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Is that okay? Yep. Beautiful. And I will also just ask you to please confirm your full name, date of birth, and address, please. Beautiful. Fantastic. Thank you for that. I am phoning today to go through an advice discussion following your review you had with Connor just in relation particularly to the Benelong Australian share fund that I know that he spoke to you about. I'm just jumping in at the moment. So one of the things with, Bennelong well, the issue with Bennelong itself is it's not that the Australian share market has performed poorly as a whole. It's more Bennelong's investment mandate that they follow, which is to identify companies within the Australian market that they believe are undervalued for growth opportunities. Now the last twelve or so months, that mandate hasn't proved fruitful for them as you can see from the return given that the the banks and the the larger companies within the Australian share make share market were the performers. So our investment committee has identified that that's one fund that we're looking to well, investment, I should say. We're looking to evaluate for I should say. We're looking to evaluate for clients, review, and see if there's alternative options. And if you're comfortable with that, I would like to arrange that. Yep. Beautiful. And I know that Connor probably did I'm not sure if Connor spoke to you about the other investment option within your plan that I would like to look at. It's called the beta hybrid bank ETF. That there's nothing wrong with that that investment at all performing as it typically would being a defensive asset out a defensive asset, which is lower on the growth side and more on the income side. But the banking system's changing. And from January 2027, hybrids will be phased out completely. So what I'm doing with clients that I'm working with is I'm looking earlier rather than later at alternative options. I don't want to leave it till they phase out because I'm not sure what's going to happen, whether they decrease in value, what their replacement's gonna be valued at, those types of things. So that's another thing that I'm looking at investigating with clients that I'm working with. And if you're happy for me to do that, I'd like to do that as well. Yeah. Fantastic. So following your conversation with Connor, I just had a couple of quick questions that I wanted to run by you from an advice perspective, if that's okay. Yeah. Beautiful. But before I do that, do you have any questions for me? No. Yeah. All good. Yeah. What do you mean that you don't understand the superannuation thing? Is it the underlying investments or the purpose of super overall? Yep. Yes. Yep. Yeah. Yeah. That's I can quite I can give you a a very general overview of how that works so you do have an understanding of it. Because knowledge is power, and, you know, you know, you're 56 years of age. You have said that you wanna retire at 67. Is that still right? 67 is the age at the moment. Yep. Yep. Okay. And we had down that you'd need $1,100 a week. Do you think in today's dollars? Do you think that that's still right? Yeah? Okay. So what we're how the superannuation works is while you're working and it's you're in what we call accumulation phase, so you're unable to access your because you haven't reached your preservation age, is when you retire, you you can withdraw it as a lump sum. We don't generally recommend that. Reasons being is that for tax effective purposes. So, typically, what you would see in retirement is that it would be rolled to a different type of account, which is we call a pension account. So you would work with us, and we would figure out what your income need is, what the gap is between any potential age pension versus your living expenses. We would look at your portfolio to see what drawdown you would need to fill that gap and would and would make sure that your portfolio is constructed in a way that there is still an allocation to growth, but there is cash available to meet your income needs. So we'd structure it in a different way to the way that it's invested now with in regards to the underlying investments. But the reason why we do transfer it typically to a pension pays is because when that income you draw down from your pension, which can be paid to you depending on what super fund you're with. It can be paid weekly, fortnightly, monthly, quarterly, half yearly, yearly, whatever your preference is. So if you're used to a weekly income, it can be paid weekly depending again on the super funds. Yep. So at the time, you decide what works best for you. You know, some people might say, I want the age pension one for one week and then my other pension from my super the following week. So we would adjust it. It it just depends at that time. So and then the income you receive from your pension is completely your superannuation pension is tax free. So you're not taxed on it. That's why we typically say and and then all the earnings within that fund at with today's laws in place is all tax free as well. So all the gross because at the moment, in super accumulation phase, you're paying 15% on the gross within the funds. The government takes 15% of that on tax. When you're in pension phase, they take nothing. So we leave it invested so it continues to grow for longevity purposes to to try and ensure that you have an income for the remainder of your life. So we as that time approaches, we start looking at different sort of retirement strategies that we can implement, but that's essentially how it works once you get to retirement age. Does that help? Yep. How much do you think the motor home is gonna be roughly? That plan to fund it from super? Okay. Yeah. Yep. Okay. Alright. So we can definite I'll I'll mark that down as a goal of yours, which we will keep touching on and tracking towards as retirement gets closer. You know, we've it it might be that, you know, as retirement gets closer and that's the goal, it might be that we have a conversation that, you know, 1,100 a week is not sustainable. Or it is sustainable, but the funds are gonna run out at x y zed. So as we get closer to time and and we can project out balances in super a bit more accurately because even now, eleven years away, you know, projecting out, it's it's really just a figure that is fairly unreliable. So I'll mark that down as a goal that we can continue talking about and working towards. And as I said, as we get closer, we will start to look at things a little bit in a little bit more detail. Beautiful. I just wanted to check with you as well your debt levels. Did you update those with Connor when you were speaking with him? Yeah. You did? Alright. So you're are you still actively working towards paying those down? How are you going with that? Yep. Yep. Yep. Okay. So I noticed that you have the car loan, a personal loan, a credit card, and a latitude card? Yep. I'm just looking. Have you thought about potentially consolidating those if possible for a and to pay off quicker? Or because I'm not sure what the interest rates are. I'm assuming on a credit card and the latitude, that'd be But is that something that you've thought of? Oh, is it? Okay. Beautiful. Oh, fantastic. Oh, beautiful. Yeah. Awesome. Yeah. Fantastic. Okay. What's the yep. Okay. Yeah. I might actually just run through these with you because I don't know if this sheet's been filled out correctly, to be honest with you. So I have the debt value for your car at 37. Does that sound right? Right? Beautiful. A personal loan for 20? Yep. So the credit card has a nil balance, you're telling me? But a $10,000 limit? Yes. Okay. Sorry. It has been put in there that you've got a $10,000 debt. So I'm just gonna remove that. And, yeah, it's just been put in the wrong section. That's all. And the latitude card, what's the amount remaining on that? Okay. And is that a $20,000 limit? Yeah. Yeah. Sorry. It was in the wrong spot. That's why I had that's why I was asking the question. Alright. And we got a savings here of about 6,000. Is that right? Yep. Fantastic. Beautiful. That's updated. So, Fantastic. Beautiful. That's updated. So the and, additionally so you're going well on your debt. That's perfect. No issues there. You were you stick to it. You I love that. I have a I love that. That's exactly what I do, and I enforce that my husband does. He doesn't like it, but he doesn't. So I love that. Alright. So you a you're invested a you're invested as a growth risk profile. No. Sorry. Hang on. My notes here. You were previously invested as a growth investor. Your risk profile showed us. You are still invested as a growth risk profile. But when you completed the risk profile with Connor, the questions that he went through with you, you you might remember that some of them was what's the most aggressive investment you've made, how would you feel if your portfolio decreased by 20%. Do you remember those questions? Yeah. Yep. You came out as a moderate investor. So that's the step below a growth investor. So what we would see there is typically 70% invested in growth assets and 30% in your defensive assets. Assets. So I'm just my question to you is more so, do you think you do wanna lower your exposure to the growth assets, or are you comfortable remaining on a growth risk profile, which is 80% gross asset. To give you any yeah. Yeah. Yep. Okay. So let alright. Okay. So I'm gonna give you two bits of information that might help you. Because what I want to do is make sure that you pass what I call the sleep at night test. There's no worry. You're not concerned. You sleep well. You're not lying there worrying about your super. So, basically, I'm gonna okay. Well, maybe you won't we should stick with yep. Yep. Alright. Well, if we look at it this way, you've got eleven years till your retirement, your planned retirement. A gross portfolio, we recommend an investment time frame of a minimum of six years, and a moderate profile is a minimum of five years. So there's not much difference between the two time frame wise as to why we recommend the minimum holding in time frame. And that's just simply to allow for recovering of market fluctuations, so volatility. So, you know, one year, we might have a terrible, terrible year, and it might take eighteen months, two years to recover. That's why, though, like, to recover fully. So that's the time frame. And the difference between a growth and moderate portfolio, this is probably the big one. It's not what your average expected return to be is because they're both relatively similar, you know, either side of each other, but it's the the volatility you can expect. So with a growth portfolio, statistically, we say you can experience a plus or minus 11% fluctuation. So that could be a negative like, you know, a really, really bad year, like, let's say, the GFC, for example, you could expect a negative 11% return. On a good year, statistically, you could go potentially an 11 return, whereas a moderate is a plus or minus 8% return. So there is a little bit of movement there in relation to what you could expect statistically. So it it's really within your your comfort levels, I guess, is what I'm saying. So I think it's hard for I mean, I can make recommendation as as to what I think you should what risk profile you go with. I am happy to do so, but I want to make sure that, you know, you said you're not concerned about it at the moment anyway, and you don't you only check it once a month. But if you're happy and that you're yep. Yeah. It's very true. Yeah. It's for it's it's the future. It's a it's a thing we all face, isn't it? Yep. Yeah. Yeah. Yeah. Well, I'm gonna recommend yeah. Yeah. And yeah. I a 100% I a 100% agree with you there. Anything can happen any day. We never know when our time's up. I'm gonna recommend that you stick with a gross risk profile. The reason being, you've got time on your side. You're not concerned about market movements as it is at the moment. We're gonna continue to in and review it at all of our reviews anyway. And when the time comes that it is appropriate to start reducing exposure to growth assets as we near retirement, that conversation's gonna be had anyway. Yeah. Okay. So are you comfortable with maintaining that growth profile? Beautiful. Alright. I don't really have any other questions. Do you have any questions. Do you have any questions for me? No? Yeah. I'll do my best. The only actually, do you have a power of attorney in place? So what's that yep. So a yeah. So that's a separate document. What it does is it allows someone to make decisions on your behalf whilst you're alive. Yes. Very, very Yeah. Yeah. Well, not even sensible decisions. It could be that I always refer to yesterday. Yeah. Or you're in a coma or some there's you know, bills need paying. You know, there's someone needs to be able to do that on your behalf. A lot of as you know, even with us, we get you to go through security. If something happened to you, your partner wouldn't be out. We wouldn't be able to speak to her without that document. So it's a it's a relatively simple document. I can send you an email on some in some links to it and also how you can establish them. If you like, you can get advice from a lawyer to do it. Some of the some of them you can do it yourself, to be honest with you. So I'll send you some information on that. It's an important document to have in place. And Yep. Okay. Yeah. Yeah. And you have a partner. I have you down as single. What's your partner's name? Ren. How do I spell that? R e n. Obvious. I just wanted to make sure. Do you want her noted as your next of kin should anything happen to you or that we need to contact you urgently about anything? Yeah. What's her best number? Yep. Nine zero 6000. Beautiful. That's a nice easy number to remember. And what's her surname? Mason. Beautiful. I'll update that to make sure that that is recorded. Alright. I'm gonna email you some information on house of attorney. And then just lastly, did you wanna look at your insurances, say your life, TPD, income protection, trauma insurance? Yeah? Nope. That's okay. Alright. What I'm gonna do, Steven, is I'm gonna go and add to my homework list looking at those investment options. And I am also gonna email you some details about a power of attorney. So you can look at getting that in place for yourself. Beautiful. Alright. Is there anything else I can help you with today? Yeah? Okay. Alright. Beautiful. Well, if you do need help with anything else, let me know, and we can, you know, just pick up the call, pick up the phone, shoot us an email, and we can get that. We can help you with whatever it is that you need. Beautiful. Well, I'll be in contact in about probably about two weeks or so to set in a time just to present the recommendations to you, and we'll go from there. Fantastic. Thanks for your time today. Okay. 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Steven. This is Jenna from Oakview Financial. How are you? That's good. Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes.\n\nIs that okay? Yep. Beautiful. And I will also just ask you to please confirm your full name, date of birth, and address, please. Beautiful.\n\nFantastic. Thank you for that. I am phoning today to go through an advice discussion following your review you had with Connor just in relation particularly to the Benelong Australian share fund that I know that he spoke to you about. I'm just jumping in at the moment. So one of the things with, Bennelong well, the issue with Bennelong itself is it's not that the Australian share market has performed poorly as a whole.\n\nIt's more Bennelong's investment mandate that they follow, which is to identify companies within the Australian market that they believe are undervalued for growth opportunities. Now the last twelve or so months, that mandate hasn't proved fruitful for them as you can see from the return given that the the banks and the the larger companies within the Australian share make share market were the performers. So our investment committee has identified that that's one fund that we're looking to well, investment, I should say. We're looking to evaluate for I should say. We're looking to evaluate for clients, review, and see if there's alternative options.\n\nAnd if you're comfortable with that, I would like to arrange that. Yep. Beautiful. And I know that Connor probably did I'm not sure if Connor spoke to you about the other investment option within your plan that I would like to look at. It's called the beta hybrid bank ETF.\n\nThat there's nothing wrong with that that investment at all performing as it typically would being a defensive asset out a defensive asset, which is lower on the growth side and more on the income side. But the banking system's changing. And from January 2027, hybrids will be phased out completely. So what I'm doing with clients that I'm working with is I'm looking earlier rather than later at alternative options. I don't want to leave it till they phase out because I'm not sure what's going to happen, whether they decrease in value, what their replacement's gonna be valued at, those types of things.\n\nSo that's another thing that I'm looking at investigating with clients that I'm working with. And if you're happy for me to do that, I'd like to do that as well. Yeah. Fantastic. So following your conversation with Connor, I just had a couple of quick questions that I wanted to run by you from an advice perspective, if that's okay.\n\nYeah. Beautiful. But before I do that, do you have any questions for me? No. Yeah.\n\nAll good. Yeah. What do you mean that you don't understand the superannuation thing? Is it the underlying investments or the purpose of super overall? Yep.\n\nYes. Yep. Yeah. Yeah. That's I can quite I can give you a a very general overview of how that works so you do have an understanding of it.\n\nBecause knowledge is power, and, you know, you know, you're 56 years of age. You have said that you wanna retire at 67. Is that still right? 67 is the age at the moment. Yep.\n\nYep. Okay. And we had down that you'd need $1,100 a week. Do you think in today's dollars? Do you think that that's still right?\n\nYeah? Okay. So what we're how the superannuation works is while you're working and it's you're in what we call accumulation phase, so you're unable to access your because you haven't reached your preservation age, is when you retire, you you can withdraw it as a lump sum. We don't generally recommend that. Reasons being is that for tax effective purposes.\n\nSo, typically, what you would see in retirement is that it would be rolled to a different type of account, which is we call a pension account. So you would work with us, and we would figure out what your income need is, what the gap is between any potential age pension versus your living expenses. We would look at your portfolio to see what drawdown you would need to fill that gap and would and would make sure that your portfolio is constructed in a way that there is still an allocation to growth, but there is cash available to meet your income needs. So we'd structure it in a different way to the way that it's invested now with in regards to the underlying investments. But the reason why we do transfer it typically to a pension pays is because when that income you draw down from your pension, which can be paid to you depending on what super fund you're with.\n\nIt can be paid weekly, fortnightly, monthly, quarterly, half yearly, yearly, whatever your preference is. So if you're used to a weekly income, it can be paid weekly depending again on the super funds. Yep. So at the time, you decide what works best for you. You know, some people might say, I want the age pension one for one week and then my other pension from my super the following week.\n\nSo we would adjust it. It it just depends at that time. So and then the income you receive from your pension is completely your superannuation pension is tax free. So you're not taxed on it. That's why we typically say and and then all the earnings within that fund at with today's laws in place is all tax free as well.\n\nSo all the gross because at the moment, in super accumulation phase, you're paying 15% on the gross within the funds. The government takes 15% of that on tax. When you're in pension phase, they take nothing. So we leave it invested so it continues to grow for longevity purposes to to try and ensure that you have an income for the remainder of your life. So we as that time approaches, we start looking at different sort of retirement strategies that we can implement, but that's essentially how it works once you get to retirement age.\n\nDoes that help? Yep. How much do you think the motor home is gonna be roughly? That plan to fund it from super? Okay.\n\nYeah. Yep. Okay. Alright. So we can definite I'll I'll mark that down as a goal of yours, which we will keep touching on and tracking towards as retirement gets closer.\n\nYou know, we've it it might be that, you know, as retirement gets closer and that's the goal, it might be that we have a conversation that, you know, 1,100 a week is not sustainable. Or it is sustainable, but the funds are gonna run out at x y zed. So as we get closer to time and and we can project out balances in super a bit more accurately because even now, eleven years away, you know, projecting out, it's it's really just a figure that is fairly unreliable. So I'll mark that down as a goal that we can continue talking about and working towards. And as I said, as we get closer, we will start to look at things a little bit in a little bit more detail.\n\nBeautiful. I just wanted to check with you as well your debt levels. Did you update those with Connor when you were speaking with him? Yeah. You did?\n\nAlright. So you're are you still actively working towards paying those down? How are you going with that? Yep. Yep.\n\nYep. Okay. So I noticed that you have the car loan, a personal loan, a credit card, and a latitude card? Yep. I'm just looking.\n\nHave you thought about potentially consolidating those if possible for a and to pay off quicker? Or because I'm not sure what the interest rates are. I'm assuming on a credit card and the latitude, that'd be But is that something that you've thought of? Oh, is it? Okay.\n\nBeautiful. Oh, fantastic. Oh, beautiful. Yeah. Awesome.\n\nYeah. Fantastic. Okay. What's the yep. Okay.\n\nYeah. I might actually just run through these with you because I don't know if this sheet's been filled out correctly, to be honest with you. So I have the debt value for your car at 37. Does that sound right? Right?\n\nBeautiful. A personal loan for 20? Yep. So the credit card has a nil balance, you're telling me? But a $10,000 limit?\n\nYes. Okay. Sorry. It has been put in there that you've got a $10,000 debt. So I'm just gonna remove that.\n\nAnd, yeah, it's just been put in the wrong section. That's all. And the latitude card, what's the amount remaining on that? Okay. And is that a $20,000 limit?\n\nYeah. Yeah. Sorry. It was in the wrong spot. That's why I had that's why I was asking the question.\n\nAlright. And we got a savings here of about 6,000. Is that right? Yep. Fantastic.\n\nBeautiful. That's updated. So, Fantastic. Beautiful. That's updated.\n\nSo the and, additionally so you're going well on your debt. That's perfect. No issues there. You were you stick to it. You I love that.\n\nI have a I love that. That's exactly what I do, and I enforce that my husband does. He doesn't like it, but he doesn't. So I love that. Alright.\n\nSo you a you're invested a you're invested as a growth risk profile. No. Sorry. Hang on. My notes here.\n\nYou were previously invested as a growth investor. Your risk profile showed us. You are still invested as a growth risk profile. But when you completed the risk profile with Connor, the questions that he went through with you, you you might remember that some of them was what's the most aggressive investment you've made, how would you feel if your portfolio decreased by 20%. Do you remember those questions?\n\nYeah. Yep. You came out as a moderate investor. So that's the step below a growth investor. So what we would see there is typically 70% invested in growth assets and 30% in your defensive assets.\n\nAssets. So I'm just my question to you is more so, do you think you do wanna lower your exposure to the growth assets, or are you comfortable remaining on a growth risk profile, which is 80% gross asset. To give you any yeah. Yeah. Yep.\n\nOkay. So let alright. Okay. So I'm gonna give you two bits of information that might help you. Because what I want to do is make sure that you pass what I call the sleep at night test.\n\nThere's no worry. You're not concerned. You sleep well. You're not lying there worrying about your super. So, basically, I'm gonna okay.\n\nWell, maybe you won't we should stick with yep. Yep. Alright. Well, if we look at it this way, you've got eleven years till your retirement, your planned retirement. A gross portfolio, we recommend an investment time frame of a minimum of six years, and a moderate profile is a minimum of five years.\n\nSo there's not much difference between the two time frame wise as to why we recommend the minimum holding in time frame. And that's just simply to allow for recovering of market fluctuations, so volatility. So, you know, one year, we might have a terrible, terrible year, and it might take eighteen months, two years to recover. That's why, though, like, to recover fully. So that's the time frame.\n\nAnd the difference between a growth and moderate portfolio, this is probably the big one. It's not what your average expected return to be is because they're both relatively similar, you know, either side of each other, but it's the the volatility you can expect. So with a growth portfolio, statistically, we say you can experience a plus or minus 11% fluctuation. So that could be a negative like, you know, a really, really bad year, like, let's say, the GFC, for example, you could expect a negative 11% return. On a good year, statistically, you could go potentially an 11 return, whereas a moderate is a plus or minus 8% return.\n\nSo there is a little bit of movement there in relation to what you could expect statistically. So it it's really within your your comfort levels, I guess, is what I'm saying. So I think it's hard for I mean, I can make recommendation as as to what I think you should what risk profile you go with. I am happy to do so, but I want to make sure that, you know, you said you're not concerned about it at the moment anyway, and you don't you only check it once a month. But if you're happy and that you're yep.\n\nYeah. It's very true. Yeah. It's for it's it's the future. It's a it's a thing we all face, isn't it?\n\nYep. Yeah. Yeah. Yeah. Well, I'm gonna recommend yeah.\n\nYeah. And yeah. I a 100% I a 100% agree with you there. Anything can happen any day. We never know when our time's up.\n\nI'm gonna recommend that you stick with a gross risk profile. The reason being, you've got time on your side. You're not concerned about market movements as it is at the moment. We're gonna continue to in and review it at all of our reviews anyway. And when the time comes that it is appropriate to start reducing exposure to growth assets as we near retirement, that conversation's gonna be had anyway.\n\nYeah. Okay. So are you comfortable with maintaining that growth profile? Beautiful. Alright.\n\nI don't really have any other questions. Do you have any questions. Do you have any questions for me? No? Yeah.\n\nI'll do my best. The only actually, do you have a power of attorney in place? So what's that yep. So a yeah. So that's a separate document.\n\nWhat it does is it allows someone to make decisions on your behalf whilst you're alive. Yes. Very, very Yeah. Yeah. Well, not even sensible decisions.\n\nIt could be that I always refer to yesterday. Yeah. Or you're in a coma or some there's you know, bills need paying. You know, there's someone needs to be able to do that on your behalf. A lot of as you know, even with us, we get you to go through security.\n\nIf something happened to you, your partner wouldn't be out. We wouldn't be able to speak to her without that document. So it's a it's a relatively simple document. I can send you an email on some in some links to it and also how you can establish them. If you like, you can get advice from a lawyer to do it.\n\nSome of the some of them you can do it yourself, to be honest with you. So I'll send you some information on that. It's an important document to have in place. And Yep. Okay.\n\nYeah. Yeah. And you have a partner. I have you down as single. What's your partner's name?\n\nRen. How do I spell that? R e n. Obvious. I just wanted to make sure.\n\nDo you want her noted as your next of kin should anything happen to you or that we need to contact you urgently about anything? Yeah. What's her best number? Yep. Nine zero 6000.\n\nBeautiful. That's a nice easy number to remember. And what's her surname? Mason. Beautiful.\n\nI'll update that to make sure that that is recorded. Alright. I'm gonna email you some information on house of attorney. And then just lastly, did you wanna look at your insurances, say your life, TPD, income protection, trauma insurance? Yeah?\n\nNope. That's okay. Alright. What I'm gonna do, Steven, is I'm gonna go and add to my homework list looking at those investment options. And I am also gonna email you some details about a power of attorney.\n\nSo you can look at getting that in place for yourself. Beautiful. Alright. Is there anything else I can help you with today? Yeah?\n\nOkay. Alright. Beautiful. Well, if you do need help with anything else, let me know, and we can, you know, just pick up the call, pick up the phone, shoot us an email, and we can get that. We can help you with whatever it is that you need.\n\nBeautiful. Well, I'll be in contact in about probably about two weeks or so to set in a time just to present the recommendations to you, and we'll go from there. Fantastic. Thanks for your time today. Okay.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, Steven.","start":1.8399999,"end":2.72,"sentiment":"neutral","sentiment_score":0.05802788957953453},{"text":"This is Jenna from Oakview Financial.","start":2.72,"end":4.74,"sentiment":"neutral","sentiment_score":0.07359941055377324},{"text":"How are you?","start":4.88,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.08335781345764796},{"text":"That's good.","start":7.44,"end":8.42,"sentiment":"positive","sentiment_score":0.5394408106803894},{"text":"Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes.","start":8.559999,"end":13.325,"sentiment":"neutral","sentiment_score":0.039930824352347336}],"sentiment":"neutral","sentiment_score":0.07791711845331722,"num_words":36,"start":1.8399999,"end":13.325},{"sentences":[{"text":"Is that okay?","start":13.325,"end":14.225,"sentiment":"neutral","sentiment_score":0.042224290470282234},{"text":"Yep.","start":15.405,"end":15.805,"sentiment":"neutral","sentiment_score":0.07211747765541077},{"text":"Beautiful.","start":15.805,"end":16.305,"sentiment":"neutral","sentiment_score":0.3274605870246887},{"text":"And I will also just ask you to please confirm your full name, date of birth, and address, please.","start":16.765,"end":22.064999,"sentiment":"neutral","sentiment_score":0.0627392340255411},{"text":"Beautiful.","start":29.82,"end":30.32,"sentiment":"neutral","sentiment_score":0.30663326382637024}],"sentiment":"neutral","sentiment_score":0.0809971858561039,"num_words":25,"start":13.325,"end":30.32},{"sentences":[{"text":"Fantastic.","start":30.619999,"end":31.119999,"sentiment":"positive","sentiment_score":0.5804904699325562},{"text":"Thank you for that.","start":31.419998,"end":32.48,"sentiment":"positive","sentiment_score":0.5512507408857346},{"text":"I am phoning today to go through an advice discussion following your review you had with Connor just in relation particularly to the Benelong Australian share fund that I know that he spoke to you about.","start":33.82,"end":51.785,"sentiment":"neutral","sentiment_score":0.03767067284530236},{"text":"I'm just jumping in at the moment.","start":53.829998,"end":56.89,"sentiment":"neutral","sentiment_score":-0.057377297963414876},{"text":"So one of the things with, Bennelong well, the issue with Bennelong itself is it's not that the Australian share market has performed poorly as a whole.","start":57.829998,"end":70.125,"sentiment":"neutral","sentiment_score":-0.16554845262456824}],"sentiment":"neutral","sentiment_score":-0.009730822009344896,"num_words":75,"start":30.619999,"end":70.125},{"sentences":[{"text":"It's more Bennelong's investment mandate that they follow, which is to identify companies within the Australian market that they believe are undervalued for growth opportunities.","start":70.505005,"end":83.840004,"sentiment":"neutral","sentiment_score":-0.11096686363220215},{"text":"Now the last twelve or so months, that mandate hasn't proved fruitful for them as you can see from the return given that the the banks and the the larger companies within the Australian share make share market were the performers.","start":84.78,"end":101.875,"sentiment":"neutral","sentiment_score":-0.060361484928828917},{"text":"So our investment committee has identified that that's one fund that we're looking to well, investment, I should say.","start":102.575,"end":107.73136,"sentiment":"neutral","sentiment_score":-0.01053507116280104},{"text":"We're looking to evaluate for I should say.","start":107.73136,"end":112.06,"sentiment":"neutral","sentiment_score":-0.013968211715109646},{"text":"We're looking to evaluate for clients, review, and see if there's alternative options.","start":112.06,"end":116.079994,"sentiment":"neutral","sentiment_score":-0.0025443437401778423}],"sentiment":"neutral","sentiment_score":-0.052773405540787244,"num_words":106,"start":70.505005,"end":116.079994},{"sentences":[{"text":"And if you're comfortable with that, I would like to arrange that.","start":116.939995,"end":121.92,"sentiment":"neutral","sentiment_score":0.03427980002015829},{"text":"Yep.","start":121.979996,"end":122.38,"sentiment":"neutral","sentiment_score":0.08460865914821625},{"text":"Beautiful.","start":122.38,"end":122.88,"sentiment":"neutral","sentiment_score":0.24959710240364075},{"text":"And I know that Connor probably did I'm not sure if Connor spoke to you about the other investment option within your plan that I would like to look at.","start":123.635,"end":131.235,"sentiment":"neutral","sentiment_score":0.023182667574534813},{"text":"It's called the beta hybrid bank ETF.","start":131.235,"end":134.13501,"sentiment":"neutral","sentiment_score":0.07201371608035904}],"sentiment":"neutral","sentiment_score":0.03813998826651597,"num_words":51,"start":116.939995,"end":134.13501},{"sentences":[{"text":"That there's nothing wrong with that that investment at all performing as it typically would being a defensive asset out a defensive asset, which is lower on the growth side and more on the income side.","start":137.29,"end":151.15,"sentiment":"neutral","sentiment_score":0.03728136187419295},{"text":"But the banking system's changing.","start":151.905,"end":154.24501,"sentiment":"neutral","sentiment_score":-0.09569361805915833},{"text":"And from January 2027, hybrids will be phased out completely.","start":155.02501,"end":159.52501,"sentiment":"neutral","sentiment_score":-0.0892824161797762},{"text":"So what I'm doing with clients that I'm working with is I'm looking earlier rather than later at alternative options.","start":160.465,"end":169.34,"sentiment":"neutral","sentiment_score":0.0050417886348441245},{"text":"I don't want to leave it till they phase out because I'm not sure what's going to happen, whether they decrease in value, what their replacement's gonna be valued at, those types of things.","start":169.72,"end":181.145,"sentiment":"neutral","sentiment_score":-0.13913637585937977}],"sentiment":"neutral","sentiment_score":-0.04437108791566321,"num_words":105,"start":137.29,"end":181.145},{"sentences":[{"text":"So that's another thing that I'm looking at investigating with clients that I'm working with.","start":181.145,"end":185.30501,"sentiment":"neutral","sentiment_score":0.03410885317328696},{"text":"And if you're happy for me to do that, I'd like to do that as well.","start":185.30501,"end":188.285,"sentiment":"neutral","sentiment_score":0.1769298962317407},{"text":"Yeah.","start":190.02501,"end":190.52501,"sentiment":"positive","sentiment_score":0.462330162525177},{"text":"Fantastic.","start":190.82501,"end":191.32501,"sentiment":"positive","sentiment_score":0.6119593977928162},{"text":"So following your conversation with Connor, I just had a couple of quick questions that I wanted to run by you from an advice perspective, if that's okay.","start":193.38501,"end":204.09999,"sentiment":"neutral","sentiment_score":0.15914628441844667}],"sentiment":"neutral","sentiment_score":0.14545732231707634,"num_words":61,"start":181.145,"end":204.09999},{"sentences":[{"text":"Yeah.","start":205.76,"end":206.08,"sentiment":"neutral","sentiment_score":0.16610310971736908},{"text":"Beautiful.","start":206.08,"end":206.58,"sentiment":"neutral","sentiment_score":0.3270159363746643},{"text":"But before I do that, do you have any questions for me?","start":207.28,"end":212.145,"sentiment":"neutral","sentiment_score":-0.005838765607525905},{"text":"No.","start":212.525,"end":213.025,"sentiment":"neutral","sentiment_score":-0.11411628127098083},{"text":"Yeah.","start":213.08499,"end":213.165,"sentiment":"neutral","sentiment_score":-0.10842838138341904}],"sentiment":"neutral","sentiment_score":0.012531824759207666,"num_words":16,"start":205.76,"end":213.165},{"sentences":[{"text":"All good.","start":213.165,"end":213.905,"sentiment":"neutral","sentiment_score":-0.27769966423511505},{"text":"Yeah.","start":222.205,"end":222.705,"sentiment":"neutral","sentiment_score":-0.03509211540222168},{"text":"What do you mean that you don't understand the superannuation thing?","start":223.65001,"end":227.09,"sentiment":"neutral","sentiment_score":-0.07003701850771904},{"text":"Is it the underlying investments or the purpose of super overall?","start":227.09,"end":230.39,"sentiment":"neutral","sentiment_score":-0.05626419897783886},{"text":"Yep.","start":234.53,"end":235.03,"sentiment":"neutral","sentiment_score":-0.010711811482906342}],"sentiment":"neutral","sentiment_score":-0.07655833260371135,"num_words":26,"start":213.165,"end":235.03},{"sentences":[{"text":"Yes.","start":237.25,"end":237.645,"sentiment":"neutral","sentiment_score":-0.007576757110655308},{"text":"Yep.","start":239.16501,"end":239.66501,"sentiment":"neutral","sentiment_score":-0.028008054941892624},{"text":"Yeah.","start":248.60501,"end":249.10501,"sentiment":"neutral","sentiment_score":-0.030408961698412895},{"text":"Yeah.","start":249.24501,"end":249.74501,"sentiment":"neutral","sentiment_score":0.015533278696238996},{"text":"That's I can quite I can give you a a very general overview of how that works so you do have an understanding of it.","start":250.205,"end":257.88,"sentiment":"neutral","sentiment_score":0.09081487610936165}],"sentiment":"neutral","sentiment_score":0.07654866923032136,"num_words":29,"start":237.25,"end":257.88},{"sentences":[{"text":"Because knowledge is power, and, you know, you know, you're 56 years of age.","start":258.26,"end":265.16,"sentiment":"neutral","sentiment_score":0.015767286897503903},{"text":"You have said that you wanna retire at 67.","start":265.935,"end":268.655,"sentiment":"neutral","sentiment_score":-0.008979275150017606},{"text":"Is that still right?","start":268.655,"end":269.875,"sentiment":"neutral","sentiment_score":-0.014251336921006441},{"text":"67 is the age at the moment.","start":276.41498,"end":278.75,"sentiment":"neutral","sentiment_score":-0.024204574525356293},{"text":"Yep.","start":280.25,"end":280.75,"sentiment":"neutral","sentiment_score":0.00980156846344471}],"sentiment":"neutral","sentiment_score":-0.0021916360195193972,"num_words":35,"start":258.26,"end":280.75},{"sentences":[{"text":"Yep.","start":282.65002,"end":283.13,"sentiment":"neutral","sentiment_score":0.007118925452232361},{"text":"Okay.","start":283.13,"end":283.63,"sentiment":"neutral","sentiment_score":0.008695035241544247},{"text":"And we had down that you'd need $1,100 a week.","start":284.41,"end":287.77002,"sentiment":"neutral","sentiment_score":-0.000922994455322623},{"text":"Do you think in today's dollars?","start":287.77002,"end":289.29,"sentiment":"neutral","sentiment_score":-0.002037063706666231},{"text":"Do you think that that's still right?","start":289.29,"end":291.10498,"sentiment":"neutral","sentiment_score":-0.010359589143523149}],"sentiment":"neutral","sentiment_score":-0.003126219604164362,"num_words":25,"start":282.65002,"end":291.10498},{"sentences":[{"text":"Yeah?","start":293.645,"end":294.125,"sentiment":"neutral","sentiment_score":0.04182027280330658},{"text":"Okay.","start":294.125,"end":294.625,"sentiment":"neutral","sentiment_score":0.05481911078095436},{"text":"So what we're how the superannuation works is while you're working and it's you're in what we call accumulation phase, so you're unable to access your because you haven't reached your preservation age, is when you retire, you you can withdraw it as a lump sum.","start":295.16498,"end":316.84,"sentiment":"neutral","sentiment_score":0.043253132121880415},{"text":"We don't generally recommend that.","start":318.74,"end":321.495,"sentiment":"negative","sentiment_score":-0.3459312915802002},{"text":"Reasons being is that for tax effective purposes.","start":322.935,"end":327.35498,"sentiment":"neutral","sentiment_score":-0.2281822357326746}],"sentiment":"neutral","sentiment_score":-0.024079194796256354,"num_words":61,"start":293.645,"end":327.35498},{"sentences":[{"text":"So, typically, what you would see in retirement is that it would be rolled to a different type of account, which is we call a pension account.","start":327.415,"end":336.95,"sentiment":"neutral","sentiment_score":0.03756347781530133},{"text":"So you would work with us, and we would figure out what your income need is, what the gap is between any potential age pension versus your living expenses.","start":336.95,"end":348.01,"sentiment":"neutral","sentiment_score":0.07759285987964992},{"text":"We would look at your portfolio to see what drawdown you would need to fill that gap and would and would make sure that your portfolio is constructed in a way that there is still an allocation to growth, but there is cash available to meet your income needs.","start":348.685,"end":367.52002,"sentiment":"neutral","sentiment_score":0.11818487668523983},{"text":"So we'd structure it in a different way to the way that it's invested now with in regards to the underlying investments.","start":367.74002,"end":376.67502,"sentiment":"neutral","sentiment_score":0.09375891665166075},{"text":"But the reason why we do transfer it typically to a pension pays is because when that income you draw down from your pension, which can be paid to you depending on what super fund you're with.","start":376.73502,"end":389.93002,"sentiment":"neutral","sentiment_score":0.07693537505897316}],"sentiment":"neutral","sentiment_score":0.08515104169889194,"num_words":164,"start":327.415,"end":389.93002},{"sentences":[{"text":"It can be paid weekly, fortnightly, monthly, quarterly, half yearly, yearly, whatever your preference is.","start":390.55002,"end":397.85,"sentiment":"neutral","sentiment_score":0.08696749359369278},{"text":"So if you're used to a weekly income, it can be paid weekly depending again on the super funds.","start":398.31,"end":404.745,"sentiment":"neutral","sentiment_score":0.06499338993116428},{"text":"Yep.","start":405.605,"end":406.105,"sentiment":"neutral","sentiment_score":0.16451770067214966},{"text":"So at the time, you decide what works best for you.","start":406.485,"end":409.625,"sentiment":"neutral","sentiment_score":0.21958663111383264},{"text":"You know, some people might say, I want the age pension one for one week and then my other pension from my super the following week.","start":410.405,"end":419.84,"sentiment":"neutral","sentiment_score":0.06891441345214844}],"sentiment":"neutral","sentiment_score":0.09598794729552335,"num_words":72,"start":390.55002,"end":419.84},{"sentences":[{"text":"So we would adjust it.","start":419.84,"end":421.14,"sentiment":"neutral","sentiment_score":0.08796886652708054},{"text":"It it just depends at that time.","start":421.52002,"end":423.54,"sentiment":"neutral","sentiment_score":0.08474217568125043},{"text":"So and then the income you receive from your pension is completely your superannuation pension is tax free.","start":423.84,"end":432.275,"sentiment":"neutral","sentiment_score":0.11634151409897539},{"text":"So you're not taxed on it.","start":432.655,"end":434.435,"sentiment":"neutral","sentiment_score":-0.2939356714487076},{"text":"That's why we typically say and and then all the earnings within that fund at with today's laws in place is all tax free as well.","start":434.495,"end":444.09,"sentiment":"neutral","sentiment_score":0.08865369397860307}],"sentiment":"neutral","sentiment_score":0.059170465015115276,"num_words":62,"start":419.84,"end":444.09},{"sentences":[{"text":"So all the gross because at the moment, in super accumulation phase, you're paying 15% on the gross within the funds.","start":444.31,"end":453.21,"sentiment":"neutral","sentiment_score":0.12134045220556713},{"text":"The government takes 15% of that on tax.","start":453.50998,"end":456.09,"sentiment":"neutral","sentiment_score":-0.014684378169476986},{"text":"When you're in pension phase, they take nothing.","start":456.395,"end":459.135,"sentiment":"neutral","sentiment_score":0.08827499439939857},{"text":"So we leave it invested so it continues to grow for longevity purposes to to try and ensure that you have an income for the remainder of your life.","start":459.515,"end":469.65,"sentiment":"positive","sentiment_score":0.3967879578985017},{"text":"So we as that time approaches, we start looking at different sort of retirement strategies that we can implement, but that's essentially how it works once you get to retirement age.","start":469.65,"end":486.735,"sentiment":"neutral","sentiment_score":0.2083731375394329}],"sentiment":"neutral","sentiment_score":0.21755971617459022,"num_words":97,"start":444.31,"end":486.735},{"sentences":[{"text":"Does that help?","start":486.795,"end":487.695,"sentiment":"neutral","sentiment_score":0.17448159058888754},{"text":"Yep.","start":494.155,"end":494.635,"sentiment":"neutral","sentiment_score":0.12144752591848372},{"text":"How much do you think the motor home is gonna be roughly?","start":494.635,"end":497.46,"sentiment":"neutral","sentiment_score":0.08602225532134374},{"text":"That plan to fund it from super?","start":506.02,"end":511.48502,"sentiment":"neutral","sentiment_score":0.0863522147493703},{"text":"Okay.","start":516.66504,"end":517.16504,"sentiment":"neutral","sentiment_score":0.05864615738391876}],"sentiment":"neutral","sentiment_score":0.09751129259044926,"num_words":24,"start":486.795,"end":517.16504},{"sentences":[{"text":"Yeah.","start":530.76,"end":531.26,"sentiment":"neutral","sentiment_score":0.004030754789710045},{"text":"Yep.","start":532.76,"end":533.24,"sentiment":"neutral","sentiment_score":0.05830193310976029},{"text":"Okay.","start":533.24,"end":533.72,"sentiment":"neutral","sentiment_score":0.09525255858898164},{"text":"Alright.","start":533.72,"end":534.135,"sentiment":"neutral","sentiment_score":0.11921529471874236},{"text":"So we can definite I'll I'll mark that down as a goal of yours, which we will keep touching on and tracking towards as retirement gets closer.","start":534.215,"end":543.515,"sentiment":"neutral","sentiment_score":0.22178215864631864}],"sentiment":"neutral","sentiment_score":0.2020941556341225,"num_words":31,"start":530.76,"end":543.515},{"sentences":[{"text":"You know, we've it it might be that, you know, as retirement gets closer and that's the goal, it might be that we have a conversation that, you know, 1,100 a week is not sustainable.","start":543.97504,"end":557.81,"sentiment":"neutral","sentiment_score":-0.17920021494584423},{"text":"Or it is sustainable, but the funds are gonna run out at x y zed.","start":558.27,"end":562.45,"sentiment":"neutral","sentiment_score":-0.2352443277835846},{"text":"So as we get closer to time and and we can project out balances in super a bit more accurately because even now, eleven years away, you know, projecting out, it's it's really just a figure that is fairly unreliable.","start":562.51,"end":581.08,"sentiment":"negative","sentiment_score":-0.34494660031050445},{"text":"So I'll mark that down as a goal that we can continue talking about and working towards.","start":582.98004,"end":588.92004,"sentiment":"neutral","sentiment_score":0.29147106496726766},{"text":"And as I said, as we get closer, we will start to look at things a little bit in a little bit more detail.","start":589.34503,"end":598.165,"sentiment":"neutral","sentiment_score":0.03196956046546499}],"sentiment":"neutral","sentiment_score":-0.13645999157758615,"num_words":131,"start":543.97504,"end":598.165},{"sentences":[{"text":"Beautiful.","start":600.065,"end":600.565,"sentiment":"positive","sentiment_score":0.6779797077178955},{"text":"I just wanted to check with you as well your debt levels.","start":602.625,"end":609.83997,"sentiment":"neutral","sentiment_score":0.2700172041853269},{"text":"Did you update those with Connor when you were speaking with him?","start":609.83997,"end":614.58,"sentiment":"neutral","sentiment_score":0.1076681570460399},{"text":"Yeah.","start":615.6,"end":615.83997,"sentiment":"neutral","sentiment_score":0.05224808305501938},{"text":"You did?","start":615.83997,"end":616.58,"sentiment":"neutral","sentiment_score":0.0642201416194439}],"sentiment":"neutral","sentiment_score":0.19253187174243586,"num_words":28,"start":600.065,"end":616.58},{"sentences":[{"text":"Alright.","start":616.64,"end":616.96,"sentiment":"neutral","sentiment_score":0.09052741527557372},{"text":"So you're are you still actively working towards paying those down?","start":616.96,"end":620.625,"sentiment":"neutral","sentiment_score":0.0768229490654035},{"text":"How are you going with that?","start":620.625,"end":622.005,"sentiment":"neutral","sentiment_score":0.10146724184354146},{"text":"Yep.","start":623.745,"end":624.245,"sentiment":"neutral","sentiment_score":0.0007629357278347015},{"text":"Yep.","start":625.825,"end":626.325,"sentiment":"neutral","sentiment_score":0.004254064057022333}],"sentiment":"neutral","sentiment_score":0.07747001529205591,"num_words":20,"start":616.64,"end":626.325},{"sentences":[{"text":"Yep.","start":628.78503,"end":629.28503,"sentiment":"neutral","sentiment_score":0.003071967978030443},{"text":"Okay.","start":629.505,"end":630.005,"sentiment":"neutral","sentiment_score":0.022926708683371544},{"text":"So I noticed that you have the car loan, a personal loan, a credit card, and a latitude card?","start":632.705,"end":639.57,"sentiment":"neutral","sentiment_score":0.008681517143390681},{"text":"Yep.","start":640.99,"end":641.49,"sentiment":"neutral","sentiment_score":0.005586438812315464},{"text":"I'm just looking.","start":642.75,"end":644.13,"sentiment":"neutral","sentiment_score":0.00005309819243848324}],"sentiment":"neutral","sentiment_score":0.007867729431018234,"num_words":25,"start":628.78503,"end":644.13},{"sentences":[{"text":"Have you thought about potentially consolidating those if possible for a and to pay off quicker?","start":644.59,"end":652.67505,"sentiment":"neutral","sentiment_score":-0.0007219911203719673},{"text":"Or because I'm not sure what the interest rates are.","start":652.67505,"end":654.755,"sentiment":"neutral","sentiment_score":-0.031781798042356965},{"text":"I'm assuming on a credit card and the latitude, that'd be But is that something that you've thought of?","start":654.755,"end":661.35,"sentiment":"neutral","sentiment_score":-0.00888907721290659},{"text":"Oh, is it?","start":666.69,"end":667.25,"sentiment":"neutral","sentiment_score":-0.00035489629954099655},{"text":"Okay.","start":667.25,"end":667.57,"sentiment":"neutral","sentiment_score":0.01718471758067608}],"sentiment":"neutral","sentiment_score":-0.009839638300259046,"num_words":49,"start":644.59,"end":667.57},{"sentences":[{"text":"Beautiful.","start":667.57,"end":668.07,"sentiment":"neutral","sentiment_score":0.12976600229740143},{"text":"Oh, fantastic.","start":670.85,"end":671.89496,"sentiment":"neutral","sentiment_score":0.17109926417469978},{"text":"Oh, beautiful.","start":673.475,"end":674.615,"sentiment":"neutral","sentiment_score":0.18030288815498352},{"text":"Yeah.","start":675.39496,"end":675.71497,"sentiment":"neutral","sentiment_score":0.10116134583950044},{"text":"Awesome.","start":675.71497,"end":676.21497,"sentiment":"neutral","sentiment_score":0.2469518780708313}],"sentiment":"neutral","sentiment_score":0.1686690758381571,"num_words":7,"start":667.57,"end":676.21497},{"sentences":[{"text":"Yeah.","start":678.675,"end":679.175,"sentiment":"neutral","sentiment_score":0.07699984312057495},{"text":"Fantastic.","start":679.555,"end":680.055,"sentiment":"positive","sentiment_score":0.4260358214378357},{"text":"Okay.","start":681.235,"end":681.735,"sentiment":"neutral","sentiment_score":0.012846913188695908},{"text":"What's the yep.","start":681.875,"end":684.09,"sentiment":"neutral","sentiment_score":-0.13751796136299768},{"text":"Okay.","start":687.13,"end":687.63,"sentiment":"neutral","sentiment_score":-0.0570712611079216}],"sentiment":"neutral","sentiment_score":0.006608204650027415,"num_words":7,"start":678.675,"end":687.63},{"sentences":[{"text":"Yeah.","start":687.69,"end":688.19,"sentiment":"neutral","sentiment_score":-0.060832295566797256},{"text":"I might actually just run through these with you because I don't know if this sheet's been filled out correctly, to be honest with you.","start":688.73004,"end":694.35004,"sentiment":"neutral","sentiment_score":-0.05091881901025772},{"text":"So I have the debt value for your car at 37.","start":694.49005,"end":697.77,"sentiment":"neutral","sentiment_score":0.007085011679340492},{"text":"Does that sound right?","start":697.77,"end":698.595,"sentiment":"neutral","sentiment_score":0.020639115711674094},{"text":"Right?","start":700.19495,"end":700.27496,"sentiment":"neutral","sentiment_score":0.02024681493639946}],"sentiment":"neutral","sentiment_score":-0.02745391344208093,"num_words":42,"start":687.69,"end":700.27496},{"sentences":[{"text":"Beautiful.","start":700.27496,"end":700.77496,"sentiment":"neutral","sentiment_score":0.14621582627296448},{"text":"A personal loan for 20?","start":701.07495,"end":702.855,"sentiment":"neutral","sentiment_score":0.027437979355454445},{"text":"Yep.","start":705.71497,"end":706.21497,"sentiment":"neutral","sentiment_score":-0.015807900577783585},{"text":"So the credit card has a nil balance, you're telling me?","start":706.51495,"end":710.295,"sentiment":"neutral","sentiment_score":-0.06046870520169085},{"text":"But a $10,000 limit?","start":711.59,"end":713.29004,"sentiment":"neutral","sentiment_score":-0.05757886450737715}],"sentiment":"neutral","sentiment_score":-0.028539699671620674,"num_words":22,"start":700.27496,"end":713.29004},{"sentences":[{"text":"Yes.","start":715.11,"end":715.51,"sentiment":"neutral","sentiment_score":-0.05033363401889801},{"text":"Okay.","start":715.51,"end":715.91003,"sentiment":"neutral","sentiment_score":-0.0931205153465271},{"text":"Sorry.","start":715.91003,"end":716.31,"sentiment":"neutral","sentiment_score":-0.20639300346374512},{"text":"It has been put in there that you've got a $10,000 debt.","start":716.31,"end":719.29004,"sentiment":"neutral","sentiment_score":-0.23492017512520155},{"text":"So I'm just gonna remove that.","start":719.35004,"end":721.05,"sentiment":"neutral","sentiment_score":-0.15632488578557968}],"sentiment":"neutral","sentiment_score":-0.19556374138309843,"num_words":21,"start":715.11,"end":721.05},{"sentences":[{"text":"And, yeah, it's just been put in the wrong section.","start":722.79004,"end":726.15,"sentiment":"neutral","sentiment_score":-0.10917932204902173},{"text":"That's all.","start":726.15,"end":726.825,"sentiment":"neutral","sentiment_score":-0.0804755799472332},{"text":"And the latitude card, what's the amount remaining on that?","start":728.585,"end":733.245,"sentiment":"neutral","sentiment_score":-0.02712103296071291},{"text":"Okay.","start":737.065,"end":737.465,"sentiment":"neutral","sentiment_score":-0.00681984331458807},{"text":"And is that a $20,000 limit?","start":737.465,"end":740.365,"sentiment":"neutral","sentiment_score":-0.008948865346610546}],"sentiment":"neutral","sentiment_score":-0.054636818806416,"num_words":29,"start":722.79004,"end":740.365},{"sentences":[{"text":"Yeah.","start":741.78503,"end":742.11,"sentiment":"neutral","sentiment_score":-0.009615795686841013},{"text":"Yeah.","start":742.35,"end":742.85,"sentiment":"neutral","sentiment_score":-0.02498366497457027},{"text":"Sorry.","start":743.07,"end":743.39,"sentiment":"neutral","sentiment_score":-0.09164251387119292},{"text":"It was in the wrong spot.","start":743.39,"end":744.93,"sentiment":"neutral","sentiment_score":-0.1392561768492063},{"text":"That's why I had that's why I was asking the question.","start":746.51,"end":750.52997,"sentiment":"neutral","sentiment_score":-0.05339906127615408}],"sentiment":"neutral","sentiment_score":-0.07745843548327684,"num_words":20,"start":741.78503,"end":750.52997},{"sentences":[{"text":"Alright.","start":750.67,"end":751.07,"sentiment":"neutral","sentiment_score":0.018630720674991608},{"text":"And we got a savings here of about 6,000.","start":751.07,"end":753.23,"sentiment":"neutral","sentiment_score":0.02762156507621209},{"text":"Is that right?","start":753.23,"end":753.2986,"sentiment":"neutral","sentiment_score":0.03455354832112789},{"text":"Yep.","start":753.2986,"end":753.3214,"sentiment":"neutral","sentiment_score":0.13975265622138977},{"text":"Fantastic.","start":753.3214,"end":753.3443,"sentiment":"positive","sentiment_score":0.5594740509986877}],"sentiment":"neutral","sentiment_score":0.0713408105696241,"num_words":15,"start":750.67,"end":753.3443},{"sentences":[{"text":"Beautiful.","start":753.3443,"end":753.3671,"sentiment":"positive","sentiment_score":0.585871160030365},{"text":"That's updated.","start":753.3671,"end":753.89,"sentiment":"positive","sentiment_score":0.48102933168411255},{"text":"So, Fantastic.","start":756.11,"end":758.685,"sentiment":"positive","sentiment_score":0.468012273311615},{"text":"Beautiful.","start":758.745,"end":759.245,"sentiment":"positive","sentiment_score":0.6323312520980835},{"text":"That's updated.","start":759.46497,"end":760.285,"sentiment":"positive","sentiment_score":0.4766892194747925}],"sentiment":"positive","sentiment_score":0.5087080076336861,"num_words":8,"start":753.3443,"end":760.285},{"sentences":[{"text":"So the and, additionally so you're going well on your debt.","start":760.82495,"end":767.305,"sentiment":"neutral","sentiment_score":0.2495466640049761},{"text":"That's perfect.","start":767.305,"end":768.125,"sentiment":"positive","sentiment_score":0.576044350862503},{"text":"No issues there.","start":768.185,"end":769.64496,"sentiment":"neutral","sentiment_score":0.2013163318236669},{"text":"You were you stick to it.","start":769.8,"end":774.6,"sentiment":"neutral","sentiment_score":0.1291605985412995},{"text":"You I love that.","start":774.6,"end":775.48,"sentiment":"positive","sentiment_score":0.44137121737003326}],"sentiment":"neutral","sentiment_score":0.27082690238379514,"num_words":26,"start":760.82495,"end":775.48},{"sentences":[{"text":"I have a I love that.","start":775.48,"end":782.6,"sentiment":"neutral","sentiment_score":0.2780828947822253},{"text":"That's exactly what I do, and I enforce that my husband does.","start":782.6,"end":786.10504,"sentiment":"neutral","sentiment_score":0.18205636801819006},{"text":"He doesn't like it, but he doesn't.","start":786.10504,"end":788.28503,"sentiment":"neutral","sentiment_score":0.006767249400062221},{"text":"So I love that.","start":789.465,"end":791.16504,"sentiment":"neutral","sentiment_score":0.27997931838035583},{"text":"Alright.","start":792.18506,"end":792.66504,"sentiment":"neutral","sentiment_score":0.03716807812452316}],"sentiment":"neutral","sentiment_score":0.16858766274526715,"num_words":30,"start":775.48,"end":792.66504},{"sentences":[{"text":"So you a you're invested a you're invested as a growth risk profile.","start":792.66504,"end":800.81,"sentiment":"neutral","sentiment_score":0.0059470004097630196},{"text":"No.","start":803.02997,"end":803.35,"sentiment":"neutral","sentiment_score":-0.03392944484949112},{"text":"Sorry.","start":803.35,"end":803.85,"sentiment":"neutral","sentiment_score":-0.04180638864636421},{"text":"Hang on.","start":804.31,"end":805.05,"sentiment":"neutral","sentiment_score":-0.03953774273395538},{"text":"My notes here.","start":805.26996,"end":806.32996,"sentiment":"neutral","sentiment_score":-0.02389896847307682}],"sentiment":"neutral","sentiment_score":-0.007459860952803865,"num_words":20,"start":792.66504,"end":806.32996},{"sentences":[{"text":"You were previously invested as a growth investor.","start":808.47,"end":812.81,"sentiment":"neutral","sentiment_score":-0.013165987329557538},{"text":"Your risk profile showed us.","start":813.76495,"end":815.20496,"sentiment":"neutral","sentiment_score":-0.012850386649370193},{"text":"You are still invested as a growth risk profile.","start":815.20496,"end":818.02496,"sentiment":"neutral","sentiment_score":-0.011101507892211279},{"text":"But when you completed the risk profile with Connor, the questions that he went through with you, you you might remember that some of them was what's the most aggressive investment you've made, how would you feel if your portfolio decreased by 20%.","start":818.88495,"end":834.46,"sentiment":"neutral","sentiment_score":-0.03808850006655205},{"text":"Do you remember those questions?","start":834.68,"end":835.98,"sentiment":"neutral","sentiment_score":-0.023789583519101144}],"sentiment":"neutral","sentiment_score":-0.028946383191006526,"num_words":70,"start":808.47,"end":835.98},{"sentences":[{"text":"Yeah.","start":837.8,"end":838.04,"sentiment":"neutral","sentiment_score":0.01921532116830349},{"text":"Yep.","start":838.04,"end":838.52,"sentiment":"neutral","sentiment_score":0.02095787040889263},{"text":"You came out as a moderate investor.","start":838.52,"end":840.54,"sentiment":"neutral","sentiment_score":0.010192037160907472},{"text":"So that's the step below a growth investor.","start":840.68,"end":844.625,"sentiment":"neutral","sentiment_score":0.010093612014316022},{"text":"So what we would see there is typically 70% invested in growth assets and 30% in your defensive assets.","start":844.765,"end":855.36,"sentiment":"neutral","sentiment_score":0.001852164731213921}],"sentiment":"neutral","sentiment_score":0.00631826326975392,"num_words":36,"start":837.8,"end":855.36},{"sentences":[{"text":"Assets.","start":856.72,"end":857.22,"sentiment":"neutral","sentiment_score":-0.0036433979403227568},{"text":"So I'm just my question to you is more so, do you think you do wanna lower your exposure to the growth assets, or are you comfortable remaining on a growth risk profile, which is 80% gross asset.","start":857.36,"end":872.555,"sentiment":"neutral","sentiment_score":-0.011403573021341703},{"text":"To give you any yeah.","start":874.255,"end":877.83496,"sentiment":"neutral","sentiment_score":-0.007858733087778092},{"text":"Yeah.","start":878.615,"end":878.69495,"sentiment":"neutral","sentiment_score":-0.031973790377378464},{"text":"Yep.","start":878.69495,"end":879.19495,"sentiment":"neutral","sentiment_score":0.0563790425658226}],"sentiment":"neutral","sentiment_score":-0.009823208391342474,"num_words":46,"start":856.72,"end":879.19495},{"sentences":[{"text":"Okay.","start":885.87,"end":886.37,"sentiment":"neutral","sentiment_score":0.1423853039741516},{"text":"So let alright.","start":886.99,"end":893.81,"sentiment":"neutral","sentiment_score":0.04084644466638565},{"text":"Okay.","start":897.23,"end":897.73,"sentiment":"neutral","sentiment_score":0.16461145877838135},{"text":"So I'm gonna give you two bits of information that might help you.","start":897.79,"end":901.33,"sentiment":"neutral","sentiment_score":0.23905237248310676},{"text":"Because what I want to do is make sure that you pass what I call the sleep at night test.","start":901.445,"end":906.425,"sentiment":"neutral","sentiment_score":0.3213814549148083}],"sentiment":"neutral","sentiment_score":0.2622327904560064,"num_words":38,"start":885.87,"end":906.425},{"sentences":[{"text":"There's no worry.","start":907.685,"end":908.565,"sentiment":"positive","sentiment_score":0.36703675985336304},{"text":"You're not concerned.","start":908.565,"end":909.545,"sentiment":"positive","sentiment_score":0.5001984039942423},{"text":"You sleep well.","start":909.765,"end":910.745,"sentiment":"positive","sentiment_score":0.5920049746831259},{"text":"You're not lying there worrying about your super.","start":910.805,"end":913.225,"sentiment":"neutral","sentiment_score":0.26244728825986385},{"text":"So, basically, I'm gonna okay.","start":913.64996,"end":918.05,"sentiment":"neutral","sentiment_score":0.15692655444145204}],"sentiment":"neutral","sentiment_score":0.3300877951762893,"num_words":22,"start":907.685,"end":918.05},{"sentences":[{"text":"Well, maybe you won't we should stick with yep.","start":918.05,"end":923.99,"sentiment":"neutral","sentiment_score":0.05038181692361832},{"text":"Yep.","start":924.12994,"end":924.62994,"sentiment":"neutral","sentiment_score":0.03796164318919182},{"text":"Alright.","start":927.97,"end":928.44995,"sentiment":"neutral","sentiment_score":0.08067882061004639},{"text":"Well, if we look at it this way, you've got eleven years till your retirement, your planned retirement.","start":928.44995,"end":934.365,"sentiment":"neutral","sentiment_score":0.05732018583350711},{"text":"A gross portfolio, we recommend an investment time frame of a minimum of six years, and a moderate profile is a minimum of five years.","start":935.385,"end":944.47,"sentiment":"neutral","sentiment_score":0.04967762485146523}],"sentiment":"neutral","sentiment_score":0.05269964411854744,"num_words":54,"start":918.05,"end":944.47},{"sentences":[{"text":"So there's not much difference between the two time frame wise as to why we recommend the minimum holding in time frame.","start":944.47,"end":954.23,"sentiment":"neutral","sentiment_score":-0.039418290348046205},{"text":"And that's just simply to allow for recovering of market fluctuations, so volatility.","start":954.23,"end":960.245,"sentiment":"neutral","sentiment_score":-0.06643050565169407},{"text":"So, you know, one year, we might have a terrible, terrible year, and it might take eighteen months, two years to recover.","start":961.58496,"end":969.20496,"sentiment":"neutral","sentiment_score":-0.23786154118451205},{"text":"That's why, though, like, to recover fully.","start":969.57996,"end":971.74,"sentiment":"neutral","sentiment_score":-0.10644562861749104},{"text":"So that's the time frame.","start":971.74,"end":973.2,"sentiment":"neutral","sentiment_score":-0.02467919886112213}],"sentiment":"neutral","sentiment_score":-0.1135111342292225,"num_words":69,"start":944.47,"end":973.2},{"sentences":[{"text":"And the difference between a growth and moderate portfolio, this is probably the big one.","start":973.98,"end":979.76,"sentiment":"neutral","sentiment_score":-0.07989832907915115},{"text":"It's not what your average expected return to be is because they're both relatively similar, you know, either side of each other, but it's the the volatility you can expect.","start":980.45996,"end":994.605,"sentiment":"neutral","sentiment_score":-0.10918633226926128},{"text":"So with a growth portfolio, statistically, we say you can experience a plus or minus 11% fluctuation.","start":994.985,"end":1005.73004,"sentiment":"neutral","sentiment_score":-0.0872916728258133},{"text":"So that could be a negative like, you know, a really, really bad year, like, let's say, the GFC, for example, you could expect a negative 11% return.","start":1006.99,"end":1015.405,"sentiment":"negative","sentiment_score":-0.4396083024995668},{"text":"On a good year, statistically, you could go potentially an 11 return, whereas a moderate is a plus or minus 8% return.","start":1016.825,"end":1027.14,"sentiment":"neutral","sentiment_score":0.08454957689073953}],"sentiment":"neutral","sentiment_score":-0.1464907600062101,"num_words":112,"start":973.98,"end":1027.14},{"sentences":[{"text":"So there is a little bit of movement there in relation to what you could expect statistically.","start":1027.76,"end":1034.5801,"sentiment":"neutral","sentiment_score":0.07337437876883675},{"text":"So it it's really within your your comfort levels, I guess, is what I'm saying.","start":1036.0801,"end":1043.7849,"sentiment":"neutral","sentiment_score":0.18378580249845983},{"text":"So I think it's hard for I mean, I can make recommendation as as to what I think you should what risk profile you go with.","start":1046.325,"end":1060.95,"sentiment":"neutral","sentiment_score":-0.20028557227208063},{"text":"I am happy to do so, but I want to make sure that, you know, you said you're not concerned about it at the moment anyway, and you don't you only check it once a month.","start":1062.45,"end":1073.195,"sentiment":"neutral","sentiment_score":0.10926202136195368},{"text":"But if you're happy and that you're yep.","start":1073.195,"end":1078.38,"sentiment":"neutral","sentiment_score":-0.1286144880577922}],"sentiment":"neutral","sentiment_score":0.016678857470990394,"num_words":102,"start":1027.76,"end":1078.38},{"sentences":[{"text":"Yeah.","start":1083.98,"end":1084.38,"sentiment":"neutral","sentiment_score":-0.07549338042736053},{"text":"It's very true.","start":1084.38,"end":1085.4401,"sentiment":"neutral","sentiment_score":-0.11123457302649815},{"text":"Yeah.","start":1086.38,"end":1086.62,"sentiment":"neutral","sentiment_score":0.05553270131349563},{"text":"It's for it's it's the future.","start":1086.62,"end":1088.38,"sentiment":"neutral","sentiment_score":0.12787269925077757},{"text":"It's a it's a thing we all face, isn't it?","start":1088.38,"end":1091.28,"sentiment":"neutral","sentiment_score":0.0409491240978241}],"sentiment":"neutral","sentiment_score":0.039193478013787954,"num_words":21,"start":1083.98,"end":1091.28},{"sentences":[{"text":"Yep.","start":1095.625,"end":1096.125,"sentiment":"neutral","sentiment_score":0.03264891728758812},{"text":"Yeah.","start":1100.825,"end":1100.905,"sentiment":"neutral","sentiment_score":0.06802203506231308},{"text":"Yeah.","start":1100.905,"end":1101.405,"sentiment":"neutral","sentiment_score":0.0555502213537693},{"text":"Yeah.","start":1104.185,"end":1104.685,"sentiment":"neutral","sentiment_score":0.03824752941727638},{"text":"Well, I'm gonna recommend yeah.","start":1104.985,"end":1112.17,"sentiment":"neutral","sentiment_score":0.2324172094464302}],"sentiment":"neutral","sentiment_score":0.15072830559478867,"num_words":9,"start":1095.625,"end":1112.17},{"sentences":[{"text":"Yeah.","start":1112.2301,"end":1112.55,"sentiment":"neutral","sentiment_score":0.23457346856594088},{"text":"And yeah.","start":1112.55,"end":1113.27,"sentiment":"neutral","sentiment_score":0.2701025456190109},{"text":"I a 100% I a 100% agree with you there.","start":1113.27,"end":1116.49,"sentiment":"positive","sentiment_score":0.3588360697031021},{"text":"Anything can happen any day.","start":1116.7101,"end":1118.2301,"sentiment":"neutral","sentiment_score":0.30965648889541625},{"text":"We never know when our time's up.","start":1118.2301,"end":1120.0901,"sentiment":"neutral","sentiment_score":0.02622484029935939}],"sentiment":"neutral","sentiment_score":0.24379982333630323,"num_words":25,"start":1112.2301,"end":1120.0901},{"sentences":[{"text":"I'm gonna recommend that you stick with a gross risk profile.","start":1121.755,"end":1124.655,"sentiment":"neutral","sentiment_score":0.0726659523153847},{"text":"The reason being, you've got time on your side.","start":1124.795,"end":1127.375,"sentiment":"neutral","sentiment_score":0.06278162863519457},{"text":"You're not concerned about market movements as it is at the moment.","start":1128.155,"end":1133.4551,"sentiment":"neutral","sentiment_score":-0.04277002656211456},{"text":"We're gonna continue to in and review it at all of our reviews anyway.","start":1133.515,"end":1137.52,"sentiment":"neutral","sentiment_score":0.1260322236589023},{"text":"And when the time comes that it is appropriate to start reducing exposure to growth assets as we near retirement, that conversation's gonna be had anyway.","start":1137.8201,"end":1147.725,"sentiment":"neutral","sentiment_score":0.12027058779047085}],"sentiment":"neutral","sentiment_score":0.07975841983635393,"num_words":72,"start":1121.755,"end":1147.725},{"sentences":[{"text":"Yeah.","start":1149.645,"end":1150.0449,"sentiment":"neutral","sentiment_score":0.08552248775959015},{"text":"Okay.","start":1150.0449,"end":1150.365,"sentiment":"neutral","sentiment_score":0.0864664614200592},{"text":"So are you comfortable with maintaining that growth profile?","start":1150.365,"end":1153.4249,"sentiment":"neutral","sentiment_score":0.14762819392813575},{"text":"Beautiful.","start":1155.565,"end":1156.065,"sentiment":"positive","sentiment_score":0.5868465900421143},{"text":"Alright.","start":1156.765,"end":1157.265,"sentiment":"positive","sentiment_score":0.34876152873039246}],"sentiment":"neutral","sentiment_score":0.18740390871579832,"num_words":13,"start":1149.645,"end":1157.265},{"sentences":[{"text":"I don't really have any other questions.","start":1158.205,"end":1162.4716,"sentiment":"neutral","sentiment_score":0.05746453468288694},{"text":"Do you have any questions.","start":1162.4716,"end":1164.03,"sentiment":"neutral","sentiment_score":0.0757710576057434},{"text":"Do you have any questions for me?","start":1164.03,"end":1166.29,"sentiment":"neutral","sentiment_score":0.05289709834115846},{"text":"No?","start":1169.31,"end":1169.81,"sentiment":"neutral","sentiment_score":-0.05403127893805504},{"text":"Yeah.","start":1171.4701,"end":1171.9701,"sentiment":"neutral","sentiment_score":0.1827150881290436}],"sentiment":"neutral","sentiment_score":0.06095573944704873,"num_words":21,"start":1158.205,"end":1171.9701},{"sentences":[{"text":"I'll do my best.","start":1174.1901,"end":1175.41,"sentiment":"positive","sentiment_score":0.36373743414878845},{"text":"The only actually, do you have a power of attorney in place?","start":1177.445,"end":1180.425,"sentiment":"neutral","sentiment_score":-0.02268054662272334},{"text":"So what's that yep.","start":1184.885,"end":1190.025,"sentiment":"neutral","sentiment_score":-0.046384187415242195},{"text":"So a yeah.","start":1190.8301,"end":1192.8301,"sentiment":"neutral","sentiment_score":-0.0277476425593098},{"text":"So that's a separate document.","start":1192.8301,"end":1194.29,"sentiment":"neutral","sentiment_score":0.0071280675008893015}],"sentiment":"neutral","sentiment_score":0.033915851331715076,"num_words":28,"start":1174.1901,"end":1194.29},{"sentences":[{"text":"What it does is it allows someone to make decisions on your behalf whilst you're alive.","start":1196.51,"end":1201.7301,"sentiment":"neutral","sentiment_score":0.040448110667057335},{"text":"Yes.","start":1203.4701,"end":1203.9701,"sentiment":"neutral","sentiment_score":-0.005060475319623947},{"text":"Very, very Yeah.","start":1204.75,"end":1207.125,"sentiment":"neutral","sentiment_score":0.033398792147636414},{"text":"Yeah.","start":1207.125,"end":1207.625,"sentiment":"neutral","sentiment_score":-0.007025802507996559},{"text":"Well, not even sensible decisions.","start":1207.7649,"end":1209.445,"sentiment":"neutral","sentiment_score":-0.14795710742473603}],"sentiment":"neutral","sentiment_score":-0.0001732949167489995,"num_words":26,"start":1196.51,"end":1209.445},{"sentences":[{"text":"It could be that I always refer to yesterday.","start":1209.445,"end":1215.3849,"sentiment":"neutral","sentiment_score":-0.07168991077277395},{"text":"Yeah.","start":1216.8049,"end":1217.125,"sentiment":"neutral","sentiment_score":-0.026569508016109467},{"text":"Or you're in a coma or some there's you know, bills need paying.","start":1217.125,"end":1222.87,"sentiment":"neutral","sentiment_score":-0.07058254228188442},{"text":"You know, there's someone needs to be able to do that on your behalf.","start":1223.5701,"end":1227.8301,"sentiment":"neutral","sentiment_score":-0.010128797164985113},{"text":"A lot of as you know, even with us, we get you to go through security.","start":1228.29,"end":1233.035,"sentiment":"neutral","sentiment_score":0.014271419495344162}],"sentiment":"neutral","sentiment_score":-0.028354947226789762,"num_words":53,"start":1209.445,"end":1233.035},{"sentences":[{"text":"If something happened to you, your partner wouldn't be out.","start":1233.5751,"end":1236.055,"sentiment":"neutral","sentiment_score":-0.07245873510837555},{"text":"We wouldn't be able to speak to her without that document.","start":1236.055,"end":1239.3551,"sentiment":"neutral","sentiment_score":-0.05368482931093736},{"text":"So it's a it's a relatively simple document.","start":1239.8151,"end":1243.435,"sentiment":"neutral","sentiment_score":0.158127686008811},{"text":"I can send you an email on some in some links to it and also how you can establish them.","start":1244.135,"end":1252.94,"sentiment":"neutral","sentiment_score":0.10224603526294232},{"text":"If you like, you can get advice from a lawyer to do it.","start":1254.0399,"end":1257.48,"sentiment":"neutral","sentiment_score":0.04237936129077123}],"sentiment":"neutral","sentiment_score":0.04106053897750474,"num_words":62,"start":1233.5751,"end":1257.48},{"sentences":[{"text":"Some of the some of them you can do it yourself, to be honest with you.","start":1257.48,"end":1260.825,"sentiment":"neutral","sentiment_score":0.028672070242464542},{"text":"So I'll send you some information on that.","start":1260.985,"end":1263.7849,"sentiment":"neutral","sentiment_score":0.0607615802437067},{"text":"It's an important document to have in place.","start":1263.7849,"end":1266.445,"sentiment":"neutral","sentiment_score":0.06419750303030014},{"text":"And Yep.","start":1266.825,"end":1271.625,"sentiment":"neutral","sentiment_score":0.027322104200720787},{"text":"Okay.","start":1271.625,"end":1272.125,"sentiment":"neutral","sentiment_score":0.02638140879571438}],"sentiment":"neutral","sentiment_score":0.04398432592196124,"num_words":35,"start":1257.48,"end":1272.125},{"sentences":[{"text":"Yeah.","start":1272.505,"end":1272.9049,"sentiment":"neutral","sentiment_score":0.02324901521205902},{"text":"Yeah.","start":1272.9049,"end":1273.4049,"sentiment":"neutral","sentiment_score":0.022195108234882355},{"text":"And you have a partner.","start":1276.71,"end":1277.91,"sentiment":"neutral","sentiment_score":0.013537517003715038},{"text":"I have you down as single.","start":1277.91,"end":1279.45,"sentiment":"neutral","sentiment_score":0.011178953728328148},{"text":"What's your partner's name?","start":1279.91,"end":1281.29,"sentiment":"neutral","sentiment_score":0.007113128318451345}],"sentiment":"neutral","sentiment_score":0.012273996712311226,"num_words":17,"start":1272.505,"end":1281.29},{"sentences":[{"text":"Ren.","start":1284.3099,"end":1284.63,"sentiment":"neutral","sentiment_score":0.003657825523987413},{"text":"How do I spell that?","start":1284.63,"end":1285.77,"sentiment":"neutral","sentiment_score":0.004226232971996069},{"text":"R e n.","start":1287.67,"end":1288.55,"sentiment":"neutral","sentiment_score":0.0007262011058628559},{"text":"Obvious.","start":1288.55,"end":1289.05,"sentiment":"neutral","sentiment_score":0.004443695768713951},{"text":"I just wanted to make sure.","start":1289.19,"end":1290.73,"sentiment":"neutral","sentiment_score":0.03249763355900844}],"sentiment":"neutral","sentiment_score":0.014149818176520057,"num_words":16,"start":1284.3099,"end":1290.73},{"sentences":[{"text":"Do you want her noted as your next of kin should anything happen to you or that we need to contact you urgently about anything?","start":1291.655,"end":1299.115,"sentiment":"neutral","sentiment_score":0.03070191338658333},{"text":"Yeah.","start":1301.415,"end":1301.915,"sentiment":"neutral","sentiment_score":0.028987424448132515},{"text":"What's her best number?","start":1302.535,"end":1303.85,"sentiment":"neutral","sentiment_score":0.01958760363049805},{"text":"Yep.","start":1306.23,"end":1306.73,"sentiment":"neutral","sentiment_score":0.012293417006731032},{"text":"Nine zero 6000.","start":1308.79,"end":1312.89,"sentiment":"neutral","sentiment_score":0.018241095667084057}],"sentiment":"neutral","sentiment_score":0.027703011107137975,"num_words":34,"start":1291.655,"end":1312.89},{"sentences":[{"text":"Beautiful.","start":1313.35,"end":1313.85,"sentiment":"positive","sentiment_score":0.5575437545776367},{"text":"That's a nice easy number to remember.","start":1314.15,"end":1316.01,"sentiment":"positive","sentiment_score":0.6068662234715053},{"text":"And what's her surname?","start":1316.07,"end":1319.545,"sentiment":"neutral","sentiment_score":0.07441045809537172},{"text":"Mason.","start":1319.765,"end":1320.265,"sentiment":"neutral","sentiment_score":0.06282126158475876},{"text":"Beautiful.","start":1320.5651,"end":1321.0651,"sentiment":"positive","sentiment_score":0.34227991104125977}],"sentiment":"positive","sentiment_score":0.3934535945632628,"num_words":14,"start":1313.35,"end":1321.0651},{"sentences":[{"text":"I'll update that to make sure that that is recorded.","start":1321.765,"end":1326.025,"sentiment":"neutral","sentiment_score":0.16628315150737763},{"text":"Alright.","start":1326.3251,"end":1326.8251,"sentiment":"neutral","sentiment_score":0.09229575097560884},{"text":"I'm gonna email you some information on house of attorney.","start":1327.125,"end":1332.7899,"sentiment":"neutral","sentiment_score":0.07146861888468266},{"text":"And then just lastly, did you wanna look at your insurances, say your life, TPD, income protection, trauma insurance?","start":1333.25,"end":1339.59,"sentiment":"neutral","sentiment_score":0.025376287730116593},{"text":"Yeah?","start":1344.0499,"end":1344.435,"sentiment":"neutral","sentiment_score":-0.01832987554371357}],"sentiment":"neutral","sentiment_score":0.07155202551767594,"num_words":41,"start":1321.765,"end":1344.435},{"sentences":[{"text":"Nope.","start":1344.915,"end":1345.155,"sentiment":"neutral","sentiment_score":-0.07517299801111221},{"text":"That's okay.","start":1345.155,"end":1346.055,"sentiment":"neutral","sentiment_score":0.00815934268757701},{"text":"Alright.","start":1346.1951,"end":1346.515,"sentiment":"neutral","sentiment_score":0.0730944275856018},{"text":"What I'm gonna do, Steven, is I'm gonna go and add to my homework list looking at those investment options.","start":1346.515,"end":1353.255,"sentiment":"neutral","sentiment_score":0.061486218310892585},{"text":"And I am also gonna email you some details about a power of attorney.","start":1355.4751,"end":1360.7,"sentiment":"neutral","sentiment_score":0.06583651580980845}],"sentiment":"neutral","sentiment_score":0.05699146585538983,"num_words":38,"start":1344.915,"end":1360.7},{"sentences":[{"text":"So you can look at getting that in place for yourself.","start":1361.48,"end":1368.22,"sentiment":"neutral","sentiment_score":0.055624522268772125},{"text":"Beautiful.","start":1370.44,"end":1370.94,"sentiment":"positive","sentiment_score":0.4574190378189087},{"text":"Alright.","start":1371.4,"end":1371.88,"sentiment":"neutral","sentiment_score":0.3224387466907501},{"text":"Is there anything else I can help you with today?","start":1371.88,"end":1374.075,"sentiment":"neutral","sentiment_score":0.2133248120546341},{"text":"Yeah?","start":1377.9149,"end":1378.3949,"sentiment":"neutral","sentiment_score":0.1193479597568512}],"sentiment":"neutral","sentiment_score":0.1518468170737227,"num_words":24,"start":1361.48,"end":1378.3949},{"sentences":[{"text":"Okay.","start":1378.3949,"end":1378.8949,"sentiment":"neutral","sentiment_score":0.1698608100414276},{"text":"Alright.","start":1379.195,"end":1379.695,"sentiment":"neutral","sentiment_score":0.2698284983634949},{"text":"Beautiful.","start":1379.755,"end":1380.255,"sentiment":"positive","sentiment_score":0.4401223659515381},{"text":"Well, if you do need help with anything else, let me know, and we can, you know, just pick up the call, pick up the phone, shoot us an email, and we can get that.","start":1380.3949,"end":1394.8,"sentiment":"neutral","sentiment_score":0.22540705842631203},{"text":"We can help you with whatever it is that you need.","start":1396.46,"end":1398.88,"sentiment":"positive","sentiment_score":0.3613003844564611}],"sentiment":"neutral","sentiment_score":0.26006863159792765,"num_words":49,"start":1378.3949,"end":1398.88},{"sentences":[{"text":"Beautiful.","start":1401.1799,"end":1401.58,"sentiment":"positive","sentiment_score":0.5723226070404053},{"text":"Well, I'll be in contact in about probably about two weeks or so to set in a time just to present the recommendations to you, and we'll go from there.","start":1401.58,"end":1413.2949,"sentiment":"neutral","sentiment_score":0.14500511698424817},{"text":"Fantastic.","start":1415.0349,"end":1415.5349,"sentiment":"positive","sentiment_score":0.8755897283554077},{"text":"Thanks for your time today.","start":1415.7549,"end":1417.0549,"sentiment":"positive","sentiment_score":0.7835265398025513},{"text":"Okay.","start":1418.7949,"end":1419.2949,"sentiment":"positive","sentiment_score":0.34573128819465637}],"sentiment":"neutral","sentiment_score":0.2647744692665966,"num_words":38,"start":1401.1799,"end":1419.2949},{"sentences":[{"text":"Bye.","start":1419.3549,"end":1419.8549,"sentiment":"neutral","sentiment_score":0.32546985149383545}],"sentiment":"neutral","sentiment_score":0.32546985149383545,"num_words":1,"start":1419.3549,"end":1419.8549}]}}]},{"alternatives":[{"transcript":"Hello? Hey. Good. Thank you. Yep. Yep. It's Steven Kent. The third eleven sixty nine, and it's 50 Hereford Road, Mount Evelyn, Victoria. Yep. Yep. Yeah. Yep. Yep. Yeah. Yeah. Yeah. Yep. Yep. Okay. Yep. Yep. Yep. Sounds good. Yep. No. No. I sorta don't understand the whole superannuation thing anyway, but but as long as I've got some money when I retire, so I think that's all that matters. Oh, I know the the overall super is when you retire, you've got some some money, but how it works when you retire, that I don't understand whether you get it in one lump sum or you just get bits of it every year or or what. Oh, I get well, I don't know when you can start getting the pension. Oh, okay. Well, I've gotta retire at 67 then. I'd like to retire earlier, but yeah. Probably. Yep. Yep. Okay. Okay. Oh, okay. Oh, my I get paid fortnightly. So Yep. Oh, okay. Oh, okay. Okay. Yeah. Oh, okay. Okay. Yep. Yep. Because my my whole idea when I retire is I wanna buy a motor home and just travel around Australia. Well well, I don't know. Depending on the sort I get, but I'm thinking maybe, like, up to a 120,000. Yeah. That was my plan, and then whatever was left, then just sort of use that as, like, income for traveling around and whatnot because I was gonna just do odd jobs as I was going around. Yeah. Yeah. Yep. Okay. Yeah. Yep. Yep. Yeah. Yeah. No. I just I pay all my bills every every month or fortnight, when whichever ones they come out and so then. So yep. Well, my Latitude card is interest free. I've only used it as an interest for for interest free purchases. So I usually have it all paid off before interest starts because I always pay more than what I'm I normally what their monthly thing is. And my other credit card, it's it's full. Like, it's not even used. Yep. Yep. Yep. But it has a 10,000 limit. Yeah. Oh, okay. No. That's just a $10,000 credit card. Okay. 13,000. Yeah. Yep. Okay. Yeah. Yep. No. Because I have a I have a budget, and I stick to the budget. So all my all my bills get paid first, and then whatever's left over is what I use as my spending money. Yep. Oh, yeah. Yep. Yeah. So that's the other thing I've I don't I'm not sure of either. Like, I just I'm just happy to see that if my the money that's in my super just keeps going up. So but but the other things and that's how they work, I'm not a 100% sure on, but that's why I guess I'll leave it up to you guys and see what what whatever you think is best. Yep. Well, I don't worry about it anyway. I just I just I just check it every month and just see how it's going and and and all that. I don't even bother about it. Yeah. Yep. Yep. Yep. Okay. Yep. Okay. Yep. Okay. Yep. Yep. No. My my my my my my attitude on live is the reason I don't worry about too much about my Subaru is because one day I could just walk out and start and get hit by bus, and I'm not gonna see my Subaru anyway. So yeah. So that's why I don't bother with my super because I'll worry about that when the time comes when I actually get to the get to go and use it. So then but until then, I don't bother I don't worry about it. So then because things can just happen, like, in a blink of an eye just for any reason. So Nine. Yep. Yep. Yep. Okay. Yeah. Yep. No. It's it's all good. Just keep growing my money. I'm not sure. My my partner is on my will, but I don't know if she's power turning. Oh, if I'm on if I can't if I can't make sensible decisions. If I get hit by a button or vegetable. Yep. Yep. Okay. Yep. Yep. Yep. Yep. Okay. Okay. Yeah. I've got I think I've got one for my sister. I'm I'm her power of attorney, I think. So yeah. Ren. R e n. Yep. Yeah. Yep. 0400, 906000. Yeah. Mason. No. I'm alright for that. Yep. Okay. Yep. No. That's that's about it. Thank you. Yep. Okay. Sounds good. Yep. Okay. Alright. Sounds good. Alright. Alright. Thank you. Alright. Bye 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Hey. Good. Thank you. Yep.\n\nYep. It's Steven Kent. The third eleven sixty nine, and it's 50 Hereford Road, Mount Evelyn, Victoria. Yep. Yep.\n\nYeah. Yep. Yep. Yeah. Yeah.\n\nYeah. Yep. Yep. Okay. Yep.\n\nYep. Yep. Sounds good. Yep. No.\n\nNo. I sorta don't understand the whole superannuation thing anyway, but but as long as I've got some money when I retire, so I think that's all that matters. Oh, I know the the overall super is when you retire, you've got some some money, but how it works when you retire, that I don't understand whether you get it in one lump sum or you just get bits of it every year or or what. Oh, I get well, I don't know when you can start getting the pension. Oh, okay.\n\nWell, I've gotta retire at 67 then. I'd like to retire earlier, but yeah. Probably. Yep. Yep.\n\nOkay. Okay. Oh, okay. Oh, my I get paid fortnightly. So Yep.\n\nOh, okay. Oh, okay. Okay. Yeah. Oh, okay.\n\nOkay. Yep. Yep. Because my my whole idea when I retire is I wanna buy a motor home and just travel around Australia. Well well, I don't know.\n\nDepending on the sort I get, but I'm thinking maybe, like, up to a 120,000. Yeah. That was my plan, and then whatever was left, then just sort of use that as, like, income for traveling around and whatnot because I was gonna just do odd jobs as I was going around. Yeah. Yeah.\n\nYep. Okay. Yeah. Yep. Yep.\n\nYeah. Yeah. No. I just I pay all my bills every every month or fortnight, when whichever ones they come out and so then. So yep.\n\nWell, my Latitude card is interest free. I've only used it as an interest for for interest free purchases. So I usually have it all paid off before interest starts because I always pay more than what I'm I normally what their monthly thing is. And my other credit card, it's it's full. Like, it's not even used.\n\nYep. Yep. Yep. But it has a 10,000 limit. Yeah.\n\nOh, okay. No. That's just a $10,000 credit card. Okay. 13,000.\n\nYeah. Yep. Okay. Yeah. Yep.\n\nNo. Because I have a I have a budget, and I stick to the budget. So all my all my bills get paid first, and then whatever's left over is what I use as my spending money. Yep. Oh, yeah.\n\nYep. Yeah. So that's the other thing I've I don't I'm not sure of either. Like, I just I'm just happy to see that if my the money that's in my super just keeps going up. So but but the other things and that's how they work, I'm not a 100% sure on, but that's why I guess I'll leave it up to you guys and see what what whatever you think is best.\n\nYep. Well, I don't worry about it anyway. I just I just I just check it every month and just see how it's going and and and all that. I don't even bother about it. Yeah.\n\nYep. Yep. Yep. Okay. Yep.\n\nOkay. Yep. Okay. Yep. Yep.\n\nNo. My my my my my my attitude on live is the reason I don't worry about too much about my Subaru is because one day I could just walk out and start and get hit by bus, and I'm not gonna see my Subaru anyway. So yeah. So that's why I don't bother with my super because I'll worry about that when the time comes when I actually get to the get to go and use it. So then but until then, I don't bother I don't worry about it.\n\nSo then because things can just happen, like, in a blink of an eye just for any reason. So Nine. Yep. Yep. Yep.\n\nOkay. Yeah. Yep. No. It's it's all good.\n\nJust keep growing my money. I'm not sure. My my partner is on my will, but I don't know if she's power turning. Oh, if I'm on if I can't if I can't make sensible decisions. If I get hit by a button or vegetable.\n\nYep. Yep. Okay. Yep. Yep.\n\nYep. Yep. Okay. Okay. Yeah.\n\nI've got I think I've got one for my sister. I'm I'm her power of attorney, I think. So yeah. Ren. R e n.\n\nYep. Yeah. Yep. 0400, 906000. Yeah.\n\nMason. No. I'm alright for that. Yep. Okay.\n\nYep. No. That's that's about it. Thank you. Yep.\n\nOkay. Sounds good. Yep. Okay. Alright.\n\nSounds good. Alright. Alright. Thank you. Alright.\n\nBye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.64,"end":1.14,"sentiment":"neutral","sentiment_score":0.014513663947582243},{"text":"Hey.","start":5.7599998,"end":6.0,"sentiment":"neutral","sentiment_score":0.1725420355796814},{"text":"Good.","start":6.0,"end":6.16,"sentiment":"positive","sentiment_score":0.41066890954971313},{"text":"Thank you.","start":6.16,"end":6.8999996,"sentiment":"positive","sentiment_score":0.5914592146873474},{"text":"Yep.","start":12.855,"end":13.355,"sentiment":"neutral","sentiment_score":0.022339358925819397}],"sentiment":"neutral","sentiment_score":0.30049706622958183,"num_words":6,"start":0.64,"end":13.355},{"sentences":[{"text":"Yep.","start":22.055,"end":22.455,"sentiment":"neutral","sentiment_score":0.02646522969007492},{"text":"It's Steven Kent.","start":22.455,"end":23.654999,"sentiment":"neutral","sentiment_score":0.0182432954510053},{"text":"The third eleven sixty nine, and it's 50 Hereford Road, Mount Evelyn, Victoria.","start":23.654999,"end":40.65,"sentiment":"neutral","sentiment_score":0.031516278019318215},{"text":"Yep.","start":41.829998,"end":42.329998,"sentiment":"neutral","sentiment_score":0.02641577087342739},{"text":"Yep.","start":49.565002,"end":50.065002,"sentiment":"neutral","sentiment_score":0.01262959372252226}],"sentiment":"neutral","sentiment_score":0.027892215520535644,"num_words":19,"start":22.055,"end":50.065002},{"sentences":[{"text":"Yeah.","start":52.045,"end":52.445,"sentiment":"neutral","sentiment_score":-0.0012186691164970398},{"text":"Yep.","start":52.445,"end":52.945,"sentiment":"neutral","sentiment_score":-0.007377562578767538},{"text":"Yep.","start":84.91499,"end":85.14,"sentiment":"neutral","sentiment_score":-0.0978538617491722},{"text":"Yeah.","start":94.26,"end":94.76,"sentiment":"neutral","sentiment_score":-0.038716770708560944},{"text":"Yeah.","start":94.82,"end":95.07,"sentiment":"neutral","sentiment_score":-0.015704922378063202}],"sentiment":"neutral","sentiment_score":-0.03217435730621219,"num_words":5,"start":52.045,"end":95.07},{"sentences":[{"text":"Yeah.","start":95.07,"end":95.57,"sentiment":"neutral","sentiment_score":-0.01785152032971382},{"text":"Yep.","start":121.05,"end":121.55,"sentiment":"neutral","sentiment_score":0.01843002997338772},{"text":"Yep.","start":151.66,"end":152.16,"sentiment":"neutral","sentiment_score":0.00928590726107359},{"text":"Okay.","start":160.27501,"end":160.77501,"sentiment":"neutral","sentiment_score":-0.006189693696796894},{"text":"Yep.","start":169.875,"end":170.375,"sentiment":"neutral","sentiment_score":0.02658439800143242}],"sentiment":"neutral","sentiment_score":0.006051824241876603,"num_words":5,"start":95.07,"end":170.375},{"sentences":[{"text":"Yep.","start":188.435,"end":188.755,"sentiment":"neutral","sentiment_score":0.14507362246513367},{"text":"Yep.","start":188.755,"end":189.255,"sentiment":"neutral","sentiment_score":0.19850115478038788},{"text":"Sounds 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just get bits of it every year or or what.","start":231.90001,"end":249.435,"sentiment":"neutral","sentiment_score":-0.04328243363093823},{"text":"Oh, I get well, I don't know when you can start getting the pension.","start":271.33502,"end":275.595,"sentiment":"neutral","sentiment_score":-0.0525898469079818},{"text":"Oh, okay.","start":277.415,"end":277.975,"sentiment":"neutral","sentiment_score":-0.017859462648630142}],"sentiment":"neutral","sentiment_score":-0.07548812228133497,"num_words":92,"start":211.67001,"end":277.975},{"sentences":[{"text":"Well, I've gotta retire at 67 then.","start":277.975,"end":280.155,"sentiment":"neutral","sentiment_score":-0.027509250278983797},{"text":"I'd like to retire earlier, but 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fortnightly.","start":403.47998,"end":404.78,"sentiment":"neutral","sentiment_score":0.06763263543446858},{"text":"So Yep.","start":405.0,"end":410.585,"sentiment":"neutral","sentiment_score":0.12144230306148529}],"sentiment":"neutral","sentiment_score":0.08266847394406796,"num_words":12,"start":368.29,"end":410.585},{"sentences":[{"text":"Oh, okay.","start":423.87,"end":424.61,"sentiment":"neutral","sentiment_score":0.16594865173101425},{"text":"Oh, okay.","start":432.75,"end":433.57,"sentiment":"negative","sentiment_score":-0.346651554107666},{"text":"Okay.","start":444.625,"end":445.125,"sentiment":"neutral","sentiment_score":0.13143013417720795},{"text":"Yeah.","start":456.56,"end":457.06,"sentiment":"neutral","sentiment_score":0.08158354461193085},{"text":"Oh, okay.","start":469.435,"end":470.01498,"sentiment":"neutral","sentiment_score":0.19957822561264038}],"sentiment":"neutral","sentiment_score":0.031345540657639503,"num_words":8,"start":423.87,"end":470.01498},{"sentences":[{"text":"Okay.","start":487.17,"end":487.67,"sentiment":"neutral","sentiment_score":0.22090956568717957},{"text":"Yep.","start":487.97,"end":488.47,"sentiment":"neutral","sentiment_score":0.17260167002677915},{"text":"Yep.","start":488.53,"end":488.85,"sentiment":"neutral","sentiment_score":0.19291558861732483},{"text":"Because my my whole idea when I retire is I wanna buy a motor home and just travel around Australia.","start":488.85,"end":493.43,"sentiment":"neutral","sentiment_score":0.23521435633301735},{"text":"Well well, I don't know.","start":497.61502,"end":499.935,"sentiment":"neutral","sentiment_score":-0.010133400931954384}],"sentiment":"neutral","sentiment_score":0.18714453379756638,"num_words":28,"start":487.17,"end":499.935},{"sentences":[{"text":"Depending on the sort I get, but I'm thinking maybe, like, up to a 120,000.","start":499.935,"end":505.23502,"sentiment":"neutral","sentiment_score":0.014880922933419546},{"text":"Yeah.","start":512.2,"end":512.7,"sentiment":"neutral","sentiment_score":0.05469948798418045},{"text":"That was my plan, and then whatever was left, then just sort of use that as, like, income for traveling around and whatnot because I was gonna just do odd jobs as I was going around.","start":518.585,"end":531.645,"sentiment":"neutral","sentiment_score":0.05395257126332985},{"text":"Yeah.","start":581.89496,"end":582.375,"sentiment":"neutral","sentiment_score":0.04304036125540733},{"text":"Yeah.","start":582.375,"end":582.875,"sentiment":"neutral","sentiment_score":0.10074308514595032}],"sentiment":"neutral","sentiment_score":0.043777580441976036,"num_words":54,"start":499.935,"end":582.875},{"sentences":[{"text":"Yep.","start":598.34,"end":598.66003,"sentiment":"neutral","sentiment_score":0.113133005797863},{"text":"Okay.","start":598.66003,"end":599.16003,"sentiment":"positive","sentiment_score":0.3419570326805115},{"text":"Yeah.","start":614.65,"end":614.97,"sentiment":"neutral","sentiment_score":0.06375299394130707},{"text":"Yep.","start":614.97,"end":615.47,"sentiment":"neutral","sentiment_score":0.04905452951788902},{"text":"Yep.","start":616.89,"end":617.39,"sentiment":"neutral","sentiment_score":0.07327820360660553}],"sentiment":"neutral","sentiment_score":0.1282351531088352,"num_words":5,"start":598.34,"end":617.39},{"sentences":[{"text":"Yeah.","start":622.17,"end":622.41,"sentiment":"neutral","sentiment_score":0.03701847791671753},{"text":"Yeah.","start":622.41,"end":622.57,"sentiment":"neutral","sentiment_score":0.03085434064269066},{"text":"No.","start":622.57,"end":622.81,"sentiment":"neutral","sentiment_score":-0.0022428305819630623},{"text":"I just I pay all my bills every every month or fortnight, when whichever ones they come out and so then.","start":622.81,"end":630.265,"sentiment":"neutral","sentiment_score":0.00401196378238854},{"text":"So yep.","start":630.265,"end":640.285,"sentiment":"neutral","sentiment_score":0.0055819363333284855}],"sentiment":"neutral","sentiment_score":0.006194042310548516,"num_words":26,"start":622.17,"end":640.285},{"sentences":[{"text":"Well, my Latitude card is interest free.","start":663.835,"end":666.335,"sentiment":"neutral","sentiment_score":0.019017656466790607},{"text":"I've only used it as an interest for for interest free purchases.","start":666.715,"end":670.02,"sentiment":"neutral","sentiment_score":0.05031007720390335},{"text":"So I usually have it all paid off before interest starts because I always pay more than what I'm I normally what their monthly thing is.","start":670.08,"end":680.74,"sentiment":"neutral","sentiment_score":0.11589423696009013},{"text":"And my other credit card, it's it's full.","start":682.02496,"end":684.82495,"sentiment":"neutral","sentiment_score":-0.171035535633564},{"text":"Like, it's not even used.","start":684.82495,"end":686.125,"sentiment":"neutral","sentiment_score":-0.1758284568786621}],"sentiment":"neutral","sentiment_score":0.02590807091749819,"num_words":58,"start":663.835,"end":686.125},{"sentences":[{"text":"Yep.","start":695.07996,"end":695.57996,"sentiment":"neutral","sentiment_score":0.009625048376619816},{"text":"Yep.","start":704.51996,"end":705.01996,"sentiment":"neutral","sentiment_score":-0.00962311215698719},{"text":"Yep.","start":710.44,"end":710.895,"sentiment":"neutral","sentiment_score":-0.04353199526667595},{"text":"But it has a 10,000 limit.","start":713.135,"end":714.575,"sentiment":"neutral","sentiment_score":-0.07449354231357574},{"text":"Yeah.","start":714.575,"end":715.075,"sentiment":"neutral","sentiment_score":-0.05547862872481346}],"sentiment":"neutral","sentiment_score":-0.05459699416533113,"num_words":10,"start":695.07996,"end":715.075},{"sentences":[{"text":"Oh, okay.","start":720.73505,"end":721.29504,"sentiment":"neutral","sentiment_score":0.00045658438466489315},{"text":"No.","start":721.29504,"end":721.455,"sentiment":"neutral","sentiment_score":-0.05377746373414993},{"text":"That's just a $10,000 credit 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I have a I have a budget, and I stick to the budget.","start":770.495,"end":773.21497,"sentiment":"neutral","sentiment_score":0.053583448353622644},{"text":"So all my all my bills get paid first, and then whatever's left over is what I use as my spending money.","start":773.21497,"end":781.395,"sentiment":"neutral","sentiment_score":0.22227487272836946},{"text":"Yep.","start":802.935,"end":803.435,"sentiment":"neutral","sentiment_score":-0.0037247654981911182},{"text":"Oh, yeah.","start":836.565,"end":837.045,"sentiment":"neutral","sentiment_score":-0.0025426694191992283}],"sentiment":"neutral","sentiment_score":0.14131822461495175,"num_words":40,"start":770.175,"end":837.045},{"sentences":[{"text":"Yep.","start":837.045,"end":837.545,"sentiment":"neutral","sentiment_score":0.00820988416671753},{"text":"Yeah.","start":876.125,"end":876.285,"sentiment":"neutral","sentiment_score":0.010117610916495323},{"text":"So that's the other thing I've I don't I'm not sure of either.","start":876.285,"end":878.845,"sentiment":"neutral","sentiment_score":-0.10991405208523457},{"text":"Like, I just I'm just happy to see that if my the money that's in my super just keeps going up.","start":878.845,"end":884.625,"sentiment":"positive","sentiment_score":0.349065266726982},{"text":"So but but the other things and that's how they work, I'm not a 100% sure on, but that's why I guess I'll leave it up to you guys and see what what whatever you think is best.","start":885.885,"end":896.79,"sentiment":"neutral","sentiment_score":0.00973375879326149}],"sentiment":"neutral","sentiment_score":0.08499592234305031,"num_words":74,"start":837.045,"end":896.79},{"sentences":[{"text":"Yep.","start":906.685,"end":907.185,"sentiment":"neutral","sentiment_score":0.303219735622406},{"text":"Well, I don't worry about it anyway.","start":913.965,"end":915.505,"sentiment":"neutral","sentiment_score":0.1543832038130079},{"text":"I just I just I just check it every month and just see how it's going and and and all that.","start":919.35,"end":924.87,"sentiment":"neutral","sentiment_score":0.1119487104671342},{"text":"I don't even bother about 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my my my my my attitude on live is the reason I don't worry about too much about my Subaru is because one day I could just walk out and start and get hit by bus, and I'm not gonna see my Subaru anyway.","start":1074.495,"end":1085.7151,"sentiment":"neutral","sentiment_score":-0.06376475669029687},{"text":"So yeah.","start":1091.94,"end":1092.0199,"sentiment":"neutral","sentiment_score":-0.005908751860260963},{"text":"So that's why I don't bother with my super because I'll worry about that when the time comes when I actually get to the get to go and use it.","start":1092.0199,"end":1100.44,"sentiment":"neutral","sentiment_score":0.006712151039391756},{"text":"So then but until then, I don't bother I don't worry about it.","start":1100.735,"end":1105.055,"sentiment":"neutral","sentiment_score":0.025268253333006915}],"sentiment":"neutral","sentiment_score":-0.0292181789434955,"num_words":91,"start":1074.175,"end":1105.055},{"sentences":[{"text":"So then because things can just happen, like, in a blink of an eye just for any reason.","start":1105.055,"end":1110.495,"sentiment":"neutral","sentiment_score":0.25026045077376896},{"text":"So Nine.","start":1110.495,"end":1120.6101,"sentiment":"neutral","sentiment_score":0.10602102894335987},{"text":"Yep.","start":1127.9501,"end":1128.4501,"sentiment":"neutral","sentiment_score":0.21771177649497983},{"text":"Yep.","start":1137.765,"end":1138.265,"sentiment":"neutral","sentiment_score":0.13526377081871033},{"text":"Yep.","start":1145.365,"end":1145.82,"sentiment":"neutral","sentiment_score":0.13875921070575714}],"sentiment":"neutral","sentiment_score":0.2264549969493047,"num_words":23,"start":1105.055,"end":1145.82},{"sentences":[{"text":"Okay.","start":1148.2999,"end":1148.7999,"sentiment":"neutral","sentiment_score":0.0930904746055603},{"text":"Yeah.","start":1153.82,"end":1154.22,"sentiment":"neutral","sentiment_score":0.19546762108802795},{"text":"Yep.","start":1154.22,"end":1154.72,"sentiment":"neutral","sentiment_score":0.3205798864364624},{"text":"No.","start":1167.705,"end":1167.945,"sentiment":"neutral","sentiment_score":-0.07299540936946869},{"text":"It's it's all 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got I think I've got one for my sister.","start":1267.24,"end":1268.92,"sentiment":"neutral","sentiment_score":0.02878319565206766},{"text":"I'm I'm her power of attorney, I think.","start":1268.92,"end":1271.74,"sentiment":"neutral","sentiment_score":0.02296355925500393},{"text":"So yeah.","start":1274.28,"end":1275.1001,"sentiment":"neutral","sentiment_score":0.019594010896980762},{"text":"Ren.","start":1282.935,"end":1283.435,"sentiment":"neutral","sentiment_score":0.004166110418736935},{"text":"R e n.","start":1286.135,"end":1287.115,"sentiment":"neutral","sentiment_score":0.0017182878994693358}],"sentiment":"neutral","sentiment_score":0.02166872610299227,"num_words":24,"start":1267.24,"end":1287.115},{"sentences":[{"text":"Yep.","start":1288.935,"end":1289.435,"sentiment":"neutral","sentiment_score":0.02240505814552307},{"text":"Yeah.","start":1300.03,"end":1300.53,"sentiment":"neutral","sentiment_score":0.03220650553703308},{"text":"Yep.","start":1300.5901,"end":1301.0901,"sentiment":"neutral","sentiment_score":0.02751407027244568},{"text":"0400, 906000.","start":1304.2849,"end":1310.625,"sentiment":"neutral","sentiment_score":0.010875838808715343},{"text":"Yeah.","start":1316.2849,"end":1316.7849,"sentiment":"neutral","sentiment_score":0.07120250910520554}],"sentiment":"neutral","sentiment_score":0.029179970112939674,"num_words":6,"start":1288.935,"end":1316.7849},{"sentences":[{"text":"Mason.","start":1318.34,"end":1318.84,"sentiment":"neutral","sentiment_score":0.04673995077610016},{"text":"No.","start":1342.1849,"end":1342.4249,"sentiment":"neutral","sentiment_score":-0.10193668305873872},{"text":"I'm alright for 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you.","start":1377.83,"end":1378.49,"sentiment":"neutral","sentiment_score":0.15155984088778496},{"text":"Yep.","start":1399.315,"end":1399.795,"sentiment":"neutral","sentiment_score":0.17119058966636658}],"sentiment":"neutral","sentiment_score":0.049773926122321024,"num_words":9,"start":1368.825,"end":1399.795},{"sentences":[{"text":"Okay.","start":1399.795,"end":1400.25,"sentiment":"neutral","sentiment_score":0.3047937750816345},{"text":"Sounds good.","start":1401.29,"end":1402.11,"sentiment":"neutral","sentiment_score":0.27895335853099823},{"text":"Yep.","start":1405.53,"end":1406.03,"sentiment":"neutral","sentiment_score":0.07948966324329376},{"text":"Okay.","start":1410.81,"end":1411.31,"sentiment":"neutral","sentiment_score":0.10969017446041109},{"text":"Alright.","start":1413.45,"end":1413.95,"sentiment":"positive","sentiment_score":0.5859118700027466}],"sentiment":"neutral","sentiment_score":0.2729653666416804,"num_words":6,"start":1399.795,"end":1413.95},{"sentences":[{"text":"Sounds good.","start":1415.4248,"end":1415.9849,"sentiment":"positive","sentiment_score":0.8670794665813446},{"text":"Alright.","start":1415.9849,"end":1416.4849,"sentiment":"positive","sentiment_score":0.678636908531189},{"text":"Alright.","start":1417.1848,"end":1417.5848,"sentiment":"positive","sentiment_score":0.5023794174194336},{"text":"Thank you.","start":1417.5848,"end":1418.4048,"sentiment":"positive","sentiment_score":0.7384527921676636},{"text":"Alright.","start":1419.9849,"end":1420.2249,"sentiment":"neutral","sentiment_score":0.17638903856277466}],"sentiment":"positive","sentiment_score":0.6526385545730591,"num_words":7,"start":1415.4248,"end":1420.2249},{"sentences":[{"text":"Bye bye.","start":1420.2249,"end":1420.8848,"sentiment":"neutral","sentiment_score":0.0015183985233307024}],"sentiment":"neutral","sentiment_score":0.0015183985233307024,"num_words":2,"start":1420.2249,"end":1420.8848}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Steven. This is Jenna from Oakview Financial. How are you?\n\nChannel 1: Hey. Good. Thank you.\n\nChannel 0: That's good. Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching\n\nChannel 1: Yep.\n\nChannel 0: purposes. Is that okay? Yep. Beautiful. And I will also just ask you to please confirm your full name, date of birth, and address, please.\n\nChannel 1: Yep. It's Steven Kent. The third eleven sixty nine, and it's 50 Hereford Road, Mount Evelyn,\n\nChannel 0: Beautiful. Fantastic. Thank you for that. I am phoning today to go through an advice discussion following your review you\n\nChannel 1: Victoria.\n\nChannel 0: had with Connor\n\nChannel 1: Yep.\n\nChannel 0: just in relation particularly to the Benelong Australian share fund\n\nChannel 1: Yep.\n\nChannel 0: that I know that he spoke to you about.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: I'm just jumping in at the moment. So one of the things with, Bennelong well, the issue with Bennelong itself is it's not that the Australian share market has performed poorly as a whole. It's more Bennelong's investment mandate that they follow, which is to identify companies within the Australian market that they believe are undervalued for growth opportunities. Now\n\nChannel 1: Yep.\n\nChannel 0: the last twelve or so months, that mandate hasn't proved fruitful for them as you can see from the return\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: given\n\nChannel 1: Yeah.\n\nChannel 0: that the the banks and the the larger companies within the Australian share make share market were the performers. So our investment committee has identified that that's one fund that we're looking to well, investment, I should say. We're looking to evaluate for I should say. We're looking to evaluate for clients, review, and see if there's alternative options. And if you're comfortable with that, I would like to arrange\n\nChannel 1: Yep.\n\nChannel 0: that. Yep. Beautiful. And I know that Connor probably did I'm not sure if Connor spoke to you about the other investment option within your plan that I would like to look at. It's called the beta hybrid bank ETF.\n\nThat there's nothing wrong with that that investment at all performing as it typically would being a defensive asset out a defensive asset, which is lower on the growth side and more on the income side.\n\nChannel 1: Yep.\n\nChannel 0: But the banking system's changing. And from January 2027, hybrids will be phased out completely.\n\nChannel 1: Okay.\n\nChannel 0: So what I'm doing with clients that I'm working with is I'm looking earlier rather than later at alternative options. I\n\nChannel 1: Yep.\n\nChannel 0: don't want to leave it till they phase out because I'm not sure what's going to happen, whether they decrease in value, what their replacement's gonna be valued at, those types of things. So that's another thing that I'm looking at investigating with clients that I'm working with. And if you're happy for me to do that, I'd like to do that as well.\n\nChannel 1: Yep. Yep. Sounds good.\n\nChannel 0: Yeah. Fantastic. So following your conversation with Connor, I just had a couple of quick questions\n\nChannel 1: Yep.\n\nChannel 0: that I wanted to run by you from an advice perspective, if that's okay. Yeah. Beautiful. But before I do that, do you have any questions\n\nChannel 1: No.\n\nChannel 0: for me?\n\nChannel 1: No.\n\nChannel 0: No.\n\nChannel 1: I sorta\n\nChannel 0: Yeah. All\n\nChannel 1: don't\n\nChannel 0: good.\n\nChannel 1: understand the whole superannuation thing anyway, but but as long as I've got some money when I retire, so I think that's all that matters.\n\nChannel 0: Yeah. What do you mean that you don't understand the superannuation thing? Is it the underlying investments or the purpose of super overall?\n\nChannel 1: Oh, I know the the overall super is when\n\nChannel 0: Yep.\n\nChannel 1: you retire, you've got some\n\nChannel 0: Yes.\n\nChannel 1: some money, but\n\nChannel 0: Yep.\n\nChannel 1: how it works when you retire, that I don't understand whether you get it in one lump sum or you just get bits of it every year or\n\nChannel 0: Yeah.\n\nChannel 1: or what.\n\nChannel 0: Yeah. That's I can quite I can give you a a very general overview of how that works so you do have an understanding of it. Because knowledge is power, and, you know, you know, you're 56 years of age. You have said that you wanna retire at 67. Is that still right?\n\nChannel 1: Oh, I get well, I don't know when you can start getting the pension.\n\nChannel 0: 67 is\n\nChannel 1: Oh,\n\nChannel 0: the age\n\nChannel 1: okay.\n\nChannel 0: at\n\nChannel 1: Well,\n\nChannel 0: the\n\nChannel 1: I've\n\nChannel 0: moment.\n\nChannel 1: gotta retire at 67 then. I'd\n\nChannel 0: Yep.\n\nChannel 1: like to retire earlier, but\n\nChannel 0: Yep. Okay. And we had down that you'd need $1,100 a week. Do you think in today's dollars? Do you think that that's still right?\n\nChannel 1: yeah. Probably.\n\nChannel 0: Yeah? Okay. So what we're how the superannuation works is while you're working and it's you're in what we call accumulation phase, so you're unable to access your because you haven't reached your preservation age,\n\nChannel 1: Yep.\n\nChannel 0: is when you retire, you you can withdraw it as a lump sum. We don't generally recommend that. Reasons being is that for tax effective purposes. So, typically, what you would see in retirement is that it would be rolled to a different type of account, which is we call a pension\n\nChannel 1: Yep.\n\nChannel 0: account. So you would work with us, and we would figure out what your income need is, what the gap is between any potential age pension versus your living expenses. We would look at your portfolio to see what drawdown you would need to fill that gap and would and would make sure that your portfolio is constructed in a way that there is still an allocation to growth, but there is cash available to meet your income needs. So we'd\n\nChannel 1: Okay.\n\nChannel 0: structure it in a different way to the way that it's invested now with in regards to the underlying investments. But the reason why we do transfer it typically to a pension pays is because when that income you draw down from your pension, which can be paid to you depending on what super fund you're with. It can be paid weekly, fortnightly, monthly, quarterly, half yearly, yearly, whatever your preference is.\n\nChannel 1: Okay.\n\nChannel 0: So if you're used to a weekly income, it can be paid weekly\n\nChannel 1: Oh,\n\nChannel 0: depending\n\nChannel 1: okay.\n\nChannel 0: again on\n\nChannel 1: Oh, my\n\nChannel 0: the\n\nChannel 1: I\n\nChannel 0: super\n\nChannel 1: get paid\n\nChannel 0: funds.\n\nChannel 1: fortnightly. So\n\nChannel 0: Yep. So at the time, you decide what works best for you.\n\nChannel 1: Yep.\n\nChannel 0: You know, some people might say, I want the age pension one for one week and then my other pension from my super the following week. So we would adjust it. It it just depends at that time. So\n\nChannel 1: Oh, okay.\n\nChannel 0: and then the income you receive from your pension is completely your superannuation pension is tax free. So\n\nChannel 1: Oh,\n\nChannel 0: you're not\n\nChannel 1: okay.\n\nChannel 0: taxed on it. That's why we typically say and and then all the earnings within that fund at with today's laws in place is all tax free as well. So all\n\nChannel 1: Okay.\n\nChannel 0: the gross because at the moment, in super accumulation phase, you're paying 15% on the gross within the funds. The government takes 15% of that on tax. When\n\nChannel 1: Yeah.\n\nChannel 0: you're in pension phase, they take nothing. So we leave it invested so it continues to grow for longevity purposes to to try and ensure that you have an income for the remainder of your life.\n\nChannel 1: Oh, okay.\n\nChannel 0: So we as that time approaches, we start looking at different sort of retirement strategies that we can implement, but that's essentially how it works once you get to retirement age. Does that\n\nChannel 1: Okay.\n\nChannel 0: help?\n\nChannel 1: Yep. Yep. Because my my whole idea when I retire is I wanna buy a motor home and just travel around Australia.\n\nChannel 0: Yep. How much do you think the motor home is gonna be roughly?\n\nChannel 1: Well well, I don't know. Depending on the sort I get, but I'm thinking maybe, like, up to a 120,000.\n\nChannel 0: That plan to fund it from super?\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: That was my plan, and then whatever was left, then just sort of use that as, like, income for traveling around and whatnot because I was gonna just do odd jobs as I was\n\nChannel 0: Yeah.\n\nChannel 1: going around.\n\nChannel 0: Yep. Okay. Alright. So we can definite I'll I'll mark that down as a goal of yours, which we will keep touching on and tracking towards as retirement gets closer. You know, we've it it might be that, you know, as retirement gets closer and that's the goal, it might be that we have a conversation that, you know, 1,100 a week is not sustainable.\n\nOr it is sustainable, but the funds are gonna run out at x y zed. So as we get closer to time and and we can project out balances in super a bit more accurately because even now, eleven years away, you know, projecting out, it's it's really just a figure that is fairly unreliable.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So I'll mark that down as a goal that we can continue talking about and working towards. And as I said, as we get closer, we will start to look at things a little bit in a little bit more detail.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Beautiful. I just wanted to check with you as well your debt levels. Did you update those with Connor when you were speaking with him?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. You did? Alright.\n\nChannel 1: Yep.\n\nChannel 0: So you're are you still actively working towards paying those down? How are you going with that?\n\nChannel 1: Yeah. Yeah. No. I just I pay\n\nChannel 0: Yep.\n\nChannel 1: all my bills every every month\n\nChannel 0: Yep.\n\nChannel 1: or fortnight, when whichever ones they come out and\n\nChannel 0: Yep. Okay.\n\nChannel 1: so then. So\n\nChannel 0: So I noticed that you have the car loan, a personal loan, a credit card, and a latitude card?\n\nChannel 1: yep.\n\nChannel 0: Yep. I'm just looking. Have you thought about potentially consolidating those if possible for a and to pay off quicker? Or because I'm not sure what the interest rates are. I'm assuming on a credit card and the latitude, that'd be But is that something that you've thought of?\n\nChannel 1: Well, my Latitude card is interest free.\n\nChannel 0: Oh,\n\nChannel 1: I've\n\nChannel 0: is\n\nChannel 1: only\n\nChannel 0: it? Okay.\n\nChannel 1: used it as\n\nChannel 0: Beautiful.\n\nChannel 1: an interest for for interest free purchases. So I usually have\n\nChannel 0: Oh,\n\nChannel 1: it all paid\n\nChannel 0: fantastic.\n\nChannel 1: off before interest\n\nChannel 0: Oh,\n\nChannel 1: starts\n\nChannel 0: beautiful. Yeah.\n\nChannel 1: because\n\nChannel 0: Awesome.\n\nChannel 1: I always pay more than what I'm I normally\n\nChannel 0: Yeah.\n\nChannel 1: what their monthly\n\nChannel 0: Fantastic.\n\nChannel 1: thing is.\n\nChannel 0: Okay. What's\n\nChannel 1: And my\n\nChannel 0: the\n\nChannel 1: other credit card, it's\n\nChannel 0: yep.\n\nChannel 1: it's full. Like, it's not even used.\n\nChannel 0: Okay. Yeah. I might actually just run through these with you because I don't know if this sheet's been filled out correctly, to be honest with you. So I have\n\nChannel 1: Yep.\n\nChannel 0: the debt value for your car at 37. Does that sound right? Right? Beautiful. A personal loan for 20?\n\nChannel 1: Yep.\n\nChannel 0: Yep. So the credit card has a nil balance, you're telling me?\n\nChannel 1: Yep.\n\nChannel 0: But a $10,000 limit?\n\nChannel 1: But it has a 10,000 limit. Yeah.\n\nChannel 0: Yes. Okay. Sorry. It has been put in there that you've got a $10,000 debt. So I'm just gonna remove that.\n\nChannel 1: Oh, okay. No. That's just a $10,000\n\nChannel 0: And,\n\nChannel 1: credit card.\n\nChannel 0: yeah, it's just been put in the wrong section. That's all. And the latitude card, what's the amount remaining on that?\n\nChannel 1: Okay. 13,000.\n\nChannel 0: Okay. And is that a $20,000 limit?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. Yeah. Sorry. It was in the wrong spot.\n\nChannel 1: Okay.\n\nChannel 0: That's why I had that's why I was asking the question. Alright. And we got a savings here of about 6,000. Is that right? Yep.\n\nFantastic. Beautiful. That's updated.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: So, Fantastic. Beautiful. That's updated. So the and, additionally so you're going well on your debt. That's perfect.\n\nNo issues there. You\n\nChannel 1: No. Because I have a I have a budget, and I stick to the budget.\n\nChannel 0: were\n\nChannel 1: So\n\nChannel 0: you stick to it. You\n\nChannel 1: all\n\nChannel 0: I love\n\nChannel 1: my\n\nChannel 0: that.\n\nChannel 1: all my\n\nChannel 0: I have\n\nChannel 1: bills\n\nChannel 0: a\n\nChannel 1: get paid first, and then whatever's left over is what I use as\n\nChannel 0: I\n\nChannel 1: my spending money.\n\nChannel 0: love that. That's exactly what I do, and I enforce that my husband does. He doesn't like it, but he doesn't. So I love that. Alright.\n\nSo you a you're invested a you're invested as a growth risk profile.\n\nChannel 1: Yep.\n\nChannel 0: No. Sorry. Hang on. My notes here. You were previously invested as a growth investor.\n\nYour risk profile showed us. You are still invested as a growth risk profile. But when you completed the risk profile with Connor, the questions that he went through with you, you you might remember that some of them was what's the most aggressive investment you've made, how would you feel if your portfolio decreased by 20%. Do you remember those questions?\n\nChannel 1: Oh, yeah. Yep.\n\nChannel 0: Yeah. Yep. You came out as a moderate investor. So that's the step below a growth investor. So what we would see there is typically 70% invested in growth assets and 30% in your defensive assets.\n\nAssets. So I'm just my question to you is more so, do you think you do wanna lower your exposure to the growth assets, or are you comfortable remaining on a growth risk profile, which is 80% gross asset. To\n\nChannel 1: Yeah. So\n\nChannel 0: give\n\nChannel 1: that's\n\nChannel 0: you\n\nChannel 1: the other\n\nChannel 0: any\n\nChannel 1: thing I've\n\nChannel 0: yeah.\n\nChannel 1: I don't I'm not sure of either.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: Like, I just I'm just happy to see that if my the money that's in my super just keeps going up.\n\nChannel 0: Okay.\n\nChannel 1: So but\n\nChannel 0: So\n\nChannel 1: but the other\n\nChannel 0: let\n\nChannel 1: things and that's how they work, I'm not a 100% sure on, but that's why I guess\n\nChannel 0: alright.\n\nChannel 1: I'll leave it up to you guys and see what what whatever you think is best.\n\nChannel 0: Okay. So I'm gonna give you two bits of information that might help you. Because what I want to do is make sure that you pass what I call the sleep at night test.\n\nChannel 1: Yep.\n\nChannel 0: There's no worry. You're not concerned. You sleep well. You're not lying there worrying about your super. So,\n\nChannel 1: Well, I don't worry\n\nChannel 0: basically, I'm\n\nChannel 1: about it\n\nChannel 0: gonna\n\nChannel 1: anyway.\n\nChannel 0: okay. Well, maybe you won't we\n\nChannel 1: I\n\nChannel 0: should\n\nChannel 1: just\n\nChannel 0: stick\n\nChannel 1: I\n\nChannel 0: with\n\nChannel 1: just I just check it every month and just see how it's going and\n\nChannel 0: yep.\n\nChannel 1: and\n\nChannel 0: Yep.\n\nChannel 1: and all that. I don't even bother about it.\n\nChannel 0: Alright. Well, if we look at it this way, you've got eleven years till your retirement, your planned retirement.\n\nChannel 1: Yeah.\n\nChannel 0: A gross portfolio, we recommend an investment time frame of a minimum of six years, and a moderate profile is a minimum of five years. So there's not much difference between the two time frame wise as to why we recommend the minimum holding\n\nChannel 1: Yep.\n\nChannel 0: in time frame. And that's just simply to allow for recovering of market fluctuations, so volatility. So, you know, one year, we might have a terrible, terrible year, and it might take eighteen months, two years to recover. That's why,\n\nChannel 1: Yep.\n\nChannel 0: though, like, to recover fully. So that's the time frame. And the difference between a growth and moderate portfolio, this is probably the big one. It's not what your average expected return to be is because they're both relatively similar, you know, either side of each other, but\n\nChannel 1: Yep.\n\nChannel 0: it's the the volatility you can expect. So with a growth portfolio, statistically, we say you can experience a plus or minus 11% fluctuation. So that could be a negative like, you know, a really, really bad year, like, let's say, the GFC, for example, you could expect a negative 11% return.\n\nChannel 1: Okay.\n\nChannel 0: On a good year, statistically, you could go potentially an 11 return, whereas\n\nChannel 1: Yep.\n\nChannel 0: a moderate is a plus or minus 8% return. So\n\nChannel 1: Okay.\n\nChannel 0: there is a little bit of movement there in relation to what you could\n\nChannel 1: Yep.\n\nChannel 0: expect statistically. So it it's really within your your comfort levels,\n\nChannel 1: Okay.\n\nChannel 0: I guess, is what I'm saying.\n\nChannel 1: Yep.\n\nChannel 0: So I think it's hard for I mean, I can make recommendation as as to what I think you should what risk profile you go with.\n\nChannel 1: Yep.\n\nChannel 0: I am happy to do so, but I want to make sure that, you know, you said you're not concerned about it at the moment anyway, and you don't you only check it once a month. But if you're\n\nChannel 1: No.\n\nChannel 0: happy\n\nChannel 1: My my\n\nChannel 0: and that you're\n\nChannel 1: my my my my attitude on live is the\n\nChannel 0: yep.\n\nChannel 1: reason I don't worry about too much about my Subaru is because one day I could just walk out and start and get hit by bus, and\n\nChannel 0: Yeah.\n\nChannel 1: I'm not gonna\n\nChannel 0: It's\n\nChannel 1: see\n\nChannel 0: very\n\nChannel 1: my Subaru\n\nChannel 0: true.\n\nChannel 1: anyway.\n\nChannel 0: Yeah. It's for it's it's the future. It's a it's a thing we all face, isn't it?\n\nChannel 1: So yeah. So that's why I don't bother with my super because\n\nChannel 0: Yep.\n\nChannel 1: I'll worry about that when the time comes when I actually get to the get to go and use it. So\n\nChannel 0: Yeah.\n\nChannel 1: then\n\nChannel 0: Yeah.\n\nChannel 1: but until then, I don't bother I don't worry about\n\nChannel 0: Yeah.\n\nChannel 1: it.\n\nChannel 0: Well,\n\nChannel 1: So then\n\nChannel 0: I'm gonna\n\nChannel 1: because\n\nChannel 0: recommend\n\nChannel 1: things can just happen, like, in a blink of an eye just for any reason. So\n\nChannel 0: yeah. Yeah. And yeah. I a 100% I a 100% agree with you there. Anything can happen any day.\n\nWe never know when our time's up.\n\nChannel 1: Nine.\n\nChannel 0: I'm gonna recommend that you stick with a gross risk profile. The reason being, you've got time on your side.\n\nChannel 1: Yep.\n\nChannel 0: You're not concerned about market movements as it is at the moment. We're gonna continue to in and review it at all of our reviews anyway.\n\nChannel 1: Yep.\n\nChannel 0: And when the time comes that it is appropriate to start reducing exposure to growth assets as we near retirement,\n\nChannel 1: Yep.\n\nChannel 0: that conversation's gonna be had anyway.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. Okay. So are you comfortable with maintaining that growth profile?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Beautiful. Alright. I don't really have any other questions. Do you have any questions. Do you have any questions for me?\n\nChannel 1: No. It's\n\nChannel 0: No?\n\nChannel 1: it's all good. Just keep\n\nChannel 0: Yeah.\n\nChannel 1: growing my money.\n\nChannel 0: I'll do my best. The only actually, do you have a power of attorney in place?\n\nChannel 1: I'm\n\nChannel 0: So\n\nChannel 1: not sure.\n\nChannel 0: what's that\n\nChannel 1: My my partner is on my will, but\n\nChannel 0: yep.\n\nChannel 1: I don't know if she's\n\nChannel 0: So a\n\nChannel 1: power turning.\n\nChannel 0: yeah. So that's a separate document. What it does is it allows someone to make decisions on your behalf whilst\n\nChannel 1: Oh, if\n\nChannel 0: you're\n\nChannel 1: I'm on\n\nChannel 0: alive.\n\nChannel 1: if I can't if I can't make\n\nChannel 0: Yes.\n\nChannel 1: sensible\n\nChannel 0: Very, very\n\nChannel 1: decisions.\n\nChannel 0: Yeah. Yeah. Well, not even sensible decisions. It could be that I\n\nChannel 1: If\n\nChannel 0: always\n\nChannel 1: I get hit\n\nChannel 0: refer\n\nChannel 1: by a\n\nChannel 0: to\n\nChannel 1: button\n\nChannel 0: yesterday.\n\nChannel 1: or vegetable.\n\nChannel 0: Yeah. Or you're in a coma or some there's you know, bills need paying. You know, there's someone needs to be able to do that\n\nChannel 1: Yep.\n\nChannel 0: on your behalf. A\n\nChannel 1: Yep.\n\nChannel 0: lot of as you know, even with us, we get you to go through security. If something happened to you, your partner wouldn't be out. We wouldn't be able to speak to her\n\nChannel 1: Okay.\n\nChannel 0: without that document. So\n\nChannel 1: Yep.\n\nChannel 0: it's a it's a relatively simple document. I\n\nChannel 1: Yep.\n\nChannel 0: can send you an email on some in some links to it and also how you can establish them.\n\nChannel 1: Yep.\n\nChannel 0: If you like, you can get advice from a lawyer to do it. Some of the some of them you can do it yourself, to be honest with you. So I'll send\n\nChannel 1: Yep.\n\nChannel 0: you some information on that.\n\nChannel 1: Okay.\n\nChannel 0: It's an important document to have in place.\n\nChannel 1: Okay.\n\nChannel 0: And\n\nChannel 1: Yeah. I've got I think I've got one for my sister. I'm I'm her power of attorney, I\n\nChannel 0: Yep.\n\nChannel 1: think.\n\nChannel 0: Okay. Yeah. Yeah.\n\nChannel 1: So yeah.\n\nChannel 0: And you have a partner. I have you down as single. What's your partner's name?\n\nChannel 1: Ren.\n\nChannel 0: Ren. How do I spell that?\n\nChannel 1: R e n.\n\nChannel 0: R e n. Obvious.\n\nChannel 1: Yep.\n\nChannel 0: I just wanted to make sure. Do you want her noted as your next of kin should anything happen to you or that we need to contact you urgently about anything?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. What's her best number?\n\nChannel 1: 0400,\n\nChannel 0: Yep.\n\nChannel 1: 906000.\n\nChannel 0: Nine zero 6000. Beautiful. That's a nice easy number to remember. And what's\n\nChannel 1: Yeah.\n\nChannel 0: her\n\nChannel 1: Mason.\n\nChannel 0: surname? Mason. Beautiful. I'll update that to make sure that that is recorded. Alright.\n\nI'm gonna email you some information on house of attorney. And then just lastly, did you wanna look at your insurances, say your life, TPD, income protection, trauma insurance?\n\nChannel 1: No. I'm alright for that.\n\nChannel 0: Yeah? Nope. That's okay. Alright. What I'm gonna do, Steven, is I'm gonna go and add to my homework list looking at those investment options.\n\nChannel 1: Yep.\n\nChannel 0: And I am also gonna email you some details about a power of attorney.\n\nChannel 1: Okay.\n\nChannel 0: So you can look at getting that in place for yourself.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Alright. Is there anything else I can help you with today?\n\nChannel 1: No. That's that's about it. Thank\n\nChannel 0: Yeah?\n\nChannel 1: you.\n\nChannel 0: Okay. Alright. Beautiful. Well, if you do need help with anything else, let me know, and we can, you know, just pick up the call, pick up the phone, shoot us an email, and we can get that. We can help you with whatever it is that you need.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Beautiful.\n\nChannel 1: Sounds\n\nChannel 0: Well,\n\nChannel 1: good.\n\nChannel 0: I'll be in contact in about probably about two weeks or so\n\nChannel 1: Yep.\n\nChannel 0: to set in a time just to present the recommendations to you,\n\nChannel 1: Okay.\n\nChannel 0: and we'll go from there.\n\nChannel 1: Alright.\n\nChannel 0: Fantastic.\n\nChannel 1: Sounds good.\n\nChannel 0: Thanks\n\nChannel 1: Alright.\n\nChannel 0: for your time today.\n\nChannel 1: Alright. Thank you.\n\nChannel 0: Okay. Bye.\n\nChannel 1: Alright. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.64,"end":1.14,"sentiment":"neutral","sentiment_score":0.014513663947582243}],"sentiment":"neutral","sentiment_score":0.014513663947582243,"channel":1,"num_words":1,"start":0.64,"end":1.14},{"sentences":[{"text":"Hi, Steven.","start":1.8399999,"end":2.72,"sentiment":"neutral","sentiment_score":0.05802788957953453},{"text":"This is Jenna from Oakview Financial.","start":2.72,"end":4.74,"sentiment":"neutral","sentiment_score":0.07359941055377324},{"text":"How are you?","start":4.88,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.08335781345764796}],"sentiment":"neutral","sentiment_score":0.07342960753224113,"channel":0,"num_words":11,"start":1.8399999,"end":5.7799997},{"sentences":[{"text":"Hey.","start":5.7599998,"end":6.0,"sentiment":"neutral","sentiment_score":0.1725420355796814},{"text":"Good.","start":6.0,"end":6.16,"sentiment":"positive","sentiment_score":0.41066890954971313},{"text":"Thank you.","start":6.16,"end":6.8999996,"sentiment":"positive","sentiment_score":0.5914592146873474}],"sentiment":"positive","sentiment_score":0.44153234362602234,"channel":1,"num_words":4,"start":5.7599998,"end":6.8999996},{"sentences":[{"text":"That's good.","start":7.44,"end":8.42,"sentiment":"positive","sentiment_score":0.5394408106803894},{"text":"Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching","start":8.559999,"end":12.925,"sentiment":"neutral","sentiment_score":0.04043806674466892}],"sentiment":"neutral","sentiment_score":0.08202162873931229,"channel":0,"num_words":24,"start":7.44,"end":12.925},{"sentences":[{"text":"Yep.","start":12.855,"end":13.355,"sentiment":"neutral","sentiment_score":0.022339358925819397}],"sentiment":"neutral","sentiment_score":0.022339358925819397,"channel":1,"num_words":1,"start":12.855,"end":13.355},{"sentences":[{"text":"purposes.","start":12.925,"end":13.325,"sentiment":"neutral","sentiment_score":0.02877149172127247},{"text":"Is that okay?","start":13.325,"end":14.225,"sentiment":"neutral","sentiment_score":0.042224290470282234},{"text":"Yep.","start":15.405,"end":15.805,"sentiment":"neutral","sentiment_score":0.07211747765541077},{"text":"Beautiful.","start":15.805,"end":16.305,"sentiment":"neutral","sentiment_score":0.3274605870246887},{"text":"And I will also just ask you to please confirm your full name, date of birth, and address, please.","start":16.765,"end":22.064999,"sentiment":"neutral","sentiment_score":0.0627392340255411}],"sentiment":"neutral","sentiment_score":0.06988271497189999,"channel":0,"num_words":25,"start":12.925,"end":22.064999},{"sentences":[{"text":"Yep.","start":22.055,"end":22.455,"sentiment":"neutral","sentiment_score":0.02646522969007492},{"text":"It's Steven Kent.","start":22.455,"end":23.654999,"sentiment":"neutral","sentiment_score":0.0182432954510053},{"text":"The third eleven sixty nine, and it's 50 Hereford Road, Mount Evelyn,","start":23.654999,"end":28.154999,"sentiment":"neutral","sentiment_score":0.027663438270489376}],"sentiment":"neutral","sentiment_score":0.025822273455560207,"channel":1,"num_words":16,"start":22.055,"end":28.154999},{"sentences":[{"text":"Beautiful.","start":29.82,"end":30.32,"sentiment":"neutral","sentiment_score":0.30663326382637024},{"text":"Fantastic.","start":30.619999,"end":31.119999,"sentiment":"positive","sentiment_score":0.5804904699325562},{"text":"Thank you for that.","start":31.419998,"end":32.48,"sentiment":"positive","sentiment_score":0.5512507408857346},{"text":"I am phoning today to go through an advice discussion following your review you","start":33.82,"end":40.245,"sentiment":"neutral","sentiment_score":0.06483834183641843}],"sentiment":"neutral","sentiment_score":0.19999317415058612,"channel":0,"num_words":20,"start":29.82,"end":40.245},{"sentences":[{"text":"Victoria.","start":40.15,"end":40.65,"sentiment":"neutral","sentiment_score":0.07775035500526428}],"sentiment":"neutral","sentiment_score":0.07775035500526428,"channel":1,"num_words":1,"start":40.15,"end":40.65},{"sentences":[{"text":"had with Connor","start":40.245,"end":41.385,"sentiment":"neutral","sentiment_score":0.04462976008653641}],"sentiment":"neutral","sentiment_score":0.04462976008653641,"channel":0,"num_words":3,"start":40.245,"end":41.385},{"sentences":[{"text":"Yep.","start":41.829998,"end":42.329998,"sentiment":"neutral","sentiment_score":0.02641577087342739}],"sentiment":"neutral","sentiment_score":0.02641577087342739,"channel":1,"num_words":1,"start":41.829998,"end":42.329998},{"sentences":[{"text":"just in relation particularly to the Benelong Australian share fund","start":42.805,"end":48.985,"sentiment":"neutral","sentiment_score":0.020319013763219117}],"sentiment":"neutral","sentiment_score":0.020319013763219117,"channel":0,"num_words":10,"start":42.805,"end":48.985},{"sentences":[{"text":"Yep.","start":49.565002,"end":50.065002,"sentiment":"neutral","sentiment_score":0.01262959372252226}],"sentiment":"neutral","sentiment_score":0.01262959372252226,"channel":1,"num_words":1,"start":49.565002,"end":50.065002},{"sentences":[{"text":"that I know that he spoke to you about.","start":49.605,"end":51.785,"sentiment":"neutral","sentiment_score":0.012369779869914055}],"sentiment":"neutral","sentiment_score":0.012369779869914055,"channel":0,"num_words":9,"start":49.605,"end":51.785},{"sentences":[{"text":"Yeah.","start":52.045,"end":52.445,"sentiment":"neutral","sentiment_score":-0.0012186691164970398},{"text":"Yep.","start":52.445,"end":52.945,"sentiment":"neutral","sentiment_score":-0.007377562578767538}],"sentiment":"neutral","sentiment_score":-0.004298115847632289,"channel":1,"num_words":2,"start":52.045,"end":52.945},{"sentences":[{"text":"I'm just jumping in at the moment.","start":53.829998,"end":56.89,"sentiment":"neutral","sentiment_score":-0.057377297963414876},{"text":"So one of the things with, Bennelong well, the issue with Bennelong itself is it's not that the Australian share market has performed poorly as a whole.","start":57.829998,"end":70.125,"sentiment":"neutral","sentiment_score":-0.16554845262456824},{"text":"It's more Bennelong's investment mandate that they follow, which is to identify companies within the Australian market that they believe are undervalued for growth opportunities.","start":70.505005,"end":83.840004,"sentiment":"neutral","sentiment_score":-0.11096686363220215},{"text":"Now","start":84.78,"end":85.1,"sentiment":"neutral","sentiment_score":-0.1313643604516983}],"sentiment":"neutral","sentiment_score":-0.1296164209644,"channel":0,"num_words":60,"start":53.829998,"end":85.1},{"sentences":[{"text":"Yep.","start":84.91499,"end":85.14,"sentiment":"neutral","sentiment_score":-0.0978538617491722}],"sentiment":"neutral","sentiment_score":-0.0978538617491722,"channel":1,"num_words":1,"start":84.91499,"end":85.14},{"sentences":[{"text":"the last twelve or so months, that mandate hasn't proved fruitful for them as you can see from the return","start":85.1,"end":94.0,"sentiment":"neutral","sentiment_score":-0.08429756686091423}],"sentiment":"neutral","sentiment_score":-0.08429756686091423,"channel":0,"num_words":20,"start":85.1,"end":94.0},{"sentences":[{"text":"Yeah.","start":94.26,"end":94.76,"sentiment":"neutral","sentiment_score":-0.038716770708560944},{"text":"Yeah.","start":94.82,"end":95.07,"sentiment":"neutral","sentiment_score":-0.015704922378063202}],"sentiment":"neutral","sentiment_score":-0.027210846543312073,"channel":1,"num_words":2,"start":94.26,"end":95.07},{"sentences":[{"text":"given","start":94.895,"end":95.215,"sentiment":"neutral","sentiment_score":-0.013311337679624556}],"sentiment":"neutral","sentiment_score":-0.013311337679624556,"channel":0,"num_words":1,"start":94.895,"end":95.215},{"sentences":[{"text":"Yeah.","start":95.07,"end":95.57,"sentiment":"neutral","sentiment_score":-0.01785152032971382}],"sentiment":"neutral","sentiment_score":-0.01785152032971382,"channel":1,"num_words":1,"start":95.07,"end":95.57},{"sentences":[{"text":"that the the banks and the the larger companies within the Australian share make share market were the performers.","start":95.215,"end":101.875,"sentiment":"neutral","sentiment_score":-0.03390493930170411},{"text":"So our investment committee has identified that that's one fund that we're looking to well, investment, I should say.","start":102.575,"end":107.73136,"sentiment":"neutral","sentiment_score":-0.01053507116280104},{"text":"We're looking to evaluate for I should say.","start":107.73136,"end":112.06,"sentiment":"neutral","sentiment_score":-0.013968211715109646},{"text":"We're looking to evaluate for clients, review, and see if there's alternative options.","start":112.06,"end":116.079994,"sentiment":"neutral","sentiment_score":-0.0025443437401778423},{"text":"And if you're comfortable with that, I would like to 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with.","start":181.145,"end":185.30501,"sentiment":"neutral","sentiment_score":0.03410885317328696},{"text":"And if you're happy for me to do that, I'd like to do that as well.","start":185.30501,"end":188.285,"sentiment":"neutral","sentiment_score":0.1769298962317407}],"sentiment":"neutral","sentiment_score":-0.021738581282079394,"channel":0,"num_words":64,"start":169.87999,"end":188.285},{"sentences":[{"text":"Yep.","start":188.435,"end":188.755,"sentiment":"neutral","sentiment_score":0.14507362246513367},{"text":"Yep.","start":188.755,"end":189.255,"sentiment":"neutral","sentiment_score":0.19850115478038788},{"text":"Sounds 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me?","start":211.485,"end":212.145,"sentiment":"neutral","sentiment_score":-0.08179975301027298}],"sentiment":"neutral","sentiment_score":-0.08179975301027298,"channel":0,"num_words":2,"start":211.485,"end":212.145},{"sentences":[{"text":"No.","start":211.67001,"end":212.17001,"sentiment":"neutral","sentiment_score":-0.09772716462612152}],"sentiment":"neutral","sentiment_score":-0.09772716462612152,"channel":1,"num_words":1,"start":211.67001,"end":212.17001},{"sentences":[{"text":"No.","start":212.525,"end":213.025,"sentiment":"neutral","sentiment_score":-0.11411628127098083}],"sentiment":"neutral","sentiment_score":-0.11411628127098083,"channel":0,"num_words":1,"start":212.525,"end":213.025},{"sentences":[{"text":"I 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be in contact in about probably about two weeks or so","start":1401.74,"end":1405.345,"sentiment":"neutral","sentiment_score":0.07409987257172664}],"sentiment":"neutral","sentiment_score":0.07409987257172664,"channel":0,"num_words":12,"start":1401.74,"end":1405.345},{"sentences":[{"text":"Yep.","start":1405.53,"end":1406.03,"sentiment":"neutral","sentiment_score":0.07948966324329376}],"sentiment":"neutral","sentiment_score":0.07948966324329376,"channel":1,"num_words":1,"start":1405.53,"end":1406.03},{"sentences":[{"text":"to set in a time just to present the recommendations to you,","start":1405.565,"end":1410.625,"sentiment":"neutral","sentiment_score":0.1770872169484695}],"sentiment":"neutral","sentiment_score":0.1770872169484695,"channel":0,"num_words":12,"start":1405.565,"end":1410.625},{"sentences":[{"text":"Okay.","start":1410.81,"end":1411.31,"sentiment":"neutral","sentiment_score":0.10969017446041109}],"sentiment":"neutral","sentiment_score":0.10969017446041109,"channel":1,"num_words":1,"start":1410.81,"end":1411.31},{"sentences":[{"text":"and we'll go from there.","start":1410.9249,"end":1413.2949,"sentiment":"neutral","sentiment_score":0.16858274787664412}],"sentiment":"neutral","sentiment_score":0.16858274787664412,"channel":0,"num_words":5,"start":1410.9249,"end":1413.2949},{"sentences":[{"text":"Alright.","start":1413.45,"end":1413.95,"sentiment":"positive","sentiment_score":0.5859118700027466}],"sentiment":"positive","sentiment_score":0.5859118700027466,"channel":1,"num_words":1,"start":1413.45,"end":1413.95},{"sentences":[{"text":"Fantastic.","start":1415.0349,"end":1415.5349,"sentiment":"positive","sentiment_score":0.8755897283554077}],"sentiment":"positive","sentiment_score":0.8755897283554077,"channel":0,"num_words":1,"start":1415.0349,"end":1415.5349},{"sentences":[{"text":"Sounds good.","start":1415.4248,"end":1415.9849,"sentiment":"positive","sentiment_score":0.8670794665813446}],"sentiment":"positive","sentiment_score":0.8670794665813446,"channel":1,"num_words":2,"start":1415.4248,"end":1415.9849},{"sentences":[{"text":"Thanks","start":1415.7549,"end":1415.9949,"sentiment":"positive","sentiment_score":0.8647164702415466}],"sentiment":"positive","sentiment_score":0.8647164702415466,"channel":0,"num_words":1,"start":1415.7549,"end":1415.9949},{"sentences":[{"text":"Alright.","start":1415.9849,"end":1416.4849,"sentiment":"positive","sentiment_score":0.678636908531189}],"sentiment":"positive","sentiment_score":0.678636908531189,"channel":1,"num_words":1,"start":1415.9849,"end":1416.4849},{"sentences":[{"text":"for your time today.","start":1415.9949,"end":1417.0549,"sentiment":"positive","sentiment_score":0.7632290571928024}],"sentiment":"positive","sentiment_score":0.7632290571928024,"channel":0,"num_words":4,"start":1415.9949,"end":1417.0549},{"sentences":[{"text":"Alright.","start":1417.1848,"end":1417.5848,"sentiment":"positive","sentiment_score":0.5023794174194336},{"text":"Thank you.","start":1417.5848,"end":1418.4048,"sentiment":"positive","sentiment_score":0.7384527921676636}],"sentiment":"positive","sentiment_score":0.6597616672515869,"channel":1,"num_words":3,"start":1417.1848,"end":1418.4048},{"sentences":[{"text":"Okay.","start":1418.7949,"end":1419.2949,"sentiment":"positive","sentiment_score":0.34573128819465637},{"text":"Bye.","start":1419.3549,"end":1419.8549,"sentiment":"neutral","sentiment_score":0.32546985149383545}],"sentiment":"positive","sentiment_score":0.3356005698442459,"channel":0,"num_words":2,"start":1418.7949,"end":1419.8549},{"sentences":[{"text":"Alright.","start":1419.9849,"end":1420.2249,"sentiment":"neutral","sentiment_score":0.17638903856277466},{"text":"Bye bye.","start":1420.2249,"end":1420.8848,"sentiment":"neutral","sentiment_score":0.0015183985233307024}],"sentiment":"neutral","sentiment_score":0.05980861186981201,"channel":1,"num_words":3,"start":1419.9849,"end":1420.8848}]},"summary":{"result":"success","short":"Representatives from Oakview Financial speak with Steven about his investment options, including a beta hybrid bank ETF and retirement age. They discuss retirement plans, retirement strategies, and the use of a pension account. The speakers emphasize the importance of staying on a gross risk profile and reducing exposure to growth assets, as well as the need for a growth portfolio and a moderate portfolio for a plus or minus 8% return on a good year. They provide information on investment strategies and promise to email the speaker with recommendations and information on their insurances."},"intents":{"segments":[{"text":"So one of the things with, Bennelong well, the issue with Bennelong itself is it's not that the Australian share market has performed poorly as a whole. It's more Bennelong's investment mandate that they follow, which is to identify companies within the Australian market that they believe are undervalued for growth opportunities. Now Yep.","start_word":136,"end_word":189,"intents":[{"intent":"Discuss benelong investment mandate","confidence_score":0.03872804}]},{"text":"So what we're how the superannuation works is while you're working and it's you're in what we call accumulation phase, so you're unable to access your because you haven't reached your preservation age, Yep. is when you retire, you you can withdraw it as a lump sum.","start_word":740,"end_word":786,"intents":[{"intent":"Calculate retirement age","confidence_score":0.0140407095}]},{"text":"So we can definite I'll I'll mark that down as a goal of yours, which we will keep touching on and tracking towards as retirement gets closer.","start_word":1324,"end_word":1350,"intents":[{"intent":"Define goals","confidence_score":0.0020294897}]},{"text":"I just wanted to check with you as well your debt levels. Did you update those with Connor when you were speaking with him? Yeah.","start_word":1487,"end_word":1511,"intents":[{"intent":"Check debt levels","confidence_score":0.48056257}]},{"text":"Have you thought about potentially consolidating those if possible for a and to pay off quicker? Or because I'm not sure what the interest rates are. I'm assuming on a credit card and the latitude, that'd be But is that something that you've thought of?","start_word":1588,"end_word":1632,"intents":[{"intent":"Consolidate debt","confidence_score":0.2504186},{"intent":"Consolidate cards","confidence_score":0.00583593}]},{"text":"So I'm gonna give you two bits of information that might help you. Because what I want to do is make sure that you pass what I call the sleep at night test. Yep.","start_word":2239,"end_word":2272,"intents":[{"intent":"Pass sleep at night test","confidence_score":0.49384335},{"intent":"Confirm understanding","confidence_score":0.032417253}]},{"text":"A gross portfolio, we recommend an investment time frame of a minimum of six years, and a moderate profile is a minimum of five years. So there's not much difference between the two time frame wise as to why we recommend the minimum holding Yep. in time frame.","start_word":2359,"end_word":2406,"intents":[{"intent":"Recommend investment time frame","confidence_score":0.48406774},{"intent":"Recommend investment time frame","confidence_score":0.039809786}]},{"text":"A gross portfolio, we recommend an investment time frame of a minimum of six years, and a moderate profile is a minimum of five years. So there's not much difference between the two time frame wise as to why we recommend the minimum holding Yep. in time frame. And that's just simply to allow for recovering of market fluctuations, so volatility.","start_word":2359,"end_word":2419,"intents":[{"intent":"Discuss portfolio volatility","confidence_score":0.0033746224}]},{"text":"It's not what your average expected return to be is because they're both relatively similar, you know, either side of each other, but Yep. it's the the volatility you can expect.","start_word":2470,"end_word":2500,"intents":[{"intent":"Discuss economic return and expectations","confidence_score":5.566342e-9}]},{"text":"So I think it's hard for I mean, I can make recommendation as as to what I think you should what risk profile you go with.","start_word":2606,"end_word":2631,"intents":[{"intent":"Express concern about risk profile","confidence_score":0.028311465}]},{"text":"So I think it's hard for I mean, I can make recommendation as as to what I think you should what risk profile you go with. Yep.","start_word":2606,"end_word":2632,"intents":[{"intent":"Recommend investment","confidence_score":0.04219437}]},{"text":"I am happy to do so, but I want to make sure that, you know, you said you're not concerned about it at the moment anyway, and you don't you only check it once a month.","start_word":2633,"end_word":2668,"intents":[{"intent":"Express satisfaction with change in policy","confidence_score":0.000001606747}]},{"text":"So that's why I don't bother with my super because Yep. I'll worry about that when the time comes when I actually get to the get to go and use it. So Yeah.","start_word":2746,"end_word":2778,"intents":[{"intent":"Recommend usage of super","confidence_score":0.0043697143},{"intent":"Discuss future use of super","confidence_score":0.009780948}]},{"text":"I'm gonna recommend that you stick with a gross risk profile. The reason being, you've got time on your side. Yep.","start_word":2844,"end_word":2864,"intents":[{"intent":"Recommend sticking with risk profile","confidence_score":0.3218252}]},{"text":"I'm gonna recommend that you stick with a gross risk profile. The reason being, you've got time on your side. Yep. You're not concerned about market movements as it is at the moment. We're gonna continue to in and review it at all of our reviews anyway. Yep. And when the time comes that it is appropriate to start reducing exposure to growth assets as we near retirement, Yep.","start_word":2844,"end_word":2912,"intents":[{"intent":"Discuss growth and investment options","confidence_score":0.000058554055}]},{"text":"The only actually, do you have a power of attorney in place? I'm So not sure.","start_word":2969,"end_word":2984,"intents":[{"intent":"Discuss power of attorney","confidence_score":0.3174034},{"intent":"Discuss power of attorney","confidence_score":0.04060535}]},{"text":"lot of as you know, even with us, we get you to go through security. If something happened to you, your partner wouldn't be out. We wouldn't be able to speak to her Okay. without that document.","start_word":3099,"end_word":3135,"intents":[{"intent":"Discuss security","confidence_score":0.012201222}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Steven. This is Jenna from Oakview Financial. How are you? Hey.","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.07744342088699341},{"text":"Good. Thank you. That's good.","start_word":13,"end_word":17,"sentiment":"positive","sentiment_score":0.5269544720649719},{"text":"Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching Yep. purposes. Is that okay? Yep. Beautiful. And I will also just ask you to please confirm your full name, date of birth, and address, please. Yep. It's Steven Kent. The third eleven sixty nine, and it's 50 Hereford Road, Mount Evelyn, Beautiful.","start_word":18,"end_word":82,"sentiment":"neutral","sentiment_score":0.05333220958709717},{"text":"Fantastic. Thank you for that.","start_word":83,"end_word":87,"sentiment":"positive","sentiment_score":0.546676516532898},{"text":"I am phoning today to go through an advice discussion following your review you Victoria. had with Connor Yep. just in relation particularly to the Benelong Australian share fund Yep. that I know that he spoke to you about. Yeah. Yep. I'm just jumping in at the moment. So one of the things with, Bennelong well, the issue with Bennelong itself is it's not that the Australian share market has performed poorly as a whole. It's more Bennelong's investment mandate that they follow, which is to identify companies within the Australian market that they believe are undervalued for growth opportunities. Now Yep. the last twelve or so months, that mandate hasn't proved fruitful for them as you can see from the return Yeah. Yeah. given Yeah. that the the banks and the the larger companies within the Australian share make share market were the performers. So our investment committee has identified that that's one fund that we're looking to well, investment, I should say. We're looking to evaluate for I should say. We're looking to evaluate for clients, review, and see if there's alternative options. And if you're comfortable with that, I would like to arrange Yep. that. Yep. Beautiful. And I know that Connor probably did I'm not sure if Connor spoke to you about the other investment option within your plan that I would like to look at. It's called the beta hybrid bank ETF. That there's nothing wrong with that that investment at all performing as it typically would being a defensive asset out a defensive asset, which is lower on the growth side and more on the income side. Yep. But the banking system's changing. And from January 2027, hybrids will be phased out completely. Okay. So what I'm doing with clients that I'm working with is I'm looking earlier rather than later at alternative options. I Yep. don't want to leave it till they phase out because I'm not sure what's going to happen, whether they decrease in value, what their replacement's gonna be valued at, those types of things. So that's another thing that I'm looking at investigating with clients that I'm working with. And if you're happy for me to do that, I'd like to do that as well. Yep. Yep.","start_word":88,"end_word":465,"sentiment":"neutral","sentiment_score":-0.020014789546765974},{"text":"Sounds good. Yeah. Fantastic.","start_word":466,"end_word":469,"sentiment":"positive","sentiment_score":0.5246912240982056},{"text":"So following your conversation with Connor, I just had a couple of quick questions Yep. that I wanted to run by you from an advice perspective, if that's okay. Yeah. Beautiful. But before I do that, do you have any questions No. for me? No. No. I sorta Yeah. All don't good. understand the whole superannuation thing anyway, but but as long as I've got some money when I retire, so I think that's all that matters. Yeah. What do you mean that you don't understand the superannuation thing? Is it the underlying investments or the purpose of super overall? Oh, I know the the overall super is when Yep. you retire, you've got some Yes. some money, but Yep. how it works when you retire, that I don't understand whether you get it in one lump sum or you just get bits of it every year or Yeah. or what. Yeah. That's I can quite I can give you a a very general overview of how that works so you do have an understanding of it. Because knowledge is power, and, you know, you know, you're 56 years of age. You have said that you wanna retire at 67. Is that still right? Oh, I get well, I don't know when you can start getting the pension. 67 is Oh, the age okay. at Well, the I've moment. gotta retire at 67 then. I'd Yep. like to retire earlier, but Yep. Okay. And we had down that you'd need $1,100 a week. Do you think in today's dollars? Do you think that that's still right? yeah. Probably. Yeah? Okay. So what we're how the superannuation works is while you're working and it's you're in what we call accumulation phase, so you're unable to access your because you haven't reached your preservation age, Yep. is when you retire, you you can withdraw it as a lump sum.","start_word":470,"end_word":786,"sentiment":"neutral","sentiment_score":-0.0021806556455297426},{"text":"We don't generally recommend that.","start_word":787,"end_word":791,"sentiment":"negative","sentiment_score":-0.36319464445114136},{"text":"Reasons being is that for tax effective purposes. So, typically, what you would see in retirement is that it would be rolled to a different type of account, which is we call a pension Yep. account. So you would work with us, and we would figure out what your income need is, what the gap is between any potential age pension versus your living expenses. We would look at your portfolio to see what drawdown you would need to fill that gap and would and would make sure that your portfolio is constructed in a way that there is still an allocation to growth, but there is cash available to meet your income needs. So we'd Okay. structure it in a different way to the way that it's invested now with in regards to the underlying investments. But the reason why we do transfer it typically to a pension pays is because when that income you draw down from your pension, which can be paid to you depending on what super fund you're with. It can be paid weekly, fortnightly, monthly, quarterly, half yearly, yearly, whatever your preference is. Okay. So if you're used to a weekly income, it can be paid weekly Oh, depending okay. again on Oh, my the I super get paid funds. fortnightly. So Yep. So at the time, you decide what works best for you. Yep. You know, some people might say, I want the age pension one for one week and then my other pension from my super the following week. So we would adjust it. It it just depends at that time. So Oh, okay. and then the income you receive from your pension is completely your superannuation pension is tax free.","start_word":792,"end_word":1080,"sentiment":"neutral","sentiment_score":0.08148236572742462},{"text":"So Oh, you're not okay.","start_word":1081,"end_word":1085,"sentiment":"negative","sentiment_score":-0.4906996786594391},{"text":"taxed on it. That's why we typically say and and then all the earnings within that fund at with today's laws in place is all tax free as well. So all Okay. the gross because at the moment, in super accumulation phase, you're paying 15% on the gross within the funds. The government takes 15% of that on tax. When Yeah. you're in pension phase, they take nothing.","start_word":1086,"end_word":1153,"sentiment":"neutral","sentiment_score":0.07099772989749908},{"text":"So we leave it invested so it continues to grow for longevity purposes to to try and ensure that you have an income for the remainder of your life.","start_word":1154,"end_word":1182,"sentiment":"positive","sentiment_score":0.3931659162044525},{"text":"Oh, okay. So we as that time approaches, we start looking at different sort of retirement strategies that we can implement, but that's essentially how it works once you get to retirement age. Does that Okay. help? Yep. Yep. Because my my whole idea when I retire is I wanna buy a motor home and just travel around Australia. Yep. How much do you think the motor home is gonna be roughly? Well well, I don't know. Depending on the sort I get, but I'm thinking maybe, like, up to a 120,000. That plan to fund it from super? Yeah. Okay. That was my plan, and then whatever was left, then just sort of use that as, like, income for traveling around and whatnot because I was gonna just do odd jobs as I was Yeah. going around. Yep. Okay. Alright. So we can definite I'll I'll mark that down as a goal of yours, which we will keep touching on and tracking towards as retirement gets closer. You know, we've it it might be that, you know, as retirement gets closer and that's the goal, it might be that we have a conversation that, you know, 1,100 a week is not sustainable. Or it is sustainable, but the funds are gonna run out at x y zed.","start_word":1183,"end_word":1400,"sentiment":"neutral","sentiment_score":0.0580022931098938},{"text":"So as we get closer to time and and we can project out balances in super a bit more accurately because even now, eleven years away, you know, projecting out, it's it's really just a figure that is fairly unreliable.","start_word":1401,"end_word":1440,"sentiment":"negative","sentiment_score":-0.37932461500167847},{"text":"Yeah. Yeah. So I'll mark that down as a goal that we can continue talking about and working towards. And as I said, as we get closer, we will start to look at things a little bit in a little bit more detail. Yep.","start_word":1441,"end_word":1484,"sentiment":"neutral","sentiment_score":0.13309108482843096},{"text":"Okay. Beautiful.","start_word":1485,"end_word":1486,"sentiment":"positive","sentiment_score":0.5099684000015259},{"text":"I just wanted to check with you as well your debt levels. Did you update those with Connor when you were speaking with him? Yeah. Yep. Yeah. You did? Alright. Yep. So you're are you still actively working towards paying those down? How are you going with that? Yeah. Yeah. No. I just I pay Yep. all my bills every every month Yep. or fortnight, when whichever ones they come out and Yep. Okay. so then. So So I noticed that you have the car loan, a personal loan, a credit card, and a latitude card? yep. Yep. I'm just looking. Have you thought about potentially consolidating those if possible for a and to pay off quicker? Or because I'm not sure what the interest rates are. I'm assuming on a credit card and the latitude, that'd be But is that something that you've thought of? Well, my Latitude card is interest free. Oh, I've is only it? Okay. used it as Beautiful. an interest for for interest free purchases. So I usually have Oh, it all paid fantastic. off before interest Oh, starts beautiful. Yeah. because Awesome. I always pay more than what I'm I normally Yeah. what their monthly Fantastic. thing is. Okay. What's And my the other credit card, it's yep. it's full. Like, it's not even used. Okay. Yeah. I might actually just run through these with you because I don't know if this sheet's been filled out correctly, to be honest with you. So I have Yep. the debt value for your car at 37. Does that sound right? Right? Beautiful. A personal loan for 20? Yep. Yep. So the credit card has a nil balance, you're telling me? Yep. But a $10,000 limit? But it has a 10,000 limit. Yeah. Yes. Okay. Sorry. It has been put in there that you've got a $10,000 debt. So I'm just gonna remove that. Oh, okay. No. That's just a $10,000 And, credit card. yeah, it's just been put in the wrong section. That's all. And the latitude card, what's the amount remaining on that? Okay. 13,000. Okay. And is that a $20,000 limit? Yeah. Yep. Yeah. Yeah. Sorry. It was in the wrong spot. Okay. That's why I had that's why I was asking the question. Alright. And we got a savings here of about 6,000. Is that right? Yep.","start_word":1487,"end_word":1880,"sentiment":"neutral","sentiment_score":-0.006751076810614166},{"text":"Fantastic. Beautiful. That's updated.","start_word":1881,"end_word":1884,"sentiment":"positive","sentiment_score":0.5218728184700012},{"text":"Yeah. Yep.","start_word":1885,"end_word":1886,"sentiment":"neutral","sentiment_score":0.18195270001888275},{"text":"So, Fantastic. Beautiful. That's updated.","start_word":1887,"end_word":1891,"sentiment":"positive","sentiment_score":0.5047074556350708},{"text":"So the and, additionally so you're going well on your debt.","start_word":1892,"end_word":1902,"sentiment":"neutral","sentiment_score":0.240782767534256},{"text":"That's perfect.","start_word":1903,"end_word":1904,"sentiment":"positive","sentiment_score":0.5795885324478149},{"text":"No issues there. You No. Because I have a I have a budget, and I stick to the budget. were So you stick to it.","start_word":1905,"end_word":1929,"sentiment":"neutral","sentiment_score":0.0888020321726799},{"text":"You all I love my that.","start_word":1930,"end_word":1935,"sentiment":"positive","sentiment_score":0.44346028566360474},{"text":"all my I have bills a get paid first, and then whatever's left over is what I use as I my spending money.","start_word":1936,"end_word":1958,"sentiment":"neutral","sentiment_score":0.2108011692762375},{"text":"love that.","start_word":1959,"end_word":1960,"sentiment":"positive","sentiment_score":0.33594346046447754},{"text":"That's exactly what I do, and I enforce that my husband does. He doesn't like it, but he doesn't. So I love that. Alright. So you a you're invested a you're invested as a growth risk profile. Yep. No. Sorry. Hang on. My notes here. You were previously invested as a growth investor. Your risk profile showed us. You are still invested as a growth risk profile. But when you completed the risk profile with Connor, the questions that he went through with you, you you might remember that some of them was what's the most aggressive investment you've made, how would you feel if your portfolio decreased by 20%. Do you remember those questions? Oh, yeah. Yep. Yeah. Yep. You came out as a moderate investor. So that's the step below a growth investor. So what we would see there is typically 70% invested in growth assets and 30% in your defensive assets. Assets. So I'm just my question to you is more so, do you think you do wanna lower your exposure to the growth assets, or are you comfortable remaining on a growth risk profile, which is 80% gross asset. To Yeah. So give that's you the other any thing I've yeah. I don't I'm not sure of either. Yeah. Yep.","start_word":1961,"end_word":2174,"sentiment":"neutral","sentiment_score":-0.0003564273742697785},{"text":"Like, I just I'm just happy to see that if my the money that's in my super just keeps going up.","start_word":2175,"end_word":2195,"sentiment":"positive","sentiment_score":0.3442491590976715},{"text":"Okay. So but So but the other let things and that's how they work, I'm not a 100% sure on, but that's why I guess alright. I'll leave it up to you guys and see what what whatever you think is best. Okay. So I'm gonna give you two bits of information that might help you. Because what I want to do is make sure that you pass what I call the sleep at night test. Yep.","start_word":2196,"end_word":2272,"sentiment":"neutral","sentiment_score":0.12472951412200928},{"text":"There's no worry. You're not concerned. You sleep well.","start_word":2273,"end_word":2281,"sentiment":"positive","sentiment_score":0.4717347025871277},{"text":"You're not lying there worrying about your super. So, Well, I don't worry basically, I'm about it gonna anyway. okay. Well, maybe you won't we I should just stick I with just I just check it every month and just see how it's going and yep. and Yep. and all that. I don't even bother about it. Alright. Well, if we look at it this way, you've got eleven years till your retirement, your planned retirement. Yeah. A gross portfolio, we recommend an investment time frame of a minimum of six years, and a moderate profile is a minimum of five years. So there's not much difference between the two time frame wise as to why we recommend the minimum holding Yep. in time frame. And that's just simply to allow for recovering of market fluctuations, so volatility. So, you know, one year, we might have a terrible, terrible year, and it might take eighteen months, two years to recover. That's why, Yep. though, like, to recover fully. So that's the time frame. And the difference between a growth and moderate portfolio, this is probably the big one. It's not what your average expected return to be is because they're both relatively similar, you know, either side of each other, but Yep. it's the the volatility you can expect. So with a growth portfolio, statistically, we say you can experience a plus or minus 11% fluctuation.","start_word":2282,"end_word":2517,"sentiment":"neutral","sentiment_score":-0.01914072096726652},{"text":"So that could be a negative like, you know, a really, really bad year, like, let's say, the GFC, for example, you could expect a negative 11% return.","start_word":2518,"end_word":2545,"sentiment":"negative","sentiment_score":-0.44337230920791626},{"text":"Okay. On a good year, statistically, you could go potentially an 11 return, whereas Yep. a moderate is a plus or minus 8% return. So Okay. there is a little bit of movement there in relation to what you could Yep. expect statistically. So it it's really within your your comfort levels, Okay. I guess, is what I'm saying. Yep. So I think it's hard for I mean, I can make recommendation as as to what I think you should what risk profile you go with. Yep. I am happy to do so, but I want to make sure that, you know, you said you're not concerned about it at the moment anyway, and you don't you only check it once a month. But if you're No. happy My my and that you're my my my my attitude on live is the yep. reason I don't worry about too much about my Subaru is because one day I could just walk out and start and get hit by bus, and Yeah. I'm not gonna It's see very my Subaru true. anyway. Yeah. It's for it's it's the future. It's a it's a thing we all face, isn't it? So yeah. So that's why I don't bother with my super because Yep. I'll worry about that when the time comes when I actually get to the get to go and use it. So Yeah. then Yeah. but until then, I don't bother I don't worry about Yeah. it. Well, So then I'm gonna because recommend things can just happen, like, in a blink of an eye just for any reason. So yeah. Yeah. And yeah.","start_word":2546,"end_word":2819,"sentiment":"neutral","sentiment_score":0.03778243437409401},{"text":"I a 100% I a 100% agree with you there.","start_word":2820,"end_word":2829,"sentiment":"positive","sentiment_score":0.356622576713562},{"text":"Anything can happen any day. We never know when our time's up. Nine. I'm gonna recommend that you stick with a gross risk profile. The reason being, you've got time on your side. Yep. You're not concerned about market movements as it is at the moment. We're gonna continue to in and review it at all of our reviews anyway. Yep. And when the time comes that it is appropriate to start reducing exposure to growth assets as we near retirement, Yep. that conversation's gonna be had anyway. Okay. Yeah. Okay. So are you comfortable with maintaining that growth profile? Yeah. Yep.","start_word":2830,"end_word":2931,"sentiment":"neutral","sentiment_score":0.1059318249862568},{"text":"Beautiful. Alright.","start_word":2932,"end_word":2933,"sentiment":"positive","sentiment_score":0.4439955651760102},{"text":"I don't really have any other questions. Do you have any questions. Do you have any questions for me? No. It's No? it's all good. Just keep Yeah.","start_word":2934,"end_word":2961,"sentiment":"neutral","sentiment_score":0.06109442561864853},{"text":"growing my money. I'll do my best.","start_word":2962,"end_word":2968,"sentiment":"positive","sentiment_score":0.36283791065216064},{"text":"The only actually, do you have a power of attorney in place? I'm So not sure. what's that My my partner is on my will, but yep. I don't know if she's So a power turning. yeah. So that's a separate document. What it does is it allows someone to make decisions on your behalf whilst Oh, if you're I'm on alive. if I can't if I can't make Yes. sensible Very, very decisions. Yeah. Yeah. Well, not even sensible decisions. It could be that I If always I get hit refer by a to button yesterday. or vegetable. Yeah. Or you're in a coma or some there's you know, bills need paying. You know, there's someone needs to be able to do that Yep. on your behalf. A Yep. lot of as you know, even with us, we get you to go through security. If something happened to you, your partner wouldn't be out. We wouldn't be able to speak to her Okay. without that document. So Yep. it's a it's a relatively simple document. I Yep. can send you an email on some in some links to it and also how you can establish them. Yep. If you like, you can get advice from a lawyer to do it. Some of the some of them you can do it yourself, to be honest with you. So I'll send Yep. you some information on that. Okay. It's an important document to have in place. Okay. And Yeah. I've got I think I've got one for my sister. I'm I'm her power of attorney, I Yep. think. Okay. Yeah. Yeah. So yeah. And you have a partner. I have you down as single. What's your partner's name? Ren. Ren. How do I spell that? R e n. R e n. Obvious. Yep. I just wanted to make sure. Do you want her noted as your next of kin should anything happen to you or that we need to contact you urgently about anything? Yeah. Yep. Yeah. What's her best number? 0400, Yep. 906000. Nine zero 6000.","start_word":2969,"end_word":3314,"sentiment":"neutral","sentiment_score":0.004096426093961635},{"text":"Beautiful. That's a nice easy number to remember.","start_word":3315,"end_word":3322,"sentiment":"positive","sentiment_score":0.5895537734031677},{"text":"And what's Yeah. her Mason. surname? Mason.","start_word":3323,"end_word":3329,"sentiment":"neutral","sentiment_score":0.06561292707920074},{"text":"Beautiful.","start_word":3330,"end_word":3330,"sentiment":"positive","sentiment_score":0.34227991104125977},{"text":"I'll update that to make sure that that is recorded. Alright. I'm gonna email you some information on house of attorney. And then just lastly, did you wanna look at your insurances, say your life, TPD, income protection, trauma insurance? No. I'm alright for that. Yeah? Nope. That's okay. Alright. What I'm gonna do, Steven, is I'm gonna go and add to my homework list looking at those investment options. Yep. And I am also gonna email you some details about a power of attorney. Okay. So you can look at getting that in place for yourself. Yep.","start_word":3331,"end_word":3428,"sentiment":"neutral","sentiment_score":0.052693530917167664},{"text":"Beautiful.","start_word":3429,"end_word":3429,"sentiment":"positive","sentiment_score":0.4574190378189087},{"text":"Alright. Is there anything else I can help you with today? No. That's that's about it. Thank Yeah? you. Okay. Alright.","start_word":3430,"end_word":3450,"sentiment":"neutral","sentiment_score":0.1325315237045288},{"text":"Beautiful.","start_word":3451,"end_word":3451,"sentiment":"positive","sentiment_score":0.4401223659515381},{"text":"Well, if you do need help with anything else, let me know, and we can, you know, just pick up the call, pick up the phone, shoot us an email, and we can get that.","start_word":3452,"end_word":3486,"sentiment":"neutral","sentiment_score":0.22619004547595975},{"text":"We can help you with whatever it is that you need.","start_word":3487,"end_word":3497,"sentiment":"positive","sentiment_score":0.35281944274902344},{"text":"Yep. Okay.","start_word":3498,"end_word":3499,"sentiment":"neutral","sentiment_score":0.22463183104991913},{"text":"Beautiful. Sounds Well, good.","start_word":3500,"end_word":3503,"sentiment":"positive","sentiment_score":0.5338773131370544},{"text":"I'll be in contact in about probably about two weeks or so Yep. to set in a time just to present the recommendations to you, Okay. and we'll go from there.","start_word":3504,"end_word":3534,"sentiment":"neutral","sentiment_score":0.12863123416900635},{"text":"Alright. Fantastic. Sounds good. Thanks Alright. for your time today. Alright. Thank you. Okay.","start_word":3535,"end_word":3548,"sentiment":"positive","sentiment_score":0.6847837567329407},{"text":"Bye. Alright. Bye bye.","start_word":3549,"end_word":3552,"sentiment":"neutral","sentiment_score":0.21418869495391848}],"average":{"sentiment":"neutral","sentiment_score":0.03908857415104063}}}}