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Mate, I had a bit of a free slot today, so I was just reaching out to see if you have some time to go through an annual review or if I could get you booked in with me. Yep. That's no worries at all. Thank you so much for taking the time. I'll just pass you through a quick security check, and then I'll just send you through an email as well. Will you be able to look onto the email pack with me today, or should I just give you a bit of a brief walk through? Oh, fair enough. That's perfect. Now just for the security of your information, I'm registered with AptiveAdviser 1273105. Could I please just confirm your date of birth address? Mhmm. Thank you. And just residential address as well, please. Perfect. Thank you so much for that, Scott. And just to let you know, the calls are recorded for training and quality purposes. Perfect. So what I was wanting to kind of go through with you today was a bit of a detailed update just to see how things have been tracking with you for what we have on file, let you know kind of what's going on in the market and the superannuation space, and then just quickly touch base on the insurances and the estate planning side thing, if that's okay with you. Perfect. Now we do have you listed down as an analyst and planning manager. Would that still be your your occupation time? Yep. And we had your income at about 60,000, but I know we've just gone past end of financial year. Do you know if that's changed? Yep. K. 92 gross. Thank you for that. And I didn't have the employer name listed. Just wondering if I could grab that from you as well. Oh, cool. Yeah. Yep. My wife works for Shoes and Soft, one of the consignment stores inside the Myer Tennis for kids shoes. So I think it is My Group Limited. Perfect. I'll put that in for the time being, and I'll double check that. We're still just waiting for the rest super to send a full rundown through, but they were able to give us a lot of the information that we needed. Last couple of things I'll just check with you, and I'll swing over into the super there is just in terms of marital status, dependents. We had you single there with no dependents, and Lisa, your sister, listed as your next of kin. Does that sound correct? We you had both listed, I believe, as beneficiary for the super, Lisa and Carrie. Yep. So they're listed as beneficiaries. We just had Lisa listed as, like, an emergency contact in case anything happens. Perfect. And I was just quickly wondering, do you, by chance, have her phone number handy that I can add on to your file? Thank you, Scott. Yes, Carrefour. It. Zero four one seven one one nine six 72. Beautiful. Got that added. Thank you so much for that. And the last couple of things I was gonna check is just in terms of assets and estate planning. So we've got the beneficiaries in place, but I don't believe you put in place, like, a will or a power of attorney or anything like that. K. No worries. Yeah. If it is helpful, you can get, like like, government approved will kits and power of attorney kits from Australia Post for about $25 a pop. And we do have some lawyers that give kind of discounted packages to do them online if you would find that helpful. I can send a bit of a brochure through to you. No worries. And lastly, in terms of assets, so I'm kind of doing a bit of, like, rent vesting a little bit where you were renting, had a couple of cars, and had some colonial first day investments that you were growing. Is that correct? Yep. Cool. So I think I had the strategic at about 20 previously and 30 in colonial. Should I leave that as is for now? Yep. Perfect. Are you looking for any investment advice this year, or should we just focus on the superannuation at this point? Perfect. So what I'll do is I'm already looking at making a few updates to the super. So I'd like to just briefly discuss what I'm thinking with you. I'll put together an updated plan for you. And then once we go through that, we can always touch base on the personal investment if if you'd prefer that way. Perfect. While I dive into the super here, so I'm just having a quick look at the data we pulled from from rest. We've got a little bit of insurances attached. They're sitting at 120,000 of life insurance, 30 of total disability, 2,000 a month worth of income protection, and I believe that was kept in place due to, like, previous heart attack and things like that. So I just wanted to double check. Are we still just keeping that in force? Are you looking for any quotes or changes there? Mhmm. Yes. Yeah. So what we can do there, I usually do a bit of a buffer where you have to keep a 6,000 minimum to keep the account open. I usually do about two years worth of premiums and a 20% buffer for the market movements just to make sure if premiums go up and the stock market goes down, there's no risk of it kind of closing or lapsing due to market movements. So I'm thinking probably about 10,000 to keep in there would be a safe amount for this year. It's sitting at about $27.28 depending on the fluctuation of the unit prices. In addition to that too, so with your Netwealth super, you would have received an email earlier in the year, a record of advice that we sent through to all clients who were invested in a Benelon investment option. Do you recall seeing that email at all? No. I can imagine. Yeah. Yeah. That's okay. So to sort of let you know what happened there in the background is when the markets were kind of dropping around February, March with the Iran war kicking off, we noticed one of the investment options was kind of dropping faster than the wider market was, and it wasn't rebounding in the way that we would expect it to. So rather than just waiting for an annual review, doing an updated strategy document, we met with the investment committee and made a decision across the whole client base to divest everyone from that option to sort of stop that from continuing. So we actually sold you out of that one, moved some of the funds into to, like, a lower fee Australian share option, and kept a little bit of cash off to the side until we could kind of speak to you and talk about a bit of an updated plan and strategy, if that makes sense. So what I'm thinking at the moment is everything in your Netwealth Super is pretty much a passive low fee ETFs at the moment, especially since we divested out of Benelux. So if you're comfortable with that style of getting that kind of, you know, primarily capital growth, but with low investment fees, I can keep that style there, but just kind of rebalance the investments a little bit, deploy some of that cash that's been sitting off to the side if you're comfortable with that too. The last two things I wanna do as well is in the rest investment, they do have a pretty decent growth index fund now that has finally built a bit of a track record. So I'm thinking of just doing a bit of a side step of the investments from the current growth investment it's in into a bit of a lower fee index fund with a bit better performance. So whatever funds are still sitting there, they're just growing a little bit better with a little bit less fees coming out of them. If you'd be okay for me to research that for you. Cool. So I'll put that together in an updated plan just comparing the rebalance of net wealth, the investments which would rest, and a bit of a movement of funds between the two accounts. And then in a few weeks' time, we'll get you booked in and just run through that plan together, make sure you're comfortable before we touch touch anything. Any issues on your end in terms of that growth risk profile? So you're still at that kind of four out of five level. You're not high risk, but you're not in the middle. You're still focusing mostly on trying to get that last bit of, you know, high capital growth. I do note that we've got about eleven to fourteen years until retirement. So I'm just trying to gauge, are you okay to kind of spend the next few years still focusing mostly on growth with an aim to kind of reduce risk gradually as you get closer to retirement? Yeah. And one of the interesting things about this period of life is that because now you've built up that kind of 350,000 in super. You've got such a big base. If you get a good return for a few years of that 10 to 15%, you're gonna start to see it grow up to four, five, six, seven, eight hundred thousand dollars very quickly. But at the same time, you don't have that decade to kind of protect it if the market crashes a few years before retirement. So we're kind of at that last period of growth and then trying to time protecting it before anything too serious happens in the last five to seven years. Perfect. Last question is just in terms of contributions there, do you want me to model it based on just what your employer is putting in? Are you intending to do any salary for price this year? Perfect. Is there any other kind of major cash flow priority to you besides the investment that you're you're managing that I I can note down as a goal for you? Cool. So we'll clean up the super then. Yep. I'm with you. What I'll do is I'll pencil in. So as soon as we go through the updated super plan, I will just kind of extend that meeting out just a little bit to talk about the personal investment side of things. Or if you don't have time for that at the time, I'll just book in again before Christmas time to go through that with you. Might have a few ideas that I can send you away. Awesome. And one last little lovely present from Oakview is Michelle had sent you through a consent form with Netwealth to remain advisers with the kind of standard fee structure for Oakview, the 1.65%. We have released PFE discounts. All clients who are above 200,000, they start to get a discount between 2 and 500. And for 500,000 above, there's a further discount. So I just wanted to kind of let you know that my intention is to send you through one of the discounted fee structures, but I did need to just briefly explain to you that it is a flat structure. So rather than fluctuating with your balance, it is a lower percentage, but locked in for twelve months at a time. Again, I'll send that through to kind of have a look at. If you've got any questions, just let us know. We can have a chat again for that statement of advice as well. But if you're okay with that idea, I can kind of just add it to the annual review pack for you to look Yep. Awesome. Any questions for me so far, sir? Cool. The last thing I'll let you know is inside the pack itself, it's got, like, the performance figures, the summary of all your products. We have included a tax file number opt in form just to make sure you're still comfortable for us to hold that number because it is quite important. And alongside that updated consent form, there is also an updated service side, which towards the second half of the document, it fully breaks down the new tier fee structure. Structure. So if you wanna kind of see what that looks like, you just go into the financial services guy. Awesome. But that's pretty much everything I had for today. Is there anything else I can do before I let you go? No. So I'll grab it back up there with you for one moment. So you've got $3.20 in net wealth and about 20 8 in rep, so just shy of $3.50. Happy with that? Awesome. Alright, mate. I do really appreciate you taking the time to talk to me while you're at work. I try to keep it as brief as possible, but I will update that review pack through to your it's your Gmail account. Is that okay to use as your primary email still? Awesome. Mate, thank you so much for your time. Have a fantastic day, and we'll reach out in the next fortnight to book you in for the updated plan. Yep. Yep. No. That's no worries at all. I've been staring at the daylight savings cost daily even though I'm not not for a few weeks, and I keep thinking, oh, is it today? Is it today? No. The first Sunday I've got, I think. I'll keep that in mind. Yeah. We're pretty good with converting it. Not a 100 percent accuracy, but about 98%, we're pretty good with it. But we'll send you, when we do book it in, like a a text message reminder as well with both times. And if anything is a missed day, just reply back. Awesome, mate. Thank you so much for your time, and I'll see you later. Yes. 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Scott. It's Tommy here from Oakview Financial, one of the senior advisers, mate. How are you doing? I'm doing fantastic. Thank you for asking.\n\nMate, I had a bit of a free slot today, so I was just reaching out to see if you have some time to go through an annual review or if I could get you booked in with me. Yep. That's no worries at all. Thank you so much for taking the time. I'll just pass you through a quick security check, and then I'll just send you through an email as well.\n\nWill you be able to look onto the email pack with me today, or should I just give you a bit of a brief walk through? Oh, fair enough. That's perfect. Now just for the security of your information, I'm registered with AptiveAdviser 1273105. Could I please just confirm your date of birth address?\n\nMhmm. Thank you. And just residential address as well, please. Perfect. Thank you so much for that, Scott.\n\nAnd just to let you know, the calls are recorded for training and quality purposes. Perfect. So what I was wanting to kind of go through with you today was a bit of a detailed update just to see how things have been tracking with you for what we have on file, let you know kind of what's going on in the market and the superannuation space, and then just quickly touch base on the insurances and the estate planning side thing, if that's okay with you. Perfect. Now we do have you listed down as an analyst and planning manager.\n\nWould that still be your your occupation time? Yep. And we had your income at about 60,000, but I know we've just gone past end of financial year. Do you know if that's changed? Yep.\n\nK. 92 gross. Thank you for that. And I didn't have the employer name listed. Just wondering if I could grab that from you as well.\n\nOh, cool. Yeah. Yep. My wife works for Shoes and Soft, one of the consignment stores inside the Myer Tennis for kids shoes. So I think it is My Group Limited.\n\nPerfect. I'll put that in for the time being, and I'll double check that. We're still just waiting for the rest super to send a full rundown through, but they were able to give us a lot of the information that we needed. Last couple of things I'll just check with you, and I'll swing over into the super there is just in terms of marital status, dependents. We had you single there with no dependents, and Lisa, your sister, listed as your next of kin.\n\nDoes that sound correct? We you had both listed, I believe, as beneficiary for the super, Lisa and Carrie. Yep. So they're listed as beneficiaries. We just had Lisa listed as, like, an emergency contact in case anything happens.\n\nPerfect. And I was just quickly wondering, do you, by chance, have her phone number handy that I can add on to your file? Thank you, Scott. Yes, Carrefour. It.\n\nZero four one seven one one nine six 72. Beautiful. Got that added. Thank you so much for that. And the last couple of things I was gonna check is just in terms of assets and estate planning.\n\nSo we've got the beneficiaries in place, but I don't believe you put in place, like, a will or a power of attorney or anything like that. K. No worries. Yeah. If it is helpful, you can get, like like, government approved will kits and power of attorney kits from Australia Post for about $25 a pop.\n\nAnd we do have some lawyers that give kind of discounted packages to do them online if you would find that helpful. I can send a bit of a brochure through to you. No worries. And lastly, in terms of assets, so I'm kind of doing a bit of, like, rent vesting a little bit where you were renting, had a couple of cars, and had some colonial first day investments that you were growing. Is that correct?\n\nYep. Cool. So I think I had the strategic at about 20 previously and 30 in colonial. Should I leave that as is for now? Yep.\n\nPerfect. Are you looking for any investment advice this year, or should we just focus on the superannuation at this point? Perfect. So what I'll do is I'm already looking at making a few updates to the super. So I'd like to just briefly discuss what I'm thinking with you.\n\nI'll put together an updated plan for you. And then once we go through that, we can always touch base on the personal investment if if you'd prefer that way. Perfect. While I dive into the super here, so I'm just having a quick look at the data we pulled from from rest. We've got a little bit of insurances attached.\n\nThey're sitting at 120,000 of life insurance, 30 of total disability, 2,000 a month worth of income protection, and I believe that was kept in place due to, like, previous heart attack and things like that. So I just wanted to double check. Are we still just keeping that in force? Are you looking for any quotes or changes there? Mhmm.\n\nYes. Yeah. So what we can do there, I usually do a bit of a buffer where you have to keep a 6,000 minimum to keep the account open. I usually do about two years worth of premiums and a 20% buffer for the market movements just to make sure if premiums go up and the stock market goes down, there's no risk of it kind of closing or lapsing due to market movements. So I'm thinking probably about 10,000 to keep in there would be a safe amount for this year.\n\nIt's sitting at about $27.28 depending on the fluctuation of the unit prices. In addition to that too, so with your Netwealth super, you would have received an email earlier in the year, a record of advice that we sent through to all clients who were invested in a Benelon investment option. Do you recall seeing that email at all? No. I can imagine.\n\nYeah. Yeah. That's okay. So to sort of let you know what happened there in the background is when the markets were kind of dropping around February, March with the Iran war kicking off, we noticed one of the investment options was kind of dropping faster than the wider market was, and it wasn't rebounding in the way that we would expect it to. So rather than just waiting for an annual review, doing an updated strategy document, we met with the investment committee and made a decision across the whole client base to divest everyone from that option to sort of stop that from continuing.\n\nSo we actually sold you out of that one, moved some of the funds into to, like, a lower fee Australian share option, and kept a little bit of cash off to the side until we could kind of speak to you and talk about a bit of an updated plan and strategy, if that makes sense. So what I'm thinking at the moment is everything in your Netwealth Super is pretty much a passive low fee ETFs at the moment, especially since we divested out of Benelux. So if you're comfortable with that style of getting that kind of, you know, primarily capital growth, but with low investment fees, I can keep that style there, but just kind of rebalance the investments a little bit, deploy some of that cash that's been sitting off to the side if you're comfortable with that too. The last two things I wanna do as well is in the rest investment, they do have a pretty decent growth index fund now that has finally built a bit of a track record. So I'm thinking of just doing a bit of a side step of the investments from the current growth investment it's in into a bit of a lower fee index fund with a bit better performance.\n\nSo whatever funds are still sitting there, they're just growing a little bit better with a little bit less fees coming out of them. If you'd be okay for me to research that for you. Cool. So I'll put that together in an updated plan just comparing the rebalance of net wealth, the investments which would rest, and a bit of a movement of funds between the two accounts. And then in a few weeks' time, we'll get you booked in and just run through that plan together, make sure you're comfortable before we touch touch anything.\n\nAny issues on your end in terms of that growth risk profile? So you're still at that kind of four out of five level. You're not high risk, but you're not in the middle. You're still focusing mostly on trying to get that last bit of, you know, high capital growth. I do note that we've got about eleven to fourteen years until retirement.\n\nSo I'm just trying to gauge, are you okay to kind of spend the next few years still focusing mostly on growth with an aim to kind of reduce risk gradually as you get closer to retirement? Yeah. And one of the interesting things about this period of life is that because now you've built up that kind of 350,000 in super. You've got such a big base. If you get a good return for a few years of that 10 to 15%, you're gonna start to see it grow up to four, five, six, seven, eight hundred thousand dollars very quickly.\n\nBut at the same time, you don't have that decade to kind of protect it if the market crashes a few years before retirement. So we're kind of at that last period of growth and then trying to time protecting it before anything too serious happens in the last five to seven years. Perfect. Last question is just in terms of contributions there, do you want me to model it based on just what your employer is putting in? Are you intending to do any salary for price this year?\n\nPerfect. Is there any other kind of major cash flow priority to you besides the investment that you're you're managing that I I can note down as a goal for you? Cool. So we'll clean up the super then. Yep.\n\nI'm with you. What I'll do is I'll pencil in. So as soon as we go through the updated super plan, I will just kind of extend that meeting out just a little bit to talk about the personal investment side of things. Or if you don't have time for that at the time, I'll just book in again before Christmas time to go through that with you. Might have a few ideas that I can send you away.\n\nAwesome. And one last little lovely present from Oakview is Michelle had sent you through a consent form with Netwealth to remain advisers with the kind of standard fee structure for Oakview, the 1.65%. We have released PFE discounts. All clients who are above 200,000, they start to get a discount between 2 and 500. And for 500,000 above, there's a further discount.\n\nSo I just wanted to kind of let you know that my intention is to send you through one of the discounted fee structures, but I did need to just briefly explain to you that it is a flat structure. So rather than fluctuating with your balance, it is a lower percentage, but locked in for twelve months at a time. Again, I'll send that through to kind of have a look at. If you've got any questions, just let us know. We can have a chat again for that statement of advice as well.\n\nBut if you're okay with that idea, I can kind of just add it to the annual review pack for you to look Yep. Awesome. Any questions for me so far, sir? Cool. The last thing I'll let you know is inside the pack itself, it's got, like, the performance figures, the summary of all your products.\n\nWe have included a tax file number opt in form just to make sure you're still comfortable for us to hold that number because it is quite important. And alongside that updated consent form, there is also an updated service side, which towards the second half of the document, it fully breaks down the new tier fee structure. Structure. So if you wanna kind of see what that looks like, you just go into the financial services guy. Awesome.\n\nBut that's pretty much everything I had for today. Is there anything else I can do before I let you go? No. So I'll grab it back up there with you for one moment. So you've got $3.20 in net wealth and about 20 8 in rep, so just shy of $3.50.\n\nHappy with that? Awesome. Alright, mate. I do really appreciate you taking the time to talk to me while you're at work. I try to keep it as brief as possible, but I will update that review pack through to your it's your Gmail account.\n\nIs that okay to use as your primary email still? Awesome. Mate, thank you so much for your time. Have a fantastic day, and we'll reach out in the next fortnight to book you in for the updated plan. Yep.\n\nYep. No. That's no worries at all. I've been staring at the daylight savings cost daily even though I'm not not for a few weeks, and I keep thinking, oh, is it today? Is it today?\n\nNo. The first Sunday I've got, I think. I'll keep that in mind. Yeah. We're pretty good with converting it.\n\nNot a 100 percent accuracy, but about 98%, we're pretty good with it. But we'll send you, when we do book it in, like a a text message reminder as well with both times. And if anything is a missed day, just reply back. Awesome, mate. Thank you so much for your time, and I'll see you later.\n\nYes. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Scott.","start":2.6399999,"end":3.28,"sentiment":"neutral","sentiment_score":0.1252061165869236},{"text":"It's Tommy here from Oakview Financial, one of the senior advisers, mate.","start":3.28,"end":6.3999996,"sentiment":"neutral","sentiment_score":0.14757455388704935},{"text":"How are you doing?","start":6.3999996,"end":7.14,"sentiment":"neutral","sentiment_score":0.18996023014187813},{"text":"I'm doing fantastic.","start":9.36,"end":10.5,"sentiment":"positive","sentiment_score":0.8033475081125895},{"text":"Thank you for asking.","start":10.559999,"end":11.54,"sentiment":"positive","sentiment_score":0.7956463545560837}],"sentiment":"positive","sentiment_score":0.33495102971792223,"num_words":25,"start":2.6399999,"end":11.54},{"sentences":[{"text":"Mate, I had a bit of a free slot today, so I was just reaching out to see if you have some time to go through an annual review or if I could get you booked in with me.","start":12.0,"end":20.585,"sentiment":"neutral","sentiment_score":0.19584233027238113},{"text":"Yep.","start":29.54,"end":30.04,"sentiment":"neutral","sentiment_score":0.09309262037277222},{"text":"That's no worries at all.","start":39.245003,"end":40.205,"sentiment":"positive","sentiment_score":0.37448071241378783},{"text":"Thank you so much for taking the time.","start":40.205,"end":41.985,"sentiment":"positive","sentiment_score":0.6900113672018051},{"text":"I'll just pass you through a quick security check, and then I'll just send you through an email as well.","start":42.365,"end":47.425,"sentiment":"positive","sentiment_score":0.3570199817419052}],"sentiment":"neutral","sentiment_score":0.30498407719886467,"num_words":73,"start":12.0,"end":47.425},{"sentences":[{"text":"Will you be able to look onto the email pack with me today, or should I just give you a bit of a brief walk through?","start":47.805,"end":52.29,"sentiment":"neutral","sentiment_score":0.1718361581174227},{"text":"Oh, fair enough.","start":61.49,"end":62.47,"sentiment":"neutral","sentiment_score":0.04089114690820376},{"text":"That's perfect.","start":69.945,"end":70.765,"sentiment":"positive","sentiment_score":0.6033707857131958},{"text":"Now just for the security of your information, I'm registered with AptiveAdviser 1273105.","start":70.905,"end":77.085,"sentiment":"neutral","sentiment_score":0.08083413569973065},{"text":"Could I please just confirm your date of birth address?","start":77.145,"end":79.565,"sentiment":"neutral","sentiment_score":0.042687682434916496}],"sentiment":"neutral","sentiment_score":0.13471992058610474,"num_words":54,"start":47.805,"end":79.565},{"sentences":[{"text":"Mhmm.","start":87.479996,"end":87.979996,"sentiment":"neutral","sentiment_score":0.04919924959540367},{"text":"Thank you.","start":89.64,"end":90.28,"sentiment":"neutral","sentiment_score":0.17035628855228424},{"text":"And just residential address as well, please.","start":90.28,"end":92.535,"sentiment":"neutral","sentiment_score":0.06254614197782107},{"text":"Perfect.","start":103.895004,"end":104.395004,"sentiment":"positive","sentiment_score":0.5239788293838501},{"text":"Thank you so much for that, Scott.","start":104.455,"end":105.93,"sentiment":"positive","sentiment_score":0.6891008274895805}],"sentiment":"positive","sentiment_score":0.3430788579086463,"num_words":18,"start":87.479996,"end":105.93},{"sentences":[{"text":"And just to let you know, the calls are recorded for training and quality purposes.","start":106.33,"end":110.27,"sentiment":"neutral","sentiment_score":0.25534180700778963},{"text":"Perfect.","start":113.61,"end":114.11,"sentiment":"neutral","sentiment_score":0.05301116779446602},{"text":"So what I was wanting to kind of go through with you today was a bit of a detailed update just to see how things have been tracking with you for what we have on file, let you know kind of what's going on in the market and the superannuation space, and then just quickly touch base on the insurances and the estate planning side thing, if that's okay with you.","start":114.25,"end":133.465,"sentiment":"neutral","sentiment_score":0.10718013828908893},{"text":"Perfect.","start":135.445,"end":135.945,"sentiment":"positive","sentiment_score":0.5642416477203369},{"text":"Now we do have you listed down as an analyst and planning manager.","start":136.56,"end":141.46,"sentiment":"neutral","sentiment_score":0.10354284483652848}],"sentiment":"neutral","sentiment_score":0.1327052150696221,"num_words":101,"start":106.33,"end":141.46},{"sentences":[{"text":"Would that still be your your occupation time?","start":141.52,"end":144.1,"sentiment":"neutral","sentiment_score":0.03472181665711105},{"text":"Yep.","start":147.44,"end":147.94,"sentiment":"neutral","sentiment_score":0.07157853990793228},{"text":"And we had your income at about 60,000, but I know we've just gone past end of financial year.","start":148.0,"end":153.45499,"sentiment":"neutral","sentiment_score":-0.009732629515622792},{"text":"Do you know if that's changed?","start":153.45499,"end":154.83499,"sentiment":"neutral","sentiment_score":-0.020115745564301808},{"text":"Yep.","start":164.33499,"end":164.73,"sentiment":"neutral","sentiment_score":0.05857338756322861}],"sentiment":"neutral","sentiment_score":0.002923200758440154,"num_words":35,"start":141.52,"end":164.73},{"sentences":[{"text":"K.","start":165.61,"end":166.09,"sentiment":"neutral","sentiment_score":0.035941705107688904},{"text":"92 gross.","start":166.09,"end":167.29,"sentiment":"neutral","sentiment_score":0.09317633882164955},{"text":"Thank you for that.","start":167.29,"end":168.43,"sentiment":"positive","sentiment_score":0.6132703870534897},{"text":"And I didn't have the employer name listed.","start":169.12999,"end":171.95,"sentiment":"neutral","sentiment_score":0.10281071811914444},{"text":"Just wondering if I could grab that from you as well.","start":172.65,"end":174.98999,"sentiment":"neutral","sentiment_score":0.09716846760023724}],"sentiment":"neutral","sentiment_score":0.17564287767387354,"num_words":26,"start":165.61,"end":174.98999},{"sentences":[{"text":"Oh, cool.","start":181.535,"end":182.195,"sentiment":"neutral","sentiment_score":0.11894815415143967},{"text":"Yeah.","start":186.895,"end":187.295,"sentiment":"neutral","sentiment_score":0.02351241186261177},{"text":"Yep.","start":187.295,"end":187.795,"sentiment":"neutral","sentiment_score":0.02162805199623108},{"text":"My wife works for Shoes and Soft, one of the consignment stores inside the Myer Tennis for kids shoes.","start":189.455,"end":195.59,"sentiment":"neutral","sentiment_score":0.03594265437047733},{"text":"So I think it is My Group Limited.","start":196.05,"end":198.07,"sentiment":"neutral","sentiment_score":0.00150516745634377}],"sentiment":"neutral","sentiment_score":0.03154801757585618,"num_words":31,"start":181.535,"end":198.07},{"sentences":[{"text":"Perfect.","start":202.85,"end":203.17,"sentiment":"positive","sentiment_score":0.42239469289779663},{"text":"I'll put that in for the time being, and I'll double check that.","start":203.17,"end":205.905,"sentiment":"neutral","sentiment_score":0.25184165514432466},{"text":"We're still just waiting for the rest super to send a full rundown through, but they were able to give us a lot of the information that we needed.","start":205.905,"end":212.88501,"sentiment":"positive","sentiment_score":0.33862234600659075},{"text":"Last couple of things I'll just check with you, and I'll swing over into the super there is just in terms of marital status, dependents.","start":216.785,"end":225.59,"sentiment":"neutral","sentiment_score":0.06549804359674453},{"text":"We had you single there with no dependents, and Lisa, your sister, listed as your next of kin.","start":225.65,"end":231.48999,"sentiment":"neutral","sentiment_score":0.05917282071378496}],"sentiment":"neutral","sentiment_score":0.1885923965899057,"num_words":86,"start":202.85,"end":231.48999},{"sentences":[{"text":"Does that sound correct?","start":231.48999,"end":232.575,"sentiment":"neutral","sentiment_score":0.0722597986459732},{"text":"We you had both listed, I believe, as beneficiary for the super, Lisa and Carrie.","start":240.97499,"end":247.315,"sentiment":"neutral","sentiment_score":0.09181278316924969},{"text":"Yep.","start":249.72,"end":250.22,"sentiment":"neutral","sentiment_score":0.17239752411842346},{"text":"So they're listed as beneficiaries.","start":250.36,"end":251.64001,"sentiment":"neutral","sentiment_score":0.09255078434944153},{"text":"We just had Lisa listed as, like, an emergency contact in case anything happens.","start":251.64001,"end":255.42001,"sentiment":"neutral","sentiment_score":0.07259253997887884}],"sentiment":"neutral","sentiment_score":0.08506866532545058,"num_words":39,"start":231.48999,"end":255.42001},{"sentences":[{"text":"Perfect.","start":261.88,"end":262.38,"sentiment":"positive","sentiment_score":0.39144831895828247},{"text":"And I was just quickly wondering, do you, by chance, have her phone number handy that I can add on to your file?","start":262.99503,"end":268.45502,"sentiment":"neutral","sentiment_score":0.07089391107792439},{"text":"Thank you, Scott.","start":278.96,"end":279.94,"sentiment":"neutral","sentiment_score":0.32071366906166077},{"text":"Yes, Carrefour.","start":303.775,"end":304.59497,"sentiment":"neutral","sentiment_score":0.059340111911296844},{"text":"It.","start":304.62,"end":305.12,"sentiment":"neutral","sentiment_score":0.04544800519943237}],"sentiment":"neutral","sentiment_score":0.10494258366525173,"num_words":30,"start":261.88,"end":305.12},{"sentences":[{"text":"Zero four one seven one one nine six 72.","start":308.69998,"end":320.36502,"sentiment":"neutral","sentiment_score":0.04796001563469569},{"text":"Beautiful.","start":320.36502,"end":320.86502,"sentiment":"positive","sentiment_score":0.5039850473403931},{"text":"Got that added.","start":321.005,"end":321.805,"sentiment":"positive","sentiment_score":0.383674422899882},{"text":"Thank you so much for that.","start":321.805,"end":323.165,"sentiment":"positive","sentiment_score":0.575375109910965},{"text":"And the last couple of things I was gonna check is just in terms of assets and estate planning.","start":323.165,"end":327.585,"sentiment":"neutral","sentiment_score":0.03849530308262298}],"sentiment":"neutral","sentiment_score":0.1650081545996823,"num_words":38,"start":308.69998,"end":327.585},{"sentences":[{"text":"So we've got the beneficiaries in place, but I don't believe you put in place, like, a will or a power of attorney or anything like that.","start":328.20502,"end":334.26,"sentiment":"neutral","sentiment_score":-0.02939189197840514},{"text":"K.","start":340.74002,"end":340.90002,"sentiment":"neutral","sentiment_score":-0.03704078495502472},{"text":"No worries.","start":340.90002,"end":341.72,"sentiment":"neutral","sentiment_score":-0.05863009765744209},{"text":"Yeah.","start":345.38,"end":345.88,"sentiment":"neutral","sentiment_score":0.016712578013539314},{"text":"If it is helpful, you can get, like like, government approved will kits and power of attorney kits from Australia Post for about $25 a pop.","start":346.02002,"end":355.925,"sentiment":"neutral","sentiment_score":0.05160734329659205}],"sentiment":"neutral","sentiment_score":0.0072038849129488595,"num_words":57,"start":328.20502,"end":355.925},{"sentences":[{"text":"And we do have some lawyers that give kind of discounted packages to do them online if you would find that helpful.","start":356.305,"end":362.065,"sentiment":"neutral","sentiment_score":0.07575340636751869},{"text":"I can send a bit of a brochure through to you.","start":362.065,"end":368.87,"sentiment":"neutral","sentiment_score":0.07657127387144348},{"text":"No worries.","start":368.87,"end":369.53,"sentiment":"neutral","sentiment_score":0.07240750454366207},{"text":"And lastly, in terms of assets, so I'm kind of doing a bit of, like, rent vesting a little bit where you were renting, had a couple of cars, and had some colonial first day investments that you were growing.","start":369.99,"end":382.53497,"sentiment":"neutral","sentiment_score":0.03444886929355562},{"text":"Is that correct?","start":382.53497,"end":383.275,"sentiment":"neutral","sentiment_score":0.023278186097741127}],"sentiment":"neutral","sentiment_score":0.05258286271530848,"num_words":78,"start":356.305,"end":383.275},{"sentences":[{"text":"Yep.","start":415.995,"end":416.34,"sentiment":"neutral","sentiment_score":-0.07235626876354218},{"text":"Cool.","start":424.34,"end":424.66,"sentiment":"positive","sentiment_score":0.34116852283477783},{"text":"So I think I had the strategic at about 20 previously and 30 in colonial.","start":424.66,"end":429.56,"sentiment":"neutral","sentiment_score":0.0690971573193868},{"text":"Should I leave that as is for now?","start":429.78,"end":431.505,"sentiment":"neutral","sentiment_score":-0.0011443642433732752},{"text":"Yep.","start":436.065,"end":436.385,"sentiment":"neutral","sentiment_score":0.3133361339569092}],"sentiment":"neutral","sentiment_score":0.061901955148921564,"num_words":26,"start":415.995,"end":436.385},{"sentences":[{"text":"Perfect.","start":436.385,"end":436.885,"sentiment":"positive","sentiment_score":0.4988533556461334},{"text":"Are you looking for any investment advice this year, or should we just focus on the superannuation at this point?","start":437.42502,"end":443.445,"sentiment":"neutral","sentiment_score":0.0944791603833437},{"text":"Perfect.","start":454.63998,"end":455.12,"sentiment":"positive","sentiment_score":0.4674917459487915},{"text":"So what I'll do is I'm already looking at making a few updates to the super.","start":455.12,"end":459.525,"sentiment":"neutral","sentiment_score":0.28187554609030485},{"text":"So I'd like to just briefly discuss what I'm thinking with you.","start":459.525,"end":462.405,"sentiment":"neutral","sentiment_score":0.1993288186689218}],"sentiment":"neutral","sentiment_score":0.19515765741467475,"num_words":50,"start":436.385,"end":462.405},{"sentences":[{"text":"I'll put together an updated plan for you.","start":462.405,"end":464.725,"sentiment":"neutral","sentiment_score":0.30412111803889275},{"text":"And then once we go through that, we can always touch base on the personal investment if if you'd prefer that way.","start":464.725,"end":470.27,"sentiment":"neutral","sentiment_score":0.16759645261547781},{"text":"Perfect.","start":473.93,"end":474.43,"sentiment":"positive","sentiment_score":0.4347827434539795},{"text":"While I dive into the super here, so I'm just having a quick look at the data we pulled from from rest.","start":475.53,"end":481.47,"sentiment":"neutral","sentiment_score":0.039161294529383835},{"text":"We've got a little bit of insurances attached.","start":482.41,"end":484.785,"sentiment":"neutral","sentiment_score":-0.020125588809605688}],"sentiment":"neutral","sentiment_score":0.11894126908975791,"num_words":61,"start":462.405,"end":484.785},{"sentences":[{"text":"They're sitting at 120,000 of life insurance, 30 of total disability, 2,000 a month worth of income protection, and I believe that was kept in place due to, like, previous heart attack and things like that.","start":485.265,"end":498.9,"sentiment":"neutral","sentiment_score":-0.03582420417418083},{"text":"So I just wanted to double check.","start":499.13998,"end":500.58,"sentiment":"neutral","sentiment_score":0.02469019591808319},{"text":"Are we still just keeping that in force?","start":500.58,"end":503.08,"sentiment":"neutral","sentiment_score":0.03364903177134693},{"text":"Are you looking for any quotes or changes there?","start":503.3,"end":505.88,"sentiment":"neutral","sentiment_score":0.013843145014511215},{"text":"Mhmm.","start":533.33,"end":533.83,"sentiment":"neutral","sentiment_score":-0.1702357530593872}],"sentiment":"neutral","sentiment_score":-0.014644183157408824,"num_words":61,"start":485.265,"end":533.83},{"sentences":[{"text":"Yes.","start":551.345,"end":551.64,"sentiment":"neutral","sentiment_score":-0.004147712141275406},{"text":"Yeah.","start":567.0,"end":567.345,"sentiment":"neutral","sentiment_score":0.1914364397525787},{"text":"So what we can do there, I usually do a bit of a buffer where you have to keep a 6,000 minimum to keep the account open.","start":567.745,"end":576.88495,"sentiment":"neutral","sentiment_score":0.25860714967604037},{"text":"I usually do about two years worth of premiums and a 20% buffer for the market movements just to make sure if premiums go up and the stock market goes down, there's no risk of it kind of closing or lapsing due to market movements.","start":577.02496,"end":591.96,"sentiment":"neutral","sentiment_score":0.22406799950533443},{"text":"So I'm thinking probably about 10,000 to keep in there would be a safe amount for this year.","start":592.26,"end":597.075,"sentiment":"neutral","sentiment_score":0.32196510169241166}],"sentiment":"neutral","sentiment_score":0.250522973663781,"num_words":92,"start":551.345,"end":597.075},{"sentences":[{"text":"It's sitting at about $27.28 depending on the fluctuation of the unit prices.","start":601.955,"end":607.41504,"sentiment":"neutral","sentiment_score":0.06522748504693691},{"text":"In addition to that too, so with your Netwealth super, you would have received an email earlier in the year, a record of advice that we sent through to all clients who were invested in a Benelon investment option.","start":613.18,"end":625.66003,"sentiment":"neutral","sentiment_score":0.1505866608558557},{"text":"Do you recall seeing that email at all?","start":625.66003,"end":632.745,"sentiment":"neutral","sentiment_score":0.010779805481433868},{"text":"No.","start":634.165,"end":634.485,"sentiment":"neutral","sentiment_score":-0.15889444947242737},{"text":"I can imagine.","start":634.485,"end":635.305,"sentiment":"neutral","sentiment_score":-0.1600224475065867}],"sentiment":"neutral","sentiment_score":0.09637677704449743,"num_words":64,"start":601.955,"end":635.305},{"sentences":[{"text":"Yeah.","start":636.08496,"end":636.58496,"sentiment":"neutral","sentiment_score":-0.17678919434547424},{"text":"Yeah.","start":646.42,"end":646.74,"sentiment":"neutral","sentiment_score":-0.007562831044197083},{"text":"That's okay.","start":646.74,"end":647.38,"sentiment":"neutral","sentiment_score":0.07370266318321228},{"text":"So to sort of let you know what happened there in the background is when the markets were kind of dropping around February, March with the Iran war kicking off, we noticed one of the investment options was kind of dropping faster than the wider market was, and it wasn't rebounding in the way that we would expect it to.","start":647.38,"end":667.43,"sentiment":"neutral","sentiment_score":-0.24178561295072237},{"text":"So rather than just waiting for an annual review, doing an updated strategy document, we met with the investment committee and made a decision across the whole client base to divest everyone from that option to sort of stop that from continuing.","start":667.65,"end":683.725,"sentiment":"neutral","sentiment_score":-0.06772036389226005}],"sentiment":"neutral","sentiment_score":-0.16404093169378783,"num_words":106,"start":636.08496,"end":683.725},{"sentences":[{"text":"So we actually sold you out of that one, moved some of the funds into to, like, a lower fee Australian share option, and kept a little bit of cash off to the side until we could kind of speak to you and talk about a bit of an updated plan and strategy, if that makes sense.","start":684.345,"end":700.73004,"sentiment":"neutral","sentiment_score":0.2239303554882083},{"text":"So what I'm thinking at the moment is everything in your Netwealth Super is pretty much a passive low fee ETFs at the moment, especially since we divested out of Benelux.","start":704.55005,"end":716.235,"sentiment":"neutral","sentiment_score":0.19712552524382068},{"text":"So if you're comfortable with that style of getting that kind of, you know, primarily capital growth, but with low investment fees, I can keep that style there, but just kind of rebalance the investments a little bit, deploy some of that cash that's been sitting off to the side if you're comfortable with that too.","start":716.69495,"end":734.04,"sentiment":"neutral","sentiment_score":0.20647959078529052},{"text":"The last two things I wanna do as well is in the rest investment, they do have a pretty decent growth index fund now that has finally built a bit of a track record.","start":741.09503,"end":753.675,"sentiment":"positive","sentiment_score":0.39532683263806734},{"text":"So I'm thinking of just doing a bit of a side step of the investments from the current growth investment it's in into a bit of a lower fee index fund with a bit better performance.","start":753.99,"end":763.85,"sentiment":"neutral","sentiment_score":0.24431850181685555}],"sentiment":"neutral","sentiment_score":0.2461418551610452,"num_words":214,"start":684.345,"end":763.85},{"sentences":[{"text":"So whatever funds are still sitting there, they're just growing a little bit better with a little bit less fees coming out of them.","start":763.91,"end":769.47504,"sentiment":"neutral","sentiment_score":0.2505727056413889},{"text":"If you'd be okay for me to research that for you.","start":769.53503,"end":772.35504,"sentiment":"neutral","sentiment_score":0.12861330807209015},{"text":"Cool.","start":777.53503,"end":777.775,"sentiment":"positive","sentiment_score":0.5622340440750122},{"text":"So I'll put that together in an updated plan just comparing the rebalance of net wealth, the investments which would rest, and a bit of a movement of funds between the two accounts.","start":777.775,"end":786.73,"sentiment":"neutral","sentiment_score":0.27972370295813587},{"text":"And then in a few weeks' time, we'll get you booked in and just run through that plan together, make sure you're comfortable before we touch touch anything.","start":786.87,"end":794.375,"sentiment":"neutral","sentiment_score":0.2530126366764307}],"sentiment":"neutral","sentiment_score":0.2505769215754627,"num_words":97,"start":763.91,"end":794.375},{"sentences":[{"text":"Any issues on your end in terms of that growth risk profile?","start":798.995,"end":802.775,"sentiment":"neutral","sentiment_score":-0.20934521531065306},{"text":"So you're still at that kind of four out of five level.","start":802.835,"end":806.355,"sentiment":"neutral","sentiment_score":-0.05787350982427597},{"text":"You're not high risk, but you're not in the middle.","start":806.355,"end":808.7,"sentiment":"neutral","sentiment_score":-0.05967308133840561},{"text":"You're still focusing mostly on trying to get that last bit of, you know, high capital growth.","start":808.7,"end":813.83997,"sentiment":"neutral","sentiment_score":0.19176258278243682},{"text":"I do note that we've got about eleven to fourteen years until retirement.","start":814.77997,"end":818.56,"sentiment":"neutral","sentiment_score":0.1711174834233064}],"sentiment":"neutral","sentiment_score":0.026267744950018823,"num_words":64,"start":798.995,"end":818.56},{"sentences":[{"text":"So I'm just trying to gauge, are you okay to kind of spend the next few years still focusing mostly on growth with an aim to kind of reduce risk gradually as you get closer to retirement?","start":818.94,"end":829.195,"sentiment":"neutral","sentiment_score":0.17226498171284393},{"text":"Yeah.","start":848.47,"end":848.895,"sentiment":"neutral","sentiment_score":0.2741650938987732},{"text":"And one of the interesting things about this period of life is that because now you've built up that kind of 350,000 in super.","start":849.055,"end":856.41504,"sentiment":"positive","sentiment_score":0.33578467182815075},{"text":"You've got such a big base.","start":856.41504,"end":857.79504,"sentiment":"positive","sentiment_score":0.5707299411296844},{"text":"If you get a good return for a few years of that 10 to 15%, you're gonna start to see it grow up to four, five, six, seven, eight hundred thousand dollars very quickly.","start":858.17505,"end":867.18994,"sentiment":"positive","sentiment_score":0.5488224643118241}],"sentiment":"positive","sentiment_score":0.3606974997502916,"num_words":102,"start":818.94,"end":867.18994},{"sentences":[{"text":"But at the same time, you don't have that decade to kind of protect it if the market crashes a few years before retirement.","start":867.56995,"end":875.82996,"sentiment":"neutral","sentiment_score":-0.1070590087523063},{"text":"So we're kind of at that last period of growth and then trying to time protecting it before anything too serious happens in the last five to seven years.","start":876.12994,"end":887.005,"sentiment":"neutral","sentiment_score":-0.01304929330945015},{"text":"Perfect.","start":896.7,"end":897.2,"sentiment":"positive","sentiment_score":0.5114647746086121},{"text":"Last question is just in terms of contributions there, do you want me to model it based on just what your employer is putting in?","start":898.22003,"end":904.86005,"sentiment":"neutral","sentiment_score":0.11293273329734803},{"text":"Are you intending to do any salary for price this year?","start":904.86005,"end":908.375,"sentiment":"neutral","sentiment_score":0.019860092042521996}],"sentiment":"neutral","sentiment_score":0.006726648927562766,"num_words":90,"start":867.56995,"end":908.375},{"sentences":[{"text":"Perfect.","start":916.435,"end":916.935,"sentiment":"positive","sentiment_score":0.3999469876289368},{"text":"Is there any other kind of major cash flow priority to you besides the investment that you're you're managing that I I can note down as a goal for you?","start":916.995,"end":925.91,"sentiment":"neutral","sentiment_score":0.24585276693105698},{"text":"Cool.","start":936.075,"end":936.315,"sentiment":"neutral","sentiment_score":0.165396049618721},{"text":"So we'll clean up the super then.","start":936.315,"end":938.335,"sentiment":"neutral","sentiment_score":0.08540549129247665},{"text":"Yep.","start":942.395,"end":942.875,"sentiment":"neutral","sentiment_score":0.12087313830852509}],"sentiment":"neutral","sentiment_score":0.21649094056338072,"num_words":40,"start":916.435,"end":942.875},{"sentences":[{"text":"I'm with you.","start":942.875,"end":943.85504,"sentiment":"neutral","sentiment_score":0.16362557808558145},{"text":"What I'll do is I'll pencil in.","start":944.155,"end":946.23505,"sentiment":"neutral","sentiment_score":0.10403299823935543},{"text":"So as soon as we go through the updated super plan, I will just kind of extend that meeting out just a little bit to talk about the personal investment side of things.","start":946.23505,"end":954.54004,"sentiment":"neutral","sentiment_score":0.08755210425817606},{"text":"Or if you don't have time for that at the time, I'll just book in again before Christmas time to go through that with you.","start":954.54004,"end":961.035,"sentiment":"neutral","sentiment_score":0.060787368565797806},{"text":"Might have a few ideas that I can send you away.","start":961.51495,"end":963.855,"sentiment":"neutral","sentiment_score":0.018006744032556362}],"sentiment":"neutral","sentiment_score":0.07374791849310262,"num_words":79,"start":942.875,"end":963.855},{"sentences":[{"text":"Awesome.","start":968.315,"end":968.63495,"sentiment":"positive","sentiment_score":0.7069368362426758},{"text":"And one last little lovely present from Oakview is Michelle had sent you through a consent form with Netwealth to remain advisers with the kind of standard fee structure for Oakview, the 1.65%.","start":968.63495,"end":983.87,"sentiment":"positive","sentiment_score":0.3337029105786121},{"text":"We have released PFE discounts.","start":984.25,"end":987.155,"sentiment":"neutral","sentiment_score":0.2505239903926849},{"text":"All clients who are above 200,000, they start to get a discount between 2 and 500.","start":987.775,"end":993.155,"sentiment":"neutral","sentiment_score":0.23527764342725277},{"text":"And for 500,000 above, there's a further discount.","start":993.53503,"end":996.835,"sentiment":"neutral","sentiment_score":0.1651357291266322}],"sentiment":"neutral","sentiment_score":0.28662350738332387,"num_words":63,"start":968.315,"end":996.835},{"sentences":[{"text":"So I just wanted to kind of let you know that my intention is to send you through one of the discounted fee structures, but I did need to just briefly explain to you that it is a flat structure.","start":997.055,"end":1007.87,"sentiment":"neutral","sentiment_score":0.10344811193645001},{"text":"So rather than fluctuating with your balance, it is a lower percentage, but locked in for twelve months at a time.","start":1008.01,"end":1015.105,"sentiment":"neutral","sentiment_score":0.06084922426158473},{"text":"Again, I'll send that through to kind of have a look at.","start":1027.93,"end":1031.79,"sentiment":"neutral","sentiment_score":0.17780752976735434},{"text":"If you've got any questions, just let us know.","start":1031.93,"end":1033.6901,"sentiment":"neutral","sentiment_score":0.15871160394615597},{"text":"We can have a chat again for that statement of advice as well.","start":1033.6901,"end":1036.5701,"sentiment":"neutral","sentiment_score":0.18193072309860817}],"sentiment":"neutral","sentiment_score":0.1193994987363878,"num_words":95,"start":997.055,"end":1036.5701},{"sentences":[{"text":"But if you're okay with that idea, I can kind of just add it to the annual review pack for you to look Yep.","start":1036.5701,"end":1047.625,"sentiment":"neutral","sentiment_score":0.24349172040820122},{"text":"Awesome.","start":1047.685,"end":1048.185,"sentiment":"positive","sentiment_score":0.40842124819755554},{"text":"Any questions for me so far, sir?","start":1048.805,"end":1050.5751,"sentiment":"neutral","sentiment_score":0.18424042846475328},{"text":"Cool.","start":1050.5751,"end":1051.0751,"sentiment":"neutral","sentiment_score":0.10676029324531557},{"text":"The last thing I'll let you know is inside the pack itself, it's got, like, the performance figures, the summary of all your products.","start":1058.62,"end":1065.6,"sentiment":"neutral","sentiment_score":0.10281758786489566}],"sentiment":"neutral","sentiment_score":0.17747873577632403,"num_words":57,"start":1036.5701,"end":1065.6},{"sentences":[{"text":"We have included a tax file number opt in form just to make sure you're still comfortable for us to hold that number because it is quite important.","start":1066.22,"end":1073.645,"sentiment":"neutral","sentiment_score":0.15038426725992135},{"text":"And alongside that updated consent form, there is also an updated service side, which towards the second half of the document, it fully breaks down the new tier fee structure.","start":1074.105,"end":1085.28,"sentiment":"neutral","sentiment_score":0.1468521868189176},{"text":"Structure.","start":1085.36,"end":1085.52,"sentiment":"neutral","sentiment_score":0.0092362305149436},{"text":"So if you wanna kind of see what that looks like, you just go into the financial services guy.","start":1085.52,"end":1091.4601,"sentiment":"neutral","sentiment_score":0.023444146310028276},{"text":"Awesome.","start":1095.76,"end":1096.26,"sentiment":"positive","sentiment_score":0.6370791792869568}],"sentiment":"neutral","sentiment_score":0.12288707946250334,"num_words":79,"start":1066.22,"end":1096.26},{"sentences":[{"text":"But that's pretty much everything I had for today.","start":1096.3201,"end":1099.06,"sentiment":"positive","sentiment_score":0.4191378090116713},{"text":"Is there anything else I can do before I let you go?","start":1099.425,"end":1101.8451,"sentiment":"neutral","sentiment_score":0.09703922395904858},{"text":"No.","start":1110.8651,"end":1111.2,"sentiment":"neutral","sentiment_score":-0.1522367000579834},{"text":"So I'll grab it back up there with you for one moment.","start":1111.5199,"end":1114.6599,"sentiment":"neutral","sentiment_score":-0.026629003851364057},{"text":"So you've got $3.20 in net wealth and about 20 8 in rep, so just shy of $3.50.","start":1114.72,"end":1121.22,"sentiment":"neutral","sentiment_score":0.0020300733029014533}],"sentiment":"neutral","sentiment_score":0.08656668349599037,"num_words":52,"start":1096.3201,"end":1121.22},{"sentences":[{"text":"Happy with that?","start":1128.975,"end":1133.135,"sentiment":"positive","sentiment_score":0.4598694443702698},{"text":"Awesome.","start":1133.135,"end":1133.635,"sentiment":"positive","sentiment_score":0.5463821887969971},{"text":"Alright, mate.","start":1133.855,"end":1134.4149,"sentiment":"positive","sentiment_score":0.44039878249168396},{"text":"I do really appreciate you taking the time to talk to me while you're at work.","start":1134.4149,"end":1137.54,"sentiment":"positive","sentiment_score":0.568843612447381},{"text":"I try to keep it as brief as possible, but I will update that review pack through to your it's your Gmail account.","start":1137.86,"end":1146.12,"sentiment":"neutral","sentiment_score":0.21077922958394754}],"sentiment":"positive","sentiment_score":0.37236018147733474,"num_words":45,"start":1128.975,"end":1146.12},{"sentences":[{"text":"Is that okay to use as your primary email still?","start":1146.3401,"end":1149.0,"sentiment":"neutral","sentiment_score":0.05489335153251886},{"text":"Awesome.","start":1155.4751,"end":1155.9551,"sentiment":"positive","sentiment_score":0.6975364685058594},{"text":"Mate, thank you so much for your time.","start":1155.9551,"end":1157.7151,"sentiment":"positive","sentiment_score":0.7847305163741112},{"text":"Have a fantastic day, and we'll reach out in the next fortnight to book you in for the updated plan.","start":1157.7151,"end":1163.01,"sentiment":"positive","sentiment_score":0.6573118850588798},{"text":"Yep.","start":1171.25,"end":1171.75,"sentiment":"neutral","sentiment_score":0.038545381277799606}],"sentiment":"positive","sentiment_score":0.5177274299319834,"num_words":40,"start":1146.3401,"end":1171.75},{"sentences":[{"text":"Yep.","start":1180.305,"end":1180.785,"sentiment":"neutral","sentiment_score":0.03343001753091812},{"text":"No.","start":1180.785,"end":1180.9451,"sentiment":"neutral","sentiment_score":-0.03872125595808029},{"text":"That's no worries at all.","start":1180.9451,"end":1182.145,"sentiment":"neutral","sentiment_score":-0.0372130511328578},{"text":"I've been staring at the daylight savings cost daily even though I'm not not for a few weeks, and I keep thinking, oh, is it today?","start":1182.145,"end":1187.905,"sentiment":"neutral","sentiment_score":0.02481864900059568},{"text":"Is it today?","start":1187.905,"end":1188.465,"sentiment":"neutral","sentiment_score":0.005480797340472539}],"sentiment":"neutral","sentiment_score":0.013065854776262617,"num_words":36,"start":1180.305,"end":1188.465},{"sentences":[{"text":"No.","start":1188.465,"end":1188.87,"sentiment":"neutral","sentiment_score":-0.17771561443805697},{"text":"The first Sunday I've got, I think.","start":1188.87,"end":1191.8821,"sentiment":"neutral","sentiment_score":-0.12851731372731073},{"text":"I'll keep that in mind.","start":1191.91,"end":1193.13,"sentiment":"neutral","sentiment_score":0.007630287483334541},{"text":"Yeah.","start":1203.3949,"end":1203.715,"sentiment":"neutral","sentiment_score":0.31273549795150757},{"text":"We're pretty good with converting it.","start":1203.715,"end":1205.8949,"sentiment":"positive","sentiment_score":0.5131353835264841}],"sentiment":"neutral","sentiment_score":0.11761812129989266,"num_words":20,"start":1188.465,"end":1205.8949},{"sentences":[{"text":"Not a 100 percent accuracy, but about 98%, we're pretty good with it.","start":1206.115,"end":1210.195,"sentiment":"positive","sentiment_score":0.3576747184762588},{"text":"But we'll send you, when we do book it in, like a a text message reminder as well with both times.","start":1210.195,"end":1215.7949,"sentiment":"positive","sentiment_score":0.408482741741907},{"text":"And if anything is a missed day, just reply back.","start":1215.7949,"end":1218.36,"sentiment":"neutral","sentiment_score":0.20296539664268493},{"text":"Awesome, mate.","start":1224.28,"end":1225.0,"sentiment":"positive","sentiment_score":0.8646265268325806},{"text":"Thank you so much for your time, and I'll see you later.","start":1225.0,"end":1227.34,"sentiment":"positive","sentiment_score":0.8414643456538519}],"sentiment":"positive","sentiment_score":0.4669722083570628,"num_words":58,"start":1206.115,"end":1227.34},{"sentences":[{"text":"Yes.","start":1231.4,"end":1231.72,"sentiment":"positive","sentiment_score":0.3960237503051758},{"text":"Bye.","start":1231.72,"end":1232.22,"sentiment":"positive","sentiment_score":0.3816790580749512}],"sentiment":"positive","sentiment_score":0.3888514041900635,"num_words":2,"start":1231.4,"end":1232.22}]}}]},{"alternatives":[{"transcript":"Hello? Scott Spinchy. I'm alright. How are you? I did have it locked in my diary for today. So so today is okay. Just be aware I'm still working, but I'm working from home. So I should be able to chat. But if I get a call from my boss, I might have to quickly just apologize and leave. But, yeah, I think I should be okay. Just give me a brief talk through. Yeah. Because I'll kinda still have to work in the background because I've got something I gotta get done by five, so I'm on a bit of a deadline. So if you give me a bit of a brief overview and stuff like that, and I can read the pack on the email at a later stage. Date of birth is July first nineteen seventy or zero one zero seven one nine seven zero. It is 1 Slash 27 Gwenda Avenue in Moorabbin, Victoria. Postcode's 3189. No problem. That's okay. I am still planner at the moment. Yes. It's about like, Friday's super intact. It's about '92. I've worked for the department store Myer, which is Myer is it Myer Group Limited? I can't remember what the actual business title is, but it's Myer, the department store. Yeah. Oh, yeah. Yep. I think it is Myer Group Limited off the top of my head. Yes. Cool. That sounds correct. I have two systems, but did I list one specifically, did I, or did I list two? Oh, cool. Yeah. Yep. Perfect. Okay. Yes. She's the best. Yes. Yes. I'm and I'm her emergency contact. So, yes, like a reverse. Yep. Yeah. It'll be in my phone. Just let me grab it. Bear with me one moment. Okay. Her mobile number, 0417119672. No. I don't have that. No. Yeah. That I don't actually have. I should probably set something like that up. Yeah. Do that. That'd be lovely. Thank you. I have one car. I have an investment in Colonial First State. I also am a I have a strategic was it strategic financials objective fund or whatever? I have money invested in that. They're the primary investment things. I've got basic Telstra shares and very basic Myer shares. Not a lot. The the shares wouldn't be worth much. The Colonial First Aid was about 30 odd thousand plus in there. I'm not too sure how the fund's going because we only just kinda started it up about a year or two ago. So I'll check how that one's performing. Yeah. Leave that as is for the moment. Yeah. That sounds pretty accurate. Invest investment advice is good, but maybe for today's call, just focus on superannuation. But financial advice is always very good. I'm good. So the circumstances there were yeah. So look, I I had money with rest. No. I had a heart attack in I mean, with the 2018, but it was like I just had blockage in one in one one artery. Everything else is clear of heart disease. So, basically, it was like a freak thing. So I theoretically don't have heart disease, but because that's happened, I can't, like, move in I had to keep money in there. Otherwise, there was gonna be some kind of charge or whatever if I tried to get or I couldn't get insurance or whatever through you guys. So there is just the risk risk account is just kept up in purely for the insurance kind of thing. There's no there's no no supplier contribution supplier. Sorry. No. None of my employer contributions going to rest. It all goes into your one. Okay. What's currently in there? Okay. Not off the top of my head. Get a lot of emails, both work wise and in my personal one as well. Like, I'm so far behind in my unread emails from work. So, yeah, there's quite a few. That makes sense. That sounds yep. That sounds quite printable. Yeah. I'd be okay with that. Yep. That sounds good. Cool. Sounds good. Yeah. Yeah. Yeah. Still need to capitalize now on growth. And then if I need to, we can reduce as I get closer to I don't plan to retire. But, you know, what would effectively be a retirement day? Yes. Yep. That will change reasonable. No. Not this year. No. So just yeah. Supplier contributions at this stage. How do I make more money would be the general would be the general one. And and more and more so like a passive income. How do I how do I make more like how how do I make more passive income? Yeah. Oh, cool. That's good. Okay. I think that kinda that makes sense. Yep. Yep. That seems to make sense. Yeah. Yes. Add it add it to the pack. No. No. Not not at this stage. Got it. What's the current balance with the fund at the moment? You said about $2.50? Three twenty? Okay. $3.50. Alright. $3.20 in the Netwealth one, the one that the contribution's going to. Okay. Cool. Yep. I'll do that. Yes, please. Yep. That's the primary yep. Send it to that one, please. Alright. Cool. Next fortnight. Just be aware anytime after October, we'll go into daylight saving down here in Victoria. So if if I say, oh, yes. I'm three at four. It would be whatever time it is up there. 03:00, I would imagine. So yeah. Yeah. We will just yeah. Yeah. Cool. Yeah. Yeah. Because yeah. Yeah. Yeah. Just yeah. Because, like, like, I'm assuming, like, if I said 04:00, it's I'm I'm not thinking of it in my time. So yeah. Yeah. Cool. Perfect. Yep. Oh, cool. No worries. Thank you. Yeah. 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Scott Spinchy. I'm alright. How are you? I did have it locked in my diary for today.\n\nSo so today is okay. Just be aware I'm still working, but I'm working from home. So I should be able to chat. But if I get a call from my boss, I might have to quickly just apologize and leave. But, yeah, I think I should be okay.\n\nJust give me a brief talk through. Yeah. Because I'll kinda still have to work in the background because I've got something I gotta get done by five, so I'm on a bit of a deadline. So if you give me a bit of a brief overview and stuff like that, and I can read the pack on the email at a later stage. Date of birth is July first nineteen seventy or zero one zero seven one nine seven zero.\n\nIt is 1 Slash 27 Gwenda Avenue in Moorabbin, Victoria. Postcode's 3189. No problem. That's okay. I am still planner at the moment.\n\nYes. It's about like, Friday's super intact. It's about '92. I've worked for the department store Myer, which is Myer is it Myer Group Limited? I can't remember what the actual business title is, but it's Myer, the department store.\n\nYeah. Oh, yeah. Yep. I think it is Myer Group Limited off the top of my head. Yes.\n\nCool. That sounds correct. I have two systems, but did I list one specifically, did I, or did I list two? Oh, cool. Yeah.\n\nYep. Perfect. Okay. Yes. She's the best.\n\nYes. Yes. I'm and I'm her emergency contact. So, yes, like a reverse. Yep.\n\nYeah. It'll be in my phone. Just let me grab it. Bear with me one moment. Okay.\n\nHer mobile number, 0417119672. No. I don't have that. No. Yeah.\n\nThat I don't actually have. I should probably set something like that up. Yeah. Do that. That'd be lovely.\n\nThank you. I have one car. I have an investment in Colonial First State. I also am a I have a strategic was it strategic financials objective fund or whatever? I have money invested in that.\n\nThey're the primary investment things. I've got basic Telstra shares and very basic Myer shares. Not a lot. The the shares wouldn't be worth much. The Colonial First Aid was about 30 odd thousand plus in there.\n\nI'm not too sure how the fund's going because we only just kinda started it up about a year or two ago. So I'll check how that one's performing. Yeah. Leave that as is for the moment. Yeah.\n\nThat sounds pretty accurate. Invest investment advice is good, but maybe for today's call, just focus on superannuation. But financial advice is always very good. I'm good. So the circumstances there were yeah.\n\nSo look, I I had money with rest. No. I had a heart attack in I mean, with the 2018, but it was like I just had blockage in one in one one artery. Everything else is clear of heart disease. So, basically, it was like a freak thing.\n\nSo I theoretically don't have heart disease, but because that's happened, I can't, like, move in I had to keep money in there. Otherwise, there was gonna be some kind of charge or whatever if I tried to get or I couldn't get insurance or whatever through you guys. So there is just the risk risk account is just kept up in purely for the insurance kind of thing. There's no there's no no supplier contribution supplier. Sorry.\n\nNo. None of my employer contributions going to rest. It all goes into your one. Okay. What's currently in there?\n\nOkay. Not off the top of my head. Get a lot of emails, both work wise and in my personal one as well. Like, I'm so far behind in my unread emails from work. So, yeah, there's quite a few.\n\nThat makes sense. That sounds yep. That sounds quite printable. Yeah. I'd be okay with that.\n\nYep. That sounds good. Cool. Sounds good. Yeah.\n\nYeah. Yeah. Still need to capitalize now on growth. And then if I need to, we can reduce as I get closer to I don't plan to retire. But, you know, what would effectively be a retirement day?\n\nYes. Yep. That will change reasonable. No. Not this year.\n\nNo. So just yeah. Supplier contributions at this stage. How do I make more money would be the general would be the general one. And and more and more so like a passive income.\n\nHow do I how do I make more like how how do I make more passive income? Yeah. Oh, cool. That's good. Okay.\n\nI think that kinda that makes sense. Yep. Yep. That seems to make sense. Yeah.\n\nYes. Add it add it to the pack. No. No. Not not at this stage.\n\nGot it. What's the current balance with the fund at the moment? You said about $2.50? Three twenty? Okay.\n\n$3.50. Alright. $3.20 in the Netwealth one, the one that the contribution's going to. Okay. Cool.\n\nYep. I'll do that. Yes, please. Yep. That's the primary yep.\n\nSend it to that one, please. Alright. Cool. Next fortnight. Just be aware anytime after October, we'll go into daylight saving down here in Victoria.\n\nSo if if I say, oh, yes. I'm three at four. It would be whatever time it is up there. 03:00, I would imagine. So yeah.\n\nYeah. We will just yeah. Yeah. Cool. Yeah.\n\nYeah. Because yeah. Yeah. Yeah. Just yeah.\n\nBecause, like, like, I'm assuming, like, if I said 04:00, it's I'm I'm not thinking of it in my time. So yeah. Yeah. Cool. Perfect.\n\nYep. Oh, cool. No worries. Thank you. Yeah.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.16,"end":0.48,"sentiment":"neutral","sentiment_score":0.023182954639196396},{"text":"Scott Spinchy.","start":0.48,"end":1.46,"sentiment":"neutral","sentiment_score":0.01583654247224331},{"text":"I'm alright.","start":7.3599997,"end":7.8399997,"sentiment":"neutral","sentiment_score":0.259152814745903},{"text":"How are you?","start":7.8399997,"end":8.74,"sentiment":"neutral","sentiment_score":0.24497120579083762},{"text":"I did have it locked in my diary for today.","start":22.205,"end":24.285,"sentiment":"neutral","sentiment_score":0.049825822561979295}],"sentiment":"neutral","sentiment_score":0.10035186178154415,"num_words":18,"start":0.16,"end":24.285},{"sentences":[{"text":"So so today is okay.","start":24.285,"end":25.884998,"sentiment":"neutral","sentiment_score":0.19820022881031035},{"text":"Just be aware I'm still working, but I'm working from home.","start":25.884998,"end":28.365,"sentiment":"neutral","sentiment_score":0.05598888546228409},{"text":"So I should be able to chat.","start":28.365,"end":30.699999,"sentiment":"neutral","sentiment_score":0.1350369964327131},{"text":"But if I get a call from my boss, I might have to quickly just apologize and leave.","start":30.699999,"end":34.86,"sentiment":"neutral","sentiment_score":-0.1299265053951078},{"text":"But, yeah, I think I should be okay.","start":34.86,"end":38.079998,"sentiment":"neutral","sentiment_score":0.23475025221705437}],"sentiment":"neutral","sentiment_score":0.042682913873268634,"num_words":49,"start":24.285,"end":38.079998},{"sentences":[{"text":"Just give me a brief talk through.","start":52.675,"end":54.195,"sentiment":"neutral","sentiment_score":0.07121776682989937},{"text":"Yeah.","start":54.195,"end":54.434998,"sentiment":"neutral","sentiment_score":0.028881538659334183},{"text":"Because I'll kinda still have to work in the background because I've got something I gotta get done by five, so I'm on a bit of a deadline.","start":54.434998,"end":60.274998,"sentiment":"neutral","sentiment_score":-0.05178077192977071},{"text":"So if you give me a bit of a brief overview and stuff like that, and I can read the pack on the email at a later stage.","start":60.274998,"end":68.62,"sentiment":"neutral","sentiment_score":0.09836258952106748},{"text":"Date of birth is July first nineteen seventy or zero one zero seven one nine seven zero.","start":80.435,"end":86.695,"sentiment":"neutral","sentiment_score":0.022195260752649867}],"sentiment":"neutral","sentiment_score":0.027271805331110954,"num_words":81,"start":52.675,"end":86.695},{"sentences":[{"text":"It is 1 Slash 27 Gwenda Avenue in Moorabbin, Victoria.","start":93.32,"end":99.42,"sentiment":"neutral","sentiment_score":0.04085914697498083},{"text":"Postcode's 3189.","start":99.96,"end":101.58,"sentiment":"neutral","sentiment_score":0.027353687211871147},{"text":"No problem.","start":111.745,"end":112.565,"sentiment":"neutral","sentiment_score":0.28672803938388824},{"text":"That's okay.","start":133.765,"end":134.425,"sentiment":"neutral","sentiment_score":0.2819952815771103},{"text":"I am still planner at the moment.","start":144.51001,"end":146.11,"sentiment":"neutral","sentiment_score":0.013187831533806664}],"sentiment":"neutral","sentiment_score":0.07361131768835627,"num_words":23,"start":93.32,"end":146.11},{"sentences":[{"text":"Yes.","start":146.11,"end":146.61,"sentiment":"neutral","sentiment_score":0.08099785447120667},{"text":"It's about like, Friday's super intact.","start":158.235,"end":161.03499,"sentiment":"neutral","sentiment_score":0.11435809917747974},{"text":"It's about '92.","start":161.03499,"end":162.495,"sentiment":"neutral","sentiment_score":0.03898053616285324},{"text":"I've worked for the department store Myer, which is Myer is it Myer Group Limited?","start":176.31,"end":183.84999,"sentiment":"neutral","sentiment_score":0.03284350608785947},{"text":"I can't remember what the actual business title is, but it's Myer, the department store.","start":183.90999,"end":188.015,"sentiment":"neutral","sentiment_score":-0.014708233904093504}],"sentiment":"neutral","sentiment_score":0.02890292851952836,"num_words":40,"start":146.11,"end":188.015},{"sentences":[{"text":"Yeah.","start":188.015,"end":188.515,"sentiment":"neutral","sentiment_score":0.023325640708208084},{"text":"Oh, yeah.","start":196.015,"end":196.495,"sentiment":"neutral","sentiment_score":0.008599919266998768},{"text":"Yep.","start":196.495,"end":196.995,"sentiment":"neutral","sentiment_score":0.00969737395644188},{"text":"I think it is Myer Group Limited off the top of my head.","start":198.495,"end":201.215,"sentiment":"neutral","sentiment_score":0.00852364831818984},{"text":"Yes.","start":201.215,"end":201.51,"sentiment":"neutral","sentiment_score":0.1801251769065857}],"sentiment":"neutral","sentiment_score":0.01895308101342784,"num_words":18,"start":188.015,"end":201.51},{"sentences":[{"text":"Cool.","start":214.52501,"end":215.02501,"sentiment":"neutral","sentiment_score":0.30688410997390747},{"text":"That sounds correct.","start":234.36,"end":235.32,"sentiment":"neutral","sentiment_score":0.08183710773785909},{"text":"I have two systems, but did I list one specifically, did I, or did I list two?","start":235.32,"end":239.42,"sentiment":"neutral","sentiment_score":-0.030945946078966644},{"text":"Oh, cool.","start":245.715,"end":246.19499,"sentiment":"positive","sentiment_score":0.5004360675811768},{"text":"Yeah.","start":246.19499,"end":246.69499,"sentiment":"neutral","sentiment_score":0.20753096044063568}],"sentiment":"neutral","sentiment_score":0.051446560227001704,"num_words":24,"start":214.52501,"end":246.69499},{"sentences":[{"text":"Yep.","start":247.875,"end":248.375,"sentiment":"neutral","sentiment_score":0.23625028133392337},{"text":"Perfect.","start":248.435,"end":248.935,"sentiment":"positive","sentiment_score":0.5272988677024841},{"text":"Okay.","start":254.035,"end":254.535,"sentiment":"neutral","sentiment_score":0.05900662764906883},{"text":"Yes.","start":254.915,"end":255.33,"sentiment":"neutral","sentiment_score":0.14712145924568176},{"text":"She's the best.","start":255.89,"end":256.69,"sentiment":"positive","sentiment_score":0.44076130787531537}],"sentiment":"neutral","sentiment_score":0.32742302279387203,"num_words":7,"start":247.875,"end":256.69},{"sentences":[{"text":"Yes.","start":256.69,"end":256.93,"sentiment":"neutral","sentiment_score":0.153750479221344},{"text":"Yes.","start":256.93,"end":257.17,"sentiment":"neutral","sentiment_score":0.11536403000354768},{"text":"I'm and I'm her emergency contact.","start":257.17,"end":258.69,"sentiment":"neutral","sentiment_score":0.0854693961640199},{"text":"So, yes, like a reverse.","start":258.69,"end":259.89,"sentiment":"neutral","sentiment_score":0.08251953572034836},{"text":"Yep.","start":259.89,"end":260.39,"sentiment":"neutral","sentiment_score":0.16486215591430664}],"sentiment":"neutral","sentiment_score":0.09709933719464711,"num_words":14,"start":256.69,"end":260.39},{"sentences":[{"text":"Yeah.","start":270.295,"end":270.535,"sentiment":"neutral","sentiment_score":0.04689962789416313},{"text":"It'll be in my phone.","start":270.535,"end":272.23502,"sentiment":"neutral","sentiment_score":0.05349502488970757},{"text":"Just let me grab it.","start":273.415,"end":276.375,"sentiment":"neutral","sentiment_score":0.07781626284122467},{"text":"Bear with me one moment.","start":276.375,"end":277.67502,"sentiment":"neutral","sentiment_score":0.06949328184127808},{"text":"Okay.","start":300.065,"end":300.565,"sentiment":"neutral","sentiment_score":0.10485538840293884}],"sentiment":"neutral","sentiment_score":0.06798693318577374,"num_words":17,"start":270.295,"end":300.565},{"sentences":[{"text":"Her mobile number, 0417119672.","start":300.705,"end":317.89,"sentiment":"neutral","sentiment_score":0.05094143468886614},{"text":"No.","start":335.005,"end":335.245,"sentiment":"neutral","sentiment_score":-0.14978794753551483},{"text":"I don't have that.","start":335.245,"end":336.785,"sentiment":"neutral","sentiment_score":-0.1413771752268076},{"text":"No.","start":337.005,"end":337.505,"sentiment":"neutral","sentiment_score":-0.12675756216049194},{"text":"Yeah.","start":338.20502,"end":338.70502,"sentiment":"neutral","sentiment_score":-0.10679636150598526}],"sentiment":"neutral","sentiment_score":-0.06773498485034163,"num_words":11,"start":300.705,"end":338.70502},{"sentences":[{"text":"That I don't actually have.","start":339.565,"end":341.005,"sentiment":"neutral","sentiment_score":-0.10994289815425873},{"text":"I should probably set something like that up.","start":341.005,"end":343.05,"sentiment":"neutral","sentiment_score":-0.06435038056224585},{"text":"Yeah.","start":365.32498,"end":365.565,"sentiment":"neutral","sentiment_score":0.08610737323760986},{"text":"Do that.","start":365.565,"end":365.88498,"sentiment":"neutral","sentiment_score":0.1702665239572525},{"text":"That'd be lovely.","start":365.88498,"end":366.685,"sentiment":"positive","sentiment_score":0.36002908150355023}],"sentiment":"neutral","sentiment_score":0.023274217389131848,"num_words":19,"start":339.565,"end":366.685},{"sentences":[{"text":"Thank you.","start":366.685,"end":367.345,"sentiment":"neutral","sentiment_score":0.2895161360502243},{"text":"I have one car.","start":384.09,"end":385.55002,"sentiment":"neutral","sentiment_score":0.005721208639442921},{"text":"I have an investment in Colonial First State.","start":386.09,"end":388.99002,"sentiment":"neutral","sentiment_score":0.026063114404678345},{"text":"I also am a I have a strategic was it strategic financials objective fund or whatever?","start":389.755,"end":397.035,"sentiment":"neutral","sentiment_score":0.016790070512797683},{"text":"I have money invested in that.","start":397.035,"end":398.735,"sentiment":"neutral","sentiment_score":0.016775287687778473}],"sentiment":"neutral","sentiment_score":0.03276985767297447,"num_words":36,"start":366.685,"end":398.735},{"sentences":[{"text":"They're the primary investment things.","start":399.755,"end":401.515,"sentiment":"neutral","sentiment_score":0.02680327631533146},{"text":"I've got basic Telstra shares and very basic Myer shares.","start":401.515,"end":405.54,"sentiment":"neutral","sentiment_score":0.01764332363381982},{"text":"Not a lot.","start":406.0,"end":406.80002,"sentiment":"negative","sentiment_score":-0.45574870705604553},{"text":"The the shares wouldn't be worth much.","start":406.80002,"end":408.66,"sentiment":"negative","sentiment_score":-0.4552098342350551},{"text":"The Colonial First Aid was about 30 odd thousand plus in there.","start":409.44,"end":414.1,"sentiment":"neutral","sentiment_score":-0.09213944089909394}],"sentiment":"neutral","sentiment_score":-0.14456590901858904,"num_words":37,"start":399.755,"end":414.1},{"sentences":[{"text":"I'm not too sure how the fund's going because we only just kinda started it up about a year or two ago.","start":414.16,"end":419.92,"sentiment":"neutral","sentiment_score":-0.09618037312545559},{"text":"So I'll check how that one's performing.","start":419.92,"end":422.705,"sentiment":"neutral","sentiment_score":0.037342999396579604},{"text":"Yeah.","start":430.285,"end":430.785,"sentiment":"neutral","sentiment_score":0.0036038411781191826},{"text":"Leave that as is for the moment.","start":431.32498,"end":432.76498,"sentiment":"neutral","sentiment_score":-0.002713970307792936},{"text":"Yeah.","start":432.76498,"end":432.925,"sentiment":"neutral","sentiment_score":0.21348534524440765}],"sentiment":"neutral","sentiment_score":-0.04359146891357867,"num_words":38,"start":414.16,"end":432.925},{"sentences":[{"text":"That sounds pretty accurate.","start":432.925,"end":434.38498,"sentiment":"positive","sentiment_score":0.37078750878572464},{"text":"Invest investment advice is good, but maybe for today's call, just focus on superannuation.","start":444.41,"end":448.99,"sentiment":"neutral","sentiment_score":0.13485342636704445},{"text":"But financial advice is always very good.","start":449.29,"end":457.8125,"sentiment":"neutral","sentiment_score":0.28790960354464395},{"text":"I'm good.","start":471.36002,"end":472.1,"sentiment":"positive","sentiment_score":0.45138660073280334},{"text":"So the circumstances there were yeah.","start":507.565,"end":516.28503,"sentiment":"neutral","sentiment_score":-0.07070598751306534}],"sentiment":"neutral","sentiment_score":0.17772734865094675,"num_words":33,"start":432.925,"end":516.28503},{"sentences":[{"text":"So look, I I had money with rest.","start":516.28503,"end":518.22504,"sentiment":"neutral","sentiment_score":-0.0662943166680634},{"text":"No.","start":520.38,"end":520.54004,"sentiment":"neutral","sentiment_score":-0.2511402368545532},{"text":"I had a heart attack in I mean, with the 2018, but it was like I just had blockage in one in one one artery.","start":520.54004,"end":527.42004,"sentiment":"neutral","sentiment_score":-0.21618891298770904},{"text":"Everything else is clear of heart disease.","start":527.42004,"end":529.26,"sentiment":"neutral","sentiment_score":-0.23194452694484166},{"text":"So, basically, it was like a freak thing.","start":529.26,"end":531.28,"sentiment":"neutral","sentiment_score":-0.258483549579978}],"sentiment":"neutral","sentiment_score":-0.20158566694174493,"num_words":49,"start":516.28503,"end":531.28},{"sentences":[{"text":"So I theoretically don't have heart disease, but because that's happened, I can't, like, move in I had to keep money in there.","start":531.66003,"end":542.695,"sentiment":"neutral","sentiment_score":-0.26700884330531827},{"text":"Otherwise, there was gonna be some kind of charge or whatever if I tried to get or I couldn't get insurance or whatever through you guys.","start":543.075,"end":549.23004,"sentiment":"negative","sentiment_score":-0.4874113385493939},{"text":"So there is just the risk risk account is just kept up in purely for the insurance kind of thing.","start":549.23004,"end":555.81,"sentiment":"neutral","sentiment_score":-0.11329754963517188},{"text":"There's no there's no no supplier contribution supplier.","start":556.51,"end":560.635,"sentiment":"neutral","sentiment_score":-0.1666242480278015},{"text":"Sorry.","start":560.635,"end":561.135,"sentiment":"neutral","sentiment_score":-0.1708628088235855}],"sentiment":"neutral","sentiment_score":-0.289534692103282,"num_words":78,"start":531.66003,"end":561.135},{"sentences":[{"text":"No.","start":561.27496,"end":561.675,"sentiment":"neutral","sentiment_score":-0.2050713300704956},{"text":"None of my employer contributions going to rest.","start":561.675,"end":563.91504,"sentiment":"neutral","sentiment_score":-0.1772537510842085},{"text":"It all goes into your one.","start":563.91504,"end":565.375,"sentiment":"neutral","sentiment_score":-0.009136614700158436},{"text":"Okay.","start":597.965,"end":598.365,"sentiment":"neutral","sentiment_score":0.09050954133272172},{"text":"What's currently in there?","start":598.365,"end":599.745,"sentiment":"neutral","sentiment_score":0.04487888142466545}],"sentiment":"neutral","sentiment_score":-0.07039479799568653,"num_words":20,"start":561.27496,"end":599.745},{"sentences":[{"text":"Okay.","start":608.17,"end":608.67,"sentiment":"neutral","sentiment_score":0.1126432865858078},{"text":"Not off the top of my head.","start":629.215,"end":630.755,"sentiment":"neutral","sentiment_score":-0.07663478063685554},{"text":"Get a lot of emails, both work wise and in my personal one as well.","start":631.215,"end":636.18005,"sentiment":"neutral","sentiment_score":-0.0747529223561287},{"text":"Like, I'm so far behind in my unread emails from work.","start":636.18005,"end":639.62006,"sentiment":"negative","sentiment_score":-0.42873367125337775},{"text":"So, yeah, there's quite a few.","start":639.62006,"end":643.56,"sentiment":"neutral","sentiment_score":-0.23793350656827292}],"sentiment":"neutral","sentiment_score":-0.1922191359102726,"num_words":40,"start":608.17,"end":643.56},{"sentences":[{"text":"That makes sense.","start":701.22003,"end":702.2,"sentiment":"neutral","sentiment_score":0.25674521923065186},{"text":"That sounds yep.","start":735.805,"end":737.005,"sentiment":"positive","sentiment_score":0.380568931500117},{"text":"That sounds quite printable.","start":737.005,"end":738.545,"sentiment":"positive","sentiment_score":0.45841774344444275},{"text":"Yeah.","start":773.025,"end":773.265,"sentiment":"neutral","sentiment_score":0.17884790897369385},{"text":"I'd be okay with that.","start":773.265,"end":774.30505,"sentiment":"neutral","sentiment_score":0.2062489479780197}],"sentiment":"neutral","sentiment_score":0.30973162967711687,"num_words":16,"start":701.22003,"end":774.30505},{"sentences":[{"text":"Yep.","start":774.30505,"end":774.625,"sentiment":"neutral","sentiment_score":0.30324867367744446},{"text":"That sounds good.","start":774.625,"end":775.60504,"sentiment":"positive","sentiment_score":0.6119909485181173},{"text":"Cool.","start":795.435,"end":795.835,"sentiment":"positive","sentiment_score":0.5203964114189148},{"text":"Sounds good.","start":795.835,"end":796.65497,"sentiment":"positive","sentiment_score":0.4489094316959381},{"text":"Yeah.","start":830.255,"end":830.575,"sentiment":"neutral","sentiment_score":0.07626254856586456}],"sentiment":"positive","sentiment_score":0.4542124178260565,"num_words":8,"start":774.30505,"end":830.575},{"sentences":[{"text":"Yeah.","start":830.575,"end":830.815,"sentiment":"neutral","sentiment_score":0.08138072490692139},{"text":"Yeah.","start":830.815,"end":831.215,"sentiment":"neutral","sentiment_score":0.07361973822116852},{"text":"Still need to capitalize now on growth.","start":831.215,"end":834.67505,"sentiment":"neutral","sentiment_score":0.08710600648607526},{"text":"And then if I need to, we can reduce as I get closer to I don't plan to retire.","start":835.68,"end":842.0,"sentiment":"neutral","sentiment_score":-0.0496818344844015},{"text":"But, you know, what would effectively be a retirement day?","start":842.0,"end":846.07996,"sentiment":"neutral","sentiment_score":0.05611474625766277}],"sentiment":"neutral","sentiment_score":0.010050924102726736,"num_words":38,"start":830.575,"end":846.07996},{"sentences":[{"text":"Yes.","start":846.07996,"end":846.57996,"sentiment":"neutral","sentiment_score":0.1876680552959442},{"text":"Yep.","start":891.725,"end":892.225,"sentiment":"neutral","sentiment_score":0.2064233124256134},{"text":"That will change reasonable.","start":892.765,"end":894.38995,"sentiment":"positive","sentiment_score":0.33516383171081543},{"text":"No.","start":909.705,"end":909.945,"sentiment":"neutral","sentiment_score":-0.14814721047878265},{"text":"Not this year.","start":909.945,"end":910.745,"sentiment":"neutral","sentiment_score":-0.13666736334562302}],"sentiment":"neutral","sentiment_score":0.11765973940491677,"num_words":10,"start":846.07996,"end":910.745},{"sentences":[{"text":"No.","start":910.745,"end":911.225,"sentiment":"neutral","sentiment_score":-0.15648576617240906},{"text":"So just yeah.","start":911.225,"end":912.185,"sentiment":"neutral","sentiment_score":-0.07823970417181651},{"text":"Supplier contributions at this stage.","start":912.185,"end":914.125,"sentiment":"neutral","sentiment_score":-0.03747982680797577},{"text":"How do I make more money would be the general would be the general one.","start":929.2,"end":933.62,"sentiment":"neutral","sentiment_score":0.2442802757024765},{"text":"And and more and more so like a passive income.","start":934.895,"end":936.895,"sentiment":"neutral","sentiment_score":0.10516298338770866}],"sentiment":"neutral","sentiment_score":0.12168323402019109,"num_words":34,"start":910.745,"end":936.895},{"sentences":[{"text":"How do I how do I make more like how how do I make more passive income?","start":936.895,"end":940.175,"sentiment":"neutral","sentiment_score":0.0953438054112827},{"text":"Yeah.","start":940.175,"end":940.675,"sentiment":"neutral","sentiment_score":0.11987090110778809},{"text":"Oh, cool.","start":964.745,"end":965.46497,"sentiment":"positive","sentiment_score":0.5284450650215149},{"text":"That's good.","start":965.46497,"end":966.285,"sentiment":"positive","sentiment_score":0.7053656578063965},{"text":"Okay.","start":1020.995,"end":1021.475,"sentiment":"neutral","sentiment_score":0.1620136201381683}],"sentiment":"neutral","sentiment_score":0.19001524603885153,"num_words":23,"start":936.895,"end":1021.475},{"sentences":[{"text":"I think that kinda that makes sense.","start":1021.475,"end":1023.65497,"sentiment":"neutral","sentiment_score":0.19990954654557364},{"text":"Yep.","start":1026.595,"end":1027.095,"sentiment":"neutral","sentiment_score":0.1489739716053009},{"text":"Yep.","start":1027.155,"end":1027.475,"sentiment":"neutral","sentiment_score":0.1688704937696457},{"text":"That seems to make sense.","start":1027.475,"end":1028.515,"sentiment":"neutral","sentiment_score":0.21164779961109162},{"text":"Yeah.","start":1028.515,"end":1029.015,"sentiment":"neutral","sentiment_score":0.2084621340036392}],"sentiment":"neutral","sentiment_score":0.19892749488353728,"num_words":15,"start":1021.475,"end":1029.015},{"sentences":[{"text":"Yes.","start":1043.57,"end":1043.8899,"sentiment":"neutral","sentiment_score":0.2021067440509796},{"text":"Add it add it to the pack.","start":1043.8899,"end":1045.095,"sentiment":"neutral","sentiment_score":0.21754875353404454},{"text":"No.","start":1052.615,"end":1053.115,"sentiment":"neutral","sentiment_score":-0.10713760554790495},{"text":"No.","start":1053.335,"end":1053.735,"sentiment":"neutral","sentiment_score":-0.1384442299604416},{"text":"Not not at this stage.","start":1053.735,"end":1055.115,"sentiment":"neutral","sentiment_score":-0.2209362953901291}],"sentiment":"neutral","sentiment_score":0.02497898042201996,"num_words":15,"start":1043.57,"end":1055.115},{"sentences":[{"text":"Got it.","start":1092.86,"end":1093.6799,"sentiment":"neutral","sentiment_score":0.1990184336900711},{"text":"What's the current balance with the fund at the moment?","start":1104.6951,"end":1106.6951,"sentiment":"neutral","sentiment_score":0.00002524533774703741},{"text":"You said about $2.50?","start":1106.6951,"end":1107.915,"sentiment":"neutral","sentiment_score":-0.011830470990389585},{"text":"Three twenty?","start":1118.3099,"end":1119.0499,"sentiment":"neutral","sentiment_score":0.0038775112479925156},{"text":"Okay.","start":1119.9099,"end":1120.4099,"sentiment":"neutral","sentiment_score":-0.011393746361136436}],"sentiment":"neutral","sentiment_score":0.018280458575310677,"num_words":19,"start":1092.86,"end":1120.4099},{"sentences":[{"text":"$3.50.","start":1121.405,"end":1122.0449,"sentiment":"neutral","sentiment_score":0.0109525416046381},{"text":"Alright.","start":1122.0449,"end":1122.365,"sentiment":"neutral","sentiment_score":0.04866943880915642},{"text":"$3.20 in the Netwealth one, the one that the contribution's going to.","start":1122.365,"end":1125.165,"sentiment":"neutral","sentiment_score":0.07498950511217117},{"text":"Okay.","start":1125.165,"end":1125.405,"sentiment":"neutral","sentiment_score":0.14341165125370026},{"text":"Cool.","start":1125.405,"end":1125.905,"sentiment":"neutral","sentiment_score":0.2927132844924927}],"sentiment":"neutral","sentiment_score":0.0872263110941276,"num_words":16,"start":1121.405,"end":1125.905},{"sentences":[{"text":"Yep.","start":1125.965,"end":1126.465,"sentiment":"neutral","sentiment_score":0.2728925943374634},{"text":"I'll do that.","start":1130.285,"end":1131.105,"sentiment":"positive","sentiment_score":0.5144461592038473},{"text":"Yes, please.","start":1146.67,"end":1147.365,"sentiment":"neutral","sentiment_score":0.085091732442379},{"text":"Yep.","start":1150.005,"end":1150.325,"sentiment":"neutral","sentiment_score":0.0897936075925827},{"text":"That's the primary yep.","start":1150.325,"end":1151.945,"sentiment":"neutral","sentiment_score":0.11624924279749393}],"sentiment":"neutral","sentiment_score":0.23101864687421106,"num_words":11,"start":1125.965,"end":1151.945},{"sentences":[{"text":"Send it to that one, please.","start":1152.085,"end":1153.385,"sentiment":"neutral","sentiment_score":0.15223289032777151},{"text":"Alright.","start":1163.88,"end":1164.2001,"sentiment":"neutral","sentiment_score":0.2894939184188843},{"text":"Cool.","start":1164.2001,"end":1164.52,"sentiment":"neutral","sentiment_score":0.3327370882034302},{"text":"Next fortnight.","start":1164.52,"end":1165.3201,"sentiment":"neutral","sentiment_score":0.13896627724170685},{"text":"Just be aware anytime after October, we'll go into daylight saving down here in Victoria.","start":1165.3201,"end":1172.06,"sentiment":"neutral","sentiment_score":0.03755877626438935}],"sentiment":"neutral","sentiment_score":0.0950777018815279,"num_words":25,"start":1152.085,"end":1172.06},{"sentences":[{"text":"So if if I say, oh, yes.","start":1172.1201,"end":1174.115,"sentiment":"neutral","sentiment_score":0.04091926610895565},{"text":"I'm three at four.","start":1174.115,"end":1175.1549,"sentiment":"neutral","sentiment_score":0.04524692241102457},{"text":"It would be whatever time it is up there.","start":1175.1549,"end":1177.735,"sentiment":"neutral","sentiment_score":0.03813751435114278},{"text":"03:00, I would imagine.","start":1177.875,"end":1179.4149,"sentiment":"neutral","sentiment_score":0.014679149026051164},{"text":"So yeah.","start":1179.5549,"end":1180.755,"sentiment":"neutral","sentiment_score":0.028174016624689102}],"sentiment":"neutral","sentiment_score":0.03560480042002522,"num_words":26,"start":1172.1201,"end":1180.755},{"sentences":[{"text":"Yeah.","start":1180.755,"end":1180.995,"sentiment":"neutral","sentiment_score":0.010050042532384396},{"text":"We will just yeah.","start":1180.995,"end":1182.2949,"sentiment":"neutral","sentiment_score":-0.05238164961338043},{"text":"Yeah.","start":1182.595,"end":1182.835,"sentiment":"neutral","sentiment_score":0.08956853300333023},{"text":"Cool.","start":1182.835,"end":1183.335,"sentiment":"neutral","sentiment_score":0.20197144150733948},{"text":"Yeah.","start":1191.5299,"end":1191.7699,"sentiment":"neutral","sentiment_score":0.0016405154019594193}],"sentiment":"neutral","sentiment_score":0.011712991748936474,"num_words":8,"start":1180.755,"end":1191.7699},{"sentences":[{"text":"Yeah.","start":1191.7699,"end":1192.0099,"sentiment":"neutral","sentiment_score":0.015430210158228874},{"text":"Because yeah.","start":1192.0099,"end":1193.07,"sentiment":"neutral","sentiment_score":0.013553544878959656},{"text":"Yeah.","start":1193.37,"end":1193.5299,"sentiment":"neutral","sentiment_score":0.027558034285902977},{"text":"Yeah.","start":1193.5299,"end":1193.69,"sentiment":"neutral","sentiment_score":0.024929173290729523},{"text":"Just yeah.","start":1193.69,"end":1194.25,"sentiment":"neutral","sentiment_score":-0.009739123284816742}],"sentiment":"neutral","sentiment_score":0.010792322989021028,"num_words":7,"start":1191.7699,"end":1194.25},{"sentences":[{"text":"Because, like, like, I'm assuming, like, if I said 04:00, it's I'm I'm not thinking of it in my time.","start":1194.25,"end":1199.37,"sentiment":"neutral","sentiment_score":-0.1819364570081234},{"text":"So yeah.","start":1199.37,"end":1199.7699,"sentiment":"neutral","sentiment_score":0.003505695611238478},{"text":"Yeah.","start":1199.7699,"end":1200.2699,"sentiment":"neutral","sentiment_score":0.15311065316200256},{"text":"Cool.","start":1200.695,"end":1201.195,"sentiment":"positive","sentiment_score":0.4135133922100067},{"text":"Perfect.","start":1205.255,"end":1205.755,"sentiment":"positive","sentiment_score":0.4780761003494262}],"sentiment":"neutral","sentiment_score":-0.10348070412874222,"num_words":25,"start":1194.25,"end":1205.755},{"sentences":[{"text":"Yep.","start":1206.535,"end":1207.035,"sentiment":"neutral","sentiment_score":0.10637661069631577},{"text":"Oh, cool.","start":1220.35,"end":1221.01,"sentiment":"positive","sentiment_score":0.757929801940918},{"text":"No worries.","start":1227.761,"end":1228.4009,"sentiment":"positive","sentiment_score":0.46492405235767365},{"text":"Thank you.","start":1228.4009,"end":1229.1409,"sentiment":"positive","sentiment_score":0.6917303502559662},{"text":"Yeah.","start":1232.3209,"end":1232.5609,"sentiment":"neutral","sentiment_score":0.2176237404346466}],"sentiment":"positive","sentiment_score":0.5191460950300097,"num_words":8,"start":1206.535,"end":1232.5609},{"sentences":[{"text":"Bye.","start":1232.5609,"end":1233.0609,"sentiment":"neutral","sentiment_score":-0.09737251698970796}],"sentiment":"neutral","sentiment_score":-0.09737251698970796,"num_words":1,"start":1232.5609,"end":1233.0609}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Scott Spinchy.\n\nChannel 0: Hi, Scott. It's Tommy here from Oakview Financial, one of the senior advisers, mate. How are you doing?\n\nChannel 1: I'm alright. How are you?\n\nChannel 0: I'm doing fantastic. Thank you for asking. Mate, I had a bit of a free slot today, so I was just reaching out to see if you have some time to go through an annual review or if I could get you booked in with me.\n\nChannel 1: I did have it locked in my diary for today. So so today is okay. Just be aware I'm still working, but I'm working from home. So I should be able to\n\nChannel 0: Yep.\n\nChannel 1: chat. But if I get a call from my boss, I might have to quickly just apologize and leave. But, yeah, I think I should be okay.\n\nChannel 0: That's no worries at all. Thank you so much for taking the time. I'll just pass you through a quick security check, and then I'll just send you through an email as well. Will you be able to look onto the email pack with me today, or should I just give you a bit of a brief walk through?\n\nChannel 1: Just give me a brief talk through. Yeah. Because I'll kinda still have to work in the background because I've got something I gotta get done by five, so I'm on a bit of a deadline. So\n\nChannel 0: Oh,\n\nChannel 1: if\n\nChannel 0: fair\n\nChannel 1: you give\n\nChannel 0: enough.\n\nChannel 1: me a bit of a brief overview and stuff like that, and I can read the pack on the email at a later stage.\n\nChannel 0: That's perfect. Now just for the security of your information, I'm registered with AptiveAdviser 1273105. Could I please just confirm your date of birth address?\n\nChannel 1: Date of birth is July first nineteen seventy or zero one zero seven one nine seven zero.\n\nChannel 0: Mhmm. Thank you. And just residential address as well, please.\n\nChannel 1: It is 1 Slash 27 Gwenda Avenue in Moorabbin, Victoria. Postcode's 3189.\n\nChannel 0: Perfect. Thank you so much for that, Scott. And just to let you know, the calls are recorded for training and quality purposes.\n\nChannel 1: No problem.\n\nChannel 0: Perfect. So what I was wanting to kind of go through with you today was a bit of a detailed update just to see how things have been tracking with you for what we have on file, let you know kind of what's going on in the market and the superannuation space, and then just quickly touch base on the insurances and the estate planning side thing, if that's okay with you.\n\nChannel 1: That's okay.\n\nChannel 0: Perfect. Now we do have you listed down as an analyst and planning manager. Would that still be your your occupation time?\n\nChannel 1: I am still planner at the moment. Yes.\n\nChannel 0: Yep. And we had your income at about 60,000, but I know we've just gone past end of financial year. Do you know if that's changed?\n\nChannel 1: It's about like, Friday's super intact. It's about '92.\n\nChannel 0: Yep. K. 92 gross. Thank you for that. And I didn't have the employer name listed.\n\nJust wondering if I could grab that from you as well.\n\nChannel 1: I've worked for the department store Myer, which\n\nChannel 0: Oh,\n\nChannel 1: is\n\nChannel 0: cool.\n\nChannel 1: Myer is it Myer Group Limited? I can't remember what the actual business title is, but it's Myer, the\n\nChannel 0: Yeah.\n\nChannel 1: department\n\nChannel 0: Yep.\n\nChannel 1: store. Yeah.\n\nChannel 0: My wife works for Shoes and Soft, one of the consignment stores inside the Myer Tennis for kids shoes.\n\nChannel 1: Oh,\n\nChannel 0: So\n\nChannel 1: yeah.\n\nChannel 0: I think\n\nChannel 1: Yep.\n\nChannel 0: it is My Group Limited.\n\nChannel 1: I think it is Myer Group Limited off the top of my head. Yes.\n\nChannel 0: Perfect. I'll put that in for the time being, and I'll double check that. We're still just waiting for the rest super to send a full rundown through, but they were able to give us a lot of the information that we needed.\n\nChannel 1: Cool.\n\nChannel 0: Last couple of things I'll just check with you, and I'll swing over into the super there is just in terms of marital status, dependents. We had you single there with no dependents, and Lisa, your sister, listed as your next of kin. Does that sound correct?\n\nChannel 1: That sounds correct. I have two systems, but did I list one specifically, did I, or did I list two?\n\nChannel 0: We you had both listed, I believe, as beneficiary for the\n\nChannel 1: Oh,\n\nChannel 0: super,\n\nChannel 1: cool. Yeah.\n\nChannel 0: Lisa and Carrie.\n\nChannel 1: Yep. Perfect.\n\nChannel 0: Yep. So they're listed as beneficiaries. We just had Lisa listed as, like, an emergency contact\n\nChannel 1: Okay.\n\nChannel 0: in case anything\n\nChannel 1: Yes.\n\nChannel 0: happens.\n\nChannel 1: She's the best. Yes. Yes. I'm and I'm her emergency contact. So, yes, like a reverse.\n\nYep.\n\nChannel 0: Perfect. And I was just quickly wondering, do you, by chance, have her phone number handy that I can add on to your file?\n\nChannel 1: Yeah. It'll be in my phone. Just let me grab it. Bear with me one moment.\n\nChannel 0: Thank you, Scott.\n\nChannel 1: Okay. Her mobile number,\n\nChannel 0: Yes, Carrefour. It.\n\nChannel 1: 0417119672.\n\nChannel 0: Zero four one seven one one nine six 72. Beautiful. Got that added. Thank you so much for that. And the last couple of things I was gonna check is just in terms of assets and estate planning.\n\nSo we've got the beneficiaries in place, but I don't believe you put in place, like, a will or a power of attorney or anything like that.\n\nChannel 1: No. I don't have that. No. Yeah. That I don't actually have.\n\nChannel 0: K. No\n\nChannel 1: I should\n\nChannel 0: worries.\n\nChannel 1: probably set something like that up.\n\nChannel 0: Yeah. If it is helpful, you can get, like like, government approved will kits and power of attorney kits from Australia Post for about $25 a pop. And we do have some lawyers that give kind of discounted packages to do them online if you would find that helpful. I can send a bit of a brochure through\n\nChannel 1: Yeah. Do that. That'd be lovely.\n\nChannel 0: to\n\nChannel 1: Thank you.\n\nChannel 0: you. No worries. And lastly, in terms of assets, so I'm kind of doing a bit of, like, rent vesting a little bit where you were renting, had a couple of cars, and had some colonial first day investments that you were growing. Is that correct?\n\nChannel 1: I have one car. I have an investment in Colonial First State. I also am a I have a strategic was it strategic financials objective fund or whatever? I have money invested in that. They're the primary investment things.\n\nI've got basic Telstra shares and very basic Myer shares. Not a lot. The the shares wouldn't be worth much. The Colonial First Aid was about 30 odd thousand plus in there. I'm not too sure how the\n\nChannel 0: Yep.\n\nChannel 1: fund's going because we only just kinda started it up about a year or two ago. So I'll check how that one's performing.\n\nChannel 0: Cool. So I think I had the strategic at about 20 previously and 30 in colonial. Should I leave\n\nChannel 1: Yeah.\n\nChannel 0: that as is for now?\n\nChannel 1: Leave that as is for the moment. Yeah. That sounds pretty accurate.\n\nChannel 0: Yep. Perfect. Are you looking for any investment advice this year, or should we just focus on the superannuation at this point?\n\nChannel 1: Invest investment advice is good, but maybe for today's call, just focus on superannuation. But financial advice is always very\n\nChannel 0: Perfect. So what I'll do is I'm already\n\nChannel 1: good.\n\nChannel 0: looking at making a few updates to the super. So I'd like to just briefly discuss what I'm thinking with you. I'll put together an updated plan for you. And then once we go through that, we can always touch base on the personal investment if if you'd prefer that way.\n\nChannel 1: I'm good.\n\nChannel 0: Perfect. While I dive into the super here, so I'm just having a quick look at the data we pulled from from rest. We've got a little bit of insurances attached. They're sitting at 120,000 of life insurance, 30 of total disability, 2,000 a month worth of income protection, and I believe that was kept in place due to, like, previous heart attack and things like that. So I just wanted to double check.\n\nAre we still just keeping that in force? Are you looking for any quotes or changes there?\n\nChannel 1: So the circumstances there were yeah. So look, I I had money with rest. No. I had a heart attack in I mean, with the 2018, but it was like I just had blockage in one in one one artery. Everything else is clear of heart disease.\n\nSo, basically, it was like a freak thing. So I theoretically\n\nChannel 0: Mhmm.\n\nChannel 1: don't have heart disease, but because that's happened, I can't, like, move in I had to keep money in there. Otherwise, there was gonna be some kind of charge or whatever if I tried to get or I couldn't get insurance or whatever through you guys. So there is just the risk\n\nChannel 0: Yes.\n\nChannel 1: risk account is just kept up in purely for the insurance kind of thing. There's no there's no no supplier contribution supplier. Sorry. No. None of my employer contributions going to rest.\n\nIt all goes into your one.\n\nChannel 0: Yeah. So what we can do there, I usually do a bit of a buffer where you have to keep a 6,000 minimum to keep the account open. I usually do about two years worth of premiums and a 20% buffer for the market movements just to make sure if premiums go up and the stock market goes down, there's no risk of it kind of closing or lapsing due to market movements. So I'm thinking probably about 10,000 to keep in there would be a safe amount for this year.\n\nChannel 1: Okay. What's currently in there?\n\nChannel 0: It's sitting at about $27.28 depending on the fluctuation of the unit prices.\n\nChannel 1: Okay.\n\nChannel 0: In addition to that too, so with your Netwealth super, you would have received an email earlier in the year, a record of advice that we sent through to all clients who were invested in a Benelon investment option. Do you recall seeing that email\n\nChannel 1: Not off\n\nChannel 0: at\n\nChannel 1: the top of my head. Get a lot of emails,\n\nChannel 0: all?\n\nChannel 1: both work wise\n\nChannel 0: No.\n\nChannel 1: and in\n\nChannel 0: I can\n\nChannel 1: my\n\nChannel 0: imagine.\n\nChannel 1: personal one as well.\n\nChannel 0: Yeah.\n\nChannel 1: Like, I'm so far behind in my unread emails from work. So, yeah, there's quite a few.\n\nChannel 0: Yeah. That's okay. So to sort of let you know what happened there in the background is when the markets were kind of dropping around February, March with the Iran war kicking off, we noticed one of the investment options was kind of dropping faster than the wider market was, and it wasn't rebounding in the way that we would expect it to. So rather than just waiting for an annual review, doing an updated strategy document, we met with the investment committee and made a decision across the whole client base to divest everyone from that option to sort of stop that from continuing. So we actually sold you out of that one, moved some of the funds into to, like, a lower fee Australian share option, and kept a little bit of cash off to the side until we could kind of speak to you and talk about a bit of an updated plan and strategy, if that makes sense.\n\nChannel 1: That makes sense.\n\nChannel 0: So what I'm thinking at the moment is everything in your Netwealth Super is pretty much a passive low fee ETFs at the moment, especially since we divested out of Benelux. So if you're comfortable with that style of getting that kind of, you know, primarily capital growth, but with low investment fees, I can keep that style there, but just kind of rebalance the investments a little bit, deploy some of that cash that's been sitting off to the side if you're comfortable with that too.\n\nChannel 1: That sounds yep. That sounds quite printable.\n\nChannel 0: The last two things I wanna do as well is in the rest investment, they do have a pretty decent growth index fund now that has finally built a bit of a track record. So I'm thinking of just doing a bit of a side step of the investments from the current growth investment it's in into a bit of a lower fee index fund with a bit better performance. So whatever funds are still sitting there, they're just growing a little bit better with a little bit less fees coming out of them. If you'd be okay for me to research that for you.\n\nChannel 1: Yeah. I'd be okay with that. Yep. That sounds good.\n\nChannel 0: Cool. So I'll put that together in an updated plan just comparing the rebalance of net wealth, the investments which would rest, and a bit of a movement of funds between the two accounts. And then in a few weeks' time, we'll get you booked in and just run through that plan together, make sure you're comfortable before we touch touch anything.\n\nChannel 1: Cool. Sounds good.\n\nChannel 0: Any issues on your end in terms of that growth risk profile? So you're still at that kind of four out of five level. You're not high risk, but you're not in the middle. You're still focusing mostly on trying to get that last bit of, you know, high capital growth. I do note that we've got about eleven to fourteen years until retirement.\n\nSo I'm just trying to gauge, are you okay to kind of spend the next few years still focusing mostly on growth with an aim to kind of reduce risk gradually as you get closer to retirement?\n\nChannel 1: Yeah. Yeah. Yeah. Still need to capitalize now on growth. And then if I need to, we can reduce as I get closer to I don't plan to retire.\n\nBut, you know, what would effectively be a retirement day? Yes.\n\nChannel 0: Yeah. And one of the interesting things about this period of life is that because now you've built up that kind of 350,000 in super. You've got such a big base. If you get a good return for a few years of that 10 to 15%, you're gonna start to see it grow up to four, five, six, seven, eight hundred thousand dollars very quickly. But at the same time, you don't have that decade to kind of protect it if the market crashes a few years before retirement.\n\nSo we're kind of at that last period of growth and then trying to time protecting it before anything too serious happens in the last five to seven years.\n\nChannel 1: Yep. That will change reasonable.\n\nChannel 0: Perfect. Last question is just in terms of contributions there, do you want me to model it based on just what your employer is putting in? Are you intending to do any salary for price this year?\n\nChannel 1: No. Not this year. No. So just yeah. Supplier contributions at this stage.\n\nChannel 0: Perfect. Is there any other kind of major cash flow priority to you besides the investment that you're you're managing that I I can note down as a goal for you?\n\nChannel 1: How do I make more money would be the general would be the general one. And and more and more so like\n\nChannel 0: Cool.\n\nChannel 1: a passive\n\nChannel 0: So we'll\n\nChannel 1: income.\n\nChannel 0: clean\n\nChannel 1: How\n\nChannel 0: up\n\nChannel 1: do\n\nChannel 0: the\n\nChannel 1: I\n\nChannel 0: super\n\nChannel 1: how do I make\n\nChannel 0: then.\n\nChannel 1: more like how how do I make more passive income? Yeah.\n\nChannel 0: Yep. I'm with you. What I'll do is I'll pencil in. So as soon as we go through the updated super plan, I will just kind of extend that meeting out just a little bit to talk about the personal investment side of things. Or if you don't have time for that at the time, I'll just book in again before Christmas time to go through that with you.\n\nMight have a few ideas that I can send you away.\n\nChannel 1: Oh, cool. That's good.\n\nChannel 0: Awesome. And one last little lovely present from Oakview is Michelle had sent you through a consent form with Netwealth to remain advisers with the kind of standard fee structure for Oakview, the 1.65%. We have released PFE discounts. All clients who are above 200,000, they start to get a discount between 2 and 500. And for 500,000 above, there's a further discount.\n\nSo I just wanted to kind of let you know that my intention is to send you through one of the discounted fee structures, but I did need to just briefly explain to you that it is a flat structure. So rather than fluctuating with your balance, it is a lower percentage, but locked in for twelve months at a time.\n\nChannel 1: Okay. I think that kinda that makes sense. Yep. Yep. That seems\n\nChannel 0: Again,\n\nChannel 1: to make sense. Yeah.\n\nChannel 0: I'll send that through to kind of have a look at. If you've got any questions, just let us know. We can have a chat again for that statement of advice as well. But if you're okay with that idea, I can kind of just add it to the annual review pack for you to look\n\nChannel 1: Yes. Add it add it to the pack.\n\nChannel 0: Yep. Awesome. Any questions for me so far, sir? Cool.\n\nChannel 1: No. No. Not not at this stage.\n\nChannel 0: The last thing I'll let you know is inside the pack itself, it's got, like, the performance figures, the summary of all your products. We have included a tax file number opt in form just to make sure you're still comfortable for us to hold that number because it is quite important. And alongside that updated consent form, there is also an updated service side, which towards the second half of the document, it fully breaks down the new tier fee structure. Structure. So if you wanna kind of see what that looks like, you just go into the financial services guy.\n\nChannel 1: Got it.\n\nChannel 0: Awesome. But that's pretty much everything I had for today. Is there anything else I can do before I let you go?\n\nChannel 1: What's the current balance with the fund at the moment? You said about $2.50?\n\nChannel 0: No. So I'll grab it back up there with you for one moment. So you've got $3.20 in net wealth and about 20\n\nChannel 1: Three twenty?\n\nChannel 0: 8 in rep, so just\n\nChannel 1: Okay.\n\nChannel 0: shy of $3.50.\n\nChannel 1: $3.50. Alright. $3.20 in the Netwealth one, the one that the contribution's going to. Okay. Cool.\n\nYep.\n\nChannel 0: Happy with\n\nChannel 1: I'll do that.\n\nChannel 0: that? Awesome. Alright, mate. I do really appreciate you taking the time to talk to me while you're at work. I try to keep it as brief as possible, but I will update that review pack through to your it's your Gmail account.\n\nIs that\n\nChannel 1: Yes,\n\nChannel 0: okay\n\nChannel 1: please.\n\nChannel 0: to use as your primary email still?\n\nChannel 1: Yep. That's the primary yep. Send it to that one, please.\n\nChannel 0: Awesome. Mate, thank you so much for your time. Have a fantastic day, and we'll reach out in the next fortnight to book you in for the updated plan.\n\nChannel 1: Alright. Cool. Next fortnight. Just be aware anytime after October, we'll go into daylight saving down here\n\nChannel 0: Yep.\n\nChannel 1: in Victoria. So if if I say, oh, yes. I'm three at four. It would be whatever time it is up there. 03:00, I would imagine.\n\nSo\n\nChannel 0: Yep.\n\nChannel 1: yeah. Yeah.\n\nChannel 0: No. That's\n\nChannel 1: We\n\nChannel 0: no\n\nChannel 1: will\n\nChannel 0: worries\n\nChannel 1: just\n\nChannel 0: at\n\nChannel 1: yeah.\n\nChannel 0: all. I've been staring\n\nChannel 1: Yeah. Cool.\n\nChannel 0: at the daylight savings cost daily even though I'm not not for a few weeks, and I keep thinking, oh, is it today? Is it today? No. The first Sunday I've got, I think.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: I'll\n\nChannel 1: Because\n\nChannel 0: keep that in\n\nChannel 1: yeah.\n\nChannel 0: mind.\n\nChannel 1: Yeah. Yeah. Just yeah. Because, like, like, I'm assuming, like, if I said 04:00, it's I'm I'm not thinking of it in my time. So yeah.\n\nYeah. Cool.\n\nChannel 0: Yeah. We're pretty good with converting\n\nChannel 1: Perfect.\n\nChannel 0: it. Not a 100\n\nChannel 1: Yep.\n\nChannel 0: percent accuracy, but about 98%, we're pretty good with it. But we'll send you, when we do book it in, like a a text message reminder as well with both times. And if anything is a missed day, just reply back.\n\nChannel 1: Oh, cool.\n\nChannel 0: Awesome, mate. Thank you so much for your time, and I'll see you later.\n\nChannel 1: No worries. Thank you.\n\nChannel 0: Yes. Bye.\n\nChannel 1: Yeah. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.16,"end":0.48,"sentiment":"neutral","sentiment_score":0.023182954639196396},{"text":"Scott Spinchy.","start":0.48,"end":1.46,"sentiment":"neutral","sentiment_score":0.01583654247224331}],"sentiment":"neutral","sentiment_score":0.018285346527894337,"channel":1,"num_words":3,"start":0.16,"end":1.46},{"sentences":[{"text":"Hi, Scott.","start":2.6399999,"end":3.28,"sentiment":"neutral","sentiment_score":0.1252061165869236},{"text":"It's Tommy here from Oakview Financial, one of the senior advisers, mate.","start":3.28,"end":6.3999996,"sentiment":"neutral","sentiment_score":0.14757455388704935},{"text":"How are you doing?","start":6.3999996,"end":7.14,"sentiment":"neutral","sentiment_score":0.18996023014187813}],"sentiment":"neutral","sentiment_score":0.1545082111325529,"channel":0,"num_words":18,"start":2.6399999,"end":7.14},{"sentences":[{"text":"I'm alright.","start":7.3599997,"end":7.8399997,"sentiment":"neutral","sentiment_score":0.259152814745903},{"text":"How are you?","start":7.8399997,"end":8.74,"sentiment":"neutral","sentiment_score":0.24497120579083762}],"sentiment":"neutral","sentiment_score":0.25064384937286377,"channel":1,"num_words":5,"start":7.3599997,"end":8.74},{"sentences":[{"text":"I'm doing fantastic.","start":9.36,"end":10.5,"sentiment":"positive","sentiment_score":0.8033475081125895},{"text":"Thank you for asking.","start":10.559999,"end":11.54,"sentiment":"positive","sentiment_score":0.7956463545560837},{"text":"Mate, I had a bit of a free slot today, so I was just reaching out to see if you have some time to go through an annual review or if I could get you booked in with me.","start":12.0,"end":20.585,"sentiment":"neutral","sentiment_score":0.19584233027238113}],"sentiment":"neutral","sentiment_score":0.2876191048518471,"channel":0,"num_words":46,"start":9.36,"end":20.585},{"sentences":[{"text":"I did have it locked in my diary for today.","start":22.205,"end":24.285,"sentiment":"neutral","sentiment_score":0.049825822561979295},{"text":"So so today is okay.","start":24.285,"end":25.884998,"sentiment":"neutral","sentiment_score":0.19820022881031035},{"text":"Just be aware I'm still working, but I'm working from home.","start":25.884998,"end":28.365,"sentiment":"neutral","sentiment_score":0.05598888546228409},{"text":"So I should be able to","start":28.365,"end":29.744999,"sentiment":"neutral","sentiment_score":0.14333994686603546}],"sentiment":"neutral","sentiment_score":0.09266177471727133,"channel":1,"num_words":32,"start":22.205,"end":29.744999},{"sentences":[{"text":"Yep.","start":29.54,"end":30.04,"sentiment":"neutral","sentiment_score":0.09309262037277222}],"sentiment":"neutral","sentiment_score":0.09309262037277222,"channel":0,"num_words":1,"start":29.54,"end":30.04},{"sentences":[{"text":"chat.","start":30.46,"end":30.699999,"sentiment":"neutral","sentiment_score":0.08521929383277893},{"text":"But if I get a call from my boss, I might have to quickly just apologize and leave.","start":30.699999,"end":34.86,"sentiment":"neutral","sentiment_score":-0.1299265053951078},{"text":"But, yeah, I think I should be okay.","start":34.86,"end":38.079998,"sentiment":"neutral","sentiment_score":0.23475025221705437}],"sentiment":"neutral","sentiment_score":-0.013905769834915796,"channel":1,"num_words":27,"start":30.46,"end":38.079998},{"sentences":[{"text":"That's no worries at all.","start":39.245003,"end":40.205,"sentiment":"positive","sentiment_score":0.37448071241378783},{"text":"Thank you so much for taking the time.","start":40.205,"end":41.985,"sentiment":"positive","sentiment_score":0.6900113672018051},{"text":"I'll just pass you through a quick security check, and then I'll just send you through an email as well.","start":42.365,"end":47.425,"sentiment":"positive","sentiment_score":0.3570199817419052},{"text":"Will you be able to look onto the email pack with me today, or should I just give you a bit of a brief walk through?","start":47.805,"end":52.29,"sentiment":"neutral","sentiment_score":0.1718361581174227}],"sentiment":"neutral","sentiment_score":0.32204464823007584,"channel":0,"num_words":59,"start":39.245003,"end":52.29},{"sentences":[{"text":"Just give me a brief talk through.","start":52.675,"end":54.195,"sentiment":"neutral","sentiment_score":0.07121776682989937},{"text":"Yeah.","start":54.195,"end":54.434998,"sentiment":"neutral","sentiment_score":0.028881538659334183},{"text":"Because I'll kinda still have to work in the background because I've got something I gotta get done by five, so I'm on a bit of a deadline.","start":54.434998,"end":60.274998,"sentiment":"neutral","sentiment_score":-0.05178077192977071},{"text":"So","start":60.274998,"end":60.774998,"sentiment":"neutral","sentiment_score":0.02081817016005516}],"sentiment":"neutral","sentiment_score":-0.024368582092024183,"channel":1,"num_words":37,"start":52.675,"end":60.774998},{"sentences":[{"text":"Oh,","start":61.49,"end":61.73,"sentiment":"neutral","sentiment_score":0.0461680069565773}],"sentiment":"neutral","sentiment_score":0.0461680069565773,"channel":0,"num_words":1,"start":61.49,"end":61.73},{"sentences":[{"text":"if","start":61.640003,"end":61.800003,"sentiment":"neutral","sentiment_score":0.04013458639383316}],"sentiment":"neutral","sentiment_score":0.04013458639383316,"channel":1,"num_words":1,"start":61.640003,"end":61.800003},{"sentences":[{"text":"fair","start":61.73,"end":61.97,"sentiment":"neutral","sentiment_score":0.03466447815299034}],"sentiment":"neutral","sentiment_score":0.03466447815299034,"channel":0,"num_words":1,"start":61.73,"end":61.97},{"sentences":[{"text":"you give","start":61.800003,"end":62.04,"sentiment":"neutral","sentiment_score":0.038766851648688316}],"sentiment":"neutral","sentiment_score":0.038766851648688316,"channel":1,"num_words":2,"start":61.800003,"end":62.04},{"sentences":[{"text":"enough.","start":61.97,"end":62.47,"sentiment":"neutral","sentiment_score":0.04184095561504364}],"sentiment":"neutral","sentiment_score":0.04184095561504364,"channel":0,"num_words":1,"start":61.97,"end":62.47},{"sentences":[{"text":"me a bit of a brief overview and stuff like that, and I can read the pack on the email at a later stage.","start":62.04,"end":68.62,"sentiment":"neutral","sentiment_score":0.10898608528077602}],"sentiment":"neutral","sentiment_score":0.10898608528077602,"channel":1,"num_words":24,"start":62.04,"end":68.62},{"sentences":[{"text":"That's perfect.","start":69.945,"end":70.765,"sentiment":"positive","sentiment_score":0.6033707857131958},{"text":"Now just for the security of your information, I'm registered with AptiveAdviser 1273105.","start":70.905,"end":77.085,"sentiment":"neutral","sentiment_score":0.08083413569973065},{"text":"Could I please just confirm your date of birth address?","start":77.145,"end":79.565,"sentiment":"neutral","sentiment_score":0.042687682434916496}],"sentiment":"neutral","sentiment_score":0.1073784863948822,"channel":0,"num_words":25,"start":69.945,"end":79.565},{"sentences":[{"text":"Date of birth is July first nineteen seventy or zero one zero seven one nine seven zero.","start":80.435,"end":86.695,"sentiment":"neutral","sentiment_score":0.022195260752649867}],"sentiment":"neutral","sentiment_score":0.022195260752649867,"channel":1,"num_words":17,"start":80.435,"end":86.695},{"sentences":[{"text":"Mhmm.","start":87.479996,"end":87.979996,"sentiment":"neutral","sentiment_score":0.04919924959540367},{"text":"Thank you.","start":89.64,"end":90.28,"sentiment":"neutral","sentiment_score":0.17035628855228424},{"text":"And just residential address as well, please.","start":90.28,"end":92.535,"sentiment":"neutral","sentiment_score":0.06254614197782107}],"sentiment":"neutral","sentiment_score":0.08277348205447196,"channel":0,"num_words":10,"start":87.479996,"end":92.535},{"sentences":[{"text":"It is 1 Slash 27 Gwenda Avenue in Moorabbin, Victoria.","start":93.32,"end":99.42,"sentiment":"neutral","sentiment_score":0.04085914697498083},{"text":"Postcode's 3189.","start":99.96,"end":101.58,"sentiment":"neutral","sentiment_score":0.027353687211871147}],"sentiment":"neutral","sentiment_score":0.03860823701446255,"channel":1,"num_words":12,"start":93.32,"end":101.58},{"sentences":[{"text":"Perfect.","start":103.895004,"end":104.395004,"sentiment":"positive","sentiment_score":0.5239788293838501},{"text":"Thank you so much for that, Scott.","start":104.455,"end":105.93,"sentiment":"positive","sentiment_score":0.6891008274895805},{"text":"And just to let you know, the calls are recorded for training and quality purposes.","start":106.33,"end":110.27,"sentiment":"neutral","sentiment_score":0.25534180700778963}],"sentiment":"positive","sentiment_score":0.3990352924751199,"channel":0,"num_words":23,"start":103.895004,"end":110.27},{"sentences":[{"text":"No problem.","start":111.745,"end":112.565,"sentiment":"neutral","sentiment_score":0.28672803938388824}],"sentiment":"neutral","sentiment_score":0.28672803938388824,"channel":1,"num_words":2,"start":111.745,"end":112.565},{"sentences":[{"text":"Perfect.","start":113.61,"end":114.11,"sentiment":"neutral","sentiment_score":0.05301116779446602},{"text":"So what I was wanting to kind of go through with you today was a bit of a detailed update just to see how things have been tracking with you for what we have on file, let you know kind of what's going on in the market and the superannuation space, and then just quickly touch base on the insurances and the estate planning side thing, if that's okay with you.","start":114.25,"end":133.465,"sentiment":"neutral","sentiment_score":0.10718013828908893}],"sentiment":"neutral","sentiment_score":0.10642779147666362,"channel":0,"num_words":72,"start":113.61,"end":133.465},{"sentences":[{"text":"That's okay.","start":133.765,"end":134.425,"sentiment":"neutral","sentiment_score":0.2819952815771103}],"sentiment":"neutral","sentiment_score":0.2819952815771103,"channel":1,"num_words":2,"start":133.765,"end":134.425},{"sentences":[{"text":"Perfect.","start":135.445,"end":135.945,"sentiment":"positive","sentiment_score":0.5642416477203369},{"text":"Now we do have you listed down as an analyst and planning manager.","start":136.56,"end":141.46,"sentiment":"neutral","sentiment_score":0.10354284483652848},{"text":"Would that still be your your occupation time?","start":141.52,"end":144.1,"sentiment":"neutral","sentiment_score":0.03472181665711105}],"sentiment":"neutral","sentiment_score":0.09945787108418616,"channel":0,"num_words":22,"start":135.445,"end":144.1},{"sentences":[{"text":"I am still planner at the moment.","start":144.51001,"end":146.11,"sentiment":"neutral","sentiment_score":0.013187831533806664},{"text":"Yes.","start":146.11,"end":146.61,"sentiment":"neutral","sentiment_score":0.08099785447120667}],"sentiment":"neutral","sentiment_score":0.021664084400981665,"channel":1,"num_words":8,"start":144.51001,"end":146.61},{"sentences":[{"text":"Yep.","start":147.44,"end":147.94,"sentiment":"neutral","sentiment_score":0.07157853990793228},{"text":"And we had your income at about 60,000, but I know we've just gone past end of financial year.","start":148.0,"end":153.45499,"sentiment":"neutral","sentiment_score":-0.009732629515622792},{"text":"Do you know if that's changed?","start":153.45499,"end":154.83499,"sentiment":"neutral","sentiment_score":-0.020115745564301808}],"sentiment":"neutral","sentiment_score":-0.00900138054902737,"channel":0,"num_words":26,"start":147.44,"end":154.83499},{"sentences":[{"text":"It's about like, Friday's super intact.","start":158.235,"end":161.03499,"sentiment":"neutral","sentiment_score":0.11435809917747974},{"text":"It's about '92.","start":161.03499,"end":162.495,"sentiment":"neutral","sentiment_score":0.03898053616285324}],"sentiment":"neutral","sentiment_score":0.0892322448392709,"channel":1,"num_words":9,"start":158.235,"end":162.495},{"sentences":[{"text":"Yep.","start":164.33499,"end":164.73,"sentiment":"neutral","sentiment_score":0.05857338756322861},{"text":"K.","start":165.61,"end":166.09,"sentiment":"neutral","sentiment_score":0.035941705107688904},{"text":"92 gross.","start":166.09,"end":167.29,"sentiment":"neutral","sentiment_score":0.09317633882164955},{"text":"Thank you for that.","start":167.29,"end":168.43,"sentiment":"positive","sentiment_score":0.6132703870534897},{"text":"And I didn't have the employer name listed.","start":169.12999,"end":171.95,"sentiment":"neutral","sentiment_score":0.10281071811914444}],"sentiment":"neutral","sentiment_score":0.22227719146758318,"channel":0,"num_words":16,"start":164.33499,"end":171.95},{"sentences":[{"text":"Just wondering if I could grab that from you as well.","start":172.65,"end":174.98999,"sentiment":"neutral","sentiment_score":0.09716846760023724}],"sentiment":"neutral","sentiment_score":0.09716846760023724,"channel":0,"num_words":11,"start":172.65,"end":174.98999},{"sentences":[{"text":"I've worked for the department store Myer, which","start":176.31,"end":181.67,"sentiment":"neutral","sentiment_score":0.030045471154153347}],"sentiment":"neutral","sentiment_score":0.030045471154153347,"channel":1,"num_words":8,"start":176.31,"end":181.67},{"sentences":[{"text":"Oh,","start":181.535,"end":181.695,"sentiment":"neutral","sentiment_score":0.12445150315761566}],"sentiment":"neutral","sentiment_score":0.12445150315761566,"channel":0,"num_words":1,"start":181.535,"end":181.695},{"sentences":[{"text":"is","start":181.67,"end":181.90999,"sentiment":"neutral","sentiment_score":0.13209939002990723}],"sentiment":"neutral","sentiment_score":0.13209939002990723,"channel":1,"num_words":1,"start":181.67,"end":181.90999},{"sentences":[{"text":"cool.","start":181.695,"end":182.195,"sentiment":"neutral","sentiment_score":0.11344480514526369}],"sentiment":"neutral","sentiment_score":0.11344480514526369,"channel":0,"num_words":1,"start":181.695,"end":182.195},{"sentences":[{"text":"Myer is it Myer Group Limited?","start":181.90999,"end":183.84999,"sentiment":"neutral","sentiment_score":0.020031572009126346},{"text":"I can't remember what the actual business title is, but it's Myer, 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wife works for Shoes and Soft, one of the consignment stores inside the Myer Tennis for kids 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there.","start":533.66003,"end":542.695,"sentiment":"neutral","sentiment_score":-0.2756783921271563},{"text":"Otherwise, there was gonna be some kind of charge or whatever if I tried to get or I couldn't get insurance or whatever through you guys.","start":543.075,"end":549.23004,"sentiment":"negative","sentiment_score":-0.4874113385493939},{"text":"So there is just the risk","start":549.23004,"end":551.55,"sentiment":"neutral","sentiment_score":-0.12308275202910106}],"sentiment":"negative","sentiment_score":-0.36393767609619176,"channel":1,"num_words":52,"start":533.66003,"end":551.55},{"sentences":[{"text":"Yes.","start":551.345,"end":551.64,"sentiment":"neutral","sentiment_score":-0.004147712141275406}],"sentiment":"neutral","sentiment_score":-0.004147712141275406,"channel":0,"num_words":1,"start":551.345,"end":551.64},{"sentences":[{"text":"risk account is just kept up in purely for the insurance kind of thing.","start":551.55,"end":555.81,"sentiment":"neutral","sentiment_score":-0.10910389146634511},{"text":"There's no there's no no supplier contribution supplier.","start":556.51,"end":560.635,"sentiment":"neutral","sentiment_score":-0.1666242480278015},{"text":"Sorry.","start":560.635,"end":561.135,"sentiment":"neutral","sentiment_score":-0.1708628088235855},{"text":"No.","start":561.27496,"end":561.675,"sentiment":"neutral","sentiment_score":-0.2050713300704956},{"text":"None of my employer contributions going to rest.","start":561.675,"end":563.91504,"sentiment":"neutral","sentiment_score":-0.1772537510842085}],"sentiment":"neutral","sentiment_score":-0.14545039413496852,"channel":1,"num_words":32,"start":551.55,"end":563.91504},{"sentences":[{"text":"It all goes into your one.","start":563.91504,"end":565.375,"sentiment":"neutral","sentiment_score":-0.009136614700158436}],"sentiment":"neutral","sentiment_score":-0.009136614700158436,"channel":1,"num_words":6,"start":563.91504,"end":565.375},{"sentences":[{"text":"Yeah.","start":567.0,"end":567.345,"sentiment":"neutral","sentiment_score":0.1914364397525787},{"text":"So what we can do there, I usually do a bit of a buffer where you have to keep a 6,000 minimum to keep the account open.","start":567.745,"end":576.88495,"sentiment":"neutral","sentiment_score":0.25860714967604037},{"text":"I usually do about two years worth of premiums and a 20% buffer for the market movements just to make sure if premiums go up and the stock market goes down, there's no risk of it kind of closing or lapsing due to market movements.","start":577.02496,"end":591.96,"sentiment":"neutral","sentiment_score":0.22406799950533443},{"text":"So I'm thinking probably about 10,000 to keep in there would be a safe amount for this year.","start":592.26,"end":597.075,"sentiment":"neutral","sentiment_score":0.32196510169241166}],"sentiment":"neutral","sentiment_score":0.25332155262867173,"channel":0,"num_words":91,"start":567.0,"end":597.075},{"sentences":[{"text":"Okay.","start":597.965,"end":598.365,"sentiment":"neutral","sentiment_score":0.09050954133272172},{"text":"What's currently in there?","start":598.365,"end":599.745,"sentiment":"neutral","sentiment_score":0.04487888142466545}],"sentiment":"neutral","sentiment_score":0.054005013406276704,"channel":1,"num_words":5,"start":597.965,"end":599.745},{"sentences":[{"text":"It's sitting at about $27.28 depending on the fluctuation of the unit prices.","start":601.955,"end":607.41504,"sentiment":"neutral","sentiment_score":0.06522748504693691}],"sentiment":"neutral","sentiment_score":0.06522748504693691,"channel":0,"num_words":13,"start":601.955,"end":607.41504},{"sentences":[{"text":"Okay.","start":608.17,"end":608.67,"sentiment":"neutral","sentiment_score":0.1126432865858078}],"sentiment":"neutral","sentiment_score":0.1126432865858078,"channel":1,"num_words":1,"start":608.17,"end":608.67},{"sentences":[{"text":"In addition to that too, so with your Netwealth super, you would have received an email earlier in the year, a record of advice that we sent through to all clients who were invested in a Benelon investment option.","start":613.18,"end":625.66003,"sentiment":"neutral","sentiment_score":0.1505866608558557},{"text":"Do you recall seeing that email","start":625.66003,"end":627.305,"sentiment":"neutral","sentiment_score":0.028597792920966942}],"sentiment":"neutral","sentiment_score":0.1343214784645372,"channel":0,"num_words":45,"start":613.18,"end":627.305},{"sentences":[{"text":"Not off","start":629.215,"end":629.615,"sentiment":"neutral","sentiment_score":-0.05141749605536461}],"sentiment":"neutral","sentiment_score":-0.05141749605536461,"channel":1,"num_words":2,"start":629.215,"end":629.615},{"sentences":[{"text":"at","start":629.525,"end":630.025,"sentiment":"neutral","sentiment_score":-0.06858175992965698}],"sentiment":"neutral","sentiment_score":-0.06858175992965698,"channel":0,"num_words":1,"start":629.525,"end":630.025},{"sentences":[{"text":"the top of my head.","start":629.615,"end":630.755,"sentiment":"neutral","sentiment_score":-0.08672169446945191},{"text":"Get a lot of emails,","start":631.215,"end":632.34,"sentiment":"neutral","sentiment_score":-0.026265713199973107}],"sentiment":"neutral","sentiment_score":-0.05649370383471251,"channel":1,"num_words":10,"start":629.615,"end":632.34},{"sentences":[{"text":"all?","start":632.245,"end":632.745,"sentiment":"neutral","sentiment_score":-0.01676655374467373}],"sentiment":"neutral","sentiment_score":-0.01676655374467373,"channel":0,"num_words":1,"start":632.245,"end":632.745},{"sentences":[{"text":"both work wise","start":632.58,"end":633.56,"sentiment":"neutral","sentiment_score":-0.028099684044718742}],"sentiment":"neutral","sentiment_score":-0.028099684044718742,"channel":1,"num_words":3,"start":632.58,"end":633.56},{"sentences":[{"text":"No.","start":634.165,"end":634.485,"sentiment":"neutral","sentiment_score":-0.15889444947242737}],"sentiment":"neutral","sentiment_score":-0.15889444947242737,"channel":0,"num_words":1,"start":634.165,"end":634.485},{"sentences":[{"text":"and in","start":634.18005,"end":634.66003,"sentiment":"neutral","sentiment_score":-0.1291719153523445}],"sentiment":"neutral","sentiment_score":-0.1291719153523445,"channel":1,"num_words":2,"start":634.18005,"end":634.66003},{"sentences":[{"text":"I can","start":634.485,"end":634.805,"sentiment":"neutral","sentiment_score":-0.17205513268709183}],"sentiment":"neutral","sentiment_score":-0.17205513268709183,"channel":0,"num_words":2,"start":634.485,"end":634.805},{"sentences":[{"text":"my","start":634.66003,"end":634.9,"sentiment":"neutral","sentiment_score":-0.1805642247200012}],"sentiment":"neutral","sentiment_score":-0.1805642247200012,"channel":1,"num_words":1,"start":634.66003,"end":634.9},{"sentences":[{"text":"imagine.","start":634.805,"end":635.305,"sentiment":"neutral","sentiment_score":-0.13595707714557648}],"sentiment":"neutral","sentiment_score":-0.13595707714557648,"channel":0,"num_words":1,"start":634.805,"end":635.305},{"sentences":[{"text":"personal one as well.","start":634.9,"end":636.18005,"sentiment":"neutral","sentiment_score":-0.1166895404458046}],"sentiment":"neutral","sentiment_score":-0.1166895404458046,"channel":1,"num_words":4,"start":634.9,"end":636.18005},{"sentences":[{"text":"Yeah.","start":636.08496,"end":636.58496,"sentiment":"neutral","sentiment_score":-0.17678919434547424}],"sentiment":"neutral","sentiment_score":-0.17678919434547424,"channel":0,"num_words":1,"start":636.08496,"end":636.58496},{"sentences":[{"text":"Like, I'm so far behind in my unread emails from work.","start":636.18005,"end":639.62006,"sentiment":"negative","sentiment_score":-0.42873367125337775},{"text":"So, yeah, there's quite a few.","start":639.62006,"end":643.56,"sentiment":"neutral","sentiment_score":-0.23793350656827292}],"sentiment":"negative","sentiment_score":-0.36139243665863485,"channel":1,"num_words":17,"start":636.18005,"end":643.56},{"sentences":[{"text":"Yeah.","start":646.42,"end":646.74,"sentiment":"neutral","sentiment_score":-0.007562831044197083},{"text":"That's okay.","start":646.74,"end":647.38,"sentiment":"neutral","sentiment_score":0.07370266318321228},{"text":"So to sort of let you know what happened there in the background is when the markets were kind of dropping around February, March with the Iran war kicking off, we noticed one of the investment options was kind of dropping faster than the wider market was, and it wasn't rebounding in the way that we would expect it to.","start":647.38,"end":667.43,"sentiment":"neutral","sentiment_score":-0.24178561295072237},{"text":"So rather than just waiting for an annual review, doing an updated strategy document, we met with the investment committee and made a decision across the whole client base to divest everyone from that option to sort of stop that from continuing.","start":667.65,"end":683.725,"sentiment":"neutral","sentiment_score":-0.06772036389226005},{"text":"So we actually sold you out of that one, moved some of the funds into to, like, a lower fee Australian share option, and kept a little bit of cash off to the side until we could kind of speak to you and talk about a bit of an updated plan and strategy, if that makes sense.","start":684.345,"end":700.73004,"sentiment":"neutral","sentiment_score":0.2239303554882083}],"sentiment":"neutral","sentiment_score":-0.02745382285412447,"channel":0,"num_words":162,"start":646.42,"end":700.73004},{"sentences":[{"text":"That makes sense.","start":701.22003,"end":702.2,"sentiment":"neutral","sentiment_score":0.25674521923065186}],"sentiment":"neutral","sentiment_score":0.25674521923065186,"channel":1,"num_words":3,"start":701.22003,"end":702.2},{"sentences":[{"text":"So 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them.","start":763.91,"end":769.47504,"sentiment":"neutral","sentiment_score":0.2505727056413889},{"text":"If you'd be okay for me to research that for you.","start":769.53503,"end":772.35504,"sentiment":"neutral","sentiment_score":0.12861330807209015}],"sentiment":"neutral","sentiment_score":0.2825244733265468,"channel":0,"num_words":105,"start":741.09503,"end":772.35504},{"sentences":[{"text":"Yeah.","start":773.025,"end":773.265,"sentiment":"neutral","sentiment_score":0.17884790897369385},{"text":"I'd be okay with that.","start":773.265,"end":774.30505,"sentiment":"neutral","sentiment_score":0.2062489479780197},{"text":"Yep.","start":774.30505,"end":774.625,"sentiment":"neutral","sentiment_score":0.30324867367744446},{"text":"That sounds 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price this year?","start":904.86005,"end":908.375,"sentiment":"neutral","sentiment_score":0.019860092042521996}],"sentiment":"neutral","sentiment_score":0.0960336248516231,"channel":0,"num_words":37,"start":896.7,"end":908.375},{"sentences":[{"text":"No.","start":909.705,"end":909.945,"sentiment":"neutral","sentiment_score":-0.14814721047878265},{"text":"Not this year.","start":909.945,"end":910.745,"sentiment":"neutral","sentiment_score":-0.13666736334562302},{"text":"No.","start":910.745,"end":911.225,"sentiment":"neutral","sentiment_score":-0.15648576617240906},{"text":"So just yeah.","start":911.225,"end":912.185,"sentiment":"neutral","sentiment_score":-0.07823970417181651},{"text":"Supplier contributions at this 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you've got any questions, just let us know.","start":1031.93,"end":1033.6901,"sentiment":"neutral","sentiment_score":0.15871160394615597},{"text":"We can have a chat again for that statement of advice as well.","start":1033.6901,"end":1036.5701,"sentiment":"neutral","sentiment_score":0.18193072309860817},{"text":"But if you're okay with that idea, I can kind of just add it to the annual review pack for you to look","start":1036.5701,"end":1041.765,"sentiment":"neutral","sentiment_score":0.24495696632758432}],"sentiment":"neutral","sentiment_score":0.20280749616878374,"channel":0,"num_words":56,"start":1028.89,"end":1041.765},{"sentences":[{"text":"Yes.","start":1043.57,"end":1043.8899,"sentiment":"neutral","sentiment_score":0.2021067440509796},{"text":"Add it add it to the 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worries.","start":1227.761,"end":1228.4009,"sentiment":"positive","sentiment_score":0.46492405235767365},{"text":"Thank 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Oakview Financial, the representative discusses various financial and estate planning updates with him, including his personal information, clients and beneficiaries, marital status, dependents, assets, and estate planning. They also provide information on his retirement plans and strategy documents, including his investments and retirement plans. The speaker suggests a side step of the investment plan to reduce risk and gradually as the customer ages, and mentions the possibility of a discounted fee structure. They also discuss the retirement period and the retirement plan's performance, including the possibility of contributions and the speaker's intention to send a consent form."},"intents":{"segments":[{"text":"Mate, I had a bit of a free slot today, so I was just reaching out to see if you have some time to go through an annual review or if I could get you booked in with me.","start_word":33,"end_word":71,"intents":[{"intent":"Review and book appointment","confidence_score":0.004282231}]},{"text":"Thank you so much for taking the time. I'll just pass you through a quick security check, and then I'll just send you through an email as well.","start_word":137,"end_word":164,"intents":[{"intent":"Pass security check","confidence_score":0.20365372}]},{"text":"Could I please just confirm your date of birth address?","start_word":273,"end_word":282,"intents":[{"intent":"Confirm personal information","confidence_score":0.088388324}]},{"text":"And just residential address as well, please. It is 1 Slash 27 Gwenda Avenue in Moorabbin, Victoria. Postcode's 3189. Perfect.","start_word":303,"end_word":322,"intents":[{"intent":"Provide address","confidence_score":0.24290185}]},{"text":"Thank you so much for that, Scott. And just to let you know, the calls are recorded for training and quality purposes. No problem.","start_word":323,"end_word":346,"intents":[{"intent":"Report calls recorded","confidence_score":0.0006826282}]},{"text":"So what I was wanting to kind of go through with you today was a bit of a detailed update just to see how things have been tracking with you for what we have on file, let you know kind of what's going on in the market and the superannuation space, and then just quickly touch base on the insurances and the estate planning side thing, if that's okay with you. That's okay.","start_word":349,"end_word":421,"intents":[{"intent":"Record financial update","confidence_score":0.00007979773}]},{"text":"I'm not too sure how the Yep. fund's going because we only just kinda started it up about a year or two ago. So I'll check how that one's performing.","start_word":1085,"end_word":1114,"intents":[{"intent":"Check fund performance","confidence_score":0.6321787}]},{"text":"Should I leave Yeah. that as is for now? Leave that as is for the moment. Yeah.","start_word":1131,"end_word":1147,"intents":[{"intent":"Leave position","confidence_score":0.03820971}]},{"text":"Are you looking for any investment advice this year, or should we just focus on the superannuation at this point?","start_word":1154,"end_word":1173,"intents":[{"intent":"Discuss investment advice","confidence_score":0.77744424}]},{"text":"So I'd like to just briefly discuss what I'm thinking with you. I'll put together an updated plan for you. And then once we go through that, we can always touch base on the personal investment if if you'd prefer that way.","start_word":1212,"end_word":1253,"intents":[{"intent":"Discuss personal investment","confidence_score":0.24170178},{"intent":"Discuss personal investment","confidence_score":0.3021433}]},{"text":"While I dive into the super here, so I'm just having a quick look at the data we pulled from from rest. We've got a little bit of insurances attached. They're sitting at 120,000 of life insurance, 30 of total disability, 2,000 a month worth of income protection, and I believe that was kept in place due to, like, previous heart attack and things like that. So I just wanted to double check.","start_word":1257,"end_word":1329,"intents":[{"intent":"Check insurance data","confidence_score":0.013222443}]},{"text":"don't have heart disease, but because that's happened, I can't, like, move in I had to keep money in there.","start_word":1406,"end_word":1425,"intents":[{"intent":"Keep money","confidence_score":0.101724066}]},{"text":"I usually do about two years worth of premiums and a 20% buffer for the market movements just to make sure if premiums go up and the stock market goes down, there's no risk of it kind of closing or lapsing due to market movements. So I'm thinking probably about 10,000 to keep in there would be a safe amount for this year. Okay.","start_word":1525,"end_word":1588,"intents":[{"intent":"Determine maximum amount of premiums and buffer for market movements","confidence_score":9.147889e-8}]},{"text":"So to sort of let you know what happened there in the background is when the markets were kind of dropping around February, March with the Iran war kicking off, we noticed one of the investment options was kind of dropping faster than the wider market was, and it wasn't rebounding in the way that we would expect it to.","start_word":1701,"end_word":1760,"intents":[{"intent":"Monitor market decline","confidence_score":0.000025129464}]},{"text":"So rather than just waiting for an annual review, doing an updated strategy document, we met with the investment committee and made a decision across the whole client base to divest everyone from that option to sort of stop that from continuing.","start_word":1761,"end_word":1802,"intents":[{"intent":"Update investment options and make a decision on portfolio divestment","confidence_score":0.000019094678}]},{"text":"So we actually sold you out of that one, moved some of the funds into to, like, a lower fee Australian share option, and kept a little bit of cash off to the side until we could kind of speak to you and talk about a bit of an updated plan and strategy, if that makes sense. That makes sense.","start_word":1804,"end_word":1863,"intents":[{"intent":"Discuss plan changes","confidence_score":0.000028178572}]},{"text":"Is there any other kind of major cash flow priority to you besides the investment that you're you're managing that I I can note down as a goal for you?","start_word":2452,"end_word":2481,"intents":[{"intent":"Manage investments","confidence_score":0.03141072}]},{"text":"So as soon as we go through the updated super plan, I will just kind of extend that meeting out just a little bit to talk about the personal investment side of things. Or if you don't have time for that at the time, I'll just book in again before Christmas time to go through that with you.","start_word":2545,"end_word":2602,"intents":[{"intent":"Schedule meeting","confidence_score":0.003819806}]},{"text":"Alright. $3.20 in the Netwealth one, the one that the contribution's going to. Okay.","start_word":3014,"end_word":3027,"intents":[{"intent":"Confirm plan details","confidence_score":0.012700321}]}]},"sentiments":{"segments":[{"text":"Hello? Scott Spinchy. Hi, Scott. It's Tommy here from Oakview Financial, one of the senior advisers, mate. How are you doing? I'm alright. How are you?","start_word":0,"end_word":25,"sentiment":"neutral","sentiment_score":0.15778647363185885},{"text":"I'm doing fantastic. Thank you for asking.","start_word":26,"end_word":32,"sentiment":"positive","sentiment_score":0.7943192720413208},{"text":"Mate, I had a bit of a free slot today, so I was just reaching out to see if you have some time to go through an annual review or if I could get you booked in with me. I did have it locked in my diary for today. So so today is okay. Just be aware I'm still working, but I'm working from home. So I should be able to Yep. chat. But if I get a call from my boss, I might have to quickly just apologize and leave. But, yeah, I think I should be okay.","start_word":33,"end_word":131,"sentiment":"neutral","sentiment_score":0.1045760214328766},{"text":"That's no worries at all. Thank you so much for taking the time. I'll just pass you through a quick security check, and then I'll just send you through an email as well.","start_word":132,"end_word":164,"sentiment":"positive","sentiment_score":0.4304782748222351},{"text":"Will you be able to look onto the email pack with me today, or should I just give you a bit of a brief walk through? Just give me a brief talk through. Yeah. Because I'll kinda still have to work in the background because I've got something I gotta get done by five, so I'm on a bit of a deadline. So Oh, if fair you give enough. me a bit of a brief overview and stuff like that, and I can read the pack on the email at a later stage.","start_word":165,"end_word":257,"sentiment":"neutral","sentiment_score":0.06300204247236252},{"text":"That's perfect.","start_word":258,"end_word":259,"sentiment":"positive","sentiment_score":0.6047912836074829},{"text":"Now just for the security of your information, I'm registered with AptiveAdviser 1273105. Could I please just confirm your date of birth address? Date of birth is July first nineteen seventy or zero one zero seven one nine seven zero. Mhmm. Thank you. And just residential address as well, please. It is 1 Slash 27 Gwenda Avenue in Moorabbin, Victoria. Postcode's 3189.","start_word":260,"end_word":321,"sentiment":"neutral","sentiment_score":0.05185040086507797},{"text":"Perfect. Thank you so much for that, Scott.","start_word":322,"end_word":329,"sentiment":"positive","sentiment_score":0.6582360863685608},{"text":"And just to let you know, the calls are recorded for training and quality purposes. No problem.","start_word":330,"end_word":346,"sentiment":"neutral","sentiment_score":0.25860723853111267},{"text":"Perfect.","start_word":347,"end_word":347,"sentiment":"positive","sentiment_score":0.4503120183944702},{"text":"So what I was wanting to kind of go through with you today was a bit of a detailed update just to see how things have been tracking with you for what we have on file, let you know kind of what's going on in the market and the superannuation space, and then just quickly touch base on the insurances and the estate planning side thing, if that's okay with you. That's okay.","start_word":348,"end_word":420,"sentiment":"neutral","sentiment_score":0.11613762378692628},{"text":"Perfect.","start_word":421,"end_word":421,"sentiment":"positive","sentiment_score":0.5642416477203369},{"text":"Now we do have you listed down as an analyst and planning manager. Would that still be your your occupation time? I am still planner at the moment. Yes. Yep. And we had your income at about 60,000, but I know we've just gone past end of financial year. Do you know if that's changed? It's about like, Friday's super intact. It's about '92. Yep. K. 92 gross.","start_word":422,"end_word":489,"sentiment":"neutral","sentiment_score":0.04170667380094528},{"text":"Thank you for that.","start_word":490,"end_word":493,"sentiment":"positive","sentiment_score":0.5977460741996765},{"text":"And I didn't have the employer name listed. Just wondering if I could grab that from you as well. I've worked for the department store Myer, which Oh, is cool. Myer is it Myer Group Limited? I can't remember what the actual business title is, but it's Myer, Yeah. the department Yep. store. Yeah. My wife works for Shoes and Soft, one of the consignment stores inside the Myer Tennis for kids shoes. Oh, So yeah. I think Yep. it is My Group Limited. I think it is Myer Group Limited off the top of my head. Yes.","start_word":494,"end_word":591,"sentiment":"neutral","sentiment_score":0.03469949588179588},{"text":"Perfect.","start_word":592,"end_word":592,"sentiment":"positive","sentiment_score":0.42239469289779663},{"text":"I'll put that in for the time being, and I'll double check that.","start_word":593,"end_word":605,"sentiment":"neutral","sentiment_score":0.2556798756122589},{"text":"We're still just waiting for the rest super to send a full rundown through, but they were able to give us a lot of the information that we needed.","start_word":606,"end_word":634,"sentiment":"positive","sentiment_score":0.33499395847320557},{"text":"Cool. Last couple of things I'll just check with you, and I'll swing over into the super there is just in terms of marital status, dependents. We had you single there with no dependents, and Lisa, your sister, listed as your next of kin. Does that sound correct? That sounds correct. I have two systems, but did I list one specifically, did I, or did I list two? We you had both listed, I believe, as beneficiary for the Oh, super, cool. Yeah. Lisa and Carrie. Yep.","start_word":635,"end_word":721,"sentiment":"neutral","sentiment_score":0.07816269086010155},{"text":"Perfect.","start_word":722,"end_word":722,"sentiment":"positive","sentiment_score":0.5272988677024841},{"text":"Yep. So they're listed as beneficiaries. We just had Lisa listed as, like, an emergency contact Okay. in case anything Yes. happens.","start_word":723,"end_word":744,"sentiment":"neutral","sentiment_score":0.09620055556297302},{"text":"She's the best.","start_word":745,"end_word":747,"sentiment":"positive","sentiment_score":0.44626617431640625},{"text":"Yes. Yes. I'm and I'm her emergency contact. So, yes, like a reverse. Yep.","start_word":748,"end_word":761,"sentiment":"neutral","sentiment_score":0.10108906030654909},{"text":"Perfect.","start_word":762,"end_word":762,"sentiment":"positive","sentiment_score":0.39144831895828247},{"text":"And I was just quickly wondering, do you, by chance, have her phone number handy that I can add on to your file? Yeah. It'll be in my phone. Just let me grab it. Bear with me one moment. Thank you, Scott. Okay. Her mobile number, Yes, Carrefour. It. 0417119672. Zero four one seven one one nine six 72.","start_word":763,"end_word":821,"sentiment":"neutral","sentiment_score":0.07776537537574768},{"text":"Beautiful. Got that added. Thank you so much for that.","start_word":822,"end_word":831,"sentiment":"positive","sentiment_score":0.499141126871109},{"text":"And the last couple of things I was gonna check is just in terms of assets and estate planning. So we've got the beneficiaries in place, but I don't believe you put in place, like, a will or a power of attorney or anything like that. No. I don't have that. No. Yeah. That I don't actually have. K. No I should worries. probably set something like that up. Yeah. If it is helpful, you can get, like like, government approved will kits and power of attorney kits from Australia Post for about $25 a pop. And we do have some lawyers that give kind of discounted packages to do them online if you would find that helpful. I can send a bit of a brochure through Yeah. Do that.","start_word":832,"end_word":961,"sentiment":"neutral","sentiment_score":0.006997278425842524},{"text":"That'd be lovely.","start_word":962,"end_word":964,"sentiment":"positive","sentiment_score":0.3608191907405853},{"text":"to Thank you. you. No worries. And lastly, in terms of assets, so I'm kind of doing a bit of, like, rent vesting a little bit where you were renting, had a couple of cars, and had some colonial first day investments that you were growing. Is that correct? I have one car. I have an investment in Colonial First State. I also am a I have a strategic was it strategic financials objective fund or whatever? I have money invested in that. They're the primary investment things. I've got basic Telstra shares and very basic Myer shares.","start_word":965,"end_word":1062,"sentiment":"neutral","sentiment_score":0.03531184792518616},{"text":"Not a lot. The the shares wouldn't be worth much.","start_word":1063,"end_word":1072,"sentiment":"negative","sentiment_score":-0.4488717019557953},{"text":"The Colonial First Aid was about 30 odd thousand plus in there. I'm not too sure how the Yep. fund's going because we only just kinda started it up about a year or two ago. So I'll check how that one's performing.","start_word":1073,"end_word":1114,"sentiment":"neutral","sentiment_score":-0.06765652447938919},{"text":"Cool.","start_word":1115,"end_word":1115,"sentiment":"positive","sentiment_score":0.34116852283477783},{"text":"So I think I had the strategic at about 20 previously and 30 in colonial. Should I leave Yeah. that as is for now? Leave that as is for the moment. Yeah.","start_word":1116,"end_word":1147,"sentiment":"neutral","sentiment_score":0.04383859038352966},{"text":"That sounds pretty accurate.","start_word":1148,"end_word":1151,"sentiment":"positive","sentiment_score":0.36784306168556213},{"text":"Yep.","start_word":1152,"end_word":1152,"sentiment":"neutral","sentiment_score":0.3133361339569092},{"text":"Perfect.","start_word":1153,"end_word":1153,"sentiment":"positive","sentiment_score":0.4988533556461334},{"text":"Are you looking for any investment advice this year, or should we just focus on the superannuation at this point? Invest investment advice is good, but maybe for today's call, just focus on superannuation. But financial advice is always very Perfect. So what I'll do is I'm already good. looking at making a few updates to the super. So I'd like to just briefly discuss what I'm thinking with you. I'll put together an updated plan for you. And then once we go through that, we can always touch base on the personal investment if if you'd prefer that way.","start_word":1154,"end_word":1253,"sentiment":"neutral","sentiment_score":0.192668616771698},{"text":"I'm good. Perfect.","start_word":1254,"end_word":1256,"sentiment":"positive","sentiment_score":0.4467999041080475},{"text":"While I dive into the super here, so I'm just having a quick look at the data we pulled from from rest. We've got a little bit of insurances attached. They're sitting at 120,000 of life insurance, 30 of total disability, 2,000 a month worth of income protection, and I believe that was kept in place due to, like, previous heart attack and things like that. So I just wanted to double check. Are we still just keeping that in force? Are you looking for any quotes or changes there? So the circumstances there were yeah. So look, I I had money with rest. No. I had a heart attack in I mean, with the 2018, but it was like I just had blockage in one in one one artery. Everything else is clear of heart disease. So, basically, it was like a freak thing. So I theoretically Mhmm. don't have heart disease, but because that's happened, I can't, like, move in I had to keep money in there.","start_word":1257,"end_word":1425,"sentiment":"neutral","sentiment_score":-0.10610001534223557},{"text":"Otherwise, there was gonna be some kind of charge or whatever if I tried to get or I couldn't get insurance or whatever through you guys.","start_word":1426,"end_word":1451,"sentiment":"negative","sentiment_score":-0.4834994375705719},{"text":"So there is just the risk Yes. risk account is just kept up in purely for the insurance kind of thing. There's no there's no no supplier contribution supplier. Sorry. No. None of my employer contributions going to rest. It all goes into your one. Yeah. So what we can do there, I usually do a bit of a buffer where you have to keep a 6,000 minimum to keep the account open. I usually do about two years worth of premiums and a 20% buffer for the market movements just to make sure if premiums go up and the stock market goes down, there's no risk of it kind of closing or lapsing due to market movements. So I'm thinking probably about 10,000 to keep in there would be a safe amount for this year. Okay. What's currently in there? It's sitting at about $27.28 depending on the fluctuation of the unit prices. Okay. In addition to that too, so with your Netwealth super, you would have received an email earlier in the year, a record of advice that we sent through to all clients who were invested in a Benelon investment option. Do you recall seeing that email Not off at the top of my head. Get a lot of emails, all? both work wise No. and in I can my imagine. personal one as well. Yeah.","start_word":1452,"end_word":1680,"sentiment":"neutral","sentiment_score":0.09619153290987016},{"text":"Like, I'm so far behind in my unread emails from work.","start_word":1681,"end_word":1691,"sentiment":"negative","sentiment_score":-0.4122530519962311},{"text":"So, yeah, there's quite a few. Yeah. That's okay. So to sort of let you know what happened there in the background is when the markets were kind of dropping around February, March with the Iran war kicking off, we noticed one of the investment options was kind of dropping faster than the wider market was, and it wasn't rebounding in the way that we would expect it to. So rather than just waiting for an annual review, doing an updated strategy document, we met with the investment committee and made a decision across the whole client base to divest everyone from that option to sort of stop that from continuing. So we actually sold you out of that one, moved some of the funds into to, like, a lower fee Australian share option, and kept a little bit of cash off to the side until we could kind of speak to you and talk about a bit of an updated plan and strategy, if that makes sense. That makes sense. So what I'm thinking at the moment is everything in your Netwealth Super is pretty much a passive low fee ETFs at the moment, especially since we divested out of Benelux. So if you're comfortable with that style of getting that kind of, you know, primarily capital growth, but with low investment fees, I can keep that style there, but just kind of rebalance the investments a little bit, deploy some of that cash that's been sitting off to the side if you're comfortable with that too.","start_word":1692,"end_word":1949,"sentiment":"neutral","sentiment_score":0.04742682881133501},{"text":"That sounds yep. That sounds quite printable. The last two things I wanna do as well is in the rest investment, they do have a pretty decent growth index fund now that has finally built a bit of a track record.","start_word":1950,"end_word":1990,"sentiment":"positive","sentiment_score":0.3915939927101135},{"text":"So I'm thinking of just doing a bit of a side step of the investments from the current growth investment it's in into a bit of a lower fee index fund with a bit better performance. So whatever funds are still sitting there, they're just growing a little bit better with a little bit less fees coming out of them. If you'd be okay for me to research that for you. Yeah. I'd be okay with that. Yep.","start_word":1991,"end_word":2068,"sentiment":"neutral","sentiment_score":0.22852249443531036},{"text":"That sounds good. Cool.","start_word":2069,"end_word":2072,"sentiment":"positive","sentiment_score":0.5944039225578308},{"text":"So I'll put that together in an updated plan just comparing the rebalance of net wealth, the investments which would rest, and a bit of a movement of funds between the two accounts. And then in a few weeks' time, we'll get you booked in and just run through that plan together, make sure you're comfortable before we touch touch anything.","start_word":2073,"end_word":2133,"sentiment":"neutral","sentiment_score":0.2666333019733429},{"text":"Cool. Sounds good.","start_word":2134,"end_word":2136,"sentiment":"positive","sentiment_score":0.4624948501586914},{"text":"Any issues on your end in terms of that growth risk profile? So you're still at that kind of four out of five level. You're not high risk, but you're not in the middle. You're still focusing mostly on trying to get that last bit of, you know, high capital growth. I do note that we've got about eleven to fourteen years until retirement. So I'm just trying to gauge, are you okay to kind of spend the next few years still focusing mostly on growth with an aim to kind of reduce risk gradually as you get closer to retirement? Yeah. Yeah. Yeah. Still need to capitalize now on growth. And then if I need to, we can reduce as I get closer to I don't plan to retire. But, you know, what would effectively be a retirement day? Yes. Yeah.","start_word":2137,"end_word":2278,"sentiment":"neutral","sentiment_score":0.0641510545367926},{"text":"And one of the interesting things about this period of life is that because now you've built up that kind of 350,000 in super. You've got such a big base. If you get a good return for a few years of that 10 to 15%, you're gonna start to see it grow up to four, five, six, seven, eight hundred thousand dollars very quickly.","start_word":2279,"end_word":2342,"sentiment":"positive","sentiment_score":0.4778376817703247},{"text":"But at the same time, you don't have that decade to kind of protect it if the market crashes a few years before retirement. So we're kind of at that last period of growth and then trying to time protecting it before anything too serious happens in the last five to seven years. Yep.","start_word":2343,"end_word":2396,"sentiment":"neutral","sentiment_score":-0.041092731058597565},{"text":"That will change reasonable. Perfect.","start_word":2397,"end_word":2401,"sentiment":"positive","sentiment_score":0.38869568705558777},{"text":"Last question is just in terms of contributions there, do you want me to model it based on just what your employer is putting in? Are you intending to do any salary for price this year? No. Not this year. No. So just yeah. Supplier contributions at this stage.","start_word":2402,"end_word":2450,"sentiment":"neutral","sentiment_score":0.03023587167263031},{"text":"Perfect.","start_word":2451,"end_word":2451,"sentiment":"positive","sentiment_score":0.3999469876289368},{"text":"Is there any other kind of major cash flow priority to you besides the investment that you're you're managing that I I can note down as a goal for you? How do I make more money would be the general would be the general one. And and more and more so like Cool. a passive So we'll income. clean How up do the I super how do I make then. more like how how do I make more passive income? Yeah. Yep. I'm with you. What I'll do is I'll pencil in. So as soon as we go through the updated super plan, I will just kind of extend that meeting out just a little bit to talk about the personal investment side of things. Or if you don't have time for that at the time, I'll just book in again before Christmas time to go through that with you. Might have a few ideas that I can send you away.","start_word":2452,"end_word":2612,"sentiment":"neutral","sentiment_score":0.124813546027456},{"text":"Oh, cool. That's good. Awesome.","start_word":2613,"end_word":2617,"sentiment":"positive","sentiment_score":0.6396820545196533},{"text":"And one last little lovely present from Oakview is Michelle had sent you through a consent form with Netwealth to remain advisers with the kind of standard fee structure for Oakview, the 1.65%. We have released PFE discounts. All clients who are above 200,000, they start to get a discount between 2 and 500. And for 500,000 above, there's a further discount. So I just wanted to kind of let you know that my intention is to send you through one of the discounted fee structures, but I did need to just briefly explain to you that it is a flat structure. So rather than fluctuating with your balance, it is a lower percentage, but locked in for twelve months at a time. Okay. I think that kinda that makes sense. Yep. Yep. That seems Again, to make sense. Yeah. I'll send that through to kind of have a look at. If you've got any questions, just let us know. We can have a chat again for that statement of advice as well. But if you're okay with that idea, I can kind of just add it to the annual review pack for you to look Yes. Add it add it to the pack. Yep.","start_word":2618,"end_word":2822,"sentiment":"neutral","sentiment_score":0.19262753427028656},{"text":"Awesome.","start_word":2823,"end_word":2823,"sentiment":"positive","sentiment_score":0.40842124819755554},{"text":"Any questions for me so far, sir? Cool. No. No. Not not at this stage. The last thing I'll let you know is inside the pack itself, it's got, like, the performance figures, the summary of all your products. We have included a tax file number opt in form just to make sure you're still comfortable for us to hold that number because it is quite important. And alongside that updated consent form, there is also an updated service side, which towards the second half of the document, it fully breaks down the new tier fee structure. Structure. So if you wanna kind of see what that looks like, you just go into the financial services guy. Got it.","start_word":2824,"end_word":2942,"sentiment":"neutral","sentiment_score":0.0990528034813264},{"text":"Awesome. But that's pretty much everything I had for today.","start_word":2943,"end_word":2952,"sentiment":"positive","sentiment_score":0.4493803083896637},{"text":"Is there anything else I can do before I let you go? What's the current balance with the fund at the moment? You said about $2.50? No. So I'll grab it back up there with you for one moment. So you've got $3.20 in net wealth and about 20 Three twenty? 8 in rep, so just Okay. shy of $3.50. $3.50. Alright. $3.20 in the Netwealth one, the one that the contribution's going to. Okay. Cool. Yep.","start_word":2953,"end_word":3029,"sentiment":"neutral","sentiment_score":0.03370733559131622},{"text":"Happy with I'll do that.","start_word":3030,"end_word":3034,"sentiment":"positive","sentiment_score":0.5091469287872314},{"text":"that?","start_word":3035,"end_word":3035,"sentiment":"neutral","sentiment_score":0.30097490549087524},{"text":"Awesome. Alright, mate. I do really appreciate you taking the time to talk to me while you're at work.","start_word":3036,"end_word":3054,"sentiment":"positive","sentiment_score":0.5248123407363892},{"text":"I try to keep it as brief as possible, but I will update that review pack through to your it's your Gmail account. Is that Yes, okay please. to use as your primary email still? Yep. That's the primary yep. Send it to that one, please.","start_word":3055,"end_word":3100,"sentiment":"neutral","sentiment_score":0.14790843427181244},{"text":"Awesome. Mate, thank you so much for your time. Have a fantastic day, and we'll reach out in the next fortnight to book you in for the updated plan.","start_word":3101,"end_word":3129,"sentiment":"positive","sentiment_score":0.6886413097381592},{"text":"Alright. Cool. Next fortnight. Just be aware anytime after October, we'll go into daylight saving down here Yep. in Victoria. So if if I say, oh, yes. I'm three at four. It would be whatever time it is up there. 03:00, I would imagine. So Yep. yeah. Yeah. No. That's We no will worries just at yeah. all. I've been staring Yeah. Cool. at the daylight savings cost daily even though I'm not not for a few weeks, and I keep thinking, oh, is it today? Is it today? No. The first Sunday I've got, I think. Yeah. Yeah. I'll Because keep that in yeah. mind. Yeah. Yeah. Just yeah. Because, like, like, I'm assuming, like, if I said 04:00, it's I'm I'm not thinking of it in my time. So yeah. Yeah.","start_word":3130,"end_word":3262,"sentiment":"neutral","sentiment_score":-0.007236464999448088},{"text":"Cool.","start_word":3263,"end_word":3263,"sentiment":"positive","sentiment_score":0.4135133922100067},{"text":"Yeah.","start_word":3264,"end_word":3264,"sentiment":"neutral","sentiment_score":0.31273549795150757},{"text":"We're pretty good with converting Perfect. it.","start_word":3265,"end_word":3271,"sentiment":"positive","sentiment_score":0.5034739971160889},{"text":"Not a 100 Yep.","start_word":3272,"end_word":3275,"sentiment":"neutral","sentiment_score":0.14467677474021912},{"text":"percent accuracy, but about 98%, we're pretty good with it. But we'll send you, when we do book it in, like a a text message reminder as well with both times.","start_word":3276,"end_word":3306,"sentiment":"positive","sentiment_score":0.4185693264007568},{"text":"And if anything is a missed day, just reply back.","start_word":3307,"end_word":3316,"sentiment":"neutral","sentiment_score":0.2023277133703232},{"text":"Oh, cool. Awesome, mate. Thank you so much for your time, and I'll see you later. No worries. Thank you. Yes. Bye.","start_word":3317,"end_word":3338,"sentiment":"positive","sentiment_score":0.7259443402290344},{"text":"Yeah. Bye.","start_word":3339,"end_word":3340,"sentiment":"neutral","sentiment_score":0.22700753808021543}],"average":{"sentiment":"neutral","sentiment_score":0.11718950070944076}}}}