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I had just sort of rescheduled in for that catch up this morning. Have you got time for me? I've just got a bit of an email pack to send through to you. And just before I get started, I'll just run through a quick security check. I've registered with adviser one two seven three one zero five. Could I please confirm your date of birth and address that we would have on file? And residential address, please? Sensational. Are you okay for the call to be recorded? Perfect. So, Evan, what we sort of spoke about last week is I've got a review pack that I'm sending through to you this morning just with all your updated documentation, service guides with Oakview, product documents, super, and insurance, and some consent forms as well. Now you did mention, obviously, wanting to sort of see how the old new portfolio is going since we did a few changes earlier in the year, and I wanted to quickly talk to you about the insurances as well. Was there anything else on your mind that you wanted me to focus on this morning? Yep. Yeah. I'll I'll just quickly update your assets and liabilities because I had it here listed previously as an investment to move into. It was valued at about $6.50 at the time. Yep. What about the loan $5.70? Yep. That sounds pretty accurate. Cool. Now the the PPR that you were... Had previously, it was a sort of a smaller property. Is that gone now? You still have that? You're renting it out? Alright. So renovating and selling? Beautiful. And I'll switch this one as your primary price of residence. Last couple of things. So we had a car, caravan, motorbike as the sort of three main vehicles. Cool. Did you still have about 55,000 in your offset in terms of savings built up, or have you kind of used a lot of that for the renos? Yep. Beautiful. Any other loans or assets not already listed? Beautiful. Last couple of things I'll check with you. So I've got you listed here currently de facto relationship with two dependents? Beautiful. Are you still at the the steel mill with Liberty Steel Group? Cool. I had a split between your income of, like, a base of $1.20, maybe an income of $1.37. Just wondering what it's like after the old tax return. Beautiful. And just lastly, in terms of surplus cash flow, have you got an amount that you're setting aside to sort of rebuild up the savings each week or fortnight? Yep. Yep. So all cash flow going into finishing the renos and then selling. Cool. Just in terms of goals there, so you finish off that reno, you sell. What's the sort of plan after that? Yeah. Yeah. Yeah. So what I'm kind of looking at with yours, so you're in a pretty high growth fund if you remember your risk profile. So 90% shares property gold, 10% in the safest side of things, and you're pretty much aiming for, like, a benchmark. Like, all the returns are percentage based. So you're kind of aiming for, like, nine or 10% or above after fees is kind of what you're aiming for. Now with the the new inclusion, I mentioned that we had changed one of the investment options in March. Just kind of a low fee option, bit better performance there. That's kind of pushed everything back up towards that kind of eleven, twelve, 13% net returns going forward as well. Now you've had a bit of a a drop recently, obviously, because of the the legislation that came in, the fuel crisis, the Iran war, that kind of thing. So what kind of happens was in October, you just pressed at 03/23. It had dropped down to two seventy four and then back up again to three fifteen. So a little bit flat at the moment just with all the world's kind of exploding, but when the market does go up, you're getting some really big double digit returns. So what I've gotta double check with you is every option that I can see here is kind of doing its thing now. Everything between the gold and the shares and the different sectors and the cybersecurity is doing fantastic. I'm just making sure that you're comfortable with that high growth risk profile. Awesome. Because that's kind of, like, over a seven year period where the market kind of grows for five years, crashes for a couple, grows and crashes. You... That... What you've experienced is kind of what's gonna happen going forward. And because you've built up this big balance now, it's gonna be more pronounced in terms of the dollar value. So what I'm sort of saying is you can go down to $2.70 and then be up to 400,000 all within the span of eighteen months. That's kind of the roller coaster ride of high growth. Cool. We've still got a good sixteen years until your, like, retirement age that you'd put down for about 1,400 income per week after tax. So what that kinda gives us is a good eight to nine years to get huge amounts of growth. And in the last six to eight years, we have to slowly reduce your risk level down. You don't wanna have built up $900 and then lose half of the year before you you go to live on it. Yep. So I can I can sort of keep that one going as is? I honestly don't see anything to change within the portfolio. There was just that one option that we fixed up in March. That was the only one that was a concern at the time. Cool. In terms of contributions, any any kind of updates that we do, am I just factoring in what works putting in? Are you doing any salary sacrifice? Because I know you've got a lot of cash flow priorities at the moment. Yeah. You're gonna do a staggered retirement. Yeah. How many years difference would it be? Yeah. Okay. Cool. So what that basically means is we really need to focus on, obviously, your property and loan side of things, finish building off super. And then when you hit your peak, it's kind of pivoting across to hers a lot more for another decade or two. Cool. Alright. So I won't factor in anything additional there. The one thing that I need to sort of work on with you is just quickly updating estate planning and the insurances is the big issue that I can see. Just before I do that, did you know I'm getting a will in place? Still need to update it? Yep. No. That's fair enough. So still need to get a will by power of attorney. The beneficiary, Chantelle, knee bone, a 100% nonlapsing binding. So just leave that as is. Yep. Humphreys. Perfect. So update that one. So that's gonna reflect on both the life insurance and the super. Correct? Alright. Sort that out. Easy done. And because beneficiaries are are kind of provable after the fact, it's really just a a switch of the form that updates. And then let's say, god forbid, you pass away. She goes, here's my ID. My my name matches. Here's the death certificate, and then it's pretty well done and dusted from that. It's pretty pretty straightforward. Cool. When it comes to those insurances, so what you'll see when you look through the pack is you've got the summary of the super insurances. You've got the neos cover. We've got... When you look through the return pack, you'll see that one option that was in the negatives that we switched out to the one below it that's in the positives. And then when you look at that NEOS certificate of currency, that you... You're paying quite quite an exorbitant amount for insurances at the moment, and it's still in this thing where through your fifties, it's just gonna skyrocket even further. So when you've got... After the tax rebate, there's still 13,000 that comes out of the super for all the covers. So what do I need to look at? You've got 442,000 worth of life and disability insurance, which clears the majority of the mortgage. Little bit little bit left over still. Once the super comes out, that pretty much clears it. And then it's the income protection that I can see here. We still got... We got you listed as smokers' rates. K. Cool. So if we ever can tick with them no nicotine twelve months, they'll pretty much drop the price almost in half. In the meantime, thirty day waiting period, two year benefit period, and it's covering, let's have a look, 5,091 a month worth of income protection. So it's 1,000 a week that you get, and it's protecting an income of 81,000. So if you're off work for six months, does a thousand dollars a week kind of kind of cover it? Yep. One thing I can do is I can look at the waiting period. If you've still got that savings built up, I can see if they can kick it out to sixty or ninety days, and that'll drop the premiums as well. But otherwise, it's just gonna keep going up as it is. Yep. I'll do up an alteration quote for that. Now the occupation probably hasn't changed too much for what I can see. The only question I've got for you is if I look for another provider, they're only gonna offer you 70% income protection, not 75, which we can still ensure you for the exact amount that you've got currently because you're you're under 70%. So I can look at another person to see if they'll offer something cheaper if you want. Yeah. If we're talking a few grand, go for it. If it's a $100,000, it's probably not worth it. Cool. What I needed to ask is in terms of health since 2019, what type of diagnosis, medication, health concerns have you had since 2019 till now? Yep. Yep. Shoulder one Any issues since? Was it just done and done, one surgery, fully recovered type thing? Cool. So what I need to check with the other insurers is sometimes when you get a reconstruction, they do an exclusion of that body part so you can't claim on it, which isn't very fun. If it's fully recovered and there's no pins or metal in the shoulder or anything, they might not exclude it. So I'll do an alteration quote with me. I'll see if I can kick the waiting period out. And then with the other providers, if they won't do an exclusion, I'll see if I can get a cheaper price for the same cover. Perfect. No trauma insurance for heart attack, stroke, and cancer, but that's out of pocket only. And you've got quite a bit for the cash flow to do. So main thing at the moment is I'll see if I can sort the insurance premiums out, and then I'll give you an updated projection in that plan. So if I get some good quotes together, I'll update your plan with all the new projections and everything so you can see kind of how we're tracking. Yep. We should be able to do a bit of a login reset from our end. I'll get that one sorted. And the other thing too, so just with Oakview, our fee structures changed this year. We've added in some tiered discounts for clients above 200,000, which you fall into. So anyone between 200, 500,000, that percentage fee drops from 1.65 down. There's also partner discounts. If your partner does come on board, we drop it further again. And once you're above 500,000, there's another discount. So the consent form I've sent you through is for the new percentage, and that'll kind of remain in place. If we do bring your partner on board, I'll get that applied as well straight away. Cool. Alright. So what I'll do, I'll sort out this plan first, give you all the updated figures. If you're happy with that, then we can touch base with Chantel after that. Awesome, mate. I'll leave that pack with you. If you've got a minute to hop on and sign that, I'll get it applied to the account. And then in a couple of weeks' time, they'll get you booked in with me to run through those updated quotes and figures. No. It's just a sign online if you're comfortable with the old DocuSign. Cool. And now what it is is our own, like, custom built system called Odoo. So basically, you get, like, a blue sign button that brings open all the documents, and you basically just skip through all the ones that don't need a signature where it just says next document so you can look at them. The very last one after the service guide will be the consent form. It'll have a validate button at the end to send the copy to yourself and us, and then it'll let you download a signed copy as well. Four seven. But I've got all that written down. I'll get the... For the beneficiary forms, do you want me to just kind of post them out with a return envelope? Would that be easier than printing and scanning? Cool. Alright. I'll get that posted out as well. I'll just get the team to double check the the life insurance and the super, see if we need to send out one or two forms. When you get that, if you have any trouble filling it in, just give us a buzz. We can walk you through it pretty quick. Awesome, mate. Anything else I can do before I let you go? Awesome. No postal addresses or anything. Just do it all to Farrell Street? Awesome. Evan, mate, thank you so much for taking some time to kind of reschedule with me. Pretty important to update a few things and make sure it's tracking well. Awesome, mate. You have a fantastic week, and I'll talk to you in a couple of weeks' time. You too, Evan. Cheers, mate. 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morning, Evan. It's Tommy here again from Oakview Financial. How are you doing? Mate, living the dream. It's a beautiful rainy day on the Gold Coast.\n\nYour end? Good. Good. I had just sort of rescheduled in for that catch up this morning. Have you got time for me?\n\nI've just got a bit of an email pack to send through to you. And just before I get started, I'll just run through a quick security check. I've registered with adviser one two seven three one zero five. Could I please confirm your date of birth and address that we would have on file? And residential address, please?\n\nSensational. Are you okay for the call to be recorded? Perfect. So, Evan, what we sort of spoke about last week is I've got a review pack that I'm sending through to you this morning just with all your updated documentation, service guides with Oakview, product documents, super, and insurance, and some consent forms as well. Now you did mention, obviously, wanting to sort of see how the old new portfolio is going since we did a few changes earlier in the year, and I wanted to quickly talk to you about the insurances as well.\n\nWas there anything else on your mind that you wanted me to focus on this morning? Yep. Yeah. I'll I'll just quickly update your assets and liabilities because I had it here listed previously as an investment to move into. It was valued at about $6.50 at the time.\n\nYep. What about the loan $5.70? Yep. That sounds pretty accurate. Cool.\n\nNow the the PPR that you were... Had previously, it was a sort of a smaller property. Is that gone now? You still have that? You're renting it out?\n\nAlright. So renovating and selling? Beautiful. And I'll switch this one as your primary price of residence. Last couple of things.\n\nSo we had a car, caravan, motorbike as the sort of three main vehicles. Cool. Did you still have about 55,000 in your offset in terms of savings built up, or have you kind of used a lot of that for the renos? Yep. Beautiful.\n\nAny other loans or assets not already listed? Beautiful. Last couple of things I'll check with you. So I've got you listed here currently de facto relationship with two dependents? Beautiful.\n\nAre you still at the the steel mill with Liberty Steel Group? Cool. I had a split between your income of, like, a base of $1.20, maybe an income of $1.37. Just wondering what it's like after the old tax return. Beautiful.\n\nAnd just lastly, in terms of surplus cash flow, have you got an amount that you're setting aside to sort of rebuild up the savings each week or fortnight? Yep. Yep. So all cash flow going into finishing the renos and then selling. Cool.\n\nJust in terms of goals there, so you finish off that reno, you sell. What's the sort of plan after that? Yeah. Yeah. Yeah.\n\nSo what I'm kind of looking at with yours, so you're in a pretty high growth fund if you remember your risk profile. So 90% shares property gold, 10% in the safest side of things, and you're pretty much aiming for, like, a benchmark. Like, all the returns are percentage based. So you're kind of aiming for, like, nine or 10% or above after fees is kind of what you're aiming for. Now with the the new inclusion, I mentioned that we had changed one of the investment options in March.\n\nJust kind of a low fee option, bit better performance there. That's kind of pushed everything back up towards that kind of eleven, twelve, 13% net returns going forward as well. Now you've had a bit of a a drop recently, obviously, because of the the legislation that came in, the fuel crisis, the Iran war, that kind of thing. So what kind of happens was in October, you just pressed at 03/23. It had dropped down to two seventy four and then back up again to three fifteen.\n\nSo a little bit flat at the moment just with all the world's kind of exploding, but when the market does go up, you're getting some really big double digit returns. So what I've gotta double check with you is every option that I can see here is kind of doing its thing now. Everything between the gold and the shares and the different sectors and the cybersecurity is doing fantastic. I'm just making sure that you're comfortable with that high growth risk profile. Awesome.\n\nBecause that's kind of, like, over a seven year period where the market kind of grows for five years, crashes for a couple, grows and crashes. You... That... What you've experienced is kind of what's gonna happen going forward. And because you've built up this big balance now, it's gonna be more pronounced in terms of the dollar value.\n\nSo what I'm sort of saying is you can go down to $2.70 and then be up to 400,000 all within the span of eighteen months. That's kind of the roller coaster ride of high growth. Cool. We've still got a good sixteen years until your, like, retirement age that you'd put down for about 1,400 income per week after tax. So what that kinda gives us is a good eight to nine years to get huge amounts of growth.\n\nAnd in the last six to eight years, we have to slowly reduce your risk level down. You don't wanna have built up $900 and then lose half of the year before you you go to live on it. Yep. So I can I can sort of keep that one going as is? I honestly don't see anything to change within the portfolio.\n\nThere was just that one option that we fixed up in March. That was the only one that was a concern at the time. Cool. In terms of contributions, any any kind of updates that we do, am I just factoring in what works putting in? Are you doing any salary sacrifice?\n\nBecause I know you've got a lot of cash flow priorities at the moment. Yeah. You're gonna do a staggered retirement. Yeah. How many years difference would it be?\n\nYeah. Okay. Cool. So what that basically means is we really need to focus on, obviously, your property and loan side of things, finish building off super. And then when you hit your peak, it's kind of pivoting across to hers a lot more for another decade or two.\n\nCool. Alright. So I won't factor in anything additional there. The one thing that I need to sort of work on with you is just quickly updating estate planning and the insurances is the big issue that I can see. Just before I do that, did you know I'm getting a will in place?\n\nStill need to update it? Yep. No. That's fair enough. So still need to get a will by power of attorney.\n\nThe beneficiary, Chantelle, knee bone, a 100% nonlapsing binding. So just leave that as is. Yep. Humphreys. Perfect.\n\nSo update that one. So that's gonna reflect on both the life insurance and the super. Correct? Alright. Sort that out.\n\nEasy done. And because beneficiaries are are kind of provable after the fact, it's really just a a switch of the form that updates. And then let's say, god forbid, you pass away. She goes, here's my ID. My my name matches.\n\nHere's the death certificate, and then it's pretty well done and dusted from that. It's pretty pretty straightforward. Cool. When it comes to those insurances, so what you'll see when you look through the pack is you've got the summary of the super insurances. You've got the neos cover.\n\nWe've got... When you look through the return pack, you'll see that one option that was in the negatives that we switched out to the one below it that's in the positives. And then when you look at that NEOS certificate of currency, that you... You're paying quite quite an exorbitant amount for insurances at the moment, and it's still in this thing where through your fifties, it's just gonna skyrocket even further. So when you've got...\n\nAfter the tax rebate, there's still 13,000 that comes out of the super for all the covers. So what do I need to look at? You've got 442,000 worth of life and disability insurance, which clears the majority of the mortgage. Little bit little bit left over still. Once the super comes out, that pretty much clears it.\n\nAnd then it's the income protection that I can see here. We still got... We got you listed as smokers' rates. K. Cool.\n\nSo if we ever can tick with them no nicotine twelve months, they'll pretty much drop the price almost in half. In the meantime, thirty day waiting period, two year benefit period, and it's covering, let's have a look, 5,091 a month worth of income protection. So it's 1,000 a week that you get, and it's protecting an income of 81,000. So if you're off work for six months, does a thousand dollars a week kind of kind of cover it? Yep.\n\nOne thing I can do is I can look at the waiting period. If you've still got that savings built up, I can see if they can kick it out to sixty or ninety days, and that'll drop the premiums as well. But otherwise, it's just gonna keep going up as it is. Yep. I'll do up an alteration quote for that.\n\nNow the occupation probably hasn't changed too much for what I can see. The only question I've got for you is if I look for another provider, they're only gonna offer you 70% income protection, not 75, which we can still ensure you for the exact amount that you've got currently because you're you're under 70%. So I can look at another person to see if they'll offer something cheaper if you want. Yeah. If we're talking a few grand, go for it.\n\nIf it's a $100,000, it's probably not worth it. Cool. What I needed to ask is in terms of health since 2019, what type of diagnosis, medication, health concerns have you had since 2019 till now? Yep. Yep.\n\nShoulder one Any issues since? Was it just done and done, one surgery, fully recovered type thing? Cool. So what I need to check with the other insurers is sometimes when you get a reconstruction, they do an exclusion of that body part so you can't claim on it, which isn't very fun. If it's fully recovered and there's no pins or metal in the shoulder or anything, they might not exclude it.\n\nSo I'll do an alteration quote with me. I'll see if I can kick the waiting period out. And then with the other providers, if they won't do an exclusion, I'll see if I can get a cheaper price for the same cover. Perfect. No trauma insurance for heart attack, stroke, and cancer, but that's out of pocket only.\n\nAnd you've got quite a bit for the cash flow to do. So main thing at the moment is I'll see if I can sort the insurance premiums out, and then I'll give you an updated projection in that plan. So if I get some good quotes together, I'll update your plan with all the new projections and everything so you can see kind of how we're tracking. Yep. We should be able to do a bit of a login reset from our end.\n\nI'll get that one sorted. And the other thing too, so just with Oakview, our fee structures changed this year. We've added in some tiered discounts for clients above 200,000, which you fall into. So anyone between 200, 500,000, that percentage fee drops from 1.65 down. There's also partner discounts.\n\nIf your partner does come on board, we drop it further again. And once you're above 500,000, there's another discount. So the consent form I've sent you through is for the new percentage, and that'll kind of remain in place. If we do bring your partner on board, I'll get that applied as well straight away. Cool.\n\nAlright. So what I'll do, I'll sort out this plan first, give you all the updated figures. If you're happy with that, then we can touch base with Chantel after that. Awesome, mate. I'll leave that pack with you.\n\nIf you've got a minute to hop on and sign that, I'll get it applied to the account. And then in a couple of weeks' time, they'll get you booked in with me to run through those updated quotes and figures. No. It's just a sign online if you're comfortable with the old DocuSign. Cool.\n\nAnd now what it is is our own, like, custom built system called Odoo. So basically, you get, like, a blue sign button that brings open all the documents, and you basically just skip through all the ones that don't need a signature where it just says next document so you can look at them. The very last one after the service guide will be the consent form. It'll have a validate button at the end to send the copy to yourself and us, and then it'll let you download a signed copy as well. Four seven.\n\nBut I've got all that written down. I'll get the... For the beneficiary forms, do you want me to just kind of post them out with a return envelope? Would that be easier than printing and scanning? Cool.\n\nAlright. I'll get that posted out as well. I'll just get the team to double check the the life insurance and the super, see if we need to send out one or two forms. When you get that, if you have any trouble filling it in, just give us a buzz. We can walk you through it pretty quick.\n\nAwesome, mate. Anything else I can do before I let you go? Awesome. No postal addresses or anything. Just do it all to Farrell Street?\n\nAwesome. Evan, mate, thank you so much for taking some time to kind of reschedule with me. Pretty important to update a few things and make sure it's tracking well. Awesome, mate. You have a fantastic week, and I'll talk to you in a couple of weeks' time.\n\nYou too, Evan. Cheers, mate. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Evan.","start":2.0,"end":2.8,"sentiment":"neutral","sentiment_score":0.28530458609263104},{"text":"It's Tommy here again from Oakview Financial.","start":2.8,"end":4.88,"sentiment":"neutral","sentiment_score":0.23113463180405752},{"text":"How are you doing?","start":4.88,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.2706974558532238},{"text":"Mate, living the dream.","start":7.44,"end":8.4,"sentiment":"positive","sentiment_score":0.6104407012462616},{"text":"It's a beautiful rainy day on the Gold Coast.","start":8.4,"end":10.4,"sentiment":"positive","sentiment_score":0.6254212392701043}],"sentiment":"positive","sentiment_score":0.43063703565685835,"num_words":27,"start":2.0,"end":10.4},{"sentences":[{"text":"Your end?","start":10.4,"end":11.139999,"sentiment":"neutral","sentiment_score":0.15001969039440155},{"text":"Good.","start":14.719999,"end":14.96,"sentiment":"positive","sentiment_score":0.3801523447036743},{"text":"Good.","start":14.96,"end":15.405,"sentiment":"neutral","sentiment_score":0.3198105990886688},{"text":"I had just sort of rescheduled in for that catch up this morning.","start":15.804999,"end":19.404999,"sentiment":"neutral","sentiment_score":0.1375936711063752},{"text":"Have you got time for me?","start":19.404999,"end":20.785,"sentiment":"neutral","sentiment_score":0.048601593201359115}],"sentiment":"neutral","sentiment_score":0.13392737426835558,"num_words":23,"start":10.4,"end":20.785},{"sentences":[{"text":"I've just got a bit of an email pack to send through to you.","start":23.724998,"end":26.445,"sentiment":"neutral","sentiment_score":0.06241640475179468},{"text":"And just before I get started, I'll just run through a quick security check.","start":26.445,"end":29.82,"sentiment":"neutral","sentiment_score":0.04199669935873577},{"text":"I've registered with adviser one two seven three one zero five.","start":30.779999,"end":34.4,"sentiment":"neutral","sentiment_score":0.03836150602860884},{"text":"Could I please confirm your date of birth and address that we would have on file?","start":34.46,"end":38.64,"sentiment":"neutral","sentiment_score":0.03476939501706511},{"text":"And residential address, please?","start":44.475002,"end":46.415,"sentiment":"neutral","sentiment_score":0.004305899783503264}],"sentiment":"neutral","sentiment_score":0.04164904988591828,"num_words":59,"start":23.724998,"end":46.415},{"sentences":[{"text":"Sensational.","start":49.435,"end":49.935,"sentiment":"neutral","sentiment_score":-0.0009007905027829112},{"text":"Are you okay for the call to be recorded?","start":50.395,"end":52.095,"sentiment":"neutral","sentiment_score":0.00787368437482251},{"text":"Perfect.","start":53.915,"end":54.395,"sentiment":"positive","sentiment_score":0.42891791462898254},{"text":"So, Evan, what we sort of spoke about last week is I've got a review pack that I'm sending through to you this morning just with all your updated documentation, service guides with Oakview, product documents, super, and insurance, and some consent forms as well.","start":54.395,"end":70.4,"sentiment":"neutral","sentiment_score":0.09008724813659987},{"text":"Now you did mention, obviously, wanting to sort of see how the old new portfolio is going since we did a few changes earlier in the year, and I wanted to quickly talk to you about the insurances as well.","start":70.94,"end":82.814995,"sentiment":"neutral","sentiment_score":0.016701591620221733}],"sentiment":"neutral","sentiment_score":0.05438406369224443,"num_words":96,"start":49.435,"end":82.814995},{"sentences":[{"text":"Was there anything else on your mind that you wanted me to focus on this morning?","start":83.274994,"end":91.12,"sentiment":"neutral","sentiment_score":-0.011314361006952822},{"text":"Yep.","start":93.18,"end":93.68,"sentiment":"neutral","sentiment_score":-0.0007461210479959846},{"text":"Yeah.","start":103.675,"end":104.075005,"sentiment":"neutral","sentiment_score":0.01185348816215992},{"text":"I'll I'll just quickly update your assets and liabilities because I had it here listed previously as an investment to move into.","start":104.075005,"end":109.855,"sentiment":"neutral","sentiment_score":0.016375078311698002},{"text":"It was valued at about $6.50 at the time.","start":110.795,"end":113.64,"sentiment":"neutral","sentiment_score":-0.012541248877015378}],"sentiment":"neutral","sentiment_score":0.0015807770197374784,"num_words":49,"start":83.274994,"end":113.64},{"sentences":[{"text":"Yep.","start":117.7,"end":118.2,"sentiment":"neutral","sentiment_score":0.008984862826764584},{"text":"What about the loan $5.70?","start":119.86,"end":121.96,"sentiment":"neutral","sentiment_score":-0.0033058577217161657},{"text":"Yep.","start":125.3,"end":125.78,"sentiment":"neutral","sentiment_score":0.18040882050991056},{"text":"That sounds pretty accurate.","start":125.78,"end":126.975,"sentiment":"positive","sentiment_score":0.4480282589793205},{"text":"Cool.","start":128.735,"end":129.235,"sentiment":"positive","sentiment_score":0.5282790660858154}],"sentiment":"neutral","sentiment_score":0.20777137472759932,"num_words":12,"start":117.7,"end":129.235},{"sentences":[{"text":"Now the the PPR that you were...","start":129.69499,"end":132.19499,"sentiment":"neutral","sentiment_score":0.04713625008506434},{"text":"Had previously, it was a sort of a smaller property.","start":132.255,"end":135.475,"sentiment":"neutral","sentiment_score":-0.040512720681726934},{"text":"Is that gone now?","start":135.935,"end":136.975,"sentiment":"neutral","sentiment_score":-0.04988582618534565},{"text":"You still have that?","start":136.975,"end":137.69499,"sentiment":"neutral","sentiment_score":-0.0301805236376822},{"text":"You're renting it out?","start":137.69499,"end":138.915,"sentiment":"neutral","sentiment_score":-0.007559646153822541}],"sentiment":"neutral","sentiment_score":-0.014678532418248982,"num_words":29,"start":129.69499,"end":138.915},{"sentences":[{"text":"Alright.","start":144.91,"end":145.23001,"sentiment":"neutral","sentiment_score":0.05298904329538345},{"text":"So renovating and selling?","start":145.23001,"end":146.85,"sentiment":"neutral","sentiment_score":0.05486576538532972},{"text":"Beautiful.","start":149.87001,"end":150.37001,"sentiment":"positive","sentiment_score":0.632095217704773},{"text":"And I'll switch this one as your primary price of residence.","start":150.51001,"end":154.29001,"sentiment":"neutral","sentiment_score":0.30607504736293445},{"text":"Last couple of things.","start":155.86499,"end":156.665,"sentiment":"neutral","sentiment_score":0.05711770989000797}],"sentiment":"neutral","sentiment_score":0.21427827062351362,"num_words":21,"start":144.91,"end":156.665},{"sentences":[{"text":"So we had a car, caravan, motorbike as the sort of three main vehicles.","start":156.665,"end":162.20499,"sentiment":"neutral","sentiment_score":0.06365040809448276},{"text":"Cool.","start":164.025,"end":164.525,"sentiment":"neutral","sentiment_score":0.2567931115627289},{"text":"Did you still have about 55,000 in your offset in terms of savings built up, or have you kind of used a lot of that for the renos?","start":164.825,"end":170.81,"sentiment":"neutral","sentiment_score":0.094202992107187},{"text":"Yep.","start":174.39,"end":174.89,"sentiment":"neutral","sentiment_score":0.1089392751455307},{"text":"Beautiful.","start":174.95001,"end":175.45001,"sentiment":"positive","sentiment_score":0.391291081905365}],"sentiment":"neutral","sentiment_score":0.09524028802083598,"num_words":45,"start":156.665,"end":175.45001},{"sentences":[{"text":"Any other loans or assets not already listed?","start":175.75,"end":178.41,"sentiment":"neutral","sentiment_score":0.10223634820431471},{"text":"Beautiful.","start":180.55,"end":181.05,"sentiment":"neutral","sentiment_score":0.2505186200141907},{"text":"Last couple of things I'll check with you.","start":181.345,"end":182.785,"sentiment":"neutral","sentiment_score":0.022223132429644465},{"text":"So I've got you listed here currently de facto relationship with two dependents?","start":182.785,"end":189.285,"sentiment":"neutral","sentiment_score":0.0012828743873307337},{"text":"Beautiful.","start":190.94499,"end":191.44499,"sentiment":"neutral","sentiment_score":0.1827445924282074}],"sentiment":"neutral","sentiment_score":0.04663278788868939,"num_words":31,"start":175.75,"end":191.44499},{"sentences":[{"text":"Are you still at the the steel mill with Liberty Steel Group?","start":192.145,"end":196.2,"sentiment":"neutral","sentiment_score":0.021451351853708427},{"text":"Cool.","start":198.52,"end":199.02,"sentiment":"neutral","sentiment_score":0.16417384147644043},{"text":"I had a split between your income of, like, a base of $1.20, maybe an income of $1.37.","start":199.16,"end":203.95999,"sentiment":"neutral","sentiment_score":0.044448490565021835},{"text":"Just wondering what it's like after the old tax return.","start":203.95999,"end":206.86,"sentiment":"neutral","sentiment_score":-0.015788256656378508},{"text":"Beautiful.","start":213.33499,"end":213.83499,"sentiment":"positive","sentiment_score":0.4559606909751892}],"sentiment":"neutral","sentiment_score":0.03618430995958902,"num_words":42,"start":192.145,"end":213.83499},{"sentences":[{"text":"And just lastly, in terms of surplus cash flow, have you got an amount that you're setting aside to sort of rebuild up the savings each week or fortnight?","start":214.375,"end":223.39,"sentiment":"neutral","sentiment_score":0.055471973011976684},{"text":"Yep.","start":232.17,"end":232.67,"sentiment":"neutral","sentiment_score":0.026126615703105927},{"text":"Yep.","start":235.13,"end":235.37,"sentiment":"neutral","sentiment_score":0.05077486485242843},{"text":"So all cash flow going into finishing the renos and then selling.","start":235.37,"end":239.535,"sentiment":"neutral","sentiment_score":0.04297598637640476},{"text":"Cool.","start":241.91501,"end":242.41501,"sentiment":"neutral","sentiment_score":0.2706969976425171}],"sentiment":"neutral","sentiment_score":0.056181762092323465,"num_words":44,"start":214.375,"end":242.41501},{"sentences":[{"text":"Just in terms of goals there, so you finish off that reno, you sell.","start":242.55501,"end":246.095,"sentiment":"neutral","sentiment_score":0.14117949083447456},{"text":"What's the sort of plan after that?","start":246.55501,"end":248.815,"sentiment":"neutral","sentiment_score":0.0014724694192409515},{"text":"Yeah.","start":259.48,"end":259.98,"sentiment":"neutral","sentiment_score":0.0704127699136734},{"text":"Yeah.","start":275.575,"end":275.975,"sentiment":"neutral","sentiment_score":0.06370189040899277},{"text":"Yeah.","start":275.975,"end":276.475,"sentiment":"neutral","sentiment_score":0.08930298686027527}],"sentiment":"neutral","sentiment_score":0.092093241866678,"num_words":24,"start":242.55501,"end":276.475},{"sentences":[{"text":"So what I'm kind of looking at with yours, so you're in a pretty high growth fund if you remember your risk profile.","start":276.535,"end":282.91,"sentiment":"neutral","sentiment_score":0.13761176006949466},{"text":"So 90% shares property gold, 10% in the safest side of things, and you're pretty much aiming for, like, a benchmark.","start":284.49,"end":291.71,"sentiment":"neutral","sentiment_score":0.2160994999465488},{"text":"Like, all the returns are percentage based.","start":292.00998,"end":294.285,"sentiment":"neutral","sentiment_score":0.2071935875075204},{"text":"So you're kind of aiming for, like, nine or 10% or above after fees is kind of what you're aiming for.","start":294.365,"end":299.825,"sentiment":"neutral","sentiment_score":0.23903696735699972},{"text":"Now with the the new inclusion, I mentioned that we had changed one of the investment options in March.","start":302.445,"end":308.04,"sentiment":"neutral","sentiment_score":0.21853352024366982}],"sentiment":"neutral","sentiment_score":0.2013783328808271,"num_words":91,"start":276.535,"end":308.04},{"sentences":[{"text":"Just kind of a low fee option, bit better performance there.","start":309.08002,"end":312.36002,"sentiment":"neutral","sentiment_score":0.29109516739845276},{"text":"That's kind of pushed everything back up towards that kind of eleven, twelve, 13% net returns going forward as well.","start":312.36002,"end":320.86002,"sentiment":"neutral","sentiment_score":0.3215687617659569},{"text":"Now you've had a bit of a a drop recently, obviously, because of the the legislation that came in, the fuel crisis, the Iran war, that kind of thing.","start":322.585,"end":331.22498,"sentiment":"neutral","sentiment_score":-0.21919800264054332},{"text":"So what kind of happens was in October, you just pressed at 03/23.","start":331.22498,"end":337.16498,"sentiment":"neutral","sentiment_score":-0.08225909391274819},{"text":"It had dropped down to two seventy four and then back up again to three fifteen.","start":337.39,"end":341.97,"sentiment":"neutral","sentiment_score":-0.06673923647031188}],"sentiment":"neutral","sentiment_score":0.012803190963321857,"num_words":89,"start":309.08002,"end":341.97},{"sentences":[{"text":"So a little bit flat at the moment just with all the world's kind of exploding, but when the market does go up, you're getting some really big double digit returns.","start":343.71002,"end":351.09,"sentiment":"neutral","sentiment_score":-0.11208010188514186},{"text":"So what I've gotta double check with you is every option that I can see here is kind of doing its thing now.","start":353.07,"end":358.88498,"sentiment":"neutral","sentiment_score":0.24177715765393298},{"text":"Everything between the gold and the shares and the different sectors and the cybersecurity is doing fantastic.","start":358.88498,"end":363.705,"sentiment":"positive","sentiment_score":0.5430654322399813},{"text":"I'm just making sure that you're comfortable with that high growth risk profile.","start":364.485,"end":367.77,"sentiment":"neutral","sentiment_score":0.2629355031710405},{"text":"Awesome.","start":372.72998,"end":373.12997,"sentiment":"neutral","sentiment_score":0.09882155805826189}],"sentiment":"neutral","sentiment_score":0.17453514017602978,"num_words":85,"start":343.71002,"end":373.12997},{"sentences":[{"text":"Because that's kind of, like, over a seven year period where the market kind of grows for five years, crashes for a couple, grows and crashes.","start":373.12997,"end":379.71,"sentiment":"neutral","sentiment_score":-0.2844375314620825},{"text":"You...","start":380.655,"end":381.155,"sentiment":"neutral","sentiment_score":-0.04706291854381561},{"text":"That...","start":381.535,"end":381.775,"sentiment":"neutral","sentiment_score":-0.049146413803100586},{"text":"What you've experienced is kind of what's gonna happen going forward.","start":381.775,"end":384.735,"sentiment":"neutral","sentiment_score":-0.1586012847044251},{"text":"And because you've built up this big balance now, it's gonna be more pronounced in terms of the dollar value.","start":384.735,"end":390.835,"sentiment":"neutral","sentiment_score":-0.06830168347805739}],"sentiment":"neutral","sentiment_score":-0.17969886358764212,"num_words":59,"start":373.12997,"end":390.835},{"sentences":[{"text":"So what I'm sort of saying is you can go down to $2.70 and then be up to 400,000 all within the span of eighteen months.","start":391.135,"end":397.80002,"sentiment":"neutral","sentiment_score":0.022906755598691795},{"text":"That's kind of the roller coaster ride of high growth.","start":397.86002,"end":400.52002,"sentiment":"neutral","sentiment_score":-0.003855844703502953},{"text":"Cool.","start":404.58002,"end":405.08002,"sentiment":"positive","sentiment_score":0.34674572944641113},{"text":"We've still got a good sixteen years until your, like, retirement age that you'd put down for about 1,400 income per week after tax.","start":405.38,"end":413.695,"sentiment":"neutral","sentiment_score":0.1503923066581289},{"text":"So what that kinda gives us is a good eight to nine years to get huge amounts of growth.","start":413.995,"end":418.715,"sentiment":"neutral","sentiment_score":0.3082374177480999}],"sentiment":"neutral","sentiment_score":0.1296211153123295,"num_words":80,"start":391.135,"end":418.715},{"sentences":[{"text":"And in the last six to eight years, we have to slowly reduce your risk level down.","start":418.715,"end":422.64,"sentiment":"neutral","sentiment_score":-0.03143956534126226},{"text":"You don't wanna have built up $900 and then lose half of the year before you you go to live on it.","start":423.12003,"end":428.98,"sentiment":"neutral","sentiment_score":-0.1654348779808391},{"text":"Yep.","start":430.40002,"end":430.88,"sentiment":"neutral","sentiment_score":0.08032459020614624},{"text":"So I can I can sort of keep that one going as is?","start":430.88,"end":434.1,"sentiment":"neutral","sentiment_score":0.08967801412710777},{"text":"I honestly don't see anything to change within the portfolio.","start":434.72,"end":437.535,"sentiment":"neutral","sentiment_score":-0.31715697050094604}],"sentiment":"neutral","sentiment_score":-0.09681699773858464,"num_words":63,"start":418.715,"end":437.535},{"sentences":[{"text":"There was just that one option that we fixed up in March.","start":437.535,"end":440.115,"sentiment":"neutral","sentiment_score":-0.1623605272422234},{"text":"That was the only one that was a concern at the time.","start":440.175,"end":442.51498,"sentiment":"neutral","sentiment_score":-0.24775180468956629},{"text":"Cool.","start":444.495,"end":444.995,"sentiment":"neutral","sentiment_score":0.1484963744878769},{"text":"In terms of contributions, any any kind of updates that we do, am I just factoring in what works putting in?","start":445.935,"end":452.69,"sentiment":"neutral","sentiment_score":0.013927778317814781},{"text":"Are you doing any salary sacrifice?","start":452.69,"end":454.38998,"sentiment":"neutral","sentiment_score":-0.14921342581510544}],"sentiment":"neutral","sentiment_score":-0.10337786190211773,"num_words":52,"start":437.535,"end":454.38998},{"sentences":[{"text":"Because I know you've got a lot of cash flow priorities at the moment.","start":454.45,"end":457.27,"sentiment":"neutral","sentiment_score":-0.1599161278988634},{"text":"Yeah.","start":476.29,"end":476.61002,"sentiment":"neutral","sentiment_score":0.01120586134493351},{"text":"You're gonna do a staggered retirement.","start":476.61002,"end":482.79,"sentiment":"neutral","sentiment_score":0.03434381106247505},{"text":"Yeah.","start":489.81,"end":490.21,"sentiment":"neutral","sentiment_score":0.05842061340808869},{"text":"How many years difference would it be?","start":490.21,"end":491.865,"sentiment":"neutral","sentiment_score":0.023578047486288205}],"sentiment":"neutral","sentiment_score":-0.062003107484558534,"num_words":29,"start":454.45,"end":491.865},{"sentences":[{"text":"Yeah.","start":498.185,"end":498.505,"sentiment":"neutral","sentiment_score":0.101959228515625},{"text":"Okay.","start":498.505,"end":498.82498,"sentiment":"neutral","sentiment_score":0.18234728276729584},{"text":"Cool.","start":498.82498,"end":499.22498,"sentiment":"neutral","sentiment_score":0.2708735466003418},{"text":"So what that basically means is we really need to focus on, obviously, your property and loan side of things, finish building off super.","start":499.22498,"end":507.18,"sentiment":"neutral","sentiment_score":0.17941639106720686},{"text":"And then when you hit your peak, it's kind of pivoting across to hers a lot more for another decade or two.","start":507.18,"end":513.52,"sentiment":"neutral","sentiment_score":0.09106279062953862}],"sentiment":"neutral","sentiment_score":0.14009295586420564,"num_words":49,"start":498.185,"end":513.52},{"sentences":[{"text":"Cool.","start":515.58,"end":516.08,"sentiment":"positive","sentiment_score":0.42421239614486694},{"text":"Alright.","start":516.14,"end":516.62,"sentiment":"neutral","sentiment_score":0.2843514084815979},{"text":"So I won't factor in anything additional there.","start":516.62,"end":519.735,"sentiment":"neutral","sentiment_score":0.09999516652897},{"text":"The one thing that I need to sort of work on with you is just quickly updating estate planning and the insurances is the big issue that I can see.","start":520.77496,"end":528.39496,"sentiment":"neutral","sentiment_score":0.00947680746515592},{"text":"Just before I do that, did you know I'm getting a will in place?","start":529.575,"end":532.05,"sentiment":"neutral","sentiment_score":-0.015048111323267221}],"sentiment":"neutral","sentiment_score":0.029299181523836322,"num_words":54,"start":515.58,"end":532.05},{"sentences":[{"text":"Still need to update it?","start":535.17,"end":536.47,"sentiment":"neutral","sentiment_score":-0.054246845096349715},{"text":"Yep.","start":539.25,"end":539.75,"sentiment":"neutral","sentiment_score":0.005203831475228071},{"text":"No.","start":540.45,"end":540.69,"sentiment":"neutral","sentiment_score":-0.03346094489097595},{"text":"That's fair enough.","start":540.69,"end":541.75,"sentiment":"neutral","sentiment_score":-0.029264960438013077},{"text":"So still need to get a will by power of attorney.","start":543.57,"end":545.83,"sentiment":"neutral","sentiment_score":-0.01754577322439714}],"sentiment":"neutral","sentiment_score":-0.027632844079995438,"num_words":21,"start":535.17,"end":545.83},{"sentences":[{"text":"The beneficiary, Chantelle, knee bone, a 100% nonlapsing binding.","start":557.625,"end":564.61,"sentiment":"neutral","sentiment_score":0.011408908085690605},{"text":"So just leave that as is.","start":564.61,"end":565.99,"sentiment":"neutral","sentiment_score":-0.0008990364149212837},{"text":"Yep.","start":572.69,"end":573.19,"sentiment":"neutral","sentiment_score":0.026154611259698868},{"text":"Humphreys.","start":573.49,"end":573.99,"sentiment":"neutral","sentiment_score":-0.00015669316053390503},{"text":"Perfect.","start":575.71497,"end":576.21497,"sentiment":"positive","sentiment_score":0.4117994010448456}],"sentiment":"neutral","sentiment_score":0.029726848523649905,"num_words":18,"start":557.625,"end":576.21497},{"sentences":[{"text":"So update that one.","start":577.71497,"end":578.75494,"sentiment":"neutral","sentiment_score":0.2505716495215893},{"text":"So that's gonna reflect on both the life insurance and the super.","start":578.75494,"end":582.435,"sentiment":"neutral","sentiment_score":0.1865431802968184},{"text":"Correct?","start":582.435,"end":582.935,"sentiment":"neutral","sentiment_score":0.1127387136220932},{"text":"Alright.","start":584.595,"end":585.095,"sentiment":"neutral","sentiment_score":0.13446979224681854},{"text":"Sort that out.","start":585.875,"end":586.74,"sentiment":"neutral","sentiment_score":0.08801016459862392}],"sentiment":"neutral","sentiment_score":0.17866875053871245,"num_words":21,"start":577.71497,"end":586.74},{"sentences":[{"text":"Easy done.","start":589.77997,"end":590.6,"sentiment":"positive","sentiment_score":0.6520463228225708},{"text":"And because beneficiaries are are kind of provable after the fact, it's really just a a switch of the form that updates.","start":590.98,"end":599.0,"sentiment":"neutral","sentiment_score":0.15900619598952206},{"text":"And then let's say, god forbid, you pass away.","start":599.16504,"end":601.48505,"sentiment":"neutral","sentiment_score":-0.055003448492950864},{"text":"She goes, here's my ID.","start":601.48505,"end":602.945,"sentiment":"neutral","sentiment_score":0.09397828131914139},{"text":"My my name matches.","start":603.245,"end":604.205,"sentiment":"neutral","sentiment_score":0.13746340945363045}],"sentiment":"neutral","sentiment_score":0.12683197536638804,"num_words":42,"start":589.77997,"end":604.205},{"sentences":[{"text":"Here's the death certificate, and then it's pretty well done and dusted from that.","start":604.205,"end":607.405,"sentiment":"positive","sentiment_score":0.35118173382111956},{"text":"It's pretty pretty straightforward.","start":607.405,"end":608.78503,"sentiment":"positive","sentiment_score":0.3954566717147827},{"text":"Cool.","start":611.005,"end":611.37,"sentiment":"positive","sentiment_score":0.4235919117927551},{"text":"When it comes to those insurances, so what you'll see when you look through the pack is you've got the summary of the super insurances.","start":611.61,"end":616.99,"sentiment":"neutral","sentiment_score":0.08227595031261443},{"text":"You've got the neos cover.","start":617.37,"end":618.83,"sentiment":"neutral","sentiment_score":0.03949002660810948}],"sentiment":"neutral","sentiment_score":0.18727166863272385,"num_words":49,"start":604.205,"end":618.83},{"sentences":[{"text":"We've got...","start":620.49,"end":621.31,"sentiment":"neutral","sentiment_score":0.010921018198132515},{"text":"When you look through the return pack, you'll see that one option that was in the negatives that we switched out to the one below it that's in the positives.","start":621.45,"end":628.515,"sentiment":"neutral","sentiment_score":-0.029525700172719858},{"text":"And then when you look at that NEOS certificate of currency, that you...","start":628.73505,"end":632.41504,"sentiment":"neutral","sentiment_score":-0.010709659984478584},{"text":"You're paying quite quite an exorbitant amount for insurances at the moment, and it's still in this thing where through your fifties, it's just gonna skyrocket even further.","start":632.41504,"end":641.75,"sentiment":"negative","sentiment_score":-0.4188314399548939},{"text":"So when you've got...","start":642.85004,"end":643.99,"sentiment":"neutral","sentiment_score":-0.006215554429218173}],"sentiment":"neutral","sentiment_score":-0.16565320889659033,"num_words":77,"start":620.49,"end":643.99},{"sentences":[{"text":"After the tax rebate, there's still 13,000 that comes out of the super for all the covers.","start":644.05005,"end":649.27,"sentiment":"neutral","sentiment_score":-0.02584727995974176},{"text":"So what do I need to look at?","start":651.25,"end":652.61005,"sentiment":"neutral","sentiment_score":-0.008455658215098083},{"text":"You've got 442,000 worth of life and disability insurance, which clears the majority of the mortgage.","start":652.61005,"end":661.015,"sentiment":"neutral","sentiment_score":0.020729434036184102},{"text":"Little bit little bit left over still.","start":661.555,"end":663.895,"sentiment":"neutral","sentiment_score":0.011816687083670072},{"text":"Once the super comes out, that pretty much clears it.","start":664.355,"end":667.22,"sentiment":"neutral","sentiment_score":0.07314481101930141}],"sentiment":"neutral","sentiment_score":0.011013566195194063,"num_words":58,"start":644.05005,"end":667.22},{"sentences":[{"text":"And then it's the income protection that I can see here.","start":667.44,"end":671.22,"sentiment":"neutral","sentiment_score":0.01050292683595961},{"text":"We still got...","start":671.68,"end":672.39996,"sentiment":"neutral","sentiment_score":-0.011462354101240635},{"text":"We got you listed as smokers' rates.","start":672.39996,"end":674.18,"sentiment":"neutral","sentiment_score":-0.018474758735724857},{"text":"K.","start":676.24,"end":676.48,"sentiment":"neutral","sentiment_score":0.07761277258396149},{"text":"Cool.","start":676.48,"end":676.88,"sentiment":"neutral","sentiment_score":0.18144041299819944}],"sentiment":"neutral","sentiment_score":0.009168478579300901,"num_words":23,"start":667.44,"end":676.88},{"sentences":[{"text":"So if we ever can tick with them no nicotine twelve months, they'll pretty much drop the price almost in half.","start":676.88,"end":683.955,"sentiment":"neutral","sentiment_score":0.14991150619018645},{"text":"In the meantime, thirty day waiting period, two year benefit period, and it's covering, let's have a look, 5,091 a month worth of income protection.","start":685.85504,"end":696.6,"sentiment":"neutral","sentiment_score":0.10302844673395156},{"text":"So it's 1,000 a week that you get, and it's protecting an income of 81,000.","start":696.6,"end":703.88,"sentiment":"neutral","sentiment_score":0.13825299590826035},{"text":"So if you're off work for six months, does a thousand dollars a week kind of kind of cover it?","start":703.88,"end":710.555,"sentiment":"neutral","sentiment_score":-0.0717655073851347},{"text":"Yep.","start":710.77496,"end":711.27496,"sentiment":"neutral","sentiment_score":-0.018252404406666756}],"sentiment":"neutral","sentiment_score":0.07736689249825913,"num_words":82,"start":676.88,"end":711.27496},{"sentences":[{"text":"One thing I can do is I can look at the waiting period.","start":712.375,"end":716.63495,"sentiment":"neutral","sentiment_score":0.01365601414671311},{"text":"If you've still got that savings built up, I can see if they can kick it out to sixty or ninety days, and that'll drop the premiums as well.","start":716.855,"end":724.27997,"sentiment":"neutral","sentiment_score":0.03177172716321616},{"text":"But otherwise, it's just gonna keep going up as it is.","start":724.81995,"end":727.8,"sentiment":"neutral","sentiment_score":-0.1356996934522282},{"text":"Yep.","start":734.66,"end":735.16,"sentiment":"neutral","sentiment_score":-0.02402532659471035},{"text":"I'll do up an alteration quote for that.","start":736.055,"end":738.555,"sentiment":"neutral","sentiment_score":-0.019878236576914787}],"sentiment":"neutral","sentiment_score":-0.009303864121677415,"num_words":62,"start":712.375,"end":738.555},{"sentences":[{"text":"Now the occupation probably hasn't changed too much for what I can see.","start":738.695,"end":745.275,"sentiment":"neutral","sentiment_score":-0.07375004457739684},{"text":"The only question I've got for you is if I look for another provider, they're only gonna offer you 70% income protection, not 75, which we can still ensure you for the exact amount that you've got currently because you're you're under 70%.","start":745.335,"end":758.74,"sentiment":"neutral","sentiment_score":-0.01301552914083004},{"text":"So I can look at another person to see if they'll offer something cheaper if you want.","start":758.8,"end":768.40497,"sentiment":"neutral","sentiment_score":-0.04376183570746113},{"text":"Yeah.","start":768.545,"end":768.785,"sentiment":"neutral","sentiment_score":-0.1243426650762558},{"text":"If we're talking a few grand, go for it.","start":768.785,"end":771.185,"sentiment":"neutral","sentiment_score":-0.2903609308931563}],"sentiment":"neutral","sentiment_score":-0.060240488948233153,"num_words":83,"start":738.695,"end":771.185},{"sentences":[{"text":"If it's a $100,000, it's probably not worth it.","start":771.185,"end":773.685,"sentiment":"negative","sentiment_score":-0.47657381494839984},{"text":"Cool.","start":776.705,"end":777.15,"sentiment":"neutral","sentiment_score":-0.004897516220808029},{"text":"What I needed to ask is in terms of health since 2019, what type of diagnosis, medication, health concerns have you had since 2019 till now?","start":777.79004,"end":789.09,"sentiment":"neutral","sentiment_score":-0.027815536524240788},{"text":"Yep.","start":800.285,"end":800.605,"sentiment":"neutral","sentiment_score":-0.0027255534660071135},{"text":"Yep.","start":800.605,"end":801.105,"sentiment":"neutral","sentiment_score":-0.0018637522589415312}],"sentiment":"neutral","sentiment_score":-0.13215408173977936,"num_words":38,"start":771.185,"end":801.105},{"sentences":[{"text":"Shoulder one Any issues since?","start":801.96497,"end":816.755,"sentiment":"neutral","sentiment_score":-0.021583215892314912},{"text":"Was it just done and done, one surgery, fully recovered type thing?","start":816.755,"end":821.335,"sentiment":"neutral","sentiment_score":-0.018832899474849302},{"text":"Cool.","start":822.835,"end":823.155,"sentiment":"neutral","sentiment_score":0.22738425433635712},{"text":"So what I need to check with the other insurers is sometimes when you get a reconstruction, they do an exclusion of that body part so you can't claim on it, which isn't very fun.","start":823.155,"end":832.72,"sentiment":"neutral","sentiment_score":-0.10074041320809296},{"text":"If it's fully recovered and there's no pins or metal in the shoulder or anything, they might not exclude it.","start":832.93994,"end":839.5,"sentiment":"neutral","sentiment_score":0.04947266960516572}],"sentiment":"neutral","sentiment_score":-0.03620531080826504,"num_words":73,"start":801.96497,"end":839.5},{"sentences":[{"text":"So I'll do an alteration quote with me.","start":839.5,"end":841.18,"sentiment":"neutral","sentiment_score":0.064992839936167},{"text":"I'll see if I can kick the waiting period out.","start":841.18,"end":843.27997,"sentiment":"neutral","sentiment_score":0.046770718321204184},{"text":"And then with the other providers, if they won't do an exclusion, I'll see if I can get a cheaper price for the same cover.","start":843.33997,"end":850.47504,"sentiment":"neutral","sentiment_score":0.0641851256787777},{"text":"Perfect.","start":852.455,"end":852.955,"sentiment":"positive","sentiment_score":0.6384838819503784},{"text":"No trauma insurance for heart attack, stroke, and cancer, but that's out of pocket only.","start":853.175,"end":857.03503,"sentiment":"neutral","sentiment_score":0.27593026955922445}],"sentiment":"neutral","sentiment_score":0.12491044016965365,"num_words":59,"start":839.5,"end":857.03503},{"sentences":[{"text":"And you've got quite a bit for the cash flow to do.","start":857.66,"end":860.3,"sentiment":"neutral","sentiment_score":0.1442798413336277},{"text":"So main thing at the moment is I'll see if I can sort the insurance premiums out, and then I'll give you an updated projection in that plan.","start":860.3,"end":867.44,"sentiment":"neutral","sentiment_score":0.14110711669283255},{"text":"So if I get some good quotes together, I'll update your plan with all the new projections and everything so you can see kind of how we're tracking.","start":867.5,"end":870.63995,"sentiment":"neutral","sentiment_score":0.22094331947820528},{"text":"Yep.","start":894.52997,"end":895.02997,"sentiment":"neutral","sentiment_score":0.14882692694664},{"text":"We should be able to do a bit of a login reset from our end.","start":895.49,"end":898.395,"sentiment":"neutral","sentiment_score":0.17683480431636175}],"sentiment":"neutral","sentiment_score":0.1746442773867221,"num_words":84,"start":857.66,"end":898.395},{"sentences":[{"text":"I'll get that one sorted.","start":899.755,"end":901.055,"sentiment":"neutral","sentiment_score":0.1478981077671051},{"text":"And the other thing too, so just with Oakview, our fee structures changed this year.","start":901.275,"end":906.715,"sentiment":"neutral","sentiment_score":0.05957212671637535},{"text":"We've added in some tiered discounts for clients above 200,000, which you fall into.","start":906.715,"end":911.695,"sentiment":"neutral","sentiment_score":0.07710055554551738},{"text":"So anyone between 200, 500,000, that percentage fee drops from 1.65 down.","start":912.11,"end":918.29,"sentiment":"neutral","sentiment_score":0.08143520914018154},{"text":"There's also partner discounts.","start":919.14996,"end":920.67,"sentiment":"neutral","sentiment_score":0.06645839661359787}],"sentiment":"neutral","sentiment_score":0.07911072626709938,"num_words":50,"start":899.755,"end":920.67},{"sentences":[{"text":"If your partner does come on board, we drop it further again.","start":920.67,"end":923.64996,"sentiment":"neutral","sentiment_score":0.05787034177531799},{"text":"And once you're above 500,000, there's another discount.","start":924.315,"end":927.03503,"sentiment":"neutral","sentiment_score":0.07508725533261895},{"text":"So the consent form I've sent you through is for the new percentage, and that'll kind of remain in place.","start":927.03503,"end":935.135,"sentiment":"neutral","sentiment_score":0.1089746430516243},{"text":"If we do bring your partner on board, I'll get that applied as well straight away.","start":935.195,"end":940.20996,"sentiment":"neutral","sentiment_score":0.14910424454137683},{"text":"Cool.","start":942.35,"end":942.82996,"sentiment":"positive","sentiment_score":0.49049073457717896}],"sentiment":"neutral","sentiment_score":0.11141743249537651,"num_words":57,"start":920.67,"end":942.82996},{"sentences":[{"text":"Alright.","start":942.82996,"end":943.14996,"sentiment":"neutral","sentiment_score":0.28248995542526245},{"text":"So what I'll do, I'll sort out this plan first, give you all the updated figures.","start":943.14996,"end":947.63,"sentiment":"neutral","sentiment_score":0.15927462466061115},{"text":"If you're happy with that, then we can touch base with Chantel after that.","start":947.63,"end":952.20996,"sentiment":"positive","sentiment_score":0.43852706466402325},{"text":"Awesome, mate.","start":954.125,"end":954.52496,"sentiment":"positive","sentiment_score":0.8160333037376404},{"text":"I'll leave that pack with you.","start":954.52496,"end":955.725,"sentiment":"positive","sentiment_score":0.48842381437619525}],"sentiment":"positive","sentiment_score":0.3469967268980466,"num_words":39,"start":942.82996,"end":955.725},{"sentences":[{"text":"If you've got a minute to hop on and sign that, I'll get it applied to the account.","start":955.725,"end":959.665,"sentiment":"neutral","sentiment_score":0.3183932469950782},{"text":"And then in a couple of weeks' time, they'll get you booked in with me to run through those updated quotes and 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look at them.","start":979.94,"end":988.985,"sentiment":"neutral","sentiment_score":0.12285401672124863},{"text":"The very last one after the service guide will be the consent form.","start":990.085,"end":993.945,"sentiment":"neutral","sentiment_score":0.10120542977864926},{"text":"It'll have a validate button at the end to send the copy to yourself and us, and then it'll let you download a signed copy as well.","start":994.085,"end":1001.75,"sentiment":"neutral","sentiment_score":0.15291609753061225},{"text":"Four seven.","start":1005.33,"end":1006.23,"sentiment":"neutral","sentiment_score":0.04130060225725174}],"sentiment":"neutral","sentiment_score":0.1310094159442125,"num_words":97,"start":975.54004,"end":1006.23},{"sentences":[{"text":"But I've got all that written down.","start":1006.29,"end":1008.23,"sentiment":"neutral","sentiment_score":0.032510223399315565},{"text":"I'll get the...","start":1008.45,"end":1009.33,"sentiment":"neutral","sentiment_score":0.016288323638339836},{"text":"For the beneficiary forms, do you want me to just kind of post them out with a return envelope?","start":1009.33,"end":1013.285,"sentiment":"neutral","sentiment_score":0.0408461104686323},{"text":"Would that be easier than printing and scanning?","start":1013.285,"end":1015.545,"sentiment":"neutral","sentiment_score":0.0657510464079678},{"text":"Cool.","start":1017.685,"end":1018.165,"sentiment":"neutral","sentiment_score":0.2785254120826721}],"sentiment":"neutral","sentiment_score":0.048869642551596225,"num_words":38,"start":1006.29,"end":1018.165},{"sentences":[{"text":"Alright.","start":1018.165,"end":1018.565,"sentiment":"neutral","sentiment_score":0.2254738062620163},{"text":"I'll get that posted out as well.","start":1018.565,"end":1019.765,"sentiment":"neutral","sentiment_score":0.2695344665220806},{"text":"I'll just get the team to double check the the life insurance and the super, see if we need to send out one or two forms.","start":1019.765,"end":1025.465,"sentiment":"neutral","sentiment_score":0.1731178671694719},{"text":"When you get that, if you have any trouble filling it in, just give us a buzz.","start":1025.65,"end":1029.49,"sentiment":"neutral","sentiment_score":0.11915345731026986},{"text":"We can walk you through it pretty quick.","start":1029.49,"end":1031.11,"sentiment":"neutral","sentiment_score":0.32744646817445755}],"sentiment":"neutral","sentiment_score":0.19082135827106944,"num_words":59,"start":1018.165,"end":1031.11},{"sentences":[{"text":"Awesome, mate.","start":1032.9299,"end":1033.83,"sentiment":"positive","sentiment_score":0.5502335429191589},{"text":"Anything else I can do before I let you go?","start":1033.89,"end":1035.99,"sentiment":"neutral","sentiment_score":0.1652464158833027},{"text":"Awesome.","start":1038.9049,"end":1038.985,"sentiment":"neutral","sentiment_score":0.21980583667755127},{"text":"No postal addresses or anything.","start":1038.985,"end":1040.4249,"sentiment":"neutral","sentiment_score":-0.0019455332309007644},{"text":"Just do it all to Farrell Street?","start":1040.4249,"end":1041.885,"sentiment":"neutral","sentiment_score":0.036158331270728795}],"sentiment":"neutral","sentiment_score":0.12864470936357975,"num_words":25,"start":1032.9299,"end":1041.885},{"sentences":[{"text":"Awesome.","start":1044.105,"end":1044.605,"sentiment":"neutral","sentiment_score":0.044782623648643494},{"text":"Evan, mate, thank you so much for taking some time to kind of reschedule with me.","start":1044.825,"end":1048.765,"sentiment":"positive","sentiment_score":0.6426128912717104},{"text":"Pretty important to update a few things and make sure it's tracking well.","start":1049.385,"end":1052.46,"sentiment":"neutral","sentiment_score":0.30561161041259766},{"text":"Awesome, mate.","start":1055.1799,"end":1055.74,"sentiment":"positive","sentiment_score":0.8144622147083282},{"text":"You have a fantastic week, and I'll talk to you in a couple of weeks' time.","start":1055.74,"end":1059.2799,"sentiment":"positive","sentiment_score":0.7067329082638025}],"sentiment":"positive","sentiment_score":0.5674206412707766,"num_words":48,"start":1044.105,"end":1059.2799},{"sentences":[{"text":"You too, Evan.","start":1061.82,"end":1062.5399,"sentiment":"positive","sentiment_score":0.5979084769884745},{"text":"Cheers, mate.","start":1062.5399,"end":1063.1799,"sentiment":"positive","sentiment_score":0.6613578200340271},{"text":"Bye.","start":1063.1799,"end":1063.6799,"sentiment":"positive","sentiment_score":0.3950158953666687}],"sentiment":"positive","sentiment_score":0.5852428277333578,"num_words":6,"start":1061.82,"end":1063.6799}]}}]},{"alternatives":[{"transcript":"Hello? You all good. Yourself? Oh, alright. Sunny, bit cold, but not too bad. Yep. Fifty eight nineteen seventy five. What is that email? 9095 Farrell. Yeah. That's cool. Yep. Yep. Yep. Yep. Not really. We have... We've moved back to 95 Farrell. We've put an extension onto the house. It's worth more than what it was originally. So I don't know if that needs to be looked at or anything. Yeah. Well, that's that's what it's... It's at $6.60. Yes. Yeah. Something like that. Yep. We're just finishing some rentals on it, and then I settled on that. Yeah. Yep. Yeah. No. I've been using a bit of that. It's probably about 20. No. I don't really. Yep. Yep. Yes. It's about... Yeah. It's around $1.20. Yeah. We have got a we have got a plan there, which... The plan is focused on sell this sell this house and go jump back on that. Yeah. Yep. Yep. There were... We we sort of... I reached out with Super because my partner, she's interested to see the trajectory of my Super and whether whether it's worth coming over as well. You know what I mean? So I think the plan was... Because obviously, we've done some research into pumping in the motor too. So we're probably better off pumping in the herher too. You know what I mean? So... Yes. Yes. Yes. Yeah. I think so. I know that's the one I got. Yep. Yep. Yep. Yeah. Yep. Yes. Oh, yeah. Yeah. Yeah. That's good. I expect... Expected that. Yeah. Yeah. Yeah. That's right. Yep. Yep. Yep. Yep. Yeah. No. We we said that's what we sort of sat down the other day and talked about. We sort of did... Did some projections with salary sacrifice and that and it really isn't that big a difference. But that's where I'm thinking we're gonna pop into our homes because I don't know what's on our first anyway. You know, I feel that we're we're gonna be re... Yeah. Reasively well. And then, you know, if we can pump hers up where she can retire, but early knowing that her money is gonna be good when she can access it. She's 38, so she got a bit to do it. Yes. Yeah. Yeah. Pretty much. Yep. We haven't. No. No. We've been really hot. Yeah. Yeah. We still need to get one, really. She's got... No. No. No. Currently, she's on on my super as benefactor or whatever you wanna... 100 percent. Yep. Shoot. Yeah. Last time I spoke to someone, I said her name is it Nemo and it's Humphreys. They said they were gonna they were gonna change that. Yep. Yes. Yep. Yeah. That's good. Yep. Yep. Yep. K. You're right. Yes. Yes. Yeah. Yeah. Right. Right. It probably could probably could push it out to to the noisy days. You know what I mean? Yep. I guess if it's substantial with Gmail, yeah, it's it's not much difference. Not not a lot, really. I'm... I had shoulder surgery, but that's that's because I'm damaged at playing sport, but I don't know. I've been I've been healthy. Yeah. Would've been around... Oh, probably 2021, I reckon. Yep. Yep. Pretty much. Okay. Yep. Yeah. Yep. Yep. Awesome. I used to be able to log in, but I can't I can't seem to log in now. So if you can send me details on how to, you know, what what website to go to and passwords and that sort of stuff, that'd be ideal. Yep. Yep. Yep. Yep. Awesome. Yep. Yep. I need to print that to the side. Yeah? Yep. No. Easy. Yep. Yeah. Yeah. No no worries. Yep. Yep. Yep. Yep. Yeah. Probably. Yep. No. I think that's about it, mate. Anything else? Yep. Yep. Yeah. Yeah. No. Awesome. That's good. Awesome. Thank you very much for that. See you, 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You all good. Yourself? Oh, alright. Sunny, bit cold, but not too bad.\n\nYep. Fifty eight nineteen seventy five. What is that email? 9095 Farrell. Yeah.\n\nThat's cool. Yep. Yep. Yep. Yep.\n\nNot really. We have... We've moved back to 95 Farrell. We've put an extension onto the house. It's worth more than what it was originally.\n\nSo I don't know if that needs to be looked at or anything. Yeah. Well, that's that's what it's... It's at $6.60. Yes.\n\nYeah. Something like that. Yep. We're just finishing some rentals on it, and then I settled on that. Yeah.\n\nYep. Yeah. No. I've been using a bit of that. It's probably about 20.\n\nNo. I don't really. Yep. Yep. Yes.\n\nIt's about... Yeah. It's around $1.20. Yeah. We have got a we have got a plan there, which...\n\nThe plan is focused on sell this sell this house and go jump back on that. Yeah. Yep. Yep. There were...\n\nWe we sort of... I reached out with Super because my partner, she's interested to see the trajectory of my Super and whether whether it's worth coming over as well. You know what I mean? So I think the plan was... Because obviously, we've done some research into pumping in the motor too.\n\nSo we're probably better off pumping in the herher too. You know what I mean? So... Yes. Yes.\n\nYes. Yeah. I think so. I know that's the one I got. Yep.\n\nYep. Yep. Yeah. Yep. Yes.\n\nOh, yeah. Yeah. Yeah. That's good. I expect...\n\nExpected that. Yeah. Yeah. Yeah. That's right.\n\nYep. Yep. Yep. Yep. Yeah.\n\nNo. We we said that's what we sort of sat down the other day and talked about. We sort of did... Did some projections with salary sacrifice and that and it really isn't that big a difference. But that's where I'm thinking we're gonna pop into our homes because I don't know what's on our first anyway.\n\nYou know, I feel that we're we're gonna be re... Yeah. Reasively well. And then, you know, if we can pump hers up where she can retire, but early knowing that her money is gonna be good when she can access it. She's 38, so she got a bit to do it.\n\nYes. Yeah. Yeah. Pretty much. Yep.\n\nWe haven't. No. No. We've been really hot. Yeah.\n\nYeah. We still need to get one, really. She's got... No. No.\n\nNo. Currently, she's on on my super as benefactor or whatever you wanna... 100 percent. Yep. Shoot.\n\nYeah. Last time I spoke to someone, I said her name is it Nemo and it's Humphreys. They said they were gonna they were gonna change that. Yep. Yes.\n\nYep. Yeah. That's good. Yep. Yep.\n\nYep. K. You're right. Yes. Yes.\n\nYeah. Yeah. Right. Right. It probably could probably could push it out to to the noisy days.\n\nYou know what I mean? Yep. I guess if it's substantial with Gmail, yeah, it's it's not much difference. Not not a lot, really. I'm...\n\nI had shoulder surgery, but that's that's because I'm damaged at playing sport, but I don't know. I've been I've been healthy. Yeah. Would've been around... Oh, probably 2021, I reckon.\n\nYep. Yep. Pretty much. Okay. Yep.\n\nYeah. Yep. Yep. Awesome. I used to be able to log in, but I can't I can't seem to log in now.\n\nSo if you can send me details on how to, you know, what what website to go to and passwords and that sort of stuff, that'd be ideal. Yep. Yep. Yep. Yep.\n\nAwesome. Yep. Yep. I need to print that to the side. Yeah?\n\nYep. No. Easy. Yep. Yeah.\n\nYeah. No no worries. Yep. Yep. Yep.\n\nYep. Yeah. Probably. Yep. No.\n\nI think that's about it, mate. Anything else? Yep. Yep. Yeah.\n\nYeah. No. Awesome. That's good. Awesome.\n\nThank you very much for that. See you, mate.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.64,"end":1.14,"sentiment":"neutral","sentiment_score":0.027775809168815613},{"text":"You all good.","start":6.0,"end":6.48,"sentiment":"positive","sentiment_score":0.5559696356455485},{"text":"Yourself?","start":6.48,"end":6.98,"sentiment":"positive","sentiment_score":0.3692728877067566},{"text":"Oh, alright.","start":11.12,"end":11.7,"sentiment":"neutral","sentiment_score":0.10701226070523262},{"text":"Sunny, bit cold, but not too bad.","start":12.08,"end":14.175,"sentiment":"neutral","sentiment_score":0.09098158989633832}],"sentiment":"neutral","sentiment_score":0.2082752324640751,"num_words":14,"start":0.64,"end":14.175},{"sentences":[{"text":"Yep.","start":37.9,"end":38.4,"sentiment":"neutral","sentiment_score":0.028401469811797145},{"text":"Fifty eight nineteen seventy five.","start":39.58,"end":41.68,"sentiment":"neutral","sentiment_score":0.005268473224714398},{"text":"What is that 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days.","start":729.70996,"end":733.62994,"sentiment":"neutral","sentiment_score":-0.19005841475266677}],"sentiment":"neutral","sentiment_score":-0.15045070352361484,"num_words":17,"start":675.0,"end":733.62994},{"sentences":[{"text":"You know what I mean?","start":733.62994,"end":734.69995,"sentiment":"neutral","sentiment_score":-0.08719508349895477},{"text":"Yep.","start":753.375,"end":753.875,"sentiment":"neutral","sentiment_score":0.011521322652697563},{"text":"I guess if it's substantial with Gmail, yeah, it's it's not much difference.","start":765.56,"end":769.42,"sentiment":"neutral","sentiment_score":-0.0697346878452943},{"text":"Not not a lot, really.","start":789.87,"end":791.39,"sentiment":"neutral","sentiment_score":-0.2166469246149063},{"text":"I'm...","start":791.39,"end":791.63,"sentiment":"neutral","sentiment_score":-0.1666392982006073}],"sentiment":"neutral","sentiment_score":-0.10323515832424164,"num_words":25,"start":733.62994,"end":791.63},{"sentences":[{"text":"I had shoulder surgery, but that's that's because I'm damaged at playing sport, but I don't know.","start":791.63,"end":797.47,"sentiment":"neutral","sentiment_score":-0.19679268055102406},{"text":"I've been I've been healthy.","start":797.47,"end":799.41003,"sentiment":"neutral","sentiment_score":-0.08250024616718292},{"text":"Yeah.","start":805.765,"end":806.265,"sentiment":"neutral","sentiment_score":-0.0019752969965338707},{"text":"Would've been around...","start":809.125,"end":810.10504,"sentiment":"neutral","sentiment_score":-0.01246970503901442},{"text":"Oh, probably 2021, I reckon.","start":811.60504,"end":813.705,"sentiment":"neutral","sentiment_score":-0.022953997924923898}],"sentiment":"neutral","sentiment_score":-0.12619778070779097,"num_words":31,"start":791.63,"end":813.705},{"sentences":[{"text":"Yep.","start":820.35,"end":820.85,"sentiment":"neutral","sentiment_score":-0.009658248163759708},{"text":"Yep.","start":821.23,"end":821.70996,"sentiment":"neutral","sentiment_score":0.0411374568939209},{"text":"Pretty 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now.","start":880.665,"end":884.105,"sentiment":"neutral","sentiment_score":0.00174990048011144}],"sentiment":"neutral","sentiment_score":0.050448105416514656,"num_words":22,"start":837.875,"end":884.105},{"sentences":[{"text":"So if you can send me details on how to, you know, what what website to go to and passwords and that sort of stuff, that'd be ideal.","start":884.105,"end":895.005,"sentiment":"neutral","sentiment_score":0.043872274458408356},{"text":"Yep.","start":918.935,"end":919.435,"sentiment":"neutral","sentiment_score":0.08214040845632553},{"text":"Yep.","start":924.29504,"end":924.6,"sentiment":"neutral","sentiment_score":0.10026402771472932},{"text":"Yep.","start":932.83997,"end":933.33997,"sentiment":"neutral","sentiment_score":0.12394213676452635},{"text":"Yep.","start":940.825,"end":941.325,"sentiment":"neutral","sentiment_score":0.3297809958457947}],"sentiment":"neutral","sentiment_score":0.05826722667552531,"num_words":32,"start":884.105,"end":941.325},{"sentences":[{"text":"Awesome.","start":941.385,"end":941.885,"sentiment":"positive","sentiment_score":0.5626934766769409},{"text":"Yep.","start":949.145,"end":949.645,"sentiment":"positive","sentiment_score":0.42789191007614136},{"text":"Yep.","start":966.005,"end":966.245,"sentiment":"neutral","sentiment_score":0.09318000078201294},{"text":"I need to print that to the side.","start":966.245,"end":967.765,"sentiment":"neutral","sentiment_score":0.03448373987339437},{"text":"Yeah?","start":967.765,"end":968.265,"sentiment":"neutral","sentiment_score":0.029826346784830093}],"sentiment":"neutral","sentiment_score":0.11578847110892336,"num_words":12,"start":941.385,"end":968.265},{"sentences":[{"text":"Yep.","start":971.285,"end":971.685,"sentiment":"neutral","sentiment_score":0.07154721021652222},{"text":"No.","start":971.685,"end":971.925,"sentiment":"neutral","sentiment_score":-0.014664851129055023},{"text":"Easy.","start":971.925,"end":972.40497,"sentiment":"neutral","sentiment_score":0.00785922259092331},{"text":"Yep.","start":972.40497,"end":972.90497,"sentiment":"neutral","sentiment_score":0.024970516562461853},{"text":"Yeah.","start":973.445,"end":973.685,"sentiment":"neutral","sentiment_score":0.060116641223430634}],"sentiment":"neutral","sentiment_score":0.0299657478928566,"num_words":5,"start":971.285,"end":973.685},{"sentences":[{"text":"Yeah.","start":973.685,"end":974.005,"sentiment":"neutral","sentiment_score":0.0813552662730217},{"text":"No no worries.","start":974.005,"end":974.90497,"sentiment":"neutral","sentiment_score":0.13918298979600272},{"text":"Yep.","start":980.62006,"end":981.12006,"sentiment":"neutral","sentiment_score":0.1347949355840683},{"text":"Yep.","start":989.42004,"end":989.92004,"sentiment":"neutral","sentiment_score":0.09797702729701996},{"text":"Yep.","start":994.405,"end":994.905,"sentiment":"neutral","sentiment_score":0.13538683950901031}],"sentiment":"neutral","sentiment_score":0.12386614829301834,"num_words":7,"start":973.685,"end":994.905},{"sentences":[{"text":"Yep.","start":999.125,"end":999.625,"sentiment":"neutral","sentiment_score":0.15275341272354126},{"text":"Yeah.","start":1016.13,"end":1016.45,"sentiment":"neutral","sentiment_score":0.07675568759441376},{"text":"Probably.","start":1016.45,"end":1016.95,"sentiment":"neutral","sentiment_score":0.12476786226034164},{"text":"Yep.","start":1021.755,"end":1022.255,"sentiment":"neutral","sentiment_score":0.15245060622692108},{"text":"No.","start":1036.11,"end":1036.4299,"sentiment":"neutral","sentiment_score":-0.021921375766396523}],"sentiment":"neutral","sentiment_score":0.09696123860776425,"num_words":5,"start":999.125,"end":1036.4299},{"sentences":[{"text":"I think that's about it, mate.","start":1036.4299,"end":1037.5499,"sentiment":"neutral","sentiment_score":0.018645952533309657},{"text":"Anything else?","start":1037.5499,"end":1038.37,"sentiment":"neutral","sentiment_score":0.06480154022574425},{"text":"Yep.","start":1042.35,"end":1042.85,"sentiment":"neutral","sentiment_score":0.0565640926361084},{"text":"Yep.","start":1042.99,"end":1043.49,"sentiment":"neutral","sentiment_score":0.08952313661575317},{"text":"Yeah.","start":1048.9099,"end":1049.4099,"sentiment":"neutral","sentiment_score":0.2874720096588135}],"sentiment":"neutral","sentiment_score":0.06136709405109286,"num_words":11,"start":1036.4299,"end":1049.4099},{"sentences":[{"text":"Yeah.","start":1053.2051,"end":1053.525,"sentiment":"neutral","sentiment_score":0.11324607580900192},{"text":"No.","start":1053.525,"end":1053.765,"sentiment":"neutral","sentiment_score":0.1070743203163147},{"text":"Awesome.","start":1053.765,"end":1054.0851,"sentiment":"positive","sentiment_score":0.6583172678947449},{"text":"That's good.","start":1054.0851,"end":1054.8251,"sentiment":"positive","sentiment_score":0.7213005423545837},{"text":"Awesome.","start":1059.525,"end":1059.925,"sentiment":"positive","sentiment_score":0.7987682819366455}],"sentiment":"positive","sentiment_score":0.5200011717776457,"num_words":6,"start":1053.2051,"end":1059.925},{"sentences":[{"text":"Thank you very much for that.","start":1059.925,"end":1061.2251,"sentiment":"positive","sentiment_score":0.8491082191467285},{"text":"See you, mate.","start":1063.605,"end":1064.425,"sentiment":"neutral","sentiment_score":0.21184185643990835}],"sentiment":"positive","sentiment_score":0.6366860982444551,"num_words":9,"start":1059.925,"end":1064.425}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good morning, Evan. It's Tommy here again from Oakview Financial. How are you doing?\n\nChannel 1: You all good. Yourself?\n\nChannel 0: Mate, living the dream. It's a beautiful rainy day on the Gold Coast. Your end?\n\nChannel 1: Oh, alright. Sunny, bit cold, but not too bad.\n\nChannel 0: Good. Good. I had just sort of rescheduled in for that catch up this morning. Have you got time for me? I've just got a bit of an email pack to send through to you.\n\nAnd just before I get started, I'll just run through a quick security check. I've registered with adviser one two seven three one zero five. Could I please confirm your date of birth and address that we would have\n\nChannel 1: Yep.\n\nChannel 0: on file?\n\nChannel 1: Fifty eight nineteen seventy five. What is that email?\n\nChannel 0: And residential address, please?\n\nChannel 1: 9095 Farrell.\n\nChannel 0: Sensational. Are you okay for the call to be recorded?\n\nChannel 1: Yeah. That's cool.\n\nChannel 0: Perfect. So, Evan, what we sort of spoke about last\n\nChannel 1: Yep.\n\nChannel 0: week is I've got a review pack that I'm sending through to you this morning just with all your updated documentation,\n\nChannel 1: Yep.\n\nChannel 0: service guides with Oakview, product documents, super, and insurance, and some consent forms\n\nChannel 1: Yep.\n\nChannel 0: as well. Now you did mention, obviously, wanting to sort of see how the old new portfolio is going since we did a few changes earlier in the year, and I\n\nChannel 1: Yep.\n\nChannel 0: wanted to quickly talk to you about the insurances as well. Was there anything else on your mind that you wanted me to focus on this\n\nChannel 1: Not really. We have... We've\n\nChannel 0: morning?\n\nChannel 1: moved back to 95 Farrell.\n\nChannel 0: Yep.\n\nChannel 1: We've put an extension onto the house. It's worth more than what it was originally. So I don't know if that needs to be looked at or anything.\n\nChannel 0: Yeah. I'll I'll just quickly update your assets and liabilities because I had it here listed previously as an investment to move into. It was valued at about $6.50 at the time.\n\nChannel 1: Yeah. Well, that's that's what it's... It's at $6.60. Yes.\n\nChannel 0: Yep. What about the loan $5.70?\n\nChannel 1: Yeah. Something like that. Yep.\n\nChannel 0: Yep. That sounds pretty accurate. Cool. Now the the PPR that you were... Had previously, it was a sort of a smaller property.\n\nIs that gone now? You still have that? You're renting it out?\n\nChannel 1: We're just finishing some rentals on it, and then I settled on that.\n\nChannel 0: Alright. So renovating and selling?\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. And I'll switch this one as your primary price of residence. Last couple of things. So we had a car, caravan, motorbike as the sort of three main vehicles.\n\nChannel 1: Yep.\n\nChannel 0: Cool. Did you still have about 55,000 in your offset in terms of savings built up, or have you kind of used a lot of that for the renos?\n\nChannel 1: Yeah. No. I've been using a bit of that. It's probably about 20.\n\nChannel 0: Yep. Beautiful. Any other loans or assets not already listed?\n\nChannel 1: No. I don't really.\n\nChannel 0: Beautiful. Last couple of things I'll check with you. So I've got you listed here currently de facto relationship with two dependents?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Beautiful. Are you still at the the steel mill with Liberty Steel Group?\n\nChannel 1: Yes.\n\nChannel 0: Cool. I had a split between your income of, like, a base of $1.20, maybe an income of $1.37. Just wondering what it's like after the old tax return.\n\nChannel 1: It's about... Yeah. It's around $1.20.\n\nChannel 0: Beautiful. And just lastly, in terms of surplus cash flow, have you got an amount that you're setting aside to sort of rebuild up the savings each week or fortnight?\n\nChannel 1: Yeah. We have got a we have got a plan there, which... The plan is focused on sell this sell this house and\n\nChannel 0: Yep.\n\nChannel 1: go jump back on that. Yeah.\n\nChannel 0: Yep. So all cash flow going into finishing the renos and then\n\nChannel 1: Yep.\n\nChannel 0: selling.\n\nChannel 1: Yep.\n\nChannel 0: Cool. Just in terms of goals there, so you finish off that reno, you sell. What's the sort of plan after that?\n\nChannel 1: There were... We we sort of... I reached out with Super because my partner, she's interested to see the trajectory of my Super and whether\n\nChannel 0: Yeah.\n\nChannel 1: whether it's worth coming over as well. You know what I mean? So I think the plan was... Because obviously, we've done some research into pumping in the motor too. So we're probably better off pumping in the herher too.\n\nYou know what I mean? So...\n\nChannel 0: Yeah. Yeah. So what I'm kind of looking at with yours, so you're in a pretty high growth fund if you remember your risk profile. So 90% shares property gold, 10% in the safest side of things, and you're pretty much aiming for, like, a benchmark. Like, all the\n\nChannel 1: Yes.\n\nChannel 0: returns are percentage based. So you're kind of aiming for, like, nine or 10% or above after fees is kind of what you're aiming for. Now with the the new inclusion, I mentioned that we had changed one of the investment options in March. Just kind of a low fee option, bit better performance there. That's kind of pushed everything back up towards that kind of eleven, twelve, 13% net returns going forward as well.\n\nChannel 1: Yes.\n\nChannel 0: Now you've had a bit of a a drop recently, obviously, because of the the legislation that came in, the fuel crisis, the Iran war, that kind of thing. So what kind of happens was in October, you just pressed at 03/23. It had dropped\n\nChannel 1: Yes.\n\nChannel 0: down to two seventy four and then back up again to three fifteen. So a little bit flat at the moment just with all the world's kind of exploding, but when the market does go up, you're getting some really big double digit returns. So what I've gotta double check with you is every option that I can see here is kind of doing its thing now. Everything between the gold and the shares and the different sectors and the cybersecurity is doing fantastic. I'm just making sure that you're comfortable with that high growth risk profile.\n\nChannel 1: Yeah. I think so. I know that's the one I got.\n\nChannel 0: Awesome. Because that's kind of, like, over a seven year period where the market kind of grows for five years, crashes for a couple,\n\nChannel 1: Yep.\n\nChannel 0: grows and crashes.\n\nChannel 1: Yep. Yep.\n\nChannel 0: You... That... What you've experienced is kind of what's gonna happen going forward. And because you've built up this big balance now, it's gonna be more pronounced in terms\n\nChannel 1: Yeah. Yep.\n\nChannel 0: of the dollar value. So what I'm sort of saying is you can go down to $2.70 and then be up to 400,000 all within the span of eighteen months. That's kind\n\nChannel 1: Yes.\n\nChannel 0: of the roller coaster ride of high growth.\n\nChannel 1: Oh, yeah. Yeah. Yeah. That's good. I expect...\n\nExpected that.\n\nChannel 0: Cool. We've still got a good sixteen years until your, like, retirement age that you'd put down for about 1,400 income per week after tax. So\n\nChannel 1: Yeah.\n\nChannel 0: what that kinda gives us is a good eight to nine years to get huge amounts of growth. And in the last six to eight years, we have to slowly reduce your risk level down. You don't wanna have built up $900 and then lose half of the year before you you go to live on it.\n\nChannel 1: Yeah. Yeah. That's right. Yep.\n\nChannel 0: Yep. So I can I can sort of keep that one going as is? I honestly don't see anything to change within the portfolio. There was just that one option that we fixed up in March. That was the only one\n\nChannel 1: Yep.\n\nChannel 0: that was a concern at the time.\n\nChannel 1: Yep.\n\nChannel 0: Cool.\n\nChannel 1: Yep.\n\nChannel 0: In terms of contributions, any any kind of updates that we do, am I just factoring in what works putting in? Are you doing any salary sacrifice? Because I know you've got a lot of cash flow priorities at the moment.\n\nChannel 1: Yeah. No. We we said that's what we sort of sat down the other day and talked about. We sort of did... Did some projections with salary sacrifice and that and it really isn't that big a difference.\n\nBut that's where I'm thinking we're gonna pop into our homes because I don't know what's on our first anyway. You know, I\n\nChannel 0: Yeah.\n\nChannel 1: feel\n\nChannel 0: You're\n\nChannel 1: that\n\nChannel 0: gonna\n\nChannel 1: we're\n\nChannel 0: do\n\nChannel 1: we're\n\nChannel 0: a staggered\n\nChannel 1: gonna be re... Yeah. Reasively well. And then, you know, if we can\n\nChannel 0: retirement.\n\nChannel 1: pump hers up where she can retire, but early knowing that her money is gonna be good when she can access it.\n\nChannel 0: Yeah. How many years difference would it be?\n\nChannel 1: She's 38, so she got a bit to do it.\n\nChannel 0: Yeah. Okay. Cool. So what that basically means is we really need to focus on, obviously, your property and loan side of things,\n\nChannel 1: Yes.\n\nChannel 0: finish building off super. And then when you hit your peak, it's kind of pivoting across to hers a lot more for another decade\n\nChannel 1: Yeah.\n\nChannel 0: or two.\n\nChannel 1: Yeah.\n\nChannel 0: Cool.\n\nChannel 1: Pretty much.\n\nChannel 0: Alright. So I won't factor in anything additional there. The one thing that I need to sort of work on with you is just quickly updating estate planning and the insurances is the big issue that I can see.\n\nChannel 1: Yep.\n\nChannel 0: Just before I do that, did you know I'm getting a will in place?\n\nChannel 1: We haven't. No. No. We've\n\nChannel 0: Still\n\nChannel 1: been\n\nChannel 0: need\n\nChannel 1: really\n\nChannel 0: to update\n\nChannel 1: hot.\n\nChannel 0: it?\n\nChannel 1: Yeah. Yeah. We still need to get one, really.\n\nChannel 0: Yep. No. That's fair enough. So still need to get a will by power of attorney.\n\nChannel 1: She's got... No. No. No. Currently, she's on on my super as benefactor or whatever you wanna...\n\n100\n\nChannel 0: The beneficiary,\n\nChannel 1: percent.\n\nChannel 0: Chantelle,\n\nChannel 1: Yep.\n\nChannel 0: knee bone, a 100% nonlapsing\n\nChannel 1: Shoot.\n\nChannel 0: binding. So just leave that as is.\n\nChannel 1: Yeah. Last time I spoke to someone, I said her name is it Nemo and it's Humphreys.\n\nChannel 0: Yep.\n\nChannel 1: They said they were gonna\n\nChannel 0: Humphreys.\n\nChannel 1: they were gonna change that.\n\nChannel 0: Perfect. So update that one. So that's gonna reflect on both the life insurance and the super. Correct?\n\nChannel 1: Yep.\n\nChannel 0: Alright. Sort that out. Easy done. And because beneficiaries are are kind of provable after the fact, it's really just a a switch of the form that updates.\n\nChannel 1: Yes.\n\nChannel 0: And then let's say, god forbid, you pass away. She goes, here's my ID. My my name matches. Here's the death certificate, and then it's pretty well done and dusted from that. It's pretty pretty straightforward.\n\nChannel 1: Yep. Yeah. That's good.\n\nChannel 0: Cool. When it comes to those insurances, so what you'll see when you look through the pack is you've got the summary of the super insurances. You've got the neos cover.\n\nChannel 1: Yep.\n\nChannel 0: We've got... When you look through the return pack, you'll see that one option that was in the negatives that we switched out to the one below it that's in the positives. And then when you\n\nChannel 1: Yep.\n\nChannel 0: look at that NEOS certificate of currency, that you... You're paying quite quite an exorbitant amount for insurances at the moment, and it's still in this thing where through your fifties, it's just gonna skyrocket even further.\n\nChannel 1: Yep. K. You're\n\nChannel 0: So\n\nChannel 1: right.\n\nChannel 0: when you've got... After the tax rebate, there's still 13,000 that comes out of the super for all the covers.\n\nChannel 1: Yes.\n\nChannel 0: So what do I need to look at? You've got 442,000 worth of life and disability insurance,\n\nChannel 1: Yes.\n\nChannel 0: which clears the majority of the mortgage. Little bit little bit left over still. Once the super comes out, that pretty much clears it. And then it's the income protection that I can see here. We still got...\n\nWe got you listed as smokers' rates.\n\nChannel 1: Yeah.\n\nChannel 0: K. Cool. So if we ever can tick with them no nicotine twelve months, they'll pretty much drop the price almost in half. In the meantime, thirty day waiting period, two year benefit period, and it's covering, let's have a look, 5,091 a month worth of income protection. So it's 1,000 a week that you get, and it's protecting an income of 81,000.\n\nSo if you're off work for six months, does a thousand dollars a week kind of kind of cover it? Yep. One thing I can do is I can look at the waiting period. If you've still got that savings built up, I can see if they can kick it out to sixty or ninety days, and that'll drop the premiums as well. But otherwise, it's just gonna keep going up as it is.\n\nChannel 1: Yeah. Right. Right. It probably could probably could push it out to to the noisy days. You know what I mean?\n\nChannel 0: Yep. I'll do up an alteration quote for that. Now the occupation probably hasn't changed too much for what I can see. The only question I've got for you is if I look for another provider, they're only gonna offer you 70% income protection, not 75, which\n\nChannel 1: Yep.\n\nChannel 0: we can still ensure you for the exact amount that you've got currently because you're you're under 70%. So I can look at another person to see if they'll offer something cheaper if you\n\nChannel 1: I guess if it's substantial with Gmail, yeah, it's\n\nChannel 0: want.\n\nChannel 1: it's not\n\nChannel 0: Yeah.\n\nChannel 1: much\n\nChannel 0: If\n\nChannel 1: difference.\n\nChannel 0: we're talking a few grand, go for it. If it's a $100,000, it's probably not worth it. Cool. What I needed to ask is in terms of health since 2019, what type of diagnosis, medication, health concerns have you had since 2019 till now?\n\nChannel 1: Not not a lot, really. I'm... I had shoulder surgery, but that's that's because I'm damaged at playing sport, but I don't know. I've been I've been healthy.\n\nChannel 0: Yep. Yep. Shoulder\n\nChannel 1: Yeah. Would've been around... Oh, probably 2021, I reckon.\n\nChannel 0: one Any issues since? Was it just done and done, one surgery, fully recovered\n\nChannel 1: Yep.\n\nChannel 0: type thing?\n\nChannel 1: Yep. Pretty much.\n\nChannel 0: Cool. So what I need to check with the other insurers is sometimes when you get a reconstruction, they do an exclusion of that body part so you can't claim on it, which isn't\n\nChannel 1: Okay.\n\nChannel 0: very fun. If it's\n\nChannel 1: Yep.\n\nChannel 0: fully recovered and there's no pins or metal in the shoulder or anything, they\n\nChannel 1: Yeah.\n\nChannel 0: might not exclude it. So I'll do an alteration quote with me. I'll see if I can kick the waiting period out. And then with the other providers, if they won't do an exclusion, I'll see if I can get a cheaper price for the same cover.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. No trauma insurance for heart attack, stroke, and cancer, but that's out of pocket only. And you've got quite a bit for the cash flow to do. So main thing at the moment is I'll see if I can sort the insurance premiums out, and then I'll give you an updated projection in that plan. So if I get some good quotes together, I'll update your plan with all the new projections and everything so you can see kind of how we're tracking.\n\nChannel 1: Yep. Awesome. I used to be able to log in, but I can't I can't seem to log in now. So if you can send me details on how to, you know, what what website to go to and passwords and that sort of stuff, that'd be ideal.\n\nChannel 0: Yep. We should be able to do a bit of a login reset from our end. I'll get that one sorted. And the other thing too, so just with Oakview, our fee structures changed this year. We've added in some tiered discounts for clients above 200,000, which you fall into.\n\nSo anyone between 200, 500,000, that percentage fee drops from 1.65 down.\n\nChannel 1: Yep.\n\nChannel 0: There's also partner discounts. If your partner does come on board, we drop it further again.\n\nChannel 1: Yep.\n\nChannel 0: And once you're above 500,000, there's another discount. So the consent form I've sent you through is for the new percentage, and\n\nChannel 1: Yep.\n\nChannel 0: that'll kind of remain in place. If we do bring your partner on board, I'll get that applied as well straight away.\n\nChannel 1: Yep. Awesome.\n\nChannel 0: Cool. Alright. So what I'll do, I'll sort out this plan first, give you all the updated figures. If you're happy with that, then we\n\nChannel 1: Yep.\n\nChannel 0: can touch base with Chantel after that. Awesome, mate. I'll leave that pack with you. If you've got a minute to hop on and sign that, I'll get it applied to the account. And then in a couple of weeks' time, they'll get you booked in with me to run through those updated quotes and figures.\n\nChannel 1: Yep. I need to print that to the side. Yeah?\n\nChannel 0: No. It's just a sign online if you're\n\nChannel 1: Yep.\n\nChannel 0: comfortable\n\nChannel 1: No. Easy.\n\nChannel 0: with the old\n\nChannel 1: Yep.\n\nChannel 0: DocuSign.\n\nChannel 1: Yeah. Yeah. No no worries.\n\nChannel 0: Cool. And now what it is is our own, like, custom built system called Odoo. So basically, you get,\n\nChannel 1: Yep.\n\nChannel 0: like, a blue sign button that brings open all the documents, and you basically just skip through all the ones that don't need a signature where it just says next document so you can look at them.\n\nChannel 1: Yep.\n\nChannel 0: The very last one after the service guide will be the consent form. It'll\n\nChannel 1: Yep.\n\nChannel 0: have a validate button at the end to send the copy to yourself and us, and then\n\nChannel 1: Yep.\n\nChannel 0: it'll let you download a signed copy as well. Four seven. But I've got all that written down. I'll get the... For the beneficiary forms, do you want me to just kind of post them out with a return envelope?\n\nWould that be easier than printing and scanning?\n\nChannel 1: Yeah. Probably.\n\nChannel 0: Cool. Alright. I'll get that posted out as well. I'll just get the team to double check the the\n\nChannel 1: Yep.\n\nChannel 0: life insurance and the super, see if we need to send out one or two forms. When you get that, if you have any trouble filling it in, just give us a buzz. We can walk you through it pretty quick. Awesome, mate. Anything else I can do before I let you go?\n\nChannel 1: No. I think that's about it, mate. Anything else?\n\nChannel 0: Awesome. No postal addresses or anything. Just do it all to Farrell Street?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Awesome. Evan, mate, thank you so much for taking some time to kind of reschedule with me.\n\nChannel 1: Yeah.\n\nChannel 0: Pretty important to update a few things and make sure it's tracking well.\n\nChannel 1: Yeah. No. Awesome. That's good.\n\nChannel 0: Awesome, mate. You have a fantastic week, and I'll talk to you in a couple of weeks' time.\n\nChannel 1: Awesome. Thank you very much for that.\n\nChannel 0: You too, Evan. Cheers, mate. Bye.\n\nChannel 1: See you, mate.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.64,"end":1.14,"sentiment":"neutral","sentiment_score":0.027775809168815613}],"sentiment":"neutral","sentiment_score":0.027775809168815613,"channel":1,"num_words":1,"start":0.64,"end":1.14},{"sentences":[{"text":"Good morning, Evan.","start":2.0,"end":2.8,"sentiment":"neutral","sentiment_score":0.28530458609263104},{"text":"It's Tommy here again from Oakview Financial.","start":2.8,"end":4.88,"sentiment":"neutral","sentiment_score":0.23113463180405752},{"text":"How are you doing?","start":4.88,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.2706974558532238}],"sentiment":"neutral","sentiment_score":0.2540461431656565,"channel":0,"num_words":14,"start":2.0,"end":5.7799997},{"sentences":[{"text":"You all good.","start":6.0,"end":6.48,"sentiment":"positive","sentiment_score":0.5559696356455485},{"text":"Yourself?","start":6.48,"end":6.98,"sentiment":"positive","sentiment_score":0.3692728877067566}],"sentiment":"positive","sentiment_score":0.5092954486608505,"channel":1,"num_words":4,"start":6.0,"end":6.98},{"sentences":[{"text":"Mate, living the dream.","start":7.44,"end":8.4,"sentiment":"positive","sentiment_score":0.6104407012462616},{"text":"It's a beautiful rainy day on the Gold Coast.","start":8.4,"end":10.4,"sentiment":"positive","sentiment_score":0.6254212392701043},{"text":"Your end?","start":10.4,"end":11.139999,"sentiment":"neutral","sentiment_score":0.15001969039440155}],"sentiment":"positive","sentiment_score":0.5580395559469858,"channel":0,"num_words":15,"start":7.44,"end":11.139999},{"sentences":[{"text":"Oh, alright.","start":11.12,"end":11.7,"sentiment":"neutral","sentiment_score":0.10701226070523262},{"text":"Sunny, bit cold, but not too bad.","start":12.08,"end":14.175,"sentiment":"neutral","sentiment_score":0.09098158989633832}],"sentiment":"neutral","sentiment_score":0.09454396118720372,"channel":1,"num_words":9,"start":11.12,"end":14.175},{"sentences":[{"text":"Good.","start":14.719999,"end":14.96,"sentiment":"positive","sentiment_score":0.3801523447036743},{"text":"Good.","start":14.96,"end":15.405,"sentiment":"neutral","sentiment_score":0.3198105990886688},{"text":"I had just sort of rescheduled in for that catch up this morning.","start":15.804999,"end":19.404999,"sentiment":"neutral","sentiment_score":0.1375936711063752},{"text":"Have you got time for me?","start":19.404999,"end":20.785,"sentiment":"neutral","sentiment_score":0.048601593201359115},{"text":"I've just got a bit of an email pack to send through to you.","start":23.724998,"end":26.445,"sentiment":"neutral","sentiment_score":0.06241640475179468}],"sentiment":"neutral","sentiment_score":0.10440342554024287,"channel":0,"num_words":35,"start":14.719999,"end":26.445},{"sentences":[{"text":"And just before I get started, I'll just run through a quick security check.","start":26.445,"end":29.82,"sentiment":"neutral","sentiment_score":0.04199669935873577},{"text":"I've registered with adviser one two seven three one zero five.","start":30.779999,"end":34.4,"sentiment":"neutral","sentiment_score":0.03836150602860884},{"text":"Could I please confirm your date of birth and address that we would have","start":34.46,"end":37.98,"sentiment":"neutral","sentiment_score":0.03725199893649135}],"sentiment":"neutral","sentiment_score":0.03926816262686864,"channel":0,"num_words":39,"start":26.445,"end":37.98},{"sentences":[{"text":"Yep.","start":37.9,"end":38.4,"sentiment":"neutral","sentiment_score":0.028401469811797145}],"sentiment":"neutral","sentiment_score":0.028401469811797145,"channel":1,"num_words":1,"start":37.9,"end":38.4},{"sentences":[{"text":"on file?","start":37.98,"end":38.64,"sentiment":"neutral","sentiment_score":0.01739116758108139}],"sentiment":"neutral","sentiment_score":0.01739116758108139,"channel":0,"num_words":2,"start":37.98,"end":38.64},{"sentences":[{"text":"Fifty eight nineteen seventy five.","start":39.58,"end":41.68,"sentiment":"neutral","sentiment_score":0.005268473224714398},{"text":"What is that email?","start":42.379997,"end":43.44,"sentiment":"neutral","sentiment_score":0.006068682065233588}],"sentiment":"neutral","sentiment_score":0.0056241215982784825,"channel":1,"num_words":9,"start":39.58,"end":43.44},{"sentences":[{"text":"And residential address, please?","start":44.475002,"end":46.415,"sentiment":"neutral","sentiment_score":0.004305899783503264}],"sentiment":"neutral","sentiment_score":0.004305899783503264,"channel":0,"num_words":4,"start":44.475002,"end":46.415},{"sentences":[{"text":"9095 Farrell.","start":46.405,"end":48.105,"sentiment":"neutral","sentiment_score":0.0033200886100530624}],"sentiment":"neutral","sentiment_score":0.0033200886100530624,"channel":1,"num_words":2,"start":46.405,"end":48.105},{"sentences":[{"text":"Sensational.","start":49.435,"end":49.935,"sentiment":"neutral","sentiment_score":-0.0009007905027829112},{"text":"Are you okay for the call to be recorded?","start":50.395,"end":52.095,"sentiment":"neutral","sentiment_score":0.00787368437482251}],"sentiment":"neutral","sentiment_score":0.0069962368870619684,"channel":0,"num_words":10,"start":49.435,"end":52.095},{"sentences":[{"text":"Yeah.","start":52.485,"end":52.725,"sentiment":"neutral","sentiment_score":0.11561349034309389},{"text":"That's cool.","start":52.725,"end":53.465,"sentiment":"positive","sentiment_score":0.3346017599105835}],"sentiment":"neutral","sentiment_score":0.2616056700547536,"channel":1,"num_words":3,"start":52.485,"end":53.465},{"sentences":[{"text":"Perfect.","start":53.915,"end":54.395,"sentiment":"positive","sentiment_score":0.42891791462898254},{"text":"So, Evan, what we sort of spoke about last","start":54.395,"end":56.555,"sentiment":"neutral","sentiment_score":0.07867346621221966}],"sentiment":"neutral","sentiment_score":0.11369791105389596,"channel":0,"num_words":10,"start":53.915,"end":56.555},{"sentences":[{"text":"Yep.","start":56.46,"end":56.96,"sentiment":"neutral","sentiment_score":0.07102814316749573}],"sentiment":"neutral","sentiment_score":0.07102814316749573,"channel":1,"num_words":1,"start":56.46,"end":56.96},{"sentences":[{"text":"week is I've got a review pack that I'm sending through to you this morning just with all your updated 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I","start":70.94,"end":79.674995,"sentiment":"neutral","sentiment_score":0.006101641803979874}],"sentiment":"neutral","sentiment_score":0.00938036076484188,"channel":0,"num_words":31,"start":69.74,"end":79.674995},{"sentences":[{"text":"Yep.","start":79.665,"end":80.165,"sentiment":"neutral","sentiment_score":0.04527726024389267}],"sentiment":"neutral","sentiment_score":0.04527726024389267,"channel":1,"num_words":1,"start":79.665,"end":80.165},{"sentences":[{"text":"wanted to quickly talk to you about the insurances as well.","start":79.674995,"end":82.814995,"sentiment":"neutral","sentiment_score":0.044646913863041184},{"text":"Was there anything else on your mind that you wanted me to focus on this","start":83.274994,"end":87.44,"sentiment":"neutral","sentiment_score":-0.0107536551853021}],"sentiment":"neutral","sentiment_score":0.012685047104381598,"channel":0,"num_words":26,"start":79.674995,"end":87.44},{"sentences":[{"text":"Not really.","start":88.64,"end":89.38,"sentiment":"neutral","sentiment_score":-0.06899925693869591},{"text":"We have...","start":89.6,"end":90.34,"sentiment":"neutral","sentiment_score":-0.04640362411737442},{"text":"We've","start":90.399994,"end":90.72,"sentiment":"neutral","sentiment_score":-0.0325995609164238}],"sentiment":"neutral","sentiment_score":-0.05268106460571289,"channel":1,"num_words":5,"start":88.64,"end":90.72},{"sentences":[{"text":"morning?","start":90.62,"end":91.12,"sentiment":"neutral","sentiment_score":-0.019724948331713676}],"sentiment":"neutral","sentiment_score":-0.019724948331713676,"channel":0,"num_words":1,"start":90.62,"end":91.12},{"sentences":[{"text":"moved back to 95 Farrell.","start":90.72,"end":92.34,"sentiment":"neutral","sentiment_score":-0.01948651857674122}],"sentiment":"neutral","sentiment_score":-0.01948651857674122,"channel":1,"num_words":5,"start":90.72,"end":92.34},{"sentences":[{"text":"Yep.","start":93.18,"end":93.68,"sentiment":"neutral","sentiment_score":-0.0007461210479959846}],"sentiment":"neutral","sentiment_score":-0.0007461210479959846,"channel":0,"num_words":1,"start":93.18,"end":93.68},{"sentences":[{"text":"We've put an extension onto the house.","start":93.2,"end":95.03999,"sentiment":"neutral","sentiment_score":-0.02324886141078813},{"text":"It's worth more than what it was originally.","start":95.03999,"end":99.005,"sentiment":"neutral","sentiment_score":-0.0714957071468234},{"text":"So I don't know if that needs to be looked at or 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a lot of that for the renos?","start":164.825,"end":170.81,"sentiment":"neutral","sentiment_score":0.094202992107187}],"sentiment":"neutral","sentiment_score":0.09980954795048155,"channel":0,"num_words":29,"start":164.025,"end":170.81},{"sentences":[{"text":"Yeah.","start":170.64,"end":171.14,"sentiment":"neutral","sentiment_score":0.006722353398799896},{"text":"No.","start":171.2,"end":171.44,"sentiment":"neutral","sentiment_score":-0.0538363941013813},{"text":"I've been using a bit of that.","start":171.44,"end":172.56,"sentiment":"neutral","sentiment_score":-0.049639283014195304},{"text":"It's probably about 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you've got...","start":643.09,"end":643.99,"sentiment":"neutral","sentiment_score":-0.012233378055195013},{"text":"After the tax rebate, there's still 13,000 that comes out of the super for all the covers.","start":644.05005,"end":649.27,"sentiment":"neutral","sentiment_score":-0.02584727995974176}],"sentiment":"neutral","sentiment_score":-0.023805194674059747,"channel":0,"num_words":20,"start":643.09,"end":649.27},{"sentences":[{"text":"Yes.","start":650.28,"end":650.78,"sentiment":"neutral","sentiment_score":-0.0002929791808128357}],"sentiment":"neutral","sentiment_score":-0.0002929791808128357,"channel":1,"num_words":1,"start":650.28,"end":650.78},{"sentences":[{"text":"So what do I need to look at?","start":651.25,"end":652.61005,"sentiment":"neutral","sentiment_score":-0.008455658215098083},{"text":"You've got 442,000 worth of life and disability insurance,","start":652.61005,"end":657.175,"sentiment":"neutral","sentiment_score":0.013889004890289571}],"sentiment":"neutral","sentiment_score":0.0033738693112836163,"channel":0,"num_words":17,"start":651.25,"end":657.175},{"sentences":[{"text":"Yes.","start":657.88,"end":658.38,"sentiment":"neutral","sentiment_score":0.0481814444065094}],"sentiment":"neutral","sentiment_score":0.0481814444065094,"channel":1,"num_words":1,"start":657.88,"end":658.38},{"sentences":[{"text":"which clears the majority of the mortgage.","start":658.035,"end":661.015,"sentiment":"neutral","sentiment_score":0.02952427150947707},{"text":"Little bit little bit left over still.","start":661.555,"end":663.895,"sentiment":"neutral","sentiment_score":0.011816687083670072},{"text":"Once the super comes out, that pretty much clears it.","start":664.355,"end":667.22,"sentiment":"neutral","sentiment_score":0.07314481101930141},{"text":"And then it's the income protection that I can see here.","start":667.44,"end":671.22,"sentiment":"neutral","sentiment_score":0.01050292683595961},{"text":"We still got...","start":671.68,"end":672.39996,"sentiment":"neutral","sentiment_score":-0.011462354101240635}],"sentiment":"neutral","sentiment_score":0.02899947245360205,"channel":0,"num_words":38,"start":658.035,"end":672.39996},{"sentences":[{"text":"We got you listed as smokers' 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look, 5,091 a month worth of income protection.","start":685.85504,"end":696.6,"sentiment":"neutral","sentiment_score":0.10302844673395156},{"text":"So it's 1,000 a week that you get, and it's protecting an income of 81,000.","start":696.6,"end":703.88,"sentiment":"neutral","sentiment_score":0.13825299590826035}],"sentiment":"neutral","sentiment_score":0.12788414162775827,"channel":0,"num_words":63,"start":676.24,"end":703.88},{"sentences":[{"text":"So if you're off work for six months, does a thousand dollars a week kind of kind of cover it?","start":703.88,"end":710.555,"sentiment":"neutral","sentiment_score":-0.0717655073851347},{"text":"Yep.","start":710.77496,"end":711.27496,"sentiment":"neutral","sentiment_score":-0.018252404406666756},{"text":"One thing I can do is I can look at the waiting period.","start":712.375,"end":716.63495,"sentiment":"neutral","sentiment_score":0.01365601414671311},{"text":"If you've still got that savings built up, I can see if they can kick it out to 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mean?","start":733.62994,"end":734.69995,"sentiment":"neutral","sentiment_score":-0.08719508349895477}],"sentiment":"neutral","sentiment_score":-0.14361225716060116,"channel":1,"num_words":21,"start":728.43,"end":734.69995},{"sentences":[{"text":"Yep.","start":734.66,"end":735.16,"sentiment":"neutral","sentiment_score":-0.02402532659471035},{"text":"I'll do up an alteration quote for that.","start":736.055,"end":738.555,"sentiment":"neutral","sentiment_score":-0.019878236576914787},{"text":"Now the occupation probably hasn't changed too much for what I can see.","start":738.695,"end":745.275,"sentiment":"neutral","sentiment_score":-0.07375004457739684},{"text":"The only question I've got for you is if I look for another provider, they're only gonna offer you 70% income protection, not 75, which","start":745.335,"end":753.22003,"sentiment":"neutral","sentiment_score":-0.03158688575029373}],"sentiment":"neutral","sentiment_score":-0.04109519026539427,"channel":0,"num_words":47,"start":734.66,"end":753.22003},{"sentences":[{"text":"Yep.","start":753.375,"end":753.875,"sentiment":"neutral","sentiment_score":0.011521322652697563}],"sentiment":"neutral","sentiment_score":0.011521322652697563,"channel":1,"num_words":1,"start":753.375,"end":753.875},{"sentences":[{"text":"we can still ensure you for the exact amount that you've got currently because you're you're under 70%.","start":753.84,"end":758.74,"sentiment":"neutral","sentiment_score":0.01277802170564731},{"text":"So I can look at another person to see if they'll offer something cheaper if 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talking a few grand, go for it.","start":768.945,"end":771.185,"sentiment":"neutral","sentiment_score":-0.30190193839371204},{"text":"If it's a $100,000, it's probably not worth it.","start":771.185,"end":773.685,"sentiment":"negative","sentiment_score":-0.47657381494839984},{"text":"Cool.","start":776.705,"end":777.15,"sentiment":"neutral","sentiment_score":-0.004897516220808029},{"text":"What I needed to ask is in terms of health since 2019, what type of diagnosis, medication, health concerns have you had since 2019 till now?","start":777.79004,"end":789.09,"sentiment":"neutral","sentiment_score":-0.027815536524240788}],"sentiment":"neutral","sentiment_score":-0.16892002971673553,"channel":0,"num_words":44,"start":768.945,"end":789.09},{"sentences":[{"text":"Not not a lot, really.","start":789.87,"end":791.39,"sentiment":"neutral","sentiment_score":-0.2166469246149063},{"text":"I'm...","start":791.39,"end":791.63,"sentiment":"neutral","sentiment_score":-0.1666392982006073},{"text":"I 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thing?","start":820.59503,"end":821.335,"sentiment":"neutral","sentiment_score":-0.015511708334088326}],"sentiment":"neutral","sentiment_score":-0.015511708334088326,"channel":0,"num_words":2,"start":820.59503,"end":821.335},{"sentences":[{"text":"Yep.","start":821.23,"end":821.70996,"sentiment":"neutral","sentiment_score":0.0411374568939209},{"text":"Pretty much.","start":821.70996,"end":822.52997,"sentiment":"neutral","sentiment_score":0.15355348587036133}],"sentiment":"neutral","sentiment_score":0.11608147621154785,"channel":1,"num_words":3,"start":821.23,"end":822.52997},{"sentences":[{"text":"Cool.","start":822.835,"end":823.155,"sentiment":"neutral","sentiment_score":0.22738425433635712},{"text":"So what I need to check with the other insurers is sometimes when you get a reconstruction, they do an exclusion of that body part so you can't claim on it, which 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you're happy with that, then we","start":947.63,"end":949.23,"sentiment":"positive","sentiment_score":0.4811929762363434}],"sentiment":"neutral","sentiment_score":0.26758902072906493,"channel":0,"num_words":25,"start":942.35,"end":949.23},{"sentences":[{"text":"Yep.","start":949.145,"end":949.645,"sentiment":"positive","sentiment_score":0.42789191007614136}],"sentiment":"positive","sentiment_score":0.42789191007614136,"channel":1,"num_words":1,"start":949.145,"end":949.645},{"sentences":[{"text":"can touch base with Chantel after that.","start":949.23,"end":952.20996,"sentiment":"positive","sentiment_score":0.39586115309170317},{"text":"Awesome, mate.","start":954.125,"end":954.52496,"sentiment":"positive","sentiment_score":0.8160333037376404},{"text":"I'll leave that pack with you.","start":954.52496,"end":955.725,"sentiment":"positive","sentiment_score":0.48842381437619525},{"text":"If you've got a minute to hop on and sign that, I'll get it applied to the 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beneficiary forms, do you want me to just kind of post them out with a return envelope?","start":1009.33,"end":1013.285,"sentiment":"neutral","sentiment_score":0.0408461104686323}],"sentiment":"neutral","sentiment_score":0.06121250099968165,"channel":0,"num_words":40,"start":999.33,"end":1013.285},{"sentences":[{"text":"Would that be easier than printing and 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the","start":1019.765,"end":1021.765,"sentiment":"neutral","sentiment_score":0.20777443349361419}],"sentiment":"neutral","sentiment_score":0.2351834115229155,"channel":0,"num_words":19,"start":1017.685,"end":1021.765},{"sentences":[{"text":"Yep.","start":1021.755,"end":1022.255,"sentiment":"neutral","sentiment_score":0.15245060622692108}],"sentiment":"neutral","sentiment_score":0.15245060622692108,"channel":1,"num_words":1,"start":1021.755,"end":1022.255},{"sentences":[{"text":"life insurance and the super, see if we need to send out one or two forms.","start":1021.765,"end":1025.465,"sentiment":"neutral","sentiment_score":0.15145751321688294},{"text":"When you get that, if you have any trouble filling it in, just give us a buzz.","start":1025.65,"end":1029.49,"sentiment":"neutral","sentiment_score":0.11915345731026986},{"text":"We can walk you through it pretty quick.","start":1029.49,"end":1031.11,"sentiment":"neutral","sentiment_score":0.32744646817445755},{"text":"Awesome, mate.","start":1032.9299,"end":1033.83,"sentiment":"positive","sentiment_score":0.5502335429191589},{"text":"Anything else I can do before I let you go?","start":1033.89,"end":1035.99,"sentiment":"neutral","sentiment_score":0.1652464158833027}],"sentiment":"neutral","sentiment_score":0.1853100372794664,"channel":0,"num_words":53,"start":1021.765,"end":1035.99},{"sentences":[{"text":"No.","start":1036.11,"end":1036.4299,"sentiment":"neutral","sentiment_score":-0.021921375766396523},{"text":"I think that's about it, mate.","start":1036.4299,"end":1037.5499,"sentiment":"neutral","sentiment_score":0.018645952533309657},{"text":"Anything else?","start":1037.5499,"end":1038.37,"sentiment":"neutral","sentiment_score":0.06480154022574425}],"sentiment":"neutral","sentiment_score":0.024395268876105547,"channel":1,"num_words":9,"start":1036.11,"end":1038.37},{"sentences":[{"text":"Awesome.","start":1038.9049,"end":1038.985,"sentiment":"neutral","sentiment_score":0.21980583667755127},{"text":"No postal addresses or anything.","start":1038.985,"end":1040.4249,"sentiment":"neutral","sentiment_score":-0.0019455332309007644},{"text":"Just do it all to Farrell Street?","start":1040.4249,"end":1041.885,"sentiment":"neutral","sentiment_score":0.036158331270728795}],"sentiment":"neutral","sentiment_score":0.03562972995524223,"channel":0,"num_words":13,"start":1038.9049,"end":1041.885},{"sentences":[{"text":"Yep.","start":1042.35,"end":1042.85,"sentiment":"neutral","sentiment_score":0.0565640926361084},{"text":"Yep.","start":1042.99,"end":1043.49,"sentiment":"neutral","sentiment_score":0.08952313661575317}],"sentiment":"neutral","sentiment_score":0.07304361462593079,"channel":1,"num_words":2,"start":1042.35,"end":1043.49},{"sentences":[{"text":"Awesome.","start":1044.105,"end":1044.605,"sentiment":"neutral","sentiment_score":0.044782623648643494},{"text":"Evan, mate, thank you so much for taking some time to kind of reschedule with 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couple of weeks' time.","start":1055.74,"end":1059.2799,"sentiment":"positive","sentiment_score":0.7067329082638025}],"sentiment":"positive","sentiment_score":0.7187028312020831,"channel":0,"num_words":18,"start":1055.1799,"end":1059.2799},{"sentences":[{"text":"Awesome.","start":1059.525,"end":1059.925,"sentiment":"positive","sentiment_score":0.7987682819366455},{"text":"Thank you very much for that.","start":1059.925,"end":1061.2251,"sentiment":"positive","sentiment_score":0.8491082191467285}],"sentiment":"positive","sentiment_score":0.8419167995452881,"channel":1,"num_words":7,"start":1059.525,"end":1061.2251},{"sentences":[{"text":"You too, Evan.","start":1061.82,"end":1062.5399,"sentiment":"positive","sentiment_score":0.5979084769884745},{"text":"Cheers, mate.","start":1062.5399,"end":1063.1799,"sentiment":"positive","sentiment_score":0.6613578200340271},{"text":"Bye.","start":1063.1799,"end":1063.6799,"sentiment":"positive","sentiment_score":0.3950158953666687}],"sentiment":"positive","sentiment_score":0.5852428277333578,"channel":0,"num_words":6,"start":1061.82,"end":1063.6799},{"sentences":[{"text":"See you, mate.","start":1063.605,"end":1064.425,"sentiment":"neutral","sentiment_score":0.21184185643990835}],"sentiment":"neutral","sentiment_score":0.21184185643990835,"channel":1,"num_words":3,"start":1063.605,"end":1064.425}]},"summary":{"result":"success","short":"During a call with Evan from Oakview Financial, Tommy updates Evan's assets and liabilities, discusses his risk profile, and emphasizes the importance of maintaining a high growth risk profile. They also discuss updating estate planning and insurances, updating retirement age and property portfolios, and updating the customer's insurance policy. The agent will provide updated figures and a new projection for the customer's plan once they have a better understanding of their coverage. They also discuss updating the customer's insurance policy and sending a consent form."},"intents":{"segments":[{"text":"Now you did mention, obviously, wanting to sort of see how the old new portfolio is going since we did a few changes earlier in the year, and I Yep. wanted to quickly talk to you about the insurances as well. Was there anything else on your mind that you wanted me to focus on this Not really.","start_word":197,"end_word":254,"intents":[{"intent":"Assess portfolio status","confidence_score":0.00076110306}]},{"text":"So renovating and selling?","start_word":395,"end_word":398,"intents":[{"intent":"Renovate property","confidence_score":0.13430469}]},{"text":"And I'll switch this one as your primary price of residence. Last couple of things.","start_word":401,"end_word":415,"intents":[{"intent":"Report plan","confidence_score":0.00077618257}]},{"text":"I had a split between your income of, like, a base of $1.20, maybe an income of $1.37. Just wondering what it's like after the old tax return. It's about... Yeah.","start_word":526,"end_word":556,"intents":[{"intent":"Check income","confidence_score":0.22371368}]},{"text":"There were... We we sort of... I reached out with Super because my partner, she's interested to see the trajectory of my Super and whether Yeah.","start_word":658,"end_word":683,"intents":[{"intent":"Analyze super's trajectory","confidence_score":0.035866387}]},{"text":"Because that's kind of, like, over a seven year period where the market kind of grows for five years, crashes for a couple, Yep. grows and crashes. Yep.","start_word":1011,"end_word":1038,"intents":[{"intent":"Analyze market fluctuations","confidence_score":0.012219973}]},{"text":"The one thing that I need to sort of work on with you is just quickly updating estate planning and the insurances is the big issue that I can see.","start_word":1492,"end_word":1521,"intents":[{"intent":"Update estate planning and insurances","confidence_score":0.64607936}]},{"text":"When it comes to those insurances, so what you'll see when you look through the pack is you've got the summary of the super insurances. You've got the neos cover. Yep.","start_word":1729,"end_word":1759,"intents":[{"intent":"Analyze insurance coverage","confidence_score":0.010833898}]},{"text":"So if you're off work for six months, does a thousand dollars a week kind of kind of cover it? Yep.","start_word":1988,"end_word":2008,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.035051923}]},{"text":"What I needed to ask is in terms of health since 2019, what type of diagnosis, medication, health concerns have you had since 2019 till now?","start_word":2198,"end_word":2223,"intents":[{"intent":"Inquire about health","confidence_score":0.011194659},{"intent":"Confirm diagnosis","confidence_score":0.0215691},{"intent":"Ask about medical history","confidence_score":0.002226792}]},{"text":"So what I need to check with the other insurers is sometimes when you get a reconstruction, they do an exclusion of that body part so you can't claim on it, which isn't Okay.","start_word":2285,"end_word":2318,"intents":[{"intent":"Check with insurers","confidence_score":0.15975785}]},{"text":"So I'll do an alteration quote with me. I'll see if I can kick the waiting period out. And then with the other providers, if they won't do an exclusion, I'll see if I can get a cheaper price for the same cover. Yep. Perfect.","start_word":2343,"end_word":2387,"intents":[{"intent":"Update insurance quotes and provide information","confidence_score":0.00016489571}]},{"text":"If you're happy with that, then we Yep. can touch base with Chantel after that. Awesome, mate. I'll leave that pack with you. If you've got a minute to hop on and sign that, I'll get it applied to the account. And then in a couple of weeks' time, they'll get you booked in with me to run through those updated quotes and figures. Yep.","start_word":2665,"end_word":2729,"intents":[{"intent":"Make a booking","confidence_score":0.00037153682}]}]},"sentiments":{"segments":[{"text":"Hello? Good morning, Evan. It's Tommy here again from Oakview Financial. How are you doing?","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.2399832159280777},{"text":"You all good. Yourself? Mate, living the dream. It's a beautiful rainy day on the Gold Coast.","start_word":15,"end_word":31,"sentiment":"positive","sentiment_score":0.5828281044960022},{"text":"Your end? Oh, alright. Sunny, bit cold, but not too bad.","start_word":32,"end_word":42,"sentiment":"neutral","sentiment_score":0.10800286382436752},{"text":"Good.","start_word":43,"end_word":43,"sentiment":"positive","sentiment_score":0.3801523447036743},{"text":"Good. I had just sort of rescheduled in for that catch up this morning. Have you got time for me? I've just got a bit of an email pack to send through to you. And just before I get started, I'll just run through a quick security check. I've registered with adviser one two seven three one zero five. Could I please confirm your date of birth and address that we would have Yep. on file? Fifty eight nineteen seventy five. What is that email? And residential address, please? 9095 Farrell. Sensational. Are you okay for the call to be recorded? Yeah. That's cool.","start_word":44,"end_word":147,"sentiment":"neutral","sentiment_score":0.05773341283202171},{"text":"Perfect.","start_word":148,"end_word":148,"sentiment":"positive","sentiment_score":0.42891791462898254},{"text":"So, Evan, what we sort of spoke about last Yep. week is I've got a review pack that I'm sending through to you this morning just with all your updated documentation, Yep. service guides with Oakview, product documents, super, and insurance, and some consent forms Yep. as well. Now you did mention, obviously, wanting to sort of see how the old new portfolio is going since we did a few changes earlier in the year, and I Yep. wanted to quickly talk to you about the insurances as well. Was there anything else on your mind that you wanted me to focus on this Not really. We have... We've morning? moved back to 95 Farrell. Yep. We've put an extension onto the house. It's worth more than what it was originally. So I don't know if that needs to be looked at or anything. Yeah. I'll I'll just quickly update your assets and liabilities because I had it here listed previously as an investment to move into. It was valued at about $6.50 at the time. Yeah. Well, that's that's what it's... It's at $6.60. Yes. Yep. What about the loan $5.70? Yeah. Something like that. Yep. Yep.","start_word":149,"end_word":346,"sentiment":"neutral","sentiment_score":0.01723846477089506},{"text":"That sounds pretty accurate. Cool.","start_word":347,"end_word":351,"sentiment":"positive","sentiment_score":0.46836790442466736},{"text":"Now the the PPR that you were... Had previously, it was a sort of a smaller property. Is that gone now? You still have that? You're renting it out? We're just finishing some rentals on it, and then I settled on that. Alright. So renovating and selling? Yeah.","start_word":352,"end_word":399,"sentiment":"neutral","sentiment_score":0.00803082063794136},{"text":"Beautiful.","start_word":400,"end_word":400,"sentiment":"positive","sentiment_score":0.632095217704773},{"text":"And I'll switch this one as your primary price of residence. Last couple of things. So we had a car, caravan, motorbike as the sort of three main vehicles. Yep. Cool. Did you still have about 55,000 in your offset in terms of savings built up, or have you kind of used a lot of that for the renos? Yeah. No. I've been using a bit of that. It's probably about 20. Yep.","start_word":401,"end_word":473,"sentiment":"neutral","sentiment_score":0.09380679577589036},{"text":"Beautiful.","start_word":474,"end_word":474,"sentiment":"positive","sentiment_score":0.391291081905365},{"text":"Any other loans or assets not already listed? No. I don't really. Beautiful. Last couple of things I'll check with you. So I've got you listed here currently de facto relationship with two dependents? Yep. Yep. Beautiful. Are you still at the the steel mill with Liberty Steel Group? Yes. Cool. I had a split between your income of, like, a base of $1.20, maybe an income of $1.37. Just wondering what it's like after the old tax return. It's about... Yeah. It's around $1.20.","start_word":475,"end_word":559,"sentiment":"neutral","sentiment_score":0.02799738198518753},{"text":"Beautiful.","start_word":560,"end_word":560,"sentiment":"positive","sentiment_score":0.4559606909751892},{"text":"And just lastly, in terms of surplus cash flow, have you got an amount that you're setting aside to sort of rebuild up the savings each week or fortnight? Yeah. We have got a we have got a plan there, which... The plan is focused on sell this sell this house and Yep. go jump back on that. Yeah. Yep. So all cash flow going into finishing the renos and then Yep. selling. Yep. Cool. Just in terms of goals there, so you finish off that reno, you sell. What's the sort of plan after that? There were... We we sort of... I reached out with Super because my partner, she's interested to see the trajectory of my Super and whether Yeah. whether it's worth coming over as well. You know what I mean? So I think the plan was... Because obviously, we've done some research into pumping in the motor too. So we're probably better off pumping in the herher too. You know what I mean? So... Yeah. Yeah. So what I'm kind of looking at with yours, so you're in a pretty high growth fund if you remember your risk profile. So 90% shares property gold, 10% in the safest side of things, and you're pretty much aiming for, like, a benchmark. Like, all the Yes. returns are percentage based. So you're kind of aiming for, like, nine or 10% or above after fees is kind of what you're aiming for. Now with the the new inclusion, I mentioned that we had changed one of the investment options in March. Just kind of a low fee option, bit better performance there. That's kind of pushed everything back up towards that kind of eleven, twelve, 13% net returns going forward as well. Yes. Now you've had a bit of a a drop recently, obviously, because of the the legislation that came in, the fuel crisis, the Iran war, that kind of thing. So what kind of happens was in October, you just pressed at 03/23. It had dropped Yes. down to two seventy four and then back up again to three fifteen. So a little bit flat at the moment just with all the world's kind of exploding, but when the market does go up, you're getting some really big double digit returns. So what I've gotta double check with you is every option that I can see here is kind of doing its thing now.","start_word":561,"end_word":967,"sentiment":"neutral","sentiment_score":0.07462776309515393},{"text":"Everything between the gold and the shares and the different sectors and the cybersecurity is doing fantastic.","start_word":968,"end_word":984,"sentiment":"positive","sentiment_score":0.5473683476448059},{"text":"I'm just making sure that you're comfortable with that high growth risk profile. Yeah. I think so. I know that's the one I got.","start_word":985,"end_word":1008,"sentiment":"neutral","sentiment_score":0.21185410022735596},{"text":"Awesome.","start_word":1009,"end_word":1009,"sentiment":"positive","sentiment_score":0.6563904285430908},{"text":"Because that's kind of, like, over a seven year period where the market kind of grows for five years, crashes for a couple, Yep. grows and crashes. Yep. Yep. You... That... What you've experienced is kind of what's gonna happen going forward. And because you've built up this big balance now, it's gonna be more pronounced in terms Yeah. Yep. of the dollar value. So what I'm sort of saying is you can go down to $2.70 and then be up to 400,000 all within the span of eighteen months. That's kind Yes. of the roller coaster ride of high growth. Oh, yeah. Yeah. Yeah.","start_word":1010,"end_word":1114,"sentiment":"neutral","sentiment_score":-0.0918937623500824},{"text":"That's good.","start_word":1115,"end_word":1116,"sentiment":"positive","sentiment_score":0.47591954469680786},{"text":"I expect... Expected that.","start_word":1117,"end_word":1120,"sentiment":"neutral","sentiment_score":0.1907634735107422},{"text":"Cool.","start_word":1121,"end_word":1121,"sentiment":"positive","sentiment_score":0.34674572944641113},{"text":"We've still got a good sixteen years until your, like, retirement age that you'd put down for about 1,400 income per week after tax. So Yeah. what that kinda gives us is a good eight to nine years to get huge amounts of growth. And in the last six to eight years, we have to slowly reduce your risk level down. You don't wanna have built up $900 and then lose half of the year before you you go to live on it. Yeah. Yeah. That's right. Yep. Yep. So I can I can sort of keep that one going as is? I honestly don't see anything to change within the portfolio. There was just that one option that we fixed up in March. That was the only one Yep. that was a concern at the time. Yep. Cool. Yep. In terms of contributions, any any kind of updates that we do, am I just factoring in what works putting in? Are you doing any salary sacrifice? Because I know you've got a lot of cash flow priorities at the moment. Yeah. No. We we said that's what we sort of sat down the other day and talked about. We sort of did... Did some projections with salary sacrifice and that and it really isn't that big a difference. But that's where I'm thinking we're gonna pop into our homes because I don't know what's on our first anyway. You know, I Yeah. feel You're that gonna we're do we're a staggered gonna be re... Yeah.","start_word":1122,"end_word":1377,"sentiment":"neutral","sentiment_score":-0.03839041909122898},{"text":"Reasively well. And then, you know, if we can retirement. pump hers up where she can retire, but early knowing that her money is gonna be good when she can access it.","start_word":1378,"end_word":1409,"sentiment":"positive","sentiment_score":0.360754907131195},{"text":"Yeah. How many years difference would it be? She's 38, so she got a bit to do it. Yeah. Okay. Cool. So what that basically means is we really need to focus on, obviously, your property and loan side of things, Yes. finish building off super. And then when you hit your peak, it's kind of pivoting across to hers a lot more for another decade Yeah. or two. Yeah.","start_word":1410,"end_word":1479,"sentiment":"neutral","sentiment_score":0.11143402755260468},{"text":"Cool. Pretty much.","start_word":1480,"end_word":1482,"sentiment":"positive","sentiment_score":0.3953402936458587},{"text":"Alright. So I won't factor in anything additional there. The one thing that I need to sort of work on with you is just quickly updating estate planning and the insurances is the big issue that I can see. Yep. Just before I do that, did you know I'm getting a will in place? We haven't. No. No. We've Still been need really to update hot. it? Yeah. Yeah. We still need to get one, really. Yep. No. That's fair enough. So still need to get a will by power of attorney. She's got... No. No. No. Currently, she's on on my super as benefactor or whatever you wanna... 100 The beneficiary, percent. Chantelle, Yep. knee bone, a 100% nonlapsing Shoot. binding. So just leave that as is. Yeah. Last time I spoke to someone, I said her name is it Nemo and it's Humphreys. Yep. They said they were gonna Humphreys. they were gonna change that.","start_word":1483,"end_word":1639,"sentiment":"neutral","sentiment_score":-0.0035442328080534935},{"text":"Perfect.","start_word":1640,"end_word":1640,"sentiment":"positive","sentiment_score":0.4117994010448456},{"text":"So update that one. So that's gonna reflect on both the life insurance and the super. Correct? Yep. Alright. Sort that out.","start_word":1641,"end_word":1662,"sentiment":"neutral","sentiment_score":0.16707743704319},{"text":"Easy done.","start_word":1663,"end_word":1664,"sentiment":"positive","sentiment_score":0.6411391496658325},{"text":"And because beneficiaries are are kind of provable after the fact, it's really just a a switch of the form that updates. Yes. And then let's say, god forbid, you pass away. She goes, here's my ID. My my name matches.","start_word":1665,"end_word":1705,"sentiment":"neutral","sentiment_score":0.09348782896995544},{"text":"Here's the death certificate, and then it's pretty well done and dusted from that. It's pretty pretty straightforward.","start_word":1706,"end_word":1723,"sentiment":"positive","sentiment_score":0.35408684611320496},{"text":"Yep.","start_word":1724,"end_word":1724,"sentiment":"neutral","sentiment_score":0.22927311062812805},{"text":"Yeah. That's good. Cool.","start_word":1725,"end_word":1728,"sentiment":"positive","sentiment_score":0.5056939721107483},{"text":"When it comes to those insurances, so what you'll see when you look through the pack is you've got the summary of the super insurances. You've got the neos cover. Yep. We've got... When you look through the return pack, you'll see that one option that was in the negatives that we switched out to the one below it that's in the positives. And then when you Yep. look at that NEOS certificate of currency, that you... You're paying quite quite an exorbitant amount for insurances at the moment, and it's still in this thing where through your fifties, it's just gonna skyrocket even further. Yep. K. You're So right. when you've got... After the tax rebate, there's still 13,000 that comes out of the super for all the covers. Yes. So what do I need to look at? You've got 442,000 worth of life and disability insurance, Yes. which clears the majority of the mortgage. Little bit little bit left over still. Once the super comes out, that pretty much clears it. And then it's the income protection that I can see here. We still got... We got you listed as smokers' rates. Yeah. K. Cool. So if we ever can tick with them no nicotine twelve months, they'll pretty much drop the price almost in half. In the meantime, thirty day waiting period, two year benefit period, and it's covering, let's have a look, 5,091 a month worth of income protection. So it's 1,000 a week that you get, and it's protecting an income of 81,000. So if you're off work for six months, does a thousand dollars a week kind of kind of cover it? Yep. One thing I can do is I can look at the waiting period. If you've still got that savings built up, I can see if they can kick it out to sixty or ninety days, and that'll drop the premiums as well. But otherwise, it's just gonna keep going up as it is. Yeah. Right. Right. It probably could probably could push it out to to the noisy days. You know what I mean? Yep. I'll do up an alteration quote for that. Now the occupation probably hasn't changed too much for what I can see. The only question I've got for you is if I look for another provider, they're only gonna offer you 70% income protection, not 75, which Yep. we can still ensure you for the exact amount that you've got currently because you're you're under 70%. So I can look at another person to see if they'll offer something cheaper if you I guess if it's substantial with Gmail, yeah, it's want. it's not Yeah. much If difference. we're talking a few grand, go for it.","start_word":1729,"end_word":2187,"sentiment":"neutral","sentiment_score":-0.032801952237397236},{"text":"If it's a $100,000, it's probably not worth it.","start_word":2188,"end_word":2196,"sentiment":"negative","sentiment_score":-0.47349151968955994},{"text":"Cool. What I needed to ask is in terms of health since 2019, what type of diagnosis, medication, health concerns have you had since 2019 till now? Not not a lot, really. I'm... I had shoulder surgery, but that's that's because I'm damaged at playing sport, but I don't know. I've been I've been healthy. Yep. Yep. Shoulder Yeah. Would've been around... Oh, probably 2021, I reckon. one Any issues since? Was it just done and done, one surgery, fully recovered Yep. type thing? Yep. Pretty much. Cool. So what I need to check with the other insurers is sometimes when you get a reconstruction, they do an exclusion of that body part so you can't claim on it, which isn't Okay. very fun. If it's Yep. fully recovered and there's no pins or metal in the shoulder or anything, they Yeah. might not exclude it. So I'll do an alteration quote with me. I'll see if I can kick the waiting period out. And then with the other providers, if they won't do an exclusion, I'll see if I can get a cheaper price for the same cover.","start_word":2197,"end_word":2385,"sentiment":"neutral","sentiment_score":-0.028946730569399223},{"text":"Yep. Perfect.","start_word":2386,"end_word":2387,"sentiment":"positive","sentiment_score":0.49182096123695374},{"text":"No trauma insurance for heart attack, stroke, and cancer, but that's out of pocket only. And you've got quite a bit for the cash flow to do. So main thing at the moment is I'll see if I can sort the insurance premiums out, and then I'll give you an updated projection in that plan. So if I get some good quotes together, I'll update your plan with all the new projections and everything so you can see kind of how we're tracking. Yep.","start_word":2388,"end_word":2471,"sentiment":"neutral","sentiment_score":0.1967231333255768},{"text":"Awesome.","start_word":2472,"end_word":2472,"sentiment":"positive","sentiment_score":0.4054390490055084},{"text":"I used to be able to log in, but I can't I can't seem to log in now. So if you can send me details on how to, you know, what what website to go to and passwords and that sort of stuff, that'd be ideal. Yep. We should be able to do a bit of a login reset from our end. I'll get that one sorted. And the other thing too, so just with Oakview, our fee structures changed this year. We've added in some tiered discounts for clients above 200,000, which you fall into. So anyone between 200, 500,000, that percentage fee drops from 1.65 down. Yep. There's also partner discounts. If your partner does come on board, we drop it further again. Yep. And once you're above 500,000, there's another discount. So the consent form I've sent you through is for the new percentage, and Yep. that'll kind of remain in place. If we do bring your partner on board, I'll get that applied as well straight away. Yep.","start_word":2473,"end_word":2644,"sentiment":"neutral","sentiment_score":0.08861906826496124},{"text":"Awesome. Cool.","start_word":2645,"end_word":2646,"sentiment":"positive","sentiment_score":0.5265920758247375},{"text":"Alright. So what I'll do, I'll sort out this plan first, give you all the updated figures.","start_word":2647,"end_word":2663,"sentiment":"neutral","sentiment_score":0.1709650605916977},{"text":"If you're happy with that, then we Yep. can touch base with Chantel after that. Awesome, mate. I'll leave that pack with you.","start_word":2664,"end_word":2686,"sentiment":"positive","sentiment_score":0.503144383430481},{"text":"If you've got a minute to hop on and sign that, I'll get it applied to the account.","start_word":2687,"end_word":2704,"sentiment":"neutral","sentiment_score":0.31757810711860657},{"text":"And then in a couple of weeks' time, they'll get you booked in with me to run through those updated quotes and figures.","start_word":2705,"end_word":2727,"sentiment":"positive","sentiment_score":0.34115922451019287},{"text":"Yep. I need to print that to the side. Yeah? No. It's just a sign online if you're Yep. comfortable No. Easy. with the old Yep. DocuSign. Yeah. Yeah. No no worries. Cool. And now what it is is our own, like, custom built system called Odoo. So basically, you get, Yep. like, a blue sign button that brings open all the documents, and you basically just skip through all the ones that don't need a signature where it just says next document so you can look at them. Yep. The very last one after the service guide will be the consent form. It'll have Yep. a validate button at the end to send the copy to yourself and us, and then Yep. it'll let you download a signed copy as well. Four seven. But I've got all that written down. I'll get the... For the beneficiary forms, do you want me to just kind of post them out with a return envelope? Would that be easier than printing and scanning? Yeah. Probably. Cool. Alright. I'll get that posted out as well. I'll just get the team to double check the the Yep. life insurance and the super, see if we need to send out one or two forms. When you get that, if you have any trouble filling it in, just give us a buzz. We can walk you through it pretty quick.","start_word":2728,"end_word":2961,"sentiment":"neutral","sentiment_score":0.11859197169542313},{"text":"Awesome, mate.","start_word":2962,"end_word":2963,"sentiment":"positive","sentiment_score":0.5385441780090332},{"text":"Anything else I can do before I let you go? No. I think that's about it, mate. Anything else? Awesome. No postal addresses or anything. Just do it all to Farrell Street? Yep. Yep.","start_word":2964,"end_word":2997,"sentiment":"neutral","sentiment_score":0.07176584005355835},{"text":"Awesome. Evan, mate, thank you so much for taking some time to kind of reschedule with me.","start_word":2998,"end_word":3014,"sentiment":"positive","sentiment_score":0.5686431053806754},{"text":"Yeah. Pretty important to update a few things and make sure it's tracking well. Yeah. No.","start_word":3015,"end_word":3030,"sentiment":"neutral","sentiment_score":0.2689798176288605},{"text":"Awesome. That's good. Awesome, mate. You have a fantastic week, and I'll talk to you in a couple of weeks' time. Awesome. Thank you very much for that. You too, Evan. Cheers, mate. Bye. See you, mate.","start_word":3031,"end_word":3067,"sentiment":"positive","sentiment_score":0.6791783571243286}],"average":{"sentiment":"neutral","sentiment_score":0.07128510548918761}}}}