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Is now still a good time there for you? Yeah. That's okay. All good. Before we jump into the call there, Amanda, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yep. Lovely. And we're doing security as well just because we are discussing your personal information. I just need to confirm your full name, your date of birth, and address I should have on file. Yep. Yep. Beautiful. Thank thank you so much for that. Still any morning where you're located there? How's your day been so far? Wow. No. That's okay. This normally does take about sort of thirty minutes to run through depending on what we have to go through. Is now still okay? If not, I'm happy to reschedule. And I do work late in the afternoon, so I can even do it sort of before or after work if it suits you better. Is now still okay? Yeah. Yeah. As they do. Not a problem at all. Well, I'll try to run through things, sorry, as quickly as I can. As we go through the annual review there, is there anything important that you wanted to ask me or anything you wanted me to touch on as part of this for you? Beautiful. Yep. Howard yeah. Yep. Yeah. No. Fantastic. Excellent. I had a bit of a look here, so I can see you have been off on maternity leave, which is great. You're back to work now. With with looking at that now I'll just before I jump into everything, just run through your super and have a bit of a look at it all. So lastly, when we did your annual review in 2025, you bounced about a 140 $5,308.10. In the last twelve months, you have seen, even with not having many contributions going in, at 12.2% net return. So you still have seen a good return out of your super debt, which is good to see. And your balance as of the April 21, so today's date, is about 156,000 sorry, 619. So you have seen a good increase even even with no additional contributions going in while you've been on maternity leave. So it is a positive thing to see. I had a bit of a look now with your contribute sorry. With your super there as well, we do have it noted you've got a beneficiary on here. I believe it's your partner. That's the one. Yep. Perfect. So you're happy for Daniel to be your nomination on there for your super? Yep. Beautiful. Lovely. And never yeah. Perfect. Perfect. We certainly hope nothing does. However, it is always good to make sure that is updated there. It does look like on your nearest insurance policy, we don't have a beneficiary nomination, so I wanted to make sure we update that for you as well. Are you wanting Daniel to be your nomination on your life insurance policy as well? Yeah. Beautiful. Are you happy for us to pre fill that nomination with all his information to make it easier on you? Fantastic. So I've got here Daniel Peter Bloomfield as your spouse. Can I describe his date of birth just so I'm confirming everything correctly? 1971. Fantastic. And he yep. Beautiful. And he lives at the same address as yourself. Just double checking that one with you. Excellent. You just never know. Lovely. And you're happy for him to be a 100% nomination. Is that right? Yep. Lovely. Now on your you've also got a binding non lapsing nomination. That essentially means that you've found the trustee to follow that direction, and non lapsing means that you don't have to keep filling these forms out. It stays applied until you alter or change your nomination. Are you happy for your super nomination to be the same way so you don't have to fill the format every couple of years? Yeah. Yeah. Absolutely. Well, when we do these reviews every year, we'll go through and just reconfirm it. So if anything does change, we can help you to pick it up and help you to alter the forms when they be. Okay? Fantastic. So if everything's going really well, I'll get my colleague Michelle. She's my admin team member. She's gonna organize, pre fill the form, and we'll have it sent out to you. Is it easier to email or post? What's more preferable for yourself? We can do both if you like. Email. Perfect. Not a problem at all. She's doing this up as we speak, so we'll have it all set out to you to be signed. And, Witness, if you do find you have any troubles, Amanda, please let us know. Okay? No. It has to be manually wet signed, unfortunately. So it just needs to be printed, signed, and the document does normally need to be witnessed as well. So if you just got two friends that can sort of or two people that you know that can just help you witness your your signature on the document, they can witness it and sign it, and then you can send it straight back to us. The only thing is a witness just can't be the person you're nominating as the beneficiary. So just not your staff if possible. Okay? Yeah. Perfect. Excellent. Thank you. Yeah. Absolutely. We'll pop it in the post as well. Absolutely. You've got a lot going on with a small child there, so it's very easy for these things to get missed. Yeah. It is. It's amazing how much it changes your life, isn't it? Oh, beauti yeah. And you sorry. You mentioned you had a little boy. Oh, beautiful. Oh, gorgeous. Do you spell it b o d I e? Oh, beautiful. Lovely. Fantastic. It's changed your life in so many ways. It's so much fun at the same time. Yeah. Oh, beautiful. I hope you enjoy everything. We'll make sure we are catching up. So sorry. All good. Now I am very mindful that you've limited time today, so I'll touch on the things that I do need to touch on. I have also just had a bit of a look at your super now. I have noted with even though you've got a great return for the year, there has been some investments or one of your underlying investments has sort of been underperforming a little bit in here. So we've actually got your Ben along Australian Equities. That one there, the investment itself has had some underlying issues, which has made it sort of underperforming your super there. What I sort of wanted to do is to touch on this to maybe go back and review that investment option. We've got a couple of other options out there that haven't been underperforming as much as this one, and maybe swap that one out. Are you comfortable with me just updating the advice and maybe changing the investment around for you? Yep. Beautiful. We wanna get rid of anything that's underperforming and make sure your sleep is working harder for you. Excellent. We do have a couple of options that we can look at. The idea of having Ben along in your portfolio was it was meant to be more of an actively managed component. So the investment manager within Van Along is meant to be actively managing the the funds and trying to sort of buy and sell or take investments where they see good quality growth. The idea there is that they're trying to outperform against the market. Generally, when you have these sorts of actively managed investment managers, they you do pay a little bit more to have that component in there. Did you want me to keep looking at active managers to maybe swap that out with, or you have if we maybe look at something like a passive manager? Because the difference there is that passive managers are just looking to track a certain index. They're participating in the market and making sure that they're invested in line with with the industries that they are tracking. It can also be a little bit cheaper in the way of investing as well. Did you wanna look at something a bit cheaper, a bit more passive, or are you happy to try and have that active management in there and have a manager that's trying to outperform the market? What would you like to see? Yeah. Yeah. You wanna keep it a bit active? Yep. That's absolutely fine. Yeah. Not a problem. So with who your agent stage, just looking at your last goals there as well, what age are you sort of hoping you'd like to be able to maybe stop working and retire in the future? Well, if if we even let it, we'll let you know. Yeah. At the moment, the earliest you can access super if you retire is age 60. So you have that option if you want as a bit of a goal. I can be working towards that age for you. You're still really young. You've got a lot of time ahead of you before you get to that point. But it's more just looking at the longevity side of things. Did you want me to work on that as a goal for you at the moment? It's very fluid and can definitely change. Yeah. Beautiful. I can do that. Not a problem at all. So I'll work on that sort of age frame there for you. So having a bit of active management in your portfolio is absolutely fine. When you are younger, we can take a bit more risk in the market to be trying to obtain those greater returns. So if you're comfortable, I've got a couple of different options that we might be able to swap that out with, and and some of those are actively managed funds. So I'm happy to look at that and update the advice and show you what that looks like. Is that okay with you, Amanda? Yep. Beautiful. Everything else that's in here isn't doing too badly. Everything else is pretty well up. It's all doing quite nicely in your portfolio there. I can look at a couple of options where I maybe update you to a newer portfolio, and I can also just review swapping one or two options options out. Are you comfortable with me maybe reviewing all the different options and seeing what provides a greater benefit down the track? Yep. Yep. Beautiful. Fantastic. We are very mindful of the tax consequences inside Super. So I'll do all the research around that for you, and I'll come back with the updated statement of advice which shows you what I'm recommending, how and why, and what the tax consequences for your super are. Does that make sense? Yeah. Beautiful. Because your tax your tax sorry. Your super fund, just like you, it does a tax return every year, so we wanna make sure that we're limiting the tax that your super fund has to account for. Okay. Oh, good. Not a problem at all. The other thing I wanted to sort of touch base on the insurance is so I can see here last year that we did have an exclusion removed, and we also had your smoker rates changed, which was fantastic. Cheaper premium now, which is good to see. In the event of something happening, your nearest life policy has a sum insured of 623,432, and you have the same amount of TPD cover linked to that. Thinking about the level of cover you have with life and TPD, does that seem fairly sufficient for where you are? Did you wanna look at reviewing those amounts? Or that sounds okay? Beautiful. Excellent. And I've also got down here the monthly benefit for your income protection policy of 5,179 pretax because income protection is a taxable income. What's your income at the moment now that you're back at work? Has that changed since we last caught up with you at all? Yep. I've got here 74,000 per annum. Oh, fantastic. A 104,000? Yep. That's okay. Yeah. That's okay. Yeah. Always the way. Sometimes they are. Yeah. That's okay. So 4,600? Zero zero six point eight eight. Not a problem at all. Let's just And so are you paid weekly, fortnightly? That's beautiful. So it's about 105,738 roughly. So if we work on, say, a 105,000 and with income protection, you can be covered for up to 70% of your income, your gross income, essentially. It essentially shows here based on that, you're a little bit underinsured. So if I work that out as a monthly figure, the monthly amount you'd need is approximately 6,125. At the moment, the income protection monthly benefit growth is 5,001 179. Now just so you're fully aware, if you were on an income protection claim, the income protection monthly benefit is also taxed the same as your income taxes, so you probably wouldn't receive that full amount. But do you think, say, between 4 to 5,000 on a monthly basis plus sorry, plus your partner's income, is that gonna cover most of your bills, or do you think you would wanna maybe increase that in line with that 70% to try and maximize the benefit as much as possible? It does it does increase the the benefit amount, the premium you are paying. Absolutely. If you wanted to because I'm not getting the advice. I could always look at what the cost is and maybe shoot you an email to have a look at what the cost is, and you can let me know what you'd like. Yeah. Yes. Correct. Yeah. It doesn't cover unemployment. So, essentially, you would need to be off work due to illness or injury. So say if, you know, broke your back or have broke your leg and you couldn't go to work and do your job for, you've got a twenty eight day waiting period, so you have to be off work for that twenty eight days prior to making a claim. And then you can be on a claim for up to five years. So it's around medical injuries or illnesses that you are able to claim on. It doesn't cover if you're just, you know, made redundant or if you resign from your role, unfortunately. Did you want me just to get a quote on what the increase might look like? And then you're you're welcome to let me know whether you wanna take on board the increase, and I can factor that into the advice, or if you're happy to keep it as is. Would that be something you'd like? Yeah. Yeah. Absolutely. Not a problem. Well, I'll get a quote through for that for you, and I'll email it to you in the next couple of days. You can come back to me, and my colleague Michelle will be able to help me follow-up to see how you're going with that so we can kind of update the advice with the investment side of things for you. Okay? Perfect. And you said you're happy to keep the life and TPD as it is. No need to reassess that at the moment at all? Yeah. Beautiful. Just while we are talking about the insurance, there's a lot of things to sort of consider are your assets and liabilities. Can I just confirm that you're renting where you are at the moment? Oh, fantastic. It's a purchase. I just didn't have that noted here. What's the current value you'd place on your house? Okay. Yeah. Wow. Fantastic. And what's the loan that you sort of have owing at the moment? That's okay. Beautiful. Thank you so much for that. I've also got down here assets wise a caravan. Do you still have the caravan? Oh, beautiful. And the four wheel drive, I don't have an a value on that one at the moment. What's the value would you put on that one? Yep. They they hold it pretty well. Yep. Beautiful. Excellent. What year model is it? 2010. Beautiful. If you like, I could always have a look at what the average value is for those as well. I have access to those sorts of things. Yep. Beautiful. Do you have any loans on the Prado? Is that fully owned outright? Yep. Perfect. Excellent. Excellent. And do you have any other collections, any shares, or anything that you own in your own name or any investments? No. That's okay. Are you have you ever had a will drawn up, or have you spoken to a solicitor and ever had a power of attorney set in place at all? No. Okay. Yeah. Absolutely. Yes. Having a having a child and how having a house, you've got a lot of assets that you've built behind you, and even the protection of your child. So one of the things that we have definitely seen in the past is where there's no will in place. Like, your beneficiaries cover your life insurance and your super, but everything outside of that needs to be directed through your will. It becomes an estate asset. And I have seen cases in the past where your partner doesn't inherit everything, unfortunately. It doesn't go to where you want it to be. Other family members can state their claim, and I have seen in the past where estates have been set distributed unevenly or have been provided to people who, you know, the person hasn't spoken to for years and years and years. So having a will is definitely important. If you like, a part of what we can provide is I can send an email through with some information on a local solicitor that we can refer you through to. It's a bit of a talking point and has a bit of a a costing of how much they charge to drive a will and power of attorney. Would you like me to do that for you? Yep. Well, it's it's local for us, but they do things over the phone as well. Yeah. Yep. It's just a bit of a talking point. And then if you do have a local solicitor, feel free to go and have a chat to them and see what they cost, see how they do things, and you can kinda decide how you wanna proceed there. But it's definitely something to make sure you do get done in the future. Okay? Beautiful. Excellent. Everything else looks pretty straightforward. I've got your updated income, which is fantastic. With your super, I know that you are just getting back to work, and you've had a lot of changes in your life at the moment. Are you open to making any kind of additional contributions to super over and above your employer, or is it something you'd rather not be doing right now just with all the changes? Yeah. Yeah. Yeah. Yeah. Absolutely. Wow. Yeah. Yeah. Yeah. Yeah. Absolutely. Not a problem at all. If and when you decide that's you wanna look at, feel free to let me know. We can provide advice and talk about what your limits are, and provide personal advice to show you what that looks and how that can benefit you down the track. And it's also important to note as being an ongoing client as well there, Amanda, we're here as as full licensed advisers. We can assist you in other areas. If you need advice on cash flow and budgeting, if you wanna talk to a mortgage broker, things like that, investment advice in other areas, feel free to let me know. We're here to support you and help you to try and meet all of your goals. So it's not just the super insurances. If you have something that you wanna sort of talk to us a bit more about or receive some additional advice on, please let me know. I'm more than happy to assist you. Okay? That's okay. So the main sort of goals for the next sort of twelve months are just sort of working at your position, getting your savings back, making sure little man's all sorted, and trying to sort of pay down your mortgage. Is there anything else that I may have missed in in any of that? Or No. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Absolutely. No. Perfect. Perfect. The only other thing I've sort of been looking at is is how you're invested. So with your portfolio at the moment, you're in I'm just double checking with Hub twenty four. So sorry. It's a little bit slow. But with the way it is, you're in more of a growth portfolio. So that generally sees about 90 sorry. About 80% of your super invested in growth assets. So thinking about things like Australian shares, international shares, listed property, and commodities. And then the other 20% in defense is the lower risk investors like cash, bonds, and fixed interest. Are you feeling fairly happy with where that might fit? Did you wanna look at or talk about maybe increasing the risk levels or decreasing? How do you sort of feel about your super in the market and what we've gone through so far? Yeah. Still going up. Yeah. Yeah. Yeah. Yeah. Yeah. No. That's okay. As we've been sort of talking and I've been asking a lot of questions, I've been sort of filling out the risk profile question as we go. The last of the two questions are more asking about how you feel if markets take a bit of a dip. So with what you're probably hearing and seeing in the news at the moment, there has been a lot of ups and downs that the the market has seen. If you're super like, it's seen a great 12% return over the last twelve months. But if you saw a dip, which it can and there will be these sorts of dips in the future, if you saw it fall by, say, 10 or 20 or 30%, how do you think you might be feeling? No. No. Yep. Yep. Yeah. Yeah. That's okay. Not a problem. Yeah. Beautiful. Yeah. Absolutely. Well, one of the things I do kind of like about my job is the educational value. So whilst we do see events like what we have in the past around COVID and the GSB, where the markets do take a bit of a dip, and you kinda we can't control what is gonna happen. A lot of what's happening in the market is just human beings making irrational emotional decisions. They're selling investments because they've heard something in the news. It's quite concerning to them. But with your super, because of where you are, because of how long you have until the age of 60, you have that time to withstand those ups and downs. So when you see a big 10 or 20 or 30% drop in your super, we want you to stay invested through those downtimes. And the investments that we invest you in have been through those downtimes. We pick investments that have seen the COVID dip, that have seen the GST, that have seen those sorts of downtimes, have gone through those big dips, and have come out and recovered from that. That way, you're not taking on crazy amounts of risk and investing in speculative. It's about making sure those investments have gone through those those market ups and downs and have withstood that and come out on top and still grown from that. And that's what we like to invest you in. When you see your super take a bit of a dip like that, let's say it was to drop by a 12% or even a 20% dip there, because you're not selling anything, you're not you're not actually selling out of those investments, you haven't cemented any of the losses. They're what we call paper losses, which means that the the value of the investment is there because of what's occurring. But if you don't sell any of those investments, it can allow the portfolio to come back and recover. With this growth portfolio with that eighty twenty split, we normally like you to have about a six year time horizon. So you don't wanna access that money for at least six years. Anything beyond that, you know, so anything shorter than that time frame to say you wanted to retire in the next four years and you were in your sort of, you know, fifties or early sixties, I probably wouldn't wanna see you in this sort of environment would be sort of falling back on your risk level. So the way we kind of like to invest, we start by taking a bit more risk now. And then as you get closer to accessing your super, as you get closer to retirement age, we'll start to draw back on that risk level and have you in more of a lower risk portfolio. Does that make sense? Yeah. Yeah. Beautiful. So we'll sort of talk and get to know where you are. And as you get closer and closer, we can start to reduce the risk levels. But if you're hearing anything that's concerning you, you're welcome to pick the phone or send us an email and say, hey. I need to have a chat. I just wanna talk through what I'm hearing or understanding because I'm more than happy to make that time for you as well. Okay? Perfect. Now having a look at where you are and the sort of what we've gone through, that growth environment still suits your time horizon and your risk capacity. Are you happy if I keep that $80.20 split with your super at the moment whilst it's working really well for you, and we can always keep to review that down the track? Yep. Beautiful. And moving forward, would you like us to do catch ups every three months, six months, or just twelve months? What sort of works in with your life, Amanda? What would you like to see? Twelve months. Yep. Beautiful. Not a problem. Absolutely. Yep. Yeah. Absolutely. That's not a problem at all. So the last sort of thing to let you know is we'll send out your annual review pack to you. It does have your ongoing service agreement in there for the next twelve months. I know you've probably gone through this a few times in the past there. The ongoing service agreement is a percentage phase fee that we charge for our services. It is 1.65% per annum, and it is deducted from your super in smaller monthly increments there. That's what our service is making sure we're looking after your super the insurance aspect, but it's also about making sure we're here to service any other goals that you need and, you know, look at whatever else is happening in your life there as well. Do you have any questions about how the ongoing service agreement works or the fee structure or anything like that? No? That's okay. All good. I've also added in there for you the financial services guide, which outlines everything about who we are, what we do, how we do it. It has all the services that we're able to provide there as well, and it has a lovely picture of myself as a licensed adviser. It's got all the information in there. I'm registered to ask, and my license number is also noted in there for you as well. Okay? It's that's okay. We'll also add all the reports that we've got here giving you showing you your current certificate, current needs to the insurances, the rate of return that we've gone through with regards to your portfolio report there. And we've also got just a loss super search, and we also do a a tax file consent form. So we like to make sure you're aware of the personal information that we do hold. We do hold your tax file number, so we wanna make sure you're aware of that. So we do have that consent form attached to this DocuSign for you as well. Okay. Beautiful. My colleague will send all that information out to you shortly. Once you get that email, if you could sign and return that for us. In the meantime, I'll go back and look at the the investments. So did the investments switch for you, and I'll get an I'll get an updated quote to increase your to, sorry, get increase your income protection policy, and I'll email that through to you. Sorry. Sorry. I had a mind blank there. And I'll email that through to you in a couple of days so you can have a look at that, and we can look at and talk about how to move forward. Does that sound okay? Yep. That's okay. I'll let you go because I do know you are set for time and about to go into a meeting. But if it's anything in the meantime, Amanda, please let me know. It's been an absolute pleasure to get to know you. Looking forward to helping you meet your goals moving forward. I will. You too. Thank you so much for your time. See you later. 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Amanda. This is Dana from Okey Financial. How are you today? I'm very well. Thank you.\n\nThanks for asking. I had you booked in this afternoon just to go through your annual review. Is now still a good time there for you? Yeah. That's okay.\n\nAll good. Before we jump into the call there, Amanda, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yep. Lovely.\n\nAnd we're doing security as well just because we are discussing your personal information. I just need to confirm your full name, your date of birth, and address I should have on file. Yep. Yep. Beautiful.\n\nThank thank you so much for that. Still any morning where you're located there? How's your day been so far? Wow. No.\n\nThat's okay. This normally does take about sort of thirty minutes to run through depending on what we have to go through. Is now still okay? If not, I'm happy to reschedule. And I do work late in the afternoon, so I can even do it sort of before or after work if it suits you better.\n\nIs now still okay? Yeah. Yeah. As they do. Not a problem at all.\n\nWell, I'll try to run through things, sorry, as quickly as I can. As we go through the annual review there, is there anything important that you wanted to ask me or anything you wanted me to touch on as part of this for you? Beautiful. Yep. Howard yeah.\n\nYep. Yeah. No. Fantastic. Excellent.\n\nI had a bit of a look here, so I can see you have been off on maternity leave, which is great. You're back to work now. With with looking at that now I'll just before I jump into everything, just run through your super and have a bit of a look at it all. So lastly, when we did your annual review in 2025, you bounced about a 140 $5,308.10. In the last twelve months, you have seen, even with not having many contributions going in, at 12.2% net return.\n\nSo you still have seen a good return out of your super debt, which is good to see. And your balance as of the April 21, so today's date, is about 156,000 sorry, 619. So you have seen a good increase even even with no additional contributions going in while you've been on maternity leave. So it is a positive thing to see. I had a bit of a look now with your contribute sorry.\n\nWith your super there as well, we do have it noted you've got a beneficiary on here. I believe it's your partner. That's the one. Yep. Perfect.\n\nSo you're happy for Daniel to be your nomination on there for your super? Yep. Beautiful. Lovely. And never yeah.\n\nPerfect. Perfect. We certainly hope nothing does. However, it is always good to make sure that is updated there. It does look like on your nearest insurance policy, we don't have a beneficiary nomination, so I wanted to make sure we update that for you as well.\n\nAre you wanting Daniel to be your nomination on your life insurance policy as well? Yeah. Beautiful. Are you happy for us to pre fill that nomination with all his information to make it easier on you? Fantastic.\n\nSo I've got here Daniel Peter Bloomfield as your spouse. Can I describe his date of birth just so I'm confirming everything correctly? 1971. Fantastic. And he yep.\n\nBeautiful. And he lives at the same address as yourself. Just double checking that one with you. Excellent. You just never know.\n\nLovely. And you're happy for him to be a 100% nomination. Is that right? Yep. Lovely.\n\nNow on your you've also got a binding non lapsing nomination. That essentially means that you've found the trustee to follow that direction, and non lapsing means that you don't have to keep filling these forms out. It stays applied until you alter or change your nomination. Are you happy for your super nomination to be the same way so you don't have to fill the format every couple of years? Yeah.\n\nYeah. Absolutely. Well, when we do these reviews every year, we'll go through and just reconfirm it. So if anything does change, we can help you to pick it up and help you to alter the forms when they be. Okay?\n\nFantastic. So if everything's going really well, I'll get my colleague Michelle. She's my admin team member. She's gonna organize, pre fill the form, and we'll have it sent out to you. Is it easier to email or post?\n\nWhat's more preferable for yourself? We can do both if you like. Email. Perfect. Not a problem at all.\n\nShe's doing this up as we speak, so we'll have it all set out to you to be signed. And, Witness, if you do find you have any troubles, Amanda, please let us know. Okay? No. It has to be manually wet signed, unfortunately.\n\nSo it just needs to be printed, signed, and the document does normally need to be witnessed as well. So if you just got two friends that can sort of or two people that you know that can just help you witness your your signature on the document, they can witness it and sign it, and then you can send it straight back to us. The only thing is a witness just can't be the person you're nominating as the beneficiary. So just not your staff if possible. Okay?\n\nYeah. Perfect. Excellent. Thank you. Yeah.\n\nAbsolutely. We'll pop it in the post as well. Absolutely. You've got a lot going on with a small child there, so it's very easy for these things to get missed. Yeah.\n\nIt is. It's amazing how much it changes your life, isn't it? Oh, beauti yeah. And you sorry. You mentioned you had a little boy.\n\nOh, beautiful. Oh, gorgeous. Do you spell it b o d I e? Oh, beautiful. Lovely.\n\nFantastic. It's changed your life in so many ways. It's so much fun at the same time. Yeah. Oh, beautiful.\n\nI hope you enjoy everything. We'll make sure we are catching up. So sorry. All good. Now I am very mindful that you've limited time today, so I'll touch on the things that I do need to touch on.\n\nI have also just had a bit of a look at your super now. I have noted with even though you've got a great return for the year, there has been some investments or one of your underlying investments has sort of been underperforming a little bit in here. So we've actually got your Ben along Australian Equities. That one there, the investment itself has had some underlying issues, which has made it sort of underperforming your super there. What I sort of wanted to do is to touch on this to maybe go back and review that investment option.\n\nWe've got a couple of other options out there that haven't been underperforming as much as this one, and maybe swap that one out. Are you comfortable with me just updating the advice and maybe changing the investment around for you? Yep. Beautiful. We wanna get rid of anything that's underperforming and make sure your sleep is working harder for you.\n\nExcellent. We do have a couple of options that we can look at. The idea of having Ben along in your portfolio was it was meant to be more of an actively managed component. So the investment manager within Van Along is meant to be actively managing the the funds and trying to sort of buy and sell or take investments where they see good quality growth. The idea there is that they're trying to outperform against the market.\n\nGenerally, when you have these sorts of actively managed investment managers, they you do pay a little bit more to have that component in there. Did you want me to keep looking at active managers to maybe swap that out with, or you have if we maybe look at something like a passive manager? Because the difference there is that passive managers are just looking to track a certain index. They're participating in the market and making sure that they're invested in line with with the industries that they are tracking. It can also be a little bit cheaper in the way of investing as well.\n\nDid you wanna look at something a bit cheaper, a bit more passive, or are you happy to try and have that active management in there and have a manager that's trying to outperform the market? What would you like to see? Yeah. Yeah. You wanna keep it a bit active?\n\nYep. That's absolutely fine. Yeah. Not a problem. So with who your agent stage, just looking at your last goals there as well, what age are you sort of hoping you'd like to be able to maybe stop working and retire in the future?\n\nWell, if if we even let it, we'll let you know. Yeah. At the moment, the earliest you can access super if you retire is age 60. So you have that option if you want as a bit of a goal. I can be working towards that age for you.\n\nYou're still really young. You've got a lot of time ahead of you before you get to that point. But it's more just looking at the longevity side of things. Did you want me to work on that as a goal for you at the moment? It's very fluid and can definitely change.\n\nYeah. Beautiful. I can do that. Not a problem at all. So I'll work on that sort of age frame there for you.\n\nSo having a bit of active management in your portfolio is absolutely fine. When you are younger, we can take a bit more risk in the market to be trying to obtain those greater returns. So if you're comfortable, I've got a couple of different options that we might be able to swap that out with, and and some of those are actively managed funds. So I'm happy to look at that and update the advice and show you what that looks like. Is that okay with you, Amanda?\n\nYep. Beautiful. Everything else that's in here isn't doing too badly. Everything else is pretty well up. It's all doing quite nicely in your portfolio there.\n\nI can look at a couple of options where I maybe update you to a newer portfolio, and I can also just review swapping one or two options options out. Are you comfortable with me maybe reviewing all the different options and seeing what provides a greater benefit down the track? Yep. Yep. Beautiful.\n\nFantastic. We are very mindful of the tax consequences inside Super. So I'll do all the research around that for you, and I'll come back with the updated statement of advice which shows you what I'm recommending, how and why, and what the tax consequences for your super are. Does that make sense? Yeah.\n\nBeautiful. Because your tax your tax sorry. Your super fund, just like you, it does a tax return every year, so we wanna make sure that we're limiting the tax that your super fund has to account for. Okay. Oh, good.\n\nNot a problem at all. The other thing I wanted to sort of touch base on the insurance is so I can see here last year that we did have an exclusion removed, and we also had your smoker rates changed, which was fantastic. Cheaper premium now, which is good to see. In the event of something happening, your nearest life policy has a sum insured of 623,432, and you have the same amount of TPD cover linked to that. Thinking about the level of cover you have with life and TPD, does that seem fairly sufficient for where you are?\n\nDid you wanna look at reviewing those amounts? Or that sounds okay? Beautiful. Excellent. And I've also got down here the monthly benefit for your income protection policy of 5,179 pretax because income protection is a taxable income.\n\nWhat's your income at the moment now that you're back at work? Has that changed since we last caught up with you at all? Yep. I've got here 74,000 per annum. Oh, fantastic.\n\nA 104,000? Yep. That's okay. Yeah. That's okay.\n\nYeah. Always the way. Sometimes they are. Yeah. That's okay.\n\nSo 4,600? Zero zero six point eight eight. Not a problem at all. Let's just And so are you paid weekly, fortnightly? That's beautiful.\n\nSo it's about 105,738 roughly. So if we work on, say, a 105,000 and with income protection, you can be covered for up to 70% of your income, your gross income, essentially. It essentially shows here based on that, you're a little bit underinsured. So if I work that out as a monthly figure, the monthly amount you'd need is approximately 6,125. At the moment, the income protection monthly benefit growth is 5,001 179.\n\nNow just so you're fully aware, if you were on an income protection claim, the income protection monthly benefit is also taxed the same as your income taxes, so you probably wouldn't receive that full amount. But do you think, say, between 4 to 5,000 on a monthly basis plus sorry, plus your partner's income, is that gonna cover most of your bills, or do you think you would wanna maybe increase that in line with that 70% to try and maximize the benefit as much as possible? It does it does increase the the benefit amount, the premium you are paying. Absolutely. If you wanted to because I'm not getting the advice.\n\nI could always look at what the cost is and maybe shoot you an email to have a look at what the cost is, and you can let me know what you'd like. Yeah. Yes. Correct. Yeah.\n\nIt doesn't cover unemployment. So, essentially, you would need to be off work due to illness or injury. So say if, you know, broke your back or have broke your leg and you couldn't go to work and do your job for, you've got a twenty eight day waiting period, so you have to be off work for that twenty eight days prior to making a claim. And then you can be on a claim for up to five years. So it's around medical injuries or illnesses that you are able to claim on.\n\nIt doesn't cover if you're just, you know, made redundant or if you resign from your role, unfortunately. Did you want me just to get a quote on what the increase might look like? And then you're you're welcome to let me know whether you wanna take on board the increase, and I can factor that into the advice, or if you're happy to keep it as is. Would that be something you'd like? Yeah.\n\nYeah. Absolutely. Not a problem. Well, I'll get a quote through for that for you, and I'll email it to you in the next couple of days. You can come back to me, and my colleague Michelle will be able to help me follow-up to see how you're going with that so we can kind of update the advice with the investment side of things for you.\n\nOkay? Perfect. And you said you're happy to keep the life and TPD as it is. No need to reassess that at the moment at all? Yeah.\n\nBeautiful. Just while we are talking about the insurance, there's a lot of things to sort of consider are your assets and liabilities. Can I just confirm that you're renting where you are at the moment? Oh, fantastic. It's a purchase.\n\nI just didn't have that noted here. What's the current value you'd place on your house? Okay. Yeah. Wow.\n\nFantastic. And what's the loan that you sort of have owing at the moment? That's okay. Beautiful. Thank you so much for that.\n\nI've also got down here assets wise a caravan. Do you still have the caravan? Oh, beautiful. And the four wheel drive, I don't have an a value on that one at the moment. What's the value would you put on that one?\n\nYep. They they hold it pretty well. Yep. Beautiful. Excellent.\n\nWhat year model is it? 2010. Beautiful. If you like, I could always have a look at what the average value is for those as well. I have access to those sorts of things.\n\nYep. Beautiful. Do you have any loans on the Prado? Is that fully owned outright? Yep.\n\nPerfect. Excellent. Excellent. And do you have any other collections, any shares, or anything that you own in your own name or any investments? No.\n\nThat's okay. Are you have you ever had a will drawn up, or have you spoken to a solicitor and ever had a power of attorney set in place at all? No. Okay. Yeah.\n\nAbsolutely. Yes. Having a having a child and how having a house, you've got a lot of assets that you've built behind you, and even the protection of your child. So one of the things that we have definitely seen in the past is where there's no will in place. Like, your beneficiaries cover your life insurance and your super, but everything outside of that needs to be directed through your will.\n\nIt becomes an estate asset. And I have seen cases in the past where your partner doesn't inherit everything, unfortunately. It doesn't go to where you want it to be. Other family members can state their claim, and I have seen in the past where estates have been set distributed unevenly or have been provided to people who, you know, the person hasn't spoken to for years and years and years. So having a will is definitely important.\n\nIf you like, a part of what we can provide is I can send an email through with some information on a local solicitor that we can refer you through to. It's a bit of a talking point and has a bit of a a costing of how much they charge to drive a will and power of attorney. Would you like me to do that for you? Yep. Well, it's it's local for us, but they do things over the phone as well.\n\nYeah. Yep. It's just a bit of a talking point. And then if you do have a local solicitor, feel free to go and have a chat to them and see what they cost, see how they do things, and you can kinda decide how you wanna proceed there. But it's definitely something to make sure you do get done in the future.\n\nOkay? Beautiful. Excellent. Everything else looks pretty straightforward. I've got your updated income, which is fantastic.\n\nWith your super, I know that you are just getting back to work, and you've had a lot of changes in your life at the moment. Are you open to making any kind of additional contributions to super over and above your employer, or is it something you'd rather not be doing right now just with all the changes? Yeah. Yeah. Yeah.\n\nYeah. Absolutely. Wow. Yeah. Yeah.\n\nYeah. Yeah. Absolutely. Not a problem at all. If and when you decide that's you wanna look at, feel free to let me know.\n\nWe can provide advice and talk about what your limits are, and provide personal advice to show you what that looks and how that can benefit you down the track. And it's also important to note as being an ongoing client as well there, Amanda, we're here as as full licensed advisers. We can assist you in other areas. If you need advice on cash flow and budgeting, if you wanna talk to a mortgage broker, things like that, investment advice in other areas, feel free to let me know. We're here to support you and help you to try and meet all of your goals.\n\nSo it's not just the super insurances. If you have something that you wanna sort of talk to us a bit more about or receive some additional advice on, please let me know. I'm more than happy to assist you. Okay? That's okay.\n\nSo the main sort of goals for the next sort of twelve months are just sort of working at your position, getting your savings back, making sure little man's all sorted, and trying to sort of pay down your mortgage. Is there anything else that I may have missed in in any of that? Or No. Yep. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Absolutely.\n\nNo. Perfect. Perfect. The only other thing I've sort of been looking at is is how you're invested. So with your portfolio at the moment, you're in I'm just double checking with Hub twenty four.\n\nSo sorry. It's a little bit slow. But with the way it is, you're in more of a growth portfolio. So that generally sees about 90 sorry. About 80% of your super invested in growth assets.\n\nSo thinking about things like Australian shares, international shares, listed property, and commodities. And then the other 20% in defense is the lower risk investors like cash, bonds, and fixed interest. Are you feeling fairly happy with where that might fit? Did you wanna look at or talk about maybe increasing the risk levels or decreasing? How do you sort of feel about your super in the market and what we've gone through so far?\n\nYeah. Still going up. Yeah. Yeah. Yeah.\n\nYeah. Yeah. No. That's okay. As we've been sort of talking and I've been asking a lot of questions, I've been sort of filling out the risk profile question as we go.\n\nThe last of the two questions are more asking about how you feel if markets take a bit of a dip. So with what you're probably hearing and seeing in the news at the moment, there has been a lot of ups and downs that the the market has seen. If you're super like, it's seen a great 12% return over the last twelve months. But if you saw a dip, which it can and there will be these sorts of dips in the future, if you saw it fall by, say, 10 or 20 or 30%, how do you think you might be feeling? No.\n\nNo. Yep. Yep. Yeah. Yeah.\n\nThat's okay. Not a problem. Yeah. Beautiful. Yeah.\n\nAbsolutely. Well, one of the things I do kind of like about my job is the educational value. So whilst we do see events like what we have in the past around COVID and the GSB, where the markets do take a bit of a dip, and you kinda we can't control what is gonna happen. A lot of what's happening in the market is just human beings making irrational emotional decisions. They're selling investments because they've heard something in the news.\n\nIt's quite concerning to them. But with your super, because of where you are, because of how long you have until the age of 60, you have that time to withstand those ups and downs. So when you see a big 10 or 20 or 30% drop in your super, we want you to stay invested through those downtimes. And the investments that we invest you in have been through those downtimes. We pick investments that have seen the COVID dip, that have seen the GST, that have seen those sorts of downtimes, have gone through those big dips, and have come out and recovered from that.\n\nThat way, you're not taking on crazy amounts of risk and investing in speculative. It's about making sure those investments have gone through those those market ups and downs and have withstood that and come out on top and still grown from that. And that's what we like to invest you in. When you see your super take a bit of a dip like that, let's say it was to drop by a 12% or even a 20% dip there, because you're not selling anything, you're not you're not actually selling out of those investments, you haven't cemented any of the losses. They're what we call paper losses, which means that the the value of the investment is there because of what's occurring.\n\nBut if you don't sell any of those investments, it can allow the portfolio to come back and recover. With this growth portfolio with that eighty twenty split, we normally like you to have about a six year time horizon. So you don't wanna access that money for at least six years. Anything beyond that, you know, so anything shorter than that time frame to say you wanted to retire in the next four years and you were in your sort of, you know, fifties or early sixties, I probably wouldn't wanna see you in this sort of environment would be sort of falling back on your risk level. So the way we kind of like to invest, we start by taking a bit more risk now.\n\nAnd then as you get closer to accessing your super, as you get closer to retirement age, we'll start to draw back on that risk level and have you in more of a lower risk portfolio. Does that make sense? Yeah. Yeah. Beautiful.\n\nSo we'll sort of talk and get to know where you are. And as you get closer and closer, we can start to reduce the risk levels. But if you're hearing anything that's concerning you, you're welcome to pick the phone or send us an email and say, hey. I need to have a chat. I just wanna talk through what I'm hearing or understanding because I'm more than happy to make that time for you as well.\n\nOkay? Perfect. Now having a look at where you are and the sort of what we've gone through, that growth environment still suits your time horizon and your risk capacity. Are you happy if I keep that $80.20 split with your super at the moment whilst it's working really well for you, and we can always keep to review that down the track? Yep.\n\nBeautiful. And moving forward, would you like us to do catch ups every three months, six months, or just twelve months? What sort of works in with your life, Amanda? What would you like to see? Twelve months.\n\nYep. Beautiful. Not a problem. Absolutely. Yep.\n\nYeah. Absolutely. That's not a problem at all. So the last sort of thing to let you know is we'll send out your annual review pack to you. It does have your ongoing service agreement in there for the next twelve months.\n\nI know you've probably gone through this a few times in the past there. The ongoing service agreement is a percentage phase fee that we charge for our services. It is 1.65% per annum, and it is deducted from your super in smaller monthly increments there. That's what our service is making sure we're looking after your super the insurance aspect, but it's also about making sure we're here to service any other goals that you need and, you know, look at whatever else is happening in your life there as well. Do you have any questions about how the ongoing service agreement works or the fee structure or anything like that?\n\nNo? That's okay. All good. I've also added in there for you the financial services guide, which outlines everything about who we are, what we do, how we do it. It has all the services that we're able to provide there as well, and it has a lovely picture of myself as a licensed adviser.\n\nIt's got all the information in there. I'm registered to ask, and my license number is also noted in there for you as well. Okay? It's that's okay. We'll also add all the reports that we've got here giving you showing you your current certificate, current needs to the insurances, the rate of return that we've gone through with regards to your portfolio report there.\n\nAnd we've also got just a loss super search, and we also do a a tax file consent form. So we like to make sure you're aware of the personal information that we do hold. We do hold your tax file number, so we wanna make sure you're aware of that. So we do have that consent form attached to this DocuSign for you as well. Okay.\n\nBeautiful. My colleague will send all that information out to you shortly. Once you get that email, if you could sign and return that for us. In the meantime, I'll go back and look at the the investments. So did the investments switch for you, and I'll get an I'll get an updated quote to increase your to, sorry, get increase your income protection policy, and I'll email that through to you.\n\nSorry. Sorry. I had a mind blank there. And I'll email that through to you in a couple of days so you can have a look at that, and we can look at and talk about how to move forward. Does that sound okay?\n\nYep. That's okay. I'll let you go because I do know you are set for time and about to go into a meeting. But if it's anything in the meantime, Amanda, please let me know. It's been an absolute pleasure to get to know you.\n\nLooking forward to helping you meet your goals moving forward. I will. You too. Thank you so much for your time. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, Amanda.","start":2.56,"end":3.28,"sentiment":"neutral","sentiment_score":0.12990020960569382},{"text":"This is Dana from Okey Financial.","start":3.28,"end":5.04,"sentiment":"neutral","sentiment_score":0.17564921329418817},{"text":"How are you today?","start":5.04,"end":6.1,"sentiment":"neutral","sentiment_score":0.22986871749162674},{"text":"I'm very well.","start":8.4,"end":9.2,"sentiment":"positive","sentiment_score":0.5532952149709066},{"text":"Thank you.","start":9.2,"end":9.5199995,"sentiment":"positive","sentiment_score":0.6374585628509521}],"sentiment":"neutral","sentiment_score":0.3039984317386852,"num_words":17,"start":2.56,"end":9.5199995},{"sentences":[{"text":"Thanks for asking.","start":9.5199995,"end":10.32,"sentiment":"positive","sentiment_score":0.6049406131108602},{"text":"I had you booked in this afternoon just to go through your annual review.","start":10.32,"end":13.12,"sentiment":"neutral","sentiment_score":0.22459652168410166},{"text":"Is now still a good time there for you?","start":13.12,"end":15.059999,"sentiment":"neutral","sentiment_score":0.22296153671211666},{"text":"Yeah.","start":16.865,"end":17.185,"sentiment":"neutral","sentiment_score":0.16067808866500854},{"text":"That's okay.","start":17.185,"end":17.904999,"sentiment":"neutral","sentiment_score":0.3135908246040344}],"sentiment":"neutral","sentiment_score":0.2673685072824873,"num_words":29,"start":9.5199995,"end":17.904999},{"sentences":[{"text":"All good.","start":17.904999,"end":18.645,"sentiment":"positive","sentiment_score":0.44983482360839844},{"text":"Before we jump into the call there, Amanda, just to let you know, we do record our calls for quality and training purposes.","start":19.105,"end":23.664999,"sentiment":"neutral","sentiment_score":0.1056101354567901},{"text":"Are you happy for me to proceed with that?","start":23.664999,"end":25.685,"sentiment":"neutral","sentiment_score":0.15769471062554252},{"text":"Yep.","start":27.28,"end":27.52,"sentiment":"neutral","sentiment_score":0.16132692992687225},{"text":"Lovely.","start":27.52,"end":28.0,"sentiment":"neutral","sentiment_score":0.31494301557540894}],"sentiment":"neutral","sentiment_score":0.1451173639959759,"num_words":36,"start":17.904999,"end":28.0},{"sentences":[{"text":"And we're doing security as well just because we are discussing your personal information.","start":28.0,"end":31.300001,"sentiment":"neutral","sentiment_score":0.19021774615560258},{"text":"I just need to confirm your full name, your date of birth, and address I should have on file.","start":31.52,"end":35.38,"sentiment":"neutral","sentiment_score":0.11669344651071649},{"text":"Yep.","start":39.774998,"end":40.274998,"sentiment":"neutral","sentiment_score":0.04363616555929184},{"text":"Yep.","start":43.135,"end":43.635,"sentiment":"neutral","sentiment_score":0.03630174696445465},{"text":"Beautiful.","start":47.855,"end":48.355,"sentiment":"neutral","sentiment_score":0.1247449666261673}],"sentiment":"neutral","sentiment_score":0.14124741136199898,"num_words":36,"start":28.0,"end":48.355},{"sentences":[{"text":"Thank thank you so much for that.","start":48.414997,"end":51.550003,"sentiment":"positive","sentiment_score":0.42317089438438416},{"text":"Still any morning where you're located there?","start":51.550003,"end":53.47,"sentiment":"neutral","sentiment_score":0.12420426096235003},{"text":"How's your day been so far?","start":53.47,"end":55.010002,"sentiment":"neutral","sentiment_score":0.09001649046937625},{"text":"Wow.","start":60.99,"end":61.49,"sentiment":"neutral","sentiment_score":0.045221611857414246},{"text":"No.","start":61.63,"end":61.870003,"sentiment":"neutral","sentiment_score":-0.027357883751392365}],"sentiment":"neutral","sentiment_score":0.1995267617431554,"num_words":22,"start":48.414997,"end":61.870003},{"sentences":[{"text":"That's okay.","start":61.870003,"end":62.670002,"sentiment":"neutral","sentiment_score":-0.001329791732132434},{"text":"This normally does take about sort of thirty minutes to run through depending on what we have to go through.","start":62.670002,"end":67.295,"sentiment":"neutral","sentiment_score":0.007077916152775287},{"text":"Is now still okay?","start":67.59499,"end":68.875,"sentiment":"neutral","sentiment_score":0.03606431372463703},{"text":"If not, I'm happy to reschedule.","start":68.875,"end":70.314995,"sentiment":"neutral","sentiment_score":0.011947836726903915},{"text":"And I do work late in the afternoon, so I can even do it sort of before or after work if it suits you better.","start":70.314995,"end":75.354996,"sentiment":"neutral","sentiment_score":0.11646440327167511}],"sentiment":"neutral","sentiment_score":0.05730619467794895,"num_words":57,"start":61.870003,"end":75.354996},{"sentences":[{"text":"Is now still okay?","start":75.354996,"end":76.494995,"sentiment":"neutral","sentiment_score":0.05602968204766512},{"text":"Yeah.","start":85.60999,"end":86.10999,"sentiment":"neutral","sentiment_score":0.042101290076971054},{"text":"Yeah.","start":86.329994,"end":86.829994,"sentiment":"neutral","sentiment_score":0.03794076293706894},{"text":"As they do.","start":86.89,"end":87.689995,"sentiment":"neutral","sentiment_score":0.03852999769151211},{"text":"Not a problem at all.","start":87.689995,"end":88.96999,"sentiment":"neutral","sentiment_score":0.12287352085113526}],"sentiment":"neutral","sentiment_score":0.07386559846677951,"num_words":14,"start":75.354996,"end":88.96999},{"sentences":[{"text":"Well, I'll try to run through things, sorry, as quickly as I can.","start":88.96999,"end":92.645,"sentiment":"neutral","sentiment_score":0.038825553483687915},{"text":"As we go through the annual review there, is there anything important that you wanted to ask me or anything you wanted me to touch on as part of this for you?","start":92.645,"end":99.225,"sentiment":"neutral","sentiment_score":0.05669509549625218},{"text":"Beautiful.","start":103.22,"end":103.72,"sentiment":"neutral","sentiment_score":0.0601281002163887},{"text":"Yep.","start":107.14,"end":107.64,"sentiment":"neutral","sentiment_score":0.15421180427074432},{"text":"Howard yeah.","start":113.06,"end":113.88,"sentiment":"neutral","sentiment_score":0.16417470574378967}],"sentiment":"neutral","sentiment_score":0.05840131769679031,"num_words":49,"start":88.96999,"end":113.88},{"sentences":[{"text":"Yep.","start":119.875,"end":120.375,"sentiment":"neutral","sentiment_score":0.07455004751682281},{"text":"Yeah.","start":120.435,"end":120.755,"sentiment":"neutral","sentiment_score":0.08105052262544632},{"text":"No.","start":120.755,"end":121.155,"sentiment":"neutral","sentiment_score":0.1921407580375671},{"text":"Fantastic.","start":121.155,"end":121.655,"sentiment":"positive","sentiment_score":0.5659011602401733},{"text":"Excellent.","start":122.034996,"end":122.534996,"sentiment":"positive","sentiment_score":0.6283115148544312}],"sentiment":"neutral","sentiment_score":0.30839080065488816,"num_words":5,"start":119.875,"end":122.534996},{"sentences":[{"text":"I had a bit of a look here, so I can see you have been off on maternity leave, which is great.","start":123.235,"end":126.755,"sentiment":"positive","sentiment_score":0.5110222236676649},{"text":"You're back to work now.","start":126.755,"end":128.055,"sentiment":"positive","sentiment_score":0.4879875361919403},{"text":"With with looking at that now I'll just before I jump into everything, just run through your super and have a bit of a look at it all.","start":129.06001,"end":134.68001,"sentiment":"neutral","sentiment_score":0.28032364909137997},{"text":"So lastly, when we did your annual review in 2025, you bounced about a 140 $5,308.10.","start":134.98001,"end":141.40001,"sentiment":"neutral","sentiment_score":0.14344940474256873},{"text":"In the last twelve months, you have seen, even with not having many contributions going in, at 12.2% net return.","start":142.145,"end":149.02501,"sentiment":"neutral","sentiment_score":0.33068725317716596}],"sentiment":"positive","sentiment_score":0.33451015731463063,"num_words":91,"start":123.235,"end":149.02501},{"sentences":[{"text":"So you still have seen a good return out of your super debt, which is good to see.","start":149.02501,"end":152.88501,"sentiment":"positive","sentiment_score":0.6642150514655643},{"text":"And your balance as of the April 21, so today's date, is about 156,000 sorry, 619.","start":154.0,"end":161.78,"sentiment":"neutral","sentiment_score":0.31645084731280804},{"text":"So you have seen a good increase even even with no additional contributions going in while you've been on maternity leave.","start":161.84,"end":167.51999,"sentiment":"positive","sentiment_score":0.4908257020371301},{"text":"So it is a positive thing to see.","start":167.51999,"end":169.515,"sentiment":"positive","sentiment_score":0.7785690724849701},{"text":"I had a bit of a look now with your contribute sorry.","start":170.555,"end":173.355,"sentiment":"neutral","sentiment_score":0.07887566244850557}],"sentiment":"positive","sentiment_score":0.46001979673902194,"num_words":75,"start":149.02501,"end":173.355},{"sentences":[{"text":"With your super there as well, we do have it noted you've got a beneficiary on here.","start":173.355,"end":178.495,"sentiment":"neutral","sentiment_score":0.07808359361746732},{"text":"I believe it's your partner.","start":178.795,"end":180.175,"sentiment":"neutral","sentiment_score":0.05451811552047729},{"text":"That's the one.","start":183.77,"end":184.49,"sentiment":"neutral","sentiment_score":0.09663509329160054},{"text":"Yep.","start":184.49,"end":184.81,"sentiment":"neutral","sentiment_score":0.11567109078168868},{"text":"Perfect.","start":184.81,"end":185.29,"sentiment":"positive","sentiment_score":0.4026380479335785}],"sentiment":"neutral","sentiment_score":0.0891935588033111,"num_words":27,"start":173.355,"end":185.29},{"sentences":[{"text":"So you're happy for Daniel to be your nomination on there for your super?","start":185.29,"end":189.06999,"sentiment":"positive","sentiment_score":0.37108443464551655},{"text":"Yep.","start":190.97,"end":191.47,"sentiment":"neutral","sentiment_score":0.054080478847026825},{"text":"Beautiful.","start":192.73,"end":193.23,"sentiment":"positive","sentiment_score":0.4780922830104828},{"text":"Lovely.","start":193.45,"end":193.93,"sentiment":"positive","sentiment_score":0.3808172345161438},{"text":"And never yeah.","start":193.93,"end":196.825,"sentiment":"neutral","sentiment_score":0.09632238994042079}],"sentiment":"neutral","sentiment_score":0.31985696256160734,"num_words":20,"start":185.29,"end":196.825},{"sentences":[{"text":"Perfect.","start":200.72499,"end":201.22499,"sentiment":"neutral","sentiment_score":0.2744963467121124},{"text":"Perfect.","start":201.36499,"end":201.765,"sentiment":"neutral","sentiment_score":0.26430124044418335},{"text":"We certainly hope nothing does.","start":201.765,"end":203.625,"sentiment":"neutral","sentiment_score":0.11967856734991074},{"text":"However, it is always good to make sure that is updated there.","start":203.92499,"end":207.09,"sentiment":"neutral","sentiment_score":0.013454216377188763},{"text":"It does look like on your nearest insurance policy, we don't have a beneficiary nomination, so I wanted to make sure we update that for you as well.","start":207.33,"end":214.79,"sentiment":"neutral","sentiment_score":0.027570167622928108}],"sentiment":"neutral","sentiment_score":0.044055440720725564,"num_words":47,"start":200.72499,"end":214.79},{"sentences":[{"text":"Are you wanting Daniel to be your nomination on your life insurance policy as well?","start":215.33,"end":220.15,"sentiment":"neutral","sentiment_score":0.05715228642026583},{"text":"Yeah.","start":221.735,"end":222.135,"sentiment":"neutral","sentiment_score":0.11007285118103027},{"text":"Beautiful.","start":222.135,"end":222.535,"sentiment":"neutral","sentiment_score":0.037061259150505066},{"text":"Are you happy for us to pre fill that nomination with all his information to make it easier on you?","start":222.535,"end":227.675,"sentiment":"positive","sentiment_score":0.38621081337332724},{"text":"Fantastic.","start":229.495,"end":229.995,"sentiment":"positive","sentiment_score":0.6576391458511353}],"sentiment":"neutral","sentiment_score":0.2470072057882422,"num_words":38,"start":215.33,"end":229.995},{"sentences":[{"text":"So I've got here Daniel Peter Bloomfield as your spouse.","start":230.135,"end":233.9,"sentiment":"neutral","sentiment_score":0.25779871046543124},{"text":"Can I describe his date of birth just so I'm confirming everything correctly?","start":234.12,"end":237.73999,"sentiment":"neutral","sentiment_score":0.17626489125765288},{"text":"1971.","start":242.2,"end":243.31999,"sentiment":"neutral","sentiment_score":0.05973690748214722},{"text":"Fantastic.","start":243.31999,"end":243.81999,"sentiment":"neutral","sentiment_score":0.3132738471031189},{"text":"And he yep.","start":244.2,"end":247.19499,"sentiment":"neutral","sentiment_score":0.10625753303368886}],"sentiment":"neutral","sentiment_score":0.19861478731036186,"num_words":28,"start":230.135,"end":247.19499},{"sentences":[{"text":"Beautiful.","start":247.415,"end":247.915,"sentiment":"positive","sentiment_score":0.48833420872688293},{"text":"And he lives at the same address as yourself.","start":248.135,"end":250.135,"sentiment":"neutral","sentiment_score":0.1993638128042221},{"text":"Just double checking that one with you.","start":250.135,"end":252.235,"sentiment":"neutral","sentiment_score":0.11552019417285919},{"text":"Excellent.","start":252.375,"end":252.875,"sentiment":"positive","sentiment_score":0.46303433179855347},{"text":"You just never know.","start":253.895,"end":255.19499,"sentiment":"neutral","sentiment_score":0.14370792731642723}],"sentiment":"neutral","sentiment_score":0.1876870874654163,"num_words":22,"start":247.415,"end":255.19499},{"sentences":[{"text":"Lovely.","start":257.75,"end":258.15002,"sentiment":"positive","sentiment_score":0.6548706293106079},{"text":"And you're happy for him to be a 100% nomination.","start":258.15002,"end":260.65002,"sentiment":"positive","sentiment_score":0.6534999549388886},{"text":"Is that right?","start":260.87003,"end":261.77002,"sentiment":"positive","sentiment_score":0.3731265962123871},{"text":"Yep.","start":263.27002,"end":263.59003,"sentiment":"neutral","sentiment_score":0.21663928031921387},{"text":"Lovely.","start":263.59003,"end":263.91,"sentiment":"positive","sentiment_score":0.39039650559425354}],"sentiment":"positive","sentiment_score":0.5572678595781326,"num_words":16,"start":257.75,"end":263.91},{"sentences":[{"text":"Now on your you've also got a binding non lapsing nomination.","start":263.91,"end":266.89,"sentiment":"neutral","sentiment_score":0.20723367008295926},{"text":"That essentially means that you've found the trustee to follow that direction, and non lapsing means that you don't have to keep filling these forms out.","start":266.95,"end":273.405,"sentiment":"neutral","sentiment_score":0.19386986585763785},{"text":"It stays applied until you alter or change your nomination.","start":273.405,"end":276.625,"sentiment":"neutral","sentiment_score":0.20791956335306166},{"text":"Are you happy for your super nomination to be the same way so you don't have to fill the format every couple of years?","start":277.16498,"end":282.78497,"sentiment":"neutral","sentiment_score":0.25425416075934965},{"text":"Yeah.","start":284.125,"end":284.625,"sentiment":"neutral","sentiment_score":0.035553041845560074}],"sentiment":"neutral","sentiment_score":0.21579215856682923,"num_words":72,"start":263.91,"end":284.625},{"sentences":[{"text":"Yeah.","start":289.02,"end":289.34,"sentiment":"neutral","sentiment_score":0.07911413162946701},{"text":"Absolutely.","start":289.34,"end":289.74,"sentiment":"neutral","sentiment_score":0.13879194855690002},{"text":"Well, when we do these reviews every year, we'll go through and just reconfirm it.","start":289.74,"end":293.02,"sentiment":"neutral","sentiment_score":0.10943620800971984},{"text":"So if anything does change, we can help you to pick it up and help you to alter the forms when they be.","start":293.02,"end":298.22,"sentiment":"neutral","sentiment_score":0.13769560566414957},{"text":"Okay?","start":298.22,"end":298.72,"sentiment":"neutral","sentiment_score":0.0834152027964592}],"sentiment":"neutral","sentiment_score":0.12463081300985522,"num_words":41,"start":289.02,"end":298.72},{"sentences":[{"text":"Fantastic.","start":300.695,"end":301.195,"sentiment":"positive","sentiment_score":0.3354746699333191},{"text":"So if everything's going really well, I'll get my colleague Michelle.","start":302.135,"end":304.775,"sentiment":"neutral","sentiment_score":0.2668437930670651},{"text":"She's my admin team member.","start":304.775,"end":305.975,"sentiment":"neutral","sentiment_score":0.19548522531986237},{"text":"She's gonna organize, pre fill the form, and we'll have it sent out to you.","start":305.975,"end":309.17502,"sentiment":"neutral","sentiment_score":0.2160620669523875},{"text":"Is it easier to email or post?","start":309.17502,"end":311.575,"sentiment":"neutral","sentiment_score":0.06509324668773583}],"sentiment":"neutral","sentiment_score":0.2037119551633413,"num_words":39,"start":300.695,"end":311.575},{"sentences":[{"text":"What's more preferable for yourself?","start":311.575,"end":313.095,"sentiment":"neutral","sentiment_score":0.03542039021849632},{"text":"We can do both if you like.","start":313.095,"end":314.635,"sentiment":"neutral","sentiment_score":0.08929820358753204},{"text":"Email.","start":318.14,"end":318.64,"sentiment":"neutral","sentiment_score":0.16413892805576324},{"text":"Perfect.","start":318.78,"end":319.28,"sentiment":"positive","sentiment_score":0.3732703924179077},{"text":"Not a problem at all.","start":319.34003,"end":320.62003,"sentiment":"neutral","sentiment_score":0.25245316326618195}],"sentiment":"neutral","sentiment_score":0.13694023752683088,"num_words":19,"start":311.575,"end":320.62003},{"sentences":[{"text":"She's doing this up as we speak, so we'll have it all set out to you to be signed.","start":320.62003,"end":324.96002,"sentiment":"neutral","sentiment_score":0.2900689024674265},{"text":"And, Witness, if you do find you have any troubles, Amanda, please let us know.","start":325.18002,"end":329.02002,"sentiment":"neutral","sentiment_score":0.0961889753739039},{"text":"Okay?","start":329.02002,"end":329.52002,"sentiment":"neutral","sentiment_score":0.06373478472232819},{"text":"No.","start":334.54498,"end":334.78497,"sentiment":"neutral","sentiment_score":-0.018198806792497635},{"text":"It has to be manually wet signed, unfortunately.","start":334.78497,"end":337.205,"sentiment":"neutral","sentiment_score":-0.07030447665601969}],"sentiment":"neutral","sentiment_score":0.14630099868571217,"num_words":44,"start":320.62003,"end":337.205},{"sentences":[{"text":"So it just needs to be printed, signed, and the document does normally need to be witnessed as well.","start":337.26498,"end":342.645,"sentiment":"neutral","sentiment_score":-0.035223829510964845},{"text":"So if you just got two friends that can sort of or two people that you know that can just help you witness your your signature on the document, they can witness it and sign it, and then you can send it straight back to us.","start":342.93,"end":353.51,"sentiment":"neutral","sentiment_score":0.018221362615409104},{"text":"The only thing is a witness just can't be the person you're nominating as the beneficiary.","start":353.73,"end":358.375,"sentiment":"neutral","sentiment_score":-0.0846050891559571},{"text":"So just not your staff if possible.","start":358.595,"end":360.45502,"sentiment":"neutral","sentiment_score":-0.07834554250751223},{"text":"Okay?","start":360.595,"end":361.095,"sentiment":"neutral","sentiment_score":0.00030739931389689445}],"sentiment":"neutral","sentiment_score":-0.0194703697206013,"num_words":89,"start":337.26498,"end":361.095},{"sentences":[{"text":"Yeah.","start":362.755,"end":363.255,"sentiment":"neutral","sentiment_score":0.13813598453998566},{"text":"Perfect.","start":363.475,"end":363.975,"sentiment":"positive","sentiment_score":0.351334810256958},{"text":"Excellent.","start":364.595,"end":365.095,"sentiment":"positive","sentiment_score":0.520392894744873},{"text":"Thank you.","start":365.39502,"end":366.215,"sentiment":"positive","sentiment_score":0.4769773483276367},{"text":"Yeah.","start":369.65,"end":370.13,"sentiment":"neutral","sentiment_score":0.11933676898479462}],"sentiment":"positive","sentiment_score":0.34719252586364746,"num_words":6,"start":362.755,"end":370.13},{"sentences":[{"text":"Absolutely.","start":370.13,"end":370.63,"sentiment":"neutral","sentiment_score":0.1592438519001007},{"text":"We'll pop it in the post as well.","start":370.69,"end":372.47,"sentiment":"neutral","sentiment_score":0.11314125452190638},{"text":"Absolutely.","start":379.905,"end":380.405,"sentiment":"neutral","sentiment_score":0.24436847865581512},{"text":"You've got a lot going on with a small child there, so it's very easy for these things to get missed.","start":380.625,"end":385.92502,"sentiment":"neutral","sentiment_score":0.1623695707392125},{"text":"Yeah.","start":387.025,"end":387.525,"sentiment":"neutral","sentiment_score":-0.0072886524721980095}],"sentiment":"neutral","sentiment_score":0.14722545936820097,"num_words":32,"start":370.13,"end":387.525},{"sentences":[{"text":"It is.","start":391.44,"end":391.91998,"sentiment":"neutral","sentiment_score":-0.04759487882256508},{"text":"It's amazing how much it changes your life, isn't it?","start":391.91998,"end":395.13998,"sentiment":"neutral","sentiment_score":0.1856583498418331},{"text":"Oh, beauti yeah.","start":396.72,"end":398.0,"sentiment":"neutral","sentiment_score":0.15107082575559616},{"text":"And you sorry.","start":398.0,"end":398.63998,"sentiment":"neutral","sentiment_score":0.012064331211149693},{"text":"You mentioned you had a little boy.","start":398.63998,"end":400.34,"sentiment":"neutral","sentiment_score":0.002607522798436029}],"sentiment":"neutral","sentiment_score":0.09076207485049963,"num_words":25,"start":391.44,"end":400.34},{"sentences":[{"text":"Oh, beautiful.","start":402.0,"end":403.53998,"sentiment":"neutral","sentiment_score":0.14602325484156609},{"text":"Oh, gorgeous.","start":404.925,"end":405.665,"sentiment":"neutral","sentiment_score":0.18493027240037918},{"text":"Do you spell it b o d I e?","start":405.805,"end":407.985,"sentiment":"neutral","sentiment_score":0.028056640177965164},{"text":"Oh, beautiful.","start":408.76498,"end":412.145,"sentiment":"neutral","sentiment_score":0.13395196804776788},{"text":"Lovely.","start":412.445,"end":412.945,"sentiment":"positive","sentiment_score":0.5350337624549866}],"sentiment":"neutral","sentiment_score":0.10733465716475621,"num_words":16,"start":402.0,"end":412.945},{"sentences":[{"text":"Fantastic.","start":413.245,"end":413.745,"sentiment":"positive","sentiment_score":0.6509480476379395},{"text":"It's changed your life in so many ways.","start":413.965,"end":415.645,"sentiment":"positive","sentiment_score":0.7396904528141022},{"text":"It's so much fun at the same time.","start":415.645,"end":417.425,"sentiment":"positive","sentiment_score":0.716055117547512},{"text":"Yeah.","start":419.45,"end":419.95,"sentiment":"neutral","sentiment_score":0.2180832177400589},{"text":"Oh, beautiful.","start":420.01,"end":420.97,"sentiment":"positive","sentiment_score":0.4444989860057831}],"sentiment":"positive","sentiment_score":0.6701996900141239,"num_words":20,"start":413.245,"end":420.97},{"sentences":[{"text":"I hope you enjoy everything.","start":420.97,"end":422.17,"sentiment":"positive","sentiment_score":0.5604351580142974},{"text":"We'll make sure we are catching up.","start":422.17,"end":423.53,"sentiment":"positive","sentiment_score":0.3719632497855595},{"text":"So sorry.","start":423.53,"end":424.19,"sentiment":"neutral","sentiment_score":0.026933161541819572},{"text":"All good.","start":427.85,"end":428.59003,"sentiment":"neutral","sentiment_score":0.3332287520170212},{"text":"Now I am very mindful that you've limited time today, so I'll touch on the things that I do need to touch on.","start":429.05002,"end":434.61502,"sentiment":"neutral","sentiment_score":-0.0003001693960117257}],"sentiment":"neutral","sentiment_score":0.15690611460461065,"num_words":39,"start":420.97,"end":434.61502},{"sentences":[{"text":"I have also just had a bit of a look at your super now.","start":434.67502,"end":437.39502,"sentiment":"neutral","sentiment_score":0.010587132801967008},{"text":"I have noted with even though you've got a great return for the year, there has been some investments or one of your underlying investments has sort of been underperforming a little bit in here.","start":437.39502,"end":446.11502,"sentiment":"neutral","sentiment_score":-0.15242230952052133},{"text":"So we've actually got your Ben along Australian Equities.","start":446.11502,"end":448.94998,"sentiment":"neutral","sentiment_score":-0.12380889016720983},{"text":"That one there, the investment itself has had some underlying issues, which has made it sort of underperforming your super there.","start":449.25,"end":455.43,"sentiment":"neutral","sentiment_score":-0.24835613334462756},{"text":"What I sort of wanted to do is to touch on this to maybe go back and review that investment option.","start":455.88998,"end":460.55,"sentiment":"neutral","sentiment_score":-0.062359499789419626}],"sentiment":"neutral","sentiment_score":-0.12825869281310587,"num_words":100,"start":434.67502,"end":460.55},{"sentences":[{"text":"We've got a couple of other options out there that haven't been underperforming as much as this one, and maybe swap that one out.","start":461.045,"end":466.565,"sentiment":"neutral","sentiment_score":-0.10697255004197359},{"text":"Are you comfortable with me just updating the advice and maybe changing the investment around for you?","start":466.565,"end":471.785,"sentiment":"neutral","sentiment_score":-0.020523396484992084},{"text":"Yep.","start":473.13998,"end":473.63998,"sentiment":"neutral","sentiment_score":0.11960285156965256},{"text":"Beautiful.","start":473.78,"end":474.18,"sentiment":"positive","sentiment_score":0.3410041332244873},{"text":"We wanna get rid of anything that's underperforming and make sure your sleep is working harder for you.","start":474.18,"end":478.74,"sentiment":"neutral","sentiment_score":-0.01223421593507131}],"sentiment":"neutral","sentiment_score":-0.04386635808671107,"num_words":61,"start":461.045,"end":478.74},{"sentences":[{"text":"Excellent.","start":478.74,"end":479.24,"sentiment":"neutral","sentiment_score":0.3228355944156647},{"text":"We do have a couple of options that we can look at.","start":480.02,"end":482.84,"sentiment":"neutral","sentiment_score":0.049747253147264324},{"text":"The idea of having Ben along in your portfolio was it was meant to be more of an actively managed component.","start":483.38,"end":488.615,"sentiment":"neutral","sentiment_score":0.04192882510168212},{"text":"So the investment manager within Van Along is meant to be actively managing the the funds and trying to sort of buy and sell or take investments where they see good quality growth.","start":488.91498,"end":499.01498,"sentiment":"neutral","sentiment_score":0.057248111475597725},{"text":"The idea there is that they're trying to outperform against the market.","start":499.58,"end":502.96,"sentiment":"neutral","sentiment_score":0.06837001256644726}],"sentiment":"neutral","sentiment_score":0.057087794795066496,"num_words":79,"start":478.74,"end":502.96},{"sentences":[{"text":"Generally, when you have these sorts of actively managed investment managers, they you do pay a little bit more to have that component in there.","start":503.02,"end":510.0,"sentiment":"neutral","sentiment_score":0.005348979085683822},{"text":"Did you want me to keep looking at active managers to maybe swap that out with, or you have if we maybe look at something like a passive manager?","start":510.37997,"end":518.125,"sentiment":"neutral","sentiment_score":0.0008233178021578953},{"text":"Because the difference there is that passive managers are just looking to track a certain index.","start":518.125,"end":522.685,"sentiment":"neutral","sentiment_score":0.0366116592194885},{"text":"They're participating in the market and making sure that they're invested in line with with the industries that they are tracking.","start":522.685,"end":529.52997,"sentiment":"neutral","sentiment_score":0.1323795692906493},{"text":"It can also be a little bit cheaper in the way of investing as well.","start":529.82996,"end":533.35,"sentiment":"neutral","sentiment_score":0.14522706766923268}],"sentiment":"neutral","sentiment_score":0.053790228406213364,"num_words":106,"start":503.02,"end":533.35},{"sentences":[{"text":"Did you wanna look at something a bit cheaper, a bit more passive, or are you happy to try and have that active management in there and have a manager that's trying to outperform the market?","start":533.35,"end":542.29504,"sentiment":"neutral","sentiment_score":0.061728177385197744},{"text":"What would you like to see?","start":542.29504,"end":543.91504,"sentiment":"neutral","sentiment_score":-0.11595144371191661},{"text":"Yeah.","start":547.49506,"end":547.815,"sentiment":"neutral","sentiment_score":-0.08086583763360977},{"text":"Yeah.","start":547.815,"end":548.05505,"sentiment":"neutral","sentiment_score":-0.04578367620706558},{"text":"You wanna keep it a bit active?","start":548.05505,"end":549.575,"sentiment":"neutral","sentiment_score":0.10587771130459649}],"sentiment":"neutral","sentiment_score":0.041980395860531754,"num_words":51,"start":533.35,"end":549.575},{"sentences":[{"text":"Yep.","start":549.575,"end":550.05505,"sentiment":"neutral","sentiment_score":0.18739420175552368},{"text":"That's absolutely fine.","start":550.05505,"end":551.575,"sentiment":"positive","sentiment_score":0.4800563057263692},{"text":"Yeah.","start":551.575,"end":551.895,"sentiment":"neutral","sentiment_score":0.21308884024620056},{"text":"Not a problem.","start":551.895,"end":552.53503,"sentiment":"neutral","sentiment_score":0.1720771143833796},{"text":"So with who your agent stage, just looking at your last goals there as well, what age are you sort of hoping you'd like to be able to maybe stop working and retire in the future?","start":552.53503,"end":562.97,"sentiment":"neutral","sentiment_score":0.01713468853591217}],"sentiment":"neutral","sentiment_score":0.06758482021872293,"num_words":44,"start":549.575,"end":562.97},{"sentences":[{"text":"Well, if if we even let it, we'll let you know.","start":567.28503,"end":569.705,"sentiment":"neutral","sentiment_score":0.01995429836890914},{"text":"Yeah.","start":578.82,"end":579.06,"sentiment":"neutral","sentiment_score":0.01234995387494564},{"text":"At the moment, the earliest you can access super if you retire is age 60.","start":579.06,"end":583.48004,"sentiment":"neutral","sentiment_score":0.014717834939559301},{"text":"So you have that option if you want as a bit of a goal.","start":584.02,"end":586.74005,"sentiment":"neutral","sentiment_score":0.09230843186378479},{"text":"I can be working towards that age for you.","start":586.74005,"end":588.9,"sentiment":"neutral","sentiment_score":0.1161779256330596}],"sentiment":"neutral","sentiment_score":0.055810682736337186,"num_words":50,"start":567.28503,"end":588.9},{"sentences":[{"text":"You're still really young.","start":588.9,"end":589.86005,"sentiment":"neutral","sentiment_score":0.022499898448586464},{"text":"You've got a lot of time ahead of you before you get to that point.","start":589.86005,"end":592.945,"sentiment":"neutral","sentiment_score":0.017243830238779387},{"text":"But it's more just looking at the longevity side of things.","start":593.485,"end":596.205,"sentiment":"neutral","sentiment_score":0.048418070782314644},{"text":"Did you want me to work on that as a goal for you at the moment?","start":596.205,"end":599.405,"sentiment":"neutral","sentiment_score":0.05265363841317594},{"text":"It's very fluid and can definitely change.","start":599.405,"end":601.485,"sentiment":"neutral","sentiment_score":0.014238320557134492}],"sentiment":"neutral","sentiment_score":0.034403439330042536,"num_words":53,"start":588.9,"end":601.485},{"sentences":[{"text":"Yeah.","start":601.485,"end":601.985,"sentiment":"neutral","sentiment_score":0.031653277575969696},{"text":"Beautiful.","start":604.125,"end":604.625,"sentiment":"positive","sentiment_score":0.5480217933654785},{"text":"I can do that.","start":605.73,"end":606.45,"sentiment":"positive","sentiment_score":0.4713989570736885},{"text":"Not a problem at all.","start":606.45,"end":607.65,"sentiment":"neutral","sentiment_score":0.2959817975759506},{"text":"So I'll work on that sort of age frame there for you.","start":607.65,"end":610.23,"sentiment":"neutral","sentiment_score":0.23011873786648115}],"sentiment":"neutral","sentiment_score":0.2915915105005969,"num_words":23,"start":601.485,"end":610.23},{"sentences":[{"text":"So having a bit of active management in your portfolio is absolutely fine.","start":610.77,"end":614.45,"sentiment":"positive","sentiment_score":0.37671058223797727},{"text":"When you are younger, we can take a bit more risk in the market to be trying to obtain those greater returns.","start":614.45,"end":619.33,"sentiment":"neutral","sentiment_score":0.19973203235051848},{"text":"So if you're comfortable, I've got a couple of different options that we might be able to swap that out with, and and some of those are actively managed funds.","start":619.33,"end":626.175,"sentiment":"neutral","sentiment_score":0.21016117483377456},{"text":"So I'm happy to look at that and update the advice and show you what that looks like.","start":626.175,"end":629.615,"sentiment":"positive","sentiment_score":0.5168441500928667},{"text":"Is that okay with you, Amanda?","start":629.615,"end":630.995,"sentiment":"neutral","sentiment_score":0.13668611645698547}],"sentiment":"neutral","sentiment_score":0.2889830216430546,"num_words":89,"start":610.77,"end":630.995},{"sentences":[{"text":"Yep.","start":632.27,"end":632.75,"sentiment":"neutral","sentiment_score":0.19690857827663424},{"text":"Beautiful.","start":632.75,"end":633.23004,"sentiment":"positive","sentiment_score":0.49605369567871094},{"text":"Everything else that's in here isn't doing too badly.","start":633.23004,"end":635.81,"sentiment":"neutral","sentiment_score":0.2204430037074619},{"text":"Everything else is pretty well up.","start":636.51,"end":638.11005,"sentiment":"positive","sentiment_score":0.4491221110026042},{"text":"It's all doing quite nicely in your portfolio there.","start":638.11005,"end":640.59,"sentiment":"positive","sentiment_score":0.5756385193930732}],"sentiment":"positive","sentiment_score":0.40586264030291486,"num_words":26,"start":632.27,"end":640.59},{"sentences":[{"text":"I can look at a couple of options where I maybe update you to a newer portfolio, and I can also just review swapping one or two options options out.","start":640.59,"end":648.425,"sentiment":"neutral","sentiment_score":0.25409199446439745},{"text":"Are you comfortable with me maybe reviewing all the different options and seeing what provides a greater benefit down the track?","start":648.885,"end":654.505,"sentiment":"neutral","sentiment_score":0.2807424394857316},{"text":"Yep.","start":656.245,"end":656.565,"sentiment":"neutral","sentiment_score":0.0989336222410202},{"text":"Yep.","start":656.565,"end":656.965,"sentiment":"neutral","sentiment_score":0.21035969257354736},{"text":"Beautiful.","start":656.965,"end":657.465,"sentiment":"positive","sentiment_score":0.7678313255310059}],"sentiment":"neutral","sentiment_score":0.2702865871014418,"num_words":54,"start":640.59,"end":657.465},{"sentences":[{"text":"Fantastic.","start":657.525,"end":658.025,"sentiment":"positive","sentiment_score":0.7733246088027954},{"text":"We are very mindful of the tax consequences inside Super.","start":658.165,"end":661.125,"sentiment":"neutral","sentiment_score":0.3301115587353706},{"text":"So I'll do all the research around that for you, and I'll come back with the updated statement of advice which shows you what I'm recommending, how and why, and what the tax consequences for your super are.","start":661.125,"end":672.34,"sentiment":"neutral","sentiment_score":0.21543318072431966},{"text":"Does that make sense?","start":672.34,"end":673.48,"sentiment":"neutral","sentiment_score":0.11515894904732704},{"text":"Yeah.","start":674.9,"end":675.22,"sentiment":"neutral","sentiment_score":0.24664542078971863}],"sentiment":"neutral","sentiment_score":0.2401515237159199,"num_words":54,"start":657.525,"end":675.22},{"sentences":[{"text":"Beautiful.","start":675.22,"end":675.7,"sentiment":"positive","sentiment_score":0.5353874564170837},{"text":"Because your tax your tax sorry.","start":675.7,"end":677.91504,"sentiment":"neutral","sentiment_score":0.1826651617884636},{"text":"Your super fund, just like you, it does a tax return every year, so we wanna make sure that we're limiting the tax that your super fund has to account for.","start":677.91504,"end":685.03503,"sentiment":"neutral","sentiment_score":0.1502618876195723},{"text":"Okay.","start":685.03503,"end":685.53503,"sentiment":"neutral","sentiment_score":0.13207319378852844},{"text":"Oh, good.","start":687.275,"end":687.91504,"sentiment":"neutral","sentiment_score":0.27205704152584076}],"sentiment":"neutral","sentiment_score":0.16989473707792235,"num_words":41,"start":675.22,"end":687.91504},{"sentences":[{"text":"Not a problem at all.","start":687.91504,"end":689.16,"sentiment":"neutral","sentiment_score":0.287147456407547},{"text":"The other thing I wanted to sort of touch base on the insurance is so I can see here last year that we did have an exclusion removed, and we also had your smoker rates changed, which was fantastic.","start":689.39996,"end":699.81995,"sentiment":"neutral","sentiment_score":0.12231994525362284},{"text":"Cheaper premium now, which is good to see.","start":701.07996,"end":703.485,"sentiment":"positive","sentiment_score":0.3748562317341566},{"text":"In the event of something happening, your nearest life policy has a sum insured of 623,432, and you have the same amount of TPD cover linked to that.","start":703.96497,"end":715.58496,"sentiment":"neutral","sentiment_score":0.06048796645232609},{"text":"Thinking about the level of cover you have with life and TPD, does that seem fairly sufficient for where you are?","start":715.725,"end":721.30005,"sentiment":"neutral","sentiment_score":0.038137030033838185}],"sentiment":"neutral","sentiment_score":0.11583768012057437,"num_words":101,"start":687.91504,"end":721.30005},{"sentences":[{"text":"Did you wanna look at reviewing those amounts?","start":721.30005,"end":723.30005,"sentiment":"neutral","sentiment_score":0.0012268986320123076},{"text":"Or that sounds okay?","start":723.30005,"end":726.68,"sentiment":"neutral","sentiment_score":0.07749992562457919},{"text":"Beautiful.","start":726.82,"end":727.32,"sentiment":"neutral","sentiment_score":0.3152056038379669},{"text":"Excellent.","start":728.26,"end":728.74005,"sentiment":"positive","sentiment_score":0.34119170904159546},{"text":"And I've also got down here the monthly benefit for your income protection policy of 5,179 pretax because income protection is a taxable income.","start":728.74005,"end":738.995,"sentiment":"neutral","sentiment_score":0.09328290758033593}],"sentiment":"neutral","sentiment_score":0.08460531543058,"num_words":38,"start":721.30005,"end":738.995},{"sentences":[{"text":"What's your income at the moment now that you're back at work?","start":740.01495,"end":742.975,"sentiment":"neutral","sentiment_score":0.013320090714842081},{"text":"Has that changed since we last caught up with you at all?","start":742.975,"end":745.89,"sentiment":"neutral","sentiment_score":0.010133393264065186},{"text":"Yep.","start":749.81,"end":750.31,"sentiment":"neutral","sentiment_score":0.042401812970638275},{"text":"I've got here 74,000 per annum.","start":751.17004,"end":754.31,"sentiment":"neutral","sentiment_score":0.026649507073064644},{"text":"Oh, fantastic.","start":757.01,"end":758.23004,"sentiment":"neutral","sentiment_score":0.19729918241500854}],"sentiment":"neutral","sentiment_score":0.02661633418139183,"num_words":33,"start":740.01495,"end":758.23004},{"sentences":[{"text":"A 104,000?","start":761.735,"end":763.115,"sentiment":"neutral","sentiment_score":0.05624506436288357},{"text":"Yep.","start":765.175,"end":765.575,"sentiment":"neutral","sentiment_score":0.038027647882699966},{"text":"That's okay.","start":765.575,"end":766.395,"sentiment":"neutral","sentiment_score":0.04957002215087414},{"text":"Yeah.","start":770.935,"end":771.335,"sentiment":"neutral","sentiment_score":0.04605554789304733},{"text":"That's okay.","start":771.335,"end":772.155,"sentiment":"neutral","sentiment_score":0.07096077129244804}],"sentiment":"neutral","sentiment_score":0.05470436392351985,"num_words":8,"start":761.735,"end":772.155},{"sentences":[{"text":"Yeah.","start":784.3,"end":784.8,"sentiment":"neutral","sentiment_score":0.04287439584732056},{"text":"Always the way.","start":787.04504,"end":788.265,"sentiment":"neutral","sentiment_score":0.03405825545390447},{"text":"Sometimes they are.","start":801.69995,"end":802.66,"sentiment":"neutral","sentiment_score":-0.01605291711166501},{"text":"Yeah.","start":802.66,"end":803.16,"sentiment":"neutral","sentiment_score":0.03811097517609596},{"text":"That's okay.","start":807.94,"end":808.76,"sentiment":"neutral","sentiment_score":0.07323340699076653}],"sentiment":"neutral","sentiment_score":0.028146820003166796,"num_words":10,"start":784.3,"end":808.76},{"sentences":[{"text":"So 4,600?","start":831.65,"end":833.67,"sentiment":"neutral","sentiment_score":0.020617637783288956},{"text":"Zero zero six point eight eight.","start":839.075,"end":840.675,"sentiment":"neutral","sentiment_score":0.020862783926228683},{"text":"Not a problem at all.","start":840.675,"end":841.635,"sentiment":"neutral","sentiment_score":0.13207556158304215},{"text":"Let's just And so are you paid weekly, fortnightly?","start":841.635,"end":864.245,"sentiment":"neutral","sentiment_score":-0.014597275462518964},{"text":"That's beautiful.","start":866.945,"end":867.845,"sentiment":"positive","sentiment_score":0.5834171175956726}],"sentiment":"neutral","sentiment_score":0.07759368929449313,"num_words":24,"start":831.65,"end":867.845},{"sentences":[{"text":"So it's about 105,738 roughly.","start":868.065,"end":872.005,"sentiment":"neutral","sentiment_score":0.09787005186080933},{"text":"So if we work on, say, a 105,000 and with income protection, you can be covered for up to 70% of your income, your gross income, essentially.","start":875.99,"end":887.565,"sentiment":"neutral","sentiment_score":0.06942678643045602},{"text":"It essentially shows here based on that, you're a little bit underinsured.","start":888.265,"end":891.565,"sentiment":"neutral","sentiment_score":0.015069829571681717},{"text":"So if I work that out as a monthly figure, the monthly amount you'd need is approximately 6,125.","start":892.185,"end":899.885,"sentiment":"neutral","sentiment_score":0.027551969099375937},{"text":"At the moment, the income protection monthly benefit growth is 5,001 179.","start":900.24,"end":906.26,"sentiment":"neutral","sentiment_score":0.0189161895638487}],"sentiment":"neutral","sentiment_score":0.044157313058668796,"num_words":74,"start":868.065,"end":906.26},{"sentences":[{"text":"Now just so you're fully aware, if you were on an income protection claim, the income protection monthly benefit is also taxed the same as your income taxes, so you probably wouldn't receive that full amount.","start":906.64,"end":917.205,"sentiment":"neutral","sentiment_score":-0.029910782610790596},{"text":"But do you think, say, between 4 to 5,000 on a monthly basis plus sorry, plus your partner's income, is that gonna cover most of your bills, or do you think you would wanna maybe increase that in line with that 70% to try and maximize the benefit as much as possible?","start":917.90497,"end":935.37,"sentiment":"neutral","sentiment_score":0.019649753203758828},{"text":"It does it does increase the the benefit amount, the premium you are paying.","start":940.725,"end":944.88495,"sentiment":"neutral","sentiment_score":0.09712530619331769},{"text":"Absolutely.","start":944.88495,"end":945.38495,"sentiment":"neutral","sentiment_score":0.09943527728319168},{"text":"If you wanted to because I'm not getting the advice.","start":946.165,"end":948.165,"sentiment":"neutral","sentiment_score":-0.08822140954434872}],"sentiment":"neutral","sentiment_score":0.0046192430190544215,"num_words":113,"start":906.64,"end":948.165},{"sentences":[{"text":"I could always look at what the cost is and maybe shoot you an email to have a look at what the cost is, and you can let me know what you'd like.","start":948.165,"end":954.35,"sentiment":"neutral","sentiment_score":0.012612573576695991},{"text":"Yeah.","start":958.88995,"end":959.38995,"sentiment":"neutral","sentiment_score":0.006627034395933151},{"text":"Yes.","start":970.585,"end":971.065,"sentiment":"neutral","sentiment_score":-0.014392811805009842},{"text":"Correct.","start":971.065,"end":971.385,"sentiment":"neutral","sentiment_score":-0.016434121876955032},{"text":"Yeah.","start":971.385,"end":971.625,"sentiment":"neutral","sentiment_score":-0.05151519924402237}],"sentiment":"neutral","sentiment_score":0.009202698094619287,"num_words":37,"start":948.165,"end":971.625},{"sentences":[{"text":"It doesn't cover unemployment.","start":971.625,"end":973.005,"sentiment":"neutral","sentiment_score":-0.12236519157886505},{"text":"So, essentially, you would need to be off work due to illness or injury.","start":973.225,"end":976.765,"sentiment":"neutral","sentiment_score":-0.14182921020048006},{"text":"So say if, you know, broke your back or have broke your leg and you couldn't go to work and do your job for, you've got a twenty eight day waiting period, so you have to be off work for that twenty eight days prior to making a claim.","start":977.51996,"end":987.94,"sentiment":"neutral","sentiment_score":-0.07480608329785113},{"text":"And then you can be on a claim for up to five years.","start":988.48,"end":991.27997,"sentiment":"neutral","sentiment_score":-0.0611941206913728},{"text":"So it's around medical injuries or illnesses that you are able to claim on.","start":991.27997,"end":996.895,"sentiment":"neutral","sentiment_score":-0.054993501864373684}],"sentiment":"neutral","sentiment_score":-0.08197872750857409,"num_words":94,"start":971.625,"end":996.895},{"sentences":[{"text":"It doesn't cover if you're just, you know, made redundant or if you resign from your role, unfortunately.","start":997.275,"end":1002.655,"sentiment":"neutral","sentiment_score":-0.16401342964834636},{"text":"Did you want me just to get a quote on what the increase might look like?","start":1003.91504,"end":1007.89,"sentiment":"neutral","sentiment_score":-0.015273170545697212},{"text":"And then you're you're welcome to let me know whether you wanna take on board the increase, and I can factor that into the advice, or if you're happy to keep it as is.","start":1007.89,"end":1016.21,"sentiment":"neutral","sentiment_score":0.19842575764393106},{"text":"Would that be something you'd like?","start":1016.21,"end":1018.185,"sentiment":"neutral","sentiment_score":0.07807909945646922},{"text":"Yeah.","start":1022.265,"end":1022.585,"sentiment":"neutral","sentiment_score":0.04995282739400864}],"sentiment":"neutral","sentiment_score":0.054243876288334526,"num_words":75,"start":997.275,"end":1022.585},{"sentences":[{"text":"Yeah.","start":1022.585,"end":1023.085,"sentiment":"neutral","sentiment_score":0.08347725868225098},{"text":"Absolutely.","start":1023.465,"end":1023.965,"sentiment":"neutral","sentiment_score":0.16284941136837006},{"text":"Not a problem.","start":1024.185,"end":1024.745,"sentiment":"neutral","sentiment_score":0.266161451737086},{"text":"Well, I'll get a quote through for that for you, and I'll email it to you in the next couple of days.","start":1024.745,"end":1028.605,"sentiment":"neutral","sentiment_score":0.21497434716333041},{"text":"You can come back to me, and my colleague Michelle will be able to help me follow-up to see how you're going with that so we can kind of update the advice with the investment side of things for you.","start":1028.825,"end":1037.49,"sentiment":"neutral","sentiment_score":0.15987370032817125}],"sentiment":"neutral","sentiment_score":0.1816297712833134,"num_words":67,"start":1022.585,"end":1037.49},{"sentences":[{"text":"Okay?","start":1037.49,"end":1037.99,"sentiment":"neutral","sentiment_score":0.17250721156597135},{"text":"Perfect.","start":1039.41,"end":1039.91,"sentiment":"positive","sentiment_score":0.4714941382408142},{"text":"And you said you're happy to keep the life and TPD as it is.","start":1040.05,"end":1042.6901,"sentiment":"positive","sentiment_score":0.4119732848235539},{"text":"No need to reassess that at the moment at all?","start":1042.6901,"end":1045.1901,"sentiment":"neutral","sentiment_score":0.08135997159406543},{"text":"Yeah.","start":1046.4651,"end":1046.785,"sentiment":"neutral","sentiment_score":0.2177395522594452}],"sentiment":"neutral","sentiment_score":0.27566542983469033,"num_words":27,"start":1037.49,"end":1046.785},{"sentences":[{"text":"Beautiful.","start":1046.785,"end":1047.285,"sentiment":"positive","sentiment_score":0.3640812635421753},{"text":"Just while we are talking about the insurance, there's a lot of things to sort of consider are your assets and liabilities.","start":1047.5851,"end":1052.245,"sentiment":"neutral","sentiment_score":0.05354270034215667},{"text":"Can I just confirm that you're renting where you are at the moment?","start":1052.7051,"end":1055.525,"sentiment":"neutral","sentiment_score":0.028757820478998698},{"text":"Oh, fantastic.","start":1058.64,"end":1059.4601,"sentiment":"positive","sentiment_score":0.4622146487236023},{"text":"It's a purchase.","start":1059.6001,"end":1060.42,"sentiment":"neutral","sentiment_score":0.25056220094362897}],"sentiment":"neutral","sentiment_score":0.08760946920913894,"num_words":41,"start":1046.785,"end":1060.42},{"sentences":[{"text":"I just didn't have that noted here.","start":1060.4801,"end":1062.0801,"sentiment":"neutral","sentiment_score":-0.25996202869074686},{"text":"What's the current value you'd place on your house?","start":1062.0801,"end":1065.06,"sentiment":"neutral","sentiment_score":-0.06036570709612635},{"text":"Okay.","start":1071.455,"end":1071.955,"sentiment":"neutral","sentiment_score":0.011762646958231926},{"text":"Yeah.","start":1088.27,"end":1088.59,"sentiment":"neutral","sentiment_score":0.11541368812322617},{"text":"Wow.","start":1088.59,"end":1088.99,"sentiment":"positive","sentiment_score":0.4702494144439697}],"sentiment":"neutral","sentiment_score":-0.0929263060618388,"num_words":19,"start":1060.4801,"end":1088.99},{"sentences":[{"text":"Fantastic.","start":1088.99,"end":1089.49,"sentiment":"positive","sentiment_score":0.5819821357727051},{"text":"And what's the loan that you sort of have owing at the moment?","start":1091.1499,"end":1094.0499,"sentiment":"neutral","sentiment_score":0.11316409305884288},{"text":"That's okay.","start":1100.4551,"end":1101.275,"sentiment":"neutral","sentiment_score":0.05761668086051941},{"text":"Beautiful.","start":1119.365,"end":1119.865,"sentiment":"positive","sentiment_score":0.5679030418395996},{"text":"Thank you so much for that.","start":1119.9249,"end":1121.625,"sentiment":"positive","sentiment_score":0.6931068003177643}],"sentiment":"neutral","sentiment_score":0.29977793700021244,"num_words":23,"start":1088.99,"end":1121.625},{"sentences":[{"text":"I've also got down here assets wise a caravan.","start":1122.005,"end":1124.4049,"sentiment":"neutral","sentiment_score":0.19346706734763253},{"text":"Do you still have the caravan?","start":1124.4049,"end":1125.7849,"sentiment":"neutral","sentiment_score":0.04788179757694403},{"text":"Oh, beautiful.","start":1129.6849,"end":1130.505,"sentiment":"neutral","sentiment_score":0.14620289951562881},{"text":"And the four wheel drive, I don't have an a value on that one at the moment.","start":1130.565,"end":1133.88,"sentiment":"neutral","sentiment_score":-0.07860990821876947},{"text":"What's the value would you put on that one?","start":1133.88,"end":1135.82,"sentiment":"neutral","sentiment_score":-0.024297133915954165}],"sentiment":"neutral","sentiment_score":0.017810640596719676,"num_words":43,"start":1122.005,"end":1135.82},{"sentences":[{"text":"Yep.","start":1138.36,"end":1138.86,"sentiment":"neutral","sentiment_score":0.016012731939554214},{"text":"They they hold it pretty well.","start":1139.1599,"end":1141.26,"sentiment":"neutral","sentiment_score":-0.010092525587727627},{"text":"Yep.","start":1142.52,"end":1143.0,"sentiment":"neutral","sentiment_score":0.05428680777549744},{"text":"Beautiful.","start":1143.0,"end":1143.5,"sentiment":"neutral","sentiment_score":0.2875797748565674},{"text":"Excellent.","start":1143.88,"end":1144.36,"sentiment":"neutral","sentiment_score":0.2705620527267456}],"sentiment":"neutral","sentiment_score":0.05678862137719989,"num_words":10,"start":1138.36,"end":1144.36},{"sentences":[{"text":"What year model is it?","start":1144.36,"end":1145.82,"sentiment":"neutral","sentiment_score":0.07989146113395691},{"text":"2010.","start":1148.165,"end":1148.885,"sentiment":"neutral","sentiment_score":0.03998392075300217},{"text":"Beautiful.","start":1148.885,"end":1149.285,"sentiment":"neutral","sentiment_score":0.20965594053268433},{"text":"If you like, I could always have a look at what the average value is for those as well.","start":1149.285,"end":1152.805,"sentiment":"neutral","sentiment_score":0.08705826613463853},{"text":"I have access to those sorts of things.","start":1152.805,"end":1154.4851,"sentiment":"neutral","sentiment_score":0.023561326786875725}],"sentiment":"neutral","sentiment_score":0.0732851422884885,"num_words":34,"start":1144.36,"end":1154.4851},{"sentences":[{"text":"Yep.","start":1154.4851,"end":1154.885,"sentiment":"neutral","sentiment_score":0.08687642216682434},{"text":"Beautiful.","start":1154.885,"end":1155.385,"sentiment":"neutral","sentiment_score":0.2514123320579529},{"text":"Do you have any loans on the Prado?","start":1156.245,"end":1158.005,"sentiment":"neutral","sentiment_score":0.029494210612028837},{"text":"Is that fully owned outright?","start":1158.005,"end":1159.385,"sentiment":"neutral","sentiment_score":0.010987476515583693},{"text":"Yep.","start":1163.66,"end":1163.9,"sentiment":"neutral","sentiment_score":0.04270341992378235}],"sentiment":"neutral","sentiment_score":0.041992702601419296,"num_words":16,"start":1154.4851,"end":1163.9},{"sentences":[{"text":"Perfect.","start":1163.9,"end":1164.4,"sentiment":"neutral","sentiment_score":0.23727107048034668},{"text":"Excellent.","start":1164.62,"end":1165.12,"sentiment":"neutral","sentiment_score":0.30240723490715027},{"text":"Excellent.","start":1165.9,"end":1166.4,"sentiment":"neutral","sentiment_score":0.258752703666687},{"text":"And do you have any other collections, any shares, or anything that you own in your own name or any investments?","start":1167.74,"end":1172.8,"sentiment":"neutral","sentiment_score":0.07648526540114767},{"text":"No.","start":1174.925,"end":1175.3251,"sentiment":"neutral","sentiment_score":-0.07181330025196075}],"sentiment":"neutral","sentiment_score":0.09331233128905296,"num_words":25,"start":1163.9,"end":1175.3251},{"sentences":[{"text":"That's okay.","start":1175.3251,"end":1176.305,"sentiment":"neutral","sentiment_score":-0.0589333102107048},{"text":"Are you have you ever had a will drawn up, or have you spoken to a solicitor and ever had a power of attorney set in place at all?","start":1177.645,"end":1184.225,"sentiment":"neutral","sentiment_score":-0.03384065653743415},{"text":"No.","start":1185.42,"end":1185.92,"sentiment":"neutral","sentiment_score":-0.1658685803413391},{"text":"Okay.","start":1189.5,"end":1190.0,"sentiment":"neutral","sentiment_score":-0.05065812170505524},{"text":"Yeah.","start":1191.3401,"end":1191.8401,"sentiment":"neutral","sentiment_score":-0.006916599348187447}],"sentiment":"neutral","sentiment_score":-0.038902616511811226,"num_words":34,"start":1175.3251,"end":1191.8401},{"sentences":[{"text":"Absolutely.","start":1193.5801,"end":1194.0801,"sentiment":"neutral","sentiment_score":0.10023729503154756},{"text":"Yes.","start":1195.8201,"end":1196.2201,"sentiment":"neutral","sentiment_score":-0.019160253927111626},{"text":"Having a having a child and how having a house, you've got a lot of assets that you've built behind you, and even the protection of your child.","start":1196.2201,"end":1202.8849,"sentiment":"neutral","sentiment_score":0.05135187825986317},{"text":"So one of the things that we have definitely seen in the past is where there's no will in place.","start":1202.8849,"end":1206.8049,"sentiment":"neutral","sentiment_score":-0.028561587817966937},{"text":"Like, your beneficiaries cover your life insurance and your super, but everything outside of that needs to be directed through your will.","start":1206.8049,"end":1213.5249,"sentiment":"neutral","sentiment_score":-0.02672448686578057}],"sentiment":"neutral","sentiment_score":0.004996655069084631,"num_words":72,"start":1193.5801,"end":1213.5249},{"sentences":[{"text":"It becomes an estate asset.","start":1213.5249,"end":1215.065,"sentiment":"neutral","sentiment_score":-0.02114493027329445},{"text":"And I have seen cases in the past where your partner doesn't inherit everything, unfortunately.","start":1215.6,"end":1220.18,"sentiment":"neutral","sentiment_score":-0.05046044612924258},{"text":"It doesn't go to where you want it to be.","start":1220.32,"end":1222.08,"sentiment":"neutral","sentiment_score":-0.0938702404499054},{"text":"Other family members can state their claim, and I have seen in the past where estates have been set distributed unevenly or have been provided to people who, you know, the person hasn't spoken to for years and years and years.","start":1222.08,"end":1234.775,"sentiment":"neutral","sentiment_score":-0.04381284676492214},{"text":"So having a will is definitely important.","start":1234.775,"end":1237.275,"sentiment":"neutral","sentiment_score":0.042803035250731876}],"sentiment":"neutral","sentiment_score":-0.04228255408219038,"num_words":78,"start":1213.5249,"end":1237.275},{"sentences":[{"text":"If you like, a part of what we can provide is I can send an email through with some information on a local solicitor that we can refer you through to.","start":1237.335,"end":1245.28,"sentiment":"neutral","sentiment_score":0.035641285080102184},{"text":"It's a bit of a talking point and has a bit of a a costing of how much they charge to drive a will and power of attorney.","start":1245.28,"end":1251.04,"sentiment":"neutral","sentiment_score":0.015623995668387838},{"text":"Would you like me to do that for you?","start":1251.04,"end":1252.8201,"sentiment":"neutral","sentiment_score":0.04076903603143162},{"text":"Yep.","start":1254.5751,"end":1255.0751,"sentiment":"neutral","sentiment_score":0.029108740389347076},{"text":"Well, it's it's local for us, but they do things over the phone as well.","start":1256.5751,"end":1260.435,"sentiment":"neutral","sentiment_score":0.03657299441595872}],"sentiment":"neutral","sentiment_score":0.029606865441781424,"num_words":84,"start":1237.335,"end":1260.435},{"sentences":[{"text":"Yeah.","start":1262.175,"end":1262.675,"sentiment":"neutral","sentiment_score":0.10800051689147948},{"text":"Yep.","start":1262.8151,"end":1263.2151,"sentiment":"neutral","sentiment_score":0.11268383264541626},{"text":"It's just a bit of a talking point.","start":1263.2151,"end":1264.655,"sentiment":"neutral","sentiment_score":0.03607160784304142},{"text":"And then if you do have a local solicitor, feel free to go and have a chat to them and see what they cost, see how they do things, and you can kinda decide how you wanna proceed there.","start":1264.655,"end":1274.67,"sentiment":"neutral","sentiment_score":0.08244406842650512},{"text":"But it's definitely something to make sure you do get done in the future.","start":1274.67,"end":1278.29,"sentiment":"neutral","sentiment_score":0.12677320199353354}],"sentiment":"neutral","sentiment_score":0.08729207474324438,"num_words":63,"start":1262.175,"end":1278.29},{"sentences":[{"text":"Okay?","start":1278.51,"end":1279.01,"sentiment":"neutral","sentiment_score":0.06511363387107849},{"text":"Beautiful.","start":1280.745,"end":1281.245,"sentiment":"positive","sentiment_score":0.6426873207092285},{"text":"Excellent.","start":1281.385,"end":1281.885,"sentiment":"positive","sentiment_score":0.6840559840202332},{"text":"Everything else looks pretty straightforward.","start":1282.665,"end":1284.6051,"sentiment":"positive","sentiment_score":0.616891610622406},{"text":"I've got your updated income, which is fantastic.","start":1284.665,"end":1287.005,"sentiment":"positive","sentiment_score":0.6736097857356071}],"sentiment":"positive","sentiment_score":0.6165745798498392,"num_words":16,"start":1278.51,"end":1287.005},{"sentences":[{"text":"With your super, I know that you are just getting back to work, and you've had a lot of changes in your life at the moment.","start":1287.7051,"end":1293.245,"sentiment":"neutral","sentiment_score":0.2067177201119753},{"text":"Are you open to making any kind of additional contributions to super over and above your employer, or is it something you'd rather not be doing right now just with all the changes?","start":1293.7999,"end":1302.22,"sentiment":"neutral","sentiment_score":0.031507514755834236},{"text":"Yeah.","start":1306.04,"end":1306.54,"sentiment":"neutral","sentiment_score":-0.0700186938047409},{"text":"Yeah.","start":1316.7351,"end":1317.2351,"sentiment":"neutral","sentiment_score":0.04649177566170693},{"text":"Yeah.","start":1317.935,"end":1318.175,"sentiment":"neutral","sentiment_score":0.00015164073556661606}],"sentiment":"neutral","sentiment_score":0.1030811843942971,"num_words":62,"start":1287.7051,"end":1318.175},{"sentences":[{"text":"Yeah.","start":1318.175,"end":1318.675,"sentiment":"neutral","sentiment_score":-0.007315341383218765},{"text":"Absolutely.","start":1319.47,"end":1319.97,"sentiment":"neutral","sentiment_score":-0.10207998007535934},{"text":"Wow.","start":1323.1499,"end":1323.6499,"sentiment":"neutral","sentiment_score":-0.01909688115119934},{"text":"Yeah.","start":1333.485,"end":1333.985,"sentiment":"neutral","sentiment_score":0.04059420898556709},{"text":"Yeah.","start":1339.565,"end":1340.065,"sentiment":"neutral","sentiment_score":0.10707737505435944}],"sentiment":"neutral","sentiment_score":0.0038358762860298155,"num_words":5,"start":1318.175,"end":1340.065},{"sentences":[{"text":"Yeah.","start":1349.58,"end":1350.08,"sentiment":"neutral","sentiment_score":-0.1104809045791626},{"text":"Yeah.","start":1365.675,"end":1366.075,"sentiment":"neutral","sentiment_score":0.07872480154037476},{"text":"Absolutely.","start":1366.075,"end":1366.575,"sentiment":"neutral","sentiment_score":0.284374862909317},{"text":"Not a problem at all.","start":1366.955,"end":1367.995,"sentiment":"positive","sentiment_score":0.34118985533714297},{"text":"If and when you decide that's you wanna look at, feel free to let me know.","start":1367.995,"end":1371.07,"sentiment":"neutral","sentiment_score":0.19724088162183762}],"sentiment":"neutral","sentiment_score":0.21310092260440192,"num_words":24,"start":1349.58,"end":1371.07},{"sentences":[{"text":"We can provide advice and talk about what your limits are, and provide personal advice to show you what that looks and how that can benefit you down the track.","start":1371.07,"end":1378.61,"sentiment":"positive","sentiment_score":0.35416263341903687},{"text":"And it's also important to note as being an ongoing client as well there, Amanda, we're here as as full licensed advisers.","start":1378.99,"end":1384.765,"sentiment":"neutral","sentiment_score":0.202004439112815},{"text":"We can assist you in other areas.","start":1384.765,"end":1386.365,"sentiment":"neutral","sentiment_score":0.25413212180137634},{"text":"If you need advice on cash flow and budgeting, if you wanna talk to a mortgage broker, things like that, investment advice in other areas, feel free to let me know.","start":1386.365,"end":1394.525,"sentiment":"neutral","sentiment_score":0.19069360484999995},{"text":"We're here to support you and help you to try and meet all of your goals.","start":1394.525,"end":1397.885,"sentiment":"positive","sentiment_score":0.4686852190643549}],"sentiment":"neutral","sentiment_score":0.28545629029285235,"num_words":106,"start":1371.07,"end":1397.885},{"sentences":[{"text":"So it's not just the super insurances.","start":1397.885,"end":1400.34,"sentiment":"neutral","sentiment_score":0.09214613480227334},{"text":"If you have something that you wanna sort of talk to us a bit more about or receive some additional advice on, please let me know.","start":1400.4,"end":1405.6799,"sentiment":"neutral","sentiment_score":0.1822915799342669},{"text":"I'm more than happy to assist you.","start":1405.6799,"end":1407.36,"sentiment":"positive","sentiment_score":0.6050654820033482},{"text":"Okay?","start":1407.36,"end":1407.86,"sentiment":"neutral","sentiment_score":0.3330684304237366},{"text":"That's okay.","start":1409.6,"end":1410.4199,"sentiment":"neutral","sentiment_score":0.20075782760977745}],"sentiment":"neutral","sentiment_score":0.24080573212961817,"num_words":43,"start":1397.885,"end":1410.4199},{"sentences":[{"text":"So the main sort of goals for the next sort of twelve months are just sort of working at your position, getting your savings back, making sure little man's all sorted, and trying to sort of pay down your mortgage.","start":1411.035,"end":1421.1951,"sentiment":"neutral","sentiment_score":0.31729509979486464},{"text":"Is there anything else that I may have missed in in any of that?","start":1421.1951,"end":1424.395,"sentiment":"neutral","sentiment_score":0.05101296758013112},{"text":"Or No.","start":1424.395,"end":1427.27,"sentiment":"neutral","sentiment_score":0.014199718832969666},{"text":"Yep.","start":1429.33,"end":1429.83,"sentiment":"positive","sentiment_score":0.37148842215538025},{"text":"Yeah.","start":1430.45,"end":1430.95,"sentiment":"neutral","sentiment_score":0.25615277886390686}],"sentiment":"neutral","sentiment_score":0.24244872718278704,"num_words":58,"start":1411.035,"end":1430.95},{"sentences":[{"text":"Yeah.","start":1435.25,"end":1435.75,"sentiment":"neutral","sentiment_score":0.12432429939508438},{"text":"Yeah.","start":1440.225,"end":1440.725,"sentiment":"neutral","sentiment_score":0.16855211555957794},{"text":"Yeah.","start":1444.065,"end":1444.565,"sentiment":"neutral","sentiment_score":0.20190942287445068},{"text":"Yeah.","start":1455.12,"end":1455.62,"sentiment":"neutral","sentiment_score":0.13828390836715698},{"text":"Absolutely.","start":1455.84,"end":1456.34,"sentiment":"neutral","sentiment_score":0.18605712056159973}],"sentiment":"neutral","sentiment_score":0.16382537335157393,"num_words":5,"start":1435.25,"end":1456.34},{"sentences":[{"text":"No.","start":1456.88,"end":1457.36,"sentiment":"neutral","sentiment_score":0.1577209234237671},{"text":"Perfect.","start":1457.36,"end":1457.86,"sentiment":"positive","sentiment_score":0.4271700382232666},{"text":"Perfect.","start":1458.0,"end":1458.5,"sentiment":"positive","sentiment_score":0.42719992995262146},{"text":"The only other thing I've sort of been looking at is is how you're invested.","start":1459.36,"end":1464.485,"sentiment":"neutral","sentiment_score":0.12194378773371378},{"text":"So with your portfolio at the moment, you're in I'm just double checking with Hub twenty four.","start":1464.545,"end":1470.0651,"sentiment":"neutral","sentiment_score":0.1030631341478404}],"sentiment":"neutral","sentiment_score":0.13123774251767567,"num_words":35,"start":1456.88,"end":1470.0651},{"sentences":[{"text":"So sorry.","start":1470.0651,"end":1470.545,"sentiment":"neutral","sentiment_score":-0.016663147136569023},{"text":"It's a little bit slow.","start":1470.545,"end":1471.925,"sentiment":"neutral","sentiment_score":-0.08651869297027588},{"text":"But with the way it is, you're in more of a growth portfolio.","start":1473.025,"end":1478.72,"sentiment":"neutral","sentiment_score":0.07423167933638279},{"text":"So that generally sees about 90 sorry.","start":1478.86,"end":1481.42,"sentiment":"neutral","sentiment_score":0.08093199240309852},{"text":"About 80% of your super invested in growth assets.","start":1481.42,"end":1484.14,"sentiment":"neutral","sentiment_score":0.1227451500793298}],"sentiment":"neutral","sentiment_score":0.060286732494003244,"num_words":36,"start":1470.0651,"end":1484.14},{"sentences":[{"text":"So thinking about things like Australian shares, international shares, listed property, and commodities.","start":1484.14,"end":1488.96,"sentiment":"neutral","sentiment_score":0.11297426716639446},{"text":"And then the other 20% in defense is the lower risk investors like cash, bonds, and fixed interest.","start":1489.74,"end":1495.365,"sentiment":"neutral","sentiment_score":0.1474682175450855},{"text":"Are you feeling fairly happy with where that might fit?","start":1496.0651,"end":1499.105,"sentiment":"neutral","sentiment_score":0.2857547327876091},{"text":"Did you wanna look at or talk about maybe increasing the risk levels or decreasing?","start":1499.105,"end":1503.445,"sentiment":"neutral","sentiment_score":0.05349744806687037},{"text":"How do you sort of feel about your super in the market and what we've gone through so far?","start":1503.505,"end":1507.445,"sentiment":"neutral","sentiment_score":0.12501894270903186}],"sentiment":"neutral","sentiment_score":0.13544616465767226,"num_words":75,"start":1484.14,"end":1507.445},{"sentences":[{"text":"Yeah.","start":1515.9099,"end":1516.4099,"sentiment":"neutral","sentiment_score":0.16360816359519958},{"text":"Still going up.","start":1521.6849,"end":1522.665,"sentiment":"neutral","sentiment_score":0.3054837832848231},{"text":"Yeah.","start":1522.965,"end":1523.465,"sentiment":"neutral","sentiment_score":0.11344849318265916},{"text":"Yeah.","start":1523.6849,"end":1524.1849,"sentiment":"neutral","sentiment_score":0.0948466807603836},{"text":"Yeah.","start":1528.245,"end":1528.745,"sentiment":"neutral","sentiment_score":0.0845147967338562}],"sentiment":"neutral","sentiment_score":0.1961242120180811,"num_words":7,"start":1515.9099,"end":1528.745},{"sentences":[{"text":"Yeah.","start":1530.005,"end":1530.165,"sentiment":"neutral","sentiment_score":-0.007307484745979309},{"text":"Yeah.","start":1530.165,"end":1530.665,"sentiment":"neutral","sentiment_score":-0.038055114448070526},{"text":"No.","start":1534.26,"end":1534.5,"sentiment":"neutral","sentiment_score":-0.13753822445869446},{"text":"That's okay.","start":1534.5,"end":1535.32,"sentiment":"neutral","sentiment_score":-0.0783668477088213},{"text":"As we've been sort of talking and I've been asking a lot of questions, I've been sort of filling out the risk profile question as we go.","start":1535.78,"end":1542.02,"sentiment":"neutral","sentiment_score":-0.0038165374210587253}],"sentiment":"neutral","sentiment_score":-0.01383378216996789,"num_words":32,"start":1530.005,"end":1542.02},{"sentences":[{"text":"The last of the two questions are more asking about how you feel if markets take a bit of a dip.","start":1542.02,"end":1546.58,"sentiment":"neutral","sentiment_score":-0.0957381482280436},{"text":"So with what you're probably hearing and seeing in the news at the moment, there has been a lot of ups and downs that the the market has seen.","start":1546.58,"end":1553.815,"sentiment":"neutral","sentiment_score":-0.17919338802839146},{"text":"If you're super like, it's seen a great 12% return over the last twelve months.","start":1554.4349,"end":1558.275,"sentiment":"neutral","sentiment_score":0.02346637894709905},{"text":"But if you saw a dip, which it can and there will be these sorts of dips in the future, if you saw it fall by, say, 10 or 20 or 30%, how do you think you might be feeling?","start":1558.275,"end":1569.0599,"sentiment":"neutral","sentiment_score":-0.11433566901832819},{"text":"No.","start":1576.1749,"end":1576.575,"sentiment":"negative","sentiment_score":-0.5207260847091675}],"sentiment":"neutral","sentiment_score":-0.11272892949856678,"num_words":106,"start":1542.02,"end":1576.575},{"sentences":[{"text":"No.","start":1576.575,"end":1577.075,"sentiment":"negative","sentiment_score":-0.6136927604675293},{"text":"Yep.","start":1581.855,"end":1582.355,"sentiment":"neutral","sentiment_score":-0.14172935485839844},{"text":"Yep.","start":1584.1749,"end":1584.6749,"sentiment":"neutral","sentiment_score":-0.1445997804403305},{"text":"Yeah.","start":1585.23,"end":1585.71,"sentiment":"neutral","sentiment_score":-0.0018870029598474505},{"text":"Yeah.","start":1585.71,"end":1585.95,"sentiment":"neutral","sentiment_score":0.008011721074581146}],"sentiment":"neutral","sentiment_score":-0.1787794355303049,"num_words":5,"start":1576.575,"end":1585.95},{"sentences":[{"text":"That's okay.","start":1585.95,"end":1586.75,"sentiment":"neutral","sentiment_score":0.007677332498133183},{"text":"Not a problem.","start":1586.75,"end":1587.65,"sentiment":"neutral","sentiment_score":0.00893528883655866},{"text":"Yeah.","start":1597.3251,"end":1597.8251,"sentiment":"neutral","sentiment_score":-0.020596478134393692},{"text":"Beautiful.","start":1608.125,"end":1608.625,"sentiment":"positive","sentiment_score":0.3717001676559448},{"text":"Yeah.","start":1611.9,"end":1612.38,"sentiment":"neutral","sentiment_score":0.11374195665121078}],"sentiment":"neutral","sentiment_score":0.06337577220983803,"num_words":8,"start":1585.95,"end":1612.38},{"sentences":[{"text":"Absolutely.","start":1612.38,"end":1612.88,"sentiment":"neutral","sentiment_score":0.1657678484916687},{"text":"Well, one of the things I do kind of like about my job is the educational value.","start":1613.1,"end":1616.86,"sentiment":"neutral","sentiment_score":0.15973700057057774},{"text":"So whilst we do see events like what we have in the past around COVID and the GSB, where the markets do take a bit of a dip, and you kinda we can't control what is gonna happen.","start":1616.86,"end":1626.565,"sentiment":"neutral","sentiment_score":-0.12067359004561838},{"text":"A lot of what's happening in the market is just human beings making irrational emotional decisions.","start":1626.625,"end":1632.065,"sentiment":"neutral","sentiment_score":-0.2795142251998186},{"text":"They're selling investments because they've heard something in the news.","start":1632.065,"end":1634.625,"sentiment":"neutral","sentiment_score":-0.1479657046496868}],"sentiment":"neutral","sentiment_score":-0.09336810016141432,"num_words":82,"start":1612.38,"end":1634.625},{"sentences":[{"text":"It's quite concerning to them.","start":1634.625,"end":1636.4049,"sentiment":"neutral","sentiment_score":-0.27632705569267274},{"text":"But with your super, because of where you are, because of how long you have until the age of 60, you have that time to withstand those ups and downs.","start":1636.53,"end":1644.29,"sentiment":"neutral","sentiment_score":-0.07230740698675314},{"text":"So when you see a big 10 or 20 or 30% drop in your super, we want you to stay invested through those downtimes.","start":1644.29,"end":1650.7101,"sentiment":"neutral","sentiment_score":-0.11532340136667092},{"text":"And the investments that we invest you in have been through those downtimes.","start":1650.77,"end":1654.745,"sentiment":"neutral","sentiment_score":-0.10868739193448654},{"text":"We pick investments that have seen the COVID dip, that have seen the GST, that have seen those sorts of downtimes, have gone through those big dips, and have come out and recovered from that.","start":1654.745,"end":1664.345,"sentiment":"neutral","sentiment_score":0.005438673459658665}],"sentiment":"neutral","sentiment_score":-0.07047852004604048,"num_words":107,"start":1634.625,"end":1664.345},{"sentences":[{"text":"That way, you're not taking on crazy amounts of risk and investing in speculative.","start":1664.345,"end":1669.15,"sentiment":"neutral","sentiment_score":-0.03853642860693591},{"text":"It's about making sure those investments have gone through those those market ups and downs and have withstood that and come out on top and still grown from that.","start":1669.69,"end":1678.25,"sentiment":"neutral","sentiment_score":0.2533079819946453},{"text":"And that's what we like to invest you in.","start":1678.25,"end":1680.43,"sentiment":"neutral","sentiment_score":0.3321475949552324},{"text":"When you see your super take a bit of a dip like that, let's say it was to drop by a 12% or even a 20% dip there, because you're not selling anything, you're not you're not actually selling out of those investments, you haven't cemented any of the losses.","start":1681.585,"end":1695.6499,"sentiment":"neutral","sentiment_score":-0.09241793520748615},{"text":"They're what we call paper losses, which means that the the value of the investment is there because of what's occurring.","start":1695.6499,"end":1702.3099,"sentiment":"neutral","sentiment_score":-0.014289657274881998}],"sentiment":"neutral","sentiment_score":0.0396322786081128,"num_words":123,"start":1664.345,"end":1702.3099},{"sentences":[{"text":"But if you don't sell any of those investments, it can allow the portfolio to come back and recover.","start":1702.61,"end":1707.75,"sentiment":"neutral","sentiment_score":-0.019123451098015432},{"text":"With this growth portfolio with that eighty twenty split, we normally like you to have about a six year time horizon.","start":1708.445,"end":1714.785,"sentiment":"neutral","sentiment_score":-0.008386273203151566},{"text":"So you don't wanna access that money for at least six years.","start":1714.845,"end":1718.145,"sentiment":"neutral","sentiment_score":-0.17092291762431464},{"text":"Anything beyond that, you know, so anything shorter than that time frame to say you wanted to retire in the next four years and you were in your sort of, you know, fifties or early sixties, I probably wouldn't wanna see you in this sort of environment would be sort of falling back on your risk level.","start":1718.925,"end":1733.12,"sentiment":"neutral","sentiment_score":-0.22428568217315173},{"text":"So the way we kind of like to invest, we start by taking a bit more risk now.","start":1733.345,"end":1737.685,"sentiment":"neutral","sentiment_score":0.023071438488033082}],"sentiment":"neutral","sentiment_score":-0.11779157724964806,"num_words":127,"start":1702.61,"end":1737.685},{"sentences":[{"text":"And then as you get closer to accessing your super, as you get closer to retirement age, we'll start to draw back on that risk level and have you in more of a lower risk portfolio.","start":1738.0651,"end":1748.28,"sentiment":"neutral","sentiment_score":0.05592257860634062},{"text":"Does that make sense?","start":1748.66,"end":1749.64,"sentiment":"neutral","sentiment_score":0.11990264430642128},{"text":"Yeah.","start":1751.86,"end":1752.36,"sentiment":"neutral","sentiment_score":0.16714267432689667},{"text":"Yeah.","start":1752.42,"end":1752.92,"sentiment":"neutral","sentiment_score":0.2750101685523987},{"text":"Beautiful.","start":1752.98,"end":1753.48,"sentiment":"positive","sentiment_score":0.4734166562557221}],"sentiment":"neutral","sentiment_score":0.07926495130672011,"num_words":43,"start":1738.0651,"end":1753.48},{"sentences":[{"text":"So we'll sort of talk and get to know where you are.","start":1753.7,"end":1756.58,"sentiment":"neutral","sentiment_score":0.1463367057343324},{"text":"And as you get closer and closer, we can start to reduce the risk levels.","start":1756.58,"end":1760.66,"sentiment":"neutral","sentiment_score":0.23116382459799448},{"text":"But if you're hearing anything that's concerning you, you're welcome to pick the phone or send us an email and say, hey.","start":1760.66,"end":1765.355,"sentiment":"neutral","sentiment_score":0.2655029571191831},{"text":"I need to have a chat.","start":1765.355,"end":1766.635,"sentiment":"neutral","sentiment_score":0.290686696767807},{"text":"I just wanna talk through what I'm hearing or understanding because I'm more than happy to make that time for you as well.","start":1766.635,"end":1771.755,"sentiment":"positive","sentiment_score":0.4928302946298019}],"sentiment":"neutral","sentiment_score":0.3095356391217464,"num_words":78,"start":1753.7,"end":1771.755},{"sentences":[{"text":"Okay?","start":1771.755,"end":1772.255,"sentiment":"neutral","sentiment_score":0.19328072667121887},{"text":"Perfect.","start":1774.235,"end":1774.735,"sentiment":"positive","sentiment_score":0.6217441558837891},{"text":"Now having a look at where you are and the sort of what we've gone through, that growth environment still suits your time horizon and your risk capacity.","start":1775.0349,"end":1781.6901,"sentiment":"neutral","sentiment_score":0.20488621560590609},{"text":"Are you happy if I keep that $80.20 split with your super at the moment whilst it's working really well for you, and we can always keep to review that down the track?","start":1782.15,"end":1790.65,"sentiment":"positive","sentiment_score":0.36225468010613415},{"text":"Yep.","start":1792.485,"end":1792.985,"sentiment":"neutral","sentiment_score":0.2607799470424652}],"sentiment":"neutral","sentiment_score":0.29323473921976984,"num_words":64,"start":1771.755,"end":1792.985},{"sentences":[{"text":"Beautiful.","start":1793.045,"end":1793.525,"sentiment":"positive","sentiment_score":0.5555289387702942},{"text":"And moving forward, would you like us to do catch ups every three months, six months, or just twelve months?","start":1793.525,"end":1798.805,"sentiment":"neutral","sentiment_score":0.1299182616174221},{"text":"What sort of works in with your life, Amanda?","start":1798.805,"end":1800.885,"sentiment":"neutral","sentiment_score":0.06623667892482546},{"text":"What would you like to see?","start":1800.885,"end":1802.265,"sentiment":"neutral","sentiment_score":0.035922630379597344},{"text":"Twelve months.","start":1806.3401,"end":1807.16,"sentiment":"neutral","sentiment_score":0.10203291475772858}],"sentiment":"neutral","sentiment_score":0.10972699719040017,"num_words":38,"start":1793.045,"end":1807.16},{"sentences":[{"text":"Yep.","start":1807.4601,"end":1807.9401,"sentiment":"neutral","sentiment_score":0.11491061747074129},{"text":"Beautiful.","start":1807.9401,"end":1808.4401,"sentiment":"neutral","sentiment_score":0.2736583948135376},{"text":"Not a problem.","start":1808.5,"end":1809.4,"sentiment":"neutral","sentiment_score":0.10345976303021114},{"text":"Absolutely.","start":1814.18,"end":1814.68,"sentiment":"neutral","sentiment_score":0.13938206434249878},{"text":"Yep.","start":1822.0349,"end":1822.2749,"sentiment":"neutral","sentiment_score":0.04733903333544731}],"sentiment":"neutral","sentiment_score":0.12652419986469404,"num_words":7,"start":1807.4601,"end":1822.2749},{"sentences":[{"text":"Yeah.","start":1822.2749,"end":1822.7749,"sentiment":"neutral","sentiment_score":0.13628575205802915},{"text":"Absolutely.","start":1823.3949,"end":1823.8949,"sentiment":"neutral","sentiment_score":0.21919909119606015},{"text":"That's not a problem at all.","start":1824.195,"end":1825.975,"sentiment":"neutral","sentiment_score":0.29218584299087524},{"text":"So the last sort of thing to let you know is we'll send out your annual review pack to you.","start":1826.4349,"end":1830.15,"sentiment":"neutral","sentiment_score":0.20409944243729114},{"text":"It does have your ongoing service agreement in there for the next twelve months.","start":1830.15,"end":1833.75,"sentiment":"neutral","sentiment_score":0.11943711287208966}],"sentiment":"neutral","sentiment_score":0.18720734119415283,"num_words":42,"start":1822.2749,"end":1833.75},{"sentences":[{"text":"I know you've probably gone through this a few times in the past there.","start":1833.75,"end":1836.7301,"sentiment":"neutral","sentiment_score":0.041433394753507206},{"text":"The ongoing service agreement is a percentage phase fee that we charge for our services.","start":1837.03,"end":1841.53,"sentiment":"neutral","sentiment_score":0.07237457757194837},{"text":"It is 1.65% per annum, and it is deducted from your super in smaller monthly increments there.","start":1841.5901,"end":1847.9551,"sentiment":"neutral","sentiment_score":0.0985467692508417},{"text":"That's what our service is making sure we're looking after your super the insurance aspect, but it's also about making sure we're here to service any other goals that you need and, you know, look at whatever else is happening in your life there as well.","start":1848.415,"end":1859.86,"sentiment":"neutral","sentiment_score":0.22764932169862415},{"text":"Do you have any questions about how the ongoing service agreement works or the fee structure or anything like that?","start":1860.24,"end":1865.86,"sentiment":"neutral","sentiment_score":0.010618114913813769}],"sentiment":"neutral","sentiment_score":0.12522511039112164,"num_words":112,"start":1833.75,"end":1865.86},{"sentences":[{"text":"No?","start":1867.68,"end":1868.16,"sentiment":"neutral","sentiment_score":-0.0895671546459198},{"text":"That's okay.","start":1868.16,"end":1869.04,"sentiment":"positive","sentiment_score":0.3888925164937973},{"text":"All good.","start":1869.04,"end":1869.44,"sentiment":"positive","sentiment_score":0.5833789110183716},{"text":"I've also added in there for you the financial services guide, which outlines everything about who we are, what we do, how we do it.","start":1869.44,"end":1875.135,"sentiment":"neutral","sentiment_score":0.22758819818496703},{"text":"It has all the services that we're able to provide there as well, and it has a lovely picture of myself as a licensed adviser.","start":1875.135,"end":1881.695,"sentiment":"positive","sentiment_score":0.4121229803562164}],"sentiment":"neutral","sentiment_score":0.32450463934378193,"num_words":55,"start":1867.68,"end":1881.695},{"sentences":[{"text":"It's got all the information in there.","start":1881.695,"end":1883.215,"sentiment":"neutral","sentiment_score":0.3105896370751517},{"text":"I'm registered to ask, and my license number is also noted in there for you as well.","start":1883.215,"end":1887.55,"sentiment":"neutral","sentiment_score":0.19855872673146865},{"text":"Okay?","start":1887.6101,"end":1888.1101,"sentiment":"neutral","sentiment_score":0.1221221163868904},{"text":"It's that's okay.","start":1889.4501,"end":1890.49,"sentiment":"neutral","sentiment_score":0.3083259661992391},{"text":"We'll also add all the reports that we've got here giving you showing you your current certificate, current needs to the insurances, the rate of return that we've gone through with regards to your portfolio report there.","start":1890.49,"end":1900.1101,"sentiment":"neutral","sentiment_score":0.16917685540141286}],"sentiment":"neutral","sentiment_score":0.19778876121227557,"num_words":65,"start":1881.695,"end":1900.1101},{"sentences":[{"text":"And we've also got just a loss super search, and we also do a a tax file consent form.","start":1900.525,"end":1906.125,"sentiment":"neutral","sentiment_score":0.08274728942074273},{"text":"So we like to make sure you're aware of the personal information that we do hold.","start":1906.125,"end":1910.045,"sentiment":"neutral","sentiment_score":0.07439702772535384},{"text":"We do hold your tax file number, so we wanna make sure you're aware of that.","start":1910.045,"end":1913.98,"sentiment":"neutral","sentiment_score":0.09004035871475935},{"text":"So we do have that consent form attached to this DocuSign for you as well.","start":1913.98,"end":1918.16,"sentiment":"neutral","sentiment_score":0.09890770564476649},{"text":"Okay.","start":1918.3,"end":1918.8,"sentiment":"neutral","sentiment_score":0.0955258011817932}],"sentiment":"neutral","sentiment_score":0.08630355325207781,"num_words":67,"start":1900.525,"end":1918.8},{"sentences":[{"text":"Beautiful.","start":1919.98,"end":1920.48,"sentiment":"positive","sentiment_score":0.5419930219650269},{"text":"My colleague will send all that information out to you shortly.","start":1921.1,"end":1923.5,"sentiment":"neutral","sentiment_score":0.3101910664276643},{"text":"Once you get that email, if you could sign and return that for us.","start":1923.5,"end":1926.385,"sentiment":"neutral","sentiment_score":0.20448038620608194},{"text":"In the meantime, I'll go back and look at the the investments.","start":1926.385,"end":1929.905,"sentiment":"neutral","sentiment_score":0.08842483224968116},{"text":"So did the investments switch for you, and I'll get an I'll get an updated quote to increase your to, sorry, get increase your income protection policy, and I'll email that through to you.","start":1929.905,"end":1941.68,"sentiment":"neutral","sentiment_score":0.1055655111284817}],"sentiment":"neutral","sentiment_score":0.15926591006831992,"num_words":72,"start":1919.98,"end":1941.68},{"sentences":[{"text":"Sorry.","start":1941.68,"end":1941.92,"sentiment":"neutral","sentiment_score":-0.02566913142800331},{"text":"Sorry.","start":1941.92,"end":1942.16,"sentiment":"neutral","sentiment_score":-0.04602276161313057},{"text":"I had a mind blank there.","start":1942.16,"end":1943.4601,"sentiment":"neutral","sentiment_score":-0.12372249861558278},{"text":"And I'll email that through to you in a couple of days so you can have a look at that, and we can look at and talk about how to move forward.","start":1945.76,"end":1951.12,"sentiment":"neutral","sentiment_score":0.1392467898549512},{"text":"Does that sound okay?","start":1951.12,"end":1952.26,"sentiment":"neutral","sentiment_score":0.14379599317908287}],"sentiment":"neutral","sentiment_score":0.09584214462136681,"num_words":44,"start":1941.68,"end":1952.26},{"sentences":[{"text":"Yep.","start":1954.395,"end":1954.895,"sentiment":"neutral","sentiment_score":0.1807423233985901},{"text":"That's okay.","start":1954.955,"end":1955.515,"sentiment":"neutral","sentiment_score":0.1860658824443817},{"text":"I'll let you go because I do know you are set for time and about to go into a meeting.","start":1955.515,"end":1959.375,"sentiment":"neutral","sentiment_score":0.1614046148955822},{"text":"But if it's anything in the meantime, Amanda, please let me know.","start":1959.9149,"end":1963.4349,"sentiment":"neutral","sentiment_score":0.14240193367004395},{"text":"It's been an absolute pleasure to get to know you.","start":1963.4349,"end":1965.595,"sentiment":"positive","sentiment_score":0.8802401602268219}],"sentiment":"neutral","sentiment_score":0.3176042487223943,"num_words":45,"start":1954.395,"end":1965.595},{"sentences":[{"text":"Looking forward to helping you meet your goals moving forward.","start":1965.595,"end":1968.255,"sentiment":"positive","sentiment_score":0.8418182909488678},{"text":"I will.","start":1971.48,"end":1971.96,"sentiment":"positive","sentiment_score":0.5914058685302734},{"text":"You too.","start":1971.96,"end":1972.44,"sentiment":"positive","sentiment_score":0.4570336788892746},{"text":"Thank you so much for your time.","start":1972.44,"end":1974.04,"sentiment":"positive","sentiment_score":0.7959317905562264},{"text":"See you later.","start":1974.04,"end":1974.86,"sentiment":"positive","sentiment_score":0.5733253955841064}],"sentiment":"positive","sentiment_score":0.7419400302072366,"num_words":24,"start":1965.595,"end":1974.86},{"sentences":[{"text":"Bye.","start":1976.76,"end":1977.26,"sentiment":"neutral","sentiment_score":-0.12806729972362518}],"sentiment":"neutral","sentiment_score":-0.12806729972362518,"num_words":1,"start":1976.76,"end":1977.26}]}}]},{"alternatives":[{"transcript":"Hello? I'm good. Thanks. How are you? Yes. Yep. Yes. Alright. Yep. Full name Amanda Moreno. Date of birth, the date of birth, the date of birth, thirty first eighty one. And address should be 5 Moffett Place, Tarkula Beach, WA 6 530. Yeah. I'm just at work. I've got a meeting in half now, but, yeah, we're we're good, you guys. I think it's actually better now, to be honest. I've got a baby when I get home and he had he demands my attention from the mom when I walk in the door. No. So the only thing is I'm I'm back at work now, three weeks in. So, yes, this year will obviously be a bit better with my contributions to my sofa than the previous year. Yes. Yeah. Yep. Yep. Daniel Bloomfield. Yeah. Yeah. He's the father of my children. So anything happens to me, he he yeah. He can look after the kids with with that. Yeah. Yep. Yeah. Yeah. Yes, please. Yep. 1971. Yes. That's Daniel Peter Blamfield. That's correct. Yep. Yep. Yeah. Yeah. No. That's okay. Yeah. Yep. Yeah. Yeah. And if there's any change, I can do it manually type thing. You know? Yep. Email is absolutely fine. Yep. So how do I sign electronically? Okay. Yeah. Yep. Okay. No worries. Yep. I might get you to I might get you to post it to me as well then. Just in case I, you know, forget to do it or whatever. If I've got a hard copy, that'll that'll remind me to get it done. You know? Yeah. Yeah. And I've noticed that now that I've returned back to work. Everything's a bit hectic. Yeah. That's true. Yes. Yep. So a little boy named Bodhi. No. B o d h I. Yeah. Yeah. That's true. Thank you. Yeah. No. It's all good. Mhmm. Yes. Yes, please. Yeah. That's right. Yeah. Probably inactive. Yeah. Tomorrow. I don't know. What's the what's the going age normally? About 60, 65? Yeah. Yeah. Yeah. About 60 five. Yeah. Sixty sixty five. Yep. Still. Yep. Yeah. Yep. Fine. No. That sounds good. Yep. It has, actually. It's changed. No. It's a lot more than that now. It's 104 4, I'm pretty sure. Yeah. Oh, I'm just trying to find the exact figure one set. Should be in here. I'm just trying to log in file. Of course, it did. Everything's, like, failing because I haven't done it on my desktop at work, but I have on my phone. So let me have a look what it should be on my last pay slip, surely. Works. Hang on. Let's have a look. Thanks a bit. My gross earnings of Fortnite is 4,006.88. A Fortnite. Fortnite. $4.00 $0.6.88. Yeah. It's not on my pay slip, which is weird. I wonder where it is. I remember seeing a letter about it. I don't know why I wanna please check if it's in the correct oh, the email will be different fortnightly. Yeah. Yeah. Is it gonna cost me more to do that? Yeah. That's probably best. And and that's basically income protect protections as if I can't work for whatever rate. It has to be are there stipulations on that? It has to be medical. Yep. Yeah. Yeah. Yeah. That'd probably be the best way to go, and then I can assess it, probably. Mhmm. Yep. Yep. No. I bought that place. Well, I purchased it two and a bit years ago when I moved to Moffett, and I bought it at 04:18. I did get an appraisal done on about a year ago, and it was, like, 560 or something. 300 and I can tell you exactly. Just one sec. So my mortgage is $378,596.38. Yeah. Still got the Caravan. Still got the four wheel drive. Yep. It's a Toyota Prado. I don't know. Probably 20 thousand. 8010. Yeah. Yep. No. No. Fully ironed out. Right? The only loan I've got is my mortgage. Money money. Yeah. No. No. I don't. And I have been actually thinking about organizing that. Yeah. I need to do it. Now that I've got a home and stuff, I think it's important to get it done. Yes, please. Like, local as in local for me here. I'll do that? Okay. Cool. Yeah. No. I'd rather not do it right now. I'm still trying to work a balance out. You know? I've only had one pay one full fortnight's pay since I've been back. So I'm still, yeah, working it out, if you know what I mean. I was off work for a fifth nearly fifteen months. So, you know, I to be able to do that, I did dip into a lot of my savings, and, you know, I pretty much got no savings left. And, yeah, I'm just trying to, you know, get back on my feet, find out you know, get comfortable. And then once I start getting my regular fortnight pay, then I can add because I was paying extra to my mortgage every fortnight and putting heaps of money away, saving, and I haven't done that this fortnight because I'm still playing catch up. So, you know, once I get back on track and everything's, you know, flowing like it should, then I can assess that. You know? Yep. Yep. Yes. Okay. Thank you. Yeah. Yep. No. That's about it. Yeah. Just keep get back on track and start building up a bit of a savings and yeah. And whatever extra I can put on the mortgage is probably my priority. I've, you know, I'd like to there's some goals I've set, like, personal goals I've set myself as well and with things I I wanna do to the house and and whatnot. So, you know, I'm just working towards that little steps. Well, I mean, it feels it seems to be doing okay the way that it is, especially the last twelve months because I haven't really contributed a whole lot to it, and it's still grew, I guess. So it seems to be, you know, tracking along quite well, actually. So I don't I don't yeah. I don't know, to be honest. Nobody likes to lose money. You know? It'll be a bit disappointing to lose. That's why I'm not a huge risk taker, to be honest. But, you know, there's there's never any guarantees in in doing what you do, you know, with chairs and and all of that. Like, I mean, it's way above my expertise. I don't really understand it a lot of the time. So I just, like, I I put my trust in you guys because you know what you're doing and hope that you make the right decisions for me. You know? Yeah. Yeah. I do. Okay. Yep. Yeah. Yep. Twelve months is good. Yeah. Annual is good. Yeah. If there's anything in, you know, in between that, I like you said, I can always pick up the phone or email you if I've got a question or concerns or just wanna run some a thought. Buyers, well, I'll just do that, you know, in between. Yep. No. No. So good. Okay. Thank you. Mhmm. Okay. Yep. Income. Yep. No. That's okay. That's perfect. Thank you. Yeah. Mayday. Yeah. Thank you, and you have a good day. See you later. 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 I'm good. Thanks. How are you? Yes.\n\nYep. Yes. Alright. Yep. Full name Amanda Moreno.\n\nDate of birth, the date of birth, the date of birth, thirty first eighty one. And address should be 5 Moffett Place, Tarkula Beach, WA 6 530. Yeah. I'm just at work. I've got a meeting in half now, but, yeah, we're we're good, you guys.\n\nI think it's actually better now, to be honest. I've got a baby when I get home and he had he demands my attention from the mom when I walk in the door. No. So the only thing is I'm I'm back at work now, three weeks in. So, yes, this year will obviously be a bit better with my contributions to my sofa than the previous year.\n\nYes. Yeah. Yep. Yep. Daniel Bloomfield.\n\nYeah. Yeah. He's the father of my children. So anything happens to me, he he yeah. He can look after the kids with with that.\n\nYeah. Yep. Yeah. Yeah. Yes, please.\n\nYep. 1971. Yes. That's Daniel Peter Blamfield. That's correct.\n\nYep. Yep. Yeah. Yeah. No.\n\nThat's okay. Yeah. Yep. Yeah. Yeah.\n\nAnd if there's any change, I can do it manually type thing. You know? Yep. Email is absolutely fine. Yep.\n\nSo how do I sign electronically? Okay. Yeah. Yep. Okay.\n\nNo worries. Yep. I might get you to I might get you to post it to me as well then. Just in case I, you know, forget to do it or whatever. If I've got a hard copy, that'll that'll remind me to get it done.\n\nYou know? Yeah. Yeah. And I've noticed that now that I've returned back to work. Everything's a bit hectic.\n\nYeah. That's true. Yes. Yep. So a little boy named Bodhi.\n\nNo. B o d h I. Yeah. Yeah. That's true.\n\nThank you. Yeah. No. It's all good. Mhmm.\n\nYes. Yes, please. Yeah. That's right. Yeah.\n\nProbably inactive. Yeah. Tomorrow. I don't know. What's the what's the going age normally?\n\nAbout 60, 65? Yeah. Yeah. Yeah. About 60 five.\n\nYeah. Sixty sixty five. Yep. Still. Yep.\n\nYeah. Yep. Fine. No. That sounds good.\n\nYep. It has, actually. It's changed. No. It's a lot more than that now.\n\nIt's 104 4, I'm pretty sure. Yeah. Oh, I'm just trying to find the exact figure one set. Should be in here. I'm just trying to log in file.\n\nOf course, it did. Everything's, like, failing because I haven't done it on my desktop at work, but I have on my phone. So let me have a look what it should be on my last pay slip, surely. Works. Hang on.\n\nLet's have a look. Thanks a bit. My gross earnings of Fortnite is 4,006.88. A Fortnite. Fortnite.\n\n$4.00 $0.6.88. Yeah. It's not on my pay slip, which is weird. I wonder where it is. I remember seeing a letter about it.\n\nI don't know why I wanna please check if it's in the correct oh, the email will be different fortnightly. Yeah. Yeah. Is it gonna cost me more to do that? Yeah.\n\nThat's probably best. And and that's basically income protect protections as if I can't work for whatever rate. It has to be are there stipulations on that? It has to be medical. Yep.\n\nYeah. Yeah. Yeah. That'd probably be the best way to go, and then I can assess it, probably. Mhmm.\n\nYep. Yep. No. I bought that place. Well, I purchased it two and a bit years ago when I moved to Moffett, and I bought it at 04:18.\n\nI did get an appraisal done on about a year ago, and it was, like, 560 or something. 300 and I can tell you exactly. Just one sec. So my mortgage is $378,596.38. Yeah.\n\nStill got the Caravan. Still got the four wheel drive. Yep. It's a Toyota Prado. I don't know.\n\nProbably 20 thousand. 8010. Yeah. Yep. No.\n\nNo. Fully ironed out. Right? The only loan I've got is my mortgage. Money money.\n\nYeah. No. No. I don't. And I have been actually thinking about organizing that.\n\nYeah. I need to do it. Now that I've got a home and stuff, I think it's important to get it done. Yes, please. Like, local as in local for me here.\n\nI'll do that? Okay. Cool. Yeah. No.\n\nI'd rather not do it right now. I'm still trying to work a balance out. You know? I've only had one pay one full fortnight's pay since I've been back. So I'm still, yeah, working it out, if you know what I mean.\n\nI was off work for a fifth nearly fifteen months. So, you know, I to be able to do that, I did dip into a lot of my savings, and, you know, I pretty much got no savings left. And, yeah, I'm just trying to, you know, get back on my feet, find out you know, get comfortable. And then once I start getting my regular fortnight pay, then I can add because I was paying extra to my mortgage every fortnight and putting heaps of money away, saving, and I haven't done that this fortnight because I'm still playing catch up. So, you know, once I get back on track and everything's, you know, flowing like it should, then I can assess that.\n\nYou know? Yep. Yep. Yes. Okay.\n\nThank you. Yeah. Yep. No. That's about it.\n\nYeah. Just keep get back on track and start building up a bit of a savings and yeah. And whatever extra I can put on the mortgage is probably my priority. I've, you know, I'd like to there's some goals I've set, like, personal goals I've set myself as well and with things I I wanna do to the house and and whatnot. So, you know, I'm just working towards that little steps.\n\nWell, I mean, it feels it seems to be doing okay the way that it is, especially the last twelve months because I haven't really contributed a whole lot to it, and it's still grew, I guess. So it seems to be, you know, tracking along quite well, actually. So I don't I don't yeah. I don't know, to be honest. Nobody likes to lose money.\n\nYou know? It'll be a bit disappointing to lose. That's why I'm not a huge risk taker, to be honest. But, you know, there's there's never any guarantees in in doing what you do, you know, with chairs and and all of that. Like, I mean, it's way above my expertise.\n\nI don't really understand it a lot of the time. So I just, like, I I put my trust in you guys because you know what you're doing and hope that you make the right decisions for me. You know? Yeah. Yeah.\n\nI do. Okay. Yep. Yeah. Yep.\n\nTwelve months is good. Yeah. Annual is good. Yeah. If there's anything in, you know, in between that, I like you said, I can always pick up the phone or email you if I've got a question or concerns or just wanna run some a thought.\n\nBuyers, well, I'll just do that, you know, in between. Yep. No. No. So good.\n\nOkay. Thank you. Mhmm. Okay. Yep.\n\nIncome. Yep. No. That's okay. That's perfect.\n\nThank you. Yeah. Mayday. Yeah. Thank you, and you have a good day.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.36,"end":1.86,"sentiment":"neutral","sentiment_score":0.03085550293326378},{"text":"I'm good.","start":6.3999996,"end":6.96,"sentiment":"positive","sentiment_score":0.5281779170036316},{"text":"Thanks.","start":6.96,"end":7.2799997,"sentiment":"positive","sentiment_score":0.6084872484207153},{"text":"How are 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of birth, the date of birth, the date of birth, thirty first eighty one.","start":40.28,"end":42.94,"sentiment":"neutral","sentiment_score":0.05563802445928256},{"text":"And address should be 5 Moffett Place, Tarkula Beach, WA 6 530.","start":44.135002,"end":49.755,"sentiment":"neutral","sentiment_score":0.05971671609828869},{"text":"Yeah.","start":55.735,"end":56.055,"sentiment":"neutral","sentiment_score":0.08992431312799454},{"text":"I'm just at work.","start":56.055,"end":57.015,"sentiment":"neutral","sentiment_score":0.05711555574089289},{"text":"I've got a meeting in half now, but, yeah, we're we're good, you guys.","start":57.015,"end":61.190002,"sentiment":"neutral","sentiment_score":0.1794914145554815}],"sentiment":"neutral","sentiment_score":0.09527037608558717,"num_words":46,"start":40.28,"end":61.190002},{"sentences":[{"text":"I think it's actually better now, to be 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correct.","start":250.705,"end":251.605,"sentiment":"neutral","sentiment_score":0.13369425386190414}],"sentiment":"neutral","sentiment_score":0.12860272038314077,"num_words":9,"start":228.56999,"end":251.605},{"sentences":[{"text":"Yep.","start":252.385,"end":252.885,"sentiment":"neutral","sentiment_score":0.22768601775169373},{"text":"Yep.","start":252.945,"end":253.38,"sentiment":"neutral","sentiment_score":0.20671111345291135},{"text":"Yeah.","start":255.62001,"end":255.94,"sentiment":"neutral","sentiment_score":0.14638161659240723},{"text":"Yeah.","start":255.94,"end":256.26,"sentiment":"neutral","sentiment_score":0.13004183769226074},{"text":"No.","start":256.26,"end":256.42,"sentiment":"neutral","sentiment_score":0.14790448546409607}],"sentiment":"neutral","sentiment_score":0.17174501419067384,"num_words":5,"start":252.385,"end":256.42},{"sentences":[{"text":"That's 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sure.","start":757.14996,"end":764.27496,"sentiment":"neutral","sentiment_score":0.07796699181199074},{"text":"Yeah.","start":764.27496,"end":764.77496,"sentiment":"neutral","sentiment_score":0.04480812698602677},{"text":"Oh, I'm just trying to find the exact figure one set.","start":765.555,"end":771.01495,"sentiment":"neutral","sentiment_score":0.028064202347939663},{"text":"Should be in here.","start":773.67,"end":774.81,"sentiment":"neutral","sentiment_score":0.07915389537811279},{"text":"I'm just trying to log in file.","start":782.14996,"end":784.47,"sentiment":"neutral","sentiment_score":0.03561488805072648}],"sentiment":"neutral","sentiment_score":0.047835727639753245,"num_words":29,"start":757.14996,"end":784.47},{"sentences":[{"text":"Of course, it did.","start":784.47,"end":785.61,"sentiment":"neutral","sentiment_score":0.05003389809280634},{"text":"Everything's, like, failing because I haven't done it on my desktop at work, but I have on my phone.","start":786.685,"end":796.205,"sentiment":"neutral","sentiment_score":-0.016196699690465863},{"text":"So let me have a look what it should be on my last pay slip, surely.","start":796.205,"end":800.6,"sentiment":"neutral","sentiment_score":-0.000057371624279767275},{"text":"Works.","start":806.02,"end":806.52,"sentiment":"neutral","sentiment_score":0.03086044453084469},{"text":"Hang on.","start":806.66,"end":807.4,"sentiment":"neutral","sentiment_score":0.018944350071251392}],"sentiment":"neutral","sentiment_score":-0.0009469167395894017,"num_words":42,"start":784.47,"end":807.4},{"sentences":[{"text":"Let's have a look.","start":807.54,"end":808.58,"sentiment":"neutral","sentiment_score":0.020253169699572027},{"text":"Thanks a bit.","start":808.58,"end":809.56,"sentiment":"positive","sentiment_score":0.4107092221577962},{"text":"My gross earnings of Fortnite is 4,006.88.","start":819.555,"end":826.39996,"sentiment":"neutral","sentiment_score":0.06939390142049108},{"text":"A 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$378,596.38.","start":1107.47,"end":1118.475,"sentiment":"neutral","sentiment_score":0.046500508487224576},{"text":"Yeah.","start":1126.15,"end":1126.55,"sentiment":"neutral","sentiment_score":0.028812825679779053}],"sentiment":"neutral","sentiment_score":0.028889846823671284,"num_words":34,"start":1077.66,"end":1126.55},{"sentences":[{"text":"Still got the Caravan.","start":1126.55,"end":1127.67,"sentiment":"neutral","sentiment_score":0.037024629302322865},{"text":"Still got the four wheel drive.","start":1127.67,"end":1129.11,"sentiment":"neutral","sentiment_score":0.055168988493581615},{"text":"Yep.","start":1129.11,"end":1129.61,"sentiment":"neutral","sentiment_score":0.05667974799871445},{"text":"It's a Toyota Prado.","start":1135.91,"end":1137.53,"sentiment":"neutral","sentiment_score":0.0019010808318853378},{"text":"I don't 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later.","start":1975.2828,"end":1976.0028,"sentiment":"positive","sentiment_score":0.3598468104998271},{"text":"Bye.","start":1976.0028,"end":1976.5028,"sentiment":"neutral","sentiment_score":0.23319360613822937}],"sentiment":"neutral","sentiment_score":0.32818350940942764,"num_words":4,"start":1975.2828,"end":1976.5028}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Amanda. This is Dana from Okey Financial. How are you today?\n\nChannel 1: I'm good. Thanks. How are you?\n\nChannel 0: I'm very well. Thank you. Thanks for asking. I had you booked in this afternoon just to go through your annual review. Is now still a good time there for you?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yeah. That's okay. All good. Before we jump into the call there, Amanda, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Lovely. And we're doing security as well just because we are discussing your personal information. I just need to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Alright. Yep. Full name Amanda Moreno.\n\nChannel 0: Yep.\n\nChannel 1: Date of birth, the date of birth, the date of birth, thirty first eighty one.\n\nChannel 0: Yep.\n\nChannel 1: And address should be 5 Moffett Place, Tarkula Beach, WA\n\nChannel 0: Beautiful.\n\nChannel 1: 6\n\nChannel 0: Thank\n\nChannel 1: 530.\n\nChannel 0: thank you so much for that. Still any morning where you're located there? How's your day been so far?\n\nChannel 1: Yeah. I'm just at work. I've got a meeting in half now, but, yeah, we're we're good, you guys.\n\nChannel 0: Wow. No. That's okay. This normally does take about sort of thirty minutes to run through depending on what we have to go through. Is now still okay?\n\nIf not, I'm happy to reschedule. And I do work late in the afternoon, so I can even do it sort of before or after work if it suits you better. Is now\n\nChannel 1: I\n\nChannel 0: still\n\nChannel 1: think\n\nChannel 0: okay?\n\nChannel 1: it's actually better now, to be honest. I've got a baby when I get home and he had he demands my attention from the mom when I walk in the door.\n\nChannel 0: Yeah. Yeah. As they do. Not a problem at all. Well, I'll try to run through things, sorry, as quickly as I can.\n\nAs we go through the annual review there, is there anything important that you wanted to ask me or anything you wanted me to touch on as part of this for you?\n\nChannel 1: No. So the only thing\n\nChannel 0: Beautiful.\n\nChannel 1: is I'm I'm back at work now, three weeks in.\n\nChannel 0: Yep.\n\nChannel 1: So, yes, this year will obviously be a bit better with my\n\nChannel 0: Howard\n\nChannel 1: contributions\n\nChannel 0: yeah.\n\nChannel 1: to my sofa than the previous year.\n\nChannel 0: Yep. Yeah. No. Fantastic. Excellent.\n\nI had a bit of a look here, so I can see you have been off on maternity leave, which is great. You're back to work now. With with looking at that now I'll just before I jump into everything, just run through your super and have a bit of a look at it all. So lastly, when we did your annual review in 2025, you bounced about a 140\n\nChannel 1: Yes.\n\nChannel 0: $5,308.10. In the last twelve months, you have seen, even with not having many contributions going in, at 12.2% net return. So you still have seen a good return out of your super debt, which is good to see.\n\nChannel 1: Yeah.\n\nChannel 0: And your balance as of the April 21, so today's date, is about 156,000 sorry, 619. So you have seen a good increase even even with no additional contributions going in while you've been on maternity leave. So it is a positive thing to see.\n\nChannel 1: Yep.\n\nChannel 0: I had a bit of a look now with your contribute sorry. With your super there as well, we do have it noted you've got a beneficiary on here. I believe it's your partner.\n\nChannel 1: Yep. Daniel Bloomfield.\n\nChannel 0: That's the one. Yep. Perfect. So you're happy for Daniel to be your nomination on there for your super?\n\nChannel 1: Yeah. Yeah. He's the father\n\nChannel 0: Yep.\n\nChannel 1: of my children. So\n\nChannel 0: Beautiful. Lovely.\n\nChannel 1: anything\n\nChannel 0: And never\n\nChannel 1: happens to me, he he yeah.\n\nChannel 0: yeah.\n\nChannel 1: He can look after the kids with with that. Yeah.\n\nChannel 0: Perfect. Perfect. We certainly hope nothing does. However,\n\nChannel 1: Yep.\n\nChannel 0: it is always good to make sure that is updated there. It does look like on your nearest insurance policy, we don't have a beneficiary nomination, so I wanted to make sure we update that for you as well. Are you wanting Daniel to be your nomination on your life insurance policy as well?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. Beautiful. Are you happy for us to pre fill that nomination with all his information to make it easier on you?\n\nChannel 1: Yes, please. Yep.\n\nChannel 0: Fantastic. So I've got here Daniel Peter Bloomfield as your spouse. Can I describe his date of birth just so I'm confirming everything correctly?\n\nChannel 1: 1971.\n\nChannel 0: 1971. Fantastic.\n\nChannel 1: Yes. That's\n\nChannel 0: And he\n\nChannel 1: Daniel Peter Blamfield.\n\nChannel 0: yep. Beautiful. And he lives at the same address as yourself. Just double checking\n\nChannel 1: That's\n\nChannel 0: that\n\nChannel 1: correct.\n\nChannel 0: one with you. Excellent.\n\nChannel 1: Yep. Yep.\n\nChannel 0: You just never know.\n\nChannel 1: Yeah. Yeah. No. That's okay.\n\nChannel 0: Lovely. And you're happy for him to be a 100% nomination. Is that right?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. Lovely. Now on your you've also got a binding non lapsing nomination. That essentially means that you've found the trustee to follow that direction, and non lapsing means that you don't have to keep filling these forms out. It stays applied until you alter or change your nomination.\n\nAre you happy for your super nomination to be the same way so you don't have to fill the format every couple of years?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: And if there's any change, I can do it manually type thing. You know?\n\nChannel 0: Yeah. Absolutely. Well, when we do these reviews every year, we'll go through and just reconfirm it. So if anything does change, we can help you to pick it up and help you to alter the forms when they be. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. So if everything's going really well, I'll get my colleague Michelle. She's my admin team member. She's gonna organize, pre fill the form, and we'll have it sent out to you. Is it easier to email or post?\n\nWhat's more preferable for yourself? We can do both if you like.\n\nChannel 1: Email is absolutely fine.\n\nChannel 0: Email. Perfect. Not a problem at all. She's doing this up as we speak, so we'll have it all set out to you to be signed. And, Witness, if you do find you have any troubles, Amanda, please let us know.\n\nOkay?\n\nChannel 1: Yep. So how do I sign electronically?\n\nChannel 0: No. It has to be manually wet signed, unfortunately. So it just needs to be printed, signed, and the document does normally need to be witnessed as well. So if you just got two friends that can sort of or two people that you know that can just help you witness your your signature on the document, they can witness it and sign it, and then you can send it straight back to us. The only thing is a witness just can't be the person you're nominating as the beneficiary.\n\nSo just not your staff if possible.\n\nChannel 1: Okay.\n\nChannel 0: Okay?\n\nChannel 1: Yeah. Yep. Okay. No worries.\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Excellent.\n\nChannel 1: I might\n\nChannel 0: Thank\n\nChannel 1: get\n\nChannel 0: you.\n\nChannel 1: you to I might get you to post it to me as well then.\n\nChannel 0: Yeah. Absolutely. We'll pop\n\nChannel 1: Just\n\nChannel 0: it in\n\nChannel 1: in\n\nChannel 0: the post\n\nChannel 1: case\n\nChannel 0: as\n\nChannel 1: I,\n\nChannel 0: well.\n\nChannel 1: you know, forget to do it or whatever. If I've got a hard copy, that'll that'll remind me\n\nChannel 0: Absolutely. You've got a lot going on with a small child there, so it's very easy for these\n\nChannel 1: to\n\nChannel 0: things\n\nChannel 1: get it\n\nChannel 0: to\n\nChannel 1: done.\n\nChannel 0: get\n\nChannel 1: You know?\n\nChannel 0: missed.\n\nChannel 1: Yeah. Yeah. And I've noticed that\n\nChannel 0: Yeah.\n\nChannel 1: now that I've returned back to work. Everything's a bit hectic.\n\nChannel 0: It is. It's amazing how much it changes your life, isn't it?\n\nChannel 1: Yeah. That's\n\nChannel 0: Oh,\n\nChannel 1: true.\n\nChannel 0: beauti yeah. And you sorry. You mentioned you had a little boy.\n\nChannel 1: Yes. Yep. So\n\nChannel 0: Oh,\n\nChannel 1: a little boy named\n\nChannel 0: beautiful.\n\nChannel 1: Bodhi.\n\nChannel 0: Oh, gorgeous. Do you spell it b o d I e?\n\nChannel 1: No.\n\nChannel 0: Oh,\n\nChannel 1: B o d h I.\n\nChannel 0: beautiful. Lovely. Fantastic.\n\nChannel 1: Yeah.\n\nChannel 0: It's changed your life in so many ways. It's so much fun at the same time.\n\nChannel 1: Yeah. That's true.\n\nChannel 0: Yeah. Oh, beautiful. I hope you enjoy everything. We'll make sure we are catching up. So sorry.\n\nChannel 1: Thank you. Yeah. No. It's all good.\n\nChannel 0: All good. Now I am very mindful that you've limited time today, so I'll touch on the things that I do need to touch on. I have also just had a bit of a look at your super now. I have noted with even though you've got a great return for the year, there has been some investments or one of your underlying investments has sort of been underperforming a little bit in here. So we've actually got your Ben along Australian Equities.\n\nThat one there, the investment itself has had some underlying issues, which has made it sort of underperforming your super there. What I sort of wanted to do is to touch on this to maybe go back and review that investment option. We've\n\nChannel 1: Mhmm.\n\nChannel 0: got a couple of other options out there that haven't been underperforming as much as this one, and maybe swap that one out. Are you comfortable with me just updating the advice and maybe changing the investment around for you?\n\nChannel 1: Yes. Yes, please. Yeah.\n\nChannel 0: Yep. Beautiful. We wanna get rid of anything that's underperforming and make sure\n\nChannel 1: That's\n\nChannel 0: your sleep\n\nChannel 1: right.\n\nChannel 0: is working harder for you. Excellent.\n\nChannel 1: Yeah.\n\nChannel 0: We do have a couple of options that we can look at. The idea of having Ben along in your portfolio was it was meant to be more of an actively managed component. So the investment manager within Van Along is meant to be actively managing the the funds and trying to sort of buy and sell or take investments where they see good quality growth. The idea there is that they're trying to outperform against the market. Generally, when you have these sorts of actively managed investment managers, they you do pay a little bit more to have that component in there.\n\nDid you want me to keep looking at active managers to maybe swap that out with, or you have if we maybe look at something like a passive manager? Because the difference there is that passive managers are just looking to track a certain index. They're participating in the market and making sure that they're invested in line with with the industries that they are tracking. It can also be a little bit cheaper in the way of investing as well. Did you wanna look at something a bit cheaper, a bit more passive, or are you happy to try and have that active management in there and have a manager that's trying to outperform the market?\n\nWhat would you like to see?\n\nChannel 1: Probably inactive.\n\nChannel 0: Yeah. Yeah. You wanna keep it a bit active? Yep. That's\n\nChannel 1: Yeah.\n\nChannel 0: absolutely fine. Yeah. Not a problem. So with who your agent stage, just looking at your last goals there as well, what age are you sort of hoping you'd like to be able to maybe stop working and retire in the future? Well, if if we even let it, we'll let you know.\n\nChannel 1: Tomorrow. I don't know. What's the what's the going age normally? About 60, 65?\n\nChannel 0: Yeah. At the moment, the earliest you can access super if you retire is age 60. So you\n\nChannel 1: Yeah.\n\nChannel 0: have that option if you want as a bit of a goal. I can be working towards that age for you. You're still really young. You've got a lot of time ahead of you before you get to that point.\n\nChannel 1: Yeah.\n\nChannel 0: But it's more just looking at the longevity side of things. Did you want me to work on that as a goal for you at the moment? It's very\n\nChannel 1: Yeah.\n\nChannel 0: fluid\n\nChannel 1: About\n\nChannel 0: and can\n\nChannel 1: 60\n\nChannel 0: definitely\n\nChannel 1: five.\n\nChannel 0: change. Yeah.\n\nChannel 1: Yeah. Sixty sixty five. Yep.\n\nChannel 0: Beautiful. I can do that. Not a problem at all. So I'll work on that sort of age frame there for you. So having a bit of active management in your portfolio is absolutely fine.\n\nWhen you are younger, we can take a bit more risk in the market to be trying to obtain those greater returns. So if you're comfortable, I've got a couple of different options that we might be able to swap that out with, and and some of those are actively managed funds. So I'm happy to look at that and update the advice and show you what that looks like. Is that okay with you, Amanda?\n\nChannel 1: Still. Yep.\n\nChannel 0: Yep. Beautiful. Everything else that's in here isn't doing too badly. Everything else is pretty well up. It's all doing quite nicely in your portfolio there.\n\nI can look at a couple of options where I maybe update you to a newer portfolio, and I can also just review swapping one or two options options out. Are you comfortable with me maybe reviewing all the different options and seeing what provides a greater benefit down the track?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Yep. Beautiful. Fantastic. We are very mindful of the tax consequences inside Super.\n\nSo I'll do all the research around that for you, and I'll come back with the updated statement of advice which shows you what I'm recommending, how and why, and what the tax consequences for your super are. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Beautiful. Because your tax your tax sorry. Your super fund, just like you, it does a tax return every year, so we wanna make sure that we're limiting the tax that your super fund has to account for. Okay.\n\nChannel 1: Fine.\n\nChannel 0: Oh, good. Not a problem at all. The other thing I wanted to sort of touch base on the insurance is so I can see here last year that we did have an exclusion removed, and we also had your smoker rates changed, which was fantastic. Cheaper premium now, which is good to see. In the event of something happening, your nearest life policy has a sum insured of 623,432, and you have the same amount of TPD cover linked to that.\n\nThinking about the level of cover you have with life and TPD, does that seem fairly sufficient for where you are? Did you wanna look at reviewing those amounts? Or\n\nChannel 1: No. That sounds good.\n\nChannel 0: that sounds okay? Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Excellent. And I've also got down here the monthly benefit for your income protection policy of 5,179 pretax because income protection is a taxable income. What's your income at the moment now that you're back at work? Has that changed since we last caught up with you at all?\n\nChannel 1: It has, actually. It's changed.\n\nChannel 0: Yep. I've got here 74,000 per annum.\n\nChannel 1: No. It's a lot more than that now.\n\nChannel 0: Oh,\n\nChannel 1: It's\n\nChannel 0: fantastic.\n\nChannel 1: 104\n\nChannel 0: A 104,000?\n\nChannel 1: 4, I'm pretty sure. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Oh,\n\nChannel 0: That's okay.\n\nChannel 1: I'm just trying to find the exact figure one set.\n\nChannel 0: Yeah. That's okay.\n\nChannel 1: Should be in here. I'm just trying to log in file.\n\nChannel 0: Yeah.\n\nChannel 1: Of course, it did. Everything's,\n\nChannel 0: Always\n\nChannel 1: like,\n\nChannel 0: the way.\n\nChannel 1: failing because I haven't done it on my desktop at work, but I have on my phone. So let me have a look what it should be on my last pay slip, surely.\n\nChannel 0: Sometimes they are. Yeah.\n\nChannel 1: Works. Hang on. Let's have\n\nChannel 0: That's\n\nChannel 1: a look.\n\nChannel 0: okay.\n\nChannel 1: Thanks a bit. My gross earnings of Fortnite is 4,006.88. A Fortnite.\n\nChannel 0: So 4,600?\n\nChannel 1: Fortnite. $4.00 $0.6.88.\n\nChannel 0: Zero zero six point eight eight. Not a problem at all. Let's\n\nChannel 1: Yeah.\n\nChannel 0: just\n\nChannel 1: It's not on my pay slip, which is weird. I wonder where it is. I remember seeing a letter about it. I don't know why I wanna please check if it's in the correct oh, the email\n\nChannel 0: And\n\nChannel 1: will\n\nChannel 0: so\n\nChannel 1: be different\n\nChannel 0: are you paid\n\nChannel 1: fortnightly.\n\nChannel 0: weekly, fortnightly? That's beautiful. So it's about 105,738 roughly.\n\nChannel 1: Yeah.\n\nChannel 0: So if we work on, say, a 105,000 and with income protection, you can be covered for up to 70% of your income, your gross income, essentially. It essentially shows here based on that, you're a little bit underinsured. So if I work that out as a monthly figure, the monthly amount you'd need is approximately 6,125. At the moment, the income protection monthly benefit growth is 5,001\n\nChannel 1: Yeah.\n\nChannel 0: 179. Now just so you're fully aware, if you were on an income protection claim, the income protection monthly benefit is also taxed the same as your income taxes, so you probably wouldn't receive that full amount. But do you think, say, between 4 to 5,000 on a monthly basis plus sorry, plus your partner's income, is that gonna cover most of your bills, or do you think you would wanna maybe increase that in line with that 70% to try and maximize the benefit as much as possible?\n\nChannel 1: Is it gonna cost me more to do that?\n\nChannel 0: It does it does increase the the benefit amount, the premium you are paying. Absolutely. If you wanted to because I'm not getting the advice. I could always look at what the cost is and maybe shoot you an email to have a look at what the cost is, and you can let me know what you'd like.\n\nChannel 1: Yeah. That's probably best. And\n\nChannel 0: Yeah.\n\nChannel 1: and that's basically income protect protections as if I can't work for whatever rate. It has to be are there stipulations on that? It has to be medical.\n\nChannel 0: Yes. Correct. Yeah. It doesn't cover unemployment. So, essentially, you would need to be off work due to illness or injury.\n\nChannel 1: Yep.\n\nChannel 0: So say if, you know, broke your back or have broke your leg and you couldn't go to work and do your job for, you've got a twenty eight day waiting period, so you have to be off work for that twenty eight days prior to making a claim. And then you can be on a claim for up to five years. So it's around medical injuries or illnesses that you are able to claim on. It\n\nChannel 1: Yeah.\n\nChannel 0: doesn't cover if you're just, you know, made redundant or if you resign from your role, unfortunately. Did you want me just to get a quote on what the increase might look like? And then you're you're welcome to let me know whether you wanna take on board the increase, and I can factor that into the advice, or if you're happy to keep it as is. Would that be something you'd like?\n\nChannel 1: Yeah. Yeah. That'd probably be the best way to go, and then I can assess it, probably.\n\nChannel 0: Yeah. Yeah. Absolutely. Not a problem. Well, I'll get a quote through for that for you, and I'll email it to you in the next couple of days.\n\nChannel 1: Mhmm.\n\nChannel 0: You can come back to me, and my colleague Michelle will be able to help me follow-up to see how you're going with that so we can kind of update\n\nChannel 1: Yep.\n\nChannel 0: the advice with the investment side of things for you. Okay? Perfect. And you said you're happy to keep the life and TPD as it is. No need to reassess that at the moment at all?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Beautiful. Just while we are talking about the insurance, there's a lot of things to sort of consider are your assets and liabilities. Can I just confirm that you're renting where you are at the moment?\n\nChannel 1: No. I bought that place.\n\nChannel 0: Oh, fantastic. It's a purchase. I just didn't have that noted here. What's the current value you'd place on your house?\n\nChannel 1: Well, I purchased it two and a bit years ago\n\nChannel 0: Okay.\n\nChannel 1: when I moved to Moffett, and I bought it at 04:18. I did get an appraisal done on about a year ago, and it was, like, 560 or something.\n\nChannel 0: Yeah. Wow. Fantastic. And what's the loan that you sort of have owing at the moment?\n\nChannel 1: 300 and I can tell you exactly. Just one sec.\n\nChannel 0: That's okay.\n\nChannel 1: So my mortgage is $378,596.38.\n\nChannel 0: Beautiful. Thank you so much for that. I've also got down here assets wise a caravan. Do you still have the caravan?\n\nChannel 1: Yeah. Still got the Caravan. Still got the four wheel drive. Yep.\n\nChannel 0: Oh, beautiful. And the four wheel drive, I don't have an a value on that one at the moment. What's the value would you put on that one?\n\nChannel 1: It's a Toyota Prado.\n\nChannel 0: Yep.\n\nChannel 1: I don't know.\n\nChannel 0: They\n\nChannel 1: Probably 20\n\nChannel 0: they hold it pretty well.\n\nChannel 1: thousand.\n\nChannel 0: Yep. Beautiful. Excellent. What year model is it?\n\nChannel 1: 8010.\n\nChannel 0: 2010. Beautiful. If you like, I could always have a look at what the average value is for those as well. I have access\n\nChannel 1: Yeah.\n\nChannel 0: to those sorts of things. Yep. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Do you have any loans on the Prado? Is that fully owned outright?\n\nChannel 1: No. No. Fully ironed out. Right? The only loan I've got is my mortgage.\n\nChannel 0: Yep.\n\nChannel 1: Money\n\nChannel 0: Perfect.\n\nChannel 1: money.\n\nChannel 0: Excellent.\n\nChannel 1: Yeah.\n\nChannel 0: Excellent. And do you have any other collections, any shares, or anything that you own in your own name or any investments?\n\nChannel 1: No.\n\nChannel 0: No. That's okay. Are you have you ever had a will drawn up, or have you spoken to a solicitor and ever had a power of attorney set in place at all?\n\nChannel 1: No. I don't. And\n\nChannel 0: No.\n\nChannel 1: I have been actually thinking about organizing that. Yeah.\n\nChannel 0: Okay.\n\nChannel 1: I need to do it. Now that I've got a\n\nChannel 0: Yeah.\n\nChannel 1: home and stuff, I think it's\n\nChannel 0: Absolutely.\n\nChannel 1: important to get it done.\n\nChannel 0: Yes. Having a having a child and how having a house, you've got a lot of assets that you've built behind you, and even the protection of your child. So one of the things that we have definitely seen in the past is where there's no will in place. Like, your beneficiaries cover your life insurance and your super, but everything outside of that needs to be directed through your will. It becomes an estate asset.\n\nAnd I have seen cases in the past where your partner doesn't inherit everything, unfortunately. It doesn't go to where you want it to be. Other family members can state their claim, and I have seen in the past where estates have been set distributed unevenly or have been provided to people who, you know, the person hasn't spoken to for years and years and years. So having a will is definitely important. If you like, a part of what we can provide is I can send an email through with some information on a local solicitor that we can refer you through to.\n\nIt's a bit of a talking point and has a bit of a a costing of how much they charge to drive a will and power of attorney. Would you like me to do that for you?\n\nChannel 1: Yes, please. Like, local\n\nChannel 0: Yep.\n\nChannel 1: as in local for me here.\n\nChannel 0: Well, it's it's local for us, but they do things over the phone as well.\n\nChannel 1: I'll do that? Okay. Cool.\n\nChannel 0: Yeah. Yep. It's just a bit of a talking point. And then if you do have a local solicitor, feel free to go and have a chat to them and see what they cost, see how they do things, and you can kinda decide how you wanna proceed there. But it's definitely something to make sure you do get done in the future.\n\nOkay?\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. Excellent. Everything else looks pretty straightforward. I've got your updated income, which is fantastic. With your super, I know that you are just getting back to work, and you've had a lot of changes in your life at the moment.\n\nAre you open to making any kind of additional contributions to super over and above your employer, or is it something you'd rather not be doing right now just with all the changes?\n\nChannel 1: No. I'd rather not do it right now. I'm still\n\nChannel 0: Yeah.\n\nChannel 1: trying to work a balance out. You know? I've only had one pay one full fortnight's pay since I've been back. So I'm still, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: working it out, if\n\nChannel 0: Yeah.\n\nChannel 1: you know\n\nChannel 0: Yeah.\n\nChannel 1: what I mean. I was\n\nChannel 0: Absolutely.\n\nChannel 1: off work for a fifth nearly fifteen months. So,\n\nChannel 0: Wow.\n\nChannel 1: you know, I to be able to do that, I did dip into a lot of my savings, and, you know, I pretty much got no savings left.\n\nChannel 0: Yeah.\n\nChannel 1: And, yeah, I'm just trying to, you know, get back on my feet, find out you\n\nChannel 0: Yeah.\n\nChannel 1: know, get comfortable. And then once I start getting my regular fortnight pay, then I can add because I was paying extra to my mortgage every fortnight and putting\n\nChannel 0: Yeah.\n\nChannel 1: heaps of money away, saving, and I haven't done that this fortnight because I'm still playing catch up. So, you know, once I get back on track and everything's, you know, flowing like it should, then I can assess that. You know?\n\nChannel 0: Yeah. Absolutely. Not a problem at all. If and when you decide that's you wanna look at, feel free to let me know. We can provide advice and talk about what your limits are, and provide\n\nChannel 1: Yep.\n\nChannel 0: personal advice to show you what that looks and how that can benefit you down the track.\n\nChannel 1: Yep.\n\nChannel 0: And it's also important to note as being an ongoing client as well there, Amanda, we're here as as full licensed advisers. We can assist you in other areas. If you need advice on cash flow and budgeting, if you wanna talk to a mortgage broker, things like that, investment advice in other areas, feel free to let me know. We're here to support you and help you to try and meet all of your goals. So it's not just\n\nChannel 1: Yes.\n\nChannel 0: the super insurances. If you have something that you wanna sort of talk to us a bit more about or receive some additional advice on, please let me know. I'm more than happy to assist you. Okay?\n\nChannel 1: Okay. Thank you. Yeah.\n\nChannel 0: That's okay. So the main sort of goals for the next sort of twelve months are just sort of working at your\n\nChannel 1: Yep.\n\nChannel 0: position, getting your savings back, making sure little man's all sorted, and trying to sort of pay down your mortgage. Is there anything else that I may have missed in in any of that? Or\n\nChannel 1: No. That's about it.\n\nChannel 0: No.\n\nChannel 1: Yeah. Just keep get back on track\n\nChannel 0: Yep.\n\nChannel 1: and\n\nChannel 0: Yeah.\n\nChannel 1: start building up a bit of a savings and yeah. And whatever\n\nChannel 0: Yeah.\n\nChannel 1: extra I can put on the mortgage is probably my priority. I've, you know,\n\nChannel 0: Yeah.\n\nChannel 1: I'd like to there's some goals I've set, like, personal goals\n\nChannel 0: Yeah.\n\nChannel 1: I've set myself as well and with things I I wanna do to the house and and whatnot. So, you know, I'm just working towards that little steps.\n\nChannel 0: Yeah. Absolutely. No. Perfect. Perfect.\n\nThe only other thing I've sort of been looking at is is how you're invested. So with your portfolio at the moment, you're in I'm just double checking with Hub twenty four. So sorry. It's a little bit slow. But with the way it is, you're in more of a growth portfolio.\n\nSo that generally sees about 90 sorry. About 80% of your super invested in growth assets. So thinking about things like Australian shares, international shares, listed property, and commodities. And then the other 20% in defense is the lower risk investors like cash, bonds, and fixed interest. Are you feeling fairly happy with where that might fit?\n\nDid you wanna look at or talk about maybe increasing the risk levels or decreasing? How do you sort of feel about your super in the market and what we've gone through so far?\n\nChannel 1: Well, I mean, it feels it seems to be doing okay the way that it is,\n\nChannel 0: Yeah.\n\nChannel 1: especially the last twelve months because I haven't really contributed a whole lot to it, and it's still\n\nChannel 0: Still\n\nChannel 1: grew,\n\nChannel 0: going up.\n\nChannel 1: I guess.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: So it seems to be, you know, tracking along quite\n\nChannel 0: Yeah.\n\nChannel 1: well, actually.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: So I don't I don't yeah. I don't know,\n\nChannel 0: No.\n\nChannel 1: to\n\nChannel 0: That's\n\nChannel 1: be honest.\n\nChannel 0: okay. As we've been sort of talking and I've been asking a lot of questions, I've been sort of filling out the risk profile question as we go. The last of the two questions are more asking about how you feel if markets take a bit of a dip. So with what you're probably hearing and seeing in the news at the moment, there has been a lot of ups and downs that the the market has seen. If you're super like, it's seen a great 12% return over the last twelve months.\n\nBut if you saw a dip, which it can and there will be these sorts of dips in the future, if you saw it fall by, say, 10 or 20 or 30%, how do you think you might be feeling?\n\nChannel 1: Nobody likes to lose\n\nChannel 0: No. No.\n\nChannel 1: money. You know? It'll be a bit disappointing to lose. That's why I'm\n\nChannel 0: Yep.\n\nChannel 1: not a huge risk taker, to be\n\nChannel 0: Yep.\n\nChannel 1: honest.\n\nChannel 0: Yeah. Yeah. That's\n\nChannel 1: But,\n\nChannel 0: okay.\n\nChannel 1: you know,\n\nChannel 0: Not a problem.\n\nChannel 1: there's there's never any guarantees in in doing what you do, you know, with chairs and and all of that. Like, I mean, it's way above my\n\nChannel 0: Yeah.\n\nChannel 1: expertise. I don't really understand it a lot of the time. So I just, like, I I put my trust in you guys because you know what you're doing\n\nChannel 0: Beautiful.\n\nChannel 1: and hope that you make the right decisions for me. You know?\n\nChannel 0: Yeah. Absolutely. Well, one of the things I do kind of like about my job is the educational value. So whilst we do see events like what we have in the past around COVID and the GSB, where the markets do take a bit of a dip, and you kinda we can't control what is gonna happen. A lot of what's happening in the market is just human beings making irrational emotional decisions.\n\nThey're selling investments because they've heard something in the news. It's quite concerning to them. But with your super, because of where you are, because of how long you have until the age of 60, you have that time to withstand those ups and downs. So when you see a big 10 or 20 or 30% drop in your super, we want you to stay invested through those downtimes. And the investments that we invest you in have been through those downtimes.\n\nWe pick investments that have seen the COVID dip, that have seen the GST, that have seen those sorts of downtimes, have gone through those big dips, and have come out and recovered from that. That way, you're not taking on crazy amounts of risk and investing in speculative. It's about making sure those investments have gone through those those market ups and downs and have withstood that and come out on top and still grown from that. And that's what we like to invest you in. When you see your super take a bit of a dip like that, let's say it was to drop by a 12% or even a 20% dip there, because you're not selling anything, you're not you're not actually selling out of those investments, you haven't cemented any of the losses.\n\nThey're what we call paper losses, which means that the the value of the investment is there because of what's occurring. But if you don't sell any of those investments, it can allow the portfolio to come back and recover. With this growth portfolio with that eighty twenty split, we normally like you to have about a six year time horizon. So you don't wanna access that money for at least six years. Anything beyond that, you know, so anything shorter than that time frame to say you wanted to retire in the next four years and you were in your sort of, you know, fifties or early sixties, I probably wouldn't wanna see you in this sort of environment would be sort of falling back on your risk level.\n\nSo the way we kind of like to invest, we start by taking a bit more risk now. And then as you get closer to accessing your super, as you get closer to retirement age, we'll start to draw back on that risk level and have you in more of a lower risk portfolio. Does that make sense?\n\nChannel 1: Yeah. Yeah. I do.\n\nChannel 0: Yeah. Yeah. Beautiful. So we'll sort of talk and get to know where you are. And as you get closer and closer, we can start to reduce the risk levels.\n\nBut if you're hearing anything that's concerning you, you're welcome to pick the phone or send us an email and say, hey. I need to have a chat. I just wanna talk through what I'm hearing or understanding because I'm more than happy to make that time for you as well. Okay?\n\nChannel 1: Okay. Yep.\n\nChannel 0: Perfect. Now having a look at where you are and the sort of what we've gone through, that growth environment still suits your time horizon and your risk capacity. Are you happy if I keep that $80.20 split with your super at the moment whilst it's working really well for you, and we can always keep to review that down the track?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. Beautiful. And moving forward, would you like us to do catch ups every three months, six months, or just twelve months? What sort of works in with your life, Amanda? What would you like to see?\n\nChannel 1: Twelve months is good. Yeah. Annual is\n\nChannel 0: Twelve\n\nChannel 1: good.\n\nChannel 0: months. Yep.\n\nChannel 1: Yeah. If\n\nChannel 0: Beautiful.\n\nChannel 1: there's anything\n\nChannel 0: Not a problem.\n\nChannel 1: in, you know, in between that, I like you said, I can always pick up the phone or email\n\nChannel 0: Absolutely.\n\nChannel 1: you if I've got a question or concerns or just wanna run some a thought. Buyers, well, I'll just do that, you know,\n\nChannel 0: Yep.\n\nChannel 1: in between.\n\nChannel 0: Yeah. Absolutely. That's not a problem at all. So the last sort of thing to let you know is we'll send out your annual review pack to you. It does have your ongoing service agreement in there for the next twelve months.\n\nI know you've probably gone through this a few times in the past there. The ongoing service agreement is a percentage phase fee that we charge for our services. It is 1.65% per annum, and it is deducted from your super in smaller monthly increments there. That's\n\nChannel 1: Yep.\n\nChannel 0: what our service is making sure we're looking after your super the insurance aspect, but it's also about making sure we're here to service any other goals that you need and, you know, look at whatever else is happening in your life there as well. Do you have any questions about how the ongoing service agreement works or the fee structure or anything like that?\n\nChannel 1: No. No. So\n\nChannel 0: No?\n\nChannel 1: good.\n\nChannel 0: That's okay. All good. I've also added in there for you the financial services guide, which outlines everything about who we are, what we do, how we do it. It has all the services that we're able to provide there as well, and it has a lovely picture of myself as a licensed adviser. It's got all the information in there.\n\nI'm registered to ask, and my license number is also noted in there for you as well. Okay?\n\nChannel 1: Okay. Thank you.\n\nChannel 0: It's that's okay. We'll also add all the reports that we've got here giving you showing you your current certificate, current needs to the insurances, the rate of return that we've gone through with regards to your portfolio report there. And we've\n\nChannel 1: Mhmm.\n\nChannel 0: also got just a loss super search, and we also do a a tax file consent form. So we like to make sure you're aware of the personal information that we do hold. We do hold your tax file number, so we wanna make sure you're aware of that. So we do have that consent form attached to this DocuSign for you as well. Okay.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Beautiful. My colleague will send all that information out to you shortly. Once you get that email, if you could sign and return that for us. In the meantime, I'll go back and look at the the investments. So did the investments switch for you, and I'll get an I'll get an updated quote to increase your to, sorry, get increase your income protection\n\nChannel 1: Income.\n\nChannel 0: policy,\n\nChannel 1: Yep.\n\nChannel 0: and I'll email that through to you. Sorry. Sorry. I had a mind blank there.\n\nChannel 1: No. That's okay.\n\nChannel 0: And I'll email that through to you in a couple of days so you can have a look at that, and we can look at and talk about how to move forward. Does that sound okay?\n\nChannel 1: That's perfect. Thank you.\n\nChannel 0: Yep. That's okay. I'll let you go because I do know you are set for time and about to go into a meeting.\n\nChannel 1: Yeah. Mayday.\n\nChannel 0: But\n\nChannel 1: Yeah.\n\nChannel 0: if it's anything in the meantime, Amanda, please let me know. It's been an absolute pleasure to get to know you. Looking forward to helping you meet your goals moving forward.\n\nChannel 1: Thank you, and you have a good day.\n\nChannel 0: I will. You too. Thank you so much for your time. See you later.\n\nChannel 1: See you later. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.36,"end":1.86,"sentiment":"neutral","sentiment_score":0.03085550293326378}],"sentiment":"neutral","sentiment_score":0.03085550293326378,"channel":1,"num_words":1,"start":1.36,"end":1.86},{"sentences":[{"text":"Hi, Amanda.","start":2.56,"end":3.28,"sentiment":"neutral","sentiment_score":0.12990020960569382},{"text":"This is Dana from Okey Financial.","start":3.28,"end":5.04,"sentiment":"neutral","sentiment_score":0.17564921329418817},{"text":"How are you today?","start":5.04,"end":6.1,"sentiment":"neutral","sentiment_score":0.22986871749162674}],"sentiment":"neutral","sentiment_score":0.18609754741191864,"channel":0,"num_words":12,"start":2.56,"end":6.1},{"sentences":[{"text":"I'm good.","start":6.3999996,"end":6.96,"sentiment":"positive","sentiment_score":0.5281779170036316},{"text":"Thanks.","start":6.96,"end":7.2799997,"sentiment":"positive","sentiment_score":0.6084872484207153},{"text":"How are you?","start":7.2799997,"end":8.1,"sentiment":"positive","sentiment_score":0.3958645264307658}],"sentiment":"positive","sentiment_score":0.47540611028671265,"channel":1,"num_words":6,"start":6.3999996,"end":8.1},{"sentences":[{"text":"I'm very well.","start":8.4,"end":9.2,"sentiment":"positive","sentiment_score":0.5532952149709066},{"text":"Thank you.","start":9.2,"end":9.5199995,"sentiment":"positive","sentiment_score":0.6374585628509521},{"text":"Thanks for asking.","start":9.5199995,"end":10.32,"sentiment":"positive","sentiment_score":0.6049406131108602},{"text":"I had you booked in this afternoon just to go through your annual review.","start":10.32,"end":13.12,"sentiment":"neutral","sentiment_score":0.22459652168410166},{"text":"Is now still a good time there for you?","start":13.12,"end":15.059999,"sentiment":"neutral","sentiment_score":0.22296153671211666}],"sentiment":"neutral","sentiment_score":0.31937515303011865,"channel":0,"num_words":31,"start":8.4,"end":15.059999},{"sentences":[{"text":"Yes.","start":15.075,"end":15.554999,"sentiment":"neutral","sentiment_score":0.11808807402849196},{"text":"Yep.","start":15.554999,"end":16.055,"sentiment":"neutral","sentiment_score":0.1144283413887024}],"sentiment":"neutral","sentiment_score":0.11625820770859718,"channel":1,"num_words":2,"start":15.075,"end":16.055},{"sentences":[{"text":"Yeah.","start":16.865,"end":17.185,"sentiment":"neutral","sentiment_score":0.16067808866500854},{"text":"That's okay.","start":17.185,"end":17.904999,"sentiment":"neutral","sentiment_score":0.3135908246040344},{"text":"All good.","start":17.904999,"end":18.645,"sentiment":"positive","sentiment_score":0.44983482360839844},{"text":"Before we jump into the call there, Amanda, just to let you know, we do record our calls for quality and training purposes.","start":19.105,"end":23.664999,"sentiment":"neutral","sentiment_score":0.1056101354567901},{"text":"Are you happy for me to proceed with that?","start":23.664999,"end":25.685,"sentiment":"neutral","sentiment_score":0.15769471062554252}],"sentiment":"neutral","sentiment_score":0.149616618816917,"channel":0,"num_words":37,"start":16.865,"end":25.685},{"sentences":[{"text":"Yes.","start":26.355,"end":26.855,"sentiment":"neutral","sentiment_score":0.11382867395877838}],"sentiment":"neutral","sentiment_score":0.11382867395877838,"channel":1,"num_words":1,"start":26.355,"end":26.855},{"sentences":[{"text":"Yep.","start":27.28,"end":27.52,"sentiment":"neutral","sentiment_score":0.16132692992687225},{"text":"Lovely.","start":27.52,"end":28.0,"sentiment":"neutral","sentiment_score":0.31494301557540894},{"text":"And we're doing security as well just because we are discussing your personal information.","start":28.0,"end":31.300001,"sentiment":"neutral","sentiment_score":0.19021774615560258},{"text":"I just need to confirm your full name, your date of birth, and address I should have on file.","start":31.52,"end":35.38,"sentiment":"neutral","sentiment_score":0.11669344651071649}],"sentiment":"neutral","sentiment_score":0.153042682153838,"channel":0,"num_words":35,"start":27.28,"end":35.38},{"sentences":[{"text":"Alright.","start":36.04,"end":36.54,"sentiment":"neutral","sentiment_score":0.07713760435581207},{"text":"Yep.","start":37.079998,"end":37.48,"sentiment":"neutral","sentiment_score":0.053828805685043335},{"text":"Full name Amanda Moreno.","start":37.48,"end":39.26,"sentiment":"neutral","sentiment_score":0.05637388862669468}],"sentiment":"neutral","sentiment_score":0.05941032742460569,"channel":1,"num_words":6,"start":36.04,"end":39.26},{"sentences":[{"text":"Yep.","start":39.774998,"end":40.274998,"sentiment":"neutral","sentiment_score":0.04363616555929184}],"sentiment":"neutral","sentiment_score":0.04363616555929184,"channel":0,"num_words":1,"start":39.774998,"end":40.274998},{"sentences":[{"text":"Date of birth, the date of birth, the date of birth, thirty first eighty one.","start":40.28,"end":42.94,"sentiment":"neutral","sentiment_score":0.05563802445928256}],"sentiment":"neutral","sentiment_score":0.05563802445928256,"channel":1,"num_words":15,"start":40.28,"end":42.94},{"sentences":[{"text":"Yep.","start":43.135,"end":43.635,"sentiment":"neutral","sentiment_score":0.03630174696445465}],"sentiment":"neutral","sentiment_score":0.03630174696445465,"channel":0,"num_words":1,"start":43.135,"end":43.635},{"sentences":[{"text":"And address should be 5 Moffett Place, Tarkula Beach, WA","start":44.135002,"end":48.315002,"sentiment":"neutral","sentiment_score":0.048463234677910805}],"sentiment":"neutral","sentiment_score":0.048463234677910805,"channel":1,"num_words":10,"start":44.135002,"end":48.315002},{"sentences":[{"text":"Beautiful.","start":47.855,"end":48.355,"sentiment":"neutral","sentiment_score":0.1247449666261673}],"sentiment":"neutral","sentiment_score":0.1247449666261673,"channel":0,"num_words":1,"start":47.855,"end":48.355},{"sentences":[{"text":"6","start":48.375,"end":48.695,"sentiment":"neutral","sentiment_score":0.0626121535897255}],"sentiment":"neutral","sentiment_score":0.0626121535897255,"channel":1,"num_words":1,"start":48.375,"end":48.695},{"sentences":[{"text":"Thank","start":48.414997,"end":48.914997,"sentiment":"neutral","sentiment_score":0.21112284064292908}],"sentiment":"neutral","sentiment_score":0.21112284064292908,"channel":0,"num_words":1,"start":48.414997,"end":48.914997},{"sentences":[{"text":"530.","start":48.695,"end":49.755,"sentiment":"neutral","sentiment_score":0.1693560928106308}],"sentiment":"neutral","sentiment_score":0.1693560928106308,"channel":1,"num_words":1,"start":48.695,"end":49.755},{"sentences":[{"text":"thank you so much for that.","start":50.015,"end":51.550003,"sentiment":"positive","sentiment_score":0.45851223667462665},{"text":"Still any morning where you're located there?","start":51.550003,"end":53.47,"sentiment":"neutral","sentiment_score":0.12420426096235003},{"text":"How's your day been so far?","start":53.47,"end":55.010002,"sentiment":"neutral","sentiment_score":0.09001649046937625}],"sentiment":"neutral","sentiment_score":0.21897906261055092,"channel":0,"num_words":19,"start":50.015,"end":55.010002},{"sentences":[{"text":"Yeah.","start":55.735,"end":56.055,"sentiment":"neutral","sentiment_score":0.08992431312799454},{"text":"I'm just at work.","start":56.055,"end":57.015,"sentiment":"neutral","sentiment_score":0.05711555574089289},{"text":"I've got a meeting in half now, but, yeah, we're we're good, you guys.","start":57.015,"end":61.190002,"sentiment":"neutral","sentiment_score":0.1794914145554815}],"sentiment":"neutral","sentiment_score":0.14901401788780563,"channel":1,"num_words":19,"start":55.735,"end":61.190002},{"sentences":[{"text":"Wow.","start":60.99,"end":61.49,"sentiment":"neutral","sentiment_score":0.045221611857414246},{"text":"No.","start":61.63,"end":61.870003,"sentiment":"neutral","sentiment_score":-0.027357883751392365},{"text":"That's okay.","start":61.870003,"end":62.670002,"sentiment":"neutral","sentiment_score":-0.001329791732132434},{"text":"This normally does take about sort of thirty minutes to run through depending on what we have to go through.","start":62.670002,"end":67.295,"sentiment":"neutral","sentiment_score":0.007077916152775287},{"text":"Is now still okay?","start":67.59499,"end":68.875,"sentiment":"neutral","sentiment_score":0.03606431372463703}],"sentiment":"neutral","sentiment_score":0.010750704378421818,"channel":0,"num_words":28,"start":60.99,"end":68.875},{"sentences":[{"text":"If not, I'm happy to reschedule.","start":68.875,"end":70.314995,"sentiment":"neutral","sentiment_score":0.011947836726903915},{"text":"And I do work late in the afternoon, so I can even do it sort of before or after work if it suits you better.","start":70.314995,"end":75.354996,"sentiment":"neutral","sentiment_score":0.11646440327167511},{"text":"Is now","start":75.354996,"end":75.755,"sentiment":"neutral","sentiment_score":0.04931475967168808}],"sentiment":"neutral","sentiment_score":0.09339171580292961,"channel":0,"num_words":33,"start":68.875,"end":75.755},{"sentences":[{"text":"I","start":75.665,"end":75.905,"sentiment":"neutral","sentiment_score":0.04745388403534889}],"sentiment":"neutral","sentiment_score":0.04745388403534889,"channel":1,"num_words":1,"start":75.665,"end":75.905},{"sentences":[{"text":"still","start":75.755,"end":75.994995,"sentiment":"neutral","sentiment_score":0.044743698090314865}],"sentiment":"neutral","sentiment_score":0.044743698090314865,"channel":0,"num_words":1,"start":75.755,"end":75.994995},{"sentences":[{"text":"think","start":75.905,"end":76.225,"sentiment":"neutral","sentiment_score":0.04990918189287186}],"sentiment":"neutral","sentiment_score":0.04990918189287186,"channel":1,"num_words":1,"start":75.905,"end":76.225},{"sentences":[{"text":"okay?","start":75.994995,"end":76.494995,"sentiment":"neutral","sentiment_score":0.08074551075696945}],"sentiment":"neutral","sentiment_score":0.08074551075696945,"channel":0,"num_words":1,"start":75.994995,"end":76.494995},{"sentences":[{"text":"it's actually better now, to be honest.","start":76.225,"end":78.145,"sentiment":"neutral","sentiment_score":0.09861568467957633},{"text":"I've got a baby when I get home and he had he demands my attention from the mom when I walk in the door.","start":78.145,"end":85.765,"sentiment":"neutral","sentiment_score":0.01723557272149871}],"sentiment":"neutral","sentiment_score":0.03561172703461301,"channel":1,"num_words":31,"start":76.225,"end":85.765},{"sentences":[{"text":"Yeah.","start":85.60999,"end":86.10999,"sentiment":"neutral","sentiment_score":0.042101290076971054},{"text":"Yeah.","start":86.329994,"end":86.829994,"sentiment":"neutral","sentiment_score":0.03794076293706894},{"text":"As they do.","start":86.89,"end":87.689995,"sentiment":"neutral","sentiment_score":0.03852999769151211},{"text":"Not a problem at all.","start":87.689995,"end":88.96999,"sentiment":"neutral","sentiment_score":0.12287352085113526},{"text":"Well, I'll try to run through things, sorry, as quickly as I can.","start":88.96999,"end":92.645,"sentiment":"neutral","sentiment_score":0.038825553483687915}],"sentiment":"neutral","sentiment_score":0.05716225415792154,"channel":0,"num_words":23,"start":85.60999,"end":92.645},{"sentences":[{"text":"As we go through the annual review there, is there anything important that you wanted to ask me or anything you wanted me to touch on as part of this for you?","start":92.645,"end":99.225,"sentiment":"neutral","sentiment_score":0.05669509549625218}],"sentiment":"neutral","sentiment_score":0.05669509549625218,"channel":0,"num_words":32,"start":92.645,"end":99.225},{"sentences":[{"text":"No.","start":100.575,"end":100.975,"sentiment":"neutral","sentiment_score":-0.012502020224928856},{"text":"So the only 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up.","start":636.51,"end":638.11005,"sentiment":"positive","sentiment_score":0.4491221110026042},{"text":"It's all doing quite nicely in your portfolio there.","start":638.11005,"end":640.59,"sentiment":"positive","sentiment_score":0.5756385193930732}],"sentiment":"positive","sentiment_score":0.40586264030291486,"channel":0,"num_words":26,"start":632.27,"end":640.59},{"sentences":[{"text":"I can look at a couple of options where I maybe update you to a newer portfolio, and I can also just review swapping one or two options options out.","start":640.59,"end":648.425,"sentiment":"neutral","sentiment_score":0.25409199446439745},{"text":"Are you comfortable with me maybe reviewing all the different options and seeing what provides a greater benefit down the 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rates changed, which was fantastic.","start":689.39996,"end":699.81995,"sentiment":"neutral","sentiment_score":0.12231994525362284},{"text":"Cheaper premium now, which is good to see.","start":701.07996,"end":703.485,"sentiment":"positive","sentiment_score":0.3748562317341566},{"text":"In the event of something happening, your nearest life policy has a sum insured of 623,432, and you have the same amount of TPD cover linked to that.","start":703.96497,"end":715.58496,"sentiment":"neutral","sentiment_score":0.06048796645232609}],"sentiment":"neutral","sentiment_score":0.1395468554209645,"channel":0,"num_words":82,"start":687.275,"end":715.58496},{"sentences":[{"text":"Thinking about the level of cover you have with life and TPD, does that seem fairly sufficient for where you are?","start":715.725,"end":721.30005,"sentiment":"neutral","sentiment_score":0.038137030033838185},{"text":"Did you wanna look at reviewing those amounts?","start":721.30005,"end":723.30005,"sentiment":"neutral","sentiment_score":0.0012268986320123076},{"text":"Or","start":723.30005,"end":723.80005,"sentiment":"neutral","sentiment_score":-0.006384262815117836}],"sentiment":"neutral","sentiment_score":0.026810285231719414,"channel":0,"num_words":30,"start":715.725,"end":723.80005},{"sentences":[{"text":"No.","start":723.67004,"end":723.99,"sentiment":"neutral","sentiment_score":-0.04418512061238289},{"text":"That sounds good.","start":723.99,"end":725.05005,"sentiment":"neutral","sentiment_score":0.12933248778184256}],"sentiment":"neutral","sentiment_score":0.08595308568328619,"channel":1,"num_words":4,"start":723.67004,"end":725.05005},{"sentences":[{"text":"that sounds 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work?","start":740.01495,"end":742.975,"sentiment":"neutral","sentiment_score":0.013320090714842081},{"text":"Has that changed since we last caught up with you at all?","start":742.975,"end":745.89,"sentiment":"neutral","sentiment_score":0.010133393264065186}],"sentiment":"neutral","sentiment_score":0.058396393851358065,"channel":0,"num_words":49,"start":728.26,"end":745.89},{"sentences":[{"text":"It has, actually.","start":746.91,"end":748.61,"sentiment":"neutral","sentiment_score":0.024895893409848213},{"text":"It's changed.","start":749.23,"end":750.29,"sentiment":"neutral","sentiment_score":0.03291779384016991}],"sentiment":"neutral","sentiment_score":0.02810465358197689,"channel":1,"num_words":5,"start":746.91,"end":750.29},{"sentences":[{"text":"Yep.","start":749.81,"end":750.31,"sentiment":"neutral","sentiment_score":0.042401812970638275},{"text":"I've got here 74,000 per 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liabilities.","start":1047.5851,"end":1052.245,"sentiment":"neutral","sentiment_score":0.05354270034215667},{"text":"Can I just confirm that you're renting where you are at the moment?","start":1052.7051,"end":1055.525,"sentiment":"neutral","sentiment_score":0.028757820478998698}],"sentiment":"neutral","sentiment_score":0.057665186204217574,"channel":0,"num_words":37,"start":1046.4651,"end":1055.525},{"sentences":[{"text":"No.","start":1056.285,"end":1056.525,"sentiment":"neutral","sentiment_score":-0.026433462277054787},{"text":"I bought that place.","start":1056.525,"end":1058.0651,"sentiment":"neutral","sentiment_score":-0.007129162084311247}],"sentiment":"neutral","sentiment_score":-0.010990022122859955,"channel":1,"num_words":5,"start":1056.285,"end":1058.0651},{"sentences":[{"text":"Oh, fantastic.","start":1058.64,"end":1059.4601,"sentiment":"positive","sentiment_score":0.4622146487236023},{"text":"It's a 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I don't have an a value on that one at the moment.","start":1130.565,"end":1133.88,"sentiment":"neutral","sentiment_score":-0.07860990821876947},{"text":"What's the value would you put on that one?","start":1133.88,"end":1135.82,"sentiment":"neutral","sentiment_score":-0.024297133915954165}],"sentiment":"neutral","sentiment_score":-0.045094173068978956,"channel":0,"num_words":28,"start":1129.6849,"end":1135.82},{"sentences":[{"text":"It's a Toyota Prado.","start":1135.91,"end":1137.53,"sentiment":"neutral","sentiment_score":0.0019010808318853378}],"sentiment":"neutral","sentiment_score":0.0019010808318853378,"channel":1,"num_words":4,"start":1135.91,"end":1137.53},{"sentences":[{"text":"Yep.","start":1138.36,"end":1138.86,"sentiment":"neutral","sentiment_score":0.016012731939554214}],"sentiment":"neutral","sentiment_score":0.016012731939554214,"channel":0,"num_words":1,"start":1138.36,"end":1138.86},{"sentences":[{"text":"I don't 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and yeah.","start":1430.48,"end":1434.66,"sentiment":"neutral","sentiment_score":0.3195815756917},{"text":"And whatever","start":1434.7201,"end":1435.62,"sentiment":"neutral","sentiment_score":0.09240690991282463}],"sentiment":"neutral","sentiment_score":0.28171913139522076,"channel":1,"num_words":12,"start":1430.48,"end":1435.62},{"sentences":[{"text":"Yeah.","start":1435.25,"end":1435.75,"sentiment":"neutral","sentiment_score":0.12432429939508438}],"sentiment":"neutral","sentiment_score":0.12432429939508438,"channel":0,"num_words":1,"start":1435.25,"end":1435.75},{"sentences":[{"text":"extra I can put on the mortgage is probably my priority.","start":1435.68,"end":1439.04,"sentiment":"neutral","sentiment_score":0.23218679969960992},{"text":"I've, you 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of your super invested in growth assets.","start":1481.42,"end":1484.14,"sentiment":"neutral","sentiment_score":0.1227451500793298},{"text":"So thinking about things like Australian shares, international shares, listed property, and commodities.","start":1484.14,"end":1488.96,"sentiment":"neutral","sentiment_score":0.11297426716639446},{"text":"And then the other 20% in defense is the lower risk investors like cash, bonds, and fixed interest.","start":1489.74,"end":1495.365,"sentiment":"neutral","sentiment_score":0.1474682175450855},{"text":"Are you feeling fairly happy with where that might fit?","start":1496.0651,"end":1499.105,"sentiment":"neutral","sentiment_score":0.2857547327876091}],"sentiment":"neutral","sentiment_score":0.15178721077870905,"channel":0,"num_words":57,"start":1478.86,"end":1499.105},{"sentences":[{"text":"Did you wanna look at or talk about maybe increasing the risk levels or decreasing?","start":1499.105,"end":1503.445,"sentiment":"neutral","sentiment_score":0.05349744806687037},{"text":"How do you sort of feel about your super in the market and what we've gone through so far?","start":1503.505,"end":1507.445,"sentiment":"neutral","sentiment_score":0.12501894270903186}],"sentiment":"neutral","sentiment_score":0.09346534213160768,"channel":0,"num_words":34,"start":1499.105,"end":1507.445},{"sentences":[{"text":"Well, I mean, it feels it seems to be doing okay the way that it 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downs and have withstood that and come out on top and still grown from that.","start":1669.69,"end":1678.25,"sentiment":"neutral","sentiment_score":0.2533079819946453},{"text":"And that's what we like to invest you in.","start":1678.25,"end":1680.43,"sentiment":"neutral","sentiment_score":0.3321475949552324},{"text":"When you see your super take a bit of a dip like that, let's say it was to drop by a 12% or even a 20% dip there, because you're not selling anything, you're not you're not actually selling out of those investments, you haven't cemented any of the losses.","start":1681.585,"end":1695.6499,"sentiment":"neutral","sentiment_score":-0.09241793520748615}],"sentiment":"neutral","sentiment_score":0.039162092282178464,"channel":0,"num_words":137,"start":1654.745,"end":1695.6499},{"sentences":[{"text":"They're what we call paper losses, which means that the the value of the investment is there because of what's 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levels.","start":1756.58,"end":1760.66,"sentiment":"neutral","sentiment_score":0.23116382459799448}],"sentiment":"neutral","sentiment_score":0.20463557789723077,"channel":0,"num_words":30,"start":1751.86,"end":1760.66},{"sentences":[{"text":"But if you're hearing anything that's concerning you, you're welcome to pick the phone or send us an email and say, hey.","start":1760.66,"end":1765.355,"sentiment":"neutral","sentiment_score":0.2655029571191831},{"text":"I need to have a chat.","start":1765.355,"end":1766.635,"sentiment":"neutral","sentiment_score":0.290686696767807},{"text":"I just wanna talk through what I'm hearing or understanding because I'm more than happy to make that time for you as 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all.","start":1824.195,"end":1825.975,"sentiment":"neutral","sentiment_score":0.29218584299087524},{"text":"So the last sort of thing to let you know is we'll send out your annual review pack to you.","start":1826.4349,"end":1830.15,"sentiment":"neutral","sentiment_score":0.20409944243729114},{"text":"It does have your ongoing service agreement in there for the next twelve months.","start":1830.15,"end":1833.75,"sentiment":"neutral","sentiment_score":0.11943711287208966}],"sentiment":"neutral","sentiment_score":0.18720734119415283,"channel":0,"num_words":42,"start":1822.2749,"end":1833.75},{"sentences":[{"text":"I know you've probably gone through this a few times in the past there.","start":1833.75,"end":1836.7301,"sentiment":"neutral","sentiment_score":0.041433394753507206},{"text":"The ongoing service agreement is a percentage phase fee that we charge for our services.","start":1837.03,"end":1841.53,"sentiment":"neutral","sentiment_score":0.07237457757194837},{"text":"It is 1.65% per annum, and it is deducted from your super in smaller monthly increments there.","start":1841.5901,"end":1847.9551,"sentiment":"neutral","sentiment_score":0.0985467692508417},{"text":"That's","start":1848.415,"end":1848.655,"sentiment":"neutral","sentiment_score":0.1214250773191452}],"sentiment":"neutral","sentiment_score":0.07366822010025065,"channel":0,"num_words":47,"start":1833.75,"end":1848.655},{"sentences":[{"text":"Yep.","start":1848.4349,"end":1848.9349,"sentiment":"neutral","sentiment_score":0.14867213368415833}],"sentiment":"neutral","sentiment_score":0.14867213368415833,"channel":1,"num_words":1,"start":1848.4349,"end":1848.9349},{"sentences":[{"text":"what our service is making sure we're looking after your super the insurance aspect, but it's also about making sure we're here to service any other goals that you need and, you know, look at whatever else is happening in your life there as 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sign and return that for us.","start":1923.5,"end":1926.385,"sentiment":"neutral","sentiment_score":0.20448038620608194},{"text":"In the meantime, I'll go back and look at the the investments.","start":1926.385,"end":1929.905,"sentiment":"neutral","sentiment_score":0.08842483224968116},{"text":"So did the investments switch for you, and I'll get an I'll get an updated quote to increase your to, sorry, get increase your income 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okay.","start":1954.955,"end":1955.515,"sentiment":"neutral","sentiment_score":0.1860658824443817},{"text":"I'll let you go because I do know you are set for time and about to go into a meeting.","start":1955.515,"end":1959.375,"sentiment":"neutral","sentiment_score":0.1614046148955822}],"sentiment":"neutral","sentiment_score":0.16438984287821728,"channel":0,"num_words":23,"start":1954.395,"end":1959.375},{"sentences":[{"text":"Yeah.","start":1959.3049,"end":1959.625,"sentiment":"neutral","sentiment_score":0.07172410935163498},{"text":"Mayday.","start":1959.625,"end":1960.0249,"sentiment":"neutral","sentiment_score":0.05575599893927574}],"sentiment":"neutral","sentiment_score":0.06374005414545536,"channel":1,"num_words":2,"start":1959.3049,"end":1960.0249},{"sentences":[{"text":"But","start":1959.9149,"end":1960.075,"sentiment":"neutral","sentiment_score":0.049399565905332565}],"sentiment":"neutral","sentiment_score":0.049399565905332565,"channel":0,"num_words":1,"start":1959.9149,"end":1960.075},{"sentences":[{"text":"Yeah.","start":1960.0249,"end":1960.5249,"sentiment":"neutral","sentiment_score":0.06707549095153809}],"sentiment":"neutral","sentiment_score":0.06707549095153809,"channel":1,"num_words":1,"start":1960.0249,"end":1960.5249},{"sentences":[{"text":"if it's anything in the meantime, Amanda, please let me know.","start":1960.075,"end":1963.4349,"sentiment":"neutral","sentiment_score":0.1508566943759268},{"text":"It's been an absolute pleasure to get to know you.","start":1963.4349,"end":1965.595,"sentiment":"positive","sentiment_score":0.8802401602268219},{"text":"Looking forward to helping you meet your goals moving forward.","start":1965.595,"end":1968.255,"sentiment":"positive","sentiment_score":0.8418182909488678}],"sentiment":"positive","sentiment_score":0.609032520964261,"channel":0,"num_words":31,"start":1960.075,"end":1968.255},{"sentences":[{"text":"Thank you, and you have a good day.","start":1968.69,"end":1970.6428,"sentiment":"positive","sentiment_score":0.8273483663797379}],"sentiment":"positive","sentiment_score":0.8273483663797379,"channel":1,"num_words":8,"start":1968.69,"end":1970.6428},{"sentences":[{"text":"I will.","start":1971.48,"end":1971.96,"sentiment":"positive","sentiment_score":0.5914058685302734},{"text":"You too.","start":1971.96,"end":1972.44,"sentiment":"positive","sentiment_score":0.4570336788892746},{"text":"Thank you so much for your time.","start":1972.44,"end":1974.04,"sentiment":"positive","sentiment_score":0.7959317905562264},{"text":"See you later.","start":1974.04,"end":1974.86,"sentiment":"positive","sentiment_score":0.5733253955841064}],"sentiment":"positive","sentiment_score":0.6705984153917858,"channel":0,"num_words":14,"start":1971.48,"end":1974.86},{"sentences":[{"text":"See you later.","start":1975.2828,"end":1976.0028,"sentiment":"positive","sentiment_score":0.3598468104998271},{"text":"Bye.","start":1976.0028,"end":1976.5028,"sentiment":"neutral","sentiment_score":0.23319360613822937}],"sentiment":"neutral","sentiment_score":0.32818350940942764,"channel":1,"num_words":4,"start":1975.2828,"end":1976.5028},{"sentences":[{"text":"Bye.","start":1976.76,"end":1977.26,"sentiment":"neutral","sentiment_score":-0.12806729972362518}],"sentiment":"neutral","sentiment_score":-0.12806729972362518,"channel":0,"num_words":1,"start":1976.76,"end":1977.26}]},"summary":{"result":"success","short":"During a call with Okey Financial, the agent updates Amanda's life insurance policy and discusses options for managing her investment portfolio. They also discuss the impact of a recent change in her life and her income protection policy. The agent emphasizes the importance of working on credit and building savings for home and retirement savings. The agent offers to update Amanda's age and suggests reviewing her options for maximum benefits. They also discuss the importance of retirement goals and reducing risk levels while staying invested. The agent emphasizes the importance of working on credit and building savings for home and retirement savings."},"intents":{"segments":[{"text":"I had you booked in this afternoon just to go through your annual review. Is now still a good time there for you? Yes. Yep. Yeah.","start_word":27,"end_word":52,"intents":[{"intent":"Confirm time","confidence_score":0.0007933288},{"intent":"Confirm booking","confidence_score":0.02569341}]},{"text":"And we're doing security as well just because we are discussing your personal information. I just need to confirm your full name, your date of birth, and address I should have on file. Alright.","start_word":92,"end_word":125,"intents":[{"intent":"Discuss personal information","confidence_score":0.2843333}]},{"text":"No. That's okay. This normally does take about sort of thirty minutes to run through depending on what we have to go through. Is now still okay? If not, I'm happy to reschedule. And I do work late in the afternoon, so I can even do it sort of before or after work if it suits you better.","start_word":201,"end_word":258,"intents":[{"intent":"Reschedule meeting","confidence_score":0.13296731}]},{"text":"It does look like on your nearest insurance policy, we don't have a beneficiary nomination, so I wanted to make sure we update that for you as well. Are you wanting Daniel to be your nomination on your life insurance policy as well? Yeah.","start_word":660,"end_word":703,"intents":[{"intent":"Update insurance policy","confidence_score":0.52845496}]},{"text":"So I've got here Daniel Peter Bloomfield as your spouse. Can I describe his date of birth just so I'm confirming everything correctly?","start_word":731,"end_word":753,"intents":[{"intent":"Confirm details","confidence_score":0.004385111}]},{"text":"You've got a lot going on with a small child there, so it's very easy for these to things get it to done. get You know? missed. Yeah. Yeah. And I've noticed that Yeah. now that I've returned back to work. Everything's a bit hectic. It is. It's amazing how much it changes your life, isn't it? Yeah.","start_word":1208,"end_word":1265,"intents":[{"intent":"Ensure clarity","confidence_score":0.0018532472}]},{"text":"I have noted with even though you've got a great return for the year, there has been some investments or one of your underlying investments has sort of been underperforming a little bit in here.","start_word":1395,"end_word":1429,"intents":[{"intent":"Resolve investment issues","confidence_score":0.0054170424}]},{"text":"You wanna keep it a bit active? Yep.","start_word":1782,"end_word":1789,"intents":[{"intent":"Keep active","confidence_score":0.17420816}]},{"text":"What's the what's the going age normally? About 60, 65?","start_word":1848,"end_word":1857,"intents":[{"intent":"Identify target age","confidence_score":0.0013110177}]},{"text":"Did you want me to work on that as a goal for you at the moment?","start_word":1929,"end_word":1944,"intents":[{"intent":"Work on goal","confidence_score":0.2488222}]},{"text":"Everything else that's in here isn't doing too badly. Everything else is pretty well up. It's all doing quite nicely in your portfolio there. I can look at a couple of options where I maybe update you to a newer portfolio, and I can also just review swapping one or two options options out. Are you comfortable with me maybe reviewing all the different options and seeing what provides a greater benefit down the track?","start_word":2077,"end_word":2151,"intents":[{"intent":"Update portfolio","confidence_score":0.17298587}]},{"text":"I can look at a couple of options where I maybe update you to a newer portfolio, and I can also just review swapping one or two options options out. Are you comfortable with me maybe reviewing all the different options and seeing what provides a greater benefit down the track?","start_word":2101,"end_word":2151,"intents":[{"intent":"Review options","confidence_score":0.7515137}]},{"text":"Because your tax your tax sorry. Your super fund, just like you, it does a tax return every year, so we wanna make sure that we're limiting the tax that your super fund has to account for. Okay.","start_word":2212,"end_word":2249,"intents":[{"intent":"Clarify policy requirements","confidence_score":0.00022665864}]},{"text":"So let me have a look what it should be on my last pay slip, surely. Sometimes they are.","start_word":2508,"end_word":2526,"intents":[{"intent":"Check pay slip and consider increased benefits","confidence_score":9.6995116e-8}]},{"text":"Is it gonna cost me more to do that? It does it does increase the the benefit amount, the premium you are paying. Absolutely. If you wanted to because I'm not getting the advice. I could always look at what the cost is and maybe shoot you an email to have a look at what the cost is, and you can let me know what you'd like. Yeah.","start_word":2781,"end_word":2848,"intents":[{"intent":"Determine cost and discuss options","confidence_score":0.00066650397}]},{"text":"Did you want me just to get a quote on what the increase might look like?","start_word":2999,"end_word":3014,"intents":[{"intent":"Get quote for increase","confidence_score":0.0470883},{"intent":"Assist with obtaining a quote","confidence_score":0.000006014255}]},{"text":"That'd probably be the best way to go, and then I can assess it, probably. Yeah.","start_word":3057,"end_word":3072,"intents":[{"intent":"Assess income and responsibilities","confidence_score":0.00045664218},{"intent":"Determine future investment options","confidence_score":0.000032113905}]},{"text":"And what's the loan that you sort of have owing at the moment?","start_word":3275,"end_word":3287,"intents":[{"intent":"Address debts","confidence_score":0.00010211444}]},{"text":"And I have seen cases in the past where your partner doesn't inherit everything, unfortunately. It doesn't go to where you want it to be. Other family members can state their claim, and I have seen in the past where estates have been set distributed unevenly or have been provided to people who, you know, the person hasn't spoken to for years and years and years.","start_word":3628,"end_word":3693,"intents":[{"intent":"Set inheritance guidelines","confidence_score":0.0000028928314}]},{"text":"trying to work a balance out. You know?","start_word":3950,"end_word":3957,"intents":[{"intent":"Work balance out","confidence_score":0.2367799}]},{"text":"trying to work a balance out. You know? I've only had one pay one full fortnight's pay since I've been back. So I'm still, yeah, Yeah. working it out, if Yeah.","start_word":3950,"end_word":3980,"intents":[{"intent":"Check financial status","confidence_score":0.0073374575}]},{"text":"So, you know, once I get back on track and everything's, you know, flowing like it should, then I can assess that. You know? Yeah.","start_word":4094,"end_word":4118,"intents":[{"intent":"Assess financial situation","confidence_score":0.27969196}]},{"text":"We can provide advice and talk about what your limits are, and provide Yep. personal advice to show you what that looks and how that can benefit you down the track.","start_word":4141,"end_word":4171,"intents":[{"intent":"Receive advice","confidence_score":0.027797122}]},{"text":"We can provide advice and talk about what your limits are, and provide Yep. personal advice to show you what that looks and how that can benefit you down the track. Yep.","start_word":4141,"end_word":4172,"intents":[{"intent":"Provide advice","confidence_score":0.4440683}]},{"text":"So the main sort of goals for the next sort of twelve months are just sort of working at your Yep. position, getting your savings back, making sure little man's all sorted, and trying to sort of pay down your mortgage.","start_word":4298,"end_word":4338,"intents":[{"intent":"Plan financial goals","confidence_score":0.013623149}]},{"text":"If you're super like, it's seen a great 12% return over the last twelve months. But if you saw a dip, which it can and there will be these sorts of dips in the future, if you saw it fall by, say, 10 or 20 or 30%, how do you think you might be feeling?","start_word":4734,"end_word":4788,"intents":[{"intent":"Evaluate market volatility","confidence_score":0.09766851}]},{"text":"So when you see a big 10 or 20 or 30% drop in your super, we want you to stay invested through those downtimes. And the investments that we invest you in have been through those downtimes.","start_word":5017,"end_word":5053,"intents":[{"intent":"Address investments and portfolios","confidence_score":0.00018879231}]},{"text":"And as you get closer and closer, we can start to reduce the risk levels. But if you're hearing anything that's concerning you, you're welcome to pick the phone or send us an email and say, hey. I need to have a chat. I just wanna talk through what I'm hearing or understanding because I'm more than happy to make that time for you as well. Okay? Okay.","start_word":5398,"end_word":5465,"intents":[{"intent":"Offer assistance","confidence_score":0.102772914}]},{"text":"But if you're hearing anything that's concerning you, you're welcome to pick the phone or send us an email and say, hey. I need to have a chat. I just wanna talk through what I'm hearing or understanding because I'm more than happy to make that time for you as well. Okay? Okay.","start_word":5412,"end_word":5464,"intents":[{"intent":"Offer discussion","confidence_score":0.00015554143},{"intent":"Request phone call","confidence_score":0.00059592293}]},{"text":"Are you happy if I keep that $80.20 split with your super at the moment whilst it's working really well for you, and we can always keep to review that down the track? Yeah. Yep.","start_word":5495,"end_word":5529,"intents":[{"intent":"State willingness to keep balance","confidence_score":7.3179656e-8}]},{"text":"And moving forward, would you like us to do catch ups every three months, six months, or just twelve months?","start_word":5532,"end_word":5551,"intents":[{"intent":"Inquire about catch ups","confidence_score":0.0530032},{"intent":"Inquire about monthly review","confidence_score":0.02527892},{"intent":"Propose future steps","confidence_score":4.3740616e-7}]},{"text":"And moving forward, would you like us to do catch ups every three months, six months, or just twelve months? What sort of works in with your life, Amanda? What would you like to see?","start_word":5532,"end_word":5566,"intents":[{"intent":"Obtain information","confidence_score":0.00030061463}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Amanda. This is Dana from Okey Financial. How are you today?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.16623139381408691},{"text":"I'm good. Thanks. How are you? I'm very well. Thank you. Thanks for asking.","start_word":13,"end_word":26,"sentiment":"positive","sentiment_score":0.5396941900253296},{"text":"I had you booked in this afternoon just to go through your annual review. Is now still a good time there for you? Yes. Yep. Yeah. That's okay.","start_word":27,"end_word":54,"sentiment":"neutral","sentiment_score":0.2150557637214661},{"text":"All good.","start_word":55,"end_word":56,"sentiment":"positive","sentiment_score":0.4381706416606903},{"text":"Before we jump into the call there, Amanda, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yes. Yep. Lovely. And we're doing security as well just because we are discussing your personal information. I just need to confirm your full name, your date of birth, and address I should have on file. Alright. Yep. Full name Amanda Moreno. Yep. Date of birth, the date of birth, the date of birth, thirty first eighty one. Yep. And address should be 5 Moffett Place, Tarkula Beach, WA Beautiful. 6 Thank 530.","start_word":57,"end_word":161,"sentiment":"neutral","sentiment_score":0.10750491172075272},{"text":"thank you so much for that.","start_word":162,"end_word":167,"sentiment":"positive","sentiment_score":0.4550093412399292},{"text":"Still any morning where you're located there? How's your day been so far? Yeah. I'm just at work. I've got a meeting in half now, but, yeah, we're we're good, you guys. Wow. No. That's okay. This normally does take about sort of thirty minutes to run through depending on what we have to go through. Is now still okay? If not, I'm happy to reschedule. And I do work late in the afternoon, so I can even do it sort of before or after work if it suits you better. Is now I still think okay? it's actually better now, to be honest. I've got a baby when I get home and he had he demands my attention from the mom when I walk in the door. Yeah. Yeah. As they do. Not a problem at all. Well, I'll try to run through things, sorry, as quickly as I can. As we go through the annual review there, is there anything important that you wanted to ask me or anything you wanted me to touch on as part of this for you? No. So the only thing Beautiful. is I'm I'm back at work now, three weeks in. Yep. So, yes, this year will obviously be a bit better with my Howard contributions yeah. to my sofa than the previous year. Yep. Yeah. No.","start_word":168,"end_word":392,"sentiment":"neutral","sentiment_score":0.07974709868431092},{"text":"Fantastic. Excellent. I had a bit of a look here, so I can see you have been off on maternity leave, which is great. You're back to work now.","start_word":393,"end_word":421,"sentiment":"positive","sentiment_score":0.5173428058624268},{"text":"With with looking at that now I'll just before I jump into everything, just run through your super and have a bit of a look at it all. So lastly, when we did your annual review in 2025, you bounced about a 140 Yes. $5,308.10. In the last twelve months, you have seen, even with not having many contributions going in, at 12.2% net return.","start_word":422,"end_word":486,"sentiment":"neutral","sentiment_score":0.2491244226694107},{"text":"So you still have seen a good return out of your super debt, which is good to see. Yeah.","start_word":487,"end_word":505,"sentiment":"positive","sentiment_score":0.6374343037605286},{"text":"And your balance as of the April 21, so today's date, is about 156,000 sorry, 619.","start_word":506,"end_word":521,"sentiment":"neutral","sentiment_score":0.29455143213272095},{"text":"So you have seen a good increase even even with no additional contributions going in while you've been on maternity leave. So it is a positive thing to see.","start_word":522,"end_word":550,"sentiment":"positive","sentiment_score":0.574230968952179},{"text":"Yep. I had a bit of a look now with your contribute sorry. With your super there as well, we do have it noted you've got a beneficiary on here. I believe it's your partner. Yep. Daniel Bloomfield. That's the one. Yep.","start_word":551,"end_word":592,"sentiment":"neutral","sentiment_score":0.081043541431427},{"text":"Perfect. So you're happy for Daniel to be your nomination on there for your super?","start_word":593,"end_word":607,"sentiment":"positive","sentiment_score":0.3661674559116363},{"text":"Yeah. Yeah. He's the father Yep. of my children.","start_word":608,"end_word":616,"sentiment":"neutral","sentiment_score":0.07168667018413544},{"text":"So Beautiful. Lovely.","start_word":617,"end_word":619,"sentiment":"positive","sentiment_score":0.40561366081237793},{"text":"anything And never happens to me, he he yeah. yeah. He can look after the kids with with that. Yeah. Perfect. Perfect. We certainly hope nothing does. However, Yep. it is always good to make sure that is updated there. It does look like on your nearest insurance policy, we don't have a beneficiary nomination, so I wanted to make sure we update that for you as well. Are you wanting Daniel to be your nomination on your life insurance policy as well? Yeah. Yeah. Yeah.","start_word":620,"end_word":705,"sentiment":"neutral","sentiment_score":0.06905028969049454},{"text":"Beautiful. Are you happy for us to pre fill that nomination with all his information to make it easier on you?","start_word":706,"end_word":726,"sentiment":"positive","sentiment_score":0.38559322413944064},{"text":"Yes, please. Yep.","start_word":727,"end_word":729,"sentiment":"neutral","sentiment_score":0.2274314761161804},{"text":"Fantastic.","start_word":730,"end_word":730,"sentiment":"positive","sentiment_score":0.6576391458511353},{"text":"So I've got here Daniel Peter Bloomfield as your spouse. Can I describe his date of birth just so I'm confirming everything correctly? 1971. 1971. Fantastic. Yes. That's And he Daniel Peter Blamfield. yep.","start_word":731,"end_word":764,"sentiment":"neutral","sentiment_score":0.1805959790945053},{"text":"Beautiful.","start_word":765,"end_word":765,"sentiment":"positive","sentiment_score":0.48833420872688293},{"text":"And he lives at the same address as yourself. Just double checking That's that correct. one with you.","start_word":766,"end_word":783,"sentiment":"neutral","sentiment_score":0.15850983560085297},{"text":"Excellent.","start_word":784,"end_word":784,"sentiment":"positive","sentiment_score":0.46303433179855347},{"text":"Yep. Yep. You just never know. Yeah. Yeah. No. That's okay.","start_word":785,"end_word":795,"sentiment":"neutral","sentiment_score":0.1916634887456894},{"text":"Lovely. And you're happy for him to be a 100% nomination. Is that right?","start_word":796,"end_word":809,"sentiment":"positive","sentiment_score":0.5821265578269958},{"text":"Yeah. Yep. Yep.","start_word":810,"end_word":812,"sentiment":"neutral","sentiment_score":0.1917658895254135},{"text":"Lovely.","start_word":813,"end_word":813,"sentiment":"positive","sentiment_score":0.39039650559425354},{"text":"Now on your you've also got a binding non lapsing nomination. That essentially means that you've found the trustee to follow that direction, and non lapsing means that you don't have to keep filling these forms out. It stays applied until you alter or change your nomination. Are you happy for your super nomination to be the same way so you don't have to fill the format every couple of years? Yeah. Yeah. Yeah. And if there's any change, I can do it manually type thing. You know? Yeah. Absolutely. Well, when we do these reviews every year, we'll go through and just reconfirm it. So if anything does change, we can help you to pick it up and help you to alter the forms when they be. Okay? Yep.","start_word":814,"end_word":943,"sentiment":"neutral","sentiment_score":0.15722133219242096},{"text":"Fantastic.","start_word":944,"end_word":944,"sentiment":"positive","sentiment_score":0.3354746699333191},{"text":"So if everything's going really well, I'll get my colleague Michelle. She's my admin team member. She's gonna organize, pre fill the form, and we'll have it sent out to you. Is it easier to email or post? What's more preferable for yourself? We can do both if you like. Email is absolutely fine. Email.","start_word":945,"end_word":999,"sentiment":"neutral","sentiment_score":0.17181451618671417},{"text":"Perfect.","start_word":1000,"end_word":1000,"sentiment":"positive","sentiment_score":0.3732703924179077},{"text":"Not a problem at all. She's doing this up as we speak, so we'll have it all set out to you to be signed. And, Witness, if you do find you have any troubles, Amanda, please let us know. Okay? Yep. So how do I sign electronically? No. It has to be manually wet signed, unfortunately. So it just needs to be printed, signed, and the document does normally need to be witnessed as well. So if you just got two friends that can sort of or two people that you know that can just help you witness your your signature on the document, they can witness it and sign it, and then you can send it straight back to us. The only thing is a witness just can't be the person you're nominating as the beneficiary. So just not your staff if possible. Okay. Okay? Yeah. Yep. Okay. No worries. Yeah.","start_word":1001,"end_word":1152,"sentiment":"neutral","sentiment_score":0.036563900152319355},{"text":"Perfect.","start_word":1153,"end_word":1153,"sentiment":"positive","sentiment_score":0.351334810256958},{"text":"Yep.","start_word":1154,"end_word":1154,"sentiment":"neutral","sentiment_score":0.21080282330513},{"text":"Excellent. I might Thank get you.","start_word":1155,"end_word":1160,"sentiment":"positive","sentiment_score":0.4499867558479309},{"text":"you to I might get you to post it to me as well then. Yeah. Absolutely. We'll pop Just it in in the post case as I, well. you know, forget to do it or whatever. If I've got a hard copy, that'll that'll remind me Absolutely. You've got a lot going on with a small child there, so it's very easy for these to things get it to done. get You know? missed. Yeah. Yeah. And I've noticed that Yeah. now that I've returned back to work. Everything's a bit hectic. It is. It's amazing how much it changes your life, isn't it? Yeah. That's Oh, true. beauti yeah. And you sorry. You mentioned you had a little boy. Yes. Yep. So Oh, a little boy named beautiful. Bodhi. Oh, gorgeous. Do you spell it b o d I e? No. Oh, B o d h I. beautiful.","start_word":1161,"end_word":1309,"sentiment":"neutral","sentiment_score":0.0877503827214241},{"text":"Lovely. Fantastic. Yeah. It's changed your life in so many ways. It's so much fun at the same time.","start_word":1310,"end_word":1328,"sentiment":"positive","sentiment_score":0.6945473551750183},{"text":"Yeah. That's true. Yeah.","start_word":1329,"end_word":1332,"sentiment":"neutral","sentiment_score":0.22467491030693057},{"text":"Oh, beautiful. I hope you enjoy everything. We'll make sure we are catching up.","start_word":1333,"end_word":1346,"sentiment":"positive","sentiment_score":0.4392450451850891},{"text":"So sorry. Thank you. Yeah. No. It's all good. All good. Now I am very mindful that you've limited time today, so I'll touch on the things that I do need to touch on. I have also just had a bit of a look at your super now. I have noted with even though you've got a great return for the year, there has been some investments or one of your underlying investments has sort of been underperforming a little bit in here. So we've actually got your Ben along Australian Equities. That one there, the investment itself has had some underlying issues, which has made it sort of underperforming your super there. What I sort of wanted to do is to touch on this to maybe go back and review that investment option. We've Mhmm. got a couple of other options out there that haven't been underperforming as much as this one, and maybe swap that one out. Are you comfortable with me just updating the advice and maybe changing the investment around for you? Yes. Yes, please. Yeah. Yep.","start_word":1347,"end_word":1527,"sentiment":"neutral","sentiment_score":-0.06892532365427491},{"text":"Beautiful.","start_word":1528,"end_word":1528,"sentiment":"positive","sentiment_score":0.3410041332244873},{"text":"We wanna get rid of anything that's underperforming and make sure That's your sleep right. is working harder for you. Excellent. Yeah. We do have a couple of options that we can look at. The idea of having Ben along in your portfolio was it was meant to be more of an actively managed component. So the investment manager within Van Along is meant to be actively managing the the funds and trying to sort of buy and sell or take investments where they see good quality growth. The idea there is that they're trying to outperform against the market. Generally, when you have these sorts of actively managed investment managers, they you do pay a little bit more to have that component in there. Did you want me to keep looking at active managers to maybe swap that out with, or you have if we maybe look at something like a passive manager? Because the difference there is that passive managers are just looking to track a certain index. They're participating in the market and making sure that they're invested in line with with the industries that they are tracking. It can also be a little bit cheaper in the way of investing as well. Did you wanna look at something a bit cheaper, a bit more passive, or are you happy to try and have that active management in there and have a manager that's trying to outperform the market? What would you like to see? Probably inactive. Yeah. Yeah. You wanna keep it a bit active? Yep.","start_word":1529,"end_word":1788,"sentiment":"neutral","sentiment_score":0.04291758170494667},{"text":"That's Yeah. absolutely fine.","start_word":1789,"end_word":1792,"sentiment":"positive","sentiment_score":0.4269686937332154},{"text":"Yeah. Not a problem. So with who your agent stage, just looking at your last goals there as well, what age are you sort of hoping you'd like to be able to maybe stop working and retire in the future? Well, if if we even let it, we'll let you know. Tomorrow. I don't know. What's the what's the going age normally? About 60, 65? Yeah. At the moment, the earliest you can access super if you retire is age 60. So you Yeah. have that option if you want as a bit of a goal. I can be working towards that age for you. You're still really young. You've got a lot of time ahead of you before you get to that point. Yeah. But it's more just looking at the longevity side of things. Did you want me to work on that as a goal for you at the moment? It's very Yeah. fluid About and can 60 definitely five. change. Yeah. Yeah. Sixty sixty five. Yep.","start_word":1793,"end_word":1961,"sentiment":"neutral","sentiment_score":0.03655604645609856},{"text":"Beautiful. I can do that.","start_word":1962,"end_word":1966,"sentiment":"positive","sentiment_score":0.4874556064605713},{"text":"Not a problem at all. So I'll work on that sort of age frame there for you.","start_word":1967,"end_word":1983,"sentiment":"neutral","sentiment_score":0.24927261471748352},{"text":"So having a bit of active management in your portfolio is absolutely fine.","start_word":1984,"end_word":1996,"sentiment":"positive","sentiment_score":0.37460029125213623},{"text":"When you are younger, we can take a bit more risk in the market to be trying to obtain those greater returns. So if you're comfortable, I've got a couple of different options that we might be able to swap that out with, and and some of those are actively managed funds.","start_word":1997,"end_word":2048,"sentiment":"neutral","sentiment_score":0.21251247823238373},{"text":"So I'm happy to look at that and update the advice and show you what that looks like.","start_word":2049,"end_word":2066,"sentiment":"positive","sentiment_score":0.5125143527984619},{"text":"Is that okay with you, Amanda? Still. Yep. Yep.","start_word":2067,"end_word":2075,"sentiment":"neutral","sentiment_score":0.13894133269786835},{"text":"Beautiful.","start_word":2076,"end_word":2076,"sentiment":"positive","sentiment_score":0.49605369567871094},{"text":"Everything else that's in here isn't doing too badly.","start_word":2077,"end_word":2085,"sentiment":"neutral","sentiment_score":0.20301641523838043},{"text":"Everything else is pretty well up. It's all doing quite nicely in your portfolio there.","start_word":2086,"end_word":2100,"sentiment":"positive","sentiment_score":0.5267482399940491},{"text":"I can look at a couple of options where I maybe update you to a newer portfolio, and I can also just review swapping one or two options options out. Are you comfortable with me maybe reviewing all the different options and seeing what provides a greater benefit down the track? Yeah. Yep. Yep.","start_word":2101,"end_word":2154,"sentiment":"neutral","sentiment_score":0.2578650348716312},{"text":"Beautiful. Fantastic.","start_word":2155,"end_word":2156,"sentiment":"positive","sentiment_score":0.7705779671669006},{"text":"We are very mindful of the tax consequences inside Super. So I'll do all the research around that for you, and I'll come back with the updated statement of advice which shows you what I'm recommending, how and why, and what the tax consequences for your super are. Does that make sense? Yep. Yeah.","start_word":2157,"end_word":2210,"sentiment":"neutral","sentiment_score":0.22079552710056305},{"text":"Beautiful.","start_word":2211,"end_word":2211,"sentiment":"positive","sentiment_score":0.5353874564170837},{"text":"Because your tax your tax sorry. Your super fund, just like you, it does a tax return every year, so we wanna make sure that we're limiting the tax that your super fund has to account for. Okay. Fine. Oh, good. Not a problem at all. The other thing I wanted to sort of touch base on the insurance is so I can see here last year that we did have an exclusion removed, and we also had your smoker rates changed, which was fantastic.","start_word":2212,"end_word":2296,"sentiment":"neutral","sentiment_score":0.15793932974338531},{"text":"Cheaper premium now, which is good to see.","start_word":2297,"end_word":2304,"sentiment":"positive","sentiment_score":0.3641709387302398},{"text":"In the event of something happening, your nearest life policy has a sum insured of 623,432, and you have the same amount of TPD cover linked to that. Thinking about the level of cover you have with life and TPD, does that seem fairly sufficient for where you are? Did you wanna look at reviewing those amounts? Or No. That sounds good. that sounds okay? Beautiful. Yep.","start_word":2305,"end_word":2371,"sentiment":"neutral","sentiment_score":0.059468723833560944},{"text":"Excellent.","start_word":2372,"end_word":2372,"sentiment":"positive","sentiment_score":0.34119170904159546},{"text":"And I've also got down here the monthly benefit for your income protection policy of 5,179 pretax because income protection is a taxable income. What's your income at the moment now that you're back at work? Has that changed since we last caught up with you at all? It has, actually. It's changed. Yep. I've got here 74,000 per annum. No. It's a lot more than that now. Oh, It's fantastic. 104 A 104,000? 4, I'm pretty sure. Yeah. Yep. Oh, That's okay. I'm just trying to find the exact figure one set. Yeah. That's okay. Should be in here. I'm just trying to log in file. Yeah. Of course, it did. Everything's, Always like, the way. failing because I haven't done it on my desktop at work, but I have on my phone. So let me have a look what it should be on my last pay slip, surely. Sometimes they are. Yeah. Works. Hang on. Let's have That's a look. okay.","start_word":2373,"end_word":2535,"sentiment":"neutral","sentiment_score":0.03276856260179925},{"text":"Thanks a bit.","start_word":2536,"end_word":2538,"sentiment":"positive","sentiment_score":0.38620883226394653},{"text":"My gross earnings of Fortnite is 4,006.88. A Fortnite. So 4,600? Fortnite. $4.00 $0.6.88. Zero zero six point eight eight. Not a problem at all. Let's Yeah. just It's not on my pay slip, which is weird. I wonder where it is. I remember seeing a letter about it. I don't know why I wanna please check if it's in the correct oh, the email And will so be different are you paid fortnightly. weekly, fortnightly?","start_word":2539,"end_word":2614,"sentiment":"neutral","sentiment_score":-0.031068963930010796},{"text":"That's beautiful.","start_word":2615,"end_word":2616,"sentiment":"positive","sentiment_score":0.5983624458312988},{"text":"So it's about 105,738 roughly. Yeah. So if we work on, say, a 105,000 and with income protection, you can be covered for up to 70% of your income, your gross income, essentially. It essentially shows here based on that, you're a little bit underinsured. So if I work that out as a monthly figure, the monthly amount you'd need is approximately 6,125. At the moment, the income protection monthly benefit growth is 5,001 Yeah. 179. Now just so you're fully aware, if you were on an income protection claim, the income protection monthly benefit is also taxed the same as your income taxes, so you probably wouldn't receive that full amount. But do you think, say, between 4 to 5,000 on a monthly basis plus sorry, plus your partner's income, is that gonna cover most of your bills, or do you think you would wanna maybe increase that in line with that 70% to try and maximize the benefit as much as possible? Is it gonna cost me more to do that? It does it does increase the the benefit amount, the premium you are paying. Absolutely. If you wanted to because I'm not getting the advice. I could always look at what the cost is and maybe shoot you an email to have a look at what the cost is, and you can let me know what you'd like. Yeah. That's probably best. And Yeah. and that's basically income protect protections as if I can't work for whatever rate. It has to be are there stipulations on that? It has to be medical. Yes. Correct. Yeah. It doesn't cover unemployment. So, essentially, you would need to be off work due to illness or injury. Yep. So say if, you know, broke your back or have broke your leg and you couldn't go to work and do your job for, you've got a twenty eight day waiting period, so you have to be off work for that twenty eight days prior to making a claim. And then you can be on a claim for up to five years. So it's around medical injuries or illnesses that you are able to claim on. It Yeah. doesn't cover if you're just, you know, made redundant or if you resign from your role, unfortunately. Did you want me just to get a quote on what the increase might look like? And then you're you're welcome to let me know whether you wanna take on board the increase, and I can factor that into the advice, or if you're happy to keep it as is. Would that be something you'd like? Yeah. Yeah. That'd probably be the best way to go, and then I can assess it, probably. Yeah. Yeah. Absolutely. Not a problem. Well, I'll get a quote through for that for you, and I'll email it to you in the next couple of days. Mhmm. You can come back to me, and my colleague Michelle will be able to help me follow-up to see how you're going with that so we can kind of update Yep. the advice with the investment side of things for you. Okay?","start_word":2617,"end_word":3142,"sentiment":"neutral","sentiment_score":0.020449722070643543},{"text":"Perfect. And you said you're happy to keep the life and TPD as it is.","start_word":3143,"end_word":3157,"sentiment":"positive","sentiment_score":0.4146192669868469},{"text":"No need to reassess that at the moment at all? Yep. Yeah.","start_word":3158,"end_word":3169,"sentiment":"neutral","sentiment_score":0.08448190987110138},{"text":"Beautiful.","start_word":3170,"end_word":3170,"sentiment":"positive","sentiment_score":0.3640812635421753},{"text":"Just while we are talking about the insurance, there's a lot of things to sort of consider are your assets and liabilities. Can I just confirm that you're renting where you are at the moment? No. I bought that place.","start_word":3171,"end_word":3210,"sentiment":"neutral","sentiment_score":0.03503546118736267},{"text":"Oh, fantastic.","start_word":3211,"end_word":3212,"sentiment":"positive","sentiment_score":0.4622146487236023},{"text":"It's a purchase. I just didn't have that noted here. What's the current value you'd place on your house? Well, I purchased it two and a bit years ago Okay. when I moved to Moffett, and I bought it at 04:18. I did get an appraisal done on about a year ago, and it was, like, 560 or something. Yeah.","start_word":3213,"end_word":3272,"sentiment":"neutral","sentiment_score":-0.008648339565843344},{"text":"Wow. Fantastic.","start_word":3273,"end_word":3274,"sentiment":"positive","sentiment_score":0.5261157751083374},{"text":"And what's the loan that you sort of have owing at the moment? 300 and I can tell you exactly. Just one sec. That's okay. So my mortgage is $378,596.38.","start_word":3275,"end_word":3304,"sentiment":"neutral","sentiment_score":0.06912533938884735},{"text":"Beautiful. Thank you so much for that.","start_word":3305,"end_word":3311,"sentiment":"positive","sentiment_score":0.6664988994598389},{"text":"I've also got down here assets wise a caravan. Do you still have the caravan? Yeah. Still got the Caravan. Still got the four wheel drive. Yep. Oh, beautiful. And the four wheel drive, I don't have an a value on that one at the moment. What's the value would you put on that one? It's a Toyota Prado. Yep. I don't know. They Probably 20 they hold it pretty well. thousand. Yep. Beautiful. Excellent. What year model is it? 8010. 2010. Beautiful. If you like, I could always have a look at what the average value is for those as well. I have access Yeah. to those sorts of things. Yep. Beautiful. Yep. Do you have any loans on the Prado? Is that fully owned outright? No. No. Fully ironed out. Right? The only loan I've got is my mortgage. Yep. Money Perfect. money. Excellent. Yeah. Excellent. And do you have any other collections, any shares, or anything that you own in your own name or any investments? No. No. That's okay. Are you have you ever had a will drawn up, or have you spoken to a solicitor and ever had a power of attorney set in place at all? No. I don't. And No. I have been actually thinking about organizing that. Yeah. Okay. I need to do it. Now that I've got a Yeah. home and stuff, I think it's Absolutely. important to get it done. Yes. Having a having a child and how having a house, you've got a lot of assets that you've built behind you, and even the protection of your child. So one of the things that we have definitely seen in the past is where there's no will in place. Like, your beneficiaries cover your life insurance and your super, but everything outside of that needs to be directed through your will. It becomes an estate asset. And I have seen cases in the past where your partner doesn't inherit everything, unfortunately. It doesn't go to where you want it to be. Other family members can state their claim, and I have seen in the past where estates have been set distributed unevenly or have been provided to people who, you know, the person hasn't spoken to for years and years and years. So having a will is definitely important. If you like, a part of what we can provide is I can send an email through with some information on a local solicitor that we can refer you through to. It's a bit of a talking point and has a bit of a a costing of how much they charge to drive a will and power of attorney. Would you like me to do that for you? Yes, please. Like, local Yep. as in local for me here. Well, it's it's local for us, but they do things over the phone as well. I'll do that? Okay. Cool. Yeah. Yep. It's just a bit of a talking point. And then if you do have a local solicitor, feel free to go and have a chat to them and see what they cost, see how they do things, and you can kinda decide how you wanna proceed there. But it's definitely something to make sure you do get done in the future. Okay? Yeah.","start_word":3312,"end_word":3864,"sentiment":"neutral","sentiment_score":0.019882108948814932},{"text":"Beautiful. Excellent. Everything else looks pretty straightforward. I've got your updated income, which is fantastic.","start_word":3865,"end_word":3879,"sentiment":"positive","sentiment_score":0.6491026878356934},{"text":"With your super, I know that you are just getting back to work, and you've had a lot of changes in your life at the moment. Are you open to making any kind of additional contributions to super over and above your employer, or is it something you'd rather not be doing right now just with all the changes?","start_word":3880,"end_word":3938,"sentiment":"neutral","sentiment_score":0.11394327878952026},{"text":"No. I'd rather not do it right now.","start_word":3939,"end_word":3946,"sentiment":"negative","sentiment_score":-0.6548160314559937},{"text":"I'm still Yeah. trying to work a balance out. You know? I've only had one pay one full fortnight's pay since I've been back. So I'm still, yeah, Yeah. working it out, if Yeah. you know Yeah. what I mean. I was Absolutely. off work for a fifth nearly fifteen months. So, Wow. you know, I to be able to do that, I did dip into a lot of my savings, and, you know, I pretty much got no savings left. Yeah. And, yeah, I'm just trying to, you know, get back on my feet, find out you Yeah. know, get comfortable. And then once I start getting my regular fortnight pay, then I can add because I was paying extra to my mortgage every fortnight and putting Yeah. heaps of money away, saving, and I haven't done that this fortnight because I'm still playing catch up. So, you know, once I get back on track and everything's, you know, flowing like it should, then I can assess that. You know? Yeah. Absolutely.","start_word":3947,"end_word":4119,"sentiment":"neutral","sentiment_score":-0.0498187392950058},{"text":"Not a problem at all.","start_word":4120,"end_word":4124,"sentiment":"positive","sentiment_score":0.34132808446884155},{"text":"If and when you decide that's you wanna look at, feel free to let me know. We can provide advice and talk about what your limits are, and provide Yep.","start_word":4125,"end_word":4154,"sentiment":"neutral","sentiment_score":0.225243017077446},{"text":"personal advice to show you what that looks and how that can benefit you down the track.","start_word":4155,"end_word":4171,"sentiment":"positive","sentiment_score":0.42302078008651733},{"text":"Yep. And it's also important to note as being an ongoing client as well there, Amanda, we're here as as full licensed advisers. We can assist you in other areas. If you need advice on cash flow and budgeting, if you wanna talk to a mortgage broker, things like that, investment advice in other areas, feel free to let me know.","start_word":4172,"end_word":4232,"sentiment":"neutral","sentiment_score":0.20200474560260773},{"text":"We're here to support you and help you to try and meet all of your goals.","start_word":4233,"end_word":4248,"sentiment":"positive","sentiment_score":0.45103374123573303},{"text":"So it's not just Yes. the super insurances. If you have something that you wanna sort of talk to us a bit more about or receive some additional advice on, please let me know.","start_word":4249,"end_word":4282,"sentiment":"neutral","sentiment_score":0.15625804662704468},{"text":"I'm more than happy to assist you.","start_word":4283,"end_word":4289,"sentiment":"positive","sentiment_score":0.5926122069358826},{"text":"Okay? Okay.","start_word":4290,"end_word":4291,"sentiment":"neutral","sentiment_score":0.30916327238082886},{"text":"Thank you.","start_word":4292,"end_word":4293,"sentiment":"positive","sentiment_score":0.49934840202331543},{"text":"Yeah. That's okay. So the main sort of goals for the next sort of twelve months are just sort of working at your Yep. position, getting your savings back, making sure little man's all sorted, and trying to sort of pay down your mortgage. Is there anything else that I may have missed in in any of that? Or No. That's about it. No. Yeah. Just keep get back on track Yep. and Yeah. start building up a bit of a savings and yeah. And whatever Yeah. extra I can put on the mortgage is probably my priority. I've, you know, Yeah. I'd like to there's some goals I've set, like, personal goals Yeah. I've set myself as well and with things I I wanna do to the house and and whatnot. So, you know, I'm just working towards that little steps. Yeah. Absolutely. No.","start_word":4294,"end_word":4438,"sentiment":"neutral","sentiment_score":0.2188668006453021},{"text":"Perfect. Perfect.","start_word":4439,"end_word":4440,"sentiment":"positive","sentiment_score":0.4271849989891052},{"text":"The only other thing I've sort of been looking at is is how you're invested. So with your portfolio at the moment, you're in I'm just double checking with Hub twenty four. So sorry. It's a little bit slow. But with the way it is, you're in more of a growth portfolio. So that generally sees about 90 sorry. About 80% of your super invested in growth assets. So thinking about things like Australian shares, international shares, listed property, and commodities. And then the other 20% in defense is the lower risk investors like cash, bonds, and fixed interest. Are you feeling fairly happy with where that might fit? Did you wanna look at or talk about maybe increasing the risk levels or decreasing? How do you sort of feel about your super in the market and what we've gone through so far? Well, I mean, it feels it seems to be doing okay the way that it is, Yeah. especially the last twelve months because I haven't really contributed a whole lot to it, and it's still Still grew, going up. I guess. Yeah. Yeah. So it seems to be, you know, tracking along quite Yeah. well, actually. Yeah. Yeah. So I don't I don't yeah. I don't know, No. to That's be honest. okay. As we've been sort of talking and I've been asking a lot of questions, I've been sort of filling out the risk profile question as we go. The last of the two questions are more asking about how you feel if markets take a bit of a dip. So with what you're probably hearing and seeing in the news at the moment, there has been a lot of ups and downs that the the market has seen. If you're super like, it's seen a great 12% return over the last twelve months. But if you saw a dip, which it can and there will be these sorts of dips in the future, if you saw it fall by, say, 10 or 20 or 30%, how do you think you might be feeling?","start_word":4441,"end_word":4788,"sentiment":"neutral","sentiment_score":0.03478096913674782},{"text":"Nobody likes to lose No. No. money.","start_word":4789,"end_word":4795,"sentiment":"negative","sentiment_score":-0.47460687160491943},{"text":"You know?","start_word":4796,"end_word":4797,"sentiment":"neutral","sentiment_score":-0.31752175092697144},{"text":"It'll be a bit disappointing to lose.","start_word":4798,"end_word":4804,"sentiment":"negative","sentiment_score":-0.6347489356994629},{"text":"That's why I'm Yep. not a huge risk taker, to be Yep. honest. Yeah. Yeah. That's But, okay. you know, Not a problem. there's there's never any guarantees in in doing what you do, you know, with chairs and and all of that. Like, I mean, it's way above my Yeah. expertise. I don't really understand it a lot of the time. So I just, like, I I put my trust in you guys because you know what you're doing Beautiful. and hope that you make the right decisions for me. You know? Yeah. Absolutely. Well, one of the things I do kind of like about my job is the educational value. So whilst we do see events like what we have in the past around COVID and the GSB, where the markets do take a bit of a dip, and you kinda we can't control what is gonna happen. A lot of what's happening in the market is just human beings making irrational emotional decisions. They're selling investments because they've heard something in the news. It's quite concerning to them. But with your super, because of where you are, because of how long you have until the age of 60, you have that time to withstand those ups and downs. So when you see a big 10 or 20 or 30% drop in your super, we want you to stay invested through those downtimes. And the investments that we invest you in have been through those downtimes. We pick investments that have seen the COVID dip, that have seen the GST, that have seen those sorts of downtimes, have gone through those big dips, and have come out and recovered from that. That way, you're not taking on crazy amounts of risk and investing in speculative. It's about making sure those investments have gone through those those market ups and downs and have withstood that and come out on top and still grown from that. And that's what we like to invest you in. When you see your super take a bit of a dip like that, let's say it was to drop by a 12% or even a 20% dip there, because you're not selling anything, you're not you're not actually selling out of those investments, you haven't cemented any of the losses. They're what we call paper losses, which means that the the value of the investment is there because of what's occurring. But if you don't sell any of those investments, it can allow the portfolio to come back and recover. With this growth portfolio with that eighty twenty split, we normally like you to have about a six year time horizon. So you don't wanna access that money for at least six years. Anything beyond that, you know, so anything shorter than that time frame to say you wanted to retire in the next four years and you were in your sort of, you know, fifties or early sixties, I probably wouldn't wanna see you in this sort of environment would be sort of falling back on your risk level. So the way we kind of like to invest, we start by taking a bit more risk now. And then as you get closer to accessing your super, as you get closer to retirement age, we'll start to draw back on that risk level and have you in more of a lower risk portfolio. Does that make sense? Yeah. Yeah. I do. Yeah. Yeah.","start_word":4805,"end_word":5383,"sentiment":"neutral","sentiment_score":-0.045296163460648325},{"text":"Beautiful.","start_word":5384,"end_word":5384,"sentiment":"positive","sentiment_score":0.4734166562557221},{"text":"So we'll sort of talk and get to know where you are. And as you get closer and closer, we can start to reduce the risk levels. But if you're hearing anything that's concerning you, you're welcome to pick the phone or send us an email and say, hey. I need to have a chat.","start_word":5385,"end_word":5439,"sentiment":"neutral","sentiment_score":0.23521006215702403},{"text":"I just wanna talk through what I'm hearing or understanding because I'm more than happy to make that time for you as well.","start_word":5440,"end_word":5462,"sentiment":"positive","sentiment_score":0.4898838698863983},{"text":"Okay? Okay.","start_word":5463,"end_word":5464,"sentiment":"neutral","sentiment_score":0.2014897018671036},{"text":"Yep. Perfect.","start_word":5465,"end_word":5466,"sentiment":"positive","sentiment_score":0.5041109323501587},{"text":"Now having a look at where you are and the sort of what we've gone through, that growth environment still suits your time horizon and your risk capacity.","start_word":5467,"end_word":5494,"sentiment":"neutral","sentiment_score":0.2057717740535736},{"text":"Are you happy if I keep that $80.20 split with your super at the moment whilst it's working really well for you, and we can always keep to review that down the track?","start_word":5495,"end_word":5527,"sentiment":"positive","sentiment_score":0.3691454231739044},{"text":"Yeah. Yep. Yep.","start_word":5528,"end_word":5530,"sentiment":"neutral","sentiment_score":0.19830818474292755},{"text":"Beautiful.","start_word":5531,"end_word":5531,"sentiment":"positive","sentiment_score":0.5555289387702942},{"text":"And moving forward, would you like us to do catch ups every three months, six months, or just twelve months? What sort of works in with your life, Amanda? What would you like to see? Twelve months is good. Yeah. Annual is Twelve good. months. Yep. Yeah. If Beautiful. there's anything Not a problem. in, you know, in between that, I like you said, I can always pick up the phone or email Absolutely. you if I've got a question or concerns or just wanna run some a thought. Buyers, well, I'll just do that, you know, Yep. in between. Yeah. Absolutely. That's not a problem at all. So the last sort of thing to let you know is we'll send out your annual review pack to you. It does have your ongoing service agreement in there for the next twelve months. I know you've probably gone through this a few times in the past there. The ongoing service agreement is a percentage phase fee that we charge for our services. It is 1.65% per annum, and it is deducted from your super in smaller monthly increments there. That's Yep. what our service is making sure we're looking after your super the insurance aspect, but it's also about making sure we're here to service any other goals that you need and, you know, look at whatever else is happening in your life there as well. Do you have any questions about how the ongoing service agreement works or the fee structure or anything like that? No. No. So No? good.","start_word":5532,"end_word":5791,"sentiment":"neutral","sentiment_score":0.12027599117181335},{"text":"That's okay. All good.","start_word":5792,"end_word":5795,"sentiment":"positive","sentiment_score":0.4524477124214173},{"text":"I've also added in there for you the financial services guide, which outlines everything about who we are, what we do, how we do it.","start_word":5796,"end_word":5820,"sentiment":"neutral","sentiment_score":0.2370830476284027},{"text":"It has all the services that we're able to provide there as well, and it has a lovely picture of myself as a licensed adviser.","start_word":5821,"end_word":5845,"sentiment":"positive","sentiment_score":0.4090954065322876},{"text":"It's got all the information in there. I'm registered to ask, and my license number is also noted in there for you as well. Okay? Okay.","start_word":5846,"end_word":5871,"sentiment":"neutral","sentiment_score":0.2261778563261032},{"text":"Thank you.","start_word":5872,"end_word":5873,"sentiment":"positive","sentiment_score":0.4474998712539673},{"text":"It's that's okay. We'll also add all the reports that we've got here giving you showing you your current certificate, current needs to the insurances, the rate of return that we've gone through with regards to your portfolio report there. And we've Mhmm. also got just a loss super search, and we also do a a tax file consent form. So we like to make sure you're aware of the personal information that we do hold. We do hold your tax file number, so we wanna make sure you're aware of that. So we do have that consent form attached to this DocuSign for you as well. Okay. Okay. Yep.","start_word":5874,"end_word":5983,"sentiment":"neutral","sentiment_score":0.128779798746109},{"text":"Beautiful.","start_word":5984,"end_word":5984,"sentiment":"positive","sentiment_score":0.5419930219650269},{"text":"My colleague will send all that information out to you shortly. Once you get that email, if you could sign and return that for us. In the meantime, I'll go back and look at the the investments. So did the investments switch for you, and I'll get an I'll get an updated quote to increase your to, sorry, get increase your income protection Income. policy, Yep. and I'll email that through to you. Sorry. Sorry. I had a mind blank there. No. That's okay. And I'll email that through to you in a couple of days so you can have a look at that, and we can look at and talk about how to move forward. Does that sound okay?","start_word":5985,"end_word":6104,"sentiment":"neutral","sentiment_score":0.11653053760528564},{"text":"That's perfect. Thank you.","start_word":6105,"end_word":6108,"sentiment":"positive","sentiment_score":0.479984998703003},{"text":"Yep. That's okay. I'll let you go because I do know you are set for time and about to go into a meeting. Yeah. Mayday. But Yeah. if it's anything in the meantime, Amanda, please let me know.","start_word":6109,"end_word":6146,"sentiment":"neutral","sentiment_score":0.1460538008495381},{"text":"It's been an absolute pleasure to get to know you. Looking forward to helping you meet your goals moving forward. Thank you, and you have a good day. I will. You too. Thank you so much for your time. See you later. See you later.","start_word":6147,"end_word":6191,"sentiment":"positive","sentiment_score":0.751010537147522},{"text":"Bye. Bye.","start_word":6192,"end_word":6193,"sentiment":"neutral","sentiment_score":0.2068452686071396}],"average":{"sentiment":"neutral","sentiment_score":0.09803567488293252}}}}