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I was just speaking to someone in Victoria who said it was zero this morning, and I'm sitting here running up at fourteen. It's just these Queensland homes are not built well. No. I've got this advice document to send through to you today. How long have you got for me? Perfect. So I'll pop that through to you now. Will you have access to your emails? Sensational. And just while that's coming through, could you please confirm your date of birth and address for security? Thank you, Amelia. And I'm registered with Asic as adviser 1273105. Alrighty. Just to make sure it's not a scam. Alright. So that should pop through pretty quickly. And you're okay for the call to be recorded? Perfect. So the documents that come through today, we've got the advice document with the Gold Coast picture on the front. We've got a Neos alteration quote and a few product disclosure documents attached as well. Now if you can just scroll through with me through page four where we've got the scope of advice. Yeah. It's sort of with the Odoo sign, the numbers are a bit strange. So three, four, and five is your scoping. Cool. So we're just focusing on a bit of an update to the portfolio in the super. I know the typical is doing well, but there was just that one that wasn't doing too well. So I've found a bit of a replacement for that. But I've also got an update on a few options for you just to engine tune up on the portfolio. Insurance wise, we were just looking at a bit of an increase of the income protection to be in line with your the current income. Does that ring a bell? Perfect. Estate planning, we do got some reminders in there just in terms of, you know, beneficiary nominations, wills, hours of attorney, and so on. And we're not giving advice on cash flow and debt management. Pretty well. Oh, I do apologize. Can you hear me okay at the moment? Perfect. I'll just say that in terms of cash flow and debt management, we're not giving advice on those areas today. You're just managing your mortgages and legal concerns and everything personal. Sorry. Is that a bit better? Is it crackly or just cutting out there? Oh, bugger. I hope that's cool. We'll give it a go. Alright. Just in terms of cash flow and debt management, we're not giving advice on that today. You're managing your own, you know, mortgage repayments and legal concerns and so on. Perfect. If you could have a flick through for me, scroll through. We've got the about you section on seven and eight and assets and liabilities, which should all be pretty current. I'm assuming nothing's changed in the last month or two. Perfect. So keep scrolling through. You'll see risk profile on ten and eleven being high growth, not changing the risk level, just updating investments. Keep it in high growth for the time being. Basically, just try and get those high long term returns and then reduce it when you're a bit closer. Cool. If at any point you're uncomfortable with how it's going, I can always, you know, reduce the risk down. Cool. If you go to page twelve and thirteen, you'll see strategy recommendation, pretty text heavy there. And table the Basically, the pros and cons of this is replace the option with a like for like active option that you already had and a bit of a rebalance. All of the investments that we're using are pretty well ETF. There's a bit of brokerage to buy them up front. Yeah. And getting them out of that better long option. Perfect. So the main disadvantage, of course, is just brokerage fees when we're switching investments and a bit of capital gains tax under the hood, which are factored in. If you can have a look at page 15 for me, there's a nice big hefty table of figures under investments there. So the main one to look at here is the second last column has target weight. We're pretty much bringing everything back to round figures, which is a bit of a rebalance. But that second row, better long concentrated equities, that's the one that I'm kind of removing and replacing. And down the bottom, third last row, Alfiniti Australian share, that's one of the replacement options for that. Basically, lower fees, better performance over one, three, five, and ten years, and basically brings everything back on track. And there's a few sectors that I'm switching around from, you know, Japan and Europe and so on to a few updated areas, which is mainly like health care, India, a few sort of sector plays, if that makes sense. K. The other thing too, Amelia, is with your Benelon, there was a bit of cash pulling up there as well. It's they had a bit of a change to the holding, so there wasn't any investments going in while it was going down. So the the cash side, which is really good, and we're just gonna get that invested as well. K? Last couple of pages for the super for me is seventeen and eighteen. There's a pie chart there for asset allocation. Middle row growth total for high growth, you're aiming for about 90% in growth assets. You're sitting at about 70 at the moment because a lot of cash got pulled to the side to not go into that Benelon option. And we're just getting that invested, bringing you back up in line with the risk profile. Cool. Next page after that, the fee comparison. So top right, there's about a thousand bucks of capital gains tax from switching the investments that we factor in. The investment fees will drop in half, So it'll save about $700 there, and that pretty much offsets the increased premiums for the income protection. Down the bottom, five year rolling average, this will bring it back up into double digits again. So high growth, we've got to aim for at least 10% is the average, and this will bring it back up to about 12 with the the fix up of the options. And what you'll like even better is on the next page, we've got a bit of a projection update for you and also a performance table that shows you short, medium, and long term, you know, one, three, five, ten years. Cool. So, again, grain of salt with the market because, you know, stock market, I'm not expecting much over the next twelve months. But, again, long term, 50 to a 100 would be nice as a boost. And the main thing is just that performance table consistently getting double digits across all time frames, not just some of them. K? Any questions on that so far? Do you like what I've come up with? Perfect. Well, at the moment, main plan for you is 40 to 50, get the most growth possible, and then slowly reduce the risk from 50 to 60, and then retire early after that. Will do. I'll do my best. The other thing after that is the Nios increase. So I I did have a bit of a shop around. Nios still came out really good. There's no point trying to overhaul and, you know, replace all the cover with another insurer. Basically, bringing you back up because your policy is twenty twenty twenty one, they insure you for 75% of your income instead of 70. If the government cut that off after October 10937 a month worth of cover from $6.03 $4.06, so that'll bring it back up. The 70% increase in cover, that warranted about a 60% increase in the premium. So not too bad in the increase there. Cool. I have attached oh, included those premiums in the projections as well, but I've also attached a Nios quote, which I'm gonna get refreshed for you because they tend to have a bit of an expiry on them. From this point, I basically just need to get you booked in with Jack and the implementation team to go through the application to increase the income protection. Would you have a bit of time available in just trying to line up with the quote there. Okay. Pop that in. And in terms of timing, the warning best for you? K. Would it be okay if I did the same time on that Friday next week? Yep. Calendar invite for 09:30 next Friday. And in between, I'll just get a bit of a refresh quote off to you as well. Alrighty. Any questions for the car, Amelia? Cool. So from here, basically, once you sign the authority to proceed, we will jump on next week and move the investments around, and we'll send off a request to update the quote with Neos today, and that should be back in time for Friday. If not, I'll get someone to touch base with you straight away just to reschedule. Yes. So that is your basically, your American shares. Top 500 companies in The US is one of your kind of core options that keep you along. So that's definitely one of the best ones. You never wanna get rid of that one. That's probably the most consistent portfolio you could ever have. But around that, we just got a few smaller ones. They're kinda like satellite. They sled dogs that pull you along a little bit quicker, but the main core for you Australian shares options around it as well. And we're keeping a bit of gold because that should be pretty good. Yeah. Correct. Yeah. So, basically, what happened was yeah. That'll get moved into the options above. Beautiful. If you need anything in between, please give us a bell. I will get you a a text message when we send that updated quote through, and I'll send through a calendar invite today. Yep. Mainly just next time we chat, just let us know once it's in place so we can add that onto the file. We don't need to hold a copy of the will or anything like that. We would just like to know that it's sorted so we don't have to keep nagging me about it. Awesome. And if that needs to change anything in terms of beneficiary nominations for life insurance or super, just let us know on the team to sort out the paperwork with you. Oh, let me have a look. Actually, if you don't mind holding for about a minute or two, I'll just have to log in to actually find your beneficiary. Is that okay? Alright. It won't be a moment. Otherwise, have you had a fantastic week, or has it just been chaos after chaos? That's always nice. Alright. So we've got your account open, and we'll grab your beneficiary details. Actually, there's no beneficiary on Netwealth at the moment. Let me have a quick look see Because were you meaning to leave it to who is your intended beneficiary for the sofa? That's alright. So what we're gonna do there is in the will, that should include, like, the superannuation. We do a beneficiary nomination to the estate, and that way it's all captured together. So I'll make sure that gets sorted with you as well. And for the, like, life insurance, are you wanting to do because that can be direct. You don't have to go through a will for life insurance. You just wanna split it between them, or what would fit your preference there? Yep. I'll get the forms off to you as well just in case. Are you okay to kind of print them off an email, or do you want me to post them out? Cool. Just because he'll be out of or not if she's beneficiary, but you gotta get the witness just like you do with the will because they're legal documents. Easy done. Alrighty, Millie. Anything else I can help with before I let you go? No worries. Talk to you next Friday, and just keep an ear out for a few months. Thank you. Have a great weekend. 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morning, Amelia. Tommy here from Oakview, mate. How are you doing this fine Friday? Right. Living the dream.\n\nIt's overcast, freezing, miserable, otherwise perfect. I know. I know. I was just speaking to someone in Victoria who said it was zero this morning, and I'm sitting here running up at fourteen. It's just these Queensland homes are not built well.\n\nNo. I've got this advice document to send through to you today. How long have you got for me? Perfect. So I'll pop that through to you now.\n\nWill you have access to your emails? Sensational. And just while that's coming through, could you please confirm your date of birth and address for security? Thank you, Amelia. And I'm registered with Asic as adviser 1273105.\n\nAlrighty. Just to make sure it's not a scam. Alright. So that should pop through pretty quickly. And you're okay for the call to be recorded?\n\nPerfect. So the documents that come through today, we've got the advice document with the Gold Coast picture on the front. We've got a Neos alteration quote and a few product disclosure documents attached as well. Now if you can just scroll through with me through page four where we've got the scope of advice. Yeah.\n\nIt's sort of with the Odoo sign, the numbers are a bit strange. So three, four, and five is your scoping. Cool. So we're just focusing on a bit of an update to the portfolio in the super. I know the typical is doing well, but there was just that one that wasn't doing too well.\n\nSo I've found a bit of a replacement for that. But I've also got an update on a few options for you just to engine tune up on the portfolio. Insurance wise, we were just looking at a bit of an increase of the income protection to be in line with your the current income. Does that ring a bell? Perfect.\n\nEstate planning, we do got some reminders in there just in terms of, you know, beneficiary nominations, wills, hours of attorney, and so on. And we're not giving advice on cash flow and debt management. Pretty well. Oh, I do apologize. Can you hear me okay at the moment?\n\nPerfect. I'll just say that in terms of cash flow and debt management, we're not giving advice on those areas today. You're just managing your mortgages and legal concerns and everything personal. Sorry. Is that a bit better?\n\nIs it crackly or just cutting out there? Oh, bugger. I hope that's cool. We'll give it a go. Alright.\n\nJust in terms of cash flow and debt management, we're not giving advice on that today. You're managing your own, you know, mortgage repayments and legal concerns and so on. Perfect. If you could have a flick through for me, scroll through. We've got the about you section on seven and eight and assets and liabilities, which should all be pretty current.\n\nI'm assuming nothing's changed in the last month or two. Perfect. So keep scrolling through. You'll see risk profile on ten and eleven being high growth, not changing the risk level, just updating investments. Keep it in high growth for the time being.\n\nBasically, just try and get those high long term returns and then reduce it when you're a bit closer. Cool. If at any point you're uncomfortable with how it's going, I can always, you know, reduce the risk down. Cool. If you go to page twelve and thirteen, you'll see strategy recommendation, pretty text heavy there.\n\nAnd table the Basically, the pros and cons of this is replace the option with a like for like active option that you already had and a bit of a rebalance. All of the investments that we're using are pretty well ETF. There's a bit of brokerage to buy them up front. Yeah. And getting them out of that better long option.\n\nPerfect. So the main disadvantage, of course, is just brokerage fees when we're switching investments and a bit of capital gains tax under the hood, which are factored in. If you can have a look at page 15 for me, there's a nice big hefty table of figures under investments there. So the main one to look at here is the second last column has target weight. We're pretty much bringing everything back to round figures, which is a bit of a rebalance.\n\nBut that second row, better long concentrated equities, that's the one that I'm kind of removing and replacing. And down the bottom, third last row, Alfiniti Australian share, that's one of the replacement options for that. Basically, lower fees, better performance over one, three, five, and ten years, and basically brings everything back on track. And there's a few sectors that I'm switching around from, you know, Japan and Europe and so on to a few updated areas, which is mainly like health care, India, a few sort of sector plays, if that makes sense. K.\n\nThe other thing too, Amelia, is with your Benelon, there was a bit of cash pulling up there as well. It's they had a bit of a change to the holding, so there wasn't any investments going in while it was going down. So the the cash side, which is really good, and we're just gonna get that invested as well. K? Last couple of pages for the super for me is seventeen and eighteen.\n\nThere's a pie chart there for asset allocation. Middle row growth total for high growth, you're aiming for about 90% in growth assets. You're sitting at about 70 at the moment because a lot of cash got pulled to the side to not go into that Benelon option. And we're just getting that invested, bringing you back up in line with the risk profile. Cool.\n\nNext page after that, the fee comparison. So top right, there's about a thousand bucks of capital gains tax from switching the investments that we factor in. The investment fees will drop in half, So it'll save about $700 there, and that pretty much offsets the increased premiums for the income protection. Down the bottom, five year rolling average, this will bring it back up into double digits again. So high growth, we've got to aim for at least 10% is the average, and this will bring it back up to about 12 with the the fix up of the options.\n\nAnd what you'll like even better is on the next page, we've got a bit of a projection update for you and also a performance table that shows you short, medium, and long term, you know, one, three, five, ten years. Cool. So, again, grain of salt with the market because, you know, stock market, I'm not expecting much over the next twelve months. But, again, long term, 50 to a 100 would be nice as a boost. And the main thing is just that performance table consistently getting double digits across all time frames, not just some of them.\n\nK? Any questions on that so far? Do you like what I've come up with? Perfect. Well, at the moment, main plan for you is 40 to 50, get the most growth possible, and then slowly reduce the risk from 50 to 60, and then retire early after that.\n\nWill do. I'll do my best. The other thing after that is the Nios increase. So I I did have a bit of a shop around. Nios still came out really good.\n\nThere's no point trying to overhaul and, you know, replace all the cover with another insurer. Basically, bringing you back up because your policy is twenty twenty twenty one, they insure you for 75% of your income instead of 70. If the government cut that off after October 10937 a month worth of cover from $6.03 $4.06, so that'll bring it back up. The 70% increase in cover, that warranted about a 60% increase in the premium. So not too bad in the increase there.\n\nCool. I have attached oh, included those premiums in the projections as well, but I've also attached a Nios quote, which I'm gonna get refreshed for you because they tend to have a bit of an expiry on them. From this point, I basically just need to get you booked in with Jack and the implementation team to go through the application to increase the income protection. Would you have a bit of time available in just trying to line up with the quote there. Okay.\n\nPop that in. And in terms of timing, the warning best for you? K. Would it be okay if I did the same time on that Friday next week? Yep.\n\nCalendar invite for 09:30 next Friday. And in between, I'll just get a bit of a refresh quote off to you as well. Alrighty. Any questions for the car, Amelia? Cool.\n\nSo from here, basically, once you sign the authority to proceed, we will jump on next week and move the investments around, and we'll send off a request to update the quote with Neos today, and that should be back in time for Friday. If not, I'll get someone to touch base with you straight away just to reschedule. Yes. So that is your basically, your American shares. Top 500 companies in The US is one of your kind of core options that keep you along.\n\nSo that's definitely one of the best ones. You never wanna get rid of that one. That's probably the most consistent portfolio you could ever have. But around that, we just got a few smaller ones. They're kinda like satellite.\n\nThey sled dogs that pull you along a little bit quicker, but the main core for you Australian shares options around it as well. And we're keeping a bit of gold because that should be pretty good. Yeah. Correct. Yeah.\n\nSo, basically, what happened was yeah. That'll get moved into the options above. Beautiful. If you need anything in between, please give us a bell. I will get you a a text message when we send that updated quote through, and I'll send through a calendar invite today.\n\nYep. Mainly just next time we chat, just let us know once it's in place so we can add that onto the file. We don't need to hold a copy of the will or anything like that. We would just like to know that it's sorted so we don't have to keep nagging me about it. Awesome.\n\nAnd if that needs to change anything in terms of beneficiary nominations for life insurance or super, just let us know on the team to sort out the paperwork with you. Oh, let me have a look. Actually, if you don't mind holding for about a minute or two, I'll just have to log in to actually find your beneficiary. Is that okay? Alright.\n\nIt won't be a moment. Otherwise, have you had a fantastic week, or has it just been chaos after chaos? That's always nice. Alright. So we've got your account open, and we'll grab your beneficiary details.\n\nActually, there's no beneficiary on Netwealth at the moment. Let me have a quick look see Because were you meaning to leave it to who is your intended beneficiary for the sofa? That's alright. So what we're gonna do there is in the will, that should include, like, the superannuation. We do a beneficiary nomination to the estate, and that way it's all captured together.\n\nSo I'll make sure that gets sorted with you as well. And for the, like, life insurance, are you wanting to do because that can be direct. You don't have to go through a will for life insurance. You just wanna split it between them, or what would fit your preference there? Yep.\n\nI'll get the forms off to you as well just in case. Are you okay to kind of print them off an email, or do you want me to post them out? Cool. Just because he'll be out of or not if she's beneficiary, but you gotta get the witness just like you do with the will because they're legal documents. Easy done.\n\nAlrighty, Millie. Anything else I can help with before I let you go? No worries. Talk to you next Friday, and just keep an ear out for a few months. Thank you.\n\nHave a great weekend. See you later.","paragraphs":[{"sentences":[{"text":"Good morning, Amelia.","start":1.68,"end":2.56,"sentiment":"positive","sentiment_score":0.36153972148895264},{"text":"Tommy here from Oakview, mate.","start":2.56,"end":3.76,"sentiment":"neutral","sentiment_score":0.2811026245355606},{"text":"How are you doing this fine Friday?","start":3.76,"end":5.14,"sentiment":"neutral","sentiment_score":0.32651035700525555},{"text":"Right.","start":7.68,"end":8.0,"sentiment":"neutral","sentiment_score":0.1431511491537094},{"text":"Living the dream.","start":8.0,"end":8.72,"sentiment":"neutral","sentiment_score":0.09733456621567409}],"sentiment":"neutral","sentiment_score":0.2742557702095885,"num_words":19,"start":1.68,"end":8.72},{"sentences":[{"text":"It's overcast, freezing, miserable, otherwise perfect.","start":8.72,"end":12.0199995,"sentiment":"neutral","sentiment_score":-0.2651921684543292},{"text":"I know.","start":16.235,"end":16.715,"sentiment":"neutral","sentiment_score":-0.1400279700756073},{"text":"I know.","start":16.715,"end":16.955,"sentiment":"neutral","sentiment_score":-0.1353083997964859},{"text":"I was just speaking to someone in Victoria who said it was zero this morning, and I'm sitting here running up at fourteen.","start":16.955,"end":21.835,"sentiment":"neutral","sentiment_score":-0.14800261025843414},{"text":"It's just these Queensland homes are not built well.","start":21.835,"end":24.57,"sentiment":"negative","sentiment_score":-0.4552280406157176}],"sentiment":"neutral","sentiment_score":-0.22959376552275249,"num_words":42,"start":8.72,"end":24.57},{"sentences":[{"text":"No.","start":27.449999,"end":27.77,"sentiment":"neutral","sentiment_score":-0.18840882182121277},{"text":"I've got this advice document to send through to you today.","start":27.77,"end":30.59,"sentiment":"neutral","sentiment_score":-0.06819613447243517},{"text":"How long have you got for me?","start":30.73,"end":32.27,"sentiment":"neutral","sentiment_score":-0.04781590881092208},{"text":"Perfect.","start":39.465,"end":39.965,"sentiment":"positive","sentiment_score":0.4435024559497833},{"text":"So I'll pop that through to you now.","start":40.105,"end":42.364998,"sentiment":"neutral","sentiment_score":0.23591679148375988}],"sentiment":"neutral","sentiment_score":0.03776996875447886,"num_words":28,"start":27.449999,"end":42.364998},{"sentences":[{"text":"Will you have access to your emails?","start":42.585,"end":44.285,"sentiment":"neutral","sentiment_score":0.057874290006501336},{"text":"Sensational.","start":46.905,"end":47.405,"sentiment":"neutral","sentiment_score":0.046408336609601974},{"text":"And just while that's coming through, could you please confirm your date of birth and address for security?","start":47.545,"end":52.445,"sentiment":"neutral","sentiment_score":0.023161997294260397},{"text":"Thank you, Amelia.","start":60.0,"end":60.800003,"sentiment":"neutral","sentiment_score":0.3024197320143382},{"text":"And I'm registered with Asic as adviser 1273105.","start":60.800003,"end":64.575,"sentiment":"neutral","sentiment_score":0.1344837099313736}],"sentiment":"neutral","sentiment_score":0.07706954576880545,"num_words":37,"start":42.585,"end":64.575},{"sentences":[{"text":"Alrighty.","start":65.935,"end":66.435,"sentiment":"neutral","sentiment_score":-0.03886027634143829},{"text":"Just to make sure it's not a scam.","start":68.575,"end":70.354996,"sentiment":"neutral","sentiment_score":-0.20932322926819324},{"text":"Alright.","start":70.735,"end":71.055,"sentiment":"neutral","sentiment_score":0.07332959026098251},{"text":"So that should pop through pretty quickly.","start":71.055,"end":73.155,"sentiment":"neutral","sentiment_score":0.18491116059677942},{"text":"And you're okay for the call to be recorded?","start":73.534996,"end":75.475,"sentiment":"neutral","sentiment_score":0.0279733393755224}],"sentiment":"neutral","sentiment_score":-0.003614551602647855,"num_words":26,"start":65.935,"end":75.475},{"sentences":[{"text":"Perfect.","start":78.03,"end":78.509995,"sentiment":"positive","sentiment_score":0.33410322666168213},{"text":"So the documents that come through today, we've got the advice document with the Gold Coast picture on the front.","start":78.509995,"end":84.28999,"sentiment":"neutral","sentiment_score":0.10744462050497532},{"text":"We've got a Neos alteration quote and a few product disclosure documents attached as well.","start":84.35,"end":90.689995,"sentiment":"neutral","sentiment_score":0.0852800873418649},{"text":"Now if you can just scroll through with me through page four where we've got the scope of advice.","start":91.034996,"end":97.615,"sentiment":"neutral","sentiment_score":0.025100691096955223},{"text":"Yeah.","start":101.034996,"end":101.274994,"sentiment":"neutral","sentiment_score":-0.10752537846565248}],"sentiment":"neutral","sentiment_score":0.07377829820117247,"num_words":56,"start":78.03,"end":101.274994},{"sentences":[{"text":"It's sort of with the Odoo sign, the numbers are a bit strange.","start":101.274994,"end":105.115,"sentiment":"neutral","sentiment_score":-0.1871714935852931},{"text":"So three, four, and five is your scoping.","start":105.115,"end":107.909996,"sentiment":"neutral","sentiment_score":-0.03192410757765174},{"text":"Cool.","start":110.53,"end":111.01,"sentiment":"neutral","sentiment_score":-0.003625486744567752},{"text":"So we're just focusing on a bit of an update to the portfolio in the super.","start":111.01,"end":115.11,"sentiment":"neutral","sentiment_score":0.05525389360263944},{"text":"I know the typical is doing well, but there was just that one that wasn't doing too well.","start":115.729996,"end":119.985,"sentiment":"neutral","sentiment_score":-0.04514240370028549}],"sentiment":"neutral","sentiment_score":-0.04679908451674107,"num_words":56,"start":101.274994,"end":119.985},{"sentences":[{"text":"So I've found a bit of a replacement for that.","start":119.985,"end":122.245,"sentiment":"neutral","sentiment_score":-0.014226880762726069},{"text":"But I've also got an update on a few options for you just to engine tune up on the portfolio.","start":122.385,"end":128.965,"sentiment":"neutral","sentiment_score":0.11605739407241344},{"text":"Insurance wise, we were just looking at a bit of an increase of the income protection to be in line with your the current income.","start":130.465,"end":137.97,"sentiment":"neutral","sentiment_score":0.020103805921971796},{"text":"Does that ring a bell?","start":137.97,"end":139.03,"sentiment":"neutral","sentiment_score":0.021004997566342352},{"text":"Perfect.","start":140.69,"end":141.19,"sentiment":"positive","sentiment_score":0.3811500072479248}],"sentiment":"neutral","sentiment_score":0.05192867568770393,"num_words":61,"start":119.985,"end":141.19},{"sentences":[{"text":"Estate planning, we do got some reminders in there just in terms of, you know, beneficiary nominations, wills, hours of attorney, and so on.","start":141.65001,"end":148.79001,"sentiment":"neutral","sentiment_score":0.09942871696936588},{"text":"And we're not giving advice on cash flow and debt management.","start":149.05501,"end":153.155,"sentiment":"neutral","sentiment_score":-0.1342208395627412},{"text":"Pretty well.","start":157.13501,"end":157.955,"sentiment":"neutral","sentiment_score":0.065659174695611},{"text":"Oh, I do apologize.","start":163.03,"end":164.17,"sentiment":"neutral","sentiment_score":-0.1660345382988453},{"text":"Can you hear me okay at the moment?","start":165.18999,"end":166.89,"sentiment":"neutral","sentiment_score":-0.07775627356022596}],"sentiment":"neutral","sentiment_score":-0.005000204494108959,"num_words":49,"start":141.65001,"end":166.89},{"sentences":[{"text":"Perfect.","start":169.03,"end":169.53,"sentiment":"neutral","sentiment_score":0.13622532784938812},{"text":"I'll just say that in terms of cash flow and debt management, we're not giving advice on those areas today.","start":169.90999,"end":174.89,"sentiment":"neutral","sentiment_score":-0.15611034948378802},{"text":"You're just managing your mortgages and legal concerns and everything personal.","start":175.03,"end":179.52501,"sentiment":"neutral","sentiment_score":-0.2163098698312586},{"text":"Sorry.","start":181.82501,"end":182.225,"sentiment":"neutral","sentiment_score":-0.19735272228717804},{"text":"Is that a bit better?","start":182.225,"end":183.365,"sentiment":"neutral","sentiment_score":-0.23435335159301757}],"sentiment":"neutral","sentiment_score":-0.1772239397426969,"num_words":38,"start":169.03,"end":183.365},{"sentences":[{"text":"Is it crackly or just cutting out there?","start":186.945,"end":189.445,"sentiment":"neutral","sentiment_score":-0.15429530665278435},{"text":"Oh, bugger.","start":190.26,"end":194.57999,"sentiment":"neutral","sentiment_score":-0.18824774771928787},{"text":"I hope that's cool.","start":194.57999,"end":197.37999,"sentiment":"neutral","sentiment_score":0.24965953826904297},{"text":"We'll give it a go.","start":197.37999,"end":198.51999,"sentiment":"neutral","sentiment_score":0.2204882472753525},{"text":"Alright.","start":200.26,"end":200.76,"sentiment":"neutral","sentiment_score":0.1310833990573883}],"sentiment":"neutral","sentiment_score":0.031065241992473604,"num_words":20,"start":186.945,"end":200.76},{"sentences":[{"text":"Just in terms of cash flow and debt management, we're not giving advice on that today.","start":203.16501,"end":207.345,"sentiment":"neutral","sentiment_score":-0.1413919774349779},{"text":"You're managing your own, you know, mortgage repayments and legal concerns and so on.","start":207.725,"end":211.905,"sentiment":"neutral","sentiment_score":-0.10103777849248477},{"text":"Perfect.","start":213.405,"end":213.905,"sentiment":"neutral","sentiment_score":0.229946106672287},{"text":"If you could have a flick through for me, scroll through.","start":214.445,"end":218.14,"sentiment":"neutral","sentiment_score":0.1100814173167402},{"text":"We've got the about you section on seven and eight and assets and liabilities, which should all be pretty current.","start":218.14,"end":224.14,"sentiment":"neutral","sentiment_score":0.06291942913085222}],"sentiment":"neutral","sentiment_score":-0.015767262227112246,"num_words":62,"start":203.16501,"end":224.14},{"sentences":[{"text":"I'm assuming nothing's changed in the last month or two.","start":224.14,"end":226.87999,"sentiment":"neutral","sentiment_score":-0.004164850898087024},{"text":"Perfect.","start":229.26,"end":229.76,"sentiment":"neutral","sentiment_score":0.09844648838043212},{"text":"So keep scrolling through.","start":230.235,"end":231.915,"sentiment":"neutral","sentiment_score":0.013404641300439835},{"text":"You'll see risk profile on ten and eleven being high growth, not changing the risk level, just updating investments.","start":231.915,"end":238.415,"sentiment":"neutral","sentiment_score":0.016862478107213974},{"text":"Keep it in high growth for the time being.","start":247.84001,"end":249.86,"sentiment":"neutral","sentiment_score":0.06299507286813524}],"sentiment":"neutral","sentiment_score":0.023203704289572184,"num_words":43,"start":224.14,"end":249.86},{"sentences":[{"text":"Basically, just try and get those high long term returns and then reduce it when you're a bit closer.","start":251.12001,"end":255.22,"sentiment":"neutral","sentiment_score":0.07355126140541152},{"text":"Cool.","start":257.345,"end":257.845,"sentiment":"neutral","sentiment_score":0.23945775628089905},{"text":"If at any point you're uncomfortable with how it's going, I can always, you know, reduce the risk down.","start":258.625,"end":263.605,"sentiment":"neutral","sentiment_score":-0.04116416487254595},{"text":"Cool.","start":266.145,"end":266.645,"sentiment":"neutral","sentiment_score":0.32444751262664795},{"text":"If you go to page twelve and thirteen, you'll see strategy recommendation, pretty text heavy there.","start":267.025,"end":273.21,"sentiment":"neutral","sentiment_score":0.11749244504608214}],"sentiment":"neutral","sentiment_score":0.05462748613873763,"num_words":56,"start":251.12001,"end":273.21},{"sentences":[{"text":"And table the Basically, the pros and cons of this is replace the option with a like for like active option that you already had and a bit of a rebalance.","start":273.43,"end":285.845,"sentiment":"neutral","sentiment_score":-0.024826352925775872},{"text":"All of the investments that we're using are pretty well ETF.","start":286.385,"end":289.42502,"sentiment":"neutral","sentiment_score":0.11759941550818356},{"text":"There's a bit of brokerage to buy them up front.","start":289.42502,"end":292.08502,"sentiment":"neutral","sentiment_score":-0.057890564948320386},{"text":"Yeah.","start":297.28,"end":297.52,"sentiment":"neutral","sentiment_score":-0.018260031938552856},{"text":"And getting them out of that better long option.","start":297.52,"end":299.62,"sentiment":"neutral","sentiment_score":-0.03606198148594962}],"sentiment":"neutral","sentiment_score":-0.006415272337166713,"num_words":62,"start":273.43,"end":299.62},{"sentences":[{"text":"Perfect.","start":303.36,"end":303.86,"sentiment":"neutral","sentiment_score":0.24309700727462769},{"text":"So the main disadvantage, of course, is just brokerage fees when we're switching investments and a bit of capital gains tax under the hood, which are factored in.","start":304.24,"end":314.04498,"sentiment":"neutral","sentiment_score":-0.22956059048218386},{"text":"If you can have a look at page 15 for me, there's a nice big hefty table of figures under investments there.","start":314.50497,"end":321.0,"sentiment":"neutral","sentiment_score":-0.05744182792576877},{"text":"So the main one to look at here is the second last column has target weight.","start":323.4,"end":328.06,"sentiment":"neutral","sentiment_score":-0.006781252799555659},{"text":"We're pretty much bringing everything back to round figures, which is a bit of a rebalance.","start":328.28,"end":332.38,"sentiment":"neutral","sentiment_score":-0.11293434351682663}],"sentiment":"neutral","sentiment_score":-0.11281649736934397,"num_words":83,"start":303.36,"end":332.38},{"sentences":[{"text":"But that second row, better long concentrated equities, that's the one that I'm kind of removing and replacing.","start":332.92,"end":339.535,"sentiment":"neutral","sentiment_score":-0.16218524633182418},{"text":"And down the bottom, third last row, Alfiniti Australian share, that's one of the replacement options for that.","start":342.155,"end":350.28,"sentiment":"neutral","sentiment_score":0.11399676650762558},{"text":"Basically, lower fees, better performance over one, three, five, and ten years, and basically brings everything back on track.","start":352.36,"end":359.56,"sentiment":"positive","sentiment_score":0.6529641700418372},{"text":"And there's a few sectors that I'm switching around from, you know, Japan and Europe and so on to a few updated areas, which is mainly like health care, India, a few sort of sector plays, if that makes sense.","start":359.56,"end":373.08502,"sentiment":"neutral","sentiment_score":0.290861776471138},{"text":"K.","start":378.42,"end":378.92,"sentiment":"neutral","sentiment_score":0.10435180366039276}],"sentiment":"neutral","sentiment_score":0.24247655683817962,"num_words":96,"start":332.92,"end":378.92},{"sentences":[{"text":"The other thing too, Amelia, is with your Benelon, there was a bit of cash pulling up there as well.","start":379.22,"end":385.72,"sentiment":"neutral","sentiment_score":0.08691397421061993},{"text":"It's they had a bit of a change to the holding, so there wasn't any investments going in while it was going down.","start":386.02002,"end":393.24002,"sentiment":"neutral","sentiment_score":0.012435056998029999},{"text":"So the the cash side, which is really good, and we're just gonna get that invested as well.","start":394.605,"end":399.825,"sentiment":"positive","sentiment_score":0.37122761665119064},{"text":"K?","start":401.805,"end":402.305,"sentiment":"neutral","sentiment_score":0.05848568677902222},{"text":"Last couple of pages for the super for me is seventeen and eighteen.","start":403.005,"end":406.85,"sentiment":"neutral","sentiment_score":0.07423579234343308}],"sentiment":"neutral","sentiment_score":0.1297324517617623,"num_words":75,"start":379.22,"end":406.85},{"sentences":[{"text":"There's a pie chart there for asset allocation.","start":406.85,"end":409.27002,"sentiment":"neutral","sentiment_score":0.053068561013787985},{"text":"Middle row growth total for high growth, you're aiming for about 90% in growth assets.","start":411.81,"end":417.11002,"sentiment":"neutral","sentiment_score":0.1673770561814308},{"text":"You're sitting at about 70 at the moment because a lot of cash got pulled to the side to not go into that Benelon option.","start":417.17,"end":423.29498,"sentiment":"neutral","sentiment_score":0.034453547149896624},{"text":"And we're just getting that invested, bringing you back up in line with the risk profile.","start":423.35498,"end":427.29498,"sentiment":"neutral","sentiment_score":0.2018227931112051},{"text":"Cool.","start":430.155,"end":430.655,"sentiment":"positive","sentiment_score":0.3423025906085968}],"sentiment":"neutral","sentiment_score":0.1133540044610317,"num_words":65,"start":406.85,"end":430.655},{"sentences":[{"text":"Next page after that, the fee comparison.","start":431.035,"end":434.63,"sentiment":"neutral","sentiment_score":0.16939961058752878},{"text":"So top right, there's about a thousand bucks of capital gains tax from switching the investments that we factor in.","start":435.49,"end":442.15,"sentiment":"neutral","sentiment_score":0.21961970776319503},{"text":"The investment fees will drop in half, So it'll save about $700 there, and that pretty much offsets the increased premiums for the income protection.","start":442.77,"end":452.405,"sentiment":"neutral","sentiment_score":0.30142301201820376},{"text":"Down the bottom, five year rolling average, this will bring it back up into double digits again.","start":455.505,"end":460.325,"sentiment":"positive","sentiment_score":0.5056973800939673},{"text":"So high growth, we've got to aim for at least 10% is the average, and this will bring it back up to about 12 with the the fix up of the options.","start":460.385,"end":469.26,"sentiment":"positive","sentiment_score":0.461769693531096}],"sentiment":"positive","sentiment_score":0.3612599245982595,"num_words":101,"start":431.035,"end":469.26},{"sentences":[{"text":"And what you'll like even better is on the next page, we've got a bit of a projection update for you and also a performance table that shows you short, medium, and long term, you know, one, three, five, ten years.","start":472.84003,"end":484.475,"sentiment":"neutral","sentiment_score":0.2804402752620418},{"text":"Cool.","start":487.73502,"end":488.21503,"sentiment":"positive","sentiment_score":0.6823852062225342},{"text":"So, again, grain of salt with the market because, you know, stock market, I'm not expecting much over the next twelve months.","start":488.21503,"end":495.73,"sentiment":"neutral","sentiment_score":0.01050018502229994},{"text":"But, again, long term, 50 to a 100 would be nice as a boost.","start":495.95,"end":499.81003,"sentiment":"positive","sentiment_score":0.41381840461066793},{"text":"And the main thing is just that performance table consistently getting double digits across all time frames, not just some of them.","start":500.11002,"end":507.325,"sentiment":"neutral","sentiment_score":0.29224452850493515}],"sentiment":"neutral","sentiment_score":0.24634277854114772,"num_words":100,"start":472.84003,"end":507.325},{"sentences":[{"text":"K?","start":509.385,"end":509.885,"sentiment":"neutral","sentiment_score":0.04895830154418945},{"text":"Any questions on that so far?","start":510.025,"end":511.305,"sentiment":"neutral","sentiment_score":0.07010125865538915},{"text":"Do you like what I've come up with?","start":511.305,"end":512.845,"sentiment":"neutral","sentiment_score":0.10133296623826027},{"text":"Perfect.","start":525.32,"end":525.82,"sentiment":"positive","sentiment_score":0.35863709449768066},{"text":"Well, at the moment, main plan for you is 40 to 50, get the most growth possible, and then slowly reduce the risk from 50 to 60, and then retire early after that.","start":528.40497,"end":540.18,"sentiment":"neutral","sentiment_score":0.10842449071280884}],"sentiment":"neutral","sentiment_score":0.10646683411026488,"num_words":49,"start":509.385,"end":540.18},{"sentences":[{"text":"Will do.","start":544.1,"end":544.58,"sentiment":"neutral","sentiment_score":0.27067336440086365},{"text":"I'll do my best.","start":544.58,"end":545.64,"sentiment":"neutral","sentiment_score":0.3045934960246086},{"text":"The other thing after that is the Nios increase.","start":546.26,"end":551.08,"sentiment":"neutral","sentiment_score":0.16044919192790985},{"text":"So I I did have a bit of a shop around.","start":551.14,"end":553.3,"sentiment":"neutral","sentiment_score":0.12800136818127197},{"text":"Nios still came out really good.","start":553.3,"end":554.955,"sentiment":"positive","sentiment_score":0.43008499840895337}],"sentiment":"neutral","sentiment_score":0.2247590150218457,"num_words":32,"start":544.1,"end":554.955},{"sentences":[{"text":"There's no point trying to overhaul and, you know, replace all the cover with another insurer.","start":554.955,"end":560.175,"sentiment":"neutral","sentiment_score":0.010449151275679469},{"text":"Basically, bringing you back up because your policy is twenty twenty twenty one, they insure you for 75% of your income instead of 70.","start":562.79504,"end":571.22,"sentiment":"neutral","sentiment_score":0.09296709625050426},{"text":"If the government cut that off after October 10937 a month worth of cover from $6.03 $4.06, so that'll bring it back up.","start":571.36,"end":584.115,"sentiment":"neutral","sentiment_score":0.057366385327085205},{"text":"The 70% increase in cover, that warranted about a 60% increase in the premium.","start":584.655,"end":590.995,"sentiment":"neutral","sentiment_score":0.11502861364611558},{"text":"So not too bad in the increase there.","start":591.055,"end":594.06,"sentiment":"positive","sentiment_score":0.3658812902867794}],"sentiment":"neutral","sentiment_score":0.09712087654453867,"num_words":85,"start":554.955,"end":594.06},{"sentences":[{"text":"Cool.","start":596.75995,"end":597.25995,"sentiment":"positive","sentiment_score":0.6528668999671936},{"text":"I have attached oh, included those premiums in the projections as well, but I've also attached a Nios quote, which I'm gonna get refreshed for you because they tend to have a bit of an expiry on them.","start":598.27997,"end":610.415,"sentiment":"neutral","sentiment_score":0.22794204871905477},{"text":"From this point, I basically just need to get you booked in with Jack and the implementation team to go through the application to increase the income protection.","start":612.15497,"end":621.85,"sentiment":"neutral","sentiment_score":0.17733393795788288},{"text":"Would you have a bit of time available in just trying to line up with the quote there.","start":624.71,"end":631.77,"sentiment":"neutral","sentiment_score":0.0763542428612709},{"text":"Okay.","start":642.98505,"end":643.48505,"sentiment":"neutral","sentiment_score":0.08771640062332153}],"sentiment":"neutral","sentiment_score":0.18304776495625807,"num_words":86,"start":596.75995,"end":643.48505},{"sentences":[{"text":"Pop that in.","start":645.31,"end":646.11,"sentiment":"neutral","sentiment_score":0.07621875156958897},{"text":"And in terms of timing, the warning best for you?","start":646.11,"end":649.81,"sentiment":"neutral","sentiment_score":0.009585535153746605},{"text":"K.","start":652.91,"end":653.39,"sentiment":"neutral","sentiment_score":0.02310836687684059},{"text":"Would it be okay if I did the same time on that Friday next week?","start":653.39,"end":656.955,"sentiment":"neutral","sentiment_score":0.04049651237825553},{"text":"Yep.","start":661.835,"end":662.23505,"sentiment":"neutral","sentiment_score":0.03622078523039818}],"sentiment":"neutral","sentiment_score":0.03304294813424349,"num_words":30,"start":645.31,"end":662.23505},{"sentences":[{"text":"Calendar invite for 09:30 next Friday.","start":662.23505,"end":666.495,"sentiment":"neutral","sentiment_score":0.03575377631932497},{"text":"And in between, I'll just get a bit of a refresh quote off to you as well.","start":670.11005,"end":674.69,"sentiment":"neutral","sentiment_score":0.10586146462489576},{"text":"Alrighty.","start":675.71,"end":676.21,"sentiment":"neutral","sentiment_score":0.08696361631155014},{"text":"Any questions for the car, Amelia?","start":676.83,"end":678.61005,"sentiment":"neutral","sentiment_score":0.06698146214087804},{"text":"Cool.","start":680.91003,"end":681.315,"sentiment":"neutral","sentiment_score":0.2971571385860443}],"sentiment":"neutral","sentiment_score":0.09032829304135614,"num_words":31,"start":662.23505,"end":681.315},{"sentences":[{"text":"So from here, basically, once you sign the authority to proceed, we will jump on next week and move the investments around, and we'll send off a request to update the quote with Neos today, and that should be back in time for Friday.","start":681.395,"end":695.335,"sentiment":"neutral","sentiment_score":0.11582633886824954},{"text":"If not, I'll get someone to touch base with you straight away just to reschedule.","start":695.68,"end":699.14,"sentiment":"neutral","sentiment_score":0.04906811453402042},{"text":"Yes.","start":710.0,"end":710.5,"sentiment":"neutral","sentiment_score":0.02946159616112709},{"text":"So that is your basically, your American shares.","start":722.625,"end":726.40497,"sentiment":"neutral","sentiment_score":0.03789717052131891},{"text":"Top 500 companies in The US is one of your kind of core options that keep you along.","start":728.39,"end":733.61,"sentiment":"neutral","sentiment_score":0.11441359751754338}],"sentiment":"neutral","sentiment_score":0.09563330632396215,"num_words":86,"start":681.395,"end":733.61},{"sentences":[{"text":"So that's definitely one of the best ones.","start":737.35,"end":738.87,"sentiment":"positive","sentiment_score":0.5458770394325256},{"text":"You never wanna get rid of that one.","start":738.87,"end":740.15,"sentiment":"neutral","sentiment_score":0.25941520370543003},{"text":"That's probably the most consistent portfolio you could ever have.","start":740.15,"end":744.635,"sentiment":"positive","sentiment_score":0.5003313302993775},{"text":"But around that, we just got a few smaller ones.","start":745.09503,"end":747.49506,"sentiment":"neutral","sentiment_score":0.08008698597550393},{"text":"They're kinda like satellite.","start":747.49506,"end":748.695,"sentiment":"neutral","sentiment_score":0.1434801109135151}],"sentiment":"neutral","sentiment_score":0.32051103878766296,"num_words":40,"start":737.35,"end":748.695},{"sentences":[{"text":"They sled dogs that pull you along a little bit quicker, but the main core for you Australian shares options around it as well.","start":748.695,"end":759.01996,"sentiment":"neutral","sentiment_score":0.14234481006860733},{"text":"And we're keeping a bit of gold because that should be pretty good.","start":759.87994,"end":762.94,"sentiment":"positive","sentiment_score":0.34682944416999817},{"text":"Yeah.","start":767.07996,"end":767.31995,"sentiment":"neutral","sentiment_score":0.06529499590396881},{"text":"Correct.","start":767.31995,"end":767.81995,"sentiment":"neutral","sentiment_score":0.08473506569862366},{"text":"Yeah.","start":768.36,"end":768.855,"sentiment":"neutral","sentiment_score":0.06446310877799988}],"sentiment":"neutral","sentiment_score":0.20348878465592862,"num_words":40,"start":748.695,"end":768.855},{"sentences":[{"text":"So, basically, what happened was yeah.","start":769.33496,"end":774.855,"sentiment":"neutral","sentiment_score":0.038966450840234756},{"text":"That'll get moved into the options above.","start":774.855,"end":777.27496,"sentiment":"neutral","sentiment_score":0.04754582233726978},{"text":"Beautiful.","start":784.71,"end":785.21,"sentiment":"positive","sentiment_score":0.735088586807251},{"text":"If you need anything in between, please give us a bell.","start":786.71,"end":789.37,"sentiment":"neutral","sentiment_score":0.21900325200774454},{"text":"I will get you a a text message when we send that updated quote through, and I'll send through a calendar invite today.","start":789.67,"end":796.935,"sentiment":"neutral","sentiment_score":0.2248286494742269}],"sentiment":"neutral","sentiment_score":0.18503755746254077,"num_words":48,"start":769.33496,"end":796.935},{"sentences":[{"text":"Yep.","start":803.555,"end":804.055,"sentiment":"neutral","sentiment_score":0.06021834537386894},{"text":"Mainly just next time we chat, just let us know once it's in place so we can add that onto the file.","start":808.29,"end":812.85,"sentiment":"neutral","sentiment_score":0.1482308300381357},{"text":"We don't need to hold a copy of the will or anything like that.","start":812.85,"end":815.57,"sentiment":"neutral","sentiment_score":0.045113551297358105},{"text":"We would just like to know that it's sorted so we don't have to keep nagging me about it.","start":815.57,"end":819.765,"sentiment":"neutral","sentiment_score":0.1272161791199132},{"text":"Awesome.","start":825.685,"end":826.16504,"sentiment":"positive","sentiment_score":0.4761450290679931}],"sentiment":"neutral","sentiment_score":0.1201076974863546,"num_words":57,"start":803.555,"end":826.16504},{"sentences":[{"text":"And if that needs to change anything in terms of beneficiary nominations for life insurance or super, just let us know on the team to sort out the paperwork with you.","start":826.16504,"end":834.69,"sentiment":"neutral","sentiment_score":0.1170892648158535},{"text":"Oh, let me have a look.","start":844.69,"end":847.03,"sentiment":"neutral","sentiment_score":0.02836733963340521},{"text":"Actually, if you don't mind holding for about a minute or two, I'll just have to log in to actually find your beneficiary.","start":847.575,"end":853.35504,"sentiment":"neutral","sentiment_score":0.044967945179213646},{"text":"Is that okay?","start":853.655,"end":854.555,"sentiment":"neutral","sentiment_score":0.09341459721326828},{"text":"Alright.","start":858.695,"end":859.09503,"sentiment":"neutral","sentiment_score":0.04200035706162453}],"sentiment":"neutral","sentiment_score":0.08056997085805051,"num_words":64,"start":826.16504,"end":859.09503},{"sentences":[{"text":"It won't be a moment.","start":859.09503,"end":860.23505,"sentiment":"neutral","sentiment_score":-0.023276834934949874},{"text":"Otherwise, have you had a fantastic week, or has it just been chaos after chaos?","start":862.33,"end":865.87,"sentiment":"neutral","sentiment_score":0.22485287686189015},{"text":"That's always nice.","start":881.08496,"end":882.305,"sentiment":"positive","sentiment_score":0.7014365196228027},{"text":"Alright.","start":884.925,"end":885.425,"sentiment":"neutral","sentiment_score":0.19498074054718015},{"text":"So we've got your account open, and we'll grab your beneficiary details.","start":885.565,"end":894.88,"sentiment":"neutral","sentiment_score":0.1301668987919887}],"sentiment":"neutral","sentiment_score":0.19771394619925153,"num_words":36,"start":859.09503,"end":894.88},{"sentences":[{"text":"Actually, there's no beneficiary on Netwealth at the moment.","start":898.7,"end":901.68,"sentiment":"neutral","sentiment_score":-0.06328743572036426},{"text":"Let me have a quick look see Because were you meaning to leave it to who is your intended beneficiary for the sofa?","start":901.74,"end":911.695,"sentiment":"neutral","sentiment_score":-0.01090660403766062},{"text":"That's alright.","start":923.85004,"end":924.41003,"sentiment":"neutral","sentiment_score":0.09589468315243721},{"text":"So what we're gonna do there is in the will, that should include, like, the superannuation.","start":924.41003,"end":929.07,"sentiment":"neutral","sentiment_score":0.11777773685753345},{"text":"We do a beneficiary nomination to the estate, and that way it's all captured together.","start":929.945,"end":935.885,"sentiment":"neutral","sentiment_score":0.14728617618481318}],"sentiment":"neutral","sentiment_score":0.0533090305299713,"num_words":65,"start":898.7,"end":935.885},{"sentences":[{"text":"So I'll make sure that gets sorted with you as well.","start":936.265,"end":939.245,"sentiment":"neutral","sentiment_score":0.1812175607139414},{"text":"And for the, like, life insurance, are you wanting to do because that can be direct.","start":939.46497,"end":944.57,"sentiment":"neutral","sentiment_score":0.10442767851054668},{"text":"You don't have to go through a will for life insurance.","start":944.57,"end":946.91003,"sentiment":"neutral","sentiment_score":0.08395639637654478},{"text":"You just wanna split it between them, or what would fit your preference there?","start":947.29004,"end":950.67004,"sentiment":"neutral","sentiment_score":0.09726264992994922},{"text":"Yep.","start":959.445,"end":959.765,"sentiment":"neutral","sentiment_score":0.13311563432216644}],"sentiment":"neutral","sentiment_score":0.11476507768878397,"num_words":53,"start":936.265,"end":959.765},{"sentences":[{"text":"I'll get the forms off to you as well just in case.","start":959.765,"end":962.66504,"sentiment":"neutral","sentiment_score":0.13902644192179045},{"text":"Are you okay to kind of print them off an email, or do you want me to post them out?","start":963.205,"end":967.38,"sentiment":"neutral","sentiment_score":0.07507192473858595},{"text":"Cool.","start":971.3,"end":971.62,"sentiment":"neutral","sentiment_score":0.20779700577259064},{"text":"Just because he'll be out of or not if she's beneficiary, but you gotta get the witness just like you do with the will because they're legal documents.","start":971.62,"end":979.16003,"sentiment":"neutral","sentiment_score":0.08046760383461203},{"text":"Easy done.","start":982.995,"end":983.635,"sentiment":"positive","sentiment_score":0.39451901614665985}],"sentiment":"neutral","sentiment_score":0.10189974195663891,"num_words":63,"start":959.765,"end":983.635},{"sentences":[{"text":"Alrighty, Millie.","start":983.635,"end":984.275,"sentiment":"neutral","sentiment_score":0.25365355610847473},{"text":"Anything else I can help with before I let you go?","start":984.275,"end":986.375,"sentiment":"neutral","sentiment_score":0.18419288234277206},{"text":"No worries.","start":989.955,"end":990.515,"sentiment":"neutral","sentiment_score":0.2807695120573044},{"text":"Talk to you next Friday, and just keep an ear out for a few months.","start":990.515,"end":994.135,"sentiment":"neutral","sentiment_score":0.2473812073469162},{"text":"Thank you.","start":997.673,"end":998.07294,"sentiment":"positive","sentiment_score":0.8110216856002808}],"sentiment":"neutral","sentiment_score":0.2633665413595736,"num_words":32,"start":983.635,"end":998.07294},{"sentences":[{"text":"Have a great weekend.","start":998.07294,"end":998.873,"sentiment":"positive","sentiment_score":0.8071824610233307},{"text":"See you later.","start":998.873,"end":999.613,"sentiment":"positive","sentiment_score":0.6610501209894816}],"sentiment":"positive","sentiment_score":0.7445543152945382,"num_words":7,"start":998.07294,"end":999.613}]}}]},{"alternatives":[{"transcript":"Kelly speaking. Speaking. Good. How are you? You have no idea what call it is, Tommy, but that's okay. No. They're not. How long do you need? Yeah. That's fine. Let's do it. Yeah. I'm on it right now. Third of the first nineteen eighty six, Number 4 Bifield Road, Parkerville, WA 6081. Thank god. I was worried. Yeah. I'm on it now. Yep. Go for it. Okay. Age five? Okay. Okay. Got it. Okay. Yep. Yep. Oh, tell me you keep cutting out. Are you there? Yeah. That's better. Nope. I've lost you again. Why do I keep losing you? A little bit. No. It just completely goes black. Blank. That's okay. Give it a go. So what did you say before? Yeah. Of course. Yeah. Yep. Not all good. I think did we talk about changing the risk profile, or are we we're gonna keep it in high growth? Okay. Okay. Go for it. Yep. No. I'm good. Mhmm. Was that what we were doing? We were getting our investments out of one country and putting them into another. Okay. That's what we're doing. That reminds me. Yep. Okay. Yep. Okay. Okay. Okay. Mhmm. Okay. Yep. Yep. Okay. Cool. Good. I like that. Okay. Projections look good. Very good. Yeah. Of course. Yeah. Yep. Yeah. No. I like it. And do we I mean, I would sort of judge on my age. I think we would stay in more of a high risk whilst I'm still younger. Well, keep watching it. Keep watching it. We're up. I like this. Yep. Okay. Retire me early, please, Tommy. Thank you. Okay. Okay. Yep. That's fine. Okay. Friday is generally always good, so let's do next Friday. Yep. Yeah. Perfect. Just as long as you send me a calendar invite. Otherwise, I'll lose it. Mhmm. That was good. Mhmm. Okay. One of the investments was doing very well. I need to go investigate. Where is that page? The iShares, the S and P 500? What is that? What's it then? Okay. Cool. Okay. And the cash account, you're gonna reinvest what's in the cash account into other stuff. Is that what that means? Okay. So the cash account is gonna be moved. Okay. Cool. Do it. I will sign this now. Yeah. Okay. And my sister is working on my updated will, etcetera, because we just need to protect some stuff. Do you need updates on that? Yep. Okay. I'll get it sorted with her over the by the end of the month. Okay. I think she gets it all. Does she get it? Or does my mom get it? I don't know who gets my super. Yeah. That's fine. It's been pretty hectic at the minute. I'm not gonna lie, but that's it's good busy. Yeah. Making money. Busy. My sister well, my mom and my sister will split my estate until unless my mom dies, then my sister gets everything. Yeah. Let me talk to her first. This is her game. So I'll work out she can work out what to do, and I'll email you the outcome. I'll print them an email. It's fine. Yeah. No problem. I'll sort of that. That's it. Appreciate it, Tommy. Alright. Chat then. Bye bye. 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speaking. Speaking. Good. How are you? You have no idea what call it is, Tommy, but that's okay.\n\nNo. They're not. How long do you need? Yeah. That's fine.\n\nLet's do it. Yeah. I'm on it right now. Third of the first nineteen eighty six, Number 4 Bifield Road, Parkerville, WA 6081. Thank god.\n\nI was worried. Yeah. I'm on it now. Yep. Go for it.\n\nOkay. Age five? Okay. Okay. Got it.\n\nOkay. Yep. Yep. Oh, tell me you keep cutting out. Are you there?\n\nYeah. That's better. Nope. I've lost you again. Why do I keep losing you?\n\nA little bit. No. It just completely goes black. Blank. That's okay.\n\nGive it a go. So what did you say before? Yeah. Of course. Yeah.\n\nYep. Not all good. I think did we talk about changing the risk profile, or are we we're gonna keep it in high growth? Okay. Okay.\n\nGo for it. Yep. No. I'm good. Mhmm.\n\nWas that what we were doing? We were getting our investments out of one country and putting them into another. Okay. That's what we're doing. That reminds me.\n\nYep. Okay. Yep. Okay. Okay.\n\nOkay. Mhmm. Okay. Yep. Yep.\n\nOkay. Cool. Good. I like that. Okay.\n\nProjections look good. Very good. Yeah. Of course. Yeah.\n\nYep. Yeah. No. I like it. And do we I mean, I would sort of judge on my age.\n\nI think we would stay in more of a high risk whilst I'm still younger. Well, keep watching it. Keep watching it. We're up. I like this.\n\nYep. Okay. Retire me early, please, Tommy. Thank you. Okay.\n\nOkay. Yep. That's fine. Okay. Friday is generally always good, so let's do next Friday.\n\nYep. Yeah. Perfect. Just as long as you send me a calendar invite. Otherwise, I'll lose it.\n\nMhmm. That was good. Mhmm. Okay. One of the investments was doing very well.\n\nI need to go investigate. Where is that page? The iShares, the S and P 500? What is that? What's it then?\n\nOkay. Cool. Okay. And the cash account, you're gonna reinvest what's in the cash account into other stuff. Is that what that means?\n\nOkay. So the cash account is gonna be moved. Okay. Cool. Do it.\n\nI will sign this now. Yeah. Okay. And my sister is working on my updated will, etcetera, because we just need to protect some stuff. Do you need updates on that?\n\nYep. Okay. I'll get it sorted with her over the by the end of the month. Okay. I think she gets it all.\n\nDoes she get it? Or does my mom get it? I don't know who gets my super. Yeah. That's fine.\n\nIt's been pretty hectic at the minute. I'm not gonna lie, but that's it's good busy. Yeah. Making money. Busy.\n\nMy sister well, my mom and my sister will split my estate until unless my mom dies, then my sister gets everything. Yeah. Let me talk to her first. This is her game. So I'll work out she can work out what to do, and I'll email you the outcome.\n\nI'll print them an email. It's fine. Yeah. No problem. I'll sort of that.\n\nThat's it. Appreciate it, Tommy. Alright. Chat then. Bye bye.\n\nBye.","paragraphs":[{"sentences":[{"text":"Kelly speaking.","start":0.24,"end":0.98,"sentiment":"neutral","sentiment_score":0.031278700567781925},{"text":"Speaking.","start":4.56,"end":5.06,"sentiment":"neutral","sentiment_score":0.22379907965660095},{"text":"Good.","start":6.16,"end":6.48,"sentiment":"positive","sentiment_score":0.36183157563209534},{"text":"How are you?","start":6.48,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.234466681877772},{"text":"You have no idea what call it is, Tommy, but that's okay.","start":12.4,"end":15.675,"sentiment":"neutral","sentiment_score":-0.2702886275947094}],"sentiment":"neutral","sentiment_score":-0.09957239100415456,"num_words":19,"start":0.24,"end":15.675},{"sentences":[{"text":"No.","start":25.355,"end":25.675,"sentiment":"negative","sentiment_score":-0.35718071460723877},{"text":"They're not.","start":25.675,"end":26.494999,"sentiment":"negative","sentiment_score":-0.3397645950317383},{"text":"How long do you 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it in high growth?","start":239.58499,"end":246.79001,"sentiment":"neutral","sentiment_score":0.020391999930143356},{"text":"Okay.","start":250.37001,"end":250.87001,"sentiment":"neutral","sentiment_score":0.07670031487941742},{"text":"Okay.","start":255.81,"end":256.31,"sentiment":"neutral","sentiment_score":0.12750373780727386}],"sentiment":"neutral","sentiment_score":-0.04711260485391204,"num_words":26,"start":224.87999,"end":256.31},{"sentences":[{"text":"Go for it.","start":256.53,"end":263.655,"sentiment":"neutral","sentiment_score":0.10462393860022227},{"text":"Yep.","start":263.655,"end":264.155,"sentiment":"neutral","sentiment_score":0.10876673460006714},{"text":"No.","start":264.215,"end":264.455,"sentiment":"neutral","sentiment_score":-0.03594435006380081},{"text":"I'm good.","start":264.455,"end":265.195,"sentiment":"neutral","sentiment_score":0.1799520179629326},{"text":"Mhmm.","start":273.91,"end":274.41,"sentiment":"neutral","sentiment_score":0.015554108656942844}],"sentiment":"neutral","sentiment_score":0.09526904311496764,"num_words":8,"start":256.53,"end":274.41},{"sentences":[{"text":"Was that what we were doing?","start":290.885,"end":292.245,"sentiment":"neutral","sentiment_score":-0.05151163352032503},{"text":"We were getting our investments out of one country and putting them into another.","start":292.245,"end":296.52,"sentiment":"neutral","sentiment_score":-0.08450890758207866},{"text":"Okay.","start":300.18,"end":300.58,"sentiment":"neutral","sentiment_score":0.023836862295866013},{"text":"That's what we're doing.","start":300.58,"end":301.38,"sentiment":"neutral","sentiment_score":0.034884833730757236},{"text":"That reminds me.","start":301.38,"end":302.1,"sentiment":"neutral","sentiment_score":0.03544850399096807}],"sentiment":"neutral","sentiment_score":-0.043659742788544724,"num_words":28,"start":290.885,"end":302.1},{"sentences":[{"text":"Yep.","start":302.1,"end":302.5,"sentiment":"neutral","sentiment_score":0.07214382290840149},{"text":"Okay.","start":302.5,"end":303.0,"sentiment":"neutral","sentiment_score":0.14894899725914},{"text":"Yep.","start":321.635,"end":321.9,"sentiment":"neutral","sentiment_score":0.01888818666338921},{"text":"Okay.","start":340.475,"end":340.975,"sentiment":"neutral","sentiment_score":-0.05073907598853111},{"text":"Okay.","start":350.88998,"end":351.38998,"sentiment":"positive","sentiment_score":0.3715850114822388}],"sentiment":"neutral","sentiment_score":0.11216538846492767,"num_words":5,"start":302.1,"end":351.38998},{"sentences":[{"text":"Okay.","start":398.63,"end":399.13,"sentiment":"neutral","sentiment_score":0.15202362835407257},{"text":"Mhmm.","start":410.305,"end":410.805,"sentiment":"neutral","sentiment_score":0.07663851231336594},{"text":"Okay.","start":428.24002,"end":428.74002,"sentiment":"neutral","sentiment_score":0.2461022436618805},{"text":"Yep.","start":439.535,"end":440.035,"sentiment":"neutral","sentiment_score":0.20075999200344088},{"text":"Yep.","start":443.055,"end":443.28,"sentiment":"neutral","sentiment_score":0.2428855150938034}],"sentiment":"neutral","sentiment_score":0.18368197828531266,"num_words":5,"start":398.63,"end":443.28},{"sentences":[{"text":"Okay.","start":453.52,"end":454.02,"sentiment":"neutral","sentiment_score":0.32052767276763916},{"text":"Cool.","start":454.16,"end":454.66,"sentiment":"positive","sentiment_score":0.4646500945091248},{"text":"Good.","start":470.255,"end":470.755,"sentiment":"neutral","sentiment_score":0.14816169440746307},{"text":"I like that.","start":471.1,"end":475.68,"sentiment":"positive","sentiment_score":0.37548084060351056},{"text":"Okay.","start":485.1,"end":485.5,"sentiment":"neutral","sentiment_score":0.31941086053848267}],"sentiment":"positive","sentiment_score":0.33988469200474875,"num_words":7,"start":453.52,"end":485.5},{"sentences":[{"text":"Projections look good.","start":485.5,"end":486.705,"sentiment":"positive","sentiment_score":0.5756170948346456},{"text":"Very good.","start":487.745,"end":488.56497,"sentiment":"positive","sentiment_score":0.6472567617893219},{"text":"Yeah.","start":492.22498,"end":492.54498,"sentiment":"neutral","sentiment_score":0.032237786799669266},{"text":"Of course.","start":492.54498,"end":493.125,"sentiment":"neutral","sentiment_score":0.0019153235480189323},{"text":"Yeah.","start":496.465,"end":496.965,"sentiment":"neutral","sentiment_score":0.21577009558677673}],"sentiment":"positive","sentiment_score":0.3636892597294516,"num_words":9,"start":485.5,"end":496.965},{"sentences":[{"text":"Yep.","start":507.66,"end":508.16,"sentiment":"neutral","sentiment_score":0.09102348983287813},{"text":"Yeah.","start":513.18,"end":513.66,"sentiment":"neutral","sentiment_score":0.04149779677391052},{"text":"No.","start":513.66,"end":513.9,"sentiment":"neutral","sentiment_score":0.04148288443684578},{"text":"I like it.","start":513.9,"end":514.395,"sentiment":"neutral","sentiment_score":0.21654028197129568},{"text":"And do we I mean, I would sort of judge on my age.","start":514.715,"end":517.91504,"sentiment":"neutral","sentiment_score":-0.053494612041574255}],"sentiment":"neutral","sentiment_score":0.006747108443002952,"num_words":19,"start":507.66,"end":517.91504},{"sentences":[{"text":"I think we would stay in more of a high risk whilst I'm still younger.","start":517.91504,"end":522.17505,"sentiment":"neutral","sentiment_score":-0.12065821637709935},{"text":"Well, keep watching it.","start":524.155,"end":525.115,"sentiment":"neutral","sentiment_score":0.1268907245248556},{"text":"Keep watching it.","start":525.115,"end":525.91504,"sentiment":"neutral","sentiment_score":0.2223844826221466},{"text":"We're up.","start":525.91504,"end":526.655,"sentiment":"neutral","sentiment_score":0.13947872817516327},{"text":"I like this.","start":528.075,"end":528.81,"sentiment":"neutral","sentiment_score":0.15897636115550995}],"sentiment":"neutral","sentiment_score":0.0044714681528232715,"num_words":27,"start":517.91504,"end":528.81},{"sentences":[{"text":"Yep.","start":540.33,"end":540.73,"sentiment":"neutral","sentiment_score":0.09452029317617416},{"text":"Okay.","start":540.73,"end":541.23,"sentiment":"neutral","sentiment_score":0.10813475400209428},{"text":"Retire me early, please, Tommy.","start":541.37,"end":543.15,"sentiment":"neutral","sentiment_score":0.14672318547964097},{"text":"Thank you.","start":546.245,"end":546.985,"sentiment":"positive","sentiment_score":0.36076098680496216},{"text":"Okay.","start":560.98,"end":561.48,"sentiment":"neutral","sentiment_score":0.08510853350162506}],"sentiment":"neutral","sentiment_score":0.17429014816880226,"num_words":10,"start":540.33,"end":561.48},{"sentences":[{"text":"Okay.","start":572.115,"end":572.615,"sentiment":"neutral","sentiment_score":0.03231070190668106},{"text":"Yep.","start":594.645,"end":594.885,"sentiment":"positive","sentiment_score":0.4081750810146332},{"text":"That's fine.","start":594.885,"end":599.705,"sentiment":"positive","sentiment_score":0.5227560102939606},{"text":"Okay.","start":622.515,"end":623.015,"sentiment":"neutral","sentiment_score":0.09345988929271698},{"text":"Friday is generally always good, so let's do next Friday.","start":638.37,"end":641.83,"sentiment":"neutral","sentiment_score":0.11995864734053611}],"sentiment":"neutral","sentiment_score":0.18526961108048756,"num_words":15,"start":572.115,"end":641.83},{"sentences":[{"text":"Yep.","start":650.065,"end":650.565,"sentiment":"neutral","sentiment_score":0.018360747024416924},{"text":"Yeah.","start":657.10504,"end":657.42505,"sentiment":"neutral","sentiment_score":0.1657075583934784},{"text":"Perfect.","start":657.42505,"end":657.9,"sentiment":"neutral","sentiment_score":0.28726521134376526},{"text":"Just as long as you send me a calendar invite.","start":658.06,"end":659.58,"sentiment":"neutral","sentiment_score":0.06660626009106636},{"text":"Otherwise, I'll lose it.","start":659.58,"end":661.2,"sentiment":"neutral","sentiment_score":-0.21506567671895027}],"sentiment":"neutral","sentiment_score":0.016301965340971947,"num_words":17,"start":650.065,"end":661.2},{"sentences":[{"text":"Mhmm.","start":667.18005,"end":667.68005,"sentiment":"neutral","sentiment_score":0.0563628152012825},{"text":"That was good.","start":679.035,"end":679.935,"sentiment":"positive","sentiment_score":0.437330961227417},{"text":"Mhmm.","start":689.21,"end":689.71,"sentiment":"neutral","sentiment_score":0.06209373474121094},{"text":"Okay.","start":700.105,"end":700.605,"sentiment":"neutral","sentiment_score":0.13522522151470184},{"text":"One of the investments was doing very well.","start":701.305,"end":706.29,"sentiment":"neutral","sentiment_score":0.1797034703195095}],"sentiment":"neutral","sentiment_score":0.21452160126396588,"num_words":14,"start":667.18005,"end":706.29},{"sentences":[{"text":"I need to go investigate.","start":709.00995,"end":710.23,"sentiment":"neutral","sentiment_score":0.09404872506856918},{"text":"Where is that page?","start":713.08997,"end":714.14996,"sentiment":"neutral","sentiment_score":0.02192136598750949},{"text":"The iShares, the S and P 500?","start":717.49,"end":719.82996,"sentiment":"neutral","sentiment_score":0.03280083569032805},{"text":"What is that?","start":720.44995,"end":721.305,"sentiment":"neutral","sentiment_score":0.016883264606197674},{"text":"What's it then?","start":721.305,"end":723.40497,"sentiment":"neutral","sentiment_score":0.01592100535829862}],"sentiment":"neutral","sentiment_score":0.04027035222812132,"num_words":22,"start":709.00995,"end":723.40497},{"sentences":[{"text":"Okay.","start":736.82,"end":737.30005,"sentiment":"neutral","sentiment_score":0.22941063344478607},{"text":"Cool.","start":737.30005,"end":737.80005,"sentiment":"positive","sentiment_score":0.4309912919998169},{"text":"Okay.","start":759.475,"end":759.975,"sentiment":"neutral","sentiment_score":0.16417083144187927},{"text":"And the cash account, you're gonna reinvest what's in the cash account into other stuff.","start":760.19,"end":765.01,"sentiment":"neutral","sentiment_score":0.2181211603184541},{"text":"Is that what that means?","start":765.39,"end":766.61,"sentiment":"neutral","sentiment_score":0.06912655010819435}],"sentiment":"neutral","sentiment_score":0.19313143096540286,"num_words":23,"start":736.82,"end":766.61},{"sentences":[{"text":"Okay.","start":768.43,"end":768.82996,"sentiment":"neutral","sentiment_score":0.06152401864528656},{"text":"So the cash account is gonna be moved.","start":768.82996,"end":771.08997,"sentiment":"neutral","sentiment_score":0.04173286259174347},{"text":"Okay.","start":777.885,"end":778.385,"sentiment":"neutral","sentiment_score":0.2051493525505066},{"text":"Cool.","start":778.605,"end":779.105,"sentiment":"positive","sentiment_score":0.39303749799728394},{"text":"Do it.","start":780.045,"end":780.685,"sentiment":"positive","sentiment_score":0.3457474708557129}],"sentiment":"neutral","sentiment_score":0.12962067012603468,"num_words":13,"start":768.43,"end":780.685},{"sentences":[{"text":"I will sign this now.","start":780.685,"end":782.305,"sentiment":"positive","sentiment_score":0.4138836324214935},{"text":"Yeah.","start":796.94,"end":797.44,"sentiment":"neutral","sentiment_score":0.1098995953798294},{"text":"Okay.","start":797.5,"end":797.9,"sentiment":"neutral","sentiment_score":0.10064174234867096},{"text":"And my sister is working on my updated will, etcetera, because we just need to protect some stuff.","start":797.9,"end":804.115,"sentiment":"neutral","sentiment_score":0.08936097286641598},{"text":"Do you need updates on that?","start":804.115,"end":806.055,"sentiment":"neutral","sentiment_score":0.04051176210244497}],"sentiment":"neutral","sentiment_score":0.13327508335632662,"num_words":31,"start":780.685,"end":806.055},{"sentences":[{"text":"Yep.","start":818.53,"end":819.03,"sentiment":"neutral","sentiment_score":0.04715348407626152},{"text":"Okay.","start":819.89,"end":820.29,"sentiment":"neutral","sentiment_score":0.17357036471366882},{"text":"I'll get it sorted with her over the by the end of the month.","start":820.29,"end":823.35,"sentiment":"neutral","sentiment_score":0.21891544652836664},{"text":"Okay.","start":835.065,"end":835.565,"sentiment":"neutral","sentiment_score":0.06538740545511246},{"text":"I think she gets it all.","start":836.10504,"end":837.305,"sentiment":"neutral","sentiment_score":0.07569900279243787}],"sentiment":"neutral","sentiment_score":0.16544006619116533,"num_words":23,"start":818.53,"end":837.305},{"sentences":[{"text":"Does she get it?","start":837.305,"end":838.14,"sentiment":"neutral","sentiment_score":0.01653947914019227},{"text":"Or does my mom get it?","start":839.5,"end":840.96,"sentiment":"neutral","sentiment_score":-0.023521154498060543},{"text":"I don't know who gets my super.","start":841.02,"end":842.56,"sentiment":"neutral","sentiment_score":-0.11340251032795225},{"text":"Yeah.","start":854.715,"end":854.955,"sentiment":"neutral","sentiment_score":0.11301720142364502},{"text":"That's fine.","start":854.955,"end":855.775,"sentiment":"neutral","sentiment_score":0.1830996870994568}],"sentiment":"neutral","sentiment_score":-0.019478500355035067,"num_words":20,"start":837.305,"end":855.775},{"sentences":[{"text":"It's been pretty hectic at the minute.","start":866.61,"end":868.29,"sentiment":"neutral","sentiment_score":-0.09981770973120417},{"text":"I'm not gonna lie, but that's it's good busy.","start":868.29,"end":870.55,"sentiment":"neutral","sentiment_score":0.02794446713394589},{"text":"Yeah.","start":876.65497,"end":876.975,"sentiment":"neutral","sentiment_score":0.2519201934337616},{"text":"Making money.","start":876.975,"end":877.935,"sentiment":"neutral","sentiment_score":0.3131442368030548},{"text":"Busy.","start":877.935,"end":878.435,"sentiment":"positive","sentiment_score":0.5000121593475342}],"sentiment":"neutral","sentiment_score":0.04654985312372446,"num_words":20,"start":866.61,"end":878.435},{"sentences":[{"text":"My sister well, my mom and my sister will split my estate until unless my mom dies, then my sister gets everything.","start":913.405,"end":921.96,"sentiment":"neutral","sentiment_score":0.00996929102323272},{"text":"Yeah.","start":933.635,"end":934.135,"sentiment":"neutral","sentiment_score":0.17436224222183228},{"text":"Let me talk to her first.","start":950.79,"end":952.31,"sentiment":"neutral","sentiment_score":0.06826301664113998},{"text":"This is her game.","start":952.31,"end":953.35,"sentiment":"neutral","sentiment_score":0.10831775888800621},{"text":"So I'll work out she can work out what to do, and I'll email you the outcome.","start":953.35,"end":957.37,"sentiment":"neutral","sentiment_score":0.12722295478862874}],"sentiment":"neutral","sentiment_score":0.0679865202307701,"num_words":50,"start":913.405,"end":957.37},{"sentences":[{"text":"I'll print them an email.","start":967.805,"end":968.845,"sentiment":"neutral","sentiment_score":0.0969909131526947},{"text":"It's fine.","start":968.845,"end":969.425,"sentiment":"neutral","sentiment_score":0.16699975728988647},{"text":"Yeah.","start":979.42,"end":979.74,"sentiment":"neutral","sentiment_score":0.09130628407001495},{"text":"No problem.","start":979.74,"end":980.22,"sentiment":"neutral","sentiment_score":0.15993115305900574},{"text":"I'll sort of that.","start":980.22,"end":981.27997,"sentiment":"neutral","sentiment_score":0.22287262976169586}],"sentiment":"neutral","sentiment_score":0.15154379925557546,"num_words":14,"start":967.805,"end":981.27997},{"sentences":[{"text":"That's it.","start":986.34503,"end":987.065,"sentiment":"neutral","sentiment_score":0.15975221246480942},{"text":"Appreciate it, Tommy.","start":987.065,"end":988.125,"sentiment":"positive","sentiment_score":0.47058697044849396},{"text":"Alright.","start":994.92285,"end":995.3229,"sentiment":"neutral","sentiment_score":0.2953161597251892},{"text":"Chat then.","start":995.3229,"end":996.1429,"sentiment":"positive","sentiment_score":0.3622422218322754},{"text":"Bye bye.","start":999.40283,"end":999.9628,"sentiment":"neutral","sentiment_score":0.26863837242126465}],"sentiment":"neutral","sentiment_score":0.328834268450737,"num_words":10,"start":986.34503,"end":999.9628},{"sentences":[{"text":"Bye.","start":999.9628,"end":1000.4628,"sentiment":"neutral","sentiment_score":-0.12100937217473984}],"sentiment":"neutral","sentiment_score":-0.12100937217473984,"num_words":1,"start":999.9628,"end":1000.4628}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Kelly speaking.\n\nChannel 0: Good morning, Amelia. Tommy here from Oakview, mate. How are you doing this fine\n\nChannel 1: Speaking.\n\nChannel 0: Friday?\n\nChannel 1: Good. How are you?\n\nChannel 0: Right. Living the dream. It's overcast, freezing, miserable, otherwise perfect.\n\nChannel 1: You have no idea what call it is, Tommy, but that's okay.\n\nChannel 0: I know. I know. I was just speaking to someone in Victoria who said it was zero this morning, and I'm sitting here running up at fourteen. It's just these Queensland homes are not built well.\n\nChannel 1: No. They're not.\n\nChannel 0: No. I've got this advice document to send through to you today. How long have you got for me?\n\nChannel 1: How long do you need? Yeah. That's fine. Let's do it.\n\nChannel 0: Perfect. So I'll pop that through to you now. Will you have access to your emails?\n\nChannel 1: Yeah. I'm on it right now.\n\nChannel 0: Sensational. And just while that's coming through, could you please confirm your date of birth and address for security?\n\nChannel 1: Third of the first nineteen eighty six, Number 4 Bifield Road, Parkerville, WA 6081.\n\nChannel 0: Thank you, Amelia. And I'm registered with Asic as adviser 1273105.\n\nChannel 1: Thank god.\n\nChannel 0: Alrighty.\n\nChannel 1: I was worried.\n\nChannel 0: Just to make sure it's not a scam. Alright. So that should pop through pretty quickly. And you're\n\nChannel 1: Yeah.\n\nChannel 0: okay\n\nChannel 1: I'm\n\nChannel 0: for\n\nChannel 1: on\n\nChannel 0: the\n\nChannel 1: it\n\nChannel 0: call\n\nChannel 1: now.\n\nChannel 0: to be recorded?\n\nChannel 1: Yep. Go for it.\n\nChannel 0: Perfect. So the documents that come through today, we've got the advice document with the Gold Coast picture on the front. We've got a Neos alteration quote and a few product disclosure documents attached as well. Now\n\nChannel 1: Okay.\n\nChannel 0: if you can just scroll through with me through page four where we've got the scope of advice.\n\nChannel 1: Age five?\n\nChannel 0: Yeah. It's sort of with the Odoo sign, the numbers are a bit strange.\n\nChannel 1: Okay.\n\nChannel 0: So three, four, and five is your scoping.\n\nChannel 1: Okay. Got it.\n\nChannel 0: Cool. So we're just focusing on a bit of an update to the portfolio in the super. I know the typical is doing well, but there was just that one that wasn't doing too well. So I've found a bit of a replacement for that. But I've also got an update on a few options for you just to engine tune up on the portfolio.\n\nInsurance wise, we were just looking at a bit of an increase of the income protection to be\n\nChannel 1: Okay. Yep.\n\nChannel 0: in line with your the current income. Does that ring a bell?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Estate planning, we do got some reminders in there just in terms of, you know, beneficiary nominations, wills, hours of attorney, and so on. And we're not giving advice on cash flow and debt management. Pretty well.\n\nChannel 1: Oh, tell me you keep cutting out.\n\nChannel 0: Oh, I do apologize.\n\nChannel 1: Are you there?\n\nChannel 0: Can you hear me okay at the moment?\n\nChannel 1: Yeah. That's better.\n\nChannel 0: Perfect. I'll just say that in terms of cash flow and debt management, we're not giving advice on those areas today. You're just managing your mortgages and\n\nChannel 1: Nope.\n\nChannel 0: legal\n\nChannel 1: I've\n\nChannel 0: concerns\n\nChannel 1: lost you\n\nChannel 0: and everything personal.\n\nChannel 1: again. Why\n\nChannel 0: Sorry.\n\nChannel 1: do I keep\n\nChannel 0: Is that\n\nChannel 1: losing\n\nChannel 0: a bit\n\nChannel 1: you?\n\nChannel 0: better?\n\nChannel 1: A little bit.\n\nChannel 0: Is it crackly or just cutting out there?\n\nChannel 1: No. It just\n\nChannel 0: Oh,\n\nChannel 1: completely goes black. Blank.\n\nChannel 0: bugger.\n\nChannel 1: That's okay.\n\nChannel 0: I hope that's cool. We'll give it a go. Alright.\n\nChannel 1: Give it a go. So what did you say before?\n\nChannel 0: Just in terms of cash flow and debt management, we're not giving advice on that today. You're managing\n\nChannel 1: Yeah. Of\n\nChannel 0: your own, you know, mortgage repayments and legal concerns and so on.\n\nChannel 1: course. Yeah.\n\nChannel 0: Perfect. If you could have a flick through for me, scroll through. We've got the about you section on seven and eight and assets and liabilities, which should all be pretty current. I'm assuming nothing's\n\nChannel 1: Yep.\n\nChannel 0: changed in the last month or two.\n\nChannel 1: Not all good.\n\nChannel 0: Perfect. So keep scrolling through. You'll see risk profile on ten and eleven being high growth, not changing the risk level, just updating investments.\n\nChannel 1: I think did we talk about changing the risk profile, or are we we're gonna keep it in high growth?\n\nChannel 0: Keep it in high growth for the time being.\n\nChannel 1: Okay.\n\nChannel 0: Basically, just try and get those high long term returns and then reduce it when you're a bit closer.\n\nChannel 1: Okay. Go for\n\nChannel 0: Cool. If at any point you're uncomfortable with how it's going, I can always, you know, reduce the risk down.\n\nChannel 1: it. Yep. No. I'm good.\n\nChannel 0: Cool. If you go to page twelve and thirteen, you'll see strategy recommendation, pretty text heavy there. And table\n\nChannel 1: Mhmm.\n\nChannel 0: the Basically, the pros and cons of this is replace the option with a like for like active option that you already had and a bit of a rebalance. All of the investments that we're using are pretty well ETF. There's a bit of brokerage to\n\nChannel 1: Was\n\nChannel 0: buy\n\nChannel 1: that\n\nChannel 0: them\n\nChannel 1: what\n\nChannel 0: up\n\nChannel 1: we\n\nChannel 0: front.\n\nChannel 1: were doing? We were getting our investments out of one country and putting them into another.\n\nChannel 0: Yeah. And getting them out of that better long option.\n\nChannel 1: Okay. That's what we're doing. That reminds me. Yep. Okay.\n\nChannel 0: Perfect. So the main disadvantage, of course, is just brokerage fees when we're switching investments and a bit of capital gains tax under the hood, which are factored in. If you can have a look at page 15 for me, there's a nice big hefty table of figures under investments there.\n\nChannel 1: Yep.\n\nChannel 0: So the main one to look at here is the second last column has target weight. We're pretty much bringing everything back to round figures, which is a bit of a rebalance. But that second row, better long concentrated equities, that's the one that I'm kind of removing and replacing.\n\nChannel 1: Okay.\n\nChannel 0: And down the bottom, third last row, Alfiniti Australian share, that's one of the replacement options for that.\n\nChannel 1: Okay.\n\nChannel 0: Basically, lower fees, better performance over one, three, five, and ten years, and basically brings everything back on track. And there's a few sectors that I'm switching around from, you know, Japan and Europe and so on to a few updated areas, which is mainly like health care, India, a few sort of sector plays, if that makes sense. K. The other thing too, Amelia, is with your Benelon, there was a bit of cash pulling up there as well. It's they had a bit of a change to the holding, so there wasn't any investments going in while it was going down.\n\nSo the the cash side, which is really good, and we're just gonna get that\n\nChannel 1: Okay.\n\nChannel 0: invested as well. K? Last couple of pages for the super for me is seventeen and eighteen. There's a pie chart there for asset allocation.\n\nChannel 1: Mhmm.\n\nChannel 0: Middle row growth total for high growth, you're aiming for about 90% in growth assets. You're sitting at about 70 at the moment because a lot of cash got pulled to the side to not go into that Benelon option. And we're just getting that invested, bringing you back up in line with the risk profile.\n\nChannel 1: Okay.\n\nChannel 0: Cool. Next page after that, the fee comparison. So top right, there's about a thousand bucks of capital gains tax from switching\n\nChannel 1: Yep.\n\nChannel 0: the investments that we factor in. The\n\nChannel 1: Yep.\n\nChannel 0: investment fees will drop in half, So it'll save about $700 there, and that pretty much offsets the increased premiums for the income protection.\n\nChannel 1: Okay. Cool.\n\nChannel 0: Down the bottom, five year rolling average, this will bring it back up into double digits again. So high growth, we've got to aim for at least 10% is the average, and this will bring it back up to about 12 with the the fix up of the options.\n\nChannel 1: Good. I like\n\nChannel 0: And what you'll like even better is on the next page,\n\nChannel 1: that.\n\nChannel 0: we've got a bit of a projection update for you and also a performance table that shows you short, medium, and long term, you know, one, three, five, ten years.\n\nChannel 1: Okay. Projections look good.\n\nChannel 0: Cool.\n\nChannel 1: Very good.\n\nChannel 0: So, again, grain of salt with the market because, you know,\n\nChannel 1: Yeah. Of\n\nChannel 0: stock\n\nChannel 1: course.\n\nChannel 0: market, I'm not expecting much over the next twelve months. But, again,\n\nChannel 1: Yeah.\n\nChannel 0: long term, 50 to a 100 would be nice as a boost. And the main thing is just that performance table consistently getting double digits across all time frames, not just some of them.\n\nChannel 1: Yep.\n\nChannel 0: K? Any questions on that so far? Do you like what I've come up with?\n\nChannel 1: Yeah. No. I like it. And do we I mean, I would sort of judge on my age. I think we would stay in more of a high risk whilst I'm still younger.\n\nWell, keep watching it. Keep\n\nChannel 0: Perfect.\n\nChannel 1: watching it. We're up. I like\n\nChannel 0: Well,\n\nChannel 1: this.\n\nChannel 0: at the moment, main plan for you is 40 to 50, get the most growth possible, and then slowly reduce the risk from 50 to 60, and then retire early after that.\n\nChannel 1: Yep. Okay. Retire me early, please, Tommy.\n\nChannel 0: Will do. I'll do my best.\n\nChannel 1: Thank\n\nChannel 0: The\n\nChannel 1: you.\n\nChannel 0: other thing after that is the Nios increase. So I I did have a bit of a shop around. Nios still came out really good. There's no point trying to overhaul and, you know, replace all the cover with another insurer.\n\nChannel 1: Okay.\n\nChannel 0: Basically, bringing you back up because your policy is twenty twenty twenty one, they insure you for 75% of your income instead of 70. If the government\n\nChannel 1: Okay.\n\nChannel 0: cut that off after October 10937 a month worth of cover from $6.03 $4.06, so that'll bring it back up. The 70% increase in cover, that warranted about a 60% increase in the premium. So not too bad in the increase there.\n\nChannel 1: Yep. That's\n\nChannel 0: Cool. I have attached\n\nChannel 1: fine.\n\nChannel 0: oh, included those premiums in the projections as well, but I've also attached a Nios quote, which I'm gonna get refreshed for you because they tend to have a bit of an expiry on them. From this point, I basically just need to get you booked in with Jack and the implementation team to go through the application to increase the income protection.\n\nChannel 1: Okay.\n\nChannel 0: Would you have a bit of time available in just trying to line up with the quote there.\n\nChannel 1: Friday is generally always good, so let's do next Friday.\n\nChannel 0: Okay. Pop that in. And in terms of timing, the warning best for you?\n\nChannel 1: Yep.\n\nChannel 0: K. Would it be okay if I did the same time on that Friday next week?\n\nChannel 1: Yeah. Perfect. Just as long as you send me a calendar invite. Otherwise, I'll lose it.\n\nChannel 0: Yep. Calendar invite for 09:30 next Friday.\n\nChannel 1: Mhmm.\n\nChannel 0: And in between, I'll just get a bit of a refresh quote off to you as well. Alrighty. Any questions for the car, Amelia?\n\nChannel 1: That was good.\n\nChannel 0: Cool. So from here, basically, once you sign the authority to proceed, we will jump on next week and move the investments around, and\n\nChannel 1: Mhmm.\n\nChannel 0: we'll send off a request to update the quote with Neos today, and that should be back in time for Friday. If not, I'll get someone to touch base with you straight away just to reschedule.\n\nChannel 1: Okay. One of the investments was doing very well. I need to go investigate.\n\nChannel 0: Yes.\n\nChannel 1: Where is that page? The iShares, the S and P 500? What is that? What's\n\nChannel 0: So\n\nChannel 1: it then?\n\nChannel 0: that is your basically, your American shares. Top 500 companies in The US is one of your kind of core options that keep you along.\n\nChannel 1: Okay. Cool.\n\nChannel 0: So that's definitely one of the best ones. You never wanna get rid of that one. That's probably the most consistent portfolio you could ever have. But around that, we just got a few smaller ones. They're kinda like satellite.\n\nThey sled dogs that pull you along a little bit quicker, but the main core for you Australian shares options around it as well.\n\nChannel 1: Okay.\n\nChannel 0: And we're\n\nChannel 1: And\n\nChannel 0: keeping\n\nChannel 1: the cash\n\nChannel 0: a bit of\n\nChannel 1: account,\n\nChannel 0: gold because\n\nChannel 1: you're\n\nChannel 0: that\n\nChannel 1: gonna\n\nChannel 0: should be\n\nChannel 1: reinvest\n\nChannel 0: pretty good.\n\nChannel 1: what's in the cash account into other stuff. Is that what that means?\n\nChannel 0: Yeah. Correct. Yeah.\n\nChannel 1: Okay. So the cash\n\nChannel 0: So,\n\nChannel 1: account is\n\nChannel 0: basically,\n\nChannel 1: gonna\n\nChannel 0: what\n\nChannel 1: be\n\nChannel 0: happened\n\nChannel 1: moved.\n\nChannel 0: was yeah. That'll get moved into the options above.\n\nChannel 1: Okay. Cool. Do it. I will sign this now.\n\nChannel 0: Beautiful. If you need anything in between, please give us a bell. I will get you a a text message when we send that updated quote through, and I'll send through a calendar invite today.\n\nChannel 1: Yeah. Okay. And my sister is working on my updated will, etcetera, because we just need to protect some\n\nChannel 0: Yep.\n\nChannel 1: stuff. Do you need updates on that?\n\nChannel 0: Mainly just next time we chat, just let us know once it's in place so we can add that onto the file. We don't need to hold a copy of the will or anything like that. We would just like to know that it's sorted so we don't have to keep\n\nChannel 1: Yep.\n\nChannel 0: nagging me about it.\n\nChannel 1: Okay. I'll get it sorted with her over the by the end of the month.\n\nChannel 0: Awesome. And if that needs to change anything in terms of beneficiary nominations for life insurance or super, just let us know on the team to sort out the paperwork with you.\n\nChannel 1: Okay. I think she gets it all. Does she get it? Or does my mom get it? I don't know who gets my super.\n\nChannel 0: Oh, let me have a look. Actually, if you don't mind holding for about a minute or two, I'll just have to log in to actually find your beneficiary. Is that okay?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Alright. It won't be a moment. Otherwise, have you had a fantastic week, or has it just been chaos after chaos?\n\nChannel 1: It's been pretty hectic at the minute. I'm not gonna lie, but that's it's good busy. Yeah. Making money. Busy.\n\nChannel 0: That's always nice. Alright. So we've got your account open, and we'll grab your beneficiary details. Actually, there's no beneficiary on Netwealth at the moment. Let me have a quick look see Because were you meaning to leave it to who is your intended beneficiary for the sofa?\n\nChannel 1: My sister well, my mom and my sister will split my estate until unless my mom dies, then my sister gets everything.\n\nChannel 0: That's alright. So what we're gonna do there is in the will, that should include, like, the superannuation. We do a beneficiary nomination to the estate,\n\nChannel 1: Yeah.\n\nChannel 0: and that way it's all captured together. So I'll make sure that gets sorted with you as well. And for the, like, life insurance, are you wanting to do because that can be direct. You don't have to go through a will for life insurance. You just wanna split it between them, or what would fit your preference there?\n\nChannel 1: Let me talk to her first. This is her game. So I'll work out she can work out what to do, and I'll email you the outcome.\n\nChannel 0: Yep. I'll get the forms off to you as well just in case. Are you okay to kind of print them off an email, or do you want me to post them out?\n\nChannel 1: I'll print them an email. It's fine.\n\nChannel 0: Cool. Just because he'll be out of or not if she's beneficiary, but you gotta get the witness just like you do with the will because they're legal documents.\n\nChannel 1: Yeah. No problem. I'll sort of that.\n\nChannel 0: Easy done. Alrighty, Millie. Anything else I can help with before I let you go?\n\nChannel 1: That's it. Appreciate it, Tommy.\n\nChannel 0: No worries. Talk to you next Friday, and just keep an ear out for a few months.\n\nChannel 1: Alright. Chat then.\n\nChannel 0: Thank you. Have a great weekend. See you later.\n\nChannel 1: Bye bye. Bye.","paragraphs":[{"sentences":[{"text":"Kelly speaking.","start":0.24,"end":0.98,"sentiment":"neutral","sentiment_score":0.031278700567781925}],"sentiment":"neutral","sentiment_score":0.031278700567781925,"channel":1,"num_words":2,"start":0.24,"end":0.98},{"sentences":[{"text":"Good morning, Amelia.","start":1.68,"end":2.56,"sentiment":"positive","sentiment_score":0.36153972148895264},{"text":"Tommy here from Oakview, mate.","start":2.56,"end":3.76,"sentiment":"neutral","sentiment_score":0.2811026245355606},{"text":"How are you doing this fine","start":3.76,"end":4.64,"sentiment":"positive","sentiment_score":0.3557665944099426}],"sentiment":"neutral","sentiment_score":0.33033798954316546,"channel":0,"num_words":14,"start":1.68,"end":4.64},{"sentences":[{"text":"Speaking.","start":4.56,"end":5.06,"sentiment":"neutral","sentiment_score":0.22379907965660095}],"sentiment":"neutral","sentiment_score":0.22379907965660095,"channel":1,"num_words":1,"start":4.56,"end":5.06},{"sentences":[{"text":"Friday?","start":4.64,"end":5.14,"sentiment":"neutral","sentiment_score":0.15097293257713318}],"sentiment":"neutral","sentiment_score":0.15097293257713318,"channel":0,"num_words":1,"start":4.64,"end":5.14},{"sentences":[{"text":"Good.","start":6.16,"end":6.48,"sentiment":"positive","sentiment_score":0.36183157563209534},{"text":"How are you?","start":6.48,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.234466681877772}],"sentiment":"neutral","sentiment_score":0.26630790531635284,"channel":1,"num_words":4,"start":6.16,"end":7.3799996},{"sentences":[{"text":"Right.","start":7.68,"end":8.0,"sentiment":"neutral","sentiment_score":0.1431511491537094},{"text":"Living the dream.","start":8.0,"end":8.72,"sentiment":"neutral","sentiment_score":0.09733456621567409},{"text":"It's overcast, freezing, miserable, otherwise perfect.","start":8.72,"end":12.0199995,"sentiment":"neutral","sentiment_score":-0.2651921684543292}],"sentiment":"neutral","sentiment_score":-0.11559981629252433,"channel":0,"num_words":10,"start":7.68,"end":12.0199995},{"sentences":[{"text":"You have no idea what call it is, Tommy, but that's okay.","start":12.4,"end":15.675,"sentiment":"neutral","sentiment_score":-0.2702886275947094}],"sentiment":"neutral","sentiment_score":-0.2702886275947094,"channel":1,"num_words":12,"start":12.4,"end":15.675},{"sentences":[{"text":"I know.","start":16.235,"end":16.715,"sentiment":"neutral","sentiment_score":-0.1400279700756073},{"text":"I know.","start":16.715,"end":16.955,"sentiment":"neutral","sentiment_score":-0.1353083997964859},{"text":"I was just speaking to someone in Victoria who said it was zero this morning, and I'm sitting here running up at fourteen.","start":16.955,"end":21.835,"sentiment":"neutral","sentiment_score":-0.14800261025843414},{"text":"It's just these Queensland homes are not built well.","start":21.835,"end":24.57,"sentiment":"negative","sentiment_score":-0.4552280406157176}],"sentiment":"neutral","sentiment_score":-0.2236606983674897,"channel":0,"num_words":36,"start":16.235,"end":24.57},{"sentences":[{"text":"No.","start":25.355,"end":25.675,"sentiment":"negative","sentiment_score":-0.35718071460723877},{"text":"They're not.","start":25.675,"end":26.494999,"sentiment":"negative","sentiment_score":-0.3397645950317383}],"sentiment":"negative","sentiment_score":-0.3455699682235718,"channel":1,"num_words":3,"start":25.355,"end":26.494999},{"sentences":[{"text":"No.","start":27.449999,"end":27.77,"sentiment":"neutral","sentiment_score":-0.18840882182121277},{"text":"I've got this advice document to send through to you today.","start":27.77,"end":30.59,"sentiment":"neutral","sentiment_score":-0.06819613447243517},{"text":"How long have you got for me?","start":30.73,"end":32.27,"sentiment":"neutral","sentiment_score":-0.04781590881092208}],"sentiment":"neutral","sentiment_score":-0.0670146138260239,"channel":0,"num_words":19,"start":27.449999,"end":32.27},{"sentences":[{"text":"How long do you need?","start":32.75,"end":33.89,"sentiment":"neutral","sentiment_score":-0.02833488956093788},{"text":"Yeah.","start":36.99,"end":37.23,"sentiment":"neutral","sentiment_score":0.04842563718557358},{"text":"That's fine.","start":37.23,"end":37.79,"sentiment":"neutral","sentiment_score":0.15790025144815445},{"text":"Let's do it.","start":37.79,"end":38.77,"sentiment":"neutral","sentiment_score":0.2098381370306015}],"sentiment":"neutral","sentiment_score":0.07746055485172705,"channel":1,"num_words":11,"start":32.75,"end":38.77},{"sentences":[{"text":"Perfect.","start":39.465,"end":39.965,"sentiment":"positive","sentiment_score":0.4435024559497833},{"text":"So I'll pop that through to you now.","start":40.105,"end":42.364998,"sentiment":"neutral","sentiment_score":0.23591679148375988},{"text":"Will you have access to your emails?","start":42.585,"end":44.285,"sentiment":"neutral","sentiment_score":0.057874290006501336}],"sentiment":"neutral","sentiment_score":0.17099730111658573,"channel":0,"num_words":16,"start":39.465,"end":44.285},{"sentences":[{"text":"Yeah.","start":44.605,"end":44.925,"sentiment":"neutral","sentiment_score":0.05439183861017227},{"text":"I'm on it right now.","start":44.925,"end":46.065,"sentiment":"neutral","sentiment_score":0.06580480486154557}],"sentiment":"neutral","sentiment_score":0.06390264381965001,"channel":1,"num_words":6,"start":44.605,"end":46.065},{"sentences":[{"text":"Sensational.","start":46.905,"end":47.405,"sentiment":"neutral","sentiment_score":0.046408336609601974},{"text":"And just while that's coming through, could you please confirm your date of birth and address for security?","start":47.545,"end":52.445,"sentiment":"neutral","sentiment_score":0.023161997294260397}],"sentiment":"neutral","sentiment_score":0.02438548883717311,"channel":0,"num_words":19,"start":46.905,"end":52.445},{"sentences":[{"text":"Third of the first nineteen eighty six, Number 4 Bifield Road, Parkerville, WA 6081.","start":53.245,"end":59.260002,"sentiment":"neutral","sentiment_score":0.01263731308946652}],"sentiment":"neutral","sentiment_score":0.01263731308946652,"channel":1,"num_words":14,"start":53.245,"end":59.260002},{"sentences":[{"text":"Thank you, Amelia.","start":60.0,"end":60.800003,"sentiment":"neutral","sentiment_score":0.3024197320143382},{"text":"And I'm registered with Asic as adviser 1273105.","start":60.800003,"end":64.575,"sentiment":"neutral","sentiment_score":0.1344837099313736}],"sentiment":"neutral","sentiment_score":0.18028444322672757,"channel":0,"num_words":11,"start":60.0,"end":64.575},{"sentences":[{"text":"Thank god.","start":65.16,"end":65.96,"sentiment":"neutral","sentiment_score":0.09138812683522701}],"sentiment":"neutral","sentiment_score":0.09138812683522701,"channel":1,"num_words":2,"start":65.16,"end":65.96},{"sentences":[{"text":"Alrighty.","start":65.935,"end":66.435,"sentiment":"neutral","sentiment_score":-0.03886027634143829}],"sentiment":"neutral","sentiment_score":-0.03886027634143829,"channel":0,"num_words":1,"start":65.935,"end":66.435},{"sentences":[{"text":"I was worried.","start":65.96,"end":66.86,"sentiment":"neutral","sentiment_score":-0.20682111382484436}],"sentiment":"neutral","sentiment_score":-0.20682111382484436,"channel":1,"num_words":3,"start":65.96,"end":66.86},{"sentences":[{"text":"Just to make sure it's not a scam.","start":68.575,"end":70.354996,"sentiment":"neutral","sentiment_score":-0.20932322926819324},{"text":"Alright.","start":70.735,"end":71.055,"sentiment":"neutral","sentiment_score":0.07332959026098251},{"text":"So that should pop through pretty quickly.","start":71.055,"end":73.155,"sentiment":"neutral","sentiment_score":0.18491116059677942},{"text":"And you're","start":73.534996,"end":74.09499,"sentiment":"neutral","sentiment_score":0.03451119735836983}],"sentiment":"neutral","sentiment_score":-0.013214206943909327,"channel":0,"num_words":18,"start":68.575,"end":74.09499},{"sentences":[{"text":"Yeah.","start":73.885,"end":74.205,"sentiment":"neutral","sentiment_score":0.03567314147949219}],"sentiment":"neutral","sentiment_score":0.03567314147949219,"channel":1,"num_words":1,"start":73.885,"end":74.205},{"sentences":[{"text":"okay","start":74.09499,"end":74.335,"sentiment":"neutral","sentiment_score":0.03567734360694885}],"sentiment":"neutral","sentiment_score":0.03567734360694885,"channel":0,"num_words":1,"start":74.09499,"end":74.335},{"sentences":[{"text":"I'm","start":74.205,"end":74.365,"sentiment":"neutral","sentiment_score":0.03859908878803253}],"sentiment":"neutral","sentiment_score":0.03859908878803253,"channel":1,"num_words":1,"start":74.205,"end":74.365},{"sentences":[{"text":"for","start":74.335,"end":74.494995,"sentiment":"neutral","sentiment_score":0.034110717475414276}],"sentiment":"neutral","sentiment_score":0.034110717475414276,"channel":0,"num_words":1,"start":74.335,"end":74.494995},{"sentences":[{"text":"on","start":74.365,"end":74.525,"sentiment":"neutral","sentiment_score":0.03686713054776192}],"sentiment":"neutral","sentiment_score":0.03686713054776192,"channel":1,"num_words":1,"start":74.365,"end":74.525},{"sentences":[{"text":"the","start":74.494995,"end":74.575,"sentiment":"neutral","sentiment_score":0.04070853069424629}],"sentiment":"neutral","sentiment_score":0.04070853069424629,"channel":0,"num_words":1,"start":74.494995,"end":74.575},{"sentences":[{"text":"it","start":74.525,"end":74.685,"sentiment":"neutral","sentiment_score":0.030105264857411385}],"sentiment":"neutral","sentiment_score":0.030105264857411385,"channel":1,"num_words":1,"start":74.525,"end":74.685},{"sentences":[{"text":"call","start":74.575,"end":74.814995,"sentiment":"neutral","sentiment_score":0.0258491151034832}],"sentiment":"neutral","sentiment_score":0.0258491151034832,"channel":0,"num_words":1,"start":74.575,"end":74.814995},{"sentences":[{"text":"now.","start":74.685,"end":75.185,"sentiment":"neutral","sentiment_score":0.03711507469415665}],"sentiment":"neutral","sentiment_score":0.03711507469415665,"channel":1,"num_words":1,"start":74.685,"end":75.185},{"sentences":[{"text":"to 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file.","start":808.29,"end":812.85,"sentiment":"neutral","sentiment_score":0.1482308300381357},{"text":"We don't need to hold a copy of the will or anything like that.","start":812.85,"end":815.57,"sentiment":"neutral","sentiment_score":0.045113551297358105},{"text":"We would just like to know that it's sorted so we don't have to keep","start":815.57,"end":818.61,"sentiment":"neutral","sentiment_score":0.14704834719498952}],"sentiment":"neutral","sentiment_score":0.11957633699856553,"channel":0,"num_words":51,"start":808.29,"end":818.61},{"sentences":[{"text":"Yep.","start":818.53,"end":819.03,"sentiment":"neutral","sentiment_score":0.04715348407626152}],"sentiment":"neutral","sentiment_score":0.04715348407626152,"channel":1,"num_words":1,"start":818.53,"end":819.03},{"sentences":[{"text":"nagging me about it.","start":818.61,"end":819.765,"sentiment":"neutral","sentiment_score":0.052845548838377}],"sentiment":"neutral","sentiment_score":0.052845548838377,"channel":0,"num_words":4,"start":818.61,"end":819.765},{"sentences":[{"text":"Okay.","start":819.89,"end":820.29,"sentiment":"neutral","sentiment_score":0.17357036471366882},{"text":"I'll get it sorted with her over the by the end of the month.","start":820.29,"end":823.35,"sentiment":"neutral","sentiment_score":0.21891544652836664}],"sentiment":"neutral","sentiment_score":0.21589244107405345,"channel":1,"num_words":15,"start":819.89,"end":823.35},{"sentences":[{"text":"Awesome.","start":825.685,"end":826.16504,"sentiment":"positive","sentiment_score":0.4761450290679931},{"text":"And if that needs to change anything in terms of beneficiary nominations for life insurance or super, just let us know on the team to sort out the paperwork with you.","start":826.16504,"end":834.69,"sentiment":"neutral","sentiment_score":0.1170892648158535}],"sentiment":"neutral","sentiment_score":0.12830975744873285,"channel":0,"num_words":32,"start":825.685,"end":834.69},{"sentences":[{"text":"Okay.","start":835.065,"end":835.565,"sentiment":"neutral","sentiment_score":0.06538740545511246},{"text":"I think she gets it all.","start":836.10504,"end":837.305,"sentiment":"neutral","sentiment_score":0.07569900279243787},{"text":"Does she get it?","start":837.305,"end":838.14,"sentiment":"neutral","sentiment_score":0.01653947914019227},{"text":"Or does my mom get it?","start":839.5,"end":840.96,"sentiment":"neutral","sentiment_score":-0.023521154498060543},{"text":"I don't know who gets my super.","start":841.02,"end":842.56,"sentiment":"neutral","sentiment_score":-0.11340251032795225}],"sentiment":"neutral","sentiment_score":-0.014550215021396676,"channel":1,"num_words":24,"start":835.065,"end":842.56},{"sentences":[{"text":"Oh, let me have a look.","start":844.69,"end":847.03,"sentiment":"neutral","sentiment_score":0.02836733963340521},{"text":"Actually, if you don't mind holding for about a minute or two, I'll just have to log in to actually find your beneficiary.","start":847.575,"end":853.35504,"sentiment":"neutral","sentiment_score":0.044967945179213646},{"text":"Is that okay?","start":853.655,"end":854.555,"sentiment":"neutral","sentiment_score":0.09341459721326828}],"sentiment":"neutral","sentiment_score":0.04639720526756719,"channel":0,"num_words":32,"start":844.69,"end":854.555},{"sentences":[{"text":"Yeah.","start":854.715,"end":854.955,"sentiment":"neutral","sentiment_score":0.11301720142364502},{"text":"That's fine.","start":854.955,"end":855.775,"sentiment":"neutral","sentiment_score":0.1830996870994568}],"sentiment":"neutral","sentiment_score":0.15973885854085287,"channel":1,"num_words":3,"start":854.715,"end":855.775},{"sentences":[{"text":"Alright.","start":858.695,"end":859.09503,"sentiment":"neutral","sentiment_score":0.04200035706162453},{"text":"It won't be a moment.","start":859.09503,"end":860.23505,"sentiment":"neutral","sentiment_score":-0.023276834934949874},{"text":"Otherwise, have you had a fantastic week, or has it just been chaos after chaos?","start":862.33,"end":865.87,"sentiment":"neutral","sentiment_score":0.22485287686189015}],"sentiment":"neutral","sentiment_score":0.15706711120548703,"channel":0,"num_words":21,"start":858.695,"end":865.87},{"sentences":[{"text":"It's been pretty hectic at the minute.","start":866.61,"end":868.29,"sentiment":"neutral","sentiment_score":-0.09981770973120417},{"text":"I'm not gonna lie, but that's it's good busy.","start":868.29,"end":870.55,"sentiment":"neutral","sentiment_score":0.02794446713394589},{"text":"Yeah.","start":876.65497,"end":876.975,"sentiment":"neutral","sentiment_score":0.2519201934337616},{"text":"Making money.","start":876.975,"end":877.935,"sentiment":"neutral","sentiment_score":0.3131442368030548},{"text":"Busy.","start":877.935,"end":878.435,"sentiment":"positive","sentiment_score":0.5000121593475342}],"sentiment":"neutral","sentiment_score":0.04654985312372446,"channel":1,"num_words":20,"start":866.61,"end":878.435},{"sentences":[{"text":"That's always nice.","start":881.08496,"end":882.305,"sentiment":"positive","sentiment_score":0.7014365196228027},{"text":"Alright.","start":884.925,"end":885.425,"sentiment":"neutral","sentiment_score":0.19498074054718015},{"text":"So we've got your account open, and we'll grab your beneficiary details.","start":885.565,"end":894.88,"sentiment":"neutral","sentiment_score":0.1301668987919887},{"text":"Actually, there's no beneficiary on Netwealth at the moment.","start":898.7,"end":901.68,"sentiment":"neutral","sentiment_score":-0.06328743572036426},{"text":"Let me have a quick look see Because were you meaning to leave it to who is your intended beneficiary for the sofa?","start":901.74,"end":911.695,"sentiment":"neutral","sentiment_score":-0.01090660403766062}],"sentiment":"neutral","sentiment_score":0.06335113063687459,"channel":0,"num_words":48,"start":881.08496,"end":911.695},{"sentences":[{"text":"My sister well, my mom and my sister will split my estate until unless my mom dies, then my sister gets everything.","start":913.405,"end":921.96,"sentiment":"neutral","sentiment_score":0.00996929102323272}],"sentiment":"neutral","sentiment_score":0.00996929102323272,"channel":1,"num_words":22,"start":913.405,"end":921.96},{"sentences":[{"text":"That's alright.","start":923.85004,"end":924.41003,"sentiment":"neutral","sentiment_score":0.09589468315243721},{"text":"So what we're gonna do there is in the will, that should include, like, the superannuation.","start":924.41003,"end":929.07,"sentiment":"neutral","sentiment_score":0.11777773685753345},{"text":"We do a beneficiary nomination to the estate,","start":929.945,"end":933.08496,"sentiment":"neutral","sentiment_score":0.12546344380825758}],"sentiment":"neutral","sentiment_score":0.11845925794197963,"channel":0,"num_words":26,"start":923.85004,"end":933.08496},{"sentences":[{"text":"Yeah.","start":933.635,"end":934.135,"sentiment":"neutral","sentiment_score":0.17436224222183228}],"sentiment":"neutral","sentiment_score":0.17436224222183228,"channel":1,"num_words":1,"start":933.635,"end":934.135},{"sentences":[{"text":"and that way it's all captured together.","start":933.945,"end":935.885,"sentiment":"neutral","sentiment_score":0.17222644175801957},{"text":"So I'll make sure that gets sorted with you as well.","start":936.265,"end":939.245,"sentiment":"neutral","sentiment_score":0.1812175607139414},{"text":"And for the, like, life insurance, are you wanting to do because that can be direct.","start":939.46497,"end":944.57,"sentiment":"neutral","sentiment_score":0.10442767851054668},{"text":"You don't have to go through a will for life insurance.","start":944.57,"end":946.91003,"sentiment":"neutral","sentiment_score":0.08395639637654478},{"text":"You just wanna split it between them, or what would fit your preference there?","start":947.29004,"end":950.67004,"sentiment":"neutral","sentiment_score":0.09726264992994922}],"sentiment":"neutral","sentiment_score":0.12127150127948341,"channel":0,"num_words":59,"start":933.945,"end":950.67004},{"sentences":[{"text":"Let me talk to her first.","start":950.79,"end":952.31,"sentiment":"neutral","sentiment_score":0.06826301664113998},{"text":"This is her game.","start":952.31,"end":953.35,"sentiment":"neutral","sentiment_score":0.10831775888800621},{"text":"So I'll work out she can work out what to do, and I'll email you the outcome.","start":953.35,"end":957.37,"sentiment":"neutral","sentiment_score":0.12722295478862874}],"sentiment":"neutral","sentiment_score":0.11131997654835384,"channel":1,"num_words":27,"start":950.79,"end":957.37},{"sentences":[{"text":"Yep.","start":959.445,"end":959.765,"sentiment":"neutral","sentiment_score":0.13311563432216644},{"text":"I'll get the forms off to you as well just in case.","start":959.765,"end":962.66504,"sentiment":"neutral","sentiment_score":0.13902644192179045},{"text":"Are you okay to kind of print them off an email, or do you want me to post them out?","start":963.205,"end":967.38,"sentiment":"neutral","sentiment_score":0.07507192473858595}],"sentiment":"neutral","sentiment_score":0.1000870130956173,"channel":0,"num_words":33,"start":959.445,"end":967.38},{"sentences":[{"text":"I'll print them an email.","start":967.805,"end":968.845,"sentiment":"neutral","sentiment_score":0.0969909131526947},{"text":"It's fine.","start":968.845,"end":969.425,"sentiment":"neutral","sentiment_score":0.16699975728988647}],"sentiment":"neutral","sentiment_score":0.11699344004903521,"channel":1,"num_words":7,"start":967.805,"end":969.425},{"sentences":[{"text":"Cool.","start":971.3,"end":971.62,"sentiment":"neutral","sentiment_score":0.20779700577259064},{"text":"Just because he'll be out of or not if she's beneficiary, but you gotta get the witness just like you do with the will because they're legal documents.","start":971.62,"end":979.16003,"sentiment":"neutral","sentiment_score":0.08046760383461203}],"sentiment":"neutral","sentiment_score":0.08485827286695612,"channel":0,"num_words":29,"start":971.3,"end":979.16003},{"sentences":[{"text":"Yeah.","start":979.42,"end":979.74,"sentiment":"neutral","sentiment_score":0.09130628407001495},{"text":"No problem.","start":979.74,"end":980.22,"sentiment":"neutral","sentiment_score":0.15993115305900574},{"text":"I'll sort of that.","start":980.22,"end":981.27997,"sentiment":"neutral","sentiment_score":0.22287262976169586}],"sentiment":"neutral","sentiment_score":0.1860941584621157,"channel":1,"num_words":7,"start":979.42,"end":981.27997},{"sentences":[{"text":"Easy done.","start":982.995,"end":983.635,"sentiment":"positive","sentiment_score":0.39451901614665985},{"text":"Alrighty, Millie.","start":983.635,"end":984.275,"sentiment":"neutral","sentiment_score":0.25365355610847473},{"text":"Anything else I can help with before I let you go?","start":984.275,"end":986.375,"sentiment":"neutral","sentiment_score":0.18419288234277206}],"sentiment":"neutral","sentiment_score":0.22149779001871744,"channel":0,"num_words":15,"start":982.995,"end":986.375},{"sentences":[{"text":"That's it.","start":986.34503,"end":987.065,"sentiment":"neutral","sentiment_score":0.15975221246480942},{"text":"Appreciate it, Tommy.","start":987.065,"end":988.125,"sentiment":"positive","sentiment_score":0.47058697044849396}],"sentiment":"positive","sentiment_score":0.34625306725502014,"channel":1,"num_words":5,"start":986.34503,"end":988.125},{"sentences":[{"text":"No worries.","start":989.955,"end":990.515,"sentiment":"neutral","sentiment_score":0.2807695120573044},{"text":"Talk to you next Friday, and just keep an ear out for a few months.","start":990.515,"end":994.135,"sentiment":"neutral","sentiment_score":0.2473812073469162}],"sentiment":"neutral","sentiment_score":0.25130924319519715,"channel":0,"num_words":17,"start":989.955,"end":994.135},{"sentences":[{"text":"Alright.","start":994.92285,"end":995.3229,"sentiment":"neutral","sentiment_score":0.2953161597251892},{"text":"Chat then.","start":995.3229,"end":996.1429,"sentiment":"positive","sentiment_score":0.3622422218322754}],"sentiment":"positive","sentiment_score":0.33993353446324664,"channel":1,"num_words":3,"start":994.92285,"end":996.1429},{"sentences":[{"text":"Thank you.","start":997.673,"end":998.07294,"sentiment":"positive","sentiment_score":0.8110216856002808},{"text":"Have a great weekend.","start":998.07294,"end":998.873,"sentiment":"positive","sentiment_score":0.8071824610233307},{"text":"See you later.","start":998.873,"end":999.613,"sentiment":"positive","sentiment_score":0.6610501209894816}],"sentiment":"positive","sentiment_score":0.7593248420291476,"channel":0,"num_words":9,"start":997.673,"end":999.613},{"sentences":[{"text":"Bye bye.","start":999.40283,"end":999.9628,"sentiment":"neutral","sentiment_score":0.26863837242126465},{"text":"Bye.","start":999.9628,"end":1000.4628,"sentiment":"neutral","sentiment_score":-0.12100937217473984}],"sentiment":"neutral","sentiment_score":0.13875579088926315,"channel":1,"num_words":3,"start":999.40283,"end":1000.4628}]},"summary":{"result":"success","short":"The representative from Oakview provides guidance on updating the portfolio and reducing risk levels, as well as giving advice on risk profile and replacing options with active ones. They discuss investment and capital gains tax and emphasize the importance of reducing risk and increasing cover. The agent discusses the customer's investment portfolio and schedule follow-up meetings for an implementation meeting and a text message with updated quotes and a calendar invite. They also mention a new insurance policy and schedule a follow-up meeting for an update."},"intents":{"segments":[{"text":"So we're just focusing on a bit of an update to the portfolio in the super.","start_word":305,"end_word":320,"intents":[{"intent":"Update portfolio","confidence_score":0.8644053}]},{"text":"So we're just focusing on a bit of an update to the portfolio in the super. I know the typical is doing well, but there was just that one that wasn't doing too well. So I've found a bit of a replacement for that. But I've also got an update on a few options for you just to engine tune up on the portfolio.","start_word":305,"end_word":368,"intents":[{"intent":"Go over portfolio before going to bed","confidence_score":6.352523e-8}]},{"text":"Insurance wise, we were just looking at a bit of an increase of the income protection to be Okay.","start_word":368,"end_word":386,"intents":[{"intent":"Increase income protection","confidence_score":0.14705355}]},{"text":"Estate planning, we do got some reminders in there just in terms of, you know, beneficiary nominations, wills, hours of attorney, and so on. And we're not giving advice on cash flow and debt management. Pretty well.","start_word":402,"end_word":438,"intents":[{"intent":"Reminders on estate planning","confidence_score":0.036024235}]},{"text":"And we're not giving advice on cash flow and debt management. Pretty well.","start_word":426,"end_word":438,"intents":[{"intent":"Manage cash flow and debt management","confidence_score":0.2432659}]},{"text":"legal I've concerns lost you and everything personal. again. Why Sorry.","start_word":492,"end_word":502,"intents":[{"intent":"Understand personal loss and other issues","confidence_score":1.3902205e-7}]},{"text":"If you could have a flick through for me, scroll through. We've got the about you section on seven and eight and assets and liabilities, which should all be pretty current.","start_word":590,"end_word":620,"intents":[{"intent":"Provide update on asset and liabilities","confidence_score":0.0009338441}]},{"text":"We were getting our investments out of one country and putting them into another. Yeah.","start_word":812,"end_word":826,"intents":[{"intent":"Move investments","confidence_score":0.0016348647}]},{"text":"Down the bottom, five year rolling average, this will bring it back up into double digits again. So high growth, we've got to aim for at least 10% is the average, and this will bring it back up to about 12 with the the fix up of the options. Good.","start_word":1227,"end_word":1276,"intents":[{"intent":"Advise investment level","confidence_score":4.2267256e-8}]},{"text":"I like And what you'll like even better is on the next page, that. we've got a bit of a projection update for you and also a performance table that shows you short, medium, and long term, you know, one, three, five, ten years. Okay.","start_word":1278,"end_word":1322,"intents":[{"intent":"Update projections","confidence_score":0.10569673},{"intent":"Provide performance table","confidence_score":0.12102668}]},{"text":"So, again, grain of salt with the market because, you know, Yeah. Of stock course. market, I'm not expecting much over the next twelve months. But, again, Yeah.","start_word":1328,"end_word":1355,"intents":[{"intent":"Evaluate market","confidence_score":0.2629572}]},{"text":"And do we I mean, I would sort of judge on my age. I think we would stay in more of a high risk whilst I'm still younger. Well, keep watching it.","start_word":1411,"end_word":1442,"intents":[{"intent":"Assess risk","confidence_score":0.017828707}]},{"text":"at the moment, main plan for you is 40 to 50, get the most growth possible, and then slowly reduce the risk from 50 to 60, and then retire early after that. Yep.","start_word":1453,"end_word":1485,"intents":[{"intent":"Evaluate retirement plan","confidence_score":0.051159304}]},{"text":"at the moment, main plan for you is 40 to 50, get the most growth possible, and then slowly reduce the risk from 50 to 60, and then retire early after that. Yep. Okay. Retire me early, please, Tommy. Will do.","start_word":1453,"end_word":1493,"intents":[{"intent":"Retire early","confidence_score":0.20047869}]},{"text":"There's no point trying to overhaul and, you know, replace all the cover with another insurer. Okay.","start_word":1526,"end_word":1542,"intents":[{"intent":"Replace insurance coverage","confidence_score":0.071736}]},{"text":"cut that off after October 10937 a month worth of cover from $6.03 $4.06, so that'll bring it back up. The 70% increase in cover, that warranted about a 60% increase in the premium.","start_word":1571,"end_word":1604,"intents":[{"intent":"Cut costs","confidence_score":0.00289729}]},{"text":"From this point, I basically just need to get you booked in with Jack and the implementation team to go through the application to increase the income protection. Okay.","start_word":1655,"end_word":1683,"intents":[{"intent":"Schedule call with jack","confidence_score":0.0055732303}]},{"text":"And if that needs to change anything in terms of beneficiary nominations for life insurance or super, just let us know on the team to sort out the paperwork with you. Okay.","start_word":2181,"end_word":2212,"intents":[{"intent":"Update beneficiary nominations","confidence_score":0.011077204}]},{"text":"I don't know who gets my super.","start_word":2229,"end_word":2235,"intents":[{"intent":"Provide super super number","confidence_score":0.0000961207}]},{"text":"So we've got your account open, and we'll grab your beneficiary details.","start_word":2316,"end_word":2327,"intents":[{"intent":"Obtain beneficiary information and split estate","confidence_score":0.00003783561},{"intent":"Collect beneficiary details","confidence_score":0.0017301396}]},{"text":"Just because he'll be out of or not if she's beneficiary, but you gotta get the witness just like you do with the will because they're legal documents. Yeah.","start_word":2536,"end_word":2564,"intents":[{"intent":"Provide will and testament documents","confidence_score":0.00009536631}]}]},"sentiments":{"segments":[{"text":"Kelly speaking.","start_word":0,"end_word":1,"sentiment":"neutral","sentiment_score":0.03140746429562569},{"text":"Good morning, Amelia.","start_word":2,"end_word":4,"sentiment":"positive","sentiment_score":0.3689356744289398},{"text":"Tommy here from Oakview, mate. How are you doing this fine Speaking. Friday?","start_word":5,"end_word":17,"sentiment":"neutral","sentiment_score":0.2800178527832031},{"text":"Good.","start_word":18,"end_word":18,"sentiment":"positive","sentiment_score":0.36183157563209534},{"text":"How are you? Right. Living the dream. It's overcast, freezing, miserable, otherwise perfect. You have no idea what call it is, Tommy, but that's okay. I know. I know. I was just speaking to someone in Victoria who said it was zero this morning, and I'm sitting here running up at fourteen.","start_word":19,"end_word":70,"sentiment":"neutral","sentiment_score":-0.14702388644218445},{"text":"It's just these Queensland homes are not built well. No. They're not.","start_word":71,"end_word":82,"sentiment":"negative","sentiment_score":-0.39410027861595154},{"text":"No. I've got this advice document to send through to you today. How long have you got for me? How long do you need? Yeah. That's fine. Let's do it.","start_word":83,"end_word":112,"sentiment":"neutral","sentiment_score":0.004270252771675587},{"text":"Perfect.","start_word":113,"end_word":113,"sentiment":"positive","sentiment_score":0.4435024559497833},{"text":"So I'll pop that through to you now. Will you have access to your emails? Yeah. I'm on it right now. Sensational. And just while that's coming through, could you please confirm your date of birth and address for security? Third of the first nineteen eighty six, Number 4 Bifield Road, Parkerville, WA 6081. Thank you, Amelia. And I'm registered with Asic as adviser 1273105. Thank god. Alrighty. I was worried. Just to make sure it's not a scam. Alright. So that should pop through pretty quickly. And you're Yeah. okay I'm for on the it call now. to be recorded? Yep. Go for it.","start_word":114,"end_word":218,"sentiment":"neutral","sentiment_score":0.05237974971532822},{"text":"Perfect.","start_word":219,"end_word":219,"sentiment":"positive","sentiment_score":0.33410322666168213},{"text":"So the documents that come through today, we've got the advice document with the Gold Coast picture on the front. We've got a Neos alteration quote and a few product disclosure documents attached as well. Now Okay. if you can just scroll through with me through page four where we've got the scope of advice. Age five? Yeah. It's sort of with the Odoo sign, the numbers are a bit strange. So Okay. three, four, and five is your scoping. Okay. Got it. Cool. So we're just focusing on a bit of an update to the portfolio in the super. I know the typical is doing well, but there was just that one that wasn't doing too well. So I've found a bit of a replacement for that. But I've also got an update on a few options for you just to engine tune up on the portfolio. Insurance wise, we were just looking at a bit of an increase of the income protection to be Okay. Yep. in line with your the current income. Does that ring a bell? Yep.","start_word":220,"end_word":400,"sentiment":"neutral","sentiment_score":0.021581061647494855},{"text":"Perfect.","start_word":401,"end_word":401,"sentiment":"positive","sentiment_score":0.3811500072479248},{"text":"Estate planning, we do got some reminders in there just in terms of, you know, beneficiary nominations, wills, hours of attorney, and so on. And we're not giving advice on cash flow and debt management. Pretty well. Oh, tell me you keep cutting out. Oh, I do apologize. Are you there? Can you hear me okay at the moment? Yeah. That's better. Perfect. I'll just say that in terms of cash flow and debt management, we're not giving advice on those areas today. You're just managing your mortgages and Nope. legal I've concerns lost you and everything personal. again. Why Sorry. do I keep Is that losing a bit you? better? A little bit. Is it crackly or just cutting out there? No. It just Oh, completely goes black. Blank. bugger. That's okay. I hope that's cool. We'll give it a go. Alright. Give it a go. So what did you say before? Just in terms of cash flow and debt management, we're not giving advice on that today. You're managing Yeah. Of your own, you know, mortgage repayments and legal concerns and so on. course. Yeah. Perfect. If you could have a flick through for me, scroll through. We've got the about you section on seven and eight and assets and liabilities, which should all be pretty current. I'm assuming nothing's Yep. changed in the last month or two.","start_word":402,"end_word":631,"sentiment":"neutral","sentiment_score":-0.050329938530921936},{"text":"Not all good.","start_word":632,"end_word":634,"sentiment":"negative","sentiment_score":-0.5893459320068359},{"text":"Perfect. So keep scrolling through. You'll see risk profile on ten and eleven being high growth, not changing the risk level, just updating investments. I think did we talk about changing the risk profile, or are we we're gonna keep it in high growth? Keep it in high growth for the time being. Okay. Basically, just try and get those high long term returns and then reduce it when you're a bit closer. Okay. Go for Cool. If at any point you're uncomfortable with how it's going, I can always, you know, reduce the risk down. it. Yep. No. I'm good. Cool. If you go to page twelve and thirteen, you'll see strategy recommendation, pretty text heavy there. And table Mhmm. the Basically, the pros and cons of this is replace the option with a like for like active option that you already had and a bit of a rebalance. All of the investments that we're using are pretty well ETF. There's a bit of brokerage to Was buy that them what up we front. were doing? We were getting our investments out of one country and putting them into another. Yeah. And getting them out of that better long option. Okay. That's what we're doing. That reminds me. Yep. Okay. Perfect. So the main disadvantage, of course, is just brokerage fees when we're switching investments and a bit of capital gains tax under the hood, which are factored in. If you can have a look at page 15 for me, there's a nice big hefty table of figures under investments there. Yep. So the main one to look at here is the second last column has target weight. We're pretty much bringing everything back to round figures, which is a bit of a rebalance. But that second row, better long concentrated equities, that's the one that I'm kind of removing and replacing. Okay. And down the bottom, third last row, Alfiniti Australian share, that's one of the replacement options for that.","start_word":635,"end_word":966,"sentiment":"neutral","sentiment_score":-0.016682178320654904},{"text":"Okay. Basically, lower fees, better performance over one, three, five, and ten years, and basically brings everything back on track.","start_word":967,"end_word":986,"sentiment":"positive","sentiment_score":0.6129107475280762},{"text":"And there's a few sectors that I'm switching around from, you know, Japan and Europe and so on to a few updated areas, which is mainly like health care, India, a few sort of sector plays, if that makes sense. K. The other thing too, Amelia, is with your Benelon, there was a bit of cash pulling up there as well. It's they had a bit of a change to the holding, so there wasn't any investments going in while it was going down.","start_word":987,"end_word":1070,"sentiment":"neutral","sentiment_score":0.17284351587295532},{"text":"So the the cash side, which is really good, and we're just gonna get that Okay.","start_word":1071,"end_word":1086,"sentiment":"positive","sentiment_score":0.40500912070274353},{"text":"invested as well. K? Last couple of pages for the super for me is seventeen and eighteen. There's a pie chart there for asset allocation. Mhmm. Middle row growth total for high growth, you're aiming for about 90% in growth assets. You're sitting at about 70 at the moment because a lot of cash got pulled to the side to not go into that Benelon option. And we're just getting that invested, bringing you back up in line with the risk profile. Okay.","start_word":1087,"end_word":1169,"sentiment":"neutral","sentiment_score":0.10886756330728532},{"text":"Cool.","start_word":1170,"end_word":1170,"sentiment":"positive","sentiment_score":0.3423025906085968},{"text":"Next page after that, the fee comparison. So top right, there's about a thousand bucks of capital gains tax from switching Yep. the investments that we factor in. The Yep. investment fees will drop in half, So it'll save about $700 there, and that pretty much offsets the increased premiums for the income protection. Okay.","start_word":1171,"end_word":1225,"sentiment":"neutral","sentiment_score":0.2569024860858917},{"text":"Cool. Down the bottom, five year rolling average, this will bring it back up into double digits again. So high growth, we've got to aim for at least 10% is the average, and this will bring it back up to about 12 with the the fix up of the options. Good. I like And what you'll like even better is on the next page, that.","start_word":1226,"end_word":1290,"sentiment":"positive","sentiment_score":0.47540506537144},{"text":"we've got a bit of a projection update for you and also a performance table that shows you short, medium, and long term, you know, one, three, five, ten years. Okay.","start_word":1291,"end_word":1321,"sentiment":"neutral","sentiment_score":0.19981111586093905},{"text":"Projections look good. Cool. Very good.","start_word":1322,"end_word":1327,"sentiment":"positive","sentiment_score":0.6029328107833862},{"text":"So, again, grain of salt with the market because, you know, Yeah. Of stock course. market, I'm not expecting much over the next twelve months. But, again, Yeah.","start_word":1328,"end_word":1355,"sentiment":"neutral","sentiment_score":0.02831081859767437},{"text":"long term, 50 to a 100 would be nice as a boost.","start_word":1356,"end_word":1367,"sentiment":"positive","sentiment_score":0.461141049861908},{"text":"And the main thing is just that performance table consistently getting double digits across all time frames, not just some of them. Yep. K? Any questions on that so far? Do you like what I've come up with? Yeah. No. I like it. And do we I mean, I would sort of judge on my age. I think we would stay in more of a high risk whilst I'm still younger. Well, keep watching it. Keep Perfect. watching it. We're up. I like Well, this. at the moment, main plan for you is 40 to 50, get the most growth possible, and then slowly reduce the risk from 50 to 60, and then retire early after that. Yep. Okay. Retire me early, please, Tommy. Will do. I'll do my best.","start_word":1368,"end_word":1497,"sentiment":"neutral","sentiment_score":0.11301236599683762},{"text":"Thank The you.","start_word":1498,"end_word":1500,"sentiment":"positive","sentiment_score":0.3461981415748596},{"text":"other thing after that is the Nios increase. So I I did have a bit of a shop around.","start_word":1501,"end_word":1519,"sentiment":"neutral","sentiment_score":0.12668319046497345},{"text":"Nios still came out really good.","start_word":1520,"end_word":1525,"sentiment":"positive","sentiment_score":0.407292753458023},{"text":"There's no point trying to overhaul and, you know, replace all the cover with another insurer. Okay. Basically, bringing you back up because your policy is twenty twenty twenty one, they insure you for 75% of your income instead of 70. If the government Okay. cut that off after October 10937 a month worth of cover from $6.03 $4.06, so that'll bring it back up. The 70% increase in cover, that warranted about a 60% increase in the premium.","start_word":1526,"end_word":1604,"sentiment":"neutral","sentiment_score":0.07239525765180588},{"text":"So not too bad in the increase there. Yep. That's Cool. I have attached fine.","start_word":1605,"end_word":1619,"sentiment":"positive","sentiment_score":0.44967150688171387},{"text":"oh, included those premiums in the projections as well, but I've also attached a Nios quote, which I'm gonna get refreshed for you because they tend to have a bit of an expiry on them. From this point, I basically just need to get you booked in with Jack and the implementation team to go through the application to increase the income protection. Okay. Would you have a bit of time available in just trying to line up with the quote there. Friday is generally always good, so let's do next Friday. Okay. Pop that in. And in terms of timing, the warning best for you? Yep. K. Would it be okay if I did the same time on that Friday next week? Yeah. Perfect. Just as long as you send me a calendar invite. Otherwise, I'll lose it. Yep. Calendar invite for 09:30 next Friday. Mhmm. And in between, I'll just get a bit of a refresh quote off to you as well. Alrighty. Any questions for the car, Amelia?","start_word":1620,"end_word":1790,"sentiment":"neutral","sentiment_score":0.10859142243862152},{"text":"That was good.","start_word":1791,"end_word":1793,"sentiment":"positive","sentiment_score":0.4190004169940949},{"text":"Cool. So from here, basically, once you sign the authority to proceed, we will jump on next week and move the investments around, and Mhmm. we'll send off a request to update the quote with Neos today, and that should be back in time for Friday. If not, I'll get someone to touch base with you straight away just to reschedule. Okay. One of the investments was doing very well. I need to go investigate. Yes. Where is that page? The iShares, the S and P 500? What is that? What's So it then? that is your basically, your American shares. Top 500 companies in The US is one of your kind of core options that keep you along. Okay.","start_word":1794,"end_word":1913,"sentiment":"neutral","sentiment_score":0.08990131318569183},{"text":"Cool. So that's definitely one of the best ones.","start_word":1914,"end_word":1922,"sentiment":"positive","sentiment_score":0.5234161019325256},{"text":"You never wanna get rid of that one.","start_word":1923,"end_word":1930,"sentiment":"neutral","sentiment_score":0.2623061239719391},{"text":"That's probably the most consistent portfolio you could ever have.","start_word":1931,"end_word":1940,"sentiment":"positive","sentiment_score":0.5088200569152832},{"text":"But around that, we just got a few smaller ones. They're kinda like satellite. They sled dogs that pull you along a little bit quicker, but the main core for you Australian shares options around it as well. Okay.","start_word":1941,"end_word":1979,"sentiment":"neutral","sentiment_score":0.12891152501106262},{"text":"And we're And keeping the cash a bit of account, gold because you're that gonna should be reinvest pretty good.","start_word":1980,"end_word":1999,"sentiment":"positive","sentiment_score":0.3645649254322052},{"text":"what's in the cash account into other stuff. Is that what that means? Yeah. Correct. Yeah. Okay. So the cash So, account is basically, gonna what be happened moved. was yeah. That'll get moved into the options above. Okay.","start_word":2000,"end_word":2038,"sentiment":"neutral","sentiment_score":0.06152025982737541},{"text":"Cool. Do it. I will sign this now. Beautiful.","start_word":2039,"end_word":2047,"sentiment":"positive","sentiment_score":0.4467639625072479},{"text":"If you need anything in between, please give us a bell. I will get you a a text message when we send that updated quote through, and I'll send through a calendar invite today. Yeah. Okay. And my sister is working on my updated will, etcetera, because we just need to protect Yep. some stuff. Do you need updates on that? Mainly just next time we chat, just let us know once it's in place so we can add that onto the file. We don't need to hold a copy of the will or anything like that. We would just like to know that it's sorted so we don't have to keep Yep. nagging me about it. Okay. I'll get it sorted with her over the by the end of the month.","start_word":2048,"end_word":2179,"sentiment":"neutral","sentiment_score":0.14403493702411652},{"text":"Awesome.","start_word":2180,"end_word":2180,"sentiment":"positive","sentiment_score":0.4761450290679931},{"text":"And if that needs to change anything in terms of beneficiary nominations for life insurance or super, just let us know on the team to sort out the paperwork with you. Okay. I think she gets it all. Does she get it? Or does my mom get it? I don't know who gets my super. Oh, let me have a look. Actually, if you don't mind holding for about a minute or two, I'll just have to log in to actually find your beneficiary. Is that okay? Yeah. That's fine. Alright. It won't be a moment. Otherwise, have you had a fantastic week, or has it just been chaos after chaos? It's been pretty hectic at the minute. I'm not gonna lie, but that's it's good busy. Yeah. Making money.","start_word":2181,"end_word":2310,"sentiment":"neutral","sentiment_score":0.067073779925704},{"text":"Busy. That's always nice.","start_word":2311,"end_word":2314,"sentiment":"positive","sentiment_score":0.6234695315361023},{"text":"Alright. So we've got your account open, and we'll grab your beneficiary details. Actually, there's no beneficiary on Netwealth at the moment. Let me have a quick look see Because were you meaning to leave it to who is your intended beneficiary for the sofa? My sister well, my mom and my sister will split my estate until unless my mom dies, then my sister gets everything. That's alright. So what we're gonna do there is in the will, that should include, like, the superannuation. We do a beneficiary nomination to the estate, Yeah. and that way it's all captured together. So I'll make sure that gets sorted with you as well. And for the, like, life insurance, are you wanting to do because that can be direct. You don't have to go through a will for life insurance. You just wanna split it between them, or what would fit your preference there? Let me talk to her first. This is her game. So I'll work out she can work out what to do, and I'll email you the outcome. Yep. I'll get the forms off to you as well just in case. Are you okay to kind of print them off an email, or do you want me to post them out? I'll print them an email. It's fine. Cool. Just because he'll be out of or not if she's beneficiary, but you gotta get the witness just like you do with the will because they're legal documents. Yeah. No problem. I'll sort of that.","start_word":2315,"end_word":2570,"sentiment":"neutral","sentiment_score":0.0909598022699356},{"text":"Easy done.","start_word":2571,"end_word":2572,"sentiment":"positive","sentiment_score":0.3781079649925232},{"text":"Alrighty, Millie. Anything else I can help with before I let you go? That's it.","start_word":2573,"end_word":2587,"sentiment":"neutral","sentiment_score":0.1991259902715683},{"text":"Appreciate it, Tommy.","start_word":2588,"end_word":2590,"sentiment":"positive","sentiment_score":0.5484322309494019},{"text":"No worries. Talk to you next Friday, and just keep an ear out for a few months. Alright.","start_word":2591,"end_word":2608,"sentiment":"neutral","sentiment_score":0.2542807161808014},{"text":"Chat then. Thank you. Have a great weekend. See you later.","start_word":2609,"end_word":2619,"sentiment":"positive","sentiment_score":0.6850942373275757},{"text":"Bye bye. Bye.","start_word":2620,"end_word":2622,"sentiment":"neutral","sentiment_score":0.2306824028491974}],"average":{"sentiment":"neutral","sentiment_score":0.097430966034641}}}}