{"metadata":{"transaction_key":"deprecated","request_id":"01a05b6b-a46e-7290-9519-5a41bdcf14c8","sha256":"6677667983d8ee8dfb441606f57908316e0a62f6e349068b3d0f790b81b5d7dc","created":"2026-09-01T05:22:58.964Z","duration":946.87195,"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":4199,"output_tokens":152},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4704,"output_tokens":4714},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4704,"output_tokens":297}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Craig. This is Dana. How are you this afternoon? I'm no. You're absolutely fine. It's not a problem at all. I was just about to text you, actually, to go, hey. Is this me? Give me a callback when you're free. It's all good. No. All good. You're honestly fine. How's your day been so far? Oh, no. Oh, no. You poor thing. All good. Craig, I had you booked in to go through your annual review there, but it also looks like you're wanting to sort of access some funds again now for the new financial year. Looks like you're moving. Is that right? Yeah. Yeah. No. Understandable. So just with the withdrawal, are you sort of needing the funds fairly quickly? Are you wanting us to process that transfer time strategy again as a transaction without advice so you can get the money fairly quickly? Yep. Beautiful. Yes. Fantastic. No problem at all. Now the balance sitting in the account there, I have also sent through the interview documents to you. Are you able to access your emails? If you can't at the moment, that's okay. Just so I can go you're right. That's the one. Yes. If you click on the button, it'll take you through so you can see each of the documents there. The first one is giving you your balance. So your balance in the account now, we're sitting at 116,227. So you're fairly well versed in how the TTR side of things works. We can transfer essentially all except 10,000 plus the tax liability. Now at the moment the moment the tax liability was sitting at or tax liability is actually a minus 1,581. So it looks like we should be able to just leave, say, 10,000 behind in the accumulation phase and transfer the rest across for you. So just to give you a bit of an idea, are you wanting to access the full 10% of that transfer balance like you normally do? Yep. Beautiful. So we got a $11,622.07. We'll leave 10,000 behind. Easy. So it's essentially about a 106,227 given current market conditions. And then 10% of that is roughly oh, shit. Sorry. My bad. My computer is having a moment. Sorry about that. It went, oh, snap. I was like, oh my gosh. What is it doing? 1 06227. So it's about 10,622 that you're able to access. Is that enough? Yep. Beautiful. So it will say 10% of the balance. And you're happy for me to process that as a transaction without advice there for you? Yep. Beautiful. Excellent. Lovely. Well, I'll get that document done for you this afternoon, send it through. It will just run through the normal side of things, the risks, noting that we're withdrawing the funds. They're no longer gonna be in super. It takes a little bit of time to open up the pension account for the transfer, but as soon as that happens, we'll make sure those funds are drawn down to your bank account nice and quickly. Are you happy you alright? I do, but not just yet. I wanted to run you through a couple of things first. I never want you to sign anything you haven't read, so I'll just take you through it. Easy. Are you happy with us using the bank account that we used last time for the last withdrawal? Yeah. Beautiful. Excellent. I'll get that sorted for you today. Not a problem at all. Thank you so much, Craig. And so when are you moving? Oh. Oh, I'm so sorry. Yep. Okay. Yes. Absolutely. No. That's not a problem at all. I'll make sure that it gets done nice and quickly Absolutely. I also had so you've got your balance there, which is great. I did notice when you go to the next page there, you've got your individual investments. So we went through advice earlier in the year, and we had sort of made some changes to the investments within, which is great. When we kind of look at how everything is performing over the last twelve months with the investment switches and even with the withdrawal that you made earlier this year, you still had a 9.31% return. So all in all, that shows the growth and the earnings from within that super fund is over $12,454 as a dollar figure. So that is really good. It is showing that the growth at the portfolios are still working, and we did remove that funnel out of there earlier this year and replaced that. So we'll kinda just keep watching that moving forward. I just also wanted to check I'm wanting to make sure I do a bit of a catch up with everyone in the next sort of six months. Did you want me to do a catch up with you maybe early next year prior to a new review to see how things are going and tracking? Beautiful. Excellent. So I can get my team to give you a call maybe February, and we book that in for either February or March depending on your availability. How does that sound? Yep. Easy. Fantastic. In that email there, the next couple of documents along are just the regular ones we send, the Vanguard index chart, which shows you how being in the market can sort of provide greater growth long term. And then we've also got the financial services guide. You've had a few of those now that just outlines everything about who we are, what we do, and how we do it. It's got a lovely glossy picture of me in there for you as well. Can't. Yeah. Press on the press on the sign document, and it should take you through. Yep. Is it there's a button that goes next or there's a, like, a you can scroll through them? Yeah. Yes. Yes. That's the last that's the last one attached. Is it letting you scroll up and down through it? Normally, there's, like, a a button you can press to go to each document, or it lets you scroll up and down through them. Mhmm. Yep. That's the financial services guide. No. You're fine. You're fine. The last one attached is that have 24 consent forms. So that is the ongoing fee agreement for us. It does sort of note the expected fee for this year is about $2,013, but that's obviously based on current balance. However, with withdrawing a bit of money added, obviously, means that the fee should be lower. Moving forward, obviously, you pay 1.65% per annum for our ongoing service fee. It is deducted in smaller monthly increments there. But moving forward, we're gonna have more of a tiered structure. So once your super balance hits over 200,000, then you drop down to the next tier, and it goes from 1.65% to 1.375%. So, essentially, as your balance increases, you'll drop down each tier. And as of next year, we won't have the like, the fee itself will be a set dollar figure fee. So we'll work out the fee based on the balance and have it set as a set dollar figure fee to give you a little bit more consistency and a bit of, you know, understanding of exactly what you'll pay for our services for the year. But because you're an ongoing client, there's no additional charges for us going to and doing the TWA and things like that for you as well. Okay? Easy. Do you any questions for any of those documents? I know you've seen a few of them now, so you're probably pretty blessed. It is. It is. Yeah. Beautiful. Well, so once you're happy with that, I'll get you to sign and return those back there for me. I'll get that transaction with that advice done up nice and quick this afternoon to withdraw that 10%. And as soon as that is signed and returned back, we can have that processed for you. So just sort of double checking any additional any other details that might have kinda changed within the last sort of couple of months at all. Income, everything's still fairly well the same. You haven't got a pay rise at all? Yeah. Okay. Yeah. No. That's okay. Yep. Beautiful. Excellent. Thank you so much. I've got that back. Appreciate that. Thank you, Craig. Easy done. Beautiful. It's all going well. Yeah. Absolutely. No. That's absolutely fine. Look. Honestly, boring isn't always bad. I kind of like boring every now and then. As we get older, it gets nicer. All good. That's okay. No problem at all. The last thing I just wanted to sort of clarify and go through is just that risk profiling. So you are in kinda that growth environment at the moment, which is at 80 percent in those growth assets. Did you wanna kind of look at altering your risk profile? Are you still sort of happy with where things are at, taking a bit more risk in the market? Or Yeah. Yeah. Yeah. Yep. Yep. So staying in the same risk profiling. No problem at all. We can definitely sort of look at that down the track as well. And sort of looking at we sort of originally also had that you're wanting to retire around about age 67. Is that still sort of your goal moving forward? Yep. Yep. Yes. Okay. Yeah. Yes. Yes. Yeah. Okay. No worries to look at yep. Yes. Yes. So it is more salary sacrifices like a pretax deduction. So your employer, the same as if they do your normal employer contributions, is deducted out of your income, and then your income tax is worked on that. It does also have the effect of lowering, like, your take home pay as well, but we can always look at what you're comfortable with. Did you want us to maybe, when we touch base and do a catch up in February and March, we reassess maybe the contributions then and see how things are tracking for you and maybe look at that then? Yep. Beautiful. Beautiful. And much yeah. Abs absolutely. And I do apologize. I made a mistake before. With the risk profiling, you're in that sort of balanced area, so you are very much in that lower risk kind of environment. It's around about sort of 60% in those growth investments, so we're still holding around about 40% in defensive lower risk environment sort of area. And it suits someone who's got about three year time horizon, so it still suits your environment. It is still getting really good income. And when I kind of look at how the investments have sort of provided over the last couple of even the last few years, since you're coming onboard in 2023, you've made an overall over the three years 30.68% as a return. So that's essentially worked out to be a bit bit over 10% per year, so it's pretty good. Yeah. Beautiful. Absolutely. Absolutely. Absolutely. That's what you have me here for. No. It's perfectly fine. Is there any other goals that you're sort of looking to achieve in the next couple of years that you kinda wanted me to note down as well, or is it just getting this money out moving and then we'll focus on other things? Yep. Yeah. Yes. Yeah. No. That's absolutely fine. Not a problem. We'll get this withdrawal sorted for you. And then when we catch up in March, we'll really talk about what your longer longevity goals look like, what your retirement's supposed to look like, and look at what we can do to build that super backup for you and try to keep it working. So when you do retire, you can draw income and have it last as long as possible. And when you do get to age 67, we'll also talk about, you know, Stantal Inc eligibility and see what we can do there and try to, you know, take a little bit of pressure off your super in those years as well, do a little bit from both Stentalink and super to kinda give you guys a little bit of income. Yeah. Beautiful. Yeah. That's okay. The only thing I just wanna double check, beneficiary wise, I have Peter down here as your beneficiary. Still happy with that? He can still have it all? No. That's oh, that's all good. And I've still got it down here. You do have a will power of attorney set up. Oh, that's still appropriate for your circumstances. Yep. Excellent. Beautiful. Fantastic. Well, I'm glad everything's going well. I'll get that transaction without advice done up this afternoon. My team will email it through to you so we can get it signed and sent back, and then I'll make sure they action it nice and quickly for you. Okay? That's okay. Thank you for calling me back. I hope you too. Thank you so much for taking my call, Craig. Talk to you soon. See you later. 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Craig. This is Dana. How are you this afternoon? I'm no. You're absolutely fine.\n\nIt's not a problem at all. I was just about to text you, actually, to go, hey. Is this me? Give me a callback when you're free. It's all good.\n\nNo. All good. You're honestly fine. How's your day been so far? Oh, no.\n\nOh, no. You poor thing. All good. Craig, I had you booked in to go through your annual review there, but it also looks like you're wanting to sort of access some funds again now for the new financial year. Looks like you're moving.\n\nIs that right? Yeah. Yeah. No. Understandable.\n\nSo just with the withdrawal, are you sort of needing the funds fairly quickly? Are you wanting us to process that transfer time strategy again as a transaction without advice so you can get the money fairly quickly? Yep. Beautiful. Yes.\n\nFantastic. No problem at all. Now the balance sitting in the account there, I have also sent through the interview documents to you. Are you able to access your emails? If you can't at the moment, that's okay.\n\nJust so I can go you're right. That's the one. Yes. If you click on the button, it'll take you through so you can see each of the documents there. The first one is giving you your balance.\n\nSo your balance in the account now, we're sitting at 116,227. So you're fairly well versed in how the TTR side of things works. We can transfer essentially all except 10,000 plus the tax liability. Now at the moment the moment the tax liability was sitting at or tax liability is actually a minus 1,581. So it looks like we should be able to just leave, say, 10,000 behind in the accumulation phase and transfer the rest across for you.\n\nSo just to give you a bit of an idea, are you wanting to access the full 10% of that transfer balance like you normally do? Yep. Beautiful. So we got a $11,622.07. We'll leave 10,000 behind.\n\nEasy. So it's essentially about a 106,227 given current market conditions. And then 10% of that is roughly oh, shit. Sorry. My bad.\n\nMy computer is having a moment. Sorry about that. It went, oh, snap. I was like, oh my gosh. What is it doing?\n\n1 06227. So it's about 10,622 that you're able to access. Is that enough? Yep. Beautiful.\n\nSo it will say 10% of the balance. And you're happy for me to process that as a transaction without advice there for you? Yep. Beautiful. Excellent.\n\nLovely. Well, I'll get that document done for you this afternoon, send it through. It will just run through the normal side of things, the risks, noting that we're withdrawing the funds. They're no longer gonna be in super. It takes a little bit of time to open up the pension account for the transfer, but as soon as that happens, we'll make sure those funds are drawn down to your bank account nice and quickly.\n\nAre you happy you alright? I do, but not just yet. I wanted to run you through a couple of things first. I never want you to sign anything you haven't read, so I'll just take you through it. Easy.\n\nAre you happy with us using the bank account that we used last time for the last withdrawal? Yeah. Beautiful. Excellent. I'll get that sorted for you today.\n\nNot a problem at all. Thank you so much, Craig. And so when are you moving? Oh. Oh, I'm so sorry.\n\nYep. Okay. Yes. Absolutely. No.\n\nThat's not a problem at all. I'll make sure that it gets done nice and quickly Absolutely. I also had so you've got your balance there, which is great. I did notice when you go to the next page there, you've got your individual investments. So we went through advice earlier in the year, and we had sort of made some changes to the investments within, which is great.\n\nWhen we kind of look at how everything is performing over the last twelve months with the investment switches and even with the withdrawal that you made earlier this year, you still had a 9.31% return. So all in all, that shows the growth and the earnings from within that super fund is over $12,454 as a dollar figure. So that is really good. It is showing that the growth at the portfolios are still working, and we did remove that funnel out of there earlier this year and replaced that. So we'll kinda just keep watching that moving forward.\n\nI just also wanted to check I'm wanting to make sure I do a bit of a catch up with everyone in the next sort of six months. Did you want me to do a catch up with you maybe early next year prior to a new review to see how things are going and tracking? Beautiful. Excellent. So I can get my team to give you a call maybe February, and we book that in for either February or March depending on your availability.\n\nHow does that sound? Yep. Easy. Fantastic. In that email there, the next couple of documents along are just the regular ones we send, the Vanguard index chart, which shows you how being in the market can sort of provide greater growth long term.\n\nAnd then we've also got the financial services guide. You've had a few of those now that just outlines everything about who we are, what we do, and how we do it. It's got a lovely glossy picture of me in there for you as well. Can't. Yeah.\n\nPress on the press on the sign document, and it should take you through. Yep. Is it there's a button that goes next or there's a, like, a you can scroll through them? Yeah. Yes.\n\nYes. That's the last that's the last one attached. Is it letting you scroll up and down through it? Normally, there's, like, a a button you can press to go to each document, or it lets you scroll up and down through them. Mhmm.\n\nYep. That's the financial services guide. No. You're fine. You're fine.\n\nThe last one attached is that have 24 consent forms. So that is the ongoing fee agreement for us. It does sort of note the expected fee for this year is about $2,013, but that's obviously based on current balance. However, with withdrawing a bit of money added, obviously, means that the fee should be lower. Moving forward, obviously, you pay 1.65% per annum for our ongoing service fee.\n\nIt is deducted in smaller monthly increments there. But moving forward, we're gonna have more of a tiered structure. So once your super balance hits over 200,000, then you drop down to the next tier, and it goes from 1.65% to 1.375%. So, essentially, as your balance increases, you'll drop down each tier. And as of next year, we won't have the like, the fee itself will be a set dollar figure fee.\n\nSo we'll work out the fee based on the balance and have it set as a set dollar figure fee to give you a little bit more consistency and a bit of, you know, understanding of exactly what you'll pay for our services for the year. But because you're an ongoing client, there's no additional charges for us going to and doing the TWA and things like that for you as well. Okay? Easy. Do you any questions for any of those documents?\n\nI know you've seen a few of them now, so you're probably pretty blessed. It is. It is. Yeah. Beautiful.\n\nWell, so once you're happy with that, I'll get you to sign and return those back there for me. I'll get that transaction with that advice done up nice and quick this afternoon to withdraw that 10%. And as soon as that is signed and returned back, we can have that processed for you. So just sort of double checking any additional any other details that might have kinda changed within the last sort of couple of months at all. Income, everything's still fairly well the same.\n\nYou haven't got a pay rise at all? Yeah. Okay. Yeah. No.\n\nThat's okay. Yep. Beautiful. Excellent. Thank you so much.\n\nI've got that back. Appreciate that. Thank you, Craig. Easy done. Beautiful.\n\nIt's all going well. Yeah. Absolutely. No. That's absolutely fine.\n\nLook. Honestly, boring isn't always bad. I kind of like boring every now and then. As we get older, it gets nicer. All good.\n\nThat's okay. No problem at all. The last thing I just wanted to sort of clarify and go through is just that risk profiling. So you are in kinda that growth environment at the moment, which is at 80 percent in those growth assets. Did you wanna kind of look at altering your risk profile?\n\nAre you still sort of happy with where things are at, taking a bit more risk in the market? Or Yeah. Yeah. Yeah. Yep.\n\nYep. So staying in the same risk profiling. No problem at all. We can definitely sort of look at that down the track as well. And sort of looking at we sort of originally also had that you're wanting to retire around about age 67.\n\nIs that still sort of your goal moving forward? Yep. Yep. Yes. Okay.\n\nYeah. Yes. Yes. Yeah. Okay.\n\nNo worries to look at yep. Yes. Yes. So it is more salary sacrifices like a pretax deduction. So your employer, the same as if they do your normal employer contributions, is deducted out of your income, and then your income tax is worked on that.\n\nIt does also have the effect of lowering, like, your take home pay as well, but we can always look at what you're comfortable with. Did you want us to maybe, when we touch base and do a catch up in February and March, we reassess maybe the contributions then and see how things are tracking for you and maybe look at that then? Yep. Beautiful. Beautiful.\n\nAnd much yeah. Abs absolutely. And I do apologize. I made a mistake before. With the risk profiling, you're in that sort of balanced area, so you are very much in that lower risk kind of environment.\n\nIt's around about sort of 60% in those growth investments, so we're still holding around about 40% in defensive lower risk environment sort of area. And it suits someone who's got about three year time horizon, so it still suits your environment. It is still getting really good income. And when I kind of look at how the investments have sort of provided over the last couple of even the last few years, since you're coming onboard in 2023, you've made an overall over the three years 30.68% as a return. So that's essentially worked out to be a bit bit over 10% per year, so it's pretty good.\n\nYeah. Beautiful. Absolutely. Absolutely. Absolutely.\n\nThat's what you have me here for. No. It's perfectly fine. Is there any other goals that you're sort of looking to achieve in the next couple of years that you kinda wanted me to note down as well, or is it just getting this money out moving and then we'll focus on other things? Yep.\n\nYeah. Yes. Yeah. No. That's absolutely fine.\n\nNot a problem. We'll get this withdrawal sorted for you. And then when we catch up in March, we'll really talk about what your longer longevity goals look like, what your retirement's supposed to look like, and look at what we can do to build that super backup for you and try to keep it working. So when you do retire, you can draw income and have it last as long as possible. And when you do get to age 67, we'll also talk about, you know, Stantal Inc eligibility and see what we can do there and try to, you know, take a little bit of pressure off your super in those years as well, do a little bit from both Stentalink and super to kinda give you guys a little bit of income.\n\nYeah. Beautiful. Yeah. That's okay. The only thing I just wanna double check, beneficiary wise, I have Peter down here as your beneficiary.\n\nStill happy with that? He can still have it all? No. That's oh, that's all good. And I've still got it down here.\n\nYou do have a will power of attorney set up. Oh, that's still appropriate for your circumstances. Yep. Excellent. Beautiful.\n\nFantastic. Well, I'm glad everything's going well. I'll get that transaction without advice done up this afternoon. My team will email it through to you so we can get it signed and sent back, and then I'll make sure they action it nice and quickly for you. Okay?\n\nThat's okay. Thank you for calling me back. I hope you too. Thank you so much for taking my call, Craig. Talk to you soon.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Craig.","start":1.92,"end":2.56,"sentiment":"neutral","sentiment_score":0.12232130020856857},{"text":"This is Dana.","start":2.56,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.14644725124041238},{"text":"How are you this afternoon?","start":3.1999998,"end":4.42,"sentiment":"neutral","sentiment_score":0.26183159053325655},{"text":"I'm no.","start":6.64,"end":7.7599998,"sentiment":"neutral","sentiment_score":0.03583941422402859},{"text":"You're absolutely fine.","start":7.7599998,"end":9.12,"sentiment":"positive","sentiment_score":0.3810565372308095}],"sentiment":"neutral","sentiment_score":0.21386604979634286,"num_words":15,"start":1.92,"end":9.12},{"sentences":[{"text":"It's not a problem at all.","start":9.12,"end":10.16,"sentiment":"positive","sentiment_score":0.46023879448572796},{"text":"I was just about to text you, actually, to go, hey.","start":10.16,"end":12.24,"sentiment":"neutral","sentiment_score":0.23442932963371277},{"text":"Is this me?","start":12.24,"end":12.88,"sentiment":"neutral","sentiment_score":0.10145168999830882},{"text":"Give me a callback when you're free.","start":12.88,"end":14.32,"sentiment":"neutral","sentiment_score":0.19934861361980438},{"text":"It's all good.","start":14.32,"end":15.38,"sentiment":"positive","sentiment_score":0.46528175473213196}],"sentiment":"neutral","sentiment_score":0.281193200747172,"num_words":30,"start":9.12,"end":15.38},{"sentences":[{"text":"No.","start":17.605,"end":17.925,"sentiment":"neutral","sentiment_score":-0.03096923790872097},{"text":"All good.","start":17.925,"end":18.585001,"sentiment":"neutral","sentiment_score":0.08087927289307117},{"text":"You're honestly fine.","start":20.965,"end":22.245,"sentiment":"neutral","sentiment_score":0.27173618972301483},{"text":"How's your day been so far?","start":22.245,"end":23.945,"sentiment":"neutral","sentiment_score":0.21055537462234497},{"text":"Oh, no.","start":30.005001,"end":30.825,"sentiment":"neutral","sentiment_score":-0.16623607277870178}],"sentiment":"neutral","sentiment_score":0.13406128423022373,"num_words":14,"start":17.605,"end":30.825},{"sentences":[{"text":"Oh, no.","start":32.72,"end":33.440002,"sentiment":"neutral","sentiment_score":-0.139604814350605},{"text":"You poor thing.","start":33.440002,"end":34.58,"sentiment":"negative","sentiment_score":-0.3380760947863261},{"text":"All good.","start":34.96,"end":35.62,"sentiment":"neutral","sentiment_score":0.021447932347655296},{"text":"Craig, I had you booked in to go through your annual review there, but it also looks like you're wanting to sort of access some funds again now for the new financial year.","start":36.08,"end":42.88,"sentiment":"neutral","sentiment_score":0.030486096853785442},{"text":"Looks like you're moving.","start":42.88,"end":43.84,"sentiment":"neutral","sentiment_score":0.03940768912434578}],"sentiment":"neutral","sentiment_score":-0.0019743203566494312,"num_words":44,"start":32.72,"end":43.84},{"sentences":[{"text":"Is that right?","start":43.84,"end":44.74,"sentiment":"neutral","sentiment_score":0.05723468090097109},{"text":"Yeah.","start":55.405,"end":55.905,"sentiment":"neutral","sentiment_score":-0.01564912497997284},{"text":"Yeah.","start":60.125,"end":60.605,"sentiment":"neutral","sentiment_score":-0.028498556464910507},{"text":"No.","start":60.605,"end":61.005,"sentiment":"neutral","sentiment_score":-0.05330595374107361},{"text":"Understandable.","start":61.005,"end":61.505,"sentiment":"neutral","sentiment_score":-0.02510860376060009}],"sentiment":"neutral","sentiment_score":0.0070202576794794625,"num_words":7,"start":43.84,"end":61.505},{"sentences":[{"text":"So just with the withdrawal, are you sort of needing the funds fairly quickly?","start":62.87,"end":66.95,"sentiment":"neutral","sentiment_score":-0.004341633192130497},{"text":"Are you wanting us to process that transfer time strategy again as a transaction without advice so you can get the money fairly quickly?","start":66.95,"end":74.409996,"sentiment":"neutral","sentiment_score":0.030748110186929505},{"text":"Yep.","start":76.229996,"end":76.71,"sentiment":"neutral","sentiment_score":0.10896575450897215},{"text":"Beautiful.","start":76.71,"end":77.21,"sentiment":"neutral","sentiment_score":0.31818854808807373},{"text":"Yes.","start":78.195,"end":78.675,"sentiment":"neutral","sentiment_score":0.13391660153865814}],"sentiment":"neutral","sentiment_score":0.03020104107151671,"num_words":41,"start":62.87,"end":78.675},{"sentences":[{"text":"Fantastic.","start":78.675,"end":79.175,"sentiment":"positive","sentiment_score":0.4226800203323364},{"text":"No problem at all.","start":79.395004,"end":80.355,"sentiment":"neutral","sentiment_score":0.25562553852796555},{"text":"Now the balance sitting in the account there, I have also sent through the interview documents to you.","start":80.355,"end":85.155,"sentiment":"neutral","sentiment_score":0.13640008452865812},{"text":"Are you able to access your emails?","start":85.155,"end":86.675,"sentiment":"neutral","sentiment_score":0.05238565855792591},{"text":"If you can't at the moment, that's okay.","start":86.675,"end":88.535,"sentiment":"neutral","sentiment_score":0.01787964242976159}],"sentiment":"neutral","sentiment_score":0.11605580119220049,"num_words":38,"start":78.675,"end":88.535},{"sentences":[{"text":"Just so I can go you're right.","start":88.995,"end":92.455,"sentiment":"neutral","sentiment_score":0.043565817177295685},{"text":"That's the one.","start":94.46,"end":95.5,"sentiment":"neutral","sentiment_score":0.14556204775969186},{"text":"Yes.","start":95.5,"end":95.82,"sentiment":"neutral","sentiment_score":0.141318216919899},{"text":"If you click on the button, it'll take you through so you can see each of the documents there.","start":95.82,"end":100.0,"sentiment":"neutral","sentiment_score":0.10353115122569234},{"text":"The first one is giving you your balance.","start":100.21999,"end":102.21999,"sentiment":"neutral","sentiment_score":0.05352044431492686}],"sentiment":"neutral","sentiment_score":0.08626896074335826,"num_words":38,"start":88.995,"end":102.21999},{"sentences":[{"text":"So your balance in the account now, we're sitting at 116,227.","start":102.21999,"end":107.119995,"sentiment":"neutral","sentiment_score":0.061472645876082505},{"text":"So you're fairly well versed in how the TTR side of things works.","start":107.635,"end":110.915,"sentiment":"neutral","sentiment_score":0.1303743622623957},{"text":"We can transfer essentially all except 10,000 plus the tax liability.","start":110.915,"end":115.895004,"sentiment":"neutral","sentiment_score":0.05402451685883782},{"text":"Now at the moment the moment the tax liability was sitting at or tax liability is actually a minus 1,581.","start":116.035,"end":125.89,"sentiment":"neutral","sentiment_score":0.016644174326211215},{"text":"So it looks like we should be able to just leave, say, 10,000 behind in the accumulation phase and transfer the rest across for you.","start":125.89,"end":134.95,"sentiment":"neutral","sentiment_score":0.08154322281479835}],"sentiment":"neutral","sentiment_score":0.06670999445486814,"num_words":80,"start":102.21999,"end":134.95},{"sentences":[{"text":"So just to give you a bit of an idea, are you wanting to access the full 10% of that transfer balance like you normally do?","start":136.375,"end":143.515,"sentiment":"neutral","sentiment_score":0.03663558598894339},{"text":"Yep.","start":143.735,"end":144.235,"sentiment":"neutral","sentiment_score":0.15242356061935425},{"text":"Beautiful.","start":145.175,"end":145.675,"sentiment":"positive","sentiment_score":0.5297229290008545},{"text":"So we got a $11,622.07.","start":146.135,"end":148.855,"sentiment":"neutral","sentiment_score":0.1761704131960869},{"text":"We'll leave 10,000 behind.","start":148.855,"end":150.635,"sentiment":"neutral","sentiment_score":0.08534950204193592}],"sentiment":"neutral","sentiment_score":0.07721410268867338,"num_words":37,"start":136.375,"end":150.635},{"sentences":[{"text":"Easy.","start":151.015,"end":151.33499,"sentiment":"neutral","sentiment_score":0.15639618039131165},{"text":"So it's essentially about a 106,227 given current market conditions.","start":151.33499,"end":158.15,"sentiment":"neutral","sentiment_score":0.022951656207442283},{"text":"And then 10% of that is roughly oh, shit.","start":159.89,"end":164.69,"sentiment":"neutral","sentiment_score":-0.03946703900065687},{"text":"Sorry.","start":164.69,"end":165.17,"sentiment":"neutral","sentiment_score":-0.1479390561580658},{"text":"My bad.","start":165.17,"end":165.91,"sentiment":"neutral","sentiment_score":-0.23321954905986786}],"sentiment":"neutral","sentiment_score":-0.025376902731216473,"num_words":23,"start":151.015,"end":165.91},{"sentences":[{"text":"My computer is having a moment.","start":167.54501,"end":169.225,"sentiment":"neutral","sentiment_score":-0.1964466025431951},{"text":"Sorry about that.","start":169.225,"end":169.785,"sentiment":"neutral","sentiment_score":-0.1892322599887848},{"text":"It went, oh, snap.","start":169.785,"end":170.74501,"sentiment":"neutral","sentiment_score":-0.08658210374414921},{"text":"I was like, oh my gosh.","start":170.74501,"end":171.785,"sentiment":"neutral","sentiment_score":-0.07548812342186768},{"text":"What is it doing?","start":171.785,"end":172.845,"sentiment":"neutral","sentiment_score":-0.02272242121398449}],"sentiment":"neutral","sentiment_score":-0.11463144502562025,"num_words":23,"start":167.54501,"end":172.845},{"sentences":[{"text":"1 06227.","start":174.82501,"end":176.365,"sentiment":"neutral","sentiment_score":0.003076105611398816},{"text":"So it's about 10,622 that you're able to access.","start":176.585,"end":180.345,"sentiment":"neutral","sentiment_score":0.028795054596331384},{"text":"Is that enough?","start":180.345,"end":181.29,"sentiment":"neutral","sentiment_score":0.039666389425595604},{"text":"Yep.","start":183.04999,"end":183.45,"sentiment":"neutral","sentiment_score":0.2017165720462799},{"text":"Beautiful.","start":183.45,"end":183.95,"sentiment":"positive","sentiment_score":0.4537200927734375}],"sentiment":"neutral","sentiment_score":0.06498397098039277,"num_words":16,"start":174.82501,"end":183.95},{"sentences":[{"text":"So it will say 10% of the balance.","start":184.25,"end":186.09,"sentiment":"neutral","sentiment_score":0.3209153525531292},{"text":"And you're happy for me to process that as a transaction without advice there for you?","start":186.09,"end":190.59,"sentiment":"positive","sentiment_score":0.4065129682421684},{"text":"Yep.","start":191.76999,"end":192.26999,"sentiment":"neutral","sentiment_score":0.2517102360725403},{"text":"Beautiful.","start":192.40999,"end":192.90999,"sentiment":"positive","sentiment_score":0.6177816390991211},{"text":"Excellent.","start":192.96999,"end":193.45,"sentiment":"positive","sentiment_score":0.6643822193145752}],"sentiment":"positive","sentiment_score":0.3927927558068876,"num_words":27,"start":184.25,"end":193.45},{"sentences":[{"text":"Lovely.","start":193.45,"end":193.76999,"sentiment":"positive","sentiment_score":0.6176897287368774},{"text":"Well, I'll get that document done for you this afternoon, send it through.","start":193.76999,"end":196.98999,"sentiment":"positive","sentiment_score":0.3451886887733753},{"text":"It will just run through the normal side of things, the risks, noting that we're withdrawing the funds.","start":197.24501,"end":201.005,"sentiment":"neutral","sentiment_score":0.02104008583895241},{"text":"They're no longer gonna be in super.","start":201.005,"end":203.02501,"sentiment":"neutral","sentiment_score":-0.025634980095284327},{"text":"It takes a little bit of time to open up the pension account for the transfer, but as soon as that happens, we'll make sure those funds are drawn down to your bank account nice and quickly.","start":203.405,"end":211.345,"sentiment":"neutral","sentiment_score":0.08950365213928996}],"sentiment":"neutral","sentiment_score":0.11336913811024524,"num_words":76,"start":193.45,"end":211.345},{"sentences":[{"text":"Are you happy you alright?","start":212.46,"end":214.8,"sentiment":"neutral","sentiment_score":0.06220256239175796},{"text":"I do, but not just yet.","start":218.22,"end":219.5,"sentiment":"neutral","sentiment_score":-0.03132610348984599},{"text":"I wanted to run you through a couple of things first.","start":219.5,"end":221.82,"sentiment":"neutral","sentiment_score":-0.010470650920813734},{"text":"I never want you to sign anything you haven't read, so I'll just take you through it.","start":221.82,"end":225.84001,"sentiment":"neutral","sentiment_score":-0.07677512977491407},{"text":"Easy.","start":225.90001,"end":226.40001,"sentiment":"neutral","sentiment_score":0.06134147569537163}],"sentiment":"neutral","sentiment_score":-0.030898917489685117,"num_words":40,"start":212.46,"end":226.40001},{"sentences":[{"text":"Are you happy with us using the bank account that we used last time for the last withdrawal?","start":227.155,"end":231.495,"sentiment":"neutral","sentiment_score":0.06291203097336823},{"text":"Yeah.","start":233.235,"end":233.635,"sentiment":"neutral","sentiment_score":0.24455973505973816},{"text":"Beautiful.","start":233.635,"end":234.115,"sentiment":"positive","sentiment_score":0.5382630228996277},{"text":"Excellent.","start":234.115,"end":234.595,"sentiment":"positive","sentiment_score":0.6268690824508667},{"text":"I'll get that sorted for you today.","start":234.595,"end":236.035,"sentiment":"positive","sentiment_score":0.5235894109521594}],"sentiment":"neutral","sentiment_score":0.2216869383784277,"num_words":28,"start":227.155,"end":236.035},{"sentences":[{"text":"Not a problem at all.","start":236.035,"end":236.915,"sentiment":"neutral","sentiment_score":0.205627378821373},{"text":"Thank you so much, Craig.","start":236.915,"end":238.035,"sentiment":"positive","sentiment_score":0.432001793384552},{"text":"And so when are you moving?","start":238.035,"end":239.495,"sentiment":"neutral","sentiment_score":0.03592159909506639},{"text":"Oh.","start":248.25,"end":248.75,"sentiment":"neutral","sentiment_score":-0.10879189521074296},{"text":"Oh, I'm so sorry.","start":248.81,"end":250.43,"sentiment":"neutral","sentiment_score":-0.16578937321901321}],"sentiment":"neutral","sentiment_score":0.1253202889292013,"num_words":21,"start":236.035,"end":250.43},{"sentences":[{"text":"Yep.","start":260.745,"end":261.245,"sentiment":"neutral","sentiment_score":-0.029024308547377583},{"text":"Okay.","start":263.225,"end":263.725,"sentiment":"neutral","sentiment_score":-0.02604804001748562},{"text":"Yes.","start":280.06,"end":280.54,"sentiment":"neutral","sentiment_score":0.11437720060348512},{"text":"Absolutely.","start":280.54,"end":281.04,"sentiment":"neutral","sentiment_score":0.1959698051214218},{"text":"No.","start":281.42,"end":281.58002,"sentiment":"neutral","sentiment_score":0.1912672221660614}],"sentiment":"neutral","sentiment_score":0.08930837586522103,"num_words":5,"start":260.745,"end":281.58002},{"sentences":[{"text":"That's not a problem at all.","start":281.58002,"end":282.7,"sentiment":"neutral","sentiment_score":0.3168809662262599},{"text":"I'll make sure that it gets done nice and quickly Absolutely.","start":282.7,"end":285.73502,"sentiment":"positive","sentiment_score":0.42441059242595325},{"text":"I also had so you've got your balance there, which is great.","start":286.99503,"end":290.215,"sentiment":"positive","sentiment_score":0.41459714621305466},{"text":"I did notice when you go to the next page there, you've got your individual investments.","start":290.515,"end":294.595,"sentiment":"neutral","sentiment_score":0.18441482912749052},{"text":"So we went through advice earlier in the year, and we had sort of made some changes to the investments within, which is great.","start":294.595,"end":300.88,"sentiment":"neutral","sentiment_score":0.23160108248703182}],"sentiment":"neutral","sentiment_score":0.2906381349902654,"num_words":69,"start":281.58002,"end":300.88},{"sentences":[{"text":"When we kind of look at how everything is performing over the last twelve months with the investment switches and even with the withdrawal that you made earlier this year, you still had a 9.31% return.","start":300.94,"end":311.74,"sentiment":"neutral","sentiment_score":0.28429249053200084},{"text":"So all in all, that shows the growth and the earnings from within that super fund is over $12,454 as a dollar figure.","start":311.74,"end":320.20502,"sentiment":"neutral","sentiment_score":0.3007841142623321},{"text":"So that is really good.","start":320.20502,"end":321.805,"sentiment":"positive","sentiment_score":0.6223667800426483},{"text":"It is showing that the growth at the portfolios are still working, and we did remove that funnel out of there earlier this year and replaced that.","start":321.805,"end":329.13,"sentiment":"positive","sentiment_score":0.4328485683158592},{"text":"So we'll kinda just keep watching that moving forward.","start":329.13,"end":331.87,"sentiment":"positive","sentiment_score":0.3916347490416633}],"sentiment":"positive","sentiment_score":0.35476022273302077,"num_words":100,"start":300.94,"end":331.87},{"sentences":[{"text":"I just also wanted to check I'm wanting to make sure I do a bit of a catch up with everyone in the next sort of six months.","start":332.49002,"end":339.565,"sentiment":"neutral","sentiment_score":0.08140279445797205},{"text":"Did you want me to do a catch up with you maybe early next year prior to a new review to see how things are going and tracking?","start":339.565,"end":345.585,"sentiment":"neutral","sentiment_score":0.0473939288141472},{"text":"Beautiful.","start":347.805,"end":348.305,"sentiment":"positive","sentiment_score":0.6334277391433716},{"text":"Excellent.","start":348.605,"end":349.105,"sentiment":"positive","sentiment_score":0.5357919931411743},{"text":"So I can get my team to give you a call maybe February, and we book that in for either February or March depending on your availability.","start":349.325,"end":354.93,"sentiment":"neutral","sentiment_score":0.18441006237709964}],"sentiment":"neutral","sentiment_score":0.11475999609512441,"num_words":85,"start":332.49002,"end":354.93},{"sentences":[{"text":"How does that sound?","start":355.06998,"end":356.05,"sentiment":"neutral","sentiment_score":0.07898768223822117},{"text":"Yep.","start":357.87,"end":358.27,"sentiment":"neutral","sentiment_score":0.13193058967590332},{"text":"Easy.","start":358.27,"end":358.77,"sentiment":"neutral","sentiment_score":0.3150138258934021},{"text":"Fantastic.","start":358.83,"end":359.33,"sentiment":"positive","sentiment_score":0.4673774242401123},{"text":"In that email there, the next couple of documents along are just the regular ones we send, the Vanguard index chart, which shows you how being in the market can sort of provide greater growth long term.","start":360.50998,"end":371.405,"sentiment":"neutral","sentiment_score":0.15711575021614899}],"sentiment":"neutral","sentiment_score":0.1600808028809049,"num_words":44,"start":355.06998,"end":371.405},{"sentences":[{"text":"And then we've also got the financial services guide.","start":371.945,"end":374.345,"sentiment":"neutral","sentiment_score":0.07956574277745353},{"text":"You've had a few of those now that just outlines everything about who we are, what we do, and how we do it.","start":374.345,"end":379.565,"sentiment":"neutral","sentiment_score":0.0871188109335692},{"text":"It's got a lovely glossy picture of me in there for you as 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them?","start":398.20502,"end":403.085,"sentiment":"neutral","sentiment_score":0.021256835406853095},{"text":"Yeah.","start":403.085,"end":403.585,"sentiment":"neutral","sentiment_score":0.03960379213094711},{"text":"Yes.","start":408.365,"end":408.865,"sentiment":"neutral","sentiment_score":-0.026927735656499863}],"sentiment":"neutral","sentiment_score":0.013156788237392903,"num_words":35,"start":389.99,"end":408.865},{"sentences":[{"text":"Yes.","start":409.43,"end":409.83,"sentiment":"neutral","sentiment_score":0.02327139303088188},{"text":"That's the last that's the last one attached.","start":409.83,"end":412.71,"sentiment":"neutral","sentiment_score":0.027163605205714703},{"text":"Is it letting you scroll up and down through it?","start":412.71,"end":414.78998,"sentiment":"neutral","sentiment_score":0.04758930765092373},{"text":"Normally, there's, like, a a button you can press to go to each document, or it lets you scroll up and down through them.","start":414.78998,"end":420.09,"sentiment":"neutral","sentiment_score":0.01277919482284536},{"text":"Mhmm.","start":425.765,"end":426.265,"sentiment":"neutral","sentiment_score":-0.020521340891718864}],"sentiment":"neutral","sentiment_score":0.022787560137327422,"num_words":44,"start":409.43,"end":426.265},{"sentences":[{"text":"Yep.","start":428.645,"end":429.045,"sentiment":"neutral","sentiment_score":-0.022680265828967094},{"text":"That's the financial services guide.","start":429.045,"end":431.065,"sentiment":"neutral","sentiment_score":-0.10565843284130097},{"text":"No.","start":431.125,"end":431.445,"sentiment":"neutral","sentiment_score":-0.06805978715419769},{"text":"You're fine.","start":431.445,"end":432.265,"sentiment":"neutral","sentiment_score":0.07508748862892389},{"text":"You're fine.","start":433.205,"end":434.105,"sentiment":"neutral","sentiment_score":0.11495818942785262}],"sentiment":"neutral","sentiment_score":-0.02172189646146514,"num_words":11,"start":428.645,"end":434.105},{"sentences":[{"text":"The last one attached is that have 24 consent forms.","start":434.88,"end":437.76,"sentiment":"neutral","sentiment_score":0.06280064545571803},{"text":"So that is the ongoing fee agreement for us.","start":437.76,"end":440.98,"sentiment":"neutral","sentiment_score":0.10424753857983483},{"text":"It does sort of note the expected fee for this year is about $2,013, but that's obviously based on current balance.","start":441.2,"end":447.62,"sentiment":"neutral","sentiment_score":0.031270332634449005},{"text":"However, with withdrawing a bit of money added, obviously, means that the fee should be lower.","start":448.215,"end":452.395,"sentiment":"neutral","sentiment_score":0.11277361260727048},{"text":"Moving forward, obviously, you pay 1.65% per annum for our ongoing service fee.","start":453.09497,"end":459.175,"sentiment":"neutral","sentiment_score":0.1809647295337457}],"sentiment":"neutral","sentiment_score":0.0924613126486108,"num_words":69,"start":434.88,"end":459.175},{"sentences":[{"text":"It is deducted in smaller monthly increments there.","start":459.175,"end":461.58,"sentiment":"neutral","sentiment_score":0.11971190199255943},{"text":"But moving forward, we're gonna have more of a tiered structure.","start":461.81998,"end":464.22,"sentiment":"neutral","sentiment_score":0.1650965376333757},{"text":"So once your super balance hits over 200,000, then you drop down to the next tier, and it goes from 1.65% to 1.375%.","start":464.22,"end":472.93997,"sentiment":"neutral","sentiment_score":0.16546045243740082},{"text":"So, essentially, as your balance increases, you'll drop down each tier.","start":472.93997,"end":476.87997,"sentiment":"neutral","sentiment_score":0.21059269119392743},{"text":"And as of next year, we won't have the like, the fee itself will be a set dollar figure fee.","start":477.19498,"end":483.115,"sentiment":"neutral","sentiment_score":0.09018380809575319}],"sentiment":"neutral","sentiment_score":0.14656908631528895,"num_words":73,"start":459.175,"end":483.115},{"sentences":[{"text":"So we'll work out the fee based on the balance and have it set as a set dollar figure fee to give you a little bit more consistency and a bit of, you know, understanding of exactly what you'll pay for our services for the year.","start":483.115,"end":494.47,"sentiment":"neutral","sentiment_score":0.06948180087720571},{"text":"But because you're an ongoing client, there's no additional charges for us going to and doing the TWA and things like that for you as well.","start":494.85,"end":501.81,"sentiment":"neutral","sentiment_score":0.16879106542238823},{"text":"Okay?","start":501.81,"end":502.31,"sentiment":"neutral","sentiment_score":0.10720298439264296},{"text":"Easy.","start":504.05,"end":504.53,"sentiment":"neutral","sentiment_score":0.1876686215400696},{"text":"Do you any questions for any of those documents?","start":504.53,"end":506.86502,"sentiment":"neutral","sentiment_score":0.06428272401293118}],"sentiment":"neutral","sentiment_score":0.10190538148653794,"num_words":83,"start":483.115,"end":506.86502},{"sentences":[{"text":"I know you've seen a few of them now, so you're probably pretty blessed.","start":506.86502,"end":510.565,"sentiment":"neutral","sentiment_score":-0.0009687846260411399},{"text":"It is.","start":515.985,"end":516.72504,"sentiment":"neutral","sentiment_score":-0.009871422778815031},{"text":"It 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you.","start":530.595,"end":534.935,"sentiment":"neutral","sentiment_score":0.16424178025301764},{"text":"So just sort of double checking any additional any other details that might have kinda changed within the last sort of couple of months at all.","start":536.595,"end":545.415,"sentiment":"neutral","sentiment_score":-0.005841530752010071},{"text":"Income, everything's still fairly well the same.","start":545.91,"end":548.47,"sentiment":"neutral","sentiment_score":-0.08547226978199822}],"sentiment":"neutral","sentiment_score":0.1311978310153916,"num_words":87,"start":519.74,"end":548.47},{"sentences":[{"text":"You haven't got a pay rise at all?","start":548.47,"end":550.33,"sentiment":"neutral","sentiment_score":-0.09147328045219183},{"text":"Yeah.","start":554.71,"end":555.21,"sentiment":"neutral","sentiment_score":-0.04015229642391205},{"text":"Okay.","start":561.235,"end":561.735,"sentiment":"neutral","sentiment_score":-0.012281394563615322},{"text":"Yeah.","start":562.35504,"end":562.85504,"sentiment":"neutral","sentiment_score":-0.010652607306838036},{"text":"No.","start":562.91504,"end":563.155,"sentiment":"neutral","sentiment_score":-0.02006424218416214}],"sentiment":"neutral","sentiment_score":-0.06791139867467184,"num_words":12,"start":548.47,"end":563.155},{"sentences":[{"text":"That's okay.","start":563.155,"end":563.895,"sentiment":"neutral","sentiment_score":-0.0028813849203288555},{"text":"Yep.","start":570.35504,"end":570.755,"sentiment":"neutral","sentiment_score":0.09934311360120772},{"text":"Beautiful.","start":570.755,"end":571.255,"sentiment":"positive","sentiment_score":0.5036588907241821},{"text":"Excellent.","start":571.795,"end":572.295,"sentiment":"positive","sentiment_score":0.6511580944061279},{"text":"Thank you so much.","start":572.515,"end":573.395,"sentiment":"positive","sentiment_score":0.6974719017744064}],"sentiment":"positive","sentiment_score":0.44869832622094286,"num_words":9,"start":563.155,"end":573.395},{"sentences":[{"text":"I've got that back.","start":573.395,"end":574.195,"sentiment":"positive","sentiment_score":0.3699711784720421},{"text":"Appreciate that.","start":574.195,"end":575.075,"sentiment":"positive","sentiment_score":0.5408816039562225},{"text":"Thank you, Craig.","start":575.075,"end":575.94,"sentiment":"positive","sentiment_score":0.5211420257886251},{"text":"Easy done.","start":576.18,"end":576.92,"sentiment":"positive","sentiment_score":0.5293668508529663},{"text":"Beautiful.","start":577.78,"end":578.28,"sentiment":"positive","sentiment_score":0.3876855373382568}],"sentiment":"positive","sentiment_score":0.4642911031842232,"num_words":12,"start":573.395,"end":578.28},{"sentences":[{"text":"It's all going well.","start":580.26,"end":581.56,"sentiment":"neutral","sentiment_score":0.09193601040169597},{"text":"Yeah.","start":586.26,"end":586.66,"sentiment":"neutral","sentiment_score":0.10862910747528076},{"text":"Absolutely.","start":586.66,"end":587.16,"sentiment":"neutral","sentiment_score":0.2230197042226791},{"text":"No.","start":590.895,"end":591.135,"sentiment":"neutral","sentiment_score":-0.06578240543603897},{"text":"That's absolutely fine.","start":591.135,"end":592.67505,"sentiment":"positive","sentiment_score":0.3408959209918976}],"sentiment":"neutral","sentiment_score":0.16562982108443974,"num_words":10,"start":580.26,"end":592.67505},{"sentences":[{"text":"Look.","start":592.73505,"end":593.135,"sentiment":"neutral","sentiment_score":0.09380200505256651},{"text":"Honestly, boring isn't always bad.","start":593.135,"end":594.895,"sentiment":"neutral","sentiment_score":-0.0677131399512291},{"text":"I kind of like boring every now and then.","start":594.895,"end":596.73505,"sentiment":"neutral","sentiment_score":-0.07945924335055882},{"text":"As we get older, it gets nicer.","start":596.73505,"end":598.59503,"sentiment":"neutral","sentiment_score":0.038623105202402384},{"text":"All 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worries to look at yep.","start":704.345,"end":711.08496,"sentiment":"neutral","sentiment_score":0.023960303515195847},{"text":"Yes.","start":717.1,"end":717.6,"sentiment":"neutral","sentiment_score":0.11513860523700714},{"text":"Yes.","start":718.06,"end":718.46,"sentiment":"neutral","sentiment_score":0.12919750809669495},{"text":"So it is more salary sacrifices like a pretax deduction.","start":718.46,"end":721.6,"sentiment":"neutral","sentiment_score":0.14578813388943673},{"text":"So your employer, the same as if they do your normal employer contributions, is deducted out of your income, and then your income tax is worked on that.","start":721.82,"end":729.845,"sentiment":"neutral","sentiment_score":0.10503128184271711}],"sentiment":"neutral","sentiment_score":0.10406206880250703,"num_words":46,"start":704.345,"end":729.845},{"sentences":[{"text":"It does also have the effect of lowering, like, your take home pay as well, but we can always look at what you're comfortable with.","start":730.305,"end":737.505,"sentiment":"neutral","sentiment_score":0.13139438778162002},{"text":"Did you want us to maybe, when we touch base and do a catch up in February and March, we reassess maybe the contributions then and see how things are tracking for you and maybe look at that then?","start":737.505,"end":747.31,"sentiment":"neutral","sentiment_score":0.0929215226131372},{"text":"Yep.","start":752.25,"end":752.75,"sentiment":"neutral","sentiment_score":0.11799851059913637},{"text":"Beautiful.","start":753.21,"end":753.71,"sentiment":"positive","sentiment_score":0.609539270401001},{"text":"Beautiful.","start":754.305,"end":754.805,"sentiment":"positive","sentiment_score":0.642269492149353}],"sentiment":"neutral","sentiment_score":0.12356128880003495,"num_words":67,"start":730.305,"end":754.805},{"sentences":[{"text":"And much yeah.","start":754.945,"end":756.305,"sentiment":"neutral","sentiment_score":0.15554369489351907},{"text":"Abs 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okay.","start":893.05,"end":893.76996,"sentiment":"neutral","sentiment_score":0.23755736649036407},{"text":"The only thing I just wanna double check, beneficiary wise, I have Peter down here as your beneficiary.","start":893.76996,"end":899.375,"sentiment":"neutral","sentiment_score":0.05283401720225811}],"sentiment":"neutral","sentiment_score":0.09921545810673547,"num_words":23,"start":889.76996,"end":899.375},{"sentences":[{"text":"Still happy with that?","start":899.595,"end":900.89496,"sentiment":"neutral","sentiment_score":0.06027221027761698},{"text":"He can still have it all?","start":904.235,"end":905.695,"sentiment":"neutral","sentiment_score":-0.015904545007894438},{"text":"No.","start":910.17,"end":910.41,"sentiment":"neutral","sentiment_score":-0.02571733854711056},{"text":"That's oh, that's all good.","start":910.41,"end":912.49,"sentiment":"neutral","sentiment_score":0.18361181989312172},{"text":"And I've still got it down 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circumstances.","start":915.93,"end":918.43,"sentiment":"neutral","sentiment_score":0.03357440246535199},{"text":"Yep.","start":919.05,"end":919.55,"sentiment":"neutral","sentiment_score":0.06922513246536255},{"text":"Excellent.","start":920.17,"end":920.67,"sentiment":"positive","sentiment_score":0.4770063161849976},{"text":"Beautiful.","start":921.05,"end":921.55,"sentiment":"positive","sentiment_score":0.5722852945327759}],"sentiment":"neutral","sentiment_score":0.09363189698196947,"num_words":20,"start":913.77,"end":921.55},{"sentences":[{"text":"Fantastic.","start":922.84503,"end":923.34503,"sentiment":"positive","sentiment_score":0.5997079610824585},{"text":"Well, I'm glad everything's going well.","start":923.805,"end":925.72504,"sentiment":"positive","sentiment_score":0.5502672841151556},{"text":"I'll get that transaction without advice done up this afternoon.","start":925.72504,"end":928.28503,"sentiment":"neutral","sentiment_score":0.326491978764534},{"text":"My team will email it through to you so we can get it signed and sent back, and then I'll make sure they action it nice and quickly for you.","start":928.28503,"end":934.465,"sentiment":"neutral","sentiment_score":0.22458353042602539},{"text":"Okay?","start":934.525,"end":935.025,"sentiment":"neutral","sentiment_score":0.07653245329856873}],"sentiment":"neutral","sentiment_score":0.29125562123954296,"num_words":48,"start":922.84503,"end":935.025},{"sentences":[{"text":"That's okay.","start":937.31006,"end":938.11005,"sentiment":"positive","sentiment_score":0.5071772336959839},{"text":"Thank you for calling me back.","start":938.11005,"end":939.31006,"sentiment":"positive","sentiment_score":0.6648694574832916},{"text":"I hope you too.","start":939.31006,"end":940.67004,"sentiment":"positive","sentiment_score":0.5699565261602402},{"text":"Thank you so much for taking my call, Craig.","start":940.67004,"end":942.59,"sentiment":"positive","sentiment_score":0.5231369911796517},{"text":"Talk to you soon.","start":942.59,"end":943.57,"sentiment":"neutral","sentiment_score":-0.06907114014029503}],"sentiment":"positive","sentiment_score":0.46861382707953453,"num_words":25,"start":937.31006,"end":943.57},{"sentences":[{"text":"See you later.","start":944.11005,"end":944.91003,"sentiment":"neutral","sentiment_score":0.04212382187445959},{"text":"Bye.","start":944.91003,"end":945.41003,"sentiment":"neutral","sentiment_score":0.04639807343482971}],"sentiment":"neutral","sentiment_score":0.043192384764552116,"num_words":4,"start":944.11005,"end":945.41003}]}}]},{"alternatives":[{"transcript":"Good. Thank you, Diana. How are you? Sorry I missed your call. Yes. Good. I thought I looked at the time. I oh my god. Yeah. Good. I'm eventful real. Oh, well, eventful but pain painful at the same time. Just computer web work wouldn't wouldn't wouldn't work. But that's alright. No. Yes. That's correct. Yep. So and you know what it takes. You know, I have to transfer you and bond across, and then you got your moving fees after thirteen years in this place where decided to move. So yeah. So all that sort of stuff that all those little things that don't count. Yep. Yep. I think it's exactly the same as what we did last time. Yep. Yeah. I can. There we are. Signature the signature request. Got it. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. That'll be great. Yes. Yes. Yes. Yes. That's fine. Yeah. Yes. Yes, please. Yeah. Yep. Yep. Yep. Yep. Do you want me to do you sorry. Do you want do you want me to sign this document that you sent through? Okay. Yep. Perfect. Well, we've got it's been it's been one of those horrible weekends. We have to have our dog euthanized on Saturday because he had cancer, and it it took three weeks. So it's sort of everything's quick. So we're sort of moving slowly. Our lease doesn't expire until the September 13, but we're now on periodic lease. So we're just going through what we need to do to find places. We're not we don't wanna push ourselves because it becomes you you know, you just become all all caught up in all the pushing off it. But, yeah, I'd rather get it there so it's sitting in there and I know it's there and you just go bang bang bang and it's all done. Yeah. Mhmm. Yeah. Yep. Yes. Yep. Yes. Yep. Yes. Perfect. Yep. That'll be great. Yep. 30. Yeah. Yeah. Yeah. Yeah. Yeah. I can't see that I can't see that email. I'm looking trying to find out. I've got to sign document, but there's nothing to So I document and I I'm looking at it. The the the next document. Yep. So that's the the hub 24. Is it the hub 241? I mean oh, I don't get it. Maybe if I go. No. It's only letting me go through I need the the last one I've got is the Vanguard. Hang on. The next document. Then I've got IP services to go oh, yeah. Sorry. I haven't been scrolling. Yeah. Yep. Yep. Yep. Yep. Yep. Yes. Is it free? 9 dollars. Yes. Yes. Yes. Yes. Yes. Yeah. Sure. Yep. Yep. Yep. No. Not real. Not I'm I'm I'm just quickly I'm looking at them going, yeah. This is all the same stuff that you did last time. So yeah. Yep. No. Nothing's changed. No. Well, there is an EBA negotiation going on until that that I think that they may have signed off on it, but I'm not sure yet. It just becomes all confusing. So yeah. But once that happens, I'll, yeah, do that. I've sent that your document will be you will get the signed document by email. So I've done it. Yeah. No worries. So yeah. No. Everything else has changed. And nothing else has changed. Of course, the address will change, and that'll happen. I'll give you that to you once we get somewhere. Nothing no. Sorry. I'm pretty goring like that. Nothing changes in my life. I like it that way. Yeah. Exactly. Exactly. Yeah. No. Also. Excellent. Perfect. Yeah. I'm I'm I'm I'm no. I'm more than happy the way things are going. I've been looking at the hub 24 stuff that comes through, and I'm just sort of like, yeah. You know what? I'd rather be safe than sorry because just that we still don't know what's happening around the place around the world. So I'd rather not take that not take any risks at all. I'll just sort of keep the way I am. I think it's well, it's been working for me. So why why change something? It's not broken, so let's not change it. Yeah. Yeah. Yeah. Pretty sure. Yes. Yeah. That's yeah. I think so. Yeah. I mean, if any changes, of course, I will let you know. But, yeah, I'm thinking if we get they're talking about us getting 28% pay rise over three years. So I'm thinking I might I'll just kinda see how that looks because when they say that, it never actually it doesn't seem to like, your hourly rate goes up about $2 or something like that or something. But they reckon that she got up around about $8. So I'll look that and see what my I'll see what I'm getting, and then I might do the chucking, like, a 100 across or 200 across into the sub into the Hub account. But that's something I think we could talk about because I think there's a certain advantage. If I do it salary sacrifice, if it why wouldn't I have to pay tax? Or I can't can't leave leave less tax if I'm depositing. Yeah. Yeah. Yeah. Yeah. Yeah. Let's yeah. Let's look at that. It just should be all signed off by then while one would hope. Yep. So yeah. We'll look at that then, I think. Yep. There. Yep. Yes. Yes. Yes. Yeah. We right. Yeah. I'm happy with that. Yeah. Because I know I know I know I know I know you guys keep an eye on what's happening. If you find something else, something better, you will go, Craig, we can do this, or here we go. Yeah. Thanks. Oh, yeah. Yeah. Yep. Yeah. I think it's about just focusing on the moving first and then see where we're at. I mean, ultimately, we'll probably move back to Queensland. But, yeah, I'm just sort of there's a lot of things happening with mom and my mother and father and stuff like that. So I'm sort of gonna try and manage their health. So there's a lot of all that stuff, though, yeah, which is good. Not good, but it's good that, yeah, I haven't got any long term goals at the moment. But yeah. Same. Yeah. Yeah. Yes. Yep. Yep. Yeah. For sure. That'll that'll be good. Excellent. Beautiful. Yep. Oh, yeah. I suppose so. Yeah. No. He just he just walked out. Yeah. He can still well, I'm not taking with me. So he can have it all. Yeah. Yeah. Yeah. It's perfect. Excellent. Then great. Yeah. Mhmm. Then excellent. Thank you, Diana. Appreciate it. You have a great day. Thank you. No. No. Stop. Stay up. Bye. 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Thank you, Diana. How are you? Sorry I missed your call. Yes.\n\nGood. I thought I looked at the time. I oh my god. Yeah. Good.\n\nI'm eventful real. Oh, well, eventful but pain painful at the same time. Just computer web work wouldn't wouldn't wouldn't work. But that's alright. No.\n\nYes. That's correct. Yep. So and you know what it takes. You know, I have to transfer you and bond across, and then you got your moving fees after thirteen years in this place where decided to move.\n\nSo yeah. So all that sort of stuff that all those little things that don't count. Yep. Yep. I think it's exactly the same as what we did last time.\n\nYep. Yeah. I can. There we are. Signature the signature request.\n\nGot it. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. That'll be great.\n\nYes. Yes. Yes. Yes. That's fine.\n\nYeah. Yes. Yes, please. Yeah. Yep.\n\nYep. Yep. Yep. Do you want me to do you sorry. Do you want do you want me to sign this document that you sent through?\n\nOkay. Yep. Perfect. Well, we've got it's been it's been one of those horrible weekends. We have to have our dog euthanized on Saturday because he had cancer, and it it took three weeks.\n\nSo it's sort of everything's quick. So we're sort of moving slowly. Our lease doesn't expire until the September 13, but we're now on periodic lease. So we're just going through what we need to do to find places. We're not we don't wanna push ourselves because it becomes you you know, you just become all all caught up in all the pushing off it.\n\nBut, yeah, I'd rather get it there so it's sitting in there and I know it's there and you just go bang bang bang and it's all done. Yeah. Mhmm. Yeah. Yep.\n\nYes. Yep. Yes. Yep. Yes.\n\nPerfect. Yep. That'll be great. Yep. 30.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nI can't see that I can't see that email. I'm looking trying to find out. I've got to sign document, but there's nothing to So I document and I I'm looking at it. The the the next document. Yep.\n\nSo that's the the hub 24. Is it the hub 241? I mean oh, I don't get it. Maybe if I go. No.\n\nIt's only letting me go through I need the the last one I've got is the Vanguard. Hang on. The next document. Then I've got IP services to go oh, yeah. Sorry.\n\nI haven't been scrolling. Yeah. Yep. Yep. Yep.\n\nYep. Yep. Yes. Is it free? 9 dollars.\n\nYes. Yes. Yes. Yes. Yes.\n\nYeah. Sure. Yep. Yep. Yep.\n\nNo. Not real. Not I'm I'm I'm just quickly I'm looking at them going, yeah. This is all the same stuff that you did last time. So yeah.\n\nYep. No. Nothing's changed. No. Well, there is an EBA negotiation going on until that that I think that they may have signed off on it, but I'm not sure yet.\n\nIt just becomes all confusing. So yeah. But once that happens, I'll, yeah, do that. I've sent that your document will be you will get the signed document by email. So I've done it.\n\nYeah. No worries. So yeah. No. Everything else has changed.\n\nAnd nothing else has changed. Of course, the address will change, and that'll happen. I'll give you that to you once we get somewhere. Nothing no. Sorry.\n\nI'm pretty goring like that. Nothing changes in my life. I like it that way. Yeah. Exactly.\n\nExactly. Yeah. No. Also. Excellent.\n\nPerfect. Yeah. I'm I'm I'm I'm no. I'm more than happy the way things are going. I've been looking at the hub 24 stuff that comes through, and I'm just sort of like, yeah.\n\nYou know what? I'd rather be safe than sorry because just that we still don't know what's happening around the place around the world. So I'd rather not take that not take any risks at all. I'll just sort of keep the way I am. I think it's well, it's been working for me.\n\nSo why why change something? It's not broken, so let's not change it. Yeah. Yeah. Yeah.\n\nPretty sure. Yes. Yeah. That's yeah. I think so.\n\nYeah. I mean, if any changes, of course, I will let you know. But, yeah, I'm thinking if we get they're talking about us getting 28% pay rise over three years. So I'm thinking I might I'll just kinda see how that looks because when they say that, it never actually it doesn't seem to like, your hourly rate goes up about $2 or something like that or something. But they reckon that she got up around about $8.\n\nSo I'll look that and see what my I'll see what I'm getting, and then I might do the chucking, like, a 100 across or 200 across into the sub into the Hub account. But that's something I think we could talk about because I think there's a certain advantage. If I do it salary sacrifice, if it why wouldn't I have to pay tax? Or I can't can't leave leave less tax if I'm depositing. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Let's yeah.\n\nLet's look at that. It just should be all signed off by then while one would hope. Yep. So yeah. We'll look at that then, I think.\n\nYep. There. Yep. Yes. Yes.\n\nYes. Yeah. We right. Yeah. I'm happy with that.\n\nYeah. Because I know I know I know I know I know you guys keep an eye on what's happening. If you find something else, something better, you will go, Craig, we can do this, or here we go. Yeah. Thanks.\n\nOh, yeah. Yeah. Yep. Yeah. I think it's about just focusing on the moving first and then see where we're at.\n\nI mean, ultimately, we'll probably move back to Queensland. But, yeah, I'm just sort of there's a lot of things happening with mom and my mother and father and stuff like that. So I'm sort of gonna try and manage their health. So there's a lot of all that stuff, though, yeah, which is good. Not good, but it's good that, yeah, I haven't got any long term goals at the moment.\n\nBut yeah. Same. Yeah. Yeah. Yes.\n\nYep. Yep. Yeah. For sure. That'll that'll be good.\n\nExcellent. Beautiful. Yep. Oh, yeah. I suppose so.\n\nYeah. No. He just he just walked out. Yeah. He can still well, I'm not taking with me.\n\nSo he can have it all. Yeah. Yeah. Yeah. It's perfect.\n\nExcellent. Then great. Yeah. Mhmm. Then excellent.\n\nThank you, Diana. Appreciate it. You have a great day. Thank you. No.\n\nNo. Stop. Stay up. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Good.","start":4.72,"end":4.88,"sentiment":"positive","sentiment_score":0.5298148393630981},{"text":"Thank you, Diana.","start":4.88,"end":5.6,"sentiment":"positive","sentiment_score":0.5540531476338705},{"text":"How are you?","start":5.6,"end":6.0,"sentiment":"positive","sentiment_score":0.35397273302078247},{"text":"Sorry I missed your call.","start":6.0,"end":7.2999997,"sentiment":"neutral","sentiment_score":-0.026161181181669234},{"text":"Yes.","start":14.88,"end":15.38,"sentiment":"neutral","sentiment_score":0.18340198695659635}],"sentiment":"neutral","sentiment_score":0.25434527402886975,"num_words":13,"start":4.72,"end":15.38},{"sentences":[{"text":"Good.","start":15.805,"end":16.045,"sentiment":"neutral","sentiment_score":0.21352067589759827},{"text":"I thought I looked at the time.","start":16.045,"end":18.125,"sentiment":"neutral","sentiment_score":0.007093225206647601},{"text":"I oh my 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alright.","start":32.67,"end":33.649998,"sentiment":"neutral","sentiment_score":-0.11019319792588551},{"text":"No.","start":34.67,"end":35.17,"sentiment":"neutral","sentiment_score":-0.08133786916732788}],"sentiment":"neutral","sentiment_score":-0.08244041502475738,"num_words":25,"start":25.405,"end":35.17},{"sentences":[{"text":"Yes.","start":44.765,"end":45.085,"sentiment":"neutral","sentiment_score":0.07011935114860535},{"text":"That's correct.","start":45.085,"end":45.725,"sentiment":"neutral","sentiment_score":0.09853041544556618},{"text":"Yep.","start":45.725,"end":46.045,"sentiment":"neutral","sentiment_score":0.07006639242172241},{"text":"So and you know what it takes.","start":46.045,"end":47.164997,"sentiment":"neutral","sentiment_score":0.039174837725503106},{"text":"You know, I have to transfer you and bond across, and then you got your moving fees after thirteen years in this place where decided to 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can't see that I can't see that email.","start":383.86,"end":386.18,"sentiment":"neutral","sentiment_score":-0.06310582078165478},{"text":"I'm looking trying to find out.","start":386.18,"end":387.46,"sentiment":"neutral","sentiment_score":-0.04264790813128153},{"text":"I've got to sign document, but there's nothing to So I document and I I'm looking at it.","start":387.46,"end":397.855,"sentiment":"neutral","sentiment_score":-0.010001723952074017},{"text":"The the the next document.","start":398.955,"end":402.175,"sentiment":"neutral","sentiment_score":0.013274053670465946},{"text":"Yep.","start":402.395,"end":402.895,"sentiment":"neutral","sentiment_score":0.034872278571128845}],"sentiment":"neutral","sentiment_score":-0.023144315898370665,"num_words":39,"start":383.86,"end":402.895},{"sentences":[{"text":"So that's the the hub 24.","start":403.595,"end":406.395,"sentiment":"neutral","sentiment_score":0.042906973200539746},{"text":"Is it the hub 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real.","start":509.605,"end":510.165,"sentiment":"neutral","sentiment_score":-0.19914615899324417},{"text":"Not I'm I'm I'm just quickly I'm looking at them going, yeah.","start":510.165,"end":514.325,"sentiment":"neutral","sentiment_score":-0.026529678298781317},{"text":"This is all the same stuff that you did last time.","start":514.325,"end":517.065,"sentiment":"neutral","sentiment_score":-0.004456091756847772},{"text":"So yeah.","start":517.285,"end":518.195,"sentiment":"neutral","sentiment_score":0.027010854333639145}],"sentiment":"neutral","sentiment_score":-0.028549405180716088,"num_words":28,"start":509.205,"end":518.195},{"sentences":[{"text":"Yep.","start":535.39496,"end":535.89496,"sentiment":"neutral","sentiment_score":0.0597384087741375},{"text":"No.","start":545.31494,"end":545.71497,"sentiment":"neutral","sentiment_score":-0.1063508540391922},{"text":"Nothing's changed.","start":545.71497,"end":550.32,"sentiment":"neutral","sentiment_score":-0.08242170698940754},{"text":"No.","start":550.32,"end":550.8,"sentiment":"neutral","sentiment_score":-0.05802889168262482},{"text":"Well, there is an EBA negotiation going on until that that I think that they may have signed off on it, but I'm not sure yet.","start":550.8,"end":560.30505,"sentiment":"neutral","sentiment_score":-0.07433919981122017}],"sentiment":"neutral","sentiment_score":-0.07104206277478126,"num_words":31,"start":535.39496,"end":560.30505},{"sentences":[{"text":"It just becomes all confusing.","start":560.30505,"end":561.60504,"sentiment":"neutral","sentiment_score":-0.16797638386487962},{"text":"So yeah.","start":562.145,"end":562.625,"sentiment":"neutral","sentiment_score":-0.00886171474121511},{"text":"But once that happens, I'll, yeah, do that.","start":562.625,"end":565.265,"sentiment":"neutral","sentiment_score":0.007410028192680329},{"text":"I've sent that your document will be you will get the signed document by email.","start":565.265,"end":569.84503,"sentiment":"neutral","sentiment_score":0.030053102349241575},{"text":"So I've done it.","start":570.385,"end":571.36505,"sentiment":"neutral","sentiment_score":0.28329966962337494}],"sentiment":"neutral","sentiment_score":0.023107943837256992,"num_words":34,"start":560.30505,"end":571.36505},{"sentences":[{"text":"Yeah.","start":573.265,"end":573.765,"sentiment":"neutral","sentiment_score":0.3298426866531372},{"text":"No worries.","start":576.52,"end":577.34,"sentiment":"neutral","sentiment_score":0.26632943749427795},{"text":"So yeah.","start":577.96,"end":578.52,"sentiment":"neutral","sentiment_score":0.08651183918118477},{"text":"No.","start":578.52,"end":578.76,"sentiment":"neutral","sentiment_score":-0.017566712573170662},{"text":"Everything else has changed.","start":578.76,"end":579.96,"sentiment":"neutral","sentiment_score":-0.02949693240225315}],"sentiment":"neutral","sentiment_score":0.08999707978218793,"num_words":10,"start":573.265,"end":579.96},{"sentences":[{"text":"And nothing else has changed.","start":579.96,"end":581.26,"sentiment":"neutral","sentiment_score":0.013163884170353413},{"text":"Of course, the address will change, and that'll happen.","start":581.32,"end":583.8,"sentiment":"neutral","sentiment_score":0.04173341248598364},{"text":"I'll give you that to you once we get somewhere.","start":583.8,"end":585.66003,"sentiment":"neutral","sentiment_score":0.06681427173316479},{"text":"Nothing no.","start":588.135,"end":588.775,"sentiment":"neutral","sentiment_score":0.02479048166424036},{"text":"Sorry.","start":588.775,"end":589.015,"sentiment":"neutral","sentiment_score":-0.035797879099845886}],"sentiment":"neutral","sentiment_score":0.041605404992070466,"num_words":27,"start":579.96,"end":589.015},{"sentences":[{"text":"I'm pretty goring like that.","start":589.015,"end":590.05505,"sentiment":"neutral","sentiment_score":-0.12415583580732345},{"text":"Nothing changes in my life.","start":590.05505,"end":591.255,"sentiment":"neutral","sentiment_score":-0.07509053871035576},{"text":"I like it that 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I'm I'm I'm no.","start":622.565,"end":625.205,"sentiment":"neutral","sentiment_score":-0.049742807447910306},{"text":"I'm more than happy the way things are going.","start":625.205,"end":627.285,"sentiment":"neutral","sentiment_score":0.16231766591469446},{"text":"I've been looking at the hub 24 stuff that comes through, and I'm just sort of like, yeah.","start":627.285,"end":631.45,"sentiment":"neutral","sentiment_score":0.01713070087134838}],"sentiment":"neutral","sentiment_score":0.049789740594432634,"num_words":34,"start":606.33,"end":631.45},{"sentences":[{"text":"You know what?","start":631.45,"end":632.27,"sentiment":"neutral","sentiment_score":-0.007670845836400986},{"text":"I'd rather be safe than sorry because just that we still don't know what's happening around the place around the world.","start":632.65,"end":639.45,"sentiment":"neutral","sentiment_score":-0.02117143136759599},{"text":"So I'd rather not take that not take any risks at 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it.","start":649.555,"end":651.815,"sentiment":"neutral","sentiment_score":-0.17251850478351116},{"text":"Yeah.","start":654.915,"end":655.415,"sentiment":"neutral","sentiment_score":0.09914787113666534},{"text":"Yeah.","start":657.84,"end":658.34,"sentiment":"neutral","sentiment_score":0.08889187127351761},{"text":"Yeah.","start":658.56,"end":658.8,"sentiment":"neutral","sentiment_score":0.07936230301856995}],"sentiment":"neutral","sentiment_score":-0.10557562671601772,"num_words":16,"start":646.915,"end":658.8},{"sentences":[{"text":"Pretty sure.","start":658.8,"end":659.62,"sentiment":"neutral","sentiment_score":0.0802728570997715},{"text":"Yes.","start":665.28,"end":665.78,"sentiment":"neutral","sentiment_score":0.10610763728618622},{"text":"Yeah.","start":665.92004,"end":666.16003,"sentiment":"neutral","sentiment_score":0.12842285633087158},{"text":"That's yeah.","start":666.16003,"end":667.92004,"sentiment":"neutral","sentiment_score":0.1547897756099701},{"text":"I think so.","start":667.92004,"end":668.64,"sentiment":"neutral","sentiment_score":0.11462645481030147}],"sentiment":"neutral","sentiment_score":0.11650390260749394,"num_words":9,"start":658.8,"end":668.64},{"sentences":[{"text":"Yeah.","start":668.64,"end":669.14,"sentiment":"neutral","sentiment_score":0.04644986242055893},{"text":"I mean, if any changes, of course, I will let you know.","start":669.725,"end":673.185,"sentiment":"neutral","sentiment_score":0.07324188606192668},{"text":"But, yeah, I'm thinking if we get they're talking about us getting 28% pay rise over three years.","start":673.245,"end":679.745,"sentiment":"neutral","sentiment_score":0.10863606735236114},{"text":"So I'm thinking I might I'll just kinda see how that looks because when they say that, it never actually it doesn't seem to like, your hourly rate goes up about $2 or something like that or something.","start":680.285,"end":690.96,"sentiment":"neutral","sentiment_score":0.03718524328187892},{"text":"But they reckon that she got up around about $8.","start":690.96,"end":693.3,"sentiment":"neutral","sentiment_score":0.03936563655734062}],"sentiment":"neutral","sentiment_score":0.059335409085961834,"num_words":79,"start":668.64,"end":693.3},{"sentences":[{"text":"So I'll look that and see what my I'll see what I'm getting, and then I might do the chucking, like, a 100 across or 200 across into the sub into the Hub account.","start":693.76,"end":703.105,"sentiment":"neutral","sentiment_score":0.0739055791979327},{"text":"But that's something I think we could talk about because I think there's a certain advantage.","start":704.445,"end":708.20496,"sentiment":"neutral","sentiment_score":0.1148390555754304},{"text":"If I do it salary sacrifice, if it why wouldn't I have to pay tax?","start":708.20496,"end":713.74005,"sentiment":"neutral","sentiment_score":0.06271065616359313},{"text":"Or I can't can't leave leave less tax if I'm depositing.","start":714.28,"end":717.5,"sentiment":"neutral","sentiment_score":-0.05371986947615038},{"text":"Yeah.","start":718.2,"end":718.7,"sentiment":"neutral","sentiment_score":0.14246511459350586}],"sentiment":"neutral","sentiment_score":0.06288858408761488,"num_words":77,"start":693.76,"end":718.7},{"sentences":[{"text":"Yeah.","start":722.2,"end":722.7,"sentiment":"neutral","sentiment_score":0.1297992467880249},{"text":"Yeah.","start":728.015,"end":728.515,"sentiment":"neutral","sentiment_score":0.09029878675937653},{"text":"Yeah.","start":745.67,"end":745.99,"sentiment":"neutral","sentiment_score":0.06101121008396149},{"text":"Yeah.","start":745.99,"end":746.31,"sentiment":"neutral","sentiment_score":0.03945570066571236},{"text":"Let's yeah.","start":746.31,"end":747.91,"sentiment":"neutral","sentiment_score":0.033036268316209316}],"sentiment":"neutral","sentiment_score":0.06443958015491565,"num_words":6,"start":722.2,"end":747.91},{"sentences":[{"text":"Let's look at that.","start":747.91,"end":748.55,"sentiment":"neutral","sentiment_score":0.06701839063316584},{"text":"It just should be all signed off by then while one would hope.","start":748.55,"end":751.61,"sentiment":"neutral","sentiment_score":0.06240325478407053},{"text":"Yep.","start":753.19,"end":753.58997,"sentiment":"neutral","sentiment_score":0.20496433973312375},{"text":"So yeah.","start":753.58997,"end":754.575,"sentiment":"positive","sentiment_score":0.45121029019355774},{"text":"We'll look at that then, I 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right.","start":798.65,"end":799.55,"sentiment":"positive","sentiment_score":0.383528470993042},{"text":"Yeah.","start":803.05,"end":803.37,"sentiment":"positive","sentiment_score":0.5114848613739014},{"text":"I'm happy with that.","start":803.37,"end":804.33,"sentiment":"positive","sentiment_score":0.6255828142166138}],"sentiment":"positive","sentiment_score":0.5026851197083791,"num_words":9,"start":792.185,"end":804.33},{"sentences":[{"text":"Yeah.","start":804.33,"end":804.83,"sentiment":"neutral","sentiment_score":0.27920204401016235},{"text":"Because I know I know I know I know I know you guys keep an eye on what's happening.","start":805.29004,"end":808.65,"sentiment":"neutral","sentiment_score":0.13117970369364085},{"text":"If you find something else, something better, you will go, Craig, we can do this, or here we go.","start":808.65,"end":813.075,"sentiment":"neutral","sentiment_score":0.12885336362217603},{"text":"Yeah.","start":813.075,"end":813.23505,"sentiment":"neutral","sentiment_score":0.1931791305541992},{"text":"Thanks.","start":813.23505,"end":813.73505,"sentiment":"neutral","sentiment_score":0.31384068727493286}],"sentiment":"neutral","sentiment_score":0.13967927172780037,"num_words":41,"start":804.33,"end":813.73505},{"sentences":[{"text":"Oh, yeah.","start":813.955,"end":814.615,"sentiment":"neutral","sentiment_score":0.1631416231393814},{"text":"Yeah.","start":815.555,"end":816.055,"sentiment":"neutral","sentiment_score":0.1956588625907898},{"text":"Yep.","start":819.23505,"end":819.73505,"sentiment":"neutral","sentiment_score":0.15619716048240662},{"text":"Yeah.","start":829.44,"end":829.68,"sentiment":"neutral","sentiment_score":0.06101469695568085},{"text":"I think it's about just focusing on the moving first and then see where we're at.","start":829.68,"end":833.83997,"sentiment":"neutral","sentiment_score":0.08803824544884264}],"sentiment":"neutral","sentiment_score":0.10227456635662488,"num_words":21,"start":813.955,"end":833.83997},{"sentences":[{"text":"I mean, ultimately, we'll probably move back to Queensland.","start":833.83997,"end":836.5,"sentiment":"neutral","sentiment_score":0.07045815719498529},{"text":"But, yeah, I'm just sort of there's a lot of things happening with mom and my mother and father and stuff like that.","start":837.76,"end":842.78503,"sentiment":"neutral","sentiment_score":-0.001777227603546951},{"text":"So I'm sort of gonna try and manage their health.","start":842.78503,"end":844.965,"sentiment":"neutral","sentiment_score":0.016986298747360705},{"text":"So there's a lot of all that stuff, though, yeah, which is good.","start":845.265,"end":847.985,"sentiment":"neutral","sentiment_score":0.009685123196014991},{"text":"Not good, but it's good that, yeah, I haven't got any long term goals at the moment.","start":847.985,"end":852.98,"sentiment":"neutral","sentiment_score":0.11977526172995567}],"sentiment":"neutral","sentiment_score":0.04062772525422689,"num_words":72,"start":833.83997,"end":852.98},{"sentences":[{"text":"But yeah.","start":854.128,"end":857.92395,"sentiment":"neutral","sentiment_score":0.05232663452625275},{"text":"Same.","start":859.07196,"end":859.57196,"sentiment":"neutral","sentiment_score":0.043111011385917664},{"text":"Yeah.","start":860.72,"end":861.22,"sentiment":"neutral","sentiment_score":0.05326226353645325},{"text":"Yeah.","start":867.27997,"end":867.77997,"sentiment":"neutral","sentiment_score":0.07627343386411667},{"text":"Yes.","start":868.035,"end":868.535,"sentiment":"neutral","sentiment_score":0.1471959501504898}],"sentiment":"neutral","sentiment_score":0.07074932133158048,"num_words":6,"start":854.128,"end":868.535},{"sentences":[{"text":"Yep.","start":879.235,"end":879.735,"sentiment":"neutral","sentiment_score":0.06235022097826004},{"text":"Yep.","start":880.915,"end":881.19,"sentiment":"neutral","sentiment_score":0.07411831617355347},{"text":"Yeah.","start":889.51,"end":889.83,"sentiment":"neutral","sentiment_score":0.06284676492214203},{"text":"For sure.","start":889.83,"end":890.31,"sentiment":"neutral","sentiment_score":0.1061125174164772},{"text":"That'll that'll be good.","start":890.31,"end":891.35,"sentiment":"positive","sentiment_score":0.5050663873553276}],"sentiment":"neutral","sentiment_score":0.2702006540364689,"num_words":9,"start":879.235,"end":891.35},{"sentences":[{"text":"Excellent.","start":891.35,"end":891.85,"sentiment":"positive","sentiment_score":0.5749944448471069},{"text":"Beautiful.","start":891.91,"end":892.41,"sentiment":"positive","sentiment_score":0.4921455681324005},{"text":"Yep.","start":901.335,"end":901.575,"sentiment":"neutral","sentiment_score":0.024710504338145256},{"text":"Oh, yeah.","start":901.575,"end":902.135,"sentiment":"neutral","sentiment_score":0.02012869156897068},{"text":"I suppose so.","start":902.135,"end":903.195,"sentiment":"neutral","sentiment_score":0.01840699774523576}],"sentiment":"neutral","sentiment_score":0.14841611171141267,"num_words":8,"start":891.35,"end":903.195},{"sentences":[{"text":"Yeah.","start":903.575,"end":903.735,"sentiment":"neutral","sentiment_score":0.005208486691117287},{"text":"No.","start":903.735,"end":903.895,"sentiment":"neutral","sentiment_score":-0.017036281526088715},{"text":"He just he just walked out.","start":903.895,"end":905.515,"sentiment":"neutral","sentiment_score":-0.012937089117864767},{"text":"Yeah.","start":905.655,"end":905.895,"sentiment":"neutral","sentiment_score":-0.003980809822678566},{"text":"He can still well, I'm not taking with me.","start":905.895,"end":908.18,"sentiment":"neutral","sentiment_score":-0.022667729295790195}],"sentiment":"neutral","sentiment_score":-0.016524483501497243,"num_words":18,"start":903.575,"end":908.18},{"sentences":[{"text":"So he can have it all.","start":909.68,"end":910.98,"sentiment":"neutral","sentiment_score":-0.010542890367408594},{"text":"Yeah.","start":917.36,"end":917.86,"sentiment":"neutral","sentiment_score":0.02234121412038803},{"text":"Yeah.","start":919.36,"end":919.83997,"sentiment":"neutral","sentiment_score":0.09680532664060593},{"text":"Yeah.","start":919.83997,"end":920.33997,"sentiment":"neutral","sentiment_score":0.16857348382472992},{"text":"It's perfect.","start":921.12,"end":921.77997,"sentiment":"positive","sentiment_score":0.5828367471694946}],"sentiment":"neutral","sentiment_score":0.12637601606547832,"num_words":11,"start":909.68,"end":921.77997},{"sentences":[{"text":"Excellent.","start":922.16,"end":922.66,"sentiment":"positive","sentiment_score":0.5940110683441162},{"text":"Then great.","start":923.805,"end":924.865,"sentiment":"positive","sentiment_score":0.5569576770067215},{"text":"Yeah.","start":930.045,"end":930.545,"sentiment":"neutral","sentiment_score":0.1865370273590088},{"text":"Mhmm.","start":931.96497,"end":932.46497,"sentiment":"neutral","sentiment_score":0.1845621019601822},{"text":"Then excellent.","start":934.845,"end":935.725,"sentiment":"positive","sentiment_score":0.7136662602424622}],"sentiment":"positive","sentiment_score":0.5009082960230964,"num_words":7,"start":922.16,"end":935.725},{"sentences":[{"text":"Thank you, Diana.","start":935.725,"end":936.605,"sentiment":"positive","sentiment_score":0.8185948928197225},{"text":"Appreciate it.","start":936.605,"end":937.44,"sentiment":"positive","sentiment_score":0.7747391760349274},{"text":"You have a great day.","start":938.48,"end":939.62,"sentiment":"positive","sentiment_score":0.647734522819519},{"text":"Thank you.","start":941.36,"end":942.1,"sentiment":"positive","sentiment_score":0.5558315515518188},{"text":"No.","start":942.48,"end":942.83997,"sentiment":"neutral","sentiment_score":-0.10369165241718292}],"sentiment":"positive","sentiment_score":0.6347620842548517,"num_words":13,"start":935.725,"end":942.83997},{"sentences":[{"text":"No.","start":942.83997,"end":943.2,"sentiment":"neutral","sentiment_score":-0.108930803835392},{"text":"Stop.","start":943.2,"end":943.7,"sentiment":"neutral","sentiment_score":-0.07417457550764084},{"text":"Stay up.","start":943.92,"end":944.48,"sentiment":"neutral","sentiment_score":-0.020380280911922455},{"text":"Bye.","start":944.48,"end":944.98,"sentiment":"neutral","sentiment_score":0.06193222850561142},{"text":"Bye.","start":945.36,"end":945.86,"sentiment":"neutral","sentiment_score":-0.11729690432548524}],"sentiment":"neutral","sentiment_score":-0.046538436164458595,"num_words":6,"start":942.83997,"end":945.86}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hi, Craig. This is Dana. How are you this afternoon?\n\nChannel 1: Good. Thank you, Diana. How are you? Sorry I missed your\n\nChannel 0: I'm\n\nChannel 1: call.\n\nChannel 0: no. You're absolutely fine. It's not a problem at all. I was just about to text you, actually, to go, hey. Is this me?\n\nGive me a callback when you're free. It's all\n\nChannel 1: Yes.\n\nChannel 0: good.\n\nChannel 1: Good. I thought I looked\n\nChannel 0: No.\n\nChannel 1: at the\n\nChannel 0: All\n\nChannel 1: time.\n\nChannel 0: good.\n\nChannel 1: I oh my god.\n\nChannel 0: You're honestly fine. How's your day been so far?\n\nChannel 1: Yeah. Good. I'm eventful real. Oh, well, eventful but pain painful at the same time. Just computer web\n\nChannel 0: Oh,\n\nChannel 1: work\n\nChannel 0: no.\n\nChannel 1: wouldn't wouldn't wouldn't work. But\n\nChannel 0: Oh, no.\n\nChannel 1: that's alright.\n\nChannel 0: You poor thing.\n\nChannel 1: No.\n\nChannel 0: All good. Craig, I had you booked in to go through your annual review there, but it also looks like you're wanting to sort of access some funds again now for the new financial year. Looks like you're moving. Is that right?\n\nChannel 1: Yes. That's correct. Yep. So and you know what it takes. You know, I have to transfer you and bond across, and then you got your moving fees after thirteen years in this place where decided to move.\n\nChannel 0: Yeah.\n\nChannel 1: So yeah. So all that sort of stuff that all those little things that don't count.\n\nChannel 0: Yeah. No. Understandable. So just with the withdrawal, are you sort of needing the funds fairly quickly? Are you wanting us to process that transfer time strategy again as a\n\nChannel 1: Yep.\n\nChannel 0: transaction without advice so you can get the money fairly quickly?\n\nChannel 1: Yep. I think it's exactly\n\nChannel 0: Yep.\n\nChannel 1: the same as what\n\nChannel 0: Beautiful.\n\nChannel 1: we did last time.\n\nChannel 0: Yes.\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. No problem at all. Now the balance sitting in the account there, I have also sent through the interview documents to you. Are you able to access your emails? If you can't at the moment, that's okay.\n\nJust\n\nChannel 1: Yeah.\n\nChannel 0: so\n\nChannel 1: I\n\nChannel 0: I\n\nChannel 1: can.\n\nChannel 0: can go\n\nChannel 1: There we\n\nChannel 0: you're\n\nChannel 1: are.\n\nChannel 0: right.\n\nChannel 1: Signature the signature request. Got it.\n\nChannel 0: That's the one. Yes. If you click on the button, it'll take you through so you can see each of the documents there. The first one is giving you your balance. So your balance in the account now, we're sitting at 116,227.\n\nChannel 1: Yep.\n\nChannel 0: So you're fairly well versed in how the TTR side of things works.\n\nChannel 1: Yep.\n\nChannel 0: We can transfer essentially all except 10,000 plus the tax liability. Now\n\nChannel 1: Yep.\n\nChannel 0: at the moment the moment the tax liability was sitting at or tax liability is actually a minus 1,581. So it looks like we should be able to just leave, say, 10,000 behind in the accumulation phase and transfer\n\nChannel 1: Yep.\n\nChannel 0: the rest across for you.\n\nChannel 1: Yep.\n\nChannel 0: So just to give you a bit of an idea, are you wanting to access the full 10% of that transfer balance like\n\nChannel 1: Yep.\n\nChannel 0: you normally\n\nChannel 1: Yep.\n\nChannel 0: do?\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: That'll be great.\n\nChannel 0: Beautiful. So we got a $11,622.07. We'll leave 10,000 behind. Easy. So it's essentially about a 106,227 given\n\nChannel 1: Yes.\n\nChannel 0: current market conditions.\n\nChannel 1: Yes.\n\nChannel 0: And then 10% of that is roughly oh, shit. Sorry. My bad. My computer is having a moment. Sorry about that.\n\nIt went, oh, snap. I was like, oh my gosh. What is it doing?\n\nChannel 1: Yes.\n\nChannel 0: 1 06227. So it's about 10,622 that you're able to access. Is that enough?\n\nChannel 1: Yes. That's fine. Yeah.\n\nChannel 0: Yep. Beautiful. So it will say 10% of the balance. And you're happy for me to process that as a transaction without advice there for you?\n\nChannel 1: Yes. Yes, please. Yeah.\n\nChannel 0: Yep. Beautiful. Excellent. Lovely. Well, I'll get that document done for you this afternoon, send it through.\n\nChannel 1: Yep.\n\nChannel 0: It will just run through the normal side of things, the risks, noting that we're withdrawing the funds. They're no longer gonna be in super. It takes a little bit of time to open up the pension account for the\n\nChannel 1: Yep.\n\nChannel 0: transfer, but as soon as that happens, we'll make sure those funds are drawn down to your bank account nice and quickly.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Are\n\nChannel 1: Do you\n\nChannel 0: you\n\nChannel 1: want me\n\nChannel 0: happy\n\nChannel 1: to do you\n\nChannel 0: you alright?\n\nChannel 1: sorry. Do you want do you want me to sign this document that you sent through?\n\nChannel 0: I do, but not just yet. I wanted to run\n\nChannel 1: Okay.\n\nChannel 0: you through a couple of things\n\nChannel 1: Yep.\n\nChannel 0: first. I never want you to sign anything you haven't read, so I'll just take you through it. Easy. Are you happy with us using the bank account that we used last time for the last withdrawal?\n\nChannel 1: Perfect.\n\nChannel 0: Yeah. Beautiful. Excellent. I'll get that sorted for you today. Not a problem at all.\n\nThank you so much, Craig. And so when are you moving?\n\nChannel 1: Well, we've got it's been it's been one of those horrible weekends. We have to have our dog euthanized on Saturday\n\nChannel 0: Oh.\n\nChannel 1: because\n\nChannel 0: Oh, I'm so\n\nChannel 1: he had\n\nChannel 0: sorry.\n\nChannel 1: cancer, and it it took three weeks. So it's sort of everything's quick. So we're sort of moving slowly. Our lease doesn't expire until the September 13, but\n\nChannel 0: Yep.\n\nChannel 1: we're now on periodic lease. So\n\nChannel 0: Okay.\n\nChannel 1: we're just going through what we need to do to find places. We're not we don't wanna push ourselves because it becomes you you know, you just become all all caught up in all the pushing off it. But, yeah, I'd rather get it there so it's sitting in there and I know it's there and you just go bang bang bang and it's all done.\n\nChannel 0: Yes. Absolutely. No. That's not a problem at all. I'll make sure that it gets done nice and quickly Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: I also had so you've got your balance there, which is great. I did notice when you go to the next page there, you've got your individual investments. So we went through advice earlier in the\n\nChannel 1: Mhmm.\n\nChannel 0: year, and we had sort\n\nChannel 1: Yeah.\n\nChannel 0: of made some changes to the investments within, which is great. When\n\nChannel 1: Yep.\n\nChannel 0: we kind of look at how everything is performing over the last twelve months with the investment switches and even with the withdrawal that you made earlier this year, you still had a 9.31% return. So\n\nChannel 1: Yes.\n\nChannel 0: all in all, that shows the growth and the earnings from within that super fund is over $12,454 as a dollar figure. So that is\n\nChannel 1: Yep.\n\nChannel 0: really good. It is showing that the growth at the portfolios are still working, and we did remove that funnel out of there earlier this year and replaced that. So we'll kinda just keep watching that moving forward.\n\nChannel 1: Yes.\n\nChannel 0: I just also wanted to check I'm wanting to make sure I do a bit of a catch up with everyone in the next sort of six months. Did you want me to do a catch up with you maybe\n\nChannel 1: Yep.\n\nChannel 0: early next year prior to a new review to see how things are going and tracking?\n\nChannel 1: Yes. Perfect. Yep. That'll be great.\n\nChannel 0: Beautiful. Excellent. So I can get my team to give you a call maybe February, and we book that in for either February or March depending on your availability. How does\n\nChannel 1: Yep.\n\nChannel 0: that sound?\n\nChannel 1: 30. Yeah.\n\nChannel 0: Yep. Easy. Fantastic. In that email there, the next couple of documents along are just the regular ones we send, the Vanguard index chart, which shows you how\n\nChannel 1: Yeah.\n\nChannel 0: being in the market can sort of provide greater growth long term. And then we've also got the financial services guide. You've had a few of those now that just\n\nChannel 1: Yeah.\n\nChannel 0: outlines everything about who we are, what we do, and how we\n\nChannel 1: Yeah.\n\nChannel 0: do it. It's got a lovely glossy picture of me in there for you as well.\n\nChannel 1: Yeah. I can't see that I can't see that email. I'm looking trying to find out.\n\nChannel 0: Can't.\n\nChannel 1: I've got to sign document, but\n\nChannel 0: Yeah.\n\nChannel 1: there's nothing\n\nChannel 0: Press\n\nChannel 1: to\n\nChannel 0: on the press on the sign document, and it should take you through.\n\nChannel 1: So I document and I\n\nChannel 0: Yep.\n\nChannel 1: I'm looking at it.\n\nChannel 0: Is it there's a\n\nChannel 1: The\n\nChannel 0: button\n\nChannel 1: the\n\nChannel 0: that goes next or\n\nChannel 1: the\n\nChannel 0: there's a,\n\nChannel 1: next\n\nChannel 0: like,\n\nChannel 1: document.\n\nChannel 0: a you can scroll\n\nChannel 1: Yep.\n\nChannel 0: through them? Yeah.\n\nChannel 1: So that's the the hub 24. Is it the hub 241? I mean oh, I don't\n\nChannel 0: Yes.\n\nChannel 1: get it.\n\nChannel 0: Yes.\n\nChannel 1: Maybe\n\nChannel 0: That's\n\nChannel 1: if\n\nChannel 0: the\n\nChannel 1: I go.\n\nChannel 0: last that's the last one attached. Is it letting you scroll up and down through it? Normally, there's, like, a a button you can press to go to each document, or it lets you scroll up and down through them.\n\nChannel 1: No. It's only letting me go through I need the the last one I've got is the Vanguard. Hang on. The next document.\n\nChannel 0: Mhmm.\n\nChannel 1: Then I've got IP services to go oh,\n\nChannel 0: Yep.\n\nChannel 1: yeah. Sorry.\n\nChannel 0: That's\n\nChannel 1: I\n\nChannel 0: the\n\nChannel 1: haven't\n\nChannel 0: financial\n\nChannel 1: been scrolling.\n\nChannel 0: services guide. No.\n\nChannel 1: Yeah.\n\nChannel 0: You're\n\nChannel 1: Yep.\n\nChannel 0: fine.\n\nChannel 1: Yep.\n\nChannel 0: You're\n\nChannel 1: Yep.\n\nChannel 0: fine. The last one attached is that have 24 consent forms. So\n\nChannel 1: Yep.\n\nChannel 0: that\n\nChannel 1: Yep.\n\nChannel 0: is the ongoing fee agreement for us.\n\nChannel 1: Yes.\n\nChannel 0: It does\n\nChannel 1: Is\n\nChannel 0: sort\n\nChannel 1: it\n\nChannel 0: of note the expected fee for this year is about $2,013,\n\nChannel 1: free?\n\nChannel 0: but that's\n\nChannel 1: 9\n\nChannel 0: obviously\n\nChannel 1: dollars.\n\nChannel 0: based on current balance.\n\nChannel 1: Yes.\n\nChannel 0: However, with withdrawing a bit of money added, obviously, means that the fee should be lower.\n\nChannel 1: Yes.\n\nChannel 0: Moving forward, obviously, you pay 1.65% per annum for our ongoing service fee. It is deducted in smaller monthly increments there. But moving forward, we're gonna have more of a tiered structure. So once your super balance hits over 200,000, then you drop down to the next tier, and it goes\n\nChannel 1: Yes.\n\nChannel 0: from 1.65% to 1.375%. So,\n\nChannel 1: Yes.\n\nChannel 0: essentially, as your balance increases, you'll drop down each tier. And\n\nChannel 1: Yes.\n\nChannel 0: as of next year, we won't have the like, the fee itself will be a set dollar figure fee. So we'll work out the fee based on the balance and have it set as a set\n\nChannel 1: Yeah.\n\nChannel 0: dollar figure\n\nChannel 1: Sure.\n\nChannel 0: fee to give you a little bit more consistency and a bit of, you know, understanding of exactly what you'll pay for our services for the year. But\n\nChannel 1: Yep.\n\nChannel 0: because you're an ongoing client, there's no additional charges for us going to and doing the TWA and things like that for you as\n\nChannel 1: Yep.\n\nChannel 0: well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Easy. Do you any questions for any of those documents? I know you've seen a few of them now, so you're probably\n\nChannel 1: No. Not\n\nChannel 0: pretty\n\nChannel 1: real.\n\nChannel 0: blessed.\n\nChannel 1: Not I'm I'm I'm just quickly I'm looking at them going, yeah. This is all the same stuff that you\n\nChannel 0: It\n\nChannel 1: did\n\nChannel 0: is.\n\nChannel 1: last time. So yeah.\n\nChannel 0: It is. Yeah. Beautiful. Well, so once you're happy with that, I'll get you to sign and return those back there for me. I'll get that transaction with that advice done up nice and quick this afternoon to withdraw that 10%.\n\nAnd as soon as that is signed and returned back, we can have that processed for you.\n\nChannel 1: Yep.\n\nChannel 0: So just sort of double checking any additional any other details that might have kinda changed within the last sort of couple of months at all.\n\nChannel 1: No. Nothing's\n\nChannel 0: Income, everything's still fairly well the same. You haven't got a pay rise at all?\n\nChannel 1: changed. No. Well, there is an EBA negotiation going on\n\nChannel 0: Yeah.\n\nChannel 1: until that that I think that they may have signed off on it, but I'm not sure yet. It just becomes all confusing.\n\nChannel 0: Okay.\n\nChannel 1: So\n\nChannel 0: Yeah.\n\nChannel 1: yeah. But once\n\nChannel 0: No.\n\nChannel 1: that\n\nChannel 0: That's\n\nChannel 1: happens,\n\nChannel 0: okay.\n\nChannel 1: I'll, yeah, do that. I've sent that your document will be you will get the signed document by email.\n\nChannel 0: Yep.\n\nChannel 1: So I've done\n\nChannel 0: Beautiful.\n\nChannel 1: it.\n\nChannel 0: Excellent. Thank you so much.\n\nChannel 1: Yeah.\n\nChannel 0: I've got that back. Appreciate that. Thank you, Craig. Easy done.\n\nChannel 1: No worries.\n\nChannel 0: Beautiful.\n\nChannel 1: So yeah. No. Everything else has changed. And nothing\n\nChannel 0: It's\n\nChannel 1: else\n\nChannel 0: all\n\nChannel 1: has changed.\n\nChannel 0: going well.\n\nChannel 1: Of course, the address will change, and that'll happen. I'll give you that to you once we get somewhere.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Nothing no. Sorry. I'm pretty goring like that. Nothing changes in my\n\nChannel 0: No.\n\nChannel 1: life.\n\nChannel 0: That's\n\nChannel 1: I like it\n\nChannel 0: absolutely\n\nChannel 1: that way.\n\nChannel 0: fine. Look. Honestly,\n\nChannel 1: Yeah.\n\nChannel 0: boring isn't always bad. I kind of like boring every now and then. As we get older, it gets nicer.\n\nChannel 1: Exactly. Exactly. Yeah. No. Also.\n\nExcellent.\n\nChannel 0: All good. That's okay. No problem at all. The last\n\nChannel 1: Perfect.\n\nChannel 0: thing I just wanted to sort of clarify and go through is just that risk profiling. So you are in kinda that growth environment at the moment, which is at 80\n\nChannel 1: Yeah.\n\nChannel 0: percent in those growth assets. Did you wanna kind of look at altering your risk profile? Are you still sort of happy with where things are at, taking\n\nChannel 1: I'm\n\nChannel 0: a bit more\n\nChannel 1: I'm\n\nChannel 0: risk in the market? Or\n\nChannel 1: I'm I'm no. I'm more than happy the way things are going. I've been looking\n\nChannel 0: Yeah.\n\nChannel 1: at the hub 24 stuff that comes through, and I'm just sort of like, yeah. You know what? I'd rather be safe than sorry because just that we still don't know what's happening around the place\n\nChannel 0: Yeah.\n\nChannel 1: around the\n\nChannel 0: Yeah.\n\nChannel 1: world. So I'd rather not take that not take any risks at all. I'll just sort of keep the way I am. I think it's well, it's been working for me. So why why change something?\n\nIt's not broken, so let's not change it.\n\nChannel 0: Yep. Yep. So staying in the same risk profiling. No problem\n\nChannel 1: Yeah.\n\nChannel 0: at all. We can definitely sort of look at that down the track as well.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: And\n\nChannel 1: Pretty sure.\n\nChannel 0: sort of looking at we sort of originally also had that you're wanting to retire around about age 67. Is that still\n\nChannel 1: Yes.\n\nChannel 0: sort of your\n\nChannel 1: Yeah.\n\nChannel 0: goal\n\nChannel 1: That's\n\nChannel 0: moving forward?\n\nChannel 1: yeah. I think so. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: I mean, if any\n\nChannel 0: Yep.\n\nChannel 1: changes, of course, I will let you know. But, yeah, I'm\n\nChannel 0: Yes.\n\nChannel 1: thinking if we get they're talking about us getting 28% pay rise over three years. So\n\nChannel 0: Okay.\n\nChannel 1: I'm thinking I might I'll just kinda see how that looks because when they say that, it never actually it doesn't seem to like, your hourly rate goes up about $2 or something like that or something. But they reckon that\n\nChannel 0: Yeah.\n\nChannel 1: she got up around about $8. So\n\nChannel 0: Yes.\n\nChannel 1: I'll look that and see what my I'll see what I'm getting, and then\n\nChannel 0: Yes.\n\nChannel 1: I might do the chucking, like, a 100 across or 200 across into the sub into the Hub account.\n\nChannel 0: Yeah. Okay. No\n\nChannel 1: But\n\nChannel 0: worries\n\nChannel 1: that's\n\nChannel 0: to\n\nChannel 1: something\n\nChannel 0: look at\n\nChannel 1: I think we could talk about because I think there's a certain advantage. If I do it salary sacrifice, if\n\nChannel 0: yep.\n\nChannel 1: it why wouldn't I have to pay tax? Or I can't can't leave leave less tax if I'm depositing.\n\nChannel 0: Yes. Yes.\n\nChannel 1: Yeah.\n\nChannel 0: So it is more salary sacrifices like a pretax deduction. So\n\nChannel 1: Yeah.\n\nChannel 0: your employer, the same as if they do your normal employer contributions, is deducted out of your income, and then your\n\nChannel 1: Yeah.\n\nChannel 0: income tax is worked on that. It does also have the effect of lowering, like, your take home pay as well, but we can always look at what you're comfortable with. Did you want us to maybe, when we touch base and do a catch up in February and March, we reassess maybe the contributions then and see how things are tracking for you and\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: maybe\n\nChannel 1: Let's\n\nChannel 0: look at that then?\n\nChannel 1: yeah. Let's look at that. It just should be all signed off by then while one would hope.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful.\n\nChannel 1: So yeah.\n\nChannel 0: Beautiful.\n\nChannel 1: We'll look\n\nChannel 0: And\n\nChannel 1: at\n\nChannel 0: much\n\nChannel 1: that then,\n\nChannel 0: yeah.\n\nChannel 1: I think.\n\nChannel 0: Abs absolutely. And I do apologize. I made a mistake before. With the risk profiling, you're in that sort of balanced area, so you\n\nChannel 1: Yep.\n\nChannel 0: are\n\nChannel 1: There.\n\nChannel 0: very much in that lower risk kind of environment.\n\nChannel 1: Yep.\n\nChannel 0: It's around about sort of 60% in those growth investments, so we're still holding around about 40% in defensive lower risk environment sort of area. And\n\nChannel 1: Yes.\n\nChannel 0: it suits someone who's got about three year time horizon, so it still suits your environment. It\n\nChannel 1: Yes.\n\nChannel 0: is still getting really good income. And when I kind of look at how the investments have sort of provided over the last couple of even the last few years, since you're coming onboard in 2023, you've\n\nChannel 1: Yes.\n\nChannel 0: made an overall over the three years 30.68% as a return. So\n\nChannel 1: Yeah.\n\nChannel 0: that's\n\nChannel 1: We\n\nChannel 0: essentially\n\nChannel 1: right.\n\nChannel 0: worked out to be a bit bit over 10% per year, so it's pretty good.\n\nChannel 1: Yeah. I'm happy with that. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Because I\n\nChannel 0: Beautiful.\n\nChannel 1: know I know I know I know I know you guys keep an eye on what's happening. If you find something\n\nChannel 0: Absolutely.\n\nChannel 1: else, something better, you will go, Craig, we can do this, or here we go. Yeah. Thanks. Oh,\n\nChannel 0: Absolutely.\n\nChannel 1: yeah.\n\nChannel 0: Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: That's what you have me here for. No. It's perfectly fine.\n\nChannel 1: Yep.\n\nChannel 0: Is there any other goals that you're sort of looking to achieve in the next couple of years that you kinda wanted me to note down as well, or is it just getting this money out moving and then we'll focus on other things?\n\nChannel 1: Yeah. I think it's about just focusing on the moving first and then see where we're at. I mean, ultimately, we'll probably move back to Queensland.\n\nChannel 0: Yep.\n\nChannel 1: But, yeah, I'm just sort of there's a lot of things happening with mom and my mother and father and stuff like that. So I'm sort of gonna try and manage\n\nChannel 0: Yeah.\n\nChannel 1: their health. So\n\nChannel 0: Yes.\n\nChannel 1: there's a lot of all that stuff, though, yeah, which is good. Not good,\n\nChannel 0: Yeah.\n\nChannel 1: but it's good that, yeah, I haven't got any long term goals at the moment.\n\nChannel 0: No. That's absolutely\n\nChannel 1: But\n\nChannel 0: fine. Not a problem. We'll get this withdrawal sorted for you. And\n\nChannel 1: yeah.\n\nChannel 0: then when we catch up in March, we'll really\n\nChannel 1: Same.\n\nChannel 0: talk about what your longer\n\nChannel 1: Yeah.\n\nChannel 0: longevity goals look like, what your retirement's supposed to look like, and look at what we can do to build that super backup for you\n\nChannel 1: Yeah.\n\nChannel 0: and try\n\nChannel 1: Yes.\n\nChannel 0: to keep it working. So when you do retire, you can draw income and have it last as long as possible. And when you do get to age 67, we'll also talk about, you know, Stantal Inc eligibility and see\n\nChannel 1: Yep.\n\nChannel 0: what we can do there and\n\nChannel 1: Yep.\n\nChannel 0: try to, you know, take a little bit of pressure off your super in those years as well, do a little bit from both Stentalink and super to kinda give you guys a little bit of income.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: For sure.\n\nChannel 0: Beautiful.\n\nChannel 1: That'll that'll be good. Excellent. Beautiful.\n\nChannel 0: Yeah. That's okay. The only thing I just wanna double check, beneficiary wise, I have Peter down here as your beneficiary. Still happy with that?\n\nChannel 1: Yep. Oh, yeah. I suppose so. Yeah. No.\n\nHe just\n\nChannel 0: He\n\nChannel 1: he\n\nChannel 0: can\n\nChannel 1: just\n\nChannel 0: still\n\nChannel 1: walked\n\nChannel 0: have\n\nChannel 1: out.\n\nChannel 0: it all?\n\nChannel 1: Yeah. He can still well, I'm not taking with me. So he can\n\nChannel 0: No.\n\nChannel 1: have it\n\nChannel 0: That's\n\nChannel 1: all.\n\nChannel 0: oh, that's all good. And I've still got it down here. You do have a will power of attorney set up. Oh, that's still appropriate\n\nChannel 1: Yeah.\n\nChannel 0: for your circumstances. Yep.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Excellent. Beautiful.\n\nChannel 1: It's perfect. Excellent.\n\nChannel 0: Fantastic.\n\nChannel 1: Then\n\nChannel 0: Well, I'm\n\nChannel 1: great.\n\nChannel 0: glad everything's going well. I'll get that transaction without advice done up this afternoon. My team will email it through to you so we\n\nChannel 1: Yeah.\n\nChannel 0: can get it signed and sent back, and then I'll\n\nChannel 1: Mhmm.\n\nChannel 0: make sure they action it nice and quickly for you. Okay?\n\nChannel 1: Then excellent. Thank you, Diana. Appreciate it.\n\nChannel 0: That's okay. Thank you\n\nChannel 1: You\n\nChannel 0: for\n\nChannel 1: have\n\nChannel 0: calling\n\nChannel 1: a great\n\nChannel 0: me back.\n\nChannel 1: day.\n\nChannel 0: I hope you too. Thank you so much\n\nChannel 1: Thank\n\nChannel 0: for taking\n\nChannel 1: you.\n\nChannel 0: my call, Craig.\n\nChannel 1: No.\n\nChannel 0: Talk to\n\nChannel 1: No.\n\nChannel 0: you soon.\n\nChannel 1: Stop. Stay\n\nChannel 0: See\n\nChannel 1: up.\n\nChannel 0: you later.\n\nChannel 1: Bye.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hi, Craig.","start":1.92,"end":2.56,"sentiment":"neutral","sentiment_score":0.12232130020856857},{"text":"This is Dana.","start":2.56,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.14644725124041238},{"text":"How are you this afternoon?","start":3.1999998,"end":4.42,"sentiment":"neutral","sentiment_score":0.26183159053325655}],"sentiment":"neutral","sentiment_score":0.1993142306804657,"channel":0,"num_words":10,"start":1.92,"end":4.42},{"sentences":[{"text":"Good.","start":4.72,"end":4.88,"sentiment":"positive","sentiment_score":0.5298148393630981},{"text":"Thank you, Diana.","start":4.88,"end":5.6,"sentiment":"positive","sentiment_score":0.5540531476338705},{"text":"How are you?","start":5.6,"end":6.0,"sentiment":"positive","sentiment_score":0.35397273302078247},{"text":"Sorry I missed 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all.","start":9.12,"end":10.16,"sentiment":"positive","sentiment_score":0.46023879448572796},{"text":"I was just about to text you, actually, to go, hey.","start":10.16,"end":12.24,"sentiment":"neutral","sentiment_score":0.23442932963371277},{"text":"Is this me?","start":12.24,"end":12.88,"sentiment":"neutral","sentiment_score":0.10145168999830882}],"sentiment":"neutral","sentiment_score":0.28717932632813853,"channel":0,"num_words":24,"start":7.44,"end":12.88},{"sentences":[{"text":"Give me a callback when you're free.","start":12.88,"end":14.32,"sentiment":"neutral","sentiment_score":0.19934861361980438},{"text":"It's 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Dana discusses the customer, Craig,'s retirement plans with him and explains the process for transferring funds. They confirm his retirement plans are still working and that he will keep him updated on progress. They also discuss the retirement of Craig's super fund and the fees involved. The representative offers to follow up with Craig in a few months and provides information on the retirement plan and fees involved. They also discuss risk profiling and the customer's health and beneficiary information. The retirement plan is deducted in smaller monthly increments and the fee is set at 1. camp. The representative suggests looking at the customer's contributions and retirement plans to determine their risk profile and assures them that their retirement plans will be processed and their power of attorney will be addressed."},"intents":{"segments":[{"text":"Craig, I had you booked in to go through your annual review there, but it also looks like you're wanting to sort of access some funds again now for the new financial year.","start_word":118,"end_word":150,"intents":[{"intent":"Access funds for financial year","confidence_score":0.043279026}]},{"text":"If you click on the button, it'll take you through so you can see each of the documents there. The first one is giving you your balance. So your balance in the account now, we're sitting at 116,227. Yep.","start_word":333,"end_word":371,"intents":[{"intent":"Update documents","confidence_score":0.0011692756}]},{"text":"It takes a little bit of time to open up the pension account for the Yep. transfer, but as soon as that happens, we'll make sure those funds are drawn down to your bank account nice and quickly.","start_word":629,"end_word":666,"intents":[{"intent":"Transfer funds","confidence_score":0.15179582}]},{"text":"It takes a little bit of time to open up the pension account for the Yep. transfer, but as soon as that happens, we'll make sure those funds are drawn down to your bank account nice and quickly. Yep.","start_word":629,"end_word":667,"intents":[{"intent":"Open pension account","confidence_score":0.74550325},{"intent":"Set up withdrawal","confidence_score":0.0022978287}]},{"text":"Do you want do you want me to sign this document that you sent through?","start_word":681,"end_word":695,"intents":[{"intent":"Sign document","confidence_score":0.7635778}]},{"text":"So we're sort of moving slowly. Our lease doesn't expire until the September 13, but Yep. we're now on periodic lease. So Okay.","start_word":820,"end_word":842,"intents":[{"intent":"Move slowly","confidence_score":0.13203035}]},{"text":"we're just going through what we need to do to find places. We're not we don't wanna push ourselves because it becomes you you know, you just become all all caught up in all the pushing off it. But, yeah, I'd rather get it there so it's sitting in there and I know it's there and you just go bang bang bang and it's all done. Yes.","start_word":843,"end_word":909,"intents":[{"intent":"Find places","confidence_score":0.9051364}]},{"text":"That's not a problem at all. I'll make sure that it gets done nice and quickly Absolutely.","start_word":912,"end_word":928,"intents":[{"intent":"Make sure balance is done","confidence_score":0.026151784}]},{"text":"So I can get my team to give you a call maybe February, and we book that in for either February or March depending on your availability. 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So Yep.","start_word":1471,"end_word":1482,"intents":[{"intent":"Seek consent","confidence_score":0.0020903363}]},{"text":"is the ongoing fee agreement for us. Yes.","start_word":1485,"end_word":1492,"intents":[{"intent":"Confirm fee agreement","confidence_score":0.2625807}]},{"text":"Moving forward, obviously, you pay 1.65% per annum for our ongoing service fee. It is deducted in smaller monthly increments there. But moving forward, we're gonna have more of a tiered structure. So once your super balance hits over 200,000, then you drop down to the next tier, and it goes Yes. from 1.65% to 1.375%.","start_word":1537,"end_word":1592,"intents":[{"intent":"Automate payment structure","confidence_score":0.00026842984}]},{"text":"Do you any questions for any of those documents?","start_word":1705,"end_word":1713,"intents":[{"intent":"Address client concerns","confidence_score":0.0002819309}]},{"text":"thing I just wanted to sort of clarify and go through is just that risk profiling. So you are in kinda that growth environment at the moment, which is at 80 Yeah.","start_word":2049,"end_word":2080,"intents":[{"intent":"Clarify risk profiling","confidence_score":0.30732256}]},{"text":"sort of looking at we sort of originally also had that you're wanting to retire around about age 67. Is that still Yes.","start_word":2251,"end_word":2273,"intents":[{"intent":"Determine retirement goal","confidence_score":0.024768068}]},{"text":"thinking if we get they're talking about us getting 28% pay rise over three years. So Okay.","start_word":2305,"end_word":2321,"intents":[{"intent":"Review salary increases","confidence_score":0.006727245}]},{"text":"And when I kind of look at how the investments have sort of provided over the last couple of even the last few years, since you're coming onboard in 2023, you've Yes. made an overall over the three years 30.68% as a return. 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Give me a callback when you're free.","start_word":33,"end_word":53,"sentiment":"neutral","sentiment_score":0.19519545137882233},{"text":"It's all good.","start_word":54,"end_word":56,"sentiment":"positive","sentiment_score":0.4613125026226044},{"text":"Yes. Good. I thought I looked No. at the All time. good. I oh my god. You're honestly fine. How's your day been so far? Yeah. Good. I'm eventful real. Oh, well, eventful but pain painful at the same time. Just computer web Oh, work no. wouldn't wouldn't wouldn't work. But Oh, no. that's alright. You poor thing. No. All good. Craig, I had you booked in to go through your annual review there, but it also looks like you're wanting to sort of access some funds again now for the new financial year. Looks like you're moving. Is that right? Yes. That's correct. Yep. So and you know what it takes. You know, I have to transfer you and bond across, and then you got your moving fees after thirteen years in this place where decided to move. Yeah. So yeah. So all that sort of stuff that all those little things that don't count. Yeah. No. Understandable. So just with the withdrawal, are you sort of needing the funds fairly quickly? Are you wanting us to process that transfer time strategy again as a Yep. transaction without advice so you can get the money fairly quickly? Yep. I think it's exactly Yep. the same as what Beautiful. we did last time. Yes. Yep.","start_word":57,"end_word":271,"sentiment":"neutral","sentiment_score":0.025735702365636826},{"text":"Fantastic.","start_word":272,"end_word":272,"sentiment":"positive","sentiment_score":0.4226800203323364},{"text":"No problem at all. Now the balance sitting in the account there, I have also sent through the interview documents to you. Are you able to access your emails? If you can't at the moment, that's okay. Just Yeah. so I I can. can go There we you're are. right. Signature the signature request. Got it. That's the one. Yes. If you click on the button, it'll take you through so you can see each of the documents there. The first one is giving you your balance. So your balance in the account now, we're sitting at 116,227. Yep. So you're fairly well versed in how the TTR side of things works. Yep. We can transfer essentially all except 10,000 plus the tax liability. Now Yep. at the moment the moment the tax liability was sitting at or tax liability is actually a minus 1,581. So it looks like we should be able to just leave, say, 10,000 behind in the accumulation phase and transfer Yep. the rest across for you. Yep. So just to give you a bit of an idea, are you wanting to access the full 10% of that transfer balance like Yep. you normally Yep. do? Yep. Yep.","start_word":273,"end_word":474,"sentiment":"neutral","sentiment_score":0.07271722674664885},{"text":"That'll be great. Beautiful.","start_word":475,"end_word":478,"sentiment":"positive","sentiment_score":0.5186901688575745},{"text":"So we got a $11,622.07. We'll leave 10,000 behind. Easy. So it's essentially about a 106,227 given Yes. current market conditions. Yes. And then 10% of that is roughly oh, shit. Sorry. My bad. My computer is having a moment. Sorry about that. It went, oh, snap. I was like, oh my gosh. What is it doing? Yes. 1 06227. So it's about 10,622 that you're able to access. Is that enough? Yes. That's fine. Yeah. 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It will just run through the normal side of things, the risks, noting that we're withdrawing the funds. They're no longer gonna be in super. It takes a little bit of time to open up the pension account for the Yep. transfer, but as soon as that happens, we'll make sure those funds are drawn down to your bank account nice and quickly. Yep. Yep. Are Do you you want me happy to do you you alright? sorry. Do you want do you want me to sign this document that you sent through? I do, but not just yet. I wanted to run Okay. you through a couple of things Yep. first. I never want you to sign anything you haven't read, so I'll just take you through it. Easy. Are you happy with us using the bank account that we used last time for the last withdrawal? Perfect. Yeah.","start_word":602,"end_word":752,"sentiment":"neutral","sentiment_score":0.028059374726075212},{"text":"Beautiful. Excellent. I'll get that sorted for you today.","start_word":753,"end_word":761,"sentiment":"positive","sentiment_score":0.5413099527359009},{"text":"Not a problem at all.","start_word":762,"end_word":766,"sentiment":"neutral","sentiment_score":0.20628085732460025},{"text":"Thank you so much, Craig.","start_word":767,"end_word":771,"sentiment":"positive","sentiment_score":0.40896669030189514},{"text":"And so when are you moving? Well, we've got it's been it's been one of those horrible weekends. We have to have our dog euthanized on Saturday Oh. because Oh, I'm so he had sorry. cancer, and it it took three weeks. So it's sort of everything's quick. So we're sort of moving slowly. Our lease doesn't expire until the September 13, but Yep. we're now on periodic lease. So Okay. we're just going through what we need to do to find places. We're not we don't wanna push ourselves because it becomes you you know, you just become all all caught up in all the pushing off it. But, yeah, I'd rather get it there so it's sitting in there and I know it's there and you just go bang bang bang and it's all done. Yes. Absolutely. No. That's not a problem at all.","start_word":772,"end_word":917,"sentiment":"neutral","sentiment_score":-0.02583622559905052},{"text":"I'll make sure that it gets done nice and quickly Absolutely.","start_word":918,"end_word":928,"sentiment":"positive","sentiment_score":0.4152866303920746},{"text":"Yeah.","start_word":929,"end_word":929,"sentiment":"neutral","sentiment_score":0.31943660974502563},{"text":"I also had so you've got your balance there, which is great.","start_word":930,"end_word":941,"sentiment":"positive","sentiment_score":0.419986754655838},{"text":"I did notice when you go to the next page there, you've got your individual investments. So we went through advice earlier in the year, Mhmm. and we had sort Yeah.","start_word":942,"end_word":972,"sentiment":"neutral","sentiment_score":0.1327902508839484},{"text":"of made some changes to the investments within, which is great. When Yep.","start_word":973,"end_word":985,"sentiment":"positive","sentiment_score":0.4044036269187927},{"text":"we kind of look at how everything is performing over the last twelve months with the investment switches and even with the withdrawal that you made earlier this year, you still had a 9.31% return. So Yes. all in all, that shows the growth and the earnings from within that super fund is over $12,454 as a dollar figure.","start_word":986,"end_word":1044,"sentiment":"neutral","sentiment_score":0.2830936014652252},{"text":"So that is Yep. really good. It is showing that the growth at the portfolios are still working, and we did remove that funnel out of there earlier this year and replaced that. So we'll kinda just keep watching that moving forward.","start_word":1045,"end_word":1086,"sentiment":"positive","sentiment_score":0.4573456048965454},{"text":"Yes. I just also wanted to check I'm wanting to make sure I do a bit of a catch up with everyone in the next sort of six months. Did you want me to do a catch up with you maybe Yep. early next year prior to a new review to see how things are going and tracking? Yes. Perfect. Yep.","start_word":1087,"end_word":1147,"sentiment":"neutral","sentiment_score":0.07994556427001953},{"text":"That'll be great. Beautiful. Excellent.","start_word":1148,"end_word":1152,"sentiment":"positive","sentiment_score":0.537004292011261},{"text":"So I can get my team to give you a call maybe February, and we book that in for either February or March depending on your availability. How does Yep. that sound? 30. Yeah. Yep. Easy.","start_word":1153,"end_word":1188,"sentiment":"neutral","sentiment_score":0.15675300359725952},{"text":"Fantastic.","start_word":1189,"end_word":1189,"sentiment":"positive","sentiment_score":0.4673774242401123},{"text":"In that email there, the next couple of documents along are just the regular ones we send, the Vanguard index chart, which shows you how Yeah. being in the market can sort of provide greater growth long term. And then we've also got the financial services guide. You've had a few of those now that just Yeah. outlines everything about who we are, what we do, and how we Yeah. do it. It's got a lovely glossy picture of me in there for you as well. Yeah. I can't see that I can't see that email. I'm looking trying to find out. Can't. I've got to sign document, but Yeah. there's nothing Press to on the press on the sign document, and it should take you through. So I document and I Yep. I'm looking at it. Is it there's a The button the that goes next or the there's a, next like, document. a you can scroll Yep. through them? Yeah. So that's the the hub 24. Is it the hub 241? I mean oh, I don't Yes. get it. Yes. Maybe That's if the I go. last that's the last one attached. Is it letting you scroll up and down through it? Normally, there's, like, a a button you can press to go to each document, or it lets you scroll up and down through them. No. It's only letting me go through I need the the last one I've got is the Vanguard. Hang on. The next document. Mhmm. Then I've got IP services to go oh, Yep. yeah. Sorry. That's I the haven't financial been scrolling. services guide. No. Yeah. You're Yep. fine. Yep. You're Yep. fine. The last one attached is that have 24 consent forms. So Yep. that Yep. is the ongoing fee agreement for us. Yes. It does Is sort it of note the expected fee for this year is about $2,013, free? but that's 9 obviously dollars. based on current balance. Yes. However, with withdrawing a bit of money added, obviously, means that the fee should be lower. Yes. Moving forward, obviously, you pay 1.65% per annum for our ongoing service fee. It is deducted in smaller monthly increments there. But moving forward, we're gonna have more of a tiered structure. So once your super balance hits over 200,000, then you drop down to the next tier, and it goes Yes. from 1.65% to 1.375%. So, Yes. essentially, as your balance increases, you'll drop down each tier. And Yes. as of next year, we won't have the like, the fee itself will be a set dollar figure fee. So we'll work out the fee based on the balance and have it set as a set Yeah. dollar figure Sure. fee to give you a little bit more consistency and a bit of, you know, understanding of exactly what you'll pay for our services for the year. But Yep. because you're an ongoing client, there's no additional charges for us going to and doing the TWA and things like that for you as Yep. well. Okay? Yep. Easy. Do you any questions for any of those documents? I know you've seen a few of them now, so you're probably No. Not pretty real. blessed. Not I'm I'm I'm just quickly I'm looking at them going, yeah. This is all the same stuff that you It did is. last time. So yeah. It is. Yeah.","start_word":1190,"end_word":1760,"sentiment":"neutral","sentiment_score":0.0572198816361444},{"text":"Beautiful.","start_word":1761,"end_word":1761,"sentiment":"positive","sentiment_score":0.4104492664337158},{"text":"Well, so once you're happy with that, I'll get you to sign and return those back there for me. I'll get that transaction with that advice done up nice and quick this afternoon to withdraw that 10%. And as soon as that is signed and returned back, we can have that processed for you. Yep. So just sort of double checking any additional any other details that might have kinda changed within the last sort of couple of months at all. No. Nothing's Income, everything's still fairly well the same. You haven't got a pay rise at all? changed. No. Well, there is an EBA negotiation going on Yeah. until that that I think that they may have signed off on it, but I'm not sure yet. It just becomes all confusing. Okay. So Yeah. yeah. But once No. that That's happens, okay. I'll, yeah, do that. I've sent that your document will be you will get the signed document by email. Yep. So I've done Beautiful.","start_word":1762,"end_word":1928,"sentiment":"neutral","sentiment_score":0.04994390532374382},{"text":"it. Excellent. Thank you so much.","start_word":1929,"end_word":1934,"sentiment":"positive","sentiment_score":0.6293309330940247},{"text":"Yeah.","start_word":1935,"end_word":1935,"sentiment":"neutral","sentiment_score":0.3298426866531372},{"text":"I've got that back. Appreciate that. Thank you, Craig. Easy done.","start_word":1936,"end_word":1946,"sentiment":"positive","sentiment_score":0.47393494844436646},{"text":"No worries.","start_word":1947,"end_word":1948,"sentiment":"neutral","sentiment_score":0.2703970670700073},{"text":"Beautiful.","start_word":1949,"end_word":1949,"sentiment":"positive","sentiment_score":0.3876855373382568},{"text":"So yeah. No. Everything else has changed. And nothing It's else all has changed. going well. Of course, the address will change, and that'll happen. I'll give you that to you once we get somewhere. Yeah. Absolutely. Nothing no. Sorry. I'm pretty goring like that. Nothing changes in my No. life.","start_word":1950,"end_word":2000,"sentiment":"neutral","sentiment_score":0.014192315329815828},{"text":"That's I like it absolutely that way.","start_word":2001,"end_word":2007,"sentiment":"positive","sentiment_score":0.4403702914714813},{"text":"fine. Look. Honestly, Yeah. boring isn't always bad. I kind of like boring every now and then. As we get older, it gets nicer. Exactly. Exactly. Yeah. No. Also.","start_word":2008,"end_word":2036,"sentiment":"neutral","sentiment_score":0.019398001953959465},{"text":"Excellent. All good.","start_word":2037,"end_word":2039,"sentiment":"positive","sentiment_score":0.493943065404892},{"text":"That's okay. No problem at all. The last Perfect. thing I just wanted to sort of clarify and go through is just that risk profiling. So you are in kinda that growth environment at the moment, which is at 80 Yeah. percent in those growth assets. Did you wanna kind of look at altering your risk profile? Are you still sort of happy with where things are at, taking I'm a bit more I'm risk in the market? Or I'm I'm no. I'm more than happy the way things are going. I've been looking Yeah. at the hub 24 stuff that comes through, and I'm just sort of like, yeah. You know what? I'd rather be safe than sorry because just that we still don't know what's happening around the place Yeah. around the Yeah. world. So I'd rather not take that not take any risks at all. I'll just sort of keep the way I am. I think it's well, it's been working for me. So why why change something? It's not broken, so let's not change it. Yep. Yep. So staying in the same risk profiling. No problem Yeah. at all. We can definitely sort of look at that down the track as well. Yeah. Yeah. And Pretty sure. sort of looking at we sort of originally also had that you're wanting to retire around about age 67. Is that still Yes. sort of your Yeah. goal That's moving forward? yeah. I think so. Yeah. Yep. I mean, if any Yep. changes, of course, I will let you know. But, yeah, I'm Yes. thinking if we get they're talking about us getting 28% pay rise over three years. So Okay. I'm thinking I might I'll just kinda see how that looks because when they say that, it never actually it doesn't seem to like, your hourly rate goes up about $2 or something like that or something. But they reckon that Yeah. she got up around about $8. So Yes. I'll look that and see what my I'll see what I'm getting, and then Yes. I might do the chucking, like, a 100 across or 200 across into the sub into the Hub account. Yeah. Okay. No But worries that's to something look at I think we could talk about because I think there's a certain advantage. If I do it salary sacrifice, if yep. it why wouldn't I have to pay tax? Or I can't can't leave leave less tax if I'm depositing. Yes. Yes. Yeah. So it is more salary sacrifices like a pretax deduction. So Yeah. your employer, the same as if they do your normal employer contributions, is deducted out of your income, and then your Yeah. income tax is worked on that. It does also have the effect of lowering, like, your take home pay as well, but we can always look at what you're comfortable with. Did you want us to maybe, when we touch base and do a catch up in February and March, we reassess maybe the contributions then and see how things are tracking for you and Yeah. Yeah. maybe Let's look at that then? yeah. Let's look at that. It just should be all signed off by then while one would hope. Yep. Yep.","start_word":2040,"end_word":2585,"sentiment":"neutral","sentiment_score":0.06326565350450221},{"text":"Beautiful. So yeah. Beautiful.","start_word":2586,"end_word":2589,"sentiment":"positive","sentiment_score":0.552986741065979},{"text":"We'll look And at much that then, yeah. I think. Abs absolutely. And I do apologize. I made a mistake before. With the risk profiling, you're in that sort of balanced area, so you Yep. are There. very much in that lower risk kind of environment. Yep. It's around about sort of 60% in those growth investments, so we're still holding around about 40% in defensive lower risk environment sort of area. And Yes. it suits someone who's got about three year time horizon, so it still suits your environment.","start_word":2590,"end_word":2679,"sentiment":"neutral","sentiment_score":0.1388519063591957},{"text":"It Yes. is still getting really good income. And when I kind of look at how the investments have sort of provided over the last couple of even the last few years, since you're coming onboard in 2023, you've Yes. made an overall over the three years 30.68% as a return. So Yeah. that's We essentially right. worked out to be a bit bit over 10% per year, so it's pretty good. Yeah. I'm happy with that.","start_word":2680,"end_word":2756,"sentiment":"positive","sentiment_score":0.4183613955974579},{"text":"Yeah. Yeah. Because I Beautiful. know I know I know I know I know you guys keep an eye on what's happening. If you find something Absolutely. else, something better, you will go, Craig, we can do this, or here we go. Yeah. Thanks. Oh, Absolutely. yeah. Absolutely. Yeah. That's what you have me here for. No. It's perfectly fine. Yep. Is there any other goals that you're sort of looking to achieve in the next couple of years that you kinda wanted me to note down as well, or is it just getting this money out moving and then we'll focus on other things? Yeah. I think it's about just focusing on the moving first and then see where we're at. I mean, ultimately, we'll probably move back to Queensland. Yep. But, yeah, I'm just sort of there's a lot of things happening with mom and my mother and father and stuff like that. So I'm sort of gonna try and manage Yeah. their health. So Yes. there's a lot of all that stuff, though, yeah, which is good. Not good, Yeah. but it's good that, yeah, I haven't got any long term goals at the moment. No. That's absolutely But fine. Not a problem. We'll get this withdrawal sorted for you. And yeah. then when we catch up in March, we'll really Same. talk about what your longer Yeah. longevity goals look like, what your retirement's supposed to look like, and look at what we can do to build that super backup for you Yeah. and try Yes. to keep it working. So when you do retire, you can draw income and have it last as long as possible. And when you do get to age 67, we'll also talk about, you know, Stantal Inc eligibility and see Yep. what we can do there and Yep. try to, you know, take a little bit of pressure off your super in those years as well, do a little bit from both Stentalink and super to kinda give you guys a little bit of income. Yeah. Yeah. For sure.","start_word":2757,"end_word":3105,"sentiment":"neutral","sentiment_score":0.09361894157605732},{"text":"Beautiful. That'll that'll be good. Excellent. Beautiful.","start_word":3106,"end_word":3112,"sentiment":"positive","sentiment_score":0.5179864764213562},{"text":"Yeah. That's okay. The only thing I just wanna double check, beneficiary wise, I have Peter down here as your beneficiary. Still happy with that? Yep. Oh, yeah. I suppose so. Yeah. No. He just He he can just still walked have out. it all? Yeah. He can still well, I'm not taking with me. So he can No. have it That's all. oh, that's all good. And I've still got it down here. You do have a will power of attorney set up. Oh, that's still appropriate Yeah. for your circumstances. Yep. Yeah. Yeah.","start_word":3113,"end_word":3207,"sentiment":"neutral","sentiment_score":0.05224807932972908},{"text":"Excellent. Beautiful. It's perfect. Excellent. Fantastic. Well, Then I'm glad great. everything's going well.","start_word":3208,"end_word":3221,"sentiment":"positive","sentiment_score":0.5531681776046753},{"text":"I'll get that transaction without advice done up this afternoon. My team will email it through to you so we can Yeah. get it signed and sent back, and then I'll Mhmm. make sure they action it nice and quickly for you. Okay?","start_word":3222,"end_word":3264,"sentiment":"neutral","sentiment_score":0.2385931760072708},{"text":"Then excellent. Thank you, Diana. Appreciate it. That's okay. Thank you You for have calling a great me back. day. I hope you too. Thank you so much Thank for taking you.","start_word":3265,"end_word":3296,"sentiment":"positive","sentiment_score":0.6598696708679199},{"text":"my call, Craig. No. Talk to No. you soon. Stop. Stay See up. you later. Bye. Bye. Bye.","start_word":3297,"end_word":3314,"sentiment":"neutral","sentiment_score":0.012431382201611996}],"average":{"sentiment":"neutral","sentiment_score":0.10610508746801416}}}}