{"metadata":{"transaction_key":"deprecated","request_id":"019efd2d-320d-7c80-be06-1e2ffa4cad8a","sha256":"43e7d8003f223fc65e462084b3dedb27e4c771a88815bba4d3f2c2e9171fe174","created":"2026-06-25T05:07:40.259Z","duration":1650.6,"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":6325,"output_tokens":90},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":6929,"output_tokens":6942},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":6929,"output_tokens":468}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon. This is Dana. Hey. I wasn't sure. How's it going? Yep. No. That's all good. Oh, perfect. Awesome. Has he had a good day? He said it's been busy? Yeah. Oh, good. Love that. Love it. Awesome. Thank you so much. Yep. Ready when you are. Hi, Marshall. This is Dana. How are you this afternoon? Yeah. Very well. Thank you. Thanks for calling back. How's your day been? Yeah. No. That's absolutely fine. It's not a problem. And just to make things easier as well because I know it's the middle of the workday for you, but I also do work Monday to Thursday, like, later in the afternoon into the night as well. So I can always see your annual review around work hours if you need to as well. Okay? Easy. All good. Now we do normally send through your annual review pack with just some details attached regarding the documents that we go through. It's not you don't have to look at your emails if you don't have time or not able to, but what I'll do is I'll send the annual review pack through so it is in your email when you are able to look at it. But if you like, we'll just go through things today. I'll give you a bit of an update on what's happening with your super. I've had a bit of a look, and there is some advice I would like to maybe update for you as well. And then we'll just go through and update all of your circumstances. How does that sound? Fantastic. Is there anything specific that you wanted me to touch on or that you needed to ask as part of the annual review today? No? Yeah. Fantastic. All good. Do you happen to have a look at your your super very often? Yeah. Yep. No. That's okay. Yeah. No. That's okay. That's not a problem at all. We're just looking back at your last annual review. Your balance then was about $68,007.56 and 60¢ there. As of the June 17, when which is when we completed the documents here, your annual review is now up to sorry. Your our balance is now up to $89,029.15, and I'm just also updating as of today. So today, we have seen a little bit of a market pullback, so we're at $87.09 $3.01 today. So, look, your balance has definitely increased over the last year or so, which is fantastic to see. When I have a look at what has happened performance wise, in the last twelve months, essentially, net of fees, you've received a return of about 10.15 percent. So it is really good. Some people do prefer a dollar figure as opposed to a percentage, so I'd like to make sure I'm giving you that as well. But it essentially means that earnings out of the portfolio so gross and income has averaged about $9,709.23 for the last twelve months. So with what's been happening globally with the war between The US and Iran and here in Australia having the higher inflationary rates as well, it's good to see you come out with a good solid return. And because you're in a growth portfolio, this sort of a portfolio is averaging trying to obtain around about a seven to 9% return. So a 10.15% return is actually outperforming what we're expecting out of the portfolio for the year. So it's good to see. Yeah. As I currently just mentioned before, I do wanna do a little bit of advice for you. So I've had a bit of a look at your investments, how they're structured, and what's been happening with them. Your portfolio has done well. You are up for the year, but I can see one investment that is underperforming a little bit, and that's having a bit of an effect on your portfolio. So I would like to, if you're comfortable with me, maybe swapping that out for you. I'm not sure if you've had a look and seen, but you do have the Benelon concentrated Australian equities investment in your portfolio. And that is the one there that is sort of holding back a little bit. When we consider that against the Aussie market, it's actually underperforming pretty significantly, whereas the Aussie market, while it's had the ups and downs this year, it actually is still performing quite well and is seeing an increase. So the underperformance with Bannalong has actually got more to do with the investment rather than the market concerns itself. So if you're comfortable, I would love to go back and just maybe do a bit of an investment switch and look at updating the portfolio for you and just remove the underperforming investment. Does that sound okay? Yep. Fantastic. Now one of the things I do like to clarify when I am doing the switches and readjusting the portfolio. Essentially, Banner Long is more of an actively managed fund. Now having a look at where you are, your stage in life, you're still very young. You've got a lot of time ahead of you. It's a good thing and, you know, annoying. We have a lot of working life ahead of us, but at the same time, it's at the same time, it's a good thing because it means we have a lot of compounding ahead of us as well when it comes to our safety and the investments. Essentially, we've done a long I can look to replace that with another actively managed fund if you like. Generally, in an actively managed fund, the fund manager is trying to buy and sell and outperform against the market. They're trying to time the market. And when you look at investment fees, it can be a little bit higher to have that kind of active management in your portfolio. Alternatively, if you like, I can look at an investment that might be a bit cheaper, save you on fees, keep more money invested in your super, still performing just as well, and making sure we're diversifying as much as we can, but just sort of trying to save a little bit of fees in the meantime. Which way would you like me to go? Sorry. Yeah. Yeah. Definitely. I've got a couple of different options that we can utilize. And, look, honestly, with your balance, one of the hardest things when we're starting to get our super up and working is we slug it out to get the money in and to get the super balance up over that sort of $253,100,000 dollar mark. Once it hits that mark, the compounding is so much bigger, and it actually tends to build a lot faster. So if we can save some fees in your portfolio now, keep the diversification and keep the super working as hard as it can, we'll get up to that mark pretty quickly there. So if you like, I'll go back and review the investments, have a look at how things are structured. I'll have a look at whether any rebalancing needs to occur in your portfolio or whether there's maybe some different way of restructuring some of the investments, and I'll come back and update the advice. I'll go through that with you if you're okay with that, And then you get to decide whether you take the advice or not. How does that sound? Yeah. Beautiful. All good. Well, I'm happy to see your portfolio is doing well, but we wanna make sure it continues to do well. So reviewing those investments and updating them every so often is definitely important as part of the structured advice and making sure we're working towards your goals. Okay. Excellent. All good. Now I can see also here, looking at the insurance side of things, so you do have with your Neos life there, you've got some life, some TPD, and some income protection. Your life cover, you currently have the sum insured of 1,487,508. In the event of, say, you passing away and I'm just having a look. So you're looking at your circumstances. You're married and you've got two kids at home. Is that right? Or one child. Sorry. Two kids now. Beautiful. Excellent. So in the event, let's say, something occurring and you passed me away prematurely, obviously, your life insurance is paid out, and I believe you've got your spouse here as your beneficiary on that one, so Rebecca. She would receive that $11,487,508, but then your super balance can also be paid out on top of that. Do you feel like that is a comfortable level of cover? Did you wanna look at reviewing that at all? Yep. Yep. Beautiful. And then with TBD, that's obviously a total time of disability. So it pays out either a lump sum benefit or an income stream if you're unable to ever go back to work again. You do have the exact amount the same amount of TBD as life. Now I do like to make sure I'm giving you some information. So just so you're fully aware, if TBD was claimed successfully and you're under the age of 60, it does unfortunately mean that taxes applied to to the benefit. So it means the amount that you're insured for isn't necessarily the amount that you would get. However, as advisers, if you do happen to claim CBD, we will help you with the claim, and then we'll also provide advice on how best to structure and how to limit the tax and how to make the best out of that. And we can also look to access your super under the permanent incapacity as well. So there's an extra benefit that you could also have paid out. I know, unfortunately, the tax component isn't great, but as I said, we would try to limit that as much possible. But do you feel comfortable with the level of TBD you have at the moment being at that 1,400,000, or did you wanna maybe look at reviewing that and assess, you know, a better lump sum? Yeah. That's okay. I'm not sure if anyone's kinda gone through how CBD works for the tax implications around any of that, but did you have any questions? I didn't want us to bombard you with information and not allow you to ask any questions around it. Easy. All good. If you ever do have questions or wanted to kind of run through things more than that, please let me know. I think I personally disagree with it. I think if you're incapacitated or disabled, the last thing the government should be doing is charging you tax. I think that is disgraceful. Oh, absolutely. With the income protection benefit you do have here as well. So it does cover a monthly benefit amount pretax of 5,099. I've got your income here as about 80,000 per annum. Is that right? Yep. Beautiful. Are you due for an increase on that this yes. Okay. No. That's absolutely fine, and congratulations on the increase. It's well deserved. So so with the benefit amount, to cover you for up to 70% of your current income at 85,000 per annum, we would need to cover you for a monthly benefit of 4,958 and 33¢. So with your income protection, it does show you're a little bit over insured at the moment. However, that amount could still be applicable if you've got an increase coming in the next few months. If, you know, you get additional bonuses and things like that on a regular basis, you could be able to claim that higher amount. If you did look to reduce your income protection benefit back. It does make the cost a little bit cheaper in saying that if you then had to increase it back, we have to go to another application. So do you feel comfortable leaving your income protection benefit at the amount that it is, or did you wanna look at reducing that a little bit? Yep. Yep. Yeah. Well, the good thing about the way these are structured is we do also have the inflation benefit in there. So it does mean that every year that these insurance premiums go through their renewal process, they're gonna increase along with CPI. So it does mean that the policy the cost of the policy increases, but it also means the policy itself increases as well. And these kinds of increases are really beneficial because it's basically, like, a little increase to the policy without any additional underwriting. And because our health can change as they get older, I'm sure you're beautiful and healthy, but some people, we do find their health does deteriorate. They end up with back issues, leg issues, and things like that. And when we increase or change an insurance application, if there's any preexisting conditions, they are generally excluded from the policy. So keeping these increases along with CPI each year is kind of beneficial because they're not underwritten, and the policy just kinda keeps increasing the idea of income protection. You wanna make sure it increases along with your wage increases. Sometimes it increases more than wages, but having a little bit more protection there both, you know, if you have been a claim, you might not be able to claim the entire amount. It does mean you're more likely to get the amount you need rather than being underinsured at the same time. Does that make sense? Yeah. Beautiful. So I'll leave that as it is. You've got a four week waiting period and a five year benefit period. They're pretty stock standard, essentially. You just have to be off work for a four weeks prior to making your claim, and you can be on a claim for up to five years as well. Do you have any questions about income protection, how it works, or with the benefit of waiting periods at all? Easy. It does look like you don't have any external other insurances like trauma. And because you do have kids, you can also access other insurances like child trauma. Trauma and child trauma tend to pay out, like, a lump sum tax rate benefit in the event that you say yourself or your kids are diagnosed with, say, a major illness like cancer, the the adult trauma, heart attack, strokes, Parkinson's, things like that, for all these sorts of trauma covers insurances. Sorry. Cancer seems to be the biggest one that it does tend to pay out on. Unlike life, t to d income protection, you can't actually hold trauma or child trauma inside super. They are all paid out of your back pocket. So it is kinda dependent upon whether you've got excess cash flow. And with the cost of living at the moment, it does get kinda difficult to pay for external covers there, but I do have to kinda go through and just explain the differences and what you do have available to you. But did you wanna look at getting any extra trauma policies or any other insurances happy with what you've got there? Yep. No. Absolutely. Yeah. No. That's okay. If you ever wanna discuss those in more detail, let me know. It's honestly not a problem at all. At the end of the day, we can only we can make the recommendations, and we can provide you with the information. But you're the only one that knows what's right for you, so that's absolutely fine. Easy. So that's the insurances and the super stuff, which is fantastic. I've increased your wage on the system here as well. Just double checking as well with your assets and liabilities. So with your main primary residence, sir, we had an asset value of about 2,000,000 last year, and you don't have a loan on that property. Is that right? Yep. Beautiful. Asset value, would you change that, or do you think it's still around the 2,000,000 month? Yeah. That's okay. Yeah. Perfect. There we go. Excellent. And then I've also got your investment property down there as well. It was valued at 1,300,000 last year, and you owed about 58,000 on the interest only loan. Sorry. 58,000. Okay. There's an extra zero missing from there, so let me pop that in. I thought, wow. That is a really good loan. Must be very good at saving. No. That's absolutely. You'd have more for investment properties. No. Perfect. And and we also had a goal last year that you're looking to maybe buy another investment property. Have you purchased a secondary one, or is it still just the one? Just the one. Yep. Perfect. And that's still interest only? Yeah. Beautiful. How long is the interest only for, or when does the interest only come off term? For you. Yep. Beautiful. Fantastic. And with the investment property, what's the kind of long term goal? Are you just wanting to hold that until, let's say, doubles in value and planning to sell? Or do you wanna hold that into retirement and maybe supplement super with the income aspect? Have you thought about what you wanna do long term? Yep. Yeah. Perfect. Excellent. And any plans to buy any more investment properties on the track as well? K. No. That's okay. Probably waiting to see what happens with the legislation and what comes into play next year. That'll have a huge effect on what we all decide to do. I was lucky I I have one, and then when this came into effect, I was in the process of looking for a second one. I was like, you know what? I think I'll hold up and see what happens as to how we sort of move forward with that because, yeah, it could go either way at this point. Absolutely. I have your car down here as well. A rough asset value of 15,000. What kind of car do you drive? Yeah. Fantastic. They're very popular. Is it a good car you like it? Yes. Sorry. Absolutely. And what's it about you do you think you'd put on that one at the moment? 10,000. Yeah. Perfect. And do you guys have a secondary vehicle at all? That's okay. If you had to sell that, what kind of value do you think it's one for? What would you sell it for? 2,000? Yeah. Fantastic. Excellent. And I've got down here you've got some crypto. Do you still have that crypto? Beautiful. Yeah. I had 15,000 here at the moment. What is it valued at the moment, do you reckon? Yeah. You're right. Okay. Perfect. $18,600. Excellent. Well, that's up on lastly. That's fantastic. And, oh, good. Just sort of also looking at your expenditure, are you managing to put much away in the way of savings at the moment, or is everything just kinda going to bills expenditure? Yep. Yep. Yep. Perfect. Excellent. And I've got down here your employment contributions are going in. Are you open to adding any more, like, additional contributions in the super to kind of provide that boost, or are you preferring not to at the moment just focusing on your investments outside of super and family life? Not yet? Yeah. That's absolutely fine. That's not a problem at all. All good. The other thing to sorta have a look at is I've got down here that so I'm just double checking the last file. I don't have a record of having a will or power of attorney. Have you ever drawn up a will or had us look to the draw up a will and power of attorney? Yeah. No. That's okay. Is it something that you and Rebecca have discussed about or what they're doing? No. That's okay. We do like to just double check the question because we make sure to have beneficiary nominations on file for your super so that in the event that you passed away, your super and your life insurance is directed to where you want it to go. But it's also important to make sure, especially with a young family, your investment properties, and everything that you've worked so hard for, that having your will and the power of attorney done up can provide extra security. Without those sorts of things, if you pass away, even though majority of things should just go straight to your wife, essentially, things do still have to go through a probate process. So it may mean that people from your past can come forward and stake a claim. There's no guarantee they will get anything, but it can just make that process a little bit harder on your family. And as part of your estate planning with having young children as well, Setting up a guardianship. So in the event that something happens to yourself and your wife, your kids are looked after, you can set up a trust and have money directed to the trust of the kids and, yeah, make sure everything's set up to look after them down the track as well. So those are the things that it's really important to have that conversation with your wife and sort of talk it out. And what what if something happened to us? It's a really hard conversation to have and not something any of us wanna think about. But, unfortunately, in our industry, we see these sorts of things occur on a regular basis. And, you know, often without having any estate planning set up, it's a it is a very difficult time for families and very stressful. So we do just like to, as part of the review, just go through, ask the questions, and just, you know, reiterate the importance of having that conversation and drafting up a will and having either a will kicked on up. You can buy them from the post office. It's cheap. It's about $30 at the moment. Or you can also go to I know in New South Wales here, we have, like, RMS, so roads and maritime services, like the transport. It's part of the government, and they do help organize wills and will kits and things like that fairly cheaply. Or if you wanted to, my team could just email through some information on a local solicitor just sort of giving you a bit of costing to start the conversation there for you. Yeah. Did you want us to send through some details just to kind of give you some information on a local solicitor or just about the estate planning side of things, or you're comfortable with this, please? Yep. Yep. That's all good. That's all good. Other than that, just sort of going through so I just also filled out majority of the risk profile for you. Obviously, you do have that cryptocurrency there. You've got a lot of time ahead of you. Just sort of looking at how, you know, investments are structured with what's happening in the market at the moment. If you did happen to see the markets fall in the next, say, year or two and the market fell by 20%. How do you think you might be feeling? Do you think you might be seeing it as an investment opportunity, a bit excited to put some money in, calling us a bit concerned and seeing what happens, or really anxious about it and maybe wanting to move your money to a more secure asset? How do you think you might feel? Yeah. Perfect. Yep. Yep. Absolutely. Especially in the time frame you've got available to you before accessing super. So absolutely. That's a really good answer. Have you ever thought about borrowing in order to invest in, say, investments like shares or managed funds, or do you only ever consider borrowing comfortable for, say, buying property? Just for the property and the investments that you got. Yep. Yeah. Absolutely. Fantastic. So having a look through there now, you did just score as a growth investor. So you are on that growth portfolio at the moment, which is at eighty twenty split to 80% growth investments like Australian equities, international equities, listed property, and also commodities like gold and silver. And then we generally see that 20 in low risk defensive investments, so things like cash, bonds, and fixed interest. It's all part of diversifying your investments and making sure we spread the risk level as far as possible over your investments to mitigate as much market risk as possible, as humanly possible at least, without trumping our back pocket. It's a bit hard. But this sort of portfolio does fit your time horizon. It suits someone who has about six years before accessing their investments, so super you have more than that time horizon ahead of you. And we are sort of averaging an expected return of about seven to 9% there compounding that over time, and we can expect negative years, say, one in every six years there. But, realistically, your time horizon, your risk capacity, and your tolerance, this portfolio does generally suit where you are. Are you comfortable staying in that kind of environment for now? Yep. Beautiful. Excellent. As I kinda mentioned before, I've sent that annual review pack to you. It does have all the documents I've gone through with regards to your insurance with your super, a rundown of the investment portfolio as well and how all the individual investments have performed. It's also got the financial services guide attached, which has all the information on myself as a licensed adviser and Access OQ Financial and your ongoing service agreement as well. So if you're happy to stay on board as a client, we'll get you to sign and return that back for me. In the meantime, do you have any other questions? So is there anything I maybe have not touched on that you wanted to talk about, or is there any additional questions come from anything I've gone through? Yep. Oh, all good. Well, what I'll do is to go back is I'll go back and just do some research on the investment side of things for you. Once we do have that all sorted, my team will book you back in. We'll just go back and review the investments you have, look at all the other options for investments, and look at a portfolio that's gonna work harder for you, hopefully save you some money as well, and show you what that looks like over the next sort of five to ten years projected for you. Does that sound all cool Oh, okay. Sorry. Your tongue tied. I apologize. Oh, good, Michael. Well, look, I will let you go. I know you are busy, but I appreciate you calling me back and going through that one. If you find you have any questions, don't ever hesitate to give me a buzz. Okay? That's okay. You enjoy the rest of your day. Thanks. See you later. 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afternoon. This is Dana. Hey. I wasn't sure. How's it going?\n\nYep. No. That's all good. Oh, perfect. Awesome.\n\nHas he had a good day? He said it's been busy? Yeah. Oh, good. Love that.\n\nLove it. Awesome. Thank you so much. Yep. Ready when you are.\n\nHi, Marshall. This is Dana. How are you this afternoon? Yeah. Very well.\n\nThank you. Thanks for calling back. How's your day been? Yeah. No.\n\nThat's absolutely fine. It's not a problem. And just to make things easier as well because I know it's the middle of the workday for you, but I also do work Monday to Thursday, like, later in the afternoon into the night as well. So I can always see your annual review around work hours if you need to as well. Okay?\n\nEasy. All good. Now we do normally send through your annual review pack with just some details attached regarding the documents that we go through. It's not you don't have to look at your emails if you don't have time or not able to, but what I'll do is I'll send the annual review pack through so it is in your email when you are able to look at it. But if you like, we'll just go through things today.\n\nI'll give you a bit of an update on what's happening with your super. I've had a bit of a look, and there is some advice I would like to maybe update for you as well. And then we'll just go through and update all of your circumstances. How does that sound? Fantastic.\n\nIs there anything specific that you wanted me to touch on or that you needed to ask as part of the annual review today? No? Yeah. Fantastic. All good.\n\nDo you happen to have a look at your your super very often? Yeah. Yep. No. That's okay.\n\nYeah. No. That's okay. That's not a problem at all. We're just looking back at your last annual review.\n\nYour balance then was about $68,007.56 and 60¢ there. As of the June 17, when which is when we completed the documents here, your annual review is now up to sorry. Your our balance is now up to $89,029.15, and I'm just also updating as of today. So today, we have seen a little bit of a market pullback, so we're at $87.09 $3.01 today. So, look, your balance has definitely increased over the last year or so, which is fantastic to see.\n\nWhen I have a look at what has happened performance wise, in the last twelve months, essentially, net of fees, you've received a return of about 10.15 percent. So it is really good. Some people do prefer a dollar figure as opposed to a percentage, so I'd like to make sure I'm giving you that as well. But it essentially means that earnings out of the portfolio so gross and income has averaged about $9,709.23 for the last twelve months. So with what's been happening globally with the war between The US and Iran and here in Australia having the higher inflationary rates as well, it's good to see you come out with a good solid return.\n\nAnd because you're in a growth portfolio, this sort of a portfolio is averaging trying to obtain around about a seven to 9% return. So a 10.15% return is actually outperforming what we're expecting out of the portfolio for the year. So it's good to see. Yeah. As I currently just mentioned before, I do wanna do a little bit of advice for you.\n\nSo I've had a bit of a look at your investments, how they're structured, and what's been happening with them. Your portfolio has done well. You are up for the year, but I can see one investment that is underperforming a little bit, and that's having a bit of an effect on your portfolio. So I would like to, if you're comfortable with me, maybe swapping that out for you. I'm not sure if you've had a look and seen, but you do have the Benelon concentrated Australian equities investment in your portfolio.\n\nAnd that is the one there that is sort of holding back a little bit. When we consider that against the Aussie market, it's actually underperforming pretty significantly, whereas the Aussie market, while it's had the ups and downs this year, it actually is still performing quite well and is seeing an increase. So the underperformance with Bannalong has actually got more to do with the investment rather than the market concerns itself. So if you're comfortable, I would love to go back and just maybe do a bit of an investment switch and look at updating the portfolio for you and just remove the underperforming investment. Does that sound okay?\n\nYep. Fantastic. Now one of the things I do like to clarify when I am doing the switches and readjusting the portfolio. Essentially, Banner Long is more of an actively managed fund. Now having a look at where you are, your stage in life, you're still very young.\n\nYou've got a lot of time ahead of you. It's a good thing and, you know, annoying. We have a lot of working life ahead of us, but at the same time, it's at the same time, it's a good thing because it means we have a lot of compounding ahead of us as well when it comes to our safety and the investments. Essentially, we've done a long I can look to replace that with another actively managed fund if you like. Generally, in an actively managed fund, the fund manager is trying to buy and sell and outperform against the market.\n\nThey're trying to time the market. And when you look at investment fees, it can be a little bit higher to have that kind of active management in your portfolio. Alternatively, if you like, I can look at an investment that might be a bit cheaper, save you on fees, keep more money invested in your super, still performing just as well, and making sure we're diversifying as much as we can, but just sort of trying to save a little bit of fees in the meantime. Which way would you like me to go? Sorry.\n\nYeah. Yeah. Definitely. I've got a couple of different options that we can utilize. And, look, honestly, with your balance, one of the hardest things when we're starting to get our super up and working is we slug it out to get the money in and to get the super balance up over that sort of $253,100,000 dollar mark.\n\nOnce it hits that mark, the compounding is so much bigger, and it actually tends to build a lot faster. So if we can save some fees in your portfolio now, keep the diversification and keep the super working as hard as it can, we'll get up to that mark pretty quickly there. So if you like, I'll go back and review the investments, have a look at how things are structured. I'll have a look at whether any rebalancing needs to occur in your portfolio or whether there's maybe some different way of restructuring some of the investments, and I'll come back and update the advice. I'll go through that with you if you're okay with that, And then you get to decide whether you take the advice or not.\n\nHow does that sound? Yeah. Beautiful. All good. Well, I'm happy to see your portfolio is doing well, but we wanna make sure it continues to do well.\n\nSo reviewing those investments and updating them every so often is definitely important as part of the structured advice and making sure we're working towards your goals. Okay. Excellent. All good. Now I can see also here, looking at the insurance side of things, so you do have with your Neos life there, you've got some life, some TPD, and some income protection.\n\nYour life cover, you currently have the sum insured of 1,487,508. In the event of, say, you passing away and I'm just having a look. So you're looking at your circumstances. You're married and you've got two kids at home. Is that right?\n\nOr one child. Sorry. Two kids now. Beautiful. Excellent.\n\nSo in the event, let's say, something occurring and you passed me away prematurely, obviously, your life insurance is paid out, and I believe you've got your spouse here as your beneficiary on that one, so Rebecca. She would receive that $11,487,508, but then your super balance can also be paid out on top of that. Do you feel like that is a comfortable level of cover? Did you wanna look at reviewing that at all? Yep.\n\nYep. Beautiful. And then with TBD, that's obviously a total time of disability. So it pays out either a lump sum benefit or an income stream if you're unable to ever go back to work again. You do have the exact amount the same amount of TBD as life.\n\nNow I do like to make sure I'm giving you some information. So just so you're fully aware, if TBD was claimed successfully and you're under the age of 60, it does unfortunately mean that taxes applied to to the benefit. So it means the amount that you're insured for isn't necessarily the amount that you would get. However, as advisers, if you do happen to claim CBD, we will help you with the claim, and then we'll also provide advice on how best to structure and how to limit the tax and how to make the best out of that. And we can also look to access your super under the permanent incapacity as well.\n\nSo there's an extra benefit that you could also have paid out. I know, unfortunately, the tax component isn't great, but as I said, we would try to limit that as much possible. But do you feel comfortable with the level of TBD you have at the moment being at that 1,400,000, or did you wanna maybe look at reviewing that and assess, you know, a better lump sum? Yeah. That's okay.\n\nI'm not sure if anyone's kinda gone through how CBD works for the tax implications around any of that, but did you have any questions? I didn't want us to bombard you with information and not allow you to ask any questions around it. Easy. All good. If you ever do have questions or wanted to kind of run through things more than that, please let me know.\n\nI think I personally disagree with it. I think if you're incapacitated or disabled, the last thing the government should be doing is charging you tax. I think that is disgraceful. Oh, absolutely. With the income protection benefit you do have here as well.\n\nSo it does cover a monthly benefit amount pretax of 5,099. I've got your income here as about 80,000 per annum. Is that right? Yep. Beautiful.\n\nAre you due for an increase on that this yes. Okay. No. That's absolutely fine, and congratulations on the increase. It's well deserved.\n\nSo so with the benefit amount, to cover you for up to 70% of your current income at 85,000 per annum, we would need to cover you for a monthly benefit of 4,958 and 33¢. So with your income protection, it does show you're a little bit over insured at the moment. However, that amount could still be applicable if you've got an increase coming in the next few months. If, you know, you get additional bonuses and things like that on a regular basis, you could be able to claim that higher amount. If you did look to reduce your income protection benefit back.\n\nIt does make the cost a little bit cheaper in saying that if you then had to increase it back, we have to go to another application. So do you feel comfortable leaving your income protection benefit at the amount that it is, or did you wanna look at reducing that a little bit? Yep. Yep. Yeah.\n\nWell, the good thing about the way these are structured is we do also have the inflation benefit in there. So it does mean that every year that these insurance premiums go through their renewal process, they're gonna increase along with CPI. So it does mean that the policy the cost of the policy increases, but it also means the policy itself increases as well. And these kinds of increases are really beneficial because it's basically, like, a little increase to the policy without any additional underwriting. And because our health can change as they get older, I'm sure you're beautiful and healthy, but some people, we do find their health does deteriorate.\n\nThey end up with back issues, leg issues, and things like that. And when we increase or change an insurance application, if there's any preexisting conditions, they are generally excluded from the policy. So keeping these increases along with CPI each year is kind of beneficial because they're not underwritten, and the policy just kinda keeps increasing the idea of income protection. You wanna make sure it increases along with your wage increases. Sometimes it increases more than wages, but having a little bit more protection there both, you know, if you have been a claim, you might not be able to claim the entire amount.\n\nIt does mean you're more likely to get the amount you need rather than being underinsured at the same time. Does that make sense? Yeah. Beautiful. So I'll leave that as it is.\n\nYou've got a four week waiting period and a five year benefit period. They're pretty stock standard, essentially. You just have to be off work for a four weeks prior to making your claim, and you can be on a claim for up to five years as well. Do you have any questions about income protection, how it works, or with the benefit of waiting periods at all? Easy.\n\nIt does look like you don't have any external other insurances like trauma. And because you do have kids, you can also access other insurances like child trauma. Trauma and child trauma tend to pay out, like, a lump sum tax rate benefit in the event that you say yourself or your kids are diagnosed with, say, a major illness like cancer, the the adult trauma, heart attack, strokes, Parkinson's, things like that, for all these sorts of trauma covers insurances. Sorry. Cancer seems to be the biggest one that it does tend to pay out on.\n\nUnlike life, t to d income protection, you can't actually hold trauma or child trauma inside super. They are all paid out of your back pocket. So it is kinda dependent upon whether you've got excess cash flow. And with the cost of living at the moment, it does get kinda difficult to pay for external covers there, but I do have to kinda go through and just explain the differences and what you do have available to you. But did you wanna look at getting any extra trauma policies or any other insurances happy with what you've got there?\n\nYep. No. Absolutely. Yeah. No.\n\nThat's okay. If you ever wanna discuss those in more detail, let me know. It's honestly not a problem at all. At the end of the day, we can only we can make the recommendations, and we can provide you with the information. But you're the only one that knows what's right for you, so that's absolutely fine.\n\nEasy. So that's the insurances and the super stuff, which is fantastic. I've increased your wage on the system here as well. Just double checking as well with your assets and liabilities. So with your main primary residence, sir, we had an asset value of about 2,000,000 last year, and you don't have a loan on that property.\n\nIs that right? Yep. Beautiful. Asset value, would you change that, or do you think it's still around the 2,000,000 month? Yeah.\n\nThat's okay. Yeah. Perfect. There we go. Excellent.\n\nAnd then I've also got your investment property down there as well. It was valued at 1,300,000 last year, and you owed about 58,000 on the interest only loan. Sorry. 58,000. Okay.\n\nThere's an extra zero missing from there, so let me pop that in. I thought, wow. That is a really good loan. Must be very good at saving. No.\n\nThat's absolutely. You'd have more for investment properties. No. Perfect. And and we also had a goal last year that you're looking to maybe buy another investment property.\n\nHave you purchased a secondary one, or is it still just the one? Just the one. Yep. Perfect. And that's still interest only?\n\nYeah. Beautiful. How long is the interest only for, or when does the interest only come off term? For you. Yep.\n\nBeautiful. Fantastic. And with the investment property, what's the kind of long term goal? Are you just wanting to hold that until, let's say, doubles in value and planning to sell? Or do you wanna hold that into retirement and maybe supplement super with the income aspect?\n\nHave you thought about what you wanna do long term? Yep. Yeah. Perfect. Excellent.\n\nAnd any plans to buy any more investment properties on the track as well? K. No. That's okay. Probably waiting to see what happens with the legislation and what comes into play next year.\n\nThat'll have a huge effect on what we all decide to do. I was lucky I I have one, and then when this came into effect, I was in the process of looking for a second one. I was like, you know what? I think I'll hold up and see what happens as to how we sort of move forward with that because, yeah, it could go either way at this point. Absolutely.\n\nI have your car down here as well. A rough asset value of 15,000. What kind of car do you drive? Yeah. Fantastic.\n\nThey're very popular. Is it a good car you like it? Yes. Sorry. Absolutely.\n\nAnd what's it about you do you think you'd put on that one at the moment? 10,000. Yeah. Perfect. And do you guys have a secondary vehicle at all?\n\nThat's okay. If you had to sell that, what kind of value do you think it's one for? What would you sell it for? 2,000? Yeah.\n\nFantastic. Excellent. And I've got down here you've got some crypto. Do you still have that crypto? Beautiful.\n\nYeah. I had 15,000 here at the moment. What is it valued at the moment, do you reckon? Yeah. You're right.\n\nOkay. Perfect. $18,600. Excellent. Well, that's up on lastly.\n\nThat's fantastic. And, oh, good. Just sort of also looking at your expenditure, are you managing to put much away in the way of savings at the moment, or is everything just kinda going to bills expenditure? Yep. Yep.\n\nYep. Perfect. Excellent. And I've got down here your employment contributions are going in. Are you open to adding any more, like, additional contributions in the super to kind of provide that boost, or are you preferring not to at the moment just focusing on your investments outside of super and family life?\n\nNot yet? Yeah. That's absolutely fine. That's not a problem at all. All good.\n\nThe other thing to sorta have a look at is I've got down here that so I'm just double checking the last file. I don't have a record of having a will or power of attorney. Have you ever drawn up a will or had us look to the draw up a will and power of attorney? Yeah. No.\n\nThat's okay. Is it something that you and Rebecca have discussed about or what they're doing? No. That's okay. We do like to just double check the question because we make sure to have beneficiary nominations on file for your super so that in the event that you passed away, your super and your life insurance is directed to where you want it to go.\n\nBut it's also important to make sure, especially with a young family, your investment properties, and everything that you've worked so hard for, that having your will and the power of attorney done up can provide extra security. Without those sorts of things, if you pass away, even though majority of things should just go straight to your wife, essentially, things do still have to go through a probate process. So it may mean that people from your past can come forward and stake a claim. There's no guarantee they will get anything, but it can just make that process a little bit harder on your family. And as part of your estate planning with having young children as well, Setting up a guardianship.\n\nSo in the event that something happens to yourself and your wife, your kids are looked after, you can set up a trust and have money directed to the trust of the kids and, yeah, make sure everything's set up to look after them down the track as well. So those are the things that it's really important to have that conversation with your wife and sort of talk it out. And what what if something happened to us? It's a really hard conversation to have and not something any of us wanna think about. But, unfortunately, in our industry, we see these sorts of things occur on a regular basis.\n\nAnd, you know, often without having any estate planning set up, it's a it is a very difficult time for families and very stressful. So we do just like to, as part of the review, just go through, ask the questions, and just, you know, reiterate the importance of having that conversation and drafting up a will and having either a will kicked on up. You can buy them from the post office. It's cheap. It's about $30 at the moment.\n\nOr you can also go to I know in New South Wales here, we have, like, RMS, so roads and maritime services, like the transport. It's part of the government, and they do help organize wills and will kits and things like that fairly cheaply. Or if you wanted to, my team could just email through some information on a local solicitor just sort of giving you a bit of costing to start the conversation there for you. Yeah. Did you want us to send through some details just to kind of give you some information on a local solicitor or just about the estate planning side of things, or you're comfortable with this, please?\n\nYep. Yep. That's all good. That's all good. Other than that, just sort of going through so I just also filled out majority of the risk profile for you.\n\nObviously, you do have that cryptocurrency there. You've got a lot of time ahead of you. Just sort of looking at how, you know, investments are structured with what's happening in the market at the moment. If you did happen to see the markets fall in the next, say, year or two and the market fell by 20%. How do you think you might be feeling?\n\nDo you think you might be seeing it as an investment opportunity, a bit excited to put some money in, calling us a bit concerned and seeing what happens, or really anxious about it and maybe wanting to move your money to a more secure asset? How do you think you might feel? Yeah. Perfect. Yep.\n\nYep. Absolutely. Especially in the time frame you've got available to you before accessing super. So absolutely. That's a really good answer.\n\nHave you ever thought about borrowing in order to invest in, say, investments like shares or managed funds, or do you only ever consider borrowing comfortable for, say, buying property? Just for the property and the investments that you got. Yep. Yeah. Absolutely.\n\nFantastic. So having a look through there now, you did just score as a growth investor. So you are on that growth portfolio at the moment, which is at eighty twenty split to 80% growth investments like Australian equities, international equities, listed property, and also commodities like gold and silver. And then we generally see that 20 in low risk defensive investments, so things like cash, bonds, and fixed interest. It's all part of diversifying your investments and making sure we spread the risk level as far as possible over your investments to mitigate as much market risk as possible, as humanly possible at least, without trumping our back pocket.\n\nIt's a bit hard. But this sort of portfolio does fit your time horizon. It suits someone who has about six years before accessing their investments, so super you have more than that time horizon ahead of you. And we are sort of averaging an expected return of about seven to 9% there compounding that over time, and we can expect negative years, say, one in every six years there. But, realistically, your time horizon, your risk capacity, and your tolerance, this portfolio does generally suit where you are.\n\nAre you comfortable staying in that kind of environment for now? Yep. Beautiful. Excellent. As I kinda mentioned before, I've sent that annual review pack to you.\n\nIt does have all the documents I've gone through with regards to your insurance with your super, a rundown of the investment portfolio as well and how all the individual investments have performed. It's also got the financial services guide attached, which has all the information on myself as a licensed adviser and Access OQ Financial and your ongoing service agreement as well. So if you're happy to stay on board as a client, we'll get you to sign and return that back for me. In the meantime, do you have any other questions? So is there anything I maybe have not touched on that you wanted to talk about, or is there any additional questions come from anything I've gone through?\n\nYep. Oh, all good. Well, what I'll do is to go back is I'll go back and just do some research on the investment side of things for you. Once we do have that all sorted, my team will book you back in. We'll just go back and review the investments you have, look at all the other options for investments, and look at a portfolio that's gonna work harder for you, hopefully save you some money as well, and show you what that looks like over the next sort of five to ten years projected for you.\n\nDoes that sound all cool Oh, okay. Sorry. Your tongue tied. I apologize. Oh, good, Michael.\n\nWell, look, I will let you go. I know you are busy, but I appreciate you calling me back and going through that one. If you find you have any questions, don't ever hesitate to give me a buzz. Okay? That's okay.\n\nYou enjoy the rest of your day. Thanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":0.79999995,"end":1.52,"sentiment":"neutral","sentiment_score":0.2213076800107956},{"text":"This is Dana.","start":1.52,"end":2.34,"sentiment":"neutral","sentiment_score":0.12219237039486568},{"text":"Hey.","start":4.7999997,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.00817872304469347},{"text":"I wasn't sure.","start":6.08,"end":7.14,"sentiment":"neutral","sentiment_score":-0.01928499372055133},{"text":"How's it going?","start":7.9199996,"end":8.82,"sentiment":"neutral","sentiment_score":-0.03328192296127478}],"sentiment":"neutral","sentiment_score":0.05497253701711694,"num_words":12,"start":0.79999995,"end":8.82},{"sentences":[{"text":"Yep.","start":14.225,"end":14.725,"sentiment":"neutral","sentiment_score":-0.007895039394497871},{"text":"No.","start":15.265,"end":15.505,"sentiment":"neutral","sentiment_score":-0.01380177028477192},{"text":"That's all good.","start":15.505,"end":16.485,"sentiment":"neutral","sentiment_score":0.15715723236401877},{"text":"Oh, perfect.","start":21.025,"end":21.825,"sentiment":"positive","sentiment_score":0.5132459998130798},{"text":"Awesome.","start":21.825,"end":22.305,"sentiment":"positive","sentiment_score":0.5654181241989136}],"sentiment":"neutral","sentiment_score":0.25521062640473247,"num_words":8,"start":14.225,"end":22.305},{"sentences":[{"text":"Has he had a good day?","start":22.305,"end":23.505001,"sentiment":"neutral","sentiment_score":0.31968121230602264},{"text":"He said it's been busy?","start":23.505001,"end":24.965,"sentiment":"neutral","sentiment_score":-0.007087419740855694},{"text":"Yeah.","start":27.35,"end":27.85,"sentiment":"neutral","sentiment_score":0.16397348046302795},{"text":"Oh, good.","start":29.27,"end":30.01,"sentiment":"positive","sentiment_score":0.40553539991378784},{"text":"Love that.","start":30.070002,"end":30.710001,"sentiment":"positive","sentiment_score":0.5618583261966705}],"sentiment":"neutral","sentiment_score":0.24883819423848763,"num_words":16,"start":22.305,"end":30.710001},{"sentences":[{"text":"Love it.","start":30.710001,"end":31.45,"sentiment":"positive","sentiment_score":0.6327144801616669},{"text":"Awesome.","start":31.59,"end":32.09,"sentiment":"positive","sentiment_score":0.6296420097351074},{"text":"Thank you so much.","start":32.23,"end":33.53,"sentiment":"positive","sentiment_score":0.564131885766983},{"text":"Yep.","start":36.71,"end":37.21,"sentiment":"neutral","sentiment_score":0.045822978019714355},{"text":"Ready when you are.","start":37.27,"end":38.57,"sentiment":"neutral","sentiment_score":0.050428871531039476}],"sentiment":"positive","sentiment_score":0.3665947481058538,"num_words":12,"start":30.710001,"end":38.57},{"sentences":[{"text":"Hi, Marshall.","start":45.555,"end":46.115,"sentiment":"neutral","sentiment_score":0.10583103075623512},{"text":"This is Dana.","start":46.115,"end":46.755,"sentiment":"neutral","sentiment_score":0.12870226303736368},{"text":"How are you this afternoon?","start":46.755,"end":47.975,"sentiment":"neutral","sentiment_score":0.1887914478778839},{"text":"Yeah.","start":50.675,"end":50.995003,"sentiment":"neutral","sentiment_score":0.14987286925315857},{"text":"Very well.","start":50.995003,"end":51.635002,"sentiment":"neutral","sentiment_score":0.31474998593330383}],"sentiment":"neutral","sentiment_score":0.17854607162567285,"num_words":13,"start":45.555,"end":51.635002},{"sentences":[{"text":"Thank you.","start":51.635002,"end":51.955,"sentiment":"positive","sentiment_score":0.36246323585510254},{"text":"Thanks for calling back.","start":51.955,"end":53.155,"sentiment":"positive","sentiment_score":0.4238826632499695},{"text":"How's your day been?","start":53.155,"end":54.375,"sentiment":"neutral","sentiment_score":0.13602501526474953},{"text":"Yeah.","start":57.379997,"end":57.879997,"sentiment":"neutral","sentiment_score":-0.06127958744764328},{"text":"No.","start":61.14,"end":61.539997,"sentiment":"neutral","sentiment_score":-0.03409520909190178}],"sentiment":"neutral","sentiment_score":0.23909853243579468,"num_words":12,"start":51.635002,"end":61.539997},{"sentences":[{"text":"That's absolutely fine.","start":61.539997,"end":63.059998,"sentiment":"neutral","sentiment_score":0.09390694151322047},{"text":"It's not a problem.","start":63.059998,"end":64.1,"sentiment":"neutral","sentiment_score":0.1929323971271515},{"text":"And just to make things easier as well because I know it's the middle of the workday for you, but I also do work Monday to Thursday, like, later in the afternoon into the night as well.","start":64.1,"end":73.185,"sentiment":"neutral","sentiment_score":0.0660130280900646},{"text":"So I can always see your annual review around work hours if you need to as well.","start":73.244995,"end":77.564995,"sentiment":"neutral","sentiment_score":0.09562257743057083},{"text":"Okay?","start":77.564995,"end":78.064995,"sentiment":"neutral","sentiment_score":0.08859053254127502}],"sentiment":"neutral","sentiment_score":0.08403398066518768,"num_words":62,"start":61.539997,"end":78.064995},{"sentences":[{"text":"Easy.","start":79.645,"end":80.145,"sentiment":"neutral","sentiment_score":0.254457950592041},{"text":"All good.","start":80.365,"end":81.085,"sentiment":"positive","sentiment_score":0.3495083153247833},{"text":"Now we do normally send through your annual review pack with just some details attached regarding the documents that we go through.","start":81.405,"end":87.509995,"sentiment":"neutral","sentiment_score":0.14604314585978334},{"text":"It's not you don't have to look at your emails if you don't have time or not able to, but what I'll do is I'll send the annual review pack through so it is in your email when you are able to look at it.","start":87.97,"end":97.729996,"sentiment":"neutral","sentiment_score":0.1244024760193295},{"text":"But if you like, we'll just go through things today.","start":97.729996,"end":99.99,"sentiment":"neutral","sentiment_score":0.09847678057849407}],"sentiment":"neutral","sentiment_score":0.1343662877101451,"num_words":80,"start":79.645,"end":99.99},{"sentences":[{"text":"I'll give you a bit of an update on what's happening with your super.","start":100.285,"end":103.085,"sentiment":"neutral","sentiment_score":0.1655931600502559},{"text":"I've had a bit of a look, and there is some advice I would like to maybe update for you as well.","start":103.085,"end":108.305,"sentiment":"neutral","sentiment_score":0.1605738733302463},{"text":"And then we'll just go through and update all of your circumstances.","start":108.525,"end":111.104996,"sentiment":"neutral","sentiment_score":0.11265737749636173},{"text":"How does that sound?","start":111.405,"end":112.545,"sentiment":"neutral","sentiment_score":0.10579423606395721},{"text":"Fantastic.","start":114.91,"end":115.41,"sentiment":"positive","sentiment_score":0.7178658246994019}],"sentiment":"neutral","sentiment_score":0.15743133496001083,"num_words":53,"start":100.285,"end":115.41},{"sentences":[{"text":"Is there anything specific that you wanted me to touch on or that you needed to ask as part of the annual review today?","start":115.47,"end":121.73,"sentiment":"neutral","sentiment_score":0.22944736015051603},{"text":"No?","start":124.67,"end":125.17,"sentiment":"neutral","sentiment_score":-0.06762772798538208},{"text":"Yeah.","start":127.085,"end":127.585,"sentiment":"neutral","sentiment_score":0.22729644179344177},{"text":"Fantastic.","start":128.205,"end":128.705,"sentiment":"positive","sentiment_score":0.5335710644721985},{"text":"All good.","start":129.085,"end":129.905,"sentiment":"positive","sentiment_score":0.3853673189878464}],"sentiment":"neutral","sentiment_score":0.2403693468920116,"num_words":29,"start":115.47,"end":129.905},{"sentences":[{"text":"Do you happen to have a look at your your super very often?","start":130.045,"end":133.66501,"sentiment":"neutral","sentiment_score":0.13800336191287407},{"text":"Yeah.","start":139.31999,"end":139.81999,"sentiment":"neutral","sentiment_score":0.01199141889810562},{"text":"Yep.","start":140.28,"end":140.78,"sentiment":"neutral","sentiment_score":0.014033643528819084},{"text":"No.","start":141.31999,"end":141.48,"sentiment":"neutral","sentiment_score":-0.04841599613428116},{"text":"That's okay.","start":141.48,"end":142.45999,"sentiment":"neutral","sentiment_score":-0.14609161764383316}],"sentiment":"neutral","sentiment_score":0.08219275199290779,"num_words":18,"start":130.045,"end":142.45999},{"sentences":[{"text":"Yeah.","start":145.31999,"end":145.72,"sentiment":"neutral","sentiment_score":0.0018990617245435717},{"text":"No.","start":145.72,"end":145.87999,"sentiment":"neutral","sentiment_score":-0.009569615125656128},{"text":"That's okay.","start":145.87999,"end":146.68,"sentiment":"neutral","sentiment_score":0.07581845670938492},{"text":"That's not a problem at all.","start":146.68,"end":148.36,"sentiment":"neutral","sentiment_score":0.22611779222885767},{"text":"We're just looking back at your last annual review.","start":148.36,"end":150.59999,"sentiment":"neutral","sentiment_score":0.09616147561205758}],"sentiment":"neutral","sentiment_score":0.1245329680999643,"num_words":19,"start":145.31999,"end":150.59999},{"sentences":[{"text":"Your balance then was about $68,007.56 and 60¢ there.","start":150.59999,"end":156.02501,"sentiment":"neutral","sentiment_score":0.06845473311841488},{"text":"As of the June 17, when which is when we completed the documents here, your annual review is now up to sorry.","start":156.02501,"end":164.10501,"sentiment":"neutral","sentiment_score":0.005202467891980301},{"text":"Your our balance is now up to $89,029.15, and I'm just also updating as of today.","start":164.10501,"end":170.62999,"sentiment":"neutral","sentiment_score":0.0967069452162832},{"text":"So today, we have seen a little bit of a market pullback, so we're at $87.09 $3.01 today.","start":170.62999,"end":176.17,"sentiment":"neutral","sentiment_score":0.04109942105909189},{"text":"So, look, your balance has definitely increased over the last year or so, which is fantastic to see.","start":176.23,"end":182.17,"sentiment":"positive","sentiment_score":0.5728267712725533}],"sentiment":"neutral","sentiment_score":0.16170822858537842,"num_words":83,"start":150.59999,"end":182.17},{"sentences":[{"text":"When I have a look at what has happened performance wise, in the last twelve months, essentially, net of fees, you've received a return of about 10.15 percent.","start":182.445,"end":193.16501,"sentiment":"neutral","sentiment_score":0.28422581564102856},{"text":"So it is really good.","start":193.16501,"end":194.785,"sentiment":"positive","sentiment_score":0.5533754706382752},{"text":"Some people do prefer a dollar figure as opposed to a percentage, so I'd like to make sure I'm giving you that as well.","start":196.33,"end":201.37,"sentiment":"neutral","sentiment_score":0.14578598830848932},{"text":"But it essentially means that earnings out of the portfolio so gross and income has averaged about $9,709.23 for the last twelve months.","start":201.37,"end":211.29,"sentiment":"neutral","sentiment_score":0.10667743250403715},{"text":"So with what's been happening globally with the war between The US and Iran and here in Australia having the higher inflationary rates as well, it's good to see you come out with a good solid return.","start":211.29,"end":222.045,"sentiment":"positive","sentiment_score":0.3859179076310751}],"sentiment":"neutral","sentiment_score":0.2645863883802269,"num_words":117,"start":182.445,"end":222.045},{"sentences":[{"text":"And because you're in a growth portfolio, this sort of a portfolio is averaging trying to obtain around about a seven to 9% return.","start":222.265,"end":229.9,"sentiment":"positive","sentiment_score":0.40759482234716415},{"text":"So a 10.15% return is actually outperforming what we're expecting out of the portfolio for the year.","start":229.9,"end":237.09999,"sentiment":"positive","sentiment_score":0.5313786127988029},{"text":"So it's good to see.","start":237.09999,"end":238.64,"sentiment":"positive","sentiment_score":0.5129769802093506},{"text":"Yeah.","start":241.235,"end":241.735,"sentiment":"neutral","sentiment_score":0.30031445622444153},{"text":"As I currently just mentioned before, I do wanna do a little bit of advice for you.","start":242.915,"end":246.83499,"sentiment":"neutral","sentiment_score":0.12715068415683858}],"sentiment":"positive","sentiment_score":0.37253864284139127,"num_words":64,"start":222.265,"end":246.83499},{"sentences":[{"text":"So I've had a bit of a look at your investments, how they're structured, and what's been happening with them.","start":246.83499,"end":251.875,"sentiment":"neutral","sentiment_score":0.07677761632949114},{"text":"Your portfolio has done well.","start":251.875,"end":253.555,"sentiment":"positive","sentiment_score":0.39610604047775266},{"text":"You are up for the year, but I can see one investment that is underperforming a little bit, and that's having a bit of an effect on your portfolio.","start":253.555,"end":261.29,"sentiment":"neutral","sentiment_score":-0.06122169823482119},{"text":"So I would like to, if you're comfortable with me, maybe swapping that out for you.","start":261.51,"end":266.71,"sentiment":"neutral","sentiment_score":-0.003335091460030526},{"text":"I'm not sure if you've had a look and seen, but you do have the Benelon concentrated Australian equities investment in your portfolio.","start":266.71,"end":273.66498,"sentiment":"neutral","sentiment_score":-0.04043988640541616}],"sentiment":"neutral","sentiment_score":0.008141660532082921,"num_words":93,"start":246.83499,"end":273.66498},{"sentences":[{"text":"And that is the one there that is sort of holding back a little bit.","start":274.44498,"end":278.38498,"sentiment":"neutral","sentiment_score":-0.16566902349392573},{"text":"When we consider that against the Aussie market, it's actually underperforming pretty significantly, whereas the Aussie market, while it's had the ups and downs this year, it actually is still performing quite well and is seeing an increase.","start":278.845,"end":291.07,"sentiment":"neutral","sentiment_score":-0.014780548940363684},{"text":"So the underperformance with Bannalong has actually got more to do with the investment rather than the market concerns itself.","start":291.07,"end":297.75497,"sentiment":"neutral","sentiment_score":-0.04612229196354747},{"text":"So if you're comfortable, I would love to go back and just maybe do a bit of an investment switch and look at updating the portfolio for you and just remove the underperforming investment.","start":298.375,"end":307.335,"sentiment":"neutral","sentiment_score":0.07188306469470263},{"text":"Does that sound okay?","start":307.335,"end":308.47498,"sentiment":"neutral","sentiment_score":0.08380881603807211}],"sentiment":"neutral","sentiment_score":-0.010719662951725023,"num_words":111,"start":274.44498,"end":308.47498},{"sentences":[{"text":"Yep.","start":310.91,"end":311.38998,"sentiment":"neutral","sentiment_score":0.1751776933670044},{"text":"Fantastic.","start":311.38998,"end":311.88998,"sentiment":"positive","sentiment_score":0.408372014760971},{"text":"Now one of the things I do like to clarify when I am doing the switches and readjusting the portfolio.","start":312.35,"end":317.01,"sentiment":"neutral","sentiment_score":0.0852521451190114},{"text":"Essentially, Banner Long is more of an actively managed fund.","start":317.55,"end":320.61,"sentiment":"neutral","sentiment_score":0.062085249461233616},{"text":"Now having a look at where you are, your stage in life, you're still very young.","start":320.99,"end":324.46503,"sentiment":"neutral","sentiment_score":0.029646475333720446}],"sentiment":"neutral","sentiment_score":0.07049559813458472,"num_words":48,"start":310.91,"end":324.46503},{"sentences":[{"text":"You've got a lot of time ahead of you.","start":324.46503,"end":326.325,"sentiment":"neutral","sentiment_score":-0.023485854268074036},{"text":"It's a good thing and, you know, annoying.","start":327.02502,"end":329.285,"sentiment":"neutral","sentiment_score":0.012740381062030792},{"text":"We have a lot of working life ahead of us, but at the same time, it's at the same time, it's a good thing because it means we have a lot of compounding ahead of us as well when it comes to our safety and the investments.","start":329.825,"end":341.66,"sentiment":"neutral","sentiment_score":0.26065870231770455},{"text":"Essentially, we've done a long I can look to replace that with another actively managed fund if you like.","start":342.91998,"end":349.25998,"sentiment":"neutral","sentiment_score":0.09168928606729758},{"text":"Generally, in an actively managed fund, the fund manager is trying to buy and sell and outperform against the market.","start":349.56,"end":355.36502,"sentiment":"neutral","sentiment_score":0.1069477941840887}],"sentiment":"neutral","sentiment_score":0.155558851339574,"num_words":103,"start":324.46503,"end":355.36502},{"sentences":[{"text":"They're trying to time the market.","start":355.36502,"end":356.725,"sentiment":"neutral","sentiment_score":0.0671913530677557},{"text":"And when you look at investment fees, it can be a little bit higher to have that kind of active management in your portfolio.","start":356.725,"end":362.745,"sentiment":"neutral","sentiment_score":0.03811451466754079},{"text":"Alternatively, if you like, I can look at an investment that might be a bit cheaper, save you on fees, keep more money invested in your super, still performing just as well, and making sure we're diversifying as much as we can, but just sort of trying to save a little bit of fees in the meantime.","start":363.765,"end":379.75998,"sentiment":"neutral","sentiment_score":0.26601790597564295},{"text":"Which way would you like me to go?","start":380.3,"end":382.31998,"sentiment":"neutral","sentiment_score":0.07351729553192854},{"text":"Sorry.","start":385.745,"end":386.245,"sentiment":"neutral","sentiment_score":-0.07675409317016602}],"sentiment":"neutral","sentiment_score":0.17700313939712942,"num_words":96,"start":355.36502,"end":386.245},{"sentences":[{"text":"Yeah.","start":395.52,"end":395.84,"sentiment":"neutral","sentiment_score":0.1805652379989624},{"text":"Yeah.","start":395.84,"end":396.24,"sentiment":"neutral","sentiment_score":0.2719913423061371},{"text":"Definitely.","start":396.24,"end":396.74,"sentiment":"positive","sentiment_score":0.42064136266708374},{"text":"I've got a couple of different options that we can utilize.","start":397.03998,"end":399.69998,"sentiment":"neutral","sentiment_score":0.3056352517821572},{"text":"And, look, honestly, with your balance, one of the hardest things when we're starting to get our super up and working is we slug it out to get the money in and to get the super balance up over that sort of $253,100,000 dollar mark.","start":400.63998,"end":414.025,"sentiment":"neutral","sentiment_score":0.11537369528216207}],"sentiment":"neutral","sentiment_score":0.15977969491988483,"num_words":59,"start":395.52,"end":414.025},{"sentences":[{"text":"Once it hits that mark, the compounding is so much bigger, and it actually tends to build a lot faster.","start":414.16498,"end":420.905,"sentiment":"neutral","sentiment_score":0.29902678206562994},{"text":"So if we can save some fees in your portfolio now, keep the diversification and keep the super working as hard as it can, we'll get up to that mark pretty quickly there.","start":421.44998,"end":430.72998,"sentiment":"positive","sentiment_score":0.5608535440582217},{"text":"So if you like, I'll go back and review the investments, have a look at how things are structured.","start":430.72998,"end":435.585,"sentiment":"neutral","sentiment_score":0.1648502841983971},{"text":"I'll have a look at whether any rebalancing needs to occur in your portfolio or whether there's maybe some different way of restructuring some of the investments, and I'll come back and update the advice.","start":435.645,"end":446.785,"sentiment":"neutral","sentiment_score":0.013028320022671583},{"text":"I'll go through that with you if you're okay with that, And then you get to decide whether you take the advice or not.","start":446.845,"end":452.66,"sentiment":"neutral","sentiment_score":0.0482391524904718}],"sentiment":"neutral","sentiment_score":0.22316480042418543,"num_words":131,"start":414.16498,"end":452.66},{"sentences":[{"text":"How does that sound?","start":452.66,"end":453.72,"sentiment":"neutral","sentiment_score":0.06661704741418362},{"text":"Yeah.","start":455.62,"end":456.12,"sentiment":"neutral","sentiment_score":0.30537331104278564},{"text":"Beautiful.","start":456.18,"end":456.68,"sentiment":"positive","sentiment_score":0.5637767314910889},{"text":"All good.","start":456.9,"end":457.38,"sentiment":"positive","sentiment_score":0.510670006275177},{"text":"Well, I'm happy to see your portfolio is doing well, but we wanna make sure it continues to do well.","start":457.38,"end":462.02,"sentiment":"positive","sentiment_score":0.5889364659786225}],"sentiment":"positive","sentiment_score":0.4977031272969076,"num_words":28,"start":452.66,"end":462.02},{"sentences":[{"text":"So reviewing those investments and updating them every so often is definitely important as part of the structured advice and making sure we're working towards your goals.","start":462.02,"end":470.725,"sentiment":"positive","sentiment_score":0.4057682697419767},{"text":"Okay.","start":470.785,"end":471.285,"sentiment":"neutral","sentiment_score":0.07193281501531601},{"text":"Excellent.","start":472.705,"end":473.205,"sentiment":"positive","sentiment_score":0.4331696033477783},{"text":"All good.","start":473.585,"end":474.32498,"sentiment":"positive","sentiment_score":0.38801901042461395},{"text":"Now I can see also here, looking at the insurance side of things, so you do have with your Neos life there, you've got some life, some TPD, and some income protection.","start":474.96002,"end":484.1,"sentiment":"neutral","sentiment_score":0.07989781931973994}],"sentiment":"neutral","sentiment_score":0.2348192688964662,"num_words":63,"start":462.02,"end":484.1},{"sentences":[{"text":"Your life cover, you currently have the sum insured of 1,487,508.","start":485.04,"end":492.195,"sentiment":"neutral","sentiment_score":0.04872463846748525},{"text":"In the event of, say, you passing away and I'm just having a look.","start":493.375,"end":496.895,"sentiment":"neutral","sentiment_score":-0.013795987237244844},{"text":"So you're looking at your circumstances.","start":496.895,"end":498.995,"sentiment":"neutral","sentiment_score":0.008413801124940315},{"text":"You're married and you've got two kids at home.","start":499.215,"end":501.31,"sentiment":"neutral","sentiment_score":0.006958308923963664},{"text":"Is that right?","start":501.31,"end":501.94998,"sentiment":"neutral","sentiment_score":0.023846277967095375}],"sentiment":"neutral","sentiment_score":0.01226682843691886,"num_words":43,"start":485.04,"end":501.94998},{"sentences":[{"text":"Or one child.","start":501.94998,"end":502.66998,"sentiment":"neutral","sentiment_score":-0.0003715775286157926},{"text":"Sorry.","start":502.66998,"end":503.16998,"sentiment":"neutral","sentiment_score":-0.039189063012599945},{"text":"Two kids now.","start":505.38998,"end":506.35,"sentiment":"neutral","sentiment_score":0.008036091302831968},{"text":"Beautiful.","start":506.35,"end":506.85,"sentiment":"neutral","sentiment_score":0.266084760427475},{"text":"Excellent.","start":507.22998,"end":507.72998,"sentiment":"neutral","sentiment_score":0.24674199521541595}],"sentiment":"neutral","sentiment_score":0.05518124821699328,"num_words":9,"start":501.94998,"end":507.72998},{"sentences":[{"text":"So in the event, let's say, something occurring and you passed me away prematurely, obviously, your life insurance is paid out, and I believe you've got your spouse here as your beneficiary on that one, so Rebecca.","start":508.99,"end":519.475,"sentiment":"neutral","sentiment_score":0.0364522602711175},{"text":"She would receive that $11,487,508, but then your super balance can also be paid out on top of that.","start":520.895,"end":528.835,"sentiment":"neutral","sentiment_score":0.104637248343543},{"text":"Do you feel like that is a comfortable level of cover?","start":529.43,"end":532.31,"sentiment":"neutral","sentiment_score":0.010610126636245033},{"text":"Did you wanna look at reviewing that at all?","start":532.31,"end":534.41,"sentiment":"neutral","sentiment_score":-0.0036131547143061957},{"text":"Yep.","start":537.67,"end":537.99,"sentiment":"neutral","sentiment_score":0.07268812507390976}],"sentiment":"neutral","sentiment_score":0.04537301914548719,"num_words":77,"start":508.99,"end":537.99},{"sentences":[{"text":"Yep.","start":537.99,"end":538.23,"sentiment":"neutral","sentiment_score":0.10700492560863496},{"text":"Beautiful.","start":538.23,"end":538.73,"sentiment":"neutral","sentiment_score":0.27309784293174744},{"text":"And then with TBD, that's obviously a total time of disability.","start":539.11,"end":542.55,"sentiment":"neutral","sentiment_score":0.02399946791543202},{"text":"So it pays out either a lump sum benefit or an income stream if you're unable to ever go back to work again.","start":542.55,"end":548.135,"sentiment":"neutral","sentiment_score":0.03602320587505465},{"text":"You do have the exact amount the same amount of TBD as life.","start":548.275,"end":552.295,"sentiment":"neutral","sentiment_score":0.039363959264637045}],"sentiment":"neutral","sentiment_score":0.040497186146462714,"num_words":49,"start":537.99,"end":552.295},{"sentences":[{"text":"Now I do like to make sure I'm giving you some information.","start":552.515,"end":554.855,"sentiment":"neutral","sentiment_score":0.040362569193045296},{"text":"So just so you're fully aware, if TBD was claimed successfully and you're under the age of 60, it does unfortunately mean that taxes applied to to the benefit.","start":554.915,"end":564.58,"sentiment":"neutral","sentiment_score":-0.18085492723460855},{"text":"So it means the amount that you're insured for isn't necessarily the amount that you would get.","start":565.2,"end":569.94,"sentiment":"neutral","sentiment_score":-0.19987366479985855},{"text":"However, as advisers, if you do happen to claim CBD, we will help you with the claim, and then we'll also provide advice on how best to structure and how to limit the tax and how to make the best out of that.","start":570.575,"end":582.35504,"sentiment":"neutral","sentiment_score":0.11899991108234538},{"text":"And we can also look to access your super under the permanent incapacity as well.","start":583.16,"end":587.8,"sentiment":"neutral","sentiment_score":0.07125997307399909}],"sentiment":"neutral","sentiment_score":-0.017003436107188463,"num_words":116,"start":552.515,"end":587.8},{"sentences":[{"text":"So there's an extra benefit that you could also have paid out.","start":587.8,"end":591.01996,"sentiment":"neutral","sentiment_score":0.05566795480748018},{"text":"I know, unfortunately, the tax component isn't great, but as I said, we would try to limit that as much possible.","start":591.95996,"end":598.21497,"sentiment":"neutral","sentiment_score":-0.2356418612457457},{"text":"But do you feel comfortable with the level of TBD you have at the moment being at that 1,400,000, or did you wanna maybe look at reviewing that and assess, you know, a better lump sum?","start":598.21497,"end":608.315,"sentiment":"neutral","sentiment_score":0.026871099033289485},{"text":"Yeah.","start":611.79004,"end":612.29004,"sentiment":"neutral","sentiment_score":0.06543467193841934},{"text":"That's okay.","start":613.39,"end":614.29004,"sentiment":"neutral","sentiment_score":0.11110235750675201}],"sentiment":"neutral","sentiment_score":-0.04202034272667435,"num_words":72,"start":587.8,"end":614.29004},{"sentences":[{"text":"I'm not sure if anyone's kinda gone through how CBD works for the tax implications around any of that, but did you have any questions?","start":614.35004,"end":620.75,"sentiment":"neutral","sentiment_score":0.01590784133877605},{"text":"I didn't want us to bombard you with information and not allow you to ask any questions around it.","start":620.75,"end":625.33,"sentiment":"negative","sentiment_score":-0.36472004495168986},{"text":"Easy.","start":628.815,"end":629.295,"sentiment":"neutral","sentiment_score":0.26105374097824097},{"text":"All good.","start":629.295,"end":629.695,"sentiment":"neutral","sentiment_score":0.32876062393188477},{"text":"If you ever do have questions or wanted to kind of run through things more than that, please let me know.","start":629.695,"end":634.355,"sentiment":"neutral","sentiment_score":0.031221273754324232}],"sentiment":"neutral","sentiment_score":-0.07290828063132186,"num_words":68,"start":614.35004,"end":634.355},{"sentences":[{"text":"I think I personally disagree with it.","start":634.575,"end":636.33496,"sentiment":"negative","sentiment_score":-0.3809185432536261},{"text":"I think if you're incapacitated or disabled, the last thing the government should be doing is charging you tax.","start":636.33496,"end":641.455,"sentiment":"negative","sentiment_score":-0.5959010892792752},{"text":"I think that is disgraceful.","start":641.455,"end":642.89,"sentiment":"negative","sentiment_score":-0.6117553234100341},{"text":"Oh, absolutely.","start":647.51,"end":648.25,"sentiment":"neutral","sentiment_score":0.0224897600710392},{"text":"With the income protection benefit you do have here as well.","start":649.99005,"end":653.19,"sentiment":"neutral","sentiment_score":0.0881163098595359}],"sentiment":"negative","sentiment_score":-0.36438791335306386,"num_words":44,"start":634.575,"end":653.19},{"sentences":[{"text":"So it does cover a monthly benefit amount pretax of 5,099.","start":653.19,"end":659.065,"sentiment":"neutral","sentiment_score":0.08464929427612912},{"text":"I've got your income here as about 80,000 per annum.","start":659.065,"end":662.505,"sentiment":"neutral","sentiment_score":0.05713310949504376},{"text":"Is that right?","start":662.505,"end":663.325,"sentiment":"neutral","sentiment_score":0.07887272412578265},{"text":"Yep.","start":665.625,"end":665.945,"sentiment":"neutral","sentiment_score":0.08542436361312866},{"text":"Beautiful.","start":665.945,"end":666.425,"sentiment":"neutral","sentiment_score":0.2743777632713318}],"sentiment":"neutral","sentiment_score":0.08072667812498716,"num_words":26,"start":653.19,"end":666.425},{"sentences":[{"text":"Are you due for an increase on that this yes.","start":666.425,"end":669.405,"sentiment":"neutral","sentiment_score":-0.01063767559826374},{"text":"Okay.","start":671.01996,"end":671.33997,"sentiment":"neutral","sentiment_score":0.05640626326203346},{"text":"No.","start":671.33997,"end":671.57996,"sentiment":"neutral","sentiment_score":0.08830733597278595},{"text":"That's absolutely fine, and congratulations on the increase.","start":671.57996,"end":674.54,"sentiment":"positive","sentiment_score":0.6901538223028183},{"text":"It's well deserved.","start":674.54,"end":675.44,"sentiment":"positive","sentiment_score":0.7722800374031067}],"sentiment":"positive","sentiment_score":0.3424525014732195,"num_words":23,"start":666.425,"end":675.44},{"sentences":[{"text":"So so with the benefit amount, to cover you for up to 70% of your current income at 85,000 per annum, we would need to cover you for a monthly benefit of 4,958 and 33¢.","start":677.74,"end":690.195,"sentiment":"neutral","sentiment_score":0.09046320178929497},{"text":"So with your income protection, it does show you're a little bit over insured at the moment.","start":690.195,"end":694.85504,"sentiment":"neutral","sentiment_score":0.03835362897199743},{"text":"However, that amount could still be applicable if you've got an increase coming in the next few months.","start":694.91504,"end":701.19,"sentiment":"neutral","sentiment_score":0.05806498519248433},{"text":"If, you know, you get additional bonuses and things like that on a regular basis, you could be able to claim that higher amount.","start":701.57,"end":707.67004,"sentiment":"neutral","sentiment_score":0.20387640160818896},{"text":"If you did look to reduce your income protection benefit back.","start":708.45,"end":712.015,"sentiment":"neutral","sentiment_score":-0.08473519709977237}],"sentiment":"neutral","sentiment_score":0.08397958420503598,"num_words":105,"start":677.74,"end":712.015},{"sentences":[{"text":"It does make the cost a little bit cheaper in saying that if you then had to increase it back, we have to go to another application.","start":712.015,"end":718.915,"sentiment":"neutral","sentiment_score":-0.09814489784616011},{"text":"So do you feel comfortable leaving your income protection benefit at the amount that it is, or did you wanna look at reducing that a little bit?","start":719.135,"end":726.755,"sentiment":"neutral","sentiment_score":-0.04984325660323655},{"text":"Yep.","start":729.89,"end":730.39,"sentiment":"neutral","sentiment_score":0.05197938531637192},{"text":"Yep.","start":730.45,"end":730.95,"sentiment":"neutral","sentiment_score":0.0451764278113842},{"text":"Yeah.","start":733.49,"end":733.99,"sentiment":"neutral","sentiment_score":0.1232082098722458}],"sentiment":"neutral","sentiment_score":-0.06623361661638084,"num_words":57,"start":712.015,"end":733.99},{"sentences":[{"text":"Well, the good thing about the way these are structured is we do also have the inflation benefit in there.","start":734.13,"end":739.17,"sentiment":"neutral","sentiment_score":0.30607336908578875},{"text":"So it does mean that every year that these insurance premiums go through their renewal process, they're gonna increase along with CPI.","start":739.17,"end":746.095,"sentiment":"neutral","sentiment_score":0.2375120852481235},{"text":"So it does mean that the policy the cost of the policy increases, but it also means the policy itself increases as well.","start":746.15497,"end":753.275,"sentiment":"neutral","sentiment_score":0.2781130593755971},{"text":"And these kinds of increases are really beneficial because it's basically, like, a little increase to the policy without any additional underwriting.","start":753.275,"end":761.14,"sentiment":"positive","sentiment_score":0.3510594086890871},{"text":"And because our health can change as they get older, I'm sure you're beautiful and healthy, but some people, we do find their health does deteriorate.","start":761.28,"end":769.395,"sentiment":"neutral","sentiment_score":-0.017452285839961126}],"sentiment":"neutral","sentiment_score":0.22135293081534646,"num_words":113,"start":734.13,"end":769.395},{"sentences":[{"text":"They end up with back issues, leg issues, and things like that.","start":769.455,"end":772.335,"sentiment":"neutral","sentiment_score":-0.20636215806007385},{"text":"And when we increase or change an insurance application, if there's any preexisting conditions, they are generally excluded from the policy.","start":772.335,"end":780.11505,"sentiment":"neutral","sentiment_score":-0.12157282144540832},{"text":"So keeping these increases along with CPI each year is kind of beneficial because they're not underwritten, and the policy just kinda keeps increasing the idea of income protection.","start":781.54,"end":791.88,"sentiment":"positive","sentiment_score":0.548290288653867},{"text":"You wanna make sure it increases along with your wage increases.","start":792.26,"end":795.16,"sentiment":"neutral","sentiment_score":0.28823875703594903},{"text":"Sometimes it increases more than wages, but having a little bit more protection there both, you know, if you have been a claim, you might not be able to claim the entire amount.","start":795.825,"end":804.965,"sentiment":"neutral","sentiment_score":0.17799199598305154}],"sentiment":"neutral","sentiment_score":0.18788118319550776,"num_words":106,"start":769.455,"end":804.965},{"sentences":[{"text":"It does mean you're more likely to get the amount you need rather than being underinsured at the same time.","start":805.10504,"end":810.95996,"sentiment":"neutral","sentiment_score":0.21125123500823975},{"text":"Does that make sense?","start":810.95996,"end":813.83997,"sentiment":"neutral","sentiment_score":0.10136592015624046},{"text":"Yeah.","start":813.83997,"end":814.24,"sentiment":"neutral","sentiment_score":0.21939073503017423},{"text":"Beautiful.","start":814.24,"end":814.74,"sentiment":"positive","sentiment_score":0.47609543800354},{"text":"So I'll leave that as it is.","start":814.8,"end":816.33997,"sentiment":"neutral","sentiment_score":0.3294707387685776}],"sentiment":"neutral","sentiment_score":0.23128090076374286,"num_words":33,"start":805.10504,"end":816.33997},{"sentences":[{"text":"You've got a four week waiting period and a five year benefit period.","start":816.39996,"end":819.51996,"sentiment":"neutral","sentiment_score":0.24368921266152307},{"text":"They're pretty stock standard, essentially.","start":819.51996,"end":821.12,"sentiment":"neutral","sentiment_score":0.285696941614151},{"text":"You just have to be off work for a four weeks prior to making your claim, and you can be on a claim for up to five years as well.","start":821.12,"end":827.79504,"sentiment":"neutral","sentiment_score":0.2089389664431413},{"text":"Do you have any questions about income protection, how it works, or with the benefit of waiting periods at all?","start":828.17505,"end":834.03503,"sentiment":"neutral","sentiment_score":0.061107839457690716},{"text":"Easy.","start":836.73505,"end":837.23505,"sentiment":"neutral","sentiment_score":0.06257830560207367}],"sentiment":"neutral","sentiment_score":0.1760775153727635,"num_words":69,"start":816.39996,"end":837.23505},{"sentences":[{"text":"It does look like you don't have any external other insurances like trauma.","start":837.71,"end":842.03,"sentiment":"neutral","sentiment_score":-0.01523021761414174},{"text":"And because you do have kids, you can also access other insurances like child trauma.","start":842.03,"end":846.93,"sentiment":"neutral","sentiment_score":0.05832652524113655},{"text":"Trauma and child trauma tend to pay out, like, a lump sum tax rate benefit in the event that you say yourself or your kids are diagnosed with, say, a major illness like cancer, the the adult trauma, heart attack, strokes, Parkinson's, things like that, for all these sorts of trauma covers insurances.","start":847.39,"end":867.73004,"sentiment":"neutral","sentiment_score":0.012582262015883933},{"text":"Sorry.","start":867.73004,"end":868.23004,"sentiment":"neutral","sentiment_score":-0.12037177383899687},{"text":"Cancer seems to be the biggest one that it does tend to pay out on.","start":868.85004,"end":872.23004,"sentiment":"neutral","sentiment_score":-0.17122069448232652}],"sentiment":"neutral","sentiment_score":-0.013865126336070519,"num_words":97,"start":837.71,"end":872.23004},{"sentences":[{"text":"Unlike life, t to d income protection, you can't actually hold trauma or child trauma inside super.","start":872.61005,"end":878.45,"sentiment":"neutral","sentiment_score":-0.1566757016322192},{"text":"They are all paid out of your back pocket.","start":878.45,"end":880.29004,"sentiment":"neutral","sentiment_score":-0.15665147205193838},{"text":"So it is kinda dependent upon whether you've got excess cash flow.","start":880.29004,"end":883.675,"sentiment":"neutral","sentiment_score":-0.11592038658758004},{"text":"And with the cost of living at the moment, it does get kinda difficult to pay for external covers there, but I do have to kinda go through and just explain the differences and what you do have available to you.","start":883.675,"end":893.995,"sentiment":"neutral","sentiment_score":-0.0952207554222607},{"text":"But did you wanna look at getting any extra trauma policies or any other insurances happy with what you've got there?","start":893.995,"end":900.95,"sentiment":"neutral","sentiment_score":-0.16996785013803414}],"sentiment":"neutral","sentiment_score":-0.1293777064047754,"num_words":100,"start":872.61005,"end":900.95},{"sentences":[{"text":"Yep.","start":900.95,"end":901.45,"sentiment":"neutral","sentiment_score":-0.0053053610026836395},{"text":"No.","start":903.91003,"end":904.41003,"sentiment":"neutral","sentiment_score":-0.10405313968658449},{"text":"Absolutely.","start":905.03,"end":905.53,"sentiment":"neutral","sentiment_score":0.01558356173336506},{"text":"Yeah.","start":908.23,"end":908.73,"sentiment":"neutral","sentiment_score":-0.008817131631076336},{"text":"No.","start":910.985,"end":911.225,"sentiment":"neutral","sentiment_score":-0.04595528170466423}],"sentiment":"neutral","sentiment_score":-0.029709470458328724,"num_words":5,"start":900.95,"end":911.225},{"sentences":[{"text":"That's okay.","start":911.225,"end":911.865,"sentiment":"neutral","sentiment_score":0.04347842186689377},{"text":"If you ever wanna discuss those in more detail, let me know.","start":911.865,"end":914.745,"sentiment":"neutral","sentiment_score":0.06934777926653624},{"text":"It's honestly not a problem at all.","start":914.745,"end":916.665,"sentiment":"neutral","sentiment_score":0.3230631819793156},{"text":"At the end of the day, we can only we can make the recommendations, and we can provide you with the information.","start":917.14496,"end":921.865,"sentiment":"neutral","sentiment_score":0.2665393217043443},{"text":"But you're the only one that knows what's right for you, so that's absolutely fine.","start":921.865,"end":926.04004,"sentiment":"neutral","sentiment_score":0.23960667153199514}],"sentiment":"neutral","sentiment_score":0.21790582102177472,"num_words":58,"start":911.225,"end":926.04004},{"sentences":[{"text":"Easy.","start":928.82,"end":929.32,"sentiment":"positive","sentiment_score":0.4065220355987549},{"text":"So that's the insurances and the super stuff, which is fantastic.","start":929.78,"end":932.76,"sentiment":"positive","sentiment_score":0.6602555946870283},{"text":"I've increased your wage on the system here as well.","start":933.3,"end":936.28,"sentiment":"positive","sentiment_score":0.37196837067604066},{"text":"Just double checking as well with your assets and liabilities.","start":936.665,"end":939.40497,"sentiment":"neutral","sentiment_score":0.19003080800175667},{"text":"So with your main primary residence, sir, we had an asset value of about 2,000,000 last year, and you don't have a loan on that property.","start":939.545,"end":946.58496,"sentiment":"neutral","sentiment_score":0.050206717318640307}],"sentiment":"neutral","sentiment_score":0.25163275886583947,"num_words":58,"start":928.82,"end":946.58496},{"sentences":[{"text":"Is that right?","start":946.58496,"end":947.485,"sentiment":"neutral","sentiment_score":0.05860801165302595},{"text":"Yep.","start":950.04004,"end":950.44,"sentiment":"neutral","sentiment_score":0.11268071830272676},{"text":"Beautiful.","start":950.44,"end":950.94,"sentiment":"neutral","sentiment_score":0.31308215856552124},{"text":"Asset value, would you change that, or do you think it's still around the 2,000,000 month?","start":951.4,"end":955.26,"sentiment":"neutral","sentiment_score":0.026495765196159482},{"text":"Yeah.","start":960.04004,"end":960.54004,"sentiment":"neutral","sentiment_score":-0.0223575122654438}],"sentiment":"neutral","sentiment_score":0.045598256486383354,"num_words":22,"start":946.58496,"end":960.54004},{"sentences":[{"text":"That's okay.","start":961.0,"end":961.9,"sentiment":"neutral","sentiment_score":-0.011302084662020206},{"text":"Yeah.","start":963.58496,"end":963.82495,"sentiment":"neutral","sentiment_score":0.06304419040679932},{"text":"Perfect.","start":963.82495,"end":964.32495,"sentiment":"neutral","sentiment_score":0.17946605384349823},{"text":"There we go.","start":966.225,"end":967.02496,"sentiment":"neutral","sentiment_score":0.13478600978851318},{"text":"Excellent.","start":967.02496,"end":967.505,"sentiment":"neutral","sentiment_score":0.30671125650405884}],"sentiment":"neutral","sentiment_score":0.11637192009948194,"num_words":8,"start":961.0,"end":967.505},{"sentences":[{"text":"And then I've also got your investment property down there as well.","start":967.505,"end":970.565,"sentiment":"neutral","sentiment_score":0.08526895257333915},{"text":"It was valued at 1,300,000 last year, and you owed about 58,000 on the interest only loan.","start":970.865,"end":977.685,"sentiment":"neutral","sentiment_score":0.01327550137305961},{"text":"Sorry.","start":978.9,"end":979.4,"sentiment":"neutral","sentiment_score":-0.028419319540262222},{"text":"58,000.","start":980.26,"end":981.24,"sentiment":"neutral","sentiment_score":-0.014544010162353516},{"text":"Okay.","start":984.1,"end":984.42,"sentiment":"neutral","sentiment_score":0.010484963655471802}],"sentiment":"neutral","sentiment_score":0.03801351838046685,"num_words":32,"start":967.505,"end":984.42},{"sentences":[{"text":"There's an extra zero missing from there, so let me pop that in.","start":984.42,"end":987.14,"sentiment":"neutral","sentiment_score":-0.009128417963018784},{"text":"I thought, wow.","start":987.14,"end":987.78,"sentiment":"neutral","sentiment_score":0.08894011005759239},{"text":"That is a really good loan.","start":987.78,"end":989.32,"sentiment":"neutral","sentiment_score":0.3136761536200841},{"text":"Must be very good at saving.","start":992.21497,"end":993.675,"sentiment":"neutral","sentiment_score":0.18831147501866022},{"text":"No.","start":997.095,"end":997.33496,"sentiment":"neutral","sentiment_score":-0.04215899854898453}],"sentiment":"neutral","sentiment_score":0.10751440241162119,"num_words":29,"start":984.42,"end":997.33496},{"sentences":[{"text":"That's absolutely.","start":997.33496,"end":1000.95496,"sentiment":"neutral","sentiment_score":0.012985067442059517},{"text":"You'd have more for investment properties.","start":1001.175,"end":1002.875,"sentiment":"neutral","sentiment_score":0.012894960430761179},{"text":"No.","start":1004.63,"end":1004.87,"sentiment":"neutral","sentiment_score":0.00611516460776329},{"text":"Perfect.","start":1004.87,"end":1005.37,"sentiment":"neutral","sentiment_score":0.13087724149227142},{"text":"And and we also had a goal last year that you're looking to maybe buy another investment property.","start":1005.43,"end":1009.58997,"sentiment":"neutral","sentiment_score":0.06778388718763988}],"sentiment":"neutral","sentiment_score":0.0521586526052228,"num_words":28,"start":997.33496,"end":1009.58997},{"sentences":[{"text":"Have you purchased a secondary one, or is it still just the one?","start":1009.58997,"end":1013.29,"sentiment":"neutral","sentiment_score":0.0102802523626731},{"text":"Just the one.","start":1016.085,"end":1016.645,"sentiment":"neutral","sentiment_score":0.05723318954308828},{"text":"Yep.","start":1016.645,"end":1016.885,"sentiment":"neutral","sentiment_score":0.1110871434211731},{"text":"Perfect.","start":1016.885,"end":1017.205,"sentiment":"neutral","sentiment_score":0.11101112514734268},{"text":"And that's still interest only?","start":1017.205,"end":1018.745,"sentiment":"neutral","sentiment_score":-0.0429686926305294}],"sentiment":"neutral","sentiment_score":0.013591202380864517,"num_words":23,"start":1009.58997,"end":1018.745},{"sentences":[{"text":"Yeah.","start":1021.285,"end":1021.525,"sentiment":"neutral","sentiment_score":0.109799362719059},{"text":"Beautiful.","start":1021.525,"end":1022.025,"sentiment":"positive","sentiment_score":0.3595269024372101},{"text":"How long is the interest only for, or when does the interest only come off term?","start":1022.085,"end":1025.945,"sentiment":"neutral","sentiment_score":0.0032502253307029605},{"text":"For you.","start":1028.9,"end":1029.3,"sentiment":"neutral","sentiment_score":0.056633710861206055},{"text":"Yep.","start":1029.3,"end":1029.7001,"sentiment":"neutral","sentiment_score":0.21288220584392548}],"sentiment":"neutral","sentiment_score":0.040356166572088285,"num_words":21,"start":1021.285,"end":1029.7001},{"sentences":[{"text":"Beautiful.","start":1029.7001,"end":1030.2001,"sentiment":"positive","sentiment_score":0.654569149017334},{"text":"Fantastic.","start":1030.58,"end":1031.08,"sentiment":"positive","sentiment_score":0.6942338943481445},{"text":"And with the investment property, what's the kind of long term goal?","start":1031.62,"end":1034.74,"sentiment":"neutral","sentiment_score":0.1720998641103506},{"text":"Are you just wanting to hold that until, let's say, doubles in value and planning to sell?","start":1034.74,"end":1038.58,"sentiment":"neutral","sentiment_score":0.06853334518039927},{"text":"Or do you wanna hold that into retirement and maybe supplement super with the income aspect?","start":1038.58,"end":1043.355,"sentiment":"neutral","sentiment_score":0.12135145114734769}],"sentiment":"neutral","sentiment_score":0.1387381170024263,"num_words":47,"start":1029.7001,"end":1043.355},{"sentences":[{"text":"Have you thought about what you wanna do long term?","start":1043.355,"end":1045.535,"sentiment":"neutral","sentiment_score":0.023431235738098622},{"text":"Yep.","start":1048.235,"end":1048.735,"sentiment":"neutral","sentiment_score":0.05380290374159813},{"text":"Yeah.","start":1053.275,"end":1053.775,"sentiment":"neutral","sentiment_score":0.20446822047233584},{"text":"Perfect.","start":1053.915,"end":1054.415,"sentiment":"positive","sentiment_score":0.5411338806152344},{"text":"Excellent.","start":1055.73,"end":1056.23,"sentiment":"positive","sentiment_score":0.5581884980201721}],"sentiment":"neutral","sentiment_score":0.11370756144502334,"num_words":14,"start":1043.355,"end":1056.23},{"sentences":[{"text":"And any plans to buy any more investment properties on the track as well?","start":1056.45,"end":1060.31,"sentiment":"neutral","sentiment_score":0.11865248238401753},{"text":"K.","start":1063.81,"end":1064.31,"sentiment":"neutral","sentiment_score":-0.025417638942599297},{"text":"No.","start":1065.17,"end":1065.41,"sentiment":"neutral","sentiment_score":-0.1098531410098076},{"text":"That's okay.","start":1065.41,"end":1065.97,"sentiment":"neutral","sentiment_score":-0.12313657999038696},{"text":"Probably waiting to see what happens with the legislation and what comes into play next year.","start":1065.97,"end":1070.31,"sentiment":"neutral","sentiment_score":-0.09697349346242845}],"sentiment":"neutral","sentiment_score":-0.007999561233993839,"num_words":34,"start":1056.45,"end":1070.31},{"sentences":[{"text":"That'll have a huge effect on what we all decide to do.","start":1073.945,"end":1076.585,"sentiment":"neutral","sentiment_score":0.1630927131821712},{"text":"I was lucky I I have one, and then when this came into effect, I was in the process of looking for a second one.","start":1076.585,"end":1081.865,"sentiment":"neutral","sentiment_score":0.02113186702132225},{"text":"I was like, you know what?","start":1081.865,"end":1083.085,"sentiment":"neutral","sentiment_score":-0.01744870034356912},{"text":"I think I'll hold up and see what happens as to how we sort of move forward with that because, yeah, it could go either way at this point.","start":1083.24,"end":1091.34,"sentiment":"neutral","sentiment_score":-0.0003418249945188391},{"text":"Absolutely.","start":1094.04,"end":1094.54,"sentiment":"neutral","sentiment_score":0.09937621653079988}],"sentiment":"neutral","sentiment_score":0.03383808662119794,"num_words":73,"start":1073.945,"end":1094.54},{"sentences":[{"text":"I have your car down here as well.","start":1095.575,"end":1097.655,"sentiment":"neutral","sentiment_score":0.05361819453537464},{"text":"A rough asset value of 15,000.","start":1097.655,"end":1099.995,"sentiment":"neutral","sentiment_score":0.029858273454010487},{"text":"What kind of car do you drive?","start":1100.135,"end":1101.515,"sentiment":"neutral","sentiment_score":0.01751143205910921},{"text":"Yeah.","start":1104.935,"end":1105.175,"sentiment":"neutral","sentiment_score":0.08441843837499619},{"text":"Fantastic.","start":1105.175,"end":1105.675,"sentiment":"positive","sentiment_score":0.42429041862487793}],"sentiment":"neutral","sentiment_score":0.05388626427916081,"num_words":23,"start":1095.575,"end":1105.675},{"sentences":[{"text":"They're very popular.","start":1106.455,"end":1107.415,"sentiment":"neutral","sentiment_score":0.31625376145044964},{"text":"Is it a good car you like it?","start":1107.415,"end":1109.355,"sentiment":"neutral","sentiment_score":0.157915361225605},{"text":"Yes.","start":1113.67,"end":1114.17,"sentiment":"neutral","sentiment_score":0.003332962282001972},{"text":"Sorry.","start":1114.39,"end":1114.89,"sentiment":"neutral","sentiment_score":-0.02005675435066223},{"text":"Absolutely.","start":1115.59,"end":1116.09,"sentiment":"neutral","sentiment_score":0.034936513751745224}],"sentiment":"neutral","sentiment_score":0.1593069211313767,"num_words":14,"start":1106.455,"end":1116.09},{"sentences":[{"text":"And what's it about you do you think you'd put on that one at the moment?","start":1117.19,"end":1120.41,"sentiment":"neutral","sentiment_score":0.009715133608551696},{"text":"10,000.","start":1124.895,"end":1125.635,"sentiment":"neutral","sentiment_score":0.02206333912909031},{"text":"Yeah.","start":1125.6951,"end":1126.015,"sentiment":"neutral","sentiment_score":0.08273734897375107},{"text":"Perfect.","start":1126.015,"end":1126.515,"sentiment":"neutral","sentiment_score":0.17041617631912231},{"text":"And do you guys have a secondary vehicle at all?","start":1126.5751,"end":1129.3151,"sentiment":"neutral","sentiment_score":0.04017772860825062}],"sentiment":"neutral","sentiment_score":0.028704699594527483,"num_words":29,"start":1117.19,"end":1129.3151},{"sentences":[{"text":"That's okay.","start":1132.415,"end":1133.2151,"sentiment":"neutral","sentiment_score":0.05968375876545906},{"text":"If you had to sell that, what kind of value do you think it's one for?","start":1133.2151,"end":1136.3351,"sentiment":"neutral","sentiment_score":0.0038708914071321487},{"text":"What would you sell it for?","start":1136.3351,"end":1137.7151,"sentiment":"neutral","sentiment_score":-0.018457576787720125},{"text":"2,000?","start":1140.5901,"end":1141.39,"sentiment":"neutral","sentiment_score":0.005553057417273521},{"text":"Yeah.","start":1141.39,"end":1141.87,"sentiment":"neutral","sentiment_score":0.1916070580482483}],"sentiment":"neutral","sentiment_score":0.010296785953239752,"num_words":26,"start":1132.415,"end":1141.87},{"sentences":[{"text":"Fantastic.","start":1141.87,"end":1142.37,"sentiment":"positive","sentiment_score":0.6790564060211182},{"text":"Excellent.","start":1143.15,"end":1143.65,"sentiment":"positive","sentiment_score":0.6146093010902405},{"text":"And I've got down here you've got some crypto.","start":1144.11,"end":1146.03,"sentiment":"neutral","sentiment_score":0.09017449782954322},{"text":"Do you still have that crypto?","start":1146.03,"end":1147.41,"sentiment":"neutral","sentiment_score":0.025404036976397038},{"text":"Beautiful.","start":1150.35,"end":1150.85,"sentiment":"neutral","sentiment_score":0.22978757321834564}],"sentiment":"neutral","sentiment_score":0.13819155459188753,"num_words":18,"start":1141.87,"end":1150.85},{"sentences":[{"text":"Yeah.","start":1154.855,"end":1155.175,"sentiment":"neutral","sentiment_score":0.007207397371530533},{"text":"I had 15,000 here at the moment.","start":1155.175,"end":1157.4349,"sentiment":"neutral","sentiment_score":0.010508723823087556},{"text":"What is it valued at the moment, do you reckon?","start":1157.655,"end":1159.915,"sentiment":"neutral","sentiment_score":0.007306670863181352},{"text":"Yeah.","start":1164.135,"end":1164.375,"sentiment":"neutral","sentiment_score":0.02845319546759129},{"text":"You're right.","start":1164.375,"end":1165.195,"sentiment":"neutral","sentiment_score":0.05008118972182274}],"sentiment":"neutral","sentiment_score":0.013450035603628271,"num_words":21,"start":1154.855,"end":1165.195},{"sentences":[{"text":"Okay.","start":1169.3999,"end":1169.72,"sentiment":"neutral","sentiment_score":0.0963885486125946},{"text":"Perfect.","start":1169.72,"end":1170.22,"sentiment":"neutral","sentiment_score":0.24740976095199585},{"text":"$18,600.","start":1170.44,"end":1171.6599,"sentiment":"neutral","sentiment_score":0.17419806122779846},{"text":"Excellent.","start":1171.72,"end":1172.22,"sentiment":"positive","sentiment_score":0.484000563621521},{"text":"Well, that's up on lastly.","start":1172.5199,"end":1173.7999,"sentiment":"positive","sentiment_score":0.3507157862186432}],"sentiment":"neutral","sentiment_score":0.3061750961674584,"num_words":9,"start":1169.3999,"end":1173.7999},{"sentences":[{"text":"That's fantastic.","start":1173.7999,"end":1174.7,"sentiment":"positive","sentiment_score":0.7554615437984467},{"text":"And, oh, good.","start":1178.36,"end":1179.0,"sentiment":"neutral","sentiment_score":0.2792819341023763},{"text":"Just sort of also looking at your expenditure, are you managing to put much away in the way of savings at the moment, or is everything just kinda going to bills expenditure?","start":1179.0,"end":1187.135,"sentiment":"neutral","sentiment_score":0.0046694978955201805},{"text":"Yep.","start":1192.3151,"end":1192.8151,"sentiment":"neutral","sentiment_score":-0.00015972803521435708},{"text":"Yep.","start":1197.53,"end":1198.03,"sentiment":"neutral","sentiment_score":0.054400429129600525}],"sentiment":"neutral","sentiment_score":0.06544701342705267,"num_words":39,"start":1173.7999,"end":1198.03},{"sentences":[{"text":"Yep.","start":1198.17,"end":1198.67,"sentiment":"neutral","sentiment_score":0.11789360642433168},{"text":"Perfect.","start":1198.9701,"end":1199.4701,"sentiment":"positive","sentiment_score":0.4247381091117859},{"text":"Excellent.","start":1201.2101,"end":1201.7101,"sentiment":"positive","sentiment_score":0.4170996248722077},{"text":"And I've got down here your employment contributions are going in.","start":1202.49,"end":1205.4501,"sentiment":"neutral","sentiment_score":0.11264861036430705},{"text":"Are you open to adding any more, like, additional contributions in the super to kind of provide that boost, or are you preferring not to at the moment just focusing on your investments outside of super and family life?","start":1205.4501,"end":1217.0851,"sentiment":"neutral","sentiment_score":0.06844267067618859}],"sentiment":"neutral","sentiment_score":0.09185151341107656,"num_words":53,"start":1198.17,"end":1217.0851},{"sentences":[{"text":"Not yet?","start":1219.225,"end":1220.045,"sentiment":"neutral","sentiment_score":-0.06548020802438259},{"text":"Yeah.","start":1221.56,"end":1221.88,"sentiment":"neutral","sentiment_score":0.12583361566066742},{"text":"That's absolutely fine.","start":1221.88,"end":1223.24,"sentiment":"neutral","sentiment_score":0.2211520771185557},{"text":"That's not a problem at all.","start":1223.24,"end":1225.1,"sentiment":"neutral","sentiment_score":0.21635317305723825},{"text":"All good.","start":1225.24,"end":1225.98,"sentiment":"positive","sentiment_score":0.33608686923980713}],"sentiment":"neutral","sentiment_score":0.18775872912790095,"num_words":14,"start":1219.225,"end":1225.98},{"sentences":[{"text":"The other thing to sorta have a look at is I've got down here that so I'm just double checking the last file.","start":1227.0801,"end":1233.1,"sentiment":"neutral","sentiment_score":0.005903347030929897},{"text":"I don't have a record of having a will or power of attorney.","start":1233.245,"end":1236.785,"sentiment":"neutral","sentiment_score":-0.026327159972145006},{"text":"Have you ever drawn up a will or had us look to the draw up a will and power of attorney?","start":1236.925,"end":1241.025,"sentiment":"neutral","sentiment_score":-0.008740175604110672},{"text":"Yeah.","start":1244.285,"end":1244.605,"sentiment":"neutral","sentiment_score":-0.02840246260166168},{"text":"No.","start":1244.605,"end":1244.765,"sentiment":"neutral","sentiment_score":-0.04684751480817795}],"sentiment":"neutral","sentiment_score":-0.007885928186824766,"num_words":59,"start":1227.0801,"end":1244.765},{"sentences":[{"text":"That's okay.","start":1244.765,"end":1245.42,"sentiment":"neutral","sentiment_score":-0.015408738050609827},{"text":"Is it something that you and Rebecca have discussed about or what they're doing?","start":1245.42,"end":1250.0,"sentiment":"neutral","sentiment_score":-0.0002911901766700404},{"text":"No.","start":1252.8601,"end":1253.1001,"sentiment":"neutral","sentiment_score":-0.05384056642651558},{"text":"That's okay.","start":1253.1001,"end":1254.0,"sentiment":"neutral","sentiment_score":0.009089730679988861},{"text":"We do like to just double check the question because we make sure to have beneficiary nominations on file for your super so that in the event that you passed away, your super and your life insurance is directed to where you want it to go.","start":1254.06,"end":1265.395,"sentiment":"neutral","sentiment_score":0.07572093948154994}],"sentiment":"neutral","sentiment_score":0.05250166111554091,"num_words":65,"start":1244.765,"end":1265.395},{"sentences":[{"text":"But it's also important to make sure, especially with a young family, your investment properties, and everything that you've worked so hard for, that having your will and the power of attorney done up can provide extra security.","start":1265.695,"end":1275.69,"sentiment":"positive","sentiment_score":0.39744358509778976},{"text":"Without those sorts of things, if you pass away, even though majority of things should just go straight to your wife, essentially, things do still have to go through a probate process.","start":1276.3099,"end":1286.73,"sentiment":"neutral","sentiment_score":-0.2179638693924062},{"text":"So it may mean that people from your past can come forward and stake a claim.","start":1286.7899,"end":1291.615,"sentiment":"neutral","sentiment_score":0.018908956553786993},{"text":"There's no guarantee they will get anything, but it can just make that process a little bit harder on your family.","start":1291.615,"end":1297.155,"sentiment":"negative","sentiment_score":-0.33385296094985234},{"text":"And as part of your estate planning with having young children as well, Setting up a guardianship.","start":1297.375,"end":1302.7999,"sentiment":"neutral","sentiment_score":0.18478594764190562}],"sentiment":"neutral","sentiment_score":0.03678229554826694,"num_words":124,"start":1265.695,"end":1302.7999},{"sentences":[{"text":"So in the event that something happens to yourself and your wife, your kids are looked after, you can set up a trust and have money directed to the trust of the kids and, yeah, make sure everything's set up to look after them down the track as well.","start":1302.94,"end":1315.26,"sentiment":"positive","sentiment_score":0.3462509972100355},{"text":"So those are the things that it's really important to have that conversation with your wife and sort of talk it out.","start":1315.26,"end":1320.655,"sentiment":"neutral","sentiment_score":0.31656947054646234},{"text":"And what what if something happened to us?","start":1320.655,"end":1322.915,"sentiment":"neutral","sentiment_score":-0.17318493500351906},{"text":"It's a really hard conversation to have and not something any of us wanna think about.","start":1323.055,"end":1327.0751,"sentiment":"negative","sentiment_score":-0.3798782750964165},{"text":"But, unfortunately, in our industry, we see these sorts of things occur on a regular basis.","start":1327.6151,"end":1332.1799,"sentiment":"neutral","sentiment_score":-0.30889693181961775}],"sentiment":"neutral","sentiment_score":0.10382832814981272,"num_words":111,"start":1302.94,"end":1332.1799},{"sentences":[{"text":"And, you know, often without having any estate planning set up, it's a it is a very difficult time for families and very stressful.","start":1332.1799,"end":1341.0,"sentiment":"negative","sentiment_score":-0.38764261951049167},{"text":"So we do just like to, as part of the review, just go through, ask the questions, and just, you know, reiterate the importance of having that conversation and drafting up a will and having either a will kicked on up.","start":1341.22,"end":1351.755,"sentiment":"neutral","sentiment_score":0.22642557613733338},{"text":"You can buy them from the post office.","start":1351.755,"end":1354.235,"sentiment":"neutral","sentiment_score":0.15540127363055944},{"text":"It's cheap.","start":1354.235,"end":1354.715,"sentiment":"neutral","sentiment_score":0.28986746072769165},{"text":"It's about $30 at the moment.","start":1354.715,"end":1356.575,"sentiment":"neutral","sentiment_score":0.22199620803197226}],"sentiment":"neutral","sentiment_score":0.038703063111982225,"num_words":81,"start":1332.1799,"end":1356.575},{"sentences":[{"text":"Or you can also go to I know in New South Wales here, we have, like, RMS, so roads and maritime services, like the transport.","start":1357.355,"end":1367.17,"sentiment":"neutral","sentiment_score":0.15558687150478362},{"text":"It's part of the government, and they do help organize wills and will kits and things like that fairly cheaply.","start":1367.17,"end":1373.75,"sentiment":"neutral","sentiment_score":0.2744413466192782},{"text":"Or if you wanted to, my team could just email through some information on a local solicitor just sort of giving you a bit of costing to start the conversation there for you.","start":1374.875,"end":1384.1749,"sentiment":"neutral","sentiment_score":0.020125796820855503},{"text":"Yeah.","start":1386.96,"end":1387.46,"sentiment":"neutral","sentiment_score":0.018642999231815335},{"text":"Did you want us to send through some details just to kind of give you some information on a local solicitor or just about the estate planning side of things, or you're comfortable with this, please?","start":1387.9199,"end":1396.66,"sentiment":"neutral","sentiment_score":0.019006813591760065}],"sentiment":"neutral","sentiment_score":0.0934394635098136,"num_words":115,"start":1357.355,"end":1396.66},{"sentences":[{"text":"Yep.","start":1397.6799,"end":1398.1799,"sentiment":"neutral","sentiment_score":0.031582217663526535},{"text":"Yep.","start":1398.88,"end":1399.38,"sentiment":"neutral","sentiment_score":0.04402080178260803},{"text":"That's all good.","start":1401.085,"end":1402.065,"sentiment":"positive","sentiment_score":0.5501647591590881},{"text":"That's all good.","start":1403.1649,"end":1404.225,"sentiment":"positive","sentiment_score":0.622200628121694},{"text":"Other than that, just sort of going through so I just also filled out majority of the risk profile for you.","start":1404.765,"end":1409.885,"sentiment":"neutral","sentiment_score":0.0019521655603533699}],"sentiment":"neutral","sentiment_score":0.12529981579503108,"num_words":29,"start":1397.6799,"end":1409.885},{"sentences":[{"text":"Obviously, you do have that cryptocurrency there.","start":1409.885,"end":1412.125,"sentiment":"neutral","sentiment_score":0.0018365106412342616},{"text":"You've got a lot of time ahead of you.","start":1412.125,"end":1414.23,"sentiment":"neutral","sentiment_score":-0.020374502365787823},{"text":"Just sort of looking at how, you know, investments are structured with what's happening in the market at the moment.","start":1414.39,"end":1419.59,"sentiment":"neutral","sentiment_score":-0.023686885740607976},{"text":"If you did happen to see the markets fall in the next, say, year or two and the market fell by 20%.","start":1419.59,"end":1426.485,"sentiment":"neutral","sentiment_score":-0.06929382935843685},{"text":"How do you think you might be feeling?","start":1426.485,"end":1428.085,"sentiment":"neutral","sentiment_score":-0.0010476566385477781}],"sentiment":"neutral","sentiment_score":-0.03298633576681217,"num_words":66,"start":1409.885,"end":1428.085},{"sentences":[{"text":"Do you think you might be seeing it as an investment opportunity, a bit excited to put some money in, calling us a bit concerned and seeing what happens, or really anxious about it and maybe wanting to move your money to a more secure asset?","start":1428.085,"end":1440.405,"sentiment":"neutral","sentiment_score":-0.039366386020961014},{"text":"How do you think you might feel?","start":1440.405,"end":1441.945,"sentiment":"neutral","sentiment_score":-0.011105069092341832},{"text":"Yeah.","start":1451.4199,"end":1451.9199,"sentiment":"neutral","sentiment_score":0.04995427653193474},{"text":"Perfect.","start":1452.14,"end":1452.64,"sentiment":"neutral","sentiment_score":0.27094799280166626},{"text":"Yep.","start":1454.745,"end":1454.985,"sentiment":"neutral","sentiment_score":0.04243045300245285}],"sentiment":"neutral","sentiment_score":-0.027236723540616885,"num_words":56,"start":1428.085,"end":1454.985},{"sentences":[{"text":"Yep.","start":1454.985,"end":1455.465,"sentiment":"neutral","sentiment_score":0.05978066846728325},{"text":"Absolutely.","start":1455.465,"end":1455.965,"sentiment":"neutral","sentiment_score":0.13232678174972534},{"text":"Especially in the time frame you've got available to you before accessing super.","start":1456.025,"end":1459.725,"sentiment":"neutral","sentiment_score":0.07017713154737766},{"text":"So absolutely.","start":1459.785,"end":1460.525,"sentiment":"neutral","sentiment_score":0.1066209077835083},{"text":"That's a really good answer.","start":1460.745,"end":1462.125,"sentiment":"neutral","sentiment_score":0.1387505739927292}],"sentiment":"neutral","sentiment_score":0.09142749299379913,"num_words":22,"start":1454.985,"end":1462.125},{"sentences":[{"text":"Have you ever thought about borrowing in order to invest in, say, investments like shares or managed funds, or do you only ever consider borrowing comfortable for, say, buying property?","start":1462.905,"end":1473.42,"sentiment":"neutral","sentiment_score":-0.032366701401770115},{"text":"Just for the property and the investments that you got.","start":1479.735,"end":1482.055,"sentiment":"neutral","sentiment_score":-0.029517925158143044},{"text":"Yep.","start":1482.055,"end":1482.555,"sentiment":"neutral","sentiment_score":0.014412241987884045},{"text":"Yeah.","start":1483.175,"end":1483.495,"sentiment":"neutral","sentiment_score":0.1315559148788452},{"text":"Absolutely.","start":1483.495,"end":1483.995,"sentiment":"neutral","sentiment_score":0.3042583465576172}],"sentiment":"neutral","sentiment_score":-0.0189756695397718,"num_words":43,"start":1462.905,"end":1483.995},{"sentences":[{"text":"Fantastic.","start":1484.4551,"end":1484.9551,"sentiment":"neutral","sentiment_score":0.058898042887449265},{"text":"So having a look through there now, you did just score as a growth investor.","start":1486.2151,"end":1489.675,"sentiment":"neutral","sentiment_score":0.11797752678394317},{"text":"So you are on that growth portfolio at the moment, which is at eighty twenty split to 80% growth investments like Australian equities, international equities, listed property, and also commodities like gold and silver.","start":1489.8151,"end":1500.9199,"sentiment":"neutral","sentiment_score":0.10437438242575701},{"text":"And then we generally see that 20 in low risk defensive investments, so things like cash, bonds, and fixed interest.","start":1501.1399,"end":1507.5599,"sentiment":"neutral","sentiment_score":0.10845523439347744},{"text":"It's all part of diversifying your investments and making sure we spread the risk level as far as possible over your investments to mitigate as much market risk as possible, as humanly possible at least, without trumping our back pocket.","start":1507.7749,"end":1520.735,"sentiment":"neutral","sentiment_score":0.18688345425762237}],"sentiment":"neutral","sentiment_score":0.1365612073208798,"num_words":110,"start":1484.4551,"end":1520.735},{"sentences":[{"text":"It's a bit hard.","start":1520.735,"end":1521.6,"sentiment":"neutral","sentiment_score":-0.05308428406715393},{"text":"But this sort of portfolio does fit your time horizon.","start":1523.12,"end":1527.38,"sentiment":"neutral","sentiment_score":0.10787245631217957},{"text":"It suits someone who has about six years before accessing their investments, so super you have more than that time horizon ahead of you.","start":1527.52,"end":1534.66,"sentiment":"neutral","sentiment_score":0.10535392304882407},{"text":"And we are sort of averaging an expected return of about seven to 9% there compounding that over time, and we can expect negative years, say, one in every six years there.","start":1534.7999,"end":1545.365,"sentiment":"neutral","sentiment_score":-0.034397843934129924},{"text":"But, realistically, your time horizon, your risk capacity, and your tolerance, this portfolio does generally suit where you are.","start":1545.825,"end":1552.97,"sentiment":"neutral","sentiment_score":0.09638033924918425}],"sentiment":"neutral","sentiment_score":0.046352550785025856,"num_words":89,"start":1520.735,"end":1552.97},{"sentences":[{"text":"Are you comfortable staying in that kind of environment for now?","start":1552.97,"end":1556.35,"sentiment":"neutral","sentiment_score":0.04409550164233555},{"text":"Yep.","start":1558.65,"end":1559.05,"sentiment":"positive","sentiment_score":0.3840724229812622},{"text":"Beautiful.","start":1559.05,"end":1559.55,"sentiment":"positive","sentiment_score":0.7201486825942993},{"text":"Excellent.","start":1560.65,"end":1561.15,"sentiment":"positive","sentiment_score":0.7059280276298523},{"text":"As I kinda mentioned before, I've sent that annual review pack to you.","start":1561.85,"end":1564.5701,"sentiment":"neutral","sentiment_score":0.3266913844988896}],"sentiment":"neutral","sentiment_score":0.24230324628728409,"num_words":27,"start":1552.97,"end":1564.5701},{"sentences":[{"text":"It does have all the documents I've gone through with regards to your insurance with your super, a rundown of the investment portfolio as well and how all the individual investments have performed.","start":1564.5701,"end":1574.0549,"sentiment":"neutral","sentiment_score":0.29678963350527215},{"text":"It's also got the financial services guide attached, which has all the information on myself as a licensed adviser and Access OQ Financial and your ongoing service agreement as well.","start":1574.595,"end":1584.25,"sentiment":"neutral","sentiment_score":0.2515426402290662},{"text":"So if you're happy to stay on board as a client, we'll get you to sign and return that back for me.","start":1584.25,"end":1588.3501,"sentiment":"positive","sentiment_score":0.4068141403523358},{"text":"In the meantime, do you have any other questions?","start":1588.89,"end":1591.2101,"sentiment":"neutral","sentiment_score":0.07203625101182196},{"text":"So is there anything I maybe have not touched on that you wanted to talk about, or is there any additional questions come from anything I've gone through?","start":1591.2101,"end":1597.7101,"sentiment":"neutral","sentiment_score":0.0436138336413673}],"sentiment":"neutral","sentiment_score":0.2308177196832954,"num_words":122,"start":1564.5701,"end":1597.7101},{"sentences":[{"text":"Yep.","start":1600.385,"end":1600.885,"sentiment":"neutral","sentiment_score":0.2089134305715561},{"text":"Oh, all good.","start":1601.905,"end":1602.785,"sentiment":"positive","sentiment_score":0.34971802805860835},{"text":"Well, what I'll do is to go back is I'll go back and just do some research on the investment side of things for you.","start":1602.785,"end":1608.0851,"sentiment":"neutral","sentiment_score":0.14647456049919128},{"text":"Once we do have that all sorted, my team will book you back in.","start":1608.225,"end":1612.68,"sentiment":"neutral","sentiment_score":0.16752674749919347},{"text":"We'll just go back and review the investments you have, look at all the other options for investments, and look at a portfolio that's gonna work harder for you, hopefully save you some money as well, and show you what that looks like over the next sort of five to ten years projected for you.","start":1612.68,"end":1625.64,"sentiment":"neutral","sentiment_score":0.2592168545181101}],"sentiment":"neutral","sentiment_score":0.21961462235420334,"num_words":98,"start":1600.385,"end":1625.64},{"sentences":[{"text":"Does that sound all cool Oh, 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one.","start":1633.965,"end":1637.5651,"sentiment":"positive","sentiment_score":0.42728791429715995},{"text":"If you find you have any questions, don't ever hesitate to give me a buzz.","start":1637.5651,"end":1641.005,"sentiment":"neutral","sentiment_score":0.2629686454931895},{"text":"Okay?","start":1641.005,"end":1641.505,"sentiment":"neutral","sentiment_score":0.18238410353660583},{"text":"That's okay.","start":1644.005,"end":1644.645,"sentiment":"positive","sentiment_score":0.5322524011135101}],"sentiment":"positive","sentiment_score":0.34860695082516896,"num_words":42,"start":1632.845,"end":1644.645},{"sentences":[{"text":"You enjoy the rest of your day.","start":1644.645,"end":1646.4249,"sentiment":"positive","sentiment_score":0.6596083045005798},{"text":"Thanks.","start":1648.085,"end":1648.485,"sentiment":"positive","sentiment_score":0.4088453650474548},{"text":"See you later.","start":1648.485,"end":1649.125,"sentiment":"neutral","sentiment_score":0.28222179412841797},{"text":"Bye.","start":1649.125,"end":1649.625,"sentiment":"neutral","sentiment_score":0.12973171472549438}],"sentiment":"positive","sentiment_score":0.5002083828051885,"num_words":12,"start":1644.645,"end":1649.625}]}}]},{"alternatives":[{"transcript":"Hi, Dana. It's Samantha. How are you? No. That's okay. I always when I work from home, I always do attended just in case. You know? I don't know. Alright. So Michael's got time to complete his annual review and his past security. He's I I didn't ask, but he does seem like he's in a good mood. Yeah. Love that. Alright. No worry. Are you ready for for him to be transferred through? Yep. Okay. Perfect. In 321, you have Michael. Good. Thanks, Donna. How are you? Yeah. Not sure about a little bit busy. I'm sorry. I just got out of a meeting, and then it's probably a missed call. I'll call you back now. I totally forgot about it. Okay. Yep. Yeah. Sounds good. No. Nothing really, to be honest with you. I'm pretty happy he's just I was going and all that. I did maybe a few weeks ago when I was doing my tax, so I saw it then. But I don't too often. Maybe only tax time. Yes. Beautiful. Yeah. That sounds fine by me. That's not right. Yes. That's it. Yeah. God. Maybe probably minimizing the fees and all that. Yep. Yes. Yeah. That sounds good. Vehicle? Yeah. That's correct. Two kids now. Yep. No. For now, that's pretty I'm pretty comfortable with that. I'm okay with that at the moment. That that had no questions. You can keep going. Yep. Yeah. I know. We're paying up tax already, don't we? That's correct. Yep. Sorry. That's it's gone up to about 85 now. Sorry. Yeah. Thank you. I'm happy to just delete it, to be honest with you, even though you just but I'm just happy to just leave that. Yep. That makes sense. Yep. Not my questions on that. No. Yeah. Happy with I don't I probably wouldn't need any trauma at the moment. Like, this is done and all that, so I have a bit of time maybe up my sleeves. That's it. Yep. That's correct. Oh, probably maybe with the market dropping now, it might be a bit less with the housing. But maybe one point that'd be worth. How much? Sorry? 580, it is. Yeah. Yeah. I would love it to be yeah. Yeah. That'd be a direct message. It's still just the one investment. That is still interest only. Yep. I think another four years. Eventually, I wanna develop it. So I eventually developed that property because it's an older house and all that. Probably down the track, but not anytime soon at the moment. Well yeah. Exactly. Yeah. Yeah. It's a Hyundai Tucson. Yeah. I like it. I'm looking. I would love a new car, but don't we all? It's probably I reckon maybe down to 10,000. We do, but it's an old Mazda. $2,000 maybe? Yes. Still with the crypto. I even know the down, but but it would be let me tell you now. It's at $18.06. No. I tried to put some away to savings. So about between me and my wife have savings around maybe $24 at the moment. Yeah. Probably not to add to it anymore. Just make it as this. No. I don't have a wheel. To be honest with you, not really. Yes. Yeah. Okay. Yeah. He's been through he's entering I was gonna have a rate of that, and he to have a chance to my all that and then Well, 20% drop's pretty big, but kinda like I don't know. I'd probably leave it just because I know markets working cycles, I guess. So they will eventually come back. Yep. Probably I wouldn't probably take loans or a thing to buy shares or anything like that. That's part of the problem. Yeah. Yeah. Comfortable in that thing in there. No. I think you covered everything. That's fine. That sounds good. Yes. Good. Thank no worries. Thank you so much. Okay. See you later. 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Dana. It's Samantha. How are you? No. That's okay.\n\nI always when I work from home, I always do attended just in case. You know? I don't know. Alright. So Michael's got time to complete his annual review and his past security.\n\nHe's I I didn't ask, but he does seem like he's in a good mood. Yeah. Love that. Alright. No worry.\n\nAre you ready for for him to be transferred through? Yep. Okay. Perfect. In 321, you have Michael.\n\nGood. Thanks, Donna. How are you? Yeah. Not sure about a little bit busy.\n\nI'm sorry. I just got out of a meeting, and then it's probably a missed call. I'll call you back now. I totally forgot about it. Okay.\n\nYep. Yeah. Sounds good. No. Nothing really, to be honest with you.\n\nI'm pretty happy he's just I was going and all that. I did maybe a few weeks ago when I was doing my tax, so I saw it then. But I don't too often. Maybe only tax time. Yes.\n\nBeautiful. Yeah. That sounds fine by me. That's not right. Yes.\n\nThat's it. Yeah. God. Maybe probably minimizing the fees and all that. Yep.\n\nYes. Yeah. That sounds good. Vehicle? Yeah.\n\nThat's correct. Two kids now. Yep. No. For now, that's pretty I'm pretty comfortable with that.\n\nI'm okay with that at the moment. That that had no questions. You can keep going. Yep. Yeah.\n\nI know. We're paying up tax already, don't we? That's correct. Yep. Sorry.\n\nThat's it's gone up to about 85 now. Sorry. Yeah. Thank you. I'm happy to just delete it, to be honest with you, even though you just but I'm just happy to just leave that.\n\nYep. That makes sense. Yep. Not my questions on that. No.\n\nYeah. Happy with I don't I probably wouldn't need any trauma at the moment. Like, this is done and all that, so I have a bit of time maybe up my sleeves. That's it. Yep.\n\nThat's correct. Oh, probably maybe with the market dropping now, it might be a bit less with the housing. But maybe one point that'd be worth. How much? Sorry?\n\n580, it is. Yeah. Yeah. I would love it to be yeah. Yeah.\n\nThat'd be a direct message. It's still just the one investment. That is still interest only. Yep. I think another four years.\n\nEventually, I wanna develop it. So I eventually developed that property because it's an older house and all that. Probably down the track, but not anytime soon at the moment. Well yeah. Exactly.\n\nYeah. Yeah. It's a Hyundai Tucson. Yeah. I like it.\n\nI'm looking. I would love a new car, but don't we all? It's probably I reckon maybe down to 10,000. We do, but it's an old Mazda. $2,000 maybe?\n\nYes. Still with the crypto. I even know the down, but but it would be let me tell you now. It's at $18.06. No.\n\nI tried to put some away to savings. So about between me and my wife have savings around maybe $24 at the moment. Yeah. Probably not to add to it anymore. Just make it as this.\n\nNo. I don't have a wheel. To be honest with you, not really. Yes. Yeah.\n\nOkay. Yeah. He's been through he's entering I was gonna have a rate of that, and he to have a chance to my all that and then Well, 20% drop's pretty big, but kinda like I don't know. I'd probably leave it just because I know markets working cycles, I guess. So they will eventually come back.\n\nYep. Probably I wouldn't probably take loans or a thing to buy shares or anything like that. That's part of the problem. Yeah. Yeah.\n\nComfortable in that thing in there. No. I think you covered everything. That's fine. That sounds good.\n\nYes. Good. Thank no worries. Thank you so much. Okay.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Dana.","start":3.04,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.046681903302669525},{"text":"It's Samantha.","start":3.6799998,"end":4.42,"sentiment":"neutral","sentiment_score":0.0393700897693634},{"text":"How are you?","start":6.48,"end":7.3799996,"sentiment":"neutral","sentiment_score":-0.01504231741031011},{"text":"No.","start":8.16,"end":8.48,"sentiment":"neutral","sentiment_score":-0.06313247233629227},{"text":"That's okay.","start":8.48,"end":9.12,"sentiment":"neutral","sentiment_score":0.05507878586649895}],"sentiment":"neutral","sentiment_score":0.017400213330984116,"num_words":10,"start":3.04,"end":9.12},{"sentences":[{"text":"I always when I work from home, I always do attended just in case.","start":9.12,"end":13.5199995,"sentiment":"neutral","sentiment_score":0.043680700074349134},{"text":"You know?","start":13.5199995,"end":13.92,"sentiment":"neutral","sentiment_score":0.01722427736967802},{"text":"I don't 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Michael.","start":39.66,"end":42.8,"sentiment":"neutral","sentiment_score":0.07373490706086158}],"sentiment":"neutral","sentiment_score":0.07119151204824448,"num_words":18,"start":34.38,"end":42.8},{"sentences":[{"text":"Good.","start":48.454998,"end":48.695,"sentiment":"neutral","sentiment_score":0.25052836537361145},{"text":"Thanks, Donna.","start":48.695,"end":49.254997,"sentiment":"neutral","sentiment_score":0.2925262451171875},{"text":"How are you?","start":49.254997,"end":50.074997,"sentiment":"neutral","sentiment_score":0.21558878322442374},{"text":"Yeah.","start":54.695,"end":55.015,"sentiment":"neutral","sentiment_score":-0.0034735379740595818},{"text":"Not sure about a little bit busy.","start":55.015,"end":56.214996,"sentiment":"neutral","sentiment_score":-0.0772773234971932}],"sentiment":"neutral","sentiment_score":0.06699517163048897,"num_words":14,"start":48.454998,"end":56.214996},{"sentences":[{"text":"I'm sorry.","start":56.214996,"end":56.454998,"sentiment":"neutral","sentiment_score":-0.1091676615178585},{"text":"I just got out of a meeting, and then it's probably a missed call.","start":56.454998,"end":58.695,"sentiment":"neutral","sentiment_score":-0.09164116797702652},{"text":"I'll call you back now.","start":58.695,"end":65.24285,"sentiment":"neutral","sentiment_score":0.0888792060315609},{"text":"I totally forgot about it.","start":65.24285,"end":66.13,"sentiment":"neutral","sentiment_score":-0.022807909548282622},{"text":"Okay.","start":71.205,"end":71.705,"sentiment":"neutral","sentiment_score":0.06863181293010712}],"sentiment":"neutral","sentiment_score":-0.04082679182842926,"num_words":27,"start":56.214996,"end":71.705},{"sentences":[{"text":"Yep.","start":78.7575,"end":79.2575,"sentiment":"neutral","sentiment_score":0.15496826171875},{"text":"Yeah.","start":112.795,"end":113.115,"sentiment":"neutral","sentiment_score":0.2864570915699005},{"text":"Sounds 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now.","start":667.805,"end":670.04504,"sentiment":"neutral","sentiment_score":0.05412784428335726},{"text":"Sorry.","start":670.04504,"end":670.54504,"sentiment":"neutral","sentiment_score":0.011640042066574097},{"text":"Yeah.","start":676.205,"end":676.705,"sentiment":"positive","sentiment_score":0.4641557931900024},{"text":"Thank you.","start":676.765,"end":677.505,"sentiment":"positive","sentiment_score":0.6426312327384949},{"text":"I'm happy to just delete it, to be honest with you, even though you just but I'm just happy to just leave that.","start":727.745,"end":733.445,"sentiment":"neutral","sentiment_score":0.11736531150729759}],"sentiment":"neutral","sentiment_score":0.13981380627623627,"num_words":35,"start":667.805,"end":733.445},{"sentences":[{"text":"Yep.","start":796.26,"end":796.76,"sentiment":"neutral","sentiment_score":0.1212134286761284},{"text":"That makes 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sleeves.","start":904.52,"end":909.91504,"sentiment":"neutral","sentiment_score":0.0014338172558281156},{"text":"That's it.","start":927.13,"end":927.94995,"sentiment":"neutral","sentiment_score":0.32006601989269257},{"text":"Yep.","start":948.315,"end":948.635,"sentiment":"neutral","sentiment_score":0.03908298909664154}],"sentiment":"neutral","sentiment_score":-0.013445358936275754,"num_words":35,"start":901.0,"end":948.635},{"sentences":[{"text":"That's correct.","start":948.635,"end":949.375,"sentiment":"neutral","sentiment_score":0.08387342840433121},{"text":"Oh, probably maybe with the market dropping now, it might be a bit less with the housing.","start":955.65,"end":960.07,"sentiment":"neutral","sentiment_score":-0.09632015272098429},{"text":"But maybe one point that'd be worth.","start":960.37,"end":962.71,"sentiment":"neutral","sentiment_score":-0.012494410454694713},{"text":"How 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years.","start":1026.475,"end":1028.1749,"sentiment":"neutral","sentiment_score":-0.007769359834492206}],"sentiment":"neutral","sentiment_score":0.007416588889265602,"num_words":22,"start":998.08496,"end":1028.1749},{"sentences":[{"text":"Eventually, I wanna develop it.","start":1045.995,"end":1047.5349,"sentiment":"neutral","sentiment_score":0.02388258669525385},{"text":"So I eventually developed that property because it's an older house and all that.","start":1049.115,"end":1052.575,"sentiment":"neutral","sentiment_score":0.02911413088440895},{"text":"Probably down the track, but not anytime soon at the moment.","start":1061.7699,"end":1064.59,"sentiment":"neutral","sentiment_score":-0.036839148876341904},{"text":"Well yeah.","start":1070.4099,"end":1070.97,"sentiment":"neutral","sentiment_score":0.017909487709403038},{"text":"Exactly.","start":1070.97,"end":1071.47,"sentiment":"neutral","sentiment_score":0.08857713639736176}],"sentiment":"neutral","sentiment_score":0.007459886061648528,"num_words":33,"start":1045.995,"end":1071.47},{"sentences":[{"text":"Yeah.","start":1089.14,"end":1089.64,"sentiment":"neutral","sentiment_score":0.000796828418970108},{"text":"Yeah.","start":1089.7,"end":1090.2,"sentiment":"neutral","sentiment_score":-0.011975886300206184},{"text":"It's a Hyundai Tucson.","start":1102.5,"end":1109.605,"sentiment":"neutral","sentiment_score":0.03743146173655987},{"text":"Yeah.","start":1109.665,"end":1110.0651,"sentiment":"neutral","sentiment_score":0.09341321885585784},{"text":"I like 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some away to savings.","start":1188.745,"end":1190.605,"sentiment":"neutral","sentiment_score":-0.10060926899313927},{"text":"So about between me and my wife have savings around maybe $24 at the moment.","start":1192.025,"end":1197.21,"sentiment":"neutral","sentiment_score":-0.007107210656007131},{"text":"Yeah.","start":1217.285,"end":1217.6051,"sentiment":"neutral","sentiment_score":-0.00865713320672512},{"text":"Probably not to add to it anymore.","start":1217.6051,"end":1219.685,"sentiment":"neutral","sentiment_score":-0.046323715310011594},{"text":"Just make it as this.","start":1219.685,"end":1221.0651,"sentiment":"neutral","sentiment_score":-0.0007494039833545685}],"sentiment":"neutral","sentiment_score":-0.03467090200218889,"num_words":36,"start":1188.745,"end":1221.0651},{"sentences":[{"text":"No.","start":1241.865,"end":1242.105,"sentiment":"neutral","sentiment_score":-0.045083437114953995},{"text":"I don't have a 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know.","start":1395.405,"end":1447.585,"sentiment":"neutral","sentiment_score":-0.040095536762641534},{"text":"I'd probably leave it just because I know markets working cycles, I guess.","start":1447.585,"end":1450.7849,"sentiment":"neutral","sentiment_score":-0.20244755882483262},{"text":"So they will eventually come back.","start":1450.7849,"end":1454.245,"sentiment":"neutral","sentiment_score":0.11801812673608462}],"sentiment":"neutral","sentiment_score":-0.05848060316291817,"num_words":57,"start":1385.5299,"end":1454.245},{"sentences":[{"text":"Yep.","start":1461.28,"end":1461.78,"sentiment":"neutral","sentiment_score":0.15704095363616943},{"text":"Probably I wouldn't probably take loans or a thing to buy shares or anything like that.","start":1474.815,"end":1479.235,"sentiment":"neutral","sentiment_score":-0.09510332252830267},{"text":"That's part of the problem.","start":1481.38,"end":1482.52,"sentiment":"neutral","sentiment_score":-0.10920058935880661},{"text":"Yeah.","start":1483.06,"end":1483.56,"sentiment":"neutral","sentiment_score":0.05963438004255295},{"text":"Yeah.","start":1556.655,"end":1556.9751,"sentiment":"neutral","sentiment_score":0.1428898423910141}],"sentiment":"neutral","sentiment_score":-0.07117045546571414,"num_words":24,"start":1461.28,"end":1556.9751},{"sentences":[{"text":"Comfortable in that thing in there.","start":1556.9751,"end":1559.0751,"sentiment":"neutral","sentiment_score":0.2625369081894557},{"text":"No.","start":1598.2999,"end":1598.46,"sentiment":"neutral","sentiment_score":-0.06245572119951248},{"text":"I think you covered everything.","start":1598.46,"end":1599.74,"sentiment":"neutral","sentiment_score":0.00023177266120910645},{"text":"That's fine.","start":1599.74,"end":1600.5599,"sentiment":"neutral","sentiment_score":0.28285086154937744},{"text":"That sounds good.","start":1627.25,"end":1628.31,"sentiment":"neutral","sentiment_score":0.030251149088144302}],"sentiment":"neutral","sentiment_score":0.12766939774155617,"num_words":17,"start":1556.9751,"end":1628.31},{"sentences":[{"text":"Yes.","start":1629.5701,"end":1630.0701,"sentiment":"neutral","sentiment_score":0.05268446356058121},{"text":"Good.","start":1630.13,"end":1630.29,"sentiment":"neutral","sentiment_score":0.29891106486320496},{"text":"Thank no worries.","start":1630.29,"end":1642.325,"sentiment":"neutral","sentiment_score":0.31432584921518963},{"text":"Thank you so much.","start":1642.325,"end":1643.465,"sentiment":"positive","sentiment_score":0.6463224738836288},{"text":"Okay.","start":1646.7048,"end":1647.0249,"sentiment":"neutral","sentiment_score":0.2325916290283203}],"sentiment":"positive","sentiment_score":0.41124546006321905,"num_words":10,"start":1629.5701,"end":1647.0249},{"sentences":[{"text":"See you later.","start":1647.0249,"end":1647.8448,"sentiment":"neutral","sentiment_score":0.24430892368157706},{"text":"Bye.","start":1648.065,"end":1648.565,"sentiment":"neutral","sentiment_score":0.23051169514656067}],"sentiment":"neutral","sentiment_score":0.24085961654782295,"num_words":4,"start":1647.0249,"end":1648.565}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good afternoon. This is Dana.\n\nChannel 1: Hi, Dana. It's Samantha.\n\nChannel 0: Hey. I wasn't\n\nChannel 1: How\n\nChannel 0: sure.\n\nChannel 1: are you?\n\nChannel 0: How's\n\nChannel 1: No.\n\nChannel 0: it going?\n\nChannel 1: That's okay. I always when I work from home, I always do attended just in case. You know? I don't\n\nChannel 0: Yep.\n\nChannel 1: know.\n\nChannel 0: No. That's all\n\nChannel 1: Alright.\n\nChannel 0: good.\n\nChannel 1: So Michael's got time to complete his annual review and his past security.\n\nChannel 0: Oh, perfect. Awesome. Has he had a good day? He said it's been busy?\n\nChannel 1: He's I I didn't ask, but he does seem\n\nChannel 0: Yeah.\n\nChannel 1: like he's in a good mood.\n\nChannel 0: Oh, good. Love that.\n\nChannel 1: Yeah.\n\nChannel 0: Love it. Awesome.\n\nChannel 1: Love that. Alright.\n\nChannel 0: Thank you so much.\n\nChannel 1: No worry. Are you ready for for him to be transferred through?\n\nChannel 0: Yep. Ready when\n\nChannel 1: Yep.\n\nChannel 0: you are.\n\nChannel 1: Okay. Perfect. In 321, you have Michael.\n\nChannel 0: Hi, Marshall. This is Dana. How are you this afternoon?\n\nChannel 1: Good. Thanks, Donna. How are you?\n\nChannel 0: Yeah. Very well. Thank you. Thanks for calling back. How's your day been?\n\nChannel 1: Yeah. Not sure about a little bit busy. I'm sorry. I just got out of a meeting,\n\nChannel 0: Yeah.\n\nChannel 1: and then it's probably a missed call. I'll\n\nChannel 0: No. That's absolutely fine. It's not a problem. And just to make things\n\nChannel 1: call\n\nChannel 0: easier\n\nChannel 1: you back now. I totally forgot about\n\nChannel 0: as well\n\nChannel 1: it.\n\nChannel 0: because I know it's the middle of the workday for you, but I also do work Monday to Thursday, like, later in the\n\nChannel 1: Okay.\n\nChannel 0: afternoon into the night as well. So I can always see your annual review around work hours if you need to as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Easy. All good. Now we do normally send through your annual review pack with just some details attached regarding the documents that we go through. It's not you don't have to look at your emails if you don't have time or not able to, but what I'll do is I'll send the annual review pack through so it is in your email when you are able to look at it. But if you like, we'll just go through things today.\n\nI'll give you a bit of an update on what's happening with your super. I've had a bit of a look, and there is some advice I would like to maybe update for you as well. And then we'll just go through and update all of your circumstances. How does that sound?\n\nChannel 1: Yeah. Sounds good.\n\nChannel 0: Fantastic. Is there anything specific that you wanted me to touch on or that you needed to ask as part of the annual review today?\n\nChannel 1: No. Nothing really, to be honest with you. I'm pretty happy\n\nChannel 0: No?\n\nChannel 1: he's just I was going and all that.\n\nChannel 0: Yeah. Fantastic. All good. Do you happen to have a look at your your super very often?\n\nChannel 1: I did maybe a few weeks ago when I was doing my tax, so I saw it then.\n\nChannel 0: Yeah. Yep. No.\n\nChannel 1: But\n\nChannel 0: That's\n\nChannel 1: I don't\n\nChannel 0: okay.\n\nChannel 1: too often. Maybe only tax time.\n\nChannel 0: Yeah. No. That's okay. That's not a problem at all. We're just looking back at your last annual review.\n\nYour balance then was about $68,007.56 and 60¢ there. As of the June 17, when which is when we completed the documents here, your annual review is now up to sorry. Your our balance is now up to $89,029.15, and I'm just also updating as of today. So today, we have seen a little bit of a market pullback, so we're at $87.09 $3.01 today. So, look, your balance has definitely increased over the last year or so, which is fantastic to see.\n\nWhen I have a look at what has happened performance wise, in the last twelve months, essentially, net of fees, you've received a return of about 10.15 percent. So it is really good. Some people do prefer a dollar figure as opposed to a percentage, so I'd like to make sure I'm giving you that as well. But it essentially means that earnings out of the portfolio so gross and income has averaged about $9,709.23 for the last twelve months. So with what's been happening globally with the war between The US and Iran and here in Australia having the higher inflationary rates as well, it's good to see you come out with a good solid return.\n\nAnd because you're in a growth portfolio, this sort of a portfolio is averaging trying to obtain around about a seven to 9% return. So a 10.15% return is actually outperforming what we're expecting out of the portfolio for the year. So it's good to see.\n\nChannel 1: Yes. Beautiful.\n\nChannel 0: Yeah. As I currently just mentioned before, I do wanna do a little bit of advice for you. So I've had a bit of a look at your investments, how they're structured, and what's been happening with them. Your portfolio has done well. You are up for the year, but I can see one investment that is underperforming a little bit, and that's having a bit of an effect on your portfolio.\n\nSo I would like to, if you're comfortable with me, maybe swapping that out for you. I'm not sure if you've had a look and seen, but you do have the Benelon concentrated Australian equities investment in your portfolio. And that is the one there that is sort of holding back a little bit. When we consider that against the Aussie market, it's actually underperforming pretty significantly, whereas the Aussie market, while it's had the ups and downs this year, it actually is still performing quite well and is seeing an increase. So the underperformance with Bannalong has actually got more to do with the investment rather than the market concerns itself.\n\nSo if you're comfortable, I would love to go back and just maybe do a bit of an investment switch and look at updating the portfolio for you and just remove the underperforming investment. Does that sound okay?\n\nChannel 1: Yeah. That sounds fine by me.\n\nChannel 0: Yep. Fantastic. Now one of the things I do like to clarify when I am doing the switches and readjusting the portfolio. Essentially, Banner Long is more of an actively managed fund. Now having a look at where you are, your stage in life, you're still very young.\n\nYou've got a lot of time ahead of you. It's a good thing and, you know, annoying. We have a lot of working life ahead of us, but\n\nChannel 1: That's\n\nChannel 0: at the\n\nChannel 1: not\n\nChannel 0: same time,\n\nChannel 1: right.\n\nChannel 0: it's at the same time, it's a good thing because it means we have a lot of compounding ahead of us as well when it comes to our safety and the investments. Essentially, we've done a long I can look to replace that with another actively managed fund if you like. Generally, in an actively managed fund, the fund manager is trying to buy and sell and outperform against the market. They're trying to time the market. And when you look at investment fees, it can be a little bit higher to have that kind of active management in your portfolio.\n\nAlternatively, if you like, I can look at an investment that might be a bit cheaper, save you on fees, keep more money invested in your super, still performing just as well, and making sure we're diversifying as much as we can, but just sort of trying to save a little bit of fees in the meantime. Which way would you like me to go? Sorry.\n\nChannel 1: Yes. That's it. Yeah. God. Maybe probably minimizing the fees and all that.\n\nChannel 0: Yeah. Yeah. Definitely. I've got a couple of different options that we can utilize. And, look, honestly, with your balance, one of the hardest things when we're starting to get our super up and working is we slug it out to get the money in and to get the super balance up over that sort of $253,100,000 dollar mark.\n\nOnce it hits that mark, the compounding is so much bigger, and it actually tends to build a lot faster. So if we can save some fees in your portfolio now, keep the diversification and keep the super working as hard as it can, we'll get up to that mark pretty quickly there. So if you like,\n\nChannel 1: Yep.\n\nChannel 0: I'll go back and review the investments, have a look at how things are structured. I'll have a look at whether any rebalancing needs to occur in your portfolio or whether there's maybe some different way of restructuring some of the investments, and I'll come back and update the advice. I'll go through that with you if you're okay with that, And\n\nChannel 1: Yes.\n\nChannel 0: then you get to decide whether you take the advice or not. How does that sound?\n\nChannel 1: Yeah. That sounds good.\n\nChannel 0: Yeah. Beautiful. All good. Well, I'm happy to see your portfolio is doing well, but we wanna make sure it continues to do well. So reviewing those investments and updating them every so often is definitely important as part of the structured advice and making sure we're working towards your goals.\n\nOkay.\n\nChannel 1: Vehicle? Yeah.\n\nChannel 0: Excellent. All good. Now I can see also here, looking at the insurance side of things, so you do have with your Neos life there, you've got some life, some TPD, and some income protection. Your life cover, you currently have the sum insured of 1,487,508. In the event of, say, you passing away and I'm just having a look.\n\nSo you're looking at your circumstances. You're married and you've got two kids at home. Is that right? Or one child.\n\nChannel 1: That's correct.\n\nChannel 0: Sorry.\n\nChannel 1: Two kids now.\n\nChannel 0: Two kids now. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Excellent. So in the event, let's say, something occurring and you passed me away prematurely, obviously, your life insurance is paid out, and I believe you've got your spouse here as your beneficiary on that one, so Rebecca. She would receive that $11,487,508, but then your super balance can also be paid out on top of that. Do you feel like that is a comfortable level of cover? Did you wanna look at reviewing that at all?\n\nChannel 1: No. For now, that's pretty I'm pretty comfortable with that.\n\nChannel 0: Yep. Yep. Beautiful. And then with TBD, that's obviously a total time of disability. So it pays out either a lump sum benefit or an income stream if you're unable to ever go back to work again.\n\nYou do have the exact amount the same amount of TBD as life. Now I do like to make sure I'm giving you some information. So just so you're fully aware, if TBD was claimed successfully and you're under the age of 60, it does unfortunately mean that taxes applied to to the benefit. So it means the amount that you're insured for isn't necessarily the amount that you would get. However, as advisers, if you do happen to claim CBD, we will help you with the claim, and then we'll also provide advice on how best to structure and how to limit the tax and how to make the best out of that.\n\nAnd we can also look to access your super under the permanent incapacity as well. So there's an extra benefit that you could also have paid out. I know, unfortunately, the tax component isn't great, but as I said, we would try to limit that as much possible. But do you feel comfortable with the level of TBD you have at the moment being at that 1,400,000, or did you wanna maybe look at reviewing that and assess, you know, a better lump sum?\n\nChannel 1: I'm okay with that at the moment.\n\nChannel 0: Yeah. That's okay. I'm not sure if anyone's kinda gone through how CBD works for the tax implications around any of that, but did you have any questions? I didn't want us to bombard you with information and not allow you to ask any questions around it.\n\nChannel 1: That that had no questions. You can keep going.\n\nChannel 0: Easy. All good. If you ever do have questions or wanted to kind of run through things more than that, please let me know. I\n\nChannel 1: Yep.\n\nChannel 0: think I personally disagree with it. I think if you're incapacitated or disabled, the last thing the government should be doing is charging you tax. I think that is\n\nChannel 1: Yeah.\n\nChannel 0: disgraceful.\n\nChannel 1: I know. We're paying up tax already, don't we?\n\nChannel 0: Oh, absolutely. With the income protection benefit you do have here as well. So it does cover a monthly benefit amount pretax of 5,099. I've got your income here as about 80,000 per annum. Is that right?\n\nChannel 1: That's correct. Yep.\n\nChannel 0: Yep. Beautiful. Are you due for an increase\n\nChannel 1: Sorry.\n\nChannel 0: on\n\nChannel 1: That's\n\nChannel 0: that this\n\nChannel 1: it's gone up to\n\nChannel 0: yes.\n\nChannel 1: about 85 now. Sorry.\n\nChannel 0: Okay. No. That's absolutely fine, and congratulations on the increase. It's well deserved.\n\nChannel 1: Yeah. Thank you.\n\nChannel 0: So so with the benefit amount, to cover you for up to 70% of your current income at 85,000 per annum, we would need to cover you for a monthly benefit of 4,958 and 33¢. So with your income protection, it does show you're a little bit over insured at the moment. However, that amount could still be applicable if you've got an increase coming in the next few months. If, you know, you get additional bonuses and things like that on a regular basis, you could be able to claim that higher amount. If you did look to reduce your income protection benefit back.\n\nIt does make the cost a little bit cheaper in saying that if you then had to increase it back, we have to go to another application. So do you feel comfortable leaving your income protection benefit at the amount that it is, or did you wanna look at reducing that a little bit?\n\nChannel 1: I'm happy to just delete it, to be honest with you, even\n\nChannel 0: Yep.\n\nChannel 1: though you just\n\nChannel 0: Yep.\n\nChannel 1: but I'm just happy to just leave that.\n\nChannel 0: Yeah. Well, the good thing about the way these are structured is we do also have the inflation benefit in there. So it does mean that every year that these insurance premiums go through their renewal process, they're gonna increase along with CPI. So it does mean that the policy the cost of the policy increases, but it also means the policy itself increases as well. And these kinds of increases are really beneficial because it's basically, like, a little increase to the policy without any additional underwriting.\n\nAnd because our health can change as they get older, I'm sure you're beautiful and healthy, but some people, we do find their health does deteriorate. They end up with back issues, leg issues, and things like that. And when we increase or change an insurance application, if there's any preexisting conditions, they are generally excluded from the policy. So keeping these increases along with CPI each year is kind of beneficial because they're not underwritten, and the policy just kinda keeps increasing the idea of income protection. You wanna make sure it increases along with your wage increases.\n\nSometimes it\n\nChannel 1: Yep.\n\nChannel 0: increases more than wages, but having a little bit more protection there both, you know, if you have been a claim, you might not be able to claim the entire amount. It does mean you're more likely to get the amount you need rather than being underinsured at the same time. Does that make\n\nChannel 1: That makes sense. Yep.\n\nChannel 0: sense? Yeah. Beautiful. So I'll leave that as it is. You've got a four week waiting period and a five year benefit period.\n\nThey're pretty stock standard, essentially. You just have to be off work for a four weeks prior to making your claim, and you can be on a claim for up to five years as well. Do you have any questions about income protection, how it works, or with the benefit of waiting periods at all?\n\nChannel 1: Not my questions on that.\n\nChannel 0: Easy. It does look like you don't have any external other insurances like trauma. And because you do have kids, you can also access other insurances like child trauma. Trauma and child trauma tend to pay out, like, a lump sum tax rate benefit in the event that you say yourself or your kids are diagnosed with, say, a major illness like cancer, the the adult trauma, heart attack, strokes, Parkinson's, things like that, for all these sorts of trauma covers insurances. Sorry.\n\nCancer seems to be the biggest one that it does tend to pay out on. Unlike life, t to d income protection, you can't actually hold trauma or child trauma inside super. They are all paid out of your back pocket. So it is kinda dependent upon whether you've got excess cash flow. And with the cost of living at the moment, it does get kinda difficult to pay for external covers there, but I do have to kinda go through and just explain the differences and what you do have available to you.\n\nBut did you wanna look at getting any extra trauma policies or any\n\nChannel 1: No.\n\nChannel 0: other insurances happy with what you've got there? Yep.\n\nChannel 1: Yeah. Happy with I don't I probably wouldn't need any trauma at the moment.\n\nChannel 0: No.\n\nChannel 1: Like,\n\nChannel 0: Absolutely.\n\nChannel 1: this is done and all that, so I have a bit of\n\nChannel 0: Yeah.\n\nChannel 1: time maybe up my sleeves.\n\nChannel 0: No. That's okay. If you ever wanna discuss those in more detail, let me know. It's honestly not a problem at all. At the end of the day, we can only we can make the recommendations, and we can provide you with the information.\n\nBut you're the only one that knows what's right for you, so that's absolutely fine.\n\nChannel 1: That's it.\n\nChannel 0: Easy. So that's the insurances and the super stuff, which is fantastic. I've increased your wage on the system here as well. Just double checking as well with your assets and liabilities. So with your main primary residence, sir, we had an asset value of about 2,000,000 last year, and you don't have a loan on that property.\n\nIs that right?\n\nChannel 1: Yep. That's correct.\n\nChannel 0: Yep. Beautiful. Asset value, would you change that, or do you think it's still around the 2,000,000 month?\n\nChannel 1: Oh, probably maybe with the market dropping now, it might be a bit less with the housing.\n\nChannel 0: Yeah.\n\nChannel 1: But maybe one\n\nChannel 0: That's\n\nChannel 1: point\n\nChannel 0: okay.\n\nChannel 1: that'd be worth.\n\nChannel 0: Yeah. Perfect. There we go. Excellent. And then I've also got your investment property down there as well.\n\nIt was valued at 1,300,000 last year, and you owed about 58,000 on the interest only loan.\n\nChannel 1: How much? Sorry?\n\nChannel 0: Sorry. 58,000.\n\nChannel 1: 580, it is.\n\nChannel 0: Okay. There's an extra zero missing from there, so\n\nChannel 1: Yeah.\n\nChannel 0: let me pop that\n\nChannel 1: Yeah.\n\nChannel 0: in. I thought, wow. That is a really good loan. Must be very good at saving.\n\nChannel 1: I would love it\n\nChannel 0: No.\n\nChannel 1: to be\n\nChannel 0: That's\n\nChannel 1: yeah. Yeah. That'd be a direct message.\n\nChannel 0: absolutely. You'd have more for investment properties. No. Perfect. And and we also had a goal last year that you're looking to maybe buy another investment property.\n\nHave you purchased a secondary one, or is it still just the one?\n\nChannel 1: It's still just the one investment.\n\nChannel 0: Just the one. Yep. Perfect. And that's still interest only?\n\nChannel 1: That is still interest only. Yep.\n\nChannel 0: Yeah. Beautiful. How long is the interest only for, or when does the interest only come off term?\n\nChannel 1: I think another four years.\n\nChannel 0: For you. Yep. Beautiful. Fantastic. And with the investment property, what's the kind of long term goal?\n\nAre you just wanting to hold that until, let's say, doubles in value and planning to sell? Or do you wanna hold that into retirement and maybe supplement super with the income aspect? Have you thought about what you wanna do long term?\n\nChannel 1: Eventually, I wanna develop it.\n\nChannel 0: Yep.\n\nChannel 1: So I eventually developed that property because it's an older house and all that.\n\nChannel 0: Yeah. Perfect. Excellent. And any plans to buy any more investment properties on the track as well?\n\nChannel 1: Probably down the track, but not anytime soon\n\nChannel 0: K.\n\nChannel 1: at the moment.\n\nChannel 0: No. That's okay. Probably waiting to see what happens with the legislation and what comes into play next year.\n\nChannel 1: Well yeah. Exactly.\n\nChannel 0: That'll have a huge effect on what we all decide to do. I was lucky I I have one, and then when this came into effect, I was in the process of looking for a second one. I was like, you know what? I think I'll hold up and see what happens as to how we sort of move forward with that because, yeah,\n\nChannel 1: Yeah.\n\nChannel 0: it\n\nChannel 1: Yeah.\n\nChannel 0: could go either way at this point. Absolutely. I have your car down here as well. A rough asset value of 15,000. What kind of car do you drive?\n\nChannel 1: It's a Hyundai\n\nChannel 0: Yeah. Fantastic. They're very popular. Is it a good car you like it?\n\nChannel 1: Tucson. Yeah. I like it. I'm looking. I would love a new car, but\n\nChannel 0: Yes.\n\nChannel 1: don't we\n\nChannel 0: Sorry.\n\nChannel 1: all?\n\nChannel 0: Absolutely. And what's it about you do you think you'd put on that one at the moment?\n\nChannel 1: It's probably I reckon maybe down to 10,000.\n\nChannel 0: 10,000. Yeah. Perfect. And do you guys have a secondary vehicle at all?\n\nChannel 1: We do, but it's an old Mazda.\n\nChannel 0: That's okay. If you had to sell that, what kind of value do you think it's one for? What would you sell it for?\n\nChannel 1: $2,000 maybe?\n\nChannel 0: 2,000? Yeah. Fantastic. Excellent. And I've got down here you've got some crypto.\n\nDo you still have that crypto?\n\nChannel 1: Yes. Still with the crypto. I even know\n\nChannel 0: Beautiful.\n\nChannel 1: the down, but but\n\nChannel 0: Yeah. I had 15,000 here at the moment. What is it valued at the moment, do you reckon?\n\nChannel 1: it would be let me tell you now.\n\nChannel 0: Yeah. You're right.\n\nChannel 1: It's at $18.06.\n\nChannel 0: Okay. Perfect. $18,600. Excellent. Well, that's up on lastly.\n\nThat's fantastic. And, oh, good. Just sort of also looking at your expenditure, are you managing to put much away in the way of savings at the moment, or is everything just kinda going to bills expenditure?\n\nChannel 1: No. I tried to put some away to savings. So\n\nChannel 0: Yep.\n\nChannel 1: about between me and my wife have savings around maybe $24 at the moment.\n\nChannel 0: Yep. Yep. Perfect. Excellent. And I've got down here your employment contributions are going in.\n\nAre you open to adding any more, like, additional contributions in the super to kind of provide that boost, or are you preferring not to at the moment just focusing on your investments outside of super and family life?\n\nChannel 1: Yeah. Probably not to add to it\n\nChannel 0: Not\n\nChannel 1: anymore.\n\nChannel 0: yet?\n\nChannel 1: Just make it as this.\n\nChannel 0: Yeah. That's absolutely fine. That's not a problem at all. All good. The other thing to sorta have a look at is I've got down here that so I'm just double checking the last file.\n\nI don't have a record of having a will or power of attorney. Have you ever drawn up a will or had us look to the draw up a will and power of attorney?\n\nChannel 1: No. I don't have\n\nChannel 0: Yeah. No. That's okay. Is it something that\n\nChannel 1: a\n\nChannel 0: you and Rebecca have discussed about\n\nChannel 1: wheel.\n\nChannel 0: or what they're doing?\n\nChannel 1: To be honest with you, not really.\n\nChannel 0: No. That's okay. We do like to just double check the question because we make sure to have beneficiary nominations on file for your super so that in the event that you passed away, your super and your life insurance is directed to where you want it to go. But it's also important to make sure, especially with a young family, your investment properties, and everything that you've worked so hard for, that having your will and the power of attorney done up can provide extra security. Without those sorts of things, if you pass away, even though majority of things should just go straight to your wife,\n\nChannel 1: Yes.\n\nChannel 0: essentially, things do still have to go through a probate process. So it may mean that people from your past can come forward and stake a claim. There's no guarantee\n\nChannel 1: Yeah.\n\nChannel 0: they will get anything, but it can just make that process a little bit harder on your family. And as part of your estate planning with having young children as well, Setting up a guardianship. So in the event that something happens to yourself and your wife, your kids are looked after, you can set up a trust and have money directed to the trust of the kids and, yeah, make sure everything's set up to look after them down the track as well. So those are the things that it's really important to have that conversation with your wife and sort of talk it out. And what what if something happened to us?\n\nIt's a really hard conversation to have and not something any of us wanna think about. But, unfortunately, in our industry, we see these sorts of things occur on a regular basis. And, you know, often without having any estate planning set up, it's a it is a very difficult time for families and very stressful. So we do just like to, as part of the review, just go through, ask the questions, and just, you know, reiterate the importance of having that conversation and drafting up a will and having either a will kicked on up. You can buy them from the post office.\n\nIt's cheap. It's about $30 at the moment. Or you can also go to I know in New South Wales here, we have, like, RMS, so roads and maritime services, like the transport. It's part of the government, and they do help organize wills and will kits and things like that fairly cheaply. Or if you wanted to, my team could just email through some information on a local solicitor just sort of giving you a bit of costing to start the conversation there for you.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. Did you want us to send through some details just to kind of give you some information on a local solicitor or just about the estate\n\nChannel 1: Yeah.\n\nChannel 0: planning side of things, or you're comfortable\n\nChannel 1: He's been\n\nChannel 0: with\n\nChannel 1: through\n\nChannel 0: this,\n\nChannel 1: he's\n\nChannel 0: please?\n\nChannel 1: entering I was gonna have a rate of\n\nChannel 0: Yep.\n\nChannel 1: that, and he to have a\n\nChannel 0: Yep.\n\nChannel 1: chance to my all that and then\n\nChannel 0: That's all good. That's all good. Other than that, just sort of going through so I just also filled out majority of the risk profile for you. Obviously, you do have that cryptocurrency there. You've got a lot of time ahead of you.\n\nJust sort of looking at how, you know, investments are structured with what's happening in the market at the moment. If you did happen to see the markets fall in the next, say, year or two and the market fell by 20%. How do you think you might be feeling? Do you think you might be seeing it as an investment opportunity, a bit excited to put some money in, calling us a bit concerned and seeing what happens, or really anxious about it and maybe wanting to move your money to a more secure asset? How do you think you might feel?\n\nChannel 1: Well, 20% drop's pretty big, but kinda like I don't know. I'd probably leave it just because I know markets working cycles, I guess. So\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: they will eventually come back.\n\nChannel 0: Yep. Yep. Absolutely. Especially in the time frame you've got available to you before accessing super. So absolutely.\n\nThat's a really\n\nChannel 1: Yep.\n\nChannel 0: good answer. Have you ever thought about borrowing in order to invest in, say, investments like shares or managed funds, or do you only ever consider borrowing comfortable for, say, buying property?\n\nChannel 1: Probably I wouldn't probably take loans or a thing to buy shares or anything like that.\n\nChannel 0: Just for the property and the investments that\n\nChannel 1: That's\n\nChannel 0: you\n\nChannel 1: part\n\nChannel 0: got.\n\nChannel 1: of the problem.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Absolutely. Fantastic. So having a look through there now, you did just score as a growth investor. So you are on that growth portfolio at the moment, which is at eighty twenty split to 80% growth investments like Australian equities, international equities, listed property, and also commodities like gold and silver.\n\nAnd then we generally see that 20 in low risk defensive investments, so things like cash, bonds, and fixed interest. It's all part of diversifying your investments and making sure we spread the risk level as far as possible over your investments to mitigate as much market risk as possible, as humanly possible at least, without trumping our back pocket. It's a bit hard. But this sort of portfolio does fit your time horizon. It suits someone who has about six years before accessing their investments, so super you have more than that time horizon ahead of you.\n\nAnd we are sort of averaging an expected return of about seven to 9% there compounding that over time, and we can expect negative years, say, one in every six years there. But, realistically, your time horizon, your risk capacity, and your tolerance, this portfolio does generally suit where you are. Are you comfortable staying in that kind of environment for now?\n\nChannel 1: Yeah. Comfortable in that thing in there.\n\nChannel 0: Yep. Beautiful. Excellent. As I kinda mentioned before, I've sent that annual review pack to you. It does have all the documents I've gone through with regards to your insurance with your super, a rundown of the investment portfolio as well and how all the individual investments have performed.\n\nIt's also got the financial services guide attached, which has all the information on myself as a licensed adviser and Access OQ Financial and your ongoing service agreement as well. So if you're happy to stay on board as a client, we'll get you to sign and return that back for me. In the meantime, do you have any other questions? So is there anything I maybe have not touched on that you wanted to talk about, or is there any additional questions come from anything I've gone through?\n\nChannel 1: No. I think you covered everything. That's fine.\n\nChannel 0: Yep. Oh, all good. Well, what I'll do is to go back is I'll go back and just do some research on the investment side of things for you. Once we do have that all sorted, my team will book you back in. We'll just go back and review the investments you have, look at all the other options for investments, and look at a portfolio that's gonna work harder for you, hopefully save you some money as well, and show you what that looks like over the next sort of five to ten years projected for you.\n\nDoes that sound all cool Oh,\n\nChannel 1: That\n\nChannel 0: okay.\n\nChannel 1: sounds\n\nChannel 0: Sorry.\n\nChannel 1: good.\n\nChannel 0: Your tongue tied.\n\nChannel 1: Yes.\n\nChannel 0: I apologize.\n\nChannel 1: Good. Thank\n\nChannel 0: Oh, good, Michael. Well, look, I will let you go. I know you are busy, but I appreciate you calling me back and going through that one. If you find you have any questions, don't ever hesitate to give me a buzz. Okay?\n\nChannel 1: no worries. Thank you so much.\n\nChannel 0: That's okay. You enjoy the rest of your day.\n\nChannel 1: Okay. See you later. Bye.\n\nChannel 0: Thanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":0.79999995,"end":1.52,"sentiment":"neutral","sentiment_score":0.2213076800107956},{"text":"This is Dana.","start":1.52,"end":2.34,"sentiment":"neutral","sentiment_score":0.12219237039486568}],"sentiment":"neutral","sentiment_score":0.16183849424123764,"channel":0,"num_words":5,"start":0.79999995,"end":2.34},{"sentences":[{"text":"Hi, Dana.","start":3.04,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.046681903302669525},{"text":"It's Samantha.","start":3.6799998,"end":4.42,"sentiment":"neutral","sentiment_score":0.0393700897693634}],"sentiment":"neutral","sentiment_score":0.043025996536016464,"channel":1,"num_words":4,"start":3.04,"end":4.42},{"sentences":[{"text":"Hey.","start":4.7999997,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.00817872304469347},{"text":"I 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good.","start":129.085,"end":129.905,"sentiment":"positive","sentiment_score":0.3853673189878464},{"text":"Do you happen to have a look at your your super very often?","start":130.045,"end":133.66501,"sentiment":"neutral","sentiment_score":0.13800336191287407}],"sentiment":"neutral","sentiment_score":0.19562622641815858,"channel":0,"num_words":17,"start":127.085,"end":133.66501},{"sentences":[{"text":"I did maybe a few weeks ago when I was doing my tax, so I saw it then.","start":134.635,"end":139.535,"sentiment":"neutral","sentiment_score":0.0047542959865596555}],"sentiment":"neutral","sentiment_score":0.0047542959865596555,"channel":1,"num_words":18,"start":134.635,"end":139.535},{"sentences":[{"text":"Yeah.","start":139.31999,"end":139.81999,"sentiment":"neutral","sentiment_score":0.01199141889810562},{"text":"Yep.","start":140.28,"end":140.78,"sentiment":"neutral","sentiment_score":0.014033643528819084},{"text":"No.","start":141.31999,"end":141.48,"sentiment":"neutral","sentiment_score":-0.04841599613428116}],"sentiment":"neutral","sentiment_score":-0.007463644569118817,"channel":0,"num_words":3,"start":139.31999,"end":141.48},{"sentences":[{"text":"But","start":141.34999,"end":141.59,"sentiment":"neutral","sentiment_score":-0.060971204191446304}],"sentiment":"neutral","sentiment_score":-0.060971204191446304,"channel":1,"num_words":1,"start":141.34999,"end":141.59},{"sentences":[{"text":"That's","start":141.48,"end":141.95999,"sentiment":"neutral","sentiment_score":-0.12239408493041992}],"sentiment":"neutral","sentiment_score":-0.12239408493041992,"channel":0,"num_words":1,"start":141.48,"end":141.95999},{"sentences":[{"text":"I don't","start":141.59,"end":142.15,"sentiment":"neutral","sentiment_score":-0.16267792135477066}],"sentiment":"neutral","sentiment_score":-0.16267792135477066,"channel":1,"num_words":2,"start":141.59,"end":142.15},{"sentences":[{"text":"okay.","start":141.95999,"end":142.45999,"sentiment":"neutral","sentiment_score":-0.1697891503572464}],"sentiment":"neutral","sentiment_score":-0.1697891503572464,"channel":0,"num_words":1,"start":141.95999,"end":142.45999},{"sentences":[{"text":"too often.","start":142.31,"end":142.95,"sentiment":"neutral","sentiment_score":-0.13781753927469254},{"text":"Maybe only tax time.","start":142.95,"end":144.41,"sentiment":"neutral","sentiment_score":-0.0826487997546792}],"sentiment":"neutral","sentiment_score":-0.10103837959468365,"channel":1,"num_words":6,"start":142.31,"end":144.41},{"sentences":[{"text":"Yeah.","start":145.31999,"end":145.72,"sentiment":"neutral","sentiment_score":0.0018990617245435717},{"text":"No.","start":145.72,"end":145.87999,"sentiment":"neutral","sentiment_score":-0.009569615125656128},{"text":"That's okay.","start":145.87999,"end":146.68,"sentiment":"neutral","sentiment_score":0.07581845670938492},{"text":"That's not a problem at all.","start":146.68,"end":148.36,"sentiment":"neutral","sentiment_score":0.22611779222885767},{"text":"We're just looking back at your last annual review.","start":148.36,"end":150.59999,"sentiment":"neutral","sentiment_score":0.09616147561205758}],"sentiment":"neutral","sentiment_score":0.1245329680999643,"channel":0,"num_words":19,"start":145.31999,"end":150.59999},{"sentences":[{"text":"Your balance then was about $68,007.56 and 60¢ there.","start":150.59999,"end":156.02501,"sentiment":"neutral","sentiment_score":0.06845473311841488},{"text":"As of the June 17, when which is when we completed the documents here, your annual review is now up to sorry.","start":156.02501,"end":164.10501,"sentiment":"neutral","sentiment_score":0.005202467891980301},{"text":"Your our balance is now up to $89,029.15, and I'm just also updating as of today.","start":164.10501,"end":170.62999,"sentiment":"neutral","sentiment_score":0.0967069452162832},{"text":"So today, we have seen a little bit of a market pullback, so we're at $87.09 $3.01 today.","start":170.62999,"end":176.17,"sentiment":"neutral","sentiment_score":0.04109942105909189},{"text":"So, look, your balance has definitely increased over the last year or so, which is fantastic to see.","start":176.23,"end":182.17,"sentiment":"positive","sentiment_score":0.5728267712725533}],"sentiment":"neutral","sentiment_score":0.16170822858537842,"channel":0,"num_words":83,"start":150.59999,"end":182.17},{"sentences":[{"text":"When I have a look at what has happened performance wise, in the last twelve months, essentially, net of fees, you've received a return of about 10.15 percent.","start":182.445,"end":193.16501,"sentiment":"neutral","sentiment_score":0.28422581564102856},{"text":"So it is really good.","start":193.16501,"end":194.785,"sentiment":"positive","sentiment_score":0.5533754706382752},{"text":"Some people do prefer a dollar figure as opposed to a percentage, so I'd like to make sure I'm giving you that as well.","start":196.33,"end":201.37,"sentiment":"neutral","sentiment_score":0.14578598830848932},{"text":"But it essentially means that earnings out of the portfolio so gross and income has averaged about $9,709.23 for the last twelve months.","start":201.37,"end":211.29,"sentiment":"neutral","sentiment_score":0.10667743250403715},{"text":"So with what's been happening globally with the war between The US and Iran and here in Australia having the higher inflationary rates as well, it's good to see you come out with a good solid return.","start":211.29,"end":222.045,"sentiment":"positive","sentiment_score":0.3859179076310751}],"sentiment":"neutral","sentiment_score":0.2645863883802269,"channel":0,"num_words":117,"start":182.445,"end":222.045},{"sentences":[{"text":"And because you're in a growth portfolio, this sort of a portfolio is averaging trying to obtain around about a seven to 9% return.","start":222.265,"end":229.9,"sentiment":"positive","sentiment_score":0.40759482234716415},{"text":"So a 10.15% return is actually outperforming what we're expecting out of the portfolio for the year.","start":229.9,"end":237.09999,"sentiment":"positive","sentiment_score":0.5313786127988029},{"text":"So it's good to see.","start":237.09999,"end":238.64,"sentiment":"positive","sentiment_score":0.5129769802093506}],"sentiment":"positive","sentiment_score":0.4647955881512683,"channel":0,"num_words":46,"start":222.265,"end":238.64},{"sentences":[{"text":"Yes.","start":239.23,"end":239.55,"sentiment":"positive","sentiment_score":0.4334602952003479},{"text":"Beautiful.","start":239.55,"end":240.05,"sentiment":"positive","sentiment_score":0.6443864107131958}],"sentiment":"positive","sentiment_score":0.5389233529567719,"channel":1,"num_words":2,"start":239.23,"end":240.05},{"sentences":[{"text":"Yeah.","start":241.235,"end":241.735,"sentiment":"neutral","sentiment_score":0.30031445622444153},{"text":"As I currently just mentioned before, I do wanna do a little bit of advice for you.","start":242.915,"end":246.83499,"sentiment":"neutral","sentiment_score":0.12715068415683858},{"text":"So I've had a bit of a look at your investments, how they're structured, and what's been happening with them.","start":246.83499,"end":251.875,"sentiment":"neutral","sentiment_score":0.07677761632949114},{"text":"Your portfolio has done well.","start":251.875,"end":253.555,"sentiment":"positive","sentiment_score":0.39610604047775266},{"text":"You are up for the year, but I can see one investment that is underperforming a little bit, and that's having a bit of an effect on your portfolio.","start":253.555,"end":261.29,"sentiment":"neutral","sentiment_score":-0.06122169823482119}],"sentiment":"neutral","sentiment_score":0.058368463431381516,"channel":0,"num_words":72,"start":241.235,"end":261.29},{"sentences":[{"text":"So I would like to, if you're comfortable with me, maybe swapping that out for you.","start":261.51,"end":266.71,"sentiment":"neutral","sentiment_score":-0.003335091460030526},{"text":"I'm not sure if you've had a look and seen, but you do have the Benelon concentrated Australian equities investment in your portfolio.","start":266.71,"end":273.66498,"sentiment":"neutral","sentiment_score":-0.04043988640541616},{"text":"And that is the one there that is sort of holding back a little bit.","start":274.44498,"end":278.38498,"sentiment":"neutral","sentiment_score":-0.16566902349392573},{"text":"When we consider that against the Aussie market, it's actually underperforming pretty significantly, whereas the Aussie market, while it's had the ups and downs this year, it actually is still performing quite well and is seeing an increase.","start":278.845,"end":291.07,"sentiment":"neutral","sentiment_score":-0.014780548940363684},{"text":"So the underperformance with Bannalong has actually got more to do with the investment rather than the market concerns itself.","start":291.07,"end":297.75497,"sentiment":"neutral","sentiment_score":-0.04612229196354747}],"sentiment":"neutral","sentiment_score":-0.04421982948302424,"channel":0,"num_words":112,"start":261.51,"end":297.75497},{"sentences":[{"text":"So if you're comfortable, I would love to go back and just maybe do a bit of an investment switch and look at updating the portfolio for you and just remove the underperforming investment.","start":298.375,"end":307.335,"sentiment":"neutral","sentiment_score":0.07188306469470263},{"text":"Does that sound okay?","start":307.335,"end":308.47498,"sentiment":"neutral","sentiment_score":0.08380881603807211}],"sentiment":"neutral","sentiment_score":0.0731384069413731,"channel":0,"num_words":38,"start":298.375,"end":308.47498},{"sentences":[{"text":"Yeah.","start":308.815,"end":308.975,"sentiment":"neutral","sentiment_score":0.08965998888015747},{"text":"That sounds fine by me.","start":308.975,"end":310.26,"sentiment":"neutral","sentiment_score":0.14644792079925537}],"sentiment":"neutral","sentiment_score":0.13698326547940573,"channel":1,"num_words":6,"start":308.815,"end":310.26},{"sentences":[{"text":"Yep.","start":310.91,"end":311.38998,"sentiment":"neutral","sentiment_score":0.1751776933670044},{"text":"Fantastic.","start":311.38998,"end":311.88998,"sentiment":"positive","sentiment_score":0.408372014760971},{"text":"Now one of the things I do like to clarify when I am doing the switches and readjusting the portfolio.","start":312.35,"end":317.01,"sentiment":"neutral","sentiment_score":0.0852521451190114},{"text":"Essentially, Banner Long is more of an actively managed fund.","start":317.55,"end":320.61,"sentiment":"neutral","sentiment_score":0.062085249461233616},{"text":"Now having a look at where you are, your stage in life, you're still very young.","start":320.99,"end":324.46503,"sentiment":"neutral","sentiment_score":0.029646475333720446}],"sentiment":"neutral","sentiment_score":0.07049559813458472,"channel":0,"num_words":48,"start":310.91,"end":324.46503},{"sentences":[{"text":"You've got a lot of time ahead of you.","start":324.46503,"end":326.325,"sentiment":"neutral","sentiment_score":-0.023485854268074036},{"text":"It's a good thing and, you know, annoying.","start":327.02502,"end":329.285,"sentiment":"neutral","sentiment_score":0.012740381062030792},{"text":"We have a lot of working life ahead of us, 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time,","start":332.625,"end":333.42502,"sentiment":"neutral","sentiment_score":-0.11434395238757133}],"sentiment":"neutral","sentiment_score":-0.11434395238757133,"channel":0,"num_words":2,"start":332.625,"end":333.42502},{"sentences":[{"text":"right.","start":333.07498,"end":333.57498,"sentiment":"neutral","sentiment_score":-0.025518059730529785}],"sentiment":"neutral","sentiment_score":-0.025518059730529785,"channel":1,"num_words":1,"start":333.07498,"end":333.57498},{"sentences":[{"text":"it's at the same time, it's a good thing because it means we have a lot of compounding ahead of us as well when it comes to our safety and the investments.","start":333.42502,"end":341.66,"sentiment":"positive","sentiment_score":0.4221737291663885},{"text":"Essentially, we've done a long I can look to replace that with another actively managed fund if you like.","start":342.91998,"end":349.25998,"sentiment":"neutral","sentiment_score":0.09168928606729758},{"text":"Generally, in an actively managed fund, the fund manager is trying to buy and sell and outperform against the market.","start":349.56,"end":355.36502,"sentiment":"neutral","sentiment_score":0.1069477941840887},{"text":"They're trying to time the market.","start":355.36502,"end":356.725,"sentiment":"neutral","sentiment_score":0.0671913530677557},{"text":"And when you look at investment fees, it can be a little bit higher to have that kind of active management in your portfolio.","start":356.725,"end":362.745,"sentiment":"neutral","sentiment_score":0.03811451466754079}],"sentiment":"neutral","sentiment_score":0.18523275369022152,"channel":0,"num_words":101,"start":333.42502,"end":362.745},{"sentences":[{"text":"Alternatively, if you like, I can look at an investment that might be a bit cheaper, save you on fees, keep more money invested in your super, still performing just as well, and making sure we're diversifying as much as we can, but just sort of trying to save a little bit of fees in the meantime.","start":363.765,"end":379.75998,"sentiment":"neutral","sentiment_score":0.26601790597564295},{"text":"Which way would you like me to go?","start":380.3,"end":382.31998,"sentiment":"neutral","sentiment_score":0.07351729553192854},{"text":"Sorry.","start":385.745,"end":386.245,"sentiment":"neutral","sentiment_score":-0.07675409317016602}],"sentiment":"neutral","sentiment_score":0.23749098351055925,"channel":0,"num_words":66,"start":363.765,"end":386.245},{"sentences":[{"text":"Yes.","start":387.07,"end":387.15,"sentiment":"neutral","sentiment_score":0.023321647197008133},{"text":"That's it.","start":387.15,"end":388.05,"sentiment":"neutral","sentiment_score":-0.028468867763876915},{"text":"Yeah.","start":391.63,"end":392.11002,"sentiment":"neutral","sentiment_score":0.0400199331343174},{"text":"God.","start":392.11002,"end":392.43,"sentiment":"neutral","sentiment_score":0.007177185267210007},{"text":"Maybe probably minimizing the fees and all that.","start":392.43,"end":394.77,"sentiment":"neutral","sentiment_score":-0.020661501679569483}],"sentiment":"neutral","sentiment_score":-0.011670075643521089,"channel":1,"num_words":13,"start":387.07,"end":394.77},{"sentences":[{"text":"Yeah.","start":395.52,"end":395.84,"sentiment":"neutral","sentiment_score":0.1805652379989624},{"text":"Yeah.","start":395.84,"end":396.24,"sentiment":"neutral","sentiment_score":0.2719913423061371},{"text":"Definitely.","start":396.24,"end":396.74,"sentiment":"positive","sentiment_score":0.42064136266708374},{"text":"I've got a couple of different options that we can utilize.","start":397.03998,"end":399.69998,"sentiment":"neutral","sentiment_score":0.3056352517821572},{"text":"And, look, honestly, with your balance, one of the hardest things when we're starting to get our super up and working is we slug it out to get the money in and to get the super balance up over that sort of $253,100,000 dollar mark.","start":400.63998,"end":414.025,"sentiment":"neutral","sentiment_score":0.11537369528216207}],"sentiment":"neutral","sentiment_score":0.15977969491988483,"channel":0,"num_words":59,"start":395.52,"end":414.025},{"sentences":[{"text":"Once it hits that mark, the compounding is so much bigger, and it actually tends to build a lot faster.","start":414.16498,"end":420.905,"sentiment":"neutral","sentiment_score":0.29902678206562994},{"text":"So if we can save some fees in your portfolio now, keep the diversification and keep the super working as hard as it can, we'll get up to that mark pretty quickly there.","start":421.44998,"end":430.72998,"sentiment":"positive","sentiment_score":0.5608535440582217},{"text":"So if you like,","start":430.72998,"end":431.44998,"sentiment":"neutral","sentiment_score":0.1779626626521349}],"sentiment":"positive","sentiment_score":0.44211496922530624,"channel":0,"num_words":57,"start":414.16498,"end":431.44998},{"sentences":[{"text":"Yep.","start":431.255,"end":431.755,"sentiment":"neutral","sentiment_score":0.15514656901359558}],"sentiment":"neutral","sentiment_score":0.15514656901359558,"channel":1,"num_words":1,"start":431.255,"end":431.755},{"sentences":[{"text":"I'll go back and review the investments, have a look at how things are structured.","start":431.44998,"end":435.585,"sentiment":"neutral","sentiment_score":0.161353649944067},{"text":"I'll have a look at whether any rebalancing needs to occur in your portfolio or whether there's maybe some different way of restructuring some of the investments, and I'll come back and update the advice.","start":435.645,"end":446.785,"sentiment":"neutral","sentiment_score":0.013028320022671583},{"text":"I'll go through that with you if you're okay with that, And","start":446.845,"end":449.86,"sentiment":"neutral","sentiment_score":0.06058444222435355}],"sentiment":"neutral","sentiment_score":0.05811789123623795,"channel":0,"num_words":62,"start":431.44998,"end":449.86},{"sentences":[{"text":"Yes.","start":449.75,"end":449.985,"sentiment":"neutral","sentiment_score":0.038511037826538086}],"sentiment":"neutral","sentiment_score":0.038511037826538086,"channel":1,"num_words":1,"start":449.75,"end":449.985},{"sentences":[{"text":"then you get to decide whether you take the advice or not.","start":449.86,"end":452.66,"sentiment":"neutral","sentiment_score":0.035893862756590046},{"text":"How does that sound?","start":452.66,"end":453.72,"sentiment":"neutral","sentiment_score":0.06661704741418362}],"sentiment":"neutral","sentiment_score":0.04357465892098844,"channel":0,"num_words":16,"start":449.86,"end":453.72},{"sentences":[{"text":"Yeah.","start":453.745,"end":453.985,"sentiment":"neutral","sentiment_score":0.19151437282562256},{"text":"That sounds good.","start":453.985,"end":454.965,"sentiment":"positive","sentiment_score":0.41786375641822815}],"sentiment":"positive","sentiment_score":0.36127641052007675,"channel":1,"num_words":4,"start":453.745,"end":454.965},{"sentences":[{"text":"Yeah.","start":455.62,"end":456.12,"sentiment":"neutral","sentiment_score":0.30537331104278564},{"text":"Beautiful.","start":456.18,"end":456.68,"sentiment":"positive","sentiment_score":0.5637767314910889},{"text":"All good.","start":456.9,"end":457.38,"sentiment":"positive","sentiment_score":0.510670006275177},{"text":"Well, I'm happy to see your portfolio is doing well, but we wanna make sure it continues to do well.","start":457.38,"end":462.02,"sentiment":"positive","sentiment_score":0.5889364659786225},{"text":"So reviewing those investments and updating them every so often is definitely important as part of the structured advice and making sure we're working towards your 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good.","start":473.585,"end":474.32498,"sentiment":"positive","sentiment_score":0.38801901042461395},{"text":"Now I can see also here, looking at the insurance side of things, so you do have with your Neos life there, you've got some life, some TPD, and some income protection.","start":474.96002,"end":484.1,"sentiment":"neutral","sentiment_score":0.07989781931973994},{"text":"Your life cover, you currently have the sum insured of 1,487,508.","start":485.04,"end":492.195,"sentiment":"neutral","sentiment_score":0.04872463846748525},{"text":"In the event of, say, you passing away and I'm just having a look.","start":493.375,"end":496.895,"sentiment":"neutral","sentiment_score":-0.013795987237244844}],"sentiment":"neutral","sentiment_score":0.0684794174041599,"channel":0,"num_words":60,"start":472.705,"end":496.895},{"sentences":[{"text":"So you're looking at your circumstances.","start":496.895,"end":498.995,"sentiment":"neutral","sentiment_score":0.008413801124940315},{"text":"You're married and you've got two kids at home.","start":499.215,"end":501.31,"sentiment":"neutral","sentiment_score":0.006958308923963664},{"text":"Is that right?","start":501.31,"end":501.94998,"sentiment":"neutral","sentiment_score":0.023846277967095375},{"text":"Or one child.","start":501.94998,"end":502.66998,"sentiment":"neutral","sentiment_score":-0.0003715775286157926}],"sentiment":"neutral","sentiment_score":0.008739604208607315,"channel":0,"num_words":21,"start":496.895,"end":502.66998},{"sentences":[{"text":"That's correct.","start":502.37,"end":503.11,"sentiment":"neutral","sentiment_score":0.02947231102734804}],"sentiment":"neutral","sentiment_score":0.02947231102734804,"channel":1,"num_words":2,"start":502.37,"end":503.11},{"sentences":[{"text":"Sorry.","start":502.66998,"end":503.16998,"sentiment":"neutral","sentiment_score":-0.039189063012599945}],"sentiment":"neutral","sentiment_score":-0.039189063012599945,"channel":0,"num_words":1,"start":502.66998,"end":503.16998},{"sentences":[{"text":"Two kids now.","start":503.73,"end":504.79,"sentiment":"neutral","sentiment_score":-0.022053712358077366}],"sentiment":"neutral","sentiment_score":-0.022053712358077366,"channel":1,"num_words":3,"start":503.73,"end":504.79},{"sentences":[{"text":"Two kids now.","start":505.38998,"end":506.35,"sentiment":"neutral","sentiment_score":0.008036091302831968},{"text":"Beautiful.","start":506.35,"end":506.85,"sentiment":"neutral","sentiment_score":0.266084760427475}],"sentiment":"neutral","sentiment_score":0.07254825858399272,"channel":0,"num_words":4,"start":505.38998,"end":506.85},{"sentences":[{"text":"Yep.","start":507.165,"end":507.665,"sentiment":"neutral","sentiment_score":0.15362763404846191}],"sentiment":"neutral","sentiment_score":0.15362763404846191,"channel":1,"num_words":1,"start":507.165,"end":507.665},{"sentences":[{"text":"Excellent.","start":507.22998,"end":507.72998,"sentiment":"neutral","sentiment_score":0.24674199521541595},{"text":"So in the event, let's say, something occurring and you passed me away prematurely, obviously, your life insurance is paid out, and I believe you've got your spouse here as your beneficiary on that one, so Rebecca.","start":508.99,"end":519.475,"sentiment":"neutral","sentiment_score":0.0364522602711175},{"text":"She would receive that $11,487,508, but then your super balance can also be paid out on top of that.","start":520.895,"end":528.835,"sentiment":"neutral","sentiment_score":0.104637248343543},{"text":"Do you feel like that is a comfortable level of cover?","start":529.43,"end":532.31,"sentiment":"neutral","sentiment_score":0.010610126636245033},{"text":"Did you wanna look at reviewing that at all?","start":532.31,"end":534.41,"sentiment":"neutral","sentiment_score":-0.0036131547143061957}],"sentiment":"neutral","sentiment_score":0.047633459017454804,"channel":0,"num_words":77,"start":507.22998,"end":534.41},{"sentences":[{"text":"No.","start":534.825,"end":535.145,"sentiment":"neutral","sentiment_score":-0.14885160326957703},{"text":"For now, that's pretty I'm pretty comfortable with that.","start":535.145,"end":537.325,"sentiment":"neutral","sentiment_score":-0.07918020751741198}],"sentiment":"neutral","sentiment_score":-0.08614734709262847,"channel":1,"num_words":10,"start":534.825,"end":537.325},{"sentences":[{"text":"Yep.","start":537.67,"end":537.99,"sentiment":"neutral","sentiment_score":0.07268812507390976},{"text":"Yep.","start":537.99,"end":538.23,"sentiment":"neutral","sentiment_score":0.10700492560863496},{"text":"Beautiful.","start":538.23,"end":538.73,"sentiment":"neutral","sentiment_score":0.27309784293174744},{"text":"And then with TBD, that's obviously a total time of disability.","start":539.11,"end":542.55,"sentiment":"neutral","sentiment_score":0.02399946791543202},{"text":"So it pays out either a lump sum benefit or an income stream if you're unable to ever go back to work again.","start":542.55,"end":548.135,"sentiment":"neutral","sentiment_score":0.03602320587505465}],"sentiment":"neutral","sentiment_score":0.04176537231919733,"channel":0,"num_words":37,"start":537.67,"end":548.135},{"sentences":[{"text":"You do have the exact amount the same amount of TBD as life.","start":548.275,"end":552.295,"sentiment":"neutral","sentiment_score":0.039363959264637045},{"text":"Now I do like to make sure I'm giving you some information.","start":552.515,"end":554.855,"sentiment":"neutral","sentiment_score":0.040362569193045296},{"text":"So just so you're fully aware, if TBD was claimed successfully and you're under the age of 60, it does unfortunately mean that taxes applied to to the benefit.","start":554.915,"end":564.58,"sentiment":"neutral","sentiment_score":-0.18085492723460855},{"text":"So it means the amount that you're insured for isn't necessarily the amount that you would get.","start":565.2,"end":569.94,"sentiment":"neutral","sentiment_score":-0.19987366479985855},{"text":"However, as advisers, if you do happen to claim CBD, we will help you with the claim, and then we'll also provide advice on how best to structure and how to limit the tax and how to make the best out of that.","start":570.575,"end":582.35504,"sentiment":"neutral","sentiment_score":0.11899991108234538}],"sentiment":"neutral","sentiment_score":-0.022189181702662864,"channel":0,"num_words":114,"start":548.275,"end":582.35504},{"sentences":[{"text":"And we can also look to access your super under the permanent incapacity as well.","start":583.16,"end":587.8,"sentiment":"neutral","sentiment_score":0.07125997307399909},{"text":"So there's an extra benefit that you could also have paid out.","start":587.8,"end":591.01996,"sentiment":"neutral","sentiment_score":0.05566795480748018},{"text":"I know, unfortunately, the tax component isn't great, but as I said, we would try to limit that as much possible.","start":591.95996,"end":598.21497,"sentiment":"neutral","sentiment_score":-0.2356418612457457},{"text":"But do you feel comfortable with the level of TBD you have at the moment being at that 1,400,000, or did you wanna maybe look at reviewing that and assess, you know, a better lump sum?","start":598.21497,"end":608.315,"sentiment":"neutral","sentiment_score":0.026871099033289485}],"sentiment":"neutral","sentiment_score":-0.0267167198471725,"channel":0,"num_words":84,"start":583.16,"end":608.315},{"sentences":[{"text":"I'm okay with that at the moment.","start":609.385,"end":611.005,"sentiment":"neutral","sentiment_score":0.07775476574897766}],"sentiment":"neutral","sentiment_score":0.07775476574897766,"channel":1,"num_words":7,"start":609.385,"end":611.005},{"sentences":[{"text":"Yeah.","start":611.79004,"end":612.29004,"sentiment":"neutral","sentiment_score":0.06543467193841934},{"text":"That's okay.","start":613.39,"end":614.29004,"sentiment":"neutral","sentiment_score":0.11110235750675201},{"text":"I'm not sure if anyone's kinda gone through how CBD works for the tax implications around any of that, but did you have any questions?","start":614.35004,"end":620.75,"sentiment":"neutral","sentiment_score":0.01590784133877605},{"text":"I didn't want us to bombard you with information and not allow you to ask any questions around it.","start":620.75,"end":625.33,"sentiment":"negative","sentiment_score":-0.36472004495168986}],"sentiment":"neutral","sentiment_score":-0.1328584134821443,"channel":0,"num_words":47,"start":611.79004,"end":625.33},{"sentences":[{"text":"That that had no questions.","start":625.44,"end":626.56,"sentiment":"neutral","sentiment_score":-0.3111654192209244},{"text":"You can keep going.","start":626.56,"end":627.94,"sentiment":"neutral","sentiment_score":-0.05530572682619095}],"sentiment":"neutral","sentiment_score":-0.19745000037882063,"channel":1,"num_words":9,"start":625.44,"end":627.94},{"sentences":[{"text":"Easy.","start":628.815,"end":629.295,"sentiment":"neutral","sentiment_score":0.26105374097824097},{"text":"All good.","start":629.295,"end":629.695,"sentiment":"neutral","sentiment_score":0.32876062393188477},{"text":"If you ever do have questions or wanted to kind of run through things more than that, please let me know.","start":629.695,"end":634.355,"sentiment":"neutral","sentiment_score":0.031221273754324232},{"text":"I","start":634.575,"end":634.735,"sentiment":"neutral","sentiment_score":-0.06732778251171112}],"sentiment":"neutral","sentiment_score":0.06027575820684433,"channel":0,"num_words":25,"start":628.815,"end":634.735},{"sentences":[{"text":"Yep.","start":634.72,"end":635.22,"sentiment":"neutral","sentiment_score":-0.11162828654050828}],"sentiment":"neutral","sentiment_score":-0.11162828654050828,"channel":1,"num_words":1,"start":634.72,"end":635.22},{"sentences":[{"text":"think I personally disagree with it.","start":634.735,"end":636.33496,"sentiment":"negative","sentiment_score":-0.4331836700439453},{"text":"I think if you're incapacitated or disabled, the last thing the government should be doing is charging you tax.","start":636.33496,"end":641.455,"sentiment":"negative","sentiment_score":-0.5959010892792752},{"text":"I think that is","start":641.455,"end":642.15,"sentiment":"negative","sentiment_score":-0.5616090148687363}],"sentiment":"negative","sentiment_score":-0.5575054750360292,"channel":0,"num_words":29,"start":634.735,"end":642.15},{"sentences":[{"text":"Yeah.","start":642.205,"end":642.525,"sentiment":"negative","sentiment_score":-0.6223469972610474}],"sentiment":"negative","sentiment_score":-0.6223469972610474,"channel":1,"num_words":1,"start":642.205,"end":642.525},{"sentences":[{"text":"disgraceful.","start":642.39,"end":642.89,"sentiment":"negative","sentiment_score":-0.8123405575752258}],"sentiment":"negative","sentiment_score":-0.8123405575752258,"channel":0,"num_words":1,"start":642.39,"end":642.89},{"sentences":[{"text":"I know.","start":642.525,"end":643.185,"sentiment":"negative","sentiment_score":-0.44713810086250305},{"text":"We're paying up tax already, don't we?","start":645.085,"end":647.10504,"sentiment":"negative","sentiment_score":-0.41190518013068605}],"sentiment":"negative","sentiment_score":-0.41973471807108986,"channel":1,"num_words":9,"start":642.525,"end":647.10504},{"sentences":[{"text":"Oh, absolutely.","start":647.51,"end":648.25,"sentiment":"neutral","sentiment_score":0.0224897600710392},{"text":"With the income protection benefit you do have here as well.","start":649.99005,"end":653.19,"sentiment":"neutral","sentiment_score":0.0881163098595359},{"text":"So it does cover a monthly benefit amount pretax of 5,099.","start":653.19,"end":659.065,"sentiment":"neutral","sentiment_score":0.08464929427612912},{"text":"I've got your income here as about 80,000 per annum.","start":659.065,"end":662.505,"sentiment":"neutral","sentiment_score":0.05713310949504376},{"text":"Is that right?","start":662.505,"end":663.325,"sentiment":"neutral","sentiment_score":0.07887272412578265}],"sentiment":"neutral","sentiment_score":0.07441487656654538,"channel":0,"num_words":37,"start":647.51,"end":663.325},{"sentences":[{"text":"That's correct.","start":663.86,"end":664.58,"sentiment":"neutral","sentiment_score":0.11390956863760948},{"text":"Yep.","start":664.58,"end":665.08,"sentiment":"neutral","sentiment_score":0.07081472873687744}],"sentiment":"neutral","sentiment_score":0.09954462200403214,"channel":1,"num_words":3,"start":663.86,"end":665.08},{"sentences":[{"text":"Yep.","start":665.625,"end":665.945,"sentiment":"neutral","sentiment_score":0.08542436361312866},{"text":"Beautiful.","start":665.945,"end":666.425,"sentiment":"neutral","sentiment_score":0.2743777632713318},{"text":"Are you due for an increase","start":666.425,"end":667.705,"sentiment":"neutral","sentiment_score":-0.04973892370859782}],"sentiment":"neutral","sentiment_score":0.007671073079109192,"channel":0,"num_words":8,"start":665.625,"end":667.705},{"sentences":[{"text":"Sorry.","start":667.565,"end":667.805,"sentiment":"neutral","sentiment_score":-0.06868135929107666}],"sentiment":"neutral","sentiment_score":-0.06868135929107666,"channel":1,"num_words":1,"start":667.565,"end":667.805},{"sentences":[{"text":"on","start":667.705,"end":667.865,"sentiment":"neutral","sentiment_score":0.01882317289710045}],"sentiment":"neutral","sentiment_score":0.01882317289710045,"channel":0,"num_words":1,"start":667.705,"end":667.865},{"sentences":[{"text":"That's","start":667.805,"end":667.96497,"sentiment":"neutral","sentiment_score":0.050288110971450806}],"sentiment":"neutral","sentiment_score":0.050288110971450806,"channel":1,"num_words":1,"start":667.805,"end":667.96497},{"sentences":[{"text":"that this","start":667.865,"end":668.265,"sentiment":"neutral","sentiment_score":0.06282515451312065}],"sentiment":"neutral","sentiment_score":0.06282515451312065,"channel":0,"num_words":2,"start":667.865,"end":668.265},{"sentences":[{"text":"it's gone up to","start":668.125,"end":669.005,"sentiment":"neutral","sentiment_score":0.08400304056704044}],"sentiment":"neutral","sentiment_score":0.08400304056704044,"channel":1,"num_words":4,"start":668.125,"end":669.005},{"sentences":[{"text":"yes.","start":668.905,"end":669.405,"sentiment":"neutral","sentiment_score":0.04758330434560776}],"sentiment":"neutral","sentiment_score":0.04758330434560776,"channel":0,"num_words":1,"start":668.905,"end":669.405},{"sentences":[{"text":"about 85 now.","start":669.005,"end":670.04504,"sentiment":"neutral","sentiment_score":0.015574160342415174},{"text":"Sorry.","start":670.04504,"end":670.54504,"sentiment":"neutral","sentiment_score":0.011640042066574097}],"sentiment":"neutral","sentiment_score":0.014590630773454905,"channel":1,"num_words":4,"start":669.005,"end":670.54504},{"sentences":[{"text":"Okay.","start":671.01996,"end":671.33997,"sentiment":"neutral","sentiment_score":0.05640626326203346},{"text":"No.","start":671.33997,"end":671.57996,"sentiment":"neutral","sentiment_score":0.08830733597278595},{"text":"That's absolutely fine, and congratulations on the increase.","start":671.57996,"end":674.54,"sentiment":"positive","sentiment_score":0.6901538223028183},{"text":"It's well deserved.","start":674.54,"end":675.44,"sentiment":"positive","sentiment_score":0.7722800374031067}],"sentiment":"positive","sentiment_score":0.614060329989745,"channel":0,"num_words":13,"start":671.01996,"end":675.44},{"sentences":[{"text":"Yeah.","start":676.205,"end":676.705,"sentiment":"positive","sentiment_score":0.4641557931900024},{"text":"Thank you.","start":676.765,"end":677.505,"sentiment":"positive","sentiment_score":0.6426312327384949}],"sentiment":"positive","sentiment_score":0.5831394195556641,"channel":1,"num_words":3,"start":676.205,"end":677.505},{"sentences":[{"text":"So so with the benefit amount, to cover you for up to 70% of your current income at 85,000 per annum, we would need to cover you for a monthly benefit of 4,958 and 33¢.","start":677.74,"end":690.195,"sentiment":"neutral","sentiment_score":0.09046320178929497},{"text":"So with your income protection, it does show you're a little bit over insured at the moment.","start":690.195,"end":694.85504,"sentiment":"neutral","sentiment_score":0.03835362897199743},{"text":"However, that amount could still be applicable if you've got an increase coming in the next few months.","start":694.91504,"end":701.19,"sentiment":"neutral","sentiment_score":0.05806498519248433},{"text":"If, you know, you get additional bonuses and things like that on a regular basis, you could be able to claim that higher amount.","start":701.57,"end":707.67004,"sentiment":"neutral","sentiment_score":0.20387640160818896},{"text":"If you did look to reduce your income protection benefit back.","start":708.45,"end":712.015,"sentiment":"neutral","sentiment_score":-0.08473519709977237}],"sentiment":"neutral","sentiment_score":0.08397958420503598,"channel":0,"num_words":105,"start":677.74,"end":712.015},{"sentences":[{"text":"It does make the cost a little bit cheaper in saying that if you then had to increase it back, we have to go to another application.","start":712.015,"end":718.915,"sentiment":"neutral","sentiment_score":-0.09814489784616011},{"text":"So do you feel comfortable leaving your income protection benefit at the amount that it is, or did you wanna look at reducing that a little bit?","start":719.135,"end":726.755,"sentiment":"neutral","sentiment_score":-0.04984325660323655}],"sentiment":"neutral","sentiment_score":-0.07399407722469833,"channel":0,"num_words":54,"start":712.015,"end":726.755},{"sentences":[{"text":"I'm happy to just delete it, to be honest with you, 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that.","start":731.425,"end":733.445,"sentiment":"neutral","sentiment_score":0.23571912106126547}],"sentiment":"neutral","sentiment_score":0.23571912106126547,"channel":1,"num_words":8,"start":731.425,"end":733.445},{"sentences":[{"text":"Yeah.","start":733.49,"end":733.99,"sentiment":"neutral","sentiment_score":0.1232082098722458},{"text":"Well, the good thing about the way these are structured is we do also have the inflation benefit in there.","start":734.13,"end":739.17,"sentiment":"neutral","sentiment_score":0.30607336908578875},{"text":"So it does mean that every year that these insurance premiums go through their renewal process, they're gonna increase along with CPI.","start":739.17,"end":746.095,"sentiment":"neutral","sentiment_score":0.2375120852481235},{"text":"So it does mean that the policy the cost of the policy increases, but it also means the policy itself increases as well.","start":746.15497,"end":753.275,"sentiment":"neutral","sentiment_score":0.2781130593755971},{"text":"And these kinds of increases are really beneficial because it's basically, like, a little increase to the policy without any additional underwriting.","start":753.275,"end":761.14,"sentiment":"positive","sentiment_score":0.3510594086890871}],"sentiment":"neutral","sentiment_score":0.29079373663460667,"channel":0,"num_words":88,"start":733.49,"end":761.14},{"sentences":[{"text":"And because our health can change as they get older, I'm sure you're beautiful and healthy, but some people, we do find their health does deteriorate.","start":761.28,"end":769.395,"sentiment":"neutral","sentiment_score":-0.017452285839961126},{"text":"They end up with back issues, leg issues, and things like that.","start":769.455,"end":772.335,"sentiment":"neutral","sentiment_score":-0.20636215806007385},{"text":"And when we increase or change an insurance application, if there's any preexisting conditions, they are generally excluded from the policy.","start":772.335,"end":780.11505,"sentiment":"neutral","sentiment_score":-0.12157282144540832},{"text":"So keeping these increases along with CPI each year is kind of beneficial because they're not underwritten, and the policy just kinda keeps increasing the idea of income protection.","start":781.54,"end":791.88,"sentiment":"positive","sentiment_score":0.548290288653867},{"text":"You wanna make sure it increases along with your wage increases.","start":792.26,"end":795.16,"sentiment":"neutral","sentiment_score":0.28823875703594903}],"sentiment":"neutral","sentiment_score":0.13725161736812255,"channel":0,"num_words":99,"start":761.28,"end":795.16},{"sentences":[{"text":"Sometimes it","start":795.825,"end":796.465,"sentiment":"neutral","sentiment_score":0.12849809601902962}],"sentiment":"neutral","sentiment_score":0.12849809601902962,"channel":0,"num_words":2,"start":795.825,"end":796.465},{"sentences":[{"text":"Yep.","start":796.26,"end":796.76,"sentiment":"neutral","sentiment_score":0.1212134286761284}],"sentiment":"neutral","sentiment_score":0.1212134286761284,"channel":1,"num_words":1,"start":796.26,"end":796.76},{"sentences":[{"text":"increases more than wages, but having a little bit more protection there both, you know, if you have been a claim, you might not be able to claim the entire amount.","start":796.465,"end":804.965,"sentiment":"neutral","sentiment_score":0.18118515081944003},{"text":"It does mean you're more likely to get the amount you need rather than being underinsured at the same time.","start":805.10504,"end":810.95996,"sentiment":"neutral","sentiment_score":0.21125123500823975},{"text":"Does that make","start":810.95996,"end":811.69995,"sentiment":"neutral","sentiment_score":0.09682766099770863}],"sentiment":"neutral","sentiment_score":0.1876342103437141,"channel":0,"num_words":54,"start":796.465,"end":811.69995},{"sentences":[{"text":"That makes sense.","start":812.185,"end":812.905,"sentiment":"neutral","sentiment_score":0.13586211701234183},{"text":"Yep.","start":812.905,"end":813.405,"sentiment":"neutral","sentiment_score":0.1254248470067978}],"sentiment":"neutral","sentiment_score":0.1332527995109558,"channel":1,"num_words":4,"start":812.185,"end":813.405},{"sentences":[{"text":"sense?","start":813.51996,"end":813.83997,"sentiment":"neutral","sentiment_score":0.11498069763183594},{"text":"Yeah.","start":813.83997,"end":814.24,"sentiment":"neutral","sentiment_score":0.21939073503017423},{"text":"Beautiful.","start":814.24,"end":814.74,"sentiment":"positive","sentiment_score":0.47609543800354},{"text":"So I'll leave that as it is.","start":814.8,"end":816.33997,"sentiment":"neutral","sentiment_score":0.3294707387685776},{"text":"You've got a four week waiting period and a five year benefit period.","start":816.39996,"end":819.51996,"sentiment":"neutral","sentiment_score":0.24368921266152307}],"sentiment":"neutral","sentiment_score":0.27324877420197363,"channel":0,"num_words":23,"start":813.51996,"end":819.51996},{"sentences":[{"text":"They're pretty stock standard, essentially.","start":819.51996,"end":821.12,"sentiment":"neutral","sentiment_score":0.285696941614151},{"text":"You just have to be off work for a four weeks prior to making your claim, and you can be on a claim for up to five years as well.","start":821.12,"end":827.79504,"sentiment":"neutral","sentiment_score":0.2089389664431413},{"text":"Do you have any questions about income protection, how it works, or with the benefit of waiting periods at all?","start":828.17505,"end":834.03503,"sentiment":"neutral","sentiment_score":0.061107839457690716}],"sentiment":"neutral","sentiment_score":0.1621601907367056,"channel":0,"num_words":55,"start":819.51996,"end":834.03503},{"sentences":[{"text":"Not my questions on that.","start":834.535,"end":835.915,"sentiment":"neutral","sentiment_score":-0.004163140803575516}],"sentiment":"neutral","sentiment_score":-0.004163140803575516,"channel":1,"num_words":5,"start":834.535,"end":835.915},{"sentences":[{"text":"Easy.","start":836.73505,"end":837.23505,"sentiment":"neutral","sentiment_score":0.06257830560207367},{"text":"It does look like you don't have any external other insurances like trauma.","start":837.71,"end":842.03,"sentiment":"neutral","sentiment_score":-0.01523021761414174},{"text":"And because you do have kids, you can also access other insurances like child trauma.","start":842.03,"end":846.93,"sentiment":"neutral","sentiment_score":0.05832652524113655},{"text":"Trauma and child trauma tend to pay out, like, a lump sum tax rate benefit in the event that you say yourself or your kids are diagnosed with, say, a major illness like cancer, the the adult trauma, heart attack, strokes, Parkinson's, things like that, for all these sorts of trauma covers insurances.","start":847.39,"end":867.73004,"sentiment":"neutral","sentiment_score":0.012582262015883933},{"text":"Sorry.","start":867.73004,"end":868.23004,"sentiment":"neutral","sentiment_score":-0.12037177383899687}],"sentiment":"neutral","sentiment_score":0.01549363214744736,"channel":0,"num_words":83,"start":836.73505,"end":868.23004},{"sentences":[{"text":"Cancer seems to be the biggest one that it does tend to pay out on.","start":868.85004,"end":872.23004,"sentiment":"neutral","sentiment_score":-0.17122069448232652},{"text":"Unlike life, t to d income protection, you can't actually hold trauma or child trauma inside 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any","start":893.995,"end":898.23,"sentiment":"neutral","sentiment_score":-0.04708632955757471}],"sentiment":"neutral","sentiment_score":-0.04708632955757471,"channel":0,"num_words":13,"start":893.995,"end":898.23},{"sentences":[{"text":"No.","start":898.04004,"end":898.54004,"sentiment":"neutral","sentiment_score":-0.30549687147140503}],"sentiment":"neutral","sentiment_score":-0.30549687147140503,"channel":1,"num_words":1,"start":898.04004,"end":898.54004},{"sentences":[{"text":"other insurances happy with what you've got there?","start":898.23,"end":900.95,"sentiment":"negative","sentiment_score":-0.3696503210812807},{"text":"Yep.","start":900.95,"end":901.45,"sentiment":"neutral","sentiment_score":-0.0053053610026836395}],"sentiment":"neutral","sentiment_score":-0.32916754773921436,"channel":0,"num_words":9,"start":898.23,"end":901.45},{"sentences":[{"text":"Yeah.","start":901.0,"end":901.24005,"sentiment":"neutral","sentiment_score":-0.00437072291970253},{"text":"Happy with I don't I probably wouldn't need any trauma at the 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have a bit of","start":905.48004,"end":908.29504,"sentiment":"neutral","sentiment_score":0.01842184194053213}],"sentiment":"neutral","sentiment_score":0.01842184194053213,"channel":1,"num_words":12,"start":905.48004,"end":908.29504},{"sentences":[{"text":"Yeah.","start":908.23,"end":908.73,"sentiment":"neutral","sentiment_score":-0.008817131631076336}],"sentiment":"neutral","sentiment_score":-0.008817131631076336,"channel":0,"num_words":1,"start":908.23,"end":908.73},{"sentences":[{"text":"time maybe up my sleeves.","start":908.29504,"end":909.91504,"sentiment":"neutral","sentiment_score":-0.028460532054305078}],"sentiment":"neutral","sentiment_score":-0.028460532054305078,"channel":1,"num_words":5,"start":908.29504,"end":909.91504},{"sentences":[{"text":"No.","start":910.985,"end":911.225,"sentiment":"neutral","sentiment_score":-0.04595528170466423},{"text":"That's okay.","start":911.225,"end":911.865,"sentiment":"neutral","sentiment_score":0.04347842186689377},{"text":"If you ever wanna discuss those in more detail, let me know.","start":911.865,"end":914.745,"sentiment":"neutral","sentiment_score":0.06934777926653624},{"text":"It's honestly not a problem at all.","start":914.745,"end":916.665,"sentiment":"neutral","sentiment_score":0.3230631819793156},{"text":"At the end of the day, we can only we can make the recommendations, and we can provide you with the information.","start":917.14496,"end":921.865,"sentiment":"neutral","sentiment_score":0.2665393217043443}],"sentiment":"neutral","sentiment_score":0.2045109605585987,"channel":0,"num_words":44,"start":910.985,"end":921.865},{"sentences":[{"text":"But you're the only one that knows what's right for you, so that's absolutely fine.","start":921.865,"end":926.04004,"sentiment":"neutral","sentiment_score":0.23960667153199514}],"sentiment":"neutral","sentiment_score":0.23960667153199514,"channel":0,"num_words":15,"start":921.865,"end":926.04004},{"sentences":[{"text":"That's 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correct.","start":948.635,"end":949.375,"sentiment":"neutral","sentiment_score":0.08387342840433121}],"sentiment":"neutral","sentiment_score":0.06894328196843465,"channel":1,"num_words":3,"start":948.315,"end":949.375},{"sentences":[{"text":"Yep.","start":950.04004,"end":950.44,"sentiment":"neutral","sentiment_score":0.11268071830272676},{"text":"Beautiful.","start":950.44,"end":950.94,"sentiment":"neutral","sentiment_score":0.31308215856552124},{"text":"Asset value, would you change that, or do you think it's still around the 2,000,000 month?","start":951.4,"end":955.26,"sentiment":"neutral","sentiment_score":0.026495765196159482}],"sentiment":"neutral","sentiment_score":0.04720528444482221,"channel":0,"num_words":18,"start":950.04004,"end":955.26},{"sentences":[{"text":"Oh, probably maybe with the market dropping now, it might be a bit less with the housing.","start":955.65,"end":960.07,"sentiment":"neutral","sentiment_score":-0.09632015272098429}],"sentiment":"neutral","sentiment_score":-0.09632015272098429,"channel":1,"num_words":17,"start":955.65,"end":960.07},{"sentences":[{"text":"Yeah.","start":960.04004,"end":960.54004,"sentiment":"neutral","sentiment_score":-0.0223575122654438}],"sentiment":"neutral","sentiment_score":-0.0223575122654438,"channel":0,"num_words":1,"start":960.04004,"end":960.54004},{"sentences":[{"text":"But maybe 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legislation and what comes into play next year.","start":1065.97,"end":1070.31,"sentiment":"neutral","sentiment_score":-0.09697349346242845}],"sentiment":"neutral","sentiment_score":-0.10040537875733878,"channel":0,"num_words":19,"start":1065.17,"end":1070.31},{"sentences":[{"text":"Well yeah.","start":1070.4099,"end":1070.97,"sentiment":"neutral","sentiment_score":0.017909487709403038},{"text":"Exactly.","start":1070.97,"end":1071.47,"sentiment":"neutral","sentiment_score":0.08857713639736176}],"sentiment":"neutral","sentiment_score":0.041465370605389275,"channel":1,"num_words":3,"start":1070.4099,"end":1071.47},{"sentences":[{"text":"That'll have a huge effect on what we all decide to do.","start":1073.945,"end":1076.585,"sentiment":"neutral","sentiment_score":0.1630927131821712},{"text":"I was lucky I I have one, and then when this came into effect, I was in the process of looking for a second 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attorney done up can provide extra security.","start":1265.695,"end":1275.69,"sentiment":"positive","sentiment_score":0.39744358509778976},{"text":"Without those sorts of things, if you pass away, even though majority of things should just go straight to your wife,","start":1276.3099,"end":1282.89,"sentiment":"neutral","sentiment_score":-0.27206825216611225}],"sentiment":"neutral","sentiment_score":0.11886041712326308,"channel":0,"num_words":108,"start":1252.8601,"end":1282.89},{"sentences":[{"text":"Yes.","start":1283.48,"end":1283.98,"sentiment":"neutral","sentiment_score":0.060339994728565216}],"sentiment":"neutral","sentiment_score":0.060339994728565216,"channel":1,"num_words":1,"start":1283.48,"end":1283.98},{"sentences":[{"text":"essentially, things do still have to go through a probate process.","start":1283.51,"end":1286.73,"sentiment":"neutral","sentiment_score":-0.11467368409714916},{"text":"So it may mean that people from your past can come forward and stake a 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guardianship.","start":1297.375,"end":1302.7999,"sentiment":"neutral","sentiment_score":0.18478594764190562},{"text":"So in the event that something happens to yourself and your wife, your kids are looked after, you can set up a trust and have money directed to the trust of the kids and, yeah, make sure everything's set up to look after them down the track as well.","start":1302.94,"end":1315.26,"sentiment":"positive","sentiment_score":0.3462509972100355},{"text":"So those are the things that it's really important to have that conversation with your wife and sort of talk it out.","start":1315.26,"end":1320.655,"sentiment":"neutral","sentiment_score":0.31656947054646234},{"text":"And what what if something happened to us?","start":1320.655,"end":1322.915,"sentiment":"neutral","sentiment_score":-0.17318493500351906}],"sentiment":"neutral","sentiment_score":0.16743854008484305,"channel":0,"num_words":114,"start":1292.655,"end":1322.915},{"sentences":[{"text":"It's a really hard conversation to have and not something any of us wanna think about.","start":1323.055,"end":1327.0751,"sentiment":"negative","sentiment_score":-0.3798782750964165},{"text":"But, unfortunately, in our industry, we see these sorts of things occur on a regular basis.","start":1327.6151,"end":1332.1799,"sentiment":"neutral","sentiment_score":-0.30889693181961775},{"text":"And, you know, often without having any estate planning set up, it's a it is a very difficult time for families and very stressful.","start":1332.1799,"end":1341.0,"sentiment":"negative","sentiment_score":-0.38764261951049167},{"text":"So we do just like to, as part of the review, just go through, ask the questions, and just, you know, reiterate the importance of having that conversation and drafting up a will and having either a will kicked on up.","start":1341.22,"end":1351.755,"sentiment":"neutral","sentiment_score":0.22642557613733338},{"text":"You can buy them from the post office.","start":1351.755,"end":1354.235,"sentiment":"neutral","sentiment_score":0.15540127363055944}],"sentiment":"neutral","sentiment_score":-0.09330635588793527,"channel":0,"num_words":105,"start":1323.055,"end":1354.235},{"sentences":[{"text":"It's cheap.","start":1354.235,"end":1354.715,"sentiment":"neutral","sentiment_score":0.28986746072769165},{"text":"It's about $30 at the moment.","start":1354.715,"end":1356.575,"sentiment":"neutral","sentiment_score":0.22199620803197226},{"text":"Or you can also go to I know in New South Wales here, we have, like, RMS, so roads and maritime services, like the transport.","start":1357.355,"end":1367.17,"sentiment":"neutral","sentiment_score":0.15558687150478362},{"text":"It's part of the government, and they do help organize wills and will kits and things like that fairly cheaply.","start":1367.17,"end":1373.75,"sentiment":"neutral","sentiment_score":0.2744413466192782},{"text":"Or if you wanted to, my team could just email through some 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I was gonna have a rate of","start":1396.365,"end":1397.805,"sentiment":"neutral","sentiment_score":0.01379739074036479}],"sentiment":"neutral","sentiment_score":0.01379739074036479,"channel":1,"num_words":8,"start":1396.365,"end":1397.805},{"sentences":[{"text":"Yep.","start":1397.6799,"end":1398.1799,"sentiment":"neutral","sentiment_score":0.031582217663526535}],"sentiment":"neutral","sentiment_score":0.031582217663526535,"channel":0,"num_words":1,"start":1397.6799,"end":1398.1799},{"sentences":[{"text":"that, and he to have 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20%.","start":1419.59,"end":1426.485,"sentiment":"neutral","sentiment_score":-0.06929382935843685},{"text":"How do you think you might be feeling?","start":1426.485,"end":1428.085,"sentiment":"neutral","sentiment_score":-0.0010476566385477781},{"text":"Do you think you might be seeing it as an investment opportunity, a bit excited to put some money in, calling us a bit concerned and seeing what happens, or really anxious about it and maybe wanting to move your money to a more secure asset?","start":1428.085,"end":1440.405,"sentiment":"neutral","sentiment_score":-0.039366386020961014},{"text":"How do you think you might feel?","start":1440.405,"end":1441.945,"sentiment":"neutral","sentiment_score":-0.011105069092341832}],"sentiment":"neutral","sentiment_score":-0.03781720829530827,"channel":0,"num_words":103,"start":1414.39,"end":1441.945},{"sentences":[{"text":"Well, 20% drop's pretty big, but kinda like I don't 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having a look through there now, you did just score as a growth investor.","start":1486.2151,"end":1489.675,"sentiment":"neutral","sentiment_score":0.11797752678394317},{"text":"So you are on that growth portfolio at the moment, which is at eighty twenty split to 80% growth investments like Australian equities, international equities, listed property, and also commodities like gold and silver.","start":1489.8151,"end":1500.9199,"sentiment":"neutral","sentiment_score":0.10437438242575701}],"sentiment":"neutral","sentiment_score":0.11179046554920766,"channel":0,"num_words":52,"start":1483.175,"end":1500.9199},{"sentences":[{"text":"And then we generally see that 20 in low risk defensive investments, so things like cash, bonds, and fixed interest.","start":1501.1399,"end":1507.5599,"sentiment":"neutral","sentiment_score":0.10845523439347744},{"text":"It's all part of diversifying your investments and making sure we spread the risk level as far as possible over your investments to mitigate 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performed.","start":1564.5701,"end":1574.0549,"sentiment":"neutral","sentiment_score":0.29678963350527215}],"sentiment":"neutral","sentiment_score":0.3234937762727543,"channel":0,"num_words":49,"start":1558.65,"end":1574.0549},{"sentences":[{"text":"It's also got the financial services guide attached, which has all the information on myself as a licensed adviser and Access OQ Financial and your ongoing service agreement as well.","start":1574.595,"end":1584.25,"sentiment":"neutral","sentiment_score":0.2515426402290662},{"text":"So if you're happy to stay on board as a client, we'll get you to sign and return that back for me.","start":1584.25,"end":1588.3501,"sentiment":"positive","sentiment_score":0.4068141403523358},{"text":"In the meantime, do you have any other questions?","start":1588.89,"end":1591.2101,"sentiment":"neutral","sentiment_score":0.07203625101182196},{"text":"So is there anything I maybe have not touched on that you wanted to talk about, or is there any additional questions come from anything I've gone through?","start":1591.2101,"end":1597.7101,"sentiment":"neutral","sentiment_score":0.0436138336413673}],"sentiment":"neutral","sentiment_score":0.20635622354705682,"channel":0,"num_words":89,"start":1574.595,"end":1597.7101},{"sentences":[{"text":"No.","start":1598.2999,"end":1598.46,"sentiment":"neutral","sentiment_score":-0.06245572119951248},{"text":"I think you covered everything.","start":1598.46,"end":1599.74,"sentiment":"neutral","sentiment_score":0.00023177266120910645},{"text":"That's fine.","start":1599.74,"end":1600.5599,"sentiment":"neutral","sentiment_score":0.28285086154937744}],"sentiment":"neutral","sentiment_score":0.06305060815066099,"channel":1,"num_words":8,"start":1598.2999,"end":1600.5599},{"sentences":[{"text":"Yep.","start":1600.385,"end":1600.885,"sentiment":"neutral","sentiment_score":0.2089134305715561},{"text":"Oh, all good.","start":1601.905,"end":1602.785,"sentiment":"positive","sentiment_score":0.34971802805860835},{"text":"Well, what I'll do is to go back is I'll go back and just do some research on the investment side of things for you.","start":1602.785,"end":1608.0851,"sentiment":"neutral","sentiment_score":0.14647456049919128},{"text":"Once we do have that all sorted, my team will book you back in.","start":1608.225,"end":1612.68,"sentiment":"neutral","sentiment_score":0.16752674749919347},{"text":"We'll just go back and review the investments you have, look at all the other options for investments, and look at a portfolio that's gonna work harder for you, hopefully save you some money as well, and show you what that looks like over the next sort of five to ten years projected for you.","start":1612.68,"end":1625.64,"sentiment":"neutral","sentiment_score":0.2592168545181101}],"sentiment":"neutral","sentiment_score":0.21961462235420334,"channel":0,"num_words":98,"start":1600.385,"end":1625.64},{"sentences":[{"text":"Does that sound all cool Oh,","start":1625.64,"end":1627.3251,"sentiment":"neutral","sentiment_score":0.1888397733370463}],"sentiment":"neutral","sentiment_score":0.1888397733370463,"channel":0,"num_words":6,"start":1625.64,"end":1627.3251},{"sentences":[{"text":"That","start":1627.25,"end":1627.49,"sentiment":"neutral","sentiment_score":0.03195789083838463}],"sentiment":"neutral","sentiment_score":0.03195789083838463,"channel":1,"num_words":1,"start":1627.25,"end":1627.49},{"sentences":[{"text":"okay.","start":1627.3251,"end":1627.805,"sentiment":"neutral","sentiment_score":0.04782279580831528}],"sentiment":"neutral","sentiment_score":0.04782279580831528,"channel":0,"num_words":1,"start":1627.3251,"end":1627.805},{"sentences":[{"text":"sounds","start":1627.49,"end":1627.81,"sentiment":"neutral","sentiment_score":-0.01676715910434723}],"sentiment":"neutral","sentiment_score":-0.01676715910434723,"channel":1,"num_words":1,"start":1627.49,"end":1627.81},{"sentences":[{"text":"Sorry.","start":1627.805,"end":1628.305,"sentiment":"neutral","sentiment_score":-0.029209237545728683}],"sentiment":"neutral","sentiment_score":-0.029209237545728683,"channel":0,"num_words":1,"start":1627.805,"end":1628.305},{"sentences":[{"text":"good.","start":1627.81,"end":1628.31,"sentiment":"neutral","sentiment_score":0.07556271553039551}],"sentiment":"neutral","sentiment_score":0.07556271553039551,"channel":1,"num_words":1,"start":1627.81,"end":1628.31},{"sentences":[{"text":"Your tongue tied.","start":1629.005,"end":1629.645,"sentiment":"neutral","sentiment_score":-0.015379976481199265}],"sentiment":"neutral","sentiment_score":-0.015379976481199265,"channel":0,"num_words":3,"start":1629.005,"end":1629.645},{"sentences":[{"text":"Yes.","start":1629.5701,"end":1630.0701,"sentiment":"neutral","sentiment_score":0.05268446356058121}],"sentiment":"neutral","sentiment_score":0.05268446356058121,"channel":1,"num_words":1,"start":1629.5701,"end":1630.0701},{"sentences":[{"text":"I apologize.","start":1629.645,"end":1630.225,"sentiment":"neutral","sentiment_score":0.0010450519621372223}],"sentiment":"neutral","sentiment_score":0.0010450519621372223,"channel":0,"num_words":2,"start":1629.645,"end":1630.225},{"sentences":[{"text":"Good.","start":1630.13,"end":1630.29,"sentiment":"neutral","sentiment_score":0.29891106486320496},{"text":"Thank","start":1630.29,"end":1630.79,"sentiment":"positive","sentiment_score":0.4344760179519654}],"sentiment":"positive","sentiment_score":0.36669354140758514,"channel":1,"num_words":2,"start":1630.13,"end":1630.79},{"sentences":[{"text":"Oh, good, Michael.","start":1631.965,"end":1632.845,"sentiment":"positive","sentiment_score":0.4347311456998189},{"text":"Well, look, I will let you go.","start":1632.845,"end":1633.965,"sentiment":"neutral","sentiment_score":0.3123112576348441},{"text":"I know you are busy, but I appreciate you calling me back and going through that one.","start":1633.965,"end":1637.5651,"sentiment":"positive","sentiment_score":0.42728791429715995},{"text":"If you find you have any questions, don't ever hesitate to give me a buzz.","start":1637.5651,"end":1641.005,"sentiment":"neutral","sentiment_score":0.2629686454931895},{"text":"Okay?","start":1641.005,"end":1641.505,"sentiment":"neutral","sentiment_score":0.18238410353660583}],"sentiment":"positive","sentiment_score":0.346073966733245,"channel":0,"num_words":43,"start":1631.965,"end":1641.505},{"sentences":[{"text":"no worries.","start":1641.605,"end":1642.325,"sentiment":"neutral","sentiment_score":0.25425076484680176},{"text":"Thank you so much.","start":1642.325,"end":1643.465,"sentiment":"positive","sentiment_score":0.6463224738836288}],"sentiment":"positive","sentiment_score":0.5156319042046865,"channel":1,"num_words":6,"start":1641.605,"end":1643.465},{"sentences":[{"text":"That's okay.","start":1644.005,"end":1644.645,"sentiment":"positive","sentiment_score":0.5322524011135101},{"text":"You enjoy the rest of your day.","start":1644.645,"end":1646.4249,"sentiment":"positive","sentiment_score":0.6596083045005798}],"sentiment":"positive","sentiment_score":0.6313069926367866,"channel":0,"num_words":9,"start":1644.005,"end":1646.4249},{"sentences":[{"text":"Okay.","start":1646.7048,"end":1647.0249,"sentiment":"neutral","sentiment_score":0.2325916290283203},{"text":"See you later.","start":1647.0249,"end":1647.8448,"sentiment":"neutral","sentiment_score":0.24430892368157706},{"text":"Bye.","start":1648.065,"end":1648.565,"sentiment":"neutral","sentiment_score":0.23051169514656067}],"sentiment":"neutral","sentiment_score":0.2392060190439224,"channel":1,"num_words":5,"start":1646.7048,"end":1648.565},{"sentences":[{"text":"Thanks.","start":1648.085,"end":1648.485,"sentiment":"positive","sentiment_score":0.4088453650474548},{"text":"See you later.","start":1648.485,"end":1649.125,"sentiment":"neutral","sentiment_score":0.28222179412841797},{"text":"Bye.","start":1649.125,"end":1649.625,"sentiment":"neutral","sentiment_score":0.12973171472549438}],"sentiment":"neutral","sentiment_score":0.27704849243164065,"channel":0,"num_words":5,"start":1648.085,"end":1649.625}]},"summary":{"result":"success","short":"A customer named Dana discusses her investment portfolio with a representative named Samantha, who offers to switch it to an actively managed fund and suggests reviewing different investment options. The speaker recommends reviewing investments and updating the portfolio, including rebalancing and restructuring investments. The customer discusses their investment property and retirement plans, as well as their expenses and savings plans. The agent emphasizes the importance of privacy and trust in investments and offers to review the investments for the customer."},"intents":{"segments":[{"text":"It's Samantha. Hey. I wasn't How sure. are you?","start_word":7,"end_word":15,"intents":[{"intent":"Confirm information","confidence_score":0.0019572212}]},{"text":"So Michael's got time to complete his annual review and his past security. Oh, perfect.","start_word":47,"end_word":61,"intents":[{"intent":"Complete annual review","confidence_score":0.41570398}]},{"text":"Now we do normally send through your annual review pack with just some details attached regarding the documents that we go through. It's not you don't have to look at your emails if you don't have time or not able to, but what I'll do is I'll send the annual review pack through so it is in your email when you are able to look at it.","start_word":262,"end_word":328,"intents":[{"intent":"Send annual review pack","confidence_score":0.018715605},{"intent":"Check email","confidence_score":0.022585867}]},{"text":"And then we'll just go through and update all of your circumstances. How does that sound?","start_word":375,"end_word":390,"intents":[{"intent":"Update circumstances","confidence_score":0.15713568}]},{"text":"Is there anything specific that you wanted me to touch on or that you needed to ask as part of the annual review today?","start_word":395,"end_word":418,"intents":[{"intent":"Ask about specific questions","confidence_score":0.002211528}]},{"text":"Your balance then was about $68,007.56 and 60<unk> there. As of the June 17, when which is when we completed the documents here, your annual review is now up to sorry. Your our balance is now up to $89,029.15, and I'm just also updating as of today.","start_word":507,"end_word":553,"intents":[{"intent":"Review balance","confidence_score":0.031147305}]},{"text":"When I have a look at what has happened performance wise, in the last twelve months, essentially, net of fees, you've received a return of about 10.15 percent. So it is really good.","start_word":590,"end_word":622,"intents":[{"intent":"Assess performance","confidence_score":0.015366135},{"intent":"Provide return on investment","confidence_score":0.01236989}]},{"text":"And because you're in a growth portfolio, this sort of a portfolio is averaging trying to obtain around about a seven to 9% return. So a 10.15% return is actually outperforming what we're expecting out of the portfolio for the year. So it's good to see.","start_word":707,"end_word":752,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.45505893}]},{"text":"Which way would you like me to go? Sorry.","start_word":1224,"end_word":1232,"intents":[{"intent":"Optimize portfolio performance","confidence_score":0.020026263}]},{"text":"I'll go back and review the investments, have a look at how things are structured.","start_word":1363,"end_word":1377,"intents":[{"intent":"Review investments","confidence_score":0.13657337}]},{"text":"Well, I'm happy to see your portfolio is doing well, but we wanna make sure it continues to do well. So reviewing those investments and updating them every so often is definitely important as part of the structured advice and making sure we're working towards your goals. Okay.","start_word":1450,"end_word":1497,"intents":[{"intent":"Evaluate portfolio capabilities","confidence_score":0.000044617704}]},{"text":"So just so you're fully aware, if TBD was claimed successfully and you're under the age of 60, it does unfortunately mean that taxes applied to to the benefit.","start_word":1741,"end_word":1769,"intents":[{"intent":"Inquire about tax implications and eligibility for additional benefit","confidence_score":6.632831e-8}]},{"text":"So so with the benefit amount, to cover you for up to 70% of your current income at 85,000 per annum, we would need to cover you for a monthly benefit of 4,958 and 33<unk>.","start_word":2121,"end_word":2155,"intents":[{"intent":"Clarify benefits","confidence_score":0.07571866}]},{"text":"So keeping these increases along with CPI each year is kind of beneficial because they're not underwritten, and the policy just kinda keeps increasing the idea of income protection.","start_word":2453,"end_word":2481,"intents":[{"intent":"Explain benefits of income protection","confidence_score":0.048487093}]},{"text":"Do you have any questions about income protection, how it works, or with the benefit of waiting periods at all?","start_word":2611,"end_word":2630,"intents":[{"intent":"Inquire about benefits of income protection","confidence_score":0.010291935}]},{"text":"Unlike life, t to d income protection, you can't actually hold trauma or child trauma inside super. They are all paid out of your back pocket. So it is kinda dependent upon whether you've got excess cash flow. And with the cost of living at the moment, it does get kinda difficult to pay for external covers there, but I do have to kinda go through and just explain the differences and what you do have available to you.","start_word":2734,"end_word":2812,"intents":[{"intent":"Explain differences in coverage coverages","confidence_score":0.000055492226}]},{"text":"But did you wanna look at getting any extra trauma policies or any No.","start_word":2813,"end_word":2826,"intents":[{"intent":"Get additional trauma policies","confidence_score":0.0000010696019}]},{"text":"If you ever wanna discuss those in more detail, let me know. It's honestly not a problem at all. At the end of the day, we can only we can make the recommendations, and we can provide you with the information. But you're the only one that knows what's right for you, so that's absolutely fine.","start_word":2874,"end_word":2929,"intents":[{"intent":"Discuss recommendations","confidence_score":0.10908822}]},{"text":"So with your main primary residence, sir, we had an asset value of about 2,000,000 last year, and you don't have a loan on that property. Is that right? Yep.","start_word":2964,"end_word":2993,"intents":[{"intent":"Verify asset value","confidence_score":0.012342851},{"intent":"Confirm loan","confidence_score":0.0022261075}]},{"text":"And then I've also got your investment property down there as well. It was valued at 1,300,000 last year, and you owed about 58,000 on the interest only loan. How much?","start_word":3047,"end_word":3077,"intents":[{"intent":"Clarify interest rate","confidence_score":0.0026663637}]},{"text":"And and we also had a goal last year that you're looking to maybe buy another investment property. Have you purchased a secondary one, or is it still just the one?","start_word":3139,"end_word":3169,"intents":[{"intent":"Purchase secondary investment property","confidence_score":0.0081195505}]},{"text":"And with the investment property, what's the kind of long term goal? Are you just wanting to hold that until, let's say, doubles in value and planning to sell? Or do you wanna hold that into retirement and maybe supplement super with the income aspect? Have you thought about what you wanna do long term?","start_word":3220,"end_word":3274,"intents":[{"intent":"Evaluate investments","confidence_score":0.00009594175}]},{"text":"The other thing to sorta have a look at is I've got down here that so I'm just double checking the last file. I don't have a record of having a will or power of attorney. Have you ever drawn up a will or had us look to the draw up a will and power of attorney? No.","start_word":3764,"end_word":3821,"intents":[{"intent":"Clarify will and power of attorney","confidence_score":0.000028873324}]},{"text":"But it's also important to make sure, especially with a young family, your investment properties, and everything that you've worked so hard for, that having your will and the power of attorney done up can provide extra security.","start_word":3902,"end_word":3939,"intents":[{"intent":"Educate about will and estate planning","confidence_score":0.00019393359}]},{"text":"And what what if something happened to us?","start_word":4098,"end_word":4105,"intents":[{"intent":"Discuss will issues","confidence_score":0.00040390994}]},{"text":"So we do just like to, as part of the review, just go through, ask the questions, and just, you know, reiterate the importance of having that conversation and drafting up a will and having either a will kicked on up.","start_word":4162,"end_word":4202,"intents":[{"intent":"Reiterate importance of conversation and review","confidence_score":0.0003826799}]},{"text":"You can buy them from the post office. It's cheap. It's about $30 at the moment. Or you can also go to I know in New South Wales here, we have, like, RMS, so roads and maritime services, like the transport. It's part of the government, and they do help organize wills and will kits and things like that fairly cheaply.","start_word":4203,"end_word":4263,"intents":[{"intent":"Shop for will kits","confidence_score":0.0026027227}]},{"text":"It's part of the government, and they do help organize wills and will kits and things like that fairly cheaply.","start_word":4244,"end_word":4263,"intents":[{"intent":"Review will kits","confidence_score":0.0013128117}]},{"text":"So having a look through there now, you did just score as a growth investor. So you are on that growth portfolio at the moment, which is at eighty twenty split to 80% growth investments like Australian equities, international equities, listed property, and also commodities like gold and silver.","start_word":4632,"end_word":4680,"intents":[{"intent":"Review portfolio","confidence_score":0.090950616}]},{"text":"And then we generally see that 20 in low risk defensive investments, so things like cash, bonds, and fixed interest. It's all part of diversifying your investments and making sure we spread the risk level as far as possible over your investments to mitigate as much market risk as possible, as humanly possible at least, without trumping our back pocket.","start_word":4680,"end_word":4739,"intents":[{"intent":"Identify risks","confidence_score":0.007865219}]},{"text":"Are you comfortable staying in that kind of environment for now? Yeah. Comfortable in that thing in there. Yep. Beautiful.","start_word":4829,"end_word":4848,"intents":[{"intent":"Confirm comfort","confidence_score":0.04458534}]},{"text":"Beautiful. Excellent.","start_word":4848,"end_word":4849,"intents":[{"intent":"Express gratitude","confidence_score":0.020343281}]},{"text":"As I kinda mentioned before, I've sent that annual review pack to you. It does have all the documents I've gone through with regards to your insurance with your super, a rundown of the investment portfolio as well and how all the individual investments have performed.","start_word":4850,"end_word":4895,"intents":[{"intent":"Request review","confidence_score":0.0021547575}]},{"text":"So if you're happy to stay on board as a client, we'll get you to sign and return that back for me.","start_word":4926,"end_word":4947,"intents":[{"intent":"Provide advisor","confidence_score":0.000105294355}]},{"text":"So is there anything I maybe have not touched on that you wanted to talk about, or is there any additional questions come from anything I've gone through? No.","start_word":4957,"end_word":4985,"intents":[{"intent":"Ask questions","confidence_score":0.05074764}]},{"text":"Well, look, I will let you go. I know you are busy, but I appreciate you calling me back and going through that one. If you find you have any questions, don't ever hesitate to give me a buzz. Okay? no worries.","start_word":5113,"end_word":5154,"intents":[{"intent":"Organize call","confidence_score":0.00141361}]}]},"sentiments":{"segments":[{"text":"Good afternoon. This is Dana. Hi, Dana. It's Samantha. Hey. I wasn't How sure. are you? How's No. it going? That's okay. I always when I work from home, I always do attended just in case. You know? I don't Yep. know. No. That's all Alright.","start_word":0,"end_word":45,"sentiment":"neutral","sentiment_score":0.03761341795325279},{"text":"good.","start_word":46,"end_word":46,"sentiment":"positive","sentiment_score":0.3563220202922821},{"text":"So Michael's got time to complete his annual review and his past security.","start_word":47,"end_word":59,"sentiment":"neutral","sentiment_score":0.20284920930862427},{"text":"Oh, perfect. Awesome.","start_word":60,"end_word":62,"sentiment":"positive","sentiment_score":0.5306366682052612},{"text":"Has he had a good day? He said it's been busy? He's I I didn't ask, but he does seem Yeah.","start_word":63,"end_word":83,"sentiment":"neutral","sentiment_score":0.10552525520324708},{"text":"like he's in a good mood. Oh, good. Love that. Yeah. Love it. Awesome. Love that. Alright. Thank you so much.","start_word":84,"end_word":104,"sentiment":"positive","sentiment_score":0.46755102276802063},{"text":"No worry. Are you ready for for him to be transferred through? Yep. Ready when Yep. you are. Okay. Perfect. In 321, you have Michael. Hi, Marshall. This is Dana. How are you this afternoon? Good. Thanks, Donna. How are you? Yeah. Very well.","start_word":105,"end_word":148,"sentiment":"neutral","sentiment_score":0.13120752573013306},{"text":"Thank you. Thanks for calling back.","start_word":149,"end_word":154,"sentiment":"positive","sentiment_score":0.39127567410469055},{"text":"How's your day been? Yeah. Not sure about a little bit busy. I'm sorry. I just got out of a meeting, Yeah. and then it's probably a missed call. I'll No. That's absolutely fine. It's not a problem. And just to make things easier call you back now. I totally forgot as about well it. because I know it's the middle of the workday for you, but I also do work Monday to Thursday, like, later in the Okay. afternoon into the night as well. So I can always see your annual review around work hours if you need to as well. Okay? Yep. Easy.","start_word":155,"end_word":259,"sentiment":"neutral","sentiment_score":0.04143805429339409},{"text":"All good.","start_word":260,"end_word":261,"sentiment":"positive","sentiment_score":0.341133713722229},{"text":"Now we do normally send through your annual review pack with just some details attached regarding the documents that we go through. It's not you don't have to look at your emails if you don't have time or not able to, but what I'll do is I'll send the annual review pack through so it is in your email when you are able to look at it. But if you like, we'll just go through things today. I'll give you a bit of an update on what's happening with your super. I've had a bit of a look, and there is some advice I would like to maybe update for you as well. And then we'll just go through and update all of your circumstances. How does that sound? Yeah.","start_word":262,"end_word":391,"sentiment":"neutral","sentiment_score":0.13554892929700704},{"text":"Sounds good. Fantastic.","start_word":392,"end_word":394,"sentiment":"positive","sentiment_score":0.671728789806366},{"text":"Is there anything specific that you wanted me to touch on or that you needed to ask as part of the annual review today? No. Nothing really, to be honest with you. I'm pretty happy No? he's just I was going and all that. Yeah.","start_word":395,"end_word":439,"sentiment":"neutral","sentiment_score":0.07092586159706116},{"text":"Fantastic. All good.","start_word":440,"end_word":442,"sentiment":"positive","sentiment_score":0.43681368231773376},{"text":"Do you happen to have a look at your your super very often? I did maybe a few weeks ago when I was doing my tax, so I saw it then. Yeah. Yep. No. But That's I don't okay. too often. Maybe only tax time. Yeah. No. That's okay. That's not a problem at all. We're just looking back at your last annual review. Your balance then was about $68,007.56 and 60<unk> there. As of the June 17, when which is when we completed the documents here, your annual review is now up to sorry. Your our balance is now up to $89,029.15, and I'm just also updating as of today. So today, we have seen a little bit of a market pullback, so we're at $87.09 $3.01 today.","start_word":443,"end_word":572,"sentiment":"neutral","sentiment_score":0.045369915664196014},{"text":"So, look, your balance has definitely increased over the last year or so, which is fantastic to see.","start_word":573,"end_word":590,"sentiment":"positive","sentiment_score":0.5570899248123169},{"text":"When I have a look at what has happened performance wise, in the last twelve months, essentially, net of fees, you've received a return of about 10.15 percent.","start_word":591,"end_word":618,"sentiment":"neutral","sentiment_score":0.2881081998348236},{"text":"So it is really good.","start_word":619,"end_word":623,"sentiment":"positive","sentiment_score":0.5395967960357666},{"text":"Some people do prefer a dollar figure as opposed to a percentage, so I'd like to make sure I'm giving you that as well. But it essentially means that earnings out of the portfolio so gross and income has averaged about $9,709.23 for the last twelve months.","start_word":624,"end_word":670,"sentiment":"neutral","sentiment_score":0.12756076455116272},{"text":"So with what's been happening globally with the war between The US and Iran and here in Australia having the higher inflationary rates as well, it's good to see you come out with a good solid return. And because you're in a growth portfolio, this sort of a portfolio is averaging trying to obtain around about a seven to 9% return. So a 10.15% return is actually outperforming what we're expecting out of the portfolio for the year. So it's good to see. Yes. Beautiful.","start_word":670,"end_word":754,"sentiment":"positive","sentiment_score":0.45120787620544434},{"text":"Yeah. As I currently just mentioned before, I do wanna do a little bit of advice for you. So I've had a bit of a look at your investments, how they're structured, and what's been happening with them.","start_word":755,"end_word":792,"sentiment":"neutral","sentiment_score":0.10566958785057068},{"text":"Your portfolio has done well.","start_word":793,"end_word":797,"sentiment":"positive","sentiment_score":0.390735000371933},{"text":"You are up for the year, but I can see one investment that is underperforming a little bit, and that's having a bit of an effect on your portfolio. So I would like to, if you're comfortable with me, maybe swapping that out for you. I'm not sure if you've had a look and seen, but you do have the Benelon concentrated Australian equities investment in your portfolio. And that is the one there that is sort of holding back a little bit. When we consider that against the Aussie market, it's actually underperforming pretty significantly, whereas the Aussie market, while it's had the ups and downs this year, it actually is still performing quite well and is seeing an increase. So the underperformance with Bannalong has actually got more to do with the investment rather than the market concerns itself. So if you're comfortable, I would love to go back and just maybe do a bit of an investment switch and look at updating the portfolio for you and just remove the underperforming investment. Does that sound okay? Yeah. That sounds fine by me. Yep.","start_word":798,"end_word":983,"sentiment":"neutral","sentiment_score":-0.02139672450721264},{"text":"Fantastic.","start_word":984,"end_word":984,"sentiment":"positive","sentiment_score":0.408372014760971},{"text":"Now one of the things I do like to clarify when I am doing the switches and readjusting the portfolio. Essentially, Banner Long is more of an actively managed fund. Now having a look at where you are, your stage in life, you're still very young. You've got a lot of time ahead of you. It's a good thing and, you know, annoying. We have a lot of working life ahead of us, but That's at the not same time, right.","start_word":985,"end_word":1065,"sentiment":"neutral","sentiment_score":0.010637900987525045},{"text":"it's at the same time, it's a good thing because it means we have a lot of compounding ahead of us as well when it comes to our safety and the investments.","start_word":1066,"end_word":1097,"sentiment":"positive","sentiment_score":0.4121314585208893},{"text":"Essentially, we've done a long I can look to replace that with another actively managed fund if you like. Generally, in an actively managed fund, the fund manager is trying to buy and sell and outperform against the market. They're trying to time the market. And when you look at investment fees, it can be a little bit higher to have that kind of active management in your portfolio. Alternatively, if you like, I can look at an investment that might be a bit cheaper, save you on fees, keep more money invested in your super, still performing just as well, and making sure we're diversifying as much as we can, but just sort of trying to save a little bit of fees in the meantime. Which way would you like me to go? Sorry. Yes. That's it. Yeah. God. Maybe probably minimizing the fees and all that. Yeah. Yeah.","start_word":1098,"end_word":1247,"sentiment":"neutral","sentiment_score":0.1408238261938095},{"text":"Definitely.","start_word":1248,"end_word":1248,"sentiment":"positive","sentiment_score":0.42064136266708374},{"text":"I've got a couple of different options that we can utilize. And, look, honestly, with your balance, one of the hardest things when we're starting to get our super up and working is we slug it out to get the money in and to get the super balance up over that sort of $253,100,000 dollar mark. Once it hits that mark, the compounding is so much bigger, and it actually tends to build a lot faster.","start_word":1249,"end_word":1324,"sentiment":"neutral","sentiment_score":0.19822758436203003},{"text":"So if we can save some fees in your portfolio now, keep the diversification and keep the super working as hard as it can, we'll get up to that mark pretty quickly there.","start_word":1325,"end_word":1357,"sentiment":"positive","sentiment_score":0.5549917221069336},{"text":"So if you like, Yep. I'll go back and review the investments, have a look at how things are structured. I'll have a look at whether any rebalancing needs to occur in your portfolio or whether there's maybe some different way of restructuring some of the investments, and I'll come back and update the advice. I'll go through that with you if you're okay with that, And Yes. then you get to decide whether you take the advice or not. How does that sound? Yeah.","start_word":1358,"end_word":1442,"sentiment":"neutral","sentiment_score":0.06587488664423718},{"text":"That sounds good.","start_word":1443,"end_word":1445,"sentiment":"positive","sentiment_score":0.40887919068336487},{"text":"Yeah.","start_word":1446,"end_word":1446,"sentiment":"neutral","sentiment_score":0.30537331104278564},{"text":"Beautiful. All good. Well, I'm happy to see your portfolio is doing well, but we wanna make sure it continues to do well. So reviewing those investments and updating them every so often is definitely important as part of the structured advice and making sure we're working towards your goals.","start_word":1447,"end_word":1496,"sentiment":"positive","sentiment_score":0.4922516345977783},{"text":"Okay. Vehicle? Yeah.","start_word":1497,"end_word":1499,"sentiment":"neutral","sentiment_score":0.13334256410598755},{"text":"Excellent. All good.","start_word":1500,"end_word":1502,"sentiment":"positive","sentiment_score":0.4009051024913788},{"text":"Now I can see also here, looking at the insurance side of things, so you do have with your Neos life there, you've got some life, some TPD, and some income protection. Your life cover, you currently have the sum insured of 1,487,508. In the event of, say, you passing away and I'm just having a look. So you're looking at your circumstances. You're married and you've got two kids at home. Is that right? Or one child. That's correct. Sorry. Two kids now. Two kids now. Beautiful. Yep. Excellent. So in the event, let's say, something occurring and you passed me away prematurely, obviously, your life insurance is paid out, and I believe you've got your spouse here as your beneficiary on that one, so Rebecca. She would receive that $11,487,508, but then your super balance can also be paid out on top of that. Do you feel like that is a comfortable level of cover? Did you wanna look at reviewing that at all? No. For now, that's pretty I'm pretty comfortable with that. Yep. Yep. Beautiful. And then with TBD, that's obviously a total time of disability. So it pays out either a lump sum benefit or an income stream if you're unable to ever go back to work again. You do have the exact amount the same amount of TBD as life. Now I do like to make sure I'm giving you some information. So just so you're fully aware, if TBD was claimed successfully and you're under the age of 60, it does unfortunately mean that taxes applied to to the benefit. So it means the amount that you're insured for isn't necessarily the amount that you would get. However, as advisers, if you do happen to claim CBD, we will help you with the claim, and then we'll also provide advice on how best to structure and how to limit the tax and how to make the best out of that. And we can also look to access your super under the permanent incapacity as well. So there's an extra benefit that you could also have paid out. I know, unfortunately, the tax component isn't great, but as I said, we would try to limit that as much possible. But do you feel comfortable with the level of TBD you have at the moment being at that 1,400,000, or did you wanna maybe look at reviewing that and assess, you know, a better lump sum? I'm okay with that at the moment. Yeah. That's okay. I'm not sure if anyone's kinda gone through how CBD works for the tax implications around any of that, but did you have any questions?","start_word":1503,"end_word":1948,"sentiment":"neutral","sentiment_score":0.008802998293141078},{"text":"I didn't want us to bombard you with information and not allow you to ask any questions around it.","start_word":1949,"end_word":1967,"sentiment":"negative","sentiment_score":-0.35605505108833313},{"text":"That that had no questions. You can keep going. Easy. All good. If you ever do have questions or wanted to kind of run through things more than that, please let me know. I Yep.","start_word":1968,"end_word":2002,"sentiment":"neutral","sentiment_score":-0.0034979290794581175},{"text":"think I personally disagree with it. I think if you're incapacitated or disabled, the last thing the government should be doing is charging you tax. I think that is Yeah. disgraceful. I know. We're paying up tax already, don't we?","start_word":2003,"end_word":2042,"sentiment":"negative","sentiment_score":-0.5276143550872803},{"text":"Oh, absolutely. With the income protection benefit you do have here as well. So it does cover a monthly benefit amount pretax of 5,099. I've got your income here as about 80,000 per annum. Is that right? That's correct. Yep. Yep. Beautiful. Are you due for an increase Sorry. on That's that this it's gone up to yes. about 85 now. Sorry. Okay. No.","start_word":2043,"end_word":2106,"sentiment":"neutral","sentiment_score":0.061068484967108816},{"text":"That's absolutely fine, and congratulations on the increase. It's well deserved. Yeah. Thank you.","start_word":2107,"end_word":2120,"sentiment":"positive","sentiment_score":0.6615761518478394},{"text":"So so with the benefit amount, to cover you for up to 70% of your current income at 85,000 per annum, we would need to cover you for a monthly benefit of 4,958 and 33<unk>. So with your income protection, it does show you're a little bit over insured at the moment. However, that amount could still be applicable if you've got an increase coming in the next few months. If, you know, you get additional bonuses and things like that on a regular basis, you could be able to claim that higher amount. If you did look to reduce your income protection benefit back. It does make the cost a little bit cheaper in saying that if you then had to increase it back, we have to go to another application. So do you feel comfortable leaving your income protection benefit at the amount that it is, or did you wanna look at reducing that a little bit? I'm happy to just delete it, to be honest with you, even Yep. though you just Yep. but I'm just happy to just leave that. Yeah. Well, the good thing about the way these are structured is we do also have the inflation benefit in there. So it does mean that every year that these insurance premiums go through their renewal process, they're gonna increase along with CPI. So it does mean that the policy the cost of the policy increases, but it also means the policy itself increases as well.","start_word":2121,"end_word":2372,"sentiment":"neutral","sentiment_score":0.10008198767900468},{"text":"And these kinds of increases are really beneficial because it's basically, like, a little increase to the policy without any additional underwriting.","start_word":2372,"end_word":2394,"sentiment":"positive","sentiment_score":0.34206849336624146},{"text":"And because our health can change as they get older, I'm sure you're beautiful and healthy, but some people, we do find their health does deteriorate. They end up with back issues, leg issues, and things like that. And when we increase or change an insurance application, if there's any preexisting conditions, they are generally excluded from the policy.","start_word":2394,"end_word":2453,"sentiment":"neutral","sentiment_score":-0.0835183784365654},{"text":"So keeping these increases along with CPI each year is kind of beneficial because they're not underwritten, and the policy just kinda keeps increasing the idea of income protection.","start_word":2452,"end_word":2480,"sentiment":"positive","sentiment_score":0.5405762195587158},{"text":"You wanna make sure it increases along with your wage increases. Sometimes it Yep. increases more than wages, but having a little bit more protection there both, you know, if you have been a claim, you might not be able to claim the entire amount. It does mean you're more likely to get the amount you need rather than being underinsured at the same time. Does that make That makes sense. Yep. sense? Yeah.","start_word":2481,"end_word":2554,"sentiment":"neutral","sentiment_score":0.18952538073062897},{"text":"Beautiful. So I'll leave that as it is.","start_word":2555,"end_word":2562,"sentiment":"positive","sentiment_score":0.35789093375205994},{"text":"You've got a four week waiting period and a five year benefit period. They're pretty stock standard, essentially. You just have to be off work for a four weeks prior to making your claim, and you can be on a claim for up to five years as well. Do you have any questions about income protection, how it works, or with the benefit of waiting periods at all? Not my questions on that. Easy. It does look like you don't have any external other insurances like trauma. And because you do have kids, you can also access other insurances like child trauma. Trauma and child trauma tend to pay out, like, a lump sum tax rate benefit in the event that you say yourself or your kids are diagnosed with, say, a major illness like cancer, the the adult trauma, heart attack, strokes, Parkinson's, things like that, for all these sorts of trauma covers insurances. Sorry. Cancer seems to be the biggest one that it does tend to pay out on. Unlike life, t to d income protection, you can't actually hold trauma or child trauma inside super. They are all paid out of your back pocket. So it is kinda dependent upon whether you've got excess cash flow. And with the cost of living at the moment, it does get kinda difficult to pay for external covers there, but I do have to kinda go through and just explain the differences and what you do have available to you. But did you wanna look at getting any extra trauma policies or any No.","start_word":2563,"end_word":2826,"sentiment":"neutral","sentiment_score":0.0039106206968426704},{"text":"other insurances happy with what you've got there?","start_word":2827,"end_word":2834,"sentiment":"negative","sentiment_score":-0.34439775347709656},{"text":"Yep. Yeah. Happy with I don't I probably wouldn't need any trauma at the moment. No. Like, Absolutely. this is done and all that, so I have a bit of Yeah. time maybe up my sleeves. No. That's okay. If you ever wanna discuss those in more detail, let me know. It's honestly not a problem at all. At the end of the day, we can only we can make the recommendations, and we can provide you with the information. But you're the only one that knows what's right for you, so that's absolutely fine. That's it.","start_word":2835,"end_word":2931,"sentiment":"neutral","sentiment_score":0.12396616522299568},{"text":"Easy. So that's the insurances and the super stuff, which is fantastic. I've increased your wage on the system here as well.","start_word":2932,"end_word":2953,"sentiment":"positive","sentiment_score":0.5235148668289185},{"text":"Just double checking as well with your assets and liabilities. So with your main primary residence, sir, we had an asset value of about 2,000,000 last year, and you don't have a loan on that property. Is that right? Yep. That's correct. Yep. Beautiful. Asset value, would you change that, or do you think it's still around the 2,000,000 month? Oh, probably maybe with the market dropping now, it might be a bit less with the housing. Yeah. But maybe one That's point okay. that'd be worth. Yeah. Perfect. There we go. Excellent. And then I've also got your investment property down there as well. It was valued at 1,300,000 last year, and you owed about 58,000 on the interest only loan. How much? Sorry? Sorry. 58,000. 580, it is. Okay. There's an extra zero missing from there, so Yeah. let me pop that Yeah. in. I thought, wow. That is a really good loan. Must be very good at saving. I would love it No. to be That's yeah. Yeah. That'd be a direct message. absolutely. You'd have more for investment properties. No. Perfect. And and we also had a goal last year that you're looking to maybe buy another investment property. Have you purchased a secondary one, or is it still just the one? It's still just the one investment. Just the one. Yep. Perfect. And that's still interest only? That is still interest only. Yep. Yeah.","start_word":2954,"end_word":3192,"sentiment":"neutral","sentiment_score":0.04431893458301552},{"text":"Beautiful.","start_word":3193,"end_word":3193,"sentiment":"positive","sentiment_score":0.3595269024372101},{"text":"How long is the interest only for, or when does the interest only come off term? I think another four years. For you. Yep.","start_word":3194,"end_word":3217,"sentiment":"neutral","sentiment_score":0.028469758108258247},{"text":"Beautiful. Fantastic.","start_word":3218,"end_word":3219,"sentiment":"positive","sentiment_score":0.6744015216827393},{"text":"And with the investment property, what's the kind of long term goal? Are you just wanting to hold that until, let's say, doubles in value and planning to sell? Or do you wanna hold that into retirement and maybe supplement super with the income aspect? Have you thought about what you wanna do long term? Eventually, I wanna develop it. Yep. So I eventually developed that property because it's an older house and all that. Yeah.","start_word":3220,"end_word":3295,"sentiment":"neutral","sentiment_score":0.07861033827066422},{"text":"Perfect. Excellent.","start_word":3296,"end_word":3297,"sentiment":"positive","sentiment_score":0.5496611595153809},{"text":"And any plans to buy any more investment properties on the track as well? Probably down the track, but not anytime soon K. at the moment. No. That's okay. Probably waiting to see what happens with the legislation and what comes into play next year. Well yeah. Exactly. That'll have a huge effect on what we all decide to do. I was lucky I I have one, and then when this came into effect, I was in the process of looking for a second one. I was like, you know what? I think I'll hold up and see what happens as to how we sort of move forward with that because, yeah, Yeah. it Yeah. could go either way at this point. Absolutely. I have your car down here as well. A rough asset value of 15,000. What kind of car do you drive? It's a Hyundai Yeah.","start_word":3298,"end_word":3445,"sentiment":"neutral","sentiment_score":0.01754095032811165},{"text":"Fantastic.","start_word":3446,"end_word":3446,"sentiment":"positive","sentiment_score":0.42429041862487793},{"text":"They're very popular. Is it a good car you like it? Tucson. Yeah. I like it. I'm looking. I would love a new car, but Yes. don't we Sorry. all? Absolutely. And what's it about you do you think you'd put on that one at the moment? It's probably I reckon maybe down to 10,000. 10,000. Yeah. Perfect. And do you guys have a secondary vehicle at all? We do, but it's an old Mazda. That's okay. If you had to sell that, what kind of value do you think it's one for? What would you sell it for? $2,000 maybe? 2,000? Yeah.","start_word":3447,"end_word":3549,"sentiment":"neutral","sentiment_score":0.048279681794562386},{"text":"Fantastic. Excellent.","start_word":3550,"end_word":3551,"sentiment":"positive","sentiment_score":0.6468328237533569},{"text":"And I've got down here you've got some crypto. Do you still have that crypto? Yes. Still with the crypto. I even Beautiful. know the down, but but Yeah. I had 15,000 here at the moment. What is it valued at the moment, do you reckon? it would be let me tell you now. Yeah. You're right. It's at $18.06. Okay. Perfect. $18,600.","start_word":3552,"end_word":3614,"sentiment":"neutral","sentiment_score":0.05186561867594719},{"text":"Excellent. Well, that's up on lastly. That's fantastic.","start_word":3615,"end_word":3622,"sentiment":"positive","sentiment_score":0.4935765564441681},{"text":"And, oh, good. Just sort of also looking at your expenditure, are you managing to put much away in the way of savings at the moment, or is everything just kinda going to bills expenditure? No. I tried to put some away to savings. So Yep. about between me and my wife have savings around maybe $24 at the moment. Yep. Yep.","start_word":3623,"end_word":3684,"sentiment":"neutral","sentiment_score":0.021906482055783272},{"text":"Perfect. Excellent.","start_word":3685,"end_word":3686,"sentiment":"positive","sentiment_score":0.4209188818931579},{"text":"And I've got down here your employment contributions are going in. Are you open to adding any more, like, additional contributions in the super to kind of provide that boost, or are you preferring not to at the moment just focusing on your investments outside of super and family life? Yeah. Probably not to add to it Not anymore. yet? Just make it as this. Yeah. That's absolutely fine. That's not a problem at all. All good. The other thing to sorta have a look at is I've got down here that so I'm just double checking the last file. I don't have a record of having a will or power of attorney. Have you ever drawn up a will or had us look to the draw up a will and power of attorney? No. I don't have Yeah. No. That's okay. Is it something that a you and Rebecca have discussed about wheel. or what they're doing? To be honest with you, not really. No. That's okay. We do like to just double check the question because we make sure to have beneficiary nominations on file for your super so that in the event that you passed away, your super and your life insurance is directed to where you want it to go.","start_word":3687,"end_word":3900,"sentiment":"neutral","sentiment_score":0.04004642739892006},{"text":"But it's also important to make sure, especially with a young family, your investment properties, and everything that you've worked so hard for, that having your will and the power of attorney done up can provide extra security.","start_word":3901,"end_word":3938,"sentiment":"positive","sentiment_score":0.39723190665245056},{"text":"Without those sorts of things, if you pass away, even though majority of things should just go straight to your wife, Yes. essentially, things do still have to go through a probate process. So it may mean that people from your past can come forward and stake a claim. There's no guarantee Yeah.","start_word":3939,"end_word":3991,"sentiment":"neutral","sentiment_score":-0.13636484742164612},{"text":"they will get anything, but it can just make that process a little bit harder on your family.","start_word":3992,"end_word":4009,"sentiment":"negative","sentiment_score":-0.36294057965278625},{"text":"And as part of your estate planning with having young children as well, Setting up a guardianship.","start_word":4010,"end_word":4026,"sentiment":"neutral","sentiment_score":0.19313661754131317},{"text":"So in the event that something happens to yourself and your wife, your kids are looked after, you can set up a trust and have money directed to the trust of the kids and, yeah, make sure everything's set up to look after them down the track as well.","start_word":4027,"end_word":4075,"sentiment":"positive","sentiment_score":0.3465522527694702},{"text":"So those are the things that it's really important to have that conversation with your wife and sort of talk it out. And what what if something happened to us?","start_word":4076,"end_word":4105,"sentiment":"neutral","sentiment_score":0.17765167355537417},{"text":"It's a really hard conversation to have and not something any of us wanna think about.","start_word":4106,"end_word":4121,"sentiment":"negative","sentiment_score":-0.36717408895492554},{"text":"But, unfortunately, in our industry, we see these sorts of things occur on a regular basis.","start_word":4122,"end_word":4137,"sentiment":"neutral","sentiment_score":-0.31794458627700806},{"text":"And, you know, often without having any estate planning set up, it's a it is a very difficult time for families and very stressful.","start_word":4138,"end_word":4161,"sentiment":"negative","sentiment_score":-0.36947759985923767},{"text":"So we do just like to, as part of the review, just go through, ask the questions, and just, you know, reiterate the importance of having that conversation and drafting up a will and having either a will kicked on up. You can buy them from the post office. It's cheap. It's about $30 at the moment. Or you can also go to I know in New South Wales here, we have, like, RMS, so roads and maritime services, like the transport. It's part of the government, and they do help organize wills and will kits and things like that fairly cheaply. Or if you wanted to, my team could just email through some information on a local solicitor just sort of giving you a bit of costing to start the conversation there for you. Okay. Yeah. Did you want us to send through some details just to kind of give you some information on a local solicitor or just about the estate Yeah. planning side of things, or you're comfortable He's been with through this, he's please? entering I was gonna have a rate of Yep. that, and he to have a Yep. chance to my all that and then That's all good.","start_word":4162,"end_word":4365,"sentiment":"neutral","sentiment_score":0.1321435421705246},{"text":"That's all good.","start_word":4366,"end_word":4368,"sentiment":"positive","sentiment_score":0.6299018859863281},{"text":"Other than that, just sort of going through so I just also filled out majority of the risk profile for you. Obviously, you do have that cryptocurrency there. You've got a lot of time ahead of you. Just sort of looking at how, you know, investments are structured with what's happening in the market at the moment. If you did happen to see the markets fall in the next, say, year or two and the market fell by 20%. How do you think you might be feeling? Do you think you might be seeing it as an investment opportunity, a bit excited to put some money in, calling us a bit concerned and seeing what happens, or really anxious about it and maybe wanting to move your money to a more secure asset? How do you think you might feel? Well, 20% drop's pretty big, but kinda like I don't know. I'd probably leave it just because I know markets working cycles, I guess. So Yeah. Perfect. they will eventually come back. Yep. Yep. Absolutely. Especially in the time frame you've got available to you before accessing super. So absolutely. That's a really Yep. good answer. Have you ever thought about borrowing in order to invest in, say, investments like shares or managed funds, or do you only ever consider borrowing comfortable for, say, buying property? Probably I wouldn't probably take loans or a thing to buy shares or anything like that. Just for the property and the investments that That's you part got. of the problem. Yep. Yeah. Yeah. Absolutely.","start_word":4369,"end_word":4629,"sentiment":"neutral","sentiment_score":-0.03018920496106148},{"text":"Fantastic.","start_word":4630,"end_word":4630,"sentiment":"positive","sentiment_score":0.5448073148727417},{"text":"So having a look through there now, you did just score as a growth investor. So you are on that growth portfolio at the moment, which is at eighty twenty split to 80% growth investments like Australian equities, international equities, listed property, and also commodities like gold and silver. And then we generally see that 20 in low risk defensive investments, so things like cash, bonds, and fixed interest. It's all part of diversifying your investments and making sure we spread the risk level as far as possible over your investments to mitigate as much market risk as possible, as humanly possible at least, without trumping our back pocket. It's a bit hard. But this sort of portfolio does fit your time horizon. It suits someone who has about six years before accessing their investments, so super you have more than that time horizon ahead of you. And we are sort of averaging an expected return of about seven to 9% there compounding that over time, and we can expect negative years, say, one in every six years there. But, realistically, your time horizon, your risk capacity, and your tolerance, this portfolio does generally suit where you are. Are you comfortable staying in that kind of environment for now? Yeah. Comfortable in that thing in there.","start_word":4631,"end_word":4846,"sentiment":"neutral","sentiment_score":0.09456630051136015},{"text":"Yep. Beautiful. Excellent.","start_word":4847,"end_word":4849,"sentiment":"positive","sentiment_score":0.5720529556274414},{"text":"As I kinda mentioned before, I've sent that annual review pack to you. It does have all the documents I've gone through with regards to your insurance with your super, a rundown of the investment portfolio as well and how all the individual investments have performed. It's also got the financial services guide attached, which has all the information on myself as a licensed adviser and Access OQ Financial and your ongoing service agreement as well.","start_word":4850,"end_word":4925,"sentiment":"neutral","sentiment_score":0.2860410213470459},{"text":"So if you're happy to stay on board as a client, we'll get you to sign and return that back for me.","start_word":4926,"end_word":4947,"sentiment":"positive","sentiment_score":0.40764468908309937},{"text":"In the meantime, do you have any other questions? So is there anything I maybe have not touched on that you wanted to talk about, or is there any additional questions come from anything I've gone through? No. I think you covered everything. That's fine. Yep.","start_word":4948,"end_word":4993,"sentiment":"neutral","sentiment_score":0.06983651965856552},{"text":"Oh, all good.","start_word":4994,"end_word":4996,"sentiment":"positive","sentiment_score":0.4701174795627594},{"text":"Well, what I'll do is to go back is I'll go back and just do some research on the investment side of things for you. Once we do have that all sorted, my team will book you back in. We'll just go back and review the investments you have, look at all the other options for investments, and look at a portfolio that's gonna work harder for you, hopefully save you some money as well, and show you what that looks like over the next sort of five to ten years projected for you. Does that sound all cool Oh, That okay. sounds Sorry. good. Your tongue tied. Yes. I apologize. Good.","start_word":4997,"end_word":5108,"sentiment":"neutral","sentiment_score":0.18849846720695496},{"text":"Thank Oh, good, Michael.","start_word":5109,"end_word":5112,"sentiment":"positive","sentiment_score":0.43469470739364624},{"text":"Well, look, I will let you go.","start_word":5113,"end_word":5119,"sentiment":"neutral","sentiment_score":0.31458696722984314},{"text":"I know you are busy, but I appreciate you calling me back and going through that one.","start_word":5120,"end_word":5136,"sentiment":"positive","sentiment_score":0.4160585701465606},{"text":"If you find you have any questions, don't ever hesitate to give me a buzz. Okay? no worries.","start_word":5137,"end_word":5154,"sentiment":"neutral","sentiment_score":0.2582753002643585},{"text":"Thank you so much. That's okay. You enjoy the rest of your day.","start_word":5155,"end_word":5167,"sentiment":"positive","sentiment_score":0.6158095002174377},{"text":"Okay. See you later. Bye.","start_word":5168,"end_word":5172,"sentiment":"neutral","sentiment_score":0.23982760310173035},{"text":"Thanks.","start_word":5173,"end_word":5173,"sentiment":"positive","sentiment_score":0.4088453650474548},{"text":"See you later. Bye.","start_word":5174,"end_word":5177,"sentiment":"neutral","sentiment_score":0.23704904317855835}],"average":{"sentiment":"neutral","sentiment_score":0.09384921180243729}}}}