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Just before I go any further, I do need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Lovely. And can I please ask you to confirm your full name, date of birth, and address, please? Thank you so much for confirming that. I appreciate it. Would you like me to add a password to your file so you don't have to do the three points each time, or would you prefer to do the three points? Okay. What would you like to... Your password to be? Yes. And did you wanna... Yep. Yes. Yes. Yep. Yep. 350. Did you want me to put a prompt there and get a prompt for you to... A reminder in case you forget it? Okay. Fantastic. Okay. Fantastic. Alright. I've updated that for you. The purpose of my call today is we've got out in your review scheduled. Do you have time to still complete that now? Wonderful. Before we get into the nuts and bolts of it, I'd probably... I'd like to just start by asking, has anything significantly changed for you personally or financially in the last twelve months that yeah? Okay. Okay. Yes. Okay. Okay. Okay. So with that and the casual work, is it can... Is it the one employer that you're doing casual work for, or is it a few? Okay. And what's their name? Okay. And is it part time... Oh, no. You said it's casual. How many hours do you do roughly per week? Okay. Yep. Okay. Varies depending on roster. That's absolutely fine. So still still a shift? Yeah. And is it still the FIFO work... Is it still on the rigs, or is it mining or oil and gas? Yeah. Okay. And I'm just making some notes to update all this. Okay. And what do you estimate your income to be annually at the moment? I know that's a bit hard to... Given it's casual. Okay. Yep. Is that plus super? Okay. Should we average it out anywhere between 80 to a 110 or just, like... Yeah? Okay. I'll do that in a little bit. And savings wise, we had... You weren't doing any savings last time, and your expenses, we didn't have a figure. Do you have any idea... Have any of those changed? Or... Mhmm. Yep. Yes. Doesn't miss you. No. Okay. So are you are you able to do any savings per week at the moment that you're doing? No? Yeah. Yep. Yep. Yeah. Of course. Yes. I understand. Okay. So, well, then expenses wise, is is it still that basically everything coming in is just getting spent for expenses expenses? Yep. Okay. Do you make any additional contributions to super? Yep. You still up there? Yep. Yep. Yeah. You can do it at any time you you want. It's more probably to consider with your expenses whether it's affordable or not. So it's up to you when you start it. You don't have to be full time to add extra money to your super. It's more is it affordable? Yep. That's absolutely fine. We can revisit that when the time comes. Yeah. Yep. So do you have an EBA with your... With Evolve Talent? No? Alright. So you said you sold property. Was that the investment property that you sold? Yeah. So you still have your principal residence? Yeah. How much do you think that's valued at? Yep. Okay. And what's the debt on that? Okay. Fantastic. And then with your other assets, we had a car noted here for 40,000 value with 14,000 debt. Is that still there? Okay. That's lovely because I know that was one of your goals to get that paid down, so that's fantastic. And we had some shares, oil and gas for 4,500. Do you still have those? Yeah. Are they still valued around the same amount? Yep. Oh, okay. That's right. Okay. Beautiful. Alright. Just a couple of financial and lifestyle questions. Have you ever been declared bankrupt or had a debt agreement? No. Are you a smoker? No. Do you have any significant health issues or injuries? No. Do you take any medication? Do you have private health? Yeah. Oh, who's that with? A h m. And... Okay. Do you know what your height and weight is? Yeah. Fantastic. And do you have any wills or powers of attorney in place? No. Okay. Lovely. That's the the bulk of my invasive question, so I apologize about that. That's alright. What I'm gonna do is just circle back to the goals and objectives that we had on... We have on file for you to see if they're still current and update any new ones. So the one that we have is your main goal for the last twelve months was to focus on your health. You'd recently broken your leg at work, and they were covering 90% of your income. So has oh, 80%. So has that all been finalized now? Yeah. Okay. No. It doesn't seem to, does it, these days? No. Yes. Yeah. Yep. No. That's that's good. Alright. With... We had one here as well that you wanted to focus as... Focus on saving as much as possible and pay down the car. So you're still working on paying down the car? Okay. Okay. Anything new that you can think of that is a new goal for... That you wanna work towards? Yeah. I understand. Where would you like to go? Yes. Okay. Yep. Okay. Lovely. That's lovely. Holidays and travel are super important, I think, in my own personal opinion. With your insurances, you're currently insured for a small amount of life and PPD. Are you happy with those levels of cover? It's currently sitting at about 177,000. Do you think that would meet your your needs of having life and TPD insurance? Yeah. Yeah. What about income protection? You don't have any income protection. And where that probably... Yep. Yeah. Oh, did you? So it wasn't specifically underwritten, so to say. That's that's frustrating. Is that... Yeah. Because that that would have probably come in pretty handy when you had hurt yourself as well. Yeah. Okay. Is that something you wanna look at now? Yeah? Okay. So if we were to look at that, there's a number of different factors which I'll go through with you shortly about that to kinda get a gauge of what you're thinking to work towards that. With estate planning, are you planning on doing a will or power of attorney anytime soon? No. Yep. Okay. The reason I ask is we do have a professional partner that we work work... Or works alongside us with our clients. It is quite affordable compared to what I've seen in my years in the industry. I have a brochure. Would you like me to send the brochure to you for you to have a look? Yeah. Perfect. I can get that some post down meeting. And then from a beneficiary point of view for your life insurance and your super, we've got Evangeline. Did I say that right? Oh, great. I'd I'd I'd dread saying it the wrong way. Nominated as your beneficiary. Is that still current? Lovely. Okay. With your... Yeah. No. You've only got Evangeline down as a 100%. Yeah. Okay. Let let me have a look. Okay. Let me look into that. Can I ask a question? How old is Erica? That's fine. The reason why I asked that is when we have adult children, so children over the age of 18, any superannuation or insurance benefits paid to a child over the age of 18 under super law is considered a nonfinancial dependent and they're taxed. So that's why... So Erica would not be taxed, but that's why I'd asked that question as to how old she is. Okay. Let me double check. Yeah. There's a way... What would happen then is we would look at having Evangeline nominated because she's your spouse, partner, de facto. She would receive the funds tax free because she's considered a financial dependent. So... And then alternative to that is we can direct it through your will, which will still pay tax, but it's a little bit less than to an adult child. So we can just... We'll just keep revisiting that, especially as Erica reaches age 18. Okay. Now I have a question for you. You are 57 years old. What are you thinking about retirement? Yeah. Why is that? Yeah. Okay. Yeah. That's that's a very common common question and something that's brought up. And across my time, it's it's something that's very consistent. What I always tend to say is there's a financial preparation side and then there's a mental preparation side. It comes... There's two parts. Yeah. So the mental preparation side is kind of gearing up, finding hobbies, finding the things you like to do. Maybe it's a slow transition to retirement where you reduce work for a period of time rather than a full a full blanket stop. Exactly. So what I'm going to flag with you is to have a think about what retirement looks like for you. You don't have to answer me today. This is something that we will continue to discuss at our ongoing reviews, but it is it is something that we've, you know, being 57, you're actually legally able to access your super in about three years. So we will... We're gonna start having those discussions a little bit in a little bit more detail. Yes. So with that, we can help plan for that when that comes. So your thought... Your... Just to reiterate, I'll probably phrase back to you. Your thoughts on retirement at the moment is 70 because you're not sure what you would do, and you're gonna have to think about it. Beautiful. That is absolutely fine. We can... I can work with that, and we will go from there. And we'll just continue that discussion. Lovely. I'm gonna look into that beneficiary nomination for you about the form. And then what I'm going to do is if we need an updated one, I'm gonna send you a new one. If that's the case, do you have access to a printer, or would you like me to post it? Okay. So I can print that and send it to you. Would you like me to prefill it for you? Okay. So I've got Evangeline's details. Erica's, is it e r I c a? E r I k a? And and surname? Yep. Okay. And date of birth for Erica? I can... What I'll do is I'll leave that bit blank because we can't have the wrong date in there. So I'll leave that bit blank for you to send... For you to complete. Alright. Lovely. Alright. I... Do you have access to your emails at the moment? You're gonna get an email from me. It will come through as Odoo sign or Jenna. And when you receive that, there's a... When you open it, there's a box that says click here to sign or sign here. What I will ask you to do... It is, but you're not signing anything at the moment. No. I'm just gonna talk you through our review pack. And at the end, if you're happy with the fees and what needs signing, then then you'll sign it. But you're not signing anything at the moment. Okay. So you just let me know when you got those documents open. Have you got those open? Yep. Yep. Hello? Yeah. You there? Yeah. And you got those documents? Fantastic. So the first document you should see is a summary of your super and insurance. So all this is is a is a brief outline of what we're gonna run through through the the form... The review. Sorry. So your superannuation is currently with Netwealth with a balance of approximately $201,213. And your... You have the life and TPD insurance, which we spoke about before, being insured at a $176,956, and that's costing you $3,583 per annum, which gets deducted from your superannuation fund. Okay. With the income protection side of things, which is what we're talking about earlier, you can ensure up to 70% of your taxable income. So for me to be able to look at that and make some recommendations, probably need a few payslips to have a look at to try and average out an income as well as maybe last financial year's tax return. That will help me make sure that you're not over insured or under insured. Because if you do claim, you can only claim up to 70% of your taxable income. So that helps me make sure that you're insured for the right amount. And then with income protection, there's two elements. There's what we call a waiting period, which is similar to... If you think of it like an excess, it's the number of days you need to wait until you're eligible to be paid. So they vary from thirty days to sixty days to ninety days and so on. And and then there's what we call a benefit period. So depending on the severity of your injury or illness, it's the maximum amount of time you can be paid per injury or illness, and they vary from two years to five years to age 65. So based on that, a waiting period, are you thinking of... What sort of waiting period would you need? Yeah. So it's basically... In thinking of that, how... Do you have any savings, redraw, or anything like that that you can rely on for at least thirty days or sixty or ninety days to supplement your income until you're able to lodge a claim and be paid. Sixty days. And then a benefit period is the maximum amount of time you can be paid. So that's two years or five years or to age 65, noting that an income protection policy is gonna cancel out about age 65 or 70 depending on the insurer. Yep. Okay. So the... So with income protection, you can pay for it through your superannuation fund or your personal cash flow. Your personal cash flow means it will be tax deductible to you. I am gonna warn you, the premiums are gonna be decent based on your age and occupation. So I'm... Yes. But it's still worth probably having a look to see... So you're... You can make an informed decision. Yes. Okay. And then there's a different type of insurance called trauma insurance. So it covers you for a lump sum should you be diagnosed with a critical illness, and that can range from cancer, stroke, heart attack to a neurological disease. And that that premium is paid for out of your personal cash flow. Is that something you wanna look at as well? Yep. I can certainly do that. If you were to be... Suffer one of those events, would you would you need funds available to help cover medical expenses, or would it be more just to cover a period of time for you to get back on your feet and get back to work? Because... Yeah. Yep. Okay. Fantastic. I can work some figures on that. Lovely. The next document is your performance report. Yep. So what that is is it's the overall performance for the last twelve months with Netwealth. So earlier in the year, you received the document to move out of the Benelong Australian equities fund due to underperformance and replace that with the BetaShares Australian 200 ETF. So we got that done. It still has... It still had an impact on your overall portfolio for the twelve months because Bennelong was in there for more than the six month period. So your overall net performance, so less costs, etcetera, was negative 0.49%. So you had a negative year. What I've gone and done is I've... Now that Bennelong has been out of it, I've done a six month return since Bennelong has been removed, and your your return for the last six months is now sitting at 12.41%. So... Sorry? Yeah. That's a 100% right. But the the benefit of replace... Replacing that Bennelong fund has played out the way that we wanted it and intended it to. So it is... The portfolio is performing much, much better now. With relation to your other investments within the portfolio, there's no flags there that we see that need any further investigation. The portfolio is performing well, running as we would expect it to. So for the time being, I find I'm I'm quite happy with the way your portfolio is structured. Beautiful. The next document is a Vanguard index chart. What that is is a nice little educational piece that I like to talk about in line with your risk profile. So your risk profile is what you're currently invested as. So you'll see down the right hand side of the page, you've got US shares, estranged shares, international shares, and property. And all the squiggly lines that go along with that that show the market volatility of how those sectors behave. Below that, you've got... And those those are called your growth assets. Below that, you've got a strain bonds and cash, and they're your defensive assets. So over the long term, we see a little bit of growth, but they they predominantly produce income. And they're the the less aggressive part of your portfolio. So the way you're invested now is as a high growth investor, and how that is invested is we see about 90% of your superannuation allocated to the top four investments up there, those very volatile ones, and 10 percent, yep, and 10% to your defensive. Now that's why I asked the question about retirement earlier. With with retirement approaching, if you're realistically looking at the age of 70, you do have time on your hands to maintain this high gross allocation Because we we do... Yeah? Did you want me to explain any further or you're just happy to do that? High growth. Absolutely. Alright. No worries at all. The next document is your insurance certificate of currency. So that is just showing you that your life and TPD cover that we talked about earlier is in place and in it... Is in force. The following document is our financial services guide. So that document explains to you who we are, who we're licensed through... That we're licensed through ASIC. It explains our fees, the advice we provide, how we provide it, and the complaints process. The next document is your annual fee consent renewal. So based on... What what we do is that it's a it's a percent based fee. So being 1.1% of your balance up to 600,000, but rather than it being variable and percent based each month, it's now fixed at a dollar value. So it's calculated at 1.1%, but then we fix it for the next twelve months. So for the next twelve months, it'll be at $184.45 per month, which equates to $2,213.40 a year. So that covers your new... Your reviews that, like, we're conducting now. It it covers the changes that we're gonna make, the additional insurance recommendations, anything that we need to... Well, not the insurance recommendation. Sorry. But if there was some investment options that I was gonna make a recommendation to tailor if you needed superannuation contribution advice. So say in six months' time, you decide that you wanna start making contributions again, give us a call. Your fee covers all that. So you're not just limited to your... In relation to your superannuation and retirement. Yeah. Yep. Beautiful. So that fee needs to be... That form needs to be signed. And then the last form is the tax file number form. So it's just acknowledging and you giving us authority, basically, to hold your tax file number on file. The reason why we have it is because when we set up your superannuation fund, we needed to supply it to ensure that you weren't getting taxed as a person that wasn't as an Australian resident. So that's why we have that. So by you signing that, you just acknowledge that we're holding that on file for you. Lovely. So with the insurances, did you want me to give you some indicative prices via email before we go looking at a full recommendation so you can have a look at yeah. And then we can go from there. Okay. And then after that... And with that, I'll send you through that estate planning brochure for you to have a look at. Do you have any questions for me, Steve? Oh, thank you. That's lovely. Yeah. That's good. That's good. I can't promise it's gonna increase every year. We we are gonna have badges like the one that we've just had a negative return, but as long as we're as long as we're still... We're we're hitting the mark and... That's right. That's right. And next time we speak, I'm gonna be a little bit more, at your next review, a little bit more, probing in relation to retirement planning, so be prepared. Alright. Well, I'll send you through an email possibly tomorrow. I'll send it all at once. It'll just take me a little bit to get those insurance figures together. So probably tomorrow, I'll send that through for you to have a review, and then you can let me know what you wanna do with the insurances. And I'll also make sure that that beneficiary nomination sent through also. Yeah. You'd need to... Yeah. You do need to sign those last two forms. So the fee form and the the tax file number form. So you should be able to do that while you're in the document, and then I think you hit submit or send or something like that, and that will come through to me anyway. Lovely. Alright. Well, I look forward to talking to you soon, and I'll get that information off to you ASAP. You're absolutely welcome. Enjoy your afternoon. 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Steve. This is Jenna phoning from Oakview Financial. How are you today? That's good. Just before I go any further, I do need to let you know that our calls are recorded for quality and coaching purposes.\n\nIs that okay? Lovely. And can I please ask you to confirm your full name, date of birth, and address, please? Thank you so much for confirming that. I appreciate it.\n\nWould you like me to add a password to your file so you don't have to do the three points each time, or would you prefer to do the three points? Okay. What would you like to... Your password to be? Yes.\n\nAnd did you wanna... Yep. Yes. Yes. Yep.\n\nYep. 350. Did you want me to put a prompt there and get a prompt for you to... A reminder in case you forget it? Okay.\n\nFantastic. Okay. Fantastic. Alright. I've updated that for you.\n\nThe purpose of my call today is we've got out in your review scheduled. Do you have time to still complete that now? Wonderful. Before we get into the nuts and bolts of it, I'd probably... I'd like to just start by asking, has anything significantly changed for you personally or financially in the last twelve months that yeah?\n\nOkay. Okay. Yes. Okay. Okay.\n\nOkay. So with that and the casual work, is it can... Is it the one employer that you're doing casual work for, or is it a few? Okay. And what's their name?\n\nOkay. And is it part time... Oh, no. You said it's casual. How many hours do you do roughly per week?\n\nOkay. Yep. Okay. Varies depending on roster. That's absolutely fine.\n\nSo still still a shift? Yeah. And is it still the FIFO work... Is it still on the rigs, or is it mining or oil and gas? Yeah.\n\nOkay. And I'm just making some notes to update all this. Okay. And what do you estimate your income to be annually at the moment? I know that's a bit hard to...\n\nGiven it's casual. Okay. Yep. Is that plus super? Okay.\n\nShould we average it out anywhere between 80 to a 110 or just, like... Yeah? Okay. I'll do that in a little bit. And savings wise, we had...\n\nYou weren't doing any savings last time, and your expenses, we didn't have a figure. Do you have any idea... Have any of those changed? Or... Mhmm.\n\nYep. Yes. Doesn't miss you. No. Okay.\n\nSo are you are you able to do any savings per week at the moment that you're doing? No? Yeah. Yep. Yep.\n\nYeah. Of course. Yes. I understand. Okay.\n\nSo, well, then expenses wise, is is it still that basically everything coming in is just getting spent for expenses expenses? Yep. Okay. Do you make any additional contributions to super? Yep.\n\nYou still up there? Yep. Yep. Yeah. You can do it at any time you you want.\n\nIt's more probably to consider with your expenses whether it's affordable or not. So it's up to you when you start it. You don't have to be full time to add extra money to your super. It's more is it affordable? Yep.\n\nThat's absolutely fine. We can revisit that when the time comes. Yeah. Yep. So do you have an EBA with your...\n\nWith Evolve Talent? No? Alright. So you said you sold property. Was that the investment property that you sold?\n\nYeah. So you still have your principal residence? Yeah. How much do you think that's valued at? Yep.\n\nOkay. And what's the debt on that? Okay. Fantastic. And then with your other assets, we had a car noted here for 40,000 value with 14,000 debt.\n\nIs that still there? Okay. That's lovely because I know that was one of your goals to get that paid down, so that's fantastic. And we had some shares, oil and gas for 4,500. Do you still have those?\n\nYeah. Are they still valued around the same amount? Yep. Oh, okay. That's right.\n\nOkay. Beautiful. Alright. Just a couple of financial and lifestyle questions. Have you ever been declared bankrupt or had a debt agreement?\n\nNo. Are you a smoker? No. Do you have any significant health issues or injuries? No.\n\nDo you take any medication? Do you have private health? Yeah. Oh, who's that with? A h m.\n\nAnd... Okay. Do you know what your height and weight is? Yeah. Fantastic.\n\nAnd do you have any wills or powers of attorney in place? No. Okay. Lovely. That's the the bulk of my invasive question, so I apologize about that.\n\nThat's alright. What I'm gonna do is just circle back to the goals and objectives that we had on... We have on file for you to see if they're still current and update any new ones. So the one that we have is your main goal for the last twelve months was to focus on your health. You'd recently broken your leg at work, and they were covering 90% of your income.\n\nSo has oh, 80%. So has that all been finalized now? Yeah. Okay. No.\n\nIt doesn't seem to, does it, these days? No. Yes. Yeah. Yep.\n\nNo. That's that's good. Alright. With... We had one here as well that you wanted to focus as...\n\nFocus on saving as much as possible and pay down the car. So you're still working on paying down the car? Okay. Okay. Anything new that you can think of that is a new goal for...\n\nThat you wanna work towards? Yeah. I understand. Where would you like to go? Yes.\n\nOkay. Yep. Okay. Lovely. That's lovely.\n\nHolidays and travel are super important, I think, in my own personal opinion. With your insurances, you're currently insured for a small amount of life and PPD. Are you happy with those levels of cover? It's currently sitting at about 177,000. Do you think that would meet your your needs of having life and TPD insurance?\n\nYeah. Yeah. What about income protection? You don't have any income protection. And where that probably...\n\nYep. Yeah. Oh, did you? So it wasn't specifically underwritten, so to say. That's that's frustrating.\n\nIs that... Yeah. Because that that would have probably come in pretty handy when you had hurt yourself as well. Yeah. Okay.\n\nIs that something you wanna look at now? Yeah? Okay. So if we were to look at that, there's a number of different factors which I'll go through with you shortly about that to kinda get a gauge of what you're thinking to work towards that. With estate planning, are you planning on doing a will or power of attorney anytime soon?\n\nNo. Yep. Okay. The reason I ask is we do have a professional partner that we work work... Or works alongside us with our clients.\n\nIt is quite affordable compared to what I've seen in my years in the industry. I have a brochure. Would you like me to send the brochure to you for you to have a look? Yeah. Perfect.\n\nI can get that some post down meeting. And then from a beneficiary point of view for your life insurance and your super, we've got Evangeline. Did I say that right? Oh, great. I'd I'd I'd dread saying it the wrong way.\n\nNominated as your beneficiary. Is that still current? Lovely. Okay. With your...\n\nYeah. No. You've only got Evangeline down as a 100%. Yeah. Okay.\n\nLet let me have a look. Okay. Let me look into that. Can I ask a question? How old is Erica?\n\nThat's fine. The reason why I asked that is when we have adult children, so children over the age of 18, any superannuation or insurance benefits paid to a child over the age of 18 under super law is considered a nonfinancial dependent and they're taxed. So that's why... So Erica would not be taxed, but that's why I'd asked that question as to how old she is. Okay.\n\nLet me double check. Yeah. There's a way... What would happen then is we would look at having Evangeline nominated because she's your spouse, partner, de facto. She would receive the funds tax free because she's considered a financial dependent.\n\nSo... And then alternative to that is we can direct it through your will, which will still pay tax, but it's a little bit less than to an adult child. So we can just... We'll just keep revisiting that, especially as Erica reaches age 18. Okay.\n\nNow I have a question for you. You are 57 years old. What are you thinking about retirement? Yeah. Why is that?\n\nYeah. Okay. Yeah. That's that's a very common common question and something that's brought up. And across my time, it's it's something that's very consistent.\n\nWhat I always tend to say is there's a financial preparation side and then there's a mental preparation side. It comes... There's two parts. Yeah. So the mental preparation side is kind of gearing up, finding hobbies, finding the things you like to do.\n\nMaybe it's a slow transition to retirement where you reduce work for a period of time rather than a full a full blanket stop. Exactly. So what I'm going to flag with you is to have a think about what retirement looks like for you. You don't have to answer me today. This is something that we will continue to discuss at our ongoing reviews, but it is it is something that we've, you know, being 57, you're actually legally able to access your super in about three years.\n\nSo we will... We're gonna start having those discussions a little bit in a little bit more detail. Yes. So with that, we can help plan for that when that comes. So your thought...\n\nYour... Just to reiterate, I'll probably phrase back to you. Your thoughts on retirement at the moment is 70 because you're not sure what you would do, and you're gonna have to think about it. Beautiful. That is absolutely fine.\n\nWe can... I can work with that, and we will go from there. And we'll just continue that discussion. Lovely. I'm gonna look into that beneficiary nomination for you about the form.\n\nAnd then what I'm going to do is if we need an updated one, I'm gonna send you a new one. If that's the case, do you have access to a printer, or would you like me to post it? Okay. So I can print that and send it to you. Would you like me to prefill it for you?\n\nOkay. So I've got Evangeline's details. Erica's, is it e r I c a? E r I k a? And and surname?\n\nYep. Okay. And date of birth for Erica? I can... What I'll do is I'll leave that bit blank because we can't have the wrong date in there.\n\nSo I'll leave that bit blank for you to send... For you to complete. Alright. Lovely. Alright.\n\nI... Do you have access to your emails at the moment? You're gonna get an email from me. It will come through as Odoo sign or Jenna. And when you receive that, there's a...\n\nWhen you open it, there's a box that says click here to sign or sign here. What I will ask you to do... It is, but you're not signing anything at the moment. No. I'm just gonna talk you through our review pack.\n\nAnd at the end, if you're happy with the fees and what needs signing, then then you'll sign it. But you're not signing anything at the moment. Okay. So you just let me know when you got those documents open. Have you got those open?\n\nYep. Yep. Hello? Yeah. You there?\n\nYeah. And you got those documents? Fantastic. So the first document you should see is a summary of your super and insurance. So all this is is a is a brief outline of what we're gonna run through through the the form...\n\nThe review. Sorry. So your superannuation is currently with Netwealth with a balance of approximately $201,213. And your... You have the life and TPD insurance, which we spoke about before, being insured at a $176,956, and that's costing you $3,583 per annum, which gets deducted from your superannuation fund.\n\nOkay. With the income protection side of things, which is what we're talking about earlier, you can ensure up to 70% of your taxable income. So for me to be able to look at that and make some recommendations, probably need a few payslips to have a look at to try and average out an income as well as maybe last financial year's tax return. That will help me make sure that you're not over insured or under insured. Because if you do claim, you can only claim up to 70% of your taxable income.\n\nSo that helps me make sure that you're insured for the right amount. And then with income protection, there's two elements. There's what we call a waiting period, which is similar to... If you think of it like an excess, it's the number of days you need to wait until you're eligible to be paid. So they vary from thirty days to sixty days to ninety days and so on.\n\nAnd and then there's what we call a benefit period. So depending on the severity of your injury or illness, it's the maximum amount of time you can be paid per injury or illness, and they vary from two years to five years to age 65. So based on that, a waiting period, are you thinking of... What sort of waiting period would you need? Yeah.\n\nSo it's basically... In thinking of that, how... Do you have any savings, redraw, or anything like that that you can rely on for at least thirty days or sixty or ninety days to supplement your income until you're able to lodge a claim and be paid. Sixty days. And then a benefit period is the maximum amount of time you can be paid.\n\nSo that's two years or five years or to age 65, noting that an income protection policy is gonna cancel out about age 65 or 70 depending on the insurer. Yep. Okay. So the... So with income protection, you can pay for it through your superannuation fund or your personal cash flow.\n\nYour personal cash flow means it will be tax deductible to you. I am gonna warn you, the premiums are gonna be decent based on your age and occupation. So I'm... Yes. But it's still worth probably having a look to see...\n\nSo you're... You can make an informed decision. Yes. Okay. And then there's a different type of insurance called trauma insurance.\n\nSo it covers you for a lump sum should you be diagnosed with a critical illness, and that can range from cancer, stroke, heart attack to a neurological disease. And that that premium is paid for out of your personal cash flow. Is that something you wanna look at as well? Yep. I can certainly do that.\n\nIf you were to be... Suffer one of those events, would you would you need funds available to help cover medical expenses, or would it be more just to cover a period of time for you to get back on your feet and get back to work? Because... Yeah. Yep.\n\nOkay. Fantastic. I can work some figures on that. Lovely. The next document is your performance report.\n\nYep. So what that is is it's the overall performance for the last twelve months with Netwealth. So earlier in the year, you received the document to move out of the Benelong Australian equities fund due to underperformance and replace that with the BetaShares Australian 200 ETF. So we got that done. It still has...\n\nIt still had an impact on your overall portfolio for the twelve months because Bennelong was in there for more than the six month period. So your overall net performance, so less costs, etcetera, was negative 0.49%. So you had a negative year. What I've gone and done is I've... Now that Bennelong has been out of it, I've done a six month return since Bennelong has been removed, and your your return for the last six months is now sitting at 12.41%.\n\nSo... Sorry? Yeah. That's a 100% right. But the the benefit of replace...\n\nReplacing that Bennelong fund has played out the way that we wanted it and intended it to. So it is... The portfolio is performing much, much better now. With relation to your other investments within the portfolio, there's no flags there that we see that need any further investigation. The portfolio is performing well, running as we would expect it to.\n\nSo for the time being, I find I'm I'm quite happy with the way your portfolio is structured. Beautiful. The next document is a Vanguard index chart. What that is is a nice little educational piece that I like to talk about in line with your risk profile. So your risk profile is what you're currently invested as.\n\nSo you'll see down the right hand side of the page, you've got US shares, estranged shares, international shares, and property. And all the squiggly lines that go along with that that show the market volatility of how those sectors behave. Below that, you've got... And those those are called your growth assets. Below that, you've got a strain bonds and cash, and they're your defensive assets.\n\nSo over the long term, we see a little bit of growth, but they they predominantly produce income. And they're the the less aggressive part of your portfolio. So the way you're invested now is as a high growth investor, and how that is invested is we see about 90% of your superannuation allocated to the top four investments up there, those very volatile ones, and 10 percent, yep, and 10% to your defensive. Now that's why I asked the question about retirement earlier. With with retirement approaching, if you're realistically looking at the age of 70, you do have time on your hands to maintain this high gross allocation Because we we do...\n\nYeah? Did you want me to explain any further or you're just happy to do that? High growth. Absolutely. Alright.\n\nNo worries at all. The next document is your insurance certificate of currency. So that is just showing you that your life and TPD cover that we talked about earlier is in place and in it... Is in force. The following document is our financial services guide.\n\nSo that document explains to you who we are, who we're licensed through... That we're licensed through ASIC. It explains our fees, the advice we provide, how we provide it, and the complaints process. The next document is your annual fee consent renewal. So based on...\n\nWhat what we do is that it's a it's a percent based fee. So being 1.1% of your balance up to 600,000, but rather than it being variable and percent based each month, it's now fixed at a dollar value. So it's calculated at 1.1%, but then we fix it for the next twelve months. So for the next twelve months, it'll be at $184.45 per month, which equates to $2,213.40 a year. So that covers your new...\n\nYour reviews that, like, we're conducting now. It it covers the changes that we're gonna make, the additional insurance recommendations, anything that we need to... Well, not the insurance recommendation. Sorry. But if there was some investment options that I was gonna make a recommendation to tailor if you needed superannuation contribution advice.\n\nSo say in six months' time, you decide that you wanna start making contributions again, give us a call. Your fee covers all that. So you're not just limited to your... In relation to your superannuation and retirement. Yeah.\n\nYep. Beautiful. So that fee needs to be... That form needs to be signed. And then the last form is the tax file number form.\n\nSo it's just acknowledging and you giving us authority, basically, to hold your tax file number on file. The reason why we have it is because when we set up your superannuation fund, we needed to supply it to ensure that you weren't getting taxed as a person that wasn't as an Australian resident. So that's why we have that. So by you signing that, you just acknowledge that we're holding that on file for you. Lovely.\n\nSo with the insurances, did you want me to give you some indicative prices via email before we go looking at a full recommendation so you can have a look at yeah. And then we can go from there. Okay. And then after that... And with that, I'll send you through that estate planning brochure for you to have a look at.\n\nDo you have any questions for me, Steve? Oh, thank you. That's lovely. Yeah. That's good.\n\nThat's good. I can't promise it's gonna increase every year. We we are gonna have badges like the one that we've just had a negative return, but as long as we're as long as we're still... We're we're hitting the mark and... That's right.\n\nThat's right. And next time we speak, I'm gonna be a little bit more, at your next review, a little bit more, probing in relation to retirement planning, so be prepared. Alright. Well, I'll send you through an email possibly tomorrow. I'll send it all at once.\n\nIt'll just take me a little bit to get those insurance figures together. So probably tomorrow, I'll send that through for you to have a review, and then you can let me know what you wanna do with the insurances. And I'll also make sure that that beneficiary nomination sent through also. Yeah. You'd need to...\n\nYeah. You do need to sign those last two forms. So the fee form and the the tax file number form. So you should be able to do that while you're in the document, and then I think you hit submit or send or something like that, and that will come through to me anyway. Lovely.\n\nAlright. Well, I look forward to talking to you soon, and I'll get that information off to you ASAP. You're absolutely welcome. Enjoy your afternoon. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Steve.","start":2.8799999,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.18394315987825394},{"text":"This is Jenna phoning from Oakview Financial.","start":3.6799998,"end":6.64,"sentiment":"neutral","sentiment_score":0.1807153501680919},{"text":"How are you today?","start":6.64,"end":7.62,"sentiment":"neutral","sentiment_score":0.2489852011203766},{"text":"That's good.","start":9.92,"end":10.639999,"sentiment":"positive","sentiment_score":0.674618124961853},{"text":"Just before I go any further, I do need to let you know that our calls are recorded for quality and coaching purposes.","start":10.639999,"end":16.455,"sentiment":"neutral","sentiment_score":0.05299669625642507}],"sentiment":"neutral","sentiment_score":0.13676302208516158,"num_words":38,"start":2.8799999,"end":16.455},{"sentences":[{"text":"Is that okay?","start":16.455,"end":17.435,"sentiment":"neutral","sentiment_score":0.06725406895081203},{"text":"Lovely.","start":20.535,"end":21.035,"sentiment":"positive","sentiment_score":0.5633159875869751},{"text":"And can I please ask you to confirm your full name, date of birth, and address, please?","start":21.335,"end":25.915,"sentiment":"neutral","sentiment_score":0.08893744800897206},{"text":"Thank you so much for confirming that.","start":37.059998,"end":38.9,"sentiment":"positive","sentiment_score":0.6882381013461522},{"text":"I appreciate it.","start":38.9,"end":39.96,"sentiment":"positive","sentiment_score":0.7139756282170614}],"sentiment":"neutral","sentiment_score":0.2979551098279415,"num_words":31,"start":16.455,"end":39.96},{"sentences":[{"text":"Would you like me to add a password to your file so you don't have to do the three points each time, or would you prefer to do the three points?","start":41.22,"end":48.975,"sentiment":"neutral","sentiment_score":0.09635333512579242},{"text":"Okay.","start":52.555,"end":52.795,"sentiment":"neutral","sentiment_score":0.021138451993465424},{"text":"What would you like to...","start":52.795,"end":53.995,"sentiment":"neutral","sentiment_score":0.008976940996944904},{"text":"Your password to be?","start":53.995,"end":55.375,"sentiment":"neutral","sentiment_score":0.0024224958615377545},{"text":"Yes.","start":62.280003,"end":62.780003,"sentiment":"neutral","sentiment_score":0.027084074914455417}],"sentiment":"neutral","sentiment_score":0.07356549057710383,"num_words":42,"start":41.22,"end":62.780003},{"sentences":[{"text":"And did you wanna...","start":62.84,"end":64.380005,"sentiment":"neutral","sentiment_score":0.01200689934194088},{"text":"Yep.","start":64.68,"end":65.18,"sentiment":"neutral","sentiment_score":0.012010755017399788},{"text":"Yes.","start":67.24,"end":67.74,"sentiment":"neutral","sentiment_score":0.015102768316864967},{"text":"Yes.","start":71.16,"end":71.66,"sentiment":"neutral","sentiment_score":0.015419906005263329},{"text":"Yep.","start":74.6,"end":74.925,"sentiment":"neutral","sentiment_score":0.012221066281199455}],"sentiment":"neutral","sentiment_score":0.012847761623561382,"num_words":8,"start":62.84,"end":74.925},{"sentences":[{"text":"Yep.","start":75.885,"end":76.385,"sentiment":"neutral","sentiment_score":0.010257674381136894},{"text":"350.","start":77.565,"end":78.785,"sentiment":"neutral","sentiment_score":0.007374605163931847},{"text":"Did you want me to put a prompt there and get a prompt for you to...","start":79.325005,"end":83.345,"sentiment":"neutral","sentiment_score":0.01074985379818827},{"text":"A reminder in case you forget it?","start":83.645004,"end":85.58501,"sentiment":"neutral","sentiment_score":-0.016289087145456245},{"text":"Okay.","start":89.64,"end":90.14,"sentiment":"neutral","sentiment_score":0.07002869248390198}],"sentiment":"neutral","sentiment_score":0.005601347030068819,"num_words":26,"start":75.885,"end":90.14},{"sentences":[{"text":"Fantastic.","start":90.28,"end":90.78,"sentiment":"positive","sentiment_score":0.38255825638771057},{"text":"Okay.","start":93.4,"end":93.9,"sentiment":"neutral","sentiment_score":0.24714022874832153},{"text":"Fantastic.","start":94.44,"end":94.94,"sentiment":"positive","sentiment_score":0.4006626009941101},{"text":"Alright.","start":95.72,"end":96.2,"sentiment":"neutral","sentiment_score":0.23040936887264252},{"text":"I've updated that for you.","start":96.2,"end":98.06,"sentiment":"neutral","sentiment_score":0.28035364151000974}],"sentiment":"neutral","sentiment_score":0.2958376291725371,"num_words":9,"start":90.28,"end":98.06},{"sentences":[{"text":"The purpose of my call today is we've got out in your review scheduled.","start":99.08,"end":103.26,"sentiment":"neutral","sentiment_score":0.17088984112654412},{"text":"Do you have time to still complete that now?","start":103.4,"end":106.80501,"sentiment":"neutral","sentiment_score":0.1051592661274804},{"text":"Wonderful.","start":107.745,"end":108.245,"sentiment":"positive","sentiment_score":0.38465291261672974},{"text":"Before we get into the nuts and bolts of it, I'd probably...","start":109.025,"end":112.625,"sentiment":"neutral","sentiment_score":0.026480117191871006},{"text":"I'd like to just start by asking, has anything significantly changed for you personally or financially in the last twelve months that yeah?","start":112.625,"end":123.4,"sentiment":"neutral","sentiment_score":-0.04538880738065294}],"sentiment":"neutral","sentiment_score":0.05080276135734077,"num_words":59,"start":99.08,"end":123.4},{"sentences":[{"text":"Okay.","start":123.4,"end":123.9,"sentiment":"neutral","sentiment_score":-0.06861869245767593},{"text":"Okay.","start":127.88,"end":128.38,"sentiment":"neutral","sentiment_score":-0.07786089926958084},{"text":"Yes.","start":133.56,"end":133.96,"sentiment":"neutral","sentiment_score":-0.001773342490196228},{"text":"Okay.","start":133.96,"end":134.46,"sentiment":"neutral","sentiment_score":-0.003751451149582863},{"text":"Okay.","start":141.615,"end":141.77501,"sentiment":"neutral","sentiment_score":0.012903602793812752}],"sentiment":"neutral","sentiment_score":-0.027820156514644624,"num_words":5,"start":123.4,"end":141.77501},{"sentences":[{"text":"Okay.","start":141.77501,"end":142.27501,"sentiment":"neutral","sentiment_score":-0.043399643152952194},{"text":"So with that and the casual work, is it can...","start":143.455,"end":147.63501,"sentiment":"neutral","sentiment_score":0.02279156418517232},{"text":"Is it the one employer that you're doing casual work for, or is it a few?","start":147.695,"end":152.33,"sentiment":"neutral","sentiment_score":-0.013574527576565742},{"text":"Okay.","start":156.07,"end":156.39,"sentiment":"neutral","sentiment_score":0.05067086219787598},{"text":"And what's their name?","start":156.39,"end":157.61,"sentiment":"neutral","sentiment_score":0.03849625028669834}],"sentiment":"neutral","sentiment_score":0.0053743569005746394,"num_words":32,"start":141.77501,"end":157.61},{"sentences":[{"text":"Okay.","start":161.75,"end":162.25,"sentiment":"neutral","sentiment_score":0.03451170027256012},{"text":"And is it part time...","start":163.11,"end":165.185,"sentiment":"neutral","sentiment_score":0.01879859697073698},{"text":"Oh, no.","start":165.185,"end":165.50499,"sentiment":"neutral","sentiment_score":-0.03446049988269806},{"text":"You said it's casual.","start":165.50499,"end":166.485,"sentiment":"neutral","sentiment_score":-0.02809660858474672},{"text":"How many hours do you do roughly per week?","start":166.545,"end":169.045,"sentiment":"neutral","sentiment_score":-0.0023174450422326722}],"sentiment":"neutral","sentiment_score":-0.003507607350392001,"num_words":21,"start":161.75,"end":169.045},{"sentences":[{"text":"Okay.","start":177.105,"end":177.605,"sentiment":"neutral","sentiment_score":0.05167427659034729},{"text":"Yep.","start":178.94,"end":179.44,"sentiment":"neutral","sentiment_score":0.08356991410255432},{"text":"Okay.","start":193.1,"end":193.6,"sentiment":"neutral","sentiment_score":0.033437617123126984},{"text":"Varies depending on roster.","start":193.66,"end":196.77501,"sentiment":"neutral","sentiment_score":0.0349317928776145},{"text":"That's absolutely 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gas?","start":210.44,"end":214.62001,"sentiment":"neutral","sentiment_score":-0.028200733475387096},{"text":"Yeah.","start":217.32,"end":217.8,"sentiment":"neutral","sentiment_score":0.029596813023090363}],"sentiment":"neutral","sentiment_score":0.023637339306463088,"num_words":28,"start":201.235,"end":217.8},{"sentences":[{"text":"Okay.","start":217.8,"end":218.3,"sentiment":"neutral","sentiment_score":0.07030270248651505},{"text":"And I'm just making some notes to update all this.","start":219.88,"end":226.965,"sentiment":"neutral","sentiment_score":0.07890490852296353},{"text":"Okay.","start":228.865,"end":229.345,"sentiment":"neutral","sentiment_score":0.020723214372992516},{"text":"And what do you estimate your income to be annually at the moment?","start":229.345,"end":233.185,"sentiment":"neutral","sentiment_score":-0.014361031066912871},{"text":"I know that's a bit hard to...","start":233.185,"end":235.685,"sentiment":"neutral","sentiment_score":-0.14736450357096537}],"sentiment":"neutral","sentiment_score":-0.010567810211796315,"num_words":32,"start":217.8,"end":235.685},{"sentences":[{"text":"Given it's casual.","start":235.745,"end":236.885,"sentiment":"neutral","sentiment_score":-0.04973790918787321},{"text":"Okay.","start":247.68,"end":248.18,"sentiment":"neutral","sentiment_score":0.02338314615190029},{"text":"Yep.","start":250.0,"end":250.5,"sentiment":"neutral","sentiment_score":0.11897005140781404},{"text":"Is that plus super?","start":251.74501,"end":253.045,"sentiment":"neutral","sentiment_score":0.13096075132489204},{"text":"Okay.","start":258.225,"end":258.725,"sentiment":"neutral","sentiment_score":0.06636038422584534}],"sentiment":"neutral","sentiment_score":0.05833428595215082,"num_words":10,"start":235.745,"end":258.725},{"sentences":[{"text":"Should we average it out anywhere between 80 to a 110 or just, like...","start":259.265,"end":265.265,"sentiment":"neutral","sentiment_score":0.04914634767919779},{"text":"Yeah?","start":265.265,"end":265.765,"sentiment":"neutral","sentiment_score":0.01647336035966873},{"text":"Okay.","start":265.825,"end":266.325,"sentiment":"neutral","sentiment_score":0.021475855261087418},{"text":"I'll do that in a little bit.","start":266.49,"end":268.34998,"sentiment":"neutral","sentiment_score":0.01582737107362066},{"text":"And savings wise, we had...","start":270.41,"end":273.71,"sentiment":"neutral","sentiment_score":-0.009238060563802719}],"sentiment":"neutral","sentiment_score":0.02823569206520915,"num_words":28,"start":259.265,"end":273.71},{"sentences":[{"text":"You weren't doing any savings last time, and your expenses, we didn't have a figure.","start":275.61,"end":279.77,"sentiment":"neutral","sentiment_score":-0.1399397999048233},{"text":"Do you have any 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you.","start":296.87,"end":297.93,"sentiment":"neutral","sentiment_score":-0.08700430206954479},{"text":"No.","start":299.11,"end":299.61,"sentiment":"neutral","sentiment_score":-0.14065390825271606},{"text":"Okay.","start":300.87,"end":301.27,"sentiment":"neutral","sentiment_score":0.01737428829073906}],"sentiment":"neutral","sentiment_score":-0.0497803238353559,"num_words":7,"start":289.805,"end":301.27},{"sentences":[{"text":"So are you are you able to do any savings per week at the moment that you're 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right.","start":515.885,"end":516.78503,"sentiment":"neutral","sentiment_score":0.015184712130576372}],"sentiment":"neutral","sentiment_score":-0.008911658278001207,"num_words":14,"start":499.18,"end":516.78503},{"sentences":[{"text":"Okay.","start":516.925,"end":517.425,"sentiment":"neutral","sentiment_score":0.14158442616462708},{"text":"Beautiful.","start":517.485,"end":517.985,"sentiment":"positive","sentiment_score":0.35491353273391724},{"text":"Alright.","start":519.885,"end":520.385,"sentiment":"neutral","sentiment_score":0.10838707536458968},{"text":"Just a couple of financial and lifestyle questions.","start":520.83,"end":526.85004,"sentiment":"neutral","sentiment_score":0.021734161768108606},{"text":"Have you ever been declared bankrupt or had a debt 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is?","start":560.935,"end":562.875,"sentiment":"neutral","sentiment_score":-0.014395302472015222},{"text":"Yeah.","start":566.695,"end":567.195,"sentiment":"neutral","sentiment_score":-0.0007072137668728828},{"text":"Fantastic.","start":569.255,"end":569.755,"sentiment":"neutral","sentiment_score":0.27015215158462524}],"sentiment":"neutral","sentiment_score":0.009081916955228034,"num_words":13,"start":558.28,"end":569.755},{"sentences":[{"text":"And do you have any wills or powers of attorney in place?","start":571.17505,"end":575.34,"sentiment":"neutral","sentiment_score":0.04698038101196289},{"text":"No.","start":578.22003,"end":578.54004,"sentiment":"neutral","sentiment_score":-0.1323092132806778},{"text":"Okay.","start":578.54004,"end":579.04004,"sentiment":"neutral","sentiment_score":-0.058175936341285706},{"text":"Lovely.","start":579.18005,"end":579.68005,"sentiment":"neutral","sentiment_score":0.00257115438580513},{"text":"That's the the bulk of my invasive question, so I 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soon?","start":818.715,"end":825.85504,"sentiment":"neutral","sentiment_score":0.005503267806489021}],"sentiment":"neutral","sentiment_score":0.00707483287119577,"num_words":62,"start":790.005,"end":825.85504},{"sentences":[{"text":"No.","start":836.69,"end":837.19,"sentiment":"neutral","sentiment_score":-0.1250304877758026},{"text":"Yep.","start":837.81,"end":838.31,"sentiment":"neutral","sentiment_score":-0.0836644172668457},{"text":"Okay.","start":841.33,"end":841.83,"sentiment":"neutral","sentiment_score":0.01201784797012806},{"text":"The reason I ask is we do have a professional partner that we work work...","start":842.72504,"end":848.66504,"sentiment":"neutral","sentiment_score":0.07309494068225225},{"text":"Or works alongside us with our clients.","start":848.805,"end":851.145,"sentiment":"neutral","sentiment_score":0.12759013686861312}],"sentiment":"neutral","sentiment_score":0.0717151204496622,"num_words":25,"start":836.69,"end":851.145},{"sentences":[{"text":"It is quite affordable compared to what I've seen in my years in the industry.","start":852.965,"end":857.945,"sentiment":"neutral","sentiment_score":0.20052304863929749},{"text":"I have a brochure.","start":858.48,"end":859.38,"sentiment":"neutral","sentiment_score":0.06962249241769314},{"text":"Would you like me to send the brochure to you for you to have a look?","start":859.44,"end":863.3,"sentiment":"neutral","sentiment_score":0.03606741537805647},{"text":"Yeah.","start":865.04,"end":865.54,"sentiment":"neutral","sentiment_score":0.331379771232605},{"text":"Perfect.","start":865.76,"end":866.26,"sentiment":"positive","sentiment_score":0.49098020792007446}],"sentiment":"neutral","sentiment_score":0.12664254930977886,"num_words":37,"start":852.965,"end":866.26},{"sentences":[{"text":"I can get that some post down meeting.","start":866.39996,"end":868.74,"sentiment":"neutral","sentiment_score":0.31489866599440575},{"text":"And then from a beneficiary point of view for your life insurance and your super, we've got Evangeline.","start":870.995,"end":878.13495,"sentiment":"neutral","sentiment_score":0.22031017558442223},{"text":"Did I say that right?","start":878.355,"end":879.65497,"sentiment":"neutral","sentiment_score":0.10875139236450196},{"text":"Oh, great.","start":881.63495,"end":882.45496,"sentiment":"neutral","sentiment_score":0.09374219179153442},{"text":"I'd I'd I'd dread saying it the wrong way.","start":882.51495,"end":885.415,"sentiment":"negative","sentiment_score":-0.35677769780158997}],"sentiment":"neutral","sentiment_score":0.09535748937300273,"num_words":42,"start":866.39996,"end":885.415},{"sentences":[{"text":"Nominated as your beneficiary.","start":888.38,"end":889.76,"sentiment":"neutral","sentiment_score":0.15356431156396866},{"text":"Is that still current?","start":889.9,"end":891.2,"sentiment":"neutral","sentiment_score":0.10149657726287842},{"text":"Lovely.","start":893.5,"end":894.0,"sentiment":"positive","sentiment_score":0.5364507436752319},{"text":"Okay.","start":895.26,"end":895.76,"sentiment":"neutral","sentiment_score":0.2123260498046875},{"text":"With your...","start":896.77997,"end":898.24,"sentiment":"neutral","sentiment_score":0.08718334138393402}],"sentiment":"neutral","sentiment_score":0.16194891929626465,"num_words":12,"start":888.38,"end":898.24},{"sentences":[{"text":"Yeah.","start":899.26,"end":899.76,"sentiment":"neutral","sentiment_score":0.009930805303156376},{"text":"No.","start":904.47504,"end":904.715,"sentiment":"neutral","sentiment_score":-0.20629644393920896},{"text":"You've only got Evangeline down as a 100%.","start":904.715,"end":908.015,"sentiment":"neutral","sentiment_score":-0.11383337853476405},{"text":"Yeah.","start":910.23505,"end":910.73505,"sentiment":"neutral","sentiment_score":0.03395112603902817},{"text":"Okay.","start":918.76,"end":919.26,"sentiment":"neutral","sentiment_score":-0.011593152768909931}],"sentiment":"neutral","sentiment_score":-0.09038955780367057,"num_words":12,"start":899.26,"end":919.26},{"sentences":[{"text":"Let let me have a look.","start":921.4,"end":923.18005,"sentiment":"neutral","sentiment_score":-0.027776954385141533},{"text":"Okay.","start":927.08496,"end":927.40497,"sentiment":"neutral","sentiment_score":-0.019177302718162537},{"text":"Let me look into that.","start":927.40497,"end":928.945,"sentiment":"neutral","sentiment_score":-0.015492575615644455},{"text":"Can I ask a question?","start":930.045,"end":931.425,"sentiment":"neutral","sentiment_score":-0.009438032098114491},{"text":"How old is Erica?","start":931.565,"end":932.865,"sentiment":"neutral","sentiment_score":-0.02358001284301281}],"sentiment":"neutral","sentiment_score":-0.019276767569993223,"num_words":21,"start":921.4,"end":932.865},{"sentences":[{"text":"That's fine.","start":938.605,"end":939.40497,"sentiment":"neutral","sentiment_score":0.09519054740667343},{"text":"The reason why I asked that is when we have adult children, so children over the age of 18, any superannuation or insurance benefits paid to a child over the age of 18 under super law is considered a nonfinancial dependent and they're taxed.","start":939.40497,"end":955.905,"sentiment":"neutral","sentiment_score":-0.08894697365097025},{"text":"So that's why...","start":956.465,"end":957.525,"sentiment":"neutral","sentiment_score":-0.06394626945257187},{"text":"So Erica would not be taxed, but that's why I'd asked that question as to how old she is.","start":957.825,"end":963.125,"sentiment":"neutral","sentiment_score":-0.1221929945443806},{"text":"Okay.","start":965.10504,"end":965.60504,"sentiment":"neutral","sentiment_score":0.09738153219223022}],"sentiment":"neutral","sentiment_score":-0.08897695533823276,"num_words":69,"start":938.605,"end":965.60504},{"sentences":[{"text":"Let me double check.","start":965.66504,"end":967.04504,"sentiment":"neutral","sentiment_score":-0.008184535428881645},{"text":"Yeah.","start":970.30505,"end":970.80505,"sentiment":"neutral","sentiment_score":0.002158001065254211},{"text":"There's a way...","start":971.63,"end":972.51,"sentiment":"neutral","sentiment_score":0.00022485704782108465},{"text":"What would happen then is we would look at having Evangeline nominated because she's your spouse, partner, de facto.","start":972.51,"end":981.09,"sentiment":"neutral","sentiment_score":0.0647816818795706},{"text":"She would receive the funds tax free because she's considered a financial dependent.","start":982.67,"end":987.22504,"sentiment":"neutral","sentiment_score":0.0546954211134177}],"sentiment":"neutral","sentiment_score":0.04779967151698657,"num_words":40,"start":965.66504,"end":987.22504},{"sentences":[{"text":"So...","start":987.92505,"end":988.42505,"sentiment":"neutral","sentiment_score":0.006260434165596962},{"text":"And then alternative to that is we can direct it through your will, which will still pay tax, but it's a little bit less than to an adult child.","start":989.28503,"end":998.4,"sentiment":"neutral","sentiment_score":-0.002684726411926335},{"text":"So we can just...","start":1000.80005,"end":1002.16003,"sentiment":"neutral","sentiment_score":0.07583876233547926},{"text":"We'll just keep revisiting that, especially as Erica reaches age 18.","start":1002.16003,"end":1006.5,"sentiment":"neutral","sentiment_score":0.044780862094326454},{"text":"Okay.","start":1008.96,"end":1009.46,"sentiment":"neutral","sentiment_score":0.03948588669300079}],"sentiment":"neutral","sentiment_score":0.016605082332440044,"num_words":46,"start":987.92505,"end":1009.46},{"sentences":[{"text":"Now I have a question for you.","start":1010.80005,"end":1013.14,"sentiment":"neutral","sentiment_score":0.004916476351874215},{"text":"You are 57 years old.","start":1013.745,"end":1016.405,"sentiment":"neutral","sentiment_score":-0.012602041475474834},{"text":"What are you thinking about retirement?","start":1018.78503,"end":1020.645,"sentiment":"neutral","sentiment_score":-0.01877857216944297},{"text":"Yeah.","start":1028.545,"end":1029.045,"sentiment":"neutral","sentiment_score":0.006791450083255768},{"text":"Why is that?","start":1030.59,"end":1031.5701,"sentiment":"neutral","sentiment_score":-0.04120624686280886}],"sentiment":"neutral","sentiment_score":-0.01173152711073106,"num_words":22,"start":1010.80005,"end":1031.5701},{"sentences":[{"text":"Yeah.","start":1041.55,"end":1041.87,"sentiment":"neutral","sentiment_score":-0.07679562270641327},{"text":"Okay.","start":1041.87,"end":1042.37,"sentiment":"neutral","sentiment_score":-0.05271519348025322},{"text":"Yeah.","start":1042.43,"end":1042.93,"sentiment":"neutral","sentiment_score":-0.05538591742515564},{"text":"That's that's a very common common question and something that's brought up.","start":1046.755,"end":1057.47,"sentiment":"neutral","sentiment_score":0.0034693596535362303},{"text":"And across my time, it's it's something that's very consistent.","start":1057.63,"end":1060.9299,"sentiment":"neutral","sentiment_score":0.03395257145166397}],"sentiment":"neutral","sentiment_score":0.007850451869890094,"num_words":25,"start":1041.55,"end":1060.9299},{"sentences":[{"text":"What I always tend to say is there's a financial preparation side and then there's a mental preparation side.","start":1063.39,"end":1071.4099,"sentiment":"neutral","sentiment_score":-0.0013789098972522066},{"text":"It comes...","start":1072.005,"end":1072.725,"sentiment":"neutral","sentiment_score":0.0018142173066735268},{"text":"There's two parts.","start":1072.725,"end":1073.865,"sentiment":"neutral","sentiment_score":-0.008369114870826403},{"text":"Yeah.","start":1074.725,"end":1075.225,"sentiment":"neutral","sentiment_score":0.05976899340748787},{"text":"So the mental preparation side is kind of gearing up, finding hobbies, finding the things you like to do.","start":1075.525,"end":1083.365,"sentiment":"neutral","sentiment_score":0.07441538337029908}],"sentiment":"neutral","sentiment_score":0.03240870634991469,"num_words":44,"start":1063.39,"end":1083.365},{"sentences":[{"text":"Maybe it's a slow transition to retirement where you reduce work for a period of time rather than a full a full blanket stop.","start":1083.365,"end":1093.76,"sentiment":"neutral","sentiment_score":-0.01149227975596053},{"text":"Exactly.","start":1094.54,"end":1095.04,"sentiment":"neutral","sentiment_score":0.06664371490478516},{"text":"So what I'm going to flag with you is to have a think about what retirement looks like for you.","start":1095.82,"end":1101.6,"sentiment":"neutral","sentiment_score":0.0882136408239603},{"text":"You don't have to answer me today.","start":1102.3251,"end":1104.985,"sentiment":"neutral","sentiment_score":0.019799500171627318},{"text":"This is something that we will continue to discuss at our ongoing reviews, but it is it is something that we've, you know, being 57, you're actually legally able to access your super in about three years.","start":1105.365,"end":1120.9,"sentiment":"neutral","sentiment_score":0.04805480512614186}],"sentiment":"neutral","sentiment_score":0.03900815851808515,"num_words":89,"start":1083.365,"end":1120.9},{"sentences":[{"text":"So we will...","start":1122.8,"end":1124.5,"sentiment":"neutral","sentiment_score":0.009956691414117813},{"text":"We're gonna start having those discussions a little bit in a little bit more detail.","start":1124.64,"end":1130.1051,"sentiment":"neutral","sentiment_score":0.020093360170722007},{"text":"Yes.","start":1130.885,"end":1131.385,"sentiment":"neutral","sentiment_score":0.09193754941225052},{"text":"So with that, we can help plan for that when that comes.","start":1132.885,"end":1136.3451,"sentiment":"neutral","sentiment_score":0.11773910373449326},{"text":"So your thought...","start":1137.125,"end":1138.8251,"sentiment":"neutral","sentiment_score":0.01981947881480058}],"sentiment":"neutral","sentiment_score":0.05575105021981632,"num_words":34,"start":1122.8,"end":1138.8251},{"sentences":[{"text":"Your...","start":1138.885,"end":1139.385,"sentiment":"neutral","sentiment_score":0.0016530356369912624},{"text":"Just to reiterate, I'll probably phrase back to you.","start":1139.4451,"end":1143.4651,"sentiment":"neutral","sentiment_score":0.009067046300818523},{"text":"Your thoughts on retirement at the moment is 70 because you're not sure what you would do, and you're gonna have to think about it.","start":1143.7001,"end":1155.3201,"sentiment":"neutral","sentiment_score":-0.0533066925406456},{"text":"Beautiful.","start":1157.525,"end":1158.025,"sentiment":"positive","sentiment_score":0.5964140892028809},{"text":"That is absolutely fine.","start":1159.685,"end":1161.605,"sentiment":"positive","sentiment_score":0.5740985125303268}],"sentiment":"neutral","sentiment_score":0.041084931953810154,"num_words":40,"start":1138.885,"end":1161.605},{"sentences":[{"text":"We can...","start":1161.605,"end":1162.005,"sentiment":"positive","sentiment_score":0.4165559560060501},{"text":"I can work with that, and we will go from there.","start":1162.005,"end":1165.845,"sentiment":"positive","sentiment_score":0.4137049344452945},{"text":"And we'll just continue that discussion.","start":1165.845,"end":1167.545,"sentiment":"neutral","sentiment_score":0.25340181837479275},{"text":"Lovely.","start":1170.2999,"end":1170.7999,"sentiment":"positive","sentiment_score":0.6142619848251343},{"text":"I'm gonna look into that beneficiary nomination for you about the form.","start":1171.1,"end":1177.76,"sentiment":"neutral","sentiment_score":0.21164905466139317}],"sentiment":"neutral","sentiment_score":0.3143227419350296,"num_words":32,"start":1161.605,"end":1177.76},{"sentences":[{"text":"And then what I'm going to do is if we need an updated one, I'm gonna send you a new one.","start":1177.82,"end":1185.035,"sentiment":"neutral","sentiment_score":0.05790318814771516},{"text":"If that's the case, do you have access to a printer, or would you like me to post it?","start":1186.855,"end":1192.235,"sentiment":"neutral","sentiment_score":0.025699041097571974},{"text":"Okay.","start":1195.335,"end":1195.735,"sentiment":"neutral","sentiment_score":0.1471533179283142},{"text":"So I can print that and send it to you.","start":1195.735,"end":1198.99,"sentiment":"neutral","sentiment_score":0.2058163806796074},{"text":"Would you like me to prefill it for you?","start":1198.99,"end":1201.5701,"sentiment":"neutral","sentiment_score":0.13858572476440006}],"sentiment":"neutral","sentiment_score":0.08594728965933124,"num_words":60,"start":1177.82,"end":1201.5701},{"sentences":[{"text":"Okay.","start":1203.79,"end":1204.29,"sentiment":"neutral","sentiment_score":0.18420246243476868},{"text":"So I've got Evangeline's details.","start":1204.8301,"end":1206.8501,"sentiment":"neutral","sentiment_score":0.09461865425109864},{"text":"Erica's, is it e r I c a?","start":1207.15,"end":1210.365,"sentiment":"neutral","sentiment_score":0.010813767788931727},{"text":"E r I k a?","start":1213.565,"end":1214.925,"sentiment":"neutral","sentiment_score":-0.007615484483540058},{"text":"And and surname?","start":1214.925,"end":1217.425,"sentiment":"neutral","sentiment_score":0.001779181572298209}],"sentiment":"neutral","sentiment_score":0.03232118174095045,"num_words":22,"start":1203.79,"end":1217.425},{"sentences":[{"text":"Yep.","start":1225.565,"end":1226.065,"sentiment":"neutral","sentiment_score":0.02156393975019455},{"text":"Okay.","start":1226.4,"end":1226.9,"sentiment":"neutral","sentiment_score":0.01731330342590809},{"text":"And date of birth for Erica?","start":1227.04,"end":1228.66,"sentiment":"neutral","sentiment_score":0.0054680776471892996},{"text":"I can...","start":1234.64,"end":1235.3,"sentiment":"neutral","sentiment_score":-0.04533643275499344},{"text":"What I'll do is I'll leave that bit blank because we can't have the wrong date in there.","start":1239.9349,"end":1243.9349,"sentiment":"neutral","sentiment_score":-0.07601993528401686}],"sentiment":"neutral","sentiment_score":-0.049548071127251854,"num_words":28,"start":1225.565,"end":1243.9349},{"sentences":[{"text":"So I'll leave that bit blank for you to send...","start":1243.9349,"end":1246.595,"sentiment":"neutral","sentiment_score":0.018570073693990708},{"text":"For you to complete.","start":1246.735,"end":1247.7949,"sentiment":"neutral","sentiment_score":0.06365041714161634},{"text":"Alright.","start":1249.0549,"end":1249.5549,"sentiment":"positive","sentiment_score":0.478956401348114},{"text":"Lovely.","start":1249.855,"end":1250.355,"sentiment":"positive","sentiment_score":0.5984630584716797},{"text":"Alright.","start":1250.655,"end":1251.155,"sentiment":"neutral","sentiment_score":0.20576028525829315}],"sentiment":"neutral","sentiment_score":0.10138130297555643,"num_words":17,"start":1243.9349,"end":1251.155},{"sentences":[{"text":"I...","start":1251.455,"end":1251.775,"sentiment":"neutral","sentiment_score":0.1164739951491356},{"text":"Do you have access to your emails at the moment?","start":1251.775,"end":1253.955,"sentiment":"neutral","sentiment_score":0.018695234321057796},{"text":"You're gonna get an email from me.","start":1256.99,"end":1258.77,"sentiment":"neutral","sentiment_score":0.09297281822987966},{"text":"It will come through as Odoo sign or Jenna.","start":1259.39,"end":1263.25,"sentiment":"neutral","sentiment_score":0.06461535311407512},{"text":"And when you receive that, there's a...","start":1264.11,"end":1266.67,"sentiment":"neutral","sentiment_score":0.02929181618882077}],"sentiment":"neutral","sentiment_score":0.051200498744626254,"num_words":34,"start":1251.455,"end":1266.67},{"sentences":[{"text":"When you open it, there's a box that says click here to sign or sign here.","start":1266.67,"end":1271.405,"sentiment":"neutral","sentiment_score":-0.005206420726608485},{"text":"What I will ask you to do...","start":1272.025,"end":1273.725,"sentiment":"neutral","sentiment_score":-0.048078709947211404},{"text":"It is, but you're not signing anything at the moment.","start":1275.065,"end":1277.405,"sentiment":"neutral","sentiment_score":-0.2712217405438423},{"text":"No.","start":1278.985,"end":1279.385,"sentiment":"neutral","sentiment_score":-0.17478355765342712},{"text":"I'm just gonna talk you through our review pack.","start":1279.385,"end":1281.805,"sentiment":"neutral","sentiment_score":-0.10358126047584745}],"sentiment":"neutral","sentiment_score":-0.09858339554955099,"num_words":43,"start":1266.67,"end":1281.805},{"sentences":[{"text":"And at the end, if you're happy with the fees and what needs signing, then then you'll sign it.","start":1281.865,"end":1289.65,"sentiment":"neutral","sentiment_score":0.10992813992657159},{"text":"But you're not signing anything at the moment.","start":1289.65,"end":1291.43,"sentiment":"neutral","sentiment_score":-0.3074462804943323},{"text":"Okay.","start":1293.41,"end":1293.81,"sentiment":"neutral","sentiment_score":0.08137056231498718},{"text":"So you just let me know when you got those documents open.","start":1293.81,"end":1296.71,"sentiment":"neutral","sentiment_score":0.09585460647940636},{"text":"Have you got those open?","start":1334.4349,"end":1335.6549,"sentiment":"neutral","sentiment_score":0.06259110420942307}],"sentiment":"neutral","sentiment_score":0.026081017239226234,"num_words":45,"start":1281.865,"end":1335.6549},{"sentences":[{"text":"Yep.","start":1337.715,"end":1337.97,"sentiment":"neutral","sentiment_score":0.07403147220611572},{"text":"Yep.","start":1338.37,"end":1338.87,"sentiment":"neutral","sentiment_score":0.05705403536558151},{"text":"Hello?","start":1341.1699,"end":1341.6699,"sentiment":"neutral","sentiment_score":0.025302011519670486},{"text":"Yeah.","start":1341.73,"end":1342.0499,"sentiment":"neutral","sentiment_score":0.03530588746070862},{"text":"You there?","start":1342.0499,"end":1342.71,"sentiment":"neutral","sentiment_score":0.02702528052031994}],"sentiment":"neutral","sentiment_score":0.04095732793211937,"num_words":6,"start":1337.715,"end":1342.71},{"sentences":[{"text":"Yeah.","start":1344.21,"end":1344.71,"sentiment":"neutral","sentiment_score":0.07518211007118225},{"text":"And you got those documents?","start":1344.77,"end":1346.07,"sentiment":"neutral","sentiment_score":0.07975338399410248},{"text":"Fantastic.","start":1347.01,"end":1347.51,"sentiment":"positive","sentiment_score":0.7010953426361084},{"text":"So the first document you should see is a summary of your super and insurance.","start":1348.0499,"end":1352.7899,"sentiment":"positive","sentiment_score":0.35239619612693784},{"text":"So all this is is a is a brief outline of what we're gonna run through through the the form...","start":1353.475,"end":1358.355,"sentiment":"neutral","sentiment_score":0.21045618280768394}],"sentiment":"neutral","sentiment_score":0.2540502612079893,"num_words":42,"start":1344.21,"end":1358.355},{"sentences":[{"text":"The review.","start":1358.355,"end":1359.075,"sentiment":"neutral","sentiment_score":-0.0038568219169974327},{"text":"Sorry.","start":1359.075,"end":1359.575,"sentiment":"neutral","sentiment_score":-0.05241259187459946},{"text":"So your superannuation is currently with Netwealth with a balance of approximately $201,213.","start":1359.875,"end":1367.815,"sentiment":"neutral","sentiment_score":-0.04257251630322291},{"text":"And your...","start":1369.8501,"end":1370.49,"sentiment":"neutral","sentiment_score":0.003229191992431879},{"text":"You have the life and TPD insurance, which we spoke about before, being insured at a $176,956, and that's costing you $3,583 per annum, which gets deducted from your superannuation fund.","start":1370.49,"end":1387.635,"sentiment":"neutral","sentiment_score":-0.02263517294740004}],"sentiment":"neutral","sentiment_score":-0.026710222959898566,"num_words":49,"start":1358.355,"end":1387.635},{"sentences":[{"text":"Okay.","start":1390.095,"end":1390.595,"sentiment":"neutral","sentiment_score":0.032377902418375015},{"text":"With the income protection side of things, which is what we're talking about earlier, you can ensure up to 70% of your taxable income.","start":1392.255,"end":1401.7,"sentiment":"neutral","sentiment_score":0.02769750077277422},{"text":"So for me to be able to look at that and make some recommendations, probably need a few payslips to have a look at to try and average out an income as well as maybe last financial year's tax return.","start":1401.76,"end":1421.045,"sentiment":"neutral","sentiment_score":0.10407544495537877},{"text":"That will help me make sure that you're not over insured or under insured.","start":1423.265,"end":1427.285,"sentiment":"neutral","sentiment_score":0.10316429606505803},{"text":"Because if you do claim, you can only claim up to 70% of your taxable income.","start":1427.79,"end":1433.63,"sentiment":"neutral","sentiment_score":0.13553135516121984}],"sentiment":"neutral","sentiment_score":0.08918881628074143,"num_words":95,"start":1390.095,"end":1433.63},{"sentences":[{"text":"So that helps me make sure that you're insured for the right amount.","start":1433.63,"end":1438.13,"sentiment":"neutral","sentiment_score":0.19139897536772948},{"text":"And then with income protection, there's two elements.","start":1440.3651,"end":1443.185,"sentiment":"neutral","sentiment_score":0.030483024194836617},{"text":"There's what we call a waiting period, which is similar to...","start":1443.805,"end":1447.405,"sentiment":"neutral","sentiment_score":0.0012078424915671349},{"text":"If you think of it like an excess, it's the number of days you need to wait until you're eligible to be paid.","start":1447.405,"end":1453.8251,"sentiment":"neutral","sentiment_score":-0.029708848375341167},{"text":"So they vary from thirty days to sixty days to ninety days and so on.","start":1454.16,"end":1460.18,"sentiment":"neutral","sentiment_score":-0.0014408303735156853}],"sentiment":"neutral","sentiment_score":0.029148873893011892,"num_words":70,"start":1433.63,"end":1460.18},{"sentences":[{"text":"And and then there's what we call a benefit period.","start":1461.4401,"end":1464.4,"sentiment":"neutral","sentiment_score":0.03917354047298431},{"text":"So depending on the severity of your injury or illness, it's the maximum amount of time you can be paid per injury or illness, and they vary from two years to five years to age 65.","start":1464.4,"end":1477.3351,"sentiment":"neutral","sentiment_score":-0.02140693085407798},{"text":"So based on that, a waiting period, are you thinking of...","start":1478.995,"end":1485.71,"sentiment":"neutral","sentiment_score":0.023789717731150715},{"text":"What sort of waiting period would you need?","start":1486.97,"end":1490.03,"sentiment":"neutral","sentiment_score":-0.05354828666895628},{"text":"Yeah.","start":1496.73,"end":1497.23,"sentiment":"neutral","sentiment_score":-0.06458308547735214}],"sentiment":"neutral","sentiment_score":-0.009245402875807706,"num_words":66,"start":1461.4401,"end":1497.23},{"sentences":[{"text":"So it's basically...","start":1497.4451,"end":1498.265,"sentiment":"neutral","sentiment_score":-0.033958425745368004},{"text":"In thinking of that, how...","start":1498.885,"end":1500.5851,"sentiment":"neutral","sentiment_score":-0.02725084833800793},{"text":"Do you have any savings, redraw, or anything like that that you can rely on for at least thirty days or sixty or ninety days to supplement your income until you're able to lodge a claim and be paid.","start":1500.645,"end":1515.65,"sentiment":"neutral","sentiment_score":0.015890911675225466},{"text":"Sixty days.","start":1519.31,"end":1520.2101,"sentiment":"neutral","sentiment_score":0.006389678143023048},{"text":"And then a benefit period is the maximum amount of time you can be paid.","start":1520.67,"end":1524.91,"sentiment":"neutral","sentiment_score":0.009178291509548823}],"sentiment":"neutral","sentiment_score":0.0083135900833895,"num_words":64,"start":1497.4451,"end":1524.91},{"sentences":[{"text":"So that's two years or five years or to age 65, noting that an income protection policy is gonna cancel out about age 65 or 70 depending on the insurer.","start":1524.91,"end":1537.485,"sentiment":"neutral","sentiment_score":-0.07678844857340057},{"text":"Yep.","start":1542.52,"end":1543.02,"sentiment":"neutral","sentiment_score":0.057875629514455795},{"text":"Okay.","start":1543.0801,"end":1543.5801,"sentiment":"neutral","sentiment_score":0.03356856107711792},{"text":"So the...","start":1543.88,"end":1544.68,"sentiment":"neutral","sentiment_score":0.015818914864212275},{"text":"So with income protection, you can pay for it through your superannuation fund or your personal cash flow.","start":1544.68,"end":1554.375,"sentiment":"neutral","sentiment_score":0.059357879476414785}],"sentiment":"neutral","sentiment_score":-0.021387107813587554,"num_words":52,"start":1524.91,"end":1554.375},{"sentences":[{"text":"Your personal cash flow means it will be tax deductible to you.","start":1554.755,"end":1559.0951,"sentiment":"neutral","sentiment_score":0.11057558717827003},{"text":"I am gonna warn you, the premiums are gonna be decent based on your age and occupation.","start":1559.875,"end":1567.61,"sentiment":"neutral","sentiment_score":-0.015693048782208386},{"text":"So I'm...","start":1568.63,"end":1570.4099,"sentiment":"neutral","sentiment_score":-0.05036010034382343},{"text":"Yes.","start":1572.3099,"end":1572.8099,"sentiment":"neutral","sentiment_score":0.0327770859003067},{"text":"But it's still worth probably having a look to see...","start":1575.75,"end":1581.585,"sentiment":"neutral","sentiment_score":-0.05323016252368688}],"sentiment":"neutral","sentiment_score":0.010949535162321158,"num_words":42,"start":1554.755,"end":1581.585},{"sentences":[{"text":"So you're...","start":1583.5651,"end":1584.285,"sentiment":"neutral","sentiment_score":-0.013896557502448559},{"text":"You can make an informed decision.","start":1584.285,"end":1585.745,"sentiment":"neutral","sentiment_score":0.10962661107381184},{"text":"Yes.","start":1587.885,"end":1588.385,"sentiment":"neutral","sentiment_score":0.13267427682876587},{"text":"Okay.","start":1588.685,"end":1589.185,"sentiment":"neutral","sentiment_score":0.09799879044294356},{"text":"And then there's a different type of insurance called trauma insurance.","start":1590.125,"end":1593.63,"sentiment":"neutral","sentiment_score":0.074028649113395}],"sentiment":"neutral","sentiment_score":0.07975975042652517,"num_words":21,"start":1583.5651,"end":1593.63},{"sentences":[{"text":"So it covers you for a lump sum should you be diagnosed with a critical illness, and that can range from cancer, stroke, heart attack to a neurological disease.","start":1593.69,"end":1607.3099,"sentiment":"neutral","sentiment_score":0.062296055257320404},{"text":"And that that premium is paid for out of your personal cash flow.","start":1607.8451,"end":1612.4851,"sentiment":"neutral","sentiment_score":0.14868711966734666},{"text":"Is that something you wanna look at as well?","start":1612.4851,"end":1614.5851,"sentiment":"neutral","sentiment_score":0.14108533163865408},{"text":"Yep.","start":1619.285,"end":1619.765,"sentiment":"neutral","sentiment_score":0.19362029433250427},{"text":"I can certainly do that.","start":1619.765,"end":1621.41,"sentiment":"positive","sentiment_score":0.4175558865070343}],"sentiment":"neutral","sentiment_score":0.1279067696447958,"num_words":57,"start":1593.69,"end":1621.41},{"sentences":[{"text":"If you were to be...","start":1621.73,"end":1623.1901,"sentiment":"neutral","sentiment_score":0.06773729547858238},{"text":"Suffer one of those events, would you would you need funds available to help cover medical expenses, or would it be more just to cover a period of time for you to get back on your feet and get back to work?","start":1623.41,"end":1642.995,"sentiment":"neutral","sentiment_score":0.014545472438580223},{"text":"Because...","start":1642.995,"end":1643.495,"sentiment":"neutral","sentiment_score":-0.01779882237315178},{"text":"Yeah.","start":1646.1951,"end":1646.675,"sentiment":"neutral","sentiment_score":0.04241791367530823},{"text":"Yep.","start":1646.675,"end":1647.0751,"sentiment":"neutral","sentiment_score":0.08392857760190964}],"sentiment":"neutral","sentiment_score":0.021162879774346947,"num_words":50,"start":1621.73,"end":1647.0751},{"sentences":[{"text":"Okay.","start":1647.0751,"end":1647.5751,"sentiment":"neutral","sentiment_score":0.2516360878944397},{"text":"Fantastic.","start":1647.7151,"end":1648.2151,"sentiment":"positive","sentiment_score":0.6460589170455933},{"text":"I can work some figures on that.","start":1648.435,"end":1650.375,"sentiment":"positive","sentiment_score":0.506276718207768},{"text":"Lovely.","start":1650.99,"end":1651.49,"sentiment":"positive","sentiment_score":0.526827335357666},{"text":"The next document is your performance report.","start":1652.83,"end":1656.85,"sentiment":"neutral","sentiment_score":0.10074876568147115}],"sentiment":"positive","sentiment_score":0.33374710161896315,"num_words":17,"start":1647.0751,"end":1656.85},{"sentences":[{"text":"Yep.","start":1660.19,"end":1660.67,"sentiment":"neutral","sentiment_score":0.05523001775145531},{"text":"So what that is is it's the overall performance for the last twelve months with Netwealth.","start":1660.67,"end":1666.45,"sentiment":"neutral","sentiment_score":0.055032935459166765},{"text":"So earlier in the year, you received the document to move out of the Benelong Australian equities fund due to underperformance and replace that with the BetaShares Australian 200 ETF.","start":1667.2949,"end":1678.995,"sentiment":"neutral","sentiment_score":0.011512778544177612},{"text":"So we got that done.","start":1680.14,"end":1682.16,"sentiment":"neutral","sentiment_score":0.05734164863824844},{"text":"It still has...","start":1683.26,"end":1684.22,"sentiment":"neutral","sentiment_score":-0.012569993734359741}],"sentiment":"neutral","sentiment_score":0.02782070188021118,"num_words":55,"start":1660.19,"end":1684.22},{"sentences":[{"text":"It still had an impact on your overall portfolio for the twelve months because Bennelong was in there for more than the six month period.","start":1684.22,"end":1691.44,"sentiment":"neutral","sentiment_score":-0.1431246680021286},{"text":"So your overall net performance, so less costs, etcetera, was negative 0.49%.","start":1692.375,"end":1701.8351,"sentiment":"neutral","sentiment_score":-0.1723454874008894},{"text":"So you had a negative year.","start":1701.895,"end":1703.675,"sentiment":"neutral","sentiment_score":-0.1981383686264356},{"text":"What I've gone and done is I've...","start":1704.1799,"end":1706.6,"sentiment":"neutral","sentiment_score":-0.09523448028734752},{"text":"Now that Bennelong has been out of it, I've done a six month return since Bennelong has been removed, and your your return for the last six months is now sitting at 12.41%.","start":1706.98,"end":1720.7351,"sentiment":"neutral","sentiment_score":0.043553470436370735}],"sentiment":"neutral","sentiment_score":-0.0730658987739,"num_words":83,"start":1684.22,"end":1720.7351},{"sentences":[{"text":"So...","start":1721.9951,"end":1722.4951,"sentiment":"neutral","sentiment_score":0.02283787727355957},{"text":"Sorry?","start":1723.755,"end":1724.255,"sentiment":"neutral","sentiment_score":-0.015415344387292862},{"text":"Yeah.","start":1727.115,"end":1727.515,"sentiment":"neutral","sentiment_score":0.09948232024908066},{"text":"That's a 100% right.","start":1727.515,"end":1729.2151,"sentiment":"neutral","sentiment_score":0.1682104393839836},{"text":"But the the benefit of replace...","start":1729.3551,"end":1731.615,"sentiment":"neutral","sentiment_score":0.04256716618935267}],"sentiment":"neutral","sentiment_score":0.07962689290826137,"num_words":13,"start":1721.9951,"end":1731.615},{"sentences":[{"text":"Replacing that Bennelong fund has played out the way that we wanted it and intended it to.","start":1731.8351,"end":1741.17,"sentiment":"neutral","sentiment_score":0.11290971573223085},{"text":"So it is...","start":1741.63,"end":1743.55,"sentiment":"neutral","sentiment_score":0.03772628804047903},{"text":"The portfolio is performing much, much better now.","start":1743.55,"end":1747.41,"sentiment":"positive","sentiment_score":0.3951204903423786},{"text":"With relation to your other investments within the portfolio, there's no flags there that we see that need any further investigation.","start":1749.335,"end":1758.075,"sentiment":"neutral","sentiment_score":0.21636370037283217},{"text":"The portfolio is performing well, running as we would expect it to.","start":1758.615,"end":1763.74,"sentiment":"positive","sentiment_score":0.5805053984125456}],"sentiment":"neutral","sentiment_score":0.2738247613621051,"num_words":61,"start":1731.8351,"end":1763.74},{"sentences":[{"text":"So for the time being, I find I'm I'm quite happy with the way your portfolio is structured.","start":1764.36,"end":1770.7799,"sentiment":"positive","sentiment_score":0.5196172909604179},{"text":"Beautiful.","start":1774.9451,"end":1775.4451,"sentiment":"positive","sentiment_score":0.5714094042778015},{"text":"The next document is a Vanguard index chart.","start":1775.985,"end":1779.525,"sentiment":"neutral","sentiment_score":0.08471433725208044},{"text":"What that is is a nice little educational piece that I like to talk about in line with your risk profile.","start":1780.0651,"end":1786.645,"sentiment":"positive","sentiment_score":0.5102393272377196},{"text":"So your risk profile is what you're currently invested as.","start":1787.4,"end":1791.1,"sentiment":"neutral","sentiment_score":0.11578792706131935}],"sentiment":"positive","sentiment_score":0.38750242210667707,"num_words":58,"start":1764.36,"end":1791.1},{"sentences":[{"text":"So you'll see down the right hand side of the page, you've got US shares, estranged shares, international shares, and property.","start":1791.7201,"end":1798.54,"sentiment":"neutral","sentiment_score":0.09431123573865209},{"text":"And all the squiggly lines that go along with that that show the market volatility of how those sectors behave.","start":1800.055,"end":1807.115,"sentiment":"neutral","sentiment_score":0.05836538411676884},{"text":"Below that, you've got...","start":1808.4551,"end":1810.2151,"sentiment":"neutral","sentiment_score":0.028992720413953066},{"text":"And those those are called your growth assets.","start":1810.2151,"end":1812.36,"sentiment":"neutral","sentiment_score":0.039357300382107496},{"text":"Below that, you've got a strain bonds and cash, and they're your defensive assets.","start":1813.16,"end":1817.72,"sentiment":"neutral","sentiment_score":0.0577616100864751}],"sentiment":"neutral","sentiment_score":0.06548261878761782,"num_words":67,"start":1791.7201,"end":1817.72},{"sentences":[{"text":"So over the long term, we see a little bit of growth, but they they predominantly produce income.","start":1817.72,"end":1824.38,"sentiment":"neutral","sentiment_score":0.09066956986983617},{"text":"And they're the the less aggressive part of your portfolio.","start":1825.72,"end":1830.8451,"sentiment":"neutral","sentiment_score":0.05328039415180683},{"text":"So the way you're invested now is as a high growth investor, and how that is invested is we see about 90% of your superannuation allocated to the top four investments up there, those very volatile ones, and 10 percent, yep, and 10% to your defensive.","start":1831.385,"end":1849.95,"sentiment":"neutral","sentiment_score":0.16893770035518252},{"text":"Now that's why I asked the question about retirement earlier.","start":1850.73,"end":1854.91,"sentiment":"neutral","sentiment_score":0.07339204251766204},{"text":"With with retirement approaching, if you're realistically looking at the age of 70, you do have time on your hands to maintain this high gross allocation Because we we do...","start":1855.805,"end":1870.88,"sentiment":"neutral","sentiment_score":0.13840267459551495}],"sentiment":"neutral","sentiment_score":0.13001746560136476,"num_words":114,"start":1817.72,"end":1870.88},{"sentences":[{"text":"Yeah?","start":1871.6599,"end":1872.1599,"sentiment":"neutral","sentiment_score":0.12862378358840942},{"text":"Did you want me to explain any further or you're just happy to do that?","start":1872.46,"end":1876.48,"sentiment":"neutral","sentiment_score":0.12198166474699974},{"text":"High growth.","start":1881.8999,"end":1882.515,"sentiment":"neutral","sentiment_score":0.0718733910471201},{"text":"Absolutely.","start":1884.995,"end":1885.495,"sentiment":"neutral","sentiment_score":0.2393595278263092},{"text":"Alright.","start":1885.875,"end":1886.355,"sentiment":"neutral","sentiment_score":0.1869806945323944}],"sentiment":"neutral","sentiment_score":0.12642178796231746,"num_words":20,"start":1871.6599,"end":1886.355},{"sentences":[{"text":"No worries at all.","start":1886.355,"end":1887.5751,"sentiment":"neutral","sentiment_score":0.1486290656030178},{"text":"The next document is your insurance certificate of currency.","start":1888.915,"end":1893.175,"sentiment":"neutral","sentiment_score":0.08391545961300532},{"text":"So that is just showing you that your life and TPD cover that we talked about earlier is in place and in it...","start":1893.3151,"end":1901.2001,"sentiment":"neutral","sentiment_score":0.13957024624814157},{"text":"Is in force.","start":1901.2001,"end":1902.1,"sentiment":"neutral","sentiment_score":0.10085602104663849},{"text":"The following document is our financial services guide.","start":1905.28,"end":1908.48,"sentiment":"neutral","sentiment_score":0.05592900840565562}],"sentiment":"neutral","sentiment_score":0.11297598283024544,"num_words":47,"start":1886.355,"end":1908.48},{"sentences":[{"text":"So that document explains to you who we are, who we're licensed through...","start":1908.48,"end":1913.875,"sentiment":"neutral","sentiment_score":0.05004991218447685},{"text":"That we're licensed through ASIC.","start":1913.875,"end":1915.575,"sentiment":"neutral","sentiment_score":0.07842122092843055},{"text":"It explains our fees, the advice we provide, how we provide it, and the complaints process.","start":1917.715,"end":1924.6951,"sentiment":"neutral","sentiment_score":0.09736242494545877},{"text":"The next document is your annual fee consent renewal.","start":1928.68,"end":1932.62,"sentiment":"neutral","sentiment_score":0.0636271010670397},{"text":"So based on...","start":1933.4801,"end":1935.26,"sentiment":"neutral","sentiment_score":0.0010846553680797417}],"sentiment":"neutral","sentiment_score":0.06905329647554975,"num_words":46,"start":1908.48,"end":1935.26},{"sentences":[{"text":"What what we do is that it's a it's a percent based fee.","start":1935.88,"end":1940.535,"sentiment":"neutral","sentiment_score":0.020467102241057616},{"text":"So being 1.1% of your balance up to 600,000, but rather than it being variable and percent based each month, it's now fixed at a dollar value.","start":1940.995,"end":1951.955,"sentiment":"neutral","sentiment_score":0.03134792015232422},{"text":"So it's calculated at 1.1%, but then we fix it for the next twelve months.","start":1951.955,"end":1957.2799,"sentiment":"neutral","sentiment_score":0.025217088560263317},{"text":"So for the next twelve months, it'll be at $184.45 per month, which equates to $2,213.40 a year.","start":1957.58,"end":1970.095,"sentiment":"neutral","sentiment_score":0.03375698212120268},{"text":"So that covers your new...","start":1970.955,"end":1973.195,"sentiment":"neutral","sentiment_score":0.025880614668130873}],"sentiment":"neutral","sentiment_score":0.02856091350221481,"num_words":78,"start":1935.88,"end":1973.195},{"sentences":[{"text":"Your reviews that, like, we're conducting now.","start":1973.195,"end":1975.615,"sentiment":"neutral","sentiment_score":0.00912841675536973},{"text":"It it covers the changes that we're gonna make, the additional insurance recommendations, anything that we need to...","start":1976.89,"end":1985.15,"sentiment":"neutral","sentiment_score":0.024562741707389552},{"text":"Well, not the insurance recommendation.","start":1985.29,"end":1986.75,"sentiment":"neutral","sentiment_score":-0.0417899476364255},{"text":"Sorry.","start":1986.97,"end":1987.21,"sentiment":"neutral","sentiment_score":-0.059979282319545746},{"text":"But if there was some investment options that I was gonna make a recommendation to tailor if you needed superannuation contribution advice.","start":1987.21,"end":2000.265,"sentiment":"neutral","sentiment_score":0.004640707375735722}],"sentiment":"neutral","sentiment_score":0.006399902071417222,"num_words":53,"start":1973.195,"end":2000.265},{"sentences":[{"text":"So say in six months' time, you decide that you wanna start making contributions again, give us a call.","start":2000.725,"end":2006.49,"sentiment":"neutral","sentiment_score":0.0252593794935628},{"text":"Your fee covers all that.","start":2006.49,"end":2008.49,"sentiment":"neutral","sentiment_score":0.03236502893269062},{"text":"So you're not just limited to your...","start":2008.49,"end":2011.4701,"sentiment":"neutral","sentiment_score":0.000852233065026147},{"text":"In relation to your superannuation and retirement.","start":2016.7301,"end":2019.63,"sentiment":"neutral","sentiment_score":0.011667736140745026},{"text":"Yeah.","start":2019.8501,"end":2020.305,"sentiment":"neutral","sentiment_score":0.052871908992528915}],"sentiment":"neutral","sentiment_score":0.020058078166001882,"num_words":39,"start":2000.725,"end":2020.305},{"sentences":[{"text":"Yep.","start":2020.7051,"end":2021.2051,"sentiment":"neutral","sentiment_score":0.1501745879650116},{"text":"Beautiful.","start":2022.545,"end":2023.045,"sentiment":"positive","sentiment_score":0.41300857067108154},{"text":"So that fee needs to be...","start":2024.2251,"end":2025.9851,"sentiment":"neutral","sentiment_score":0.019276135601103306},{"text":"That form needs to be signed.","start":2025.9851,"end":2027.685,"sentiment":"neutral","sentiment_score":0.0065680624296267824},{"text":"And then the last form is the tax file number form.","start":2027.905,"end":2031.745,"sentiment":"neutral","sentiment_score":0.03932710195129568}],"sentiment":"neutral","sentiment_score":0.046033858731389043,"num_words":25,"start":2020.7051,"end":2031.745},{"sentences":[{"text":"So it's just acknowledging and you giving us authority, basically, to hold your tax file number on file.","start":2031.745,"end":2038.74,"sentiment":"neutral","sentiment_score":0.052950485402511224},{"text":"The reason why we have it is because when we set up your superannuation fund, we needed to supply it to ensure that you weren't getting taxed as a person that wasn't as an Australian resident.","start":2039.2,"end":2051.455,"sentiment":"neutral","sentiment_score":0.016230791833044753},{"text":"So that's why we have that.","start":2052.0752,"end":2054.955,"sentiment":"neutral","sentiment_score":0.0427942102154096},{"text":"So by you signing that, you just acknowledge that we're holding that on file for you.","start":2054.955,"end":2059.135,"sentiment":"neutral","sentiment_score":0.0616291961632669},{"text":"Lovely.","start":2061.195,"end":2061.695,"sentiment":"positive","sentiment_score":0.5494078993797302}],"sentiment":"neutral","sentiment_score":0.04324230574700352,"num_words":77,"start":2031.745,"end":2061.695},{"sentences":[{"text":"So with the insurances, did you want me to give you some indicative prices via email before we go looking at a full recommendation so you can have a look at yeah.","start":2062.22,"end":2078.385,"sentiment":"neutral","sentiment_score":0.11547724180854857},{"text":"And then we can go from there.","start":2078.385,"end":2080.2449,"sentiment":"neutral","sentiment_score":0.24815309473446437},{"text":"Okay.","start":2082.065,"end":2082.565,"sentiment":"neutral","sentiment_score":0.0892249271273613},{"text":"And then after that...","start":2082.865,"end":2084.4048,"sentiment":"neutral","sentiment_score":0.05838415026664734},{"text":"And with that, I'll send you through that estate planning brochure for you to have a look at.","start":2085.585,"end":2092.23,"sentiment":"neutral","sentiment_score":0.10970245798428853}],"sentiment":"neutral","sentiment_score":0.12467337375687014,"num_words":62,"start":2062.22,"end":2092.23},{"sentences":[{"text":"Do you have any questions for me, Steve?","start":2094.6099,"end":2096.7898,"sentiment":"neutral","sentiment_score":0.22229237481951714},{"text":"Oh, thank you.","start":2100.7698,"end":2101.91,"sentiment":"positive","sentiment_score":0.6762575705846151},{"text":"That's lovely.","start":2102.7698,"end":2103.5898,"sentiment":"positive","sentiment_score":0.7007494866847992},{"text":"Yeah.","start":2115.7651,"end":2116.165,"sentiment":"neutral","sentiment_score":0.25555336475372314},{"text":"That's 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right.","start":2131.49,"end":2132.31,"sentiment":"neutral","sentiment_score":0.10575005784630775}],"sentiment":"neutral","sentiment_score":0.03800415993795137,"num_words":44,"start":2116.645,"end":2132.31},{"sentences":[{"text":"That's right.","start":2134.2449,"end":2135.045,"sentiment":"neutral","sentiment_score":0.19493313133716583},{"text":"And next time we speak, I'm gonna be a little bit more, at your next review, a little bit more, probing in relation to retirement planning, so be prepared.","start":2135.045,"end":2146.025,"sentiment":"neutral","sentiment_score":0.06726339986098223},{"text":"Alright.","start":2149.6099,"end":2150.0098,"sentiment":"neutral","sentiment_score":0.06727232038974762},{"text":"Well, I'll send you through an email possibly tomorrow.","start":2150.0098,"end":2153.7898,"sentiment":"neutral","sentiment_score":0.07984473225143221},{"text":"I'll send it all at 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to...","start":2181.8499,"end":2182.8298,"sentiment":"neutral","sentiment_score":-0.014990261445442835}],"sentiment":"neutral","sentiment_score":0.12011843936384789,"num_words":56,"start":2154.97,"end":2182.8298},{"sentences":[{"text":"Yeah.","start":2183.45,"end":2183.69,"sentiment":"neutral","sentiment_score":-0.004471318796277046},{"text":"You do need to sign those last two forms.","start":2183.69,"end":2185.93,"sentiment":"neutral","sentiment_score":-0.0010122032836079597},{"text":"So the fee form and the the tax file number form.","start":2185.93,"end":2190.7048,"sentiment":"neutral","sentiment_score":0.04364538074217059},{"text":"So you should be able to do that while you're in the document, and then I think you hit submit or send or something like that, and that will come through to me anyway.","start":2190.7048,"end":2200.325,"sentiment":"neutral","sentiment_score":0.10725909750908613},{"text":"Lovely.","start":2202.99,"end":2203.47,"sentiment":"positive","sentiment_score":0.8308947086334229}],"sentiment":"neutral","sentiment_score":0.08828967970995498,"num_words":56,"start":2183.45,"end":2203.47},{"sentences":[{"text":"Alright.","start":2203.47,"end":2203.79,"sentiment":"positive","sentiment_score":0.5952197909355164},{"text":"Well, I look forward to talking to you soon, and I'll get that information off to you ASAP.","start":2203.79,"end":2208.1301,"sentiment":"positive","sentiment_score":0.7137986256016625},{"text":"You're absolutely welcome.","start":2210.83,"end":2211.95,"sentiment":"positive","sentiment_score":0.7879837950070699},{"text":"Enjoy your afternoon.","start":2211.95,"end":2212.93,"sentiment":"positive","sentiment_score":0.7905539075533549},{"text":"Bye.","start":2215.07,"end":2215.57,"sentiment":"neutral","sentiment_score":-0.11407797038555144}],"sentiment":"positive","sentiment_score":0.6948126995792756,"num_words":26,"start":2203.47,"end":2215.57}]}}]},{"alternatives":[{"transcript":"Hello. Steve speaking. I'm very well. Thank you. Yeah. Yep. That's all good. Steven Blair. Date of birth, birth of the second nineteen sixty nine. Address, 10 Carol Way, Greenfields Perth, WA. Yeah. We can add a password. Okay. Apollona, APOLONA, my... All lowercase, Blair, BLAIR, M, L3 50. No. I use this one quite regularly for a few things, so I'm I'm aware of it. Yep. Sure. Yeah. Yeah. I was I was made redundant in last December. So I'm just doing, like, casual work at the moment until I can find, you know, the right job. Just the one employer at the moment. Evolve Talent. So I'm I'm still doing, like, off... My... Or fly in fly out work. So I I generally do, like, maybe eighty four hours a week So, like... So it's it's basically on... Generally, it's based on either a week work and a week off or two weeks on, one week off. It just depends on what's available. Yeah. Yes. That's correct. Just more... It's more mining at the moment. Yep. Yeah. So probably, let's say, anywhere between 80 to a 100 10 maybe on this casual basis. Yes. Yeah. Let's do that. Yeah. They have a little bit. Obviously, because we moved into the new house, and I sold some property. But then the tax man wants a half of that as well. Can't get away from him. No. He doesn't. Yeah. Not really because it's like I said, it's it's hard at the moment because, I mean, well, obviously, mortgage rate rates and expenditures and prices of groceries and stuff, everything's going up. And, of course, I don't know when, obviously, my next paycheck's gonna come in because my company paying me, like, for four days, and then they pay me for three days. And then I might get paid for seven days and then three days again. You know? So it's a bit difficult at the moment. Yeah. Pretty much. Well, I was open sold December last year. Obviously, I I didn't work for the first five months of this year. And, obviously, I'm I'm gonna just get back into, like, you know, the roster and everything of of, you know, casual work. So I I will be looking into that. Certainly, once I get a full time job again. Yes. At the moment, no. At a later date. Yeah. No. No. Yes. Yes. Which is Kencarole Way. Well, I had it valued last or earlier this year, and they said between 1.4 and 1.5. Just shy of 4... Just shy of 500,000, I'd say. There's only... There's less than 5,000 debt on it. Yep. I still have them. Yeah. Oh, no. They dropped. Yeah. They're probably... I'm... I'll be looking for the worth a thousand $500 or something at the moment. But as long as I keep ahold of them, who knows what might happen to them? Yep. No. No. No. No. Yes. AHM. My height is one eighty three centimeters, and my weight is ninety kilo. Not at the moment. No. That's okay. Yeah. Has to be done. Yep. 80%. Yes. Yes. I got a a small payout for that, which didn't go very far. It doesn't. No. So... Well, I mean, I I I did... We... I did put a lot a lot a lot of my finances into the new build and put a swimming pool in and had all the the the rear of the house done nicely. So at least I invested it in the house, basically. Yep. Still working on that. Just more holidays. Well, my partner's from The Philippines, and I've never been. So that's one place. I've got a wedding to go to in Thailand next year. So... Yeah. Mhmm. Few places. Yeah. Yeah. Yeah. I'm okay with that at the moment. Yep. Do you know what? You're gonna... You're you're not gonna believe this one. But when I was working on the rigs, I took out income protection. And then, yeah, and then later, Real Insurance told me that it was actually null and void because I work offshore in a dangerous occupation. No. Yeah. I know. Correct. Yeah. Yeah. Probably. Yep. Mhmm. Not really soon. But it is something that has been in the back of my mind in the last few months, I will admit. That it... I know it's something I need to get on to. Yep. Yep. That would be fine. Yeah. That would be great. Yes. You did. Oh, it's okay. Yeah. Yes. Can I just ask you? I thought I put down Evangeline and Erica. Well, as a 100%. Okay. Because I filled a form out that said Evangeline 75% and Erica 25%. Maybe that was just something else, but I'm pretty sure. So it might have been my sister, actually. I don't know. Yep. She is the same going on 14 in December. Yes. Okay. That's cool. So I don't want anything to happen to me in the next four years then. Yep. Yep. Right. Gotcha. Yeah. That's fine. Yep. Sure. Yep. Correct. Do you know what? I was thinking probably closer to 70 at the moment. Yeah. Oh, just I I I I don't wanna know what I do when I when I finish work. To be honest, you know, it's it's a bit daunting, to be honest. Like, what are you gonna do? You know? That that makes a lot of sense. Yep. Yeah. Rather than just going cold turkey. Yeah. Yep. Yep. More in-depth. Yep. I kinda figured. Yep. Correct. Yeah. Yep. Sounds good. Yep. I do have access to a printer. Yes. Yeah. Why not? That'd be easier. No. It's k. Yep. It's the same as Eva Angeline Apollona, a p o l o n a. Oh, Jesus. What do you want me? It's the... Is it... And and do you know what? I'm not sure it's the thirteenth of the twelfth or the twelfth of the twelfth. That's good. Yeah. Excellent. I do. Yes. Okay. Yep. Is that like... Is this like a DocuSign? Right. Okay. Oh, alright. Yeah. I'm here. Hello? Yeah. Yeah. Yeah. I'm here. Yes. I've got that open. Yep. Yep. Yep. Okay. Yep. Yep. Yeah. Right. Yep. What would... What's what's in the... I don't know what's recommended here. Yes. Okay. Yeah. Gotcha. So I would probably say sixty days. Yeah. Okay. Well, let's go for the maximum. Yep. When you said decent, you mean high. Yeah. Yeah. Yep. Yes. If you can send me the info info on that, that'd be great. Well, I'm hoping it'd just be a period of time. Yep. Yep. Yep. Well, that's better than the Magus. That's better than the negative. Good. Excellent. Yep. That sounds good to me. Yep. Right. Yep. Yep. Yep. Yep. I understand that. Yep. I'm happy to do that. I'm happy to keep going as we are keeping it in a... The the high the high growth. Yeah. Yep. Yes. Got it. Yep. Yep. Uh-huh. Yep. Okay. So, basically, that that 2,000 plus dollars covers everything that I need. And for you to... Yeah. Yeah. Excellent. Yep. Lock that in. Yep. Yep. That's cool. Yeah. That would be great. Yeah. Fantastic. No. Because you cover everything so beautifully. I mean, honestly, I... Everybody I've dealt with at Oakview has always been, like, on the ball. They know what they're talking about. And I'm just happy to, like, you know, like, as long as it's increasing, then let's just keep going the way we're going. Well, of course. As long as we're heading in the right direction and going up, then, you know, I've got nothing to complain about. Okay. Yep. Yep. Excellent stuff. Yeah. And what you just sent to me now, all that paperwork, do I need to sign... You said I don't need to sign anything? Or is is that coming? Yep. That's fine. Yeah. Okay. Excellent. All good. Thank you so much. Thank you. Bye. You too. Cheers. 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Steve speaking. I'm very well. Thank you. Yeah.\n\nYep. That's all good. Steven Blair. Date of birth, birth of the second nineteen sixty nine. Address, 10 Carol Way, Greenfields Perth, WA.\n\nYeah. We can add a password. Okay. Apollona, APOLONA, my... All lowercase, Blair, BLAIR, M, L3 50.\n\nNo. I use this one quite regularly for a few things, so I'm I'm aware of it. Yep. Sure. Yeah.\n\nYeah. I was I was made redundant in last December. So I'm just doing, like, casual work at the moment until I can find, you know, the right job. Just the one employer at the moment. Evolve Talent.\n\nSo I'm I'm still doing, like, off... My... Or fly in fly out work. So I I generally do, like, maybe eighty four hours a week So, like... So it's it's basically on...\n\nGenerally, it's based on either a week work and a week off or two weeks on, one week off. It just depends on what's available. Yeah. Yes. That's correct.\n\nJust more... It's more mining at the moment. Yep. Yeah. So probably, let's say, anywhere between 80 to a 100 10 maybe on this casual basis.\n\nYes. Yeah. Let's do that. Yeah. They have a little bit.\n\nObviously, because we moved into the new house, and I sold some property. But then the tax man wants a half of that as well. Can't get away from him. No. He doesn't.\n\nYeah. Not really because it's like I said, it's it's hard at the moment because, I mean, well, obviously, mortgage rate rates and expenditures and prices of groceries and stuff, everything's going up. And, of course, I don't know when, obviously, my next paycheck's gonna come in because my company paying me, like, for four days, and then they pay me for three days. And then I might get paid for seven days and then three days again. You know?\n\nSo it's a bit difficult at the moment. Yeah. Pretty much. Well, I was open sold December last year. Obviously, I I didn't work for the first five months of this year.\n\nAnd, obviously, I'm I'm gonna just get back into, like, you know, the roster and everything of of, you know, casual work. So I I will be looking into that. Certainly, once I get a full time job again. Yes. At the moment, no.\n\nAt a later date. Yeah. No. No. Yes.\n\nYes. Which is Kencarole Way. Well, I had it valued last or earlier this year, and they said between 1.4 and 1.5. Just shy of 4... Just shy of 500,000, I'd say.\n\nThere's only... There's less than 5,000 debt on it. Yep. I still have them. Yeah.\n\nOh, no. They dropped. Yeah. They're probably... I'm...\n\nI'll be looking for the worth a thousand $500 or something at the moment. But as long as I keep ahold of them, who knows what might happen to them? Yep. No. No.\n\nNo. No. Yes. AHM. My height is one eighty three centimeters, and my weight is ninety kilo.\n\nNot at the moment. No. That's okay. Yeah. Has to be done.\n\nYep. 80%. Yes. Yes. I got a a small payout for that, which didn't go very far.\n\nIt doesn't. No. So... Well, I mean, I I I did... We...\n\nI did put a lot a lot a lot of my finances into the new build and put a swimming pool in and had all the the the rear of the house done nicely. So at least I invested it in the house, basically. Yep. Still working on that. Just more holidays.\n\nWell, my partner's from The Philippines, and I've never been. So that's one place. I've got a wedding to go to in Thailand next year. So... Yeah.\n\nMhmm. Few places. Yeah. Yeah. Yeah.\n\nI'm okay with that at the moment. Yep. Do you know what? You're gonna... You're you're not gonna believe this one.\n\nBut when I was working on the rigs, I took out income protection. And then, yeah, and then later, Real Insurance told me that it was actually null and void because I work offshore in a dangerous occupation. No. Yeah. I know.\n\nCorrect. Yeah. Yeah. Probably. Yep.\n\nMhmm. Not really soon. But it is something that has been in the back of my mind in the last few months, I will admit. That it... I know it's something I need to get on to.\n\nYep. Yep. That would be fine. Yeah. That would be great.\n\nYes. You did. Oh, it's okay. Yeah. Yes.\n\nCan I just ask you? I thought I put down Evangeline and Erica. Well, as a 100%. Okay. Because I filled a form out that said Evangeline 75% and Erica 25%.\n\nMaybe that was just something else, but I'm pretty sure. So it might have been my sister, actually. I don't know. Yep. She is the same going on 14 in December.\n\nYes. Okay. That's cool. So I don't want anything to happen to me in the next four years then. Yep.\n\nYep. Right. Gotcha. Yeah. That's fine.\n\nYep. Sure. Yep. Correct. Do you know what?\n\nI was thinking probably closer to 70 at the moment. Yeah. Oh, just I I I I don't wanna know what I do when I when I finish work. To be honest, you know, it's it's a bit daunting, to be honest. Like, what are you gonna do?\n\nYou know? That that makes a lot of sense. Yep. Yeah. Rather than just going cold turkey.\n\nYeah. Yep. Yep. More in-depth. Yep.\n\nI kinda figured. Yep. Correct. Yeah. Yep.\n\nSounds good. Yep. I do have access to a printer. Yes. Yeah.\n\nWhy not? That'd be easier. No. It's k. Yep.\n\nIt's the same as Eva Angeline Apollona, a p o l o n a. Oh, Jesus. What do you want me? It's the... Is it...\n\nAnd and do you know what? I'm not sure it's the thirteenth of the twelfth or the twelfth of the twelfth. That's good. Yeah. Excellent.\n\nI do. Yes. Okay. Yep. Is that like...\n\nIs this like a DocuSign? Right. Okay. Oh, alright. Yeah.\n\nI'm here. Hello? Yeah. Yeah. Yeah.\n\nI'm here. Yes. I've got that open. Yep. Yep.\n\nYep. Okay. Yep. Yep. Yeah.\n\nRight. Yep. What would... What's what's in the... I don't know what's recommended here.\n\nYes. Okay. Yeah. Gotcha. So I would probably say sixty days.\n\nYeah. Okay. Well, let's go for the maximum. Yep. When you said decent, you mean high.\n\nYeah. Yeah. Yep. Yes. If you can send me the info info on that, that'd be great.\n\nWell, I'm hoping it'd just be a period of time. Yep. Yep. Yep. Well, that's better than the Magus.\n\nThat's better than the negative. Good. Excellent. Yep. That sounds good to me.\n\nYep. Right. Yep. Yep. Yep.\n\nYep. I understand that. Yep. I'm happy to do that. I'm happy to keep going as we are keeping it in a...\n\nThe the high the high growth. Yeah. Yep. Yes. Got it.\n\nYep. Yep. Uh-huh. Yep. Okay.\n\nSo, basically, that that 2,000 plus dollars covers everything that I need. And for you to... Yeah. Yeah. Excellent.\n\nYep. Lock that in. Yep. Yep. That's cool.\n\nYeah. That would be great. Yeah. Fantastic. No.\n\nBecause you cover everything so beautifully. I mean, honestly, I... Everybody I've dealt with at Oakview has always been, like, on the ball. They know what they're talking about. And I'm just happy to, like, you know, like, as long as it's increasing, then let's just keep going the way we're going.\n\nWell, of course. As long as we're heading in the right direction and going up, then, you know, I've got nothing to complain about. Okay. Yep. Yep.\n\nExcellent stuff. Yeah. And what you just sent to me now, all that paperwork, do I need to sign... You said I don't need to sign anything? Or is is that coming?\n\nYep. That's fine. Yeah. Okay. Excellent.\n\nAll good. Thank you so much. Thank you. Bye. You too.\n\nCheers. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.88,"end":1.28,"sentiment":"neutral","sentiment_score":0.03733737766742706},{"text":"Steve speaking.","start":1.28,"end":2.1,"sentiment":"neutral","sentiment_score":0.032680497504770756},{"text":"I'm very well.","start":8.0,"end":8.72,"sentiment":"positive","sentiment_score":0.60602335135142},{"text":"Thank you.","start":8.72,"end":9.46,"sentiment":"positive","sentiment_score":0.7682056725025177},{"text":"Yeah.","start":18.465,"end":18.625,"sentiment":"neutral","sentiment_score":0.12623366713523865}],"sentiment":"positive","sentiment_score":0.39815704876350033,"num_words":9,"start":0.88,"end":18.625},{"sentences":[{"text":"Yep.","start":18.625,"end":18.865,"sentiment":"neutral","sentiment_score":0.2148250788450241},{"text":"That's all good.","start":18.865,"end":19.765,"sentiment":"positive","sentiment_score":0.5091233253479004},{"text":"Steven Blair.","start":26.785,"end":27.685,"sentiment":"neutral","sentiment_score":0.012470471672713757},{"text":"Date of birth, birth of the second nineteen sixty nine.","start":28.3,"end":31.199999,"sentiment":"neutral","sentiment_score":0.03202997278422117},{"text":"Address, 10 Carol Way, Greenfields Perth, WA.","start":31.5,"end":35.92,"sentiment":"neutral","sentiment_score":0.04995498141007764}],"sentiment":"neutral","sentiment_score":0.10596176504116991,"num_words":23,"start":18.625,"end":35.92},{"sentences":[{"text":"Yeah.","start":50.475,"end":50.795,"sentiment":"neutral","sentiment_score":0.04681079834699631},{"text":"We can add a password.","start":50.795,"end":51.855,"sentiment":"neutral","sentiment_score":0.03876968622207642},{"text":"Okay.","start":55.75,"end":56.25,"sentiment":"neutral","sentiment_score":0.009304839186370373},{"text":"Apollona, APOLONA, my...","start":56.789997,"end":63.85,"sentiment":"neutral","sentiment_score":0.015449088687698046},{"text":"All lowercase, Blair, BLAIR, M, L3 50.","start":65.509995,"end":76.924995,"sentiment":"neutral","sentiment_score":0.008138565745736872}],"sentiment":"neutral","sentiment_score":0.020781252642764765,"num_words":17,"start":50.475,"end":76.924995},{"sentences":[{"text":"No.","start":86.39,"end":86.89,"sentiment":"neutral","sentiment_score":-0.062042705714702606},{"text":"I use this one quite regularly for a few things, so I'm I'm aware of 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correct.","start":206.19,"end":206.93,"sentiment":"neutral","sentiment_score":0.26516222953796387}],"sentiment":"neutral","sentiment_score":0.051942671317474695,"num_words":29,"start":185.55501,"end":206.93},{"sentences":[{"text":"Just more...","start":214.205,"end":214.845,"sentiment":"neutral","sentiment_score":-0.022559499368071556},{"text":"It's more mining at the moment.","start":214.845,"end":216.465,"sentiment":"neutral","sentiment_score":-0.05819221896429857},{"text":"Yep.","start":218.525,"end":219.025,"sentiment":"neutral","sentiment_score":0.08436544984579086},{"text":"Yeah.","start":235.5,"end":236.0,"sentiment":"neutral","sentiment_score":-0.03980761766433716},{"text":"So probably, let's say, anywhere between 80 to a 100 10 maybe on this casual 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stuff, everything's going up.","start":308.215,"end":323.355,"sentiment":"neutral","sentiment_score":-0.15071113116573542},{"text":"And, of course, I don't know when, obviously, my next paycheck's gonna come in because my company paying me, like, for four days, and then they pay me for three days.","start":323.99503,"end":332.73502,"sentiment":"neutral","sentiment_score":-0.043057377360040144},{"text":"And then I might get paid for seven days and then three days again.","start":332.875,"end":336.795,"sentiment":"neutral","sentiment_score":-0.05886735607470785},{"text":"You know?","start":336.795,"end":337.38,"sentiment":"neutral","sentiment_score":-0.03561487793922424}],"sentiment":"neutral","sentiment_score":-0.08871382323559374,"num_words":80,"start":299.335,"end":337.38},{"sentences":[{"text":"So it's a bit difficult at the 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I will be looking into that.","start":386.72498,"end":388.745,"sentiment":"neutral","sentiment_score":-0.010719031561166048},{"text":"Certainly, once I get a full time job again.","start":389.56998,"end":391.75,"sentiment":"neutral","sentiment_score":0.14952347344822353},{"text":"Yes.","start":407.545,"end":408.045,"sentiment":"neutral","sentiment_score":0.07871707528829575},{"text":"At the moment, no.","start":410.345,"end":411.64502,"sentiment":"neutral","sentiment_score":-0.03626931458711624}],"sentiment":"neutral","sentiment_score":0.010305547155439854,"num_words":44,"start":379.125,"end":411.64502},{"sentences":[{"text":"At a later 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me.","start":1772.765,"end":1774.145,"sentiment":"positive","sentiment_score":0.5438025057315826}],"sentiment":"positive","sentiment_score":0.336125089142185,"num_words":13,"start":1724.9701,"end":1774.145},{"sentences":[{"text":"Yep.","start":1799.425,"end":1799.925,"sentiment":"neutral","sentiment_score":0.10995213687419891},{"text":"Right.","start":1807.97,"end":1808.37,"sentiment":"neutral","sentiment_score":0.06598526984453201},{"text":"Yep.","start":1808.37,"end":1808.87,"sentiment":"neutral","sentiment_score":0.0535912811756134},{"text":"Yep.","start":1813.49,"end":1813.99,"sentiment":"neutral","sentiment_score":0.05941063165664673},{"text":"Yep.","start":1826.2749,"end":1826.7749,"sentiment":"neutral","sentiment_score":0.05080622062087059}],"sentiment":"neutral","sentiment_score":0.06794910803437233,"num_words":5,"start":1799.425,"end":1826.7749},{"sentences":[{"text":"Yep.","start":1846.01,"end":1846.25,"sentiment":"neutral","sentiment_score":0.08212839066982269},{"text":"I understand that.","start":1846.25,"end":1847.265,"sentiment":"neutral","sentiment_score":0.10906077921390533},{"text":"Yep.","start":1869.15,"end":1869.63,"sentiment":"neutral","sentiment_score":0.15776614844799042},{"text":"I'm happy to do that.","start":1869.63,"end":1871.01,"sentiment":"positive","sentiment_score":0.46471810936927793},{"text":"I'm happy to keep going as we are keeping it in a...","start":1876.375,"end":1879.815,"sentiment":"neutral","sentiment_score":0.31195715939005214}],"sentiment":"neutral","sentiment_score":0.30155242437666113,"num_words":22,"start":1846.01,"end":1879.815},{"sentences":[{"text":"The the high the high growth.","start":1879.815,"end":1883.655,"sentiment":"neutral","sentiment_score":0.08151760573188464},{"text":"Yeah.","start":1883.655,"end":1884.155,"sentiment":"neutral","sentiment_score":0.1874573528766632},{"text":"Yep.","start":1903.02,"end":1903.52,"sentiment":"neutral","sentiment_score":0.08498407900333405},{"text":"Yes.","start":1925.45,"end":1925.95,"sentiment":"neutral","sentiment_score":0.10117808729410172},{"text":"Got it.","start":1926.33,"end":1927.07,"sentiment":"neutral","sentiment_score":0.10533400997519493}],"sentiment":"neutral","sentiment_score":0.09758119759234515,"num_words":11,"start":1879.815,"end":1927.07},{"sentences":[{"text":"Yep.","start":1958.09,"end":1958.59,"sentiment":"neutral","sentiment_score":0.030571741983294487},{"text":"Yep.","start":1970.785,"end":1971.285,"sentiment":"neutral","sentiment_score":0.04725239798426628},{"text":"Uh-huh.","start":1976.41,"end":1976.91,"sentiment":"neutral","sentiment_score":0.02293043397367001},{"text":"Yep.","start":2001.37,"end":2001.87,"sentiment":"neutral","sentiment_score":0.02817397937178612},{"text":"Okay.","start":2008.49,"end":2008.99,"sentiment":"neutral","sentiment_score":0.033340439200401306}],"sentiment":"neutral","sentiment_score":0.03245379850268364,"num_words":5,"start":1958.09,"end":2008.99},{"sentences":[{"text":"So, basically, that that 2,000 plus dollars covers everything that I need.","start":2010.01,"end":2015.505,"sentiment":"neutral","sentiment_score":0.022975999396294355},{"text":"And for you to...","start":2017.085,"end":2018.3049,"sentiment":"neutral","sentiment_score":0.010476101655513048},{"text":"Yeah.","start":2019.565,"end":2020.065,"sentiment":"neutral","sentiment_score":0.04073867201805115},{"text":"Yeah.","start":2020.605,"end":2020.925,"sentiment":"neutral","sentiment_score":0.07578887045383453},{"text":"Excellent.","start":2020.925,"end":2021.425,"sentiment":"positive","sentiment_score":0.4209720492362976}],"sentiment":"neutral","sentiment_score":0.045006104793987776,"num_words":19,"start":2010.01,"end":2021.425},{"sentences":[{"text":"Yep.","start":2021.885,"end":2022.385,"sentiment":"neutral","sentiment_score":0.2385882139205933},{"text":"Lock that in.","start":2022.765,"end":2023.745,"sentiment":"neutral","sentiment_score":0.14831289649009705},{"text":"Yep.","start":2039.4199,"end":2039.9199,"sentiment":"neutral","sentiment_score":0.0307079553604126},{"text":"Yep.","start":2059.1501,"end":2059.55,"sentiment":"neutral","sentiment_score":0.21189019083976743},{"text":"That's cool.","start":2059.55,"end":2060.37,"sentiment":"positive","sentiment_score":0.4906862825155258}],"sentiment":"neutral","sentiment_score":0.2384372018277645,"num_words":8,"start":2021.885,"end":2060.37},{"sentences":[{"text":"Yeah.","start":2076.0652,"end":2076.3052,"sentiment":"neutral","sentiment_score":0.03429754078388214},{"text":"That would be great.","start":2076.3052,"end":2077.365,"sentiment":"positive","sentiment_score":0.7406651824712753},{"text":"Yeah.","start":2080.865,"end":2081.365,"sentiment":"neutral","sentiment_score":0.10983137786388396},{"text":"Fantastic.","start":2092.6501,"end":2093.1501,"sentiment":"positive","sentiment_score":0.6459548473358154},{"text":"No.","start":2097.585,"end":2097.905,"sentiment":"neutral","sentiment_score":0.16524243354797363}],"sentiment":"positive","sentiment_score":0.48974836617708206,"num_words":8,"start":2076.0652,"end":2097.905},{"sentences":[{"text":"Because you cover everything so beautifully.","start":2097.905,"end":2099.685,"sentiment":"positive","sentiment_score":0.45425159235795337},{"text":"I mean, honestly, I...","start":2103.185,"end":2104.625,"sentiment":"neutral","sentiment_score":0.2116137444972992},{"text":"Everybody I've dealt with at Oakview has always been, like, on the ball.","start":2104.625,"end":2108.145,"sentiment":"neutral","sentiment_score":0.14467854167406374},{"text":"They know what they're talking about.","start":2108.145,"end":2109.585,"sentiment":"neutral","sentiment_score":0.13956964761018753},{"text":"And I'm just happy to, like, you know, like, as long as it's increasing, then let's just keep going the way we're going.","start":2109.585,"end":2115.1,"sentiment":"neutral","sentiment_score":0.3116989919672842}],"sentiment":"neutral","sentiment_score":0.25883231297708476,"num_words":52,"start":2097.905,"end":2115.1},{"sentences":[{"text":"Well, of course.","start":2124.4402,"end":2125.395,"sentiment":"neutral","sentiment_score":-0.01568783602366845},{"text":"As long as we're heading in the right direction and going up, then, you know, I've got nothing to complain about.","start":2128.195,"end":2133.655,"sentiment":"neutral","sentiment_score":0.14434882750113806},{"text":"Okay.","start":2146.62,"end":2147.12,"sentiment":"neutral","sentiment_score":0.05902905389666557},{"text":"Yep.","start":2157.745,"end":2158.245,"sentiment":"neutral","sentiment_score":0.08173368871212006},{"text":"Yep.","start":2158.545,"end":2159.045,"sentiment":"neutral","sentiment_score":0.08069779723882675}],"sentiment":"neutral","sentiment_score":0.11873045960372244,"num_words":27,"start":2124.4402,"end":2159.045},{"sentences":[{"text":"Excellent stuff.","start":2162.89,"end":2168.91,"sentiment":"neutral","sentiment_score":0.17136438935995102},{"text":"Yeah.","start":2174.17,"end":2174.65,"sentiment":"neutral","sentiment_score":0.030178843066096302},{"text":"And what you just sent to me now, all that paperwork, do I need to sign...","start":2174.65,"end":2178.785,"sentiment":"neutral","sentiment_score":0.0024546763743273914},{"text":"You said I don't need to sign anything?","start":2178.785,"end":2180.4849,"sentiment":"neutral","sentiment_score":-0.061076962389051914},{"text":"Or is is that coming?","start":2181.345,"end":2182.645,"sentiment":"neutral","sentiment_score":-0.021453377418220045}],"sentiment":"neutral","sentiment_score":-0.005740629450883716,"num_words":32,"start":2162.89,"end":2182.645},{"sentences":[{"text":"Yep.","start":2187.6648,"end":2188.1648,"sentiment":"neutral","sentiment_score":0.012558994814753532},{"text":"That's fine.","start":2189.345,"end":2190.1648,"sentiment":"neutral","sentiment_score":0.09649069607257843},{"text":"Yeah.","start":2194.47,"end":2194.97,"sentiment":"neutral","sentiment_score":0.020133720710873604},{"text":"Okay.","start":2197.4302,"end":2197.9302,"sentiment":"neutral","sentiment_score":0.08073979616165161},{"text":"Excellent.","start":2201.1902,"end":2201.6902,"sentiment":"positive","sentiment_score":0.8043375015258789}],"sentiment":"neutral","sentiment_score":0.18512523422638574,"num_words":6,"start":2187.6648,"end":2201.6902},{"sentences":[{"text":"All good.","start":2202.23,"end":2202.97,"sentiment":"positive","sentiment_score":0.7997085452079773},{"text":"Thank you so much.","start":2209.085,"end":2210.285,"sentiment":"positive","sentiment_score":0.839134693145752},{"text":"Thank you.","start":2210.285,"end":2211.025,"sentiment":"positive","sentiment_score":0.7813479602336884},{"text":"Bye.","start":2212.525,"end":2213.025,"sentiment":"positive","sentiment_score":0.474470317363739},{"text":"You too.","start":2213.405,"end":2213.9648,"sentiment":"positive","sentiment_score":0.44001026451587677}],"sentiment":"positive","sentiment_score":0.7157402390783484,"num_words":11,"start":2202.23,"end":2213.9648},{"sentences":[{"text":"Cheers.","start":2213.9648,"end":2214.365,"sentiment":"positive","sentiment_score":0.5645753145217896},{"text":"Bye.","start":2214.365,"end":2214.865,"sentiment":"neutral","sentiment_score":0.2796120345592499}],"sentiment":"positive","sentiment_score":0.4220936745405197,"num_words":2,"start":2213.9648,"end":2214.865}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Steve speaking.\n\nChannel 0: Hi, Steve. This is Jenna phoning from Oakview Financial. How are you today?\n\nChannel 1: I'm very well. Thank you.\n\nChannel 0: That's good. Just before I go any further, I do need to let you know that our calls are recorded for quality and coaching purposes. Is that okay?\n\nChannel 1: Yeah. Yep. That's all good.\n\nChannel 0: Lovely. And can I please ask you to confirm your full name, date of birth, and address, please?\n\nChannel 1: Steven Blair. Date of birth, birth of the second nineteen sixty nine. Address, 10 Carol Way, Greenfields Perth, WA.\n\nChannel 0: Thank you so much for confirming that. I appreciate it. Would you like me to add a password to your file so you don't have to do the three points each time, or would you prefer to do the three points?\n\nChannel 1: Yeah. We can add a password.\n\nChannel 0: Okay. What would you like to... Your password to be?\n\nChannel 1: Okay. Apollona, APOLONA,\n\nChannel 0: Yes. And did\n\nChannel 1: my...\n\nChannel 0: you wanna... Yep.\n\nChannel 1: All lowercase,\n\nChannel 0: Yes.\n\nChannel 1: Blair, BLAIR,\n\nChannel 0: Yes.\n\nChannel 1: M,\n\nChannel 0: Yep.\n\nChannel 1: L3\n\nChannel 0: Yep.\n\nChannel 1: 50.\n\nChannel 0: 350. Did you want me to put a prompt there and get a prompt for you to... A reminder in case you forget it?\n\nChannel 1: No. I use this one quite regularly\n\nChannel 0: Okay.\n\nChannel 1: for a few\n\nChannel 0: Fantastic.\n\nChannel 1: things, so I'm I'm aware of it.\n\nChannel 0: Okay. Fantastic. Alright. I've updated that for you. The purpose of my call today is we've got out in your review scheduled.\n\nDo you have time to still complete that\n\nChannel 1: Yep. Sure.\n\nChannel 0: now? Wonderful. Before we get into the nuts and bolts of it, I'd probably... I'd like to just start by asking, has anything significantly changed for you personally or financially in the last twelve months that\n\nChannel 1: Yeah.\n\nChannel 0: yeah? Okay.\n\nChannel 1: Yeah. I was I was made redundant in last December.\n\nChannel 0: Okay.\n\nChannel 1: So I'm just doing, like, casual work at the moment\n\nChannel 0: Yes. Okay.\n\nChannel 1: until I can find, you know, the right job.\n\nChannel 0: Okay. Okay. So with that and the casual work, is it can... Is it the one employer that you're doing casual work for, or is it a few?\n\nChannel 1: Just the one employer at the moment.\n\nChannel 0: Okay. And what's their name?\n\nChannel 1: Evolve Talent.\n\nChannel 0: Okay. And is it part time... Oh, no. You said it's casual. How many hours do you do roughly per week?\n\nChannel 1: So I'm I'm still doing, like, off... My... Or fly in fly out work. So\n\nChannel 0: Okay.\n\nChannel 1: I I generally do, like,\n\nChannel 0: Yep.\n\nChannel 1: maybe eighty four hours a week So, like... So it's it's basically on... Generally, it's based on either a week work and a week off or two weeks on, one week off. It just depends on what's available.\n\nChannel 0: Okay. Varies depending on roster.\n\nChannel 1: Yeah.\n\nChannel 0: That's absolutely fine. So still still a shift?\n\nChannel 1: Yes. That's correct.\n\nChannel 0: Yeah. And is it still the FIFO work... Is it still on the rigs, or is it mining or oil and gas?\n\nChannel 1: Just more... It's more mining at the moment.\n\nChannel 0: Yeah. Okay.\n\nChannel 1: Yep.\n\nChannel 0: And I'm just making some notes to update all this. Okay. And what do you estimate your income to be annually at the moment? I know that's a bit hard to...\n\nChannel 1: Yeah.\n\nChannel 0: Given it's casual.\n\nChannel 1: So probably, let's say, anywhere between 80 to a 100 10 maybe on this\n\nChannel 0: Okay.\n\nChannel 1: casual basis.\n\nChannel 0: Yep. Is that plus super?\n\nChannel 1: Yes.\n\nChannel 0: Okay. Should we average it out anywhere between 80 to a 110\n\nChannel 1: Yeah. Let's\n\nChannel 0: or\n\nChannel 1: do that.\n\nChannel 0: just, like... Yeah? Okay. I'll do that in a little bit. And savings wise, we had...\n\nYou weren't doing any savings last time, and your expenses, we didn't have a figure. Do you have any idea... Have any of those changed? Or...\n\nChannel 1: Yeah. They have a little bit. Obviously, because\n\nChannel 0: Mhmm.\n\nChannel 1: we moved into the new house, and I\n\nChannel 0: Yep.\n\nChannel 1: sold some property. But\n\nChannel 0: Yes.\n\nChannel 1: then the tax man wants a half of that as well.\n\nChannel 0: Doesn't\n\nChannel 1: Can't\n\nChannel 0: miss you.\n\nChannel 1: get away from him. No. He doesn't.\n\nChannel 0: No.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. So are you are you able to do any savings per week at the moment that you're doing?\n\nChannel 1: Not really because it's like I\n\nChannel 0: No?\n\nChannel 1: said, it's it's hard at the moment because, I mean, well, obviously, mortgage rate rates and expenditures and prices of groceries and stuff, everything's\n\nChannel 0: Yeah.\n\nChannel 1: going up. And, of course, I don't know when, obviously, my next paycheck's gonna come in because\n\nChannel 0: Yep.\n\nChannel 1: my\n\nChannel 0: Yep.\n\nChannel 1: company paying me, like, for four days, and then they pay me for three days. And then I might get paid for seven days and then three days again. You know? So\n\nChannel 0: Yeah. Of\n\nChannel 1: it's\n\nChannel 0: course.\n\nChannel 1: a bit difficult at the moment.\n\nChannel 0: Yes. I understand. Okay. So, well, then expenses wise, is is it still that basically everything coming in is just getting spent for expenses\n\nChannel 1: Yeah. Pretty much.\n\nChannel 0: expenses? Yep. Okay. Do you make any additional contributions to super?\n\nChannel 1: Well, I was\n\nChannel 0: Yep.\n\nChannel 1: open sold December last\n\nChannel 0: You\n\nChannel 1: year.\n\nChannel 0: still up\n\nChannel 1: Obviously,\n\nChannel 0: there? Yep.\n\nChannel 1: I I didn't work for the first five months of this year. And, obviously,\n\nChannel 0: Yep.\n\nChannel 1: I'm I'm gonna just get back into, like, you know, the roster and everything of of,\n\nChannel 0: Yeah.\n\nChannel 1: you know, casual work. So I I will be looking into that. Certainly, once I get a full time job again.\n\nChannel 0: You can do it at any time you you want. It's more probably to consider with your expenses whether it's affordable or not. So it's up to you when you start it. You don't have to be full time to add extra money to your super. It's more\n\nChannel 1: Yes.\n\nChannel 0: is it affordable?\n\nChannel 1: At the moment, no.\n\nChannel 0: Yep. That's absolutely fine. We can revisit that when\n\nChannel 1: At\n\nChannel 0: the time\n\nChannel 1: a later\n\nChannel 0: comes.\n\nChannel 1: date. Yeah.\n\nChannel 0: Yeah. Yep. So do you have an EBA with your... With Evolve Talent?\n\nChannel 1: No.\n\nChannel 0: No?\n\nChannel 1: No.\n\nChannel 0: Alright. So you said you sold property. Was that the investment property that you sold?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. So you still have your principal residence?\n\nChannel 1: Yes. Which is Kencarole Way.\n\nChannel 0: Yeah. How much do you think that's valued at?\n\nChannel 1: Well, I had it valued last or earlier this year,\n\nChannel 0: Yep.\n\nChannel 1: and they said between 1.4 and 1.5.\n\nChannel 0: Okay. And what's the debt on that?\n\nChannel 1: Just shy of 4... Just shy of 500,000, I'd say.\n\nChannel 0: Okay. Fantastic. And then with your other assets, we had a car noted here for 40,000 value with 14,000 debt. Is that still there?\n\nChannel 1: There's only... There's less than 5,000 debt on it.\n\nChannel 0: Okay. That's lovely because I know that was one of your goals to get that paid down, so that's fantastic.\n\nChannel 1: Yep.\n\nChannel 0: And we had some shares, oil and gas for 4,500. Do you still have those?\n\nChannel 1: I still have them. Yeah.\n\nChannel 0: Yeah. Are they still valued around the same amount?\n\nChannel 1: Oh, no. They dropped.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. They're probably... I'm... I'll be looking for the worth a thousand $500 or something at the moment.\n\nChannel 0: Oh, okay.\n\nChannel 1: But as long as I keep ahold of them, who knows what might happen to them?\n\nChannel 0: That's right. Okay. Beautiful. Alright. Just a couple of financial and lifestyle questions.\n\nHave\n\nChannel 1: Yep.\n\nChannel 0: you ever been declared bankrupt or had a debt agreement?\n\nChannel 1: No.\n\nChannel 0: No. Are you a smoker?\n\nChannel 1: No.\n\nChannel 0: No. Do you have any significant health issues or injuries?\n\nChannel 1: No.\n\nChannel 0: No. Do you take any medication?\n\nChannel 1: No.\n\nChannel 0: Do you have private health?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Oh, who's that with?\n\nChannel 1: AHM.\n\nChannel 0: A h m. And... Okay. Do you know what your height and weight is?\n\nChannel 1: My height is one eighty three centimeters, and my\n\nChannel 0: Yeah.\n\nChannel 1: weight is ninety kilo.\n\nChannel 0: Fantastic. And do you have any wills or powers of attorney in place?\n\nChannel 1: Not at the moment. No.\n\nChannel 0: No. Okay. Lovely. That's the the bulk of my invasive question, so I apologize about that.\n\nChannel 1: That's okay. Yeah. Has to be done.\n\nChannel 0: That's alright. What I'm gonna do is just circle back to the goals and objectives that we had on... We have on file for you to see if they're still current and update any new ones. So the one that we have is your main goal for the last twelve months was to focus on your health. You'd recently broken your leg at work,\n\nChannel 1: Yep.\n\nChannel 0: and they were covering 90% of your income.\n\nChannel 1: 80%.\n\nChannel 0: So has\n\nChannel 1: Yes.\n\nChannel 0: oh, 80%. So has that all been finalized now?\n\nChannel 1: Yes. I got a a small payout for that, which\n\nChannel 0: Yeah.\n\nChannel 1: didn't go\n\nChannel 0: Okay.\n\nChannel 1: very far.\n\nChannel 0: No. It doesn't seem to, does it,\n\nChannel 1: It doesn't.\n\nChannel 0: these days?\n\nChannel 1: No. So... Well, I mean,\n\nChannel 0: No.\n\nChannel 1: I I I did... We... I did put a lot a lot a lot of my finances into the new build and put\n\nChannel 0: Yes.\n\nChannel 1: a swimming pool in and had all the the the rear of the house done nicely. So at least I invested it in the house, basically.\n\nChannel 0: Yeah. Yep. No. That's that's good. Alright.\n\nWith... We had one here as well that you wanted to focus as... Focus on saving as much as possible and pay down the car. So you're still working on paying down the car?\n\nChannel 1: Yep. Still working on that.\n\nChannel 0: Okay. Okay. Anything new that you can think of that is a new goal for... That you wanna work towards?\n\nChannel 1: Just more holidays.\n\nChannel 0: Yeah. I understand. Where would you like to go?\n\nChannel 1: Well, my partner's from The Philippines, and I've never been.\n\nChannel 0: Yes. Okay.\n\nChannel 1: So\n\nChannel 0: Yep.\n\nChannel 1: that's one place. I've got a wedding to go to in Thailand next year. So... Yeah. Mhmm.\n\nFew places.\n\nChannel 0: Okay. Lovely. That's lovely. Holidays and travel are super important, I think, in my own personal opinion. With your insurances, you're currently insured for a small amount of life and PPD.\n\nAre you happy with those levels of cover? It's currently sitting at about 177,000. Do you think that would meet your your needs of having life and TPD insurance?\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I'm okay with that at the moment.\n\nChannel 0: Yeah. What about\n\nChannel 1: Yep.\n\nChannel 0: income protection? You don't have any income protection. And where\n\nChannel 1: Do\n\nChannel 0: that\n\nChannel 1: you know\n\nChannel 0: probably...\n\nChannel 1: what?\n\nChannel 0: Yep.\n\nChannel 1: You're gonna... You're you're not gonna believe this one. But when I was\n\nChannel 0: Yeah.\n\nChannel 1: working on the rigs, I took out income protection.\n\nChannel 0: Oh, did\n\nChannel 1: And\n\nChannel 0: you?\n\nChannel 1: then, yeah, and then later, Real Insurance told me that it was actually null and void because I work offshore in a dangerous occupation.\n\nChannel 0: So it wasn't specifically underwritten, so to say. That's\n\nChannel 1: No. Yeah.\n\nChannel 0: that's frustrating.\n\nChannel 1: I know.\n\nChannel 0: Is that... Yeah. Because that that would have probably come in pretty handy when you had hurt yourself as well.\n\nChannel 1: Correct. Yeah.\n\nChannel 0: Yeah. Okay. Is that something you wanna look at now?\n\nChannel 1: Yeah. Probably.\n\nChannel 0: Yeah?\n\nChannel 1: Yep.\n\nChannel 0: Okay. So if we were to look at that, there's a number of different factors which I'll go through with you shortly about that to kinda get a gauge of what you're thinking\n\nChannel 1: Mhmm.\n\nChannel 0: to work towards that. With estate planning, are you planning on doing a will or power of attorney anytime soon?\n\nChannel 1: Not really soon. But it is something that has been in the back of my mind in the last few months, I will admit.\n\nChannel 0: No. Yep.\n\nChannel 1: That it... I know it's something I need to get on to.\n\nChannel 0: Okay. The reason I ask is we do have a professional partner that we work work... Or works alongside\n\nChannel 1: Yep.\n\nChannel 0: us with our clients. It is quite affordable compared to what I've seen in my years in the industry. I have a\n\nChannel 1: Yep.\n\nChannel 0: brochure. Would you like me to send the brochure to you\n\nChannel 1: That\n\nChannel 0: for\n\nChannel 1: would\n\nChannel 0: you to have\n\nChannel 1: be\n\nChannel 0: a look?\n\nChannel 1: fine. Yeah. That would be great.\n\nChannel 0: Yeah. Perfect. I can get that some post down meeting. And then from a beneficiary point of view for your life insurance and your super, we've got Evangeline. Did I say that right?\n\nChannel 1: Yes. You did.\n\nChannel 0: Oh, great. I'd I'd I'd dread saying it the wrong way.\n\nChannel 1: Oh, it's okay. Yeah.\n\nChannel 0: Nominated as your beneficiary. Is that still current?\n\nChannel 1: Yes.\n\nChannel 0: Lovely. Okay. With\n\nChannel 1: Can\n\nChannel 0: your...\n\nChannel 1: I just ask you?\n\nChannel 0: Yeah.\n\nChannel 1: I thought I put down Evangeline and Erica.\n\nChannel 0: No. You've only got Evangeline down as a 100%.\n\nChannel 1: Well, as a 100%. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Because I filled a form out that said Evangeline 75% and Erica 25%.\n\nChannel 0: Okay.\n\nChannel 1: Maybe that was just something else,\n\nChannel 0: Let\n\nChannel 1: but\n\nChannel 0: let\n\nChannel 1: I'm\n\nChannel 0: me\n\nChannel 1: pretty\n\nChannel 0: have\n\nChannel 1: sure.\n\nChannel 0: a look.\n\nChannel 1: So it might have been my sister, actually. I don't know.\n\nChannel 0: Okay. Let me look into that. Can I ask a question? How old\n\nChannel 1: Yep.\n\nChannel 0: is Erica?\n\nChannel 1: She is the same going on 14 in December.\n\nChannel 0: That's fine. The reason why I asked that is when we have adult children, so children over the age of 18, any superannuation or insurance benefits paid to a child over the age of 18 under super law is considered a nonfinancial dependent and they're taxed. So that's why... So Erica would not be taxed, but that's why I'd asked that question as to how old she is.\n\nChannel 1: Yes. Okay. That's cool.\n\nChannel 0: Okay.\n\nChannel 1: So\n\nChannel 0: Let\n\nChannel 1: I\n\nChannel 0: me\n\nChannel 1: don't\n\nChannel 0: double\n\nChannel 1: want anything\n\nChannel 0: check.\n\nChannel 1: to happen to me in the next four years then.\n\nChannel 0: Yeah. There's a way... What would happen then is we would look at having Evangeline nominated because she's your spouse, partner, de facto.\n\nChannel 1: Yep.\n\nChannel 0: She would receive the funds tax free because she's considered a financial dependent. So...\n\nChannel 1: Yep.\n\nChannel 0: And then alternative to that is we can direct it through your will, which will still pay tax, but it's a little bit less than to an adult child.\n\nChannel 1: Right. Gotcha. Yeah. That's\n\nChannel 0: So\n\nChannel 1: fine.\n\nChannel 0: we can just... We'll just keep revisiting that, especially as Erica reaches age 18.\n\nChannel 1: Yep. Sure.\n\nChannel 0: Okay. Now I have a question for you.\n\nChannel 1: Yep.\n\nChannel 0: You are 57 years old.\n\nChannel 1: Correct.\n\nChannel 0: What are you thinking about retirement?\n\nChannel 1: Do you know what? I was thinking probably closer to 70 at the moment.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Why is that?\n\nChannel 1: Oh, just I I I I don't wanna know what I do when I when I finish work.\n\nChannel 0: Yeah.\n\nChannel 1: To\n\nChannel 0: Okay.\n\nChannel 1: be honest,\n\nChannel 0: Yeah.\n\nChannel 1: you know, it's it's a bit daunting, to be\n\nChannel 0: That's\n\nChannel 1: honest. Like, what are you gonna do? You know?\n\nChannel 0: that's a very common common question and something that's brought up. And across my time, it's it's something that's very consistent. What I always tend to say is there's a financial preparation side and then there's a mental preparation side. It\n\nChannel 1: That\n\nChannel 0: comes...\n\nChannel 1: that\n\nChannel 0: There's\n\nChannel 1: makes\n\nChannel 0: two\n\nChannel 1: a lot of\n\nChannel 0: parts.\n\nChannel 1: sense.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: So the mental preparation side is kind of gearing up, finding hobbies, finding the things you like to do. Maybe it's a slow transition to retirement where you reduce work for a period of time rather than\n\nChannel 1: Yeah.\n\nChannel 0: a full a full\n\nChannel 1: Rather than just\n\nChannel 0: blanket\n\nChannel 1: going cold turkey.\n\nChannel 0: stop. Exactly. So what I'm going to\n\nChannel 1: Yeah.\n\nChannel 0: flag with you is to have a think about what retirement looks like for you.\n\nChannel 1: Yep.\n\nChannel 0: You don't have to answer me today. This is something that we will continue to discuss at our ongoing reviews,\n\nChannel 1: Yep.\n\nChannel 0: but it is it is something that we've, you know, being 57, you're actually legally able to access your super in about three years. So we will... We're gonna start having those discussions a little bit in a little bit more\n\nChannel 1: More in-depth.\n\nChannel 0: detail.\n\nChannel 1: Yep.\n\nChannel 0: Yes.\n\nChannel 1: I kinda figured.\n\nChannel 0: So with that, we can help plan for that when that comes. So your thought... Your... Just to reiterate, I'll probably phrase back to you. Your thoughts on retirement at the moment is 70 because you're not sure what you would do, and you're gonna have to think about it.\n\nChannel 1: Yep. Correct. Yeah.\n\nChannel 0: Beautiful. That is absolutely fine. We can... I can work with that, and we will go from there. And we'll just continue that discussion.\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Lovely. I'm gonna look into that beneficiary nomination for you about the form. And then what I'm going to do is if we need an updated one, I'm gonna send you a new one.\n\nChannel 1: Yep.\n\nChannel 0: If that's the case, do you have access to a printer, or would you like me to post it?\n\nChannel 1: I do have access to a printer. Yes.\n\nChannel 0: Okay. So I can print that and send it to you. Would you like me to prefill it for you?\n\nChannel 1: Yeah. Why not? That'd be\n\nChannel 0: Okay.\n\nChannel 1: easier.\n\nChannel 0: So I've got Evangeline's details. Erica's, is it e r I c a?\n\nChannel 1: No. It's k.\n\nChannel 0: E r I k a? And\n\nChannel 1: Yep.\n\nChannel 0: and surname?\n\nChannel 1: It's the same as Eva Angeline Apollona, a p o l o n a.\n\nChannel 0: Yep. Okay. And date of birth for Erica?\n\nChannel 1: Oh, Jesus. What do you want me? It's\n\nChannel 0: I\n\nChannel 1: the...\n\nChannel 0: can...\n\nChannel 1: Is it... And and do you know what? I'm not sure it's the thirteenth of the twelfth or the twelfth of the twelfth.\n\nChannel 0: What I'll do is I'll leave that bit blank because we can't have the wrong date in there. So I'll\n\nChannel 1: That's\n\nChannel 0: leave that\n\nChannel 1: good.\n\nChannel 0: bit blank for you to send... For you to complete.\n\nChannel 1: Yeah. Excellent.\n\nChannel 0: Alright. Lovely. Alright. I... Do you have access to your emails at the moment?\n\nChannel 1: I do. Yes.\n\nChannel 0: You're gonna get an email from me. It\n\nChannel 1: Okay.\n\nChannel 0: will come through as Odoo sign or Jenna. And when you receive that, there's a... When you open it, there's a box that says click here to sign or sign here.\n\nChannel 1: Yep.\n\nChannel 0: What I\n\nChannel 1: Is\n\nChannel 0: will\n\nChannel 1: that\n\nChannel 0: ask\n\nChannel 1: like... Is\n\nChannel 0: you\n\nChannel 1: this\n\nChannel 0: to\n\nChannel 1: like\n\nChannel 0: do...\n\nChannel 1: a DocuSign?\n\nChannel 0: It is, but you're not signing anything at the moment.\n\nChannel 1: Right.\n\nChannel 0: No. I'm just gonna talk you through our review pack. And at the end, if you're happy with the fees and what needs signing, then then you'll sign it. But you're not signing anything at the moment.\n\nChannel 1: Okay.\n\nChannel 0: Okay. So you just let me know when you got those documents open.\n\nChannel 1: Oh, alright.\n\nChannel 0: Have you got those open?\n\nChannel 1: Yeah. I'm here.\n\nChannel 0: Yep. Yep.\n\nChannel 1: Hello?\n\nChannel 0: Hello? Yeah. You there?\n\nChannel 1: Yeah. Yeah. Yeah. I'm here. Yes.\n\nChannel 0: Yeah. And you got\n\nChannel 1: I've\n\nChannel 0: those\n\nChannel 1: got that\n\nChannel 0: documents?\n\nChannel 1: open.\n\nChannel 0: Fantastic. So the first document you should see is a summary of your super and insurance. So all this is is a is a brief outline of what we're gonna run through through the the form... The review. Sorry.\n\nSo your\n\nChannel 1: Yep.\n\nChannel 0: superannuation is currently with Netwealth with a balance of approximately $201,213.\n\nChannel 1: Yep.\n\nChannel 0: And your... You have the life and TPD insurance, which we spoke about before, being insured at a $176,956, and that's costing you $3,583 per annum, which gets deducted from your superannuation\n\nChannel 1: Yep.\n\nChannel 0: fund. Okay. With the income protection\n\nChannel 1: Okay.\n\nChannel 0: side of things, which is what we're talking about earlier, you can ensure up to 70% of your taxable income. So for me to be able to look at that and make some recommendations, probably\n\nChannel 1: Yep.\n\nChannel 0: need a few payslips to have a look at to try and average out an income as well as maybe last financial year's tax return. That will help me make sure that you're not over insured or under insured. Because if you do claim, you can only claim up to 70% of your taxable income. So that helps me make sure that you're insured for the right amount.\n\nChannel 1: Yep.\n\nChannel 0: And then with income protection, there's two elements. There's what we call a waiting period, which is similar to... If you think of it like an excess, it's the number of days you need to wait until you're eligible to be paid. So they vary from thirty days to sixty days to ninety days and so on.\n\nChannel 1: Yeah.\n\nChannel 0: And and then there's what we call a benefit period. So depending on the severity of your injury or illness, it's the maximum amount of time you can be paid per injury or illness, and they vary from two years to five years to age 65.\n\nChannel 1: Right. Yep.\n\nChannel 0: So based on that, a waiting period, are you thinking of... What sort of waiting period would you need?\n\nChannel 1: What would... What's what's in the... I don't know what's recommended here.\n\nChannel 0: Yeah. So it's basically... In thinking of that, how... Do you have any savings, redraw, or anything like that that you can rely on for at least thirty days or sixty\n\nChannel 1: Yes.\n\nChannel 0: or ninety days to\n\nChannel 1: Okay.\n\nChannel 0: supplement your income until you're able to lodge a claim and be paid.\n\nChannel 1: Yeah. Gotcha. So I would probably say sixty days.\n\nChannel 0: Sixty days. And then a benefit period is the maximum amount of time you can be paid. So that's two years or five years or to age 65, noting that an income protection policy is gonna cancel out about age 65 or 70 depending on the insurer.\n\nChannel 1: Yeah. Okay. Well, let's go for the maximum.\n\nChannel 0: Yep. Okay. So the... So with income protection, you can pay for it through your superannuation fund or your personal cash flow. Your personal cash flow means it will be tax deductible to you.\n\nChannel 1: Yep.\n\nChannel 0: I am gonna warn you, the premiums are gonna be decent based on your age and occupation. So\n\nChannel 1: When you\n\nChannel 0: I'm...\n\nChannel 1: said decent, you mean high.\n\nChannel 0: Yes. But it's still worth probably having a look to see... So you're... You can make an informed decision.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yes. Okay. And then there's a different type of insurance called trauma insurance. So it covers you for a lump sum should you be diagnosed with a critical illness, and that can range from cancer, stroke, heart attack to a neurological disease. And that\n\nChannel 1: Yep.\n\nChannel 0: that premium is paid for out of your personal cash flow. Is that something you wanna look at as well?\n\nChannel 1: Yes. If you can send me the info info on that, that'd be great.\n\nChannel 0: Yep. I can certainly do that. If you were to be... Suffer one of those events, would you would you need funds available to help cover medical expenses, or would it be more just to cover a period of time for you to get back on your feet and get back to\n\nChannel 1: Well,\n\nChannel 0: work?\n\nChannel 1: I'm\n\nChannel 0: Because...\n\nChannel 1: hoping it'd just be a period of time.\n\nChannel 0: Yeah. Yep. Okay. Fantastic. I can work some figures on that.\n\nLovely. The next document is your performance report.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So what that is is it's the overall performance for the last twelve months with Netwealth. So earlier in the year, you received the document to move out of the Benelong Australian equities fund due to underperformance and replace that with the BetaShares Australian 200 ETF. So we got that done.\n\nChannel 1: Yep.\n\nChannel 0: It still has... It still had an impact on your overall portfolio for the twelve months because Bennelong was in there for more than the six month period. So your overall net performance, so less costs, etcetera, was negative 0.49%. So you had a negative year. What I've gone and done is I've...\n\nNow that Bennelong has been out of it, I've done a six month return since Bennelong has been removed, and\n\nChannel 1: Yep.\n\nChannel 0: your your return for the last six months is now sitting at 12.41%.\n\nChannel 1: Well, that's better than\n\nChannel 0: So...\n\nChannel 1: the Magus.\n\nChannel 0: Sorry?\n\nChannel 1: That's better than the negative.\n\nChannel 0: Yeah. That's a 100% right. But the the benefit of replace... Replacing that Bennelong fund has played out the way that we wanted it and intended it to. So it is...\n\nThe portfolio is performing much, much better now.\n\nChannel 1: Good. Excellent.\n\nChannel 0: With relation to your other investments within the portfolio, there's no flags there that we see that need any further investigation. The portfolio is performing well, running as we would expect it to. So for the time being, I find I'm I'm quite happy with the way your portfolio is structured.\n\nChannel 1: Yep. That sounds good to me.\n\nChannel 0: Beautiful. The next document is a Vanguard index chart. What that is is a nice little educational piece that I like to talk about in line with your risk profile. So your risk profile is what you're currently invested as. So you'll see down the right hand side of the page, you've got US shares, estranged shares, international shares, and property.\n\nChannel 1: Yep.\n\nChannel 0: And all the squiggly lines that go along with that that show the market volatility of how those sectors behave.\n\nChannel 1: Right. Yep.\n\nChannel 0: Below that, you've got... And those those are called your growth assets. Below that,\n\nChannel 1: Yep.\n\nChannel 0: you've got a strain bonds and cash, and they're your defensive assets. So over the long term, we see a little bit of growth, but they they predominantly produce income. And they're the\n\nChannel 1: Yep.\n\nChannel 0: the less aggressive part of your portfolio. So the way you're invested now is as a high growth investor, and how that is invested is we see about 90% of your superannuation allocated to the top four investments up there, those very volatile ones,\n\nChannel 1: Yep.\n\nChannel 0: and\n\nChannel 1: I understand\n\nChannel 0: 10 percent,\n\nChannel 1: that.\n\nChannel 0: yep, and 10% to your defensive. Now that's why I asked the question about retirement earlier. With with retirement approaching, if you're realistically looking at the age of 70, you do have time on your hands to maintain this high gross allocation\n\nChannel 1: Yep.\n\nChannel 0: Because\n\nChannel 1: I'm\n\nChannel 0: we\n\nChannel 1: happy\n\nChannel 0: we\n\nChannel 1: to do\n\nChannel 0: do...\n\nChannel 1: that.\n\nChannel 0: Yeah? Did you want me to explain any further or you're just happy to do that?\n\nChannel 1: I'm happy to keep going as we are keeping it in a... The the high\n\nChannel 0: High growth.\n\nChannel 1: the high growth. Yeah.\n\nChannel 0: Absolutely. Alright. No worries at all. The next document is your insurance certificate of currency. So that is just showing you that your life and TPD cover that we talked about earlier is in place and in it...\n\nIs in force.\n\nChannel 1: Yep.\n\nChannel 0: The following document is our financial services guide. So that document explains to you who we are, who we're licensed through... That we're licensed through ASIC. It explains our fees, the advice we provide, how we provide it, and the complaints process.\n\nChannel 1: Yes. Got it.\n\nChannel 0: The next document is your annual fee consent renewal. So based on... What what we do is that it's a it's a percent based fee. So being 1.1% of your balance up to 600,000, but rather than it being variable and percent based each month, it's now fixed at a dollar value. So it's calculated at 1.1%, but then we fix it for the next twelve months.\n\nSo for the next\n\nChannel 1: Yep.\n\nChannel 0: twelve months, it'll be at $184.45 per month, which equates to $2,213.40 a year.\n\nChannel 1: Yep.\n\nChannel 0: So that covers your new... Your reviews that, like, we're conducting now.\n\nChannel 1: Uh-huh.\n\nChannel 0: It it covers the changes that we're gonna make, the additional insurance recommendations, anything that we need to... Well, not the insurance recommendation. Sorry. But if there was some investment options that I was gonna make a recommendation to tailor if you needed superannuation contribution advice. So say in six\n\nChannel 1: Yep.\n\nChannel 0: months' time, you decide that you wanna start making contributions again, give us a call. Your fee covers all that.\n\nChannel 1: Okay.\n\nChannel 0: So you're not\n\nChannel 1: So,\n\nChannel 0: just\n\nChannel 1: basically,\n\nChannel 0: limited to your...\n\nChannel 1: that that 2,000 plus dollars covers everything that I need.\n\nChannel 0: In relation\n\nChannel 1: And for\n\nChannel 0: to\n\nChannel 1: you\n\nChannel 0: your\n\nChannel 1: to...\n\nChannel 0: superannuation and retirement.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Excellent. Yep.\n\nChannel 0: Beautiful.\n\nChannel 1: Lock that in.\n\nChannel 0: So that fee needs to be... That form needs to be signed. And then the last form is the tax file number form. So it's just acknowledging and you giving us authority, basically, to hold your tax file number on file. The\n\nChannel 1: Yep.\n\nChannel 0: reason why we have it is because when we set up your superannuation fund, we needed to supply it to ensure that you weren't getting taxed as a person that wasn't as an Australian resident. So that's why we have that. So by you signing that, you just acknowledge that we're holding that on file for you.\n\nChannel 1: Yep. That's cool.\n\nChannel 0: Lovely. So with the insurances, did you want me to give you some indicative prices via email before we go looking at a full recommendation so you can have a look at\n\nChannel 1: Yeah. That would be great.\n\nChannel 0: yeah. And then we can go from there.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. And then after that... And with that, I'll send you through that estate planning brochure for you to have a look at.\n\nChannel 1: Fantastic.\n\nChannel 0: Do you have any questions for me, Steve?\n\nChannel 1: No. Because you cover everything so beautifully.\n\nChannel 0: Oh, thank you. That's lovely.\n\nChannel 1: I mean, honestly, I... Everybody I've dealt with at Oakview has always been, like, on the ball. They know what they're talking about. And I'm just happy to, like, you know, like, as long as it's increasing, then let's just keep going the way we're going.\n\nChannel 0: Yeah. That's good. That's good. I can't promise it's gonna increase every year. We we are gonna have badges like the one that we've just had a negative return, but as\n\nChannel 1: Well,\n\nChannel 0: long\n\nChannel 1: of\n\nChannel 0: as we're\n\nChannel 1: course.\n\nChannel 0: as long as we're still... We're we're hitting\n\nChannel 1: As\n\nChannel 0: the\n\nChannel 1: long\n\nChannel 0: mark\n\nChannel 1: as we're heading\n\nChannel 0: and...\n\nChannel 1: in the right direction and going up, then,\n\nChannel 0: That's\n\nChannel 1: you know,\n\nChannel 0: right.\n\nChannel 1: I've got nothing to complain about.\n\nChannel 0: That's right. And next time we speak, I'm gonna be a little bit more, at your next review, a little bit more, probing in relation to retirement planning, so be prepared.\n\nChannel 1: Okay.\n\nChannel 0: Alright. Well, I'll send you through an email possibly tomorrow. I'll send it all at once. It'll just take me a little bit to get those insurance figures together.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So probably tomorrow, I'll send that through for you to have\n\nChannel 1: Excellent\n\nChannel 0: a review, and then you can let me know what you wanna do with the insurances.\n\nChannel 1: stuff.\n\nChannel 0: And I'll also make sure that that beneficiary nomination sent through also.\n\nChannel 1: Yeah. And what you just sent to me now, all that paperwork, do I need to sign... You said I don't need to sign anything? Or\n\nChannel 0: Yeah.\n\nChannel 1: is\n\nChannel 0: You'd\n\nChannel 1: is that\n\nChannel 0: need\n\nChannel 1: coming?\n\nChannel 0: to... Yeah. You do need to sign those last two forms. So the fee form and\n\nChannel 1: Yep.\n\nChannel 0: the the tax\n\nChannel 1: That's\n\nChannel 0: file\n\nChannel 1: fine.\n\nChannel 0: number form. So you should be able to do that while you're in the document, and then I think you\n\nChannel 1: Yeah.\n\nChannel 0: hit submit or send or something like that,\n\nChannel 1: Okay.\n\nChannel 0: and that will come through to me anyway.\n\nChannel 1: Excellent. All good.\n\nChannel 0: Lovely. Alright. Well, I look forward to talking to you soon, and I'll get that information off to you ASAP.\n\nChannel 1: Thank you so much. Thank you.\n\nChannel 0: You're absolutely welcome. Enjoy your afternoon.\n\nChannel 1: Bye. You too. Cheers. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.88,"end":1.28,"sentiment":"neutral","sentiment_score":0.03733737766742706},{"text":"Steve speaking.","start":1.28,"end":2.1,"sentiment":"neutral","sentiment_score":0.032680497504770756}],"sentiment":"neutral","sentiment_score":0.03423279089232286,"channel":1,"num_words":3,"start":0.88,"end":2.1},{"sentences":[{"text":"Hi, Steve.","start":2.8799999,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.18394315987825394},{"text":"This is Jenna phoning from Oakview Financial.","start":3.6799998,"end":6.64,"sentiment":"neutral","sentiment_score":0.1807153501680919},{"text":"How are you today?","start":6.64,"end":7.62,"sentiment":"neutral","sentiment_score":0.2489852011203766}],"sentiment":"neutral","sentiment_score":0.20221804426266596,"channel":0,"num_words":13,"start":2.8799999,"end":7.62},{"sentences":[{"text":"I'm very well.","start":8.0,"end":8.72,"sentiment":"positive","sentiment_score":0.60602335135142},{"text":"Thank you.","start":8.72,"end":9.46,"sentiment":"positive","sentiment_score":0.7682056725025177}],"sentiment":"positive","sentiment_score":0.6708962798118592,"channel":1,"num_words":5,"start":8.0,"end":9.46},{"sentences":[{"text":"That's good.","start":9.92,"end":10.639999,"sentiment":"positive","sentiment_score":0.674618124961853},{"text":"Just before I go any further, I do need to let you know that our calls are recorded for quality and coaching purposes.","start":10.639999,"end":16.455,"sentiment":"neutral","sentiment_score":0.05299669625642507},{"text":"Is that okay?","start":16.455,"end":17.435,"sentiment":"neutral","sentiment_score":0.06725406895081203}],"sentiment":"neutral","sentiment_score":0.09892580252406853,"channel":0,"num_words":28,"start":9.92,"end":17.435},{"sentences":[{"text":"Yeah.","start":18.465,"end":18.625,"sentiment":"neutral","sentiment_score":0.12623366713523865},{"text":"Yep.","start":18.625,"end":18.865,"sentiment":"neutral","sentiment_score":0.2148250788450241},{"text":"That's all good.","start":18.865,"end":19.765,"sentiment":"positive","sentiment_score":0.5091233253479004}],"sentiment":"positive","sentiment_score":0.3736857444047928,"channel":1,"num_words":5,"start":18.465,"end":19.765},{"sentences":[{"text":"Lovely.","start":20.535,"end":21.035,"sentiment":"positive","sentiment_score":0.5633159875869751},{"text":"And can I please ask you to confirm your full name, date of birth, and address, 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probably","start":1401.76,"end":1408.18,"sentiment":"neutral","sentiment_score":0.09424847761789958}],"sentiment":"neutral","sentiment_score":0.0580446900001594,"channel":0,"num_words":35,"start":1394.255,"end":1408.18},{"sentences":[{"text":"Yep.","start":1407.935,"end":1408.435,"sentiment":"neutral","sentiment_score":0.07189463078975677}],"sentiment":"neutral","sentiment_score":0.07189463078975677,"channel":1,"num_words":1,"start":1407.935,"end":1408.435},{"sentences":[{"text":"need a few payslips to have a look at to try and average out an income as well as maybe last financial year's tax return.","start":1408.48,"end":1421.045,"sentiment":"neutral","sentiment_score":0.10997162535786628},{"text":"That will help me make sure that you're not over insured or under insured.","start":1423.265,"end":1427.285,"sentiment":"neutral","sentiment_score":0.10316429606505803},{"text":"Because if you do claim, you can only claim up to 70% of your taxable income.","start":1427.79,"end":1433.63,"sentiment":"neutral","sentiment_score":0.13553135516121984},{"text":"So that helps me make sure that you're insured for the right amount.","start":1433.63,"end":1438.13,"sentiment":"neutral","sentiment_score":0.19139897536772948}],"sentiment":"neutral","sentiment_score":0.13015116384143338,"channel":0,"num_words":68,"start":1408.48,"end":1438.13},{"sentences":[{"text":"Yep.","start":1438.855,"end":1439.355,"sentiment":"neutral","sentiment_score":0.08750008791685104}],"sentiment":"neutral","sentiment_score":0.08750008791685104,"channel":1,"num_words":1,"start":1438.855,"end":1439.355},{"sentences":[{"text":"And then with income protection, there's two elements.","start":1440.3651,"end":1443.185,"sentiment":"neutral","sentiment_score":0.030483024194836617},{"text":"There's what we call a waiting period, which is similar to...","start":1443.805,"end":1447.405,"sentiment":"neutral","sentiment_score":0.0012078424915671349},{"text":"If you think of it like an excess, it's the number of days you need to wait until you're eligible to be paid.","start":1447.405,"end":1453.8251,"sentiment":"neutral","sentiment_score":-0.029708848375341167},{"text":"So they vary from thirty days to sixty days to ninety days and so on.","start":1454.16,"end":1460.18,"sentiment":"neutral","sentiment_score":-0.0014408303735156853}],"sentiment":"neutral","sentiment_score":-0.00785553521525703,"channel":0,"num_words":57,"start":1440.3651,"end":1460.18},{"sentences":[{"text":"Yeah.","start":1461.085,"end":1461.585,"sentiment":"neutral","sentiment_score":-0.011025812476873398}],"sentiment":"neutral","sentiment_score":-0.011025812476873398,"channel":1,"num_words":1,"start":1461.085,"end":1461.585},{"sentences":[{"text":"And and then there's what we call a benefit period.","start":1461.4401,"end":1464.4,"sentiment":"neutral","sentiment_score":0.03917354047298431},{"text":"So depending on the severity of your injury or illness, it's the maximum amount of time you can be paid per injury or illness, and they vary from two years to five years to age 65.","start":1464.4,"end":1477.3351,"sentiment":"neutral","sentiment_score":-0.02140693085407798}],"sentiment":"neutral","sentiment_score":-0.008237263174281828,"channel":0,"num_words":46,"start":1461.4401,"end":1477.3351},{"sentences":[{"text":"Right.","start":1478.43,"end":1478.75,"sentiment":"neutral","sentiment_score":0.039861440658569336},{"text":"Yep.","start":1478.75,"end":1479.25,"sentiment":"neutral","sentiment_score":0.04463106021285057}],"sentiment":"neutral","sentiment_score":0.04224625043570995,"channel":1,"num_words":2,"start":1478.43,"end":1479.25},{"sentences":[{"text":"So based on that, a waiting period, are you thinking of...","start":1478.995,"end":1485.71,"sentiment":"neutral","sentiment_score":0.023789717731150715},{"text":"What sort of waiting period would you need?","start":1486.97,"end":1490.03,"sentiment":"neutral","sentiment_score":-0.05354828666895628}],"sentiment":"neutral","sentiment_score":-0.008773652542578546,"channel":0,"num_words":19,"start":1478.995,"end":1490.03},{"sentences":[{"text":"What would...","start":1492.745,"end":1493.305,"sentiment":"neutral","sentiment_score":-0.037945568561553955},{"text":"What's what's in the...","start":1493.305,"end":1494.185,"sentiment":"neutral","sentiment_score":-0.14395195618271828},{"text":"I don't know what's recommended here.","start":1494.185,"end":1496.045,"sentiment":"neutral","sentiment_score":-0.22202815363804498}],"sentiment":"neutral","sentiment_score":-0.1653223236401876,"channel":1,"num_words":12,"start":1492.745,"end":1496.045},{"sentences":[{"text":"Yeah.","start":1496.73,"end":1497.23,"sentiment":"neutral","sentiment_score":-0.06458308547735214},{"text":"So it's basically...","start":1497.4451,"end":1498.265,"sentiment":"neutral","sentiment_score":-0.033958425745368004},{"text":"In thinking of that, how...","start":1498.885,"end":1500.5851,"sentiment":"neutral","sentiment_score":-0.02725084833800793},{"text":"Do you have any savings, redraw, or anything like that that you can rely on for at least thirty days or sixty","start":1500.645,"end":1507.525,"sentiment":"neutral","sentiment_score":-0.0007902440953661095}],"sentiment":"neutral","sentiment_score":-0.010325741112953233,"channel":0,"num_words":31,"start":1496.73,"end":1507.525},{"sentences":[{"text":"Yes.","start":1507.52,"end":1508.02,"sentiment":"neutral","sentiment_score":0.02520005591213703}],"sentiment":"neutral","sentiment_score":0.02520005591213703,"channel":1,"num_words":1,"start":1507.52,"end":1508.02},{"sentences":[{"text":"or ninety days to","start":1507.525,"end":1509.685,"sentiment":"neutral","sentiment_score":0.0312817320227623}],"sentiment":"neutral","sentiment_score":0.0312817320227623,"channel":0,"num_words":4,"start":1507.525,"end":1509.685},{"sentences":[{"text":"Okay.","start":1509.44,"end":1509.94,"sentiment":"neutral","sentiment_score":0.04035673290491104}],"sentiment":"neutral","sentiment_score":0.04035673290491104,"channel":1,"num_words":1,"start":1509.44,"end":1509.94},{"sentences":[{"text":"supplement your income until you're able to lodge a claim and be paid.","start":1509.685,"end":1515.65,"sentiment":"neutral","sentiment_score":0.0393849228723691}],"sentiment":"neutral","sentiment_score":0.0393849228723691,"channel":0,"num_words":13,"start":1509.685,"end":1515.65},{"sentences":[{"text":"Yeah.","start":1515.365,"end":1515.865,"sentiment":"neutral","sentiment_score":0.022437432780861855},{"text":"Gotcha.","start":1516.165,"end":1516.645,"sentiment":"neutral","sentiment_score":0.008610595017671585},{"text":"So I would probably say sixty days.","start":1516.645,"end":1518.665,"sentiment":"neutral","sentiment_score":0.0016127856714384897}],"sentiment":"neutral","sentiment_score":0.004704169722066985,"channel":1,"num_words":9,"start":1515.365,"end":1518.665},{"sentences":[{"text":"Sixty days.","start":1519.31,"end":1520.2101,"sentiment":"neutral","sentiment_score":0.006389678143023048},{"text":"And then a benefit period is the maximum amount of time you can be 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maximum.","start":1539.765,"end":1541.225,"sentiment":"neutral","sentiment_score":0.05326610368986925}],"sentiment":"neutral","sentiment_score":0.04265684261918068,"channel":1,"num_words":8,"start":1538.245,"end":1541.225},{"sentences":[{"text":"Yep.","start":1542.52,"end":1543.02,"sentiment":"neutral","sentiment_score":0.057875629514455795},{"text":"Okay.","start":1543.0801,"end":1543.5801,"sentiment":"neutral","sentiment_score":0.03356856107711792},{"text":"So the...","start":1543.88,"end":1544.68,"sentiment":"neutral","sentiment_score":0.015818914864212275},{"text":"So with income protection, you can pay for it through your superannuation fund or your personal cash flow.","start":1544.68,"end":1554.375,"sentiment":"neutral","sentiment_score":0.059357879476414785},{"text":"Your personal cash flow means it will be tax deductible to you.","start":1554.755,"end":1559.0951,"sentiment":"neutral","sentiment_score":0.11057558717827003}],"sentiment":"neutral","sentiment_score":0.07407149697160896,"channel":0,"num_words":34,"start":1542.52,"end":1559.0951},{"sentences":[{"text":"Yep.","start":1559.77,"end":1560.27,"sentiment":"neutral","sentiment_score":0.08634176105260849}],"sentiment":"neutral","sentiment_score":0.08634176105260849,"channel":1,"num_words":1,"start":1559.77,"end":1560.27},{"sentences":[{"text":"I am gonna warn you, the premiums are gonna be decent based on your age and occupation.","start":1559.875,"end":1567.61,"sentiment":"neutral","sentiment_score":-0.015693048782208386},{"text":"So","start":1568.63,"end":1569.13,"sentiment":"neutral","sentiment_score":-0.050148263573646545}],"sentiment":"neutral","sentiment_score":-0.01760722738173273,"channel":0,"num_words":18,"start":1559.875,"end":1569.13},{"sentences":[{"text":"When you","start":1569.605,"end":1569.925,"sentiment":"neutral","sentiment_score":-0.04637306183576584}],"sentiment":"neutral","sentiment_score":-0.04637306183576584,"channel":1,"num_words":2,"start":1569.605,"end":1569.925},{"sentences":[{"text":"I'm...","start":1569.9099,"end":1570.4099,"sentiment":"neutral","sentiment_score":-0.05057193711400032}],"sentiment":"neutral","sentiment_score":-0.05057193711400032,"channel":0,"num_words":1,"start":1569.9099,"end":1570.4099},{"sentences":[{"text":"said decent, you mean high.","start":1569.925,"end":1571.7051,"sentiment":"neutral","sentiment_score":-0.07207707986235619}],"sentiment":"neutral","sentiment_score":-0.07207707986235619,"channel":1,"num_words":5,"start":1569.925,"end":1571.7051},{"sentences":[{"text":"Yes.","start":1572.3099,"end":1572.8099,"sentiment":"neutral","sentiment_score":0.0327770859003067},{"text":"But it's still worth probably having a look to see...","start":1575.75,"end":1581.585,"sentiment":"neutral","sentiment_score":-0.05323016252368688},{"text":"So you're...","start":1583.5651,"end":1584.285,"sentiment":"neutral","sentiment_score":-0.013896557502448559},{"text":"You can make an informed 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a lump sum should you be diagnosed with a critical illness, and that can range from cancer, stroke, heart attack to a neurological disease.","start":1593.69,"end":1607.3099,"sentiment":"neutral","sentiment_score":0.062296055257320404},{"text":"And that","start":1607.8451,"end":1608.5651,"sentiment":"neutral","sentiment_score":0.11818763241171837}],"sentiment":"neutral","sentiment_score":0.0701806607910178,"channel":0,"num_words":44,"start":1587.885,"end":1608.5651},{"sentences":[{"text":"Yep.","start":1608.415,"end":1608.63,"sentiment":"neutral","sentiment_score":0.13052377104759216}],"sentiment":"neutral","sentiment_score":0.13052377104759216,"channel":1,"num_words":1,"start":1608.415,"end":1608.63},{"sentences":[{"text":"that premium is paid for out of your personal cash flow.","start":1608.5651,"end":1612.4851,"sentiment":"neutral","sentiment_score":0.15423248098655182},{"text":"Is that something you wanna look at as well?","start":1612.4851,"end":1614.5851,"sentiment":"neutral","sentiment_score":0.14108533163865408}],"sentiment":"neutral","sentiment_score":0.14831626377999782,"channel":0,"num_words":20,"start":1608.5651,"end":1614.5851},{"sentences":[{"text":"Yes.","start":1615.1901,"end":1615.67,"sentiment":"neutral","sentiment_score":0.26633399724960327},{"text":"If you can send me the info info on that, that'd be great.","start":1615.67,"end":1618.49,"sentiment":"neutral","sentiment_score":0.313228665636136}],"sentiment":"neutral","sentiment_score":0.3098790464656694,"channel":1,"num_words":14,"start":1615.1901,"end":1618.49},{"sentences":[{"text":"Yep.","start":1619.285,"end":1619.765,"sentiment":"neutral","sentiment_score":0.19362029433250427},{"text":"I can certainly do that.","start":1619.765,"end":1621.41,"sentiment":"positive","sentiment_score":0.4175558865070343},{"text":"If you were to 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it'd just be a period of time.","start":1643.24,"end":1645.5,"sentiment":"neutral","sentiment_score":-0.01458292966708541}],"sentiment":"neutral","sentiment_score":-0.01458292966708541,"channel":1,"num_words":8,"start":1643.24,"end":1645.5},{"sentences":[{"text":"Yeah.","start":1646.1951,"end":1646.675,"sentiment":"neutral","sentiment_score":0.04241791367530823},{"text":"Yep.","start":1646.675,"end":1647.0751,"sentiment":"neutral","sentiment_score":0.08392857760190964},{"text":"Okay.","start":1647.0751,"end":1647.5751,"sentiment":"neutral","sentiment_score":0.2516360878944397},{"text":"Fantastic.","start":1647.7151,"end":1648.2151,"sentiment":"positive","sentiment_score":0.6460589170455933},{"text":"I can work some figures on 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it's the overall performance for the last twelve months with Netwealth.","start":1660.67,"end":1666.45,"sentiment":"neutral","sentiment_score":0.055032935459166765},{"text":"So earlier in the year, you received the document to move out of the Benelong Australian equities fund due to underperformance and replace that with the BetaShares Australian 200 ETF.","start":1667.2949,"end":1678.995,"sentiment":"neutral","sentiment_score":0.011512778544177612},{"text":"So we got that done.","start":1680.14,"end":1682.16,"sentiment":"neutral","sentiment_score":0.05734164863824844}],"sentiment":"neutral","sentiment_score":0.030150934319513347,"channel":0,"num_words":52,"start":1660.19,"end":1682.16},{"sentences":[{"text":"Yep.","start":1683.065,"end":1683.565,"sentiment":"neutral","sentiment_score":0.007879935204982758}],"sentiment":"neutral","sentiment_score":0.007879935204982758,"channel":1,"num_words":1,"start":1683.065,"end":1683.565},{"sentences":[{"text":"It still has...","start":1683.26,"end":1684.22,"sentiment":"neutral","sentiment_score":-0.012569993734359741},{"text":"It still had an impact on your overall portfolio for the twelve months because Bennelong was in there for more than the six month period.","start":1684.22,"end":1691.44,"sentiment":"neutral","sentiment_score":-0.1431246680021286},{"text":"So your overall net performance, so less costs, etcetera, was negative 0.49%.","start":1692.375,"end":1701.8351,"sentiment":"neutral","sentiment_score":-0.1723454874008894},{"text":"So you had a negative year.","start":1701.895,"end":1703.675,"sentiment":"neutral","sentiment_score":-0.1981383686264356},{"text":"What I've gone and done is I've...","start":1704.1799,"end":1706.6,"sentiment":"neutral","sentiment_score":-0.09523448028734752}],"sentiment":"neutral","sentiment_score":-0.14225366233654743,"channel":0,"num_words":53,"start":1683.26,"end":1706.6},{"sentences":[{"text":"Now that Bennelong has been out of it, I've done a six month return since Bennelong has been removed, and","start":1706.98,"end":1715.2999,"sentiment":"neutral","sentiment_score":0.016717502661049367}],"sentiment":"neutral","sentiment_score":0.016717502661049367,"channel":0,"num_words":20,"start":1706.98,"end":1715.2999},{"sentences":[{"text":"Yep.","start":1715.0349,"end":1715.5349,"sentiment":"neutral","sentiment_score":0.09643768519163132}],"sentiment":"neutral","sentiment_score":0.09643768519163132,"channel":1,"num_words":1,"start":1715.0349,"end":1715.5349},{"sentences":[{"text":"your your return for the last six months is now sitting at 12.41%.","start":1715.2999,"end":1720.7351,"sentiment":"neutral","sentiment_score":0.08483957470609592}],"sentiment":"neutral","sentiment_score":0.08483957470609592,"channel":0,"num_words":13,"start":1715.2999,"end":1720.7351},{"sentences":[{"text":"Well, that's better 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the negative.","start":1724.9701,"end":1726.1901,"sentiment":"neutral","sentiment_score":0.02246767170727253}],"sentiment":"neutral","sentiment_score":0.02246767170727253,"channel":1,"num_words":5,"start":1724.9701,"end":1726.1901},{"sentences":[{"text":"Yeah.","start":1727.115,"end":1727.515,"sentiment":"neutral","sentiment_score":0.09948232024908066},{"text":"That's a 100% right.","start":1727.515,"end":1729.2151,"sentiment":"neutral","sentiment_score":0.1682104393839836},{"text":"But the the benefit of replace...","start":1729.3551,"end":1731.615,"sentiment":"neutral","sentiment_score":0.04256716618935267},{"text":"Replacing that Bennelong fund has played out the way that we wanted it and intended it to.","start":1731.8351,"end":1741.17,"sentiment":"neutral","sentiment_score":0.11290971573223085},{"text":"So it 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form.","start":2189.825,"end":2190.7048,"sentiment":"neutral","sentiment_score":0.059609364718198776},{"text":"So you should be able to do that while you're in the document, and then I think you","start":2190.7048,"end":2194.545,"sentiment":"neutral","sentiment_score":0.11433746562235886}],"sentiment":"neutral","sentiment_score":0.10886465553194284,"channel":0,"num_words":20,"start":2189.825,"end":2194.545},{"sentences":[{"text":"Yeah.","start":2194.47,"end":2194.97,"sentiment":"neutral","sentiment_score":0.020133720710873604}],"sentiment":"neutral","sentiment_score":0.020133720710873604,"channel":1,"num_words":1,"start":2194.47,"end":2194.97},{"sentences":[{"text":"hit submit or send or something like that,","start":2194.545,"end":2197.125,"sentiment":"neutral","sentiment_score":0.028238502563908696}],"sentiment":"neutral","sentiment_score":0.028238502563908696,"channel":0,"num_words":8,"start":2194.545,"end":2197.125},{"sentences":[{"text":"Okay.","start":2197.4302,"end":2197.9302,"sentiment":"neutral","sentiment_score":0.08073979616165161}],"sentiment":"neutral","sentiment_score":0.08073979616165161,"channel":1,"num_words":1,"start":2197.4302,"end":2197.9302},{"sentences":[{"text":"and that will come through to me anyway.","start":2198.385,"end":2200.325,"sentiment":"neutral","sentiment_score":0.17035336419939995}],"sentiment":"neutral","sentiment_score":0.17035336419939995,"channel":0,"num_words":8,"start":2198.385,"end":2200.325},{"sentences":[{"text":"Excellent.","start":2201.1902,"end":2201.6902,"sentiment":"positive","sentiment_score":0.8043375015258789},{"text":"All good.","start":2202.23,"end":2202.97,"sentiment":"positive","sentiment_score":0.7997085452079773}],"sentiment":"positive","sentiment_score":0.8012515306472778,"channel":1,"num_words":3,"start":2201.1902,"end":2202.97},{"sentences":[{"text":"Lovely.","start":2202.99,"end":2203.47,"sentiment":"positive","sentiment_score":0.8308947086334229},{"text":"Alright.","start":2203.47,"end":2203.79,"sentiment":"positive","sentiment_score":0.5952197909355164},{"text":"Well, I look forward to talking to you soon, and I'll get that information off to you ASAP.","start":2203.79,"end":2208.1301,"sentiment":"positive","sentiment_score":0.7137986256016625}],"sentiment":"positive","sentiment_score":0.7137244880199433,"channel":0,"num_words":20,"start":2202.99,"end":2208.1301},{"sentences":[{"text":"Thank you so much.","start":2209.085,"end":2210.285,"sentiment":"positive","sentiment_score":0.839134693145752},{"text":"Thank you.","start":2210.285,"end":2211.025,"sentiment":"positive","sentiment_score":0.7813479602336884}],"sentiment":"positive","sentiment_score":0.8198724488417307,"channel":1,"num_words":6,"start":2209.085,"end":2211.025},{"sentences":[{"text":"You're absolutely welcome.","start":2210.83,"end":2211.95,"sentiment":"positive","sentiment_score":0.7879837950070699},{"text":"Enjoy your afternoon.","start":2211.95,"end":2212.93,"sentiment":"positive","sentiment_score":0.7905539075533549}],"sentiment":"positive","sentiment_score":0.7892688512802124,"channel":0,"num_words":6,"start":2210.83,"end":2212.93},{"sentences":[{"text":"Bye.","start":2212.525,"end":2213.025,"sentiment":"positive","sentiment_score":0.474470317363739},{"text":"You too.","start":2213.405,"end":2213.9648,"sentiment":"positive","sentiment_score":0.44001026451587677},{"text":"Cheers.","start":2213.9648,"end":2214.365,"sentiment":"positive","sentiment_score":0.5645753145217896},{"text":"Bye.","start":2214.365,"end":2214.865,"sentiment":"neutral","sentiment_score":0.2796120345592499}],"sentiment":"positive","sentiment_score":0.4397356390953064,"channel":1,"num_words":5,"start":2212.525,"end":2214.865},{"sentences":[{"text":"Bye.","start":2215.07,"end":2215.57,"sentiment":"neutral","sentiment_score":-0.11407797038555144}],"sentiment":"neutral","sentiment_score":-0.11407797038555144,"channel":0,"num_words":1,"start":2215.07,"end":2215.57}]},"summary":{"result":"success","short":"Representatives from Oakview Financial speak with Steven Blair to confirm his personal information and update his file, discussing his income and expenses, savings and expenses, and retirement goals. They also discuss his debt and retirement goals, estate planning, health and health issues, and risk profile. The representatives explain the process of reviewing a document and recommend paying up to 70% of taxable income to ensure proper coverage, and provide information on the fee structure and tax file number form required for annual fee consent renewal. They also provide some examples of insurance recommendations and advise the customer to review the estate planning brochure and tax file number form."},"intents":{"segments":[{"text":"And can I please ask you to confirm your full name, date of birth, and address, please? Steven Blair.","start_word":55,"end_word":73,"intents":[{"intent":"Update contact information","confidence_score":0.06847625},{"intent":"Confirm identity","confidence_score":0.24830279}]},{"text":"Would you like me to add a password to your file so you don't have to do the three points each time, or would you prefer to do the three points? Yeah.","start_word":101,"end_word":132,"intents":[{"intent":"Add password","confidence_score":0.6763507}]},{"text":"things, so I'm I'm aware of it. Okay. Fantastic.","start_word":205,"end_word":213,"intents":[{"intent":"Understand situation","confidence_score":0.00054125907}]},{"text":"So with that and the casual work, is it can... Is it the one employer that you're doing casual work for, or is it a few?","start_word":318,"end_word":343,"intents":[{"intent":"Confirm employer identity","confidence_score":0.002257647}]},{"text":"And what's their name? Evolve Talent. Okay.","start_word":351,"end_word":357,"intents":[{"intent":"Update employee information","confidence_score":0.0008703421}]},{"text":"So still still a shift? Yes.","start_word":447,"end_word":452,"intents":[{"intent":"Discuss shift availability","confidence_score":0.0011181663}]},{"text":"And what do you estimate your income to be annually at the moment?","start_word":499,"end_word":511,"intents":[{"intent":"Discuss income range","confidence_score":0.0035864331},{"intent":"Discuss income budget","confidence_score":0.000020538308}]},{"text":"Should we average it out anywhere between 80 to a 110 Yeah.","start_word":547,"end_word":558,"intents":[{"intent":"Discuss savings amount","confidence_score":0.005059895}]},{"text":"So are you are you able to do any savings per week at the moment that you're doing?","start_word":653,"end_word":670,"intents":[{"intent":"Analyze savings and budget","confidence_score":0.00013860814}]},{"text":"What I'm gonna do is just circle back to the goals and objectives that we had on... We have on file for you to see if they're still current and update any new ones. So the one that we have is your main goal for the last twelve months was to focus on your health. You'd recently broken your leg at work, Yep. and they were covering 90% of your income. 80%.","start_word":1291,"end_word":1362,"intents":[{"intent":"Highlight goals and objectives","confidence_score":0.014328899}]},{"text":"Anything new that you can think of that is a new goal for... That you wanna work towards?","start_word":1505,"end_word":1522,"intents":[{"intent":"End conversation","confidence_score":0.011307207}]},{"text":"So what I'm going to Yeah. flag with you is to have a think about what retirement looks like for you. Yep.","start_word":2452,"end_word":2473,"intents":[{"intent":"Define retirement plan","confidence_score":0.0006944502}]},{"text":"So I can print that and send it to you. Would you like me to prefill it for you? Yeah.","start_word":2687,"end_word":2706,"intents":[{"intent":"Requesting printout","confidence_score":0.0010855221}]},{"text":"So I've got Evangeline's details. Erica's, is it e r I c a? No. It's k. E r I k a? And Yep. and surname? It's the same as Eva Angeline Apollona, a p o l o n a. Yep.","start_word":2713,"end_word":2752,"intents":[{"intent":"Providing information","confidence_score":0.08802165}]},{"text":"I'm not sure it's the thirteenth of the twelfth or the twelfth of the twelfth. What I'll do is I'll leave that bit blank because we can't have the wrong date in there. So I'll That's leave that good. bit blank for you to send... For you to complete.","start_word":2779,"end_word":2827,"intents":[{"intent":"Expressing confusion","confidence_score":0.042225137}]},{"text":"I do.","start_word":2844,"end_word":2845,"intents":[{"intent":"Asking for access to email","confidence_score":0.003024648}]},{"text":"And and then there's what we call a benefit period. So depending on the severity of your injury or illness, it's the maximum amount of time you can be paid per injury or illness, and they vary from two years to five years to age 65. Right. Yep.","start_word":3256,"end_word":3303,"intents":[{"intent":"Explain benefits period","confidence_score":0.003732248},{"intent":"Discuss benefit periods","confidence_score":0.008942949},{"intent":"Clarify benefits","confidence_score":0.00646837}]},{"text":"Yeah.","start_word":3334,"end_word":3334,"intents":[{"intent":"Confirm understanding","confidence_score":0.031912062}]},{"text":"But it's still worth probably having a look to see... So you're... You can make an informed decision. Yeah.","start_word":3510,"end_word":3528,"intents":[{"intent":"Consider options","confidence_score":0.0011522792}]},{"text":"If you can send me the info info on that, that'd be great.","start_word":3596,"end_word":3608,"intents":[{"intent":"Provide information","confidence_score":0.15991609}]},{"text":"I can certainly do that. If you were to be... Suffer one of those events, would you would you need funds available to help cover medical expenses, or would it be more just to cover a period of time for you to get back on your feet and get back to Well, work?","start_word":3610,"end_word":3662,"intents":[{"intent":"Explain fund use","confidence_score":0.0000016060636}]},{"text":"What that is is a nice little educational piece that I like to talk about in line with your risk profile. So your risk profile is what you're currently invested as. So you'll see down the right hand side of the page, you've got US shares, estranged shares, international shares, and property. Yep.","start_word":3954,"end_word":4006,"intents":[{"intent":"Explain risk profile and portfolio","confidence_score":0.0061100367}]},{"text":"With with retirement approaching, if you're realistically looking at the age of 70, you do have time on your hands to maintain this high gross allocation Yep.","start_word":4144,"end_word":4170,"intents":[{"intent":"Maintain high gross allocation","confidence_score":0.033782154}]},{"text":"The next document is your insurance certificate of currency. So that is just showing you that your life and TPD cover that we talked about earlier is in place and in it... Is in force. Yep.","start_word":4223,"end_word":4258,"intents":[{"intent":"Explain insurance coverage and fees","confidence_score":0.000012291679}]},{"text":"So based on... What what we do is that it's a it's a percent based fee. So being 1.1% of your balance up to 600,000, but rather than it being variable and percent based each month, it's now fixed at a dollar value. So it's calculated at 1.1%, but then we fix it for the next twelve months.","start_word":4314,"end_word":4371,"intents":[{"intent":"Confirm fee details","confidence_score":0.026045809}]},{"text":"And then after that... And with that, I'll send you through that estate planning brochure for you to have a look at. Fantastic.","start_word":4666,"end_word":4688,"intents":[{"intent":"Email brochure","confidence_score":0.0019699452}]},{"text":"Do you have any questions for me, Steve?","start_word":4689,"end_word":4696,"intents":[{"intent":"Ask questions","confidence_score":0.46803546}]},{"text":"And next time we speak, I'm gonna be a little bit more, at your next review, a little bit more, probing in relation to retirement planning, so be prepared. Okay.","start_word":4828,"end_word":4857,"intents":[{"intent":"Provide updates","confidence_score":0.007713116}]},{"text":"You do need to sign those last two forms. So the fee form and Yep.","start_word":4965,"end_word":4979,"intents":[{"intent":"Confirm eligibility","confidence_score":0.000018451807}]}]},"sentiments":{"segments":[{"text":"Hello. Steve speaking. Hi, Steve. This is Jenna phoning from Oakview Financial. How are you today?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.1667717546224594},{"text":"I'm very well. Thank you. That's good.","start_word":16,"end_word":22,"sentiment":"positive","sentiment_score":0.6608494520187378},{"text":"Just before I go any further, I do need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Yeah. Yep.","start_word":23,"end_word":50,"sentiment":"neutral","sentiment_score":0.07181338220834732},{"text":"That's all good. Lovely.","start_word":51,"end_word":54,"sentiment":"positive","sentiment_score":0.5185415744781494},{"text":"And can I please ask you to confirm your full name, date of birth, and address, please? Steven Blair. Date of birth, birth of the second nineteen sixty nine. Address, 10 Carol Way, Greenfields Perth, WA.","start_word":55,"end_word":90,"sentiment":"neutral","sentiment_score":0.057902391999959946},{"text":"Thank you so much for confirming that. I appreciate it.","start_word":91,"end_word":100,"sentiment":"positive","sentiment_score":0.6999812722206116},{"text":"Would you like me to add a password to your file so you don't have to do the three points each time, or would you prefer to do the three points? Yeah. We can add a password. Okay. What would you like to... Your password to be? Okay. Apollona, APOLONA, Yes. And did my... you wanna... Yep. All lowercase, Yes. Blair, BLAIR, Yes. M, Yep. L3 Yep. 50. 350. Did you want me to put a prompt there and get a prompt for you to... A reminder in case you forget it? No. I use this one quite regularly Okay. for a few Fantastic. things, so I'm I'm aware of it. Okay.","start_word":101,"end_word":212,"sentiment":"neutral","sentiment_score":0.05427824333310127},{"text":"Fantastic.","start_word":213,"end_word":213,"sentiment":"positive","sentiment_score":0.4006626009941101},{"text":"Alright. I've updated that for you. The purpose of my call today is we've got out in your review scheduled. Do you have time to still complete that Yep. Sure. now?","start_word":214,"end_word":244,"sentiment":"neutral","sentiment_score":0.1749046891927719},{"text":"Wonderful.","start_word":245,"end_word":245,"sentiment":"positive","sentiment_score":0.38465291261672974},{"text":"Before we get into the nuts and bolts of it, I'd probably... I'd like to just start by asking, has anything significantly changed for you personally or financially in the last twelve months that Yeah. yeah? Okay. Yeah. I was I was made redundant in last December. Okay. So I'm just doing, like, casual work at the moment Yes. Okay. until I can find, you know, the right job. Okay. Okay. So with that and the casual work, is it can... Is it the one employer that you're doing casual work for, or is it a few? Just the one employer at the moment. Okay. And what's their name? Evolve Talent. Okay. And is it part time... Oh, no. You said it's casual. How many hours do you do roughly per week? So I'm I'm still doing, like, off... My... Or fly in fly out work. So Okay. I I generally do, like, Yep. maybe eighty four hours a week So, like... So it's it's basically on... Generally, it's based on either a week work and a week off or two weeks on, one week off. It just depends on what's available. Okay. Varies depending on roster. Yeah.","start_word":246,"end_word":443,"sentiment":"neutral","sentiment_score":-0.003612164379746625},{"text":"That's absolutely fine.","start_word":444,"end_word":446,"sentiment":"positive","sentiment_score":0.4379330575466156},{"text":"So still still a shift? Yes. That's correct. Yeah. And is it still the FIFO work... Is it still on the rigs, or is it mining or oil and gas? Just more... It's more mining at the moment. Yeah. Okay. Yep. And I'm just making some notes to update all this. Okay. And what do you estimate your income to be annually at the moment? I know that's a bit hard to... Yeah. Given it's casual. So probably, let's say, anywhere between 80 to a 100 10 maybe on this Okay. casual basis. Yep. Is that plus super? Yes. Okay. Should we average it out anywhere between 80 to a 110 Yeah. Let's or do that. just, like... Yeah? Okay. I'll do that in a little bit. And savings wise, we had... You weren't doing any savings last time, and your expenses, we didn't have a figure. Do you have any idea... Have any of those changed? Or... Yeah. They have a little bit. Obviously, because Mhmm. we moved into the new house, and I Yep. sold some property. But Yes. then the tax man wants a half of that as well. Doesn't Can't miss you. get away from him. No. He doesn't. No. Yeah. Okay. So are you are you able to do any savings per week at the moment that you're doing? Not really because it's like I No? said, it's it's hard at the moment because, I mean, well, obviously, mortgage rate rates and expenditures and prices of groceries and stuff, everything's Yeah. going up. And, of course, I don't know when, obviously, my next paycheck's gonna come in because Yep. my Yep. company paying me, like, for four days, and then they pay me for three days. And then I might get paid for seven days and then three days again. You know? So Yeah. Of it's course.","start_word":447,"end_word":758,"sentiment":"neutral","sentiment_score":-0.03040923779973617},{"text":"a bit difficult at the moment.","start_word":759,"end_word":764,"sentiment":"negative","sentiment_score":-0.35081154108047485},{"text":"Yes. I understand. Okay. So, well, then expenses wise, is is it still that basically everything coming in is just getting spent for expenses Yeah. Pretty much. expenses? Yep. Okay. Do you make any additional contributions to super? Well, I was Yep. open sold December last You year. still up Obviously, there? Yep. I I didn't work for the first five months of this year. And, obviously, Yep. I'm I'm gonna just get back into, like, you know, the roster and everything of of, Yeah. you know, casual work. So I I will be looking into that. Certainly, once I get a full time job again. You can do it at any time you you want. It's more probably to consider with your expenses whether it's affordable or not. So it's up to you when you start it. You don't have to be full time to add extra money to your super. It's more Yes. is it affordable? At the moment, no. Yep. That's absolutely fine. We can revisit that when At the time a later comes. date. Yeah. Yeah. Yep. So do you have an EBA with your... With Evolve Talent? No. No? No. Alright. So you said you sold property. Was that the investment property that you sold? Yes. Yeah. So you still have your principal residence? Yes. Which is Kencarole Way. Yeah. How much do you think that's valued at? Well, I had it valued last or earlier this year, Yep. and they said between 1.4 and 1.5. Okay. And what's the debt on that? Just shy of 4... Just shy of 500,000, I'd say. Okay.","start_word":765,"end_word":1033,"sentiment":"neutral","sentiment_score":0.021368655660033892},{"text":"Fantastic.","start_word":1034,"end_word":1034,"sentiment":"positive","sentiment_score":0.5792010426521301},{"text":"And then with your other assets, we had a car noted here for 40,000 value with 14,000 debt. Is that still there? There's only... There's less than 5,000 debt on it.","start_word":1035,"end_word":1065,"sentiment":"neutral","sentiment_score":0.08490031957626343},{"text":"Okay. That's lovely because I know that was one of your goals to get that paid down, so that's fantastic.","start_word":1066,"end_word":1085,"sentiment":"positive","sentiment_score":0.663718044757843},{"text":"Yep. And we had some shares, oil and gas for 4,500. Do you still have those? I still have them. Yeah. Yeah. Are they still valued around the same amount? Oh, no. They dropped. Yep. Yeah. They're probably... I'm... I'll be looking for the worth a thousand $500 or something at the moment. Oh, okay. But as long as I keep ahold of them, who knows what might happen to them? That's right. Okay.","start_word":1086,"end_word":1159,"sentiment":"neutral","sentiment_score":-0.03655388951301575},{"text":"Beautiful.","start_word":1160,"end_word":1160,"sentiment":"positive","sentiment_score":0.35491353273391724},{"text":"Alright. Just a couple of financial and lifestyle questions. Have Yep. you ever been declared bankrupt or had a debt agreement? No. No. Are you a smoker? No. No. Do you have any significant health issues or injuries? No. No. Do you take any medication? No. Do you have private health? Yes. Yeah. Oh, who's that with? AHM. A h m. And... Okay. Do you know what your height and weight is? My height is one eighty three centimeters, and my Yeah. weight is ninety kilo. Fantastic. And do you have any wills or powers of attorney in place? Not at the moment. No. No. Okay. Lovely. That's the the bulk of my invasive question, so I apologize about that. That's okay. Yeah. Has to be done. That's alright. What I'm gonna do is just circle back to the goals and objectives that we had on... We have on file for you to see if they're still current and update any new ones. So the one that we have is your main goal for the last twelve months was to focus on your health. You'd recently broken your leg at work, Yep. and they were covering 90% of your income. 80%. So has Yes. oh, 80%. So has that all been finalized now? Yes. I got a a small payout for that, which Yeah. didn't go Okay. very far. No. It doesn't seem to, does it, It these doesn't. days? No. So... Well, I mean, No. I I I did... We... I did put a lot a lot a lot of my finances into the new build and put Yes.","start_word":1161,"end_word":1430,"sentiment":"neutral","sentiment_score":0.008732475795679623},{"text":"a swimming pool in and had all the the the rear of the house done nicely.","start_word":1431,"end_word":1446,"sentiment":"positive","sentiment_score":0.34854066371917725},{"text":"So at least I invested it in the house, basically. Yeah. Yep. No. That's that's good. Alright. With... We had one here as well that you wanted to focus as... Focus on saving as much as possible and pay down the car. So you're still working on paying down the car? Yep. Still working on that. Okay. Okay. Anything new that you can think of that is a new goal for... That you wanna work towards? Just more holidays. Yeah. I understand. Where would you like to go? Well, my partner's from The Philippines, and I've never been. Yes. Okay. So Yep. that's one place. I've got a wedding to go to in Thailand next year. So... Yeah. Mhmm. Few places. Okay.","start_word":1447,"end_word":1568,"sentiment":"neutral","sentiment_score":0.09041380882263184},{"text":"Lovely. That's lovely.","start_word":1569,"end_word":1571,"sentiment":"positive","sentiment_score":0.5276603102684021},{"text":"Holidays and travel are super important, I think, in my own personal opinion. With your insurances, you're currently insured for a small amount of life and PPD. Are you happy with those levels of cover? It's currently sitting at about 177,000. Do you think that would meet your your needs of having life and TPD insurance? Yeah. Yeah. Yeah. Yeah. I'm okay with that at the moment. Yeah. What about Yep. income protection? You don't have any income protection. And where Do that you know probably... what? Yep. You're gonna... You're you're not gonna believe this one. But when I was Yeah. working on the rigs, I took out income protection. Oh, did And you? then, yeah, and then later, Real Insurance told me that it was actually null and void because I work offshore in a dangerous occupation. So it wasn't specifically underwritten, so to say. That's No.","start_word":1572,"end_word":1720,"sentiment":"neutral","sentiment_score":-0.03362492071902192},{"text":"Yeah. that's frustrating. I know.","start_word":1721,"end_word":1725,"sentiment":"negative","sentiment_score":-0.49771425127983093},{"text":"Is that... Yeah. Because that that would have probably come in pretty handy when you had hurt yourself as well. Correct. Yeah. Yeah. Okay. Is that something you wanna look at now? Yeah. Probably. Yeah? Yep. Okay. So if we were to look at that, there's a number of different factors which I'll go through with you shortly about that to kinda get a gauge of what you're thinking Mhmm. to work towards that. With estate planning, are you planning on doing a will or power of attorney anytime soon? Not really soon. But it is something that has been in the back of my mind in the last few months, I will admit. No. Yep. That it... I know it's something I need to get on to. Okay. The reason I ask is we do have a professional partner that we work work... Or works alongside Yep. us with our clients. It is quite affordable compared to what I've seen in my years in the industry. I have a Yep. brochure. Would you like me to send the brochure to you That for would you to have be a look? fine. Yeah.","start_word":1726,"end_word":1918,"sentiment":"neutral","sentiment_score":-0.014608790166676044},{"text":"That would be great.","start_word":1919,"end_word":1922,"sentiment":"positive","sentiment_score":0.38504812121391296},{"text":"Yeah.","start_word":1923,"end_word":1923,"sentiment":"neutral","sentiment_score":0.331379771232605},{"text":"Perfect.","start_word":1924,"end_word":1924,"sentiment":"positive","sentiment_score":0.49098020792007446},{"text":"I can get that some post down meeting. And then from a beneficiary point of view for your life insurance and your super, we've got Evangeline. Did I say that right? Yes. You did. Oh, great.","start_word":1925,"end_word":1960,"sentiment":"neutral","sentiment_score":0.19582465291023257},{"text":"I'd I'd I'd dread saying it the wrong way.","start_word":1961,"end_word":1969,"sentiment":"negative","sentiment_score":-0.3506135046482086},{"text":"Oh, it's okay. Yeah. Nominated as your beneficiary. Is that still current? Yes.","start_word":1970,"end_word":1982,"sentiment":"neutral","sentiment_score":0.11012463368332157},{"text":"Lovely.","start_word":1983,"end_word":1983,"sentiment":"positive","sentiment_score":0.5364507436752319},{"text":"Okay. With Can your... I just ask you? Yeah. I thought I put down Evangeline and Erica. No. You've only got Evangeline down as a 100%. Well, as a 100%. Okay. Yeah. Because I filled a form out that said Evangeline 75% and Erica 25%. Okay. Maybe that was just something else, Let but let I'm me pretty have sure. a look. So it might have been my sister, actually. I don't know. Okay. Let me look into that. Can I ask a question? How old Yep. is Erica? She is the same going on 14 in December. That's fine. The reason why I asked that is when we have adult children, so children over the age of 18, any superannuation or insurance benefits paid to a child over the age of 18 under super law is considered a nonfinancial dependent and they're taxed. So that's why... So Erica would not be taxed, but that's why I'd asked that question as to how old she is. Yes. Okay. That's cool. Okay. So Let I me don't double want anything check. to happen to me in the next four years then. Yeah. There's a way... What would happen then is we would look at having Evangeline nominated because she's your spouse, partner, de facto. Yep. She would receive the funds tax free because she's considered a financial dependent. So... Yep. And then alternative to that is we can direct it through your will, which will still pay tax, but it's a little bit less than to an adult child. Right. Gotcha. Yeah. That's So fine. we can just... We'll just keep revisiting that, especially as Erica reaches age 18. Yep. Sure. Okay. Now I have a question for you. Yep. You are 57 years old. Correct. What are you thinking about retirement? Do you know what? I was thinking probably closer to 70 at the moment. Yeah. Yeah. Why is that? Oh, just I I I I don't wanna know what I do when I when I finish work. Yeah. To Okay. be honest, Yeah. you know, it's it's a bit daunting, to be That's honest. Like, what are you gonna do? You know? that's a very common common question and something that's brought up. And across my time, it's it's something that's very consistent. What I always tend to say is there's a financial preparation side and then there's a mental preparation side. It That comes... that There's makes two a lot of parts. sense. Yeah. Yep. So the mental preparation side is kind of gearing up, finding hobbies, finding the things you like to do. Maybe it's a slow transition to retirement where you reduce work for a period of time rather than Yeah. a full a full Rather than just blanket going cold turkey. stop. Exactly. So what I'm going to Yeah. flag with you is to have a think about what retirement looks like for you. Yep. You don't have to answer me today. This is something that we will continue to discuss at our ongoing reviews, Yep. but it is it is something that we've, you know, being 57, you're actually legally able to access your super in about three years. So we will... We're gonna start having those discussions a little bit in a little bit more More in-depth. detail. Yep. Yes. I kinda figured. So with that, we can help plan for that when that comes. So your thought... Your... Just to reiterate, I'll probably phrase back to you. Your thoughts on retirement at the moment is 70 because you're not sure what you would do, and you're gonna have to think about it. Yep. Correct. Yeah.","start_word":1984,"end_word":2596,"sentiment":"neutral","sentiment_score":-0.0035055283529966536},{"text":"Beautiful. That is absolutely fine. We can... I can work with that, and we will go from there.","start_word":2597,"end_word":2614,"sentiment":"positive","sentiment_score":0.4592752158641815},{"text":"And we'll just continue that discussion. Yep.","start_word":2615,"end_word":2621,"sentiment":"neutral","sentiment_score":0.25729113817214966},{"text":"Sounds good. Lovely.","start_word":2622,"end_word":2624,"sentiment":"positive","sentiment_score":0.6341521739959717},{"text":"I'm gonna look into that beneficiary nomination for you about the form. And then what I'm going to do is if we need an updated one, I'm gonna send you a new one. Yep. If that's the case, do you have access to a printer, or would you like me to post it? I do have access to a printer. Yes. Okay. So I can print that and send it to you. Would you like me to prefill it for you? Yeah. Why not? That'd be Okay. easier. So I've got Evangeline's details. Erica's, is it e r I c a? No. It's k. E r I k a? And Yep. and surname? It's the same as Eva Angeline Apollona, a p o l o n a. Yep. Okay. And date of birth for Erica? Oh, Jesus. What do you want me? It's I the... can... Is it... And and do you know what? I'm not sure it's the thirteenth of the twelfth or the twelfth of the twelfth. What I'll do is I'll leave that bit blank because we can't have the wrong date in there. So I'll That's leave that good. bit blank for you to send... For you to complete. Yeah.","start_word":2625,"end_word":2828,"sentiment":"neutral","sentiment_score":0.03393848590991076},{"text":"Excellent. Alright. Lovely.","start_word":2829,"end_word":2831,"sentiment":"positive","sentiment_score":0.552024781703949},{"text":"Alright. I... Do you have access to your emails at the moment? I do. Yes. You're gonna get an email from me. It Okay. will come through as Odoo sign or Jenna. And when you receive that, there's a... When you open it, there's a box that says click here to sign or sign here. Yep. What I Is will that ask like... Is you this to like do... a DocuSign? It is, but you're not signing anything at the moment. Right. No. I'm just gonna talk you through our review pack. And at the end, if you're happy with the fees and what needs signing, then then you'll sign it. But you're not signing anything at the moment. Okay. Okay. So you just let me know when you got those documents open. Oh, alright. Have you got those open? Yeah. I'm here. Yep. Yep. Hello? Hello? Yeah. You there? Yeah. Yeah. Yeah. I'm here. Yes. Yeah. And you got I've those got that documents? open.","start_word":2832,"end_word":2997,"sentiment":"neutral","sentiment_score":0.008561722979129079},{"text":"Fantastic. So the first document you should see is a summary of your super and insurance.","start_word":2998,"end_word":3013,"sentiment":"positive","sentiment_score":0.3832729756832123},{"text":"So all this is is a is a brief outline of what we're gonna run through through the the form... The review. Sorry. So your Yep. superannuation is currently with Netwealth with a balance of approximately $201,213. Yep. And your... You have the life and TPD insurance, which we spoke about before, being insured at a $176,956, and that's costing you $3,583 per annum, which gets deducted from your superannuation Yep. fund. Okay. With the income protection Okay. side of things, which is what we're talking about earlier, you can ensure up to 70% of your taxable income. So for me to be able to look at that and make some recommendations, probably Yep. need a few payslips to have a look at to try and average out an income as well as maybe last financial year's tax return. That will help me make sure that you're not over insured or under insured. Because if you do claim, you can only claim up to 70% of your taxable income. So that helps me make sure that you're insured for the right amount. Yep. And then with income protection, there's two elements. There's what we call a waiting period, which is similar to... If you think of it like an excess, it's the number of days you need to wait until you're eligible to be paid. So they vary from thirty days to sixty days to ninety days and so on. Yeah. And and then there's what we call a benefit period. So depending on the severity of your injury or illness, it's the maximum amount of time you can be paid per injury or illness, and they vary from two years to five years to age 65. Right. Yep. So based on that, a waiting period, are you thinking of... What sort of waiting period would you need? What would... What's what's in the... I don't know what's recommended here. Yeah. So it's basically... In thinking of that, how... Do you have any savings, redraw, or anything like that that you can rely on for at least thirty days or sixty Yes. or ninety days to Okay. supplement your income until you're able to lodge a claim and be paid. Yeah. Gotcha. So I would probably say sixty days. Sixty days. And then a benefit period is the maximum amount of time you can be paid. So that's two years or five years or to age 65, noting that an income protection policy is gonna cancel out about age 65 or 70 depending on the insurer. Yeah. Okay. Well, let's go for the maximum. Yep. Okay. So the... So with income protection, you can pay for it through your superannuation fund or your personal cash flow. Your personal cash flow means it will be tax deductible to you. Yep. I am gonna warn you, the premiums are gonna be decent based on your age and occupation. So When you I'm... said decent, you mean high. Yes. But it's still worth probably having a look to see... So you're... You can make an informed decision. Yeah. Yeah. Yes. Okay. And then there's a different type of insurance called trauma insurance. So it covers you for a lump sum should you be diagnosed with a critical illness, and that can range from cancer, stroke, heart attack to a neurological disease. And that Yep. that premium is paid for out of your personal cash flow. Is that something you wanna look at as well? Yes.","start_word":3014,"end_word":3595,"sentiment":"neutral","sentiment_score":0.02815366432685213},{"text":"If you can send me the info info on that, that'd be great.","start_word":3596,"end_word":3608,"sentiment":"positive","sentiment_score":0.3443789482116699},{"text":"Yep.","start_word":3609,"end_word":3609,"sentiment":"neutral","sentiment_score":0.19362029433250427},{"text":"I can certainly do that.","start_word":3610,"end_word":3614,"sentiment":"positive","sentiment_score":0.4085906744003296},{"text":"If you were to be... Suffer one of those events, would you would you need funds available to help cover medical expenses, or would it be more just to cover a period of time for you to get back on your feet and get back to Well, work? I'm Because... hoping it'd just be a period of time. Yeah. Yep. Okay.","start_word":3615,"end_word":3675,"sentiment":"neutral","sentiment_score":0.02057407610118389},{"text":"Fantastic. I can work some figures on that. Lovely.","start_word":3676,"end_word":3684,"sentiment":"positive","sentiment_score":0.527402937412262},{"text":"The next document is your performance report. Yep. Yep. So what that is is it's the overall performance for the last twelve months with Netwealth. So earlier in the year, you received the document to move out of the Benelong Australian equities fund due to underperformance and replace that with the BetaShares Australian 200 ETF. So we got that done. Yep. It still has... It still had an impact on your overall portfolio for the twelve months because Bennelong was in there for more than the six month period. So your overall net performance, so less costs, etcetera, was negative 0.49%. So you had a negative year. What I've gone and done is I've... Now that Bennelong has been out of it, I've done a six month return since Bennelong has been removed, and Yep. your your return for the last six months is now sitting at 12.41%. Well, that's better than So... the Magus. Sorry? That's better than the negative. Yeah. That's a 100% right. But the the benefit of replace... Replacing that Bennelong fund has played out the way that we wanted it and intended it to. So it is... The portfolio is performing much, much better now.","start_word":3685,"end_word":3884,"sentiment":"neutral","sentiment_score":0.01218041218817234},{"text":"Good. Excellent.","start_word":3885,"end_word":3886,"sentiment":"positive","sentiment_score":0.6167643070220947},{"text":"With relation to your other investments within the portfolio, there's no flags there that we see that need any further investigation.","start_word":3887,"end_word":3907,"sentiment":"neutral","sentiment_score":0.21118015050888064},{"text":"The portfolio is performing well, running as we would expect it to. So for the time being, I find I'm I'm quite happy with the way your portfolio is structured.","start_word":3908,"end_word":3937,"sentiment":"positive","sentiment_score":0.541298508644104},{"text":"Yep.","start_word":3938,"end_word":3938,"sentiment":"neutral","sentiment_score":0.3047466576099396},{"text":"That sounds good to me. Beautiful.","start_word":3939,"end_word":3944,"sentiment":"positive","sentiment_score":0.5440694093704224},{"text":"The next document is a Vanguard index chart.","start_word":3945,"end_word":3952,"sentiment":"neutral","sentiment_score":0.09127163887023926},{"text":"What that is is a nice little educational piece that I like to talk about in line with your risk profile.","start_word":3953,"end_word":3973,"sentiment":"positive","sentiment_score":0.5064728260040283},{"text":"So your risk profile is what you're currently invested as. So you'll see down the right hand side of the page, you've got US shares, estranged shares, international shares, and property. Yep. And all the squiggly lines that go along with that that show the market volatility of how those sectors behave. Right. Yep. Below that, you've got... And those those are called your growth assets. Below that, Yep. you've got a strain bonds and cash, and they're your defensive assets. So over the long term, we see a little bit of growth, but they they predominantly produce income. And they're the Yep. the less aggressive part of your portfolio. So the way you're invested now is as a high growth investor, and how that is invested is we see about 90% of your superannuation allocated to the top four investments up there, those very volatile ones, and Yep. I 10 understand percent, that. yep, and 10% to your defensive. Now that's why I asked the question about retirement earlier. With with retirement approaching, if you're realistically looking at the age of 70, you do have time on your hands to maintain this high gross allocation Yep.","start_word":3974,"end_word":4170,"sentiment":"neutral","sentiment_score":0.09642606228590012},{"text":"Because I'm we happy we to do do... that.","start_word":4171,"end_word":4179,"sentiment":"positive","sentiment_score":0.4370207190513611},{"text":"Yeah? Did you want me to explain any further or you're just happy to do that? I'm happy to keep going as we are keeping it in a... The the high High growth. the high growth. Yeah. Absolutely. Alright. No worries at all. The next document is your insurance certificate of currency. So that is just showing you that your life and TPD cover that we talked about earlier is in place and in it... Is in force. Yep. The following document is our financial services guide. So that document explains to you who we are, who we're licensed through... That we're licensed through ASIC. It explains our fees, the advice we provide, how we provide it, and the complaints process. Yes. Got it. The next document is your annual fee consent renewal. So based on... What what we do is that it's a it's a percent based fee. So being 1.1% of your balance up to 600,000, but rather than it being variable and percent based each month, it's now fixed at a dollar value. So it's calculated at 1.1%, but then we fix it for the next twelve months. So for the next Yep. twelve months, it'll be at $184.45 per month, which equates to $2,213.40 a year. Yep. So that covers your new... Your reviews that, like, we're conducting now. Uh-huh. It it covers the changes that we're gonna make, the additional insurance recommendations, anything that we need to... Well, not the insurance recommendation. Sorry. But if there was some investment options that I was gonna make a recommendation to tailor if you needed superannuation contribution advice. So say in six Yep. months' time, you decide that you wanna start making contributions again, give us a call. Your fee covers all that. So Okay. you're not So, just basically, limited to your... that that 2,000 plus dollars covers everything that I need. In relation And for to you your to... superannuation and retirement. Yeah. Yeah. Yeah. Yep.","start_word":4180,"end_word":4509,"sentiment":"neutral","sentiment_score":0.060427390919490294},{"text":"Excellent.","start_word":4510,"end_word":4510,"sentiment":"positive","sentiment_score":0.4209720492362976},{"text":"Yep.","start_word":4511,"end_word":4511,"sentiment":"neutral","sentiment_score":0.2385882139205933},{"text":"Beautiful.","start_word":4512,"end_word":4512,"sentiment":"positive","sentiment_score":0.41300857067108154},{"text":"Lock that in. So that fee needs to be... That form needs to be signed. And then the last form is the tax file number form. So it's just acknowledging and you giving us authority, basically, to hold your tax file number on file. The Yep. reason why we have it is because when we set up your superannuation fund, we needed to supply it to ensure that you weren't getting taxed as a person that wasn't as an Australian resident. So that's why we have that. So by you signing that, you just acknowledge that we're holding that on file for you. Yep.","start_word":4513,"end_word":4616,"sentiment":"neutral","sentiment_score":0.04022696986794472},{"text":"That's cool. Lovely.","start_word":4617,"end_word":4619,"sentiment":"positive","sentiment_score":0.5010405778884888},{"text":"So with the insurances, did you want me to give you some indicative prices via email before we go looking at a full recommendation so you can have a look at Yeah.","start_word":4620,"end_word":4651,"sentiment":"neutral","sentiment_score":0.10658599436283112},{"text":"That would be great.","start_word":4652,"end_word":4655,"sentiment":"positive","sentiment_score":0.7357873916625977},{"text":"yeah. And then we can go from there. Yeah. Okay. And then after that... And with that, I'll send you through that estate planning brochure for you to have a look at.","start_word":4656,"end_word":4687,"sentiment":"neutral","sentiment_score":0.13704755902290344},{"text":"Fantastic.","start_word":4688,"end_word":4688,"sentiment":"positive","sentiment_score":0.6459548473358154},{"text":"Do you have any questions for me, Steve? No.","start_word":4689,"end_word":4697,"sentiment":"neutral","sentiment_score":0.2075710296630859},{"text":"Because you cover everything so beautifully. Oh, thank you. That's lovely.","start_word":4698,"end_word":4708,"sentiment":"positive","sentiment_score":0.5932000279426575},{"text":"I mean, honestly, I... Everybody I've dealt with at Oakview has always been, like, on the ball. They know what they're talking about. And I'm just happy to, like, you know, like, as long as it's increasing, then let's just keep going the way we're going. Yeah.","start_word":4709,"end_word":4755,"sentiment":"neutral","sentiment_score":0.236735999584198},{"text":"That's good. That's good.","start_word":4756,"end_word":4759,"sentiment":"positive","sentiment_score":0.5195854306221008},{"text":"I can't promise it's gonna increase every year. We we are gonna have badges like the one that we've just had a negative return, but as Well, long of as we're course. as long as we're still... We're we're hitting As the long mark as we're heading and... in the right direction and going up, then, That's you know, right. I've got nothing to complain about. That's right. And next time we speak, I'm gonna be a little bit more, at your next review, a little bit more, probing in relation to retirement planning, so be prepared. Okay. Alright. Well, I'll send you through an email possibly tomorrow. I'll send it all at once. It'll just take me a little bit to get those insurance figures together. Yep. Yep. So probably tomorrow, I'll send that through for you to have Excellent a review, and then you can let me know what you wanna do with the insurances. stuff. And I'll also make sure that that beneficiary nomination sent through also. Yeah. And what you just sent to me now, all that paperwork, do I need to sign... You said I don't need to sign anything? Or Yeah. is You'd is that need coming? to... Yeah. You do need to sign those last two forms. So the fee form and Yep. the the tax That's file fine. number form. So you should be able to do that while you're in the document, and then I think you Yeah. hit submit or send or something like that, Okay. and that will come through to me anyway.","start_word":4760,"end_word":5023,"sentiment":"neutral","sentiment_score":0.06977358087897301},{"text":"Excellent. All good. Lovely. Alright. Well, I look forward to talking to you soon, and I'll get that information off to you ASAP. Thank you so much. Thank you. You're absolutely welcome. Enjoy your afternoon. Bye. You too. Cheers.","start_word":5024,"end_word":5062,"sentiment":"positive","sentiment_score":0.7048391103744507},{"text":"Bye. Bye.","start_word":5063,"end_word":5064,"sentiment":"neutral","sentiment_score":0.2450438141822815}],"average":{"sentiment":"neutral","sentiment_score":0.05510928414084695}}}}