{"metadata":{"transaction_key":"deprecated","request_id":"019f5f80-7f8e-7d30-8df2-744fa43101d9","sha256":"0b7b78934a94086ee886ba6dbc48221c96bf8b79a3d6f107e3a4e51a1f7b2136","created":"2026-07-14T07:21:27.858Z","duration":955.22394,"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":3334,"output_tokens":101},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3623,"output_tokens":3631},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3623,"output_tokens":270}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Kieran. This is Dana from Oak hi, Kieran. It's Dana from Oakley Financial. How are you this afternoon? I'm very well. Thank you, Kieran. I had you booked in to go through your annual review this afternoon. Isn't that still a good time? Yeah. No. All all good. I can hear you perfectly fine. I do normally send you an email with some annual review documents there. Are you able to look at your emails? If you can't, that's absolutely fine. That's okay. Not an issue at all. What I'll do is I'll send the documents through for you to have a bit of a gander later on when you've got some time there. In the meantime, I'll just take you through the documents, let you know what we've got. We'll have a bit of a chat about where things are, what's happening with you super, and look at whatever new goals you might have as well. How does that sound? Fantastic. Kieran, before I jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just a little quick security check there with you. I just need to confirm your full name, your date of birth, and address I should have on file. Yep. Fantastic. Thank you so much for that. So I'm sure you're keen to have a bit of a look at what your super has been doing there for you. But is there anything else you wanted me to sort of touch touch on, any questions you have have for me today as part of your review? Sorry. Pay into super? Oh, look. Honestly, I understand. But, no, this is something I definitely wanna have a chat to you about. And I've been seeing your superannuation, having a bit of look at your investments as well, and I've sort of determined we might be able to provide some advice. So we'll have a bit of a chat about what that looks like, what you're comfortable with, how your suit is being going. And, yeah, as I said, I've got some advice I can provide for you to update, a, your in investments within your super there, but we can also look at what contributions can do to help you moving forward as well. Okay? Beautiful. Now just to sort of touch base on your last annual review you completed with us, your balance then was about 121,590 As of the July 6, so last week when we completed the documents, your balance then has gone up to 129,981. So you have seen an increase in your super over the last a bit over twelve months there. Just going to get your balance as of today's date for you as well because these documents were being prepared. So Marcus have had a little bit of a pullback. So your balance today is about 128,895. So a little bit of a pullback in the market there. Okay? With your performance, now all of your investments have performed fairly well. I can see one investment in there that's underperforming a little bit as Australian bet along Australian equities investment. That one there has been dragging your portfolio back a little bit where everything else is kind of performing very nicely. As a whole, when you consider the total portfolio net of fees, you're up by 8.18%. So in all honesty, even though that one investment has sort of held your portfolio back a little bit, you've still made a decent return, and you've made over $12,000 in the last twelve months in growth and earnings. So it is really good your portfolio has still been growing even without those additional contributions there, but certainly making additional contributions could definitely help moving forward for you as well. Okay? All good. Karen, can you hear sorry. Can you hear me okay? Yeah. That's exactly right. Yeah. So at the moment with your insurance policy, you have your life, your TPD, and your income protection there. So your life and TPD, your sum insured is $374,007.28, and you currently have an income protection policy with a monthly benefit of 12,168. The total the insurances were paid for from your super for this is $6,394.09. So your insurance premiums are very high, and they do come out of your super, and that does have an effect on the return as well. Yeah. Yeah. It's more to do with your income protection. So life and TPD, whilst you are on a level premium, which can make it a bit more expensive, you're actually the income protection is about 90% of your insurance cost essentially because income protection is the first thing we claim on. With your income protection benefit, it has a monthly benefit pretax of $12,168. So having a look, we might be able to look at maybe reducing or altering that insurance policy to kind of make it more cost effective for you. But just to sort of make sure with income protection, you can be covered, I have to double check on this policy because it's older. But, normally, it's about 70 to 75% of your pretax income, and it pays in a monthly benefit if you're unable to go to work due to illness or injury. Just double checking. Income wise, you're a site manager, and you're self employed. Is that right? Yeah. We had you earning about a 100,000 last financial year. Are you expecting to be able to earn the same amount this year? Yeah. No. That's okay. All good. So, look, I have to double check the policy. But, realistically, just general wise, if this policy is old enough that you can be covered for up to 75% of your current income, based on a 100,000 there, probably twelve months, it means that the monthly benefit claimable, you'd be able to claim up to $6,250. So it looks like you might be over insured with the income protection benefit. Would you like me to go back and readjust the income protection so that it just covers what you're able to claim based on your income and try to reduce the cost a little bit for you? 65. Yeah. Yes. So we can we can maneuver and alter the monthly benefit without changing the waiting period or the benefit period. With this one here, you have a ninety day waiting period, so that means you just have to be off work for ninety days prior to making a claim. And with an age 65 benefit period means you can be on a claim up to the age of 65. Yeah. All good. That's okay. And you're you're happy that you're earning about a 100,000 per annum, and that would be fairly accurate? Yeah. So gross. Yeah. Yeah. Did you want me to? Yeah. Okay. Estimate. Yep. That'd be fantastic. What I'll do is I'll get my admin team member to give you a call probably in about a week just to get the updated figure if that's possible. Because I'll go back and review your b to life policy. It is a much older policy, and I'll find out what the maximum you can be covered for under that policy is. And when I get an updated estimate of your income, I'll look to maybe reduce the policy back so you're getting you're able to claim on the maximum benefit, but that we can hopefully reduce the cost a little bit as well so less money is being deducted out of your super. Does that sound okay? Beautiful. Beautiful. Now with your life and TBD, life cover obviously pays out a lump sum benefit to your beneficiaries in the event that you do pass away there. I never want that to happen to you, Karen, but with the current cover you have of 374,728 plus your super benefit is paid out on top of that to your beneficiaries. It currently, as a total, gives you a life benefit of a a bit over $504,000. Are you fairly comfortable with the amount of life cover you have at the moment? No. I can see that. Yeah. So you are renting now. Is that right? Yeah. Well, honestly, you could, but the other side of it is what did what happens, you know, if you were to pass away, what is it that you want to have paid out? Because you made mention to me that you do have some kids. And, obviously, they, you know, have them sort of seven days every fortnight, sort of fifty fifty split with your ex. But does that like, in the event of you passing away, did you want maybe her to get some funds to keep looking after your kids to allow them for schooling, or did you wanna maybe have the money paid to the kids directly to give them some sort of starting benefit in the future? What would you want to happen to that money if you passed away? Yeah. Absolutely. How old are the kids now? Beautiful. So, realistically, with your life insurance now and you absolutely can. I'm just having a look at looks like you don't have beneficiaries nominated, so it is something I do wanna touch on. But because all of your kids are under the age of 18, in the event of you passing away, the benefit, whilst can be paid to them directly, always does get paid to their guardian. So it means if your ex is their guardian, that's the money you get paid to, and it's up to her to distribute the funds. Alternatively, you can apply a beneficiary nomination. It's called legal personal representative, and it means that in the event that you pass away, your super and your life insurance is paid to your estate. You then just need to make sure you have a will up to date, which nominates your children as the beneficiary, and you can have the money put into, like, a testamentary trust, noting maybe someone you trust to be the executor or the trustee of that trust, and that money can be held and sort of paid out or distributed to the kids as you prefer. That way, they receive the funds, and it can be used to help schooling. It gives you a lot more control. Does that make sense? Absolutely. I mean, I've got three kids myself, and the last thing I would want is in any, you know, any case for them to be unable to, you know, cover the cost of schooling or have a bit of a head start. I mean, at the end of the day, if anything happened, they'd be losing a parent, and that would be a huge, huge cost to them. You know, a lot of kids do have trouble coming back from that, and so leaving them something isn't a bad thing at all. You could have it equally shared up between the three kids. You know, having that trust and doing it all through your will does give you a lot more control. I can safely tell you I'm a person of divorce as well. So my older kids were to my ex husband, and I had to set my estate planning up that way as well to make sure that my ex got no money and that it all did get distributed to my children. And it just provides you with a lot more say around what happens to the funds and making sure it does go to your kids. So it is a great way to do so. You can set up a a will very simply by speaking to a local solicitor. We can always send you the information of a local solicitor here that we can refer you through to. Or if you contact all the states have, like, local trustees and state offices that can help with that wheel very cheaply, I can find that information to email it to you if you like. This is a bit of a an idea of what else what else is out there and how much it might cost to drive a wheel. Are you there, Karen? Lucy? Sorry. I drop I must have dropped out. I do apologize. That's okay. Did you catch all that? Did I drop out before the end of that? Sorry. Absolutely. Yeah. Yep. You're hap you got me to do that for you? Yeah. Absolutely. I'll email some information through on a bit of a top up around the estate planning side of things and drawing for will and, you know, how that can provide a bit of a benefit for you to have a look at some costing as well so you can sort of see and weigh up your options and how you'd like to do that. Okay? Beautiful. Now the other thing you do have here insurance wise is TBD. So you have the same level of cover as your life insurance, so $374,007.28 TPD, in the event of you being unable to go back to work again, would have to sort of cover income expenditure and keep you living as long as you can. You can, with TPD, also claim on your super as well. So, again, it gives you just over $500,000 of cover between the insurance and your super benefit. Are you fairly comfortable with that level? Did you wanna look at reviewing that all? Karen, did I lose you again? Hello, Karen? Can you hear me? Hello, Karen? Can you hear me at all? Hello, Kieran. 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Kieran. This is Dana from Oak hi, Kieran. It's Dana from Oakley Financial. How are you this afternoon? I'm very well.\n\nThank you, Kieran. I had you booked in to go through your annual review this afternoon. Isn't that still a good time? Yeah. No.\n\nAll all good. I can hear you perfectly fine. I do normally send you an email with some annual review documents there. Are you able to look at your emails? If you can't, that's absolutely fine.\n\nThat's okay. Not an issue at all. What I'll do is I'll send the documents through for you to have a bit of a gander later on when you've got some time there. In the meantime, I'll just take you through the documents, let you know what we've got. We'll have a bit of a chat about where things are, what's happening with you super, and look at whatever new goals you might have as well.\n\nHow does that sound? Fantastic. Kieran, before I jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic.\n\nAnd just a little quick security check there with you. I just need to confirm your full name, your date of birth, and address I should have on file. Yep. Fantastic. Thank you so much for that.\n\nSo I'm sure you're keen to have a bit of a look at what your super has been doing there for you. But is there anything else you wanted me to sort of touch touch on, any questions you have have for me today as part of your review? Sorry. Pay into super? Oh, look.\n\nHonestly, I understand. But, no, this is something I definitely wanna have a chat to you about. And I've been seeing your superannuation, having a bit of look at your investments as well, and I've sort of determined we might be able to provide some advice. So we'll have a bit of a chat about what that looks like, what you're comfortable with, how your suit is being going. And, yeah, as I said, I've got some advice I can provide for you to update, a, your in investments within your super there, but we can also look at what contributions can do to help you moving forward as well.\n\nOkay? Beautiful. Now just to sort of touch base on your last annual review you completed with us, your balance then was about 121,590 As of the July 6, so last week when we completed the documents, your balance then has gone up to 129,981. So you have seen an increase in your super over the last a bit over twelve months there. Just going to get your balance as of today's date for you as well because these documents were being prepared.\n\nSo Marcus have had a little bit of a pullback. So your balance today is about 128,895. So a little bit of a pullback in the market there. Okay? With your performance, now all of your investments have performed fairly well.\n\nI can see one investment in there that's underperforming a little bit as Australian bet along Australian equities investment. That one there has been dragging your portfolio back a little bit where everything else is kind of performing very nicely. As a whole, when you consider the total portfolio net of fees, you're up by 8.18%. So in all honesty, even though that one investment has sort of held your portfolio back a little bit, you've still made a decent return, and you've made over $12,000 in the last twelve months in growth and earnings. So it is really good your portfolio has still been growing even without those additional contributions there, but certainly making additional contributions could definitely help moving forward for you as well.\n\nOkay? All good. Karen, can you hear sorry. Can you hear me okay? Yeah.\n\nThat's exactly right. Yeah. So at the moment with your insurance policy, you have your life, your TPD, and your income protection there. So your life and TPD, your sum insured is $374,007.28, and you currently have an income protection policy with a monthly benefit of 12,168. The total the insurances were paid for from your super for this is $6,394.09.\n\nSo your insurance premiums are very high, and they do come out of your super, and that does have an effect on the return as well. Yeah. Yeah. It's more to do with your income protection. So life and TPD, whilst you are on a level premium, which can make it a bit more expensive, you're actually the income protection is about 90% of your insurance cost essentially because income protection is the first thing we claim on.\n\nWith your income protection benefit, it has a monthly benefit pretax of $12,168. So having a look, we might be able to look at maybe reducing or altering that insurance policy to kind of make it more cost effective for you. But just to sort of make sure with income protection, you can be covered, I have to double check on this policy because it's older. But, normally, it's about 70 to 75% of your pretax income, and it pays in a monthly benefit if you're unable to go to work due to illness or injury. Just double checking.\n\nIncome wise, you're a site manager, and you're self employed. Is that right? Yeah. We had you earning about a 100,000 last financial year. Are you expecting to be able to earn the same amount this year?\n\nYeah. No. That's okay. All good. So, look, I have to double check the policy.\n\nBut, realistically, just general wise, if this policy is old enough that you can be covered for up to 75% of your current income, based on a 100,000 there, probably twelve months, it means that the monthly benefit claimable, you'd be able to claim up to $6,250. So it looks like you might be over insured with the income protection benefit. Would you like me to go back and readjust the income protection so that it just covers what you're able to claim based on your income and try to reduce the cost a little bit for you? 65. Yeah.\n\nYes. So we can we can maneuver and alter the monthly benefit without changing the waiting period or the benefit period. With this one here, you have a ninety day waiting period, so that means you just have to be off work for ninety days prior to making a claim. And with an age 65 benefit period means you can be on a claim up to the age of 65. Yeah.\n\nAll good. That's okay. And you're you're happy that you're earning about a 100,000 per annum, and that would be fairly accurate? Yeah. So gross.\n\nYeah. Yeah. Did you want me to? Yeah. Okay.\n\nEstimate. Yep. That'd be fantastic. What I'll do is I'll get my admin team member to give you a call probably in about a week just to get the updated figure if that's possible. Because I'll go back and review your b to life policy.\n\nIt is a much older policy, and I'll find out what the maximum you can be covered for under that policy is. And when I get an updated estimate of your income, I'll look to maybe reduce the policy back so you're getting you're able to claim on the maximum benefit, but that we can hopefully reduce the cost a little bit as well so less money is being deducted out of your super. Does that sound okay? Beautiful. Beautiful.\n\nNow with your life and TBD, life cover obviously pays out a lump sum benefit to your beneficiaries in the event that you do pass away there. I never want that to happen to you, Karen, but with the current cover you have of 374,728 plus your super benefit is paid out on top of that to your beneficiaries. It currently, as a total, gives you a life benefit of a a bit over $504,000. Are you fairly comfortable with the amount of life cover you have at the moment? No.\n\nI can see that. Yeah. So you are renting now. Is that right? Yeah.\n\nWell, honestly, you could, but the other side of it is what did what happens, you know, if you were to pass away, what is it that you want to have paid out? Because you made mention to me that you do have some kids. And, obviously, they, you know, have them sort of seven days every fortnight, sort of fifty fifty split with your ex. But does that like, in the event of you passing away, did you want maybe her to get some funds to keep looking after your kids to allow them for schooling, or did you wanna maybe have the money paid to the kids directly to give them some sort of starting benefit in the future? What would you want to happen to that money if you passed away?\n\nYeah. Absolutely. How old are the kids now? Beautiful. So, realistically, with your life insurance now and you absolutely can.\n\nI'm just having a look at looks like you don't have beneficiaries nominated, so it is something I do wanna touch on. But because all of your kids are under the age of 18, in the event of you passing away, the benefit, whilst can be paid to them directly, always does get paid to their guardian. So it means if your ex is their guardian, that's the money you get paid to, and it's up to her to distribute the funds. Alternatively, you can apply a beneficiary nomination. It's called legal personal representative, and it means that in the event that you pass away, your super and your life insurance is paid to your estate.\n\nYou then just need to make sure you have a will up to date, which nominates your children as the beneficiary, and you can have the money put into, like, a testamentary trust, noting maybe someone you trust to be the executor or the trustee of that trust, and that money can be held and sort of paid out or distributed to the kids as you prefer. That way, they receive the funds, and it can be used to help schooling. It gives you a lot more control. Does that make sense? Absolutely.\n\nI mean, I've got three kids myself, and the last thing I would want is in any, you know, any case for them to be unable to, you know, cover the cost of schooling or have a bit of a head start. I mean, at the end of the day, if anything happened, they'd be losing a parent, and that would be a huge, huge cost to them. You know, a lot of kids do have trouble coming back from that, and so leaving them something isn't a bad thing at all. You could have it equally shared up between the three kids. You know, having that trust and doing it all through your will does give you a lot more control.\n\nI can safely tell you I'm a person of divorce as well. So my older kids were to my ex husband, and I had to set my estate planning up that way as well to make sure that my ex got no money and that it all did get distributed to my children. And it just provides you with a lot more say around what happens to the funds and making sure it does go to your kids. So it is a great way to do so. You can set up a a will very simply by speaking to a local solicitor.\n\nWe can always send you the information of a local solicitor here that we can refer you through to. Or if you contact all the states have, like, local trustees and state offices that can help with that wheel very cheaply, I can find that information to email it to you if you like. This is a bit of a an idea of what else what else is out there and how much it might cost to drive a wheel. Are you there, Karen? Lucy?\n\nSorry. I drop I must have dropped out. I do apologize. That's okay. Did you catch all that?\n\nDid I drop out before the end of that? Sorry. Absolutely. Yeah. Yep.\n\nYou're hap you got me to do that for you? Yeah. Absolutely. I'll email some information through on a bit of a top up around the estate planning side of things and drawing for will and, you know, how that can provide a bit of a benefit for you to have a look at some costing as well so you can sort of see and weigh up your options and how you'd like to do that. Okay?\n\nBeautiful. Now the other thing you do have here insurance wise is TBD. So you have the same level of cover as your life insurance, so $374,007.28 TPD, in the event of you being unable to go back to work again, would have to sort of cover income expenditure and keep you living as long as you can. You can, with TPD, also claim on your super as well. So, again, it gives you just over $500,000 of cover between the insurance and your super benefit.\n\nAre you fairly comfortable with that level? Did you wanna look at reviewing that all? Karen, did I lose you again? Hello, Karen? Can you hear me?\n\nHello, Karen? Can you hear me at all? Hello, Kieran. Can you hear me at all?","paragraphs":[{"sentences":[{"text":"Hi, Kieran.","start":5.68,"end":6.3199997,"sentiment":"neutral","sentiment_score":0.07934224233031273},{"text":"This is Dana from Oak hi, Kieran.","start":6.3199997,"end":8.08,"sentiment":"neutral","sentiment_score":0.11515040163482938},{"text":"It's Dana from Oakley Financial.","start":8.08,"end":9.62,"sentiment":"neutral","sentiment_score":0.1495816022157669},{"text":"How are you this afternoon?","start":9.679999,"end":10.9,"sentiment":"neutral","sentiment_score":0.2370803952217102},{"text":"I'm very well.","start":13.8550005,"end":14.655001,"sentiment":"positive","sentiment_score":0.5119436184565226}],"sentiment":"neutral","sentiment_score":0.2015399153936993,"num_words":22,"start":5.68,"end":14.655001},{"sentences":[{"text":"Thank you, Kieran.","start":14.655001,"end":15.375,"sentiment":"positive","sentiment_score":0.5436785618464152},{"text":"I had you booked in to go through your annual review this afternoon.","start":15.375,"end":17.935001,"sentiment":"neutral","sentiment_score":0.1121043018423594},{"text":"Isn't that still a good time?","start":17.935001,"end":19.235,"sentiment":"neutral","sentiment_score":0.08402682282030582},{"text":"Yeah.","start":24.015,"end":24.515,"sentiment":"neutral","sentiment_score":0.0693037360906601},{"text":"No.","start":25.26,"end":25.5,"sentiment":"neutral","sentiment_score":0.0529886856675148}],"sentiment":"neutral","sentiment_score":0.15478520700708032,"num_words":24,"start":14.655001,"end":25.5},{"sentences":[{"text":"All all good.","start":25.5,"end":26.060001,"sentiment":"neutral","sentiment_score":0.2200477570295334},{"text":"I can hear you perfectly fine.","start":26.060001,"end":28.0,"sentiment":"neutral","sentiment_score":0.2268394653995832},{"text":"I do normally send you an email with some annual review documents there.","start":28.460001,"end":31.42,"sentiment":"neutral","sentiment_score":0.06268488013973603},{"text":"Are you able to look at your emails?","start":31.42,"end":32.940002,"sentiment":"neutral","sentiment_score":0.03228869801387191},{"text":"If you can't, that's absolutely fine.","start":32.940002,"end":34.8,"sentiment":"neutral","sentiment_score":0.05281193243960539}],"sentiment":"neutral","sentiment_score":0.09475735233475764,"num_words":36,"start":25.5,"end":34.8},{"sentences":[{"text":"That's okay.","start":41.515,"end":42.234997,"sentiment":"neutral","sentiment_score":0.14398416876792908},{"text":"Not an issue at all.","start":42.234997,"end":43.195,"sentiment":"neutral","sentiment_score":0.13260440826416015},{"text":"What I'll do is I'll send the documents through for you to have a bit of a gander later on when you've got some time there.","start":43.195,"end":48.175,"sentiment":"neutral","sentiment_score":0.15551965941603368},{"text":"In the meantime, I'll just take you through the documents, let you know what we've got.","start":48.315,"end":51.274998,"sentiment":"neutral","sentiment_score":0.14810256334021688},{"text":"We'll have a bit of a chat about where things are, what's happening with you super, and look at whatever new goals you might have as well.","start":51.274998,"end":57.46,"sentiment":"neutral","sentiment_score":0.15357399124790122}],"sentiment":"neutral","sentiment_score":0.15145579343171497,"num_words":76,"start":41.515,"end":57.46},{"sentences":[{"text":"How does that sound?","start":57.46,"end":58.52,"sentiment":"neutral","sentiment_score":0.11129775829613209},{"text":"Fantastic.","start":61.22,"end":61.72,"sentiment":"positive","sentiment_score":0.4809491634368897},{"text":"Kieran, before I jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":62.58,"end":67.4,"sentiment":"neutral","sentiment_score":0.2080677801912481},{"text":"Are you happy for me to proceed with that?","start":67.46,"end":71.505,"sentiment":"neutral","sentiment_score":0.2360733234220081},{"text":"Fantastic.","start":71.905,"end":72.405,"sentiment":"positive","sentiment_score":0.34664231538772583}],"sentiment":"neutral","sentiment_score":0.21553874559499123,"num_words":37,"start":57.46,"end":72.405},{"sentences":[{"text":"And just a little quick security check there with you.","start":72.465,"end":74.465,"sentiment":"neutral","sentiment_score":0.1632159762084484},{"text":"I just need to confirm your full name, your date of birth, and address I should have on file.","start":74.465,"end":78.405,"sentiment":"neutral","sentiment_score":0.13719461505350314},{"text":"Yep.","start":84.159996,"end":84.659996,"sentiment":"neutral","sentiment_score":0.05724773928523064},{"text":"Fantastic.","start":86.799995,"end":87.299995,"sentiment":"positive","sentiment_score":0.4405704438686371},{"text":"Thank you so much for that.","start":87.6,"end":89.119995,"sentiment":"positive","sentiment_score":0.5478617797295252}],"sentiment":"neutral","sentiment_score":0.21686071107113683,"num_words":37,"start":72.465,"end":89.119995},{"sentences":[{"text":"So I'm sure you're keen to have a bit of a look at what your super has been doing there for you.","start":89.119995,"end":92.88,"sentiment":"neutral","sentiment_score":0.3273449885574254},{"text":"But is there anything else you wanted me to sort of touch touch on, any questions you have have for me today as part of your review?","start":92.88,"end":98.355,"sentiment":"neutral","sentiment_score":0.11708064556673721},{"text":"Sorry.","start":110.59,"end":110.83,"sentiment":"neutral","sentiment_score":-0.09934261441230774},{"text":"Pay into super?","start":110.83,"end":111.89,"sentiment":"neutral","sentiment_score":-0.09066922217607498},{"text":"Oh, look.","start":119.505,"end":120.145,"sentiment":"neutral","sentiment_score":-0.009825559332966805}],"sentiment":"neutral","sentiment_score":0.1813048323447054,"num_words":55,"start":89.119995,"end":120.145},{"sentences":[{"text":"Honestly, I understand.","start":120.145,"end":121.445,"sentiment":"neutral","sentiment_score":-0.02333121622602145},{"text":"But, no, this is something I definitely wanna have a chat to you about.","start":121.745,"end":124.565,"sentiment":"neutral","sentiment_score":0.06910309993794986},{"text":"And I've been seeing your superannuation, having a bit of look at your investments as well, and I've sort of determined we might be able to provide some advice.","start":125.265,"end":133.025,"sentiment":"neutral","sentiment_score":0.1917703123442058},{"text":"So we'll have a bit of a chat about what that looks like, what you're comfortable with, how your suit is being going.","start":133.025,"end":138.72,"sentiment":"neutral","sentiment_score":0.24572323489448297},{"text":"And, yeah, as I said, I've got some advice I can provide for you to update, a, your in investments within your super there, but we can also look at what contributions can do to help you moving forward as well.","start":139.26,"end":151.195,"sentiment":"neutral","sentiment_score":0.27470795156025307}],"sentiment":"neutral","sentiment_score":0.21248590204526077,"num_words":110,"start":120.145,"end":151.195},{"sentences":[{"text":"Okay?","start":151.195,"end":151.695,"sentiment":"neutral","sentiment_score":0.15718352794647217},{"text":"Beautiful.","start":154.155,"end":154.655,"sentiment":"positive","sentiment_score":0.6846997141838074},{"text":"Now just to sort of touch base on your last annual review you completed with us, your balance then was about 121,590 As of the July 6, so last week when we completed the documents, your balance then has gone up to 129,981.","start":154.875,"end":173.48999,"sentiment":"neutral","sentiment_score":0.13281665517147198},{"text":"So you have seen an increase in your super over the last a bit over twelve months there.","start":173.48999,"end":178.70999,"sentiment":"neutral","sentiment_score":0.2508423460854424},{"text":"Just going to get your balance as of today's date for you as well because these documents were being prepared.","start":179.71501,"end":185.175,"sentiment":"neutral","sentiment_score":0.12427973859012127}],"sentiment":"neutral","sentiment_score":0.1632982700704092,"num_words":83,"start":151.195,"end":185.175},{"sentences":[{"text":"So Marcus have had a little bit of a pullback.","start":185.955,"end":188.13501,"sentiment":"negative","sentiment_score":-0.3760409578680992},{"text":"So your balance today is about 128,895.","start":188.195,"end":193.5,"sentiment":"neutral","sentiment_score":-0.16603553082261766},{"text":"So a little bit of a pullback in the market there.","start":193.5,"end":195.98001,"sentiment":"neutral","sentiment_score":-0.2500714740969918},{"text":"Okay?","start":195.98001,"end":196.48001,"sentiment":"neutral","sentiment_score":-0.0380144976079464},{"text":"With your performance, now all of your investments have performed fairly well.","start":198.70001,"end":202.86,"sentiment":"neutral","sentiment_score":0.16674209324022135}],"sentiment":"neutral","sentiment_score":-0.13928180215198818,"num_words":41,"start":185.955,"end":202.86},{"sentences":[{"text":"I can see one investment in there that's underperforming a little bit as Australian bet along Australian equities investment.","start":203.1,"end":209.60501,"sentiment":"neutral","sentiment_score":-0.1613583023610868},{"text":"That one there has been dragging your portfolio back a little bit where everything else is kind of performing very nicely.","start":210.30501,"end":216.32501,"sentiment":"neutral","sentiment_score":-0.16024629842667354},{"text":"As a whole, when you consider the total portfolio net of fees, you're up by 8.18%.","start":217.02501,"end":223.31999,"sentiment":"neutral","sentiment_score":0.2995899533852935},{"text":"So in all honesty, even though that one investment has sort of held your portfolio back a little bit, you've still made a decent return, and you've made over $12,000 in the last twelve months in growth and earnings.","start":223.31999,"end":235.66,"sentiment":"positive","sentiment_score":0.434995357806866},{"text":"So it is really good your portfolio has still been growing even without those additional contributions there, but certainly making additional contributions could definitely help moving forward for you as well.","start":235.8,"end":247.195,"sentiment":"positive","sentiment_score":0.6729139483744099}],"sentiment":"neutral","sentiment_score":0.2872032587017332,"num_words":126,"start":203.1,"end":247.195},{"sentences":[{"text":"Okay?","start":247.195,"end":247.695,"sentiment":"neutral","sentiment_score":0.273783415555954},{"text":"All good.","start":252.65,"end":253.21,"sentiment":"positive","sentiment_score":0.5846649408340454},{"text":"Karen, can you hear sorry.","start":253.21,"end":255.05,"sentiment":"neutral","sentiment_score":0.007951932027935982},{"text":"Can you hear me okay?","start":255.05,"end":256.19,"sentiment":"neutral","sentiment_score":-0.0164558881893754},{"text":"Yeah.","start":258.73,"end":259.23,"sentiment":"neutral","sentiment_score":0.20368553698062897}],"sentiment":"neutral","sentiment_score":0.11459136095696262,"num_words":14,"start":247.195,"end":259.23},{"sentences":[{"text":"That's exactly right.","start":263.46503,"end":264.74503,"sentiment":"neutral","sentiment_score":0.1337625781695048},{"text":"Yeah.","start":264.74503,"end":265.065,"sentiment":"neutral","sentiment_score":0.08191919326782227},{"text":"So at the moment with your insurance policy, you have your life, your TPD, and your income protection there.","start":265.065,"end":271.065,"sentiment":"neutral","sentiment_score":0.042731435675370064},{"text":"So your life and TPD, your sum insured is $374,007.28, and you currently have an income protection policy with a monthly benefit of 12,168.","start":271.065,"end":284.43,"sentiment":"neutral","sentiment_score":0.049899008590728045},{"text":"The total the insurances were paid for from your super for this is $6,394.09.","start":284.81,"end":293.42502,"sentiment":"neutral","sentiment_score":0.0445489769003221}],"sentiment":"neutral","sentiment_score":0.05108796866213689,"num_words":61,"start":263.46503,"end":293.42502},{"sentences":[{"text":"So your insurance premiums are very high, and they do come out of your super, and that does have an effect on the return as well.","start":293.42502,"end":301.025,"sentiment":"neutral","sentiment_score":-0.006690325072178474},{"text":"Yeah.","start":301.025,"end":301.525,"sentiment":"neutral","sentiment_score":-0.0007583033293485641},{"text":"Yeah.","start":305.12,"end":305.62,"sentiment":"neutral","sentiment_score":-0.007244409993290901},{"text":"It's more to do with your income protection.","start":319.375,"end":321.315,"sentiment":"neutral","sentiment_score":-0.0897128889337182},{"text":"So life and TPD, whilst you are on a level premium, which can make it a bit more expensive, you're actually the income protection is about 90% of your insurance cost essentially because income protection is the first thing we claim on.","start":321.45502,"end":334.43,"sentiment":"neutral","sentiment_score":-0.007971188663283274}],"sentiment":"neutral","sentiment_score":-0.015826207699063115,"num_words":78,"start":293.42502,"end":334.43},{"sentences":[{"text":"With your income protection benefit, it has a monthly benefit pretax of $12,168.","start":334.97,"end":343.375,"sentiment":"neutral","sentiment_score":0.05351372686429666},{"text":"So having a look, we might be able to look at maybe reducing or altering that insurance policy to kind of make it more cost effective for you.","start":343.755,"end":351.215,"sentiment":"neutral","sentiment_score":0.11902101577392646},{"text":"But just to sort of make sure with income protection, you can be covered, I have to double check on this policy because it's older.","start":351.515,"end":358.21,"sentiment":"neutral","sentiment_score":0.009683014154434203},{"text":"But, normally, it's about 70 to 75% of your pretax income, and it pays in a monthly benefit if you're unable to go to work due to illness or injury.","start":358.43,"end":367.97,"sentiment":"neutral","sentiment_score":-0.012676713118950526},{"text":"Just double checking.","start":368.515,"end":369.655,"sentiment":"neutral","sentiment_score":0.01046230768163999}],"sentiment":"neutral","sentiment_score":0.03961038155801067,"num_words":99,"start":334.97,"end":369.655},{"sentences":[{"text":"Income wise, you're a site manager, and you're self employed.","start":369.795,"end":374.67502,"sentiment":"neutral","sentiment_score":0.021692796237766744},{"text":"Is that right?","start":374.67502,"end":375.655,"sentiment":"neutral","sentiment_score":0.048177735259135566},{"text":"Yeah.","start":377.795,"end":378.27502,"sentiment":"neutral","sentiment_score":0.05393505096435547},{"text":"We had you earning about a 100,000 last financial year.","start":378.27502,"end":382.195,"sentiment":"neutral","sentiment_score":0.040862281993031505},{"text":"Are you expecting to be able to earn the same amount this year?","start":382.195,"end":385.77002,"sentiment":"neutral","sentiment_score":0.029651592987088058}],"sentiment":"neutral","sentiment_score":0.03268891210491593,"num_words":37,"start":369.795,"end":385.77002},{"sentences":[{"text":"Yeah.","start":390.39,"end":390.89,"sentiment":"neutral","sentiment_score":-0.03158004581928253},{"text":"No.","start":392.47,"end":392.71002,"sentiment":"neutral","sentiment_score":-0.06901230663061142},{"text":"That's okay.","start":392.71002,"end":393.61002,"sentiment":"neutral","sentiment_score":0.056401778012514114},{"text":"All good.","start":393.99002,"end":394.63,"sentiment":"neutral","sentiment_score":0.2554541528224945},{"text":"So, look, I have to double check the policy.","start":394.63,"end":396.675,"sentiment":"neutral","sentiment_score":-0.0008033166329065958}],"sentiment":"neutral","sentiment_score":0.03439264396826426,"num_words":15,"start":390.39,"end":396.675},{"sentences":[{"text":"But, realistically, just general wise, if this policy is old enough that you can be covered for up to 75% of your current income, based on a 100,000 there, probably twelve months, it means that the monthly benefit claimable, you'd be able to claim up to $6,250.","start":396.675,"end":417.29,"sentiment":"neutral","sentiment_score":0.003524775914055236},{"text":"So it looks like you might be over insured with the income protection benefit.","start":417.29,"end":421.23,"sentiment":"neutral","sentiment_score":-0.10907494329980441},{"text":"Would you like me to go back and readjust the income protection so that it just covers what you're able to claim based on your income and try to reduce the cost a little bit for you?","start":421.57498,"end":431.51498,"sentiment":"neutral","sentiment_score":0.017331620728647388},{"text":"65.","start":441.27002,"end":442.23,"sentiment":"neutral","sentiment_score":0.072395458817482},{"text":"Yeah.","start":442.23,"end":442.71,"sentiment":"neutral","sentiment_score":0.15526935458183289}],"sentiment":"neutral","sentiment_score":-0.0049244995787739755,"num_words":100,"start":396.675,"end":442.71},{"sentences":[{"text":"Yes.","start":442.71,"end":443.03,"sentiment":"neutral","sentiment_score":0.2234603762626648},{"text":"So we can we can maneuver and alter the monthly benefit without changing the waiting period or the benefit period.","start":443.03,"end":450.72498,"sentiment":"neutral","sentiment_score":0.1899467684328556},{"text":"With this one here, you have a ninety day waiting period, so that means you just have to be off work for ninety days prior to making a claim.","start":451.585,"end":457.925,"sentiment":"neutral","sentiment_score":0.15022973330884143},{"text":"And with an age 65 benefit period means you can be on a claim up to the age of 65.","start":458.17,"end":463.47,"sentiment":"neutral","sentiment_score":0.08606996443122625},{"text":"Yeah.","start":467.13,"end":467.63,"sentiment":"positive","sentiment_score":0.41874706745147705}],"sentiment":"neutral","sentiment_score":0.14815780798524197,"num_words":71,"start":442.71,"end":467.63},{"sentences":[{"text":"All good.","start":469.85,"end":470.51,"sentiment":"positive","sentiment_score":0.6323421597480774},{"text":"That's okay.","start":471.345,"end":473.425,"sentiment":"positive","sentiment_score":0.5862250924110413},{"text":"And you're you're happy that you're earning about a 100,000 per annum, and that would be fairly accurate?","start":473.425,"end":478.805,"sentiment":"positive","sentiment_score":0.49365191327200997},{"text":"Yeah.","start":483.59998,"end":484.08,"sentiment":"neutral","sentiment_score":-0.019862519577145576},{"text":"So gross.","start":484.08,"end":484.9,"sentiment":"neutral","sentiment_score":-0.02637023013085127}],"sentiment":"positive","sentiment_score":0.4500106385350227,"num_words":25,"start":469.85,"end":484.9},{"sentences":[{"text":"Yeah.","start":484.96,"end":485.46,"sentiment":"neutral","sentiment_score":-0.01616608165204525},{"text":"Yeah.","start":499.375,"end":499.875,"sentiment":"neutral","sentiment_score":-0.10156311094760896},{"text":"Did you want me to?","start":505.215,"end":506.515,"sentiment":"neutral","sentiment_score":-0.07336506471037865},{"text":"Yeah.","start":508.43002,"end":508.93002,"sentiment":"neutral","sentiment_score":-0.010617979802191256},{"text":"Okay.","start":509.31003,"end":509.81003,"sentiment":"neutral","sentiment_score":0.002718394622206688}],"sentiment":"neutral","sentiment_score":-0.05471712237017022,"num_words":9,"start":484.96,"end":509.81003},{"sentences":[{"text":"Estimate.","start":519.39,"end":519.89,"sentiment":"neutral","sentiment_score":0.022719411179423332},{"text":"Yep.","start":521.755,"end":522.255,"sentiment":"neutral","sentiment_score":0.06517116725444794},{"text":"That'd be fantastic.","start":524.075,"end":525.215,"sentiment":"positive","sentiment_score":0.6397799054781595},{"text":"What I'll do is I'll get my admin team member to give you a call probably in about a week just to get the updated figure if that's possible.","start":525.515,"end":531.53503,"sentiment":"neutral","sentiment_score":0.10019575033722253},{"text":"Because I'll go back and review your b to life policy.","start":532.075,"end":534.61,"sentiment":"neutral","sentiment_score":0.043975360691547394}],"sentiment":"neutral","sentiment_score":0.1199252449389961,"num_words":45,"start":519.39,"end":534.61},{"sentences":[{"text":"It is a much older policy, and I'll find out what the maximum you can be covered for under that policy is.","start":534.61,"end":540.14996,"sentiment":"neutral","sentiment_score":0.03340057698501782},{"text":"And when I get an updated estimate of your income, I'll look to maybe reduce the policy back so you're getting you're able to claim on the maximum benefit, but that we can hopefully reduce the cost a little bit as well so less money is being deducted out of your super.","start":541.01,"end":554.73505,"sentiment":"neutral","sentiment_score":0.10711685489290036},{"text":"Does that sound okay?","start":554.79504,"end":555.935,"sentiment":"neutral","sentiment_score":0.12397033162415028},{"text":"Beautiful.","start":558.79504,"end":559.29504,"sentiment":"positive","sentiment_score":0.5344955921173096},{"text":"Beautiful.","start":559.435,"end":559.91504,"sentiment":"positive","sentiment_score":0.4902915954589844}],"sentiment":"neutral","sentiment_score":0.09781947077717632,"num_words":80,"start":534.61,"end":559.91504},{"sentences":[{"text":"Now with your life and TBD, life cover obviously pays out a lump sum benefit to your beneficiaries in the event that you do pass away there.","start":559.91504,"end":567.46,"sentiment":"neutral","sentiment_score":0.12135030425809047},{"text":"I never want that to happen to you, Karen, but with the current cover you have of 374,728 plus your super benefit is paid out on top of that to your beneficiaries.","start":567.76,"end":580.97504,"sentiment":"neutral","sentiment_score":-0.019770763406995684},{"text":"It currently, as a total, gives you a life benefit of a a bit over $504,000.","start":581.59503,"end":586.97504,"sentiment":"neutral","sentiment_score":0.1932097445242107},{"text":"Are you fairly comfortable with the amount of life cover you have at the moment?","start":587.11505,"end":590.895,"sentiment":"neutral","sentiment_score":0.1566408634185791},{"text":"No.","start":599.61005,"end":599.85004,"sentiment":"neutral","sentiment_score":-0.16502249240875244}],"sentiment":"neutral","sentiment_score":0.08703011161760314,"num_words":91,"start":559.91504,"end":599.85004},{"sentences":[{"text":"I can see that.","start":599.85004,"end":600.65,"sentiment":"neutral","sentiment_score":-0.13862763904035091},{"text":"Yeah.","start":600.65,"end":600.97003,"sentiment":"neutral","sentiment_score":-0.03541819751262665},{"text":"So you are renting now.","start":600.97003,"end":602.49005,"sentiment":"neutral","sentiment_score":-0.03348582088947296},{"text":"Is that right?","start":602.49005,"end":603.31,"sentiment":"neutral","sentiment_score":0.0001743640750646592},{"text":"Yeah.","start":610.86505,"end":611.36505,"sentiment":"neutral","sentiment_score":-0.036249324679374695}],"sentiment":"neutral","sentiment_score":-0.05664886361254113,"num_words":14,"start":599.85004,"end":611.36505},{"sentences":[{"text":"Well, honestly, you could, but the other side of it is what did what happens, you know, if you were to pass away, what is it that you want to have paid out?","start":611.505,"end":618.625,"sentiment":"neutral","sentiment_score":-0.19070967320691457},{"text":"Because you made mention to me that you do have some kids.","start":618.625,"end":621.76,"sentiment":"neutral","sentiment_score":-0.06729591824114323},{"text":"And, obviously, they, you know, have them sort of seven days every fortnight, sort of fifty fifty split with your ex.","start":622.38,"end":628.16003,"sentiment":"neutral","sentiment_score":-0.03704299068167096},{"text":"But does that like, in the event of you passing away, did you want maybe her to get some funds to keep looking after your kids to allow them for schooling, or did you wanna maybe have the money paid to the kids directly to give them some sort of starting benefit in the future?","start":628.86005,"end":642.965,"sentiment":"neutral","sentiment_score":-0.03242068944329565},{"text":"What would you want to happen to that money if you passed away?","start":642.965,"end":645.705,"sentiment":"neutral","sentiment_score":-0.3184629392165404}],"sentiment":"neutral","sentiment_score":-0.10300021767338265,"num_words":134,"start":611.505,"end":645.705},{"sentences":[{"text":"Yeah.","start":654.99,"end":655.31,"sentiment":"neutral","sentiment_score":0.0566667765378952},{"text":"Absolutely.","start":655.31,"end":655.81,"sentiment":"neutral","sentiment_score":0.15256592631340027},{"text":"How old are the kids now?","start":656.75,"end":658.13,"sentiment":"neutral","sentiment_score":0.004253322258591652},{"text":"Beautiful.","start":663.195,"end":663.695,"sentiment":"positive","sentiment_score":0.6211646199226379},{"text":"So, realistically, with your life insurance now and you absolutely can.","start":664.23505,"end":667.67505,"sentiment":"positive","sentiment_score":0.4672053510492498}],"sentiment":"neutral","sentiment_score":0.29975880589336157,"num_words":20,"start":654.99,"end":667.67505},{"sentences":[{"text":"I'm just having a look at looks like you don't have beneficiaries nominated, so it is something I do wanna touch on.","start":667.67505,"end":673.055,"sentiment":"neutral","sentiment_score":0.043353875083002175},{"text":"But because all of your kids are under the age of 18, in the event of you passing away, the benefit, whilst can be paid to them directly, always does get paid to their guardian.","start":673.51,"end":682.97,"sentiment":"neutral","sentiment_score":0.10080814074192729},{"text":"So it means if your ex is their guardian, that's the money you get paid to, and it's up to her to distribute the funds.","start":683.02997,"end":688.305,"sentiment":"neutral","sentiment_score":0.15947528779506684},{"text":"Alternatively, you can apply a beneficiary nomination.","start":688.785,"end":692.485,"sentiment":"neutral","sentiment_score":0.1569699708904539},{"text":"It's called legal personal representative, and it means that in the event that you pass away, your super and your life insurance is paid to your estate.","start":692.945,"end":701.045,"sentiment":"neutral","sentiment_score":0.1665195968967897}],"sentiment":"neutral","sentiment_score":0.12123940763031614,"num_words":116,"start":667.67505,"end":701.045},{"sentences":[{"text":"You then just need to make sure you have a will up to date, which nominates your children as the beneficiary, and you can have the money put into, like, a testamentary trust, noting maybe someone you trust to be the executor or the trustee of that trust, and that money can be held and sort of paid out or distributed to the kids as you prefer.","start":701.33997,"end":720.305,"sentiment":"neutral","sentiment_score":0.24396262217813464},{"text":"That way, they receive the funds, and it can be used to help schooling.","start":720.305,"end":724.385,"sentiment":"positive","sentiment_score":0.5534871114151818},{"text":"It gives you a lot more control.","start":724.385,"end":726.005,"sentiment":"positive","sentiment_score":0.4990452953747341},{"text":"Does that make sense?","start":726.065,"end":726.96,"sentiment":"neutral","sentiment_score":0.2480623796582222},{"text":"Absolutely.","start":734.4,"end":734.9,"sentiment":"neutral","sentiment_score":0.17419220507144928}],"sentiment":"neutral","sentiment_score":0.30918359179650584,"num_words":93,"start":701.33997,"end":734.9},{"sentences":[{"text":"I mean, I've got three kids myself, and the last thing I would want is in any, you know, any case for them to be unable to, you know, cover the cost of schooling or have a bit of a head start.","start":735.36005,"end":745.46497,"sentiment":"neutral","sentiment_score":-0.1859792149847462},{"text":"I mean, at the end of the day, if anything happened, they'd be losing a parent, and that would be a huge, huge cost to them.","start":745.46497,"end":752.045,"sentiment":"neutral","sentiment_score":-0.324430133574284},{"text":"You know, a lot of kids do have trouble coming back from that, and so leaving them something isn't a bad thing at all.","start":752.505,"end":757.82,"sentiment":"neutral","sentiment_score":0.0686154452462991},{"text":"You could have it equally shared up between the three kids.","start":758.06,"end":760.88,"sentiment":"positive","sentiment_score":0.5374022207476876},{"text":"You know, having that trust and doing it all through your will does give you a lot more control.","start":761.58,"end":765.92,"sentiment":"positive","sentiment_score":0.574033934819071}],"sentiment":"neutral","sentiment_score":0.01818466699514233,"num_words":122,"start":735.36005,"end":765.92},{"sentences":[{"text":"I can safely tell you I'm a person of divorce as well.","start":766.38,"end":769.485,"sentiment":"neutral","sentiment_score":0.17172482687359056},{"text":"So my older kids were to my ex husband, and I had to set my estate planning up that way as well to make sure that my ex got no money and that it all did get distributed to my children.","start":769.485,"end":779.345,"sentiment":"neutral","sentiment_score":0.1908767211546258},{"text":"And it just provides you with a lot more say around what happens to the funds and making sure it does go to your kids.","start":780.045,"end":785.66003,"sentiment":"positive","sentiment_score":0.41079141974449157},{"text":"So it is a great way to do so.","start":785.66003,"end":787.60004,"sentiment":"positive","sentiment_score":0.7716346780459086},{"text":"You can set up a a will very simply by speaking to a local solicitor.","start":788.06,"end":792.16003,"sentiment":"positive","sentiment_score":0.39596706827481587}],"sentiment":"neutral","sentiment_score":0.32392791284284755,"num_words":102,"start":766.38,"end":792.16003},{"sentences":[{"text":"We can always send you the information of a local solicitor here that we can refer you through to.","start":792.54004,"end":797.055,"sentiment":"neutral","sentiment_score":0.26890015758966146},{"text":"Or if you contact all the states have, like, local trustees and state offices that can help with that wheel very cheaply, I can find that information to email it to you if you like.","start":797.535,"end":806.735,"sentiment":"neutral","sentiment_score":0.26648788686309544},{"text":"This is a bit of a an idea of what else what else is out there and how much it might cost to drive a wheel.","start":806.735,"end":812.835,"sentiment":"neutral","sentiment_score":0.10313536255405499},{"text":"Are you there, Karen?","start":821.62994,"end":822.58997,"sentiment":"neutral","sentiment_score":0.032003468833863735},{"text":"Lucy?","start":822.58997,"end":823.08997,"sentiment":"neutral","sentiment_score":0.02241802029311657}],"sentiment":"neutral","sentiment_score":0.20315447478171658,"num_words":85,"start":792.54004,"end":823.08997},{"sentences":[{"text":"Sorry.","start":825.805,"end":826.125,"sentiment":"neutral","sentiment_score":-0.13966646790504456},{"text":"I drop I must have dropped out.","start":826.125,"end":827.565,"sentiment":"neutral","sentiment_score":-0.20405168405600957},{"text":"I do apologize.","start":827.565,"end":828.385,"sentiment":"neutral","sentiment_score":-0.1280032992362976},{"text":"That's okay.","start":831.245,"end":832.045,"sentiment":"neutral","sentiment_score":0.0730094239115715},{"text":"Did you catch all that?","start":832.045,"end":833.165,"sentiment":"neutral","sentiment_score":-0.007446442916989327}],"sentiment":"neutral","sentiment_score":-0.10240286226487821,"num_words":18,"start":825.805,"end":833.165},{"sentences":[{"text":"Did I drop out before the end of that?","start":833.165,"end":835.345,"sentiment":"neutral","sentiment_score":-0.04968695590893427},{"text":"Sorry.","start":835.725,"end":836.225,"sentiment":"neutral","sentiment_score":-0.06777618825435638},{"text":"Absolutely.","start":843.74,"end":844.24,"sentiment":"neutral","sentiment_score":0.16705657541751862},{"text":"Yeah.","start":844.94,"end":845.44,"sentiment":"neutral","sentiment_score":0.1063573807477951},{"text":"Yep.","start":845.74,"end":846.24,"sentiment":"neutral","sentiment_score":0.12023520469665527}],"sentiment":"neutral","sentiment_score":-0.009331510044061221,"num_words":13,"start":833.165,"end":846.24},{"sentences":[{"text":"You're hap you got me to do that for you?","start":846.3,"end":848.88,"sentiment":"neutral","sentiment_score":0.16652200147509574},{"text":"Yeah.","start":849.02,"end":849.34,"sentiment":"neutral","sentiment_score":0.18366792798042297},{"text":"Absolutely.","start":849.34,"end":849.84,"sentiment":"neutral","sentiment_score":0.27029287815093994},{"text":"I'll email some information through on a bit of a top up around the estate planning side of things and drawing for will and, you know, how that can provide a bit of a benefit for you to have a look at some costing as well so you can sort of see and weigh up your options and how you'd like to do that.","start":850.14,"end":863.455,"sentiment":"neutral","sentiment_score":0.32934364792890847},{"text":"Okay?","start":863.455,"end":863.955,"sentiment":"neutral","sentiment_score":0.17730800807476044}],"sentiment":"neutral","sentiment_score":0.30356470514814576,"num_words":77,"start":846.3,"end":863.955},{"sentences":[{"text":"Beautiful.","start":866.61,"end":867.11,"sentiment":"positive","sentiment_score":0.6826194524765015},{"text":"Now the other thing you do have here insurance wise is TBD.","start":867.49,"end":870.55,"sentiment":"neutral","sentiment_score":0.07978267403086647},{"text":"So you have the same level of cover as your life insurance, so $374,007.28 TPD, in the event of you being unable to go back to work again, would have to sort of cover income expenditure and keep you living as long as you can.","start":870.69,"end":885.705,"sentiment":"neutral","sentiment_score":0.14911013365619713},{"text":"You can, with TPD, also claim on your super as well.","start":886.565,"end":890.35,"sentiment":"neutral","sentiment_score":0.30715976520018146},{"text":"So, again, it gives you just over $500,000 of cover between the insurance and your super benefit.","start":890.35,"end":895.57,"sentiment":"neutral","sentiment_score":0.3231544810182908}],"sentiment":"neutral","sentiment_score":0.20025989709172917,"num_words":86,"start":866.61,"end":895.57},{"sentences":[{"text":"Are you fairly comfortable with that level?","start":895.87,"end":897.70996,"sentiment":"neutral","sentiment_score":0.3023477239268167},{"text":"Did you wanna look at reviewing that all?","start":897.70996,"end":899.89,"sentiment":"neutral","sentiment_score":0.09182649292051792},{"text":"Karen, did I lose you again?","start":911.645,"end":913.185,"sentiment":"neutral","sentiment_score":-0.23537886763612428},{"text":"Hello, Karen?","start":921.87,"end":922.58997,"sentiment":"neutral","sentiment_score":-0.07962871715426445},{"text":"Can you hear me?","start":922.58997,"end":923.64996,"sentiment":"neutral","sentiment_score":-0.11704384721815586}],"sentiment":"neutral","sentiment_score":0.030049628957554145,"num_words":27,"start":895.87,"end":923.64996},{"sentences":[{"text":"Hello, Karen?","start":935.40497,"end":936.385,"sentiment":"neutral","sentiment_score":-0.05375576205551624},{"text":"Can you hear me at all?","start":936.685,"end":937.8,"sentiment":"neutral","sentiment_score":-0.11330558732151985},{"text":"Hello, Kieran.","start":952.5189,"end":953.1589,"sentiment":"neutral","sentiment_score":0.009907069616019726},{"text":"Can you hear me at all?","start":953.1589,"end":954.3789,"sentiment":"neutral","sentiment_score":-0.11194742595156033}],"sentiment":"neutral","sentiment_score":-0.08995096653234214,"num_words":16,"start":935.40497,"end":954.3789}]}}]},{"alternatives":[{"transcript":"Hello? Karen speaking. Hello? How's it going? Yourself? Yep. Yep. Perfect. As long as you can hear me alright. I'm on the other hand free. And I won't be able for maybe twenty minutes. Yeah. Sounds good. Sure thing. Yeah. Kieran O'Connor, the fourth of the third nineteen eighty one, and 10 Edge Street, Murray. Thank you. And I wouldn't mind I I I kinda I I kinda know I need to pay into it. Yeah. I I I I know I need to get I I I need to make a bit more of an effort to pay into it. Is it like Yep. Yeah. That is pretty good. Alright. I can. Yeah. Yeah. That that that is pretty good. Considering the the insurance comes out of that as well, don't you? Because, like, like, life insurance, like, it's is is that is that is that a massive payout? Is this to say that the the the premium is so high? Yeah. Correct. And, yeah, I'd be hoping so. I don't think I earned that last Yes. That would be good. And as long as I get to keep the same policy, because I'm pretty sure that policy pays out because I'm 75, isn't it, or 65? No. And as in as in taxable income? Yeah. I I I probably actually have to check the account because, like, I know I'd be on and off and, like, I've got the kids $50.50, so I can't work for a week. So it's it's considerable. I I I think it'd be a good bit less than that, to be honest. And maybe that's something I I I'm just in the process of doing with with my tax for last year for for the year for the year just gone. So I'll have a lot a lot of more accurate earnings for for last year and in the in the next week or so. Yes. Sounds good. Yeah. But, ma'am, I I'm pretty sure that was set because I had a mortgage at the time, but I no longer have the mortgage. Yeah. Yeah. So re realistically, like, I could just get whatever is in the bank, couldn't Oh, I'd probably rather if it was just given to the kids directly, but for when they were 18 or twenty years after that. 11, nine, and six. Yeah. That that that sounds sounds more like a a plan rather than just having whatever happens. Yeah. Yeah. Gotcha again. Gotcha again. All good. I'm pretty much I'm pretty sure I I I got I got the majority. But anyway, you said you were able to be able to email me some information about it. And Okay. Yeah. Yeah. That that'd be great. Yep. 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Karen speaking. Hello? How's it going? Yourself?\n\nYep. Yep. Perfect. As long as you can hear me alright. I'm on the other hand free.\n\nAnd I won't be able for maybe twenty minutes. Yeah. Sounds good. Sure thing. Yeah.\n\nKieran O'Connor, the fourth of the third nineteen eighty one, and 10 Edge Street, Murray. Thank you. And I wouldn't mind I I I kinda I I kinda know I need to pay into it. Yeah. I I I I know I need to get I I I need to make a bit more of an effort to pay into it.\n\nIs it like Yep. Yeah. That is pretty good. Alright. I can.\n\nYeah. Yeah. That that that is pretty good. Considering the the insurance comes out of that as well, don't you? Because, like, like, life insurance, like, it's is is that is that is that a massive payout?\n\nIs this to say that the the the premium is so high? Yeah. Correct. And, yeah, I'd be hoping so. I don't think I earned that last Yes.\n\nThat would be good. And as long as I get to keep the same policy, because I'm pretty sure that policy pays out because I'm 75, isn't it, or 65? No. And as in as in taxable income? Yeah.\n\nI I I probably actually have to check the account because, like, I know I'd be on and off and, like, I've got the kids $50.50, so I can't work for a week. So it's it's considerable. I I I think it'd be a good bit less than that, to be honest. And maybe that's something I I I'm just in the process of doing with with my tax for last year for for the year for the year just gone. So I'll have a lot a lot of more accurate earnings for for last year and in the in the next week or so.\n\nYes. Sounds good. Yeah. But, ma'am, I I'm pretty sure that was set because I had a mortgage at the time, but I no longer have the mortgage. Yeah.\n\nYeah. So re realistically, like, I could just get whatever is in the bank, couldn't Oh, I'd probably rather if it was just given to the kids directly, but for when they were 18 or twenty years after that. 11, nine, and six. Yeah. That that that sounds sounds more like a a plan rather than just having whatever happens.\n\nYeah. Yeah. Gotcha again. Gotcha again. All good.\n\nI'm pretty much I'm pretty sure I I I got I got the majority. But anyway, you said you were able to be able to email me some information about it. And Okay. Yeah. Yeah.\n\nThat that'd be great. Yep. Perfect.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":0.96,"sentiment":"neutral","sentiment_score":0.015277067199349403},{"text":"Karen speaking.","start":0.96,"end":1.78,"sentiment":"neutral","sentiment_score":0.01951218955218792},{"text":"Hello?","start":6.0,"end":6.5,"sentiment":"neutral","sentiment_score":0.0730632096529007},{"text":"How's it going?","start":12.0,"end":12.559999,"sentiment":"neutral","sentiment_score":0.1980743259191513},{"text":"Yourself?","start":12.559999,"end":13.059999,"sentiment":"neutral","sentiment_score":0.1333032101392746}],"sentiment":"neutral","sentiment_score":0.1068613554816693,"num_words":8,"start":0.56,"end":13.059999},{"sentences":[{"text":"Yep.","start":20.705,"end":21.105,"sentiment":"neutral","sentiment_score":0.056332677602767944},{"text":"Yep.","start":21.105,"end":21.425,"sentiment":"neutral","sentiment_score":0.09236355870962144},{"text":"Perfect.","start":21.425,"end":21.904999,"sentiment":"neutral","sentiment_score":0.23871226608753204},{"text":"As long as you can hear me alright.","start":21.904999,"end":23.185001,"sentiment":"neutral","sentiment_score":0.09546331781893969},{"text":"I'm on the other hand free.","start":23.185001,"end":24.564999,"sentiment":"neutral","sentiment_score":0.05606001615524292}],"sentiment":"neutral","sentiment_score":0.08749853775781744,"num_words":17,"start":20.705,"end":24.564999},{"sentences":[{"text":"And I won't be able for maybe twenty minutes.","start":36.260002,"end":40.905,"sentiment":"neutral","sentiment_score":0.022061278215712972},{"text":"Yeah.","start":59.42,"end":59.9,"sentiment":"neutral","sentiment_score":0.17746303975582123},{"text":"Sounds good.","start":59.9,"end":60.64,"sentiment":"positive","sentiment_score":0.3734976202249527},{"text":"Sure thing.","start":70.455,"end":70.935005,"sentiment":"neutral","sentiment_score":0.18502675741910934},{"text":"Yeah.","start":70.935005,"end":71.435005,"sentiment":"neutral","sentiment_score":0.10994232445955276}],"sentiment":"neutral","sentiment_score":0.10686704156299433,"num_words":15,"start":36.260002,"end":71.435005},{"sentences":[{"text":"Kieran O'Connor, the fourth of the third nineteen eighty one, and 10 Edge Street, Murray.","start":80.055,"end":86.04,"sentiment":"neutral","sentiment_score":0.0874122771124045},{"text":"Thank you.","start":88.420006,"end":89.240005,"sentiment":"positive","sentiment_score":0.514075368642807},{"text":"And I wouldn't mind I I I kinda I I kinda know I need to pay into it.","start":100.835,"end":108.775,"sentiment":"neutral","sentiment_score":-0.2199437947322925},{"text":"Yeah.","start":112.67,"end":112.99,"sentiment":"neutral","sentiment_score":-0.06430920958518982},{"text":"I I I I know I need to get I I I need to make a bit more of an effort to pay into it.","start":112.99,"end":117.81,"sentiment":"neutral","sentiment_score":-0.15362177550792694}],"sentiment":"neutral","sentiment_score":-0.0905656886638188,"num_words":61,"start":80.055,"end":117.81},{"sentences":[{"text":"Is it like Yep.","start":117.95,"end":153.345,"sentiment":"neutral","sentiment_score":0.0774510046467185},{"text":"Yeah.","start":197.76001,"end":198.26001,"sentiment":"neutral","sentiment_score":0.01405450701713562},{"text":"That is pretty good.","start":252.6,"end":253.40001,"sentiment":"positive","sentiment_score":0.5300554037094116},{"text":"Alright.","start":253.40001,"end":253.90001,"sentiment":"neutral","sentiment_score":0.05942944809794426},{"text":"I can.","start":257.16,"end":257.56,"sentiment":"neutral","sentiment_score":0.016179456375539303}],"sentiment":"neutral","sentiment_score":0.21132237510755658,"num_words":12,"start":117.95,"end":257.56},{"sentences":[{"text":"Yeah.","start":257.56,"end":257.88,"sentiment":"neutral","sentiment_score":0.06290143728256226},{"text":"Yeah.","start":257.88,"end":258.38,"sentiment":"neutral","sentiment_score":0.08445330709218979},{"text":"That that that is pretty good.","start":258.44,"end":259.8,"sentiment":"positive","sentiment_score":0.37306758885582286},{"text":"Considering the the insurance comes out of that as well, don't you?","start":259.8,"end":263.34,"sentiment":"neutral","sentiment_score":0.07515745827307303},{"text":"Because, like, like, life insurance, like, it's is is that is that is that a massive payout?","start":304.42502,"end":314.16998,"sentiment":"neutral","sentiment_score":-0.03062167506226722}],"sentiment":"neutral","sentiment_score":0.07478598110075738,"num_words":37,"start":257.56,"end":314.16998},{"sentences":[{"text":"Is this to say that the the the premium is so high?","start":314.16998,"end":317.31,"sentiment":"neutral","sentiment_score":-0.09589360343913238},{"text":"Yeah.","start":376.48,"end":376.72,"sentiment":"neutral","sentiment_score":0.04866179823875427},{"text":"Correct.","start":376.72,"end":377.22,"sentiment":"neutral","sentiment_score":0.0718727856874466},{"text":"And, yeah, I'd be hoping so.","start":387.495,"end":389.27502,"sentiment":"neutral","sentiment_score":-0.002193309754754106},{"text":"I don't think I earned that last Yes.","start":389.815,"end":433.095,"sentiment":"neutral","sentiment_score":-0.022446406539529562}],"sentiment":"neutral","sentiment_score":-0.0436757060067196,"num_words":28,"start":314.16998,"end":433.095},{"sentences":[{"text":"That would be good.","start":433.175,"end":434.315,"sentiment":"neutral","sentiment_score":0.3260069414973259},{"text":"And as long as I get to keep the same policy, because I'm pretty sure that policy pays out because I'm 75, isn't it, or 65?","start":434.375,"end":441.195,"sentiment":"neutral","sentiment_score":0.24003222985909536},{"text":"No.","start":480.12997,"end":480.62997,"sentiment":"neutral","sentiment_score":-0.09482903778553008},{"text":"And as in as in taxable income?","start":480.77,"end":482.94998,"sentiment":"neutral","sentiment_score":-0.05537517049482891},{"text":"Yeah.","start":486.21,"end":486.44998,"sentiment":"neutral","sentiment_score":-0.03848318010568619}],"sentiment":"neutral","sentiment_score":0.18010070079412216,"num_words":39,"start":433.175,"end":486.44998},{"sentences":[{"text":"I I I probably actually have to check the account because, like, I know I'd be on and off and, like, I've got the kids $50.50, so I can't work for a week.","start":486.44998,"end":497.455,"sentiment":"neutral","sentiment_score":-0.1591674732890996},{"text":"So it's it's considerable.","start":499.84,"end":501.91998,"sentiment":"neutral","sentiment_score":-0.23294822871685028},{"text":"I I I think it'd be a good bit less than that, to be honest.","start":501.91998,"end":504.34,"sentiment":"neutral","sentiment_score":-0.25613898734251656},{"text":"And maybe that's something I I I'm just in the process of doing with with my tax for last year for for the year for the year just gone.","start":504.8,"end":514.535,"sentiment":"neutral","sentiment_score":-0.015724156918967593},{"text":"So I'll have a lot a lot of more accurate earnings for for last year and in the in the next week or so.","start":514.535,"end":523.755,"sentiment":"neutral","sentiment_score":0.06329139636363834}],"sentiment":"neutral","sentiment_score":-0.08536582268064931,"num_words":105,"start":486.44998,"end":523.755},{"sentences":[{"text":"Yes.","start":557.07,"end":557.38995,"sentiment":"neutral","sentiment_score":0.21987098455429077},{"text":"Sounds good.","start":557.38995,"end":558.20996,"sentiment":"positive","sentiment_score":0.45721113681793213},{"text":"Yeah.","start":592.5,"end":592.74,"sentiment":"neutral","sentiment_score":0.00364718958735466},{"text":"But, ma'am, I I'm pretty sure that was set because I had a mortgage at the time, but I no longer have the mortgage.","start":592.74,"end":598.89496,"sentiment":"neutral","sentiment_score":-0.12927205301821232},{"text":"Yeah.","start":604.39496,"end":604.71497,"sentiment":"neutral","sentiment_score":0.013293562456965446}],"sentiment":"neutral","sentiment_score":-0.06728604352422829,"num_words":29,"start":557.07,"end":604.71497},{"sentences":[{"text":"Yeah.","start":604.71497,"end":605.195,"sentiment":"neutral","sentiment_score":0.01757471077144146},{"text":"So re realistically, like, I could just get whatever is in the bank, couldn't Oh, I'd probably rather if it was just given to the kids directly, but for when they were 18 or twenty years after that.","start":605.195,"end":654.385,"sentiment":"neutral","sentiment_score":-0.07534421710787635},{"text":"11, nine, and six.","start":660.205,"end":661.98505,"sentiment":"neutral","sentiment_score":0.01971789333038032},{"text":"Yeah.","start":728.3,"end":728.54,"sentiment":"neutral","sentiment_score":0.20773035287857056},{"text":"That that that sounds sounds more like a a plan rather than just having whatever happens.","start":728.54,"end":733.44,"sentiment":"neutral","sentiment_score":0.19124845741316676}],"sentiment":"neutral","sentiment_score":0.008351195091381668,"num_words":60,"start":604.71497,"end":733.44},{"sentences":[{"text":"Yeah.","start":823.40497,"end":823.565,"sentiment":"neutral","sentiment_score":0.03779105842113495},{"text":"Yeah.","start":823.565,"end":823.805,"sentiment":"neutral","sentiment_score":0.03106247261166573},{"text":"Gotcha again.","start":823.805,"end":824.52496,"sentiment":"neutral","sentiment_score":0.0035432069562375546},{"text":"Gotcha again.","start":824.52496,"end":825.505,"sentiment":"neutral","sentiment_score":-0.020818376448005438},{"text":"All good.","start":829.725,"end":830.545,"sentiment":"neutral","sentiment_score":0.10893360152840614}],"sentiment":"neutral","sentiment_score":0.03152129938825965,"num_words":8,"start":823.40497,"end":830.545},{"sentences":[{"text":"I'm pretty much I'm pretty sure I I I got I got the majority.","start":836.8,"end":839.44,"sentiment":"neutral","sentiment_score":-0.044663487800530026},{"text":"But anyway, you said you were able to be able to email me some information about it.","start":839.44,"end":842.895,"sentiment":"neutral","sentiment_score":0.1421018295428332},{"text":"And Okay.","start":843.375,"end":845.075,"sentiment":"neutral","sentiment_score":0.11515414342284203},{"text":"Yeah.","start":845.775,"end":846.275,"sentiment":"neutral","sentiment_score":0.13246619701385498},{"text":"Yeah.","start":849.53503,"end":849.85504,"sentiment":"neutral","sentiment_score":0.2700459063053131}],"sentiment":"neutral","sentiment_score":0.06923607609101705,"num_words":35,"start":836.8,"end":849.85504},{"sentences":[{"text":"That that'd be great.","start":849.85504,"end":850.835,"sentiment":"positive","sentiment_score":0.46094638109207153},{"text":"Yep.","start":865.39,"end":865.79,"sentiment":"neutral","sentiment_score":0.24392257630825043},{"text":"Perfect.","start":865.79,"end":866.29,"sentiment":"positive","sentiment_score":0.6571037769317627}],"sentiment":"positive","sentiment_score":0.4574686462680499,"num_words":6,"start":849.85504,"end":866.29}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Karen speaking.\n\nChannel 0: Hi,\n\nChannel 1: Hello?\n\nChannel 0: Kieran. This is Dana from Oak hi, Kieran. It's Dana from Oakley Financial. How are you this afternoon?\n\nChannel 1: How's it going? Yourself?\n\nChannel 0: I'm very well. Thank you, Kieran. I had you booked in to go through your annual review this afternoon. Isn't that still a good time?\n\nChannel 1: Yep. Yep. Perfect. As long as you can hear me alright. I'm on the other hand\n\nChannel 0: Yeah.\n\nChannel 1: free.\n\nChannel 0: No. All all good. I can hear you perfectly fine. I do normally send you an email with some annual review documents there. Are you able to look at your emails?\n\nIf you can't, that's absolutely fine.\n\nChannel 1: And I won't be able for maybe twenty minutes.\n\nChannel 0: That's okay. Not an issue at all. What I'll do is I'll send the documents through for you to have a bit of a gander later on when you've got some time there. In the meantime, I'll just take you through the documents, let you know what we've got. We'll have a bit of a chat about where things are, what's happening with you super, and look at whatever new goals you might have as well.\n\nHow does that sound?\n\nChannel 1: Yeah. Sounds good.\n\nChannel 0: Fantastic. Kieran, before I jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with\n\nChannel 1: Sure thing. Yeah.\n\nChannel 0: that? Fantastic. And just a little quick security check there with you. I just need to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Kieran O'Connor, the fourth of the third nineteen eighty one, and\n\nChannel 0: Yep.\n\nChannel 1: 10 Edge Street, Murray.\n\nChannel 0: Fantastic. Thank you so much\n\nChannel 1: Thank\n\nChannel 0: for that.\n\nChannel 1: you.\n\nChannel 0: So I'm sure you're keen to have a bit of a look at what your super has been doing there for you. But is there anything else you wanted me to sort of touch touch on, any questions you have have for me today as part of your review?\n\nChannel 1: And I wouldn't mind I I I kinda I I kinda know I need to pay into it.\n\nChannel 0: Sorry. Pay into super?\n\nChannel 1: Yeah. I I I I know I need to get I I I need to make a bit more of an effort to pay into it. Is it like\n\nChannel 0: Oh, look. Honestly, I understand. But, no, this is something I definitely wanna have a chat to you about. And I've been seeing your superannuation, having a bit of look at your investments as well, and I've sort of determined we might be able to provide some advice. So we'll have a bit of a chat about what that looks like, what you're comfortable with, how your suit is being going.\n\nAnd, yeah, as I said, I've got some advice I can provide for you to update, a, your in investments within your super there, but we can also look at what contributions can do to help you moving forward as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Now just to sort of touch base on your last annual review you completed with us, your balance then was about 121,590 As of the July 6, so last week when we completed the documents, your balance then has gone up to 129,981. So you have seen an increase in your super over the last a bit over twelve months there. Just going to get your balance as of today's date for you as well because these documents were being prepared. So Marcus have had a little bit of a pullback.\n\nSo your balance today is about 128,895. So a little bit of a pullback in the market there. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: With your performance, now all of your investments have performed fairly well. I can see one investment in there that's underperforming a little bit as Australian bet along Australian equities investment. That one there has been dragging your portfolio back a little bit where everything else is kind of performing very nicely. As a whole, when you consider the total portfolio net of fees, you're up by 8.18%. So in all honesty, even though that one investment has sort of held your portfolio back a little bit, you've still made a decent return, and you've made over $12,000 in the last twelve months in growth and earnings.\n\nSo it is really good your portfolio has still been growing even without those additional contributions there, but certainly making additional contributions could definitely help moving forward for you as well. Okay?\n\nChannel 1: That\n\nChannel 0: All\n\nChannel 1: is\n\nChannel 0: good.\n\nChannel 1: pretty good.\n\nChannel 0: Karen,\n\nChannel 1: Alright.\n\nChannel 0: can you hear sorry. Can you hear me okay?\n\nChannel 1: I can. Yeah. Yeah. That\n\nChannel 0: Yeah.\n\nChannel 1: that that is pretty good. Considering the the insurance comes out of that as well, don't you?\n\nChannel 0: That's exactly right. Yeah. So at the moment with your insurance policy, you have your life, your TPD, and your income protection there. So your life and TPD, your sum insured is $374,007.28, and you currently have an income protection policy with a monthly benefit of 12,168. The total the insurances were paid for from your super for this is $6,394.09.\n\nSo your insurance premiums are very high, and they do come out of your super, and that does have an effect on the return as well. Yeah.\n\nChannel 1: Because, like,\n\nChannel 0: Yeah.\n\nChannel 1: like, life insurance, like, it's is is that is that is that a massive payout? Is this to say that the the the premium is so high?\n\nChannel 0: It's more to do with your income protection. So life and TPD, whilst you are on a level premium, which can make it a bit more expensive, you're actually the income protection is about 90% of your insurance cost essentially because income protection is the first thing we claim on. With your income protection benefit, it has a monthly benefit pretax of $12,168. So having a look, we might be able to look at maybe reducing or altering that insurance policy to kind of make it more cost effective for you. But just to sort of make sure with income protection, you can be covered, I have to double check on this policy because it's older.\n\nBut, normally, it's about 70 to 75% of your pretax income, and it pays in a monthly benefit if you're unable to go to work due to illness or injury. Just double checking. Income wise, you're a site manager, and you're self employed. Is that right?\n\nChannel 1: Yeah. Correct.\n\nChannel 0: Yeah. We had you earning about a 100,000 last financial year. Are you expecting to be able to earn the same amount this year?\n\nChannel 1: And, yeah, I'd be hoping so. I don't think I\n\nChannel 0: Yeah.\n\nChannel 1: earned that last\n\nChannel 0: No. That's okay. All good. So, look, I have to double check the policy. But, realistically, just general wise, if this policy is old enough that you can be covered for up to 75% of your current income, based on a 100,000 there, probably twelve months, it means that the monthly benefit claimable, you'd be able to claim up to $6,250.\n\nSo it looks like you might be over insured with the income protection benefit. Would you like me to go back and readjust the income protection so that it just covers what you're able to claim based on your income and try to reduce the cost a little bit for you?\n\nChannel 1: Yes. That would be good. And as long as I get to keep the same policy, because I'm pretty sure that policy pays out because I'm 75, isn't it, or 65?\n\nChannel 0: 65. Yeah. Yes. So we can we can maneuver and alter the monthly benefit without changing the waiting period or the benefit period. With this one here, you have a ninety day waiting period, so that means you just have to be off work for ninety days prior to making a claim.\n\nAnd with an age 65 benefit period means you can be on a claim up to the age of 65. Yeah. All good. That's okay. And you're you're happy that you're earning about a 100,000 per annum, and that would be fairly accurate?\n\nChannel 1: No. And as in as in taxable income?\n\nChannel 0: Yeah. So gross. Yeah.\n\nChannel 1: Yeah. I I I probably actually have to check the account because, like, I know I'd be on and off and, like, I've got the kids $50.50, so I can't work for a week.\n\nChannel 0: Yeah.\n\nChannel 1: So it's it's considerable. I I I think it'd be a good bit less than that, to be honest. And maybe\n\nChannel 0: Did you\n\nChannel 1: that's\n\nChannel 0: want\n\nChannel 1: something\n\nChannel 0: me\n\nChannel 1: I\n\nChannel 0: to?\n\nChannel 1: I I'm just in the process\n\nChannel 0: Yeah.\n\nChannel 1: of doing with with\n\nChannel 0: Okay.\n\nChannel 1: my tax for last year for for the year for the year just gone. So I'll have a lot a lot of more accurate earnings\n\nChannel 0: Estimate.\n\nChannel 1: for for last year\n\nChannel 0: Yep.\n\nChannel 1: and in the in the next week or so.\n\nChannel 0: That'd be fantastic. What I'll do is I'll get my admin team member to give you a call probably in about a week just to get the updated figure if that's possible. Because I'll go back and review your b to life policy. It is a much older policy, and I'll find out what the maximum you can be covered for under that policy is. And when I get an updated estimate of your income, I'll look to maybe reduce the policy back so you're getting you're able to claim on the maximum benefit, but that we can hopefully reduce the cost a little bit as well so less money is being deducted out of your super.\n\nDoes that sound okay?\n\nChannel 1: Yes. Sounds good.\n\nChannel 0: Beautiful. Beautiful. Now with your life and TBD, life cover obviously pays out a lump sum benefit to your beneficiaries in the event that you do pass away there. I never want that to happen to you, Karen, but with the current cover you have of 374,728 plus your super benefit is paid out on top of that to your beneficiaries. It currently, as a total, gives you a life benefit of a a bit over $504,000.\n\nAre you fairly comfortable with the amount of life cover you have at the moment?\n\nChannel 1: Yeah. But, ma'am, I I'm pretty sure that was set because I had a mortgage at the time, but I no longer have the mortgage.\n\nChannel 0: No. I can see that. Yeah. So you are renting now. Is that right?\n\nChannel 1: Yeah. Yeah. So re realistically, like, I could just get whatever is in the bank, couldn't\n\nChannel 0: Yeah. Well, honestly, you could, but the other side of it is what did what happens, you know, if you were to pass away, what is it that you want to have paid out? Because you made mention to me that you do have some kids. And, obviously, they, you know, have them sort of seven days every fortnight, sort of fifty fifty split with your ex. But does that like, in the event of you passing away, did you want maybe her to get some funds to keep looking after your kids to allow them for schooling, or did you wanna maybe have the money paid to the kids directly to give them some sort of starting benefit in the future?\n\nWhat would you want to happen to that money if you passed away?\n\nChannel 1: Oh, I'd probably rather if it was just given to the kids directly, but for when they were 18 or twenty years after that.\n\nChannel 0: Yeah. Absolutely. How old are the kids now?\n\nChannel 1: 11, nine, and six.\n\nChannel 0: Beautiful. So, realistically, with your life insurance now and you absolutely can. I'm just having a look at looks like you don't have beneficiaries nominated, so it is something I do wanna touch on. But because all of your kids are under the age of 18, in the event of you passing away, the benefit, whilst can be paid to them directly, always does get paid to their guardian. So it means if your ex is their guardian, that's the money you get paid to, and it's up to her to distribute the funds.\n\nAlternatively, you can apply a beneficiary nomination. It's called legal personal representative, and it means that in the event that you pass away, your super and your life insurance is paid to your estate. You then just need to make sure you have a will up to date, which nominates your children as the beneficiary, and you can have the money put into, like, a testamentary trust, noting maybe someone you trust to be the executor or the trustee of that trust, and that money can be held and sort of paid out or distributed to the kids as you prefer. That way, they receive the funds, and it can be used to help schooling. It gives you a lot more control.\n\nDoes that make sense?\n\nChannel 1: Yeah. That that that sounds sounds more like a a plan rather than just having whatever happens.\n\nChannel 0: Absolutely. I mean, I've got three kids myself, and the last thing I would want is in any, you know, any case for them to be unable to, you know, cover the cost of schooling or have a bit of a head start. I mean, at the end of the day, if anything happened, they'd be losing a parent, and that would be a huge, huge cost to them. You know, a lot of kids do have trouble coming back from that, and so leaving them something isn't a bad thing at all. You could have it equally shared up between the three kids.\n\nYou know, having that trust and doing it all through your will does give you a lot more control. I can safely tell you I'm a person of divorce as well. So my older kids were to my ex husband, and I had to set my estate planning up that way as well to make sure that my ex got no money and that it all did get distributed to my children. And it just provides you with a lot more say around what happens to the funds and making sure it does go to your kids. So it is a great way to do so.\n\nYou can set up a a will very simply by speaking to a local solicitor. We can always send you the information of a local solicitor here that we can refer you through to. Or if you contact all the states have, like, local trustees and state offices that can help with that wheel very cheaply, I can find that information to email it to you if you like. This is a bit of a an idea of what else what else is out there and how much it might cost to drive a wheel. Are you there, Karen?\n\nLucy?\n\nChannel 1: Yeah. Yeah. Gotcha again. Gotcha again.\n\nChannel 0: Sorry. I drop I must have dropped out. I do apologize.\n\nChannel 1: All good.\n\nChannel 0: That's okay. Did you catch all that? Did I drop out before the end of that? Sorry.\n\nChannel 1: I'm pretty much I'm pretty sure I I I got I got the majority. But anyway, you said you were able to be able to email me some information about it. And\n\nChannel 0: Absolutely.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: You're hap you got me to do that for you? Yeah. Absolutely.\n\nChannel 1: Yeah. That that'd\n\nChannel 0: I'll\n\nChannel 1: be great.\n\nChannel 0: email some information through on a bit of a top up around the estate planning side of things and drawing for will and, you know, how that can provide a bit of a benefit for you to have a look at some costing as well so you can sort of see and weigh up your options and how you'd like to do that. Okay?\n\nChannel 1: Yep. Perfect.\n\nChannel 0: Beautiful. Now the other thing you do have here insurance wise is TBD. So you have the same level of cover as your life insurance, so $374,007.28 TPD, in the event of you being unable to go back to work again, would have to sort of cover income expenditure and keep you living as long as you can. You can, with TPD, also claim on your super as well. So, again, it gives you just over $500,000 of cover between the insurance and your super benefit.\n\nAre you fairly comfortable with that level? Did you wanna look at reviewing that all? Karen, did I lose you again? Hello, Karen? Can you hear me?\n\nHello, Karen? Can you hear me at all? Hello, Kieran. Can you hear me at all?","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":0.96,"sentiment":"neutral","sentiment_score":0.015277067199349403},{"text":"Karen speaking.","start":0.96,"end":1.78,"sentiment":"neutral","sentiment_score":0.01951218955218792}],"sentiment":"neutral","sentiment_score":0.01810048210124175,"channel":1,"num_words":3,"start":0.56,"end":1.78},{"sentences":[{"text":"Hi,","start":5.68,"end":6.0,"sentiment":"neutral","sentiment_score":0.07693726569414139}],"sentiment":"neutral","sentiment_score":0.07693726569414139,"channel":0,"num_words":1,"start":5.68,"end":6.0},{"sentences":[{"text":"Hello?","start":6.0,"end":6.5,"sentiment":"neutral","sentiment_score":0.0730632096529007}],"sentiment":"neutral","sentiment_score":0.0730632096529007,"channel":1,"num_words":1,"start":6.0,"end":6.5},{"sentences":[{"text":"Kieran.","start":6.0,"end":6.3199997,"sentiment":"neutral","sentiment_score":0.08174721896648407},{"text":"This is Dana from Oak hi, Kieran.","start":6.3199997,"end":8.08,"sentiment":"neutral","sentiment_score":0.11515040163482938},{"text":"It's Dana from Oakley Financial.","start":8.08,"end":9.62,"sentiment":"neutral","sentiment_score":0.1495816022157669},{"text":"How are you this afternoon?","start":9.679999,"end":10.9,"sentiment":"neutral","sentiment_score":0.2370803952217102}],"sentiment":"neutral","sentiment_score":0.15672833431098196,"channel":0,"num_words":18,"start":6.0,"end":10.9},{"sentences":[{"text":"How's it going?","start":12.0,"end":12.559999,"sentiment":"neutral","sentiment_score":0.1980743259191513},{"text":"Yourself?","start":12.559999,"end":13.059999,"sentiment":"neutral","sentiment_score":0.1333032101392746}],"sentiment":"neutral","sentiment_score":0.18188154697418213,"channel":1,"num_words":4,"start":12.0,"end":13.059999},{"sentences":[{"text":"I'm very well.","start":13.8550005,"end":14.655001,"sentiment":"positive","sentiment_score":0.5119436184565226},{"text":"Thank you, Kieran.","start":14.655001,"end":15.375,"sentiment":"positive","sentiment_score":0.5436785618464152},{"text":"I had you booked in to go through your annual review this afternoon.","start":15.375,"end":17.935001,"sentiment":"neutral","sentiment_score":0.1121043018423594},{"text":"Isn't that still a good time?","start":17.935001,"end":19.235,"sentiment":"neutral","sentiment_score":0.08402682282030582}],"sentiment":"neutral","sentiment_score":0.2051353360712528,"channel":0,"num_words":25,"start":13.8550005,"end":19.235},{"sentences":[{"text":"Yep.","start":20.705,"end":21.105,"sentiment":"neutral","sentiment_score":0.056332677602767944},{"text":"Yep.","start":21.105,"end":21.425,"sentiment":"neutral","sentiment_score":0.09236355870962144},{"text":"Perfect.","start":21.425,"end":21.904999,"sentiment":"neutral","sentiment_score":0.23871226608753204},{"text":"As long as you can hear me alright.","start":21.904999,"end":23.185001,"sentiment":"neutral","sentiment_score":0.09546331781893969},{"text":"I'm on the other hand","start":23.185001,"end":24.064999,"sentiment":"neutral","sentiment_score":0.05293000787496567}],"sentiment":"neutral","sentiment_score":0.0884853177703917,"channel":1,"num_words":16,"start":20.705,"end":24.064999},{"sentences":[{"text":"Yeah.","start":24.015,"end":24.515,"sentiment":"neutral","sentiment_score":0.0693037360906601}],"sentiment":"neutral","sentiment_score":0.0693037360906601,"channel":0,"num_words":1,"start":24.015,"end":24.515},{"sentences":[{"text":"free.","start":24.064999,"end":24.564999,"sentiment":"neutral","sentiment_score":0.07171005755662918}],"sentiment":"neutral","sentiment_score":0.07171005755662918,"channel":1,"num_words":1,"start":24.064999,"end":24.564999},{"sentences":[{"text":"No.","start":25.26,"end":25.5,"sentiment":"neutral","sentiment_score":0.0529886856675148},{"text":"All all good.","start":25.5,"end":26.060001,"sentiment":"neutral","sentiment_score":0.2200477570295334},{"text":"I can hear you perfectly fine.","start":26.060001,"end":28.0,"sentiment":"neutral","sentiment_score":0.2268394653995832},{"text":"I do normally send you an email with some annual review documents there.","start":28.460001,"end":31.42,"sentiment":"neutral","sentiment_score":0.06268488013973603},{"text":"Are you able to look at your emails?","start":31.42,"end":32.940002,"sentiment":"neutral","sentiment_score":0.03228869801387191}],"sentiment":"neutral","sentiment_score":0.1015284443574567,"channel":0,"num_words":31,"start":25.26,"end":32.940002},{"sentences":[{"text":"If you can't, that's absolutely fine.","start":32.940002,"end":34.8,"sentiment":"neutral","sentiment_score":0.05281193243960539}],"sentiment":"neutral","sentiment_score":0.05281193243960539,"channel":0,"num_words":6,"start":32.940002,"end":34.8},{"sentences":[{"text":"And I won't be able for maybe twenty minutes.","start":36.260002,"end":40.905,"sentiment":"neutral","sentiment_score":0.022061278215712972}],"sentiment":"neutral","sentiment_score":0.022061278215712972,"channel":1,"num_words":9,"start":36.260002,"end":40.905},{"sentences":[{"text":"That's okay.","start":41.515,"end":42.234997,"sentiment":"neutral","sentiment_score":0.14398416876792908},{"text":"Not an issue at all.","start":42.234997,"end":43.195,"sentiment":"neutral","sentiment_score":0.13260440826416015},{"text":"What I'll do is I'll send the documents through for you to have a bit of a gander later on when you've got some time there.","start":43.195,"end":48.175,"sentiment":"neutral","sentiment_score":0.15551965941603368},{"text":"In the meantime, I'll just take you through the documents, let you know what we've got.","start":48.315,"end":51.274998,"sentiment":"neutral","sentiment_score":0.14810256334021688},{"text":"We'll have a bit of a chat about where things are, what's happening with you super, and look at whatever new goals you might have as well.","start":51.274998,"end":57.46,"sentiment":"neutral","sentiment_score":0.15357399124790122}],"sentiment":"neutral","sentiment_score":0.15145579343171497,"channel":0,"num_words":76,"start":41.515,"end":57.46},{"sentences":[{"text":"How does that sound?","start":57.46,"end":58.52,"sentiment":"neutral","sentiment_score":0.11129775829613209}],"sentiment":"neutral","sentiment_score":0.11129775829613209,"channel":0,"num_words":4,"start":57.46,"end":58.52},{"sentences":[{"text":"Yeah.","start":59.42,"end":59.9,"sentiment":"neutral","sentiment_score":0.17746303975582123},{"text":"Sounds good.","start":59.9,"end":60.64,"sentiment":"positive","sentiment_score":0.3734976202249527}],"sentiment":"neutral","sentiment_score":0.30815276006857556,"channel":1,"num_words":3,"start":59.42,"end":60.64},{"sentences":[{"text":"Fantastic.","start":61.22,"end":61.72,"sentiment":"positive","sentiment_score":0.4809491634368897},{"text":"Kieran, before I jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":62.58,"end":67.4,"sentiment":"neutral","sentiment_score":0.2080677801912481},{"text":"Are you happy for me to proceed with","start":67.46,"end":70.604996,"sentiment":"neutral","sentiment_score":0.245198717340827}],"sentiment":"neutral","sentiment_score":0.22645258278616012,"channel":0,"num_words":31,"start":61.22,"end":70.604996},{"sentences":[{"text":"Sure thing.","start":70.455,"end":70.935005,"sentiment":"neutral","sentiment_score":0.18502675741910934},{"text":"Yeah.","start":70.935005,"end":71.435005,"sentiment":"neutral","sentiment_score":0.10994232445955276}],"sentiment":"neutral","sentiment_score":0.15999861309925714,"channel":1,"num_words":3,"start":70.455,"end":71.435005},{"sentences":[{"text":"that?","start":71.005,"end":71.505,"sentiment":"neutral","sentiment_score":0.1630701720714569},{"text":"Fantastic.","start":71.905,"end":72.405,"sentiment":"positive","sentiment_score":0.34664231538772583},{"text":"And just a little quick security check there with you.","start":72.465,"end":74.465,"sentiment":"neutral","sentiment_score":0.1632159762084484},{"text":"I just need to confirm your full name, your date of birth, and address I should have on file.","start":74.465,"end":78.405,"sentiment":"neutral","sentiment_score":0.13719461505350314}],"sentiment":"neutral","sentiment_score":0.15317967534065247,"channel":0,"num_words":31,"start":71.005,"end":78.405},{"sentences":[{"text":"Kieran O'Connor, the fourth of the third nineteen eighty one, and","start":80.055,"end":84.340004,"sentiment":"neutral","sentiment_score":0.09551678191531789}],"sentiment":"neutral","sentiment_score":0.09551678191531789,"channel":1,"num_words":11,"start":80.055,"end":84.340004},{"sentences":[{"text":"Yep.","start":84.159996,"end":84.659996,"sentiment":"neutral","sentiment_score":0.05724773928523064}],"sentiment":"neutral","sentiment_score":0.05724773928523064,"channel":0,"num_words":1,"start":84.159996,"end":84.659996},{"sentences":[{"text":"10 Edge Street, Murray.","start":84.340004,"end":86.04,"sentiment":"neutral","sentiment_score":0.06512488890439272}],"sentiment":"neutral","sentiment_score":0.06512488890439272,"channel":1,"num_words":4,"start":84.340004,"end":86.04},{"sentences":[{"text":"Fantastic.","start":86.799995,"end":87.299995,"sentiment":"positive","sentiment_score":0.4405704438686371},{"text":"Thank you so much","start":87.6,"end":88.56,"sentiment":"positive","sentiment_score":0.4941781386733055}],"sentiment":"positive","sentiment_score":0.4834565997123718,"channel":0,"num_words":5,"start":86.799995,"end":88.56},{"sentences":[{"text":"Thank","start":88.420006,"end":88.740005,"sentiment":"positive","sentiment_score":0.5944489240646362}],"sentiment":"positive","sentiment_score":0.5944489240646362,"channel":1,"num_words":1,"start":88.420006,"end":88.740005},{"sentences":[{"text":"for that.","start":88.56,"end":89.119995,"sentiment":"positive","sentiment_score":0.6552290618419647}],"sentiment":"positive","sentiment_score":0.6552290618419647,"channel":0,"num_words":2,"start":88.56,"end":89.119995},{"sentences":[{"text":"you.","start":88.740005,"end":89.240005,"sentiment":"positive","sentiment_score":0.4337018132209778}],"sentiment":"positive","sentiment_score":0.4337018132209778,"channel":1,"num_words":1,"start":88.740005,"end":89.240005},{"sentences":[{"text":"So I'm sure you're keen to have a bit of a look at what your super has been doing there for you.","start":89.119995,"end":92.88,"sentiment":"neutral","sentiment_score":0.3273449885574254},{"text":"But is there anything else you wanted me to sort of touch touch on, any questions you have have for me today as part of your review?","start":92.88,"end":98.355,"sentiment":"neutral","sentiment_score":0.11708064556673721}],"sentiment":"neutral","sentiment_score":0.21148504446051558,"channel":0,"num_words":49,"start":89.119995,"end":98.355},{"sentences":[{"text":"And I wouldn't mind I I I kinda I I kinda know I need to pay into it.","start":100.835,"end":108.775,"sentiment":"neutral","sentiment_score":-0.2199437947322925}],"sentiment":"neutral","sentiment_score":-0.2199437947322925,"channel":1,"num_words":18,"start":100.835,"end":108.775},{"sentences":[{"text":"Sorry.","start":110.59,"end":110.83,"sentiment":"neutral","sentiment_score":-0.09934261441230774},{"text":"Pay into super?","start":110.83,"end":111.89,"sentiment":"neutral","sentiment_score":-0.09066922217607498}],"sentiment":"neutral","sentiment_score":-0.09283757023513317,"channel":0,"num_words":4,"start":110.59,"end":111.89},{"sentences":[{"text":"Yeah.","start":112.67,"end":112.99,"sentiment":"neutral","sentiment_score":-0.06430920958518982},{"text":"I I I I know I need to get I I I need to make a bit more of an effort to pay into it.","start":112.99,"end":117.81,"sentiment":"neutral","sentiment_score":-0.15362177550792694},{"text":"Is it like","start":117.95,"end":118.770004,"sentiment":"neutral","sentiment_score":-0.030051649858554203}],"sentiment":"neutral","sentiment_score":-0.13775891540893193,"channel":1,"num_words":29,"start":112.67,"end":118.770004},{"sentences":[{"text":"Oh, look.","start":119.505,"end":120.145,"sentiment":"neutral","sentiment_score":-0.009825559332966805},{"text":"Honestly, I understand.","start":120.145,"end":121.445,"sentiment":"neutral","sentiment_score":-0.02333121622602145},{"text":"But, no, this is something I definitely wanna have a chat to you about.","start":121.745,"end":124.565,"sentiment":"neutral","sentiment_score":0.06910309993794986},{"text":"And I've been seeing your superannuation, having a bit of look at your investments as well, and I've sort of determined we might be able to provide some advice.","start":125.265,"end":133.025,"sentiment":"neutral","sentiment_score":0.1917703123442058},{"text":"So we'll have a bit of a chat about what that looks like, what you're comfortable with, how your suit is being going.","start":133.025,"end":138.72,"sentiment":"neutral","sentiment_score":0.24572323489448297}],"sentiment":"neutral","sentiment_score":0.17029256468087856,"channel":0,"num_words":71,"start":119.505,"end":138.72},{"sentences":[{"text":"And, yeah, as I said, I've got some advice I can provide for you to update, a, your in investments within your super there, but we can also look at what contributions can do to help you moving forward as well.","start":139.26,"end":151.195,"sentiment":"neutral","sentiment_score":0.27470795156025307},{"text":"Okay?","start":151.195,"end":151.695,"sentiment":"neutral","sentiment_score":0.15718352794647217}],"sentiment":"neutral","sentiment_score":0.27190975099802017,"channel":0,"num_words":42,"start":139.26,"end":151.695},{"sentences":[{"text":"Yep.","start":153.01001,"end":153.345,"sentiment":"positive","sentiment_score":0.3999589681625366}],"sentiment":"positive","sentiment_score":0.3999589681625366,"channel":1,"num_words":1,"start":153.01001,"end":153.345},{"sentences":[{"text":"Beautiful.","start":154.155,"end":154.655,"sentiment":"positive","sentiment_score":0.6846997141838074},{"text":"Now just to sort of touch base on your last annual review you completed with us, your balance then was about 121,590 As of the July 6, so last week when we completed the documents, your balance then has gone up to 129,981.","start":154.875,"end":173.48999,"sentiment":"neutral","sentiment_score":0.13281665517147198},{"text":"So you have seen an increase in your super over the last a bit over twelve months there.","start":173.48999,"end":178.70999,"sentiment":"neutral","sentiment_score":0.2508423460854424},{"text":"Just going to get your balance as of today's date for you as well because these documents were being prepared.","start":179.71501,"end":185.175,"sentiment":"neutral","sentiment_score":0.12427973859012127},{"text":"So Marcus have had a little bit of a pullback.","start":185.955,"end":188.13501,"sentiment":"negative","sentiment_score":-0.3760409578680992}],"sentiment":"neutral","sentiment_score":0.10474090553496195,"channel":0,"num_words":92,"start":154.155,"end":188.13501},{"sentences":[{"text":"So your balance today is about 128,895.","start":188.195,"end":193.5,"sentiment":"neutral","sentiment_score":-0.16603553082261766},{"text":"So a little bit of a pullback in the market there.","start":193.5,"end":195.98001,"sentiment":"neutral","sentiment_score":-0.2500714740969918},{"text":"Okay?","start":195.98001,"end":196.48001,"sentiment":"neutral","sentiment_score":-0.0380144976079464}],"sentiment":"neutral","sentiment_score":-0.20794996991753578,"channel":0,"num_words":19,"start":188.195,"end":196.48001},{"sentences":[{"text":"Yeah.","start":197.76001,"end":198.26001,"sentiment":"neutral","sentiment_score":0.01405450701713562}],"sentiment":"neutral","sentiment_score":0.01405450701713562,"channel":1,"num_words":1,"start":197.76001,"end":198.26001},{"sentences":[{"text":"With your performance, now all of your investments have performed fairly well.","start":198.70001,"end":202.86,"sentiment":"neutral","sentiment_score":0.16674209324022135},{"text":"I can see one investment in there that's underperforming a little bit as Australian bet along Australian equities investment.","start":203.1,"end":209.60501,"sentiment":"neutral","sentiment_score":-0.1613583023610868},{"text":"That one there has been dragging your portfolio back a little bit where everything else is kind of performing very nicely.","start":210.30501,"end":216.32501,"sentiment":"neutral","sentiment_score":-0.16024629842667354},{"text":"As a whole, when you consider the total portfolio net of fees, you're up by 8.18%.","start":217.02501,"end":223.31999,"sentiment":"neutral","sentiment_score":0.2995899533852935},{"text":"So in all honesty, even though that one investment has sort of held your portfolio back a little bit, you've still made a decent return, and you've made over $12,000 in the last twelve months in growth and earnings.","start":223.31999,"end":235.66,"sentiment":"positive","sentiment_score":0.434995357806866}],"sentiment":"neutral","sentiment_score":0.16194563846443302,"channel":0,"num_words":107,"start":198.70001,"end":235.66},{"sentences":[{"text":"So it is really good your portfolio has still been growing even without those additional contributions there, but certainly making additional contributions could definitely help moving forward for you as well.","start":235.8,"end":247.195,"sentiment":"positive","sentiment_score":0.6729139483744099},{"text":"Okay?","start":247.195,"end":247.695,"sentiment":"neutral","sentiment_score":0.273783415555954}],"sentiment":"positive","sentiment_score":0.6604411192238331,"channel":0,"num_words":32,"start":235.8,"end":247.695},{"sentences":[{"text":"That","start":252.6,"end":252.76001,"sentiment":"positive","sentiment_score":0.3997175693511963}],"sentiment":"positive","sentiment_score":0.3997175693511963,"channel":1,"num_words":1,"start":252.6,"end":252.76001},{"sentences":[{"text":"All","start":252.65,"end":252.89,"sentiment":"positive","sentiment_score":0.5798709392547607}],"sentiment":"positive","sentiment_score":0.5798709392547607,"channel":0,"num_words":1,"start":252.65,"end":252.89},{"sentences":[{"text":"is","start":252.76001,"end":253.0,"sentiment":"positive","sentiment_score":0.661457896232605}],"sentiment":"positive","sentiment_score":0.661457896232605,"channel":1,"num_words":1,"start":252.76001,"end":253.0},{"sentences":[{"text":"good.","start":252.89,"end":253.21,"sentiment":"positive","sentiment_score":0.5894589424133301}],"sentiment":"positive","sentiment_score":0.5894589424133301,"channel":0,"num_words":1,"start":252.89,"end":253.21},{"sentences":[{"text":"pretty good.","start":253.0,"end":253.40001,"sentiment":"positive","sentiment_score":0.5295230746269226}],"sentiment":"positive","sentiment_score":0.5295230746269226,"channel":1,"num_words":2,"start":253.0,"end":253.40001},{"sentences":[{"text":"Karen,","start":253.21,"end":253.53,"sentiment":"neutral","sentiment_score":0.0562254935503006}],"sentiment":"neutral","sentiment_score":0.0562254935503006,"channel":0,"num_words":1,"start":253.21,"end":253.53},{"sentences":[{"text":"Alright.","start":253.40001,"end":253.90001,"sentiment":"neutral","sentiment_score":0.05942944809794426}],"sentiment":"neutral","sentiment_score":0.05942944809794426,"channel":1,"num_words":1,"start":253.40001,"end":253.90001},{"sentences":[{"text":"can you hear sorry.","start":253.53,"end":255.05,"sentiment":"neutral","sentiment_score":-0.004116458352655172},{"text":"Can you hear me okay?","start":255.05,"end":256.19,"sentiment":"neutral","sentiment_score":-0.0164558881893754}],"sentiment":"neutral","sentiment_score":-0.010971697150833078,"channel":0,"num_words":9,"start":253.53,"end":256.19},{"sentences":[{"text":"I can.","start":257.16,"end":257.56,"sentiment":"neutral","sentiment_score":0.016179456375539303},{"text":"Yeah.","start":257.56,"end":257.88,"sentiment":"neutral","sentiment_score":0.06290143728256226},{"text":"Yeah.","start":257.88,"end":258.38,"sentiment":"neutral","sentiment_score":0.08445330709218979},{"text":"That","start":258.44,"end":258.76,"sentiment":"neutral","sentiment_score":0.10411087423563004}],"sentiment":"neutral","sentiment_score":0.05676490627229214,"channel":1,"num_words":5,"start":257.16,"end":258.76},{"sentences":[{"text":"Yeah.","start":258.73,"end":259.23,"sentiment":"neutral","sentiment_score":0.20368553698062897}],"sentiment":"neutral","sentiment_score":0.20368553698062897,"channel":0,"num_words":1,"start":258.73,"end":259.23},{"sentences":[{"text":"that that is pretty good.","start":258.76,"end":259.8,"sentiment":"positive","sentiment_score":0.42685893177986145},{"text":"Considering the the insurance comes out of that as well, don't you?","start":259.8,"end":263.34,"sentiment":"neutral","sentiment_score":0.07515745827307303}],"sentiment":"neutral","sentiment_score":0.1785990681280108,"channel":1,"num_words":17,"start":258.76,"end":263.34},{"sentences":[{"text":"That's exactly right.","start":263.46503,"end":264.74503,"sentiment":"neutral","sentiment_score":0.1337625781695048},{"text":"Yeah.","start":264.74503,"end":265.065,"sentiment":"neutral","sentiment_score":0.08191919326782227},{"text":"So at the moment with your insurance policy, you have your life, your TPD, and your income protection there.","start":265.065,"end":271.065,"sentiment":"neutral","sentiment_score":0.042731435675370064},{"text":"So your life and TPD, your sum insured is $374,007.28, and you currently have an income protection policy with a monthly benefit of 12,168.","start":271.065,"end":284.43,"sentiment":"neutral","sentiment_score":0.049899008590728045},{"text":"The total the insurances were paid for from your super for this is $6,394.09.","start":284.81,"end":293.42502,"sentiment":"neutral","sentiment_score":0.0445489769003221}],"sentiment":"neutral","sentiment_score":0.05108796866213689,"channel":0,"num_words":61,"start":263.46503,"end":293.42502},{"sentences":[{"text":"So your insurance premiums are very high, and they do come out of your super, and that does have an effect on the return as well.","start":293.42502,"end":301.025,"sentiment":"neutral","sentiment_score":-0.006690325072178474},{"text":"Yeah.","start":301.025,"end":301.525,"sentiment":"neutral","sentiment_score":-0.0007583033293485641}],"sentiment":"neutral","sentiment_score":-0.006470620563184774,"channel":0,"num_words":27,"start":293.42502,"end":301.525},{"sentences":[{"text":"Because, like,","start":304.42502,"end":305.565,"sentiment":"neutral","sentiment_score":-0.0038526193238794804}],"sentiment":"neutral","sentiment_score":-0.0038526193238794804,"channel":1,"num_words":2,"start":304.42502,"end":305.565},{"sentences":[{"text":"Yeah.","start":305.12,"end":305.62,"sentiment":"neutral","sentiment_score":-0.007244409993290901}],"sentiment":"neutral","sentiment_score":-0.007244409993290901,"channel":0,"num_words":1,"start":305.12,"end":305.62},{"sentences":[{"text":"like, life insurance, like, it's is is that is that is that a massive payout?","start":306.56998,"end":314.16998,"sentiment":"neutral","sentiment_score":-0.03419088249405225},{"text":"Is this to say that the the the premium is so high?","start":314.16998,"end":317.31,"sentiment":"neutral","sentiment_score":-0.09589360343913238}],"sentiment":"neutral","sentiment_score":-0.06161431402519897,"channel":1,"num_words":27,"start":306.56998,"end":317.31},{"sentences":[{"text":"It's more to do with your income protection.","start":319.375,"end":321.315,"sentiment":"neutral","sentiment_score":-0.0897128889337182},{"text":"So life and TPD, whilst you are on a level premium, which can make it a bit more expensive, you're actually the income protection is about 90% of your insurance cost essentially because income protection is the first thing we claim on.","start":321.45502,"end":334.43,"sentiment":"neutral","sentiment_score":-0.007971188663283274},{"text":"With your income protection benefit, it has a monthly benefit pretax of $12,168.","start":334.97,"end":343.375,"sentiment":"neutral","sentiment_score":0.05351372686429666},{"text":"So having a look, we might be able to look at maybe reducing or altering that insurance policy to kind of make it more cost effective for you.","start":343.755,"end":351.215,"sentiment":"neutral","sentiment_score":0.11902101577392646},{"text":"But just to sort of make sure with income protection, you can be covered, I have to double check on this policy because it's older.","start":351.515,"end":358.21,"sentiment":"neutral","sentiment_score":0.009683014154434203}],"sentiment":"neutral","sentiment_score":0.0277400793917156,"channel":0,"num_words":116,"start":319.375,"end":358.21},{"sentences":[{"text":"But, normally, it's about 70 to 75% of your pretax income, and it pays in a monthly benefit if you're unable to go to work due to illness or injury.","start":358.43,"end":367.97,"sentiment":"neutral","sentiment_score":-0.012676713118950526},{"text":"Just double checking.","start":368.515,"end":369.655,"sentiment":"neutral","sentiment_score":0.01046230768163999},{"text":"Income wise, you're a site manager, and you're self employed.","start":369.795,"end":374.67502,"sentiment":"neutral","sentiment_score":0.021692796237766744},{"text":"Is that right?","start":374.67502,"end":375.655,"sentiment":"neutral","sentiment_score":0.048177735259135566}],"sentiment":"neutral","sentiment_score":0.00027275429633648513,"channel":0,"num_words":46,"start":358.43,"end":375.655},{"sentences":[{"text":"Yeah.","start":376.48,"end":376.72,"sentiment":"neutral","sentiment_score":0.04866179823875427},{"text":"Correct.","start":376.72,"end":377.22,"sentiment":"neutral","sentiment_score":0.0718727856874466}],"sentiment":"neutral","sentiment_score":0.06026729196310043,"channel":1,"num_words":2,"start":376.48,"end":377.22},{"sentences":[{"text":"Yeah.","start":377.795,"end":378.27502,"sentiment":"neutral","sentiment_score":0.05393505096435547},{"text":"We had you earning about a 100,000 last financial year.","start":378.27502,"end":382.195,"sentiment":"neutral","sentiment_score":0.040862281993031505},{"text":"Are you expecting to be able to earn the same amount this year?","start":382.195,"end":385.77002,"sentiment":"neutral","sentiment_score":0.029651592987088058}],"sentiment":"neutral","sentiment_score":0.035334524155283965,"channel":0,"num_words":24,"start":377.795,"end":385.77002},{"sentences":[{"text":"And, yeah, I'd be hoping so.","start":387.495,"end":389.27502,"sentiment":"neutral","sentiment_score":-0.002193309754754106},{"text":"I don't think I","start":389.815,"end":390.45502,"sentiment":"neutral","sentiment_score":-0.0592749509960413}],"sentiment":"neutral","sentiment_score":-0.02502596625126898,"channel":1,"num_words":10,"start":387.495,"end":390.45502},{"sentences":[{"text":"Yeah.","start":390.39,"end":390.89,"sentiment":"neutral","sentiment_score":-0.03158004581928253}],"sentiment":"neutral","sentiment_score":-0.03158004581928253,"channel":0,"num_words":1,"start":390.39,"end":390.89},{"sentences":[{"text":"earned that last","start":390.45502,"end":391.435,"sentiment":"neutral","sentiment_score":-0.041186582297086716}],"sentiment":"neutral","sentiment_score":-0.041186582297086716,"channel":1,"num_words":3,"start":390.45502,"end":391.435},{"sentences":[{"text":"No.","start":392.47,"end":392.71002,"sentiment":"neutral","sentiment_score":-0.06901230663061142},{"text":"That's okay.","start":392.71002,"end":393.61002,"sentiment":"neutral","sentiment_score":0.056401778012514114},{"text":"All good.","start":393.99002,"end":394.63,"sentiment":"neutral","sentiment_score":0.2554541528224945},{"text":"So, look, I have to double check the policy.","start":394.63,"end":396.675,"sentiment":"neutral","sentiment_score":-0.0008033166329065958},{"text":"But, realistically, just general wise, if this policy is old enough that you can be covered for up to 75% of your current income, based on a 100,000 there, probably twelve months, it means that the monthly benefit claimable, you'd be able to claim up to $6,250.","start":396.675,"end":417.29,"sentiment":"neutral","sentiment_score":0.003524775914055236}],"sentiment":"neutral","sentiment_score":0.011690724152522008,"channel":0,"num_words":61,"start":392.47,"end":417.29},{"sentences":[{"text":"So it looks like you might be over insured with the income protection benefit.","start":417.29,"end":421.23,"sentiment":"neutral","sentiment_score":-0.10907494329980441},{"text":"Would you like me to go back and readjust the income protection so that it just covers what you're able to claim based on your income and try to reduce the cost a little bit for you?","start":421.57498,"end":431.51498,"sentiment":"neutral","sentiment_score":0.017331620728647388}],"sentiment":"neutral","sentiment_score":-0.017368220377202127,"channel":0,"num_words":51,"start":417.29,"end":431.51498},{"sentences":[{"text":"Yes.","start":432.66,"end":433.095,"sentiment":"neutral","sentiment_score":0.18108829855918884},{"text":"That would be good.","start":433.175,"end":434.315,"sentiment":"neutral","sentiment_score":0.3260069414973259},{"text":"And as long as I get to keep the same policy, because I'm pretty sure that policy pays out because I'm 75, isn't it, or 65?","start":434.375,"end":441.195,"sentiment":"neutral","sentiment_score":0.24003222985909536}],"sentiment":"neutral","sentiment_score":0.2492243238995152,"channel":1,"num_words":31,"start":432.66,"end":441.195},{"sentences":[{"text":"65.","start":441.27002,"end":442.23,"sentiment":"neutral","sentiment_score":0.072395458817482},{"text":"Yeah.","start":442.23,"end":442.71,"sentiment":"neutral","sentiment_score":0.15526935458183289},{"text":"Yes.","start":442.71,"end":443.03,"sentiment":"neutral","sentiment_score":0.2234603762626648},{"text":"So we can we can maneuver and alter the monthly benefit without changing the waiting period or the benefit period.","start":443.03,"end":450.72498,"sentiment":"neutral","sentiment_score":0.1899467684328556},{"text":"With this one here, you have a ninety day waiting period, so that means you just have to be off work for ninety days prior to making a claim.","start":451.585,"end":457.925,"sentiment":"neutral","sentiment_score":0.15022973330884143}],"sentiment":"neutral","sentiment_score":0.16551390046683642,"channel":0,"num_words":52,"start":441.27002,"end":457.925},{"sentences":[{"text":"And with an age 65 benefit period means you can be on a claim up to the age of 65.","start":458.17,"end":463.47,"sentiment":"neutral","sentiment_score":0.08606996443122625},{"text":"Yeah.","start":467.13,"end":467.63,"sentiment":"positive","sentiment_score":0.41874706745147705},{"text":"All good.","start":469.85,"end":470.51,"sentiment":"positive","sentiment_score":0.6323421597480774},{"text":"That's okay.","start":471.345,"end":473.425,"sentiment":"positive","sentiment_score":0.5862250924110413},{"text":"And you're you're happy that you're earning about a 100,000 per annum, and that would be fairly accurate?","start":473.425,"end":478.805,"sentiment":"positive","sentiment_score":0.49365191327200997}],"sentiment":"neutral","sentiment_score":0.31309337905326556,"channel":0,"num_words":43,"start":458.17,"end":478.805},{"sentences":[{"text":"No.","start":480.12997,"end":480.62997,"sentiment":"neutral","sentiment_score":-0.09482903778553008},{"text":"And as in as in taxable income?","start":480.77,"end":482.94998,"sentiment":"neutral","sentiment_score":-0.05537517049482891}],"sentiment":"neutral","sentiment_score":-0.060306903906166553,"channel":1,"num_words":8,"start":480.12997,"end":482.94998},{"sentences":[{"text":"Yeah.","start":483.59998,"end":484.08,"sentiment":"neutral","sentiment_score":-0.019862519577145576},{"text":"So gross.","start":484.08,"end":484.9,"sentiment":"neutral","sentiment_score":-0.02637023013085127},{"text":"Yeah.","start":484.96,"end":485.46,"sentiment":"neutral","sentiment_score":-0.01616608165204525}],"sentiment":"neutral","sentiment_score":-0.02219226537272334,"channel":0,"num_words":4,"start":483.59998,"end":485.46},{"sentences":[{"text":"Yeah.","start":486.21,"end":486.44998,"sentiment":"neutral","sentiment_score":-0.03848318010568619},{"text":"I I I probably actually have to check the account because, like, I know I'd be on and off and, like, I've got the kids $50.50, so I can't work for a week.","start":486.44998,"end":497.455,"sentiment":"neutral","sentiment_score":-0.1591674732890996}],"sentiment":"neutral","sentiment_score":-0.15561793525429332,"channel":1,"num_words":34,"start":486.21,"end":497.455},{"sentences":[{"text":"Yeah.","start":499.375,"end":499.875,"sentiment":"neutral","sentiment_score":-0.10156311094760896}],"sentiment":"neutral","sentiment_score":-0.10156311094760896,"channel":0,"num_words":1,"start":499.375,"end":499.875},{"sentences":[{"text":"So it's it's considerable.","start":499.84,"end":501.91998,"sentiment":"neutral","sentiment_score":-0.23294822871685028},{"text":"I I I think it'd be a good bit less than that, to be honest.","start":501.91998,"end":504.34,"sentiment":"neutral","sentiment_score":-0.25613898734251656},{"text":"And 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I'm just in the process","start":506.24,"end":508.47998,"sentiment":"neutral","sentiment_score":-0.026581452849010628}],"sentiment":"neutral","sentiment_score":-0.026581452849010628,"channel":1,"num_words":6,"start":506.24,"end":508.47998},{"sentences":[{"text":"Yeah.","start":508.43002,"end":508.93002,"sentiment":"neutral","sentiment_score":-0.010617979802191256}],"sentiment":"neutral","sentiment_score":-0.010617979802191256,"channel":0,"num_words":1,"start":508.43002,"end":508.93002},{"sentences":[{"text":"of doing with with","start":508.47998,"end":509.36,"sentiment":"neutral","sentiment_score":-0.002679540077224374}],"sentiment":"neutral","sentiment_score":-0.002679540077224374,"channel":1,"num_words":4,"start":508.47998,"end":509.36},{"sentences":[{"text":"Okay.","start":509.31003,"end":509.81003,"sentiment":"neutral","sentiment_score":0.002718394622206688}],"sentiment":"neutral","sentiment_score":0.002718394622206688,"channel":0,"num_words":1,"start":509.31003,"end":509.81003},{"sentences":[{"text":"my tax for last year for for the year for the year just gone.","start":509.36,"end":514.535,"sentiment":"neutral","sentiment_score":0.006941622123122215},{"text":"So I'll have a lot a lot of more accurate earnings","start":514.535,"end":519.59503,"sentiment":"neutral","sentiment_score":0.07411601936275308}],"sentiment":"neutral","sentiment_score":0.0364983569085598,"channel":1,"num_words":25,"start":509.36,"end":519.59503},{"sentences":[{"text":"Estimate.","start":519.39,"end":519.89,"sentiment":"neutral","sentiment_score":0.022719411179423332}],"sentiment":"neutral","sentiment_score":0.022719411179423332,"channel":0,"num_words":1,"start":519.39,"end":519.89},{"sentences":[{"text":"for for last year","start":519.655,"end":520.955,"sentiment":"neutral","sentiment_score":0.021539855981245637}],"sentiment":"neutral","sentiment_score":0.021539855981245637,"channel":1,"num_words":4,"start":519.655,"end":520.955},{"sentences":[{"text":"Yep.","start":521.755,"end":522.255,"sentiment":"neutral","sentiment_score":0.06517116725444794}],"sentiment":"neutral","sentiment_score":0.06517116725444794,"channel":0,"num_words":1,"start":521.755,"end":522.255},{"sentences":[{"text":"and in the in the next week or so.","start":521.815,"end":523.755,"sentiment":"neutral","sentiment_score":0.06861754175689486}],"sentiment":"neutral","sentiment_score":0.06861754175689486,"channel":1,"num_words":9,"start":521.815,"end":523.755},{"sentences":[{"text":"That'd be fantastic.","start":524.075,"end":525.215,"sentiment":"positive","sentiment_score":0.6397799054781595},{"text":"What I'll do is I'll get my admin team member to give you a call probably in about a week just to get the updated figure if that's possible.","start":525.515,"end":531.53503,"sentiment":"neutral","sentiment_score":0.10019575033722253},{"text":"Because I'll go back and review your b to life policy.","start":532.075,"end":534.61,"sentiment":"neutral","sentiment_score":0.043975360691547394},{"text":"It is a much older policy, and I'll find out what the maximum you can be covered for under that policy is.","start":534.61,"end":540.14996,"sentiment":"neutral","sentiment_score":0.03340057698501782},{"text":"And when I get an updated estimate of your income, I'll look to maybe reduce the policy back so you're getting you're able to claim on the maximum benefit, but that we can hopefully reduce the cost a little bit as well so less money is being deducted out of your super.","start":541.01,"end":554.73505,"sentiment":"neutral","sentiment_score":0.10711685489290036}],"sentiment":"neutral","sentiment_score":0.09926183411899285,"channel":0,"num_words":117,"start":524.075,"end":554.73505},{"sentences":[{"text":"Does that sound okay?","start":554.79504,"end":555.935,"sentiment":"neutral","sentiment_score":0.12397033162415028}],"sentiment":"neutral","sentiment_score":0.12397033162415028,"channel":0,"num_words":4,"start":554.79504,"end":555.935},{"sentences":[{"text":"Yes.","start":557.07,"end":557.38995,"sentiment":"neutral","sentiment_score":0.21987098455429077},{"text":"Sounds 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as a total, gives you a life benefit of a a bit over $504,000.","start":581.59503,"end":586.97504,"sentiment":"neutral","sentiment_score":0.1932097445242107}],"sentiment":"neutral","sentiment_score":0.08779138812867852,"channel":0,"num_words":77,"start":558.79504,"end":586.97504},{"sentences":[{"text":"Are you fairly comfortable with the amount of life cover you have at the moment?","start":587.11505,"end":590.895,"sentiment":"neutral","sentiment_score":0.1566408634185791}],"sentiment":"neutral","sentiment_score":0.1566408634185791,"channel":0,"num_words":15,"start":587.11505,"end":590.895},{"sentences":[{"text":"Yeah.","start":592.5,"end":592.74,"sentiment":"neutral","sentiment_score":0.00364718958735466},{"text":"But, ma'am, I I'm pretty sure that was set because I had a mortgage at the time, but I no longer have the mortgage.","start":592.74,"end":598.89496,"sentiment":"neutral","sentiment_score":-0.12927205301821232}],"sentiment":"neutral","sentiment_score":-0.12395528331398964,"channel":1,"num_words":25,"start":592.5,"end":598.89496},{"sentences":[{"text":"No.","start":599.61005,"end":599.85004,"sentiment":"neutral","sentiment_score":-0.16502249240875244},{"text":"I can see that.","start":599.85004,"end":600.65,"sentiment":"neutral","sentiment_score":-0.13862763904035091},{"text":"Yeah.","start":600.65,"end":600.97003,"sentiment":"neutral","sentiment_score":-0.03541819751262665},{"text":"So you are renting now.","start":600.97003,"end":602.49005,"sentiment":"neutral","sentiment_score":-0.03348582088947296},{"text":"Is that right?","start":602.49005,"end":603.31,"sentiment":"neutral","sentiment_score":0.0001743640750646592}],"sentiment":"neutral","sentiment_score":-0.0658469470217824,"channel":0,"num_words":14,"start":599.61005,"end":603.31},{"sentences":[{"text":"Yeah.","start":604.39496,"end":604.71497,"sentiment":"neutral","sentiment_score":0.013293562456965446},{"text":"Yeah.","start":604.71497,"end":605.195,"sentiment":"neutral","sentiment_score":0.01757471077144146},{"text":"So re realistically, like, I could just get whatever is in the bank, couldn't","start":605.195,"end":610.35,"sentiment":"neutral","sentiment_score":-0.025721951387822628}],"sentiment":"neutral","sentiment_score":-0.020577440387569368,"channel":1,"num_words":16,"start":604.39496,"end":610.35},{"sentences":[{"text":"Yeah.","start":610.86505,"end":611.36505,"sentiment":"neutral","sentiment_score":-0.036249324679374695},{"text":"Well, honestly, you could, but the other side of it is what did what happens, you know, if you were to pass away, what is it that you want to have paid out?","start":611.505,"end":618.625,"sentiment":"neutral","sentiment_score":-0.19070967320691457},{"text":"Because you made mention to me that you do have some kids.","start":618.625,"end":621.76,"sentiment":"neutral","sentiment_score":-0.06729591824114323},{"text":"And, obviously, they, you know, have them sort of seven days every fortnight, sort of fifty fifty split with your ex.","start":622.38,"end":628.16003,"sentiment":"neutral","sentiment_score":-0.03704299068167096},{"text":"But does that like, in the event of you passing away, did you want maybe her to get some funds to keep looking after your kids to allow them for schooling, or did you wanna maybe have the money paid to the kids directly to give them some sort of starting benefit in the future?","start":628.86005,"end":642.965,"sentiment":"neutral","sentiment_score":-0.03242068944329565}],"sentiment":"neutral","sentiment_score":-0.07949393674670184,"channel":0,"num_words":122,"start":610.86505,"end":642.965},{"sentences":[{"text":"What would you want to happen to that money if you passed away?","start":642.965,"end":645.705,"sentiment":"neutral","sentiment_score":-0.3184629392165404}],"sentiment":"neutral","sentiment_score":-0.3184629392165404,"channel":0,"num_words":13,"start":642.965,"end":645.705},{"sentences":[{"text":"Oh, I'd probably rather if it was just given to the kids directly, but for when they were 18 or twenty years after that.","start":647.3,"end":654.385,"sentiment":"neutral","sentiment_score":-0.10429053877790768}],"sentiment":"neutral","sentiment_score":-0.10429053877790768,"channel":1,"num_words":24,"start":647.3,"end":654.385},{"sentences":[{"text":"Yeah.","start":654.99,"end":655.31,"sentiment":"neutral","sentiment_score":0.0566667765378952},{"text":"Absolutely.","start":655.31,"end":655.81,"sentiment":"neutral","sentiment_score":0.15256592631340027},{"text":"How old are the kids now?","start":656.75,"end":658.13,"sentiment":"neutral","sentiment_score":0.004253322258591652}],"sentiment":"neutral","sentiment_score":0.029344079550355673,"channel":0,"num_words":8,"start":654.99,"end":658.13},{"sentences":[{"text":"11, nine, and six.","start":660.205,"end":661.98505,"sentiment":"neutral","sentiment_score":0.01971789333038032}],"sentiment":"neutral","sentiment_score":0.01971789333038032,"channel":1,"num_words":4,"start":660.205,"end":661.98505},{"sentences":[{"text":"Beautiful.","start":663.195,"end":663.695,"sentiment":"positive","sentiment_score":0.6211646199226379},{"text":"So, realistically, with your life insurance now and you absolutely can.","start":664.23505,"end":667.67505,"sentiment":"positive","sentiment_score":0.4672053510492498},{"text":"I'm just having a look at looks like you don't have beneficiaries nominated, so it is something I do wanna touch on.","start":667.67505,"end":673.055,"sentiment":"neutral","sentiment_score":0.043353875083002175},{"text":"But because all of your kids are under the age of 18, in the event of you passing away, the benefit, whilst can be paid to them directly, always does get paid to their guardian.","start":673.51,"end":682.97,"sentiment":"neutral","sentiment_score":0.10080814074192729},{"text":"So it means if your ex is their guardian, that's the money you get paid to, and it's up to her to distribute the funds.","start":683.02997,"end":688.305,"sentiment":"neutral","sentiment_score":0.15947528779506684}],"sentiment":"neutral","sentiment_score":0.15137633887377192,"channel":0,"num_words":94,"start":663.195,"end":688.305},{"sentences":[{"text":"Alternatively, you can apply a beneficiary nomination.","start":688.785,"end":692.485,"sentiment":"neutral","sentiment_score":0.1569699708904539},{"text":"It's called legal personal representative, and it means that in the event that you pass away, your super and your life insurance is paid to your estate.","start":692.945,"end":701.045,"sentiment":"neutral","sentiment_score":0.1665195968967897},{"text":"You then just need to make sure you have a will up to date, which nominates your children as the beneficiary, and you can have the money put into, like, a testamentary trust, noting maybe someone you trust to be the executor or the trustee of that trust, and that money can be held and sort of paid out or distributed to the kids as you prefer.","start":701.33997,"end":720.305,"sentiment":"neutral","sentiment_score":0.24396262217813464},{"text":"That way, they receive the funds, and it can be used to help schooling.","start":720.305,"end":724.385,"sentiment":"positive","sentiment_score":0.5534871114151818},{"text":"It gives you a lot more control.","start":724.385,"end":726.005,"sentiment":"positive","sentiment_score":0.4990452953747341}],"sentiment":"neutral","sentiment_score":0.2719873051296492,"channel":0,"num_words":122,"start":688.785,"end":726.005},{"sentences":[{"text":"Does that make sense?","start":726.065,"end":726.96,"sentiment":"neutral","sentiment_score":0.2480623796582222}],"sentiment":"neutral","sentiment_score":0.2480623796582222,"channel":0,"num_words":4,"start":726.065,"end":726.96},{"sentences":[{"text":"Yeah.","start":728.3,"end":728.54,"sentiment":"neutral","sentiment_score":0.20773035287857056},{"text":"That that that sounds sounds more like a a plan rather than just having whatever happens.","start":728.54,"end":733.44,"sentiment":"neutral","sentiment_score":0.19124845741316676}],"sentiment":"neutral","sentiment_score":0.19221798067583756,"channel":1,"num_words":17,"start":728.3,"end":733.44},{"sentences":[{"text":"Absolutely.","start":734.4,"end":734.9,"sentiment":"neutral","sentiment_score":0.17419220507144928},{"text":"I mean, I've got three kids myself, and the last thing I would want is in any, you know, any case for them to be unable to, you know, cover the cost of schooling or have a bit of a head start.","start":735.36005,"end":745.46497,"sentiment":"neutral","sentiment_score":-0.1859792149847462},{"text":"I mean, at the end of the day, if anything happened, they'd be losing a parent, and that would be a huge, huge cost to them.","start":745.46497,"end":752.045,"sentiment":"neutral","sentiment_score":-0.324430133574284},{"text":"You know, a lot of kids do have trouble coming back from that, and so leaving them something isn't a bad thing at all.","start":752.505,"end":757.82,"sentiment":"neutral","sentiment_score":0.0686154452462991},{"text":"You could have it equally shared up between the three kids.","start":758.06,"end":760.88,"sentiment":"positive","sentiment_score":0.5374022207476876}],"sentiment":"neutral","sentiment_score":-0.08186464599118783,"channel":0,"num_words":104,"start":734.4,"end":760.88},{"sentences":[{"text":"You know, having that trust and doing it all through your will does give you a lot more control.","start":761.58,"end":765.92,"sentiment":"positive","sentiment_score":0.574033934819071},{"text":"I can safely tell you I'm a person of divorce as well.","start":766.38,"end":769.485,"sentiment":"neutral","sentiment_score":0.17172482687359056},{"text":"So my older kids were to my ex husband, and I had to set my estate planning up that way as well to make sure that my ex got no money and that it all did get distributed to my children.","start":769.485,"end":779.345,"sentiment":"neutral","sentiment_score":0.1908767211546258},{"text":"And it just provides you with a lot more say around what happens to the funds and making sure it does go to your kids.","start":780.045,"end":785.66003,"sentiment":"positive","sentiment_score":0.41079141974449157},{"text":"So it is a great way to do so.","start":785.66003,"end":787.60004,"sentiment":"positive","sentiment_score":0.7716346780459086}],"sentiment":"positive","sentiment_score":0.3585640174284015,"channel":0,"num_words":106,"start":761.58,"end":787.60004},{"sentences":[{"text":"You can set up a a will very simply by speaking to a local solicitor.","start":788.06,"end":792.16003,"sentiment":"positive","sentiment_score":0.39596706827481587},{"text":"We can always send you the information of a local solicitor here that we can refer you through to.","start":792.54004,"end":797.055,"sentiment":"neutral","sentiment_score":0.26890015758966146},{"text":"Or if you contact all the states have, like, local trustees and state offices that can help with that wheel very cheaply, I can find that information to email it to you if you like.","start":797.535,"end":806.735,"sentiment":"neutral","sentiment_score":0.26648788686309544},{"text":"This is a bit of a an idea of what else what else is out there and how much it might cost to drive a wheel.","start":806.735,"end":812.835,"sentiment":"neutral","sentiment_score":0.10313536255405499},{"text":"Are you there, Karen?","start":821.62994,"end":822.58997,"sentiment":"neutral","sentiment_score":0.032003468833863735}],"sentiment":"neutral","sentiment_score":0.23419412485126292,"channel":0,"num_words":99,"start":788.06,"end":822.58997},{"sentences":[{"text":"Lucy?","start":822.58997,"end":823.08997,"sentiment":"neutral","sentiment_score":0.02241802029311657}],"sentiment":"neutral","sentiment_score":0.02241802029311657,"channel":0,"num_words":1,"start":822.58997,"end":823.08997},{"sentences":[{"text":"Yeah.","start":823.40497,"end":823.565,"sentiment":"neutral","sentiment_score":0.03779105842113495},{"text":"Yeah.","start":823.565,"end":823.805,"sentiment":"neutral","sentiment_score":0.03106247261166573},{"text":"Gotcha again.","start":823.805,"end":824.52496,"sentiment":"neutral","sentiment_score":0.0035432069562375546},{"text":"Gotcha again.","start":824.52496,"end":825.505,"sentiment":"neutral","sentiment_score":-0.020818376448005438}],"sentiment":"neutral","sentiment_score":0.005717198674877484,"channel":1,"num_words":6,"start":823.40497,"end":825.505},{"sentences":[{"text":"Sorry.","start":825.805,"end":826.125,"sentiment":"neutral","sentiment_score":-0.13966646790504456},{"text":"I drop I must have dropped out.","start":826.125,"end":827.565,"sentiment":"neutral","sentiment_score":-0.20405168405600957},{"text":"I do apologize.","start":827.565,"end":828.385,"sentiment":"neutral","sentiment_score":-0.1280032992362976}],"sentiment":"neutral","sentiment_score":-0.17745801400054584,"channel":0,"num_words":11,"start":825.805,"end":828.385},{"sentences":[{"text":"All good.","start":829.725,"end":830.545,"sentiment":"neutral","sentiment_score":0.10893360152840614}],"sentiment":"neutral","sentiment_score":0.10893360152840614,"channel":1,"num_words":2,"start":829.725,"end":830.545},{"sentences":[{"text":"That's okay.","start":831.245,"end":832.045,"sentiment":"neutral","sentiment_score":0.0730094239115715},{"text":"Did you catch all that?","start":832.045,"end":833.165,"sentiment":"neutral","sentiment_score":-0.007446442916989327},{"text":"Did I drop out before the end of that?","start":833.165,"end":835.345,"sentiment":"neutral","sentiment_score":-0.04968695590893427},{"text":"Sorry.","start":835.725,"end":836.225,"sentiment":"neutral","sentiment_score":-0.06777618825435638}],"sentiment":"neutral","sentiment_score":-0.023892479893915793,"channel":0,"num_words":17,"start":831.245,"end":836.225},{"sentences":[{"text":"I'm pretty much I'm pretty sure I I I got I got the majority.","start":836.8,"end":839.44,"sentiment":"neutral","sentiment_score":-0.044663487800530026},{"text":"But anyway, you said you were able to be able to email me some information about it.","start":839.44,"end":842.895,"sentiment":"neutral","sentiment_score":0.1421018295428332},{"text":"And","start":843.375,"end":843.875,"sentiment":"neutral","sentiment_score":0.13335871696472168}],"sentiment":"neutral","sentiment_score":0.06011878093704581,"channel":1,"num_words":32,"start":836.8,"end":843.875},{"sentences":[{"text":"Absolutely.","start":843.74,"end":844.24,"sentiment":"neutral","sentiment_score":0.16705657541751862}],"sentiment":"neutral","sentiment_score":0.16705657541751862,"channel":0,"num_words":1,"start":843.74,"end":844.24},{"sentences":[{"text":"Okay.","start":844.575,"end":845.075,"sentiment":"neutral","sentiment_score":0.09694956988096236}],"sentiment":"neutral","sentiment_score":0.09694956988096236,"channel":1,"num_words":1,"start":844.575,"end":845.075},{"sentences":[{"text":"Yeah.","start":844.94,"end":845.44,"sentiment":"neutral","sentiment_score":0.1063573807477951},{"text":"Yep.","start":845.74,"end":846.24,"sentiment":"neutral","sentiment_score":0.12023520469665527}],"sentiment":"neutral","sentiment_score":0.11329629272222519,"channel":0,"num_words":2,"start":844.94,"end":846.24},{"sentences":[{"text":"Yeah.","start":845.775,"end":846.275,"sentiment":"neutral","sentiment_score":0.13246619701385498}],"sentiment":"neutral","sentiment_score":0.13246619701385498,"channel":1,"num_words":1,"start":845.775,"end":846.275},{"sentences":[{"text":"You're hap you got me to do that for you?","start":846.3,"end":848.88,"sentiment":"neutral","sentiment_score":0.16652200147509574},{"text":"Yeah.","start":849.02,"end":849.34,"sentiment":"neutral","sentiment_score":0.18366792798042297},{"text":"Absolutely.","start":849.34,"end":849.84,"sentiment":"neutral","sentiment_score":0.27029287815093994}],"sentiment":"neutral","sentiment_score":0.17659840174019337,"channel":0,"num_words":12,"start":846.3,"end":849.84},{"sentences":[{"text":"Yeah.","start":849.53503,"end":849.85504,"sentiment":"neutral","sentiment_score":0.2700459063053131},{"text":"That that'd","start":849.85504,"end":850.255,"sentiment":"positive","sentiment_score":0.3998766839504242}],"sentiment":"positive","sentiment_score":0.3565997580687205,"channel":1,"num_words":3,"start":849.53503,"end":850.255},{"sentences":[{"text":"I'll","start":850.14,"end":850.38,"sentiment":"positive","sentiment_score":0.4610012173652649}],"sentiment":"positive","sentiment_score":0.4610012173652649,"channel":0,"num_words":1,"start":850.14,"end":850.38},{"sentences":[{"text":"be great.","start":850.255,"end":850.835,"sentiment":"positive","sentiment_score":0.5220160782337189}],"sentiment":"positive","sentiment_score":0.5220160782337189,"channel":1,"num_words":2,"start":850.255,"end":850.835},{"sentences":[{"text":"email some information through on a bit of a top up around the estate planning side of things and drawing for will and, you know, how that can provide a bit of a benefit for you to have a look at some costing as well so you can sort of see and weigh up your options and how you'd like to do that.","start":850.38,"end":863.455,"sentiment":"neutral","sentiment_score":0.3272538452394425},{"text":"Okay?","start":863.455,"end":863.955,"sentiment":"neutral","sentiment_score":0.17730800807476044}],"sentiment":"neutral","sentiment_score":0.32491094153374434,"channel":0,"num_words":64,"start":850.38,"end":863.955},{"sentences":[{"text":"Yep.","start":865.39,"end":865.79,"sentiment":"neutral","sentiment_score":0.24392257630825043},{"text":"Perfect.","start":865.79,"end":866.29,"sentiment":"positive","sentiment_score":0.6571037769317627}],"sentiment":"positive","sentiment_score":0.45051317662000656,"channel":1,"num_words":2,"start":865.39,"end":866.29},{"sentences":[{"text":"Beautiful.","start":866.61,"end":867.11,"sentiment":"positive","sentiment_score":0.6826194524765015},{"text":"Now the other thing you do have here insurance wise is TBD.","start":867.49,"end":870.55,"sentiment":"neutral","sentiment_score":0.07978267403086647},{"text":"So you have the same level of cover as your life insurance, so $374,007.28 TPD, in the event of you being unable to go back to work again, would have to sort of cover income expenditure and keep you living as long as you can.","start":870.69,"end":885.705,"sentiment":"neutral","sentiment_score":0.14911013365619713},{"text":"You can, with TPD, also claim on your super as well.","start":886.565,"end":890.35,"sentiment":"neutral","sentiment_score":0.30715976520018146},{"text":"So, again, it gives you just over $500,000 of cover between the insurance and your super benefit.","start":890.35,"end":895.57,"sentiment":"neutral","sentiment_score":0.3231544810182908}],"sentiment":"neutral","sentiment_score":0.20025989709172917,"channel":0,"num_words":86,"start":866.61,"end":895.57},{"sentences":[{"text":"Are you fairly comfortable with that level?","start":895.87,"end":897.70996,"sentiment":"neutral","sentiment_score":0.3023477239268167},{"text":"Did you wanna look at reviewing that all?","start":897.70996,"end":899.89,"sentiment":"neutral","sentiment_score":0.09182649292051792},{"text":"Karen, did I lose you again?","start":911.645,"end":913.185,"sentiment":"neutral","sentiment_score":-0.23537886763612428},{"text":"Hello, Karen?","start":921.87,"end":922.58997,"sentiment":"neutral","sentiment_score":-0.07962871715426445},{"text":"Can you hear me?","start":922.58997,"end":923.64996,"sentiment":"neutral","sentiment_score":-0.11704384721815586}],"sentiment":"neutral","sentiment_score":0.030049628957554145,"channel":0,"num_words":27,"start":895.87,"end":923.64996},{"sentences":[{"text":"Hello, Karen?","start":935.40497,"end":936.385,"sentiment":"neutral","sentiment_score":-0.05375576205551624},{"text":"Can you hear me at all?","start":936.685,"end":937.8,"sentiment":"neutral","sentiment_score":-0.11330558732151985},{"text":"Hello, Kieran.","start":952.5189,"end":953.1589,"sentiment":"neutral","sentiment_score":0.009907069616019726},{"text":"Can you hear me at all?","start":953.1589,"end":954.3789,"sentiment":"neutral","sentiment_score":-0.11194742595156033}],"sentiment":"neutral","sentiment_score":-0.08995096653234214,"channel":0,"num_words":16,"start":935.40497,"end":954.3789}]},"summary":{"result":"success","short":"Representatives from Oakley Financial speak with Kieran about his annual review and annual review documents. They discuss Kieran's investment portfolio and insurance policy, as well as his premiums and benefits. The representatives suggest reducing or altering his policy to make it more cost-effective and explain the benefits of his policy. They also discuss the benefits of a legal beneficiary nomination and offer information on insurance coverage. The representatives will call Kieran in a week to update his policy and provide an estimate of his income."},"intents":{"segments":[{"text":"I had you booked in to go through your annual review this afternoon. Isn't that still a good time?","start_word":33,"end_word":51,"intents":[{"intent":"Schedule annual review","confidence_score":0.11415486}]},{"text":"I had you booked in to go through your annual review this afternoon. Isn't that still a good time? Yep.","start_word":33,"end_word":52,"intents":[{"intent":"Review documents","confidence_score":0.13101818}]},{"text":"I do normally send you an email with some annual review documents there. Are you able to look at your emails? If you can't, that's absolutely fine. And I won't be able for maybe twenty minutes. That's okay. Not an issue at all. What I'll do is I'll send the documents through for you to have a bit of a gander later on when you've got some time there.","start_word":80,"end_word":148,"intents":[{"intent":"Send documents","confidence_score":0.062640555}]},{"text":"What I'll do is I'll send the documents through for you to have a bit of a gander later on when you've got some time there. In the meantime, I'll just take you through the documents, let you know what we've got. We'll have a bit of a chat about where things are, what's happening with you super, and look at whatever new goals you might have as well. How does that sound?","start_word":123,"end_word":195,"intents":[{"intent":"Discuss goals","confidence_score":0.062140774}]},{"text":"And just a little quick security check there with you. I just need to confirm your full name, your date of birth, and address I should have on file.","start_word":235,"end_word":263,"intents":[{"intent":"Confirm name","confidence_score":0.006748178},{"intent":"Confirm identity","confidence_score":0.10085963}]},{"text":"And just a little quick security check there with you. I just need to confirm your full name, your date of birth, and address I should have on file. Kieran O'Connor, the fourth of the third nineteen eighty one, and Yep. 10 Edge Street, Murray. Fantastic.","start_word":235,"end_word":280,"intents":[{"intent":"Confirm address","confidence_score":0.4913366},{"intent":"Discuss security check","confidence_score":0.050184477}]},{"text":"And I've been seeing your superannuation, having a bit of look at your investments as well, and I've sort of determined we might be able to provide some advice.","start_word":408,"end_word":436,"intents":[{"intent":"Update superannuation and investments","confidence_score":0.00494093}]},{"text":"So we'll have a bit of a chat about what that looks like, what you're comfortable with, how your suit is being going. And, yeah, as I said, I've got some advice I can provide for you to update, a, your in investments within your super there, but we can also look at what contributions can do to help you moving forward as well. Okay? Yep.","start_word":437,"end_word":502,"intents":[{"intent":"Provide advice and investment guidance","confidence_score":0.0007600559}]},{"text":"With your performance, now all of your investments have performed fairly well. I can see one investment in there that's underperforming a little bit as Australian bet along Australian equities investment.","start_word":615,"end_word":645,"intents":[{"intent":"Discuss investment performance","confidence_score":0.083121546}]},{"text":"That one there has been dragging your portfolio back a little bit where everything else is kind of performing very nicely.","start_word":647,"end_word":667,"intents":[{"intent":"Address portfolio concerns","confidence_score":0.0036045162}]},{"text":"So having a look, we might be able to look at maybe reducing or altering that insurance policy to kind of make it more cost effective for you.","start_word":976,"end_word":1003,"intents":[{"intent":"Improve insurance coverage","confidence_score":0.011437115}]},{"text":"And when I get an updated estimate of your income, I'll look to maybe reduce the policy back so you're getting you're able to claim on the maximum benefit, but that we can hopefully reduce the cost a little bit as well so less money is being deducted out of your super. Does that sound okay?","start_word":1545,"end_word":1600,"intents":[{"intent":"Reduce policy cost","confidence_score":0.0152630955}]},{"text":"But, ma'am, I I'm pretty sure that was set because I had a mortgage at the time, but I no longer have the mortgage. No. I can see that. Yeah. So you are renting now. Is that right? Yeah. Yeah. So re realistically, like, I could just get whatever is in the bank, couldn't Yeah.","start_word":1697,"end_word":1751,"intents":[{"intent":"Evaluate financial situation","confidence_score":0.000121056786}]},{"text":"Alternatively, you can apply a beneficiary nomination.","start_word":2016,"end_word":2022,"intents":[{"intent":"Inform about beneficiary nomination","confidence_score":0.06297914}]},{"text":"So my older kids were to my ex husband, and I had to set my estate planning up that way as well to make sure that my ex got no money and that it all did get distributed to my children.","start_word":2295,"end_word":2335,"intents":[{"intent":"Set up estate planning","confidence_score":0.7466301}]},{"text":"We can always send you the information of a local solicitor here that we can refer you through to. Or if you contact all the states have, like, local trustees and state offices that can help with that wheel very cheaply, I can find that information to email it to you if you like.","start_word":2384,"end_word":2437,"intents":[{"intent":"Provide information","confidence_score":0.122279584},{"intent":"Receive information","confidence_score":0.010778456}]},{"text":"That that'd I'll be great. email some information through on a bit of a top up around the estate planning side of things and drawing for will and, you know, how that can provide a bit of a benefit for you to have a look at some costing as well so you can sort of see and weigh up your options and how you'd like to do that. Okay? Yep. Perfect.","start_word":2555,"end_word":2625,"intents":[{"intent":"Evaluate options","confidence_score":0.06046835}]}]},"sentiments":{"segments":[{"text":"Hello? Karen speaking. Hi, Kieran. Hello? This is Dana from Oak hi, Kieran. It's Dana from Oakley Financial. How are you this afternoon? How's it going? Yourself?","start_word":0,"end_word":26,"sentiment":"neutral","sentiment_score":0.1327609270811081},{"text":"I'm very well. Thank you, Kieran.","start_word":27,"end_word":32,"sentiment":"positive","sentiment_score":0.501221776008606},{"text":"I had you booked in to go through your annual review this afternoon. Isn't that still a good time? Yep. Yep. Perfect. As long as you can hear me alright. I'm on the other hand Yeah. free. No. All all good. I can hear you perfectly fine. I do normally send you an email with some annual review documents there. Are you able to look at your emails? If you can't, that's absolutely fine. And I won't be able for maybe twenty minutes. That's okay. Not an issue at all. What I'll do is I'll send the documents through for you to have a bit of a gander later on when you've got some time there. In the meantime, I'll just take you through the documents, let you know what we've got. We'll have a bit of a chat about where things are, what's happening with you super, and look at whatever new goals you might have as well. How does that sound? Yeah.","start_word":33,"end_word":196,"sentiment":"neutral","sentiment_score":0.11567167937755583},{"text":"Sounds good. Fantastic.","start_word":197,"end_word":199,"sentiment":"positive","sentiment_score":0.413624107837677},{"text":"Kieran, before I jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with Sure thing. Yeah. that?","start_word":200,"end_word":233,"sentiment":"neutral","sentiment_score":0.21238932013511655},{"text":"Fantastic.","start_word":234,"end_word":234,"sentiment":"positive","sentiment_score":0.34664231538772583},{"text":"And just a little quick security check there with you. I just need to confirm your full name, your date of birth, and address I should have on file. Kieran O'Connor, the fourth of the third nineteen eighty one, and Yep. 10 Edge Street, Murray.","start_word":235,"end_word":279,"sentiment":"neutral","sentiment_score":0.1169665977358818},{"text":"Fantastic. Thank you so much Thank for that. you.","start_word":280,"end_word":288,"sentiment":"positive","sentiment_score":0.5184828639030457},{"text":"So I'm sure you're keen to have a bit of a look at what your super has been doing there for you. But is there anything else you wanted me to sort of touch touch on, any questions you have have for me today as part of your review? And I wouldn't mind I I I kinda I I kinda know I need to pay into it. Sorry. Pay into super? Yeah. I I I I know I need to get I I I need to make a bit more of an effort to pay into it. Is it like Oh, look. Honestly, I understand. But, no, this is something I definitely wanna have a chat to you about. And I've been seeing your superannuation, having a bit of look at your investments as well, and I've sort of determined we might be able to provide some advice. So we'll have a bit of a chat about what that looks like, what you're comfortable with, how your suit is being going. And, yeah, as I said, I've got some advice I can provide for you to update, a, your in investments within your super there, but we can also look at what contributions can do to help you moving forward as well. Okay?","start_word":289,"end_word":501,"sentiment":"neutral","sentiment_score":0.12257195974179835},{"text":"Yep. Beautiful.","start_word":502,"end_word":503,"sentiment":"positive","sentiment_score":0.5138552784919739},{"text":"Now just to sort of touch base on your last annual review you completed with us, your balance then was about 121,590 As of the July 6, so last week when we completed the documents, your balance then has gone up to 129,981. So you have seen an increase in your super over the last a bit over twelve months there. Just going to get your balance as of today's date for you as well because these documents were being prepared.","start_word":504,"end_word":584,"sentiment":"neutral","sentiment_score":0.15106402337551117},{"text":"So Marcus have had a little bit of a pullback.","start_word":585,"end_word":594,"sentiment":"negative","sentiment_score":-0.3835376799106598},{"text":"So your balance today is about 128,895. So a little bit of a pullback in the market there. Okay? Yeah. With your performance, now all of your investments have performed fairly well. I can see one investment in there that's underperforming a little bit as Australian bet along Australian equities investment. That one there has been dragging your portfolio back a little bit where everything else is kind of performing very nicely. As a whole, when you consider the total portfolio net of fees, you're up by 8.18%.","start_word":595,"end_word":682,"sentiment":"neutral","sentiment_score":-0.03420792943374677},{"text":"So in all honesty, even though that one investment has sort of held your portfolio back a little bit, you've still made a decent return, and you've made over $12,000 in the last twelve months in growth and earnings. So it is really good your portfolio has still been growing even without those additional contributions there, but certainly making additional contributions could definitely help moving forward for you as well.","start_word":683,"end_word":752,"sentiment":"positive","sentiment_score":0.5434010028839111},{"text":"Okay?","start_word":753,"end_word":753,"sentiment":"neutral","sentiment_score":0.273783415555954},{"text":"That All is good. pretty good.","start_word":754,"end_word":759,"sentiment":"positive","sentiment_score":0.540624737739563},{"text":"Karen, Alright. can you hear sorry. Can you hear me okay? I can. Yeah. Yeah. That Yeah.","start_word":760,"end_word":776,"sentiment":"neutral","sentiment_score":0.03996419906616211},{"text":"that that is pretty good.","start_word":777,"end_word":781,"sentiment":"positive","sentiment_score":0.4132227897644043},{"text":"Considering the the insurance comes out of that as well, don't you? That's exactly right. Yeah. So at the moment with your insurance policy, you have your life, your TPD, and your income protection there. So your life and TPD, your sum insured is $374,007.28, and you currently have an income protection policy with a monthly benefit of 12,168. The total the insurances were paid for from your super for this is $6,394.09. So your insurance premiums are very high, and they do come out of your super, and that does have an effect on the return as well. Yeah. Because, like, Yeah. like, life insurance, like, it's is is that is that is that a massive payout? Is this to say that the the the premium is so high? It's more to do with your income protection. So life and TPD, whilst you are on a level premium, which can make it a bit more expensive, you're actually the income protection is about 90% of your insurance cost essentially because income protection is the first thing we claim on. With your income protection benefit, it has a monthly benefit pretax of $12,168. So having a look, we might be able to look at maybe reducing or altering that insurance policy to kind of make it more cost effective for you. But just to sort of make sure with income protection, you can be covered, I have to double check on this policy because it's older. But, normally, it's about 70 to 75% of your pretax income, and it pays in a monthly benefit if you're unable to go to work due to illness or injury. Just double checking. Income wise, you're a site manager, and you're self employed. Is that right? Yeah. Correct. Yeah. We had you earning about a 100,000 last financial year. Are you expecting to be able to earn the same amount this year? And, yeah, I'd be hoping so. I don't think I Yeah. earned that last No. That's okay. All good. So, look, I have to double check the policy. But, realistically, just general wise, if this policy is old enough that you can be covered for up to 75% of your current income, based on a 100,000 there, probably twelve months, it means that the monthly benefit claimable, you'd be able to claim up to $6,250. So it looks like you might be over insured with the income protection benefit. Would you like me to go back and readjust the income protection so that it just covers what you're able to claim based on your income and try to reduce the cost a little bit for you? Yes.","start_word":782,"end_word":1226,"sentiment":"neutral","sentiment_score":0.015647689966756976},{"text":"That would be good.","start_word":1227,"end_word":1230,"sentiment":"positive","sentiment_score":0.33741870522499084},{"text":"And as long as I get to keep the same policy, because I'm pretty sure that policy pays out because I'm 75, isn't it, or 65? 65. Yeah. Yes. So we can we can maneuver and alter the monthly benefit without changing the waiting period or the benefit period. With this one here, you have a ninety day waiting period, so that means you just have to be off work for ninety days prior to making a claim. And with an age 65 benefit period means you can be on a claim up to the age of 65.","start_word":1231,"end_word":1328,"sentiment":"neutral","sentiment_score":0.16401178648277204},{"text":"Yeah. All good. That's okay. And you're you're happy that you're earning about a 100,000 per annum, and that would be fairly accurate?","start_word":1329,"end_word":1351,"sentiment":"positive","sentiment_score":0.524239718914032},{"text":"No. And as in as in taxable income? Yeah. So gross. Yeah. Yeah. I I I probably actually have to check the account because, like, I know I'd be on and off and, like, I've got the kids $50.50, so I can't work for a week. Yeah. So it's it's considerable. I I I think it'd be a good bit less than that, to be honest. And maybe Did you that's want something me I to? I I'm just in the process Yeah. of doing with with Okay. my tax for last year for for the year for the year just gone. So I'll have a lot a lot of more accurate earnings Estimate. for for last year Yep. and in the in the next week or so.","start_word":1352,"end_word":1479,"sentiment":"neutral","sentiment_score":-0.08517076075077057},{"text":"That'd be fantastic.","start_word":1480,"end_word":1482,"sentiment":"positive","sentiment_score":0.6469693183898926},{"text":"What I'll do is I'll get my admin team member to give you a call probably in about a week just to get the updated figure if that's possible. Because I'll go back and review your b to life policy. It is a much older policy, and I'll find out what the maximum you can be covered for under that policy is. And when I get an updated estimate of your income, I'll look to maybe reduce the policy back so you're getting you're able to claim on the maximum benefit, but that we can hopefully reduce the cost a little bit as well so less money is being deducted out of your super. Does that sound okay? Yes.","start_word":1483,"end_word":1601,"sentiment":"neutral","sentiment_score":0.08915764093399048},{"text":"Sounds good. Beautiful. Beautiful.","start_word":1602,"end_word":1605,"sentiment":"positive","sentiment_score":0.4815139174461365},{"text":"Now with your life and TBD, life cover obviously pays out a lump sum benefit to your beneficiaries in the event that you do pass away there. I never want that to happen to you, Karen, but with the current cover you have of 374,728 plus your super benefit is paid out on top of that to your beneficiaries. It currently, as a total, gives you a life benefit of a a bit over $504,000. Are you fairly comfortable with the amount of life cover you have at the moment? Yeah. But, ma'am, I I'm pretty sure that was set because I had a mortgage at the time, but I no longer have the mortgage. No. I can see that. Yeah. So you are renting now. Is that right? Yeah. Yeah. So re realistically, like, I could just get whatever is in the bank, couldn't Yeah. Well, honestly, you could, but the other side of it is what did what happens, you know, if you were to pass away, what is it that you want to have paid out? Because you made mention to me that you do have some kids. And, obviously, they, you know, have them sort of seven days every fortnight, sort of fifty fifty split with your ex. But does that like, in the event of you passing away, did you want maybe her to get some funds to keep looking after your kids to allow them for schooling, or did you wanna maybe have the money paid to the kids directly to give them some sort of starting benefit in the future? What would you want to happen to that money if you passed away? Oh, I'd probably rather if it was just given to the kids directly, but for when they were 18 or twenty years after that. Yeah. Absolutely. How old are the kids now? 11, nine, and six.","start_word":1606,"end_word":1921,"sentiment":"neutral","sentiment_score":-0.03608477949105864},{"text":"Beautiful. So, realistically, with your life insurance now and you absolutely can.","start_word":1922,"end_word":1933,"sentiment":"positive","sentiment_score":0.4754299819469452},{"text":"I'm just having a look at looks like you don't have beneficiaries nominated, so it is something I do wanna touch on. But because all of your kids are under the age of 18, in the event of you passing away, the benefit, whilst can be paid to them directly, always does get paid to their guardian. So it means if your ex is their guardian, that's the money you get paid to, and it's up to her to distribute the funds. Alternatively, you can apply a beneficiary nomination. It's called legal personal representative, and it means that in the event that you pass away, your super and your life insurance is paid to your estate. You then just need to make sure you have a will up to date, which nominates your children as the beneficiary, and you can have the money put into, like, a testamentary trust, noting maybe someone you trust to be the executor or the trustee of that trust, and that money can be held and sort of paid out or distributed to the kids as you prefer.","start_word":1934,"end_word":2116,"sentiment":"neutral","sentiment_score":0.16639543202568274},{"text":"That way, they receive the funds, and it can be used to help schooling. It gives you a lot more control.","start_word":2117,"end_word":2137,"sentiment":"positive","sentiment_score":0.529525101184845},{"text":"Does that make sense? Yeah. That that that sounds sounds more like a a plan rather than just having whatever happens. Absolutely. I mean, I've got three kids myself, and the last thing I would want is in any, you know, any case for them to be unable to, you know, cover the cost of schooling or have a bit of a head start. I mean, at the end of the day, if anything happened, they'd be losing a parent, and that would be a huge, huge cost to them. You know, a lot of kids do have trouble coming back from that, and so leaving them something isn't a bad thing at all.","start_word":2138,"end_word":2251,"sentiment":"neutral","sentiment_score":-0.08437048643827438},{"text":"You could have it equally shared up between the three kids. You know, having that trust and doing it all through your will does give you a lot more control.","start_word":2252,"end_word":2281,"sentiment":"positive","sentiment_score":0.5490379333496094},{"text":"I can safely tell you I'm a person of divorce as well. So my older kids were to my ex husband, and I had to set my estate planning up that way as well to make sure that my ex got no money and that it all did get distributed to my children.","start_word":2282,"end_word":2334,"sentiment":"neutral","sentiment_score":0.18847561726030312},{"text":"And it just provides you with a lot more say around what happens to the funds and making sure it does go to your kids. So it is a great way to do so. You can set up a a will very simply by speaking to a local solicitor.","start_word":2335,"end_word":2383,"sentiment":"positive","sentiment_score":0.4774150550365448},{"text":"We can always send you the information of a local solicitor here that we can refer you through to. Or if you contact all the states have, like, local trustees and state offices that can help with that wheel very cheaply, I can find that information to email it to you if you like. This is a bit of a an idea of what else what else is out there and how much it might cost to drive a wheel. Are you there, Karen? Lucy? Yeah. Yeah. Gotcha again. Gotcha again. Sorry. I drop I must have dropped out. I do apologize. All good. That's okay. Did you catch all that? Did I drop out before the end of that? Sorry. I'm pretty much I'm pretty sure I I I got I got the majority. But anyway, you said you were able to be able to email me some information about it. And Absolutely. Okay. Yeah. Yep. Yeah. You're hap you got me to do that for you? Yeah. Absolutely. Yeah.","start_word":2384,"end_word":2554,"sentiment":"neutral","sentiment_score":0.11269273608922958},{"text":"That that'd I'll be great.","start_word":2555,"end_word":2559,"sentiment":"positive","sentiment_score":0.45603176951408386},{"text":"email some information through on a bit of a top up around the estate planning side of things and drawing for will and, you know, how that can provide a bit of a benefit for you to have a look at some costing as well so you can sort of see and weigh up your options and how you'd like to do that. Okay? Yep.","start_word":2560,"end_word":2624,"sentiment":"neutral","sentiment_score":0.32035332918167114},{"text":"Perfect. Beautiful.","start_word":2625,"end_word":2626,"sentiment":"positive","sentiment_score":0.6698616147041321},{"text":"Now the other thing you do have here insurance wise is TBD. So you have the same level of cover as your life insurance, so $374,007.28 TPD, in the event of you being unable to go back to work again, would have to sort of cover income expenditure and keep you living as long as you can. You can, with TPD, also claim on your super as well. So, again, it gives you just over $500,000 of cover between the insurance and your super benefit. Are you fairly comfortable with that level? Did you wanna look at reviewing that all? Karen, did I lose you again? Hello, Karen? Can you hear me? Hello, Karen? Can you hear me at all? Hello, Kieran. Can you hear me at all?","start_word":2627,"end_word":2754,"sentiment":"neutral","sentiment_score":0.1166064776480198}],"average":{"sentiment":"neutral","sentiment_score":0.10593928886293807}}}}