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I had a message here from Michelle about some withdrawals from Super and just finishing off an annual review. Do you still have a bit of time? Perfect. So I've got all your information open. I'll just do a quick security check with you, and then I'll dive into it with you. Is that alright? Amazing. So I just need your date of birth and address for security. Mhmm. Sensational. And I registered with Aspica's adviser 1273105. Are you okay for the call to be recorded? Perfect. So, Jenny, what I wanna do is just a quick recap on the plan, sort of short, medium, long term. I did have a message here that you're looking to withdraw around about 10,000 from super for a camper van. Perfect. Perfect. Perfect. So let me know if all of this sounds correct. You guys are essentially staying in your current residence until you hit age 67, and then you guys are gonna move back into the family home in Tamworth. Is that the plan? Perfect. So retire at 67 still? Amazing. Fair enough. Fair enough. So outside of that, we are just trying to sort of finish off those last couple of years of growth out of the super. Campervan will obviously help with the retirement side of things, and you've already finished renovations and things like that. Perfect. When it comes to the withdrawal, you're 65 in November. Still working at the moment? Yep. And are you already aware of how a transition to retirement pension works to access super? So while you're still working, you can have access to up to 10% per year of the super balance, which is more than enough for this withdrawal. And what we basically need to do is we need to get your super account or the majority of it converted over into a transition pension. It's just an account type that allows you to make withdrawals, and your existing super account can still receive the contributions. So what I'm basically going to do is just in preparation for any other strategies we do the next few years is I'm gonna move I'll put together a document for you with this strategy so you know what we're doing. But I basically need to move about 200,000 across into a transition pension account, link it up with your super so it's all with the one provider, and then I can set a five percent one off withdrawal, which will be the 10,000. And then today, you'll still have access to another 5% if you need to, but that'll be for that purpose. At the same time, there was a couple of things that we were looking to do with some of your investments. They're all been doing quite well, but there's just one there that's a bit underperforming. So at the same time, I thought I might just freshen up your portfolio at the same time. Sound alright? I do need to quickly ask you just around risk levels because you're currently in a balanced risk profile, which is like a medium, like a three out of five. Normally, it's a it's a fifty fifty combination of growth and security because you've got about 70% of your money between sixty and seventy in shares, property, gold, all those kind of growth assets. Normally, I would recommend that for about if you have a investment time frame of about five years or above just because there is a little bit of volatility with that one. But the two options are basically, we can reduce the risk level down a little bit, but that'll get you a lower return, or we keep the balance risk profile going. And the worst case scenario is you might have to delay retirement by twelve months if the stock market explodes. Yep. No. That's fair. Fair enough. No. That's perfect. So when I take into account risk, I need to basically try and get you to a retirement goal with the least risk necessary. Now what that basically means is if you retire today, your super could produce about 270 to $500 a week worth of income after tax. Now in terms of an amount, generally speaking, the government recommends that you have at least maybe a thousand dollars a week total if you add in pensions and because age pension kicks in at 67, so that'll top you up another few 100 as well. So you're a little bit off of that retirement goal depending on your partner's situation. So if we're still in growth mode, I probably need to keep it in balance just for a little while longer just to get a little bit more growth out of it. K. Just bear in mind that the only thing that we have to worry about is if we have a, you know, global financial crisis or another COVID. That's the scenario that causes delays. Any other normal fluctuations, we can deal with over a few years pretty easily. Cool. Just a couple of things just to kind of cap off. So I've got the goals there. We've got the idea with the super. I need to put all of this into a statement of advice to you to get you into that new account, freshen up the investments, and get the withdrawals going. So it will take me a couple of weeks. I just wanted to ask you how urgent the purchase was. Mhmm. Fair. Yep. It's ready to go from the outset. Perfect. So the last couple of questions I've got then is just in terms of estate planning side of things. I have your partner listed as beneficiary for the super, and I'll need to carry that across to the pension account as well if you're still comfortable. It does say here that estate planning wise, you do have a will in place that you might need to update at some point. Fair. The question I had beside that one was, do you remember putting in place a power of attorney at all? Yep. Okay. So that would probably be in place. Beautiful. And you guys have never gone through a bankruptcy or a part nine debt agreement before? Perfect. As far as assets and liabilities go, we've got the the home that's currently rented out, the amount owing on that. I think Michelle updated all these details with you for the vehicles and the bank account and everything. Perfect. So no other loans or anything outside of just the mortgage to finish off? Awesome. And I'm assuming that's part of it too. Just finish that off the next couple of years. Awesome. So debt free with a camper van, bit of super, bit of age pension, and you're off to the races. Sounds good to me. Is there anything else I need to factor in here? Anything else you guys are working on? Perfect. So I'll get stuck into it. What I will do is just because of your annual review being due, I'm gonna send this pack out to you this morning, which will just have a summary of all the super and the insurance because we've got the life insurance on there still with Real, which I'm assuming you're just keeping that for as long as you can. Right. Yeah. Yeah. Yeah. That'll be the one. Yep. Yeah. No. I mean, it's I guess, it's a bit of an obvious one for you, isn't it? Because you've already considered what could happen in your life, and that's the one that presents the most dangers. So if you wanna protect for that, makes perfect sense to me. Absolutely. So 268,000 worth of cover, $379.05 per year worth of premiums, keeping that one in place at the moment. And the only other thing too is that we've updated our service guides and also our fee structure with Oakview. Now we've added discounts for clients above 200,000, which you are. So I would like to send you through the annual review pack with an updated service consent form just with the discounted fee structure as well. So it goes from 1.65% down to 1.37 above 200,000. And if we ever get you up above 500,000, there's a further reduction as well. I always remain hopeful, Janine, but we do our best. So I'll pop that through, and I've got your email address is mariej@pm. Is that the right one for you? P m dot me. That's the one. I will pop that through to you now. Have you ever used our new Odoo sign system? K. It's basically exactly the same as DocuSign. There's a an email that comes through with a purple sign here button. It'll open up all the documents to scroll through. Once you get to the bottom, it'll ask you to stamp on some signatures and also gives you a button to skip next documents for the ones that don't require a signature, like our service guide, some charts, and things like that. And then at the very end, it'll have a validate button. Easy done. And Easy done. Any questions for me? That's okay at all. I'll get stuck into it. And in a couple of weeks, I'll get Michelle to book you in. Make sure you can tick off and you're happy with the plan, and then we can go ahead and switch everything around. Amazing. Have a great week. Thank you. 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morning, Janine. It's Tommy here from Oakview Financial. How are you doing today? Sorry, Janine. How are you?\n\nI'm just giving you a call. I had a message here from Michelle about some withdrawals from Super and just finishing off an annual review. Do you still have a bit of time? Perfect. So I've got all your information open.\n\nI'll just do a quick security check with you, and then I'll dive into it with you. Is that alright? Amazing. So I just need your date of birth and address for security. Mhmm.\n\nSensational. And I registered with Aspica's adviser 1273105. Are you okay for the call to be recorded? Perfect. So, Jenny, what I wanna do is just a quick recap on the plan, sort of short, medium, long term.\n\nI did have a message here that you're looking to withdraw around about 10,000 from super for a camper van. Perfect. Perfect. Perfect. So let me know if all of this sounds correct.\n\nYou guys are essentially staying in your current residence until you hit age 67, and then you guys are gonna move back into the family home in Tamworth. Is that the plan? Perfect. So retire at 67 still? Amazing.\n\nFair enough. Fair enough. So outside of that, we are just trying to sort of finish off those last couple of years of growth out of the super. Campervan will obviously help with the retirement side of things, and you've already finished renovations and things like that. Perfect.\n\nWhen it comes to the withdrawal, you're 65 in November. Still working at the moment? Yep. And are you already aware of how a transition to retirement pension works to access super? So while you're still working, you can have access to up to 10% per year of the super balance, which is more than enough for this withdrawal.\n\nAnd what we basically need to do is we need to get your super account or the majority of it converted over into a transition pension. It's just an account type that allows you to make withdrawals, and your existing super account can still receive the contributions. So what I'm basically going to do is just in preparation for any other strategies we do the next few years is I'm gonna move I'll put together a document for you with this strategy so you know what we're doing. But I basically need to move about 200,000 across into a transition pension account, link it up with your super so it's all with the one provider, and then I can set a five percent one off withdrawal, which will be the 10,000. And then today, you'll still have access to another 5% if you need to, but that'll be for that purpose.\n\nAt the same time, there was a couple of things that we were looking to do with some of your investments. They're all been doing quite well, but there's just one there that's a bit underperforming. So at the same time, I thought I might just freshen up your portfolio at the same time. Sound alright? I do need to quickly ask you just around risk levels because you're currently in a balanced risk profile, which is like a medium, like a three out of five.\n\nNormally, it's a it's a fifty fifty combination of growth and security because you've got about 70% of your money between sixty and seventy in shares, property, gold, all those kind of growth assets. Normally, I would recommend that for about if you have a investment time frame of about five years or above just because there is a little bit of volatility with that one. But the two options are basically, we can reduce the risk level down a little bit, but that'll get you a lower return, or we keep the balance risk profile going. And the worst case scenario is you might have to delay retirement by twelve months if the stock market explodes. Yep.\n\nNo. That's fair. Fair enough. No. That's perfect.\n\nSo when I take into account risk, I need to basically try and get you to a retirement goal with the least risk necessary. Now what that basically means is if you retire today, your super could produce about 270 to $500 a week worth of income after tax. Now in terms of an amount, generally speaking, the government recommends that you have at least maybe a thousand dollars a week total if you add in pensions and because age pension kicks in at 67, so that'll top you up another few 100 as well. So you're a little bit off of that retirement goal depending on your partner's situation. So if we're still in growth mode, I probably need to keep it in balance just for a little while longer just to get a little bit more growth out of it.\n\nK. Just bear in mind that the only thing that we have to worry about is if we have a, you know, global financial crisis or another COVID. That's the scenario that causes delays. Any other normal fluctuations, we can deal with over a few years pretty easily. Cool.\n\nJust a couple of things just to kind of cap off. So I've got the goals there. We've got the idea with the super. I need to put all of this into a statement of advice to you to get you into that new account, freshen up the investments, and get the withdrawals going. So it will take me a couple of weeks.\n\nI just wanted to ask you how urgent the purchase was. Mhmm. Fair. Yep. It's ready to go from the outset.\n\nPerfect. So the last couple of questions I've got then is just in terms of estate planning side of things. I have your partner listed as beneficiary for the super, and I'll need to carry that across to the pension account as well if you're still comfortable. It does say here that estate planning wise, you do have a will in place that you might need to update at some point. Fair.\n\nThe question I had beside that one was, do you remember putting in place a power of attorney at all? Yep. Okay. So that would probably be in place. Beautiful.\n\nAnd you guys have never gone through a bankruptcy or a part nine debt agreement before? Perfect. As far as assets and liabilities go, we've got the the home that's currently rented out, the amount owing on that. I think Michelle updated all these details with you for the vehicles and the bank account and everything. Perfect.\n\nSo no other loans or anything outside of just the mortgage to finish off? Awesome. And I'm assuming that's part of it too. Just finish that off the next couple of years. Awesome.\n\nSo debt free with a camper van, bit of super, bit of age pension, and you're off to the races. Sounds good to me. Is there anything else I need to factor in here? Anything else you guys are working on? Perfect.\n\nSo I'll get stuck into it. What I will do is just because of your annual review being due, I'm gonna send this pack out to you this morning, which will just have a summary of all the super and the insurance because we've got the life insurance on there still with Real, which I'm assuming you're just keeping that for as long as you can. Right. Yeah. Yeah.\n\nYeah. That'll be the one. Yep. Yeah. No.\n\nI mean, it's I guess, it's a bit of an obvious one for you, isn't it? Because you've already considered what could happen in your life, and that's the one that presents the most dangers. So if you wanna protect for that, makes perfect sense to me. Absolutely. So 268,000 worth of cover, $379.05 per year worth of premiums, keeping that one in place at the moment.\n\nAnd the only other thing too is that we've updated our service guides and also our fee structure with Oakview. Now we've added discounts for clients above 200,000, which you are. So I would like to send you through the annual review pack with an updated service consent form just with the discounted fee structure as well. So it goes from 1.65% down to 1.37 above 200,000. And if we ever get you up above 500,000, there's a further reduction as well.\n\nI always remain hopeful, Janine, but we do our best. So I'll pop that through, and I've got your email address is mariej@pm. Is that the right one for you? P m dot me. That's the one.\n\nI will pop that through to you now. Have you ever used our new Odoo sign system? K. It's basically exactly the same as DocuSign. There's a an email that comes through with a purple sign here button.\n\nIt'll open up all the documents to scroll through. Once you get to the bottom, it'll ask you to stamp on some signatures and also gives you a button to skip next documents for the ones that don't require a signature, like our service guide, some charts, and things like that. And then at the very end, it'll have a validate button. Easy done. And Easy done.\n\nAny questions for me? That's okay at all. I'll get stuck into it. And in a couple of weeks, I'll get Michelle to book you in. Make sure you can tick off and you're happy with the plan, and then we can go ahead and switch everything around.\n\nAmazing. Have a great week. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Janine.","start":3.1999998,"end":4.16,"sentiment":"neutral","sentiment_score":0.28683696190516156},{"text":"It's Tommy here from Oakview Financial.","start":4.16,"end":6.16,"sentiment":"neutral","sentiment_score":0.2366925055782},{"text":"How are you doing today?","start":6.16,"end":7.22,"sentiment":"neutral","sentiment_score":0.2161882311105728},{"text":"Sorry, Janine.","start":10.8,"end":11.599999,"sentiment":"neutral","sentiment_score":-0.03476044815033674},{"text":"How are you?","start":11.599999,"end":12.42,"sentiment":"neutral","sentiment_score":0.015405225257078806}],"sentiment":"neutral","sentiment_score":0.17570009758990063,"num_words":19,"start":3.1999998,"end":12.42},{"sentences":[{"text":"I'm just giving you a call.","start":15.235,"end":16.515,"sentiment":"neutral","sentiment_score":0.12440967559814453},{"text":"I had a message here from Michelle about some withdrawals from Super and just finishing off an annual review.","start":16.515,"end":22.835,"sentiment":"neutral","sentiment_score":0.05506145787474356},{"text":"Do you still have a bit of time?","start":22.835,"end":24.375,"sentiment":"neutral","sentiment_score":0.009125410579144955},{"text":"Perfect.","start":25.474998,"end":25.955,"sentiment":"neutral","sentiment_score":0.31494390964508057},{"text":"So I've got all your information open.","start":25.955,"end":27.795,"sentiment":"neutral","sentiment_score":0.22345378356320517}],"sentiment":"neutral","sentiment_score":0.09133535201047979,"num_words":41,"start":15.235,"end":27.795},{"sentences":[{"text":"I'll just do a quick security check with you, and then I'll dive into it with you.","start":27.795,"end":33.446316,"sentiment":"neutral","sentiment_score":0.13927778996088924},{"text":"Is that alright?","start":33.446316,"end":34.53263,"sentiment":"neutral","sentiment_score":0.10830834259589513},{"text":"Amazing.","start":34.53263,"end":34.894737,"sentiment":"neutral","sentiment_score":0.31230399012565613},{"text":"So I just need your date of birth and address for security.","start":34.894737,"end":39.24,"sentiment":"neutral","sentiment_score":0.10106342161695163},{"text":"Mhmm.","start":39.24,"end":39.74,"sentiment":"neutral","sentiment_score":0.04620087146759033}],"sentiment":"neutral","sentiment_score":0.1254092170035138,"num_words":34,"start":27.795,"end":39.74},{"sentences":[{"text":"Sensational.","start":42.6,"end":43.1,"sentiment":"neutral","sentiment_score":0.03163829818367958},{"text":"And I registered with Aspica's adviser 1273105.","start":43.24,"end":46.885,"sentiment":"neutral","sentiment_score":0.03050027122454984},{"text":"Are you okay for the call to be recorded?","start":46.885,"end":48.745,"sentiment":"neutral","sentiment_score":0.02366894193821483},{"text":"Perfect.","start":50.485,"end":50.985,"sentiment":"neutral","sentiment_score":0.23562844097614288},{"text":"So, Jenny, what I wanna do is just a quick recap on the plan, sort of short, medium, long term.","start":51.045,"end":57.6,"sentiment":"neutral","sentiment_score":0.1291283681988716}],"sentiment":"neutral","sentiment_score":0.08621990734613255,"num_words":38,"start":42.6,"end":57.6},{"sentences":[{"text":"I did have a message here that you're looking to withdraw around about 10,000 from super for a camper van.","start":58.399998,"end":63.859997,"sentiment":"neutral","sentiment_score":0.031218692753463985},{"text":"Perfect.","start":65.36,"end":65.84,"sentiment":"neutral","sentiment_score":0.1990950107574463},{"text":"Perfect.","start":65.84,"end":66.159996,"sentiment":"neutral","sentiment_score":0.19319291412830353},{"text":"Perfect.","start":66.159996,"end":66.479996,"sentiment":"neutral","sentiment_score":0.21278968453407288},{"text":"So let me know if all of this sounds correct.","start":66.479996,"end":69.86,"sentiment":"neutral","sentiment_score":0.12564142793416977}],"sentiment":"neutral","sentiment_score":0.0753292649645697,"num_words":33,"start":58.399998,"end":69.86},{"sentences":[{"text":"You guys are essentially staying in your current residence until you hit age 67, and then you guys are gonna move back into the family home in Tamworth.","start":69.92,"end":78.965,"sentiment":"neutral","sentiment_score":0.06726582880531039},{"text":"Is that the plan?","start":78.965,"end":79.865,"sentiment":"neutral","sentiment_score":0.05108994897454977},{"text":"Perfect.","start":81.284996,"end":81.685,"sentiment":"neutral","sentiment_score":0.13425305485725403},{"text":"So retire at 67 still?","start":81.685,"end":83.625,"sentiment":"neutral","sentiment_score":0.052397694811224936},{"text":"Amazing.","start":84.884995,"end":85.384995,"sentiment":"neutral","sentiment_score":0.11420147120952606}],"sentiment":"neutral","sentiment_score":0.06662169237358448,"num_words":39,"start":69.92,"end":85.384995},{"sentences":[{"text":"Fair enough.","start":87.604996,"end":88.16499,"sentiment":"neutral","sentiment_score":-0.04164737090468407},{"text":"Fair enough.","start":88.16499,"end":88.98,"sentiment":"neutral","sentiment_score":-0.005618514493107796},{"text":"So outside of that, we are just trying to sort of finish off those last couple of years of growth out of the super.","start":89.700005,"end":95.08,"sentiment":"neutral","sentiment_score":0.04197786500056585},{"text":"Campervan will obviously help with the retirement side of things, and you've already finished renovations and things like that.","start":95.78001,"end":101.560005,"sentiment":"neutral","sentiment_score":0.15649000084713885},{"text":"Perfect.","start":102.98,"end":103.48,"sentiment":"positive","sentiment_score":0.7219417095184326}],"sentiment":"neutral","sentiment_score":0.0960039315590014,"num_words":48,"start":87.604996,"end":103.48},{"sentences":[{"text":"When it comes to the withdrawal, you're 65 in November.","start":104.175,"end":109.315,"sentiment":"neutral","sentiment_score":0.1113687513396144},{"text":"Still working at the moment?","start":111.215,"end":112.435,"sentiment":"neutral","sentiment_score":0.0702629990875721},{"text":"Yep.","start":117.615,"end":118.115,"sentiment":"neutral","sentiment_score":0.07956647127866745},{"text":"And are you already aware of how a transition to retirement pension works to access super?","start":119.11,"end":124.89,"sentiment":"neutral","sentiment_score":0.0539578995667398},{"text":"So while you're still working, you can have access to up to 10% per year of the super balance, which is more than enough for this withdrawal.","start":126.79,"end":137.145,"sentiment":"neutral","sentiment_score":0.15475804786439296}],"sentiment":"neutral","sentiment_score":0.11163326551727319,"num_words":59,"start":104.175,"end":137.145},{"sentences":[{"text":"And what we basically need to do is we need to get your super account or the majority of it converted over into a transition pension.","start":137.765,"end":145.30501,"sentiment":"neutral","sentiment_score":0.09787411156755227},{"text":"It's just an account type that allows you to make withdrawals, and your existing super account can still receive the contributions.","start":147.125,"end":153.92,"sentiment":"neutral","sentiment_score":0.14519753732851573},{"text":"So what I'm basically going to do is just in preparation for any other strategies we do the next few years is I'm gonna move I'll put together a document for you with this strategy so you know what we're doing.","start":155.98,"end":167.815,"sentiment":"neutral","sentiment_score":0.15054626363079723},{"text":"But I basically need to move about 200,000 across into a transition pension account, link it up with your super so it's all with the one provider, and then I can set a five percent one off withdrawal, which will be the 10,000.","start":167.955,"end":182.40001,"sentiment":"neutral","sentiment_score":0.13035498316897903},{"text":"And then today, you'll still have access to another 5% if you need to, but that'll be for that purpose.","start":182.62001,"end":189.12001,"sentiment":"neutral","sentiment_score":0.09335829839110374}],"sentiment":"neutral","sentiment_score":0.12740862409010628,"num_words":151,"start":137.765,"end":189.12001},{"sentences":[{"text":"At the same time, there was a couple of things that we were looking to do with some of your investments.","start":191.55501,"end":195.895,"sentiment":"neutral","sentiment_score":-0.05857396267709278},{"text":"They're all been doing quite well, but there's just one there that's a bit underperforming.","start":197.155,"end":200.855,"sentiment":"neutral","sentiment_score":-0.14297458703319232},{"text":"So at the same time, I thought I might just freshen up your portfolio at the same time.","start":201.075,"end":206.20999,"sentiment":"neutral","sentiment_score":-0.009763770426313082},{"text":"Sound alright?","start":206.26999,"end":207.01,"sentiment":"neutral","sentiment_score":0.08499392122030258},{"text":"I do need to quickly ask you just around risk levels because you're currently in a balanced risk profile, which is like a medium, like a three out of five.","start":208.75,"end":218.655,"sentiment":"neutral","sentiment_score":-0.031059165112674238}],"sentiment":"neutral","sentiment_score":-0.05014194186430338,"num_words":86,"start":191.55501,"end":218.655},{"sentences":[{"text":"Normally, it's a it's a fifty fifty combination of growth and security because you've got about 70% of your money between sixty and seventy in shares, property, gold, all those kind of growth assets.","start":219.615,"end":232.355,"sentiment":"neutral","sentiment_score":0.1661229368080111},{"text":"Normally, I would recommend that for about if you have a investment time frame of about five years or above just because there is a little bit of volatility with that one.","start":233.295,"end":242.62,"sentiment":"neutral","sentiment_score":0.05960569460876286},{"text":"But the two options are basically, we can reduce the risk level down a little bit, but that'll get you a lower return, or we keep the balance risk profile going.","start":242.68,"end":253.04501,"sentiment":"neutral","sentiment_score":0.1512267820296749},{"text":"And the worst case scenario is you might have to delay retirement by twelve months if the stock market explodes.","start":253.10501,"end":258.325,"sentiment":"negative","sentiment_score":-0.40725705623626707},{"text":"Yep.","start":268.16,"end":268.66,"sentiment":"neutral","sentiment_score":-0.025105666369199753}],"sentiment":"neutral","sentiment_score":0.03451987737947601,"num_words":118,"start":219.615,"end":268.66},{"sentences":[{"text":"No.","start":269.44,"end":269.68,"sentiment":"neutral","sentiment_score":-0.1283650100231171},{"text":"That's fair.","start":269.68,"end":270.58,"sentiment":"neutral","sentiment_score":-0.0716773197054863},{"text":"Fair enough.","start":283.61502,"end":284.355,"sentiment":"neutral","sentiment_score":-0.100861556828022},{"text":"No.","start":298.96,"end":299.2,"sentiment":"neutral","sentiment_score":-0.194961816072464},{"text":"That's perfect.","start":299.2,"end":299.92,"sentiment":"neutral","sentiment_score":0.17349302396178246}],"sentiment":"neutral","sentiment_score":-0.04017731640487909,"num_words":8,"start":269.44,"end":299.92},{"sentences":[{"text":"So when I take into account risk, I need to basically try and get you to a retirement goal with the least risk necessary.","start":299.92,"end":307.945,"sentiment":"neutral","sentiment_score":0.24928179445366064},{"text":"Now what that basically means is if you retire today, your super could produce about 270 to $500 a week worth of income after tax.","start":308.405,"end":318.21,"sentiment":"neutral","sentiment_score":0.22421963021159172},{"text":"Now in terms of an amount, generally speaking, the government recommends that you have at least maybe a thousand dollars a week total if you add in pensions and because age pension kicks in at 67, so that'll top you up another few 100 as well.","start":320.13,"end":334.185,"sentiment":"neutral","sentiment_score":0.06074459842689659},{"text":"So you're a little bit off of that retirement goal depending on your partner's situation.","start":334.26498,"end":339.405,"sentiment":"negative","sentiment_score":-0.37410430510838827},{"text":"So if we're still in growth mode, I probably need to keep it in balance just for a little while longer just to get a little bit more growth out of it.","start":340.105,"end":347.085,"sentiment":"neutral","sentiment_score":-0.0852209955919534}],"sentiment":"neutral","sentiment_score":0.0425624571425814,"num_words":142,"start":299.92,"end":347.085},{"sentences":[{"text":"K.","start":348.585,"end":349.085,"sentiment":"neutral","sentiment_score":0.04162421077489853},{"text":"Just bear in mind that the only thing that we have to worry about is if we have a, you know, global financial crisis or another COVID.","start":349.43,"end":355.61,"sentiment":"neutral","sentiment_score":-0.12250495439878216},{"text":"That's the scenario that causes delays.","start":355.66998,"end":357.77,"sentiment":"neutral","sentiment_score":-0.21291606376568475},{"text":"Any other normal fluctuations, we can deal with over a few years pretty easily.","start":357.90997,"end":361.84998,"sentiment":"neutral","sentiment_score":-0.14224697276949883},{"text":"Cool.","start":363.34998,"end":363.765,"sentiment":"neutral","sentiment_score":0.2774742841720581}],"sentiment":"neutral","sentiment_score":-0.12770386275892354,"num_words":49,"start":348.585,"end":363.765},{"sentences":[{"text":"Just a couple of things just to kind of cap off.","start":364.40503,"end":366.40503,"sentiment":"neutral","sentiment_score":-0.06531324677846649},{"text":"So I've got the goals there.","start":366.40503,"end":367.52502,"sentiment":"neutral","sentiment_score":0.10623884697755177},{"text":"We've got the idea with the super.","start":367.52502,"end":369.065,"sentiment":"neutral","sentiment_score":0.1986970113856452},{"text":"I need to put all of this into a statement of advice to you to get you into that new account, freshen up the investments, and get the withdrawals going.","start":369.36502,"end":376.005,"sentiment":"neutral","sentiment_score":0.1248714029788971},{"text":"So it will take me a couple of weeks.","start":376.005,"end":377.52,"sentiment":"neutral","sentiment_score":-0.06329583997527759}],"sentiment":"neutral","sentiment_score":0.0712118408982716,"num_words":63,"start":364.40503,"end":377.52},{"sentences":[{"text":"I just wanted to ask you how urgent the purchase was.","start":377.75998,"end":380.5,"sentiment":"neutral","sentiment_score":-0.07021617483008992},{"text":"Mhmm.","start":389.52,"end":390.02,"sentiment":"neutral","sentiment_score":-0.2663463056087494},{"text":"Fair.","start":392.24,"end":392.74,"sentiment":"neutral","sentiment_score":-0.0797266885638237},{"text":"Yep.","start":408.5,"end":408.74002,"sentiment":"positive","sentiment_score":0.45323580503463745},{"text":"It's ready to go from the outset.","start":408.74002,"end":410.52002,"sentiment":"positive","sentiment_score":0.6739710399082729}],"sentiment":"neutral","sentiment_score":0.1929801031947136,"num_words":21,"start":377.75998,"end":410.52002},{"sentences":[{"text":"Perfect.","start":412.26,"end":412.76,"sentiment":"positive","sentiment_score":0.6883791089057922},{"text":"So the last couple of questions I've got then is just in terms of estate planning side of things.","start":413.38,"end":418.665,"sentiment":"neutral","sentiment_score":0.1421815725533586},{"text":"I have your partner listed as beneficiary for the super, and I'll need to carry that across to the pension account as well if you're still comfortable.","start":418.98502,"end":426.685,"sentiment":"neutral","sentiment_score":0.10427070312477925},{"text":"It does say here that estate planning wise, you do have a will in place that you might need to update at some point.","start":428.98502,"end":436.24,"sentiment":"neutral","sentiment_score":0.06904074518630902},{"text":"Fair.","start":438.1,"end":438.6,"sentiment":"neutral","sentiment_score":0.039482954889535904}],"sentiment":"neutral","sentiment_score":0.1097444279326333,"num_words":72,"start":412.26,"end":438.6},{"sentences":[{"text":"The question I had beside that one was, do you remember putting in place a power of attorney at all?","start":438.74,"end":444.6,"sentiment":"neutral","sentiment_score":-0.007299822475761175},{"text":"Yep.","start":453.23502,"end":453.73502,"sentiment":"neutral","sentiment_score":0.019198523834347725},{"text":"Okay.","start":457.555,"end":457.875,"sentiment":"neutral","sentiment_score":0.022872360423207283},{"text":"So that would probably be in place.","start":457.875,"end":459.42,"sentiment":"neutral","sentiment_score":0.037204710500580926},{"text":"Beautiful.","start":462.30002,"end":462.7,"sentiment":"positive","sentiment_score":0.4548866152763366}],"sentiment":"neutral","sentiment_score":0.020379800784091153,"num_words":30,"start":438.74,"end":462.7},{"sentences":[{"text":"And you guys have never gone through a bankruptcy or a part nine debt agreement before?","start":462.7,"end":466.96002,"sentiment":"neutral","sentiment_score":-0.011997533845715225},{"text":"Perfect.","start":469.1,"end":469.6,"sentiment":"neutral","sentiment_score":0.11108717322349548},{"text":"As far as assets and liabilities go, we've got the the home that's currently rented out, the amount owing on that.","start":470.06,"end":476.715,"sentiment":"neutral","sentiment_score":0.013386658614590055},{"text":"I think Michelle updated all these details with you for the vehicles and the bank account and everything.","start":476.715,"end":481.13498,"sentiment":"neutral","sentiment_score":0.06490567492114173},{"text":"Perfect.","start":482.555,"end":483.035,"sentiment":"neutral","sentiment_score":0.21690398454666135}],"sentiment":"neutral","sentiment_score":0.027814957819748343,"num_words":57,"start":462.7,"end":483.035},{"sentences":[{"text":"So no other loans or anything outside of just the mortgage to finish off?","start":483.035,"end":487.62,"sentiment":"neutral","sentiment_score":-0.018118145343448435},{"text":"Awesome.","start":489.54,"end":489.94,"sentiment":"positive","sentiment_score":0.3765578269958496},{"text":"And I'm assuming that's part of it too.","start":489.94,"end":491.69998,"sentiment":"neutral","sentiment_score":0.26626637391746044},{"text":"Just finish that off the next couple of years.","start":491.69998,"end":493.63998,"sentiment":"neutral","sentiment_score":0.18118339280287424},{"text":"Awesome.","start":495.94,"end":496.26,"sentiment":"positive","sentiment_score":0.4959142804145813}],"sentiment":"neutral","sentiment_score":0.13271513936871832,"num_words":33,"start":483.035,"end":496.26},{"sentences":[{"text":"So debt free with a camper van, bit of super, bit of age pension, and you're off to the races.","start":496.26,"end":500.595,"sentiment":"neutral","sentiment_score":0.3059577412903309},{"text":"Sounds good to me.","start":506.995,"end":508.295,"sentiment":"positive","sentiment_score":0.46824517101049423},{"text":"Is there anything else I need to factor in here?","start":508.595,"end":510.675,"sentiment":"neutral","sentiment_score":0.10872874185442924},{"text":"Anything else you guys are working on?","start":510.675,"end":512.45496,"sentiment":"neutral","sentiment_score":0.01357479060867003},{"text":"Perfect.","start":519.08997,"end":519.57,"sentiment":"neutral","sentiment_score":-0.2291373610496521}],"sentiment":"neutral","sentiment_score":0.2129835500381887,"num_words":42,"start":496.26,"end":519.57},{"sentences":[{"text":"So I'll get stuck into it.","start":519.57,"end":521.51,"sentiment":"neutral","sentiment_score":-0.08049570893247922},{"text":"What I will do is just because of your annual review being due, I'm gonna send this pack out to you this morning, which will just have a summary of all the super and the insurance because we've got the life insurance on there still with Real, which I'm assuming you're just keeping that for as long as you can.","start":521.64996,"end":537.78,"sentiment":"neutral","sentiment_score":0.11491990058372419},{"text":"Right.","start":548.66003,"end":549.16003,"sentiment":"neutral","sentiment_score":-0.022682445123791695},{"text":"Yeah.","start":561.475,"end":561.81,"sentiment":"neutral","sentiment_score":-0.11159076541662216},{"text":"Yeah.","start":571.17,"end":571.67,"sentiment":"neutral","sentiment_score":-0.0869724303483963}],"sentiment":"neutral","sentiment_score":0.0897242629063734,"num_words":69,"start":519.57,"end":571.67},{"sentences":[{"text":"Yeah.","start":571.73,"end":572.23,"sentiment":"neutral","sentiment_score":-0.0948297753930092},{"text":"That'll be the one.","start":573.17,"end":574.155,"sentiment":"neutral","sentiment_score":-0.32062892615795135},{"text":"Yep.","start":580.315,"end":580.815,"sentiment":"neutral","sentiment_score":-0.14275307953357697},{"text":"Yeah.","start":589.94,"end":590.18,"sentiment":"neutral","sentiment_score":-0.0684683546423912},{"text":"No.","start":590.18,"end":590.57996,"sentiment":"neutral","sentiment_score":-0.16929076611995697}],"sentiment":"neutral","sentiment_score":-0.21973221004009247,"num_words":8,"start":571.73,"end":590.57996},{"sentences":[{"text":"I mean, it's I guess, it's a bit of an obvious one for you, isn't it?","start":590.57996,"end":594.18,"sentiment":"neutral","sentiment_score":-0.120518634095788},{"text":"Because you've already considered what could happen in your life, and that's the one that presents the most dangers.","start":594.18,"end":599.54,"sentiment":"neutral","sentiment_score":-0.16841300929847516},{"text":"So if you wanna protect for that, makes perfect sense to me.","start":599.54,"end":603.33496,"sentiment":"neutral","sentiment_score":0.14215813173602024},{"text":"Absolutely.","start":609.795,"end":610.295,"sentiment":"neutral","sentiment_score":0.29449406266212463},{"text":"So 268,000 worth of cover, $379.05 per year worth of premiums, keeping that one in place at the moment.","start":610.435,"end":618.49,"sentiment":"neutral","sentiment_score":0.13033484079335866}],"sentiment":"neutral","sentiment_score":-0.009722264233364988,"num_words":67,"start":590.57996,"end":618.49},{"sentences":[{"text":"And the only other thing too is that we've updated our service guides and also our fee structure with Oakview.","start":619.51,"end":626.01,"sentiment":"neutral","sentiment_score":0.09942985288798808},{"text":"Now we've added discounts for clients above 200,000, which you are.","start":626.94995,"end":631.485,"sentiment":"neutral","sentiment_score":0.2179486561905254},{"text":"So I would like to send you through the annual review pack with an updated service consent form just with the discounted fee structure as well.","start":631.565,"end":639.745,"sentiment":"neutral","sentiment_score":0.2199795269049131},{"text":"So it goes from 1.65% down to 1.37 above 200,000.","start":641.005,"end":645.90497,"sentiment":"neutral","sentiment_score":0.1553434871137142},{"text":"And if we ever get you up above 500,000, there's a further reduction as well.","start":646.29,"end":650.47,"sentiment":"neutral","sentiment_score":0.013511972874403}],"sentiment":"neutral","sentiment_score":0.14465383462971304,"num_words":82,"start":619.51,"end":650.47},{"sentences":[{"text":"I always remain hopeful, Janine, but we do our best.","start":654.45,"end":657.43,"sentiment":"positive","sentiment_score":0.48818235397338866},{"text":"So I'll pop that through, and I've got your email address is mariej@pm.","start":659.705,"end":666.60504,"sentiment":"neutral","sentiment_score":0.08672136727433938},{"text":"Is that the right one for you?","start":666.745,"end":668.445,"sentiment":"neutral","sentiment_score":0.0290781275502273},{"text":"P m dot me.","start":670.66504,"end":671.385,"sentiment":"neutral","sentiment_score":0.02386031812056899},{"text":"That's the one.","start":671.385,"end":672.025,"sentiment":"neutral","sentiment_score":0.07736267397801082}],"sentiment":"neutral","sentiment_score":0.17676425679914048,"num_words":37,"start":654.45,"end":672.025},{"sentences":[{"text":"I will pop that through to you now.","start":672.025,"end":673.8,"sentiment":"neutral","sentiment_score":0.14175708778202534},{"text":"Have you ever used our new Odoo sign system?","start":673.8,"end":676.22,"sentiment":"neutral","sentiment_score":0.0770126786082983},{"text":"K.","start":679.95996,"end":680.27997,"sentiment":"neutral","sentiment_score":-0.0004168236628174782},{"text":"It's basically exactly the same as DocuSign.","start":680.27997,"end":682.3,"sentiment":"neutral","sentiment_score":0.0634545369872025},{"text":"There's a an email that comes through with a purple sign here button.","start":682.76,"end":686.6,"sentiment":"neutral","sentiment_score":0.0710676982998848}],"sentiment":"neutral","sentiment_score":0.08407410060202605,"num_words":38,"start":672.025,"end":686.6},{"sentences":[{"text":"It'll open up all the documents to scroll through.","start":686.6,"end":689.145,"sentiment":"neutral","sentiment_score":0.10293007890383403},{"text":"Once you get to the bottom, it'll ask you to stamp on some signatures and also gives you a button to skip next documents for the ones that don't require a signature, like our service guide, some charts, and things like that.","start":689.205,"end":701.945,"sentiment":"neutral","sentiment_score":0.11245139386682283},{"text":"And then at the very end, it'll have a validate button.","start":702.245,"end":702.5505,"sentiment":"neutral","sentiment_score":0.12024097483266484},{"text":"Easy done.","start":702.5505,"end":702.815,"sentiment":"positive","sentiment_score":0.41841937601566315},{"text":"And Easy done.","start":702.815,"end":708.29,"sentiment":"neutral","sentiment_score":0.26075950264930725}],"sentiment":"neutral","sentiment_score":0.1282253318758153,"num_words":67,"start":686.6,"end":708.29},{"sentences":[{"text":"Any questions for me?","start":708.43,"end":709.73,"sentiment":"neutral","sentiment_score":0.09321148134768009},{"text":"That's okay at all.","start":716.405,"end":717.205,"sentiment":"positive","sentiment_score":0.402268186211586},{"text":"I'll get stuck into it.","start":717.205,"end":718.16504,"sentiment":"neutral","sentiment_score":0.25106885433197024},{"text":"And in a couple of weeks, I'll get Michelle to book you in.","start":718.16504,"end":720.825,"sentiment":"neutral","sentiment_score":0.27350630783117735},{"text":"Make sure you can tick off and you're happy with the plan, and then we can go ahead and switch everything around.","start":721.125,"end":725.52295,"sentiment":"neutral","sentiment_score":0.33263925496827473}],"sentiment":"neutral","sentiment_score":0.2939772615209222,"num_words":48,"start":708.43,"end":725.52295},{"sentences":[{"text":"Amazing.","start":728.16296,"end":728.5629,"sentiment":"positive","sentiment_score":0.8913605213165283},{"text":"Have a great week.","start":728.5629,"end":729.54297,"sentiment":"positive","sentiment_score":0.8340554088354111},{"text":"Thank you.","start":731.44293,"end":732.08295,"sentiment":"positive","sentiment_score":0.7044895887374878},{"text":"Bye.","start":732.08295,"end":732.58295,"sentiment":"neutral","sentiment_score":-0.10568354278802872}],"sentiment":"positive","sentiment_score":0.6913597239181399,"num_words":8,"start":728.16296,"end":732.58295}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. I should've probably answered with Janine. That's alright. Good. Thank you. Yep. Yep. Yep. Not a problem. Tenth eleventh '19 '61, and it's Cajon Park Court in New South Wales 2843. Yep. Yes. Yep. Yes. Hopefully. That that's the plan. Yes. Yep. Unless something unfortunately happens. Yep. All done. Mhmm. Yep. Yep. I do about, say, an average of twenty six to twenty eight hours a a week. Nope. Nope. Nope. Yep. Yep. Okay. Alright. Okay. Yep. Yep. Yep. Yep. Okay. Yep. Okay. Cool. Yep. Sounds perfect. Alright. Yep. Yep. Yep. Yep. Yep. Okay. Well, I guess this is where I say to you, I know absolutely nothing about this side of everything. And I I guess that's why I've got you guys on that end to try and advise me in the best. I I look at nothing in the market for anything to do with anything. I don't even watch the news anymore. So I'm I'm really sorry. I I I don't look at that outside area of my life. So I need to take it on you guys' advice. I know that's probably not what you what you want to hear, but I have no idea whatsoever. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. That's fair enough. Yep. Yep. Yep. Okay. Yep. Yep. That's alright. No. No. It's not it's not urgent. We're just sort of still looking at different ones that are popping up advertised. We're just looking. We don't wanna just go in and buy the first one we look at. Yeah. We'll have you look at one on the weekend, and you can't make so we just need to do this. So I said, no. Don't you bring me home something that we're gonna have to do this work too? I said, I want something to come home that it's what we need. We don't have to work on it. So so yes. Yep. Yep. I do need to update it. Definitely. I need to get that done. That would have been this is going back years. It would have been my sister and one of my husband's brothers. Yes. I would say say yes. No. No. No. Yep. Yep. Not not not just the mortgage. Yes. Hopefully, yes. Oh, well, I don't know about the races, but let's go have a bit of look look around Australia. No. No. Not at this stage. Yeah. Not not at all. Yep. Yeah. I I I I guess I think it's more like I had a quick glance at it, and from what I understand, it's more or less an accident insurance. And and and I know this sounds horrible when I say this, but with me traveling to work, I'm on a country road. I'm 25 kilometers from town. A lot of trucks, a lot of wildlife. So I'm hoping that my health is quite well at the moment. And, sadly, if it was an accident, I would say it would be more or less one that would happen on that road. I know that sounds terrible, but I've I've always looked at that the travel to my work and back that besides my health going severely something unexpected, that would be my my problem. Yeah. Yes. Yes. Yeah. And I I travel home from work two nights a week at night, so it's yeah. Yep. Yep. Yep. Mhmm. Yep. Okay. That's that's very hopeful, but thank you. Yep. Marie t j marietj@pm.me. Yep. Yep. Thank you. I'm not a 100% sure. Yep. Yep. Yep. Yep. Okay. Not a problem. No. None at all. And I appreciate the the callback, and I I really do appreciate that. Yep. Okay. Thank you so much, Tom. You have a good one. 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Yeah. I should've probably answered with Janine. That's alright. Good.\n\nThank you. Yep. Yep. Yep. Not a problem.\n\nTenth eleventh '19 '61, and it's Cajon Park Court in New South Wales 2843. Yep. Yes. Yep. Yes.\n\nHopefully. That that's the plan. Yes. Yep. Unless something unfortunately happens.\n\nYep. All done. Mhmm. Yep. Yep.\n\nI do about, say, an average of twenty six to twenty eight hours a a week. Nope. Nope. Nope. Yep.\n\nYep. Okay. Alright. Okay. Yep.\n\nYep. Yep. Yep. Okay. Yep.\n\nOkay. Cool. Yep. Sounds perfect. Alright.\n\nYep. Yep. Yep. Yep. Yep.\n\nOkay. Well, I guess this is where I say to you, I know absolutely nothing about this side of everything. And I I guess that's why I've got you guys on that end to try and advise me in the best. I I look at nothing in the market for anything to do with anything. I don't even watch the news anymore.\n\nSo I'm I'm really sorry. I I I don't look at that outside area of my life. So I need to take it on you guys' advice. I know that's probably not what you what you want to hear, but I have no idea whatsoever. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. That's fair enough.\n\nYep. Yep. Yep. Okay. Yep.\n\nYep. That's alright. No. No. It's not it's not urgent.\n\nWe're just sort of still looking at different ones that are popping up advertised. We're just looking. We don't wanna just go in and buy the first one we look at. Yeah. We'll have you look at one on the weekend, and you can't make so we just need to do this.\n\nSo I said, no. Don't you bring me home something that we're gonna have to do this work too? I said, I want something to come home that it's what we need. We don't have to work on it. So so yes.\n\nYep. Yep. I do need to update it. Definitely. I need to get that done.\n\nThat would have been this is going back years. It would have been my sister and one of my husband's brothers. Yes. I would say say yes. No.\n\nNo. No. Yep. Yep. Not not not just the mortgage.\n\nYes. Hopefully, yes. Oh, well, I don't know about the races, but let's go have a bit of look look around Australia. No. No.\n\nNot at this stage. Yeah. Not not at all. Yep. Yeah.\n\nI I I I guess I think it's more like I had a quick glance at it, and from what I understand, it's more or less an accident insurance. And and and I know this sounds horrible when I say this, but with me traveling to work, I'm on a country road. I'm 25 kilometers from town. A lot of trucks, a lot of wildlife. So I'm hoping that my health is quite well at the moment.\n\nAnd, sadly, if it was an accident, I would say it would be more or less one that would happen on that road. I know that sounds terrible, but I've I've always looked at that the travel to my work and back that besides my health going severely something unexpected, that would be my my problem. Yeah. Yes. Yes.\n\nYeah. And I I travel home from work two nights a week at night, so it's yeah. Yep. Yep. Yep.\n\nMhmm. Yep. Okay. That's that's very hopeful, but thank you. Yep.\n\nMarie t j marietj@pm.me. Yep. Yep. Thank you. I'm not a 100% sure.\n\nYep. Yep. Yep. Yep. Okay.\n\nNot a problem. No. None at all. And I appreciate the the callback, and I I really do appreciate that. Yep.\n\nOkay. Thank you so much, Tom. You have a good one. 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I guess this is where I say to you, I know absolutely nothing about this side of everything.","start":261.72,"end":267.41998,"sentiment":"neutral","sentiment_score":-0.10931584591928281},{"text":"And I I guess that's why I've got you guys on that end to try and advise me in the best.","start":269.72,"end":275.34,"sentiment":"neutral","sentiment_score":-0.048989972277056607},{"text":"I I look at nothing in the market for anything to do with anything.","start":277.215,"end":281.23502,"sentiment":"neutral","sentiment_score":-0.22952315211296082},{"text":"I don't even watch the news anymore.","start":281.295,"end":282.995,"sentiment":"neutral","sentiment_score":-0.29319140315055847}],"sentiment":"neutral","sentiment_score":-0.1362445432873022,"num_words":62,"start":259.005,"end":282.995},{"sentences":[{"text":"So I'm I'm really sorry.","start":283.055,"end":284.435,"sentiment":"neutral","sentiment_score":-0.10952475070953369},{"text":"I I I don't look at that outside area of my 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one.","start":729.60297,"end":730.64294,"sentiment":"positive","sentiment_score":0.7589991688728333},{"text":"Bye.","start":730.64294,"end":731.14294,"sentiment":"positive","sentiment_score":0.41807228326797485}],"sentiment":"positive","sentiment_score":0.7328948775927225,"num_words":12,"start":726.08295,"end":731.14294}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good morning, Janine. It's Tommy here from Oakview Financial. How are you doing today?\n\nChannel 1: Yeah. I should've probably answered with Janine.\n\nChannel 0: Sorry, Janine. How are you?\n\nChannel 1: That's alright. Good. Thank you.\n\nChannel 0: I'm just giving you a call. I had a message here from Michelle about some withdrawals from Super and just finishing off an annual review. Do you still have a bit\n\nChannel 1: Yep.\n\nChannel 0: of time?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. So I've got all your information open. I'll just do a quick security check with you, and then I'll dive into\n\nChannel 1: Yep. Not a problem.\n\nChannel 0: it with you. Is that alright? Amazing. So I just need your date of\n\nChannel 1: Tenth eleventh\n\nChannel 0: birth and\n\nChannel 1: '19\n\nChannel 0: address\n\nChannel 1: '61,\n\nChannel 0: for\n\nChannel 1: and\n\nChannel 0: security.\n\nChannel 1: it's Cajon\n\nChannel 0: Mhmm.\n\nChannel 1: Park Court in New South Wales 2843.\n\nChannel 0: Sensational. And I registered with Aspica's adviser 1273105. Are you okay\n\nChannel 1: Yep.\n\nChannel 0: for the call to be recorded?\n\nChannel 1: Yes.\n\nChannel 0: Perfect. So, Jenny, what I wanna do is just a quick recap on the plan, sort of short, medium, long term.\n\nChannel 1: Yep.\n\nChannel 0: I did have a message here that you're looking to withdraw around about 10,000 from super for a camper van.\n\nChannel 1: Yes.\n\nChannel 0: Perfect. Perfect. Perfect. So let me know if all of this sounds correct. You guys are essentially staying in your current residence until you hit age 67, and then you guys\n\nChannel 1: Hopefully.\n\nChannel 0: are gonna move back into the family home in Tamworth. Is that the plan?\n\nChannel 1: That that's the plan. Yes.\n\nChannel 0: Perfect. So retire at 67 still?\n\nChannel 1: Yep.\n\nChannel 0: Amazing.\n\nChannel 1: Unless something unfortunately happens.\n\nChannel 0: Fair enough. Fair enough. So outside of that, we are just trying to sort of finish off those last couple of years of growth out of the super. Campervan will obviously help with the retirement side of things, and you've already finished renovations and things like that.\n\nChannel 1: Yep. All done.\n\nChannel 0: Perfect. When it comes to the withdrawal, you're\n\nChannel 1: Mhmm.\n\nChannel 0: 65 in November.\n\nChannel 1: Yep.\n\nChannel 0: Still working at the moment?\n\nChannel 1: Yep. I do about, say, an average of twenty six to twenty eight hours a\n\nChannel 0: Yep. And are you already aware of how a transition to retirement pension works to access\n\nChannel 1: a week.\n\nChannel 0: super?\n\nChannel 1: Nope. Nope.\n\nChannel 0: So\n\nChannel 1: Nope.\n\nChannel 0: while you're still working, you can have access to up to 10% per year\n\nChannel 1: Yep.\n\nChannel 0: of the super balance, which is more than enough for this withdrawal.\n\nChannel 1: Yep.\n\nChannel 0: And what we basically need to do is we need to get your super account or the majority of it converted over into a transition pension.\n\nChannel 1: Okay.\n\nChannel 0: It's just an account type that allows you to make withdrawals, and\n\nChannel 1: Alright.\n\nChannel 0: your existing super account can still receive the contributions.\n\nChannel 1: Okay.\n\nChannel 0: So what I'm basically going to do is just in preparation for any other strategies we do the next few years is I'm gonna move I'll put together a document for you with this strategy so you know what we're doing. But I\n\nChannel 1: Yep.\n\nChannel 0: basically need to move about 200,000 across into a transition pension account, link it up with your super so it's all with the one provider, and\n\nChannel 1: Yep.\n\nChannel 0: then I can set a five percent one off withdrawal, which will be the 10,000.\n\nChannel 1: Yep.\n\nChannel 0: And\n\nChannel 1: Yep.\n\nChannel 0: then\n\nChannel 1: Okay.\n\nChannel 0: today, you'll still have access to another 5% if you need to, but that'll be for that purpose.\n\nChannel 1: Yep. Okay.\n\nChannel 0: At the same time, there was a couple of things that we were looking to do with some of your investments. They're all been doing quite well, but there's just one there that's a bit underperforming. So at the same time, I thought I might just freshen up your portfolio at the same\n\nChannel 1: Cool.\n\nChannel 0: time. Sound alright?\n\nChannel 1: Yep. Sounds perfect.\n\nChannel 0: I do need to quickly ask you just around risk levels because you're currently in a balanced risk profile, which is like\n\nChannel 1: Alright.\n\nChannel 0: a medium, like a three out of five.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Normally, it's a it's a fifty fifty combination of growth and security because you've got about 70% of your money between sixty and seventy in shares, property, gold, all those kind of growth assets.\n\nChannel 1: Yep.\n\nChannel 0: Normally, I would recommend that for about if you have a investment time frame of about five years or above just because\n\nChannel 1: Yep.\n\nChannel 0: there is a little bit of volatility with that one. But the two options are basically, we can reduce the risk level down a little bit, but that'll get you a lower return, or we keep the balance risk profile going. And the worst case scenario is you might have to delay retirement by twelve months if the stock market\n\nChannel 1: Yep.\n\nChannel 0: explodes.\n\nChannel 1: Okay. Well, I guess this is where I say to you, I know absolutely nothing about this side of everything.\n\nChannel 0: Yep. No. That's\n\nChannel 1: And\n\nChannel 0: fair.\n\nChannel 1: I I guess that's why I've got you guys on that end to try and advise me in the best. I I look at nothing in the market for anything to do with anything. I don't even watch the news anymore. So I'm I'm\n\nChannel 0: Fair\n\nChannel 1: really\n\nChannel 0: enough.\n\nChannel 1: sorry. I I I don't look at that outside area of my life. So I need to take it on you guys' advice. I know that's probably not what you what you want to hear, but I have no idea whatsoever.\n\nChannel 0: No. That's perfect.\n\nChannel 1: Yep.\n\nChannel 0: So when I take into account risk, I need to basically try and get you to a retirement\n\nChannel 1: Yep.\n\nChannel 0: goal with the least risk necessary. Now what that basically means is if you retire today, your super could produce about 270 to $500 a week worth of\n\nChannel 1: Yep.\n\nChannel 0: income after tax.\n\nChannel 1: Yep.\n\nChannel 0: Now in terms of an amount, generally speaking, the government recommends that you have at least maybe a thousand dollars a week total if you add in pensions and\n\nChannel 1: Yep.\n\nChannel 0: because age pension kicks in at 67, so that'll top you up another few 100 as well. So you're a little bit off of that retirement\n\nChannel 1: Yep.\n\nChannel 0: goal depending on your partner's situation. So\n\nChannel 1: Yep.\n\nChannel 0: if\n\nChannel 1: Yep.\n\nChannel 0: we're still in growth mode, I probably need to keep it in balance just for a little while longer just to get a little bit more growth out of it.\n\nChannel 1: Yep. Yep. That's fair enough. Yep.\n\nChannel 0: K. Just bear in mind that the only thing that we have to worry about is if we have a, you know, global financial\n\nChannel 1: Yep.\n\nChannel 0: crisis or another COVID. That's the scenario that causes delays. Any other normal fluctuations, we can deal with over a few years pretty easily.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Cool.\n\nChannel 1: Yep.\n\nChannel 0: Just a couple of things just to kind of cap off. So I've got the goals there. We've got the idea with the super. I need to put all of this into a statement of advice to you to get you into that new account, freshen up\n\nChannel 1: Yep.\n\nChannel 0: the investments, and get the withdrawals going. So it will take me a couple of weeks. I just\n\nChannel 1: That's\n\nChannel 0: wanted\n\nChannel 1: alright.\n\nChannel 0: to ask you how urgent the purchase was.\n\nChannel 1: No. No. It's not it's not urgent. We're just sort of still looking at different ones that are popping up advertised. We're just looking.\n\nWe don't wanna just\n\nChannel 0: Mhmm.\n\nChannel 1: go in and buy the first one we look at.\n\nChannel 0: Fair.\n\nChannel 1: Yeah. We'll have you look at one on the weekend, and you can't make so we just need to do this. So I said, no. Don't you bring me home something that we're gonna have to do this work too? I said, I want something to come home that it's what we need.\n\nWe don't have to work on it. So\n\nChannel 0: Yep. It's\n\nChannel 1: so\n\nChannel 0: ready to go from the outset.\n\nChannel 1: yes.\n\nChannel 0: Perfect. So the last couple of questions I've got then is just in terms of estate planning side of things. I have your partner listed as beneficiary for the super,\n\nChannel 1: Yep.\n\nChannel 0: and I'll need to carry that across to the pension account as well if you're still comfortable.\n\nChannel 1: Yep.\n\nChannel 0: It does say here that estate planning wise, you do have a will in place that you might need to update at some\n\nChannel 1: I do need to update it. Definitely.\n\nChannel 0: point.\n\nChannel 1: I need to get that done.\n\nChannel 0: Fair. The question I had beside that one was, do you remember putting in place a power of attorney at all?\n\nChannel 1: That would have been this is going back years. It would have been my sister\n\nChannel 0: Yep.\n\nChannel 1: and one of my husband's brothers.\n\nChannel 0: Okay. So that would probably be in place.\n\nChannel 1: Yes. I would say say yes.\n\nChannel 0: Beautiful. And you guys have never gone through a bankruptcy or a part\n\nChannel 1: No.\n\nChannel 0: nine debt agreement before?\n\nChannel 1: No. No.\n\nChannel 0: Perfect. As far as assets and liabilities go, we've got the the home that's currently rented out, the amount owing on that. I think Michelle updated all these details with you\n\nChannel 1: Yep.\n\nChannel 0: for the vehicles and the bank account and everything.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. So no other loans or anything outside\n\nChannel 1: Not\n\nChannel 0: of just the mortgage\n\nChannel 1: not\n\nChannel 0: to finish off?\n\nChannel 1: not just the mortgage.\n\nChannel 0: Awesome. And I'm assuming that's part of it too. Just finish that off the next couple of years.\n\nChannel 1: Yes. Hopefully, yes.\n\nChannel 0: Awesome. So debt free with a camper van, bit of super, bit of age pension, and you're off to the races.\n\nChannel 1: Oh, well, I don't know about the races, but let's go have a bit of look look around Australia.\n\nChannel 0: Sounds good to me. Is there anything else I need to factor in here? Anything else you guys are working on?\n\nChannel 1: No. No. Not at this stage. Yeah. Not\n\nChannel 0: Perfect. So I'll get stuck into it.\n\nChannel 1: not at\n\nChannel 0: What\n\nChannel 1: all.\n\nChannel 0: I will do is just because of your annual review being due, I'm gonna send this pack out to you this morning, which will just\n\nChannel 1: Yep.\n\nChannel 0: have a summary of all the super and the insurance because we've got the life insurance on there still with Real,\n\nChannel 1: Yeah.\n\nChannel 0: which I'm assuming you're just keeping that for as long as you can.\n\nChannel 1: I I I I guess I think it's more like I had a quick glance at it, and from what I understand, it's more or less an accident insurance. And\n\nChannel 0: Right.\n\nChannel 1: and and I know this sounds horrible when I say this, but with me traveling to work, I'm on a country road. I'm 25 kilometers from town. A lot of trucks, a lot of wildlife.\n\nChannel 0: Yeah.\n\nChannel 1: So I'm hoping that my health is quite well at the moment. And, sadly, if it was an accident, I would say it would be more or less one that would happen on that road.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: I know that\n\nChannel 0: That'll\n\nChannel 1: sounds\n\nChannel 0: be\n\nChannel 1: terrible,\n\nChannel 0: the one.\n\nChannel 1: but I've I've always looked at that the travel to my work and back\n\nChannel 0: Yep.\n\nChannel 1: that besides my health going severely something unexpected, that would be my my problem. Yeah.\n\nChannel 0: Yeah. No. I mean, it's I guess, it's a bit of an obvious one for you, isn't it? Because you've already considered what could happen in your life, and that's the one that presents\n\nChannel 1: Yes.\n\nChannel 0: the most dangers. So if you wanna protect for that,\n\nChannel 1: Yes.\n\nChannel 0: makes perfect sense to me.\n\nChannel 1: Yeah. And I I travel home from work two nights a week at night, so it's yeah.\n\nChannel 0: Absolutely. So 268,000 worth of cover, $379.05 per year worth of premiums, keeping that one in place at the moment.\n\nChannel 1: Yep.\n\nChannel 0: And the only other thing too is that we've updated our service guides\n\nChannel 1: Yep.\n\nChannel 0: and also our fee structure with Oakview.\n\nChannel 1: Yep.\n\nChannel 0: Now we've added discounts for clients above 200,000, which you are. So I\n\nChannel 1: Mhmm.\n\nChannel 0: would like to send you through the annual review pack with an updated service consent form just with the discounted fee structure as well.\n\nChannel 1: Yep. Okay.\n\nChannel 0: So it goes from 1.65% down to 1.37 above 200,000. And if we ever get you up above 500,000, there's a further reduction as well.\n\nChannel 1: That's that's very hopeful, but thank you.\n\nChannel 0: I always remain hopeful, Janine, but we do our best.\n\nChannel 1: Yep.\n\nChannel 0: So I'll pop that through, and I've got your email address is mariej@pm. Is that\n\nChannel 1: Marie\n\nChannel 0: the right\n\nChannel 1: t\n\nChannel 0: one\n\nChannel 1: j\n\nChannel 0: for you?\n\nChannel 1: marietj@pm.me.\n\nChannel 0: P m dot me. That's the one.\n\nChannel 1: Yep.\n\nChannel 0: I will pop\n\nChannel 1: Yep.\n\nChannel 0: that through to you now. Have you\n\nChannel 1: Thank\n\nChannel 0: ever used\n\nChannel 1: you.\n\nChannel 0: our new Odoo sign system?\n\nChannel 1: I'm not a 100% sure.\n\nChannel 0: K. It's basically exactly the same as DocuSign. There's a\n\nChannel 1: Yep.\n\nChannel 0: an email that comes through with a purple sign here button. It'll open\n\nChannel 1: Yep.\n\nChannel 0: up all the documents to scroll through. Once you get to the bottom, it'll ask you to stamp on some signatures and also gives you a button to skip next documents for the ones that don't require a signature, like our\n\nChannel 1: Yep.\n\nChannel 0: service guide, some charts, and things like that. And then at the very end, it'll have a validate button. Easy done. And Easy\n\nChannel 1: Yep. Okay. Not a problem.\n\nChannel 0: done. Any questions for me?\n\nChannel 1: No. None at all. And I appreciate the the callback, and I I really do appreciate that.\n\nChannel 0: That's okay at all. I'll get stuck into it. And in a couple of weeks, I'll get Michelle to book you in. Make sure you can tick off and you're happy with the plan, and then we\n\nChannel 1: Yep.\n\nChannel 0: can go ahead and switch everything around.\n\nChannel 1: Okay. Thank you so much, Tom.\n\nChannel 0: Amazing. Have a great week.\n\nChannel 1: You have a good one. Bye.\n\nChannel 0: Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.12,"end":1.62,"sentiment":"neutral","sentiment_score":0.032980456948280334}],"sentiment":"neutral","sentiment_score":0.032980456948280334,"channel":1,"num_words":1,"start":1.12,"end":1.62},{"sentences":[{"text":"Good morning, Janine.","start":3.1999998,"end":4.16,"sentiment":"neutral","sentiment_score":0.28683696190516156},{"text":"It's Tommy here from Oakview Financial.","start":4.16,"end":6.16,"sentiment":"neutral","sentiment_score":0.2366925055782},{"text":"How are you doing today?","start":6.16,"end":7.22,"sentiment":"neutral","sentiment_score":0.2161882311105728}],"sentiment":"neutral","sentiment_score":0.24011479105268205,"channel":0,"num_words":14,"start":3.1999998,"end":7.22},{"sentences":[{"text":"Yeah.","start":7.3599997,"end":7.52,"sentiment":"neutral","sentiment_score":0.016567863523960114},{"text":"I should've probably answered with Janine.","start":7.52,"end":9.3,"sentiment":"neutral","sentiment_score":-0.023372588368753593}],"sentiment":"neutral","sentiment_score":-0.01766680952693735,"channel":1,"num_words":7,"start":7.3599997,"end":9.3},{"sentences":[{"text":"Sorry, Janine.","start":10.8,"end":11.599999,"sentiment":"neutral","sentiment_score":-0.03476044815033674},{"text":"How are you?","start":11.599999,"end":12.42,"sentiment":"neutral","sentiment_score":0.015405225257078806}],"sentiment":"neutral","sentiment_score":-0.004661044105887413,"channel":0,"num_words":5,"start":10.8,"end":12.42},{"sentences":[{"text":"That's alright.","start":12.719999,"end":13.36,"sentiment":"neutral","sentiment_score":0.15835610777139664},{"text":"Good.","start":13.36,"end":13.599999,"sentiment":"positive","sentiment_score":0.5093227028846741},{"text":"Thank you.","start":13.599999,"end":14.34,"sentiment":"positive","sentiment_score":0.5959895849227905}],"sentiment":"positive","sentiment_score":0.4036028176546097,"channel":1,"num_words":5,"start":12.719999,"end":14.34},{"sentences":[{"text":"I'm just giving you a call.","start":15.235,"end":16.515,"sentiment":"neutral","sentiment_score":0.12440967559814453},{"text":"I had a message here from Michelle about some withdrawals from Super and just finishing off an annual review.","start":16.515,"end":22.835,"sentiment":"neutral","sentiment_score":0.05506145787474356},{"text":"Do you still have a bit","start":22.835,"end":23.715,"sentiment":"neutral","sentiment_score":0.010902592291434606}],"sentiment":"neutral","sentiment_score":0.05993681635347105,"channel":0,"num_words":31,"start":15.235,"end":23.715},{"sentences":[{"text":"Yep.","start":23.615,"end":24.115,"sentiment":"neutral","sentiment_score":0.00445550587028265}],"sentiment":"neutral","sentiment_score":0.00445550587028265,"channel":1,"num_words":1,"start":23.615,"end":24.115},{"sentences":[{"text":"of time?","start":23.715,"end":24.375,"sentiment":"neutral","sentiment_score":0.003793865442276001}],"sentiment":"neutral","sentiment_score":0.003793865442276001,"channel":0,"num_words":2,"start":23.715,"end":24.375},{"sentences":[{"text":"Yep.","start":24.415,"end":24.915,"sentiment":"neutral","sentiment_score":0.08236245810985565}],"sentiment":"neutral","sentiment_score":0.08236245810985565,"channel":1,"num_words":1,"start":24.415,"end":24.915},{"sentences":[{"text":"Perfect.","start":25.474998,"end":25.955,"sentiment":"neutral","sentiment_score":0.31494390964508057},{"text":"So I've got all your information open.","start":25.955,"end":27.795,"sentiment":"neutral","sentiment_score":0.22345378356320517},{"text":"I'll just do a quick security check with you, and then I'll dive into","start":27.795,"end":30.36,"sentiment":"neutral","sentiment_score":0.1479617107127394}],"sentiment":"neutral","sentiment_score":0.17957201566208492,"channel":0,"num_words":22,"start":25.474998,"end":30.36},{"sentences":[{"text":"Yep.","start":31.23,"end":31.55,"sentiment":"neutral","sentiment_score":0.07617409527301788},{"text":"Not a problem.","start":31.55,"end":32.37,"sentiment":"neutral","sentiment_score":0.16537021597226462}],"sentiment":"neutral","sentiment_score":0.14307118579745293,"channel":1,"num_words":4,"start":31.23,"end":32.37},{"sentences":[{"text":"it with you.","start":32.36,"end":33.446316,"sentiment":"neutral","sentiment_score":0.09875282645225525},{"text":"Is that alright?","start":33.446316,"end":34.53263,"sentiment":"neutral","sentiment_score":0.10830834259589513},{"text":"Amazing.","start":34.53263,"end":34.894737,"sentiment":"neutral","sentiment_score":0.31230399012565613},{"text":"So I just need your date of","start":34.894737,"end":37.429474,"sentiment":"neutral","sentiment_score":0.10242596162217003}],"sentiment":"neutral","sentiment_score":0.11789065918752126,"channel":0,"num_words":14,"start":32.36,"end":37.429474},{"sentences":[{"text":"Tenth eleventh","start":37.07,"end":37.89,"sentiment":"neutral","sentiment_score":0.09228358045220375}],"sentiment":"neutral","sentiment_score":0.09228358045220375,"channel":1,"num_words":2,"start":37.07,"end":37.89},{"sentences":[{"text":"birth and","start":37.429474,"end":38.153687,"sentiment":"neutral","sentiment_score":0.11144669726490974}],"sentiment":"neutral","sentiment_score":0.11144669726490974,"channel":0,"num_words":2,"start":37.429474,"end":38.153687},{"sentences":[{"text":"'19","start":37.949997,"end":38.27,"sentiment":"neutral","sentiment_score":0.1166953146457672}],"sentiment":"neutral","sentiment_score":0.1166953146457672,"channel":1,"num_words":1,"start":37.949997,"end":38.27},{"sentences":[{"text":"address","start":38.153687,"end":38.515793,"sentiment":"neutral","sentiment_score":0.090164914727211}],"sentiment":"neutral","sentiment_score":0.090164914727211,"channel":0,"num_words":1,"start":38.153687,"end":38.515793},{"sentences":[{"text":"'61,","start":38.27,"end":38.829998,"sentiment":"neutral","sentiment_score":0.12744508683681488}],"sentiment":"neutral","sentiment_score":0.12744508683681488,"channel":1,"num_words":1,"start":38.27,"end":38.829998},{"sentences":[{"text":"for","start":38.515793,"end":38.877895,"sentiment":"neutral","sentiment_score":0.08875885605812073}],"sentiment":"neutral","sentiment_score":0.08875885605812073,"channel":0,"num_words":1,"start":38.515793,"end":38.877895},{"sentences":[{"text":"and","start":38.829998,"end":38.989998,"sentiment":"neutral","sentiment_score":0.09506430476903915}],"sentiment":"neutral","sentiment_score":0.09506430476903915,"channel":1,"num_words":1,"start":38.829998,"end":38.989998},{"sentences":[{"text":"security.","start":38.877895,"end":39.24,"sentiment":"neutral","sentiment_score":0.093962162733078}],"sentiment":"neutral","sentiment_score":0.093962162733078,"channel":0,"num_words":1,"start":38.877895,"end":39.24},{"sentences":[{"text":"it's Cajon","start":38.989998,"end":39.71,"sentiment":"neutral","sentiment_score":0.06041278876364231}],"sentiment":"neutral","sentiment_score":0.06041278876364231,"channel":1,"num_words":2,"start":38.989998,"end":39.71},{"sentences":[{"text":"Mhmm.","start":39.24,"end":39.74,"sentiment":"neutral","sentiment_score":0.04620087146759033}],"sentiment":"neutral","sentiment_score":0.04620087146759033,"channel":0,"num_words":1,"start":39.24,"end":39.74},{"sentences":[{"text":"Park Court in New South Wales 2843.","start":39.71,"end":42.29,"sentiment":"neutral","sentiment_score":0.03718233481049538}],"sentiment":"neutral","sentiment_score":0.03718233481049538,"channel":1,"num_words":7,"start":39.71,"end":42.29},{"sentences":[{"text":"Sensational.","start":42.6,"end":43.1,"sentiment":"neutral","sentiment_score":0.03163829818367958},{"text":"And I registered with Aspica's adviser 1273105.","start":43.24,"end":46.885,"sentiment":"neutral","sentiment_score":0.03050027122454984},{"text":"Are you okay","start":46.885,"end":47.524998,"sentiment":"neutral","sentiment_score":0.03113659719626109}],"sentiment":"neutral","sentiment_score":0.0307772716676647,"channel":0,"num_words":11,"start":42.6,"end":47.524998},{"sentences":[{"text":"Yep.","start":47.445,"end":47.945,"sentiment":"neutral","sentiment_score":0.027689283713698387}],"sentiment":"neutral","sentiment_score":0.027689283713698387,"channel":1,"num_words":1,"start":47.445,"end":47.945},{"sentences":[{"text":"for the call to be 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term.","start":51.045,"end":57.6,"sentiment":"neutral","sentiment_score":0.1291283681988716}],"sentiment":"neutral","sentiment_score":0.13419980023588454,"channel":0,"num_words":21,"start":50.485,"end":57.6},{"sentences":[{"text":"Yep.","start":58.0,"end":58.5,"sentiment":"neutral","sentiment_score":0.055930595844984055}],"sentiment":"neutral","sentiment_score":0.055930595844984055,"channel":1,"num_words":1,"start":58.0,"end":58.5},{"sentences":[{"text":"I did have a message here that you're looking to withdraw around about 10,000 from super for a camper 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you?","start":667.78503,"end":668.445,"sentiment":"neutral","sentiment_score":0.026826094835996628}],"sentiment":"neutral","sentiment_score":0.026826094835996628,"channel":0,"num_words":2,"start":667.78503,"end":668.445},{"sentences":[{"text":"marietj@pm.me.","start":668.13995,"end":670.39996,"sentiment":"neutral","sentiment_score":0.012838171795010568}],"sentiment":"neutral","sentiment_score":0.012838171795010568,"channel":1,"num_words":1,"start":668.13995,"end":670.39996},{"sentences":[{"text":"P m dot me.","start":670.66504,"end":671.385,"sentiment":"neutral","sentiment_score":0.02386031812056899},{"text":"That's the 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sure.","start":677.555,"end":679.255,"sentiment":"neutral","sentiment_score":-0.07698244154453278}],"sentiment":"neutral","sentiment_score":-0.07698244154453278,"channel":1,"num_words":5,"start":677.555,"end":679.255},{"sentences":[{"text":"K.","start":679.95996,"end":680.27997,"sentiment":"neutral","sentiment_score":-0.0004168236628174782},{"text":"It's basically exactly the same as DocuSign.","start":680.27997,"end":682.3,"sentiment":"neutral","sentiment_score":0.0634545369872025},{"text":"There's a","start":682.76,"end":683.24,"sentiment":"neutral","sentiment_score":0.08446004241704941}],"sentiment":"neutral","sentiment_score":0.06126850200816989,"channel":0,"num_words":10,"start":679.95996,"end":683.24},{"sentences":[{"text":"Yep.","start":683.155,"end":683.58,"sentiment":"neutral","sentiment_score":0.06387458741664886}],"sentiment":"neutral","sentiment_score":0.06387458741664886,"channel":1,"num_words":1,"start":683.155,"end":683.58},{"sentences":[{"text":"an email that comes 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me?","start":708.43,"end":709.73,"sentiment":"neutral","sentiment_score":0.09321148134768009}],"sentiment":"neutral","sentiment_score":0.11068670898675918,"channel":0,"num_words":5,"start":707.79,"end":709.73},{"sentences":[{"text":"No.","start":710.125,"end":710.625,"sentiment":"neutral","sentiment_score":-0.0006150417029857635},{"text":"None at all.","start":711.245,"end":711.885,"sentiment":"neutral","sentiment_score":0.043644607067108154},{"text":"And I appreciate the the callback, and I I really do appreciate that.","start":711.885,"end":715.77,"sentiment":"positive","sentiment_score":0.5912695939724262}],"sentiment":"positive","sentiment_score":0.45981314712587523,"channel":1,"num_words":17,"start":710.125,"end":715.77},{"sentences":[{"text":"That's okay at all.","start":716.405,"end":717.205,"sentiment":"positive","sentiment_score":0.402268186211586},{"text":"I'll get stuck into it.","start":717.205,"end":718.16504,"sentiment":"neutral","sentiment_score":0.25106885433197024},{"text":"And in a couple of weeks, I'll get Michelle to book you in.","start":718.16504,"end":720.825,"sentiment":"neutral","sentiment_score":0.27350630783117735},{"text":"Make sure you can tick off and you're happy with the plan, and then we","start":721.125,"end":723.765,"sentiment":"positive","sentiment_score":0.41195214092731475}],"sentiment":"positive","sentiment_score":0.34052111168165466,"channel":0,"num_words":37,"start":716.405,"end":723.765},{"sentences":[{"text":"Yep.","start":723.67,"end":724.17,"sentiment":"neutral","sentiment_score":0.10797610133886336}],"sentiment":"neutral","sentiment_score":0.10797610133886336,"channel":1,"num_words":1,"start":723.67,"end":724.17},{"sentences":[{"text":"can go ahead and switch everything around.","start":723.765,"end":725.52295,"sentiment":"neutral","sentiment_score":0.16268307077033178}],"sentiment":"neutral","sentiment_score":0.16268307077033178,"channel":0,"num_words":7,"start":723.765,"end":725.52295},{"sentences":[{"text":"Okay.","start":726.08295,"end":726.32294,"sentiment":"positive","sentiment_score":0.3808724284172058},{"text":"Thank you so much, Tom.","start":726.32294,"end":727.78296,"sentiment":"positive","sentiment_score":0.8401595950126648}],"sentiment":"positive","sentiment_score":0.7636117339134216,"channel":1,"num_words":6,"start":726.08295,"end":727.78296},{"sentences":[{"text":"Amazing.","start":728.16296,"end":728.5629,"sentiment":"positive","sentiment_score":0.8913605213165283},{"text":"Have a great week.","start":728.5629,"end":729.54297,"sentiment":"positive","sentiment_score":0.8340554088354111}],"sentiment":"positive","sentiment_score":0.8455164313316346,"channel":0,"num_words":5,"start":728.16296,"end":729.54297},{"sentences":[{"text":"You have a good one.","start":729.60297,"end":730.64294,"sentiment":"positive","sentiment_score":0.7589991688728333},{"text":"Bye.","start":730.64294,"end":731.14294,"sentiment":"positive","sentiment_score":0.41807228326797485}],"sentiment":"positive","sentiment_score":0.7021780212720236,"channel":1,"num_words":6,"start":729.60297,"end":731.14294},{"sentences":[{"text":"Thank you.","start":731.44293,"end":732.08295,"sentiment":"positive","sentiment_score":0.7044895887374878},{"text":"Bye.","start":732.08295,"end":732.58295,"sentiment":"neutral","sentiment_score":-0.10568354278802872}],"sentiment":"positive","sentiment_score":0.43443187822898227,"channel":0,"num_words":3,"start":731.44293,"end":732.58295}]},"summary":{"result":"success","short":"Representatives from Oakview Financial speak with customers named Janine and provide advice on reducing risk levels and maintaining their retirement goals. They emphasize the importance of updating retirement goals and maintaining a balance risk profile in balance. The representatives also discuss updating customers' Yodle-impacted accounts and estate planning, providing service guides and fee structures, and scheduling a review review for future bookings."},"intents":{"segments":[{"text":"Do you still have a bit Yep. of time?","start_word":57,"end_word":65,"intents":[{"intent":"Inquire about yep","confidence_score":0.0013249856}]},{"text":"So, Jenny, what I wanna do is just a quick recap on the plan, sort of short, medium, long term. Yep.","start_word":147,"end_word":167,"intents":[{"intent":"Recap plan","confidence_score":0.028400937}]},{"text":"So let me know if all of this sounds correct. You guys are essentially staying in your current residence until you hit age 67, and then you guys are Hopefully. gonna move back into the family home in Tamworth. Is that the plan?","start_word":192,"end_word":234,"intents":[{"intent":"Confirm plan","confidence_score":0.19186248}]},{"text":"So retire at 67 still? Yep.","start_word":241,"end_word":246,"intents":[{"intent":"Confirm retirement age","confidence_score":0.09482878}]},{"text":"So retire at 67 still? Yep. Amazing. Unless something unfortunately happens. Fair enough. Fair enough. So outside of that, we are just trying to sort of finish off those last couple of years of growth out of the super. Campervan will obviously help with the retirement side of things, and you've already finished renovations and things like that. Yep.","start_word":241,"end_word":299,"intents":[{"intent":"Provide retirement assistance","confidence_score":0.050554104}]},{"text":"I do need to quickly ask you just around risk levels because you're currently in a balanced risk profile, which is like Alright. a medium, like a three out of five. Yep.","start_word":608,"end_word":639,"intents":[{"intent":"Reduce risk level","confidence_score":0.015891925},{"intent":"Maintain balance risk profile","confidence_score":0.019481536}]},{"text":"And the worst case scenario is you might have to delay retirement by twelve months if the stock market Yep. explodes. Okay.","start_word":739,"end_word":760,"intents":[{"intent":"Delay retirement","confidence_score":0.29107994}]},{"text":"So the last couple of questions I've got then is just in terms of estate planning side of things. I have your partner listed as beneficiary for the super, Yep. and I'll need to carry that across to the pension account as well if you're still comfortable. Yep. It does say here that estate planning wise, you do have a will in place that you might need to update at some I do need to update it. Definitely.","start_word":1274,"end_word":1351,"intents":[{"intent":"Update estate planning","confidence_score":0.26244727}]},{"text":"The question I had beside that one was, do you remember putting in place a power of attorney at all?","start_word":1360,"end_word":1379,"intents":[{"intent":"Update power of attorney","confidence_score":0.6791827}]},{"text":"I think Michelle updated all these details with you Yep. for the vehicles and the bank account and everything.","start_word":1458,"end_word":1476,"intents":[{"intent":"Update details","confidence_score":0.39181378}]},{"text":"So no other loans or anything outside Not of just the mortgage not to finish off? not just the mortgage. Awesome. And I'm assuming that's part of it too. Just finish that off the next couple of years.","start_word":1479,"end_word":1516,"intents":[{"intent":"Finish off debt","confidence_score":0.07540068}]},{"text":"have a summary of all the super and the insurance because we've got the life insurance on there still with Real, Yeah.","start_word":1626,"end_word":1647,"intents":[{"intent":"Educate about insurance coverage coverage","confidence_score":0.000044326447}]},{"text":"And the only other thing too is that we've updated our service guides Yep. and also our fee structure with Oakview. Yep.","start_word":1894,"end_word":1915,"intents":[{"intent":"Update service guides","confidence_score":0.48648572}]},{"text":"would like to send you through the annual review pack with an updated service consent form just with the discounted fee structure as well.","start_word":1929,"end_word":1952,"intents":[{"intent":"Send annual review pack","confidence_score":0.883246}]},{"text":"So I'll pop that through, and I've got your email address is mariej@pm. Is that Marie the right t one j for you?","start_word":1998,"end_word":2020,"intents":[{"intent":"Send email address","confidence_score":0.010846908}]},{"text":"our new Odoo sign system? I'm not a 100% sure. K.","start_word":2045,"end_word":2055,"intents":[{"intent":"Use odoo sign system","confidence_score":0.4321373}]},{"text":"I'm not a 100% sure. K.","start_word":2050,"end_word":2055,"intents":[{"intent":"Suggest clarification","confidence_score":0.0000033366207}]},{"text":"up all the documents to scroll through. Once you get to the bottom, it'll ask you to stamp on some signatures and also gives you a button to skip next documents for the ones that don't require a signature, like our Yep. service guide, some charts, and things like that. And then at the very end, it'll have a validate button. Easy done.","start_word":2080,"end_word":2142,"intents":[{"intent":"Check documents","confidence_score":0.0034737522}]}]},"sentiments":{"segments":[{"text":"Hello? Good morning, Janine. It's Tommy here from Oakview Financial. How are you doing today? Yeah. I should've probably answered with Janine. Sorry, Janine. How are you? That's alright.","start_word":0,"end_word":28,"sentiment":"neutral","sentiment_score":0.11999502778053284},{"text":"Good. Thank you.","start_word":29,"end_word":31,"sentiment":"positive","sentiment_score":0.5492252707481384},{"text":"I'm just giving you a call. I had a message here from Michelle about some withdrawals from Super and just finishing off an annual review. Do you still have a bit Yep. of time? Yep. Perfect. So I've got all your information open. I'll just do a quick security check with you, and then I'll dive into Yep. Not a problem. it with you. Is that alright? Amazing. So I just need your date of Tenth eleventh birth and '19 address '61, for and security. it's Cajon Mhmm. Park Court in New South Wales 2843. Sensational. And I registered with Aspica's adviser 1273105. Are you okay Yep. for the call to be recorded? Yes. Perfect. So, Jenny, what I wanna do is just a quick recap on the plan, sort of short, medium, long term. Yep. I did have a message here that you're looking to withdraw around about 10,000 from super for a camper van. Yes. Perfect. Perfect. Perfect. So let me know if all of this sounds correct. You guys are essentially staying in your current residence until you hit age 67, and then you guys are Hopefully. gonna move back into the family home in Tamworth. Is that the plan? That that's the plan. Yes. Perfect. So retire at 67 still? Yep. Amazing. Unless something unfortunately happens. Fair enough. Fair enough. So outside of that, we are just trying to sort of finish off those last couple of years of growth out of the super. Campervan will obviously help with the retirement side of things, and you've already finished renovations and things like that. Yep.","start_word":32,"end_word":299,"sentiment":"neutral","sentiment_score":0.08587367087602615},{"text":"All done. Perfect.","start_word":300,"end_word":302,"sentiment":"positive","sentiment_score":0.6364709138870239},{"text":"When it comes to the withdrawal, you're Mhmm. 65 in November. Yep. Still working at the moment? Yep. I do about, say, an average of twenty six to twenty eight hours a Yep. And are you already aware of how a transition to retirement pension works to access a super? week. Nope. Nope. So Nope. while you're still working, you can have access to up to 10% per year Yep. of the super balance, which is more than enough for this withdrawal. Yep. And what we basically need to do is we need to get your super account or the majority of it converted over into a transition pension. Okay. It's just an account type that allows you to make withdrawals, and Alright. your existing super account can still receive the contributions. Okay. So what I'm basically going to do is just in preparation for any other strategies we do the next few years is I'm gonna move I'll put together a document for you with this strategy so you know what we're doing. But I basically Yep. need to move about 200,000 across into a transition pension account, link it up with your super so it's all with the one provider, and then Yep. I can set a five percent one off withdrawal, which will be the 10,000. Yep. And Yep. then Okay. today, you'll still have access to another 5% if you need to, but that'll be for that purpose. Yep. Okay. At the same time, there was a couple of things that we were looking to do with some of your investments. They're all been doing quite well, but there's just one there that's a bit underperforming. So at the same time, I thought I might just freshen up your portfolio at the same Cool. time. Sound alright? Yep.","start_word":303,"end_word":604,"sentiment":"neutral","sentiment_score":0.07789438217878342},{"text":"Sounds perfect.","start_word":605,"end_word":606,"sentiment":"positive","sentiment_score":0.5708050727844238},{"text":"I do need to quickly ask you just around risk levels because you're currently in a balanced risk profile, which is like Alright. a medium, like a three out of five. Yep. Yep. Normally, it's a it's a fifty fifty combination of growth and security because you've got about 70% of your money between sixty and seventy in shares, property, gold, all those kind of growth assets. Yep. Normally, I would recommend that for about if you have a investment time frame of about five years or above just because Yep. there is a little bit of volatility with that one. But the two options are basically, we can reduce the risk level down a little bit, but that'll get you a lower return, or we keep the balance risk profile going.","start_word":607,"end_word":738,"sentiment":"neutral","sentiment_score":0.09402435272932053},{"text":"And the worst case scenario is you might have to delay retirement by twelve months if the stock market Yep. explodes.","start_word":739,"end_word":759,"sentiment":"negative","sentiment_score":-0.4077655375003814},{"text":"Okay. Well, I guess this is where I say to you, I know absolutely nothing about this side of everything. Yep. No. That's And fair. I I guess that's why I've got you guys on that end to try and advise me in the best. I I look at nothing in the market for anything to do with anything. I don't even watch the news anymore. So I'm I'm Fair really enough. sorry. I I I don't look at that outside area of my life. So I need to take it on you guys' advice. I know that's probably not what you what you want to hear, but I have no idea whatsoever. No. That's perfect. Yep. So when I take into account risk, I need to basically try and get you to a retirement Yep. goal with the least risk necessary. Now what that basically means is if you retire today, your super could produce about 270 to $500 a week worth of Yep. income after tax. Yep. Now in terms of an amount, generally speaking, the government recommends that you have at least maybe a thousand dollars a week total if you add in pensions and Yep. because age pension kicks in at 67, so that'll top you up another few 100 as well.","start_word":760,"end_word":975,"sentiment":"neutral","sentiment_score":-0.01660390839808517},{"text":"So you're a little bit off of that retirement Yep. goal depending on your partner's situation.","start_word":976,"end_word":991,"sentiment":"negative","sentiment_score":-0.3735997676849365},{"text":"So Yep. if Yep. we're still in growth mode, I probably need to keep it in balance just for a little while longer just to get a little bit more growth out of it. Yep. Yep. That's fair enough. Yep. K. Just bear in mind that the only thing that we have to worry about is if we have a, you know, global financial Yep. crisis or another COVID. That's the scenario that causes delays. Any other normal fluctuations, we can deal with over a few years pretty easily. Yep. Okay. Cool. Yep. Just a couple of things just to kind of cap off. So I've got the goals there. We've got the idea with the super. I need to put all of this into a statement of advice to you to get you into that new account, freshen up Yep. the investments, and get the withdrawals going. So it will take me a couple of weeks. I just That's wanted alright. to ask you how urgent the purchase was.","start_word":992,"end_word":1161,"sentiment":"neutral","sentiment_score":-0.016192084178328514},{"text":"No. No. It's not it's not urgent.","start_word":1162,"end_word":1168,"sentiment":"negative","sentiment_score":-0.359982430934906},{"text":"We're just sort of still looking at different ones that are popping up advertised. We're just looking. We don't wanna just Mhmm. go in and buy the first one we look at. Fair. Yeah. We'll have you look at one on the weekend, and you can't make so we just need to do this. So I said, no.","start_word":1169,"end_word":1226,"sentiment":"neutral","sentiment_score":-0.24881134927272797},{"text":"Don't you bring me home something that we're gonna have to do this work too?","start_word":1227,"end_word":1241,"sentiment":"negative","sentiment_score":-0.43809446692466736},{"text":"I said, I want something to come home that it's what we need. We don't have to work on it.","start_word":1242,"end_word":1261,"sentiment":"neutral","sentiment_score":0.11774981766939165},{"text":"So Yep. It's so ready to go from the outset. yes. Perfect.","start_word":1262,"end_word":1273,"sentiment":"positive","sentiment_score":0.5846497416496277},{"text":"So the last couple of questions I've got then is just in terms of estate planning side of things. I have your partner listed as beneficiary for the super, Yep. and I'll need to carry that across to the pension account as well if you're still comfortable. Yep. It does say here that estate planning wise, you do have a will in place that you might need to update at some I do need to update it. Definitely. point. I need to get that done. Fair. The question I had beside that one was, do you remember putting in place a power of attorney at all? That would have been this is going back years. It would have been my sister Yep. and one of my husband's brothers. Okay. So that would probably be in place. Yes. I would say say yes.","start_word":1274,"end_word":1415,"sentiment":"neutral","sentiment_score":0.0589708499610424},{"text":"Beautiful.","start_word":1416,"end_word":1416,"sentiment":"positive","sentiment_score":0.4548866152763366},{"text":"And you guys have never gone through a bankruptcy or a part No. nine debt agreement before? No. No. Perfect. As far as assets and liabilities go, we've got the the home that's currently rented out, the amount owing on that. I think Michelle updated all these details with you Yep. for the vehicles and the bank account and everything. Yep. Perfect. So no other loans or anything outside Not of just the mortgage not to finish off? not just the mortgage.","start_word":1417,"end_word":1498,"sentiment":"neutral","sentiment_score":0.01574086584150791},{"text":"Awesome.","start_word":1499,"end_word":1499,"sentiment":"positive","sentiment_score":0.3765578269958496},{"text":"And I'm assuming that's part of it too. Just finish that off the next couple of years. Yes. Hopefully, yes.","start_word":1500,"end_word":1519,"sentiment":"neutral","sentiment_score":0.23252861201763153},{"text":"Awesome.","start_word":1520,"end_word":1520,"sentiment":"positive","sentiment_score":0.4959142804145813},{"text":"So debt free with a camper van, bit of super, bit of age pension, and you're off to the races. Oh, well, I don't know about the races, but let's go have a bit of look look around Australia.","start_word":1521,"end_word":1559,"sentiment":"neutral","sentiment_score":0.22609545290470123},{"text":"Sounds good to me.","start_word":1560,"end_word":1563,"sentiment":"positive","sentiment_score":0.46303948760032654},{"text":"Is there anything else I need to factor in here? Anything else you guys are working on? No.","start_word":1564,"end_word":1581,"sentiment":"neutral","sentiment_score":0.04468170636230045},{"text":"No. Not at this stage.","start_word":1582,"end_word":1586,"sentiment":"negative","sentiment_score":-0.3863857388496399},{"text":"Yeah. Not Perfect. So I'll get stuck into it. not at What all. I will do is just because of your annual review being due, I'm gonna send this pack out to you this morning, which will just Yep. have a summary of all the super and the insurance because we've got the life insurance on there still with Real, Yeah. which I'm assuming you're just keeping that for as long as you can. I I I I guess I think it's more like I had a quick glance at it, and from what I understand, it's more or less an accident insurance. And Right. and and I know this sounds horrible when I say this, but with me traveling to work, I'm on a country road. I'm 25 kilometers from town. A lot of trucks, a lot of wildlife. Yeah. So I'm hoping that my health is quite well at the moment.","start_word":1587,"end_word":1739,"sentiment":"neutral","sentiment_score":-0.033603083342313766},{"text":"And, sadly, if it was an accident, I would say it would be more or less one that would happen on that road.","start_word":1740,"end_word":1762,"sentiment":"negative","sentiment_score":-0.3953891396522522},{"text":"Yeah. Yeah. I know that That'll sounds be terrible, the one. but I've I've always looked at that the travel to my work and back Yep.","start_word":1763,"end_word":1788,"sentiment":"neutral","sentiment_score":-0.19594253599643707},{"text":"that besides my health going severely something unexpected, that would be my my problem.","start_word":1789,"end_word":1802,"sentiment":"negative","sentiment_score":-0.3946984112262726},{"text":"Yeah. Yeah. No. I mean, it's I guess, it's a bit of an obvious one for you, isn't it? Because you've already considered what could happen in your life, and that's the one that presents Yes. the most dangers. So if you wanna protect for that, Yes.","start_word":1803,"end_word":1849,"sentiment":"neutral","sentiment_score":-0.1052350401878357},{"text":"makes perfect sense to me.","start_word":1850,"end_word":1854,"sentiment":"positive","sentiment_score":0.34731823205947876},{"text":"Yeah. And I I travel home from work two nights a week at night, so it's yeah. Absolutely. So 268,000 worth of cover, $379.05 per year worth of premiums, keeping that one in place at the moment. Yep. And the only other thing too is that we've updated our service guides Yep. and also our fee structure with Oakview. Yep. Now we've added discounts for clients above 200,000, which you are. So I Mhmm. would like to send you through the annual review pack with an updated service consent form just with the discounted fee structure as well. Yep. Okay. So it goes from 1.65% down to 1.37 above 200,000. And if we ever get you up above 500,000, there's a further reduction as well.","start_word":1855,"end_word":1979,"sentiment":"neutral","sentiment_score":0.14049158370494844},{"text":"That's that's very hopeful, but thank you. I always remain hopeful, Janine, but we do our best.","start_word":1980,"end_word":1996,"sentiment":"positive","sentiment_score":0.4735846519470215},{"text":"Yep. So I'll pop that through, and I've got your email address is mariej@pm. Is that Marie the right t one j for you? marietj@pm.me. P m dot me. That's the one. Yep. I will pop Yep. that through to you now. Have you Thank ever used you. our new Odoo sign system? I'm not a 100% sure. K. It's basically exactly the same as DocuSign. There's a Yep. an email that comes through with a purple sign here button. It'll open Yep. up all the documents to scroll through. Once you get to the bottom, it'll ask you to stamp on some signatures and also gives you a button to skip next documents for the ones that don't require a signature, like our Yep. service guide, some charts, and things like that. And then at the very end, it'll have a validate button.","start_word":1997,"end_word":2140,"sentiment":"neutral","sentiment_score":0.0823364108800888},{"text":"Easy done.","start_word":2141,"end_word":2142,"sentiment":"positive","sentiment_score":0.4024240672588349},{"text":"And Easy Yep. Okay. Not a problem. done. Any questions for me? No. None at all.","start_word":2143,"end_word":2158,"sentiment":"neutral","sentiment_score":0.1566191017627716},{"text":"And I appreciate the the callback, and I I really do appreciate that. That's okay at all.","start_word":2159,"end_word":2175,"sentiment":"positive","sentiment_score":0.5363246202468872},{"text":"I'll get stuck into it. And in a couple of weeks, I'll get Michelle to book you in.","start_word":2176,"end_word":2193,"sentiment":"neutral","sentiment_score":0.27537331978480023},{"text":"Make sure you can tick off and you're happy with the plan, and then we Yep.","start_word":2194,"end_word":2209,"sentiment":"positive","sentiment_score":0.37232378125190735},{"text":"can go ahead and switch everything around.","start_word":2210,"end_word":2216,"sentiment":"neutral","sentiment_score":0.16256245970726013},{"text":"Okay. Thank you so much, Tom. Amazing. Have a great week. You have a good one. Bye. Thank you. Bye.","start_word":2217,"end_word":2236,"sentiment":"positive","sentiment_score":0.6995940208435059}],"average":{"sentiment":"neutral","sentiment_score":0.05058837890625}}}}