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Before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Fantastic. And, Reese, can I please ask you to confirm your full name, date of birth, and address, please? Fantastic. Thank you for that. To avoid doing the three points of ID each time, did you wanna add a password to your file? You don't have to. It... It's it's... Okay. That's alright. Okay. So the purpose of my call this morning is to run through your scheduled and your review. Do you have time to do that at the moment? Lovely. Okay. So probably the first thing I'd like to ask before we start is has there been any significant changes to your personal or financial situation since the last review you had? Okay. To refinance or to buy? Oh, fantastic. How exciting is that? When are you when are you thinking of buying? Okay. Soon. And in and in Victoria where you are? That's exciting. Oh, that's exciting. Hopefully, it all pans out quickly for you. What what price range are you guys looking at? Yeah. Great. Oh, that's exciting. Oh, congratulations. Something... It's something to look forward to. Alright. So, well, I've just made a note of that. But what I might do is just run through a few of the details we hold on file just to make sure that everything we do have is correct and up to date. So I don't actually have anything here recorded for your marital status. Do... Can you advise what that is? Yeah. De facto. Okay. Lovely. Is it a secret? No. Oh, exciting. Oh, some more exciting news. Oh, that's exciting. Okay. The... So with your partner, what is their name? Sarah and surname? How do I spell that? Yep. E a. Lovely. And that's alright. And did you want Sarah noted here as your next of kin on file? Yeah? And what's her contact number? What is her contact number? Yes. Yeah. Lovely. And do you guys have any dependents? No. Okay. Now, Reese, I have you here your occupation as a plumber. Is that still correct? Yeah. Fantastic. And employed full time? Yeah. What is your employer's name? Yeah. Statewide Emergency Plumbing. And how long have you been been with them for? Oh, okay. Yep. Okay. Yeah. Fantastic. Alright. Sorry. I'm just making a note. And do you work at... Heights is a bit of a silly question, but any work at heights or handle any hazardous material? Yeah? Would it be over 12 meters? No. No. Yes. Beautiful. Alright. And what... We have your income taxable gross amount in... At a 114,000. Is that still correct or has that changed? Yep. Was that was that after your tax deductions or before? Yeah. Okay. Yeah. Okay. Alright. Too easy. With your expenditure per week, we didn't have anything down. We only had a thousand dollars of savings per week. Has that changed? Yeah? Okay. Expenditure wise, probably being maybe the more fixed as possible one. What do you reckon your expenditure is per week? Either or. You can probably just... You're you're part of it considering we don't have Sarah's details. Yep. Mhmm. Yeah. Awake? Okay. Yeah. And your savings would vary. So the difference would be savings, do you think? Yep. Okay. And you receive SG contributions, so the super contributions? Yeah? Okay. Alright. And I have here that you made some salary sacrifice contributions in the past. Are you still doing those? Yep. Yeah. That's alright. Is that due to, you know, going through the mortgage process? Mhmm. Mhmm. Okay. That's fine. Now assets and liability wise, we only had a car here with no value but a debt attached of 35,000. Is that still correct? Yeah. Or it might just be in the wrong spot on our system. It might be valued at 35 with no debt. I just okay. And how much do you... Is that valued at, do you think? Yeah. Any other assets and liabilities? Yeah. Yeah. Okay. Any savings that you have? Yep. Yep. Is that you and Sarah Tether? No. Just you. And is that... I'm... Is it gonna guess going towards the house? Yep. Okay. And how much do you think you're gonna be using for a deposit? Yeah. Okay. Okay. Alright. Lovely. And with that, I guess, the the surplus, is that a cash buffer? Is that... What is that for you? The remain... The... After the deposit? Yeah. Yeah. So it kind of used as an emergency. Mhmm. Okay. How how much are the shares worth? Any... Yeah. Any debt attached to those? Any debt attached to those? Yeah. No. What kind of shares are they? Like, are they a mixture? Oh, like, is it a, yeah, is it is it specific shareholdings in a specific company, or is it a combination of them, of different companies you hold? Oh, three ETFs. Okay. Fantastic. And did you set those up yourself? Yeah. Okay. Did you wanna seek advice on whether... Like, what the capital gains would be if you were to sell them and so on, or you're happy to manage that yourself? Yeah. No. That's absolutely fine. Mhmm. How much do you have with that? Yep. Yeah. Nice. Yep. Okay. Alright. Okay. So they're back up to the $1.20? Okay. And that's still that's still your your your goal or ambition at the moment for that? Yep. Yeah. Okay. Alright. Any other assets you can think of? Gosh. Any other investment assets outside of your superannuation? Any other savings? Boats, caravans, anything like that? No? Okay. Beautiful. Have you ever been declared bankrupt or been a part of a death agreement? No? Lovely. And moving on to health and lifestyle questions here. Are you a smoker? No. Any significant health issues or injuries? No. Do you take medication for anything? Yep. Okay. Oh, yeah. No. Just medicate. Kind of like prescription medication. So your insulin, is that what is that for? Oh, asthma, papa. Sorry. I thought you said I thought you said insulin. Sorry. I I didn't wanna assume whether it was what type of diabetes it was, so it's... That's fine. My mistake. My mistake. Do you have any private health insurance? Yeah. Who's that with? Okay. And what's your height and weight? Yep. Yep. And wait. Lovely. And then probably last lot of the invasive questions I have for you this morning. Do you have a will and power of attorney in place? No. Is it something you and Sarah are looking at? Yep. Okay. Yep. Mhmm. Yeah. Okay. Yep. Okay. Yeah. Okay. That makes sense. That absolutely makes sense. Alright. Alright. So we had here that you wanted to go to Canada once or twice a year. Is that still something you've... You both plan on working towards? Yep. So it'd be more... Is is it her family over there? Yeah. So would it be more likely be once a year if you purchase a property and have other expenses come up or still aiming for twice a year? Yeah. Yep. Yeah. I understand. So outside of probably those goals and objectives, being traveling to Canada, purchasing your new home, ring shopping, potentially looking at investment options and what to do with those in relation to the house that you intend on purchasing. Anything outside of that that you can think of that would be a goal that you need to work towards or wanna look at from a financial planning personal lifestyle perspective? Of course. Of course. Okay. That's good. That's good. That gives me something to kind of work around. Just with your superannuation, what would you... What is it that you're hoping to achieve with your superannuation? Like, what are your goals for it? Mhmm. Yeah. Yeah. So those rules have changed recently in relation to residential property within self managed super funds. It's the... It's more now that you are able to buy commercial properties as opposed to residential properties. So those rules did change only recently. So... Yes. Mhmm. Yep. Yep. Okay. So you would be restricted to a commercial type property. Is that something you're still thinking about? Or... Yeah. Mhmm. Okay. If we're looking at that, what would be the time frame you'd wanna look at that in? Yeah. It it... Would it be a goal in, say, for example, two years time to look at it or three? Depending on what you've got going on now with the home, is it something that would be prioritized towards, I don't know, maybe post organizing your residential purchase. Probably just the time frame of when you think. Two years? Okay. Yep. And cost wise in superannuation, is that something that you think about or is important to you, like, the fees involved and... Or is it returns that you're more more after? Yep. Yep. Okay. The reason why I ask is a self managed super fund typically is significantly more expensive than the type of arrangement you have now, especially when you take property into consideration. So I do ask that for a reason. Okay. So you're not overly fee conscious. It's more what's gonna potentially... Yep. Mhmm. Yeah. Yep. Yeah. Okay. Okay. Alright. Alright. Leave that one with me. I'll have a look at that. And then with estate planning, I'm just gonna mention, it's probably something that yourself and Sarah do need to look at. Particularly, like, looking at your net wealth individually, you've got some significant net wealth there even outside of your potential house purchase in the future. If something was to happen to you, there's no legal document in place directing where you want your assets to be transferred or paid to. Without that, it goes through, basically, the public trustees to make those decisions, and it can be a drawn out process. So if Sarah has somewhat of a similar situation to yourself, it is probably worth looking into getting a will, drawn up. Additionally, a power of attorney, which allows someone to make, you appoint someone to make financial and health decisions on your behalf should you be unable to do so, so if you're incapacitated in any way. So that's probably something you should both definitely look out. I can send you through a brochure for someone that we work with. Cost wise, very reasonable considering some of the ones I've seen in the past. So I can send that through to you if you like. Yeah. Okay. And then... Okay. Sorry. Just writing that down. This is one of my little action items to do. What I'm going to do now is... Do you have access to your emails at all? Yeah? I am going to send you an email. It is gonna have your annual review documents within them, and we're just gonna talk through those. When you do receive it, you will need to open it and click the button that says sign here or click here to complete. You're not signing anything at the moment. We're simply just gonna talk through those documents in relation to your review and discuss any key areas. So when you have that open, can you please let me know? It should come from Odusign or Jenna Wheeler Odusign. Beautiful. So the first document you should be seeing is the summary of super and insurance. So what this is is a summary page of where your situation's at. Currently, your super is held within hub 24 with an approximate balance of 201,414, and you have life and TPD insurance of 326,197. That premium is funded through HUB24, your super balance, and it's $425.65 a year. Now looking at your insurance, you don't have income protection or trauma insurance. Have they been explained to you in the past? Mhmm. Yep. Mhmm. Mhmm. Okay. Given that you're looking at purchasing a home, if something was to happen to you injury or illness wise... I mean, you've got the accident policy, which is is... Sounds like a general type insurance product. It... It's it's something at least. But if you are unable to work due to injury or illness, you'd have no source of income. So income protection is something I would probably suggest looking at. Premiums, we can definitely look at. And premiums are, for example, they will vary depending on the terms of the policy that you have. So there's something called a waiting period, which is the number of days you need to wait before you're eligible to be paid from a claim. So they vary from thirty days to sixty days to ninety days. Looking at your cash reserves and assets, you know, you have funds available to you to have a longer waiting period to make the premium more affordable, should that be something that you want to look at. The other thing that impacts the premium is what we call a benefit period. So that goes from two years to five years to eight sixty five and varies amongst different companies. And what that means is depending on the severity of your injury or illness, it's the maximum term you can be paid for that particular injury or illness. So that also does impact the premium, but I would strongly recommend given the fact that you're looking at purchasing a home. If you are unable to pay that mortgage, that's gonna put financial strain on you and Sarah. We can at least look at it at the cost of it. What you can do is cover up to 70% of your taxable income, so it'd be 70% of the 96,000. So it's not gonna cover everything, but it's designed to help cover the essentials. Is that something you want me to look at for you? Mhmm. Mhmm. Mhmm. Okay. Alright. Let's visit that in a second. I'll ask some more questions about that in a second. The... I'm assuming that's to do with lifestyle questions that you would... Yeah. Yeah. Yeah. Yeah. Yeah. So typically, what would happen in that scenario is not necessarily a increase in premium. It's more likely to have an exclusion for that type of thing. So what I'll do is I might touch on that in a little bit in a little bit further detail. And, again, we don't have to look at it. It's just I need to provide you with the information so you can consider it at least. And then the other type of policy is trauma. So what that is is it's a lump sum benefit that's paid tax free. The premium is paid from your personal cash flow. If you're diagnosed with a insurable event, so they range from different types of cancer, heart attack, stroke, and they're designed to kind of be a stop gap between your income protection and returning to work. Typically, some funds there to cover out of pocket medical expenses and a little bit of a recuperation period. Is that something you'd wanna look into? Yep. Yep. I can send you some information on that with the estate planning brochure too. Yep. Yep. Absolutely. I can do that. Absolutely. Alright. The next document in that pack is your performance report with Hub. The first thing that we'll talk about is that top fund there being the Bannalong Australian Equities Fund. You'll see that over the last twelve months, it's significantly underperformed. No. That's okay. Yep. So the next... So this is your performance with your superannuation over the last twelve months. Now that first fund at the top there investment option is the Bennelong Australian Equities Fund. Had a a rather poor performance in the last twelve months. The reason being is that each different investment manager has different mandates or philosophies, and then along Australian Equities Fund is to, best way to explain this, source Australian companies within the share market that they believe are undervalued for potential future growth. In the last twelve months, it's really been the financials and the resources that performed, leaving Bennelong's investment philosophy to not be as fruitful as it has in previous years. So given that, as a company, we have reviewed that along for our clients. And at the moment, we're looking at alternatives for clients for replacements. Is that something that you're happy for me to look out for you? Yeah? Lovely. The other one... There's two others in your portfolio that I do wanna have a look at as well. The second one down being the beta bank hybrids. There's nothing fundamentally wrong with that investment option. There's just some changes in the market coming. So from January 2027, the Australian banking system's gonna be phasing out the hybrid investment options. So rather than sitting and waiting to see what the replacement option's gonna be, I wanna be a little bit more proactive to look at alternatives now while it's still valued while producing an income and whatnot. So if you're happy for me to do that, I'd like to do that also. And then the last one in your portfolio is the bottom one, the Van Eck Property ETF unit. Property is taking a bit of a nosedive due to a number of reasons, mainly interest rates at the present moment. So I'd like to look at your property exposure as a whole in the portfolio and see if that's something that we wanna retain in your portfolio moving forward. Yep. Okay. Fantastic. So overall, in the last twelve months, you have had a net return, so that's after phase, of 2.95%. Now the Bennelong Fund itself has turned around and improved... Is performing positively in the last couple of months so that your next twelve month return is looking much better, but we have you invested as a high growth investor. So what that means is we have 90% of your assets allocated to growth funds, which is shares, listed property, and then 10% to defensive assets such as fixed interest and cash. What that means is one in every five years, you can expect statistically a negative year, and then that variance being between plus or minus 14%. So, you know, in a good year, you could potentially expect a plus of 14%. In a bad year, you could expect the opposite essentially. And that's due to the amount of assets you have in the growth sector. The expected return between a high growth... In a high growth portfolio is between eight to 10% a year, averaged out. So not every year, but averaged out. And a minimum time frame of investment for eight years. So what that tells us is is that to withstand the fluctuations within the market, you'd need to be invested in that type of gross... High growth portfolio for at least eight years to, in a bad year, make back the the funds, basically. So given that you're twenty one years away at the moment from being legally able to access your superannuation, you do have time on your side to remain invested in a high growth portfolio should that be something that you are still comfortable with. Yeah? Well, the next document over, if you click next, it just talks a little bit... I'd use this as a a guide just to understand the risk profile a little bit more. So in the top four there, you'll see US shares, Australian shares, international, and listed property. They're your growth assets. So that's where we would expect to see about 90% of your superannuation invested across those different sectors, and you can see the volatility that those experience. The bottom two being bonds and cash, they're your defensive assets. So over the long term, minimal growth, more income producing. So in... As we get to retirement, you see that those gross asset exposures typically decrease, and the income producing ones increase a little bit. So it takes a bit of a a change. So worldwide events, you know, can can cause the market to behave in different ways. Across the top of the page there, you'll see different events that have occurred being COVID nineteen, for example. The market took a significant dip, but then also recovered. So understanding that the market does behave differently in different times is something that's important for someone invested in a high growth portfolio. Understanding that there are gonna be negatives and bad times, but you do have time on your side to withstand that if you are comfortable with it. Yeah. Do you think that maintaining a high growth portfolio is something that you wanna continue with? Yeah. Yep. Okay. What makes you hesitant? No. Yep. Yep. That's okay. I only asked hesitant because you said you think so. So I just wanted to make sure that there wasn't any concern there or questions that you you might have had. Yeah. Yep. Completely understand. Alright. The next document across is your certificate certificate of currency. So this refers to your life and TPD insurance held with Clearview. It's... The certificate certificate of currency means that it is paid and it is enforced. So it is paid until the 07/18/2027. Your levels of cover are there. Something that I will flag with you once you purchase the house is that Sarah and yourself may want to consider reviewing your life insurance covers and what it is that you want to achieve should one of you pass away, and that might be to repay debt on the house so the remaining partner has a debt free home. So that is something probably to flag for the future that we will need to have a conversation about to make sure that, you know, your wishes and... In place. The next document across is the financial services guide. What this document is is it explains who we are, who I am, who we're licensed through, and that we, more importantly, are licensed with ASIC. It explains the different types of advice we can provide and how we do that, our fee guide, and also importantly, the complaints process should you ever be in a position that you need to do that. The next document across is your ongoing service agreement. So that's the fees that we charge on your superannuation fund. So on the top of the second page, it is estimated to be $3,485.41 per annum. Now that is then broken down and paid monthly. So for a twelve month period... I mean, monthly, over twelve months, you're looking at $290.45, and that is deducted from your superannuation balance. And it... What it covers is your regular reviews, any changes that I'm gonna recommend post this review, so being those investment changes that we're gonna look at. It also doesn't limit you to your regular... In your reviews. If your situation changes or you need further advice, you reach out, make contact with booking a time, and run through that. So you're not limited in any respect. So that's what that fee covers. So if you're happy to continue for the next twelve months, that's one form you will need to sign, and you can do that electronically through this. And the last document in that pack is your option to... Well, it's basically the authority to... For us to retain your tax file number. So we do have that on file, and we have that on file from when we established your superannuation fund to ensure that you weren't overtaxed in super. So by you signing that form, you acknowledge that we do hold that on file, and you do give us authority to do so. Any questions so far? No. Okay. Mhmm. Yeah. Yep. So in the documents you're in, if you click... There should be an option where you... It says sign here on the third page. Yes. So if you... Yeah. If you jump out and maybe go back in and navigate to those last two pages, there should be the option for you to sign them electronically both through this through this link. Okay. Alright. Leave that with me. I will get that reissued to you. It might be just a glitch in the background. So what I'll do is if you want, you can delete that email. I'll get it resent to you once I jump off the phone, And I'll also send through the estate planning brochure and some information on the insurances throughout the day today to use... For you to talk about with Sarah to consider. Of course. What email address would you like to update that to? Mhmm. One ten. Yep. Okay. I'm just gonna read this back to you. It is r h y s y one 10@gmail.com. Okay. So we'll update that on our end. We'll also... If there's any forms to be signed, send those to you to be... To update with Hub and Clearview. And the only other item I just wanted to bring to your attention is at the moment for your life and superannuation fund, you do not have a beneficiary nomination. So what that means is if something was to happen to you, the trustees have full discretion as to where those funds are paid. If you wanted to make a nomination, I can arrange to get those funds sent to you. Yeah. Do you know who you want your beneficiary to be? Sarah? Okay. Alright, Rosalie. And is she at the same address you are, 19 Lynette Avenue? Okay. Just... If you would... If you want me to prefill the form, yeah, I'll grab her address. Or if you're happy to complete the form when you receive it, you can complete it all then. Yep. Okay. And then lastly, with the beneficiary nomination, there's two options. There's something called a non lapsing binding and a binding. What it means is that the trustees are bound by your beneficiary nomination, so they can't change it. The non lapsing means exactly that. It doesn't lapse until you lodge a new form to update that, whereas a binding means you need to renew it every three years. What would be your preference? Yeah. So you'd need to complete a new form every three years to have a beneficiary updated. We would talk about your beneficiaries every year in your review anyway to make sure that they're accurate and reflect your wishes. The non the non lapsing one just means that you don't have to fill out a a new form every three years. If your situation changes, we would then issue a new form for you to be signed. Yep. And on lapping. Perfect. Alright. Well, we'll get that sent to you as well. Do you have access to a printer to print that and complete, or do you want it posted? Yep. Okay. That's alright. We will get that sent to you. Alright. Lovely. So the next steps following this is that I'm going to go away and do some research to build an advice document just to change those investment options that we touched on. Is... In the next few weeks, I just need to book some time in with you, probably the week starting the October 26 at this stage, to book in maybe forty five minutes or so to just run through that advice document and the investment changes so that I have your authority to make those. Is there any day of the week that works best for you? Yep. Okay. Yep. Yes. Yeah. Yeah. We've had that fixed. We got notified by that by a few clients, and we're like, oh. So we rang out our tech people to get that fixed. So, hopefully, that's not happening anymore. Did that happen this morning? Beautiful. No. I understand that. I would be exactly the same. So thank you. I think we've rectified that. But, yeah, if it does... If if you do ever experience that again, please, like, please feel free to give us that feedback so we can make sure that that is... Doesn't continue to happen. If I'm looking at the week of the twenty sixth, today's a Wednesday, would you like me to book something in around the same time? And if we need to change that, we can? Yes. So Wednesday, the twenty eighth at about... Not even looking the right day. Nine, which is ten your time? Yep. Yeah. Okay. We'll send you a text message. I'll I'll set a text message reminder for the afternoon before to calendar. Alright. Lovely. Fantastic. Well... Yeah. Daylight savings is... Because we're in Queensland. Sometimes it takes our brains a little while to adjust, particularly if it was sent just... This is our first week doing it. So I'd say there was probably a little bit of a error there, but thank you. I will let the team know and make sure that that doesn't happen again. Alright. Fantastic. Well, thanks for your time, Reese. I really do appreciate it, and I look forward to speaking to you in a couple of weeks to talk through those changes. Lovely. Thank you so much. Enjoy your day. Okay. 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Is this Reece? Reece, this is Jenna Phoning from Oakview Financial. How are you today? I'm well.\n\nThank you. Before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Fantastic. And, Reese, can I please ask you to confirm your full name, date of birth, and address, please?\n\nFantastic. Thank you for that. To avoid doing the three points of ID each time, did you wanna add a password to your file? You don't have to. It...\n\nIt's it's... Okay. That's alright. Okay. So the purpose of my call this morning is to run through your scheduled and your review.\n\nDo you have time to do that at the moment? Lovely. Okay. So probably the first thing I'd like to ask before we start is has there been any significant changes to your personal or financial situation since the last review you had? Okay.\n\nTo refinance or to buy? Oh, fantastic. How exciting is that? When are you when are you thinking of buying? Okay.\n\nSoon. And in and in Victoria where you are? That's exciting. Oh, that's exciting. Hopefully, it all pans out quickly for you.\n\nWhat what price range are you guys looking at? Yeah. Great. Oh, that's exciting. Oh, congratulations.\n\nSomething... It's something to look forward to. Alright. So, well, I've just made a note of that. But what I might do is just run through a few of the details we hold on file just to make sure that everything we do have is correct and up to date.\n\nSo I don't actually have anything here recorded for your marital status. Do... Can you advise what that is? Yeah. De facto.\n\nOkay. Lovely. Is it a secret? No. Oh, exciting.\n\nOh, some more exciting news. Oh, that's exciting. Okay. The... So with your partner, what is their name?\n\nSarah and surname? How do I spell that? Yep. E a. Lovely.\n\nAnd that's alright. And did you want Sarah noted here as your next of kin on file? Yeah? And what's her contact number? What is her contact number?\n\nYes. Yeah. Lovely. And do you guys have any dependents? No.\n\nOkay. Now, Reese, I have you here your occupation as a plumber. Is that still correct? Yeah. Fantastic.\n\nAnd employed full time? Yeah. What is your employer's name? Yeah. Statewide Emergency Plumbing.\n\nAnd how long have you been been with them for? Oh, okay. Yep. Okay. Yeah.\n\nFantastic. Alright. Sorry. I'm just making a note. And do you work at...\n\nHeights is a bit of a silly question, but any work at heights or handle any hazardous material? Yeah? Would it be over 12 meters? No. No.\n\nYes. Beautiful. Alright. And what... We have your income taxable gross amount in...\n\nAt a 114,000. Is that still correct or has that changed? Yep. Was that was that after your tax deductions or before? Yeah.\n\nOkay. Yeah. Okay. Alright. Too easy.\n\nWith your expenditure per week, we didn't have anything down. We only had a thousand dollars of savings per week. Has that changed? Yeah? Okay.\n\nExpenditure wise, probably being maybe the more fixed as possible one. What do you reckon your expenditure is per week? Either or. You can probably just... You're you're part of it considering we don't have Sarah's details.\n\nYep. Mhmm. Yeah. Awake? Okay.\n\nYeah. And your savings would vary. So the difference would be savings, do you think? Yep. Okay.\n\nAnd you receive SG contributions, so the super contributions? Yeah? Okay. Alright. And I have here that you made some salary sacrifice contributions in the past.\n\nAre you still doing those? Yep. Yeah. That's alright. Is that due to, you know, going through the mortgage process?\n\nMhmm. Mhmm. Okay. That's fine. Now assets and liability wise, we only had a car here with no value but a debt attached of 35,000.\n\nIs that still correct? Yeah. Or it might just be in the wrong spot on our system. It might be valued at 35 with no debt. I just okay.\n\nAnd how much do you... Is that valued at, do you think? Yeah. Any other assets and liabilities? Yeah.\n\nYeah. Okay. Any savings that you have? Yep. Yep.\n\nIs that you and Sarah Tether? No. Just you. And is that... I'm...\n\nIs it gonna guess going towards the house? Yep. Okay. And how much do you think you're gonna be using for a deposit? Yeah.\n\nOkay. Okay. Alright. Lovely. And with that, I guess, the the surplus, is that a cash buffer?\n\nIs that... What is that for you? The remain... The... After the deposit?\n\nYeah. Yeah. So it kind of used as an emergency. Mhmm. Okay.\n\nHow how much are the shares worth? Any... Yeah. Any debt attached to those? Any debt attached to those?\n\nYeah. No. What kind of shares are they? Like, are they a mixture? Oh, like, is it a, yeah, is it is it specific shareholdings in a specific company, or is it a combination of them, of different companies you hold?\n\nOh, three ETFs. Okay. Fantastic. And did you set those up yourself? Yeah.\n\nOkay. Did you wanna seek advice on whether... Like, what the capital gains would be if you were to sell them and so on, or you're happy to manage that yourself? Yeah. No.\n\nThat's absolutely fine. Mhmm. How much do you have with that? Yep. Yeah.\n\nNice. Yep. Okay. Alright. Okay.\n\nSo they're back up to the $1.20? Okay. And that's still that's still your your your goal or ambition at the moment for that? Yep. Yeah.\n\nOkay. Alright. Any other assets you can think of? Gosh. Any other investment assets outside of your superannuation?\n\nAny other savings? Boats, caravans, anything like that? No? Okay. Beautiful.\n\nHave you ever been declared bankrupt or been a part of a death agreement? No? Lovely. And moving on to health and lifestyle questions here. Are you a smoker?\n\nNo. Any significant health issues or injuries? No. Do you take medication for anything? Yep.\n\nOkay. Oh, yeah. No. Just medicate. Kind of like prescription medication.\n\nSo your insulin, is that what is that for? Oh, asthma, papa. Sorry. I thought you said I thought you said insulin. Sorry.\n\nI I didn't wanna assume whether it was what type of diabetes it was, so it's... That's fine. My mistake. My mistake. Do you have any private health insurance?\n\nYeah. Who's that with? Okay. And what's your height and weight? Yep.\n\nYep. And wait. Lovely. And then probably last lot of the invasive questions I have for you this morning. Do you have a will and power of attorney in place?\n\nNo. Is it something you and Sarah are looking at? Yep. Okay. Yep.\n\nMhmm. Yeah. Okay. Yep. Okay.\n\nYeah. Okay. That makes sense. That absolutely makes sense. Alright.\n\nAlright. So we had here that you wanted to go to Canada once or twice a year. Is that still something you've... You both plan on working towards? Yep.\n\nSo it'd be more... Is is it her family over there? Yeah. So would it be more likely be once a year if you purchase a property and have other expenses come up or still aiming for twice a year? Yeah.\n\nYep. Yeah. I understand. So outside of probably those goals and objectives, being traveling to Canada, purchasing your new home, ring shopping, potentially looking at investment options and what to do with those in relation to the house that you intend on purchasing. Anything outside of that that you can think of that would be a goal that you need to work towards or wanna look at from a financial planning personal lifestyle perspective?\n\nOf course. Of course. Okay. That's good. That's good.\n\nThat gives me something to kind of work around. Just with your superannuation, what would you... What is it that you're hoping to achieve with your superannuation? Like, what are your goals for it? Mhmm.\n\nYeah. Yeah. So those rules have changed recently in relation to residential property within self managed super funds. It's the... It's more now that you are able to buy commercial properties as opposed to residential properties.\n\nSo those rules did change only recently. So... Yes. Mhmm. Yep.\n\nYep. Okay. So you would be restricted to a commercial type property. Is that something you're still thinking about? Or...\n\nYeah. Mhmm. Okay. If we're looking at that, what would be the time frame you'd wanna look at that in? Yeah.\n\nIt it... Would it be a goal in, say, for example, two years time to look at it or three? Depending on what you've got going on now with the home, is it something that would be prioritized towards, I don't know, maybe post organizing your residential purchase. Probably just the time frame of when you think. Two years?\n\nOkay. Yep. And cost wise in superannuation, is that something that you think about or is important to you, like, the fees involved and... Or is it returns that you're more more after? Yep.\n\nYep. Okay. The reason why I ask is a self managed super fund typically is significantly more expensive than the type of arrangement you have now, especially when you take property into consideration. So I do ask that for a reason. Okay.\n\nSo you're not overly fee conscious. It's more what's gonna potentially... Yep. Mhmm. Yeah.\n\nYep. Yeah. Okay. Okay. Alright.\n\nAlright. Leave that one with me. I'll have a look at that. And then with estate planning, I'm just gonna mention, it's probably something that yourself and Sarah do need to look at. Particularly, like, looking at your net wealth individually, you've got some significant net wealth there even outside of your potential house purchase in the future.\n\nIf something was to happen to you, there's no legal document in place directing where you want your assets to be transferred or paid to. Without that, it goes through, basically, the public trustees to make those decisions, and it can be a drawn out process. So if Sarah has somewhat of a similar situation to yourself, it is probably worth looking into getting a will, drawn up. Additionally, a power of attorney, which allows someone to make, you appoint someone to make financial and health decisions on your behalf should you be unable to do so, so if you're incapacitated in any way. So that's probably something you should both definitely look out.\n\nI can send you through a brochure for someone that we work with. Cost wise, very reasonable considering some of the ones I've seen in the past. So I can send that through to you if you like. Yeah. Okay.\n\nAnd then... Okay. Sorry. Just writing that down. This is one of my little action items to do.\n\nWhat I'm going to do now is... Do you have access to your emails at all? Yeah? I am going to send you an email. It is gonna have your annual review documents within them, and we're just gonna talk through those.\n\nWhen you do receive it, you will need to open it and click the button that says sign here or click here to complete. You're not signing anything at the moment. We're simply just gonna talk through those documents in relation to your review and discuss any key areas. So when you have that open, can you please let me know? It should come from Odusign or Jenna Wheeler Odusign.\n\nBeautiful. So the first document you should be seeing is the summary of super and insurance. So what this is is a summary page of where your situation's at. Currently, your super is held within hub 24 with an approximate balance of 201,414, and you have life and TPD insurance of 326,197. That premium is funded through HUB24, your super balance, and it's $425.65 a year.\n\nNow looking at your insurance, you don't have income protection or trauma insurance. Have they been explained to you in the past? Mhmm. Yep. Mhmm.\n\nMhmm. Okay. Given that you're looking at purchasing a home, if something was to happen to you injury or illness wise... I mean, you've got the accident policy, which is is... Sounds like a general type insurance product.\n\nIt... It's it's something at least. But if you are unable to work due to injury or illness, you'd have no source of income. So income protection is something I would probably suggest looking at. Premiums, we can definitely look at.\n\nAnd premiums are, for example, they will vary depending on the terms of the policy that you have. So there's something called a waiting period, which is the number of days you need to wait before you're eligible to be paid from a claim. So they vary from thirty days to sixty days to ninety days. Looking at your cash reserves and assets, you know, you have funds available to you to have a longer waiting period to make the premium more affordable, should that be something that you want to look at. The other thing that impacts the premium is what we call a benefit period.\n\nSo that goes from two years to five years to eight sixty five and varies amongst different companies. And what that means is depending on the severity of your injury or illness, it's the maximum term you can be paid for that particular injury or illness. So that also does impact the premium, but I would strongly recommend given the fact that you're looking at purchasing a home. If you are unable to pay that mortgage, that's gonna put financial strain on you and Sarah. We can at least look at it at the cost of it.\n\nWhat you can do is cover up to 70% of your taxable income, so it'd be 70% of the 96,000. So it's not gonna cover everything, but it's designed to help cover the essentials. Is that something you want me to look at for you? Mhmm. Mhmm.\n\nMhmm. Okay. Alright. Let's visit that in a second. I'll ask some more questions about that in a second.\n\nThe... I'm assuming that's to do with lifestyle questions that you would... Yeah. Yeah. Yeah.\n\nYeah. Yeah. So typically, what would happen in that scenario is not necessarily a increase in premium. It's more likely to have an exclusion for that type of thing. So what I'll do is I might touch on that in a little bit in a little bit further detail.\n\nAnd, again, we don't have to look at it. It's just I need to provide you with the information so you can consider it at least. And then the other type of policy is trauma. So what that is is it's a lump sum benefit that's paid tax free. The premium is paid from your personal cash flow.\n\nIf you're diagnosed with a insurable event, so they range from different types of cancer, heart attack, stroke, and they're designed to kind of be a stop gap between your income protection and returning to work. Typically, some funds there to cover out of pocket medical expenses and a little bit of a recuperation period. Is that something you'd wanna look into? Yep. Yep.\n\nI can send you some information on that with the estate planning brochure too. Yep. Yep. Absolutely. I can do that.\n\nAbsolutely. Alright. The next document in that pack is your performance report with Hub. The first thing that we'll talk about is that top fund there being the Bannalong Australian Equities Fund. You'll see that over the last twelve months, it's significantly underperformed.\n\nNo. That's okay. Yep. So the next... So this is your performance with your superannuation over the last twelve months.\n\nNow that first fund at the top there investment option is the Bennelong Australian Equities Fund. Had a a rather poor performance in the last twelve months. The reason being is that each different investment manager has different mandates or philosophies, and then along Australian Equities Fund is to, best way to explain this, source Australian companies within the share market that they believe are undervalued for potential future growth. In the last twelve months, it's really been the financials and the resources that performed, leaving Bennelong's investment philosophy to not be as fruitful as it has in previous years. So given that, as a company, we have reviewed that along for our clients.\n\nAnd at the moment, we're looking at alternatives for clients for replacements. Is that something that you're happy for me to look out for you? Yeah? Lovely. The other one...\n\nThere's two others in your portfolio that I do wanna have a look at as well. The second one down being the beta bank hybrids. There's nothing fundamentally wrong with that investment option. There's just some changes in the market coming. So from January 2027, the Australian banking system's gonna be phasing out the hybrid investment options.\n\nSo rather than sitting and waiting to see what the replacement option's gonna be, I wanna be a little bit more proactive to look at alternatives now while it's still valued while producing an income and whatnot. So if you're happy for me to do that, I'd like to do that also. And then the last one in your portfolio is the bottom one, the Van Eck Property ETF unit. Property is taking a bit of a nosedive due to a number of reasons, mainly interest rates at the present moment. So I'd like to look at your property exposure as a whole in the portfolio and see if that's something that we wanna retain in your portfolio moving forward.\n\nYep. Okay. Fantastic. So overall, in the last twelve months, you have had a net return, so that's after phase, of 2.95%. Now the Bennelong Fund itself has turned around and improved...\n\nIs performing positively in the last couple of months so that your next twelve month return is looking much better, but we have you invested as a high growth investor. So what that means is we have 90% of your assets allocated to growth funds, which is shares, listed property, and then 10% to defensive assets such as fixed interest and cash. What that means is one in every five years, you can expect statistically a negative year, and then that variance being between plus or minus 14%. So, you know, in a good year, you could potentially expect a plus of 14%. In a bad year, you could expect the opposite essentially.\n\nAnd that's due to the amount of assets you have in the growth sector. The expected return between a high growth... In a high growth portfolio is between eight to 10% a year, averaged out. So not every year, but averaged out. And a minimum time frame of investment for eight years.\n\nSo what that tells us is is that to withstand the fluctuations within the market, you'd need to be invested in that type of gross... High growth portfolio for at least eight years to, in a bad year, make back the the funds, basically. So given that you're twenty one years away at the moment from being legally able to access your superannuation, you do have time on your side to remain invested in a high growth portfolio should that be something that you are still comfortable with. Yeah? Well, the next document over, if you click next, it just talks a little bit...\n\nI'd use this as a a guide just to understand the risk profile a little bit more. So in the top four there, you'll see US shares, Australian shares, international, and listed property. They're your growth assets. So that's where we would expect to see about 90% of your superannuation invested across those different sectors, and you can see the volatility that those experience. The bottom two being bonds and cash, they're your defensive assets.\n\nSo over the long term, minimal growth, more income producing. So in... As we get to retirement, you see that those gross asset exposures typically decrease, and the income producing ones increase a little bit. So it takes a bit of a a change. So worldwide events, you know, can can cause the market to behave in different ways.\n\nAcross the top of the page there, you'll see different events that have occurred being COVID nineteen, for example. The market took a significant dip, but then also recovered. So understanding that the market does behave differently in different times is something that's important for someone invested in a high growth portfolio. Understanding that there are gonna be negatives and bad times, but you do have time on your side to withstand that if you are comfortable with it. Yeah.\n\nDo you think that maintaining a high growth portfolio is something that you wanna continue with? Yeah. Yep. Okay. What makes you hesitant?\n\nNo. Yep. Yep. That's okay. I only asked hesitant because you said you think so.\n\nSo I just wanted to make sure that there wasn't any concern there or questions that you you might have had. Yeah. Yep. Completely understand. Alright.\n\nThe next document across is your certificate certificate of currency. So this refers to your life and TPD insurance held with Clearview. It's... The certificate certificate of currency means that it is paid and it is enforced. So it is paid until the 07/18/2027.\n\nYour levels of cover are there. Something that I will flag with you once you purchase the house is that Sarah and yourself may want to consider reviewing your life insurance covers and what it is that you want to achieve should one of you pass away, and that might be to repay debt on the house so the remaining partner has a debt free home. So that is something probably to flag for the future that we will need to have a conversation about to make sure that, you know, your wishes and... In place. The next document across is the financial services guide.\n\nWhat this document is is it explains who we are, who I am, who we're licensed through, and that we, more importantly, are licensed with ASIC. It explains the different types of advice we can provide and how we do that, our fee guide, and also importantly, the complaints process should you ever be in a position that you need to do that. The next document across is your ongoing service agreement. So that's the fees that we charge on your superannuation fund. So on the top of the second page, it is estimated to be $3,485.41 per annum.\n\nNow that is then broken down and paid monthly. So for a twelve month period... I mean, monthly, over twelve months, you're looking at $290.45, and that is deducted from your superannuation balance. And it... What it covers is your regular reviews, any changes that I'm gonna recommend post this review, so being those investment changes that we're gonna look at.\n\nIt also doesn't limit you to your regular... In your reviews. If your situation changes or you need further advice, you reach out, make contact with booking a time, and run through that. So you're not limited in any respect. So that's what that fee covers.\n\nSo if you're happy to continue for the next twelve months, that's one form you will need to sign, and you can do that electronically through this. And the last document in that pack is your option to... Well, it's basically the authority to... For us to retain your tax file number. So we do have that on file, and we have that on file from when we established your superannuation fund to ensure that you weren't overtaxed in super.\n\nSo by you signing that form, you acknowledge that we do hold that on file, and you do give us authority to do so. Any questions so far? No. Okay. Mhmm.\n\nYeah. Yep. So in the documents you're in, if you click... There should be an option where you... It says sign here on the third page.\n\nYes. So if you... Yeah. If you jump out and maybe go back in and navigate to those last two pages, there should be the option for you to sign them electronically both through this through this link. Okay.\n\nAlright. Leave that with me. I will get that reissued to you. It might be just a glitch in the background. So what I'll do is if you want, you can delete that email.\n\nI'll get it resent to you once I jump off the phone, And I'll also send through the estate planning brochure and some information on the insurances throughout the day today to use... For you to talk about with Sarah to consider. Of course. What email address would you like to update that to? Mhmm.\n\nOne ten. Yep. Okay. I'm just gonna read this back to you. It is r h y s y one 10@gmail.com.\n\nOkay. So we'll update that on our end. We'll also... If there's any forms to be signed, send those to you to be... To update with Hub and Clearview.\n\nAnd the only other item I just wanted to bring to your attention is at the moment for your life and superannuation fund, you do not have a beneficiary nomination. So what that means is if something was to happen to you, the trustees have full discretion as to where those funds are paid. If you wanted to make a nomination, I can arrange to get those funds sent to you. Yeah. Do you know who you want your beneficiary to be?\n\nSarah? Okay. Alright, Rosalie. And is she at the same address you are, 19 Lynette Avenue? Okay.\n\nJust... If you would... If you want me to prefill the form, yeah, I'll grab her address. Or if you're happy to complete the form when you receive it, you can complete it all then. Yep.\n\nOkay. And then lastly, with the beneficiary nomination, there's two options. There's something called a non lapsing binding and a binding. What it means is that the trustees are bound by your beneficiary nomination, so they can't change it. The non lapsing means exactly that.\n\nIt doesn't lapse until you lodge a new form to update that, whereas a binding means you need to renew it every three years. What would be your preference? Yeah. So you'd need to complete a new form every three years to have a beneficiary updated. We would talk about your beneficiaries every year in your review anyway to make sure that they're accurate and reflect your wishes.\n\nThe non the non lapsing one just means that you don't have to fill out a a new form every three years. If your situation changes, we would then issue a new form for you to be signed. Yep. And on lapping. Perfect.\n\nAlright. Well, we'll get that sent to you as well. Do you have access to a printer to print that and complete, or do you want it posted? Yep. Okay.\n\nThat's alright. We will get that sent to you. Alright. Lovely. So the next steps following this is that I'm going to go away and do some research to build an advice document just to change those investment options that we touched on.\n\nIs... In the next few weeks, I just need to book some time in with you, probably the week starting the October 26 at this stage, to book in maybe forty five minutes or so to just run through that advice document and the investment changes so that I have your authority to make those. Is there any day of the week that works best for you? Yep. Okay.\n\nYep. Yes. Yeah. Yeah. We've had that fixed.\n\nWe got notified by that by a few clients, and we're like, oh. So we rang out our tech people to get that fixed. So, hopefully, that's not happening anymore. Did that happen this morning? Beautiful.\n\nNo. I understand that. I would be exactly the same. So thank you. I think we've rectified that.\n\nBut, yeah, if it does... If if you do ever experience that again, please, like, please feel free to give us that feedback so we can make sure that that is... Doesn't continue to happen. If I'm looking at the week of the twenty sixth, today's a Wednesday, would you like me to book something in around the same time? And if we need to change that, we can?\n\nYes. So Wednesday, the twenty eighth at about... Not even looking the right day. Nine, which is ten your time? Yep.\n\nYeah. Okay. We'll send you a text message. I'll I'll set a text message reminder for the afternoon before to calendar. Alright.\n\nLovely. Fantastic. Well... Yeah. Daylight savings is...\n\nBecause we're in Queensland. Sometimes it takes our brains a little while to adjust, particularly if it was sent just... This is our first week doing it. So I'd say there was probably a little bit of a error there, but thank you. I will let the team know and make sure that that doesn't happen again.\n\nAlright. Fantastic. Well, thanks for your time, Reese. I really do appreciate it, and I look forward to speaking to you in a couple of weeks to talk through those changes. Lovely.\n\nThank you so much. Enjoy your day. Okay. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":2.56,"end":2.96,"sentiment":"neutral","sentiment_score":0.040698111057281494},{"text":"Is this Reece?","start":2.96,"end":3.9399998,"sentiment":"neutral","sentiment_score":0.030141768356164295},{"text":"Reece, this is Jenna Phoning from Oakview Financial.","start":5.3599997,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.11691824160516262},{"text":"How are you today?","start":8.0,"end":8.98,"sentiment":"neutral","sentiment_score":0.20316610485315323},{"text":"I'm well.","start":10.88,"end":11.5199995,"sentiment":"positive","sentiment_score":0.4267451763153076}],"sentiment":"neutral","sentiment_score":0.15181245116723907,"num_words":18,"start":2.56,"end":11.5199995},{"sentences":[{"text":"Thank you.","start":11.5199995,"end":12.34,"sentiment":"positive","sentiment_score":0.5813453793525696},{"text":"Before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes.","start":12.675,"end":18.215,"sentiment":"neutral","sentiment_score":0.050801158120686356},{"text":"Is that okay?","start":18.275,"end":19.175,"sentiment":"neutral","sentiment_score":0.05342664197087288},{"text":"Fantastic.","start":21.315,"end":21.815,"sentiment":"positive","sentiment_score":0.5678732395172119},{"text":"And, Reese, can I please ask you to confirm your full name, date of birth, and address, please?","start":22.115,"end":26.52,"sentiment":"neutral","sentiment_score":0.11615767081578572}],"sentiment":"neutral","sentiment_score":0.11085451037987419,"num_words":46,"start":11.5199995,"end":26.52},{"sentences":[{"text":"Fantastic.","start":33.72,"end":34.22,"sentiment":"positive","sentiment_score":0.6459031105041504},{"text":"Thank you for that.","start":34.44,"end":35.5,"sentiment":"positive","sentiment_score":0.649570882320404},{"text":"To avoid doing the three points of ID each time, did you wanna add a password to your file?","start":36.52,"end":41.1,"sentiment":"neutral","sentiment_score":0.07053830925571292},{"text":"You don't have to.","start":45.495,"end":46.454998,"sentiment":"neutral","sentiment_score":-0.02844144217669964},{"text":"It...","start":46.454998,"end":46.774998,"sentiment":"neutral","sentiment_score":-0.0034582060761749744}],"sentiment":"neutral","sentiment_score":0.15404105313314959,"num_words":29,"start":33.72,"end":46.774998},{"sentences":[{"text":"It's it's...","start":46.774998,"end":47.675,"sentiment":"neutral","sentiment_score":-0.000608605332672596},{"text":"Okay.","start":49.415,"end":49.895,"sentiment":"neutral","sentiment_score":0.09710708260536194},{"text":"That's alright.","start":49.895,"end":50.715,"sentiment":"neutral","sentiment_score":0.11546416953206062},{"text":"Okay.","start":52.055,"end":52.535,"sentiment":"neutral","sentiment_score":0.06863737106323242},{"text":"So the purpose of my call this morning is to run through your scheduled and your review.","start":52.535,"end":57.54,"sentiment":"neutral","sentiment_score":0.05438521416748271}],"sentiment":"neutral","sentiment_score":0.05739148795280768,"num_words":23,"start":46.774998,"end":57.54},{"sentences":[{"text":"Do you have time to do that at the moment?","start":57.54,"end":59.4,"sentiment":"neutral","sentiment_score":0.02048615049570799},{"text":"Lovely.","start":61.22,"end":61.72,"sentiment":"neutral","sentiment_score":0.2297402322292328},{"text":"Okay.","start":62.66,"end":63.16,"sentiment":"neutral","sentiment_score":0.060393281280994415},{"text":"So probably the first thing I'd like to ask before we start is has there been any significant changes to your personal or financial situation since the last review you had?","start":63.22,"end":75.475,"sentiment":"neutral","sentiment_score":-0.02763493076687859},{"text":"Okay.","start":81.454994,"end":81.954994,"sentiment":"neutral","sentiment_score":-0.06565356254577637}],"sentiment":"neutral","sentiment_score":-0.009712304496629671,"num_words":44,"start":57.54,"end":81.954994},{"sentences":[{"text":"To refinance or to buy?","start":82.130005,"end":86.130005,"sentiment":"neutral","sentiment_score":-0.04960620440542698},{"text":"Oh, fantastic.","start":86.130005,"end":86.93,"sentiment":"neutral","sentiment_score":0.23285608738660812},{"text":"How exciting is that?","start":86.93,"end":88.23,"sentiment":"neutral","sentiment_score":0.1983555629849434},{"text":"When are you when are you thinking of buying?","start":90.05,"end":92.47,"sentiment":"neutral","sentiment_score":0.00038520288136270294},{"text":"Okay.","start":97.645004,"end":98.145004,"sentiment":"neutral","sentiment_score":0.020165875554084774}],"sentiment":"neutral","sentiment_score":0.0492731479129621,"num_words":21,"start":82.130005,"end":98.145004},{"sentences":[{"text":"Soon.","start":99.565,"end":99.965004,"sentiment":"neutral","sentiment_score":0.019220011308789253},{"text":"And in and in Victoria where you are?","start":99.965004,"end":102.385,"sentiment":"neutral","sentiment_score":0.018914128420874476},{"text":"That's exciting.","start":104.285,"end":105.105,"sentiment":"positive","sentiment_score":0.368320107460022},{"text":"Oh, that's exciting.","start":106.605,"end":107.565,"sentiment":"positive","sentiment_score":0.4498613278071086},{"text":"Hopefully, it all pans out quickly for you.","start":107.565,"end":110.34,"sentiment":"positive","sentiment_score":0.47625288739800453}],"sentiment":"neutral","sentiment_score":0.2757627425545996,"num_words":22,"start":99.565,"end":110.34},{"sentences":[{"text":"What what price range are you guys looking at?","start":113.46,"end":116.52,"sentiment":"neutral","sentiment_score":0.04327704612579611},{"text":"Yeah.","start":120.259995,"end":120.74,"sentiment":"neutral","sentiment_score":0.14050492644309998},{"text":"Great.","start":120.74,"end":121.24,"sentiment":"positive","sentiment_score":0.4902668297290802},{"text":"Oh, that's exciting.","start":122.42,"end":123.56,"sentiment":"positive","sentiment_score":0.5742384990056356},{"text":"Oh, congratulations.","start":124.5,"end":125.479996,"sentiment":"positive","sentiment_score":0.6624947488307953}],"sentiment":"neutral","sentiment_score":0.25424813537392765,"num_words":16,"start":113.46,"end":125.479996},{"sentences":[{"text":"Something...","start":127.015,"end":127.495,"sentiment":"positive","sentiment_score":0.3693077564239502},{"text":"It's something to look forward to.","start":127.495,"end":130.075,"sentiment":"positive","sentiment_score":0.5515200793743134},{"text":"Alright.","start":132.05501,"end":132.55501,"sentiment":"neutral","sentiment_score":0.2427861988544464},{"text":"So, well, I've just made a note of that.","start":132.77501,"end":134.795,"sentiment":"neutral","sentiment_score":0.2091935229384237},{"text":"But what I might do is just run through a few of the details we hold on file just to make sure that everything we do have is correct and up to date.","start":135.815,"end":145.44,"sentiment":"neutral","sentiment_score":0.022711573620185707}],"sentiment":"neutral","sentiment_score":0.13106876134872436,"num_words":50,"start":127.015,"end":145.44},{"sentences":[{"text":"So I don't actually have anything here recorded for your marital status.","start":146.94,"end":150.8,"sentiment":"neutral","sentiment_score":-0.1363630536943674},{"text":"Do...","start":151.02,"end":151.42,"sentiment":"neutral","sentiment_score":-0.043822430074214935},{"text":"Can you advise what that is?","start":151.42,"end":153.105,"sentiment":"neutral","sentiment_score":-0.04554633547862371},{"text":"Yeah.","start":156.545,"end":156.86499,"sentiment":"neutral","sentiment_score":0.0036547845229506497},{"text":"De facto.","start":156.86499,"end":157.525,"sentiment":"neutral","sentiment_score":0.012573393993079662}],"sentiment":"neutral","sentiment_score":-0.08748434158042073,"num_words":22,"start":146.94,"end":157.525},{"sentences":[{"text":"Okay.","start":157.985,"end":158.485,"sentiment":"neutral","sentiment_score":0.11415576189756392},{"text":"Lovely.","start":159.265,"end":159.765,"sentiment":"neutral","sentiment_score":0.24440595507621765},{"text":"Is it a secret?","start":163.985,"end":164.965,"sentiment":"neutral","sentiment_score":-0.06448186002671719},{"text":"No.","start":167.09,"end":167.59,"sentiment":"negative","sentiment_score":-0.3551713824272156},{"text":"Oh, exciting.","start":170.77,"end":171.51001,"sentiment":"neutral","sentiment_score":0.10680108889937401}],"sentiment":"neutral","sentiment_score":-0.004548325306839413,"num_words":9,"start":157.985,"end":171.51001},{"sentences":[{"text":"Oh, some more exciting 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dependents?","start":230.45999,"end":232.23999,"sentiment":"neutral","sentiment_score":0.032420674072844644},{"text":"No.","start":234.52501,"end":235.02501,"sentiment":"neutral","sentiment_score":-0.04059704765677452}],"sentiment":"neutral","sentiment_score":0.02809980628080666,"num_words":11,"start":223.26,"end":235.02501},{"sentences":[{"text":"Okay.","start":235.32501,"end":235.82501,"sentiment":"neutral","sentiment_score":-0.008616950362920761},{"text":"Now, Reese, I have you here your occupation as a plumber.","start":237.085,"end":241.24501,"sentiment":"neutral","sentiment_score":0.010512845844707706},{"text":"Is that still correct?","start":241.24501,"end":242.38501,"sentiment":"neutral","sentiment_score":0.026717592496424913},{"text":"Yeah.","start":244.045,"end":244.545,"sentiment":"neutral","sentiment_score":0.10381445288658142},{"text":"Fantastic.","start":244.765,"end":245.265,"sentiment":"neutral","sentiment_score":0.26404404640197754}],"sentiment":"neutral","sentiment_score":0.03231962351128459,"num_words":18,"start":235.32501,"end":245.265},{"sentences":[{"text":"And employed full time?","start":246.02,"end":247.72,"sentiment":"neutral","sentiment_score":0.08709786087274551},{"text":"Yeah.","start":249.7,"end":250.2,"sentiment":"neutral","sentiment_score":0.030601687729358673},{"text":"What is your employer's name?","start":250.98,"end":252.68,"sentiment":"neutral","sentiment_score":0.016690756008028985},{"text":"Yeah.","start":255.37999,"end":255.87999,"sentiment":"neutral","sentiment_score":0.019902678206562996},{"text":"Statewide Emergency Plumbing.","start":259.47498,"end":261.495,"sentiment":"neutral","sentiment_score":0.024708143745859463}],"sentiment":"neutral","sentiment_score":0.03974814433604479,"num_words":14,"start":246.02,"end":261.495},{"sentences":[{"text":"And how long have you been been with them for?","start":262.435,"end":265.095,"sentiment":"neutral","sentiment_score":0.005950472690165043},{"text":"Oh, 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in...","start":319.57498,"end":322.535,"sentiment":"neutral","sentiment_score":0.006230006460100412}],"sentiment":"neutral","sentiment_score":0.11791391298174858,"num_words":13,"start":312.28,"end":322.535},{"sentences":[{"text":"At a 114,000.","start":322.535,"end":324.395,"sentiment":"neutral","sentiment_score":-0.0007171753483513991},{"text":"Is that still correct or has that changed?","start":324.455,"end":326.79498,"sentiment":"neutral","sentiment_score":0.0021443304140120745},{"text":"Yep.","start":334.06,"end":334.56,"sentiment":"neutral","sentiment_score":0.011459548026323318},{"text":"Was that was that after your tax deductions or 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have?","start":556.56995,"end":558.26996,"sentiment":"neutral","sentiment_score":0.07662801146507263},{"text":"Yep.","start":560.73,"end":561.23,"sentiment":"neutral","sentiment_score":0.05582694336771965},{"text":"Yep.","start":565.29,"end":565.79,"sentiment":"neutral","sentiment_score":0.04218917340040207}],"sentiment":"neutral","sentiment_score":0.06375106092956331,"num_words":9,"start":553.245,"end":565.79},{"sentences":[{"text":"Is that you and Sarah Tether?","start":566.32996,"end":567.87,"sentiment":"neutral","sentiment_score":0.02457018041362365},{"text":"No.","start":569.815,"end":569.975,"sentiment":"neutral","sentiment_score":-0.12817376852035522},{"text":"Just you.","start":569.975,"end":570.615,"sentiment":"neutral","sentiment_score":-0.09596401080489159},{"text":"And is 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it?","start":1104.665,"end":1106.525,"sentiment":"neutral","sentiment_score":0.08028752143893923},{"text":"Mhmm.","start":1126.5599,"end":1126.995,"sentiment":"neutral","sentiment_score":-0.07011761516332626}],"sentiment":"neutral","sentiment_score":0.17454328845654216,"num_words":35,"start":1093.26,"end":1126.995},{"sentences":[{"text":"Yeah.","start":1130.195,"end":1130.695,"sentiment":"neutral","sentiment_score":0.009494898840785028},{"text":"Yeah.","start":1130.835,"end":1131.075,"sentiment":"neutral","sentiment_score":0.0094137042760849},{"text":"So those rules have changed recently in relation to residential property within self managed super funds.","start":1131.075,"end":1138.295,"sentiment":"neutral","sentiment_score":-0.00634956662543118},{"text":"It's the...","start":1139.51,"end":1140.63,"sentiment":"neutral","sentiment_score":-0.003207786940038204},{"text":"It's more now that you are able to buy commercial properties as opposed to residential 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recently.","start":1148.63,"end":1152.41,"sentiment":"neutral","sentiment_score":-0.0467183275946549},{"text":"So...","start":1153.695,"end":1154.195,"sentiment":"neutral","sentiment_score":-0.02025410160422325},{"text":"Yes.","start":1156.8949,"end":1157.3949,"sentiment":"neutral","sentiment_score":-0.039988256990909576},{"text":"Mhmm.","start":1160.8949,"end":1161.3949,"sentiment":"neutral","sentiment_score":-0.07975766062736511},{"text":"Yep.","start":1166.735,"end":1167.235,"sentiment":"neutral","sentiment_score":0.03507488965988159}],"sentiment":"neutral","sentiment_score":-0.03926849297501824,"num_words":11,"start":1148.63,"end":1167.235},{"sentences":[{"text":"Yep.","start":1168.0149,"end":1168.5149,"sentiment":"neutral","sentiment_score":0.048768650740385056},{"text":"Okay.","start":1169.4401,"end":1169.8401,"sentiment":"neutral","sentiment_score":0.03941374272108078},{"text":"So you would be restricted to a commercial type property.","start":1169.8401,"end":1172.9601,"sentiment":"neutral","sentiment_score":-0.018237686529755593},{"text":"Is that something you're still thinking about?","start":1172.9601,"end":1174.8201,"sentiment":"neutral","sentiment_score":-0.006789317886744227},{"text":"Or...","start":1174.88,"end":1175.38,"sentiment":"neutral","sentiment_score":-0.024279149249196053}],"sentiment":"neutral","sentiment_score":-0.008299942314624786,"num_words":20,"start":1168.0149,"end":1175.38},{"sentences":[{"text":"Yeah.","start":1184.0801,"end":1184.565,"sentiment":"neutral","sentiment_score":-0.03519508242607117},{"text":"Mhmm.","start":1186.8049,"end":1187.3049,"sentiment":"neutral","sentiment_score":-0.00003829691559076309},{"text":"Okay.","start":1187.365,"end":1187.865,"sentiment":"neutral","sentiment_score":0.011487014591693878},{"text":"If we're looking at that, what would be the time frame you'd wanna look at that in?","start":1189.445,"end":1194.105,"sentiment":"neutral","sentiment_score":-0.0033502836218651604},{"text":"Yeah.","start":1206.6599,"end":1207.1599,"sentiment":"neutral","sentiment_score":0.01972092129290104}],"sentiment":"neutral","sentiment_score":-0.0029038221442273687,"num_words":21,"start":1184.0801,"end":1207.1599},{"sentences":[{"text":"It it...","start":1207.7799,"end":1208.1,"sentiment":"neutral","sentiment_score":0.003125560935586691},{"text":"Would it be a goal in, say, for example, two years time to look at it or three?","start":1208.1,"end":1213.395,"sentiment":"neutral","sentiment_score":0.028439269815054204},{"text":"Depending on what you've got going on now with the home, is it something that would be prioritized towards, I don't know, maybe post organizing your residential purchase.","start":1216.575,"end":1228.41,"sentiment":"neutral","sentiment_score":0.0037236842326819897},{"text":"Probably just the time frame of when you think.","start":1230.71,"end":1233.77,"sentiment":"neutral","sentiment_score":0.01462749805715349},{"text":"Two years?","start":1239.11,"end":1239.85,"sentiment":"neutral","sentiment_score":-0.012816729489713907}],"sentiment":"neutral","sentiment_score":0.012346358654105057,"num_words":59,"start":1207.7799,"end":1239.85},{"sentences":[{"text":"Okay.","start":1240.445,"end":1240.945,"sentiment":"neutral","sentiment_score":0.03135690465569496},{"text":"Yep.","start":1242.365,"end":1242.865,"sentiment":"neutral","sentiment_score":0.05135881155729294},{"text":"And cost wise in superannuation, is that something that you think about or is important to you, like, the fees involved and...","start":1243.325,"end":1251.665,"sentiment":"neutral","sentiment_score":0.003198728473349051},{"text":"Or is it returns that you're more more after?","start":1253.805,"end":1259.96,"sentiment":"neutral","sentiment_score":-0.029873611819412973},{"text":"Yep.","start":1264.26,"end":1264.76,"sentiment":"neutral","sentiment_score":0.057920970022678375}],"sentiment":"neutral","sentiment_score":-0.0017015821683932753,"num_words":34,"start":1240.445,"end":1264.76},{"sentences":[{"text":"Yep.","start":1264.82,"end":1265.32,"sentiment":"neutral","sentiment_score":0.03617703542113304},{"text":"Okay.","start":1266.74,"end":1267.24,"sentiment":"neutral","sentiment_score":-0.05822325870394707},{"text":"The reason why I ask is a self managed super fund typically is significantly more expensive than the type of arrangement you have now, especially when you take property into consideration.","start":1269.745,"end":1281.365,"sentiment":"neutral","sentiment_score":-0.289131595242408},{"text":"So I do ask that for a reason.","start":1282.86,"end":1284.9601,"sentiment":"neutral","sentiment_score":-0.14476402290165424},{"text":"Okay.","start":1287.02,"end":1287.52,"sentiment":"neutral","sentiment_score":0.009938433766365051}],"sentiment":"neutral","sentiment_score":-0.24126903393438884,"num_words":42,"start":1264.82,"end":1287.52},{"sentences":[{"text":"So you're not overly fee conscious.","start":1287.9,"end":1289.68,"sentiment":"neutral","sentiment_score":-0.10328425218661626},{"text":"It's more what's gonna potentially...","start":1290.06,"end":1294.24,"sentiment":"neutral","sentiment_score":-0.13223497122526168},{"text":"Yep.","start":1295.5801,"end":1295.865,"sentiment":"neutral","sentiment_score":-0.021589692682027817},{"text":"Mhmm.","start":1297.385,"end":1297.885,"sentiment":"neutral","sentiment_score":-0.08223716914653778},{"text":"Yeah.","start":1300.425,"end":1300.925,"sentiment":"neutral","sentiment_score":-0.048348695039749146}],"sentiment":"neutral","sentiment_score":-0.10236113757959434,"num_words":14,"start":1287.9,"end":1300.925},{"sentences":[{"text":"Yep.","start":1302.665,"end":1303.165,"sentiment":"neutral","sentiment_score":-0.0545794740319252},{"text":"Yeah.","start":1320.08,"end":1320.3999,"sentiment":"neutral","sentiment_score":0.026648199185729027},{"text":"Okay.","start":1320.3999,"end":1320.8999,"sentiment":"neutral","sentiment_score":0.02997356466948986},{"text":"Okay.","start":1331.255,"end":1331.755,"sentiment":"neutral","sentiment_score":0.07002954930067062},{"text":"Alright.","start":1331.9751,"end":1332.4751,"sentiment":"neutral","sentiment_score":0.13827180862426758}],"sentiment":"neutral","sentiment_score":0.042068729549646376,"num_words":5,"start":1302.665,"end":1332.4751},{"sentences":[{"text":"Alright.","start":1333.175,"end":1333.5751,"sentiment":"neutral","sentiment_score":0.14157626032829285},{"text":"Leave that one with me.","start":1333.5751,"end":1334.535,"sentiment":"neutral","sentiment_score":0.12822282165288926},{"text":"I'll have a look at that.","start":1334.535,"end":1335.995,"sentiment":"neutral","sentiment_score":0.18064854045708975},{"text":"And then with estate planning, I'm just gonna mention, it's probably something that yourself and Sarah do need to look at.","start":1336.42,"end":1345.08,"sentiment":"neutral","sentiment_score":0.12603826111271269},{"text":"Particularly, like, looking at your net wealth individually, you've got some significant net wealth there even outside of your potential house purchase in the future.","start":1345.3,"end":1358.345,"sentiment":"neutral","sentiment_score":0.131756255030632}],"sentiment":"neutral","sentiment_score":0.13460847362875938,"num_words":58,"start":1333.175,"end":1358.345},{"sentences":[{"text":"If something was to happen to you, there's no legal document in place directing where you want your assets to be transferred or paid to.","start":1359.445,"end":1371.53,"sentiment":"neutral","sentiment_score":-0.02203128978610039},{"text":"Without that, it goes through, basically, the public trustees to make those decisions, and it can be a drawn out process.","start":1372.79,"end":1380.405,"sentiment":"neutral","sentiment_score":-0.00490348892552512},{"text":"So if Sarah has somewhat of a similar situation to yourself, it is probably worth looking into getting a will, drawn up.","start":1380.405,"end":1389.0651,"sentiment":"neutral","sentiment_score":0.026859113438562912},{"text":"Additionally, a power of attorney, which allows someone to make, you appoint someone to make financial and health decisions on your behalf should you be unable to do so, so if you're incapacitated in any way.","start":1389.48,"end":1402.78,"sentiment":"neutral","sentiment_score":0.03594359952128596},{"text":"So that's probably something you should both definitely look out.","start":1405.665,"end":1408.5651,"sentiment":"neutral","sentiment_score":0.1356661781668663}],"sentiment":"neutral","sentiment_score":0.022699792526270215,"num_words":114,"start":1359.445,"end":1408.5651},{"sentences":[{"text":"I can send you through a brochure for someone that we work with.","start":1410.145,"end":1413.2051,"sentiment":"neutral","sentiment_score":0.24173144423044646},{"text":"Cost wise, very reasonable considering some of the ones I've seen in the past.","start":1414.545,"end":1420.02,"sentiment":"positive","sentiment_score":0.34363620834691183},{"text":"So I can send that through to you if you like.","start":1420.08,"end":1422.26,"sentiment":"neutral","sentiment_score":0.139706552028656},{"text":"Yeah.","start":1423.9199,"end":1424.4199,"sentiment":"neutral","sentiment_score":0.19424894452095032},{"text":"Okay.","start":1424.96,"end":1425.46,"sentiment":"neutral","sentiment_score":0.06311556696891785}],"sentiment":"neutral","sentiment_score":0.24368880689144135,"num_words":40,"start":1410.145,"end":1425.46},{"sentences":[{"text":"And then...","start":1426.08,"end":1426.9,"sentiment":"neutral","sentiment_score":0.0267251031473279},{"text":"Okay.","start":1427.28,"end":1427.78,"sentiment":"neutral","sentiment_score":0.017298806458711624},{"text":"Sorry.","start":1430.745,"end":1431.0651,"sentiment":"neutral","sentiment_score":-0.03334414213895798},{"text":"Just writing that down.","start":1431.0651,"end":1431.9451,"sentiment":"neutral","sentiment_score":-0.03480623383074999},{"text":"This is one of my little action items to do.","start":1431.9451,"end":1434.285,"sentiment":"neutral","sentiment_score":0.05813497677445412}],"sentiment":"neutral","sentiment_score":0.026640539057552814,"num_words":18,"start":1426.08,"end":1434.285},{"sentences":[{"text":"What I'm going to do now is...","start":1434.585,"end":1436.745,"sentiment":"neutral","sentiment_score":0.021596697691295828},{"text":"Do you have access to your emails at all?","start":1436.745,"end":1439.085,"sentiment":"neutral","sentiment_score":-0.010567123484280374},{"text":"Yeah?","start":1441.145,"end":1441.645,"sentiment":"neutral","sentiment_score":0.07368756830692291},{"text":"I am going to send you an email.","start":1442.345,"end":1445.005,"sentiment":"neutral","sentiment_score":0.1546794641762972},{"text":"It is gonna have your annual review documents within them, and we're just gonna talk through those.","start":1446.66,"end":1454.5801,"sentiment":"neutral","sentiment_score":0.13057043589651585}],"sentiment":"neutral","sentiment_score":0.0854022253437766,"num_words":42,"start":1434.585,"end":1454.5801},{"sentences":[{"text":"When you do receive it, you will need to open it and click the button that says sign here or click here to complete.","start":1454.5801,"end":1463.335,"sentiment":"neutral","sentiment_score":0.03897886311945816},{"text":"You're not signing anything at the moment.","start":1463.5549,"end":1465.1549,"sentiment":"neutral","sentiment_score":-0.19613743254116603},{"text":"We're simply just gonna talk through those documents in relation to your review and discuss any key areas.","start":1465.1549,"end":1475.45,"sentiment":"neutral","sentiment_score":0.016105703595611785},{"text":"So when you have that open, can you please let me know?","start":1475.83,"end":1479.21,"sentiment":"neutral","sentiment_score":0.02431308338418603},{"text":"It should come from Odusign or Jenna Wheeler Odusign.","start":1486.055,"end":1489.915,"sentiment":"neutral","sentiment_score":0.04593141356276141}],"sentiment":"neutral","sentiment_score":0.007965329635356153,"num_words":70,"start":1454.5801,"end":1489.915},{"sentences":[{"text":"Beautiful.","start":1493.5751,"end":1494.0751,"sentiment":"positive","sentiment_score":0.6394352912902832},{"text":"So the first document you should be seeing is the summary of super and insurance.","start":1494.8551,"end":1500.24,"sentiment":"neutral","sentiment_score":0.2952030489842097},{"text":"So what this is is a summary page of where your situation's at.","start":1501.1,"end":1505.6799,"sentiment":"neutral","sentiment_score":0.14573645534423682},{"text":"Currently, your super is held within hub 24 with an approximate balance of 201,414, and you have life and TPD insurance of 326,197.","start":1505.82,"end":1519.685,"sentiment":"neutral","sentiment_score":0.07678344052122987},{"text":"That premium is funded through HUB24, your super balance, and it's $425.65 a year.","start":1520.0651,"end":1528.82,"sentiment":"neutral","sentiment_score":0.06990437801661235}],"sentiment":"neutral","sentiment_score":0.14707174802650558,"num_words":66,"start":1493.5751,"end":1528.82},{"sentences":[{"text":"Now looking at your insurance, you don't have income protection or trauma insurance.","start":1529.6,"end":1534.66,"sentiment":"neutral","sentiment_score":-0.1283709085904635},{"text":"Have they been explained to you in the past?","start":1534.7999,"end":1537.46,"sentiment":"neutral","sentiment_score":-0.040604438425766096},{"text":"Mhmm.","start":1540.72,"end":1541.175,"sentiment":"neutral","sentiment_score":-0.06539082527160645},{"text":"Yep.","start":1551.8151,"end":1552.3151,"sentiment":"neutral","sentiment_score":-0.019790053367614743},{"text":"Mhmm.","start":1567.67,"end":1568.17,"sentiment":"neutral","sentiment_score":-0.12820157408714294}],"sentiment":"neutral","sentiment_score":-0.08990576840937138,"num_words":25,"start":1529.6,"end":1568.17},{"sentences":[{"text":"Mhmm.","start":1575.085,"end":1575.585,"sentiment":"neutral","sentiment_score":-0.07198208570480347},{"text":"Okay.","start":1580.765,"end":1581.265,"sentiment":"neutral","sentiment_score":-0.05670928582549095},{"text":"Given that you're looking at purchasing a home, if something was to happen to you injury or illness wise...","start":1582.32,"end":1590.42,"sentiment":"neutral","sentiment_score":-0.1070920287778503},{"text":"I mean, you've got the accident policy, which is is...","start":1592.5599,"end":1596.0549,"sentiment":"neutral","sentiment_score":-0.065543157979846},{"text":"Sounds like a general type insurance product.","start":1596.0549,"end":1598.315,"sentiment":"neutral","sentiment_score":-0.1104405288185392}],"sentiment":"neutral","sentiment_score":-0.09452513683783381,"num_words":38,"start":1575.085,"end":1598.315},{"sentences":[{"text":"It...","start":1600.375,"end":1600.875,"sentiment":"neutral","sentiment_score":-0.04978960379958153},{"text":"It's it's something at least.","start":1604.215,"end":1606.475,"sentiment":"neutral","sentiment_score":-0.11877984255552292},{"text":"But if you are unable to work due to injury or illness, you'd have no source of income.","start":1606.71,"end":1611.99,"sentiment":"neutral","sentiment_score":-0.20134087196654743},{"text":"So income protection is something I would probably suggest looking at.","start":1611.99,"end":1616.57,"sentiment":"neutral","sentiment_score":-0.14684489166194742},{"text":"Premiums, we can definitely look at.","start":1617.11,"end":1620.1499,"sentiment":"neutral","sentiment_score":-0.011040465285380682}],"sentiment":"neutral","sentiment_score":-0.1451063685846038,"num_words":41,"start":1600.375,"end":1620.1499},{"sentences":[{"text":"And premiums are, for example, they will vary depending on the terms of the policy that you have.","start":1620.1499,"end":1628.485,"sentiment":"neutral","sentiment_score":-0.037466192100611},{"text":"So there's something called a waiting period, which is the number of days you need to wait before you're eligible to be paid from a claim.","start":1628.485,"end":1636.105,"sentiment":"neutral","sentiment_score":-0.018110699808368318},{"text":"So they vary from thirty days to sixty days to ninety days.","start":1636.25,"end":1640.1901,"sentiment":"neutral","sentiment_score":0.01126835991938909},{"text":"Looking at your cash reserves and assets, you know, you have funds available to you to have a longer waiting period to make the premium more affordable, should that be something that you want to look at.","start":1640.81,"end":1656.545,"sentiment":"neutral","sentiment_score":0.03308592399431241},{"text":"The other thing that impacts the premium is what we call a benefit period.","start":1656.545,"end":1660.0651,"sentiment":"neutral","sentiment_score":-0.08072105662098952}],"sentiment":"neutral","sentiment_score":-0.008560419987852329,"num_words":107,"start":1620.1499,"end":1660.0651},{"sentences":[{"text":"So that goes from two years to five years to eight sixty five and varies amongst different companies.","start":1660.0651,"end":1666.885,"sentiment":"neutral","sentiment_score":-0.05254557294150194},{"text":"And what that means is depending on the severity of your injury or illness, it's the maximum term you can be paid for that particular injury or illness.","start":1667.66,"end":1676.14,"sentiment":"neutral","sentiment_score":-0.13964960191931045},{"text":"So that also does impact the premium, but I would strongly recommend given the fact that you're looking at purchasing a home.","start":1676.14,"end":1689.255,"sentiment":"neutral","sentiment_score":-0.10890376635573128},{"text":"If you are unable to pay that mortgage, that's gonna put financial strain on you and Sarah.","start":1689.7949,"end":1695.735,"sentiment":"negative","sentiment_score":-0.7165300670792075},{"text":"We can at least look at it at the cost of it.","start":1697.06,"end":1699.96,"sentiment":"negative","sentiment_score":-0.3627192626396815}],"sentiment":"neutral","sentiment_score":-0.24521169400553114,"num_words":97,"start":1660.0651,"end":1699.96},{"sentences":[{"text":"What you can do is cover up to 70% of your taxable income, so it'd be 70% of the 96,000.","start":1700.1,"end":1705.4,"sentiment":"neutral","sentiment_score":-0.03998134974390268},{"text":"So it's not gonna cover everything, but it's designed to help cover the essentials.","start":1705.9401,"end":1712.245,"sentiment":"neutral","sentiment_score":0.07967788047556366},{"text":"Is that something you want me to look at for you?","start":1712.865,"end":1715.4451,"sentiment":"neutral","sentiment_score":0.05065243962136182},{"text":"Mhmm.","start":1720.7051,"end":1721.2051,"sentiment":"neutral","sentiment_score":-0.14607661962509155},{"text":"Mhmm.","start":1722.865,"end":1723.365,"sentiment":"neutral","sentiment_score":-0.16191130876541138}],"sentiment":"neutral","sentiment_score":0.01202238806860244,"num_words":47,"start":1700.1,"end":1723.365},{"sentences":[{"text":"Mhmm.","start":1723.44,"end":1723.94,"sentiment":"neutral","sentiment_score":-0.1468902826309204},{"text":"Okay.","start":1729.7024,"end":1730.2024,"sentiment":"neutral","sentiment_score":-0.17659716308116913},{"text":"Alright.","start":1736.205,"end":1736.365,"sentiment":"neutral","sentiment_score":0.007025051862001419},{"text":"Let's visit that in a second.","start":1736.365,"end":1739.085,"sentiment":"neutral","sentiment_score":0.042973604053258896},{"text":"I'll ask some more questions about that in a second.","start":1739.085,"end":1741.505,"sentiment":"neutral","sentiment_score":0.04634847082197666}],"sentiment":"neutral","sentiment_score":0.021308628352064835,"num_words":19,"start":1723.44,"end":1741.505},{"sentences":[{"text":"The...","start":1743.645,"end":1744.145,"sentiment":"neutral","sentiment_score":0.0030752047896385193},{"text":"I'm assuming that's to do with lifestyle questions that you would...","start":1744.765,"end":1750.225,"sentiment":"neutral","sentiment_score":0.028545565479858356},{"text":"Yeah.","start":1750.9701,"end":1751.4701,"sentiment":"neutral","sentiment_score":-0.007907403632998466},{"text":"Yeah.","start":1758.01,"end":1758.51,"sentiment":"neutral","sentiment_score":-0.03722003474831581},{"text":"Yeah.","start":1759.77,"end":1760.27,"sentiment":"neutral","sentiment_score":-0.09479476511478424}],"sentiment":"neutral","sentiment_score":0.011810281438132127,"num_words":15,"start":1743.645,"end":1760.27},{"sentences":[{"text":"Yeah.","start":1761.53,"end":1761.77,"sentiment":"neutral","sentiment_score":-0.05883002653717995},{"text":"Yeah.","start":1761.77,"end":1762.27,"sentiment":"neutral","sentiment_score":-0.08996550738811493},{"text":"So typically, what would happen in that scenario is not necessarily a increase in premium.","start":1762.3301,"end":1768.7849,"sentiment":"neutral","sentiment_score":-0.2508425325155258},{"text":"It's more likely to have an exclusion for that type of thing.","start":1768.7849,"end":1772.065,"sentiment":"neutral","sentiment_score":-0.32500040034453076},{"text":"So what I'll do is I might touch on that in a little bit in a little bit further detail.","start":1772.065,"end":1776.565,"sentiment":"neutral","sentiment_score":0.023894730675965547}],"sentiment":"neutral","sentiment_score":-0.14966415739333144,"num_words":49,"start":1761.53,"end":1776.565},{"sentences":[{"text":"And, again, we don't have to look at it.","start":1777.01,"end":1779.65,"sentiment":"neutral","sentiment_score":-0.006101821756197346},{"text":"It's just I need to provide you with the information so you can consider it at least.","start":1779.65,"end":1785.1901,"sentiment":"neutral","sentiment_score":0.06441178205696975},{"text":"And then the other type of policy is trauma.","start":1786.6101,"end":1788.77,"sentiment":"neutral","sentiment_score":0.010818902610076798},{"text":"So what that is is it's a lump sum benefit that's paid tax free.","start":1788.77,"end":1793.505,"sentiment":"neutral","sentiment_score":0.0904645738857133},{"text":"The premium is paid from your personal cash flow.","start":1793.505,"end":1796.565,"sentiment":"neutral","sentiment_score":0.07390743535425928}],"sentiment":"neutral","sentiment_score":0.052915947848995185,"num_words":58,"start":1777.01,"end":1796.565},{"sentences":[{"text":"If you're diagnosed with a insurable event, so they range from different types of cancer, heart attack, stroke, and they're designed to kind of be a stop gap between your income protection and returning to work.","start":1796.865,"end":1812.35,"sentiment":"neutral","sentiment_score":0.05880291162369152},{"text":"Typically, some funds there to cover out of pocket medical expenses and a little bit of a recuperation period.","start":1813.0499,"end":1818.59,"sentiment":"neutral","sentiment_score":0.018601001877533763},{"text":"Is that something you'd wanna look into?","start":1818.965,"end":1826.3131,"sentiment":"neutral","sentiment_score":0.04019170121422836},{"text":"Yep.","start":1827.4451,"end":1827.9451,"sentiment":"neutral","sentiment_score":0.06231216713786125},{"text":"Yep.","start":1828.245,"end":1828.725,"sentiment":"neutral","sentiment_score":0.0905940979719162}],"sentiment":"neutral","sentiment_score":0.045383937933365814,"num_words":64,"start":1796.865,"end":1828.725},{"sentences":[{"text":"I can send you some information on that with the estate planning brochure too.","start":1828.725,"end":1834.74,"sentiment":"neutral","sentiment_score":0.12632328431521142},{"text":"Yep.","start":1839.86,"end":1840.36,"sentiment":"neutral","sentiment_score":0.03734525665640831},{"text":"Yep.","start":1840.82,"end":1841.32,"sentiment":"neutral","sentiment_score":0.03264492005109787},{"text":"Absolutely.","start":1844.58,"end":1845.08,"sentiment":"positive","sentiment_score":0.404513955116272},{"text":"I can do that.","start":1845.22,"end":1846.12,"sentiment":"positive","sentiment_score":0.4033677354454994}],"sentiment":"neutral","sentiment_score":0.18364290733422553,"num_words":21,"start":1828.725,"end":1846.12},{"sentences":[{"text":"Absolutely.","start":1846.42,"end":1846.92,"sentiment":"neutral","sentiment_score":0.32090848684310913},{"text":"Alright.","start":1847.745,"end":1848.245,"sentiment":"neutral","sentiment_score":0.15257343649864197},{"text":"The next document in that pack is your performance report with Hub.","start":1849.025,"end":1852.885,"sentiment":"neutral","sentiment_score":0.0494417172546188},{"text":"The first thing that we'll talk about is that top fund there being the Bannalong Australian Equities Fund.","start":1853.345,"end":1859.185,"sentiment":"neutral","sentiment_score":-0.007372166004238857},{"text":"You'll see that over the last twelve months, it's significantly underperformed.","start":1859.185,"end":1863.74,"sentiment":"neutral","sentiment_score":-0.26662409356371924}],"sentiment":"neutral","sentiment_score":-0.04648329039255893,"num_words":43,"start":1846.42,"end":1863.74},{"sentences":[{"text":"No.","start":1869.56,"end":1870.06,"sentiment":"neutral","sentiment_score":-0.11836041510105132},{"text":"That's okay.","start":1870.4401,"end":1871.26,"sentiment":"neutral","sentiment_score":-0.05241113528609276},{"text":"Yep.","start":1873.16,"end":1873.66,"sentiment":"neutral","sentiment_score":-0.005360571667551994},{"text":"So the next...","start":1873.815,"end":1874.5349,"sentiment":"neutral","sentiment_score":-0.008434006944298744},{"text":"So this is your performance with your superannuation over the last twelve months.","start":1874.5349,"end":1878.695,"sentiment":"neutral","sentiment_score":-0.009340540434305485}],"sentiment":"neutral","sentiment_score":-0.018763615190982817,"num_words":20,"start":1869.56,"end":1878.695},{"sentences":[{"text":"Now that first fund at the top there investment option is the Bennelong Australian Equities Fund.","start":1878.695,"end":1883.115,"sentiment":"neutral","sentiment_score":0.029196375631727278},{"text":"Had a a rather poor performance in the last twelve months.","start":1883.8949,"end":1887.15,"sentiment":"negative","sentiment_score":-0.5207269896160472},{"text":"The reason being is that each different investment manager has different mandates or philosophies, and then along Australian Equities Fund is to, best way to explain this, source Australian companies within the share market that they believe are undervalued for potential future growth.","start":1887.7101,"end":1911.155,"sentiment":"neutral","sentiment_score":-0.15825668852343117},{"text":"In the last twelve months, it's really been the financials and the resources that performed, leaving Bennelong's investment philosophy to not be as fruitful as it has in previous years.","start":1911.775,"end":1924.9199,"sentiment":"neutral","sentiment_score":-0.3072584075232347},{"text":"So given that, as a company, we have reviewed that along for our clients.","start":1925.22,"end":1932.225,"sentiment":"neutral","sentiment_score":0.051717537854399}],"sentiment":"neutral","sentiment_score":-0.1803473612097533,"num_words":114,"start":1878.695,"end":1932.225},{"sentences":[{"text":"And at the moment, we're looking at alternatives for clients for replacements.","start":1932.225,"end":1937.365,"sentiment":"neutral","sentiment_score":0.10218040893475215},{"text":"Is that something that you're happy for me to look out for you?","start":1937.4249,"end":1940.245,"sentiment":"neutral","sentiment_score":0.26457587342995864},{"text":"Yeah?","start":1942.385,"end":1942.885,"sentiment":"neutral","sentiment_score":0.1889037489891052},{"text":"Lovely.","start":1943.0249,"end":1943.5249,"sentiment":"positive","sentiment_score":0.5043255090713501},{"text":"The other one...","start":1944.01,"end":1944.8099,"sentiment":"neutral","sentiment_score":0.17325137058893839}],"sentiment":"neutral","sentiment_score":0.19595448772112528,"num_words":30,"start":1932.225,"end":1944.8099},{"sentences":[{"text":"There's two others in your portfolio that I do wanna have a look at as well.","start":1944.8099,"end":1948.01,"sentiment":"neutral","sentiment_score":0.1323570879176259},{"text":"The second one down being the beta bank hybrids.","start":1948.01,"end":1950.4299,"sentiment":"neutral","sentiment_score":0.07390149558583896},{"text":"There's nothing fundamentally wrong with that investment option.","start":1951.53,"end":1954.65,"sentiment":"neutral","sentiment_score":0.08620073273777962},{"text":"There's just some changes in the market coming.","start":1954.65,"end":1956.65,"sentiment":"neutral","sentiment_score":0.027938287239521742},{"text":"So from January 2027, the Australian banking system's gonna be phasing out the hybrid investment options.","start":1956.65,"end":1962.8151,"sentiment":"neutral","sentiment_score":0.02821604209020734}],"sentiment":"neutral","sentiment_score":0.07276132807397005,"num_words":57,"start":1944.8099,"end":1962.8151},{"sentences":[{"text":"So rather than sitting and waiting to see what the replacement option's gonna be, I wanna be a little bit more proactive to look at alternatives now while it's still valued while producing an income and whatnot.","start":1963.3551,"end":1977.88,"sentiment":"neutral","sentiment_score":0.17559356604878967},{"text":"So if you're happy for me to do that, I'd like to do that also.","start":1977.88,"end":1980.62,"sentiment":"positive","sentiment_score":0.33335321247577665},{"text":"And then the last one in your portfolio is the bottom one, the Van Eck Property ETF unit.","start":1982.84,"end":1987.5,"sentiment":"neutral","sentiment_score":0.07428097310993406},{"text":"Property is taking a bit of a nosedive due to a number of reasons, mainly interest rates at the present moment.","start":1987.875,"end":1994.215,"sentiment":"neutral","sentiment_score":-0.07686023245609942},{"text":"So I'd like to look at your property exposure as a whole in the portfolio and see if that's something that we wanna retain in your portfolio moving forward.","start":1994.835,"end":2003.85,"sentiment":"neutral","sentiment_score":0.09107324069943921}],"sentiment":"neutral","sentiment_score":0.11551147288021942,"num_words":120,"start":1963.3551,"end":2003.85},{"sentences":[{"text":"Yep.","start":2005.59,"end":2006.0701,"sentiment":"neutral","sentiment_score":0.12863563001155853},{"text":"Okay.","start":2006.0701,"end":2006.55,"sentiment":"neutral","sentiment_score":0.31356024742126465},{"text":"Fantastic.","start":2006.55,"end":2007.05,"sentiment":"positive","sentiment_score":0.5746960639953613},{"text":"So overall, in the last twelve months, you have had a net return, so that's after phase, of 2.95%.","start":2007.75,"end":2016.5701,"sentiment":"positive","sentiment_score":0.36233588661018173},{"text":"Now the Bennelong Fund itself has turned around and improved...","start":2017.5951,"end":2024.655,"sentiment":"positive","sentiment_score":0.46470687389373777}],"sentiment":"positive","sentiment_score":0.3921357039362192,"num_words":32,"start":2005.59,"end":2024.655},{"sentences":[{"text":"Is performing positively in the last couple of months so that your next twelve month return is looking much better, but we have you invested as a high growth investor.","start":2025.355,"end":2037.38,"sentiment":"positive","sentiment_score":0.4856953710317612},{"text":"So what that means is we have 90% of your assets allocated to growth funds, which is shares, listed property, and then 10% to defensive assets such as fixed interest and cash.","start":2037.38,"end":2052.125,"sentiment":"neutral","sentiment_score":0.24121777107939124},{"text":"What that means is one in every five years, you can expect statistically a negative year, and then that variance being between plus or minus 14%.","start":2053.145,"end":2065.1902,"sentiment":"negative","sentiment_score":-0.387915890950423},{"text":"So, you know, in a good year, you could potentially expect a plus of 14%.","start":2065.4102,"end":2070.77,"sentiment":"neutral","sentiment_score":-0.22292502025763195},{"text":"In a bad year, you could expect the opposite essentially.","start":2070.77,"end":2074.55,"sentiment":"negative","sentiment_score":-0.5341991066932679}],"sentiment":"neutral","sentiment_score":0.031134073185709727,"num_words":113,"start":2025.355,"end":2074.55},{"sentences":[{"text":"And that's due to the amount of assets you have in the growth sector.","start":2075.175,"end":2080.155,"sentiment":"neutral","sentiment_score":-0.12357442559940475},{"text":"The expected return between a high growth...","start":2080.7751,"end":2083.435,"sentiment":"neutral","sentiment_score":-0.037927652043955665},{"text":"In a high growth portfolio is between eight to 10% a year, averaged out.","start":2083.895,"end":2087.975,"sentiment":"neutral","sentiment_score":0.011798497555511338},{"text":"So not every year, but averaged out.","start":2087.975,"end":2090.315,"sentiment":"neutral","sentiment_score":-0.0585507122533662},{"text":"And a minimum time frame of investment for eight years.","start":2091.1199,"end":2094.64,"sentiment":"neutral","sentiment_score":-0.02728247195482254}],"sentiment":"neutral","sentiment_score":-0.04832762042776896,"num_words":52,"start":2075.175,"end":2094.64},{"sentences":[{"text":"So what that tells us is is that to withstand the fluctuations within the market, you'd need to be invested in that type of gross...","start":2094.64,"end":2105.695,"sentiment":"neutral","sentiment_score":-0.046439254581928255},{"text":"High growth portfolio for at least eight years to, in a bad year, make back the the funds, basically.","start":2105.7551,"end":2112.575,"sentiment":"neutral","sentiment_score":-0.0872601643204689},{"text":"So given that you're twenty one years away at the moment from being legally able to access your superannuation, you do have time on your side to remain invested in a high growth portfolio should that be something that you are still comfortable with.","start":2113.195,"end":2128.5,"sentiment":"neutral","sentiment_score":-0.009488887957889925},{"text":"Yeah?","start":2130.6401,"end":2131.1401,"sentiment":"neutral","sentiment_score":0.061340488493442535},{"text":"Well, the next document over, if you click next, it just talks a little bit...","start":2131.475,"end":2136.7551,"sentiment":"neutral","sentiment_score":0.02680957466363907}],"sentiment":"neutral","sentiment_score":-0.026662994695540804,"num_words":104,"start":2094.64,"end":2136.7551},{"sentences":[{"text":"I'd use this as a a guide just to understand the risk profile a little bit more.","start":2136.7551,"end":2144.64,"sentiment":"neutral","sentiment_score":-0.014797869083635947},{"text":"So in the top four there, you'll see US shares, Australian shares, international, and listed property.","start":2145.0398,"end":2150.26,"sentiment":"neutral","sentiment_score":0.055968062253668904},{"text":"They're your growth assets.","start":2150.88,"end":2152.0,"sentiment":"neutral","sentiment_score":0.09356525912880898},{"text":"So that's where we would expect to see about 90% of your superannuation invested across those different sectors, and you can see the volatility that those experience.","start":2152.0,"end":2162.135,"sentiment":"neutral","sentiment_score":0.051638731801951374},{"text":"The bottom two being bonds and cash, they're your defensive assets.","start":2162.915,"end":2167.075,"sentiment":"neutral","sentiment_score":0.08224316212263974}],"sentiment":"neutral","sentiment_score":0.04422809066871802,"num_words":75,"start":2136.7551,"end":2167.075},{"sentences":[{"text":"So over the long term, minimal growth, more income producing.","start":2167.075,"end":2170.695,"sentiment":"neutral","sentiment_score":0.09571588933467864},{"text":"So in...","start":2171.715,"end":2172.435,"sentiment":"neutral","sentiment_score":0.0029014190658926964},{"text":"As we get to retirement, you see that those gross asset exposures typically decrease, and the income producing ones increase a little bit.","start":2172.435,"end":2181.29,"sentiment":"neutral","sentiment_score":-0.09738170128801595},{"text":"So it takes a bit of a a change.","start":2181.29,"end":2183.71,"sentiment":"neutral","sentiment_score":-0.1447056465678745},{"text":"So worldwide events, you know, can can cause the market to behave in different ways.","start":2187.21,"end":2193.055,"sentiment":"neutral","sentiment_score":-0.18410102675358456}],"sentiment":"neutral","sentiment_score":-0.09052006133153277,"num_words":59,"start":2167.075,"end":2193.055},{"sentences":[{"text":"Across the top of the page there, you'll see different events that have occurred being COVID nineteen, for example.","start":2194.075,"end":2201.375,"sentiment":"neutral","sentiment_score":0.018937054041184877},{"text":"The market took a significant dip, but then also recovered.","start":2201.595,"end":2206.45,"sentiment":"neutral","sentiment_score":-0.0878590315580368},{"text":"So understanding that the market does behave differently in different times is something that's important for someone invested in a high growth portfolio.","start":2206.8298,"end":2218.8499,"sentiment":"neutral","sentiment_score":0.05656093067449072},{"text":"Understanding that there are gonna be negatives and bad times, but you do have time on your side to withstand that if you are comfortable with it.","start":2219.3098,"end":2229.095,"sentiment":"neutral","sentiment_score":-0.1049482140828062},{"text":"Yeah.","start":2230.835,"end":2231.335,"sentiment":"neutral","sentiment_score":0.2853805720806122}],"sentiment":"neutral","sentiment_score":-0.02207632614299655,"num_words":80,"start":2194.075,"end":2231.335},{"sentences":[{"text":"Do you think that maintaining a high growth portfolio is something that you wanna continue with?","start":2231.395,"end":2236.8699,"sentiment":"positive","sentiment_score":0.4298713877797127},{"text":"Yeah.","start":2240.13,"end":2240.63,"sentiment":"neutral","sentiment_score":0.0950167179107666},{"text":"Yep.","start":2241.57,"end":2242.07,"sentiment":"neutral","sentiment_score":0.06461349129676819},{"text":"Okay.","start":2242.45,"end":2242.95,"sentiment":"neutral","sentiment_score":-0.008870843797922134},{"text":"What makes you hesitant?","start":2244.385,"end":2246.5652,"sentiment":"neutral","sentiment_score":-0.18828017637133598}],"sentiment":"neutral","sentiment_score":0.2728513419304205,"num_words":23,"start":2231.395,"end":2246.5652},{"sentences":[{"text":"No.","start":2249.5852,"end":2250.0852,"sentiment":"neutral","sentiment_score":-0.22873032093048096},{"text":"Yep.","start":2254.625,"end":2255.125,"sentiment":"neutral","sentiment_score":-0.16308212280273438},{"text":"Yep.","start":2259.0251,"end":2259.39,"sentiment":"neutral","sentiment_score":0.08344687521457672},{"text":"That's okay.","start":2259.71,"end":2260.45,"sentiment":"neutral","sentiment_score":0.2812112793326378},{"text":"I only asked hesitant because you said you think so.","start":2260.67,"end":2263.15,"sentiment":"neutral","sentiment_score":0.11538223251700401}],"sentiment":"neutral","sentiment_score":0.09385862102111181,"num_words":15,"start":2249.5852,"end":2263.15},{"sentences":[{"text":"So I just wanted to make sure that there wasn't any concern there or questions that you you might have had.","start":2263.15,"end":2269.97,"sentiment":"neutral","sentiment_score":0.11558807463873},{"text":"Yeah.","start":2274.825,"end":2275.325,"sentiment":"neutral","sentiment_score":0.0012248940765857697},{"text":"Yep.","start":2278.705,"end":2279.205,"sentiment":"neutral","sentiment_score":0.06037675589323044},{"text":"Completely understand.","start":2282.585,"end":2283.805,"sentiment":"neutral","sentiment_score":0.15995069593191147},{"text":"Alright.","start":2286.025,"end":2286.525,"sentiment":"neutral","sentiment_score":0.08642896264791489}],"sentiment":"neutral","sentiment_score":0.11135698353441861,"num_words":26,"start":2263.15,"end":2286.525},{"sentences":[{"text":"The next document across is your certificate certificate of currency.","start":2286.665,"end":2290.5798,"sentiment":"neutral","sentiment_score":0.048264098539948466},{"text":"So this refers to your life and TPD insurance held with Clearview.","start":2290.5798,"end":2293.88,"sentiment":"neutral","sentiment_score":0.06123814328263203},{"text":"It's...","start":2294.5798,"end":2294.98,"sentiment":"neutral","sentiment_score":0.02220577746629715},{"text":"The certificate certificate of currency means that it is paid and it is enforced.","start":2294.98,"end":2299.46,"sentiment":"neutral","sentiment_score":0.04952421997274671},{"text":"So it is paid until the 07/18/2027.","start":2299.46,"end":2302.5999,"sentiment":"neutral","sentiment_score":0.06247555996690478}],"sentiment":"neutral","sentiment_score":0.05387210185554894,"num_words":44,"start":2286.665,"end":2302.5999},{"sentences":[{"text":"Your levels of cover are there.","start":2303.615,"end":2305.395,"sentiment":"neutral","sentiment_score":0.08248720069726308},{"text":"Something that I will flag with you once you purchase the house is that Sarah and yourself may want to consider reviewing your life insurance covers and what it is that you want to achieve should one of you pass away, and that might be to repay debt on the house so the remaining partner has a debt free home.","start":2305.775,"end":2328.06,"sentiment":"neutral","sentiment_score":0.10933699955542882},{"text":"So that is something probably to flag for the future that we will need to have a conversation about to make sure that, you know, your wishes and...","start":2328.12,"end":2337.0352,"sentiment":"neutral","sentiment_score":0.1760558532550931},{"text":"In place.","start":2339.5752,"end":2340.3152,"sentiment":"neutral","sentiment_score":0.043759770691394806},{"text":"The next document across is the financial services guide.","start":2342.0552,"end":2345.3352,"sentiment":"neutral","sentiment_score":0.03771549742668867}],"sentiment":"neutral","sentiment_score":0.11820634368452287,"num_words":105,"start":2303.615,"end":2345.3352},{"sentences":[{"text":"What this document is is it explains who we are, who I am, who we're licensed through, and that we, more importantly, are licensed with ASIC.","start":2345.3352,"end":2355.01,"sentiment":"neutral","sentiment_score":0.08705905481026723},{"text":"It explains the different types of advice we can provide and how we do that, our fee guide, and also importantly, the complaints process should you ever be in a position that you need to do that.","start":2355.95,"end":2369.835,"sentiment":"neutral","sentiment_score":0.12036733470253043},{"text":"The next document across is your ongoing service agreement.","start":2372.375,"end":2378.8198,"sentiment":"neutral","sentiment_score":0.08653940467370881},{"text":"So that's the fees that we charge on your superannuation fund.","start":2379.2798,"end":2382.64,"sentiment":"neutral","sentiment_score":0.08769742873581973},{"text":"So on the top of the second page, it is estimated to be $3,485.41 per annum.","start":2382.64,"end":2391.145,"sentiment":"neutral","sentiment_score":0.0822164446581155}],"sentiment":"neutral","sentiment_score":0.09874864931058402,"num_words":99,"start":2345.3352,"end":2391.145},{"sentences":[{"text":"Now that is then broken down and paid monthly.","start":2391.605,"end":2395.5452,"sentiment":"neutral","sentiment_score":0.08740808897548252},{"text":"So for a twelve month period...","start":2395.8452,"end":2397.705,"sentiment":"neutral","sentiment_score":0.08771700784564018},{"text":"I mean, monthly, over twelve months, you're looking at $290.45, and that is deducted from your superannuation balance.","start":2398.0051,"end":2407.38,"sentiment":"neutral","sentiment_score":0.09134289870659511},{"text":"And it...","start":2407.76,"end":2409.28,"sentiment":"neutral","sentiment_score":0.03908614628016949},{"text":"What it covers is your regular reviews, any changes that I'm gonna recommend post this review, so being those investment changes that we're gonna look at.","start":2409.28,"end":2420.2349,"sentiment":"neutral","sentiment_score":0.0968547320136657}],"sentiment":"neutral","sentiment_score":0.09104167786045153,"num_words":61,"start":2391.605,"end":2420.2349},{"sentences":[{"text":"It also doesn't limit you to your regular...","start":2420.375,"end":2422.795,"sentiment":"neutral","sentiment_score":0.05170273268595338},{"text":"In your reviews.","start":2423.095,"end":2423.9148,"sentiment":"neutral","sentiment_score":0.05154966190457344},{"text":"If your situation changes or you need further advice, you reach out, make contact with booking a time, and run through that.","start":2424.055,"end":2432.16,"sentiment":"neutral","sentiment_score":0.0808566530997103},{"text":"So you're not limited in any respect.","start":2432.38,"end":2434.5398,"sentiment":"neutral","sentiment_score":0.03952605117644582},{"text":"So that's what that fee covers.","start":2434.5398,"end":2436.0,"sentiment":"neutral","sentiment_score":0.1157552699247996}],"sentiment":"neutral","sentiment_score":0.07213763463432374,"num_words":46,"start":2420.375,"end":2436.0},{"sentences":[{"text":"So if you're happy to continue for the next twelve months, that's one form you will need to sign, and you can do that electronically through this.","start":2436.38,"end":2445.065,"sentiment":"neutral","sentiment_score":0.22510233466272},{"text":"And the last document in that pack is your option to...","start":2445.285,"end":2449.065,"sentiment":"neutral","sentiment_score":0.05658950114792043},{"text":"Well, it's basically the authority to...","start":2449.445,"end":2451.945,"sentiment":"neutral","sentiment_score":0.03147198570271333},{"text":"For us to retain your tax file number.","start":2452.245,"end":2453.925,"sentiment":"neutral","sentiment_score":0.06585197197273374},{"text":"So we do have that on file, and we have that on file from when we established your superannuation fund to ensure that you weren't overtaxed in super.","start":2453.925,"end":2462.4402,"sentiment":"neutral","sentiment_score":0.1451714187860489}],"sentiment":"neutral","sentiment_score":0.14350868705660105,"num_words":80,"start":2436.38,"end":2462.4402},{"sentences":[{"text":"So by you signing that form, you acknowledge that we do hold that on file, and you do give us authority to do so.","start":2463.06,"end":2470.2148,"sentiment":"neutral","sentiment_score":0.19608302414417267},{"text":"Any questions so far?","start":2471.635,"end":2473.255,"sentiment":"neutral","sentiment_score":-0.01780511625111103},{"text":"No.","start":2476.1948,"end":2476.6948,"sentiment":"neutral","sentiment_score":-0.18446224927902224},{"text":"Okay.","start":2477.315,"end":2477.815,"sentiment":"neutral","sentiment_score":-0.062301214784383774},{"text":"Mhmm.","start":2480.835,"end":2481.335,"sentiment":"neutral","sentiment_score":-0.05358800292015076}],"sentiment":"neutral","sentiment_score":0.13982002088619816,"num_words":31,"start":2463.06,"end":2481.335},{"sentences":[{"text":"Yeah.","start":2485.21,"end":2485.5298,"sentiment":"neutral","sentiment_score":0.05393169820308685},{"text":"Yep.","start":2485.5298,"end":2485.93,"sentiment":"neutral","sentiment_score":-0.005040108226239681},{"text":"So in the documents you're in, if you click...","start":2485.93,"end":2489.3098,"sentiment":"neutral","sentiment_score":0.007863993264941705},{"text":"There should be an option where you...","start":2489.5298,"end":2490.8098,"sentiment":"neutral","sentiment_score":0.009404371226472514},{"text":"It says sign here on the third page.","start":2490.8098,"end":2493.0698,"sentiment":"neutral","sentiment_score":0.003031170112080872}],"sentiment":"neutral","sentiment_score":0.008067211109356811,"num_words":26,"start":2485.21,"end":2493.0698},{"sentences":[{"text":"Yes.","start":2512.205,"end":2512.68,"sentiment":"neutral","sentiment_score":0.12275370210409164},{"text":"So if you...","start":2512.8398,"end":2514.7397,"sentiment":"neutral","sentiment_score":0.09338465208808581},{"text":"Yeah.","start":2515.3198,"end":2515.64,"sentiment":"neutral","sentiment_score":0.16981318593025208},{"text":"If you jump out and maybe go back in and navigate to those last two pages, there should be the option for you to sign them electronically both through this through this link.","start":2515.64,"end":2531.055,"sentiment":"neutral","sentiment_score":0.11202374563524217},{"text":"Okay.","start":2550.32,"end":2550.82,"sentiment":"neutral","sentiment_score":0.005102071911096573}],"sentiment":"neutral","sentiment_score":0.10960529544032536,"num_words":39,"start":2512.205,"end":2550.82},{"sentences":[{"text":"Alright.","start":2551.28,"end":2551.78,"sentiment":"neutral","sentiment_score":0.04320824146270752},{"text":"Leave that with me.","start":2552.0151,"end":2553.0552,"sentiment":"neutral","sentiment_score":0.013818124309182167},{"text":"I will get that reissued to you.","start":2553.0552,"end":2554.895,"sentiment":"neutral","sentiment_score":0.11588783775057111},{"text":"It might be just a glitch in the background.","start":2554.895,"end":2557.0552,"sentiment":"neutral","sentiment_score":-0.21610861851109398},{"text":"So what I'll do is if you want, you can delete that email.","start":2557.0552,"end":2560.2551,"sentiment":"neutral","sentiment_score":-0.11221418443780679}],"sentiment":"neutral","sentiment_score":-0.07335489298052647,"num_words":34,"start":2551.28,"end":2560.2551},{"sentences":[{"text":"I'll get it resent to you once I jump off the phone, And I'll also send through the estate planning brochure and some information on the insurances throughout the day today to use...","start":2560.2551,"end":2572.09,"sentiment":"neutral","sentiment_score":0.08099814236276981},{"text":"For you to talk about with Sarah to consider.","start":2572.09,"end":2575.15,"sentiment":"neutral","sentiment_score":0.02507259613937802},{"text":"Of course.","start":2581.885,"end":2582.685,"sentiment":"neutral","sentiment_score":0.04242950305342674},{"text":"What email address would you like to update that to?","start":2582.685,"end":2586.545,"sentiment":"neutral","sentiment_score":0.02880052663385868},{"text":"Mhmm.","start":2594.24,"end":2594.74,"sentiment":"neutral","sentiment_score":0.019361168146133423}],"sentiment":"neutral","sentiment_score":0.059833045523952355,"num_words":55,"start":2560.2551,"end":2594.74},{"sentences":[{"text":"One ten.","start":2597.92,"end":2598.98,"sentiment":"neutral","sentiment_score":0.017102872487157583},{"text":"Yep.","start":2599.1199,"end":2599.6199,"sentiment":"neutral","sentiment_score":0.042376212775707245},{"text":"Okay.","start":2602.16,"end":2602.56,"sentiment":"neutral","sentiment_score":0.06284318119287491},{"text":"I'm just gonna read this back to you.","start":2602.56,"end":2604.5,"sentiment":"neutral","sentiment_score":0.08502081502228975},{"text":"It is r h y s y one 10@gmail.com.","start":2604.96,"end":2612.2449,"sentiment":"neutral","sentiment_score":0.04358692549996906}],"sentiment":"neutral","sentiment_score":0.057708285172425565,"num_words":21,"start":2597.92,"end":2612.2449},{"sentences":[{"text":"Okay.","start":2613.665,"end":2614.145,"sentiment":"neutral","sentiment_score":0.09158152341842651},{"text":"So we'll update that on our end.","start":2614.145,"end":2616.2449,"sentiment":"neutral","sentiment_score":0.10019144948039736},{"text":"We'll also...","start":2616.4648,"end":2617.205,"sentiment":"neutral","sentiment_score":0.04304100200533867},{"text":"If there's any forms to be signed, send those to you to be...","start":2617.345,"end":2621.685,"sentiment":"neutral","sentiment_score":0.025914649837292157},{"text":"To update with Hub and Clearview.","start":2621.9849,"end":2624.1401,"sentiment":"neutral","sentiment_score":0.04909713317950567}],"sentiment":"neutral","sentiment_score":0.052085411060473014,"num_words":29,"start":2613.665,"end":2624.1401},{"sentences":[{"text":"And the only other item I just wanted to bring to your attention is at the moment for your life and superannuation fund, you do not have a beneficiary nomination.","start":2625.48,"end":2636.06,"sentiment":"neutral","sentiment_score":0.04763960341612498},{"text":"So what that means is if something was to happen to you, the trustees have full discretion as to where those funds are paid.","start":2636.985,"end":2644.685,"sentiment":"neutral","sentiment_score":0.08283184235915542},{"text":"If you wanted to make a nomination, I can arrange to get those funds sent to you.","start":2644.905,"end":2654.09,"sentiment":"neutral","sentiment_score":0.1711807312334285},{"text":"Yeah.","start":2655.19,"end":2655.35,"sentiment":"neutral","sentiment_score":0.09600335359573364},{"text":"Do you know who you want your beneficiary to be?","start":2655.35,"end":2659.1301,"sentiment":"neutral","sentiment_score":0.03325403798371553}],"sentiment":"neutral","sentiment_score":0.08238742053054454,"num_words":82,"start":2625.48,"end":2659.1301},{"sentences":[{"text":"Sarah?","start":2662.3901,"end":2662.8901,"sentiment":"neutral","sentiment_score":0.007012981455773115},{"text":"Okay.","start":2663.705,"end":2664.205,"sentiment":"neutral","sentiment_score":0.02198111265897751},{"text":"Alright, Rosalie.","start":2664.345,"end":2665.325,"sentiment":"neutral","sentiment_score":0.027081865817308426},{"text":"And is she at the same address you are, 19 Lynette Avenue?","start":2665.385,"end":2669.325,"sentiment":"neutral","sentiment_score":0.013122153235599399},{"text":"Okay.","start":2676.825,"end":2677.32,"sentiment":"neutral","sentiment_score":-0.001283450983464718}],"sentiment":"neutral","sentiment_score":0.014078836093711503,"num_words":17,"start":2662.3901,"end":2677.32},{"sentences":[{"text":"Just...","start":2680.6,"end":2681.0,"sentiment":"neutral","sentiment_score":-0.003340726485475898},{"text":"If you would...","start":2681.0,"end":2681.72,"sentiment":"neutral","sentiment_score":0.0024421949250002704},{"text":"If you want me to prefill the form, yeah, I'll grab her address.","start":2681.72,"end":2685.02,"sentiment":"neutral","sentiment_score":0.031647551948061355},{"text":"Or if you're happy to complete the form when you receive it, you can complete it all then.","start":2685.72,"end":2690.625,"sentiment":"neutral","sentiment_score":0.07345075677666399},{"text":"Yep.","start":2693.825,"end":2694.225,"sentiment":"neutral","sentiment_score":0.11539115756750108}],"sentiment":"neutral","sentiment_score":0.051469689254493765,"num_words":36,"start":2680.6,"end":2694.225},{"sentences":[{"text":"Okay.","start":2694.225,"end":2694.725,"sentiment":"neutral","sentiment_score":0.0843118280172348},{"text":"And then lastly, with the beneficiary nomination, there's two options.","start":2694.785,"end":2698.225,"sentiment":"neutral","sentiment_score":0.06085077747702598},{"text":"There's something called a non lapsing binding and a binding.","start":2698.225,"end":2701.285,"sentiment":"neutral","sentiment_score":0.021856324770487844},{"text":"What it means is that the trustees are bound by your beneficiary nomination, so they can't change it.","start":2702.305,"end":2710.1,"sentiment":"neutral","sentiment_score":0.06350912288245228},{"text":"The non lapsing means exactly that.","start":2710.4,"end":2712.56,"sentiment":"neutral","sentiment_score":0.04598370877405008}],"sentiment":"neutral","sentiment_score":0.0517877625560181,"num_words":45,"start":2694.225,"end":2712.56},{"sentences":[{"text":"It doesn't lapse until you lodge a new form to update that, whereas a binding means you need to renew it every three years.","start":2712.56,"end":2720.335,"sentiment":"neutral","sentiment_score":0.028340332054843504},{"text":"What would be your preference?","start":2720.335,"end":2721.555,"sentiment":"neutral","sentiment_score":0.04783371686935425},{"text":"Yeah.","start":2731.18,"end":2731.5,"sentiment":"neutral","sentiment_score":0.0680735856294632},{"text":"So you'd need to complete a new form every three years to have a beneficiary updated.","start":2731.5,"end":2736.48,"sentiment":"neutral","sentiment_score":0.06247999845072627},{"text":"We would talk about your beneficiaries every year in your review anyway to make sure that they're accurate and reflect your wishes.","start":2737.1,"end":2743.2,"sentiment":"neutral","sentiment_score":0.14657234298911961}],"sentiment":"neutral","sentiment_score":0.07664237735683427,"num_words":68,"start":2712.56,"end":2743.2},{"sentences":[{"text":"The non the non lapsing one just means that you don't have to fill out a a new form every three years.","start":2743.9749,"end":2748.855,"sentiment":"neutral","sentiment_score":0.08692685057493774},{"text":"If your situation changes, we would then issue a new form for you to be signed.","start":2748.855,"end":2753.755,"sentiment":"neutral","sentiment_score":0.08450562763027847},{"text":"Yep.","start":2757.655,"end":2758.11,"sentiment":"neutral","sentiment_score":0.1963615119457245},{"text":"And on lapping.","start":2758.35,"end":2759.09,"sentiment":"neutral","sentiment_score":0.20047671099503836},{"text":"Perfect.","start":2759.1501,"end":2759.6501,"sentiment":"positive","sentiment_score":0.521364688873291}],"sentiment":"neutral","sentiment_score":0.10659621136133061,"num_words":43,"start":2743.9749,"end":2759.6501},{"sentences":[{"text":"Alright.","start":2759.87,"end":2760.1902,"sentiment":"neutral","sentiment_score":0.2745837867259979},{"text":"Well, we'll get that sent to you as well.","start":2760.1902,"end":2762.1902,"sentiment":"neutral","sentiment_score":0.2237166182862388},{"text":"Do you have access to a printer to print that and complete, or do you want it posted?","start":2762.1902,"end":2766.4502,"sentiment":"neutral","sentiment_score":0.06841711575786273},{"text":"Yep.","start":2772.51,"end":2773.005,"sentiment":"neutral","sentiment_score":0.15834909677505493},{"text":"Okay.","start":2773.2449,"end":2773.7449,"sentiment":"neutral","sentiment_score":0.21339407563209536}],"sentiment":"neutral","sentiment_score":0.1297094869116942,"num_words":30,"start":2759.87,"end":2773.7449},{"sentences":[{"text":"That's alright.","start":2773.805,"end":2774.285,"sentiment":"neutral","sentiment_score":0.3077947646379471},{"text":"We will get that sent to you.","start":2774.285,"end":2775.9849,"sentiment":"positive","sentiment_score":0.3802605186189924},{"text":"Alright.","start":2777.005,"end":2777.4849,"sentiment":"positive","sentiment_score":0.41464489698410034},{"text":"Lovely.","start":2777.4849,"end":2777.9849,"sentiment":"positive","sentiment_score":0.5929176807403564},{"text":"So the next steps following this is that I'm going to go away and do some research to build an advice document just to change those investment options that we touched on.","start":2778.765,"end":2791.78,"sentiment":"neutral","sentiment_score":0.21255236852448434}],"sentiment":"neutral","sentiment_score":0.2578291053515534,"num_words":43,"start":2773.805,"end":2791.78},{"sentences":[{"text":"Is...","start":2791.78,"end":2792.26,"sentiment":"neutral","sentiment_score":0.00038854064769111574},{"text":"In the next few weeks, I just need to book some time in with you, probably the week starting the October 26 at this stage, to book in maybe forty five minutes or so to just run through that advice document and the investment changes so that I have your authority to make those.","start":2792.26,"end":2812.265,"sentiment":"neutral","sentiment_score":0.018670295175440884},{"text":"Is there any day of the week that works best for you?","start":2812.725,"end":2815.47,"sentiment":"neutral","sentiment_score":0.04924552779023846},{"text":"Yep.","start":2828.1099,"end":2828.6099,"sentiment":"neutral","sentiment_score":-0.026490410789847377},{"text":"Okay.","start":2828.67,"end":2829.17,"sentiment":"neutral","sentiment_score":-0.018292836844921112}],"sentiment":"neutral","sentiment_score":0.02253257341984916,"num_words":69,"start":2791.78,"end":2829.17},{"sentences":[{"text":"Yep.","start":2832.655,"end":2833.155,"sentiment":"neutral","sentiment_score":-0.06296759843826294},{"text":"Yes.","start":2842.335,"end":2842.835,"sentiment":"neutral","sentiment_score":-0.1385727822780609},{"text":"Yeah.","start":2843.535,"end":2844.035,"sentiment":"neutral","sentiment_score":-0.20940175652503967},{"text":"Yeah.","start":2846.3398,"end":2846.66,"sentiment":"neutral","sentiment_score":-0.108144149184227},{"text":"We've had that fixed.","start":2846.66,"end":2847.6199,"sentiment":"neutral","sentiment_score":-0.1388708595186472}],"sentiment":"neutral","sentiment_score":-0.1343212155625224,"num_words":8,"start":2832.655,"end":2847.6199},{"sentences":[{"text":"We got notified by that by a few clients, and we're like, oh.","start":2847.6199,"end":2850.5,"sentiment":"neutral","sentiment_score":-0.10026387182565835},{"text":"So we rang out our tech people to get that fixed.","start":2850.5,"end":2852.98,"sentiment":"neutral","sentiment_score":-0.1471677842465314},{"text":"So, hopefully, that's not happening anymore.","start":2852.98,"end":2855.16,"sentiment":"neutral","sentiment_score":-0.21157616625229517},{"text":"Did that happen this morning?","start":2855.78,"end":2857.3198,"sentiment":"neutral","sentiment_score":-0.057073384523391724},{"text":"Beautiful.","start":2859.5652,"end":2860.0652,"sentiment":"neutral","sentiment_score":0.07041634619235992}],"sentiment":"neutral","sentiment_score":-0.12240787595510483,"num_words":36,"start":2847.6199,"end":2860.0652},{"sentences":[{"text":"No.","start":2864.0452,"end":2864.445,"sentiment":"neutral","sentiment_score":-0.21214768290519712},{"text":"I understand that.","start":2864.445,"end":2865.405,"sentiment":"neutral","sentiment_score":-0.24594149986902872},{"text":"I would be exactly the same.","start":2865.405,"end":2867.5852,"sentiment":"neutral","sentiment_score":-0.2687236691514651},{"text":"So thank you.","start":2867.8052,"end":2868.8452,"sentiment":"neutral","sentiment_score":0.03675520668427149},{"text":"I think we've rectified that.","start":2868.8452,"end":2870.7651,"sentiment":"neutral","sentiment_score":-0.06682387553155422}],"sentiment":"neutral","sentiment_score":-0.15478710861255726,"num_words":18,"start":2864.0452,"end":2870.7651},{"sentences":[{"text":"But, yeah, if it does...","start":2870.7651,"end":2872.0452,"sentiment":"neutral","sentiment_score":-0.07685400396585465},{"text":"If if you do ever experience that again, please, like, please feel free to give us that feedback so we can make sure that that is...","start":2872.0452,"end":2878.49,"sentiment":"neutral","sentiment_score":-0.024665774777531624},{"text":"Doesn't continue to happen.","start":2880.63,"end":2882.17,"sentiment":"neutral","sentiment_score":-0.1697644107043743},{"text":"If I'm looking at the week of the twenty sixth, today's a Wednesday, would you like me to book something in around the same time?","start":2884.8052,"end":2891.145,"sentiment":"neutral","sentiment_score":-0.026168894991278648},{"text":"And if we need to change that, we can?","start":2891.685,"end":2894.1052,"sentiment":"neutral","sentiment_score":-0.04209420126345423}],"sentiment":"neutral","sentiment_score":-0.039676927435009376,"num_words":69,"start":2870.7651,"end":2894.1052},{"sentences":[{"text":"Yes.","start":2896.645,"end":2897.0452,"sentiment":"neutral","sentiment_score":-0.0025563230738043785},{"text":"So Wednesday, the twenty eighth at about...","start":2897.0452,"end":2900.84,"sentiment":"neutral","sentiment_score":-0.011557491762297494},{"text":"Not even looking the right day.","start":2902.1802,"end":2903.7002,"sentiment":"neutral","sentiment_score":-0.11492098867893219},{"text":"Nine, which is ten your time?","start":2903.7002,"end":2905.6401,"sentiment":"neutral","sentiment_score":-0.03660991539557775},{"text":"Yep.","start":2908.6602,"end":2909.1602,"sentiment":"neutral","sentiment_score":0.023264974355697632}],"sentiment":"neutral","sentiment_score":-0.046160915023868994,"num_words":21,"start":2896.645,"end":2909.1602},{"sentences":[{"text":"Yeah.","start":2909.3,"end":2909.62,"sentiment":"neutral","sentiment_score":0.0387021042406559},{"text":"Okay.","start":2909.62,"end":2910.12,"sentiment":"neutral","sentiment_score":0.047783419489860535},{"text":"We'll send you a text message.","start":2910.74,"end":2912.36,"sentiment":"neutral","sentiment_score":0.0751961109538873},{"text":"I'll I'll set a text message reminder for the afternoon before to calendar.","start":2912.4202,"end":2923.405,"sentiment":"neutral","sentiment_score":0.0587778057043369},{"text":"Alright.","start":2926.265,"end":2926.585,"sentiment":"neutral","sentiment_score":0.2774176597595215}],"sentiment":"neutral","sentiment_score":0.0717814237895337,"num_words":22,"start":2909.3,"end":2926.585},{"sentences":[{"text":"Lovely.","start":2926.585,"end":2927.085,"sentiment":"positive","sentiment_score":0.4583063125610352},{"text":"Fantastic.","start":2927.64,"end":2928.14,"sentiment":"neutral","sentiment_score":0.1557452380657196},{"text":"Well...","start":2931.64,"end":2931.89,"sentiment":"neutral","sentiment_score":0.016662999987602234},{"text":"Yeah.","start":2931.89,"end":2932.39,"sentiment":"neutral","sentiment_score":0.046487193554639816},{"text":"Daylight savings is...","start":2944.795,"end":2946.9749,"sentiment":"neutral","sentiment_score":0.011045761095980803}],"sentiment":"neutral","sentiment_score":0.10147700392241989,"num_words":7,"start":2926.585,"end":2946.9749},{"sentences":[{"text":"Because we're in Queensland.","start":2947.355,"end":2948.4949,"sentiment":"neutral","sentiment_score":-0.014337611617520452},{"text":"Sometimes it takes our brains a little while to adjust, particularly if it was sent just...","start":2949.915,"end":2959.01,"sentiment":"neutral","sentiment_score":-0.1197205837816},{"text":"This is our first week doing it.","start":2959.15,"end":2960.5898,"sentiment":"neutral","sentiment_score":-0.021731516080243245},{"text":"So I'd say there was probably a little bit of a error there, but thank you.","start":2960.5898,"end":2965.15,"sentiment":"neutral","sentiment_score":-0.09411253337748349},{"text":"I will let the team know and make sure that that doesn't happen again.","start":2965.15,"end":2969.855,"sentiment":"neutral","sentiment_score":-0.08529578415410859}],"sentiment":"neutral","sentiment_score":-0.08464810371464282,"num_words":57,"start":2947.355,"end":2969.855},{"sentences":[{"text":"Alright.","start":2971.5151,"end":2972.0151,"sentiment":"positive","sentiment_score":0.394735187292099},{"text":"Fantastic.","start":2972.075,"end":2972.575,"sentiment":"positive","sentiment_score":0.7360377311706543},{"text":"Well, thanks for your time, Reese.","start":2972.715,"end":2973.995,"sentiment":"positive","sentiment_score":0.7454334696133932},{"text":"I really do appreciate it, and I look forward to speaking to you in a couple of weeks to talk through those changes.","start":2973.995,"end":2981.0588,"sentiment":"positive","sentiment_score":0.7131183730519336},{"text":"Lovely.","start":2982.3188,"end":2982.7188,"sentiment":"positive","sentiment_score":0.8215224146842957}],"sentiment":"positive","sentiment_score":0.7133318353444338,"num_words":32,"start":2971.5151,"end":2982.7188},{"sentences":[{"text":"Thank you so much.","start":2982.7188,"end":2983.5188,"sentiment":"positive","sentiment_score":0.8349171876907349},{"text":"Enjoy your day.","start":2983.5188,"end":2984.4988,"sentiment":"positive","sentiment_score":0.7933591802914938},{"text":"Okay.","start":2985.7588,"end":2986.159,"sentiment":"neutral","sentiment_score":0.2298448532819748},{"text":"Bye.","start":2986.159,"end":2986.659,"sentiment":"neutral","sentiment_score":-0.11274047940969469}],"sentiment":"positive","sentiment_score":0.6485389628344111,"num_words":9,"start":2982.7188,"end":2986.659}]}}]},{"alternatives":[{"transcript":"Hello? Yes. Good. Thanks. Yourself? Yep. No worries. Reece, William Cartwright. 07/20/1987, and 19 Winnet Avenue, Warrandyte. Like like... That's alright. It's not it's not that hard. Yep. No. But we are currently talking to a mortgage broker. So I don't know if that's just a buyer. Yeah. Yeah. We're, Yes. We're going through that at the moment. So soon. Yeah. Yeah. It should be be good. About 900. Thanks. Yep. It's like the factor, I guess. Yep. Which... Oh, that's changing soon too. No. No. We just no. We just pain ring shopping. Sorry for that. Yeah. Yeah. Sarah. McCray. It's m c c r r e a. And it's spelled back to front is what I'm used to. Yes. Yep. Sorry. What was that? 0494 161 410. No. Yes. Yes. The company name? Statewide Emergency Plumbing. Yep. So it's my father's company since I was, like, 17 or so. We do roof plumbing every now and then. What what... Nah. No way. I'm shit scared of heights, so nah. I'm talking, like, one or two story buildings. I think my group certificate just gone said '96, but before But in saying that, I get paid in, like, cash a fair bit too. So It varies. Yeah. Yep. Yep. Like, is in the two of us or just personally? Yep. It's a good question. I mean, currently, we... We're... I'm paying, like, $200 a week rent, which is nothing. Yeah. I don't know. Maybe... I don't know. We get, like, chalice fresh and stuff, so it's hard to figure out groceries because... I don't know. That... I'd just say maybe a $100. Yeah. I mean, it's probably not that much, but just... Yeah. Yeah. Just say around that, I guess. Yeah. Yep. Yes. But it's sort of a bit... I mean, it's not it's not really up to date either. I've switched that off for a minute. I can't remember how long that's been. It's probably only been, I don't know, five months or so. Yeah. Just trying to... Yeah. Just trying to build that for now, and then I was gonna go back to it when, yeah, we're all sorted with that. A debt attached to it? Yeah. No. That's... The car's paid for. I don't know. Maybe 25? I've got a second car as well, which is also paid for, and that's probably valued around the same. Yep. $175. No. Just me. Part of it. Yep. Not not entirely sure. Maybe about $1.80. But, I mean, that's combined. So yeah. Probably, like, from mine, maybe a 150. Like, didn't... Oh. Yeah. Just... I don't know. Just... I don't know. Didn't wanna give the whole lot. Yeah. I'm sort of still... I've still undecided which way to go with it because I've got shares as well, which aren't... I mean, they're not doing a whole lot. But, yeah, I'm sort of undecided if I sell them and use that to make the mortgage cheaper or leave it. 42, I think. 43 maybe. Any what? Sorry? To the shares? No. Just on just on the... What do you mean by that? Like, ETF and stuff? It's just three ETFs. Yeah. Yeah. Yep. I mean, potentially. I just wouldn't wouldn't be able to do that today, though. I've got crypto as well, which was really unsure. That's currently worth about 70 k. I don't really buy and sell. At one stage, it went up to just over $120, but I left it. And, yeah, it came all the way back down to 50 maybe, but it's sort of gone back up. So I just I just left it. Told myself if it ever got to that price, it was that I'd sell it. Yeah. Yeah. Because Well, I mean, if I don't have to touch it, I guess I'd leave it. But... Yeah. So I'm sure maybe it's... Yeah. Maybe it's the worst getting rid of it and I don't know. Making the mortgage paper, I suppose. Like, in... Like like what? What do you mean? No. No. No. Mhmm. No. No. Just like... I mean, I've got a Ventolin, but hardly ever used it. Yeah. Apart from the usual, like, hay fever shit that I'm not really. Yeah. Just like an asthma puff are, I'm in. Yeah. Yeah. Nah. Nah. I definitely don't have that. Yes. HCF. My height? Question. I think I'm a hundred and seventy five centimeters maybe and seventy one. Yep. No. Honestly, we've never spoken about it. Eventually, she's... Yeah. I don't know. It's very hard, like, all this life decisions we've been making are, like, six months to a year in advance because she's Canadian and moved here August 2024. And we've got, like, permanent residency in July. So it's been been hard to make decisions because, you know, everything's a bit of a waiting game. But, yeah, now we're sort of on top of all that. Yeah. We've been the last two years. Yeah. Yep. Honestly, no idea. It's just probably gonna vary depending on... Yeah. Yeah. Yep. I don't know. Honestly, like, I don't know. It's kinda it's kinda been, like, one thing at a time, I suppose. Trying to... Yeah. I don't know. It's hard to decide that before, like, the house and stuff like that. Yeah. I don't know. Before the whole house venture, I thought about I thought about going down this road of buying a rental with it, but I've sort of been on the show. Yep. Yeah. Yeah. I mean, it didn't necessarily have to be residential. Just, you know, and, obviously, because they they can't live in it anyway. So Potentially. Like, if it's... Yeah. I guess I'd... I don't know. It depends on the recommendation, I suppose, what's a better way to go about it. What to well, I guess it depends on what you guys recommend, I suppose. Yeah. I don't know. Maybe, like, two years, I suppose. I mean, yeah, definitely a return, I suppose. Yeah. That's Yeah. I mean, it was just a thought with not knowing which way to go and obviously, with all the real changes you were saying. Yeah. Sort of... I don't know. Because, like, before we were gonna buy a house, we, you know, was potentially gonna rent, and and then I was gonna maybe go down that avenue of buying, like, a rental or something like that. But we're sort of not set on anything or just a little bit of an you know, a few ideas in that stage. Yep. Yes. Yep. Yep. K. Mhmm. I got it. Yep. That'd be good. Okay. Yep. Yep. Yep. Okay. I have got that. Hold this. It's open. Yep. Yep. Yep. Mhmm. I used to have income protection, and it was steps... I think it started off, like, $180 a month, and by the end, it was, like, 300 and something. Yeah. I didn't have health insurance then, so I I mean, it's probably not the same, but my health insurance... I got that and the income protection, and my health insurance has got, like, an accident cover. So that's just what I've, yeah, what I've got at the moment. Mhmm. Yep. Yeah. Yep. Mhmm. Yeah. Yep. Yep. Okay. Potentially. But to be honest, I... When I had it and I thought it was too expensive, I looked into bank changing it. And then it's like I was too honest on the questionnaire because the quote I got back was more expensive. So I just got rid of it. Yeah. That as well. But also, it was like, you know, if I had counseling or something before. You know what I mean? That seemed to go through the roof. Yep. Okay. Yep. Yep. Yes. Yep. I mean, I'd probably speak to my partner about it first. Yeah. Maybe just the maybe just the things that I should look into. You know what I mean? Consider, as you were saying. Yep. Yeah. Sorry. Sorry. Click... Sorry. I was meant to click next document. Yeah. Yep. Yep. Yep. Yep. Yep. Yeah. Definitely. Yep. Yep. Yep. Sounds good. Yeah. Yeah. Yep. Yep. Yep. Yep. Yeah. Yep. Yeah. Mhmm. Yeah. I think so. Yep. Yep. Mhmm. Yep. Yep. Yep. Yep. I think so. Yeah. Yeah. I'm not. I think it's been that the whole time I've been with you guys. And before that, I was with Sebas, and it sort of didn't really seem to do much, to be honest. Yeah. I mean, we'll put it this way. I don't... Like, I can't access it anytime soon, so it may as well be, you know, trying to make as much as possible. Yes. Yep. Yep. Yeah. No worries. Mhmm. Yep. Yep. Yep. Mhmm. Yeah. Okay. Yep. Okay. Yep. Okay. No worries. I don't think so. Just that... Sorry. The consent to renewal, is that... Can that be done online? I've got that on the last... Yeah. So I've got options revised your... And then there's one that says your election. Will will that go through all the signable pages, basically? Because the other one is for that. Oops. Yeah. I've only got... It only comes up with that on the last page. Like... Yeah. Yep. Okay. Is is it possible to change the email address that you send them to? So it's r h y s y one ten @gmail.com. Yep. Yep. Yes. Yep. Yep. Yeah. Okay. That'd be good. Thank you. I'm probably... Yeah. Sarah. Yeah. No. Well, that's just... That's my mailing address, but she's at... Do you need her? Okay. Yeah. We'll we'll just do that, I think. Yep. So you could just review it every three days? Yeah. Yeah. Okay. Yeah. That that one sounds better. Yeah. I could get it printed out. That's fine. Yep. Yep. I mean, I honestly got no idea what I'm doing those days yet, so not not really. Just... Yeah. It doesn't really matter. I know... When I returned call last week to make this appointment, I I noticed that one of the numbers you guys call off comes up on my phone as, like, do you have a Androids come up with the, like, potential scam or whatever? Yeah. I was... That's... No. It didn't. Just that's... Yeah. That's that's why I was probably hard to get in contact with. Yep. Yep. Yeah. Yeah. Yep. Yep. Yep. Yep. That'd be fine. Hey. Just to let you know that the reminder message I got this morning came through at 08:00, and it says reminder of your appointment at 8AM, Vic time, which is when I got the message. Yeah. Alright. Okay. Okay. No worries. Thank you. You too. 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Yes. Good. Thanks. Yourself?\n\nYep. No worries. Reece, William Cartwright. 07/20/1987, and 19 Winnet Avenue, Warrandyte. Like like...\n\nThat's alright. It's not it's not that hard. Yep. No. But we are currently talking to a mortgage broker.\n\nSo I don't know if that's just a buyer. Yeah. Yeah. We're, Yes. We're going through that at the moment.\n\nSo soon. Yeah. Yeah. It should be be good. About 900.\n\nThanks. Yep. It's like the factor, I guess. Yep. Which...\n\nOh, that's changing soon too. No. No. We just no. We just pain ring shopping.\n\nSorry for that. Yeah. Yeah. Sarah. McCray.\n\nIt's m c c r r e a. And it's spelled back to front is what I'm used to. Yes. Yep. Sorry.\n\nWhat was that? 0494 161 410. No. Yes. Yes.\n\nThe company name? Statewide Emergency Plumbing. Yep. So it's my father's company since I was, like, 17 or so. We do roof plumbing every now and then.\n\nWhat what... Nah. No way. I'm shit scared of heights, so nah. I'm talking, like, one or two story buildings.\n\nI think my group certificate just gone said '96, but before But in saying that, I get paid in, like, cash a fair bit too. So It varies. Yeah. Yep. Yep.\n\nLike, is in the two of us or just personally? Yep. It's a good question. I mean, currently, we... We're...\n\nI'm paying, like, $200 a week rent, which is nothing. Yeah. I don't know. Maybe... I don't know.\n\nWe get, like, chalice fresh and stuff, so it's hard to figure out groceries because... I don't know. That... I'd just say maybe a $100. Yeah.\n\nI mean, it's probably not that much, but just... Yeah. Yeah. Just say around that, I guess. Yeah.\n\nYep. Yes. But it's sort of a bit... I mean, it's not it's not really up to date either. I've switched that off for a minute.\n\nI can't remember how long that's been. It's probably only been, I don't know, five months or so. Yeah. Just trying to... Yeah.\n\nJust trying to build that for now, and then I was gonna go back to it when, yeah, we're all sorted with that. A debt attached to it? Yeah. No. That's...\n\nThe car's paid for. I don't know. Maybe 25? I've got a second car as well, which is also paid for, and that's probably valued around the same. Yep.\n\n$175. No. Just me. Part of it. Yep.\n\nNot not entirely sure. Maybe about $1.80. But, I mean, that's combined. So yeah. Probably, like, from mine, maybe a 150.\n\nLike, didn't... Oh. Yeah. Just... I don't know.\n\nJust... I don't know. Didn't wanna give the whole lot. Yeah. I'm sort of still...\n\nI've still undecided which way to go with it because I've got shares as well, which aren't... I mean, they're not doing a whole lot. But, yeah, I'm sort of undecided if I sell them and use that to make the mortgage cheaper or leave it. 42, I think. 43 maybe.\n\nAny what? Sorry? To the shares? No. Just on just on the...\n\nWhat do you mean by that? Like, ETF and stuff? It's just three ETFs. Yeah. Yeah.\n\nYep. I mean, potentially. I just wouldn't wouldn't be able to do that today, though. I've got crypto as well, which was really unsure. That's currently worth about 70 k.\n\nI don't really buy and sell. At one stage, it went up to just over $120, but I left it. And, yeah, it came all the way back down to 50 maybe, but it's sort of gone back up. So I just I just left it. Told myself if it ever got to that price, it was that I'd sell it.\n\nYeah. Yeah. Because Well, I mean, if I don't have to touch it, I guess I'd leave it. But... Yeah.\n\nSo I'm sure maybe it's... Yeah. Maybe it's the worst getting rid of it and I don't know. Making the mortgage paper, I suppose. Like, in...\n\nLike like what? What do you mean? No. No. No.\n\nMhmm. No. No. Just like... I mean, I've got a Ventolin, but hardly ever used it.\n\nYeah. Apart from the usual, like, hay fever shit that I'm not really. Yeah. Just like an asthma puff are, I'm in. Yeah.\n\nYeah. Nah. Nah. I definitely don't have that. Yes.\n\nHCF. My height? Question. I think I'm a hundred and seventy five centimeters maybe and seventy one. Yep.\n\nNo. Honestly, we've never spoken about it. Eventually, she's... Yeah. I don't know.\n\nIt's very hard, like, all this life decisions we've been making are, like, six months to a year in advance because she's Canadian and moved here August 2024. And we've got, like, permanent residency in July. So it's been been hard to make decisions because, you know, everything's a bit of a waiting game. But, yeah, now we're sort of on top of all that. Yeah.\n\nWe've been the last two years. Yeah. Yep. Honestly, no idea. It's just probably gonna vary depending on...\n\nYeah. Yeah. Yep. I don't know. Honestly, like, I don't know.\n\nIt's kinda it's kinda been, like, one thing at a time, I suppose. Trying to... Yeah. I don't know. It's hard to decide that before, like, the house and stuff like that.\n\nYeah. I don't know. Before the whole house venture, I thought about I thought about going down this road of buying a rental with it, but I've sort of been on the show. Yep. Yeah.\n\nYeah. I mean, it didn't necessarily have to be residential. Just, you know, and, obviously, because they they can't live in it anyway. So Potentially. Like, if it's...\n\nYeah. I guess I'd... I don't know. It depends on the recommendation, I suppose, what's a better way to go about it. What to well, I guess it depends on what you guys recommend, I suppose.\n\nYeah. I don't know. Maybe, like, two years, I suppose. I mean, yeah, definitely a return, I suppose. Yeah.\n\nThat's Yeah. I mean, it was just a thought with not knowing which way to go and obviously, with all the real changes you were saying. Yeah. Sort of... I don't know.\n\nBecause, like, before we were gonna buy a house, we, you know, was potentially gonna rent, and and then I was gonna maybe go down that avenue of buying, like, a rental or something like that. But we're sort of not set on anything or just a little bit of an you know, a few ideas in that stage. Yep. Yes. Yep.\n\nYep. K. Mhmm. I got it. Yep.\n\nThat'd be good. Okay. Yep. Yep. Yep.\n\nOkay. I have got that. Hold this. It's open. Yep.\n\nYep. Yep. Mhmm. I used to have income protection, and it was steps... I think it started off, like, $180 a month, and by the end, it was, like, 300 and something.\n\nYeah. I didn't have health insurance then, so I I mean, it's probably not the same, but my health insurance... I got that and the income protection, and my health insurance has got, like, an accident cover. So that's just what I've, yeah, what I've got at the moment. Mhmm.\n\nYep. Yeah. Yep. Mhmm. Yeah.\n\nYep. Yep. Okay. Potentially. But to be honest, I...\n\nWhen I had it and I thought it was too expensive, I looked into bank changing it. And then it's like I was too honest on the questionnaire because the quote I got back was more expensive. So I just got rid of it. Yeah. That as well.\n\nBut also, it was like, you know, if I had counseling or something before. You know what I mean? That seemed to go through the roof. Yep. Okay.\n\nYep. Yep. Yes. Yep. I mean, I'd probably speak to my partner about it first.\n\nYeah. Maybe just the maybe just the things that I should look into. You know what I mean? Consider, as you were saying. Yep.\n\nYeah. Sorry. Sorry. Click... Sorry.\n\nI was meant to click next document. Yeah. Yep. Yep. Yep.\n\nYep. Yep. Yeah. Definitely. Yep.\n\nYep. Yep. Sounds good. Yeah. Yeah.\n\nYep. Yep. Yep. Yep. Yeah.\n\nYep. Yeah. Mhmm. Yeah. I think so.\n\nYep. Yep. Mhmm. Yep. Yep.\n\nYep. Yep. I think so. Yeah. Yeah.\n\nI'm not. I think it's been that the whole time I've been with you guys. And before that, I was with Sebas, and it sort of didn't really seem to do much, to be honest. Yeah. I mean, we'll put it this way.\n\nI don't... Like, I can't access it anytime soon, so it may as well be, you know, trying to make as much as possible. Yes. Yep. Yep.\n\nYeah. No worries. Mhmm. Yep. Yep.\n\nYep. Mhmm. Yeah. Okay. Yep.\n\nOkay. Yep. Okay. No worries. I don't think so.\n\nJust that... Sorry. The consent to renewal, is that... Can that be done online? I've got that on the last...\n\nYeah. So I've got options revised your... And then there's one that says your election. Will will that go through all the signable pages, basically? Because the other one is for that.\n\nOops. Yeah. I've only got... It only comes up with that on the last page. Like...\n\nYeah. Yep. Okay. Is is it possible to change the email address that you send them to? So it's r h y s y one ten @gmail.com.\n\nYep. Yep. Yes. Yep. Yep.\n\nYeah. Okay. That'd be good. Thank you. I'm probably...\n\nYeah. Sarah. Yeah. No. Well, that's just...\n\nThat's my mailing address, but she's at... Do you need her? Okay. Yeah. We'll we'll just do that, I think.\n\nYep. So you could just review it every three days? Yeah. Yeah. Okay.\n\nYeah. That that one sounds better. Yeah. I could get it printed out. That's fine.\n\nYep. Yep. I mean, I honestly got no idea what I'm doing those days yet, so not not really. Just... Yeah.\n\nIt doesn't really matter. I know... When I returned call last week to make this appointment, I I noticed that one of the numbers you guys call off comes up on my phone as, like, do you have a Androids come up with the, like, potential scam or whatever? Yeah. I was...\n\nThat's... No. It didn't. Just that's... Yeah.\n\nThat's that's why I was probably hard to get in contact with. Yep. Yep. Yeah. Yeah.\n\nYep. Yep. Yep. Yep. That'd be fine.\n\nHey. Just to let you know that the reminder message I got this morning came through at 08:00, and it says reminder of your appointment at 8AM, Vic time, which is when I got the message. Yeah. Alright. Okay.\n\nOkay. No worries. Thank you. You too. See you.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.0,"end":0.5,"sentiment":"neutral","sentiment_score":0.019703201949596405},{"text":"Yes.","start":5.68,"end":6.18,"sentiment":"neutral","sentiment_score":0.10315100848674774},{"text":"Good.","start":9.12,"end":9.36,"sentiment":"positive","sentiment_score":0.5294145345687866},{"text":"Thanks.","start":9.36,"end":9.679999,"sentiment":"positive","sentiment_score":0.5948121547698975},{"text":"Yourself?","start":9.679999,"end":10.179999,"sentiment":"neutral","sentiment_score":0.31000086665153503}],"sentiment":"neutral","sentiment_score":0.31141635328531264,"num_words":5,"start":0.0,"end":10.179999},{"sentences":[{"text":"Yep.","start":19.435,"end":19.914999,"sentiment":"neutral","sentiment_score":0.052242211997509},{"text":"No worries.","start":19.914999,"end":20.654999,"sentiment":"neutral","sentiment_score":0.16989034414291382},{"text":"Reece, William Cartwright.","start":27.035,"end":28.574999,"sentiment":"neutral","sentiment_score":0.016865693032741547},{"text":"07/20/1987, and 19 Winnet Avenue, Warrandyte.","start":28.634998,"end":32.63,"sentiment":"neutral","sentiment_score":0.04130702372640371},{"text":"Like like...","start":45.925,"end":46.745,"sentiment":"neutral","sentiment_score":-0.03684192011132836}],"sentiment":"neutral","sentiment_score":0.04405559153695192,"num_words":14,"start":19.435,"end":46.745},{"sentences":[{"text":"That's alright.","start":46.805,"end":47.525,"sentiment":"neutral","sentiment_score":0.02537153009325266},{"text":"It's not it's not that hard.","start":47.525,"end":48.985,"sentiment":"neutral","sentiment_score":0.11800480137268703},{"text":"Yep.","start":59.85,"end":60.35,"sentiment":"neutral","sentiment_score":0.08706063032150269},{"text":"No.","start":77.225,"end":77.725,"sentiment":"neutral","sentiment_score":-0.10603751242160796},{"text":"But we are currently talking to a mortgage broker.","start":77.785,"end":80.905,"sentiment":"neutral","sentiment_score":-0.09014197438955307}],"sentiment":"neutral","sentiment_score":-0.0037622517464976552,"num_words":19,"start":46.805,"end":80.905},{"sentences":[{"text":"So I don't know if that's just a buyer.","start":80.905,"end":85.14,"sentiment":"neutral","sentiment_score":-0.06743004214432505},{"text":"Yeah.","start":86.479996,"end":86.979996,"sentiment":"neutral","sentiment_score":0.11896168440580368},{"text":"Yeah.","start":88.4,"end":88.9,"sentiment":"neutral","sentiment_score":0.022105306386947632},{"text":"We're, Yes.","start":94.08,"end":95.255005,"sentiment":"neutral","sentiment_score":0.00514632323756814},{"text":"We're going through that at the moment.","start":95.255005,"end":96.695,"sentiment":"neutral","sentiment_score":0.007589261047542095}],"sentiment":"neutral","sentiment_score":-0.020119295734912158,"num_words":20,"start":80.905,"end":96.695},{"sentences":[{"text":"So soon.","start":96.695,"end":98.555,"sentiment":"neutral","sentiment_score":0.01965702511370182},{"text":"Yeah.","start":102.775,"end":103.275,"sentiment":"neutral","sentiment_score":0.16673043370246887},{"text":"Yeah.","start":110.649994,"end":111.149994,"sentiment":"neutral","sentiment_score":0.2843085527420044},{"text":"It should be be good.","start":111.60999,"end":113.71,"sentiment":"positive","sentiment_score":0.3645398199558258},{"text":"About 900.","start":118.329994,"end":119.46999,"sentiment":"neutral","sentiment_score":0.02280241809785366}],"sentiment":"neutral","sentiment_score":0.2144233611497012,"num_words":11,"start":96.695,"end":119.46999},{"sentences":[{"text":"Thanks.","start":126.405,"end":126.905,"sentiment":"positive","sentiment_score":0.629403829574585},{"text":"Yep.","start":145.69,"end":146.19,"sentiment":"neutral","sentiment_score":-0.015505454502999784},{"text":"It's like the factor, I guess.","start":151.065,"end":156.205,"sentiment":"neutral","sentiment_score":-0.06630728145440419},{"text":"Yep.","start":157.945,"end":158.445,"sentiment":"neutral","sentiment_score":0.03702256456017494},{"text":"Which...","start":160.425,"end":160.825,"sentiment":"neutral","sentiment_score":0.08548354357481003}],"sentiment":"neutral","sentiment_score":0.0338560794480145,"num_words":10,"start":126.405,"end":160.825},{"sentences":[{"text":"Oh, that's changing soon too.","start":160.825,"end":162.765,"sentiment":"neutral","sentiment_score":0.020221341401338577},{"text":"No.","start":165.705,"end":165.945,"sentiment":"neutral","sentiment_score":-0.23206718266010284},{"text":"No.","start":165.945,"end":166.265,"sentiment":"neutral","sentiment_score":-0.25258105993270874},{"text":"We just no.","start":166.265,"end":167.65,"sentiment":"neutral","sentiment_score":-0.25869883596897125},{"text":"We just pain ring shopping.","start":167.65,"end":169.67,"sentiment":"neutral","sentiment_score":-0.327637779712677}],"sentiment":"neutral","sentiment_score":-0.1865217961370945,"num_words":15,"start":160.825,"end":169.67},{"sentences":[{"text":"Sorry for that.","start":171.65,"end":172.37,"sentiment":"neutral","sentiment_score":-0.019338157027959824},{"text":"Yeah.","start":172.37,"end":172.87,"sentiment":"neutral","sentiment_score":0.15706732869148254},{"text":"Yeah.","start":173.89,"end":174.39,"sentiment":"neutral","sentiment_score":0.19358766078948977},{"text":"Sarah.","start":185.275,"end":185.775,"sentiment":"neutral","sentiment_score":0.002497360110282898},{"text":"McCray.","start":188.47499,"end":188.97499,"sentiment":"neutral","sentiment_score":0.00035017140908166766}],"sentiment":"neutral","sentiment_score":0.04221257855949391,"num_words":7,"start":171.65,"end":188.97499},{"sentences":[{"text":"It's m c c r r e a.","start":191.355,"end":195.81999,"sentiment":"neutral","sentiment_score":0.00451263985451078},{"text":"And it's spelled back to front is what I'm used to.","start":197.23999,"end":201.5,"sentiment":"neutral","sentiment_score":0.011446717364544218},{"text":"Yes.","start":209.895,"end":210.395,"sentiment":"neutral","sentiment_score":0.022635556757450104},{"text":"Yep.","start":210.535,"end":211.035,"sentiment":"neutral","sentiment_score":0.016023773699998856},{"text":"Sorry.","start":216.775,"end":217.015,"sentiment":"neutral","sentiment_score":-0.028518211096525192}],"sentiment":"neutral","sentiment_score":0.007825278600318019,"num_words":22,"start":191.355,"end":217.015},{"sentences":[{"text":"What was that?","start":217.015,"end":217.83499,"sentiment":"neutral","sentiment_score":-0.022183373260001343},{"text":"0494 161 410.","start":221.175,"end":228.35,"sentiment":"neutral","sentiment_score":0.005936854984611273},{"text":"No.","start":233.45001,"end":233.95001,"sentiment":"neutral","sentiment_score":-0.05710881948471069},{"text":"Yes.","start":247.215,"end":247.715,"sentiment":"neutral","sentiment_score":0.09669971466064452},{"text":"Yes.","start":248.655,"end":249.155,"sentiment":"neutral","sentiment_score":0.03351891413331032}],"sentiment":"neutral","sentiment_score":0.002707806053674882,"num_words":9,"start":217.015,"end":249.155},{"sentences":[{"text":"The company name?","start":253.7,"end":254.84,"sentiment":"neutral","sentiment_score":0.008474976755678654},{"text":"Statewide Emergency Plumbing.","start":256.66,"end":258.2,"sentiment":"neutral","sentiment_score":0.0217457078397274},{"text":"Yep.","start":262.67502,"end":263.17502,"sentiment":"neutral","sentiment_score":0.012904990464448929},{"text":"So it's my father's company since I was, like, 17 or so.","start":268.755,"end":273.335,"sentiment":"neutral","sentiment_score":0.00475667145413657},{"text":"We do roof plumbing every now and then.","start":296.055,"end":299.115,"sentiment":"neutral","sentiment_score":-0.0369311545509845}],"sentiment":"neutral","sentiment_score":-0.004992671655835929,"num_words":27,"start":253.7,"end":299.115},{"sentences":[{"text":"What what...","start":301.47,"end":302.21002,"sentiment":"neutral","sentiment_score":-0.06163975037634373},{"text":"Nah.","start":303.71002,"end":304.11002,"sentiment":"neutral","sentiment_score":-0.21383681893348697},{"text":"No way.","start":304.11002,"end":304.77002,"sentiment":"negative","sentiment_score":-0.3771830052137375},{"text":"I'm shit scared of heights, so nah.","start":305.87,"end":308.45,"sentiment":"negative","sentiment_score":-0.4719501882791519},{"text":"I'm talking, like, one or two story buildings.","start":309.07,"end":311.25,"sentiment":"neutral","sentiment_score":0.023555871564894915}],"sentiment":"neutral","sentiment_score":-0.21033433377742766,"num_words":20,"start":301.47,"end":311.25},{"sentences":[{"text":"I think my group certificate just gone said '96, but before But in saying that, I get paid in, like, cash a fair bit too.","start":329.32,"end":351.105,"sentiment":"neutral","sentiment_score":-0.009461092464625835},{"text":"So It varies.","start":351.105,"end":367.19,"sentiment":"neutral","sentiment_score":-0.03009009175002575},{"text":"Yeah.","start":368.13,"end":368.63,"sentiment":"neutral","sentiment_score":-0.008493740111589432},{"text":"Yep.","start":379.00497,"end":379.32498,"sentiment":"neutral","sentiment_score":0.009490305557847025},{"text":"Yep.","start":379.32498,"end":379.82498,"sentiment":"neutral","sentiment_score":0.0038973509799689054}],"sentiment":"neutral","sentiment_score":-0.01038398936901602,"num_words":31,"start":329.32,"end":379.82498},{"sentences":[{"text":"Like, is in the two of us or just personally?","start":383.51,"end":385.53,"sentiment":"neutral","sentiment_score":-0.01135706901550293},{"text":"Yep.","start":393.11,"end":393.61,"sentiment":"neutral","sentiment_score":0.012648308649659157},{"text":"It's a good question.","start":395.83,"end":396.81,"sentiment":"neutral","sentiment_score":0.04905039817094803},{"text":"I mean, currently, we...","start":400.345,"end":401.465,"sentiment":"neutral","sentiment_score":-0.0008586305193603039},{"text":"We're...","start":401.465,"end":401.70502,"sentiment":"neutral","sentiment_score":-0.024295499548316}],"sentiment":"neutral","sentiment_score":0.003377459477633238,"num_words":20,"start":383.51,"end":401.70502},{"sentences":[{"text":"I'm paying, like, $200 a week rent, which is nothing.","start":401.70502,"end":405.005,"sentiment":"neutral","sentiment_score":-0.032715515978634355},{"text":"Yeah.","start":407.545,"end":407.945,"sentiment":"neutral","sentiment_score":-0.06139868125319481},{"text":"I don't know.","start":407.945,"end":408.425,"sentiment":"neutral","sentiment_score":-0.08848633617162704},{"text":"Maybe...","start":408.425,"end":408.925,"sentiment":"neutral","sentiment_score":-0.10607729852199554},{"text":"I don't know.","start":410.185,"end":411.085,"sentiment":"neutral","sentiment_score":-0.11129376043876012}],"sentiment":"neutral","sentiment_score":-0.06077619052181641,"num_words":18,"start":401.70502,"end":411.085},{"sentences":[{"text":"We get, like, chalice fresh and stuff, so it's hard to figure out groceries because...","start":412.2,"end":417.9,"sentiment":"neutral","sentiment_score":-0.12194770177205404},{"text":"I don't know.","start":418.76,"end":419.32,"sentiment":"neutral","sentiment_score":-0.11810259272654851},{"text":"That...","start":419.32,"end":419.64,"sentiment":"neutral","sentiment_score":-0.06777352839708328},{"text":"I'd just say maybe a $100.","start":419.64,"end":421.66,"sentiment":"neutral","sentiment_score":-0.04914134740829468},{"text":"Yeah.","start":425.36502,"end":425.765,"sentiment":"neutral","sentiment_score":-0.0489477813243866}],"sentiment":"neutral","sentiment_score":-0.099811257651219,"num_words":26,"start":412.2,"end":425.765},{"sentences":[{"text":"I mean, it's probably not that much, but just...","start":425.765,"end":428.005,"sentiment":"neutral","sentiment_score":-0.07178563955757353},{"text":"Yeah.","start":428.005,"end":428.505,"sentiment":"neutral","sentiment_score":-0.029483459889888763},{"text":"Yeah.","start":430.64502,"end":430.885,"sentiment":"neutral","sentiment_score":-0.023300517350435257},{"text":"Just say around that, I guess.","start":430.885,"end":432.42502,"sentiment":"neutral","sentiment_score":-0.02931686583906412},{"text":"Yeah.","start":438.58002,"end":439.08002,"sentiment":"neutral","sentiment_score":-0.00528707355260849}],"sentiment":"neutral","sentiment_score":-0.04889127788030439,"num_words":18,"start":425.765,"end":439.08002},{"sentences":[{"text":"Yep.","start":441.30002,"end":441.80002,"sentiment":"neutral","sentiment_score":0.013742546550929546},{"text":"Yes.","start":453.14,"end":453.64,"sentiment":"neutral","sentiment_score":-0.0013608606532216072},{"text":"But it's sort of a bit...","start":453.835,"end":455.13498,"sentiment":"neutral","sentiment_score":-0.0769664232308666},{"text":"I mean, it's not it's not really up to date either.","start":455.835,"end":458.735,"sentiment":"neutral","sentiment_score":-0.09971307895400307},{"text":"I've switched that off for a minute.","start":472.05,"end":474.31,"sentiment":"neutral","sentiment_score":-0.05863533807652337}],"sentiment":"neutral","sentiment_score":-0.07525800340450726,"num_words":26,"start":441.30002,"end":474.31},{"sentences":[{"text":"I can't remember how long that's been.","start":477.81,"end":480.05,"sentiment":"neutral","sentiment_score":-0.08728286836828504},{"text":"It's probably only been, I don't know, five months or so.","start":480.05,"end":485.755,"sentiment":"neutral","sentiment_score":-0.07681202414360913},{"text":"Yeah.","start":491.975,"end":492.375,"sentiment":"neutral","sentiment_score":-0.001910245046019554},{"text":"Just trying to...","start":492.375,"end":493.435,"sentiment":"neutral","sentiment_score":-0.01602088784178098},{"text":"Yeah.","start":494.135,"end":494.635,"sentiment":"neutral","sentiment_score":-0.00969376601278782}],"sentiment":"neutral","sentiment_score":-0.06589473994529765,"num_words":23,"start":477.81,"end":494.635},{"sentences":[{"text":"Just trying to build that for now, and then I was gonna go back to it when, yeah, we're all sorted with that.","start":494.695,"end":502.13998,"sentiment":"neutral","sentiment_score":-0.03693609619918077},{"text":"A debt attached to it?","start":516.995,"end":518.53503,"sentiment":"neutral","sentiment_score":-0.13325982987880708},{"text":"Yeah.","start":524.5,"end":525.0,"sentiment":"neutral","sentiment_score":-0.08709464967250824},{"text":"No.","start":525.77997,"end":526.18,"sentiment":"neutral","sentiment_score":-0.14773127436637878},{"text":"That's...","start":526.18,"end":526.42,"sentiment":"neutral","sentiment_score":-0.12032897025346756}],"sentiment":"neutral","sentiment_score":-0.060354330847340244,"num_words":31,"start":494.695,"end":526.42},{"sentences":[{"text":"The car's paid for.","start":526.42,"end":527.72,"sentiment":"neutral","sentiment_score":-0.12503743544220924},{"text":"I don't know.","start":535.3,"end":535.94,"sentiment":"neutral","sentiment_score":-0.11921979735294978},{"text":"Maybe 25?","start":535.94,"end":538.2,"sentiment":"neutral","sentiment_score":-0.07257400080561638},{"text":"I've got a second car as well, which is also paid for, and that's probably valued around the same.","start":543.915,"end":552.65497,"sentiment":"neutral","sentiment_score":-0.017048572827326625},{"text":"Yep.","start":559.45,"end":559.95,"sentiment":"neutral","sentiment_score":0.08235730975866318}],"sentiment":"neutral","sentiment_score":-0.04291457618618834,"num_words":29,"start":526.42,"end":559.95},{"sentences":[{"text":"$175.","start":562.25,"end":564.43,"sentiment":"neutral","sentiment_score":0.06169654428958893},{"text":"No.","start":568.615,"end":569.015,"sentiment":"neutral","sentiment_score":-0.08593824505805969},{"text":"Just me.","start":569.015,"end":569.835,"sentiment":"neutral","sentiment_score":-0.07481438666582108},{"text":"Part of it.","start":576.695,"end":577.255,"sentiment":"neutral","sentiment_score":-0.0254657045006752},{"text":"Yep.","start":577.255,"end":577.755,"sentiment":"neutral","sentiment_score":0.03630295395851135}],"sentiment":"neutral","sentiment_score":-0.026745579205453396,"num_words":8,"start":562.25,"end":577.755},{"sentences":[{"text":"Not not entirely sure.","start":591.39,"end":592.67,"sentiment":"neutral","sentiment_score":-0.08102287165820599},{"text":"Maybe about $1.80.","start":592.67,"end":593.97,"sentiment":"neutral","sentiment_score":-0.04025872920950254},{"text":"But, I mean, that's combined.","start":595.31,"end":596.77,"sentiment":"neutral","sentiment_score":-0.026217465475201606},{"text":"So yeah.","start":596.83,"end":602.915,"sentiment":"neutral","sentiment_score":0.0072290911339223385},{"text":"Probably, like, from mine, maybe a 150.","start":602.915,"end":606.855,"sentiment":"neutral","sentiment_score":0.013900295365601778}],"sentiment":"neutral","sentiment_score":-0.02210451199096583,"num_words":21,"start":591.39,"end":606.855},{"sentences":[{"text":"Like, 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the...","start":687.005,"end":690.305,"sentiment":"neutral","sentiment_score":-0.013693918101489544}],"sentiment":"neutral","sentiment_score":-0.01709126199906071,"num_words":12,"start":672.64996,"end":690.305},{"sentences":[{"text":"What do you mean by that?","start":691.485,"end":692.605,"sentiment":"neutral","sentiment_score":-0.005748033989220858},{"text":"Like, ETF and stuff?","start":692.605,"end":694.29,"sentiment":"neutral","sentiment_score":0.004489192273467779},{"text":"It's just three 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I've got a Ventolin, but hardly ever used it.","start":871.755,"end":875.055,"sentiment":"neutral","sentiment_score":-0.14897482909939505}],"sentiment":"neutral","sentiment_score":-0.13318713754415512,"num_words":16,"start":854.715,"end":875.055},{"sentences":[{"text":"Yeah.","start":877.595,"end":877.995,"sentiment":"neutral","sentiment_score":-0.02660788968205452},{"text":"Apart from the usual, like, hay fever shit that I'm not really.","start":877.995,"end":883.375,"sentiment":"neutral","sentiment_score":-0.08715583415081103},{"text":"Yeah.","start":895.08,"end":895.16,"sentiment":"neutral","sentiment_score":-0.04361024498939514},{"text":"Just like an asthma puff are, I'm 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@gmail.com.","start":2589.75,"end":2601.4502,"sentiment":"neutral","sentiment_score":0.02967527061700821}],"sentiment":"neutral","sentiment_score":0.035926201553256425,"num_words":27,"start":2571.63,"end":2601.4502},{"sentences":[{"text":"Yep.","start":2608.955,"end":2609.455,"sentiment":"neutral","sentiment_score":0.031306251883506775},{"text":"Yep.","start":2610.875,"end":2611.375,"sentiment":"neutral","sentiment_score":0.06953850388526917},{"text":"Yes.","start":2612.395,"end":2612.895,"sentiment":"neutral","sentiment_score":0.09887136518955232},{"text":"Yep.","start":2624.6401,"end":2625.1401,"sentiment":"neutral","sentiment_score":0.07804283499717712},{"text":"Yep.","start":2637.195,"end":2637.695,"sentiment":"neutral","sentiment_score":0.13669204711914062}],"sentiment":"neutral","sentiment_score":0.0828902006149292,"num_words":5,"start":2608.955,"end":2637.695},{"sentences":[{"text":"Yeah.","start":2652.09,"end":2652.4102,"sentiment":"neutral","sentiment_score":0.10725919902324677},{"text":"Okay.","start":2652.4102,"end":2652.8901,"sentiment":"positive","sentiment_score":0.3714738190174103},{"text":"That'd be good.","start":2652.8901,"end":2653.61,"sentiment":"positive","sentiment_score":0.5948323806126913},{"text":"Thank you.","start":2653.61,"end":2654.27,"sentiment":"positive","sentiment_score":0.6209717392921448},{"text":"I'm probably...","start":2660.1948,"end":2660.755,"sentiment":"neutral","sentiment_score":0.0014549276093021035}],"sentiment":"positive","sentiment_score":0.38978705485351384,"num_words":9,"start":2652.09,"end":2660.755},{"sentences":[{"text":"Yeah.","start":2660.755,"end":2661.155,"sentiment":"neutral","sentiment_score":0.006580493412911892},{"text":"Sarah.","start":2661.155,"end":2661.655,"sentiment":"neutral","sentiment_score":0.002514882944524288},{"text":"Yeah.","start":2663.395,"end":2663.895,"sentiment":"neutral","sentiment_score":0.01548907719552517},{"text":"No.","start":2671.41,"end":2671.91,"sentiment":"neutral","sentiment_score":-0.02995094284415245},{"text":"Well, that's just...","start":2672.13,"end":2674.13,"sentiment":"neutral","sentiment_score":-0.018504389251271885}],"sentiment":"neutral","sentiment_score":-0.008697093863572394,"num_words":7,"start":2660.755,"end":2674.13},{"sentences":[{"text":"That's my mailing address, but she's at...","start":2674.13,"end":2678.4448,"sentiment":"neutral","sentiment_score":-0.006558645832618433},{"text":"Do you need her?","start":2678.4448,"end":2679.8298,"sentiment":"neutral","sentiment_score":-0.005662860698066652},{"text":"Okay.","start":2691.095,"end":2691.415,"sentiment":"neutral","sentiment_score":0.07410804182291031},{"text":"Yeah.","start":2691.415,"end":2691.7349,"sentiment":"neutral","sentiment_score":0.10322213172912598},{"text":"We'll we'll just do that, I think.","start":2691.7349,"end":2693.355,"sentiment":"neutral","sentiment_score":0.126185485294887}],"sentiment":"neutral","sentiment_score":0.04960333034978248,"num_words":20,"start":2674.13,"end":2693.355},{"sentences":[{"text":"Yep.","start":2702.18,"end":2702.68,"sentiment":"neutral","sentiment_score":0.08587940782308578},{"text":"So you could just review it every three days?","start":2728.19,"end":2730.29,"sentiment":"neutral","sentiment_score":0.03490441913406054},{"text":"Yeah.","start":2743.1052,"end":2743.6052,"sentiment":"neutral","sentiment_score":0.0979299694299698},{"text":"Yeah.","start":2743.665,"end":2744.165,"sentiment":"neutral","sentiment_score":0.11871851980686188},{"text":"Okay.","start":2754.0498,"end":2754.5498,"sentiment":"neutral","sentiment_score":0.1283268928527832}],"sentiment":"neutral","sentiment_score":0.05730727400917273,"num_words":13,"start":2702.18,"end":2754.5498},{"sentences":[{"text":"Yeah.","start":2755.01,"end":2755.3298,"sentiment":"neutral","sentiment_score":0.16370882093906405},{"text":"That that one sounds better.","start":2755.3298,"end":2756.95,"sentiment":"neutral","sentiment_score":0.29294166564941404},{"text":"Yeah.","start":2760.0498,"end":2760.5498,"sentiment":"neutral","sentiment_score":0.23198342323303223},{"text":"I could get it printed out.","start":2770.495,"end":2771.855,"sentiment":"neutral","sentiment_score":0.11136792227625847},{"text":"That's fine.","start":2771.855,"end":2772.595,"sentiment":"neutral","sentiment_score":0.20493361353874207}],"sentiment":"neutral","sentiment_score":0.19589835554361343,"num_words":15,"start":2755.01,"end":2772.595},{"sentences":[{"text":"Yep.","start":2789.6,"end":2790.1,"sentiment":"neutral","sentiment_score":0.08942864835262299},{"text":"Yep.","start":2807.97,"end":2808.47,"sentiment":"neutral","sentiment_score":0.021940018981695175},{"text":"I mean, I honestly got no idea what I'm doing those days yet, so not not really.","start":2818.45,"end":2822.995,"sentiment":"neutral","sentiment_score":-0.2824733467663036},{"text":"Just...","start":2822.995,"end":2823.495,"sentiment":"neutral","sentiment_score":-0.09940779209136964},{"text":"Yeah.","start":2825.315,"end":2825.815,"sentiment":"neutral","sentiment_score":-0.06354746222496033}],"sentiment":"neutral","sentiment_score":-0.2311254039051987,"num_words":21,"start":2789.6,"end":2825.815},{"sentences":[{"text":"It doesn't really matter.","start":2825.955,"end":2827.895,"sentiment":"neutral","sentiment_score":-0.07928947545588017},{"text":"I know...","start":2828.275,"end":2828.935,"sentiment":"neutral","sentiment_score":-0.028705700300633907},{"text":"When I returned call last week to make this appointment, I I noticed that one of the numbers you guys call off comes up on my phone as, like, do you have a Androids come up with the, like, potential scam or whatever?","start":2829.155,"end":2846.07,"sentiment":"neutral","sentiment_score":-0.14356022648686587},{"text":"Yeah.","start":2855.4248,"end":2855.7449,"sentiment":"neutral","sentiment_score":-0.05271705985069275},{"text":"I was...","start":2855.7449,"end":2856.305,"sentiment":"neutral","sentiment_score":-0.049093712121248245}],"sentiment":"neutral","sentiment_score":-0.12881852933563864,"num_words":52,"start":2825.955,"end":2856.305},{"sentences":[{"text":"That's...","start":2856.305,"end":2856.805,"sentiment":"neutral","sentiment_score":-0.06607555598020554},{"text":"No.","start":2857.9849,"end":2858.2249,"sentiment":"neutral","sentiment_score":-0.12958043813705444},{"text":"It didn't.","start":2858.2249,"end":2858.785,"sentiment":"neutral","sentiment_score":-0.11751117929816246},{"text":"Just that's...","start":2858.785,"end":2859.505,"sentiment":"neutral","sentiment_score":-0.09539743140339851},{"text":"Yeah.","start":2859.505,"end":2859.9048,"sentiment":"neutral","sentiment_score":-0.009738612920045853}],"sentiment":"neutral","sentiment_score":-0.09017311834863254,"num_words":7,"start":2856.305,"end":2859.9048},{"sentences":[{"text":"That's that's why I was probably hard to get in contact with.","start":2859.9048,"end":2863.54,"sentiment":"neutral","sentiment_score":-0.15194223448634148},{"text":"Yep.","start":2874.6401,"end":2874.915,"sentiment":"neutral","sentiment_score":0.014900422655045986},{"text":"Yep.","start":2883.395,"end":2883.895,"sentiment":"neutral","sentiment_score":-0.010884697549045086},{"text":"Yeah.","start":2895.4,"end":2895.9,"sentiment":"neutral","sentiment_score":-0.007948791608214378},{"text":"Yeah.","start":2895.96,"end":2896.46,"sentiment":"neutral","sentiment_score":-0.004067452158778906}],"sentiment":"neutral","sentiment_score":-0.11445670828106813,"num_words":16,"start":2859.9048,"end":2896.46},{"sentences":[{"text":"Yep.","start":2907.395,"end":2907.875,"sentiment":"neutral","sentiment_score":0.008699818514287472},{"text":"Yep.","start":2907.875,"end":2908.375,"sentiment":"neutral","sentiment_score":0.015605498105287552},{"text":"Yep.","start":2917.6802,"end":2918.1802,"sentiment":"neutral","sentiment_score":0.02408825233578682},{"text":"Yep.","start":2923.76,"end":2924.1602,"sentiment":"neutral","sentiment_score":0.07765138149261475},{"text":"That'd be fine.","start":2924.1602,"end":2925.3801,"sentiment":"neutral","sentiment_score":0.18558680017789206}],"sentiment":"neutral","sentiment_score":0.09754362156880754,"num_words":7,"start":2907.395,"end":2925.3801},{"sentences":[{"text":"Hey.","start":2927.275,"end":2927.515,"sentiment":"neutral","sentiment_score":0.32510414719581604},{"text":"Just to let you know that the reminder message I got this morning came through at 08:00, and it says reminder of your appointment at 8AM, Vic time, which is when I got the message.","start":2927.515,"end":2941.615,"sentiment":"neutral","sentiment_score":0.09244097492524556},{"text":"Yeah.","start":2948.98,"end":2949.48,"sentiment":"neutral","sentiment_score":-0.02679390273988247},{"text":"Alright.","start":2966.595,"end":2967.095,"sentiment":"neutral","sentiment_score":0.009482687339186668},{"text":"Okay.","start":2970.2751,"end":2970.7751,"sentiment":"neutral","sentiment_score":0.18855029344558716}],"sentiment":"neutral","sentiment_score":0.09568659865703338,"num_words":39,"start":2927.275,"end":2970.7751},{"sentences":[{"text":"Okay.","start":2980.1501,"end":2980.6301,"sentiment":"neutral","sentiment_score":0.267602801322937},{"text":"No worries.","start":2980.6301,"end":2981.19,"sentiment":"positive","sentiment_score":0.3827407509088516},{"text":"Thank you.","start":2981.19,"end":2982.01,"sentiment":"positive","sentiment_score":0.6733646988868713},{"text":"You too.","start":2984.4688,"end":2985.0288,"sentiment":"positive","sentiment_score":0.528818279504776},{"text":"See you.","start":2985.0288,"end":2985.6887,"sentiment":"positive","sentiment_score":0.48609553277492523}],"sentiment":"positive","sentiment_score":0.48996014727486503,"num_words":9,"start":2980.1501,"end":2985.6887}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi. Is this Reece? Reece,\n\nChannel 1: Yes.\n\nChannel 0: this is Jenna Phoning from Oakview Financial. How are you today?\n\nChannel 1: Good. Thanks. Yourself?\n\nChannel 0: I'm well. Thank you. Before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay?\n\nChannel 1: Yep. No worries.\n\nChannel 0: Fantastic. And, Reese, can I please ask you to confirm your full name, date of birth, and address, please?\n\nChannel 1: Reece, William Cartwright. 07/20/1987, and 19 Winnet Avenue, Warrandyte.\n\nChannel 0: Fantastic. Thank you for that. To avoid doing the three points of ID each time, did you wanna add a password to your file? You don't\n\nChannel 1: Like\n\nChannel 0: have to.\n\nChannel 1: like...\n\nChannel 0: It... It's\n\nChannel 1: That's\n\nChannel 0: it's...\n\nChannel 1: alright. It's not it's not that hard.\n\nChannel 0: Okay. That's alright. Okay. So the purpose of my call this morning is to run through your scheduled and your review. Do you have time to do that at the moment?\n\nChannel 1: Yep.\n\nChannel 0: Lovely. Okay. So probably the first thing I'd like to ask before we start is has there been any significant changes to your personal or financial situation since the last review you had?\n\nChannel 1: No. But we are currently talking to a mortgage broker. So\n\nChannel 0: Okay.\n\nChannel 1: I don't know if\n\nChannel 0: To refinance or\n\nChannel 1: that's just a buyer.\n\nChannel 0: to buy? Oh, fantastic.\n\nChannel 1: Yeah.\n\nChannel 0: How exciting is that?\n\nChannel 1: Yeah.\n\nChannel 0: When are you when are you thinking of buying?\n\nChannel 1: We're, Yes. We're going through that at the moment. So\n\nChannel 0: Okay.\n\nChannel 1: soon.\n\nChannel 0: Soon. And in and in Victoria where you are?\n\nChannel 1: Yeah.\n\nChannel 0: That's exciting. Oh, that's exciting. Hopefully, it all pans out quickly for you.\n\nChannel 1: Yeah. It should be be good.\n\nChannel 0: What what price range are you guys looking at?\n\nChannel 1: About 900.\n\nChannel 0: Yeah. Great. Oh, that's exciting. Oh, congratulations.\n\nChannel 1: Thanks.\n\nChannel 0: Something... It's something to look forward to. Alright. So, well, I've just made a note of that. But what I might do is just run through a few of the details we hold on file just to make sure that everything we do have is correct and up to date.\n\nChannel 1: Yep.\n\nChannel 0: So I don't actually have anything here recorded for your marital status. Do...\n\nChannel 1: It's\n\nChannel 0: Can you advise what that is?\n\nChannel 1: like the factor, I guess.\n\nChannel 0: Yeah. De facto.\n\nChannel 1: Yep.\n\nChannel 0: Okay. Lovely.\n\nChannel 1: Which... Oh, that's changing soon too.\n\nChannel 0: Is it a secret?\n\nChannel 1: No. No. We just\n\nChannel 0: No.\n\nChannel 1: no. We just pain ring shopping.\n\nChannel 0: Oh, exciting.\n\nChannel 1: Sorry\n\nChannel 0: Oh,\n\nChannel 1: for\n\nChannel 0: some\n\nChannel 1: that.\n\nChannel 0: more\n\nChannel 1: Yeah.\n\nChannel 0: exciting news.\n\nChannel 1: Yeah.\n\nChannel 0: Oh, that's exciting. Okay. The... So with your partner, what is their name?\n\nChannel 1: Sarah.\n\nChannel 0: Sarah and surname?\n\nChannel 1: McCray.\n\nChannel 0: How do I spell that?\n\nChannel 1: It's m c c r\n\nChannel 0: Yep.\n\nChannel 1: r e a. And\n\nChannel 0: E a.\n\nChannel 1: it's spelled\n\nChannel 0: Lovely.\n\nChannel 1: back to front\n\nChannel 0: And\n\nChannel 1: is what I'm used to.\n\nChannel 0: that's alright. And did you want Sarah noted here as your next of kin on file?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yeah? And what's her contact number?\n\nChannel 1: Sorry. What was that?\n\nChannel 0: What is her contact number?\n\nChannel 1: 0494\n\nChannel 0: Yes.\n\nChannel 1: 161\n\nChannel 0: Yeah.\n\nChannel 1: 410.\n\nChannel 0: Lovely. And do you guys have any dependents?\n\nChannel 1: No.\n\nChannel 0: No. Okay. Now, Reese, I have you here your occupation as a plumber. Is that still correct? Yeah.\n\nFantastic. And employed full\n\nChannel 1: Yes.\n\nChannel 0: time?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. What is your employer's name?\n\nChannel 1: The company name?\n\nChannel 0: Yeah.\n\nChannel 1: Statewide Emergency Plumbing.\n\nChannel 0: Statewide Emergency Plumbing. And\n\nChannel 1: Yep.\n\nChannel 0: how long have you been been with them for?\n\nChannel 1: So it's my father's company since I was, like,\n\nChannel 0: Oh,\n\nChannel 1: 17\n\nChannel 0: okay.\n\nChannel 1: or so.\n\nChannel 0: Yep. Okay. Yeah. Fantastic. Alright.\n\nSorry. I'm just making a note. And do you work at... Heights is a bit of a silly question, but any work at heights or handle any hazardous material?\n\nChannel 1: We do roof plumbing every now and then.\n\nChannel 0: Yeah? Would\n\nChannel 1: What\n\nChannel 0: it be\n\nChannel 1: what...\n\nChannel 0: over 12 meters?\n\nChannel 1: Nah. No way.\n\nChannel 0: No. No.\n\nChannel 1: I'm shit scared of heights, so nah. I'm talking, like, one or two story buildings.\n\nChannel 0: Yes. Beautiful. Alright. And what... We have your income taxable gross amount in...\n\nAt a 114,000. Is that still correct or has that changed?\n\nChannel 1: I think my group certificate just gone said '96,\n\nChannel 0: Yep.\n\nChannel 1: but\n\nChannel 0: Was that was that after your tax deductions or before?\n\nChannel 1: before\n\nChannel 0: Yeah.\n\nChannel 1: But in saying that, I\n\nChannel 0: Okay.\n\nChannel 1: get paid in, like, cash a fair bit too. So\n\nChannel 0: Yeah. Okay. Alright. Too easy. With your expenditure per week, we didn't have anything down.\n\nWe only had a thousand dollars of savings per week. Has that changed?\n\nChannel 1: It varies.\n\nChannel 0: Yeah?\n\nChannel 1: Yeah.\n\nChannel 0: Okay. Expenditure wise, probably being maybe the more fixed as possible one. What\n\nChannel 1: Yep.\n\nChannel 0: do you\n\nChannel 1: Yep.\n\nChannel 0: reckon your expenditure is per week?\n\nChannel 1: Like, is in the two of us or just personally?\n\nChannel 0: Either or. You can probably just... You're you're part of it considering we don't have Sarah's details.\n\nChannel 1: Yep. It's a good question. I mean, currently, we... We're... I'm paying, like, $200 a week rent, which is\n\nChannel 0: Yep.\n\nChannel 1: nothing.\n\nChannel 0: Mhmm.\n\nChannel 1: Yeah. I don't know. Maybe... I don't know. We get, like, chalice fresh and stuff, so it's hard to figure out groceries because...\n\nI don't know. That... I'd just say maybe a $100.\n\nChannel 0: Yeah. Awake?\n\nChannel 1: Yeah. I mean, it's probably not that much, but just... Yeah. Yeah.\n\nChannel 0: Okay.\n\nChannel 1: Just say around that, I guess.\n\nChannel 0: Yeah. And your savings would vary. So the difference would be savings, do you\n\nChannel 1: Yeah.\n\nChannel 0: think?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Okay. And you receive SG contributions, so the super contributions?\n\nChannel 1: Yes. But it's\n\nChannel 0: Yeah?\n\nChannel 1: sort of a bit... I mean, it's not it's not really up to date either.\n\nChannel 0: Okay. Alright. And I have here that you made some salary sacrifice contributions in the past. Are you still doing those?\n\nChannel 1: I've switched that off for a minute.\n\nChannel 0: Yep.\n\nChannel 1: I can't remember how long that's been. It's probably only been, I don't know, five months or so.\n\nChannel 0: Yeah. That's alright. Is that due to, you know, going through the mortgage process?\n\nChannel 1: Yeah. Just trying to... Yeah. Just trying to\n\nChannel 0: Mhmm.\n\nChannel 1: build that for now, and then I was gonna go back to it when, yeah, we're all sorted with that.\n\nChannel 0: Mhmm. Okay. That's fine. Now assets and liability wise, we only had a car here with no value but a debt attached of 35,000. Is that still correct?\n\nChannel 1: A debt attached to it?\n\nChannel 0: Yeah. Or it might just be in the wrong spot on our system. It might be valued at 35 with no\n\nChannel 1: Yeah.\n\nChannel 0: debt. I just\n\nChannel 1: No. That's... The car's paid for.\n\nChannel 0: okay. And how much do you... Is that valued at, do you think?\n\nChannel 1: I don't know. Maybe 25?\n\nChannel 0: Yeah. Any other assets and liabilities?\n\nChannel 1: I've got a second car as well, which is also paid for,\n\nChannel 0: Yeah.\n\nChannel 1: and that's probably valued around the same.\n\nChannel 0: Yeah. Okay. Any savings that you have?\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: $175.\n\nChannel 0: Yep. Is that you and Sarah Tether?\n\nChannel 1: No. Just me.\n\nChannel 0: No. Just you. And is that... I'm... Is it gonna guess going towards the house?\n\nChannel 1: Part of it. Yep.\n\nChannel 0: Yep. Okay. And how much do you think you're gonna be using for a deposit?\n\nChannel 1: Not not entirely sure. Maybe about $1.80. But, I mean, that's combined. So\n\nChannel 0: Yeah. Okay.\n\nChannel 1: yeah. Probably, like, from mine, maybe a 150.\n\nChannel 0: Okay. Alright. Lovely. And with that, I guess, the the surplus, is that a cash buffer? Is that...\n\nWhat is that for you?\n\nChannel 1: Like,\n\nChannel 0: The remain...\n\nChannel 1: didn't... Oh.\n\nChannel 0: The... After the deposit?\n\nChannel 1: Yeah. Just... I don't know. Just... I don't know.\n\nDidn't wanna give the whole lot.\n\nChannel 0: Yeah. Yeah. So it kind of used as an emergency.\n\nChannel 1: Yeah. I'm sort of still... I've still undecided which way to go with it because I've got shares as well, which aren't... I mean, they're not doing a whole lot. But,\n\nChannel 0: Mhmm.\n\nChannel 1: yeah, I'm sort of undecided if I sell them and use that to make the mortgage cheaper or\n\nChannel 0: Okay.\n\nChannel 1: leave it.\n\nChannel 0: How how much are the shares worth?\n\nChannel 1: 42, I think. 43 maybe.\n\nChannel 0: Any... Yeah. Any debt attached to those?\n\nChannel 1: Any what? Sorry?\n\nChannel 0: Any debt attached to those?\n\nChannel 1: To the shares?\n\nChannel 0: Yeah.\n\nChannel 1: No.\n\nChannel 0: No. What kind of shares are they? Like,\n\nChannel 1: Just\n\nChannel 0: are they\n\nChannel 1: on\n\nChannel 0: a mixture?\n\nChannel 1: just on the... What do you mean by that? Like, ETF\n\nChannel 0: Oh, like,\n\nChannel 1: and stuff?\n\nChannel 0: is it a, yeah, is it is it specific shareholdings in a specific company, or is it a combination of them, of different companies you hold?\n\nChannel 1: It's just three ETFs.\n\nChannel 0: Oh, three ETFs. Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Fantastic. And did you set those up yourself?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. Okay. Did you wanna seek advice on whether... Like, what the capital gains would be if you were to sell them and so on, or you're happy to manage that yourself?\n\nChannel 1: I mean, potentially. I just wouldn't wouldn't\n\nChannel 0: Yeah.\n\nChannel 1: be able to do that today, though.\n\nChannel 0: No. That's absolutely fine.\n\nChannel 1: I've got crypto as well, which was really unsure.\n\nChannel 0: Mhmm. How much do you have with that?\n\nChannel 1: That's currently worth about 70 k.\n\nChannel 0: Yep.\n\nChannel 1: I don't really buy and sell. At one stage, it went up to\n\nChannel 0: Yeah.\n\nChannel 1: just over $120,\n\nChannel 0: Nice.\n\nChannel 1: but I left it. And, yeah, it came all the way back down to 50 maybe, but it's sort of gone back up. So I just I just left it.\n\nChannel 0: Yep. Okay.\n\nChannel 1: Told myself if it ever got to that price, it was that I'd sell it.\n\nChannel 0: Alright. Okay. So they're back up to the $1.20?\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: And\n\nChannel 1: Because\n\nChannel 0: that's still that's still your your your goal or ambition at the moment for that?\n\nChannel 1: Well, I mean, if I don't have to touch it, I guess I'd leave it. But...\n\nChannel 0: Yep.\n\nChannel 1: Yeah. So I'm sure maybe it's... Yeah. Maybe it's the worst getting rid of it and I don't know. Making\n\nChannel 0: Yeah.\n\nChannel 1: the mortgage paper, I suppose.\n\nChannel 0: Okay. Alright. Any other assets you can think of?\n\nChannel 1: Like, in... Like like what? What do you mean?\n\nChannel 0: Gosh. Any other investment assets outside of your superannuation? Any other savings? Boats, caravans, anything like that?\n\nChannel 1: No. No.\n\nChannel 0: No? Okay. Beautiful. Have you ever been declared bankrupt or been a part of a death agreement?\n\nChannel 1: No.\n\nChannel 0: No? Lovely. And moving on to health and lifestyle questions here. Are you a\n\nChannel 1: Mhmm.\n\nChannel 0: smoker?\n\nChannel 1: No.\n\nChannel 0: No. Any significant health issues or injuries?\n\nChannel 1: No.\n\nChannel 0: No. Do you take medication for anything?\n\nChannel 1: Just like... I mean, I've got a Ventolin, but hardly ever used it.\n\nChannel 0: Yep. Okay.\n\nChannel 1: Yeah. Apart from the usual, like, hay fever shit that\n\nChannel 0: Oh,\n\nChannel 1: I'm\n\nChannel 0: yeah.\n\nChannel 1: not really.\n\nChannel 0: No. Just medicate. Kind of like prescription medication. So your insulin, is that what is that for?\n\nChannel 1: Yeah. Just like an asthma puff are, I'm in.\n\nChannel 0: Oh, asthma, papa. Sorry.\n\nChannel 1: Yeah.\n\nChannel 0: I thought\n\nChannel 1: Yeah.\n\nChannel 0: you said I\n\nChannel 1: Nah.\n\nChannel 0: thought you said insulin. Sorry. I I didn't\n\nChannel 1: Nah.\n\nChannel 0: wanna assume whether it was what type of diabetes it was, so it's... That's\n\nChannel 1: I\n\nChannel 0: fine.\n\nChannel 1: definitely don't have\n\nChannel 0: My\n\nChannel 1: that.\n\nChannel 0: mistake. My mistake. Do you have any private health insurance?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Who's that with?\n\nChannel 1: HCF.\n\nChannel 0: Okay. And what's your height and weight?\n\nChannel 1: My height? Question. I think I'm a hundred and seventy\n\nChannel 0: Yep.\n\nChannel 1: five centimeters maybe\n\nChannel 0: Yep. And wait.\n\nChannel 1: and seventy one.\n\nChannel 0: Lovely. And then probably last lot of the invasive questions I have for you this morning.\n\nChannel 1: Yep.\n\nChannel 0: Do you have a will and power of attorney in place?\n\nChannel 1: No.\n\nChannel 0: No. Is it something you and Sarah are looking at?\n\nChannel 1: Honestly, we've never spoken about\n\nChannel 0: Yep.\n\nChannel 1: it.\n\nChannel 0: Okay.\n\nChannel 1: Eventually, she's... Yeah.\n\nChannel 0: Yep.\n\nChannel 1: I don't know. It's very hard, like, all this life decisions we've been making are, like, six months to a year in advance because she's Canadian\n\nChannel 0: Mhmm. Yeah. Okay.\n\nChannel 1: and moved here August 2024. And\n\nChannel 0: Yep.\n\nChannel 1: we've got,\n\nChannel 0: Okay.\n\nChannel 1: like, permanent residency in July. So it's been been hard to make decisions because, you know, everything's a bit of a waiting game. But, yeah, now we're sort of on top of all that.\n\nChannel 0: Yeah. Okay. That makes sense. That absolutely makes sense. Alright.\n\nAlright. So we had here that you wanted to go to Canada once or twice a year. Is that still something you've... You both plan on working towards?\n\nChannel 1: Yeah. We've been the last two years.\n\nChannel 0: Yep. So it'd be more... Is is it her family over there?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. So would it be more likely be once a year if you purchase a property and have other expenses come up or still aiming for twice a year?\n\nChannel 1: Honestly, no idea. It's just probably gonna\n\nChannel 0: Yeah.\n\nChannel 1: vary depending on...\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. I understand.\n\nChannel 1: Yeah.\n\nChannel 0: So outside of probably those goals and objectives, being traveling to Canada, purchasing your new home, ring shopping, potentially looking at investment options and what to do with those in relation to the house that you intend on purchasing.\n\nChannel 1: Yep.\n\nChannel 0: Anything outside of that that you can think of that would be a goal that you need to work towards or wanna look at from a financial planning personal lifestyle perspective?\n\nChannel 1: I don't know. Honestly, like, I don't know. It's kinda it's kinda been, like, one thing at a time, I suppose. Trying to... Yeah.\n\nI don't know. It's hard to decide that before, like, the house and stuff like that.\n\nChannel 0: Of course. Of course. Okay. That's good. That's good.\n\nThat gives me something to kind of work around. Just with your superannuation, what would you... What is it that you're hoping to achieve with your superannuation? Like, what are your goals for it?\n\nChannel 1: Yeah. I don't know. Before the whole house venture, I thought about I thought about going down this road of buying a rental with it, but\n\nChannel 0: Mhmm.\n\nChannel 1: I've sort of been on the show.\n\nChannel 0: Yeah. Yeah. So those rules have changed recently\n\nChannel 1: Yep.\n\nChannel 0: in relation to residential property within self managed super funds. It's the... It's more now that you are able to buy commercial properties\n\nChannel 1: Yeah.\n\nChannel 0: as opposed to residential properties. So those rules did change only recently.\n\nChannel 1: Yeah.\n\nChannel 0: So...\n\nChannel 1: I mean, it didn't\n\nChannel 0: Yes.\n\nChannel 1: necessarily have to be residential. Just,\n\nChannel 0: Mhmm.\n\nChannel 1: you know, and, obviously, because they they can't live in it anyway. So\n\nChannel 0: Yep. Yep. Okay. So you would be restricted to a commercial type property. Is that something you're still thinking about?\n\nOr...\n\nChannel 1: Potentially. Like, if it's... Yeah. I guess I'd... I don't know.\n\nIt depends on the recommendation, I suppose, what's\n\nChannel 0: Yeah.\n\nChannel 1: a better way to go about it.\n\nChannel 0: Mhmm. Okay. If we're looking at that, what would be the time frame you'd wanna look at that in?\n\nChannel 1: What to well, I guess it depends on what you guys recommend, I suppose.\n\nChannel 0: Yeah. It it... Would it be a goal in, say, for example, two years time to look at it or three? Depending on what you've got going on now with the home, is it something that would be prioritized towards, I don't know, maybe post organizing your residential purchase. Probably just the time frame of when you think.\n\nChannel 1: Yeah. I don't know. Maybe, like, two years,\n\nChannel 0: Two years? Okay. Yep. And cost wise in superannuation,\n\nChannel 1: I\n\nChannel 0: is that something that you think about or is important to you, like, the\n\nChannel 1: suppose.\n\nChannel 0: fees involved and... Or is it returns that you're more more after?\n\nChannel 1: I mean, yeah, definitely a return, I suppose.\n\nChannel 0: Yep. Yep. Okay. The reason why I ask is a self managed super fund typically is significantly more expensive than the type of arrangement you have now, especially when you take property into consideration. So I do ask that for a reason.\n\nChannel 1: Yeah. That's\n\nChannel 0: Okay. So you're not overly fee conscious. It's more what's gonna potentially...\n\nChannel 1: Yeah. I mean, it was\n\nChannel 0: Yep.\n\nChannel 1: just a thought with not knowing\n\nChannel 0: Mhmm.\n\nChannel 1: which way to go and obviously, with all the\n\nChannel 0: Yeah.\n\nChannel 1: real changes you were saying. Yeah. Sort of...\n\nChannel 0: Yep.\n\nChannel 1: I don't know. Because, like, before we were gonna buy a house, we, you know, was potentially gonna rent, and and then I was gonna maybe go down that avenue of buying, like, a rental or something like that.\n\nChannel 0: Yeah. Okay.\n\nChannel 1: But we're sort of not set on anything or just a little bit of an you know, a few ideas in that stage.\n\nChannel 0: Okay. Alright. Alright. Leave that one with me. I'll have a look at that.\n\nAnd then with estate planning, I'm just gonna mention, it's probably something that yourself and Sarah do need to look at. Particularly, like, looking at your net wealth individually, you've got some significant net wealth there even outside of your potential house purchase in the future.\n\nChannel 1: Yep.\n\nChannel 0: If something was to happen to you, there's no legal document in place directing where you want your assets to be transferred or paid to.\n\nChannel 1: Yes.\n\nChannel 0: Without that, it goes through, basically, the public trustees to make those decisions, and it can be a drawn out process. So if Sarah has somewhat of a similar situation to yourself, it is probably worth looking into getting a will, drawn up. Additionally,\n\nChannel 1: Yep.\n\nChannel 0: a power of attorney, which allows someone to make, you appoint someone to make financial and health decisions on your behalf should you be unable to do so, so if you're incapacitated in any way.\n\nChannel 1: Yep.\n\nChannel 0: So that's probably something you should both definitely look out.\n\nChannel 1: K.\n\nChannel 0: I can send you through a brochure for someone that we work with. Cost wise, very reasonable considering some of the ones I've seen in the past. So\n\nChannel 1: Mhmm.\n\nChannel 0: I can\n\nChannel 1: I got\n\nChannel 0: send\n\nChannel 1: it.\n\nChannel 0: that through to you if you like.\n\nChannel 1: Yep. That'd be good.\n\nChannel 0: Yeah.\n\nChannel 1: Okay.\n\nChannel 0: Okay. And then... Okay. Sorry. Just writing that down.\n\nThis is one of my little action items to do. What I'm going to do now is... Do you have access to your emails at all?\n\nChannel 1: Yep.\n\nChannel 0: Yeah?\n\nChannel 1: Yep.\n\nChannel 0: I am going to send you an email. It is gonna have your annual review documents within them, and we're just gonna talk through those. When you do receive it, you will need to open it and click the button that says sign here or click here to complete. You're not signing anything at the moment. We're simply just gonna talk through those documents\n\nChannel 1: Yep.\n\nChannel 0: in relation to your review and discuss any key areas. So when you\n\nChannel 1: Okay.\n\nChannel 0: have that open, can you please let me know? It should come from Odusign or Jenna Wheeler Odusign.\n\nChannel 1: I have got that. Hold this. It's open.\n\nChannel 0: Beautiful. So the first document you should be seeing is the summary of super and insurance.\n\nChannel 1: Yep.\n\nChannel 0: So what this is is a summary page of where your situation's at. Currently, your super is held within hub 24 with an approximate balance\n\nChannel 1: Yep.\n\nChannel 0: of 201,414, and you have life and TPD insurance of 326,197. That premium is funded through HUB24, your super balance,\n\nChannel 1: Yep.\n\nChannel 0: and it's $425.65 a\n\nChannel 1: Mhmm.\n\nChannel 0: year. Now looking at your insurance, you don't have income protection or trauma insurance. Have they been explained to you in the past?\n\nChannel 1: I used to have income protection, and it\n\nChannel 0: Mhmm.\n\nChannel 1: was steps... I think it started off, like, $180 a month, and by the end, it was, like, 300 and something.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. I didn't have health insurance then, so I I mean, it's probably not the same, but my health insurance... I got that and the income protection, and\n\nChannel 0: Mhmm.\n\nChannel 1: my health insurance has got, like, an accident cover.\n\nChannel 0: Mhmm.\n\nChannel 1: So that's just what I've, yeah, what I've got at the moment.\n\nChannel 0: Okay. Given that you're looking at purchasing a home,\n\nChannel 1: Mhmm.\n\nChannel 0: if something was to happen to you injury or illness wise...\n\nChannel 1: Yep.\n\nChannel 0: I mean, you've got the accident policy, which is is... Sounds like a general type insurance product. It... It's it's something at least. But if you are unable to work due to injury or illness, you'd\n\nChannel 1: Yeah.\n\nChannel 0: have no source of income. So income protection is something I would probably suggest looking at. Premiums, we can definitely look at. And premiums are, for example, they will vary depending on the terms of the policy that you have. So there's something called a waiting period, which is the number of days you need to wait before you're eligible to be paid from a claim.\n\nSo they vary\n\nChannel 1: Yep.\n\nChannel 0: from thirty days to sixty days to ninety days. Looking at your cash reserves and assets, you know, you have funds available to you\n\nChannel 1: Mhmm.\n\nChannel 0: to have a longer waiting period to make the premium more affordable, should that be something that you want to look at. The other thing that impacts the premium is what we call a benefit period. So that goes from two years to five years to eight sixty five and varies amongst different companies.\n\nChannel 1: Yeah.\n\nChannel 0: And what that means is depending on the severity of your injury or illness, it's the maximum term you can be paid for that particular injury or illness. So that also does impact the premium, but I would strongly recommend given the fact that you're looking at purchasing a home. If\n\nChannel 1: Yep.\n\nChannel 0: you are unable to pay that mortgage, that's gonna put financial strain on you and Sarah. We can at least look at it at the cost of it. What you can do is cover up to 70% of your taxable income, so it'd be 70% of the 96,000. So it's not\n\nChannel 1: Yep.\n\nChannel 0: gonna cover everything, but it's designed to help cover the essentials. Is\n\nChannel 1: Okay.\n\nChannel 0: that something you want me to look at for you?\n\nChannel 1: Potentially. But to be honest, I... When I had it and\n\nChannel 0: Mhmm.\n\nChannel 1: I thought it was too expensive, I looked into\n\nChannel 0: Mhmm.\n\nChannel 1: bank\n\nChannel 0: Mhmm.\n\nChannel 1: changing it. And then it's like I was too honest on the\n\nChannel 0: Okay.\n\nChannel 1: questionnaire because the quote I got back was more expensive. So I just got rid of it.\n\nChannel 0: Alright. Let's visit that in a second. I'll ask some more questions about that in a second. The... I'm assuming that's to do with lifestyle questions that you\n\nChannel 1: Yeah.\n\nChannel 0: would...\n\nChannel 1: That\n\nChannel 0: Yeah.\n\nChannel 1: as well. But also, it was like, you know, if I had counseling or something before. You\n\nChannel 0: Yeah.\n\nChannel 1: know what I mean? That seemed to\n\nChannel 0: Yeah.\n\nChannel 1: go through the roof.\n\nChannel 0: Yeah. Yeah. So typically, what would happen in that scenario is not necessarily a increase in premium. It's more likely to have an exclusion for that type of thing. So what I'll do is I might touch on that in a little bit in a little bit further detail.\n\nAnd, again, we don't have to look at it. It's just I need to provide you with the information so you can\n\nChannel 1: Yep.\n\nChannel 0: consider\n\nChannel 1: Okay.\n\nChannel 0: it at least.\n\nChannel 1: Yep.\n\nChannel 0: And then the other type of policy is trauma. So what that is is it's a lump sum benefit that's paid tax free. The premium is paid from your personal cash flow. If you're\n\nChannel 1: Yep.\n\nChannel 0: diagnosed with a insurable event, so they range from different types of cancer, heart attack, stroke,\n\nChannel 1: Yes.\n\nChannel 0: and they're designed to kind of be a stop gap between your income protection and returning to work. Typically, some funds there to cover out of pocket medical expenses and a little bit of a recuperation period. Is that something\n\nChannel 1: Yep.\n\nChannel 0: you'd wanna\n\nChannel 1: I mean, I'd\n\nChannel 0: look\n\nChannel 1: probably speak to my partner\n\nChannel 0: into?\n\nChannel 1: about it first.\n\nChannel 0: Yep. Yep. I can send you some information on that with the estate planning brochure too.\n\nChannel 1: Yeah. Maybe just the maybe just the things that I should look into. You know what I mean? Consider,\n\nChannel 0: Yep.\n\nChannel 1: as you\n\nChannel 0: Yep.\n\nChannel 1: were saying.\n\nChannel 0: Absolutely. I can do that. Absolutely. Alright. The next document in that pack is your performance report with Hub.\n\nThe\n\nChannel 1: Yep.\n\nChannel 0: first thing that we'll talk about is that top fund there being the Bannalong Australian Equities Fund. You'll\n\nChannel 1: Yeah.\n\nChannel 0: see that over the last twelve months, it's significantly underperformed.\n\nChannel 1: Sorry. Sorry. Click... Sorry. I was meant to click next document.\n\nChannel 0: No. That's okay. Yep. So the next... So this is your performance with your superannuation over the last twelve months.\n\nNow that first fund at the top there investment option is the Bennelong Australian Equities Fund.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Had a a rather poor performance in the last twelve months. The reason being is that each different investment manager has different mandates or philosophies,\n\nChannel 1: Yep.\n\nChannel 0: and then\n\nChannel 1: Yep.\n\nChannel 0: along Australian Equities Fund is to, best way to explain this, source Australian companies within the share market that they believe are undervalued for\n\nChannel 1: Yep.\n\nChannel 0: potential future growth. In the last twelve months, it's really been the financials and the resources that performed, leaving Bennelong's investment philosophy to not be as fruitful as it has in previous years. So\n\nChannel 1: Yep.\n\nChannel 0: given that, as a company, we have reviewed that along for our clients. And at the moment, we're looking at alternatives for clients for replacements. Is that something that you're happy for me to look out for you?\n\nChannel 1: Yeah. Definitely.\n\nChannel 0: Yeah? Lovely. The other one... There's two others in your portfolio that I do wanna have a look at as well. The second one down being the beta bank hybrids.\n\nChannel 1: Yep.\n\nChannel 0: There's nothing fundamentally wrong with that investment option. There's just some changes in the market coming. So from January 2027, the Australian banking system's gonna be phasing out the hybrid investment options.\n\nChannel 1: Yep.\n\nChannel 0: So rather than sitting and waiting to see what the replacement option's gonna be, I wanna be a little bit more proactive to look at alternatives now while it's still valued while producing an income and whatnot. So if you're happy for me to do that, I'd like to do that also.\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: And then the last one in your portfolio is the bottom one, the Van Eck Property ETF unit. Property is taking a bit of a nosedive due to a number of reasons,\n\nChannel 1: Yeah.\n\nChannel 0: mainly interest rates at the present moment.\n\nChannel 1: Yeah.\n\nChannel 0: So I'd like to look at your property exposure as a whole in the portfolio and see if that's something that we wanna retain in your portfolio moving forward.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Okay. Fantastic. So overall, in the last twelve months, you have had a net return, so that's after phase, of 2.95%.\n\nChannel 1: Yep.\n\nChannel 0: Now the Bennelong Fund itself has turned around and improved... Is performing positively in the last couple of months so that your next twelve month return is looking much better, but we have you invested as a high growth investor. So what that means is we have 90% of your assets allocated to growth funds, which is shares, listed property, and then 10% to defensive assets such as fixed interest and cash.\n\nChannel 1: Yep.\n\nChannel 0: What that means is one in every five years, you can expect statistically a negative year,\n\nChannel 1: Yep.\n\nChannel 0: and then that variance being between plus or minus 14%. So, you know, in a good year, you could potentially expect a plus of 14%. In a bad year, you could expect the opposite essentially. And\n\nChannel 1: Yeah.\n\nChannel 0: that's due to the amount of assets you have in the growth sector. The expected return between a high growth... In a high growth portfolio is between eight to 10% a year, averaged\n\nChannel 1: Yep.\n\nChannel 0: out. So not every year, but averaged out. And a minimum time frame of investment for eight years. So what that tells us is is that to withstand the fluctuations within the market, you'd need to be invested in that type of gross... High growth portfolio for at least eight years to, in a bad year, make back the the funds, basically.\n\nChannel 1: Yeah.\n\nChannel 0: So given that you're twenty one years away at the moment\n\nChannel 1: Mhmm.\n\nChannel 0: from being legally able to access your superannuation, you do have time on your side to remain invested in a high growth portfolio should that be something that you are still comfortable with.\n\nChannel 1: Yeah. I think so.\n\nChannel 0: Yeah? Well, the next document over, if you click next, it just talks a little bit... I'd use this as a a guide just to understand the risk profile a little bit more. So in the top four there, you'll see US shares, Australian shares, international, and listed property.\n\nChannel 1: Yep.\n\nChannel 0: They're your growth assets. So that's where we would expect to see about 90% of your superannuation invested across those different sectors, and you can see the volatility that those experience.\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: The bottom two being bonds and cash, they're your defensive assets. So over the long term, minimal growth, more income producing.\n\nChannel 1: Yep.\n\nChannel 0: So in... As we get to retirement, you see that those gross asset exposures typically decrease, and the income producing ones increase a little bit. So it takes a bit of a a change.\n\nChannel 1: Yep.\n\nChannel 0: So worldwide events, you know, can can cause the market to behave in different ways. Across the top of the page there, you'll see different events that have occurred being COVID nineteen, for example. The market took a significant dip, but then also recovered. So understanding that the market does behave differently\n\nChannel 1: Yep.\n\nChannel 0: in different times is something that's important for someone invested in a high growth portfolio. Understanding that there are gonna be negatives and bad times, but you do have time on your side to withstand that if you are comfortable with it.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Do you think that maintaining a high growth portfolio is something that you wanna continue with?\n\nChannel 1: I think so. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Okay. What makes you hesitant?\n\nChannel 1: I'm not. I think it's been\n\nChannel 0: No.\n\nChannel 1: that the whole time I've been with you guys. And before that, I was with Sebas, and it sort of didn't really\n\nChannel 0: Yep.\n\nChannel 1: seem to do much, to be honest.\n\nChannel 0: Yep. That's okay. I only asked hesitant because you said you think so. So I just wanted to make sure that there wasn't any concern there or questions that you you might have had.\n\nChannel 1: Yeah. I mean, we'll put it this way. I don't... Like, I can't access it anytime soon,\n\nChannel 0: Yeah.\n\nChannel 1: so it may as well be, you know,\n\nChannel 0: Yep.\n\nChannel 1: trying to make as much as possible.\n\nChannel 0: Completely understand. Alright. The next document across is your certificate certificate of currency. So this refers to your life and TPD insurance held with Clearview.\n\nChannel 1: Yes.\n\nChannel 0: It's... The certificate certificate of currency means that it is paid and it is enforced. So it is paid until the 07/18/2027. Your levels of cover are there. Something that I will flag with you once you purchase the house is that Sarah and yourself may want to consider reviewing your life insurance covers and what it is that you want to achieve should one of you pass away, and that might be to repay debt on the house so the remaining partner has a debt free home.\n\nSo that\n\nChannel 1: Yep.\n\nChannel 0: is something probably to flag for the future that we will need to have a conversation about to make sure that, you know, your wishes and... In place.\n\nChannel 1: Yep.\n\nChannel 0: The next document across is the financial services guide. What this document is is it explains who we are, who I am, who we're licensed through, and that we, more importantly, are licensed with ASIC. It explains the different types of advice we can provide and how we do that, our fee guide, and also importantly, the complaints process should you ever be in a position that you need to do that.\n\nChannel 1: Yeah. No worries.\n\nChannel 0: The next document across is your ongoing service agreement. So\n\nChannel 1: Mhmm.\n\nChannel 0: that's the fees that we charge on your superannuation fund. So on the top of the second page, it is estimated to be $3,485.41 per annum. Now\n\nChannel 1: Yep.\n\nChannel 0: that is then broken down and paid monthly. So for a twelve month period... I mean, monthly, over twelve months, you're looking at $290.45, and that\n\nChannel 1: Yep.\n\nChannel 0: is deducted from your superannuation balance. And\n\nChannel 1: Yep.\n\nChannel 0: it... What it covers is your regular reviews, any changes that I'm gonna recommend post this review, so being those investment\n\nChannel 1: Mhmm.\n\nChannel 0: changes that we're gonna look at. It also doesn't limit you to your regular... In your reviews. If your situation changes or you need further advice, you reach out, make contact with booking a time, and run through that. So you're\n\nChannel 1: Yeah.\n\nChannel 0: not limited in any respect. So that's what that fee covers.\n\nChannel 1: Okay.\n\nChannel 0: So if you're happy to continue for the next twelve months, that's one form you will need to sign, and\n\nChannel 1: Yep.\n\nChannel 0: you can do that electronically through this. And\n\nChannel 1: Okay.\n\nChannel 0: the last document in that pack is your option to... Well, it's basically the authority to... For us to retain your tax file number. So we do have that on file, and we have that on file from when we established your superannuation fund\n\nChannel 1: Yep.\n\nChannel 0: to ensure that you weren't overtaxed in super. So by you signing that form, you acknowledge that we do hold that on file, and you do give us authority to do so.\n\nChannel 1: Okay. No worries.\n\nChannel 0: Any questions so far?\n\nChannel 1: I don't think so.\n\nChannel 0: No.\n\nChannel 1: Just that...\n\nChannel 0: Okay.\n\nChannel 1: Sorry. The consent to renewal,\n\nChannel 0: Mhmm.\n\nChannel 1: is that... Can that be done online?\n\nChannel 0: Yeah. Yep. So in the documents you're in, if you click... There should be an option where you... It says sign here on the third page.\n\nChannel 1: I've got that on the last... Yeah. So I've got options revised your... And then there's one that says your election. Will will that go through all the signable pages, basically?\n\nChannel 0: Yes.\n\nChannel 1: Because\n\nChannel 0: So\n\nChannel 1: the\n\nChannel 0: if\n\nChannel 1: other one is for\n\nChannel 0: you...\n\nChannel 1: that.\n\nChannel 0: Yeah. If you jump out and maybe go back in and navigate to those last two pages, there should be the option for you to sign them electronically both through this through this link.\n\nChannel 1: Oops. Yeah. I've only got... It only comes up with that on the last page. Like...\n\nChannel 0: Okay. Alright. Leave that with me. I will get that reissued to you. It might be just a glitch in the background.\n\nSo what I'll do is if you want, you can delete that email. I'll get it resent to you once I jump off the phone, And I'll also send through the estate planning brochure and some information on the insurances throughout the day today to\n\nChannel 1: Yeah.\n\nChannel 0: use... For you to talk about with Sarah to consider.\n\nChannel 1: Yep. Okay. Is is it possible to change the email address that you send them to?\n\nChannel 0: Of course. What email address would you like to update that to?\n\nChannel 1: So it's r h y s y\n\nChannel 0: Mhmm.\n\nChannel 1: one ten\n\nChannel 0: One ten. Yep.\n\nChannel 1: @gmail.com.\n\nChannel 0: Okay. I'm just gonna read this back to you. It is r h y s y one\n\nChannel 1: Yep.\n\nChannel 0: 10@gmail.com.\n\nChannel 1: Yep. Yes.\n\nChannel 0: Okay. So we'll update that on our end. We'll also... If there's any forms to be signed, send those to you to be... To update with Hub and Clearview.\n\nChannel 1: Yep.\n\nChannel 0: And the only other item I just wanted to bring to your attention is at the moment for your life and superannuation fund, you do not have a beneficiary nomination. So\n\nChannel 1: Yep.\n\nChannel 0: what that means is if something was to happen to you, the trustees have full discretion as to where those funds are paid. If you wanted to make a nomination, I can arrange to get those funds sent to\n\nChannel 1: Yeah. Okay. That'd be good.\n\nChannel 0: you.\n\nChannel 1: Thank you.\n\nChannel 0: Yeah. Do you know who you want your beneficiary to be?\n\nChannel 1: I'm probably... Yeah. Sarah.\n\nChannel 0: Sarah?\n\nChannel 1: Yeah.\n\nChannel 0: Okay. Alright, Rosalie. And is she at the same address you are, 19 Lynette Avenue?\n\nChannel 1: No. Well, that's just... That's my mailing address, but\n\nChannel 0: Okay.\n\nChannel 1: she's at... Do you need her?\n\nChannel 0: Just... If you would... If you want me to prefill the form, yeah, I'll grab her address. Or if you're happy to complete the form when you receive it, you can complete it all then.\n\nChannel 1: Okay. Yeah. We'll we'll just do that, I think.\n\nChannel 0: Yep. Okay. And then lastly, with the beneficiary nomination, there's two options. There's something called a non lapsing binding and a binding.\n\nChannel 1: Yep.\n\nChannel 0: What it means is that the trustees are bound by your beneficiary nomination, so they can't change it. The non lapsing means exactly that. It doesn't lapse until you lodge a new form to update that, whereas a binding means you need to renew it every three years. What would be your preference?\n\nChannel 1: So you could just review it every three days?\n\nChannel 0: Yeah. So you'd need to complete a new form every three years to have a beneficiary updated. We would talk about your beneficiaries every year in your review anyway to make sure that they're accurate and reflect your wishes.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: The non the non lapsing one just means that you don't have to fill out a a new form every three years. If your situation changes, we would then issue a new form for you to be signed.\n\nChannel 1: Okay. Yeah. That that one sounds better.\n\nChannel 0: Yep. And on lapping. Perfect. Alright.\n\nChannel 1: Yeah.\n\nChannel 0: Well, we'll get that sent to you as well. Do you have access to a printer to print that and complete, or do you want it posted?\n\nChannel 1: I could get it printed out. That's fine.\n\nChannel 0: Yep. Okay. That's alright. We will get that sent to you. Alright.\n\nLovely. So the next steps following this is that I'm going to go away and do some research to build an advice document just to change those investment options that we\n\nChannel 1: Yep.\n\nChannel 0: touched on. Is... In the next few weeks, I just need to book some time in with you, probably the week starting the October 26 at this stage, to book in maybe forty five minutes or so to just run through that\n\nChannel 1: Yep.\n\nChannel 0: advice document and the investment changes so that I have your authority to make those. Is there any day of the week that works best for you?\n\nChannel 1: I mean, I honestly got no idea what I'm doing those days yet, so not not really. Just... Yeah. It doesn't really matter.\n\nChannel 0: Yep.\n\nChannel 1: I know...\n\nChannel 0: Okay.\n\nChannel 1: When I returned call last week to make this appointment, I\n\nChannel 0: Yep.\n\nChannel 1: I noticed that one of the numbers you guys call off comes up on my phone as, like, do you have a Androids come up with the,\n\nChannel 0: Yes. Yeah.\n\nChannel 1: like, potential scam or whatever?\n\nChannel 0: Yeah. We've had that fixed. We got notified by that by a few clients, and we're like, oh. So we rang out our tech people to get that fixed. So, hopefully, that's not happening anymore.\n\nChannel 1: Yeah. I\n\nChannel 0: Did that\n\nChannel 1: was...\n\nChannel 0: happen\n\nChannel 1: That's...\n\nChannel 0: this morning?\n\nChannel 1: No. It didn't. Just that's... Yeah.\n\nChannel 0: Beautiful.\n\nChannel 1: That's that's why I was probably hard to get in contact with.\n\nChannel 0: No. I understand that. I would be exactly the same. So thank you. I think we've rectified that.\n\nBut, yeah, if it does... If if you do ever experience that again, please, like,\n\nChannel 1: Yep.\n\nChannel 0: please feel free to give us that feedback so we can make sure that that is... Doesn't continue to happen.\n\nChannel 1: Yep.\n\nChannel 0: If I'm looking at the week of the twenty sixth, today's a Wednesday, would you like me to book something in around the same time? And if we need to change that, we can?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yes. So Wednesday, the twenty eighth at about... Not even looking the right day. Nine, which is ten your time?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Yeah. Okay. We'll send you a text message. I'll I'll set a text message reminder for the afternoon before to\n\nChannel 1: Yep.\n\nChannel 0: calendar.\n\nChannel 1: Yep. That'd be fine.\n\nChannel 0: Alright. Lovely.\n\nChannel 1: Hey. Just to\n\nChannel 0: Fantastic.\n\nChannel 1: let you know that the reminder message I got this morning\n\nChannel 0: Well... Yeah.\n\nChannel 1: came through at 08:00, and it says reminder of your appointment at 8AM, Vic time, which is when I got the message.\n\nChannel 0: Daylight savings is... Because we're in Queensland.\n\nChannel 1: Yeah.\n\nChannel 0: Sometimes it takes our brains a little while to adjust, particularly if it was sent just... This is our first week doing it. So I'd say there was probably a little bit of a error there, but thank you. I will let the team know\n\nChannel 1: Alright.\n\nChannel 0: and make sure that that doesn't happen again.\n\nChannel 1: Okay.\n\nChannel 0: Alright. Fantastic. Well, thanks for your time, Reese. I really do appreciate it, and I look forward to speaking to you in a couple of weeks to talk through those\n\nChannel 1: Okay.\n\nChannel 0: changes.\n\nChannel 1: No worries. Thank you.\n\nChannel 0: Lovely. Thank you so much. Enjoy your day.\n\nChannel 1: You too. See you.\n\nChannel 0: Okay. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.0,"end":0.5,"sentiment":"neutral","sentiment_score":0.019703201949596405}],"sentiment":"neutral","sentiment_score":0.019703201949596405,"channel":1,"num_words":1,"start":0.0,"end":0.5},{"sentences":[{"text":"Hi.","start":2.56,"end":2.96,"sentiment":"neutral","sentiment_score":0.040698111057281494},{"text":"Is this Reece?","start":2.96,"end":3.9399998,"sentiment":"neutral","sentiment_score":0.030141768356164295},{"text":"Reece,","start":5.3599997,"end":5.68,"sentiment":"neutral","sentiment_score":0.05421067774295807}],"sentiment":"neutral","sentiment_score":0.03706681877374649,"channel":0,"num_words":5,"start":2.56,"end":5.68},{"sentences":[{"text":"Yes.","start":5.68,"end":6.18,"sentiment":"neutral","sentiment_score":0.10315100848674774}],"sentiment":"neutral","sentiment_score":0.10315100848674774,"channel":1,"num_words":1,"start":5.68,"end":6.18},{"sentences":[{"text":"this is Jenna Phoning from Oakview Financial.","start":5.68,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.12587646501404898},{"text":"How are you today?","start":8.0,"end":8.98,"sentiment":"neutral","sentiment_score":0.20316610485315323}],"sentiment":"neutral","sentiment_score":0.15398178859190506,"channel":0,"num_words":11,"start":5.68,"end":8.98},{"sentences":[{"text":"Good.","start":9.12,"end":9.36,"sentiment":"positive","sentiment_score":0.5294145345687866},{"text":"Thanks.","start":9.36,"end":9.679999,"sentiment":"positive","sentiment_score":0.5948121547698975},{"text":"Yourself?","start":9.679999,"end":10.179999,"sentiment":"neutral","sentiment_score":0.31000086665153503}],"sentiment":"positive","sentiment_score":0.4780758519967397,"channel":1,"num_words":3,"start":9.12,"end":10.179999},{"sentences":[{"text":"I'm well.","start":10.88,"end":11.5199995,"sentiment":"positive","sentiment_score":0.4267451763153076},{"text":"Thank you.","start":11.5199995,"end":12.34,"sentiment":"positive","sentiment_score":0.5813453793525696},{"text":"Before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes.","start":12.675,"end":18.215,"sentiment":"neutral","sentiment_score":0.050801158120686356},{"text":"Is that okay?","start":18.275,"end":19.175,"sentiment":"neutral","sentiment_score":0.05342664197087288}],"sentiment":"neutral","sentiment_score":0.11358919020356803,"channel":0,"num_words":29,"start":10.88,"end":19.175},{"sentences":[{"text":"Yep.","start":19.435,"end":19.914999,"sentiment":"neutral","sentiment_score":0.052242211997509},{"text":"No worries.","start":19.914999,"end":20.654999,"sentiment":"neutral","sentiment_score":0.16989034414291382}],"sentiment":"neutral","sentiment_score":0.13067430009444556,"channel":1,"num_words":3,"start":19.435,"end":20.654999},{"sentences":[{"text":"Fantastic.","start":21.315,"end":21.815,"sentiment":"positive","sentiment_score":0.5678732395172119},{"text":"And, Reese, can I please ask you to confirm your full name, date of birth, and address, please?","start":22.115,"end":26.52,"sentiment":"neutral","sentiment_score":0.11615767081578572}],"sentiment":"neutral","sentiment_score":0.13993217443165026,"channel":0,"num_words":19,"start":21.315,"end":26.52},{"sentences":[{"text":"Reece, William Cartwright.","start":27.035,"end":28.574999,"sentiment":"neutral","sentiment_score":0.016865693032741547},{"text":"07/20/1987, and 19 Winnet Avenue, Warrandyte.","start":28.634998,"end":32.63,"sentiment":"neutral","sentiment_score":0.04130702372640371}],"sentiment":"neutral","sentiment_score":0.03315991349518299,"channel":1,"num_words":9,"start":27.035,"end":32.63},{"sentences":[{"text":"Fantastic.","start":33.72,"end":34.22,"sentiment":"positive","sentiment_score":0.6459031105041504},{"text":"Thank you for that.","start":34.44,"end":35.5,"sentiment":"positive","sentiment_score":0.649570882320404},{"text":"To avoid doing the three points of ID each time, did you wanna add a password to your file?","start":36.52,"end":41.1,"sentiment":"neutral","sentiment_score":0.07053830925571292},{"text":"You don't","start":45.495,"end":45.975,"sentiment":"neutral","sentiment_score":-0.01610097847878933}],"sentiment":"neutral","sentiment_score":0.1750850984110282,"channel":0,"num_words":26,"start":33.72,"end":45.975},{"sentences":[{"text":"Like","start":45.925,"end":46.245,"sentiment":"neutral","sentiment_score":-0.06109295040369034}],"sentiment":"neutral","sentiment_score":-0.06109295040369034,"channel":1,"num_words":1,"start":45.925,"end":46.245},{"sentences":[{"text":"have to.","start":45.975,"end":46.454998,"sentiment":"neutral","sentiment_score":-0.04078190587460995}],"sentiment":"neutral","sentiment_score":-0.04078190587460995,"channel":0,"num_words":2,"start":45.975,"end":46.454998},{"sentences":[{"text":"like...","start":46.245,"end":46.745,"sentiment":"neutral","sentiment_score":-0.012590889818966389}],"sentiment":"neutral","sentiment_score":-0.012590889818966389,"channel":1,"num_words":1,"start":46.245,"end":46.745},{"sentences":[{"text":"It...","start":46.454998,"end":46.774998,"sentiment":"neutral","sentiment_score":-0.0034582060761749744},{"text":"It's","start":46.774998,"end":47.175,"sentiment":"neutral","sentiment_score":-0.008966498076915741}],"sentiment":"neutral","sentiment_score":-0.006212352076545358,"channel":0,"num_words":2,"start":46.454998,"end":47.175},{"sentences":[{"text":"That's","start":46.805,"end":47.204998,"sentiment":"neutral","sentiment_score":0.001053469255566597}],"sentiment":"neutral","sentiment_score":0.001053469255566597,"channel":1,"num_words":1,"start":46.805,"end":47.204998},{"sentences":[{"text":"it's...","start":47.175,"end":47.675,"sentiment":"neutral","sentiment_score":0.007749287411570549}],"sentiment":"neutral","sentiment_score":0.007749287411570549,"channel":0,"num_words":1,"start":47.175,"end":47.675},{"sentences":[{"text":"alright.","start":47.204998,"end":47.525,"sentiment":"neutral","sentiment_score":0.04968959093093872},{"text":"It's not it's not that hard.","start":47.525,"end":48.985,"sentiment":"neutral","sentiment_score":0.11800480137268703}],"sentiment":"neutral","sentiment_score":0.10824548559529441,"channel":1,"num_words":7,"start":47.204998,"end":48.985},{"sentences":[{"text":"Okay.","start":49.415,"end":49.895,"sentiment":"neutral","sentiment_score":0.09710708260536194},{"text":"That's alright.","start":49.895,"end":50.715,"sentiment":"neutral","sentiment_score":0.11546416953206062},{"text":"Okay.","start":52.055,"end":52.535,"sentiment":"neutral","sentiment_score":0.06863737106323242},{"text":"So the purpose of my call this morning is to run through your scheduled and your review.","start":52.535,"end":57.54,"sentiment":"neutral","sentiment_score":0.05438521416748271},{"text":"Do you have time to do that at the moment?","start":57.54,"end":59.4,"sentiment":"neutral","sentiment_score":0.02048615049570799}],"sentiment":"neutral","sentiment_score":0.049228481888290376,"channel":0,"num_words":31,"start":49.415,"end":59.4},{"sentences":[{"text":"Yep.","start":59.85,"end":60.35,"sentiment":"neutral","sentiment_score":0.08706063032150269}],"sentiment":"neutral","sentiment_score":0.08706063032150269,"channel":1,"num_words":1,"start":59.85,"end":60.35},{"sentences":[{"text":"Lovely.","start":61.22,"end":61.72,"sentiment":"neutral","sentiment_score":0.2297402322292328},{"text":"Okay.","start":62.66,"end":63.16,"sentiment":"neutral","sentiment_score":0.060393281280994415},{"text":"So probably the first thing I'd like to ask before we start is has there been any significant changes to your personal or financial situation since the last review you had?","start":63.22,"end":75.475,"sentiment":"neutral","sentiment_score":-0.02763493076687859}],"sentiment":"neutral","sentiment_score":-0.01716816182615179,"channel":0,"num_words":33,"start":61.22,"end":75.475},{"sentences":[{"text":"No.","start":77.225,"end":77.725,"sentiment":"neutral","sentiment_score":-0.10603751242160796},{"text":"But we are currently talking to a mortgage broker.","start":77.785,"end":80.905,"sentiment":"neutral","sentiment_score":-0.09014197438955307},{"text":"So","start":80.905,"end":81.405,"sentiment":"neutral","sentiment_score":-0.07692107558250427}],"sentiment":"neutral","sentiment_score":-0.09038512341000816,"channel":1,"num_words":11,"start":77.225,"end":81.405},{"sentences":[{"text":"Okay.","start":81.454994,"end":81.954994,"sentiment":"neutral","sentiment_score":-0.06565356254577637}],"sentiment":"neutral","sentiment_score":-0.06565356254577637,"channel":0,"num_words":1,"start":81.454994,"end":81.954994},{"sentences":[{"text":"I don't know if","start":81.705,"end":82.32,"sentiment":"neutral","sentiment_score":-0.07828442007303238}],"sentiment":"neutral","sentiment_score":-0.07828442007303238,"channel":1,"num_words":4,"start":81.705,"end":82.32},{"sentences":[{"text":"To refinance or","start":82.130005,"end":83.83,"sentiment":"neutral","sentiment_score":-0.07106884817282359}],"sentiment":"neutral","sentiment_score":-0.07106884817282359,"channel":0,"num_words":3,"start":82.130005,"end":83.83},{"sentences":[{"text":"that's just a buyer.","start":83.92,"end":85.14,"sentiment":"neutral","sentiment_score":-0.0542029058560729}],"sentiment":"neutral","sentiment_score":-0.0542029058560729,"channel":1,"num_words":4,"start":83.92,"end":85.14},{"sentences":[{"text":"to buy?","start":85.57,"end":86.130005,"sentiment":"neutral","sentiment_score":-0.017412238754332066},{"text":"Oh, fantastic.","start":86.130005,"end":86.93,"sentiment":"neutral","sentiment_score":0.23285608738660812}],"sentiment":"neutral","sentiment_score":0.10772192431613803,"channel":0,"num_words":4,"start":85.57,"end":86.93},{"sentences":[{"text":"Yeah.","start":86.479996,"end":86.979996,"sentiment":"neutral","sentiment_score":0.11896168440580368}],"sentiment":"neutral","sentiment_score":0.11896168440580368,"channel":1,"num_words":1,"start":86.479996,"end":86.979996},{"sentences":[{"text":"How exciting is that?","start":86.93,"end":88.23,"sentiment":"neutral","sentiment_score":0.1983555629849434}],"sentiment":"neutral","sentiment_score":0.1983555629849434,"channel":0,"num_words":4,"start":86.93,"end":88.23},{"sentences":[{"text":"Yeah.","start":88.4,"end":88.9,"sentiment":"neutral","sentiment_score":0.022105306386947632}],"sentiment":"neutral","sentiment_score":0.022105306386947632,"channel":1,"num_words":1,"start":88.4,"end":88.9},{"sentences":[{"text":"When are you when are you thinking of 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you.","start":107.565,"end":110.34,"sentiment":"positive","sentiment_score":0.47625288739800453}],"sentiment":"positive","sentiment_score":0.45355748442503124,"channel":0,"num_words":13,"start":104.285,"end":110.34},{"sentences":[{"text":"Yeah.","start":110.649994,"end":111.149994,"sentiment":"neutral","sentiment_score":0.2843085527420044},{"text":"It should be be good.","start":111.60999,"end":113.71,"sentiment":"positive","sentiment_score":0.3645398199558258}],"sentiment":"positive","sentiment_score":0.3511679420868556,"channel":1,"num_words":6,"start":110.649994,"end":113.71},{"sentences":[{"text":"What what price range are you guys looking at?","start":113.46,"end":116.52,"sentiment":"neutral","sentiment_score":0.04327704612579611}],"sentiment":"neutral","sentiment_score":0.04327704612579611,"channel":0,"num_words":9,"start":113.46,"end":116.52},{"sentences":[{"text":"About 900.","start":118.329994,"end":119.46999,"sentiment":"neutral","sentiment_score":0.02280241809785366}],"sentiment":"neutral","sentiment_score":0.02280241809785366,"channel":1,"num_words":2,"start":118.329994,"end":119.46999},{"sentences":[{"text":"Yeah.","start":120.259995,"end":120.74,"sentiment":"neutral","sentiment_score":0.14050492644309998},{"text":"Great.","start":120.74,"end":121.24,"sentiment":"positive","sentiment_score":0.4902668297290802},{"text":"Oh, that's exciting.","start":122.42,"end":123.56,"sentiment":"positive","sentiment_score":0.5742384990056356},{"text":"Oh, congratulations.","start":124.5,"end":125.479996,"sentiment":"positive","sentiment_score":0.6624947488307953}],"sentiment":"positive","sentiment_score":0.5254966786929539,"channel":0,"num_words":7,"start":120.259995,"end":125.479996},{"sentences":[{"text":"Thanks.","start":126.405,"end":126.905,"sentiment":"positive","sentiment_score":0.629403829574585}],"sentiment":"positive","sentiment_score":0.629403829574585,"channel":1,"num_words":1,"start":126.405,"end":126.905},{"sentences":[{"text":"Something...","start":127.015,"end":127.495,"sentiment":"positive","sentiment_score":0.3693077564239502},{"text":"It's something to look forward to.","start":127.495,"end":130.075,"sentiment":"positive","sentiment_score":0.5515200793743134},{"text":"Alright.","start":132.05501,"end":132.55501,"sentiment":"neutral","sentiment_score":0.2427861988544464},{"text":"So, well, I've just made a note of that.","start":132.77501,"end":134.795,"sentiment":"neutral","sentiment_score":0.2091935229384237},{"text":"But what I might do is just run through a few of the details we hold on file just to make sure that everything we do have is correct and up to date.","start":135.815,"end":145.44,"sentiment":"neutral","sentiment_score":0.022711573620185707}],"sentiment":"neutral","sentiment_score":0.13106876134872436,"channel":0,"num_words":50,"start":127.015,"end":145.44},{"sentences":[{"text":"Yep.","start":145.69,"end":146.19,"sentiment":"neutral","sentiment_score":-0.015505454502999784}],"sentiment":"neutral","sentiment_score":-0.015505454502999784,"channel":1,"num_words":1,"start":145.69,"end":146.19},{"sentences":[{"text":"So I don't actually have anything here recorded for your marital 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to.","start":1359.445,"end":1371.53,"sentiment":"neutral","sentiment_score":-0.02203128978610039}],"sentiment":"neutral","sentiment_score":-0.02203128978610039,"channel":0,"num_words":25,"start":1359.445,"end":1371.53},{"sentences":[{"text":"Yes.","start":1372.005,"end":1372.505,"sentiment":"neutral","sentiment_score":0.05210856720805168}],"sentiment":"neutral","sentiment_score":0.05210856720805168,"channel":1,"num_words":1,"start":1372.005,"end":1372.505},{"sentences":[{"text":"Without that, it goes through, basically, the public trustees to make those decisions, and it can be a drawn out process.","start":1372.79,"end":1380.405,"sentiment":"neutral","sentiment_score":-0.00490348892552512},{"text":"So if Sarah has somewhat of a similar situation to yourself, it is probably worth looking into getting a will, drawn 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email.","start":1442.345,"end":1445.005,"sentiment":"neutral","sentiment_score":0.1546794641762972},{"text":"It is gonna have your annual review documents within them, and we're just gonna talk through those.","start":1446.66,"end":1454.5801,"sentiment":"neutral","sentiment_score":0.13057043589651585},{"text":"When you do receive it, you will need to open it and click the button that says sign here or click here to complete.","start":1454.5801,"end":1463.335,"sentiment":"neutral","sentiment_score":0.03897886311945816},{"text":"You're not signing anything at the moment.","start":1463.5549,"end":1465.1549,"sentiment":"neutral","sentiment_score":-0.19613743254116603},{"text":"We're simply just gonna talk through those 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have a look at as well.","start":1944.8099,"end":1948.01,"sentiment":"neutral","sentiment_score":0.1323570879176259},{"text":"The second one down being the beta bank hybrids.","start":1948.01,"end":1950.4299,"sentiment":"neutral","sentiment_score":0.07390149558583896}],"sentiment":"neutral","sentiment_score":0.13319367455939451,"channel":0,"num_words":30,"start":1942.385,"end":1950.4299},{"sentences":[{"text":"Yep.","start":1951.16,"end":1951.66,"sentiment":"neutral","sentiment_score":0.157043918967247}],"sentiment":"neutral","sentiment_score":0.157043918967247,"channel":1,"num_words":1,"start":1951.16,"end":1951.66},{"sentences":[{"text":"There's nothing fundamentally wrong with that investment option.","start":1951.53,"end":1954.65,"sentiment":"neutral","sentiment_score":0.08620073273777962},{"text":"There's just some changes in the market coming.","start":1954.65,"end":1956.65,"sentiment":"neutral","sentiment_score":0.027938287239521742},{"text":"So from January 2027, the Australian 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moment.","start":1991.795,"end":1994.215,"sentiment":"neutral","sentiment_score":-0.07453856723649162}],"sentiment":"neutral","sentiment_score":-0.07453856723649162,"channel":0,"num_words":7,"start":1991.795,"end":1994.215},{"sentences":[{"text":"Yeah.","start":1994.465,"end":1994.965,"sentiment":"neutral","sentiment_score":0.0031139571219682693}],"sentiment":"neutral","sentiment_score":0.0031139571219682693,"channel":1,"num_words":1,"start":1994.465,"end":1994.965},{"sentences":[{"text":"So I'd like to look at your property exposure as a whole in the portfolio and see if that's something that we wanna retain in your portfolio moving forward.","start":1994.835,"end":2003.85,"sentiment":"neutral","sentiment_score":0.09107324069943921}],"sentiment":"neutral","sentiment_score":0.09107324069943921,"channel":0,"num_words":29,"start":1994.835,"end":2003.85},{"sentences":[{"text":"Yep.","start":2004.33,"end":2004.83,"sentiment":"neutral","sentiment_score":0.10747653245925903}],"sentiment":"neutral","sentiment_score":0.10747653245925903,"channel":1,"num_words":1,"start":2004.33,"end":2004.83},{"sentences":[{"text":"Yep.","start":2005.59,"end":2006.0701,"sentiment":"neutral","sentiment_score":0.12863563001155853},{"text":"Okay.","start":2006.0701,"end":2006.55,"sentiment":"neutral","sentiment_score":0.31356024742126465},{"text":"Fantastic.","start":2006.55,"end":2007.05,"sentiment":"positive","sentiment_score":0.5746960639953613},{"text":"So overall, in the last twelve months, you have had a net return, so that's after phase, of 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with.","start":2117.2,"end":2128.5,"sentiment":"neutral","sentiment_score":0.03707859794976133}],"sentiment":"neutral","sentiment_score":0.03707859794976133,"channel":0,"num_words":33,"start":2117.2,"end":2128.5},{"sentences":[{"text":"Yeah.","start":2128.7551,"end":2128.995,"sentiment":"neutral","sentiment_score":0.06226602196693421},{"text":"I think so.","start":2128.995,"end":2129.8152,"sentiment":"neutral","sentiment_score":0.07114993532498677}],"sentiment":"neutral","sentiment_score":0.06892895698547363,"channel":1,"num_words":4,"start":2128.7551,"end":2129.8152},{"sentences":[{"text":"Yeah?","start":2130.6401,"end":2131.1401,"sentiment":"neutral","sentiment_score":0.061340488493442535},{"text":"Well, the next document over, if you click next, it just talks a little bit...","start":2131.475,"end":2136.7551,"sentiment":"neutral","sentiment_score":0.02680957466363907},{"text":"I'd use this as a a guide just to understand the risk profile a little bit 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honest.","start":2256.54,"end":2258.32,"sentiment":"neutral","sentiment_score":-0.199428705232484}],"sentiment":"neutral","sentiment_score":-0.199428705232484,"channel":1,"num_words":7,"start":2256.54,"end":2258.32},{"sentences":[{"text":"Yep.","start":2259.0251,"end":2259.39,"sentiment":"neutral","sentiment_score":0.08344687521457672},{"text":"That's okay.","start":2259.71,"end":2260.45,"sentiment":"neutral","sentiment_score":0.2812112793326378},{"text":"I only asked hesitant because you said you think so.","start":2260.67,"end":2263.15,"sentiment":"neutral","sentiment_score":0.11538223251700401},{"text":"So I just wanted to make sure that there wasn't any concern there or questions that you you might have 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across is your certificate certificate of currency.","start":2286.665,"end":2290.5798,"sentiment":"neutral","sentiment_score":0.048264098539948466},{"text":"So this refers to your life and TPD insurance held with Clearview.","start":2290.5798,"end":2293.88,"sentiment":"neutral","sentiment_score":0.06123814328263203}],"sentiment":"neutral","sentiment_score":0.06495316237211228,"channel":0,"num_words":25,"start":2282.585,"end":2293.88},{"sentences":[{"text":"Yes.","start":2294.445,"end":2294.945,"sentiment":"neutral","sentiment_score":0.0484885610640049}],"sentiment":"neutral","sentiment_score":0.0484885610640049,"channel":1,"num_words":1,"start":2294.445,"end":2294.945},{"sentences":[{"text":"It's...","start":2294.5798,"end":2294.98,"sentiment":"neutral","sentiment_score":0.02220577746629715},{"text":"The certificate certificate of currency means that it is paid and it is enforced.","start":2294.98,"end":2299.46,"sentiment":"neutral","sentiment_score":0.04952421997274671},{"text":"So it 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time, and run through that.","start":2424.055,"end":2432.16,"sentiment":"neutral","sentiment_score":0.0808566530997103},{"text":"So you're","start":2432.38,"end":2432.7,"sentiment":"neutral","sentiment_score":0.09541193395853043}],"sentiment":"neutral","sentiment_score":0.07999218927650917,"channel":0,"num_words":41,"start":2418.615,"end":2432.7},{"sentences":[{"text":"Yeah.","start":2432.5798,"end":2432.865,"sentiment":"neutral","sentiment_score":0.10524453222751616}],"sentiment":"neutral","sentiment_score":0.10524453222751616,"channel":1,"num_words":1,"start":2432.5798,"end":2432.865},{"sentences":[{"text":"not limited in any respect.","start":2432.7,"end":2434.5398,"sentiment":"neutral","sentiment_score":0.017171698063611983},{"text":"So that's what that fee 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background.","start":2554.895,"end":2557.0552,"sentiment":"neutral","sentiment_score":-0.21610861851109398}],"sentiment":"neutral","sentiment_score":-0.04682635871524161,"channel":0,"num_words":22,"start":2550.32,"end":2557.0552},{"sentences":[{"text":"So what I'll do is if you want, you can delete that email.","start":2557.0552,"end":2560.2551,"sentiment":"neutral","sentiment_score":-0.11221418443780679},{"text":"I'll get it resent to you once I jump off the phone, And I'll also send through the estate planning brochure and some information on the insurances throughout the day today to","start":2560.2551,"end":2571.77,"sentiment":"neutral","sentiment_score":0.08315796399256214}],"sentiment":"neutral","sentiment_score":0.026717121112677787,"channel":0,"num_words":45,"start":2557.0552,"end":2571.77},{"sentences":[{"text":"Yeah.","start":2571.63,"end":2572.13,"sentiment":"neutral","sentiment_score":0.01907330751419067}],"sentiment":"neutral","sentiment_score":0.01907330751419067,"channel":1,"num_words":1,"start":2571.63,"end":2572.13},{"sentences":[{"text":"use...","start":2571.77,"end":2572.09,"sentiment":"neutral","sentiment_score":0.01188385020941496},{"text":"For you to talk about with Sarah to consider.","start":2572.09,"end":2575.15,"sentiment":"neutral","sentiment_score":0.02507259613937802}],"sentiment":"neutral","sentiment_score":0.023753721546381713,"channel":0,"num_words":10,"start":2571.77,"end":2575.15},{"sentences":[{"text":"Yep.","start":2574.795,"end":2575.295,"sentiment":"neutral","sentiment_score":0.08543047308921814},{"text":"Okay.","start":2575.675,"end":2576.175,"sentiment":"neutral","sentiment_score":0.08359353244304657},{"text":"Is is it possible to change the email address that you send them to?","start":2576.875,"end":2581.215,"sentiment":"neutral","sentiment_score":0.03465410162295614}],"sentiment":"neutral","sentiment_score":0.04088633926585317,"channel":1,"num_words":16,"start":2574.795,"end":2581.215},{"sentences":[{"text":"Of course.","start":2581.885,"end":2582.685,"sentiment":"neutral","sentiment_score":0.04242950305342674},{"text":"What email address would you like to update that to?","start":2582.685,"end":2586.545,"sentiment":"neutral","sentiment_score":0.02880052663385868}],"sentiment":"neutral","sentiment_score":0.03107202270378669,"channel":0,"num_words":12,"start":2581.885,"end":2586.545},{"sentences":[{"text":"So it's r h y s y","start":2589.75,"end":2593.21,"sentiment":"neutral","sentiment_score":0.03292569677744593}],"sentiment":"neutral","sentiment_score":0.03292569677744593,"channel":1,"num_words":7,"start":2589.75,"end":2593.21},{"sentences":[{"text":"Mhmm.","start":2594.24,"end":2594.74,"sentiment":"neutral","sentiment_score":0.019361168146133423}],"sentiment":"neutral","sentiment_score":0.019361168146133423,"channel":0,"num_words":1,"start":2594.24,"end":2594.74},{"sentences":[{"text":"one ten","start":2595.35,"end":2596.25,"sentiment":"neutral","sentiment_score":0.016667770221829414}],"sentiment":"neutral","sentiment_score":0.016667770221829414,"channel":1,"num_words":2,"start":2595.35,"end":2596.25},{"sentences":[{"text":"One ten.","start":2597.92,"end":2598.98,"sentiment":"neutral","sentiment_score":0.017102872487157583},{"text":"Yep.","start":2599.1199,"end":2599.6199,"sentiment":"neutral","sentiment_score":0.042376212775707245}],"sentiment":"neutral","sentiment_score":0.02552731925000747,"channel":0,"num_words":3,"start":2597.92,"end":2599.6199},{"sentences":[{"text":"@gmail.com.","start":2599.9102,"end":2601.4502,"sentiment":"neutral","sentiment_score":0.03293728828430176}],"sentiment":"neutral","sentiment_score":0.03293728828430176,"channel":1,"num_words":1,"start":2599.9102,"end":2601.4502},{"sentences":[{"text":"Okay.","start":2602.16,"end":2602.56,"sentiment":"neutral","sentiment_score":0.06284318119287491},{"text":"I'm just gonna read this back to you.","start":2602.56,"end":2604.5,"sentiment":"neutral","sentiment_score":0.08502081502228975},{"text":"It is r h y s y one","start":2604.96,"end":2609.425,"sentiment":"neutral","sentiment_score":0.04595467587932944}],"sentiment":"neutral","sentiment_score":0.06533218284740168,"channel":0,"num_words":17,"start":2602.16,"end":2609.425},{"sentences":[{"text":"Yep.","start":2608.955,"end":2609.455,"sentiment":"neutral","sentiment_score":0.031306251883506775}],"sentiment":"neutral","sentiment_score":0.031306251883506775,"channel":1,"num_words":1,"start":2608.955,"end":2609.455},{"sentences":[{"text":"10@gmail.com.","start":2609.425,"end":2612.2449,"sentiment":"neutral","sentiment_score":0.024644922465085983}],"sentiment":"neutral","sentiment_score":0.024644922465085983,"channel":0,"num_words":1,"start":2609.425,"end":2612.2449},{"sentences":[{"text":"Yep.","start":2610.875,"end":2611.375,"sentiment":"neutral","sentiment_score":0.06953850388526917},{"text":"Yes.","start":2612.395,"end":2612.895,"sentiment":"neutral","sentiment_score":0.09887136518955232}],"sentiment":"neutral","sentiment_score":0.08420493453741074,"channel":1,"num_words":2,"start":2610.875,"end":2612.895},{"sentences":[{"text":"Okay.","start":2613.665,"end":2614.145,"sentiment":"neutral","sentiment_score":0.09158152341842651},{"text":"So we'll update that on our end.","start":2614.145,"end":2616.2449,"sentiment":"neutral","sentiment_score":0.10019144948039736},{"text":"We'll also...","start":2616.4648,"end":2617.205,"sentiment":"neutral","sentiment_score":0.04304100200533867},{"text":"If there's any forms to be signed, send those to you to be...","start":2617.345,"end":2621.685,"sentiment":"neutral","sentiment_score":0.025914649837292157},{"text":"To update with Hub and Clearview.","start":2621.9849,"end":2624.1401,"sentiment":"neutral","sentiment_score":0.04909713317950567}],"sentiment":"neutral","sentiment_score":0.052085411060473014,"channel":0,"num_words":29,"start":2613.665,"end":2624.1401},{"sentences":[{"text":"Yep.","start":2624.6401,"end":2625.1401,"sentiment":"neutral","sentiment_score":0.07804283499717712}],"sentiment":"neutral","sentiment_score":0.07804283499717712,"channel":1,"num_words":1,"start":2624.6401,"end":2625.1401},{"sentences":[{"text":"And the only other item I just wanted to bring to your attention is at the moment for your life and superannuation fund, you do not have a beneficiary nomination.","start":2625.48,"end":2636.06,"sentiment":"neutral","sentiment_score":0.04763960341612498},{"text":"So","start":2636.985,"end":2637.225,"sentiment":"neutral","sentiment_score":0.06369000673294067}],"sentiment":"neutral","sentiment_score":0.04815735836182871,"channel":0,"num_words":31,"start":2625.48,"end":2637.225},{"sentences":[{"text":"Yep.","start":2637.195,"end":2637.695,"sentiment":"neutral","sentiment_score":0.13669204711914062}],"sentiment":"neutral","sentiment_score":0.13669204711914062,"channel":1,"num_words":1,"start":2637.195,"end":2637.695},{"sentences":[{"text":"what that means is if something was to happen to you, the trustees have full discretion as to where those funds are paid.","start":2637.225,"end":2644.685,"sentiment":"neutral","sentiment_score":0.08366409608203432},{"text":"If you wanted to make a nomination, I can arrange to get those funds sent 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you.","start":2653.61,"end":2654.27,"sentiment":"positive","sentiment_score":0.6209717392921448}],"sentiment":"positive","sentiment_score":0.6209717392921448,"channel":1,"num_words":2,"start":2653.61,"end":2654.27},{"sentences":[{"text":"Yeah.","start":2655.19,"end":2655.35,"sentiment":"neutral","sentiment_score":0.09600335359573364},{"text":"Do you know who you want your beneficiary to be?","start":2655.35,"end":2659.1301,"sentiment":"neutral","sentiment_score":0.03325403798371553}],"sentiment":"neutral","sentiment_score":0.03895852122117172,"channel":0,"num_words":11,"start":2655.19,"end":2659.1301},{"sentences":[{"text":"I'm probably...","start":2660.1948,"end":2660.755,"sentiment":"neutral","sentiment_score":0.0014549276093021035},{"text":"Yeah.","start":2660.755,"end":2661.155,"sentiment":"neutral","sentiment_score":0.006580493412911892},{"text":"Sarah.","start":2661.155,"end":2661.655,"sentiment":"neutral","sentiment_score":0.002514882944524288}],"sentiment":"neutral","sentiment_score":0.003001307894010097,"channel":1,"num_words":4,"start":2660.1948,"end":2661.655},{"sentences":[{"text":"Sarah?","start":2662.3901,"end":2662.8901,"sentiment":"neutral","sentiment_score":0.007012981455773115}],"sentiment":"neutral","sentiment_score":0.007012981455773115,"channel":0,"num_words":1,"start":2662.3901,"end":2662.8901},{"sentences":[{"text":"Yeah.","start":2663.395,"end":2663.895,"sentiment":"neutral","sentiment_score":0.01548907719552517}],"sentiment":"neutral","sentiment_score":0.01548907719552517,"channel":1,"num_words":1,"start":2663.395,"end":2663.895},{"sentences":[{"text":"Okay.","start":2663.705,"end":2664.205,"sentiment":"neutral","sentiment_score":0.02198111265897751},{"text":"Alright, Rosalie.","start":2664.345,"end":2665.325,"sentiment":"neutral","sentiment_score":0.027081865817308426},{"text":"And is she at the same address you are, 19 Lynette Avenue?","start":2665.385,"end":2669.325,"sentiment":"neutral","sentiment_score":0.013122153235599399}],"sentiment":"neutral","sentiment_score":0.01557404554138581,"channel":0,"num_words":15,"start":2663.705,"end":2669.325},{"sentences":[{"text":"No.","start":2671.41,"end":2671.91,"sentiment":"neutral","sentiment_score":-0.02995094284415245},{"text":"Well, that's just...","start":2672.13,"end":2674.13,"sentiment":"neutral","sentiment_score":-0.018504389251271885},{"text":"That's my mailing address, 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would...","start":2681.0,"end":2681.72,"sentiment":"neutral","sentiment_score":0.0024421949250002704},{"text":"If you want me to prefill the form, yeah, I'll grab her address.","start":2681.72,"end":2685.02,"sentiment":"neutral","sentiment_score":0.031647551948061355},{"text":"Or if you're happy to complete the form when you receive it, you can complete it all then.","start":2685.72,"end":2690.625,"sentiment":"neutral","sentiment_score":0.07345075677666399}],"sentiment":"neutral","sentiment_score":0.04964336158840784,"channel":0,"num_words":35,"start":2680.6,"end":2690.625},{"sentences":[{"text":"Okay.","start":2691.095,"end":2691.415,"sentiment":"neutral","sentiment_score":0.07410804182291031},{"text":"Yeah.","start":2691.415,"end":2691.7349,"sentiment":"neutral","sentiment_score":0.10322213172912598},{"text":"We'll we'll just do that, I 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that.","start":2868.8452,"end":2870.7651,"sentiment":"neutral","sentiment_score":-0.06682387553155422}],"sentiment":"neutral","sentiment_score":-0.15478710861255726,"channel":0,"num_words":18,"start":2864.0452,"end":2870.7651},{"sentences":[{"text":"But, yeah, if it does...","start":2870.7651,"end":2872.0452,"sentiment":"neutral","sentiment_score":-0.07685400396585465},{"text":"If if you do ever experience that again, please, like,","start":2872.0452,"end":2874.89,"sentiment":"neutral","sentiment_score":-0.036511799320578575}],"sentiment":"neutral","sentiment_score":-0.049959200869003934,"channel":0,"num_words":15,"start":2870.7651,"end":2874.89},{"sentences":[{"text":"Yep.","start":2874.6401,"end":2874.915,"sentiment":"neutral","sentiment_score":0.014900422655045986}],"sentiment":"neutral","sentiment_score":0.014900422655045986,"channel":1,"num_words":1,"start":2874.6401,"end":2874.915},{"sentences":[{"text":"please feel free to give us that feedback so we can make sure that that 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a error there, but thank you.","start":2960.5898,"end":2965.15,"sentiment":"neutral","sentiment_score":-0.09411253337748349},{"text":"I will let the team know","start":2965.15,"end":2966.77,"sentiment":"neutral","sentiment_score":0.07875235130389531}],"sentiment":"neutral","sentiment_score":-0.06890969731741481,"channel":0,"num_words":45,"start":2949.915,"end":2966.77},{"sentences":[{"text":"Alright.","start":2966.595,"end":2967.095,"sentiment":"neutral","sentiment_score":0.009482687339186668}],"sentiment":"neutral","sentiment_score":0.009482687339186668,"channel":1,"num_words":1,"start":2966.595,"end":2967.095},{"sentences":[{"text":"and make sure that that doesn't happen 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They provide information on retirement plans, savings, health and lifestyle, and financial goals. The representatives emphasize the importance of maintaining a high growth portfolio and emphasize the need for investment in high growth assets. They also provide information on the process of updating beneficiaries and updating beneficiaries' information. The representatives offer to book follow-up appointments for further assistance."},"intents":{"segments":[{"text":"Before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Yep.","start_word":25,"end_word":50,"intents":[{"intent":"Request call recording","confidence_score":0.008895416}]},{"text":"And, Reese, can I please ask you to confirm your full name, date of birth, and address, please?","start_word":54,"end_word":71,"intents":[{"intent":"Confirm details","confidence_score":0.07538666},{"intent":"Confirm name","confidence_score":0.02950911},{"intent":"Confirm name","confidence_score":0.0055386038},{"intent":"Confirm identity","confidence_score":0.4507423}]},{"text":"So probably the first thing I'd like to ask before we start is has there been any significant changes to your personal or financial situation since the last review you had? No.","start_word":156,"end_word":187,"intents":[{"intent":"Ask about personal situation changes","confidence_score":0.000023375987}]},{"text":"How exciting is that? Yeah.","start_word":215,"end_word":219,"intents":[{"intent":"Express excitement","confidence_score":0.18882814}]},{"text":"What what price range are you guys looking at?","start_word":270,"end_word":278,"intents":[{"intent":"Ask about price range","confidence_score":0.21529035}]},{"text":"So it's my father's company since I was, like, Oh, 17 okay. or so. Yep. Okay. Yeah. Fantastic. Alright. Sorry. I'm just making a note. And do you work at... Heights is a bit of a silly question, but any work at heights or handle any hazardous material? We do roof plumbing every now and then. Yeah? Would What it be what... over 12 meters? Nah.","start_word":550,"end_word":615,"intents":[{"intent":"Confirm age","confidence_score":0.00000455699}]},{"text":"I think my group certificate just gone said '96, Yep. but Was that was that after your tax deductions or before? before Yeah.","start_word":659,"end_word":681,"intents":[{"intent":"Confirm tax deductions","confidence_score":0.019350858}]},{"text":"With your expenditure per week, we didn't have anything down. We only had a thousand dollars of savings per week. Has that changed? It varies.","start_word":703,"end_word":727,"intents":[{"intent":"Inquire about fund savings","confidence_score":5.5070046e-7}]},{"text":"And your savings would vary. So the difference would be savings, do you Yeah. think?","start_word":857,"end_word":871,"intents":[{"intent":"Clarify savings","confidence_score":0.15669776},{"intent":"Clarify savings","confidence_score":0.21699648}]},{"text":"Any other assets you can think of? Like, in... Like like what?","start_word":1608,"end_word":1619,"intents":[{"intent":"Inquire about assets","confidence_score":0.007623959}]},{"text":"Are you a Mhmm. smoker? No. No. Any significant health issues or injuries? No. No.","start_word":1672,"end_word":1686,"intents":[{"intent":"Inquire about medical records","confidence_score":0.0016377502}]},{"text":"Do you have any private health insurance? Yes. Yeah.","start_word":1794,"end_word":1802,"intents":[{"intent":"Inquire about health care insurance","confidence_score":0.0001514002},{"intent":"Inquire about personal health insurance","confidence_score":0.026534261},{"intent":"Inquire about private health insurance","confidence_score":0.11669855},{"intent":"Inquire about insurance coverage","confidence_score":0.006254468},{"intent":"Inquire about health insurance","confidence_score":0.028153408}]},{"text":"And what's your height and weight? My height?","start_word":1808,"end_word":1815,"intents":[{"intent":"Confirm age","confidence_score":0.007714436}]},{"text":"Do you have a will and power of attorney in place?","start_word":1851,"end_word":1861,"intents":[{"intent":"Inquire about will and power of attorney","confidence_score":0.1862486}]},{"text":"Depending on what you've got going on now with the home, is it something that would be prioritized towards, I don't know, maybe post organizing your residential purchase. Probably just the time frame of when you think.","start_word":2425,"end_word":2461,"intents":[{"intent":"Prioritize purchase and review options","confidence_score":0.000008583301}]},{"text":"I am going to send you an email. It is gonna have your annual review documents within them, and we're just gonna talk through those.","start_word":2932,"end_word":2956,"intents":[{"intent":"Review documents","confidence_score":0.07616531}]},{"text":"We're simply just gonna talk through those documents Yep.","start_word":2988,"end_word":2996,"intents":[{"intent":"Talk through documents","confidence_score":0.0006250024}]},{"text":"in relation to your review and discuss any key areas. So when you Okay.","start_word":2997,"end_word":3010,"intents":[{"intent":"Review and discuss key areas","confidence_score":0.14049044}]},{"text":"Premiums, we can definitely look at. And premiums are, for example, they will vary depending on the terms of the policy that you have.","start_word":3286,"end_word":3309,"intents":[{"intent":"Collect insurance and premiums","confidence_score":0.000007278489}]},{"text":"gonna cover everything, but it's designed to help cover the essentials. Is Okay.","start_word":3524,"end_word":3536,"intents":[{"intent":"Cover essentials","confidence_score":0.007867408}]},{"text":"So what I'll do is I might touch on that in a little bit in a little bit further detail. And, again, we don't have to look at it. It's just I need to provide you with the information so you can Yep. consider Okay.","start_word":3693,"end_word":3737,"intents":[{"intent":"Provide information","confidence_score":0.8468345}]},{"text":"So what that is is it's a lump sum benefit that's paid tax free. The premium is paid from your personal cash flow. If you're Yep.","start_word":3750,"end_word":3775,"intents":[{"intent":"Discuss policy details","confidence_score":0.0025045036}]},{"text":"In the last twelve months, it's really been the financials and the resources that performed, leaving Bennelong's investment philosophy to not be as fruitful as it has in previous years. So Yep.","start_word":4047,"end_word":4078,"intents":[{"intent":"Review investments/investments","confidence_score":0.0000020166842}]},{"text":"that's due to the amount of assets you have in the growth sector.","start_word":4458,"end_word":4470,"intents":[{"intent":"Analyze asset allocation","confidence_score":0.0015685741}]},{"text":"So understanding that the market does behave differently Yep.","start_word":4788,"end_word":4796,"intents":[{"intent":"Understand market behaviors","confidence_score":0.0016576861}]},{"text":"Do you think that maintaining a high growth portfolio is something that you wanna continue with? I think so. Yeah.","start_word":4841,"end_word":4860,"intents":[{"intent":"Discuss portfolio management","confidence_score":0.0010506122}]},{"text":"The next document across is your certificate certificate of currency. So this refers to your life and TPD insurance held with Clearview. Yes.","start_word":4977,"end_word":4999,"intents":[{"intent":"Provide information about insurance coverage","confidence_score":0.00002184521}]},{"text":"is something probably to flag for the future that we will need to have a conversation about to make sure that, you know, your wishes and... In place.","start_word":5091,"end_word":5118,"intents":[{"intent":"Discuss future plans","confidence_score":0.08796376}]},{"text":"What this document is is it explains who we are, who I am, who we're licensed through, and that we, more importantly, are licensed with ASIC. It explains the different types of advice we can provide and how we do that, our fee guide, and also importantly, the complaints process should you ever be in a position that you need to do that. Yeah.","start_word":5130,"end_word":5193,"intents":[{"intent":"Provide service details","confidence_score":0.000008153859}]},{"text":"Leave that with me. I will get that reissued to you. It might be just a glitch in the background. So what I'll do is if you want, you can delete that email. I'll get it resent to you once I jump off the phone, And I'll also send through the estate planning brochure and some information on the insurances throughout the day today to Yeah.","start_word":5600,"end_word":5665,"intents":[{"intent":"Reissue documents","confidence_score":0.026981667}]},{"text":"Is is it possible to change the email address that you send them to?","start_word":5678,"end_word":5691,"intents":[{"intent":"Update email","confidence_score":0.5983181},{"intent":"Update email address","confidence_score":0.3054636}]},{"text":"Is is it possible to change the email address that you send them to? Of course.","start_word":5678,"end_word":5693,"intents":[{"intent":"Request a change in email address","confidence_score":0.0005872374}]},{"text":"And the only other item I just wanted to bring to your attention is at the moment for your life and superannuation fund, you do not have a beneficiary nomination. So Yep. what that means is if something was to happen to you, the trustees have full discretion as to where those funds are paid. If you wanted to make a nomination, I can arrange to get those funds sent to Yeah. Okay.","start_word":5769,"end_word":5841,"intents":[{"intent":"Arrange funds transfer","confidence_score":0.13407524}]},{"text":"And is she at the same address you are, 19 Lynette Avenue? No.","start_word":5868,"end_word":5880,"intents":[{"intent":"Confirm address","confidence_score":0.09245208}]},{"text":"And then lastly, with the beneficiary nomination, there's two options. There's something called a non lapsing binding and a binding. Yep.","start_word":5942,"end_word":5962,"intents":[{"intent":"Discuss beneficiary nomination","confidence_score":0.19256793}]},{"text":"So you'd need to complete a new form every three years to have a beneficiary updated. We would talk about your beneficiaries every year in your review anyway to make sure that they're accurate and reflect your wishes. Yeah. Yeah. The non the non lapsing one just means that you don't have to fill out a a new form every three years. If your situation changes, we would then issue a new form for you to be signed.","start_word":6026,"end_word":6103,"intents":[{"intent":"Update form","confidence_score":0.03589842}]},{"text":"I could get it printed out.","start_word":6145,"end_word":6150,"intents":[{"intent":"Print form","confidence_score":0.54728466}]},{"text":"So the next steps following this is that I'm going to go away and do some research to build an advice document just to change those investment options that we Yep. touched on.","start_word":6166,"end_word":6198,"intents":[{"intent":"Provide guidance","confidence_score":0.0012236086}]},{"text":"Is... In the next few weeks, I just need to book some time in with you, probably the week starting the October 26 at this stage, to book in maybe forty five minutes or so to just run through that Yep. advice document and the investment changes so that I have your authority to make those. Is there any day of the week that works best for you?","start_word":6200,"end_word":6267,"intents":[{"intent":"Book appointment","confidence_score":0.44556195}]},{"text":"We've had that fixed. We got notified by that by a few clients, and we're like, oh. So we rang out our tech people to get that fixed. So, hopefully, that's not happening anymore. Yeah.","start_word":6341,"end_word":6375,"intents":[{"intent":"Fix issue","confidence_score":0.19618665}]},{"text":"If I'm looking at the week of the twenty sixth, today's a Wednesday, would you like me to book something in around the same time? And if we need to change that, we can?","start_word":6458,"end_word":6491,"intents":[{"intent":"Change appointment time","confidence_score":0.19169848}]}]},"sentiments":{"segments":[{"text":"Hello? Hi. Is this Reece? Reece, this Yes. is Jenna Phoning from Oakview Financial. How are you today?","start_word":0,"end_word":17,"sentiment":"neutral","sentiment_score":0.09891453385353088},{"text":"Good. Thanks.","start_word":18,"end_word":19,"sentiment":"positive","sentiment_score":0.562113344669342},{"text":"Yourself?","start_word":20,"end_word":20,"sentiment":"neutral","sentiment_score":0.31000086665153503},{"text":"I'm well. Thank you.","start_word":21,"end_word":24,"sentiment":"positive","sentiment_score":0.4789511561393738},{"text":"Before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Yep. No worries.","start_word":25,"end_word":52,"sentiment":"neutral","sentiment_score":0.06064788997173309},{"text":"Fantastic.","start_word":53,"end_word":53,"sentiment":"positive","sentiment_score":0.5678732395172119},{"text":"And, Reese, can I please ask you to confirm your full name, date of birth, and address, please? Reece, William Cartwright. 07/20/1987, and 19 Winnet Avenue, Warrandyte.","start_word":54,"end_word":80,"sentiment":"neutral","sentiment_score":0.08460696786642075},{"text":"Fantastic. Thank you for that.","start_word":81,"end_word":85,"sentiment":"positive","sentiment_score":0.6422738432884216},{"text":"To avoid doing the three points of ID each time, did you wanna add a password to your file? You don't Like have to. like... It... It's That's it's... alright. It's not it's not that hard. Okay. That's alright. Okay. So the purpose of my call this morning is to run through your scheduled and your review. Do you have time to do that at the moment? Yep. Lovely. Okay. So probably the first thing I'd like to ask before we start is has there been any significant changes to your personal or financial situation since the last review you had? No. But we are currently talking to a mortgage broker. So Okay. I don't know if To refinance or that's just a buyer. to buy? Oh, fantastic. Yeah. How exciting is that? Yeah. When are you when are you thinking of buying? We're, Yes. We're going through that at the moment. So Okay. soon. Soon. And in and in Victoria where you are? Yeah.","start_word":86,"end_word":250,"sentiment":"neutral","sentiment_score":0.02222178317606449},{"text":"That's exciting. Oh, that's exciting. Hopefully, it all pans out quickly for you.","start_word":251,"end_word":263,"sentiment":"positive","sentiment_score":0.4437345862388611},{"text":"Yeah.","start_word":264,"end_word":264,"sentiment":"neutral","sentiment_score":0.2843085527420044},{"text":"It should be be good.","start_word":265,"end_word":269,"sentiment":"positive","sentiment_score":0.34852689504623413},{"text":"What what price range are you guys looking at? About 900. Yeah.","start_word":270,"end_word":281,"sentiment":"neutral","sentiment_score":0.0506855845451355},{"text":"Great. Oh, that's exciting. Oh, congratulations. Thanks. Something... It's something to look forward to.","start_word":282,"end_word":295,"sentiment":"positive","sentiment_score":0.5650609135627747},{"text":"Alright. So, well, I've just made a note of that. But what I might do is just run through a few of the details we hold on file just to make sure that everything we do have is correct and up to date. Yep. So I don't actually have anything here recorded for your marital status. Do... It's Can you advise what that is? like the factor, I guess. Yeah. De facto. Yep. Okay. Lovely. Which... Oh, that's changing soon too. Is it a secret? No. No. We just No.","start_word":296,"end_word":385,"sentiment":"neutral","sentiment_score":-0.004045084118843079},{"text":"no.","start_word":386,"end_word":386,"sentiment":"negative","sentiment_score":-0.34036004543304443},{"text":"We just pain ring shopping. Oh, exciting. Sorry Oh, for some that. more Yeah. exciting news. Yeah. Oh, that's exciting. Okay. The... So with your partner, what is their name? Sarah. Sarah and surname? McCray. How do I spell that? It's m c c r Yep. r e a. And E a. it's spelled Lovely. back to front And is what I'm used to. that's alright. And did you want Sarah noted here as your next of kin on file? Yes. Yep. Yeah? And what's her contact number? Sorry. What was that? What is her contact number? 0494 Yes. 161 Yeah. 410. Lovely. And do you guys have any dependents? No. No. Okay. Now, Reese, I have you here your occupation as a plumber. Is that still correct? Yeah. Fantastic. And employed full Yes. time? Yes. Yeah. What is your employer's name? The company name? Yeah. Statewide Emergency Plumbing. Statewide Emergency Plumbing. And Yep. how long have you been been with them for? So it's my father's company since I was, like, Oh, 17 okay. or so. Yep. Okay. Yeah. Fantastic. Alright. Sorry. I'm just making a note. And do you work at... Heights is a bit of a silly question, but any work at heights or handle any hazardous material? We do roof plumbing every now and then. Yeah? Would What it be what... over 12 meters? Nah.","start_word":387,"end_word":615,"sentiment":"neutral","sentiment_score":0.00795296486467123},{"text":"No way. No. No. I'm shit scared of heights, so nah.","start_word":616,"end_word":626,"sentiment":"negative","sentiment_score":-0.47371143102645874},{"text":"I'm talking, like, one or two story buildings.","start_word":627,"end_word":634,"sentiment":"neutral","sentiment_score":0.022883698344230652},{"text":"Yes. Beautiful.","start_word":635,"end_word":636,"sentiment":"positive","sentiment_score":0.5348188877105713},{"text":"Alright. And what... We have your income taxable gross amount in... At a 114,000. Is that still correct or has that changed? I think my group certificate just gone said '96, Yep. but Was that was that after your tax deductions or before? before Yeah. But in saying that, I Okay. get paid in, like, cash a fair bit too. So Yeah. Okay. Alright. Too easy. With your expenditure per week, we didn't have anything down. We only had a thousand dollars of savings per week. Has that changed? It varies. Yeah? Yeah. Okay. Expenditure wise, probably being maybe the more fixed as possible one. What Yep. do you Yep. reckon your expenditure is per week? Like, is in the two of us or just personally? Either or. You can probably just... You're you're part of it considering we don't have Sarah's details. Yep. It's a good question. I mean, currently, we... We're... I'm paying, like, $200 a week rent, which is Yep. nothing. Mhmm. Yeah. I don't know. Maybe... I don't know. We get, like, chalice fresh and stuff, so it's hard to figure out groceries because... I don't know. That... I'd just say maybe a $100. Yeah. Awake? Yeah. I mean, it's probably not that much, but just... Yeah. Yeah. Okay. Just say around that, I guess. Yeah. And your savings would vary. So the difference would be savings, do you Yeah. think? Yep. Yep. Okay. And you receive SG contributions, so the super contributions? Yes. But it's Yeah? sort of a bit... I mean, it's not it's not really up to date either. Okay. Alright. And I have here that you made some salary sacrifice contributions in the past. Are you still doing those? I've switched that off for a minute. Yep. I can't remember how long that's been. It's probably only been, I don't know, five months or so. Yeah. That's alright. Is that due to, you know, going through the mortgage process? Yeah. Just trying to... Yeah. Just trying to Mhmm. build that for now, and then I was gonna go back to it when, yeah, we're all sorted with that. Mhmm. Okay. That's fine. Now assets and liability wise, we only had a car here with no value but a debt attached of 35,000. Is that still correct? A debt attached to it? Yeah. Or it might just be in the wrong spot on our system. It might be valued at 35 with no Yeah. debt. I just No. That's... The car's paid for. okay. And how much do you... Is that valued at, do you think? I don't know. Maybe 25? Yeah. Any other assets and liabilities? I've got a second car as well, which is also paid for, Yeah. and that's probably valued around the same. Yeah. Okay. Any savings that you have? Yep. Yep. $175. Yep. Is that you and Sarah Tether? No. Just me. No. Just you. And is that... I'm... Is it gonna guess going towards the house? Part of it. Yep. Yep. Okay. And how much do you think you're gonna be using for a deposit? Not not entirely sure. Maybe about $1.80. But, I mean, that's combined. So Yeah. Okay. yeah. Probably, like, from mine, maybe a 150. Okay. Alright. Lovely. And with that, I guess, the the surplus, is that a cash buffer? Is that... What is that for you? Like, The remain... didn't... Oh. The... After the deposit? Yeah. Just... I don't know. Just... I don't know. Didn't wanna give the whole lot. Yeah. Yeah. So it kind of used as an emergency. Yeah. I'm sort of still... I've still undecided which way to go with it because I've got shares as well, which aren't... I mean, they're not doing a whole lot. But, Mhmm. yeah, I'm sort of undecided if I sell them and use that to make the mortgage cheaper or Okay. leave it. How how much are the shares worth? 42, I think. 43 maybe. Any... Yeah. Any debt attached to those? Any what? Sorry? Any debt attached to those? To the shares? Yeah. No. No. What kind of shares are they? Like, Just are they on a mixture? just on the... What do you mean by that? Like, ETF Oh, like, and stuff? is it a, yeah, is it is it specific shareholdings in a specific company, or is it a combination of them, of different companies you hold? It's just three ETFs. Oh, three ETFs. Okay. Yeah.","start_word":637,"end_word":1383,"sentiment":"neutral","sentiment_score":-0.03883001604273297},{"text":"Fantastic.","start_word":1384,"end_word":1384,"sentiment":"positive","sentiment_score":0.6172553300857544},{"text":"And did you set those up yourself? Yeah. Yep. Yeah. Okay. Did you wanna seek advice on whether... Like, what the capital gains would be if you were to sell them and so on, or you're happy to manage that yourself? I mean, potentially. I just wouldn't wouldn't Yeah. be able to do that today, though. No. That's absolutely fine. I've got crypto as well, which was really unsure. Mhmm. How much do you have with that? That's currently worth about 70 k. Yep. I don't really buy and sell. At one stage, it went up to Yeah. just over $120, Nice. but I left it. And, yeah, it came all the way back down to 50 maybe, but it's sort of gone back up. So I just I just left it. Yep. Okay. Told myself if it ever got to that price, it was that I'd sell it. Alright. Okay. So they're back up to the $1.20? Yeah. Okay. Yeah. And Because that's still that's still your your your goal or ambition at the moment for that? Well, I mean, if I don't have to touch it, I guess I'd leave it. But... Yep. Yeah. So I'm sure maybe it's... Yeah. Maybe it's the worst getting rid of it and I don't know. Making Yeah. the mortgage paper, I suppose. Okay. Alright. Any other assets you can think of? Like, in... Like like what? What do you mean? Gosh. Any other investment assets outside of your superannuation? Any other savings? Boats, caravans, anything like that? No. No. No? Okay. Beautiful. Have you ever been declared bankrupt or been a part of a death agreement? No. No? Lovely. And moving on to health and lifestyle questions here. Are you a Mhmm. smoker? No. No. Any significant health issues or injuries? No. No. Do you take medication for anything? Just like... I mean, I've got a Ventolin, but hardly ever used it. Yep. Okay. Yeah. Apart from the usual, like, hay fever shit that Oh, I'm yeah. not really. No. Just medicate. Kind of like prescription medication. So your insulin, is that what is that for? Yeah. Just like an asthma puff are, I'm in. Oh, asthma, papa. Sorry. Yeah. I thought Yeah. you said I Nah. thought you said insulin. Sorry. I I didn't Nah. wanna assume whether it was what type of diabetes it was, so it's... That's I fine. definitely don't have My that. mistake. My mistake. Do you have any private health insurance? Yes. Yeah. Who's that with? HCF. Okay. And what's your height and weight? My height? Question. I think I'm a hundred and seventy Yep. five centimeters maybe Yep. And wait. and seventy one. Lovely. And then probably last lot of the invasive questions I have for you this morning. Yep. Do you have a will and power of attorney in place? No. No. Is it something you and Sarah are looking at? Honestly, we've never spoken about Yep. it. Okay. Eventually, she's... Yeah. Yep. I don't know. It's very hard, like, all this life decisions we've been making are, like, six months to a year in advance because she's Canadian Mhmm. Yeah. Okay. and moved here August 2024. And Yep. we've got, Okay. like, permanent residency in July. So it's been been hard to make decisions because, you know, everything's a bit of a waiting game. But, yeah, now we're sort of on top of all that. Yeah. Okay.","start_word":1385,"end_word":1959,"sentiment":"neutral","sentiment_score":-0.047516469819390256},{"text":"That makes sense. That absolutely makes sense.","start_word":1960,"end_word":1966,"sentiment":"positive","sentiment_score":0.5518218278884888},{"text":"Alright. Alright. So we had here that you wanted to go to Canada once or twice a year. Is that still something you've... You both plan on working towards? Yeah. We've been the last two years. Yep. So it'd be more... Is is it her family over there? Yeah. Yep. Yeah. So would it be more likely be once a year if you purchase a property and have other expenses come up or still aiming for twice a year? Honestly, no idea. It's just probably gonna Yeah. vary depending on... Yep. Yeah. Yeah. I understand. Yeah. So outside of probably those goals and objectives, being traveling to Canada, purchasing your new home, ring shopping, potentially looking at investment options and what to do with those in relation to the house that you intend on purchasing. Yep. Anything outside of that that you can think of that would be a goal that you need to work towards or wanna look at from a financial planning personal lifestyle perspective? I don't know. Honestly, like, I don't know. It's kinda it's kinda been, like, one thing at a time, I suppose. Trying to... Yeah. I don't know. It's hard to decide that before, like, the house and stuff like that. Of course. Of course. Okay.","start_word":1967,"end_word":2178,"sentiment":"neutral","sentiment_score":0.007710379082709551},{"text":"That's good. That's good. That gives me something to kind of work around.","start_word":2179,"end_word":2191,"sentiment":"positive","sentiment_score":0.4149604737758637},{"text":"Just with your superannuation, what would you... What is it that you're hoping to achieve with your superannuation? Like, what are your goals for it? Yeah. I don't know. Before the whole house venture, I thought about I thought about going down this road of buying a rental with it, but Mhmm. I've sort of been on the show. Yeah. Yeah. So those rules have changed recently Yep. in relation to residential property within self managed super funds. It's the... It's more now that you are able to buy commercial properties Yeah. as opposed to residential properties. So those rules did change only recently. Yeah. So... I mean, it didn't Yes. necessarily have to be residential. Just, Mhmm. you know, and, obviously, because they they can't live in it anyway. So Yep. Yep. Okay. So you would be restricted to a commercial type property. Is that something you're still thinking about? Or... Potentially. Like, if it's... Yeah. I guess I'd... I don't know. It depends on the recommendation, I suppose, what's Yeah. a better way to go about it. Mhmm. Okay. If we're looking at that, what would be the time frame you'd wanna look at that in? What to well, I guess it depends on what you guys recommend, I suppose. Yeah. It it... Would it be a goal in, say, for example, two years time to look at it or three? Depending on what you've got going on now with the home, is it something that would be prioritized towards, I don't know, maybe post organizing your residential purchase. Probably just the time frame of when you think. Yeah. I don't know. Maybe, like, two years, Two years? Okay. Yep. And cost wise in superannuation, I is that something that you think about or is important to you, like, the suppose. fees involved and... Or is it returns that you're more more after? I mean, yeah, definitely a return, I suppose. Yep. Yep. Okay. The reason why I ask is a self managed super fund typically is significantly more expensive than the type of arrangement you have now, especially when you take property into consideration. So I do ask that for a reason. Yeah. That's Okay. So you're not overly fee conscious. It's more what's gonna potentially... Yeah. I mean, it was Yep. just a thought with not knowing Mhmm. which way to go and obviously, with all the Yeah. real changes you were saying. Yeah. Sort of... Yep. I don't know. Because, like, before we were gonna buy a house, we, you know, was potentially gonna rent, and and then I was gonna maybe go down that avenue of buying, like, a rental or something like that. Yeah. Okay. But we're sort of not set on anything or just a little bit of an you know, a few ideas in that stage. Okay. Alright. Alright. Leave that one with me. I'll have a look at that. And then with estate planning, I'm just gonna mention, it's probably something that yourself and Sarah do need to look at. Particularly, like, looking at your net wealth individually, you've got some significant net wealth there even outside of your potential house purchase in the future. Yep. If something was to happen to you, there's no legal document in place directing where you want your assets to be transferred or paid to. Yes. Without that, it goes through, basically, the public trustees to make those decisions, and it can be a drawn out process. So if Sarah has somewhat of a similar situation to yourself, it is probably worth looking into getting a will, drawn up. Additionally, Yep. a power of attorney, which allows someone to make, you appoint someone to make financial and health decisions on your behalf should you be unable to do so, so if you're incapacitated in any way. Yep. So that's probably something you should both definitely look out. K. I can send you through a brochure for someone that we work with.","start_word":2192,"end_word":2858,"sentiment":"neutral","sentiment_score":-0.005223781549032484},{"text":"Cost wise, very reasonable considering some of the ones I've seen in the past.","start_word":2859,"end_word":2872,"sentiment":"positive","sentiment_score":0.3373314440250397},{"text":"So Mhmm. I can I got send it. that through to you if you like. Yep.","start_word":2873,"end_word":2888,"sentiment":"neutral","sentiment_score":0.1543162763118744},{"text":"That'd be good.","start_word":2889,"end_word":2891,"sentiment":"positive","sentiment_score":0.4078850746154785},{"text":"Yeah. Okay. Okay. And then... Okay. Sorry. Just writing that down. This is one of my little action items to do. What I'm going to do now is... Do you have access to your emails at all? Yep. Yeah? Yep. I am going to send you an email. It is gonna have your annual review documents within them, and we're just gonna talk through those. When you do receive it, you will need to open it and click the button that says sign here or click here to complete. You're not signing anything at the moment. We're simply just gonna talk through those documents Yep. in relation to your review and discuss any key areas. So when you Okay. have that open, can you please let me know? It should come from Odusign or Jenna Wheeler Odusign. I have got that. Hold this. It's open.","start_word":2892,"end_word":3036,"sentiment":"neutral","sentiment_score":0.041214468664136424},{"text":"Beautiful.","start_word":3037,"end_word":3037,"sentiment":"positive","sentiment_score":0.6394352912902832},{"text":"So the first document you should be seeing is the summary of super and insurance. Yep. So what this is is a summary page of where your situation's at. Currently, your super is held within hub 24 with an approximate balance Yep. of 201,414, and you have life and TPD insurance of 326,197. That premium is funded through HUB24, your super balance, Yep. and it's $425.65 a Mhmm. year. Now looking at your insurance, you don't have income protection or trauma insurance. Have they been explained to you in the past? I used to have income protection, and it Mhmm. was steps... I think it started off, like, $180 a month, and by the end, it was, like, 300 and something. Yep. Yeah. I didn't have health insurance then, so I I mean, it's probably not the same, but my health insurance... I got that and the income protection, and Mhmm. my health insurance has got, like, an accident cover. Mhmm. So that's just what I've, yeah, what I've got at the moment. Okay. Given that you're looking at purchasing a home, Mhmm. if something was to happen to you injury or illness wise... Yep. I mean, you've got the accident policy, which is is... Sounds like a general type insurance product. It... It's it's something at least. But if you are unable to work due to injury or illness, you'd Yeah. have no source of income. So income protection is something I would probably suggest looking at. Premiums, we can definitely look at. And premiums are, for example, they will vary depending on the terms of the policy that you have. So there's something called a waiting period, which is the number of days you need to wait before you're eligible to be paid from a claim. So they vary Yep. from thirty days to sixty days to ninety days. Looking at your cash reserves and assets, you know, you have funds available to you Mhmm. to have a longer waiting period to make the premium more affordable, should that be something that you want to look at. The other thing that impacts the premium is what we call a benefit period. So that goes from two years to five years to eight sixty five and varies amongst different companies. Yeah. And what that means is depending on the severity of your injury or illness, it's the maximum term you can be paid for that particular injury or illness. So that also does impact the premium, but I would strongly recommend given the fact that you're looking at purchasing a home.","start_word":3038,"end_word":3469,"sentiment":"neutral","sentiment_score":-0.04685302644416138},{"text":"If Yep. you are unable to pay that mortgage, that's gonna put financial strain on you and Sarah. We can at least look at it at the cost of it.","start_word":3470,"end_word":3499,"sentiment":"negative","sentiment_score":-0.5836845636367798},{"text":"What you can do is cover up to 70% of your taxable income, so it'd be 70% of the 96,000. So it's not Yep. gonna cover everything, but it's designed to help cover the essentials. Is Okay. that something you want me to look at for you? Potentially. But to be honest, I... When I had it and Mhmm. I thought it was too expensive, I looked into Mhmm. bank Mhmm. changing it. And then it's like I was too honest on the Okay. questionnaire because the quote I got back was more expensive. So I just got rid of it. Alright. Let's visit that in a second. I'll ask some more questions about that in a second. The... I'm assuming that's to do with lifestyle questions that you Yeah. would... That Yeah. as well. But also, it was like, you know, if I had counseling or something before. You Yeah. know what I mean? That seemed to Yeah. go through the roof. Yeah. Yeah. So typically, what would happen in that scenario is not necessarily a increase in premium. It's more likely to have an exclusion for that type of thing. So what I'll do is I might touch on that in a little bit in a little bit further detail. And, again, we don't have to look at it. It's just I need to provide you with the information so you can Yep. consider Okay. it at least. Yep. And then the other type of policy is trauma. So what that is is it's a lump sum benefit that's paid tax free. The premium is paid from your personal cash flow. If you're Yep. diagnosed with a insurable event, so they range from different types of cancer, heart attack, stroke, Yes. and they're designed to kind of be a stop gap between your income protection and returning to work. Typically, some funds there to cover out of pocket medical expenses and a little bit of a recuperation period. Is that something Yep. you'd wanna I mean, I'd look probably speak to my partner into? about it first. Yep. Yep. I can send you some information on that with the estate planning brochure too. Yeah. Maybe just the maybe just the things that I should look into. You know what I mean? Consider, Yep. as you Yep. were saying.","start_word":3500,"end_word":3889,"sentiment":"neutral","sentiment_score":-0.02643307602176299},{"text":"Absolutely. I can do that.","start_word":3890,"end_word":3894,"sentiment":"positive","sentiment_score":0.4066754877567291},{"text":"Absolutely. Alright. The next document in that pack is your performance report with Hub. The Yep. first thing that we'll talk about is that top fund there being the Bannalong Australian Equities Fund. You'll Yeah. see that over the last twelve months, it's significantly underperformed. Sorry. Sorry. Click... Sorry. I was meant to click next document. No. That's okay. Yep. So the next... So this is your performance with your superannuation over the last twelve months. Now that first fund at the top there investment option is the Bennelong Australian Equities Fund. Yeah. Yep.","start_word":3895,"end_word":3988,"sentiment":"neutral","sentiment_score":-0.040885020047426224},{"text":"Had a a rather poor performance in the last twelve months.","start_word":3989,"end_word":3999,"sentiment":"negative","sentiment_score":-0.5168127417564392},{"text":"The reason being is that each different investment manager has different mandates or philosophies, Yep. and then Yep. along Australian Equities Fund is to, best way to explain this, source Australian companies within the share market that they believe are undervalued for Yep. potential future growth. In the last twelve months, it's really been the financials and the resources that performed, leaving Bennelong's investment philosophy to not be as fruitful as it has in previous years. So Yep. given that, as a company, we have reviewed that along for our clients. And at the moment, we're looking at alternatives for clients for replacements. Is that something that you're happy for me to look out for you? Yeah. Definitely. Yeah?","start_word":4000,"end_word":4118,"sentiment":"neutral","sentiment_score":-0.08421091563185724},{"text":"Lovely.","start_word":4119,"end_word":4119,"sentiment":"positive","sentiment_score":0.5043255090713501},{"text":"The other one... There's two others in your portfolio that I do wanna have a look at as well. The second one down being the beta bank hybrids. Yep. There's nothing fundamentally wrong with that investment option. There's just some changes in the market coming. So from January 2027, the Australian banking system's gonna be phasing out the hybrid investment options. Yep. So rather than sitting and waiting to see what the replacement option's gonna be, I wanna be a little bit more proactive to look at alternatives now while it's still valued while producing an income and whatnot. So if you're happy for me to do that, I'd like to do that also. Yep.","start_word":4120,"end_word":4234,"sentiment":"neutral","sentiment_score":0.14574722945690155},{"text":"Sounds good.","start_word":4235,"end_word":4236,"sentiment":"positive","sentiment_score":0.3464615046977997},{"text":"And then the last one in your portfolio is the bottom one, the Van Eck Property ETF unit. Property is taking a bit of a nosedive due to a number of reasons, Yeah. mainly interest rates at the present moment. Yeah. So I'd like to look at your property exposure as a whole in the portfolio and see if that's something that we wanna retain in your portfolio moving forward. Yep. Yep. Okay.","start_word":4237,"end_word":4309,"sentiment":"neutral","sentiment_score":0.040823668241500854},{"text":"Fantastic. So overall, in the last twelve months, you have had a net return, so that's after phase, of 2.95%.","start_word":4310,"end_word":4329,"sentiment":"positive","sentiment_score":0.36354243755340576},{"text":"Yep.","start_word":4330,"end_word":4330,"sentiment":"neutral","sentiment_score":0.28691214323043823},{"text":"Now the Bennelong Fund itself has turned around and improved... Is performing positively in the last couple of months so that your next twelve month return is looking much better, but we have you invested as a high growth investor.","start_word":4331,"end_word":4370,"sentiment":"positive","sentiment_score":0.47353458404541016},{"text":"So what that means is we have 90% of your assets allocated to growth funds, which is shares, listed property, and then 10% to defensive assets such as fixed interest and cash. Yep.","start_word":4371,"end_word":4403,"sentiment":"neutral","sentiment_score":0.22928477823734283},{"text":"What that means is one in every five years, you can expect statistically a negative year, Yep. and then that variance being between plus or minus 14%.","start_word":4404,"end_word":4430,"sentiment":"negative","sentiment_score":-0.4081733524799347},{"text":"So, you know, in a good year, you could potentially expect a plus of 14%.","start_word":4431,"end_word":4445,"sentiment":"neutral","sentiment_score":-0.22311748564243317},{"text":"In a bad year, you could expect the opposite essentially.","start_word":4446,"end_word":4455,"sentiment":"negative","sentiment_score":-0.5176383852958679},{"text":"And Yeah. that's due to the amount of assets you have in the growth sector. The expected return between a high growth... In a high growth portfolio is between eight to 10% a year, averaged Yep. out. So not every year, but averaged out. And a minimum time frame of investment for eight years. So what that tells us is is that to withstand the fluctuations within the market, you'd need to be invested in that type of gross... High growth portfolio for at least eight years to, in a bad year, make back the the funds, basically. Yeah. So given that you're twenty one years away at the moment Mhmm. from being legally able to access your superannuation, you do have time on your side to remain invested in a high growth portfolio should that be something that you are still comfortable with. Yeah. I think so. Yeah? Well, the next document over, if you click next, it just talks a little bit... I'd use this as a a guide just to understand the risk profile a little bit more. So in the top four there, you'll see US shares, Australian shares, international, and listed property. Yep. They're your growth assets. So that's where we would expect to see about 90% of your superannuation invested across those different sectors, and you can see the volatility that those experience. Yep. Mhmm. The bottom two being bonds and cash, they're your defensive assets. So over the long term, minimal growth, more income producing. Yep. So in... As we get to retirement, you see that those gross asset exposures typically decrease, and the income producing ones increase a little bit. So it takes a bit of a a change. Yep. So worldwide events, you know, can can cause the market to behave in different ways. Across the top of the page there, you'll see different events that have occurred being COVID nineteen, for example. The market took a significant dip, but then also recovered. So understanding that the market does behave differently Yep. in different times is something that's important for someone invested in a high growth portfolio. Understanding that there are gonna be negatives and bad times, but you do have time on your side to withstand that if you are comfortable with it. Yep. Yeah.","start_word":4456,"end_word":4840,"sentiment":"neutral","sentiment_score":-0.01909113454257513},{"text":"Do you think that maintaining a high growth portfolio is something that you wanna continue with?","start_word":4841,"end_word":4856,"sentiment":"positive","sentiment_score":0.4307153522968292},{"text":"I think so. Yeah. Yeah. Yeah. Yep. Okay. What makes you hesitant? I'm not. I think it's been No. that the whole time I've been with you guys. And before that, I was with Sebas, and it sort of didn't really Yep. seem to do much, to be honest. Yep. That's okay. I only asked hesitant because you said you think so. So I just wanted to make sure that there wasn't any concern there or questions that you you might have had. Yeah. I mean, we'll put it this way. I don't... Like, I can't access it anytime soon, Yeah. so it may as well be, you know, Yep. trying to make as much as possible. Completely understand. Alright. The next document across is your certificate certificate of currency. So this refers to your life and TPD insurance held with Clearview. Yes. It's... The certificate certificate of currency means that it is paid and it is enforced. So it is paid until the 07/18/2027. Your levels of cover are there. Something that I will flag with you once you purchase the house is that Sarah and yourself may want to consider reviewing your life insurance covers and what it is that you want to achieve should one of you pass away, and that might be to repay debt on the house so the remaining partner has a debt free home. So that Yep. is something probably to flag for the future that we will need to have a conversation about to make sure that, you know, your wishes and... In place. Yep. The next document across is the financial services guide. What this document is is it explains who we are, who I am, who we're licensed through, and that we, more importantly, are licensed with ASIC. It explains the different types of advice we can provide and how we do that, our fee guide, and also importantly, the complaints process should you ever be in a position that you need to do that. Yeah. No worries. The next document across is your ongoing service agreement. So Mhmm. that's the fees that we charge on your superannuation fund. So on the top of the second page, it is estimated to be $3,485.41 per annum. Now Yep. that is then broken down and paid monthly. So for a twelve month period... I mean, monthly, over twelve months, you're looking at $290.45, and that Yep. is deducted from your superannuation balance. And Yep. it... What it covers is your regular reviews, any changes that I'm gonna recommend post this review, so being those investment Mhmm. changes that we're gonna look at. It also doesn't limit you to your regular... In your reviews. If your situation changes or you need further advice, you reach out, make contact with booking a time, and run through that. So you're Yeah. not limited in any respect. So that's what that fee covers. Okay. So if you're happy to continue for the next twelve months, that's one form you will need to sign, and Yep. you can do that electronically through this. And Okay. the last document in that pack is your option to... Well, it's basically the authority to... For us to retain your tax file number. So we do have that on file, and we have that on file from when we established your superannuation fund Yep. to ensure that you weren't overtaxed in super. So by you signing that form, you acknowledge that we do hold that on file, and you do give us authority to do so. Okay. No worries. Any questions so far? I don't think so. No. Just that... Okay. Sorry. The consent to renewal, Mhmm. is that... Can that be done online? Yeah. Yep. So in the documents you're in, if you click... There should be an option where you... It says sign here on the third page. I've got that on the last... Yeah. So I've got options revised your... And then there's one that says your election. Will will that go through all the signable pages, basically? Yes. Because So the if other one is for you... that. Yeah. If you jump out and maybe go back in and navigate to those last two pages, there should be the option for you to sign them electronically both through this through this link. Oops. Yeah. I've only got... It only comes up with that on the last page. Like... Okay. Alright. Leave that with me. I will get that reissued to you. It might be just a glitch in the background. So what I'll do is if you want, you can delete that email. I'll get it resent to you once I jump off the phone, And I'll also send through the estate planning brochure and some information on the insurances throughout the day today to Yeah. use... For you to talk about with Sarah to consider. Yep. Okay. Is is it possible to change the email address that you send them to? Of course. What email address would you like to update that to? So it's r h y s y Mhmm. one ten One ten. Yep. @gmail.com. Okay. I'm just gonna read this back to you. It is r h y s y one Yep. 10@gmail.com. Yep. Yes. Okay. So we'll update that on our end. We'll also... If there's any forms to be signed, send those to you to be... To update with Hub and Clearview. Yep. And the only other item I just wanted to bring to your attention is at the moment for your life and superannuation fund, you do not have a beneficiary nomination. So Yep. what that means is if something was to happen to you, the trustees have full discretion as to where those funds are paid. If you wanted to make a nomination, I can arrange to get those funds sent to Yeah.","start_word":4857,"end_word":5840,"sentiment":"neutral","sentiment_score":0.060830706685054595},{"text":"Okay. That'd be good. you. Thank you.","start_word":5841,"end_word":5847,"sentiment":"positive","sentiment_score":0.5363644531794957},{"text":"Yeah. Do you know who you want your beneficiary to be? I'm probably... Yeah. Sarah. Sarah? Yeah. Okay. Alright, Rosalie. And is she at the same address you are, 19 Lynette Avenue? No. Well, that's just... That's my mailing address, but Okay. she's at... Do you need her? Just... If you would... If you want me to prefill the form, yeah, I'll grab her address. Or if you're happy to complete the form when you receive it, you can complete it all then. Okay. Yeah. We'll we'll just do that, I think. Yep. Okay. And then lastly, with the beneficiary nomination, there's two options. There's something called a non lapsing binding and a binding. Yep. What it means is that the trustees are bound by your beneficiary nomination, so they can't change it. The non lapsing means exactly that. It doesn't lapse until you lodge a new form to update that, whereas a binding means you need to renew it every three years. What would be your preference? So you could just review it every three days? Yeah. So you'd need to complete a new form every three years to have a beneficiary updated. We would talk about your beneficiaries every year in your review anyway to make sure that they're accurate and reflect your wishes. Yeah. Yeah. The non the non lapsing one just means that you don't have to fill out a a new form every three years. If your situation changes, we would then issue a new form for you to be signed. Okay. Yeah. That that one sounds better. Yep. And on lapping.","start_word":5848,"end_word":6114,"sentiment":"neutral","sentiment_score":0.06367003172636032},{"text":"Perfect.","start_word":6115,"end_word":6115,"sentiment":"positive","sentiment_score":0.521364688873291},{"text":"Alright. Yeah. Well, we'll get that sent to you as well. Do you have access to a printer to print that and complete, or do you want it posted? I could get it printed out. That's fine. Yep. Okay. That's alright.","start_word":6116,"end_word":6156,"sentiment":"neutral","sentiment_score":0.16306400299072266},{"text":"We will get that sent to you. Alright. Lovely.","start_word":6157,"end_word":6165,"sentiment":"positive","sentiment_score":0.4165094196796417},{"text":"So the next steps following this is that I'm going to go away and do some research to build an advice document just to change those investment options that we Yep. touched on. Is... In the next few weeks, I just need to book some time in with you, probably the week starting the October 26 at this stage, to book in maybe forty five minutes or so to just run through that Yep. advice document and the investment changes so that I have your authority to make those. Is there any day of the week that works best for you? I mean, I honestly got no idea what I'm doing those days yet, so not not really. Just... Yeah. It doesn't really matter. Yep. I know... Okay. When I returned call last week to make this appointment, I Yep. I noticed that one of the numbers you guys call off comes up on my phone as, like, do you have a Androids come up with the, Yes. Yeah. like, potential scam or whatever? Yeah. We've had that fixed. We got notified by that by a few clients, and we're like, oh. So we rang out our tech people to get that fixed. So, hopefully, that's not happening anymore. Yeah. I Did that was... happen That's... this morning? No. It didn't. Just that's... Yeah. Beautiful. That's that's why I was probably hard to get in contact with. No. I understand that. I would be exactly the same. So thank you. I think we've rectified that. But, yeah, if it does... If if you do ever experience that again, please, like, Yep. please feel free to give us that feedback so we can make sure that that is... Doesn't continue to happen. Yep. If I'm looking at the week of the twenty sixth, today's a Wednesday, would you like me to book something in around the same time? And if we need to change that, we can? Yeah. Yeah. Yes. So Wednesday, the twenty eighth at about... Not even looking the right day. Nine, which is ten your time? Yep. Yep. Yep. Yeah. Okay. We'll send you a text message. I'll I'll set a text message reminder for the afternoon before to Yep. calendar. Yep. That'd be fine. Alright.","start_word":6166,"end_word":6543,"sentiment":"neutral","sentiment_score":-0.03896632787608911},{"text":"Lovely.","start_word":6544,"end_word":6544,"sentiment":"positive","sentiment_score":0.4583063125610352},{"text":"Hey.","start_word":6545,"end_word":6545,"sentiment":"neutral","sentiment_score":0.32510414719581604},{"text":"Just to Fantastic.","start_word":6546,"end_word":6548,"sentiment":"positive","sentiment_score":0.5483893156051636},{"text":"let you know that the reminder message I got this morning Well... Yeah. came through at 08:00, and it says reminder of your appointment at 8AM, Vic time, which is when I got the message. Daylight savings is... Because we're in Queensland. Yeah. Sometimes it takes our brains a little while to adjust, particularly if it was sent just... This is our first week doing it. So I'd say there was probably a little bit of a error there, but thank you. I will let the team know Alright. and make sure that that doesn't happen again. Okay.","start_word":6549,"end_word":6646,"sentiment":"neutral","sentiment_score":-0.02569780126214027},{"text":"Alright. Fantastic. Well, thanks for your time, Reese. I really do appreciate it, and I look forward to speaking to you in a couple of weeks to talk through those Okay.","start_word":6647,"end_word":6677,"sentiment":"positive","sentiment_score":0.6899930834770203},{"text":"changes.","start_word":6678,"end_word":6678,"sentiment":"neutral","sentiment_score":0.2854669988155365},{"text":"No worries. Thank you. Lovely. Thank you so much. Enjoy your day. You too. See you.","start_word":6679,"end_word":6694,"sentiment":"positive","sentiment_score":0.665538489818573},{"text":"Okay. Bye.","start_word":6695,"end_word":6696,"sentiment":"neutral","sentiment_score":0.23731641471385956}],"average":{"sentiment":"neutral","sentiment_score":0.0109238248057436}}}}