{"metadata":{"transaction_key":"deprecated","request_id":"019e3e97-88fc-7b03-a6d7-9f80272299cc","sha256":"2df2d4a442f10d1d0deaedc99f15812f702a6d0144c7144b4c397e46dbd72260","created":"2026-05-19T04:56:22.585Z","duration":1300.752,"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":4682,"output_tokens":165},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5275,"output_tokens":5286},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5275,"output_tokens":588}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon, Fiona. It's Tommy here from OQ Financial. How are you going? I'm doing fantastic. I can't believe it's been almost a year already. Time's just flying by. Do you still have time to go through the annual review with me? Fantastic. So I'm gonna pop through an annual review pack through to your email from our new system. Just before I do that, do you remember for security purposes your client password? Yes. That's correct. Thank you so much for that. And are you okay for the call to be recorded? Fantastic. Alright. So I'm gonna pop this through to your Yahoo email address. Will you be able to look on to the documents with me today? Okay. So I'll pop that through. Just to let you know what's coming, we'll get a updated certificate of currency for your ClearView policy and updated performance report, financial services guide, and service agreement as well. So I'll shoot that through to you now. Now just that should come through your main box. Sometimes the first one from the new system goes through the spam folder, but just let me know if that comes through okay. Yep. That's the one. So when you go inside that email, I've attached all of the annual review documents at the bottom like PDFs. Perfect. Now just before I jump into it, I'm gonna update a few details just to see if there's been any major changes. Anything in particular you're hoping to get out of this review? Yep. That's it. General update and up and up. That's the way it is. Now I'm just gonna quickly check the goals that we put in place last time. We had you looking to buy some land, but you wanted to kind of wait until your son was 18 before doing that? Perfect. We were gonna update some estate planning, and I think you were gonna put in place, like, a will or a power of attorney, maybe talking to a solicitor. No. That's fine. That's your your yearly reminder to try and get that sorted. But I think we updated your beneficiary nominations as well to include I think yep. That's perfect. We've got a pretty pretty modest retirement goal at $65,800 a week with the mortgage paid off. How is the mortgage going? Have you paid that down a bit? Not too bad. And I'm assuming property values probably jumped up pretty well given what's happened to the markets recently. 1.2, you've got to be kidding me. That's sensational. Okay. I'll update that. That's fantastic. Outside of that for assets, we had the work car, the motorbike, and some savings. I think we had your cash savings. You had a buffer of about 25,000. Have you been managing to build that up? Yep. I was gonna ask you, how are you going with all the cost of living and interest rate changes? No. That's always fun. Yeah. Nice. Is it like a set amount that you do every time? Or five 100 thousand. That is fantastic. And I did notice the promotion too. I watched your contribution jump up from about $8.72 a month to over 1,100. So that's fantastic. Would you be on I think last income we had 91,000. Would you be on about 110 now? Or Fantastic. And like you said, there's always something to eat it up, but it's good to get the extra repayments going. Yep. Fuel as well. Oh, wow. Okay. Where did you get done? Cool. Amazing. Anything else to renovate on there now? Yeah. Cool. So just over the next, what, twelve to twenty four months? Cool. Do you have a bit of a costing for that? I know material has gone up quite a bit. Mhmm. Yep. I know I'm currently building a deck, so I know exactly what we're going through. We ended up doing a pavers at the back exactly what you were just saying. We ripped up all the pavers and put a patio out there, and that was these charcoal pavers. It was $20 all up. Absolutely. Anything else on the cards for you guys? Yep. No. That's fair enough. Build it up a bit. Spend a bit. Build it up. Spend a bit. But as long as you've got that cash buffer there, it should be nice places. Yep. Fantastic. Yeah. Runny day fund's good in this economy. That's for sure. And did you get a change in your oh, yep. Oh, sensational. Yeah. Amazing. And he wouldn't be 18 for another, what, seven years or so? Okay. Yeah. Well, look. If you ever wanna look at some we do a little bit of a child investing every now and then with people just to get things going a little bit quicker. Oh, that's perfect. Oh, amazing. That's going pretty good. Do you put aside, like, a set amount into their order type? And right. Amazing. I just wanna note that down on your file. That's so cool. Okay. Well, he'll be very grateful. I'm sure. Yes. Absolutely. I think we still had you as a single marital status. Is that right? Yep. And no other loans or anything that have popped up? Amazing. Just doing everything from savings and capital. Oh, yeah. Yep. Yep. No. That's cool. Solar and battery box. That'd be a good long term investment for you. Alright. So that's all looking pretty up to date. No changes in your I think we've still got your Millwood Street address wise. Yep. Phone and email are still the same. Yep. That's all looking perfect. Alright. Now do you still have that email open? No. You're totally fine. What I'm looking for, if you can, we've got two main documents to look at at the moment. You've got a Clearview certificate of currency. Could you open that one up for me? K. So that's your life insurance disability and income protection policy. Now what I wanted to quickly point out on this one was we've just had your anniversary in April. So I've already checked the premiums there. They've come out. It's 3,000 a year, but they've got the 15% rebate. So about 2,500 came out of the super a month ago. And we've still got the cover level set at just over half a mil, which basically combines with the super because the mortgage has gone down, say, $15. That's pretty much pay off the mortgage, add in your super together, and you're still left with about half 1,000,000 after the mortgage is paid off. I know your circumstance hasn't changed too much since then, but any thoughts on that in terms of if you were to pass away or could never work again? Yep. We still got it under smokers' rates. So I'm just wondering if you, by any chance, twelve months nicotine free? No. That's okay. Once we can get you as that sort of twelve month tick mark, they'll remove that and that'll chop it down in half. Alright? Income protection. I wanted to just quickly double check that one with you because, obviously, your income's gone up, but you're still covered based on your other income. So it's 4,900 a month, which after tax caught a thousand dollars a week for expenses. Yep. Right now. Yeah. Illness and injury. Okay. So you can go to a maximum of 6,400 a month based on your new income and 4,900 is what you've currently got. Do you want me to just do a bit of an alteration quote for you and see what it looks like? Yep. What would be reasonable for you, do you think? That 50 500 or something like that? Yep. Okay. Do a quote for 5,500. I'll do a quote for the maximum just so you can see what it looks like, but I'll have another one there for 5,500. And if that's enough for your needs, then we don't need to bump up the premiums too much. K. Outside of Clearview, I can do a bit of a hunt around to see if I can find a cheaper provider for you because if you cannot do an increase, they'll still do a couple of underwriting checks to see if you've had any health changes. Has anything happened in, say, the last two years between April 2020 four and now? K. Would you like me to see if I can find a provider that can offer it a little bit cheaper? Yeah. I'll I always do a bit of a alteration quote with the current provider, and then I just shoot out a bit of a research request for all the insurers, and I can see if there's a better one out there for you. Maybe in another insurer. Okay. So that's perfect. Now the next document to go through, this is the last one, is your HUD 24 performance. And just let me know when you've got that up. So front page, it should be a nice blue table there with all your different figures for your different investment. If you look at the right hand side, that is quite wildly different between all the options this year. You can see a couple of them with brackets around it, which means it's gone down and the ones without the brackets, the ones that have gone up. K? So what I wanted to kind of point out is the top one, been along Australian shares, that's dropped quite a bit, your Australian shares. The rest of them in the middle, your other Australian shares, your battery tech, that's like your electric vehicle has gone up 99%. Gold's up 32. American shares up 13 and a half. So pretty much everything's doing really well. Cybersecurity down a tiny bit, but that's you know, we kind of expect to wait for the AI thing to go through before that starts jumping up, but that one option is a little bit of a concern for me. On the flip side, if you go to page two, it's got one line on a table, and that's your total portfolio. Yep? So on the right, you're still up just over 10% after fee, which again is a bit above the the 9% average rating for for your growth risk profile. So what I want to check with you, Fiona, is last time I spoke to you, we were considering bumping up the growth assets, which is going from, like, a 80% shares in property to maybe a 90% or even putting extra in the super at some point. But it was kind of something that we were going to maybe wait until your cash flow was a little bit free event. And I'm also thinking because the way the market's going at the moment, it's been up and down quite a bit. I don't know if you wanna be taking on more risk right now. No. That's cool. So what I can do is when I get those alteration quotes for the insurances, I'm probably just gonna do a bit of an engine tune up for the portfolio. Like, overall, it's doing really good, but that one option, I definitely wanna replace that one. Yeah. Do you have a preference? And no wrong answer here. But we can pretty much pick between low fee investments or the higher fee to try and get a higher return. Which way do you kinda lean between the two? Yep. Well, it's currently in an active option at the moment, and that's one that I'm kind of gonna replace. And I've got a few options in mind that we've been researching the last couple of months just for the Australian shares. If you want, I can kind of if we wanna lower the risk a little bit, I can kind of put it in a passive option with a bit lower fees, a little bit more slow and steady. It'll still maintain the same 80% growth assets, but still primarily focusing on new growth, but it's not it's gonna slightly reduce your risk for the same risk level. Yep. K. Now given retirement, we've still got a little bit of time up our sleeves. What we're usually thinking is is growing it for at least the next maybe six or seven years and then slowly reducing the risk in those last four to five. K? Now just as a reminder from last year as well, when you're more than ten years off from retirement, we just do a ten year projection. But once you hit that ten year mark, we'll start to actually show you whether you're on track for it, how long the money is gonna last, and we can kind of get a bit more accurate then as well. Okay? So I can do a bit of a tune up for you. And then what I'll do is I'll put together some quotes and see if there's either a better insurer or just an increase with Clearview. And then I'll put that in a statement of advice document along with a couple of portfolio updates, and then I can walk you through both of those. Perfect. Any questions on that so far? Alrighty. So what I'm gonna do is I am about to be off in a couple of weeks on some paternity leave. I actually got a daughter coming in June. It is we've got two boys, and this is our girl on the way. She's on the June 11. So we finally got it. Yep. I can imagine. And the the boys are very excited to have a younger sister. They're already talking about all the things they're gonna teach you to do and climbing and footy and video games. Yeah. So what I'm gonna do, if it's okay with you, is I'll get my team to do all that research over the next couple of weeks, and then I'm pretty much gonna book you in for, like, the June just to run through the recommendation. Perfect. Alrighty. Outside of that, we've got your updated service agreement in there as well. So just as a reminder from last year, we've still got the fees haven't changed. It's the 1.65%. Put it up into the different monthly repayments. And when we get you to 600,000, that's when we cap it at a flat fee. Okay? Cool. There's also that updated financial services guide there as well just with the licensing details, updated privacy policy, all that kind of thing. Cool. Now, Fiona, if you're comfortable with the plan so far going forward, would you be able to go through that digital authorization link form? Yeah. Now it's a bit different. I don't know if you've actually used that new over time before. A bit different than DocuSign. So you know how I had those attachments at the bottom of the email? There's a little bit of a link there to say sign now, but it brings open the service agreement document like a DocuSign that lets you scroll through it. Yeah. That's right. Yep. And it will bring you into the system. Yep. So what it lets you do is you can scroll through the document top to bottom. And then when you're ready, you can click the little purple button, then it will pull you to the signature boxes and the date boxes. Yeah. If you would like, it's usually a bit better if you can obviously, like, draw your signature rather than just stamp it, but stamping is okay for our documents. If you actually click on the signature itself, it'll open a box for you. Yeah. No. That's a bit awkward. If you wanna stamp it, that's fine for us. Oh, alrighty. Yeah. And it'll pop up to ask you if you wanna save a assigned copy for your records as well. No. That's fair enough. I'm just gonna jump into my system as well. That's already come through here. Very green tick, so thank you very much for that. Now, Fiona, just to quickly double check with you before I let you go, are there any other questions for me before I send off this research request? K. One thing I wanted to ask you just before I let you go is in terms of contact frequency, we're obviously gonna catch up in June to go through the updates. Do you want me to set you up for just the annual review or some quarterly catch ups or six monthly? Yep. Yeah. You just call through and the team will book you in. No worries. Well, thank you very much for taking the time today. I will run off and go and do that. And then again, just around the end of financial year, just keep an eye out. We'll give you a call, text, and email just to get you booked in to go through that document with me. Amazing. Have a I will. I will. And I'll talk to you soon. Okay? Thank you, Fiona. 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afternoon, Fiona. It's Tommy here from OQ Financial. How are you going? I'm doing fantastic. I can't believe it's been almost a year already.\n\nTime's just flying by. Do you still have time to go through the annual review with me? Fantastic. So I'm gonna pop through an annual review pack through to your email from our new system. Just before I do that, do you remember for security purposes your client password?\n\nYes. That's correct. Thank you so much for that. And are you okay for the call to be recorded? Fantastic.\n\nAlright. So I'm gonna pop this through to your Yahoo email address. Will you be able to look on to the documents with me today? Okay. So I'll pop that through.\n\nJust to let you know what's coming, we'll get a updated certificate of currency for your ClearView policy and updated performance report, financial services guide, and service agreement as well. So I'll shoot that through to you now. Now just that should come through your main box. Sometimes the first one from the new system goes through the spam folder, but just let me know if that comes through okay. Yep.\n\nThat's the one. So when you go inside that email, I've attached all of the annual review documents at the bottom like PDFs. Perfect. Now just before I jump into it, I'm gonna update a few details just to see if there's been any major changes. Anything in particular you're hoping to get out of this review?\n\nYep. That's it. General update and up and up. That's the way it is. Now I'm just gonna quickly check the goals that we put in place last time.\n\nWe had you looking to buy some land, but you wanted to kind of wait until your son was 18 before doing that? Perfect. We were gonna update some estate planning, and I think you were gonna put in place, like, a will or a power of attorney, maybe talking to a solicitor. No. That's fine.\n\nThat's your your yearly reminder to try and get that sorted. But I think we updated your beneficiary nominations as well to include I think yep. That's perfect. We've got a pretty pretty modest retirement goal at $65,800 a week with the mortgage paid off. How is the mortgage going?\n\nHave you paid that down a bit? Not too bad. And I'm assuming property values probably jumped up pretty well given what's happened to the markets recently. 1.2, you've got to be kidding me. That's sensational.\n\nOkay. I'll update that. That's fantastic. Outside of that for assets, we had the work car, the motorbike, and some savings. I think we had your cash savings.\n\nYou had a buffer of about 25,000. Have you been managing to build that up? Yep. I was gonna ask you, how are you going with all the cost of living and interest rate changes? No.\n\nThat's always fun. Yeah. Nice. Is it like a set amount that you do every time? Or five 100 thousand.\n\nThat is fantastic. And I did notice the promotion too. I watched your contribution jump up from about $8.72 a month to over 1,100. So that's fantastic. Would you be on I think last income we had 91,000.\n\nWould you be on about 110 now? Or Fantastic. And like you said, there's always something to eat it up, but it's good to get the extra repayments going. Yep. Fuel as well.\n\nOh, wow. Okay. Where did you get done? Cool. Amazing.\n\nAnything else to renovate on there now? Yeah. Cool. So just over the next, what, twelve to twenty four months? Cool.\n\nDo you have a bit of a costing for that? I know material has gone up quite a bit. Mhmm. Yep. I know I'm currently building a deck, so I know exactly what we're going through.\n\nWe ended up doing a pavers at the back exactly what you were just saying. We ripped up all the pavers and put a patio out there, and that was these charcoal pavers. It was $20 all up. Absolutely. Anything else on the cards for you guys?\n\nYep. No. That's fair enough. Build it up a bit. Spend a bit.\n\nBuild it up. Spend a bit. But as long as you've got that cash buffer there, it should be nice places. Yep. Fantastic.\n\nYeah. Runny day fund's good in this economy. That's for sure. And did you get a change in your oh, yep. Oh, sensational.\n\nYeah. Amazing. And he wouldn't be 18 for another, what, seven years or so? Okay. Yeah.\n\nWell, look. If you ever wanna look at some we do a little bit of a child investing every now and then with people just to get things going a little bit quicker. Oh, that's perfect. Oh, amazing. That's going pretty good.\n\nDo you put aside, like, a set amount into their order type? And right. Amazing. I just wanna note that down on your file. That's so cool.\n\nOkay. Well, he'll be very grateful. I'm sure. Yes. Absolutely.\n\nI think we still had you as a single marital status. Is that right? Yep. And no other loans or anything that have popped up? Amazing.\n\nJust doing everything from savings and capital. Oh, yeah. Yep. Yep. No.\n\nThat's cool. Solar and battery box. That'd be a good long term investment for you. Alright. So that's all looking pretty up to date.\n\nNo changes in your I think we've still got your Millwood Street address wise. Yep. Phone and email are still the same. Yep. That's all looking perfect.\n\nAlright. Now do you still have that email open? No. You're totally fine. What I'm looking for, if you can, we've got two main documents to look at at the moment.\n\nYou've got a Clearview certificate of currency. Could you open that one up for me? K. So that's your life insurance disability and income protection policy. Now what I wanted to quickly point out on this one was we've just had your anniversary in April.\n\nSo I've already checked the premiums there. They've come out. It's 3,000 a year, but they've got the 15% rebate. So about 2,500 came out of the super a month ago. And we've still got the cover level set at just over half a mil, which basically combines with the super because the mortgage has gone down, say, $15.\n\nThat's pretty much pay off the mortgage, add in your super together, and you're still left with about half 1,000,000 after the mortgage is paid off. I know your circumstance hasn't changed too much since then, but any thoughts on that in terms of if you were to pass away or could never work again? Yep. We still got it under smokers' rates. So I'm just wondering if you, by any chance, twelve months nicotine free?\n\nNo. That's okay. Once we can get you as that sort of twelve month tick mark, they'll remove that and that'll chop it down in half. Alright? Income protection.\n\nI wanted to just quickly double check that one with you because, obviously, your income's gone up, but you're still covered based on your other income. So it's 4,900 a month, which after tax caught a thousand dollars a week for expenses. Yep. Right now. Yeah.\n\nIllness and injury. Okay. So you can go to a maximum of 6,400 a month based on your new income and 4,900 is what you've currently got. Do you want me to just do a bit of an alteration quote for you and see what it looks like? Yep.\n\nWhat would be reasonable for you, do you think? That 50 500 or something like that? Yep. Okay. Do a quote for 5,500.\n\nI'll do a quote for the maximum just so you can see what it looks like, but I'll have another one there for 5,500. And if that's enough for your needs, then we don't need to bump up the premiums too much. K. Outside of Clearview, I can do a bit of a hunt around to see if I can find a cheaper provider for you because if you cannot do an increase, they'll still do a couple of underwriting checks to see if you've had any health changes. Has anything happened in, say, the last two years between April 2020 four and now?\n\nK. Would you like me to see if I can find a provider that can offer it a little bit cheaper? Yeah. I'll I always do a bit of a alteration quote with the current provider, and then I just shoot out a bit of a research request for all the insurers, and I can see if there's a better one out there for you. Maybe in another insurer.\n\nOkay. So that's perfect. Now the next document to go through, this is the last one, is your HUD 24 performance. And just let me know when you've got that up. So front page, it should be a nice blue table there with all your different figures for your different investment.\n\nIf you look at the right hand side, that is quite wildly different between all the options this year. You can see a couple of them with brackets around it, which means it's gone down and the ones without the brackets, the ones that have gone up. K? So what I wanted to kind of point out is the top one, been along Australian shares, that's dropped quite a bit, your Australian shares. The rest of them in the middle, your other Australian shares, your battery tech, that's like your electric vehicle has gone up 99%.\n\nGold's up 32. American shares up 13 and a half. So pretty much everything's doing really well. Cybersecurity down a tiny bit, but that's you know, we kind of expect to wait for the AI thing to go through before that starts jumping up, but that one option is a little bit of a concern for me. On the flip side, if you go to page two, it's got one line on a table, and that's your total portfolio.\n\nYep? So on the right, you're still up just over 10% after fee, which again is a bit above the the 9% average rating for for your growth risk profile. So what I want to check with you, Fiona, is last time I spoke to you, we were considering bumping up the growth assets, which is going from, like, a 80% shares in property to maybe a 90% or even putting extra in the super at some point. But it was kind of something that we were going to maybe wait until your cash flow was a little bit free event. And I'm also thinking because the way the market's going at the moment, it's been up and down quite a bit.\n\nI don't know if you wanna be taking on more risk right now. No. That's cool. So what I can do is when I get those alteration quotes for the insurances, I'm probably just gonna do a bit of an engine tune up for the portfolio. Like, overall, it's doing really good, but that one option, I definitely wanna replace that one.\n\nYeah. Do you have a preference? And no wrong answer here. But we can pretty much pick between low fee investments or the higher fee to try and get a higher return. Which way do you kinda lean between the two?\n\nYep. Well, it's currently in an active option at the moment, and that's one that I'm kind of gonna replace. And I've got a few options in mind that we've been researching the last couple of months just for the Australian shares. If you want, I can kind of if we wanna lower the risk a little bit, I can kind of put it in a passive option with a bit lower fees, a little bit more slow and steady. It'll still maintain the same 80% growth assets, but still primarily focusing on new growth, but it's not it's gonna slightly reduce your risk for the same risk level.\n\nYep. K. Now given retirement, we've still got a little bit of time up our sleeves. What we're usually thinking is is growing it for at least the next maybe six or seven years and then slowly reducing the risk in those last four to five. K?\n\nNow just as a reminder from last year as well, when you're more than ten years off from retirement, we just do a ten year projection. But once you hit that ten year mark, we'll start to actually show you whether you're on track for it, how long the money is gonna last, and we can kind of get a bit more accurate then as well. Okay? So I can do a bit of a tune up for you. And then what I'll do is I'll put together some quotes and see if there's either a better insurer or just an increase with Clearview.\n\nAnd then I'll put that in a statement of advice document along with a couple of portfolio updates, and then I can walk you through both of those. Perfect. Any questions on that so far? Alrighty. So what I'm gonna do is I am about to be off in a couple of weeks on some paternity leave.\n\nI actually got a daughter coming in June. It is we've got two boys, and this is our girl on the way. She's on the June 11. So we finally got it. Yep.\n\nI can imagine. And the the boys are very excited to have a younger sister. They're already talking about all the things they're gonna teach you to do and climbing and footy and video games. Yeah. So what I'm gonna do, if it's okay with you, is I'll get my team to do all that research over the next couple of weeks, and then I'm pretty much gonna book you in for, like, the June just to run through the recommendation.\n\nPerfect. Alrighty. Outside of that, we've got your updated service agreement in there as well. So just as a reminder from last year, we've still got the fees haven't changed. It's the 1.65%.\n\nPut it up into the different monthly repayments. And when we get you to 600,000, that's when we cap it at a flat fee. Okay? Cool. There's also that updated financial services guide there as well just with the licensing details, updated privacy policy, all that kind of thing.\n\nCool. Now, Fiona, if you're comfortable with the plan so far going forward, would you be able to go through that digital authorization link form? Yeah. Now it's a bit different. I don't know if you've actually used that new over time before.\n\nA bit different than DocuSign. So you know how I had those attachments at the bottom of the email? There's a little bit of a link there to say sign now, but it brings open the service agreement document like a DocuSign that lets you scroll through it. Yeah. That's right.\n\nYep. And it will bring you into the system. Yep. So what it lets you do is you can scroll through the document top to bottom. And then when you're ready, you can click the little purple button, then it will pull you to the signature boxes and the date boxes.\n\nYeah. If you would like, it's usually a bit better if you can obviously, like, draw your signature rather than just stamp it, but stamping is okay for our documents. If you actually click on the signature itself, it'll open a box for you. Yeah. No.\n\nThat's a bit awkward. If you wanna stamp it, that's fine for us. Oh, alrighty. Yeah. And it'll pop up to ask you if you wanna save a assigned copy for your records as well.\n\nNo. That's fair enough. I'm just gonna jump into my system as well. That's already come through here. Very green tick, so thank you very much for that.\n\nNow, Fiona, just to quickly double check with you before I let you go, are there any other questions for me before I send off this research request? K. One thing I wanted to ask you just before I let you go is in terms of contact frequency, we're obviously gonna catch up in June to go through the updates. Do you want me to set you up for just the annual review or some quarterly catch ups or six monthly? Yep.\n\nYeah. You just call through and the team will book you in. No worries. Well, thank you very much for taking the time today. I will run off and go and do that.\n\nAnd then again, just around the end of financial year, just keep an eye out. We'll give you a call, text, and email just to get you booked in to go through that document with me. Amazing. Have a I will. I will.\n\nAnd I'll talk to you soon. Okay? Thank you, Fiona. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Fiona.","start":2.48,"end":3.6,"sentiment":"positive","sentiment_score":0.372204452753067},{"text":"It's Tommy here from OQ Financial.","start":3.6,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.25037595132986706},{"text":"How are you going?","start":5.3599997,"end":6.1,"sentiment":"neutral","sentiment_score":0.25988346338272095},{"text":"I'm doing fantastic.","start":8.0,"end":9.139999,"sentiment":"positive","sentiment_score":0.7130928238232931},{"text":"I can't believe it's been almost a year already.","start":9.28,"end":11.38,"sentiment":"neutral","sentiment_score":0.0405405532154772}],"sentiment":"neutral","sentiment_score":0.24650185480713843,"num_words":25,"start":2.48,"end":11.38},{"sentences":[{"text":"Time's just flying by.","start":13.695001,"end":14.735001,"sentiment":"neutral","sentiment_score":-0.044320919550955296},{"text":"Do you still have time to go through the annual review with me?","start":14.735001,"end":17.795,"sentiment":"neutral","sentiment_score":0.015385094170386974},{"text":"Fantastic.","start":19.535,"end":20.035,"sentiment":"positive","sentiment_score":0.3985048532485962},{"text":"So I'm gonna pop through an annual review pack through to your email from our new system.","start":20.095001,"end":23.955,"sentiment":"neutral","sentiment_score":0.21453668440089507},{"text":"Just before I do that, do you remember for security purposes your client password?","start":24.19,"end":29.33,"sentiment":"neutral","sentiment_score":0.014980146195739508}],"sentiment":"neutral","sentiment_score":0.08730761389419132,"num_words":49,"start":13.695001,"end":29.33},{"sentences":[{"text":"Yes.","start":32.75,"end":33.07,"sentiment":"neutral","sentiment_score":0.039619047194719315},{"text":"That's correct.","start":33.07,"end":33.71,"sentiment":"neutral","sentiment_score":0.12555362284183502},{"text":"Thank you so much for that.","start":33.71,"end":35.17,"sentiment":"positive","sentiment_score":0.5559206902980804},{"text":"And are you okay for the call to be recorded?","start":35.47,"end":37.89,"sentiment":"neutral","sentiment_score":0.08062835559248924},{"text":"Fantastic.","start":40.045002,"end":40.545002,"sentiment":"neutral","sentiment_score":0.31538087129592896}],"sentiment":"neutral","sentiment_score":0.23739574309438466,"num_words":20,"start":32.75,"end":40.545002},{"sentences":[{"text":"Alright.","start":41.005,"end":41.325,"sentiment":"neutral","sentiment_score":0.17564526200294495},{"text":"So I'm gonna pop this through to your Yahoo email address.","start":41.325,"end":43.965,"sentiment":"neutral","sentiment_score":0.14671364697543057},{"text":"Will you be able to look on to the documents with me today?","start":43.965,"end":46.945,"sentiment":"neutral","sentiment_score":0.13850604456204635},{"text":"Okay.","start":48.765,"end":49.085003,"sentiment":"neutral","sentiment_score":0.09059499949216844},{"text":"So I'll pop that through.","start":49.085003,"end":50.305,"sentiment":"neutral","sentiment_score":0.12968286275863647}],"sentiment":"neutral","sentiment_score":0.13964784746208497,"num_words":31,"start":41.005,"end":50.305},{"sentences":[{"text":"Just to let you know what's coming, we'll get a updated certificate of currency for your ClearView policy and updated performance report, financial services guide, and service agreement as well.","start":50.760002,"end":63.239998,"sentiment":"neutral","sentiment_score":0.15640702148278554},{"text":"So I'll shoot that through to you now.","start":63.239998,"end":65.26,"sentiment":"neutral","sentiment_score":0.13602010812610388},{"text":"Now just that should come through your main box.","start":68.524994,"end":70.924995,"sentiment":"neutral","sentiment_score":0.033765225360790886},{"text":"Sometimes the first one from the new system goes through the spam folder, but just let me know if that comes through okay.","start":70.924995,"end":77.185,"sentiment":"neutral","sentiment_score":-0.006843143588174944},{"text":"Yep.","start":81.42,"end":81.659996,"sentiment":"neutral","sentiment_score":0.0521746426820755}],"sentiment":"neutral","sentiment_score":0.08421184335061362,"num_words":71,"start":50.760002,"end":81.659996},{"sentences":[{"text":"That's the one.","start":81.659996,"end":82.53999,"sentiment":"neutral","sentiment_score":0.055908285081386566},{"text":"So when you go inside that email, I've attached all of the annual review documents at the bottom like PDFs.","start":82.53999,"end":88.56,"sentiment":"neutral","sentiment_score":0.04675687681883574},{"text":"Perfect.","start":90.475006,"end":90.955,"sentiment":"neutral","sentiment_score":0.2701503336429596},{"text":"Now just before I jump into it, I'm gonna update a few details just to see if there's been any major changes.","start":90.955,"end":96.175,"sentiment":"neutral","sentiment_score":0.06300319519571283},{"text":"Anything in particular you're hoping to get out of this review?","start":96.795006,"end":99.855,"sentiment":"neutral","sentiment_score":0.008023617111823776}],"sentiment":"neutral","sentiment_score":0.04995338259297505,"num_words":57,"start":81.659996,"end":99.855},{"sentences":[{"text":"Yep.","start":105.29,"end":105.53,"sentiment":"neutral","sentiment_score":0.0125822015106678},{"text":"That's it.","start":105.53,"end":106.01,"sentiment":"neutral","sentiment_score":0.048390576615929604},{"text":"General update and up and up.","start":106.01,"end":107.450005,"sentiment":"neutral","sentiment_score":0.1291821151971817},{"text":"That's the way it is.","start":107.450005,"end":110.01,"sentiment":"neutral","sentiment_score":0.12085178047418595},{"text":"Now I'm just gonna quickly check the goals that we put in place last time.","start":110.01,"end":114.19,"sentiment":"neutral","sentiment_score":0.11664030790949861}],"sentiment":"neutral","sentiment_score":0.1116661919634147,"num_words":29,"start":105.29,"end":114.19},{"sentences":[{"text":"We had you looking to buy some land, but you wanted to kind of wait until your son was 18 before doing that?","start":114.575,"end":122.755,"sentiment":"neutral","sentiment_score":0.0073423620880297994},{"text":"Perfect.","start":124.895,"end":125.395,"sentiment":"positive","sentiment_score":0.6016400456428528},{"text":"We were gonna update some estate planning, and I think you were gonna put in place, like, a will or a power of attorney, maybe talking to a solicitor.","start":125.935,"end":133.33,"sentiment":"neutral","sentiment_score":0.17008395441647234},{"text":"No.","start":134.43,"end":134.75,"sentiment":"neutral","sentiment_score":0.03181856870651245},{"text":"That's fine.","start":134.75,"end":135.31,"sentiment":"neutral","sentiment_score":0.12499113753437996}],"sentiment":"neutral","sentiment_score":0.1068705338485805,"num_words":56,"start":114.575,"end":135.31},{"sentences":[{"text":"That's your your yearly reminder to try and get that sorted.","start":135.31,"end":139.09,"sentiment":"neutral","sentiment_score":0.1848343935879794},{"text":"But I think we updated your beneficiary nominations as well to include I think yep.","start":139.95,"end":148.075,"sentiment":"neutral","sentiment_score":0.1262017826239268},{"text":"That's perfect.","start":148.075,"end":148.895,"sentiment":"positive","sentiment_score":0.7388108968734741},{"text":"We've got a pretty pretty modest retirement goal at $65,800 a week with the mortgage paid off.","start":149.995,"end":157.355,"sentiment":"positive","sentiment_score":0.36269764251568737},{"text":"How is the mortgage going?","start":157.355,"end":158.715,"sentiment":"neutral","sentiment_score":0.06518747583031655}],"sentiment":"neutral","sentiment_score":0.23791248328983783,"num_words":50,"start":135.31,"end":158.715},{"sentences":[{"text":"Have you paid that down a bit?","start":158.715,"end":160.82,"sentiment":"neutral","sentiment_score":0.023499719000288417},{"text":"Not too bad.","start":163.92,"end":164.88,"sentiment":"neutral","sentiment_score":0.08730227003494899},{"text":"And I'm assuming property values probably jumped up pretty well given what's happened to the markets recently.","start":164.88,"end":170.1,"sentiment":"neutral","sentiment_score":0.07465449528878226},{"text":"1.2, you've got to be kidding me.","start":171.935,"end":174.355,"sentiment":"neutral","sentiment_score":-0.06118555393602167},{"text":"That's sensational.","start":176.255,"end":177.155,"sentiment":"neutral","sentiment_score":-0.1276058778166771}],"sentiment":"neutral","sentiment_score":0.028111684161962733,"num_words":36,"start":158.715,"end":177.155},{"sentences":[{"text":"Okay.","start":178.815,"end":179.215,"sentiment":"neutral","sentiment_score":0.05888519436120987},{"text":"I'll update that.","start":179.215,"end":180.355,"sentiment":"neutral","sentiment_score":0.05221058366199335},{"text":"That's fantastic.","start":183.72,"end":184.7,"sentiment":"negative","sentiment_score":-0.3368154764175415},{"text":"Outside of that for assets, we had the work car, the motorbike, and some savings.","start":188.28,"end":193.9,"sentiment":"neutral","sentiment_score":0.0012996453791856767},{"text":"I think we had your cash savings.","start":196.375,"end":197.975,"sentiment":"neutral","sentiment_score":0.07039183484656471}],"sentiment":"neutral","sentiment_score":0.001932982754494462,"num_words":28,"start":178.815,"end":197.975},{"sentences":[{"text":"You had a buffer of about 25,000.","start":197.975,"end":200.135,"sentiment":"neutral","sentiment_score":0.06421284696885518},{"text":"Have you been managing to build that up?","start":200.135,"end":201.995,"sentiment":"neutral","sentiment_score":0.025237853871658444},{"text":"Yep.","start":202.935,"end":203.435,"sentiment":"neutral","sentiment_score":0.01414363645017147},{"text":"I was gonna ask you, how are you going with all the cost of living and interest rate changes?","start":205.015,"end":208.715,"sentiment":"neutral","sentiment_score":0.028809072351769396},{"text":"No.","start":213.59,"end":214.06999,"sentiment":"neutral","sentiment_score":-0.02527819201350212}],"sentiment":"neutral","sentiment_score":0.03298973830209838,"num_words":36,"start":197.975,"end":214.06999},{"sentences":[{"text":"That's always fun.","start":214.06999,"end":215.29,"sentiment":"neutral","sentiment_score":0.16495201488335928},{"text":"Yeah.","start":222.72499,"end":222.965,"sentiment":"neutral","sentiment_score":0.1701752245426178},{"text":"Nice.","start":222.965,"end":223.36499,"sentiment":"neutral","sentiment_score":0.05991945415735245},{"text":"Is it like a set amount that you do every time?","start":223.36499,"end":225.625,"sentiment":"neutral","sentiment_score":0.010186971757899631},{"text":"Or five 100 thousand.","start":226.72499,"end":229.94499,"sentiment":"neutral","sentiment_score":0.023374939570203424}],"sentiment":"neutral","sentiment_score":0.046525358548387886,"num_words":20,"start":214.06999,"end":229.94499},{"sentences":[{"text":"That is fantastic.","start":231.205,"end":232.50499,"sentiment":"positive","sentiment_score":0.811252772808075},{"text":"And I did notice the promotion too.","start":232.72499,"end":234.325,"sentiment":"positive","sentiment_score":0.4317962271826608},{"text":"I watched your contribution jump up from about $8.72 a month to over 1,100.","start":234.325,"end":240.08,"sentiment":"neutral","sentiment_score":0.25117733968155725},{"text":"So that's fantastic.","start":240.54001,"end":242.0,"sentiment":"positive","sentiment_score":0.6046474774678549},{"text":"Would you be on I think last income we had 91,000.","start":242.22,"end":246.24,"sentiment":"neutral","sentiment_score":0.09343462268059904}],"sentiment":"neutral","sentiment_score":0.31090889331933697,"num_words":38,"start":231.205,"end":246.24},{"sentences":[{"text":"Would you be on about 110 now?","start":246.3,"end":248.3,"sentiment":"neutral","sentiment_score":0.037892857300383706},{"text":"Or Fantastic.","start":248.3,"end":251.535,"sentiment":"neutral","sentiment_score":0.2798100672662258},{"text":"And like you said, there's always something to eat it up, but it's good to get the extra repayments going.","start":252.635,"end":258.095,"sentiment":"neutral","sentiment_score":0.2835969962179661},{"text":"Yep.","start":259.675,"end":260.175,"sentiment":"neutral","sentiment_score":0.03650125488638878},{"text":"Fuel as 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now?","start":282.285,"end":284.305,"sentiment":"neutral","sentiment_score":0.0653885081410408},{"text":"Yeah.","start":296.50998,"end":296.90997,"sentiment":"neutral","sentiment_score":0.030666984617710114},{"text":"Cool.","start":296.90997,"end":297.15,"sentiment":"neutral","sentiment_score":0.045581892132759094},{"text":"So just over the next, what, twelve to twenty four months?","start":297.15,"end":299.81,"sentiment":"neutral","sentiment_score":0.02320797521282326},{"text":"Cool.","start":302.27,"end":302.59,"sentiment":"neutral","sentiment_score":0.05408523604273796}],"sentiment":"neutral","sentiment_score":0.040159114148645175,"num_words":21,"start":282.285,"end":302.59},{"sentences":[{"text":"Do you have a bit of a costing for that?","start":302.59,"end":304.18997,"sentiment":"neutral","sentiment_score":0.009068003017455339},{"text":"I know material has gone up quite a 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type?","start":427.67502,"end":430.575,"sentiment":"neutral","sentiment_score":0.05621483394255241},{"text":"And right.","start":430.62,"end":438.38,"sentiment":"neutral","sentiment_score":0.11198386922478677},{"text":"Amazing.","start":438.38,"end":438.78,"sentiment":"positive","sentiment_score":0.4159720540046692},{"text":"I just wanna note that down on your file.","start":438.78,"end":440.62,"sentiment":"neutral","sentiment_score":0.22217904362413618},{"text":"That's so cool.","start":440.62,"end":441.5,"sentiment":"positive","sentiment_score":0.7817304531733195}],"sentiment":"neutral","sentiment_score":0.20960446488526133,"num_words":27,"start":427.67502,"end":441.5},{"sentences":[{"text":"Okay.","start":441.5,"end":441.9,"sentiment":"positive","sentiment_score":0.6297110915184021},{"text":"Well, he'll be very grateful.","start":441.9,"end":443.28,"sentiment":"positive","sentiment_score":0.742505955696106},{"text":"I'm sure.","start":443.875,"end":444.45502,"sentiment":"positive","sentiment_score":0.4351530522108078},{"text":"Yes.","start":445.95502,"end":446.45502,"sentiment":"neutral","sentiment_score":0.16690364480018616},{"text":"Absolutely.","start":446.995,"end":447.495,"sentiment":"neutral","sentiment_score":0.2642567455768585}],"sentiment":"positive","sentiment_score":0.5643707364797592,"num_words":10,"start":441.5,"end":447.495},{"sentences":[{"text":"I think we still had you as a single marital status.","start":448.595,"end":451.95502,"sentiment":"neutral","sentiment_score":0.09181834080002525},{"text":"Is that right?","start":451.95502,"end":452.775,"sentiment":"neutral","sentiment_score":0.07707557827234268},{"text":"Yep.","start":453.875,"end":454.375,"sentiment":"neutral","sentiment_score":0.04150780662894249},{"text":"And no other loans or anything that have popped up?","start":454.515,"end":457.975,"sentiment":"neutral","sentiment_score":0.002572350949048996},{"text":"Amazing.","start":459.77002,"end":460.17,"sentiment":"neutral","sentiment_score":0.3081483244895935}],"sentiment":"neutral","sentiment_score":0.0621772355471666,"num_words":26,"start":448.595,"end":460.17},{"sentences":[{"text":"Just doing everything from savings and capital.","start":460.17,"end":462.43002,"sentiment":"neutral","sentiment_score":0.16909912654331752},{"text":"Oh, yeah.","start":466.89,"end":467.53,"sentiment":"neutral","sentiment_score":0.0395478755235672},{"text":"Yep.","start":467.53,"end":468.03,"sentiment":"neutral","sentiment_score":0.029147475957870483},{"text":"Yep.","start":474.05502,"end":474.55502,"sentiment":"neutral","sentiment_score":0.04688899964094162},{"text":"No.","start":474.855,"end":475.015,"sentiment":"neutral","sentiment_score":0.09705272316932678}],"sentiment":"neutral","sentiment_score":0.11965656963487466,"num_words":12,"start":460.17,"end":475.015},{"sentences":[{"text":"That's cool.","start":475.015,"end":475.915,"sentiment":"neutral","sentiment_score":0.3021309822797775},{"text":"Solar and battery box.","start":481.095,"end":482.695,"sentiment":"neutral","sentiment_score":0.20275908708572388},{"text":"That'd be a good long term investment for you.","start":482.695,"end":485.035,"sentiment":"neutral","sentiment_score":0.23592596583896214},{"text":"Alright.","start":487.53998,"end":487.94,"sentiment":"neutral","sentiment_score":0.12650153040885925},{"text":"So that's all looking pretty up to date.","start":487.94,"end":489.46,"sentiment":"neutral","sentiment_score":0.16393435932695866}],"sentiment":"neutral","sentiment_score":0.2073586837699016,"num_words":24,"start":475.015,"end":489.46},{"sentences":[{"text":"No changes in your I think we've still got your Millwood Street address wise.","start":489.46,"end":493.96,"sentiment":"neutral","sentiment_score":0.017922431363591125},{"text":"Yep.","start":494.5,"end":495.0,"sentiment":"neutral","sentiment_score":0.06602361053228378},{"text":"Phone and email are still the same.","start":495.46,"end":497.06,"sentiment":"neutral","sentiment_score":0.05377166558589254},{"text":"Yep.","start":497.06,"end":497.3,"sentiment":"neutral","sentiment_score":0.16189679503440857},{"text":"That's all looking perfect.","start":497.3,"end":498.59998,"sentiment":"positive","sentiment_score":0.3609978258609772}],"sentiment":"neutral","sentiment_score":0.08515657063711572,"num_words":27,"start":489.46,"end":498.59998},{"sentences":[{"text":"Alright.","start":499.715,"end":500.215,"sentiment":"neutral","sentiment_score":0.07955650985240936},{"text":"Now do you still have that email open?","start":500.83502,"end":503.015,"sentiment":"neutral","sentiment_score":0.02283964306116104},{"text":"No.","start":506.755,"end":507.075,"sentiment":"neutral","sentiment_score":-0.048067137598991394},{"text":"You're totally fine.","start":507.075,"end":508.135,"sentiment":"neutral","sentiment_score":0.007910032601406177},{"text":"What I'm looking for, if you can, we've got two main documents to look at at the moment.","start":540.4,"end":547.76,"sentiment":"neutral","sentiment_score":0.028526358720329072}],"sentiment":"neutral","sentiment_score":0.024239066822995103,"num_words":31,"start":499.715,"end":547.76},{"sentences":[{"text":"You've got a Clearview certificate of currency.","start":547.76,"end":551.235,"sentiment":"neutral","sentiment_score":0.042011345603636334},{"text":"Could you open that one up for me?","start":551.235,"end":553.015,"sentiment":"neutral","sentiment_score":0.032943128142505884},{"text":"K.","start":555.715,"end":556.03503,"sentiment":"neutral","sentiment_score":0.013428106904029846},{"text":"So that's your life insurance disability and income protection policy.","start":556.03503,"end":560.695,"sentiment":"neutral","sentiment_score":0.03451690636575222},{"text":"Now what I wanted to quickly point out on this one was we've just had your anniversary in April.","start":562.29004,"end":567.11005,"sentiment":"neutral","sentiment_score":0.05564658735927783}],"sentiment":"neutral","sentiment_score":0.043855706105629604,"num_words":45,"start":547.76,"end":567.11005},{"sentences":[{"text":"So I've already checked the premiums there.","start":567.17004,"end":569.01,"sentiment":"neutral","sentiment_score":0.05973544344305992},{"text":"They've come out.","start":569.01,"end":570.07,"sentiment":"neutral","sentiment_score":0.05790529400110245},{"text":"It's 3,000 a year, but they've got the 15% rebate.","start":570.53,"end":574.13,"sentiment":"neutral","sentiment_score":0.06662281900644303},{"text":"So about 2,500 came out of the super a month ago.","start":574.13,"end":577.065,"sentiment":"neutral","sentiment_score":0.05758286606181751},{"text":"And we've still got the cover level set at just over half a mil, which basically combines with the super because the mortgage has gone down, say, $15.","start":577.545,"end":589.165,"sentiment":"neutral","sentiment_score":0.06027857693178313}],"sentiment":"neutral","sentiment_score":0.060666167066764025,"num_words":59,"start":567.17004,"end":589.165},{"sentences":[{"text":"That's pretty much pay off the mortgage, add in your super together, and you're still left with about half 1,000,000 after the mortgage is paid off.","start":589.58997,"end":597.29,"sentiment":"neutral","sentiment_score":-0.12054301690883361},{"text":"I know your circumstance hasn't changed too much since then, but any thoughts on that in terms of if you were to pass away or could never work again?","start":597.50995,"end":605.825,"sentiment":"neutral","sentiment_score":-0.2906874777941868},{"text":"Yep.","start":608.685,"end":609.16504,"sentiment":"neutral","sentiment_score":0.20361265540122983},{"text":"We still got it under smokers' rates.","start":609.16504,"end":610.92505,"sentiment":"neutral","sentiment_score":0.057628874267850606},{"text":"So I'm just wondering if you, by any chance, twelve months nicotine free?","start":610.92505,"end":614.705,"sentiment":"neutral","sentiment_score":0.04666409125694862}],"sentiment":"neutral","sentiment_score":-0.13618957018479705,"num_words":76,"start":589.58997,"end":614.705},{"sentences":[{"text":"No.","start":618.75,"end":618.91,"sentiment":"neutral","sentiment_score":-0.1766439527273178},{"text":"That's okay.","start":618.91,"end":619.55,"sentiment":"neutral","sentiment_score":-0.04326899163424969},{"text":"Once we can get you as that sort of twelve month tick mark, they'll remove that and that'll chop it down in half.","start":619.55,"end":625.88995,"sentiment":"neutral","sentiment_score":-0.02793939444033996},{"text":"Alright?","start":627.96497,"end":628.46497,"sentiment":"neutral","sentiment_score":0.06344324350357056},{"text":"Income protection.","start":629.245,"end":630.045,"sentiment":"neutral","sentiment_score":0.03815309889614582}],"sentiment":"neutral","sentiment_score":-0.026415122994061173,"num_words":29,"start":618.75,"end":630.045},{"sentences":[{"text":"I wanted to just quickly double check that one with you because, obviously, your income's gone up, but you're still covered based on your other income.","start":630.045,"end":637.64496,"sentiment":"neutral","sentiment_score":0.043244125393147655},{"text":"So it's 4,900 a month, which after tax caught a thousand dollars a week for expenses.","start":637.64496,"end":644.26,"sentiment":"neutral","sentiment_score":-0.02672366864135256},{"text":"Yep.","start":651.76,"end":652.26,"sentiment":"neutral","sentiment_score":-0.0627007782459259},{"text":"Right now.","start":652.56,"end":653.3,"sentiment":"neutral","sentiment_score":-0.1574951484799385},{"text":"Yeah.","start":661.365,"end":661.685,"sentiment":"neutral","sentiment_score":-0.11541293561458588}],"sentiment":"neutral","sentiment_score":0.004427490242169765,"num_words":46,"start":630.045,"end":661.685},{"sentences":[{"text":"Illness and injury.","start":661.685,"end":662.82495,"sentiment":"neutral","sentiment_score":-0.1535800670584043},{"text":"Okay.","start":668.49,"end":668.89,"sentiment":"neutral","sentiment_score":-0.008635396137833595},{"text":"So you can go to a maximum of 6,400 a month based on your new income and 4,900 is what you've currently got.","start":668.89,"end":678.51,"sentiment":"neutral","sentiment_score":0.021608272972314255},{"text":"Do you want me to just do a bit of an alteration quote for you and see what it looks like?","start":678.65,"end":683.745,"sentiment":"neutral","sentiment_score":0.012573191807383583},{"text":"Yep.","start":685.505,"end":685.985,"sentiment":"neutral","sentiment_score":0.07956469058990479}],"sentiment":"neutral","sentiment_score":0.007575844889696763,"num_words":49,"start":661.685,"end":685.985},{"sentences":[{"text":"What would be reasonable for you, do you think?","start":685.985,"end":688.085,"sentiment":"neutral","sentiment_score":0.06237869419985347},{"text":"That 50 500 or something like that?","start":688.385,"end":690.565,"sentiment":"neutral","sentiment_score":0.00565971274461065},{"text":"Yep.","start":692.705,"end":693.105,"sentiment":"neutral","sentiment_score":0.09923552721738815},{"text":"Okay.","start":693.105,"end":693.605,"sentiment":"neutral","sentiment_score":0.09086853265762328},{"text":"Do a quote for 5,500.","start":693.90497,"end":695.665,"sentiment":"neutral","sentiment_score":0.09021095037460328}],"sentiment":"neutral","sentiment_score":0.05400804559821668,"num_words":23,"start":685.985,"end":695.665},{"sentences":[{"text":"I'll do a quote for the maximum just so you can see what it looks like, but I'll have another one there for 5,500.","start":695.665,"end":701.82,"sentiment":"neutral","sentiment_score":0.1142093197753032},{"text":"And if that's enough for your needs, then we don't need to bump up the premiums too much.","start":701.82,"end":706.16,"sentiment":"neutral","sentiment_score":0.08859748082856338},{"text":"K.","start":709.26,"end":709.76,"sentiment":"neutral","sentiment_score":0.019138306379318237},{"text":"Outside of Clearview, I can do a bit of a hunt around to see if I can find a cheaper provider for you because if you cannot do an increase, they'll still do a couple of underwriting checks to see if you've had any health changes.","start":710.94,"end":724.19495,"sentiment":"neutral","sentiment_score":-0.02784541769601081},{"text":"Has anything happened in, say, the last two years between April 2020 four and now?","start":726.47,"end":734.08997,"sentiment":"neutral","sentiment_score":-0.048347075035174686}],"sentiment":"neutral","sentiment_score":0.022584820157275177,"num_words":104,"start":695.665,"end":734.08997},{"sentences":[{"text":"K.","start":737.02997,"end":737.19,"sentiment":"neutral","sentiment_score":-0.008380032144486904},{"text":"Would you like me to see if I can find a provider that can offer it a little bit cheaper?","start":737.19,"end":741.96497,"sentiment":"neutral","sentiment_score":0.02955878507345915},{"text":"Yeah.","start":743.945,"end":744.185,"sentiment":"neutral","sentiment_score":0.12698009610176086},{"text":"I'll I always do a bit of a alteration quote with the current provider, and then I just shoot out a bit of a research request for all the insurers, and I can see if there's a better one out there for you.","start":744.185,"end":753.645,"sentiment":"neutral","sentiment_score":0.137665031087953},{"text":"Maybe in another insurer.","start":755.04004,"end":756.58,"sentiment":"neutral","sentiment_score":-0.033922103233635426}],"sentiment":"neutral","sentiment_score":0.09411135781556368,"num_words":69,"start":737.02997,"end":756.58},{"sentences":[{"text":"Okay.","start":758.24,"end":758.64,"sentiment":"neutral","sentiment_score":0.33054667711257935},{"text":"So that's perfect.","start":758.64,"end":759.44,"sentiment":"positive","sentiment_score":0.6665972669919332},{"text":"Now the next document to go through, this is the last one, is your HUD 24 performance.","start":759.44,"end":764.66003,"sentiment":"neutral","sentiment_score":0.21847505692173452},{"text":"And just let me know when you've got that up.","start":767.535,"end":769.555,"sentiment":"neutral","sentiment_score":0.11515931040048599},{"text":"So front page, it should be a nice blue table there with all your different figures for your different investment.","start":771.21497,"end":777.475,"sentiment":"neutral","sentiment_score":0.3268614798784256}],"sentiment":"neutral","sentiment_score":0.2692791597515929,"num_words":51,"start":758.24,"end":777.475},{"sentences":[{"text":"If you look at the right hand side, that is quite wildly different between all the options this year.","start":778.01495,"end":783.37,"sentiment":"neutral","sentiment_score":-0.04048995399161389},{"text":"You can see a couple of them with brackets around it, which means it's gone down and the ones without the brackets, the ones that have gone up.","start":783.91,"end":792.765,"sentiment":"neutral","sentiment_score":-0.006528768821486405},{"text":"K?","start":794.685,"end":795.16504,"sentiment":"neutral","sentiment_score":0.010603189468383787},{"text":"So what I wanted to kind of point out is the top one, been along Australian shares, that's dropped quite a bit, your Australian shares.","start":795.16504,"end":802.625,"sentiment":"neutral","sentiment_score":-0.08009356215596199},{"text":"The rest of them in the middle, your other Australian shares, your battery tech, that's like your electric vehicle has gone up 99%.","start":804.28503,"end":812.16,"sentiment":"neutral","sentiment_score":0.23187767195960748}],"sentiment":"neutral","sentiment_score":0.024888916018729407,"num_words":96,"start":778.01495,"end":812.16},{"sentences":[{"text":"Gold's up 32.","start":813.66,"end":815.19995,"sentiment":"neutral","sentiment_score":0.1907175232966741},{"text":"American shares up 13 and a half.","start":815.42,"end":817.5,"sentiment":"neutral","sentiment_score":0.20458420259611948},{"text":"So pretty much everything's doing really well.","start":817.5,"end":819.68,"sentiment":"positive","sentiment_score":0.5315725888524737},{"text":"Cybersecurity down a tiny bit, but that's you know, we kind of expect to wait for the AI thing to go through before that starts jumping up, but that one option is a little bit of a concern for me.","start":820.065,"end":830.405,"sentiment":"neutral","sentiment_score":-0.25058699008077384},{"text":"On the flip side, if you go to page two, it's got one line on a table, and that's your total portfolio.","start":832.545,"end":839.88,"sentiment":"neutral","sentiment_score":-0.012054328023540702}],"sentiment":"neutral","sentiment_score":-0.05776486974327436,"num_words":79,"start":813.66,"end":839.88},{"sentences":[{"text":"Yep?","start":839.94,"end":840.44,"sentiment":"neutral","sentiment_score":0.05759301036596298},{"text":"So on the right, you're still up just over 10% after fee, which again is a bit above the the 9% average rating for for your growth risk profile.","start":840.58,"end":850.84,"sentiment":"neutral","sentiment_score":-0.015575152532807711},{"text":"So what I want to check with you, Fiona, is last time I spoke to you, we were considering bumping up the growth assets, which is going from, like, a 80% shares in property to maybe a 90% or even putting extra in the super at some point.","start":852.875,"end":868.48,"sentiment":"neutral","sentiment_score":0.06478397113581498},{"text":"But it was kind of something that we were going to maybe wait until your cash flow was a little bit free event.","start":868.86,"end":874.48,"sentiment":"neutral","sentiment_score":-0.06231161061188449},{"text":"And I'm also thinking because the way the market's going at the moment, it's been up and down quite a bit.","start":876.14,"end":880.255,"sentiment":"neutral","sentiment_score":-0.2897388679640634}],"sentiment":"neutral","sentiment_score":-0.03936179565479521,"num_words":122,"start":839.94,"end":880.255},{"sentences":[{"text":"I don't know if you wanna be taking on more risk right now.","start":880.255,"end":886.57495,"sentiment":"negative","sentiment_score":-0.3896702229976654},{"text":"No.","start":886.57495,"end":886.815,"sentiment":"neutral","sentiment_score":-0.3061555027961731},{"text":"That's cool.","start":886.815,"end":887.375,"sentiment":"neutral","sentiment_score":-0.09158165007829666},{"text":"So what I can do is when I get those alteration quotes for the insurances, I'm probably just gonna do a bit of an engine tune up for the portfolio.","start":887.375,"end":895.5,"sentiment":"neutral","sentiment_score":0.013846440706402063},{"text":"Like, overall, it's doing really good, but that one option, I definitely wanna replace that one.","start":896.04004,"end":901.02,"sentiment":"neutral","sentiment_score":0.013845131266862154}],"sentiment":"neutral","sentiment_score":-0.07932445774936388,"num_words":62,"start":880.255,"end":901.02},{"sentences":[{"text":"Yeah.","start":903.4,"end":903.9,"sentiment":"neutral","sentiment_score":0.1296039521694183},{"text":"Do you have a preference?","start":903.96,"end":905.16003,"sentiment":"neutral","sentiment_score":0.0739378109574318},{"text":"And no wrong answer here.","start":905.16003,"end":906.94,"sentiment":"neutral","sentiment_score":0.06455576941370963},{"text":"But we can pretty much pick between low fee investments or the higher fee to try and get a higher return.","start":907.055,"end":914.035,"sentiment":"neutral","sentiment_score":0.1260180331411816},{"text":"Which way do you kinda lean between the two?","start":914.495,"end":916.83496,"sentiment":"neutral","sentiment_score":0.012681015663676791}],"sentiment":"neutral","sentiment_score":0.08737999246251292,"num_words":41,"start":903.4,"end":916.83496},{"sentences":[{"text":"Yep.","start":923.5,"end":924.0,"sentiment":"neutral","sentiment_score":0.03801041096448898},{"text":"Well, it's currently in an active option at the moment, and that's one that I'm kind of gonna replace.","start":925.42,"end":930.86,"sentiment":"neutral","sentiment_score":-0.0007839787837215944},{"text":"And I've got a few options in mind that we've been researching the last couple of months just for the Australian shares.","start":930.86,"end":936.935,"sentiment":"neutral","sentiment_score":0.0747184914282777},{"text":"If you want, I can kind of if we wanna lower the risk a little bit, I can kind of put it in a passive option with a bit lower fees, a little bit more slow and steady.","start":937.71497,"end":946.21497,"sentiment":"neutral","sentiment_score":0.08966923269786332},{"text":"It'll still maintain the same 80% growth assets, but still primarily focusing on new growth, but it's not it's gonna slightly reduce your risk for the same risk level.","start":948.53,"end":959.99,"sentiment":"neutral","sentiment_score":0.08834967864998455}],"sentiment":"neutral","sentiment_score":0.07005957017306648,"num_words":109,"start":923.5,"end":959.99},{"sentences":[{"text":"Yep.","start":963.065,"end":963.565,"sentiment":"neutral","sentiment_score":0.3041616380214691},{"text":"K.","start":963.865,"end":964.185,"sentiment":"neutral","sentiment_score":0.16324356198310852},{"text":"Now given retirement, we've still got a little bit of time up our sleeves.","start":964.185,"end":968.445,"sentiment":"neutral","sentiment_score":0.15109011584094592},{"text":"What we're usually thinking is is growing it for at least the next maybe six or seven years and then slowly reducing the risk in those last four to five.","start":968.90497,"end":977.11005,"sentiment":"neutral","sentiment_score":0.12297841037313144},{"text":"K?","start":980.13,"end":980.61005,"sentiment":"neutral","sentiment_score":0.17476624250411987}],"sentiment":"neutral","sentiment_score":0.13716564628672093,"num_words":47,"start":963.065,"end":980.61005},{"sentences":[{"text":"Now just as a reminder from last year as well, when you're more than ten years off from retirement, we just do a ten year projection.","start":980.61005,"end":987.27,"sentiment":"neutral","sentiment_score":0.06702694497429408},{"text":"But once you hit that ten year mark, we'll start to actually show you whether you're on track for it, how long the money is gonna last, and we can kind of get a bit more accurate then as well.","start":987.66504,"end":997.60504,"sentiment":"neutral","sentiment_score":0.09471954447217286},{"text":"Okay?","start":999.585,"end":1000.085,"sentiment":"neutral","sentiment_score":0.04940022900700569},{"text":"So I can do a bit of a tune up for you.","start":1000.145,"end":1001.905,"sentiment":"neutral","sentiment_score":0.11345039245982964},{"text":"And then what I'll do is I'll put together some quotes and see if there's either a better insurer or just an increase with Clearview.","start":1001.905,"end":1008.88,"sentiment":"neutral","sentiment_score":0.09402595162391662}],"sentiment":"neutral","sentiment_score":0.08935515458982152,"num_words":104,"start":980.61005,"end":1008.88},{"sentences":[{"text":"And then I'll put that in a statement of advice document along with a couple of portfolio updates, and then I can walk you through both of those.","start":1009.18,"end":1017.44,"sentiment":"neutral","sentiment_score":0.11250532950673785},{"text":"Perfect.","start":1020.365,"end":1020.765,"sentiment":"positive","sentiment_score":0.6653571128845215},{"text":"Any questions on that so far?","start":1020.765,"end":1022.385,"sentiment":"neutral","sentiment_score":0.18929429103930792},{"text":"Alrighty.","start":1024.925,"end":1025.425,"sentiment":"neutral","sentiment_score":0.16512295603752136},{"text":"So what I'm gonna do is I am about to be off in a couple of weeks on some paternity leave.","start":1025.485,"end":1031.42,"sentiment":"neutral","sentiment_score":0.10364038958435967}],"sentiment":"neutral","sentiment_score":0.12794461794066847,"num_words":57,"start":1009.18,"end":1031.42},{"sentences":[{"text":"I actually got a daughter coming in June.","start":1031.42,"end":1033.28,"sentiment":"neutral","sentiment_score":0.24954572319984436},{"text":"It is we've got two boys, and this is our girl on the way.","start":1035.9,"end":1039.84,"sentiment":"positive","sentiment_score":0.47283766471913885},{"text":"She's on the June 11.","start":1040.4601,"end":1042.24,"sentiment":"positive","sentiment_score":0.48597819805145265},{"text":"So we finally got it.","start":1042.625,"end":1044.405,"sentiment":"neutral","sentiment_score":0.2979721277952194},{"text":"Yep.","start":1045.3451,"end":1045.745,"sentiment":"neutral","sentiment_score":0.31215497851371765}],"sentiment":"positive","sentiment_score":0.3893333242246599,"num_words":33,"start":1031.42,"end":1045.745},{"sentences":[{"text":"I can imagine.","start":1045.745,"end":1046.7251,"sentiment":"positive","sentiment_score":0.4167879521846771},{"text":"And the the boys are very excited to have a younger sister.","start":1047.025,"end":1050.145,"sentiment":"positive","sentiment_score":0.7643102804819742},{"text":"They're already talking about all the things they're gonna teach you to do and climbing and footy and video games.","start":1050.145,"end":1055.285,"sentiment":"positive","sentiment_score":0.46158244982361796},{"text":"Yeah.","start":1060.68,"end":1061.0801,"sentiment":"neutral","sentiment_score":0.2055359184741974},{"text":"So what I'm gonna do, if it's okay with you, is I'll get my team to do all that research over the next couple of weeks, and then I'm pretty much gonna book you in for, like, the June just to run through the recommendation.","start":1061.0801,"end":1072.9401,"sentiment":"neutral","sentiment_score":0.18410599811209571}],"sentiment":"positive","sentiment_score":0.3474573092880072,"num_words":81,"start":1045.745,"end":1072.9401},{"sentences":[{"text":"Perfect.","start":1076.845,"end":1077.345,"sentiment":"positive","sentiment_score":0.5025315284729004},{"text":"Alrighty.","start":1077.725,"end":1078.225,"sentiment":"neutral","sentiment_score":0.26247847080230713},{"text":"Outside of that, we've got your updated service agreement in there as well.","start":1079.485,"end":1085.58,"sentiment":"neutral","sentiment_score":0.16002486990048334},{"text":"So just as a reminder from last year, we've still got the fees haven't changed.","start":1085.82,"end":1090.62,"sentiment":"neutral","sentiment_score":0.03299849480390549},{"text":"It's the 1.65%.","start":1090.62,"end":1092.3999,"sentiment":"neutral","sentiment_score":0.048655969401200615}],"sentiment":"neutral","sentiment_score":0.10564480721950531,"num_words":33,"start":1076.845,"end":1092.3999},{"sentences":[{"text":"Put it up into the different monthly repayments.","start":1092.7799,"end":1095.5199,"sentiment":"neutral","sentiment_score":0.059175442438572645},{"text":"And when we get you to 600,000, that's when we cap it at a flat fee.","start":1095.74,"end":1100.38,"sentiment":"neutral","sentiment_score":0.06788841844536364},{"text":"Okay?","start":1100.38,"end":1100.88,"sentiment":"neutral","sentiment_score":0.052190106362104416},{"text":"Cool.","start":1103.215,"end":1103.695,"sentiment":"neutral","sentiment_score":0.27353209257125854},{"text":"There's also that updated financial services guide there as well just with the licensing details, updated privacy policy, all that kind of thing.","start":1103.695,"end":1112.515,"sentiment":"neutral","sentiment_score":0.1518706024988838}],"sentiment":"neutral","sentiment_score":0.10976253655187938,"num_words":49,"start":1092.7799,"end":1112.515},{"sentences":[{"text":"Cool.","start":1114.6799,"end":1115.08,"sentiment":"neutral","sentiment_score":0.19597655534744263},{"text":"Now, Fiona, if you're comfortable with the plan so far going forward, would you be able to go through that digital authorization link form?","start":1115.08,"end":1123.34,"sentiment":"neutral","sentiment_score":0.10049749771133065},{"text":"Yeah.","start":1125.5599,"end":1125.88,"sentiment":"neutral","sentiment_score":0.008550510741770267},{"text":"Now it's a bit different.","start":1125.88,"end":1126.84,"sentiment":"neutral","sentiment_score":-0.036634841561317445},{"text":"I don't know if you've actually used that new over time before.","start":1126.84,"end":1129.58,"sentiment":"neutral","sentiment_score":-0.0422840368313094}],"sentiment":"neutral","sentiment_score":0.044788008404159266,"num_words":43,"start":1114.6799,"end":1129.58},{"sentences":[{"text":"A bit different than DocuSign.","start":1129.7749,"end":1131.1549,"sentiment":"neutral","sentiment_score":-0.06542551666498184},{"text":"So you know how I had those attachments at the bottom of the email?","start":1134.8949,"end":1138.195,"sentiment":"neutral","sentiment_score":-0.025934237321572646},{"text":"There's a little bit of a link there to say sign now, but it brings open the service agreement document like a DocuSign that lets you scroll through it.","start":1140.335,"end":1148.93,"sentiment":"neutral","sentiment_score":0.026765461304578287},{"text":"Yeah.","start":1153.0701,"end":1153.39,"sentiment":"neutral","sentiment_score":0.01440184749662876},{"text":"That's right.","start":1153.39,"end":1154.2101,"sentiment":"neutral","sentiment_score":0.020435812883079052}],"sentiment":"neutral","sentiment_score":0.0027699008876202152,"num_words":51,"start":1129.7749,"end":1154.2101},{"sentences":[{"text":"Yep.","start":1155.0851,"end":1155.3251,"sentiment":"neutral","sentiment_score":-0.02032908797264099},{"text":"And it will bring you into the system.","start":1155.3251,"end":1157.025,"sentiment":"neutral","sentiment_score":0.2543746381998062},{"text":"Yep.","start":1159.405,"end":1159.645,"sentiment":"neutral","sentiment_score":0.1542252004146576},{"text":"So what it lets you do is you can scroll through the document top to bottom.","start":1159.645,"end":1163.9851,"sentiment":"neutral","sentiment_score":0.15638724341988564},{"text":"And then when you're ready, you can click the little purple button, then it will pull you to the signature boxes and the date boxes.","start":1164.285,"end":1171.4401,"sentiment":"neutral","sentiment_score":0.07432862281799317}],"sentiment":"neutral","sentiment_score":0.1280255820236954,"num_words":51,"start":1155.0851,"end":1171.4401},{"sentences":[{"text":"Yeah.","start":1172.9401,"end":1173.4401,"sentiment":"neutral","sentiment_score":0.0696859359741211},{"text":"If you would like, it's usually a bit better if you can obviously, like, draw your signature rather than just stamp it, but stamping is okay for our documents.","start":1173.9,"end":1182.4801,"sentiment":"neutral","sentiment_score":0.04891555017695345},{"text":"If you actually click on the signature itself, it'll open a box for you.","start":1182.965,"end":1187.305,"sentiment":"neutral","sentiment_score":0.08400566184094974},{"text":"Yeah.","start":1195.4601,"end":1195.78,"sentiment":"neutral","sentiment_score":-0.021316999569535255},{"text":"No.","start":1195.78,"end":1195.9401,"sentiment":"neutral","sentiment_score":-0.09875370562076569}],"sentiment":"neutral","sentiment_score":0.05530968373236449,"num_words":46,"start":1172.9401,"end":1195.9401},{"sentences":[{"text":"That's a bit awkward.","start":1195.9401,"end":1196.66,"sentiment":"negative","sentiment_score":-0.3569376692175865},{"text":"If you wanna stamp it, that's fine for us.","start":1196.66,"end":1198.84,"sentiment":"neutral","sentiment_score":-0.1752949001060592},{"text":"Oh, alrighty.","start":1206.5,"end":1207.3201,"sentiment":"neutral","sentiment_score":0.09898076951503754},{"text":"Yeah.","start":1209.155,"end":1209.635,"sentiment":"neutral","sentiment_score":0.12499848008155824},{"text":"And it'll pop up to ask you if you wanna save a assigned copy for your records as well.","start":1209.635,"end":1214.535,"sentiment":"neutral","sentiment_score":0.18576322574364512}],"sentiment":"neutral","sentiment_score":0.02420161515474319,"num_words":35,"start":1195.9401,"end":1214.535},{"sentences":[{"text":"No.","start":1223.4401,"end":1223.6001,"sentiment":"neutral","sentiment_score":0.10455932468175888},{"text":"That's fair enough.","start":1223.6001,"end":1224.3201,"sentiment":"neutral","sentiment_score":0.1805852403243383},{"text":"I'm just gonna jump into my system as well.","start":1224.3201,"end":1226.8201,"sentiment":"neutral","sentiment_score":0.32948137323061627},{"text":"That's already come through here.","start":1227.2001,"end":1228.8,"sentiment":"positive","sentiment_score":0.368863570690155},{"text":"Very green tick, so thank you very much for that.","start":1228.8,"end":1231.78,"sentiment":"positive","sentiment_score":0.732586681842804}],"sentiment":"positive","sentiment_score":0.4564940027360405,"num_words":28,"start":1223.4401,"end":1231.78},{"sentences":[{"text":"Now, Fiona, just to quickly double check with you before I let you go, are there any other questions for me before I send off this research request?","start":1234.815,"end":1243.315,"sentiment":"neutral","sentiment_score":0.13900082332215138},{"text":"K.","start":1246.255,"end":1246.59,"sentiment":"neutral","sentiment_score":0.02616140991449356},{"text":"One thing I wanted to ask you just before I let you go is in terms of contact frequency, we're obviously gonna catch up in June to go through the updates.","start":1246.75,"end":1255.33,"sentiment":"neutral","sentiment_score":0.09853040619242576},{"text":"Do you want me to set you up for just the annual review or some quarterly catch ups or six monthly?","start":1255.63,"end":1260.85,"sentiment":"neutral","sentiment_score":0.11372896461259752},{"text":"Yep.","start":1265.285,"end":1265.785,"sentiment":"neutral","sentiment_score":0.2114170640707016}],"sentiment":"neutral","sentiment_score":0.11673600458335585,"num_words":82,"start":1234.815,"end":1265.785},{"sentences":[{"text":"Yeah.","start":1267.925,"end":1268.245,"sentiment":"neutral","sentiment_score":0.1560387909412384},{"text":"You just call through and the team will book you in.","start":1268.245,"end":1270.665,"sentiment":"neutral","sentiment_score":0.1971957968039946},{"text":"No worries.","start":1273.38,"end":1273.86,"sentiment":"neutral","sentiment_score":0.11455265805125237},{"text":"Well, thank you very much for taking the time today.","start":1273.86,"end":1276.2001,"sentiment":"positive","sentiment_score":0.8388322591781616},{"text":"I will run off and go and do that.","start":1276.42,"end":1278.5,"sentiment":"positive","sentiment_score":0.4187791910436418}],"sentiment":"positive","sentiment_score":0.44580706615339627,"num_words":33,"start":1267.925,"end":1278.5},{"sentences":[{"text":"And then again, just around the end of financial year, just keep an eye out.","start":1278.5,"end":1283.14,"sentiment":"neutral","sentiment_score":0.1397858793536822},{"text":"We'll give you a call, text, and email just to get you booked in to go through that document with me.","start":1283.14,"end":1287.675,"sentiment":"neutral","sentiment_score":0.28939455038025264},{"text":"Amazing.","start":1290.875,"end":1291.375,"sentiment":"positive","sentiment_score":0.7748860120773315},{"text":"Have a I will.","start":1291.515,"end":1293.3551,"sentiment":"neutral","sentiment_score":0.2990725003182888},{"text":"I will.","start":1293.3551,"end":1293.755,"sentiment":"neutral","sentiment_score":0.1616775207221508}],"sentiment":"neutral","sentiment_score":0.24345592565314714,"num_words":43,"start":1278.5,"end":1293.755},{"sentences":[{"text":"And I'll talk to you soon.","start":1293.755,"end":1294.7151,"sentiment":"neutral","sentiment_score":0.2303830807407697},{"text":"Okay?","start":1294.7151,"end":1295.2151,"sentiment":"neutral","sentiment_score":0.13918831944465637},{"text":"Thank you, Fiona.","start":1297.5951,"end":1298.555,"sentiment":"positive","sentiment_score":0.6338646610577902},{"text":"Bye.","start":1298.555,"end":1299.055,"sentiment":"neutral","sentiment_score":-0.12931424379348755}],"sentiment":"neutral","sentiment_score":0.29943332211537793,"num_words":11,"start":1293.755,"end":1299.055}]}}]},{"alternatives":[{"transcript":"Hello? Sheila speaking. Yeah. Good. Yourself? Yeah. I know. Scary. Yeah. Sure. Mhmm. I think it's my dad's name. No. That's okay. Yeah. Sure. Yeah. Sure. Okay. I just got a sign request. Yes. Yeah. Mhmm. Keep making me money. Mhmm. Yeah. Yep. Correct. Yes. Eleven donuts. Yep. To my son. Yeah. I I did do that. Mhmm. Yeah. Still owe about 200,000. Yeah. It's about 1.2 at the moment. No. Yeah. It's it's just insane. That well, that's where the house is in the street similar to mine is selling for, and some aren't even as nice. Yes. Yes. Still about that. Yeah. No. It's about the same. Yeah. It doesn't matter how much I make. I spend it. I got I I did get a promotion, and I've I do make more money now, but I seem to I put actually extra money on my house every month. $500. Every month, I pay extra on my mortgage. Yes. Yeah. Correct. Electricity, food. Yeah. It just disappears. And I've been renovating, so all the money I did save, I've just spent I've just spent about $8,000 on my house renovating. We've built in one of the double garages and have turned it into, I guess, a games room, man cave as such. New flooring, paint, ceiling. I wanna put concrete out under the back patio and rip all the pavers up. So there'll still be a few more things, but not straight away. Yeah. Definitely. I think the concrete's about, I'd say, about $10. I think the concrete is about 8 and then paint, you know, little things that'll add up. So approximately okay. Yeah. I understand. Mhmm. Yeah. Crazy. Hey. Just a few small windows. You know? I'm just trying to save every time I save sort of a bulk amount of money, then I do a renovation. Yeah. I'm trying to yeah. I always try and keep it around the 25,000. Just, you know, never know. Yeah. I do have extra savings, actually. Sorry. I've got about $1,415,000 in another account for my son to buy a car when he's older. So it kinda I don't sort of think about that. I just sort of did it in this you know? So there is more money in the backup plan, but it's kind of you'll need $20 to buy a car in a few years. That's my theory. Correct. Yeah. I've got it in one of those accounts, like, through the bank. If I don't touch it every month, they give me a big lump sum of money on top of what I deposit? Yeah. I've set it up. And you don't pay tax on kids' money? Yeah. Mhmm. I put $20 a month and the bank gives me 40 because it's built up so much now. Hope so. Correct. No. I've bought some actually, there is I bought a solar battery box and replaced the solar on my roof. I am paying that off monthly. So top of my head, $400 a month Goes out for the new solar and the battery lock. Yes. Yes. Correct. Correct. Mhmm. Yes. I'll just walk back to my desk. Sorry. I've walked outside. Okay. I got it. Mhmm. Mhmm. Yep. Yep. Mhmm. Yep. That's okay. Sorry. Oh, no. I'm still vaping. Okay. Well, yeah, maybe that's not enough. But, I mean, if I maybe it would be because that would just oh, that's something if I hurt myself, isn't it? What is it? Okay. Yeah. Probably would need to be more than that. Somewhere in the middle. Yeah. Maybe. Yeah. That's what I was thinking. Yeah. Sure. Mhmm. Okay. This is it. No. No. Nothing. Yeah. Sure. Okay. Yeah. Why not? Hi. Yeah? That was Yep. Mhmm. Yes. Yes. Oh, no. Okay. Yeah. Yep. K. Yeah. Oh, yes. Total. Yep. Okay. Yes. Yeah. Probably not, to be honest. Mhmm. Okay. Okay. That sounds good. I don't know. I'm not a big risk taker, to be honest. Okay. Yeah. Yes. Okay. Yeah. That sounds good. Yes. Yeah. Sounds good. Mhmm. Okay. Yep. Okay. Okay. That sounds really good. Hello? Oh, I'm excited. Oh, that's really lucky. They're a lot different to boys. Trust me. Oh goodness. Few years yet, boys. Yep. Yeah. That's fine. No worries. Mhmm. Yep. That's right. Yeah. Yeah. Yeah. Sure. Oh, no. I haven't. Yeah. So you just click on that DocuSign at the top of the email or sign documents. Sorry. Oh, yeah. Yep. Oh, yeah. And sign all. Yep. Oh, okay. Alright. Yeah. Yes. And it's still oh, yeah. It says auto. If I draw it oh god. It's one inside design. That's okay. Yeah. That's alright. And then just validate? Is that okay. Loading. Yeah. No worries. No. Not at all. Mhmm. In your views, for a fact, that's fine. Because I can just contact you if I need anything, can I? Yeah. Yeah. No worries. Yes. Okay. Thank you very much. Enjoy your time off. Thank you. 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Sheila speaking. Yeah. Good. Yourself?\n\nYeah. I know. Scary. Yeah. Sure.\n\nMhmm. I think it's my dad's name. No. That's okay. Yeah.\n\nSure. Yeah. Sure. Okay. I just got a sign request.\n\nYes. Yeah. Mhmm. Keep making me money. Mhmm.\n\nYeah. Yep. Correct. Yes. Eleven donuts.\n\nYep. To my son. Yeah. I I did do that. Mhmm.\n\nYeah. Still owe about 200,000. Yeah. It's about 1.2 at the moment. No.\n\nYeah. It's it's just insane. That well, that's where the house is in the street similar to mine is selling for, and some aren't even as nice. Yes. Yes.\n\nStill about that. Yeah. No. It's about the same. Yeah.\n\nIt doesn't matter how much I make. I spend it. I got I I did get a promotion, and I've I do make more money now, but I seem to I put actually extra money on my house every month. $500. Every month, I pay extra on my mortgage.\n\nYes. Yeah. Correct. Electricity, food. Yeah.\n\nIt just disappears. And I've been renovating, so all the money I did save, I've just spent I've just spent about $8,000 on my house renovating. We've built in one of the double garages and have turned it into, I guess, a games room, man cave as such. New flooring, paint, ceiling. I wanna put concrete out under the back patio and rip all the pavers up.\n\nSo there'll still be a few more things, but not straight away. Yeah. Definitely. I think the concrete's about, I'd say, about $10. I think the concrete is about 8 and then paint, you know, little things that'll add up.\n\nSo approximately okay. Yeah. I understand. Mhmm. Yeah.\n\nCrazy. Hey. Just a few small windows. You know? I'm just trying to save every time I save sort of a bulk amount of money, then I do a renovation.\n\nYeah. I'm trying to yeah. I always try and keep it around the 25,000. Just, you know, never know. Yeah.\n\nI do have extra savings, actually. Sorry. I've got about $1,415,000 in another account for my son to buy a car when he's older. So it kinda I don't sort of think about that. I just sort of did it in this you know?\n\nSo there is more money in the backup plan, but it's kind of you'll need $20 to buy a car in a few years. That's my theory. Correct. Yeah. I've got it in one of those accounts, like, through the bank.\n\nIf I don't touch it every month, they give me a big lump sum of money on top of what I deposit? Yeah. I've set it up. And you don't pay tax on kids' money? Yeah.\n\nMhmm. I put $20 a month and the bank gives me 40 because it's built up so much now. Hope so. Correct. No.\n\nI've bought some actually, there is I bought a solar battery box and replaced the solar on my roof. I am paying that off monthly. So top of my head, $400 a month Goes out for the new solar and the battery lock. Yes. Yes.\n\nCorrect. Correct. Mhmm. Yes. I'll just walk back to my desk.\n\nSorry. I've walked outside. Okay. I got it. Mhmm.\n\nMhmm. Yep. Yep. Mhmm. Yep.\n\nThat's okay. Sorry. Oh, no. I'm still vaping. Okay.\n\nWell, yeah, maybe that's not enough. But, I mean, if I maybe it would be because that would just oh, that's something if I hurt myself, isn't it? What is it? Okay. Yeah.\n\nProbably would need to be more than that. Somewhere in the middle. Yeah. Maybe. Yeah.\n\nThat's what I was thinking. Yeah. Sure. Mhmm. Okay.\n\nThis is it. No. No. Nothing. Yeah.\n\nSure. Okay. Yeah. Why not? Hi.\n\nYeah? That was Yep. Mhmm. Yes. Yes.\n\nOh, no. Okay. Yeah. Yep. K.\n\nYeah. Oh, yes. Total. Yep. Okay.\n\nYes. Yeah. Probably not, to be honest. Mhmm. Okay.\n\nOkay. That sounds good. I don't know. I'm not a big risk taker, to be honest. Okay.\n\nYeah. Yes. Okay. Yeah. That sounds good.\n\nYes. Yeah. Sounds good. Mhmm. Okay.\n\nYep. Okay. Okay. That sounds really good. Hello?\n\nOh, I'm excited. Oh, that's really lucky. They're a lot different to boys. Trust me. Oh goodness.\n\nFew years yet, boys. Yep. Yeah. That's fine. No worries.\n\nMhmm. Yep. That's right. Yeah. Yeah.\n\nYeah. Sure. Oh, no. I haven't. Yeah.\n\nSo you just click on that DocuSign at the top of the email or sign documents. Sorry. Oh, yeah. Yep. Oh, yeah.\n\nAnd sign all. Yep. Oh, okay. Alright. Yeah.\n\nYes. And it's still oh, yeah. It says auto. If I draw it oh god. It's one inside design.\n\nThat's okay. Yeah. That's alright. And then just validate? Is that okay.\n\nLoading. Yeah. No worries. No. Not at all.\n\nMhmm. In your views, for a fact, that's fine. Because I can just contact you if I need anything, can I? Yeah. Yeah.\n\nNo worries. Yes. Okay. Thank you very much. Enjoy your time off.\n\nThank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.24,"end":0.64,"sentiment":"neutral","sentiment_score":0.026056837290525436},{"text":"Sheila speaking.","start":0.64,"end":1.54,"sentiment":"neutral","sentiment_score":0.05043405294418335},{"text":"Yeah.","start":6.24,"end":6.48,"sentiment":"neutral","sentiment_score":0.24184392392635343},{"text":"Good.","start":6.48,"end":6.7999997,"sentiment":"positive","sentiment_score":0.359155535697937},{"text":"Yourself?","start":6.7999997,"end":7.2999997,"sentiment":"neutral","sentiment_score":0.3010255992412567}],"sentiment":"neutral","sentiment_score":0.17149166700740656,"num_words":6,"start":0.24,"end":7.2999997},{"sentences":[{"text":"Yeah.","start":11.679999,"end":11.92,"sentiment":"neutral","sentiment_score":0.02318793348968029},{"text":"I 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donuts.","start":132.87,"end":133.84999,"sentiment":"neutral","sentiment_score":0.08829736709594727}],"sentiment":"neutral","sentiment_score":0.11518339874843757,"num_words":6,"start":121.515,"end":133.84999},{"sentences":[{"text":"Yep.","start":138.31,"end":138.81,"sentiment":"neutral","sentiment_score":0.1149360090494156},{"text":"To my son.","start":144.49501,"end":145.295,"sentiment":"neutral","sentiment_score":0.06680654734373093},{"text":"Yeah.","start":145.295,"end":145.535,"sentiment":"neutral","sentiment_score":0.1314739286899567},{"text":"I I did do 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disappears.","start":258.905,"end":259.965,"sentiment":"neutral","sentiment_score":-0.010312084729472796},{"text":"And I've been renovating, so all the money I did save, I've just spent I've just spent about $8,000 on my house renovating.","start":260.505,"end":268.205,"sentiment":"neutral","sentiment_score":0.046867920328741486},{"text":"We've built in one of the double garages and have turned it into, I guess, a games room, man cave as such.","start":271.65,"end":277.99,"sentiment":"neutral","sentiment_score":0.04842627183957533},{"text":"New flooring, paint, ceiling.","start":278.29,"end":280.71,"sentiment":"neutral","sentiment_score":0.10522931534796953},{"text":"I wanna put concrete out under the back patio and rip all the pavers up.","start":286.32498,"end":290.26498,"sentiment":"neutral","sentiment_score":-0.046636140222350755}],"sentiment":"neutral","sentiment_score":0.027369836595521044,"num_words":67,"start":258.905,"end":290.26498},{"sentences":[{"text":"So there'll still be a few more things, but not straight away.","start":291.685,"end":295.88,"sentiment":"neutral","sentiment_score":-0.043089344166219234},{"text":"Yeah.","start":300.66,"end":300.98,"sentiment":"neutral","sentiment_score":0.04836377501487732},{"text":"Definitely.","start":300.98,"end":301.48,"sentiment":"neutral","sentiment_score":0.1020679697394371},{"text":"I think the concrete's about, I'd say, about $10.","start":306.74002,"end":309.86502,"sentiment":"neutral","sentiment_score":-0.025406384012765355},{"text":"I think the concrete is about 8 and then paint, you know, little things that'll add up.","start":309.86502,"end":314.765,"sentiment":"neutral","sentiment_score":-0.020677776240250644}],"sentiment":"neutral","sentiment_score":-0.02367050093598664,"num_words":40,"start":291.685,"end":314.765},{"sentences":[{"text":"So approximately okay.","start":316.265,"end":319.46503,"sentiment":"neutral","sentiment_score":-0.007519497536122799},{"text":"Yeah.","start":319.46503,"end":319.70502,"sentiment":"neutral","sentiment_score":-0.0048429109156131744},{"text":"I understand.","start":319.70502,"end":320.285,"sentiment":"neutral","sentiment_score":-0.01690389309078455},{"text":"Mhmm.","start":331.92,"end":332.42,"sentiment":"neutral","sentiment_score":-0.007649512030184269},{"text":"Yeah.","start":333.76,"end":334.24002,"sentiment":"neutral","sentiment_score":0.02148024365305901}],"sentiment":"neutral","sentiment_score":-0.005922307260334492,"num_words":8,"start":316.265,"end":334.24002},{"sentences":[{"text":"Crazy.","start":334.24002,"end":334.74002,"sentiment":"neutral","sentiment_score":0.042045753449201584},{"text":"Hey.","start":334.80002,"end":335.30002,"sentiment":"neutral","sentiment_score":0.06713105738162994},{"text":"Just a few small windows.","start":341.565,"end":343.24503,"sentiment":"neutral","sentiment_score":0.04934160485863685},{"text":"You know?","start":343.24503,"end":343.64502,"sentiment":"neutral","sentiment_score":0.02405130211263895},{"text":"I'm just trying to save every time I save sort of a bulk amount of money, then I do a renovation.","start":343.64502,"end":348.545,"sentiment":"neutral","sentiment_score":0.05309262481473741}],"sentiment":"neutral","sentiment_score":0.050631085348625975,"num_words":30,"start":334.24002,"end":348.545},{"sentences":[{"text":"Yeah.","start":353.69,"end":354.19,"sentiment":"neutral","sentiment_score":0.07115080952644348},{"text":"I'm trying to yeah.","start":355.53,"end":356.65,"sentiment":"neutral","sentiment_score":0.11720971018075943},{"text":"I always try and keep it around the 25,000.","start":356.65,"end":360.27,"sentiment":"neutral","sentiment_score":0.18475571274757385},{"text":"Just, you know, never 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goodness.","start":1053.6849,"end":1054.4249,"sentiment":"positive","sentiment_score":0.4001770317554474}],"sentiment":"positive","sentiment_score":0.4273068045868593,"num_words":17,"start":1033.575,"end":1054.4249},{"sentences":[{"text":"Few years yet, boys.","start":1058.005,"end":1059.3049,"sentiment":"neutral","sentiment_score":0.16235698387026787},{"text":"Yep.","start":1067.46,"end":1067.96,"sentiment":"neutral","sentiment_score":0.1866903156042099},{"text":"Yeah.","start":1073.46,"end":1073.78,"sentiment":"neutral","sentiment_score":0.1792355477809906},{"text":"That's fine.","start":1073.78,"end":1074.42,"sentiment":"neutral","sentiment_score":0.250144898891449},{"text":"No 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you.","start":1295.5469,"end":1296.2869,"sentiment":"positive","sentiment_score":0.5757962763309479},{"text":"Bye.","start":1296.3469,"end":1296.8469,"sentiment":"neutral","sentiment_score":0.30943357944488525}],"sentiment":"positive","sentiment_score":0.4870087107022603,"num_words":3,"start":1295.5469,"end":1296.8469}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Sheila speaking.\n\nChannel 0: Good afternoon, Fiona. It's Tommy here from OQ Financial. How are you going?\n\nChannel 1: Yeah. Good. Yourself?\n\nChannel 0: I'm doing fantastic. I can't believe it's been almost a year already.\n\nChannel 1: Yeah. I know. Scary.\n\nChannel 0: Time's just flying by. Do you still have time to go through the annual review with me?\n\nChannel 1: Yeah. Sure.\n\nChannel 0: Fantastic. So I'm gonna pop through an annual review pack through to your email from our new system. Just\n\nChannel 1: Mhmm.\n\nChannel 0: before I do that, do you remember for security purposes your client password?\n\nChannel 1: I think it's my dad's name. No.\n\nChannel 0: Yes. That's correct. Thank you so much for that.\n\nChannel 1: That's\n\nChannel 0: And\n\nChannel 1: okay.\n\nChannel 0: are you okay for the call to be recorded?\n\nChannel 1: Yeah. Sure.\n\nChannel 0: Fantastic. Alright. So I'm gonna pop this through to your Yahoo email address. Will you be able to look on to the documents with me today?\n\nChannel 1: Yeah. Sure.\n\nChannel 0: Okay. So I'll pop that through. Just to let you know what's coming, we'll get a updated certificate of currency for your ClearView policy and updated performance report, financial services guide, and service agreement as well. So I'll shoot that through to you now.\n\nChannel 1: Okay.\n\nChannel 0: Now just that should come through your main box. Sometimes the first one from the new system goes through the spam folder, but just let me know if that comes through okay.\n\nChannel 1: I just got a sign request.\n\nChannel 0: Yep. That's the one. So when you go inside that email, I've attached all of the annual review documents\n\nChannel 1: Yes.\n\nChannel 0: at the bottom like PDFs.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Now just before I jump into it, I'm gonna update a few details just to see if there's been any major changes. Anything in particular you're hoping to get out of this review?\n\nChannel 1: Mhmm. Keep making me money.\n\nChannel 0: Yep. That's it. General update and up and up. That's the way\n\nChannel 1: Mhmm.\n\nChannel 0: it is. Now I'm just gonna quickly check the goals that we put in place last time. We had you looking to buy some land, but you wanted to kind of wait until your son was 18 before\n\nChannel 1: Yeah.\n\nChannel 0: doing that?\n\nChannel 1: Yep. Correct.\n\nChannel 0: Perfect. We were gonna update some estate planning, and I think you were gonna put in place, like, a will or a power of attorney, maybe talking\n\nChannel 1: Yes.\n\nChannel 0: to a solicitor.\n\nChannel 1: Eleven donuts.\n\nChannel 0: No. That's fine. That's your your yearly reminder to try and get\n\nChannel 1: Yep.\n\nChannel 0: that sorted. But I think we updated your beneficiary nominations as well to include\n\nChannel 1: To my son.\n\nChannel 0: I think\n\nChannel 1: Yeah. I I did do that.\n\nChannel 0: yep. That's perfect. We've got a pretty pretty modest retirement goal at $65,800 a week with\n\nChannel 1: Mhmm.\n\nChannel 0: the mortgage paid off. How is the mortgage going? Have you paid that down\n\nChannel 1: Yeah.\n\nChannel 0: a bit?\n\nChannel 1: Still owe about 200,000.\n\nChannel 0: Not too bad. And I'm assuming property values probably jumped up pretty well given what's happened\n\nChannel 1: Yeah.\n\nChannel 0: to the\n\nChannel 1: It's\n\nChannel 0: markets\n\nChannel 1: about\n\nChannel 0: recently.\n\nChannel 1: 1.2 at the moment.\n\nChannel 0: 1.2, you've got to be kidding me.\n\nChannel 1: No.\n\nChannel 0: That's sensational.\n\nChannel 1: Yeah. It's\n\nChannel 0: Okay.\n\nChannel 1: it's\n\nChannel 0: I'll\n\nChannel 1: just\n\nChannel 0: update\n\nChannel 1: insane.\n\nChannel 0: that.\n\nChannel 1: That well, that's where the house is in the street similar to mine is selling for, and\n\nChannel 0: That's\n\nChannel 1: some aren't even\n\nChannel 0: fantastic.\n\nChannel 1: as nice.\n\nChannel 0: Outside of that for assets, we had the work car, the motorbike, and some savings.\n\nChannel 1: Yes.\n\nChannel 0: I think we had your cash savings. You had a buffer of about 25,000. Have you\n\nChannel 1: Yes.\n\nChannel 0: been managing to\n\nChannel 1: Still\n\nChannel 0: build\n\nChannel 1: about\n\nChannel 0: that up?\n\nChannel 1: that. Yeah. No.\n\nChannel 0: Yep.\n\nChannel 1: It's about the same.\n\nChannel 0: I was gonna ask you, how are you going with all the cost of living and interest rate changes?\n\nChannel 1: Yeah. It doesn't matter how much I make. I spend it. I\n\nChannel 0: No.\n\nChannel 1: got I\n\nChannel 0: That's\n\nChannel 1: I did\n\nChannel 0: always\n\nChannel 1: get a\n\nChannel 0: fun.\n\nChannel 1: promotion, and I've I do make more money now, but I seem to I put actually extra money on my house every month.\n\nChannel 0: Yeah. Nice. Is it like a set amount that you do every time?\n\nChannel 1: $500.\n\nChannel 0: Or\n\nChannel 1: Every month, I\n\nChannel 0: five\n\nChannel 1: pay extra\n\nChannel 0: 100\n\nChannel 1: on\n\nChannel 0: thousand.\n\nChannel 1: my mortgage.\n\nChannel 0: That is fantastic. And I did notice the promotion too. I watched your contribution jump up from about $8.72 a month to over 1,100.\n\nChannel 1: Yes.\n\nChannel 0: So that's fantastic. Would you be on I think last income we had 91,000. Would you be on about 110 now? Or\n\nChannel 1: Yeah. Correct.\n\nChannel 0: Fantastic. And like you said, there's always something to eat it up, but it's good to get the extra\n\nChannel 1: Electricity,\n\nChannel 0: repayments going.\n\nChannel 1: food. Yeah. It just disappears.\n\nChannel 0: Yep. Fuel\n\nChannel 1: And I've\n\nChannel 0: as\n\nChannel 1: been\n\nChannel 0: well.\n\nChannel 1: renovating, so all the money I did save, I've just spent I've just spent about $8,000 on my house renovating.\n\nChannel 0: Oh, wow. Okay. Where did you get done?\n\nChannel 1: We've built in one of the double garages and have turned it into, I guess, a games room, man cave as such. New flooring,\n\nChannel 0: Cool.\n\nChannel 1: paint, ceiling.\n\nChannel 0: Amazing. Anything else to renovate on there now?\n\nChannel 1: I wanna put concrete out under the back patio and rip all the pavers up. So there'll still be a few more things, but not straight away.\n\nChannel 0: Yeah. Cool. So just over the next, what, twelve to twenty four months?\n\nChannel 1: Yeah. Definitely.\n\nChannel 0: Cool. Do you have a bit of a costing for that? I know material has gone up quite a bit.\n\nChannel 1: I think the concrete's about, I'd say, about $10. I think the concrete is about 8 and then paint, you know, little things that'll add up.\n\nChannel 0: Mhmm. Yep.\n\nChannel 1: So\n\nChannel 0: I know I'm\n\nChannel 1: approximately\n\nChannel 0: currently building a deck, so\n\nChannel 1: okay.\n\nChannel 0: I know exactly\n\nChannel 1: Yeah.\n\nChannel 0: what\n\nChannel 1: I understand.\n\nChannel 0: we're going through. We ended up doing a pavers at the back exactly what you were just saying. We ripped up all the pavers and put a patio out there, and that was these charcoal pavers. It\n\nChannel 1: Mhmm.\n\nChannel 0: was $20 all up.\n\nChannel 1: Yeah. Crazy. Hey.\n\nChannel 0: Absolutely. Anything else on the cards for you guys?\n\nChannel 1: Just a few small windows. You know? I'm just trying to save every time I save sort of a bulk amount of money, then I do a renovation.\n\nChannel 0: Yep. No. That's fair enough. Build it up a bit. Spend a bit.\n\nBuild it up. Spend a\n\nChannel 1: Yeah.\n\nChannel 0: bit. But as long as you've got that cash buffer\n\nChannel 1: I'm\n\nChannel 0: there,\n\nChannel 1: trying\n\nChannel 0: it should\n\nChannel 1: to\n\nChannel 0: be\n\nChannel 1: yeah.\n\nChannel 0: nice\n\nChannel 1: I\n\nChannel 0: places.\n\nChannel 1: always try and keep it around the 25,000.\n\nChannel 0: Yep.\n\nChannel 1: Just, you know,\n\nChannel 0: Fantastic.\n\nChannel 1: never\n\nChannel 0: Yeah. Runny day fund's good in this\n\nChannel 1: know.\n\nChannel 0: economy. That's for sure.\n\nChannel 1: Yeah.\n\nChannel 0: And\n\nChannel 1: I\n\nChannel 0: did\n\nChannel 1: do\n\nChannel 0: you\n\nChannel 1: have\n\nChannel 0: get a change\n\nChannel 1: extra\n\nChannel 0: in\n\nChannel 1: savings,\n\nChannel 0: your\n\nChannel 1: actually.\n\nChannel 0: oh,\n\nChannel 1: Sorry.\n\nChannel 0: yep.\n\nChannel 1: I've got about $1,415,000 in another account for my son to buy a car when he's older. So it kinda\n\nChannel 0: Oh, sensational.\n\nChannel 1: I don't sort of think about that. I just sort of did it in this you know? So there is more money in the backup plan, but\n\nChannel 0: Yeah.\n\nChannel 1: it's kind of you'll need $20 to buy a car in a few years. That's\n\nChannel 0: Amazing.\n\nChannel 1: my theory.\n\nChannel 0: And he wouldn't be 18 for another, what, seven years or so?\n\nChannel 1: Correct.\n\nChannel 0: Okay. Yeah. Well, look. If you ever wanna look at some we do a little bit of a child investing every now and then with people just\n\nChannel 1: Yeah.\n\nChannel 0: to get\n\nChannel 1: I've\n\nChannel 0: things\n\nChannel 1: got\n\nChannel 0: going\n\nChannel 1: it in\n\nChannel 0: a\n\nChannel 1: one\n\nChannel 0: little\n\nChannel 1: of those\n\nChannel 0: bit quicker.\n\nChannel 1: accounts, like, through the bank. If I don't touch it every month, they give me a big lump sum of money on\n\nChannel 0: Oh, that's\n\nChannel 1: top of\n\nChannel 0: perfect.\n\nChannel 1: what I deposit? Yeah. I've set it up. And you don't pay tax on kids' money?\n\nChannel 0: Oh, amazing. That's\n\nChannel 1: Yeah.\n\nChannel 0: going pretty good. Do you put\n\nChannel 1: Mhmm.\n\nChannel 0: aside, like, a set amount into their order type? And\n\nChannel 1: I put $20 a month and the bank gives me 40 because it's built up so much now.\n\nChannel 0: right. Amazing. I just wanna note that down on your file. That's so cool. Okay.\n\nWell, he'll be very grateful. I'm sure.\n\nChannel 1: Hope so.\n\nChannel 0: Yes. Absolutely. I think we still had you as a single marital status. Is that right?\n\nChannel 1: Correct.\n\nChannel 0: Yep. And no other loans or anything that have popped up?\n\nChannel 1: No.\n\nChannel 0: Amazing. Just doing everything\n\nChannel 1: I've bought\n\nChannel 0: from\n\nChannel 1: some\n\nChannel 0: savings\n\nChannel 1: actually,\n\nChannel 0: and capital.\n\nChannel 1: there is I bought a solar battery box and replaced the solar on my roof. I am paying\n\nChannel 0: Oh,\n\nChannel 1: that\n\nChannel 0: yeah.\n\nChannel 1: off\n\nChannel 0: Yep.\n\nChannel 1: monthly. So top of my head, $400 a month\n\nChannel 0: Yep. No. That's cool.\n\nChannel 1: Goes out for the new solar and the battery lock.\n\nChannel 0: Solar and battery box. That'd be a good long\n\nChannel 1: Yes.\n\nChannel 0: term investment for you.\n\nChannel 1: Yes. Correct.\n\nChannel 0: Alright. So that's all looking pretty up to date. No changes in your I think we've still got your Millwood Street address\n\nChannel 1: Correct.\n\nChannel 0: wise. Yep.\n\nChannel 1: Mhmm.\n\nChannel 0: Phone and email are still the same. Yep. That's all looking perfect. Alright. Now do you still have that email open?\n\nChannel 1: Yes. I'll just walk back to my desk. Sorry. I've walked outside.\n\nChannel 0: No. You're totally fine.\n\nChannel 1: Okay.\n\nChannel 0: What I'm looking for, if you can, we've got\n\nChannel 1: I got\n\nChannel 0: two main documents to look at at the moment. You've got a Clearview certificate of currency. Could you open that one up for me?\n\nChannel 1: it. Mhmm.\n\nChannel 0: K. So that's your life insurance disability\n\nChannel 1: Mhmm.\n\nChannel 0: and income protection policy. Now what I wanted to quickly point out on this one was we've just had your anniversary in April. So I've already checked the premiums there. They've come out. It's 3,000 a year, but they've got the 15% rebate.\n\nSo about 2,500 came out of the super a month ago. And we've still got the cover level set at just over half a mil,\n\nChannel 1: Yep.\n\nChannel 0: which\n\nChannel 1: Yep.\n\nChannel 0: basically combines with the super because the mortgage has gone down, say, $15. That's\n\nChannel 1: Mhmm.\n\nChannel 0: pretty much pay off the mortgage, add in your super together, and you're still left with about half 1,000,000 after the mortgage is paid off. I know your circumstance hasn't changed too much since then, but any thoughts on that in terms of if you were to pass away or could never work again?\n\nChannel 1: Yep. That's okay.\n\nChannel 0: Yep. We still got it under smokers' rates. So I'm just wondering if you, by any chance, twelve months nicotine free?\n\nChannel 1: Sorry. Oh, no. I'm still vaping.\n\nChannel 0: No. That's okay. Once we can get you as that sort of twelve month tick mark, they'll remove that and that'll chop it down in half.\n\nChannel 1: Okay.\n\nChannel 0: Alright? Income protection. I wanted to just quickly double check that one with you because, obviously, your income's gone up, but you're still covered based on your other income. So it's 4,900 a month, which after tax caught a thousand dollars a week for expenses.\n\nChannel 1: Well, yeah, maybe that's not enough.\n\nChannel 0: Yep.\n\nChannel 1: But,\n\nChannel 0: Right now.\n\nChannel 1: I mean, if I maybe it would be because that would just oh, that's something if I hurt myself, isn't it?\n\nChannel 0: Yeah. Illness and\n\nChannel 1: What\n\nChannel 0: injury.\n\nChannel 1: is it? Okay. Yeah. Probably would need to be more than that.\n\nChannel 0: Okay. So you can go to a maximum of 6,400 a month based on your new income and 4,900 is what you've currently got. Do you want me to just do a bit of an alteration quote for you\n\nChannel 1: Somewhere\n\nChannel 0: and see\n\nChannel 1: in\n\nChannel 0: what\n\nChannel 1: the middle.\n\nChannel 0: it looks like?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. What would be reasonable for you, do you think? That 50\n\nChannel 1: Maybe.\n\nChannel 0: 500 or something like that?\n\nChannel 1: Yeah. That's what I was thinking.\n\nChannel 0: Yep. Okay. Do a quote for 5,500. I'll do a quote for the maximum just so you can see what it looks like,\n\nChannel 1: Yeah. Sure.\n\nChannel 0: but I'll have another one there for 5,500. And if that's enough for your needs, then we don't need to bump up the premiums too much.\n\nChannel 1: Mhmm.\n\nChannel 0: K. Outside of Clearview, I can do a bit of a hunt around to see if I can find a cheaper provider for you because if you cannot do an increase, they'll still do a couple of underwriting checks to see if you've had any health changes.\n\nChannel 1: Okay.\n\nChannel 0: Has anything\n\nChannel 1: This\n\nChannel 0: happened\n\nChannel 1: is\n\nChannel 0: in, say, the last two years\n\nChannel 1: it.\n\nChannel 0: between April\n\nChannel 1: No.\n\nChannel 0: 2020\n\nChannel 1: No.\n\nChannel 0: four and\n\nChannel 1: Nothing.\n\nChannel 0: now? K. Would you like me to see if I can find a provider that can offer it a little bit cheaper?\n\nChannel 1: Yeah. Sure.\n\nChannel 0: Yeah. I'll I always do a bit of a alteration quote with the current provider, and then I just shoot out a bit of a research request for all the insurers, and I can see if there's a\n\nChannel 1: Okay.\n\nChannel 0: better one out there for you.\n\nChannel 1: Yeah. Why not?\n\nChannel 0: Maybe in another insurer. Okay. So that's perfect. Now the next document to go through, this is the last one, is your HUD 24 performance.\n\nChannel 1: Hi. Yeah? That\n\nChannel 0: And\n\nChannel 1: was\n\nChannel 0: just let me know when you've got that up.\n\nChannel 1: Yep.\n\nChannel 0: So front page, it should be a nice blue table there with all your different figures for your different investment. If you look at the right hand side, that is quite wildly different between all the options this year.\n\nChannel 1: Mhmm. Yes.\n\nChannel 0: You can see a couple of them with brackets around it, which means\n\nChannel 1: Yes.\n\nChannel 0: it's gone down and the\n\nChannel 1: Oh,\n\nChannel 0: ones without\n\nChannel 1: no.\n\nChannel 0: the brackets, the ones that have gone up.\n\nChannel 1: Okay.\n\nChannel 0: K? So what I wanted to kind of point out is the top one, been along Australian shares, that's dropped quite a bit, your Australian shares.\n\nChannel 1: Yeah.\n\nChannel 0: The rest of them in the middle, your other Australian shares, your battery tech, that's like your electric vehicle has gone up 99%. Gold's up 32. American shares up 13 and a half. So pretty much everything's doing really well. Cybersecurity\n\nChannel 1: Yep.\n\nChannel 0: down a tiny bit, but that's you know, we kind of expect to wait for the AI thing to go through before that starts jumping up, but that one option is a little\n\nChannel 1: K.\n\nChannel 0: bit of a concern for me. On the flip side, if you go to page two, it's\n\nChannel 1: Yeah.\n\nChannel 0: got one line on a table,\n\nChannel 1: Oh, yes.\n\nChannel 0: and that's\n\nChannel 1: Total.\n\nChannel 0: your total portfolio. Yep? So on\n\nChannel 1: Yep.\n\nChannel 0: the right, you're still up just over 10% after fee, which\n\nChannel 1: Okay.\n\nChannel 0: again is a bit above the the 9% average rating for for your growth risk profile. So what I want to check with you, Fiona, is last time I spoke to you, we were considering bumping up the growth assets, which is going from, like, a 80% shares in property to maybe a 90% or even putting extra in the super at some point. But\n\nChannel 1: Yes.\n\nChannel 0: it was kind of something that we were going to maybe wait until your cash flow was a little bit free event. And I'm also thinking because the way the market's going at the moment, it's been up and down quite a bit. I don't know if you wanna be taking on more risk right\n\nChannel 1: Yeah. Probably not, to be honest.\n\nChannel 0: now. No. That's cool. So what I can do is when I get those alteration quotes for the insurances, I'm probably just\n\nChannel 1: Mhmm.\n\nChannel 0: gonna do a bit of an engine tune up for the portfolio. Like,\n\nChannel 1: Okay.\n\nChannel 0: overall, it's doing really good, but that one option, I definitely wanna replace that one.\n\nChannel 1: Okay. That sounds good.\n\nChannel 0: Yeah. Do you have a preference? And no wrong answer here. But we can pretty much pick between low fee investments or the higher fee to try and get a higher return. Which way do you kinda lean between the two?\n\nChannel 1: I don't know. I'm not a big risk taker, to be honest.\n\nChannel 0: Yep. Well, it's currently in an active option at the moment, and that's one that I'm kind of gonna replace. And I've got a few options in mind that we've been researching the last couple of months just for the Australian shares. If you want, I can kind of if we wanna lower the risk a little bit, I can kind of put it in a passive option with a bit lower fees, a little bit more slow and steady.\n\nChannel 1: Okay.\n\nChannel 0: It'll still maintain the same 80% growth assets,\n\nChannel 1: Yeah.\n\nChannel 0: but still primarily focusing on new growth, but\n\nChannel 1: Yes.\n\nChannel 0: it's not it's gonna slightly reduce your risk for the same risk level.\n\nChannel 1: Okay. Yeah. That sounds good.\n\nChannel 0: Yep. K. Now given retirement, we've still got a little bit of time up our sleeves. What we're usually thinking is is growing it for at least the next maybe six or seven years and then slowly reducing the risk in those last four to five.\n\nChannel 1: Yes. Yeah. Sounds good.\n\nChannel 0: K? Now just as a reminder from last year as well, when you're more than ten years off from retirement, we just do a ten year projection. But once you hit that ten year mark, we'll start to actually show you whether you're on track for it, how long the money is gonna last, and we can\n\nChannel 1: Mhmm.\n\nChannel 0: kind of get a bit more accurate then as well.\n\nChannel 1: Okay.\n\nChannel 0: Okay? So I can do a bit of a tune up for you. And then what I'll do is I'll put together some quotes and see if there's either a better insurer or just an increase with Clearview. And then I'll put that in a statement of advice document along with a couple of portfolio updates, and\n\nChannel 1: Yep.\n\nChannel 0: then I can\n\nChannel 1: Okay.\n\nChannel 0: walk you through both of those.\n\nChannel 1: Okay. That sounds really good.\n\nChannel 0: Perfect. Any questions on that so far?\n\nChannel 1: Hello?\n\nChannel 0: Alrighty. So what I'm gonna do is I am about to be off in a couple of weeks on some paternity leave. I actually got a daughter coming in June.\n\nChannel 1: Oh, I'm excited.\n\nChannel 0: It is we've got two boys, and this is our girl on the way.\n\nChannel 1: Oh, that's\n\nChannel 0: She's on\n\nChannel 1: really\n\nChannel 0: the\n\nChannel 1: lucky.\n\nChannel 0: June 11.\n\nChannel 1: They're a lot\n\nChannel 0: So\n\nChannel 1: different\n\nChannel 0: we\n\nChannel 1: to\n\nChannel 0: finally\n\nChannel 1: boys.\n\nChannel 0: got\n\nChannel 1: Trust\n\nChannel 0: it.\n\nChannel 1: me.\n\nChannel 0: Yep. I can imagine. And the the boys are very excited to have a younger sister. They're already talking about all the things they're gonna teach you to do and climbing and\n\nChannel 1: Oh\n\nChannel 0: footy\n\nChannel 1: goodness.\n\nChannel 0: and video games.\n\nChannel 1: Few years yet, boys.\n\nChannel 0: Yeah. So what I'm gonna do, if it's okay with you, is I'll get my team to do all that research over the next couple of weeks, and\n\nChannel 1: Yep.\n\nChannel 0: then I'm pretty much gonna book you in for, like, the June just to run through the recommendation.\n\nChannel 1: Yeah. That's fine. No worries.\n\nChannel 0: Perfect. Alrighty. Outside of that, we've got your updated service agreement in there as well. So just\n\nChannel 1: Mhmm.\n\nChannel 0: as a reminder from last year, we've still got the fees haven't changed. It's the 1.65%. Put it up into the different monthly repayments. And when we\n\nChannel 1: Yep.\n\nChannel 0: get you to 600,000, that's when we cap it at a flat fee. Okay?\n\nChannel 1: That's right. Yeah.\n\nChannel 0: Cool. There's also that updated financial services guide there as well just with the licensing details, updated privacy policy, all that kind of thing.\n\nChannel 1: Yeah.\n\nChannel 0: Cool. Now, Fiona, if you're comfortable with the plan so far going forward, would you be able to go through that digital authorization link form?\n\nChannel 1: Yeah. Sure.\n\nChannel 0: Yeah. Now it's a bit different. I don't know if you've actually used that new over time before. A bit different than DocuSign.\n\nChannel 1: Oh, no. I haven't.\n\nChannel 0: So you know how I had those attachments at the bottom of the email?\n\nChannel 1: Yeah.\n\nChannel 0: There's a little bit of a link there to say sign now, but it brings open the service agreement document like a DocuSign that lets you scroll through it.\n\nChannel 1: So you just click on that DocuSign at the top of the email or sign\n\nChannel 0: Yeah.\n\nChannel 1: documents.\n\nChannel 0: That's right.\n\nChannel 1: Sorry.\n\nChannel 0: Yep. And it will bring you into the system.\n\nChannel 1: Oh, yeah.\n\nChannel 0: Yep. So what it lets you do is you can scroll through the document top to bottom. And then\n\nChannel 1: Yep.\n\nChannel 0: when you're ready, you can click the little purple button, then it will pull you to the signature boxes\n\nChannel 1: Oh,\n\nChannel 0: and\n\nChannel 1: yeah.\n\nChannel 0: the date\n\nChannel 1: And\n\nChannel 0: boxes.\n\nChannel 1: sign all. Yep.\n\nChannel 0: Yeah. If you would like, it's usually a bit better if you can obviously, like, draw your signature rather than just stamp it, but\n\nChannel 1: Oh,\n\nChannel 0: stamping\n\nChannel 1: okay.\n\nChannel 0: is okay for our documents. If\n\nChannel 1: Alright.\n\nChannel 0: you actually\n\nChannel 1: Yeah.\n\nChannel 0: click on the signature itself, it'll open a box for you.\n\nChannel 1: Yes. And it's still oh, yeah. It says auto. If I draw it oh god. It's\n\nChannel 0: Yeah.\n\nChannel 1: one\n\nChannel 0: No.\n\nChannel 1: inside\n\nChannel 0: That's a bit awkward. If you wanna stamp it, that's fine for us.\n\nChannel 1: design. That's okay. Yeah. That's alright. And\n\nChannel 0: Oh,\n\nChannel 1: then just\n\nChannel 0: alrighty.\n\nChannel 1: validate? Is that\n\nChannel 0: Yeah. And it'll pop up to ask you if you wanna save a assigned copy for your records as well.\n\nChannel 1: okay. Loading.\n\nChannel 0: No. That's fair enough. I'm just gonna jump into my system as well. That's already come through here. Very green tick, so thank you very much for that.\n\nChannel 1: Yeah. No worries.\n\nChannel 0: Now, Fiona, just to quickly double check with you before I let you go, are there any other questions for me before I send off this research request?\n\nChannel 1: No. Not at all.\n\nChannel 0: K. One thing I wanted to ask you just before I let you go is in terms of contact frequency, we're obviously gonna catch up in June to go through the updates. Do you want\n\nChannel 1: Mhmm.\n\nChannel 0: me to set you up for just the annual review or some quarterly catch ups or six monthly?\n\nChannel 1: In your views, for a fact, that's fine. Because I can just contact\n\nChannel 0: Yep.\n\nChannel 1: you if I need anything, can I?\n\nChannel 0: Yeah. You just call through and the team will book you\n\nChannel 1: Yeah.\n\nChannel 0: in.\n\nChannel 1: Yeah. No worries.\n\nChannel 0: No worries. Well, thank you very much for taking the time today. I will run off and go and do that. And then again, just around the end of financial year, just keep an\n\nChannel 1: Yes.\n\nChannel 0: eye out. We'll give you a call, text, and email just to get you booked in to go through that document with me.\n\nChannel 1: Okay. Thank you very much. Enjoy\n\nChannel 0: Amazing.\n\nChannel 1: your time off.\n\nChannel 0: Have a I will. I will. And I'll talk to you soon. Okay?\n\nChannel 1: Thank you. Bye.\n\nChannel 0: Thank you, Fiona. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.24,"end":0.64,"sentiment":"neutral","sentiment_score":0.026056837290525436},{"text":"Sheila speaking.","start":0.64,"end":1.54,"sentiment":"neutral","sentiment_score":0.05043405294418335}],"sentiment":"neutral","sentiment_score":0.04230831439296404,"channel":1,"num_words":3,"start":0.24,"end":1.54},{"sentences":[{"text":"Good afternoon, Fiona.","start":2.48,"end":3.6,"sentiment":"positive","sentiment_score":0.372204452753067},{"text":"It's Tommy here from OQ Financial.","start":3.6,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.25037595132986706},{"text":"How are you going?","start":5.3599997,"end":6.1,"sentiment":"neutral","sentiment_score":0.25988346338272095}],"sentiment":"neutral","sentiment_score":0.2814156092130221,"channel":0,"num_words":13,"start":2.48,"end":6.1},{"sentences":[{"text":"Yeah.","start":6.24,"end":6.48,"sentiment":"neutral","sentiment_score":0.24184392392635343},{"text":"Good.","start":6.48,"end":6.7999997,"sentiment":"positive","sentiment_score":0.359155535697937},{"text":"Yourself?","start":6.7999997,"end":7.2999997,"sentiment":"neutral","sentiment_score":0.3010255992412567}],"sentiment":"neutral","sentiment_score":0.30067501962184906,"channel":1,"num_words":3,"start":6.24,"end":7.2999997},{"sentences":[{"text":"I'm doing fantastic.","start":8.0,"end":9.139999,"sentiment":"positive","sentiment_score":0.7130928238232931},{"text":"I can't believe it's been almost a year already.","start":9.28,"end":11.38,"sentiment":"neutral","sentiment_score":0.0405405532154772}],"sentiment":"neutral","sentiment_score":0.20867862086743116,"channel":0,"num_words":12,"start":8.0,"end":11.38},{"sentences":[{"text":"Yeah.","start":11.679999,"end":11.92,"sentiment":"neutral","sentiment_score":0.02318793348968029},{"text":"I know.","start":11.92,"end":12.32,"sentiment":"neutral","sentiment_score":-0.01856791228055954},{"text":"Scary.","start":12.32,"end":12.82,"sentiment":"neutral","sentiment_score":-0.1244598850607872}],"sentiment":"neutral","sentiment_score":-0.0346019440330565,"channel":1,"num_words":4,"start":11.679999,"end":12.82},{"sentences":[{"text":"Time's just flying by.","start":13.695001,"end":14.735001,"sentiment":"neutral","sentiment_score":-0.044320919550955296},{"text":"Do you still have time to go through the annual review with me?","start":14.735001,"end":17.795,"sentiment":"neutral","sentiment_score":0.015385094170386974}],"sentiment":"neutral","sentiment_score":0.0013366203536005583,"channel":0,"num_words":17,"start":13.695001,"end":17.795},{"sentences":[{"text":"Yeah.","start":17.675,"end":17.994999,"sentiment":"neutral","sentiment_score":0.07627715170383453},{"text":"Sure.","start":17.994999,"end":18.494999,"sentiment":"neutral","sentiment_score":0.1981537640094757}],"sentiment":"neutral","sentiment_score":0.13721545785665512,"channel":1,"num_words":2,"start":17.675,"end":18.494999},{"sentences":[{"text":"Fantastic.","start":19.535,"end":20.035,"sentiment":"positive","sentiment_score":0.3985048532485962},{"text":"So I'm gonna pop through an annual review pack through to your email from our new 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shares.","start":795.16504,"end":802.625,"sentiment":"neutral","sentiment_score":-0.08009356215596199}],"sentiment":"neutral","sentiment_score":-0.07660522555502561,"channel":0,"num_words":26,"start":794.685,"end":802.625},{"sentences":[{"text":"Yeah.","start":802.35,"end":802.845,"sentiment":"neutral","sentiment_score":0.10018303990364076}],"sentiment":"neutral","sentiment_score":0.10018303990364076,"channel":1,"num_words":1,"start":802.35,"end":802.845},{"sentences":[{"text":"The rest of them in the middle, your other Australian shares, your battery tech, that's like your electric vehicle has gone up 99%.","start":804.28503,"end":812.16,"sentiment":"neutral","sentiment_score":0.23187767195960748},{"text":"Gold's up 32.","start":813.66,"end":815.19995,"sentiment":"neutral","sentiment_score":0.1907175232966741},{"text":"American shares up 13 and a half.","start":815.42,"end":817.5,"sentiment":"neutral","sentiment_score":0.20458420259611948},{"text":"So pretty much everything's doing 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it's","start":832.545,"end":835.86,"sentiment":"neutral","sentiment_score":-0.04958174627443606}],"sentiment":"neutral","sentiment_score":-0.18980294759111369,"channel":0,"num_words":17,"start":828.78503,"end":835.86},{"sentences":[{"text":"Yeah.","start":835.825,"end":836.325,"sentiment":"neutral","sentiment_score":0.010107742622494698}],"sentiment":"neutral","sentiment_score":0.010107742622494698,"channel":1,"num_words":1,"start":835.825,"end":836.325},{"sentences":[{"text":"got one line on a table,","start":835.86,"end":838.04,"sentiment":"neutral","sentiment_score":0.00972767019023498}],"sentiment":"neutral","sentiment_score":0.00972767019023498,"channel":0,"num_words":6,"start":835.86,"end":838.04},{"sentences":[{"text":"Oh, yes.","start":837.825,"end":838.465,"sentiment":"neutral","sentiment_score":0.042130012065172195}],"sentiment":"neutral","sentiment_score":0.042130012065172195,"channel":1,"num_words":2,"start":837.825,"end":838.465},{"sentences":[{"text":"and 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on","start":840.58,"end":841.06,"sentiment":"neutral","sentiment_score":0.05086520314216614}],"sentiment":"neutral","sentiment_score":0.05134207693239053,"channel":0,"num_words":6,"start":838.58,"end":841.06},{"sentences":[{"text":"Yep.","start":840.945,"end":841.2,"sentiment":"neutral","sentiment_score":0.07301856577396393}],"sentiment":"neutral","sentiment_score":0.07301856577396393,"channel":1,"num_words":1,"start":840.945,"end":841.2},{"sentences":[{"text":"the right, you're still up just over 10% after fee, which","start":841.06,"end":845.22003,"sentiment":"neutral","sentiment_score":0.10442115501923994}],"sentiment":"neutral","sentiment_score":0.10442115501923994,"channel":0,"num_words":11,"start":841.06,"end":845.22003},{"sentences":[{"text":"Okay.","start":844.96,"end":845.46,"sentiment":"neutral","sentiment_score":0.012802690267562866}],"sentiment":"neutral","sentiment_score":0.012802690267562866,"channel":1,"num_words":1,"start":844.96,"end":845.46},{"sentences":[{"text":"again is a bit above the the 9% average rating for for your growth risk profile.","start":845.22003,"end":850.84,"sentiment":"neutral","sentiment_score":-0.10637765843421221},{"text":"So what I want to check with you, Fiona, is last time I spoke to you, we were considering bumping up the growth assets, which is going from, like, a 80% shares in property to maybe a 90% or even putting extra in the super at some 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don't know if you wanna be taking on more risk right","start":880.255,"end":882.915,"sentiment":"negative","sentiment_score":-0.39940786858399707}],"sentiment":"neutral","sentiment_score":-0.22412513948299667,"channel":0,"num_words":55,"start":869.74,"end":882.915},{"sentences":[{"text":"Yeah.","start":883.56,"end":883.96,"sentiment":"neutral","sentiment_score":-0.2838553190231323},{"text":"Probably not, to be honest.","start":883.96,"end":885.59503,"sentiment":"negative","sentiment_score":-0.40584932565689086}],"sentiment":"negative","sentiment_score":-0.3855169912179311,"channel":1,"num_words":6,"start":883.56,"end":885.59503},{"sentences":[{"text":"now.","start":886.415,"end":886.57495,"sentiment":"neutral","sentiment_score":-0.2728184759616852},{"text":"No.","start":886.57495,"end":886.815,"sentiment":"neutral","sentiment_score":-0.3061555027961731},{"text":"That's cool.","start":886.815,"end":887.375,"sentiment":"neutral","sentiment_score":-0.09158165007829666},{"text":"So what I can do is when I get those alteration quotes for the insurances, I'm probably just","start":887.375,"end":893.0,"sentiment":"neutral","sentiment_score":0.008435094677325752}],"sentiment":"neutral","sentiment_score":-0.027741162487390367,"channel":0,"num_words":22,"start":886.415,"end":893.0},{"sentences":[{"text":"Mhmm.","start":892.695,"end":893.195,"sentiment":"neutral","sentiment_score":-0.018209410831332207}],"sentiment":"neutral","sentiment_score":-0.018209410831332207,"channel":1,"num_words":1,"start":892.695,"end":893.195},{"sentences":[{"text":"gonna do a bit of an engine tune up for the 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fee investments or the higher fee to try and get a higher return.","start":907.055,"end":914.035,"sentiment":"neutral","sentiment_score":0.1260180331411816},{"text":"Which way do you kinda lean between the two?","start":914.495,"end":916.83496,"sentiment":"neutral","sentiment_score":0.012681015663676791}],"sentiment":"neutral","sentiment_score":0.08737999246251292,"channel":0,"num_words":41,"start":903.4,"end":916.83496},{"sentences":[{"text":"I don't know.","start":918.88495,"end":919.685,"sentiment":"neutral","sentiment_score":-0.22972565392653146},{"text":"I'm not a big risk taker, to be honest.","start":919.685,"end":922.665,"sentiment":"neutral","sentiment_score":-0.2981879810492198}],"sentiment":"neutral","sentiment_score":-0.2810723992685477,"channel":1,"num_words":12,"start":918.88495,"end":922.665},{"sentences":[{"text":"Yep.","start":923.5,"end":924.0,"sentiment":"neutral","sentiment_score":0.03801041096448898},{"text":"Well, it's currently in an active option at the moment, and that's one that I'm kind of gonna replace.","start":925.42,"end":930.86,"sentiment":"neutral","sentiment_score":-0.0007839787837215944},{"text":"And I've got a few options in mind that we've been researching the last couple of months just for the Australian shares.","start":930.86,"end":936.935,"sentiment":"neutral","sentiment_score":0.0747184914282777},{"text":"If you want, I can kind of if we wanna lower the risk a little bit, I can kind of put it in a passive option with a bit lower fees, a little bit more slow and 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not it's gonna slightly reduce your risk for the same risk level.","start":956.29,"end":959.99,"sentiment":"neutral","sentiment_score":0.07138101412699772}],"sentiment":"neutral","sentiment_score":0.07138101412699772,"channel":0,"num_words":13,"start":956.29,"end":959.99},{"sentences":[{"text":"Okay.","start":959.5,"end":960.0,"sentiment":"neutral","sentiment_score":0.24034222960472107},{"text":"Yeah.","start":961.02,"end":961.26,"sentiment":"positive","sentiment_score":0.3498612940311432},{"text":"That sounds good.","start":961.26,"end":962.24,"sentiment":"positive","sentiment_score":0.603502889474233}],"sentiment":"positive","sentiment_score":0.48014243841171267,"channel":1,"num_words":5,"start":959.5,"end":962.24},{"sentences":[{"text":"Yep.","start":963.065,"end":963.565,"sentiment":"neutral","sentiment_score":0.3041616380214691},{"text":"K.","start":963.865,"end":964.185,"sentiment":"neutral","sentiment_score":0.16324356198310852},{"text":"Now given retirement, we've still got a 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in a statement of advice document along with a couple of portfolio updates, and","start":1009.18,"end":1015.5,"sentiment":"neutral","sentiment_score":0.11426268635611785}],"sentiment":"neutral","sentiment_score":0.1040779784191073,"channel":0,"num_words":57,"start":999.585,"end":1015.5},{"sentences":[{"text":"Yep.","start":1015.41003,"end":1015.89,"sentiment":"neutral","sentiment_score":0.10250777006149292}],"sentiment":"neutral","sentiment_score":0.10250777006149292,"channel":1,"num_words":1,"start":1015.41003,"end":1015.89},{"sentences":[{"text":"then I 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a bit awkward.","start":1195.9401,"end":1196.66,"sentiment":"negative","sentiment_score":-0.3569376692175865},{"text":"If you wanna stamp it, that's fine for us.","start":1196.66,"end":1198.84,"sentiment":"neutral","sentiment_score":-0.1752949001060592}],"sentiment":"neutral","sentiment_score":-0.23118498290960604,"channel":0,"num_words":13,"start":1195.9401,"end":1198.84},{"sentences":[{"text":"design.","start":1198.7,"end":1199.1,"sentiment":"neutral","sentiment_score":-0.02594313956797123},{"text":"That's okay.","start":1199.1,"end":1199.84,"sentiment":"neutral","sentiment_score":0.0904640443623066},{"text":"Yeah.","start":1202.7799,"end":1203.1,"sentiment":"neutral","sentiment_score":0.15649986267089844},{"text":"That's 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assigned copy for your records as well.","start":1209.635,"end":1214.535,"sentiment":"neutral","sentiment_score":0.18576322574364512}],"sentiment":"neutral","sentiment_score":0.18272498846054078,"channel":0,"num_words":20,"start":1209.155,"end":1214.535},{"sentences":[{"text":"okay.","start":1214.815,"end":1215.315,"sentiment":"neutral","sentiment_score":0.17043431103229523},{"text":"Loading.","start":1221.375,"end":1221.875,"sentiment":"neutral","sentiment_score":0.1453901380300522}],"sentiment":"neutral","sentiment_score":0.1579122245311737,"channel":1,"num_words":2,"start":1214.815,"end":1221.875},{"sentences":[{"text":"No.","start":1223.4401,"end":1223.6001,"sentiment":"neutral","sentiment_score":0.10455932468175888},{"text":"That's fair enough.","start":1223.6001,"end":1224.3201,"sentiment":"neutral","sentiment_score":0.1805852403243383},{"text":"I'm just gonna jump into my system as 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before I send off this research request?","start":1234.815,"end":1243.315,"sentiment":"neutral","sentiment_score":0.13900082332215138}],"sentiment":"neutral","sentiment_score":0.13900082332215138,"channel":0,"num_words":28,"start":1234.815,"end":1243.315},{"sentences":[{"text":"No.","start":1243.8049,"end":1244.205,"sentiment":"neutral","sentiment_score":-0.052655547857284546},{"text":"Not at all.","start":1244.205,"end":1245.105,"sentiment":"neutral","sentiment_score":-0.016037360454599064}],"sentiment":"neutral","sentiment_score":-0.025191907305270433,"channel":1,"num_words":4,"start":1243.8049,"end":1245.105},{"sentences":[{"text":"K.","start":1246.255,"end":1246.59,"sentiment":"neutral","sentiment_score":0.02616140991449356},{"text":"One thing I wanted to ask you just before I let you go is in terms of contact frequency, we're obviously gonna catch up in June to go through the updates.","start":1246.75,"end":1255.33,"sentiment":"neutral","sentiment_score":0.09853040619242576},{"text":"Do you want","start":1255.63,"end":1256.11,"sentiment":"neutral","sentiment_score":0.053613804280757904}],"sentiment":"neutral","sentiment_score":0.09261272613491331,"channel":0,"num_words":35,"start":1246.255,"end":1256.11},{"sentences":[{"text":"Mhmm.","start":1256.0449,"end":1256.28,"sentiment":"neutral","sentiment_score":0.07125517725944519}],"sentiment":"neutral","sentiment_score":0.07125517725944519,"channel":1,"num_words":1,"start":1256.0449,"end":1256.28},{"sentences":[{"text":"me to set you up for just the annual review or some quarterly catch ups or six monthly?","start":1256.11,"end":1260.85,"sentiment":"neutral","sentiment_score":0.12374815800123745}],"sentiment":"neutral","sentiment_score":0.12374815800123745,"channel":0,"num_words":18,"start":1256.11,"end":1260.85},{"sentences":[{"text":"In your views, for a fact, that's fine.","start":1262.12,"end":1264.28,"sentiment":"neutral","sentiment_score":0.2549172919243574},{"text":"Because I can just contact","start":1264.28,"end":1265.48,"sentiment":"neutral","sentiment_score":0.21152366697788239}],"sentiment":"neutral","sentiment_score":0.23822743617571318,"channel":1,"num_words":13,"start":1262.12,"end":1265.48},{"sentences":[{"text":"Yep.","start":1265.285,"end":1265.785,"sentiment":"neutral","sentiment_score":0.2114170640707016}],"sentiment":"neutral","sentiment_score":0.2114170640707016,"channel":0,"num_words":1,"start":1265.285,"end":1265.785},{"sentences":[{"text":"you if I need anything, can I?","start":1265.48,"end":1267.18,"sentiment":"neutral","sentiment_score":0.22074789234570094}],"sentiment":"neutral","sentiment_score":0.22074789234570094,"channel":1,"num_words":7,"start":1265.48,"end":1267.18},{"sentences":[{"text":"Yeah.","start":1267.925,"end":1268.245,"sentiment":"neutral","sentiment_score":0.1560387909412384},{"text":"You just call through and the team will book you","start":1268.245,"end":1270.165,"sentiment":"neutral","sentiment_score":0.2058965727686882}],"sentiment":"neutral","sentiment_score":0.20136404714801096,"channel":0,"num_words":11,"start":1267.925,"end":1270.165},{"sentences":[{"text":"Yeah.","start":1270.12,"end":1270.62,"sentiment":"neutral","sentiment_score":0.14738167822360992}],"sentiment":"neutral","sentiment_score":0.14738167822360992,"channel":1,"num_words":1,"start":1270.12,"end":1270.62},{"sentences":[{"text":"in.","start":1270.165,"end":1270.665,"sentiment":"neutral","sentiment_score":0.11018803715705872}],"sentiment":"neutral","sentiment_score":0.11018803715705872,"channel":0,"num_words":1,"start":1270.165,"end":1270.665},{"sentences":[{"text":"Yeah.","start":1270.92,"end":1271.3201,"sentiment":"neutral","sentiment_score":0.15206634998321533},{"text":"No worries.","start":1271.3201,"end":1272.015,"sentiment":"neutral","sentiment_score":0.17740890383720398}],"sentiment":"neutral","sentiment_score":0.16896138588587442,"channel":1,"num_words":3,"start":1270.92,"end":1272.015},{"sentences":[{"text":"No worries.","start":1273.38,"end":1273.86,"sentiment":"neutral","sentiment_score":0.11455265805125237},{"text":"Well, thank you very much for taking the time today.","start":1273.86,"end":1276.2001,"sentiment":"positive","sentiment_score":0.8388322591781616},{"text":"I will run off and go and do that.","start":1276.42,"end":1278.5,"sentiment":"positive","sentiment_score":0.4187791910436418},{"text":"And then again, just around the end of financial year, just keep an","start":1278.5,"end":1282.8201,"sentiment":"neutral","sentiment_score":0.12701981858565256}],"sentiment":"positive","sentiment_score":0.4128734784967759,"channel":0,"num_words":34,"start":1273.38,"end":1282.8201},{"sentences":[{"text":"Yes.","start":1282.8151,"end":1283.3151,"sentiment":"neutral","sentiment_score":0.09229683876037598}],"sentiment":"neutral","sentiment_score":0.09229683876037598,"channel":1,"num_words":1,"start":1282.8151,"end":1283.3151},{"sentences":[{"text":"eye out.","start":1282.8201,"end":1283.14,"sentiment":"neutral","sentiment_score":0.2227652743458748},{"text":"We'll give you a call, text, and email just to get you booked in to go through that document with me.","start":1283.14,"end":1287.675,"sentiment":"neutral","sentiment_score":0.28939455038025264}],"sentiment":"neutral","sentiment_score":0.28360070029030676,"channel":0,"num_words":23,"start":1282.8201,"end":1287.675},{"sentences":[{"text":"Okay.","start":1288.11,"end":1288.51,"sentiment":"positive","sentiment_score":0.3763777315616608},{"text":"Thank you very much.","start":1288.51,"end":1289.5469,"sentiment":"positive","sentiment_score":0.79942287504673},{"text":"Enjoy","start":1290.7468,"end":1291.1469,"sentiment":"positive","sentiment_score":0.7831457257270813}],"sentiment":"positive","sentiment_score":0.7262024929126104,"channel":1,"num_words":6,"start":1288.11,"end":1291.1469},{"sentences":[{"text":"Amazing.","start":1290.875,"end":1291.375,"sentiment":"positive","sentiment_score":0.7748860120773315}],"sentiment":"positive","sentiment_score":0.7748860120773315,"channel":0,"num_words":1,"start":1290.875,"end":1291.375},{"sentences":[{"text":"your time off.","start":1291.1469,"end":1291.9669,"sentiment":"positive","sentiment_score":0.673292338848114}],"sentiment":"positive","sentiment_score":0.673292338848114,"channel":1,"num_words":3,"start":1291.1469,"end":1291.9669},{"sentences":[{"text":"Have a I will.","start":1291.515,"end":1293.3551,"sentiment":"neutral","sentiment_score":0.2990725003182888},{"text":"I will.","start":1293.3551,"end":1293.755,"sentiment":"neutral","sentiment_score":0.1616775207221508},{"text":"And I'll talk to you soon.","start":1293.755,"end":1294.7151,"sentiment":"neutral","sentiment_score":0.2303830807407697},{"text":"Okay?","start":1294.7151,"end":1295.2151,"sentiment":"neutral","sentiment_score":0.13918831944465637}],"sentiment":"neutral","sentiment_score":0.23393321896974856,"channel":0,"num_words":13,"start":1291.515,"end":1295.2151},{"sentences":[{"text":"Thank you.","start":1295.5469,"end":1296.2869,"sentiment":"positive","sentiment_score":0.5757962763309479},{"text":"Bye.","start":1296.3469,"end":1296.8469,"sentiment":"neutral","sentiment_score":0.30943357944488525}],"sentiment":"positive","sentiment_score":0.4870087107022603,"channel":1,"num_words":3,"start":1295.5469,"end":1296.8469},{"sentences":[{"text":"Thank you, Fiona.","start":1297.5951,"end":1298.555,"sentiment":"positive","sentiment_score":0.6338646610577902},{"text":"Bye.","start":1298.555,"end":1299.055,"sentiment":"neutral","sentiment_score":-0.12931424379348755}],"sentiment":"positive","sentiment_score":0.4430699348449707,"channel":0,"num_words":4,"start":1297.5951,"end":1299.055}]},"summary":{"result":"success","short":"Representatives from OQ Financial called Fiona to confirm her email address and update her on her annual review and beneficiary nominations and retirement goals. They also discussed the cost of renovating and investing in a child. The customer and agent provided information on their income and insurance coverage, including a retirement plan and income protection policy. They also discussed the customer's income and coverage, including a retirement plan and income protection policy. The agent suggested a quote for maximum coverage based on their income and provided information on their financial services guide and retirement risks. They plan to replace a portfolio option with a lower fee and reduce risk for the next few years, and provided information on their upcoming retirement and daughter's visit. They also discussed scheduling annual or quarterly catch-up calls and reminded the customer to keep an eye out for their email."},"intents":{"segments":[{"text":"Now just before I jump into it, I'm gonna update a few details just to see if there's been any major changes. Anything in particular you're hoping to get out of this review?","start_word":255,"end_word":287,"intents":[{"intent":"Update information and plan","confidence_score":0.000113533984}]},{"text":"We had you looking to buy some land, but you wanted to kind of wait until your son was 18 before Yeah. doing that?","start_word":324,"end_word":347,"intents":[{"intent":"Confirm investment","confidence_score":0.0002738257}]},{"text":"We were gonna update some estate planning, and I think you were gonna put in place, like, a will or a power of attorney, maybe talking Yes. to a solicitor.","start_word":350,"end_word":379,"intents":[{"intent":"Update estate planning","confidence_score":0.8171343}]},{"text":"But I think we updated your beneficiary nominations as well to include To my son.","start_word":397,"end_word":411,"intents":[{"intent":"Update beneficiary nominations","confidence_score":0.9038629}]},{"text":"How is the mortgage going? Have you paid that down Yeah. a bit? Still owe about 200,000. Not too bad. And I'm assuming property values probably jumped up pretty well given what's happened Yeah.","start_word":441,"end_word":474,"intents":[{"intent":"Update property values","confidence_score":0.6825535}]},{"text":"I think we had your cash savings. You had a buffer of about 25,000. Have you Yes.","start_word":544,"end_word":560,"intents":[{"intent":"Update cash savings","confidence_score":0.45062822}]},{"text":"Is it like a set amount that you do every time? $500.","start_word":644,"end_word":655,"intents":[{"intent":"Get information","confidence_score":0.0000017964629}]},{"text":"Just a few small windows. You know? I'm just trying to save every time I save sort of a bulk amount of money, then I do a renovation. Yep.","start_word":976,"end_word":1004,"intents":[{"intent":"Highlight savings and savings","confidence_score":0.000043676246}]},{"text":"If you ever wanna look at some we do a little bit of a child investing every now and then with people just Yeah.","start_word":1172,"end_word":1195,"intents":[{"intent":"Discuss child investing","confidence_score":0.047543958},{"intent":"Discuss child investing","confidence_score":0.31539804}]},{"text":"what I deposit? Yeah.","start_word":1238,"end_word":1241,"intents":[{"intent":"Discuss deposit and interest rate","confidence_score":0.000011241472}]},{"text":"Outside of Clearview, I can do a bit of a hunt around to see if I can find a cheaper provider for you because if you cannot do an increase, they'll still do a couple of underwriting checks to see if you've had any health changes. Okay.","start_word":1946,"end_word":1992,"intents":[{"intent":"Check health changes","confidence_score":0.015288211},{"intent":"Find cheaper provider","confidence_score":0.22391215}]},{"text":"Now the next document to go through, this is the last one, is your HUD 24 performance. Hi.","start_word":2093,"end_word":2110,"intents":[{"intent":"Speculate about hud 24 performance","confidence_score":0.000002006981}]},{"text":"Now the next document to go through, this is the last one, is your HUD 24 performance. Hi. Yeah?","start_word":2093,"end_word":2111,"intents":[{"intent":"Update investment data","confidence_score":0.04033456}]},{"text":"So front page, it should be a nice blue table there with all your different figures for your different investment. If you look at the right hand side, that is quite wildly different between all the options this year.","start_word":2125,"end_word":2163,"intents":[{"intent":"Discuss investment options","confidence_score":0.00027793783}]},{"text":"So front page, it should be a nice blue table there with all your different figures for your different investment. If you look at the right hand side, that is quite wildly different between all the options this year. Mhmm. Yes.","start_word":2125,"end_word":2165,"intents":[{"intent":"Provide blue table","confidence_score":0.0013031334}]},{"text":"The rest of them in the middle, your other Australian shares, your battery tech, that's like your electric vehicle has gone up 99%.","start_word":2225,"end_word":2247,"intents":[{"intent":"Report increase in battery tech","confidence_score":0.00026812608}]},{"text":"So pretty much everything's doing really well.","start_word":2258,"end_word":2264,"intents":[{"intent":"Express excitement about progress","confidence_score":7.1435136e-7}]},{"text":"Cybersecurity Yep.","start_word":2265,"end_word":2266,"intents":[{"intent":"Speculate about security","confidence_score":0.00003951717}]},{"text":"your total portfolio. Yep?","start_word":2330,"end_word":2333,"intents":[{"intent":"Update portfolio information","confidence_score":0.041115467}]},{"text":"Now given retirement, we've still got a little bit of time up our sleeves. What we're usually thinking is is growing it for at least the next maybe six or seven years and then slowly reducing the risk in those last four to five. Yes.","start_word":2704,"end_word":2748,"intents":[{"intent":"Discuss current plans","confidence_score":0.005726046},{"intent":"Discuss future plans","confidence_score":0.17191158}]},{"text":"Now given retirement, we've still got a little bit of time up our sleeves. What we're usually thinking is is growing it for at least the next maybe six or seven years and then slowly reducing the risk in those last four to five. Yes. Yeah.","start_word":2704,"end_word":2749,"intents":[{"intent":"Discuss retirement plans","confidence_score":0.008737807}]},{"text":"Now given retirement, we've still got a little bit of time up our sleeves. What we're usually thinking is is growing it for at least the next maybe six or seven years and then slowly reducing the risk in those last four to five. Yes. Yeah. Sounds good.","start_word":2704,"end_word":2751,"intents":[{"intent":"Explain retirement timeline","confidence_score":0.017319959}]},{"text":"So I can do a bit of a tune up for you. And then what I'll do is I'll put together some quotes and see if there's either a better insurer or just an increase with Clearview. And then I'll put that in a statement of advice document along with a couple of portfolio updates, and Yep. then I can Okay. walk you through both of those. Okay.","start_word":2822,"end_word":2889,"intents":[{"intent":"Provide guidance","confidence_score":0.027150184}]},{"text":"Any questions on that so far? Hello?","start_word":2895,"end_word":2901,"intents":[{"intent":"Offer assistance","confidence_score":0.02851429}]},{"text":"Alrighty.","start_word":2902,"end_word":2902,"intents":[{"intent":"Discuss next steps","confidence_score":0.00049026724}]},{"text":"So what I'm gonna do is I am about to be off in a couple of weeks on some paternity leave.","start_word":2903,"end_word":2923,"intents":[{"intent":"Discuss paternity leave","confidence_score":0.0038516107}]},{"text":"So what I'm gonna do, if it's okay with you, is I'll get my team to do all that research over the next couple of weeks, and Yep. then I'm pretty much gonna book you in for, like, the June just to run through the recommendation. Yeah.","start_word":3014,"end_word":3060,"intents":[{"intent":"Complete research","confidence_score":0.00081194256}]},{"text":"then I'm pretty much gonna book you in for, like, the June just to run through the recommendation. Yeah.","start_word":3042,"end_word":3060,"intents":[{"intent":"Book in","confidence_score":0.0073121553}]},{"text":"Outside of that, we've got your updated service agreement in there as well. So just Mhmm.","start_word":3067,"end_word":3082,"intents":[{"intent":"Update service agreement","confidence_score":0.0665689}]},{"text":"So what it lets you do is you can scroll through the document top to bottom. And then Yep.","start_word":3283,"end_word":3301,"intents":[{"intent":"Navigate document","confidence_score":0.0006362854}]},{"text":"click on the signature itself, it'll open a box for you. Yes.","start_word":3368,"end_word":3379,"intents":[{"intent":"Open box","confidence_score":0.021164581}]},{"text":"And Oh, then just alrighty. validate? Is that Yeah.","start_word":3418,"end_word":3426,"intents":[{"intent":"Request validation","confidence_score":0.00014977349}]},{"text":"Is that Yeah.","start_word":3424,"end_word":3426,"intents":[{"intent":"Validate copy","confidence_score":0.77447903}]},{"text":"me to set you up for just the annual review or some quarterly catch ups or six monthly?","start_word":3547,"end_word":3564,"intents":[{"intent":"Set up quarterly review","confidence_score":0.029015476}]}]},"sentiments":{"segments":[{"text":"Hello? Sheila speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.0436665304005146},{"text":"Good afternoon, Fiona.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.38224223256111145},{"text":"It's Tommy here from OQ Financial. How are you going? Yeah.","start_word":6,"end_word":16,"sentiment":"neutral","sentiment_score":0.25610053539276123},{"text":"Good.","start_word":17,"end_word":17,"sentiment":"positive","sentiment_score":0.359155535697937},{"text":"Yourself?","start_word":18,"end_word":18,"sentiment":"neutral","sentiment_score":0.3010255992412567},{"text":"I'm doing fantastic.","start_word":19,"end_word":21,"sentiment":"positive","sentiment_score":0.707905650138855},{"text":"I can't believe it's been almost a year already. Yeah. I know. Scary. Time's just flying by. Do you still have time to go through the annual review with me? Yeah. Sure.","start_word":22,"end_word":53,"sentiment":"neutral","sentiment_score":0.01140729244798422},{"text":"Fantastic.","start_word":54,"end_word":54,"sentiment":"positive","sentiment_score":0.3985048532485962},{"text":"So I'm gonna pop through an annual review pack through to your email from our new system. Just Mhmm. before I do that, do you remember for security purposes your client password? I think it's my dad's name. No. Yes. That's correct.","start_word":55,"end_word":96,"sentiment":"neutral","sentiment_score":0.09478787332773209},{"text":"Thank you so much for that.","start_word":97,"end_word":102,"sentiment":"positive","sentiment_score":0.5493534207344055},{"text":"That's And okay. are you okay for the call to be recorded? Yeah. Sure. Fantastic. Alright. So I'm gonna pop this through to your Yahoo email address. Will you be able to look on to the documents with me today? Yeah. Sure. Okay. So I'll pop that through. Just to let you know what's coming, we'll get a updated certificate of currency for your ClearView policy and updated performance report, financial services guide, and service agreement as well. So I'll shoot that through to you now. Okay. Now just that should come through your main box. Sometimes the first one from the new system goes through the spam folder, but just let me know if that comes through okay. I just got a sign request. Yep. That's the one. So when you go inside that email, I've attached all of the annual review documents Yes. at the bottom like PDFs. Yeah. Perfect. Now just before I jump into it, I'm gonna update a few details just to see if there's been any major changes. Anything in particular you're hoping to get out of this review? Mhmm. Keep making me money. Yep. That's it. General update and up and up. That's the way Mhmm. it is. Now I'm just gonna quickly check the goals that we put in place last time. We had you looking to buy some land, but you wanted to kind of wait until your son was 18 before Yeah. doing that? Yep. Correct.","start_word":103,"end_word":348,"sentiment":"neutral","sentiment_score":0.07760728317184176},{"text":"Perfect.","start_word":349,"end_word":349,"sentiment":"positive","sentiment_score":0.6016400456428528},{"text":"We were gonna update some estate planning, and I think you were gonna put in place, like, a will or a power of attorney, maybe talking Yes. to a solicitor. Eleven donuts. No. That's fine. That's your your yearly reminder to try and get Yep. that sorted. But I think we updated your beneficiary nominations as well to include To my son. I think Yeah. I I did do that. yep.","start_word":350,"end_word":420,"sentiment":"neutral","sentiment_score":0.15493713319301605},{"text":"That's perfect. We've got a pretty pretty modest retirement goal at $65,800 a week with Mhmm.","start_word":421,"end_word":436,"sentiment":"positive","sentiment_score":0.4638486802577973},{"text":"the mortgage paid off. How is the mortgage going? Have you paid that down Yeah. a bit? Still owe about 200,000. Not too bad. And I'm assuming property values probably jumped up pretty well given what's happened Yeah. to the It's markets about recently. 1.2 at the moment. 1.2, you've got to be kidding me. No. That's sensational. Yeah. It's Okay. it's I'll just update insane. that. That well, that's where the house is in the street similar to mine is selling for, and That's some aren't even fantastic. as nice. Outside of that for assets, we had the work car, the motorbike, and some savings. Yes. I think we had your cash savings. You had a buffer of about 25,000. Have you Yes. been managing to Still build about that up? that. Yeah. No. Yep. It's about the same. I was gonna ask you, how are you going with all the cost of living and interest rate changes? Yeah. It doesn't matter how much I make. I spend it. I No. got I That's I did always get a fun. promotion, and I've I do make more money now, but I seem to I put actually extra money on my house every month. Yeah.","start_word":437,"end_word":641,"sentiment":"neutral","sentiment_score":0.02021217532455921},{"text":"Nice.","start_word":642,"end_word":642,"sentiment":"positive","sentiment_score":0.4199812412261963},{"text":"Is it like a set amount that you do every time? $500. Or Every month, I five pay extra 100 on thousand. my mortgage.","start_word":643,"end_word":666,"sentiment":"neutral","sentiment_score":0.02103040926158428},{"text":"That is fantastic. And I did notice the promotion too.","start_word":667,"end_word":676,"sentiment":"positive","sentiment_score":0.5447779893875122},{"text":"I watched your contribution jump up from about $8.72 a month to over 1,100.","start_word":677,"end_word":690,"sentiment":"neutral","sentiment_score":0.2315443903207779},{"text":"Yes. So that's fantastic.","start_word":691,"end_word":694,"sentiment":"positive","sentiment_score":0.5659956932067871},{"text":"Would you be on I think last income we had 91,000. Would you be on about 110 now? Or Yeah. Correct.","start_word":695,"end_word":715,"sentiment":"neutral","sentiment_score":0.08150632679462433},{"text":"Fantastic.","start_word":716,"end_word":716,"sentiment":"positive","sentiment_score":0.5212805271148682},{"text":"And like you said, there's always something to eat it up, but it's good to get the extra Electricity, repayments going. food. Yeah. It just disappears. Yep. Fuel And I've as been well. renovating, so all the money I did save, I've just spent I've just spent about $8,000 on my house renovating. Oh, wow. Okay. Where did you get done? We've built in one of the double garages and have turned it into, I guess, a games room, man cave as such. New flooring, Cool. paint, ceiling.","start_word":717,"end_word":804,"sentiment":"neutral","sentiment_score":0.1022140234708786},{"text":"Amazing.","start_word":805,"end_word":805,"sentiment":"positive","sentiment_score":0.3591306209564209},{"text":"Anything else to renovate on there now? I wanna put concrete out under the back patio and rip all the pavers up. So there'll still be a few more things, but not straight away. Yeah. Cool. So just over the next, what, twelve to twenty four months? Yeah. Definitely. Cool. Do you have a bit of a costing for that? I know material has gone up quite a bit. I think the concrete's about, I'd say, about $10. I think the concrete is about 8 and then paint, you know, little things that'll add up. Mhmm. Yep. So I know I'm approximately currently building a deck, so okay. I know exactly Yeah. what I understand. we're going through. We ended up doing a pavers at the back exactly what you were just saying. We ripped up all the pavers and put a patio out there, and that was these charcoal pavers. It Mhmm. was $20 all up. Yeah. Crazy. Hey. Absolutely. Anything else on the cards for you guys? Just a few small windows. You know? I'm just trying to save every time I save sort of a bulk amount of money, then I do a renovation. Yep. No. That's fair enough. Build it up a bit. Spend a bit. Build it up. Spend a bit. Yeah. But as long as you've got that cash buffer I'm there, it trying should to be yeah.","start_word":806,"end_word":1039,"sentiment":"neutral","sentiment_score":0.016300048472152814},{"text":"nice I places.","start_word":1040,"end_word":1042,"sentiment":"positive","sentiment_score":0.3643402457237244},{"text":"always try and keep it around the 25,000. Yep.","start_word":1043,"end_word":1051,"sentiment":"neutral","sentiment_score":0.17036111652851105},{"text":"Just, you know, Fantastic. never Yeah. Runny day fund's good in this know.","start_word":1052,"end_word":1064,"sentiment":"positive","sentiment_score":0.41624540090560913},{"text":"economy. That's for sure. Yeah. And I did do you have get a change extra in savings, your actually. oh, Sorry. yep. I've got about $1,415,000 in another account for my son to buy a car when he's older. So it kinda Oh, sensational. I don't sort of think about that. I just sort of did it in this you know? So there is more money in the backup plan, but Yeah. it's kind of you'll need $20 to buy a car in a few years. That's Amazing. my theory. And he wouldn't be 18 for another, what, seven years or so? Correct. Okay. Yeah. Well, look. If you ever wanna look at some we do a little bit of a child investing every now and then with people just Yeah. to get I've things got going it in a one little of those bit quicker. accounts, like, through the bank. If I don't touch it every month, they give me a big lump sum of money on Oh, that's top of perfect. what I deposit? Yeah. I've set it up. And you don't pay tax on kids' money? Oh, amazing. That's Yeah.","start_word":1065,"end_word":1257,"sentiment":"neutral","sentiment_score":0.07469147443771362},{"text":"going pretty good.","start_word":1258,"end_word":1260,"sentiment":"positive","sentiment_score":0.3635151982307434},{"text":"Do you put Mhmm. aside, like, a set amount into their order type? And I put $20 a month and the bank gives me 40 because it's built up so much now. right.","start_word":1261,"end_word":1293,"sentiment":"neutral","sentiment_score":0.07374104857444763},{"text":"Amazing.","start_word":1294,"end_word":1294,"sentiment":"positive","sentiment_score":0.4159720540046692},{"text":"I just wanna note that down on your file.","start_word":1295,"end_word":1303,"sentiment":"neutral","sentiment_score":0.229224756360054},{"text":"That's so cool. Okay. Well, he'll be very grateful. I'm sure.","start_word":1304,"end_word":1314,"sentiment":"positive","sentiment_score":0.6732444167137146},{"text":"Hope so. Yes. Absolutely. I think we still had you as a single marital status. Is that right? Correct. Yep. And no other loans or anything that have popped up? No. Amazing. Just doing everything I've bought from some savings actually, and capital. there is I bought a solar battery box and replaced the solar on my roof. I am paying Oh, that yeah. off Yep. monthly. So top of my head, $400 a month Yep. No. That's cool. Goes out for the new solar and the battery lock. Solar and battery box. That'd be a good long Yes. term investment for you. Yes. Correct. Alright. So that's all looking pretty up to date. No changes in your I think we've still got your Millwood Street address Correct. wise. Yep. Mhmm. Phone and email are still the same. Yep.","start_word":1315,"end_word":1453,"sentiment":"neutral","sentiment_score":0.11482816189527512},{"text":"That's all looking perfect.","start_word":1454,"end_word":1457,"sentiment":"positive","sentiment_score":0.3630746901035309},{"text":"Alright. Now do you still have that email open? Yes. I'll just walk back to my desk. Sorry. I've walked outside. No. You're totally fine. Okay. What I'm looking for, if you can, we've got I got two main documents to look at at the moment. You've got a Clearview certificate of currency. Could you open that one up for me? it. Mhmm. K. So that's your life insurance disability Mhmm. and income protection policy. Now what I wanted to quickly point out on this one was we've just had your anniversary in April. So I've already checked the premiums there. They've come out. It's 3,000 a year, but they've got the 15% rebate. So about 2,500 came out of the super a month ago. And we've still got the cover level set at just over half a mil, Yep. which Yep. basically combines with the super because the mortgage has gone down, say, $15. That's Mhmm. pretty much pay off the mortgage, add in your super together, and you're still left with about half 1,000,000 after the mortgage is paid off. I know your circumstance hasn't changed too much since then, but any thoughts on that in terms of if you were to pass away or could never work again? Yep. That's okay. Yep. We still got it under smokers' rates. So I'm just wondering if you, by any chance, twelve months nicotine free? Sorry. Oh, no. I'm still vaping. No. That's okay. Once we can get you as that sort of twelve month tick mark, they'll remove that and that'll chop it down in half. Okay. Alright? Income protection. I wanted to just quickly double check that one with you because, obviously, your income's gone up, but you're still covered based on your other income. So it's 4,900 a month, which after tax caught a thousand dollars a week for expenses. Well, yeah, maybe that's not enough. Yep. But, Right now. I mean, if I maybe it would be because that would just oh, that's something if I hurt myself, isn't it? Yeah. Illness and What injury. is it? Okay. Yeah. Probably would need to be more than that. Okay. So you can go to a maximum of 6,400 a month based on your new income and 4,900 is what you've currently got. Do you want me to just do a bit of an alteration quote for you Somewhere and see in what the middle. it looks like? Yeah. Yep. What would be reasonable for you, do you think? That 50 Maybe. 500 or something like that? Yeah. That's what I was thinking. Yep. Okay. Do a quote for 5,500. I'll do a quote for the maximum just so you can see what it looks like, Yeah. Sure. but I'll have another one there for 5,500. And if that's enough for your needs, then we don't need to bump up the premiums too much. Mhmm. K. Outside of Clearview, I can do a bit of a hunt around to see if I can find a cheaper provider for you because if you cannot do an increase, they'll still do a couple of underwriting checks to see if you've had any health changes. Okay. Has anything This happened is in, say, the last two years it. between April No. 2020 No. four and Nothing. now? K. Would you like me to see if I can find a provider that can offer it a little bit cheaper? Yeah. Sure. Yeah. I'll I always do a bit of a alteration quote with the current provider, and then I just shoot out a bit of a research request for all the insurers, and I can see if there's a Okay. better one out there for you. Yeah. Why not? Maybe in another insurer. Okay.","start_word":1458,"end_word":2089,"sentiment":"neutral","sentiment_score":-0.004415086488227678},{"text":"So that's perfect.","start_word":2090,"end_word":2092,"sentiment":"positive","sentiment_score":0.6943988800048828},{"text":"Now the next document to go through, this is the last one, is your HUD 24 performance. Hi. Yeah? That And was just let me know when you've got that up. Yep. So front page, it should be a nice blue table there with all your different figures for your different investment. If you look at the right hand side, that is quite wildly different between all the options this year. Mhmm. Yes. You can see a couple of them with brackets around it, which means Yes. it's gone down and the Oh, ones without no. the brackets, the ones that have gone up. Okay. K? So what I wanted to kind of point out is the top one, been along Australian shares, that's dropped quite a bit, your Australian shares. Yeah. The rest of them in the middle, your other Australian shares, your battery tech, that's like your electric vehicle has gone up 99%. Gold's up 32. American shares up 13 and a half.","start_word":2093,"end_word":2257,"sentiment":"neutral","sentiment_score":0.09274117648601532},{"text":"So pretty much everything's doing really well.","start_word":2258,"end_word":2264,"sentiment":"positive","sentiment_score":0.5319478511810303},{"text":"Cybersecurity Yep. down a tiny bit, but that's you know, we kind of expect to wait for the AI thing to go through before that starts jumping up, but that one option is a little K.","start_word":2265,"end_word":2300,"sentiment":"neutral","sentiment_score":-0.20141528960731295},{"text":"bit of a concern for me.","start_word":2301,"end_word":2306,"sentiment":"negative","sentiment_score":-0.4465433359146118},{"text":"On the flip side, if you go to page two, it's Yeah. got one line on a table, Oh, yes. and that's Total. your total portfolio. Yep? So on Yep. the right, you're still up just over 10% after fee, which Okay. again is a bit above the the 9% average rating for for your growth risk profile. So what I want to check with you, Fiona, is last time I spoke to you, we were considering bumping up the growth assets, which is going from, like, a 80% shares in property to maybe a 90% or even putting extra in the super at some point. But Yes. it was kind of something that we were going to maybe wait until your cash flow was a little bit free event. And I'm also thinking because the way the market's going at the moment, it's been up and down quite a bit.","start_word":2307,"end_word":2457,"sentiment":"neutral","sentiment_score":-0.028652621433138847},{"text":"I don't know if you wanna be taking on more risk right Yeah. Probably not, to be honest.","start_word":2458,"end_word":2475,"sentiment":"negative","sentiment_score":-0.3906290531158447},{"text":"now. No. That's cool. So what I can do is when I get those alteration quotes for the insurances, I'm probably just Mhmm. gonna do a bit of an engine tune up for the portfolio. Like, Okay. overall, it's doing really good, but that one option, I definitely wanna replace that one. Okay.","start_word":2476,"end_word":2528,"sentiment":"neutral","sentiment_score":-0.004951188340783119},{"text":"That sounds good.","start_word":2529,"end_word":2531,"sentiment":"positive","sentiment_score":0.3577170968055725},{"text":"Yeah. Do you have a preference? And no wrong answer here. But we can pretty much pick between low fee investments or the higher fee to try and get a higher return. Which way do you kinda lean between the two? I don't know. I'm not a big risk taker, to be honest. Yep. Well, it's currently in an active option at the moment, and that's one that I'm kind of gonna replace. And I've got a few options in mind that we've been researching the last couple of months just for the Australian shares. If you want, I can kind of if we wanna lower the risk a little bit, I can kind of put it in a passive option with a bit lower fees, a little bit more slow and steady. Okay. It'll still maintain the same 80% growth assets, Yeah. but still primarily focusing on new growth, but Yes. it's not it's gonna slightly reduce your risk for the same risk level. Okay.","start_word":2532,"end_word":2697,"sentiment":"neutral","sentiment_score":0.04541832894221487},{"text":"Yeah. That sounds good.","start_word":2698,"end_word":2701,"sentiment":"positive","sentiment_score":0.5197487473487854},{"text":"Yep. K. Now given retirement, we've still got a little bit of time up our sleeves. What we're usually thinking is is growing it for at least the next maybe six or seven years and then slowly reducing the risk in those last four to five. Yes. Yeah.","start_word":2702,"end_word":2749,"sentiment":"neutral","sentiment_score":0.15211839973926544},{"text":"Sounds good.","start_word":2750,"end_word":2751,"sentiment":"positive","sentiment_score":0.4664963185787201},{"text":"K? Now just as a reminder from last year as well, when you're more than ten years off from retirement, we just do a ten year projection. But once you hit that ten year mark, we'll start to actually show you whether you're on track for it, how long the money is gonna last, and we can Mhmm. kind of get a bit more accurate then as well. Okay. Okay? So I can do a bit of a tune up for you. And then what I'll do is I'll put together some quotes and see if there's either a better insurer or just an increase with Clearview. And then I'll put that in a statement of advice document along with a couple of portfolio updates, and Yep. then I can Okay. walk you through both of those.","start_word":2752,"end_word":2888,"sentiment":"neutral","sentiment_score":0.0946379005908966},{"text":"Okay. That sounds really good. Perfect.","start_word":2889,"end_word":2894,"sentiment":"positive","sentiment_score":0.599311113357544},{"text":"Any questions on that so far? Hello? Alrighty. So what I'm gonna do is I am about to be off in a couple of weeks on some paternity leave. I actually got a daughter coming in June.","start_word":2895,"end_word":2931,"sentiment":"neutral","sentiment_score":0.1475696861743927},{"text":"Oh, I'm excited. It is we've got two boys, and this is our girl on the way. Oh, that's She's on really the lucky.","start_word":2932,"end_word":2955,"sentiment":"positive","sentiment_score":0.5421029105782509},{"text":"June 11. They're a lot So different we to finally boys. got Trust it. me. Yep.","start_word":2956,"end_word":2971,"sentiment":"neutral","sentiment_score":0.29468443989753723},{"text":"I can imagine. And the the boys are very excited to have a younger sister. They're already talking about all the things they're gonna teach you to do and climbing and Oh footy goodness.","start_word":2972,"end_word":3005,"sentiment":"positive","sentiment_score":0.5690129399299622},{"text":"and video games. Few years yet, boys. Yeah. So what I'm gonna do, if it's okay with you, is I'll get my team to do all that research over the next couple of weeks, and Yep. then I'm pretty much gonna book you in for, like, the June just to run through the recommendation. Yeah. That's fine. No worries.","start_word":3006,"end_word":3064,"sentiment":"neutral","sentiment_score":0.19622685015201569},{"text":"Perfect.","start_word":3065,"end_word":3065,"sentiment":"positive","sentiment_score":0.5025315284729004},{"text":"Alrighty. Outside of that, we've got your updated service agreement in there as well. So just Mhmm. as a reminder from last year, we've still got the fees haven't changed. It's the 1.65%. Put it up into the different monthly repayments. And when we Yep. get you to 600,000, that's when we cap it at a flat fee. Okay? That's right. Yeah. Cool. There's also that updated financial services guide there as well just with the licensing details, updated privacy policy, all that kind of thing. Yeah. Cool. Now, Fiona, if you're comfortable with the plan so far going forward, would you be able to go through that digital authorization link form? Yeah. Sure. Yeah. Now it's a bit different. I don't know if you've actually used that new over time before. A bit different than DocuSign. Oh, no. I haven't. So you know how I had those attachments at the bottom of the email? Yeah. There's a little bit of a link there to say sign now, but it brings open the service agreement document like a DocuSign that lets you scroll through it. So you just click on that DocuSign at the top of the email or sign Yeah. documents. That's right. Sorry. Yep. And it will bring you into the system. Oh, yeah. Yep. So what it lets you do is you can scroll through the document top to bottom. And then Yep. when you're ready, you can click the little purple button, then it will pull you to the signature boxes Oh, and yeah. the date And boxes. sign all. Yep. Yeah. If you would like, it's usually a bit better if you can obviously, like, draw your signature rather than just stamp it, but Oh, stamping okay. is okay for our documents. If Alright. you actually Yeah. click on the signature itself, it'll open a box for you. Yes. And it's still oh, yeah. It says auto. If I draw it oh god. It's Yeah. one No. inside That's a bit awkward. If you wanna stamp it, that's fine for us. design. That's okay. Yeah. That's alright. And Oh, then just alrighty. validate? Is that Yeah. And it'll pop up to ask you if you wanna save a assigned copy for your records as well. okay. Loading. No. That's fair enough. I'm just gonna jump into my system as well.","start_word":3066,"end_word":3460,"sentiment":"neutral","sentiment_score":0.06500459713271901},{"text":"That's already come through here. Very green tick, so thank you very much for that.","start_word":3461,"end_word":3475,"sentiment":"positive","sentiment_score":0.5841063261032104},{"text":"Yeah. No worries. Now, Fiona, just to quickly double check with you before I let you go, are there any other questions for me before I send off this research request? No. Not at all. K. One thing I wanted to ask you just before I let you go is in terms of contact frequency, we're obviously gonna catch up in June to go through the updates. Do you want Mhmm. me to set you up for just the annual review or some quarterly catch ups or six monthly? In your views, for a fact, that's fine. Because I can just contact Yep. you if I need anything, can I? Yeah. You just call through and the team will book you Yeah. in. Yeah. No worries. No worries.","start_word":3476,"end_word":3603,"sentiment":"neutral","sentiment_score":0.14615635573863983},{"text":"Well, thank you very much for taking the time today. I will run off and go and do that.","start_word":3604,"end_word":3622,"sentiment":"positive","sentiment_score":0.6335024833679199},{"text":"And then again, just around the end of financial year, just keep an Yes. eye out. We'll give you a call, text, and email just to get you booked in to go through that document with me.","start_word":3623,"end_word":3659,"sentiment":"neutral","sentiment_score":0.21810251474380493},{"text":"Okay. Thank you very much. Enjoy Amazing. your time off.","start_word":3660,"end_word":3669,"sentiment":"positive","sentiment_score":0.6950414180755615},{"text":"Have a I will. I will. And I'll talk to you soon. Okay?","start_word":3670,"end_word":3682,"sentiment":"neutral","sentiment_score":0.22363853454589844},{"text":"Thank you.","start_word":3683,"end_word":3684,"sentiment":"positive","sentiment_score":0.5746073722839355},{"text":"Bye.","start_word":3685,"end_word":3685,"sentiment":"neutral","sentiment_score":0.30943357944488525},{"text":"Thank you, Fiona. Bye.","start_word":3686,"end_word":3689,"sentiment":"positive","sentiment_score":0.5350174307823181}],"average":{"sentiment":"neutral","sentiment_score":0.08619882191756527}}}}