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Mate, if you're still available, please give us a call. I'll send you a text now and hopefully talk to you soon. Jason, how are you doing? Yeah. Veronica's going home sick, so I wanted to sort of jump in and have a chat to you. I'm one of the senior advisers here. Mate, do you still have a bit of time to go through that annual review with me? Half an hour is perfect. If you feel like it's running a little bit too close to the line, just let me know. Okay? Perfect. And just before I jump into it, are you okay for the call to be recorded? Awesome. And just for security of your account, do you recall your client password with us? It is there's a prompt here for second child's middle name. That's the one. Thank you so much for that, Jason. Appreciate that, mate. Now what I wanted to go through with you, you had some concerns around the volatility in your super and what obviously, what's going on in The US and some risks and things like that. So I really wanted to address that with you today, which is why we didn't wanna kind of reschedule today's meeting because, obviously, there's a lot going on, and pretty important to have a chat there. I do wanna go over just a general annual review with you as well, make sure we're covering all bases if that's okay. Perfect. Perfect. So before I get into the sort of meat and potatoes of the markets, I'm just gonna have a quick look through the details that we have on file because we've changed systems at the moment to a new CRM. Just wanna make sure all this is still accurate. So I'm looking through the address. Are you still in McAlester Avenue? Perfect. And partner's still Jasmine, one child, and she would be like your next of kin and beneficiary. Yep. So you've got one dependent, three children in total. Cool. So we'll say one's 18, three above. No way. Okay. So would I say four children total all above the age of 18? Three total all over 18. Amazing. I'll update that. Thank you. Occupation wise, are you still a business business development manager earning about 110,000? Yep. K. Now with the employer, what's the employer name that's coming through? Grace. That's the one. Thank you. Now when it comes to cash flow, are you putting aside, like, a certain amount of savings each week, fortnight, or month? Perfect. And then it obviously go into a few different things. We do have a car and a credit card listed. Little bit of a car loan left, a little bit owing on the credit card. Is that still the case? Yep. Perfect. Do you have any other assets or liabilities? Any, like, new home loans or personal loans, shares, crypto, anything like that? Perfect. And last thing for assets is just do you have an amount put away in savings so far? Bit of an emergency buffer. Cool. You wouldn't even have an estimate if it's $5.10, 15,000? 20. That's perfect. Just wanna make sure we're taking that into account. Have you ever gone through bankruptcy or debt agreement before? Perfect. We've got your health details. You're still a nonsmoker on high blood blood pressure medication, and you don't have a will in place or anything like that? Beautiful. Alright. So that all seems to be accurate. I'm just gonna put a couple of updates here, and we're good to go. Awesome. Just quickly checking the goals as well. So the main thing when it comes to the superannuation is we have you set to try and retire in around ten to fifteen years. So you're still in a very kind of precarious position where you're trying to grow your super enough to have enough to retire on, but you obviously don't wanna risk too much of it that you're losing it very close to retirement. Does that sound about right? Perfect. Other than that, you're focusing on some travel with the family, might be looking at a a property purchase down the line. Is that correct? Beautiful. Okay. So just diving into the super, you've obviously been have you logged into Hub? Have you had a little look at the balance fluctuating, all that kind of thing? Yep. How regular would you check it? At the moment, daily. Oh, you're a bit of a that's a bit of a concern, of course, but I don't blame you, with what's going on. Anytime you see a news article, you can practically log in the next day and see what's happened to the super and see a movement up or down. So it's one of those periods. Correct. Correct. Now going into risk profile categories, so I just wanna start there for a moment. You're in essentially what's called a balanced growth. So the way I see it when I look at your super is you're kind of like a 3.5 out of five. You're a little bit more than medium in terms of risk. Just trying to get that extra little bit of growth, but you're not going into the the growth, high growth, high risk end. You're just above medium. Does that make sense? Yep. So when you're in that balanced growth, you're aiming for around about, say, 75% in growth assets. Shares, property, and gold, a quarter of your super should be in something pretty safe that can get you a nice safe return. That's kind of the balancing act. Does that make sense? Cool. Two things that I can see straight away. 10% of a drop since October, that's a little bit on the high end for a balanced growth. I would have expected it to be around about 7%. So that's kind of giving me flag number one. Flag number two, can you ever see the investment options that you have? Have you ever looked at the seven or eight options that we've got you in? Yep. The one I'm pointing at here, I'm hoping you've seen it, is Ben Long Australian Equities. Have you seen that? Yep. Cool. So what I can basically see here is that most of the options have done pretty well. Gold and American shares are up. Your safe assets are still doing their thing. They're kind of doing that one to 4% returns, which is what you want to kind of offset all those growth assets that you have. K? So that's point number one. What I can see in that Benelon option is your Australian shares have kind of dropped a little bit faster than what the Australian market has done. So there's around about 21% of your super in Australian shares, and it's going down a little bit quicker than the Aussie market is, if that makes sense. Yep. Absolutely. To be perfectly honest, this Bennelong Fund was top five Australian shares manager three, four years ago across the whole country. They won all the awards, did all the fancy stuff, and then they've seemingly in the last twelve to eighteen months split off from the pack completely, and they've just been dropping, dropping faster than everybody else, which is a concern of mine. So I think that's what's causing the extra little bit of risk than what we would expect. So that 7% combined up to the 10% is pretty much all down to that one option. So we have to fix it. We have to update things. We've already talked to the investment committee around some replacement options for this year for clients, and we've come up with a few. Can I just ask you one quick question? Because, obviously, Veronica, your adviser, and I, we're gonna make some recommendations. But I do wanna get just a little bit of a style question to you, if that's okay. So you've got two main styles. You've got active and passive. Passive is more low fee index funds that follows the market very closely, very low investment fees, but you get the return of the market. The active side, you pay a little bit higher fees. They try and pick and choose stocks, try and get a better return than the market. Which way does your sort of gut feeling pull you towards? Yep. Easy done. I do have some good active and passive replacements for this one option. So I'm more than happy to go low fees, replace that one, get it a bit more in line with the Aussie market, And then I'm gonna do a bit of a deep dive with the team to see if there's any other risks that we're not seeing that may cause some big drops in your fund this year. Because what I wanna do is I wanna make sure that the risk level that you're in is what you would expect. So in a balanced growth, in a single year, it could go up ten, fifteen, 18%, or it could drop, say, seven to 15 if we had a big crash like a GFC, COVID, that kind of thing. So to see that 10 very quickly, that's yeah. That's a bit high. That's a bit high. Yep. Yeah. Yeah. Correct. One of the cool things at least is as the contributions are going in, we're gonna be buying into the market as it drops. So when it goes up, you're gonna get a nice high return on the way up again. Because when I said at the start of the call, you're retiring in ten to fifteen years, you've kind of got, I guess, two market cycles ahead of you. So what I mean by that is stock market grows for five, six years, then it crashes, grows, and then it crashes. So this next seven years for you is to get as much growth out of it as possible to get enough there for retirement, and then it's a matter of protecting it. So in that last seven years, we go from balanced growth, 75%. We then go to drop you down to sixty, fifty, 40% over those last seven years so that when you do hit sixty, sixty five, 67, you don't lose half of it because the stock market crashed. You can actually retire on it, put it into a pension account, and safely kind of draw down an income. Does that make sense? K. Now just what I was saying before around that balanced growth risk profile, to me, it still seems appropriate for you because, again, the balancing between the time frame and the risk and the returns. Are you comfortable with that profile itself as I've explained it? Yep. So let's just make sure we optimize the options, get rid of the bad apple, and make sure there's nothing crazy under the hood that we're not taking to account. Happy with that? Perfect. So what I'm gonna do, I'm gonna do an updated advice document for you over the next couple of weeks. I'm gonna put together some research, look at updating some of the options there, then we're gonna walk through it together. I'm gonna run it through with Veronica just so she can see what we're doing. And that way, we're very risk conscious, and then just get you back on track for those long term returns. Again, we're still aiming for that kind of eight to 12% average, but, again, let's just address the risk at the moment. Now when it comes to contributions, I'm gonna base this off what your employer is putting in. Did you want me to consider anything in terms of salary sacrifice or anything like that, or have you got enough priorities for your cash flow at this point? Yeah. No. That's totally fine. So I'll just try and base it on getting you to that retirement goal based on what your work's putting in and the growth of the funds. Cool. Cool. That's the next thing I was gonna talk to you about. We've got a certificate of currency here, and I'm just having a look at it now. I'm actually gonna email it through to you. We've got next bill date is the July 20. So you're already paid up for the year. The next one's not for a few months' time. Because it is more than a few months away, you're gonna get a policy anniversary around end of financial year, letting you know what they've altered the policy to look like. Because you know how every year, prices increase, they change your cover amount a little bit. At the moment, let me just check what you've got. You've got TPD insurance. That's total disability for 741,489. So that's your lump sum. If you can never work again, that's pretty much what you get. That's still a solid 3,600, and it wouldn't surprise me if that was over $4 next anniversary. So I need to be conscious of fees as well because if that skyrockets while the market's going down, you're gonna get a bit of a double whammy on the way down. Yeah. Absolutely. So what I'll do, because we don't have those figures until thirty to sixty days out, I'm gonna put in an update discussion for Veronica to have a chat with you or myself around about May, early June. And as soon as we have those figures, we'll talk you through the price increase and whether we need to alter that, shop around, trim it down, whatever it needs to be. So at the moment, you're okay for me to just leave that alone for a couple of months? Yep. Yep. Twentieth of July. So that'll come through to you in the annual review pack as well. I don't see any life insurance income protection trauma cover. It looks like just TPD at this point. Yeah. Yeah. That's it. 741,000 of just lump sum TPD, so there's no life insurance or anything. When we have that updated chat around the insurances, do you want us to look at some quotes for, like, life insurance or something or leave that alone for a while? Okay. Do you want me to look at that now, or are you happy to wait until June? Sooner rather than later. Okay. So do you want me to at least get a sorry. Yeah. The other thing too, your birthday is June 27, isn't it? K. So if you don't get anything in place before then, the next birthday, you get that increased price, and that's set for a year. So if we get it done before then, at least you've got that price locked in a little bit earlier. Let me just have a quick look here. So normally, you can get them both linked together, and it's pretty cheap to have them both combined with a life and TPD insurance is shared. And then you've got something called like a buyback. So if you claim on your disability, it depletes your life insurance, but then for, like, $20 a month, you can fill it back up again. So do you want me to just look at a bit of a quote for, like, an equal amount of life insurance to the TPD? K. So I'll do that with Tau. I will just do my normal check where we just attack the software and see if there's any other providers out there that are more appropriate or offering a better deal. If we're gonna do that, can I just check with you as well health wise? The the high blood pressure, is that still been pretty well maintained with the medication? Cool. So normal ratings and everything like that? Perfect. Has anything else happened to you in the last three, six, nine months? Any new diagnosis or injuries or illnesses? Perfect. Perfect. One thing we can do if you're comfortable is we can do a pre assessment where we'll go through those medical questions anonymously, and then we can shoot that out to the insurers and see if anything will be an issue. That can save us a bit of an issue than just submitting an application if you wanna do that. Cool. Can I just get from you updated height and weight as well? I just wanna double check BMI your a hundred and eighty two centimeters. Yeah. No. That's fair. We all do. And what about weight in kilos or pounds, whatever you're used to? $1.20. Thank you for that. Okay. Let me just have a little look at the calculator because I know TAL's got discounts for a certain range, and some providers are better than others. TAL has a very lenient range. So even people like 40, 42, they they still offer cover. I just wanna avoid some, like, loadings because they can increase your price by 50 to a 100%, and the last thing you need is $10 coming out. Alright. Plug this in. Alright. 36.6. So we're a little bit on the borderline side, but TEL is still usually the best for that. Maybe a bit of a loading. So what I'll do is I'll get a bit of a quote drawn up while I go through this portfolio update with you. Do you have, like, twenty minutes or so that I can book you in to go through those medical questions with the team? Absolutely not today. More just any day that sort of suits you. We do have some late nights available and things like that. Tomorrow afternoon could do. Are you guys still on daylight savings for, like, a week? Oh, no. Alright. Perfect. So I'll I'll take into account that hour difference when I book in. What's a good time tomorrow afternoon for you? Yep. 02:30. Yeah. Yeah. It's just running through those those health questions. We've already got most of the info, and I'll tell the team to keep it nice and short and sweet for you. So 02:30 your time. That's 01:30 Queensland time. What I'll do is I'll get the team to send you a bit of a heads up text. We should have someone available then. If not, we'll let you know straight away. Perfect. Alright. Now beyond that, mate, we've gone through a few things today. I'll give you the usual reminders for sorting out the will and the power of attorney when I give you that updated advice document. I mean, if you're comfortable with it, you don't have to go to a solicitor. You can talk to the public trustee of New South Wales, you know, the court the courtrooms, do wills as well. Post office, there's $25 will kits if you're that way inclined. And if there's any info you want on estate planning, more than happy to talk you through it as well. Cool. And because all the kids are over 18, it's it's pretty standard. Right? Your partner receives the super at the moment and the life insurance when we put that in place, and then eventually, it filters down to the adult children. Perfect. Alrighty, mate. Any questions for me at this point? So it's based on a percentage of the balance. So as the balance goes up or goes down, the fees are paid sort of monthly because, obviously, one year lump sum, that's a bit extreme. Spread it out through the year to minimize the impact. So it's 1.65% for the year split into the monthlies. And then as the balance fluctuates, it just follows it on a monthly basis. Once you get to 600,000, it does flatline. There is a cap because we do have those clients, 1,000,000, 2,000,000, 3,000,000 dollars. Again, we're good at what we do on this side, but $30 is is probably a bit high. So the caps when you hit 600,000, and, yes, it follows up and down monthly. K. So that's Really? I'm gonna have a look at that because that's that should not be the case. It should be pretty well pegged alongside it. Let me just have a quick little look. And thank you for raising that. Let me just have a look at your transaction history, make sure there's nothing crazy going on. I've got contributions coming in from Grace Removals. Fantastic. When is the last adviser fees we had? March 4, March and then April. So it dropped about $50 for the month between February and March. Yeah. Don't know if maybe you're thinking of I mean, there's obviously the hub fees as well that come out, but then you've got the rebate comes in as well, and then the tax liabilities from the contributions and and growth comes out of it as well. One of the things that I've got to do too is when we update your plan and we give you some updated projections is we'll factor in taxes, fees, and insurance premiums just so we can take all that into account as well, Make sure we're still getting you into a better position when all is said and done. Alright, Jason. I wanna check with you as well because we're gonna have a bit of a catch up towards June, July, and we've got a few things to do. Do you want me to kind of just set you up for a bit of a quarterly contact this year, or or once this first half of the year is done, would you prefer to kind of let that go for six months? Yep. Yeah. Yep. Absolutely. So we've had that chat today. I'll go through that updated advice document with you once I've got the quotes and research done for the portfolio, and then we'll have a bit of a chat around May, early June for the changes in the TPD insurance. And then after that, we can pretty much roll on, you know, August, September, Christmas after that. Cool. Easy. Now I do have to ask you all important question. Are you still comfortable for us to look after the super at this point for this year? Yep. So I'll send you through that annual review pack to your email. It has a summary of the super insurance just to let you know, like, what accounts you've got, balances based on the day. You've got your portfolio performance. You've got financial services guide with us because we do update licensing details every year. All of your consumer protections are in that one. We've got some pretty in-depth reports for your super. Bit of a Vanguard chart if you're curious about how the markets go. Your certificate of currency for the TPD insurance, not that something's gonna happen, but if you if something does happen and you do need a claim on that towel insurance, you can give us a call, and we'll help you through the claims process. And we do do a lot of, you know, disability advice. Someone who's been in a car accident can never work again. Here's a million dollars. How do you make it last? So we're available for the claims and what to do with it afterwards. And I'm just looking through the documents. There should also be one other one I wanted to run by you is a like, it should be like a tax file number declaration. We're trying to be careful with housing people's sensitive information. So usually, we keep your tax phone number on just the one document now and just need to make sure you we've got your consent to utilize it at the time. Yep. I think we've already got it. I was just scrolling through the pack, and it's not in there at the moment. So I think we already have it in place. Cool. Okay. One thing I'll do when I go to get the quotes is I'm just gonna scroll back through your file and find out how you just got TPD policy in place. I'll I'll kind of go through the history a little bit and see what I can find. Awesome. Email address, the y seven mail for you, Jason Mall. Yep. That's okay. Alright. I'll pop that through to you shortly. If you have any questions, let me know. The team will be in touch in a few weeks just to get you booked in to go through that updated advice document. Awesome, Jason. Anything else I can help you with, mate? You too. I appreciate you jumping from call to call. And we have just kept it to twenty eight minutes, so right on time. No worries at all, mate. I'll talk to you soon, mate. Thank you. 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Jason. It's Tommy here, senior adviser from Oakview Financial. Just giving you a call to go through that annual review and discuss your superannuation. Our number is 130160796. Mate, if you're still available, please give us a call.\n\nI'll send you a text now and hopefully talk to you soon. Jason, how are you doing? Yeah. Veronica's going home sick, so I wanted to sort of jump in and have a chat to you. I'm one of the senior advisers here.\n\nMate, do you still have a bit of time to go through that annual review with me? Half an hour is perfect. If you feel like it's running a little bit too close to the line, just let me know. Okay? Perfect.\n\nAnd just before I jump into it, are you okay for the call to be recorded? Awesome. And just for security of your account, do you recall your client password with us? It is there's a prompt here for second child's middle name. That's the one.\n\nThank you so much for that, Jason. Appreciate that, mate. Now what I wanted to go through with you, you had some concerns around the volatility in your super and what obviously, what's going on in The US and some risks and things like that. So I really wanted to address that with you today, which is why we didn't wanna kind of reschedule today's meeting because, obviously, there's a lot going on, and pretty important to have a chat there. I do wanna go over just a general annual review with you as well, make sure we're covering all bases if that's okay.\n\nPerfect. Perfect. So before I get into the sort of meat and potatoes of the markets, I'm just gonna have a quick look through the details that we have on file because we've changed systems at the moment to a new CRM. Just wanna make sure all this is still accurate. So I'm looking through the address.\n\nAre you still in McAlester Avenue? Perfect. And partner's still Jasmine, one child, and she would be like your next of kin and beneficiary. Yep. So you've got one dependent, three children in total.\n\nCool. So we'll say one's 18, three above. No way. Okay. So would I say four children total all above the age of 18?\n\nThree total all over 18. Amazing. I'll update that. Thank you. Occupation wise, are you still a business business development manager earning about 110,000?\n\nYep. K. Now with the employer, what's the employer name that's coming through? Grace. That's the one.\n\nThank you. Now when it comes to cash flow, are you putting aside, like, a certain amount of savings each week, fortnight, or month? Perfect. And then it obviously go into a few different things. We do have a car and a credit card listed.\n\nLittle bit of a car loan left, a little bit owing on the credit card. Is that still the case? Yep. Perfect. Do you have any other assets or liabilities?\n\nAny, like, new home loans or personal loans, shares, crypto, anything like that? Perfect. And last thing for assets is just do you have an amount put away in savings so far? Bit of an emergency buffer. Cool.\n\nYou wouldn't even have an estimate if it's $5.10, 15,000? 20. That's perfect. Just wanna make sure we're taking that into account. Have you ever gone through bankruptcy or debt agreement before?\n\nPerfect. We've got your health details. You're still a nonsmoker on high blood blood pressure medication, and you don't have a will in place or anything like that? Beautiful. Alright.\n\nSo that all seems to be accurate. I'm just gonna put a couple of updates here, and we're good to go. Awesome. Just quickly checking the goals as well. So the main thing when it comes to the superannuation is we have you set to try and retire in around ten to fifteen years.\n\nSo you're still in a very kind of precarious position where you're trying to grow your super enough to have enough to retire on, but you obviously don't wanna risk too much of it that you're losing it very close to retirement. Does that sound about right? Perfect. Other than that, you're focusing on some travel with the family, might be looking at a a property purchase down the line. Is that correct?\n\nBeautiful. Okay. So just diving into the super, you've obviously been have you logged into Hub? Have you had a little look at the balance fluctuating, all that kind of thing? Yep.\n\nHow regular would you check it? At the moment, daily. Oh, you're a bit of a that's a bit of a concern, of course, but I don't blame you, with what's going on. Anytime you see a news article, you can practically log in the next day and see what's happened to the super and see a movement up or down. So it's one of those periods.\n\nCorrect. Correct. Now going into risk profile categories, so I just wanna start there for a moment. You're in essentially what's called a balanced growth. So the way I see it when I look at your super is you're kind of like a 3.5 out of five.\n\nYou're a little bit more than medium in terms of risk. Just trying to get that extra little bit of growth, but you're not going into the the growth, high growth, high risk end. You're just above medium. Does that make sense? Yep.\n\nSo when you're in that balanced growth, you're aiming for around about, say, 75% in growth assets. Shares, property, and gold, a quarter of your super should be in something pretty safe that can get you a nice safe return. That's kind of the balancing act. Does that make sense? Cool.\n\nTwo things that I can see straight away. 10% of a drop since October, that's a little bit on the high end for a balanced growth. I would have expected it to be around about 7%. So that's kind of giving me flag number one. Flag number two, can you ever see the investment options that you have?\n\nHave you ever looked at the seven or eight options that we've got you in? Yep. The one I'm pointing at here, I'm hoping you've seen it, is Ben Long Australian Equities. Have you seen that? Yep.\n\nCool. So what I can basically see here is that most of the options have done pretty well. Gold and American shares are up. Your safe assets are still doing their thing. They're kind of doing that one to 4% returns, which is what you want to kind of offset all those growth assets that you have.\n\nK? So that's point number one. What I can see in that Benelon option is your Australian shares have kind of dropped a little bit faster than what the Australian market has done. So there's around about 21% of your super in Australian shares, and it's going down a little bit quicker than the Aussie market is, if that makes sense. Yep.\n\nAbsolutely. To be perfectly honest, this Bennelong Fund was top five Australian shares manager three, four years ago across the whole country. They won all the awards, did all the fancy stuff, and then they've seemingly in the last twelve to eighteen months split off from the pack completely, and they've just been dropping, dropping faster than everybody else, which is a concern of mine. So I think that's what's causing the extra little bit of risk than what we would expect. So that 7% combined up to the 10% is pretty much all down to that one option.\n\nSo we have to fix it. We have to update things. We've already talked to the investment committee around some replacement options for this year for clients, and we've come up with a few. Can I just ask you one quick question? Because, obviously, Veronica, your adviser, and I, we're gonna make some recommendations.\n\nBut I do wanna get just a little bit of a style question to you, if that's okay. So you've got two main styles. You've got active and passive. Passive is more low fee index funds that follows the market very closely, very low investment fees, but you get the return of the market. The active side, you pay a little bit higher fees.\n\nThey try and pick and choose stocks, try and get a better return than the market. Which way does your sort of gut feeling pull you towards? Yep. Easy done. I do have some good active and passive replacements for this one option.\n\nSo I'm more than happy to go low fees, replace that one, get it a bit more in line with the Aussie market, And then I'm gonna do a bit of a deep dive with the team to see if there's any other risks that we're not seeing that may cause some big drops in your fund this year. Because what I wanna do is I wanna make sure that the risk level that you're in is what you would expect. So in a balanced growth, in a single year, it could go up ten, fifteen, 18%, or it could drop, say, seven to 15 if we had a big crash like a GFC, COVID, that kind of thing. So to see that 10 very quickly, that's yeah. That's a bit high.\n\nThat's a bit high. Yep. Yeah. Yeah. Correct.\n\nOne of the cool things at least is as the contributions are going in, we're gonna be buying into the market as it drops. So when it goes up, you're gonna get a nice high return on the way up again. Because when I said at the start of the call, you're retiring in ten to fifteen years, you've kind of got, I guess, two market cycles ahead of you. So what I mean by that is stock market grows for five, six years, then it crashes, grows, and then it crashes. So this next seven years for you is to get as much growth out of it as possible to get enough there for retirement, and then it's a matter of protecting it.\n\nSo in that last seven years, we go from balanced growth, 75%. We then go to drop you down to sixty, fifty, 40% over those last seven years so that when you do hit sixty, sixty five, 67, you don't lose half of it because the stock market crashed. You can actually retire on it, put it into a pension account, and safely kind of draw down an income. Does that make sense? K.\n\nNow just what I was saying before around that balanced growth risk profile, to me, it still seems appropriate for you because, again, the balancing between the time frame and the risk and the returns. Are you comfortable with that profile itself as I've explained it? Yep. So let's just make sure we optimize the options, get rid of the bad apple, and make sure there's nothing crazy under the hood that we're not taking to account. Happy with that?\n\nPerfect. So what I'm gonna do, I'm gonna do an updated advice document for you over the next couple of weeks. I'm gonna put together some research, look at updating some of the options there, then we're gonna walk through it together. I'm gonna run it through with Veronica just so she can see what we're doing. And that way, we're very risk conscious, and then just get you back on track for those long term returns.\n\nAgain, we're still aiming for that kind of eight to 12% average, but, again, let's just address the risk at the moment. Now when it comes to contributions, I'm gonna base this off what your employer is putting in. Did you want me to consider anything in terms of salary sacrifice or anything like that, or have you got enough priorities for your cash flow at this point? Yeah. No.\n\nThat's totally fine. So I'll just try and base it on getting you to that retirement goal based on what your work's putting in and the growth of the funds. Cool. Cool. That's the next thing I was gonna talk to you about.\n\nWe've got a certificate of currency here, and I'm just having a look at it now. I'm actually gonna email it through to you. We've got next bill date is the July 20. So you're already paid up for the year. The next one's not for a few months' time.\n\nBecause it is more than a few months away, you're gonna get a policy anniversary around end of financial year, letting you know what they've altered the policy to look like. Because you know how every year, prices increase, they change your cover amount a little bit. At the moment, let me just check what you've got. You've got TPD insurance. That's total disability for 741,489.\n\nSo that's your lump sum. If you can never work again, that's pretty much what you get. That's still a solid 3,600, and it wouldn't surprise me if that was over $4 next anniversary. So I need to be conscious of fees as well because if that skyrockets while the market's going down, you're gonna get a bit of a double whammy on the way down. Yeah.\n\nAbsolutely. So what I'll do, because we don't have those figures until thirty to sixty days out, I'm gonna put in an update discussion for Veronica to have a chat with you or myself around about May, early June. And as soon as we have those figures, we'll talk you through the price increase and whether we need to alter that, shop around, trim it down, whatever it needs to be. So at the moment, you're okay for me to just leave that alone for a couple of months? Yep.\n\nYep. Twentieth of July. So that'll come through to you in the annual review pack as well. I don't see any life insurance income protection trauma cover. It looks like just TPD at this point.\n\nYeah. Yeah. That's it. 741,000 of just lump sum TPD, so there's no life insurance or anything. When we have that updated chat around the insurances, do you want us to look at some quotes for, like, life insurance or something or leave that alone for a while?\n\nOkay. Do you want me to look at that now, or are you happy to wait until June? Sooner rather than later. Okay. So do you want me to at least get a sorry.\n\nYeah. The other thing too, your birthday is June 27, isn't it? K. So if you don't get anything in place before then, the next birthday, you get that increased price, and that's set for a year. So if we get it done before then, at least you've got that price locked in a little bit earlier.\n\nLet me just have a quick look here. So normally, you can get them both linked together, and it's pretty cheap to have them both combined with a life and TPD insurance is shared. And then you've got something called like a buyback. So if you claim on your disability, it depletes your life insurance, but then for, like, $20 a month, you can fill it back up again. So do you want me to just look at a bit of a quote for, like, an equal amount of life insurance to the TPD?\n\nK. So I'll do that with Tau. I will just do my normal check where we just attack the software and see if there's any other providers out there that are more appropriate or offering a better deal. If we're gonna do that, can I just check with you as well health wise? The the high blood pressure, is that still been pretty well maintained with the medication?\n\nCool. So normal ratings and everything like that? Perfect. Has anything else happened to you in the last three, six, nine months? Any new diagnosis or injuries or illnesses?\n\nPerfect. Perfect. One thing we can do if you're comfortable is we can do a pre assessment where we'll go through those medical questions anonymously, and then we can shoot that out to the insurers and see if anything will be an issue. That can save us a bit of an issue than just submitting an application if you wanna do that. Cool.\n\nCan I just get from you updated height and weight as well? I just wanna double check BMI your a hundred and eighty two centimeters. Yeah. No. That's fair.\n\nWe all do. And what about weight in kilos or pounds, whatever you're used to? $1.20. Thank you for that. Okay.\n\nLet me just have a little look at the calculator because I know TAL's got discounts for a certain range, and some providers are better than others. TAL has a very lenient range. So even people like 40, 42, they they still offer cover. I just wanna avoid some, like, loadings because they can increase your price by 50 to a 100%, and the last thing you need is $10 coming out. Alright.\n\nPlug this in. Alright. 36.6. So we're a little bit on the borderline side, but TEL is still usually the best for that. Maybe a bit of a loading.\n\nSo what I'll do is I'll get a bit of a quote drawn up while I go through this portfolio update with you. Do you have, like, twenty minutes or so that I can book you in to go through those medical questions with the team? Absolutely not today. More just any day that sort of suits you. We do have some late nights available and things like that.\n\nTomorrow afternoon could do. Are you guys still on daylight savings for, like, a week? Oh, no. Alright. Perfect.\n\nSo I'll I'll take into account that hour difference when I book in. What's a good time tomorrow afternoon for you? Yep. 02:30. Yeah.\n\nYeah. It's just running through those those health questions. We've already got most of the info, and I'll tell the team to keep it nice and short and sweet for you. So 02:30 your time. That's 01:30 Queensland time.\n\nWhat I'll do is I'll get the team to send you a bit of a heads up text. We should have someone available then. If not, we'll let you know straight away. Perfect. Alright.\n\nNow beyond that, mate, we've gone through a few things today. I'll give you the usual reminders for sorting out the will and the power of attorney when I give you that updated advice document. I mean, if you're comfortable with it, you don't have to go to a solicitor. You can talk to the public trustee of New South Wales, you know, the court the courtrooms, do wills as well. Post office, there's $25 will kits if you're that way inclined.\n\nAnd if there's any info you want on estate planning, more than happy to talk you through it as well. Cool. And because all the kids are over 18, it's it's pretty standard. Right? Your partner receives the super at the moment and the life insurance when we put that in place, and then eventually, it filters down to the adult children.\n\nPerfect. Alrighty, mate. Any questions for me at this point? So it's based on a percentage of the balance. So as the balance goes up or goes down, the fees are paid sort of monthly because, obviously, one year lump sum, that's a bit extreme.\n\nSpread it out through the year to minimize the impact. So it's 1.65% for the year split into the monthlies. And then as the balance fluctuates, it just follows it on a monthly basis. Once you get to 600,000, it does flatline. There is a cap because we do have those clients, 1,000,000, 2,000,000, 3,000,000 dollars.\n\nAgain, we're good at what we do on this side, but $30 is is probably a bit high. So the caps when you hit 600,000, and, yes, it follows up and down monthly. K. So that's Really? I'm gonna have a look at that because that's that should not be the case.\n\nIt should be pretty well pegged alongside it. Let me just have a quick little look. And thank you for raising that. Let me just have a look at your transaction history, make sure there's nothing crazy going on. I've got contributions coming in from Grace Removals.\n\nFantastic. When is the last adviser fees we had? March 4, March and then April. So it dropped about $50 for the month between February and March. Yeah.\n\nDon't know if maybe you're thinking of I mean, there's obviously the hub fees as well that come out, but then you've got the rebate comes in as well, and then the tax liabilities from the contributions and and growth comes out of it as well. One of the things that I've got to do too is when we update your plan and we give you some updated projections is we'll factor in taxes, fees, and insurance premiums just so we can take all that into account as well, Make sure we're still getting you into a better position when all is said and done. Alright, Jason. I wanna check with you as well because we're gonna have a bit of a catch up towards June, July, and we've got a few things to do. Do you want me to kind of just set you up for a bit of a quarterly contact this year, or or once this first half of the year is done, would you prefer to kind of let that go for six months?\n\nYep. Yeah. Yep. Absolutely. So we've had that chat today.\n\nI'll go through that updated advice document with you once I've got the quotes and research done for the portfolio, and then we'll have a bit of a chat around May, early June for the changes in the TPD insurance. And then after that, we can pretty much roll on, you know, August, September, Christmas after that. Cool. Easy. Now I do have to ask you all important question.\n\nAre you still comfortable for us to look after the super at this point for this year? Yep. So I'll send you through that annual review pack to your email. It has a summary of the super insurance just to let you know, like, what accounts you've got, balances based on the day. You've got your portfolio performance.\n\nYou've got financial services guide with us because we do update licensing details every year. All of your consumer protections are in that one. We've got some pretty in-depth reports for your super. Bit of a Vanguard chart if you're curious about how the markets go. Your certificate of currency for the TPD insurance, not that something's gonna happen, but if you if something does happen and you do need a claim on that towel insurance, you can give us a call, and we'll help you through the claims process.\n\nAnd we do do a lot of, you know, disability advice. Someone who's been in a car accident can never work again. Here's a million dollars. How do you make it last? So we're available for the claims and what to do with it afterwards.\n\nAnd I'm just looking through the documents. There should also be one other one I wanted to run by you is a like, it should be like a tax file number declaration. We're trying to be careful with housing people's sensitive information. So usually, we keep your tax phone number on just the one document now and just need to make sure you we've got your consent to utilize it at the time. Yep.\n\nI think we've already got it. I was just scrolling through the pack, and it's not in there at the moment. So I think we already have it in place. Cool. Okay.\n\nOne thing I'll do when I go to get the quotes is I'm just gonna scroll back through your file and find out how you just got TPD policy in place. I'll I'll kind of go through the history a little bit and see what I can find. Awesome. Email address, the y seven mail for you, Jason Mall. Yep.\n\nThat's okay. Alright. I'll pop that through to you shortly. If you have any questions, let me know. The team will be in touch in a few weeks just to get you booked in to go through that updated advice document.\n\nAwesome, Jason. Anything else I can help you with, mate? You too. I appreciate you jumping from call to call. And we have just kept it to twenty eight minutes, so right on time.\n\nNo worries at all, mate. I'll talk to you soon, mate. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Jason.","start":13.215,"end":14.015,"sentiment":"neutral","sentiment_score":0.08873578533530235},{"text":"It's Tommy here, senior adviser from Oakview Financial.","start":14.015,"end":16.915,"sentiment":"neutral","sentiment_score":0.13394673354923725},{"text":"Just giving you a call to go through that annual review and discuss your superannuation.","start":17.055,"end":20.595001,"sentiment":"neutral","sentiment_score":0.20693838695685068},{"text":"Our number is 130160796.","start":21.215,"end":24.69,"sentiment":"neutral","sentiment_score":0.07322307117283344},{"text":"Mate, if you're still available, please give us a call.","start":24.85,"end":27.01,"sentiment":"neutral","sentiment_score":0.054390023462474346}],"sentiment":"neutral","sentiment_score":0.13307471186495745,"num_words":39,"start":13.215,"end":27.01},{"sentences":[{"text":"I'll send you a text now and hopefully talk to you soon.","start":27.01,"end":29.75,"sentiment":"neutral","sentiment_score":0.1182714415093263},{"text":"Jason, how are you doing?","start":32.13,"end":33.35,"sentiment":"neutral","sentiment_score":0.21436053812503814},{"text":"Yeah.","start":43.105003,"end":43.585003,"sentiment":"neutral","sentiment_score":-0.11144264787435532},{"text":"Veronica's going home sick, so I wanted to sort of jump in and have a chat to you.","start":43.585003,"end":47.985,"sentiment":"neutral","sentiment_score":-0.09608366630143589},{"text":"I'm one of the senior advisers here.","start":47.985,"end":49.765,"sentiment":"neutral","sentiment_score":0.01610046678355762}],"sentiment":"neutral","sentiment_score":0.017739874765623446,"num_words":43,"start":27.01,"end":49.765},{"sentences":[{"text":"Mate, do you still have a bit of time to go through that annual review with me?","start":51.21,"end":54.75,"sentiment":"neutral","sentiment_score":0.12290047678877325},{"text":"Half an hour is perfect.","start":57.05,"end":58.25,"sentiment":"positive","sentiment_score":0.3816477179527283},{"text":"If you feel like it's running a little bit too close to the line, just let me know.","start":58.25,"end":61.77,"sentiment":"neutral","sentiment_score":0.03776938964923223},{"text":"Okay?","start":61.77,"end":62.27,"sentiment":"neutral","sentiment_score":0.08776117861270905},{"text":"Perfect.","start":63.935,"end":64.415,"sentiment":"positive","sentiment_score":0.3695085644721985}],"sentiment":"neutral","sentiment_score":0.122253939331997,"num_words":42,"start":51.21,"end":64.415},{"sentences":[{"text":"And just before I jump into it, are you okay for the call to be recorded?","start":64.415,"end":68.195,"sentiment":"neutral","sentiment_score":0.07724640658125281},{"text":"Awesome.","start":69.775,"end":70.095,"sentiment":"positive","sentiment_score":0.3438122272491455},{"text":"And just for security of your account, do you recall your client password with us?","start":70.095,"end":74.195,"sentiment":"neutral","sentiment_score":0.07097642247875531},{"text":"It is there's a prompt here for second child's middle name.","start":77.71,"end":81.81,"sentiment":"neutral","sentiment_score":0.012228592806919054},{"text":"That's the one.","start":84.35,"end":85.33,"sentiment":"neutral","sentiment_score":0.12592820326487222}],"sentiment":"neutral","sentiment_score":0.0686239174000271,"num_words":46,"start":64.415,"end":85.33},{"sentences":[{"text":"Thank you so much for that, Jason.","start":85.55,"end":86.91,"sentiment":"positive","sentiment_score":0.6849591306277684},{"text":"Appreciate that, mate.","start":86.91,"end":88.05,"sentiment":"positive","sentiment_score":0.5953012704849243},{"text":"Now what I wanted to go through with you, you had some concerns around the volatility in your super and what obviously, what's going on in The US and some risks and things like that.","start":89.825,"end":99.665,"sentiment":"neutral","sentiment_score":-0.06470518500677176},{"text":"So I really wanted to address that with you today, which is why we didn't wanna kind of reschedule today's meeting because, obviously, there's a lot going on, and pretty important to have a chat there.","start":99.665,"end":109.700005,"sentiment":"neutral","sentiment_score":-0.014240168914612796},{"text":"I do wanna go over just a general annual review with you as well, make sure we're covering all bases if that's okay.","start":110.32,"end":116.1,"sentiment":"neutral","sentiment_score":0.20393085738886957}],"sentiment":"neutral","sentiment_score":0.08167019124644306,"num_words":104,"start":85.55,"end":116.1},{"sentences":[{"text":"Perfect.","start":117.965004,"end":118.285,"sentiment":"positive","sentiment_score":0.7413299083709717},{"text":"Perfect.","start":118.285,"end":118.685005,"sentiment":"positive","sentiment_score":0.6440982818603516},{"text":"So before I get into the sort of meat and potatoes of the markets, I'm just gonna have a quick look through the details that we have on file because we've changed systems at the moment to a new CRM.","start":118.685005,"end":129.425,"sentiment":"neutral","sentiment_score":0.1201365572400391},{"text":"Just wanna make sure all this is still accurate.","start":129.645,"end":131.745,"sentiment":"neutral","sentiment_score":0.12966610656844246},{"text":"So I'm looking through the address.","start":134.36,"end":136.68001,"sentiment":"neutral","sentiment_score":0.0318189620350798}],"sentiment":"neutral","sentiment_score":0.13243507387998857,"num_words":57,"start":117.965004,"end":136.68001},{"sentences":[{"text":"Are you still in McAlester Avenue?","start":136.68001,"end":138.38,"sentiment":"neutral","sentiment_score":0.01551657278711597},{"text":"Perfect.","start":140.04001,"end":140.54001,"sentiment":"neutral","sentiment_score":0.25863415002822876},{"text":"And partner's still Jasmine, one child, and she would be like your next of kin and beneficiary.","start":141.24,"end":146.46,"sentiment":"neutral","sentiment_score":0.09749974880148382},{"text":"Yep.","start":148.355,"end":148.675,"sentiment":"neutral","sentiment_score":0.03209793195128441},{"text":"So you've got one dependent, three children in total.","start":148.675,"end":151.495,"sentiment":"neutral","sentiment_score":0.00958870392706659}],"sentiment":"neutral","sentiment_score":0.06257722304914803,"num_words":34,"start":136.68001,"end":151.495},{"sentences":[{"text":"Cool.","start":159.075,"end":159.235,"sentiment":"neutral","sentiment_score":0.09394732117652892},{"text":"So we'll say one's 18, three above.","start":159.235,"end":161.735,"sentiment":"neutral","sentiment_score":0.03343444876372814},{"text":"No way.","start":165.06999,"end":165.79,"sentiment":"neutral","sentiment_score":-0.062420811504125595},{"text":"Okay.","start":165.79,"end":166.29,"sentiment":"neutral","sentiment_score":-0.007959255017340183},{"text":"So would I say four children total all above the age of 18?","start":166.51,"end":170.37,"sentiment":"neutral","sentiment_score":-0.009720132184716372}],"sentiment":"neutral","sentiment_score":0.0028677444206550717,"num_words":24,"start":159.075,"end":170.37},{"sentences":[{"text":"Three total all over 18.","start":173.46999,"end":176.165,"sentiment":"neutral","sentiment_score":0.013015621714293957},{"text":"Amazing.","start":176.385,"end":176.885,"sentiment":"neutral","sentiment_score":0.3270299434661865},{"text":"I'll update that.","start":177.025,"end":177.985,"sentiment":"positive","sentiment_score":0.3527698814868927},{"text":"Thank you.","start":177.985,"end":178.72499,"sentiment":"neutral","sentiment_score":0.2662852555513382},{"text":"Occupation wise, are you still a business business development manager earning about 110,000?","start":180.625,"end":186.08499,"sentiment":"neutral","sentiment_score":-0.011825874734383363}],"sentiment":"neutral","sentiment_score":0.07621882650225113,"num_words":24,"start":173.46999,"end":186.08499},{"sentences":[{"text":"Yep.","start":192.56,"end":193.06,"sentiment":"neutral","sentiment_score":0.010581143200397491},{"text":"K.","start":193.12,"end":193.62,"sentiment":"neutral","sentiment_score":0.0032532396726310253},{"text":"Now with the employer, what's the employer name that's coming through?","start":194.08,"end":198.735,"sentiment":"neutral","sentiment_score":0.005510437852618369},{"text":"Grace.","start":200.575,"end":201.075,"sentiment":"neutral","sentiment_score":0.014200720004737375},{"text":"That's the one.","start":201.935,"end":202.655,"sentiment":"neutral","sentiment_score":0.0634333739678065}],"sentiment":"neutral","sentiment_score":0.016408825950587496,"num_words":17,"start":192.56,"end":202.655},{"sentences":[{"text":"Thank you.","start":202.655,"end":203.395,"sentiment":"neutral","sentiment_score":0.22499146312475204},{"text":"Now when it comes to cash flow, are you putting aside, like, a certain amount of savings each week, fortnight, or month?","start":204.495,"end":210.595,"sentiment":"neutral","sentiment_score":0.05476355192844163},{"text":"Perfect.","start":216.35,"end":216.85,"sentiment":"neutral","sentiment_score":0.21444550156593323},{"text":"And then it obviously go into a few different things.","start":217.39,"end":219.79,"sentiment":"neutral","sentiment_score":0.0702955398708582},{"text":"We do have a car and a credit card listed.","start":219.79,"end":222.69,"sentiment":"neutral","sentiment_score":0.019498913548886776}],"sentiment":"neutral","sentiment_score":0.06149269120974673,"num_words":45,"start":202.655,"end":222.69},{"sentences":[{"text":"Little bit of a car loan left, a little bit owing on the credit card.","start":223.845,"end":226.885,"sentiment":"neutral","sentiment_score":-0.03229924198240042},{"text":"Is that still the case?","start":226.885,"end":228.025,"sentiment":"neutral","sentiment_score":-0.04960645288228989},{"text":"Yep.","start":233.605,"end":234.105,"sentiment":"neutral","sentiment_score":0.003698353422805667},{"text":"Perfect.","start":234.165,"end":234.665,"sentiment":"positive","sentiment_score":0.4871178269386291},{"text":"Do you have any other assets or liabilities?","start":235.14,"end":237.54,"sentiment":"neutral","sentiment_score":0.07243023859336972}],"sentiment":"neutral","sentiment_score":0.011257906498697895,"num_words":30,"start":223.845,"end":237.54},{"sentences":[{"text":"Any, like, new home loans or personal loans, shares, crypto, anything like that?","start":237.54,"end":242.59999,"sentiment":"neutral","sentiment_score":0.030737290588709023},{"text":"Perfect.","start":244.18,"end":244.5,"sentiment":"neutral","sentiment_score":0.18462738394737244},{"text":"And last thing for assets is just do you have an amount put away in savings so far?","start":244.5,"end":248.57999,"sentiment":"neutral","sentiment_score":0.021491579814917512},{"text":"Bit of an emergency buffer.","start":248.57999,"end":250.12,"sentiment":"neutral","sentiment_score":-0.10643752068281173},{"text":"Cool.","start":254.315,"end":254.555,"sentiment":"neutral","sentiment_score":0.21066352725028992}],"sentiment":"neutral","sentiment_score":0.017093066371193056,"num_words":38,"start":237.54,"end":254.555},{"sentences":[{"text":"You wouldn't even have an estimate if it's $5.10, 15,000?","start":254.555,"end":257.695,"sentiment":"neutral","sentiment_score":0.06285257153213024},{"text":"20.","start":259.835,"end":260.335,"sentiment":"neutral","sentiment_score":0.039184167981147766},{"text":"That's perfect.","start":260.395,"end":261.29498,"sentiment":"positive","sentiment_score":0.4116971790790558},{"text":"Just wanna make sure we're taking that into account.","start":261.915,"end":264.09,"sentiment":"neutral","sentiment_score":0.12801937262217203},{"text":"Have you ever gone through bankruptcy or debt agreement before?","start":264.65,"end":267.79,"sentiment":"neutral","sentiment_score":-0.026147559657692908}],"sentiment":"neutral","sentiment_score":0.0744313437025994,"num_words":32,"start":254.555,"end":267.79},{"sentences":[{"text":"Perfect.","start":270.01,"end":270.51,"sentiment":"neutral","sentiment_score":0.12234766036272048},{"text":"We've got your health details.","start":271.29,"end":272.97,"sentiment":"neutral","sentiment_score":0.05573927015066147},{"text":"You're still a nonsmoker on high blood blood pressure medication, and you don't have a will in place or anything like that?","start":272.97,"end":281.69498,"sentiment":"neutral","sentiment_score":0.0004618843086063862},{"text":"Beautiful.","start":283.51498,"end":284.01498,"sentiment":"positive","sentiment_score":0.4132305681705475},{"text":"Alright.","start":284.715,"end":285.115,"sentiment":"positive","sentiment_score":0.3737034499645233}],"sentiment":"neutral","sentiment_score":0.03993798280134797,"num_words":30,"start":270.01,"end":285.115},{"sentences":[{"text":"So that all seems to be accurate.","start":285.115,"end":287.19498,"sentiment":"positive","sentiment_score":0.45669959272657124},{"text":"I'm just gonna put a couple of updates here, and we're good to go.","start":287.19498,"end":292.25497,"sentiment":"positive","sentiment_score":0.5317035381283078},{"text":"Awesome.","start":292.49,"end":292.99,"sentiment":"positive","sentiment_score":0.6495273113250732},{"text":"Just quickly checking the goals as well.","start":293.37,"end":295.13,"sentiment":"positive","sentiment_score":0.43967739173344206},{"text":"So the main thing when it comes to the superannuation is we have you set to try and retire in around ten to fifteen years.","start":295.13,"end":302.19,"sentiment":"neutral","sentiment_score":0.07715356513857842}],"sentiment":"neutral","sentiment_score":0.30179360860751736,"num_words":54,"start":285.115,"end":302.19},{"sentences":[{"text":"So you're still in a very kind of precarious position where you're trying to grow your super enough to have enough to retire on, but you obviously don't wanna risk too much of it that you're losing it very close to retirement.","start":302.33002,"end":314.785,"sentiment":"neutral","sentiment_score":-0.06056581927640807},{"text":"Does that sound about right?","start":314.785,"end":316.245,"sentiment":"neutral","sentiment_score":0.03753614351153374},{"text":"Perfect.","start":318.14502,"end":318.64502,"sentiment":"neutral","sentiment_score":0.29638200998306274},{"text":"Other than that, you're focusing on some travel with the family, might be looking at a a property purchase down the line.","start":319.02502,"end":324.87,"sentiment":"neutral","sentiment_score":0.10165288942781361},{"text":"Is that correct?","start":324.87,"end":325.93,"sentiment":"neutral","sentiment_score":0.08663057287534077}],"sentiment":"neutral","sentiment_score":0.0059801863557467725,"num_words":73,"start":302.33002,"end":325.93},{"sentences":[{"text":"Beautiful.","start":328.22998,"end":328.72998,"sentiment":"positive","sentiment_score":0.3364459276199341},{"text":"Okay.","start":328.78998,"end":329.28998,"sentiment":"neutral","sentiment_score":0.10672978311777116},{"text":"So just diving into the super, you've obviously been have you logged into Hub?","start":329.34998,"end":333.03,"sentiment":"neutral","sentiment_score":0.049266488291323185},{"text":"Have you had a little look at the balance fluctuating, all that kind of thing?","start":333.03,"end":336.915,"sentiment":"neutral","sentiment_score":0.014174495513240496},{"text":"Yep.","start":340.915,"end":341.23502,"sentiment":"neutral","sentiment_score":0.05927287042140961}],"sentiment":"neutral","sentiment_score":0.043899901560507715,"num_words":32,"start":328.22998,"end":341.23502},{"sentences":[{"text":"How regular would you check it?","start":341.23502,"end":344.535,"sentiment":"neutral","sentiment_score":0.030352582844595116},{"text":"At the moment, daily.","start":345.475,"end":346.67502,"sentiment":"neutral","sentiment_score":0.015046174637973309},{"text":"Oh, you're a bit of a that's a bit of a concern, of course, but I don't blame you, with what's going on.","start":346.67502,"end":352.02,"sentiment":"neutral","sentiment_score":-0.11473481502869855},{"text":"Anytime you see a news article, you can practically log in the next day and see what's happened to the super and see a movement up or down.","start":352.02,"end":358.36,"sentiment":"neutral","sentiment_score":-0.0027737481203595443},{"text":"So it's one of those periods.","start":358.58,"end":360.76,"sentiment":"neutral","sentiment_score":-0.052988192066550255}],"sentiment":"neutral","sentiment_score":-0.04167454701208913,"num_words":67,"start":341.23502,"end":360.76},{"sentences":[{"text":"Correct.","start":368.355,"end":368.855,"sentiment":"neutral","sentiment_score":0.06596901267766953},{"text":"Correct.","start":368.915,"end":369.315,"sentiment":"neutral","sentiment_score":0.0690654069185257},{"text":"Now going into risk profile categories, so I just wanna start there for a moment.","start":369.315,"end":374.21503,"sentiment":"neutral","sentiment_score":0.040313297013441725},{"text":"You're in essentially what's called a balanced growth.","start":374.595,"end":377.34,"sentiment":"neutral","sentiment_score":0.06717490497976542},{"text":"So the way I see it when I look at your super is you're kind of like a 3.5 out of five.","start":377.34,"end":382.22,"sentiment":"neutral","sentiment_score":0.07983703166246414}],"sentiment":"neutral","sentiment_score":0.06454357045127991,"num_words":47,"start":368.355,"end":382.22},{"sentences":[{"text":"You're a little bit more than medium in terms of risk.","start":382.22,"end":385.04,"sentiment":"neutral","sentiment_score":-0.007396241480653936},{"text":"Just trying to get that extra little bit of growth, but you're not going into the the growth, high growth, high risk end.","start":385.18,"end":391.725,"sentiment":"neutral","sentiment_score":0.003212040209251901},{"text":"You're just above medium.","start":391.805,"end":393.165,"sentiment":"neutral","sentiment_score":0.031225508078932762},{"text":"Does that make sense?","start":393.165,"end":394.14502,"sentiment":"neutral","sentiment_score":0.08037600293755531},{"text":"Yep.","start":395.965,"end":396.445,"sentiment":"neutral","sentiment_score":0.2152203768491745}],"sentiment":"neutral","sentiment_score":0.015212667196295982,"num_words":43,"start":382.22,"end":396.445},{"sentences":[{"text":"So when you're in that balanced growth, you're aiming for around about, say, 75% in growth assets.","start":396.445,"end":403.185,"sentiment":"neutral","sentiment_score":0.240304378025672},{"text":"Shares, property, and gold, a quarter of your super should be in something pretty safe that can get you a nice safe return.","start":403.405,"end":410.1,"sentiment":"positive","sentiment_score":0.3504737771075705},{"text":"That's kind of the balancing act.","start":410.4,"end":412.0,"sentiment":"neutral","sentiment_score":0.23165762921174368},{"text":"Does that make sense?","start":412.0,"end":412.97998,"sentiment":"neutral","sentiment_score":0.13528764992952347},{"text":"Cool.","start":414.56,"end":415.04,"sentiment":"neutral","sentiment_score":0.2853189706802368}],"sentiment":"neutral","sentiment_score":0.281617385207438,"num_words":51,"start":396.445,"end":415.04},{"sentences":[{"text":"Two things that I can see straight away.","start":415.04,"end":416.97998,"sentiment":"neutral","sentiment_score":0.05409004492685199},{"text":"10% of a drop since October, that's a little bit on the high end for a balanced growth.","start":417.61502,"end":422.67502,"sentiment":"neutral","sentiment_score":-0.03728988725278112},{"text":"I would have expected it to be around about 7%.","start":422.73502,"end":425.475,"sentiment":"neutral","sentiment_score":0.02781354933977127},{"text":"So that's kind of giving me flag number one.","start":427.05502,"end":429.39,"sentiment":"neutral","sentiment_score":0.0815351733730899},{"text":"Flag number two, can you ever see the investment options that you have?","start":429.55002,"end":433.07,"sentiment":"neutral","sentiment_score":0.05656729094111002}],"sentiment":"neutral","sentiment_score":0.026014296980253582,"num_words":58,"start":415.04,"end":433.07},{"sentences":[{"text":"Have you ever looked at the seven or eight options that we've got you in?","start":433.07,"end":436.13,"sentiment":"neutral","sentiment_score":0.03679439847668012},{"text":"Yep.","start":442.19,"end":442.69,"sentiment":"neutral","sentiment_score":0.09145822376012802},{"text":"The one I'm pointing at here, I'm hoping you've seen it, is Ben Long Australian Equities.","start":443.95502,"end":448.835,"sentiment":"neutral","sentiment_score":0.0718149309977889},{"text":"Have you seen that?","start":448.835,"end":449.89502,"sentiment":"neutral","sentiment_score":0.046079219318926334},{"text":"Yep.","start":454.035,"end":454.535,"sentiment":"neutral","sentiment_score":0.10221049189567566}],"sentiment":"neutral","sentiment_score":0.056187580163414415,"num_words":37,"start":433.07,"end":454.535},{"sentences":[{"text":"Cool.","start":455.25,"end":455.72998,"sentiment":"positive","sentiment_score":0.45860058069229126},{"text":"So what I can basically see here is that most of the options have done pretty well.","start":455.72998,"end":459.83,"sentiment":"positive","sentiment_score":0.48971547274028554},{"text":"Gold and American shares are up.","start":460.05,"end":462.22998,"sentiment":"neutral","sentiment_score":0.24515563373764357},{"text":"Your safe assets are still doing their thing.","start":462.28998,"end":464.44998,"sentiment":"neutral","sentiment_score":0.23730722442269325},{"text":"They're kind of doing that one to 4% returns, which is what you want to kind of offset all those growth assets that you have.","start":464.44998,"end":471.885,"sentiment":"neutral","sentiment_score":0.15684288650751113}],"sentiment":"neutral","sentiment_score":0.2820039890837251,"num_words":57,"start":455.25,"end":471.885},{"sentences":[{"text":"K?","start":472.185,"end":472.345,"sentiment":"neutral","sentiment_score":0.011759026907384396},{"text":"So that's point number one.","start":472.345,"end":473.965,"sentiment":"neutral","sentiment_score":0.009336210787296295},{"text":"What I can see in that Benelon option is your Australian shares have kind of dropped a little bit faster than what the Australian market has done.","start":474.185,"end":483.03,"sentiment":"neutral","sentiment_score":-0.3162915916354568},{"text":"So there's around about 21% of your super in Australian shares, and it's going down a little bit quicker than the Aussie market is, if that makes sense.","start":483.75,"end":494.65,"sentiment":"neutral","sentiment_score":-0.23731295844273909},{"text":"Yep.","start":499.52502,"end":500.02502,"sentiment":"neutral","sentiment_score":0.19940185546875}],"sentiment":"neutral","sentiment_score":-0.24075473990711954,"num_words":62,"start":472.185,"end":500.02502},{"sentences":[{"text":"Absolutely.","start":500.08502,"end":500.58502,"sentiment":"neutral","sentiment_score":0.20676890015602112},{"text":"To be perfectly honest, this Bennelong Fund was top five Australian shares manager three, four years ago across the whole country.","start":502.005,"end":510.71,"sentiment":"neutral","sentiment_score":0.1183634992866289},{"text":"They won all the awards, did all the fancy stuff, and then they've seemingly in the last twelve to eighteen months split off from the pack completely, and they've just been dropping, dropping faster than everybody else, which is a concern of mine.","start":511.09,"end":524.465,"sentiment":"neutral","sentiment_score":-0.16135768904242404},{"text":"So I think that's what's causing the extra little bit of risk than what we would expect.","start":524.465,"end":529.925,"sentiment":"negative","sentiment_score":-0.35594917483189525},{"text":"So that 7% combined up to the 10% is pretty much all down to that one option.","start":530.065,"end":535.28503,"sentiment":"neutral","sentiment_score":-0.21289707457318024}],"sentiment":"neutral","sentiment_score":-0.14056933821752818,"num_words":99,"start":500.08502,"end":535.28503},{"sentences":[{"text":"So we have to fix it.","start":537.28,"end":539.04,"sentiment":"neutral","sentiment_score":-0.14864679674307504},{"text":"We have to update things.","start":539.04,"end":540.42,"sentiment":"neutral","sentiment_score":-0.09390392675995826},{"text":"We've already talked to the investment committee around some replacement options for this year for clients, and we've come up with a few.","start":541.52,"end":548.5,"sentiment":"neutral","sentiment_score":0.0008376593013172564},{"text":"Can I just ask you one quick question?","start":548.705,"end":550.225,"sentiment":"neutral","sentiment_score":0.023315725848078728},{"text":"Because, obviously, Veronica, your adviser, and I, we're gonna make some recommendations.","start":550.225,"end":554.085,"sentiment":"neutral","sentiment_score":0.02634178614243865}],"sentiment":"neutral","sentiment_score":-0.015546426108037983,"num_words":54,"start":537.28,"end":554.085},{"sentences":[{"text":"But I do wanna get just a little bit of a style question to you, if that's okay.","start":555.025,"end":559.765,"sentiment":"neutral","sentiment_score":0.04071554448455572},{"text":"So you've got two main styles.","start":561.68,"end":563.44,"sentiment":"neutral","sentiment_score":0.03318855601052443},{"text":"You've got active and passive.","start":563.44,"end":564.9,"sentiment":"neutral","sentiment_score":0.047933167219161986},{"text":"Passive is more low fee index funds that follows the market very closely, very low investment fees, but you get the return of the market.","start":565.36,"end":573.3,"sentiment":"neutral","sentiment_score":0.09227059915661812},{"text":"The active side, you pay a little bit higher fees.","start":573.805,"end":576.365,"sentiment":"neutral","sentiment_score":0.07372624948620796}],"sentiment":"neutral","sentiment_score":0.06587038197903894,"num_words":64,"start":555.025,"end":576.365},{"sentences":[{"text":"They try and pick and choose stocks, try and get a better return than the market.","start":576.365,"end":580.865,"sentiment":"neutral","sentiment_score":0.11048349365592003},{"text":"Which way does your sort of gut feeling pull you towards?","start":581.085,"end":583.825,"sentiment":"neutral","sentiment_score":0.05194344202225858},{"text":"Yep.","start":587.23,"end":587.73,"sentiment":"neutral","sentiment_score":0.14776238799095154},{"text":"Easy done.","start":587.87,"end":588.77,"sentiment":"positive","sentiment_score":0.35498370230197906},{"text":"I do have some good active and passive replacements for this one option.","start":589.31,"end":593.33,"sentiment":"neutral","sentiment_score":0.2666417480661319}],"sentiment":"neutral","sentiment_score":0.15495782042312067,"num_words":43,"start":576.365,"end":593.33},{"sentences":[{"text":"So I'm more than happy to go low fees, replace that one, get it a bit more in line with the Aussie market, And then I'm gonna do a bit of a deep dive with the team to see if there's any other risks that we're not seeing that may cause some big drops in your fund this year.","start":593.95,"end":611.15497,"sentiment":"neutral","sentiment_score":0.3015811927616596},{"text":"Because what I wanna do is I wanna make sure that the risk level that you're in is what you would expect.","start":613.15,"end":618.69,"sentiment":"neutral","sentiment_score":0.10128735429184003},{"text":"So in a balanced growth, in a single year, it could go up ten, fifteen, 18%, or it could drop, say, seven to 15 if we had a big crash like a GFC, COVID, that kind of thing.","start":618.83,"end":632.455,"sentiment":"neutral","sentiment_score":-0.06646956083491923},{"text":"So to see that 10 very quickly, that's yeah.","start":633.79504,"end":637.55505,"sentiment":"neutral","sentiment_score":0.2569974925782945},{"text":"That's a bit high.","start":637.55505,"end":638.43506,"sentiment":"positive","sentiment_score":0.3982745260000229}],"sentiment":"neutral","sentiment_score":0.1621351847942137,"num_words":132,"start":593.95,"end":638.43506},{"sentences":[{"text":"That's a bit high.","start":638.43506,"end":639.42,"sentiment":"neutral","sentiment_score":0.28393761068582535},{"text":"Yep.","start":641.98,"end":642.48,"sentiment":"neutral","sentiment_score":0.10999952256679536},{"text":"Yeah.","start":650.62,"end":651.12,"sentiment":"neutral","sentiment_score":0.05016252398490906},{"text":"Yeah.","start":659.195,"end":659.435,"sentiment":"neutral","sentiment_score":0.08300524950027466},{"text":"Correct.","start":659.435,"end":659.935,"sentiment":"neutral","sentiment_score":0.1634209156036377}],"sentiment":"neutral","sentiment_score":0.19279233179986477,"num_words":8,"start":638.43506,"end":659.935},{"sentences":[{"text":"One of the cool things at least is as the contributions are going in, we're gonna be buying into the market as it drops.","start":662.635,"end":668.83,"sentiment":"positive","sentiment_score":0.3358891016493241},{"text":"So when it goes up, you're gonna get a nice high return on the way up again.","start":668.83,"end":672.37,"sentiment":"positive","sentiment_score":0.4841677336131825},{"text":"Because when I said at the start of the call, you're retiring in ten to fifteen years, you've kind of got, I guess, two market cycles ahead of you.","start":672.43,"end":680.805,"sentiment":"neutral","sentiment_score":0.05141272228853456},{"text":"So what I mean by that is stock market grows for five, six years, then it crashes, grows, and then it crashes.","start":681.045,"end":686.90497,"sentiment":"neutral","sentiment_score":-0.02064136229455471},{"text":"So this next seven years for you is to get as much growth out of it as possible to get enough there for retirement, and then it's a matter of protecting it.","start":687.285,"end":696.31,"sentiment":"neutral","sentiment_score":0.08802544127684087}],"sentiment":"neutral","sentiment_score":0.16246663715930715,"num_words":124,"start":662.635,"end":696.31},{"sentences":[{"text":"So in that last seven years, we go from balanced growth, 75%.","start":696.31,"end":700.25,"sentiment":"neutral","sentiment_score":0.1341879554092884},{"text":"We then go to drop you down to sixty, fifty, 40% over those last seven years so that when you do hit sixty, sixty five, 67, you don't lose half of it because the stock market crashed.","start":700.31,"end":712.675,"sentiment":"neutral","sentiment_score":0.07741962373256683},{"text":"You can actually retire on it, put it into a pension account, and safely kind of draw down an income.","start":712.675,"end":718.675,"sentiment":"positive","sentiment_score":0.3459924802184105},{"text":"Does that make sense?","start":718.675,"end":719.735,"sentiment":"neutral","sentiment_score":0.2377496212720871},{"text":"K.","start":722.05,"end":722.29004,"sentiment":"neutral","sentiment_score":0.08015451580286026}],"sentiment":"neutral","sentiment_score":0.16791600200372772,"num_words":74,"start":696.31,"end":722.29004},{"sentences":[{"text":"Now just what I was saying before around that balanced growth risk profile, to me, it still seems appropriate for you because, again, the balancing between the time frame and the risk and the returns.","start":722.29004,"end":734.23004,"sentiment":"neutral","sentiment_score":0.08639886443104063},{"text":"Are you comfortable with that profile itself as I've explained it?","start":734.79504,"end":738.97504,"sentiment":"neutral","sentiment_score":0.05696505443616347},{"text":"Yep.","start":740.715,"end":741.215,"sentiment":"neutral","sentiment_score":0.22374044358730316},{"text":"So let's just make sure we optimize the options, get rid of the bad apple, and make sure there's nothing crazy under the hood that we're not taking to account.","start":741.275,"end":749.695,"sentiment":"neutral","sentiment_score":0.1494264534364144},{"text":"Happy with that?","start":749.94995,"end":750.76996,"sentiment":"positive","sentiment_score":0.40303483605384827}],"sentiment":"neutral","sentiment_score":0.11957768010906875,"num_words":80,"start":722.29004,"end":750.76996},{"sentences":[{"text":"Perfect.","start":752.99,"end":753.49,"sentiment":"positive","sentiment_score":0.6019024848937988},{"text":"So what I'm gonna do, I'm gonna do an updated advice document for you over the next couple of weeks.","start":753.70996,"end":758.29,"sentiment":"neutral","sentiment_score":0.27329902723431587},{"text":"I'm gonna put together some research, look at updating some of the options there, then we're gonna walk through it together.","start":758.35,"end":764.245,"sentiment":"neutral","sentiment_score":0.2135668226650783},{"text":"I'm gonna run it through with Veronica just so she can see what we're doing.","start":764.245,"end":767.78503,"sentiment":"neutral","sentiment_score":0.24939915041128793},{"text":"And that way, we're very risk conscious, and then just get you back on track for those long term returns.","start":768.16504,"end":773.765,"sentiment":"neutral","sentiment_score":0.3136647067964077}],"sentiment":"neutral","sentiment_score":0.26710477529408094,"num_words":77,"start":752.99,"end":773.765},{"sentences":[{"text":"Again, we're still aiming for that kind of eight to 12% average, but, again, let's just address the risk at the moment.","start":773.765,"end":781.5,"sentiment":"neutral","sentiment_score":0.0880612333051183},{"text":"Now when it comes to contributions, I'm gonna base this off what your employer is putting in.","start":783.56,"end":789.5,"sentiment":"neutral","sentiment_score":0.06456006121109514},{"text":"Did you want me to consider anything in terms of salary sacrifice or anything like that, or have you got enough priorities for your cash flow at this point?","start":789.745,"end":797.84503,"sentiment":"neutral","sentiment_score":0.0035938928224917115},{"text":"Yeah.","start":801.83997,"end":802.33997,"sentiment":"neutral","sentiment_score":0.03547605127096176},{"text":"No.","start":802.48,"end":802.8,"sentiment":"neutral","sentiment_score":-0.0032453276216983795}],"sentiment":"neutral","sentiment_score":0.04530459698289633,"num_words":70,"start":773.765,"end":802.8},{"sentences":[{"text":"That's totally fine.","start":802.8,"end":803.75995,"sentiment":"neutral","sentiment_score":0.11356064677238464},{"text":"So I'll just try and base it on getting you to that retirement goal based on what your work's putting in and the growth of the funds.","start":803.75995,"end":809.69995,"sentiment":"neutral","sentiment_score":0.25432231028874713},{"text":"Cool.","start":811.83997,"end":812.16,"sentiment":"neutral","sentiment_score":0.32154417037963867},{"text":"Cool.","start":812.16,"end":812.66,"sentiment":"neutral","sentiment_score":0.19187664985656736},{"text":"That's the next thing I was gonna talk to you about.","start":825.295,"end":827.795,"sentiment":"neutral","sentiment_score":0.06757911565628918}],"sentiment":"neutral","sentiment_score":0.19684128861787709,"num_words":43,"start":802.8,"end":827.795},{"sentences":[{"text":"We've got a certificate of currency here, and I'm just having a look at it now.","start":827.98,"end":832.3,"sentiment":"neutral","sentiment_score":0.09524201019667089},{"text":"I'm actually gonna email it through to you.","start":832.3,"end":834.48,"sentiment":"neutral","sentiment_score":0.08130143955349922},{"text":"We've got next bill date is the July 20.","start":834.7,"end":840.16003,"sentiment":"neutral","sentiment_score":0.03805957610408465},{"text":"So you're already paid up for the year.","start":840.395,"end":842.155,"sentiment":"neutral","sentiment_score":0.045190608128905296},{"text":"The next one's not for a few months' time.","start":842.155,"end":844.875,"sentiment":"neutral","sentiment_score":-0.050486971934636436}],"sentiment":"neutral","sentiment_score":0.04847923964262009,"num_words":50,"start":827.98,"end":844.875},{"sentences":[{"text":"Because it is more than a few months away, you're gonna get a policy anniversary around end of financial year, letting you know what they've altered the policy to look like.","start":844.875,"end":855.2,"sentiment":"neutral","sentiment_score":0.011856520263057562},{"text":"Because you know how every year, prices increase, they change your cover amount a little bit.","start":855.2,"end":859.46,"sentiment":"neutral","sentiment_score":-0.06544152193237096},{"text":"At the moment, let me just check what you've got.","start":861.28,"end":863.28,"sentiment":"neutral","sentiment_score":-0.02580136675387621},{"text":"You've got TPD insurance.","start":863.28,"end":864.82,"sentiment":"neutral","sentiment_score":-0.06689199805259705},{"text":"That's total disability for 741,489.","start":865.515,"end":871.135,"sentiment":"neutral","sentiment_score":-0.10474560558795928}],"sentiment":"neutral","sentiment_score":-0.026194271370486327,"num_words":66,"start":844.875,"end":871.135},{"sentences":[{"text":"So that's your lump sum.","start":871.755,"end":872.875,"sentiment":"neutral","sentiment_score":-0.052784154564142226},{"text":"If you can never work again, that's pretty much what you get.","start":872.875,"end":876.655,"sentiment":"neutral","sentiment_score":-0.030261052151521046},{"text":"That's still a solid 3,600, and it wouldn't surprise me if that was over $4 next anniversary.","start":876.715,"end":883.56,"sentiment":"neutral","sentiment_score":0.18565710875041344},{"text":"So I need to be conscious of fees as well because if that skyrockets while the market's going down, you're gonna get a bit of a double whammy on the way down.","start":884.1,"end":891.975,"sentiment":"neutral","sentiment_score":-0.27698695578146726},{"text":"Yeah.","start":907.97,"end":908.29,"sentiment":"neutral","sentiment_score":0.00006163492798805237}],"sentiment":"neutral","sentiment_score":-0.09454333582031194,"num_words":67,"start":871.755,"end":908.29},{"sentences":[{"text":"Absolutely.","start":908.29,"end":908.79,"sentiment":"neutral","sentiment_score":0.08066928386688232},{"text":"So what I'll do, because we don't have those figures until thirty to sixty days out, I'm gonna put in an update discussion for Veronica to have a chat with you or myself around about May, early June.","start":911.08997,"end":924.635,"sentiment":"neutral","sentiment_score":0.0029475240245167363},{"text":"And as soon as we have those figures, we'll talk you through the price increase and whether we need to alter that, shop around, trim it down, whatever it needs to be.","start":924.635,"end":932.67,"sentiment":"neutral","sentiment_score":-0.015935653529595584},{"text":"So at the moment, you're okay for me to just leave that alone for a couple of months?","start":934.11,"end":937.64996,"sentiment":"neutral","sentiment_score":-0.006473692237502999},{"text":"Yep.","start":939.95,"end":940.45,"sentiment":"neutral","sentiment_score":-0.03698790818452835}],"sentiment":"neutral","sentiment_score":-0.005230889828979141,"num_words":90,"start":908.29,"end":940.45},{"sentences":[{"text":"Yep.","start":943.14996,"end":943.55,"sentiment":"neutral","sentiment_score":0.04349445924162865},{"text":"Twentieth of July.","start":943.55,"end":945.01,"sentiment":"neutral","sentiment_score":0.029661962141593296},{"text":"So that'll come through to you in the annual review pack as well.","start":945.455,"end":948.995,"sentiment":"neutral","sentiment_score":0.1478401399575747},{"text":"I don't see any life insurance income protection trauma cover.","start":949.535,"end":953.535,"sentiment":"negative","sentiment_score":-0.445810566842556},{"text":"It looks like just TPD at this point.","start":953.535,"end":955.955,"sentiment":"neutral","sentiment_score":-0.3201843947172165}],"sentiment":"neutral","sentiment_score":-0.14186224745852608,"num_words":35,"start":943.14996,"end":955.955},{"sentences":[{"text":"Yeah.","start":958.51,"end":959.01,"sentiment":"neutral","sentiment_score":-0.07370078563690186},{"text":"Yeah.","start":959.15,"end":959.39,"sentiment":"neutral","sentiment_score":-0.02570302039384842},{"text":"That's it.","start":959.39,"end":959.95,"sentiment":"neutral","sentiment_score":-0.0314908754080534},{"text":"741,000 of just lump sum TPD, so there's no life insurance or anything.","start":959.95,"end":965.01,"sentiment":"neutral","sentiment_score":-0.09463980149191159},{"text":"When we have that updated chat around the insurances, do you want us to look at some quotes for, like, life insurance or something or leave that alone for a while?","start":966.35004,"end":973.525,"sentiment":"neutral","sentiment_score":-0.022010551375006477}],"sentiment":"neutral","sentiment_score":-0.04322979310139393,"num_words":48,"start":958.51,"end":973.525},{"sentences":[{"text":"Okay.","start":976.305,"end":976.705,"sentiment":"neutral","sentiment_score":0.02672937884926796},{"text":"Do you want me to look at that now, or are you happy to wait until June?","start":976.705,"end":980.005,"sentiment":"neutral","sentiment_score":0.02485154174706515},{"text":"Sooner rather than later.","start":986.16003,"end":987.28,"sentiment":"neutral","sentiment_score":-0.13363417983055115},{"text":"Okay.","start":987.28,"end":987.78,"sentiment":"neutral","sentiment_score":-0.023952314630150795},{"text":"So do you want me to at least get a sorry.","start":987.92004,"end":991.78,"sentiment":"neutral","sentiment_score":-0.0588489638810808}],"sentiment":"neutral","sentiment_score":-0.022253589649849078,"num_words":34,"start":976.305,"end":991.78},{"sentences":[{"text":"Yeah.","start":999.45496,"end":999.695,"sentiment":"neutral","sentiment_score":-0.0007958710193634033},{"text":"The other thing too, your birthday is June 27, isn't it?","start":999.695,"end":1003.235,"sentiment":"neutral","sentiment_score":-0.0015289976515553215},{"text":"K.","start":1004.495,"end":1004.89496,"sentiment":"neutral","sentiment_score":0.001947217620909214},{"text":"So if you don't get anything in place before then, the next birthday, you get that increased price, and that's set for a year.","start":1004.89496,"end":1013.37006,"sentiment":"neutral","sentiment_score":0.016000128428762157},{"text":"So if we get it done before then, at least you've got that price locked in a little bit earlier.","start":1013.37006,"end":1017.63,"sentiment":"neutral","sentiment_score":-0.0035780406557023524}],"sentiment":"neutral","sentiment_score":0.005206572659836526,"num_words":57,"start":999.45496,"end":1017.63},{"sentences":[{"text":"Let me just have a quick look here.","start":1019.53,"end":1021.13,"sentiment":"neutral","sentiment_score":0.05673074582591653},{"text":"So normally, you can get them both linked together, and it's pretty cheap to have them both combined with a life and TPD insurance is shared.","start":1021.13,"end":1034.925,"sentiment":"neutral","sentiment_score":0.09332989672055611},{"text":"And then you've got something called like a buyback.","start":1034.985,"end":1037.3251,"sentiment":"neutral","sentiment_score":-0.019743200598491564},{"text":"So if you claim on your disability, it depletes your life insurance, but then for, like, $20 a month, you can fill it back up again.","start":1037.52,"end":1044.9,"sentiment":"neutral","sentiment_score":-0.08050689072563098},{"text":"So do you want me to just look at a bit of a quote for, like, an equal amount of life insurance to the TPD?","start":1046.72,"end":1052.1,"sentiment":"neutral","sentiment_score":0.09923449665307998}],"sentiment":"neutral","sentiment_score":0.03287678439804214,"num_words":94,"start":1019.53,"end":1052.1},{"sentences":[{"text":"K.","start":1054.395,"end":1054.895,"sentiment":"neutral","sentiment_score":0.04745100066065788},{"text":"So I'll do that with Tau.","start":1055.4349,"end":1057.375,"sentiment":"neutral","sentiment_score":0.08641333008805911},{"text":"I will just do my normal check where we just attack the software and see if there's any other providers out there that are more appropriate or offering a better deal.","start":1057.835,"end":1066.975,"sentiment":"neutral","sentiment_score":0.043751637661649335},{"text":"If we're gonna do that, can I just check with you as well health wise?","start":1068.49,"end":1074.35,"sentiment":"neutral","sentiment_score":0.05910853073000908},{"text":"The the high blood pressure, is that still been pretty well maintained with the medication?","start":1074.65,"end":1078.43,"sentiment":"neutral","sentiment_score":0.13590089355905852}],"sentiment":"neutral","sentiment_score":0.07128489872111994,"num_words":68,"start":1054.395,"end":1078.43},{"sentences":[{"text":"Cool.","start":1081.145,"end":1081.385,"sentiment":"positive","sentiment_score":0.42371535301208496},{"text":"So normal ratings and everything like that?","start":1081.385,"end":1083.5651,"sentiment":"neutral","sentiment_score":0.2993897348642349},{"text":"Perfect.","start":1085.0651,"end":1085.5651,"sentiment":"positive","sentiment_score":0.597169041633606},{"text":"Has anything else happened to you in the last three, six, nine months?","start":1086.265,"end":1090.265,"sentiment":"neutral","sentiment_score":0.13399411737918854},{"text":"Any new diagnosis or injuries or illnesses?","start":1090.265,"end":1093.005,"sentiment":"neutral","sentiment_score":0.005653013076101031}],"sentiment":"neutral","sentiment_score":0.1689002467640515,"num_words":29,"start":1081.145,"end":1093.005},{"sentences":[{"text":"Perfect.","start":1095.05,"end":1095.55,"sentiment":"positive","sentiment_score":0.49330127239227295},{"text":"Perfect.","start":1099.53,"end":1100.03,"sentiment":"positive","sentiment_score":0.5648046731948853},{"text":"One thing we can do if you're comfortable is we can do a pre assessment where we'll go through those medical questions anonymously, and then we can shoot that out to the insurers and see if anything will be an issue.","start":1101.2101,"end":1112.425,"sentiment":"neutral","sentiment_score":0.1928852981910473},{"text":"That can save us a bit of an issue than just submitting an application if you wanna do that.","start":1113.605,"end":1118.505,"sentiment":"neutral","sentiment_score":0.17609890393520655},{"text":"Cool.","start":1121.7,"end":1122.2,"sentiment":"neutral","sentiment_score":0.28303438425064087}],"sentiment":"neutral","sentiment_score":0.19992566238793116,"num_words":63,"start":1095.05,"end":1122.2},{"sentences":[{"text":"Can I just get from you updated height and weight as well?","start":1123.54,"end":1127.54,"sentiment":"neutral","sentiment_score":0.135093721250693},{"text":"I just wanna double check BMI your a hundred and eighty two centimeters.","start":1127.54,"end":1131.3201,"sentiment":"neutral","sentiment_score":0.03054042704976522},{"text":"Yeah.","start":1134.915,"end":1135.155,"sentiment":"neutral","sentiment_score":-0.0124391196295619},{"text":"No.","start":1135.155,"end":1135.395,"sentiment":"neutral","sentiment_score":-0.06165165454149246},{"text":"That's fair.","start":1135.395,"end":1135.795,"sentiment":"neutral","sentiment_score":-0.031839470379054546}],"sentiment":"neutral","sentiment_score":0.06484070661124484,"num_words":29,"start":1123.54,"end":1135.795},{"sentences":[{"text":"We all do.","start":1135.795,"end":1136.6951,"sentiment":"neutral","sentiment_score":-0.004110253726442655},{"text":"And what about weight in kilos or pounds, whatever you're used to?","start":1137.795,"end":1141.655,"sentiment":"neutral","sentiment_score":-0.02184440040340026},{"text":"$1.20.","start":1144.1951,"end":1144.915,"sentiment":"neutral","sentiment_score":-0.004094538278877735},{"text":"Thank you for that.","start":1144.915,"end":1146.055,"sentiment":"positive","sentiment_score":0.3615024909377098},{"text":"Okay.","start":1150.57,"end":1151.07,"sentiment":"neutral","sentiment_score":0.02798980474472046}],"sentiment":"neutral","sentiment_score":0.05692579353316909,"num_words":21,"start":1135.795,"end":1151.07},{"sentences":[{"text":"Let me just have a little look at the calculator because I know TAL's got discounts for a certain range, and some providers are better than others.","start":1151.13,"end":1159.85,"sentiment":"neutral","sentiment_score":0.003452556587203785},{"text":"TAL has a very lenient range.","start":1159.85,"end":1162.605,"sentiment":"neutral","sentiment_score":-0.003703061491250992},{"text":"So even people like 40, 42, they they still offer cover.","start":1162.825,"end":1167.245,"sentiment":"neutral","sentiment_score":0.011167512867938389},{"text":"I just wanna avoid some, like, loadings because they can increase your price by 50 to a 100%, and the last thing you need is $10 coming out.","start":1167.465,"end":1174.86,"sentiment":"neutral","sentiment_score":-0.0016009655248905932},{"text":"Alright.","start":1177.5,"end":1178.0,"sentiment":"neutral","sentiment_score":0.06038862466812134}],"sentiment":"neutral","sentiment_score":0.002868560142815113,"num_words":73,"start":1151.13,"end":1178.0},{"sentences":[{"text":"Plug this in.","start":1178.14,"end":1179.12,"sentiment":"neutral","sentiment_score":0.04027402028441429},{"text":"Alright.","start":1179.66,"end":1180.14,"sentiment":"neutral","sentiment_score":0.03509291261434555},{"text":"36.6.","start":1180.14,"end":1181.1799,"sentiment":"neutral","sentiment_score":0.008510584942996502},{"text":"So we're a little bit on the borderline side, but TEL is still usually the best for that.","start":1181.1799,"end":1186.48,"sentiment":"neutral","sentiment_score":-0.008139710769885115},{"text":"Maybe a bit of a loading.","start":1186.86,"end":1187.98,"sentiment":"neutral","sentiment_score":-0.05713348897794882}],"sentiment":"neutral","sentiment_score":-0.011203109286725521,"num_words":29,"start":1178.14,"end":1187.98},{"sentences":[{"text":"So what I'll do is I'll get a bit of a quote drawn up while I go through this portfolio update with you.","start":1187.98,"end":1194.175,"sentiment":"neutral","sentiment_score":0.15703376058651053},{"text":"Do you have, like, twenty minutes or so that I can book you in to go through those medical questions with the team?","start":1195.5951,"end":1201.41,"sentiment":"neutral","sentiment_score":0.09235215721570927},{"text":"Absolutely not today.","start":1205.3301,"end":1206.37,"sentiment":"negative","sentiment_score":-0.4657446543375651},{"text":"More just any day that sort of suits you.","start":1206.37,"end":1208.53,"sentiment":"neutral","sentiment_score":-0.2190447449684143},{"text":"We do have some late nights available and things like that.","start":1208.53,"end":1211.67,"sentiment":"neutral","sentiment_score":0.013680506158958782}],"sentiment":"neutral","sentiment_score":0.03648876825320548,"num_words":69,"start":1187.98,"end":1211.67},{"sentences":[{"text":"Tomorrow afternoon could do.","start":1219.3451,"end":1221.4451,"sentiment":"neutral","sentiment_score":0.06945910677313805},{"text":"Are you guys still on daylight savings for, like, a week?","start":1222.0651,"end":1225.045,"sentiment":"neutral","sentiment_score":0.028583788736300034},{"text":"Oh, no.","start":1227.44,"end":1228.2599,"sentiment":"neutral","sentiment_score":-0.01877396833151579},{"text":"Alright.","start":1229.5199,"end":1230.0199,"sentiment":"neutral","sentiment_score":0.1555275917053223},{"text":"Perfect.","start":1231.36,"end":1231.6799,"sentiment":"positive","sentiment_score":0.5919235944747925}],"sentiment":"neutral","sentiment_score":0.0685348080373124,"num_words":19,"start":1219.3451,"end":1231.6799},{"sentences":[{"text":"So I'll I'll take into account that hour difference when I book in.","start":1231.6799,"end":1234.72,"sentiment":"neutral","sentiment_score":0.2292702988936351},{"text":"What's a good time tomorrow afternoon for you?","start":1234.72,"end":1237.455,"sentiment":"neutral","sentiment_score":0.22727219760417938},{"text":"Yep.","start":1242.015,"end":1242.515,"sentiment":"neutral","sentiment_score":0.08738231658935547},{"text":"02:30.","start":1242.8949,"end":1243.715,"sentiment":"neutral","sentiment_score":0.05372891202569008},{"text":"Yeah.","start":1246.815,"end":1247.0549,"sentiment":"neutral","sentiment_score":0.0669986754655838}],"sentiment":"neutral","sentiment_score":0.20861672377213836,"num_words":24,"start":1231.6799,"end":1247.0549},{"sentences":[{"text":"Yeah.","start":1247.0549,"end":1247.375,"sentiment":"neutral","sentiment_score":0.12266890704631804},{"text":"It's just running through those those health questions.","start":1247.375,"end":1249.855,"sentiment":"neutral","sentiment_score":0.15670523419976234},{"text":"We've already got most of the info, and I'll tell the team to keep it nice and short and sweet for you.","start":1249.855,"end":1255.97,"sentiment":"neutral","sentiment_score":0.3062425743449818},{"text":"So 02:30 your time.","start":1257.3099,"end":1258.75,"sentiment":"neutral","sentiment_score":0.09863268956542015},{"text":"That's 01:30 Queensland time.","start":1258.75,"end":1260.77,"sentiment":"neutral","sentiment_score":0.07061266526579857}],"sentiment":"neutral","sentiment_score":0.2254007393733049,"num_words":39,"start":1247.0549,"end":1260.77},{"sentences":[{"text":"What I'll do is I'll get the team to send you a bit of a heads up text.","start":1260.83,"end":1263.885,"sentiment":"neutral","sentiment_score":0.12455974436468548},{"text":"We should have someone available then.","start":1264.685,"end":1266.365,"sentiment":"neutral","sentiment_score":0.09641205705702305},{"text":"If not, we'll let you know straight away.","start":1266.365,"end":1268.145,"sentiment":"neutral","sentiment_score":-0.029208343010395765},{"text":"Perfect.","start":1270.605,"end":1271.105,"sentiment":"positive","sentiment_score":0.4352984130382538},{"text":"Alright.","start":1272.205,"end":1272.705,"sentiment":"neutral","sentiment_score":0.240585595369339}],"sentiment":"neutral","sentiment_score":0.09596367662443835,"num_words":34,"start":1260.83,"end":1272.705},{"sentences":[{"text":"Now beyond that, mate, we've gone through a few things today.","start":1273.085,"end":1276.865,"sentiment":"neutral","sentiment_score":0.17509417235851288},{"text":"I'll give you the usual reminders for sorting out the will and the power of attorney when I give you that updated advice document.","start":1277.0,"end":1283.8201,"sentiment":"neutral","sentiment_score":0.1534975115209818},{"text":"I mean, if you're comfortable with it, you don't have to go to a solicitor.","start":1284.8401,"end":1287.8201,"sentiment":"neutral","sentiment_score":0.16318441331386566},{"text":"You can talk to the public trustee of New South Wales, you know, the court the courtrooms, do wills as well.","start":1288.04,"end":1295.405,"sentiment":"neutral","sentiment_score":0.15836800741297857},{"text":"Post office, there's $25 will kits if you're that way inclined.","start":1295.405,"end":1298.785,"sentiment":"neutral","sentiment_score":0.20835584943944757}],"sentiment":"neutral","sentiment_score":0.16677298623977638,"num_words":82,"start":1273.085,"end":1298.785},{"sentences":[{"text":"And if there's any info you want on estate planning, more than happy to talk you through it as well.","start":1299.485,"end":1304.4,"sentiment":"neutral","sentiment_score":0.3235409513115883},{"text":"Cool.","start":1306.72,"end":1306.9601,"sentiment":"positive","sentiment_score":0.35984259843826294},{"text":"And because all the kids are over 18, it's it's pretty standard.","start":1306.9601,"end":1310.24,"sentiment":"neutral","sentiment_score":0.28325630600253743},{"text":"Right?","start":1310.24,"end":1310.56,"sentiment":"neutral","sentiment_score":0.05765371769666672},{"text":"Your partner receives the super at the moment and the life insurance when we put that in place, and then eventually, it filters down to the adult children.","start":1310.56,"end":1318.18,"sentiment":"neutral","sentiment_score":0.13899492020053522}],"sentiment":"neutral","sentiment_score":0.22869756096793759,"num_words":62,"start":1299.485,"end":1318.18},{"sentences":[{"text":"Perfect.","start":1320.325,"end":1320.825,"sentiment":"positive","sentiment_score":0.6379579901695251},{"text":"Alrighty, mate.","start":1321.445,"end":1322.165,"sentiment":"positive","sentiment_score":0.4524308294057846},{"text":"Any questions for me at this point?","start":1322.165,"end":1323.705,"sentiment":"neutral","sentiment_score":0.07571174896189145},{"text":"So it's based on a percentage of the balance.","start":1339.78,"end":1343.16,"sentiment":"neutral","sentiment_score":-0.004521202916900317},{"text":"So as the balance goes up or goes down, the fees are paid sort of monthly because, obviously, one year lump sum, that's a bit extreme.","start":1343.475,"end":1350.855,"sentiment":"neutral","sentiment_score":-0.0738494977928125}],"sentiment":"neutral","sentiment_score":0.002489424952202373,"num_words":45,"start":1320.325,"end":1350.855},{"sentences":[{"text":"Spread it out through the year to minimize the impact.","start":1351.5549,"end":1353.975,"sentiment":"neutral","sentiment_score":-0.002464577369391918},{"text":"So it's 1.65% for the year split into the monthlies.","start":1354.035,"end":1358.2999,"sentiment":"neutral","sentiment_score":0.03457747306674719},{"text":"And then as the balance fluctuates, it just follows it on a monthly basis.","start":1358.6,"end":1362.2999,"sentiment":"neutral","sentiment_score":0.015526436069714171},{"text":"Once you get to 600,000, it does flatline.","start":1362.84,"end":1366.76,"sentiment":"neutral","sentiment_score":0.014361835434101522},{"text":"There is a cap because we do have those clients, 1,000,000, 2,000,000, 3,000,000 dollars.","start":1366.76,"end":1371.82,"sentiment":"neutral","sentiment_score":-0.0041274383131946835}],"sentiment":"neutral","sentiment_score":0.010635885875672102,"num_words":56,"start":1351.5549,"end":1371.82},{"sentences":[{"text":"Again, we're good at what we do on this side, but $30 is is probably a bit high.","start":1372.165,"end":1376.885,"sentiment":"neutral","sentiment_score":-0.007462599314749239},{"text":"So the caps when you hit 600,000, and, yes, it follows up and down monthly.","start":1376.885,"end":1381.625,"sentiment":"neutral","sentiment_score":-0.03156177289783955},{"text":"K.","start":1384.005,"end":1384.325,"sentiment":"neutral","sentiment_score":-0.009552055038511751},{"text":"So that's Really?","start":1384.325,"end":1395.14,"sentiment":"neutral","sentiment_score":-0.05077083160479864},{"text":"I'm gonna have a look at that because that's that should not be the case.","start":1400.8151,"end":1404.035,"sentiment":"neutral","sentiment_score":-0.13836879630883533}],"sentiment":"neutral","sentiment_score":-0.05471442068497149,"num_words":52,"start":1372.165,"end":1404.035},{"sentences":[{"text":"It should be pretty well pegged alongside it.","start":1404.175,"end":1408.035,"sentiment":"neutral","sentiment_score":0.05741207767277956},{"text":"Let me just have a quick little look.","start":1408.255,"end":1410.275,"sentiment":"neutral","sentiment_score":0.06178510142490268},{"text":"And thank you for raising that.","start":1411.7001,"end":1412.9,"sentiment":"neutral","sentiment_score":0.31694436570008594},{"text":"Let me just have a look at your transaction history, make sure there's nothing crazy going on.","start":1412.9,"end":1417.0801,"sentiment":"neutral","sentiment_score":0.11297056604834164},{"text":"I've got contributions coming in from Grace Removals.","start":1418.18,"end":1420.76,"sentiment":"neutral","sentiment_score":0.1146716708317399}],"sentiment":"neutral","sentiment_score":0.12113014077569575,"num_words":47,"start":1404.175,"end":1420.76},{"sentences":[{"text":"Fantastic.","start":1420.9,"end":1421.4,"sentiment":"neutral","sentiment_score":0.30140379071235657},{"text":"When is the last adviser fees we had?","start":1423.395,"end":1426.535,"sentiment":"neutral","sentiment_score":-0.0017289819661527872},{"text":"March 4, March and then April.","start":1428.3551,"end":1434.1951,"sentiment":"neutral","sentiment_score":-0.03148933220654726},{"text":"So it dropped about $50 for the month between February and March.","start":1434.1951,"end":1439.19,"sentiment":"neutral","sentiment_score":-0.1355322307596604},{"text":"Yeah.","start":1442.9299,"end":1443.4299,"sentiment":"neutral","sentiment_score":-0.1821162700653076}],"sentiment":"neutral","sentiment_score":-0.061066682051335065,"num_words":28,"start":1420.9,"end":1443.4299},{"sentences":[{"text":"Don't know if maybe you're thinking of I mean, there's obviously the hub fees as well that come out, but then you've got the rebate comes in as well, and then the tax liabilities from the contributions and and growth comes out of it as well.","start":1448.2899,"end":1464.96,"sentiment":"neutral","sentiment_score":0.05260892660526619},{"text":"One of the things that I've got to do too is when we update your plan and we give you some updated projections is we'll factor in taxes, fees, and insurance premiums just so we can take all that into account as well, Make sure we're still getting you into a better position when all is said and done.","start":1464.96,"end":1482.145,"sentiment":"neutral","sentiment_score":0.24368840152934446},{"text":"Alright, Jason.","start":1484.285,"end":1485.165,"sentiment":"neutral","sentiment_score":0.16906365752220154},{"text":"I wanna check with you as well because we're gonna have a bit of a catch up towards June, July, and we've got a few things to do.","start":1485.165,"end":1491.8401,"sentiment":"neutral","sentiment_score":0.12761927422668254},{"text":"Do you want me to kind of just set you up for a bit of a quarterly contact this year, or or once this first half of the year is done, would you prefer to kind of let that go for six months?","start":1491.8401,"end":1500.9,"sentiment":"neutral","sentiment_score":0.0571358326909154}],"sentiment":"neutral","sentiment_score":0.13014569726502498,"num_words":178,"start":1448.2899,"end":1500.9},{"sentences":[{"text":"Yep.","start":1512.015,"end":1512.515,"sentiment":"neutral","sentiment_score":0.08445507287979126},{"text":"Yeah.","start":1512.9751,"end":1513.4751,"sentiment":"neutral","sentiment_score":0.1209678202867508},{"text":"Yep.","start":1513.6151,"end":1514.0951,"sentiment":"neutral","sentiment_score":0.19362877309322357},{"text":"Absolutely.","start":1514.0951,"end":1514.5951,"sentiment":"positive","sentiment_score":0.342904269695282},{"text":"So we've had that chat today.","start":1515.135,"end":1517.0751,"sentiment":"neutral","sentiment_score":0.2727363184094429}],"sentiment":"neutral","sentiment_score":0.2378373846411705,"num_words":10,"start":1512.015,"end":1517.0751},{"sentences":[{"text":"I'll go through that updated advice document with you once I've got the quotes and research done for the portfolio, and then we'll have a bit of a chat around May, early June for the changes in the TPD insurance.","start":1517.22,"end":1532.0399,"sentiment":"neutral","sentiment_score":0.160223494656384},{"text":"And then after that, we can pretty much roll on, you know, August, September, Christmas after that.","start":1533.4349,"end":1539.2949,"sentiment":"neutral","sentiment_score":0.11893069700283163},{"text":"Cool.","start":1540.955,"end":1541.455,"sentiment":"positive","sentiment_score":0.3674304783344269},{"text":"Easy.","start":1542.635,"end":1543.115,"sentiment":"positive","sentiment_score":0.39559853076934814},{"text":"Now I do have to ask you all important question.","start":1543.115,"end":1545.035,"sentiment":"neutral","sentiment_score":0.04792620316147804}],"sentiment":"neutral","sentiment_score":0.1401891692177109,"num_words":69,"start":1517.22,"end":1545.035},{"sentences":[{"text":"Are you still comfortable for us to look after the super at this point for this year?","start":1545.035,"end":1550.68,"sentiment":"neutral","sentiment_score":0.0012787400799639085},{"text":"Yep.","start":1550.68,"end":1551.18,"sentiment":"neutral","sentiment_score":0.130909264087677},{"text":"So I'll send you through that annual review pack to your email.","start":1551.24,"end":1554.3,"sentiment":"neutral","sentiment_score":0.20412797232468924},{"text":"It has a summary of the super insurance just to let you know, like, what accounts you've got, balances based on the day.","start":1554.92,"end":1561.9,"sentiment":"neutral","sentiment_score":0.17361223956812982},{"text":"You've got your portfolio performance.","start":1561.965,"end":1563.9049,"sentiment":"neutral","sentiment_score":0.17173796892166138}],"sentiment":"neutral","sentiment_score":0.12851646324170046,"num_words":58,"start":1545.035,"end":1563.9049},{"sentences":[{"text":"You've got financial services guide with us because we do update licensing details every year.","start":1564.205,"end":1570.065,"sentiment":"neutral","sentiment_score":0.16988304207722346},{"text":"All of your consumer protections are in that one.","start":1570.6849,"end":1573.1849,"sentiment":"neutral","sentiment_score":0.12348439710007773},{"text":"We've got some pretty in-depth reports for your super.","start":1573.4049,"end":1577.62,"sentiment":"neutral","sentiment_score":0.09763397441969977},{"text":"Bit of a Vanguard chart if you're curious about how the markets go.","start":1577.84,"end":1580.88,"sentiment":"neutral","sentiment_score":0.06712328241421626},{"text":"Your certificate of currency for the TPD insurance, not that something's gonna happen, but if you if something does happen and you do need a claim on that towel insurance, you can give us a call, and we'll help you through the claims process.","start":1580.88,"end":1593.965,"sentiment":"neutral","sentiment_score":0.10359293688088655}],"sentiment":"neutral","sentiment_score":0.11076669854422411,"num_words":90,"start":1564.205,"end":1593.965},{"sentences":[{"text":"And we do do a lot of, you know, disability advice.","start":1594.425,"end":1597.405,"sentiment":"neutral","sentiment_score":0.06018425727432424},{"text":"Someone who's been in a car accident can never work again.","start":1597.625,"end":1600.605,"sentiment":"neutral","sentiment_score":-0.04086130078543316},{"text":"Here's a million dollars.","start":1600.665,"end":1601.705,"sentiment":"neutral","sentiment_score":0.013776808395050466},{"text":"How do you make it last?","start":1601.705,"end":1602.925,"sentiment":"neutral","sentiment_score":0.017649757986267407},{"text":"So we're available for the claims and what to do with it afterwards.","start":1603.0901,"end":1606.7101,"sentiment":"neutral","sentiment_score":0.06751616671681404}],"sentiment":"neutral","sentiment_score":0.027805966004315348,"num_words":45,"start":1594.425,"end":1606.7101},{"sentences":[{"text":"And I'm just looking through the documents.","start":1608.4501,"end":1610.2101,"sentiment":"neutral","sentiment_score":0.0509291658444064},{"text":"There should also be one other one I wanted to run by you is a like, it should be like a tax file number declaration.","start":1610.2101,"end":1617.67,"sentiment":"neutral","sentiment_score":0.034998659454286096},{"text":"We're trying to be careful with housing people's sensitive information.","start":1618.265,"end":1622.2051,"sentiment":"neutral","sentiment_score":-0.0435682718642056},{"text":"So usually, we keep your tax phone number on just the one document now and just need to make sure you we've got your consent to utilize it at the time.","start":1622.7451,"end":1631.37,"sentiment":"neutral","sentiment_score":0.05641260659021716},{"text":"Yep.","start":1634.57,"end":1634.97,"sentiment":"neutral","sentiment_score":0.057280268520116806}],"sentiment":"neutral","sentiment_score":0.035160256776253916,"num_words":74,"start":1608.4501,"end":1634.97},{"sentences":[{"text":"I think we've already got it.","start":1634.97,"end":1636.41,"sentiment":"neutral","sentiment_score":0.03724259572724501},{"text":"I was just scrolling through the pack, and it's not in there at the moment.","start":1636.41,"end":1639.29,"sentiment":"neutral","sentiment_score":-0.006284209837516149},{"text":"So I think we already have it in place.","start":1639.29,"end":1641.07,"sentiment":"neutral","sentiment_score":0.026933575256003275},{"text":"Cool.","start":1642.89,"end":1643.39,"sentiment":"positive","sentiment_score":0.34516361355781555},{"text":"Okay.","start":1649.615,"end":1650.115,"sentiment":"neutral","sentiment_score":0.058015648275613785}],"sentiment":"neutral","sentiment_score":0.024211683310568333,"num_words":32,"start":1634.97,"end":1650.115},{"sentences":[{"text":"One thing I'll do when I go to get the quotes is I'm just gonna scroll back through your file and find out how you just got TPD policy in place.","start":1650.255,"end":1658.1951,"sentiment":"neutral","sentiment_score":0.07332102605892767},{"text":"I'll I'll kind of go through the history a little bit and see what I can find.","start":1659.375,"end":1662.2999,"sentiment":"neutral","sentiment_score":0.11811593350242167},{"text":"Awesome.","start":1664.84,"end":1665.34,"sentiment":"positive","sentiment_score":0.4718244671821594},{"text":"Email address, the y seven mail for you, Jason Mall.","start":1665.5599,"end":1669.02,"sentiment":"neutral","sentiment_score":0.21366156190633773},{"text":"Yep.","start":1669.48,"end":1669.7999,"sentiment":"neutral","sentiment_score":0.16445311903953552}],"sentiment":"neutral","sentiment_score":0.11756359804421664,"num_words":60,"start":1650.255,"end":1669.7999},{"sentences":[{"text":"That's okay.","start":1669.7999,"end":1670.54,"sentiment":"neutral","sentiment_score":0.23673992604017258},{"text":"Alright.","start":1671.16,"end":1671.48,"sentiment":"neutral","sentiment_score":0.2103624790906906},{"text":"I'll pop that through to you shortly.","start":1671.48,"end":1673.26,"sentiment":"neutral","sentiment_score":0.24824710828917368},{"text":"If you have any questions, let me know.","start":1673.4,"end":1675.34,"sentiment":"neutral","sentiment_score":0.17782427184283733},{"text":"The team will be in touch in a few weeks just to get you booked in to go through that updated advice document.","start":1675.7749,"end":1680.6749,"sentiment":"neutral","sentiment_score":0.22017345480296924}],"sentiment":"neutral","sentiment_score":0.21727209083917665,"num_words":41,"start":1669.7999,"end":1680.6749},{"sentences":[{"text":"Awesome, Jason.","start":1682.6549,"end":1683.455,"sentiment":"positive","sentiment_score":0.3986223414540291},{"text":"Anything else I can help you with, mate?","start":1683.455,"end":1685.1549,"sentiment":"neutral","sentiment_score":0.15286897122859955},{"text":"You too.","start":1688.27,"end":1688.75,"sentiment":"positive","sentiment_score":0.4465130716562271},{"text":"I appreciate you jumping from call to call.","start":1688.75,"end":1690.85,"sentiment":"positive","sentiment_score":0.7329024598002434},{"text":"And we have just kept it to twenty eight minutes, so right on time.","start":1691.23,"end":1695.01,"sentiment":"positive","sentiment_score":0.554483100771904}],"sentiment":"positive","sentiment_score":0.4864472260369974,"num_words":34,"start":1682.6549,"end":1695.01},{"sentences":[{"text":"No worries at all, mate.","start":1699.445,"end":1700.4049,"sentiment":"neutral","sentiment_score":0.3229034662246704},{"text":"I'll talk to you soon, mate.","start":1700.4049,"end":1701.705,"sentiment":"positive","sentiment_score":0.3686237335205078},{"text":"Thank you.","start":1703.0449,"end":1703.6849,"sentiment":"positive","sentiment_score":0.3634885996580124},{"text":"Bye.","start":1703.6849,"end":1704.1849,"sentiment":"neutral","sentiment_score":0.11039230227470398}],"sentiment":"neutral","sentiment_score":0.33311637384550913,"num_words":14,"start":1699.445,"end":1704.1849}]}}]},{"alternatives":[{"transcript":"Hi. You've reached Jason. Sorry I can't take your call. Please leave a name, short message, and contact number, and I'll get back to you shortly. Hi. You there? Yeah. Good. Hi. Sorry. I was just on another finishing on another call. Because I got a message earlier that Maddie's not available today or whoever I was supposed to talk to. Yeah. Cool. I do. I've got about half an hour. Yep. Will do. That's fine. No. It could be RooftaRoofta, something like that. Ryan. Yes. Yes. That's fine. I am. Yes. Yes. Yeah. I don't know. Even though one of them moved out, they all feel like they're still dependent, but that's okay. Actually, no. They're all now in their twenties. So no. Just three three children total, all all over eighteen. Still a business development manager, probably a little bit less, probably 100 now. Grace, g r a c e. No. I get paid. I give it to my wife. She does whatever she does with it. Yeah. Yeah. Yeah. Car loans. Couple of grand. I think credit card's about 6. No. I do, but my wife looks at her, so I have no idea what's there. A 20 k? No. Great. Great. No. Debbie. Sounds about right. Correct. Yeah. I do I do on a regular basis. At the moment, daily. Well, considering considering it seems to be more of a slide than not, and it's gone down, like, 10% since October. Yeah. Yeah. Yeah. Sounds about right. Yep. Yep. Yep. Yep. I have. I've looked at what the I call it the circle of life. And yeah. Yeah. I haven't gone into a lot of detail on it, but, yeah, I have seen it. Yeah. I think that's been that's been really nice about it. So yeah. Yeah. Yep. Mhmm. Yep. Right now, passive. Yep. Okay. Yep. Alright. With what I've seen happen with the markets, if it would have gone down 5%, 6%, I probably wouldn't have worried as much. But yeah. Especially when there's still contributions going in and then it's still going backwards. Like that, it's like, wow. Correct. Makes a lot of sense. Yes. Yep. Happy about it. Yeah. Yep. Are there enough other things that are driving me at the moment without that? Yep. Sounds good. Now is I had a life insurance set up with TAL that came out of this fund. Is that still I don't think that's happened this year. Yep. Okay. Okay. That's good. That's Yep. Yes. Yeah. Yeah. Well, that's why it'd be good to see that before that anniversary to then maybe look at what that really looks like to to see what that fee is Try to accept me. So yeah. Yeah. Yep. Yep. We can leave that alone. Yeah. I just couldn't remember when the anniversary to that was. Like, when it was coming up. Yeah. Yeah. Yeah. No. We need to look at that too. We we can do all that. Actually, no. Probably start looking at that sooner than later. I only I only said that I only said that because I'm in an age where I have friends at my age, like, in mid fifties who are no longer with me. So yeah. Correct. Yes. Yep. I thought that was actually part of it with the the thing from Talbot, obviously, not. Yeah. Yep. Yes, please. Yep. Sure. Yep. Absolutely. Yeah. Nope. Kelsey at the gym three, four days a week. So yeah. Yep. Mhmm. Yep. That that's fine. Yeah. Probably one eighty one. I think that's shrunken here. Yeah. Yeah. Killers. One fee. It'll give you a bit higher than that. $35.36, something like that. Yep. Yep. Yes. Mhmm. Probably not today. You can probably do tomorrow afternoon. We are until this weekend. I finished this weekend. Probably somewhere around two 02:30. And you said it only takes about half an hour? Twenty minutes. Yeah. Yes. Yep. Yeah. Cool. Yep. Mhmm. Yep. Not really. Your your fees as a whole, are they calculated based on what you do in a in a month? Is it based on what my balance is? How does that work? Yep. Yep. Yep. Yep. Yep. Yep. Okay. Because even though it's the reason I ask is even though it's dropped, like, 10%, it looked as though your fees have actually gone up. Like, I've actually paid more in a month where it had gone down than a month where it had gone up. I don't know why. I must have seen something. It just it didn't look right. Maybe it just didn't. Yes. Yes. Yes. Mhmm. I think quarterly probably could just to explore for the of how things are changing so rapidly. Yes. Mhmm. Yeah. No. That sounds good. Yes. Yes. Yep. Yes. Oh. Yep. Yes. You should have it. Yeah. I'm very surprised that that's in from tell that it's not life insurance because that was originally what I asked for. Yep. That's fine. Yeah. Yeah. Alright. Fabulous. Mate, no. Appreciate your time this afternoon. Awesome. I'm about to jump into another Teams meeting, so that worked well. Thank you so much. Cheers. 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You've reached Jason. Sorry I can't take your call. Please leave a name, short message, and contact number, and I'll get back to you shortly. Hi.\n\nYou there? Yeah. Good. Hi. Sorry.\n\nI was just on another finishing on another call. Because I got a message earlier that Maddie's not available today or whoever I was supposed to talk to. Yeah. Cool. I do.\n\nI've got about half an hour. Yep. Will do. That's fine. No.\n\nIt could be RooftaRoofta, something like that. Ryan. Yes. Yes. That's fine.\n\nI am. Yes. Yes. Yeah. I don't know.\n\nEven though one of them moved out, they all feel like they're still dependent, but that's okay. Actually, no. They're all now in their twenties. So no. Just three three children total, all all over eighteen.\n\nStill a business development manager, probably a little bit less, probably 100 now. Grace, g r a c e. No. I get paid. I give it to my wife.\n\nShe does whatever she does with it. Yeah. Yeah. Yeah. Car loans.\n\nCouple of grand. I think credit card's about 6. No. I do, but my wife looks at her, so I have no idea what's there. A 20 k?\n\nNo. Great. Great. No. Debbie.\n\nSounds about right. Correct. Yeah. I do I do on a regular basis. At the moment, daily.\n\nWell, considering considering it seems to be more of a slide than not, and it's gone down, like, 10% since October. Yeah. Yeah. Yeah. Sounds about right.\n\nYep. Yep. Yep. Yep. I have.\n\nI've looked at what the I call it the circle of life. And yeah. Yeah. I haven't gone into a lot of detail on it, but, yeah, I have seen it. Yeah.\n\nI think that's been that's been really nice about it. So yeah. Yeah. Yep. Mhmm.\n\nYep. Right now, passive. Yep. Okay. Yep.\n\nAlright. With what I've seen happen with the markets, if it would have gone down 5%, 6%, I probably wouldn't have worried as much. But yeah. Especially when there's still contributions going in and then it's still going backwards. Like that, it's like, wow.\n\nCorrect. Makes a lot of sense. Yes. Yep. Happy about it.\n\nYeah. Yep. Are there enough other things that are driving me at the moment without that? Yep. Sounds good.\n\nNow is I had a life insurance set up with TAL that came out of this fund. Is that still I don't think that's happened this year. Yep. Okay. Okay.\n\nThat's good. That's Yep. Yes. Yeah. Yeah.\n\nWell, that's why it'd be good to see that before that anniversary to then maybe look at what that really looks like to to see what that fee is Try to accept me. So yeah. Yeah. Yep. Yep.\n\nWe can leave that alone. Yeah. I just couldn't remember when the anniversary to that was. Like, when it was coming up. Yeah.\n\nYeah. Yeah. No. We need to look at that too. We we can do all that.\n\nActually, no. Probably start looking at that sooner than later. I only I only said that I only said that because I'm in an age where I have friends at my age, like, in mid fifties who are no longer with me. So yeah. Correct.\n\nYes. Yep. I thought that was actually part of it with the the thing from Talbot, obviously, not. Yeah. Yep.\n\nYes, please. Yep. Sure. Yep. Absolutely.\n\nYeah. Nope. Kelsey at the gym three, four days a week. So yeah. Yep.\n\nMhmm. Yep. That that's fine. Yeah. Probably one eighty one.\n\nI think that's shrunken here. Yeah. Yeah. Killers. One fee.\n\nIt'll give you a bit higher than that. $35.36, something like that. Yep. Yep. Yes.\n\nMhmm. Probably not today. You can probably do tomorrow afternoon. We are until this weekend. I finished this weekend.\n\nProbably somewhere around two 02:30. And you said it only takes about half an hour? Twenty minutes. Yeah. Yes.\n\nYep. Yeah. Cool. Yep. Mhmm.\n\nYep. Not really. Your your fees as a whole, are they calculated based on what you do in a in a month? Is it based on what my balance is? How does that work?\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Okay. Because even though it's the reason I ask is even though it's dropped, like, 10%, it looked as though your fees have actually gone up. Like, I've actually paid more in a month where it had gone down than a month where it had gone up. I don't know why.\n\nI must have seen something. It just it didn't look right. Maybe it just didn't. Yes. Yes.\n\nYes. Mhmm. I think quarterly probably could just to explore for the of how things are changing so rapidly. Yes. Mhmm.\n\nYeah. No. That sounds good. Yes. Yes.\n\nYep. Yes. Oh. Yep. Yes.\n\nYou should have it. Yeah. I'm very surprised that that's in from tell that it's not life insurance because that was originally what I asked for. Yep. That's fine.\n\nYeah. Yeah. Alright. Fabulous. Mate, no.\n\nAppreciate your time this afternoon. Awesome. I'm about to jump into another Teams meeting, so that worked well. Thank you so much. Cheers.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi.","start":2.0,"end":2.32,"sentiment":"neutral","sentiment_score":0.04583887755870819},{"text":"You've reached Jason.","start":2.32,"end":3.46,"sentiment":"neutral","sentiment_score":0.0324954887231191},{"text":"Sorry I can't take your call.","start":3.52,"end":5.22,"sentiment":"neutral","sentiment_score":-0.23088603963454565},{"text":"Please leave a name, short message, and contact number, and I'll get back to you shortly.","start":5.52,"end":10.9,"sentiment":"neutral","sentiment_score":-0.06990868644788861},{"text":"Hi.","start":30.58,"end":31.06,"sentiment":"neutral","sentiment_score":0.12063097208738328}],"sentiment":"neutral","sentiment_score":-0.08295921870955715,"num_words":27,"start":2.0,"end":31.06},{"sentences":[{"text":"You 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that.","start":1146.32,"end":1148.08,"sentiment":"neutral","sentiment_score":0.08665002649649978},{"text":"$35.36, something like that.","start":1148.08,"end":1150.4199,"sentiment":"neutral","sentiment_score":-0.011857127770781517},{"text":"Yep.","start":1162.5249,"end":1163.0249,"sentiment":"neutral","sentiment_score":0.026481425389647484},{"text":"Yep.","start":1163.085,"end":1163.585,"sentiment":"neutral","sentiment_score":0.02028949186205864},{"text":"Yes.","start":1170.4,"end":1170.9,"sentiment":"neutral","sentiment_score":0.030784744769334793}],"sentiment":"neutral","sentiment_score":0.048221824193994206,"num_words":15,"start":1146.32,"end":1170.9},{"sentences":[{"text":"Mhmm.","start":1202.1,"end":1202.6,"sentiment":"neutral","sentiment_score":-0.0518462099134922},{"text":"Probably not today.","start":1202.98,"end":1204.28,"sentiment":"negative","sentiment_score":-0.36184221506118774},{"text":"You can probably do tomorrow afternoon.","start":1215.915,"end":1217.9349,"sentiment":"neutral","sentiment_score":0.06482852033029},{"text":"We are until this weekend.","start":1225.35,"end":1226.89,"sentiment":"neutral","sentiment_score":-0.011506899818778038},{"text":"I finished this weekend.","start":1229.11,"end":1230.4099,"sentiment":"neutral","sentiment_score":0.11798481084406376}],"sentiment":"neutral","sentiment_score":-0.017578788885944767,"num_words":19,"start":1202.1,"end":1230.4099},{"sentences":[{"text":"Probably somewhere around two 02:30.","start":1238.385,"end":1241.0449,"sentiment":"neutral","sentiment_score":0.06140458732843399},{"text":"And you said it only takes about half an hour?","start":1244.145,"end":1246.2,"sentiment":"neutral","sentiment_score":0.06231617145240307},{"text":"Twenty minutes.","start":1246.6799,"end":1247.5,"sentiment":"neutral","sentiment_score":0.08312546461820602},{"text":"Yeah.","start":1252.44,"end":1252.94,"sentiment":"neutral","sentiment_score":0.2575930953025818},{"text":"Yes.","start":1282.37,"end":1282.87,"sentiment":"neutral","sentiment_score":0.16123399138450625}],"sentiment":"neutral","sentiment_score":0.07975066668893162,"num_words":19,"start":1238.385,"end":1282.87},{"sentences":[{"text":"Yep.","start":1293.9751,"end":1294.4751,"sentiment":"neutral","sentiment_score":0.1963491886854172},{"text":"Yeah.","start":1305.0299,"end":1305.35,"sentiment":"neutral","sentiment_score":0.2809334695339203},{"text":"Cool.","start":1305.35,"end":1305.85,"sentiment":"positive","sentiment_score":0.43168073892593384},{"text":"Yep.","start":1307.9751,"end":1308.4751,"sentiment":"neutral","sentiment_score":0.1916098594665527},{"text":"Mhmm.","start":1318.6951,"end":1318.775,"sentiment":"neutral","sentiment_score":0.10480254888534546}],"sentiment":"neutral","sentiment_score":0.2410751610994339,"num_words":5,"start":1293.9751,"end":1318.775},{"sentences":[{"text":"Yep.","start":1318.775,"end":1319.275,"sentiment":"neutral","sentiment_score":0.32790669798851013},{"text":"Not really.","start":1326.02,"end":1326.9,"sentiment":"neutral","sentiment_score":-0.0841989740729332},{"text":"Your your fees as a whole, are they calculated based on what you do in a in a month?","start":1326.9,"end":1335.7151,"sentiment":"neutral","sentiment_score":-0.024111636424143063},{"text":"Is it based on what my balance is?","start":1335.7151,"end":1338.035,"sentiment":"neutral","sentiment_score":-0.01224696624558419},{"text":"How does that work?","start":1338.035,"end":1339.095,"sentiment":"neutral","sentiment_score":-0.0019547652918845415}],"sentiment":"neutral","sentiment_score":-0.01189432745142018,"num_words":34,"start":1318.775,"end":1339.095},{"sentences":[{"text":"Yep.","start":1356.96,"end":1357.4401,"sentiment":"neutral","sentiment_score":0.04263424873352051},{"text":"Yep.","start":1357.4401,"end":1357.6901,"sentiment":"neutral","sentiment_score":0.02348407171666622},{"text":"Yep.","start":1357.6901,"end":1358.1901,"sentiment":"neutral","sentiment_score":0.018531402572989464},{"text":"Yep.","start":1371.165,"end":1371.665,"sentiment":"neutral","sentiment_score":0.0013331256341189146},{"text":"Yep.","start":1372.445,"end":1372.945,"sentiment":"neutral","sentiment_score":0.01597137190401554}],"sentiment":"neutral","sentiment_score":0.02039084411226213,"num_words":5,"start":1356.96,"end":1372.945},{"sentences":[{"text":"Yep.","start":1381.72,"end":1382.22,"sentiment":"neutral","sentiment_score":0.01681499183177948},{"text":"Okay.","start":1382.44,"end":1382.94,"sentiment":"neutral","sentiment_score":0.007347858510911465},{"text":"Because even though it's the reason I ask is even though it's dropped, like, 10%, it looked as though your fees have actually gone up.","start":1383.7999,"end":1394.015,"sentiment":"neutral","sentiment_score":-0.10075376309454441},{"text":"Like, I've actually paid more in a month where it had gone down than a month where it had gone up.","start":1394.015,"end":1400.035,"sentiment":"neutral","sentiment_score":-0.1250919137327444},{"text":"I don't know why.","start":1442.515,"end":1443.155,"sentiment":"neutral","sentiment_score":-0.23495616391301155}],"sentiment":"neutral","sentiment_score":-0.11656607828962688,"num_words":52,"start":1381.72,"end":1443.155},{"sentences":[{"text":"I must have seen something.","start":1443.155,"end":1444.1951,"sentiment":"neutral","sentiment_score":-0.27361456751823426},{"text":"It just it didn't look right.","start":1444.1951,"end":1446.215,"sentiment":"neutral","sentiment_score":-0.24060040464003882},{"text":"Maybe it just didn't.","start":1452.755,"end":1454.055,"sentiment":"neutral","sentiment_score":-0.044959415681660175},{"text":"Yes.","start":1454.6699,"end":1455.1699,"sentiment":"neutral","sentiment_score":0.06105034798383713},{"text":"Yes.","start":1470.515,"end":1471.015,"sentiment":"neutral","sentiment_score":0.11926713585853577}],"sentiment":"neutral","sentiment_score":-0.16536443790092187,"num_words":17,"start":1443.155,"end":1471.015},{"sentences":[{"text":"Yes.","start":1476.835,"end":1477.335,"sentiment":"positive","sentiment_score":0.3401980400085449},{"text":"Mhmm.","start":1490.42,"end":1490.92,"sentiment":"neutral","sentiment_score":0.05012849345803261},{"text":"I think quarterly probably could just to explore for the of how things are changing so rapidly.","start":1504.465,"end":1512.1649,"sentiment":"neutral","sentiment_score":0.004329010844230652},{"text":"Yes.","start":1530.505,"end":1531.005,"sentiment":"neutral","sentiment_score":0.11394014209508896},{"text":"Mhmm.","start":1538.825,"end":1539.325,"sentiment":"neutral","sentiment_score":0.067484050989151}],"sentiment":"neutral","sentiment_score":0.03073066242393993,"num_words":21,"start":1476.835,"end":1539.325},{"sentences":[{"text":"Yeah.","start":1539.945,"end":1540.445,"sentiment":"neutral","sentiment_score":0.07470594346523285},{"text":"No.","start":1540.6649,"end":1540.9049,"sentiment":"neutral","sentiment_score":0.0774606317281723},{"text":"That sounds good.","start":1540.9049,"end":1541.885,"sentiment":"positive","sentiment_score":0.39871763189633685},{"text":"Yes.","start":1549.69,"end":1550.19,"sentiment":"neutral","sentiment_score":0.056598566472530365},{"text":"Yes.","start":1560.245,"end":1560.745,"sentiment":"neutral","sentiment_score":0.15514621138572693}],"sentiment":"neutral","sentiment_score":0.2228663212486676,"num_words":7,"start":1539.945,"end":1560.745},{"sentences":[{"text":"Yep.","start":1582.375,"end":1582.875,"sentiment":"neutral","sentiment_score":0.060237817466259},{"text":"Yes.","start":1591.4149,"end":1591.9149,"sentiment":"neutral","sentiment_score":0.14727556705474854},{"text":"Oh.","start":1594.695,"end":1595.01,"sentiment":"neutral","sentiment_score":0.06649193167686462},{"text":"Yep.","start":1603.41,"end":1603.91,"sentiment":"neutral","sentiment_score":0.07675718516111374},{"text":"Yes.","start":1623.0751,"end":1623.45,"sentiment":"neutral","sentiment_score":0.05707400664687157}],"sentiment":"neutral","sentiment_score":0.0815673016011715,"num_words":5,"start":1582.375,"end":1623.45},{"sentences":[{"text":"You should have it.","start":1633.0499,"end":1634.35,"sentiment":"neutral","sentiment_score":0.0756560517475009},{"text":"Yeah.","start":1642.4249,"end":1642.745,"sentiment":"neutral","sentiment_score":0.10706394910812378},{"text":"I'm very surprised that that's in from tell that it's not life insurance because that was originally what I asked for.","start":1642.745,"end":1649.325,"sentiment":"neutral","sentiment_score":-0.01634941910881372},{"text":"Yep.","start":1658.8099,"end":1659.3099,"sentiment":"neutral","sentiment_score":0.10476046800613403},{"text":"That's fine.","start":1668.6951,"end":1669.275,"sentiment":"neutral","sentiment_score":0.26432084292173386}],"sentiment":"neutral","sentiment_score":0.0241293968504359,"num_words":29,"start":1633.0499,"end":1669.275},{"sentences":[{"text":"Yeah.","start":1669.495,"end":1669.995,"sentiment":"neutral","sentiment_score":0.1993672251701355},{"text":"Yeah.","start":1681.26,"end":1681.74,"sentiment":"neutral","sentiment_score":0.1737273931503296},{"text":"Alright.","start":1681.74,"end":1682.22,"sentiment":"positive","sentiment_score":0.3345932364463806},{"text":"Fabulous.","start":1682.22,"end":1682.72,"sentiment":"positive","sentiment_score":0.6497321724891663},{"text":"Mate, no.","start":1685.42,"end":1686.0599,"sentiment":"neutral","sentiment_score":-0.04423591122031212}],"sentiment":"neutral","sentiment_score":0.21149136746923128,"num_words":6,"start":1669.495,"end":1686.0599},{"sentences":[{"text":"Appreciate your time this afternoon.","start":1686.0599,"end":1687.68,"sentiment":"neutral","sentiment_score":0.3236884355545044},{"text":"Awesome.","start":1695.895,"end":1696.215,"sentiment":"positive","sentiment_score":0.8490196466445923},{"text":"I'm about to jump into another Teams meeting, so that worked well.","start":1696.215,"end":1699.275,"sentiment":"positive","sentiment_score":0.6606785953044891},{"text":"Thank you so much.","start":1701.655,"end":1702.795,"sentiment":"positive","sentiment_score":0.7803471088409424},{"text":"Cheers.","start":1702.855,"end":1703.255,"sentiment":"positive","sentiment_score":0.5714601874351501}],"sentiment":"positive","sentiment_score":0.6125414604726045,"num_words":23,"start":1686.0599,"end":1703.255},{"sentences":[{"text":"Bye.","start":1703.255,"end":1703.755,"sentiment":"positive","sentiment_score":0.39859235286712646}],"sentiment":"positive","sentiment_score":0.39859235286712646,"num_words":1,"start":1703.255,"end":1703.755}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi. You've reached Jason. Sorry I can't take your call. Please leave a name, short message, and contact number, and I'll get back to you shortly.\n\nChannel 0: Hi, Jason. It's Tommy here, senior adviser from Oakview Financial. Just giving you a call to go through that annual review and discuss your superannuation. Our number is 130160796. Mate, if you're still available, please give us a call.\n\nI'll send you a text now and hopefully talk to you soon.\n\nChannel 1: Hi. You there?\n\nChannel 0: Jason, how are you doing?\n\nChannel 1: Yeah. Good. Hi. Sorry. I was just on another finishing on another call.\n\nBecause I got a message earlier that Maddie's not available today or whoever I was supposed to talk to.\n\nChannel 0: Yeah. Veronica's going home sick, so I wanted to sort of jump in and have a chat to you. I'm one of the senior advisers here.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: Mate, do you still have a bit of time to go through that annual review with me?\n\nChannel 1: I do. I've got about half an hour.\n\nChannel 0: Half an hour is perfect. If you feel like it's running a little bit too close to the line, just let me know. Okay?\n\nChannel 1: Yep. Will do.\n\nChannel 0: Perfect. And just before I jump into it, are you okay for the call to be recorded?\n\nChannel 1: That's fine.\n\nChannel 0: Awesome. And just for security of your account, do you recall your client password with us?\n\nChannel 1: No. It could be RooftaRoofta, something like\n\nChannel 0: It\n\nChannel 1: that.\n\nChannel 0: is there's a prompt here for second child's middle name.\n\nChannel 1: Ryan.\n\nChannel 0: That's the one. Thank you so much for that, Jason. Appreciate that, mate. Now what I wanted to go through with you, you had some concerns around the volatility in your super and what obviously, what's\n\nChannel 1: Yes.\n\nChannel 0: going on in The US and some risks and things like that. So I really wanted to address that with you today, which is why we didn't wanna kind of reschedule today's meeting because, obviously, there's a lot going on, and\n\nChannel 1: Yes.\n\nChannel 0: pretty important to have a chat there. I do wanna go over just a general annual review with you as well, make sure we're covering all bases if that's okay.\n\nChannel 1: That's fine.\n\nChannel 0: Perfect. Perfect. So before I get into the sort of meat and potatoes of the markets, I'm just gonna have a quick look through the details that we have on file because we've changed systems at the moment to a new CRM. Just wanna make sure all this is still accurate. So I'm looking through the address.\n\nAre you still in McAlester Avenue?\n\nChannel 1: I am.\n\nChannel 0: Perfect. And partner's still Jasmine, one child,\n\nChannel 1: Yes.\n\nChannel 0: and she would be like your next of kin and beneficiary.\n\nChannel 1: Yes.\n\nChannel 0: Yep. So you've got one dependent, three children in total.\n\nChannel 1: Yeah. I don't know. Even though one of them moved out, they all feel like they're still dependent, but that's okay.\n\nChannel 0: Cool. So we'll say one's 18, three above.\n\nChannel 1: Actually, no. They're all now in their twenties. So\n\nChannel 0: No way. Okay. So would I say four children total all above the age of 18?\n\nChannel 1: no. Just three three children total, all all over\n\nChannel 0: Three\n\nChannel 1: eighteen.\n\nChannel 0: total all over 18. Amazing. I'll update that. Thank you. Occupation wise, are you still a business business development manager earning about 110,000?\n\nChannel 1: Still a business development manager, probably a little bit less, probably 100 now.\n\nChannel 0: Yep. K. Now with the employer, what's the employer name that's coming through?\n\nChannel 1: Grace, g r a\n\nChannel 0: Grace.\n\nChannel 1: c e.\n\nChannel 0: That's the one. Thank you. Now when it comes to cash flow, are you putting aside, like, a certain amount of savings each week, fortnight, or month?\n\nChannel 1: No. I get paid. I give it to my wife. She does whatever she does with it.\n\nChannel 0: Perfect. And then it obviously go into a few different things. We do have a car and a credit card listed. Little bit of a car loan left, a little bit\n\nChannel 1: Yeah.\n\nChannel 0: owing on the credit card. Is that still the case?\n\nChannel 1: Yeah. Yeah. Car loans. Couple of grand. I think credit card's about 6.\n\nChannel 0: Yep. Perfect. Do you have any other assets or liabilities? Any, like, new home loans or personal loans, shares, crypto, anything like that?\n\nChannel 1: No.\n\nChannel 0: Perfect. And last thing for assets is just do you have an amount put away in savings so far? Bit of an emergency buffer.\n\nChannel 1: I do, but my wife looks at her, so I have no idea what's there.\n\nChannel 0: Cool. You wouldn't even have an estimate if it's $5.10, 15,000?\n\nChannel 1: A 20 k?\n\nChannel 0: 20. That's perfect. Just wanna make sure we're taking that into account. Have you ever gone through bankruptcy or debt agreement before?\n\nChannel 1: No.\n\nChannel 0: Perfect. We've got your health details. You're still a nonsmoker on\n\nChannel 1: Great.\n\nChannel 0: high blood blood pressure medication, and you don't have a will in place or anything like that?\n\nChannel 1: Great. No.\n\nChannel 0: Beautiful. Alright. So that all seems to be accurate. I'm just gonna put a couple of updates here, and we're good to go. Awesome.\n\nJust quickly checking the goals as well. So the main thing when it comes to the superannuation is we have you set to try and retire in around ten to fifteen years. So you're\n\nChannel 1: Debbie.\n\nChannel 0: still in a very kind of precarious position where you're trying to grow your super enough to have enough to retire on, but you obviously don't wanna risk too much of it that you're losing it very close to retirement. Does that sound about right?\n\nChannel 1: Sounds about right.\n\nChannel 0: Perfect. Other than that, you're focusing on some travel with the family, might be looking at a a property purchase down the line. Is that correct?\n\nChannel 1: Correct.\n\nChannel 0: Beautiful. Okay. So just diving into the super, you've obviously been have you logged into Hub? Have you had a little look at the balance fluctuating, all that kind of thing?\n\nChannel 1: Yeah. I do I do on a regular basis.\n\nChannel 0: Yep. How regular would you check\n\nChannel 1: At the moment,\n\nChannel 0: it?\n\nChannel 1: daily.\n\nChannel 0: At the moment, daily. Oh, you're a bit of a that's a bit of a concern, of course, but I don't blame you, with what's going on. Anytime you see a news article, you can practically log in the next day and see what's happened to the super and see a movement up or down. So it's\n\nChannel 1: Well,\n\nChannel 0: one of\n\nChannel 1: considering\n\nChannel 0: those periods.\n\nChannel 1: considering it seems to be more of a slide than not, and it's gone down, like, 10% since October. Yeah.\n\nChannel 0: Correct. Correct. Now going into risk profile categories, so I just wanna start there for a moment. You're in essentially what's called a balanced growth. So the way I see it when I look at your super is you're kind of like a 3.5 out of five.\n\nYou're a little bit\n\nChannel 1: Yeah.\n\nChannel 0: more than medium in terms of risk. Just trying to get that extra little bit of growth, but you're not going into the the growth, high growth, high risk end. You're just\n\nChannel 1: Yeah.\n\nChannel 0: above medium. Does that make sense?\n\nChannel 1: Sounds about right.\n\nChannel 0: Yep. So when you're in that balanced growth, you're aiming for around about, say, 75% in growth assets. Shares,\n\nChannel 1: Yep.\n\nChannel 0: property, and gold, a quarter of your super should be in something pretty safe that can get you a nice safe return. That's kind of the balancing act. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Cool. Two things that I can see straight away. 10% of a drop since October, that's a little bit on the high end for a balanced growth. I would have expected\n\nChannel 1: Yep.\n\nChannel 0: it to be around about 7%.\n\nChannel 1: Yep.\n\nChannel 0: So that's kind of giving me flag number one. Flag number two, can you ever see the investment options that you have? Have you ever looked at the seven or eight options that we've got you in?\n\nChannel 1: I have. I've looked at what the I call it the circle of life. And yeah.\n\nChannel 0: Yep. The one I'm pointing at here, I'm hoping you've seen it, is Ben Long Australian Equities. Have you seen that?\n\nChannel 1: Yeah. I haven't gone into a lot of detail on it, but, yeah, I have\n\nChannel 0: Yep.\n\nChannel 1: seen it.\n\nChannel 0: Cool. So what I can basically see here is that most of the options have done pretty well. Gold and American shares are up. Your safe assets are still doing their thing. They're kind of doing that one to 4% returns, which is what you want to kind of offset all those growth assets that you have.\n\nK? So that's point number one. What I can see in that Benelon option is your Australian shares have kind of dropped a little bit faster than what the Australian market has done. So there's around about 21% of your super in Australian shares, and it's going down a little bit quicker than the Aussie market is, if that makes sense.\n\nChannel 1: Yeah. I think that's been that's been really nice about it. So yeah.\n\nChannel 0: Yep. Absolutely. To be perfectly honest, this Bennelong Fund was top five Australian shares manager three, four years ago across the whole country. They won all the awards, did all the fancy stuff, and then they've seemingly in the last twelve to eighteen months split off from the pack completely, and they've just been dropping, dropping faster than everybody else, which is a concern of mine. So I think that's what's causing the extra little bit of risk than what we would expect.\n\nSo that 7% combined up to the 10% is pretty much all down to that one option.\n\nChannel 1: Yeah.\n\nChannel 0: So we have to fix it. We have to update things. We've already talked to the investment committee around some replacement options for this year for clients, and we've come up with a few. Can I just ask you one quick question? Because, obviously, Veronica, your adviser, and I, we're gonna make some recommendations.\n\nBut\n\nChannel 1: Yep.\n\nChannel 0: I do wanna get just a little bit of a style question to you, if that's okay.\n\nChannel 1: Mhmm.\n\nChannel 0: So you've got two main styles. You've got active and passive. Passive\n\nChannel 1: Yep.\n\nChannel 0: is more low fee index funds that follows the market very closely, very low investment fees, but you get the return of the market. The active side, you pay a little bit higher fees. They try and pick and choose stocks, try and get a better return than the market. Which way does your sort of gut feeling pull you towards?\n\nChannel 1: Right now, passive.\n\nChannel 0: Yep. Easy done. I do have some good active and passive replacements for this one option.\n\nChannel 1: Yep.\n\nChannel 0: So I'm more than happy to go low fees, replace that one, get it a bit more in line with the Aussie market, And then I'm gonna do a bit of a deep dive with the team to see if there's any other risks that we're not seeing that may cause some big drops in your fund this year.\n\nChannel 1: Okay.\n\nChannel 0: Because what I wanna do is I wanna make sure that the risk level that you're in is what you would expect. So in a balanced growth, in a single year, it could go up ten, fifteen, 18%, or it could drop, say, seven to 15 if we had a big crash like a GFC, COVID, that kind of thing.\n\nChannel 1: Yep.\n\nChannel 0: So to see that 10 very quickly, that's yeah. That's a bit high. That's a bit high.\n\nChannel 1: Alright. With what\n\nChannel 0: Yep.\n\nChannel 1: I've seen happen with the markets, if it would have gone down 5%, 6%, I probably wouldn't have worried as much.\n\nChannel 0: Yeah.\n\nChannel 1: But yeah. Especially when there's still contributions going in and then it's still going backwards.\n\nChannel 0: Yeah.\n\nChannel 1: Like\n\nChannel 0: Correct.\n\nChannel 1: that, it's like, wow.\n\nChannel 0: One of the cool things at least is as the contributions are going in, we're gonna be buying into the market as it drops. So when it goes up, you're gonna get a nice high return on the way up again. Because when I said at the start of the call, you're retiring in ten to fifteen years, you've kind of got, I guess, two market cycles ahead of you. So what I mean by that is stock market grows for five, six years, then it crashes, grows, and then it crashes. So this next seven years for you is to get as much growth out of it as possible to get enough\n\nChannel 1: Correct.\n\nChannel 0: there for retirement, and then it's a matter of protecting it. So in that last seven years, we go from balanced growth, 75%. We then go to drop you down to sixty, fifty, 40% over those last seven years so that when you do hit sixty, sixty five, 67, you don't lose half of it because the stock market crashed. You can actually retire on it, put it into a pension account, and safely kind of draw down an income. Does that make sense?\n\nChannel 1: Makes a lot of sense.\n\nChannel 0: K. Now just what I was saying before around that balanced growth risk profile, to me, it still seems appropriate for you because, again, the balancing between the time frame and the risk and the returns. Are you comfortable with that profile itself as I've explained it?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yep. So let's just make sure we optimize the options, get rid of the bad apple, and make sure there's nothing crazy under the hood that we're not taking to account. Happy with that?\n\nChannel 1: Happy about it.\n\nChannel 0: Perfect. So what I'm gonna do, I'm gonna do an updated advice document for you over the next couple of weeks. I'm gonna put together some research, look at updating some of the options there, then we're gonna walk through it together. I'm gonna run it through with Veronica just so she can see what we're doing. And\n\nChannel 1: Yeah.\n\nChannel 0: that way, we're very risk conscious, and then just get you back on track for those long term returns. Again, we're still aiming for that kind of eight to 12% average, but, again, let's just address the risk at the moment.\n\nChannel 1: Yep.\n\nChannel 0: Now when it comes to contributions, I'm gonna base this off what your employer is putting in. Did you want me to consider anything in terms of salary sacrifice or anything like that, or have you got enough priorities for your cash flow at this point?\n\nChannel 1: Are there enough other things that are driving me at the moment without that?\n\nChannel 0: Yeah. No. That's totally fine. So I'll just try and base it on getting you to that retirement goal based on what your work's putting in and the\n\nChannel 1: Yep.\n\nChannel 0: growth of the funds.\n\nChannel 1: Sounds good.\n\nChannel 0: Cool.\n\nChannel 1: Now\n\nChannel 0: Cool.\n\nChannel 1: is I had a life insurance set up with TAL that came out of this fund. Is that still I don't think that's happened this year.\n\nChannel 0: That's the next thing I was gonna talk to you about. We've got a certificate of currency here, and I'm just having a look at it now. I'm actually gonna email it through to you. We've\n\nChannel 1: Yep.\n\nChannel 0: got next bill date is the July 20. So you're already paid up for the year. The next one's not for a few months'\n\nChannel 1: Okay.\n\nChannel 0: time.\n\nChannel 1: Okay.\n\nChannel 0: Because\n\nChannel 1: That's\n\nChannel 0: it\n\nChannel 1: good.\n\nChannel 0: is more than a few months away, you're gonna get a policy anniversary around end of financial year, letting you know what they've altered the policy to look like. Because you know how every year, prices increase, they change your cover amount a little bit.\n\nChannel 1: That's Yep.\n\nChannel 0: At the moment, let me just check what you've got. You've got TPD insurance. That's total disability for 741,489. So that's your lump sum. If you can never work again, that's pretty\n\nChannel 1: Yes.\n\nChannel 0: much what you get. That's still a solid 3,600, and it wouldn't surprise me if that was over $4 next anniversary. So I\n\nChannel 1: Yeah.\n\nChannel 0: need to be conscious of fees as well because if\n\nChannel 1: Yeah.\n\nChannel 0: that skyrockets while the market's going down, you're gonna get a bit of a double whammy on the way down.\n\nChannel 1: Well, that's why it'd be good to see that before that anniversary to then maybe look at what that really looks like to to see what that fee is\n\nChannel 0: Yeah.\n\nChannel 1: Try\n\nChannel 0: Absolutely.\n\nChannel 1: to accept me. So yeah.\n\nChannel 0: So what I'll do, because we don't have those figures until thirty to sixty days out, I'm gonna\n\nChannel 1: Yeah.\n\nChannel 0: put in an update discussion for Veronica to have a\n\nChannel 1: Yep.\n\nChannel 0: chat with you or myself around about May, early June. And as soon as we have those figures, we'll talk you through\n\nChannel 1: Yep.\n\nChannel 0: the price increase and whether we need to alter that, shop around, trim it down, whatever it needs to be. So at the moment, you're okay for me to just leave that alone for a couple of months?\n\nChannel 1: We can leave that alone. Yeah. I just couldn't remember\n\nChannel 0: Yep.\n\nChannel 1: when the anniversary to that was.\n\nChannel 0: Yep.\n\nChannel 1: Like, when\n\nChannel 0: Twentieth\n\nChannel 1: it was coming up.\n\nChannel 0: of July. So\n\nChannel 1: Yeah.\n\nChannel 0: that'll come through to you in the annual review pack as well. I\n\nChannel 1: Yeah.\n\nChannel 0: don't see any life insurance income protection trauma cover. It looks like just TPD at this point. Yeah. Yeah. That's it.\n\n741,000 of just lump sum TPD, so there's no life insurance or anything. When we have that updated chat around the insurances, do you want us to look at some quotes for, like, life insurance or something or leave that alone\n\nChannel 1: Yeah.\n\nChannel 0: for a while?\n\nChannel 1: No. We need to look at that too.\n\nChannel 0: Okay. Do you want me to look at that now, or are you happy to wait until June?\n\nChannel 1: We we can do all that. Actually, no. Probably start looking at that sooner than later.\n\nChannel 0: Sooner rather than later. Okay. So do you want me\n\nChannel 1: I\n\nChannel 0: to\n\nChannel 1: only\n\nChannel 0: at\n\nChannel 1: I\n\nChannel 0: least\n\nChannel 1: only\n\nChannel 0: get\n\nChannel 1: said\n\nChannel 0: a\n\nChannel 1: that I only said\n\nChannel 0: sorry.\n\nChannel 1: that because I'm in an age where I have friends at my age, like, in mid fifties who are no longer with me. So yeah.\n\nChannel 0: Yeah. The other thing too, your birthday is June 27, isn't it? K. So if you don't get anything in place before then, the next birthday, you get\n\nChannel 1: Correct.\n\nChannel 0: that increased price,\n\nChannel 1: Yes.\n\nChannel 0: and that's set for a year. So if we get it done before then, at least you've got that price locked in a little bit earlier.\n\nChannel 1: Yep. I\n\nChannel 0: Let me just have a quick look here. So\n\nChannel 1: thought that was actually part of it with the the thing from Talbot, obviously, not.\n\nChannel 0: normally, you can get them both linked together, and it's pretty cheap to have them both combined with a life and TPD insurance is shared. And then you've\n\nChannel 1: Yeah.\n\nChannel 0: got something called like a buyback. So if you claim on your disability, it depletes your life insurance, but then for, like, $20 a month, you can fill it back up again.\n\nChannel 1: Yep.\n\nChannel 0: So do you want me to just look at a bit of a quote for, like, an equal amount of life insurance to the TPD?\n\nChannel 1: Yes, please.\n\nChannel 0: K. So I'll do that with Tau. I will just do my normal check where we just attack the software and see if there's any other providers out there that are more appropriate or offering\n\nChannel 1: Yep.\n\nChannel 0: a better deal. If we're gonna do that, can I just check with you as well\n\nChannel 1: Sure.\n\nChannel 0: health wise? The\n\nChannel 1: Yep.\n\nChannel 0: the high blood pressure, is that still been pretty well maintained with the medication?\n\nChannel 1: Absolutely.\n\nChannel 0: Cool. So normal ratings and everything like that?\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Has anything else happened to you in the last three, six, nine months? Any new diagnosis or injuries or illnesses?\n\nChannel 1: Nope.\n\nChannel 0: Perfect.\n\nChannel 1: Kelsey at the gym three, four days a week. So yeah.\n\nChannel 0: Perfect. One thing we can do if you're comfortable is we can do a pre assessment where we'll go through those medical questions anonymously,\n\nChannel 1: Yep.\n\nChannel 0: and then we can shoot that out to the insurers and see if anything will be an issue.\n\nChannel 1: Mhmm.\n\nChannel 0: That can save us a bit of an issue than just submitting an application if you wanna do that.\n\nChannel 1: Yep. That that's fine.\n\nChannel 0: Cool. Can I just get from you updated height and weight as well? I just wanna double check BMI your a\n\nChannel 1: Yeah.\n\nChannel 0: hundred and eighty two centimeters.\n\nChannel 1: Probably one eighty one. I think that's shrunken here.\n\nChannel 0: Yeah. No. That's fair. We all do. And what about weight in kilos or pounds, whatever you're used to?\n\nChannel 1: Yeah. Yeah. Killers. One fee.\n\nChannel 0: $1.20. Thank you for that.\n\nChannel 1: It'll give you a bit higher than that. $35.36, something like that.\n\nChannel 0: Okay. Let me just have a little look at the calculator because I know TAL's got discounts for a certain range, and some providers are better than others. TAL has a very lenient range.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: even people like 40, 42, they they still offer cover. I just wanna avoid some, like, loadings because they can increase\n\nChannel 1: Yes.\n\nChannel 0: your price by 50 to a 100%, and the last thing you need is $10 coming out. Alright. Plug this in. Alright. 36.6.\n\nSo we're a little bit on the borderline side, but TEL is still usually the best for that. Maybe a bit of a loading. So what I'll do is I'll get a bit of a quote drawn up while I go through this portfolio update with you. Do you have, like, twenty minutes or so that I can book you in to go through those medical questions with the team?\n\nChannel 1: Mhmm. Probably not today.\n\nChannel 0: Absolutely not today. More just any day that sort of suits you. We do have some late nights available and things like that.\n\nChannel 1: You can probably do tomorrow afternoon.\n\nChannel 0: Tomorrow afternoon could do. Are you guys still on daylight savings for, like, a week?\n\nChannel 1: We are until this weekend.\n\nChannel 0: Oh, no.\n\nChannel 1: I finished\n\nChannel 0: Alright.\n\nChannel 1: this weekend.\n\nChannel 0: Perfect. So I'll I'll take into account that hour difference when I book in. What's a good time tomorrow afternoon for you?\n\nChannel 1: Probably somewhere around two 02:30.\n\nChannel 0: Yep. 02:30.\n\nChannel 1: And you said it only takes about half an hour? Twenty\n\nChannel 0: Yeah.\n\nChannel 1: minutes.\n\nChannel 0: Yeah. It's just running through those those health questions. We've already got most of the info,\n\nChannel 1: Yeah.\n\nChannel 0: and I'll tell the team to keep it nice and short and sweet for you. So 02:30 your time. That's 01:30 Queensland time. What I'll do is I'll get the team to send you a bit of a heads up text. We should have someone available then.\n\nIf not, we'll let you know straight away. Perfect. Alright. Now beyond that, mate, we've gone through a few things today. I'll give you the usual reminders for sorting out the will and the power of attorney when I give you that\n\nChannel 1: Yes.\n\nChannel 0: updated advice document. I mean, if you're comfortable with it, you don't have to go to a solicitor. You can talk to the public trustee of New South Wales, you know, the court the courtrooms,\n\nChannel 1: Yep.\n\nChannel 0: do wills as well. Post office, there's $25 will kits if you're that way inclined. And if there's any info you want on estate planning, more than happy to talk you through it as well.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: Cool. And because all the kids are\n\nChannel 1: Yep.\n\nChannel 0: over 18, it's it's pretty standard. Right? Your partner receives the super at the moment and the life insurance when we put that in place, and then eventually, it filters down to the adult children.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Perfect. Alrighty, mate. Any questions for me at this point?\n\nChannel 1: Not really. Your your fees as a whole, are they calculated based on what you do in a in a month? Is it based on what my balance is? How does that work?\n\nChannel 0: So it's based on a percentage of the balance. So as the balance goes up or goes down, the fees are paid sort of monthly because, obviously, one year lump sum, that's a bit extreme. Spread it out through the year to minimize the impact. So it's 1.65% for the year\n\nChannel 1: Yep.\n\nChannel 0: split into\n\nChannel 1: Yep.\n\nChannel 0: the\n\nChannel 1: Yep.\n\nChannel 0: monthlies. And then as the balance fluctuates, it just follows it on a monthly basis. Once you get to 600,000, it does flatline. There is a cap because we do have those clients, 1,000,000, 2,000,000, 3,000,000\n\nChannel 1: Yep.\n\nChannel 0: dollars. Again,\n\nChannel 1: Yep.\n\nChannel 0: we're good at what we do on this side, but $30 is is probably a bit high. So the caps when you hit 600,000, and, yes, it follows up and down monthly.\n\nChannel 1: Yep. Okay. Because\n\nChannel 0: K.\n\nChannel 1: even\n\nChannel 0: So\n\nChannel 1: though it's\n\nChannel 0: that's\n\nChannel 1: the reason I ask is even though it's dropped, like, 10%, it looked as though your fees have actually gone up. Like, I've actually\n\nChannel 0: Really?\n\nChannel 1: paid more in a month where it had gone down than a month where it had gone up.\n\nChannel 0: I'm gonna have a look at that because that's that should not be the case. It should be pretty well pegged alongside it. Let me just have a quick little look. And thank you for raising that. Let me just have a look at your transaction history, make sure there's nothing crazy going on.\n\nI've got contributions coming in from Grace Removals. Fantastic. When is the last adviser fees we had? March 4, March and then April. So it dropped about $50 for the month between February and March.\n\nChannel 1: I don't know why.\n\nChannel 0: Yeah.\n\nChannel 1: I must have seen something. It just it didn't look right.\n\nChannel 0: Don't know if maybe you're thinking of\n\nChannel 1: Maybe it\n\nChannel 0: I\n\nChannel 1: just\n\nChannel 0: mean,\n\nChannel 1: didn't.\n\nChannel 0: there's obviously the hub\n\nChannel 1: Yes.\n\nChannel 0: fees as well that come out, but then you've got the rebate comes in as well, and then the tax liabilities from the contributions and and growth comes out of it as well. One of the things that I've got to do too is when we update your plan and we give you some updated projections is we'll\n\nChannel 1: Yes.\n\nChannel 0: factor in taxes, fees, and insurance premiums just so we can take all that into account as well,\n\nChannel 1: Yes.\n\nChannel 0: Make sure we're still getting you into a better position when all is said and done. Alright, Jason. I wanna check with you as well because we're gonna have a bit of a catch up towards June, July, and we've got a\n\nChannel 1: Mhmm.\n\nChannel 0: few things to do. Do you want me to kind of just set you up for a bit of a quarterly contact this year, or or once this first half of the year is done, would you prefer to kind of let that go for six months?\n\nChannel 1: I think quarterly probably could just to explore for the of how things are changing so rapidly.\n\nChannel 0: Yep. Yeah. Yep. Absolutely. So we've had that chat today.\n\nI'll go through that updated advice document with you once I've got the quotes and research done for the portfolio, and then we'll have a bit of a chat around May, early June for the changes\n\nChannel 1: Yes.\n\nChannel 0: in the TPD insurance. And then after that, we can pretty much roll on, you know, August, September, Christmas after that.\n\nChannel 1: Mhmm. Yeah. No. That\n\nChannel 0: Cool.\n\nChannel 1: sounds good.\n\nChannel 0: Easy. Now I do have to ask you all important question. Are you still comfortable for us to look after the super at this point for this\n\nChannel 1: Yes.\n\nChannel 0: year? Yep. So I'll send you through that annual review pack to your email. It has a summary of the super insurance just to let you know, like, what accounts you've got, balances\n\nChannel 1: Yes.\n\nChannel 0: based on the day. You've got your portfolio performance. You've got financial services guide with us because we do update licensing details every year. All of your consumer protections are in that one. We've got some pretty in-depth reports for your super.\n\nBit of a Vanguard chart if you're curious about how the markets go. Your certificate of currency for\n\nChannel 1: Yep.\n\nChannel 0: the TPD insurance, not that something's gonna happen, but if you if something does happen and you do need a claim on that towel insurance, you can\n\nChannel 1: Yes.\n\nChannel 0: give us a call, and we'll help you through the claims process. And\n\nChannel 1: Oh.\n\nChannel 0: we do do a lot of, you know, disability advice. Someone who's been in a car accident can never work again. Here's a million dollars. How do you make it last? So\n\nChannel 1: Yep.\n\nChannel 0: we're available for the claims and what to do with it afterwards. And I'm just looking through the documents. There should also be one other one I wanted to run by you is a like, it should be like a tax file number declaration. We're trying to be careful with housing people's sensitive information. So\n\nChannel 1: Yes.\n\nChannel 0: usually, we keep your tax phone number on just the one document now and just need to make sure you we've got your consent to utilize it at the time.\n\nChannel 1: You should have it.\n\nChannel 0: Yep. I think we've already got it. I was just scrolling through the pack, and it's not in there at the moment. So I think we already have it in place.\n\nChannel 1: Yeah. I'm\n\nChannel 0: Cool.\n\nChannel 1: very surprised that that's in from tell that it's not life insurance because that was originally what I asked for.\n\nChannel 0: Okay. One thing I'll do when I go to get the quotes is I'm just gonna scroll back through your file and find out how you just got TPD policy in place.\n\nChannel 1: Yep.\n\nChannel 0: I'll I'll kind of go through the history a little bit and see what I can find. Awesome. Email address, the y seven mail for you, Jason Mall.\n\nChannel 1: That's fine.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: That's okay. Alright. I'll pop that through to you shortly. If you have any questions, let me know. The team will be in touch in a few weeks just to get you booked in to go through that updated advice document.\n\nChannel 1: Yeah. Alright. Fabulous.\n\nChannel 0: Awesome, Jason. Anything else I can help you with, mate?\n\nChannel 1: Mate, no. Appreciate your time this afternoon.\n\nChannel 0: You too. I appreciate you jumping from call to call. And we have just kept it to twenty eight minutes, so right on time.\n\nChannel 1: Awesome. I'm about to jump into another Teams meeting, so that worked well.\n\nChannel 0: No worries at all, mate. I'll talk to you soon, mate.\n\nChannel 1: Thank you so much. Cheers.\n\nChannel 0: Thank\n\nChannel 1: Bye.\n\nChannel 0: you. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":2.0,"end":2.32,"sentiment":"neutral","sentiment_score":0.04583887755870819},{"text":"You've reached Jason.","start":2.32,"end":3.46,"sentiment":"neutral","sentiment_score":0.0324954887231191},{"text":"Sorry I can't take your call.","start":3.52,"end":5.22,"sentiment":"neutral","sentiment_score":-0.23088603963454565},{"text":"Please leave a name, short message, and contact number, and I'll get back to you shortly.","start":5.52,"end":10.9,"sentiment":"neutral","sentiment_score":-0.06990868644788861}],"sentiment":"neutral","sentiment_score":-0.09078961066328563,"channel":1,"num_words":26,"start":2.0,"end":10.9},{"sentences":[{"text":"Hi, Jason.","start":13.215,"end":14.015,"sentiment":"neutral","sentiment_score":0.08873578533530235},{"text":"It's Tommy here, senior adviser from Oakview Financial.","start":14.015,"end":16.915,"sentiment":"neutral","sentiment_score":0.13394673354923725},{"text":"Just giving you a call to go through that annual review and discuss your superannuation.","start":17.055,"end":20.595001,"sentiment":"neutral","sentiment_score":0.20693838695685068},{"text":"Our number is 130160796.","start":21.215,"end":24.69,"sentiment":"neutral","sentiment_score":0.07322307117283344},{"text":"Mate, if you're still available, please give us a call.","start":24.85,"end":27.01,"sentiment":"neutral","sentiment_score":0.054390023462474346}],"sentiment":"neutral","sentiment_score":0.13307471186495745,"channel":0,"num_words":39,"start":13.215,"end":27.01},{"sentences":[{"text":"I'll send you a text now and hopefully talk to you soon.","start":27.01,"end":29.75,"sentiment":"neutral","sentiment_score":0.1182714415093263}],"sentiment":"neutral","sentiment_score":0.1182714415093263,"channel":0,"num_words":12,"start":27.01,"end":29.75},{"sentences":[{"text":"Hi.","start":30.58,"end":31.06,"sentiment":"neutral","sentiment_score":0.12063097208738328},{"text":"You there?","start":31.06,"end":31.72,"sentiment":"neutral","sentiment_score":0.10867905989289284}],"sentiment":"neutral","sentiment_score":0.11266303062438965,"channel":1,"num_words":3,"start":30.58,"end":31.72},{"sentences":[{"text":"Jason, how are you doing?","start":32.13,"end":33.35,"sentiment":"neutral","sentiment_score":0.21436053812503814}],"sentiment":"neutral","sentiment_score":0.21436053812503814,"channel":0,"num_words":5,"start":32.13,"end":33.35},{"sentences":[{"text":"Yeah.","start":33.3,"end":33.54,"sentiment":"neutral","sentiment_score":0.18026889860630035},{"text":"Good.","start":33.54,"end":33.94,"sentiment":"neutral","sentiment_score":0.3041975498199463},{"text":"Hi.","start":33.94,"end":34.26,"sentiment":"neutral","sentiment_score":0.05938122421503067},{"text":"Sorry.","start":34.26,"end":34.739998,"sentiment":"neutral","sentiment_score":-0.05416112020611763},{"text":"I was just on another finishing on another call.","start":34.739998,"end":37.059998,"sentiment":"neutral","sentiment_score":-0.15733910517560112}],"sentiment":"neutral","sentiment_score":-0.07125887647271156,"channel":1,"num_words":13,"start":33.3,"end":37.059998},{"sentences":[{"text":"Because I got a message earlier that Maddie's not available today or whoever I was supposed to talk to.","start":37.059998,"end":42.675,"sentiment":"neutral","sentiment_score":-0.19937891630749954}],"sentiment":"neutral","sentiment_score":-0.19937891630749954,"channel":1,"num_words":19,"start":37.059998,"end":42.675},{"sentences":[{"text":"Yeah.","start":43.105003,"end":43.585003,"sentiment":"neutral","sentiment_score":-0.11144264787435532},{"text":"Veronica's going home sick, so I wanted to sort of jump in and have a chat to you.","start":43.585003,"end":47.985,"sentiment":"neutral","sentiment_score":-0.09608366630143589},{"text":"I'm one of the senior advisers here.","start":47.985,"end":49.765,"sentiment":"neutral","sentiment_score":0.01610046678355762}],"sentiment":"neutral","sentiment_score":-0.06647097591597301,"channel":0,"num_words":26,"start":43.105003,"end":49.765},{"sentences":[{"text":"Yeah.","start":49.954998,"end":50.195,"sentiment":"neutral","sentiment_score":0.09839870035648346},{"text":"Cool.","start":50.195,"end":50.695,"sentiment":"neutral","sentiment_score":0.1947650611400604}],"sentiment":"neutral","sentiment_score":0.14658188074827194,"channel":1,"num_words":2,"start":49.954998,"end":50.695},{"sentences":[{"text":"Mate, do you still have a bit of time to go through that annual review with me?","start":51.21,"end":54.75,"sentiment":"neutral","sentiment_score":0.12290047678877325}],"sentiment":"neutral","sentiment_score":0.12290047678877325,"channel":0,"num_words":17,"start":51.21,"end":54.75},{"sentences":[{"text":"I do.","start":54.915,"end":55.315,"sentiment":"neutral","sentiment_score":0.13162581622600555},{"text":"I've got about half an hour.","start":55.315,"end":56.7,"sentiment":"neutral","sentiment_score":0.11908550312121709}],"sentiment":"neutral","sentiment_score":0.12222058139741421,"channel":1,"num_words":8,"start":54.915,"end":56.7},{"sentences":[{"text":"Half an hour is perfect.","start":57.05,"end":58.25,"sentiment":"positive","sentiment_score":0.3816477179527283},{"text":"If you feel like it's running a little bit too close to the line, just let me know.","start":58.25,"end":61.77,"sentiment":"neutral","sentiment_score":0.03776938964923223},{"text":"Okay?","start":61.77,"end":62.27,"sentiment":"neutral","sentiment_score":0.08776117861270905}],"sentiment":"neutral","sentiment_score":0.11149369925260544,"channel":0,"num_words":24,"start":57.05,"end":62.27},{"sentences":[{"text":"Yep.","start":62.7,"end":62.940002,"sentiment":"neutral","sentiment_score":0.11665599048137663},{"text":"Will do.","start":62.940002,"end":63.68,"sentiment":"neutral","sentiment_score":0.19697795808315277}],"sentiment":"neutral","sentiment_score":0.17020396888256073,"channel":1,"num_words":3,"start":62.7,"end":63.68},{"sentences":[{"text":"Perfect.","start":63.935,"end":64.415,"sentiment":"positive","sentiment_score":0.3695085644721985},{"text":"And just before I jump into it, are you okay for the call to be recorded?","start":64.415,"end":68.195,"sentiment":"neutral","sentiment_score":0.07724640658125281}],"sentiment":"neutral","sentiment_score":0.09443829822189667,"channel":0,"num_words":17,"start":63.935,"end":68.195},{"sentences":[{"text":"That's fine.","start":68.7,"end":69.520004,"sentiment":"neutral","sentiment_score":0.18855606764554977}],"sentiment":"neutral","sentiment_score":0.18855606764554977,"channel":1,"num_words":2,"start":68.7,"end":69.520004},{"sentences":[{"text":"Awesome.","start":69.775,"end":70.095,"sentiment":"positive","sentiment_score":0.3438122272491455},{"text":"And just for security of your account, do you recall your client password with us?","start":70.095,"end":74.195,"sentiment":"neutral","sentiment_score":0.07097642247875531}],"sentiment":"neutral","sentiment_score":0.0880286602769047,"channel":0,"num_words":16,"start":69.775,"end":74.195},{"sentences":[{"text":"No.","start":75.674995,"end":75.91499,"sentiment":"neutral","sentiment_score":-0.04886757582426071},{"text":"It could be RooftaRoofta, something like","start":75.91499,"end":77.91499,"sentiment":"neutral","sentiment_score":-0.009670690012474855}],"sentiment":"neutral","sentiment_score":-0.015270245128444262,"channel":1,"num_words":7,"start":75.674995,"end":77.91499},{"sentences":[{"text":"It","start":77.71,"end":78.11,"sentiment":"neutral","sentiment_score":-0.00703217089176178}],"sentiment":"neutral","sentiment_score":-0.00703217089176178,"channel":0,"num_words":1,"start":77.71,"end":78.11},{"sentences":[{"text":"that.","start":77.91499,"end":78.41499,"sentiment":"neutral","sentiment_score":0.007029054686427116}],"sentiment":"neutral","sentiment_score":0.007029054686427116,"channel":1,"num_words":1,"start":77.91499,"end":78.41499},{"sentences":[{"text":"is there's a prompt here for second child's middle 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correct?","start":324.87,"end":325.93,"sentiment":"neutral","sentiment_score":0.08663057287534077}],"sentiment":"neutral","sentiment_score":0.10740912677003787,"channel":0,"num_words":26,"start":318.14502,"end":325.93},{"sentences":[{"text":"Correct.","start":326.695,"end":327.195,"sentiment":"neutral","sentiment_score":0.14760427176952362}],"sentiment":"neutral","sentiment_score":0.14760427176952362,"channel":1,"num_words":1,"start":326.695,"end":327.195},{"sentences":[{"text":"Beautiful.","start":328.22998,"end":328.72998,"sentiment":"positive","sentiment_score":0.3364459276199341},{"text":"Okay.","start":328.78998,"end":329.28998,"sentiment":"neutral","sentiment_score":0.10672978311777116},{"text":"So just diving into the super, you've obviously been have you logged into Hub?","start":329.34998,"end":333.03,"sentiment":"neutral","sentiment_score":0.049266488291323185},{"text":"Have you had a little look at the balance fluctuating, all that kind of 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October.","start":361.21,"end":366.19,"sentiment":"neutral","sentiment_score":-0.23523856072049393},{"text":"Yeah.","start":366.73,"end":367.23,"sentiment":"neutral","sentiment_score":0.045759737491607666}],"sentiment":"neutral","sentiment_score":-0.22118864580988884,"channel":1,"num_words":20,"start":361.21,"end":367.23},{"sentences":[{"text":"Correct.","start":368.355,"end":368.855,"sentiment":"neutral","sentiment_score":0.06596901267766953},{"text":"Correct.","start":368.915,"end":369.315,"sentiment":"neutral","sentiment_score":0.0690654069185257},{"text":"Now going into risk profile categories, so I just wanna start there for a moment.","start":369.315,"end":374.21503,"sentiment":"neutral","sentiment_score":0.040313297013441725},{"text":"You're in essentially what's called a balanced growth.","start":374.595,"end":377.34,"sentiment":"neutral","sentiment_score":0.06717490497976542},{"text":"So the way I see it when I look at your super is you're kind of like a 3.5 out of 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right.","start":394.64,"end":395.7,"sentiment":"neutral","sentiment_score":0.1510369429985682}],"sentiment":"neutral","sentiment_score":0.1510369429985682,"channel":1,"num_words":3,"start":394.64,"end":395.7},{"sentences":[{"text":"Yep.","start":395.965,"end":396.445,"sentiment":"neutral","sentiment_score":0.2152203768491745},{"text":"So when you're in that balanced growth, you're aiming for around about, say, 75% in growth assets.","start":396.445,"end":403.185,"sentiment":"neutral","sentiment_score":0.240304378025672},{"text":"Shares,","start":403.405,"end":403.885,"sentiment":"neutral","sentiment_score":0.303129643201828}],"sentiment":"neutral","sentiment_score":0.2422907603414435,"channel":0,"num_words":19,"start":395.965,"end":403.885},{"sentences":[{"text":"Yep.","start":403.84,"end":404.34,"sentiment":"neutral","sentiment_score":0.30263805389404297}],"sentiment":"neutral","sentiment_score":0.30263805389404297,"channel":1,"num_words":1,"start":403.84,"end":404.34},{"sentences":[{"text":"property, and gold, a quarter of your super should be in something pretty safe that can get you a nice safe return.","start":403.885,"end":410.1,"sentiment":"positive","sentiment_score":0.35262578319419513},{"text":"That's kind of the balancing act.","start":410.4,"end":412.0,"sentiment":"neutral","sentiment_score":0.23165762921174368},{"text":"Does that make 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expected","start":422.73502,"end":423.695,"sentiment":"neutral","sentiment_score":-0.00014741532504558563}],"sentiment":"neutral","sentiment_score":0.0014913451046712936,"channel":0,"num_words":31,"start":414.56,"end":423.695},{"sentences":[{"text":"Yep.","start":423.41,"end":423.91,"sentiment":"neutral","sentiment_score":0.03236406669020653}],"sentiment":"neutral","sentiment_score":0.03236406669020653,"channel":1,"num_words":1,"start":423.41,"end":423.91},{"sentences":[{"text":"it to be around about 7%.","start":423.695,"end":425.475,"sentiment":"neutral","sentiment_score":0.04645419244964918}],"sentiment":"neutral","sentiment_score":0.04645419244964918,"channel":0,"num_words":6,"start":423.695,"end":425.475},{"sentences":[{"text":"Yep.","start":426.21,"end":426.71,"sentiment":"neutral","sentiment_score":0.06411880254745483}],"sentiment":"neutral","sentiment_score":0.06411880254745483,"channel":1,"num_words":1,"start":426.21,"end":426.71},{"sentences":[{"text":"So that's kind of giving me flag number one.","start":427.05502,"end":429.39,"sentiment":"neutral","sentiment_score":0.0815351733730899},{"text":"Flag number two, can you ever see the investment options that you have?","start":429.55002,"end":433.07,"sentiment":"neutral","sentiment_score":0.05656729094111002},{"text":"Have you ever looked at the seven or eight options that we've got you in?","start":433.07,"end":436.13,"sentiment":"neutral","sentiment_score":0.03679439847668012}],"sentiment":"neutral","sentiment_score":0.05462452215520111,"channel":0,"num_words":37,"start":427.05502,"end":436.13},{"sentences":[{"text":"I have.","start":436.465,"end":436.945,"sentiment":"neutral","sentiment_score":0.013423640746623278},{"text":"I've looked at what the I call it the circle of life.","start":436.945,"end":439.765,"sentiment":"neutral","sentiment_score":0.03326055919751525},{"text":"And yeah.","start":440.225,"end":441.845,"sentiment":"neutral","sentiment_score":0.07042917236685753}],"sentiment":"neutral","sentiment_score":0.03542702103732154,"channel":1,"num_words":16,"start":436.465,"end":441.845},{"sentences":[{"text":"Yep.","start":442.19,"end":442.69,"sentiment":"neutral","sentiment_score":0.09145822376012802},{"text":"The one I'm pointing at here, I'm hoping you've seen it, is Ben Long Australian Equities.","start":443.95502,"end":448.835,"sentiment":"neutral","sentiment_score":0.0718149309977889},{"text":"Have you seen that?","start":448.835,"end":449.89502,"sentiment":"neutral","sentiment_score":0.046079219318926334}],"sentiment":"neutral","sentiment_score":0.06784828557145028,"channel":0,"num_words":21,"start":442.19,"end":449.89502},{"sentences":[{"text":"Yeah.","start":450.47,"end":450.63,"sentiment":"neutral","sentiment_score":0.06203707307577133},{"text":"I haven't gone into a lot of detail on it, but, yeah, I have","start":450.63,"end":454.07,"sentiment":"neutral","sentiment_score":0.04571960972888129}],"sentiment":"neutral","sentiment_score":0.04680744061867396,"channel":1,"num_words":15,"start":450.47,"end":454.07},{"sentences":[{"text":"Yep.","start":454.035,"end":454.535,"sentiment":"neutral","sentiment_score":0.10221049189567566}],"sentiment":"neutral","sentiment_score":0.10221049189567566,"channel":0,"num_words":1,"start":454.035,"end":454.535},{"sentences":[{"text":"seen it.","start":454.07,"end":454.81003,"sentiment":"neutral","sentiment_score":0.11875086277723312}],"sentiment":"neutral","sentiment_score":0.11875086277723312,"channel":1,"num_words":2,"start":454.07,"end":454.81003},{"sentences":[{"text":"Cool.","start":455.25,"end":455.72998,"sentiment":"positive","sentiment_score":0.45860058069229126},{"text":"So what I can basically see here is that most of the options have done pretty 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see in that Benelon option is your Australian shares have kind of dropped a little bit faster than what the Australian market has done.","start":474.185,"end":483.03,"sentiment":"neutral","sentiment_score":-0.3162915916354568},{"text":"So there's around about 21% of your super in Australian shares, and it's going down a little bit quicker than the Aussie market is, if that makes sense.","start":483.75,"end":494.65,"sentiment":"neutral","sentiment_score":-0.23731295844273909}],"sentiment":"neutral","sentiment_score":-0.24797042179852724,"channel":0,"num_words":61,"start":472.185,"end":494.65},{"sentences":[{"text":"Yeah.","start":495.245,"end":495.48502,"sentiment":"neutral","sentiment_score":0.17938445508480072},{"text":"I think that's been that's been really nice about it.","start":495.48502,"end":498.045,"sentiment":"positive","sentiment_score":0.4620085805654526},{"text":"So yeah.","start":498.045,"end":499.435,"sentiment":"neutral","sentiment_score":0.17752762883901596}],"sentiment":"positive","sentiment_score":0.3965019629551814,"channel":1,"num_words":13,"start":495.245,"end":499.435},{"sentences":[{"text":"Yep.","start":499.52502,"end":500.02502,"sentiment":"neutral","sentiment_score":0.19940185546875},{"text":"Absolutely.","start":500.08502,"end":500.58502,"sentiment":"neutral","sentiment_score":0.20676890015602112},{"text":"To be perfectly honest, this Bennelong Fund was top five Australian shares manager three, four years ago across the whole country.","start":502.005,"end":510.71,"sentiment":"neutral","sentiment_score":0.1183634992866289},{"text":"They won all the awards, did all the fancy stuff, and then they've seemingly in the last twelve to eighteen months split off from the pack completely, and they've just been dropping, dropping faster than everybody else, which is a concern of mine.","start":511.09,"end":524.465,"sentiment":"neutral","sentiment_score":-0.16135768904242404},{"text":"So I think that's what's causing the extra little bit of risk than what we would expect.","start":524.465,"end":529.925,"sentiment":"negative","sentiment_score":-0.35594917483189525}],"sentiment":"neutral","sentiment_score":-0.12165918506412621,"channel":0,"num_words":83,"start":499.52502,"end":529.925},{"sentences":[{"text":"So that 7% combined up to the 10% is pretty much all down to that one option.","start":530.065,"end":535.28503,"sentiment":"neutral","sentiment_score":-0.21289707457318024}],"sentiment":"neutral","sentiment_score":-0.21289707457318024,"channel":0,"num_words":17,"start":530.065,"end":535.28503},{"sentences":[{"text":"Yeah.","start":536.125,"end":536.61,"sentiment":"neutral","sentiment_score":-0.09194619953632356}],"sentiment":"neutral","sentiment_score":-0.09194619953632356,"channel":1,"num_words":1,"start":536.125,"end":536.61},{"sentences":[{"text":"So we 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okay.","start":555.825,"end":559.765,"sentiment":"neutral","sentiment_score":0.03990894501261851}],"sentiment":"neutral","sentiment_score":0.03990894501261851,"channel":0,"num_words":17,"start":555.825,"end":559.765},{"sentences":[{"text":"Mhmm.","start":560.185,"end":560.685,"sentiment":"neutral","sentiment_score":0.01769654080271721}],"sentiment":"neutral","sentiment_score":0.01769654080271721,"channel":1,"num_words":1,"start":560.185,"end":560.685},{"sentences":[{"text":"So you've got two main styles.","start":561.68,"end":563.44,"sentiment":"neutral","sentiment_score":0.03318855601052443},{"text":"You've got active and passive.","start":563.44,"end":564.9,"sentiment":"neutral","sentiment_score":0.047933167219161986},{"text":"Passive","start":565.36,"end":565.76,"sentiment":"neutral","sentiment_score":0.05684160441160202}],"sentiment":"neutral","sentiment_score":0.04130323138087988,"channel":0,"num_words":12,"start":561.68,"end":565.76},{"sentences":[{"text":"Yep.","start":565.625,"end":565.92,"sentiment":"neutral","sentiment_score":0.05243142694234848}],"sentiment":"neutral","sentiment_score":0.05243142694234848,"channel":1,"num_words":1,"start":565.625,"end":565.92},{"sentences":[{"text":"is more low fee index funds that follows the market very closely, very low investment fees, but you get the return of the market.","start":565.76,"end":573.3,"sentiment":"neutral","sentiment_score":0.09374680727099378},{"text":"The active side, you pay a little bit higher fees.","start":573.805,"end":576.365,"sentiment":"neutral","sentiment_score":0.07372624948620796},{"text":"They try and pick and choose stocks, try and get a better return than the market.","start":576.365,"end":580.865,"sentiment":"neutral","sentiment_score":0.11048349365592003},{"text":"Which way does your sort of gut feeling pull you towards?","start":581.085,"end":583.825,"sentiment":"neutral","sentiment_score":0.05194344202225858}],"sentiment":"neutral","sentiment_score":0.08731638737877861,"channel":0,"num_words":61,"start":565.76,"end":583.825},{"sentences":[{"text":"Right now, passive.","start":585.005,"end":586.305,"sentiment":"neutral","sentiment_score":0.0627923955519994}],"sentiment":"neutral","sentiment_score":0.0627923955519994,"channel":1,"num_words":3,"start":585.005,"end":586.305},{"sentences":[{"text":"Yep.","start":587.23,"end":587.73,"sentiment":"neutral","sentiment_score":0.14776238799095154},{"text":"Easy done.","start":587.87,"end":588.77,"sentiment":"positive","sentiment_score":0.35498370230197906},{"text":"I do have some good active and passive replacements for this one option.","start":589.31,"end":593.33,"sentiment":"neutral","sentiment_score":0.2666417480661319}],"sentiment":"neutral","sentiment_score":0.270254532340914,"channel":0,"num_words":16,"start":587.23,"end":593.33},{"sentences":[{"text":"Yep.","start":593.885,"end":594.385,"sentiment":"neutral","sentiment_score":0.2499547302722931}],"sentiment":"neutral","sentiment_score":0.2499547302722931,"channel":1,"num_words":1,"start":593.885,"end":594.385},{"sentences":[{"text":"So I'm more than happy to go low fees, replace that one, get it a bit more in line with the Aussie market, And then I'm gonna do a bit of a deep dive with the team to see if there's any other risks that we're not seeing that may cause some big drops in your fund this year.","start":593.95,"end":611.15497,"sentiment":"neutral","sentiment_score":0.3015811927616596}],"sentiment":"neutral","sentiment_score":0.3015811927616596,"channel":0,"num_words":59,"start":593.95,"end":611.15497},{"sentences":[{"text":"Okay.","start":612.71497,"end":613.21497,"sentiment":"neutral","sentiment_score":0.08037392795085907}],"sentiment":"neutral","sentiment_score":0.08037392795085907,"channel":1,"num_words":1,"start":612.71497,"end":613.21497},{"sentences":[{"text":"Because what I wanna do is I wanna make sure that the risk level that you're in is what you would expect.","start":613.15,"end":618.69,"sentiment":"neutral","sentiment_score":0.10128735429184003},{"text":"So in a balanced growth, in a single year, it could go up ten, fifteen, 18%, or it could drop, say, seven to 15 if we had a big crash like a GFC, COVID, that kind of thing.","start":618.83,"end":632.455,"sentiment":"neutral","sentiment_score":-0.06646956083491923}],"sentiment":"neutral","sentiment_score":-0.004958691955107497,"channel":0,"num_words":60,"start":613.15,"end":632.455},{"sentences":[{"text":"Yep.","start":632.82,"end":633.32,"sentiment":"neutral","sentiment_score":0.1494174748659134}],"sentiment":"neutral","sentiment_score":0.1494174748659134,"channel":1,"num_words":1,"start":632.82,"end":633.32},{"sentences":[{"text":"So to see that 10 very quickly, that's yeah.","start":633.79504,"end":637.55505,"sentiment":"neutral","sentiment_score":0.2569974925782945},{"text":"That's a bit high.","start":637.55505,"end":638.43506,"sentiment":"positive","sentiment_score":0.3982745260000229},{"text":"That's a bit high.","start":638.43506,"end":639.42,"sentiment":"neutral","sentiment_score":0.28393761068582535}],"sentiment":"neutral","sentiment_score":0.29657799882047314,"channel":0,"num_words":17,"start":633.79504,"end":639.42},{"sentences":[{"text":"Alright.","start":641.34503,"end":641.745,"sentiment":"neutral","sentiment_score":0.1623740196228027},{"text":"With what","start":641.745,"end":642.145,"sentiment":"neutral","sentiment_score":0.10806412994861603}],"sentiment":"neutral","sentiment_score":0.12616742650667825,"channel":1,"num_words":3,"start":641.34503,"end":642.145},{"sentences":[{"text":"Yep.","start":641.98,"end":642.48,"sentiment":"neutral","sentiment_score":0.10999952256679536}],"sentiment":"neutral","sentiment_score":0.10999952256679536,"channel":0,"num_words":1,"start":641.98,"end":642.48},{"sentences":[{"text":"I've seen happen with the markets, if it would have gone down 5%, 6%, I probably wouldn't have worried as much.","start":642.145,"end":649.83,"sentiment":"neutral","sentiment_score":0.05377902711431185}],"sentiment":"neutral","sentiment_score":0.05377902711431185,"channel":1,"num_words":21,"start":642.145,"end":649.83},{"sentences":[{"text":"Yeah.","start":650.62,"end":651.12,"sentiment":"neutral","sentiment_score":0.05016252398490906}],"sentiment":"neutral","sentiment_score":0.05016252398490906,"channel":0,"num_words":1,"start":650.62,"end":651.12},{"sentences":[{"text":"But yeah.","start":651.09,"end":651.75,"sentiment":"neutral","sentiment_score":0.04461832158267498},{"text":"Especially when there's still contributions going in and then it's still going 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wow.","start":659.55505,"end":661.575,"sentiment":"neutral","sentiment_score":0.22116189822554588}],"sentiment":"neutral","sentiment_score":0.22116189822554588,"channel":1,"num_words":4,"start":659.55505,"end":661.575},{"sentences":[{"text":"One of the cool things at least is as the contributions are going in, we're gonna be buying into the market as it drops.","start":662.635,"end":668.83,"sentiment":"positive","sentiment_score":0.3358891016493241},{"text":"So when it goes up, you're gonna get a nice high return on the way up again.","start":668.83,"end":672.37,"sentiment":"positive","sentiment_score":0.4841677336131825},{"text":"Because when I said at the start of the call, you're retiring in ten to fifteen years, you've kind of got, I guess, two market cycles ahead of you.","start":672.43,"end":680.805,"sentiment":"neutral","sentiment_score":0.05141272228853456},{"text":"So what I mean by that is stock market grows for five, six years, then it crashes, grows, and then it crashes.","start":681.045,"end":686.90497,"sentiment":"neutral","sentiment_score":-0.02064136229455471},{"text":"So this next seven years for you is to get as much growth out of it as possible to get enough","start":687.285,"end":693.365,"sentiment":"neutral","sentiment_score":0.09166010753029868}],"sentiment":"neutral","sentiment_score":0.17038859420381816,"channel":0,"num_words":113,"start":662.635,"end":693.365},{"sentences":[{"text":"Correct.","start":693.075,"end":693.575,"sentiment":"neutral","sentiment_score":0.06877908110618591}],"sentiment":"neutral","sentiment_score":0.06877908110618591,"channel":1,"num_words":1,"start":693.075,"end":693.575},{"sentences":[{"text":"there for retirement, and then it's a matter of protecting it.","start":693.365,"end":696.31,"sentiment":"neutral","sentiment_score":0.08108653297478502},{"text":"So in that last seven years, we go from balanced growth, 75%.","start":696.31,"end":700.25,"sentiment":"neutral","sentiment_score":0.1341879554092884},{"text":"We then go to drop you down to sixty, fifty, 40% over those last seven years so that when you do hit sixty, sixty five, 67, you don't lose half of it because the stock market crashed.","start":700.31,"end":712.675,"sentiment":"neutral","sentiment_score":0.07741962373256683},{"text":"You can actually retire on it, put it into a pension account, and safely kind of draw down an income.","start":712.675,"end":718.675,"sentiment":"positive","sentiment_score":0.3459924802184105},{"text":"Does that make sense?","start":718.675,"end":719.735,"sentiment":"neutral","sentiment_score":0.2377496212720871}],"sentiment":"neutral","sentiment_score":0.15759025589518605,"channel":0,"num_words":84,"start":693.365,"end":719.735},{"sentences":[{"text":"Makes a lot of sense.","start":720.295,"end":721.515,"sentiment":"neutral","sentiment_score":0.3059178054332733}],"sentiment":"neutral","sentiment_score":0.3059178054332733,"channel":1,"num_words":5,"start":720.295,"end":721.515},{"sentences":[{"text":"K.","start":722.05,"end":722.29004,"sentiment":"neutral","sentiment_score":0.08015451580286026},{"text":"Now just what I was saying before around that balanced growth risk profile, to me, it still seems appropriate for you because, again, the balancing between the time frame and the risk and the returns.","start":722.29004,"end":734.23004,"sentiment":"neutral","sentiment_score":0.08639886443104063},{"text":"Are you comfortable with that profile itself as I've explained it?","start":734.79504,"end":738.97504,"sentiment":"neutral","sentiment_score":0.05696505443616347}],"sentiment":"neutral","sentiment_score":0.07937724190823575,"channel":0,"num_words":47,"start":722.05,"end":738.97504},{"sentences":[{"text":"Yes.","start":739.49,"end":739.99,"sentiment":"neutral","sentiment_score":0.12446768581867218},{"text":"Yep.","start":740.115,"end":740.615,"sentiment":"neutral","sentiment_score":0.15181739628314972}],"sentiment":"neutral","sentiment_score":0.13814254105091095,"channel":1,"num_words":2,"start":739.49,"end":740.615},{"sentences":[{"text":"Yep.","start":740.715,"end":741.215,"sentiment":"neutral","sentiment_score":0.22374044358730316},{"text":"So let's just make sure we optimize the options, get rid of the bad apple, and make sure there's nothing crazy under the hood that we're not taking to account.","start":741.275,"end":749.695,"sentiment":"neutral","sentiment_score":0.1494264534364144},{"text":"Happy with that?","start":749.94995,"end":750.76996,"sentiment":"positive","sentiment_score":0.40303483605384827}],"sentiment":"neutral","sentiment_score":0.17398936926003764,"channel":0,"num_words":34,"start":740.715,"end":750.76996},{"sentences":[{"text":"Happy about it.","start":751.235,"end":752.31,"sentiment":"positive","sentiment_score":0.523373564084371}],"sentiment":"positive","sentiment_score":0.523373564084371,"channel":1,"num_words":3,"start":751.235,"end":752.31},{"sentences":[{"text":"Perfect.","start":752.99,"end":753.49,"sentiment":"positive","sentiment_score":0.6019024848937988},{"text":"So what I'm gonna do, I'm gonna do an updated advice document for you over the next couple of weeks.","start":753.70996,"end":758.29,"sentiment":"neutral","sentiment_score":0.27329902723431587},{"text":"I'm gonna put together some research, look at updating some of the options there, then we're gonna walk through it together.","start":758.35,"end":764.245,"sentiment":"neutral","sentiment_score":0.2135668226650783},{"text":"I'm gonna run it through with Veronica just so she can see what we're doing.","start":764.245,"end":767.78503,"sentiment":"neutral","sentiment_score":0.24939915041128793},{"text":"And","start":768.16504,"end":768.405,"sentiment":"neutral","sentiment_score":0.17780256271362305}],"sentiment":"neutral","sentiment_score":0.24950993317982245,"channel":0,"num_words":58,"start":752.99,"end":768.405},{"sentences":[{"text":"Yeah.","start":768.35504,"end":768.85504,"sentiment":"neutral","sentiment_score":0.19456200301647184}],"sentiment":"neutral","sentiment_score":0.19456200301647184,"channel":1,"num_words":1,"start":768.35504,"end":768.85504},{"sentences":[{"text":"that way, we're very risk conscious, and then just get you back on track for those long term returns.","start":768.405,"end":773.765,"sentiment":"neutral","sentiment_score":0.3208153459586595},{"text":"Again, we're still aiming for that kind of eight to 12% average, but, again, let's just address the risk at the moment.","start":773.765,"end":781.5,"sentiment":"neutral","sentiment_score":0.0880612333051183}],"sentiment":"neutral","sentiment_score":0.19592289526651546,"channel":0,"num_words":41,"start":768.405,"end":781.5},{"sentences":[{"text":"Yep.","start":782.07,"end":782.57,"sentiment":"neutral","sentiment_score":0.0685226321220398}],"sentiment":"neutral","sentiment_score":0.0685226321220398,"channel":1,"num_words":1,"start":782.07,"end":782.57},{"sentences":[{"text":"Now when it comes to contributions, I'm gonna base this off what your employer is putting in.","start":783.56,"end":789.5,"sentiment":"neutral","sentiment_score":0.06456006121109514},{"text":"Did you want me to consider anything in terms of salary sacrifice or anything like that, or have you got enough priorities for your cash flow at this point?","start":789.745,"end":797.84503,"sentiment":"neutral","sentiment_score":0.0035938928224917115}],"sentiment":"neutral","sentiment_score":0.026124868096540802,"channel":0,"num_words":46,"start":783.56,"end":797.84503},{"sentences":[{"text":"Are there enough other things that are driving me at the moment without that?","start":797.965,"end":802.065,"sentiment":"neutral","sentiment_score":-0.06428835660751377}],"sentiment":"neutral","sentiment_score":-0.06428835660751377,"channel":1,"num_words":14,"start":797.965,"end":802.065},{"sentences":[{"text":"Yeah.","start":801.83997,"end":802.33997,"sentiment":"neutral","sentiment_score":0.03547605127096176},{"text":"No.","start":802.48,"end":802.8,"sentiment":"neutral","sentiment_score":-0.0032453276216983795},{"text":"That's totally fine.","start":802.8,"end":803.75995,"sentiment":"neutral","sentiment_score":0.11356064677238464},{"text":"So I'll just try and base it on getting you to that retirement goal based on what your work's putting 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of this fund.","start":813.88,"end":821.265,"sentiment":"neutral","sentiment_score":0.02970716916024685},{"text":"Is that still I don't think that's happened this year.","start":821.265,"end":824.565,"sentiment":"neutral","sentiment_score":-0.08352384008467198}],"sentiment":"neutral","sentiment_score":-0.013843219010875775,"channel":1,"num_words":26,"start":813.88,"end":824.565},{"sentences":[{"text":"That's the next thing I was gonna talk to you about.","start":825.295,"end":827.795,"sentiment":"neutral","sentiment_score":0.06757911565628918},{"text":"We've got a certificate of currency here, and I'm just having a look at it now.","start":827.98,"end":832.3,"sentiment":"neutral","sentiment_score":0.09524201019667089},{"text":"I'm actually gonna email it through to 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more than a few months away, you're gonna get a policy anniversary around end of financial year, letting you know what they've altered the policy to look like.","start":845.435,"end":855.2,"sentiment":"neutral","sentiment_score":-0.0032390018057977333},{"text":"Because you know how every year, prices increase, they change your cover amount a little bit.","start":855.2,"end":859.46,"sentiment":"neutral","sentiment_score":-0.06544152193237096}],"sentiment":"neutral","sentiment_score":-0.025355453406357104,"channel":0,"num_words":45,"start":845.435,"end":859.46},{"sentences":[{"text":"That's Yep.","start":859.66504,"end":860.405,"sentiment":"neutral","sentiment_score":0.012728580739349127}],"sentiment":"neutral","sentiment_score":0.012728580739349127,"channel":1,"num_words":2,"start":859.66504,"end":860.405},{"sentences":[{"text":"At the moment, let me just check what you've got.","start":861.28,"end":863.28,"sentiment":"neutral","sentiment_score":-0.02580136675387621},{"text":"You've got 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a","start":917.00995,"end":920.475,"sentiment":"neutral","sentiment_score":0.02194254770874977}],"sentiment":"neutral","sentiment_score":0.02194254770874977,"channel":0,"num_words":10,"start":917.00995,"end":920.475},{"sentences":[{"text":"Yep.","start":920.43,"end":920.93,"sentiment":"neutral","sentiment_score":0.02791106328368187}],"sentiment":"neutral","sentiment_score":0.02791106328368187,"channel":1,"num_words":1,"start":920.43,"end":920.93},{"sentences":[{"text":"chat with you or myself around about May, early June.","start":920.475,"end":924.635,"sentiment":"neutral","sentiment_score":0.030978588201105595},{"text":"And as soon as we have those figures, we'll talk you through","start":924.635,"end":927.27496,"sentiment":"neutral","sentiment_score":0.023244846767435472}],"sentiment":"neutral","sentiment_score":0.026760183782740074,"channel":0,"num_words":22,"start":920.475,"end":927.27496},{"sentences":[{"text":"Yep.","start":927.2325,"end":927.7325,"sentiment":"neutral","sentiment_score":0.005736403167247772}],"sentiment":"neutral","sentiment_score":0.005736403167247772,"channel":1,"num_words":1,"start":927.2325,"end":927.7325},{"sentences":[{"text":"the price increase and whether we need to alter that, shop around, trim it down, whatever it needs to be.","start":927.27496,"end":932.67,"sentiment":"neutral","sentiment_score":-0.039443953707814214},{"text":"So at the moment, you're okay for me to just leave that alone for a couple of months?","start":934.11,"end":937.64996,"sentiment":"neutral","sentiment_score":-0.006473692237502999}],"sentiment":"neutral","sentiment_score":-0.02382646143240364,"channel":0,"num_words":38,"start":927.27496,"end":937.64996},{"sentences":[{"text":"We can leave that alone.","start":937.475,"end":938.595,"sentiment":"neutral","sentiment_score":-0.028789354860782622},{"text":"Yeah.","start":938.595,"end":938.915,"sentiment":"neutral","sentiment_score":0.01470232754945755},{"text":"I just couldn't remember","start":938.915,"end":940.295,"sentiment":"neutral","sentiment_score":-0.03740860614925623}],"sentiment":"neutral","sentiment_score":-0.02788788713514805,"channel":1,"num_words":10,"start":937.475,"end":940.295},{"sentences":[{"text":"Yep.","start":939.95,"end":940.45,"sentiment":"neutral","sentiment_score":-0.03698790818452835}],"sentiment":"neutral","sentiment_score":-0.03698790818452835,"channel":0,"num_words":1,"start":939.95,"end":940.45},{"sentences":[{"text":"when the anniversary to that was.","start":940.75494,"end":942.77496,"sentiment":"neutral","sentiment_score":-0.016487342305481434}],"sentiment":"neutral","sentiment_score":-0.016487342305481434,"channel":1,"num_words":6,"start":940.75494,"end":942.77496},{"sentences":[{"text":"Yep.","start":943.14996,"end":943.55,"sentiment":"neutral","sentiment_score":0.04349445924162865}],"sentiment":"neutral","sentiment_score":0.04349445924162865,"channel":0,"num_words":1,"start":943.14996,"end":943.55},{"sentences":[{"text":"Like, when","start":943.15497,"end":943.555,"sentiment":"neutral","sentiment_score":0.044696155935525894}],"sentiment":"neutral","sentiment_score":0.044696155935525894,"channel":1,"num_words":2,"start":943.15497,"end":943.555},{"sentences":[{"text":"Twentieth","start":943.55,"end":944.05,"sentiment":"neutral","sentiment_score":0.03605637699365616}],"sentiment":"neutral","sentiment_score":0.03605637699365616,"channel":0,"num_words":1,"start":943.55,"end":944.05},{"sentences":[{"text":"it was coming up.","start":943.555,"end":944.615,"sentiment":"neutral","sentiment_score":0.015937207266688347}],"sentiment":"neutral","sentiment_score":0.015937207266688347,"channel":1,"num_words":4,"start":943.555,"end":944.615},{"sentences":[{"text":"of 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point.","start":953.535,"end":955.955,"sentiment":"neutral","sentiment_score":-0.3201843947172165},{"text":"Yeah.","start":958.51,"end":959.01,"sentiment":"neutral","sentiment_score":-0.07370078563690186},{"text":"Yeah.","start":959.15,"end":959.39,"sentiment":"neutral","sentiment_score":-0.02570302039384842},{"text":"That's it.","start":959.39,"end":959.95,"sentiment":"neutral","sentiment_score":-0.0314908754080534}],"sentiment":"negative","sentiment_score":-0.3445000508356662,"channel":0,"num_words":21,"start":949.855,"end":959.95},{"sentences":[{"text":"741,000 of just lump sum TPD, so there's no life insurance or anything.","start":959.95,"end":965.01,"sentiment":"neutral","sentiment_score":-0.09463980149191159},{"text":"When we have that updated chat around the insurances, do you want us to look at some quotes for, like, life insurance or something or leave that alone","start":966.35004,"end":972.705,"sentiment":"neutral","sentiment_score":-0.020646944409236312}],"sentiment":"neutral","sentiment_score":-0.04410809421593823,"channel":0,"num_words":41,"start":959.95,"end":972.705},{"sentences":[{"text":"Yeah.","start":972.53503,"end":972.78,"sentiment":"neutral","sentiment_score":-0.005839046090841293}],"sentiment":"neutral","sentiment_score":-0.005839046090841293,"channel":1,"num_words":1,"start":972.53503,"end":972.78},{"sentences":[{"text":"for a while?","start":972.705,"end":973.525,"sentiment":"neutral","sentiment_score":-0.03473754972219467}],"sentiment":"neutral","sentiment_score":-0.03473754972219467,"channel":0,"num_words":3,"start":972.705,"end":973.525},{"sentences":[{"text":"No.","start":973.9,"end":974.30005,"sentiment":"neutral","sentiment_score":-0.2754906713962555},{"text":"We need to look at that too.","start":974.30005,"end":975.92004,"sentiment":"neutral","sentiment_score":-0.20624661445617676}],"sentiment":"neutral","sentiment_score":-0.2149021215736866,"channel":1,"num_words":8,"start":973.9,"end":975.92004},{"sentences":[{"text":"Okay.","start":976.305,"end":976.705,"sentiment":"neutral","sentiment_score":0.02672937884926796},{"text":"Do you want me to look at that now, or are you happy to wait until June?","start":976.705,"end":980.005,"sentiment":"neutral","sentiment_score":0.02485154174706515}],"sentiment":"neutral","sentiment_score":0.024955866030520864,"channel":0,"num_words":18,"start":976.305,"end":980.005},{"sentences":[{"text":"We we can do all that.","start":980.06006,"end":981.76,"sentiment":"neutral","sentiment_score":0.07686992362141609},{"text":"Actually, no.","start":982.86005,"end":983.5,"sentiment":"neutral","sentiment_score":-0.2812991067767143},{"text":"Probably start looking at that sooner than later.","start":983.5,"end":985.76,"sentiment":"negative","sentiment_score":-0.34403669461607933}],"sentiment":"neutral","sentiment_score":-0.17835451429709792,"channel":1,"num_words":16,"start":980.06006,"end":985.76},{"sentences":[{"text":"Sooner rather than later.","start":986.16003,"end":987.28,"sentiment":"neutral","sentiment_score":-0.13363417983055115},{"text":"Okay.","start":987.28,"end":987.78,"sentiment":"neutral","sentiment_score":-0.023952314630150795},{"text":"So do you want 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you want on estate planning, more than happy to talk you through it as well.","start":1299.485,"end":1304.4,"sentiment":"neutral","sentiment_score":0.3235409513115883}],"sentiment":"neutral","sentiment_score":0.27161194469247546,"channel":0,"num_words":35,"start":1294.2051,"end":1304.4},{"sentences":[{"text":"Yeah.","start":1305.0299,"end":1305.35,"sentiment":"neutral","sentiment_score":0.2809334695339203},{"text":"Cool.","start":1305.35,"end":1305.85,"sentiment":"positive","sentiment_score":0.43168073892593384}],"sentiment":"positive","sentiment_score":0.35630710422992706,"channel":1,"num_words":2,"start":1305.0299,"end":1305.85},{"sentences":[{"text":"Cool.","start":1306.72,"end":1306.9601,"sentiment":"positive","sentiment_score":0.35984259843826294},{"text":"And because all the kids 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children.","start":1310.56,"end":1318.18,"sentiment":"neutral","sentiment_score":0.13899492020053522}],"sentiment":"neutral","sentiment_score":0.16219951382705144,"channel":0,"num_words":35,"start":1308.0801,"end":1318.18},{"sentences":[{"text":"Mhmm.","start":1318.6951,"end":1318.775,"sentiment":"neutral","sentiment_score":0.10480254888534546},{"text":"Yep.","start":1318.775,"end":1319.275,"sentiment":"neutral","sentiment_score":0.32790669798851013}],"sentiment":"neutral","sentiment_score":0.2163546234369278,"channel":1,"num_words":2,"start":1318.6951,"end":1319.275},{"sentences":[{"text":"Perfect.","start":1320.325,"end":1320.825,"sentiment":"positive","sentiment_score":0.6379579901695251},{"text":"Alrighty, mate.","start":1321.445,"end":1322.165,"sentiment":"positive","sentiment_score":0.4524308294057846},{"text":"Any questions for me at this point?","start":1322.165,"end":1323.705,"sentiment":"neutral","sentiment_score":0.07571174896189145}],"sentiment":"neutral","sentiment_score":0.20728018917143345,"channel":0,"num_words":10,"start":1320.325,"end":1323.705},{"sentences":[{"text":"Not really.","start":1326.02,"end":1326.9,"sentiment":"neutral","sentiment_score":-0.0841989740729332},{"text":"Your your fees as a whole, are they calculated based on what you do in a in a month?","start":1326.9,"end":1335.7151,"sentiment":"neutral","sentiment_score":-0.024111636424143063},{"text":"Is it based on what my balance is?","start":1335.7151,"end":1338.035,"sentiment":"neutral","sentiment_score":-0.01224696624558419},{"text":"How does that work?","start":1338.035,"end":1339.095,"sentiment":"neutral","sentiment_score":-0.0019547652918845415}],"sentiment":"neutral","sentiment_score":-0.02219132822232716,"channel":1,"num_words":33,"start":1326.02,"end":1339.095},{"sentences":[{"text":"So it's based on a percentage of the 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year","start":1354.035,"end":1356.775,"sentiment":"neutral","sentiment_score":0.03864373949666818}],"sentiment":"neutral","sentiment_score":-0.034383551089787016,"channel":0,"num_words":51,"start":1339.78,"end":1356.775},{"sentences":[{"text":"Yep.","start":1356.96,"end":1357.4401,"sentiment":"neutral","sentiment_score":0.04263424873352051}],"sentiment":"neutral","sentiment_score":0.04263424873352051,"channel":1,"num_words":1,"start":1356.96,"end":1357.4401},{"sentences":[{"text":"split 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then as the balance fluctuates, it just follows it on a monthly basis.","start":1358.6,"end":1362.2999,"sentiment":"neutral","sentiment_score":0.015526436069714171},{"text":"Once you get to 600,000, it does flatline.","start":1362.84,"end":1366.76,"sentiment":"neutral","sentiment_score":0.014361835434101522},{"text":"There is a cap because we do have those clients, 1,000,000, 2,000,000, 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good at what we do on this side, but $30 is is probably a bit high.","start":1372.5651,"end":1376.885,"sentiment":"neutral","sentiment_score":-0.008047052385175928},{"text":"So the caps when you hit 600,000, and, yes, it follows up and down 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be pretty well pegged alongside it.","start":1404.175,"end":1408.035,"sentiment":"neutral","sentiment_score":0.05741207767277956},{"text":"Let me just have a quick little look.","start":1408.255,"end":1410.275,"sentiment":"neutral","sentiment_score":0.06178510142490268},{"text":"And thank you for raising that.","start":1411.7001,"end":1412.9,"sentiment":"neutral","sentiment_score":0.31694436570008594},{"text":"Let me just have a look at your transaction history, make sure there's nothing crazy going on.","start":1412.9,"end":1417.0801,"sentiment":"neutral","sentiment_score":0.11297056604834164}],"sentiment":"neutral","sentiment_score":0.050003913058726875,"channel":0,"num_words":54,"start":1400.8151,"end":1417.0801},{"sentences":[{"text":"I've got contributions coming in from Grace 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this","start":1545.035,"end":1548.86,"sentiment":"neutral","sentiment_score":-0.0017914306372404099}],"sentiment":"neutral","sentiment_score":0.03134065452549192,"channel":0,"num_words":27,"start":1542.635,"end":1548.86},{"sentences":[{"text":"Yes.","start":1549.69,"end":1550.19,"sentiment":"neutral","sentiment_score":0.056598566472530365}],"sentiment":"neutral","sentiment_score":0.056598566472530365,"channel":1,"num_words":1,"start":1549.69,"end":1550.19},{"sentences":[{"text":"year?","start":1550.28,"end":1550.68,"sentiment":"neutral","sentiment_score":0.050401471555233},{"text":"Yep.","start":1550.68,"end":1551.18,"sentiment":"neutral","sentiment_score":0.130909264087677},{"text":"So I'll send you through that annual review pack to your email.","start":1551.24,"end":1554.3,"sentiment":"neutral","sentiment_score":0.20412797232468924},{"text":"It has a summary of the super insurance just to let you know, like, what accounts you've got, balances","start":1554.92,"end":1560.54,"sentiment":"neutral","sentiment_score":0.17815742288765155}],"sentiment":"neutral","sentiment_score":0.18229810419407758,"channel":0,"num_words":33,"start":1550.28,"end":1560.54},{"sentences":[{"text":"Yes.","start":1560.245,"end":1560.745,"sentiment":"neutral","sentiment_score":0.15514621138572693}],"sentiment":"neutral","sentiment_score":0.15514621138572693,"channel":1,"num_words":1,"start":1560.245,"end":1560.745},{"sentences":[{"text":"based on the day.","start":1560.76,"end":1561.9,"sentiment":"neutral","sentiment_score":0.1520226188004017},{"text":"You've got your portfolio performance.","start":1561.965,"end":1563.9049,"sentiment":"neutral","sentiment_score":0.17173796892166138},{"text":"You've got financial services guide with us because we do update licensing details every year.","start":1564.205,"end":1570.065,"sentiment":"neutral","sentiment_score":0.16988304207722346},{"text":"All of your consumer protections are in that one.","start":1570.6849,"end":1573.1849,"sentiment":"neutral","sentiment_score":0.12348439710007773},{"text":"We've got some pretty in-depth reports for your super.","start":1573.4049,"end":1577.62,"sentiment":"neutral","sentiment_score":0.09763397441969977}],"sentiment":"neutral","sentiment_score":0.14297836415824436,"channel":0,"num_words":42,"start":1560.76,"end":1577.62},{"sentences":[{"text":"Bit of a Vanguard chart if you're curious about how the markets go.","start":1577.84,"end":1580.88,"sentiment":"neutral","sentiment_score":0.06712328241421626},{"text":"Your certificate of currency for","start":1580.88,"end":1582.48,"sentiment":"neutral","sentiment_score":0.04512108340859413}],"sentiment":"neutral","sentiment_score":0.061011560468210116,"channel":0,"num_words":18,"start":1577.84,"end":1582.48},{"sentences":[{"text":"Yep.","start":1582.375,"end":1582.875,"sentiment":"neutral","sentiment_score":0.060237817466259}],"sentiment":"neutral","sentiment_score":0.060237817466259,"channel":1,"num_words":1,"start":1582.375,"end":1582.875},{"sentences":[{"text":"the TPD insurance, not that something's gonna happen, but if you if something does happen and you do need a claim on that towel insurance, you can","start":1582.48,"end":1591.545,"sentiment":"neutral","sentiment_score":0.07197391600520522}],"sentiment":"neutral","sentiment_score":0.07197391600520522,"channel":0,"num_words":27,"start":1582.48,"end":1591.545},{"sentences":[{"text":"Yes.","start":1591.4149,"end":1591.9149,"sentiment":"neutral","sentiment_score":0.14727556705474854}],"sentiment":"neutral","sentiment_score":0.14727556705474854,"channel":1,"num_words":1,"start":1591.4149,"end":1591.9149},{"sentences":[{"text":"give us a call, and we'll help you through the claims process.","start":1591.545,"end":1593.965,"sentiment":"neutral","sentiment_score":0.1990990061312914},{"text":"And","start":1594.425,"end":1594.745,"sentiment":"neutral","sentiment_score":0.07240919768810272}],"sentiment":"neutral","sentiment_score":0.18935363625104612,"channel":0,"num_words":13,"start":1591.545,"end":1594.745},{"sentences":[{"text":"Oh.","start":1594.695,"end":1595.01,"sentiment":"neutral","sentiment_score":0.06649193167686462}],"sentiment":"neutral","sentiment_score":0.06649193167686462,"channel":1,"num_words":1,"start":1594.695,"end":1595.01},{"sentences":[{"text":"we do do a lot of, you know, disability advice.","start":1594.745,"end":1597.405,"sentiment":"neutral","sentiment_score":0.0589617632329464},{"text":"Someone who's been in a car accident can never work again.","start":1597.625,"end":1600.605,"sentiment":"neutral","sentiment_score":-0.04086130078543316},{"text":"Here's a million dollars.","start":1600.665,"end":1601.705,"sentiment":"neutral","sentiment_score":0.013776808395050466},{"text":"How do you make it last?","start":1601.705,"end":1602.925,"sentiment":"neutral","sentiment_score":0.017649757986267407},{"text":"So","start":1603.0901,"end":1603.41,"sentiment":"neutral","sentiment_score":0.03610805794596672}],"sentiment":"neutral","sentiment_score":0.010539286347921006,"channel":0,"num_words":32,"start":1594.745,"end":1603.41},{"sentences":[{"text":"Yep.","start":1603.41,"end":1603.91,"sentiment":"neutral","sentiment_score":0.07675718516111374}],"sentiment":"neutral","sentiment_score":0.07675718516111374,"channel":1,"num_words":1,"start":1603.41,"end":1603.91},{"sentences":[{"text":"we're available for the claims and what to do with it afterwards.","start":1603.41,"end":1606.7101,"sentiment":"neutral","sentiment_score":0.07013350911438465},{"text":"And I'm just looking through the documents.","start":1608.4501,"end":1610.2101,"sentiment":"neutral","sentiment_score":0.0509291658444064},{"text":"There should also be one other one I wanted to run by you is a like, it should be like a tax file number declaration.","start":1610.2101,"end":1617.67,"sentiment":"neutral","sentiment_score":0.034998659454286096},{"text":"We're trying to be careful with housing people's sensitive information.","start":1618.265,"end":1622.2051,"sentiment":"neutral","sentiment_score":-0.0435682718642056},{"text":"So","start":1622.7451,"end":1623.145,"sentiment":"neutral","sentiment_score":0.042294181883335114}],"sentiment":"neutral","sentiment_score":0.030539713088761678,"channel":0,"num_words":55,"start":1603.41,"end":1623.145},{"sentences":[{"text":"Yes.","start":1623.0751,"end":1623.45,"sentiment":"neutral","sentiment_score":0.05707400664687157}],"sentiment":"neutral","sentiment_score":0.05707400664687157,"channel":1,"num_words":1,"start":1623.0751,"end":1623.45},{"sentences":[{"text":"usually, we keep your tax phone number on just the one document now and just need to make sure you we've got your consent to utilize it at the time.","start":1623.145,"end":1631.37,"sentiment":"neutral","sentiment_score":0.05688322074711323}],"sentiment":"neutral","sentiment_score":0.05688322074711323,"channel":0,"num_words":30,"start":1623.145,"end":1631.37},{"sentences":[{"text":"You should have it.","start":1633.0499,"end":1634.35,"sentiment":"neutral","sentiment_score":0.0756560517475009}],"sentiment":"neutral","sentiment_score":0.0756560517475009,"channel":1,"num_words":4,"start":1633.0499,"end":1634.35},{"sentences":[{"text":"Yep.","start":1634.57,"end":1634.97,"sentiment":"neutral","sentiment_score":0.057280268520116806},{"text":"I think we've already got it.","start":1634.97,"end":1636.41,"sentiment":"neutral","sentiment_score":0.03724259572724501},{"text":"I was just scrolling through the pack, and it's not in there at the moment.","start":1636.41,"end":1639.29,"sentiment":"neutral","sentiment_score":-0.006284209837516149},{"text":"So I think we already have it in place.","start":1639.29,"end":1641.07,"sentiment":"neutral","sentiment_score":0.026933575256003275}],"sentiment":"neutral","sentiment_score":0.01383467331047981,"channel":0,"num_words":31,"start":1634.57,"end":1641.07},{"sentences":[{"text":"Yeah.","start":1642.4249,"end":1642.745,"sentiment":"neutral","sentiment_score":0.10706394910812378},{"text":"I'm","start":1642.745,"end":1642.985,"sentiment":"neutral","sentiment_score":0.21137750148773193}],"sentiment":"neutral","sentiment_score":0.15922072529792786,"channel":1,"num_words":2,"start":1642.4249,"end":1642.985},{"sentences":[{"text":"Cool.","start":1642.89,"end":1643.39,"sentiment":"positive","sentiment_score":0.34516361355781555}],"sentiment":"positive","sentiment_score":0.34516361355781555,"channel":0,"num_words":1,"start":1642.89,"end":1643.39},{"sentences":[{"text":"very surprised that that's in from tell that it's not life insurance because that was originally what I asked for.","start":1642.985,"end":1649.325,"sentiment":"neutral","sentiment_score":-0.027735765138641}],"sentiment":"neutral","sentiment_score":-0.027735765138641,"channel":1,"num_words":20,"start":1642.985,"end":1649.325},{"sentences":[{"text":"Okay.","start":1649.615,"end":1650.115,"sentiment":"neutral","sentiment_score":0.058015648275613785},{"text":"One thing I'll do when I go to get the quotes is I'm just gonna scroll back through your file and find out how you just got TPD policy in place.","start":1650.255,"end":1658.1951,"sentiment":"neutral","sentiment_score":0.07332102605892767}],"sentiment":"neutral","sentiment_score":0.0728427330031991,"channel":0,"num_words":32,"start":1649.615,"end":1658.1951},{"sentences":[{"text":"Yep.","start":1658.8099,"end":1659.3099,"sentiment":"neutral","sentiment_score":0.10476046800613403}],"sentiment":"neutral","sentiment_score":0.10476046800613403,"channel":1,"num_words":1,"start":1658.8099,"end":1659.3099},{"sentences":[{"text":"I'll I'll kind of go through the history a little bit and see what I can find.","start":1659.375,"end":1662.2999,"sentiment":"neutral","sentiment_score":0.11811593350242167},{"text":"Awesome.","start":1664.84,"end":1665.34,"sentiment":"positive","sentiment_score":0.4718244671821594},{"text":"Email address, the y seven mail for you, Jason Mall.","start":1665.5599,"end":1669.02,"sentiment":"neutral","sentiment_score":0.21366156190633773}],"sentiment":"neutral","sentiment_score":0.16487181984952518,"channel":0,"num_words":28,"start":1659.375,"end":1669.02},{"sentences":[{"text":"That's fine.","start":1668.6951,"end":1669.275,"sentiment":"neutral","sentiment_score":0.26432084292173386}],"sentiment":"neutral","sentiment_score":0.26432084292173386,"channel":1,"num_words":2,"start":1668.6951,"end":1669.275},{"sentences":[{"text":"Yep.","start":1669.48,"end":1669.7999,"sentiment":"neutral","sentiment_score":0.16445311903953552}],"sentiment":"neutral","sentiment_score":0.16445311903953552,"channel":0,"num_words":1,"start":1669.48,"end":1669.7999},{"sentences":[{"text":"Yeah.","start":1669.495,"end":1669.995,"sentiment":"neutral","sentiment_score":0.1993672251701355}],"sentiment":"neutral","sentiment_score":0.1993672251701355,"channel":1,"num_words":1,"start":1669.495,"end":1669.995},{"sentences":[{"text":"That's okay.","start":1669.7999,"end":1670.54,"sentiment":"neutral","sentiment_score":0.23673992604017258},{"text":"Alright.","start":1671.16,"end":1671.48,"sentiment":"neutral","sentiment_score":0.2103624790906906},{"text":"I'll pop that through to you shortly.","start":1671.48,"end":1673.26,"sentiment":"neutral","sentiment_score":0.24824710828917368},{"text":"If you have any questions, let me know.","start":1673.4,"end":1675.34,"sentiment":"neutral","sentiment_score":0.17782427184283733},{"text":"The team will be in touch in a few weeks just to get you booked in to go through that updated advice document.","start":1675.7749,"end":1680.6749,"sentiment":"neutral","sentiment_score":0.22017345480296924}],"sentiment":"neutral","sentiment_score":0.21727209083917665,"channel":0,"num_words":41,"start":1669.7999,"end":1680.6749},{"sentences":[{"text":"Yeah.","start":1681.26,"end":1681.74,"sentiment":"neutral","sentiment_score":0.1737273931503296},{"text":"Alright.","start":1681.74,"end":1682.22,"sentiment":"positive","sentiment_score":0.3345932364463806},{"text":"Fabulous.","start":1682.22,"end":1682.72,"sentiment":"positive","sentiment_score":0.6497321724891663}],"sentiment":"positive","sentiment_score":0.3860176006952922,"channel":1,"num_words":3,"start":1681.26,"end":1682.72},{"sentences":[{"text":"Awesome, Jason.","start":1682.6549,"end":1683.455,"sentiment":"positive","sentiment_score":0.3986223414540291},{"text":"Anything else I can help you with, mate?","start":1683.455,"end":1685.1549,"sentiment":"neutral","sentiment_score":0.15286897122859955}],"sentiment":"neutral","sentiment_score":0.20201964527368546,"channel":0,"num_words":10,"start":1682.6549,"end":1685.1549},{"sentences":[{"text":"Mate, no.","start":1685.42,"end":1686.0599,"sentiment":"neutral","sentiment_score":-0.04423591122031212},{"text":"Appreciate your time this afternoon.","start":1686.0599,"end":1687.68,"sentiment":"neutral","sentiment_score":0.3236884355545044}],"sentiment":"neutral","sentiment_score":0.21856719361884253,"channel":1,"num_words":7,"start":1685.42,"end":1687.68},{"sentences":[{"text":"You too.","start":1688.27,"end":1688.75,"sentiment":"positive","sentiment_score":0.4465130716562271},{"text":"I appreciate you jumping from call to call.","start":1688.75,"end":1690.85,"sentiment":"positive","sentiment_score":0.7329024598002434},{"text":"And we have just kept it to twenty eight minutes, so right on time.","start":1691.23,"end":1695.01,"sentiment":"positive","sentiment_score":0.554483100771904}],"sentiment":"positive","sentiment_score":0.6049587180217108,"channel":0,"num_words":24,"start":1688.27,"end":1695.01},{"sentences":[{"text":"Awesome.","start":1695.895,"end":1696.215,"sentiment":"positive","sentiment_score":0.8490196466445923},{"text":"I'm about to jump into another Teams meeting, so that worked well.","start":1696.215,"end":1699.275,"sentiment":"positive","sentiment_score":0.6606785953044891}],"sentiment":"positive","sentiment_score":0.6751663684844971,"channel":1,"num_words":13,"start":1695.895,"end":1699.275},{"sentences":[{"text":"No worries at all, mate.","start":1699.445,"end":1700.4049,"sentiment":"neutral","sentiment_score":0.3229034662246704},{"text":"I'll talk to you soon, mate.","start":1700.4049,"end":1701.705,"sentiment":"positive","sentiment_score":0.3686237335205078}],"sentiment":"positive","sentiment_score":0.3478417938405817,"channel":0,"num_words":11,"start":1699.445,"end":1701.705},{"sentences":[{"text":"Thank you so much.","start":1701.655,"end":1702.795,"sentiment":"positive","sentiment_score":0.7803471088409424},{"text":"Cheers.","start":1702.855,"end":1703.255,"sentiment":"positive","sentiment_score":0.5714601874351501}],"sentiment":"positive","sentiment_score":0.738569724559784,"channel":1,"num_words":5,"start":1701.655,"end":1703.255},{"sentences":[{"text":"Thank","start":1703.0449,"end":1703.2849,"sentiment":"positive","sentiment_score":0.4509141743183136}],"sentiment":"positive","sentiment_score":0.4509141743183136,"channel":0,"num_words":1,"start":1703.0449,"end":1703.2849},{"sentences":[{"text":"Bye.","start":1703.255,"end":1703.755,"sentiment":"positive","sentiment_score":0.39859235286712646}],"sentiment":"positive","sentiment_score":0.39859235286712646,"channel":1,"num_words":1,"start":1703.255,"end":1703.755},{"sentences":[{"text":"you.","start":1703.2849,"end":1703.6849,"sentiment":"neutral","sentiment_score":0.2760630249977112},{"text":"Bye.","start":1703.6849,"end":1704.1849,"sentiment":"neutral","sentiment_score":0.11039230227470398}],"sentiment":"neutral","sentiment_score":0.19322766363620758,"channel":0,"num_words":2,"start":1703.2849,"end":1704.1849}]},"summary":{"result":"success","short":"The speaker discusses their annual review and risk profile, including their goal of achieving a 3.5 out of five growth asset ratio and a quarter of their super. They also mention their investment options and retirement goals, including their two styles of replacement and plans to make recommendations. The speaker emphasizes the importance of balancing growth and risk, updating retirement plans, and following up appointments for medical questions and life insurance income protection. They also provide information on fees and provide a quote for life insurance coverage. The agent explains the process for pre assessment and offers to book a follow-up appointment for a medical questions call. They provide information on insurance coverage and encourage the customer to contact them for more information."},"intents":{"segments":[{"text":"You've reached Jason. Sorry I can't take your call. Please leave a name, short message, and contact number, and I'll get back to you shortly. Hi, Jason.","start_word":1,"end_word":27,"intents":[{"intent":"Schedule call","confidence_score":0.039824855}]},{"text":"Hi, Jason. It's Tommy here, senior adviser from Oakview Financial. Just giving you a call to go through that annual review and discuss your superannuation. Our number is 130160796.","start_word":26,"end_word":54,"intents":[{"intent":"Discuss superannuation","confidence_score":0.14372547},{"intent":"Discuss superannuation","confidence_score":0.38759574}]},{"text":"It's Tommy here, senior adviser from Oakview Financial. Just giving you a call to go through that annual review and discuss your superannuation. Our number is 130160796.","start_word":28,"end_word":54,"intents":[{"intent":"Provide information","confidence_score":0.005238899}]},{"text":"Now what I wanted to go through with you, you had some concerns around the volatility in your super and what obviously, what's Yes.","start_word":265,"end_word":288,"intents":[{"intent":"Address concerns","confidence_score":0.22491226},{"intent":"Discuss volatility","confidence_score":0.28631133}]},{"text":"Now when it comes to cash flow, are you putting aside, like, a certain amount of savings each week, fortnight, or month? No. I get paid.","start_word":584,"end_word":609,"intents":[{"intent":"Assess cash flow","confidence_score":0.00025123003}]},{"text":"So just diving into the super, you've obviously been have you logged into Hub? Have you had a little look at the balance fluctuating, all that kind of thing? Yeah.","start_word":945,"end_word":974,"intents":[{"intent":"Check account status","confidence_score":0.00491454}]},{"text":"Anytime you see a news article, you can practically log in the next day and see what's happened to the super and see a movement up or down. So it's Well, one of considering those periods. considering it seems to be more of a slide than not, and it's gone down, like, 10% since October. Yeah.","start_word":1022,"end_word":1077,"intents":[{"intent":"Analyze supers","confidence_score":0.008644207}]},{"text":"We've already talked to the investment committee around some replacement options for this year for clients, and we've come up with a few. Can I just ask you one quick question? Because, obviously, Veronica, your adviser, and I, we're gonna make some recommendations. But Yep.","start_word":1598,"end_word":1642,"intents":[{"intent":"Update investment options","confidence_score":0.028809693}]},{"text":"So I'm more than happy to go low fees, replace that one, get it a bit more in line with the Aussie market, And then I'm gonna do a bit of a deep dive with the team to see if there's any other risks that we're not seeing that may cause some big drops in your fund this year. Okay.","start_word":1755,"end_word":1814,"intents":[{"intent":"Analyze fund risks","confidence_score":0.25529563}]},{"text":"You can actually retire on it, put it into a pension account, and safely kind of draw down an income. Does that make sense?","start_word":2116,"end_word":2139,"intents":[{"intent":"Evaluate retirement plan","confidence_score":0.004455095}]},{"text":"is more than a few months away, you're gonna get a policy anniversary around end of financial year, letting you know what they've altered the policy to look like. Because you know how every year, prices increase, they change your cover amount a little bit. That's Yep.","start_word":2523,"end_word":2569,"intents":[{"intent":"Discuss policy changes","confidence_score":0.024977278}]},{"text":"When we have that updated chat around the insurances, do you want us to look at some quotes for, like, life insurance or something or leave that alone Yeah.","start_word":2863,"end_word":2891,"intents":[{"intent":"Compare quotes and compare insurance providers","confidence_score":0.0000581118}]},{"text":"health wise?","start_word":3214,"end_word":3215,"intents":[{"intent":"Check health","confidence_score":0.5811772}]},{"text":"One thing we can do if you're comfortable is we can do a pre assessment where we'll go through those medical questions anonymously, Yep. and then we can shoot that out to the insurers and see if anything will be an issue. Mhmm.","start_word":3277,"end_word":3319,"intents":[{"intent":"Provide pre assessment","confidence_score":0.038434535}]},{"text":"Can I just get from you updated height and weight as well? I just wanna double check BMI your a Yeah. hundred and eighty two centimeters. Probably one eighty one. I think that's shrunken here. Yeah. No. That's fair. We all do. And what about weight in kilos or pounds, whatever you're used to? Yeah. Yeah.","start_word":3344,"end_word":3399,"intents":[{"intent":"Verify weight","confidence_score":0.028392503}]},{"text":"Let me just have a little look at the calculator because I know TAL's got discounts for a certain range, and some providers are better than others. TAL has a very lenient range. Yep.","start_word":3421,"end_word":3454,"intents":[{"intent":"Explore discounts","confidence_score":0.00031854896}]},{"text":"I just wanna avoid some, like, loadings because they can increase Yes.","start_word":3467,"end_word":3478,"intents":[{"intent":"Avoid loadings","confidence_score":0.13051395}]},{"text":"So what I'll do is I'll get a bit of a quote drawn up while I go through this portfolio update with you.","start_word":3527,"end_word":3549,"intents":[{"intent":"Give quote","confidence_score":0.00072686333}]},{"text":"Do you have, like, twenty minutes or so that I can book you in to go through those medical questions with the team?","start_word":3549,"end_word":3571,"intents":[{"intent":"Make appointment","confidence_score":0.0036574851}]},{"text":"Do you have, like, twenty minutes or so that I can book you in to go through those medical questions with the team? Mhmm.","start_word":3549,"end_word":3572,"intents":[{"intent":"Book medical questions","confidence_score":0.2605579}]},{"text":"It's just running through those those health questions. We've already got most of the info, Yeah.","start_word":3675,"end_word":3690,"intents":[{"intent":"Provide information","confidence_score":0.027248407}]},{"text":"What I'll do is I'll get the team to send you a bit of a heads up text. We should have someone available then. If not, we'll let you know straight away. Perfect.","start_word":3714,"end_word":3746,"intents":[{"intent":"Send text","confidence_score":0.41453058}]},{"text":"Now beyond that, mate, we've gone through a few things today. I'll give you the usual reminders for sorting out the will and the power of attorney when I give you that Yes.","start_word":3748,"end_word":3780,"intents":[{"intent":"Discuss will and power of attorney","confidence_score":0.1417558}]},{"text":"Post office, there's $25 will kits if you're that way inclined. And if there's any info you want on estate planning, more than happy to talk you through it as well. Yeah. Cool. Cool.","start_word":3821,"end_word":3854,"intents":[{"intent":"Discuss will kits","confidence_score":0.0015716889}]},{"text":"Your your fees as a whole, are they calculated based on what you do in a in a month? Is it based on what my balance is? How does that work?","start_word":3911,"end_word":3941,"intents":[{"intent":"Understand pricing and billing process","confidence_score":0.000013617562}]},{"text":"One of the things that I've got to do too is when we update your plan and we give you some updated projections is we'll Yes.","start_word":4279,"end_word":4304,"intents":[{"intent":"Update plans","confidence_score":0.025003146}]},{"text":"I wanna check with you as well because we're gonna have a bit of a catch up towards June, July, and we've got a Mhmm.","start_word":4342,"end_word":4366,"intents":[{"intent":"Check with jason","confidence_score":0.3162606}]},{"text":"Do you want me to kind of just set you up for a bit of a quarterly contact this year, or or once this first half of the year is done, would you prefer to kind of let that go for six months?","start_word":4371,"end_word":4413,"intents":[{"intent":"Set up quarterly contact","confidence_score":0.80842936}]},{"text":"So I'll send you through that annual review pack to your email. It has a summary of the super insurance just to let you know, like, what accounts you've got, balances Yes. based on the day. You've got your portfolio performance. You've got financial services guide with us because we do update licensing details every year. All of your consumer protections are in that one.","start_word":4536,"end_word":4600,"intents":[{"intent":"Review and review portfolio information","confidence_score":0.00015731767}]},{"text":"Your certificate of currency for Yep. the TPD insurance, not that something's gonna happen, but if you if something does happen and you do need a claim on that towel insurance, you can Yes.","start_word":4623,"end_word":4656,"intents":[{"intent":"Discuss trends and benefits of tpd insurance","confidence_score":1.2741086e-7}]},{"text":"give us a call, and we'll help you through the claims process. And Oh.","start_word":4657,"end_word":4670,"intents":[{"intent":"Provide assistance on claiming and obtaining insurance quotes","confidence_score":0.000010240882},{"intent":"Offer assistance with insurance claims","confidence_score":0.000013038685}]},{"text":"Email address, the y seven mail for you, Jason Mall. That's fine. Yep. Yeah. That's okay. Alright. I'll pop that through to you shortly. If you have any questions, let me know. The team will be in touch in a few weeks just to get you booked in to go through that updated advice document. Yeah. Alright.","start_word":4899,"end_word":4955,"intents":[{"intent":"Arrange contact with jason mall to discuss current advice document","confidence_score":1.2506681e-9}]},{"text":"I appreciate you jumping from call to call. And we have just kept it to twenty eight minutes, so right on time.","start_word":4976,"end_word":4997,"intents":[{"intent":"Explaining call timing","confidence_score":0.00030106603}]},{"text":"I'm about to jump into another Teams meeting, so that worked well. No worries at all, mate. I'll talk to you soon, mate. Thank you so much.","start_word":4999,"end_word":5025,"intents":[{"intent":"Discussing meeting","confidence_score":0.0013216542}]},{"text":"Thank Bye. you. Bye.","start_word":5027,"end_word":5030,"intents":[{"intent":"Expressing appreciation","confidence_score":0.0028724556}]}]},"sentiments":{"segments":[{"text":"Hi. You've reached Jason. Sorry I can't take your call. Please leave a name, short message, and contact number, and I'll get back to you shortly. Hi, Jason. It's Tommy here, senior adviser from Oakview Financial. Just giving you a call to go through that annual review and discuss your superannuation. Our number is 130160796. Mate, if you're still available, please give us a call. I'll send you a text now and hopefully talk to you soon. Hi. You there? Jason, how are you doing? Yeah. Good. Hi. Sorry. I was just on another finishing on another call. Because I got a message earlier that Maddie's not available today or whoever I was supposed to talk to. Yeah. Veronica's going home sick, so I wanted to sort of jump in and have a chat to you. I'm one of the senior advisers here. Yeah. Cool. Mate, do you still have a bit of time to go through that annual review with me? I do. I've got about half an hour.","start_word":0,"end_word":169,"sentiment":"neutral","sentiment_score":0.017649095505475998},{"text":"Half an hour is perfect.","start_word":170,"end_word":174,"sentiment":"positive","sentiment_score":0.38448914885520935},{"text":"If you feel like it's running a little bit too close to the line, just let me know. Okay? Yep. Will do.","start_word":175,"end_word":196,"sentiment":"neutral","sentiment_score":0.06819233298301697},{"text":"Perfect.","start_word":197,"end_word":197,"sentiment":"positive","sentiment_score":0.3695085644721985},{"text":"And just before I jump into it, are you okay for the call to be recorded? That's fine.","start_word":198,"end_word":215,"sentiment":"neutral","sentiment_score":0.10046330839395524},{"text":"Awesome.","start_word":216,"end_word":216,"sentiment":"positive","sentiment_score":0.3438122272491455},{"text":"And just for security of your account, do you recall your client password with us? No. It could be RooftaRoofta, something like It that. is there's a prompt here for second child's middle name. Ryan. That's the one.","start_word":217,"end_word":254,"sentiment":"neutral","sentiment_score":0.0355788990855217},{"text":"Thank you so much for that, Jason. Appreciate that, mate.","start_word":255,"end_word":264,"sentiment":"positive","sentiment_score":0.6400962471961975},{"text":"Now what I wanted to go through with you, you had some concerns around the volatility in your super and what obviously, what's Yes. going on in The US and some risks and things like that. So I really wanted to address that with you today, which is why we didn't wanna kind of reschedule today's meeting because, obviously, there's a lot going on, and Yes. pretty important to have a chat there. I do wanna go over just a general annual review with you as well, make sure we're covering all bases if that's okay.","start_word":265,"end_word":360,"sentiment":"neutral","sentiment_score":0.01571990173154821},{"text":"That's fine. Perfect. Perfect.","start_word":361,"end_word":364,"sentiment":"positive","sentiment_score":0.5187246799468994},{"text":"So before I get into the sort of meat and potatoes of the markets, I'm just gonna have a quick look through the details that we have on file because we've changed systems at the moment to a new CRM. Just wanna make sure all this is still accurate. So I'm looking through the address. Are you still in McAlester Avenue? I am. Perfect. And partner's still Jasmine, one child, Yes. and she would be like your next of kin and beneficiary. Yes. Yep. So you've got one dependent, three children in total. Yeah. I don't know. Even though one of them moved out, they all feel like they're still dependent, but that's okay. Cool. So we'll say one's 18, three above. Actually, no. They're all now in their twenties. So No way. Okay. So would I say four children total all above the age of 18? no. Just three three children total, all all over Three eighteen. total all over 18. Amazing.","start_word":365,"end_word":527,"sentiment":"neutral","sentiment_score":0.044074997305870056},{"text":"I'll update that.","start_word":528,"end_word":530,"sentiment":"positive","sentiment_score":0.3354361057281494},{"text":"Thank you. Occupation wise, are you still a business business development manager earning about 110,000? Still a business development manager, probably a little bit less, probably 100 now. Yep. K. Now with the employer, what's the employer name that's coming through? Grace, g r a Grace. c e. That's the one. Thank you. Now when it comes to cash flow, are you putting aside, like, a certain amount of savings each week, fortnight, or month? No. I get paid. I give it to my wife. She does whatever she does with it. Perfect. And then it obviously go into a few different things. We do have a car and a credit card listed. Little bit of a car loan left, a little bit Yeah. owing on the credit card. Is that still the case? Yeah. Yeah. Car loans. Couple of grand. I think credit card's about 6. Yep.","start_word":531,"end_word":678,"sentiment":"neutral","sentiment_score":0.010102316737174988},{"text":"Perfect.","start_word":679,"end_word":679,"sentiment":"positive","sentiment_score":0.4871178269386291},{"text":"Do you have any other assets or liabilities? Any, like, new home loans or personal loans, shares, crypto, anything like that? No. Perfect. And last thing for assets is just do you have an amount put away in savings so far? Bit of an emergency buffer. I do, but my wife looks at her, so I have no idea what's there. Cool. You wouldn't even have an estimate if it's $5.10, 15,000? A 20 k? 20.","start_word":680,"end_word":755,"sentiment":"neutral","sentiment_score":0.0015092430403456092},{"text":"That's perfect.","start_word":756,"end_word":757,"sentiment":"positive","sentiment_score":0.40800806879997253},{"text":"Just wanna make sure we're taking that into account. Have you ever gone through bankruptcy or debt agreement before? No. Perfect. We've got your health details. You're still a nonsmoker on Great. high blood blood pressure medication, and you don't have a will in place or anything like that? Great. No.","start_word":758,"end_word":808,"sentiment":"neutral","sentiment_score":0.03748302161693573},{"text":"Beautiful. Alright. So that all seems to be accurate. I'm just gonna put a couple of updates here, and we're good to go. Awesome. Just quickly checking the goals as well.","start_word":809,"end_word":839,"sentiment":"positive","sentiment_score":0.4923095107078552},{"text":"So the main thing when it comes to the superannuation is we have you set to try and retire in around ten to fifteen years. So you're Debbie. still in a very kind of precarious position where you're trying to grow your super enough to have enough to retire on, but you obviously don't wanna risk too much of it that you're losing it very close to retirement. Does that sound about right? Sounds about right. Perfect. Other than that, you're focusing on some travel with the family, might be looking at a a property purchase down the line. Is that correct? Correct.","start_word":840,"end_word":942,"sentiment":"neutral","sentiment_score":0.028421517461538315},{"text":"Beautiful.","start_word":943,"end_word":943,"sentiment":"positive","sentiment_score":0.3364459276199341},{"text":"Okay. So just diving into the super, you've obviously been have you logged into Hub? Have you had a little look at the balance fluctuating, all that kind of thing? Yeah. I do I do on a regular basis. Yep. How regular would you check At the moment, it? daily. At the moment, daily. Oh, you're a bit of a that's a bit of a concern, of course, but I don't blame you, with what's going on. Anytime you see a news article, you can practically log in the next day and see what's happened to the super and see a movement up or down. So it's Well, one of considering those periods. considering it seems to be more of a slide than not, and it's gone down, like, 10% since October. Yeah. Correct. Correct. Now going into risk profile categories, so I just wanna start there for a moment. You're in essentially what's called a balanced growth. So the way I see it when I look at your super is you're kind of like a 3.5 out of five. You're a little bit Yeah. more than medium in terms of risk. Just trying to get that extra little bit of growth, but you're not going into the the growth, high growth, high risk end. You're just Yeah. above medium. Does that make sense? Sounds about right. Yep. So when you're in that balanced growth, you're aiming for around about, say, 75% in growth assets. Shares, Yep.","start_word":944,"end_word":1190,"sentiment":"neutral","sentiment_score":0.017266883243342884},{"text":"property, and gold, a quarter of your super should be in something pretty safe that can get you a nice safe return.","start_word":1191,"end_word":1212,"sentiment":"positive","sentiment_score":0.3496360182762146},{"text":"That's kind of the balancing act. Does that make sense? Yep. Cool. Two things that I can see straight away. 10% of a drop since October, that's a little bit on the high end for a balanced growth. I would have expected Yep. it to be around about 7%. Yep. So that's kind of giving me flag number one. Flag number two, can you ever see the investment options that you have? Have you ever looked at the seven or eight options that we've got you in? I have. I've looked at what the I call it the circle of life. And yeah. Yep. The one I'm pointing at here, I'm hoping you've seen it, is Ben Long Australian Equities. Have you seen that? Yeah. I haven't gone into a lot of detail on it, but, yeah, I have Yep. seen it.","start_word":1213,"end_word":1354,"sentiment":"neutral","sentiment_score":0.05776280909776688},{"text":"Cool. So what I can basically see here is that most of the options have done pretty well.","start_word":1355,"end_word":1372,"sentiment":"positive","sentiment_score":0.48199033737182617},{"text":"Gold and American shares are up. Your safe assets are still doing their thing. They're kind of doing that one to 4% returns, which is what you want to kind of offset all those growth assets that you have. K? So that's point number one. What I can see in that Benelon option is your Australian shares have kind of dropped a little bit faster than what the Australian market has done. So there's around about 21% of your super in Australian shares, and it's going down a little bit quicker than the Aussie market is, if that makes sense. Yeah.","start_word":1373,"end_word":1473,"sentiment":"neutral","sentiment_score":-0.07510080468831676},{"text":"I think that's been that's been really nice about it.","start_word":1474,"end_word":1483,"sentiment":"positive","sentiment_score":0.4564419686794281},{"text":"So yeah. Yep. Absolutely. To be perfectly honest, this Bennelong Fund was top five Australian shares manager three, four years ago across the whole country. They won all the awards, did all the fancy stuff, and then they've seemingly in the last twelve to eighteen months split off from the pack completely, and they've just been dropping, dropping faster than everybody else, which is a concern of mine.","start_word":1484,"end_word":1551,"sentiment":"neutral","sentiment_score":-0.05323876440525055},{"text":"So I think that's what's causing the extra little bit of risk than what we would expect.","start_word":1552,"end_word":1568,"sentiment":"negative","sentiment_score":-0.3682711720466614},{"text":"So that 7% combined up to the 10% is pretty much all down to that one option. Yeah. So we have to fix it. We have to update things. We've already talked to the investment committee around some replacement options for this year for clients, and we've come up with a few. Can I just ask you one quick question? Because, obviously, Veronica, your adviser, and I, we're gonna make some recommendations. But Yep. I do wanna get just a little bit of a style question to you, if that's okay. Mhmm. So you've got two main styles. You've got active and passive. Passive Yep. is more low fee index funds that follows the market very closely, very low investment fees, but you get the return of the market. The active side, you pay a little bit higher fees. They try and pick and choose stocks, try and get a better return than the market. Which way does your sort of gut feeling pull you towards? Right now, passive. Yep.","start_word":1569,"end_word":1738,"sentiment":"neutral","sentiment_score":0.01870502717792988},{"text":"Easy done.","start_word":1739,"end_word":1740,"sentiment":"positive","sentiment_score":0.3527284562587738},{"text":"I do have some good active and passive replacements for this one option. Yep. So I'm more than happy to go low fees, replace that one, get it a bit more in line with the Aussie market, And then I'm gonna do a bit of a deep dive with the team to see if there's any other risks that we're not seeing that may cause some big drops in your fund this year. Okay. Because what I wanna do is I wanna make sure that the risk level that you're in is what you would expect. So in a balanced growth, in a single year, it could go up ten, fifteen, 18%, or it could drop, say, seven to 15 if we had a big crash like a GFC, COVID, that kind of thing. Yep. So to see that 10 very quickly, that's yeah.","start_word":1741,"end_word":1884,"sentiment":"neutral","sentiment_score":0.16110928418735662},{"text":"That's a bit high.","start_word":1885,"end_word":1888,"sentiment":"positive","sentiment_score":0.41765427589416504},{"text":"That's a bit high. Alright. With what Yep. I've seen happen with the markets, if it would have gone down 5%, 6%, I probably wouldn't have worried as much. Yeah. But yeah. Especially when there's still contributions going in and then it's still going backwards. Yeah. Like Correct. that, it's like, wow. One of the cool things at least is as the contributions are going in, we're gonna be buying into the market as it drops.","start_word":1889,"end_word":1964,"sentiment":"neutral","sentiment_score":0.1539025455713272},{"text":"So when it goes up, you're gonna get a nice high return on the way up again.","start_word":1965,"end_word":1981,"sentiment":"positive","sentiment_score":0.4804103076457978},{"text":"Because when I said at the start of the call, you're retiring in ten to fifteen years, you've kind of got, I guess, two market cycles ahead of you. So what I mean by that is stock market grows for five, six years, then it crashes, grows, and then it crashes. So this next seven years for you is to get as much growth out of it as possible to get enough Correct. there for retirement, and then it's a matter of protecting it. So in that last seven years, we go from balanced growth, 75%. We then go to drop you down to sixty, fifty, 40% over those last seven years so that when you do hit sixty, sixty five, 67, you don't lose half of it because the stock market crashed.","start_word":1982,"end_word":2114,"sentiment":"neutral","sentiment_score":0.06417597830295563},{"text":"You can actually retire on it, put it into a pension account, and safely kind of draw down an income.","start_word":2115,"end_word":2134,"sentiment":"positive","sentiment_score":0.34661370515823364},{"text":"Does that make sense? Makes a lot of sense. K. Now just what I was saying before around that balanced growth risk profile, to me, it still seems appropriate for you because, again, the balancing between the time frame and the risk and the returns. Are you comfortable with that profile itself as I've explained it? Yes. Yep. Yep. So let's just make sure we optimize the options, get rid of the bad apple, and make sure there's nothing crazy under the hood that we're not taking to account.","start_word":2135,"end_word":2223,"sentiment":"neutral","sentiment_score":0.13238725066184998},{"text":"Happy with that? Happy about it. Perfect.","start_word":2224,"end_word":2230,"sentiment":"positive","sentiment_score":0.49149131774902344},{"text":"So what I'm gonna do, I'm gonna do an updated advice document for you over the next couple of weeks. I'm gonna put together some research, look at updating some of the options there, then we're gonna walk through it together. I'm gonna run it through with Veronica just so she can see what we're doing. And Yeah. that way, we're very risk conscious, and then just get you back on track for those long term returns. Again, we're still aiming for that kind of eight to 12% average, but, again, let's just address the risk at the moment. Yep. Now when it comes to contributions, I'm gonna base this off what your employer is putting in. Did you want me to consider anything in terms of salary sacrifice or anything like that, or have you got enough priorities for your cash flow at this point? Are there enough other things that are driving me at the moment without that? Yeah. No. That's totally fine. So I'll just try and base it on getting you to that retirement goal based on what your work's putting in and the Yep. growth of the funds.","start_word":2231,"end_word":2423,"sentiment":"neutral","sentiment_score":0.1580105870962143},{"text":"Sounds good.","start_word":2424,"end_word":2425,"sentiment":"positive","sentiment_score":0.4213906228542328},{"text":"Cool. Now Cool. is I had a life insurance set up with TAL that came out of this fund. Is that still I don't think that's happened this year. That's the next thing I was gonna talk to you about. We've got a certificate of currency here, and I'm just having a look at it now. I'm actually gonna email it through to you. We've Yep. got next bill date is the July 20. So you're already paid up for the year. The next one's not for a few months' Okay. time. Okay. Because That's it good. is more than a few months away, you're gonna get a policy anniversary around end of financial year, letting you know what they've altered the policy to look like. Because you know how every year, prices increase, they change your cover amount a little bit. That's Yep. At the moment, let me just check what you've got. You've got TPD insurance. That's total disability for 741,489. So that's your lump sum. If you can never work again, that's pretty Yes. much what you get. That's still a solid 3,600, and it wouldn't surprise me if that was over $4 next anniversary. So I Yeah. need to be conscious of fees as well because if Yeah.","start_word":2426,"end_word":2637,"sentiment":"neutral","sentiment_score":0.025635599211420657},{"text":"that skyrockets while the market's going down, you're gonna get a bit of a double whammy on the way down.","start_word":2638,"end_word":2657,"sentiment":"negative","sentiment_score":-0.38767483830451965},{"text":"Well, that's why it'd be good to see that before that anniversary to then maybe look at what that really looks like to to see what that fee is Yeah. Try Absolutely. to accept me. So yeah. So what I'll do, because we don't have those figures until thirty to sixty days out, I'm gonna Yeah. put in an update discussion for Veronica to have a Yep. chat with you or myself around about May, early June. And as soon as we have those figures, we'll talk you through Yep. the price increase and whether we need to alter that, shop around, trim it down, whatever it needs to be. So at the moment, you're okay for me to just leave that alone for a couple of months? We can leave that alone. Yeah. I just couldn't remember Yep. when the anniversary to that was. Yep. Like, when Twentieth it was coming up. of July. So Yeah. that'll come through to you in the annual review pack as well. I Yeah.","start_word":2658,"end_word":2828,"sentiment":"neutral","sentiment_score":-0.004212426953017712},{"text":"don't see any life insurance income protection trauma cover.","start_word":2829,"end_word":2837,"sentiment":"negative","sentiment_score":-0.49490928649902344},{"text":"It looks like just TPD at this point. Yeah. Yeah. That's it. 741,000 of just lump sum TPD, so there's no life insurance or anything. When we have that updated chat around the insurances, do you want us to look at some quotes for, like, life insurance or something or leave that alone Yeah. for a while? No. We need to look at that too. Okay. Do you want me to look at that now, or are you happy to wait until June? We we can do all that. Actually, no.","start_word":2838,"end_word":2928,"sentiment":"neutral","sentiment_score":-0.06875987350940704},{"text":"Probably start looking at that sooner than later.","start_word":2929,"end_word":2936,"sentiment":"negative","sentiment_score":-0.3399871289730072},{"text":"Sooner rather than later. Okay. So do you want me I to only at I least only get said a that I only said sorry. that because I'm in an age where I have friends at my age, like, in mid fifties who are no longer with me. So yeah. Yeah. The other thing too, your birthday is June 27, isn't it? K. So if you don't get anything in place before then, the next birthday, you get Correct. that increased price, Yes. and that's set for a year. So if we get it done before then, at least you've got that price locked in a little bit earlier. Yep. I Let me just have a quick look here. So thought that was actually part of it with the the thing from Talbot, obviously, not. normally, you can get them both linked together, and it's pretty cheap to have them both combined with a life and TPD insurance is shared. And then you've Yeah. got something called like a buyback. So if you claim on your disability, it depletes your life insurance, but then for, like, $20 a month, you can fill it back up again. Yep. So do you want me to just look at a bit of a quote for, like, an equal amount of life insurance to the TPD? Yes, please. K. So I'll do that with Tau. I will just do my normal check where we just attack the software and see if there's any other providers out there that are more appropriate or offering Yep. a better deal. If we're gonna do that, can I just check with you as well Sure. health wise? The Yep. the high blood pressure, is that still been pretty well maintained with the medication?","start_word":2937,"end_word":3231,"sentiment":"neutral","sentiment_score":0.014850445350600502},{"text":"Absolutely. Cool.","start_word":3232,"end_word":3233,"sentiment":"positive","sentiment_score":0.4158928692340851},{"text":"So normal ratings and everything like that? Yeah.","start_word":3234,"end_word":3241,"sentiment":"neutral","sentiment_score":0.2895880341529846},{"text":"Perfect.","start_word":3242,"end_word":3242,"sentiment":"positive","sentiment_score":0.597169041633606},{"text":"Has anything else happened to you in the last three, six, nine months? Any new diagnosis or injuries or illnesses? Nope.","start_word":3243,"end_word":3263,"sentiment":"neutral","sentiment_score":0.10174840688705444},{"text":"Perfect.","start_word":3264,"end_word":3264,"sentiment":"positive","sentiment_score":0.49330127239227295},{"text":"Kelsey at the gym three, four days a week.","start_word":3265,"end_word":3273,"sentiment":"neutral","sentiment_score":0.3175266981124878},{"text":"So yeah. Perfect.","start_word":3274,"end_word":3276,"sentiment":"positive","sentiment_score":0.4643647372722626},{"text":"One thing we can do if you're comfortable is we can do a pre assessment where we'll go through those medical questions anonymously, Yep. and then we can shoot that out to the insurers and see if anything will be an issue. Mhmm. That can save us a bit of an issue than just submitting an application if you wanna do that. Yep. That that's fine. Cool. Can I just get from you updated height and weight as well? I just wanna double check BMI your a Yeah. hundred and eighty two centimeters. Probably one eighty one. I think that's shrunken here. Yeah. No. That's fair. We all do. And what about weight in kilos or pounds, whatever you're used to? Yeah. Yeah. Killers. One fee. $1.20.","start_word":3277,"end_word":3403,"sentiment":"neutral","sentiment_score":0.1003166362643242},{"text":"Thank you for that.","start_word":3404,"end_word":3407,"sentiment":"positive","sentiment_score":0.3528711199760437},{"text":"It'll give you a bit higher than that. $35.36, something like that. Okay. Let me just have a little look at the calculator because I know TAL's got discounts for a certain range, and some providers are better than others. TAL has a very lenient range. Yep. So Yep. even people like 40, 42, they they still offer cover. I just wanna avoid some, like, loadings because they can increase Yes. your price by 50 to a 100%, and the last thing you need is $10 coming out. Alright. Plug this in. Alright. 36.6. So we're a little bit on the borderline side, but TEL is still usually the best for that. Maybe a bit of a loading. So what I'll do is I'll get a bit of a quote drawn up while I go through this portfolio update with you. Do you have, like, twenty minutes or so that I can book you in to go through those medical questions with the team? Mhmm.","start_word":3408,"end_word":3572,"sentiment":"neutral","sentiment_score":0.03608714864222389},{"text":"Probably not today. Absolutely not today.","start_word":3573,"end_word":3578,"sentiment":"negative","sentiment_score":-0.4088272154331207},{"text":"More just any day that sort of suits you. We do have some late nights available and things like that. You can probably do tomorrow afternoon. Tomorrow afternoon could do. Are you guys still on daylight savings for, like, a week? We are until this weekend. Oh, no. I finished Alright. this weekend.","start_word":3579,"end_word":3631,"sentiment":"neutral","sentiment_score":0.0005594909889623523},{"text":"Perfect.","start_word":3632,"end_word":3632,"sentiment":"positive","sentiment_score":0.5919235944747925},{"text":"So I'll I'll take into account that hour difference when I book in. What's a good time tomorrow afternoon for you? Probably somewhere around two 02:30. Yep. 02:30. And you said it only takes about half an hour? Twenty Yeah. minutes. Yeah. It's just running through those those health questions. We've already got most of the info, Yeah.","start_word":3633,"end_word":3690,"sentiment":"neutral","sentiment_score":0.15621572732925415},{"text":"and I'll tell the team to keep it nice and short and sweet for you.","start_word":3691,"end_word":3705,"sentiment":"positive","sentiment_score":0.34585249423980713},{"text":"So 02:30 your time. That's 01:30 Queensland time. What I'll do is I'll get the team to send you a bit of a heads up text. We should have someone available then. If not, we'll let you know straight away.","start_word":3706,"end_word":3745,"sentiment":"neutral","sentiment_score":0.07918765395879745},{"text":"Perfect.","start_word":3746,"end_word":3746,"sentiment":"positive","sentiment_score":0.4352984130382538},{"text":"Alright. Now beyond that, mate, we've gone through a few things today. I'll give you the usual reminders for sorting out the will and the power of attorney when I give you that Yes. updated advice document. I mean, if you're comfortable with it, you don't have to go to a solicitor. You can talk to the public trustee of New South Wales, you know, the court the courtrooms, Yep. do wills as well. Post office, there's $25 will kits if you're that way inclined. And if there's any info you want on estate planning, more than happy to talk you through it as well. Yeah.","start_word":3747,"end_word":3852,"sentiment":"neutral","sentiment_score":0.19677336513996124},{"text":"Cool. Cool.","start_word":3853,"end_word":3854,"sentiment":"positive","sentiment_score":0.3957616686820984},{"text":"And because all the kids are Yep. over 18, it's it's pretty standard. Right? Your partner receives the super at the moment and the life insurance when we put that in place, and then eventually, it filters down to the adult children. Mhmm. Yep.","start_word":3855,"end_word":3898,"sentiment":"neutral","sentiment_score":0.1876001866026358},{"text":"Perfect. Alrighty, mate.","start_word":3899,"end_word":3901,"sentiment":"positive","sentiment_score":0.497505247592926},{"text":"Any questions for me at this point? Not really. Your your fees as a whole, are they calculated based on what you do in a in a month? Is it based on what my balance is? How does that work? So it's based on a percentage of the balance. So as the balance goes up or goes down, the fees are paid sort of monthly because, obviously, one year lump sum, that's a bit extreme. Spread it out through the year to minimize the impact. So it's 1.65% for the year Yep. split into Yep. the Yep. monthlies. And then as the balance fluctuates, it just follows it on a monthly basis. Once you get to 600,000, it does flatline. There is a cap because we do have those clients, 1,000,000, 2,000,000, 3,000,000 Yep. dollars. Again, Yep. we're good at what we do on this side, but $30 is is probably a bit high. So the caps when you hit 600,000, and, yes, it follows up and down monthly. Yep. Okay. Because K. even So though it's that's the reason I ask is even though it's dropped, like, 10%, it looked as though your fees have actually gone up. Like, I've actually Really? paid more in a month where it had gone down than a month where it had gone up. I'm gonna have a look at that because that's that should not be the case. It should be pretty well pegged alongside it. Let me just have a quick little look. And thank you for raising that. Let me just have a look at your transaction history, make sure there's nothing crazy going on. I've got contributions coming in from Grace Removals. Fantastic. When is the last adviser fees we had? March 4, March and then April. So it dropped about $50 for the month between February and March. I don't know why. Yeah. I must have seen something. It just it didn't look right. Don't know if maybe you're thinking of Maybe it I just mean, didn't. there's obviously the hub Yes. fees as well that come out, but then you've got the rebate comes in as well, and then the tax liabilities from the contributions and and growth comes out of it as well. One of the things that I've got to do too is when we update your plan and we give you some updated projections is we'll Yes. factor in taxes, fees, and insurance premiums just so we can take all that into account as well, Yes.","start_word":3902,"end_word":4323,"sentiment":"neutral","sentiment_score":-0.0015343761256944512},{"text":"Make sure we're still getting you into a better position when all is said and done.","start_word":4324,"end_word":4339,"sentiment":"positive","sentiment_score":0.47666284441947937},{"text":"Alright, Jason. I wanna check with you as well because we're gonna have a bit of a catch up towards June, July, and we've got a Mhmm. few things to do. Do you want me to kind of just set you up for a bit of a quarterly contact this year, or or once this first half of the year is done, would you prefer to kind of let that go for six months? I think quarterly probably could just to explore for the of how things are changing so rapidly. Yep. Yeah. Yep.","start_word":4340,"end_word":4433,"sentiment":"neutral","sentiment_score":0.08286235481500626},{"text":"Absolutely.","start_word":4434,"end_word":4434,"sentiment":"positive","sentiment_score":0.342904269695282},{"text":"So we've had that chat today. I'll go through that updated advice document with you once I've got the quotes and research done for the portfolio, and then we'll have a bit of a chat around May, early June for the changes Yes. in the TPD insurance. And then after that, we can pretty much roll on, you know, August, September, Christmas after that. Mhmm. Yeah. No. That Cool.","start_word":4435,"end_word":4503,"sentiment":"neutral","sentiment_score":0.15476424992084503},{"text":"sounds good. Easy.","start_word":4504,"end_word":4506,"sentiment":"positive","sentiment_score":0.45092540979385376},{"text":"Now I do have to ask you all important question. Are you still comfortable for us to look after the super at this point for this Yes. year? Yep. So I'll send you through that annual review pack to your email. It has a summary of the super insurance just to let you know, like, what accounts you've got, balances Yes. based on the day. You've got your portfolio performance. You've got financial services guide with us because we do update licensing details every year. All of your consumer protections are in that one. We've got some pretty in-depth reports for your super. Bit of a Vanguard chart if you're curious about how the markets go. Your certificate of currency for Yep. the TPD insurance, not that something's gonna happen, but if you if something does happen and you do need a claim on that towel insurance, you can Yes. give us a call, and we'll help you through the claims process. And Oh. we do do a lot of, you know, disability advice. Someone who's been in a car accident can never work again. Here's a million dollars. How do you make it last? So we're Yep. available for the claims and what to do with it afterwards. And I'm just looking through the documents. There should also be one other one I wanted to run by you is a like, it should be like a tax file number declaration. We're trying to be careful with housing people's sensitive information. So Yes. usually, we keep your tax phone number on just the one document now and just need to make sure you we've got your consent to utilize it at the time. You should have it. Yep. I think we've already got it. I was just scrolling through the pack, and it's not in there at the moment. So I think we already have it in place. Yeah. I'm Cool. very surprised that that's in from tell that it's not life insurance because that was originally what I asked for. Okay. One thing I'll do when I go to get the quotes is I'm just gonna scroll back through your file and find out how you just got TPD policy in place. Yep. I'll I'll kind of go through the history a little bit and see what I can find.","start_word":4507,"end_word":4897,"sentiment":"neutral","sentiment_score":0.07345063082130669},{"text":"Awesome.","start_word":4898,"end_word":4898,"sentiment":"positive","sentiment_score":0.4718244671821594},{"text":"Email address, the y seven mail for you, Jason Mall. That's fine. Yep. Yeah. That's okay. Alright. I'll pop that through to you shortly. If you have any questions, let me know. The team will be in touch in a few weeks just to get you booked in to go through that updated advice document. Yeah.","start_word":4899,"end_word":4954,"sentiment":"neutral","sentiment_score":0.2167610079050064},{"text":"Alright. Fabulous. Awesome, Jason.","start_word":4955,"end_word":4958,"sentiment":"positive","sentiment_score":0.5437464118003845},{"text":"Anything else I can help you with, mate? Mate, no. Appreciate your time this afternoon.","start_word":4959,"end_word":4973,"sentiment":"neutral","sentiment_score":0.18129253387451172},{"text":"You too. I appreciate you jumping from call to call. And we have just kept it to twenty eight minutes, so right on time. Awesome. I'm about to jump into another Teams meeting, so that worked well. No worries at all, mate. I'll talk to you soon, mate. Thank you so much. Cheers. Thank Bye.","start_word":4974,"end_word":5028,"sentiment":"positive","sentiment_score":0.5587424039840698},{"text":"you. Bye.","start_word":5029,"end_word":5030,"sentiment":"neutral","sentiment_score":0.19797782599925995}],"average":{"sentiment":"neutral","sentiment_score":0.07043841822365846}}}}