{"metadata":{"transaction_key":"deprecated","request_id":"019d669d-f7ec-7681-8895-3367bf22eab1","sha256":"e4112a58e07d5eb7462a57aec7fc7c4b6aac17c14e8d0086d498eed0ea0153c8","created":"2026-04-07T06:25:24.235Z","duration":1093.9679,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":4402,"output_tokens":145},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4956,"output_tokens":4966},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4956,"output_tokens":550}},"results":{"channels":[{"alternatives":[{"transcript":"Good day, Lee. This is Tommy here, mate, senior adviser from Oakview. How are you doing today? Doing fantastic. It's a beautiful short week for the Easter long weekend, mate. How's it your end? Beautiful. Beautiful. Mate, I was just giving you a call to go through your annual review. Do you still have time for me? Perfect. Perfect. So before I send through your annual review pack, just wanna let you know that as usual, the calls are recorded for training and quality purposes. Are you you okay to confirm your date of birth and address for me for security, please? Thank you so much for that, mate. I've got a few updated documents to send through to you today. I've got some information here. We've just recently changed systems. So I'm gonna run through just quickly what we've got on file just to make sure all of your details are accurate and just see if there's been any major changes down your end, if that's alright. And before I do that, mate, anything in particular you would like to get out of today's annual review? Perfect. So just a bit of a general update, see if we need to make any changes, that kind of thing. Perfect. Perfect. Now for today's review, I'm gonna send the pack through to your Gmail account. Do you still have access to that one? Beautiful. I'll shoot that through now just so it comes through because it sometimes it takes a few minutes. This will have, like, your super performance on there, your certificate of currency for your ClearView policy, as well as, like, updated financial services guides with Oakview. So I'm gonna pop that through to you now. It may go through to your main inbox or your spam box, and I'm just gonna bring up your file. Let's have a look see here. So I've kind of spliced together the information that we had originally. So just let me know if all this is accurate. Goals wise, so you were trying to aim between the ages of 60 and 67 for retirement, obviously, a bit earlier if possible. Going for about yep. Earlier if possible. Fantastic. I think we just had a bit of, like, a tentative goal of about $1,500 a week in today's dollars tax free as just a bit of a North Star as we get closer to retirement. At this point, you wanna make sure that you're sort of debt free, make sure you're getting some good growth out of the super, and we did sort out a little bit on the insurance side. Is there anything else major going on in the next sort of one to five years for you? I swear that person said, no. That won't be alright. You were like, yep. That'll be alright. Yeah. Okay. Hey. Why not? Yeah. Perfect. End of the year. What type of trade are you looking for? Loving. Beautiful. And are you still at Fastway Civil Supplies at the moment? Cool. So I think we had you as, like, a sales admin earning about 63,000 approximately. 68. Thank you for that, sir. With the savings amount, I think you were trying to put away about $125 a week into savings. Has that gone up, down, stayed the same? I know cost of living has gone nuts. Yep. Stayed the same. That's fair enough. And how has everything been going for you with all of the petrol cost of living rates, all that kind of stuff? Is it okay? Yeah. Not wrong. Nice. Perfect. I think we had the house valued at about $6.50 last time, owing about $5.55. Has that kind of jumped up a bit? $5.20. I might just quickly put in the address on the old Googles and just see if there's any because I think the the valuations have jumped up, and they've got some estimates for you. Let me just have a quick look. And $5.20, do you think? Oh, jeez. Google's sorry. Property.com thinks that your property value with high confidence is now 726,000. That's pretty good. Yeah. Are you okay for me to put that in as the estimate for the time being? $5.30. Thank you for that, sir. Appreciate that. Other assets wise, I think we just had the car there valued at about 10 grands. We didn't really have anything listed as far as, like, savings or any other shares or crypto or anything like that. Yeah. Yeah. Nice. Okay. We got a nice little low fuel, low cost. I'm hoping it's like Corolla or something. RAV four. Awesome. And and you don't owe anything on that, I'm hoping? Perfect. So that's the old new RAV four, new slash old RAV four. Lee, you've never gone through bankruptcy or a part nine debt agreement before, have you? Perfect. It's just a bit of a new insolvency check that we do. Did you end up getting, like, a will or a power of attorney put in place on the old estate side of things? Yeah. It's it's so it's always nice to put in place. A couple of things I wanted to check with you today is so the will obviously covers your your personal assets, your shoes, your bank, your car, your house, and your beneficiary covers your superannuation, and there's a beneficiary for your life insurance as well. So that's kind of the triangle. Does that make sense? That's the one thing I wanted to sort of remind you on. Are we putting Emma down for the super and the life insurance if that's still needing to be done? Yep. And are you guys still defacto? Perfect. So I'll say beneficiary for both for the super and the life insurance. I'll double check the life insurance to see if that was put in place, and we'll send you out the forms for that. Once you get them, just make sure you get them like a it's like a wet signature and witnessed, and then you should be good to go. We usually give you, like, a cover letter and everything with some instructions, make it a little bit simple for you. But if you call the office, the team can walk you through it pretty easy. Yeah. Perfect. As long as it's not your beneficiary like Emma signing off on herself, that's perfect. Yeah. Yeah. It's fine as long as it's not the beneficiary themselves. Any adult over the age of 18 is fine. Beautiful. The reminder for the will and everything is just like, hey. Look. It's it's nice to put in place. Your situation isn't too complex. You can even do, like, a $25 will kit and power of attorney kit from the post office if you wanted to go that way rather than having to go source a a lawyer or something like that. Perfect. Two things I wanna go through with you was just a bit of an update on the super side of things. Do you log in and check the hub every now and then? That's alright. Couple of times is better than daily because people tend to panic themselves when the world's on fire. Awesome. Well, I've got some good news for you. It's actually still doing very well for the year despite the soft market going crazy. I'm looking at so the balance, you kind of surged from 42,000 up to 60 3,000, and it's dropped back down a little bit to 60 thousand, 60,450. Returns wise, we usually talk in percentages. And because you're in, like, a high growth where you're aiming for, like, 90 to 100%, like, shares property, like growth assets, you're aiming for, like, 10% plus would be good average. You've still cleared 15 and a half percent after fees for the last twelve months. Yeah. So compared to a lot of PeopleSuper that I've been reviewing the last three months, it's still going very strong, actually. I'm quite surprised. Not that I don't think our portfolios aren't amazing, but I just thought, you know, when a couple of those sectors we picked jumped up 30 to 90%, it was like, oh, that's carried us super quite well. So a couple of those very extremely high returns has kind of carried the weight for most of what's been going on, which is like battery tech, you know, like electric vehicles and a bit of the gold as well. So that's that's had a really strong one. A couple of things I think that we should probably update soon is your Australian shares, that one option, the Bennelong option's kind of underperformed a little bit, and it's kind of split off from the pack. Like, if the Aussie market's going up a little bit and all the other Aussie shares funds have gone up a bit, this one's actually dropped when the other funds have gone up. So out of about nine options, eight have done fantastic. One of them has done, I would guess, I would say, underperforming, and that's probably one that I would seek to just do a bit of an update to. Cool. Because you still have a good, again, 30 until retirement, are you okay to sort of stay in that high growth where it's just going for as high long term returns as you can? Yep. It's gonna be off and down like a roller coaster, but it just slowly stacks over the years. Yeah. And that's one of those things is when you're sitting at your current balance, like, because it's percentage based, 10% up or down is, like, $6. Once you've got half 1,000,000 sitting there, we're talking, like, 50 to $100 every time. So it gets a lot more extreme when you get closer to retirement, and we probably don't wanna leave you in high growth when you'll say 59 and you lose half your super year before you're gonna live off of it. Does that make sense? Perfect. When it comes to contributions, everything's coming through from work pretty okay. You're obviously looking to do a career change, so probably not the best time to be looking to do some salary sacrifice or anything like that. Probably better just to keep again, build your savings, pay off the mortgage, change careers, and then once all you've settled into that in a few years' time, we can revisit a few things like that if we need to. Yeah. Yeah. Look. If you're saving a $100 a week, I don't want you putting 50 of that into your super to lock away for thirty years when you've got a lot of priorities that you and them gonna need to do. Outside of that, last thing I wanted to run by you is just with your insurances with Clearview. So you've got just under 1,000,000 of life and TPD insurance. That's the total disability one. So if you pass away or can never work again, there's a million dollars just shy plus your super. That pays off the mortgage, leaves you with about half 1,000,000 left over to replace your income for a good sort of ten, fifteen years and helps Emma out. Price hasn't changed too much. You've got a policy anniversary coming up in June, which I would like to keep an eye on, but it's still sitting at about 1,689 a year. You get a 15% rebate off of that, and that comes out of the super. So I just wanna double check with you that scenario of your pass away mortgage paid off half a mil there. Is that too much, too little? Does it sound okay? K. Last one is the income protection. So you're insured for 3,420 a month worth of cover, which at the old 70% is protecting income of just shy of $60. So you're a tiny bit underinsured there. But, I mean, would you guys be okay with 3,400 a month coming in if you're out of work for more than a month? Yep. Perfect. Perfect. And waiting period and benefit period. So anything that puts you out for more than thirty days, you can claim on, and they'll pay you monthly up to five years for the one injury. And you can reclaim on that if you have different injuries and things like that. K. The only one you don't have is trauma cover. That's one that you've gotta pay out of pocket for heart attack, stroke, and cancer. You know, like, here's a $100 lump sum because I've had a heart attack or you want Emma to stay home with you for a little while. But, again, cash flow wise, I can get you a quote if you wanna have a look at that fourth insurance cover, but, again, you've got a lot going on. Yep. That's fine. As long as you're okay with, I guess, the the risks of, hey. If you have a heart attack, you go through the public health system. Emma's probably gonna have to look after you a little bit or lean on family. Beauty. So what I might do, mate, everything's pretty well stable. I'm gonna go through in the next couple of weeks and research just a bit of a switch for the investments inside the super just to get that Australian shares picked back up again. But other than that, we'll stay high growth. We'll let you change careers. We'll keep the insurances in place for the time being. Once you do change, we may have to alter the insurances a little bit and, again, revisit some salary sacrifice in about three years' time. Awesome. Any questions for me so far about what we've talked about? Perfect. We've sent you through the updated, like, service agreement and everything there, so the usual 1.65% for the fees. Are you still comfortable for us to look after the super for the next twelve months or so? Perfect. Fair enough. It seems like you you definitely like learning every year as well, and that's kind of what we aim for is just to kind of chip away at it over the years because, again, no one expects you to learn all of this in two, three conversations when we've been doing it for a decade. Awesome, mate. You have four few things to do with the house and everything, and I'm assuming you've got to get back to work soon. Fair enough. Even though you probably wanna go home and spend a bit of time there and switch around, that's okay. Mate, it's all looking pretty good. If you have any questions, the email I've sent you is from our new system, which is called Odoo, and it kind of doubles as, like, a file notes for your client profile and also like a DocuSign as well. So if you have any trouble with that digital sign, just give us a call, but it's pretty straightforward. Perfect. I'm just gonna do a quick little refresh, see if it's popped through on my end. Just bear with me, please. And you should get a pop up asking you if you would like to download, like, a signed copy for your records as well. Probably a good idea to grab that. Perfect. I'm just gonna grab and, yeah, that's come through to us there as well. So thank you for doing that, Lee. Easy done, mate. Team's gonna reach out to you probably in a fortnight just to book you in to go through that updated portfolio document with me, and I'll make sure you're you're sort of comfortable with what we're doing before we move things around. Awesome, dude. You have a fantastic week, and we'll talk to you in a couple of weeks. Thanks, mate. 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day, Lee. This is Tommy here, mate, senior adviser from Oakview. How are you doing today? Doing fantastic. It's a beautiful short week for the Easter long weekend, mate.\n\nHow's it your end? Beautiful. Beautiful. Mate, I was just giving you a call to go through your annual review. Do you still have time for me?\n\nPerfect. Perfect. So before I send through your annual review pack, just wanna let you know that as usual, the calls are recorded for training and quality purposes. Are you you okay to confirm your date of birth and address for me for security, please? Thank you so much for that, mate.\n\nI've got a few updated documents to send through to you today. I've got some information here. We've just recently changed systems. So I'm gonna run through just quickly what we've got on file just to make sure all of your details are accurate and just see if there's been any major changes down your end, if that's alright. And before I do that, mate, anything in particular you would like to get out of today's annual review?\n\nPerfect. So just a bit of a general update, see if we need to make any changes, that kind of thing. Perfect. Perfect. Now for today's review, I'm gonna send the pack through to your Gmail account.\n\nDo you still have access to that one? Beautiful. I'll shoot that through now just so it comes through because it sometimes it takes a few minutes. This will have, like, your super performance on there, your certificate of currency for your ClearView policy, as well as, like, updated financial services guides with Oakview. So I'm gonna pop that through to you now.\n\nIt may go through to your main inbox or your spam box, and I'm just gonna bring up your file. Let's have a look see here. So I've kind of spliced together the information that we had originally. So just let me know if all this is accurate. Goals wise, so you were trying to aim between the ages of 60 and 67 for retirement, obviously, a bit earlier if possible.\n\nGoing for about yep. Earlier if possible. Fantastic. I think we just had a bit of, like, a tentative goal of about $1,500 a week in today's dollars tax free as just a bit of a North Star as we get closer to retirement. At this point, you wanna make sure that you're sort of debt free, make sure you're getting some good growth out of the super, and we did sort out a little bit on the insurance side.\n\nIs there anything else major going on in the next sort of one to five years for you? I swear that person said, no. That won't be alright. You were like, yep. That'll be alright.\n\nYeah. Okay. Hey. Why not? Yeah.\n\nPerfect. End of the year. What type of trade are you looking for? Loving. Beautiful.\n\nAnd are you still at Fastway Civil Supplies at the moment? Cool. So I think we had you as, like, a sales admin earning about 63,000 approximately. 68. Thank you for that, sir.\n\nWith the savings amount, I think you were trying to put away about $125 a week into savings. Has that gone up, down, stayed the same? I know cost of living has gone nuts. Yep. Stayed the same.\n\nThat's fair enough. And how has everything been going for you with all of the petrol cost of living rates, all that kind of stuff? Is it okay? Yeah. Not wrong.\n\nNice. Perfect. I think we had the house valued at about $6.50 last time, owing about $5.55. Has that kind of jumped up a bit? $5.20.\n\nI might just quickly put in the address on the old Googles and just see if there's any because I think the the valuations have jumped up, and they've got some estimates for you. Let me just have a quick look. And $5.20, do you think? Oh, jeez. Google's sorry.\n\nProperty.com thinks that your property value with high confidence is now 726,000. That's pretty good. Yeah. Are you okay for me to put that in as the estimate for the time being? $5.30.\n\nThank you for that, sir. Appreciate that. Other assets wise, I think we just had the car there valued at about 10 grands. We didn't really have anything listed as far as, like, savings or any other shares or crypto or anything like that. Yeah.\n\nYeah. Nice. Okay. We got a nice little low fuel, low cost. I'm hoping it's like Corolla or something.\n\nRAV four. Awesome. And and you don't owe anything on that, I'm hoping? Perfect. So that's the old new RAV four, new slash old RAV four.\n\nLee, you've never gone through bankruptcy or a part nine debt agreement before, have you? Perfect. It's just a bit of a new insolvency check that we do. Did you end up getting, like, a will or a power of attorney put in place on the old estate side of things? Yeah.\n\nIt's it's so it's always nice to put in place. A couple of things I wanted to check with you today is so the will obviously covers your your personal assets, your shoes, your bank, your car, your house, and your beneficiary covers your superannuation, and there's a beneficiary for your life insurance as well. So that's kind of the triangle. Does that make sense? That's the one thing I wanted to sort of remind you on.\n\nAre we putting Emma down for the super and the life insurance if that's still needing to be done? Yep. And are you guys still defacto? Perfect. So I'll say beneficiary for both for the super and the life insurance.\n\nI'll double check the life insurance to see if that was put in place, and we'll send you out the forms for that. Once you get them, just make sure you get them like a it's like a wet signature and witnessed, and then you should be good to go. We usually give you, like, a cover letter and everything with some instructions, make it a little bit simple for you. But if you call the office, the team can walk you through it pretty easy. Yeah.\n\nPerfect. As long as it's not your beneficiary like Emma signing off on herself, that's perfect. Yeah. Yeah. It's fine as long as it's not the beneficiary themselves.\n\nAny adult over the age of 18 is fine. Beautiful. The reminder for the will and everything is just like, hey. Look. It's it's nice to put in place.\n\nYour situation isn't too complex. You can even do, like, a $25 will kit and power of attorney kit from the post office if you wanted to go that way rather than having to go source a a lawyer or something like that. Perfect. Two things I wanna go through with you was just a bit of an update on the super side of things. Do you log in and check the hub every now and then?\n\nThat's alright. Couple of times is better than daily because people tend to panic themselves when the world's on fire. Awesome. Well, I've got some good news for you. It's actually still doing very well for the year despite the soft market going crazy.\n\nI'm looking at so the balance, you kind of surged from 42,000 up to 60 3,000, and it's dropped back down a little bit to 60 thousand, 60,450. Returns wise, we usually talk in percentages. And because you're in, like, a high growth where you're aiming for, like, 90 to 100%, like, shares property, like growth assets, you're aiming for, like, 10% plus would be good average. You've still cleared 15 and a half percent after fees for the last twelve months. Yeah.\n\nSo compared to a lot of PeopleSuper that I've been reviewing the last three months, it's still going very strong, actually. I'm quite surprised. Not that I don't think our portfolios aren't amazing, but I just thought, you know, when a couple of those sectors we picked jumped up 30 to 90%, it was like, oh, that's carried us super quite well. So a couple of those very extremely high returns has kind of carried the weight for most of what's been going on, which is like battery tech, you know, like electric vehicles and a bit of the gold as well. So that's that's had a really strong one.\n\nA couple of things I think that we should probably update soon is your Australian shares, that one option, the Bennelong option's kind of underperformed a little bit, and it's kind of split off from the pack. Like, if the Aussie market's going up a little bit and all the other Aussie shares funds have gone up a bit, this one's actually dropped when the other funds have gone up. So out of about nine options, eight have done fantastic. One of them has done, I would guess, I would say, underperforming, and that's probably one that I would seek to just do a bit of an update to. Cool.\n\nBecause you still have a good, again, 30 until retirement, are you okay to sort of stay in that high growth where it's just going for as high long term returns as you can? Yep. It's gonna be off and down like a roller coaster, but it just slowly stacks over the years. Yeah. And that's one of those things is when you're sitting at your current balance, like, because it's percentage based, 10% up or down is, like, $6.\n\nOnce you've got half 1,000,000 sitting there, we're talking, like, 50 to $100 every time. So it gets a lot more extreme when you get closer to retirement, and we probably don't wanna leave you in high growth when you'll say 59 and you lose half your super year before you're gonna live off of it. Does that make sense? Perfect. When it comes to contributions, everything's coming through from work pretty okay.\n\nYou're obviously looking to do a career change, so probably not the best time to be looking to do some salary sacrifice or anything like that. Probably better just to keep again, build your savings, pay off the mortgage, change careers, and then once all you've settled into that in a few years' time, we can revisit a few things like that if we need to. Yeah. Yeah. Look.\n\nIf you're saving a $100 a week, I don't want you putting 50 of that into your super to lock away for thirty years when you've got a lot of priorities that you and them gonna need to do. Outside of that, last thing I wanted to run by you is just with your insurances with Clearview. So you've got just under 1,000,000 of life and TPD insurance. That's the total disability one. So if you pass away or can never work again, there's a million dollars just shy plus your super.\n\nThat pays off the mortgage, leaves you with about half 1,000,000 left over to replace your income for a good sort of ten, fifteen years and helps Emma out. Price hasn't changed too much. You've got a policy anniversary coming up in June, which I would like to keep an eye on, but it's still sitting at about 1,689 a year. You get a 15% rebate off of that, and that comes out of the super. So I just wanna double check with you that scenario of your pass away mortgage paid off half a mil there.\n\nIs that too much, too little? Does it sound okay? K. Last one is the income protection. So you're insured for 3,420 a month worth of cover, which at the old 70% is protecting income of just shy of $60.\n\nSo you're a tiny bit underinsured there. But, I mean, would you guys be okay with 3,400 a month coming in if you're out of work for more than a month? Yep. Perfect. Perfect.\n\nAnd waiting period and benefit period. So anything that puts you out for more than thirty days, you can claim on, and they'll pay you monthly up to five years for the one injury. And you can reclaim on that if you have different injuries and things like that. K. The only one you don't have is trauma cover.\n\nThat's one that you've gotta pay out of pocket for heart attack, stroke, and cancer. You know, like, here's a $100 lump sum because I've had a heart attack or you want Emma to stay home with you for a little while. But, again, cash flow wise, I can get you a quote if you wanna have a look at that fourth insurance cover, but, again, you've got a lot going on. Yep. That's fine.\n\nAs long as you're okay with, I guess, the the risks of, hey. If you have a heart attack, you go through the public health system. Emma's probably gonna have to look after you a little bit or lean on family. Beauty. So what I might do, mate, everything's pretty well stable.\n\nI'm gonna go through in the next couple of weeks and research just a bit of a switch for the investments inside the super just to get that Australian shares picked back up again. But other than that, we'll stay high growth. We'll let you change careers. We'll keep the insurances in place for the time being. Once you do change, we may have to alter the insurances a little bit and, again, revisit some salary sacrifice in about three years' time.\n\nAwesome. Any questions for me so far about what we've talked about? Perfect. We've sent you through the updated, like, service agreement and everything there, so the usual 1.65% for the fees. Are you still comfortable for us to look after the super for the next twelve months or so?\n\nPerfect. Fair enough. It seems like you you definitely like learning every year as well, and that's kind of what we aim for is just to kind of chip away at it over the years because, again, no one expects you to learn all of this in two, three conversations when we've been doing it for a decade. Awesome, mate. You have four few things to do with the house and everything, and I'm assuming you've got to get back to work soon.\n\nFair enough. Even though you probably wanna go home and spend a bit of time there and switch around, that's okay. Mate, it's all looking pretty good. If you have any questions, the email I've sent you is from our new system, which is called Odoo, and it kind of doubles as, like, a file notes for your client profile and also like a DocuSign as well. So if you have any trouble with that digital sign, just give us a call, but it's pretty straightforward.\n\nPerfect. I'm just gonna do a quick little refresh, see if it's popped through on my end. Just bear with me, please. And you should get a pop up asking you if you would like to download, like, a signed copy for your records as well. Probably a good idea to grab that.\n\nPerfect. I'm just gonna grab and, yeah, that's come through to us there as well. So thank you for doing that, Lee. Easy done, mate. Team's gonna reach out to you probably in a fortnight just to book you in to go through that updated portfolio document with me, and I'll make sure you're you're sort of comfortable with what we're doing before we move things around.\n\nAwesome, dude. You have a fantastic week, and we'll talk to you in a couple of weeks. Thanks, mate. See you later.","paragraphs":[{"sentences":[{"text":"Good day, Lee.","start":4.24,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.30919379989306134},{"text":"This is Tommy here, mate, senior adviser from Oakview.","start":4.7999997,"end":7.12,"sentiment":"neutral","sentiment_score":0.22201132443216112},{"text":"How are you doing today?","start":7.12,"end":8.18,"sentiment":"neutral","sentiment_score":0.16571904122829437},{"text":"Doing fantastic.","start":9.84,"end":10.66,"sentiment":"positive","sentiment_score":0.7586281895637512},{"text":"It's a beautiful short week for the Easter long weekend, mate.","start":10.8,"end":14.48,"sentiment":"positive","sentiment_score":0.6556332815777172}],"sentiment":"positive","sentiment_score":0.41611670007308327,"num_words":30,"start":4.24,"end":14.48},{"sentences":[{"text":"How's it your end?","start":14.48,"end":15.615,"sentiment":"neutral","sentiment_score":0.19816899113357067},{"text":"Beautiful.","start":17.695,"end":18.175,"sentiment":"neutral","sentiment_score":0.28319233655929565},{"text":"Beautiful.","start":18.175,"end":18.494999,"sentiment":"neutral","sentiment_score":0.2876591682434082},{"text":"Mate, I was just giving you a call to go through your annual review.","start":18.494999,"end":21.135,"sentiment":"neutral","sentiment_score":0.08299859932490758},{"text":"Do you still have time for me?","start":21.135,"end":22.675,"sentiment":"neutral","sentiment_score":0.031247746465461596}],"sentiment":"neutral","sentiment_score":0.10163859574607124,"num_words":27,"start":14.48,"end":22.675},{"sentences":[{"text":"Perfect.","start":24.175,"end":24.654999,"sentiment":"positive","sentiment_score":0.4038587808609009},{"text":"Perfect.","start":24.654999,"end":25.055,"sentiment":"neutral","sentiment_score":0.30179378390312195},{"text":"So before I send through your annual review pack, just wanna let you know that as usual, the calls are recorded for training and quality purposes.","start":25.055,"end":32.29,"sentiment":"neutral","sentiment_score":0.09629716222675946},{"text":"Are you you okay to confirm your date of birth and address for me for security, please?","start":33.39,"end":38.61,"sentiment":"neutral","sentiment_score":0.06072413921356201},{"text":"Thank you so much for that, mate.","start":52.460003,"end":54.32,"sentiment":"positive","sentiment_score":0.5360506432397025}],"sentiment":"neutral","sentiment_score":0.15373160869169694,"num_words":52,"start":24.175,"end":54.32},{"sentences":[{"text":"I've got a few updated documents to send through to you today.","start":54.620003,"end":58.24,"sentiment":"positive","sentiment_score":0.405816671748956},{"text":"I've got some information here.","start":58.940002,"end":60.620003,"sentiment":"neutral","sentiment_score":0.05949242562055588},{"text":"We've just recently changed systems.","start":60.620003,"end":62.88,"sentiment":"neutral","sentiment_score":0.024963290989398958},{"text":"So I'm gonna run through just quickly what we've got on file just to make sure all of your details are accurate and just see if there's been any major changes down your end, if that's alright.","start":63.260002,"end":72.165,"sentiment":"neutral","sentiment_score":0.08936941774713027},{"text":"And before I do that, mate, anything in particular you would like to get out of today's annual review?","start":73.185005,"end":77.765,"sentiment":"neutral","sentiment_score":0.032024544614710306}],"sentiment":"neutral","sentiment_score":0.11804119805590464,"num_words":78,"start":54.620003,"end":77.765},{"sentences":[{"text":"Perfect.","start":83.3,"end":83.62,"sentiment":"neutral","sentiment_score":0.10782282054424286},{"text":"So just a bit of a general update, see if we need to make any changes, that kind of thing.","start":83.62,"end":87.560005,"sentiment":"neutral","sentiment_score":0.04899787977337837},{"text":"Perfect.","start":88.98,"end":89.380005,"sentiment":"neutral","sentiment_score":0.14833706617355347},{"text":"Perfect.","start":89.380005,"end":89.880005,"sentiment":"neutral","sentiment_score":0.15563645958900452},{"text":"Now for today's review, I'm gonna send the pack through to your Gmail account.","start":90.675,"end":94.275,"sentiment":"neutral","sentiment_score":0.09005480419312205}],"sentiment":"neutral","sentiment_score":0.07168976217508316,"num_words":37,"start":83.3,"end":94.275},{"sentences":[{"text":"Do you still have access to that one?","start":94.275,"end":96.455,"sentiment":"neutral","sentiment_score":0.029887452954426408},{"text":"Beautiful.","start":97.795,"end":98.195,"sentiment":"positive","sentiment_score":0.34479010105133057},{"text":"I'll shoot that through now just so it comes through because it sometimes it takes a few minutes.","start":98.195,"end":102.135,"sentiment":"neutral","sentiment_score":0.18113444455795819},{"text":"This will have, like, your super performance on there, your certificate of currency for your ClearView policy, as well as, like, updated financial services guides with Oakview.","start":103.18,"end":113.6,"sentiment":"neutral","sentiment_score":0.19272208324185125},{"text":"So I'm gonna pop that through to you now.","start":115.355,"end":117.775,"sentiment":"neutral","sentiment_score":0.0640704987777604}],"sentiment":"neutral","sentiment_score":0.15276889624221932,"num_words":63,"start":94.275,"end":117.775},{"sentences":[{"text":"It may go through to your main inbox or your spam box, and I'm just gonna bring up your file.","start":118.075005,"end":123.69501,"sentiment":"neutral","sentiment_score":0.03387355823069811},{"text":"Let's have a look see here.","start":124.235,"end":126.015,"sentiment":"neutral","sentiment_score":0.04792802346249422},{"text":"So I've kind of spliced together the information that we had originally.","start":126.475006,"end":130.04999,"sentiment":"neutral","sentiment_score":0.07626456456879775},{"text":"So just let me know if all this is accurate.","start":130.04999,"end":132.06999,"sentiment":"neutral","sentiment_score":0.09713278785347938},{"text":"Goals wise, so you were trying to aim between the ages of 60 and 67 for retirement, obviously, a bit earlier if possible.","start":133.65,"end":141.67,"sentiment":"neutral","sentiment_score":0.0743985121016917}],"sentiment":"neutral","sentiment_score":0.06426348925476343,"num_words":71,"start":118.075005,"end":141.67},{"sentences":[{"text":"Going for about yep.","start":141.97,"end":146.295,"sentiment":"neutral","sentiment_score":0.05277378577739},{"text":"Earlier if possible.","start":146.295,"end":147.175,"sentiment":"neutral","sentiment_score":0.15168704589207968},{"text":"Fantastic.","start":147.175,"end":147.675,"sentiment":"positive","sentiment_score":0.7738018035888672},{"text":"I think we just had a bit of, like, a tentative goal of about $1,500 a week in today's dollars tax free as just a bit of a North Star as we get closer to retirement.","start":148.295,"end":157.91501,"sentiment":"neutral","sentiment_score":0.3323967518905799},{"text":"At this point, you wanna make sure that you're sort of debt free, make sure you're getting some good growth out of the super, and we did sort out a little bit on the insurance side.","start":160.22,"end":168.8,"sentiment":"neutral","sentiment_score":0.20517098613911205}],"sentiment":"neutral","sentiment_score":0.2599049581680447,"num_words":80,"start":141.97,"end":168.8},{"sentences":[{"text":"Is there anything else major going on in the next sort of one to five years for you?","start":168.94,"end":174.195,"sentiment":"neutral","sentiment_score":0.012428869907226827},{"text":"I swear that person said, no.","start":185.79501,"end":186.99501,"sentiment":"neutral","sentiment_score":-0.08439585690697034},{"text":"That won't be alright.","start":186.99501,"end":187.875,"sentiment":"neutral","sentiment_score":-0.18613864853978157},{"text":"You were like, yep.","start":187.875,"end":188.85501,"sentiment":"neutral","sentiment_score":-0.09049118123948574},{"text":"That'll be alright.","start":190.02,"end":196.2,"sentiment":"neutral","sentiment_score":-0.018859324355920155}],"sentiment":"neutral","sentiment_score":-0.041307222151330536,"num_words":35,"start":168.94,"end":196.2},{"sentences":[{"text":"Yeah.","start":199.45999,"end":199.86,"sentiment":"neutral","sentiment_score":0.020595140755176544},{"text":"Okay.","start":199.86,"end":200.36,"sentiment":"neutral","sentiment_score":0.032067589461803436},{"text":"Hey.","start":210.595,"end":210.995,"sentiment":"neutral","sentiment_score":0.03611535206437111},{"text":"Why not?","start":210.995,"end":211.735,"sentiment":"neutral","sentiment_score":0.006032632663846016},{"text":"Yeah.","start":218.61,"end":218.93,"sentiment":"neutral","sentiment_score":0.16249439120292664}],"sentiment":"neutral","sentiment_score":0.04388962313532829,"num_words":6,"start":199.45999,"end":218.93},{"sentences":[{"text":"Perfect.","start":218.93,"end":219.33,"sentiment":"positive","sentiment_score":0.35085493326187134},{"text":"End of the year.","start":219.33,"end":219.97,"sentiment":"neutral","sentiment_score":0.1292813289910555},{"text":"What type of trade are you looking for?","start":219.97,"end":221.75,"sentiment":"neutral","sentiment_score":0.031436592573300004},{"text":"Loving.","start":224.12999,"end":224.61,"sentiment":"positive","sentiment_score":0.5316516160964966},{"text":"Beautiful.","start":224.61,"end":225.09,"sentiment":"neutral","sentiment_score":0.08620874583721161}],"sentiment":"neutral","sentiment_score":0.11582222344974677,"num_words":15,"start":218.93,"end":225.09},{"sentences":[{"text":"And are you still at Fastway Civil Supplies at the moment?","start":225.09,"end":227.98999,"sentiment":"neutral","sentiment_score":0.02479390131140297},{"text":"Cool.","start":229.19499,"end":229.515,"sentiment":"neutral","sentiment_score":0.27651911973953247},{"text":"So I think we had you as, like, a sales admin earning about 63,000 approximately.","start":229.515,"end":233.855,"sentiment":"neutral","sentiment_score":0.09210482959945997},{"text":"68.","start":238.235,"end":238.875,"sentiment":"neutral","sentiment_score":0.08463631570339203},{"text":"Thank you for that, sir.","start":238.875,"end":240.175,"sentiment":"positive","sentiment_score":0.6305090665817261}],"sentiment":"neutral","sentiment_score":0.15660624626572384,"num_words":33,"start":225.09,"end":240.175},{"sentences":[{"text":"With the savings amount, I think you were trying to put away about $125 a week into savings.","start":240.875,"end":246.11,"sentiment":"neutral","sentiment_score":0.1643861892322699},{"text":"Has that gone up, down, stayed the same?","start":246.11,"end":247.71,"sentiment":"neutral","sentiment_score":0.0413736361078918},{"text":"I know cost of living has gone nuts.","start":247.71,"end":249.73001,"sentiment":"neutral","sentiment_score":-0.1769932578317821},{"text":"Yep.","start":253.79001,"end":254.29001,"sentiment":"neutral","sentiment_score":0.10069971531629562},{"text":"Stayed the same.","start":254.43001,"end":255.15001,"sentiment":"neutral","sentiment_score":0.153083066145579}],"sentiment":"neutral","sentiment_score":0.0640511406879676,"num_words":38,"start":240.875,"end":255.15001},{"sentences":[{"text":"That's fair enough.","start":255.15001,"end":256.21002,"sentiment":"neutral","sentiment_score":0.14906010031700134},{"text":"And how has everything been going for you with all of the petrol cost of living rates, all that kind of stuff?","start":256.67502,"end":261.39502,"sentiment":"neutral","sentiment_score":0.04541370526633479},{"text":"Is it okay?","start":261.39502,"end":262.135,"sentiment":"neutral","sentiment_score":0.059771495560805},{"text":"Yeah.","start":265.475,"end":265.975,"sentiment":"neutral","sentiment_score":0.06829573214054108},{"text":"Not wrong.","start":266.035,"end":266.77502,"sentiment":"neutral","sentiment_score":0.010643541812896729}],"sentiment":"neutral","sentiment_score":0.05532835868577803,"num_words":31,"start":255.15001,"end":266.77502},{"sentences":[{"text":"Nice.","start":276.45,"end":276.95,"sentiment":"neutral","sentiment_score":0.2834468483924866},{"text":"Perfect.","start":280.21,"end":280.69,"sentiment":"positive","sentiment_score":0.4327740669250488},{"text":"I think we had the house valued at about $6.50 last time, owing about $5.55.","start":280.69,"end":285.485,"sentiment":"neutral","sentiment_score":0.09941395769516627},{"text":"Has that kind of jumped up a bit?","start":285.485,"end":287.345,"sentiment":"neutral","sentiment_score":0.029732015682384372},{"text":"$5.20.","start":300.06,"end":300.96002,"sentiment":"neutral","sentiment_score":0.003624720498919487}],"sentiment":"neutral","sentiment_score":0.09418888948857784,"num_words":26,"start":276.45,"end":300.96002},{"sentences":[{"text":"I might just quickly put in the address on the old Googles and just see if there's any because I think the the valuations have jumped up, and they've got some estimates for you.","start":301.42,"end":312.925,"sentiment":"neutral","sentiment_score":0.006403180770576},{"text":"Let me just have a quick look.","start":312.985,"end":314.605,"sentiment":"neutral","sentiment_score":0.07097744675619262},{"text":"And $5.20, do you think?","start":314.985,"end":316.76498,"sentiment":"neutral","sentiment_score":0.04911665618419647},{"text":"Oh, jeez.","start":327.0,"end":327.66,"sentiment":"neutral","sentiment_score":0.07357354089617729},{"text":"Google's sorry.","start":328.36002,"end":329.88,"sentiment":"neutral","sentiment_score":0.022112805396318436}],"sentiment":"neutral","sentiment_score":0.023030124939978122,"num_words":50,"start":301.42,"end":329.88},{"sentences":[{"text":"Property.com thinks that your property value with high confidence is now 726,000.","start":329.88,"end":335.74002,"sentiment":"neutral","sentiment_score":0.22836142281691232},{"text":"That's pretty good.","start":338.06497,"end":339.205,"sentiment":"positive","sentiment_score":0.411417822043101},{"text":"Yeah.","start":342.38498,"end":342.88498,"sentiment":"neutral","sentiment_score":0.11644164472818376},{"text":"Are you okay for me to put that in as the estimate for the time being?","start":343.025,"end":346.16498,"sentiment":"neutral","sentiment_score":0.12650971207767725},{"text":"$5.30.","start":356.1,"end":356.82,"sentiment":"neutral","sentiment_score":0.03362831845879555}],"sentiment":"neutral","sentiment_score":0.18632775443521413,"num_words":33,"start":329.88,"end":356.82},{"sentences":[{"text":"Thank you for that, sir.","start":356.82,"end":357.86,"sentiment":"positive","sentiment_score":0.6998128890991211},{"text":"Appreciate that.","start":357.86,"end":358.84,"sentiment":"positive","sentiment_score":0.5818738639354706},{"text":"Other assets wise, I think we just had the car there valued at about 10 grands.","start":360.935,"end":364.715,"sentiment":"neutral","sentiment_score":0.020773583208210766},{"text":"We didn't really have anything listed as far as, like, savings or any other shares or crypto or anything like that.","start":364.935,"end":370.475,"sentiment":"neutral","sentiment_score":-0.023631040450362933},{"text":"Yeah.","start":376.94998,"end":377.19,"sentiment":"neutral","sentiment_score":0.01074819266796112}],"sentiment":"neutral","sentiment_score":0.10021524106462797,"num_words":45,"start":356.82,"end":377.19},{"sentences":[{"text":"Yeah.","start":377.19,"end":377.69,"sentiment":"neutral","sentiment_score":0.017826057970523834},{"text":"Nice.","start":381.51,"end":382.01,"sentiment":"positive","sentiment_score":0.35186415910720825},{"text":"Okay.","start":382.71,"end":383.21,"sentiment":"neutral","sentiment_score":0.23238560557365415},{"text":"We got a nice little low fuel, low cost.","start":383.27,"end":385.66998,"sentiment":"positive","sentiment_score":0.34645547138320076},{"text":"I'm hoping it's like Corolla or something.","start":385.66998,"end":387.44998,"sentiment":"neutral","sentiment_score":0.1067004416670118}],"sentiment":"neutral","sentiment_score":0.23510937667206713,"num_words":19,"start":377.19,"end":387.44998},{"sentences":[{"text":"RAV four.","start":389.94498,"end":390.66498,"sentiment":"neutral","sentiment_score":0.011191787663847208},{"text":"Awesome.","start":390.66498,"end":390.905,"sentiment":"neutral","sentiment_score":0.23542919754981995},{"text":"And and you don't owe anything on that, I'm hoping?","start":390.905,"end":394.44498,"sentiment":"neutral","sentiment_score":0.016827009618282318},{"text":"Perfect.","start":396.185,"end":396.685,"sentiment":"neutral","sentiment_score":0.08317449688911438},{"text":"So that's the old new RAV four, new slash old RAV four.","start":396.745,"end":400.76498,"sentiment":"neutral","sentiment_score":0.004496306219759087}],"sentiment":"neutral","sentiment_score":0.021662040022560038,"num_words":26,"start":389.94498,"end":400.76498},{"sentences":[{"text":"Lee, you've never gone through bankruptcy or a part nine debt agreement before, have you?","start":402.69,"end":406.47,"sentiment":"neutral","sentiment_score":-0.030251148467262585},{"text":"Perfect.","start":407.72998,"end":408.13,"sentiment":"neutral","sentiment_score":0.021160654723644257},{"text":"It's just a bit of a new insolvency check that we do.","start":408.13,"end":411.11,"sentiment":"neutral","sentiment_score":-0.04104660529022416},{"text":"Did you end up getting, like, a will or a power of attorney put in place on the old estate side of things?","start":411.25,"end":416.87,"sentiment":"neutral","sentiment_score":-0.020384125249541325},{"text":"Yeah.","start":423.305,"end":423.705,"sentiment":"neutral","sentiment_score":0.06315156072378159}],"sentiment":"neutral","sentiment_score":-0.025593252995839484,"num_words":52,"start":402.69,"end":423.705},{"sentences":[{"text":"It's it's so it's always nice to put in place.","start":423.705,"end":426.10498,"sentiment":"neutral","sentiment_score":0.1647247150540352},{"text":"A couple of things I wanted to check with you today is so the will obviously covers your your personal assets, your shoes, your bank, your car, your house, and your beneficiary covers your superannuation, and there's a beneficiary for your life insurance as well.","start":426.10498,"end":442.09998,"sentiment":"neutral","sentiment_score":0.0703626823094156},{"text":"So that's kind of the triangle.","start":442.09998,"end":443.53998,"sentiment":"neutral","sentiment_score":0.022344714651505154},{"text":"Does that make sense?","start":443.53998,"end":444.59998,"sentiment":"neutral","sentiment_score":0.017560666427016258},{"text":"That's the one thing I wanted to sort of remind you on.","start":448.855,"end":452.155,"sentiment":"neutral","sentiment_score":-0.009175125819941362}],"sentiment":"neutral","sentiment_score":0.06373736750963446,"num_words":77,"start":423.705,"end":452.155},{"sentences":[{"text":"Are we putting Emma down for the super and the life insurance if that's still needing to be done?","start":452.375,"end":457.755,"sentiment":"neutral","sentiment_score":-0.014898545451854405},{"text":"Yep.","start":460.41,"end":460.72998,"sentiment":"neutral","sentiment_score":0.03960583731532097},{"text":"And are you guys still defacto?","start":460.72998,"end":462.19,"sentiment":"neutral","sentiment_score":0.01820658923437198},{"text":"Perfect.","start":463.93,"end":464.43,"sentiment":"positive","sentiment_score":0.48809656500816345},{"text":"So I'll say beneficiary for both for the super and the life insurance.","start":464.56998,"end":468.97,"sentiment":"neutral","sentiment_score":0.2228409338455934}],"sentiment":"neutral","sentiment_score":0.08127004285342991,"num_words":40,"start":452.375,"end":468.97},{"sentences":[{"text":"I'll double check the life insurance to see if that was put in place, and we'll send you out the forms for that.","start":468.97,"end":474.355,"sentiment":"neutral","sentiment_score":0.16576457509528036},{"text":"Once you get them, just make sure you get them like a it's like a wet signature and witnessed, and then you should be good to go.","start":474.815,"end":481.775,"sentiment":"neutral","sentiment_score":0.2718426485856374},{"text":"We usually give you, like, a cover letter and everything with some instructions, make it a little bit simple for you.","start":481.775,"end":485.855,"sentiment":"neutral","sentiment_score":0.28272990527607145},{"text":"But if you call the office, the team can walk you through it pretty easy.","start":485.855,"end":489.18,"sentiment":"neutral","sentiment_score":0.31467318137486777},{"text":"Yeah.","start":499.015,"end":499.33502,"sentiment":"neutral","sentiment_score":0.12691272795200348}],"sentiment":"neutral","sentiment_score":0.25214569193535835,"num_words":87,"start":468.97,"end":499.33502},{"sentences":[{"text":"Perfect.","start":499.33502,"end":499.73502,"sentiment":"neutral","sentiment_score":0.24617581069469452},{"text":"As long as it's not your beneficiary like Emma signing off on herself, that's perfect.","start":499.73502,"end":503.995,"sentiment":"neutral","sentiment_score":0.03440211651225885},{"text":"Yeah.","start":507.015,"end":507.255,"sentiment":"neutral","sentiment_score":0.03946503251791},{"text":"Yeah.","start":507.255,"end":507.415,"sentiment":"neutral","sentiment_score":0.05262349918484688},{"text":"It's fine as long as it's not the beneficiary themselves.","start":507.415,"end":509.655,"sentiment":"neutral","sentiment_score":0.06800493746995925}],"sentiment":"neutral","sentiment_score":0.054798052313604524,"num_words":28,"start":499.33502,"end":509.655},{"sentences":[{"text":"Any adult over the age of 18 is fine.","start":509.655,"end":512.31,"sentiment":"neutral","sentiment_score":0.04155865104662047},{"text":"Beautiful.","start":514.15,"end":514.65,"sentiment":"positive","sentiment_score":0.5655601024627686},{"text":"The reminder for the will and everything is just like, hey.","start":515.02997,"end":517.35,"sentiment":"neutral","sentiment_score":0.33317823030731897},{"text":"Look.","start":517.35,"end":517.67,"sentiment":"positive","sentiment_score":0.33572667837142944},{"text":"It's it's nice to put in place.","start":517.67,"end":519.29,"sentiment":"positive","sentiment_score":0.5195504171507699}],"sentiment":"neutral","sentiment_score":0.29576303771343726,"num_words":29,"start":509.655,"end":519.29},{"sentences":[{"text":"Your situation isn't too complex.","start":519.83,"end":522.01,"sentiment":"positive","sentiment_score":0.3677372455596924},{"text":"You can even do, like, a $25 will kit and power of attorney kit from the post office if you wanted to go that way rather than having to go source a a lawyer or something like that.","start":522.23,"end":532.855,"sentiment":"neutral","sentiment_score":0.21073110431040587},{"text":"Perfect.","start":535.235,"end":535.735,"sentiment":"positive","sentiment_score":0.5359657406806946},{"text":"Two things I wanna go through with you was just a bit of an update on the super side of things.","start":538.85004,"end":542.87,"sentiment":"neutral","sentiment_score":0.21046300019536698},{"text":"Do you log in and check the hub every now and then?","start":542.93,"end":545.67,"sentiment":"neutral","sentiment_score":0.02972124159956972}],"sentiment":"neutral","sentiment_score":0.19686768617626135,"num_words":77,"start":519.83,"end":545.67},{"sentences":[{"text":"That's alright.","start":553.905,"end":554.72504,"sentiment":"neutral","sentiment_score":0.019358082674443722},{"text":"Couple of times is better than daily because people tend to panic themselves when the world's on fire.","start":555.98505,"end":560.565,"sentiment":"neutral","sentiment_score":-0.1627505444921553},{"text":"Awesome.","start":569.04,"end":569.51996,"sentiment":"positive","sentiment_score":0.5521733164787292},{"text":"Well, I've got some good news for you.","start":569.51996,"end":571.69995,"sentiment":"positive","sentiment_score":0.5026738531887531},{"text":"It's actually still doing very well for the year despite the soft market going crazy.","start":572.39996,"end":576.33997,"sentiment":"positive","sentiment_score":0.5301401942968369}],"sentiment":"neutral","sentiment_score":0.21897439593025905,"num_words":44,"start":553.905,"end":576.33997},{"sentences":[{"text":"I'm looking at so the balance, you kind of surged from 42,000 up to 60 3,000, and it's dropped back down a little bit to 60 thousand, 60,450.","start":578.455,"end":588.565,"sentiment":"neutral","sentiment_score":0.08988395552816135},{"text":"Returns wise, we usually talk in percentages.","start":591.27,"end":593.45,"sentiment":"neutral","sentiment_score":0.06407289898821286},{"text":"And because you're in, like, a high growth where you're aiming for, like, 90 to 100%, like, shares property, like growth assets, you're aiming for, like, 10% plus would be good average.","start":593.75,"end":604.09,"sentiment":"neutral","sentiment_score":0.1711535502690822},{"text":"You've still cleared 15 and a half percent after fees for the last twelve months.","start":604.90497,"end":609.725,"sentiment":"neutral","sentiment_score":0.128943033516407},{"text":"Yeah.","start":612.985,"end":613.385,"sentiment":"neutral","sentiment_score":0.202314555644989}],"sentiment":"neutral","sentiment_score":0.12745343029768352,"num_words":83,"start":578.455,"end":613.385},{"sentences":[{"text":"So compared to a lot of PeopleSuper that I've been reviewing the last three months, it's still going very strong, actually.","start":613.385,"end":619.705,"sentiment":"neutral","sentiment_score":0.2954299393154326},{"text":"I'm quite surprised.","start":619.705,"end":620.94,"sentiment":"neutral","sentiment_score":0.11088709284861882},{"text":"Not that I don't think our portfolios aren't amazing, but I just thought, you know, when a couple of those sectors we picked jumped up 30 to 90%, it was like, oh, that's carried us super quite well.","start":621.56,"end":631.89996,"sentiment":"neutral","sentiment_score":0.21247720372814097},{"text":"So a couple of those very extremely high returns has kind of carried the weight for most of what's been going on, which is like battery tech, you know, like electric vehicles and a bit of the gold as well.","start":634.295,"end":645.99,"sentiment":"neutral","sentiment_score":0.1358027184382081},{"text":"So that's that's had a really strong one.","start":646.23,"end":648.17,"sentiment":"neutral","sentiment_score":0.2947819344699383}],"sentiment":"neutral","sentiment_score":0.20364716326479207,"num_words":110,"start":613.385,"end":648.17},{"sentences":[{"text":"A couple of things I think that we should probably update soon is your Australian shares, that one option, the Bennelong option's kind of underperformed a little bit, and it's kind of split off from the pack.","start":648.23,"end":659.27,"sentiment":"neutral","sentiment_score":-0.06098815562153185},{"text":"Like, if the Aussie market's going up a little bit and all the other Aussie shares funds have gone up a bit, this one's actually dropped when the other funds have gone up.","start":659.27,"end":668.335,"sentiment":"neutral","sentiment_score":-0.06534698590368146},{"text":"So out of about nine options, eight have done fantastic.","start":669.675,"end":674.075,"sentiment":"positive","sentiment_score":0.39441200345754623},{"text":"One of them has done, I would guess, I would say, underperforming, and that's probably one that I would seek to just do a bit of an update to.","start":674.075,"end":680.99005,"sentiment":"neutral","sentiment_score":0.0959140027648416},{"text":"Cool.","start":683.13,"end":683.63,"sentiment":"positive","sentiment_score":0.5470880270004272}],"sentiment":"neutral","sentiment_score":0.02599728953580118,"num_words":110,"start":648.23,"end":683.63},{"sentences":[{"text":"Because you still have a good, again, 30 until retirement, are you okay to sort of stay in that high growth where it's just going for as high long term returns as you can?","start":684.01,"end":693.065,"sentiment":"positive","sentiment_score":0.3859974768231897},{"text":"Yep.","start":695.125,"end":695.445,"sentiment":"neutral","sentiment_score":0.08824431151151657},{"text":"It's gonna be off and down like a roller coaster, but it just slowly stacks over the years.","start":695.445,"end":699.785,"sentiment":"neutral","sentiment_score":-0.06832634818015827},{"text":"Yeah.","start":706.89996,"end":707.14,"sentiment":"neutral","sentiment_score":-0.05079549551010132},{"text":"And that's one of those things is when you're sitting at your current balance, like, because it's percentage based, 10% up or down is, like, $6.","start":707.14,"end":713.96,"sentiment":"neutral","sentiment_score":-0.02155667029392834}],"sentiment":"neutral","sentiment_score":0.142137691663811,"num_words":80,"start":684.01,"end":713.96},{"sentences":[{"text":"Once you've got half 1,000,000 sitting there, we're talking, like, 50 to $100 every time.","start":714.1,"end":719.375,"sentiment":"neutral","sentiment_score":-0.019819283795853456},{"text":"So it gets a lot more extreme when you get closer to retirement, and we probably don't wanna leave you in high growth when you'll say 59 and you lose half your super year before you're gonna live off of it.","start":720.315,"end":730.92,"sentiment":"neutral","sentiment_score":-0.1798241830817083},{"text":"Does that make sense?","start":732.92,"end":733.98,"sentiment":"neutral","sentiment_score":0.09682669676840305},{"text":"Perfect.","start":735.24,"end":735.74,"sentiment":"positive","sentiment_score":0.3392895460128784},{"text":"When it comes to contributions, everything's coming through from work pretty okay.","start":736.44,"end":740.7,"sentiment":"neutral","sentiment_score":0.11858355750640233}],"sentiment":"neutral","sentiment_score":-0.07562303753595238,"num_words":73,"start":714.1,"end":740.7},{"sentences":[{"text":"You're obviously looking to do a career change, so probably not the best time to be looking to do some salary sacrifice or anything like that.","start":741.16,"end":748.215,"sentiment":"neutral","sentiment_score":-0.03744154337507028},{"text":"Probably better just to keep again, build your savings, pay off the mortgage, change careers, and then once all you've settled into that in a few years' time, we can revisit a few things like that if we need to.","start":749.395,"end":759.94,"sentiment":"neutral","sentiment_score":0.11422329265624284},{"text":"Yeah.","start":765.84,"end":766.34,"sentiment":"neutral","sentiment_score":0.028596721589565277},{"text":"Yeah.","start":767.76,"end":768.08,"sentiment":"neutral","sentiment_score":0.06103355437517166},{"text":"Look.","start":768.08,"end":768.24,"sentiment":"neutral","sentiment_score":-0.0059126876294612885}],"sentiment":"neutral","sentiment_score":0.05332129227294438,"num_words":69,"start":741.16,"end":768.24},{"sentences":[{"text":"If you're saving a $100 a week, I don't want you putting 50 of that into your super to lock away for thirty years when you've got a lot of priorities that you and them gonna need to do.","start":768.24,"end":776.195,"sentiment":"neutral","sentiment_score":-0.22356327881033605},{"text":"Outside of that, last thing I wanted to run by you is just with your insurances with Clearview.","start":779.05505,"end":784.03503,"sentiment":"neutral","sentiment_score":-0.009356969243122472},{"text":"So you've got just under 1,000,000 of life and TPD insurance.","start":785.73,"end":789.41,"sentiment":"neutral","sentiment_score":-0.02220997502180663},{"text":"That's the total disability one.","start":789.41,"end":791.43,"sentiment":"neutral","sentiment_score":-0.13968249559402465},{"text":"So if you pass away or can never work again, there's a million dollars just shy plus your super.","start":791.73,"end":797.19,"sentiment":"neutral","sentiment_score":-0.1905925299384092}],"sentiment":"neutral","sentiment_score":-0.14621058252194655,"num_words":92,"start":768.24,"end":797.19},{"sentences":[{"text":"That pays off the mortgage, leaves you with about half 1,000,000 left over to replace your income for a good sort of ten, fifteen years and helps Emma out.","start":797.57,"end":808.47504,"sentiment":"neutral","sentiment_score":0.11585974718989997},{"text":"Price hasn't changed too much.","start":809.815,"end":811.59,"sentiment":"neutral","sentiment_score":-0.14002405405044555},{"text":"You've got a policy anniversary coming up in June, which I would like to keep an eye on, but it's still sitting at about 1,689 a year.","start":811.67004,"end":820.71,"sentiment":"neutral","sentiment_score":0.039856008749834644},{"text":"You get a 15% rebate off of that, and that comes out of the super.","start":820.71,"end":824.89,"sentiment":"neutral","sentiment_score":0.07371441113452117},{"text":"So I just wanna double check with you that scenario of your pass away mortgage paid off half a mil there.","start":825.195,"end":832.395,"sentiment":"neutral","sentiment_score":-0.16420257180219605}],"sentiment":"neutral","sentiment_score":0.014364812305898011,"num_words":97,"start":797.57,"end":832.395},{"sentences":[{"text":"Is that too much, too little?","start":832.395,"end":834.23505,"sentiment":"negative","sentiment_score":-0.3457295745611191},{"text":"Does it sound okay?","start":834.23505,"end":835.375,"sentiment":"neutral","sentiment_score":-0.1223136130720377},{"text":"K.","start":837.93,"end":838.25,"sentiment":"neutral","sentiment_score":-0.03865283727645874},{"text":"Last one is the income protection.","start":838.25,"end":840.58997,"sentiment":"neutral","sentiment_score":-0.04732856899499893},{"text":"So you're insured for 3,420 a month worth of cover, which at the old 70% is protecting income of just shy of $60.","start":840.81,"end":851.055,"sentiment":"neutral","sentiment_score":-0.054132076223259384}],"sentiment":"neutral","sentiment_score":-0.10328234760090708,"num_words":40,"start":832.395,"end":851.055},{"sentences":[{"text":"So you're a tiny bit underinsured there.","start":851.135,"end":853.475,"sentiment":"neutral","sentiment_score":-0.25238193784441265},{"text":"But, I mean, would you guys be okay with 3,400 a month coming in if you're out of work for more than a month?","start":853.695,"end":860.355,"sentiment":"neutral","sentiment_score":-0.14740311168134212},{"text":"Yep.","start":867.63,"end":868.13,"sentiment":"neutral","sentiment_score":0.02642345428466797},{"text":"Perfect.","start":871.95,"end":872.45,"sentiment":"positive","sentiment_score":0.5703092813491821},{"text":"Perfect.","start":872.75,"end":873.15,"sentiment":"positive","sentiment_score":0.5833759903907776}],"sentiment":"neutral","sentiment_score":-0.12130116233054329,"num_words":34,"start":851.135,"end":873.15},{"sentences":[{"text":"And waiting period and benefit period.","start":873.15,"end":875.23,"sentiment":"neutral","sentiment_score":0.20218685921281576},{"text":"So anything that puts you out for more than thirty days, you can claim on, and they'll pay you monthly up to five years for the one injury.","start":875.23,"end":882.655,"sentiment":"neutral","sentiment_score":0.004338556501482215},{"text":"And you can reclaim on that if you have different injuries and things like that.","start":882.79504,"end":887.215,"sentiment":"neutral","sentiment_score":0.01686882016559442},{"text":"K.","start":889.13,"end":889.63,"sentiment":"neutral","sentiment_score":-0.0017864014953374865},{"text":"The only one you don't have is trauma cover.","start":890.41,"end":892.50995,"sentiment":"neutral","sentiment_score":-0.10678943536347812}],"sentiment":"neutral","sentiment_score":0.01058884271246902,"num_words":59,"start":873.15,"end":892.50995},{"sentences":[{"text":"That's one that you've gotta pay out of pocket for heart attack, stroke, and cancer.","start":892.56995,"end":896.64996,"sentiment":"neutral","sentiment_score":-0.11998424629370372},{"text":"You know, like, here's a $100 lump sum because I've had a heart attack or you want Emma to stay home with you for a little while.","start":896.64996,"end":903.085,"sentiment":"neutral","sentiment_score":-0.032596888986450655},{"text":"But, again, cash flow wise, I can get you a quote if you wanna have a look at that fourth insurance cover, but, again, you've got a lot going on.","start":903.085,"end":911.265,"sentiment":"neutral","sentiment_score":-0.021005495575567086},{"text":"Yep.","start":915.1,"end":915.42,"sentiment":"neutral","sentiment_score":0.01019027642905712},{"text":"That's fine.","start":915.42,"end":915.9,"sentiment":"neutral","sentiment_score":0.08544022962450981}],"sentiment":"neutral","sentiment_score":-0.04171965104838212,"num_words":75,"start":892.56995,"end":915.9},{"sentences":[{"text":"As long as you're okay with, I guess, the the risks of, hey.","start":915.9,"end":918.7,"sentiment":"neutral","sentiment_score":-0.01173544216614503},{"text":"If you have a heart attack, you go through the public health system.","start":918.7,"end":921.2,"sentiment":"neutral","sentiment_score":-0.07074721100238654},{"text":"Emma's probably gonna have to look after you a little bit or lean on family.","start":921.42,"end":924.56,"sentiment":"neutral","sentiment_score":-0.04192836955189705},{"text":"Beauty.","start":926.47504,"end":926.79504,"sentiment":"neutral","sentiment_score":0.09831690788269044},{"text":"So what I might do, mate, everything's pretty well stable.","start":926.79504,"end":929.775,"sentiment":"neutral","sentiment_score":0.15554810613393782}],"sentiment":"neutral","sentiment_score":-0.0009115781778326401,"num_words":52,"start":915.9,"end":929.775},{"sentences":[{"text":"I'm gonna go through in the next couple of weeks and research just a bit of a switch for the investments inside the super just to get that Australian shares picked back up again.","start":930.635,"end":939.455,"sentiment":"neutral","sentiment_score":0.08514912503168863},{"text":"But other than that, we'll stay high growth.","start":939.515,"end":941.67,"sentiment":"neutral","sentiment_score":0.09268112480640411},{"text":"We'll let you change careers.","start":941.67,"end":943.20996,"sentiment":"neutral","sentiment_score":0.1314672663807869},{"text":"We'll keep the insurances in place for the time being.","start":943.58997,"end":946.32996,"sentiment":"neutral","sentiment_score":0.09310740008950233},{"text":"Once you do change, we may have to alter the insurances a little bit and, again, revisit some salary sacrifice in about three years' time.","start":946.55,"end":954.765,"sentiment":"neutral","sentiment_score":0.008570694625377654}],"sentiment":"neutral","sentiment_score":0.06633167009709812,"num_words":82,"start":930.635,"end":954.765},{"sentences":[{"text":"Awesome.","start":957.085,"end":957.585,"sentiment":"positive","sentiment_score":0.5023154020309448},{"text":"Any questions for me so far about what we've talked about?","start":957.645,"end":960.305,"sentiment":"neutral","sentiment_score":0.27671822092749854},{"text":"Perfect.","start":962.84503,"end":963.34503,"sentiment":"positive","sentiment_score":0.6002407670021057},{"text":"We've sent you through the updated, like, service agreement and everything there, so the usual 1.65% for the fees.","start":963.885,"end":971.26996,"sentiment":"neutral","sentiment_score":0.16765803069268403},{"text":"Are you still comfortable for us to look after the super for the next twelve months or so?","start":972.52997,"end":976.79,"sentiment":"neutral","sentiment_score":0.15613365628653103}],"sentiment":"neutral","sentiment_score":0.2028472999110818,"num_words":50,"start":957.085,"end":976.79},{"sentences":[{"text":"Perfect.","start":978.44995,"end":978.94995,"sentiment":"neutral","sentiment_score":0.33038759231567383},{"text":"Fair enough.","start":981.81,"end":982.55,"sentiment":"neutral","sentiment_score":0.10235938802361488},{"text":"It seems like you you definitely like learning every year as well, and that's kind of what we aim for is just to kind of chip away at it over the years because, again, no one expects you to learn all of this in two, three conversations when we've been doing it for a decade.","start":982.61,"end":996.425,"sentiment":"neutral","sentiment_score":-0.007426609302108938},{"text":"Awesome, mate.","start":999.54,"end":1000.44,"sentiment":"positive","sentiment_score":0.6738303899765015},{"text":"You have four few things to do with the house and everything, and I'm assuming you've got to get back to work soon.","start":1001.14,"end":1006.51996,"sentiment":"positive","sentiment_score":0.46638366061708203}],"sentiment":"neutral","sentiment_score":0.14700154013123856,"num_words":83,"start":978.44995,"end":1006.51996},{"sentences":[{"text":"Fair enough.","start":1010.26,"end":1010.74,"sentiment":"neutral","sentiment_score":0.26659975945949554},{"text":"Even though you probably wanna go home and spend a bit of time there and switch around, that's okay.","start":1010.74,"end":1015.755,"sentiment":"neutral","sentiment_score":0.13917425588557594},{"text":"Mate, it's all looking pretty good.","start":1017.01495,"end":1018.21497,"sentiment":"positive","sentiment_score":0.6352003713448843},{"text":"If you have any questions, the email I've sent you is from our new system, which is called Odoo, and it kind of doubles as, like, a file notes for your client profile and also like a DocuSign as well.","start":1018.21497,"end":1030.47,"sentiment":"neutral","sentiment_score":0.17882106117904187},{"text":"So if you have any trouble with that digital sign, just give us a call, but it's pretty straightforward.","start":1030.47,"end":1034.97,"sentiment":"neutral","sentiment_score":0.09741935349608723}],"sentiment":"neutral","sentiment_score":0.1859595671209485,"num_words":86,"start":1010.26,"end":1034.97},{"sentences":[{"text":"Perfect.","start":1040.325,"end":1040.8049,"sentiment":"positive","sentiment_score":0.6243371963500977},{"text":"I'm just gonna do a quick little refresh, see if it's popped through on my end.","start":1040.8049,"end":1045.365,"sentiment":"neutral","sentiment_score":0.22564162127673626},{"text":"Just bear with me, please.","start":1045.365,"end":1046.665,"sentiment":"neutral","sentiment_score":0.11077685058116912},{"text":"And you should get a pop up asking you if you would like to download, like, a signed copy for your records as well.","start":1048.245,"end":1053.93,"sentiment":"neutral","sentiment_score":0.14073281331608692},{"text":"Probably a good idea to grab that.","start":1054.25,"end":1056.3501,"sentiment":"neutral","sentiment_score":0.04140093869396618}],"sentiment":"neutral","sentiment_score":0.1595449335873127,"num_words":53,"start":1040.325,"end":1056.3501},{"sentences":[{"text":"Perfect.","start":1060.89,"end":1061.39,"sentiment":"positive","sentiment_score":0.3797163963317871},{"text":"I'm just gonna grab and, yeah, that's come through to us there as well.","start":1061.4501,"end":1066.4901,"sentiment":"neutral","sentiment_score":0.26087220438889097},{"text":"So thank you for doing that, Lee.","start":1066.4901,"end":1068.105,"sentiment":"positive","sentiment_score":0.5796096622943878},{"text":"Easy done, mate.","start":1070.665,"end":1071.645,"sentiment":"positive","sentiment_score":0.4921275128920873},{"text":"Team's gonna reach out to you probably in a fortnight just to book you in to go through that updated portfolio document with me, and I'll make sure you're you're sort of comfortable with what we're doing before we move 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Sybil speaking. Good, mate. How are you? Yeah. Not the same. Yeah. Yeah. It's fine. Yep. Totally fine. Yep. So date of birth is 08/06/1995, and the address is 39 Dash 41 Falkingham, F A L K I N G H A M, Road In Mount Dublin 3796. Yep. Yep. Yep. Not off the top of my head. Yep. Yep. Yeah. That's fine. Yep. Yep. No dramas. That's alright. Okay. Put an eye out for it. Yep. I'm actually hoping to change change that to earlier as possible. Yep. Yep. Give me one second. Hang on. Just jump out of the office. You'd be alright for a sec, Jordan? No. Cool. Thank you. Okay. So that'll be fine. That'll be fine. To be honest, I'm probably gonna be doing looking at doing a career change just to I think I'm just gonna go and change and go and do an apprenticeship, which seems a bit odd being a 30 year old wanting to change careers. But yeah. So that's I I think I'm aiming at doing that at the end of the year. Just plumbing apprenticeship. Yeah. Yep. Yes. So still sales admin, but the pay has gone up to 68. Realistically, I think it's about probably best stayed the same, really. I mean, it could be better. It could be cheaper. But, I mean, it it's not the hardest thing. I mean, we're still we're still getting by with it. I mean, mortgages, you know, still the same. We're we're on a fixed rate and we'll be for the next three years. So we just try and keep that where it is. So, I mean, apart from that, everything's really fine. I actually don't know how much it's jumped up by because I haven't had it I haven't had it valued, but I think we're owing about 6 not 6. We're owing about $5.20 now. Yep. I can check for you. Hang on. Bear with me. I hope so. Totally fine. Yep. No worries at all. And we are owing where are we at? 530,000. No worries. Yeah. No. The car's the car's changed because I sold it. The the new car's probably about 1,500 of value. No. It's a it's a little ramble. My my mom's old car. No. No. Not as of yet, but is that something I should look at soon or now? Yep. Yep. Yeah. I need yeah. Yeah. I needed it as a beneficiary thing. I haven't actually done that. So my list of things to do. Yep. Yep. Yeah. Yeah. She's my my partner. Yes. Yep. I know my brother because my brother's with Oakview as well. I know he's done it, so I can always grab him as a a witness or my dad as a witness. Oh, yeah. That's fine. Can it be is it okay to be a relative? Yep. That's fine. No problem. Yep. Okay. Lovely. Mhmm. I think last time I checked, it was probably about two or three months ago, and before that was probably about a year ago, I think. I check it very occasionally. Oh, no. But if if I look at it daily, I'll panic. So I just kind of just check it every couple of months or every six months to a year, really. That's good. Awesome. That's good to hear. Yep. But yeah. Yep. Yep. Okay. Awesome. No. It's good to hear. Yep. Yep. Okay. Yep. That's fine. Totally fine with that. Yeah. I reckon so. I think Yep. Yeah. I think if I when I get to a point where I'm not sorry. Where I'm not comfortable with it, I'll probably call you guys and change it. Yep. Yep. Yep. Not a problem. Yeah. Yep. Yeah. I definitely wanna look at salary sacrifice. It may maybe in the next three, four years when it yeah. I should say it's been more settled. Yep. Yep. Yep. Yep. Yep. Okay. No. That sounds okay. Yep. Yep. Yep. Yes. From memory, it was it was just to cover really the mortgage payments because we have my my partner makes more than I do. It was mainly just to be able to cover my side of the mortgage payments. Yep. Yep. No problem. Yep. Yeah. No. No. At the moment, I don't think I'll need that at the moment. Yep. Yep. No. That's fine. Yep. Okay. Yep. Yep. That one I'm fully aware of. Yep. And now so far, it's looking pretty good. Totally fine with it. I'd much rather that because I don't know what the hell I'm doing. More than likely. Yep. Yep. Yep. It should be all good because I've just hit complete then. I'm sure it's loading for me at the moment. Oh, yeah. No. Definitely do. Yeah. There we go. It says you will yep. All signed. And I'll download the copy. All good. Thank you for sending it through. Yep. Yep. No problem at all. You too. Thank you so much. Cheers. 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Sybil speaking. Good, mate. How are you? Yeah.\n\nNot the same. Yeah. Yeah. It's fine. Yep.\n\nTotally fine. Yep. So date of birth is 08/06/1995, and the address is 39 Dash 41 Falkingham, F A L K I N G H A M, Road In Mount Dublin 3796. Yep. Yep.\n\nYep. Not off the top of my head. Yep. Yep. Yeah.\n\nThat's fine. Yep. Yep. No dramas. That's alright.\n\nOkay. Put an eye out for it. Yep. I'm actually hoping to change change that to earlier as possible. Yep.\n\nYep. Give me one second. Hang on. Just jump out of the office. You'd be alright for a sec, Jordan?\n\nNo. Cool. Thank you. Okay. So that'll be fine.\n\nThat'll be fine. To be honest, I'm probably gonna be doing looking at doing a career change just to I think I'm just gonna go and change and go and do an apprenticeship, which seems a bit odd being a 30 year old wanting to change careers. But yeah. So that's I I think I'm aiming at doing that at the end of the year. Just plumbing apprenticeship.\n\nYeah. Yep. Yes. So still sales admin, but the pay has gone up to 68. Realistically, I think it's about probably best stayed the same, really.\n\nI mean, it could be better. It could be cheaper. But, I mean, it it's not the hardest thing. I mean, we're still we're still getting by with it. I mean, mortgages, you know, still the same.\n\nWe're we're on a fixed rate and we'll be for the next three years. So we just try and keep that where it is. So, I mean, apart from that, everything's really fine. I actually don't know how much it's jumped up by because I haven't had it I haven't had it valued, but I think we're owing about 6 not 6. We're owing about $5.20 now.\n\nYep. I can check for you. Hang on. Bear with me. I hope so.\n\nTotally fine. Yep. No worries at all. And we are owing where are we at? 530,000.\n\nNo worries. Yeah. No. The car's the car's changed because I sold it. The the new car's probably about 1,500 of value.\n\nNo. It's a it's a little ramble. My my mom's old car. No. No.\n\nNot as of yet, but is that something I should look at soon or now? Yep. Yep. Yeah. I need yeah.\n\nYeah. I needed it as a beneficiary thing. I haven't actually done that. So my list of things to do. Yep.\n\nYep. Yeah. Yeah. She's my my partner. Yes.\n\nYep. I know my brother because my brother's with Oakview as well. I know he's done it, so I can always grab him as a a witness or my dad as a witness. Oh, yeah. That's fine.\n\nCan it be is it okay to be a relative? Yep. That's fine. No problem. Yep.\n\nOkay. Lovely. Mhmm. I think last time I checked, it was probably about two or three months ago, and before that was probably about a year ago, I think. I check it very occasionally.\n\nOh, no. But if if I look at it daily, I'll panic. So I just kind of just check it every couple of months or every six months to a year, really. That's good. Awesome.\n\nThat's good to hear. Yep. But yeah. Yep. Yep.\n\nOkay. Awesome. No. It's good to hear. Yep.\n\nYep. Okay. Yep. That's fine. Totally fine with that.\n\nYeah. I reckon so. I think Yep. Yeah. I think if I when I get to a point where I'm not sorry.\n\nWhere I'm not comfortable with it, I'll probably call you guys and change it. Yep. Yep. Yep. Not a problem.\n\nYeah. Yep. Yeah. I definitely wanna look at salary sacrifice. It may maybe in the next three, four years when it yeah.\n\nI should say it's been more settled. Yep. Yep. Yep. Yep.\n\nYep. Okay. No. That sounds okay. Yep.\n\nYep. Yep. Yes. From memory, it was it was just to cover really the mortgage payments because we have my my partner makes more than I do. It was mainly just to be able to cover my side of the mortgage payments.\n\nYep. Yep. No problem. Yep. Yeah.\n\nNo. No. At the moment, I don't think I'll need that at the moment. Yep. Yep.\n\nNo. That's fine. Yep. Okay. Yep.\n\nYep. That one I'm fully aware of. Yep. And now so far, it's looking pretty good. Totally fine with it.\n\nI'd much rather that because I don't know what the hell I'm doing. More than likely. Yep. Yep. Yep.\n\nIt should be all good because I've just hit complete then. I'm sure it's loading for me at the moment. Oh, yeah. No. Definitely do.\n\nYeah. There we go. It says you will yep. All signed. And I'll download the copy.\n\nAll good. Thank you for sending it through. Yep. Yep. No problem at all.\n\nYou too. Thank you so much. Cheers. Bye.","paragraphs":[{"sentences":[{"text":"Password.","start":1.76,"end":2.24,"sentiment":"neutral","sentiment_score":0.013648629188537598},{"text":"Sybil speaking.","start":2.24,"end":3.1399999,"sentiment":"neutral","sentiment_score":0.026219608262181282},{"text":"Good, mate.","start":8.32,"end":8.8,"sentiment":"neutral","sentiment_score":0.2873210310935974},{"text":"How are you?","start":8.8,"end":9.62,"sentiment":"neutral","sentiment_score":0.20889969170093536},{"text":"Yeah.","start":15.885,"end":16.285,"sentiment":"neutral","sentiment_score":0.008767837658524513}],"sentiment":"neutral","sentiment_score":0.1417996467401584,"num_words":9,"start":1.76,"end":16.285},{"sentences":[{"text":"Not the same.","start":16.285,"end":17.105,"sentiment":"neutral","sentiment_score":-0.04721824576457342},{"text":"Yeah.","start":22.685001,"end":23.005001,"sentiment":"neutral","sentiment_score":0.05746079236268997},{"text":"Yeah.","start":23.005001,"end":23.165,"sentiment":"neutral","sentiment_score":0.08989371359348297},{"text":"It's fine.","start":23.165,"end":23.825,"sentiment":"neutral","sentiment_score":0.1757444590330124},{"text":"Yep.","start":32.67,"end":32.989998,"sentiment":"neutral","sentiment_score":0.07073565572500229}],"sentiment":"neutral","sentiment_score":0.05349054280668497,"num_words":8,"start":16.285,"end":32.989998},{"sentences":[{"text":"Totally fine.","start":32.989998,"end":33.89,"sentiment":"neutral","sentiment_score":0.08945973217487335},{"text":"Yep.","start":38.989998,"end":39.39,"sentiment":"neutral","sentiment_score":0.024725291877985},{"text":"So date of birth is 08/06/1995, and the address is 39 Dash 41 Falkingham, F A L K I N G H A M, Road In Mount Dublin 3796.","start":39.39,"end":52.185,"sentiment":"neutral","sentiment_score":0.04678915922754798},{"text":"Yep.","start":58.76,"end":59.26,"sentiment":"neutral","sentiment_score":0.0902581512928009},{"text":"Yep.","start":63.399998,"end":63.899998,"sentiment":"neutral","sentiment_score":0.05981847643852234}],"sentiment":"neutral","sentiment_score":0.05031197063405724,"num_words":34,"start":32.989998,"end":63.899998},{"sentences":[{"text":"Yep.","start":72.475,"end":72.975,"sentiment":"neutral","sentiment_score":0.04618626832962036},{"text":"Not off the top of my 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Jordan?","start":180.115,"end":181.475,"sentiment":"neutral","sentiment_score":0.027868063056043217}],"sentiment":"neutral","sentiment_score":0.023842005478218197,"num_words":20,"start":158.425,"end":181.475},{"sentences":[{"text":"No.","start":181.475,"end":181.975,"sentiment":"neutral","sentiment_score":-0.021161384880542755},{"text":"Cool.","start":182.035,"end":182.355,"sentiment":"neutral","sentiment_score":0.12241251766681673},{"text":"Thank you.","start":182.355,"end":183.095,"sentiment":"neutral","sentiment_score":0.1572026163339615},{"text":"Okay.","start":183.955,"end":184.455,"sentiment":"neutral","sentiment_score":0.03351088613271713},{"text":"So that'll be fine.","start":184.515,"end":189.095,"sentiment":"neutral","sentiment_score":-0.043684983626008034}],"sentiment":"neutral","sentiment_score":0.030491924120320216,"num_words":9,"start":181.475,"end":189.095},{"sentences":[{"text":"That'll be fine.","start":190.115,"end":190.935,"sentiment":"neutral","sentiment_score":-0.02176871942356229},{"text":"To be honest, I'm probably gonna be doing looking at doing a career change just to I think I'm just gonna go and change and go and do an apprenticeship, which seems a bit odd being a 30 year old wanting to change careers.","start":194.90001,"end":209.955,"sentiment":"neutral","sentiment_score":-0.010752961081875996},{"text":"But yeah.","start":212.495,"end":214.33499,"sentiment":"neutral","sentiment_score":0.03479848429560661},{"text":"So that's I I think I'm aiming at doing that at the end of the year.","start":214.33499,"end":217.555,"sentiment":"neutral","sentiment_score":0.06785018625669181},{"text":"Just plumbing apprenticeship.","start":222.21999,"end":223.35999,"sentiment":"neutral","sentiment_score":0.053132180124521255}],"sentiment":"neutral","sentiment_score":0.011414118282332578,"num_words":68,"start":190.115,"end":223.35999},{"sentences":[{"text":"Yeah.","start":228.29999,"end":228.7,"sentiment":"neutral","sentiment_score":0.07147277891635895},{"text":"Yep.","start":228.7,"end":229.2,"sentiment":"neutral","sentiment_score":0.1391226351261139},{"text":"Yes.","start":234.095,"end":234.41501,"sentiment":"neutral","sentiment_score":0.0642353892326355},{"text":"So still sales admin, but the pay has gone up to 68.","start":234.41501,"end":237.875,"sentiment":"neutral","sentiment_score":0.05405357759445906},{"text":"Realistically, I think it's about probably best stayed the same, 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fine.","start":346.195,"end":346.83502,"sentiment":"positive","sentiment_score":0.3351753056049347},{"text":"Yep.","start":346.83502,"end":347.23502,"sentiment":"neutral","sentiment_score":0.1491741240024567},{"text":"No worries at all.","start":347.23502,"end":348.375,"sentiment":"neutral","sentiment_score":0.051633914932608604},{"text":"And we are owing where are we at?","start":349.715,"end":353.495,"sentiment":"neutral","sentiment_score":-0.008879839326255023},{"text":"530,000.","start":353.875,"end":355.415,"sentiment":"neutral","sentiment_score":0.006020720116794109}],"sentiment":"neutral","sentiment_score":0.06006515002809465,"num_words":16,"start":346.195,"end":355.415},{"sentences":[{"text":"No worries.","start":358.96,"end":359.7,"sentiment":"neutral","sentiment_score":0.10356906615197659},{"text":"Yeah.","start":370.685,"end":370.92502,"sentiment":"neutral","sentiment_score":0.0029887380078434944},{"text":"No.","start":370.92502,"end":371.08502,"sentiment":"neutral","sentiment_score":-0.05733274668455124},{"text":"The car's the car's changed because I sold it.","start":371.08502,"end":373.665,"sentiment":"neutral","sentiment_score":-0.07907435091005431},{"text":"The the new car's probably about 1,500 of value.","start":376.605,"end":381.98502,"sentiment":"neutral","sentiment_score":0.016648254667719204}],"sentiment":"neutral","sentiment_score":-0.01859276102517139,"num_words":22,"start":358.96,"end":381.98502},{"sentences":[{"text":"No.","start":387.55002,"end":387.87,"sentiment":"neutral","sentiment_score":-0.1290292739868164},{"text":"It's a it's a little ramble.","start":387.87,"end":389.25,"sentiment":"neutral","sentiment_score":-0.1428829332192739},{"text":"My my mom's 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yeah.","start":442.75,"end":444.91,"sentiment":"neutral","sentiment_score":-0.008186477546890577}],"sentiment":"neutral","sentiment_score":-0.04140934277148474,"num_words":21,"start":417.59,"end":444.91},{"sentences":[{"text":"Yeah.","start":444.91,"end":445.07,"sentiment":"neutral","sentiment_score":0.0012919027358293531},{"text":"I needed it as a beneficiary thing.","start":445.07,"end":446.99,"sentiment":"neutral","sentiment_score":-0.03379485569894314},{"text":"I haven't actually done that.","start":446.99,"end":448.37,"sentiment":"neutral","sentiment_score":-0.11928775608539581},{"text":"So my list of things to 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hear.","start":632.615,"end":633.595,"sentiment":"neutral","sentiment_score":0.16470225900411606},{"text":"Yep.","start":645.05,"end":645.55,"sentiment":"neutral","sentiment_score":0.10749608278274536}],"sentiment":"neutral","sentiment_score":0.1586578283458948,"num_words":8,"start":604.815,"end":645.55},{"sentences":[{"text":"Yep.","start":646.49,"end":646.99,"sentiment":"neutral","sentiment_score":0.21343426406383512},{"text":"Okay.","start":657.245,"end":657.745,"sentiment":"neutral","sentiment_score":-0.05758359283208847},{"text":"Yep.","start":677.875,"end":678.375,"sentiment":"neutral","sentiment_score":0.06564842164516449},{"text":"That's fine.","start":681.155,"end":681.715,"sentiment":"neutral","sentiment_score":0.26370856165885925},{"text":"Totally fine with that.","start":681.715,"end":682.935,"sentiment":"positive","sentiment_score":0.5535240992903709}],"sentiment":"neutral","sentiment_score":0.3292236237062348,"num_words":9,"start":646.49,"end":682.935},{"sentences":[{"text":"Yeah.","start":693.68,"end":694.0,"sentiment":"neutral","sentiment_score":0.07704097032546997},{"text":"I reckon so.","start":694.0,"end":694.9,"sentiment":"neutral","sentiment_score":0.06304778531193733},{"text":"I think Yep.","start":696.24,"end":700.445,"sentiment":"neutral","sentiment_score":-0.08756106843551},{"text":"Yeah.","start":700.445,"end":700.68506,"sentiment":"neutral","sentiment_score":-0.040236327797174454},{"text":"I think if I when I get to a point where I'm not sorry.","start":700.68506,"end":703.405,"sentiment":"neutral","sentiment_score":-0.1461792971406664}],"sentiment":"neutral","sentiment_score":-0.09469297121871602,"num_words":22,"start":693.68,"end":703.405},{"sentences":[{"text":"Where I'm not comfortable with it, I'll probably call you guys and change it.","start":703.405,"end":706.465,"sentiment":"neutral","sentiment_score":-0.27994601109198164},{"text":"Yep.","start":713.93,"end":714.43,"sentiment":"neutral","sentiment_score":0.008608104661107063},{"text":"Yep.","start":720.81,"end":721.31,"sentiment":"neutral","sentiment_score":-0.03466139733791351},{"text":"Yep.","start":731.47504,"end":731.875,"sentiment":"neutral","sentiment_score":0.03948942571878433},{"text":"Not a problem.","start":731.875,"end":732.695,"sentiment":"neutral","sentiment_score":0.09280258665482204}],"sentiment":"neutral","sentiment_score":-0.18137001311406492,"num_words":20,"start":703.405,"end":732.695},{"sentences":[{"text":"Yeah.","start":734.11505,"end":734.61505,"sentiment":"neutral","sentiment_score":0.20221978425979617},{"text":"Yep.","start":748.52997,"end":749.02997,"sentiment":"neutral","sentiment_score":0.09124594926834106},{"text":"Yeah.","start":760.025,"end":760.34503,"sentiment":"neutral","sentiment_score":0.14267049729824066},{"text":"I definitely wanna look at salary sacrifice.","start":760.34503,"end":762.685,"sentiment":"neutral","sentiment_score":0.1361574972314494},{"text":"It may maybe in the next three, four years when it yeah.","start":762.74506,"end":765.78503,"sentiment":"neutral","sentiment_score":-0.098620578336219}],"sentiment":"neutral","sentiment_score":0.009354171427813444,"num_words":22,"start":734.11505,"end":765.78503},{"sentences":[{"text":"I should say it's been more settled.","start":765.78503,"end":767.405,"sentiment":"neutral","sentiment_score":0.01694594163979803},{"text":"Yep.","start":784.76996,"end":785.26996,"sentiment":"neutral","sentiment_score":0.034777503460645676},{"text":"Yep.","start":791.805,"end":792.305,"sentiment":"neutral","sentiment_score":-0.03059934824705124},{"text":"Yep.","start":802.44495,"end":802.94495,"sentiment":"neutral","sentiment_score":0.04268326610326767},{"text":"Yep.","start":807.09,"end":807.59,"sentiment":"neutral","sentiment_score":0.20704394578933716}],"sentiment":"neutral","sentiment_score":0.033866087144071404,"num_words":11,"start":765.78503,"end":807.59},{"sentences":[{"text":"Yep.","start":815.25,"end":815.75,"sentiment":"neutral","sentiment_score":0.06745579838752747},{"text":"Okay.","start":824.075,"end":824.575,"sentiment":"neutral","sentiment_score":0.031182747334241867},{"text":"No.","start":835.76,"end":835.92004,"sentiment":"neutral","sentiment_score":-0.2337917685508728},{"text":"That sounds okay.","start":835.92004,"end":836.98004,"sentiment":"neutral","sentiment_score":-0.12094318866729736},{"text":"Yep.","start":841.12006,"end":841.62006,"sentiment":"neutral","sentiment_score":-0.008212956599891186}],"sentiment":"neutral","sentiment_score":-0.07231367791869811,"num_words":7,"start":815.25,"end":841.62006},{"sentences":[{"text":"Yep.","start":853.105,"end":853.605,"sentiment":"neutral","sentiment_score":-0.040312983095645905},{"text":"Yep.","start":853.745,"end":854.245,"sentiment":"neutral","sentiment_score":-0.06446340680122375},{"text":"Yes.","start":860.38,"end":860.78,"sentiment":"neutral","sentiment_score":0.012794416397809982},{"text":"From memory, it was it was just to cover really the mortgage payments because we have my my partner makes more than I do.","start":860.78,"end":867.28,"sentiment":"neutral","sentiment_score":-0.020102720086773235},{"text":"It was mainly just to be able to cover my side of the mortgage payments.","start":867.42004,"end":871.12,"sentiment":"neutral","sentiment_score":0.03330202301343282}],"sentiment":"neutral","sentiment_score":-0.0017837359614315488,"num_words":42,"start":853.105,"end":871.12},{"sentences":[{"text":"Yep.","start":883.195,"end":883.695,"sentiment":"neutral","sentiment_score":0.02480914816260338},{"text":"Yep.","start":887.39,"end":887.79004,"sentiment":"neutral","sentiment_score":0.02434469386935234},{"text":"No problem.","start":887.79004,"end":888.53,"sentiment":"neutral","sentiment_score":0.03008273895829916},{"text":"Yep.","start":901.175,"end":901.675,"sentiment":"neutral","sentiment_score":-0.01192407961934805},{"text":"Yeah.","start":911.735,"end":912.135,"sentiment":"neutral","sentiment_score":-0.0556238666176796}],"sentiment":"neutral","sentiment_score":0.0069618956185877314,"num_words":6,"start":883.195,"end":912.135},{"sentences":[{"text":"No.","start":912.135,"end":912.295,"sentiment":"neutral","sentiment_score":-0.14922523498535156},{"text":"No.","start":912.295,"end":912.455,"sentiment":"neutral","sentiment_score":-0.15811161696910858},{"text":"At the moment, I don't think I'll need that at the moment.","start":912.455,"end":914.71497,"sentiment":"neutral","sentiment_score":-0.1923456365863482},{"text":"Yep.","start":924.59,"end":924.83,"sentiment":"neutral","sentiment_score":0.0369257926940918},{"text":"Yep.","start":924.83,"end":925.15,"sentiment":"neutral","sentiment_score":0.03287230059504509}],"sentiment":"neutral","sentiment_score":-0.15910539985634387,"num_words":16,"start":912.135,"end":925.15},{"sentences":[{"text":"No.","start":925.15,"end":925.31,"sentiment":"neutral","sentiment_score":-0.002154272049665451},{"text":"That's fine.","start":925.31,"end":926.13,"sentiment":"neutral","sentiment_score":0.061193687841296196},{"text":"Yep.","start":935.69495,"end":936.19495,"sentiment":"neutral","sentiment_score":0.058429520577192307},{"text":"Okay.","start":939.615,"end":940.115,"sentiment":"neutral","sentiment_score":0.0454959012567997},{"text":"Yep.","start":953.87,"end":954.37,"sentiment":"neutral","sentiment_score":0.002124384744092822}],"sentiment":"neutral","sentiment_score":0.03771381836850196,"num_words":6,"start":925.15,"end":954.37},{"sentences":[{"text":"Yep.","start":954.75,"end":955.23004,"sentiment":"neutral","sentiment_score":0.05512219667434693},{"text":"That one I'm fully aware of.","start":955.23004,"end":956.27,"sentiment":"neutral","sentiment_score":0.051055220887064934},{"text":"Yep.","start":956.27,"end":956.77,"sentiment":"neutral","sentiment_score":0.1798257827758789},{"text":"And now so far, it's looking pretty good.","start":960.625,"end":962.325,"sentiment":"positive","sentiment_score":0.5253391526639462},{"text":"Totally fine with it.","start":976.74005,"end":978.12006,"sentiment":"positive","sentiment_score":0.508070096373558}],"sentiment":"positive","sentiment_score":0.33881364557892085,"num_words":20,"start":954.75,"end":978.12006},{"sentences":[{"text":"I'd much rather that because I don't know what the hell I'm doing.","start":978.26,"end":981.08,"sentiment":"neutral","sentiment_score":-0.04705421913128633},{"text":"More than likely.","start":1008.05,"end":1008.69,"sentiment":"neutral","sentiment_score":0.2058470994234085},{"text":"Yep.","start":1008.69,"end":1009.19,"sentiment":"neutral","sentiment_score":0.21439266204833984},{"text":"Yep.","start":1023.825,"end":1024.08,"sentiment":"neutral","sentiment_score":0.13821551203727722},{"text":"Yep.","start":1034.24,"end":1034.74,"sentiment":"neutral","sentiment_score":0.17543277144432068}],"sentiment":"neutral","sentiment_score":0.02809881026807584,"num_words":19,"start":978.26,"end":1034.74},{"sentences":[{"text":"It should be all good because I've just hit complete then.","start":1035.84,"end":1044.1549,"sentiment":"positive","sentiment_score":0.553525756705891},{"text":"I'm sure it's loading for me at the moment.","start":1044.1549,"end":1047.855,"sentiment":"neutral","sentiment_score":0.1475214378701316},{"text":"Oh, yeah.","start":1054.1901,"end":1054.59,"sentiment":"neutral","sentiment_score":0.04374890588223934},{"text":"No.","start":1054.59,"end":1054.91,"sentiment":"neutral","sentiment_score":-0.046167515218257904},{"text":"Definitely do.","start":1054.91,"end":1055.81,"sentiment":"neutral","sentiment_score":0.03548264876008034}],"sentiment":"neutral","sentiment_score":0.3011508743464947,"num_words":25,"start":1035.84,"end":1055.81},{"sentences":[{"text":"Yeah.","start":1057.47,"end":1057.63,"sentiment":"neutral","sentiment_score":0.07719765603542328},{"text":"There we go.","start":1057.63,"end":1058.1901,"sentiment":"neutral","sentiment_score":0.10119187086820602},{"text":"It says you will yep.","start":1058.1901,"end":1059.31,"sentiment":"neutral","sentiment_score":0.11096599847078323},{"text":"All signed.","start":1059.31,"end":1060.05,"sentiment":"neutral","sentiment_score":0.1253649964928627},{"text":"And I'll download the copy.","start":1061.15,"end":1063.01,"sentiment":"neutral","sentiment_score":0.2234826296567917}],"sentiment":"neutral","sentiment_score":0.14398415014147758,"num_words":16,"start":1057.47,"end":1063.01},{"sentences":[{"text":"All good.","start":1068.255,"end":1068.655,"sentiment":"positive","sentiment_score":0.5366675853729248},{"text":"Thank you for sending it through.","start":1068.655,"end":1070.035,"sentiment":"positive","sentiment_score":0.6771714588006338},{"text":"Yep.","start":1078.4701,"end":1078.9701,"sentiment":"neutral","sentiment_score":0.2693866491317749},{"text":"Yep.","start":1082.9429,"end":1083.1829,"sentiment":"neutral","sentiment_score":0.20821091532707217},{"text":"No problem at all.","start":1083.1829,"end":1084.3229,"sentiment":"positive","sentiment_score":0.44249432533979416}],"sentiment":"positive","sentiment_score":0.5274241992405483,"num_words":14,"start":1068.255,"end":1084.3229},{"sentences":[{"text":"You too.","start":1087.9829,"end":1088.4629,"sentiment":"positive","sentiment_score":0.5903067588806152},{"text":"Thank you so much.","start":1088.4629,"end":1089.3629,"sentiment":"positive","sentiment_score":0.8508811295032501},{"text":"Cheers.","start":1091.1029,"end":1091.6029,"sentiment":"positive","sentiment_score":0.6430091857910156},{"text":"Bye.","start":1091.7429,"end":1092.2429,"sentiment":"neutral","sentiment_score":-0.11793354898691176}],"sentiment":"positive","sentiment_score":0.6386517090722919,"num_words":8,"start":1087.9829,"end":1092.2429}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Password. Sybil speaking.\n\nChannel 0: Good day, Lee. This is Tommy here, mate, senior adviser from Oakview. How are you doing today?\n\nChannel 1: Good, mate. How are you?\n\nChannel 0: Doing fantastic. It's a beautiful short week for the Easter long weekend, mate. How's it your end?\n\nChannel 1: Yeah. Not the same.\n\nChannel 0: Beautiful. Beautiful. Mate, I was just giving you a call to go through your annual review. Do you still have time for me?\n\nChannel 1: Yeah. Yeah. It's fine.\n\nChannel 0: Perfect. Perfect. So before I send through your annual review pack, just wanna let you know that as usual, the calls are recorded for training and quality purposes.\n\nChannel 1: Yep. Totally fine.\n\nChannel 0: Are you you okay to confirm your date of birth and address for me for security, please?\n\nChannel 1: Yep. So date of birth is 08/06/1995, and the address is 39 Dash 41 Falkingham, F A L K I N G H A M, Road In Mount Dublin 3796.\n\nChannel 0: Thank you so much for that, mate. I've got a few updated documents to send through to you today.\n\nChannel 1: Yep.\n\nChannel 0: I've got some information here. We've just recently changed systems. So\n\nChannel 1: Yep.\n\nChannel 0: I'm gonna run through just quickly what we've got on file just to make sure all of your details are accurate and just see if there's been any major changes down your end, if that's alright.\n\nChannel 1: Yep.\n\nChannel 0: And before I do that, mate, anything in particular you would like to get out of today's annual review?\n\nChannel 1: Not off the top of my head.\n\nChannel 0: Perfect. So just a bit of a general update, see if we need to make any changes, that kind of thing.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Perfect. Now for today's review, I'm gonna send the pack through to your Gmail account. Do you still have access\n\nChannel 1: Yep.\n\nChannel 0: to that one?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Beautiful. I'll shoot that through now just so it comes through because it sometimes it takes a few minutes.\n\nChannel 1: Yep.\n\nChannel 0: This will have, like, your super performance on there, your certificate of currency for your ClearView policy, as well as, like, updated financial services guides with Oakview.\n\nChannel 1: Yep. No dramas.\n\nChannel 0: So I'm gonna pop that through to you now. It may go through to your main inbox or your spam box, and\n\nChannel 1: That's\n\nChannel 0: I'm\n\nChannel 1: alright.\n\nChannel 0: just\n\nChannel 1: Okay.\n\nChannel 0: gonna\n\nChannel 1: Put an eye\n\nChannel 0: bring\n\nChannel 1: out for\n\nChannel 0: up your\n\nChannel 1: it.\n\nChannel 0: file. Let's have a look see here. So I've kind of spliced together the information that we had originally. So just let me know if all this is accurate.\n\nChannel 1: Yep.\n\nChannel 0: Goals wise, so you were trying to aim between the ages of 60 and 67 for retirement, obviously, a bit earlier if possible. Going\n\nChannel 1: I'm actually\n\nChannel 0: for about\n\nChannel 1: hoping to change change that to earlier as possible.\n\nChannel 0: yep. Earlier if possible. Fantastic. I think we just had a bit of, like, a tentative goal of about $1,500 a week in today's dollars tax free as just a bit\n\nChannel 1: Yep.\n\nChannel 0: of a North Star as we get closer to retirement.\n\nChannel 1: Yep.\n\nChannel 0: At this point, you wanna make sure that you're sort of debt free, make sure you're getting some good growth out of the super, and we did sort out a little bit on the insurance side. Is there anything else major going on in the next sort of one to five years for you?\n\nChannel 1: Give me one second. Hang on. Just jump out of the office. You'd be alright for a sec, Jordan? No.\n\nCool. Thank you. Okay. So\n\nChannel 0: I swear that person said, no. That won't be alright. You were\n\nChannel 1: that'll\n\nChannel 0: like, yep.\n\nChannel 1: be fine.\n\nChannel 0: That'll\n\nChannel 1: That'll be fine.\n\nChannel 0: be\n\nChannel 1: To be honest,\n\nChannel 0: alright.\n\nChannel 1: I'm probably gonna be doing looking at doing a career change\n\nChannel 0: Yeah. Okay.\n\nChannel 1: just to I think I'm just gonna go and change and go and do an apprenticeship, which seems a bit odd being a 30 year old wanting to change careers.\n\nChannel 0: Hey. Why not?\n\nChannel 1: But yeah. So that's I I think I'm aiming at doing that at the end of the year.\n\nChannel 0: Yeah. Perfect. End of the year. What type of trade are you looking for?\n\nChannel 1: Just plumbing apprenticeship.\n\nChannel 0: Loving. Beautiful. And are you still at Fastway Civil Supplies at the moment?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Cool. So I think we had you as, like, a sales admin earning about 63,000 approximately.\n\nChannel 1: Yes. So still sales admin, but the pay has gone up to 68.\n\nChannel 0: 68. Thank you for that, sir. With the savings amount, I think you were trying to put away about $125 a week into savings. Has that gone up, down, stayed the same? I know\n\nChannel 1: Realistically,\n\nChannel 0: cost of living has gone nuts.\n\nChannel 1: I think it's about probably best stayed the same, really.\n\nChannel 0: Yep. Stayed the same. That's fair enough. And how has everything been going for you with all of the petrol cost of living rates, all that kind of stuff? Is it okay?\n\nChannel 1: I mean, it could be better. It could be cheaper.\n\nChannel 0: Yeah. Not\n\nChannel 1: But,\n\nChannel 0: wrong.\n\nChannel 1: I mean, it it's not the hardest thing. I mean, we're still we're still getting by with it. I mean, mortgages, you know, still the same. We're we're on a fixed rate and we'll be for the next three years. So we just try and keep that\n\nChannel 0: Nice.\n\nChannel 1: where it is. So, I mean, apart from that, everything's really fine.\n\nChannel 0: Perfect. I think we had the house valued at about $6.50 last time, owing about $5.55. Has that kind of jumped up a bit?\n\nChannel 1: I actually don't know how much it's jumped up by because I haven't had it I haven't had it valued, but I think we're owing about 6 not 6. We're owing about $5.20 now.\n\nChannel 0: $5.20. I might just quickly put in the address on the old Googles and just see if there's any because I think the the valuations have jumped up, and they've got some estimates for you. Let me\n\nChannel 1: Yep.\n\nChannel 0: just have a quick look. And $5.20, do you think?\n\nChannel 1: I can check for you. Hang on. Bear with me.\n\nChannel 0: Oh, jeez. Google's sorry. Property.com thinks that your property value with high confidence is now 726,000.\n\nChannel 1: I hope so.\n\nChannel 0: That's pretty good. Yeah. Are you okay for me to put that in as the estimate for the time being?\n\nChannel 1: Totally fine. Yep. No worries at all. And we are owing where are we at? 530,000.\n\nChannel 0: $5.30. Thank you for that, sir. Appreciate that.\n\nChannel 1: No worries.\n\nChannel 0: Other assets wise, I think we just had the car there valued at about 10 grands. We didn't really have anything listed as far as, like, savings or any other shares or crypto or anything like that.\n\nChannel 1: Yeah. No. The car's the car's changed because I sold it. The the new\n\nChannel 0: Yeah.\n\nChannel 1: car's\n\nChannel 0: Yeah.\n\nChannel 1: probably about 1,500 of value.\n\nChannel 0: Nice. Okay. We got a nice little low fuel, low cost. I'm hoping it's like Corolla or something.\n\nChannel 1: No. It's a it's a little ramble.\n\nChannel 0: RAV\n\nChannel 1: My\n\nChannel 0: four. Awesome.\n\nChannel 1: my\n\nChannel 0: And\n\nChannel 1: mom's old car.\n\nChannel 0: and you don't owe anything on that, I'm hoping?\n\nChannel 1: No.\n\nChannel 0: Perfect. So that's the old new RAV four, new slash old RAV four. Lee, you've never gone through bankruptcy or a part nine debt agreement before, have you?\n\nChannel 1: No.\n\nChannel 0: Perfect. It's just a bit of a new insolvency check that we do. Did you end up getting, like, a will or a power of attorney put in place on the old estate side of things?\n\nChannel 1: Not as of yet, but is that something I should look at soon or now?\n\nChannel 0: Yeah. It's it's so it's always nice to put in place. A couple of things I wanted to check with you today is\n\nChannel 1: Yep.\n\nChannel 0: so the will obviously covers your your personal assets, your shoes, your bank, your car, your house,\n\nChannel 1: Yep.\n\nChannel 0: and your beneficiary covers your superannuation, and there's a beneficiary for your life insurance as well. So that's\n\nChannel 1: Yeah.\n\nChannel 0: kind of\n\nChannel 1: I need\n\nChannel 0: the triangle. Does that make sense?\n\nChannel 1: yeah. Yeah. I needed it as a beneficiary thing. I haven't actually done that. So\n\nChannel 0: That's\n\nChannel 1: my\n\nChannel 0: the one\n\nChannel 1: list\n\nChannel 0: thing I\n\nChannel 1: of things\n\nChannel 0: wanted\n\nChannel 1: to\n\nChannel 0: to sort\n\nChannel 1: do.\n\nChannel 0: of\n\nChannel 1: Yep.\n\nChannel 0: remind you on. Are we putting Emma down for the super and the life insurance if that's still needing\n\nChannel 1: Yep.\n\nChannel 0: to be done?\n\nChannel 1: Yeah. Yeah. She's my my partner.\n\nChannel 0: Yep. And are you guys still defacto?\n\nChannel 1: Yes.\n\nChannel 0: Perfect. So I'll say beneficiary for both for the super and the life insurance. I'll double check the life insurance to see if that was put in place, and we'll send you out the forms for that. Once you get them, just make sure you get them like a it's like a wet signature and witnessed,\n\nChannel 1: Yep.\n\nChannel 0: and then you should be good to go. We usually give you, like, a cover letter and everything with some instructions, make it a little bit simple for you. But if you call the office, the team can walk you through it pretty easy.\n\nChannel 1: I know my brother because my brother's with Oakview as well. I know he's done it, so I can always grab him as a a witness or my dad as a witness.\n\nChannel 0: Yeah. Perfect. As long as it's not your beneficiary like Emma signing off on herself, that's\n\nChannel 1: Oh,\n\nChannel 0: perfect.\n\nChannel 1: yeah. That's fine. Can it be is it okay to be a relative?\n\nChannel 0: Yeah. Yeah. It's fine as long as it's not the beneficiary themselves. Any adult over the age of 18 is\n\nChannel 1: Yep.\n\nChannel 0: fine.\n\nChannel 1: That's fine. No problem.\n\nChannel 0: Beautiful. The reminder for the will and everything is just like, hey. Look. It's it's nice to put in place. Your situation isn't too complex.\n\nYou can even do, like, a $25 will kit and power of attorney kit from the post office if you wanted to go that way rather than having to go source a a lawyer or something like that.\n\nChannel 1: Yep. Okay. Lovely.\n\nChannel 0: Perfect. Two things I wanna go through with you was just a bit of an update on the super side of things. Do\n\nChannel 1: Mhmm.\n\nChannel 0: you log in and check the hub every now and then?\n\nChannel 1: I think last time I checked, it was probably about two or three months ago, and before that was probably about a year ago, I think. I check\n\nChannel 0: That's\n\nChannel 1: it\n\nChannel 0: alright.\n\nChannel 1: very occasionally.\n\nChannel 0: Couple\n\nChannel 1: Oh,\n\nChannel 0: of times is better than daily because people tend to panic themselves when the world's on fire.\n\nChannel 1: no. But if if I look at it daily, I'll panic. So I just kind of just check it every couple of months or every six months to a year, really.\n\nChannel 0: Awesome. Well, I've got some good news for you.\n\nChannel 1: That's good.\n\nChannel 0: It's actually still doing very well for the year despite the soft market going crazy.\n\nChannel 1: Awesome. That's good to\n\nChannel 0: I'm\n\nChannel 1: hear.\n\nChannel 0: looking at so the balance, you kind of surged from 42,000 up to 60\n\nChannel 1: Yep.\n\nChannel 0: 3,000, and it's dropped back down a little bit to 60\n\nChannel 1: But\n\nChannel 0: thousand, 60,450.\n\nChannel 1: yeah.\n\nChannel 0: Returns wise, we usually talk in percentages. And\n\nChannel 1: Yep.\n\nChannel 0: because you're in, like, a high growth where you're aiming for, like, 90 to 100%, like, shares property, like growth assets,\n\nChannel 1: Yep.\n\nChannel 0: you're aiming for, like, 10% plus would be good average.\n\nChannel 1: Okay.\n\nChannel 0: You've still cleared 15 and a half percent after fees for the last twelve months. Yeah. So compared to a lot of PeopleSuper that I've been reviewing the last three months, it's still going very strong, actually. I'm quite surprised. Not that I don't think our portfolios aren't amazing, but I just thought, you know, when a couple of those sectors we picked jumped up 30 to 90%, it was like, oh, that's carried us super quite well.\n\nChannel 1: Awesome. No. It's good to hear.\n\nChannel 0: So a couple of those very extremely high returns has kind of carried the weight for most of what's been going on, which is like battery tech, you know, like electric vehicles and a bit of the\n\nChannel 1: Yep.\n\nChannel 0: gold as well. So that's\n\nChannel 1: Yep.\n\nChannel 0: that's had a really strong one. A couple of things I think that we should probably update soon is your Australian shares, that one option, the Bennelong option's kind of underperformed a little bit, and it's\n\nChannel 1: Okay.\n\nChannel 0: kind of split off from the pack. Like, if the Aussie market's going up a little bit and all the other Aussie shares funds have gone up a bit, this one's actually dropped when the other funds have gone up. So out of about nine options, eight have done fantastic. One of them has done, I would guess, I would say, underperforming, and that's\n\nChannel 1: Yep.\n\nChannel 0: probably one that I would seek to just do a bit of an update to.\n\nChannel 1: That's fine. Totally fine with that.\n\nChannel 0: Cool. Because you still have a good, again, 30 until retirement, are you okay to sort of stay in that high growth where it's just going for as high long term returns as you can?\n\nChannel 1: Yeah. I reckon so.\n\nChannel 0: Yep. It's gonna be off\n\nChannel 1: I\n\nChannel 0: and down\n\nChannel 1: think\n\nChannel 0: like a roller coaster, but it just slowly stacks over the years.\n\nChannel 1: Yep. Yeah. I think if I when I get to a point where I'm not sorry. Where I'm not comfortable with it, I'll probably call you guys and change it.\n\nChannel 0: Yeah. And that's one of those things is when you're sitting at your current balance, like, because it's percentage based, 10% up or down is, like, $6.\n\nChannel 1: Yep.\n\nChannel 0: Once you've got half 1,000,000 sitting there, we're talking, like, 50 to $100 every time. So\n\nChannel 1: Yep.\n\nChannel 0: it gets a lot more extreme when you get closer to retirement, and we probably don't wanna leave you in high growth when you'll say 59 and you lose half your super year before you're gonna live off of it.\n\nChannel 1: Yep. Not a problem.\n\nChannel 0: Does that make sense?\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. When it comes to contributions, everything's coming through from work pretty okay. You're obviously looking to do a career change, so probably not the best time to be looking to do some salary sacrifice or anything like that.\n\nChannel 1: Yep.\n\nChannel 0: Probably better just to keep again, build your savings, pay off the mortgage, change careers, and then once all you've settled into that in a few years' time, we can revisit a few things like that if we need to.\n\nChannel 1: Yeah. I definitely wanna look at salary sacrifice. It may maybe in the next three, four years when it yeah. I\n\nChannel 0: Yeah.\n\nChannel 1: should say it's been more settled.\n\nChannel 0: Yeah. Look. If you're saving a $100 a week, I don't want you putting 50 of that into your super to lock away for thirty years when you've got a lot of priorities that you and them gonna need to do. Outside of that, last thing I wanted to run by you is just with your insurances with Clearview.\n\nChannel 1: Yep.\n\nChannel 0: So you've got just under 1,000,000 of life and TPD insurance. That's the total disability one. So\n\nChannel 1: Yep.\n\nChannel 0: if you pass away or can never work again, there's a million dollars just shy plus your super. That pays off the mortgage, leaves you with about half 1,000,000 left over to replace\n\nChannel 1: Yep.\n\nChannel 0: your income for a good sort of ten, fifteen years\n\nChannel 1: Yep.\n\nChannel 0: and helps Emma out. Price hasn't changed too much. You've got a policy anniversary coming up in June, which I\n\nChannel 1: Yep.\n\nChannel 0: would like to keep an eye on, but it's still sitting at about 1,689 a year. You get a 15% rebate off of that, and that comes out\n\nChannel 1: Okay.\n\nChannel 0: of the super. So I just wanna double check with you that scenario of your pass away mortgage paid off half a mil there. Is that too much, too little? Does it sound okay?\n\nChannel 1: No. That sounds okay.\n\nChannel 0: K. Last one is the income protection. So\n\nChannel 1: Yep.\n\nChannel 0: you're insured for 3,420 a month worth of cover, which at the old 70% is protecting income of just shy of $60. So you're a tiny bit underinsured there.\n\nChannel 1: Yep.\n\nChannel 0: But,\n\nChannel 1: Yep.\n\nChannel 0: I mean, would you guys be okay with 3,400 a month coming in if you're out of work for more than a month?\n\nChannel 1: Yes. From memory, it was it was just to cover really the mortgage payments because we have my my partner makes more than I do. It was\n\nChannel 0: Yep.\n\nChannel 1: mainly just to be able to cover my side of the mortgage payments.\n\nChannel 0: Perfect. Perfect. And waiting period and benefit period. So anything that puts you out for more than thirty days, you can claim on, and they'll pay you monthly up to five years for the one injury. And you\n\nChannel 1: Yep.\n\nChannel 0: can reclaim on that if you have different injuries and things like that.\n\nChannel 1: Yep. No problem.\n\nChannel 0: K. The only one you don't have is trauma cover. That's one that you've gotta pay out of pocket for heart attack, stroke, and cancer. You know, like, here's a $100 lump sum because I've had a heart attack or you want Emma\n\nChannel 1: Yep.\n\nChannel 0: to stay home with you for a little while. But, again, cash flow wise, I can get you a quote if you wanna have a look at that fourth insurance cover, but, again, you've got a lot going on.\n\nChannel 1: Yeah. No. No. At the moment, I don't think I'll need that at the moment.\n\nChannel 0: Yep. That's fine. As long as you're okay with, I guess, the the risks of, hey. If you have a heart attack, you go through the public health system. Emma's probably gonna have to look after you a little bit or lean on family.\n\nChannel 1: Yep. Yep. No. That's fine.\n\nChannel 0: Beauty. So what I might do, mate, everything's pretty well stable. I'm gonna go through in the next couple of weeks and research just a bit of a switch for the investments inside\n\nChannel 1: Yep.\n\nChannel 0: the super just to get that Australian shares picked back up again. But\n\nChannel 1: Okay.\n\nChannel 0: other than that, we'll stay high growth. We'll let you change careers. We'll keep the insurances in place for the time being. Once you do change, we may have to alter the insurances a little bit and, again, revisit some salary sacrifice in about three\n\nChannel 1: Yep.\n\nChannel 0: years' time.\n\nChannel 1: Yep. That one I'm fully aware of. Yep.\n\nChannel 0: Awesome. Any questions for me so far about what we've talked about?\n\nChannel 1: And now so far, it's looking pretty good.\n\nChannel 0: Perfect. We've sent you through the updated, like, service agreement and everything there, so the usual 1.65% for the fees. Are you still comfortable for us to look after the super for the next twelve months or so?\n\nChannel 1: Totally fine with it. I'd\n\nChannel 0: Perfect.\n\nChannel 1: much rather that because I don't know what the hell I'm doing.\n\nChannel 0: Fair enough. It seems like you you definitely like learning every year as well, and that's kind of what we aim for is just to kind of chip away at it over the years because, again, no one expects you to learn all of this in two, three conversations when we've been doing it for a decade. Awesome, mate. You have four few things to do with the house and everything, and I'm assuming you've got to get back to work soon.\n\nChannel 1: More than likely. Yep.\n\nChannel 0: Fair enough. Even though you probably wanna go home and spend a bit of time there and switch around, that's okay. Mate, it's all looking pretty good. If you have any questions, the email I've sent you is from our new system, which is called Odoo, and it\n\nChannel 1: Yep.\n\nChannel 0: kind of doubles as, like, a file notes for your client profile and also like a DocuSign as well. So if you have any trouble with that digital sign, just give us a call, but it's pretty\n\nChannel 1: Yep.\n\nChannel 0: straightforward.\n\nChannel 1: It should be all good because I've just hit complete\n\nChannel 0: Perfect. I'm just gonna do a quick little refresh, see\n\nChannel 1: then.\n\nChannel 0: if it's\n\nChannel 1: I'm\n\nChannel 0: popped\n\nChannel 1: sure\n\nChannel 0: through on my end.\n\nChannel 1: it's\n\nChannel 0: Just bear with me, please.\n\nChannel 1: loading for me at the moment.\n\nChannel 0: And you should get a pop up asking you if you would like to download, like, a signed copy for your records as well.\n\nChannel 1: Oh,\n\nChannel 0: Probably\n\nChannel 1: yeah. No.\n\nChannel 0: a\n\nChannel 1: Definitely\n\nChannel 0: good idea\n\nChannel 1: do.\n\nChannel 0: to grab that.\n\nChannel 1: Yeah. There we go. It says you will yep. All signed.\n\nChannel 0: Perfect.\n\nChannel 1: And I'll\n\nChannel 0: I'm just gonna\n\nChannel 1: download\n\nChannel 0: grab\n\nChannel 1: the copy.\n\nChannel 0: and, yeah, that's come through to us there as well. So thank you for doing that, Lee.\n\nChannel 1: All good. Thank you for sending it through.\n\nChannel 0: Easy done, mate. Team's gonna reach out to you probably in a fortnight just to book you in to go through that updated portfolio document with me, and\n\nChannel 1: Yep.\n\nChannel 0: I'll make sure you're you're sort of comfortable with what we're doing before we move things around.\n\nChannel 1: Yep. No problem at all.\n\nChannel 0: Awesome, dude. You have a fantastic week, and we'll talk to you in a couple of weeks.\n\nChannel 1: You too. Thank you so much.\n\nChannel 0: Thanks, mate. See you later.\n\nChannel 1: Cheers. Bye.","paragraphs":[{"sentences":[{"text":"Password.","start":1.76,"end":2.24,"sentiment":"neutral","sentiment_score":0.013648629188537598},{"text":"Sybil speaking.","start":2.24,"end":3.1399999,"sentiment":"neutral","sentiment_score":0.026219608262181282}],"sentiment":"neutral","sentiment_score":0.022029281904300053,"channel":1,"num_words":3,"start":1.76,"end":3.1399999},{"sentences":[{"text":"Good day, Lee.","start":4.24,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.30919379989306134},{"text":"This is Tommy here, mate, senior adviser from Oakview.","start":4.7999997,"end":7.12,"sentiment":"neutral","sentiment_score":0.22201132443216112},{"text":"How are you doing today?","start":7.12,"end":8.18,"sentiment":"neutral","sentiment_score":0.16571904122829437}],"sentiment":"neutral","sentiment_score":0.22083991327706506,"channel":0,"num_words":17,"start":4.24,"end":8.18},{"sentences":[{"text":"Good, mate.","start":8.32,"end":8.8,"sentiment":"neutral","sentiment_score":0.2873210310935974},{"text":"How are you?","start":8.8,"end":9.62,"sentiment":"neutral","sentiment_score":0.20889969170093536}],"sentiment":"neutral","sentiment_score":0.2402682274580002,"channel":1,"num_words":5,"start":8.32,"end":9.62},{"sentences":[{"text":"Doing fantastic.","start":9.84,"end":10.66,"sentiment":"positive","sentiment_score":0.7586281895637512},{"text":"It's a beautiful short week for the Easter long weekend, mate.","start":10.8,"end":14.48,"sentiment":"positive","sentiment_score":0.6556332815777172},{"text":"How's it your end?","start":14.48,"end":15.615,"sentiment":"neutral","sentiment_score":0.19816899113357067}],"sentiment":"positive","sentiment_score":0.5601116730009809,"channel":0,"num_words":17,"start":9.84,"end":15.615},{"sentences":[{"text":"Yeah.","start":15.885,"end":16.285,"sentiment":"neutral","sentiment_score":0.008767837658524513},{"text":"Not the same.","start":16.285,"end":17.105,"sentiment":"neutral","sentiment_score":-0.04721824576457342}],"sentiment":"neutral","sentiment_score":-0.03322172490879893,"channel":1,"num_words":4,"start":15.885,"end":17.105},{"sentences":[{"text":"Beautiful.","start":17.695,"end":18.175,"sentiment":"neutral","sentiment_score":0.28319233655929565},{"text":"Beautiful.","start":18.175,"end":18.494999,"sentiment":"neutral","sentiment_score":0.2876591682434082},{"text":"Mate, I was just giving you a call to go through your annual review.","start":18.494999,"end":21.135,"sentiment":"neutral","sentiment_score":0.08299859932490758},{"text":"Do you still have time for me?","start":21.135,"end":22.675,"sentiment":"neutral","sentiment_score":0.031247746465461596}],"sentiment":"neutral","sentiment_score":0.08485070089607136,"channel":0,"num_words":23,"start":17.695,"end":22.675},{"sentences":[{"text":"Yeah.","start":22.685001,"end":23.005001,"sentiment":"neutral","sentiment_score":0.05746079236268997},{"text":"Yeah.","start":23.005001,"end":23.165,"sentiment":"neutral","sentiment_score":0.08989371359348297},{"text":"It's fine.","start":23.165,"end":23.825,"sentiment":"neutral","sentiment_score":0.1757444590330124}],"sentiment":"neutral","sentiment_score":0.12471085600554943,"channel":1,"num_words":4,"start":22.685001,"end":23.825},{"sentences":[{"text":"Perfect.","start":24.175,"end":24.654999,"sentiment":"positive","sentiment_score":0.4038587808609009},{"text":"Perfect.","start":24.654999,"end":25.055,"sentiment":"neutral","sentiment_score":0.30179378390312195},{"text":"So before I send through your annual review pack, just wanna let you know that as usual, the calls are recorded for training and quality purposes.","start":25.055,"end":32.29,"sentiment":"neutral","sentiment_score":0.09629716222675946}],"sentiment":"neutral","sentiment_score":0.11462067080927747,"channel":0,"num_words":28,"start":24.175,"end":32.29},{"sentences":[{"text":"Yep.","start":32.67,"end":32.989998,"sentiment":"neutral","sentiment_score":0.07073565572500229},{"text":"Totally fine.","start":32.989998,"end":33.89,"sentiment":"neutral","sentiment_score":0.08945973217487335}],"sentiment":"neutral","sentiment_score":0.08321837335824966,"channel":1,"num_words":3,"start":32.67,"end":33.89},{"sentences":[{"text":"Are you you okay to confirm your date of birth and address for me for security, please?","start":33.39,"end":38.61,"sentiment":"neutral","sentiment_score":0.06072413921356201}],"sentiment":"neutral","sentiment_score":0.06072413921356201,"channel":0,"num_words":17,"start":33.39,"end":38.61},{"sentences":[{"text":"Yep.","start":38.989998,"end":39.39,"sentiment":"neutral","sentiment_score":0.024725291877985},{"text":"So date of birth is 08/06/1995, and the address is 39 Dash 41 Falkingham, F A L K I N G H A M, Road In Mount Dublin 3796.","start":39.39,"end":52.185,"sentiment":"neutral","sentiment_score":0.04678915922754798}],"sentiment":"neutral","sentiment_score":0.04605369698256254,"channel":1,"num_words":30,"start":38.989998,"end":52.185},{"sentences":[{"text":"Thank you so much for that, mate.","start":52.460003,"end":54.32,"sentiment":"positive","sentiment_score":0.5360506432397025},{"text":"I've got a few updated documents to send through to you today.","start":54.620003,"end":58.24,"sentiment":"positive","sentiment_score":0.405816671748956}],"sentiment":"positive","sentiment_score":0.4537976086139679,"channel":0,"num_words":19,"start":52.460003,"end":58.24},{"sentences":[{"text":"Yep.","start":58.76,"end":59.26,"sentiment":"neutral","sentiment_score":0.0902581512928009}],"sentiment":"neutral","sentiment_score":0.0902581512928009,"channel":1,"num_words":1,"start":58.76,"end":59.26},{"sentences":[{"text":"I've got some information here.","start":58.940002,"end":60.620003,"sentiment":"neutral","sentiment_score":0.05949242562055588},{"text":"We've just recently changed systems.","start":60.620003,"end":62.88,"sentiment":"neutral","sentiment_score":0.024963290989398958},{"text":"So","start":63.260002,"end":63.66,"sentiment":"neutral","sentiment_score":0.05634035915136337}],"sentiment":"neutral","sentiment_score":0.04351081292737614,"channel":0,"num_words":11,"start":58.940002,"end":63.66},{"sentences":[{"text":"Yep.","start":63.399998,"end":63.899998,"sentiment":"neutral","sentiment_score":0.05981847643852234}],"sentiment":"neutral","sentiment_score":0.05981847643852234,"channel":1,"num_words":1,"start":63.399998,"end":63.899998},{"sentences":[{"text":"I'm gonna run through just quickly what we've got on file just to make sure all of your details are accurate and just see if there's been any major changes down your end, if that's alright.","start":63.66,"end":72.165,"sentiment":"neutral","sentiment_score":0.09028689159701268}],"sentiment":"neutral","sentiment_score":0.09028689159701268,"channel":0,"num_words":36,"start":63.66,"end":72.165},{"sentences":[{"text":"Yep.","start":72.475,"end":72.975,"sentiment":"neutral","sentiment_score":0.04618626832962036}],"sentiment":"neutral","sentiment_score":0.04618626832962036,"channel":1,"num_words":1,"start":72.475,"end":72.975},{"sentences":[{"text":"And before I do that, mate, anything in particular you would like to get out of today's annual review?","start":73.185005,"end":77.765,"sentiment":"neutral","sentiment_score":0.032024544614710306}],"sentiment":"neutral","sentiment_score":0.032024544614710306,"channel":0,"num_words":19,"start":73.185005,"end":77.765},{"sentences":[{"text":"Not off the top of my head.","start":81.29,"end":82.67,"sentiment":"neutral","sentiment_score":-0.03755413394953523}],"sentiment":"neutral","sentiment_score":-0.03755413394953523,"channel":1,"num_words":7,"start":81.29,"end":82.67},{"sentences":[{"text":"Perfect.","start":83.3,"end":83.62,"sentiment":"neutral","sentiment_score":0.10782282054424286},{"text":"So just a bit of a general update, see if we need to make any changes, that kind of thing.","start":83.62,"end":87.560005,"sentiment":"neutral","sentiment_score":0.04899787977337837}],"sentiment":"neutral","sentiment_score":0.05179906742913382,"channel":0,"num_words":21,"start":83.3,"end":87.560005},{"sentences":[{"text":"Yep.","start":87.77,"end":88.27,"sentiment":"neutral","sentiment_score":0.07348618656396866}],"sentiment":"neutral","sentiment_score":0.07348618656396866,"channel":1,"num_words":1,"start":87.77,"end":88.27},{"sentences":[{"text":"Perfect.","start":88.98,"end":89.380005,"sentiment":"neutral","sentiment_score":0.14833706617355347},{"text":"Perfect.","start":89.380005,"end":89.880005,"sentiment":"neutral","sentiment_score":0.15563645958900452},{"text":"Now for today's review, I'm gonna send the pack through to your Gmail account.","start":90.675,"end":94.275,"sentiment":"neutral","sentiment_score":0.09005480419312205},{"text":"Do you still have access","start":94.275,"end":95.715,"sentiment":"neutral","sentiment_score":0.025813482329249383}],"sentiment":"neutral","sentiment_score":0.08065753314821493,"channel":0,"num_words":21,"start":88.98,"end":95.715},{"sentences":[{"text":"Yep.","start":95.61,"end":95.955,"sentiment":"neutral","sentiment_score":0.033258117735385895}],"sentiment":"neutral","sentiment_score":0.033258117735385895,"channel":1,"num_words":1,"start":95.61,"end":95.955},{"sentences":[{"text":"to that one?","start":95.715,"end":96.455,"sentiment":"neutral","sentiment_score":0.036677403996388115}],"sentiment":"neutral","sentiment_score":0.036677403996388115,"channel":0,"num_words":3,"start":95.715,"end":96.455},{"sentences":[{"text":"Yeah.","start":96.435005,"end":96.675,"sentiment":"neutral","sentiment_score":0.06028267368674278},{"text":"That's fine.","start":96.675,"end":97.575005,"sentiment":"neutral","sentiment_score":0.12221693992614746}],"sentiment":"neutral","sentiment_score":0.10157218451301257,"channel":1,"num_words":3,"start":96.435005,"end":97.575005},{"sentences":[{"text":"Beautiful.","start":97.795,"end":98.195,"sentiment":"positive","sentiment_score":0.34479010105133057},{"text":"I'll shoot that through now just so it comes through because it sometimes it takes a few minutes.","start":98.195,"end":102.135,"sentiment":"neutral","sentiment_score":0.18113444455795819}],"sentiment":"neutral","sentiment_score":0.18974790016287252,"channel":0,"num_words":19,"start":97.795,"end":102.135},{"sentences":[{"text":"Yep.","start":102.435005,"end":102.935005,"sentiment":"neutral","sentiment_score":0.13858892023563385}],"sentiment":"neutral","sentiment_score":0.13858892023563385,"channel":1,"num_words":1,"start":102.435005,"end":102.935005},{"sentences":[{"text":"This will have, like, your super performance on there, your certificate of currency for your ClearView policy, as well as, like, updated financial services guides with Oakview.","start":103.18,"end":113.6,"sentiment":"neutral","sentiment_score":0.19272208324185125}],"sentiment":"neutral","sentiment_score":0.19272208324185125,"channel":0,"num_words":27,"start":103.18,"end":113.6},{"sentences":[{"text":"Yep.","start":114.2,"end":114.52,"sentiment":"neutral","sentiment_score":0.055755019187927246},{"text":"No dramas.","start":114.52,"end":115.259995,"sentiment":"neutral","sentiment_score":-0.018589455634355545}],"sentiment":"neutral","sentiment_score":0.006192035973072052,"channel":1,"num_words":3,"start":114.2,"end":115.259995},{"sentences":[{"text":"So I'm gonna pop that through to you now.","start":115.355,"end":117.775,"sentiment":"neutral","sentiment_score":0.0640704987777604},{"text":"It may go through to your main inbox or your spam box, 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to.","start":749.395,"end":759.94,"sentiment":"neutral","sentiment_score":0.11422329265624284}],"sentiment":"neutral","sentiment_score":0.11422329265624284,"channel":0,"num_words":40,"start":749.395,"end":759.94},{"sentences":[{"text":"Yeah.","start":760.025,"end":760.34503,"sentiment":"neutral","sentiment_score":0.14267049729824066},{"text":"I definitely wanna look at salary sacrifice.","start":760.34503,"end":762.685,"sentiment":"neutral","sentiment_score":0.1361574972314494},{"text":"It may maybe in the next three, four years when it 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Clearview.","start":779.05505,"end":784.03503,"sentiment":"neutral","sentiment_score":-0.009356969243122472}],"sentiment":"neutral","sentiment_score":-0.14969953310565423,"channel":0,"num_words":59,"start":767.76,"end":784.03503},{"sentences":[{"text":"Yep.","start":784.76996,"end":785.26996,"sentiment":"neutral","sentiment_score":0.034777503460645676}],"sentiment":"neutral","sentiment_score":0.034777503460645676,"channel":1,"num_words":1,"start":784.76996,"end":785.26996},{"sentences":[{"text":"So you've got just under 1,000,000 of life and TPD insurance.","start":785.73,"end":789.41,"sentiment":"neutral","sentiment_score":-0.02220997502180663},{"text":"That's the total disability 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They discuss Lee's financial goals and retirement plans, as well as the value of Lee's property. The agent provides guidance on updating will and power of attorney and discusses the success of their portfolio, including good returns despite a soft market. They also discuss updating beneficiary coverage and beneficiary relationships, as well as updating their Australian shares and contributions. The speaker provides updates on their retirement plans, retirement of their insurance policy, and home careers, and sends a follow-up email with information on their monthly premium and insurance policy. They also discuss a service agreement and a new system for updating their policy."},"intents":{"segments":[{"text":"Thank you so much for that, mate. I've got a few updated documents to send through to you today. Yep.","start_word":151,"end_word":170,"intents":[{"intent":"Update information","confidence_score":0.019942017}]},{"text":"just have a quick look. And $5.20, do you think? I can check for you. Hang on. Bear with me.","start_word":976,"end_word":995,"intents":[{"intent":"Request callback","confidence_score":0.000279864}]},{"text":"Are we putting Emma down for the super and the life insurance if that's still needing Yep. to be done? Yeah. Yeah.","start_word":1350,"end_word":1371,"intents":[{"intent":"Check life insurance status","confidence_score":0.0057546645}]},{"text":"She's my my partner. Yep. And are you guys still defacto? Yes. 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Yeah.","start_word":2336,"end_word":2376,"intents":[{"intent":"Review investment strategies","confidence_score":0.0013575843}]},{"text":"Outside of that, last thing I wanted to run by you is just with your insurances with Clearview.","start_word":2445,"end_word":2462,"intents":[{"intent":"Offer insurance coverage","confidence_score":0.0010165387}]},{"text":"So anything that puts you out for more than thirty days, you can claim on, and they'll pay you monthly up to five years for the one injury. And you can Yep. reclaim on that if you have different injuries and things like that. Yep.","start_word":2729,"end_word":2773,"intents":[{"intent":"Offer insurance coverage","confidence_score":0.0026016496}]},{"text":"Are you still comfortable for us to look after the super for the next twelve months or so?","start_word":3067,"end_word":3084,"intents":[{"intent":"Discuss super","confidence_score":0.024580859},{"intent":"Ensure a good look","confidence_score":7.343482e-8}]},{"text":"If you have any questions, the email I've sent you is from our new system, which is called Odoo, and it Yep. kind of doubles as, like, a file notes for your client profile and also like a DocuSign as well. So if you have any trouble with that digital sign, just give us a call, but it's pretty Yep. straightforward.","start_word":3215,"end_word":3275,"intents":[{"intent":"Transfer to new system","confidence_score":0.00027526738},{"intent":"Respond to a request","confidence_score":0.0006409696}]},{"text":"So if you have any trouble with that digital sign, just give us a call, but it's pretty Yep. straightforward.","start_word":3256,"end_word":3275,"intents":[{"intent":"Request a call","confidence_score":0.009560733}]},{"text":"And you should get a pop up asking you if you would like to download, like, a signed copy for your records as well. Oh, Probably yeah.","start_word":3318,"end_word":3344,"intents":[{"intent":"Download signed copy","confidence_score":0.22238256}]}]},"sentiments":{"segments":[{"text":"Password. Sybil speaking. Good day, Lee. This is Tommy here, mate, senior adviser from Oakview. How are you doing today? Good, mate. How are you?","start_word":0,"end_word":24,"sentiment":"neutral","sentiment_score":0.19314932823181152},{"text":"Doing fantastic. It's a beautiful short week for the Easter long weekend, mate.","start_word":25,"end_word":37,"sentiment":"positive","sentiment_score":0.6686353087425232},{"text":"How's it your end? Yeah. Not the same. Beautiful. Beautiful. Mate, I was just giving you a call to go through your annual review. Do you still have time for me? Yeah. Yeah. It's fine.","start_word":38,"end_word":72,"sentiment":"neutral","sentiment_score":0.10286011546850204},{"text":"Perfect.","start_word":73,"end_word":73,"sentiment":"positive","sentiment_score":0.4038587808609009},{"text":"Perfect. So before I send through your annual review pack, just wanna let you know that as usual, the calls are recorded for training and quality purposes. Yep. Totally Are fine. you you okay to confirm your date of birth and address for me for security, please? Yep. So date of birth is 08/06/1995, and the address is 39 Dash 41 Falkingham, F A L K I N G H A M, Road In Mount Dublin 3796.","start_word":74,"end_word":150,"sentiment":"neutral","sentiment_score":0.0710102915763855},{"text":"Thank you so much for that, mate. I've got a few updated documents to send through to you today.","start_word":151,"end_word":169,"sentiment":"positive","sentiment_score":0.46577519178390503},{"text":"Yep. I've got some information here. We've just recently changed systems. So Yep. I'm gonna run through just quickly what we've got on file just to make sure all of your details are accurate and just see if there's been any major changes down your end, if that's alright. Yep. And before I do that, mate, anything in particular you would like to get out of today's annual review? Not off the top of my head. Perfect. So just a bit of a general update, see if we need to make any changes, that kind of thing. Yep. Perfect. Perfect. Now for today's review, I'm gonna send the pack through to your Gmail account. Do you still have access Yep. to that one? Yeah. That's fine.","start_word":170,"end_word":295,"sentiment":"neutral","sentiment_score":0.06283159554004669},{"text":"Beautiful.","start_word":296,"end_word":296,"sentiment":"positive","sentiment_score":0.34479010105133057},{"text":"I'll shoot that through now just so it comes through because it sometimes it takes a few minutes. Yep. This will have, like, your super performance on there, your certificate of currency for your ClearView policy, as well as, like, updated financial services guides with Oakview. Yep. No dramas. So I'm gonna pop that through to you now. It may go through to your main inbox or your spam box, and That's I'm alright. just Okay. gonna Put an eye bring out for up your it. file. Let's have a look see here. So I've kind of spliced together the information that we had originally. So just let me know if all this is accurate. Yep. Goals wise, so you were trying to aim between the ages of 60 and 67 for retirement, obviously, a bit earlier if possible. Going I'm actually for about hoping to change change that to earlier as possible. yep. Earlier if possible.","start_word":297,"end_word":453,"sentiment":"neutral","sentiment_score":0.098602915645405},{"text":"Fantastic. I think we just had a bit of, like, a tentative goal of about $1,500 a week in today's dollars tax free as just a bit Yep.","start_word":454,"end_word":481,"sentiment":"positive","sentiment_score":0.38318225741386414},{"text":"of a North Star as we get closer to retirement. Yep. At this point, you wanna make sure that you're sort of debt free, make sure you're getting some good growth out of the super, and we did sort out a little bit on the insurance side. Is there anything else major going on in the next sort of one to five years for you? Give me one second. Hang on. Just jump out of the office. You'd be alright for a sec, Jordan? No. Cool. Thank you. Okay. So I swear that person said, no. That won't be alright. You were that'll like, yep. be fine. That'll That'll be fine. be To be honest, alright. I'm probably gonna be doing looking at doing a career change Yeah. Okay. just to I think I'm just gonna go and change and go and do an apprenticeship, which seems a bit odd being a 30 year old wanting to change careers. Hey. Why not? But yeah. So that's I I think I'm aiming at doing that at the end of the year. Yeah.","start_word":482,"end_word":662,"sentiment":"neutral","sentiment_score":0.04757656902074814},{"text":"Perfect.","start_word":663,"end_word":663,"sentiment":"positive","sentiment_score":0.35085493326187134},{"text":"End of the year. What type of trade are you looking for? Just plumbing apprenticeship.","start_word":664,"end_word":678,"sentiment":"neutral","sentiment_score":0.06648646295070648},{"text":"Loving. Beautiful.","start_word":679,"end_word":680,"sentiment":"positive","sentiment_score":0.5567925572395325},{"text":"And are you still at Fastway Civil Supplies at the moment? Yeah. Yep. Cool. So I think we had you as, like, a sales admin earning about 63,000 approximately. Yes. So still sales admin, but the pay has gone up to 68. 68.","start_word":681,"end_word":723,"sentiment":"neutral","sentiment_score":0.07348917424678802},{"text":"Thank you for that, sir.","start_word":724,"end_word":728,"sentiment":"positive","sentiment_score":0.6251285076141357},{"text":"With the savings amount, I think you were trying to put away about $125 a week into savings. Has that gone up, down, stayed the same? I know Realistically, cost of living has gone nuts. I think it's about probably best stayed the same, really. Yep. Stayed the same. That's fair enough. And how has everything been going for you with all of the petrol cost of living rates, all that kind of stuff? Is it okay? I mean, it could be better. It could be cheaper. Yeah. Not But, wrong. I mean, it it's not the hardest thing. I mean, we're still we're still getting by with it. I mean, mortgages, you know, still the same. We're we're on a fixed rate and we'll be for the next three years. So we just try and keep that Nice. where it is. So, I mean, apart from that, everything's really fine.","start_word":729,"end_word":879,"sentiment":"neutral","sentiment_score":0.06509655714035034},{"text":"Perfect.","start_word":880,"end_word":880,"sentiment":"positive","sentiment_score":0.4327740669250488},{"text":"I think we had the house valued at about $6.50 last time, owing about $5.55. Has that kind of jumped up a bit? I actually don't know how much it's jumped up by because I haven't had it I haven't had it valued, but I think we're owing about 6 not 6. We're owing about $5.20 now. $5.20. I might just quickly put in the address on the old Googles and just see if there's any because I think the the valuations have jumped up, and they've got some estimates for you. Let me Yep. just have a quick look. And $5.20, do you think? I can check for you. Hang on. Bear with me. Oh, jeez. Google's sorry. Property.com thinks that your property value with high confidence is now 726,000. I hope so.","start_word":881,"end_word":1014,"sentiment":"neutral","sentiment_score":0.03560551255941391},{"text":"That's pretty good.","start_word":1015,"end_word":1017,"sentiment":"positive","sentiment_score":0.4587518870830536},{"text":"Yeah. Are you okay for me to put that in as the estimate for the time being?","start_word":1018,"end_word":1034,"sentiment":"neutral","sentiment_score":0.12450705468654633},{"text":"Totally fine.","start_word":1035,"end_word":1036,"sentiment":"positive","sentiment_score":0.3351753056049347},{"text":"Yep. No worries at all. And we are owing where are we at? 530,000. $5.30.","start_word":1037,"end_word":1051,"sentiment":"neutral","sentiment_score":0.03045512363314629},{"text":"Thank you for that, sir. Appreciate that.","start_word":1052,"end_word":1058,"sentiment":"positive","sentiment_score":0.6548085808753967},{"text":"No worries. Other assets wise, I think we just had the car there valued at about 10 grands. We didn't really have anything listed as far as, like, savings or any other shares or crypto or anything like that. Yeah. No. The car's the car's changed because I sold it. The the new Yeah. car's Yeah. probably about 1,500 of value.","start_word":1059,"end_word":1119,"sentiment":"neutral","sentiment_score":-0.009737125597894192},{"text":"Nice.","start_word":1120,"end_word":1120,"sentiment":"positive","sentiment_score":0.35186415910720825},{"text":"Okay.","start_word":1121,"end_word":1121,"sentiment":"neutral","sentiment_score":0.23238560557365415},{"text":"We got a nice little low fuel, low cost.","start_word":1122,"end_word":1130,"sentiment":"positive","sentiment_score":0.33782681822776794},{"text":"I'm hoping it's like Corolla or something. No. It's a it's a little ramble. RAV My four. Awesome. my And mom's old car. and you don't owe anything on that, I'm hoping? No. Perfect. So that's the old new RAV four, new slash old RAV four. Lee, you've never gone through bankruptcy or a part nine debt agreement before, have you? No. Perfect. It's just a bit of a new insolvency check that we do. Did you end up getting, like, a will or a power of attorney put in place on the old estate side of things? Not as of yet, but is that something I should look at soon or now? Yeah. It's it's so it's always nice to put in place. A couple of things I wanted to check with you today is Yep. so the will obviously covers your your personal assets, your shoes, your bank, your car, your house, Yep. and your beneficiary covers your superannuation, and there's a beneficiary for your life insurance as well. So that's Yeah. kind of I need the triangle. Does that make sense? yeah. Yeah. I needed it as a beneficiary thing. I haven't actually done that. So That's my the one list thing I of things wanted to to sort do. of Yep. remind you on. Are we putting Emma down for the super and the life insurance if that's still needing Yep. to be done? Yeah. Yeah. She's my my partner. Yep. And are you guys still defacto? Yes.","start_word":1131,"end_word":1382,"sentiment":"neutral","sentiment_score":0.009047655078272024},{"text":"Perfect.","start_word":1383,"end_word":1383,"sentiment":"positive","sentiment_score":0.48809656500816345},{"text":"So I'll say beneficiary for both for the super and the life insurance. I'll double check the life insurance to see if that was put in place, and we'll send you out the forms for that. Once you get them, just make sure you get them like a it's like a wet signature and witnessed, Yep.","start_word":1384,"end_word":1439,"sentiment":"neutral","sentiment_score":0.19686701893806455},{"text":"and then you should be good to go.","start_word":1440,"end_word":1447,"sentiment":"positive","sentiment_score":0.4249364733695984},{"text":"We usually give you, like, a cover letter and everything with some instructions, make it a little bit simple for you. But if you call the office, the team can walk you through it pretty easy. I know my brother because my brother's with Oakview as well. I know he's done it, so I can always grab him as a a witness or my dad as a witness. Yeah. Perfect. As long as it's not your beneficiary like Emma signing off on herself, that's Oh, perfect. yeah. That's fine. Can it be is it okay to be a relative? Yeah. Yeah. It's fine as long as it's not the beneficiary themselves. Any adult over the age of 18 is Yep. fine. That's fine. No problem.","start_word":1448,"end_word":1572,"sentiment":"neutral","sentiment_score":0.13959184288978577},{"text":"Beautiful.","start_word":1573,"end_word":1573,"sentiment":"positive","sentiment_score":0.5655601024627686},{"text":"The reminder for the will and everything is just like, hey.","start_word":1574,"end_word":1584,"sentiment":"neutral","sentiment_score":0.3214491605758667},{"text":"Look. It's it's nice to put in place. Your situation isn't too complex.","start_word":1585,"end_word":1597,"sentiment":"positive","sentiment_score":0.4304930865764618},{"text":"You can even do, like, a $25 will kit and power of attorney kit from the post office if you wanted to go that way rather than having to go source a a lawyer or something like that. Yep.","start_word":1598,"end_word":1636,"sentiment":"neutral","sentiment_score":0.2097979635000229},{"text":"Okay. Lovely. Perfect.","start_word":1637,"end_word":1639,"sentiment":"positive","sentiment_score":0.4930681586265564},{"text":"Two things I wanna go through with you was just a bit of an update on the super side of things. Do Mhmm. you log in and check the hub every now and then? I think last time I checked, it was probably about two or three months ago, and before that was probably about a year ago, I think. I check That's it alright. very occasionally. Couple Oh, of times is better than daily because people tend to panic themselves when the world's on fire. no. But if if I look at it daily, I'll panic. So I just kind of just check it every couple of months or every six months to a year, really.","start_word":1640,"end_word":1756,"sentiment":"neutral","sentiment_score":-0.0018770895962022308},{"text":"Awesome. Well, I've got some good news for you. That's good. It's actually still doing very well for the year despite the soft market going crazy. Awesome. That's good to I'm hear.","start_word":1757,"end_word":1788,"sentiment":"positive","sentiment_score":0.5284672975540161},{"text":"looking at so the balance, you kind of surged from 42,000 up to 60 Yep. 3,000, and it's dropped back down a little bit to 60 But thousand, 60,450. yeah. Returns wise, we usually talk in percentages. And Yep. because you're in, like, a high growth where you're aiming for, like, 90 to 100%, like, shares property, like growth assets, Yep. you're aiming for, like, 10% plus would be good average. Okay. You've still cleared 15 and a half percent after fees for the last twelve months. Yeah. So compared to a lot of PeopleSuper that I've been reviewing the last three months, it's still going very strong, actually. I'm quite surprised. Not that I don't think our portfolios aren't amazing, but I just thought, you know, when a couple of those sectors we picked jumped up 30 to 90%, it was like, oh, that's carried us super quite well. Awesome. No. It's good to hear. So a couple of those very extremely high returns has kind of carried the weight for most of what's been going on, which is like battery tech, you know, like electric vehicles and a bit of the Yep. gold as well. So that's Yep. that's had a really strong one. A couple of things I think that we should probably update soon is your Australian shares, that one option, the Bennelong option's kind of underperformed a little bit, and it's Okay. kind of split off from the pack. Like, if the Aussie market's going up a little bit and all the other Aussie shares funds have gone up a bit, this one's actually dropped when the other funds have gone up.","start_word":1789,"end_word":2065,"sentiment":"neutral","sentiment_score":0.11094638269515676},{"text":"So out of about nine options, eight have done fantastic.","start_word":2066,"end_word":2075,"sentiment":"positive","sentiment_score":0.40931236743927},{"text":"One of them has done, I would guess, I would say, underperforming, and that's Yep. probably one that I would seek to just do a bit of an update to. That's fine.","start_word":2076,"end_word":2107,"sentiment":"neutral","sentiment_score":0.1064094603061676},{"text":"Totally fine with that. Cool. Because you still have a good, again, 30 until retirement, are you okay to sort of stay in that high growth where it's just going for as high long term returns as you can?","start_word":2108,"end_word":2146,"sentiment":"positive","sentiment_score":0.4123208522796631},{"text":"Yeah. I reckon so. Yep. It's gonna be off I and down think like a roller coaster, but it just slowly stacks over the years. Yep. Yeah. I think if I when I get to a point where I'm not sorry. Where I'm not comfortable with it, I'll probably call you guys and change it. Yeah. And that's one of those things is when you're sitting at your current balance, like, because it's percentage based, 10% up or down is, like, $6. Yep. Once you've got half 1,000,000 sitting there, we're talking, like, 50 to $100 every time. So Yep. it gets a lot more extreme when you get closer to retirement, and we probably don't wanna leave you in high growth when you'll say 59 and you lose half your super year before you're gonna live off of it. Yep. Not a problem. Does that make sense? Yeah.","start_word":2147,"end_word":2295,"sentiment":"neutral","sentiment_score":-0.08664467185735703},{"text":"Perfect.","start_word":2296,"end_word":2296,"sentiment":"positive","sentiment_score":0.3392895460128784},{"text":"When it comes to contributions, everything's coming through from work pretty okay. You're obviously looking to do a career change, so probably not the best time to be looking to do some salary sacrifice or anything like that. Yep. Probably better just to keep again, build your savings, pay off the mortgage, change careers, and then once all you've settled into that in a few years' time, we can revisit a few things like that if we need to. Yeah. I definitely wanna look at salary sacrifice. It may maybe in the next three, four years when it yeah. I Yeah. should say it's been more settled. Yeah. Look. If you're saving a $100 a week, I don't want you putting 50 of that into your super to lock away for thirty years when you've got a lot of priorities that you and them gonna need to do. Outside of that, last thing I wanted to run by you is just with your insurances with Clearview. Yep. So you've got just under 1,000,000 of life and TPD insurance. That's the total disability one. So Yep. if you pass away or can never work again, there's a million dollars just shy plus your super. That pays off the mortgage, leaves you with about half 1,000,000 left over to replace Yep. your income for a good sort of ten, fifteen years Yep. and helps Emma out. Price hasn't changed too much. You've got a policy anniversary coming up in June, which I Yep. would like to keep an eye on, but it's still sitting at about 1,689 a year. You get a 15% rebate off of that, and that comes out Okay. of the super. So I just wanna double check with you that scenario of your pass away mortgage paid off half a mil there.","start_word":2297,"end_word":2600,"sentiment":"neutral","sentiment_score":-0.014916013019453538},{"text":"Is that too much, too little?","start_word":2601,"end_word":2606,"sentiment":"negative","sentiment_score":-0.33607056736946106},{"text":"Does it sound okay? No. That sounds okay. K. Last one is the income protection. So Yep. you're insured for 3,420 a month worth of cover, which at the old 70% is protecting income of just shy of $60. So you're a tiny bit underinsured there. Yep. But, Yep. I mean, would you guys be okay with 3,400 a month coming in if you're out of work for more than a month? Yes. From memory, it was it was just to cover really the mortgage payments because we have my my partner makes more than I do. It was Yep. mainly just to be able to cover my side of the mortgage payments.","start_word":2607,"end_word":2719,"sentiment":"neutral","sentiment_score":-0.07675190269947052},{"text":"Perfect. Perfect.","start_word":2720,"end_word":2721,"sentiment":"positive","sentiment_score":0.5768426656723022},{"text":"And waiting period and benefit period. So anything that puts you out for more than thirty days, you can claim on, and they'll pay you monthly up to five years for the one injury. And you can Yep. reclaim on that if you have different injuries and things like that. Yep. No problem. K. The only one you don't have is trauma cover. That's one that you've gotta pay out of pocket for heart attack, stroke, and cancer. You know, like, here's a $100 lump sum because I've had a heart attack or you want Emma Yep. to stay home with you for a little while. But, again, cash flow wise, I can get you a quote if you wanna have a look at that fourth insurance cover, but, again, you've got a lot going on. Yeah. No. No. At the moment, I don't think I'll need that at the moment. Yep. That's fine. As long as you're okay with, I guess, the the risks of, hey. If you have a heart attack, you go through the public health system. Emma's probably gonna have to look after you a little bit or lean on family. Yep. Yep. No. That's fine. Beauty. So what I might do, mate, everything's pretty well stable. I'm gonna go through in the next couple of weeks and research just a bit of a switch for the investments inside Yep. the super just to get that Australian shares picked back up again. But Okay. other than that, we'll stay high growth. We'll let you change careers. We'll keep the insurances in place for the time being. Once you do change, we may have to alter the insurances a little bit and, again, revisit some salary sacrifice in about three Yep. years' time. Yep. That one I'm fully aware of. Yep.","start_word":2722,"end_word":3025,"sentiment":"neutral","sentiment_score":0.005283746148435105},{"text":"Awesome.","start_word":3026,"end_word":3026,"sentiment":"positive","sentiment_score":0.5023154020309448},{"text":"Any questions for me so far about what we've talked about?","start_word":3027,"end_word":3037,"sentiment":"neutral","sentiment_score":0.27597513794898987},{"text":"And now so far, it's looking pretty good. Perfect.","start_word":3038,"end_word":3046,"sentiment":"positive","sentiment_score":0.5541227459907532},{"text":"We've sent you through the updated, like, service agreement and everything there, so the usual 1.65% for the fees. Are you still comfortable for us to look after the super for the next twelve months or so?","start_word":3047,"end_word":3083,"sentiment":"neutral","sentiment_score":0.1659516482739835},{"text":"Totally fine with it.","start_word":3084,"end_word":3087,"sentiment":"positive","sentiment_score":0.5121350288391113},{"text":"I'd Perfect. much rather that because I don't know what the hell I'm doing. Fair enough. It seems like you you definitely like learning every year as well, and that's kind of what we aim for is just to kind of chip away at it over the years because, again, no one expects you to learn all of this in two, three conversations when we've been doing it for a decade.","start_word":3088,"end_word":3158,"sentiment":"neutral","sentiment_score":0.0035766311921179295},{"text":"Awesome, mate. You have four few things to do with the house and everything, and I'm assuming you've got to get back to work soon.","start_word":3159,"end_word":3183,"sentiment":"positive","sentiment_score":0.4859423041343689},{"text":"More than likely. Yep. Fair enough. Even though you probably wanna go home and spend a bit of time there and switch around, that's okay.","start_word":3184,"end_word":3208,"sentiment":"neutral","sentiment_score":0.18269358575344088},{"text":"Mate, it's all looking pretty good.","start_word":3209,"end_word":3214,"sentiment":"positive","sentiment_score":0.6298828125},{"text":"If you have any questions, the email I've sent you is from our new system, which is called Odoo, and it Yep. kind of doubles as, like, a file notes for your client profile and also like a DocuSign as well. So if you have any trouble with that digital sign, just give us a call, but it's pretty Yep. straightforward.","start_word":3215,"end_word":3275,"sentiment":"neutral","sentiment_score":0.15690046548843384},{"text":"It should be all good because I've just hit complete Perfect.","start_word":3276,"end_word":3286,"sentiment":"positive","sentiment_score":0.6056143045425415},{"text":"I'm just gonna do a quick little refresh, see then. if it's I'm popped sure through on my end. it's Just bear with me, please. loading for me at the moment. And you should get a pop up asking you if you would like to download, like, a signed copy for your records as well. Oh, Probably yeah. No. a Definitely good idea do. to grab that. Yeah. There we go. It says you will yep. All signed.","start_word":3287,"end_word":3364,"sentiment":"neutral","sentiment_score":0.1364913284778595},{"text":"Perfect.","start_word":3365,"end_word":3365,"sentiment":"positive","sentiment_score":0.3797163963317871},{"text":"And I'll I'm just gonna download grab the copy. and, yeah, that's come through to us there as well.","start_word":3366,"end_word":3384,"sentiment":"neutral","sentiment_score":0.24822629988193512},{"text":"So thank you for doing that, Lee. All good. Thank you for sending it through. Easy done, mate.","start_word":3385,"end_word":3402,"sentiment":"positive","sentiment_score":0.6188321709632874},{"text":"Team's gonna reach out to you probably in a fortnight just to book you in to go through that updated portfolio document with me, and Yep. I'll make sure you're you're sort of comfortable with what we're doing before we move things around. Yep.","start_word":3403,"end_word":3446,"sentiment":"neutral","sentiment_score":0.23999258875846863},{"text":"No problem at all. Awesome, dude. You have a fantastic week, and we'll talk to you in a couple of weeks. You too. Thank you so much. Thanks, mate. See you later. Cheers. Bye.","start_word":3447,"end_word":3480,"sentiment":"positive","sentiment_score":0.7109459638595581}],"average":{"sentiment":"neutral","sentiment_score":0.09607829579028015}}}}