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That's what we love to hear. It's the perfect time of year, isn't it? Yeah. WA and Queensland seem to be sort of brother states a little bit, and I don't think I ever wanna go to New South Wales or Victoria to live. I'd prefer to stay here. Yeah. Absolutely. It's all last time I went to Melbourne, I think it just bounced between, like, summer and winter every six hours. I know. That's what they say. That's what they say. Tony, I've got an annual review pack to send out to you today. Do you still have a bit of time for me? Perfect. Easy done. I'll try and keep it relatively brief, but you do have a few moving parts with the pensions and the super and the insurance. So I wanna make sure I touch on everything today. Usual security process, are you okay for the call to be recorded? Perfect. And just for the security of your account, so I'm registered with Asic as Adviser 1273105. Are you okay to confirm your date of birth and address, please? Perfect. And residential address? Amazing. So I'm gonna pop this pack through to your Tony Wrightson seven email address. Will you be able to look onto that with me today, or do you want me to just kind of walk through what's there? Perfect. So I'm gonna send it through now. Now it's coming through from our new system. We have a beautiful new system that we custom built for ourselves to better track everyone's advice, and it also has an inbuilt DocuSign function as well. So first time this email comes through, it may go through to your spam box. It may go through to your inbox. Oh, instant. Perfect. Love it. So it's got a number of attachments there just like a normal email attachment, and then it has a link to an updated service agreement if you're comfortable to remain a client with us after this review. So what I wanted to do to begin with, if it's okay, is just kind of run through some updated details. But is there anything in particular you would like to get out of this year's review? All kinds of things. So I might jump into the super performance first if that if you'd prefer. Absolutely. So you're in a split between super and pension, pretty similar portfolios. What we're basically seeing is all of those news announcements, everything every time there's a a closure in the straight, the the stock market takes a bit of a tumble. On top of that, interest rates creeping up because inflation is looking to creep up too. So we're kind of hit between a rock and a hard place in Australia where raising interest rates might cause the economy to tumble. But if they keep them low, inflation is gonna creep up and the cost of living gets out of control. So they've kind of snook it themselves a little bit, unfortunately, and that's exactly. So that's causing a bit of jitters for sure, but your portfolio has actually been doing pretty well. It's handled it alright. I think there's only one option in there that's kind of underperformed out of eight. Seven of them have done pretty fantastic. So if I just look at the super, you when we set up your transition pension at the 2024, we left it with $10,000 as a as a baseline and the rest moved into your pension account. Does that ring a bell? Perfect. It's built up to 31,000 as of today, both in contributions and returns. Looking at your performance sheet, you've still been positive for the year by a few percent even though the market's been tumbling. Most of your options there, gold, American shares, a few different things are up 27, 34, 11%. You do have one option that has gone down 21%, which is the Australian shares. So, overall, it's held pretty well, but I do want to replace that option with a better Australian shares option, but the rest of them seem to be doing exactly what we want them to do. Yes. Easy done. So part of this process too is I get you an updated statement of advice just so you've got it in writing, what we're looking to change, the pros and cons, and part of it too is just when it comes to the pension side of things. So your pension account I'm just switching it over from super to pension. Now you're getting fortnightly payments of $260 per fortnight coming out of the pension account. I'm assuming that's been coming through okay to you. Perfect. So I've got your previous statement of advice open, and I'm just looking through that strategy to update it. Because what we normally do is your contributions go into super, and money comes out of the pension. So each year, we just tend to refresh it, move some more across from the super, refill up the pension account. That way, it's all nice and sort of tax free for you, all that kind of thing. In terms of the strategy itself, so is the two sixty fortnight coming out still okay in terms of maintaining your your living standards? Yeah. Correct. One of the things that I'm just kind of thinking is I'm having a look at your, like, contribution statements from work. You're still working for Allset property settlements. Is that right? Yep. So that's been nice and consistent. You're not doing any sort of additional contributions to super or anything like that? Perfect. So the the whole point behind part of the strategy is to put in a little bit of salary sacrifice and pull a bit of money out of pension. But how is everything on an income level for you at the moment? Have you had any increases or decreases to your income? Cool. So 90,000 is still okay? Perfect. Now when it comes to those contributions in, if nothing is going in for salary sacrifice, do you feel like you need that two six year fortnight on top of your income to kind of get by? Yeah. And one of the cool things about the TTR strategy that we've got you in is you basically pull money out, put it back in again for a bit of a tax deduction, and boost up your super that way. So are you okay for me to kind of recalculate that a little bit? And in that updated document, I can kind of refresh the figures for you, and that will that'll probably involve absolutely. What I'm basically trying to do is just get that super boosting up as much as we can without impacting your take home pay. So what that'll look like is once I calculate that refresh of super back into pension, I'll figure out how much we can pull out, how much we can put back in, and it's just a matter of we'll do everything in the background. You talk to your employer, and that'll start boosting up pretty nicely. Yeah. So the way it kind of works is because when you put it in, it's taxed at 15%. You can put in, say, a $100. It costs you 85, and then we can pull 85 out of your pension account, and you'll still end up on the same pay. And there'll be a little bit of a tax difference there, That usual kind of difference between the 32 and the 15%, that 17% tax benefit, that goes in and boosts up your super a little bit. Perfect. I'm just going to double check risk levels because part of everything that's going on, we need to make sure you're not in anything too risky. Now you do have around about 15% in kind of safe assets at the moment, and it's really trying to kind of grow grow and offset what's coming out of the pension account, if that makes sense. So when we're looking at your risk level, we technically call it balanced growth, which is kind of like a 3.5 out of five. So it's a little bit more focused on growing, but it's not medium high, high risk. But we're still trying to get you some growth out of the super because if we put it too conservative, it would start to kind of go down, and you're not gonna get it to anywhere comfortable over the next few years. K? It does mean it's gonna bounce around a little bit between seven to 15% up and down with what's going on in the world, but it'll average out over, say, seven years' time. Now what about the kind of full retirement idea? Are you looking to kind of hang up the boots at 67 when you can have your super plus the age pension in combination? Yeah. So for the time being, the priority is sort of finish off paying the mortgage, keep boosting up the super a little bit, and then you're probably gonna be fully accessing everything much later sometime between 6770 maybe. Yep. Perfect. How has everything gone with the mortgage itself as well? Because I think last check, we had the home valued at 750,000, and the amazing. How good is that? One of the interesting things is if you can kind of make that work for you would be nice because having all that equity there kind of doesn't do much from a cash flow standpoint. So yeah. Have you considered downsizing down the line? Is that something that you you're thinking of? Yep. Totally fair. How much is owing on the mortgage now? I think it was $4.25 last check. Yep. $425,000. So we're gonna try and get that out. Now in terms of the family side of things, do you have any dependents under the age of 18, or are they all kind of dependent adults, we would say? Yeah. Perfect. Perfect. Perfect. Do you have anything else in the way of assets or liabilities we don't already have? We had a little bit of home content in a car and a bit of a motor vehicle loan. That was about it. Yep. I think we had it at 15,000. Does that sound about right, or is it below 10 now? Yep. Is it okay if I put in about 9,000 for the time being? Perfect. Never gone through a bankruptcy before. That's all good. You've never gone through a debt agreement before, have you, like a part nine? Now if you if you've been through it, you would know. And if you haven't, you wouldn't. So that's totally fine. Outside of that, did you end up putting in place, like, a will or a power of attorney? K. Is that something that you still wanna do? Oh, no. I know. Too hard basket, and it is one of those things that I just see it so often. The, you know, baby boomer generation, people fighting over estates and and all this kind of thing, and having something in writing definitely helps or let them squabble, I guess. Awesome. So don't need to get the old post office will kit for $25. You've got people to go to. Amazing. Yes. Absolutely. I'm just having a look at the beneficiaries. You do have Christopher, Gemma, and Jai split fifty percent twenty five twenty five. You're still okay to leave them on there as is? Yep. Alrighty. That's okay. The insurance side of things, I have a policy here for you. I'm just gonna bring that up and make sure we don't need to make any changes there. Let's have a look. Neos cover. So I need to be careful with your Neos cover because every November, there's an anniversary, and, unfortunately, tend to spike up quite a lot every year at your age. And I need to make sure it's not eating away super too much. So you do have life insurance renewals of 314,000. Now that covers a big chunk of the mortgage. It doesn't cover the full mortgage, but it does cost over $4,000 a year in premiums. And my best guess is that in November this year, it could be 5,005 and a half thousand at the next anniversary. Yes. So the options are we either cancel it and then you don't have that protection, we reduce it, or we look at another provider and see if we can get it a bit cheaper. Yep. Now I think you would be, I believe, 61 at the moment. Correct? 62. Okay. So I I think '61 is the last year that you can get a new life policy. I will double check because I know MetLife is really good for extending out when the entry age is. So I'll do a quote through them. Do you want me to do a quote for the same amount, or do you wanna look at reducing a little bit? Yeah. Okay. So I'll do the same level for a quote with another provider. If I can't get a replacement provider that's cheaper, do you wanna leave it until November? Do you wanna then reduce it? What would you like to do if I can't get something with another provider? K. Yeah. And it is yeah. It's a bit of a hockey stick graph. And the most painful thing that I see is I have people come into my office who are in their sixties, and they've kind of haven't looked at it for ten years. And next thing you know, I've had people paying $20,000 a year for insurances. Yeah. So I'm very vigilant with it and just going, okay. The investments are going pretty well with Hub. You're paying off your mortgage. We're gonna do a TTR strategy for the contributions. That's great. But fees, we need to keep to a minimum as well. So what I'm gonna do is I'll go through and try and get some quotes and see if I can do anything about another provider, and then I'll get back to you straight away while I'm working on that updated plan. Fantastic. I will. I'll tell them that exactly. I'm assuming you haven't had any actually, let me check the inception date for your nails just in case because that has a big impact. So this one you've had since 2020. Now between 2020 and 2026, have you had any major health episodes or anything that they wouldn't already know about? Perfect. Perfect. So I can kind of use the previous information for the time being and at least just go for the quote and see if I can get anything in the first instance. Perfect. Perfect. Now besides those few areas that we've just discussed, is there any questions on your end so far? K. Anything for you guys in terms of goals over the next few years that I haven't already noted down? Pretty much. It's a yearly premium with a 15% tax rebate that gets supplied when it when the money comes out. So it's not paid monthly, but that would be the equivalent. Yeah. Yeah. And when you've got the the sort of balance that you do have, it's a big portion, especially compared to your contributions. So great in 2020. The more it creeps up, the more it's kind of slowing things down for you. Yeah. That's the I think the worst part about insurance is everyone says, yep. I love the protection. And the worst case scenario is that you never need it, which is great. But then it's just, again, premiums that have gone off. So my job is to keep an eye on that and make sure we can get you into a good position. And then that's being invested and trying to grow as well. So all of those amounts yeah. And believe you may, by the time you get through towards 67, the premiums will be $10. So at some point, the idea is mortgage is paid down, your super is built up, and you don't need the cover anymore. Yep. So what I wanna do is I'll go do some research. You give it some thought, and then we'll come back together for another quick catch up just to see which way you would prefer to go, and then I'll build that into the plan and make the updates for you. Fantastic. Outside of that, basically, the main thing like, all the goals seem pretty straightforward. Let's get the super growing, pay down the mortgage, keep a lid on costs, and just try and enjoy and get through life. Cool. The other documents that are there, so that pack that I've sent you through, that has a financial services guide that's updated license info, complaints procedure, what we can and can't give advice on, and an Oakview services guide, you know, pictures of the team, all the different networks that we're a part of, all that kind of thing. And there's a service agreement there as well. So we still do charge the 1.65% out of the super. And then, obviously, I factor that in to the returns to make sure everything I tell you is after fees. When you get to 600,000, there is a cap, but, basically, that's the percentage to remain advisers on your account. Are you still comfortable for us to be looking after all of this? Cool. Alright. So if you can give that one, let me just have a look at your hub account to see where the services are at. Just loading it up now. So we do have everything kind of expires on the seventeenth of next month. So if you are able to give that one a sign, we'll apply that to the hub account, and then we can continue to look after it and make the changes. I will basically like to give you a call maybe next week about the insurances. And then the week after, I would like to present you with that updated plan and rebalance your pension and all that kind of thing. Is that okay? Cool. Is it possible to still like, what's a good days and times to reach you just so I can kind of maybe put a tentative into my calendar? Yep. So right now, we were looking at 08:00 appointments. It's 10:00 in Queensland. Even earlier as well. Fantastic. So any specific days? Perfect. So anytime next week early in the morning, I'll give you a buzz and let you know how I've gone. And if you can just give that some thought, that'd be fantastic. Awesome. Now I do appreciate you taking the time this morning because definitely a few things we can do to help, and that's all part of the process in the service. Any questions for me, Tony, before I let you go? Amazing. If you have any questions, please call back in. I hope you enjoy the beautiful weather, and have a fantastic day at work. Always the way, Tony. Awesome, mate. I'll talk to you next week. K? Cheers. 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morning, Tony. It's Tommy here from Oakview Financial. How are you doing today? I'm living the dream. It's a beautiful, cool Easter day still.\n\nHow about your end? How's WA? That's what we love to hear. It's the perfect time of year, isn't it? Yeah.\n\nWA and Queensland seem to be sort of brother states a little bit, and I don't think I ever wanna go to New South Wales or Victoria to live. I'd prefer to stay here. Yeah. Absolutely. It's all last time I went to Melbourne, I think it just bounced between, like, summer and winter every six hours.\n\nI know. That's what they say. That's what they say. Tony, I've got an annual review pack to send out to you today. Do you still have a bit of time for me?\n\nPerfect. Easy done. I'll try and keep it relatively brief, but you do have a few moving parts with the pensions and the super and the insurance. So I wanna make sure I touch on everything today. Usual security process, are you okay for the call to be recorded?\n\nPerfect. And just for the security of your account, so I'm registered with Asic as Adviser 1273105. Are you okay to confirm your date of birth and address, please? Perfect. And residential address?\n\nAmazing. So I'm gonna pop this pack through to your Tony Wrightson seven email address. Will you be able to look onto that with me today, or do you want me to just kind of walk through what's there? Perfect. So I'm gonna send it through now.\n\nNow it's coming through from our new system. We have a beautiful new system that we custom built for ourselves to better track everyone's advice, and it also has an inbuilt DocuSign function as well. So first time this email comes through, it may go through to your spam box. It may go through to your inbox. Oh, instant.\n\nPerfect. Love it. So it's got a number of attachments there just like a normal email attachment, and then it has a link to an updated service agreement if you're comfortable to remain a client with us after this review. So what I wanted to do to begin with, if it's okay, is just kind of run through some updated details. But is there anything in particular you would like to get out of this year's review?\n\nAll kinds of things. So I might jump into the super performance first if that if you'd prefer. Absolutely. So you're in a split between super and pension, pretty similar portfolios. What we're basically seeing is all of those news announcements, everything every time there's a a closure in the straight, the the stock market takes a bit of a tumble.\n\nOn top of that, interest rates creeping up because inflation is looking to creep up too. So we're kind of hit between a rock and a hard place in Australia where raising interest rates might cause the economy to tumble. But if they keep them low, inflation is gonna creep up and the cost of living gets out of control. So they've kind of snook it themselves a little bit, unfortunately, and that's exactly. So that's causing a bit of jitters for sure, but your portfolio has actually been doing pretty well.\n\nIt's handled it alright. I think there's only one option in there that's kind of underperformed out of eight. Seven of them have done pretty fantastic. So if I just look at the super, you when we set up your transition pension at the 2024, we left it with $10,000 as a as a baseline and the rest moved into your pension account. Does that ring a bell?\n\nPerfect. It's built up to 31,000 as of today, both in contributions and returns. Looking at your performance sheet, you've still been positive for the year by a few percent even though the market's been tumbling. Most of your options there, gold, American shares, a few different things are up 27, 34, 11%. You do have one option that has gone down 21%, which is the Australian shares.\n\nSo, overall, it's held pretty well, but I do want to replace that option with a better Australian shares option, but the rest of them seem to be doing exactly what we want them to do. Yes. Easy done. So part of this process too is I get you an updated statement of advice just so you've got it in writing, what we're looking to change, the pros and cons, and part of it too is just when it comes to the pension side of things. So your pension account I'm just switching it over from super to pension.\n\nNow you're getting fortnightly payments of $260 per fortnight coming out of the pension account. I'm assuming that's been coming through okay to you. Perfect. So I've got your previous statement of advice open, and I'm just looking through that strategy to update it. Because what we normally do is your contributions go into super, and money comes out of the pension.\n\nSo each year, we just tend to refresh it, move some more across from the super, refill up the pension account. That way, it's all nice and sort of tax free for you, all that kind of thing. In terms of the strategy itself, so is the two sixty fortnight coming out still okay in terms of maintaining your your living standards? Yeah. Correct.\n\nOne of the things that I'm just kind of thinking is I'm having a look at your, like, contribution statements from work. You're still working for Allset property settlements. Is that right? Yep. So that's been nice and consistent.\n\nYou're not doing any sort of additional contributions to super or anything like that? Perfect. So the the whole point behind part of the strategy is to put in a little bit of salary sacrifice and pull a bit of money out of pension. But how is everything on an income level for you at the moment? Have you had any increases or decreases to your income?\n\nCool. So 90,000 is still okay? Perfect. Now when it comes to those contributions in, if nothing is going in for salary sacrifice, do you feel like you need that two six year fortnight on top of your income to kind of get by? Yeah.\n\nAnd one of the cool things about the TTR strategy that we've got you in is you basically pull money out, put it back in again for a bit of a tax deduction, and boost up your super that way. So are you okay for me to kind of recalculate that a little bit? And in that updated document, I can kind of refresh the figures for you, and that will that'll probably involve absolutely. What I'm basically trying to do is just get that super boosting up as much as we can without impacting your take home pay. So what that'll look like is once I calculate that refresh of super back into pension, I'll figure out how much we can pull out, how much we can put back in, and it's just a matter of we'll do everything in the background.\n\nYou talk to your employer, and that'll start boosting up pretty nicely. Yeah. So the way it kind of works is because when you put it in, it's taxed at 15%. You can put in, say, a $100. It costs you 85, and then we can pull 85 out of your pension account, and you'll still end up on the same pay.\n\nAnd there'll be a little bit of a tax difference there, That usual kind of difference between the 32 and the 15%, that 17% tax benefit, that goes in and boosts up your super a little bit. Perfect. I'm just going to double check risk levels because part of everything that's going on, we need to make sure you're not in anything too risky. Now you do have around about 15% in kind of safe assets at the moment, and it's really trying to kind of grow grow and offset what's coming out of the pension account, if that makes sense. So when we're looking at your risk level, we technically call it balanced growth, which is kind of like a 3.5 out of five.\n\nSo it's a little bit more focused on growing, but it's not medium high, high risk. But we're still trying to get you some growth out of the super because if we put it too conservative, it would start to kind of go down, and you're not gonna get it to anywhere comfortable over the next few years. K? It does mean it's gonna bounce around a little bit between seven to 15% up and down with what's going on in the world, but it'll average out over, say, seven years' time. Now what about the kind of full retirement idea?\n\nAre you looking to kind of hang up the boots at 67 when you can have your super plus the age pension in combination? Yeah. So for the time being, the priority is sort of finish off paying the mortgage, keep boosting up the super a little bit, and then you're probably gonna be fully accessing everything much later sometime between 6770 maybe. Yep. Perfect.\n\nHow has everything gone with the mortgage itself as well? Because I think last check, we had the home valued at 750,000, and the amazing. How good is that? One of the interesting things is if you can kind of make that work for you would be nice because having all that equity there kind of doesn't do much from a cash flow standpoint. So yeah.\n\nHave you considered downsizing down the line? Is that something that you you're thinking of? Yep. Totally fair. How much is owing on the mortgage now?\n\nI think it was $4.25 last check. Yep. $425,000. So we're gonna try and get that out. Now in terms of the family side of things, do you have any dependents under the age of 18, or are they all kind of dependent adults, we would say?\n\nYeah. Perfect. Perfect. Perfect. Do you have anything else in the way of assets or liabilities we don't already have?\n\nWe had a little bit of home content in a car and a bit of a motor vehicle loan. That was about it. Yep. I think we had it at 15,000. Does that sound about right, or is it below 10 now?\n\nYep. Is it okay if I put in about 9,000 for the time being? Perfect. Never gone through a bankruptcy before. That's all good.\n\nYou've never gone through a debt agreement before, have you, like a part nine? Now if you if you've been through it, you would know. And if you haven't, you wouldn't. So that's totally fine. Outside of that, did you end up putting in place, like, a will or a power of attorney?\n\nK. Is that something that you still wanna do? Oh, no. I know. Too hard basket, and it is one of those things that I just see it so often.\n\nThe, you know, baby boomer generation, people fighting over estates and and all this kind of thing, and having something in writing definitely helps or let them squabble, I guess. Awesome. So don't need to get the old post office will kit for $25. You've got people to go to. Amazing.\n\nYes. Absolutely. I'm just having a look at the beneficiaries. You do have Christopher, Gemma, and Jai split fifty percent twenty five twenty five. You're still okay to leave them on there as is?\n\nYep. Alrighty. That's okay. The insurance side of things, I have a policy here for you. I'm just gonna bring that up and make sure we don't need to make any changes there.\n\nLet's have a look. Neos cover. So I need to be careful with your Neos cover because every November, there's an anniversary, and, unfortunately, tend to spike up quite a lot every year at your age. And I need to make sure it's not eating away super too much. So you do have life insurance renewals of 314,000.\n\nNow that covers a big chunk of the mortgage. It doesn't cover the full mortgage, but it does cost over $4,000 a year in premiums. And my best guess is that in November this year, it could be 5,005 and a half thousand at the next anniversary. Yes. So the options are we either cancel it and then you don't have that protection, we reduce it, or we look at another provider and see if we can get it a bit cheaper.\n\nYep. Now I think you would be, I believe, 61 at the moment. Correct? 62. Okay.\n\nSo I I think '61 is the last year that you can get a new life policy. I will double check because I know MetLife is really good for extending out when the entry age is. So I'll do a quote through them. Do you want me to do a quote for the same amount, or do you wanna look at reducing a little bit? Yeah.\n\nOkay. So I'll do the same level for a quote with another provider. If I can't get a replacement provider that's cheaper, do you wanna leave it until November? Do you wanna then reduce it? What would you like to do if I can't get something with another provider?\n\nK. Yeah. And it is yeah. It's a bit of a hockey stick graph. And the most painful thing that I see is I have people come into my office who are in their sixties, and they've kind of haven't looked at it for ten years.\n\nAnd next thing you know, I've had people paying $20,000 a year for insurances. Yeah. So I'm very vigilant with it and just going, okay. The investments are going pretty well with Hub. You're paying off your mortgage.\n\nWe're gonna do a TTR strategy for the contributions. That's great. But fees, we need to keep to a minimum as well. So what I'm gonna do is I'll go through and try and get some quotes and see if I can do anything about another provider, and then I'll get back to you straight away while I'm working on that updated plan. Fantastic.\n\nI will. I'll tell them that exactly. I'm assuming you haven't had any actually, let me check the inception date for your nails just in case because that has a big impact. So this one you've had since 2020. Now between 2020 and 2026, have you had any major health episodes or anything that they wouldn't already know about?\n\nPerfect. Perfect. So I can kind of use the previous information for the time being and at least just go for the quote and see if I can get anything in the first instance. Perfect. Perfect.\n\nNow besides those few areas that we've just discussed, is there any questions on your end so far? K. Anything for you guys in terms of goals over the next few years that I haven't already noted down? Pretty much. It's a yearly premium with a 15% tax rebate that gets supplied when it when the money comes out.\n\nSo it's not paid monthly, but that would be the equivalent. Yeah. Yeah. And when you've got the the sort of balance that you do have, it's a big portion, especially compared to your contributions. So great in 2020.\n\nThe more it creeps up, the more it's kind of slowing things down for you. Yeah. That's the I think the worst part about insurance is everyone says, yep. I love the protection. And the worst case scenario is that you never need it, which is great.\n\nBut then it's just, again, premiums that have gone off. So my job is to keep an eye on that and make sure we can get you into a good position. And then that's being invested and trying to grow as well. So all of those amounts yeah. And believe you may, by the time you get through towards 67, the premiums will be $10.\n\nSo at some point, the idea is mortgage is paid down, your super is built up, and you don't need the cover anymore. Yep. So what I wanna do is I'll go do some research. You give it some thought, and then we'll come back together for another quick catch up just to see which way you would prefer to go, and then I'll build that into the plan and make the updates for you. Fantastic.\n\nOutside of that, basically, the main thing like, all the goals seem pretty straightforward. Let's get the super growing, pay down the mortgage, keep a lid on costs, and just try and enjoy and get through life. Cool. The other documents that are there, so that pack that I've sent you through, that has a financial services guide that's updated license info, complaints procedure, what we can and can't give advice on, and an Oakview services guide, you know, pictures of the team, all the different networks that we're a part of, all that kind of thing. And there's a service agreement there as well.\n\nSo we still do charge the 1.65% out of the super. And then, obviously, I factor that in to the returns to make sure everything I tell you is after fees. When you get to 600,000, there is a cap, but, basically, that's the percentage to remain advisers on your account. Are you still comfortable for us to be looking after all of this? Cool.\n\nAlright. So if you can give that one, let me just have a look at your hub account to see where the services are at. Just loading it up now. So we do have everything kind of expires on the seventeenth of next month. So if you are able to give that one a sign, we'll apply that to the hub account, and then we can continue to look after it and make the changes.\n\nI will basically like to give you a call maybe next week about the insurances. And then the week after, I would like to present you with that updated plan and rebalance your pension and all that kind of thing. Is that okay? Cool. Is it possible to still like, what's a good days and times to reach you just so I can kind of maybe put a tentative into my calendar?\n\nYep. So right now, we were looking at 08:00 appointments. It's 10:00 in Queensland. Even earlier as well. Fantastic.\n\nSo any specific days? Perfect. So anytime next week early in the morning, I'll give you a buzz and let you know how I've gone. And if you can just give that some thought, that'd be fantastic. Awesome.\n\nNow I do appreciate you taking the time this morning because definitely a few things we can do to help, and that's all part of the process in the service. Any questions for me, Tony, before I let you go? Amazing. If you have any questions, please call back in. I hope you enjoy the beautiful weather, and have a fantastic day at work.\n\nAlways the way, Tony. Awesome, mate. I'll talk to you next week. K? Cheers.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good morning, Tony.","start":4.88,"end":5.8399997,"sentiment":"neutral","sentiment_score":0.29506202538808185},{"text":"It's Tommy here from Oakview Financial.","start":5.8399997,"end":7.68,"sentiment":"neutral","sentiment_score":0.23251775155464807},{"text":"How are you doing today?","start":7.68,"end":8.66,"sentiment":"neutral","sentiment_score":0.23874344527721406},{"text":"I'm living the dream.","start":10.639999,"end":11.759999,"sentiment":"positive","sentiment_score":0.6008259952068329},{"text":"It's a beautiful, cool Easter day still.","start":11.759999,"end":14.58,"sentiment":"positive","sentiment_score":0.6860038723264422}],"sentiment":"positive","sentiment_score":0.42717363595962526,"num_words":25,"start":4.88,"end":14.58},{"sentences":[{"text":"How about your end?","start":14.985,"end":15.965,"sentiment":"neutral","sentiment_score":0.14685019105672836},{"text":"How's WA?","start":16.185,"end":17.085,"sentiment":"neutral","sentiment_score":0.04476629197597504},{"text":"That's what we love to hear.","start":22.744999,"end":23.945,"sentiment":"positive","sentiment_score":0.6571704745292664},{"text":"It's the perfect time of year, isn't it?","start":23.945,"end":26.125,"sentiment":"positive","sentiment_score":0.4319332353770733},{"text":"Yeah.","start":31.16,"end":31.66,"sentiment":"neutral","sentiment_score":-0.028012815862894055}],"sentiment":"positive","sentiment_score":0.3832099648813407,"num_words":21,"start":14.985,"end":31.66},{"sentences":[{"text":"WA and Queensland seem to be sort of brother states a little bit, and I don't think I ever wanna go to New South Wales or Victoria to live.","start":31.8,"end":38.36,"sentiment":"neutral","sentiment_score":-0.11180811869943964},{"text":"I'd prefer to stay here.","start":38.36,"end":39.795,"sentiment":"neutral","sentiment_score":-0.17499559819698335},{"text":"Yeah.","start":42.835,"end":43.234997,"sentiment":"neutral","sentiment_score":-0.04586612433195114},{"text":"Absolutely.","start":43.234997,"end":43.734997,"sentiment":"neutral","sentiment_score":0.017994562163949013},{"text":"It's all last time I went to Melbourne, I think it just bounced between, like, summer and winter every six hours.","start":43.875,"end":48.934998,"sentiment":"neutral","sentiment_score":-0.016365225947949858}],"sentiment":"neutral","sentiment_score":-0.0787535919358529,"num_words":57,"start":31.8,"end":48.934998},{"sentences":[{"text":"I know.","start":53.73,"end":54.050003,"sentiment":"neutral","sentiment_score":-0.0498979315161705},{"text":"That's what they say.","start":54.050003,"end":54.850002,"sentiment":"neutral","sentiment_score":-0.026595803443342447},{"text":"That's what they say.","start":54.850002,"end":55.91,"sentiment":"neutral","sentiment_score":-0.001983338850550354},{"text":"Tony, I've got an annual review pack to send out to you today.","start":56.45,"end":59.81,"sentiment":"neutral","sentiment_score":0.07388442611465088},{"text":"Do you still have a bit of time for me?","start":59.81,"end":61.75,"sentiment":"neutral","sentiment_score":0.013423390127718449}],"sentiment":"neutral","sentiment_score":0.02668542450181011,"num_words":33,"start":53.73,"end":61.75},{"sentences":[{"text":"Perfect.","start":63.09,"end":63.59,"sentiment":"neutral","sentiment_score":0.06925171613693237},{"text":"Easy done.","start":65.665,"end":66.305,"sentiment":"neutral","sentiment_score":0.16691425442695618},{"text":"I'll try and keep it relatively brief, but you do have a few moving parts with the pensions and the super and the insurance.","start":66.305,"end":73.025,"sentiment":"neutral","sentiment_score":0.09082057947913806},{"text":"So I wanna make sure I touch on everything today.","start":73.025,"end":75.445,"sentiment":"neutral","sentiment_score":0.1108667753636837},{"text":"Usual security process, are you okay for the call to be recorded?","start":76.560005,"end":79.78,"sentiment":"neutral","sentiment_score":0.020109011015544336}],"sentiment":"neutral","sentiment_score":0.0802602044553781,"num_words":49,"start":63.09,"end":79.78},{"sentences":[{"text":"Perfect.","start":81.6,"end":82.1,"sentiment":"neutral","sentiment_score":0.2482561767101288},{"text":"And just for the security of your account, so I'm registered with Asic as Adviser 1273105.","start":82.240005,"end":88.5,"sentiment":"neutral","sentiment_score":0.09624655405059457},{"text":"Are you okay to confirm your date of birth and address, please?","start":88.56,"end":91.62,"sentiment":"neutral","sentiment_score":0.04212598316371441},{"text":"Perfect.","start":94.515,"end":95.015,"sentiment":"neutral","sentiment_score":0.08266879618167877},{"text":"And residential address?","start":95.475,"end":96.935005,"sentiment":"neutral","sentiment_score":0.04224731773138046}],"sentiment":"neutral","sentiment_score":0.0758522299654556,"num_words":33,"start":81.6,"end":96.935005},{"sentences":[{"text":"Amazing.","start":101.635,"end":102.135,"sentiment":"positive","sentiment_score":0.3816430568695069},{"text":"So I'm gonna pop this pack through to your Tony Wrightson seven email address.","start":102.435005,"end":109.3,"sentiment":"neutral","sentiment_score":0.17318178926195418},{"text":"Will you be able to look onto that with me today, or do you want me to just kind of walk through what's there?","start":109.3,"end":113.72,"sentiment":"neutral","sentiment_score":0.12047781546910603},{"text":"Perfect.","start":120.435,"end":120.835,"sentiment":"neutral","sentiment_score":0.03495139628648758},{"text":"So I'm gonna send it through now.","start":120.835,"end":122.195,"sentiment":"neutral","sentiment_score":0.08643773943185806}],"sentiment":"neutral","sentiment_score":0.13484406915116817,"num_words":47,"start":101.635,"end":122.195},{"sentences":[{"text":"Now it's coming through from our new system.","start":122.195,"end":124.615,"sentiment":"neutral","sentiment_score":0.1463543502613902},{"text":"We have a beautiful new system that we custom built for ourselves to better track everyone's advice, and it also has an inbuilt DocuSign function as well.","start":124.675,"end":133.975,"sentiment":"positive","sentiment_score":0.4664661299299311},{"text":"So first time this email comes through, it may go through to your spam box.","start":134.31001,"end":138.73001,"sentiment":"neutral","sentiment_score":0.022113051265478134},{"text":"It may go through to your inbox.","start":138.87001,"end":140.33,"sentiment":"neutral","sentiment_score":0.022041954765362397},{"text":"Oh, instant.","start":140.79001,"end":141.51001,"sentiment":"neutral","sentiment_score":0.29569342732429504}],"sentiment":"neutral","sentiment_score":0.25157282402012815,"num_words":59,"start":122.195,"end":141.51001},{"sentences":[{"text":"Perfect.","start":141.51001,"end":141.83,"sentiment":"positive","sentiment_score":0.7654321193695068},{"text":"Love it.","start":141.83,"end":142.55,"sentiment":"positive","sentiment_score":0.7717127799987793},{"text":"So it's got a number of attachments there just like a normal email attachment, and then it has a link to an updated service agreement if you're comfortable to remain a client with us after this review.","start":142.55,"end":153.615,"sentiment":"neutral","sentiment_score":0.10794811726019189},{"text":"So what I wanted to do to begin with, if it's okay, is just kind of run through some updated details.","start":155.275,"end":161.69499,"sentiment":"neutral","sentiment_score":0.03325781048763366},{"text":"But is there anything in particular you would like to get out of this year's review?","start":161.995,"end":166.7,"sentiment":"neutral","sentiment_score":-0.010993877658620477}],"sentiment":"neutral","sentiment_score":0.08864220773631876,"num_words":77,"start":141.51001,"end":166.7},{"sentences":[{"text":"All kinds of things.","start":171.48,"end":172.51999,"sentiment":"neutral","sentiment_score":-0.03373152296990156},{"text":"So I might jump into the super performance first if that if you'd prefer.","start":172.51999,"end":177.26,"sentiment":"neutral","sentiment_score":-0.01389080858124154},{"text":"Absolutely.","start":178.775,"end":179.275,"sentiment":"neutral","sentiment_score":0.01792791299521923},{"text":"So you're in a split between super and pension, pretty similar portfolios.","start":179.495,"end":184.875,"sentiment":"neutral","sentiment_score":-0.04158218111842871},{"text":"What we're basically seeing is all of those news announcements, everything every time there's a a closure in the straight, the the stock market takes a bit of a tumble.","start":185.89499,"end":196.11,"sentiment":"neutral","sentiment_score":-0.13689128011465074}],"sentiment":"neutral","sentiment_score":-0.08060973894889237,"num_words":61,"start":171.48,"end":196.11},{"sentences":[{"text":"On top of that, interest rates creeping up because inflation is looking to creep up too.","start":197.13,"end":203.295,"sentiment":"neutral","sentiment_score":-0.21767739113420248},{"text":"So we're kind of hit between a rock and a hard place in Australia where raising interest rates might cause the economy to tumble.","start":203.535,"end":211.635,"sentiment":"neutral","sentiment_score":-0.23104585955540338},{"text":"But if they keep them low, inflation is gonna creep up and the cost of living gets out of control.","start":212.015,"end":216.57,"sentiment":"neutral","sentiment_score":-0.32432421669363976},{"text":"So they've kind of snook it themselves a little bit, unfortunately, and that's exactly.","start":216.57,"end":221.79001,"sentiment":"neutral","sentiment_score":-0.21299579313823155},{"text":"So that's causing a bit of jitters for sure, but your portfolio has actually been doing pretty well.","start":221.93001,"end":228.43001,"sentiment":"neutral","sentiment_score":-0.07037089040709867}],"sentiment":"neutral","sentiment_score":-0.21481565600666014,"num_words":92,"start":197.13,"end":228.43001},{"sentences":[{"text":"It's handled it alright.","start":228.81001,"end":230.35,"sentiment":"neutral","sentiment_score":-0.02281760983169079},{"text":"I think there's only one option in there that's kind of underperformed out of eight.","start":230.385,"end":234.325,"sentiment":"neutral","sentiment_score":-0.1696975161631902},{"text":"Seven of them have done pretty fantastic.","start":234.545,"end":236.485,"sentiment":"neutral","sentiment_score":0.22388444894126483},{"text":"So if I just look at the super, you when we set up your transition pension at the 2024, we left it with $10,000 as a as a baseline and the rest moved into your pension account.","start":236.86499,"end":249.0,"sentiment":"neutral","sentiment_score":0.07328174917681797},{"text":"Does that ring a bell?","start":249.0,"end":250.14,"sentiment":"neutral","sentiment_score":0.07749137729406357}],"sentiment":"neutral","sentiment_score":0.02984322892392383,"num_words":68,"start":228.81001,"end":250.14},{"sentences":[{"text":"Perfect.","start":251.4,"end":251.9,"sentiment":"positive","sentiment_score":0.727413535118103},{"text":"It's built up to 31,000 as of today, both in contributions and returns.","start":251.96,"end":257.26,"sentiment":"positive","sentiment_score":0.5516964449332311},{"text":"Looking at your performance sheet, you've still been positive for the year by a few percent even though the market's been tumbling.","start":258.565,"end":266.425,"sentiment":"positive","sentiment_score":0.43609862723811105},{"text":"Most of your options there, gold, American shares, a few different things are up 27, 34, 11%.","start":267.285,"end":274.43002,"sentiment":"neutral","sentiment_score":0.19451112913734772},{"text":"You do have one option that has gone down 21%, which is the Australian shares.","start":274.65002,"end":280.83002,"sentiment":"neutral","sentiment_score":0.023888608937462173}],"sentiment":"neutral","sentiment_score":0.3111566977630205,"num_words":68,"start":251.4,"end":280.83002},{"sentences":[{"text":"So, overall, it's held pretty well, but I do want to replace that option with a better Australian shares option, but the rest of them seem to be doing exactly what we want them to do.","start":282.89,"end":294.635,"sentiment":"neutral","sentiment_score":0.10560347967677647},{"text":"Yes.","start":306.62997,"end":306.71,"sentiment":"neutral","sentiment_score":0.21533241868019104},{"text":"Easy done.","start":306.71,"end":307.34998,"sentiment":"positive","sentiment_score":0.3579968512058258},{"text":"So part of this process too is I get you an updated statement of advice just so you've got it in writing, what we're looking to change, the pros and cons, and part of it too is just when it comes to the pension side of things.","start":307.34998,"end":320.07498,"sentiment":"neutral","sentiment_score":0.10376216843724251},{"text":"So your pension account I'm just switching it over from super to pension.","start":320.935,"end":325.69998,"sentiment":"neutral","sentiment_score":0.07601908852274601}],"sentiment":"neutral","sentiment_score":0.1070517318868878,"num_words":99,"start":282.89,"end":325.69998},{"sentences":[{"text":"Now you're getting fortnightly payments of $260 per fortnight coming out of the pension account.","start":325.69998,"end":333.22,"sentiment":"neutral","sentiment_score":0.08520677983760834},{"text":"I'm assuming that's been coming through okay to you.","start":333.22,"end":335.805,"sentiment":"neutral","sentiment_score":0.08287348681026036},{"text":"Perfect.","start":337.88498,"end":338.365,"sentiment":"positive","sentiment_score":0.3835061192512512},{"text":"So I've got your previous statement of advice open, and I'm just looking through that strategy to update it.","start":338.365,"end":344.925,"sentiment":"neutral","sentiment_score":0.1772919395252278},{"text":"Because what we normally do is your contributions go into super, and money comes out of the pension.","start":344.925,"end":350.47998,"sentiment":"neutral","sentiment_score":0.1738950883348783}],"sentiment":"neutral","sentiment_score":0.1436472199857235,"num_words":62,"start":325.69998,"end":350.47998},{"sentences":[{"text":"So each year, we just tend to refresh it, move some more across from the super, refill up the pension account.","start":350.53998,"end":356.56,"sentiment":"neutral","sentiment_score":0.16046418107691265},{"text":"That way, it's all nice and sort of tax free for you, all that kind of thing.","start":358.22,"end":362.24,"sentiment":"positive","sentiment_score":0.5105468047892346},{"text":"In terms of the strategy itself, so is the two sixty fortnight coming out still okay in terms of maintaining your your living standards?","start":363.605,"end":374.02502,"sentiment":"neutral","sentiment_score":0.13018909360592565},{"text":"Yeah.","start":381.22,"end":381.72,"sentiment":"neutral","sentiment_score":0.095963716506958},{"text":"Correct.","start":381.78,"end":382.28,"sentiment":"neutral","sentiment_score":0.20086389780044556}],"sentiment":"neutral","sentiment_score":0.2417251460137777,"num_words":64,"start":350.53998,"end":382.28},{"sentences":[{"text":"One of the things that I'm just kind of thinking is I'm having a look at your, like, contribution statements from work.","start":382.98,"end":389.32,"sentiment":"neutral","sentiment_score":0.11227510395375165},{"text":"You're still working for Allset property settlements.","start":390.525,"end":393.245,"sentiment":"neutral","sentiment_score":0.09102300235203334},{"text":"Is that right?","start":393.245,"end":393.98502,"sentiment":"neutral","sentiment_score":0.10395852228005727},{"text":"Yep.","start":395.48502,"end":395.805,"sentiment":"neutral","sentiment_score":0.28486257791519165},{"text":"So that's been nice and consistent.","start":395.805,"end":397.265,"sentiment":"positive","sentiment_score":0.5786396861076355}],"sentiment":"neutral","sentiment_score":0.18399460422687042,"num_words":39,"start":382.98,"end":397.265},{"sentences":[{"text":"You're not doing any sort of additional contributions to super or anything like that?","start":397.805,"end":402.065,"sentiment":"neutral","sentiment_score":0.0016574811722551072},{"text":"Perfect.","start":403.9,"end":404.4,"sentiment":"neutral","sentiment_score":0.25643375515937805},{"text":"So the the whole point behind part of the strategy is to put in a little bit of salary sacrifice and pull a bit of money out of pension.","start":404.46,"end":413.91998,"sentiment":"neutral","sentiment_score":0.055401510591137},{"text":"But how is everything on an income level for you at the moment?","start":414.22,"end":417.565,"sentiment":"neutral","sentiment_score":-0.012598574877931522},{"text":"Have you had any increases or decreases to your income?","start":417.565,"end":421.545,"sentiment":"neutral","sentiment_score":-0.0643656574189663}],"sentiment":"neutral","sentiment_score":0.016102153001658952,"num_words":67,"start":397.805,"end":421.545},{"sentences":[{"text":"Cool.","start":424.085,"end":424.405,"sentiment":"neutral","sentiment_score":0.21931734681129456},{"text":"So 90,000 is still okay?","start":424.405,"end":426.185,"sentiment":"neutral","sentiment_score":0.18230258524417878},{"text":"Perfect.","start":427.445,"end":427.945,"sentiment":"positive","sentiment_score":0.3457929193973541},{"text":"Now when it comes to those contributions in, if nothing is going in for salary sacrifice, do you feel like you need that two six year fortnight on top of your income to kind of get by?","start":429.62,"end":440.28,"sentiment":"neutral","sentiment_score":0.0671711733212342},{"text":"Yeah.","start":448.195,"end":448.595,"sentiment":"neutral","sentiment_score":0.10768359899520874}],"sentiment":"neutral","sentiment_score":0.09043644898467594,"num_words":45,"start":424.085,"end":448.595},{"sentences":[{"text":"And one of the cool things about the TTR strategy that we've got you in is you basically pull money out, put it back in again for a bit of a tax deduction, and boost up your super that way.","start":448.595,"end":459.32,"sentiment":"neutral","sentiment_score":0.2822554301470518},{"text":"So are you okay for me to kind of recalculate that a little bit?","start":460.98,"end":465.06,"sentiment":"neutral","sentiment_score":0.10557042700903756},{"text":"And in that updated document, I can kind of refresh the figures for you, and that will that'll probably involve absolutely.","start":465.06,"end":475.605,"sentiment":"neutral","sentiment_score":0.09125874776925359},{"text":"What I'm basically trying to do is just get that super boosting up as much as we can without impacting your take home pay.","start":475.605,"end":481.83,"sentiment":"neutral","sentiment_score":0.16001509331787625},{"text":"So what that'll look like is once I calculate that refresh of super back into pension, I'll figure out how much we can pull out, how much we can put back in, and it's just a matter of we'll do everything in the background.","start":483.18997,"end":494.56998,"sentiment":"neutral","sentiment_score":0.18317713012749498}],"sentiment":"neutral","sentiment_score":0.18590764232448764,"num_words":143,"start":448.595,"end":494.56998},{"sentences":[{"text":"You talk to your employer, and that'll start boosting up pretty nicely.","start":494.91498,"end":498.535,"sentiment":"positive","sentiment_score":0.42608926196893054},{"text":"Yeah.","start":502.595,"end":502.91498,"sentiment":"neutral","sentiment_score":0.18951359391212463},{"text":"So the way it kind of works is because when you put it in, it's taxed at 15%.","start":502.91498,"end":507.57498,"sentiment":"neutral","sentiment_score":0.1542299422952864},{"text":"You can put in, say, a $100.","start":507.87,"end":510.77002,"sentiment":"neutral","sentiment_score":0.11856546252965927},{"text":"It costs you 85, and then we can pull 85 out of your pension account, and you'll still end up on the same pay.","start":511.07,"end":517.81,"sentiment":"neutral","sentiment_score":0.24566833674907684}],"sentiment":"neutral","sentiment_score":0.23878583900870815,"num_words":62,"start":494.91498,"end":517.81},{"sentences":[{"text":"And there'll be a little bit of a tax difference there, That usual kind of difference between the 32 and the 15%, that 17% tax benefit, that goes in and boosts up your super a little bit.","start":519.15,"end":530.585,"sentiment":"neutral","sentiment_score":0.1443596937618143},{"text":"Perfect.","start":532.965,"end":533.465,"sentiment":"positive","sentiment_score":0.4948353767395019},{"text":"I'm just going to double check risk levels because part of everything that's going on, we need to make sure you're not in anything too risky.","start":534.26,"end":542.12,"sentiment":"neutral","sentiment_score":0.07285675850625221},{"text":"Now you do have around about 15% in kind of safe assets at the moment, and it's really trying to kind of grow grow and offset what's coming out of the pension account, if that makes sense.","start":543.62,"end":559.385,"sentiment":"neutral","sentiment_score":0.21199370336693688},{"text":"So when we're looking at your risk level, we technically call it balanced growth, which is kind of like a 3.5 out of five.","start":561.56,"end":570.68,"sentiment":"neutral","sentiment_score":0.05145518078158299}],"sentiment":"neutral","sentiment_score":0.13447288904339075,"num_words":125,"start":519.15,"end":570.68},{"sentences":[{"text":"So it's a little bit more focused on growing, but it's not medium high, high risk.","start":570.68,"end":576.655,"sentiment":"neutral","sentiment_score":-0.033046214608475566},{"text":"But we're still trying to get you some growth out of the super because if we put it too conservative, it would start to kind of go down, and you're not gonna get it to anywhere comfortable over the next few years.","start":577.99506,"end":588.41504,"sentiment":"neutral","sentiment_score":-0.2858218928532941},{"text":"K?","start":589.85004,"end":590.35004,"sentiment":"neutral","sentiment_score":0.0030824001878499985},{"text":"It does mean it's gonna bounce around a little bit between seven to 15% up and down with what's going on in the world, but it'll average out over, say, seven years' time.","start":590.97003,"end":599.87,"sentiment":"neutral","sentiment_score":-0.11365574259649623},{"text":"Now what about the kind of full retirement idea?","start":601.705,"end":605.965,"sentiment":"neutral","sentiment_score":-0.0074065253138542175}],"sentiment":"neutral","sentiment_score":-0.16185618581084332,"num_words":101,"start":570.68,"end":605.965},{"sentences":[{"text":"Are you looking to kind of hang up the boots at 67 when you can have your super plus the age pension in combination?","start":606.505,"end":613.72504,"sentiment":"neutral","sentiment_score":-0.004003762500360608},{"text":"Yeah.","start":623.05,"end":623.37,"sentiment":"neutral","sentiment_score":0.0021034814417362213},{"text":"So for the time being, the priority is sort of finish off paying the mortgage, keep boosting up the super a little bit, and then you're probably gonna be fully accessing everything much later sometime between 6770 maybe.","start":623.37,"end":637.90497,"sentiment":"neutral","sentiment_score":0.11558313354065544},{"text":"Yep.","start":640.38,"end":640.86,"sentiment":"neutral","sentiment_score":0.17726139724254608},{"text":"Perfect.","start":640.86,"end":641.36,"sentiment":"positive","sentiment_score":0.4575872719287872}],"sentiment":"neutral","sentiment_score":0.07589262961768187,"num_words":65,"start":606.505,"end":641.36},{"sentences":[{"text":"How has everything gone with the mortgage itself as well?","start":641.98,"end":644.3,"sentiment":"neutral","sentiment_score":0.24092668294906616},{"text":"Because I think last check, we had the home valued at 750,000, and the amazing.","start":644.3,"end":654.415,"sentiment":"neutral","sentiment_score":0.11116984859108925},{"text":"How good is that?","start":654.555,"end":655.695,"sentiment":"positive","sentiment_score":0.5078972280025482},{"text":"One of the interesting things is if you can kind of make that work for you would be nice because having all that equity there kind of doesn't do much from a cash flow standpoint.","start":656.555,"end":666.175,"sentiment":"neutral","sentiment_score":0.3083597894225802},{"text":"So yeah.","start":672.95996,"end":673.76,"sentiment":"neutral","sentiment_score":0.02427913062274456}],"sentiment":"neutral","sentiment_score":0.2568114297182271,"num_words":66,"start":641.98,"end":673.76},{"sentences":[{"text":"Have you considered downsizing down the line?","start":673.76,"end":676.95996,"sentiment":"neutral","sentiment_score":-0.008626757455723626},{"text":"Is that something that you you're thinking of?","start":676.95996,"end":679.065,"sentiment":"neutral","sentiment_score":0.0005139592103660107},{"text":"Yep.","start":681.945,"end":682.34503,"sentiment":"neutral","sentiment_score":0.04040395841002464},{"text":"Totally fair.","start":682.34503,"end":683.325,"sentiment":"neutral","sentiment_score":0.0958259366452694},{"text":"How much is owing on the mortgage now?","start":684.025,"end":685.785,"sentiment":"neutral","sentiment_score":0.009784878930076957}],"sentiment":"neutral","sentiment_score":0.009771509024386223,"num_words":26,"start":673.76,"end":685.785},{"sentences":[{"text":"I think it was $4.25 last check.","start":685.785,"end":687.885,"sentiment":"neutral","sentiment_score":-0.004120874285165753},{"text":"Yep.","start":689.465,"end":689.965,"sentiment":"neutral","sentiment_score":0.04102684557437897},{"text":"$425,000.","start":690.105,"end":691.225,"sentiment":"neutral","sentiment_score":0.04595112428069115},{"text":"So we're gonna try and get that out.","start":691.225,"end":693.005,"sentiment":"neutral","sentiment_score":0.05453153233975172},{"text":"Now in terms of the family side of things, do you have any dependents under the age of 18, or are they all kind of dependent adults, we would say?","start":694.12,"end":705.34,"sentiment":"neutral","sentiment_score":-0.008705120316396158}],"sentiment":"neutral","sentiment_score":0.0049623510443625295,"num_words":47,"start":685.785,"end":705.34},{"sentences":[{"text":"Yeah.","start":711.57495,"end":712.07495,"sentiment":"neutral","sentiment_score":0.08415645360946655},{"text":"Perfect.","start":712.13495,"end":712.615,"sentiment":"neutral","sentiment_score":0.23821312189102173},{"text":"Perfect.","start":712.615,"end":712.935,"sentiment":"neutral","sentiment_score":0.26078879833221436},{"text":"Perfect.","start":712.935,"end":713.435,"sentiment":"neutral","sentiment_score":0.22479751706123352},{"text":"Do you have anything else in the way of assets or liabilities we don't already have?","start":713.89496,"end":717.975,"sentiment":"neutral","sentiment_score":0.07327766949310899}],"sentiment":"neutral","sentiment_score":0.099019930139184,"num_words":20,"start":711.57495,"end":717.975},{"sentences":[{"text":"We had a little bit of home content in a car and a bit of a motor vehicle loan.","start":717.975,"end":722.86005,"sentiment":"neutral","sentiment_score":0.04945713556126544},{"text":"That was about it.","start":722.92004,"end":724.06,"sentiment":"neutral","sentiment_score":-0.00522602628916502},{"text":"Yep.","start":729.4,"end":729.64,"sentiment":"neutral","sentiment_score":0.1325516700744629},{"text":"I think we had it at 15,000.","start":729.64,"end":731.48004,"sentiment":"neutral","sentiment_score":0.1283347065826612},{"text":"Does that sound about right, or is it below 10 now?","start":731.48004,"end":733.845,"sentiment":"neutral","sentiment_score":-0.022082225842909378}],"sentiment":"neutral","sentiment_score":0.04063741910448741,"num_words":42,"start":717.975,"end":733.845},{"sentences":[{"text":"Yep.","start":736.40497,"end":736.805,"sentiment":"neutral","sentiment_score":0.03813795745372772},{"text":"Is it okay if I put in about 9,000 for the time being?","start":736.805,"end":739.625,"sentiment":"neutral","sentiment_score":0.05985743967959514},{"text":"Perfect.","start":741.365,"end":741.865,"sentiment":"positive","sentiment_score":0.6243844032287598},{"text":"Never gone through a bankruptcy before.","start":743.045,"end":745.305,"sentiment":"neutral","sentiment_score":0.17268366366624832},{"text":"That's all good.","start":746.1,"end":747.39996,"sentiment":"positive","sentiment_score":0.5452072421709696}],"sentiment":"neutral","sentiment_score":0.17134969937615097,"num_words":24,"start":736.40497,"end":747.39996},{"sentences":[{"text":"You've never gone through a debt agreement before, have you, like a part nine?","start":748.33997,"end":751.48,"sentiment":"neutral","sentiment_score":-0.010467158364398139},{"text":"Now if you if you've been through it, you would know.","start":753.94,"end":756.1,"sentiment":"neutral","sentiment_score":0.020013995468616486},{"text":"And if you haven't, you wouldn't.","start":756.1,"end":757.3,"sentiment":"neutral","sentiment_score":0.01264068748181065},{"text":"So that's totally fine.","start":757.3,"end":758.76,"sentiment":"neutral","sentiment_score":0.22900963202118874},{"text":"Outside of that, did you end up putting in place, like, a will or a power of attorney?","start":760.205,"end":764.625,"sentiment":"neutral","sentiment_score":-0.020341292592800327}],"sentiment":"neutral","sentiment_score":0.013195341874687176,"num_words":53,"start":748.33997,"end":764.625},{"sentences":[{"text":"K.","start":767.48505,"end":767.885,"sentiment":"neutral","sentiment_score":-0.011189430952072144},{"text":"Is that something that you still wanna do?","start":767.885,"end":769.905,"sentiment":"neutral","sentiment_score":-0.04251847672276199},{"text":"Oh, no.","start":775.74,"end":779.68,"sentiment":"neutral","sentiment_score":-0.14685840159654617},{"text":"I know.","start":783.74,"end":784.37994,"sentiment":"neutral","sentiment_score":-0.19115569442510605},{"text":"Too hard basket, and it is one of those things that I just see it so often.","start":784.37994,"end":787.685,"sentiment":"neutral","sentiment_score":-0.2635836986934437}],"sentiment":"neutral","sentiment_score":-0.18360961048553387,"num_words":30,"start":767.48505,"end":787.685},{"sentences":[{"text":"The, you know, baby boomer generation, people fighting over estates and and all this kind of thing, and having something in writing definitely helps or let them squabble, I guess.","start":787.98505,"end":799.60504,"sentiment":"neutral","sentiment_score":-0.07014915073911349},{"text":"Awesome.","start":802.58,"end":803.08,"sentiment":"neutral","sentiment_score":0.26554349064826965},{"text":"So don't need to get the old post office will kit for $25.","start":803.22,"end":806.98,"sentiment":"neutral","sentiment_score":-0.007648809884603207},{"text":"You've got people to go to.","start":806.98,"end":808.52,"sentiment":"neutral","sentiment_score":-0.25697049498558044},{"text":"Amazing.","start":810.66,"end":811.16,"sentiment":"negative","sentiment_score":-0.3418542742729187}],"sentiment":"neutral","sentiment_score":-0.07494201576885055,"num_words":51,"start":787.98505,"end":811.16},{"sentences":[{"text":"Yes.","start":815.075,"end":815.575,"sentiment":"neutral","sentiment_score":-0.00929643027484417},{"text":"Absolutely.","start":815.635,"end":816.135,"sentiment":"neutral","sentiment_score":0.06442436575889587},{"text":"I'm just having a look at the beneficiaries.","start":816.995,"end":819.175,"sentiment":"neutral","sentiment_score":0.06680456921458244},{"text":"You do have Christopher, Gemma, and Jai split fifty percent twenty five twenty five.","start":819.555,"end":826.615,"sentiment":"neutral","sentiment_score":0.04307561886629888},{"text":"You're still okay to leave them on there as is?","start":827.7,"end":830.36,"sentiment":"neutral","sentiment_score":0.009099764190614224}],"sentiment":"neutral","sentiment_score":0.03775355280103052,"num_words":34,"start":815.075,"end":830.36},{"sentences":[{"text":"Yep.","start":832.98,"end":833.48,"sentiment":"neutral","sentiment_score":0.049424465745687485},{"text":"Alrighty.","start":834.98,"end":835.48,"sentiment":"neutral","sentiment_score":0.13347157835960388},{"text":"That's okay.","start":836.5,"end":837.32,"sentiment":"neutral","sentiment_score":0.1666964590549469},{"text":"The insurance side of things, I have a policy here for you.","start":839.635,"end":842.675,"sentiment":"neutral","sentiment_score":0.07551207020878792},{"text":"I'm just gonna bring that up and make sure we don't need to make any changes there.","start":842.675,"end":846.375,"sentiment":"neutral","sentiment_score":0.014180027331937762}],"sentiment":"neutral","sentiment_score":0.05040891725344188,"num_words":33,"start":832.98,"end":846.375},{"sentences":[{"text":"Let's have a look.","start":848.03503,"end":849.09503,"sentiment":"neutral","sentiment_score":0.05913979560136795},{"text":"Neos cover.","start":849.155,"end":850.055,"sentiment":"neutral","sentiment_score":0.0015832381322979927},{"text":"So I need to be careful with your Neos cover because every November, there's an anniversary, and, unfortunately, tend to spike up quite a lot every year at your age.","start":850.275,"end":860.73,"sentiment":"neutral","sentiment_score":-0.19597897330919903},{"text":"And I need to make sure it's not eating away super too much.","start":860.73,"end":863.55,"sentiment":"neutral","sentiment_score":-0.25104960569968593},{"text":"So you do have life insurance renewals of 314,000.","start":866.08997,"end":871.89496,"sentiment":"neutral","sentiment_score":0.04378861520025465}],"sentiment":"neutral","sentiment_score":-0.14671018754999185,"num_words":58,"start":848.03503,"end":871.89496},{"sentences":[{"text":"Now that covers a big chunk of the mortgage.","start":873.475,"end":876.035,"sentiment":"neutral","sentiment_score":0.021605476323101256},{"text":"It doesn't cover the full mortgage, but it does cost over $4,000 a year in premiums.","start":876.035,"end":882.535,"sentiment":"neutral","sentiment_score":-0.03389691228221636},{"text":"And my best guess is that in November this year, it could be 5,005 and a half thousand at the next anniversary.","start":886.58997,"end":895.41,"sentiment":"neutral","sentiment_score":0.004973617297681895},{"text":"Yes.","start":900.90497,"end":901.40497,"sentiment":"neutral","sentiment_score":0.06477876007556915},{"text":"So the options are we either cancel it and then you don't have that protection, we reduce it, or we look at another provider and see if we can get it a bit cheaper.","start":901.46497,"end":912.72003,"sentiment":"neutral","sentiment_score":-0.04439384227289873}],"sentiment":"neutral","sentiment_score":-0.020525531783677275,"num_words":82,"start":873.475,"end":912.72003},{"sentences":[{"text":"Yep.","start":916.62,"end":917.02,"sentiment":"neutral","sentiment_score":0.06016971915960312},{"text":"Now I think you would be, I believe, 61 at the moment.","start":917.02,"end":921.9,"sentiment":"neutral","sentiment_score":0.031167130762090284},{"text":"Correct?","start":921.9,"end":922.4,"sentiment":"neutral","sentiment_score":0.02932346612215042},{"text":"62.","start":924.355,"end":925.075,"sentiment":"neutral","sentiment_score":0.016521025449037552},{"text":"Okay.","start":925.075,"end":925.475,"sentiment":"neutral","sentiment_score":0.04450025409460068}],"sentiment":"neutral","sentiment_score":0.0327825021231547,"num_words":16,"start":916.62,"end":925.475},{"sentences":[{"text":"So I I think '61 is the last year that you can get a new life policy.","start":925.475,"end":930.215,"sentiment":"neutral","sentiment_score":0.04873646598528413},{"text":"I will double check because I know MetLife is really good for extending out when the entry age is.","start":930.59503,"end":937.015,"sentiment":"neutral","sentiment_score":0.18044350884462657},{"text":"So I'll do a quote through them.","start":937.17,"end":939.11,"sentiment":"neutral","sentiment_score":0.12837398477963038},{"text":"Do you want me to do a quote for the same amount, or do you wanna look at reducing a little bit?","start":939.57,"end":943.75,"sentiment":"neutral","sentiment_score":0.0016737635332075033},{"text":"Yeah.","start":947.88995,"end":948.29,"sentiment":"neutral","sentiment_score":0.024101167917251587}],"sentiment":"neutral","sentiment_score":0.07903770377125705,"num_words":66,"start":925.475,"end":948.29},{"sentences":[{"text":"Okay.","start":948.29,"end":948.79,"sentiment":"neutral","sentiment_score":0.015368983149528503},{"text":"So I'll do the same level for a quote with another provider.","start":949.01,"end":952.95,"sentiment":"neutral","sentiment_score":-0.012366942750910917},{"text":"If I can't get a replacement provider that's cheaper, do you wanna leave it until November?","start":953.385,"end":959.325,"sentiment":"neutral","sentiment_score":-0.07518967567011714},{"text":"Do you wanna then reduce it?","start":959.54504,"end":961.065,"sentiment":"neutral","sentiment_score":-0.08818356630702813},{"text":"What would you like to do if I can't get something with another provider?","start":961.065,"end":964.685,"sentiment":"neutral","sentiment_score":-0.145371853773083}],"sentiment":"neutral","sentiment_score":-0.07959952022956342,"num_words":49,"start":948.29,"end":964.685},{"sentences":[{"text":"K.","start":967.72,"end":968.22,"sentiment":"neutral","sentiment_score":-0.07794228196144104},{"text":"Yeah.","start":973.56,"end":973.87994,"sentiment":"neutral","sentiment_score":-0.18457014858722687},{"text":"And it is yeah.","start":973.87994,"end":982.055,"sentiment":"neutral","sentiment_score":-0.2397904023528099},{"text":"It's a bit of a hockey stick graph.","start":982.055,"end":983.735,"sentiment":"neutral","sentiment_score":-0.29689657501876354},{"text":"And the most painful thing that I see is I have people come into my office who are in their sixties, and they've kind of haven't looked at it for ten years.","start":983.735,"end":991.595,"sentiment":"neutral","sentiment_score":-0.26320512732490897}],"sentiment":"neutral","sentiment_score":-0.2612915372718935,"num_words":46,"start":967.72,"end":991.595},{"sentences":[{"text":"And next thing you know, I've had people paying $20,000 a year for insurances.","start":991.7,"end":995.32,"sentiment":"neutral","sentiment_score":-0.11850756034255028},{"text":"Yeah.","start":1000.18,"end":1000.58,"sentiment":"neutral","sentiment_score":0.02336292155086994},{"text":"So I'm very vigilant with it and just going, okay.","start":1000.58,"end":1004.2,"sentiment":"neutral","sentiment_score":0.11900124065577984},{"text":"The investments are going pretty well with Hub.","start":1004.26,"end":1006.52,"sentiment":"neutral","sentiment_score":0.2627810798585415},{"text":"You're paying off your mortgage.","start":1006.685,"end":1008.14496,"sentiment":"neutral","sentiment_score":0.14315522015094756}],"sentiment":"neutral","sentiment_score":0.06242879534042195,"num_words":38,"start":991.7,"end":1008.14496},{"sentences":[{"text":"We're gonna do a TTR strategy for the contributions.","start":1008.445,"end":1011.105,"sentiment":"neutral","sentiment_score":0.13193203839990827},{"text":"That's great.","start":1011.40497,"end":1012.125,"sentiment":"neutral","sentiment_score":0.3312726765871048},{"text":"But fees, we need to keep to a minimum as well.","start":1012.125,"end":1015.105,"sentiment":"neutral","sentiment_score":-0.09457529133016412},{"text":"So what I'm gonna do is I'll go through and try and get some quotes and see if I can do anything about another provider, and then I'll get back to you straight away while I'm working on that updated plan.","start":1016.685,"end":1028.2001,"sentiment":"neutral","sentiment_score":0.018198185782061845},{"text":"Fantastic.","start":1033.7001,"end":1034.2001,"sentiment":"positive","sentiment_score":0.5040050745010376}],"sentiment":"neutral","sentiment_score":0.03218337790167425,"num_words":64,"start":1008.445,"end":1034.2001},{"sentences":[{"text":"I will.","start":1034.66,"end":1035.06,"sentiment":"neutral","sentiment_score":0.29727859795093536},{"text":"I'll tell them that exactly.","start":1035.06,"end":1036.36,"sentiment":"neutral","sentiment_score":0.12137386500835419},{"text":"I'm assuming you haven't had any actually, let me check the inception date for your nails just in case because that has a big impact.","start":1036.865,"end":1045.4451,"sentiment":"neutral","sentiment_score":0.043079888075590135},{"text":"So this one you've had since 2020.","start":1045.745,"end":1048.3251,"sentiment":"neutral","sentiment_score":0.03234449614371572},{"text":"Now between 2020 and 2026, have you had any major health episodes or anything that they wouldn't already know about?","start":1050.64,"end":1059.14,"sentiment":"neutral","sentiment_score":-0.027172854356467723}],"sentiment":"neutral","sentiment_score":0.03324369675779747,"num_words":59,"start":1034.66,"end":1059.14},{"sentences":[{"text":"Perfect.","start":1061.5349,"end":1061.855,"sentiment":"neutral","sentiment_score":0.0793345719575882},{"text":"Perfect.","start":1061.855,"end":1062.335,"sentiment":"neutral","sentiment_score":0.10750503838062286},{"text":"So I can kind of use the previous information for the time being and at least just go for the quote and see if I can get anything in the first instance.","start":1062.335,"end":1072.0349,"sentiment":"neutral","sentiment_score":0.07138552970718592},{"text":"Perfect.","start":1075.5499,"end":1075.87,"sentiment":"neutral","sentiment_score":0.28116023540496826},{"text":"Perfect.","start":1075.87,"end":1076.37,"sentiment":"neutral","sentiment_score":0.2189023494720459}],"sentiment":"neutral","sentiment_score":0.08253442071792153,"num_words":36,"start":1061.5349,"end":1076.37},{"sentences":[{"text":"Now besides those few areas that we've just discussed, is there any questions on your end so far?","start":1076.51,"end":1083.1699,"sentiment":"neutral","sentiment_score":0.11336618454919921},{"text":"K.","start":1085.885,"end":1086.285,"sentiment":"neutral","sentiment_score":0.05774568393826485},{"text":"Anything for you guys in terms of goals over the next few years that I haven't already noted down?","start":1086.285,"end":1091.4249,"sentiment":"neutral","sentiment_score":0.10550204821323093},{"text":"Pretty much.","start":1097.26,"end":1098.0599,"sentiment":"neutral","sentiment_score":0.09181597828865051},{"text":"It's a yearly premium with a 15% tax rebate that gets supplied when it when the money comes out.","start":1098.0599,"end":1103.98,"sentiment":"neutral","sentiment_score":0.1421880918113809}],"sentiment":"neutral","sentiment_score":0.11844206140455553,"num_words":59,"start":1076.51,"end":1103.98},{"sentences":[{"text":"So it's not paid monthly, but that would be the equivalent.","start":1103.98,"end":1106.8,"sentiment":"neutral","sentiment_score":-0.018430221402509647},{"text":"Yeah.","start":1106.86,"end":1107.36,"sentiment":"neutral","sentiment_score":-0.008908931165933609},{"text":"Yeah.","start":1111.035,"end":1111.535,"sentiment":"neutral","sentiment_score":0.02440037578344345},{"text":"And when you've got the the sort of balance that you do have, it's a big portion, especially compared to your contributions.","start":1111.595,"end":1118.8151,"sentiment":"neutral","sentiment_score":0.11933615126393059},{"text":"So great in 2020.","start":1119.435,"end":1121.535,"sentiment":"positive","sentiment_score":0.5709927976131439}],"sentiment":"neutral","sentiment_score":0.12108014172946031,"num_words":39,"start":1103.98,"end":1121.535},{"sentences":[{"text":"The more it creeps up, the more it's kind of slowing things down for you.","start":1121.755,"end":1128.2,"sentiment":"neutral","sentiment_score":0.030819354951381682},{"text":"Yeah.","start":1131.06,"end":1131.38,"sentiment":"neutral","sentiment_score":0.05173322930932045},{"text":"That's the I think the worst part about insurance is everyone says, yep.","start":1131.38,"end":1134.82,"sentiment":"neutral","sentiment_score":-0.18141177096045935},{"text":"I love the protection.","start":1134.82,"end":1135.8,"sentiment":"neutral","sentiment_score":0.12431411538273096},{"text":"And the worst case scenario is that you never need it, which is great.","start":1136.1,"end":1139.525,"sentiment":"neutral","sentiment_score":-0.14120449338640487}],"sentiment":"neutral","sentiment_score":-0.07072204074009936,"num_words":47,"start":1121.755,"end":1139.525},{"sentences":[{"text":"But then it's just, again, premiums that have gone off.","start":1139.905,"end":1143.285,"sentiment":"neutral","sentiment_score":-0.07644003741443157},{"text":"So my job is to keep an eye on that and make sure we can get you into a good position.","start":1143.3451,"end":1148.005,"sentiment":"neutral","sentiment_score":0.2475924314487548},{"text":"And then that's being invested and trying to grow as well.","start":1166.8949,"end":1169.7949,"sentiment":"neutral","sentiment_score":0.12543769587169995},{"text":"So all of those amounts yeah.","start":1170.0149,"end":1174.195,"sentiment":"neutral","sentiment_score":0.06276778504252434},{"text":"And believe you may, by the time you get through towards 67, the premiums will be $10.","start":1174.9099,"end":1181.49,"sentiment":"neutral","sentiment_score":0.03146346066804493}],"sentiment":"neutral","sentiment_score":0.10348216742277146,"num_words":65,"start":1139.905,"end":1181.49},{"sentences":[{"text":"So at some point, the idea is mortgage is paid down, your super is built up, and you don't need the cover anymore.","start":1183.95,"end":1190.21,"sentiment":"neutral","sentiment_score":-0.04477118538773578},{"text":"Yep.","start":1196.995,"end":1197.315,"sentiment":"neutral","sentiment_score":0.07208170741796494},{"text":"So what I wanna do is I'll go do some research.","start":1197.315,"end":1200.135,"sentiment":"neutral","sentiment_score":0.10084387185898694},{"text":"You give it some thought, and then we'll come back together for another quick catch up just to see which way you would prefer to go, and then I'll build that into the plan and make the updates for you.","start":1200.595,"end":1210.94,"sentiment":"neutral","sentiment_score":0.1407617449760437},{"text":"Fantastic.","start":1213.32,"end":1213.82,"sentiment":"positive","sentiment_score":0.7966935038566589}],"sentiment":"neutral","sentiment_score":0.08656303074799086,"num_words":76,"start":1183.95,"end":1213.82},{"sentences":[{"text":"Outside of that, basically, the main thing like, all the goals seem pretty straightforward.","start":1215.8,"end":1220.46,"sentiment":"positive","sentiment_score":0.47667748800345827},{"text":"Let's get the super growing, pay down the mortgage, keep a lid on costs, and just try and enjoy and get through life.","start":1220.6,"end":1227.395,"sentiment":"positive","sentiment_score":0.5144129667593085},{"text":"Cool.","start":1229.775,"end":1230.275,"sentiment":"neutral","sentiment_score":0.016235601156949997},{"text":"The other documents that are there, so that pack that I've sent you through, that has a financial services guide that's updated license info, complaints procedure, what we can and can't give advice on, and an Oakview services guide, you know, pictures of the team, all the different networks that we're a part of, all that kind of thing.","start":1231.0549,"end":1252.995,"sentiment":"neutral","sentiment_score":0.019947528318202092},{"text":"And there's a service agreement there as well.","start":1253.295,"end":1255.635,"sentiment":"neutral","sentiment_score":0.04274066677317023}],"sentiment":"neutral","sentiment_score":0.19085760165360713,"num_words":105,"start":1215.8,"end":1255.635},{"sentences":[{"text":"So we still do charge the 1.65% out of the super.","start":1256.0951,"end":1260.755,"sentiment":"neutral","sentiment_score":0.025671530853618275},{"text":"And then, obviously, I factor that in to the returns to make sure everything I tell you is after fees.","start":1260.8151,"end":1267.03,"sentiment":"neutral","sentiment_score":0.024169635074213148},{"text":"When you get to 600,000, there is a cap, but, basically, that's the percentage to remain advisers on your account.","start":1267.41,"end":1275.65,"sentiment":"neutral","sentiment_score":0.010431751981377602},{"text":"Are you still comfortable for us to be looking after all of this?","start":1275.65,"end":1278.675,"sentiment":"neutral","sentiment_score":-0.016335077583789825},{"text":"Cool.","start":1280.995,"end":1281.4751,"sentiment":"neutral","sentiment_score":0.2979094982147217}],"sentiment":"neutral","sentiment_score":0.016307201078877998,"num_words":65,"start":1256.0951,"end":1281.4751},{"sentences":[{"text":"Alright.","start":1281.4751,"end":1281.9751,"sentiment":"neutral","sentiment_score":0.2590447664260864},{"text":"So if you can give that one, let me just have a look at your hub account to see where the services are at.","start":1282.1951,"end":1290.8551,"sentiment":"neutral","sentiment_score":0.17285140107075372},{"text":"Just loading it up now.","start":1291.0751,"end":1292.4551,"sentiment":"neutral","sentiment_score":0.16076889932155608},{"text":"So we do have everything kind of expires on the seventeenth of next month.","start":1293.8999,"end":1299.0399,"sentiment":"neutral","sentiment_score":0.10521560162305832},{"text":"So if you are able to give that one a sign, we'll apply that to the hub account, and then we can continue to look after it and make the changes.","start":1299.1,"end":1306.08,"sentiment":"neutral","sentiment_score":0.16862487648763963}],"sentiment":"neutral","sentiment_score":0.15882283310095469,"num_words":75,"start":1281.4751,"end":1306.08},{"sentences":[{"text":"I will basically like to give you a call maybe next week about the insurances.","start":1307.5851,"end":1311.8451,"sentiment":"neutral","sentiment_score":0.0427186814447244},{"text":"And then the week after, I would like to present you with that updated plan and rebalance your pension and all that kind of thing.","start":1312.4651,"end":1320.18,"sentiment":"neutral","sentiment_score":0.0891720686852932},{"text":"Is that okay?","start":1322.18,"end":1323.16,"sentiment":"neutral","sentiment_score":0.11222906162341435},{"text":"Cool.","start":1325.54,"end":1326.04,"sentiment":"neutral","sentiment_score":0.3205658197402954},{"text":"Is it possible to still like, what's a good days and times to reach you just so I can kind of maybe put a tentative into my calendar?","start":1327.06,"end":1333.7201,"sentiment":"neutral","sentiment_score":0.17080475283520563}],"sentiment":"neutral","sentiment_score":0.11541483364999294,"num_words":72,"start":1307.5851,"end":1333.7201},{"sentences":[{"text":"Yep.","start":1337.995,"end":1338.495,"sentiment":"neutral","sentiment_score":0.08575908839702606},{"text":"So right now, we were looking at 08:00 appointments.","start":1338.555,"end":1342.575,"sentiment":"neutral","sentiment_score":0.09735474901066886},{"text":"It's 10:00 in Queensland.","start":1343.355,"end":1344.895,"sentiment":"neutral","sentiment_score":0.07098709978163242},{"text":"Even earlier as well.","start":1346.17,"end":1347.45,"sentiment":"neutral","sentiment_score":0.12401689030230045},{"text":"Fantastic.","start":1347.45,"end":1347.95,"sentiment":"positive","sentiment_score":0.44643014669418335}],"sentiment":"neutral","sentiment_score":0.11517883876436635,"num_words":19,"start":1337.995,"end":1347.95},{"sentences":[{"text":"So any specific days?","start":1348.25,"end":1350.67,"sentiment":"neutral","sentiment_score":0.07096610032022},{"text":"Perfect.","start":1354.97,"end":1355.47,"sentiment":"positive","sentiment_score":0.5544176697731018},{"text":"So anytime next week early in the morning, I'll give you a buzz and let you know how I've gone.","start":1355.53,"end":1360.43,"sentiment":"positive","sentiment_score":0.4528005599975586},{"text":"And if you can just give that some thought, that'd be fantastic.","start":1360.735,"end":1362.995,"sentiment":"positive","sentiment_score":0.5300988977154096},{"text":"Awesome.","start":1366.575,"end":1366.975,"sentiment":"positive","sentiment_score":0.8410422205924988}],"sentiment":"positive","sentiment_score":0.44990848063638333,"num_words":38,"start":1348.25,"end":1366.975},{"sentences":[{"text":"Now I do appreciate you taking the time this morning because definitely a few things we can do to help, and that's all part of the process in the service.","start":1366.975,"end":1376.2749,"sentiment":"positive","sentiment_score":0.7158893009026845},{"text":"Any questions for me, Tony, before I let you go?","start":1379.1101,"end":1381.37,"sentiment":"neutral","sentiment_score":0.28478822112083435},{"text":"Amazing.","start":1386.9501,"end":1387.4501,"sentiment":"positive","sentiment_score":0.6268177032470703},{"text":"If you have any questions, please call back in.","start":1387.75,"end":1390.125,"sentiment":"neutral","sentiment_score":0.31005940006838906},{"text":"I hope you enjoy the beautiful weather, and have a fantastic day at work.","start":1390.205,"end":1394.545,"sentiment":"positive","sentiment_score":0.7400339373520443}],"sentiment":"positive","sentiment_score":0.5953498228918761,"num_words":64,"start":1366.975,"end":1394.545},{"sentences":[{"text":"Always the way, Tony.","start":1399.191,"end":1400.471,"sentiment":"positive","sentiment_score":0.3960009068250656},{"text":"Awesome, mate.","start":1400.471,"end":1401.031,"sentiment":"positive","sentiment_score":0.7454191446304321},{"text":"I'll talk to you next week.","start":1401.031,"end":1402.071,"sentiment":"positive","sentiment_score":0.3608747571706772},{"text":"K?","start":1402.071,"end":1402.571,"sentiment":"neutral","sentiment_score":0.1057950109243393},{"text":"Cheers.","start":1405.271,"end":1405.671,"sentiment":"positive","sentiment_score":0.5460571646690369}],"sentiment":"positive","sentiment_score":0.4208530453698976,"num_words":14,"start":1399.191,"end":1405.671},{"sentences":[{"text":"Bye.","start":1405.671,"end":1406.171,"sentiment":"neutral","sentiment_score":0.2882537245750427}],"sentiment":"neutral","sentiment_score":0.2882537245750427,"num_words":1,"start":1405.671,"end":1406.171}]}}]},{"alternatives":[{"transcript":"Hello? Good, Tommy. How are you? Exact exactly the same. Very, very cool, sunny day. Yeah. I think we live in the luckiest two states of all of them, to be honest with you. No. No. Definitely not. Too cold. Yeah. Yeah. No. It's yeah. Four seasons in one night. Yeah. Yeah. No. Before I start work. Mhmm. Yeah. It's fine. 05/04/1964. 29 Middleton Road in Alexander Heights. Yeah. I've got a I'm offline here, so let's have a look. Yeah. I got it. Got it. Mhmm. Yep. Okay. No worries. Mhmm. Okay. What's going on with this wall hat carrying on? Mhmm. Which is already happening. Yep. Oh, that's good. Yeah. Mhmm. Yes. Oh, wow. Mhmm. Okay. Mhmm. Okay. I you're this is probably the first time I've done one with you. I don't know what's on my file. But, generally, I go, yep, if that's what you think. Mhmm. Yeah. It has. Yes. Mhmm. Yes. Mhmm. Oh, not really, but I'll make it work because that's in the best interest of the future, really, isn't it? Yeah. Yep. That's correct. No. Mhmm. No. No. It's still exactly the same. Yeah. No. As I said, I'll make it work because I think moving forward for the future, it needs to be made to work. Mhmm. Yes. Yes. Yeah. If you want to. Yeah. Yep. You do what you need to do. What's in my best interest? Mhmm. Okay then. No worries. See if I can put more in. Yeah. Okay. Mhmm. Okay. No worries. Yeah. Mhmm. Yes. Yes. Not that. Mhmm. Okay. Yeah. No. That's oh, I don't know how start that when the time comes, but probably not because of a still got a mortgage. Yeah. Probably about then. Well, that's up to about 950. Yeah. It's really some great thing. No. No. But at the same time, if you sell, you've gotta meet somewhere else. So neither here nor there. No. We've got too many kids between us. Yeah. It's that time. Mhmm. No. No. Everyone's grown up. Yeah. Well, yeah. So I just haven't grown up. They've got old enough. No. The loan's nearly paid off, though. I probably got another twelve months on that one, which is good. I think it's below 10. Yeah. That's fine. I don't even know what that is. No. Oh, we do need to, but, like, I think it's just too argumentative at the moment. So he's got three kids. I've got two kids. So, yeah, it's a conversation I should have that. I just don't want to. Yeah. Yeah. No. I've got a couple of lawyer friends that would help me. So yeah. God, no. God, no. That would be dangerous, and I've seen it in my job. I've seen it. It's very dangerous. Yep. Yep. Yep. Yep. Leave it by that. How? Mhmm. Wow. Okay. Can we get that looked at, please? Look at another provider and see if we can get it a bit cheaper. 62. Just. Mhmm. Mhmm. No. 300,000 is pretty good, I reckon. Oh, that night. Oh, dear. I didn't realize that we're not quite that much each year. I mean, that's that's insane. You pay for all the ages and then all of a sudden they decide to hurt you, well, you're probably gonna need it nice. Bit wrong. Wow. No worries. That would be great. You can let me know I'm disgustingly healthy. Yes. No. No. Mhmm. Okay. That would be great. Thank you. No. That's all good. So do I pay $366 a month in life insurance? That's a lie lie. But all that money I've already contributed is just that money now. And that $3.66 would sit in my super hang on. That whatever amount it is sits in my super for every year that I live. So say I live for another twenty years. It's a 100 and 10 thousand. Okay. I might have to give that some thought. Mhmm. Mhmm. Okay. That'd be great. Absolutely great. Okay. Sounds perfect. Mhmm. Yeah. 100%. Mhmm. Yes. To sign off. Yep. Okay. Sounds good. Yep. Sounds perfect. Very early in the morning WA time. Even earlier if you want. Mhmm. Yeah. Any day and Monday to Friday is fine. Okay. No worries at all. Thank you very much. Okay. Lovely. No. No. All good. Yeah. Enjoy it while it lasts. It's raining tomorrow. Okay. No worries. Thanks. Be a call, Tony. 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Good, Tommy. How are you? Exact exactly the same. Very, very cool, sunny day.\n\nYeah. I think we live in the luckiest two states of all of them, to be honest with you. No. No. Definitely not.\n\nToo cold. Yeah. Yeah. No. It's yeah.\n\nFour seasons in one night. Yeah. Yeah. No. Before I start work.\n\nMhmm. Yeah. It's fine. 05/04/1964. 29 Middleton Road in Alexander Heights.\n\nYeah. I've got a I'm offline here, so let's have a look. Yeah. I got it. Got it.\n\nMhmm. Yep. Okay. No worries. Mhmm.\n\nOkay. What's going on with this wall hat carrying on? Mhmm. Which is already happening. Yep.\n\nOh, that's good. Yeah. Mhmm. Yes. Oh, wow.\n\nMhmm. Okay. Mhmm. Okay. I you're this is probably the first time I've done one with you.\n\nI don't know what's on my file. But, generally, I go, yep, if that's what you think. Mhmm. Yeah. It has.\n\nYes. Mhmm. Yes. Mhmm. Oh, not really, but I'll make it work because that's in the best interest of the future, really, isn't it?\n\nYeah. Yep. That's correct. No. Mhmm.\n\nNo. No. It's still exactly the same. Yeah. No.\n\nAs I said, I'll make it work because I think moving forward for the future, it needs to be made to work. Mhmm. Yes. Yes. Yeah.\n\nIf you want to. Yeah. Yep. You do what you need to do. What's in my best interest?\n\nMhmm. Okay then. No worries. See if I can put more in. Yeah.\n\nOkay. Mhmm. Okay. No worries. Yeah.\n\nMhmm. Yes. Yes. Not that. Mhmm.\n\nOkay. Yeah. No. That's oh, I don't know how start that when the time comes, but probably not because of a still got a mortgage. Yeah.\n\nProbably about then. Well, that's up to about 950. Yeah. It's really some great thing. No.\n\nNo. But at the same time, if you sell, you've gotta meet somewhere else. So neither here nor there. No. We've got too many kids between us.\n\nYeah. It's that time. Mhmm. No. No.\n\nEveryone's grown up. Yeah. Well, yeah. So I just haven't grown up. They've got old enough.\n\nNo. The loan's nearly paid off, though. I probably got another twelve months on that one, which is good. I think it's below 10. Yeah.\n\nThat's fine. I don't even know what that is. No. Oh, we do need to, but, like, I think it's just too argumentative at the moment. So he's got three kids.\n\nI've got two kids. So, yeah, it's a conversation I should have that. I just don't want to. Yeah. Yeah.\n\nNo. I've got a couple of lawyer friends that would help me. So yeah. God, no. God, no.\n\nThat would be dangerous, and I've seen it in my job. I've seen it. It's very dangerous. Yep. Yep.\n\nYep. Yep. Leave it by that. How? Mhmm.\n\nWow. Okay. Can we get that looked at, please? Look at another provider and see if we can get it a bit cheaper. 62.\n\nJust. Mhmm. Mhmm. No. 300,000 is pretty good, I reckon.\n\nOh, that night. Oh, dear. I didn't realize that we're not quite that much each year. I mean, that's that's insane. You pay for all the ages and then all of a sudden they decide to hurt you, well, you're probably gonna need it nice.\n\nBit wrong. Wow. No worries. That would be great. You can let me know I'm disgustingly healthy.\n\nYes. No. No. Mhmm. Okay.\n\nThat would be great. Thank you. No. That's all good. So do I pay $366 a month in life insurance?\n\nThat's a lie lie. But all that money I've already contributed is just that money now. And that $3.66 would sit in my super hang on. That whatever amount it is sits in my super for every year that I live. So say I live for another twenty years.\n\nIt's a 100 and 10 thousand. Okay. I might have to give that some thought. Mhmm. Mhmm.\n\nOkay. That'd be great. Absolutely great. Okay. Sounds perfect.\n\nMhmm. Yeah. 100%. Mhmm. Yes.\n\nTo sign off. Yep. Okay. Sounds good. Yep.\n\nSounds perfect. Very early in the morning WA time. Even earlier if you want. Mhmm. Yeah.\n\nAny day and Monday to Friday is fine. Okay. No worries at all. Thank you very much. Okay.\n\nLovely. No. No. All good. Yeah.\n\nEnjoy it while it lasts. It's raining tomorrow. Okay. No worries. Thanks.\n\nBe a call, Tony. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.0,"end":0.5,"sentiment":"neutral","sentiment_score":0.03977154195308685},{"text":"Good, Tommy.","start":8.72,"end":9.5199995,"sentiment":"positive","sentiment_score":0.3445359170436859},{"text":"How are you?","start":9.5199995,"end":10.34,"sentiment":"neutral","sentiment_score":0.2775875727335612},{"text":"Exact exactly the same.","start":16.785,"end":18.805,"sentiment":"neutral","sentiment_score":0.10068508237600327},{"text":"Very, very cool, sunny day.","start":19.025,"end":22.244999,"sentiment":"positive","sentiment_score":0.6265079021453858}],"sentiment":"positive","sentiment_score":0.3397923956314723,"num_words":15,"start":0.0,"end":22.244999},{"sentences":[{"text":"Yeah.","start":26.0,"end":26.24,"sentiment":"neutral","sentiment_score":0.0734332799911499},{"text":"I think we live in the luckiest two states of all of them, to be honest with 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nice.","start":975.415,"end":981.515,"sentiment":"neutral","sentiment_score":-0.24751737620681524}],"sentiment":"neutral","sentiment_score":-0.2684514014671246,"num_words":45,"start":955.8,"end":981.515},{"sentences":[{"text":"Bit wrong.","start":982.36005,"end":989.98004,"sentiment":"neutral","sentiment_score":-0.28986337780952454},{"text":"Wow.","start":998.52496,"end":999.02496,"sentiment":"neutral","sentiment_score":0.0046132709830999374},{"text":"No worries.","start":1028.745,"end":1029.385,"sentiment":"neutral","sentiment_score":0.07694898918271065},{"text":"That would be great.","start":1029.385,"end":1030.425,"sentiment":"neutral","sentiment_score":0.15542666614055634},{"text":"You can let me know I'm disgustingly healthy.","start":1030.425,"end":1032.605,"sentiment":"neutral","sentiment_score":0.19170305784791708}],"sentiment":"neutral","sentiment_score":0.10200680123970789,"num_words":17,"start":982.36005,"end":1032.605},{"sentences":[{"text":"Yes.","start":1049.31,"end":1049.81,"sentiment":"neutral","sentiment_score":0.012304751202464104},{"text":"No.","start":1057.1749,"end":1057.6749,"sentiment":"neutral","sentiment_score":-0.07277607172727585},{"text":"No.","start":1059.255,"end":1059.755,"sentiment":"neutral","sentiment_score":-0.04199932515621185},{"text":"Mhmm.","start":1066.7749,"end":1067.2749,"sentiment":"neutral","sentiment_score":0.0437607616186142},{"text":"Okay.","start":1072.64,"end":1073.04,"sentiment":"neutral","sentiment_score":0.21139168739318848}],"sentiment":"neutral","sentiment_score":0.030536360666155817,"num_words":5,"start":1049.31,"end":1073.04},{"sentences":[{"text":"That would be great.","start":1073.04,"end":1074.0801,"sentiment":"positive","sentiment_score":0.384559229016304},{"text":"Thank you.","start":1074.0801,"end":1074.8201,"sentiment":"positive","sentiment_score":0.4212806820869446},{"text":"No.","start":1084.2151,"end":1084.4551,"sentiment":"neutral","sentiment_score":-0.011982589960098268},{"text":"That's all good.","start":1084.4551,"end":1085.515,"sentiment":"neutral","sentiment_score":0.07889052852988243},{"text":"So do I pay $366 a month in life insurance?","start":1091.655,"end":1096.4751,"sentiment":"neutral","sentiment_score":0.040032554790377615}],"sentiment":"neutral","sentiment_score":0.1502906411886215,"num_words":20,"start":1073.04,"end":1096.4751},{"sentences":[{"text":"That's a lie lie.","start":1109.36,"end":1110.5,"sentiment":"neutral","sentiment_score":-0.07241224125027657},{"text":"But all that money I've already contributed is just that money now.","start":1126.63,"end":1130.49,"sentiment":"neutral","sentiment_score":0.12762625701725483},{"text":"And that $3.66 would sit in my super hang on.","start":1151.19,"end":1154.7899,"sentiment":"neutral","sentiment_score":0.1314975406974554},{"text":"That whatever amount it is sits in my super for every year that I live.","start":1154.7899,"end":1159.37,"sentiment":"neutral","sentiment_score":0.10941444660226504},{"text":"So say I live for another twenty years.","start":1160.3099,"end":1162.8099,"sentiment":"neutral","sentiment_score":0.06470014993101358}],"sentiment":"neutral","sentiment_score":0.09623794744209367,"num_words":49,"start":1109.36,"end":1162.8099},{"sentences":[{"text":"It's a 100 and 10 thousand.","start":1170.115,"end":1171.895,"sentiment":"neutral","sentiment_score":0.08045303883651893},{"text":"Okay.","start":1193.3451,"end":1193.8451,"sentiment":"neutral","sentiment_score":0.00036082416772842407},{"text":"I might have to give that some thought.","start":1194.7051,"end":1196.5651,"sentiment":"neutral","sentiment_score":-0.0072355433367192745},{"text":"Mhmm.","start":1200.785,"end":1201.285,"sentiment":"neutral","sentiment_score":0.07121369242668152},{"text":"Mhmm.","start":1211.0,"end":1211.24,"sentiment":"neutral","sentiment_score":0.14990763366222382}],"sentiment":"neutral","sentiment_score":0.03801859038717607,"num_words":17,"start":1170.115,"end":1211.24},{"sentences":[{"text":"Okay.","start":1211.24,"end":1211.64,"sentiment":"neutral","sentiment_score":0.29082465171813965},{"text":"That'd be great.","start":1211.64,"end":1212.7,"sentiment":"positive","sentiment_score":0.6132257978121439},{"text":"Absolutely great.","start":1212.84,"end":1214.0599,"sentiment":"positive","sentiment_score":0.7476756274700165},{"text":"Okay.","start":1227.605,"end":1228.005,"sentiment":"positive","sentiment_score":0.5576900839805603},{"text":"Sounds perfect.","start":1228.005,"end":1228.905,"sentiment":"positive","sentiment_score":0.801410585641861}],"sentiment":"positive","sentiment_score":0.6429293950398763,"num_words":9,"start":1211.24,"end":1228.905},{"sentences":[{"text":"Mhmm.","start":1245.7,"end":1246.2,"sentiment":"neutral","sentiment_score":-0.0008185214828699827},{"text":"Yeah.","start":1278.735,"end":1278.975,"sentiment":"neutral","sentiment_score":0.09347216039896011},{"text":"100%.","start":1278.975,"end":1279.875,"sentiment":"neutral","sentiment_score":0.18143188953399655},{"text":"Mhmm.","start":1307.945,"end":1308.445,"sentiment":"neutral","sentiment_score":0.0345100574195385},{"text":"Yes.","start":1311.385,"end":1311.885,"sentiment":"neutral","sentiment_score":0.08791589736938477}],"sentiment":"neutral","sentiment_score":0.079302296647802,"num_words":5,"start":1245.7,"end":1311.885},{"sentences":[{"text":"To sign off.","start":1320.39,"end":1321.19,"sentiment":"neutral","sentiment_score":0.017348905093967915},{"text":"Yep.","start":1321.19,"end":1321.69,"sentiment":"neutral","sentiment_score":0.0862373411655426},{"text":"Okay.","start":1322.39,"end":1322.87,"sentiment":"neutral","sentiment_score":0.11217837035655975},{"text":"Sounds good.","start":1322.87,"end":1323.4299,"sentiment":"positive","sentiment_score":0.333700567483902},{"text":"Yep.","start":1323.4299,"end":1323.83,"sentiment":"neutral","sentiment_score":0.24856704473495483}],"sentiment":"neutral","sentiment_score":0.1458038258133456,"num_words":8,"start":1320.39,"end":1323.83},{"sentences":[{"text":"Sounds perfect.","start":1323.83,"end":1324.6499,"sentiment":"positive","sentiment_score":0.4988710880279541},{"text":"Very early in the morning WA time.","start":1334.5449,"end":1337.2849,"sentiment":"neutral","sentiment_score":0.05617025654230799},{"text":"Even earlier if you want.","start":1343.985,"end":1345.605,"sentiment":"neutral","sentiment_score":0.08706108033657074},{"text":"Mhmm.","start":1347.7201,"end":1348.2201,"sentiment":"neutral","sentiment_score":0.14895641803741455},{"text":"Yeah.","start":1351.88,"end":1352.2001,"sentiment":"neutral","sentiment_score":0.11413783580064774}],"sentiment":"neutral","sentiment_score":0.13058335171081126,"num_words":16,"start":1323.83,"end":1352.2001},{"sentences":[{"text":"Any day and Monday to Friday is fine.","start":1352.2001,"end":1354.38,"sentiment":"neutral","sentiment_score":0.177863085642457},{"text":"Okay.","start":1363.845,"end":1364.325,"sentiment":"neutral","sentiment_score":0.202525794506073},{"text":"No worries at all.","start":1364.325,"end":1365.705,"sentiment":"neutral","sentiment_score":0.30045875906944275},{"text":"Thank you very much.","start":1366.325,"end":1368.105,"sentiment":"positive","sentiment_score":0.8242544382810593},{"text":"Okay.","start":1377.2201,"end":1377.7001,"sentiment":"positive","sentiment_score":0.5397794246673584}],"sentiment":"positive","sentiment_score":0.3702257052063942,"num_words":18,"start":1352.2001,"end":1377.7001},{"sentences":[{"text":"Lovely.","start":1377.7001,"end":1378.2001,"sentiment":"positive","sentiment_score":0.7208786010742188},{"text":"No.","start":1383.9401,"end":1384.4401,"sentiment":"neutral","sentiment_score":-0.0708707720041275},{"text":"No.","start":1385.06,"end":1385.4601,"sentiment":"neutral","sentiment_score":-0.05059532821178436},{"text":"All good.","start":1385.4601,"end":1386.2001,"sentiment":"neutral","sentiment_score":0.31875573098659515},{"text":"Yeah.","start":1394.6549,"end":1395.0549,"sentiment":"positive","sentiment_score":0.4873661994934082}],"sentiment":"neutral","sentiment_score":0.28738169372081757,"num_words":6,"start":1377.7001,"end":1395.0549},{"sentences":[{"text":"Enjoy it while it lasts.","start":1395.0549,"end":1396.1749,"sentiment":"positive","sentiment_score":0.5757690668106079},{"text":"It's raining tomorrow.","start":1396.1749,"end":1397.315,"sentiment":"neutral","sentiment_score":0.21157274643580118},{"text":"Okay.","start":1402.6549,"end":1403.0549,"sentiment":"neutral","sentiment_score":0.11146147549152374},{"text":"No worries.","start":1403.0549,"end":1403.5349,"sentiment":"neutral","sentiment_score":0.17417314648628235},{"text":"Thanks.","start":1403.5349,"end":1403.855,"sentiment":"positive","sentiment_score":0.5195293426513672}],"sentiment":"positive","sentiment_score":0.37440839037299156,"num_words":12,"start":1395.0549,"end":1403.855},{"sentences":[{"text":"Be a call, Tony.","start":1403.855,"end":1404.835,"sentiment":"positive","sentiment_score":0.35290657728910446},{"text":"Bye bye.","start":1406.2008,"end":1407.0209,"sentiment":"neutral","sentiment_score":0.03135642409324647}],"sentiment":"neutral","sentiment_score":0.24572319289048514,"num_words":6,"start":1403.855,"end":1407.0209}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good morning, Tony. It's Tommy here from Oakview Financial. How are you doing today?\n\nChannel 1: Good, Tommy. How are you?\n\nChannel 0: I'm living the dream. It's a beautiful, cool Easter day still. How about your end? How's WA?\n\nChannel 1: Exact exactly the same. Very, very cool, sunny day.\n\nChannel 0: That's what we love to hear. It's the perfect time of year, isn't it?\n\nChannel 1: Yeah. I think we live in the luckiest two states of all of them, to be honest with you.\n\nChannel 0: Yeah. WA and Queensland seem to be sort of brother states a little bit, and I don't think I ever wanna go to New South Wales or Victoria to live. I'd prefer\n\nChannel 1: No.\n\nChannel 0: to stay here.\n\nChannel 1: No. Definitely not. Too cold.\n\nChannel 0: Yeah. Absolutely. It's all last time I went to Melbourne, I think it just bounced between, like, summer and winter every six hours.\n\nChannel 1: Yeah. Yeah. No. It's yeah. Four seasons in one night.\n\nChannel 0: I know. That's what they say. That's what they say. Tony, I've got an annual review pack to send out to you today. Do you still have a bit of time for me?\n\nChannel 1: Yeah. Yeah. No.\n\nChannel 0: Perfect.\n\nChannel 1: Before I start work.\n\nChannel 0: Easy done. I'll try and keep it relatively brief, but you do have a few moving parts with the pensions and the super and the insurance. So I wanna make sure I touch on everything today. Usual security process, are you okay for the call to be recorded?\n\nChannel 1: Mhmm. Yeah. It's fine.\n\nChannel 0: Perfect. And just for the security of your account, so I'm registered with Asic as Adviser 1273105. Are you okay to confirm your date of birth and address, please?\n\nChannel 1: 05/04/1964.\n\nChannel 0: Perfect. And residential address?\n\nChannel 1: 29 Middleton Road in Alexander Heights.\n\nChannel 0: Amazing. So I'm gonna pop this pack through to your Tony Wrightson seven email address. Will you be able to look onto that with me today, or do you want me to just kind of walk through what's there?\n\nChannel 1: Yeah. I've got a I'm offline here, so let's have a look.\n\nChannel 0: Perfect. So I'm gonna send it through now. Now it's coming through from our new system. We have a beautiful new system that we custom built for ourselves to better track everyone's advice, and it also has an inbuilt DocuSign function as well. So first time this email comes through, it may go through to your spam box.\n\nIt may go\n\nChannel 1: Yeah.\n\nChannel 0: through\n\nChannel 1: I got\n\nChannel 0: to your\n\nChannel 1: it.\n\nChannel 0: inbox.\n\nChannel 1: Got\n\nChannel 0: Oh, instant.\n\nChannel 1: it.\n\nChannel 0: Perfect. Love it. So it's got a number of attachments there just\n\nChannel 1: Mhmm.\n\nChannel 0: like a normal email attachment, and then it has a link to an updated service agreement if you're comfortable to remain a client with us after this review.\n\nChannel 1: Yep. Okay. No\n\nChannel 0: So\n\nChannel 1: worries.\n\nChannel 0: what I wanted to do to begin with, if it's okay, is just kind of run through some updated details. But is there anything in particular you would like to get out of this year's review?\n\nChannel 1: Mhmm. Okay. What's going on with this wall hat carrying on?\n\nChannel 0: All kinds of things. So I might jump into the super performance first if that if you'd prefer.\n\nChannel 1: Mhmm.\n\nChannel 0: Absolutely. So you're in a split between super and pension, pretty similar portfolios. What we're basically seeing is all of those news announcements, everything every time there's a a closure in the straight, the the stock market takes a bit of a tumble. On top of that, interest rates creeping up because inflation is looking to creep up too. So we're kind of hit between a rock and a hard place in Australia where raising interest rates might cause the economy to tumble.\n\nBut if they keep them low, inflation is gonna creep up and the cost of living gets out of control. So they've kind of snook it themselves a little bit, unfortunately,\n\nChannel 1: Which\n\nChannel 0: and\n\nChannel 1: is\n\nChannel 0: that's\n\nChannel 1: already happening. Yep.\n\nChannel 0: exactly. So that's causing a bit of jitters for sure, but your portfolio has actually been doing pretty well. It's handled it alright. I think there's only one option in there that's kind of underperformed out of eight. Seven of\n\nChannel 1: Oh,\n\nChannel 0: them have\n\nChannel 1: that's\n\nChannel 0: done pretty\n\nChannel 1: good.\n\nChannel 0: fantastic. So\n\nChannel 1: Yeah.\n\nChannel 0: if I just look at the super, you when we set up your transition pension at the 2024, we left it with $10,000 as a as a baseline and the rest moved into your pension account. Does that ring a bell?\n\nChannel 1: Mhmm. Yes.\n\nChannel 0: Perfect. It's built up to 31,000 as of today, both in contributions and returns. Looking at your performance sheet, you've still been positive for the year by a few percent even though the market's been tumbling. Most of your options there, gold, American shares, a few different things are up 27, 34, 11%. You do\n\nChannel 1: Oh, wow.\n\nChannel 0: have one option that has gone down 21%, which is the\n\nChannel 1: Mhmm.\n\nChannel 0: Australian shares.\n\nChannel 1: Okay.\n\nChannel 0: So, overall, it's held pretty well, but\n\nChannel 1: Mhmm.\n\nChannel 0: I do want to replace that option with a better Australian shares option, but the rest of them seem to be doing exactly what we want them to do.\n\nChannel 1: Okay. I you're this is probably the first time I've done one with you. I don't know what's on my file. But, generally, I go, yep, if that's what you think.\n\nChannel 0: Yes. Easy done. So part of this process too is I get you an updated statement of advice just so you've got it in writing, what we're looking to change, the pros and cons,\n\nChannel 1: Mhmm.\n\nChannel 0: and part of it too is just when it comes to the pension side of things. So your pension account I'm just switching it over from super to pension. Now you're getting fortnightly payments of $260\n\nChannel 1: Yeah.\n\nChannel 0: per fortnight coming out of the pension account. I'm assuming\n\nChannel 1: It\n\nChannel 0: that's been coming through okay to you.\n\nChannel 1: has.\n\nChannel 0: Perfect. So I've got your previous statement of advice open,\n\nChannel 1: Yes.\n\nChannel 0: and I'm just looking through that strategy to update it. Because what we normally do is your contributions go into super, and money comes out of the pension. So each year, we just tend to refresh it, move some more across from the super, refill up the pension account.\n\nChannel 1: Mhmm. Yes.\n\nChannel 0: That way, it's all nice and sort of tax free for you, all that kind of thing. In terms of the strategy itself, so is the two sixty fortnight\n\nChannel 1: Mhmm.\n\nChannel 0: coming out still okay in terms of maintaining your your living standards?\n\nChannel 1: Oh, not really, but I'll make it work because that's in the best interest of the future, really, isn't it?\n\nChannel 0: Yeah. Correct. One of the things that I'm just kind of thinking is I'm having a look at your, like, contribution statements from work. You're still working for Allset property settlements. Is that right?\n\nChannel 1: Yeah. Yep. That's correct.\n\nChannel 0: Yep. So that's been nice and consistent. You're not doing any sort of additional contributions to super or anything like that?\n\nChannel 1: No.\n\nChannel 0: Perfect. So the the whole point behind part of the strategy is to put in a little bit of salary sacrifice and pull a bit of money out of pension. But\n\nChannel 1: Mhmm.\n\nChannel 0: how is everything on an income level for you at the moment? Have you had any increases or decreases to your income?\n\nChannel 1: No. No. It's still exactly the same.\n\nChannel 0: Cool. So 90,000 is still okay?\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Now when it comes to those contributions in, if nothing is going in for salary sacrifice, do you feel like you need that two six year fortnight on top of your income to kind of get by?\n\nChannel 1: No. As I said, I'll make it work because I think moving forward for the future, it needs to be made to\n\nChannel 0: Yeah. And one of the cool things about the\n\nChannel 1: work.\n\nChannel 0: TTR strategy that we've got you in is you\n\nChannel 1: Mhmm.\n\nChannel 0: basically pull money out, put it back in again for a bit of a tax deduction, and boost up your super that way.\n\nChannel 1: Yes. Yes.\n\nChannel 0: So are you okay for me to kind of recalculate that a little bit? And in that updated document, I can kind of refresh the figures for you,\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: If\n\nChannel 0: that\n\nChannel 1: you want\n\nChannel 0: will\n\nChannel 1: to. Yeah. Yep.\n\nChannel 0: that'll\n\nChannel 1: You\n\nChannel 0: probably\n\nChannel 1: do what you\n\nChannel 0: involve\n\nChannel 1: need to do. What's in my best interest?\n\nChannel 0: absolutely. What I'm basically trying to do is just get that super boosting up as much as we can without impacting your take home pay.\n\nChannel 1: Mhmm.\n\nChannel 0: So what that'll look like is once I calculate that refresh of super back into pension, I'll figure out how much we can pull out, how much we can put back in, and it's just a matter of we'll do everything in the background. You talk to your employer, and that'll start boosting up pretty nicely.\n\nChannel 1: Okay then. No worries. See if I can put more in.\n\nChannel 0: Yeah. So the way it kind of works is because when you put it in, it's taxed at 15%. You can\n\nChannel 1: Yeah.\n\nChannel 0: put in, say, a $100. It costs you 85, and then we can pull 85 out of your pension account, and you'll still end up on the same pay.\n\nChannel 1: Okay.\n\nChannel 0: And there'll be a little bit of a tax difference there, That\n\nChannel 1: Mhmm.\n\nChannel 0: usual kind of difference between the 32 and the 15%, that 17% tax benefit, that goes in and boosts up your super a little bit.\n\nChannel 1: Okay. No worries.\n\nChannel 0: Perfect. I'm just going to double check risk levels because part of everything that's going on, we need to make sure you're not in anything too risky. Now you do have around about 15% in kind of safe assets at the moment, and it's really trying to kind of grow grow and offset what's coming out of the pension account, if that makes sense.\n\nChannel 1: Yeah.\n\nChannel 0: So when we're looking at your risk level, we technically call it balanced growth, which is kind of like a 3.5 out of five. So it's a little bit more focused on growing, but it's not medium high, high risk.\n\nChannel 1: Mhmm.\n\nChannel 0: But we're still trying to get you some growth out of the super because if we put it too conservative, it would start to kind of go down, and you're not gonna get it to anywhere comfortable over the next few years.\n\nChannel 1: Yes.\n\nChannel 0: K?\n\nChannel 1: Yes. Not\n\nChannel 0: It does mean it's gonna bounce around a little bit between seven to 15% up and down with what's going on in the world, but it'll average out over, say, seven years' time.\n\nChannel 1: that. Mhmm. Okay.\n\nChannel 0: Now what about the kind of full retirement idea? Are you looking to kind of hang up the boots at 67 when you can have your super plus the age pension in combination?\n\nChannel 1: Yeah. No. That's oh, I don't know how start that when the time comes, but probably not because of a still got a mortgage.\n\nChannel 0: Yeah. So for the time being, the priority is sort of finish off paying the mortgage, keep boosting up the super a little bit, and then you're probably gonna be fully accessing everything much later sometime between 6770 maybe.\n\nChannel 1: Yeah. Probably about then.\n\nChannel 0: Yep. Perfect. How has everything gone with the mortgage itself as well? Because I think last check, we had the home valued at 750,000,\n\nChannel 1: Well,\n\nChannel 0: and\n\nChannel 1: that's\n\nChannel 0: the\n\nChannel 1: up to about 950.\n\nChannel 0: amazing. How good is that?\n\nChannel 1: Yeah. It's\n\nChannel 0: One\n\nChannel 1: really\n\nChannel 0: of the\n\nChannel 1: some\n\nChannel 0: interesting\n\nChannel 1: great\n\nChannel 0: things\n\nChannel 1: thing.\n\nChannel 0: is if you can kind of make that work for you would be nice because having all that equity there kind of doesn't do much from a cash flow standpoint.\n\nChannel 1: No. No. But at the same time, if you sell, you've gotta meet somewhere else. So\n\nChannel 0: So yeah. Have you considered\n\nChannel 1: neither here nor there.\n\nChannel 0: downsizing down the line? Is that something that you you're thinking of?\n\nChannel 1: No. We've got too many kids between us.\n\nChannel 0: Yep. Totally fair. How much is owing on the mortgage now? I think it was $4.25 last check.\n\nChannel 1: Yeah. It's that time.\n\nChannel 0: Yep. $425,000. So we're gonna try and get that out. Now in terms of the family side of things, do you have any dependents under the age of 18, or are\n\nChannel 1: Mhmm.\n\nChannel 0: they all\n\nChannel 1: No.\n\nChannel 0: kind of\n\nChannel 1: No. Everyone's grown up.\n\nChannel 0: dependent adults, we would say?\n\nChannel 1: Yeah. Well, yeah. So I just haven't grown up. They've got old enough.\n\nChannel 0: Yeah. Perfect. Perfect. Perfect. Do you have anything else in the way of assets or liabilities we don't already have?\n\nWe had a little bit of home content in a car and a bit of a motor vehicle loan. That was about it.\n\nChannel 1: No. The loan's nearly paid off, though. I probably got another twelve months on that one,\n\nChannel 0: Yep. I\n\nChannel 1: which\n\nChannel 0: think\n\nChannel 1: is\n\nChannel 0: we had\n\nChannel 1: good.\n\nChannel 0: it at 15,000. Does that sound about right, or is it below 10 now?\n\nChannel 1: I think it's below 10.\n\nChannel 0: Yep. Is it okay if I put in about 9,000 for the time\n\nChannel 1: Yeah.\n\nChannel 0: being?\n\nChannel 1: That's fine.\n\nChannel 0: Perfect. Never gone through a bankruptcy before. That's all good. You've never gone through a debt agreement before, have you, like a part nine?\n\nChannel 1: I don't even know what that is.\n\nChannel 0: Now if you if you've been through it, you would know. And if you haven't, you wouldn't. So that's totally fine. Outside of that, did you end up putting in place, like, a will or a power of attorney? K.\n\nIs that something that you still wanna\n\nChannel 1: No.\n\nChannel 0: do?\n\nChannel 1: Oh, we do need to, but, like, I think it's just too argumentative at the moment. So he's got\n\nChannel 0: Oh,\n\nChannel 1: three kids. I've got two kids. So, yeah,\n\nChannel 0: no.\n\nChannel 1: it's a conversation I should have that. I just don't want to.\n\nChannel 0: I know. Too hard basket, and it is one of those things that I just see it so often. The, you know, baby boomer generation, people fighting over estates and and all this kind of thing, and having something in writing definitely helps or\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: let\n\nChannel 1: No.\n\nChannel 0: them\n\nChannel 1: I've got\n\nChannel 0: squabble,\n\nChannel 1: a couple\n\nChannel 0: I guess.\n\nChannel 1: of lawyer friends that would help me. So\n\nChannel 0: Awesome. So don't need to get\n\nChannel 1: yeah.\n\nChannel 0: the old post office will kit for $25. You've\n\nChannel 1: God,\n\nChannel 0: got\n\nChannel 1: no.\n\nChannel 0: people to go to.\n\nChannel 1: God, no. That would be\n\nChannel 0: Amazing.\n\nChannel 1: dangerous, and I've seen it in my job. I've seen it. It's very dangerous.\n\nChannel 0: Yes. Absolutely. I'm just having a look at the beneficiaries. You do have Christopher, Gemma, and Jai split\n\nChannel 1: Yep.\n\nChannel 0: fifty percent twenty five twenty five.\n\nChannel 1: Yep.\n\nChannel 0: You're still okay to leave\n\nChannel 1: Yep.\n\nChannel 0: them on there as is?\n\nChannel 1: Yep. Leave it by that.\n\nChannel 0: Yep. Alrighty. That's okay. The insurance side of things, I have a policy here for you. I'm just gonna bring that up and make sure we don't need to make any changes there.\n\nLet's have a look. Neos cover. So I need to be careful with your Neos cover because every November, there's an anniversary, and, unfortunately, tend to spike up quite a lot every year at your age. And I need to make sure it's not eating away super too much.\n\nChannel 1: How?\n\nChannel 0: So you do have life insurance renewals of 314,000.\n\nChannel 1: Mhmm.\n\nChannel 0: Now that covers a big chunk of the mortgage. It doesn't cover the full mortgage, but it does cost over $4,000 a year in premiums. And my best guess is that in November\n\nChannel 1: Wow.\n\nChannel 0: this year, it could be 5,005 and a half thousand at the next anniversary.\n\nChannel 1: Okay. Can we get that looked at, please?\n\nChannel 0: Yes. So the options are we either cancel it and then you don't have that protection, we reduce it, or we look at another provider and see if we can get it a bit cheaper.\n\nChannel 1: Look at another provider and see if we can get it a bit cheaper.\n\nChannel 0: Yep. Now I think you would be, I believe, 61 at the moment. Correct?\n\nChannel 1: 62. Just. Mhmm.\n\nChannel 0: 62. Okay. So I I think '61 is the last year that you can get a new life policy. I will double check because\n\nChannel 1: Mhmm.\n\nChannel 0: I know MetLife is really good for extending out when the entry age is. So I'll do a quote through them. Do you want me to do a quote for the same amount, or do you wanna look at reducing a little bit?\n\nChannel 1: No. 300,000 is pretty good, I reckon.\n\nChannel 0: Yeah. Okay. So I'll do the same level for a quote with another provider. If I can't get a replacement provider that's\n\nChannel 1: Oh,\n\nChannel 0: cheaper, do you wanna leave it until November? Do you wanna then reduce it? What would you like to do if I can't get something with another provider?\n\nChannel 1: that night.\n\nChannel 0: K.\n\nChannel 1: Oh, dear. I didn't realize that we're not quite that much each\n\nChannel 0: Yeah.\n\nChannel 1: year. I\n\nChannel 0: And\n\nChannel 1: mean, that's that's insane. You pay for\n\nChannel 0: it\n\nChannel 1: all\n\nChannel 0: is\n\nChannel 1: the ages and then all of a sudden they decide to hurt you, well, you're probably gonna need it nice.\n\nChannel 0: yeah. It's a bit\n\nChannel 1: Bit\n\nChannel 0: of a hockey stick graph. And the most painful thing that I see is I have people come into my office who are in their sixties, and they've\n\nChannel 1: wrong.\n\nChannel 0: kind of haven't looked at it for ten years. And next thing you know, I've had people paying $20,000 a year for insurances.\n\nChannel 1: Wow.\n\nChannel 0: Yeah. So I'm very vigilant with it and just going, okay. The investments are going pretty well with Hub. You're paying off your mortgage. We're gonna do a TTR strategy for the contributions.\n\nThat's great. But fees, we need to keep to a minimum as well. So what I'm gonna do is I'll go through and try and get some quotes and see if I can do anything about another provider, and then I'll get back to you straight away while I'm working on that updated plan.\n\nChannel 1: No worries. That would be great. You can let me know I'm disgustingly healthy.\n\nChannel 0: Fantastic. I will. I'll tell them that exactly. I'm assuming you haven't had any actually, let me check the inception date for your nails just in case because that has a big impact. So this one you've had since 2020.\n\nChannel 1: Yes.\n\nChannel 0: Now between 2020 and 2026, have you had any major health episodes or anything\n\nChannel 1: No.\n\nChannel 0: that they wouldn't already know about?\n\nChannel 1: No.\n\nChannel 0: Perfect. Perfect. So I can kind of use the previous information for the time being and\n\nChannel 1: Mhmm.\n\nChannel 0: at least just go for the quote and see if I can get anything in the first instance.\n\nChannel 1: Okay. That would be great. Thank you.\n\nChannel 0: Perfect. Perfect. Now besides those few areas that we've just discussed, is there any questions on your end so far?\n\nChannel 1: No. That's all good.\n\nChannel 0: K. Anything for you guys in terms of goals over the next few years that I haven't already noted down?\n\nChannel 1: So do I pay $366 a month in life insurance?\n\nChannel 0: Pretty much. It's a yearly premium with a 15% tax rebate that gets supplied when it when the money comes out. So it's not paid monthly, but that would be the equivalent. Yeah.\n\nChannel 1: That's a lie lie.\n\nChannel 0: Yeah. And when you've got the the sort of balance that you do have, it's a big portion, especially compared to your contributions. So great in 2020. The more it creeps up, the more it's kind of slowing things down for\n\nChannel 1: But all that money I've already\n\nChannel 0: you.\n\nChannel 1: contributed is just that money now.\n\nChannel 0: Yeah. That's the I think the worst part about insurance is everyone says, yep. I love the protection. And the worst case scenario is that you never need it, which is great. But then it's just, again, premiums that have gone off.\n\nSo my job is to keep an eye on that and make sure we can get you into a good position.\n\nChannel 1: And that $3.66 would sit in my super hang on. That whatever amount it is sits in my super for every year that I live. So say I live for another twenty years.\n\nChannel 0: And then that's being invested and trying to grow as well. So\n\nChannel 1: It's a 100\n\nChannel 0: all of\n\nChannel 1: and\n\nChannel 0: those\n\nChannel 1: 10\n\nChannel 0: amounts\n\nChannel 1: thousand.\n\nChannel 0: yeah. And believe you may, by the time you get through towards 67, the premiums will be $10. So at some point, the idea is mortgage is paid down, your super is built up, and you don't need the cover anymore.\n\nChannel 1: Okay. I might have to give that some thought.\n\nChannel 0: Yep. So what I wanna do is I'll go do some research. You\n\nChannel 1: Mhmm.\n\nChannel 0: give it some thought, and then we'll come back together for another quick catch up just to see which way you would prefer to go, and then I'll build that into the plan and make the updates for you.\n\nChannel 1: Mhmm. Okay. That'd be great. Absolutely\n\nChannel 0: Fantastic.\n\nChannel 1: great.\n\nChannel 0: Outside of that, basically, the main thing like, all the goals seem pretty straightforward. Let's get the super growing, pay down the mortgage, keep a lid on costs, and just try and enjoy and get through life.\n\nChannel 1: Okay. Sounds perfect.\n\nChannel 0: Cool. The other documents that are there, so that pack that I've sent you through, that has a financial services guide that's updated license info, complaints procedure, what we can and can't give advice on,\n\nChannel 1: Mhmm.\n\nChannel 0: and an Oakview services guide, you know, pictures of the team, all the different networks that we're a part of, all that kind of thing. And there's a service agreement there as well. So we still do charge the 1.65% out of the super. And then, obviously, I factor that in to the returns to make sure everything I tell you is after fees. When you get to 600,000, there is a cap, but, basically, that's the percentage to remain advisers on your account.\n\nAre you still comfortable for us to be looking after all of this?\n\nChannel 1: Yeah. 100%.\n\nChannel 0: Cool. Alright. So if you can give that one, let me just have a look at your hub account to see where the services are at. Just loading it up now. So we do have everything kind of expires on the seventeenth of next month.\n\nSo if you are able to give that one a sign, we'll apply that to the hub account, and then we can continue to look after it and make the changes. I\n\nChannel 1: Mhmm.\n\nChannel 0: will basically like to give you a call maybe next week about the insurances.\n\nChannel 1: Yes.\n\nChannel 0: And then the week after, I would like to present you with that updated plan and rebalance your pension and all that kind of thing.\n\nChannel 1: To sign off. Yep.\n\nChannel 0: Is\n\nChannel 1: Okay.\n\nChannel 0: that okay?\n\nChannel 1: Sounds good. Yep. Sounds perfect.\n\nChannel 0: Cool. Is it possible to still like, what's a good days and times to reach you just so I can kind of maybe put a tentative into my calendar?\n\nChannel 1: Very early in the morning WA time.\n\nChannel 0: Yep. So right now, we were looking at 08:00 appointments. It's 10:00\n\nChannel 1: Even\n\nChannel 0: in\n\nChannel 1: earlier\n\nChannel 0: Queensland.\n\nChannel 1: if you want.\n\nChannel 0: Even earlier as well. Fantastic.\n\nChannel 1: Mhmm.\n\nChannel 0: So any specific days?\n\nChannel 1: Yeah. Any day and Monday to Friday is fine.\n\nChannel 0: Perfect. So anytime next week early in the morning, I'll give you a buzz and let you know how I've gone. And if you can just give that some thought, that'd be fantastic.\n\nChannel 1: Okay. No worries at all. Thank\n\nChannel 0: Awesome.\n\nChannel 1: you\n\nChannel 0: Now\n\nChannel 1: very much.\n\nChannel 0: I do appreciate you taking the time this morning because definitely a few things we can do to help, and that's all part of the process in the service.\n\nChannel 1: Okay. Lovely.\n\nChannel 0: Any questions for me, Tony, before I let you go?\n\nChannel 1: No. No. All good.\n\nChannel 0: Amazing. If you have any questions, please call back in. I hope you enjoy the beautiful weather, and have a fantastic day at work.\n\nChannel 1: Yeah. Enjoy it while it lasts. It's raining tomorrow.\n\nChannel 0: Always the way, Tony. Awesome, mate. I'll talk to you next week. K?\n\nChannel 1: Okay. No worries. Thanks. Be a call, Tony.\n\nChannel 0: Cheers. Bye.\n\nChannel 1: Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.0,"end":0.5,"sentiment":"neutral","sentiment_score":0.03977154195308685}],"sentiment":"neutral","sentiment_score":0.03977154195308685,"channel":1,"num_words":1,"start":0.0,"end":0.5},{"sentences":[{"text":"Good morning, Tony.","start":4.88,"end":5.8399997,"sentiment":"neutral","sentiment_score":0.29506202538808185},{"text":"It's Tommy here from Oakview Financial.","start":5.8399997,"end":7.68,"sentiment":"neutral","sentiment_score":0.23251775155464807},{"text":"How are you doing today?","start":7.68,"end":8.66,"sentiment":"neutral","sentiment_score":0.23874344527721406}],"sentiment":"neutral","sentiment_score":0.2481435579913003,"channel":0,"num_words":14,"start":4.88,"end":8.66},{"sentences":[{"text":"Good, Tommy.","start":8.72,"end":9.5199995,"sentiment":"positive","sentiment_score":0.3445359170436859},{"text":"How are you?","start":9.5199995,"end":10.34,"sentiment":"neutral","sentiment_score":0.2775875727335612}],"sentiment":"neutral","sentiment_score":0.3043669104576111,"channel":1,"num_words":5,"start":8.72,"end":10.34},{"sentences":[{"text":"I'm living the dream.","start":10.639999,"end":11.759999,"sentiment":"positive","sentiment_score":0.6008259952068329},{"text":"It's a beautiful, cool Easter day still.","start":11.759999,"end":14.58,"sentiment":"positive","sentiment_score":0.6860038723264422},{"text":"How about your end?","start":14.985,"end":15.965,"sentiment":"neutral","sentiment_score":0.14685019105672836},{"text":"How's WA?","start":16.185,"end":17.085,"sentiment":"neutral","sentiment_score":0.04476629197597504}],"sentiment":"positive","sentiment_score":0.46366261384066415,"channel":0,"num_words":17,"start":10.639999,"end":17.085},{"sentences":[{"text":"Exact exactly the same.","start":16.785,"end":18.805,"sentiment":"neutral","sentiment_score":0.10068508237600327},{"text":"Very, very cool, sunny day.","start":19.025,"end":22.244999,"sentiment":"positive","sentiment_score":0.6265079021453858}],"sentiment":"positive","sentiment_score":0.3928088711367713,"channel":1,"num_words":9,"start":16.785,"end":22.244999},{"sentences":[{"text":"That's what we love to hear.","start":22.744999,"end":23.945,"sentiment":"positive","sentiment_score":0.6571704745292664},{"text":"It's the perfect time of year, isn't it?","start":23.945,"end":26.125,"sentiment":"positive","sentiment_score":0.4319332353770733}],"sentiment":"positive","sentiment_score":0.5284634807280132,"channel":0,"num_words":14,"start":22.744999,"end":26.125},{"sentences":[{"text":"Yeah.","start":26.0,"end":26.24,"sentiment":"neutral","sentiment_score":0.0734332799911499},{"text":"I think we live in the luckiest two states of all of them, to be honest with you.","start":26.24,"end":30.74,"sentiment":"neutral","sentiment_score":0.07735834932989544}],"sentiment":"neutral","sentiment_score":0.07715176673311937,"channel":1,"num_words":19,"start":26.0,"end":30.74},{"sentences":[{"text":"Yeah.","start":31.16,"end":31.66,"sentiment":"neutral","sentiment_score":-0.028012815862894055},{"text":"WA and Queensland seem to be sort of brother states a little bit, and I don't think I ever wanna go to New South Wales or Victoria to live.","start":31.8,"end":38.36,"sentiment":"neutral","sentiment_score":-0.11180811869943964},{"text":"I'd prefer","start":38.36,"end":38.92,"sentiment":"neutral","sentiment_score":-0.16382309794425964}],"sentiment":"neutral","sentiment_score":-0.11244045168859884,"channel":0,"num_words":32,"start":31.16,"end":38.92},{"sentences":[{"text":"No.","start":38.72,"end":39.165,"sentiment":"neutral","sentiment_score":-0.23523858189582825}],"sentiment":"neutral","sentiment_score":-0.23523858189582825,"channel":1,"num_words":1,"start":38.72,"end":39.165},{"sentences":[{"text":"to stay here.","start":38.92,"end":39.795,"sentiment":"neutral","sentiment_score":-0.18244393169879913}],"sentiment":"neutral","sentiment_score":-0.18244393169879913,"channel":0,"num_words":3,"start":38.92,"end":39.795},{"sentences":[{"text":"No.","start":40.205,"end":40.445,"sentiment":"neutral","sentiment_score":-0.16231249272823334},{"text":"Definitely not.","start":40.445,"end":41.485,"sentiment":"neutral","sentiment_score":-0.193821057677269},{"text":"Too cold.","start":41.485,"end":42.305,"sentiment":"neutral","sentiment_score":-0.20285538583993912}],"sentiment":"neutral","sentiment_score":-0.1911330759525299,"channel":1,"num_words":5,"start":40.205,"end":42.305},{"sentences":[{"text":"Yeah.","start":42.835,"end":43.234997,"sentiment":"neutral","sentiment_score":-0.04586612433195114},{"text":"Absolutely.","start":43.234997,"end":43.734997,"sentiment":"neutral","sentiment_score":0.017994562163949013},{"text":"It's all last time I went to Melbourne, I think it just bounced between, like, summer and winter every six hours.","start":43.875,"end":48.934998,"sentiment":"neutral","sentiment_score":-0.016365225947949858}],"sentiment":"neutral","sentiment_score":-0.016153969872823876,"channel":0,"num_words":23,"start":42.835,"end":48.934998},{"sentences":[{"text":"Yeah.","start":49.325,"end":49.825,"sentiment":"neutral","sentiment_score":0.0016564484685659409},{"text":"Yeah.","start":50.205,"end":50.525,"sentiment":"neutral","sentiment_score":-0.014452431350946426},{"text":"No.","start":50.525,"end":50.765,"sentiment":"neutral","sentiment_score":-0.05398023873567581},{"text":"It's yeah.","start":50.765,"end":51.405,"sentiment":"neutral","sentiment_score":-0.0556148998439312},{"text":"Four seasons in one night.","start":51.405,"end":53.025,"sentiment":"neutral","sentiment_score":-0.056061698496341704}],"sentiment":"neutral","sentiment_score":-0.045831451378762725,"channel":1,"num_words":10,"start":49.325,"end":53.025},{"sentences":[{"text":"I know.","start":53.73,"end":54.050003,"sentiment":"neutral","sentiment_score":-0.0498979315161705},{"text":"That's what they say.","start":54.050003,"end":54.850002,"sentiment":"neutral","sentiment_score":-0.026595803443342447},{"text":"That's what they say.","start":54.850002,"end":55.91,"sentiment":"neutral","sentiment_score":-0.001983338850550354},{"text":"Tony, I've got an annual review pack to send out to you today.","start":56.45,"end":59.81,"sentiment":"neutral","sentiment_score":0.07388442611465088},{"text":"Do you still have a bit of time for me?","start":59.81,"end":61.75,"sentiment":"neutral","sentiment_score":0.013423390127718449}],"sentiment":"neutral","sentiment_score":0.02668542450181011,"channel":0,"num_words":33,"start":53.73,"end":61.75},{"sentences":[{"text":"Yeah.","start":62.02,"end":62.52,"sentiment":"neutral","sentiment_score":0.013692572712898254},{"text":"Yeah.","start":62.579998,"end":63.059998,"sentiment":"neutral","sentiment_score":0.006121155805885792},{"text":"No.","start":63.059998,"end":63.559998,"sentiment":"neutral","sentiment_score":-0.006186552345752716}],"sentiment":"neutral","sentiment_score":0.00454239205767711,"channel":1,"num_words":3,"start":62.02,"end":63.559998},{"sentences":[{"text":"Perfect.","start":63.09,"end":63.59,"sentiment":"neutral","sentiment_score":0.06925171613693237}],"sentiment":"neutral","sentiment_score":0.06925171613693237,"channel":0,"num_words":1,"start":63.09,"end":63.59},{"sentences":[{"text":"Before I start work.","start":63.7,"end":65.0,"sentiment":"neutral","sentiment_score":0.023748228326439857}],"sentiment":"neutral","sentiment_score":0.023748228326439857,"channel":1,"num_words":4,"start":63.7,"end":65.0},{"sentences":[{"text":"Easy done.","start":65.665,"end":66.305,"sentiment":"neutral","sentiment_score":0.16691425442695618},{"text":"I'll try and keep it relatively brief, but you do have a few moving parts with the pensions and the super and the insurance.","start":66.305,"end":73.025,"sentiment":"neutral","sentiment_score":0.09082057947913806},{"text":"So I wanna make sure I touch on everything today.","start":73.025,"end":75.445,"sentiment":"neutral","sentiment_score":0.1108667753636837},{"text":"Usual security process, are you okay for the call to be recorded?","start":76.560005,"end":79.78,"sentiment":"neutral","sentiment_score":0.020109011015544336}],"sentiment":"neutral","sentiment_score":0.0804895479620124,"channel":0,"num_words":48,"start":65.665,"end":79.78},{"sentences":[{"text":"Mhmm.","start":80.034996,"end":80.115,"sentiment":"neutral","sentiment_score":0.019755316898226735},{"text":"Yeah.","start":80.115,"end":80.354996,"sentiment":"neutral","sentiment_score":0.05325363576412201},{"text":"It's fine.","start":80.354996,"end":81.174995,"sentiment":"neutral","sentiment_score":0.13078288361430168}],"sentiment":"neutral","sentiment_score":0.08364367997273803,"channel":1,"num_words":4,"start":80.034996,"end":81.174995},{"sentences":[{"text":"Perfect.","start":81.6,"end":82.1,"sentiment":"neutral","sentiment_score":0.2482561767101288},{"text":"And just for the security of your account, so I'm registered with Asic as Adviser 1273105.","start":82.240005,"end":88.5,"sentiment":"neutral","sentiment_score":0.09624655405059457},{"text":"Are you okay to confirm your date of birth and address, please?","start":88.56,"end":91.62,"sentiment":"neutral","sentiment_score":0.04212598316371441}],"sentiment":"neutral","sentiment_score":0.07909354618911085,"channel":0,"num_words":29,"start":81.6,"end":91.62},{"sentences":[{"text":"05/04/1964.","start":91.71,"end":93.25,"sentiment":"neutral","sentiment_score":0.014825254678726196}],"sentiment":"neutral","sentiment_score":0.014825254678726196,"channel":1,"num_words":1,"start":91.71,"end":93.25},{"sentences":[{"text":"Perfect.","start":94.515,"end":95.015,"sentiment":"neutral","sentiment_score":0.08266879618167877},{"text":"And residential address?","start":95.475,"end":96.935005,"sentiment":"neutral","sentiment_score":0.04224731773138046}],"sentiment":"neutral","sentiment_score":0.05235268734395504,"channel":0,"num_words":4,"start":94.515,"end":96.935005},{"sentences":[{"text":"29 Middleton Road in Alexander Heights.","start":97.784996,"end":101.005,"sentiment":"neutral","sentiment_score":0.035769443958997726}],"sentiment":"neutral","sentiment_score":0.035769443958997726,"channel":1,"num_words":6,"start":97.784996,"end":101.005},{"sentences":[{"text":"Amazing.","start":101.635,"end":102.135,"sentiment":"positive","sentiment_score":0.3816430568695069},{"text":"So I'm gonna pop this pack through to your Tony Wrightson seven email address.","start":102.435005,"end":109.3,"sentiment":"neutral","sentiment_score":0.17318178926195418},{"text":"Will you be able to look onto that with me today, or do you want me to just kind of walk through what's there?","start":109.3,"end":113.72,"sentiment":"neutral","sentiment_score":0.12047781546910603}],"sentiment":"neutral","sentiment_score":0.14609373532808745,"channel":0,"num_words":39,"start":101.635,"end":113.72},{"sentences":[{"text":"Yeah.","start":114.02,"end":114.52,"sentiment":"neutral","sentiment_score":0.01611209847033024},{"text":"I've got a I'm offline here, so let's have a look.","start":114.659996,"end":119.24,"sentiment":"neutral","sentiment_score":0.02415788241408088}],"sentiment":"neutral","sentiment_score":0.023487400418768328,"channel":1,"num_words":12,"start":114.02,"end":119.24},{"sentences":[{"text":"Perfect.","start":120.435,"end":120.835,"sentiment":"neutral","sentiment_score":0.03495139628648758},{"text":"So I'm gonna send it through now.","start":120.835,"end":122.195,"sentiment":"neutral","sentiment_score":0.08643773943185806},{"text":"Now it's coming through from our new system.","start":122.195,"end":124.615,"sentiment":"neutral","sentiment_score":0.1463543502613902},{"text":"We have a beautiful new system that we custom built for ourselves to better track everyone's advice, and it also has an inbuilt DocuSign function as well.","start":124.675,"end":133.975,"sentiment":"positive","sentiment_score":0.4664661299299311},{"text":"So first time this email comes through, it may go through to your spam box.","start":134.31001,"end":138.73001,"sentiment":"neutral","sentiment_score":0.022113051265478134}],"sentiment":"neutral","sentiment_score":0.2540884767498436,"channel":0,"num_words":58,"start":120.435,"end":138.73001},{"sentences":[{"text":"It may 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mortgage.","start":1006.685,"end":1008.14496,"sentiment":"neutral","sentiment_score":0.14315522015094756},{"text":"We're gonna do a TTR strategy for the contributions.","start":1008.445,"end":1011.105,"sentiment":"neutral","sentiment_score":0.13193203839990827}],"sentiment":"neutral","sentiment_score":0.15814510343427007,"channel":0,"num_words":33,"start":1000.18,"end":1011.105},{"sentences":[{"text":"That's great.","start":1011.40497,"end":1012.125,"sentiment":"neutral","sentiment_score":0.3312726765871048},{"text":"But fees, we need to keep to a minimum as well.","start":1012.125,"end":1015.105,"sentiment":"neutral","sentiment_score":-0.09457529133016412},{"text":"So what I'm gonna do is I'll go through and try and get some quotes and see if I can do anything about another provider, and then I'll get back to you straight away while I'm working on that updated 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at.","start":1282.1951,"end":1290.8551,"sentiment":"neutral","sentiment_score":0.17285140107075372},{"text":"Just loading it up now.","start":1291.0751,"end":1292.4551,"sentiment":"neutral","sentiment_score":0.16076889932155608},{"text":"So we do have everything kind of expires on the seventeenth of next month.","start":1293.8999,"end":1299.0399,"sentiment":"neutral","sentiment_score":0.10521560162305832}],"sentiment":"neutral","sentiment_score":0.15516112910376656,"channel":0,"num_words":45,"start":1280.995,"end":1299.0399},{"sentences":[{"text":"So if you are able to give that one a sign, we'll apply that to the hub account, and then we can continue to look after it and make the changes.","start":1299.1,"end":1306.08,"sentiment":"neutral","sentiment_score":0.16862487648763963},{"text":"I","start":1307.5851,"end":1307.985,"sentiment":"neutral","sentiment_score":0.047305379062891006}],"sentiment":"neutral","sentiment_score":0.16483364219311625,"channel":0,"num_words":32,"start":1299.1,"end":1307.985},{"sentences":[{"text":"Mhmm.","start":1307.945,"end":1308.445,"sentiment":"neutral","sentiment_score":0.0345100574195385}],"sentiment":"neutral","sentiment_score":0.0345100574195385,"channel":1,"num_words":1,"start":1307.945,"end":1308.445},{"sentences":[{"text":"will basically like to give you a call maybe next week about the insurances.","start":1307.985,"end":1311.8451,"sentiment":"neutral","sentiment_score":0.04239106018628393}],"sentiment":"neutral","sentiment_score":0.04239106018628393,"channel":0,"num_words":14,"start":1307.985,"end":1311.8451},{"sentences":[{"text":"Yes.","start":1311.385,"end":1311.885,"sentiment":"neutral","sentiment_score":0.08791589736938477}],"sentiment":"neutral","sentiment_score":0.08791589736938477,"channel":1,"num_words":1,"start":1311.385,"end":1311.885},{"sentences":[{"text":"And then the week after, I would like to present you with that updated plan and rebalance your pension and all that kind of thing.","start":1312.4651,"end":1320.18,"sentiment":"neutral","sentiment_score":0.0891720686852932}],"sentiment":"neutral","sentiment_score":0.0891720686852932,"channel":0,"num_words":25,"start":1312.4651,"end":1320.18},{"sentences":[{"text":"To sign off.","start":1320.39,"end":1321.19,"sentiment":"neutral","sentiment_score":0.017348905093967915},{"text":"Yep.","start":1321.19,"end":1321.69,"sentiment":"neutral","sentiment_score":0.0862373411655426}],"sentiment":"neutral","sentiment_score":0.03457101411186159,"channel":1,"num_words":4,"start":1320.39,"end":1321.69},{"sentences":[{"text":"Is","start":1322.18,"end":1322.42,"sentiment":"neutral","sentiment_score":0.08691715449094772}],"sentiment":"neutral","sentiment_score":0.08691715449094772,"channel":0,"num_words":1,"start":1322.18,"end":1322.42},{"sentences":[{"text":"Okay.","start":1322.39,"end":1322.87,"sentiment":"neutral","sentiment_score":0.11217837035655975}],"sentiment":"neutral","sentiment_score":0.11217837035655975,"channel":1,"num_words":1,"start":1322.39,"end":1322.87},{"sentences":[{"text":"that 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calendar?","start":1327.06,"end":1333.7201,"sentiment":"neutral","sentiment_score":0.17080475283520563}],"sentiment":"neutral","sentiment_score":0.1759689275560708,"channel":0,"num_words":29,"start":1325.54,"end":1333.7201},{"sentences":[{"text":"Very early in the morning WA time.","start":1334.5449,"end":1337.2849,"sentiment":"neutral","sentiment_score":0.05617025654230799}],"sentiment":"neutral","sentiment_score":0.05617025654230799,"channel":1,"num_words":7,"start":1334.5449,"end":1337.2849},{"sentences":[{"text":"Yep.","start":1337.995,"end":1338.495,"sentiment":"neutral","sentiment_score":0.08575908839702606},{"text":"So right now, we were looking at 08:00 appointments.","start":1338.555,"end":1342.575,"sentiment":"neutral","sentiment_score":0.09735474901066886},{"text":"It's 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days?","start":1348.25,"end":1350.67,"sentiment":"neutral","sentiment_score":0.07096610032022}],"sentiment":"neutral","sentiment_score":0.07096610032022,"channel":0,"num_words":4,"start":1348.25,"end":1350.67},{"sentences":[{"text":"Yeah.","start":1351.88,"end":1352.2001,"sentiment":"neutral","sentiment_score":0.11413783580064774},{"text":"Any day and Monday to Friday is fine.","start":1352.2001,"end":1354.38,"sentiment":"neutral","sentiment_score":0.177863085642457}],"sentiment":"neutral","sentiment_score":0.17078250232670042,"channel":1,"num_words":9,"start":1351.88,"end":1354.38},{"sentences":[{"text":"Perfect.","start":1354.97,"end":1355.47,"sentiment":"positive","sentiment_score":0.5544176697731018},{"text":"So anytime next week early in the morning, I'll give you a buzz and let you know how I've gone.","start":1355.53,"end":1360.43,"sentiment":"positive","sentiment_score":0.4528005599975586},{"text":"And if you can just give that some thought, that'd be fantastic.","start":1360.735,"end":1362.995,"sentiment":"positive","sentiment_score":0.5300988977154096}],"sentiment":"positive","sentiment_score":0.48398835279724817,"channel":0,"num_words":33,"start":1354.97,"end":1362.995},{"sentences":[{"text":"Okay.","start":1363.845,"end":1364.325,"sentiment":"neutral","sentiment_score":0.202525794506073},{"text":"No worries at all.","start":1364.325,"end":1365.705,"sentiment":"neutral","sentiment_score":0.30045875906944275},{"text":"Thank","start":1366.325,"end":1366.645,"sentiment":"positive","sentiment_score":0.8586574196815491}],"sentiment":"positive","sentiment_score":0.37716970841089886,"channel":1,"num_words":6,"start":1363.845,"end":1366.645},{"sentences":[{"text":"Awesome.","start":1366.575,"end":1366.975,"sentiment":"positive","sentiment_score":0.8410422205924988}],"sentiment":"positive","sentiment_score":0.8410422205924988,"channel":0,"num_words":1,"start":1366.575,"end":1366.975},{"sentences":[{"text":"you","start":1366.645,"end":1367.145,"sentiment":"positive","sentiment_score":0.7969534993171692}],"sentiment":"positive","sentiment_score":0.7969534993171692,"channel":1,"num_words":1,"start":1366.645,"end":1367.145},{"sentences":[{"text":"Now","start":1366.975,"end":1367.475,"sentiment":"positive","sentiment_score":0.8195013403892517}],"sentiment":"positive","sentiment_score":0.8195013403892517,"channel":0,"num_words":1,"start":1366.975,"end":1367.475},{"sentences":[{"text":"very much.","start":1367.205,"end":1368.105,"sentiment":"positive","sentiment_score":0.8207034170627594}],"sentiment":"positive","sentiment_score":0.8207034170627594,"channel":1,"num_words":2,"start":1367.205,"end":1368.105},{"sentences":[{"text":"I do appreciate you taking the time this morning because definitely a few things we can do to help, and that's all part of the process in the service.","start":1368.6549,"end":1376.2749,"sentiment":"positive","sentiment_score":0.7123164719548719}],"sentiment":"positive","sentiment_score":0.7123164719548719,"channel":0,"num_words":29,"start":1368.6549,"end":1376.2749},{"sentences":[{"text":"Okay.","start":1377.2201,"end":1377.7001,"sentiment":"positive","sentiment_score":0.5397794246673584},{"text":"Lovely.","start":1377.7001,"end":1378.2001,"sentiment":"positive","sentiment_score":0.7208786010742188}],"sentiment":"positive","sentiment_score":0.6303290128707886,"channel":1,"num_words":2,"start":1377.2201,"end":1378.2001},{"sentences":[{"text":"Any questions for me, Tony, before I let you go?","start":1379.1101,"end":1381.37,"sentiment":"neutral","sentiment_score":0.28478822112083435}],"sentiment":"neutral","sentiment_score":0.28478822112083435,"channel":0,"num_words":10,"start":1379.1101,"end":1381.37},{"sentences":[{"text":"No.","start":1383.9401,"end":1384.4401,"sentiment":"neutral","sentiment_score":-0.0708707720041275},{"text":"No.","start":1385.06,"end":1385.4601,"sentiment":"neutral","sentiment_score":-0.05059532821178436},{"text":"All good.","start":1385.4601,"end":1386.2001,"sentiment":"neutral","sentiment_score":0.31875573098659515}],"sentiment":"neutral","sentiment_score":0.1290113404393196,"channel":1,"num_words":4,"start":1383.9401,"end":1386.2001},{"sentences":[{"text":"Amazing.","start":1386.9501,"end":1387.4501,"sentiment":"positive","sentiment_score":0.6268177032470703},{"text":"If you have any questions, please call back in.","start":1387.75,"end":1390.125,"sentiment":"neutral","sentiment_score":0.31005940006838906},{"text":"I hope you enjoy the beautiful weather, and have a fantastic day at work.","start":1390.205,"end":1394.545,"sentiment":"positive","sentiment_score":0.7400339373520443}],"sentiment":"positive","sentiment_score":0.5740761427829663,"channel":0,"num_words":24,"start":1386.9501,"end":1394.545},{"sentences":[{"text":"Yeah.","start":1394.6549,"end":1395.0549,"sentiment":"positive","sentiment_score":0.4873661994934082},{"text":"Enjoy it while it lasts.","start":1395.0549,"end":1396.1749,"sentiment":"positive","sentiment_score":0.5757690668106079},{"text":"It's raining tomorrow.","start":1396.1749,"end":1397.315,"sentiment":"neutral","sentiment_score":0.21157274643580118}],"sentiment":"positive","sentiment_score":0.44454775253931683,"channel":1,"num_words":9,"start":1394.6549,"end":1397.315},{"sentences":[{"text":"Always the way, Tony.","start":1399.191,"end":1400.471,"sentiment":"positive","sentiment_score":0.3960009068250656},{"text":"Awesome, mate.","start":1400.471,"end":1401.031,"sentiment":"positive","sentiment_score":0.7454191446304321},{"text":"I'll talk to you next week.","start":1401.031,"end":1402.071,"sentiment":"positive","sentiment_score":0.3608747571706772},{"text":"K?","start":1402.071,"end":1402.571,"sentiment":"neutral","sentiment_score":0.1057950109243393}],"sentiment":"positive","sentiment_score":0.4112219592699638,"channel":0,"num_words":13,"start":1399.191,"end":1402.571},{"sentences":[{"text":"Okay.","start":1402.6549,"end":1403.0549,"sentiment":"neutral","sentiment_score":0.11146147549152374},{"text":"No worries.","start":1403.0549,"end":1403.5349,"sentiment":"neutral","sentiment_score":0.17417314648628235},{"text":"Thanks.","start":1403.5349,"end":1403.855,"sentiment":"positive","sentiment_score":0.5195293426513672},{"text":"Be a call, Tony.","start":1403.855,"end":1404.835,"sentiment":"positive","sentiment_score":0.35290657728910446}],"sentiment":"neutral","sentiment_score":0.2988704275339842,"channel":1,"num_words":8,"start":1402.6549,"end":1404.835},{"sentences":[{"text":"Cheers.","start":1405.271,"end":1405.671,"sentiment":"positive","sentiment_score":0.5460571646690369},{"text":"Bye.","start":1405.671,"end":1406.171,"sentiment":"neutral","sentiment_score":0.2882537245750427}],"sentiment":"positive","sentiment_score":0.4171554446220398,"channel":0,"num_words":2,"start":1405.271,"end":1406.171},{"sentences":[{"text":"Bye bye.","start":1406.2008,"end":1407.0209,"sentiment":"neutral","sentiment_score":0.03135642409324647}],"sentiment":"neutral","sentiment_score":0.03135642409324647,"channel":1,"num_words":2,"start":1406.2008,"end":1407.0209}]},"summary":{"result":"success","short":"The representative from Oakview Financial, Tommy, discusses the company's new insurance system and provides updates on the security process, including confirming personal information and updating account details. The speaker emphasizes the importance of maintaining living standards and putting in salary sacrifice, while also discussing the retirement plan and risk levels, including the possibility of downsizing and maintaining a balanced growth strategy. The customer and agent discuss the retirement strategy, risk levels, and assets and liabilities, including home content and a car loan. The agent provides information on the customer's monthly premiums and the process for canceling the insurance policy, and suggests reducing the policy and maintaining healthy health. The agent emphasizes the need to keep an eye on the current policy and build a plan for future updates, and offers to help with any questions."},"intents":{"segments":[{"text":"Are you okay to confirm your date of birth and address, please?","start_word":263,"end_word":274,"intents":[{"intent":"Confirm identity","confidence_score":0.0030615535}]},{"text":"So I might jump into the super performance first if that if you'd prefer. Mhmm.","start_word":507,"end_word":521,"intents":[{"intent":"Evaluate performance","confidence_score":0.00093870633}]},{"text":"So part of this process too is I get you an updated statement of advice just so you've got it in writing, what we're looking to change, the pros and cons, Mhmm.","start_word":879,"end_word":910,"intents":[{"intent":"Update statement of advice","confidence_score":0.58966124}]},{"text":"coming out still okay in terms of maintaining your your living standards?","start_word":1059,"end_word":1070,"intents":[{"intent":"Maintain living standards","confidence_score":0.63979954}]},{"text":"One of the things that I'm just kind of thinking is I'm having a look at your, like, contribution statements from work. You're still working for Allset property settlements. Is that right? Yeah.","start_word":1093,"end_word":1125,"intents":[{"intent":"Review contribution statements","confidence_score":0.12711737}]},{"text":"One of the things that I'm just kind of thinking is I'm having a look at your, like, contribution statements from work. You're still working for Allset property settlements. Is that right? Yeah. Yep.","start_word":1093,"end_word":1126,"intents":[{"intent":"Confirm employer status","confidence_score":0.000089169145}]},{"text":"So are you okay for me to kind of recalculate that a little bit? And in that updated document, I can kind of refresh the figures for you, Yeah.","start_word":1324,"end_word":1352,"intents":[{"intent":"Recalculate contributions","confidence_score":0.02409018},{"intent":"Recalculate amounts","confidence_score":0.0051741377}]},{"text":"What I'm basically trying to do is just get that super boosting up as much as we can without impacting your take home pay. Mhmm.","start_word":1378,"end_word":1402,"intents":[{"intent":"Optimize super super","confidence_score":0.0061823106}]},{"text":"So what that'll look like is once I calculate that refresh of super back into pension, I'll figure out how much we can pull out, how much we can put back in, and it's just a matter of we'll do everything in the background. You talk to your employer, and that'll start boosting up pretty nicely. Okay then.","start_word":1404,"end_word":1461,"intents":[{"intent":"Calculate super back into pension","confidence_score":0.26057884}]},{"text":"You talk to your employer, and that'll start boosting up pretty nicely. Okay then. No worries.","start_word":1447,"end_word":1462,"intents":[{"intent":"Work with employer","confidence_score":0.009613531}]},{"text":"See if I can put more in. Yeah.","start_word":1463,"end_word":1470,"intents":[{"intent":"Put extra money in account","confidence_score":0.000057586996}]},{"text":"I'm just going to double check risk levels because part of everything that's going on, we need to make sure you're not in anything too risky. Now you do have around about 15% in kind of safe assets at the moment, and it's really trying to kind of grow grow and offset what's coming out of the pension account, if that makes sense. Yeah.","start_word":1564,"end_word":1627,"intents":[{"intent":"Check risk levels","confidence_score":0.53910315},{"intent":"Check risk level","confidence_score":0.008928122},{"intent":"Coordinate growth","confidence_score":0.005821146}]},{"text":"But we're still trying to get you some growth out of the super because if we put it too conservative, it would start to kind of go down, and you're not gonna get it to anywhere comfortable over the next few years. Yes. K?","start_word":1669,"end_word":1712,"intents":[{"intent":"Agree with future growth","confidence_score":0.0000067236147}]},{"text":"That's oh, I don't know how start that when the time comes, but probably not because of a still got a mortgage.","start_word":1786,"end_word":1807,"intents":[{"intent":"Discuss mortgage status","confidence_score":0.004794886}]},{"text":"downsizing down the line? Is that something that you you're thinking of? No.","start_word":1954,"end_word":1966,"intents":[{"intent":"Discuss downsizing options","confidence_score":0.2546396}]},{"text":"Now in terms of the family side of things, do you have any dependents under the age of 18, or are Mhmm. they all No.","start_word":2006,"end_word":2030,"intents":[{"intent":"Clarify dependents","confidence_score":0.0026417642}]},{"text":"Do you have anything else in the way of assets or liabilities we don't already have?","start_word":2059,"end_word":2074,"intents":[{"intent":"Check asset status","confidence_score":0.00036815295}]},{"text":"The loan's nearly paid off, though. I probably got another twelve months on that one, Yep.","start_word":2099,"end_word":2114,"intents":[{"intent":"Confirm loan","confidence_score":0.000031273084}]},{"text":"You've never gone through a debt agreement before, have you, like a part nine?","start_word":2168,"end_word":2181,"intents":[{"intent":"Clarify debt agreement details","confidence_score":0.0062371073}]},{"text":"So the options are we either cancel it and then you don't have that protection, we reduce it, or we look at another provider and see if we can get it a bit cheaper. Look at another provider and see if we can get it a bit cheaper. Yep.","start_word":2578,"end_word":2626,"intents":[{"intent":"Considering alternative provider","confidence_score":0.0025106405},{"intent":"Discussing future policy options","confidence_score":0.0008584386}]},{"text":"No.","start_word":2711,"end_word":2711,"intents":[{"intent":"Reducing coverage cost","confidence_score":0.0016972212}]},{"text":"But fees, we need to keep to a minimum as well. So what I'm gonna do is I'll go through and try and get some quotes and see if I can do anything about another provider, and then I'll get back to you straight away while I'm working on that updated plan. No worries.","start_word":2911,"end_word":2964,"intents":[{"intent":"Get quotes and plan for lower fees","confidence_score":9.1012697e-7}]},{"text":"So what I'm gonna do is I'll go through and try and get some quotes and see if I can do anything about another provider, and then I'll get back to you straight away while I'm working on that updated plan. No worries.","start_word":2922,"end_word":2964,"intents":[{"intent":"Obtain quotes and if needed","confidence_score":0.000041530453}]},{"text":"Now between 2020 and 2026, have you had any major health episodes or anything No.","start_word":3018,"end_word":3032,"intents":[{"intent":"Inquire about health episodes and major health episodes","confidence_score":0.003641792}]},{"text":"Pretty much.","start_word":3136,"end_word":3137,"intents":[{"intent":"Discuss goals and pay monthly premiums and tax rebate","confidence_score":0.000078514204}]},{"text":"Outside of that, basically, the main thing like, all the goals seem pretty straightforward. Let's get the super growing, pay down the mortgage, keep a lid on costs, and just try and enjoy and get through life. Okay.","start_word":3456,"end_word":3493,"intents":[{"intent":"Determine goals","confidence_score":0.00080793106}]},{"text":"The other documents that are there, so that pack that I've sent you through, that has a financial services guide that's updated license info, complaints procedure, what we can and can't give advice on, Mhmm.","start_word":3498,"end_word":3532,"intents":[{"intent":"Provide advice","confidence_score":0.05919661}]},{"text":"So we still do charge the 1.65% out of the super.","start_word":3565,"end_word":3575,"intents":[{"intent":"Charge fees","confidence_score":0.2784445}]},{"text":"So we do have everything kind of expires on the seventeenth of next month. So if you are able to give that one a sign, we'll apply that to the hub account, and then we can continue to look after it and make the changes. I Mhmm.","start_word":3662,"end_word":3708,"intents":[{"intent":"Apply rule","confidence_score":0.00050919503}]},{"text":"And then the week after, I would like to present you with that updated plan and rebalance your pension and all that kind of thing. To sign off. Yep.","start_word":3724,"end_word":3752,"intents":[{"intent":"Align plans","confidence_score":0.000062099054}]},{"text":"Any day and Monday to Friday is fine. Perfect.","start_word":3828,"end_word":3836,"intents":[{"intent":"Confirm availability","confidence_score":0.00016156041}]}]},"sentiments":{"segments":[{"text":"Hello? Good morning, Tony. It's Tommy here from Oakview Financial. How are you doing today?","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.23543164134025577},{"text":"Good, Tommy.","start_word":15,"end_word":16,"sentiment":"positive","sentiment_score":0.3445359170436859},{"text":"How are you?","start_word":17,"end_word":19,"sentiment":"neutral","sentiment_score":0.28746557235717773},{"text":"I'm living the dream. It's a beautiful, cool Easter day still.","start_word":20,"end_word":30,"sentiment":"positive","sentiment_score":0.6482884287834167},{"text":"How about your end? How's WA? Exact exactly the same.","start_word":31,"end_word":40,"sentiment":"neutral","sentiment_score":0.10073505342006683},{"text":"Very, very cool, sunny day. That's what we love to hear. It's the perfect time of year, isn't it?","start_word":41,"end_word":59,"sentiment":"positive","sentiment_score":0.53302401304245},{"text":"Yeah. I think we live in the luckiest two states of all of them, to be honest with you. Yeah. WA and Queensland seem to be sort of brother states a little bit, and I don't think I ever wanna go to New South Wales or Victoria to live. I'd prefer No. to stay here. No. Definitely not. Too cold. Yeah. Absolutely. It's all last time I went to Melbourne, I think it just bounced between, like, summer and winter every six hours. Yeah. Yeah. No. It's yeah. Four seasons in one night. I know. That's what they say. That's what they say. Tony, I've got an annual review pack to send out to you today. Do you still have a bit of time for me? Yeah. Yeah. No. Perfect. Before I start work. Easy done. I'll try and keep it relatively brief, but you do have a few moving parts with the pensions and the super and the insurance. So I wanna make sure I touch on everything today. Usual security process, are you okay for the call to be recorded? Mhmm. Yeah. It's fine. Perfect. And just for the security of your account, so I'm registered with Asic as Adviser 1273105. Are you okay to confirm your date of birth and address, please? 05/04/1964. Perfect. And residential address? 29 Middleton Road in Alexander Heights.","start_word":60,"end_word":285,"sentiment":"neutral","sentiment_score":0.013605205342173576},{"text":"Amazing.","start_word":286,"end_word":286,"sentiment":"positive","sentiment_score":0.3816430568695069},{"text":"So I'm gonna pop this pack through to your Tony Wrightson seven email address. Will you be able to look onto that with me today, or do you want me to just kind of walk through what's there? Yeah. I've got a I'm offline here, so let's have a look. Perfect. So I'm gonna send it through now. Now it's coming through from our new system.","start_word":287,"end_word":352,"sentiment":"neutral","sentiment_score":0.10761700096455488},{"text":"We have a beautiful new system that we custom built for ourselves to better track everyone's advice, and it also has an inbuilt DocuSign function as well.","start_word":353,"end_word":379,"sentiment":"positive","sentiment_score":0.44729799032211304},{"text":"So first time this email comes through, it may go through to your spam box. It may go Yeah. through I got to your it. inbox. Got Oh, instant.","start_word":380,"end_word":408,"sentiment":"neutral","sentiment_score":0.05383504182100296},{"text":"it. Perfect. Love it.","start_word":409,"end_word":412,"sentiment":"positive","sentiment_score":0.6487248539924622},{"text":"So it's got a number of attachments there just Mhmm. like a normal email attachment, and then it has a link to an updated service agreement if you're comfortable to remain a client with us after this review. Yep. Okay. No So worries. what I wanted to do to begin with, if it's okay, is just kind of run through some updated details. But is there anything in particular you would like to get out of this year's review? Mhmm. Okay. What's going on with this wall hat carrying on? All kinds of things. So I might jump into the super performance first if that if you'd prefer. Mhmm. Absolutely. So you're in a split between super and pension, pretty similar portfolios. What we're basically seeing is all of those news announcements, everything every time there's a a closure in the straight, the the stock market takes a bit of a tumble. On top of that, interest rates creeping up because inflation is looking to creep up too. So we're kind of hit between a rock and a hard place in Australia where raising interest rates might cause the economy to tumble. But if they keep them low, inflation is gonna creep up and the cost of living gets out of control. So they've kind of snook it themselves a little bit, unfortunately, Which and is that's already happening. Yep. exactly. So that's causing a bit of jitters for sure, but your portfolio has actually been doing pretty well. It's handled it alright. I think there's only one option in there that's kind of underperformed out of eight. Seven of Oh, them have that's done pretty good.","start_word":413,"end_word":689,"sentiment":"neutral","sentiment_score":-0.07011765241622925},{"text":"fantastic.","start_word":690,"end_word":690,"sentiment":"positive","sentiment_score":0.4764476418495178},{"text":"So Yeah. if I just look at the super, you when we set up your transition pension at the 2024, we left it with $10,000 as a as a baseline and the rest moved into your pension account. Does that ring a bell? Mhmm.","start_word":691,"end_word":734,"sentiment":"neutral","sentiment_score":0.07300678725269708},{"text":"Yes. Perfect. It's built up to 31,000 as of today, both in contributions and returns. Looking at your performance sheet, you've still been positive for the year by a few percent even though the market's been tumbling.","start_word":735,"end_word":771,"sentiment":"positive","sentiment_score":0.4526152014732361},{"text":"Most of your options there, gold, American shares, a few different things are up 27, 34, 11%. You do Oh, wow. have one option that has gone down 21%, which is the Australian Mhmm. shares. Okay. So, overall, it's held pretty well, but Mhmm. I do want to replace that option with a better Australian shares option, but the rest of them seem to be doing exactly what we want them to do. Okay. I you're this is probably the first time I've done one with you. I don't know what's on my file. But, generally, I go, yep, if that's what you think. Yes.","start_word":772,"end_word":876,"sentiment":"neutral","sentiment_score":0.08680972456932068},{"text":"Easy done.","start_word":877,"end_word":878,"sentiment":"positive","sentiment_score":0.3361906409263611},{"text":"So part of this process too is I get you an updated statement of advice just so you've got it in writing, what we're looking to change, the pros and cons, Mhmm. and part of it too is just when it comes to the pension side of things. So your pension account I'm just switching it over from super to pension. Now you're getting fortnightly payments of $260 Yeah. per fortnight coming out of the pension account. I'm assuming It that's been coming through okay to you. has.","start_word":879,"end_word":966,"sentiment":"neutral","sentiment_score":0.09126316010951996},{"text":"Perfect.","start_word":967,"end_word":967,"sentiment":"positive","sentiment_score":0.3835061192512512},{"text":"So I've got your previous statement of advice open, Yes. and I'm just looking through that strategy to update it. Because what we normally do is your contributions go into super, and money comes out of the pension. So each year, we just tend to refresh it, move some more across from the super, refill up the pension account. Mhmm. Yes.","start_word":968,"end_word":1028,"sentiment":"neutral","sentiment_score":0.1741509586572647},{"text":"That way, it's all nice and sort of tax free for you, all that kind of thing.","start_word":1029,"end_word":1045,"sentiment":"positive","sentiment_score":0.535358190536499},{"text":"In terms of the strategy itself, so is the two sixty fortnight Mhmm. coming out still okay in terms of maintaining your your living standards? Oh, not really, but I'll make it work because that's in the best interest of the future, really, isn't it? Yeah. Correct. One of the things that I'm just kind of thinking is I'm having a look at your, like, contribution statements from work. You're still working for Allset property settlements. Is that right? Yeah. Yep. That's correct. Yep.","start_word":1046,"end_word":1129,"sentiment":"neutral","sentiment_score":0.10310759395360948},{"text":"So that's been nice and consistent.","start_word":1130,"end_word":1135,"sentiment":"positive","sentiment_score":0.5756593346595764},{"text":"You're not doing any sort of additional contributions to super or anything like that? No. Perfect. So the the whole point behind part of the strategy is to put in a little bit of salary sacrifice and pull a bit of money out of pension. But Mhmm. how is everything on an income level for you at the moment? Have you had any increases or decreases to your income? No. No. It's still exactly the same. Cool. So 90,000 is still okay? Yeah.","start_word":1136,"end_word":1218,"sentiment":"neutral","sentiment_score":0.027977973222732544},{"text":"Perfect.","start_word":1219,"end_word":1219,"sentiment":"positive","sentiment_score":0.3457929193973541},{"text":"Now when it comes to those contributions in, if nothing is going in for salary sacrifice, do you feel like you need that two six year fortnight on top of your income to kind of get by? No. As I said, I'll make it work because I think moving forward for the future, it needs to be made to Yeah. And one of the cool things about the work. TTR strategy that we've got you in is you Mhmm. basically pull money out, put it back in again for a bit of a tax deduction, and boost up your super that way. Yes. Yes. So are you okay for me to kind of recalculate that a little bit? And in that updated document, I can kind of refresh the figures for you, Yeah. and If that you want will to. Yeah. Yep. that'll You probably do what you involve need to do. What's in my best interest? absolutely. What I'm basically trying to do is just get that super boosting up as much as we can without impacting your take home pay. Mhmm. So what that'll look like is once I calculate that refresh of super back into pension, I'll figure out how much we can pull out, how much we can put back in, and it's just a matter of we'll do everything in the background.","start_word":1220,"end_word":1446,"sentiment":"neutral","sentiment_score":0.14258060699517505},{"text":"You talk to your employer, and that'll start boosting up pretty nicely.","start_word":1447,"end_word":1458,"sentiment":"positive","sentiment_score":0.43028175830841064},{"text":"Okay then. No worries. See if I can put more in. Yeah. So the way it kind of works is because when you put it in, it's taxed at 15%. You can Yeah. put in, say, a $100. It costs you 85, and then we can pull 85 out of your pension account, and you'll still end up on the same pay. Okay. And there'll be a little bit of a tax difference there, That Mhmm. usual kind of difference between the 32 and the 15%, that 17% tax benefit, that goes in and boosts up your super a little bit. Okay. No worries.","start_word":1459,"end_word":1562,"sentiment":"neutral","sentiment_score":0.1674114465713501},{"text":"Perfect.","start_word":1563,"end_word":1563,"sentiment":"positive","sentiment_score":0.4948353767395019},{"text":"I'm just going to double check risk levels because part of everything that's going on, we need to make sure you're not in anything too risky. Now you do have around about 15% in kind of safe assets at the moment, and it's really trying to kind of grow grow and offset what's coming out of the pension account, if that makes sense. Yeah. So when we're looking at your risk level, we technically call it balanced growth, which is kind of like a 3.5 out of five. So it's a little bit more focused on growing, but it's not medium high, high risk. Mhmm. But we're still trying to get you some growth out of the super because if we put it too conservative, it would start to kind of go down, and you're not gonna get it to anywhere comfortable over the next few years. Yes. K? Yes. Not It does mean it's gonna bounce around a little bit between seven to 15% up and down with what's going on in the world, but it'll average out over, say, seven years' time. that. Mhmm. Okay. Now what about the kind of full retirement idea? Are you looking to kind of hang up the boots at 67 when you can have your super plus the age pension in combination? Yeah. No. That's oh, I don't know how start that when the time comes, but probably not because of a still got a mortgage. Yeah. So for the time being, the priority is sort of finish off paying the mortgage, keep boosting up the super a little bit, and then you're probably gonna be fully accessing everything much later sometime between 6770 maybe. Yeah. Probably about then. Yep.","start_word":1564,"end_word":1851,"sentiment":"neutral","sentiment_score":-0.014185653895967536},{"text":"Perfect.","start_word":1852,"end_word":1852,"sentiment":"positive","sentiment_score":0.4575872719287872},{"text":"How has everything gone with the mortgage itself as well? Because I think last check, we had the home valued at 750,000, Well, and that's the up to about 950.","start_word":1853,"end_word":1882,"sentiment":"neutral","sentiment_score":0.13819599151611328},{"text":"amazing. How good is that?","start_word":1883,"end_word":1887,"sentiment":"positive","sentiment_score":0.5319511890411377},{"text":"Yeah. It's One really of the some interesting great things thing. is if you can kind of make that work for you would be nice because having all that equity there kind of doesn't do much from a cash flow standpoint. No. No. But at the same time, if you sell, you've gotta meet somewhere else. So So yeah. Have you considered neither here nor there. downsizing down the line? Is that something that you you're thinking of? No. We've got too many kids between us. Yep. Totally fair. How much is owing on the mortgage now? I think it was $4.25 last check. Yeah. It's that time. Yep. $425,000. So we're gonna try and get that out. Now in terms of the family side of things, do you have any dependents under the age of 18, or are Mhmm. they all No. kind of No. Everyone's grown up. dependent adults, we would say? Yeah. Well, yeah. So I just haven't grown up. They've got old enough. Yeah. Perfect. Perfect. Perfect. Do you have anything else in the way of assets or liabilities we don't already have? We had a little bit of home content in a car and a bit of a motor vehicle loan. That was about it. No. The loan's nearly paid off, though. I probably got another twelve months on that one, Yep. I which think is we had good. it at 15,000. Does that sound about right, or is it below 10 now? I think it's below 10. Yep. Is it okay if I put in about 9,000 for the time Yeah. being?","start_word":1888,"end_word":2155,"sentiment":"neutral","sentiment_score":0.04831292710975924},{"text":"That's fine. Perfect.","start_word":2156,"end_word":2158,"sentiment":"positive","sentiment_score":0.42202693223953247},{"text":"Never gone through a bankruptcy before.","start_word":2159,"end_word":2164,"sentiment":"neutral","sentiment_score":0.1633967161178589},{"text":"That's all good.","start_word":2165,"end_word":2167,"sentiment":"positive","sentiment_score":0.5439874529838562},{"text":"You've never gone through a debt agreement before, have you, like a part nine? I don't even know what that is. Now if you if you've been through it, you would know. And if you haven't, you wouldn't. So that's totally fine. Outside of that, did you end up putting in place, like, a will or a power of attorney? K. Is that something that you still wanna No. do? Oh, we do need to, but, like, I think it's just too argumentative at the moment. So he's got Oh, three kids. I've got two kids. So, yeah, no. it's a conversation I should have that.","start_word":2168,"end_word":2273,"sentiment":"neutral","sentiment_score":-0.07260438799858093},{"text":"I just don't want to.","start_word":2274,"end_word":2278,"sentiment":"negative","sentiment_score":-0.3566053509712219},{"text":"I know. Too hard basket, and it is one of those things that I just see it so often. The, you know, baby boomer generation, people fighting over estates and and all this kind of thing, and having something in writing definitely helps or Yeah. Yeah. let No. them I've got squabble, a couple I guess. of lawyer friends that would help me. So Awesome. So don't need to get yeah. the old post office will kit for $25. You've God, got no. people to go to. God, no. That would be Amazing.","start_word":2279,"end_word":2371,"sentiment":"neutral","sentiment_score":-0.12621647119522095},{"text":"dangerous, and I've seen it in my job.","start_word":2372,"end_word":2379,"sentiment":"negative","sentiment_score":-0.4218955934047699},{"text":"I've seen it.","start_word":2380,"end_word":2382,"sentiment":"neutral","sentiment_score":-0.30158600211143494},{"text":"It's very dangerous.","start_word":2383,"end_word":2385,"sentiment":"negative","sentiment_score":-0.5023508071899414},{"text":"Yes. Absolutely. I'm just having a look at the beneficiaries. You do have Christopher, Gemma, and Jai split Yep. fifty percent twenty five twenty five. Yep. You're still okay to leave Yep. them on there as is? Yep. Leave it by that. Yep. Alrighty. That's okay. The insurance side of things, I have a policy here for you. I'm just gonna bring that up and make sure we don't need to make any changes there. Let's have a look. Neos cover. So I need to be careful with your Neos cover because every November, there's an anniversary, and, unfortunately, tend to spike up quite a lot every year at your age. And I need to make sure it's not eating away super too much. How? So you do have life insurance renewals of 314,000. Mhmm. Now that covers a big chunk of the mortgage. It doesn't cover the full mortgage, but it does cost over $4,000 a year in premiums. And my best guess is that in November Wow. this year, it could be 5,005 and a half thousand at the next anniversary. Okay. Can we get that looked at, please? Yes. So the options are we either cancel it and then you don't have that protection, we reduce it, or we look at another provider and see if we can get it a bit cheaper. Look at another provider and see if we can get it a bit cheaper. Yep. Now I think you would be, I believe, 61 at the moment. Correct? 62. Just. Mhmm. 62. Okay. So I I think '61 is the last year that you can get a new life policy. I will double check because Mhmm. I know MetLife is really good for extending out when the entry age is. So I'll do a quote through them. Do you want me to do a quote for the same amount, or do you wanna look at reducing a little bit? No. 300,000 is pretty good, I reckon. Yeah. Okay. So I'll do the same level for a quote with another provider. If I can't get a replacement provider that's Oh, cheaper, do you wanna leave it until November? Do you wanna then reduce it? What would you like to do if I can't get something with another provider? that night. K. Oh, dear. I didn't realize that we're not quite that much each Yeah. year.","start_word":2386,"end_word":2785,"sentiment":"neutral","sentiment_score":-0.022129299603402618},{"text":"I And mean, that's that's insane.","start_word":2786,"end_word":2791,"sentiment":"negative","sentiment_score":-0.49963825941085815},{"text":"You pay for it all is the ages and then all of a sudden they decide to hurt you, well, you're probably gonna need it nice. yeah. It's a bit Bit of a hockey stick graph. And the most painful thing that I see is I have people come into my office who are in their sixties, and they've wrong. kind of haven't looked at it for ten years. And next thing you know, I've had people paying $20,000 a year for insurances. Wow. Yeah. So I'm very vigilant with it and just going, okay. The investments are going pretty well with Hub. You're paying off your mortgage. We're gonna do a TTR strategy for the contributions.","start_word":2792,"end_word":2908,"sentiment":"neutral","sentiment_score":-0.11934028565883636},{"text":"That's great.","start_word":2909,"end_word":2910,"sentiment":"positive","sentiment_score":0.34139886498451233},{"text":"But fees, we need to keep to a minimum as well. So what I'm gonna do is I'll go through and try and get some quotes and see if I can do anything about another provider, and then I'll get back to you straight away while I'm working on that updated plan. No worries. That would be great. You can let me know I'm disgustingly healthy.","start_word":2911,"end_word":2976,"sentiment":"neutral","sentiment_score":0.03209680691361427},{"text":"Fantastic.","start_word":2977,"end_word":2977,"sentiment":"positive","sentiment_score":0.5040050745010376},{"text":"I will. I'll tell them that exactly. I'm assuming you haven't had any actually, let me check the inception date for your nails just in case because that has a big impact. So this one you've had since 2020. Yes. Now between 2020 and 2026, have you had any major health episodes or anything No. that they wouldn't already know about? No. Perfect. Perfect. So I can kind of use the previous information for the time being and Mhmm. at least just go for the quote and see if I can get anything in the first instance. Okay.","start_word":2978,"end_word":3075,"sentiment":"neutral","sentiment_score":0.04727090522646904},{"text":"That would be great. Thank you.","start_word":3076,"end_word":3081,"sentiment":"positive","sentiment_score":0.3987213373184204},{"text":"Perfect. Perfect. Now besides those few areas that we've just discussed, is there any questions on your end so far? No. That's all good. K. Anything for you guys in terms of goals over the next few years that I haven't already noted down? So do I pay $366 a month in life insurance? Pretty much. It's a yearly premium with a 15% tax rebate that gets supplied when it when the money comes out. So it's not paid monthly, but that would be the equivalent. Yeah. That's a lie lie. Yeah. And when you've got the the sort of balance that you do have, it's a big portion, especially compared to your contributions.","start_word":3082,"end_word":3195,"sentiment":"neutral","sentiment_score":0.08645166750801236},{"text":"So great in 2020.","start_word":3196,"end_word":3199,"sentiment":"positive","sentiment_score":0.574414849281311},{"text":"The more it creeps up, the more it's kind of slowing things down for But all that money I've already you. contributed is just that money now. Yeah. That's the I think the worst part about insurance is everyone says, yep. I love the protection. And the worst case scenario is that you never need it, which is great. But then it's just, again, premiums that have gone off. So my job is to keep an eye on that and make sure we can get you into a good position. And that $3.66 would sit in my super hang on. That whatever amount it is sits in my super for every year that I live. So say I live for another twenty years. And then that's being invested and trying to grow as well. So It's a 100 all of and those 10 amounts thousand. yeah. And believe you may, by the time you get through towards 67, the premiums will be $10. So at some point, the idea is mortgage is paid down, your super is built up, and you don't need the cover anymore. Okay. I might have to give that some thought. Yep. So what I wanna do is I'll go do some research. You Mhmm. give it some thought, and then we'll come back together for another quick catch up just to see which way you would prefer to go, and then I'll build that into the plan and make the updates for you. Mhmm. Okay.","start_word":3200,"end_word":3449,"sentiment":"neutral","sentiment_score":0.056329041719436646},{"text":"That'd be great. Absolutely Fantastic. great. Outside of that, basically, the main thing like, all the goals seem pretty straightforward. Let's get the super growing, pay down the mortgage, keep a lid on costs, and just try and enjoy and get through life. Okay. Sounds perfect. Cool.","start_word":3450,"end_word":3496,"sentiment":"positive","sentiment_score":0.5433526635169983},{"text":"The other documents that are there, so that pack that I've sent you through, that has a financial services guide that's updated license info, complaints procedure, what we can and can't give advice on, Mhmm. and an Oakview services guide, you know, pictures of the team, all the different networks that we're a part of, all that kind of thing. And there's a service agreement there as well. So we still do charge the 1.65% out of the super. And then, obviously, I factor that in to the returns to make sure everything I tell you is after fees. When you get to 600,000, there is a cap, but, basically, that's the percentage to remain advisers on your account. Are you still comfortable for us to be looking after all of this? Yeah. 100%. Cool. Alright. So if you can give that one, let me just have a look at your hub account to see where the services are at. Just loading it up now. So we do have everything kind of expires on the seventeenth of next month. So if you are able to give that one a sign, we'll apply that to the hub account, and then we can continue to look after it and make the changes. I Mhmm. will basically like to give you a call maybe next week about the insurances. Yes. And then the week after, I would like to present you with that updated plan and rebalance your pension and all that kind of thing. To sign off. Yep. Is Okay. that okay? Sounds good. Yep.","start_word":3497,"end_word":3759,"sentiment":"neutral","sentiment_score":0.07375302910804749},{"text":"Sounds perfect.","start_word":3760,"end_word":3761,"sentiment":"positive","sentiment_score":0.5024735331535339},{"text":"Cool. Is it possible to still like, what's a good days and times to reach you just so I can kind of maybe put a tentative into my calendar? Very early in the morning WA time. Yep. So right now, we were looking at 08:00 appointments. It's 10:00 Even in earlier Queensland. if you want. Even earlier as well.","start_word":3762,"end_word":3820,"sentiment":"neutral","sentiment_score":0.12804070115089417},{"text":"Fantastic.","start_word":3821,"end_word":3821,"sentiment":"positive","sentiment_score":0.44643014669418335},{"text":"Mhmm. So any specific days? Yeah. Any day and Monday to Friday is fine.","start_word":3822,"end_word":3835,"sentiment":"neutral","sentiment_score":0.14206348359584808},{"text":"Perfect. So anytime next week early in the morning, I'll give you a buzz and let you know how I've gone. And if you can just give that some thought, that'd be fantastic.","start_word":3836,"end_word":3868,"sentiment":"positive","sentiment_score":0.4964321553707123},{"text":"Okay. No worries at all.","start_word":3869,"end_word":3873,"sentiment":"neutral","sentiment_score":0.2819724678993225},{"text":"Thank Awesome. you Now very much. I do appreciate you taking the time this morning because definitely a few things we can do to help, and that's all part of the process in the service. Okay. Lovely.","start_word":3874,"end_word":3910,"sentiment":"positive","sentiment_score":0.7211744785308838},{"text":"Any questions for me, Tony, before I let you go? No. No. All good.","start_word":3911,"end_word":3924,"sentiment":"neutral","sentiment_score":0.22628621757030487},{"text":"Amazing.","start_word":3925,"end_word":3925,"sentiment":"positive","sentiment_score":0.6268177032470703},{"text":"If you have any questions, please call back in.","start_word":3926,"end_word":3934,"sentiment":"neutral","sentiment_score":0.31013762950897217},{"text":"I hope you enjoy the beautiful weather, and have a fantastic day at work. Yeah. Enjoy it while it lasts.","start_word":3935,"end_word":3954,"sentiment":"positive","sentiment_score":0.6730057597160339},{"text":"It's raining tomorrow.","start_word":3955,"end_word":3957,"sentiment":"neutral","sentiment_score":0.2026543021202087},{"text":"Always the way, Tony. Awesome, mate. I'll talk to you next week.","start_word":3958,"end_word":3969,"sentiment":"positive","sentiment_score":0.4699835479259491},{"text":"K? Okay. No worries.","start_word":3970,"end_word":3973,"sentiment":"neutral","sentiment_score":0.14235800504684448},{"text":"Thanks. Be a call, Tony. Cheers.","start_word":3974,"end_word":3979,"sentiment":"positive","sentiment_score":0.43359705805778503},{"text":"Bye. Bye bye.","start_word":3980,"end_word":3982,"sentiment":"neutral","sentiment_score":0.227669894695282}],"average":{"sentiment":"neutral","sentiment_score":0.07369715684424567}}}}