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You're looking to come back on board as a client, fix some plans for advice. Is that right? Yes. Fantastic. Is now still a good time for our catch up to run through things? So fantastic. Before I jump into the call, Jared, I just have to let you know we do record our calls for quality and training purposes. Are you happy with for ask for the with that? Fantastic. And I just wanna make sure because we are going through your personal information that I do security as well. I just need to confirm your full name, your address, date of birth I should have on file. Yep. Yep. Beautiful. Legend. Thank you so much for that. How's your week been so far? Yes. That's that's good news. Is it weekend off? Yeah. Some down time to rest. I like it. No. All good. Well, I know you've been speaking with my colleague, Maddie, there. Kinda gone through and done all the research there for you. So I'm not sure if we've spoken before, but my name is Dana, and I'm one of the financial advisers here at OC Financial. So I'll be the one putting the advice together and doing the research there for you. With my part of the call today, just gonna run through a bit more about your goals, have a bit of a look at what you've got currently. She's given me a lot of research to go with, which is fantastic. I will have a chat about sort of re onboarding what that looks like, what you're after with regard to financial advice, and then I'll go back and do some research and put the plan together to see how we can help you moving forward. How does that sound? Fantastic. So, firstly, just wanted to touch base. Now one of the things I do have here at the moment, and and I do apologize, I can see here that you are separated, and I believe going through a divorce is not quite finalized. Is that right? Okay. Perfect. So just having a look at that. Now where are you sort of up in that price we're up to in that process of going through the divorce and the finalization separation of assets? Where are you guys up to with that at the moment? Okay. Okay. Okay. Yep. Yeah. Yeah. Absolutely. No. I completely understand. It was a lot that you're dealing with at the moment. I'm so sorry you're going through that. When it comes to the house, is this something do you know sort of what what the plan is moving forward or what may happen to the house once you kinda go through the separation of assets? Mhmm. Okay. Yep. No. That's okay. And is there any likelihood that maybe your system might end up being split as well, or is that sort of Yep. Okay. Yep. No. That's okay. Not a problem at all. Just so when I'm looking at the advice and doing the research, I kind of understand where things are going and what what, you know, could change in the future just so we can kind of factor that in for you as well and note that that could be a a bit of a change in your circumstances. Perfect. Thank you for giving that information. I know you're going through a lot. And, again, I'm so sorry you're going through this. Hopefully, it's all finalized for you fairly soon. Yeah. Absolutely. Look. I am divorced, so I understand exactly what you're going through. It's gonna be a really rough time, and there's a lot of back and forth and very costly as well. So, yeah, I understand. All good. Well, let's have a little bit of a chat about your goals there. So with your statement, somebody was able to get a statement for me. I'm having a bit of look at the assets in there at the moment. I can definitely see some changes that could be good to update your portfolio. It is definitely one of the older portfolios that we would have had a few years back around about 2324. So I can definitely see some changes that would be good to make and kind of build in your portfolio, especially as you're expecting that $10,000 to be, you know, removed out of the super fund there as well. So a way that we can kind of make that money back nice and quick once that split has gone through for you, or ways that we can look to build that $10,000 up prior to leaving your super fund so it kinda leaves you with as little an impact as possible, essentially. Excellent. When you're looking at your super now having a look at things from over, you're really young. You're about 38. Do you know what age you are hoping to be able to maybe retire at this super? Sorry. No. No. That's okay. So to give you a little bit of context there, when you think about the age to retire, at the moment, the legislators, the earliest we can access is age 60. We are fully retired. The other option is if you work past 60 at age 65, regardless of whether you're working or not, they do allow you full access to your super tax rate or 67. Now that that you and I have as much of a chance at it, at the moment, 67 is the age to access the age pension through Centrelink. So do you think you wanna work a bit longer past 60, or you're sort of hoping that that might be the time you'll be able to enjoy the rest of it? Is that your retirement years and travel? Yeah. Yeah. Beautiful. That is that's okay. It'll give me something to work towards, which is great. The other thing I do kinda like about using the age of 60 for you is that it essentially gives you a starting point. It means that we're working on the earliest possible age to access safer, and then it gives you an option. You can continue to work if you want to, or you can stop working or maybe sort of do a little bit of both into that transition to retirement sort of side of things from 60 to 65. So it does give you options by working that way, and it means that we're working on an earlier goal. So we wanna make things work a bit harder for you earlier on. Does that make sense? Yep. Beautiful. Now you probably haven't thought much about what kind of income you might be looking at. But, realistically, do you think there's a set maybe income in today's dollars you'd be comfortable living on in retirement, or did you want me just to kind of work on replacing your current income amount? What do you think you'd like me to work as a goal for income in retirement? That's it. That's it. Yep. Beautiful. Let's work on the higher amount there. Yeah. Absolutely. Fantastic. Look. I'm gonna ask you every question you probably never thought of answering, and that's okay if you've never thought of it before. We can always talk it through. Having a look at sort of your season and what you're after there, one of the things we do kind of wanna look at is, like, contributions and how come to you as contributions. Now income wise, I can see here that you are a draft from my trade, and you're working as a pay y d employee at the moment. But you've also got your own business at the moment. Is that right? Yep. Beautiful. Are you making any additional contributions to super over and above the employer contributions currently? No. That's okay. How does I know you've you've got a lot of expenses at the moment with everything you're sort of dealing with, but is additional contributions something that you're comfortable looking at, or would you rather put that on the back burner than now knowing everything you're sort of working on? Good. Yep. Yes. Okay. Right. Yes. You're fine. No. You're fine, Darryl. Do you need a second to go and sort that out? I don't mind holding. It's not an issue. You're okay? X oh, she sounds adorable. How old are your kids? Wow. Wow. The teenagers and the the preteen stage. Well, 14. That's high school. That's crazy. They grow up so fast that day. No. All good. Perfect. Well, I've got a really good idea of what you're sort of looking for with the way of super. I'll put additional contributions on the back burner, and we can maybe look at that down the track when things settle down a bit for you. With the the other thing I do as well that we use, baby, is just how your risk profile fits. So I do have a couple of questions to run through with as a risk profile just to kinda gauge where you are sitting risk wise and what kind of portfolio I should look at kind of changing and altering in your super for you. These are about 14 multiple choice questions, but I run through them fairly quickly, and we can skip a few here and there as well. Okay? Excellent. The first one here, it says, how would you rate your willingness to take on financial risk? Do you consider yourself a very high risk taker, just a high risk taker, an average or medium risk taker, or a very low risk taker? Where would you see yourself comfortably sitting? Hi, beautiful. Did you say hi, beautiful. The next one here is how familiar are you with investment markets? Have you ever invested before? No. That's okay. And would you say because you've never had investment in your own personal name that you are fairly comfortable with not having some investment knowledge? You're aware that markets do fluctuate and go up and down. You might have a good grasp that you're still learning or a bay basic understanding of investment market, where would you see yourself sitting in that category? No. That's okay. Yes. Well, I will more than happily teach you. No need to worry. We're still having a look at your super and, you know, having dealt with us over the last couple of years. Where would you sort of say do you what would you say you have been able to understand or learn with you know, been able to talk to having advisers? And what sort of stuff do you think you may sorry. I'm trying to put the right words. I'm gonna get easier on you. Essentially, where would you would you say that you're comfortable with the you understand markets go up and down, or would you say it's something you want to learn? Yep. Okay. Yeah. Perfect. Perfect. I probably thought you were more of a number three there. It does sort of say have a good market graph that you are still learning. But because you are kind of in that learning phase and wanting to learn more about markets, we are aware they go up and down. You're probably looking at super and seeing it goes to those market fluctuations. I'd probably see you in that sort of middle category. Does that feel comfortable for you? Yes. Beautiful. The next one here is, so how would you describe your experience and understanding of investment market? So, again, you've got here a whole bunch of different options there. With what we've sort of talked about at the moment, I'd probably put you down as an investment novice. You're naturally curious, but also a bit cautious. Would that be fairly comfortable, or would you see yourself more learning the risk versus the water balance and happy to take on a bit more risk? Yes. Yep. Yep. Yep. Yes. Beautiful. It's just that middle category that's sort of where it felt like we were going with the other other question there. So it kind of is that middle range is right sort of where you're starting from, which is absolutely fine. Beautiful. The next one here I can answer for you is asking what is the most aggressive investment you've ever owned. So you do have managed funds and and ETFs in your super currently, so I'll tick that box up for you. The next one's asking about your time horizon for how long you have until you wanna access those funds because you're only 38 this year. You've got a lot of time ahead of you. I'll tick off that more than ten year box to make it easier. The next one here is about inflation. So it basically says inflation means that things are getting more expensive over time. This essentially makes your money worth less. When you think about your super and the level of risk that you're undertaking, are you comfortable taking on a higher level of risk to try and get the greater potential returns knowing there is also a downside at times? Are you happy in that more moderate or medium amount of risk to take to get the best returns possible, or are you not comfortable taking on risk and other returns are lower because of that? Where do you see yourself busy? And you can go in between if you want. Yep. Yep. Yep. Beautiful. The next one here, it says investments can go up and down, and this is technically what's called volatility. It says, how much of a drop? So thinking about your current balance, which is about a 161,000 161,683 currently, if you saw that for, say, more than 50%, up to 50%, up to 25%, or up to 10%, How which one of those would start to make you feel more concerned or nervous about what was happening with your super? Yeah. Yep. Absolutely. The next one here is saying if you if in the next, say, six to twelve months so this is a really good example because we have seen those ups and downs, a bit of volatility with everything that's kinda been going on. But if you did sort of see your super four by 20% over the next one to two years, how do you think you might be feeling? Are you thinking it's more of an investment opportunity, might put some more money in and take advantage of the downtime? Are you a bit concerned maybe calling us to see what's sort of going on with it? Or are you feeling like you wanna sell the investments and move the money into, say, cash? Medigate? Yep. Yeah. Absolutely. The next one here is what kind of reasonable rate of return are you hoping to get from your super over the longer term? I'm just gonna pick the first box because we were we wanna get the best out of our super. You've you're only 38 busy. You've got a lot of time ahead of you there, so trying to get the best out of your super and making it work as hard as possible would be the probably the best answer. Are you comfortable with that, or is there anything? Yep. Excellent. The next one here, it says, have you ever seen this super fall in value? If you have in the past, how did this make you feel? Were you feeling optimistic about the investment opportunities ahead? A bit cautious, not wanting to put any more money into it? A bit concerned or feeling very anxious? Yeah. Yep. No. Perfect. That's okay. I'll just I might just tick the box saying a bit cautious because to me, it doesn't sound like you'd be going, hey. Yeah. Cool. It's dropped a little bit. You'd be like, oh, it has dropped. What do we do? Why is it dropped? Is there anything we can kind of do to mitigate that? Does that sound fairly comfortable? Does that sound right? Yes. Beautiful. The next one here is, so how much risk are you willing to take to try and get them return you're after? This sort of relates back to the first couple of questions when we're looking at risk. Are you happy to take on more risk to get the best returns possible? Are you happy with just the higher level of risk to get the best returns you can, a moderate or medium amount of risk to get the best returns you can, or minimal risk knowing the returns are lower? Where do you think you'd feel on that scale? Yep. Beautiful. And the third last one here, it says, what kind of income or what kind of returns are you hoping to get out of your super? So when we think about the different types of returns, we're looking at capital growth, which is a change in the investment prices. Let's say if you own CBA today, it was worth $50. Tomorrow, it's worth a $100. That's $50 of capital growth. The other thing we wanna try and obtain is income. So dividends that are paid out of the investment, paid to your cash account, and it's reinvested back into your portfolio, and that is just with compounding. Do you think when you're thinking about your super, you're looking to get more capital growth, less income, more income, less capital growth, or maybe a balance of the two? Yep. Beautiful. And the second one the second last one here is just have you ever thought about borrowing from a financial institution in order to invest, whether it be stocks and ETFs or buying and investment property? Nope. That's okay. And the last one here is how do you think about borrowing to invest would make you feel? Are you comfortable if you got the right advice to do so knowing there are risks involved? You'd be very cautious about doing it because there are risks involved, very hesitant, or you would never do it. Yep. Yeah. No. That's okay. Do you want to buy more property or invest in properties in the future, or you're not really open to it? Mhmm. Fell down. Yeah. Absolutely. Yeah. Absolutely. No. Completely understandable. Beautiful. Thank you so much for running through that. It's now where you have sort of scored as more of a growth investor. So the way our risk profile fit, you have aggressive, high growth, growth balance, growth and balance. So you're sort of sitting in that middle range there. A a growth investor normally sees about 80% of their super investing growth assets. So these are things like Australian shares, international shares, listed property, and also commodities for precious metals like gold and silver. And then the other 20% in defensive lower risk investments like cash, bonds, and fixed interest. Generally speaking, a growth portfolio is looking to try and achieve about a seven to 9% on a yearly basis, compounding that over time. And, realistically, with the expected volatility in the market, you could see a on a good year, 11% higher than that nine or in the negative years or a lower year, 11% under the seven as well. So that's sort of giving you an idea of where that expected volatility can sort of fit. The growth portfolio generally suits somebody who's got about six years before accessing net funds. You've got more than double that ahead of you before accessing super. And, realistically, because we understand the likelihood of a negative return and we understand volatility, you can expect negative return around about one in every five years. So a growth investor has a strong preference for growth. They can tolerate those market ups and downs, and they're not accessing their suit in the next six years. Does that feel like something you're comfortable with? And do you have any additional questions? You're welcome to let me know if you do. Yep. Beautiful. Realistically, for your age and stage, we would generally see you kind of in that growth or high growth environment. There's about a 10% split between the two, but this is a fairly good middle ground. And, realistically, we kind of hold you in this area for maybe the first year or so, and then if you wanna take on more risk, if comfortable to do that, then we could always bump you up to the next one later on. We can always reduce this this later on if you need to as well. So you don't have to stay here. If you don't want to, we can always move you up and down to the risk profile and alter the portfolio as much as you're comfortable with moving forward. Okay. Beautiful. Excellent. Do you have any questions so far about any of those details or anything we've gone through thus far? No. That's okay. The next thing that's always out of that is you no. That's okay. You're fine. The next thing is the insurances. So at the moment, you've got your account insurance policy. I've got the Pacifica currency in front of you, so I can see what you do definitely have. Now at the moment, paid out of your suit, you've got your life and CBD benefits. Do you understand how these insurances work, what they pay for? Yep. Beautiful. So if in the event of, say, you're passing away, at the moment, you've got your life benefit of 600 and 16,298, and then if you were to also pass away, your super benefit can also be paid out to your beneficiaries as well. So they're looking at roughly a $160,000. So it's giving you just over as a total benefit, I think over $776,000 there, which is great. With the fact that the house could be sold and, you know, you split the proceeds essentially or, you know, your ex partner could get it, meaning you get a little bit extra money there. How would you want that money to be split in the event that you would have passed away? To the kids? Yeah. That's okay. Yep. Beautiful. Now one of the things I do like to sort of talk to you about is the distribution of those sort of funds. So with your circumstances, there are different ways to distribute the funds. Because all of your children are technically still minors, if you were to and they are nominated on your super at the moment as beneficiaries. I do have all three. Yes. So I have all three, so Cooper, Hunter, and Mackenzie, all noted here as the beneficiary. To give you a bit of context, now if you were to pass away, this money isn't directly paid to the children. It's essentially directed to their guardian, and then it is up to the guardian to distribute those funds amongst the children. It doesn't always happen that way. It's just that they can't because they're minors. They can't have the money paid to them, and they can't make the claim themselves. So it's all done through their guardian. That, honestly, would be their mom, who is your ex your ex wife. Are you comfortable still having it paid that way? The other way is you can have it paid to your legal personal representative. That means that on your speaker, we take LPR, and your life insurance, we take LPR. In the event of your passing, it is claimed by your executor of your will, and it goes to your estate. And in your will, you can have set up a trust. You can have set up a whole bunch of different ways to direct money to each of your kids. It can be directed through other family members, through trust. You can have bonds and things set up. There's lots of different ways that you can do it there. Having a will can make that direction of funds to your kids a lot easier, a lot more streamlined, making sure they receive the funds. But it also comes down to your situation, how you feel, what you want to happen, and how that would work for you and your family. How would you like that to sort of be set up? What's comfortable? Yep. Yep. Okay. Perfect. Yep. Beautiful. So I'll make sure that with the estate planning side of things here that we will have LPR set up, and I'll recommend legal personal representative on your life insurance and also your. That way, it can go to your state and be directed as per your wishes. Okay. Beautiful and so easy. And so you do have a will now. Did you do power of attorney as well as part of that? Yep. Beautiful. Beautiful. There we go. Fantastic. I'll just keep those boxes there for you. Fantastic. So it's a life cover cover. You're fairly happy with the level of cover you do have there. Now with TBD, it has the same level of benefit. Do you understand how total permanent disability works? Mhmm. Yep. Yep. That's okay. So with Total Term and Disability, you've got the same level of cover, so 616,000. If you are ever unable to get back to work again due to total incapacity or disability, we can also claim against the super benefits. You can have that released. The only thing I just like to make sure I clarify is that when you do claim on CBD or if you do claim on CBD, if you are under the age of 60 and you withdraw the funds out as a lump sum, that becomes taxable money, and the government can tax it up to 22%. It's horrible. I know it shouldn't be that way in any way at all. But it's just kind of yeah. This is awful. It's horrible. I don't think anyone should be taxed if they're unable to ever go back to work again due to disability. It does not feel right anyway. But we just like to kinda make sure that you're aware of that. Essentially, if you were to ever claim on TDD, we would help provide advice on getting the claim done, but then also what to do with the proceeds. So we can find ways, and we do have some fun cool things that we can do to eliminate or reduce the tax as much as possible, keep the money invested, and maybe draw an income stream down. But do you feel like the level of cover you have with CBD is fairly suitable, you're happy with that level, or did you wanna go back and review that level of cover? Yes. That's okay. Perfect. Excellent. Now the other thing is your income protection benefit. So you're you have a monthly benefit in that of $5,878 currently. Looking at your income of 130,000, you are slightly underinsured there. But it also comes down to whether that would sort of be sufficient for, you know, covering income. So on a monthly basis, if you were getting just over $5,000 on a monthly basis from an income protection claim, would that cover your expenditure? Would you feel comfortable with that? Did you wanna look at increasing or getting a higher amount of income protection? Increasing it? Yep. Beautiful. So with your current income, I've got a 130,000 here. Is that right? That would be what I base it on? Yep. Beautiful. Excellent. And so realistically, so you can cover yourself up to 70% of your income. Would you like me to look at the full 70% of income protection? Yes. Beautiful. It essentially means that you're looking at a monthly benefit of about $7,583 on a monthly basis. So I will have a look at that for you. I can see Maddie's also done a bit of a pre assessment for me, which is great. So I'll go back and review that as part of the research, and then the advice will show how we recommend you increase that, what that looks like, and what the kind of contract you can expect would look like as well. Okay? Excellent. Do you have any questions at the moment? I'm sorry. I do question a lot. Yes. Beautiful. You have. Fantastic. No. That's all good. Now there are other types of personal insurance that you can also have. You can have trauma. Trauma, unlike your life, keep it in income protection. It's not paid before by super. It has to be paid out of your back pocket. Did you wanna look at getting any trauma? You can also get child trauma, which pays out a lump sum benefit in the event that your child is diagnosed with a major traumatic condition or pass the way. Did you wanna look at any of those additional covers? Are you happy with the three you've got? Yep. That's okay. Did you have any questions about any of the additional covers like child trauma or trauma or anything there that you may want to understand or no. That's okay. Absolutely fine. Beautiful. We can always go down the track if you decide you wanna look at additional things. Feel free to let me know. We'll sort of start with just the future and the income protection side of things here at the moment. But down the track, you know, once you've kinda gone through the settlement process and everything kind of, you know, settled for you and you get to sort of work out where you are, expenditure wise, You can also build additional investments, like child bonds and things and putting money away to the kids when they're older, and we can also help with advice from those additional areas for you down the track as well. Okay. Easy. Perfect. Now just confirming, I've got the main primary residence here at the moment. Maggie's got a value here of 540,000 and a rough loan owing of 280,000. Is that still fairly accurate? Yep. Beautiful. I've also got the Land Cruiser and a caravan, both owned by your business. Do you still have those? Yep. Beautiful. I've got the Land Cruiser at a 100,000 and the caravan at 80,000. Is that right for value? Yep. Perfect. And then the home the contents within the home as well, valuation sitting here at about 100,000. Does that still sound accurate? Yep. Fantastic. Is there any other assets or debts or anything you would wanna note down as well? No. That's okay. You're absolutely fine. I've also got it down here that your expenses are around about that 7 to $800 on a weekly basis at the moment and not really saving any money. Is that right? Is that fairly accurate? Yes. Yes. So hey. And with the business, are you set up as it looks like you set up as a company there, but there's not a lot of work at the moment. I can sort of see there's a statement that you were paying yourself contributions from the business, but that's sort of not happening at the moment because it does see the work has dropped off a little bit. Is that right? Yes. No. That's it. That's okay. So that all sort of you'll sort of look at focusing on that a bit more down the track once that settlement stuff has all gone through. Is that what you're sort of thinking? Yep. Yep. Okay. Perfect. I'll just make a note of that here for you. We'll put it down as a goal to sort of reassess that down the track with you to sort of see how that goes, whether you kinda transition back or whether you're happy to stay where you are and you close it down just so we can kinda help with that down the track. Beautiful. Fantastic. I've got so estate planning wise, we're just sort of looking at making sure everything can be directed to your will. Just sort of clarify, income we're looking at income protection to increase that benefit of that to cover you up to 70% of your income. You do have a four week waiting period and a five year benefit period on that policy as well. You're fairly comfortable with that? Did you have any questions around the benefit or waiting period? Not beautiful. We're have to come through with the life and CBD benefits that we do hold at the moment, and just looking at your super working towards the age of 60 for retirement. Access income is around about 1,700 per week currently. That could definitely change. We're looking at being a growth investor, and I'll go back and reassess the super fund as well as the investments within that to keep you in that risk profile, but to see if anything needs to be switched out or changed or updated since you were onboarded originally. Does that sound correct? Have I missed anything at all there? Yeah. Beautiful. We'll hold off on any additional contributions and other advice at the moment. Just a way for you to go through that settlement side of things. Is there any other goals? I know you're down the track. You sort of mentioned, like, to buy property as well. You know, once everything kinda goes through and deciding what to do with the business as well. Is there any other goals down the track that you might have as well? Yeah. Perfect. Where would you like to travel to? I love it. With the kids? Yeah. That's fantastic. That's been I definitely wanna see you do that. That is for sure. Do you think it's something you'd like to do, take the kids with you, or do you think you'd like to just give it a crack on your own and see how you feel? Travel to adult only cases? What are you thinking? Yep. Yep. Perfect. Perfect. I have them here your next of kin is your mom. Are you happy keeping your mom, Angela, down as next of kin on file, or did you wanna change or alter that? That's all good. Yep. Perfect. Excellent. Thank you so much for that. Now just to kinda go through now, I'm not sure how much has Maddie gone through sort of the fees with you and the re onboarding sort of process and how that looks? No. That's okay. So re onboarding means that we are just gonna have to go back through and do a new essentially, a new advice document, go through the research again to kind of re onboard everything. It means updating everything. So we do charge an implementation fee once we kinda go through the advice. That's the same as last time is just charged if you take on the advice, essentially. It comes out of your super at the time that we, you know, receive access to it essentially and start altering the investment. It is 4,950, the implementation fee. And then we do obviously turn our ongoing service fee back on. It is 1.65% the same as it was last time. However, our fee our ongoing fee structure is now changing to a tiered structure. So your it's think of it like the tax system. You have those set tiers in place. So for your balance up to 200,000, it's 1.65%. Once your balance goes over that 200,000, then you drop into the next tier and your ongoing service fee drops to 1.375. And then when your balance is 500,000, it drops into the tier below that, which is 1.10. So the idea of the newer fee structure is that each time your balance increases beyond that tier, you drop into the lower tier, and it ends up being a lower lower percentage for the rest for the next tier down. So the idea is it sort of keeps it a bit there. We also know that as a set dollar figure fee. So one of the things you'll probably remember is we used to give you a estimate on how much that fee was meant to be. We don't do that anymore. We actually work out for the year as a set dollar figure fee how much that will be, And that means that, like, if the way it used to be is if you've got a 20 or, you know, 15 or 20% return, your fee would go up with that. That no longer happens. We essentially work out what tier structure you work in for the ongoing service fee, and then we add 5% growth to that amount, and that's how much you pay for the year. So it gives you a lot more certainty around how much the ongoing service fee is that particularly it. And it also means that the more your balance grows, the lower the fee or the lower the tier is going to be or the lower the percentage within that tier is going to be as well. So it works out to be a lot more favorable for you as a client, but it also means that we're able to charge our ongoing services and keep providing our advice there. Does that make sense? Do you have any questions? That's okay. Beautiful. We wanted to sort of make it fair and changes that worked for our clients and making that step here structure works really well. I'm not sure if you remember the the SDS we used to provide. They used to essentially give you an idea or an estimate on the fee for the next twelve months. This gives you a lot more certainty there. So it's about making sure that it's there. It's a good system, and I do like that as your balance increases over time, that net pay drops down and your fee gets lower, which is kind of cool. So it's about making sure that your balance is working harder for you. Because we do go through the onboarding process again, and I do have to do the research. I do have to charge the implementation fee again. So it is 4,950 just so you're fully aware. But we don't turn any of this back on until you decide to take the advice. And, again, the same as every other advice case, it's all, you know, up to you. I will give you the advice, show you what I'm recommending we do, how this works for you, the projected outcome based on, you know, the next couple of years to sort of show you the what we're projecting to to look like, essentially. And then you get to take it away, read it. Let me know if you happen to have any questions in this side, whether you're happy to take the advice. Does that sound okay? Yep. Beautiful. Excellent. It'll take you just a couple of weeks to kinda get through the research and come back with the advice page. Am I able to take some time now just to book you back in to go to the advice with me in a few weeks? Yeah. Fantastic. What time of day generally suits you there? Yeah. Absolutely. Okay. So just looking at the calendar. Does the Thursday still work for you okay? That'd be okay? Yep. Beautiful. So I could do 04:00 on Thursday, October 16. Would that be alright? Yep. Perfect. I'll book it in there for you. I'll add a text message reminder in there just so it lets you, you know, give you a prompt. That way, if anything happens to come up, you can let us know it's not an issue. I'll go back and do all the research, have a look at what we can do. I can see that the statement here is definitely some changes I'd love to make to your portfolio, some investments that no longer sort of fit the current climate there. And I'll show you what that looks like as a whole. We'll go through it together, and then you get to take that back and have a bit of a read through it as well. How does that sound, Darren? Beautiful. Do you happen to have any questions or anything that maybe I haven't touched on that you wanted to ask me while you've got me here today at all? No? Fantastic. Look. I have thoroughly enjoyed meeting with you today. I look forward to putting this advice document together and us going through it in a couple of weeks. If you do happen to have any questions, please reach out to myself or Maddie, and I'll talk to you on the fifteenth. If I don't look forward, I hope you have a good weekend. Easy. Thanks so much for your time, Jared, and talk to you soon. Thanks. Yeah. 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Jared. It's Dana from Mercy Financial. How are you today? I'm very well. Thank you.\n\nI just had people feel for a bit of a catch up today. You're looking to come back on board as a client, fix some plans for advice. Is that right? Yes. Fantastic.\n\nIs now still a good time for our catch up to run through things? So fantastic. Before I jump into the call, Jared, I just have to let you know we do record our calls for quality and training purposes. Are you happy with for ask for the with that? Fantastic.\n\nAnd I just wanna make sure because we are going through your personal information that I do security as well. I just need to confirm your full name, your address, date of birth I should have on file. Yep. Yep. Beautiful.\n\nLegend. Thank you so much for that. How's your week been so far? Yes. That's that's good news.\n\nIs it weekend off? Yeah. Some down time to rest. I like it. No.\n\nAll good. Well, I know you've been speaking with my colleague, Maddie, there. Kinda gone through and done all the research there for you. So I'm not sure if we've spoken before, but my name is Dana, and I'm one of the financial advisers here at OC Financial. So I'll be the one putting the advice together and doing the research there for you.\n\nWith my part of the call today, just gonna run through a bit more about your goals, have a bit of a look at what you've got currently. She's given me a lot of research to go with, which is fantastic. I will have a chat about sort of re onboarding what that looks like, what you're after with regard to financial advice, and then I'll go back and do some research and put the plan together to see how we can help you moving forward. How does that sound? Fantastic.\n\nSo, firstly, just wanted to touch base. Now one of the things I do have here at the moment, and and I do apologize, I can see here that you are separated, and I believe going through a divorce is not quite finalized. Is that right? Okay. Perfect.\n\nSo just having a look at that. Now where are you sort of up in that price we're up to in that process of going through the divorce and the finalization separation of assets? Where are you guys up to with that at the moment? Okay. Okay.\n\nOkay. Yep. Yeah. Yeah. Absolutely.\n\nNo. I completely understand. It was a lot that you're dealing with at the moment. I'm so sorry you're going through that. When it comes to the house, is this something do you know sort of what what the plan is moving forward or what may happen to the house once you kinda go through the separation of assets?\n\nMhmm. Okay. Yep. No. That's okay.\n\nAnd is there any likelihood that maybe your system might end up being split as well, or is that sort of Yep. Okay. Yep. No. That's okay.\n\nNot a problem at all. Just so when I'm looking at the advice and doing the research, I kind of understand where things are going and what what, you know, could change in the future just so we can kind of factor that in for you as well and note that that could be a a bit of a change in your circumstances. Perfect. Thank you for giving that information. I know you're going through a lot.\n\nAnd, again, I'm so sorry you're going through this. Hopefully, it's all finalized for you fairly soon. Yeah. Absolutely. Look.\n\nI am divorced, so I understand exactly what you're going through. It's gonna be a really rough time, and there's a lot of back and forth and very costly as well. So, yeah, I understand. All good. Well, let's have a little bit of a chat about your goals there.\n\nSo with your statement, somebody was able to get a statement for me. I'm having a bit of look at the assets in there at the moment. I can definitely see some changes that could be good to update your portfolio. It is definitely one of the older portfolios that we would have had a few years back around about 2324. So I can definitely see some changes that would be good to make and kind of build in your portfolio, especially as you're expecting that $10,000 to be, you know, removed out of the super fund there as well.\n\nSo a way that we can kind of make that money back nice and quick once that split has gone through for you, or ways that we can look to build that $10,000 up prior to leaving your super fund so it kinda leaves you with as little an impact as possible, essentially. Excellent. When you're looking at your super now having a look at things from over, you're really young. You're about 38. Do you know what age you are hoping to be able to maybe retire at this super?\n\nSorry. No. No. That's okay. So to give you a little bit of context there, when you think about the age to retire, at the moment, the legislators, the earliest we can access is age 60.\n\nWe are fully retired. The other option is if you work past 60 at age 65, regardless of whether you're working or not, they do allow you full access to your super tax rate or 67. Now that that you and I have as much of a chance at it, at the moment, 67 is the age to access the age pension through Centrelink. So do you think you wanna work a bit longer past 60, or you're sort of hoping that that might be the time you'll be able to enjoy the rest of it? Is that your retirement years and travel?\n\nYeah. Yeah. Beautiful. That is that's okay. It'll give me something to work towards, which is great.\n\nThe other thing I do kinda like about using the age of 60 for you is that it essentially gives you a starting point. It means that we're working on the earliest possible age to access safer, and then it gives you an option. You can continue to work if you want to, or you can stop working or maybe sort of do a little bit of both into that transition to retirement sort of side of things from 60 to 65. So it does give you options by working that way, and it means that we're working on an earlier goal. So we wanna make things work a bit harder for you earlier on.\n\nDoes that make sense? Yep. Beautiful. Now you probably haven't thought much about what kind of income you might be looking at. But, realistically, do you think there's a set maybe income in today's dollars you'd be comfortable living on in retirement, or did you want me just to kind of work on replacing your current income amount?\n\nWhat do you think you'd like me to work as a goal for income in retirement? That's it. That's it. Yep. Beautiful.\n\nLet's work on the higher amount there. Yeah. Absolutely. Fantastic. Look.\n\nI'm gonna ask you every question you probably never thought of answering, and that's okay if you've never thought of it before. We can always talk it through. Having a look at sort of your season and what you're after there, one of the things we do kind of wanna look at is, like, contributions and how come to you as contributions. Now income wise, I can see here that you are a draft from my trade, and you're working as a pay y d employee at the moment. But you've also got your own business at the moment.\n\nIs that right? Yep. Beautiful. Are you making any additional contributions to super over and above the employer contributions currently? No.\n\nThat's okay. How does I know you've you've got a lot of expenses at the moment with everything you're sort of dealing with, but is additional contributions something that you're comfortable looking at, or would you rather put that on the back burner than now knowing everything you're sort of working on? Good. Yep. Yes.\n\nOkay. Right. Yes. You're fine. No.\n\nYou're fine, Darryl. Do you need a second to go and sort that out? I don't mind holding. It's not an issue. You're okay?\n\nX oh, she sounds adorable. How old are your kids? Wow. Wow. The teenagers and the the preteen stage.\n\nWell, 14. That's high school. That's crazy. They grow up so fast that day. No.\n\nAll good. Perfect. Well, I've got a really good idea of what you're sort of looking for with the way of super. I'll put additional contributions on the back burner, and we can maybe look at that down the track when things settle down a bit for you. With the the other thing I do as well that we use, baby, is just how your risk profile fits.\n\nSo I do have a couple of questions to run through with as a risk profile just to kinda gauge where you are sitting risk wise and what kind of portfolio I should look at kind of changing and altering in your super for you. These are about 14 multiple choice questions, but I run through them fairly quickly, and we can skip a few here and there as well. Okay? Excellent. The first one here, it says, how would you rate your willingness to take on financial risk?\n\nDo you consider yourself a very high risk taker, just a high risk taker, an average or medium risk taker, or a very low risk taker? Where would you see yourself comfortably sitting? Hi, beautiful. Did you say hi, beautiful. The next one here is how familiar are you with investment markets?\n\nHave you ever invested before? No. That's okay. And would you say because you've never had investment in your own personal name that you are fairly comfortable with not having some investment knowledge? You're aware that markets do fluctuate and go up and down.\n\nYou might have a good grasp that you're still learning or a bay basic understanding of investment market, where would you see yourself sitting in that category? No. That's okay. Yes. Well, I will more than happily teach you.\n\nNo need to worry. We're still having a look at your super and, you know, having dealt with us over the last couple of years. Where would you sort of say do you what would you say you have been able to understand or learn with you know, been able to talk to having advisers? And what sort of stuff do you think you may sorry. I'm trying to put the right words.\n\nI'm gonna get easier on you. Essentially, where would you would you say that you're comfortable with the you understand markets go up and down, or would you say it's something you want to learn? Yep. Okay. Yeah.\n\nPerfect. Perfect. I probably thought you were more of a number three there. It does sort of say have a good market graph that you are still learning. But because you are kind of in that learning phase and wanting to learn more about markets, we are aware they go up and down.\n\nYou're probably looking at super and seeing it goes to those market fluctuations. I'd probably see you in that sort of middle category. Does that feel comfortable for you? Yes. Beautiful.\n\nThe next one here is, so how would you describe your experience and understanding of investment market? So, again, you've got here a whole bunch of different options there. With what we've sort of talked about at the moment, I'd probably put you down as an investment novice. You're naturally curious, but also a bit cautious. Would that be fairly comfortable, or would you see yourself more learning the risk versus the water balance and happy to take on a bit more risk?\n\nYes. Yep. Yep. Yep. Yes.\n\nBeautiful. It's just that middle category that's sort of where it felt like we were going with the other other question there. So it kind of is that middle range is right sort of where you're starting from, which is absolutely fine. Beautiful. The next one here I can answer for you is asking what is the most aggressive investment you've ever owned.\n\nSo you do have managed funds and and ETFs in your super currently, so I'll tick that box up for you. The next one's asking about your time horizon for how long you have until you wanna access those funds because you're only 38 this year. You've got a lot of time ahead of you. I'll tick off that more than ten year box to make it easier. The next one here is about inflation.\n\nSo it basically says inflation means that things are getting more expensive over time. This essentially makes your money worth less. When you think about your super and the level of risk that you're undertaking, are you comfortable taking on a higher level of risk to try and get the greater potential returns knowing there is also a downside at times? Are you happy in that more moderate or medium amount of risk to take to get the best returns possible, or are you not comfortable taking on risk and other returns are lower because of that? Where do you see yourself busy?\n\nAnd you can go in between if you want. Yep. Yep. Yep. Beautiful.\n\nThe next one here, it says investments can go up and down, and this is technically what's called volatility. It says, how much of a drop? So thinking about your current balance, which is about a 161,000 161,683 currently, if you saw that for, say, more than 50%, up to 50%, up to 25%, or up to 10%, How which one of those would start to make you feel more concerned or nervous about what was happening with your super? Yeah. Yep.\n\nAbsolutely. The next one here is saying if you if in the next, say, six to twelve months so this is a really good example because we have seen those ups and downs, a bit of volatility with everything that's kinda been going on. But if you did sort of see your super four by 20% over the next one to two years, how do you think you might be feeling? Are you thinking it's more of an investment opportunity, might put some more money in and take advantage of the downtime? Are you a bit concerned maybe calling us to see what's sort of going on with it?\n\nOr are you feeling like you wanna sell the investments and move the money into, say, cash? Medigate? Yep. Yeah. Absolutely.\n\nThe next one here is what kind of reasonable rate of return are you hoping to get from your super over the longer term? I'm just gonna pick the first box because we were we wanna get the best out of our super. You've you're only 38 busy. You've got a lot of time ahead of you there, so trying to get the best out of your super and making it work as hard as possible would be the probably the best answer. Are you comfortable with that, or is there anything?\n\nYep. Excellent. The next one here, it says, have you ever seen this super fall in value? If you have in the past, how did this make you feel? Were you feeling optimistic about the investment opportunities ahead?\n\nA bit cautious, not wanting to put any more money into it? A bit concerned or feeling very anxious? Yeah. Yep. No.\n\nPerfect. That's okay. I'll just I might just tick the box saying a bit cautious because to me, it doesn't sound like you'd be going, hey. Yeah. Cool.\n\nIt's dropped a little bit. You'd be like, oh, it has dropped. What do we do? Why is it dropped? Is there anything we can kind of do to mitigate that?\n\nDoes that sound fairly comfortable? Does that sound right? Yes. Beautiful. The next one here is, so how much risk are you willing to take to try and get them return you're after?\n\nThis sort of relates back to the first couple of questions when we're looking at risk. Are you happy to take on more risk to get the best returns possible? Are you happy with just the higher level of risk to get the best returns you can, a moderate or medium amount of risk to get the best returns you can, or minimal risk knowing the returns are lower? Where do you think you'd feel on that scale? Yep.\n\nBeautiful. And the third last one here, it says, what kind of income or what kind of returns are you hoping to get out of your super? So when we think about the different types of returns, we're looking at capital growth, which is a change in the investment prices. Let's say if you own CBA today, it was worth $50. Tomorrow, it's worth a $100.\n\nThat's $50 of capital growth. The other thing we wanna try and obtain is income. So dividends that are paid out of the investment, paid to your cash account, and it's reinvested back into your portfolio, and that is just with compounding. Do you think when you're thinking about your super, you're looking to get more capital growth, less income, more income, less capital growth, or maybe a balance of the two? Yep.\n\nBeautiful. And the second one the second last one here is just have you ever thought about borrowing from a financial institution in order to invest, whether it be stocks and ETFs or buying and investment property? Nope. That's okay. And the last one here is how do you think about borrowing to invest would make you feel?\n\nAre you comfortable if you got the right advice to do so knowing there are risks involved? You'd be very cautious about doing it because there are risks involved, very hesitant, or you would never do it. Yep. Yeah. No.\n\nThat's okay. Do you want to buy more property or invest in properties in the future, or you're not really open to it? Mhmm. Fell down. Yeah.\n\nAbsolutely. Yeah. Absolutely. No. Completely understandable.\n\nBeautiful. Thank you so much for running through that. It's now where you have sort of scored as more of a growth investor. So the way our risk profile fit, you have aggressive, high growth, growth balance, growth and balance. So you're sort of sitting in that middle range there.\n\nA a growth investor normally sees about 80% of their super investing growth assets. So these are things like Australian shares, international shares, listed property, and also commodities for precious metals like gold and silver. And then the other 20% in defensive lower risk investments like cash, bonds, and fixed interest. Generally speaking, a growth portfolio is looking to try and achieve about a seven to 9% on a yearly basis, compounding that over time. And, realistically, with the expected volatility in the market, you could see a on a good year, 11% higher than that nine or in the negative years or a lower year, 11% under the seven as well.\n\nSo that's sort of giving you an idea of where that expected volatility can sort of fit. The growth portfolio generally suits somebody who's got about six years before accessing net funds. You've got more than double that ahead of you before accessing super. And, realistically, because we understand the likelihood of a negative return and we understand volatility, you can expect negative return around about one in every five years. So a growth investor has a strong preference for growth.\n\nThey can tolerate those market ups and downs, and they're not accessing their suit in the next six years. Does that feel like something you're comfortable with? And do you have any additional questions? You're welcome to let me know if you do. Yep.\n\nBeautiful. Realistically, for your age and stage, we would generally see you kind of in that growth or high growth environment. There's about a 10% split between the two, but this is a fairly good middle ground. And, realistically, we kind of hold you in this area for maybe the first year or so, and then if you wanna take on more risk, if comfortable to do that, then we could always bump you up to the next one later on. We can always reduce this this later on if you need to as well.\n\nSo you don't have to stay here. If you don't want to, we can always move you up and down to the risk profile and alter the portfolio as much as you're comfortable with moving forward. Okay. Beautiful. Excellent.\n\nDo you have any questions so far about any of those details or anything we've gone through thus far? No. That's okay. The next thing that's always out of that is you no. That's okay.\n\nYou're fine. The next thing is the insurances. So at the moment, you've got your account insurance policy. I've got the Pacifica currency in front of you, so I can see what you do definitely have. Now at the moment, paid out of your suit, you've got your life and CBD benefits.\n\nDo you understand how these insurances work, what they pay for? Yep. Beautiful. So if in the event of, say, you're passing away, at the moment, you've got your life benefit of 600 and 16,298, and then if you were to also pass away, your super benefit can also be paid out to your beneficiaries as well. So they're looking at roughly a $160,000.\n\nSo it's giving you just over as a total benefit, I think over $776,000 there, which is great. With the fact that the house could be sold and, you know, you split the proceeds essentially or, you know, your ex partner could get it, meaning you get a little bit extra money there. How would you want that money to be split in the event that you would have passed away? To the kids? Yeah.\n\nThat's okay. Yep. Beautiful. Now one of the things I do like to sort of talk to you about is the distribution of those sort of funds. So with your circumstances, there are different ways to distribute the funds.\n\nBecause all of your children are technically still minors, if you were to and they are nominated on your super at the moment as beneficiaries. I do have all three. Yes. So I have all three, so Cooper, Hunter, and Mackenzie, all noted here as the beneficiary. To give you a bit of context, now if you were to pass away, this money isn't directly paid to the children.\n\nIt's essentially directed to their guardian, and then it is up to the guardian to distribute those funds amongst the children. It doesn't always happen that way. It's just that they can't because they're minors. They can't have the money paid to them, and they can't make the claim themselves. So it's all done through their guardian.\n\nThat, honestly, would be their mom, who is your ex your ex wife. Are you comfortable still having it paid that way? The other way is you can have it paid to your legal personal representative. That means that on your speaker, we take LPR, and your life insurance, we take LPR. In the event of your passing, it is claimed by your executor of your will, and it goes to your estate.\n\nAnd in your will, you can have set up a trust. You can have set up a whole bunch of different ways to direct money to each of your kids. It can be directed through other family members, through trust. You can have bonds and things set up. There's lots of different ways that you can do it there.\n\nHaving a will can make that direction of funds to your kids a lot easier, a lot more streamlined, making sure they receive the funds. But it also comes down to your situation, how you feel, what you want to happen, and how that would work for you and your family. How would you like that to sort of be set up? What's comfortable? Yep.\n\nYep. Okay. Perfect. Yep. Beautiful.\n\nSo I'll make sure that with the estate planning side of things here that we will have LPR set up, and I'll recommend legal personal representative on your life insurance and also your. That way, it can go to your state and be directed as per your wishes. Okay. Beautiful and so easy. And so you do have a will now.\n\nDid you do power of attorney as well as part of that? Yep. Beautiful. Beautiful. There we go.\n\nFantastic. I'll just keep those boxes there for you. Fantastic. So it's a life cover cover. You're fairly happy with the level of cover you do have there.\n\nNow with TBD, it has the same level of benefit. Do you understand how total permanent disability works? Mhmm. Yep. Yep.\n\nThat's okay. So with Total Term and Disability, you've got the same level of cover, so 616,000. If you are ever unable to get back to work again due to total incapacity or disability, we can also claim against the super benefits. You can have that released. The only thing I just like to make sure I clarify is that when you do claim on CBD or if you do claim on CBD, if you are under the age of 60 and you withdraw the funds out as a lump sum, that becomes taxable money, and the government can tax it up to 22%.\n\nIt's horrible. I know it shouldn't be that way in any way at all. But it's just kind of yeah. This is awful. It's horrible.\n\nI don't think anyone should be taxed if they're unable to ever go back to work again due to disability. It does not feel right anyway. But we just like to kinda make sure that you're aware of that. Essentially, if you were to ever claim on TDD, we would help provide advice on getting the claim done, but then also what to do with the proceeds. So we can find ways, and we do have some fun cool things that we can do to eliminate or reduce the tax as much as possible, keep the money invested, and maybe draw an income stream down.\n\nBut do you feel like the level of cover you have with CBD is fairly suitable, you're happy with that level, or did you wanna go back and review that level of cover? Yes. That's okay. Perfect. Excellent.\n\nNow the other thing is your income protection benefit. So you're you have a monthly benefit in that of $5,878 currently. Looking at your income of 130,000, you are slightly underinsured there. But it also comes down to whether that would sort of be sufficient for, you know, covering income. So on a monthly basis, if you were getting just over $5,000 on a monthly basis from an income protection claim, would that cover your expenditure?\n\nWould you feel comfortable with that? Did you wanna look at increasing or getting a higher amount of income protection? Increasing it? Yep. Beautiful.\n\nSo with your current income, I've got a 130,000 here. Is that right? That would be what I base it on? Yep. Beautiful.\n\nExcellent. And so realistically, so you can cover yourself up to 70% of your income. Would you like me to look at the full 70% of income protection? Yes. Beautiful.\n\nIt essentially means that you're looking at a monthly benefit of about $7,583 on a monthly basis. So I will have a look at that for you. I can see Maddie's also done a bit of a pre assessment for me, which is great. So I'll go back and review that as part of the research, and then the advice will show how we recommend you increase that, what that looks like, and what the kind of contract you can expect would look like as well. Okay?\n\nExcellent. Do you have any questions at the moment? I'm sorry. I do question a lot. Yes.\n\nBeautiful. You have. Fantastic. No. That's all good.\n\nNow there are other types of personal insurance that you can also have. You can have trauma. Trauma, unlike your life, keep it in income protection. It's not paid before by super. It has to be paid out of your back pocket.\n\nDid you wanna look at getting any trauma? You can also get child trauma, which pays out a lump sum benefit in the event that your child is diagnosed with a major traumatic condition or pass the way. Did you wanna look at any of those additional covers? Are you happy with the three you've got? Yep.\n\nThat's okay. Did you have any questions about any of the additional covers like child trauma or trauma or anything there that you may want to understand or no. That's okay. Absolutely fine. Beautiful.\n\nWe can always go down the track if you decide you wanna look at additional things. Feel free to let me know. We'll sort of start with just the future and the income protection side of things here at the moment. But down the track, you know, once you've kinda gone through the settlement process and everything kind of, you know, settled for you and you get to sort of work out where you are, expenditure wise, You can also build additional investments, like child bonds and things and putting money away to the kids when they're older, and we can also help with advice from those additional areas for you down the track as well. Okay.\n\nEasy. Perfect. Now just confirming, I've got the main primary residence here at the moment. Maggie's got a value here of 540,000 and a rough loan owing of 280,000. Is that still fairly accurate?\n\nYep. Beautiful. I've also got the Land Cruiser and a caravan, both owned by your business. Do you still have those? Yep.\n\nBeautiful. I've got the Land Cruiser at a 100,000 and the caravan at 80,000. Is that right for value? Yep. Perfect.\n\nAnd then the home the contents within the home as well, valuation sitting here at about 100,000. Does that still sound accurate? Yep. Fantastic. Is there any other assets or debts or anything you would wanna note down as well?\n\nNo. That's okay. You're absolutely fine. I've also got it down here that your expenses are around about that 7 to $800 on a weekly basis at the moment and not really saving any money. Is that right?\n\nIs that fairly accurate? Yes. Yes. So hey. And with the business, are you set up as it looks like you set up as a company there, but there's not a lot of work at the moment.\n\nI can sort of see there's a statement that you were paying yourself contributions from the business, but that's sort of not happening at the moment because it does see the work has dropped off a little bit. Is that right? Yes. No. That's it.\n\nThat's okay. So that all sort of you'll sort of look at focusing on that a bit more down the track once that settlement stuff has all gone through. Is that what you're sort of thinking? Yep. Yep.\n\nOkay. Perfect. I'll just make a note of that here for you. We'll put it down as a goal to sort of reassess that down the track with you to sort of see how that goes, whether you kinda transition back or whether you're happy to stay where you are and you close it down just so we can kinda help with that down the track. Beautiful.\n\nFantastic. I've got so estate planning wise, we're just sort of looking at making sure everything can be directed to your will. Just sort of clarify, income we're looking at income protection to increase that benefit of that to cover you up to 70% of your income. You do have a four week waiting period and a five year benefit period on that policy as well. You're fairly comfortable with that?\n\nDid you have any questions around the benefit or waiting period? Not beautiful. We're have to come through with the life and CBD benefits that we do hold at the moment, and just looking at your super working towards the age of 60 for retirement. Access income is around about 1,700 per week currently. That could definitely change.\n\nWe're looking at being a growth investor, and I'll go back and reassess the super fund as well as the investments within that to keep you in that risk profile, but to see if anything needs to be switched out or changed or updated since you were onboarded originally. Does that sound correct? Have I missed anything at all there? Yeah. Beautiful.\n\nWe'll hold off on any additional contributions and other advice at the moment. Just a way for you to go through that settlement side of things. Is there any other goals? I know you're down the track. You sort of mentioned, like, to buy property as well.\n\nYou know, once everything kinda goes through and deciding what to do with the business as well. Is there any other goals down the track that you might have as well? Yeah. Perfect. Where would you like to travel to?\n\nI love it. With the kids? Yeah. That's fantastic. That's been I definitely wanna see you do that.\n\nThat is for sure. Do you think it's something you'd like to do, take the kids with you, or do you think you'd like to just give it a crack on your own and see how you feel? Travel to adult only cases? What are you thinking? Yep.\n\nYep. Perfect. Perfect. I have them here your next of kin is your mom. Are you happy keeping your mom, Angela, down as next of kin on file, or did you wanna change or alter that?\n\nThat's all good. Yep. Perfect. Excellent. Thank you so much for that.\n\nNow just to kinda go through now, I'm not sure how much has Maddie gone through sort of the fees with you and the re onboarding sort of process and how that looks? No. That's okay. So re onboarding means that we are just gonna have to go back through and do a new essentially, a new advice document, go through the research again to kind of re onboard everything. It means updating everything.\n\nSo we do charge an implementation fee once we kinda go through the advice. That's the same as last time is just charged if you take on the advice, essentially. It comes out of your super at the time that we, you know, receive access to it essentially and start altering the investment. It is 4,950, the implementation fee. And then we do obviously turn our ongoing service fee back on.\n\nIt is 1.65% the same as it was last time. However, our fee our ongoing fee structure is now changing to a tiered structure. So your it's think of it like the tax system. You have those set tiers in place. So for your balance up to 200,000, it's 1.65%.\n\nOnce your balance goes over that 200,000, then you drop into the next tier and your ongoing service fee drops to 1.375. And then when your balance is 500,000, it drops into the tier below that, which is 1.10. So the idea of the newer fee structure is that each time your balance increases beyond that tier, you drop into the lower tier, and it ends up being a lower lower percentage for the rest for the next tier down. So the idea is it sort of keeps it a bit there. We also know that as a set dollar figure fee.\n\nSo one of the things you'll probably remember is we used to give you a estimate on how much that fee was meant to be. We don't do that anymore. We actually work out for the year as a set dollar figure fee how much that will be, And that means that, like, if the way it used to be is if you've got a 20 or, you know, 15 or 20% return, your fee would go up with that. That no longer happens. We essentially work out what tier structure you work in for the ongoing service fee, and then we add 5% growth to that amount, and that's how much you pay for the year.\n\nSo it gives you a lot more certainty around how much the ongoing service fee is that particularly it. And it also means that the more your balance grows, the lower the fee or the lower the tier is going to be or the lower the percentage within that tier is going to be as well. So it works out to be a lot more favorable for you as a client, but it also means that we're able to charge our ongoing services and keep providing our advice there. Does that make sense? Do you have any questions?\n\nThat's okay. Beautiful. We wanted to sort of make it fair and changes that worked for our clients and making that step here structure works really well. I'm not sure if you remember the the SDS we used to provide. They used to essentially give you an idea or an estimate on the fee for the next twelve months.\n\nThis gives you a lot more certainty there. So it's about making sure that it's there. It's a good system, and I do like that as your balance increases over time, that net pay drops down and your fee gets lower, which is kind of cool. So it's about making sure that your balance is working harder for you. Because we do go through the onboarding process again, and I do have to do the research.\n\nI do have to charge the implementation fee again. So it is 4,950 just so you're fully aware. But we don't turn any of this back on until you decide to take the advice. And, again, the same as every other advice case, it's all, you know, up to you. I will give you the advice, show you what I'm recommending we do, how this works for you, the projected outcome based on, you know, the next couple of years to sort of show you the what we're projecting to to look like, essentially.\n\nAnd then you get to take it away, read it. Let me know if you happen to have any questions in this side, whether you're happy to take the advice. Does that sound okay? Yep. Beautiful.\n\nExcellent. It'll take you just a couple of weeks to kinda get through the research and come back with the advice page. Am I able to take some time now just to book you back in to go to the advice with me in a few weeks? Yeah. Fantastic.\n\nWhat time of day generally suits you there? Yeah. Absolutely. Okay. So just looking at the calendar.\n\nDoes the Thursday still work for you okay? That'd be okay? Yep. Beautiful. So I could do 04:00 on Thursday, October 16.\n\nWould that be alright? Yep. Perfect. I'll book it in there for you. I'll add a text message reminder in there just so it lets you, you know, give you a prompt.\n\nThat way, if anything happens to come up, you can let us know it's not an issue. I'll go back and do all the research, have a look at what we can do. I can see that the statement here is definitely some changes I'd love to make to your portfolio, some investments that no longer sort of fit the current climate there. And I'll show you what that looks like as a whole. We'll go through it together, and then you get to take that back and have a bit of a read through it as well.\n\nHow does that sound, Darren? Beautiful. Do you happen to have any questions or anything that maybe I haven't touched on that you wanted to ask me while you've got me here today at all? No? Fantastic.\n\nLook. I have thoroughly enjoyed meeting with you today. I look forward to putting this advice document together and us going through it in a couple of weeks. If you do happen to have any questions, please reach out to myself or Maddie, and I'll talk to you on the fifteenth. If I don't look forward, I hope you have a good weekend.\n\nEasy. Thanks so much for your time, Jared, and talk to you soon. Thanks. Yeah. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Jared.","start":3.6,"end":4.24,"sentiment":"neutral","sentiment_score":0.16709621250629425},{"text":"It's Dana from Mercy Financial.","start":4.24,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.18374280333518983},{"text":"How are you today?","start":5.8399997,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.26091650500893593},{"text":"I'm very well.","start":8.48,"end":9.36,"sentiment":"positive","sentiment_score":0.6404354174931844},{"text":"Thank you.","start":9.36,"end":9.84,"sentiment":"positive","sentiment_score":0.725001186132431}],"sentiment":"positive","sentiment_score":0.35424256790429354,"num_words":16,"start":3.6,"end":9.84},{"sentences":[{"text":"I just had people feel for a bit of a catch up today.","start":9.84,"end":12.0,"sentiment":"neutral","sentiment_score":0.3121429509841479},{"text":"You're looking to come back on board as a client, fix some plans for advice.","start":12.0,"end":15.625,"sentiment":"neutral","sentiment_score":0.23111799558003743},{"text":"Is that right?","start":15.625,"end":16.445,"sentiment":"neutral","sentiment_score":0.1445601632197698},{"text":"Yes.","start":17.945,"end":18.425,"sentiment":"neutral","sentiment_score":0.305572509765625},{"text":"Fantastic.","start":18.425,"end":18.925,"sentiment":"positive","sentiment_score":0.6702499389648438}],"sentiment":"neutral","sentiment_score":0.2707312495419473,"num_words":33,"start":9.84,"end":18.925},{"sentences":[{"text":"Is now still a good time for our catch up to run through things?","start":19.065,"end":21.965,"sentiment":"positive","sentiment_score":0.4257923002753939},{"text":"So fantastic.","start":23.545,"end":24.365,"sentiment":"positive","sentiment_score":0.5252528935670853},{"text":"Before I jump into the call, Jared, I just have to let you know we do record our calls for quality and training purposes.","start":24.825,"end":29.564999,"sentiment":"neutral","sentiment_score":0.15051917918026447},{"text":"Are you happy with for ask for the with that?","start":29.96,"end":32.54,"sentiment":"neutral","sentiment_score":0.11068908721208573},{"text":"Fantastic.","start":34.04,"end":34.54,"sentiment":"positive","sentiment_score":0.4065990149974823}],"sentiment":"neutral","sentiment_score":0.23799114075361513,"num_words":51,"start":19.065,"end":34.54},{"sentences":[{"text":"And I just wanna make sure because we are going through your personal information that I do security as well.","start":34.68,"end":38.6,"sentiment":"neutral","sentiment_score":0.2002214625477791},{"text":"I just need to confirm your full name, your address, date of birth I should have on file.","start":38.6,"end":42.78,"sentiment":"neutral","sentiment_score":0.09568379198511441},{"text":"Yep.","start":46.074997,"end":46.574997,"sentiment":"neutral","sentiment_score":0.02635720744729042},{"text":"Yep.","start":49.274998,"end":49.774998,"sentiment":"neutral","sentiment_score":0.024108782410621643},{"text":"Beautiful.","start":50.954998,"end":51.454998,"sentiment":"neutral","sentiment_score":0.08200719952583313}],"sentiment":"neutral","sentiment_score":0.14290757795296063,"num_words":41,"start":34.68,"end":51.454998},{"sentences":[{"text":"Legend.","start":53.195,"end":53.675,"sentiment":"neutral","sentiment_score":0.18589606881141665},{"text":"Thank you so much for that.","start":53.675,"end":54.795,"sentiment":"positive","sentiment_score":0.5645941297213236},{"text":"How's your week been so far?","start":54.795,"end":56.335,"sentiment":"neutral","sentiment_score":0.29786891241868335},{"text":"Yes.","start":58.12,"end":58.6,"sentiment":"neutral","sentiment_score":0.2546226382255554},{"text":"That's that's good news.","start":58.6,"end":59.719997,"sentiment":"positive","sentiment_score":0.47333984822034836}],"sentiment":"positive","sentiment_score":0.41714757515324485,"num_words":18,"start":53.195,"end":59.719997},{"sentences":[{"text":"Is it weekend off?","start":59.719997,"end":60.859997,"sentiment":"neutral","sentiment_score":0.13476181402802467},{"text":"Yeah.","start":63.8,"end":64.3,"sentiment":"neutral","sentiment_score":0.2088845670223236},{"text":"Some down time to rest.","start":64.52,"end":65.64,"sentiment":"neutral","sentiment_score":0.21179735660552979},{"text":"I like it.","start":65.64,"end":66.54,"sentiment":"positive","sentiment_score":0.41175150871276855},{"text":"No.","start":68.119995,"end":68.439995,"sentiment":"neutral","sentiment_score":0.014113649725914}],"sentiment":"neutral","sentiment_score":0.21830619871616364,"num_words":14,"start":59.719997,"end":68.439995},{"sentences":[{"text":"All good.","start":68.439995,"end":69.0,"sentiment":"neutral","sentiment_score":0.07182975113391876},{"text":"Well, I know you've been speaking with my colleague, Maddie, there.","start":69.0,"end":71.685,"sentiment":"neutral","sentiment_score":0.08718271418051286},{"text":"Kinda gone through and done all the research there for you.","start":71.765,"end":74.085,"sentiment":"neutral","sentiment_score":0.12848437983881345},{"text":"So I'm not sure if we've spoken before, but my name is Dana, and I'm one of the financial advisers here at OC Financial.","start":74.085,"end":79.225,"sentiment":"neutral","sentiment_score":0.06841114745475352},{"text":"So I'll be the one putting the advice together and doing the research there for you.","start":79.284996,"end":83.064995,"sentiment":"neutral","sentiment_score":0.15378537122160196}],"sentiment":"neutral","sentiment_score":0.10341298460843973,"num_words":64,"start":68.439995,"end":83.064995},{"sentences":[{"text":"With my part of the call today, just gonna run through a bit more about your goals, have a bit of a look at what you've got currently.","start":83.685,"end":89.39,"sentiment":"neutral","sentiment_score":0.2637311853468418},{"text":"She's given me a lot of research to go with, which is fantastic.","start":89.85,"end":92.75,"sentiment":"positive","sentiment_score":0.4808218771448502},{"text":"I will have a chat about sort of re onboarding what that looks like, what you're after with regard to financial advice, and then I'll go back and do some research and put the plan together to see how we can help you moving forward.","start":93.60999,"end":103.825,"sentiment":"neutral","sentiment_score":0.14698756436506907},{"text":"How does that sound?","start":103.825,"end":104.80499,"sentiment":"neutral","sentiment_score":0.10675847344100475},{"text":"Fantastic.","start":106.784996,"end":107.284996,"sentiment":"positive","sentiment_score":0.7135859727859497}],"sentiment":"neutral","sentiment_score":0.23505733907222748,"num_words":91,"start":83.685,"end":107.284996},{"sentences":[{"text":"So, firstly, just wanted to touch base.","start":108.225,"end":109.905,"sentiment":"neutral","sentiment_score":0.1175042177949633},{"text":"Now one of the things I do have here at the moment, and and I do apologize, I can see here that you are separated, and I believe going through a divorce is not quite finalized.","start":109.905,"end":119.340004,"sentiment":"neutral","sentiment_score":-0.047189756451795496},{"text":"Is that right?","start":119.4,"end":120.3,"sentiment":"neutral","sentiment_score":-0.022857914368311565},{"text":"Okay.","start":122.12,"end":122.62,"sentiment":"neutral","sentiment_score":0.14025157690048218},{"text":"Perfect.","start":122.68,"end":123.18,"sentiment":"neutral","sentiment_score":0.27035000920295715}],"sentiment":"neutral","sentiment_score":-0.011130705514612297,"num_words":48,"start":108.225,"end":123.18},{"sentences":[{"text":"So just having a look at that.","start":123.32,"end":124.68,"sentiment":"neutral","sentiment_score":0.08469366069350924},{"text":"Now where are you sort of up in that price we're up to in that process of going through the divorce and the finalization separation of assets?","start":124.68,"end":132.00499,"sentiment":"neutral","sentiment_score":0.04083438948900611},{"text":"Where are you guys up to with that at the moment?","start":132.22499,"end":134.325,"sentiment":"neutral","sentiment_score":-0.005180869928815148},{"text":"Okay.","start":141.345,"end":141.845,"sentiment":"neutral","sentiment_score":-0.018925681710243225},{"text":"Okay.","start":144.68999,"end":145.18999,"sentiment":"neutral","sentiment_score":-0.06965010613203049}],"sentiment":"neutral","sentiment_score":0.03297486774464871,"num_words":47,"start":123.32,"end":145.18999},{"sentences":[{"text":"Okay.","start":150.53,"end":151.03,"sentiment":"neutral","sentiment_score":-0.041048042476177216},{"text":"Yep.","start":155.65,"end":156.15,"sentiment":"neutral","sentiment_score":-0.046569764614105225},{"text":"Yeah.","start":162.095,"end":162.335,"sentiment":"neutral","sentiment_score":-0.00919283740222454},{"text":"Yeah.","start":162.335,"end":162.835,"sentiment":"neutral","sentiment_score":0.0016639437526464462},{"text":"Absolutely.","start":163.13501,"end":163.63501,"sentiment":"neutral","sentiment_score":0.015829944983124733}],"sentiment":"neutral","sentiment_score":-0.01586335115134716,"num_words":5,"start":150.53,"end":163.63501},{"sentences":[{"text":"No.","start":164.015,"end":164.255,"sentiment":"neutral","sentiment_score":-0.11731625348329544},{"text":"I completely understand.","start":164.255,"end":165.295,"sentiment":"neutral","sentiment_score":-0.13176229099432626},{"text":"It was a lot that you're dealing with at the moment.","start":165.295,"end":167.21501,"sentiment":"neutral","sentiment_score":-0.2057529173114083},{"text":"I'm so sorry you're going through that.","start":167.21501,"end":169.155,"sentiment":"neutral","sentiment_score":-0.27370457564081463},{"text":"When it comes to the house, is this something do you know sort of what what the plan is moving forward or what may happen to the house once you kinda go through the separation of assets?","start":171.44,"end":183.06,"sentiment":"neutral","sentiment_score":-0.09916372043458191}],"sentiment":"neutral","sentiment_score":-0.14170974410944065,"num_words":59,"start":164.015,"end":183.06},{"sentences":[{"text":"Mhmm.","start":191.155,"end":191.655,"sentiment":"neutral","sentiment_score":-0.07194103300571442},{"text":"Okay.","start":198.68,"end":199.18,"sentiment":"neutral","sentiment_score":-0.039365027099847794},{"text":"Yep.","start":201.23999,"end":201.73999,"sentiment":"neutral","sentiment_score":-0.03431259095668793},{"text":"No.","start":203.31999,"end":203.56,"sentiment":"neutral","sentiment_score":-0.1219002604484558},{"text":"That's okay.","start":203.56,"end":204.35999,"sentiment":"neutral","sentiment_score":-0.09322506561875343}],"sentiment":"neutral","sentiment_score":-0.07566150712470214,"num_words":6,"start":191.155,"end":204.35999},{"sentences":[{"text":"And is there any likelihood that maybe your system might end up being split as well, or is that sort of Yep.","start":204.35999,"end":223.105,"sentiment":"neutral","sentiment_score":-0.07008021274073557},{"text":"Okay.","start":223.245,"end":223.745,"sentiment":"neutral","sentiment_score":0.06502953171730042},{"text":"Yep.","start":225.01,"end":225.51,"sentiment":"neutral","sentiment_score":0.1514405608177185},{"text":"No.","start":225.57,"end":225.81,"sentiment":"neutral","sentiment_score":0.16903871297836304},{"text":"That's okay.","start":225.81,"end":226.53,"sentiment":"neutral","sentiment_score":0.2860230654478073}],"sentiment":"neutral","sentiment_score":-0.021637397921747632,"num_words":27,"start":204.35999,"end":226.53},{"sentences":[{"text":"Not a problem at all.","start":226.53,"end":227.49,"sentiment":"positive","sentiment_score":0.4208553671836853},{"text":"Just so when I'm looking at the advice and doing the research, I kind of understand where things are going and what what, you know, could change in the future just so we can kind of factor that in for you as well and note that that could be a a bit of a change in your circumstances.","start":227.49,"end":240.705,"sentiment":"neutral","sentiment_score":0.21763135158810124},{"text":"Perfect.","start":241.405,"end":241.905,"sentiment":"positive","sentiment_score":0.5664958953857422},{"text":"Thank you for giving that information.","start":242.205,"end":243.88501,"sentiment":"positive","sentiment_score":0.6527044673760732},{"text":"I know you're going through a lot.","start":243.88501,"end":245.005,"sentiment":"neutral","sentiment_score":0.24320038514477865}],"sentiment":"neutral","sentiment_score":0.2715846834244666,"num_words":77,"start":226.53,"end":245.005},{"sentences":[{"text":"And, again, I'm so sorry you're going through this.","start":245.005,"end":247.325,"sentiment":"neutral","sentiment_score":-0.10069217118952009},{"text":"Hopefully, it's all finalized for you fairly soon.","start":247.325,"end":249.985,"sentiment":"neutral","sentiment_score":0.23232111241668463},{"text":"Yeah.","start":252.59,"end":252.91,"sentiment":"neutral","sentiment_score":0.09400197863578796},{"text":"Absolutely.","start":252.91,"end":253.41,"sentiment":"neutral","sentiment_score":0.11347055435180664},{"text":"Look.","start":253.79,"end":253.95,"sentiment":"neutral","sentiment_score":3.50363552570343e-6}],"sentiment":"neutral","sentiment_score":0.05799076976254582,"num_words":20,"start":245.005,"end":253.95},{"sentences":[{"text":"I am divorced, so I understand exactly what you're going through.","start":253.95,"end":256.83,"sentiment":"neutral","sentiment_score":-0.09071039340712807},{"text":"It's gonna be a really rough time, and there's a lot of back and forth and very costly as well.","start":256.83,"end":262.11,"sentiment":"neutral","sentiment_score":-0.119196368008852},{"text":"So, yeah, I understand.","start":262.11,"end":263.57,"sentiment":"neutral","sentiment_score":0.03691953467205167},{"text":"All good.","start":265.57498,"end":266.215,"sentiment":"neutral","sentiment_score":0.307684063911438},{"text":"Well, let's have a little bit of a chat about your goals there.","start":266.215,"end":268.935,"sentiment":"neutral","sentiment_score":0.11977167140979034}],"sentiment":"neutral","sentiment_score":-0.021233273856341838,"num_words":50,"start":253.95,"end":268.935},{"sentences":[{"text":"So with your statement, somebody was able to get a statement for me.","start":268.935,"end":271.975,"sentiment":"neutral","sentiment_score":0.1636946820295774},{"text":"I'm having a bit of look at the assets in there at the moment.","start":271.975,"end":274.555,"sentiment":"neutral","sentiment_score":0.11213484779000282},{"text":"I can definitely see some changes that could be good to update your portfolio.","start":274.775,"end":277.995,"sentiment":"neutral","sentiment_score":0.2088124006986618},{"text":"It is definitely one of the older portfolios that we would have had a few years back around about 2324.","start":278.055,"end":283.65,"sentiment":"neutral","sentiment_score":0.0814938809722662},{"text":"So I can definitely see some changes that would be good to make and kind of build in your portfolio, especially as you're expecting that $10,000 to be, you know, removed out of the super fund there as well.","start":284.19,"end":294.69,"sentiment":"neutral","sentiment_score":0.23419679300143167}],"sentiment":"neutral","sentiment_score":0.1738484489172697,"num_words":100,"start":268.935,"end":294.69},{"sentences":[{"text":"So a way that we can kind of make that money back nice and quick once that split has gone through for you, or ways that we can look to build that $10,000 up prior to leaving your super fund so it kinda leaves you with as little an impact as possible, essentially.","start":295.24503,"end":309.42502,"sentiment":"neutral","sentiment_score":0.30185115702872006},{"text":"Excellent.","start":311.78,"end":312.28,"sentiment":"positive","sentiment_score":0.4503822028636933},{"text":"When you're looking at your super now having a look at things from over, you're really young.","start":312.9,"end":316.66,"sentiment":"neutral","sentiment_score":0.03327774179770666},{"text":"You're about 38.","start":316.66,"end":317.78,"sentiment":"neutral","sentiment_score":0.007940565546353659},{"text":"Do you know what age you are hoping to be able to maybe retire at this super?","start":317.78,"end":322.36,"sentiment":"neutral","sentiment_score":-0.008576009367756984}],"sentiment":"neutral","sentiment_score":0.18562906234433035,"num_words":91,"start":295.24503,"end":322.36},{"sentences":[{"text":"Sorry.","start":326.035,"end":326.535,"sentiment":"neutral","sentiment_score":-0.17106494307518005},{"text":"No.","start":331.395,"end":331.895,"sentiment":"neutral","sentiment_score":-0.1760271191596985},{"text":"No.","start":334.115,"end":334.435,"sentiment":"neutral","sentiment_score":-0.09913879632949828},{"text":"That's okay.","start":334.435,"end":335.255,"sentiment":"neutral","sentiment_score":0.0020004063844680786},{"text":"So to give you a little bit of context there, when you think about the age to retire, at the moment, the legislators, the earliest we can access is age 60.","start":335.395,"end":343.95,"sentiment":"neutral","sentiment_score":0.049214587456757025}],"sentiment":"neutral","sentiment_score":0.03009506014900075,"num_words":36,"start":326.035,"end":343.95},{"sentences":[{"text":"We are fully retired.","start":343.95,"end":345.17,"sentiment":"neutral","sentiment_score":0.1427149511873722},{"text":"The other option is if you work past 60 at age 65, regardless of whether you're working or not, they do allow you full access to your super tax rate or 67.","start":345.79,"end":355.91498,"sentiment":"neutral","sentiment_score":0.11719548620749265},{"text":"Now that that you and I have as much of a chance at it, at the moment, 67 is the age to access the age pension through Centrelink.","start":355.91498,"end":362.895,"sentiment":"neutral","sentiment_score":0.1305139477231673},{"text":"So do you think you wanna work a bit longer past 60, or you're sort of hoping that that might be the time you'll be able to enjoy the rest of it?","start":363.115,"end":370.25,"sentiment":"neutral","sentiment_score":0.11795964289922267},{"text":"Is that your retirement years and travel?","start":370.25,"end":372.19,"sentiment":"neutral","sentiment_score":0.04117458287094321}],"sentiment":"neutral","sentiment_score":0.11687802478164724,"num_words":103,"start":343.95,"end":372.19},{"sentences":[{"text":"Yeah.","start":375.13,"end":375.63,"sentiment":"neutral","sentiment_score":0.11599165201187134},{"text":"Yeah.","start":376.09,"end":376.49,"sentiment":"neutral","sentiment_score":0.18058009445667267},{"text":"Beautiful.","start":376.49,"end":376.99,"sentiment":"neutral","sentiment_score":0.3287334442138672},{"text":"That is that's okay.","start":377.355,"end":381.99503,"sentiment":"neutral","sentiment_score":0.22679733019322157},{"text":"It'll give me something to work towards, which is great.","start":381.99503,"end":384.55502,"sentiment":"positive","sentiment_score":0.5748349368572235}],"sentiment":"positive","sentiment_score":0.4282849341192666,"num_words":17,"start":375.13,"end":384.55502},{"sentences":[{"text":"The other thing I do kinda like about using the age of 60 for you is that it essentially gives you a starting point.","start":384.55502,"end":390.63,"sentiment":"neutral","sentiment_score":0.15801678660015264},{"text":"It means that we're working on the earliest possible age to access safer, and then it gives you an option.","start":390.63,"end":395.85,"sentiment":"neutral","sentiment_score":0.1681272353976965},{"text":"You can continue to work if you want to, or you can stop working or maybe sort of do a little bit of both into that transition to retirement sort of side of things from 60 to 65.","start":396.07,"end":406.345,"sentiment":"neutral","sentiment_score":0.07083522724477868},{"text":"So it does give you options by working that way, and it means that we're working on an earlier goal.","start":406.725,"end":412.64502,"sentiment":"neutral","sentiment_score":0.20253717638552188},{"text":"So we wanna make things work a bit harder for you earlier on.","start":412.64502,"end":415.445,"sentiment":"neutral","sentiment_score":-0.04495679243252827}],"sentiment":"neutral","sentiment_score":0.11576514302388481,"num_words":115,"start":384.55502,"end":415.445},{"sentences":[{"text":"Does that make sense?","start":415.445,"end":416.58502,"sentiment":"neutral","sentiment_score":0.07170541770756245},{"text":"Yep.","start":418.19998,"end":418.69998,"sentiment":"positive","sentiment_score":0.3990868330001831},{"text":"Beautiful.","start":418.91998,"end":419.41998,"sentiment":"positive","sentiment_score":0.6673515439033508},{"text":"Now you probably haven't thought much about what kind of income you might be looking at.","start":419.8,"end":424.44,"sentiment":"neutral","sentiment_score":0.027968797949142754},{"text":"But, realistically, do you think there's a set maybe income in today's dollars you'd be comfortable living on in retirement, or did you want me just to kind of work on replacing your current income amount?","start":424.44,"end":435.155,"sentiment":"neutral","sentiment_score":0.013367917336937454}],"sentiment":"neutral","sentiment_score":0.03934492825947959,"num_words":58,"start":415.445,"end":435.155},{"sentences":[{"text":"What do you think you'd like me to work as a goal for income in retirement?","start":435.155,"end":438.455,"sentiment":"neutral","sentiment_score":0.033180512953549623},{"text":"That's it.","start":445.69,"end":446.57,"sentiment":"neutral","sentiment_score":-0.0829068087041378},{"text":"That's it.","start":446.57,"end":447.47,"sentiment":"neutral","sentiment_score":-0.012872149236500263},{"text":"Yep.","start":456.25,"end":456.73,"sentiment":"neutral","sentiment_score":0.1482461392879486},{"text":"Beautiful.","start":456.73,"end":457.13,"sentiment":"positive","sentiment_score":0.3799464404582978}],"sentiment":"neutral","sentiment_score":0.039432857778262005,"num_words":22,"start":435.155,"end":457.13},{"sentences":[{"text":"Let's work on the higher amount there.","start":457.13,"end":459.015,"sentiment":"neutral","sentiment_score":0.07966845455978598},{"text":"Yeah.","start":459.255,"end":459.49503,"sentiment":"neutral","sentiment_score":0.22752201557159424},{"text":"Absolutely.","start":459.49503,"end":459.99503,"sentiment":"positive","sentiment_score":0.4853401780128479},{"text":"Fantastic.","start":460.855,"end":461.355,"sentiment":"positive","sentiment_score":0.6170146465301514},{"text":"Look.","start":462.21503,"end":462.45502,"sentiment":"positive","sentiment_score":0.35514384508132935}],"sentiment":"neutral","sentiment_score":0.20388180610131135,"num_words":11,"start":457.13,"end":462.45502},{"sentences":[{"text":"I'm gonna ask you every question you probably never thought of answering, and that's okay if you've never thought of it before.","start":462.45502,"end":467.83502,"sentiment":"neutral","sentiment_score":0.1366437744687904},{"text":"We can always talk it through.","start":467.975,"end":469.83502,"sentiment":"neutral","sentiment_score":0.14472596223155657},{"text":"Having a look at sort of your season and what you're after there, one of the things we do kind of wanna look at is, like, contributions and how come to you as contributions.","start":472.13998,"end":482.4,"sentiment":"neutral","sentiment_score":0.10775861089282177},{"text":"Now income wise, I can see here that you are a draft from my trade, and you're working as a pay y d employee at the moment.","start":482.62,"end":490.325,"sentiment":"neutral","sentiment_score":0.038129401565701874},{"text":"But you've also got your own business at the moment.","start":490.325,"end":492.565,"sentiment":"neutral","sentiment_score":0.02517445906996727}],"sentiment":"neutral","sentiment_score":0.08908636378820496,"num_words":99,"start":462.45502,"end":492.565},{"sentences":[{"text":"Is that right?","start":492.565,"end":493.385,"sentiment":"neutral","sentiment_score":0.05491698284943899},{"text":"Yep.","start":494.965,"end":495.285,"sentiment":"neutral","sentiment_score":0.13878437876701355},{"text":"Beautiful.","start":495.285,"end":495.785,"sentiment":"neutral","sentiment_score":0.3074718415737152},{"text":"Are you making any additional contributions to super over and above the employer contributions currently?","start":496.565,"end":502.025,"sentiment":"neutral","sentiment_score":0.03397887001434962},{"text":"No.","start":504.5,"end":504.74002,"sentiment":"neutral","sentiment_score":-0.1594383418560028}],"sentiment":"neutral","sentiment_score":0.04577389891658511,"num_words":21,"start":492.565,"end":504.74002},{"sentences":[{"text":"That's okay.","start":504.74002,"end":505.46002,"sentiment":"neutral","sentiment_score":-0.11597458645701408},{"text":"How does I know you've you've got a lot of expenses at the moment with everything you're sort of dealing with, but is additional contributions something that you're comfortable looking at, or would you rather put that on the back burner than now knowing everything you're sort of working on?","start":505.46002,"end":519.34503,"sentiment":"neutral","sentiment_score":-0.09464976631104946},{"text":"Good.","start":521.565,"end":522.065,"sentiment":"neutral","sentiment_score":0.20801731944084167},{"text":"Yep.","start":523.405,"end":523.905,"sentiment":"neutral","sentiment_score":-0.022359559312462807},{"text":"Yes.","start":529.165,"end":529.665,"sentiment":"neutral","sentiment_score":0.042496904730796814}],"sentiment":"neutral","sentiment_score":-0.08611423315649683,"num_words":55,"start":504.74002,"end":529.665},{"sentences":[{"text":"Okay.","start":533.36,"end":533.86,"sentiment":"neutral","sentiment_score":0.04017561301589012},{"text":"Right.","start":535.36,"end":535.86,"sentiment":"neutral","sentiment_score":0.0698016807436943},{"text":"Yes.","start":540.08,"end":540.4,"sentiment":"neutral","sentiment_score":0.04015379771590233},{"text":"You're fine.","start":540.4,"end":541.22,"sentiment":"neutral","sentiment_score":0.04520067386329174},{"text":"No.","start":562.22,"end":562.38,"sentiment":"neutral","sentiment_score":-0.060168083757162094}],"sentiment":"neutral","sentiment_score":0.03006072590748469,"num_words":6,"start":533.36,"end":562.38},{"sentences":[{"text":"You're fine, Darryl.","start":562.38,"end":563.25995,"sentiment":"neutral","sentiment_score":0.03943394497036934},{"text":"Do you need a second to go and sort that out?","start":563.25995,"end":565.25995,"sentiment":"neutral","sentiment_score":-0.03049513054164973},{"text":"I don't mind holding.","start":565.25995,"end":566.22,"sentiment":"neutral","sentiment_score":-0.0153492916142568},{"text":"It's not an issue.","start":566.22,"end":567.27997,"sentiment":"neutral","sentiment_score":-0.005300356075167655},{"text":"You're okay?","start":568.94,"end":569.75995,"sentiment":"neutral","sentiment_score":0.03456919360905886}],"sentiment":"neutral","sentiment_score":-0.009608533524442464,"num_words":24,"start":562.38,"end":569.75995},{"sentences":[{"text":"X oh, she sounds adorable.","start":571.34503,"end":573.445,"sentiment":"positive","sentiment_score":0.5979073524475098},{"text":"How old are your kids?","start":573.505,"end":574.805,"sentiment":"neutral","sentiment_score":0.18232307136058806},{"text":"Wow.","start":581.185,"end":581.685,"sentiment":"neutral","sentiment_score":0.17719855904579165},{"text":"Wow.","start":584.65,"end":585.05,"sentiment":"neutral","sentiment_score":0.15180310606956482},{"text":"The teenagers and the the preteen stage.","start":585.05,"end":588.27,"sentiment":"neutral","sentiment_score":0.0949108111006873}],"sentiment":"neutral","sentiment_score":0.25760681378213984,"num_words":19,"start":571.34503,"end":588.27},{"sentences":[{"text":"Well, 14.","start":593.77,"end":594.83,"sentiment":"neutral","sentiment_score":0.10070978105068207},{"text":"That's high school.","start":595.21,"end":596.17,"sentiment":"neutral","sentiment_score":0.12832162777582803},{"text":"That's crazy.","start":596.17,"end":596.97003,"sentiment":"neutral","sentiment_score":0.18249648809432983},{"text":"They grow up so fast that day.","start":596.97003,"end":598.695,"sentiment":"neutral","sentiment_score":0.23405388849122183},{"text":"No.","start":602.135,"end":602.53503,"sentiment":"neutral","sentiment_score":-0.005718551576137543}],"sentiment":"neutral","sentiment_score":0.1722690726319949,"num_words":15,"start":593.77,"end":602.53503},{"sentences":[{"text":"All good.","start":602.53503,"end":603.09503,"sentiment":"neutral","sentiment_score":0.2423267662525177},{"text":"Perfect.","start":603.09503,"end":603.495,"sentiment":"positive","sentiment_score":0.4867587685585022},{"text":"Well, I've got a really good idea of what you're sort of looking for with the way of super.","start":603.495,"end":607.09503,"sentiment":"positive","sentiment_score":0.472842591373544},{"text":"I'll put additional contributions on the back burner, and we can maybe look at that down the track when things settle down a bit for you.","start":607.09503,"end":613.115,"sentiment":"neutral","sentiment_score":0.30890006801256764},{"text":"With the the other thing I do as well that we use, baby, is just how your risk profile fits.","start":614.22003,"end":618.38,"sentiment":"neutral","sentiment_score":0.16577155310660602}],"sentiment":"neutral","sentiment_score":0.3132684465826434,"num_words":68,"start":602.53503,"end":618.38},{"sentences":[{"text":"So I do have a couple of questions to run through with as a risk profile just to kinda gauge where you are sitting risk wise and what kind of portfolio I should look at kind of changing and altering in your super for you.","start":618.38,"end":629.805,"sentiment":"neutral","sentiment_score":0.037541796473993194},{"text":"These are about 14 multiple choice questions, but I run through them fairly quickly, and we can skip a few here and there as well.","start":630.02496,"end":636.505,"sentiment":"neutral","sentiment_score":0.07912293419241906},{"text":"Okay?","start":636.505,"end":637.005,"sentiment":"neutral","sentiment_score":0.0675889253616333},{"text":"Excellent.","start":638.265,"end":638.765,"sentiment":"positive","sentiment_score":0.635871410369873},{"text":"The first one here, it says, how would you rate your willingness to take on financial risk?","start":638.90497,"end":643.6709,"sentiment":"neutral","sentiment_score":0.13222724045900738}],"sentiment":"neutral","sentiment_score":0.07436828786151463,"num_words":89,"start":618.38,"end":643.6709},{"sentences":[{"text":"Do you consider yourself a very high risk taker, just a high risk taker, an average or medium risk taker, or a very low risk taker?","start":643.6709,"end":653.4517,"sentiment":"neutral","sentiment_score":0.006482896430847736},{"text":"Where would you see yourself comfortably sitting?","start":653.4517,"end":656.085,"sentiment":"neutral","sentiment_score":0.017138122181807245},{"text":"Hi, beautiful.","start":656.405,"end":657.22504,"sentiment":"positive","sentiment_score":0.35649774968624115},{"text":"Did you say hi, beautiful.","start":657.445,"end":659.305,"sentiment":"neutral","sentiment_score":0.2359487533569336},{"text":"The next one here is how familiar are you with investment markets?","start":660.48505,"end":663.765,"sentiment":"neutral","sentiment_score":0.045994289064159}],"sentiment":"neutral","sentiment_score":0.05256140187311058,"num_words":52,"start":643.6709,"end":663.765},{"sentences":[{"text":"Have you ever invested before?","start":663.765,"end":665.625,"sentiment":"neutral","sentiment_score":0.0006457481533288956},{"text":"No.","start":667.92505,"end":668.16504,"sentiment":"neutral","sentiment_score":-0.13235250115394592},{"text":"That's okay.","start":668.16504,"end":668.72504,"sentiment":"neutral","sentiment_score":-0.005228297784924505},{"text":"And would you say because you've never had investment in your own personal name that you are fairly comfortable with not having some investment knowledge?","start":668.72504,"end":676.01996,"sentiment":"neutral","sentiment_score":-0.031215434323530643},{"text":"You're aware that markets do fluctuate and go up and down.","start":676.16,"end":679.38,"sentiment":"neutral","sentiment_score":-0.06191472539847547}],"sentiment":"neutral","sentiment_score":-0.03638700439610561,"num_words":44,"start":663.765,"end":679.38},{"sentences":[{"text":"You might have a good grasp that you're still learning or a bay basic understanding of investment market, where would you see yourself sitting in that category?","start":679.6,"end":687.335,"sentiment":"neutral","sentiment_score":-0.0033269211373947285},{"text":"No.","start":692.115,"end":692.355,"sentiment":"neutral","sentiment_score":-0.2277061492204666},{"text":"That's okay.","start":692.355,"end":693.175,"sentiment":"neutral","sentiment_score":-0.08572336658835411},{"text":"Yes.","start":693.795,"end":694.295,"sentiment":"neutral","sentiment_score":0.07692474126815796},{"text":"Well, I will more than happily teach you.","start":694.355,"end":696.355,"sentiment":"neutral","sentiment_score":0.2919124402105808}],"sentiment":"neutral","sentiment_score":0.04931396179092236,"num_words":39,"start":679.6,"end":696.355},{"sentences":[{"text":"No need to worry.","start":696.355,"end":697.495,"sentiment":"neutral","sentiment_score":0.12406429275870323},{"text":"We're still having a look at your super and, you know, having dealt with us over the last couple of years.","start":698.36,"end":703.5,"sentiment":"neutral","sentiment_score":0.12121196055696123},{"text":"Where would you sort of say do you what would you say you have been able to understand or learn with you know, been able to talk to having advisers?","start":704.27997,"end":712.94,"sentiment":"neutral","sentiment_score":0.06856574142972628},{"text":"And what sort of stuff do you think you may sorry.","start":713.0,"end":716.565,"sentiment":"neutral","sentiment_score":-0.009200801564888521},{"text":"I'm trying to put the right words.","start":716.565,"end":717.765,"sentiment":"neutral","sentiment_score":0.08554458352071899}],"sentiment":"neutral","sentiment_score":0.07666142264457598,"num_words":73,"start":696.355,"end":717.765},{"sentences":[{"text":"I'm gonna get easier on you.","start":717.765,"end":719.065,"sentiment":"neutral","sentiment_score":0.24941757569710413},{"text":"Essentially, where would you would you say that you're comfortable with the you understand markets go up and down, or would you say it's something you want to learn?","start":719.28503,"end":726.34503,"sentiment":"neutral","sentiment_score":0.0341303875220233},{"text":"Yep.","start":731.1,"end":731.6,"sentiment":"neutral","sentiment_score":-0.01362601201981306},{"text":"Okay.","start":736.22,"end":736.69995,"sentiment":"neutral","sentiment_score":0.10821619629859924},{"text":"Yeah.","start":736.69995,"end":737.01996,"sentiment":"neutral","sentiment_score":0.2154164612293243}],"sentiment":"neutral","sentiment_score":0.0735866667849845,"num_words":38,"start":717.765,"end":737.01996},{"sentences":[{"text":"Perfect.","start":737.01996,"end":737.5,"sentiment":"positive","sentiment_score":0.523342490196228},{"text":"Perfect.","start":737.5,"end":737.89996,"sentiment":"positive","sentiment_score":0.5547839403152466},{"text":"I probably thought you were more of a number three there.","start":737.89996,"end":740.355,"sentiment":"neutral","sentiment_score":0.19751801206306976},{"text":"It does sort of say have a good market graph that you are still learning.","start":740.675,"end":744.195,"sentiment":"neutral","sentiment_score":0.19960075865189233},{"text":"But because you are kind of in that learning phase and wanting to learn more about markets, we are aware they go up and down.","start":744.195,"end":750.83496,"sentiment":"neutral","sentiment_score":0.08886263340711593}],"sentiment":"neutral","sentiment_score":0.15974342977663256,"num_words":53,"start":737.01996,"end":750.83496},{"sentences":[{"text":"You're probably looking at super and seeing it goes to those market fluctuations.","start":750.83496,"end":754.055,"sentiment":"neutral","sentiment_score":0.05865605290119465},{"text":"I'd probably see you in that sort of middle category.","start":754.79004,"end":757.29004,"sentiment":"neutral","sentiment_score":0.11326188072562218},{"text":"Does that feel comfortable for you?","start":757.35004,"end":759.05005,"sentiment":"neutral","sentiment_score":0.11565148085355759},{"text":"Yes.","start":760.79004,"end":761.19,"sentiment":"neutral","sentiment_score":0.26325979828834534},{"text":"Beautiful.","start":761.19,"end":761.69,"sentiment":"positive","sentiment_score":0.5526583194732666}],"sentiment":"neutral","sentiment_score":0.10983788702757127,"num_words":31,"start":750.83496,"end":761.69},{"sentences":[{"text":"The next one here is, so how would you describe your experience and understanding of investment market?","start":762.71,"end":767.51,"sentiment":"neutral","sentiment_score":0.1235948029686423},{"text":"So, again, you've got here a whole bunch of different options there.","start":767.51,"end":771.275,"sentiment":"neutral","sentiment_score":0.08148976694792509},{"text":"With what we've sort of talked about at the moment, I'd probably put you down as an investment novice.","start":771.275,"end":775.855,"sentiment":"neutral","sentiment_score":0.005248404389835502},{"text":"You're naturally curious, but also a bit cautious.","start":776.075,"end":778.955,"sentiment":"neutral","sentiment_score":-0.036987501196563244},{"text":"Would that be fairly comfortable, or would you see yourself more learning the risk versus the water balance and happy to take on a bit more risk?","start":778.955,"end":787.47,"sentiment":"neutral","sentiment_score":-0.014140797709977185}],"sentiment":"neutral","sentiment_score":0.030132614331409693,"num_words":83,"start":762.71,"end":787.47},{"sentences":[{"text":"Yes.","start":791.69,"end":792.19,"sentiment":"neutral","sentiment_score":0.030415641143918037},{"text":"Yep.","start":792.41,"end":792.91,"sentiment":"neutral","sentiment_score":0.04461848735809326},{"text":"Yep.","start":794.32996,"end":794.82996,"sentiment":"neutral","sentiment_score":0.028180483728647232},{"text":"Yep.","start":795.995,"end":796.315,"sentiment":"neutral","sentiment_score":0.07053103297948837},{"text":"Yes.","start":796.315,"end":796.715,"sentiment":"neutral","sentiment_score":0.19891677796840668}],"sentiment":"neutral","sentiment_score":0.07453248463571072,"num_words":5,"start":791.69,"end":796.715},{"sentences":[{"text":"Beautiful.","start":796.715,"end":797.195,"sentiment":"positive","sentiment_score":0.4741946458816528},{"text":"It's just that middle category that's sort of where it felt like we were going with the other other question there.","start":797.195,"end":802.555,"sentiment":"neutral","sentiment_score":0.20971147077424185},{"text":"So it kind of is that middle range is right sort of where you're starting from, which is absolutely fine.","start":802.555,"end":807.535,"sentiment":"neutral","sentiment_score":0.26046666875481606},{"text":"Beautiful.","start":807.595,"end":808.095,"sentiment":"positive","sentiment_score":0.5228245258331299},{"text":"The next one here I can answer for you is asking what is the most aggressive investment you've ever owned.","start":809.09,"end":813.89,"sentiment":"neutral","sentiment_score":0.1429228950291872}],"sentiment":"neutral","sentiment_score":0.2137897037087925,"num_words":63,"start":796.715,"end":813.89},{"sentences":[{"text":"So you do have managed funds and and ETFs in your super currently, so I'll tick that box up for you.","start":813.89,"end":819.99,"sentiment":"neutral","sentiment_score":0.1891055688971565},{"text":"The next one's asking about your time horizon for how long you have until you wanna access those funds because you're only 38 this year.","start":821.50494,"end":828.94495,"sentiment":"neutral","sentiment_score":0.10296065956354142},{"text":"You've got a lot of time ahead of you.","start":828.94495,"end":830.70496,"sentiment":"neutral","sentiment_score":0.1635490150915252},{"text":"I'll tick off that more than ten year box to make it easier.","start":830.70496,"end":833.52496,"sentiment":"neutral","sentiment_score":0.20430805362187898},{"text":"The next one here is about inflation.","start":835.15,"end":837.09,"sentiment":"neutral","sentiment_score":0.014400630391069822}],"sentiment":"neutral","sentiment_score":0.14365311575432618,"num_words":75,"start":813.89,"end":837.09},{"sentences":[{"text":"So it basically says inflation means that things are getting more expensive over time.","start":837.47003,"end":842.03,"sentiment":"neutral","sentiment_score":-0.13320814046476567},{"text":"This essentially makes your money worth less.","start":842.03,"end":844.45,"sentiment":"neutral","sentiment_score":-0.24669166760785238},{"text":"When you think about your super and the level of risk that you're undertaking, are you comfortable taking on a higher level of risk to try and get the greater potential returns knowing there is also a downside at times?","start":844.59,"end":856.045,"sentiment":"neutral","sentiment_score":-0.13019097540527583},{"text":"Are you happy in that more moderate or medium amount of risk to take to get the best returns possible, or are you not comfortable taking on risk and other returns are lower because of that?","start":856.425,"end":867.3,"sentiment":"neutral","sentiment_score":-0.15602578409016132},{"text":"Where do you see yourself busy?","start":867.36,"end":868.88,"sentiment":"neutral","sentiment_score":-0.11365317677458127}],"sentiment":"neutral","sentiment_score":-0.1465848732414176,"num_words":103,"start":837.47003,"end":868.88},{"sentences":[{"text":"And you can go in between if you want.","start":868.88,"end":870.9,"sentiment":"neutral","sentiment_score":-0.021283215118779078},{"text":"Yep.","start":875.2,"end":875.7,"sentiment":"neutral","sentiment_score":-0.0019166755955666304},{"text":"Yep.","start":878.745,"end":878.905,"sentiment":"neutral","sentiment_score":0.07103407382965088},{"text":"Yep.","start":878.905,"end":879.305,"sentiment":"neutral","sentiment_score":0.16941285133361816},{"text":"Beautiful.","start":879.305,"end":879.805,"sentiment":"positive","sentiment_score":0.4380077719688415}],"sentiment":"neutral","sentiment_score":0.03730685272827171,"num_words":13,"start":868.88,"end":879.805},{"sentences":[{"text":"The next one here, it says investments can go up and down, and this is technically what's called volatility.","start":882.265,"end":887.005,"sentiment":"neutral","sentiment_score":-0.02924519179290847},{"text":"It says, how much of a drop?","start":887.545,"end":889.145,"sentiment":"neutral","sentiment_score":-0.11023805290460587},{"text":"So thinking about your current balance, which is about a 161,000 161,683 currently, if you saw that for, say, more than 50%, up to 50%, up to 25%, or up to 10%, How which one of those would start to make you feel more concerned or nervous about what was happening with your super?","start":889.145,"end":913.735,"sentiment":"neutral","sentiment_score":-0.21327507551069613},{"text":"Yeah.","start":921.85,"end":922.09,"sentiment":"neutral","sentiment_score":-0.030065137892961506},{"text":"Yep.","start":922.09,"end":922.49,"sentiment":"neutral","sentiment_score":0.008783629164099693}],"sentiment":"neutral","sentiment_score":-0.15689586098419456,"num_words":82,"start":882.265,"end":922.49},{"sentences":[{"text":"Absolutely.","start":922.49,"end":922.99,"sentiment":"neutral","sentiment_score":0.10249221324920654},{"text":"The next one here is saying if you if in the next, say, six to twelve months so this is a really good example because we have seen those ups and downs, a bit of volatility with everything that's kinda been going on.","start":925.29,"end":936.35,"sentiment":"neutral","sentiment_score":-0.06316969829589822},{"text":"But if you did sort of see your super four by 20% over the next one to two years, how do you think you might be feeling?","start":936.435,"end":942.855,"sentiment":"neutral","sentiment_score":-0.020896558546357684},{"text":"Are you thinking it's more of an investment opportunity, might put some more money in and take advantage of the downtime?","start":943.15497,"end":948.215,"sentiment":"neutral","sentiment_score":-0.09213904326870329},{"text":"Are you a bit concerned maybe calling us to see what's sort of going on with it?","start":948.595,"end":952.41,"sentiment":"neutral","sentiment_score":-0.17650857129517725}],"sentiment":"neutral","sentiment_score":-0.07443649096226473,"num_words":109,"start":922.49,"end":952.41},{"sentences":[{"text":"Or are you feeling like you wanna sell the investments and move the money into, say, cash?","start":952.73,"end":957.62994,"sentiment":"neutral","sentiment_score":-0.16344032524263158},{"text":"Medigate?","start":964.665,"end":965.165,"sentiment":"neutral","sentiment_score":0.03565337508916855},{"text":"Yep.","start":966.345,"end":966.845,"sentiment":"neutral","sentiment_score":0.03364943712949753},{"text":"Yeah.","start":967.305,"end":967.625,"sentiment":"neutral","sentiment_score":0.01760706678032875},{"text":"Absolutely.","start":967.625,"end":968.125,"sentiment":"positive","sentiment_score":0.6744554042816162}],"sentiment":"neutral","sentiment_score":-0.09605334504019647,"num_words":21,"start":952.73,"end":968.125},{"sentences":[{"text":"The next one here is what kind of reasonable rate of return are you hoping to get from your super over the longer term?","start":969.225,"end":975.40497,"sentiment":"neutral","sentiment_score":0.33095820993185043},{"text":"I'm just gonna pick the first box because we were we wanna get the best out of our super.","start":975.46497,"end":979.725,"sentiment":"positive","sentiment_score":0.37009094812368093},{"text":"You've you're only 38 busy.","start":979.88,"end":981.48,"sentiment":"neutral","sentiment_score":0.12040103375911712},{"text":"You've got a lot of time ahead of you there, so trying to get the best out of your super and making it work as hard as possible would be the probably the best answer.","start":981.48,"end":989.48,"sentiment":"neutral","sentiment_score":0.1424767621925899},{"text":"Are you comfortable with that, or is there anything?","start":989.48,"end":991.82,"sentiment":"neutral","sentiment_score":0.0530674463758866}],"sentiment":"neutral","sentiment_score":0.2287067816916691,"num_words":92,"start":969.225,"end":991.82},{"sentences":[{"text":"Yep.","start":993.16504,"end":993.66504,"sentiment":"neutral","sentiment_score":0.23118548095226288},{"text":"Excellent.","start":995.16504,"end":995.66504,"sentiment":"positive","sentiment_score":0.6894210577011108},{"text":"The next one here, it says, have you ever seen this super fall in value?","start":996.28503,"end":1000.365,"sentiment":"neutral","sentiment_score":-0.05425492525100708},{"text":"If you have in the past, how did this make you feel?","start":1000.365,"end":1003.265,"sentiment":"neutral","sentiment_score":-0.021564358845353127},{"text":"Were you feeling optimistic about the investment opportunities ahead?","start":1003.405,"end":1006.84503,"sentiment":"neutral","sentiment_score":0.12932836016019186}],"sentiment":"neutral","sentiment_score":0.026630673557519913,"num_words":38,"start":993.16504,"end":1006.84503},{"sentences":[{"text":"A bit cautious, not wanting to put any more money into it?","start":1006.84503,"end":1010.03,"sentiment":"neutral","sentiment_score":-0.26188166563709575},{"text":"A bit concerned or feeling very anxious?","start":1010.03,"end":1012.37,"sentiment":"neutral","sentiment_score":-0.30731117938246044},{"text":"Yeah.","start":1020.67,"end":1021.17,"sentiment":"neutral","sentiment_score":-0.05084456503391266},{"text":"Yep.","start":1022.11,"end":1022.595,"sentiment":"neutral","sentiment_score":0.022152846679091457},{"text":"No.","start":1025.155,"end":1025.655,"sentiment":"neutral","sentiment_score":-0.12793655693531036}],"sentiment":"neutral","sentiment_score":-0.24774484175511383,"num_words":22,"start":1006.84503,"end":1025.655},{"sentences":[{"text":"Perfect.","start":1027.5549,"end":1028.0549,"sentiment":"neutral","sentiment_score":0.19779306650161743},{"text":"That's okay.","start":1029.075,"end":1029.975,"sentiment":"neutral","sentiment_score":0.2053234502673149},{"text":"I'll just I might just tick the box saying a bit cautious because to me, it doesn't sound like you'd be going, hey.","start":1030.595,"end":1035.235,"sentiment":"neutral","sentiment_score":-0.02630120693989422},{"text":"Yeah.","start":1035.235,"end":1035.5549,"sentiment":"neutral","sentiment_score":0.1193038821220398},{"text":"Cool.","start":1035.5549,"end":1035.715,"sentiment":"neutral","sentiment_score":0.2672666013240814}],"sentiment":"neutral","sentiment_score":0.013931524673742908,"num_words":28,"start":1027.5549,"end":1035.715},{"sentences":[{"text":"It's dropped a little bit.","start":1035.715,"end":1036.6749,"sentiment":"neutral","sentiment_score":-0.06878564655780792},{"text":"You'd be like, oh, it has dropped.","start":1036.6749,"end":1038.55,"sentiment":"neutral","sentiment_score":-0.0451715492776462},{"text":"What do we do?","start":1038.55,"end":1039.3501,"sentiment":"neutral","sentiment_score":-0.10637824796140194},{"text":"Why is it dropped?","start":1039.3501,"end":1040.2301,"sentiment":"neutral","sentiment_score":-0.1489921361207962},{"text":"Is there anything we can kind of do to mitigate that?","start":1040.2301,"end":1042.31,"sentiment":"neutral","sentiment_score":-0.06867293539372357}],"sentiment":"neutral","sentiment_score":-0.07861331946426822,"num_words":31,"start":1035.715,"end":1042.31},{"sentences":[{"text":"Does that sound fairly comfortable?","start":1042.31,"end":1043.75,"sentiment":"neutral","sentiment_score":-0.010722588747739792},{"text":"Does that sound right?","start":1043.75,"end":1044.89,"sentiment":"neutral","sentiment_score":0.04507528431713581},{"text":"Yes.","start":1045.5901,"end":1046.0901,"sentiment":"positive","sentiment_score":0.35403186082839966},{"text":"Beautiful.","start":1047.3501,"end":1047.8501,"sentiment":"positive","sentiment_score":0.5781849026679993},{"text":"The next one here is, so how much risk are you willing to take to try and get them return you're after?","start":1048.7101,"end":1053.715,"sentiment":"neutral","sentiment_score":0.008146670985628258}],"sentiment":"neutral","sentiment_score":0.03751914299121409,"num_words":33,"start":1042.31,"end":1053.715},{"sentences":[{"text":"This sort of relates back to the first couple of questions when we're looking at risk.","start":1053.715,"end":1057.255,"sentiment":"neutral","sentiment_score":-0.006589495969819835},{"text":"Are you happy to take on more risk to get the best returns possible?","start":1057.475,"end":1060.775,"sentiment":"neutral","sentiment_score":-0.005618522209780555},{"text":"Are you happy with just the higher level of risk to get the best returns you can, a moderate or medium amount of risk to get the best returns you can, or minimal risk knowing the returns are lower?","start":1061.075,"end":1071.0499,"sentiment":"neutral","sentiment_score":0.08950755191154969},{"text":"Where do you think you'd feel on that scale?","start":1071.0499,"end":1072.99,"sentiment":"neutral","sentiment_score":0.016024511721399095},{"text":"Yep.","start":1075.7699,"end":1076.2699,"sentiment":"neutral","sentiment_score":0.26441866159439087}],"sentiment":"neutral","sentiment_score":0.047029652470675636,"num_words":79,"start":1053.715,"end":1076.2699},{"sentences":[{"text":"Beautiful.","start":1076.49,"end":1076.99,"sentiment":"positive","sentiment_score":0.6198591589927673},{"text":"And the third last one here, it says, what kind of income or what kind of returns are you hoping to get out of your super?","start":1078.57,"end":1086.115,"sentiment":"neutral","sentiment_score":0.10951026256840962},{"text":"So when we think about the different types of returns, we're looking at capital growth, which is a change in the investment prices.","start":1086.115,"end":1092.5349,"sentiment":"neutral","sentiment_score":0.0241274476537238},{"text":"Let's say if you own CBA today, it was worth $50.","start":1092.835,"end":1096.02,"sentiment":"neutral","sentiment_score":0.040890586308457634},{"text":"Tomorrow, it's worth a $100.","start":1096.1,"end":1097.86,"sentiment":"neutral","sentiment_score":0.07414890974760055}],"sentiment":"neutral","sentiment_score":0.07337270121118336,"num_words":66,"start":1076.49,"end":1097.86},{"sentences":[{"text":"That's $50 of capital growth.","start":1097.86,"end":1099.96,"sentiment":"neutral","sentiment_score":0.1321289673447609},{"text":"The other thing we wanna try and obtain is income.","start":1100.26,"end":1103.0,"sentiment":"neutral","sentiment_score":0.07581679970026016},{"text":"So dividends that are paid out of the investment, paid to your cash account, and it's reinvested back into your portfolio, and that is just with compounding.","start":1103.22,"end":1111.16,"sentiment":"neutral","sentiment_score":0.10939892795350817},{"text":"Do you think when you're thinking about your super, you're looking to get more capital growth, less income, more income, less capital growth, or maybe a balance of the two?","start":1112.0149,"end":1121.1549,"sentiment":"neutral","sentiment_score":0.02292829876144727},{"text":"Yep.","start":1124.735,"end":1125.1349,"sentiment":"neutral","sentiment_score":0.23564261198043823}],"sentiment":"neutral","sentiment_score":0.07254897894924633,"num_words":73,"start":1097.86,"end":1125.1349},{"sentences":[{"text":"Beautiful.","start":1125.1349,"end":1125.6349,"sentiment":"positive","sentiment_score":0.4790861606597901},{"text":"And the second one the second last one here is just have you ever thought about borrowing from a financial institution in order to invest, whether it be stocks and ETFs or buying and investment property?","start":1126.65,"end":1138.75,"sentiment":"neutral","sentiment_score":0.05666636706640323},{"text":"Nope.","start":1141.755,"end":1141.995,"sentiment":"neutral","sentiment_score":-0.11485004425048828},{"text":"That's okay.","start":1141.995,"end":1142.8151,"sentiment":"neutral","sentiment_score":-0.033463627099990845},{"text":"And the last one here is how do you think about borrowing to invest would make you feel?","start":1144.875,"end":1149.515,"sentiment":"neutral","sentiment_score":-0.0073020242982440526}],"sentiment":"neutral","sentiment_score":0.038032097228128336,"num_words":58,"start":1125.1349,"end":1149.515},{"sentences":[{"text":"Are you comfortable if you got the right advice to do so knowing there are risks involved?","start":1149.515,"end":1153.935,"sentiment":"neutral","sentiment_score":-0.061067106969216293},{"text":"You'd be very cautious about doing it because there are risks involved, very hesitant, or you would never do it.","start":1154.28,"end":1160.38,"sentiment":"neutral","sentiment_score":-0.23179509565234185},{"text":"Yep.","start":1165.4,"end":1165.9,"sentiment":"neutral","sentiment_score":0.05144068226218224},{"text":"Yeah.","start":1168.935,"end":1169.3351,"sentiment":"neutral","sentiment_score":-0.0024850573390722275},{"text":"No.","start":1169.3351,"end":1169.5751,"sentiment":"neutral","sentiment_score":-0.07897619903087616}],"sentiment":"neutral","sentiment_score":-0.142601582640782,"num_words":40,"start":1149.515,"end":1169.5751},{"sentences":[{"text":"That's okay.","start":1169.5751,"end":1170.2151,"sentiment":"neutral","sentiment_score":-0.047205885872244835},{"text":"Do you want to buy more property or invest in properties in the future, or you're not really open to it?","start":1170.2151,"end":1175.435,"sentiment":"neutral","sentiment_score":-0.08603001776195708},{"text":"Mhmm.","start":1178.8551,"end":1179.3551,"sentiment":"neutral","sentiment_score":-0.04336906224489212},{"text":"Fell down.","start":1182.0701,"end":1182.89,"sentiment":"neutral","sentiment_score":-0.23136015236377716},{"text":"Yeah.","start":1185.75,"end":1186.0701,"sentiment":"neutral","sentiment_score":0.02614487335085869}],"sentiment":"neutral","sentiment_score":-0.08818469030989541,"num_words":27,"start":1169.5751,"end":1186.0701},{"sentences":[{"text":"Absolutely.","start":1186.0701,"end":1186.5701,"sentiment":"neutral","sentiment_score":0.2149827629327774},{"text":"Yeah.","start":1188.15,"end":1188.65,"sentiment":"neutral","sentiment_score":0.08953652530908585},{"text":"Absolutely.","start":1188.7101,"end":1189.2101,"sentiment":"neutral","sentiment_score":0.10797829926013948},{"text":"No.","start":1189.35,"end":1189.67,"sentiment":"neutral","sentiment_score":0.028305064886808395},{"text":"Completely understandable.","start":1189.67,"end":1190.73,"sentiment":"neutral","sentiment_score":0.121683020144701}],"sentiment":"neutral","sentiment_score":0.11402811544636886,"num_words":6,"start":1186.0701,"end":1190.73},{"sentences":[{"text":"Beautiful.","start":1190.9501,"end":1191.43,"sentiment":"positive","sentiment_score":0.570744514465332},{"text":"Thank you so much for running through that.","start":1191.43,"end":1193.03,"sentiment":"positive","sentiment_score":0.5936196222901344},{"text":"It's now where you have sort of scored as more of a growth investor.","start":1193.03,"end":1196.865,"sentiment":"neutral","sentiment_score":0.24555803941828863},{"text":"So the way our risk profile fit, you have aggressive, high growth, growth balance, growth and balance.","start":1197.105,"end":1202.725,"sentiment":"neutral","sentiment_score":0.15550877460662058},{"text":"So you're sort of sitting in that middle range there.","start":1203.105,"end":1205.605,"sentiment":"neutral","sentiment_score":0.13631055280566215}],"sentiment":"neutral","sentiment_score":0.2552853748202324,"num_words":50,"start":1190.9501,"end":1205.605},{"sentences":[{"text":"A a growth investor normally sees about 80% of their super investing growth assets.","start":1206.065,"end":1211.265,"sentiment":"neutral","sentiment_score":0.08418284782341548},{"text":"So these are things like Australian shares, international shares, listed property, and also commodities for precious metals like gold and silver.","start":1211.265,"end":1219.49,"sentiment":"neutral","sentiment_score":0.07543682094131197},{"text":"And then the other 20% in defensive lower risk investments like cash, bonds, and fixed interest.","start":1219.79,"end":1225.65,"sentiment":"neutral","sentiment_score":0.03797561605460942},{"text":"Generally speaking, a growth portfolio is looking to try and achieve about a seven to 9% on a yearly basis, compounding that over time.","start":1226.475,"end":1234.575,"sentiment":"neutral","sentiment_score":0.08800194055462877},{"text":"And, realistically, with the expected volatility in the market, you could see a on a good year, 11% higher than that nine or in the negative years or a lower year, 11% under the seven as well.","start":1234.795,"end":1248.9501,"sentiment":"neutral","sentiment_score":-0.046621444962314657}],"sentiment":"neutral","sentiment_score":0.03354817924888006,"num_words":112,"start":1206.065,"end":1248.9501},{"sentences":[{"text":"So that's sort of giving you an idea of where that expected volatility can sort of fit.","start":1248.9501,"end":1252.89,"sentiment":"neutral","sentiment_score":0.04251777161570156},{"text":"The growth portfolio generally suits somebody who's got about six years before accessing net funds.","start":1253.775,"end":1258.8151,"sentiment":"neutral","sentiment_score":-0.010029928425016503},{"text":"You've got more than double that ahead of you before accessing super.","start":1258.8151,"end":1262.1151,"sentiment":"neutral","sentiment_score":0.019649945199489594},{"text":"And, realistically, because we understand the likelihood of a negative return and we understand volatility, you can expect negative return around about one in every five years.","start":1262.495,"end":1272.5801,"sentiment":"neutral","sentiment_score":-0.18259593513276842},{"text":"So a growth investor has a strong preference for growth.","start":1272.72,"end":1275.76,"sentiment":"neutral","sentiment_score":0.018284209072589874}],"sentiment":"neutral","sentiment_score":-0.04863081017744808,"num_words":81,"start":1248.9501,"end":1275.76},{"sentences":[{"text":"They can tolerate those market ups and downs, and they're not accessing their suit in the next six years.","start":1275.76,"end":1280.98,"sentiment":"neutral","sentiment_score":-0.058164473230901514},{"text":"Does that feel like something you're comfortable with?","start":1281.2749,"end":1283.5149,"sentiment":"neutral","sentiment_score":0.09031694568693638},{"text":"And do you have any additional questions?","start":1283.5149,"end":1285.2749,"sentiment":"neutral","sentiment_score":0.05190205041851316},{"text":"You're welcome to let me know if you do.","start":1285.2749,"end":1286.975,"sentiment":"neutral","sentiment_score":0.25201334224806893},{"text":"Yep.","start":1290.075,"end":1290.3949,"sentiment":"neutral","sentiment_score":0.2843317985534668}],"sentiment":"neutral","sentiment_score":0.057572200132364575,"num_words":44,"start":1275.76,"end":1290.3949},{"sentences":[{"text":"Beautiful.","start":1290.3949,"end":1290.875,"sentiment":"positive","sentiment_score":0.5425386428833008},{"text":"Realistically, for your age and stage, we would generally see you kind of in that growth or high growth environment.","start":1290.875,"end":1297.14,"sentiment":"neutral","sentiment_score":0.19823223808780313},{"text":"There's about a 10% split between the two, but this is a fairly good middle ground.","start":1297.14,"end":1302.26,"sentiment":"neutral","sentiment_score":0.28539035841822624},{"text":"And, realistically, we kind of hold you in this area for maybe the first year or so, and then if you wanna take on more risk, if comfortable to do that, then we could always bump you up to the next one later on.","start":1302.26,"end":1313.615,"sentiment":"neutral","sentiment_score":0.10181949694048274},{"text":"We can always reduce this this later on if you need to as well.","start":1313.615,"end":1316.8151,"sentiment":"neutral","sentiment_score":0.16683878430298396}],"sentiment":"neutral","sentiment_score":0.1672550524732,"num_words":95,"start":1290.3949,"end":1316.8151},{"sentences":[{"text":"So you don't have to stay here.","start":1316.8151,"end":1318.8151,"sentiment":"neutral","sentiment_score":0.1302435669515814},{"text":"If you don't want to, we can always move you up and down to the risk profile and alter the portfolio as much as you're comfortable with moving forward.","start":1318.8151,"end":1325.96,"sentiment":"neutral","sentiment_score":0.11808015483206716},{"text":"Okay.","start":1326.1,"end":1326.6,"sentiment":"neutral","sentiment_score":0.17105144262313843},{"text":"Beautiful.","start":1328.4199,"end":1328.9199,"sentiment":"positive","sentiment_score":0.7097039222717285},{"text":"Excellent.","start":1329.0599,"end":1329.5599,"sentiment":"positive","sentiment_score":0.6812507510185242}],"sentiment":"neutral","sentiment_score":0.15123168140267715,"num_words":39,"start":1316.8151,"end":1329.5599},{"sentences":[{"text":"Do you have any questions so far about any of those details or anything we've gone through thus far?","start":1330.4199,"end":1335.48,"sentiment":"neutral","sentiment_score":0.2531283803676304},{"text":"No.","start":1338.98,"end":1339.2999,"sentiment":"neutral","sentiment_score":-0.03283314406871796},{"text":"That's okay.","start":1339.2999,"end":1340.12,"sentiment":"neutral","sentiment_score":-0.008781256852671504},{"text":"The next thing that's always out of that is you no.","start":1340.8049,"end":1343.9249,"sentiment":"neutral","sentiment_score":-0.09724105488170277},{"text":"That's okay.","start":1343.9249,"end":1344.6449,"sentiment":"neutral","sentiment_score":0.010520515963435173}],"sentiment":"neutral","sentiment_score":0.10601237135540162,"num_words":35,"start":1330.4199,"end":1344.6449},{"sentences":[{"text":"You're fine.","start":1344.6449,"end":1345.3849,"sentiment":"neutral","sentiment_score":0.1302493438124657},{"text":"The next thing is the insurances.","start":1346.0049,"end":1347.465,"sentiment":"neutral","sentiment_score":0.017768988851457834},{"text":"So at the moment, you've got your account insurance policy.","start":1347.6849,"end":1350.345,"sentiment":"neutral","sentiment_score":0.03781783785670996},{"text":"I've got the Pacifica currency in front of you, so I can see what you do definitely have.","start":1350.8049,"end":1355.065,"sentiment":"neutral","sentiment_score":0.10242195965515243},{"text":"Now at the moment, paid out of your suit, you've got your life and CBD benefits.","start":1355.1799,"end":1359.44,"sentiment":"neutral","sentiment_score":0.033706347399856895}],"sentiment":"neutral","sentiment_score":0.060157458297908306,"num_words":52,"start":1344.6449,"end":1359.44},{"sentences":[{"text":"Do you understand how these insurances work, what they pay for?","start":1359.5,"end":1363.28,"sentiment":"neutral","sentiment_score":0.012737476351586256},{"text":"Yep.","start":1366.38,"end":1366.88,"sentiment":"neutral","sentiment_score":0.12094723433256148},{"text":"Beautiful.","start":1366.94,"end":1367.44,"sentiment":"neutral","sentiment_score":0.23902079463005063},{"text":"So if in the event of, say, you're passing away, at the moment, you've got your life benefit of 600 and 16,298, and then if you were to also pass away, your super benefit can also be paid out to your beneficiaries as well.","start":1367.9149,"end":1381.995,"sentiment":"neutral","sentiment_score":0.12542570289224386},{"text":"So they're looking at roughly a $160,000.","start":1381.995,"end":1385.3201,"sentiment":"neutral","sentiment_score":0.15819981268474034}],"sentiment":"neutral","sentiment_score":0.11134702945128083,"num_words":64,"start":1359.5,"end":1385.3201},{"sentences":[{"text":"So it's giving you just over as a total benefit, I think over $776,000 there, which is great.","start":1385.4601,"end":1392.04,"sentiment":"neutral","sentiment_score":0.32522970603572},{"text":"With the fact that the house could be sold and, you know, you split the proceeds essentially or, you know, your ex partner could get it, meaning you get a little bit extra money there.","start":1393.14,"end":1403.265,"sentiment":"neutral","sentiment_score":0.14711540256227765},{"text":"How would you want that money to be split in the event that you would have passed away?","start":1404.365,"end":1408.225,"sentiment":"neutral","sentiment_score":0.07743107258445686},{"text":"To the kids?","start":1414.52,"end":1415.4,"sentiment":"neutral","sentiment_score":0.049445213129123054},{"text":"Yeah.","start":1415.4,"end":1415.72,"sentiment":"neutral","sentiment_score":0.055766452103853226}],"sentiment":"neutral","sentiment_score":0.1680138026177883,"num_words":75,"start":1385.4601,"end":1415.72},{"sentences":[{"text":"That's okay.","start":1415.72,"end":1416.54,"sentiment":"positive","sentiment_score":0.3944083899259567},{"text":"Yep.","start":1417.5599,"end":1418.04,"sentiment":"positive","sentiment_score":0.5245801210403442},{"text":"Beautiful.","start":1418.04,"end":1418.54,"sentiment":"positive","sentiment_score":0.7804009914398193},{"text":"Now one of the things I do like to sort of talk to you about is the distribution of those sort of funds.","start":1418.6,"end":1423.08,"sentiment":"neutral","sentiment_score":0.1463381398631179},{"text":"So with your circumstances, there are different ways to distribute the funds.","start":1423.08,"end":1427.115,"sentiment":"neutral","sentiment_score":0.06831406305233638}],"sentiment":"neutral","sentiment_score":0.16100881707209808,"num_words":39,"start":1415.72,"end":1427.115},{"sentences":[{"text":"Because all of your children are technically still minors, if you were to and they are nominated on your super at the moment as beneficiaries.","start":1427.595,"end":1434.415,"sentiment":"neutral","sentiment_score":0.028260780274868013},{"text":"I do have all three.","start":1436.155,"end":1437.695,"sentiment":"neutral","sentiment_score":0.12029973119497299},{"text":"Yes.","start":1438.395,"end":1438.795,"sentiment":"neutral","sentiment_score":0.13835099339485168},{"text":"So I have all three, so Cooper, Hunter, and Mackenzie, all noted here as the beneficiary.","start":1438.795,"end":1443.29,"sentiment":"neutral","sentiment_score":0.13410673663020134},{"text":"To give you a bit of context, now if you were to pass away, this money isn't directly paid to the children.","start":1443.99,"end":1450.73,"sentiment":"neutral","sentiment_score":-0.0013565544293008068}],"sentiment":"neutral","sentiment_score":0.0516265615200003,"num_words":69,"start":1427.595,"end":1450.73},{"sentences":[{"text":"It's essentially directed to their guardian, and then it is up to the guardian to distribute those funds amongst the children.","start":1450.87,"end":1457.535,"sentiment":"neutral","sentiment_score":0.04432263748631591},{"text":"It doesn't always happen that way.","start":1458.155,"end":1459.915,"sentiment":"neutral","sentiment_score":-0.04515253038456043},{"text":"It's just that they can't because they're minors.","start":1459.915,"end":1461.675,"sentiment":"neutral","sentiment_score":-0.0809074342250824},{"text":"They can't have the money paid to them, and they can't make the claim themselves.","start":1461.675,"end":1464.975,"sentiment":"neutral","sentiment_score":-0.1494617849588394},{"text":"So it's all done through their guardian.","start":1465.115,"end":1466.975,"sentiment":"neutral","sentiment_score":-0.008626517706683703}],"sentiment":"neutral","sentiment_score":-0.04017038012675026,"num_words":57,"start":1450.87,"end":1466.975},{"sentences":[{"text":"That, honestly, would be their mom, who is your ex your ex wife.","start":1467.79,"end":1472.13,"sentiment":"neutral","sentiment_score":-0.025236292097430963},{"text":"Are you comfortable still having it paid that way?","start":1472.99,"end":1475.47,"sentiment":"neutral","sentiment_score":0.0005281327499283685},{"text":"The other way is you can have it paid to your legal personal representative.","start":1475.47,"end":1479.25,"sentiment":"neutral","sentiment_score":0.06843991737280573},{"text":"That means that on your speaker, we take LPR, and your life insurance, we take LPR.","start":1479.47,"end":1484.7251,"sentiment":"neutral","sentiment_score":0.08357005892321467},{"text":"In the event of your passing, it is claimed by your executor of your will, and it goes to your estate.","start":1485.185,"end":1491.365,"sentiment":"neutral","sentiment_score":0.06763506680727005}],"sentiment":"neutral","sentiment_score":0.046469829951043,"num_words":73,"start":1467.79,"end":1491.365},{"sentences":[{"text":"And in your will, you can have set up a trust.","start":1491.505,"end":1494.145,"sentiment":"neutral","sentiment_score":0.11988814310594038},{"text":"You can have set up a whole bunch of different ways to direct money to each of your kids.","start":1494.145,"end":1498.92,"sentiment":"neutral","sentiment_score":0.16413076849360214},{"text":"It can be directed through other family members, through trust.","start":1499.06,"end":1502.6,"sentiment":"neutral","sentiment_score":0.15246583744883538},{"text":"You can have bonds and things set up.","start":1502.66,"end":1504.34,"sentiment":"neutral","sentiment_score":0.13046623300760984},{"text":"There's lots of different ways that you can do it there.","start":1504.34,"end":1506.76,"sentiment":"neutral","sentiment_score":0.19348293813792142}],"sentiment":"neutral","sentiment_score":0.15481279209508733,"num_words":59,"start":1491.505,"end":1506.76},{"sentences":[{"text":"Having a will can make that direction of funds to your kids a lot easier, a lot more streamlined, making sure they receive the funds.","start":1506.8201,"end":1513.8251,"sentiment":"positive","sentiment_score":0.43243682384490967},{"text":"But it also comes down to your situation, how you feel, what you want to happen, and how that would work for you and your family.","start":1513.9651,"end":1520.785,"sentiment":"neutral","sentiment_score":0.22813117360839477},{"text":"How would you like that to sort of be set up?","start":1521.485,"end":1523.485,"sentiment":"neutral","sentiment_score":0.05473762107166377},{"text":"What's comfortable?","start":1523.485,"end":1524.305,"sentiment":"neutral","sentiment_score":0.019926794804632664},{"text":"Yep.","start":1528.53,"end":1529.03,"sentiment":"neutral","sentiment_score":0.026248350739479065}],"sentiment":"neutral","sentiment_score":0.2678545674165854,"num_words":65,"start":1506.8201,"end":1529.03},{"sentences":[{"text":"Yep.","start":1533.89,"end":1534.39,"sentiment":"neutral","sentiment_score":0.05899183452129364},{"text":"Okay.","start":1536.05,"end":1536.53,"sentiment":"neutral","sentiment_score":0.05906768888235092},{"text":"Perfect.","start":1536.53,"end":1537.03,"sentiment":"neutral","sentiment_score":0.1769680231809616},{"text":"Yep.","start":1538.735,"end":1539.135,"sentiment":"neutral","sentiment_score":0.15091368556022644},{"text":"Beautiful.","start":1539.135,"end":1539.5349,"sentiment":"positive","sentiment_score":0.5113541483879089}],"sentiment":"neutral","sentiment_score":0.1914590761065483,"num_words":5,"start":1533.89,"end":1539.5349},{"sentences":[{"text":"So I'll make sure that with the estate planning side of things here that we will have LPR set up, and I'll recommend legal personal representative on your life insurance and also your.","start":1539.5349,"end":1550.99,"sentiment":"neutral","sentiment_score":0.1903697866382021},{"text":"That way, it can go to your state and be directed as per your wishes.","start":1551.13,"end":1554.51,"sentiment":"neutral","sentiment_score":0.17065037389596302},{"text":"Okay.","start":1554.73,"end":1555.23,"sentiment":"neutral","sentiment_score":0.07588847726583481},{"text":"Beautiful and so easy.","start":1556.65,"end":1558.8301,"sentiment":"positive","sentiment_score":0.5608774423599243},{"text":"And so you do have a will now.","start":1558.9701,"end":1560.65,"sentiment":"neutral","sentiment_score":0.11492784693837166}],"sentiment":"neutral","sentiment_score":0.19804556704446918,"num_words":61,"start":1539.5349,"end":1560.65},{"sentences":[{"text":"Did you do power of attorney as well as part of that?","start":1560.65,"end":1563.39,"sentiment":"neutral","sentiment_score":0.06193512057264646},{"text":"Yep.","start":1566.665,"end":1567.0651,"sentiment":"neutral","sentiment_score":0.13336990773677826},{"text":"Beautiful.","start":1567.0651,"end":1567.5651,"sentiment":"positive","sentiment_score":0.4399266242980957},{"text":"Beautiful.","start":1567.865,"end":1568.365,"sentiment":"positive","sentiment_score":0.4386788308620453},{"text":"There we go.","start":1570.505,"end":1571.405,"sentiment":"neutral","sentiment_score":0.3249521056811015}],"sentiment":"neutral","sentiment_score":0.15166961815622118,"num_words":18,"start":1560.65,"end":1571.405},{"sentences":[{"text":"Fantastic.","start":1571.4651,"end":1571.9651,"sentiment":"positive","sentiment_score":0.6182584762573242},{"text":"I'll just keep those boxes there for you.","start":1572.3451,"end":1574.185,"sentiment":"positive","sentiment_score":0.4517620839178562},{"text":"Fantastic.","start":1574.185,"end":1574.685,"sentiment":"positive","sentiment_score":0.5535612106323242},{"text":"So it's a life cover cover.","start":1575.385,"end":1576.745,"sentiment":"neutral","sentiment_score":0.31416941185792285},{"text":"You're fairly happy with the level of cover you do have there.","start":1576.745,"end":1579.56,"sentiment":"positive","sentiment_score":0.35472406695286435}],"sentiment":"positive","sentiment_score":0.3902722011719431,"num_words":28,"start":1571.4651,"end":1579.56},{"sentences":[{"text":"Now with TBD, it has the same level of benefit.","start":1579.64,"end":1582.68,"sentiment":"neutral","sentiment_score":0.09789914190769196},{"text":"Do you understand how total permanent disability works?","start":1582.68,"end":1585.7401,"sentiment":"neutral","sentiment_score":0.008923273184336722},{"text":"Mhmm.","start":1593.0801,"end":1593.5801,"sentiment":"neutral","sentiment_score":-0.022619381546974186},{"text":"Yep.","start":1595.825,"end":1596.225,"sentiment":"neutral","sentiment_score":0.01160268671810627},{"text":"Yep.","start":1596.225,"end":1596.625,"sentiment":"neutral","sentiment_score":0.015349132940173147}],"sentiment":"neutral","sentiment_score":0.05022428774585327,"num_words":21,"start":1579.64,"end":1596.625},{"sentences":[{"text":"That's okay.","start":1596.625,"end":1597.2849,"sentiment":"neutral","sentiment_score":0.048451561480760574},{"text":"So with Total Term and Disability, you've got the same level of cover, so 616,000.","start":1597.4249,"end":1603.0249,"sentiment":"neutral","sentiment_score":0.05020708839098612},{"text":"If you are ever unable to get back to work again due to total incapacity or disability, we can also claim against the super benefits.","start":1603.0249,"end":1611.23,"sentiment":"neutral","sentiment_score":0.013683662116527558},{"text":"You can have that released.","start":1611.23,"end":1612.69,"sentiment":"neutral","sentiment_score":0.083028444647789},{"text":"The only thing I just like to make sure I clarify is that when you do claim on CBD or if you do claim on CBD, if you are under the age of 60 and you withdraw the funds out as a lump sum, that becomes taxable money, and the government can tax it up to 22%.","start":1613.23,"end":1630.475,"sentiment":"neutral","sentiment_score":-0.008669583486360415}],"sentiment":"neutral","sentiment_score":0.010702663137075992,"num_words":104,"start":1596.625,"end":1630.475},{"sentences":[{"text":"It's horrible.","start":1632.83,"end":1633.39,"sentiment":"negative","sentiment_score":-0.7178740501403809},{"text":"I know it shouldn't be that way in any way at all.","start":1633.39,"end":1635.73,"sentiment":"negative","sentiment_score":-0.6044311001896858},{"text":"But it's just kind of yeah.","start":1637.47,"end":1638.99,"sentiment":"negative","sentiment_score":-0.5716030051310858},{"text":"This is awful.","start":1638.99,"end":1639.79,"sentiment":"negative","sentiment_score":-0.8014216820398966},{"text":"It's horrible.","start":1639.79,"end":1640.27,"sentiment":"negative","sentiment_score":-0.4838363379240036}],"sentiment":"negative","sentiment_score":-0.6196190822124481,"num_words":25,"start":1632.83,"end":1640.27},{"sentences":[{"text":"I don't think anyone should be taxed if they're unable to ever go back to work again due to disability.","start":1640.27,"end":1644.51,"sentiment":"negative","sentiment_score":-0.4047689110040665},{"text":"It does not feel right anyway.","start":1644.51,"end":1646.13,"sentiment":"negative","sentiment_score":-0.4205120901266734},{"text":"But we just like to kinda make sure that you're aware of that.","start":1647.345,"end":1650.085,"sentiment":"neutral","sentiment_score":-0.0783057467868695},{"text":"Essentially, if you were to ever claim on TDD, we would help provide advice on getting the claim done, but then also what to do with the proceeds.","start":1650.545,"end":1657.985,"sentiment":"neutral","sentiment_score":0.1265969162008592},{"text":"So we can find ways, and we do have some fun cool things that we can do to eliminate or reduce the tax as much as possible, keep the money invested, and maybe draw an income stream down.","start":1657.985,"end":1668.4601,"sentiment":"neutral","sentiment_score":0.2877772660239747}],"sentiment":"neutral","sentiment_score":0.027084040890137353,"num_words":105,"start":1640.27,"end":1668.4601},{"sentences":[{"text":"But do you feel like the level of cover you have with CBD is fairly suitable, you're happy with that level, or did you wanna go back and review that level of cover?","start":1669.0,"end":1677.295,"sentiment":"neutral","sentiment_score":0.06654062545434995},{"text":"Yes.","start":1681.275,"end":1681.5951,"sentiment":"neutral","sentiment_score":0.2017374485731125},{"text":"That's okay.","start":1681.5951,"end":1682.235,"sentiment":"neutral","sentiment_score":0.3151013255119324},{"text":"Perfect.","start":1682.235,"end":1682.735,"sentiment":"positive","sentiment_score":0.5621387958526611},{"text":"Excellent.","start":1682.875,"end":1683.375,"sentiment":"positive","sentiment_score":0.4781532287597656}],"sentiment":"neutral","sentiment_score":0.10705454642639349,"num_words":38,"start":1669.0,"end":1683.375},{"sentences":[{"text":"Now the other thing is your income protection benefit.","start":1683.995,"end":1686.655,"sentiment":"neutral","sentiment_score":0.1788538752330674},{"text":"So you're you have a monthly benefit in that of $5,878 currently.","start":1686.7151,"end":1692.14,"sentiment":"neutral","sentiment_score":0.11730349498490493},{"text":"Looking at your income of 130,000, you are slightly underinsured there.","start":1693.1599,"end":1698.38,"sentiment":"neutral","sentiment_score":0.05601801198314537},{"text":"But it also comes down to whether that would sort of be sufficient for, you know, covering income.","start":1698.52,"end":1703.64,"sentiment":"neutral","sentiment_score":0.07206076466374928},{"text":"So on a monthly basis, if you were getting just over $5,000 on a monthly basis from an income protection claim, would that cover your expenditure?","start":1703.64,"end":1711.8451,"sentiment":"neutral","sentiment_score":0.08524741218067132}],"sentiment":"neutral","sentiment_score":0.0940401503865264,"num_words":76,"start":1683.995,"end":1711.8451},{"sentences":[{"text":"Would you feel comfortable with that?","start":1711.905,"end":1713.265,"sentiment":"neutral","sentiment_score":0.03821381119390329},{"text":"Did you wanna look at increasing or getting a higher amount of income protection?","start":1713.265,"end":1717.045,"sentiment":"neutral","sentiment_score":0.007572337985038757},{"text":"Increasing it?","start":1720.81,"end":1721.37,"sentiment":"neutral","sentiment_score":0.016971887554973364},{"text":"Yep.","start":1721.37,"end":1721.6901,"sentiment":"neutral","sentiment_score":0.08410744369029999},{"text":"Beautiful.","start":1721.6901,"end":1722.1901,"sentiment":"neutral","sentiment_score":0.23249250650405884}],"sentiment":"neutral","sentiment_score":0.02857663851076116,"num_words":24,"start":1711.905,"end":1722.1901},{"sentences":[{"text":"So with your current income, I've got a 130,000 here.","start":1724.25,"end":1728.01,"sentiment":"neutral","sentiment_score":0.11267150416970254},{"text":"Is that right?","start":1728.01,"end":1728.99,"sentiment":"neutral","sentiment_score":0.10168299575646718},{"text":"That would be what I base it on?","start":1729.2101,"end":1731.6901,"sentiment":"neutral","sentiment_score":0.03568733064457774},{"text":"Yep.","start":1731.6901,"end":1732.1901,"sentiment":"neutral","sentiment_score":0.05920124053955078},{"text":"Beautiful.","start":1732.25,"end":1732.75,"sentiment":"neutral","sentiment_score":0.3159114718437195}],"sentiment":"neutral","sentiment_score":0.09097284289157909,"num_words":23,"start":1724.25,"end":1732.75},{"sentences":[{"text":"Excellent.","start":1734.265,"end":1734.765,"sentiment":"positive","sentiment_score":0.36340054869651794},{"text":"And so realistically, so you can cover yourself up to 70% of your income.","start":1735.0651,"end":1740.125,"sentiment":"neutral","sentiment_score":0.1869694281901632},{"text":"Would you like me to look at the full 70% of income protection?","start":1740.5851,"end":1743.805,"sentiment":"neutral","sentiment_score":0.1082109734416008},{"text":"Yes.","start":1747.26,"end":1747.5,"sentiment":"neutral","sentiment_score":0.16704338788986206},{"text":"Beautiful.","start":1747.5,"end":1748.0,"sentiment":"positive","sentiment_score":0.34913939237594604}],"sentiment":"neutral","sentiment_score":0.16346326594551405,"num_words":30,"start":1734.265,"end":1748.0},{"sentences":[{"text":"It essentially means that you're looking at a monthly benefit of about $7,583 on a monthly basis.","start":1748.22,"end":1754.96,"sentiment":"neutral","sentiment_score":0.23477172062677495},{"text":"So I will have a look at that for you.","start":1755.66,"end":1757.5,"sentiment":"neutral","sentiment_score":0.2926790863275528},{"text":"I can see Maddie's also done a bit of a pre assessment for me, which is great.","start":1757.5,"end":1761.02,"sentiment":"positive","sentiment_score":0.37700581024674806},{"text":"So I'll go back and review that as part of the research, and then the advice will show how we recommend you increase that, what that looks like, and what the kind of contract you can expect would look like as well.","start":1761.02,"end":1772.025,"sentiment":"neutral","sentiment_score":0.09154559210652397},{"text":"Okay?","start":1772.025,"end":1772.525,"sentiment":"neutral","sentiment_score":0.06087976694107056}],"sentiment":"neutral","sentiment_score":0.1980782014200057,"num_words":87,"start":1748.22,"end":1772.525},{"sentences":[{"text":"Excellent.","start":1774.48,"end":1774.88,"sentiment":"positive","sentiment_score":0.6100651025772095},{"text":"Do you have any questions at the moment?","start":1774.88,"end":1776.72,"sentiment":"neutral","sentiment_score":0.18278964888304472},{"text":"I'm sorry.","start":1776.72,"end":1777.12,"sentiment":"neutral","sentiment_score":-0.05067841708660126},{"text":"I do question a lot.","start":1777.12,"end":1779.0599,"sentiment":"neutral","sentiment_score":-0.09264978542923927},{"text":"Yes.","start":1782.0,"end":1782.3999,"sentiment":"neutral","sentiment_score":0.2062252014875412}],"sentiment":"neutral","sentiment_score":0.10082363140057116,"num_words":17,"start":1774.48,"end":1782.3999},{"sentences":[{"text":"Beautiful.","start":1782.3999,"end":1782.8999,"sentiment":"positive","sentiment_score":0.47531816363334656},{"text":"You have.","start":1784.24,"end":1784.98,"sentiment":"neutral","sentiment_score":0.16922283917665482},{"text":"Fantastic.","start":1786.6399,"end":1787.1399,"sentiment":"positive","sentiment_score":0.5410844087600708},{"text":"No.","start":1787.36,"end":1787.5199,"sentiment":"neutral","sentiment_score":0.17594647407531738},{"text":"That's all good.","start":1787.5199,"end":1788.5,"sentiment":"positive","sentiment_score":0.34419618050257367}],"sentiment":"neutral","sentiment_score":0.32042290829122066,"num_words":8,"start":1782.3999,"end":1788.5},{"sentences":[{"text":"Now there are other types of personal insurance that you can also have.","start":1788.9049,"end":1792.105,"sentiment":"neutral","sentiment_score":0.026833428499790337},{"text":"You can have trauma.","start":1792.105,"end":1793.325,"sentiment":"neutral","sentiment_score":-0.012489361222833395},{"text":"Trauma, unlike your life, keep it in income protection.","start":1793.7849,"end":1796.605,"sentiment":"neutral","sentiment_score":-0.02531210457285245},{"text":"It's not paid before by super.","start":1796.985,"end":1798.9049,"sentiment":"neutral","sentiment_score":-0.009193220641463995},{"text":"It has to be paid out of your back pocket.","start":1798.9049,"end":1801.005,"sentiment":"neutral","sentiment_score":0.0036038445308804513}],"sentiment":"neutral","sentiment_score":0.0012368406169116497,"num_words":42,"start":1788.9049,"end":1801.005},{"sentences":[{"text":"Did you wanna look at getting any trauma?","start":1801.6799,"end":1803.44,"sentiment":"neutral","sentiment_score":0.002144308527931571},{"text":"You can also get child trauma, which pays out a lump sum benefit in the event that your child is diagnosed with a major traumatic condition or pass the way.","start":1803.44,"end":1811.12,"sentiment":"neutral","sentiment_score":0.03409766697635253},{"text":"Did you wanna look at any of those additional covers?","start":1811.12,"end":1813.9349,"sentiment":"neutral","sentiment_score":0.030259900353848936},{"text":"Are you happy with the three you've got?","start":1813.9349,"end":1815.955,"sentiment":"neutral","sentiment_score":0.09153802413493395},{"text":"Yep.","start":1819.5349,"end":1819.855,"sentiment":"neutral","sentiment_score":0.083919458091259}],"sentiment":"neutral","sentiment_score":0.037875563723214885,"num_words":57,"start":1801.6799,"end":1819.855},{"sentences":[{"text":"That's okay.","start":1819.855,"end":1820.6549,"sentiment":"neutral","sentiment_score":0.11357678472995758},{"text":"Did you have any questions about any of the additional covers like child trauma or trauma or anything there that you may want to understand or no.","start":1820.6549,"end":1832.64,"sentiment":"neutral","sentiment_score":0.008770608929572281},{"text":"That's okay.","start":1832.64,"end":1833.44,"sentiment":"neutral","sentiment_score":0.04245218401774764},{"text":"Absolutely fine.","start":1833.44,"end":1834.66,"sentiment":"neutral","sentiment_score":0.32306940853595734},{"text":"Beautiful.","start":1835.92,"end":1836.42,"sentiment":"positive","sentiment_score":0.43633028864860535}],"sentiment":"neutral","sentiment_score":0.04798039659748182,"num_words":34,"start":1819.855,"end":1836.42},{"sentences":[{"text":"We can always go down the track if you decide you wanna look at additional things.","start":1836.7999,"end":1840.48,"sentiment":"neutral","sentiment_score":0.18929403088986874},{"text":"Feel free to let me know.","start":1840.48,"end":1841.94,"sentiment":"neutral","sentiment_score":0.14470629642407098},{"text":"We'll sort of start with just the future and the income protection side of things here at the moment.","start":1842.225,"end":1846.385,"sentiment":"neutral","sentiment_score":0.10290372057964928},{"text":"But down the track, you know, once you've kinda gone through the settlement process and everything kind of, you know, settled for you and you get to sort of work out where you are, expenditure wise, You can also build additional investments, like child bonds and things and putting money away to the kids when they're older, and we can also help with advice from those additional areas for you down the track as well.","start":1846.385,"end":1867.4,"sentiment":"neutral","sentiment_score":0.15238783488670984},{"text":"Okay.","start":1867.46,"end":1867.96,"sentiment":"neutral","sentiment_score":0.11381302773952484}],"sentiment":"neutral","sentiment_score":0.1486753299832344,"num_words":117,"start":1836.7999,"end":1867.96},{"sentences":[{"text":"Easy.","start":1869.62,"end":1870.12,"sentiment":"positive","sentiment_score":0.34644508361816406},{"text":"Perfect.","start":1870.34,"end":1870.84,"sentiment":"positive","sentiment_score":0.4897831082344055},{"text":"Now just confirming, I've got the main primary residence here at the moment.","start":1871.745,"end":1875.505,"sentiment":"neutral","sentiment_score":0.13830129257761514},{"text":"Maggie's got a value here of 540,000 and a rough loan owing of 280,000.","start":1875.505,"end":1881.505,"sentiment":"neutral","sentiment_score":0.040334105757730346},{"text":"Is that still fairly accurate?","start":1881.505,"end":1883.045,"sentiment":"neutral","sentiment_score":0.05887883454561234}],"sentiment":"neutral","sentiment_score":0.10274166613817215,"num_words":34,"start":1869.62,"end":1883.045},{"sentences":[{"text":"Yep.","start":1885.425,"end":1885.925,"sentiment":"neutral","sentiment_score":0.1907687783241272},{"text":"Beautiful.","start":1885.985,"end":1886.485,"sentiment":"positive","sentiment_score":0.6439000368118286},{"text":"I've also got the Land Cruiser and a caravan, both owned by your business.","start":1887.04,"end":1891.92,"sentiment":"neutral","sentiment_score":0.2082304326551301},{"text":"Do you still have those?","start":1891.92,"end":1893.22,"sentiment":"neutral","sentiment_score":0.07348865196108818},{"text":"Yep.","start":1895.84,"end":1896.16,"sentiment":"neutral","sentiment_score":0.17196938395500183}],"sentiment":"neutral","sentiment_score":0.19496852345764637,"num_words":22,"start":1885.425,"end":1896.16},{"sentences":[{"text":"Beautiful.","start":1896.16,"end":1896.64,"sentiment":"positive","sentiment_score":0.5425071716308594},{"text":"I've got the Land Cruiser at a 100,000 and the caravan at 80,000.","start":1896.64,"end":1900.88,"sentiment":"neutral","sentiment_score":0.20127422190629518},{"text":"Is that right for value?","start":1900.88,"end":1902.1,"sentiment":"neutral","sentiment_score":0.14380668848752975},{"text":"Yep.","start":1904.925,"end":1905.425,"sentiment":"neutral","sentiment_score":0.2356133908033371},{"text":"Perfect.","start":1905.485,"end":1905.985,"sentiment":"positive","sentiment_score":0.5158847570419312}],"sentiment":"neutral","sentiment_score":0.22045731650931494,"num_words":21,"start":1896.16,"end":1905.985},{"sentences":[{"text":"And then the home the contents within the home as well, valuation sitting here at about 100,000.","start":1906.4451,"end":1912.285,"sentiment":"neutral","sentiment_score":0.1824755699318998},{"text":"Does that still sound accurate?","start":1912.285,"end":1913.665,"sentiment":"neutral","sentiment_score":0.16116944402456285},{"text":"Yep.","start":1916.0801,"end":1916.4,"sentiment":"neutral","sentiment_score":0.12774266302585602},{"text":"Fantastic.","start":1916.4,"end":1916.9,"sentiment":"positive","sentiment_score":0.4992688000202179},{"text":"Is there any other assets or debts or anything you would wanna note down as well?","start":1917.04,"end":1921.62,"sentiment":"neutral","sentiment_score":0.11376688641030341}],"sentiment":"neutral","sentiment_score":0.15888033886440098,"num_words":40,"start":1906.4451,"end":1921.62},{"sentences":[{"text":"No.","start":1925.8401,"end":1926.0801,"sentiment":"neutral","sentiment_score":-0.06736259162425995},{"text":"That's okay.","start":1926.0801,"end":1926.7201,"sentiment":"neutral","sentiment_score":0.020742547931149602},{"text":"You're absolutely fine.","start":1926.7201,"end":1928.18,"sentiment":"neutral","sentiment_score":0.14945996552705765},{"text":"I've also got it down here that your expenses are around about that 7 to $800 on a weekly basis at the moment and not really saving any money.","start":1928.585,"end":1937.0651,"sentiment":"neutral","sentiment_score":0.014566332487196758},{"text":"Is that right?","start":1937.0651,"end":1937.625,"sentiment":"neutral","sentiment_score":0.08460187911987305}],"sentiment":"neutral","sentiment_score":0.028913991587040454,"num_words":38,"start":1925.8401,"end":1937.625},{"sentences":[{"text":"Is that fairly accurate?","start":1937.625,"end":1938.845,"sentiment":"neutral","sentiment_score":0.060363882686942816},{"text":"Yes.","start":1942.345,"end":1942.745,"sentiment":"neutral","sentiment_score":0.03816518932580948},{"text":"Yes.","start":1942.745,"end":1943.225,"sentiment":"neutral","sentiment_score":0.028976157307624817},{"text":"So hey.","start":1943.225,"end":1943.94,"sentiment":"neutral","sentiment_score":0.007379906252026557},{"text":"And with the business, are you set up as it looks like you set up as a company there, but there's not a lot of work at the moment.","start":1944.4199,"end":1950.98,"sentiment":"neutral","sentiment_score":-0.06752598414133335}],"sentiment":"neutral","sentiment_score":-0.04418640135711915,"num_words":37,"start":1937.625,"end":1950.98},{"sentences":[{"text":"I can sort of see there's a statement that you were paying yourself contributions from the business, but that's sort of not happening at the moment because it does see the work has dropped off a little bit.","start":1950.98,"end":1960.595,"sentiment":"neutral","sentiment_score":-0.12221943057681385},{"text":"Is that right?","start":1960.595,"end":1961.415,"sentiment":"neutral","sentiment_score":-0.019077258184552193},{"text":"Yes.","start":1963.7949,"end":1964.2949,"sentiment":"neutral","sentiment_score":-0.02994721382856369},{"text":"No.","start":1964.995,"end":1965.235,"sentiment":"neutral","sentiment_score":-0.1021297127008438},{"text":"That's it.","start":1965.235,"end":1965.715,"sentiment":"neutral","sentiment_score":-0.09746240079402924}],"sentiment":"neutral","sentiment_score":-0.11174604143533441,"num_words":45,"start":1950.98,"end":1965.715},{"sentences":[{"text":"That's okay.","start":1965.715,"end":1970.615,"sentiment":"neutral","sentiment_score":-0.06461169384419918},{"text":"So that all sort of you'll sort of look at focusing on that a bit more down the track once that settlement stuff has all gone through.","start":1970.8099,"end":1976.89,"sentiment":"neutral","sentiment_score":-0.032598440845807396},{"text":"Is that what you're sort of thinking?","start":1976.89,"end":1978.51,"sentiment":"neutral","sentiment_score":0.005361590634233185},{"text":"Yep.","start":1979.69,"end":1980.19,"sentiment":"neutral","sentiment_score":0.01911468803882599},{"text":"Yep.","start":1980.41,"end":1980.91,"sentiment":"neutral","sentiment_score":0.014982683584094048}],"sentiment":"neutral","sentiment_score":-0.02467770485428015,"num_words":38,"start":1965.715,"end":1980.91},{"sentences":[{"text":"Okay.","start":1984.555,"end":1985.035,"sentiment":"neutral","sentiment_score":0.1716003715991974},{"text":"Perfect.","start":1985.035,"end":1985.535,"sentiment":"positive","sentiment_score":0.36240875720977783},{"text":"I'll just make a note of that here for you.","start":1985.675,"end":1987.3551,"sentiment":"neutral","sentiment_score":0.2554506197571754},{"text":"We'll put it down as a goal to sort of reassess that down the track with you to sort of see how that goes, whether you kinda transition back or whether you're happy to stay where you are and you close it down just so we can kinda help with that down the track.","start":1987.3551,"end":1997.915,"sentiment":"neutral","sentiment_score":0.1148861074751174},{"text":"Beautiful.","start":1997.915,"end":1998.415,"sentiment":"positive","sentiment_score":0.6257938146591187}],"sentiment":"neutral","sentiment_score":0.14803222305516697,"num_words":67,"start":1984.555,"end":1998.415},{"sentences":[{"text":"Fantastic.","start":1999.07,"end":1999.57,"sentiment":"positive","sentiment_score":0.7671756744384766},{"text":"I've got so estate planning wise, we're just sort of looking at making sure everything can be directed to your will.","start":2001.39,"end":2007.41,"sentiment":"positive","sentiment_score":0.3874666066396804},{"text":"Just sort of clarify, income we're looking at income protection to increase that benefit of that to cover you up to 70% of your income.","start":2007.95,"end":2014.865,"sentiment":"neutral","sentiment_score":0.20371596932411193},{"text":"You do have a four week waiting period and a five year benefit period on that policy as well.","start":2015.245,"end":2020.045,"sentiment":"neutral","sentiment_score":0.16275788137787267},{"text":"You're fairly comfortable with that?","start":2020.045,"end":2021.5651,"sentiment":"neutral","sentiment_score":0.23639558553695678}],"sentiment":"neutral","sentiment_score":0.2573415678991398,"num_words":71,"start":1999.07,"end":2021.5651},{"sentences":[{"text":"Did you have any questions around the benefit or waiting period?","start":2021.5651,"end":2024.785,"sentiment":"neutral","sentiment_score":0.04047257622534579},{"text":"Not beautiful.","start":2027.25,"end":2027.91,"sentiment":"negative","sentiment_score":-0.4163726568222046},{"text":"We're have to come through with the life and CBD benefits that we do hold at the moment, and just looking at your super working towards the age of 60 for retirement.","start":2028.21,"end":2037.51,"sentiment":"neutral","sentiment_score":-0.08707423752639443},{"text":"Access income is around about 1,700 per week currently.","start":2038.05,"end":2041.785,"sentiment":"neutral","sentiment_score":-0.049902820545766086},{"text":"That could definitely change.","start":2041.785,"end":2043.245,"sentiment":"neutral","sentiment_score":-0.08607218228280544}],"sentiment":"neutral","sentiment_score":-0.06840235672505765,"num_words":58,"start":2021.5651,"end":2043.245},{"sentences":[{"text":"We're looking at being a growth investor, and I'll go back and reassess the super fund as well as the investments within that to keep you in that risk profile, but to see if anything needs to be switched out or changed or updated since you were onboarded originally.","start":2043.9451,"end":2058.98,"sentiment":"neutral","sentiment_score":0.026907054365289455},{"text":"Does that sound correct?","start":2058.98,"end":2060.1,"sentiment":"neutral","sentiment_score":0.03201472666114569},{"text":"Have I missed anything at all there?","start":2060.1,"end":2062.04,"sentiment":"neutral","sentiment_score":-0.052265991057668416},{"text":"Yeah.","start":2065.22,"end":2065.62,"sentiment":"neutral","sentiment_score":0.155450701713562},{"text":"Beautiful.","start":2065.62,"end":2066.12,"sentiment":"positive","sentiment_score":0.38566792011260986}],"sentiment":"neutral","sentiment_score":0.026157439596229983,"num_words":62,"start":2043.9451,"end":2066.12},{"sentences":[{"text":"We'll hold off on any additional contributions and other advice at the moment.","start":2066.42,"end":2070.26,"sentiment":"neutral","sentiment_score":0.13413385989574286},{"text":"Just a way for you to go through that settlement side of things.","start":2070.26,"end":2073.135,"sentiment":"neutral","sentiment_score":0.1568029047204898},{"text":"Is there any other goals?","start":2073.995,"end":2075.3552,"sentiment":"neutral","sentiment_score":0.04380156844854355},{"text":"I know you're down the track.","start":2075.3552,"end":2076.235,"sentiment":"neutral","sentiment_score":0.030072904502352078},{"text":"You sort of mentioned, like, to buy property as well.","start":2076.235,"end":2078.5552,"sentiment":"neutral","sentiment_score":0.05304664373397827}],"sentiment":"neutral","sentiment_score":0.10025722652356675,"num_words":47,"start":2066.42,"end":2078.5552},{"sentences":[{"text":"You know, once everything kinda goes through and deciding what to do with the business as well.","start":2078.5552,"end":2083.115,"sentiment":"neutral","sentiment_score":0.07094564332681544},{"text":"Is there any other goals down the track that you might have as well?","start":2083.115,"end":2086.3352,"sentiment":"neutral","sentiment_score":0.06418631398784262},{"text":"Yeah.","start":2094.8801,"end":2095.28,"sentiment":"neutral","sentiment_score":0.08205801248550415},{"text":"Perfect.","start":2095.28,"end":2095.76,"sentiment":"neutral","sentiment_score":0.20109327137470245},{"text":"Where would you like to travel to?","start":2095.76,"end":2097.54,"sentiment":"neutral","sentiment_score":0.05757907671587808}],"sentiment":"neutral","sentiment_score":0.06977222883142531,"num_words":40,"start":2078.5552,"end":2097.54},{"sentences":[{"text":"I love it.","start":2102.185,"end":2103.2449,"sentiment":"neutral","sentiment_score":-0.20628119011720022},{"text":"With the kids?","start":2103.305,"end":2104.205,"sentiment":"neutral","sentiment_score":-0.06527186681826909},{"text":"Yeah.","start":2107.625,"end":2108.125,"sentiment":"positive","sentiment_score":0.336239755153656},{"text":"That's fantastic.","start":2108.265,"end":2109.085,"sentiment":"positive","sentiment_score":0.7930112481117249},{"text":"That's been I definitely wanna see you do that.","start":2109.865,"end":2112.265,"sentiment":"positive","sentiment_score":0.7203508880403307}],"sentiment":"positive","sentiment_score":0.42170894849631524,"num_words":18,"start":2102.185,"end":2112.265},{"sentences":[{"text":"That is for sure.","start":2112.265,"end":2113.405,"sentiment":"positive","sentiment_score":0.3735776022076607},{"text":"Do you think it's something you'd like to do, take the kids with you, or do you think you'd like to just give it a crack on your own and see how you feel?","start":2113.63,"end":2119.55,"sentiment":"neutral","sentiment_score":0.18633988083285444},{"text":"Travel to adult only cases?","start":2119.55,"end":2120.99,"sentiment":"neutral","sentiment_score":0.014876116439700127},{"text":"What are you thinking?","start":2120.99,"end":2121.89,"sentiment":"neutral","sentiment_score":0.022619132418185472},{"text":"Yep.","start":2126.27,"end":2126.77,"sentiment":"neutral","sentiment_score":0.04180608317255974}],"sentiment":"neutral","sentiment_score":0.1674276990039895,"num_words":48,"start":2112.265,"end":2126.77},{"sentences":[{"text":"Yep.","start":2128.67,"end":2129.115,"sentiment":"neutral","sentiment_score":0.06464846432209015},{"text":"Perfect.","start":2132.795,"end":2133.295,"sentiment":"positive","sentiment_score":0.4445540010929108},{"text":"Perfect.","start":2133.675,"end":2134.175,"sentiment":"positive","sentiment_score":0.3905014097690582},{"text":"I have them here your next of kin is your mom.","start":2135.195,"end":2137.595,"sentiment":"neutral","sentiment_score":0.15575135566971518},{"text":"Are you happy keeping your mom, Angela, down as next of kin on file, or did you wanna change or alter that?","start":2137.595,"end":2143.055,"sentiment":"neutral","sentiment_score":0.061759183521975174}],"sentiment":"neutral","sentiment_score":0.11032418958428833,"num_words":36,"start":2128.67,"end":2143.055},{"sentences":[{"text":"That's all good.","start":2144.44,"end":2145.42,"sentiment":"neutral","sentiment_score":0.26725620528062183},{"text":"Yep.","start":2145.56,"end":2146.04,"sentiment":"neutral","sentiment_score":0.1765414923429489},{"text":"Perfect.","start":2146.04,"end":2146.52,"sentiment":"positive","sentiment_score":0.4268494248390198},{"text":"Excellent.","start":2146.52,"end":2147.02,"sentiment":"positive","sentiment_score":0.47430288791656494},{"text":"Thank you so much for that.","start":2147.08,"end":2148.62,"sentiment":"positive","sentiment_score":0.5857243239879608}],"sentiment":"positive","sentiment_score":0.44948403040568036,"num_words":12,"start":2144.44,"end":2148.62},{"sentences":[{"text":"Now just to kinda go through now, I'm not sure how much has Maddie gone through sort of the fees with you and the re onboarding sort of process and how that looks?","start":2148.84,"end":2156.835,"sentiment":"neutral","sentiment_score":0.01640630127495211},{"text":"No.","start":2159.4749,"end":2159.7148,"sentiment":"neutral","sentiment_score":-0.07047802209854126},{"text":"That's okay.","start":2159.7148,"end":2160.535,"sentiment":"neutral","sentiment_score":-0.03920117951929569},{"text":"So re onboarding means that we are just gonna have to go back through and do a new essentially, a new advice document, go through the research again to kind of re onboard everything.","start":2160.595,"end":2169.095,"sentiment":"neutral","sentiment_score":-0.004446596764918307},{"text":"It means updating everything.","start":2169.46,"end":2170.98,"sentiment":"neutral","sentiment_score":0.020615121349692345}],"sentiment":"neutral","sentiment_score":0.0043757264368626215,"num_words":74,"start":2148.84,"end":2170.98},{"sentences":[{"text":"So we do charge an implementation fee once we kinda go through the advice.","start":2170.98,"end":2175.0,"sentiment":"neutral","sentiment_score":-0.004762876379702773},{"text":"That's the same as last time is just charged if you take on the advice, essentially.","start":2175.3,"end":2179.4001,"sentiment":"neutral","sentiment_score":-0.012797928648069501},{"text":"It comes out of your super at the time that we, you know, receive access to it essentially and start altering the investment.","start":2179.46,"end":2187.125,"sentiment":"neutral","sentiment_score":0.03022795502582322},{"text":"It is 4,950, the implementation fee.","start":2187.5852,"end":2191.205,"sentiment":"neutral","sentiment_score":0.0060788425616919994},{"text":"And then we do obviously turn our ongoing service fee back on.","start":2191.3452,"end":2194.465,"sentiment":"neutral","sentiment_score":0.013022241027404865}],"sentiment":"neutral","sentiment_score":0.008683602614197093,"num_words":71,"start":2170.98,"end":2194.465},{"sentences":[{"text":"It is 1.65% the same as it was last time.","start":2194.465,"end":2197.925,"sentiment":"neutral","sentiment_score":0.0009324735030531884},{"text":"However, our fee our ongoing fee structure is now changing to a tiered structure.","start":2198.22,"end":2203.04,"sentiment":"neutral","sentiment_score":-0.05930172811661448},{"text":"So your it's think of it like the tax system.","start":2203.58,"end":2206.48,"sentiment":"neutral","sentiment_score":-0.004596460610628128},{"text":"You have those set tiers in place.","start":2206.94,"end":2208.78,"sentiment":"neutral","sentiment_score":-0.0011232656792604498},{"text":"So for your balance up to 200,000, it's 1.65%.","start":2208.78,"end":2213.255,"sentiment":"neutral","sentiment_score":0.009691429634888967}],"sentiment":"neutral","sentiment_score":-0.01575008115498349,"num_words":50,"start":2194.465,"end":2213.255},{"sentences":[{"text":"Once your balance goes over that 200,000, then you drop into the next tier and your ongoing service fee drops to 1.375.","start":2213.255,"end":2221.575,"sentiment":"neutral","sentiment_score":0.04665960921821269},{"text":"And then when your balance is 500,000, it drops into the tier below that, which is 1.10.","start":2221.575,"end":2226.88,"sentiment":"neutral","sentiment_score":0.02283005290390814},{"text":"So the idea of the newer fee structure is that each time your balance increases beyond that tier, you drop into the lower tier, and it ends up being a lower lower percentage for the rest for the next tier down.","start":2226.88,"end":2239.04,"sentiment":"neutral","sentiment_score":0.058735902625613096},{"text":"So the idea is it sort of keeps it a bit there.","start":2239.04,"end":2241.78,"sentiment":"neutral","sentiment_score":0.06912925870468219},{"text":"We also know that as a set dollar figure fee.","start":2241.995,"end":2244.155,"sentiment":"neutral","sentiment_score":0.03299887161701918}],"sentiment":"neutral","sentiment_score":0.048846413043565025,"num_words":102,"start":2213.255,"end":2244.155},{"sentences":[{"text":"So one of the things you'll probably remember is we used to give you a estimate on how much that fee was meant to be.","start":2244.155,"end":2249.455,"sentiment":"neutral","sentiment_score":0.01746720790863037},{"text":"We don't do that anymore.","start":2249.835,"end":2251.055,"sentiment":"neutral","sentiment_score":-0.05226112902164459},{"text":"We actually work out for the year as a set dollar figure fee how much that will be, And that means that, like, if the way it used to be is if you've got a 20 or, you know, 15 or 20% return, your fee would go up with that.","start":2251.355,"end":2264.61,"sentiment":"neutral","sentiment_score":0.03577339768409729},{"text":"That no longer happens.","start":2264.67,"end":2265.79,"sentiment":"neutral","sentiment_score":-0.02652845485135913},{"text":"We essentially work out what tier structure you work in for the ongoing service fee, and then we add 5% growth to that amount, and that's how much you pay for the year.","start":2265.79,"end":2275.2048,"sentiment":"neutral","sentiment_score":0.13140462655009646}],"sentiment":"neutral","sentiment_score":0.052942592252650834,"num_words":117,"start":2244.155,"end":2275.2048},{"sentences":[{"text":"So it gives you a lot more certainty around how much the ongoing service fee is that particularly it.","start":2275.2048,"end":2280.425,"sentiment":"neutral","sentiment_score":0.2417733559482976},{"text":"And it also means that the more your balance grows, the lower the fee or the lower the tier is going to be or the lower the percentage within that tier is going to be as well.","start":2280.645,"end":2289.5498,"sentiment":"neutral","sentiment_score":0.20592526567948832},{"text":"So it works out to be a lot more favorable for you as a client, but it also means that we're able to charge our ongoing services and keep providing our advice there.","start":2289.5498,"end":2298.4648,"sentiment":"positive","sentiment_score":0.34523438504247955},{"text":"Does that make sense?","start":2298.4648,"end":2299.4248,"sentiment":"neutral","sentiment_score":0.10961112380027771},{"text":"Do you have any questions?","start":2299.4248,"end":2300.7249,"sentiment":"neutral","sentiment_score":0.043685024976730345}],"sentiment":"neutral","sentiment_score":0.24757686652699296,"num_words":98,"start":2275.2048,"end":2300.7249},{"sentences":[{"text":"That's okay.","start":2303.265,"end":2304.065,"sentiment":"positive","sentiment_score":0.3916288912296295},{"text":"Beautiful.","start":2304.065,"end":2304.4648,"sentiment":"positive","sentiment_score":0.6657072305679321},{"text":"We wanted to sort of make it fair and changes that worked for our clients and making that step here structure works really well.","start":2304.4648,"end":2311.2048,"sentiment":"positive","sentiment_score":0.5379779500265917},{"text":"I'm not sure if you remember the the SDS we used to provide.","start":2311.85,"end":2315.05,"sentiment":"neutral","sentiment_score":0.03196874561791237},{"text":"They used to essentially give you an idea or an estimate on the fee for the next twelve months.","start":2315.05,"end":2319.31,"sentiment":"neutral","sentiment_score":0.0954612536649955}],"sentiment":"neutral","sentiment_score":0.2811829377344604,"num_words":59,"start":2303.265,"end":2319.31},{"sentences":[{"text":"This gives you a lot more certainty there.","start":2319.45,"end":2321.53,"sentiment":"neutral","sentiment_score":0.1671998454257846},{"text":"So it's about making sure that it's there.","start":2321.53,"end":2324.25,"sentiment":"neutral","sentiment_score":0.12127365544438362},{"text":"It's a good system, and I do like that as your balance increases over time, that net pay drops down and your fee gets lower, which is kind of cool.","start":2324.25,"end":2332.215,"sentiment":"positive","sentiment_score":0.8313564002513886},{"text":"So it's about making sure that your balance is working harder for you.","start":2332.215,"end":2336.235,"sentiment":"positive","sentiment_score":0.5209636413134061},{"text":"Because we do go through the onboarding process again, and I do have to do the research.","start":2336.5352,"end":2340.5352,"sentiment":"neutral","sentiment_score":0.28839726395466747}],"sentiment":"positive","sentiment_score":0.5121547478790346,"num_words":76,"start":2319.45,"end":2340.5352},{"sentences":[{"text":"I do have to charge the implementation fee again.","start":2340.5352,"end":2342.78,"sentiment":"neutral","sentiment_score":0.12025042374928792},{"text":"So it is 4,950 just so you're fully aware.","start":2342.78,"end":2346.48,"sentiment":"neutral","sentiment_score":0.15409847017791536},{"text":"But we don't turn any of this back on until you decide to take the advice.","start":2347.1,"end":2351.1199,"sentiment":"neutral","sentiment_score":0.046732323709875345},{"text":"And, again, the same as every other advice case, it's all, you know, up to you.","start":2351.34,"end":2355.26,"sentiment":"neutral","sentiment_score":0.11638210900127888},{"text":"I will give you the advice, show you what I'm recommending we do, how this works for you, the projected outcome based on, you know, the next couple of years to sort of show you the what we're projecting to to look like, essentially.","start":2355.26,"end":2367.4749,"sentiment":"neutral","sentiment_score":0.22521258094771343}],"sentiment":"neutral","sentiment_score":0.15945026096194348,"num_words":94,"start":2340.5352,"end":2367.4749},{"sentences":[{"text":"And then you get to take it away, read it.","start":2367.855,"end":2369.855,"sentiment":"neutral","sentiment_score":0.144759389013052},{"text":"Let me know if you happen to have any questions in this side, whether you're happy to take the advice.","start":2369.855,"end":2374.01,"sentiment":"neutral","sentiment_score":0.14752532504498958},{"text":"Does that sound okay?","start":2374.01,"end":2375.1501,"sentiment":"neutral","sentiment_score":0.11018383502960205},{"text":"Yep.","start":2377.61,"end":2378.01,"sentiment":"neutral","sentiment_score":0.30455631017684937},{"text":"Beautiful.","start":2378.01,"end":2378.51,"sentiment":"positive","sentiment_score":0.6392165422439575}],"sentiment":"neutral","sentiment_score":0.16062801621026462,"num_words":36,"start":2367.855,"end":2378.51},{"sentences":[{"text":"Excellent.","start":2378.6501,"end":2379.1501,"sentiment":"positive","sentiment_score":0.6552026271820068},{"text":"It'll take you just a couple of weeks to kinda get through the research and come back with the advice page.","start":2379.6902,"end":2385.47,"sentiment":"positive","sentiment_score":0.3944590829667591},{"text":"Am I able to take some time now just to book you back in to go to the advice with me in a few weeks?","start":2386.2651,"end":2391.5652,"sentiment":"neutral","sentiment_score":0.11890759378671646},{"text":"Yeah.","start":2393.705,"end":2394.205,"sentiment":"neutral","sentiment_score":0.1643086075782776},{"text":"Fantastic.","start":2394.2651,"end":2394.7651,"sentiment":"positive","sentiment_score":0.3624350428581238}],"sentiment":"neutral","sentiment_score":0.25384238499159717,"num_words":49,"start":2378.6501,"end":2394.7651},{"sentences":[{"text":"What time of day generally suits you there?","start":2395.625,"end":2398.7651,"sentiment":"neutral","sentiment_score":0.06894294125959277},{"text":"Yeah.","start":2403.64,"end":2403.96,"sentiment":"neutral","sentiment_score":0.06092806160449982},{"text":"Absolutely.","start":2403.96,"end":2404.46,"sentiment":"neutral","sentiment_score":0.09449680149555206},{"text":"Okay.","start":2405.0798,"end":2405.5798,"sentiment":"neutral","sentiment_score":0.062225811183452606},{"text":"So just looking at the calendar.","start":2406.1199,"end":2411.42,"sentiment":"neutral","sentiment_score":0.04596696235239506}],"sentiment":"neutral","sentiment_score":0.06147035167497747,"num_words":17,"start":2395.625,"end":2411.42},{"sentences":[{"text":"Does the Thursday still work for you okay?","start":2412.815,"end":2415.635,"sentiment":"neutral","sentiment_score":0.03262112708762288},{"text":"That'd be okay?","start":2419.295,"end":2420.015,"sentiment":"neutral","sentiment_score":0.09705276787281036},{"text":"Yep.","start":2420.015,"end":2420.255,"sentiment":"neutral","sentiment_score":0.1033799573779106},{"text":"Beautiful.","start":2420.255,"end":2420.7349,"sentiment":"neutral","sentiment_score":0.25202476978302},{"text":"So I could do 04:00 on Thursday, October 16.","start":2420.7349,"end":2424.4148,"sentiment":"neutral","sentiment_score":0.04698686218923993}],"sentiment":"neutral","sentiment_score":0.06047335487197746,"num_words":22,"start":2412.815,"end":2424.4148},{"sentences":[{"text":"Would that be alright?","start":2424.4148,"end":2425.4749,"sentiment":"neutral","sentiment_score":0.046161760576069355},{"text":"Yep.","start":2427.9102,"end":2428.31,"sentiment":"neutral","sentiment_score":0.2255137413740158},{"text":"Perfect.","start":2428.31,"end":2428.81,"sentiment":"positive","sentiment_score":0.551069974899292},{"text":"I'll book it in there for you.","start":2428.87,"end":2430.1501,"sentiment":"positive","sentiment_score":0.39994092498506817},{"text":"I'll add a text message reminder in there just so it lets you, you know, give you a prompt.","start":2430.1501,"end":2434.55,"sentiment":"neutral","sentiment_score":0.26144055551604223}],"sentiment":"neutral","sentiment_score":0.27275586838368326,"num_words":32,"start":2424.4148,"end":2434.55},{"sentences":[{"text":"That way, if anything happens to come up, you can let us know it's not an issue.","start":2434.55,"end":2437.9302,"sentiment":"neutral","sentiment_score":0.25881118393119645},{"text":"I'll go back and do all the research, have a look at what we can do.","start":2438.265,"end":2441.325,"sentiment":"neutral","sentiment_score":0.2693171976134181},{"text":"I can see that the statement here is definitely some changes I'd love to make to your portfolio, some investments that no longer sort of fit the current climate there.","start":2441.545,"end":2449.645,"sentiment":"neutral","sentiment_score":0.2533935328324636},{"text":"And I'll show you what that looks like as a whole.","start":2449.865,"end":2451.865,"sentiment":"neutral","sentiment_score":0.29599671201272443},{"text":"We'll go through it together, and then you get to take that back and have a bit of a read through it as well.","start":2451.865,"end":2457.8923,"sentiment":"neutral","sentiment_score":0.30973499454557896}],"sentiment":"neutral","sentiment_score":0.27551300994747757,"num_words":98,"start":2434.55,"end":2457.8923},{"sentences":[{"text":"How does that sound, Darren?","start":2457.8923,"end":2459.3098,"sentiment":"positive","sentiment_score":0.6699493885040283},{"text":"Beautiful.","start":2459.3098,"end":2459.5935,"sentiment":"positive","sentiment_score":0.7180960774421692},{"text":"Do you happen to have any questions or anything that maybe I haven't touched on that you wanted to ask me while you've got me here today at all?","start":2459.5935,"end":2467.815,"sentiment":"neutral","sentiment_score":0.19822155581466083},{"text":"No?","start":2470.4548,"end":2470.9548,"sentiment":"neutral","sentiment_score":0.1206257790327072},{"text":"Fantastic.","start":2472.055,"end":2472.555,"sentiment":"positive","sentiment_score":0.7119216918945312}],"sentiment":"neutral","sentiment_score":0.2878058272841814,"num_words":37,"start":2457.8923,"end":2472.555},{"sentences":[{"text":"Look.","start":2473.175,"end":2473.4949,"sentiment":"positive","sentiment_score":0.7668164968490601},{"text":"I have thoroughly enjoyed meeting with you today.","start":2473.4949,"end":2476.055,"sentiment":"positive","sentiment_score":0.8984941616654396},{"text":"I look forward to putting this advice document together and us going through it in a couple of weeks.","start":2476.055,"end":2480.2349,"sentiment":"positive","sentiment_score":0.7449061462753698},{"text":"If you do happen to have any questions, please reach out to myself or Maddie, and I'll talk to you on the fifteenth.","start":2480.44,"end":2486.28,"sentiment":"neutral","sentiment_score":0.2930446895568267},{"text":"If I don't look forward, I hope you have a good weekend.","start":2486.28,"end":2488.7,"sentiment":"positive","sentiment_score":0.3947221127649148}],"sentiment":"positive","sentiment_score":0.5330901552760412,"num_words":63,"start":2473.175,"end":2488.7},{"sentences":[{"text":"Easy.","start":2491.4001,"end":2491.8801,"sentiment":"positive","sentiment_score":0.5732212066650391},{"text":"Thanks so much for your time, Jared, and talk to you soon.","start":2491.8801,"end":2494.62,"sentiment":"positive","sentiment_score":0.7841760267814001},{"text":"Thanks.","start":2495.343,"end":2495.843,"sentiment":"positive","sentiment_score":0.6955709457397461},{"text":"Yeah.","start":2496.943,"end":2497.343,"sentiment":"neutral","sentiment_score":0.15257537364959717},{"text":"Bye.","start":2497.343,"end":2497.843,"sentiment":"neutral","sentiment_score":-0.0929693654179573}],"sentiment":"positive","sentiment_score":0.6711569051258266,"num_words":16,"start":2491.4001,"end":2497.843}]}}]},{"alternatives":[{"transcript":"Hello? Speaking. Yeah. Good. Yourself? Yes. Correct. Yeah. Yep. Yep. Yeah. It's Jared Angelo Borschman. Address is 5 Wellington Street, Wangaratta, Victoria 36 77, and date of birth is 04/05/1988. Yeah. Busy. Busy. Yeah. Yeah. Which will be good. Yeah. Yep. Yeah. Sounds good. Yes. Correct. So we had mediation and they didn't really agree to anything. So my solicitor is in the process of putting together a final proposal to them. And then if that's not accepted, then they're gonna take it to court. So it'll yeah. So it'll go through. So it is in the it is in the final stages, but it's just the time consuming thing trying to get them to a degree to to a greater something. So that's alright. Yeah. So she's hoping to retain the house and obviously buy me out of it. So and they're looking at like a I believe they said a $60.40 share at the moment, but I think my solicitor is gonna try and go for more. So yeah. Yeah. So it will it will be split. So I believe hers is roughly a 140 something thousand. So it's it'll be, like, a $10,000 in her direction or something like that. So it won't be a massive amount. But yeah. Yep. Yeah. Hopefully, sooner the better. Yep. Yep. Yep. Yep. Yep. No. Not really. I haven't given it much I haven't given it much thought, to be honest. I don't wanna be I don't wanna be working till I'm 80. That's for sure. Yeah. Probably rather yeah. That'll be that'll be good to go. Yeah. Like, if if it pans out that way, I don't know. I'll see how it goes. Yep. Yeah. Yeah. Definitely. Yeah. I don't know. It's hard to tell because you don't know if the economy is gonna be a lot of that up then. So yeah. Yeah. Look. Probably I don't know. I reckon maybe $161,700 bucks a week. I reckon it'd be plenty, especially if I'm traveling and doing things. Yes. No. Not currently. Probably put it on the back burner for now just until all this sort of stuff's finalized. Because if I start doing because the more I put into my super now is the more that it's gonna get separated. So it's because what they're gonna do is they're gonna put it all in a pool and then divvy it $50.50. So we both have the same amount of super. So it's yeah. Just hold on two seconds. I just got my daughter wanting something. Which one, please? I wanna try something in my box, but he just un downloaded it and lost my thing. And now he said, I can't now I can't join it. Oh, how about you play it on your own for a minute? Daddy's on the phone, and I'll come and sort it out in a minute. Okay? Don't get upset. You'll be fine. Alright. I'm back. No. That's no. That's alright. No. All good. They're all fine. Yeah. I'll sort it out. She's six. My middle boy is eight turning nine, and my oldest son's 14, 10, 15. Yep. Yep. So attitude everywhere. Yeah. I know. I know. Yep. Yep. Yeah. Right there. Probably high. Yeah. No. I haven't. I've got no idea about them at the moment. I would like to learn, though. Yeah. I understand they go up and up and down, but I'd I'd I'd like to learn a bit more about it and, like, the patterns that go up and down and stuff in. So Yes. Yep. Okay. Yeah. Yep. Yeah. Probably a bit cautious and yeah. And just yeah. But willing to yeah. Curious and cautious at the same time. So Yep. Yep. No worries. Yeah. Probably whatever gets me the most return, really. So, yeah, probably probably between mid to high risk there. Probably if it if it dropped probably around the 10 to 20%, I reckon I'd start be worrying about it. Yeah. I'd probably probably call you guys and see if there's any other options. Just try and try and boost it rather yeah. Yeah. Yeah. That yeah. Be comfortable with that. I haven't actually seen it drop. So, yeah, I haven't seen it drop. Not that I've noticed anyway. It could've dropped, and I hadn't seen it yet. But, yeah, I I haven't seen it actually decrease since since I've yeah. Since I've had two per se. Yeah. Yeah. Yeah. That sounds good. Yep. Probably Harrick. Probably a balance of the two, I think. No. I'll be pretty comfy. If I had the right advice, I'd be pretty comfortable with it, but, yeah, probably more so real estate than anything. Yeah. I I do want to. I just as as I was just waiting for all this sort of stuff to settle before I can do that because anything I get at the moment, we'll go straight into the pool. So I was gonna just bode my time. Yep. Yep. Yep. I'm pretty comfortable with that. Yep. Okay. No. No. No. That's not me. Yeah. Yep. Yep. Yep. Yeah. Probably just go to the kids. Three ways. Equal. Right. Yeah. Yep. Yep. Yep. Yep. Yes. Yes. So I've I've actually just done my wheel and all that sort of stuff through this list of that. So that I reckon that all of it will just go if that is the case, it just goes to my state. So it will go to the executor of the will, and they'll distribute the funds accordingly. Yeah. Yep. No worries. Yes. I have done that. Yeah. Vaguely, it's like if you if you're unable to work or something like that, isn't it? You get there. Yeah. Yeah. Yep. Okay. It's just terrible. Yep. No. I reckon I reckon as it sits, it's pretty good. Yeah. Yeah. Probably look at increasing it. Yeah. Yes. Yes, please. Yep. Yep. No worries. No. This is pretty straightforward. Been through it all before, so it's pretty straightforward. Yeah. Yeah. Just happy with what I've got at the moment. Yeah. No. Not really. Yes. Yep. Okay. Yeah. Yep. Yeah. Still got them. Yeah. That's about right. Yep. Yep. No. Not really. Yeah. Yeah. Roughly. Yeah. Yep. Yeah. That's right. Yeah. Works dropped off heaps. So and yeah. So that's all tied up in the settlement stuff as well. So yeah. Potentially. Yeah. Yeah. I'll either close it down or it'll or I'll keep ticking it over. Yep. Yeah. No. No. No. That sounds all pretty right. Not really. Just probably yeah. Probably just buy a property and and potentially travel a bit. That's probably about it. Anywhere and everywhere. I've never I've never act I've never actually been overseas, so I'd long to go anywhere. So yeah. Yeah. Probably with my with my partner. I'll probably probably get somewhere with a new partner first and then and then eventually just figure out where it's good for the kids to take. So yeah. Yeah. No. I'll leave that there. No. Yep. Yep. Yep. Yeah. No. That sounds good. Yep. Yes. Yes. Good. Yep. Yeah. No dramas. Probably at the same time. Probably at 04:00. Yeah. It says that'll be fine. Yeah. Yep. That's fine. Yep. Yeah. That sounds great. No. No. Pretty straightforward. Yeah. No worries. You too. No worries. Thanks, Donna. 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Speaking. Yeah. Good. Yourself?\n\nYes. Correct. Yeah. Yep. Yep.\n\nYeah. It's Jared Angelo Borschman. Address is 5 Wellington Street, Wangaratta, Victoria 36 77, and date of birth is 04/05/1988. Yeah. Busy.\n\nBusy. Yeah. Yeah. Which will be good. Yeah.\n\nYep. Yeah. Sounds good. Yes. Correct.\n\nSo we had mediation and they didn't really agree to anything. So my solicitor is in the process of putting together a final proposal to them. And then if that's not accepted, then they're gonna take it to court. So it'll yeah. So it'll go through.\n\nSo it is in the it is in the final stages, but it's just the time consuming thing trying to get them to a degree to to a greater something. So that's alright. Yeah. So she's hoping to retain the house and obviously buy me out of it. So and they're looking at like a I believe they said a $60.40 share at the moment, but I think my solicitor is gonna try and go for more.\n\nSo yeah. Yeah. So it will it will be split. So I believe hers is roughly a 140 something thousand. So it's it'll be, like, a $10,000 in her direction or something like that.\n\nSo it won't be a massive amount. But yeah. Yep. Yeah. Hopefully, sooner the better.\n\nYep. Yep. Yep. Yep. Yep.\n\nNo. Not really. I haven't given it much I haven't given it much thought, to be honest. I don't wanna be I don't wanna be working till I'm 80. That's for sure.\n\nYeah. Probably rather yeah. That'll be that'll be good to go. Yeah. Like, if if it pans out that way, I don't know.\n\nI'll see how it goes. Yep. Yeah. Yeah. Definitely.\n\nYeah. I don't know. It's hard to tell because you don't know if the economy is gonna be a lot of that up then. So yeah. Yeah.\n\nLook. Probably I don't know. I reckon maybe $161,700 bucks a week. I reckon it'd be plenty, especially if I'm traveling and doing things. Yes.\n\nNo. Not currently. Probably put it on the back burner for now just until all this sort of stuff's finalized. Because if I start doing because the more I put into my super now is the more that it's gonna get separated. So it's because what they're gonna do is they're gonna put it all in a pool and then divvy it $50.50.\n\nSo we both have the same amount of super. So it's yeah. Just hold on two seconds. I just got my daughter wanting something. Which one, please?\n\nI wanna try something in my box, but he just un downloaded it and lost my thing. And now he said, I can't now I can't join it. Oh, how about you play it on your own for a minute? Daddy's on the phone, and I'll come and sort it out in a minute. Okay?\n\nDon't get upset. You'll be fine. Alright. I'm back. No.\n\nThat's no. That's alright. No. All good. They're all fine.\n\nYeah. I'll sort it out. She's six. My middle boy is eight turning nine, and my oldest son's 14, 10, 15. Yep.\n\nYep. So attitude everywhere. Yeah. I know. I know.\n\nYep. Yep. Yeah. Right there. Probably high.\n\nYeah. No. I haven't. I've got no idea about them at the moment. I would like to learn, though.\n\nYeah. I understand they go up and up and down, but I'd I'd I'd like to learn a bit more about it and, like, the patterns that go up and down and stuff in. So Yes. Yep. Okay.\n\nYeah. Yep. Yeah. Probably a bit cautious and yeah. And just yeah.\n\nBut willing to yeah. Curious and cautious at the same time. So Yep. Yep. No worries.\n\nYeah. Probably whatever gets me the most return, really. So, yeah, probably probably between mid to high risk there. Probably if it if it dropped probably around the 10 to 20%, I reckon I'd start be worrying about it. Yeah.\n\nI'd probably probably call you guys and see if there's any other options. Just try and try and boost it rather yeah. Yeah. Yeah. That yeah.\n\nBe comfortable with that. I haven't actually seen it drop. So, yeah, I haven't seen it drop. Not that I've noticed anyway. It could've dropped, and I hadn't seen it yet.\n\nBut, yeah, I I haven't seen it actually decrease since since I've yeah. Since I've had two per se. Yeah. Yeah. Yeah.\n\nThat sounds good. Yep. Probably Harrick. Probably a balance of the two, I think. No.\n\nI'll be pretty comfy. If I had the right advice, I'd be pretty comfortable with it, but, yeah, probably more so real estate than anything. Yeah. I I do want to. I just as as I was just waiting for all this sort of stuff to settle before I can do that because anything I get at the moment, we'll go straight into the pool.\n\nSo I was gonna just bode my time. Yep. Yep. Yep. I'm pretty comfortable with that.\n\nYep. Okay. No. No. No.\n\nThat's not me. Yeah. Yep. Yep. Yep.\n\nYeah. Probably just go to the kids. Three ways. Equal. Right.\n\nYeah. Yep. Yep. Yep. Yep.\n\nYes. Yes. So I've I've actually just done my wheel and all that sort of stuff through this list of that. So that I reckon that all of it will just go if that is the case, it just goes to my state. So it will go to the executor of the will, and they'll distribute the funds accordingly.\n\nYeah. Yep. No worries. Yes. I have done that.\n\nYeah. Vaguely, it's like if you if you're unable to work or something like that, isn't it? You get there. Yeah. Yeah.\n\nYep. Okay. It's just terrible. Yep. No.\n\nI reckon I reckon as it sits, it's pretty good. Yeah. Yeah. Probably look at increasing it. Yeah.\n\nYes. Yes, please. Yep. Yep. No worries.\n\nNo. This is pretty straightforward. Been through it all before, so it's pretty straightforward. Yeah. Yeah.\n\nJust happy with what I've got at the moment. Yeah. No. Not really. Yes.\n\nYep. Okay. Yeah. Yep. Yeah.\n\nStill got them. Yeah. That's about right. Yep. Yep.\n\nNo. Not really. Yeah. Yeah. Roughly.\n\nYeah. Yep. Yeah. That's right. Yeah.\n\nWorks dropped off heaps. So and yeah. So that's all tied up in the settlement stuff as well. So yeah. Potentially.\n\nYeah. Yeah. I'll either close it down or it'll or I'll keep ticking it over. Yep. Yeah.\n\nNo. No. No. That sounds all pretty right. Not really.\n\nJust probably yeah. Probably just buy a property and and potentially travel a bit. That's probably about it. Anywhere and everywhere. I've never I've never act I've never actually been overseas, so I'd long to go anywhere.\n\nSo yeah. Yeah. Probably with my with my partner. I'll probably probably get somewhere with a new partner first and then and then eventually just figure out where it's good for the kids to take. So yeah.\n\nYeah. No. I'll leave that there. No. Yep.\n\nYep. Yep. Yeah. No. That sounds good.\n\nYep. Yes. Yes. Good. Yep.\n\nYeah. No dramas. Probably at the same time. Probably at 04:00. Yeah.\n\nIt says that'll be fine. Yeah. Yep. That's fine. Yep.\n\nYeah. That sounds great. No. No. Pretty straightforward.\n\nYeah. No worries. You too. No worries. Thanks, Donna.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.76,"end":2.26,"sentiment":"neutral","sentiment_score":0.019784189760684967},{"text":"Speaking.","start":2.32,"end":2.82,"sentiment":"neutral","sentiment_score":0.03607512265443802},{"text":"Yeah.","start":6.96,"end":7.2799997,"sentiment":"neutral","sentiment_score":0.25961899757385254},{"text":"Good.","start":7.2799997,"end":7.52,"sentiment":"positive","sentiment_score":0.4448592960834503},{"text":"Yourself?","start":7.52,"end":8.02,"sentiment":"neutral","sentiment_score":0.3091782331466675}],"sentiment":"neutral","sentiment_score":0.21390316784381866,"num_words":5,"start":1.76,"end":8.02},{"sentences":[{"text":"Yes.","start":16.705,"end":17.025,"sentiment":"neutral","sentiment_score":0.1383388340473175},{"text":"Correct.","start":17.025,"end":17.525,"sentiment":"neutral","sentiment_score":0.20878705382347107},{"text":"Yeah.","start":22.305,"end":22.705,"sentiment":"neutral","sentiment_score":0.19529540836811063},{"text":"Yep.","start":22.705,"end":23.205,"sentiment":"neutral","sentiment_score":0.23562082648277283},{"text":"Yep.","start":32.81,"end":33.31,"sentiment":"neutral","sentiment_score":0.14899802207946777}],"sentiment":"neutral","sentiment_score":0.18540802896022796,"num_words":5,"start":16.705,"end":33.31},{"sentences":[{"text":"Yeah.","start":43.45,"end":43.69,"sentiment":"neutral","sentiment_score":0.04118787497282028},{"text":"It's Jared Angelo Borschman.","start":43.69,"end":45.39,"sentiment":"neutral","sentiment_score":0.031641590408980846},{"text":"Address is 5 Wellington Street, Wangaratta, Victoria 36 77, and date of birth is 04/05/1988.","start":46.045,"end":52.864998,"sentiment":"neutral","sentiment_score":0.03315131577352683},{"text":"Yeah.","start":56.765,"end":57.085,"sentiment":"neutral","sentiment_score":0.15860724449157715},{"text":"Busy.","start":57.085,"end":57.585,"sentiment":"neutral","sentiment_score":0.2073614597320557}],"sentiment":"neutral","sentiment_score":0.046863303519785404,"num_words":22,"start":43.45,"end":57.585},{"sentences":[{"text":"Busy.","start":57.805,"end":58.305,"sentiment":"neutral","sentiment_score":0.21436886489391327},{"text":"Yeah.","start":61.5,"end":61.82,"sentiment":"neutral","sentiment_score":0.15159808099269867},{"text":"Yeah.","start":61.82,"end":62.3,"sentiment":"neutral","sentiment_score":0.20121759176254272},{"text":"Which will be good.","start":62.3,"end":63.36,"sentiment":"neutral","sentiment_score":0.32473820447921753},{"text":"Yeah.","start":66.62,"end":67.12,"sentiment":"neutral","sentiment_score":0.06093277782201767}],"sentiment":"neutral","sentiment_score":0.2408837666735053,"num_words":8,"start":57.805,"end":67.12},{"sentences":[{"text":"Yep.","start":83.415,"end":83.915,"sentiment":"neutral","sentiment_score":0.14709997177124023},{"text":"Yeah.","start":104.854996,"end":105.174995,"sentiment":"neutral","sentiment_score":0.3206372559070587},{"text":"Sounds good.","start":105.174995,"end":105.994995,"sentiment":"positive","sentiment_score":0.6485723257064819},{"text":"Yes.","start":120.62,"end":120.86,"sentiment":"neutral","sentiment_score":0.03757510706782341},{"text":"Correct.","start":120.86,"end":121.36,"sentiment":"neutral","sentiment_score":0.06718616932630539}],"sentiment":"neutral","sentiment_score":0.3116071925808986,"num_words":6,"start":83.415,"end":121.36},{"sentences":[{"text":"So we had mediation and they didn't really agree to anything.","start":134.875,"end":139.835,"sentiment":"neutral","sentiment_score":-0.11570962044325742},{"text":"So my solicitor is in the process of putting together a final proposal to them.","start":139.835,"end":144.015,"sentiment":"neutral","sentiment_score":-0.03328789789229632},{"text":"And then if that's not accepted, then they're gonna take it to court.","start":145.09999,"end":149.28,"sentiment":"neutral","sentiment_score":-0.20546382722946313},{"text":"So it'll yeah.","start":149.34,"end":151.73999,"sentiment":"neutral","sentiment_score":-0.04031998850405216},{"text":"So it'll go through.","start":151.73999,"end":152.45999,"sentiment":"neutral","sentiment_score":-0.011687208665534854}],"sentiment":"neutral","sentiment_score":-0.1002361488569042,"num_words":46,"start":134.875,"end":152.45999},{"sentences":[{"text":"So it is in the it is in the final stages, but it's just the time consuming thing trying to get them to a degree to to a greater something.","start":152.45999,"end":161.365,"sentiment":"neutral","sentiment_score":-0.04357784539461136},{"text":"So that's alright.","start":163.865,"end":170.245,"sentiment":"neutral","sentiment_score":-0.09632902840773265},{"text":"Yeah.","start":183.85,"end":184.17,"sentiment":"neutral","sentiment_score":-0.1588532030582428},{"text":"So she's hoping to retain the house and obviously buy me out of it.","start":184.17,"end":189.945,"sentiment":"neutral","sentiment_score":-0.21781795578343527},{"text":"So and they're looking at like a I believe they said a $60.40 share at the moment, but I think my solicitor is gonna try and go for more.","start":189.945,"end":203.01428,"sentiment":"neutral","sentiment_score":-0.06294443496856196}],"sentiment":"neutral","sentiment_score":-0.08610409928800224,"num_words":77,"start":152.45999,"end":203.01428},{"sentences":[{"text":"So yeah.","start":203.30286,"end":205.38,"sentiment":"neutral","sentiment_score":-0.05737049877643585},{"text":"Yeah.","start":209.12001,"end":209.6,"sentiment":"neutral","sentiment_score":-0.04418085142970085},{"text":"So it will it will be split.","start":209.6,"end":211.61499,"sentiment":"neutral","sentiment_score":-0.05928249657154083},{"text":"So I believe hers is roughly a 140 something thousand.","start":211.61499,"end":217.855,"sentiment":"neutral","sentiment_score":0.10266885161399841},{"text":"So it's it'll be, like, a $10,000 in her direction or something like that.","start":217.855,"end":222.25499,"sentiment":"neutral","sentiment_score":0.14021444054586546}],"sentiment":"neutral","sentiment_score":0.07105268702349242,"num_words":34,"start":203.30286,"end":222.25499},{"sentences":[{"text":"So it won't be a massive amount.","start":222.25499,"end":224.095,"sentiment":"neutral","sentiment_score":0.10330667666026525},{"text":"But yeah.","start":224.095,"end":224.995,"sentiment":"neutral","sentiment_score":0.10881346836686134},{"text":"Yep.","start":241.425,"end":241.925,"sentiment":"positive","sentiment_score":0.39931878447532654},{"text":"Yeah.","start":250.065,"end":250.38501,"sentiment":"neutral","sentiment_score":0.08534248173236847},{"text":"Hopefully, sooner the better.","start":250.38501,"end":251.845,"sentiment":"neutral","sentiment_score":0.13405609875917435}],"sentiment":"neutral","sentiment_score":0.13077728897333146,"num_words":15,"start":222.25499,"end":251.845},{"sentences":[{"text":"Yep.","start":262.6,"end":263.1,"sentiment":"neutral","sentiment_score":0.03822071850299835},{"text":"Yep.","start":263.32,"end":263.82,"sentiment":"neutral","sentiment_score":0.12923067808151245},{"text":"Yep.","start":284.03,"end":284.53,"sentiment":"neutral","sentiment_score":0.16438579559326172},{"text":"Yep.","start":295.06998,"end":295.56998,"sentiment":"neutral","sentiment_score":0.1864645928144455},{"text":"Yep.","start":310.32498,"end":310.82498,"sentiment":"neutral","sentiment_score":0.1966593712568283}],"sentiment":"neutral","sentiment_score":0.14299223124980925,"num_words":5,"start":262.6,"end":310.82498},{"sentences":[{"text":"No.","start":314.19,"end":314.69,"sentiment":"neutral","sentiment_score":0.0046159918420016766},{"text":"Not really.","start":321.71,"end":326.27,"sentiment":"neutral","sentiment_score":-0.09464310109615326},{"text":"I haven't given it much I haven't given it much thought, to be honest.","start":326.27,"end":329.025,"sentiment":"neutral","sentiment_score":-0.1955557976450239},{"text":"I don't wanna be I don't wanna be working till I'm 80.","start":330.305,"end":332.625,"sentiment":"neutral","sentiment_score":-0.2218710072338581},{"text":"That's for sure.","start":332.625,"end":333.525,"sentiment":"neutral","sentiment_score":-0.06949891895055771}],"sentiment":"neutral","sentiment_score":-0.18104375690745655,"num_words":32,"start":314.19,"end":333.525},{"sentences":[{"text":"Yeah.","start":372.635,"end":372.875,"sentiment":"neutral","sentiment_score":0.09703805297613144},{"text":"Probably rather yeah.","start":372.875,"end":373.915,"sentiment":"neutral","sentiment_score":0.10552345216274261},{"text":"That'll be that'll be good to go.","start":373.915,"end":375.45502,"sentiment":"neutral","sentiment_score":0.26385507200445446},{"text":"Yeah.","start":375.87,"end":376.37,"sentiment":"neutral","sentiment_score":0.1283823847770691},{"text":"Like, if if it pans out that way, I don't know.","start":376.99,"end":379.25,"sentiment":"neutral","sentiment_score":0.10196429152380336}],"sentiment":"neutral","sentiment_score":0.1526340654362803,"num_words":23,"start":372.635,"end":379.25},{"sentences":[{"text":"I'll see how it goes.","start":379.39,"end":380.61002,"sentiment":"neutral","sentiment_score":0.19382651448249816},{"text":"Yep.","start":406.69,"end":407.19,"sentiment":"neutral","sentiment_score":0.15757837891578674},{"text":"Yeah.","start":416.785,"end":417.105,"sentiment":"neutral","sentiment_score":0.031144030392169952},{"text":"Yeah.","start":417.105,"end":417.345,"sentiment":"neutral","sentiment_score":0.02106703817844391},{"text":"Definitely.","start":417.345,"end":417.845,"sentiment":"positive","sentiment_score":0.5207662582397461}],"sentiment":"neutral","sentiment_score":0.18885425312651527,"num_words":9,"start":379.39,"end":417.845},{"sentences":[{"text":"Yeah.","start":441.115,"end":441.275,"sentiment":"neutral","sentiment_score":-0.038072314113378525},{"text":"I don't know.","start":441.275,"end":441.91498,"sentiment":"neutral","sentiment_score":-0.09904388586680095},{"text":"It's hard to tell because you don't know if the economy is gonna be a lot of that up then.","start":441.91498,"end":445.455,"sentiment":"neutral","sentiment_score":-0.193410287797451},{"text":"So yeah.","start":446.875,"end":447.53497,"sentiment":"neutral","sentiment_score":0.002879032865166664},{"text":"Yeah.","start":447.675,"end":447.91498,"sentiment":"neutral","sentiment_score":0.021486353129148483}],"sentiment":"neutral","sentiment_score":-0.15467278921493777,"num_words":27,"start":441.115,"end":447.91498},{"sentences":[{"text":"Look.","start":447.91498,"end":448.235,"sentiment":"neutral","sentiment_score":0.015265858732163906},{"text":"Probably I don't know.","start":448.235,"end":450.47498,"sentiment":"neutral","sentiment_score":-0.030327212065458298},{"text":"I reckon maybe $161,700 bucks a week.","start":450.47498,"end":454.555,"sentiment":"neutral","sentiment_score":0.006558196353060859},{"text":"I reckon it'd be plenty, especially if I'm traveling and doing things.","start":454.555,"end":458.52,"sentiment":"neutral","sentiment_score":0.14707381774981818},{"text":"Yes.","start":493.55,"end":494.05,"sentiment":"neutral","sentiment_score":0.08503630757331848}],"sentiment":"neutral","sentiment_score":0.07159146022051573,"num_words":25,"start":447.91498,"end":494.05},{"sentences":[{"text":"No.","start":502.795,"end":503.11502,"sentiment":"neutral","sentiment_score":-0.1312306523323059},{"text":"Not currently.","start":503.11502,"end":503.855,"sentiment":"neutral","sentiment_score":-0.1241333968937397},{"text":"Probably put it on the back burner for now just until all this sort of stuff's finalized.","start":518.76,"end":522.36,"sentiment":"neutral","sentiment_score":-0.06993931071723208},{"text":"Because if I start doing because the more I put into my super now is the more that it's gonna get separated.","start":522.36,"end":527.91504,"sentiment":"neutral","sentiment_score":-0.10787824007936499},{"text":"So it's because what they're gonna do is they're gonna put it all in a pool and then divvy it $50.50.","start":527.97504,"end":532.23505,"sentiment":"neutral","sentiment_score":0.03817558603449946}],"sentiment":"neutral","sentiment_score":-0.04984285243387733,"num_words":63,"start":502.795,"end":532.23505},{"sentences":[{"text":"So we both have the same amount of super.","start":532.375,"end":534.395,"sentiment":"neutral","sentiment_score":0.06538297898239559},{"text":"So it's yeah.","start":534.775,"end":537.015,"sentiment":"neutral","sentiment_score":0.06290143107374509},{"text":"Just hold on two seconds.","start":537.015,"end":538.135,"sentiment":"neutral","sentiment_score":0.01567324660718441},{"text":"I just got my daughter wanting something.","start":538.135,"end":540.80005,"sentiment":"neutral","sentiment_score":0.018698862620762417},{"text":"Which one, please?","start":540.80005,"end":541.78,"sentiment":"neutral","sentiment_score":0.008838170828918615}],"sentiment":"neutral","sentiment_score":0.03751569955299298,"num_words":27,"start":532.375,"end":541.78},{"sentences":[{"text":"I wanna try something in my box, but he just un downloaded it and lost my thing.","start":542.48004,"end":547.86005,"sentiment":"neutral","sentiment_score":-0.25068725207272696},{"text":"And now he said, I can't now I can't join it.","start":548.32,"end":551.415,"sentiment":"neutral","sentiment_score":-0.2968272146853534},{"text":"Oh, how about you play it on your own for a minute?","start":551.975,"end":554.13495,"sentiment":"neutral","sentiment_score":-0.002689617065091928},{"text":"Daddy's on the phone, and I'll come and sort it out in a minute.","start":554.13495,"end":556.21497,"sentiment":"neutral","sentiment_score":0.009055794482784612},{"text":"Okay?","start":556.21497,"end":556.535,"sentiment":"neutral","sentiment_score":0.007177878171205521}],"sentiment":"neutral","sentiment_score":-0.13500180092047562,"num_words":55,"start":542.48004,"end":556.535},{"sentences":[{"text":"Don't get upset.","start":556.535,"end":557.355,"sentiment":"neutral","sentiment_score":-0.09731730073690414},{"text":"You'll be fine.","start":557.495,"end":558.315,"sentiment":"neutral","sentiment_score":0.05591259524226189},{"text":"Alright.","start":560.535,"end":561.035,"sentiment":"neutral","sentiment_score":0.09217050671577454},{"text":"I'm back.","start":561.175,"end":561.995,"sentiment":"neutral","sentiment_score":0.07191822119057178},{"text":"No.","start":567.01996,"end":567.18,"sentiment":"neutral","sentiment_score":-0.09398594498634338}],"sentiment":"neutral","sentiment_score":0.0017806887626647962,"num_words":10,"start":556.535,"end":567.18},{"sentences":[{"text":"That's no.","start":567.18,"end":567.74,"sentiment":"neutral","sentiment_score":-0.12018726766109467},{"text":"That's alright.","start":567.74,"end":568.38,"sentiment":"neutral","sentiment_score":-0.008773546665906906},{"text":"No.","start":568.38,"end":568.69995,"sentiment":"neutral","sentiment_score":-0.05252634361386299},{"text":"All good.","start":568.69995,"end":569.18,"sentiment":"neutral","sentiment_score":0.06651554256677628},{"text":"They're all fine.","start":569.18,"end":570.06,"sentiment":"neutral","sentiment_score":0.11055192599693935}],"sentiment":"neutral","sentiment_score":0.015423889085650445,"num_words":10,"start":567.18,"end":570.06},{"sentences":[{"text":"Yeah.","start":570.06,"end":570.38,"sentiment":"neutral","sentiment_score":0.1673349142074585},{"text":"I'll sort it out.","start":570.38,"end":571.36,"sentiment":"neutral","sentiment_score":0.20926987007260323},{"text":"She's six.","start":575.66,"end":576.48,"sentiment":"neutral","sentiment_score":0.07980125397443771},{"text":"My middle boy is eight turning nine, and my oldest son's 14, 10, 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really.","start":1923.7599,"end":1924.5,"sentiment":"neutral","sentiment_score":-0.06538212299346924},{"text":"Yeah.","start":1927.12,"end":1927.62,"sentiment":"neutral","sentiment_score":0.17987456917762756},{"text":"Yeah.","start":1939.5851,"end":1940.0851,"sentiment":"neutral","sentiment_score":-0.0153135284781456},{"text":"Roughly.","start":1940.145,"end":1940.645,"sentiment":"neutral","sentiment_score":-0.023534517735242844}],"sentiment":"neutral","sentiment_score":-0.0085247786094745,"num_words":6,"start":1923.5199,"end":1940.645},{"sentences":[{"text":"Yeah.","start":1940.7051,"end":1941.2051,"sentiment":"neutral","sentiment_score":0.0109133655205369},{"text":"Yep.","start":1941.265,"end":1941.765,"sentiment":"neutral","sentiment_score":0.023364242166280743},{"text":"Yeah.","start":1961.445,"end":1961.6849,"sentiment":"neutral","sentiment_score":-0.01731504127383232},{"text":"That's right.","start":1961.6849,"end":1962.165,"sentiment":"neutral","sentiment_score":-0.006665410473942757},{"text":"Yeah.","start":1962.165,"end":1962.405,"sentiment":"neutral","sentiment_score":-0.018589016050100327}],"sentiment":"neutral","sentiment_score":-0.0024928784308334193,"num_words":6,"start":1940.7051,"end":1962.405},{"sentences":[{"text":"Works dropped off heaps.","start":1962.405,"end":1963.625,"sentiment":"neutral","sentiment_score":-0.0831903014332056},{"text":"So and yeah.","start":1963.765,"end":1965.045,"sentiment":"neutral","sentiment_score":-0.036411638061205544},{"text":"So that's all tied up in the settlement stuff as well.","start":1965.045,"end":1968.085,"sentiment":"neutral","sentiment_score":-0.11861779134381902},{"text":"So yeah.","start":1968.085,"end":1977.87,"sentiment":"neutral","sentiment_score":-0.012836361303925514},{"text":"Potentially.","start":1977.87,"end":1978.37,"sentiment":"neutral","sentiment_score":0.020423755049705505}],"sentiment":"neutral","sentiment_score":-0.08343051391698066,"num_words":21,"start":1962.405,"end":1978.37},{"sentences":[{"text":"Yeah.","start":1978.59,"end":1978.99,"sentiment":"neutral","sentiment_score":0.0051240622997283936},{"text":"Yeah.","start":1978.99,"end":1979.3099,"sentiment":"neutral","sentiment_score":0.007630733773112297},{"text":"I'll either close it down or it'll or I'll keep ticking it over.","start":1979.3099,"end":1983.09,"sentiment":"neutral","sentiment_score":0.025046098404205762},{"text":"Yep.","start":1998.495,"end":1998.995,"sentiment":"positive","sentiment_score":0.48666688799858093},{"text":"Yeah.","start":2024.935,"end":2025.3351,"sentiment":"neutral","sentiment_score":0.0064764320850372314}],"sentiment":"neutral","sentiment_score":0.04891161149477258,"num_words":17,"start":1978.59,"end":2025.3351},{"sentences":[{"text":"No.","start":2025.3351,"end":2025.7351,"sentiment":"neutral","sentiment_score":-0.15330494940280914},{"text":"No.","start":2025.7351,"end":2026.2351,"sentiment":"neutral","sentiment_score":-0.29311007261276245},{"text":"No.","start":2062.34,"end":2062.58,"sentiment":"neutral","sentiment_score":-0.030948443338274956},{"text":"That sounds all pretty right.","start":2062.58,"end":2064.12,"sentiment":"neutral","sentiment_score":0.05314822755753994},{"text":"Not really.","start":2087.51,"end":2088.31,"sentiment":"neutral","sentiment_score":-0.07709934189915657}],"sentiment":"neutral","sentiment_score":-0.036582101136446,"num_words":10,"start":2025.3351,"end":2088.31},{"sentences":[{"text":"Just probably yeah.","start":2088.31,"end":2089.35,"sentiment":"neutral","sentiment_score":-0.056810662150382996},{"text":"Probably just buy a property and and potentially travel a bit.","start":2089.35,"end":2092.39,"sentiment":"neutral","sentiment_score":-0.04141043024984273},{"text":"That's probably about it.","start":2092.39,"end":2093.77,"sentiment":"neutral","sentiment_score":-0.0577735616825521},{"text":"Anywhere and everywhere.","start":2098.4048,"end":2099.385,"sentiment":"neutral","sentiment_score":0.025343239928285282},{"text":"I've never I've never act I've never actually been overseas, so I'd long to go anywhere.","start":2102.085,"end":2105.9248,"sentiment":"neutral","sentiment_score":-0.08699922321829945}],"sentiment":"neutral","sentiment_score":-0.05872969777398818,"num_words":37,"start":2088.31,"end":2105.9248},{"sentences":[{"text":"So yeah.","start":2105.9248,"end":2106.825,"sentiment":"neutral","sentiment_score":0.049332574009895325},{"text":"Yeah.","start":2122.4302,"end":2122.83,"sentiment":"neutral","sentiment_score":0.07950074225664139},{"text":"Probably with my with my partner.","start":2122.83,"end":2124.585,"sentiment":"neutral","sentiment_score":0.040692731738090515},{"text":"I'll probably probably get somewhere with a new partner first and then and then eventually just figure out where it's good for the kids to take.","start":2124.645,"end":2130.8052,"sentiment":"neutral","sentiment_score":0.06048598885536194},{"text":"So yeah.","start":2130.8052,"end":2131.945,"sentiment":"neutral","sentiment_score":0.14019520953297615}],"sentiment":"neutral","sentiment_score":0.06149590297325237,"num_words":37,"start":2105.9248,"end":2131.945},{"sentences":[{"text":"Yeah.","start":2142.02,"end":2142.52,"sentiment":"neutral","sentiment_score":0.013099713250994682},{"text":"No.","start":2143.06,"end":2143.3801,"sentiment":"neutral","sentiment_score":-0.023615023121237755},{"text":"I'll leave that there.","start":2143.3801,"end":2144.44,"sentiment":"neutral","sentiment_score":-0.016744662541896105},{"text":"No.","start":2157.575,"end":2158.075,"sentiment":"neutral","sentiment_score":-0.08827011287212372},{"text":"Yep.","start":2191.675,"end":2192.175,"sentiment":"neutral","sentiment_score":0.02162197232246399}],"sentiment":"neutral","sentiment_score":-0.018017762573435903,"num_words":8,"start":2142.02,"end":2192.175},{"sentences":[{"text":"Yep.","start":2248.8152,"end":2249.3152,"sentiment":"neutral","sentiment_score":0.003773399395868182},{"text":"Yep.","start":2249.7751,"end":2250.2751,"sentiment":"neutral","sentiment_score":0.012178446166217329},{"text":"Yeah.","start":2300.4949,"end":2300.9949,"sentiment":"neutral","sentiment_score":0.08951754868030548},{"text":"No.","start":2301.2148,"end":2301.4548,"sentiment":"neutral","sentiment_score":0.11752831935882568},{"text":"That sounds good.","start":2301.4548,"end":2302.4348,"sentiment":"neutral","sentiment_score":0.32457966605822247}],"sentiment":"neutral","sentiment_score":0.17096238739655487,"num_words":7,"start":2248.8152,"end":2302.4348},{"sentences":[{"text":"Yep.","start":2347.06,"end":2347.56,"sentiment":"neutral","sentiment_score":0.1288619041442871},{"text":"Yes.","start":2375.395,"end":2375.635,"sentiment":"neutral","sentiment_score":0.10089421272277832},{"text":"Yes.","start":2375.635,"end":2375.875,"sentiment":"neutral","sentiment_score":0.15401266515254974},{"text":"Good.","start":2375.875,"end":2376.375,"sentiment":"neutral","sentiment_score":0.31407421827316284},{"text":"Yep.","start":2386.0,"end":2386.5,"sentiment":"neutral","sentiment_score":0.15101872384548187}],"sentiment":"neutral","sentiment_score":0.16977234482765197,"num_words":5,"start":2347.06,"end":2386.5},{"sentences":[{"text":"Yeah.","start":2391.6802,"end":2392.08,"sentiment":"neutral","sentiment_score":0.05064430832862854},{"text":"No dramas.","start":2392.08,"end":2392.82,"sentiment":"neutral","sentiment_score":0.04212894290685654},{"text":"Probably at the same time.","start":2399.9248,"end":2401.125,"sentiment":"neutral","sentiment_score":0.029352977126836776},{"text":"Probably at 04:00.","start":2401.125,"end":2402.345,"sentiment":"neutral","sentiment_score":0.026709765195846558},{"text":"Yeah.","start":2416.43,"end":2416.67,"sentiment":"neutral","sentiment_score":0.0422682985663414}],"sentiment":"neutral","sentiment_score":0.033672056160867214,"num_words":12,"start":2391.6802,"end":2416.67},{"sentences":[{"text":"It says that'll be fine.","start":2416.67,"end":2417.89,"sentiment":"neutral","sentiment_score":0.07128663137555122},{"text":"Yeah.","start":2425.79,"end":2425.8699,"sentiment":"neutral","sentiment_score":0.05486509203910827},{"text":"Yep.","start":2425.8699,"end":2426.27,"sentiment":"neutral","sentiment_score":0.0756920725107193},{"text":"That's fine.","start":2426.27,"end":2427.17,"sentiment":"neutral","sentiment_score":0.16487815976142883},{"text":"Yep.","start":2450.1099,"end":2450.6099,"sentiment":"neutral","sentiment_score":0.22593745589256287}],"sentiment":"neutral","sentiment_score":0.10426840968430043,"num_words":10,"start":2416.67,"end":2450.6099},{"sentences":[{"text":"Yeah.","start":2457.725,"end":2457.965,"sentiment":"positive","sentiment_score":0.3885641396045685},{"text":"That sounds great.","start":2457.965,"end":2458.865,"sentiment":"positive","sentiment_score":0.7634253104527792},{"text":"No.","start":2468.7651,"end":2469.18,"sentiment":"neutral","sentiment_score":-0.07420127093791962},{"text":"No.","start":2469.3398,"end":2469.5798,"sentiment":"neutral","sentiment_score":-0.06567016243934631},{"text":"Pretty straightforward.","start":2469.5798,"end":2470.3198,"sentiment":"neutral","sentiment_score":0.166603434830904}],"sentiment":"positive","sentiment_score":0.359021938405931,"num_words":8,"start":2457.725,"end":2470.3198},{"sentences":[{"text":"Yeah.","start":2489.2449,"end":2489.4849,"sentiment":"neutral","sentiment_score":0.28677666187286377},{"text":"No worries.","start":2489.4849,"end":2489.885,"sentiment":"positive","sentiment_score":0.33759792149066925},{"text":"You too.","start":2489.885,"end":2490.625,"sentiment":"positive","sentiment_score":0.43097415566444397},{"text":"No worries.","start":2494.765,"end":2495.1648,"sentiment":"positive","sentiment_score":0.33550187945365906},{"text":"Thanks, Donna.","start":2495.1648,"end":2495.9849,"sentiment":"positive","sentiment_score":0.47385284304618835}],"sentiment":"positive","sentiment_score":0.38251447346475387,"num_words":9,"start":2489.2449,"end":2495.9849},{"sentences":[{"text":"Bye.","start":2496.125,"end":2496.625,"sentiment":"neutral","sentiment_score":0.29257839918136597}],"sentiment":"neutral","sentiment_score":0.29257839918136597,"num_words":1,"start":2496.125,"end":2496.625}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Speaking.\n\nChannel 0: Hi, Jared. It's Dana from Mercy Financial. How are you today?\n\nChannel 1: Yeah. Good. Yourself?\n\nChannel 0: I'm very well. Thank you. I just had people feel for a bit of a catch up today. You're looking to come back on board as a client, fix some plans for advice. Is that right?\n\nChannel 1: Yes. Correct.\n\nChannel 0: Yes. Fantastic. Is now still a good time for our catch up to run through things?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: So fantastic. Before I jump into the call, Jared, I just have to let you know we do record our calls for quality and training purposes. Are you happy with for ask for the with that?\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. And I just wanna make sure because we are going through your personal information that I do security as well. I just need to confirm your full name, your address, date of birth I should have on file.\n\nChannel 1: Yeah. It's Jared Angelo Borschman. Address\n\nChannel 0: Yep.\n\nChannel 1: is 5 Wellington Street, Wangaratta, Victoria 36\n\nChannel 0: Yep.\n\nChannel 1: 77, and date of birth\n\nChannel 0: Beautiful.\n\nChannel 1: is 04/05/1988.\n\nChannel 0: Legend. Thank you so much for that. How's your week been so far?\n\nChannel 1: Yeah. Busy. Busy.\n\nChannel 0: Yes. That's that's good news. Is it weekend off?\n\nChannel 1: Yeah. Yeah. Which will be good.\n\nChannel 0: Yeah. Some down time to rest. I like it.\n\nChannel 1: Yeah.\n\nChannel 0: No. All good. Well, I know you've been speaking with my colleague, Maddie, there. Kinda gone through and done all the research there for you. So I'm not sure if we've spoken before, but my name is Dana, and I'm one of the financial advisers here at OC Financial.\n\nSo I'll be the one putting the advice together and doing the research there for you.\n\nChannel 1: Yep.\n\nChannel 0: With my part of the call today, just gonna run through a bit more about your goals, have a bit of a look at what you've got currently. She's given me a lot of research to go with, which is fantastic. I will have a chat about sort of re onboarding what that looks like, what you're after with regard to financial advice, and then I'll go back and do some research and put the plan together to see how we can help you moving forward. How does that sound?\n\nChannel 1: Yeah. Sounds good.\n\nChannel 0: Fantastic. So, firstly, just wanted to touch base. Now one of the things I do have here at the moment, and and I do apologize, I can see here that you are separated, and I believe going through a divorce is not quite finalized. Is that right?\n\nChannel 1: Yes. Correct.\n\nChannel 0: Okay. Perfect. So just having a look at that. Now where are you sort of up in that price we're up to in that process of going through the divorce and the finalization separation of assets? Where are you guys up to with that at the moment?\n\nChannel 1: So we had mediation and they didn't really agree to anything. So my solicitor is in the process\n\nChannel 0: Okay.\n\nChannel 1: of putting together a final proposal to them.\n\nChannel 0: Okay.\n\nChannel 1: And then if that's not accepted, then they're gonna take it to court. So it'll\n\nChannel 0: Okay.\n\nChannel 1: yeah. So it'll go through. So it is in the it is in the final stages, but\n\nChannel 0: Yep.\n\nChannel 1: it's just the time consuming thing trying to get them to a degree to to a greater something.\n\nChannel 0: Yeah. Yeah. Absolutely.\n\nChannel 1: So\n\nChannel 0: No. I completely understand. It was a lot that you're dealing with at the moment. I'm so sorry you're going through that.\n\nChannel 1: that's alright.\n\nChannel 0: When it comes to the house, is this something do you know sort of what what the plan is moving forward or what may happen to the house once you kinda go through the separation of assets?\n\nChannel 1: Yeah. So she's hoping to retain the house and obviously buy me out of it. So\n\nChannel 0: Mhmm.\n\nChannel 1: and they're looking at like a I believe they said a $60.40 share at the moment, but I think my solicitor\n\nChannel 0: Okay.\n\nChannel 1: is gonna try and go\n\nChannel 0: Yep.\n\nChannel 1: for more. So\n\nChannel 0: No. That's okay. And is there\n\nChannel 1: yeah.\n\nChannel 0: any likelihood that maybe your system might end up being split as well, or is\n\nChannel 1: Yeah.\n\nChannel 0: that sort\n\nChannel 1: So\n\nChannel 0: of\n\nChannel 1: it will it will be split. So I believe hers is roughly a 140 something thousand. So it's it'll be, like, a $10,000 in her direction or something like that. So it\n\nChannel 0: Yep.\n\nChannel 1: won't be a\n\nChannel 0: Okay.\n\nChannel 1: massive amount. But yeah.\n\nChannel 0: Yep. No. That's okay. Not a problem at all. Just so when I'm looking at the advice and doing the research, I kind of understand where things are going and what what, you know, could change in the future just so we can kind of factor that in for you as well and note that that could be a a bit of a change in your circumstances.\n\nPerfect.\n\nChannel 1: Yep.\n\nChannel 0: Thank you for giving that information. I know you're going through a lot. And, again, I'm so sorry you're going through this. Hopefully, it's all finalized for you fairly soon.\n\nChannel 1: Yeah. Hopefully, sooner the better.\n\nChannel 0: Yeah. Absolutely. Look. I am divorced, so I understand exactly what you're going through. It's gonna be a really rough time, and there's a lot of back and forth and very costly as well.\n\nSo, yeah,\n\nChannel 1: Yep.\n\nChannel 0: I understand.\n\nChannel 1: Yep.\n\nChannel 0: All good. Well, let's have a little bit of a chat about your goals there. So with your statement, somebody was able to get a statement for me. I'm having a bit of look at the assets in there at the moment. I can definitely see some changes that could be good to update your portfolio.\n\nIt is definitely one of the older portfolios that we would have had a few years back around about 2324.\n\nChannel 1: Yep.\n\nChannel 0: So I can definitely see some changes that would be good to make and kind of build in your portfolio, especially as you're expecting that $10,000 to be, you know, removed out of the super fund there as well.\n\nChannel 1: Yep.\n\nChannel 0: So a way that we can kind of make that money back nice and quick once that split has gone through for you, or ways that we can look to build that $10,000 up prior to leaving your super fund so it kinda leaves you with as little an impact as possible, essentially.\n\nChannel 1: Yep.\n\nChannel 0: Excellent. When you're looking at your super\n\nChannel 1: No.\n\nChannel 0: now having a look at things from over, you're really young. You're about 38. Do you know what age you are hoping to be able to maybe retire at this\n\nChannel 1: Not\n\nChannel 0: super?\n\nChannel 1: really.\n\nChannel 0: Sorry.\n\nChannel 1: I haven't given it much I haven't given it much thought, to be honest. I don't wanna be I don't wanna\n\nChannel 0: No.\n\nChannel 1: be working till I'm 80. That's for sure.\n\nChannel 0: No. That's okay. So to give you a little bit of context there, when you think about the age to retire, at the moment, the legislators, the earliest we can access is age 60. We are fully retired. The other option is if you work past 60 at age 65, regardless of whether you're working or not, they do allow you full access to your super tax rate or 67.\n\nNow that that you and I have as much of a chance at it, at the moment, 67 is the age to access the age pension through Centrelink. So do you think you wanna work a bit longer past 60, or you're sort of hoping that that might be the time you'll be able to enjoy the rest of it? Is that your retirement years and travel?\n\nChannel 1: Yeah. Probably rather yeah. That'll be that'll be good to go.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Beautiful.\n\nChannel 1: Like, if\n\nChannel 0: That\n\nChannel 1: if it pans\n\nChannel 0: is\n\nChannel 1: out that way, I don't know. I'll see how it goes.\n\nChannel 0: that's okay. It'll give me something to work towards, which is great. The other thing I do kinda like about using the age of 60 for you is that it essentially gives you a starting point. It means that we're working on the earliest possible age to access safer, and then it gives you an option. You can continue to work if you want to, or you can stop working or maybe sort of do a little bit of both into that transition to retirement sort of side of things from 60 to 65.\n\nChannel 1: Yep.\n\nChannel 0: So it does give you options by working that way, and it means that we're working on an earlier goal. So we wanna make things work a bit harder for you earlier on. Does that make sense?\n\nChannel 1: Yeah. Yeah. Definitely.\n\nChannel 0: Yep. Beautiful. Now you probably haven't thought much about what kind of income you might be looking at. But, realistically, do you think there's a set maybe income in today's dollars you'd be comfortable living on in retirement, or did you want me just to kind of work on replacing your current income amount? What do you think you'd like me to work as a goal for income in retirement?\n\nChannel 1: Yeah. I don't know. It's hard to tell because you don't know if the economy is gonna be a lot of that up then.\n\nChannel 0: That's it. That's\n\nChannel 1: So\n\nChannel 0: it.\n\nChannel 1: yeah. Yeah. Look. Probably I don't know. I reckon maybe $161,700 bucks a week.\n\nI reckon it'd be plenty,\n\nChannel 0: Yep.\n\nChannel 1: especially if\n\nChannel 0: Beautiful.\n\nChannel 1: I'm traveling\n\nChannel 0: Let's work on\n\nChannel 1: and\n\nChannel 0: the\n\nChannel 1: doing\n\nChannel 0: higher\n\nChannel 1: things.\n\nChannel 0: amount there. Yeah. Absolutely. Fantastic. Look.\n\nI'm gonna ask you every question you probably never thought of answering, and that's okay if you've never thought of it before. We can always talk it through. Having a look at sort of your season and what you're after there, one of the things we do kind of wanna look at is, like, contributions and how come to you as contributions. Now income wise, I can see here that you are a draft from my trade, and you're working as a pay y d employee at the moment. But you've also got your own business at the moment.\n\nIs that right?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Beautiful. Are you making any additional contributions to super over and above the employer contributions currently?\n\nChannel 1: No. Not currently.\n\nChannel 0: No. That's okay. How does I know you've you've got a lot of expenses at the moment with everything you're sort of dealing with, but is additional contributions something that you're comfortable looking at, or would you rather put that on the back burner than now knowing everything you're sort of working\n\nChannel 1: Probably\n\nChannel 0: on?\n\nChannel 1: put it on the back burner for now just until all this sort of stuff's\n\nChannel 0: Good.\n\nChannel 1: finalized. Because if I start doing\n\nChannel 0: Yep.\n\nChannel 1: because the more I put into my super now is the more that it's gonna get separated. So it's because what they're gonna\n\nChannel 0: Yes.\n\nChannel 1: do is they're gonna put it all in a pool and then divvy it $50.50. So we both have the same\n\nChannel 0: Okay.\n\nChannel 1: amount of super. So it's\n\nChannel 0: Right.\n\nChannel 1: yeah. Just hold on two seconds. I just got my daughter wanting\n\nChannel 0: Yes. You're\n\nChannel 1: something.\n\nChannel 0: fine.\n\nChannel 1: Which one, please? I wanna try something in my box, but he just un downloaded it and lost my thing. And now he said, I can't now I can't join it. Oh, how about you play it on your own for a minute? Daddy's on the phone, and I'll come and sort it out in a minute.\n\nOkay? Don't get upset. You'll be fine. Alright. I'm back.\n\nChannel 0: No. You're fine, Darryl. Do you need a second to go and sort that out? I don't mind holding. It's not an issue.\n\nChannel 1: No. That's no. That's alright. No. All good.\n\nChannel 0: You're\n\nChannel 1: They're\n\nChannel 0: okay?\n\nChannel 1: all fine. Yeah. I'll sort it out.\n\nChannel 0: X oh, she sounds adorable. How old are your kids?\n\nChannel 1: She's six. My middle boy is eight turning nine, and\n\nChannel 0: Wow.\n\nChannel 1: my oldest son's 14, 10, 15.\n\nChannel 0: Wow. The teenagers and the the preteen\n\nChannel 1: Yep.\n\nChannel 0: stage.\n\nChannel 1: Yep. So attitude everywhere.\n\nChannel 0: Well, 14. That's high school. That's crazy. They grow up so fast that day.\n\nChannel 1: Yeah. I know. I know.\n\nChannel 0: No. All good. Perfect. Well, I've got a really good idea of what you're sort of looking for with the way of super. I'll put additional contributions on the back burner, and we can maybe look at that down the track when things settle down a bit for you.\n\nChannel 1: Yep.\n\nChannel 0: With the the other thing I do as well that we use, baby, is just how your risk profile fits. So I do have a couple of questions to run through with as a risk profile just to kinda gauge where you are sitting risk wise and what kind of portfolio I should look at kind of changing and altering in your super for you.\n\nChannel 1: Yep.\n\nChannel 0: These are about 14 multiple choice questions, but I run through them fairly quickly, and we can skip a few here and there as well. Okay?\n\nChannel 1: Yeah. Right there.\n\nChannel 0: Excellent. The first one here, it says, how would you rate your willingness to take on financial risk? Do you consider yourself a very high risk taker, just a high risk taker, an average or medium risk taker, or a very low risk taker? Where would you\n\nChannel 1: Probably\n\nChannel 0: see\n\nChannel 1: high.\n\nChannel 0: yourself comfortably sitting? Hi, beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: Did you say hi, beautiful. The next one here is how familiar are you with investment markets? Have you ever invested before?\n\nChannel 1: No. I haven't.\n\nChannel 0: No. That's okay. And would you say because you've never had investment in your own personal name that you are fairly comfortable with not having some investment knowledge? You're aware that markets do fluctuate and go up and down. You might have a good grasp that you're still learning or a bay basic understanding of investment market, where would you see yourself sitting in that category?\n\nChannel 1: I've got no idea about them at the moment. I would like to learn,\n\nChannel 0: No. That's\n\nChannel 1: though.\n\nChannel 0: okay. Yes. Well, I\n\nChannel 1: Yeah.\n\nChannel 0: will more than happily teach you. No need to worry. We're still having a look at your super and, you know, having dealt with us over the last couple of years. Where would you sort of say do you what would you say you have been able to understand or learn with you know, been able to talk to having advisers? And what sort of stuff do you think you may sorry.\n\nI'm trying to put the right words. I'm gonna get easier on you. Essentially, where would you would you say that you're comfortable with the you understand markets go up and down, or would you say it's something you want to learn?\n\nChannel 1: I understand they go up and up and down, but I'd\n\nChannel 0: Yep.\n\nChannel 1: I'd I'd like to learn a bit more about it and, like, the patterns that go up and down and stuff in. So\n\nChannel 0: Okay. Yeah. Perfect.\n\nChannel 1: Yes.\n\nChannel 0: Perfect. I probably thought you were more of a number three there.\n\nChannel 1: Yep.\n\nChannel 0: It does\n\nChannel 1: Okay.\n\nChannel 0: sort of say have a good market graph that you are still learning. But because you are kind of in that learning phase and wanting to learn more about markets, we are aware they go up and down. You're probably looking at super and seeing it goes to those market fluctuations. I'd probably see you in that sort of middle category. Does that feel comfortable for you?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yes. Beautiful. The next one here is, so how would you describe your experience and understanding of investment market? So, again, you've got here a whole bunch of different options there. With what we've sort of talked about at the moment, I'd probably put you down as an investment novice.\n\nYou're naturally curious, but also a bit cautious. Would that be fairly comfortable, or would you see yourself more learning the risk versus the water balance and happy to take on a bit more risk?\n\nChannel 1: Yeah. Probably a bit cautious and yeah. And just\n\nChannel 0: Yes.\n\nChannel 1: yeah. But willing\n\nChannel 0: Yep.\n\nChannel 1: to yeah. Curious and cautious at the\n\nChannel 0: Yep.\n\nChannel 1: same time. So\n\nChannel 0: Yep. Yes. Beautiful. It's just that middle category that's sort of where it felt like we were going with the other other question there. So it kind of is that middle range is right sort of where you're starting from, which is absolutely\n\nChannel 1: Yep.\n\nChannel 0: fine. Beautiful. The next one here I can answer for you is asking what is the most aggressive investment you've ever owned. So you do have managed funds and and ETFs in your super currently, so I'll tick that box up for you. The next one's asking about your time horizon for how long you have until you wanna access those funds because you're only 38 this year.\n\nYou've got a lot of time ahead of you. I'll tick off that more than ten year box to make it easier.\n\nChannel 1: Yep. No worries.\n\nChannel 0: The next one here is about inflation. So it basically says inflation means that things are getting more expensive over time. This essentially makes your money worth less. When you think about your super and the level of risk that you're undertaking, are you comfortable taking on a higher level of risk to try and get the greater potential returns knowing there is also a downside at times? Are you happy in that more moderate or medium amount of risk to take to get the best returns possible, or are you not comfortable taking on risk and other returns are lower because of that?\n\nWhere do you see yourself busy? And you can go in between if you want.\n\nChannel 1: Yeah. Probably whatever gets me the most return, really. So, yeah, probably\n\nChannel 0: Yep.\n\nChannel 1: probably between mid to high risk there.\n\nChannel 0: Yep. Yep. Beautiful. The next one here, it says investments can go up and down, and this is technically what's called volatility. It says, how much of a drop?\n\nSo thinking about your current balance, which is about a 161,000 161,683 currently, if you saw that for, say, more than 50%, up to 50%, up to 25%, or up to 10%, How which one of those would start to make you feel more concerned or nervous about what was happening with your super?\n\nChannel 1: Probably if it if it dropped probably around the 10 to 20%, I reckon I'd start be worrying about it. Yeah.\n\nChannel 0: Yeah. Yep. Absolutely. The next one here is saying if you if in the next, say, six to twelve months so this is a really good example because we have seen those ups and downs, a bit of volatility with everything that's kinda been going on. But if you did sort of see your super four by 20% over the next one to two years, how do you think you might be feeling?\n\nAre you thinking it's more of an investment opportunity, might put some more money in and take advantage of the downtime? Are you a bit concerned maybe calling us to see what's sort of going on with it? Or are you feeling like you wanna sell the investments and move the money into, say, cash?\n\nChannel 1: I'd probably probably call you guys and see if there's any other options. Just try and try and boost\n\nChannel 0: Medigate?\n\nChannel 1: it rather yeah.\n\nChannel 0: Yep. Yeah. Absolutely. The next one here is what kind of reasonable rate of return are you hoping to get from your super over the longer term? I'm just gonna pick the first box because we were we wanna get the best out of our super.\n\nYou've you're only 38 busy. You've got a lot of time ahead of you there, so trying to get the best out of your super and making it work as hard as possible would be the probably the best answer. Are you comfortable with that, or is there anything?\n\nChannel 1: Yeah. Yeah. That yeah. Be\n\nChannel 0: Yep.\n\nChannel 1: comfortable with that.\n\nChannel 0: Excellent. The next one here, it says, have you ever seen this super fall in value? If you have in the past, how did this make you feel? Were you feeling optimistic about the investment opportunities ahead? A bit cautious, not wanting to put any more money into it?\n\nA bit concerned or feeling very anxious?\n\nChannel 1: I haven't actually seen it drop. So, yeah, I haven't seen it drop. Not that I've noticed anyway. It could've dropped, and I hadn't seen it\n\nChannel 0: Yeah.\n\nChannel 1: yet. But, yeah,\n\nChannel 0: Yep.\n\nChannel 1: I I haven't seen it actually decrease since since\n\nChannel 0: No.\n\nChannel 1: I've yeah. Since I've had two\n\nChannel 0: Perfect. That's okay. I'll\n\nChannel 1: per\n\nChannel 0: just\n\nChannel 1: se. Yeah.\n\nChannel 0: I might just tick the box saying a bit cautious because to me, it doesn't sound like you'd be going, hey. Yeah. Cool. It's dropped a little bit. You'd be like, oh, it has dropped.\n\nWhat do we do? Why is it dropped? Is there anything we can kind of do to mitigate that? Does that sound fairly comfortable? Does that sound right?\n\nChannel 1: Yeah. Yeah. That\n\nChannel 0: Yes.\n\nChannel 1: sounds good. Yep.\n\nChannel 0: Beautiful. The next one here is, so how much risk are you willing to take to try and get them return you're after? This sort of relates back to the first couple of questions when we're looking at risk. Are you happy to take on more risk to get the best returns possible? Are you happy with just the higher level of risk to get the best returns you can, a moderate or medium amount of risk to get the best returns you can, or minimal risk knowing the returns are lower?\n\nWhere do you think you'd feel on that scale?\n\nChannel 1: Probably Harrick.\n\nChannel 0: Yep. Beautiful. And the third last one here, it says, what kind of income or what kind of returns are you hoping to get out of your super? So when we think about the different types of returns, we're looking at capital growth, which is a change in the investment prices. Let's say if you own CBA today, it was worth $50.\n\nTomorrow, it's worth a $100. That's $50 of capital growth. The other thing we wanna try and obtain is income. So dividends that are paid out of the investment, paid to your cash account, and it's reinvested back into your portfolio, and that is just with compounding. Do you think when you're thinking about your super, you're looking to get more capital growth, less income, more income, less capital growth, or maybe a balance of the two?\n\nChannel 1: Probably a balance of the two, I think.\n\nChannel 0: Yep. Beautiful. And the second one the second last one here is just have you ever thought about borrowing from a financial institution in order to invest, whether it be stocks and ETFs or buying and investment property?\n\nChannel 1: No.\n\nChannel 0: Nope. That's okay. And the last one here is how do you think about borrowing to invest would make you feel? Are you comfortable if you got the right advice to do so knowing there are risks involved? You'd be very cautious about doing it because there are risks involved, very hesitant, or you would never do it.\n\nChannel 1: I'll be pretty comfy. If I had the right advice, I'd be pretty comfortable with it, but, yeah,\n\nChannel 0: Yep.\n\nChannel 1: probably more so real estate than anything.\n\nChannel 0: Yeah. No. That's okay. Do you want to buy more property or invest in properties in the future, or you're not really open to it?\n\nChannel 1: Yeah. I I do want to. I just as as I was just\n\nChannel 0: Mhmm.\n\nChannel 1: waiting for all this sort of stuff to settle before I can do that because anything I get\n\nChannel 0: Fell\n\nChannel 1: at the\n\nChannel 0: down.\n\nChannel 1: moment, we'll go straight into the pool. So I was gonna\n\nChannel 0: Yeah.\n\nChannel 1: just\n\nChannel 0: Absolutely.\n\nChannel 1: bode my time.\n\nChannel 0: Yeah. Absolutely. No. Completely understandable. Beautiful.\n\nThank you so much for running through that. It's now where you have sort of scored as more of a growth investor. So the way our risk profile fit, you have aggressive, high growth, growth balance, growth and balance. So you're sort of sitting in that middle range there.\n\nChannel 1: Yep.\n\nChannel 0: A a growth investor normally sees about 80% of their super investing growth assets. So these are things like Australian shares, international shares, listed property, and also commodities for precious metals like gold and silver. And then the other 20% in defensive lower risk investments like cash, bonds, and fixed interest. Generally speaking, a growth portfolio is looking to try and achieve about a seven to 9% on a yearly basis, compounding that over time. And, realistically, with the expected volatility in the market, you could see a on a good year, 11% higher than that nine or in the negative years or a lower year, 11% under the seven as well.\n\nSo that's sort of giving you an idea of where that expected volatility can sort of fit.\n\nChannel 1: Yep.\n\nChannel 0: The growth portfolio generally suits somebody who's got about six years before accessing net funds. You've got more than double that ahead of you before accessing super. And, realistically, because we understand the likelihood of a negative return and we understand volatility, you can expect negative return around about one in every five years. So a growth\n\nChannel 1: Yep.\n\nChannel 0: investor has a strong preference for growth. They can tolerate those market ups and downs, and they're not accessing their suit in the next six years. Does that feel like something you're comfortable with? And do you have any additional questions? You're welcome to let me know if you do.\n\nChannel 1: I'm pretty comfortable with that.\n\nChannel 0: Yep. Beautiful. Realistically, for your age and stage, we would generally see you kind of in that growth or high growth environment. There's about a 10% split between the two, but this is a fairly good middle ground. And, realistically, we kind of hold you in this area for maybe the first year or so, and then if you wanna take on more risk, if comfortable to do that, then we could always bump you up to the next one later on.\n\nWe can always reduce this this later on if you need to as well. So you don't have to stay here. If you don't want to, we can always move you up and down to the risk profile and alter the portfolio as much as you're comfortable with moving forward. Okay.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Beautiful. Excellent. Do you have any questions so far about any of those details or anything we've gone through thus far?\n\nChannel 1: No.\n\nChannel 0: No. That's okay. The next\n\nChannel 1: No.\n\nChannel 0: thing\n\nChannel 1: No.\n\nChannel 0: that's\n\nChannel 1: That's\n\nChannel 0: always\n\nChannel 1: not\n\nChannel 0: out\n\nChannel 1: me.\n\nChannel 0: of that is you no. That's okay. You're fine. The next thing is the insurances. So at the moment, you've got your account insurance policy.\n\nI've got the Pacifica currency in front of you, so I can see what you do definitely have. Now at the moment, paid out of your suit, you've got your life and CBD benefits. Do you understand how these insurances work, what they pay for?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. So if in the event of, say, you're passing away, at the moment, you've got your life benefit of 600\n\nChannel 1: Yep.\n\nChannel 0: and 16,298, and then if you were to also pass away, your super benefit can also be paid out to your beneficiaries as well. So they're looking at roughly a $160,000. So it's giving\n\nChannel 1: Yep.\n\nChannel 0: you just over as a total benefit, I think over $776,000 there, which is great.\n\nChannel 1: Yep.\n\nChannel 0: With the fact that the house could be sold and, you know, you split the proceeds essentially or, you know, your ex partner could get it, meaning you get a little bit extra money there. How would you want that money to be split in the event that you would have passed away?\n\nChannel 1: Yeah. Probably just go to the kids. Three ways. Equal.\n\nChannel 0: To the kids?\n\nChannel 1: Right.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: That's okay. Yep. Beautiful. Now one of the things I do like to sort of talk to you about is the distribution of those sort of funds. So with your circumstances, there are different ways to distribute the funds.\n\nBecause all of your children are technically still minors, if you were to and they are nominated on your super at the moment as beneficiaries.\n\nChannel 1: Yep.\n\nChannel 0: I do have all three. Yes. So I have all three, so Cooper, Hunter, and Mackenzie, all noted here as the beneficiary. To give\n\nChannel 1: Yep.\n\nChannel 0: you a bit of context, now if you were to pass away, this money isn't directly paid to the children. It's essentially directed to their guardian, and then it is up to the guardian to distribute those funds amongst the children. It\n\nChannel 1: Yep.\n\nChannel 0: doesn't always happen that way. It's just that they can't because they're minors. They can't have the money paid to them, and they can't make the claim themselves. So it's all done through their guardian. That, honestly, would be their mom, who is your ex your ex wife.\n\nChannel 1: Yep.\n\nChannel 0: Are you comfortable still having it paid that way? The other way is you can have it paid to your legal personal representative. That means that on your speaker, we take LPR, and your life insurance, we take LPR. In the event of your passing, it is claimed by your executor of your will, and it goes to your estate. And in your will, you can have set up a trust.\n\nYou can have set up a whole bunch of different ways to direct money to each of your kids. It can be directed through other family members, through trust. You can have bonds and things set up. There's lots of different ways that you can do it there. Having a will can make that direction of funds to your kids a lot easier, a lot more streamlined, making sure they receive the funds.\n\nBut it also\n\nChannel 1: Yes.\n\nChannel 0: comes down to your situation, how you feel, what you want to happen, and how that would work for you and your family.\n\nChannel 1: Yes.\n\nChannel 0: How would you like that to sort of be\n\nChannel 1: So\n\nChannel 0: set up?\n\nChannel 1: I've\n\nChannel 0: What's\n\nChannel 1: I've\n\nChannel 0: comfortable?\n\nChannel 1: actually just done my wheel and all that sort of stuff through this list of that. So that I reckon that all of it\n\nChannel 0: Yep.\n\nChannel 1: will just go if that is the case, it just goes to my state. So it will go to the executor\n\nChannel 0: Yep.\n\nChannel 1: of the will, and they'll distribute\n\nChannel 0: Okay.\n\nChannel 1: the funds\n\nChannel 0: Perfect.\n\nChannel 1: accordingly. Yeah.\n\nChannel 0: Yep. Beautiful. So I'll make sure that with the estate planning side of things here that we will have LPR set up, and I'll recommend legal personal representative on your life insurance and also your. That way, it can go to your state and be directed as per your wishes. Okay.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Beautiful and so easy. And so you do have a will now. Did you do power of attorney as well as part of that?\n\nChannel 1: Yes. I have done that.\n\nChannel 0: Yep. Beautiful. Beautiful. There we go. Fantastic.\n\nI'll just keep those boxes there for you. Fantastic. So it's a life cover cover. You're fairly happy with the level of cover you do have there. Now with TBD, it has the same level of benefit.\n\nDo you understand how total permanent disability works?\n\nChannel 1: Yeah. Vaguely, it's like if you if you're unable to work or something like that, isn't it? You get there.\n\nChannel 0: Mhmm.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Yep.\n\nChannel 1: Yep.\n\nChannel 0: That's okay. So with Total Term and Disability, you've got the same level of cover, so 616,000. If you are ever unable to get back to work again due to total incapacity or disability, we can also claim against the super benefits. You can have that released. The only thing I just like to make sure I clarify is that when you do claim on CBD or if you do claim on CBD, if you are under the age of 60 and you withdraw the funds out as a lump sum, that becomes taxable money, and the government can tax it up to 22%.\n\nChannel 1: Okay.\n\nChannel 0: It's horrible. I know it shouldn't be that way in any way at all.\n\nChannel 1: It's just terrible.\n\nChannel 0: But it's just kind of yeah. This is awful. It's horrible. I don't think anyone should be taxed if they're unable to ever go back to work again due to disability. It does not feel right anyway.\n\nBut we just like to kinda make sure that you're aware of that.\n\nChannel 1: Yep.\n\nChannel 0: Essentially, if you were to ever claim on TDD, we would help provide advice on getting the claim done, but then also what to do with the proceeds. So we can find ways, and we do have some fun cool things that we can do to eliminate or reduce the tax as much as possible, keep the money invested, and maybe draw an income stream down. But do you feel like the level of cover you have with CBD is fairly suitable, you're happy with that level, or did you wanna go back and review that level of cover?\n\nChannel 1: No. I reckon I reckon as it sits, it's pretty good. Yeah.\n\nChannel 0: Yes. That's okay. Perfect. Excellent. Now the other thing is your income protection benefit.\n\nSo you're you have a monthly benefit in that of $5,878 currently. Looking at your income of 130,000, you are slightly underinsured there. But it also comes down to whether that would sort of be sufficient for, you know, covering income. So on a monthly basis, if you were getting just over $5,000 on a monthly basis from an income protection claim, would that cover your expenditure? Would you feel comfortable with that?\n\nDid you wanna look at increasing or getting a higher amount of income protection?\n\nChannel 1: Yeah. Probably look at increasing it.\n\nChannel 0: Increasing it? Yep. Beautiful. So with your current income, I've got a 130,000 here. Is that right?\n\nThat\n\nChannel 1: Yeah.\n\nChannel 0: would be what I base it on? Yep.\n\nChannel 1: Yes.\n\nChannel 0: Beautiful. Excellent. And so realistically, so you can cover yourself up to 70% of your income. Would you like me to look at the full 70% of income protection?\n\nChannel 1: Yes, please.\n\nChannel 0: Yes. Beautiful. It essentially means that you're looking at a monthly benefit of about $7,583 on a monthly basis. So\n\nChannel 1: Yep.\n\nChannel 0: I will have a look at that for you. I can see Maddie's also done a bit of a pre assessment for me, which is great. So I'll go back and review that as part of the research, and then the advice will show how we recommend you increase that, what that looks like, and what the kind of contract you can expect would look like as well. Okay?\n\nChannel 1: Yep. No worries.\n\nChannel 0: Excellent. Do you have any questions at the moment? I'm sorry. I do question a lot.\n\nChannel 1: No. This is pretty straightforward. Been through\n\nChannel 0: Yes.\n\nChannel 1: it all\n\nChannel 0: Beautiful.\n\nChannel 1: before, so it's pretty straightforward.\n\nChannel 0: You\n\nChannel 1: Yeah.\n\nChannel 0: have.\n\nChannel 1: Yeah.\n\nChannel 0: Fantastic. No. That's all good. Now there are other types of personal insurance that you can also have. You can have trauma.\n\nTrauma, unlike your life, keep it in income protection. It's not paid before by super. It has to be paid out of your back pocket. Did you wanna look at getting any trauma? You can also get child trauma, which pays out a lump sum benefit in the event that your child is diagnosed with a major traumatic condition or pass the way.\n\nDid you wanna look at any of those additional covers? Are you happy with the three you've got?\n\nChannel 1: Just happy with what I've got at the moment. Yeah.\n\nChannel 0: Yep. That's okay. Did you have any questions about any of the additional covers like child trauma or trauma or anything there that you may want to understand\n\nChannel 1: No. Not really.\n\nChannel 0: or no. That's okay. Absolutely fine. Beautiful. We can always go down the track if you decide you wanna look at additional things.\n\nFeel free to let me know. We'll\n\nChannel 1: Yes.\n\nChannel 0: sort of start with just the future and the income protection side of things here at the moment. But down the track, you know, once you've kinda gone through the settlement process and everything kind of, you know, settled for you and you get to sort of work out where you are, expenditure wise, You can also build additional investments, like child bonds and things and putting money away to the kids when they're older, and we can also help with advice from those additional areas for you down the track as well. Okay.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Easy. Perfect. Now just confirming, I've got the main primary residence here at the moment. Maggie's got a value here of 540,000 and a rough loan owing of 280,000. Is that still fairly accurate?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. Beautiful. I've also got the Land Cruiser and a caravan, both owned by your business. Do you still have those?\n\nChannel 1: Yeah. Still got them.\n\nChannel 0: Yep. Beautiful. I've got the Land Cruiser at a 100,000 and the caravan at 80,000. Is that right for value?\n\nChannel 1: Yeah. That's about right.\n\nChannel 0: Yep. Perfect. And then the home the contents within the home as well, valuation sitting here at about 100,000. Does that still sound accurate?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Fantastic. Is there any other assets or debts or anything you would wanna note\n\nChannel 1: Yep.\n\nChannel 0: down as well?\n\nChannel 1: No. Not really.\n\nChannel 0: No. That's okay. You're absolutely\n\nChannel 1: Yeah.\n\nChannel 0: fine. I've also got it down here that your expenses are around about that 7 to $800 on a weekly basis at the moment and not really saving any money. Is that right? Is that fairly accurate?\n\nChannel 1: Yeah. Roughly. Yeah. Yep.\n\nChannel 0: Yes. Yes. So hey. And with the business, are you set up as it looks like you set up as a company there, but there's not a lot of work at the moment. I can sort of see there's a statement that you were paying yourself contributions from the business, but that's sort of not happening at the moment because it does see the work has dropped off a little bit.\n\nIs that right?\n\nChannel 1: Yeah. That's right. Yeah. Works dropped off heaps. So\n\nChannel 0: Yes.\n\nChannel 1: and yeah.\n\nChannel 0: No.\n\nChannel 1: So\n\nChannel 0: That's it.\n\nChannel 1: that's\n\nChannel 0: That's\n\nChannel 1: all tied up in the settlement stuff as well. So\n\nChannel 0: okay. So that all sort of you'll sort of look at focusing on that a bit more down the track once that settlement stuff has all gone through. Is that what\n\nChannel 1: yeah.\n\nChannel 0: you're sort\n\nChannel 1: Potentially.\n\nChannel 0: of thinking?\n\nChannel 1: Yeah. Yeah. I'll either\n\nChannel 0: Yep.\n\nChannel 1: close it down\n\nChannel 0: Yep.\n\nChannel 1: or it'll or I'll keep ticking it over.\n\nChannel 0: Okay. Perfect. I'll just make a note of that here for you. We'll put it down as a goal to sort of reassess that down the track with you to sort of see how that goes, whether you kinda transition back or whether you're happy to stay where you are and you close it down just so we can kinda help with that down the track. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. I've got so estate planning wise, we're just sort of looking at making sure everything can be directed to your will. Just sort of clarify, income we're looking at income protection to increase that benefit of that to cover you up to 70% of your income. You do have a four week waiting period and a five year benefit period on that policy as well. You're fairly comfortable with that?\n\nDid you have any questions around the benefit or waiting period?\n\nChannel 1: Yeah. No. No.\n\nChannel 0: Not beautiful. We're have to come through with the life and CBD benefits that we do hold at the moment, and just looking at your super working towards the age of 60 for retirement. Access income is around about 1,700 per week currently. That could definitely change. We're looking at being a growth investor, and I'll go back and reassess the super fund as well as the investments within that to keep you in that risk profile, but to see if anything needs to be switched out or changed or updated since you were onboarded originally.\n\nDoes that sound correct? Have I missed anything at all there?\n\nChannel 1: No. That sounds all pretty right.\n\nChannel 0: Yeah. Beautiful. We'll hold off on any additional contributions and other advice at the moment. Just a way for you to go through that settlement side of things. Is there any other goals?\n\nI know you're down the track. You sort of mentioned, like, to buy property as well. You know, once everything kinda goes through and deciding what to do with the business as well. Is there any other goals down the track that you might have as well?\n\nChannel 1: Not really. Just probably yeah. Probably just buy a property and and potentially travel a bit. That's probably about it.\n\nChannel 0: Yeah. Perfect. Where would you like to travel to?\n\nChannel 1: Anywhere and everywhere. I've\n\nChannel 0: I\n\nChannel 1: never\n\nChannel 0: love\n\nChannel 1: I've never\n\nChannel 0: it.\n\nChannel 1: act I've\n\nChannel 0: With\n\nChannel 1: never\n\nChannel 0: the\n\nChannel 1: actually\n\nChannel 0: kids?\n\nChannel 1: been overseas, so I'd long to go anywhere. So yeah.\n\nChannel 0: Yeah. That's fantastic. That's been I definitely wanna see you do that. That is for sure. Do you think it's something you'd like to do, take the kids with you, or do you think you'd like to just give it a crack on your own and see how you feel?\n\nTravel to adult only cases? What are you thinking?\n\nChannel 1: Yeah. Probably with my with my partner. I'll probably probably get somewhere with a new\n\nChannel 0: Yep.\n\nChannel 1: partner first and then and then eventually\n\nChannel 0: Yep.\n\nChannel 1: just figure out where it's good for the kids to take. So yeah.\n\nChannel 0: Perfect. Perfect. I have them here your next of kin is your mom. Are you happy keeping your mom, Angela, down as next of kin on file, or did you wanna change\n\nChannel 1: Yeah.\n\nChannel 0: or alter that?\n\nChannel 1: No. I'll leave that there.\n\nChannel 0: That's all good. Yep. Perfect. Excellent. Thank you so much for that.\n\nNow just to kinda go through now, I'm not sure how much has Maddie gone through sort of the fees with you and the re onboarding sort of process and how that looks?\n\nChannel 1: No.\n\nChannel 0: No. That's okay. So re onboarding means that we are just gonna have to go back through and do a new essentially, a new advice document, go through the research again to kind of re onboard everything. It means updating everything. So we do charge an implementation fee once we kinda go through the advice.\n\nThat's the same as last time is just charged if you take on the advice, essentially. It comes out of your super at the time that we, you know, receive access to it essentially and start altering the investment. It is 4,950, the implementation fee. And then we\n\nChannel 1: Yep.\n\nChannel 0: do obviously turn our ongoing service fee back on. It is 1.65% the same as it was last time. However, our fee our ongoing fee structure is now changing to a tiered structure. So your it's think of it like the tax system. You have those set tiers in place.\n\nSo for your balance up to 200,000, it's 1.65%. Once your balance goes over that 200,000, then you drop into the next tier and your ongoing service fee drops to 1.375. And then when your balance is 500,000, it drops into the tier below that, which is 1.10. So the idea of the newer fee structure is that each time your balance increases beyond that tier, you drop into the lower tier, and it ends up being a lower lower percentage for the rest for the next tier down. So the idea is it sort of keeps it a bit there.\n\nWe also know that as a set dollar figure fee. So one of the things you'll probably remember is we used to give you a estimate on how much that fee was meant to\n\nChannel 1: Yep.\n\nChannel 0: be.\n\nChannel 1: Yep.\n\nChannel 0: We don't do that anymore. We actually work out for the year as a set dollar figure fee how much that will be, And that means that, like, if the way it used to be is if you've got a 20 or, you know, 15 or 20% return, your fee would go up with that. That no longer happens. We essentially work out what tier structure you work in for the ongoing service fee, and then we add 5% growth to that amount, and that's how much you pay for the year. So it gives you a lot more certainty around how much the ongoing service fee is that particularly it.\n\nAnd it also means that the more your balance grows, the lower the fee or the lower the tier is going to be or the lower the percentage within that tier is going to be as well. So it works out to be a lot more favorable for you as a client, but it also means that we're able to charge our ongoing services and keep providing our advice there. Does that make sense? Do you have any questions?\n\nChannel 1: Yeah. No. That sounds good.\n\nChannel 0: That's okay. Beautiful. We wanted to sort of make it fair and changes that worked for our clients and making that step here structure works really well. I'm not sure if you remember the the SDS we used to provide. They used to essentially give you an idea or an estimate on the fee for the next twelve months.\n\nThis gives you a lot more certainty there. So it's about making sure that it's there. It's a good system, and I do like that as your balance increases over time, that net pay drops down and your fee gets lower, which is kind of cool. So it's about making sure that your balance is working harder for you. Because we do go through the onboarding process again, and I do have to do the research.\n\nI do have to charge the implementation fee again. So it is 4,950 just so you're fully aware.\n\nChannel 1: Yep.\n\nChannel 0: But we don't turn any of this back on until you decide to take the advice. And, again, the same as every other advice case, it's all, you know, up to you. I will give you the advice, show you what I'm recommending we do, how this works for you, the projected outcome based on, you know, the next couple of years to sort of show you the what we're projecting to to look like, essentially. And then you get to take it away, read it. Let me know if you happen to have any questions in this side, whether you're happy to take the advice.\n\nDoes that sound okay?\n\nChannel 1: Yes. Yes. Good.\n\nChannel 0: Yep. Beautiful. Excellent. It'll take you just a couple of weeks to kinda get through the research and come back with the advice page.\n\nChannel 1: Yep.\n\nChannel 0: Am I able to take some time now just to book you back in to go to the advice with me in a few weeks?\n\nChannel 1: Yeah. No dramas.\n\nChannel 0: Yeah. Fantastic. What time of day generally suits you there?\n\nChannel 1: Probably at the same time. Probably at 04:00.\n\nChannel 0: Yeah. Absolutely. Okay. So just looking at the calendar. Does the Thursday still work for you okay?\n\nChannel 1: Yeah. It says that'll be fine.\n\nChannel 0: That'd be okay? Yep. Beautiful. So I could do 04:00 on Thursday, October 16. Would that be alright?\n\nChannel 1: Yeah. Yep. That's fine.\n\nChannel 0: Yep. Perfect. I'll book it in there for you. I'll add a text message reminder in there just so it lets you, you know, give you a prompt. That way, if anything happens to come up, you can let us know it's not an issue.\n\nI'll go back and do all the research, have a look at what we can do. I can see that the statement here is definitely some changes I'd love to make to your portfolio, some investments that no longer sort of fit the current climate there. And I'll\n\nChannel 1: Yep.\n\nChannel 0: show you what that looks like as a whole. We'll go through it together, and then you get to take that back and have a bit of a read through it as well.\n\nChannel 1: Yeah.\n\nChannel 0: How\n\nChannel 1: That sounds\n\nChannel 0: does\n\nChannel 1: great.\n\nChannel 0: that sound, Darren? Beautiful. Do you happen to have any questions or anything that maybe I haven't touched on that you wanted to ask me while you've got me here today at all?\n\nChannel 1: No. No. Pretty straightforward.\n\nChannel 0: No? Fantastic. Look. I have thoroughly enjoyed meeting with you today. I look forward to putting this advice document together and us going through it in a couple of weeks.\n\nIf you do happen to have any questions, please reach out to myself or Maddie, and I'll talk to you on the fifteenth. If I don't look forward, I hope you have a good weekend.\n\nChannel 1: Yeah. No worries. You too.\n\nChannel 0: Easy. Thanks so much for your time, Jared, and talk to you soon.\n\nChannel 1: No worries. Thanks,\n\nChannel 0: Thanks.\n\nChannel 1: Donna. Bye.\n\nChannel 0: Yeah. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.76,"end":2.26,"sentiment":"neutral","sentiment_score":0.019784189760684967},{"text":"Speaking.","start":2.32,"end":2.82,"sentiment":"neutral","sentiment_score":0.03607512265443802}],"sentiment":"neutral","sentiment_score":0.027929656207561493,"channel":1,"num_words":2,"start":1.76,"end":2.82},{"sentences":[{"text":"Hi, Jared.","start":3.6,"end":4.24,"sentiment":"neutral","sentiment_score":0.16709621250629425},{"text":"It's Dana from Mercy Financial.","start":4.24,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.18374280333518983},{"text":"How are you today?","start":5.8399997,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.26091650500893593}],"sentiment":"neutral","sentiment_score":0.2087793147022074,"channel":0,"num_words":11,"start":3.6,"end":6.8199997},{"sentences":[{"text":"Yeah.","start":6.96,"end":7.2799997,"sentiment":"neutral","sentiment_score":0.25961899757385254},{"text":"Good.","start":7.2799997,"end":7.52,"sentiment":"positive","sentiment_score":0.4448592960834503},{"text":"Yourself?","start":7.52,"end":8.02,"sentiment":"neutral","sentiment_score":0.3091782331466675}],"sentiment":"positive","sentiment_score":0.3378855089346568,"channel":1,"num_words":3,"start":6.96,"end":8.02},{"sentences":[{"text":"I'm very well.","start":8.48,"end":9.36,"sentiment":"positive","sentiment_score":0.6404354174931844},{"text":"Thank you.","start":9.36,"end":9.84,"sentiment":"positive","sentiment_score":0.725001186132431},{"text":"I just had people feel for a bit of a catch up today.","start":9.84,"end":12.0,"sentiment":"neutral","sentiment_score":0.3121429509841479},{"text":"You're looking to come back on board as a client, fix some plans for advice.","start":12.0,"end":15.625,"sentiment":"neutral","sentiment_score":0.23111799558003743},{"text":"Is that right?","start":15.625,"end":16.445,"sentiment":"neutral","sentiment_score":0.1445601632197698}],"sentiment":"neutral","sentiment_score":0.3147115947471725,"channel":0,"num_words":36,"start":8.48,"end":16.445},{"sentences":[{"text":"Yes.","start":16.705,"end":17.025,"sentiment":"neutral","sentiment_score":0.1383388340473175},{"text":"Correct.","start":17.025,"end":17.525,"sentiment":"neutral","sentiment_score":0.20878705382347107}],"sentiment":"neutral","sentiment_score":0.1735629439353943,"channel":1,"num_words":2,"start":16.705,"end":17.525},{"sentences":[{"text":"Yes.","start":17.945,"end":18.425,"sentiment":"neutral","sentiment_score":0.305572509765625},{"text":"Fantastic.","start":18.425,"end":18.925,"sentiment":"positive","sentiment_score":0.6702499389648438},{"text":"Is now still a good time for our catch up to run through things?","start":19.065,"end":21.965,"sentiment":"positive","sentiment_score":0.4257923002753939}],"sentiment":"positive","sentiment_score":0.43355716578662395,"channel":0,"num_words":16,"start":17.945,"end":21.965},{"sentences":[{"text":"Yeah.","start":22.305,"end":22.705,"sentiment":"neutral","sentiment_score":0.19529540836811063},{"text":"Yep.","start":22.705,"end":23.205,"sentiment":"neutral","sentiment_score":0.23562082648277283}],"sentiment":"neutral","sentiment_score":0.21545811742544174,"channel":1,"num_words":2,"start":22.305,"end":23.205},{"sentences":[{"text":"So fantastic.","start":23.545,"end":24.365,"sentiment":"positive","sentiment_score":0.5252528935670853},{"text":"Before I jump into the call, Jared, I just have to let you know we do record our calls for quality and training purposes.","start":24.825,"end":29.564999,"sentiment":"neutral","sentiment_score":0.15051917918026447},{"text":"Are you happy with for ask for the with that?","start":29.96,"end":32.54,"sentiment":"neutral","sentiment_score":0.11068908721208573}],"sentiment":"neutral","sentiment_score":0.16027380443281597,"channel":0,"num_words":36,"start":23.545,"end":32.54},{"sentences":[{"text":"Yep.","start":32.81,"end":33.31,"sentiment":"neutral","sentiment_score":0.14899802207946777}],"sentiment":"neutral","sentiment_score":0.14899802207946777,"channel":1,"num_words":1,"start":32.81,"end":33.31},{"sentences":[{"text":"Fantastic.","start":34.04,"end":34.54,"sentiment":"positive","sentiment_score":0.4065990149974823},{"text":"And I just wanna make sure because we are going through your personal information that I do security as well.","start":34.68,"end":38.6,"sentiment":"neutral","sentiment_score":0.2002214625477791},{"text":"I just need to confirm your full name, your address, date of birth I should have on file.","start":38.6,"end":42.78,"sentiment":"neutral","sentiment_score":0.09568379198511441}],"sentiment":"neutral","sentiment_score":0.15726503901756728,"channel":0,"num_words":39,"start":34.04,"end":42.78},{"sentences":[{"text":"Yeah.","start":43.45,"end":43.69,"sentiment":"neutral","sentiment_score":0.04118787497282028},{"text":"It's Jared Angelo Borschman.","start":43.69,"end":45.39,"sentiment":"neutral","sentiment_score":0.031641590408980846},{"text":"Address","start":46.045,"end":46.364998,"sentiment":"neutral","sentiment_score":0.020135536789894104}],"sentiment":"neutral","sentiment_score":0.03131496223310629,"channel":1,"num_words":6,"start":43.45,"end":46.364998},{"sentences":[{"text":"Yep.","start":46.074997,"end":46.574997,"sentiment":"neutral","sentiment_score":0.02635720744729042}],"sentiment":"neutral","sentiment_score":0.02635720744729042,"channel":0,"num_words":1,"start":46.074997,"end":46.574997},{"sentences":[{"text":"is 5 Wellington Street, Wangaratta, Victoria 36","start":46.364998,"end":49.324997,"sentiment":"neutral","sentiment_score":0.03456020461661475}],"sentiment":"neutral","sentiment_score":0.03456020461661475,"channel":1,"num_words":7,"start":46.364998,"end":49.324997},{"sentences":[{"text":"Yep.","start":49.274998,"end":49.774998,"sentiment":"neutral","sentiment_score":0.024108782410621643}],"sentiment":"neutral","sentiment_score":0.024108782410621643,"channel":0,"num_words":1,"start":49.274998,"end":49.774998},{"sentences":[{"text":"77, and date of birth","start":49.324997,"end":51.164997,"sentiment":"neutral","sentiment_score":0.029184216633439064}],"sentiment":"neutral","sentiment_score":0.029184216633439064,"channel":1,"num_words":5,"start":49.324997,"end":51.164997},{"sentences":[{"text":"Beautiful.","start":50.954998,"end":51.454998,"sentiment":"neutral","sentiment_score":0.08200719952583313}],"sentiment":"neutral","sentiment_score":0.08200719952583313,"channel":0,"num_words":1,"start":50.954998,"end":51.454998},{"sentences":[{"text":"is 04/05/1988.","start":51.164997,"end":52.864998,"sentiment":"neutral","sentiment_score":0.04464584216475487}],"sentiment":"neutral","sentiment_score":0.04464584216475487,"channel":1,"num_words":2,"start":51.164997,"end":52.864998},{"sentences":[{"text":"Legend.","start":53.195,"end":53.675,"sentiment":"neutral","sentiment_score":0.18589606881141665},{"text":"Thank you so much for that.","start":53.675,"end":54.795,"sentiment":"positive","sentiment_score":0.5645941297213236},{"text":"How's your week been so far?","start":54.795,"end":56.335,"sentiment":"neutral","sentiment_score":0.29786891241868335}],"sentiment":"positive","sentiment_score":0.4123595632039584,"channel":0,"num_words":13,"start":53.195,"end":56.335},{"sentences":[{"text":"Yeah.","start":56.765,"end":57.085,"sentiment":"neutral","sentiment_score":0.15860724449157715},{"text":"Busy.","start":57.085,"end":57.585,"sentiment":"neutral","sentiment_score":0.2073614597320557},{"text":"Busy.","start":57.805,"end":58.305,"sentiment":"neutral","sentiment_score":0.21436886489391327}],"sentiment":"neutral","sentiment_score":0.19344585637251535,"channel":1,"num_words":3,"start":56.765,"end":58.305},{"sentences":[{"text":"Yes.","start":58.12,"end":58.6,"sentiment":"neutral","sentiment_score":0.2546226382255554},{"text":"That's that's good news.","start":58.6,"end":59.719997,"sentiment":"positive","sentiment_score":0.47333984822034836},{"text":"Is it weekend off?","start":59.719997,"end":60.859997,"sentiment":"neutral","sentiment_score":0.13476181402802467}],"sentiment":"neutral","sentiment_score":0.2985588096910053,"channel":0,"num_words":9,"start":58.12,"end":60.859997},{"sentences":[{"text":"Yeah.","start":61.5,"end":61.82,"sentiment":"neutral","sentiment_score":0.15159808099269867},{"text":"Yeah.","start":61.82,"end":62.3,"sentiment":"neutral","sentiment_score":0.20121759176254272},{"text":"Which will be good.","start":62.3,"end":63.36,"sentiment":"neutral","sentiment_score":0.32473820447921753}],"sentiment":"neutral","sentiment_score":0.2752947484453519,"channel":1,"num_words":6,"start":61.5,"end":63.36},{"sentences":[{"text":"Yeah.","start":63.8,"end":64.3,"sentiment":"neutral","sentiment_score":0.2088845670223236},{"text":"Some down time to rest.","start":64.52,"end":65.64,"sentiment":"neutral","sentiment_score":0.21179735660552979},{"text":"I like it.","start":65.64,"end":66.54,"sentiment":"positive","sentiment_score":0.41175150871276855}],"sentiment":"neutral","sentiment_score":0.2781250973542531,"channel":0,"num_words":9,"start":63.8,"end":66.54},{"sentences":[{"text":"Yeah.","start":66.62,"end":67.12,"sentiment":"neutral","sentiment_score":0.06093277782201767}],"sentiment":"neutral","sentiment_score":0.06093277782201767,"channel":1,"num_words":1,"start":66.62,"end":67.12},{"sentences":[{"text":"No.","start":68.119995,"end":68.439995,"sentiment":"neutral","sentiment_score":0.014113649725914},{"text":"All good.","start":68.439995,"end":69.0,"sentiment":"neutral","sentiment_score":0.07182975113391876},{"text":"Well, I know you've been speaking with my colleague, Maddie, there.","start":69.0,"end":71.685,"sentiment":"neutral","sentiment_score":0.08718271418051286},{"text":"Kinda gone through and done all the research there for you.","start":71.765,"end":74.085,"sentiment":"neutral","sentiment_score":0.12848437983881345},{"text":"So I'm not sure if we've spoken before, but my name is Dana, and I'm one of the financial advisers here at OC Financial.","start":74.085,"end":79.225,"sentiment":"neutral","sentiment_score":0.06841114745475352}],"sentiment":"neutral","sentiment_score":0.08514242296164133,"channel":0,"num_words":49,"start":68.119995,"end":79.225},{"sentences":[{"text":"So I'll be the one putting the advice together and doing the research there for you.","start":79.284996,"end":83.064995,"sentiment":"neutral","sentiment_score":0.15378537122160196}],"sentiment":"neutral","sentiment_score":0.15378537122160196,"channel":0,"num_words":16,"start":79.284996,"end":83.064995},{"sentences":[{"text":"Yep.","start":83.415,"end":83.915,"sentiment":"neutral","sentiment_score":0.14709997177124023}],"sentiment":"neutral","sentiment_score":0.14709997177124023,"channel":1,"num_words":1,"start":83.415,"end":83.915},{"sentences":[{"text":"With my part of the call today, just gonna run through a bit more about your goals, have a bit of a look at what you've got currently.","start":83.685,"end":89.39,"sentiment":"neutral","sentiment_score":0.2637311853468418},{"text":"She's given me a lot of research to go with, which is fantastic.","start":89.85,"end":92.75,"sentiment":"positive","sentiment_score":0.4808218771448502},{"text":"I will have a chat about sort of re onboarding what that looks like, what you're after with regard to financial advice, and then I'll go back and do some research and put the plan together to see how we can help you moving forward.","start":93.60999,"end":103.825,"sentiment":"neutral","sentiment_score":0.14698756436506907},{"text":"How does that sound?","start":103.825,"end":104.80499,"sentiment":"neutral","sentiment_score":0.10675847344100475}],"sentiment":"neutral","sentiment_score":0.22974035425318612,"channel":0,"num_words":90,"start":83.685,"end":104.80499},{"sentences":[{"text":"Yeah.","start":104.854996,"end":105.174995,"sentiment":"neutral","sentiment_score":0.3206372559070587},{"text":"Sounds good.","start":105.174995,"end":105.994995,"sentiment":"positive","sentiment_score":0.6485723257064819}],"sentiment":"positive","sentiment_score":0.5392606357733408,"channel":1,"num_words":3,"start":104.854996,"end":105.994995},{"sentences":[{"text":"Fantastic.","start":106.784996,"end":107.284996,"sentiment":"positive","sentiment_score":0.7135859727859497},{"text":"So, firstly, just wanted to touch 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going through the divorce and the finalization separation of assets?","start":124.68,"end":132.00499,"sentiment":"neutral","sentiment_score":0.04083438948900611},{"text":"Where are you guys up to with that at the moment?","start":132.22499,"end":134.325,"sentiment":"neutral","sentiment_score":-0.005180869928815148}],"sentiment":"neutral","sentiment_score":0.04359566293498303,"channel":0,"num_words":47,"start":122.12,"end":134.325},{"sentences":[{"text":"So we had mediation and they didn't really agree to anything.","start":134.875,"end":139.835,"sentiment":"neutral","sentiment_score":-0.11570962044325742},{"text":"So my solicitor is in the 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time.","start":794.38,"end":794.86,"sentiment":"neutral","sentiment_score":0.031015077605843544},{"text":"So","start":794.86,"end":795.36,"sentiment":"neutral","sentiment_score":0.04882790893316269}],"sentiment":"neutral","sentiment_score":0.03695268804828326,"channel":1,"num_words":3,"start":794.38,"end":795.36},{"sentences":[{"text":"Yep.","start":795.995,"end":796.315,"sentiment":"neutral","sentiment_score":0.07053103297948837},{"text":"Yes.","start":796.315,"end":796.715,"sentiment":"neutral","sentiment_score":0.19891677796840668},{"text":"Beautiful.","start":796.715,"end":797.195,"sentiment":"positive","sentiment_score":0.4741946458816528},{"text":"It's just that middle category that's sort of where it felt like we were going with the other other question there.","start":797.195,"end":802.555,"sentiment":"neutral","sentiment_score":0.20971147077424185},{"text":"So it kind of is that middle range is right sort of where you're starting from, which is absolutely","start":802.555,"end":806.895,"sentiment":"neutral","sentiment_score":0.2535821913104308}],"sentiment":"neutral","sentiment_score":0.23175918553457703,"channel":0,"num_words":43,"start":795.995,"end":806.895},{"sentences":[{"text":"Yep.","start":806.575,"end":807.075,"sentiment":"neutral","sentiment_score":0.2949604094028473}],"sentiment":"neutral","sentiment_score":0.2949604094028473,"channel":1,"num_words":1,"start":806.575,"end":807.075},{"sentences":[{"text":"fine.","start":807.035,"end":807.535,"sentiment":"positive","sentiment_score":0.3912717401981354},{"text":"Beautiful.","start":807.595,"end":808.095,"sentiment":"positive","sentiment_score":0.5228245258331299},{"text":"The next one here I can answer for you is asking what is the most aggressive investment you've ever owned.","start":809.09,"end":813.89,"sentiment":"neutral","sentiment_score":0.1429228950291872},{"text":"So you do have managed funds and and ETFs in your super currently, so I'll tick that box up for you.","start":813.89,"end":819.99,"sentiment":"neutral","sentiment_score":0.1891055688971565},{"text":"The next one's asking about your time horizon for how long you have until you wanna access those funds because you're only 38 this year.","start":821.50494,"end":828.94495,"sentiment":"neutral","sentiment_score":0.10296065956354142}],"sentiment":"neutral","sentiment_score":0.15173217062564456,"channel":0,"num_words":68,"start":807.035,"end":828.94495},{"sentences":[{"text":"You've got a lot of time ahead of you.","start":828.94495,"end":830.70496,"sentiment":"neutral","sentiment_score":0.1635490150915252},{"text":"I'll tick off that more than ten year box to make it easier.","start":830.70496,"end":833.52496,"sentiment":"neutral","sentiment_score":0.20430805362187898}],"sentiment":"neutral","sentiment_score":0.18763390149582515,"channel":0,"num_words":22,"start":828.94495,"end":833.52496},{"sentences":[{"text":"Yep.","start":833.715,"end":834.215,"sentiment":"neutral","sentiment_score":0.10248324275016785},{"text":"No worries.","start":834.435,"end":835.175,"sentiment":"neutral","sentiment_score":0.08073564991354942}],"sentiment":"neutral","sentiment_score":0.08798484752575557,"channel":1,"num_words":3,"start":833.715,"end":835.175},{"sentences":[{"text":"The next one here is about inflation.","start":835.15,"end":837.09,"sentiment":"neutral","sentiment_score":0.014400630391069822},{"text":"So it basically says inflation means that things are getting more expensive over time.","start":837.47003,"end":842.03,"sentiment":"neutral","sentiment_score":-0.13320814046476567},{"text":"This essentially makes your money worth less.","start":842.03,"end":844.45,"sentiment":"neutral","sentiment_score":-0.24669166760785238},{"text":"When you think about your super and the level of risk that you're undertaking, are you comfortable taking on a higher level of risk to try and get the greater potential returns knowing there is also a downside at times?","start":844.59,"end":856.045,"sentiment":"neutral","sentiment_score":-0.13019097540527583},{"text":"Are you happy in that more moderate or medium amount of risk to take to get the best returns possible, or are you not comfortable taking on risk and other returns are lower because of that?","start":856.425,"end":867.3,"sentiment":"neutral","sentiment_score":-0.15602578409016132}],"sentiment":"neutral","sentiment_score":-0.13764921606231767,"channel":0,"num_words":104,"start":835.15,"end":867.3},{"sentences":[{"text":"Where do you see yourself busy?","start":867.36,"end":868.88,"sentiment":"neutral","sentiment_score":-0.11365317677458127},{"text":"And you can go in between if you want.","start":868.88,"end":870.9,"sentiment":"neutral","sentiment_score":-0.021283215118779078}],"sentiment":"neutral","sentiment_score":-0.05823119978109995,"channel":0,"num_words":15,"start":867.36,"end":870.9},{"sentences":[{"text":"Yeah.","start":871.21,"end":871.29,"sentiment":"neutral","sentiment_score":0.008764898404479027},{"text":"Probably whatever gets me the most return, really.","start":871.29,"end":874.01,"sentiment":"neutral","sentiment_score":0.05544874956831336},{"text":"So, yeah, probably","start":874.01,"end":875.39,"sentiment":"neutral","sentiment_score":0.035875496764977775}],"sentiment":"neutral","sentiment_score":0.04666511543715993,"channel":1,"num_words":12,"start":871.21,"end":875.39},{"sentences":[{"text":"Yep.","start":875.2,"end":875.7,"sentiment":"neutral","sentiment_score":-0.0019166755955666304}],"sentiment":"neutral","sentiment_score":-0.0019166755955666304,"channel":0,"num_words":1,"start":875.2,"end":875.7},{"sentences":[{"text":"probably between mid to high risk 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did sort of see your super four by 20% over the next one to two years, how do you think you might be feeling?","start":936.435,"end":942.855,"sentiment":"neutral","sentiment_score":-0.020896558546357684}],"sentiment":"neutral","sentiment_score":-0.04382593702677995,"channel":0,"num_words":73,"start":921.85,"end":942.855},{"sentences":[{"text":"Are you thinking it's more of an investment opportunity, might put some more money in and take advantage of the downtime?","start":943.15497,"end":948.215,"sentiment":"neutral","sentiment_score":-0.09213904326870329},{"text":"Are you a bit concerned maybe calling us to see what's sort of going on with it?","start":948.595,"end":952.41,"sentiment":"neutral","sentiment_score":-0.17650857129517725},{"text":"Or are you feeling like you wanna sell the investments and move the money into, say, 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dropped?","start":1039.3501,"end":1040.2301,"sentiment":"neutral","sentiment_score":-0.1489921361207962},{"text":"Is there anything we can kind of do to mitigate that?","start":1040.2301,"end":1042.31,"sentiment":"neutral","sentiment_score":-0.06867293539372357},{"text":"Does that sound fairly comfortable?","start":1042.31,"end":1043.75,"sentiment":"neutral","sentiment_score":-0.010722588747739792},{"text":"Does that sound 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possible?","start":1057.475,"end":1060.775,"sentiment":"neutral","sentiment_score":-0.005618522209780555},{"text":"Are you happy with just the higher level of risk to get the best returns you can, a moderate or medium amount of risk to get the best returns you can, or minimal risk knowing the returns are lower?","start":1061.075,"end":1071.0499,"sentiment":"neutral","sentiment_score":0.08950755191154969}],"sentiment":"neutral","sentiment_score":0.044175162417915366,"channel":0,"num_words":92,"start":1047.3501,"end":1071.0499},{"sentences":[{"text":"Where do you think you'd feel on that scale?","start":1071.0499,"end":1072.99,"sentiment":"neutral","sentiment_score":0.016024511721399095}],"sentiment":"neutral","sentiment_score":0.016024511721399095,"channel":0,"num_words":9,"start":1071.0499,"end":1072.99},{"sentences":[{"text":"Probably Harrick.","start":1073.47,"end":1074.45,"sentiment":"neutral","sentiment_score":0.07246875390410423}],"sentiment":"neutral","sentiment_score":0.07246875390410423,"channel":1,"num_words":2,"start":1073.47,"end":1074.45},{"sentences":[{"text":"Yep.","start":1075.7699,"end":1076.2699,"sentiment":"neutral","sentiment_score":0.26441866159439087},{"text":"Beautiful.","start":1076.49,"end":1076.99,"sentiment":"positive","sentiment_score":0.6198591589927673},{"text":"And the third last one here, it says, what kind of income or what kind of returns are you hoping to get out of your super?","start":1078.57,"end":1086.115,"sentiment":"neutral","sentiment_score":0.10951026256840962},{"text":"So when we think about the different types of returns, we're looking at capital growth, which is a change in the investment prices.","start":1086.115,"end":1092.5349,"sentiment":"neutral","sentiment_score":0.0241274476537238},{"text":"Let's say if you own CBA today, it was worth $50.","start":1092.835,"end":1096.02,"sentiment":"neutral","sentiment_score":0.040890586308457634}],"sentiment":"neutral","sentiment_score":0.07639149020636274,"channel":0,"num_words":62,"start":1075.7699,"end":1096.02},{"sentences":[{"text":"Tomorrow, it's worth a $100.","start":1096.1,"end":1097.86,"sentiment":"neutral","sentiment_score":0.07414890974760055},{"text":"That's $50 of capital growth.","start":1097.86,"end":1099.96,"sentiment":"neutral","sentiment_score":0.1321289673447609},{"text":"The other thing we wanna try and obtain is income.","start":1100.26,"end":1103.0,"sentiment":"neutral","sentiment_score":0.07581679970026016},{"text":"So dividends that are paid out of the investment, paid to your cash account, and it's reinvested back into your portfolio, and that is just with compounding.","start":1103.22,"end":1111.16,"sentiment":"neutral","sentiment_score":0.10939892795350817},{"text":"Do you think when you're thinking about your super, you're looking to get more capital growth, less income, more income, less capital growth, or maybe a balance of the two?","start":1112.0149,"end":1121.1549,"sentiment":"neutral","sentiment_score":0.02292829876144727}],"sentiment":"neutral","sentiment_score":0.07053477142925386,"channel":0,"num_words":77,"start":1096.1,"end":1121.1549},{"sentences":[{"text":"Probably a balance of the two, I think.","start":1122.095,"end":1123.875,"sentiment":"neutral","sentiment_score":0.021107830805703998}],"sentiment":"neutral","sentiment_score":0.021107830805703998,"channel":1,"num_words":8,"start":1122.095,"end":1123.875},{"sentences":[{"text":"Yep.","start":1124.735,"end":1125.1349,"sentiment":"neutral","sentiment_score":0.23564261198043823},{"text":"Beautiful.","start":1125.1349,"end":1125.6349,"sentiment":"positive","sentiment_score":0.4790861606597901},{"text":"And the second one the second last one here is just have you ever thought about borrowing from a financial institution in order to invest, whether it be stocks and ETFs or buying and investment property?","start":1126.65,"end":1138.75,"sentiment":"neutral","sentiment_score":0.05666636706640323}],"sentiment":"neutral","sentiment_score":0.07249257860607222,"channel":0,"num_words":38,"start":1124.735,"end":1138.75},{"sentences":[{"text":"No.","start":1139.86,"end":1140.36,"sentiment":"neutral","sentiment_score":-0.1028880774974823}],"sentiment":"neutral","sentiment_score":-0.1028880774974823,"channel":1,"num_words":1,"start":1139.86,"end":1140.36},{"sentences":[{"text":"Nope.","start":1141.755,"end":1141.995,"sentiment":"neutral","sentiment_score":-0.11485004425048828},{"text":"That's okay.","start":1141.995,"end":1142.8151,"sentiment":"neutral","sentiment_score":-0.033463627099990845},{"text":"And the last one here is how do you think about borrowing to invest would make you feel?","start":1144.875,"end":1149.515,"sentiment":"neutral","sentiment_score":-0.0073020242982440526},{"text":"Are you comfortable if you got the right advice to do so knowing there are risks involved?","start":1149.515,"end":1153.935,"sentiment":"neutral","sentiment_score":-0.061067106969216293},{"text":"You'd be very cautious about doing it because there are risks involved, very hesitant, or you would never do it.","start":1154.28,"end":1160.38,"sentiment":"neutral","sentiment_score":-0.23179509565234185}],"sentiment":"neutral","sentiment_score":-0.10322855978176512,"channel":0,"num_words":58,"start":1141.755,"end":1160.38},{"sentences":[{"text":"I'll be pretty comfy.","start":1161.08,"end":1161.96,"sentiment":"neutral","sentiment_score":0.05220127617940307},{"text":"If I had the right advice, I'd be pretty comfortable with it, but, yeah,","start":1161.96,"end":1165.72,"sentiment":"neutral","sentiment_score":0.06104088920567717}],"sentiment":"neutral","sentiment_score":0.059076530755394034,"channel":1,"num_words":18,"start":1161.08,"end":1165.72},{"sentences":[{"text":"Yep.","start":1165.4,"end":1165.9,"sentiment":"neutral","sentiment_score":0.05144068226218224}],"sentiment":"neutral","sentiment_score":0.05144068226218224,"channel":0,"num_words":1,"start":1165.4,"end":1165.9},{"sentences":[{"text":"probably more so real estate than anything.","start":1165.72,"end":1167.66,"sentiment":"neutral","sentiment_score":0.04106348593320165}],"sentiment":"neutral","sentiment_score":0.04106348593320165,"channel":1,"num_words":7,"start":1165.72,"end":1167.66},{"sentences":[{"text":"Yeah.","start":1168.935,"end":1169.3351,"sentiment":"neutral","sentiment_score":-0.0024850573390722275},{"text":"No.","start":1169.3351,"end":1169.5751,"sentiment":"neutral","sentiment_score":-0.07897619903087616},{"text":"That's okay.","start":1169.5751,"end":1170.2151,"sentiment":"neutral","sentiment_score":-0.047205885872244835},{"text":"Do you want to buy more property or invest in properties in the future, or you're not really open to it?","start":1170.2151,"end":1175.435,"sentiment":"neutral","sentiment_score":-0.08603001776195708}],"sentiment":"neutral","sentiment_score":-0.07930013604462147,"channel":0,"num_words":25,"start":1168.935,"end":1175.435},{"sentences":[{"text":"Yeah.","start":1175.5549,"end":1176.0549,"sentiment":"neutral","sentiment_score":0.10284116864204408},{"text":"I I do want to.","start":1176.115,"end":1177.475,"sentiment":"neutral","sentiment_score":0.11479287296533584},{"text":"I just as as I was just","start":1177.475,"end":1178.995,"sentiment":"neutral","sentiment_score":-0.022393446947847093}],"sentiment":"neutral","sentiment_score":0.040003954217984125,"channel":1,"num_words":13,"start":1175.5549,"end":1178.995},{"sentences":[{"text":"Mhmm.","start":1178.8551,"end":1179.3551,"sentiment":"neutral","sentiment_score":-0.04336906224489212}],"sentiment":"neutral","sentiment_score":-0.04336906224489212,"channel":0,"num_words":1,"start":1178.8551,"end":1179.3551},{"sentences":[{"text":"waiting for all this sort of stuff to settle before I can do that because anything I 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years.","start":1275.76,"end":1280.98,"sentiment":"neutral","sentiment_score":-0.058164473230901514},{"text":"Does that feel like something you're comfortable with?","start":1281.2749,"end":1283.5149,"sentiment":"neutral","sentiment_score":0.09031694568693638},{"text":"And do you have any additional questions?","start":1283.5149,"end":1285.2749,"sentiment":"neutral","sentiment_score":0.05190205041851316},{"text":"You're welcome to let me know if you do.","start":1285.2749,"end":1286.975,"sentiment":"neutral","sentiment_score":0.25201334224806893}],"sentiment":"neutral","sentiment_score":0.05205950386822224,"channel":0,"num_words":50,"start":1273.4401,"end":1286.975},{"sentences":[{"text":"I'm pretty comfortable with 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that is you no.","start":1342.085,"end":1343.9249,"sentiment":"neutral","sentiment_score":-0.1121497929096222},{"text":"That's okay.","start":1343.9249,"end":1344.6449,"sentiment":"neutral","sentiment_score":0.010520515963435173},{"text":"You're fine.","start":1344.6449,"end":1345.3849,"sentiment":"neutral","sentiment_score":0.1302493438124657},{"text":"The next thing is the insurances.","start":1346.0049,"end":1347.465,"sentiment":"neutral","sentiment_score":0.017768988851457834},{"text":"So at the moment, you've got your account insurance policy.","start":1347.6849,"end":1350.345,"sentiment":"neutral","sentiment_score":0.03781783785670996}],"sentiment":"neutral","sentiment_score":0.008223322667181492,"channel":0,"num_words":25,"start":1342.085,"end":1350.345},{"sentences":[{"text":"I've got the Pacifica currency in front of you, so I can see what you do definitely have.","start":1350.8049,"end":1355.065,"sentiment":"neutral","sentiment_score":0.10242195965515243},{"text":"Now at the moment, paid out of your suit, you've got your life and CBD benefits.","start":1355.1799,"end":1359.44,"sentiment":"neutral","sentiment_score":0.033706347399856895},{"text":"Do you understand how these insurances work, what they pay for?","start":1359.5,"end":1363.28,"sentiment":"neutral","sentiment_score":0.012737476351586256}],"sentiment":"neutral","sentiment_score":0.056066868267953394,"channel":0,"num_words":45,"start":1350.8049,"end":1363.28},{"sentences":[{"text":"Yeah.","start":1364.0651,"end":1364.5651,"sentiment":"neutral","sentiment_score":0.06013510376214981}],"sentiment":"neutral","sentiment_score":0.06013510376214981,"channel":1,"num_words":1,"start":1364.0651,"end":1364.5651},{"sentences":[{"text":"Yep.","start":1366.38,"end":1366.88,"sentiment":"neutral","sentiment_score":0.12094723433256148},{"text":"Beautiful.","start":1366.94,"end":1367.44,"sentiment":"neutral","sentiment_score":0.23902079463005063},{"text":"So if in the event of, say, you're passing away, at the moment, you've got your life benefit of 600","start":1367.9149,"end":1373.515,"sentiment":"neutral","sentiment_score":0.11469520051032304}],"sentiment":"neutral","sentiment_score":0.12063054723495786,"channel":0,"num_words":22,"start":1366.38,"end":1373.515},{"sentences":[{"text":"Yep.","start":1373.265,"end":1373.765,"sentiment":"neutral","sentiment_score":0.08493445813655853}],"sentiment":"neutral","sentiment_score":0.08493445813655853,"channel":1,"num_words":1,"start":1373.265,"end":1373.765},{"sentences":[{"text":"and 16,298, and then if you were to also pass away, your super benefit can also be paid out to your beneficiaries as well.","start":1373.515,"end":1381.995,"sentiment":"neutral","sentiment_score":0.1343677882105112},{"text":"So they're looking at roughly a $160,000.","start":1381.995,"end":1385.3201,"sentiment":"neutral","sentiment_score":0.15819981268474034},{"text":"So it's giving","start":1385.4601,"end":1386.1001,"sentiment":"neutral","sentiment_score":0.24954389035701752}],"sentiment":"neutral","sentiment_score":0.14943697873283834,"channel":0,"num_words":34,"start":1373.515,"end":1386.1001},{"sentences":[{"text":"Yep.","start":1386.0399,"end":1386.5399,"sentiment":"neutral","sentiment_score":0.28080201148986816}],"sentiment":"neutral","sentiment_score":0.28080201148986816,"channel":1,"num_words":1,"start":1386.0399,"end":1386.5399},{"sentences":[{"text":"you just over as a total benefit, I think over $776,000 there, which is great.","start":1386.1001,"end":1392.04,"sentiment":"positive","sentiment_score":0.3403668691714605}],"sentiment":"positive","sentiment_score":0.3403668691714605,"channel":0,"num_words":15,"start":1386.1001,"end":1392.04},{"sentences":[{"text":"Yep.","start":1392.635,"end":1393.135,"sentiment":"neutral","sentiment_score":0.14805400371551514}],"sentiment":"neutral","sentiment_score":0.14805400371551514,"channel":1,"num_words":1,"start":1392.635,"end":1393.135},{"sentences":[{"text":"With the fact that the house could be sold and, you know, you split the proceeds essentially or, you know, your ex partner could get it, meaning you get a little bit extra money there.","start":1393.14,"end":1403.265,"sentiment":"neutral","sentiment_score":0.14711540256227765},{"text":"How would you want that money to be split in the event that you would have passed 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give","start":1443.99,"end":1444.3099,"sentiment":"neutral","sentiment_score":0.06581208854913712}],"sentiment":"neutral","sentiment_score":0.1257159005229672,"channel":0,"num_words":24,"start":1436.155,"end":1444.3099},{"sentences":[{"text":"Yep.","start":1444.1799,"end":1444.6799,"sentiment":"neutral","sentiment_score":0.0762808695435524}],"sentiment":"neutral","sentiment_score":0.0762808695435524,"channel":1,"num_words":1,"start":1444.1799,"end":1444.6799},{"sentences":[{"text":"you a bit of context, now if you were to pass away, this money isn't directly paid to the children.","start":1444.3099,"end":1450.73,"sentiment":"neutral","sentiment_score":-0.008073418727144599},{"text":"It's essentially directed to their guardian, and then it is up to the guardian to distribute those funds amongst the 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I'll make sure that with the estate planning side of things here that we will have LPR set up, and I'll recommend legal personal representative on your life insurance and also your.","start":1539.5349,"end":1550.99,"sentiment":"neutral","sentiment_score":0.1903697866382021},{"text":"That way, it can go to your state and be directed as per your wishes.","start":1551.13,"end":1554.51,"sentiment":"neutral","sentiment_score":0.17065037389596302},{"text":"Okay.","start":1554.73,"end":1555.23,"sentiment":"neutral","sentiment_score":0.07588847726583481}],"sentiment":"neutral","sentiment_score":0.18784538977870754,"channel":0,"num_words":51,"start":1538.735,"end":1555.23},{"sentences":[{"text":"Yep.","start":1554.77,"end":1555.27,"sentiment":"neutral","sentiment_score":0.07464448362588882},{"text":"No 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works?","start":1582.68,"end":1585.7401,"sentiment":"neutral","sentiment_score":0.008923273184336722}],"sentiment":"neutral","sentiment_score":0.008923273184336722,"channel":0,"num_words":8,"start":1582.68,"end":1585.7401},{"sentences":[{"text":"Yeah.","start":1587.705,"end":1588.205,"sentiment":"neutral","sentiment_score":-0.06891582906246185},{"text":"Vaguely, it's like if you if you're unable to work or something like that, isn't it?","start":1588.4249,"end":1592.505,"sentiment":"neutral","sentiment_score":-0.06360897462582216},{"text":"You get 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okay.","start":1596.625,"end":1597.2849,"sentiment":"neutral","sentiment_score":0.048451561480760574},{"text":"So with Total Term and Disability, you've got the same level of cover, so 616,000.","start":1597.4249,"end":1603.0249,"sentiment":"neutral","sentiment_score":0.05020708839098612},{"text":"If you are ever unable to get back to work again due to total incapacity or disability, we can also claim against the super benefits.","start":1603.0249,"end":1611.23,"sentiment":"neutral","sentiment_score":0.013683662116527558},{"text":"You can have that released.","start":1611.23,"end":1612.69,"sentiment":"neutral","sentiment_score":0.083028444647789},{"text":"The only thing I just like to make sure I clarify is that when you do claim on CBD or if you do claim on CBD, if you are under the age of 60 and you withdraw the funds out as a lump sum, that becomes taxable money, and the government can tax it up to 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terrible.","start":1636.11,"end":1637.09,"sentiment":"negative","sentiment_score":-0.7568360765775045}],"sentiment":"negative","sentiment_score":-0.7568360765775045,"channel":1,"num_words":3,"start":1636.11,"end":1637.09},{"sentences":[{"text":"But it's just kind of yeah.","start":1637.47,"end":1638.99,"sentiment":"negative","sentiment_score":-0.5716030051310858},{"text":"This is awful.","start":1638.99,"end":1639.79,"sentiment":"negative","sentiment_score":-0.8014216820398966},{"text":"It's horrible.","start":1639.79,"end":1640.27,"sentiment":"negative","sentiment_score":-0.4838363379240036},{"text":"I don't think anyone should be taxed if they're unable to ever go back to work again due to disability.","start":1640.27,"end":1644.51,"sentiment":"negative","sentiment_score":-0.4047689110040665},{"text":"It does not feel right anyway.","start":1644.51,"end":1646.13,"sentiment":"negative","sentiment_score":-0.4205120901266734}],"sentiment":"negative","sentiment_score":-0.47081098685393463,"channel":0,"num_words":37,"start":1637.47,"end":1646.13},{"sentences":[{"text":"But we just like to kinda make sure that you're aware of that.","start":1647.345,"end":1650.085,"sentiment":"neutral","sentiment_score":-0.0783057467868695}],"sentiment":"neutral","sentiment_score":-0.0783057467868695,"channel":0,"num_words":13,"start":1647.345,"end":1650.085},{"sentences":[{"text":"Yep.","start":1650.075,"end":1650.575,"sentiment":"neutral","sentiment_score":0.06651636958122253}],"sentiment":"neutral","sentiment_score":0.06651636958122253,"channel":1,"num_words":1,"start":1650.075,"end":1650.575},{"sentences":[{"text":"Essentially, if you were to ever claim on TDD, we would help provide advice on getting the claim done, but then also what to do with the 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expenditure?","start":1703.64,"end":1711.8451,"sentiment":"neutral","sentiment_score":0.08524741218067132},{"text":"Would you feel comfortable with that?","start":1711.905,"end":1713.265,"sentiment":"neutral","sentiment_score":0.03821381119390329}],"sentiment":"neutral","sentiment_score":0.07899519752660027,"channel":0,"num_words":73,"start":1686.7151,"end":1713.265},{"sentences":[{"text":"Did you wanna look at increasing or getting a higher amount of income protection?","start":1713.265,"end":1717.045,"sentiment":"neutral","sentiment_score":0.007572337985038757}],"sentiment":"neutral","sentiment_score":0.007572337985038757,"channel":0,"num_words":14,"start":1713.265,"end":1717.045},{"sentences":[{"text":"Yeah.","start":1717.7,"end":1717.94,"sentiment":"neutral","sentiment_score":0.008624380454421043},{"text":"Probably look at increasing 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right?","start":1728.01,"end":1728.99,"sentiment":"neutral","sentiment_score":0.10168299575646718}],"sentiment":"neutral","sentiment_score":0.10484163260416073,"channel":0,"num_words":17,"start":1720.81,"end":1728.99},{"sentences":[{"text":"That","start":1729.2101,"end":1729.37,"sentiment":"neutral","sentiment_score":0.02372242696583271}],"sentiment":"neutral","sentiment_score":0.02372242696583271,"channel":0,"num_words":1,"start":1729.2101,"end":1729.37},{"sentences":[{"text":"Yeah.","start":1729.3049,"end":1729.8049,"sentiment":"neutral","sentiment_score":0.03268234431743622}],"sentiment":"neutral","sentiment_score":0.03268234431743622,"channel":1,"num_words":1,"start":1729.3049,"end":1729.8049},{"sentences":[{"text":"would be what I base it 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recommend you increase that, what that looks like, and what the kind of contract you can expect would look like as well.","start":1761.02,"end":1772.025,"sentiment":"neutral","sentiment_score":0.09154559210652397},{"text":"Okay?","start":1772.025,"end":1772.525,"sentiment":"neutral","sentiment_score":0.06087976694107056}],"sentiment":"neutral","sentiment_score":0.1887788273718046,"channel":0,"num_words":69,"start":1755.9,"end":1772.525},{"sentences":[{"text":"Yep.","start":1772.34,"end":1772.84,"sentiment":"neutral","sentiment_score":0.09173815697431564},{"text":"No worries.","start":1772.9,"end":1773.72,"sentiment":"neutral","sentiment_score":0.21512100100517273}],"sentiment":"neutral","sentiment_score":0.17399338632822037,"channel":1,"num_words":3,"start":1772.34,"end":1773.72},{"sentences":[{"text":"Excellent.","start":1774.48,"end":1774.88,"sentiment":"positive","sentiment_score":0.6100651025772095},{"text":"Do you have any questions at the 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pretty 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all good.","start":1787.5199,"end":1788.5,"sentiment":"positive","sentiment_score":0.34419618050257367},{"text":"Now there are other types of personal insurance that you can also have.","start":1788.9049,"end":1792.105,"sentiment":"neutral","sentiment_score":0.026833428499790337},{"text":"You can have trauma.","start":1792.105,"end":1793.325,"sentiment":"neutral","sentiment_score":-0.012489361222833395}],"sentiment":"neutral","sentiment_score":0.09311347954313863,"channel":0,"num_words":22,"start":1786.6399,"end":1793.325},{"sentences":[{"text":"Trauma, unlike your life, keep it in income protection.","start":1793.7849,"end":1796.605,"sentiment":"neutral","sentiment_score":-0.02531210457285245},{"text":"It's not paid before by super.","start":1796.985,"end":1798.9049,"sentiment":"neutral","sentiment_score":-0.009193220641463995},{"text":"It has to be paid out of your back 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retirement.","start":2028.21,"end":2037.51,"sentiment":"neutral","sentiment_score":-0.08707423752639443},{"text":"Access income is around about 1,700 per week currently.","start":2038.05,"end":2041.785,"sentiment":"neutral","sentiment_score":-0.049902820545766086},{"text":"That could definitely change.","start":2041.785,"end":2043.245,"sentiment":"neutral","sentiment_score":-0.08607218228280544},{"text":"We're looking at being a growth investor, and I'll go back and reassess the super fund as well as the investments within that to keep you in that risk profile, but to see if anything needs to be switched out or changed or updated since you were onboarded originally.","start":2043.9451,"end":2058.98,"sentiment":"neutral","sentiment_score":0.026907054365289455}],"sentiment":"neutral","sentiment_score":-0.03223009754826004,"channel":0,"num_words":96,"start":2027.25,"end":2058.98},{"sentences":[{"text":"Does that sound correct?","start":2058.98,"end":2060.1,"sentiment":"neutral","sentiment_score":0.03201472666114569},{"text":"Have I missed anything at all there?","start":2060.1,"end":2062.04,"sentiment":"neutral","sentiment_score":-0.052265991057668416}],"sentiment":"neutral","sentiment_score":-0.02161845734173601,"channel":0,"num_words":11,"start":2058.98,"end":2062.04},{"sentences":[{"text":"No.","start":2062.34,"end":2062.58,"sentiment":"neutral","sentiment_score":-0.030948443338274956},{"text":"That sounds all pretty right.","start":2062.58,"end":2064.12,"sentiment":"neutral","sentiment_score":0.05314822755753994}],"sentiment":"neutral","sentiment_score":0.03913211574157079,"channel":1,"num_words":6,"start":2062.34,"end":2064.12},{"sentences":[{"text":"Yeah.","start":2065.22,"end":2065.62,"sentiment":"neutral","sentiment_score":0.155450701713562},{"text":"Beautiful.","start":2065.62,"end":2066.12,"sentiment":"positive","sentiment_score":0.38566792011260986},{"text":"We'll hold off on any 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yeah.","start":2130.8052,"end":2131.945,"sentiment":"neutral","sentiment_score":0.14019520953297615}],"sentiment":"neutral","sentiment_score":0.09402419053591214,"channel":1,"num_words":13,"start":2128.725,"end":2131.945},{"sentences":[{"text":"Perfect.","start":2132.795,"end":2133.295,"sentiment":"positive","sentiment_score":0.4445540010929108},{"text":"Perfect.","start":2133.675,"end":2134.175,"sentiment":"positive","sentiment_score":0.3905014097690582},{"text":"I have them here your next of kin is your mom.","start":2135.195,"end":2137.595,"sentiment":"neutral","sentiment_score":0.15575135566971518},{"text":"Are you happy keeping your mom, Angela, down as next of kin on file, or did you wanna change","start":2137.595,"end":2142.155,"sentiment":"neutral","sentiment_score":0.06981877482643253}],"sentiment":"neutral","sentiment_score":0.12108990765409544,"channel":0,"num_words":32,"start":2132.795,"end":2142.155},{"sentences":[{"text":"Yeah.","start":2142.02,"end":2142.52,"sentiment":"neutral","sentiment_score":0.013099713250994682}],"sentiment":"neutral","sentiment_score":0.013099713250994682,"channel":1,"num_words":1,"start":2142.02,"end":2142.52},{"sentences":[{"text":"or alter that?","start":2142.155,"end":2143.055,"sentiment":"neutral","sentiment_score":0.010715105260411898}],"sentiment":"neutral","sentiment_score":0.010715105260411898,"channel":0,"num_words":3,"start":2142.155,"end":2143.055},{"sentences":[{"text":"No.","start":2143.06,"end":2143.3801,"sentiment":"neutral","sentiment_score":-0.023615023121237755},{"text":"I'll leave that 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anymore.","start":2249.835,"end":2251.055,"sentiment":"neutral","sentiment_score":-0.05226112902164459},{"text":"We actually work out for the year as a set dollar figure fee how much that will be, And that means that, like, if the way it used to be is if you've got a 20 or, you know, 15 or 20% return, your fee would go up with that.","start":2251.355,"end":2264.61,"sentiment":"neutral","sentiment_score":0.03577339768409729},{"text":"That no longer happens.","start":2264.67,"end":2265.79,"sentiment":"neutral","sentiment_score":-0.02652845485135913},{"text":"We essentially work out what tier structure you work in for the ongoing service fee, and then we add 5% growth to that amount, and that's how much you pay for the year.","start":2265.79,"end":2275.2048,"sentiment":"neutral","sentiment_score":0.13140462655009646},{"text":"So it gives you a lot more certainty around how much the ongoing service fee is that particularly it.","start":2275.2048,"end":2280.425,"sentiment":"neutral","sentiment_score":0.2417733559482976}],"sentiment":"neutral","sentiment_score":0.0932549266564148,"channel":0,"num_words":111,"start":2249.835,"end":2280.425},{"sentences":[{"text":"And it also means that the more your balance grows, the lower the fee or the lower the tier is going to be or the lower the percentage within that tier is going to be as well.","start":2280.645,"end":2289.5498,"sentiment":"neutral","sentiment_score":0.20592526567948832},{"text":"So it works out to be a lot more favorable for you as a client, but it also means that we're able to charge our ongoing services and keep providing our advice there.","start":2289.5498,"end":2298.4648,"sentiment":"positive","sentiment_score":0.34523438504247955},{"text":"Does that make sense?","start":2298.4648,"end":2299.4248,"sentiment":"neutral","sentiment_score":0.10961112380027771},{"text":"Do you have any questions?","start":2299.4248,"end":2300.7249,"sentiment":"neutral","sentiment_score":0.043685024976730345}],"sentiment":"neutral","sentiment_score":0.2489726475522488,"channel":0,"num_words":79,"start":2280.645,"end":2300.7249},{"sentences":[{"text":"Yeah.","start":2300.4949,"end":2300.9949,"sentiment":"neutral","sentiment_score":0.08951754868030548},{"text":"No.","start":2301.2148,"end":2301.4548,"sentiment":"neutral","sentiment_score":0.11752831935882568},{"text":"That sounds good.","start":2301.4548,"end":2302.4348,"sentiment":"neutral","sentiment_score":0.32457966605822247}],"sentiment":"neutral","sentiment_score":0.2361569732427597,"channel":1,"num_words":5,"start":2300.4949,"end":2302.4348},{"sentences":[{"text":"That's okay.","start":2303.265,"end":2304.065,"sentiment":"positive","sentiment_score":0.3916288912296295},{"text":"Beautiful.","start":2304.065,"end":2304.4648,"sentiment":"positive","sentiment_score":0.6657072305679321},{"text":"We wanted to sort of make it fair and changes that worked for our clients and making that step here structure works really well.","start":2304.4648,"end":2311.2048,"sentiment":"positive","sentiment_score":0.5379779500265917},{"text":"I'm not sure if you remember the the SDS we used to provide.","start":2311.85,"end":2315.05,"sentiment":"neutral","sentiment_score":0.03196874561791237},{"text":"They used to essentially give you an idea or an estimate on the fee for the next twelve months.","start":2315.05,"end":2319.31,"sentiment":"neutral","sentiment_score":0.0954612536649955}],"sentiment":"neutral","sentiment_score":0.2811829377344604,"channel":0,"num_words":59,"start":2303.265,"end":2319.31},{"sentences":[{"text":"This gives you a lot more certainty there.","start":2319.45,"end":2321.53,"sentiment":"neutral","sentiment_score":0.1671998454257846},{"text":"So it's about making sure that it's there.","start":2321.53,"end":2324.25,"sentiment":"neutral","sentiment_score":0.12127365544438362},{"text":"It's a good system, and I do like that as your balance increases over time, that net pay drops down and your fee gets lower, which is kind of cool.","start":2324.25,"end":2332.215,"sentiment":"positive","sentiment_score":0.8313564002513886},{"text":"So it's about making sure that your balance is working harder for you.","start":2332.215,"end":2336.235,"sentiment":"positive","sentiment_score":0.5209636413134061},{"text":"Because we do go through the onboarding process again, and I do have to do the research.","start":2336.5352,"end":2340.5352,"sentiment":"neutral","sentiment_score":0.28839726395466747}],"sentiment":"positive","sentiment_score":0.5121547478790346,"channel":0,"num_words":76,"start":2319.45,"end":2340.5352},{"sentences":[{"text":"I do have to charge the implementation fee again.","start":2340.5352,"end":2342.78,"sentiment":"neutral","sentiment_score":0.12025042374928792},{"text":"So it is 4,950 just so you're fully aware.","start":2342.78,"end":2346.48,"sentiment":"neutral","sentiment_score":0.15409847017791536}],"sentiment":"neutral","sentiment_score":0.13717444696360165,"channel":0,"num_words":18,"start":2340.5352,"end":2346.48},{"sentences":[{"text":"Yep.","start":2347.06,"end":2347.56,"sentiment":"neutral","sentiment_score":0.1288619041442871}],"sentiment":"neutral","sentiment_score":0.1288619041442871,"channel":1,"num_words":1,"start":2347.06,"end":2347.56},{"sentences":[{"text":"But we don't turn any of this back on until you decide to take the advice.","start":2347.1,"end":2351.1199,"sentiment":"neutral","sentiment_score":0.046732323709875345},{"text":"And, again, the same as every other advice case, it's all, you know, up to you.","start":2351.34,"end":2355.26,"sentiment":"neutral","sentiment_score":0.11638210900127888},{"text":"I will give you the advice, show you what I'm recommending we do, how this works for you, the projected outcome based on, you know, the next couple of years to sort of show you the what we're projecting to to look like, essentially.","start":2355.26,"end":2367.4749,"sentiment":"neutral","sentiment_score":0.22521258094771343},{"text":"And then you get to take it away, read it.","start":2367.855,"end":2369.855,"sentiment":"neutral","sentiment_score":0.144759389013052},{"text":"Let me know if you happen to have any questions in this side, whether you're happy to take the advice.","start":2369.855,"end":2374.01,"sentiment":"neutral","sentiment_score":0.14752532504498958}],"sentiment":"neutral","sentiment_score":0.15959702713309593,"channel":0,"num_words":106,"start":2347.1,"end":2374.01},{"sentences":[{"text":"Does that sound okay?","start":2374.01,"end":2375.1501,"sentiment":"neutral","sentiment_score":0.11018383502960205}],"sentiment":"neutral","sentiment_score":0.11018383502960205,"channel":0,"num_words":4,"start":2374.01,"end":2375.1501},{"sentences":[{"text":"Yes.","start":2375.395,"end":2375.635,"sentiment":"neutral","sentiment_score":0.10089421272277832},{"text":"Yes.","start":2375.635,"end":2375.875,"sentiment":"neutral","sentiment_score":0.15401266515254974},{"text":"Good.","start":2375.875,"end":2376.375,"sentiment":"neutral","sentiment_score":0.31407421827316284}],"sentiment":"neutral","sentiment_score":0.1896603653828303,"channel":1,"num_words":3,"start":2375.395,"end":2376.375},{"sentences":[{"text":"Yep.","start":2377.61,"end":2378.01,"sentiment":"neutral","sentiment_score":0.30455631017684937},{"text":"Beautiful.","start":2378.01,"end":2378.51,"sentiment":"positive","sentiment_score":0.6392165422439575},{"text":"Excellent.","start":2378.6501,"end":2379.1501,"sentiment":"positive","sentiment_score":0.6552026271820068},{"text":"It'll take you just a couple of weeks to kinda get through the research and come back with the advice page.","start":2379.6902,"end":2385.47,"sentiment":"positive","sentiment_score":0.3944590829667591}],"sentiment":"positive","sentiment_score":0.4117756759126981,"channel":0,"num_words":24,"start":2377.61,"end":2385.47},{"sentences":[{"text":"Yep.","start":2386.0,"end":2386.5,"sentiment":"neutral","sentiment_score":0.15101872384548187}],"sentiment":"neutral","sentiment_score":0.15101872384548187,"channel":1,"num_words":1,"start":2386.0,"end":2386.5},{"sentences":[{"text":"Am I able to take some time now just to book you back in to go to the advice with me in a few weeks?","start":2386.2651,"end":2391.5652,"sentiment":"neutral","sentiment_score":0.11890759378671646}],"sentiment":"neutral","sentiment_score":0.11890759378671646,"channel":0,"num_words":25,"start":2386.2651,"end":2391.5652},{"sentences":[{"text":"Yeah.","start":2391.6802,"end":2392.08,"sentiment":"neutral","sentiment_score":0.05064430832862854},{"text":"No dramas.","start":2392.08,"end":2392.82,"sentiment":"neutral","sentiment_score":0.04212894290685654}],"sentiment":"neutral","sentiment_score":0.044967398047447205,"channel":1,"num_words":3,"start":2391.6802,"end":2392.82},{"sentences":[{"text":"Yeah.","start":2393.705,"end":2394.205,"sentiment":"neutral","sentiment_score":0.1643086075782776},{"text":"Fantastic.","start":2394.2651,"end":2394.7651,"sentiment":"positive","sentiment_score":0.3624350428581238},{"text":"What time of day generally suits you there?","start":2395.625,"end":2398.7651,"sentiment":"neutral","sentiment_score":0.06894294125959277}],"sentiment":"neutral","sentiment_score":0.10782871805131436,"channel":0,"num_words":10,"start":2393.705,"end":2398.7651},{"sentences":[{"text":"Probably at the same time.","start":2399.9248,"end":2401.125,"sentiment":"neutral","sentiment_score":0.029352977126836776},{"text":"Probably at 04:00.","start":2401.125,"end":2402.345,"sentiment":"neutral","sentiment_score":0.026709765195846558}],"sentiment":"neutral","sentiment_score":0.028361772652715445,"channel":1,"num_words":8,"start":2399.9248,"end":2402.345},{"sentences":[{"text":"Yeah.","start":2403.64,"end":2403.96,"sentiment":"neutral","sentiment_score":0.06092806160449982},{"text":"Absolutely.","start":2403.96,"end":2404.46,"sentiment":"neutral","sentiment_score":0.09449680149555206},{"text":"Okay.","start":2405.0798,"end":2405.5798,"sentiment":"neutral","sentiment_score":0.062225811183452606},{"text":"So just looking at the calendar.","start":2406.1199,"end":2411.42,"sentiment":"neutral","sentiment_score":0.04596696235239506},{"text":"Does the Thursday still work for you okay?","start":2412.815,"end":2415.635,"sentiment":"neutral","sentiment_score":0.03262112708762288}],"sentiment":"neutral","sentiment_score":0.04437773324110929,"channel":0,"num_words":17,"start":2403.64,"end":2415.635},{"sentences":[{"text":"Yeah.","start":2416.43,"end":2416.67,"sentiment":"neutral","sentiment_score":0.0422682985663414},{"text":"It says that'll be fine.","start":2416.67,"end":2417.89,"sentiment":"neutral","sentiment_score":0.07128663137555122}],"sentiment":"neutral","sentiment_score":0.06645024257401626,"channel":1,"num_words":6,"start":2416.43,"end":2417.89},{"sentences":[{"text":"That'd be okay?","start":2419.295,"end":2420.015,"sentiment":"neutral","sentiment_score":0.09705276787281036},{"text":"Yep.","start":2420.015,"end":2420.255,"sentiment":"neutral","sentiment_score":0.1033799573779106},{"text":"Beautiful.","start":2420.255,"end":2420.7349,"sentiment":"neutral","sentiment_score":0.25202476978302},{"text":"So I could do 04:00 on Thursday, October 16.","start":2420.7349,"end":2424.4148,"sentiment":"neutral","sentiment_score":0.04698686218923993},{"text":"Would that be alright?","start":2424.4148,"end":2425.4749,"sentiment":"neutral","sentiment_score":0.046161760576069355}],"sentiment":"neutral","sentiment_score":0.06967176848815547,"channel":0,"num_words":18,"start":2419.295,"end":2425.4749},{"sentences":[{"text":"Yeah.","start":2425.79,"end":2425.8699,"sentiment":"neutral","sentiment_score":0.05486509203910827},{"text":"Yep.","start":2425.8699,"end":2426.27,"sentiment":"neutral","sentiment_score":0.0756920725107193},{"text":"That's fine.","start":2426.27,"end":2427.17,"sentiment":"neutral","sentiment_score":0.16487815976142883}],"sentiment":"neutral","sentiment_score":0.11507837101817131,"channel":1,"num_words":4,"start":2425.79,"end":2427.17},{"sentences":[{"text":"Yep.","start":2427.9102,"end":2428.31,"sentiment":"neutral","sentiment_score":0.2255137413740158},{"text":"Perfect.","start":2428.31,"end":2428.81,"sentiment":"positive","sentiment_score":0.551069974899292},{"text":"I'll book it in there for you.","start":2428.87,"end":2430.1501,"sentiment":"positive","sentiment_score":0.39994092498506817},{"text":"I'll add a text message reminder in there just so it lets you, you know, give you a prompt.","start":2430.1501,"end":2434.55,"sentiment":"neutral","sentiment_score":0.26144055551604223},{"text":"That way, if anything happens to come up, you can let us know it's not an issue.","start":2434.55,"end":2437.9302,"sentiment":"neutral","sentiment_score":0.25881118393119645}],"sentiment":"neutral","sentiment_score":0.28762957495119834,"channel":0,"num_words":45,"start":2427.9102,"end":2437.9302},{"sentences":[{"text":"I'll go back and do all the research, have a look at what we can do.","start":2438.265,"end":2441.325,"sentiment":"neutral","sentiment_score":0.2693171976134181},{"text":"I can see that the statement here is definitely some changes I'd love to make to your portfolio, some investments that no longer sort of fit the current climate there.","start":2441.545,"end":2449.645,"sentiment":"neutral","sentiment_score":0.2533935328324636},{"text":"And I'll","start":2449.865,"end":2450.1848,"sentiment":"neutral","sentiment_score":0.25890688598155975}],"sentiment":"neutral","sentiment_score":0.25893114414066076,"channel":0,"num_words":48,"start":2438.265,"end":2450.1848},{"sentences":[{"text":"Yep.","start":2450.1099,"end":2450.6099,"sentiment":"neutral","sentiment_score":0.22593745589256287}],"sentiment":"neutral","sentiment_score":0.22593745589256287,"channel":1,"num_words":1,"start":2450.1099,"end":2450.6099},{"sentences":[{"text":"show you what that looks like as a whole.","start":2450.1848,"end":2451.865,"sentiment":"neutral","sentiment_score":0.3042388955752055},{"text":"We'll go through it together, and then you get to take that back and have a bit of a read through it as 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sounds","start":2457.965,"end":2458.365,"sentiment":"positive","sentiment_score":0.7433727979660034}],"sentiment":"positive","sentiment_score":0.7433727979660034,"channel":1,"num_words":2,"start":2457.965,"end":2458.365},{"sentences":[{"text":"does","start":2458.176,"end":2458.4595,"sentiment":"positive","sentiment_score":0.7778140902519226}],"sentiment":"positive","sentiment_score":0.7778140902519226,"channel":0,"num_words":1,"start":2458.176,"end":2458.4595},{"sentences":[{"text":"great.","start":2458.365,"end":2458.865,"sentiment":"positive","sentiment_score":0.8035303354263306}],"sentiment":"positive","sentiment_score":0.8035303354263306,"channel":1,"num_words":1,"start":2458.365,"end":2458.865},{"sentences":[{"text":"that sound, Darren?","start":2458.4595,"end":2459.3098,"sentiment":"positive","sentiment_score":0.6654019355773926},{"text":"Beautiful.","start":2459.3098,"end":2459.5935,"sentiment":"positive","sentiment_score":0.7180960774421692},{"text":"Do you happen to have any questions or anything that maybe I haven't touched on that you wanted to ask me while you've got me here today at all?","start":2459.5935,"end":2467.815,"sentiment":"neutral","sentiment_score":0.19822155581466083}],"sentiment":"neutral","sentiment_score":0.2564462728121064,"channel":0,"num_words":33,"start":2458.4595,"end":2467.815},{"sentences":[{"text":"No.","start":2468.7651,"end":2469.18,"sentiment":"neutral","sentiment_score":-0.07420127093791962},{"text":"No.","start":2469.3398,"end":2469.5798,"sentiment":"neutral","sentiment_score":-0.06567016243934631},{"text":"Pretty straightforward.","start":2469.5798,"end":2470.3198,"sentiment":"neutral","sentiment_score":0.166603434830904}],"sentiment":"neutral","sentiment_score":0.04833385907113552,"channel":1,"num_words":4,"start":2468.7651,"end":2470.3198},{"sentences":[{"text":"No?","start":2470.4548,"end":2470.9548,"sentiment":"neutral","sentiment_score":0.1206257790327072},{"text":"Fantastic.","start":2472.055,"end":2472.555,"sentiment":"positive","sentiment_score":0.7119216918945312},{"text":"Look.","start":2473.175,"end":2473.4949,"sentiment":"positive","sentiment_score":0.7668164968490601},{"text":"I have thoroughly enjoyed meeting with you today.","start":2473.4949,"end":2476.055,"sentiment":"positive","sentiment_score":0.8984941616654396},{"text":"I look forward to putting this advice document together and us going through it in a couple of weeks.","start":2476.055,"end":2480.2349,"sentiment":"positive","sentiment_score":0.7449061462753698}],"sentiment":"positive","sentiment_score":0.7646844680110614,"channel":0,"num_words":30,"start":2470.4548,"end":2480.2349},{"sentences":[{"text":"If you do happen to have any questions, please reach out to myself or Maddie, and I'll talk to you on the fifteenth.","start":2480.44,"end":2486.28,"sentiment":"neutral","sentiment_score":0.2930446895568267},{"text":"If I don't look forward, I hope you have a good weekend.","start":2486.28,"end":2488.7,"sentiment":"positive","sentiment_score":0.3947221127649148}],"sentiment":"neutral","sentiment_score":0.3279055203710284,"channel":0,"num_words":35,"start":2480.44,"end":2488.7},{"sentences":[{"text":"Yeah.","start":2489.2449,"end":2489.4849,"sentiment":"neutral","sentiment_score":0.28677666187286377},{"text":"No worries.","start":2489.4849,"end":2489.885,"sentiment":"positive","sentiment_score":0.33759792149066925},{"text":"You too.","start":2489.885,"end":2490.625,"sentiment":"positive","sentiment_score":0.43097415566444397}],"sentiment":"positive","sentiment_score":0.36478416323661805,"channel":1,"num_words":5,"start":2489.2449,"end":2490.625},{"sentences":[{"text":"Easy.","start":2491.4001,"end":2491.8801,"sentiment":"positive","sentiment_score":0.5732212066650391},{"text":"Thanks so much for your time, Jared, and talk to you soon.","start":2491.8801,"end":2494.62,"sentiment":"positive","sentiment_score":0.7841760267814001}],"sentiment":"positive","sentiment_score":0.7679487329262954,"channel":0,"num_words":13,"start":2491.4001,"end":2494.62},{"sentences":[{"text":"No worries.","start":2494.765,"end":2495.1648,"sentiment":"positive","sentiment_score":0.33550187945365906},{"text":"Thanks,","start":2495.1648,"end":2495.4849,"sentiment":"positive","sentiment_score":0.6023952960968018}],"sentiment":"positive","sentiment_score":0.42446635166804,"channel":1,"num_words":3,"start":2494.765,"end":2495.4849},{"sentences":[{"text":"Thanks.","start":2495.343,"end":2495.843,"sentiment":"positive","sentiment_score":0.6955709457397461}],"sentiment":"positive","sentiment_score":0.6955709457397461,"channel":0,"num_words":1,"start":2495.343,"end":2495.843},{"sentences":[{"text":"Donna.","start":2495.4849,"end":2495.9849,"sentiment":"positive","sentiment_score":0.34531038999557495},{"text":"Bye.","start":2496.125,"end":2496.625,"sentiment":"neutral","sentiment_score":0.29257839918136597}],"sentiment":"neutral","sentiment_score":0.31894439458847046,"channel":1,"num_words":2,"start":2495.4849,"end":2496.625},{"sentences":[{"text":"Yeah.","start":2496.943,"end":2497.343,"sentiment":"neutral","sentiment_score":0.15257537364959717},{"text":"Bye.","start":2497.343,"end":2497.843,"sentiment":"neutral","sentiment_score":-0.0929693654179573}],"sentiment":"neutral","sentiment_score":0.02980300411581993,"channel":0,"num_words":2,"start":2496.943,"end":2497.843}]},"summary":{"result":"success","short":"The adviser from a financial company called Jared Angelo Borschman discusses his financial goals and divorce process with the agent. They discuss retirement plans, income goals, risk profiles, and retirement plans, including contributions and risk profiles. The agent emphasizes the importance of risk management for growth and maintaining a growth portfolio, and provides information on personal insurance coverage and fees. They also discuss the settlement process and offer advice on portfolio investments. The speaker emphasizes the importance of making changes to the portfolio and provides guidance on booking clients back in a few weeks."},"intents":{"segments":[{"text":"Well, I know you've been speaking with my colleague, Maddie, there. Kinda gone through and done all the research there for you. So I'm not sure if we've spoken before, but my name is Dana, and I'm one of the financial advisers here at OC Financial. So I'll be the one putting the advice together and doing the research there for you. Yep.","start_word":215,"end_word":277,"intents":[{"intent":"Schedule call with adviser","confidence_score":0.053845894}]},{"text":"I will have a chat about sort of re onboarding what that looks like, what you're after with regard to financial advice, and then I'll go back and do some research and put the plan together to see how we can help you moving forward. How does that sound?","start_word":320,"end_word":368,"intents":[{"intent":"Discuss process","confidence_score":0.013804698}]},{"text":"So, firstly, just wanted to touch base. Now one of the things I do have here at the moment, and and I do apologize, I can see here that you are separated, and I believe going through a divorce is not quite finalized. Is that right? Yes.","start_word":372,"end_word":418,"intents":[{"intent":"Discuss relationship","confidence_score":0.00003830005}]},{"text":"it's just the time consuming thing trying to get them to a degree to to a greater something. Yeah.","start_word":529,"end_word":547,"intents":[{"intent":"Understand process","confidence_score":0.015329049}]},{"text":"any likelihood that maybe your system might end up being split as well, or is Yeah.","start_word":667,"end_word":682,"intents":[{"intent":"Discuss splitting","confidence_score":0.0007775653}]},{"text":"So I believe hers is roughly a 140 something thousand. So it's it'll be, like, a $10,000 in her direction or something like that. So it Yep.","start_word":694,"end_word":720,"intents":[{"intent":"Discuss financial planning","confidence_score":0.0070347534}]},{"text":"Do you know what age you are hoping to be able to maybe retire at this Not super?","start_word":1065,"end_word":1082,"intents":[{"intent":"Determine retirement age","confidence_score":0.063190475},{"intent":"Discuss retirement goals","confidence_score":0.013628501},{"intent":"Explain retirement age","confidence_score":0.021048924},{"intent":"Confirm retirement age","confidence_score":0.020251093}]},{"text":"I haven't given it much I haven't given it much thought, to be honest. I don't wanna be I don't wanna No. be working till I'm 80. That's for sure.","start_word":1085,"end_word":1114,"intents":[{"intent":"Express dissatisfaction with age","confidence_score":0.0010467233}]},{"text":"The other option is if you work past 60 at age 65, regardless of whether you're working or not, they do allow you full access to your super tax rate or 67.","start_word":1153,"end_word":1184,"intents":[{"intent":"Offer retirement options","confidence_score":0.016098058}]},{"text":"Is that your retirement years and travel?","start_word":1245,"end_word":1251,"intents":[{"intent":"Explain retirement benefits","confidence_score":0.0040729884},{"intent":"Discuss retirement years","confidence_score":0.078557216},{"intent":"Discuss retirement years","confidence_score":0.03444783}]},{"text":"The other thing I do kinda like about using the age of 60 for you is that it essentially gives you a starting point. It means that we're working on the earliest possible age to access safer, and then it gives you an option. You can continue to work if you want to, or you can stop working or maybe sort of do a little bit of both into that transition to retirement sort of side of things from 60 to 65.","start_word":1297,"end_word":1378,"intents":[{"intent":"Discuss retirement transition","confidence_score":0.05987376}]},{"text":"What do you think you'd like me to work as a goal for income in retirement? Yeah.","start_word":1474,"end_word":1490,"intents":[{"intent":"Decide retirement goals","confidence_score":0.02354233}]},{"text":"Do you need a second to go and sort that out? I don't mind holding.","start_word":1897,"end_word":1911,"intents":[{"intent":"Sort things out","confidence_score":0.018604245}]},{"text":"So I do have a couple of questions to run through with as a risk profile just to kinda gauge where you are sitting risk wise and what kind of portfolio I should look at kind of changing and altering in your super for you. Yep.","start_word":2064,"end_word":2109,"intents":[{"intent":"Assess portfolio potential","confidence_score":0.0011058067}]},{"text":"I'd I'd like to learn a bit more about it and, like, the patterns that go up and down and stuff in. So Okay.","start_word":2434,"end_word":2457,"intents":[{"intent":"Explore market trends","confidence_score":0.013613927}]},{"text":"The next one here, it says investments can go up and down, and this is technically what's called volatility. It says, how much of a drop?","start_word":2934,"end_word":2959,"intents":[{"intent":"Evaluate super volatility","confidence_score":0.058614355}]},{"text":"Are you comfortable with that, or is there anything? Yeah. Yeah.","start_word":3272,"end_word":3282,"intents":[{"intent":"Assess super's comfort","confidence_score":0.0015619555}]},{"text":"Do you want to buy more property or invest in properties in the future, or you're not really open to it?","start_word":3848,"end_word":3868,"intents":[{"intent":"Evaluate investing preferences","confidence_score":0.0022955192}]},{"text":"investor has a strong preference for growth. They can tolerate those market ups and downs, and they're not accessing their suit in the next six years. Does that feel like something you're comfortable with?","start_word":4166,"end_word":4199,"intents":[{"intent":"Analyze portfolio preferences","confidence_score":0.01162423}]},{"text":"Now at the moment, paid out of your suit, you've got your life and CBD benefits. Do you understand how these insurances work, what they pay for? Yeah.","start_word":4435,"end_word":4462,"intents":[{"intent":"Discuss benefits","confidence_score":0.00071857194}]},{"text":"Probably just go to the kids. Three ways. Equal.","start_word":4591,"end_word":4599,"intents":[{"intent":"Mention family size","confidence_score":9.20402e-8}]},{"text":"Now one of the things I do like to sort of talk to you about is the distribution of those sort of funds. So with your circumstances, there are different ways to distribute the funds. Because all of your children are technically still minors, if you were to and they are nominated on your super at the moment as beneficiaries. Yep.","start_word":4610,"end_word":4670,"intents":[{"intent":"Share funds and plan","confidence_score":0.0003166432}]},{"text":"So I'll make sure that with the estate planning side of things here that we will have LPR set up, and I'll recommend legal personal representative on your life insurance and also your. That way, it can go to your state and be directed as per your wishes. Okay. Yep.","start_word":5037,"end_word":5086,"intents":[{"intent":"Define goals","confidence_score":0.000030725794}]},{"text":"Essentially, if you were to ever claim on TDD, we would help provide advice on getting the claim done, but then also what to do with the proceeds.","start_word":5369,"end_word":5396,"intents":[{"intent":"Provide advice","confidence_score":0.21684107},{"intent":"Provide information","confidence_score":0.014738553}]},{"text":"But do you feel like the level of cover you have with CBD is fairly suitable, you're happy with that level, or did you wanna go back and review that level of cover?","start_word":5435,"end_word":5467,"intents":[{"intent":"Understand level of coverage","confidence_score":0.0020554592}]},{"text":"No.","start_word":5468,"end_word":5468,"intents":[{"intent":"Evaluate eligibility","confidence_score":0.00093632296}]},{"text":"Now the other thing is your income protection benefit. So you're you have a monthly benefit in that of $5,878 currently.","start_word":5485,"end_word":5505,"intents":[{"intent":"Explain income protection benefit","confidence_score":0.002763686}]},{"text":"Now the other thing is your income protection benefit. So you're you have a monthly benefit in that of $5,878 currently. Looking at your income of 130,000, you are slightly underinsured there. But it also comes down to whether that would sort of be sufficient for, you know, covering income.","start_word":5485,"end_word":5534,"intents":[{"intent":"Clarify income coverage","confidence_score":0.032430053}]},{"text":"So you're you have a monthly benefit in that of $5,878 currently. Looking at your income of 130,000, you are slightly underinsured there. But it also comes down to whether that would sort of be sufficient for, you know, covering income. So on a monthly basis, if you were getting just over $5,000 on a monthly basis from an income protection claim, would that cover your expenditure? Would you feel comfortable with that?","start_word":5494,"end_word":5566,"intents":[{"intent":"Consider monthly income","confidence_score":0.0017758014}]},{"text":"Now there are other types of personal insurance that you can also have. You can have trauma.","start_word":5780,"end_word":5796,"intents":[{"intent":"Discuss insurance options","confidence_score":0.09930614}]},{"text":"Maggie's got a value here of 540,000 and a rough loan owing of 280,000. Is that still fairly accurate? Yeah.","start_word":6062,"end_word":6081,"intents":[{"intent":"Check value","confidence_score":0.030472439},{"intent":"Confirm value","confidence_score":0.30355024}]},{"text":"Is there any other assets or debts or anything you would wanna note Yep. down as well? No. Not really.","start_word":6158,"end_word":6177,"intents":[{"intent":"Note items","confidence_score":0.02357098},{"intent":"Check debts","confidence_score":0.003045178},{"intent":"Address concerns","confidence_score":0.0014751465}]},{"text":"We'll put it down as a goal to sort of reassess that down the track with you to sort of see how that goes, whether you kinda transition back or whether you're happy to stay where you are and you close it down just so we can kinda help with that down the track. Beautiful. Yep.","start_word":6394,"end_word":6449,"intents":[{"intent":"Reassess goal","confidence_score":0.092942834}]},{"text":"Just sort of clarify, income we're looking at income protection to increase that benefit of that to cover you up to 70% of your income.","start_word":6471,"end_word":6495,"intents":[{"intent":"Clarify income protection","confidence_score":0.054525603}]},{"text":"Did you have any questions around the benefit or waiting period? Yeah.","start_word":6520,"end_word":6531,"intents":[{"intent":"Identify concerns","confidence_score":0.0006816203}]},{"text":"We're looking at being a growth investor, and I'll go back and reassess the super fund as well as the investments within that to keep you in that risk profile, but to see if anything needs to be switched out or changed or updated since you were onboarded originally. Does that sound correct?","start_word":6581,"end_word":6633,"intents":[{"intent":"Look at growth investor","confidence_score":0.0039237477},{"intent":"Reassess super fund and investments","confidence_score":0.0127985915}]},{"text":"We'll hold off on any additional contributions and other advice at the moment. Just a way for you to go through that settlement side of things. Is there any other goals?","start_word":6649,"end_word":6679,"intents":[{"intent":"Hold off on contributions","confidence_score":0.44526398}]},{"text":"I know you're down the track. You sort of mentioned, like, to buy property as well. You know, once everything kinda goes through and deciding what to do with the business as well. Is there any other goals down the track that you might have as well? Not really.","start_word":6680,"end_word":6728,"intents":[{"intent":"Discuss other goals","confidence_score":0.060507145}]},{"text":"Where would you like to travel to? Anywhere and everywhere.","start_word":6749,"end_word":6758,"intents":[{"intent":"Explore travel to","confidence_score":0.000028094059}]},{"text":"Once your balance goes over that 200,000, then you drop into the next tier and your ongoing service fee drops to 1.375. And then when your balance is 500,000, it drops into the tier below that, which is 1.10. So the idea of the newer fee structure is that each time your balance increases beyond that tier, you drop into the lower tier, and it ends up being a lower lower percentage for the rest for the next tier down.","start_word":7130,"end_word":7209,"intents":[{"intent":"Clarify fee structure","confidence_score":0.054451186}]},{"text":"I will give you the advice, show you what I'm recommending we do, how this works for you, the projected outcome based on, you know, the next couple of years to sort of show you the what we're projecting to to look like, essentially. And then you get to take it away, read it. Let me know if you happen to have any questions in this side, whether you're happy to take the advice. Does that sound okay?","start_word":7639,"end_word":7716,"intents":[{"intent":"Book advice","confidence_score":0.17610826}]}]},"sentiments":{"segments":[{"text":"Hello? Speaking. Hi, Jared. It's Dana from Mercy Financial. How are you today? Yeah.","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.17627806961536407},{"text":"Good.","start_word":14,"end_word":14,"sentiment":"positive","sentiment_score":0.4448592960834503},{"text":"Yourself?","start_word":15,"end_word":15,"sentiment":"neutral","sentiment_score":0.3091782331466675},{"text":"I'm very well. Thank you.","start_word":16,"end_word":20,"sentiment":"positive","sentiment_score":0.6631678342819214},{"text":"I just had people feel for a bit of a catch up today. You're looking to come back on board as a client, fix some plans for advice. Is that right? Yes. Correct. Yes.","start_word":21,"end_word":54,"sentiment":"neutral","sentiment_score":0.2437901347875595},{"text":"Fantastic. Is now still a good time for our catch up to run through things?","start_word":55,"end_word":69,"sentiment":"positive","sentiment_score":0.44781333208084106},{"text":"Yeah. Yep.","start_word":70,"end_word":71,"sentiment":"neutral","sentiment_score":0.2194906771183014},{"text":"So fantastic.","start_word":72,"end_word":73,"sentiment":"positive","sentiment_score":0.5399399995803833},{"text":"Before I jump into the call, Jared, I just have to let you know we do record our calls for quality and training purposes. Are you happy with for ask for the with that? Yep.","start_word":74,"end_word":108,"sentiment":"neutral","sentiment_score":0.1377941519021988},{"text":"Fantastic.","start_word":109,"end_word":109,"sentiment":"positive","sentiment_score":0.4065990149974823},{"text":"And I just wanna make sure because we are going through your personal information that I do security as well. I just need to confirm your full name, your address, date of birth I should have on file. Yeah. It's Jared Angelo Borschman. Address Yep. is 5 Wellington Street, Wangaratta, Victoria 36 Yep. 77, and date of birth Beautiful. is 04/05/1988. Legend.","start_word":110,"end_word":171,"sentiment":"neutral","sentiment_score":0.09258662164211272},{"text":"Thank you so much for that.","start_word":172,"end_word":177,"sentiment":"positive","sentiment_score":0.5736720561981201},{"text":"How's your week been so far? Yeah. Busy. Busy. Yes.","start_word":178,"end_word":187,"sentiment":"neutral","sentiment_score":0.25623321533203125},{"text":"That's that's good news.","start_word":188,"end_word":191,"sentiment":"positive","sentiment_score":0.4505030810832978},{"text":"Is it weekend off? Yeah. Yeah. Which will be good. Yeah. Some down time to rest.","start_word":192,"end_word":207,"sentiment":"neutral","sentiment_score":0.21120627224445343},{"text":"I like it.","start_word":208,"end_word":210,"sentiment":"positive","sentiment_score":0.40775489807128906},{"text":"Yeah. No. All good. Well, I know you've been speaking with my colleague, Maddie, there. Kinda gone through and done all the research there for you. So I'm not sure if we've spoken before, but my name is Dana, and I'm one of the financial advisers here at OC Financial. So I'll be the one putting the advice together and doing the research there for you. Yep. With my part of the call today, just gonna run through a bit more about your goals, have a bit of a look at what you've got currently.","start_word":211,"end_word":305,"sentiment":"neutral","sentiment_score":0.14270073175430298},{"text":"She's given me a lot of research to go with, which is fantastic.","start_word":306,"end_word":318,"sentiment":"positive","sentiment_score":0.5309193730354309},{"text":"I will have a chat about sort of re onboarding what that looks like, what you're after with regard to financial advice, and then I'll go back and do some research and put the plan together to see how we can help you moving forward. How does that sound? Yeah.","start_word":319,"end_word":368,"sentiment":"neutral","sentiment_score":0.14335551857948303},{"text":"Sounds good. Fantastic.","start_word":369,"end_word":371,"sentiment":"positive","sentiment_score":0.6727181673049927},{"text":"So, firstly, just wanted to touch base. Now one of the things I do have here at the moment, and and I do apologize, I can see here that you are separated, and I believe going through a divorce is not quite finalized. Is that right? Yes. Correct. Okay. Perfect. So just having a look at that. Now where are you sort of up in that price we're up to in that process of going through the divorce and the finalization separation of assets? Where are you guys up to with that at the moment? So we had mediation and they didn't really agree to anything. So my solicitor is in the process Okay. of putting together a final proposal to them. Okay. And then if that's not accepted, then they're gonna take it to court. So it'll Okay. yeah. So it'll go through. So it is in the it is in the final stages, but Yep. it's just the time consuming thing trying to get them to a degree to to a greater something. Yeah. Yeah. Absolutely. So No. I completely understand. It was a lot that you're dealing with at the moment. I'm so sorry you're going through that. that's alright. When it comes to the house, is this something do you know sort of what what the plan is moving forward or what may happen to the house once you kinda go through the separation of assets? Yeah. So she's hoping to retain the house and obviously buy me out of it. So Mhmm. and they're looking at like a I believe they said a $60.40 share at the moment, but I think my solicitor Okay. is gonna try and go Yep. for more. So No. That's okay. And is there yeah. any likelihood that maybe your system might end up being split as well, or is Yeah. that sort So of it will it will be split. So I believe hers is roughly a 140 something thousand. So it's it'll be, like, a $10,000 in her direction or something like that. So it Yep. won't be a Okay. massive amount. But yeah. Yep. No. That's okay.","start_word":372,"end_word":731,"sentiment":"neutral","sentiment_score":-0.04524668734520674},{"text":"Not a problem at all.","start_word":732,"end_word":736,"sentiment":"positive","sentiment_score":0.4212298691272736},{"text":"Just so when I'm looking at the advice and doing the research, I kind of understand where things are going and what what, you know, could change in the future just so we can kind of factor that in for you as well and note that that could be a a bit of a change in your circumstances.","start_word":737,"end_word":794,"sentiment":"neutral","sentiment_score":0.2117939740419388},{"text":"Perfect. Yep. Thank you for giving that information.","start_word":795,"end_word":802,"sentiment":"positive","sentiment_score":0.5750002861022949},{"text":"I know you're going through a lot. And, again, I'm so sorry you're going through this. Hopefully, it's all finalized for you fairly soon. Yeah. Hopefully, sooner the better. Yeah. Absolutely. Look. I am divorced, so I understand exactly what you're going through. It's gonna be a really rough time, and there's a lot of back and forth and very costly as well. So, yeah, Yep. I understand. Yep. All good. Well, let's have a little bit of a chat about your goals there. So with your statement, somebody was able to get a statement for me. I'm having a bit of look at the assets in there at the moment. I can definitely see some changes that could be good to update your portfolio. It is definitely one of the older portfolios that we would have had a few years back around about 2324. Yep. So I can definitely see some changes that would be good to make and kind of build in your portfolio, especially as you're expecting that $10,000 to be, you know, removed out of the super fund there as well. Yep. So a way that we can kind of make that money back nice and quick once that split has gone through for you, or ways that we can look to build that $10,000 up prior to leaving your super fund so it kinda leaves you with as little an impact as possible, essentially. Yep.","start_word":803,"end_word":1042,"sentiment":"neutral","sentiment_score":0.1376545876264572},{"text":"Excellent.","start_word":1043,"end_word":1043,"sentiment":"positive","sentiment_score":0.4503822028636933},{"text":"When you're looking at your super No. now having a look at things from over, you're really young. You're about 38. Do you know what age you are hoping to be able to maybe retire at this Not super? really. Sorry. I haven't given it much I haven't given it much thought, to be honest. I don't wanna be I don't wanna No. be working till I'm 80. That's for sure. No. That's okay. So to give you a little bit of context there, when you think about the age to retire, at the moment, the legislators, the earliest we can access is age 60. We are fully retired. The other option is if you work past 60 at age 65, regardless of whether you're working or not, they do allow you full access to your super tax rate or 67. Now that that you and I have as much of a chance at it, at the moment, 67 is the age to access the age pension through Centrelink. So do you think you wanna work a bit longer past 60, or you're sort of hoping that that might be the time you'll be able to enjoy the rest of it? Is that your retirement years and travel? Yeah. Probably rather yeah. That'll be that'll be good to go. Yeah. Yeah. Yeah. Beautiful. Like, if That if it pans is out that way, I don't know. I'll see how it goes.","start_word":1044,"end_word":1284,"sentiment":"neutral","sentiment_score":0.04651071363093942},{"text":"that's okay. It'll give me something to work towards, which is great.","start_word":1285,"end_word":1296,"sentiment":"positive","sentiment_score":0.5210551023483276},{"text":"The other thing I do kinda like about using the age of 60 for you is that it essentially gives you a starting point. It means that we're working on the earliest possible age to access safer, and then it gives you an option. You can continue to work if you want to, or you can stop working or maybe sort of do a little bit of both into that transition to retirement sort of side of things from 60 to 65. Yep. So it does give you options by working that way, and it means that we're working on an earlier goal. So we wanna make things work a bit harder for you earlier on. Does that make sense? Yeah. Yeah.","start_word":1297,"end_word":1418,"sentiment":"neutral","sentiment_score":0.11328884959220886},{"text":"Definitely. Yep. Beautiful.","start_word":1419,"end_word":1421,"sentiment":"positive","sentiment_score":0.5117827653884888},{"text":"Now you probably haven't thought much about what kind of income you might be looking at. But, realistically, do you think there's a set maybe income in today's dollars you'd be comfortable living on in retirement, or did you want me just to kind of work on replacing your current income amount? What do you think you'd like me to work as a goal for income in retirement? Yeah. I don't know. It's hard to tell because you don't know if the economy is gonna be a lot of that up then. That's it. That's So it. yeah. Yeah. Look. Probably I don't know. I reckon maybe $161,700 bucks a week. I reckon it'd be plenty, Yep. especially if Beautiful. I'm traveling Let's work on and the doing higher things. amount there. Yeah.","start_word":1422,"end_word":1554,"sentiment":"neutral","sentiment_score":0.002826884156093002},{"text":"Absolutely. Fantastic. Look.","start_word":1555,"end_word":1557,"sentiment":"positive","sentiment_score":0.4858328700065613},{"text":"I'm gonna ask you every question you probably never thought of answering, and that's okay if you've never thought of it before. We can always talk it through. Having a look at sort of your season and what you're after there, one of the things we do kind of wanna look at is, like, contributions and how come to you as contributions. Now income wise, I can see here that you are a draft from my trade, and you're working as a pay y d employee at the moment. But you've also got your own business at the moment. Is that right? Yes. Yep. Beautiful. Are you making any additional contributions to super over and above the employer contributions currently? No. Not currently. No. That's okay. How does I know you've you've got a lot of expenses at the moment with everything you're sort of dealing with, but is additional contributions something that you're comfortable looking at, or would you rather put that on the back burner than now knowing everything you're sort of working Probably on? put it on the back burner for now just until all this sort of stuff's Good. finalized. Because if I start doing Yep. because the more I put into my super now is the more that it's gonna get separated. So it's because what they're gonna Yes. do is they're gonna put it all in a pool and then divvy it $50.50. So we both have the same Okay. amount of super. So it's Right. yeah. Just hold on two seconds. I just got my daughter wanting Yes. You're something. fine. Which one, please? I wanna try something in my box, but he just un downloaded it and lost my thing. And now he said, I can't now I can't join it. Oh, how about you play it on your own for a minute? Daddy's on the phone, and I'll come and sort it out in a minute. Okay? Don't get upset. You'll be fine. Alright. I'm back. No. You're fine, Darryl. Do you need a second to go and sort that out? I don't mind holding. It's not an issue. No. That's no. That's alright. No. All good. You're They're okay? all fine. Yeah. I'll sort it out.","start_word":1558,"end_word":1933,"sentiment":"neutral","sentiment_score":-0.00009366418135927078},{"text":"X oh, she sounds adorable.","start_word":1934,"end_word":1938,"sentiment":"positive","sentiment_score":0.5613089799880981},{"text":"How old are your kids? She's six. My middle boy is eight turning nine, and Wow. my oldest son's 14, 10, 15. Wow. The teenagers and the the preteen Yep. stage. Yep. So attitude everywhere. Well, 14. That's high school. That's crazy. They grow up so fast that day. Yeah. I know. I know. No. All good.","start_word":1939,"end_word":1995,"sentiment":"neutral","sentiment_score":0.1278156340122223},{"text":"Perfect. Well, I've got a really good idea of what you're sort of looking for with the way of super.","start_word":1996,"end_word":2015,"sentiment":"positive","sentiment_score":0.4730335474014282},{"text":"I'll put additional contributions on the back burner, and we can maybe look at that down the track when things settle down a bit for you. Yep. With the the other thing I do as well that we use, baby, is just how your risk profile fits. So I do have a couple of questions to run through with as a risk profile just to kinda gauge where you are sitting risk wise and what kind of portfolio I should look at kind of changing and altering in your super for you. Yep. These are about 14 multiple choice questions, but I run through them fairly quickly, and we can skip a few here and there as well. Okay? Yeah. Right there.","start_word":2016,"end_word":2137,"sentiment":"neutral","sentiment_score":0.1328030345869846},{"text":"Excellent.","start_word":2138,"end_word":2138,"sentiment":"positive","sentiment_score":0.635871410369873},{"text":"The first one here, it says, how would you rate your willingness to take on financial risk? Do you consider yourself a very high risk taker, just a high risk taker, an average or medium risk taker, or a very low risk taker? Where would you Probably see high. yourself comfortably sitting?","start_word":2139,"end_word":2190,"sentiment":"neutral","sentiment_score":0.047642577439546585},{"text":"Hi, beautiful.","start_word":2191,"end_word":2192,"sentiment":"positive","sentiment_score":0.35649776458740234},{"text":"Yeah. Did you say hi, beautiful. The next one here is how familiar are you with investment markets? Have you ever invested before? No. I haven't. No. That's okay. And would you say because you've never had investment in your own personal name that you are fairly comfortable with not having some investment knowledge? You're aware that markets do fluctuate and go up and down. You might have a good grasp that you're still learning or a bay basic understanding of investment market, where would you see yourself sitting in that category? I've got no idea about them at the moment. I would like to learn, No. That's though. okay. Yes. Well, I Yeah. will more than happily teach you. No need to worry. We're still having a look at your super and, you know, having dealt with us over the last couple of years. Where would you sort of say do you what would you say you have been able to understand or learn with you know, been able to talk to having advisers? And what sort of stuff do you think you may sorry. I'm trying to put the right words. I'm gonna get easier on you. Essentially, where would you would you say that you're comfortable with the you understand markets go up and down, or would you say it's something you want to learn? I understand they go up and up and down, but I'd Yep. I'd I'd like to learn a bit more about it and, like, the patterns that go up and down and stuff in. So Okay. Yeah.","start_word":2193,"end_word":2457,"sentiment":"neutral","sentiment_score":0.030053751367443017},{"text":"Perfect. Yes. Perfect.","start_word":2458,"end_word":2460,"sentiment":"positive","sentiment_score":0.4827497601509094},{"text":"I probably thought you were more of a number three there. Yep. It does Okay. sort of say have a good market graph that you are still learning. But because you are kind of in that learning phase and wanting to learn more about markets, we are aware they go up and down. You're probably looking at super and seeing it goes to those market fluctuations. I'd probably see you in that sort of middle category. Does that feel comfortable for you? Yeah. Yep. Yes.","start_word":2461,"end_word":2545,"sentiment":"neutral","sentiment_score":0.1263716220855713},{"text":"Beautiful.","start_word":2546,"end_word":2546,"sentiment":"positive","sentiment_score":0.5526583194732666},{"text":"The next one here is, so how would you describe your experience and understanding of investment market? So, again, you've got here a whole bunch of different options there. With what we've sort of talked about at the moment, I'd probably put you down as an investment novice. You're naturally curious, but also a bit cautious. Would that be fairly comfortable, or would you see yourself more learning the risk versus the water balance and happy to take on a bit more risk? Yeah. Probably a bit cautious and yeah. And just Yes. yeah. But willing Yep. to yeah. Curious and cautious at the Yep. same time. So Yep. Yes.","start_word":2547,"end_word":2656,"sentiment":"neutral","sentiment_score":0.026469169184565544},{"text":"Beautiful.","start_word":2657,"end_word":2657,"sentiment":"positive","sentiment_score":0.4741946458816528},{"text":"It's just that middle category that's sort of where it felt like we were going with the other other question there. So it kind of is that middle range is right sort of where you're starting from, which is absolutely Yep.","start_word":2658,"end_word":2698,"sentiment":"neutral","sentiment_score":0.23677830398082733},{"text":"fine. Beautiful.","start_word":2699,"end_word":2700,"sentiment":"positive","sentiment_score":0.4570481479167938},{"text":"The next one here I can answer for you is asking what is the most aggressive investment you've ever owned. So you do have managed funds and and ETFs in your super currently, so I'll tick that box up for you. The next one's asking about your time horizon for how long you have until you wanna access those funds because you're only 38 this year. You've got a lot of time ahead of you. I'll tick off that more than ten year box to make it easier. Yep. No worries. The next one here is about inflation. So it basically says inflation means that things are getting more expensive over time. This essentially makes your money worth less. When you think about your super and the level of risk that you're undertaking, are you comfortable taking on a higher level of risk to try and get the greater potential returns knowing there is also a downside at times? Are you happy in that more moderate or medium amount of risk to take to get the best returns possible, or are you not comfortable taking on risk and other returns are lower because of that? Where do you see yourself busy? And you can go in between if you want. Yeah. Probably whatever gets me the most return, really. So, yeah, probably Yep. probably between mid to high risk there. Yep. Yep.","start_word":2701,"end_word":2932,"sentiment":"neutral","sentiment_score":0.003412804662667472},{"text":"Beautiful.","start_word":2933,"end_word":2933,"sentiment":"positive","sentiment_score":0.4380077719688415},{"text":"The next one here, it says investments can go up and down, and this is technically what's called volatility. It says, how much of a drop? So thinking about your current balance, which is about a 161,000 161,683 currently, if you saw that for, say, more than 50%, up to 50%, up to 25%, or up to 10%, How which one of those would start to make you feel more concerned or nervous about what was happening with your super?","start_word":2934,"end_word":3013,"sentiment":"neutral","sentiment_score":-0.1428559571504593},{"text":"Probably if it if it dropped probably around the 10 to 20%, I reckon I'd start be worrying about it.","start_word":3014,"end_word":3033,"sentiment":"negative","sentiment_score":-0.3736895024776459},{"text":"Yeah. Yeah. Yep. Absolutely. The next one here is saying if you if in the next, say, six to twelve months so this is a really good example because we have seen those ups and downs, a bit of volatility with everything that's kinda been going on. But if you did sort of see your super four by 20% over the next one to two years, how do you think you might be feeling? Are you thinking it's more of an investment opportunity, might put some more money in and take advantage of the downtime? Are you a bit concerned maybe calling us to see what's sort of going on with it? Or are you feeling like you wanna sell the investments and move the money into, say, cash? I'd probably probably call you guys and see if there's any other options. Just try and try and boost Medigate? it rather yeah. Yep. Yeah.","start_word":3034,"end_word":3187,"sentiment":"neutral","sentiment_score":-0.07798589766025543},{"text":"Absolutely.","start_word":3188,"end_word":3188,"sentiment":"positive","sentiment_score":0.6744554042816162},{"text":"The next one here is what kind of reasonable rate of return are you hoping to get from your super over the longer term?","start_word":3189,"end_word":3212,"sentiment":"neutral","sentiment_score":0.32731565833091736},{"text":"I'm just gonna pick the first box because we were we wanna get the best out of our super.","start_word":3213,"end_word":3231,"sentiment":"positive","sentiment_score":0.3656788766384125},{"text":"You've you're only 38 busy. You've got a lot of time ahead of you there, so trying to get the best out of your super and making it work as hard as possible would be the probably the best answer. Are you comfortable with that, or is there anything? Yeah. Yeah. That yeah. Be Yep.","start_word":3232,"end_word":3286,"sentiment":"neutral","sentiment_score":0.1210423856973648},{"text":"comfortable with that. Excellent.","start_word":3287,"end_word":3290,"sentiment":"positive","sentiment_score":0.5396369695663452},{"text":"The next one here, it says, have you ever seen this super fall in value? If you have in the past, how did this make you feel? Were you feeling optimistic about the investment opportunities ahead? A bit cautious, not wanting to put any more money into it? A bit concerned or feeling very anxious? I haven't actually seen it drop. So, yeah, I haven't seen it drop. Not that I've noticed anyway. It could've dropped, and I hadn't seen it Yeah. yet. But, yeah, Yep. I I haven't seen it actually decrease since since No. I've yeah. Since I've had two Perfect. That's okay. I'll per just se. Yeah. I might just tick the box saying a bit cautious because to me, it doesn't sound like you'd be going, hey. Yeah. Cool. It's dropped a little bit. You'd be like, oh, it has dropped. What do we do? Why is it dropped? Is there anything we can kind of do to mitigate that? Does that sound fairly comfortable? Does that sound right? Yeah. Yeah. That Yes.","start_word":3291,"end_word":3467,"sentiment":"neutral","sentiment_score":-0.06718989461660385},{"text":"sounds good. Yep. Beautiful.","start_word":3468,"end_word":3471,"sentiment":"positive","sentiment_score":0.4864851236343384},{"text":"The next one here is, so how much risk are you willing to take to try and get them return you're after? This sort of relates back to the first couple of questions when we're looking at risk. Are you happy to take on more risk to get the best returns possible? Are you happy with just the higher level of risk to get the best returns you can, a moderate or medium amount of risk to get the best returns you can, or minimal risk knowing the returns are lower? Where do you think you'd feel on that scale? Probably Harrick. Yep.","start_word":3472,"end_word":3574,"sentiment":"neutral","sentiment_score":0.042354127024984194},{"text":"Beautiful.","start_word":3575,"end_word":3575,"sentiment":"positive","sentiment_score":0.6198591589927673},{"text":"And the third last one here, it says, what kind of income or what kind of returns are you hoping to get out of your super? So when we think about the different types of returns, we're looking at capital growth, which is a change in the investment prices. Let's say if you own CBA today, it was worth $50. Tomorrow, it's worth a $100. That's $50 of capital growth. The other thing we wanna try and obtain is income. So dividends that are paid out of the investment, paid to your cash account, and it's reinvested back into your portfolio, and that is just with compounding. Do you think when you're thinking about your super, you're looking to get more capital growth, less income, more income, less capital growth, or maybe a balance of the two? Probably a balance of the two, I think. Yep.","start_word":3576,"end_word":3721,"sentiment":"neutral","sentiment_score":0.06821376830339432},{"text":"Beautiful.","start_word":3722,"end_word":3722,"sentiment":"positive","sentiment_score":0.4790861606597901},{"text":"And the second one the second last one here is just have you ever thought about borrowing from a financial institution in order to invest, whether it be stocks and ETFs or buying and investment property? No. Nope. That's okay. And the last one here is how do you think about borrowing to invest would make you feel? Are you comfortable if you got the right advice to do so knowing there are risks involved? You'd be very cautious about doing it because there are risks involved, very hesitant, or you would never do it. I'll be pretty comfy. If I had the right advice, I'd be pretty comfortable with it, but, Yep. yeah, probably more so real estate than anything. Yeah. No. That's okay. Do you want to buy more property or invest in properties in the future, or you're not really open to it? Yeah. I I do want to. I just as as I was just Mhmm. waiting for all this sort of stuff to settle before I can do that because anything I get Fell at the down. moment, we'll go straight into the pool. So I was gonna Yeah. just Absolutely. bode my time. Yeah. Absolutely. No. Completely understandable.","start_word":3723,"end_word":3926,"sentiment":"neutral","sentiment_score":-0.027334522528975617},{"text":"Beautiful. Thank you so much for running through that.","start_word":3927,"end_word":3935,"sentiment":"positive","sentiment_score":0.5792530179023743},{"text":"It's now where you have sort of scored as more of a growth investor. So the way our risk profile fit, you have aggressive, high growth, growth balance, growth and balance. So you're sort of sitting in that middle range there. Yep. A a growth investor normally sees about 80% of their super investing growth assets. So these are things like Australian shares, international shares, listed property, and also commodities for precious metals like gold and silver. And then the other 20% in defensive lower risk investments like cash, bonds, and fixed interest. Generally speaking, a growth portfolio is looking to try and achieve about a seven to 9% on a yearly basis, compounding that over time. And, realistically, with the expected volatility in the market, you could see a on a good year, 11% higher than that nine or in the negative years or a lower year, 11% under the seven as well. So that's sort of giving you an idea of where that expected volatility can sort of fit. Yep. The growth portfolio generally suits somebody who's got about six years before accessing net funds. You've got more than double that ahead of you before accessing super. And, realistically, because we understand the likelihood of a negative return and we understand volatility, you can expect negative return around about one in every five years. So a growth Yep. investor has a strong preference for growth. They can tolerate those market ups and downs, and they're not accessing their suit in the next six years. Does that feel like something you're comfortable with? And do you have any additional questions? You're welcome to let me know if you do.","start_word":3936,"end_word":4215,"sentiment":"neutral","sentiment_score":0.03782496973872185},{"text":"I'm pretty comfortable with that.","start_word":4216,"end_word":4220,"sentiment":"positive","sentiment_score":0.3616712093353271},{"text":"Yep.","start_word":4221,"end_word":4221,"sentiment":"neutral","sentiment_score":0.2843317985534668},{"text":"Beautiful.","start_word":4222,"end_word":4222,"sentiment":"positive","sentiment_score":0.5425386428833008},{"text":"Realistically, for your age and stage, we would generally see you kind of in that growth or high growth environment. There's about a 10% split between the two, but this is a fairly good middle ground. And, realistically, we kind of hold you in this area for maybe the first year or so, and then if you wanna take on more risk, if comfortable to do that, then we could always bump you up to the next one later on. We can always reduce this this later on if you need to as well. So you don't have to stay here. If you don't want to, we can always move you up and down to the risk profile and alter the portfolio as much as you're comfortable with moving forward. Okay. Yep. Okay.","start_word":4223,"end_word":4355,"sentiment":"neutral","sentiment_score":0.15744802691882714},{"text":"Beautiful. Excellent.","start_word":4356,"end_word":4357,"sentiment":"positive","sentiment_score":0.6954773664474487},{"text":"Do you have any questions so far about any of those details or anything we've gone through thus far? No. No. That's okay. The next No. thing No. that's That's always not out me. of that is you no. That's okay. You're fine. The next thing is the insurances. So at the moment, you've got your account insurance policy. I've got the Pacifica currency in front of you, so I can see what you do definitely have. Now at the moment, paid out of your suit, you've got your life and CBD benefits. Do you understand how these insurances work, what they pay for? Yeah. Yep. Beautiful. So if in the event of, say, you're passing away, at the moment, you've got your life benefit of 600 Yep. and 16,298, and then if you were to also pass away, your super benefit can also be paid out to your beneficiaries as well. So they're looking at roughly a $160,000. So it's giving Yep.","start_word":4358,"end_word":4520,"sentiment":"neutral","sentiment_score":0.08256863057613373},{"text":"you just over as a total benefit, I think over $776,000 there, which is great.","start_word":4521,"end_word":4535,"sentiment":"positive","sentiment_score":0.3420158624649048},{"text":"Yep. With the fact that the house could be sold and, you know, you split the proceeds essentially or, you know, your ex partner could get it, meaning you get a little bit extra money there. How would you want that money to be split in the event that you would have passed away? Yeah. Probably just go to the kids. Three ways. Equal. To the kids? Right. Yeah. Yeah.","start_word":4536,"end_word":4605,"sentiment":"neutral","sentiment_score":0.10818134248256683},{"text":"That's okay. Yep. Beautiful.","start_word":4606,"end_word":4609,"sentiment":"positive","sentiment_score":0.5091313719749451},{"text":"Now one of the things I do like to sort of talk to you about is the distribution of those sort of funds. So with your circumstances, there are different ways to distribute the funds. Because all of your children are technically still minors, if you were to and they are nominated on your super at the moment as beneficiaries. Yep. I do have all three. Yes. So I have all three, so Cooper, Hunter, and Mackenzie, all noted here as the beneficiary. To give Yep. you a bit of context, now if you were to pass away, this money isn't directly paid to the children. It's essentially directed to their guardian, and then it is up to the guardian to distribute those funds amongst the children. It Yep. doesn't always happen that way. It's just that they can't because they're minors. They can't have the money paid to them, and they can't make the claim themselves. So it's all done through their guardian. That, honestly, would be their mom, who is your ex your ex wife. Yep. Are you comfortable still having it paid that way? The other way is you can have it paid to your legal personal representative. That means that on your speaker, we take LPR, and your life insurance, we take LPR. In the event of your passing, it is claimed by your executor of your will, and it goes to your estate. And in your will, you can have set up a trust. You can have set up a whole bunch of different ways to direct money to each of your kids. It can be directed through other family members, through trust. You can have bonds and things set up. There's lots of different ways that you can do it there.","start_word":4610,"end_word":4906,"sentiment":"neutral","sentiment_score":0.054297804832458496},{"text":"Having a will can make that direction of funds to your kids a lot easier, a lot more streamlined, making sure they receive the funds.","start_word":4907,"end_word":4931,"sentiment":"positive","sentiment_score":0.4244675636291504},{"text":"But it also Yes. comes down to your situation, how you feel, what you want to happen, and how that would work for you and your family. Yes. How would you like that to sort of be So set up? I've What's I've comfortable? actually just done my wheel and all that sort of stuff through this list of that. So that I reckon that all of it Yep. will just go if that is the case, it just goes to my state. So it will go to the executor Yep. of the will, and they'll distribute Okay. the funds Perfect. accordingly. Yeah. Yep.","start_word":4932,"end_word":5035,"sentiment":"neutral","sentiment_score":0.0841757754007211},{"text":"Beautiful.","start_word":5036,"end_word":5036,"sentiment":"positive","sentiment_score":0.5113541483879089},{"text":"So I'll make sure that with the estate planning side of things here that we will have LPR set up, and I'll recommend legal personal representative on your life insurance and also your. That way, it can go to your state and be directed as per your wishes. Okay. Yep. No worries.","start_word":5037,"end_word":5088,"sentiment":"neutral","sentiment_score":0.17596884071826935},{"text":"Beautiful and so easy.","start_word":5089,"end_word":5092,"sentiment":"positive","sentiment_score":0.5384239554405212},{"text":"And so you do have a will now. Did you do power of attorney as well as part of that? Yes. I have done that. Yep.","start_word":5093,"end_word":5118,"sentiment":"neutral","sentiment_score":0.0896858349442482},{"text":"Beautiful. Beautiful. There we go. Fantastic. I'll just keep those boxes there for you. Fantastic.","start_word":5119,"end_word":5133,"sentiment":"positive","sentiment_score":0.44841834902763367},{"text":"So it's a life cover cover.","start_word":5134,"end_word":5139,"sentiment":"neutral","sentiment_score":0.32228055596351624},{"text":"You're fairly happy with the level of cover you do have there.","start_word":5140,"end_word":5151,"sentiment":"positive","sentiment_score":0.360830157995224},{"text":"Now with TBD, it has the same level of benefit. Do you understand how total permanent disability works? Yeah. Vaguely, it's like if you if you're unable to work or something like that, isn't it? You get there. Mhmm. Yeah. Yeah. Yep. Yep. Yep. That's okay. So with Total Term and Disability, you've got the same level of cover, so 616,000. If you are ever unable to get back to work again due to total incapacity or disability, we can also claim against the super benefits. You can have that released. The only thing I just like to make sure I clarify is that when you do claim on CBD or if you do claim on CBD, if you are under the age of 60 and you withdraw the funds out as a lump sum, that becomes taxable money, and the government can tax it up to 22%.","start_word":5152,"end_word":5299,"sentiment":"neutral","sentiment_score":0.003831844544038177},{"text":"Okay. It's horrible. I know it shouldn't be that way in any way at all. It's just terrible. But it's just kind of yeah. This is awful. It's horrible. I don't think anyone should be taxed if they're unable to ever go back to work again due to disability. It does not feel right anyway.","start_word":5300,"end_word":5354,"sentiment":"negative","sentiment_score":-0.5340349598364397},{"text":"But we just like to kinda make sure that you're aware of that. Yep. Essentially, if you were to ever claim on TDD, we would help provide advice on getting the claim done, but then also what to do with the proceeds. So we can find ways, and we do have some fun cool things that we can do to eliminate or reduce the tax as much as possible, keep the money invested, and maybe draw an income stream down. But do you feel like the level of cover you have with CBD is fairly suitable, you're happy with that level, or did you wanna go back and review that level of cover? No. I reckon I reckon as it sits, it's pretty good. Yeah. Yes. That's okay.","start_word":5355,"end_word":5482,"sentiment":"neutral","sentiment_score":0.13255824148654938},{"text":"Perfect. Excellent.","start_word":5483,"end_word":5484,"sentiment":"positive","sentiment_score":0.5201460123062134},{"text":"Now the other thing is your income protection benefit. So you're you have a monthly benefit in that of $5,878 currently. Looking at your income of 130,000, you are slightly underinsured there. But it also comes down to whether that would sort of be sufficient for, you know, covering income. So on a monthly basis, if you were getting just over $5,000 on a monthly basis from an income protection claim, would that cover your expenditure? Would you feel comfortable with that? Did you wanna look at increasing or getting a higher amount of income protection? Yeah. Probably look at increasing it. Increasing it? Yep. Beautiful. So with your current income, I've got a 130,000 here. Is that right? That Yeah. would be what I base it on? Yep. Yes. Beautiful.","start_word":5485,"end_word":5615,"sentiment":"neutral","sentiment_score":0.07807853072881699},{"text":"Excellent.","start_word":5616,"end_word":5616,"sentiment":"positive","sentiment_score":0.36340054869651794},{"text":"And so realistically, so you can cover yourself up to 70% of your income. Would you like me to look at the full 70% of income protection? Yes, please. Yes.","start_word":5617,"end_word":5646,"sentiment":"neutral","sentiment_score":0.14562419056892395},{"text":"Beautiful.","start_word":5647,"end_word":5647,"sentiment":"positive","sentiment_score":0.34913939237594604},{"text":"It essentially means that you're looking at a monthly benefit of about $7,583 on a monthly basis. So Yep. I will have a look at that for you.","start_word":5648,"end_word":5675,"sentiment":"neutral","sentiment_score":0.25367075204849243},{"text":"I can see Maddie's also done a bit of a pre assessment for me, which is great.","start_word":5676,"end_word":5692,"sentiment":"positive","sentiment_score":0.3981007933616638},{"text":"So I'll go back and review that as part of the research, and then the advice will show how we recommend you increase that, what that looks like, and what the kind of contract you can expect would look like as well. Okay? Yep. No worries.","start_word":5693,"end_word":5738,"sentiment":"neutral","sentiment_score":0.09673722088336945},{"text":"Excellent.","start_word":5739,"end_word":5739,"sentiment":"positive","sentiment_score":0.6100651025772095},{"text":"Do you have any questions at the moment? I'm sorry. I do question a lot. No. This is pretty straightforward. Been through Yes.","start_word":5740,"end_word":5762,"sentiment":"neutral","sentiment_score":0.060758836567401886},{"text":"it all Beautiful.","start_word":5763,"end_word":5765,"sentiment":"positive","sentiment_score":0.3953622281551361},{"text":"before, so it's pretty straightforward. You Yeah. have. Yeah.","start_word":5766,"end_word":5774,"sentiment":"neutral","sentiment_score":0.2681654095649719},{"text":"Fantastic.","start_word":5775,"end_word":5775,"sentiment":"positive","sentiment_score":0.5410844087600708},{"text":"No. That's all good. Now there are other types of personal insurance that you can also have. You can have trauma. Trauma, unlike your life, keep it in income protection. It's not paid before by super. It has to be paid out of your back pocket. Did you wanna look at getting any trauma? You can also get child trauma, which pays out a lump sum benefit in the event that your child is diagnosed with a major traumatic condition or pass the way. Did you wanna look at any of those additional covers? Are you happy with the three you've got?","start_word":5776,"end_word":5877,"sentiment":"neutral","sentiment_score":0.038834862411022186},{"text":"Just happy with what I've got at the moment.","start_word":5878,"end_word":5886,"sentiment":"positive","sentiment_score":0.38248953223228455},{"text":"Yeah. Yep. That's okay. Did you have any questions about any of the additional covers like child trauma or trauma or anything there that you may want to understand No. Not really. or no. That's okay. Absolutely fine.","start_word":5887,"end_word":5924,"sentiment":"neutral","sentiment_score":0.03488966450095177},{"text":"Beautiful.","start_word":5925,"end_word":5925,"sentiment":"positive","sentiment_score":0.43633028864860535},{"text":"We can always go down the track if you decide you wanna look at additional things. Feel free to let me know. We'll Yes. sort of start with just the future and the income protection side of things here at the moment. But down the track, you know, once you've kinda gone through the settlement process and everything kind of, you know, settled for you and you get to sort of work out where you are, expenditure wise, You can also build additional investments, like child bonds and things and putting money away to the kids when they're older, and we can also help with advice from those additional areas for you down the track as well. Okay. Yep. Okay.","start_word":5926,"end_word":6045,"sentiment":"neutral","sentiment_score":0.1452588140964508},{"text":"Easy. Perfect.","start_word":6046,"end_word":6047,"sentiment":"positive","sentiment_score":0.4181140959262848},{"text":"Now just confirming, I've got the main primary residence here at the moment. Maggie's got a value here of 540,000 and a rough loan owing of 280,000. Is that still fairly accurate? Yeah. Yep. Yep.","start_word":6048,"end_word":6082,"sentiment":"neutral","sentiment_score":0.0941227695771626},{"text":"Beautiful.","start_word":6083,"end_word":6083,"sentiment":"positive","sentiment_score":0.6439000368118286},{"text":"I've also got the Land Cruiser and a caravan, both owned by your business. Do you still have those? Yeah. Still got them. Yep.","start_word":6084,"end_word":6107,"sentiment":"neutral","sentiment_score":0.16803601384162903},{"text":"Beautiful.","start_word":6108,"end_word":6108,"sentiment":"positive","sentiment_score":0.5425071716308594},{"text":"I've got the Land Cruiser at a 100,000 and the caravan at 80,000. Is that right for value? Yeah. That's about right. Yep.","start_word":6109,"end_word":6131,"sentiment":"neutral","sentiment_score":0.1860608011484146},{"text":"Perfect.","start_word":6132,"end_word":6132,"sentiment":"positive","sentiment_score":0.5158847570419312},{"text":"And then the home the contents within the home as well, valuation sitting here at about 100,000. Does that still sound accurate? Yep. Yep.","start_word":6133,"end_word":6156,"sentiment":"neutral","sentiment_score":0.162692129611969},{"text":"Fantastic.","start_word":6157,"end_word":6157,"sentiment":"positive","sentiment_score":0.4992688000202179},{"text":"Is there any other assets or debts or anything you would wanna note Yep. down as well? No. Not really. No. That's okay. You're absolutely Yeah. fine. I've also got it down here that your expenses are around about that 7 to $800 on a weekly basis at the moment and not really saving any money. Is that right? Is that fairly accurate? Yeah. Roughly. Yeah. Yep. Yes. Yes. So hey. And with the business, are you set up as it looks like you set up as a company there, but there's not a lot of work at the moment. I can sort of see there's a statement that you were paying yourself contributions from the business, but that's sort of not happening at the moment because it does see the work has dropped off a little bit. Is that right? Yeah. That's right. Yeah. Works dropped off heaps. So Yes. and yeah. No. So That's it. that's That's all tied up in the settlement stuff as well. So okay. So that all sort of you'll sort of look at focusing on that a bit more down the track once that settlement stuff has all gone through. Is that what yeah. you're sort Potentially. of thinking? Yeah. Yeah. I'll either Yep. close it down Yep. or it'll or I'll keep ticking it over. Okay.","start_word":6158,"end_word":6381,"sentiment":"neutral","sentiment_score":-0.020060045644640923},{"text":"Perfect.","start_word":6382,"end_word":6382,"sentiment":"positive","sentiment_score":0.36240875720977783},{"text":"I'll just make a note of that here for you. We'll put it down as a goal to sort of reassess that down the track with you to sort of see how that goes, whether you kinda transition back or whether you're happy to stay where you are and you close it down just so we can kinda help with that down the track.","start_word":6383,"end_word":6446,"sentiment":"neutral","sentiment_score":0.13589019677601755},{"text":"Beautiful. Yep. Fantastic. I've got so estate planning wise, we're just sort of looking at making sure everything can be directed to your will.","start_word":6447,"end_word":6470,"sentiment":"positive","sentiment_score":0.43236470222473145},{"text":"Just sort of clarify, income we're looking at income protection to increase that benefit of that to cover you up to 70% of your income. You do have a four week waiting period and a five year benefit period on that policy as well. You're fairly comfortable with that? Did you have any questions around the benefit or waiting period? Yeah. No. No.","start_word":6471,"end_word":6533,"sentiment":"neutral","sentiment_score":0.14087523519992828},{"text":"Not beautiful.","start_word":6534,"end_word":6535,"sentiment":"negative","sentiment_score":-0.3941571712493897},{"text":"We're have to come through with the life and CBD benefits that we do hold at the moment, and just looking at your super working towards the age of 60 for retirement. Access income is around about 1,700 per week currently. That could definitely change. We're looking at being a growth investor, and I'll go back and reassess the super fund as well as the investments within that to keep you in that risk profile, but to see if anything needs to be switched out or changed or updated since you were onboarded originally. Does that sound correct? Have I missed anything at all there? No. That sounds all pretty right. Yeah.","start_word":6536,"end_word":6647,"sentiment":"neutral","sentiment_score":-0.016841435804963112},{"text":"Beautiful.","start_word":6648,"end_word":6648,"sentiment":"positive","sentiment_score":0.38566792011260986},{"text":"We'll hold off on any additional contributions and other advice at the moment. Just a way for you to go through that settlement side of things. Is there any other goals? I know you're down the track. You sort of mentioned, like, to buy property as well. You know, once everything kinda goes through and deciding what to do with the business as well. Is there any other goals down the track that you might have as well? Not really. Just probably yeah. Probably just buy a property and and potentially travel a bit. That's probably about it. Yeah. Perfect. Where would you like to travel to? Anywhere and everywhere. I've I never love I've never it. act I've With never the actually kids? been overseas, so I'd long to go anywhere. So yeah.","start_word":6649,"end_word":6782,"sentiment":"neutral","sentiment_score":0.02530588643319571},{"text":"Yeah. That's fantastic. That's been I definitely wanna see you do that. That is for sure.","start_word":6783,"end_word":6798,"sentiment":"positive","sentiment_score":0.6331306099891663},{"text":"Do you think it's something you'd like to do, take the kids with you, or do you think you'd like to just give it a crack on your own and see how you feel? Travel to adult only cases? What are you thinking? Yeah. Probably with my with my partner. I'll probably probably get somewhere with a new Yep. partner first and then and then eventually Yep. just figure out where it's good for the kids to take. So yeah.","start_word":6799,"end_word":6878,"sentiment":"neutral","sentiment_score":0.11135229468345642},{"text":"Perfect. Perfect.","start_word":6879,"end_word":6880,"sentiment":"positive","sentiment_score":0.4175277054309845},{"text":"I have them here your next of kin is your mom. Are you happy keeping your mom, Angela, down as next of kin on file, or did you wanna change Yeah. or alter that? No. I'll leave that there. That's all good. Yep.","start_word":6881,"end_word":6923,"sentiment":"neutral","sentiment_score":0.09557147324085236},{"text":"Perfect. Excellent. Thank you so much for that.","start_word":6924,"end_word":6931,"sentiment":"positive","sentiment_score":0.5309138894081116},{"text":"Now just to kinda go through now, I'm not sure how much has Maddie gone through sort of the fees with you and the re onboarding sort of process and how that looks? No. No. That's okay. So re onboarding means that we are just gonna have to go back through and do a new essentially, a new advice document, go through the research again to kind of re onboard everything. It means updating everything. So we do charge an implementation fee once we kinda go through the advice. That's the same as last time is just charged if you take on the advice, essentially. It comes out of your super at the time that we, you know, receive access to it essentially and start altering the investment. It is 4,950, the implementation fee. And then we Yep. do obviously turn our ongoing service fee back on. It is 1.65% the same as it was last time. However, our fee our ongoing fee structure is now changing to a tiered structure. So your it's think of it like the tax system. You have those set tiers in place. So for your balance up to 200,000, it's 1.65%. Once your balance goes over that 200,000, then you drop into the next tier and your ongoing service fee drops to 1.375. And then when your balance is 500,000, it drops into the tier below that, which is 1.10. So the idea of the newer fee structure is that each time your balance increases beyond that tier, you drop into the lower tier, and it ends up being a lower lower percentage for the rest for the next tier down. So the idea is it sort of keeps it a bit there. We also know that as a set dollar figure fee. So one of the things you'll probably remember is we used to give you a estimate on how much that fee was meant to Yep. be. Yep. We don't do that anymore. We actually work out for the year as a set dollar figure fee how much that will be, And that means that, like, if the way it used to be is if you've got a 20 or, you know, 15 or 20% return, your fee would go up with that. That no longer happens. We essentially work out what tier structure you work in for the ongoing service fee, and then we add 5% growth to that amount, and that's how much you pay for the year. So it gives you a lot more certainty around how much the ongoing service fee is that particularly it. And it also means that the more your balance grows, the lower the fee or the lower the tier is going to be or the lower the percentage within that tier is going to be as well.","start_word":6932,"end_word":7405,"sentiment":"neutral","sentiment_score":0.04696014141779342},{"text":"So it works out to be a lot more favorable for you as a client, but it also means that we're able to charge our ongoing services and keep providing our advice there.","start_word":7406,"end_word":7438,"sentiment":"positive","sentiment_score":0.3460772931575775},{"text":"Does that make sense? Do you have any questions? Yeah. No. That sounds good.","start_word":7439,"end_word":7452,"sentiment":"neutral","sentiment_score":0.1295904815196991},{"text":"That's okay. Beautiful. We wanted to sort of make it fair and changes that worked for our clients and making that step here structure works really well.","start_word":7453,"end_word":7479,"sentiment":"positive","sentiment_score":0.518527626991272},{"text":"I'm not sure if you remember the the SDS we used to provide. They used to essentially give you an idea or an estimate on the fee for the next twelve months. This gives you a lot more certainty there. So it's about making sure that it's there.","start_word":7480,"end_word":7527,"sentiment":"neutral","sentiment_score":0.09438838064670564},{"text":"It's a good system, and I do like that as your balance increases over time, that net pay drops down and your fee gets lower, which is kind of cool. So it's about making sure that your balance is working harder for you.","start_word":7528,"end_word":7570,"sentiment":"positive","sentiment_score":0.7389290928840637},{"text":"Because we do go through the onboarding process again, and I do have to do the research. I do have to charge the implementation fee again. So it is 4,950 just so you're fully aware. Yep. But we don't turn any of this back on until you decide to take the advice. And, again, the same as every other advice case, it's all, you know, up to you. I will give you the advice, show you what I'm recommending we do, how this works for you, the projected outcome based on, you know, the next couple of years to sort of show you the what we're projecting to to look like, essentially. And then you get to take it away, read it. Let me know if you happen to have any questions in this side, whether you're happy to take the advice. Does that sound okay? Yes. Yes. Good. Yep.","start_word":7571,"end_word":7720,"sentiment":"neutral","sentiment_score":0.17250800132751465},{"text":"Beautiful. Excellent. It'll take you just a couple of weeks to kinda get through the research and come back with the advice page.","start_word":7721,"end_word":7743,"sentiment":"positive","sentiment_score":0.432341992855072},{"text":"Yep. Am I able to take some time now just to book you back in to go to the advice with me in a few weeks? Yeah. No dramas. Yeah.","start_word":7744,"end_word":7773,"sentiment":"neutral","sentiment_score":0.1113315224647522},{"text":"Fantastic.","start_word":7774,"end_word":7774,"sentiment":"positive","sentiment_score":0.3624350428581238},{"text":"What time of day generally suits you there? Probably at the same time. Probably at 04:00. Yeah. Absolutely. Okay. So just looking at the calendar. Does the Thursday still work for you okay? Yeah. It says that'll be fine. That'd be okay? Yep. Beautiful. So I could do 04:00 on Thursday, October 16. Would that be alright? Yeah. Yep. That's fine. Yep.","start_word":7775,"end_word":7836,"sentiment":"neutral","sentiment_score":0.07071275264024734},{"text":"Perfect. I'll book it in there for you.","start_word":7837,"end_word":7844,"sentiment":"positive","sentiment_score":0.4209880232810974},{"text":"I'll add a text message reminder in there just so it lets you, you know, give you a prompt. That way, if anything happens to come up, you can let us know it's not an issue. I'll go back and do all the research, have a look at what we can do. I can see that the statement here is definitely some changes I'd love to make to your portfolio, some investments that no longer sort of fit the current climate there. And I'll Yep. show you what that looks like as a whole. We'll go through it together, and then you get to take that back and have a bit of a read through it as well.","start_word":7845,"end_word":7962,"sentiment":"neutral","sentiment_score":0.27678510597196676},{"text":"Yeah. How That sounds does great. that sound, Darren? Beautiful.","start_word":7963,"end_word":7972,"sentiment":"positive","sentiment_score":0.6648593544960022},{"text":"Do you happen to have any questions or anything that maybe I haven't touched on that you wanted to ask me while you've got me here today at all? No. No. Pretty straightforward. No?","start_word":7973,"end_word":8006,"sentiment":"neutral","sentiment_score":0.1651037186384201},{"text":"Fantastic. Look. I have thoroughly enjoyed meeting with you today. I look forward to putting this advice document together and us going through it in a couple of weeks.","start_word":8007,"end_word":8035,"sentiment":"positive","sentiment_score":0.7821717262268066},{"text":"If you do happen to have any questions, please reach out to myself or Maddie, and I'll talk to you on the fifteenth.","start_word":8036,"end_word":8058,"sentiment":"neutral","sentiment_score":0.298334538936615},{"text":"If I don't look forward, I hope you have a good weekend.","start_word":8059,"end_word":8070,"sentiment":"positive","sentiment_score":0.3830254375934601},{"text":"Yeah.","start_word":8071,"end_word":8071,"sentiment":"neutral","sentiment_score":0.28677666187286377},{"text":"No worries. You too. Easy. Thanks so much for your time, Jared, and talk to you soon. No worries. Thanks, Thanks. Donna.","start_word":8072,"end_word":8093,"sentiment":"positive","sentiment_score":0.6151098608970642},{"text":"Bye. Yeah. Bye.","start_word":8094,"end_word":8096,"sentiment":"neutral","sentiment_score":0.2274681925773621}],"average":{"sentiment":"neutral","sentiment_score":0.08724908360432682}}}}