{"metadata":{"transaction_key":"deprecated","request_id":"019f1180-2675-7141-9f15-04a089f78378","sha256":"4d1b29f2dd873e34c1831d64de6bc09f0eacacba3258435eda583e1da1f249ee","created":"2026-06-29T03:50:41.370Z","duration":1158.84,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":4489,"output_tokens":95},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5097,"output_tokens":5107},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5097,"output_tokens":363}},"results":{"channels":[{"alternatives":[{"transcript":"Good day, Daniel. Tommy here, senior adviser from. How are you doing? Living the dream so far. It's been a fantastic day. All the clouds have come out. What about your end? Can't complain, mate. I've just got you booked in to go through a quick catch up for some updated advice we're sending through to you, but team did let me know that you might be a little bit busy today. Oh, perfect. Perfect. So what I'm gonna do is I'm gonna shoot through this email to you in a sec. Do you mind if I just do the quick security check? Cool. So I'm registered with Asic as adviser one 273105. Could you please confirm your date of birth and address? Sensational. So I'm gonna pop this advice through to your BigPond address if you've got access to it. Were you gonna look into the documents with me today, or would you want me to just walk you through what's coming your way? Yep. Cool. So I'm popping this through. Email should come through pretty quickly. It is our new system, so it might go through to your spam box. But you should have an email come through from Oku Financial signature request for a statement of advice. No. That's no worries at all. It's always the way. And just to sort of let you know what's coming through. So there's an updated advice document, but there's also the usual supporting documents that go with it just in terms of, you know, investment menus, some reports for your annual review, certificate for your insurances, all that kind of thing. Yeah. So I'll quickly walk you through what's there, and then let me know if you're comfortable with it. So because I'm kind of taking over the advice while Carl's not here, I just wanted to let you know what he was going through. If you remember, mate, there was a bit of a review on the investments inside your super because one of the investments was kinda dragging its feet. Does that ring a bell? Yep. Outside of that, he did just put the usual flags in there for estate planning. Just say, hey. Look. Make sure you've got your will and your power of attorney and everything up to date. And we're not giving advice on insurances because you said they were pretty comfortable at the time. You guys had a bit of a review, looked pretty good, and so we're just factoring in the impact of the premiums. Outside of that, there was some debt and cash flow goals just obviously focused on the business, pay down the mortgage, possibly upgrade your truck and machinery as your main focus for your cash flow. Is that right? Beautiful. Mate, outside of that, we're not giving investment advice right now because you've got some cash flow priorities. But, basically, we've got the info noted down for, like, your income and occupation as a self employed doing earthmoving, and you've got the investment property, truck, machinery, your main residence, savings as your assets, and everything. Yep. Main thing is your high growth portfolio. So we're not changing your risk level. We're still keeping your high growth, trying to get you the high returns until you're closer to retirement. Main thing is I've switched out some of the investments there. So with that Benelon that was dragging its feet, I've put you in a low fee ETF called BetaShares Australia two hundred. So it basically just reduces your investment fees, much better returns over one, three, five, and ten years, and just a bit of a rebalance because what happens is some of your, like, your shares and your properties and your gold, they go up and down, and we're just bringing them back to the middle again because, obviously, markets move and your different assets grow and drop and all that kind of thing. So we're just rebalancing everything to a clean figures and just replacing that one option. K. So keeps you at 92% growth assets. Your investment fees based on your current balance go down about $400, so it halves your investment cost. And the returns go back to double digits where they should be. So instead of that eight to 10%, we're talking more 13 to 18% because your benchmark is 10% or above. K? I haven't put any contributions in right now just because, obviously, being self employed, that's probably something to come back to when you do have the cash flow or if you start, you know, drawing wages or paying yourself super. So I've just done projections based on the super growing by itself. So what I've basically got there, it's estimated over five to ten years, that'll bump things up about 40 to $100. That would be a lot more of contributions were coming in, but I'm just going nice and conservative for now. Yep. Well, it depends on your commerce like, in the financial year now, do you normally talk to your accountant about the super when you go to do your tax return and everything? Yeah. And it's, what, last day of the financial year, and then all of a sudden, we've got tax returns. So you got a bit more time being self employed. Yeah. And that's one of the things that I'm not gonna recommend you chuck $30 into your super if you've got you know, you don't know whether your taxes are coming out good or not or if you owe money to the government. So, you know, once things are stable, that's something to come back to. Just a bit of info for you. So just so you know in the back of your mind how it works. Normally, when people go self employed, first three to five years is just, I guess, building the cash flow up and dealing with things like your GST, your BAS statements, your taxes. And then once things get comfortable, two ways of doing super. Either people end up at the end of the financial year with heaps of money left over, and they go, alright. I'm gonna chuck $20 into super because I don't wanna get huge tax bill. Or, yep, there's that. Or if you get to a point where you've got, like, a company and you start paying yourself a regular wage or a salary, then you just pay yourself the 12% on that just like if you're an employee. So there's a couple different ways to do it, and we have a lot of self employed clients who do, like, a a BPAY contribution in once a year or, you know, $50 a week, and then we help them do the forms to claim it as a tax deduction. So whenever you need that help, that's something that we're gonna, like, touch base with you on, but we're available at any point to help you with. Makes sense? Yeah. And it's one of those things where you don't wanna get to 58 and have forgotten about it because then it's it hasn't been moving, and then it's a bit hard to catch it up. But, look, at this point, we do a little bit of an engine stream up on the super portfolio that gets it growing a bit quicker. And then I can just put some flags on the account that when we talk to you next, we'll just follow-up on it and see how you went with your accountant. And we can just you know, it may not be this year or next financial year, but over the next couple of years, we might just start something small off with you. Whatever kind of. Yeah. Even I know some people do that $50 a week or something just so it's it's going. Depends. So have a think about it. Talk to the partner. Talk to your accountant. And if you want any further info, just call up our 1300 number and book in with me or the team, and we'll kind of walk you through a few options again. Cool. One thing I wanted to check with you is just in terms of the beneficiary nominations, there was possibly a note there to update those. And all I've done in the advice document is saying, hey. Look. Let's just make sure that your super and your life insurance are all up to date because you had the three kids listed equally as beneficiaries, but you were talking about maybe splitting it between the partner and the kids or something like that. Would it be easier if would it be easier if I I sent you the forms and you just had a bit of time to think about it? Yep. I guess one of the things to say, when it comes to the kids, are they all 18? Yeah. Cool. So the easiest way to think is, like, let's say everything goes to the partner as as one option, and then, obviously, she can look after everything from there. If you distribute it out to kids, if they're 18, whoever their guardian is, whether it's your partner or somebody else if you both pass away, they're the people who control their their money until the right team. Right? So something to look at down the line is things like you can do a testamentary trust will where you put in place a will and you pass away and it opens up a trust fund and you can be a bit more specific with how the money goes to the kids. But when you're thinking your beneficiaries for the super and the life insurance, you're basically split between, okay, do I just nominate my partner, or do I go, okay, you know, bit for the partner, bit for the kids? And just as long as you know that who's gonna look after the money for them. Yep. And you've got a couple of options when the forms come. Some of them a bit silly, but you can choose whether you want beneficiary nominations to expire every three years or if it's just continuous until you change it. Any preference there? Yeah. You you can expire every three years, which kind of forces you to look at it, or you can just have it continuous until you change it, and then it's kind of locked in unless you decide to change it. Yeah. Yeah. That's fine. It's a good reminder. Yep. And then this one's a little bit of a strange question, but you can choose for it to be legally binding or nonbinding, which basically means legally binding the super fund or the insurer has to do it. And if it's nonbinding, it means the super fund has a bit of discretion on where the money goes. So I've got a bit of a flag here where I'm gonna send through the forms with a bit of a cover letter with some instructions on how to do it. And it's basically you tick the box for that binding lapsing. So it's legally binding, and it doesn't expire. And then you just put in who you wanna nominate and the percentage, and you're just gonna get two people to witness it who are not your beneficiary. Cool. But any trouble at all, mate, just call the the team up, and they can walk you through it in about two minutes flat. Cool. So as a bit of a reminder, what we're basically doing, fix up the super portfolio a little bit, and we'll send you out the beneficiary forms. And then it's just basically keep an eye on things, revisit the contributions later, see how you're going with the business and properties, and come back to, you know, insurance changes and things after that, maybe investment down the line. Does that all sound okay for you? Any questions on that? I know I've just kind of throwing a bit of info at you, but does it make sense? Beauty. One of the things I've gotta let you know too in terms of disadvantages is whenever we change investments inside your super, we just factor in things like if there's any capital gains tax under the hood or fees for changing investments because we've got control over what we buy and sell. So when I show you the those projections in the document, that factors all of the fees and taxes and things into it from all the advice put together. Cool. Because it's things like, you know, brokerage. Like, if I tell you to buy this investment instead of that one, well, the supercharges that 0.11% because it's an ETF and they've gotta buy it, and then it's super low fees after that. Alright? So I'll leave that there with you. Basically, if you're happy to sign off on that, we can do the investment switch and send you out that pack. I'm just gonna quickly double check. So your certificate's there for the insurances. Oh, did you just do it? Yeah. Yep. Let me have a quick look. Yeah. I'll see if that's popped through just yet. So when you go through the the buttons, there's little purple buttons, and it should pull you down there to stamp your signature and everything. And then at the very bottom, once you skip through all the documents, because there's a a bunch of other documents underneath it, the financial services guide and so on. Once you skip to the last one, it'll ask you to validate it. Yeah. So once it's signed, you basically just gonna keep hitting purple buttons Just skip past all the documents, make sure you know what you're signing. Beautiful. Which that also includes, like, service agreement with us just to make sure we're still listed as your advisers. Again, same sort of 1.65% on the fees and all that kind of thing coming through the super. You're on the the partner discount, 1.1 instead of 1.65. So we can't change anything, obviously, unless we've got your consent with Netwealth. And one of the first documents you saw was that big blue statement with Netwealth. That one basically shows, like, why we're doing what we're doing is that it's had a just under 11% return after fees, which is fantastic, but there's that one option that's in there as a negative. And I think you're sitting at about a 151,000 at the moment, and you're sitting at a 136 last year. Alright. I'll have a little refresh and have a quick look. It hasn't come through just yet, but usually when you get to the bottom, that last purple button that goes validate, it sometimes spins for about a minute or so, especially if the Internet's slow, and then it asks you to save a copy. Yeah. Look. I might I might sort of leave it with you in case your reception cuts out or anything, but maybe just see if it loads. And if not, maybe when you get back home, just have a quick look for me. Yeah. Look. No rush. Like, we're not gonna try and submit everything this afternoon. Just have a look when you get home. And, yeah, that way it's easier to read the documents too rather than on the phone. Cool. Look. Any questions you got, just give us a buzz or send a text or an email through before you sign it. And if it comes through, the team will pretty much just jump on Netwealth, submit everything, and start switching the investments around. Awesome, mate. No. Sorry to catch you while you're out and about, but anything else I can do for you? Yeah. Cool. And last question for me is just in terms of, like, catch up frequency. We obviously pencil in the annual review and keep an eye on things. But do you want me to put in for any quarterly or six monthly catch ups, or do you prefer just to wait for that twelve months? Yeah. Look. If anything pops up in between, like, you go and talk to your accountant and you've got questions, like, you just call anytime, but we'll kind of reach out to you at the review mark unless something pops up in between. Alrighty. Yeah. Yep. Yeah. Yeah. And easier for us is just if you do the the info email and the 1300 number, it kinda links into your client profile on that new system that we've got. And that way, if I'm away or something, then at least someone can jump on to it for me. Cool. Alright, mate. Well, I might leave you to it for the day. But like I said, with the beneficiaries for the the life insurance and the super, do you want those emailed out so you can print them, or do you just want us to post you out a pack with an envelope? Yep. Alright. So what'll happen is it'll have a cover letter on how to do it and a bit of a return envelope, and you just basically sign, get a witness, and flick it back to us, and we'll submit it all and chase it up. Beauty. Alright, mate. Thank you so much for your time. I do appreciate it. Just lunchtime and everything. But, look, it really helps us getting the extra info checked out and making sure you're comfortable before we change anything. And then if we need to revisit it, at least we've got that time frame as well. Goody, Daniel. Thank you so much for your time, mate, and I'll talk to you again soon. But if I don't hear from you, just keep an eye out for that mail. Awesome, mate. Take it easy. Cheers. 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day, Daniel. Tommy here, senior adviser from. How are you doing? Living the dream so far. It's been a fantastic day.\n\nAll the clouds have come out. What about your end? Can't complain, mate. I've just got you booked in to go through a quick catch up for some updated advice we're sending through to you, but team did let me know that you might be a little bit busy today. Oh, perfect.\n\nPerfect. So what I'm gonna do is I'm gonna shoot through this email to you in a sec. Do you mind if I just do the quick security check? Cool. So I'm registered with Asic as adviser one 273105.\n\nCould you please confirm your date of birth and address? Sensational. So I'm gonna pop this advice through to your BigPond address if you've got access to it. Were you gonna look into the documents with me today, or would you want me to just walk you through what's coming your way? Yep.\n\nCool. So I'm popping this through. Email should come through pretty quickly. It is our new system, so it might go through to your spam box. But you should have an email come through from Oku Financial signature request for a statement of advice.\n\nNo. That's no worries at all. It's always the way. And just to sort of let you know what's coming through. So there's an updated advice document, but there's also the usual supporting documents that go with it just in terms of, you know, investment menus, some reports for your annual review, certificate for your insurances, all that kind of thing.\n\nYeah. So I'll quickly walk you through what's there, and then let me know if you're comfortable with it. So because I'm kind of taking over the advice while Carl's not here, I just wanted to let you know what he was going through. If you remember, mate, there was a bit of a review on the investments inside your super because one of the investments was kinda dragging its feet. Does that ring a bell?\n\nYep. Outside of that, he did just put the usual flags in there for estate planning. Just say, hey. Look. Make sure you've got your will and your power of attorney and everything up to date.\n\nAnd we're not giving advice on insurances because you said they were pretty comfortable at the time. You guys had a bit of a review, looked pretty good, and so we're just factoring in the impact of the premiums. Outside of that, there was some debt and cash flow goals just obviously focused on the business, pay down the mortgage, possibly upgrade your truck and machinery as your main focus for your cash flow. Is that right? Beautiful.\n\nMate, outside of that, we're not giving investment advice right now because you've got some cash flow priorities. But, basically, we've got the info noted down for, like, your income and occupation as a self employed doing earthmoving, and you've got the investment property, truck, machinery, your main residence, savings as your assets, and everything. Yep. Main thing is your high growth portfolio. So we're not changing your risk level.\n\nWe're still keeping your high growth, trying to get you the high returns until you're closer to retirement. Main thing is I've switched out some of the investments there. So with that Benelon that was dragging its feet, I've put you in a low fee ETF called BetaShares Australia two hundred. So it basically just reduces your investment fees, much better returns over one, three, five, and ten years, and just a bit of a rebalance because what happens is some of your, like, your shares and your properties and your gold, they go up and down, and we're just bringing them back to the middle again because, obviously, markets move and your different assets grow and drop and all that kind of thing. So we're just rebalancing everything to a clean figures and just replacing that one option.\n\nK. So keeps you at 92% growth assets. Your investment fees based on your current balance go down about $400, so it halves your investment cost. And the returns go back to double digits where they should be. So instead of that eight to 10%, we're talking more 13 to 18% because your benchmark is 10% or above.\n\nK? I haven't put any contributions in right now just because, obviously, being self employed, that's probably something to come back to when you do have the cash flow or if you start, you know, drawing wages or paying yourself super. So I've just done projections based on the super growing by itself. So what I've basically got there, it's estimated over five to ten years, that'll bump things up about 40 to $100. That would be a lot more of contributions were coming in, but I'm just going nice and conservative for now.\n\nYep. Well, it depends on your commerce like, in the financial year now, do you normally talk to your accountant about the super when you go to do your tax return and everything? Yeah. And it's, what, last day of the financial year, and then all of a sudden, we've got tax returns. So you got a bit more time being self employed.\n\nYeah. And that's one of the things that I'm not gonna recommend you chuck $30 into your super if you've got you know, you don't know whether your taxes are coming out good or not or if you owe money to the government. So, you know, once things are stable, that's something to come back to. Just a bit of info for you. So just so you know in the back of your mind how it works.\n\nNormally, when people go self employed, first three to five years is just, I guess, building the cash flow up and dealing with things like your GST, your BAS statements, your taxes. And then once things get comfortable, two ways of doing super. Either people end up at the end of the financial year with heaps of money left over, and they go, alright. I'm gonna chuck $20 into super because I don't wanna get huge tax bill. Or, yep, there's that.\n\nOr if you get to a point where you've got, like, a company and you start paying yourself a regular wage or a salary, then you just pay yourself the 12% on that just like if you're an employee. So there's a couple different ways to do it, and we have a lot of self employed clients who do, like, a a BPAY contribution in once a year or, you know, $50 a week, and then we help them do the forms to claim it as a tax deduction. So whenever you need that help, that's something that we're gonna, like, touch base with you on, but we're available at any point to help you with. Makes sense? Yeah.\n\nAnd it's one of those things where you don't wanna get to 58 and have forgotten about it because then it's it hasn't been moving, and then it's a bit hard to catch it up. But, look, at this point, we do a little bit of an engine stream up on the super portfolio that gets it growing a bit quicker. And then I can just put some flags on the account that when we talk to you next, we'll just follow-up on it and see how you went with your accountant. And we can just you know, it may not be this year or next financial year, but over the next couple of years, we might just start something small off with you. Whatever kind of.\n\nYeah. Even I know some people do that $50 a week or something just so it's it's going. Depends. So have a think about it. Talk to the partner.\n\nTalk to your accountant. And if you want any further info, just call up our 1300 number and book in with me or the team, and we'll kind of walk you through a few options again. Cool. One thing I wanted to check with you is just in terms of the beneficiary nominations, there was possibly a note there to update those. And all I've done in the advice document is saying, hey.\n\nLook. Let's just make sure that your super and your life insurance are all up to date because you had the three kids listed equally as beneficiaries, but you were talking about maybe splitting it between the partner and the kids or something like that. Would it be easier if would it be easier if I I sent you the forms and you just had a bit of time to think about it? Yep. I guess one of the things to say, when it comes to the kids, are they all 18?\n\nYeah. Cool. So the easiest way to think is, like, let's say everything goes to the partner as as one option, and then, obviously, she can look after everything from there. If you distribute it out to kids, if they're 18, whoever their guardian is, whether it's your partner or somebody else if you both pass away, they're the people who control their their money until the right team. Right?\n\nSo something to look at down the line is things like you can do a testamentary trust will where you put in place a will and you pass away and it opens up a trust fund and you can be a bit more specific with how the money goes to the kids. But when you're thinking your beneficiaries for the super and the life insurance, you're basically split between, okay, do I just nominate my partner, or do I go, okay, you know, bit for the partner, bit for the kids? And just as long as you know that who's gonna look after the money for them. Yep. And you've got a couple of options when the forms come.\n\nSome of them a bit silly, but you can choose whether you want beneficiary nominations to expire every three years or if it's just continuous until you change it. Any preference there? Yeah. You you can expire every three years, which kind of forces you to look at it, or you can just have it continuous until you change it, and then it's kind of locked in unless you decide to change it. Yeah.\n\nYeah. That's fine. It's a good reminder. Yep. And then this one's a little bit of a strange question, but you can choose for it to be legally binding or nonbinding, which basically means legally binding the super fund or the insurer has to do it.\n\nAnd if it's nonbinding, it means the super fund has a bit of discretion on where the money goes. So I've got a bit of a flag here where I'm gonna send through the forms with a bit of a cover letter with some instructions on how to do it. And it's basically you tick the box for that binding lapsing. So it's legally binding, and it doesn't expire. And then you just put in who you wanna nominate and the percentage, and you're just gonna get two people to witness it who are not your beneficiary.\n\nCool. But any trouble at all, mate, just call the the team up, and they can walk you through it in about two minutes flat. Cool. So as a bit of a reminder, what we're basically doing, fix up the super portfolio a little bit, and we'll send you out the beneficiary forms. And then it's just basically keep an eye on things, revisit the contributions later, see how you're going with the business and properties, and come back to, you know, insurance changes and things after that, maybe investment down the line.\n\nDoes that all sound okay for you? Any questions on that? I know I've just kind of throwing a bit of info at you, but does it make sense? Beauty. One of the things I've gotta let you know too in terms of disadvantages is whenever we change investments inside your super, we just factor in things like if there's any capital gains tax under the hood or fees for changing investments because we've got control over what we buy and sell.\n\nSo when I show you the those projections in the document, that factors all of the fees and taxes and things into it from all the advice put together. Cool. Because it's things like, you know, brokerage. Like, if I tell you to buy this investment instead of that one, well, the supercharges that 0.11% because it's an ETF and they've gotta buy it, and then it's super low fees after that. Alright?\n\nSo I'll leave that there with you. Basically, if you're happy to sign off on that, we can do the investment switch and send you out that pack. I'm just gonna quickly double check. So your certificate's there for the insurances. Oh, did you just do it?\n\nYeah. Yep. Let me have a quick look. Yeah. I'll see if that's popped through just yet.\n\nSo when you go through the the buttons, there's little purple buttons, and it should pull you down there to stamp your signature and everything. And then at the very bottom, once you skip through all the documents, because there's a a bunch of other documents underneath it, the financial services guide and so on. Once you skip to the last one, it'll ask you to validate it. Yeah. So once it's signed, you basically just gonna keep hitting purple buttons Just skip past all the documents, make sure you know what you're signing.\n\nBeautiful. Which that also includes, like, service agreement with us just to make sure we're still listed as your advisers. Again, same sort of 1.65% on the fees and all that kind of thing coming through the super. You're on the the partner discount, 1.1 instead of 1.65. So we can't change anything, obviously, unless we've got your consent with Netwealth.\n\nAnd one of the first documents you saw was that big blue statement with Netwealth. That one basically shows, like, why we're doing what we're doing is that it's had a just under 11% return after fees, which is fantastic, but there's that one option that's in there as a negative. And I think you're sitting at about a 151,000 at the moment, and you're sitting at a 136 last year. Alright. I'll have a little refresh and have a quick look.\n\nIt hasn't come through just yet, but usually when you get to the bottom, that last purple button that goes validate, it sometimes spins for about a minute or so, especially if the Internet's slow, and then it asks you to save a copy. Yeah. Look. I might I might sort of leave it with you in case your reception cuts out or anything, but maybe just see if it loads. And if not, maybe when you get back home, just have a quick look for me.\n\nYeah. Look. No rush. Like, we're not gonna try and submit everything this afternoon. Just have a look when you get home.\n\nAnd, yeah, that way it's easier to read the documents too rather than on the phone. Cool. Look. Any questions you got, just give us a buzz or send a text or an email through before you sign it. And if it comes through, the team will pretty much just jump on Netwealth, submit everything, and start switching the investments around.\n\nAwesome, mate. No. Sorry to catch you while you're out and about, but anything else I can do for you? Yeah. Cool.\n\nAnd last question for me is just in terms of, like, catch up frequency. We obviously pencil in the annual review and keep an eye on things. But do you want me to put in for any quarterly or six monthly catch ups, or do you prefer just to wait for that twelve months? Yeah. Look.\n\nIf anything pops up in between, like, you go and talk to your accountant and you've got questions, like, you just call anytime, but we'll kind of reach out to you at the review mark unless something pops up in between. Alrighty. Yeah. Yep. Yeah.\n\nYeah. And easier for us is just if you do the the info email and the 1300 number, it kinda links into your client profile on that new system that we've got. And that way, if I'm away or something, then at least someone can jump on to it for me. Cool. Alright, mate.\n\nWell, I might leave you to it for the day. But like I said, with the beneficiaries for the the life insurance and the super, do you want those emailed out so you can print them, or do you just want us to post you out a pack with an envelope? Yep. Alright. So what'll happen is it'll have a cover letter on how to do it and a bit of a return envelope, and you just basically sign, get a witness, and flick it back to us, and we'll submit it all and chase it up.\n\nBeauty. Alright, mate. Thank you so much for your time. I do appreciate it. Just lunchtime and everything.\n\nBut, look, it really helps us getting the extra info checked out and making sure you're comfortable before we change anything. And then if we need to revisit it, at least we've got that time frame as well. Goody, Daniel. Thank you so much for your time, mate, and I'll talk to you again soon. But if I don't hear from you, just keep an eye out for that mail.\n\nAwesome, mate. Take it easy. Cheers. Bye.","paragraphs":[{"sentences":[{"text":"Good day, Daniel.","start":2.24,"end":3.04,"sentiment":"neutral","sentiment_score":0.2551817496617635},{"text":"Tommy here, senior adviser from.","start":3.04,"end":4.8199997,"sentiment":"neutral","sentiment_score":0.1815561980009079},{"text":"How are you doing?","start":5.04,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.15439198538661003},{"text":"Living the dream so far.","start":7.2799997,"end":8.4,"sentiment":"positive","sentiment_score":0.5893708109855652},{"text":"It's been a fantastic day.","start":8.4,"end":9.84,"sentiment":"positive","sentiment_score":0.7998978495597839}],"sentiment":"positive","sentiment_score":0.4198744310574098,"num_words":22,"start":2.24,"end":9.84},{"sentences":[{"text":"All the clouds have come out.","start":9.84,"end":10.88,"sentiment":"neutral","sentiment_score":0.31568122406800586},{"text":"What about your end?","start":10.88,"end":11.94,"sentiment":"neutral","sentiment_score":0.052116656210273504},{"text":"Can't complain, mate.","start":16.175,"end":17.315,"sentiment":"neutral","sentiment_score":0.011822645862897238},{"text":"I've just got you booked in to go through a quick catch up for some updated advice we're sending through to you, but team did let me know that you might be a little bit busy today.","start":18.095001,"end":26.835,"sentiment":"neutral","sentiment_score":0.08619580458144883},{"text":"Oh, perfect.","start":30.77,"end":31.33,"sentiment":"positive","sentiment_score":0.36356085538864136}],"sentiment":"neutral","sentiment_score":0.11643054590632136,"num_words":52,"start":9.84,"end":31.33},{"sentences":[{"text":"Perfect.","start":31.33,"end":31.810001,"sentiment":"positive","sentiment_score":0.38368821144104},{"text":"So what I'm gonna do is I'm gonna shoot through this email to you in a sec.","start":31.810001,"end":35.25,"sentiment":"neutral","sentiment_score":0.1057617616127519},{"text":"Do you mind if I just do the quick security check?","start":35.25,"end":37.43,"sentiment":"neutral","sentiment_score":0.04372219097885219},{"text":"Cool.","start":38.53,"end":39.03,"sentiment":"neutral","sentiment_score":0.09885676950216292},{"text":"So I'm registered with Asic as adviser one 273105.","start":39.25,"end":43.745,"sentiment":"neutral","sentiment_score":0.08669152069422933}],"sentiment":"neutral","sentiment_score":0.09081186449680573,"num_words":39,"start":31.33,"end":43.745},{"sentences":[{"text":"Could you please confirm your date of birth and address?","start":43.805,"end":46.305,"sentiment":"neutral","sentiment_score":0.057536691427230835},{"text":"Sensational.","start":53.165,"end":53.665,"sentiment":"neutral","sentiment_score":0.08019696176052094},{"text":"So I'm gonna pop this advice through to your BigPond address if you've got access to it.","start":53.805,"end":58.74,"sentiment":"neutral","sentiment_score":0.1002061020802049},{"text":"Were you gonna look into the documents with me today, or would you want me to just walk you through what's coming your way?","start":58.820004,"end":64.12,"sentiment":"neutral","sentiment_score":0.07461606066984434},{"text":"Yep.","start":68.740005,"end":68.98,"sentiment":"neutral","sentiment_score":0.07012997567653656}],"sentiment":"neutral","sentiment_score":0.0796223215688512,"num_words":53,"start":43.805,"end":68.98},{"sentences":[{"text":"Cool.","start":68.98,"end":69.48,"sentiment":"neutral","sentiment_score":0.12848222255706787},{"text":"So I'm popping this through.","start":71.235,"end":72.994995,"sentiment":"neutral","sentiment_score":0.01775788441300392},{"text":"Email should come through pretty quickly.","start":72.994995,"end":75.09499,"sentiment":"neutral","sentiment_score":0.09127689152956009},{"text":"It is our new system, so it might go through to your spam box.","start":75.795,"end":78.854996,"sentiment":"neutral","sentiment_score":-0.003921149963779109},{"text":"But you should have an email come through from Oku Financial signature request for a statement of advice.","start":79.155,"end":86.454994,"sentiment":"neutral","sentiment_score":0.02545736109217008}],"sentiment":"neutral","sentiment_score":0.02655157713558186,"num_words":44,"start":68.98,"end":86.454994},{"sentences":[{"text":"No.","start":91.6,"end":91.76,"sentiment":"neutral","sentiment_score":0.006794247776269913},{"text":"That's no worries at all.","start":91.76,"end":93.3,"sentiment":"neutral","sentiment_score":0.07708657085895539},{"text":"It's always the way.","start":102.415,"end":103.534996,"sentiment":"neutral","sentiment_score":0.30221930146217346},{"text":"And just to sort of let you know what's coming through.","start":103.534996,"end":105.615,"sentiment":"neutral","sentiment_score":0.1330484375357628},{"text":"So there's an updated advice document, but there's also the usual supporting documents that go with it just in terms of, you know, investment menus, some reports for your annual review, certificate for your insurances, all that kind of thing.","start":105.615,"end":120.46,"sentiment":"neutral","sentiment_score":0.08934429539367557}],"sentiment":"neutral","sentiment_score":0.10882637600918285,"num_words":61,"start":91.6,"end":120.46},{"sentences":[{"text":"Yeah.","start":123.24,"end":123.56,"sentiment":"neutral","sentiment_score":0.2662814259529114},{"text":"So I'll quickly walk you through what's there, and then let me know if you're comfortable with it.","start":123.56,"end":127.575,"sentiment":"neutral","sentiment_score":0.3250442503227128},{"text":"So because I'm kind of taking over the advice while Carl's not here, I just wanted to let you know what he was going through.","start":127.895,"end":134.635,"sentiment":"neutral","sentiment_score":0.1509897631406784},{"text":"If you remember, mate, there was a bit of a review on the investments inside your super because one of the investments was kinda dragging its feet.","start":134.855,"end":141.815,"sentiment":"neutral","sentiment_score":-0.17788668921976178},{"text":"Does that ring a bell?","start":141.815,"end":142.77,"sentiment":"neutral","sentiment_score":-0.1163296177983284}],"sentiment":"neutral","sentiment_score":0.059305701478335415,"num_words":76,"start":123.24,"end":142.77},{"sentences":[{"text":"Yep.","start":143.81,"end":144.31,"sentiment":"neutral","sentiment_score":0.06312856078147888},{"text":"Outside of that, he did just put the usual flags in there for estate planning.","start":144.77,"end":149.49,"sentiment":"neutral","sentiment_score":0.053503124664227165},{"text":"Just say, hey.","start":149.49,"end":150.05,"sentiment":"neutral","sentiment_score":0.13453938563664755},{"text":"Look.","start":150.05,"end":150.29001,"sentiment":"neutral","sentiment_score":0.12594014406204224},{"text":"Make sure you've got your will and your power of attorney and everything up to date.","start":150.29001,"end":153.51001,"sentiment":"neutral","sentiment_score":0.10749814147129655}],"sentiment":"neutral","sentiment_score":0.08653344431271155,"num_words":36,"start":143.81,"end":153.51001},{"sentences":[{"text":"And we're not giving advice on insurances because you said they were pretty comfortable at the time.","start":154.77,"end":160.075,"sentiment":"neutral","sentiment_score":-0.20832001943798625},{"text":"You guys had a bit of a review, looked pretty good, and so we're just factoring in the impact of the premiums.","start":160.615,"end":166.155,"sentiment":"neutral","sentiment_score":0.0418144589798017},{"text":"Outside of that, there was some debt and cash flow goals just obviously focused on the business, pay down the mortgage, possibly upgrade your truck and machinery as your main focus for your cash flow.","start":168.06999,"end":179.75,"sentiment":"neutral","sentiment_score":0.05371665454336575},{"text":"Is that right?","start":179.75,"end":180.465,"sentiment":"neutral","sentiment_score":0.07367099821567535},{"text":"Beautiful.","start":182.305,"end":182.805,"sentiment":"positive","sentiment_score":0.5397826433181763}],"sentiment":"neutral","sentiment_score":0.00024815787298557087,"num_words":78,"start":154.77,"end":182.805},{"sentences":[{"text":"Mate, outside of that, we're not giving investment advice right now because you've got some cash flow priorities.","start":183.265,"end":187.685,"sentiment":"neutral","sentiment_score":-0.11806374788284302},{"text":"But, basically, we've got the info noted down for, like, your income and occupation as a self employed doing earthmoving, and you've got the investment property, truck, machinery, your main residence, savings as your assets, and everything.","start":188.065,"end":204.09999,"sentiment":"neutral","sentiment_score":0.08104573235519834},{"text":"Yep.","start":206.89499,"end":207.39499,"sentiment":"neutral","sentiment_score":0.0811876580119133},{"text":"Main thing is your high growth portfolio.","start":209.69499,"end":212.75499,"sentiment":"neutral","sentiment_score":0.21996622213295527},{"text":"So we're not changing your risk level.","start":213.61499,"end":215.055,"sentiment":"neutral","sentiment_score":0.09704775043896266}],"sentiment":"neutral","sentiment_score":0.0453404300180929,"num_words":70,"start":183.265,"end":215.055},{"sentences":[{"text":"We're still keeping your high growth, trying to get you the high returns until you're closer to retirement.","start":215.055,"end":219.31499,"sentiment":"neutral","sentiment_score":0.3040221416287952},{"text":"Main thing is I've switched out some of the investments there.","start":219.88,"end":223.9,"sentiment":"neutral","sentiment_score":0.11847200989723206},{"text":"So with that Benelon that was dragging its feet, I've put you in a low fee ETF called BetaShares Australia two hundred.","start":223.96,"end":233.055,"sentiment":"neutral","sentiment_score":0.21525582332502713},{"text":"So it basically just reduces your investment fees, much better returns over one, three, five, and ten years, and just a bit of a rebalance because what happens is some of your, like, your shares and your properties and your gold, they go up and down, and we're just bringing them back to the middle again because, obviously, markets move and your different assets grow and drop and all that kind of thing.","start":233.215,"end":255.49,"sentiment":"neutral","sentiment_score":0.03543935006816093},{"text":"So we're just rebalancing everything to a clean figures and just replacing that one option.","start":255.49,"end":261.03,"sentiment":"neutral","sentiment_score":0.18980097621679307}],"sentiment":"neutral","sentiment_score":0.12190867604004393,"num_words":139,"start":215.055,"end":261.03},{"sentences":[{"text":"K.","start":264.415,"end":264.73502,"sentiment":"neutral","sentiment_score":0.19719210267066956},{"text":"So keeps you at 92% growth assets.","start":264.73502,"end":267.39502,"sentiment":"positive","sentiment_score":0.38777795859745573},{"text":"Your investment fees based on your current balance go down about $400, so it halves your investment cost.","start":267.535,"end":273.15,"sentiment":"positive","sentiment_score":0.3563000899222162},{"text":"And the returns go back to double digits where they should be.","start":273.94998,"end":277.94998,"sentiment":"positive","sentiment_score":0.4373435328404109},{"text":"So instead of that eight to 10%, we're talking more 13 to 18% because your benchmark is 10% or above.","start":277.94998,"end":285.25,"sentiment":"neutral","sentiment_score":0.1333260338753462}],"sentiment":"neutral","sentiment_score":0.297235905224907,"num_words":58,"start":264.415,"end":285.25},{"sentences":[{"text":"K?","start":286.865,"end":287.365,"sentiment":"neutral","sentiment_score":0.03040018305182457},{"text":"I haven't put any contributions in right now just because, obviously, being self employed, that's probably something to come back to when you do have the cash flow or if you start, you know, drawing wages or paying yourself super.","start":287.505,"end":298.95,"sentiment":"neutral","sentiment_score":-0.07367337802425027},{"text":"So I've just done projections based on the super growing by itself.","start":298.95,"end":302.65002,"sentiment":"neutral","sentiment_score":0.038992352706069745},{"text":"So what I've basically got there, it's estimated over five to ten years, that'll bump things up about 40 to $100.","start":305.75,"end":312.57,"sentiment":"neutral","sentiment_score":0.1704573074267024},{"text":"That would be a lot more of contributions were coming in, but I'm just going nice and conservative for now.","start":312.805,"end":317.94498,"sentiment":"neutral","sentiment_score":0.19581266678869724}],"sentiment":"neutral","sentiment_score":0.05369393708818453,"num_words":94,"start":286.865,"end":317.94498},{"sentences":[{"text":"Yep.","start":319.44498,"end":319.94498,"sentiment":"neutral","sentiment_score":0.05393940210342407},{"text":"Well, it depends on your commerce like, in the financial year now, do you normally talk to your accountant about the super when you go to do your tax return and everything?","start":322.00497,"end":339.1,"sentiment":"neutral","sentiment_score":-0.08919035852886736},{"text":"Yeah.","start":339.1,"end":339.34,"sentiment":"neutral","sentiment_score":-0.07008881866931915},{"text":"And it's, what, last day of the financial year, and then all of a sudden, we've got tax returns.","start":339.34,"end":343.54498,"sentiment":"neutral","sentiment_score":-0.0948206550980869},{"text":"So you got a bit more time being self employed.","start":343.54498,"end":345.735,"sentiment":"neutral","sentiment_score":-0.06110027544200421}],"sentiment":"neutral","sentiment_score":-0.08385454112338642,"num_words":63,"start":319.44498,"end":345.735},{"sentences":[{"text":"Yeah.","start":356.28,"end":356.6,"sentiment":"neutral","sentiment_score":-0.11171096563339232},{"text":"And that's one of the things that I'm not gonna recommend you chuck $30 into your super if you've got you know, you don't know whether your taxes are coming out good or not or if you owe money to the government.","start":356.6,"end":365.0,"sentiment":"neutral","sentiment_score":-0.2581913159894092},{"text":"So, you know, once things are stable, that's something to come back to.","start":365.0,"end":368.745,"sentiment":"neutral","sentiment_score":0.03095911142344658},{"text":"Just a bit of info for you.","start":370.505,"end":371.705,"sentiment":"neutral","sentiment_score":0.17545056768826076},{"text":"So just so you know in the back of your mind how it works.","start":371.705,"end":374.04498,"sentiment":"neutral","sentiment_score":0.14117289174880301}],"sentiment":"neutral","sentiment_score":-0.09543770558938577,"num_words":77,"start":356.28,"end":374.04498},{"sentences":[{"text":"Normally, when people go self employed, first three to five years is just, I guess, building the cash flow up and dealing with things like your GST, your BAS statements, your taxes.","start":374.505,"end":385.1,"sentiment":"neutral","sentiment_score":0.05552527110558003},{"text":"And then once things get comfortable, two ways of doing super.","start":386.36002,"end":389.66,"sentiment":"neutral","sentiment_score":0.1096777238629081},{"text":"Either people end up at the end of the financial year with heaps of money left over, and they go, alright.","start":389.96,"end":394.28,"sentiment":"neutral","sentiment_score":-0.07941649463914689},{"text":"I'm gonna chuck $20 into super because I don't wanna get huge tax bill.","start":394.28,"end":398.085,"sentiment":"neutral","sentiment_score":-0.21506462512271746},{"text":"Or, yep, there's that.","start":398.085,"end":402.505,"sentiment":"neutral","sentiment_score":-0.09350407682359219}],"sentiment":"neutral","sentiment_score":-0.02523663181175546,"num_words":82,"start":374.505,"end":402.505},{"sentences":[{"text":"Or if you get to a point where you've got, like, a company and you start paying yourself a regular wage or a salary, then you just pay yourself the 12% on that just like if you're an employee.","start":402.565,"end":413.02002,"sentiment":"neutral","sentiment_score":-0.014237587578976765},{"text":"So there's a couple different ways to do it, and we have a lot of self employed clients who do, like, a a BPAY contribution in once a year or, you know, $50 a week, and then we help them do the forms to claim it as a tax deduction.","start":413.08002,"end":426.54,"sentiment":"neutral","sentiment_score":0.13255591407418252},{"text":"So whenever you need that help, that's something that we're gonna, like, touch base with you on, but we're available at any point to help you with.","start":426.845,"end":434.14502,"sentiment":"neutral","sentiment_score":0.15836080494854185},{"text":"Makes sense?","start":435.96503,"end":436.785,"sentiment":"neutral","sentiment_score":0.09534300118684769},{"text":"Yeah.","start":440.13998,"end":440.46,"sentiment":"neutral","sentiment_score":0.08565397560596466}],"sentiment":"neutral","sentiment_score":0.08928244957747329,"num_words":119,"start":402.565,"end":440.46},{"sentences":[{"text":"And it's one of those things where you don't wanna get to 58 and have forgotten about it because then it's it hasn't been moving, and then it's a bit hard to catch it up.","start":440.46,"end":449.44,"sentiment":"neutral","sentiment_score":-0.09975977884605527},{"text":"But, look, at this point, we do a little bit of an engine stream up on the super portfolio that gets it growing a bit quicker.","start":452.795,"end":458.33502,"sentiment":"neutral","sentiment_score":0.22116496729163024},{"text":"And then I can just put some flags on the account that when we talk to you next, we'll just follow-up on it and see how you went with your accountant.","start":458.39502,"end":465.21503,"sentiment":"neutral","sentiment_score":0.20760262973846927},{"text":"And we can just you know, it may not be this year or next financial year, but over the next couple of years, we might just start something small off with you.","start":465.81,"end":474.37,"sentiment":"neutral","sentiment_score":0.02390542207285762},{"text":"Whatever kind of.","start":474.37,"end":475.59,"sentiment":"neutral","sentiment_score":-0.03149810805916786}],"sentiment":"neutral","sentiment_score":0.07373903617336172,"num_words":127,"start":440.46,"end":475.59},{"sentences":[{"text":"Yeah.","start":478.865,"end":479.365,"sentiment":"neutral","sentiment_score":-0.046319376677274704},{"text":"Even I know some people do that $50 a week or something just so it's it's going.","start":479.505,"end":483.60498,"sentiment":"neutral","sentiment_score":-0.07625856316264938},{"text":"Depends.","start":485.185,"end":485.685,"sentiment":"neutral","sentiment_score":-0.12704838812351227},{"text":"So have a think about it.","start":492.08002,"end":493.2,"sentiment":"neutral","sentiment_score":-0.16733990733822188},{"text":"Talk to the partner.","start":493.2,"end":493.92,"sentiment":"neutral","sentiment_score":-0.008312457241117954}],"sentiment":"neutral","sentiment_score":-0.08645009005378032,"num_words":29,"start":478.865,"end":493.92},{"sentences":[{"text":"Talk to your accountant.","start":493.92,"end":494.98,"sentiment":"neutral","sentiment_score":0.050741709768772125},{"text":"And if you want any further info, just call up our 1300 number and book in with me or the team, and we'll kind of walk you through a few options again.","start":495.28,"end":503.14,"sentiment":"neutral","sentiment_score":0.0884516347432509},{"text":"Cool.","start":503.175,"end":503.675,"sentiment":"positive","sentiment_score":0.35716336965560913},{"text":"One thing I wanted to check with you is just in terms of the beneficiary nominations, there was possibly a note there to update those.","start":505.175,"end":512.875,"sentiment":"neutral","sentiment_score":0.1078916546702385},{"text":"And all I've done in the advice document is saying, hey.","start":513.495,"end":516.535,"sentiment":"neutral","sentiment_score":0.0982211868871342}],"sentiment":"neutral","sentiment_score":0.09819598552094747,"num_words":73,"start":493.92,"end":516.535},{"sentences":[{"text":"Look.","start":516.535,"end":516.695,"sentiment":"neutral","sentiment_score":0.09869298338890076},{"text":"Let's just make sure that your super and your life insurance are all up to date because you had the three kids listed equally as beneficiaries, but you were talking about maybe splitting it between the partner and the kids or something like that.","start":516.695,"end":531.495,"sentiment":"neutral","sentiment_score":0.06734714809466492},{"text":"Would it be easier if would it be easier if I I sent you the forms and you just had a bit of time to think about it?","start":545.51,"end":552.09,"sentiment":"neutral","sentiment_score":0.10177294457597393},{"text":"Yep.","start":554.07,"end":554.57,"sentiment":"neutral","sentiment_score":0.12438887357711792},{"text":"I guess one of the things to say, when it comes to the kids, are they all 18?","start":556.345,"end":560.445,"sentiment":"neutral","sentiment_score":0.06157608495818244}],"sentiment":"neutral","sentiment_score":0.07765617772288945,"num_words":92,"start":516.535,"end":560.445},{"sentences":[{"text":"Yeah.","start":561.785,"end":562.265,"sentiment":"positive","sentiment_score":0.4653787612915039},{"text":"Cool.","start":562.265,"end":562.765,"sentiment":"positive","sentiment_score":0.6180146932601929},{"text":"So the easiest way to think is, like, let's say everything goes to the partner as as one option, and then, obviously, she can look after everything from there.","start":562.825,"end":570.94,"sentiment":"neutral","sentiment_score":0.27015056281254207},{"text":"If you distribute it out to kids, if they're 18, whoever their guardian is, whether it's your partner or somebody else if you both pass away, they're the people who control their their money until the right team.","start":571.24,"end":583.72003,"sentiment":"neutral","sentiment_score":0.0789806081080123},{"text":"Right?","start":583.72003,"end":584.175,"sentiment":"neutral","sentiment_score":0.07683630287647247}],"sentiment":"neutral","sentiment_score":0.1713694169585194,"num_words":70,"start":561.785,"end":584.175},{"sentences":[{"text":"So something to look at down the line is things like you can do a testamentary trust will where you put in place a will and you pass away and it opens up a trust fund and you can be a bit more specific with how the money goes to the kids.","start":585.535,"end":597.875,"sentiment":"neutral","sentiment_score":0.12103642652241084},{"text":"But when you're thinking your beneficiaries for the super and the life insurance, you're basically split between, okay, do I just nominate my partner, or do I go, okay, you know, bit for the partner, bit for the kids?","start":598.04004,"end":608.22003,"sentiment":"neutral","sentiment_score":0.08060217438600002},{"text":"And just as long as you know that who's gonna look after the money for them.","start":608.28,"end":612.315,"sentiment":"neutral","sentiment_score":0.09475388145074248},{"text":"Yep.","start":620.21497,"end":620.69495,"sentiment":"neutral","sentiment_score":0.11124691367149352},{"text":"And you've got a couple of options when the forms come.","start":620.69495,"end":624.39,"sentiment":"neutral","sentiment_score":0.09543815932490608}],"sentiment":"neutral","sentiment_score":0.10180258613173701,"num_words":119,"start":585.535,"end":624.39},{"sentences":[{"text":"Some of them a bit silly, but you can choose whether you want beneficiary nominations to expire every three years or if it's just continuous until you change it.","start":624.47003,"end":634.33,"sentiment":"neutral","sentiment_score":0.05160848488067758},{"text":"Any preference there?","start":636.885,"end":638.265,"sentiment":"neutral","sentiment_score":0.024582500879963238},{"text":"Yeah.","start":647.36505,"end":647.68506,"sentiment":"neutral","sentiment_score":0.008934848010540009},{"text":"You you can expire every three years, which kind of forces you to look at it, or you can just have it continuous until you change it, and then it's kind of locked in unless you decide to change it.","start":647.68506,"end":656.39996,"sentiment":"neutral","sentiment_score":-0.019838779466226697},{"text":"Yeah.","start":659.5,"end":659.74,"sentiment":"neutral","sentiment_score":0.05455613136291504}],"sentiment":"neutral","sentiment_score":0.011355856282485498,"num_words":74,"start":624.47003,"end":659.74},{"sentences":[{"text":"Yeah.","start":659.74,"end":659.98,"sentiment":"neutral","sentiment_score":0.08882473409175873},{"text":"That's fine.","start":659.98,"end":660.72,"sentiment":"neutral","sentiment_score":0.15936805307865143},{"text":"It's a good reminder.","start":661.26,"end":662.24,"sentiment":"neutral","sentiment_score":0.13158099818974733},{"text":"Yep.","start":662.3,"end":662.8,"sentiment":"neutral","sentiment_score":0.09426544606685638},{"text":"And then this one's a little bit of a strange question, but you can choose for it to be legally binding or nonbinding, which basically means legally binding the super fund or the insurer has to do it.","start":664.315,"end":675.3,"sentiment":"neutral","sentiment_score":0.009043387541743485}],"sentiment":"neutral","sentiment_score":0.02982171751437304,"num_words":46,"start":659.74,"end":675.3},{"sentences":[{"text":"And if it's nonbinding, it means the super fund has a bit of discretion on where the money goes.","start":675.3,"end":679.8,"sentiment":"neutral","sentiment_score":0.03936152640534075},{"text":"So I've got a bit of a flag here where I'm gonna send through the forms with a bit of a cover letter with some instructions on how to do it.","start":687.795,"end":695.235,"sentiment":"neutral","sentiment_score":0.0956832867476248},{"text":"And it's basically you tick the box for that binding lapsing.","start":695.235,"end":700.375,"sentiment":"neutral","sentiment_score":0.07777820256623355},{"text":"So it's legally binding, and it doesn't expire.","start":700.515,"end":702.855,"sentiment":"neutral","sentiment_score":0.09448823519051075},{"text":"And then you just put in who you wanna nominate and the percentage, and you're just gonna get two people to witness it who are not your beneficiary.","start":703.38,"end":710.28,"sentiment":"neutral","sentiment_score":0.07321040079529796}],"sentiment":"neutral","sentiment_score":0.07603513631854475,"num_words":97,"start":675.3,"end":710.28},{"sentences":[{"text":"Cool.","start":713.14,"end":713.54004,"sentiment":"neutral","sentiment_score":0.31037580966949463},{"text":"But any trouble at all, mate, just call the the team up, and they can walk you through it in about two minutes flat.","start":713.54004,"end":718.36,"sentiment":"neutral","sentiment_score":0.11930833291262388},{"text":"Cool.","start":721.005,"end":721.40497,"sentiment":"neutral","sentiment_score":0.31001365184783936},{"text":"So as a bit of a reminder, what we're basically doing, fix up the super portfolio a little bit, and we'll send you out the beneficiary forms.","start":721.40497,"end":729.425,"sentiment":"neutral","sentiment_score":0.15702587752430527},{"text":"And then it's just basically keep an eye on things, revisit the contributions later, see how you're going with the business and properties, and come back to, you know, insurance changes and things after that, maybe investment down the line.","start":730.205,"end":742.83,"sentiment":"neutral","sentiment_score":0.08966862177476287}],"sentiment":"neutral","sentiment_score":0.12161540876953833,"num_words":93,"start":713.14,"end":742.83},{"sentences":[{"text":"Does that all sound okay for you?","start":750.66504,"end":752.445,"sentiment":"neutral","sentiment_score":0.2195520337138857},{"text":"Any questions on that?","start":756.10504,"end":757.065,"sentiment":"neutral","sentiment_score":-0.04638912156224251},{"text":"I know I've just kind of throwing a bit of info at you, but does it make sense?","start":757.065,"end":761.21,"sentiment":"neutral","sentiment_score":-0.061478624016874366},{"text":"Beauty.","start":763.19,"end":763.69,"sentiment":"neutral","sentiment_score":0.17719125747680664},{"text":"One of the things I've gotta let you know too in terms of disadvantages is whenever we change investments inside your super, we just factor in things like if there's any capital gains tax under the hood or fees for changing investments because we've got control over what we buy and sell.","start":764.87,"end":780.89496,"sentiment":"neutral","sentiment_score":-0.12984867909779915}],"sentiment":"neutral","sentiment_score":-0.07719814070932023,"num_words":82,"start":750.66504,"end":780.89496},{"sentences":[{"text":"So when I show you the those projections in the document, that factors all of the fees and taxes and things into it from all the advice put together.","start":781.035,"end":790.38,"sentiment":"neutral","sentiment_score":-0.06288708001375198},{"text":"Cool.","start":792.6,"end":792.83997,"sentiment":"neutral","sentiment_score":0.31846868991851807},{"text":"Because it's things like, you know, brokerage.","start":792.83997,"end":794.27997,"sentiment":"neutral","sentiment_score":0.26094298916203634},{"text":"Like, if I tell you to buy this investment instead of that one, well, the supercharges that 0.11% because it's an ETF and they've gotta buy it, and then it's super low fees after that.","start":794.27997,"end":805.195,"sentiment":"neutral","sentiment_score":0.27480649799108503},{"text":"Alright?","start":807.495,"end":807.895,"sentiment":"neutral","sentiment_score":0.08872722089290619}],"sentiment":"neutral","sentiment_score":0.1373739581402034,"num_words":73,"start":781.035,"end":807.895},{"sentences":[{"text":"So I'll leave that there with you.","start":807.895,"end":809.495,"sentiment":"neutral","sentiment_score":0.12785546694483077},{"text":"Basically, if you're happy to sign off on that, we can do the investment switch and send you out that pack.","start":809.495,"end":814.795,"sentiment":"neutral","sentiment_score":0.27820704806418645},{"text":"I'm just gonna quickly double check.","start":816.14,"end":818.16003,"sentiment":"neutral","sentiment_score":0.13996282716592154},{"text":"So your certificate's there for the insurances.","start":818.3,"end":820.72003,"sentiment":"neutral","sentiment_score":0.031154463067650795},{"text":"Oh, did you just do it?","start":820.86,"end":822.08,"sentiment":"neutral","sentiment_score":0.04195989885677894}],"sentiment":"neutral","sentiment_score":0.17121178458662742,"num_words":47,"start":807.895,"end":822.08},{"sentences":[{"text":"Yeah.","start":826.14,"end":826.3,"sentiment":"neutral","sentiment_score":0.0529075562953949},{"text":"Yep.","start":826.3,"end":826.62,"sentiment":"neutral","sentiment_score":0.04794327914714813},{"text":"Let me have a quick look.","start":826.62,"end":827.82,"sentiment":"neutral","sentiment_score":0.02806799424191316},{"text":"Yeah.","start":827.82,"end":828.06,"sentiment":"neutral","sentiment_score":0.05713008716702461},{"text":"I'll see if that's popped through just yet.","start":828.06,"end":829.965,"sentiment":"neutral","sentiment_score":0.07361398730427027}],"sentiment":"neutral","sentiment_score":0.05384122273501228,"num_words":17,"start":826.14,"end":829.965},{"sentences":[{"text":"So when you go through the the buttons, there's little purple buttons, and it should pull you down there to stamp your signature and everything.","start":830.205,"end":837.16504,"sentiment":"neutral","sentiment_score":0.07921753495931626},{"text":"And then at the very bottom, once you skip through all the documents, because there's a a bunch of other documents underneath it, the financial services guide and so on.","start":837.16504,"end":847.62006,"sentiment":"neutral","sentiment_score":0.04103256290157636},{"text":"Once you skip to the last one, it'll ask you to validate it.","start":847.76,"end":850.98004,"sentiment":"neutral","sentiment_score":0.047566101814691834},{"text":"Yeah.","start":855.28,"end":855.60004,"sentiment":"neutral","sentiment_score":-0.04887977987527847},{"text":"So once it's signed, you basically just gonna keep hitting purple buttons Just skip past all the documents, make sure you know what you're signing.","start":855.60004,"end":862.825,"sentiment":"neutral","sentiment_score":-0.008777492973022162}],"sentiment":"neutral","sentiment_score":0.03788784553638679,"num_words":94,"start":830.205,"end":862.825},{"sentences":[{"text":"Beautiful.","start":867.84503,"end":868.34503,"sentiment":"positive","sentiment_score":0.44882285594940186},{"text":"Which that also includes, like, service agreement with us just to make sure we're still listed as your advisers.","start":874.9,"end":880.44,"sentiment":"neutral","sentiment_score":0.08081821371850215},{"text":"Again, same sort of 1.65% on the fees and all that kind of thing coming through the super.","start":881.54004,"end":887.285,"sentiment":"neutral","sentiment_score":0.03038158609221379},{"text":"You're on the the partner discount, 1.1 instead of 1.65.","start":887.745,"end":893.345,"sentiment":"neutral","sentiment_score":0.02761666513979435},{"text":"So we can't change anything, obviously, unless we've got your consent with Netwealth.","start":893.345,"end":898.565,"sentiment":"neutral","sentiment_score":-0.04749783629981371}],"sentiment":"neutral","sentiment_score":0.035900528619035345,"num_words":61,"start":867.84503,"end":898.565},{"sentences":[{"text":"And one of the first documents you saw was that big blue statement with Netwealth.","start":911.805,"end":916.14496,"sentiment":"neutral","sentiment_score":-0.14012564470370611},{"text":"That one basically shows, like, why we're doing what we're doing is that it's had a just under 11% return after fees, which is fantastic, but there's that one option that's in there as a negative.","start":916.685,"end":927.75995,"sentiment":"neutral","sentiment_score":-0.22640344676458174},{"text":"And I think you're sitting at about a 151,000 at the moment, and you're sitting at a 136 last year.","start":928.3,"end":939.015,"sentiment":"neutral","sentiment_score":-0.21189552508294582},{"text":"Alright.","start":948.135,"end":948.455,"sentiment":"neutral","sentiment_score":0.050032876431941986},{"text":"I'll have a little refresh and have a quick look.","start":948.455,"end":951.275,"sentiment":"neutral","sentiment_score":0.04599761236459017}],"sentiment":"neutral","sentiment_score":-0.17049158848367812,"num_words":82,"start":911.805,"end":951.275},{"sentences":[{"text":"It hasn't come through just yet, but usually when you get to the bottom, that last purple button that goes validate, it sometimes spins for about a minute or so, especially if the Internet's slow, and then it asks you to save a copy.","start":951.36,"end":964.57996,"sentiment":"neutral","sentiment_score":-0.07773048934442076},{"text":"Yeah.","start":968.615,"end":969.115,"sentiment":"neutral","sentiment_score":0.018632490187883377},{"text":"Look.","start":969.415,"end":969.655,"sentiment":"neutral","sentiment_score":0.02977656200528145},{"text":"I might I might sort of leave it with you in case your reception cuts out or anything, but maybe just see if it loads.","start":969.655,"end":977.495,"sentiment":"neutral","sentiment_score":0.023019285909831523},{"text":"And if not, maybe when you get back home, just have a quick look for me.","start":977.495,"end":980.67,"sentiment":"neutral","sentiment_score":0.03454702813178301}],"sentiment":"neutral","sentiment_score":-0.025787331966747498,"num_words":87,"start":951.36,"end":980.67},{"sentences":[{"text":"Yeah.","start":982.91,"end":983.23,"sentiment":"neutral","sentiment_score":0.08886975049972534},{"text":"Look.","start":983.23,"end":983.47,"sentiment":"neutral","sentiment_score":0.09694492071866988},{"text":"No rush.","start":983.47,"end":983.95,"sentiment":"neutral","sentiment_score":0.05673147551715374},{"text":"Like, we're not gonna try and submit everything this afternoon.","start":983.95,"end":986.26996,"sentiment":"neutral","sentiment_score":0.011471932503627612},{"text":"Just have a look when you get home.","start":986.26996,"end":987.97,"sentiment":"neutral","sentiment_score":0.04653759580105543}],"sentiment":"neutral","sentiment_score":0.03574080516806465,"num_words":22,"start":982.91,"end":987.97},{"sentences":[{"text":"And, yeah, that way it's easier to read the documents too rather than on the phone.","start":988.02997,"end":996.635,"sentiment":"neutral","sentiment_score":0.09945132746361196},{"text":"Cool.","start":999.33496,"end":999.83496,"sentiment":"positive","sentiment_score":0.4607998728752136},{"text":"Look.","start":1000.295,"end":1000.535,"sentiment":"neutral","sentiment_score":0.30240923166275024},{"text":"Any questions you got, just give us a buzz or send a text or an email through before you sign it.","start":1000.535,"end":1005.415,"sentiment":"neutral","sentiment_score":0.21811875984782264},{"text":"And if it comes through, the team will pretty much just jump on Netwealth, submit everything, and start switching the investments around.","start":1005.415,"end":1012.84,"sentiment":"neutral","sentiment_score":0.19782007011500272}],"sentiment":"neutral","sentiment_score":0.1850322269391818,"num_words":61,"start":988.02997,"end":1012.84},{"sentences":[{"text":"Awesome, mate.","start":1015.54004,"end":1016.18,"sentiment":"positive","sentiment_score":0.48508982360363007},{"text":"No.","start":1016.18,"end":1016.42004,"sentiment":"neutral","sentiment_score":0.09168277680873872},{"text":"Sorry to catch you while you're out and about, but anything else I can do for you?","start":1016.42004,"end":1020.44,"sentiment":"neutral","sentiment_score":0.029182515928850454},{"text":"Yeah.","start":1025.3151,"end":1025.635,"sentiment":"neutral","sentiment_score":0.1360217034816742},{"text":"Cool.","start":1025.635,"end":1025.9551,"sentiment":"neutral","sentiment_score":0.20003768801689148}],"sentiment":"neutral","sentiment_score":0.08609202665022829,"num_words":22,"start":1015.54004,"end":1025.9551},{"sentences":[{"text":"And last question for me is just in terms of, like, catch up frequency.","start":1025.9551,"end":1029.895,"sentiment":"neutral","sentiment_score":0.09985619197998728},{"text":"We obviously pencil in the annual review and keep an eye on things.","start":1031.0751,"end":1035.27,"sentiment":"neutral","sentiment_score":0.13326707596962267},{"text":"But do you want me to put in for any quarterly or six monthly catch ups, or do you prefer just to wait for that twelve months?","start":1035.27,"end":1041.69,"sentiment":"neutral","sentiment_score":0.04176050783307464},{"text":"Yeah.","start":1043.83,"end":1044.15,"sentiment":"neutral","sentiment_score":0.09993517398834229},{"text":"Look.","start":1044.15,"end":1044.3099,"sentiment":"neutral","sentiment_score":0.07308413088321686}],"sentiment":"neutral","sentiment_score":0.07912520878016949,"num_words":56,"start":1025.9551,"end":1044.3099},{"sentences":[{"text":"If anything pops up in between, like, you go and talk to your accountant and you've got questions, like, you just call anytime, but we'll kind of reach out to you at the review mark unless something pops up in between.","start":1044.3099,"end":1055.375,"sentiment":"neutral","sentiment_score":0.0268394358728717},{"text":"Alrighty.","start":1057.675,"end":1058.175,"sentiment":"neutral","sentiment_score":0.11344454437494278},{"text":"Yeah.","start":1063.13,"end":1063.63,"sentiment":"neutral","sentiment_score":0.05651302635669708},{"text":"Yep.","start":1063.9299,"end":1064.4299,"sentiment":"neutral","sentiment_score":0.1070304736495018},{"text":"Yeah.","start":1069.0499,"end":1069.2899,"sentiment":"neutral","sentiment_score":0.09864524751901628}],"sentiment":"neutral","sentiment_score":0.032801114726397726,"num_words":45,"start":1044.3099,"end":1069.2899},{"sentences":[{"text":"Yeah.","start":1069.2899,"end":1069.7899,"sentiment":"neutral","sentiment_score":0.10670609772205351},{"text":"And easier for us is just if you do the the info email and the 1300 number, it kinda links into your client profile on that new system that we've got.","start":1071.945,"end":1080.6649,"sentiment":"neutral","sentiment_score":0.15639391709719935},{"text":"And that way, if I'm away or something, then at least someone can jump on to it for me.","start":1080.6649,"end":1085.325,"sentiment":"neutral","sentiment_score":0.026602213025877352},{"text":"Cool.","start":1087.26,"end":1087.76,"sentiment":"neutral","sentiment_score":0.25469428300857544},{"text":"Alright, mate.","start":1088.2999,"end":1088.7799,"sentiment":"neutral","sentiment_score":0.20261114090681076}],"sentiment":"neutral","sentiment_score":0.1133384470379463,"num_words":54,"start":1069.2899,"end":1088.7799},{"sentences":[{"text":"Well, I might leave you to it for the day.","start":1088.7799,"end":1092.5599,"sentiment":"neutral","sentiment_score":0.16755132228136063},{"text":"But like I said, with the beneficiaries for the the life insurance and the super, do you want those emailed out so you can print them, or do you just want us to post you out a pack with an envelope?","start":1092.62,"end":1102.865,"sentiment":"neutral","sentiment_score":0.025598316862270598},{"text":"Yep.","start":1106.605,"end":1107.105,"sentiment":"neutral","sentiment_score":0.0729491114616394},{"text":"Alright.","start":1108.525,"end":1109.025,"sentiment":"neutral","sentiment_score":0.10144060850143433},{"text":"So what'll happen is it'll have a cover letter on how to do it and a bit of a return envelope, and you just basically sign, get a witness, and flick it back to us, and we'll submit it all and chase it up.","start":1109.3251,"end":1119.3301,"sentiment":"neutral","sentiment_score":0.0843224571171132}],"sentiment":"neutral","sentiment_score":0.06814043347714181,"num_words":97,"start":1088.7799,"end":1119.3301},{"sentences":[{"text":"Beauty.","start":1121.87,"end":1122.37,"sentiment":"neutral","sentiment_score":0.250827819108963},{"text":"Alright, mate.","start":1122.43,"end":1123.25,"sentiment":"neutral","sentiment_score":0.3227916955947876},{"text":"Thank you so much for your time.","start":1123.55,"end":1124.8301,"sentiment":"positive","sentiment_score":0.5561252576964242},{"text":"I do appreciate it.","start":1124.8301,"end":1125.7101,"sentiment":"positive","sentiment_score":0.34904834628105164},{"text":"Just lunchtime and everything.","start":1125.7101,"end":1127.39,"sentiment":"neutral","sentiment_score":0.18683988973498344}],"sentiment":"positive","sentiment_score":0.38515783101320267,"num_words":18,"start":1121.87,"end":1127.39},{"sentences":[{"text":"But, look, it really helps us getting the extra info checked out and making sure you're comfortable before we change anything.","start":1127.39,"end":1135.195,"sentiment":"positive","sentiment_score":0.3675712506685938},{"text":"And then if we need to revisit it, at least we've got that time frame as well.","start":1135.195,"end":1139.455,"sentiment":"neutral","sentiment_score":0.1397575341603335},{"text":"Goody, Daniel.","start":1142.4099,"end":1143.2899,"sentiment":"positive","sentiment_score":0.4100707173347473},{"text":"Thank you so much for your time, mate, and I'll talk to you again soon.","start":1143.2899,"end":1146.57,"sentiment":"neutral","sentiment_score":0.18116732041041056},{"text":"But if I don't hear from you, just keep an eye out for that mail.","start":1146.57,"end":1149.825,"sentiment":"neutral","sentiment_score":-0.08757757917046546}],"sentiment":"neutral","sentiment_score":0.1759837414004973,"num_words":70,"start":1127.39,"end":1149.825},{"sentences":[{"text":"Awesome, mate.","start":1151.985,"end":1152.625,"sentiment":"positive","sentiment_score":0.7455179393291473},{"text":"Take it 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Good morning. How are you? Oh, don't say that. Yeah. I really can blame yourself. Yep. Yeah. Well, it's not raining, so I'm not too bad. Yeah. Yep. Thirteen to the fifth nineteen eighty one and 83 Mossman's Lane, Mildred. Yep. Oh, yeah. It's not I'm not yeah. I'll be alright. That's not a response. Yes. Internet's very slow. Extremely enough. Yep. So I've just got a saw on this door. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. I'm just you alright? Yep. Yep. Yep. Yep. No worries. Yeah. Right. Yeah. North. Yep. Yeah. It's fine. Yeah. Fair enough. That's probably something I should look into, really. Insane that we're only me wife and myself were talking about that the other day. We I haven't heard Bruce from me and which isn't really good. Well, that's yeah. That's right. Well, that's what I said to Bree. I said, I haven't heard anything from me. I wouldn't mind knowing if I'm up or down or anyway. Yeah. That's right. Yeah. Yeah. Definitely. Yep. Yep. Yep. Yes. That's the issue. Yep. Yep. Yep. Okay. Yep. Righto. Yeah. That's not yeah. It does. That's not a bad idea, really. And, like, I think I just yeah. Yeah. For sure. Yep. Yeah. I think that's probably the only guy, isn't it, really? Oh, good. Yeah. That's what I'm just thinking it out now. Actually, it's it's really short of it that way. Yep. Yep. Got it. Yep. Okay. Yeah. Yes. I didn't really think I was in one ear and out the other. Usually, just think about it and then forget about it. You know? But yeah. Well, could you sorry. Yeah. That'd be a good day. Yeah. Yep. Yep. Yeah. Yep. Yeah. Yep. Yep. Yep. Yeah. Yeah. Well, that would probably be yeah. Probably will just put it in Brianna's name, I'd say. Yep. Yeah. Okay. Well, not really. Probably what what did you say? Every three years. Yep. Yeah. Well, probably in three years maybe. Just to reevaluate and yeah. Yeah. Exactly. Yep. Yeah. Okay. Yep. Yep. Yeah. I tried to get a job. Yep. Yeah. No. It does. Yeah. It does. Yep. Yeah. Rory. Yep. I think I just I'm sorry. Yeah. I'm pretty pretty sure I've got most of well, what I had to can you tell on your end? Right. That might have been more. It kept flicking back on me. Yes. At least that one. What next happened? Yeah. Hi. What am I on? I'm on. Yep. Yep. Oh, it's good, isn't it? Yeah. I was I didn't look at that at the start. I think I've got got them all. Have I got them all or not? Yeah. Yeah. Yeah. I'm at the road away from town. So Yeah. Yeah. Yeah. It'll be better at home. Yeah. I'm not picking up on the computer too. It might be a bit easy to see. Yeah. That's right. It's Yeah. That's right. Yep. Yeah. Okay. No. That's alright. No. That that's all. I'll get to that this time when I get back to back home. Yeah. Twelve months is alright. Yeah. Yeah. Yep. Yeah. Right. Yeah. I think I got all of you guys when I was chasing what to do with the buddy investment house. Yeah. It's just yeah. It's pretty I've got Carl's mobile, I think. Yeah. Yep. Yeah. Okay. Yep. Yeah. Okay. Yeah. I've got that number saved too. Yep. No dramas. Yep. Yeah. Just send over the other stuff if you if you could. Yep. Yep. Right. Yeah. Seems like it's my end. No worries. Thank you. That's alright. Yep. Yes. Fair enough. No dramas. Alright. Yeah. Will do. Alright. Thanks a lot. Bye bye. 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Good morning. How are you? Oh, don't say that. Yeah.\n\nI really can blame yourself. Yep. Yeah. Well, it's not raining, so I'm not too bad. Yeah.\n\nYep. Thirteen to the fifth nineteen eighty one and 83 Mossman's Lane, Mildred. Yep. Oh, yeah. It's not I'm not yeah.\n\nI'll be alright. That's not a response. Yes. Internet's very slow. Extremely enough.\n\nYep. So I've just got a saw on this door. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yeah.\n\nI'm just you alright? Yep. Yep. Yep. Yep.\n\nNo worries. Yeah. Right. Yeah. North.\n\nYep. Yeah. It's fine. Yeah. Fair enough.\n\nThat's probably something I should look into, really. Insane that we're only me wife and myself were talking about that the other day. We I haven't heard Bruce from me and which isn't really good. Well, that's yeah. That's right.\n\nWell, that's what I said to Bree. I said, I haven't heard anything from me. I wouldn't mind knowing if I'm up or down or anyway. Yeah. That's right.\n\nYeah. Yeah. Definitely. Yep. Yep.\n\nYep. Yes. That's the issue. Yep. Yep.\n\nYep. Okay. Yep. Righto. Yeah.\n\nThat's not yeah. It does. That's not a bad idea, really. And, like, I think I just yeah. Yeah.\n\nFor sure. Yep. Yeah. I think that's probably the only guy, isn't it, really? Oh, good.\n\nYeah. That's what I'm just thinking it out now. Actually, it's it's really short of it that way. Yep. Yep.\n\nGot it. Yep. Okay. Yeah. Yes.\n\nI didn't really think I was in one ear and out the other. Usually, just think about it and then forget about it. You know? But yeah. Well, could you sorry.\n\nYeah. That'd be a good day. Yeah. Yep. Yep.\n\nYeah. Yep. Yeah. Yep. Yep.\n\nYep. Yeah. Yeah. Well, that would probably be yeah. Probably will just put it in Brianna's name, I'd say.\n\nYep. Yeah. Okay. Well, not really. Probably what what did you say?\n\nEvery three years. Yep. Yeah. Well, probably in three years maybe. Just to reevaluate and yeah.\n\nYeah. Exactly. Yep. Yeah. Okay.\n\nYep. Yep. Yeah. I tried to get a job. Yep.\n\nYeah. No. It does. Yeah. It does.\n\nYep. Yeah. Rory. Yep. I think I just I'm sorry.\n\nYeah. I'm pretty pretty sure I've got most of well, what I had to can you tell on your end? Right. That might have been more. It kept flicking back on me.\n\nYes. At least that one. What next happened? Yeah. Hi.\n\nWhat am I on? I'm on. Yep. Yep. Oh, it's good, isn't it?\n\nYeah. I was I didn't look at that at the start. I think I've got got them all. Have I got them all or not? Yeah.\n\nYeah. Yeah. I'm at the road away from town. So Yeah. Yeah.\n\nYeah. It'll be better at home. Yeah. I'm not picking up on the computer too. It might be a bit easy to see.\n\nYeah. That's right. It's Yeah. That's right. Yep.\n\nYeah. Okay. No. That's alright. No.\n\nThat that's all. I'll get to that this time when I get back to back home. Yeah. Twelve months is alright. Yeah.\n\nYeah. Yep. Yeah. Right. Yeah.\n\nI think I got all of you guys when I was chasing what to do with the buddy investment house. Yeah. It's just yeah. It's pretty I've got Carl's mobile, I think. Yeah.\n\nYep. Yeah. Okay. Yep. Yeah.\n\nOkay. Yeah. I've got that number saved too. Yep. No dramas.\n\nYep. Yeah. Just send over the other stuff if you if you could. Yep. Yep.\n\nRight. Yeah. Seems like it's my end. No worries. Thank you.\n\nThat's alright. Yep. Yes. Fair enough. No dramas.\n\nAlright. Yeah. Will do. Alright. Thanks a lot.\n\nBye bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.04,"end":1.54,"sentiment":"neutral","sentiment_score":0.0376700833439827},{"text":"Good morning.","start":5.92,"end":6.48,"sentiment":"neutral","sentiment_score":0.2843635827302933},{"text":"How are you?","start":6.48,"end":7.22,"sentiment":"neutral","sentiment_score":0.2344437688589096},{"text":"Oh, don't say that.","start":12.799999,"end":13.94,"sentiment":"neutral","sentiment_score":-0.03554774867370725},{"text":"Yeah.","start":14.485,"end":14.525,"sentiment":"neutral","sentiment_score":-0.041396334767341614}],"sentiment":"neutral","sentiment_score":0.10237647508355704,"num_words":11,"start":1.04,"end":14.525},{"sentences":[{"text":"I really can blame 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not yeah.","start":436.315,"end":437.195,"sentiment":"neutral","sentiment_score":0.14961913228034973},{"text":"It does.","start":437.195,"end":437.73,"sentiment":"neutral","sentiment_score":0.2466929703950882},{"text":"That's not a bad idea, really.","start":437.73,"end":439.59,"sentiment":"neutral","sentiment_score":0.1339412977298101},{"text":"And, like, I think I just yeah.","start":440.37003,"end":445.91,"sentiment":"neutral","sentiment_score":0.016195653804710934},{"text":"Yeah.","start":449.65002,"end":450.13,"sentiment":"neutral","sentiment_score":-0.0014364197850227356}],"sentiment":"neutral","sentiment_score":0.09778022530831788,"num_words":19,"start":436.315,"end":450.13},{"sentences":[{"text":"For 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say?","start":643.29,"end":645.93,"sentiment":"neutral","sentiment_score":-0.05416061791280905}],"sentiment":"neutral","sentiment_score":-0.027608873477826517,"num_words":12,"start":634.825,"end":645.93},{"sentences":[{"text":"Every three years.","start":645.93,"end":646.99,"sentiment":"neutral","sentiment_score":-0.03805944323539734},{"text":"Yep.","start":651.945,"end":652.445,"sentiment":"neutral","sentiment_score":0.0046929530799388885},{"text":"Yeah.","start":656.345,"end":656.845,"sentiment":"neutral","sentiment_score":0.009972741827368736},{"text":"Well, probably in three years maybe.","start":656.985,"end":659.005,"sentiment":"neutral","sentiment_score":-0.023809171902636688},{"text":"Just to reevaluate and yeah.","start":660.265,"end":662.285,"sentiment":"neutral","sentiment_score":0.07260211408138276}],"sentiment":"neutral","sentiment_score":0.007540181512013079,"num_words":16,"start":645.93,"end":662.285},{"sentences":[{"text":"Yeah.","start":662.665,"end":662.985,"sentiment":"neutral","sentiment_score":0.0927887037396431},{"text":"Exactly.","start":662.985,"end":663.485,"sentiment":"neutral","sentiment_score":0.11336971819400787},{"text":"Yep.","start":675.92004,"end":676.42004,"sentiment":"neutral","sentiment_score":0.07325153052806854},{"text":"Yeah.","start":680.675,"end":680.995,"sentiment":"neutral","sentiment_score":0.0677817091345787},{"text":"Okay.","start":680.995,"end":681.495,"sentiment":"neutral","sentiment_score":0.09177587926387788}],"sentiment":"neutral","sentiment_score":0.08779350817203521,"num_words":5,"start":662.665,"end":681.495},{"sentences":[{"text":"Yep.","start":682.515,"end":683.015,"sentiment":"neutral","sentiment_score":0.11823972314596176},{"text":"Yep.","start":710.535,"end":711.035,"sentiment":"neutral","sentiment_score":0.16788214445114136},{"text":"Yeah.","start":718.77496,"end":719.175,"sentiment":"neutral","sentiment_score":0.06145547330379486},{"text":"I tried to get a job.","start":719.175,"end":720.315,"sentiment":"neutral","sentiment_score":0.034111148988207184},{"text":"Yep.","start":745.59503,"end":746.09503,"sentiment":"neutral","sentiment_score":0.16730591654777527}],"sentiment":"neutral","sentiment_score":0.07195501513779164,"num_words":10,"start":682.515,"end":746.09503},{"sentences":[{"text":"Yeah.","start":752.53,"end":752.93,"sentiment":"neutral","sentiment_score":0.03104509226977825},{"text":"No.","start":752.93,"end":753.43,"sentiment":"neutral","sentiment_score":-0.021030964329838753},{"text":"It does.","start":753.81,"end":758.55,"sentiment":"neutral","sentiment_score":-0.0430496521294117},{"text":"Yeah.","start":761.49,"end":761.81,"sentiment":"neutral","sentiment_score":0.12007103115320206},{"text":"It does.","start":761.81,"end":762.47003,"sentiment":"neutral","sentiment_score":0.18449245393276215}],"sentiment":"neutral","sentiment_score":0.05899582324283464,"num_words":7,"start":752.53,"end":762.47003},{"sentences":[{"text":"Yep.","start":763.25,"end":763.75,"sentiment":"neutral","sentiment_score":0.07356202602386475},{"text":"Yeah.","start":790.74,"end":791.24,"sentiment":"neutral","sentiment_score":0.03557934612035751},{"text":"Rory.","start":791.3,"end":791.8,"sentiment":"neutral","sentiment_score":0.1340954303741455},{"text":"Yep.","start":805.635,"end":806.135,"sentiment":"neutral","sentiment_score":0.12921880185604095},{"text":"I think I just I'm sorry.","start":811.2,"end":820.34,"sentiment":"neutral","sentiment_score":0.06194103757540385}],"sentiment":"neutral","sentiment_score":0.07441018298268318,"num_words":10,"start":763.25,"end":820.34},{"sentences":[{"text":"Yeah.","start":822.08,"end":822.56,"sentiment":"neutral","sentiment_score":0.04953857883810997},{"text":"I'm pretty pretty sure I've got most of well, what I had to can you tell on your end?","start":822.56,"end":827.55505,"sentiment":"neutral","sentiment_score":0.05502385067704477},{"text":"Right.","start":852.15497,"end":852.39496,"sentiment":"neutral","sentiment_score":-0.003820359706878662},{"text":"That might have been more.","start":852.39496,"end":853.27496,"sentiment":"neutral","sentiment_score":-0.08089586198329926},{"text":"It kept flicking back on me.","start":853.27496,"end":854.89496,"sentiment":"neutral","sentiment_score":-0.28541336456934613}],"sentiment":"neutral","sentiment_score":-0.032055878604296595,"num_words":32,"start":822.08,"end":854.89496},{"sentences":[{"text":"Yes.","start":865.41,"end":865.81,"sentiment":"neutral","sentiment_score":0.06381797790527344},{"text":"At least that one.","start":865.81,"end":866.87,"sentiment":"neutral","sentiment_score":0.12481627985835075},{"text":"What next happened?","start":871.25,"end":872.39,"sentiment":"neutral","sentiment_score":0.1724362721045812},{"text":"Yeah.","start":898.89,"end":899.37,"sentiment":"neutral","sentiment_score":-0.0051162512972950935},{"text":"Hi.","start":899.37,"end":899.87,"sentiment":"neutral","sentiment_score":-0.01181931421160698}],"sentiment":"neutral","sentiment_score":0.1063456348143518,"num_words":10,"start":865.41,"end":899.87},{"sentences":[{"text":"What am I on?","start":901.52997,"end":902.25,"sentiment":"neutral","sentiment_score":-0.027553623542189598},{"text":"I'm on.","start":902.25,"end":902.985,"sentiment":"neutral","sentiment_score":-0.04147854447364807},{"text":"Yep.","start":916.745,"end":917.16,"sentiment":"neutral","sentiment_score":-0.14117109775543213},{"text":"Yep.","start":936.765,"end":937.265,"sentiment":"neutral","sentiment_score":-0.1273132860660553},{"text":"Oh, it's good, isn't it?","start":939.885,"end":940.765,"sentiment":"neutral","sentiment_score":0.2076818972826004}],"sentiment":"neutral","sentiment_score":0.04436565534426616,"num_words":13,"start":901.52997,"end":940.765},{"sentences":[{"text":"Yeah.","start":940.765,"end":941.005,"sentiment":"neutral","sentiment_score":-0.014942867681384088},{"text":"I was I didn't look at that at the start.","start":941.005,"end":943.34503,"sentiment":"neutral","sentiment_score":-0.09659359157085419},{"text":"I think I've got got them all.","start":945.25,"end":946.61,"sentiment":"neutral","sentiment_score":-0.04588019874479089},{"text":"Have I got them all or 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alright.","start":1018.63495,"end":1019.375,"sentiment":"neutral","sentiment_score":0.021106491331011057},{"text":"No.","start":1020.795,"end":1021.035,"sentiment":"neutral","sentiment_score":-0.03736212104558945}],"sentiment":"neutral","sentiment_score":0.06377955479547381,"num_words":6,"start":1013.32,"end":1021.035},{"sentences":[{"text":"That that's all.","start":1021.035,"end":1021.75494,"sentiment":"neutral","sentiment_score":-0.03650799083213011},{"text":"I'll get to that this time when I get back to back home.","start":1021.75494,"end":1024.895,"sentiment":"neutral","sentiment_score":0.011488168142162837},{"text":"Yeah.","start":1041.67,"end":1042.07,"sentiment":"neutral","sentiment_score":0.06996703147888184},{"text":"Twelve months is alright.","start":1042.07,"end":1043.29,"sentiment":"neutral","sentiment_score":0.08060940727591515},{"text":"Yeah.","start":1044.875,"end":1045.375,"sentiment":"neutral","sentiment_score":0.04455126449465752}],"sentiment":"neutral","sentiment_score":0.021671733564951202,"num_words":22,"start":1021.035,"end":1045.375},{"sentences":[{"text":"Yeah.","start":1046.315,"end":1046.815,"sentiment":"neutral","sentiment_score":0.030665481463074684},{"text":"Yep.","start":1050.235,"end":1050.735,"sentiment":"neutral","sentiment_score":0.03375305235385895},{"text":"Yeah.","start":1055.275,"end":1055.755,"sentiment":"neutral","sentiment_score":0.04839382320642471},{"text":"Right.","start":1055.755,"end":1056.255,"sentiment":"neutral","sentiment_score":0.052080217748880386},{"text":"Yeah.","start":1057.02,"end":1057.14,"sentiment":"neutral","sentiment_score":0.05488884449005127}],"sentiment":"neutral","sentiment_score":0.043956283852458,"num_words":5,"start":1046.315,"end":1057.14},{"sentences":[{"text":"I think I got all of you guys when I was chasing what to do with the buddy investment house.","start":1057.14,"end":1062.0801,"sentiment":"neutral","sentiment_score":0.054064946621656416},{"text":"Yeah.","start":1063.74,"end":1063.98,"sentiment":"neutral","sentiment_score":0.07674088329076767},{"text":"It's just yeah.","start":1063.98,"end":1064.62,"sentiment":"neutral","sentiment_score":0.11882496376832326},{"text":"It's pretty I've got Carl's mobile, I 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got that number saved too.","start":1088.29,"end":1090.0701,"sentiment":"neutral","sentiment_score":0.19844215859969458},{"text":"Yep.","start":1092.61,"end":1093.0901,"sentiment":"neutral","sentiment_score":0.07626919448375702},{"text":"No dramas.","start":1093.0901,"end":1093.75,"sentiment":"neutral","sentiment_score":-0.0008768439292907715}],"sentiment":"neutral","sentiment_score":0.14559015902605923,"num_words":11,"start":1086.025,"end":1093.75},{"sentences":[{"text":"Yep.","start":1097.5701,"end":1098.0701,"sentiment":"neutral","sentiment_score":0.028276920318603516},{"text":"Yeah.","start":1103.155,"end":1103.475,"sentiment":"neutral","sentiment_score":0.03685303777456283},{"text":"Just send over the other stuff if you if you could.","start":1103.475,"end":1105.975,"sentiment":"neutral","sentiment_score":0.032718551768497986},{"text":"Yep.","start":1113.155,"end":1113.655,"sentiment":"neutral","sentiment_score":0.08330818265676498},{"text":"Yep.","start":1117.66,"end":1118.16,"sentiment":"neutral","sentiment_score":0.05772095546126366}],"sentiment":"neutral","sentiment_score":0.03773754437764486,"num_words":15,"start":1097.5701,"end":1118.16},{"sentences":[{"text":"Right.","start":1119.5801,"end":1119.8201,"sentiment":"neutral","sentiment_score":0.0741170346736908},{"text":"Yeah.","start":1119.8201,"end":1120.14,"sentiment":"neutral","sentiment_score":0.09171029925346376},{"text":"Seems like it's my end.","start":1120.14,"end":1121.52,"sentiment":"neutral","sentiment_score":0.13641784489154815},{"text":"No worries.","start":1125.18,"end":1125.74,"sentiment":"neutral","sentiment_score":0.26472919434309006},{"text":"Thank you.","start":1125.74,"end":1126.48,"sentiment":"neutral","sentiment_score":0.27537859976291656}],"sentiment":"neutral","sentiment_score":0.17528474059971896,"num_words":11,"start":1119.5801,"end":1126.48},{"sentences":[{"text":"That's alright.","start":1128.06,"end":1128.88,"sentiment":"neutral","sentiment_score":0.3071684092283249},{"text":"Yep.","start":1135.5651,"end":1136.0651,"sentiment":"neutral","sentiment_score":0.13310468196868896},{"text":"Yes.","start":1139.645,"end":1139.965,"sentiment":"neutral","sentiment_score":0.1857959032058716},{"text":"Fair enough.","start":1139.965,"end":1140.705,"sentiment":"neutral","sentiment_score":0.2589263394474983},{"text":"No 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bye.","start":1155.37,"end":1156.11,"sentiment":"neutral","sentiment_score":0.2803071588277817},{"text":"Bye.","start":1156.33,"end":1156.83,"sentiment":"neutral","sentiment_score":-0.09957865625619888}],"sentiment":"neutral","sentiment_score":0.15367855379978815,"num_words":3,"start":1155.37,"end":1156.83}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good day, Daniel. Tommy here, senior adviser from. How are you doing?\n\nChannel 1: Good morning. How are you?\n\nChannel 0: Living the dream so far. It's been a fantastic day. All the clouds have come out. What about your end?\n\nChannel 1: Oh, don't say that. Yeah. I really can blame yourself.\n\nChannel 0: Can't complain, mate. I've just got you booked in to go through a quick catch up for some updated advice we're sending through to you,\n\nChannel 1: Yep.\n\nChannel 0: but team did let me know that you might be a little bit busy today.\n\nChannel 1: Yeah. Well, it's not raining, so I'm not too bad.\n\nChannel 0: Oh, perfect. Perfect. So\n\nChannel 1: Yeah.\n\nChannel 0: what I'm gonna do is I'm gonna shoot through this email to you in a sec. Do you mind if I just do the quick security check?\n\nChannel 1: Yep.\n\nChannel 0: Cool. So I'm registered with Asic as adviser one 273105. Could you please confirm your date of birth and address?\n\nChannel 1: Thirteen to the fifth nineteen eighty one and 83 Mossman's Lane, Mildred.\n\nChannel 0: Sensational. So I'm gonna pop this advice through to your BigPond address if you've got access to it. Were you gonna look into the documents with me today, or would you want me to just\n\nChannel 1: Yep.\n\nChannel 0: walk you through what's coming your way?\n\nChannel 1: Oh, yeah. It's not I'm not yeah. I'll be alright.\n\nChannel 0: Yep. Cool.\n\nChannel 1: That's not a response.\n\nChannel 0: So I'm popping this through. Email should come through pretty quickly. It is our new system, so it might go through to your spam box. But you should have an email come through from Oku Financial signature request for a statement of advice.\n\nChannel 1: Yes. Internet's very slow.\n\nChannel 0: No. That's no worries at all.\n\nChannel 1: Extremely enough.\n\nChannel 0: It's always the way. And just to sort of let you know what's coming through. So there's an updated advice document, but there's also the usual supporting documents that go with it just in terms of, you know, investment menus, some reports for your annual review, certificate for your insurances, all that kind of thing.\n\nChannel 1: Yep. So I've just got a saw on this door.\n\nChannel 0: Yeah. So I'll quickly walk you through what's there, and then let me know if you're comfortable with it. So because I'm kind of taking over the advice while Carl's not here, I just wanted to let you know what he was going through. If you remember, mate, there was a bit of a review on the investments inside your super because one of the investments was kinda dragging its feet. Does that ring a bell?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Outside of that, he did just put the usual flags in there for estate planning. Just say, hey. Look. Make sure you've got your will and your power of attorney and everything up to date.\n\nChannel 1: Yep.\n\nChannel 0: And we're not giving advice on insurances because you said they were pretty comfortable at the time. You guys had a bit of a review, looked pretty good, and so we're just factoring in the impact of the premiums. Outside of that, there was some debt and cash flow goals just obviously focused on the business, pay down the mortgage, possibly upgrade your truck and machinery as your main focus for your cash flow. Is that right?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Mate, outside of that, we're not giving investment advice right now because you've got some cash flow priorities. But, basically, we've got the info noted down for, like, your income and occupation as a\n\nChannel 1: Yep.\n\nChannel 0: self employed doing earthmoving, and you've got the investment property, truck, machinery, your main residence, savings as your assets, and everything.\n\nChannel 1: Yep. Yep. Yeah. I'm\n\nChannel 0: Yep.\n\nChannel 1: just you alright?\n\nChannel 0: Main thing is your high growth portfolio. So we're not changing your risk level. We're still keeping your high growth, trying to get you the high returns until you're closer to retirement. Main\n\nChannel 1: Yep.\n\nChannel 0: thing is I've switched out some of the investments there. So with that Benelon that was dragging its feet, I've put you in a low fee ETF called BetaShares Australia two hundred. So it basically just reduces your investment fees, much better returns over one, three, five, and ten years,\n\nChannel 1: Yep.\n\nChannel 0: and just a bit of a rebalance because what happens is some of your, like, your shares and your properties and your gold, they go up and down, and we're just bringing them back to the middle again because, obviously, markets move and your different assets grow and drop and all that kind of thing. So we're\n\nChannel 1: Yep.\n\nChannel 0: just rebalancing everything to a clean figures and just replacing that one option.\n\nChannel 1: Yep. No worries.\n\nChannel 0: K. So keeps you at 92% growth assets. Your investment fees based on your current balance go down about $400, so it halves your investment cost. And the returns go back to double digits where they should be. So instead\n\nChannel 1: Yeah.\n\nChannel 0: of\n\nChannel 1: Right.\n\nChannel 0: that eight to 10%, we're talking more 13 to 18% because\n\nChannel 1: Yeah.\n\nChannel 0: your benchmark\n\nChannel 1: North.\n\nChannel 0: is 10% or above.\n\nChannel 1: Yep.\n\nChannel 0: K? I haven't put any contributions in right now just because, obviously, being self employed, that's probably something to come back to when you do have the cash flow or if you start, you know, drawing wages or paying yourself super. So I've just done projections based on the super growing by itself.\n\nChannel 1: Yeah. It's fine.\n\nChannel 0: So what I've basically got there, it's estimated over five to ten years, that'll bump things up about 40 to $100. That would be a lot more of contributions were coming in, but I'm just going nice and conservative for now.\n\nChannel 1: Yeah. Fair enough. That's probably\n\nChannel 0: Yep.\n\nChannel 1: something I should look into, really.\n\nChannel 0: Well, it depends on your commerce like, in the financial year now, do you normally talk to your accountant about the super when you go to do your tax\n\nChannel 1: Insane that we're only me wife and myself were talking about that the other day. We I haven't heard Bruce from me and which isn't really good.\n\nChannel 0: return and everything? Yeah. And it's, what, last day of the financial year, and then all of a sudden, we've got tax returns. So you got a bit more time\n\nChannel 1: Well,\n\nChannel 0: being\n\nChannel 1: that's\n\nChannel 0: self employed.\n\nChannel 1: yeah. That's right. Well, that's what I said to Bree. I said, I haven't heard anything from me. I wouldn't mind knowing if I'm up or down or anyway.\n\nChannel 0: Yeah. And that's one of the things that I'm not gonna recommend you chuck $30 into your super if you've got you know, you don't know whether your taxes are coming out good or not or if you owe\n\nChannel 1: Yeah.\n\nChannel 0: money to the government. So,\n\nChannel 1: That's\n\nChannel 0: you know,\n\nChannel 1: right.\n\nChannel 0: once things\n\nChannel 1: Yeah.\n\nChannel 0: are stable, that's something to come back to.\n\nChannel 1: Yeah. Definitely.\n\nChannel 0: Just a bit of info for you. So just so you know in the back of your mind how it works. Normally, when people go self employed, first three to five years is just, I guess, building the cash flow up and dealing with things like your GST, your BAS statements, your taxes.\n\nChannel 1: Yep. Yep.\n\nChannel 0: And then once things get comfortable, two ways of doing super. Either people end up at the end of the financial year with heaps of money left over, and they go, alright. I'm gonna chuck $20 into super because I don't\n\nChannel 1: Yep.\n\nChannel 0: wanna get huge tax bill. Or,\n\nChannel 1: Yes. That's the issue.\n\nChannel 0: yep, there's that. Or if you get to a point where you've got, like, a company and you start paying yourself a regular wage or a salary, then you just pay yourself the 12% on that just like if\n\nChannel 1: Yep.\n\nChannel 0: you're an employee. So there's a couple different ways to do it, and we have a lot of self employed clients who do, like, a a BPAY contribution in once a year or, you know,\n\nChannel 1: Yep.\n\nChannel 0: $50 a week, and then we help them do the forms to claim it as a tax deduction. So whenever you need that help, that's something that we're gonna, like, touch base with you on, but\n\nChannel 1: Yep.\n\nChannel 0: we're available\n\nChannel 1: Okay.\n\nChannel 0: at any point to help you with.\n\nChannel 1: Yep. Righto.\n\nChannel 0: Makes\n\nChannel 1: Yeah.\n\nChannel 0: sense?\n\nChannel 1: That's not yeah. It does. That's not a bad idea, really.\n\nChannel 0: Yeah.\n\nChannel 1: And,\n\nChannel 0: And it's\n\nChannel 1: like,\n\nChannel 0: one of those\n\nChannel 1: I\n\nChannel 0: things\n\nChannel 1: think\n\nChannel 0: where you\n\nChannel 1: I\n\nChannel 0: don't\n\nChannel 1: just\n\nChannel 0: wanna get to 58 and have forgotten about it because then\n\nChannel 1: yeah.\n\nChannel 0: it's it hasn't been moving, and then it's a bit hard to catch it up.\n\nChannel 1: Yeah. For sure.\n\nChannel 0: But, look, at this point, we do a little bit of an engine stream up on the super portfolio that gets it growing a bit quicker. And then I can just put some flags on the account that when we talk to you next, we'll just follow-up on it and see how you went with your accountant.\n\nChannel 1: Yep.\n\nChannel 0: And we can just you know, it may not be this year or next financial year, but over the next couple of years, we might just start something small off with you. Whatever kind\n\nChannel 1: Yeah.\n\nChannel 0: of.\n\nChannel 1: I think that's probably the only guy, isn't it, really?\n\nChannel 0: Yeah. Even\n\nChannel 1: Oh,\n\nChannel 0: I\n\nChannel 1: good.\n\nChannel 0: know some people do that $50 a week or something just so it's it's going.\n\nChannel 1: Yeah. That's what I'm\n\nChannel 0: Depends.\n\nChannel 1: just thinking it out now. Actually, it's it's really short of it that way.\n\nChannel 0: So have a think about it. Talk to the partner. Talk to your accountant. And if you want any further info, just call up our 1300 number and book in with me or\n\nChannel 1: Yep.\n\nChannel 0: the team, and we'll kind\n\nChannel 1: Yep.\n\nChannel 0: of walk you through a few options again. Cool.\n\nChannel 1: Got it.\n\nChannel 0: One thing I wanted to check with you is just in terms of the beneficiary nominations, there\n\nChannel 1: Yep.\n\nChannel 0: was possibly a note there to update those. And\n\nChannel 1: Okay.\n\nChannel 0: all I've done in the advice document is saying, hey. Look. Let's just make sure that your super and your life insurance are all up to date because you had the three kids listed equally as beneficiaries, but you were talking about maybe splitting it between the partner and the kids or something like that.\n\nChannel 1: Yeah. Yes. I didn't really think I was in one ear and out the other. Usually, just think about it and then forget about it. You know?\n\nBut yeah.\n\nChannel 0: Would\n\nChannel 1: Well,\n\nChannel 0: it\n\nChannel 1: could\n\nChannel 0: be\n\nChannel 1: you\n\nChannel 0: easier\n\nChannel 1: sorry.\n\nChannel 0: if would it be easier if I I sent you the forms and you just had a bit of time to think about it?\n\nChannel 1: Yeah. That'd be a good day. Yeah.\n\nChannel 0: Yep. I guess one of the things to say, when it comes to the kids, are they all 18?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yeah. Cool. So the easiest way to think is, like, let's say everything goes to the partner as as one option, and\n\nChannel 1: Yeah.\n\nChannel 0: then, obviously, she can look after everything from there. If you distribute it out to kids, if they're 18, whoever their guardian is, whether it's your partner or somebody else if you both pass away,\n\nChannel 1: Yep.\n\nChannel 0: they're the people who control their their money until the right team. Right?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: So something to look at down the line is things like you can do a testamentary trust will where you put in place a will and you pass away and it opens up a trust fund and you can be a bit more specific with how the money goes to the kids.\n\nChannel 1: Yep.\n\nChannel 0: But\n\nChannel 1: Yep.\n\nChannel 0: when you're thinking your beneficiaries for the super and the life insurance, you're basically split between, okay, do I just nominate my partner, or do I go, okay, you know, bit for the partner, bit for the kids? And just as long as you know that who's gonna look after the money for them.\n\nChannel 1: Yeah. Yeah. Well, that would probably be yeah. Probably will just put it in Brianna's name, I'd say.\n\nChannel 0: Yep. And you've got a couple of options when the forms come. Some of them a bit silly, but you can choose whether you want beneficiary nominations to expire every three years or if it's just continuous until you change it.\n\nChannel 1: Yep. Yeah. Okay.\n\nChannel 0: Any preference there?\n\nChannel 1: Well, not really. Probably what what did you say? Every three years.\n\nChannel 0: Yeah. You you can expire every three years, which kind of forces you to look at it, or you can just have\n\nChannel 1: Yep.\n\nChannel 0: it continuous until you change it, and then it's kind of locked in unless you decide to change it.\n\nChannel 1: Yeah. Well, probably in three years maybe.\n\nChannel 0: Yeah. Yeah. That's fine.\n\nChannel 1: Just to reevaluate\n\nChannel 0: It's\n\nChannel 1: and\n\nChannel 0: a good reminder.\n\nChannel 1: yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Exactly.\n\nChannel 0: And then this one's a little bit of a strange question, but you can choose for it to be legally binding or nonbinding, which basically means legally binding the super fund or the insurer has to do it. And if it's nonbinding,\n\nChannel 1: Yep.\n\nChannel 0: it means the super fund has a bit of discretion on where the money goes.\n\nChannel 1: Yeah. Okay. Yep.\n\nChannel 0: So I've got a bit of a flag here where I'm gonna send through the forms with a bit of a cover letter with some instructions on how to do it. And it's basically you tick the box for that binding lapsing. So it's legally binding, and it doesn't expire. And then you just put in who you wanna nominate and the percentage, and you're just gonna get two people to witness it who are not your beneficiary.\n\nChannel 1: Yep.\n\nChannel 0: Cool. But any trouble at all, mate, just call the the team up, and they can walk you through it in about two minutes flat.\n\nChannel 1: Yeah. I tried to get a job.\n\nChannel 0: Cool. So as a bit of a reminder, what we're basically doing, fix up the super portfolio a little bit, and we'll send you out the beneficiary forms. And then it's just basically keep an eye on things, revisit the contributions later, see how you're going with the business and properties, and come back to, you know, insurance changes and things after that, maybe investment down the line.\n\nChannel 1: Yep.\n\nChannel 0: Does that all sound okay for you?\n\nChannel 1: Yeah. No. It\n\nChannel 0: Any questions on that? I know I've just kind of\n\nChannel 1: does.\n\nChannel 0: throwing a bit of info at you, but does it make sense?\n\nChannel 1: Yeah. It does.\n\nChannel 0: Beauty.\n\nChannel 1: Yep.\n\nChannel 0: One of the things I've gotta let you know too in terms of disadvantages is whenever we change investments inside your super, we just factor in things like if there's any capital gains tax under the hood or fees for changing investments because we've got control over what we buy and sell. So when I show you the those projections in the document, that factors all of the fees and taxes and things into it from all the advice put together.\n\nChannel 1: Yeah. Rory.\n\nChannel 0: Cool. Because it's things like, you know, brokerage. Like, if I tell you to buy this investment instead of that one, well, the supercharges that 0.11% because it's an ETF and they've gotta buy it, and then it's super low fees after that.\n\nChannel 1: Yep.\n\nChannel 0: Alright? So I'll leave that there with you. Basically, if you're happy to sign\n\nChannel 1: I\n\nChannel 0: off on that, we can do the investment switch and send you out that pack. I'm just gonna quickly double check. So your\n\nChannel 1: think\n\nChannel 0: certificate's\n\nChannel 1: I just\n\nChannel 0: there\n\nChannel 1: I'm\n\nChannel 0: for\n\nChannel 1: sorry.\n\nChannel 0: the insurances. Oh, did you just do it?\n\nChannel 1: Yeah. I'm pretty pretty sure I've got most of well, what I had to can\n\nChannel 0: Yeah. Yep.\n\nChannel 1: you tell\n\nChannel 0: Let me\n\nChannel 1: on\n\nChannel 0: have\n\nChannel 1: your\n\nChannel 0: a\n\nChannel 1: end?\n\nChannel 0: quick look. Yeah. I'll see if that's popped through just yet. So when you go through the the buttons, there's little purple buttons, and it should pull you down there to stamp your signature and everything. And then at the very bottom, once you skip through all the documents, because there's a a bunch of other documents underneath it, the financial services guide and so on.\n\nOnce you skip to the last one, it'll ask you to validate it.\n\nChannel 1: Right. That might have been more. It kept flicking back on me.\n\nChannel 0: Yeah. So once it's signed, you basically just gonna keep hitting purple buttons Just skip past all the documents, make sure you know what you're signing.\n\nChannel 1: Yes. At least that one.\n\nChannel 0: Beautiful.\n\nChannel 1: What next happened?\n\nChannel 0: Which that also includes, like, service agreement with us just to make sure we're still listed as your advisers. Again, same sort of 1.65% on the fees and all that kind of thing coming through the super. You're on the the partner discount, 1.1 instead of 1.65. So we can't change anything, obviously, unless we've got your consent with Netwealth.\n\nChannel 1: Yeah. Hi. What am I on? I'm on.\n\nChannel 0: And one of the first documents you saw was that big blue statement with Netwealth. That\n\nChannel 1: Yep.\n\nChannel 0: one basically shows, like, why we're doing what we're doing is that it's had a just under 11% return after fees, which is fantastic, but there's that one option that's in there as a negative. And I think you're sitting at about a 151,000 at the moment, and you're\n\nChannel 1: Yep.\n\nChannel 0: sitting at a 136 last year.\n\nChannel 1: Oh, it's good, isn't it? Yeah. I was I didn't look at that at the start. I think I've got got them all. Have I got\n\nChannel 0: Alright. I'll\n\nChannel 1: them\n\nChannel 0: have a little refresh and have a quick\n\nChannel 1: all\n\nChannel 0: look.\n\nChannel 1: or not?\n\nChannel 0: It hasn't come through just yet, but usually when you get to the bottom, that last purple button that goes validate, it sometimes spins for about a minute or so, especially if the Internet's slow, and then\n\nChannel 1: Yeah.\n\nChannel 0: it asks you\n\nChannel 1: Yeah.\n\nChannel 0: to save a copy.\n\nChannel 1: Yeah. I'm at the road away from town. So\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Look. I might I might sort of leave it with you in case your reception cuts out or anything, but maybe\n\nChannel 1: Yeah.\n\nChannel 0: just see if it loads. And if not, maybe when you get back home, just have a quick look for me.\n\nChannel 1: Yeah. It'll be better at home.\n\nChannel 0: Yeah. Look. No rush. Like, we're not gonna try and submit everything this afternoon. Just have a look when you get home.\n\nChannel 1: Yeah. I'm\n\nChannel 0: And,\n\nChannel 1: not picking up on the computer too. It might be a bit easy to see.\n\nChannel 0: yeah, that way it's easier to read the documents\n\nChannel 1: Yeah.\n\nChannel 0: too\n\nChannel 1: That's right. It's\n\nChannel 0: rather than on the phone.\n\nChannel 1: Yeah. That's right.\n\nChannel 0: Cool. Look. Any questions you got, just give us a buzz or send a text or an email through before you sign it. And if it comes through, the team will pretty much just jump on Netwealth, submit everything, and start switching the investments around.\n\nChannel 1: Yep. Yeah. Okay.\n\nChannel 0: Awesome, mate. No. Sorry to catch you while you're out and about, but\n\nChannel 1: No. That's\n\nChannel 0: anything\n\nChannel 1: alright.\n\nChannel 0: else I can do for you?\n\nChannel 1: No. That that's all. I'll get to that this time when I get back to back home.\n\nChannel 0: Yeah. Cool. And last question for me is just in terms of, like, catch up frequency. We obviously pencil in the annual review and keep an eye on things. But do you want me to put in for any quarterly or six monthly catch ups, or do you prefer just to wait for that twelve months?\n\nChannel 1: Yeah. Twelve months is alright.\n\nChannel 0: Yeah. Look. If anything pops\n\nChannel 1: Yeah.\n\nChannel 0: up in between, like, you go and talk\n\nChannel 1: Yeah.\n\nChannel 0: to your accountant and you've got questions, like, you just call anytime,\n\nChannel 1: Yep.\n\nChannel 0: but we'll kind of reach out to you at the review mark unless something pops up in between.\n\nChannel 1: Yeah. Right. Yeah. I think I\n\nChannel 0: Alrighty.\n\nChannel 1: got all of you guys when I was chasing what to do with the buddy investment house.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: It's just yeah. It's pretty I've got Carl's mobile, I think.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: And easier for us is just if you do the the info email and the 1300 number, it kinda links into your client profile\n\nChannel 1: Yep.\n\nChannel 0: on that new system that we've got. And\n\nChannel 1: Yeah.\n\nChannel 0: that way,\n\nChannel 1: Okay.\n\nChannel 0: if I'm away or something, then at least someone can jump on to\n\nChannel 1: Yep.\n\nChannel 0: it for me.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Cool.\n\nChannel 1: Yeah. I've\n\nChannel 0: Alright,\n\nChannel 1: got\n\nChannel 0: mate.\n\nChannel 1: that\n\nChannel 0: Well,\n\nChannel 1: number saved too.\n\nChannel 0: I might leave you to it for the day.\n\nChannel 1: Yep.\n\nChannel 0: But like\n\nChannel 1: No\n\nChannel 0: I\n\nChannel 1: dramas.\n\nChannel 0: said, with the beneficiaries for the the life insurance and\n\nChannel 1: Yep.\n\nChannel 0: the super, do you want those emailed out so you can print them, or do you just want us to post you out a pack with an envelope?\n\nChannel 1: Yeah. Just send over the other stuff if you if you could.\n\nChannel 0: Yep. Alright. So what'll happen is it'll have a cover letter on how to do it and a bit of a\n\nChannel 1: Yep.\n\nChannel 0: return envelope, and you just basically sign, get a witness, and flick it back to us, and we'll submit\n\nChannel 1: Yep.\n\nChannel 0: it all and chase it up.\n\nChannel 1: Right. Yeah. Seems like it's my end.\n\nChannel 0: Beauty. Alright, mate. Thank you so much for your time. I do appreciate\n\nChannel 1: No worries.\n\nChannel 0: it. Just\n\nChannel 1: Thank you.\n\nChannel 0: lunchtime and everything. But,\n\nChannel 1: That's alright.\n\nChannel 0: look, it really helps us getting the extra info checked out and making sure you're comfortable before we change anything. And then\n\nChannel 1: Yep.\n\nChannel 0: if we need to revisit it, at least we've got that time frame as well.\n\nChannel 1: Yes. Fair enough.\n\nChannel 0: Goody, Daniel. Thank you\n\nChannel 1: No\n\nChannel 0: so much\n\nChannel 1: dramas.\n\nChannel 0: for your time, mate, and\n\nChannel 1: Alright.\n\nChannel 0: I'll talk to you again soon. But if I don't hear from you, just keep an eye out for that mail.\n\nChannel 1: Yeah. Will do.\n\nChannel 0: Awesome,\n\nChannel 1: Alright.\n\nChannel 0: mate. Take it easy.\n\nChannel 1: Thanks a lot.\n\nChannel 0: Cheers.\n\nChannel 1: Bye\n\nChannel 0: Bye.\n\nChannel 1: bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.04,"end":1.54,"sentiment":"neutral","sentiment_score":0.0376700833439827}],"sentiment":"neutral","sentiment_score":0.0376700833439827,"channel":1,"num_words":1,"start":1.04,"end":1.54},{"sentences":[{"text":"Good day, Daniel.","start":2.24,"end":3.04,"sentiment":"neutral","sentiment_score":0.2551817496617635},{"text":"Tommy here, senior adviser from.","start":3.04,"end":4.8199997,"sentiment":"neutral","sentiment_score":0.1815561980009079},{"text":"How are you doing?","start":5.04,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.15439198538661003}],"sentiment":"neutral","sentiment_score":0.19090784837802252,"channel":0,"num_words":12,"start":2.24,"end":5.8599997},{"sentences":[{"text":"Good morning.","start":5.92,"end":6.48,"sentiment":"neutral","sentiment_score":0.2843635827302933},{"text":"How are you?","start":6.48,"end":7.22,"sentiment":"neutral","sentiment_score":0.2344437688589096}],"sentiment":"neutral","sentiment_score":0.2544116944074631,"channel":1,"num_words":5,"start":5.92,"end":7.22},{"sentences":[{"text":"Living the dream so far.","start":7.2799997,"end":8.4,"sentiment":"positive","sentiment_score":0.5893708109855652},{"text":"It's been a fantastic day.","start":8.4,"end":9.84,"sentiment":"positive","sentiment_score":0.7998978495597839},{"text":"All the clouds have come out.","start":9.84,"end":10.88,"sentiment":"neutral","sentiment_score":0.31568122406800586},{"text":"What about your end?","start":10.88,"end":11.94,"sentiment":"neutral","sentiment_score":0.052116656210273504}],"sentiment":"positive","sentiment_score":0.45244486359879377,"channel":0,"num_words":20,"start":7.2799997,"end":11.94},{"sentences":[{"text":"Oh, don't say that.","start":12.799999,"end":13.94,"sentiment":"neutral","sentiment_score":-0.03554774867370725},{"text":"Yeah.","start":14.485,"end":14.525,"sentiment":"neutral","sentiment_score":-0.041396334767341614},{"text":"I really can blame yourself.","start":14.525,"end":15.865,"sentiment":"neutral","sentiment_score":-0.19135790169239045}],"sentiment":"neutral","sentiment_score":-0.11403768379241228,"channel":1,"num_words":10,"start":12.799999,"end":15.865},{"sentences":[{"text":"Can't complain, mate.","start":16.175,"end":17.315,"sentiment":"neutral","sentiment_score":0.011822645862897238},{"text":"I've just got you booked in to go through a quick catch up for some updated advice we're sending through to you,","start":18.095001,"end":23.475,"sentiment":"neutral","sentiment_score":0.14226532084020702}],"sentiment":"neutral","sentiment_score":0.12661219984292985,"channel":0,"num_words":25,"start":16.175,"end":23.475},{"sentences":[{"text":"Yep.","start":23.525,"end":24.025,"sentiment":"neutral","sentiment_score":0.05793155729770661}],"sentiment":"neutral","sentiment_score":0.05793155729770661,"channel":1,"num_words":1,"start":23.525,"end":24.025},{"sentences":[{"text":"but team did let me know that you might be a little bit busy today.","start":23.535,"end":26.835,"sentiment":"neutral","sentiment_score":0.003960514068603515}],"sentiment":"neutral","sentiment_score":0.003960514068603515,"channel":0,"num_words":15,"start":23.535,"end":26.835},{"sentences":[{"text":"Yeah.","start":27.66,"end":27.9,"sentiment":"neutral","sentiment_score":0.035037197172641754},{"text":"Well, it's not raining, so I'm not too bad.","start":27.9,"end":30.079998,"sentiment":"neutral","sentiment_score":0.042560345182816185}],"sentiment":"neutral","sentiment_score":0.04180803038179874,"channel":1,"num_words":10,"start":27.66,"end":30.079998},{"sentences":[{"text":"Oh, perfect.","start":30.77,"end":31.33,"sentiment":"positive","sentiment_score":0.36356085538864136},{"text":"Perfect.","start":31.33,"end":31.810001,"sentiment":"positive","sentiment_score":0.38368821144104},{"text":"So","start":31.810001,"end":32.05,"sentiment":"neutral","sentiment_score":0.1420815736055374}],"sentiment":"neutral","sentiment_score":0.31322287395596504,"channel":0,"num_words":4,"start":30.77,"end":32.05},{"sentences":[{"text":"Yeah.","start":31.82,"end":32.32,"sentiment":"neutral","sentiment_score":0.1615520715713501}],"sentiment":"neutral","sentiment_score":0.1615520715713501,"channel":1,"num_words":1,"start":31.82,"end":32.32},{"sentences":[{"text":"what I'm gonna do is I'm gonna shoot through this email to you in a sec.","start":32.05,"end":35.25,"sentiment":"neutral","sentiment_score":0.10349177336320281},{"text":"Do you mind if I just do the quick security check?","start":35.25,"end":37.43,"sentiment":"neutral","sentiment_score":0.04372219097885219}],"sentiment":"neutral","sentiment_score":0.07914120276217107,"channel":0,"num_words":27,"start":32.05,"end":37.43},{"sentences":[{"text":"Yep.","start":37.579998,"end":38.079998,"sentiment":"neutral","sentiment_score":0.07380665093660355}],"sentiment":"neutral","sentiment_score":0.07380665093660355,"channel":1,"num_words":1,"start":37.579998,"end":38.079998},{"sentences":[{"text":"Cool.","start":38.53,"end":39.03,"sentiment":"neutral","sentiment_score":0.09885676950216292},{"text":"So I'm registered with Asic as adviser one 273105.","start":39.25,"end":43.745,"sentiment":"neutral","sentiment_score":0.08669152069422933},{"text":"Could you please confirm your date of birth and address?","start":43.805,"end":46.305,"sentiment":"neutral","sentiment_score":0.057536691427230835}],"sentiment":"neutral","sentiment_score":0.07272236850112676,"channel":0,"num_words":20,"start":38.53,"end":46.305},{"sentences":[{"text":"Thirteen to the fifth nineteen eighty one and 83 Mossman's Lane, Mildred.","start":47.285,"end":52.184998,"sentiment":"neutral","sentiment_score":0.038257602912684284}],"sentiment":"neutral","sentiment_score":0.038257602912684284,"channel":1,"num_words":12,"start":47.285,"end":52.184998},{"sentences":[{"text":"Sensational.","start":53.165,"end":53.665,"sentiment":"neutral","sentiment_score":0.08019696176052094},{"text":"So I'm gonna pop this advice through to your BigPond address if you've got access to it.","start":53.805,"end":58.74,"sentiment":"neutral","sentiment_score":0.1002061020802049},{"text":"Were you gonna look into the documents with me today, or would you want me to just","start":58.820004,"end":61.780003,"sentiment":"neutral","sentiment_score":0.06656005047261715}],"sentiment":"neutral","sentiment_score":0.08329204443309988,"channel":0,"num_words":35,"start":53.165,"end":61.780003},{"sentences":[{"text":"Yep.","start":61.649998,"end":62.149998,"sentiment":"neutral","sentiment_score":0.0890837237238884}],"sentiment":"neutral","sentiment_score":0.0890837237238884,"channel":1,"num_words":1,"start":61.649998,"end":62.149998},{"sentences":[{"text":"walk you through what's coming your way?","start":61.780003,"end":64.12,"sentiment":"neutral","sentiment_score":0.0941806568631104}],"sentiment":"neutral","sentiment_score":0.0941806568631104,"channel":0,"num_words":7,"start":61.780003,"end":64.12},{"sentences":[{"text":"Oh, yeah.","start":65.729996,"end":66.369995,"sentiment":"neutral","sentiment_score":0.010096646379679441},{"text":"It's not I'm not yeah.","start":66.369995,"end":67.57,"sentiment":"neutral","sentiment_score":-0.037880114279687405},{"text":"I'll be alright.","start":67.57,"end":68.229996,"sentiment":"neutral","sentiment_score":0.009591990460952124}],"sentiment":"neutral","sentiment_score":-0.014043130725622178,"channel":1,"num_words":10,"start":65.729996,"end":68.229996},{"sentences":[{"text":"Yep.","start":68.740005,"end":68.98,"sentiment":"neutral","sentiment_score":0.07012997567653656},{"text":"Cool.","start":68.98,"end":69.48,"sentiment":"neutral","sentiment_score":0.12848222255706787}],"sentiment":"neutral","sentiment_score":0.09930609911680222,"channel":0,"num_words":2,"start":68.740005,"end":69.48},{"sentences":[{"text":"That's not a response.","start":69.17,"end":70.229996,"sentiment":"neutral","sentiment_score":-0.0332499819342047}],"sentiment":"neutral","sentiment_score":-0.0332499819342047,"channel":1,"num_words":4,"start":69.17,"end":70.229996},{"sentences":[{"text":"So I'm popping this 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what's coming through.","start":103.534996,"end":105.615,"sentiment":"neutral","sentiment_score":0.1330484375357628},{"text":"So there's an updated advice document, but there's also the usual supporting documents that go with it just in terms of, you know, investment menus, some reports for your annual review, certificate for your insurances, all that kind of thing.","start":105.615,"end":120.46,"sentiment":"neutral","sentiment_score":0.08934429539367557}],"sentiment":"neutral","sentiment_score":0.11356694244525649,"channel":0,"num_words":55,"start":102.415,"end":120.46},{"sentences":[{"text":"Yep.","start":120.45,"end":120.77,"sentiment":"neutral","sentiment_score":0.08577151596546173},{"text":"So I've just got a saw on this 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a","start":1109.3251,"end":1113.31,"sentiment":"neutral","sentiment_score":0.08108100079392132}],"sentiment":"neutral","sentiment_score":0.08166327309750375,"channel":0,"num_words":21,"start":1106.605,"end":1113.31},{"sentences":[{"text":"Yep.","start":1113.155,"end":1113.655,"sentiment":"neutral","sentiment_score":0.08330818265676498}],"sentiment":"neutral","sentiment_score":0.08330818265676498,"channel":1,"num_words":1,"start":1113.155,"end":1113.655},{"sentences":[{"text":"return envelope, and you just basically sign, get a witness, and flick it back to us, and we'll submit","start":1113.31,"end":1117.9501,"sentiment":"neutral","sentiment_score":0.08917194153917463}],"sentiment":"neutral","sentiment_score":0.08917194153917463,"channel":0,"num_words":19,"start":1113.31,"end":1117.9501},{"sentences":[{"text":"Yep.","start":1117.66,"end":1118.16,"sentiment":"neutral","sentiment_score":0.05772095546126366}],"sentiment":"neutral","sentiment_score":0.05772095546126366,"channel":1,"num_words":1,"start":1117.66,"end":1118.16},{"sentences":[{"text":"it all and chase it up.","start":1117.9501,"end":1119.3301,"sentiment":"neutral","sentiment_score":0.07923036813735962}],"sentiment":"neutral","sentiment_score":0.07923036813735962,"channel":0,"num_words":6,"start":1117.9501,"end":1119.3301},{"sentences":[{"text":"Right.","start":1119.5801,"end":1119.8201,"sentiment":"neutral","sentiment_score":0.0741170346736908},{"text":"Yeah.","start":1119.8201,"end":1120.14,"sentiment":"neutral","sentiment_score":0.09171029925346376},{"text":"Seems like it's my end.","start":1120.14,"end":1121.52,"sentiment":"neutral","sentiment_score":0.13641784489154815}],"sentiment":"neutral","sentiment_score":0.12113093691212791,"channel":1,"num_words":7,"start":1119.5801,"end":1121.52},{"sentences":[{"text":"Beauty.","start":1121.87,"end":1122.37,"sentiment":"neutral","sentiment_score":0.250827819108963},{"text":"Alright, mate.","start":1122.43,"end":1123.25,"sentiment":"neutral","sentiment_score":0.3227916955947876},{"text":"Thank you so much for your time.","start":1123.55,"end":1124.8301,"sentiment":"positive","sentiment_score":0.5561252576964242},{"text":"I do appreciate","start":1124.8301,"end":1125.55,"sentiment":"positive","sentiment_score":0.3855375548203786}],"sentiment":"positive","sentiment_score":0.457376975279588,"channel":0,"num_words":13,"start":1121.87,"end":1125.55},{"sentences":[{"text":"No worries.","start":1125.18,"end":1125.74,"sentiment":"neutral","sentiment_score":0.26472919434309006}],"sentiment":"neutral","sentiment_score":0.26472919434309006,"channel":1,"num_words":2,"start":1125.18,"end":1125.74},{"sentences":[{"text":"it.","start":1125.55,"end":1125.7101,"sentiment":"neutral","sentiment_score":0.23958072066307068},{"text":"Just","start":1125.7101,"end":1126.2101,"sentiment":"neutral","sentiment_score":0.2046002298593521}],"sentiment":"neutral","sentiment_score":0.2220904752612114,"channel":0,"num_words":2,"start":1125.55,"end":1126.2101},{"sentences":[{"text":"Thank you.","start":1125.74,"end":1126.48,"sentiment":"neutral","sentiment_score":0.27537859976291656}],"sentiment":"neutral","sentiment_score":0.27537859976291656,"channel":1,"num_words":2,"start":1125.74,"end":1126.48},{"sentences":[{"text":"lunchtime and everything.","start":1126.3501,"end":1127.39,"sentiment":"neutral","sentiment_score":0.18091977636019388},{"text":"But,","start":1127.39,"end":1127.89,"sentiment":"neutral","sentiment_score":0.0945153757929802}],"sentiment":"neutral","sentiment_score":0.15931867621839046,"channel":0,"num_words":4,"start":1126.3501,"end":1127.89},{"sentences":[{"text":"That's alright.","start":1128.06,"end":1128.88,"sentiment":"neutral","sentiment_score":0.3071684092283249}],"sentiment":"neutral","sentiment_score":0.3071684092283249,"channel":1,"num_words":2,"start":1128.06,"end":1128.88},{"sentences":[{"text":"look, it really helps us getting the extra info checked out and making sure you're comfortable before we change anything.","start":1128.955,"end":1135.195,"sentiment":"positive","sentiment_score":0.3812240444123745},{"text":"And then","start":1135.195,"end":1135.595,"sentiment":"neutral","sentiment_score":0.19369785487651825}],"sentiment":"positive","sentiment_score":0.36417620900002395,"channel":0,"num_words":22,"start":1128.955,"end":1135.595},{"sentences":[{"text":"Yep.","start":1135.5651,"end":1136.0651,"sentiment":"neutral","sentiment_score":0.13310468196868896}],"sentiment":"neutral","sentiment_score":0.13310468196868896,"channel":1,"num_words":1,"start":1135.5651,"end":1136.0651},{"sentences":[{"text":"if we need to revisit it, at least we've got that time frame as well.","start":1135.595,"end":1139.455,"sentiment":"neutral","sentiment_score":0.13256549139817556}],"sentiment":"neutral","sentiment_score":0.13256549139817556,"channel":0,"num_words":15,"start":1135.595,"end":1139.455},{"sentences":[{"text":"Yes.","start":1139.645,"end":1139.965,"sentiment":"neutral","sentiment_score":0.1857959032058716},{"text":"Fair enough.","start":1139.965,"end":1140.705,"sentiment":"neutral","sentiment_score":0.2589263394474983}],"sentiment":"neutral","sentiment_score":0.23454952736695608,"channel":1,"num_words":3,"start":1139.645,"end":1140.705},{"sentences":[{"text":"Goody, Daniel.","start":1142.4099,"end":1143.2899,"sentiment":"positive","sentiment_score":0.4100707173347473},{"text":"Thank you","start":1143.2899,"end":1143.61,"sentiment":"positive","sentiment_score":0.38383984565734863}],"sentiment":"positive","sentiment_score":0.396955281496048,"channel":0,"num_words":4,"start":1142.4099,"end":1143.61},{"sentences":[{"text":"No","start":1143.53,"end":1143.9299,"sentiment":"neutral","sentiment_score":0.28777649998664856}],"sentiment":"neutral","sentiment_score":0.28777649998664856,"channel":1,"num_words":1,"start":1143.53,"end":1143.9299},{"sentences":[{"text":"so much","start":1143.61,"end":1143.9299,"sentiment":"neutral","sentiment_score":0.08165212348103523}],"sentiment":"neutral","sentiment_score":0.08165212348103523,"channel":0,"num_words":2,"start":1143.61,"end":1143.9299},{"sentences":[{"text":"dramas.","start":1143.9299,"end":1144.4299,"sentiment":"neutral","sentiment_score":0.13645033538341522}],"sentiment":"neutral","sentiment_score":0.13645033538341522,"channel":1,"num_words":1,"start":1143.9299,"end":1144.4299},{"sentences":[{"text":"for your time, mate, and","start":1143.9299,"end":1145.3099,"sentiment":"neutral","sentiment_score":0.18928326666355133}],"sentiment":"neutral","sentiment_score":0.18928326666355133,"channel":0,"num_words":5,"start":1143.9299,"end":1145.3099},{"sentences":[{"text":"Alright.","start":1145.21,"end":1145.71,"sentiment":"neutral","sentiment_score":0.19373634457588196}],"sentiment":"neutral","sentiment_score":0.19373634457588196,"channel":1,"num_words":1,"start":1145.21,"end":1145.71},{"sentences":[{"text":"I'll talk to you again soon.","start":1145.37,"end":1146.57,"sentiment":"neutral","sentiment_score":0.14001825576027235},{"text":"But if I don't hear from you, just keep an eye out for that mail.","start":1146.57,"end":1149.825,"sentiment":"neutral","sentiment_score":-0.08757757917046546}],"sentiment":"neutral","sentiment_score":-0.022550197761683235,"channel":0,"num_words":21,"start":1145.37,"end":1149.825},{"sentences":[{"text":"Yeah.","start":1149.85,"end":1150.25,"sentiment":"neutral","sentiment_score":0.24377664923667908},{"text":"Will do.","start":1150.25,"end":1150.99,"sentiment":"positive","sentiment_score":0.3989771157503128}],"sentiment":"positive","sentiment_score":0.3472436269124349,"channel":1,"num_words":3,"start":1149.85,"end":1150.99},{"sentences":[{"text":"Awesome,","start":1151.985,"end":1152.385,"sentiment":"positive","sentiment_score":0.7525973320007324}],"sentiment":"positive","sentiment_score":0.7525973320007324,"channel":0,"num_words":1,"start":1151.985,"end":1152.385},{"sentences":[{"text":"Alright.","start":1152.33,"end":1152.83,"sentiment":"positive","sentiment_score":0.6475652456283569}],"sentiment":"positive","sentiment_score":0.6475652456283569,"channel":1,"num_words":1,"start":1152.33,"end":1152.83},{"sentences":[{"text":"mate.","start":1152.385,"end":1152.625,"sentiment":"positive","sentiment_score":0.7384385466575623},{"text":"Take it easy.","start":1152.625,"end":1153.445,"sentiment":"positive","sentiment_score":0.6938678820927938}],"sentiment":"positive","sentiment_score":0.7050105482339859,"channel":0,"num_words":4,"start":1152.385,"end":1153.445},{"sentences":[{"text":"Thanks a lot.","start":1153.2899,"end":1154.35,"sentiment":"positive","sentiment_score":0.8673721353212992}],"sentiment":"positive","sentiment_score":0.8673721353212992,"channel":1,"num_words":3,"start":1153.2899,"end":1154.35},{"sentences":[{"text":"Cheers.","start":1155.1849,"end":1155.585,"sentiment":"positive","sentiment_score":0.7456207275390625}],"sentiment":"positive","sentiment_score":0.7456207275390625,"channel":0,"num_words":1,"start":1155.1849,"end":1155.585},{"sentences":[{"text":"Bye","start":1155.37,"end":1155.61,"sentiment":"positive","sentiment_score":0.3376513123512268}],"sentiment":"positive","sentiment_score":0.3376513123512268,"channel":1,"num_words":1,"start":1155.37,"end":1155.61},{"sentences":[{"text":"Bye.","start":1155.585,"end":1156.085,"sentiment":"positive","sentiment_score":0.34132349491119385}],"sentiment":"positive","sentiment_score":0.34132349491119385,"channel":0,"num_words":1,"start":1155.585,"end":1156.085},{"sentences":[{"text":"bye.","start":1155.61,"end":1156.11,"sentiment":"neutral","sentiment_score":0.22296300530433655},{"text":"Bye.","start":1156.33,"end":1156.83,"sentiment":"neutral","sentiment_score":-0.09957865625619888}],"sentiment":"neutral","sentiment_score":0.06169217452406883,"channel":1,"num_words":2,"start":1155.61,"end":1156.83}]},"summary":{"result":"success","short":"During a conversation between senior advisers from Tommy and a customer, they discussed updating the customer's risk levels and retirement plans. The speakers emphasized the importance of updating retirement goals and beneficiary nominations, and emphasized the need to update coverage and input changes to investment income. They also provided guidance on navigating tax deduction and updating beneficiary information, and offered assistance with completing the process of updating financial services and client profiles. The conversation ended with pleasantries and goodbyes."},"intents":{"segments":[{"text":"I've just got you booked in to go through a quick catch up for some updated advice we're sending through to you, Yep. but team did let me know that you might be a little bit busy today. Yeah.","start_word":51,"end_word":89,"intents":[{"intent":"Update advice","confidence_score":0.03452285}]},{"text":"what I'm gonna do is I'm gonna shoot through this email to you in a sec. Do you mind if I just do the quick security check? Yep. Cool.","start_word":104,"end_word":132,"intents":[{"intent":"Check email","confidence_score":0.028337406}]},{"text":"Do you mind if I just do the quick security check? Yep. Cool.","start_word":120,"end_word":132,"intents":[{"intent":"Check security","confidence_score":0.5147502}]},{"text":"Were you gonna look into the documents with me today, or would you want me to just Yep. walk you through what's coming your way? Oh, yeah.","start_word":182,"end_word":208,"intents":[{"intent":"Check documents","confidence_score":0.2706244},{"intent":"Check documents","confidence_score":0.19346336}]},{"text":"That's not a response. So I'm popping this through. Email should come through pretty quickly. It is our new system, so it might go through to your spam box. But you should have an email come through from Oku Financial signature request for a statement of advice.","start_word":219,"end_word":265,"intents":[{"intent":"Get statements of advice","confidence_score":0.00055319606}]},{"text":"Internet's very slow. No.","start_word":267,"end_word":270,"intents":[{"intent":"Check internet speed","confidence_score":0.270655}]},{"text":"If you remember, mate, there was a bit of a review on the investments inside your super because one of the investments was kinda dragging its feet. Does that ring a bell? Yep.","start_word":387,"end_word":419,"intents":[{"intent":"Review investments","confidence_score":0.34048143}]},{"text":"And we're not giving advice on insurances because you said they were pretty comfortable at the time. You guys had a bit of a review, looked pretty good, and so we're just factoring in the impact of the premiums.","start_word":458,"end_word":496,"intents":[{"intent":"Factor in impact of premiums","confidence_score":0.011620719}]},{"text":"Main thing is your high growth portfolio. So we're not changing your risk level. We're still keeping your high growth, trying to get you the high returns until you're closer to retirement. Main Yep.","start_word":601,"end_word":634,"intents":[{"intent":"Promote high growth portfolio","confidence_score":0.006814604}]},{"text":"So with that Benelon that was dragging its feet, I've put you in a low fee ETF called BetaShares Australia two hundred. So it basically just reduces your investment fees, much better returns over one, three, five, and ten years, and Yep.","start_word":645,"end_word":686,"intents":[{"intent":"Promote betashares australia","confidence_score":0.24909616}]},{"text":"just a bit of a rebalance because what happens is some of your, like, your shares and your properties and your gold, they go up and down, and we're just bringing them back to the middle again because, obviously, markets move and your different assets grow and drop and all that kind of thing. So we're Yep. just rebalancing everything to a clean figures and just replacing that one option. Yep.","start_word":688,"end_word":758,"intents":[{"intent":"Rebalance assets","confidence_score":0.4481138}]},{"text":"Well, it depends on your commerce like, in the financial year now, do you normally talk to your accountant about the super when you go to do your tax Insane that we're only me wife and myself were talking about that the other day. We I haven't heard Bruce from me and which isn't really good. return and everything?","start_word":932,"end_word":990,"intents":[{"intent":"Discuss super and tax returns","confidence_score":0.00013514582}]},{"text":"But, look, at this point, we do a little bit of an engine stream up on the super portfolio that gets it growing a bit quicker. And then I can just put some flags on the account that when we talk to you next, we'll just follow-up on it and see how you went with your accountant. Yep.","start_word":1406,"end_word":1463,"intents":[{"intent":"Follow-up on account","confidence_score":0.5400183},{"intent":"Run portfolio","confidence_score":0.0044762804}]},{"text":"Talk to your accountant. And if you want any further info, just call up our 1300 number and book in with me or Yep. the team, and we'll kind Yep. of walk you through a few options again. Cool.","start_word":1559,"end_word":1597,"intents":[{"intent":"Discuss with accountant","confidence_score":0.06367957}]},{"text":"And if you want any further info, just call up our 1300 number and book in with me or Yep. the team, and we'll kind Yep. of walk you through a few options again. Cool.","start_word":1563,"end_word":1597,"intents":[{"intent":"Arrange further details","confidence_score":0.000004815015}]},{"text":"One thing I wanted to check with you is just in terms of the beneficiary nominations, there Yep. was possibly a note there to update those. And Okay.","start_word":1600,"end_word":1627,"intents":[{"intent":"Review beneficiary nominations","confidence_score":0.03324619},{"intent":"Update beneficiary nominations","confidence_score":0.43633243}]},{"text":"And if it's nonbinding, Yep. it means the super fund has a bit of discretion on where the money goes. Yeah.","start_word":2136,"end_word":2156,"intents":[{"intent":"Report decision","confidence_score":6.880293e-7}]},{"text":"Once you skip to the last one, it'll ask you to validate it. Right.","start_word":2649,"end_word":2662,"intents":[{"intent":"Validate document","confidence_score":0.01438697}]},{"text":"It hasn't come through just yet, but usually when you get to the bottom, that last purple button that goes validate, it sometimes spins for about a minute or so, especially if the Internet's slow, and then Yeah.","start_word":2891,"end_word":2928,"intents":[{"intent":"Confirm web refresh","confidence_score":0.00013627969}]},{"text":"to save a copy. Yeah.","start_word":2933,"end_word":2937,"intents":[{"intent":"Request copy of a text","confidence_score":3.6336755e-7}]},{"text":"too That's right. It's rather than on the phone. Yeah.","start_word":3047,"end_word":3056,"intents":[{"intent":"Confirm reading","confidence_score":0.000089605324}]},{"text":"Any questions you got, just give us a buzz or send a text or an email through before you sign it. And if it comes through, the team will pretty much just jump on Netwealth, submit everything, and start switching the investments around. Yep.","start_word":3061,"end_word":3104,"intents":[{"intent":"Provide information","confidence_score":0.059294116}]},{"text":"And last question for me is just in terms of, like, catch up frequency. We obviously pencil in the annual review and keep an eye on things. But do you want me to put in for any quarterly or six monthly catch ups, or do you prefer just to wait for that twelve months? Yeah.","start_word":3149,"end_word":3203,"intents":[{"intent":"Provide catch up frequency","confidence_score":0.028396988},{"intent":"Inquire about catch up frequency","confidence_score":0.033445563}]},{"text":"to your accountant and you've got questions, like, you just call anytime, Yep. but we'll kind of reach out to you at the review mark unless something pops up in between. Yeah.","start_word":3224,"end_word":3255,"intents":[{"intent":"Discuss with adviser","confidence_score":0.0006562668}]},{"text":"to your accountant and you've got questions, like, you just call anytime, Yep. but we'll kind of reach out to you at the review mark unless something pops up in between. Yeah. Right.","start_word":3224,"end_word":3256,"intents":[{"intent":"Follow up with adviser","confidence_score":0.0076473304}]},{"text":"I think I Alrighty. got all of you guys when I was chasing what to do with the buddy investment house. Yeah.","start_word":3257,"end_word":3278,"intents":[{"intent":"Review investment house","confidence_score":0.014283511}]},{"text":"look, it really helps us getting the extra info checked out and making sure you're comfortable before we change anything. And then Yep. if we need to revisit it, at least we've got that time frame as well. Yes.","start_word":3508,"end_word":3546,"intents":[{"intent":"Obtain additional information","confidence_score":0.002960314}]}]},"sentiments":{"segments":[{"text":"Hello? Good day, Daniel. Tommy here, senior adviser from. How are you doing? Good morning. How are you?","start_word":0,"end_word":17,"sentiment":"neutral","sentiment_score":0.19974122941493988},{"text":"Living the dream so far. It's been a fantastic day.","start_word":18,"end_word":27,"sentiment":"positive","sentiment_score":0.7149204611778259},{"text":"All the clouds have come out. What about your end? Oh, don't say that. Yeah. I really can blame yourself. Can't complain, mate. I've just got you booked in to go through a quick catch up for some updated advice we're sending through to you, Yep. but team did let me know that you might be a little bit busy today. Yeah. Well, it's not raining, so I'm not too bad.","start_word":28,"end_word":98,"sentiment":"neutral","sentiment_score":0.05779578909277916},{"text":"Oh, perfect. Perfect.","start_word":99,"end_word":101,"sentiment":"positive","sentiment_score":0.3702699840068817},{"text":"So Yeah. what I'm gonna do is I'm gonna shoot through this email to you in a sec. Do you mind if I just do the quick security check? Yep. Cool. So I'm registered with Asic as adviser one 273105. Could you please confirm your date of birth and address? Thirteen to the fifth nineteen eighty one and 83 Mossman's Lane, Mildred. Sensational. So I'm gonna pop this advice through to your BigPond address if you've got access to it. Were you gonna look into the documents with me today, or would you want me to just Yep. walk you through what's coming your way? Oh, yeah. It's not I'm not yeah. I'll be alright. Yep. Cool. That's not a response. So I'm popping this through. Email should come through pretty quickly. It is our new system, so it might go through to your spam box. But you should have an email come through from Oku Financial signature request for a statement of advice. Yes. Internet's very slow. No. That's no worries at all. Extremely enough. It's always the way. And just to sort of let you know what's coming through. So there's an updated advice document, but there's also the usual supporting documents that go with it just in terms of, you know, investment menus, some reports for your annual review, certificate for your insurances, all that kind of thing. Yep. So I've just got a saw on this door. Yeah. So I'll quickly walk you through what's there, and then let me know if you're comfortable with it. So because I'm kind of taking over the advice while Carl's not here, I just wanted to let you know what he was going through. If you remember, mate, there was a bit of a review on the investments inside your super because one of the investments was kinda dragging its feet. Does that ring a bell? Yep. Yep. Yep. Outside of that, he did just put the usual flags in there for estate planning. Just say, hey. Look. Make sure you've got your will and your power of attorney and everything up to date. Yep. And we're not giving advice on insurances because you said they were pretty comfortable at the time. You guys had a bit of a review, looked pretty good, and so we're just factoring in the impact of the premiums. Outside of that, there was some debt and cash flow goals just obviously focused on the business, pay down the mortgage, possibly upgrade your truck and machinery as your main focus for your cash flow. Is that right? Yep.","start_word":102,"end_word":535,"sentiment":"neutral","sentiment_score":0.05712582607011092},{"text":"Beautiful.","start_word":536,"end_word":536,"sentiment":"positive","sentiment_score":0.5397826433181763},{"text":"Mate, outside of that, we're not giving investment advice right now because you've got some cash flow priorities. But, basically, we've got the info noted down for, like, your income and occupation as a Yep. self employed doing earthmoving, and you've got the investment property, truck, machinery, your main residence, savings as your assets, and everything. Yep. Yep. Yeah. I'm Yep. just you alright? Main thing is your high growth portfolio. So we're not changing your risk level. We're still keeping your high growth, trying to get you the high returns until you're closer to retirement. Main Yep. thing is I've switched out some of the investments there. So with that Benelon that was dragging its feet, I've put you in a low fee ETF called BetaShares Australia two hundred.","start_word":537,"end_word":666,"sentiment":"neutral","sentiment_score":0.1174749881029129},{"text":"So it basically just reduces your investment fees, much better returns over one, three, five, and ten years, and Yep.","start_word":667,"end_word":686,"sentiment":"positive","sentiment_score":0.4309353232383728},{"text":"just a bit of a rebalance because what happens is some of your, like, your shares and your properties and your gold, they go up and down, and we're just bringing them back to the middle again because, obviously, markets move and your different assets grow and drop and all that kind of thing. So we're Yep. just rebalancing everything to a clean figures and just replacing that one option. Yep. No worries. K.","start_word":687,"end_word":760,"sentiment":"neutral","sentiment_score":-0.014292135834693909},{"text":"So keeps you at 92% growth assets. Your investment fees based on your current balance go down about $400, so it halves your investment cost. And the returns go back to double digits where they should be.","start_word":761,"end_word":797,"sentiment":"positive","sentiment_score":0.3923658430576325},{"text":"So instead Yeah. of Right. that eight to 10%, we're talking more 13 to 18% because Yeah. your benchmark North. is 10% or above. Yep. K? I haven't put any contributions in right now just because, obviously, being self employed, that's probably something to come back to when you do have the cash flow or if you start, you know, drawing wages or paying yourself super. So I've just done projections based on the super growing by itself. Yeah. It's fine. So what I've basically got there, it's estimated over five to ten years, that'll bump things up about 40 to $100. That would be a lot more of contributions were coming in, but I'm just going nice and conservative for now. Yeah. Fair enough. That's probably Yep. something I should look into, really. Well, it depends on your commerce like, in the financial year now, do you normally talk to your accountant about the super when you go to do your tax Insane that we're only me wife and myself were talking about that the other day.","start_word":798,"end_word":975,"sentiment":"neutral","sentiment_score":0.03272636979818344},{"text":"We I haven't heard Bruce from me and which isn't really good.","start_word":976,"end_word":987,"sentiment":"negative","sentiment_score":-0.4140127897262573},{"text":"return and everything? Yeah. And it's, what, last day of the financial year, and then all of a sudden, we've got tax returns. So you got a bit more time Well, being that's self employed. yeah. That's right. Well, that's what I said to Bree. I said, I haven't heard anything from me. I wouldn't mind knowing if I'm up or down or anyway. Yeah. And that's one of the things that I'm not gonna recommend you chuck $30 into your super if you've got you know, you don't know whether your taxes are coming out good or not or if you owe Yeah. money to the government. So, That's you know, right. once things Yeah. are stable, that's something to come back to. Yeah. Definitely. Just a bit of info for you. So just so you know in the back of your mind how it works. Normally, when people go self employed, first three to five years is just, I guess, building the cash flow up and dealing with things like your GST, your BAS statements, your taxes. Yep. Yep. And then once things get comfortable, two ways of doing super. Either people end up at the end of the financial year with heaps of money left over, and they go, alright. I'm gonna chuck $20 into super because I don't Yep. wanna get huge tax bill. Or, Yes. That's the issue. yep, there's that. Or if you get to a point where you've got, like, a company and you start paying yourself a regular wage or a salary, then you just pay yourself the 12% on that just like if Yep. you're an employee. So there's a couple different ways to do it, and we have a lot of self employed clients who do, like, a a BPAY contribution in once a year or, you know, Yep. $50 a week, and then we help them do the forms to claim it as a tax deduction. So whenever you need that help, that's something that we're gonna, like, touch base with you on, but Yep. we're available Okay. at any point to help you with. Yep. Righto. Makes Yeah. sense? That's not yeah. It does. That's not a bad idea, really. Yeah. And, And it's like, one of those I things think where you I don't just wanna get to 58 and have forgotten about it because then yeah. it's it hasn't been moving, and then it's a bit hard to catch it up. Yeah. For sure. But, look, at this point, we do a little bit of an engine stream up on the super portfolio that gets it growing a bit quicker. And then I can just put some flags on the account that when we talk to you next, we'll just follow-up on it and see how you went with your accountant. Yep. And we can just you know, it may not be this year or next financial year, but over the next couple of years, we might just start something small off with you. Whatever kind Yeah. of. I think that's probably the only guy, isn't it, really? Yeah. Even Oh, I good. know some people do that $50 a week or something just so it's it's going. Yeah. That's what I'm Depends. just thinking it out now.","start_word":988,"end_word":1539,"sentiment":"neutral","sentiment_score":-0.0022991626452573614},{"text":"Actually, it's it's really short of it that way.","start_word":1540,"end_word":1548,"sentiment":"negative","sentiment_score":-0.4034610390663147},{"text":"So have a think about it. Talk to the partner. Talk to your accountant. And if you want any further info, just call up our 1300 number and book in with me or Yep. the team, and we'll kind Yep. of walk you through a few options again.","start_word":1549,"end_word":1596,"sentiment":"neutral","sentiment_score":0.048240963369607925},{"text":"Cool.","start_word":1597,"end_word":1597,"sentiment":"positive","sentiment_score":0.35716336965560913},{"text":"Got it. One thing I wanted to check with you is just in terms of the beneficiary nominations, there Yep. was possibly a note there to update those. And Okay. all I've done in the advice document is saying, hey. Look. Let's just make sure that your super and your life insurance are all up to date because you had the three kids listed equally as beneficiaries, but you were talking about maybe splitting it between the partner and the kids or something like that. Yeah. Yes. I didn't really think I was in one ear and out the other. Usually, just think about it and then forget about it. You know? But yeah. Would Well, it could be you easier sorry. if would it be easier if I I sent you the forms and you just had a bit of time to think about it? Yeah.","start_word":1598,"end_word":1744,"sentiment":"neutral","sentiment_score":0.06725585460662842},{"text":"That'd be a good day.","start_word":1745,"end_word":1749,"sentiment":"positive","sentiment_score":0.40578827261924744},{"text":"Yeah. Yep. I guess one of the things to say, when it comes to the kids, are they all 18? Yep. Yep.","start_word":1750,"end_word":1771,"sentiment":"neutral","sentiment_score":0.0832290378483859},{"text":"Yeah. Cool.","start_word":1772,"end_word":1773,"sentiment":"positive","sentiment_score":0.5416967272758484},{"text":"So the easiest way to think is, like, let's say everything goes to the partner as as one option, and Yeah. then, obviously, she can look after everything from there. If you distribute it out to kids, if they're 18, whoever their guardian is, whether it's your partner or somebody else if you both pass away, Yep. they're the people who control their their money until the right team. Right? Yeah. Yep. So something to look at down the line is things like you can do a testamentary trust will where you put in place a will and you pass away and it opens up a trust fund and you can be a bit more specific with how the money goes to the kids. Yep. But Yep. when you're thinking your beneficiaries for the super and the life insurance, you're basically split between, okay, do I just nominate my partner, or do I go, okay, you know, bit for the partner, bit for the kids? And just as long as you know that who's gonna look after the money for them. Yeah. Yeah. Well, that would probably be yeah. Probably will just put it in Brianna's name, I'd say. Yep. And you've got a couple of options when the forms come. Some of them a bit silly, but you can choose whether you want beneficiary nominations to expire every three years or if it's just continuous until you change it. Yep. Yeah. Okay. Any preference there? Well, not really. Probably what what did you say? Every three years. Yeah. You you can expire every three years, which kind of forces you to look at it, or you can just have Yep. it continuous until you change it, and then it's kind of locked in unless you decide to change it. Yeah. Well, probably in three years maybe. Yeah. Yeah. That's fine. Just to reevaluate It's and a good reminder. yeah. Yep. Yeah. Exactly. And then this one's a little bit of a strange question, but you can choose for it to be legally binding or nonbinding, which basically means legally binding the super fund or the insurer has to do it. And if it's nonbinding, Yep. it means the super fund has a bit of discretion on where the money goes. Yeah. Okay. Yep. So I've got a bit of a flag here where I'm gonna send through the forms with a bit of a cover letter with some instructions on how to do it. And it's basically you tick the box for that binding lapsing. So it's legally binding, and it doesn't expire. And then you just put in who you wanna nominate and the percentage, and you're just gonna get two people to witness it who are not your beneficiary. Yep. Cool. But any trouble at all, mate, just call the the team up, and they can walk you through it in about two minutes flat. Yeah. I tried to get a job. Cool. So as a bit of a reminder, what we're basically doing, fix up the super portfolio a little bit, and we'll send you out the beneficiary forms. And then it's just basically keep an eye on things, revisit the contributions later, see how you're going with the business and properties, and come back to, you know, insurance changes and things after that, maybe investment down the line. Yep. Does that all sound okay for you? Yeah. No. It Any questions on that? I know I've just kind of does. throwing a bit of info at you, but does it make sense? Yeah. It does. Beauty. Yep. One of the things I've gotta let you know too in terms of disadvantages is whenever we change investments inside your super, we just factor in things like if there's any capital gains tax under the hood or fees for changing investments because we've got control over what we buy and sell. So when I show you the those projections in the document, that factors all of the fees and taxes and things into it from all the advice put together. Yeah. Rory. Cool. Because it's things like, you know, brokerage. Like, if I tell you to buy this investment instead of that one, well, the supercharges that 0.11% because it's an ETF and they've gotta buy it, and then it's super low fees after that. Yep. Alright? So I'll leave that there with you. Basically, if you're happy to sign I off on that, we can do the investment switch and send you out that pack. I'm just gonna quickly double check. So your think certificate's I just there I'm for sorry. the insurances. Oh, did you just do it? Yeah. I'm pretty pretty sure I've got most of well, what I had to can Yeah. Yep. you tell Let me on have your a end? quick look. Yeah. I'll see if that's popped through just yet. So when you go through the the buttons, there's little purple buttons, and it should pull you down there to stamp your signature and everything. And then at the very bottom, once you skip through all the documents, because there's a a bunch of other documents underneath it, the financial services guide and so on. Once you skip to the last one, it'll ask you to validate it. Right. That might have been more. It kept flicking back on me. Yeah. So once it's signed, you basically just gonna keep hitting purple buttons Just skip past all the documents, make sure you know what you're signing. Yes. At least that one.","start_word":1774,"end_word":2704,"sentiment":"neutral","sentiment_score":0.07272844880851331},{"text":"Beautiful.","start_word":2705,"end_word":2705,"sentiment":"positive","sentiment_score":0.44882285594940186},{"text":"What next happened? Which that also includes, like, service agreement with us just to make sure we're still listed as your advisers. Again, same sort of 1.65% on the fees and all that kind of thing coming through the super. You're on the the partner discount, 1.1 instead of 1.65. So we can't change anything, obviously, unless we've got your consent with Netwealth. Yeah. Hi. What am I on? I'm on. And one of the first documents you saw was that big blue statement with Netwealth. That Yep. one basically shows, like, why we're doing what we're doing is that it's had a just under 11% return after fees, which is fantastic, but there's that one option that's in there as a negative. And I think you're sitting at about a 151,000 at the moment, and you're Yep. sitting at a 136 last year. Oh, it's good, isn't it? Yeah. I was I didn't look at that at the start. I think I've got got them all. Have I got Alright. I'll them have a little refresh and have a quick all look. or not? It hasn't come through just yet, but usually when you get to the bottom, that last purple button that goes validate, it sometimes spins for about a minute or so, especially if the Internet's slow, and then Yeah. it asks you Yeah. to save a copy. Yeah. I'm at the road away from town. So Yeah. Yeah. Look. I might I might sort of leave it with you in case your reception cuts out or anything, but maybe Yeah. just see if it loads. And if not, maybe when you get back home, just have a quick look for me. Yeah. It'll be better at home. Yeah. Look. No rush. Like, we're not gonna try and submit everything this afternoon. Just have a look when you get home. Yeah. I'm And, not picking up on the computer too. It might be a bit easy to see. yeah, that way it's easier to read the documents Yeah. too That's right. It's rather than on the phone. Yeah. That's right.","start_word":2706,"end_word":3058,"sentiment":"neutral","sentiment_score":-0.020901101158546657},{"text":"Cool.","start_word":3059,"end_word":3059,"sentiment":"positive","sentiment_score":0.4607998728752136},{"text":"Look. Any questions you got, just give us a buzz or send a text or an email through before you sign it. And if it comes through, the team will pretty much just jump on Netwealth, submit everything, and start switching the investments around. Yep. Yeah. Okay.","start_word":3060,"end_word":3106,"sentiment":"neutral","sentiment_score":0.2069515585899353},{"text":"Awesome, mate.","start_word":3107,"end_word":3108,"sentiment":"positive","sentiment_score":0.4784602820873261},{"text":"No. Sorry to catch you while you're out and about, but No. That's anything alright. else I can do for you? No. That that's all. I'll get to that this time when I get back to back home. Yeah. Cool. And last question for me is just in terms of, like, catch up frequency. We obviously pencil in the annual review and keep an eye on things. But do you want me to put in for any quarterly or six monthly catch ups, or do you prefer just to wait for that twelve months? Yeah. Twelve months is alright. Yeah. Look. If anything pops Yeah. up in between, like, you go and talk Yeah. to your accountant and you've got questions, like, you just call anytime, Yep. but we'll kind of reach out to you at the review mark unless something pops up in between. Yeah. Right. Yeah. I think I Alrighty. got all of you guys when I was chasing what to do with the buddy investment house. Yeah. Yeah. Yep. It's just yeah. It's pretty I've got Carl's mobile, I think. Yeah. Yeah. Yeah. And easier for us is just if you do the the info email and the 1300 number, it kinda links into your client profile Yep. on that new system that we've got. And Yeah. that way, Okay. if I'm away or something, then at least someone can jump on to it Yep. for me. Yeah. Okay. Cool. Yeah. I've Alright, got mate. that Well, number saved too. I might leave you to it for the day. Yep. But like No I dramas. said, with the beneficiaries for the the life insurance and Yep. the super, do you want those emailed out so you can print them, or do you just want us to post you out a pack with an envelope? Yeah. Just send over the other stuff if you if you could. Yep. Alright. So what'll happen is it'll have a cover letter on how to do it and a bit of a Yep. return envelope, and you just basically sign, get a witness, and flick it back to us, and we'll submit Yep. it all and chase it up. Right. Yeah. Seems like it's my end. Beauty. Alright, mate.","start_word":3109,"end_word":3485,"sentiment":"neutral","sentiment_score":0.07592950375943348},{"text":"Thank you so much for your time.","start_word":3486,"end_word":3492,"sentiment":"positive","sentiment_score":0.5565066337585449},{"text":"I do appreciate No worries. it. Just Thank you. lunchtime and everything. But, That's alright.","start_word":3493,"end_word":3507,"sentiment":"neutral","sentiment_score":0.2564244270324707},{"text":"look, it really helps us getting the extra info checked out and making sure you're comfortable before we change anything.","start_word":3508,"end_word":3527,"sentiment":"positive","sentiment_score":0.3728944957256317},{"text":"And then Yep. if we need to revisit it, at least we've got that time frame as well. Yes. Fair enough.","start_word":3528,"end_word":3548,"sentiment":"neutral","sentiment_score":0.15463271737098694},{"text":"Goody, Daniel.","start_word":3549,"end_word":3550,"sentiment":"positive","sentiment_score":0.4139880239963531},{"text":"Thank you No so much for dramas. your time, mate, and Alright. I'll talk to you again soon. But if I don't hear from you, just keep an eye out for that mail. Yeah.","start_word":3551,"end_word":3584,"sentiment":"neutral","sentiment_score":0.0710390534471063},{"text":"Will do. Awesome, Alright. mate. Take it easy. Thanks a lot. Cheers. Bye Bye.","start_word":3585,"end_word":3598,"sentiment":"positive","sentiment_score":0.6376909613609314},{"text":"bye. Bye.","start_word":3599,"end_word":3600,"sentiment":"neutral","sentiment_score":0.2019859403371811}],"average":{"sentiment":"neutral","sentiment_score":0.06240263297083048}}}}