from us just noting some changes to your portfolio. Do you remember receiving an email there at all? Would have had the heading net wealth portfolio update?\n\nChannel 1: I can't say I do remember, but I might have I might have seen that. I just can't remember.\n\nChannel 0: No. No. That's okay. That's not a problem at all. So we did send you an email to you about a month ago, just over a month ago now, just letting you know there have been some changes that we were making to your portfolio.\n\nChannel 1: Yep.\n\nChannel 0: So one of your underlying investments you had had in there was Benelong Australian Equities, and it's been underperforming a little bit. It had some underlying issues there. So we took a bit of a stance and removed that from your portfolio, and that's essentially\n\nChannel 1: Yep.\n\nChannel 0: what the email was letting you know about. We've replaced it with the BetaShares a 200. So this is essentially giving you access to Australian equities. Benelong\n\nChannel 1: Yep.\n\nChannel 0: actually only has a small amount, generally between 20 to 30 different equities investments in there, whereas the Australian 200 gives you access to the top 200 companies on the ASX. It's more passively managed fund. It's a bit cheaper as well. So\n\nChannel 1: Yes.\n\nChannel 0: there are benefits to swapping that out for you, and that obviously has had a little bit of a better track record there. So when I look at you so far, when we did speak last time, your last time you review, your balance was 88,655. And as\n\nChannel 1: Yep.\n\nChannel 0: of today's date there, your balance is now $110,005.46. So you have had a wonderful increase there for you.\n\nChannel 1: Yeah. Good.\n\nChannel 0: Looking at the return after the net of fees for the last twelve months, you're up by 3.48%. So, again, it\n\nChannel 1: Yep.\n\nChannel 0: is a good solid positive result with what's happening in the globally in the market here at the moment, which is good to see. Okay?\n\nChannel 1: Of course.\n\nChannel 0: Excellent. Look. I just need to let you know as well. If you do need me to stop because I can hear your son in the background,\n\nChannel 1: Yeah.\n\nChannel 0: you let\n\nChannel 1: He's\n\nChannel 0: me\n\nChannel 1: just\n\nChannel 0: know.\n\nChannel 1: I'm\n\nChannel 0: I'm\n\nChannel 1: pushing\n\nChannel 0: happy\n\nChannel 1: him\n\nChannel 0: to\n\nChannel 1: off\n\nChannel 0: stop.\n\nChannel 1: at the moment.\n\nChannel 0: That's\n\nChannel 1: It's\n\nChannel 0: okay.\n\nChannel 1: all good.\n\nChannel 0: You just let me know if you need me to stop. I'm more than happy\n\nChannel 1: All\n\nChannel 0: to\n\nChannel 1: good.\n\nChannel 0: do so. I've got kids, so I\n\nChannel 1: Yeah.\n\nChannel 0: understand.\n\nChannel 1: That's alright.\n\nChannel 0: Beautiful. The next thing I'll just touch base on is your insurance side of things. So you've got your life, your TPD, and the income protection component here. That's all paid out of your super.\n\nChannel 1: Yep.\n\nChannel 0: Just to run through the check that you're happy with how that is all working for you. With your life and TPD cover, you currently have the sum insured of $623,004.32.\n\nChannel 1: Yep.\n\nChannel 0: Are you feeling comfortable with the level of cover you have with life and TBD? Do you understand how they work? Did you want to me to go through those in detail for you? Or\n\nChannel 1: No. They're they're pretty straightforward.\n\nChannel 0: Yeah.\n\nChannel 1: With the TPD, is it covered based on my weekly income? Or\n\nChannel 0: No. So TBD pays out a lump sum benefit or an income stream, and it's essentially\n\nChannel 1: yep.\n\nChannel 0: the same as life you pick a certain sum insured.\n\nChannel 1: Yep.\n\nChannel 0: Income protection is based on your income. So income protection is what pays out the monthly benefit in the event that you've been unable to work due to illness or injury,\n\nChannel 1: Right.\n\nChannel 0: and that\n\nChannel 1: Okay.\n\nChannel 0: one\n\nChannel 1: Yep.\n\nChannel 0: is more income based as opposed to the TPD or the last component. Does that make\n\nChannel 1: Yep.\n\nChannel 0: sense?\n\nChannel 1: Yeah. It does.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Generally, the way it works when we're off work, we start by claiming income protection. It's the first thing we try to claim. And then if we can never go back to work again, then we claim on TBD, and last cover is paid out if we passed away or if\n\nChannel 1: Okay.\n\nChannel 0: we're terminally ill and not likely to survive more than twelve months or two years depending on the definition.\n\nChannel 1: Fair\n\nChannel 0: Yeah.\n\nChannel 1: enough. Yeah.\n\nChannel 0: Oh, good. Income protection wise, I have the monthly, sorry, the monthly benefit amount. This is a gross of 2,000 sorry. 5,249. I apologize for that.\n\nWith that one there, income wise, I have you earning about a 120,000 per annum. Is that still fairly accurate?\n\nChannel 1: Yes. It is. Yep.\n\nChannel 0: Yeah. So I'm just double checking to see how that sort of stacks up there for you. With your income protection benefit, you are a little bit underinsured. So with income protection, you can be covered for up to 70% of your income, your gross income,\n\nChannel 1: Yes.\n\nChannel 0: which means that you would need a monthly benefit of about 7,000 even. Did you wanna look at altering that, or are you happy to keep your income protection the same? You also don't have to increase it if the monthly benefit sort of covers your expenditure.\n\nChannel 1: Yeah. Well, I'm happy to go up a little bit. That's fine.\n\nChannel 0: Yeah. All good.\n\nChannel 1: Yep.\n\nChannel 0: Not a problem at all. We can do that. Did you want me to maybe get a quote first to show you the difference in the cost, and you can let me know what you wanna do? Because increasing it does come at an\n\nChannel 1: Yeah.\n\nChannel 0: increased\n\nChannel 1: Of course.\n\nChannel 0: cost to the premium. Does that did you wanna look at that first, or did you\n\nChannel 1: Yeah.\n\nChannel 0: want me to\n\nChannel 1: Yeah.\n\nChannel 0: just\n\nChannel 1: No.\n\nChannel 0: organize\n\nChannel 1: That that\n\nChannel 0: the\n\nChannel 1: works.\n\nChannel 0: recommendation?\n\nChannel 1: We'll do that. That\n\nChannel 0: Yeah.\n\nChannel 1: sounds\n\nChannel 0: Yep.\n\nChannel 1: good.\n\nChannel 0: Perfect. So I'll grab a quote for that, and I'll send it through to you to have a look at. Now you do have a four week benefit. So a four week waiting period and a five year benefit period. It means if to claim on income protection, you just have to be off for four weeks, and then we can process the claim with the insurer.\n\nAnd\n\nChannel 1: Yep.\n\nChannel 0: a five year benefit period means you can be on a claim for up to five years. If at the\n\nChannel 1: Okay.\n\nChannel 0: end of that five years, you still can't go back to the work, the claim does stop regardless. So you're still happy with the waiting and benefit period\n\nChannel 1: Yep. That's fine.\n\nChannel 0: there? Yep. Yep. Beautiful. Lovely.\n\nWell, what I'll do is I'll obtain a quote from the insurer to increase that one. I'll email it through to you to have a look at. You can tell\n\nChannel 1: Yep.\n\nChannel 0: me whether you wanna go ahead with that, and then I can update the advice to reflect for you as well. Okay?\n\nChannel 1: Yeah. Awesome. No problem.\n\nChannel 0: Yep. Fantastic. Now there are other types of insurances that I don't know if anyone's ever spoken to you about, but there are other types of cover that are paid out of your back pocket like trauma. Has anyone ever spoken to you about trauma, what it is, how it works?\n\nChannel 1: Yes. I think I got talked about I think this last\n\nChannel 0: Yeah.\n\nChannel 1: year or the year before.\n\nChannel 0: Yep. Fantastic.\n\nChannel 1: Yep.\n\nChannel 0: And did you wanna look at sort of getting any trauma, or you're happy just for the three covers you've got at the moment?\n\nChannel 1: Look. If you're putting together a a spreads that you're gonna email\n\nChannel 0: Yeah.\n\nChannel 1: to me, you might as well add that in there as well.\n\nChannel 0: Yeah. Absolutely. So there are some benefits to having trauma.\n\nChannel 1: Yeah.\n\nChannel 0: Looking at the amount of cover you might want, some people just want, you know, one or two years worth of gross income or net income. Is there a certain amount you'd have like to have a look at for trauma, or did you want me to just look at one or two years worth of gross income to start with, and then we can have that conversation\n\nChannel 1: Yeah. Two u sounds good\n\nChannel 0: further.\n\nChannel 1: to to begin\n\nChannel 0: Two\n\nChannel 1: with.\n\nChannel 0: years sounds good? Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. There are benefits to linking that to some life cover. So with the life cover you have inside Super, it doesn't kinda have any extra benefits like funeral cover and things like that.\n\nChannel 1: Right.\n\nChannel 0: When you pay for a little bit of life out of your back pocket, you can also get, like, a your your family can claim, like, an up some upfront funeral benefit there as well. And if I was\n\nChannel 1: Okay.\n\nChannel 0: to link some of that life to the trauma, I can actually try to make those premiums a bit cheaper for you. Did you want me to try and bundle it together and see if I can make the premiums as cheap as possible?\n\nChannel 1: Yeah. That sounds good.\n\nChannel 0: Yeah? Beautiful. What I'll do, because it's quite a lot and you've got a lot going at the moment, I'll do up a bit of quote. I'll email it through to you so it explains it, and then I'll follow-up with a bit of a phone call just so you can kinda talk you short. And\n\nChannel 1: Yeah.\n\nChannel 0: you can\n\nChannel 1: Awesome.\n\nChannel 0: let me know what your thoughts are if that amount suits, and we can always look to adjust that prior to prior to updating the advice for you. Does that sound alright? Yeah. Beautiful. Fantastic.\n\nI'll take care of that for you. Not a problem at all. Now, Michelle also let me know that she did receive your beneficiary nominations back. Thank you so much for completing those.\n\nChannel 1: That's\n\nChannel 0: She just has to have them sent off to the insurer, and she'll follow-up to make sure they are applied to the to the insurers for you, for your sleep and your insurance policy.\n\nChannel 1: Yep.\n\nChannel 0: She checked them all, and everything's come back completely fine. So there's no issues with the form, which is wonderful.\n\nChannel 1: Not good.\n\nChannel 0: Excellent. I know she also did complete a bit of a fax line with you there. I just wanted to sort of clarify goals wise. You're looking to probably work through to about age 67. Is that what you're thinking at the moment, or did you wanna look at trying to retire a bit earlier?\n\nChannel 1: Look, I'd like to retire a bit earlier, but who knows?\n\nChannel 0: Yeah. That's okay. If you like goals wise, we can always look at working on 60. So 60 is the earliest under the legislation you can access, Super, if you fully retire.\n\nChannel 1: Well,\n\nChannel 0: I could\n\nChannel 1: yeah.\n\nChannel 0: always work on that goal for you, giving you the option. You don't have to retire then, but it gives you the option to if you like and and sort of shows whether we're able on track for that.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Beautiful. Excellent. You're still really young, so you've got a lot of time of of work life ahead of you there. Is there any other goals that you're sort of looking to achieve, whether it be personal financial over the next one to two to five years or anything there?\n\nChannel 1: No. Look. Pay off my mortgage early would be nice, but, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: I'm realistic. We'll see. We'll see how we go.\n\nChannel 0: Yep. Yep. Beautiful. How much do you owe on the mortgage at the moment?\n\nChannel 1: About 520,000,\n\nChannel 0: Okay. Beautiful. And you're\n\nChannel 1: I\n\nChannel 0: hoping to have that paid down by\n\nChannel 1: reckon.\n\nChannel 0: retirement, or you think you might\n\nChannel 1: I'll happen\n\nChannel 0: still have\n\nChannel 1: to\n\nChannel 0: a\n\nChannel 1: have\n\nChannel 0: little\n\nChannel 1: it\n\nChannel 0: bit?\n\nChannel 1: paid off here.\n\nChannel 0: Yeah. Yep. Beautiful. What kind of value would you put on the property at the moment?\n\nChannel 1: We got a value recently of I think it was about $6.50, so it's up it's up from what we paid.\n\nChannel 0: Yep. Okay. Perfect. Fantastic. There we go.\n\nAnd other assets down here, any other cars, boats, or caravans you put value on?\n\nChannel 1: I think I only had the one car from last time. It's still the same.\n\nChannel 0: Yep. Beautiful. So the last one I had here sorry. The last car I had noted down here doesn't have a oh, yes. It does have a value of about 10,000.\n\nIs that the same?\n\nChannel 1: Yeah. It's at the time. Yeah.\n\nChannel 0: Yep. Beautiful. No loans on that vehicle there at all?\n\nChannel 1: There is. Yeah. It's got a I think there's about 16,000. I saw I\n\nChannel 0: Okay. Perfect. What kind of car is it?\n\nChannel 1: missed the next time.\n\nChannel 0: Yep. Perfect. Excellent. And I also had down here previously, you had about 5,000 in savings. Do you still have anything in savings at the moment?\n\nChannel 1: We got 9 and a half thousand at the moment.\n\nChannel 0: Okay. Fantastic. And I also had a 10,000 personal loan. Have you gotten rid of that?\n\nChannel 1: Yes.\n\nChannel 0: Yes. Perfect. 9,000. Any investments outside of super? Any shares or anything that you might own as well?\n\nChannel 1: No. Not at the moment.\n\nChannel 0: No. That's okay. Not a problem at all. With your super, are you open to looking at salary sacrifice, or do you feel like it's something you wanna put on the back burner for now or looking at additional contribution?\n\nChannel 1: Look. Not at the moment. Not at the moment.\n\nChannel 0: Yeah. That's okay. Life is expensive, isn't it? It's completely\n\nChannel 1: Correct.\n\nChannel 0: understandable.\n\nChannel 1: Three kids\n\nChannel 0: I\n\nChannel 1: three\n\nChannel 0: can\n\nChannel 1: kids\n\nChannel 0: always\n\nChannel 1: and a and a wife. It's pretty expensive.\n\nChannel 0: absolutely. I've got three kids myself. I completely understand. When and if you decide you wanna look at that, please do let me know. We can always provide personal advice in that area.\n\nAnd, alternatively, if you wanna look at, you know, investing outside of super, absolutely fine. How\n\nChannel 1: Yep.\n\nChannel 0: are you finding you're paying down your mortgage? Do you need any help with that? Are you finding it's okay? You're just plugging away at it yourself?\n\nChannel 1: It's bugging away. It's been it's been\n\nChannel 0: Yep.\n\nChannel 1: okay.\n\nChannel 0: Yep. Beautiful. Well, if you did need any assistance there, please do let us know. We can provide cash on budgeting assistance, and we can always refer you to a mortgage broker for reevaluating the levels as well if interest rates continue to rise.\n\nChannel 1: We've\n\nChannel 0: Okay?\n\nChannel 1: got a we've got a mortgage park at the that with whatever we need, so he's pretty good.\n\nChannel 0: Oh, fantastic. It's always good to have a good mortgage broker, so I'm glad\n\nChannel 1: Correct.\n\nChannel 0: you've got a good one\n\nChannel 1: Yes.\n\nChannel 0: there. Yeah.\n\nChannel 1: Exactly.\n\nChannel 0: Excellent. I know Michelle's got your beneficiary nominations started there, which is absolutely fine. Have yourself and your partner ever done a will or had a will and power of attorney drawn up in the past?\n\nChannel 1: No.\n\nChannel 0: No? That's okay. Is this something you guys have talked about? Or\n\nChannel 1: We have. Yes. We have multiple.\n\nChannel 0: yeah. Yeah. Do you have a solicitor that you use that you would sort of refer yourself to to have that conversation and draw up those documents?\n\nChannel 1: No. I don't think we have I don't think we have fucking anybody yet.\n\nChannel 0: No. That's okay. It is really important to do those because your beneficiary\n\nChannel 1: Of course.\n\nChannel 0: nominations do look after your life and your super, but everything that you've worked so hard for outside of super is also really important to protect and having your will or power of attorney and with your kids or guardianship drawn up as well. Did\n\nChannel 1: Yep.\n\nChannel 0: you want maybe us to send through an email after the call just with some information on a local solicitor and a costing of how much they charge to do up a will for you just to kinda start the conversation or you're you don't have to.\n\nChannel 1: No.\n\nChannel 0: You're always\n\nChannel 1: That sounds\n\nChannel 0: welcome\n\nChannel 1: good.\n\nChannel 0: to say\n\nChannel 1: Yeah.\n\nChannel 0: no.\n\nChannel 1: No. Yeah. We could do that. That sounds\n\nChannel 0: Yeah?\n\nChannel 1: good.\n\nChannel 0: Yep. Beautiful. Beautiful. And health wise, is everything okay? No major changes in the last twelve months at all?\n\nChannel 1: No. I'm alright.\n\nChannel 0: Yep.\n\nChannel 1: My wife, she's alright too for the moment, I think.\n\nChannel 0: Oh,\n\nChannel 1: Obviously,\n\nChannel 0: fantastic.\n\nChannel 1: we've got a she's she's going for a checkup to make sure everything's all good, but\n\nChannel 0: Yeah.\n\nChannel 1: health wise, I think we're okay.\n\nChannel 0: Oh, fantastic. That's really\n\nChannel 1: Yeah.\n\nChannel 0: good to hear. Well, I won't take up too much of your time. I have kinda gone through everything I need to at the moment. The only other thing to kind of double check is just your risk profile. I'm just kinda going through I've answered some of those questions already for you to make it easier.\n\nChannel 1: Yep.\n\nChannel 0: Because you are still quite young, you have a lot of time before you're able to access super at this time frame.\n\nChannel 1: Yep.\n\nChannel 0: If you were to say your super fell in value by, say, 10 or 20% over the next, say, one to two years, how do you think you might be feeling? Do you think you'd be okay? Maybe you wanted to put more money in. Are you a bit concerned? Maybe you're wanting to talk to us about what's happening in the market, or are you really heavily concerned and wanting to sort of sell off those investments?\n\nHow do you think you might be feeling?\n\nChannel 1: Look. I'm I'm probably in the middle.\n\nChannel 0: Yeah.\n\nChannel 1: Look. Every everything's been alright at the moment, and I'm still, you\n\nChannel 0: Yeah.\n\nChannel 1: know, happy to be aggressive with it. But,\n\nChannel 0: Yeah.\n\nChannel 1: you know, if if it drops, I'd I wouldn't be I wouldn't say I'm too concerned, but, you know, just the level of the level of concern, I'd be silly not to be.\n\nChannel 0: Yeah. Absolutely. No. Completely understand. Looking here, have you ever thought about taking out a loan in order to invest in things like shares or managed funds, or is it something you'd never sorta consider?\n\nChannel 1: I wouldn't say I'd never consider it, but I just haven't considered\n\nChannel 0: Mhmm.\n\nChannel 1: it up until this point.\n\nChannel 0: Yeah. That's okay. Not a problem. So you might consider in the future depending on the risks involved. Is that kind of the right track?\n\nYeah.\n\nChannel 1: Yeah. Correct.\n\nChannel 0: Yep. Beautiful. And are you guys wanting to sort of have investment properties or any other investments outside of Super in the future or not really?\n\nChannel 1: Yeah. Possibly. It just depends. Like, obviously, gotta have the right conversations, but I haven't up until that up until this.\n\nChannel 0: Sorry. Can you hear me okay? I'm not\n\nChannel 1: I can.\n\nChannel 0: sure\n\nChannel 1: I\n\nChannel 0: if it\n\nChannel 1: can.\n\nChannel 0: dropped\n\nChannel 1: Yeah.\n\nChannel 0: out. Sorry. All good.\n\nChannel 1: Yeah. Look. I haven't up until this point. No.\n\nChannel 0: No. That's okay. That's not a problem at all. So having a look at things at the moment, you've scored there as a bit more of a growth investor, but you're in that high growth environment from what I can see. So that's where about 90% of your student is invested as growth assets, things like Australian shares, international share listed property, and commodities there.\n\nAre you still wanting to stay in that kind of high growth environment, or are you wanting to maybe look at adjusting your risk level a little bit? How do you feel about that at the moment?\n\nChannel 1: No. Look. At the moment, I'm I'm still happy where I am in it.\n\nChannel 0: Yeah. Yeah. Beautiful. Well, we'll make sure we definitely do a bit of a catch up with you. Moving forward, did you wanna see catch ups maybe every three or six months, or are you happy with just an annual review once every twelve months unless you sort of let us know of a change?\n\nWhat would you like to see over the\n\nChannel 1: Oh,\n\nChannel 0: next?\n\nChannel 1: look. We we can get this for 12 at the moment and\n\nChannel 0: Yep.\n\nChannel 1: over over the next couple of years, I'll I'll ask\n\nChannel 0: Yay. Absolutely. If anything happens to the market\n\nChannel 1: that.\n\nChannel 0: that you are concerned about, please do let me know, Bradley. More than happy to have a chat, talk you through what's going on, and reassess your risk level.\n\nChannel 1: Yeah.\n\nChannel 0: After the call, they will send through your annual review pack. You've had a few of these now, so you're pretty well versed with\n\nChannel 1: Fine.\n\nChannel 0: what's in\n\nChannel 1: Yeah.\n\nChannel 0: there. Just\n\nChannel 1: Yes.\n\nChannel 0: your\n\nChannel 1: That's\n\nChannel 0: ongoing\n\nChannel 1: fine.\n\nChannel 0: service agreement for the next twelve months there. Do you have any questions? Do you understand how the fee structure works, and do you have any questions around our fee structure at all?\n\nChannel 1: I I know how it works, but, no. No questions at the moment.\n\nChannel 0: No. That's okay. Not a problem. This has the ongoing service agreement in there for the next twelve months with the 1.65% noted for you. We've also got the financial service guide in there outlining everything about who I am.\n\nIt has my license information for you. We'll also\n\nChannel 1: Yep.\n\nChannel 0: have a tax file consent in there as well. So we just like to make sure we're updating the consent and letting you know that we do hold your tax phone number. All of this is\n\nChannel 1: Yep.\n\nChannel 0: very sensitive information, so we wanna protect that on your behalf.\n\nChannel 1: Of\n\nChannel 0: And we'll\n\nChannel 1: course.\n\nChannel 0: also have, obviously, some updated balances and statements and things in there for you with your insurances, your current balance, and also the portfolio report I went through as well. So you're welcome to run your eyes over that and let me know if you do have any questions. Okay?\n\nChannel 1: All good. Yep.\n\nChannel 0: All\n\nChannel 1: No\n\nChannel 0: good.\n\nChannel 1: problem.\n\nChannel 0: I won't take out too much more of your time. I'll let you go. You have a lovely evening. Michelle\n\nChannel 1: Thank\n\nChannel 0: will\n\nChannel 1: you.\n\nChannel 0: send those emails out to you shortly, and I will follow-up once I get those quotes done for you. Okay?\n\nChannel 1: All good. No worries at all.\n\nChannel 0: Thank you. I hope you\n\nChannel 1: Thank\n\nChannel 0: have\n\nChannel 1: you.\n\nChannel 0: a lovely evening. Thanks\n\nChannel 1: Yes,\n\nChannel 0: for your time, Bradley.\n\nChannel 1: sir. Cheers.\n\nChannel 0: See you later.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Brad speaking.","start":0.96,"end":1.78,"sentiment":"neutral","sentiment_score":0.01624230667948723}],"sentiment":"neutral","sentiment_score":0.01624230667948723,"channel":1,"num_words":2,"start":0.96,"end":1.78},{"sentences":[{"text":"Hi, Brad.","start":2.3999999,"end":2.96,"sentiment":"neutral","sentiment_score":0.11496933549642563},{"text":"It's Dana from OKIE Financial.","start":2.96,"end":4.5,"sentiment":"neutral","sentiment_score":0.17386895418167114},{"text":"How are you this afternoon?","start":4.64,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.2274805337190628}],"sentiment":"neutral","sentiment_score":0.18639050920804343,"channel":0,"num_words":12,"start":2.3999999,"end":5.8599997},{"sentences":[{"text":"Good.","start":6.3999996,"end":6.72,"sentiment":"positive","sentiment_score":0.5641443729400635},{"text":"Thanks.","start":6.72,"end":7.04,"sentiment":"positive","sentiment_score":0.6116304993629456},{"text":"You?","start":7.04,"end":7.54,"sentiment":"positive","sentiment_score":0.4366900026798248}],"sentiment":"positive","sentiment_score":0.5374882916609446,"channel":1,"num_words":3,"start":6.3999996,"end":7.54},{"sentences":[{"text":"I'm very well.","start":7.8399997,"end":8.639999,"sentiment":"positive","sentiment_score":0.6230561931927999},{"text":"Thank you.","start":8.639999,"end":9.12,"sentiment":"positive","sentiment_score":0.6883319914340973},{"text":"I had you booked in to go through your annual review today.","start":9.12,"end":11.2,"sentiment":"neutral","sentiment_score":0.3241190214951833},{"text":"Is now still a good time there for you?","start":11.2,"end":13.219999,"sentiment":"neutral","sentiment_score":0.28879005379147}],"sentiment":"positive","sentiment_score":0.37439889632738554,"channel":0,"num_words":26,"start":7.8399997,"end":13.219999},{"sentences":[{"text":"Yeah.","start":14.065001,"end":14.545,"sentiment":"neutral","sentiment_score":0.06426088511943817},{"text":"Should","start":14.545,"end":15.045,"sentiment":"neutral","sentiment_score":0.05545811355113983}],"sentiment":"neutral","sentiment_score":0.059859499335289,"channel":1,"num_words":2,"start":14.065001,"end":15.045},{"sentences":[{"text":"If if it's not, that's okay.","start":15.255,"end":16.855,"sentiment":"neutral","sentiment_score":-0.002014013434139391},{"text":"I'm happy to reschedule.","start":16.855,"end":18.055,"sentiment":"neutral","sentiment_score":0.31265461444854736}],"sentiment":"neutral","sentiment_score":0.12385343771893531,"channel":0,"num_words":10,"start":15.255,"end":18.055},{"sentences":[{"text":"be","start":17.705,"end":18.205,"sentiment":"neutral","sentiment_score":0.12759265303611755}],"sentiment":"neutral","sentiment_score":0.12759265303611755,"channel":1,"num_words":1,"start":17.705,"end":18.205},{"sentences":[{"text":"I just wanna make sure you've got the time to go through it all.","start":18.055,"end":20.855,"sentiment":"neutral","sentiment_score":0.1810663901269436},{"text":"So","start":20.855,"end":21.175,"sentiment":"neutral","sentiment_score":0.029820486903190613}],"sentiment":"neutral","sentiment_score":0.17098332991202672,"channel":0,"num_words":15,"start":18.055,"end":21.175},{"sentences":[{"text":"alright.","start":20.865,"end":21.365,"sentiment":"neutral","sentiment_score":0.030182726681232452}],"sentiment":"neutral","sentiment_score":0.030182726681232452,"channel":1,"num_words":1,"start":20.865,"end":21.365},{"sentences":[{"text":"sorry.","start":21.175,"end":21.675,"sentiment":"neutral","sentiment_score":-0.02257087267935276}],"sentiment":"neutral","sentiment_score":-0.02257087267935276,"channel":0,"num_words":1,"start":21.175,"end":21.675},{"sentences":[{"text":"That's alright.","start":21.505001,"end":21.904999,"sentiment":"neutral","sentiment_score":-0.004837068496271968},{"text":"Just depends how long it's gonna take because my son's in the background.","start":21.904999,"end":24.48,"sentiment":"neutral","sentiment_score":-0.025952205061912537},{"text":"That's all.","start":24.48,"end":25.06,"sentiment":"neutral","sentiment_score":0.004394844174385071}],"sentiment":"neutral","sentiment_score":-0.019897830261684516,"channel":1,"num_words":17,"start":21.505001,"end":25.06},{"sentences":[{"text":"Oh, well, look.","start":25.255001,"end":25.974998,"sentiment":"neutral","sentiment_score":0.029755578686793644},{"text":"Normally, it takes around between fifteen to half an hour depending on what we need to go through.","start":25.974998,"end":30.08,"sentiment":"neutral","sentiment_score":0.03104548394266102},{"text":"But I can just try to make it as quickly as possible, and we can always come back and follow-up later if there's anything additional.","start":30.08,"end":35.440002,"sentiment":"neutral","sentiment_score":0.0893362545967102},{"text":"Does that sound okay?","start":35.440002,"end":36.5,"sentiment":"neutral","sentiment_score":0.0832201037555933}],"sentiment":"neutral","sentiment_score":0.06428744453936815,"channel":0,"num_words":50,"start":25.255001,"end":36.5},{"sentences":[{"text":"Yeah.","start":36.4,"end":36.8,"sentiment":"neutral","sentiment_score":0.11409977078437804},{"text":"That's good.","start":36.8,"end":37.62,"sentiment":"neutral","sentiment_score":0.2513303607702255}],"sentiment":"neutral","sentiment_score":0.20558683077494302,"channel":1,"num_words":3,"start":36.4,"end":37.62},{"sentences":[{"text":"Yeah.","start":38.0,"end":38.4,"sentiment":"neutral","sentiment_score":0.2890821695327759},{"text":"Fantastic.","start":38.4,"end":38.9,"sentiment":"positive","sentiment_score":0.5349516868591309},{"text":"As part of the annual review, just to let you know, we do record all of our calls for quality and training purposes.","start":40.015003,"end":44.675003,"sentiment":"neutral","sentiment_score":0.2450476515552272},{"text":"Are you happy for me to proceed with that?","start":44.735,"end":46.915,"sentiment":"neutral","sentiment_score":0.22137458622455597}],"sentiment":"neutral","sentiment_score":0.2486029740642099,"channel":0,"num_words":34,"start":38.0,"end":46.915},{"sentences":[{"text":"Yeah.","start":47.075,"end":47.395,"sentiment":"neutral","sentiment_score":0.1106414794921875},{"text":"That's fine.","start":47.395,"end":48.215,"sentiment":"neutral","sentiment_score":0.1866239532828331}],"sentiment":"neutral","sentiment_score":0.16129646201928458,"channel":1,"num_words":3,"start":47.075,"end":48.215},{"sentences":[{"text":"Fantastic.","start":48.655003,"end":49.155003,"sentiment":"positive","sentiment_score":0.39361169934272766},{"text":"And just to do security there with you, I am discussing your personal information.","start":49.695,"end":52.895,"sentiment":"neutral","sentiment_score":0.11858074367046356},{"text":"So I need to confirm your full name, date of birth, and address I should have on","start":52.895,"end":56.39,"sentiment":"neutral","sentiment_score":0.07807813803939258}],"sentiment":"neutral","sentiment_score":0.10565845179371536,"channel":0,"num_words":32,"start":48.655003,"end":56.39},{"sentences":[{"text":"Yes.","start":57.16,"end":57.399998,"sentiment":"neutral","sentiment_score":0.05603343993425369},{"text":"It's","start":57.399998,"end":57.719997,"sentiment":"neutral","sentiment_score":0.03494679555296898}],"sentiment":"neutral","sentiment_score":0.045490117743611336,"channel":1,"num_words":2,"start":57.16,"end":57.719997},{"sentences":[{"text":"file.","start":57.69,"end":58.19,"sentiment":"neutral","sentiment_score":0.0434468612074852}],"sentiment":"neutral","sentiment_score":0.0434468612074852,"channel":0,"num_words":1,"start":57.69,"end":58.19},{"sentences":[{"text":"Bradley Staffrace.","start":57.719997,"end":58.699997,"sentiment":"neutral","sentiment_score":0.024746306240558624},{"text":"20","start":59.399998,"end":59.719997,"sentiment":"neutral","sentiment_score":0.014376865699887276}],"sentiment":"neutral","sentiment_score":0.021289826060334843,"channel":1,"num_words":3,"start":57.719997,"end":59.719997},{"sentences":[{"text":"Yep.","start":59.489998,"end":59.989998,"sentiment":"neutral","sentiment_score":0.02096368372440338}],"sentiment":"neutral","sentiment_score":0.02096368372440338,"channel":0,"num_words":1,"start":59.489998,"end":59.989998},{"sentences":[{"text":"7th September 1986 and 9092 Underbank Boulevard,","start":59.719997,"end":64.36,"sentiment":"neutral","sentiment_score":0.035720279440283775}],"sentiment":"neutral","sentiment_score":0.035720279440283775,"channel":1,"num_words":7,"start":59.719997,"end":64.36},{"sentences":[{"text":"Yep.","start":65.41,"end":65.729996,"sentiment":"neutral","sentiment_score":0.0701926201581955},{"text":"Beautiful.","start":65.729996,"end":66.229996,"sentiment":"positive","sentiment_score":0.3670787811279297},{"text":"Thank you so much for that.","start":66.29,"end":67.965,"sentiment":"positive","sentiment_score":0.472305029630661},{"text":"So, Bradley, the first thing I just want to follow-up just before we do jump into the annual review completely.","start":68.604996,"end":72.765,"sentiment":"neutral","sentiment_score":0.11251368895173072},{"text":"Is there anything you wanted to sort of ask or touch base on as part of this that I needed to maybe be aware of?","start":72.765,"end":78.225,"sentiment":"neutral","sentiment_score":0.05003742709755898}],"sentiment":"neutral","sentiment_score":0.12777945350082415,"channel":0,"num_words":53,"start":65.41,"end":78.225},{"sentences":[{"text":"No.","start":79.265,"end":79.585,"sentiment":"neutral","sentiment_score":-0.07995771616697311},{"text":"Not at all.","start":79.585,"end":80.225,"sentiment":"neutral","sentiment_score":-0.07532835751771927},{"text":"Everything seems fine.","start":80.225,"end":81.525,"sentiment":"neutral","sentiment_score":0.007416492948929469}],"sentiment":"neutral","sentiment_score":-0.04052761569619179,"channel":1,"num_words":7,"start":79.265,"end":81.525},{"sentences":[{"text":"Right.","start":81.18,"end":81.68,"sentiment":"neutral","sentiment_score":0.07713218033313751},{"text":"Yeah.","start":81.9,"end":82.380005,"sentiment":"neutral","sentiment_score":0.1520404815673828},{"text":"Excellent.","start":82.380005,"end":82.86,"sentiment":"neutral","sentiment_score":0.23850904405117035},{"text":"Well, I'll jump in and give you an update on your stupidest stuff, but that's probably the","start":82.86,"end":85.98,"sentiment":"neutral","sentiment_score":0.09660467264406822}],"sentiment":"neutral","sentiment_score":0.10549805704504252,"channel":0,"num_words":20,"start":81.18,"end":85.98},{"sentences":[{"text":"Yep.","start":85.950005,"end":86.450005,"sentiment":"neutral","sentiment_score":0.06349915266036987}],"sentiment":"neutral","sentiment_score":0.06349915266036987,"channel":1,"num_words":1,"start":85.950005,"end":86.450005},{"sentences":[{"text":"most important part.","start":85.98,"end":87.200005,"sentiment":"neutral","sentiment_score":0.10070297867059708},{"text":"Essentially, having a look at things.","start":87.98,"end":89.340004,"sentiment":"neutral","sentiment_score":0.07403463621934255},{"text":"So first thing I'm just looking at here, you would have received an email around about the March 13 from us just noting some changes to your portfolio.","start":89.340004,"end":96.855,"sentiment":"neutral","sentiment_score":0.06836134714207479},{"text":"Do you remember receiving an email there at all?","start":96.995,"end":99.075005,"sentiment":"neutral","sentiment_score":0.029656646359297965},{"text":"Would have had the heading net wealth portfolio update?","start":99.075005,"end":101.655,"sentiment":"neutral","sentiment_score":0.006455035207586156}],"sentiment":"neutral","sentiment_score":0.05428072013468905,"channel":0,"num_words":55,"start":85.98,"end":101.655},{"sentences":[{"text":"I can't say I do remember, but I might have I might have seen that.","start":103.165,"end":106.524994,"sentiment":"neutral","sentiment_score":-0.02019395095606645},{"text":"I just can't remember.","start":106.524994,"end":107.424995,"sentiment":"neutral","sentiment_score":-0.02608197880908847}],"sentiment":"neutral","sentiment_score":-0.02143353576722898,"channel":1,"num_words":19,"start":103.165,"end":107.424995},{"sentences":[{"text":"No.","start":107.41,"end":107.81,"sentiment":"neutral","sentiment_score":-0.05165066942572594},{"text":"No.","start":107.81,"end":108.05,"sentiment":"neutral","sentiment_score":-0.044149018824100494},{"text":"That's okay.","start":108.05,"end":108.770004,"sentiment":"neutral","sentiment_score":0.038892253767699},{"text":"That's not a problem at all.","start":108.770004,"end":109.81,"sentiment":"neutral","sentiment_score":0.24474510798851648},{"text":"So we did send you an email to you about a month ago, just over a month ago now, just letting you know there have been some changes that we were making to your portfolio.","start":109.81,"end":116.39,"sentiment":"neutral","sentiment_score":0.09602837445480483}],"sentiment":"neutral","sentiment_score":0.10692107940299643,"channel":0,"num_words":45,"start":107.41,"end":116.39},{"sentences":[{"text":"Yep.","start":117.08,"end":117.58,"sentiment":"neutral","sentiment_score":0.06325934827327728}],"sentiment":"neutral","sentiment_score":0.06325934827327728,"channel":1,"num_words":1,"start":117.08,"end":117.58},{"sentences":[{"text":"So one of your underlying investments you had had in there was Benelong Australian Equities, and it's been underperforming a little bit.","start":117.09,"end":123.675,"sentiment":"neutral","sentiment_score":0.005349234931848266},{"text":"It had some underlying issues there.","start":123.675,"end":125.355,"sentiment":"neutral","sentiment_score":-0.057837980488936104},{"text":"So we took a bit of a stance and removed that from your portfolio, and that's essentially","start":125.355,"end":129.435,"sentiment":"neutral","sentiment_score":-0.010973820024553467}],"sentiment":"neutral","sentiment_score":-0.009242214552230305,"channel":0,"num_words":45,"start":117.09,"end":129.435},{"sentences":[{"text":"Yep.","start":129.16,"end":129.66,"sentiment":"neutral","sentiment_score":0.03078918159008026}],"sentiment":"neutral","sentiment_score":0.03078918159008026,"channel":1,"num_words":1,"start":129.16,"end":129.66},{"sentences":[{"text":"what the email was letting you know about.","start":129.435,"end":131.535,"sentiment":"neutral","sentiment_score":0.030721017392352223},{"text":"We've replaced it with the BetaShares a 200.","start":131.675,"end":134.395,"sentiment":"neutral","sentiment_score":0.07369545800611377},{"text":"So this is essentially giving you access to Australian equities.","start":134.395,"end":137.68,"sentiment":"neutral","sentiment_score":0.10249985679984093},{"text":"Benelong","start":137.9,"end":138.4,"sentiment":"neutral","sentiment_score":0.09200586378574371}],"sentiment":"neutral","sentiment_score":0.072308749443403,"channel":0,"num_words":27,"start":129.435,"end":138.4},{"sentences":[{"text":"Yep.","start":138.11499,"end":138.61499,"sentiment":"neutral","sentiment_score":0.0983348712325096}],"sentiment":"neutral","sentiment_score":0.0983348712325096,"channel":1,"num_words":1,"start":138.11499,"end":138.61499},{"sentences":[{"text":"actually only has a small amount, generally between 20 to 30 different equities investments in there, whereas the Australian 200 gives you access to the top 200 companies on the ASX.","start":138.54,"end":147.81999,"sentiment":"neutral","sentiment_score":0.09440640041664723},{"text":"It's more passively managed fund.","start":147.81999,"end":149.26,"sentiment":"neutral","sentiment_score":0.13732510805130005},{"text":"It's a bit cheaper as well.","start":149.26,"end":150.62,"sentiment":"neutral","sentiment_score":0.1670671080549558},{"text":"So","start":150.62,"end":151.095,"sentiment":"neutral","sentiment_score":0.13017497956752777}],"sentiment":"neutral","sentiment_score":0.11036747862953086,"channel":0,"num_words":43,"start":138.54,"end":151.095},{"sentences":[{"text":"Yes.","start":151.12,"end":151.62,"sentiment":"neutral","sentiment_score":0.23011283576488495}],"sentiment":"neutral","sentiment_score":0.23011283576488495,"channel":1,"num_words":1,"start":151.12,"end":151.62},{"sentences":[{"text":"there are benefits to swapping that out for you, and that obviously has had a little bit of a better track record there.","start":151.175,"end":156.935,"sentiment":"positive","sentiment_score":0.338087256187978},{"text":"So when I look at you so far, when we did speak last time, your last time you review, your balance was 88,655.","start":156.935,"end":164.94,"sentiment":"neutral","sentiment_score":0.1300870572095332},{"text":"And as","start":165.02,"end":165.34,"sentiment":"neutral","sentiment_score":0.13221800327301025}],"sentiment":"neutral","sentiment_score":0.22984260863934955,"channel":0,"num_words":48,"start":151.175,"end":165.34},{"sentences":[{"text":"Yep.","start":165.32501,"end":165.82501,"sentiment":"neutral","sentiment_score":0.13552264869213104}],"sentiment":"neutral","sentiment_score":0.13552264869213104,"channel":1,"num_words":1,"start":165.32501,"end":165.82501},{"sentences":[{"text":"of today's date there, your balance is now $110,005.46.","start":165.34,"end":169.5,"sentiment":"neutral","sentiment_score":0.16081952386432224},{"text":"So you have had a wonderful increase there for you.","start":169.5,"end":172.16,"sentiment":"positive","sentiment_score":0.6866655766963958}],"sentiment":"positive","sentiment_score":0.4375806043022557,"channel":0,"num_words":19,"start":165.34,"end":172.16},{"sentences":[{"text":"Yeah.","start":172.37,"end":172.61,"sentiment":"positive","sentiment_score":0.4521278440952301},{"text":"Good.","start":172.61,"end":173.11,"sentiment":"positive","sentiment_score":0.5277347564697266}],"sentiment":"positive","sentiment_score":0.48993130028247833,"channel":1,"num_words":2,"start":172.37,"end":173.11},{"sentences":[{"text":"Looking at the return after the net of fees for the last twelve months, you're up by 3.48%.","start":173.5,"end":179.84,"sentiment":"positive","sentiment_score":0.40907162096765304},{"text":"So, again, 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They explain the benefits of swapping out insurance coverage and offer coverage for personal and retirement needs. The representatives also provide personal advice and assistance, including personal financial goals and risk profiles. The customers are advised to review quotes and provide feedback for future reviews."},"intents":{"segments":[{"text":"I had you booked in to go through your annual review today. Is now still a good time there for you?","start_word":22,"end_word":42,"intents":[{"intent":"Book review","confidence_score":0.0033539734}]},{"text":"I'm happy to reschedule. be I just wanna make sure you've got the time to go through it all. So alright.","start_word":51,"end_word":71,"intents":[{"intent":"Reschedule","confidence_score":0.8746113}]},{"text":"And just to do security there with you, I am discussing your personal information. So I need to confirm your full name, date of birth, and address I should have on Yes.","start_word":181,"end_word":212,"intents":[{"intent":"Confirm security","confidence_score":0.10389708}]},{"text":"Well, I'll jump in and give you an update on your stupidest stuff, but that's probably the Yep. most important part. Essentially, having a look at things. So first thing I'm just looking at here, you would have received an email around about the March 13 from us just noting some changes to your portfolio.","start_word":289,"end_word":343,"intents":[{"intent":"Update portfolio","confidence_score":0.16022229}]},{"text":"Would have had the heading net wealth portfolio update? I can't say I do remember, but I might have I might have seen that. I just can't remember. No. No. That's okay. That's not a problem at all. So we did send you an email to you about a month ago, just over a month ago now, just letting you know there have been some changes that we were making to your portfolio. 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And Yep.","start_word":1293,"end_word":1341,"intents":[{"intent":"Process claim","confidence_score":0.6479799},{"intent":"Make claim","confidence_score":0.00072475197}]},{"text":"I'll email it through to you to have a look at. You can tell Yep. me whether you wanna go ahead with that, and then I can update the advice to reflect for you as well. Okay?","start_word":1416,"end_word":1452,"intents":[{"intent":"Offer help","confidence_score":0.014771721},{"intent":"Offer help","confidence_score":0.07597958}]},{"text":"Now there are other types of insurances that I don't know if anyone's ever spoken to you about, but there are other types of cover that are paid out of your back pocket like trauma. Has anyone ever spoken to you about trauma, what it is, how it works? 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We've Okay?","start_word":2634,"end_word":2677,"intents":[{"intent":"Offer assistance with loan plans","confidence_score":0.0000034831078}]},{"text":"you want maybe us to send through an email after the call just with some information on a local solicitor and a costing of how much they charge to do up a will for you just to kinda start the conversation or you're you don't have to. No.","start_word":2877,"end_word":2924,"intents":[{"intent":"Share financial details","confidence_score":0.00003221231}]},{"text":"Looking here, have you ever thought about taking out a loan in order to invest in things like shares or managed funds, or is it something you'd never sorta consider?","start_word":3244,"end_word":3273,"intents":[{"intent":"Evaluate investment options","confidence_score":0.18071878}]},{"text":"Moving forward, did you wanna see catch ups maybe every three or six months, or are you happy with just an annual review once every twelve months unless you sort of let us know of a change?","start_word":3531,"end_word":3567,"intents":[{"intent":"Schedule annual review","confidence_score":0.106756605}]},{"text":"Do you understand how the fee structure works, and do you have any questions around our fee structure at all?","start_word":3688,"end_word":3707,"intents":[{"intent":"Gather information about fee structure","confidence_score":0.0006513344}]},{"text":"We've also got the financial service guide in there outlining everything about who I am. It has my license information for you. We'll also Yep. have a tax file consent in there as well. So we just like to make sure we're updating the consent and letting you know that we do hold your tax phone number. All of this is Yep.","start_word":3746,"end_word":3807,"intents":[{"intent":"Provide financial information","confidence_score":0.0011525045},{"intent":"Clarify contact information","confidence_score":0.000021727026}]},{"text":"also have, obviously, some updated balances and statements and things in there for you with your insurances, your current balance, and also the portfolio report I went through as well.","start_word":3823,"end_word":3852,"intents":[{"intent":"Provide updated balances","confidence_score":0.007990127}]}]},"sentiments":{"segments":[{"text":"Brad speaking. Hi, Brad. It's Dana from OKIE Financial. How are you this afternoon?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.15683327615261078},{"text":"Good. Thanks. You? I'm very well. Thank you.","start_word":14,"end_word":21,"sentiment":"positive","sentiment_score":0.5968126058578491},{"text":"I had you booked in to go through your annual review today. Is now still a good time there for you? Yeah. Should If if it's not, that's okay. I'm happy to reschedule. be I just wanna make sure you've got the time to go through it all. So alright. sorry. That's alright. Just depends how long it's gonna take because my son's in the background. That's all. Oh, well, look. Normally, it takes around between fifteen to half an hour depending on what we need to go through. But I can just try to make it as quickly as possible, and we can always come back and follow-up later if there's anything additional. Does that sound okay? Yeah. That's good. Yeah.","start_word":22,"end_word":143,"sentiment":"neutral","sentiment_score":0.11150091141462326},{"text":"Fantastic.","start_word":144,"end_word":144,"sentiment":"positive","sentiment_score":0.5349516868591309},{"text":"As part of the annual review, just to let you know, we do record all of our calls for quality and training purposes. Are you happy for me to proceed with that? Yeah. That's fine.","start_word":145,"end_word":179,"sentiment":"neutral","sentiment_score":0.22579547762870789},{"text":"Fantastic.","start_word":180,"end_word":180,"sentiment":"positive","sentiment_score":0.39361169934272766},{"text":"And just to do security there with you, I am discussing your personal information. So I need to confirm your full name, date of birth, and address I should have on Yes. It's file. Bradley Staffrace. 20 Yep. 7th September 1986 and 9092 Underbank Boulevard, Yep.","start_word":181,"end_word":226,"sentiment":"neutral","sentiment_score":0.06924770027399063},{"text":"Beautiful. Thank you so much for that.","start_word":227,"end_word":233,"sentiment":"positive","sentiment_score":0.44397279620170593},{"text":"So, Bradley, the first thing I just want to follow-up just before we do jump into the annual review completely. Is there anything you wanted to sort of ask or touch base on as part of this that I needed to maybe be aware of? No. Not at all. Everything seems fine. Right. Yeah. Excellent. Well, I'll jump in and give you an update on your stupidest stuff, but that's probably the Yep. most important part. Essentially, having a look at things. So first thing I'm just looking at here, you would have received an email around about the March 13 from us just noting some changes to your portfolio. Do you remember receiving an email there at all? Would have had the heading net wealth portfolio update? I can't say I do remember, but I might have I might have seen that. I just can't remember. No. No. That's okay. That's not a problem at all. So we did send you an email to you about a month ago, just over a month ago now, just letting you know there have been some changes that we were making to your portfolio. Yep. So one of your underlying investments you had had in there was Benelong Australian Equities, and it's been underperforming a little bit. It had some underlying issues there. So we took a bit of a stance and removed that from your portfolio, and that's essentially Yep. what the email was letting you know about. We've replaced it with the BetaShares a 200. So this is essentially giving you access to Australian equities. Benelong Yep. actually only has a small amount, generally between 20 to 30 different equities investments in there, whereas the Australian 200 gives you access to the top 200 companies on the ASX. It's more passively managed fund. It's a bit cheaper as well. So Yes.","start_word":234,"end_word":544,"sentiment":"neutral","sentiment_score":0.06322427884558773},{"text":"there are benefits to swapping that out for you, and that obviously has had a little bit of a better track record there.","start_word":545,"end_word":567,"sentiment":"positive","sentiment_score":0.341224730014801},{"text":"So when I look at you so far, when we did speak last time, your last time you review, your balance was 88,655. And as Yep. of today's date there, your balance is now $110,005.46.","start_word":568,"end_word":602,"sentiment":"neutral","sentiment_score":0.138681098818779},{"text":"So you have had a wonderful increase there for you. Yeah. Good. Looking at the return after the net of fees for the last twelve months, you're up by 3.48%. So, again, it Yep. is a good solid positive result with what's happening in the globally in the market here at the moment, which is good to see.","start_word":603,"end_word":660,"sentiment":"positive","sentiment_score":0.5385493636131287},{"text":"Okay? Of course.","start_word":661,"end_word":663,"sentiment":"neutral","sentiment_score":0.28502175211906433},{"text":"Excellent.","start_word":664,"end_word":664,"sentiment":"positive","sentiment_score":0.5183610320091248},{"text":"Look. I just need to let you know as well. If you do need me to stop because I can hear your son in the background, Yeah. you let He's me just know. I'm I'm pushing happy him to off stop. at the moment. That's It's okay.","start_word":665,"end_word":711,"sentiment":"neutral","sentiment_score":0.09769745931980456},{"text":"all good.","start_word":712,"end_word":713,"sentiment":"positive","sentiment_score":0.4693332612514496},{"text":"You just let me know if you need me to stop.","start_word":714,"end_word":724,"sentiment":"neutral","sentiment_score":-0.003879551775753498},{"text":"I'm more than happy All to good.","start_word":725,"end_word":731,"sentiment":"positive","sentiment_score":0.4280923902988434},{"text":"do so. I've got kids, so I Yeah. understand. That's alright.","start_word":732,"end_word":742,"sentiment":"neutral","sentiment_score":0.14343811571598053},{"text":"Beautiful.","start_word":743,"end_word":743,"sentiment":"positive","sentiment_score":0.636184573173523},{"text":"The next thing I'll just touch base on is your insurance side of things. So you've got your life, your TPD, and the income protection component here. That's all paid out of your super. Yep.","start_word":744,"end_word":778,"sentiment":"neutral","sentiment_score":0.1170179769396782},{"text":"Just to run through the check that you're happy with how that is all working for you.","start_word":779,"end_word":795,"sentiment":"positive","sentiment_score":0.33598294854164124},{"text":"With your life and TPD cover, you currently have the sum insured of $623,004.32. Yep. Are you feeling comfortable with the level of cover you have with life and TBD? Do you understand how they work? Did you want to me to go through those in detail for you? Or No. They're they're pretty straightforward. Yeah. With the TPD, is it covered based on my weekly income? Or No. So TBD pays out a lump sum benefit or an income stream, and it's essentially yep. the same as life you pick a certain sum insured. Yep. Income protection is based on your income. So income protection is what pays out the monthly benefit in the event that you've been unable to work due to illness or injury, Right. and that Okay. one Yep. is more income based as opposed to the TPD or the last component. Does that make Yep. sense? Yeah. It does. Yeah. Yep. Yeah. Generally, the way it works when we're off work, we start by claiming income protection. It's the first thing we try to claim. And then if we can never go back to work again, then we claim on TBD, and last cover is paid out if we passed away or if Okay. we're terminally ill and not likely to survive more than twelve months or two years depending on the definition. Fair Yeah. enough. Yeah. Oh, good. Income protection wise, I have the monthly, sorry, the monthly benefit amount. This is a gross of 2,000 sorry. 5,249. I apologize for that. With that one there, income wise, I have you earning about a 120,000 per annum. Is that still fairly accurate? Yes. It is. Yep. Yeah. So I'm just double checking to see how that sort of stacks up there for you. With your income protection benefit, you are a little bit underinsured. So with income protection, you can be covered for up to 70% of your income, your gross income, Yes. which means that you would need a monthly benefit of about 7,000 even. Did you wanna look at altering that, or are you happy to keep your income protection the same? You also don't have to increase it if the monthly benefit sort of covers your expenditure. Yeah.","start_word":796,"end_word":1172,"sentiment":"neutral","sentiment_score":0.02440169297000615},{"text":"Well, I'm happy to go up a little bit. That's fine. Yeah. All good.","start_word":1173,"end_word":1186,"sentiment":"positive","sentiment_score":0.4657669961452484},{"text":"Yep. Not a problem at all. We can do that. Did you want me to maybe get a quote first to show you the difference in the cost, and you can let me know what you wanna do? Because increasing it does come at an Yeah. increased Of course. cost to the premium. Does that did you wanna look at that first, or did you Yeah. want me to Yeah. just No. organize That that the works. recommendation? We'll do that. That Yeah. sounds Yep.","start_word":1187,"end_word":1271,"sentiment":"neutral","sentiment_score":0.08696287870407104},{"text":"good. Perfect.","start_word":1272,"end_word":1273,"sentiment":"positive","sentiment_score":0.4394029378890991},{"text":"So I'll grab a quote for that, and I'll send it through to you to have a look at. Now you do have a four week benefit. So a four week waiting period and a five year benefit period. It means if to claim on income protection, you just have to be off for four weeks, and then we can process the claim with the insurer. And Yep. a five year benefit period means you can be on a claim for up to five years. If at the Okay. end of that five years, you still can't go back to the work, the claim does stop regardless. So you're still happy with the waiting and benefit period Yep. That's fine. there? Yep. Yep.","start_word":1274,"end_word":1396,"sentiment":"neutral","sentiment_score":0.10608597099781036},{"text":"Beautiful. Lovely.","start_word":1397,"end_word":1398,"sentiment":"positive","sentiment_score":0.6055362820625305},{"text":"Well, what I'll do is I'll obtain a quote from the insurer to increase that one. I'll email it through to you to have a look at. You can tell Yep. me whether you wanna go ahead with that, and then I can update the advice to reflect for you as well. Okay? Yeah.","start_word":1399,"end_word":1452,"sentiment":"neutral","sentiment_score":0.09735530780421364},{"text":"Awesome. No problem. Yep. Fantastic.","start_word":1453,"end_word":1457,"sentiment":"positive","sentiment_score":0.46446123719215393},{"text":"Now there are other types of insurances that I don't know if anyone's ever spoken to you about, but there are other types of cover that are paid out of your back pocket like trauma. Has anyone ever spoken to you about trauma, what it is, how it works? Yes. I think I got talked about I think this last Yeah. year or the year before. Yep.","start_word":1458,"end_word":1524,"sentiment":"neutral","sentiment_score":0.01901041343808174},{"text":"Fantastic.","start_word":1525,"end_word":1525,"sentiment":"positive","sentiment_score":0.3900423049926758},{"text":"Yep. And did you wanna look at sort of getting any trauma, or you're happy just for the three covers you've got at the moment? Look. If you're putting together a a spreads that you're gonna email Yeah. to me, you might as well add that in there as well. Yeah. Absolutely. So there are some benefits to having trauma. Yeah. Looking at the amount of cover you might want, some people just want, you know, one or two years worth of gross income or net income. Is there a certain amount you'd have like to have a look at for trauma, or did you want me to just look at one or two years worth of gross income to start with, and then we can have that conversation Yeah. Two u sounds good further. to to begin Two with. years sounds good? Yeah. Yep. Perfect. There are benefits to linking that to some life cover. So with the life cover you have inside Super, it doesn't kinda have any extra benefits like funeral cover and things like that. Right. When you pay for a little bit of life out of your back pocket, you can also get, like, a your your family can claim, like, an up some upfront funeral benefit there as well. And if I was Okay. to link some of that life to the trauma, I can actually try to make those premiums a bit cheaper for you. Did you want me to try and bundle it together and see if I can make the premiums as cheap as possible? Yeah.","start_word":1526,"end_word":1790,"sentiment":"neutral","sentiment_score":0.07251245528459549},{"text":"That sounds good.","start_word":1791,"end_word":1793,"sentiment":"positive","sentiment_score":0.3495602011680603},{"text":"Yeah?","start_word":1794,"end_word":1794,"sentiment":"neutral","sentiment_score":0.20654121041297913},{"text":"Beautiful.","start_word":1795,"end_word":1795,"sentiment":"positive","sentiment_score":0.4303300082683563},{"text":"What I'll do, because it's quite a lot and you've got a lot going at the moment, I'll do up a bit of quote. I'll email it through to you so it explains it, and then I'll follow-up with a bit of a phone call just so you can kinda talk you short. And Yeah.","start_word":1796,"end_word":1850,"sentiment":"neutral","sentiment_score":0.08436793088912964},{"text":"you can Awesome.","start_word":1851,"end_word":1853,"sentiment":"positive","sentiment_score":0.5409051179885864},{"text":"let me know what your thoughts are if that amount suits, and we can always look to adjust that prior to prior to updating the advice for you. Does that sound alright? Yeah.","start_word":1854,"end_word":1886,"sentiment":"neutral","sentiment_score":0.21777266263961792},{"text":"Beautiful. Fantastic. I'll take care of that for you. Not a problem at all.","start_word":1887,"end_word":1900,"sentiment":"positive","sentiment_score":0.5634407997131348},{"text":"Now, Michelle also let me know that she did receive your beneficiary nominations back.","start_word":1901,"end_word":1914,"sentiment":"neutral","sentiment_score":0.2780635356903076},{"text":"Thank you so much for completing those.","start_word":1915,"end_word":1921,"sentiment":"positive","sentiment_score":0.5669607520103455},{"text":"That's She just has to have them sent off to the insurer, and she'll follow-up to make sure they are applied to the to the insurers for you, for your sleep and your insurance policy. Yep.","start_word":1922,"end_word":1957,"sentiment":"neutral","sentiment_score":0.20769016444683075},{"text":"She checked them all, and everything's come back completely fine. So there's no issues with the form, which is wonderful.","start_word":1958,"end_word":1977,"sentiment":"positive","sentiment_score":0.45289286971092224},{"text":"Not good.","start_word":1978,"end_word":1979,"sentiment":"neutral","sentiment_score":0.06363026052713394},{"text":"Excellent.","start_word":1980,"end_word":1980,"sentiment":"positive","sentiment_score":0.35627514123916626},{"text":"I know she also did complete a bit of a fax line with you there. I just wanted to sort of clarify goals wise. You're looking to probably work through to about age 67. Is that what you're thinking at the moment, or did you wanna look at trying to retire a bit earlier? Look, I'd like to retire a bit earlier, but who knows? Yeah. That's okay. If you like goals wise, we can always look at working on 60. So 60 is the earliest under the legislation you can access, Super, if you fully retire. Well, I could yeah. always work on that goal for you, giving you the option. You don't have to retire then, but it gives you the option to if you like and and sort of shows whether we're able on track for that. Yeah. Yeah.","start_word":1981,"end_word":2122,"sentiment":"neutral","sentiment_score":0.10945291817188264},{"text":"Beautiful. Excellent.","start_word":2123,"end_word":2124,"sentiment":"positive","sentiment_score":0.462656170129776},{"text":"You're still really young, so you've got a lot of time of of work life ahead of you there. Is there any other goals that you're sort of looking to achieve, whether it be personal financial over the next one to two to five years or anything there? No. Look. Pay off my mortgage early would be nice, but, yeah, Yeah. I'm realistic. We'll see. We'll see how we go. Yep. Yep.","start_word":2125,"end_word":2196,"sentiment":"neutral","sentiment_score":0.1051875105024212},{"text":"Beautiful.","start_word":2197,"end_word":2197,"sentiment":"positive","sentiment_score":0.46374550461769104},{"text":"How much do you owe on the mortgage at the moment? About 520,000, Okay.","start_word":2198,"end_word":2211,"sentiment":"neutral","sentiment_score":0.07606234401464462},{"text":"Beautiful.","start_word":2212,"end_word":2212,"sentiment":"positive","sentiment_score":0.49712806940078735},{"text":"And you're I hoping to have that paid down by reckon. retirement, or you think you might I'll happen still have to a have little it bit? paid off here. Yeah. Yep.","start_word":2213,"end_word":2244,"sentiment":"neutral","sentiment_score":0.10652469098567964},{"text":"Beautiful.","start_word":2245,"end_word":2245,"sentiment":"positive","sentiment_score":0.3690783977508545},{"text":"What kind of value would you put on the property at the moment? We got a value recently of I think it was about $6.50, so it's up it's up from what we paid. Yep. Okay.","start_word":2246,"end_word":2281,"sentiment":"neutral","sentiment_score":0.0773572027683258},{"text":"Perfect. Fantastic. There we go.","start_word":2282,"end_word":2286,"sentiment":"positive","sentiment_score":0.5828691124916077},{"text":"And other assets down here, any other cars, boats, or caravans you put value on? I think I only had the one car from last time. It's still the same. Yep. Beautiful. So the last one I had here sorry. The last car I had noted down here doesn't have a oh, yes. It does have a value of about 10,000. Is that the same? Yeah. It's at the time. Yeah. Yep. Beautiful. No loans on that vehicle there at all? There is. Yeah. It's got a I think there's about 16,000. I saw I Okay. Perfect. What kind of car is it? missed the next time. Yep. Perfect.","start_word":2287,"end_word":2395,"sentiment":"neutral","sentiment_score":0.0002702634083107114},{"text":"Excellent.","start_word":2396,"end_word":2396,"sentiment":"positive","sentiment_score":0.3424637019634247},{"text":"And I also had down here previously, you had about 5,000 in savings. Do you still have anything in savings at the moment? We got 9 and a half thousand at the moment. Okay.","start_word":2397,"end_word":2430,"sentiment":"neutral","sentiment_score":0.04784481227397919},{"text":"Fantastic.","start_word":2431,"end_word":2431,"sentiment":"positive","sentiment_score":0.34217435121536255},{"text":"And I also had a 10,000 personal loan. Have you gotten rid of that? Yes. Yes. Perfect. 9,000. Any investments outside of super? Any shares or anything that you might own as well? No. Not at the moment. No. That's okay. Not a problem at all. With your super, are you open to looking at salary sacrifice, or do you feel like it's something you wanna put on the back burner for now or looking at additional contribution? Look. Not at the moment. Not at the moment. Yeah. That's okay. Life is expensive, isn't it? It's completely Correct. understandable. Three kids I three can kids always and a and a wife. It's pretty expensive. absolutely. I've got three kids myself. I completely understand. When and if you decide you wanna look at that, please do let me know. We can always provide personal advice in that area. And, alternatively, if you wanna look at, you know, investing outside of super, absolutely fine. How Yep. are you finding you're paying down your mortgage? Do you need any help with that? Are you finding it's okay? You're just plugging away at it yourself? It's bugging away. It's been it's been Yep. okay. Yep.","start_word":2432,"end_word":2632,"sentiment":"neutral","sentiment_score":-0.0027095992952140407},{"text":"Beautiful.","start_word":2633,"end_word":2633,"sentiment":"positive","sentiment_score":0.386442095041275},{"text":"Well, if you did need any assistance there, please do let us know. We can provide cash on budgeting assistance, and we can always refer you to a mortgage broker for reevaluating the levels as well if interest rates continue to rise. We've Okay? got a we've got a mortgage park at the that with whatever we need, so he's pretty good.","start_word":2634,"end_word":2695,"sentiment":"neutral","sentiment_score":0.10812940448522568},{"text":"Oh, fantastic. It's always good to have a good mortgage broker, so I'm glad Correct.","start_word":2696,"end_word":2710,"sentiment":"positive","sentiment_score":0.3872695863246918},{"text":"you've got a good one Yes. there. Yeah. Exactly.","start_word":2711,"end_word":2719,"sentiment":"neutral","sentiment_score":0.21861937642097473},{"text":"Excellent.","start_word":2720,"end_word":2720,"sentiment":"positive","sentiment_score":0.4103018045425415},{"text":"I know Michelle's got your beneficiary nominations started there, which is absolutely fine. Have yourself and your partner ever done a will or had a will and power of attorney drawn up in the past? No. No? That's okay. Is this something you guys have talked about? Or We have. Yes. We have multiple. yeah. Yeah. Do you have a solicitor that you use that you would sort of refer yourself to to have that conversation and draw up those documents? No. I don't think we have I don't think we have fucking anybody yet. No. That's okay. It is really important to do those because your beneficiary Of course. nominations do look after your life and your super, but everything that you've worked so hard for outside of super is also really important to protect and having your will or power of attorney and with your kids or guardianship drawn up as well. Did Yep. you want maybe us to send through an email after the call just with some information on a local solicitor and a costing of how much they charge to do up a will for you just to kinda start the conversation or you're you don't have to. No. You're always That sounds welcome good. to say Yeah. no. No. Yeah. We could do that. That sounds Yeah? good. Yep.","start_word":2721,"end_word":2945,"sentiment":"neutral","sentiment_score":0.046231234315782785},{"text":"Beautiful. Beautiful.","start_word":2946,"end_word":2947,"sentiment":"positive","sentiment_score":0.5006378293037415},{"text":"And health wise, is everything okay? No major changes in the last twelve months at all? No. I'm alright. Yep. My wife, she's alright too for the moment, I think. Oh, Obviously, fantastic. we've got a she's she's going for a checkup to make sure everything's all good, but Yeah. health wise, I think we're okay. Oh, fantastic. That's really Yeah. good to hear. Well, I won't take up too much of your time. I have kinda gone through everything I need to at the moment. The only other thing to kind of double check is just your risk profile. I'm just kinda going through I've answered some of those questions already for you to make it easier. Yep. Because you are still quite young, you have a lot of time before you're able to access super at this time frame. Yep. If you were to say your super fell in value by, say, 10 or 20% over the next, say, one to two years, how do you think you might be feeling? Do you think you'd be okay? Maybe you wanted to put more money in. Are you a bit concerned? Maybe you're wanting to talk to us about what's happening in the market, or are you really heavily concerned and wanting to sort of sell off those investments? How do you think you might be feeling? Look. I'm I'm probably in the middle. Yeah. Look. Every everything's been alright at the moment, and I'm still, you Yeah. know, happy to be aggressive with it. But, Yeah. you know, if if it drops, I'd I wouldn't be I wouldn't say I'm too concerned, but, you know, just the level of the level of concern, I'd be silly not to be. Yeah. Absolutely. No. Completely understand. Looking here, have you ever thought about taking out a loan in order to invest in things like shares or managed funds, or is it something you'd never sorta consider? I wouldn't say I'd never consider it, but I just haven't considered Mhmm. it up until this point. Yeah. That's okay. Not a problem. So you might consider in the future depending on the risks involved. Is that kind of the right track? Yeah. Yeah. Correct. Yep.","start_word":2948,"end_word":3320,"sentiment":"neutral","sentiment_score":-0.013550637494622864},{"text":"Beautiful.","start_word":3321,"end_word":3321,"sentiment":"positive","sentiment_score":0.5373220443725586},{"text":"And are you guys wanting to sort of have investment properties or any other investments outside of Super in the future or not really? Yeah. Possibly. It just depends. Like, obviously, gotta have the right conversations, but I haven't up until that up until this. Sorry. Can you hear me okay? I'm not I can. sure I if it can. dropped Yeah. out. Sorry. All good. Yeah. Look. I haven't up until this point. No. No. That's okay. That's not a problem at all. So having a look at things at the moment, you've scored there as a bit more of a growth investor, but you're in that high growth environment from what I can see. So that's where about 90% of your student is invested as growth assets, things like Australian shares, international share listed property, and commodities there. Are you still wanting to stay in that kind of high growth environment, or are you wanting to maybe look at adjusting your risk level a little bit? How do you feel about that at the moment? No. Look. At the moment, I'm I'm still happy where I am in it. Yeah. Yeah.","start_word":3322,"end_word":3514,"sentiment":"neutral","sentiment_score":0.0009789466857910156},{"text":"Beautiful.","start_word":3515,"end_word":3515,"sentiment":"positive","sentiment_score":0.5952473878860474},{"text":"Well, we'll make sure we definitely do a bit of a catch up with you. Moving forward, did you wanna see catch ups maybe every three or six months, or are you happy with just an annual review once every twelve months unless you sort of let us know of a change? What would you like to see over the Oh, next? look. We we can get this for 12 at the moment and Yep. over over the next couple of years, I'll I'll ask Yay. Absolutely. If anything happens to the market that. that you are concerned about, please do let me know, Bradley. More than happy to have a chat, talk you through what's going on, and reassess your risk level. Yeah. After the call, they will send through your annual review pack. You've had a few of these now, so you're pretty well versed with Fine. what's in Yeah. there. Just Yes. your That's ongoing fine. service agreement for the next twelve months there. Do you have any questions? Do you understand how the fee structure works, and do you have any questions around our fee structure at all? I I know how it works, but, no. No questions at the moment. No. That's okay. Not a problem. This has the ongoing service agreement in there for the next twelve months with the 1.65% noted for you. We've also got the financial service guide in there outlining everything about who I am. It has my license information for you. We'll also Yep. have a tax file consent in there as well. So we just like to make sure we're updating the consent and letting you know that we do hold your tax phone number. All of this is Yep. very sensitive information, so we wanna protect that on your behalf. Of And we'll course. also have, obviously, some updated balances and statements and things in there for you with your insurances, your current balance, and also the portfolio report I went through as well. So you're welcome to run your eyes over that and let me know if you do have any questions. Okay?","start_word":3516,"end_word":3872,"sentiment":"neutral","sentiment_score":0.11263396590948103},{"text":"All good.","start_word":3873,"end_word":3874,"sentiment":"positive","sentiment_score":0.34110376238822937},{"text":"Yep. All No good. problem. I won't take out too much more of your time.","start_word":3875,"end_word":3889,"sentiment":"neutral","sentiment_score":-0.13947702944278717},{"text":"I'll let you go. You have a lovely evening. Michelle Thank will you.","start_word":3890,"end_word":3902,"sentiment":"positive","sentiment_score":0.6447855234146118},{"text":"send those emails out to you shortly, and I will follow-up once I get those quotes done for you. Okay?","start_word":3903,"end_word":3922,"sentiment":"neutral","sentiment_score":0.32440078258514404},{"text":"All good. No worries at all. Thank you. I hope you Thank have you. a lovely evening. Thanks Yes, for your time, Bradley. sir. Cheers. See you later.","start_word":3923,"end_word":3950,"sentiment":"positive","sentiment_score":0.6292871832847595},{"text":"Bye. Bye.","start_word":3951,"end_word":3952,"sentiment":"neutral","sentiment_score":0.2199445366859436}],"average":{"sentiment":"neutral","sentiment_score":0.0942023920841859}}}}