{"metadata":{"transaction_key":"deprecated","request_id":"019f88d0-9a0d-7d01-8c18-f894b2c83866","sha256":"3841d0d5515c6211f234832cdd14e7434b27a68ab24ac7d3b7c3a87df2d4293b","created":"2026-07-22T07:53:26.587Z","duration":1221.9839,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":5404,"output_tokens":93},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":6033,"output_tokens":6045},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":6033,"output_tokens":611}},"results":{"channels":[{"alternatives":[{"transcript":"Good evening, Grant. Tommy here from Oakview, mate. How you been? I'm living the dream. It's freezing and wet on the Gold Coast. What about your end? It's pleasant. We'll go with pleasant and clear. Fantastic. Good to hear, mate. Absolutely. Now I've got a bit of an annual review pack I'm gonna email through to you. Do you mind if I just quickly go through security check with you? Sensational. So I'm registered with Asik as adviser one two seven three one zero five. Could you please confirm your date of birth and address? Sensational. Thank you for that, Grant. Now one thing I wanted to go through with you today was we went through a bit of an update to your strategy in March together. And so what I've basically put together is how's everything been going since we implemented it and just to talk through any other changes in your circumstance and if there's any other strategies we need to look at today as well. Now in particular, is there anything that you would be hoping to get out of this conversation that you would like to focus on as well? Yeah. Absolutely. Okay. Would you like us to do a bit of, like, a password reset for your login? Would that help? Yeah. That's alright. I'll get Caden to help reset the Netwealth login. Any drama with that, just let him know, and he can help you through it and liaise with them on your behalf as well. Sensational. I will do a little bit of an update of your details. I know it's only been a few months, but just to make sure it's all accurate on the new system there as well. And will you be able to look onto the emails with me today, or should I just walk you through what I've sent? Yeah. No. That's totally fine. Alright. Now good news is everything has been going really well since we implemented the advice. So I just wanted to, first of all, thank you for engaging with me in that updated strategy. And we went through that, and things have been really picking up pretty well since that that was put in place. Before I go through the figures with you, I just wanna double check a few things. So in terms of circumstances, so we've got married with two children, one moved out, one still at home. We've got address, email. In terms of email, let's just have a look. The Outlook is still okay. Perfect. Store manager on about 100,000 for income and employment. And just I'm checking that still with Reece Plumbing. Correct? Yeah. Fantastic. Assets and liabilities. So the home we had I'll do a bit of an updated valuation here, but you were only owing about 270,000 at the time. Has that changed quite a lot? Or yep. No worries. I'm just gonna grab this updated evaluation. I think we had it at $8.50 at the time, and I know the market's jumped up this year pretty well. Yeah. So I'm still seeing around about the $8.50 mark online, if that's okay. Perfect. Two cars, and we had about 35,000 in savings. Yep. Yeah. Absolutely. So I did have that down as one of the goals for the vehicle restoration. You were putting a bit of cash flow into that. Fantastic. So we'll have that as a current goal. Brilliant. And with the the value of that leftover car, what would the resale be just off the top of your head? The one that you've currently got. Yep. Alrighty. Work vehicle as well. And the savings, 35,000. Has that gone up or down? A 100 thousand. Amazing. That is fantastic. Alright. Now we've put in place so I was having a look at the the network server. So when we did that advice strategy, it was bouncing between about 228 to $230,000. Since then, it's jumped up to $2.47. So you've had $8 of contributions go in. You had your premiums for the insurances come out, and then another 15,000 of growth on top of that. So it's bounced back a solid six and a half percent in just a few months. So I did also send you an asset breakdown with every single investment option and what each one has been doing. Now the main thing I wanted to kind of point out here is I've gone through all of them before this call just to make sure what I've put in place is doing its thing. Gold's taken a bit of a drop since its peak at Christmas. That's fair enough. It goes up a 160%. Can't expect it to go up 300%. So that's fair enough. The Bennelong option that we replaced, that was down about 26%. Now your Australian shares are back up to par. They've kind of gone back up into the neutral territory, so that's good. International shares, all great. I think there was a global tech companies was down a little bit, but your health care has jumped up. Your battery tech and lithium's jumped up. Cybersecurity's jumped up. Your American shares have jumped up, and your fixed interest safe options have jumped up as well. So I don't have any concerns on my end from any of the options. They're kind of behaving now as I would have wanted them to previously and in line with what the market's doing as well. Cool. The salary sacrifice has gone in as well. The first one came through last month for the 400, so that's gonna start picking things up as well a little bit quicker. Quick thing I wanted to ask you just in terms of the super. So risk level. So we've got a little bit of time ahead of us still. Again, ten years until you can access the super. Age pension's in seventeen years, so we still got a bit of time to get some growth out of it. And then I always mention, like I did previously, we're gonna reduce the risk at some point. So you're in growth at the moment. You're in that four out of five. You've got 80% give or take in your growth assets. You're not in high risk. As you get closer to retirement, those last seven years, we're gonna slowly reduce it down to 70, 60, 50, 40, and that's kind of you're in pension. Yeah. So if you're retiring at 67, we'd probably start it at 60 or just before. If we're retiring earlier, we'll start it in the late fifties. Cool. So for now, it's still gonna be aiming for that nine to 10 percent or above, and it's gonna be bouncing up and down 10 to 20% a year. K? So risk level is all good. With the contributions and the portfolio you've got, that's looking very, very strong. In terms of the retirement goal, I think you should be pretty well fine. Now definitely would be. It just depends on competing priorities. So any money you put into super gets locked away until 60 or above when you can access it again. So you don't wanna pile everything in there, and then you're still trying to, you know, do the car up and finish off the mortgage and things like that. Exactly. Right. So what we basically do is smash out the mortgage first, then we can up the contributions. When you hit 60, we can do a a transition strategy where you can access up to 10% of your super, and we call it a recontribution. Well, we basically pull a chunk out and put it back in again for a tax deduction. And the difference between your 37% or your 32% and the 15, well, that just goes in as cream on top to boost up the super without impacting your pay. So the aim of the game is just get good growth out of it, get good contributions in, pay off the mortgage at 60. We'll do a transition strategy. And then when you've got enough, you can hang up the boots, and we can put you in pension phase. And then we get to say, bon voyage. Go on your holiday. Enjoy your life. Here's your monthly pension payment coming out. Send us some photos back, and we'll hang them up in the office. Absolutely. Still spring chickens, but I'm imagining you're getting to a point where you're like, I don't wanna keep doing this for another thirty. Absolutely. Yeah. And one thing that we can do is when you're in the sixties is if you're going really well in the balance, we can use that transition, pull out a bit of your super, and you can just go part time. I've got a lot of clients there that go down to three days a week and supplement it with a bit of super and still have enough to retire on after '65, '67. Sensational. Yeah. Yeah. Absolutely. The thing I've got to keep an eye on your premiums for the insurances. I did speak to you last time about the anniversary that was coming out. So that's come out just after we did that advice document couple of weeks later. Just bear in mind that after the tax rebate, it's still $4.5, so it's it's getting up there. When you get your next anniversary around January, February, it will probably jump up again, and it wouldn't surprise me if it was $66,500 at that point. So just to quickly cap what you yeah. Correct. So a million dollars worth of life and TPD cover to cover the mortgage, give you leftover for the family, and then you've got your income protection as well for that 6,200 a month. Just bear in mind, waiting period for the income protection is thirteen weeks. Benefit period is five years. If anything happens to you, give us a buzz, and we'll help you do the claims advice and and get the claims going for you. Touch wood, it doesn't happen. But that 13 wait has really kept a lid on the premiums as well. Because if we had it down as a full week, it probably will be another fifteen 100 on top. So one thing yeah. I I wanna pencil in for a catch up before the next anniversary just to say, okay. This is what it's jumping up like. If you've piled even more savings in and paid down the mortgage, I can look at maybe either trimming it down or shopping around. We did have a conversation about, like, the CT scans and everything if that rings a bell. So, yeah, so since that's all gone pretty well, I think that lines up being able to shop around a bit better. And if that's looking good, I will always do, like, a reduction with the current provider, and then I'll just go through the software and quote with everybody and see if someone offers a better deal as well. Cool. But at this point, you're happy to just kinda let that run until the next anniversary? Okay. Can do. Estate planning wise, let me just quickly double check. I'm assuming did you get a a will in place in the last three months? I can't imagine it was your biggest priority, but Cool. Well, here's your No. There is some information that I I tend to give. Like, I we're not lawyers, so we can't draft them up. But outside of lawyers, you've got the public trustee of the state, you know, the courthouse. They do appointments. You can get, like, will kits from the Australia Post that are government approved for $25 a pop and the power of attorney kit as well. Look, they're not the best, but they're government approved. And if it's basic, it may Yeah. Exactly. So if you're doing it yourself, you're getting, you know, JPs and witnesses and everything to sign off on it. But it's just kind of, like, easy if it's basic because it's pretty straightforward. But, yeah, it's not as good. Beneficiaries. Yeah. Absolutely. I have noticed that yes. Everyone's gonna be that two factor authentication's a bit it can be quite painful. I've gotta log in to four different systems when I get into work of the day. But it is yeah. It's one of those ones where it's like you got your password. Good. It pings you a message to your phone or an authenticator app, and they can be a bit fiddly. But I'll I'll try and get that reset for you as well. I've heard that a lot the last couple of weeks. Oh, yeah. Yeah. It can do. And, look, it is one of those things where once you figure out how those work, it kind of it's not too bad, but the first time is is just so confusing. You download an app. You scan a QR code. It starts giving you a code that counts down for thirty seconds. You've got to input it before it runs out of time. It's not the most fun thing, but they've got to do it these days. Yeah. Especially what happened the last couple of years with Optus and a few others. So I'll get Caitlin to help out with that. And it may even be a thing of, like, we'll reset it. But even if you want to I don't know. Even if we would do, like, a phone call where we walk you through it at the time, And whatever troubleshooting you need, we we'll be able to help you out because, again, most of the people in the office, we're all millennials. We're we're used to these authenticator apps at work. So if we can help, we definitely will. Last thing is Melissa is listed as your beneficiary for the super. So I'm assuming we're just leaving that as is for the time being. Sensational. So quick recap. Portfolio is going well. Contributions have started to roll in. Focus on the mortgage and the car. We will touch base on the policy before the next anniversary, try and get those premiums down. We'll focus on some contribution advice later on. If there's anything that goes alright in the markets, we may need to update your portfolio again, but so far so good. Sixty plus will transition you to either part time or do a recontribution strategy, and then hopefully all good by '65, '67. Alrighty. Any questions for me at this point? Perfect. So you did sign the ongoing service agreement with us, so that's been applied. We still have access to your Netwealth, look after things. I'm just gonna have a quick look, make sure that's Yeah. That's right. It's all it's just the perfect. No. It's all perfect. It's been applied. It runs through until roundabout June 2027 in terms of your consent for us. That's all good. Normally, let's say we don't reach you in June. They still have, like, a hundred and twenty, hundred and fifty days before they sort of kick us off the account kind of thing. So we'll always get in touch with you beforehand and and do that review. Yep. But I wanna speak to you beforehand because, again, March is when the next anniversary is. So in the New Year, I definitely wanna touch base possibly in six months' time in in January, February. And as soon as I've got that anniversary notice, I can walk you through it. Amazing. Anything else I can do for you before I let you go? Alright, mate. So far so good. As long as the world stops blowing up in the background, we'll be fine, but we're doing our best. Yeah. Absolutely. Like, when we hit December and there was a peak in every asset, everyone was at a huge high. And then as soon as Christmas happened, we went away, closed the office up, and then the market just started tanking till the end of March. And when I had that conversation with you in March, that was the bottom where it already dropped, like, 10%. And so we got the new investments in in time, which was good. And so when the markets bounced back, really strong bounce back. So back up to where it should be. It was about six weeks. So decently quick. Yeah. From from the bottom six weeks to get back up, which was pretty good. Worst case scenario, so I don't know if you remember the GFC back in 08/00/2009. So we had that big financial crisis wiped out half the stock market, took five years to get back up. So yeah. So but rest rest assured, like, when we factor in the advice, I actually assume that one of those events will happen once every decade anyway, And we still have to get people to their retirement goals mixing in that there's gonna be an explosion every decade and still get that average over the ten years. Yeah. So, basically, if your account jumps up 20% a year for five years, that's amazing. It'll crash about a third and then bounce back up again for another five years. We don't want that cycle to be happening again, like, a month before you retire. So we repeat that to grow it. But then when you're hitting that late fifties, that's why I was saying we reduce your exposure to the stock market. Cool. Alright, Grant. Thank you so much for your time today, and, may I will pencil in to reach out to you in the new year? Awesome. Have a great week. 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evening, Grant. Tommy here from Oakview, mate. How you been? I'm living the dream. It's freezing and wet on the Gold Coast.\n\nWhat about your end? It's pleasant. We'll go with pleasant and clear. Fantastic. Good to hear, mate.\n\nAbsolutely. Now I've got a bit of an annual review pack I'm gonna email through to you. Do you mind if I just quickly go through security check with you? Sensational. So I'm registered with Asik as adviser one two seven three one zero five.\n\nCould you please confirm your date of birth and address? Sensational. Thank you for that, Grant. Now one thing I wanted to go through with you today was we went through a bit of an update to your strategy in March together. And so what I've basically put together is how's everything been going since we implemented it and just to talk through any other changes in your circumstance and if there's any other strategies we need to look at today as well.\n\nNow in particular, is there anything that you would be hoping to get out of this conversation that you would like to focus on as well? Yeah. Absolutely. Okay. Would you like us to do a bit of, like, a password reset for your login?\n\nWould that help? Yeah. That's alright. I'll get Caden to help reset the Netwealth login. Any drama with that, just let him know, and he can help you through it and liaise with them on your behalf as well.\n\nSensational. I will do a little bit of an update of your details. I know it's only been a few months, but just to make sure it's all accurate on the new system there as well. And will you be able to look onto the emails with me today, or should I just walk you through what I've sent? Yeah.\n\nNo. That's totally fine. Alright. Now good news is everything has been going really well since we implemented the advice. So I just wanted to, first of all, thank you for engaging with me in that updated strategy.\n\nAnd we went through that, and things have been really picking up pretty well since that that was put in place. Before I go through the figures with you, I just wanna double check a few things. So in terms of circumstances, so we've got married with two children, one moved out, one still at home. We've got address, email. In terms of email, let's just have a look.\n\nThe Outlook is still okay. Perfect. Store manager on about 100,000 for income and employment. And just I'm checking that still with Reece Plumbing. Correct?\n\nYeah. Fantastic. Assets and liabilities. So the home we had I'll do a bit of an updated valuation here, but you were only owing about 270,000 at the time. Has that changed quite a lot?\n\nOr yep. No worries. I'm just gonna grab this updated evaluation. I think we had it at $8.50 at the time, and I know the market's jumped up this year pretty well. Yeah.\n\nSo I'm still seeing around about the $8.50 mark online, if that's okay. Perfect. Two cars, and we had about 35,000 in savings. Yep. Yeah.\n\nAbsolutely. So I did have that down as one of the goals for the vehicle restoration. You were putting a bit of cash flow into that. Fantastic. So we'll have that as a current goal.\n\nBrilliant. And with the the value of that leftover car, what would the resale be just off the top of your head? The one that you've currently got. Yep. Alrighty.\n\nWork vehicle as well. And the savings, 35,000. Has that gone up or down? A 100 thousand. Amazing.\n\nThat is fantastic. Alright. Now we've put in place so I was having a look at the the network server. So when we did that advice strategy, it was bouncing between about 228 to $230,000. Since then, it's jumped up to $2.47.\n\nSo you've had $8 of contributions go in. You had your premiums for the insurances come out, and then another 15,000 of growth on top of that. So it's bounced back a solid six and a half percent in just a few months. So I did also send you an asset breakdown with every single investment option and what each one has been doing. Now the main thing I wanted to kind of point out here is I've gone through all of them before this call just to make sure what I've put in place is doing its thing.\n\nGold's taken a bit of a drop since its peak at Christmas. That's fair enough. It goes up a 160%. Can't expect it to go up 300%. So that's fair enough.\n\nThe Bennelong option that we replaced, that was down about 26%. Now your Australian shares are back up to par. They've kind of gone back up into the neutral territory, so that's good. International shares, all great. I think there was a global tech companies was down a little bit, but your health care has jumped up.\n\nYour battery tech and lithium's jumped up. Cybersecurity's jumped up. Your American shares have jumped up, and your fixed interest safe options have jumped up as well. So I don't have any concerns on my end from any of the options. They're kind of behaving now as I would have wanted them to previously and in line with what the market's doing as well.\n\nCool. The salary sacrifice has gone in as well. The first one came through last month for the 400, so that's gonna start picking things up as well a little bit quicker. Quick thing I wanted to ask you just in terms of the super. So risk level.\n\nSo we've got a little bit of time ahead of us still. Again, ten years until you can access the super. Age pension's in seventeen years, so we still got a bit of time to get some growth out of it. And then I always mention, like I did previously, we're gonna reduce the risk at some point. So you're in growth at the moment.\n\nYou're in that four out of five. You've got 80% give or take in your growth assets. You're not in high risk. As you get closer to retirement, those last seven years, we're gonna slowly reduce it down to 70, 60, 50, 40, and that's kind of you're in pension. Yeah.\n\nSo if you're retiring at 67, we'd probably start it at 60 or just before. If we're retiring earlier, we'll start it in the late fifties. Cool. So for now, it's still gonna be aiming for that nine to 10 percent or above, and it's gonna be bouncing up and down 10 to 20% a year. K?\n\nSo risk level is all good. With the contributions and the portfolio you've got, that's looking very, very strong. In terms of the retirement goal, I think you should be pretty well fine. Now definitely would be. It just depends on competing priorities.\n\nSo any money you put into super gets locked away until 60 or above when you can access it again. So you don't wanna pile everything in there, and then you're still trying to, you know, do the car up and finish off the mortgage and things like that. Exactly. Right. So what we basically do is smash out the mortgage first, then we can up the contributions.\n\nWhen you hit 60, we can do a a transition strategy where you can access up to 10% of your super, and we call it a recontribution. Well, we basically pull a chunk out and put it back in again for a tax deduction. And the difference between your 37% or your 32% and the 15, well, that just goes in as cream on top to boost up the super without impacting your pay. So the aim of the game is just get good growth out of it, get good contributions in, pay off the mortgage at 60. We'll do a transition strategy.\n\nAnd then when you've got enough, you can hang up the boots, and we can put you in pension phase. And then we get to say, bon voyage. Go on your holiday. Enjoy your life. Here's your monthly pension payment coming out.\n\nSend us some photos back, and we'll hang them up in the office. Absolutely. Still spring chickens, but I'm imagining you're getting to a point where you're like, I don't wanna keep doing this for another thirty. Absolutely. Yeah.\n\nAnd one thing that we can do is when you're in the sixties is if you're going really well in the balance, we can use that transition, pull out a bit of your super, and you can just go part time. I've got a lot of clients there that go down to three days a week and supplement it with a bit of super and still have enough to retire on after '65, '67. Sensational. Yeah. Yeah.\n\nAbsolutely. The thing I've got to keep an eye on your premiums for the insurances. I did speak to you last time about the anniversary that was coming out. So that's come out just after we did that advice document couple of weeks later. Just bear in mind that after the tax rebate, it's still $4.5, so it's it's getting up there.\n\nWhen you get your next anniversary around January, February, it will probably jump up again, and it wouldn't surprise me if it was $66,500 at that point. So just to quickly cap what you yeah. Correct. So a million dollars worth of life and TPD cover to cover the mortgage, give you leftover for the family, and then you've got your income protection as well for that 6,200 a month. Just bear in mind, waiting period for the income protection is thirteen weeks.\n\nBenefit period is five years. If anything happens to you, give us a buzz, and we'll help you do the claims advice and and get the claims going for you. Touch wood, it doesn't happen. But that 13 wait has really kept a lid on the premiums as well. Because if we had it down as a full week, it probably will be another fifteen 100 on top.\n\nSo one thing yeah. I I wanna pencil in for a catch up before the next anniversary just to say, okay. This is what it's jumping up like. If you've piled even more savings in and paid down the mortgage, I can look at maybe either trimming it down or shopping around. We did have a conversation about, like, the CT scans and everything if that rings a bell.\n\nSo, yeah, so since that's all gone pretty well, I think that lines up being able to shop around a bit better. And if that's looking good, I will always do, like, a reduction with the current provider, and then I'll just go through the software and quote with everybody and see if someone offers a better deal as well. Cool. But at this point, you're happy to just kinda let that run until the next anniversary? Okay.\n\nCan do. Estate planning wise, let me just quickly double check. I'm assuming did you get a a will in place in the last three months? I can't imagine it was your biggest priority, but Cool. Well, here's your No.\n\nThere is some information that I I tend to give. Like, I we're not lawyers, so we can't draft them up. But outside of lawyers, you've got the public trustee of the state, you know, the courthouse. They do appointments. You can get, like, will kits from the Australia Post that are government approved for $25 a pop and the power of attorney kit as well.\n\nLook, they're not the best, but they're government approved. And if it's basic, it may Yeah. Exactly. So if you're doing it yourself, you're getting, you know, JPs and witnesses and everything to sign off on it. But it's just kind of, like, easy if it's basic because it's pretty straightforward.\n\nBut, yeah, it's not as good. Beneficiaries. Yeah. Absolutely. I have noticed that yes.\n\nEveryone's gonna be that two factor authentication's a bit it can be quite painful. I've gotta log in to four different systems when I get into work of the day. But it is yeah. It's one of those ones where it's like you got your password. Good.\n\nIt pings you a message to your phone or an authenticator app, and they can be a bit fiddly. But I'll I'll try and get that reset for you as well. I've heard that a lot the last couple of weeks. Oh, yeah. Yeah.\n\nIt can do. And, look, it is one of those things where once you figure out how those work, it kind of it's not too bad, but the first time is is just so confusing. You download an app. You scan a QR code. It starts giving you a code that counts down for thirty seconds.\n\nYou've got to input it before it runs out of time. It's not the most fun thing, but they've got to do it these days. Yeah. Especially what happened the last couple of years with Optus and a few others. So I'll get Caitlin to help out with that.\n\nAnd it may even be a thing of, like, we'll reset it. But even if you want to I don't know. Even if we would do, like, a phone call where we walk you through it at the time, And whatever troubleshooting you need, we we'll be able to help you out because, again, most of the people in the office, we're all millennials. We're we're used to these authenticator apps at work. So if we can help, we definitely will.\n\nLast thing is Melissa is listed as your beneficiary for the super. So I'm assuming we're just leaving that as is for the time being. Sensational. So quick recap. Portfolio is going well.\n\nContributions have started to roll in. Focus on the mortgage and the car. We will touch base on the policy before the next anniversary, try and get those premiums down. We'll focus on some contribution advice later on. If there's anything that goes alright in the markets, we may need to update your portfolio again, but so far so good.\n\nSixty plus will transition you to either part time or do a recontribution strategy, and then hopefully all good by '65, '67. Alrighty. Any questions for me at this point? Perfect. So you did sign the ongoing service agreement with us, so that's been applied.\n\nWe still have access to your Netwealth, look after things. I'm just gonna have a quick look, make sure that's Yeah. That's right. It's all it's just the perfect. No.\n\nIt's all perfect. It's been applied. It runs through until roundabout June 2027 in terms of your consent for us. That's all good. Normally, let's say we don't reach you in June.\n\nThey still have, like, a hundred and twenty, hundred and fifty days before they sort of kick us off the account kind of thing. So we'll always get in touch with you beforehand and and do that review. Yep. But I wanna speak to you beforehand because, again, March is when the next anniversary is. So in the New Year, I definitely wanna touch base possibly in six months' time in in January, February.\n\nAnd as soon as I've got that anniversary notice, I can walk you through it. Amazing. Anything else I can do for you before I let you go? Alright, mate. So far so good.\n\nAs long as the world stops blowing up in the background, we'll be fine, but we're doing our best. Yeah. Absolutely. Like, when we hit December and there was a peak in every asset, everyone was at a huge high. And then as soon as Christmas happened, we went away, closed the office up, and then the market just started tanking till the end of March.\n\nAnd when I had that conversation with you in March, that was the bottom where it already dropped, like, 10%. And so we got the new investments in in time, which was good. And so when the markets bounced back, really strong bounce back. So back up to where it should be. It was about six weeks.\n\nSo decently quick. Yeah. From from the bottom six weeks to get back up, which was pretty good. Worst case scenario, so I don't know if you remember the GFC back in 08/00/2009. So we had that big financial crisis wiped out half the stock market, took five years to get back up.\n\nSo yeah. So but rest rest assured, like, when we factor in the advice, I actually assume that one of those events will happen once every decade anyway, And we still have to get people to their retirement goals mixing in that there's gonna be an explosion every decade and still get that average over the ten years. Yeah. So, basically, if your account jumps up 20% a year for five years, that's amazing. It'll crash about a third and then bounce back up again for another five years.\n\nWe don't want that cycle to be happening again, like, a month before you retire. So we repeat that to grow it. But then when you're hitting that late fifties, that's why I was saying we reduce your exposure to the stock market. Cool. Alright, Grant.\n\nThank you so much for your time today, and, may I will pencil in to reach out to you in the new year? Awesome. Have a great week. Cheers.","paragraphs":[{"sentences":[{"text":"Good evening, Grant.","start":2.72,"end":4.0,"sentiment":"positive","sentiment_score":0.3541622559229533},{"text":"Tommy here from Oakview, mate.","start":4.0,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.2653209060430527},{"text":"How you been?","start":5.3599997,"end":6.18,"sentiment":"neutral","sentiment_score":0.18670772512753805},{"text":"I'm living the dream.","start":8.48,"end":9.44,"sentiment":"neutral","sentiment_score":0.29825297370553017},{"text":"It's freezing and wet on the Gold Coast.","start":9.44,"end":11.04,"sentiment":"neutral","sentiment_score":-0.049122212221845984}],"sentiment":"neutral","sentiment_score":0.16301081175713436,"num_words":23,"start":2.72,"end":11.04},{"sentences":[{"text":"What about your end?","start":11.04,"end":12.015,"sentiment":"neutral","sentiment_score":-0.011459768982604146},{"text":"It's pleasant.","start":16.735,"end":17.555,"sentiment":"positive","sentiment_score":0.3971855044364929},{"text":"We'll go with pleasant and clear.","start":18.015,"end":19.475,"sentiment":"positive","sentiment_score":0.35304485261440277},{"text":"Fantastic.","start":19.535,"end":20.035,"sentiment":"positive","sentiment_score":0.6946545243263245},{"text":"Good to hear, mate.","start":21.455,"end":22.595001,"sentiment":"neutral","sentiment_score":0.2486225739121437}],"sentiment":"neutral","sentiment_score":0.26799681580022855,"num_words":17,"start":11.04,"end":22.595001},{"sentences":[{"text":"Absolutely.","start":27.150002,"end":27.650002,"sentiment":"neutral","sentiment_score":0.23761796951293945},{"text":"Now I've got a bit of an annual review pack I'm gonna email through to you.","start":28.11,"end":32.45,"sentiment":"neutral","sentiment_score":0.16318419482558966},{"text":"Do you mind if I just quickly go through security check with you?","start":32.59,"end":36.045,"sentiment":"neutral","sentiment_score":0.0572993431526881},{"text":"Sensational.","start":37.964996,"end":38.464996,"sentiment":"neutral","sentiment_score":0.18634186685085297},{"text":"So I'm registered with Asik as adviser one two seven three one zero five.","start":39.004997,"end":43.105,"sentiment":"neutral","sentiment_score":0.06554191479725498}],"sentiment":"neutral","sentiment_score":0.10438633826043871,"num_words":45,"start":27.150002,"end":43.105},{"sentences":[{"text":"Could you please confirm your date of birth and address?","start":43.164997,"end":45.824997,"sentiment":"neutral","sentiment_score":0.043263031356036666},{"text":"Sensational.","start":53.260002,"end":53.760002,"sentiment":"neutral","sentiment_score":0.1326193809509277},{"text":"Thank you for that, Grant.","start":54.06,"end":55.260002,"sentiment":"positive","sentiment_score":0.5554879546165467},{"text":"Now one thing I wanted to go through with you today was we went through a bit of an update to your strategy in March together.","start":55.260002,"end":62.32,"sentiment":"neutral","sentiment_score":0.1447708191206822},{"text":"And so what I've basically put together is how's everything been going since we implemented it and just to talk through any other changes in your circumstance and if there's any other strategies we need to look at today as well.","start":62.525,"end":74.7,"sentiment":"neutral","sentiment_score":0.1002062758112826}],"sentiment":"neutral","sentiment_score":0.13512274786740183,"num_words":83,"start":43.164997,"end":74.7},{"sentences":[{"text":"Now in particular, is there anything that you would be hoping to get out of this conversation that you would like to focus on as well?","start":76.299995,"end":83.28,"sentiment":"neutral","sentiment_score":0.06848982728731173},{"text":"Yeah.","start":88.155,"end":88.55499,"sentiment":"neutral","sentiment_score":-0.1012771874666214},{"text":"Absolutely.","start":88.55499,"end":89.05499,"sentiment":"neutral","sentiment_score":-0.181852787733078},{"text":"Okay.","start":95.435,"end":95.835,"sentiment":"neutral","sentiment_score":-0.05878186225891113},{"text":"Would you like us to do a bit of, like, a password reset for your login?","start":95.835,"end":99.674995,"sentiment":"neutral","sentiment_score":-0.009627901017665863}],"sentiment":"neutral","sentiment_score":0.02855060568286313,"num_words":45,"start":76.299995,"end":99.674995},{"sentences":[{"text":"Would that help?","start":99.674995,"end":100.47,"sentiment":"neutral","sentiment_score":0.0256089698523283},{"text":"Yeah.","start":102.15,"end":102.65,"sentiment":"neutral","sentiment_score":-0.020116455852985386},{"text":"That's alright.","start":105.43,"end":106.25,"sentiment":"neutral","sentiment_score":0.02725345641374588},{"text":"I'll get Caden to help reset the Netwealth login.","start":106.31,"end":110.89,"sentiment":"neutral","sentiment_score":0.08234522533085611},{"text":"Any drama with that, just let him know, and he can help you through it and liaise with them on your behalf as well.","start":112.15,"end":119.565,"sentiment":"neutral","sentiment_score":0.14071150729432702}],"sentiment":"neutral","sentiment_score":0.1084461684505909,"num_words":39,"start":99.674995,"end":119.565},{"sentences":[{"text":"Sensational.","start":119.565,"end":120.065,"sentiment":"neutral","sentiment_score":0.2692798972129822},{"text":"I will do a little bit of an update of your details.","start":120.604996,"end":123.104996,"sentiment":"neutral","sentiment_score":0.12687180005013943},{"text":"I know it's only been a few months, but just to make sure it's all accurate on the new system there as well.","start":123.245,"end":128.52,"sentiment":"neutral","sentiment_score":0.11532202816527823},{"text":"And will you be able to look onto the emails with me today, or should I just walk you through what I've sent?","start":128.68001,"end":133.34,"sentiment":"neutral","sentiment_score":0.08377302114082419},{"text":"Yeah.","start":138.44,"end":138.76001,"sentiment":"neutral","sentiment_score":-0.004892703145742416}],"sentiment":"neutral","sentiment_score":0.10610058214515447,"num_words":60,"start":119.565,"end":138.76001},{"sentences":[{"text":"No.","start":138.76001,"end":139.0,"sentiment":"neutral","sentiment_score":-0.11214294284582138},{"text":"That's totally fine.","start":139.0,"end":140.22,"sentiment":"neutral","sentiment_score":0.01957518607378006},{"text":"Alright.","start":141.24,"end":141.74,"sentiment":"neutral","sentiment_score":0.3099784255027771},{"text":"Now good news is everything has been going really well since we implemented the advice.","start":141.8,"end":145.92499,"sentiment":"positive","sentiment_score":0.6824779987335206},{"text":"So I just wanted to, first of all, thank you for engaging with me in that updated strategy.","start":145.92499,"end":150.50499,"sentiment":"positive","sentiment_score":0.6547653310828738}],"sentiment":"positive","sentiment_score":0.5863028152992851,"num_words":38,"start":138.76001,"end":150.50499},{"sentences":[{"text":"And we went through that, and things have been really picking up pretty well since that that was put in place.","start":150.885,"end":157.16,"sentiment":"positive","sentiment_score":0.40182677408059436},{"text":"Before I go through the figures with you, I just wanna double check a few things.","start":157.45999,"end":161.16,"sentiment":"neutral","sentiment_score":0.03283113369252533},{"text":"So in terms of circumstances, so we've got married with two children, one moved out, one still at home.","start":161.45999,"end":170.92,"sentiment":"neutral","sentiment_score":0.03435735571149148},{"text":"We've got address, email.","start":172.445,"end":174.30501,"sentiment":"neutral","sentiment_score":0.04245437867939472},{"text":"In terms of email, let's just have a look.","start":175.005,"end":177.005,"sentiment":"neutral","sentiment_score":0.047496649333172374}],"sentiment":"neutral","sentiment_score":0.14802518133343995,"num_words":69,"start":150.885,"end":177.005},{"sentences":[{"text":"The Outlook is still okay.","start":177.005,"end":178.38501,"sentiment":"neutral","sentiment_score":0.09261880218982696},{"text":"Perfect.","start":180.605,"end":181.105,"sentiment":"neutral","sentiment_score":0.3012222647666931},{"text":"Store manager on about 100,000 for income and employment.","start":182.845,"end":186.465,"sentiment":"neutral","sentiment_score":0.1399455393354098},{"text":"And just I'm checking that still with Reece Plumbing.","start":188.09,"end":190.25,"sentiment":"neutral","sentiment_score":0.04514317214488983},{"text":"Correct?","start":190.25,"end":190.75,"sentiment":"neutral","sentiment_score":0.06968776881694794}],"sentiment":"neutral","sentiment_score":0.0999920979142189,"num_words":25,"start":177.005,"end":190.75},{"sentences":[{"text":"Yeah.","start":191.77,"end":192.25,"sentiment":"neutral","sentiment_score":0.16799715161323547},{"text":"Fantastic.","start":192.25,"end":192.75,"sentiment":"positive","sentiment_score":0.3875558078289032},{"text":"Assets and liabilities.","start":193.45,"end":194.51,"sentiment":"neutral","sentiment_score":0.16134693721930185},{"text":"So the home we had I'll do a bit of an updated valuation here, but you were only owing about 270,000 at the time.","start":194.81,"end":202.83499,"sentiment":"neutral","sentiment_score":-0.006542025172772507},{"text":"Has that changed quite a lot?","start":202.83499,"end":204.515,"sentiment":"neutral","sentiment_score":-0.0476508109519879}],"sentiment":"neutral","sentiment_score":0.01704800860690219,"num_words":35,"start":191.77,"end":204.515},{"sentences":[{"text":"Or yep.","start":204.515,"end":210.115,"sentiment":"neutral","sentiment_score":-0.06802010536193848},{"text":"No worries.","start":210.115,"end":210.855,"sentiment":"neutral","sentiment_score":-0.04417062737047672},{"text":"I'm just gonna grab this updated evaluation.","start":211.33,"end":214.29,"sentiment":"neutral","sentiment_score":0.1050359457731247},{"text":"I think we had it at $8.50 at the time, and I know the market's jumped up this year pretty well.","start":214.29,"end":219.75,"sentiment":"neutral","sentiment_score":0.23176720915805726},{"text":"Yeah.","start":221.73,"end":221.97,"sentiment":"neutral","sentiment_score":0.1398945152759552}],"sentiment":"neutral","sentiment_score":0.16720836553158183,"num_words":33,"start":204.515,"end":221.97},{"sentences":[{"text":"So I'm still seeing around about the $8.50 mark online, if that's okay.","start":221.97,"end":226.39,"sentiment":"neutral","sentiment_score":0.1357066361949994},{"text":"Perfect.","start":227.445,"end":227.945,"sentiment":"positive","sentiment_score":0.5398639440536499},{"text":"Two cars, and we had about 35,000 in savings.","start":228.485,"end":231.705,"sentiment":"neutral","sentiment_score":0.18833518193827736},{"text":"Yep.","start":239.06,"end":239.56,"sentiment":"neutral","sentiment_score":0.009946059435606005},{"text":"Yeah.","start":250.1,"end":250.42,"sentiment":"neutral","sentiment_score":0.1115650087594986}],"sentiment":"neutral","sentiment_score":0.16482311680912973,"num_words":25,"start":221.97,"end":250.42},{"sentences":[{"text":"Absolutely.","start":250.42,"end":250.92,"sentiment":"neutral","sentiment_score":0.21558761596679688},{"text":"So I did have that down as one of the goals for the vehicle restoration.","start":251.22,"end":255.21501,"sentiment":"neutral","sentiment_score":0.23246558705965678},{"text":"You were putting a bit of cash flow into that.","start":255.27501,"end":257.45502,"sentiment":"neutral","sentiment_score":0.2402029186487198},{"text":"Fantastic.","start":259.355,"end":259.855,"sentiment":"positive","sentiment_score":0.669745922088623},{"text":"So we'll have that as a current goal.","start":259.915,"end":261.515,"sentiment":"positive","sentiment_score":0.5442659892141819}],"sentiment":"neutral","sentiment_score":0.31795641269002645,"num_words":35,"start":250.42,"end":261.515},{"sentences":[{"text":"Brilliant.","start":261.515,"end":262.015,"sentiment":"positive","sentiment_score":0.5205286741256714},{"text":"And with the the value of that leftover car, what would the resale be just off the top of your head?","start":262.39502,"end":267.78,"sentiment":"neutral","sentiment_score":0.08362205592649323},{"text":"The one that you've currently got.","start":271.78,"end":273.4,"sentiment":"neutral","sentiment_score":-0.018187811442961294},{"text":"Yep.","start":277.7,"end":278.2,"sentiment":"neutral","sentiment_score":0.05162161588668823},{"text":"Alrighty.","start":278.34,"end":278.84,"sentiment":"neutral","sentiment_score":0.08433946967124939}],"sentiment":"neutral","sentiment_score":0.07678086884940664,"num_words":30,"start":261.515,"end":278.84},{"sentences":[{"text":"Work vehicle as well.","start":279.13998,"end":280.485,"sentiment":"neutral","sentiment_score":0.06568723917007446},{"text":"And the savings, 35,000.","start":280.805,"end":282.965,"sentiment":"neutral","sentiment_score":0.020356224849820137},{"text":"Has that gone up or down?","start":282.965,"end":284.34497,"sentiment":"neutral","sentiment_score":-0.009449759187797705},{"text":"A 100 thousand.","start":288.085,"end":288.985,"sentiment":"neutral","sentiment_score":-0.11325200150410335},{"text":"Amazing.","start":290.645,"end":291.145,"sentiment":"neutral","sentiment_score":0.3268405795097351}],"sentiment":"neutral","sentiment_score":0.015253326441678736,"num_words":18,"start":279.13998,"end":291.145},{"sentences":[{"text":"That is fantastic.","start":291.60498,"end":292.66498,"sentiment":"positive","sentiment_score":0.44953126708666485},{"text":"Alright.","start":294.65,"end":295.15,"sentiment":"neutral","sentiment_score":0.17401015758514404},{"text":"Now we've put in place so I was having a look at the the network server.","start":296.01,"end":299.77002,"sentiment":"neutral","sentiment_score":0.09138128580525517},{"text":"So when we did that advice strategy, it was bouncing between about 228 to $230,000.","start":299.77002,"end":306.11002,"sentiment":"neutral","sentiment_score":0.05569378112753232},{"text":"Since then, it's jumped up to $2.47.","start":307.095,"end":309.35498,"sentiment":"neutral","sentiment_score":0.15464246273040771}],"sentiment":"neutral","sentiment_score":0.11672877351797763,"num_words":42,"start":291.60498,"end":309.35498},{"sentences":[{"text":"So you've had $8 of contributions go in.","start":309.735,"end":313.815,"sentiment":"neutral","sentiment_score":0.21873805299401283},{"text":"You had your premiums for the insurances come out, and then another 15,000 of growth on top of that.","start":313.815,"end":320.29498,"sentiment":"neutral","sentiment_score":0.23664965676633934},{"text":"So it's bounced back a solid six and a half percent in just a few months.","start":320.29498,"end":324.33,"sentiment":"neutral","sentiment_score":0.29278281424194574},{"text":"So I did also send you an asset breakdown with every single investment option and what each one has been doing.","start":326.06998,"end":333.84998,"sentiment":"neutral","sentiment_score":0.08308419940017518},{"text":"Now the main thing I wanted to kind of point out here is I've gone through all of them before this call just to make sure what I've put in place is doing its thing.","start":334.15,"end":342.695,"sentiment":"neutral","sentiment_score":0.05323959658188479}],"sentiment":"neutral","sentiment_score":0.14685784846619523,"num_words":99,"start":309.735,"end":342.695},{"sentences":[{"text":"Gold's taken a bit of a drop since its peak at Christmas.","start":343.315,"end":346.515,"sentiment":"neutral","sentiment_score":-0.23477575120826563},{"text":"That's fair enough.","start":346.515,"end":347.49,"sentiment":"neutral","sentiment_score":-0.055190550784269966},{"text":"It goes up a 160%.","start":347.49,"end":349.09,"sentiment":"neutral","sentiment_score":0.2326992779970169},{"text":"Can't expect it to go up 300%.","start":349.09,"end":351.11,"sentiment":"neutral","sentiment_score":-0.016243468837014267},{"text":"So that's fair enough.","start":351.56998,"end":352.62997,"sentiment":"neutral","sentiment_score":0.10806231200695038}],"sentiment":"neutral","sentiment_score":-0.04841417131284552,"num_words":31,"start":343.315,"end":352.62997},{"sentences":[{"text":"The Bennelong option that we replaced, that was down about 26%.","start":352.77,"end":356.84998,"sentiment":"neutral","sentiment_score":-0.07061378691684116},{"text":"Now your Australian shares are back up to par.","start":356.84998,"end":359.34998,"sentiment":"positive","sentiment_score":0.35990507569577956},{"text":"They've kind of gone back up into the neutral territory, so that's good.","start":359.495,"end":362.715,"sentiment":"positive","sentiment_score":0.41284156991885257},{"text":"International shares, all great.","start":364.05502,"end":365.755,"sentiment":"positive","sentiment_score":0.4738839417695999},{"text":"I think there was a global tech companies was down a little bit, but your health care has jumped up.","start":366.295,"end":371.255,"sentiment":"neutral","sentiment_score":0.21160859428346157}],"sentiment":"neutral","sentiment_score":0.2448603874889382,"num_words":57,"start":352.77,"end":371.255},{"sentences":[{"text":"Your battery tech and lithium's jumped up.","start":371.255,"end":373.74002,"sentiment":"positive","sentiment_score":0.33686816692352295},{"text":"Cybersecurity's jumped up.","start":373.74002,"end":375.18,"sentiment":"positive","sentiment_score":0.3638343811035156},{"text":"Your American shares have jumped up, and your fixed interest safe options have jumped up as well.","start":375.18,"end":380.64,"sentiment":"positive","sentiment_score":0.4762250816120821},{"text":"So I don't have any concerns on my end from any of the options.","start":380.94,"end":385.635,"sentiment":"neutral","sentiment_score":0.15033788021121705},{"text":"They're kind of behaving now as I would have wanted them to previously and in line with what the market's doing as well.","start":385.855,"end":392.515,"sentiment":"neutral","sentiment_score":0.3146841940672501}],"sentiment":"neutral","sentiment_score":0.32637302321381867,"num_words":64,"start":371.255,"end":392.515},{"sentences":[{"text":"Cool.","start":394.095,"end":394.595,"sentiment":"positive","sentiment_score":0.366023302078247},{"text":"The salary sacrifice has gone in as well.","start":395.05502,"end":397.29,"sentiment":"neutral","sentiment_score":0.1270074788480997},{"text":"The first one came through last month for the 400, so that's gonna start picking things up as well a little bit quicker.","start":397.53,"end":404.11002,"sentiment":"neutral","sentiment_score":0.10076814954695494},{"text":"Quick thing I wanted to ask you just in terms of the super.","start":406.17,"end":408.57,"sentiment":"neutral","sentiment_score":0.0005419837454190621},{"text":"So risk level.","start":408.57,"end":410.76498,"sentiment":"neutral","sentiment_score":-0.06374328459302585}],"sentiment":"neutral","sentiment_score":0.07324096890321623,"num_words":48,"start":394.095,"end":410.76498},{"sentences":[{"text":"So we've got a little bit of time ahead of us still.","start":411.145,"end":414.425,"sentiment":"neutral","sentiment_score":-0.07723953699072202},{"text":"Again, ten years until you can access the super.","start":414.425,"end":417.32498,"sentiment":"neutral","sentiment_score":-0.019762729811999533},{"text":"Age pension's in seventeen years, so we still got a bit of time to get some growth out of it.","start":417.465,"end":421.32,"sentiment":"neutral","sentiment_score":0.010746236937120558},{"text":"And then I always mention, like I did previously, we're gonna reduce the risk at some point.","start":421.80002,"end":427.34,"sentiment":"neutral","sentiment_score":0.06620167699806831},{"text":"So you're in growth at the moment.","start":428.44,"end":430.44,"sentiment":"neutral","sentiment_score":0.13787494067634856}],"sentiment":"neutral","sentiment_score":0.01847290492688234,"num_words":65,"start":411.145,"end":430.44},{"sentences":[{"text":"You're in that four out of five.","start":430.44,"end":431.98,"sentiment":"neutral","sentiment_score":0.09961698896118573},{"text":"You've got 80% give or take in your growth assets.","start":432.36002,"end":436.465,"sentiment":"neutral","sentiment_score":0.22734060734510422},{"text":"You're not in high risk.","start":436.685,"end":437.985,"sentiment":"neutral","sentiment_score":-0.1451801635324955},{"text":"As you get closer to retirement, those last seven years, we're gonna slowly reduce it down to 70, 60, 50, 40, and that's kind of you're in pension.","start":438.28497,"end":447.425,"sentiment":"neutral","sentiment_score":0.020669735835066864},{"text":"Yeah.","start":451.47,"end":451.71,"sentiment":"neutral","sentiment_score":0.030272621661424637}],"sentiment":"neutral","sentiment_score":0.05595783144235611,"num_words":51,"start":430.44,"end":451.71},{"sentences":[{"text":"So if you're retiring at 67, we'd probably start it at 60 or just before.","start":451.71,"end":455.87,"sentiment":"neutral","sentiment_score":0.01654580409328143},{"text":"If we're retiring earlier, we'll start it in the late fifties.","start":455.87,"end":458.77,"sentiment":"neutral","sentiment_score":0.04681838439269499},{"text":"Cool.","start":460.445,"end":460.92502,"sentiment":"positive","sentiment_score":0.4017519950866699},{"text":"So for now, it's still gonna be aiming for that nine to 10 percent or above, and it's gonna be bouncing up and down 10 to 20% a year.","start":460.92502,"end":468.465,"sentiment":"neutral","sentiment_score":0.22335304474008494},{"text":"K?","start":470.685,"end":471.165,"sentiment":"neutral","sentiment_score":0.115663543343544}],"sentiment":"neutral","sentiment_score":0.1361025109756411,"num_words":57,"start":451.71,"end":471.165},{"sentences":[{"text":"So risk level is all good.","start":471.165,"end":472.92,"sentiment":"positive","sentiment_score":0.3944842418034871},{"text":"With the contributions and the portfolio you've got, that's looking very, very strong.","start":473.0,"end":477.58002,"sentiment":"positive","sentiment_score":0.5728000356600835},{"text":"In terms of the retirement goal, I think you should be pretty well fine.","start":478.6,"end":482.62003,"sentiment":"positive","sentiment_score":0.5264263706547874},{"text":"Now definitely would be.","start":483.16,"end":495.01498,"sentiment":"neutral","sentiment_score":0.07867285516113043},{"text":"It just depends on competing priorities.","start":495.01498,"end":497.595,"sentiment":"neutral","sentiment_score":-0.06974366183082263}],"sentiment":"positive","sentiment_score":0.39719778030764225,"num_words":43,"start":471.165,"end":497.595},{"sentences":[{"text":"So any money you put into super gets locked away until 60 or above when you can access it again.","start":498.02,"end":503.06,"sentiment":"neutral","sentiment_score":-0.012890229001641273},{"text":"So you don't wanna pile everything in there, and then you're still trying to, you know, do the car up and finish off the mortgage and things like that.","start":503.06,"end":509.88,"sentiment":"neutral","sentiment_score":-0.07948921200144908},{"text":"Exactly.","start":516.915,"end":517.39496,"sentiment":"neutral","sentiment_score":0.07472418993711472},{"text":"Right.","start":517.39496,"end":517.555,"sentiment":"neutral","sentiment_score":0.11385267227888109},{"text":"So what we basically do is smash out the mortgage first, then we can up the contributions.","start":517.555,"end":522.375,"sentiment":"neutral","sentiment_score":0.11837531209868543}],"sentiment":"neutral","sentiment_score":-0.0053240376497235365,"num_words":68,"start":498.02,"end":522.375},{"sentences":[{"text":"When you hit 60, we can do a a transition strategy where you can access up to 10% of your super, and we call it a recontribution.","start":522.755,"end":531.0,"sentiment":"neutral","sentiment_score":0.1947118500592532},{"text":"Well, we basically pull a chunk out and put it back in again for a tax deduction.","start":531.62,"end":535.31995,"sentiment":"neutral","sentiment_score":0.047142022015417326},{"text":"And the difference between your 37% or your 32% and the 15, well, that just goes in as cream on top to boost up the super without impacting your pay.","start":535.69995,"end":546.30505,"sentiment":"neutral","sentiment_score":0.10422534464548032},{"text":"So the aim of the game is just get good growth out of it, get good contributions in, pay off the mortgage at 60.","start":548.04504,"end":554.22,"sentiment":"neutral","sentiment_score":0.30070678253347677},{"text":"We'll do a transition strategy.","start":554.27997,"end":555.95996,"sentiment":"neutral","sentiment_score":0.3061118423938751}],"sentiment":"neutral","sentiment_score":0.1741059869708656,"num_words":103,"start":522.755,"end":555.95996},{"sentences":[{"text":"And then when you've got enough, you can hang up the boots, and we can put you in pension phase.","start":555.95996,"end":560.22,"sentiment":"neutral","sentiment_score":0.20943614281713963},{"text":"And then we get to say, bon voyage.","start":562.375,"end":564.135,"sentiment":"neutral","sentiment_score":0.2297910526394844},{"text":"Go on your holiday.","start":564.135,"end":565.015,"sentiment":"positive","sentiment_score":0.39026927202939987},{"text":"Enjoy your life.","start":565.015,"end":565.975,"sentiment":"positive","sentiment_score":0.599155863126119},{"text":"Here's your monthly pension payment coming out.","start":565.975,"end":567.975,"sentiment":"neutral","sentiment_score":0.22248035669326782}],"sentiment":"neutral","sentiment_score":0.2605466298049405,"num_words":42,"start":555.95996,"end":567.975},{"sentences":[{"text":"Send us some photos back, and we'll hang them up in the office.","start":567.975,"end":570.555,"sentiment":"neutral","sentiment_score":0.1423004659322592},{"text":"Absolutely.","start":575.27,"end":575.77,"sentiment":"neutral","sentiment_score":-0.027899399399757385},{"text":"Still spring chickens, but I'm imagining you're getting to a point where you're like, I don't wanna keep doing this for another thirty.","start":577.35004,"end":582.25,"sentiment":"neutral","sentiment_score":-0.2459338832160701},{"text":"Absolutely.","start":585.51,"end":586.01,"sentiment":"neutral","sentiment_score":0.1878603398799896},{"text":"Yeah.","start":591.245,"end":591.485,"sentiment":"neutral","sentiment_score":0.012868696823716164}],"sentiment":"neutral","sentiment_score":-0.09317291332169986,"num_words":39,"start":567.975,"end":591.485},{"sentences":[{"text":"And one thing that we can do is when you're in the sixties is if you're going really well in the balance, we can use that transition, pull out a bit of your super, and you can just go part time.","start":591.485,"end":601.95,"sentiment":"neutral","sentiment_score":0.15112884915093097},{"text":"I've got a lot of clients there that go down to three days a week and supplement it with a bit of super and still have enough to retire on after '65, '67.","start":601.95,"end":610.21,"sentiment":"neutral","sentiment_score":0.1214978891340169},{"text":"Sensational.","start":612.67,"end":613.17,"sentiment":"neutral","sentiment_score":0.06384110450744629},{"text":"Yeah.","start":616.715,"end":616.955,"sentiment":"neutral","sentiment_score":-0.02792457491159439},{"text":"Yeah.","start":616.955,"end":617.275,"sentiment":"neutral","sentiment_score":-0.03679737448692322}],"sentiment":"neutral","sentiment_score":0.13253028976259293,"num_words":77,"start":591.485,"end":617.275},{"sentences":[{"text":"Absolutely.","start":617.275,"end":617.775,"sentiment":"neutral","sentiment_score":-0.07853779196739197},{"text":"The thing I've got to keep an eye on your premiums for the insurances.","start":618.555,"end":622.815,"sentiment":"neutral","sentiment_score":-0.10863766127399035},{"text":"I did speak to you last time about the anniversary that was coming out.","start":622.875,"end":626.85,"sentiment":"neutral","sentiment_score":0.06881409564188548},{"text":"So that's come out just after we did that advice document couple of weeks later.","start":628.20996,"end":633.02997,"sentiment":"neutral","sentiment_score":0.0865044300754865},{"text":"Just bear in mind that after the tax rebate, it's still $4.5, so it's it's getting up there.","start":633.41,"end":638.79,"sentiment":"neutral","sentiment_score":0.05636069054404894}],"sentiment":"neutral","sentiment_score":0.02703211564690836,"num_words":62,"start":617.275,"end":638.79},{"sentences":[{"text":"When you get your next anniversary around January, February, it will probably jump up again, and it wouldn't surprise me if it was $66,500 at that point.","start":639.665,"end":649.52496,"sentiment":"neutral","sentiment_score":0.14328569546341896},{"text":"So just to quickly cap what you yeah.","start":651.28,"end":655.04,"sentiment":"neutral","sentiment_score":-0.0027891378849744797},{"text":"Correct.","start":655.04,"end":655.52,"sentiment":"neutral","sentiment_score":0.12398375570774078},{"text":"So a million dollars worth of life and TPD cover to cover the mortgage, give you leftover for the family, and then you've got your income protection as well for that 6,200 a month.","start":655.52,"end":667.015,"sentiment":"neutral","sentiment_score":-0.004147611284518943},{"text":"Just bear in mind, waiting period for the income protection is thirteen weeks.","start":669.715,"end":673.655,"sentiment":"neutral","sentiment_score":0.010538389189885212}],"sentiment":"neutral","sentiment_score":0.047787526577531575,"num_words":83,"start":639.665,"end":673.655},{"sentences":[{"text":"Benefit period is five years.","start":673.955,"end":675.73505,"sentiment":"neutral","sentiment_score":0.017565958201885223},{"text":"If anything happens to you, give us a buzz, and we'll help you do the claims advice and and get the claims going for you.","start":676.35504,"end":683.86,"sentiment":"neutral","sentiment_score":0.04091465935111046},{"text":"Touch wood, it doesn't happen.","start":685.04,"end":686.42,"sentiment":"neutral","sentiment_score":-0.14113082587718964},{"text":"But that 13 wait has really kept a lid on the premiums as well.","start":687.36,"end":692.775,"sentiment":"neutral","sentiment_score":-0.19222438920821464},{"text":"Because if we had it down as a full week, it probably will be another fifteen 100 on top.","start":692.85504,"end":696.875,"sentiment":"neutral","sentiment_score":-0.10131606479224406}],"sentiment":"neutral","sentiment_score":-0.061928007861270624,"num_words":68,"start":673.955,"end":696.875},{"sentences":[{"text":"So one thing yeah.","start":699.255,"end":701.41504,"sentiment":"neutral","sentiment_score":0.12007463164627552},{"text":"I I wanna pencil in for a catch up before the next anniversary just to say, okay.","start":701.41504,"end":705.655,"sentiment":"neutral","sentiment_score":0.04569192406009225},{"text":"This is what it's jumping up like.","start":705.655,"end":707.59503,"sentiment":"neutral","sentiment_score":-0.008564042725733348},{"text":"If you've piled even more savings in and paid down the mortgage, I can look at maybe either trimming it down or shopping around.","start":708.02997,"end":715.32996,"sentiment":"neutral","sentiment_score":0.006572620632747809},{"text":"We did have a conversation about, like, the CT scans and everything if that rings a bell.","start":718.19,"end":723.525,"sentiment":"neutral","sentiment_score":0.04244831401635619}],"sentiment":"neutral","sentiment_score":0.0300938720288484,"num_words":69,"start":699.255,"end":723.525},{"sentences":[{"text":"So, yeah, so since that's all gone pretty well, I think that lines up being able to shop around a bit better.","start":725.445,"end":733.385,"sentiment":"neutral","sentiment_score":0.3309477483853698},{"text":"And if that's looking good, I will always do, like, a reduction with the current provider, and then I'll just go through the software and quote with everybody and see if someone offers a better deal as well.","start":733.525,"end":744.44,"sentiment":"neutral","sentiment_score":0.2168635694604171},{"text":"Cool.","start":746.1,"end":746.5,"sentiment":"neutral","sentiment_score":0.31559550762176514},{"text":"But at this point, you're happy to just kinda let that run until the next anniversary?","start":746.5,"end":749.88,"sentiment":"positive","sentiment_score":0.4054962042719126},{"text":"Okay.","start":751.875,"end":752.375,"sentiment":"neutral","sentiment_score":0.1560480296611786}],"sentiment":"neutral","sentiment_score":0.2882211398667632,"num_words":78,"start":725.445,"end":752.375},{"sentences":[{"text":"Can do.","start":752.515,"end":753.335,"sentiment":"neutral","sentiment_score":0.12825791537761688},{"text":"Estate planning wise, let me just quickly double check.","start":753.955,"end":756.195,"sentiment":"neutral","sentiment_score":0.08689949495924844},{"text":"I'm assuming did you get a a will in place in the last three months?","start":756.195,"end":759.655,"sentiment":"neutral","sentiment_score":0.056137729932864505},{"text":"I can't imagine it was your biggest priority, but Cool.","start":761.635,"end":773.88,"sentiment":"neutral","sentiment_score":-0.035275092162191865},{"text":"Well, here's your No.","start":773.88,"end":776.2,"sentiment":"neutral","sentiment_score":-0.005282853730022907}],"sentiment":"neutral","sentiment_score":0.03766987244598567,"num_words":40,"start":752.515,"end":776.2},{"sentences":[{"text":"There is some information that I I tend to give.","start":776.2,"end":778.28,"sentiment":"neutral","sentiment_score":-0.09421556927263737},{"text":"Like, I we're not lawyers, so we can't draft them up.","start":778.28,"end":780.735,"sentiment":"neutral","sentiment_score":-0.13223130188205026},{"text":"But outside of lawyers, you've got the public trustee of the state, you know, the courthouse.","start":781.77496,"end":786.575,"sentiment":"neutral","sentiment_score":-0.001374103536363691},{"text":"They do appointments.","start":786.575,"end":787.39496,"sentiment":"neutral","sentiment_score":0.033565821746985115},{"text":"You can get, like, will kits from the Australia Post that are government approved for $25 a pop and the power of attorney kit as well.","start":787.77496,"end":795.18,"sentiment":"neutral","sentiment_score":0.05809125748391335}],"sentiment":"neutral","sentiment_score":-0.012236598639212774,"num_words":66,"start":776.2,"end":795.18},{"sentences":[{"text":"Look, they're not the best, but they're government approved.","start":796.3,"end":798.62,"sentiment":"neutral","sentiment_score":-0.13724220875236723},{"text":"And if it's basic, it may Yeah.","start":798.62,"end":813.675,"sentiment":"neutral","sentiment_score":-0.08822803917740073},{"text":"Exactly.","start":813.675,"end":814.155,"sentiment":"neutral","sentiment_score":0.027142204344272617},{"text":"So if you're doing it yourself, you're getting, you know, JPs and witnesses and everything to sign off on it.","start":814.155,"end":818.815,"sentiment":"neutral","sentiment_score":0.03326554037630558},{"text":"But it's just kind of, like, easy if it's basic because it's pretty straightforward.","start":819.435,"end":824.13,"sentiment":"neutral","sentiment_score":0.23177275274481093}],"sentiment":"neutral","sentiment_score":0.0408724587702868,"num_words":51,"start":796.3,"end":824.13},{"sentences":[{"text":"But, yeah, it's not as good.","start":824.43,"end":826.21,"sentiment":"neutral","sentiment_score":0.015159913649161657},{"text":"Beneficiaries.","start":831.95,"end":832.45,"sentiment":"neutral","sentiment_score":0.2856181263923645},{"text":"Yeah.","start":837.165,"end":837.485,"sentiment":"neutral","sentiment_score":0.10086755454540253},{"text":"Absolutely.","start":837.485,"end":837.985,"sentiment":"neutral","sentiment_score":0.0691019594669342},{"text":"I have noticed that yes.","start":845.00494,"end":850.08,"sentiment":"neutral","sentiment_score":-0.10714896395802498}],"sentiment":"neutral","sentiment_score":0.0007715930363961629,"num_words":14,"start":824.43,"end":850.08},{"sentences":[{"text":"Everyone's gonna be that two factor authentication's a bit it can be quite painful.","start":851.82,"end":857.42004,"sentiment":"neutral","sentiment_score":-0.23196302354335785},{"text":"I've gotta log in to four different systems when I get into work of the day.","start":857.42004,"end":861.04004,"sentiment":"neutral","sentiment_score":-0.18105623312294483},{"text":"But it is yeah.","start":862.395,"end":863.275,"sentiment":"neutral","sentiment_score":-0.02962368819862604},{"text":"It's one of those ones where it's like you got your password.","start":863.275,"end":865.35504,"sentiment":"neutral","sentiment_score":-0.04365858187278112},{"text":"Good.","start":865.35504,"end":865.835,"sentiment":"neutral","sentiment_score":0.2480175793170929}],"sentiment":"neutral","sentiment_score":-0.1391226003303173,"num_words":47,"start":851.82,"end":865.835},{"sentences":[{"text":"It pings you a message to your phone or an authenticator app, and they can be a bit fiddly.","start":865.835,"end":871.05505,"sentiment":"neutral","sentiment_score":0.00365720924578215},{"text":"But I'll I'll try and get that reset for you as well.","start":871.275,"end":874.79504,"sentiment":"neutral","sentiment_score":0.039868164186676346},{"text":"I've heard that a lot the last couple of weeks.","start":874.79504,"end":876.815,"sentiment":"neutral","sentiment_score":-0.04760535834357142},{"text":"Oh, yeah.","start":886.07,"end":886.81,"sentiment":"neutral","sentiment_score":-0.00980323925614357},{"text":"Yeah.","start":889.925,"end":890.16504,"sentiment":"neutral","sentiment_score":0.07434119284152985}],"sentiment":"neutral","sentiment_score":0.0028769562909887595,"num_words":44,"start":865.835,"end":890.16504},{"sentences":[{"text":"It can do.","start":890.16504,"end":890.805,"sentiment":"neutral","sentiment_score":0.0935890128215154},{"text":"And, look, it is one of those things where once you figure out how those work, it kind of it's not too bad, but the first time is is just so confusing.","start":890.805,"end":898.505,"sentiment":"neutral","sentiment_score":-0.0530641854275018},{"text":"You download an app.","start":898.805,"end":899.84503,"sentiment":"neutral","sentiment_score":0.007810501847416163},{"text":"You scan a QR code.","start":899.84503,"end":901.125,"sentiment":"neutral","sentiment_score":0.03987731784582138},{"text":"It starts giving you a code that counts down for thirty seconds.","start":901.125,"end":904.21,"sentiment":"neutral","sentiment_score":0.04931217028448979}],"sentiment":"neutral","sentiment_score":-0.010623433128265398,"num_words":56,"start":890.16504,"end":904.21},{"sentences":[{"text":"You've got to input it before it runs out of time.","start":904.21,"end":906.63,"sentiment":"neutral","sentiment_score":0.014107659459114075},{"text":"It's not the most fun thing, but they've got to do it these days.","start":907.65,"end":910.55005,"sentiment":"neutral","sentiment_score":-0.11324069356279713},{"text":"Yeah.","start":919.90497,"end":920.38495,"sentiment":"neutral","sentiment_score":-0.004658970981836319},{"text":"Especially what happened the last couple of years with Optus and a few others.","start":920.38495,"end":924.565,"sentiment":"neutral","sentiment_score":-0.061136583398495405},{"text":"So I'll get Caitlin to help out with that.","start":928.24,"end":930.33997,"sentiment":"neutral","sentiment_score":0.11223232746124268}],"sentiment":"neutral","sentiment_score":-0.0261360336171121,"num_words":49,"start":904.21,"end":930.33997},{"sentences":[{"text":"And it may even be a thing of, like, we'll reset it.","start":930.39996,"end":932.96,"sentiment":"neutral","sentiment_score":0.044531144512196384},{"text":"But even if you want to I don't know.","start":932.96,"end":936.16,"sentiment":"neutral","sentiment_score":-0.017611212821470365},{"text":"Even if we would do, like, a phone call where we walk you through it at the time, And whatever troubleshooting you need, we we'll be able to help you out because, again, most of the people in the office, we're all millennials.","start":936.16,"end":944.975,"sentiment":"neutral","sentiment_score":0.11417739127957544},{"text":"We're we're used to these authenticator apps at work.","start":944.975,"end":947.395,"sentiment":"neutral","sentiment_score":0.0860340909825431},{"text":"So if we can help, we definitely will.","start":947.535,"end":949.795,"sentiment":"neutral","sentiment_score":0.17207889258861542}],"sentiment":"neutral","sentiment_score":0.09180788399168739,"num_words":81,"start":930.39996,"end":949.795},{"sentences":[{"text":"Last thing is Melissa is listed as your beneficiary for the super.","start":952.23,"end":955.85,"sentiment":"neutral","sentiment_score":0.16996250922481218},{"text":"So I'm assuming we're just leaving that as is for the time being.","start":956.31,"end":959.21,"sentiment":"neutral","sentiment_score":0.0761779801776776},{"text":"Sensational.","start":961.11,"end":961.61,"sentiment":"neutral","sentiment_score":0.12680625915527344},{"text":"So quick recap.","start":961.83,"end":963.53,"sentiment":"neutral","sentiment_score":0.13587719202041626},{"text":"Portfolio is going well.","start":963.67,"end":965.19,"sentiment":"neutral","sentiment_score":0.3207555264234543}],"sentiment":"neutral","sentiment_score":0.14688859981569377,"num_words":33,"start":952.23,"end":965.19},{"sentences":[{"text":"Contributions have started to roll in.","start":965.19,"end":967.125,"sentiment":"neutral","sentiment_score":0.19421552618344626},{"text":"Focus on the mortgage and the car.","start":967.365,"end":969.225,"sentiment":"neutral","sentiment_score":0.19325926261288778},{"text":"We will touch base on the policy before the next anniversary, try and get those premiums down.","start":969.525,"end":975.385,"sentiment":"neutral","sentiment_score":0.16859875575584524},{"text":"We'll focus on some contribution advice later on.","start":975.525,"end":978.345,"sentiment":"neutral","sentiment_score":0.13946248963475227},{"text":"If there's anything that goes alright in the markets, we may need to update your portfolio again, but so far so good.","start":978.405,"end":984.95996,"sentiment":"neutral","sentiment_score":0.19904918054288084}],"sentiment":"neutral","sentiment_score":0.18131781220436097,"num_words":60,"start":965.19,"end":984.95996},{"sentences":[{"text":"Sixty plus will transition you to either part time or do a recontribution strategy, and then hopefully all good by '65, '67.","start":986.06,"end":994.155,"sentiment":"neutral","sentiment_score":0.2665295255455104},{"text":"Alrighty.","start":996.075,"end":996.55505,"sentiment":"neutral","sentiment_score":0.2631204128265381},{"text":"Any questions for me at this point?","start":996.55505,"end":998.17505,"sentiment":"neutral","sentiment_score":0.07124077475496701},{"text":"Perfect.","start":1001.99506,"end":1002.49506,"sentiment":"neutral","sentiment_score":0.06401912868022919},{"text":"So you did sign the ongoing service agreement with us, so that's been applied.","start":1002.635,"end":1007.11505,"sentiment":"neutral","sentiment_score":0.0712249507861478}],"sentiment":"neutral","sentiment_score":0.17081386306219631,"num_words":45,"start":986.06,"end":1007.11505},{"sentences":[{"text":"We still have access to your Netwealth, look after things.","start":1007.11505,"end":1010.13,"sentiment":"neutral","sentiment_score":0.07117373123764992},{"text":"I'm just gonna have a quick look, make sure that's Yeah.","start":1010.67,"end":1025.325,"sentiment":"neutral","sentiment_score":0.006154155401004987},{"text":"That's right.","start":1025.325,"end":1026.125,"sentiment":"neutral","sentiment_score":0.009676770656369627},{"text":"It's all it's just the perfect.","start":1026.125,"end":1028.785,"sentiment":"neutral","sentiment_score":0.29398797700802487},{"text":"No.","start":1031.5651,"end":1031.805,"sentiment":"neutral","sentiment_score":-0.035179074853658676}],"sentiment":"neutral","sentiment_score":0.08425117834315946,"num_words":30,"start":1007.11505,"end":1031.805},{"sentences":[{"text":"It's all perfect.","start":1031.805,"end":1032.525,"sentiment":"neutral","sentiment_score":0.17678961157798767},{"text":"It's been applied.","start":1032.525,"end":1033.585,"sentiment":"neutral","sentiment_score":0.11666662245988847},{"text":"It runs through until roundabout June 2027 in terms of your consent for us.","start":1034.76,"end":1041.8,"sentiment":"neutral","sentiment_score":0.009763547851304923},{"text":"That's all good.","start":1041.8,"end":1042.78,"sentiment":"neutral","sentiment_score":0.18361005187034607},{"text":"Normally, let's say we don't reach you in June.","start":1043.0,"end":1045.5801,"sentiment":"neutral","sentiment_score":-0.07009873125288221}],"sentiment":"neutral","sentiment_score":0.02928124832396861,"num_words":32,"start":1031.805,"end":1045.5801},{"sentences":[{"text":"They still have, like, a hundred and twenty, hundred and fifty days before they sort of kick us off the account kind of thing.","start":1045.64,"end":1051.465,"sentiment":"neutral","sentiment_score":-0.11842464314152797},{"text":"So we'll always get in touch with you beforehand and and do that review.","start":1052.325,"end":1055.945,"sentiment":"neutral","sentiment_score":0.06922514497169427},{"text":"Yep.","start":1056.885,"end":1057.385,"sentiment":"neutral","sentiment_score":0.0799684077501297},{"text":"But I wanna speak to you beforehand because, again, March is when the next anniversary is.","start":1057.6849,"end":1062.265,"sentiment":"neutral","sentiment_score":0.04132786765694618},{"text":"So in the New Year, I definitely wanna touch base possibly in six months' time in in January, February.","start":1062.51,"end":1068.43,"sentiment":"neutral","sentiment_score":0.13081637220947365}],"sentiment":"neutral","sentiment_score":0.01829305346551779,"num_words":74,"start":1045.64,"end":1068.43},{"sentences":[{"text":"And as soon as I've got that anniversary notice, I can walk you through it.","start":1068.43,"end":1071.89,"sentiment":"neutral","sentiment_score":0.1064763089021047},{"text":"Amazing.","start":1074.925,"end":1075.405,"sentiment":"positive","sentiment_score":0.5038381218910217},{"text":"Anything else I can do for you before I let you go?","start":1075.405,"end":1077.505,"sentiment":"neutral","sentiment_score":0.25585053985317546},{"text":"Alright, mate.","start":1082.125,"end":1083.025,"sentiment":"neutral","sentiment_score":0.24451053142547607},{"text":"So far so good.","start":1084.285,"end":1085.0851,"sentiment":"positive","sentiment_score":0.3899248316884041}],"sentiment":"neutral","sentiment_score":0.2123502830372137,"num_words":34,"start":1068.43,"end":1085.0851},{"sentences":[{"text":"As long as the world stops blowing up in the background, we'll be fine, but we're doing our best.","start":1085.0851,"end":1089.5851,"sentiment":"neutral","sentiment_score":0.18529122283584193},{"text":"Yeah.","start":1095.48,"end":1095.7999,"sentiment":"neutral","sentiment_score":0.006403305102139711},{"text":"Absolutely.","start":1095.7999,"end":1096.2999,"sentiment":"neutral","sentiment_score":0.2174934148788452},{"text":"Like, when we hit December and there was a peak in every asset, everyone was at a huge high.","start":1096.44,"end":1102.695,"sentiment":"neutral","sentiment_score":0.06276227416176546},{"text":"And then as soon as Christmas happened, we went away, closed the office up, and then the market just started tanking till the end of March.","start":1102.7749,"end":1109.355,"sentiment":"neutral","sentiment_score":-0.21576799280368364}],"sentiment":"neutral","sentiment_score":-0.01019779772667045,"num_words":66,"start":1085.0851,"end":1109.355},{"sentences":[{"text":"And when I had that conversation with you in March, that was the bottom where it already dropped, like, 10%.","start":1109.575,"end":1115.995,"sentiment":"neutral","sentiment_score":-0.1711718004196882},{"text":"And so we got the new investments in in time, which was good.","start":1116.2899,"end":1120.13,"sentiment":"neutral","sentiment_score":0.33318402159672517},{"text":"And so when the markets bounced back, really strong bounce back.","start":1120.13,"end":1123.83,"sentiment":"neutral","sentiment_score":0.17654001170938666},{"text":"So back up to where it should be.","start":1123.89,"end":1126.71,"sentiment":"neutral","sentiment_score":0.2742499113082886},{"text":"It was about six weeks.","start":1132.705,"end":1134.565,"sentiment":"neutral","sentiment_score":-0.018634071573615074}],"sentiment":"neutral","sentiment_score":0.08685483041693244,"num_words":57,"start":1109.575,"end":1134.565},{"sentences":[{"text":"So decently quick.","start":1136.225,"end":1138.085,"sentiment":"neutral","sentiment_score":0.1338825263082981},{"text":"Yeah.","start":1138.225,"end":1138.5449,"sentiment":"neutral","sentiment_score":0.1252031773328781},{"text":"From from the bottom six weeks to get back up, which was pretty good.","start":1138.5449,"end":1141.9249,"sentiment":"neutral","sentiment_score":0.07966308029634613},{"text":"Worst case scenario, so I don't know if you remember the GFC back in 08/00/2009.","start":1142.8301,"end":1147.49,"sentiment":"neutral","sentiment_score":-0.20922206242879232},{"text":"So we had that big financial crisis wiped out half the stock market, took five years to get back up.","start":1150.1901,"end":1155.285,"sentiment":"neutral","sentiment_score":-0.31126148626208305}],"sentiment":"neutral","sentiment_score":-0.14568729775975336,"num_words":53,"start":1136.225,"end":1155.285},{"sentences":[{"text":"So yeah.","start":1156.885,"end":1159.2051,"sentiment":"neutral","sentiment_score":-0.033091478049755096},{"text":"So but rest rest assured, like, when we factor in the advice, I actually assume that one of those events will happen once every decade anyway, And we still have to get people to their retirement goals mixing in that there's gonna be an explosion every decade and still get that average over the ten years.","start":1159.2051,"end":1177.1901,"sentiment":"neutral","sentiment_score":-0.03246776154264808},{"text":"Yeah.","start":1180.465,"end":1180.625,"sentiment":"neutral","sentiment_score":0.05916951596736908},{"text":"So, basically, if your account jumps up 20% a year for five years, that's amazing.","start":1180.625,"end":1184.8849,"sentiment":"neutral","sentiment_score":0.08402573118607203},{"text":"It'll crash about a third and then bounce back up again for another five years.","start":1185.1849,"end":1189.7649,"sentiment":"neutral","sentiment_score":-0.17570011019706727}],"sentiment":"neutral","sentiment_score":-0.03595869406388047,"num_words":89,"start":1156.885,"end":1189.7649},{"sentences":[{"text":"We don't want that cycle to be happening again, like, a month before you retire.","start":1189.9049,"end":1194.39,"sentiment":"neutral","sentiment_score":-0.18013828347126642},{"text":"So we repeat that to grow it.","start":1194.4501,"end":1196.53,"sentiment":"neutral","sentiment_score":-0.034547753632068634},{"text":"But then when you're hitting that late fifties, that's why I was saying we reduce your exposure to the stock market.","start":1196.53,"end":1201.8301,"sentiment":"neutral","sentiment_score":-0.03460246643849781},{"text":"Cool.","start":1204.7051,"end":1205.2051,"sentiment":"positive","sentiment_score":0.5131998062133789},{"text":"Alright, Grant.","start":1206.2251,"end":1207.125,"sentiment":"neutral","sentiment_score":0.19419582188129425}],"sentiment":"neutral","sentiment_score":-0.060194975494042686,"num_words":46,"start":1189.9049,"end":1207.125},{"sentences":[{"text":"Thank you so much for your time today, and, may I will pencil in to reach out to you in the new year?","start":1208.0651,"end":1213.2689,"sentiment":"positive","sentiment_score":0.6190839034059773},{"text":"Awesome.","start":1215.9889,"end":1216.3889,"sentiment":"positive","sentiment_score":0.8687982559204102},{"text":"Have a great week.","start":1216.3889,"end":1217.1089,"sentiment":"positive","sentiment_score":0.8122691810131073},{"text":"Cheers.","start":1217.1089,"end":1217.6089,"sentiment":"positive","sentiment_score":0.6928110122680664}],"sentiment":"positive","sentiment_score":0.6568833024337374,"num_words":29,"start":1208.0651,"end":1217.6089}]}}]},{"alternatives":[{"transcript":"Grant speaking. Oh, I'm not too bad. How are you? Oh, it's I wouldn't say it's warm, but it's nice and it's clear. Yes. It's pleasant. Yes. That's probably what it that's what it would say on the web app if I looked it up, I'm sure. Yep. Yeah. That's fine. Yep. Twenty nine per second. 197685 Harvard Road, Griffith, New South Wales 2688. Yep. Yeah. Yeah. Yeah. Yep. No. No. Probably just the growth, really. I don't know. I don't I don't even know where it's at. I don't even because I can't even get into the app anymore, so I don't even know how where it's even at or how it's performing. Yeah. If you if you could do. I tried to have a go with it there once before. I couldn't bloody work it out. Yeah. Yep. Yep. Yep. Yep. Probably just walk through at the moment because, you know, I'm on the phone. So that's what it's on. Yeah. Yeah. Yep. Uh-huh. Yep. Yep. Yep. Yep. Yeah. Yeah. Yep. Yep. It is. Yep. Oh, no. It's just coming up down a little bit. Not a rule at at the moment. No. Yeah. Yes. Yep. Yep. Oh, I only have one car at the moment. I got rid of one. Oh, sorry. I did have two car the last car, and I used to have a Ute. And I've also got the old car that I'm doing up, but but I sold my ute because I've got a work vehicle now, so there's no point having it just sitting there. They are still still working on that one. Sorry. Which one? The one I sold or the one the the oh, the one we've got in here are it'd be probably around 38, I reckon. Yeah. No. That's probably I suffer in a 100, I reckon. Roughly rough guess. Yeah. Yeah. That's very good. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Alright. Yep. Yep. Yep. Mhmm. Yep. Yep. Yep. Yep. Yep. Yeah. Yeah. Yeah. Yep. Yeah. I was just gonna say what age do you roughly do that about? Around the 60 or 40, 60 year old. Yep. Yep. Yeah. You're on a yeah. Yep. Yep. Yep. Yeah. You're on a yep. So with the contributions that I'm doing, like, you know, over the next few years that I would hope to would up that. Is it worth would it be worth it? Yeah. Yep. Yep. No. No. No. Yep. Yeah. Yeah. Yeah. No. So that'll be probably, like, more when the mortgage want hopefully, it might be wiped and stuff like that. Yeah. Yep. No. Yeah. Yeah. No. I don't know. Yep. Yep. Yep. Okay. Yep. Sounds good. Just gotta get there. Yeah. Yep. That's still a few years away yet, though. But we'll get there. We'll get there. No. Oh, she's nice. I mean, I'll probably pay you as as management. I'd probably only wouldn't look at doing that. It might be another ten, possibly. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. That sounds anyway, we'll see we'll see where where what position we're in when we get to that stage. That's a long way away. Yes. Yep. Yep. Mhmm. Yep. Yep. Yep. Yep. Yep. Yeah. You're right. Yep. Yep. But I still need to keep that coverage at the moment. Yeah. That's the problem. Yeah. Yeah. Yeah. Yeah. Yep. Yep. Yep. Yes. Yep. Yep. Yep. Yep. Okay. Yeah. K. Yeah. Yeah. Yeah. That's alright. I can do. Yep. Yep. Yeah. Yeah. Yep. Yeah. That's one. Yeah. Everything. Yeah. Yep. Yep. Yep. I think we did speak about that. That all went well, though. That was all good. Yeah. You're alright. Yep. Yeah. Yeah. Yeah. Yep. Yep. Yep. That sounds good. Yeah. Yeah. Definitely. Definitely. Yep. No. No. No. It's been crazy lately, but yes. But but we have spoken about it a number of times. I mean, the water that we just but he haven't worked on the ground bill. That's the problem. Is that something you can help with for? No. Right. Yep. Yes. Yes. Yep. Yep. Yep. Yep. Yeah. No. Yeah. And then that's you're just doing that all yourself too much. So where if you go to an actual solicitor or something like that, at least I know every aspect of it that you need to be sort of covering. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. I understand. Yep. Yep. No. No. No. It's good. Yep. If you can just just help me out with that password again, though, that'll if you could organize something with that, that'll be good because I think I don't know what happened there. We talked about six months ago or something and don't know. If I got locked out or something, then I couldn't get back into it. Something to do with an authentication or something like that. They wanted a new yeah. No. I tried it, and I just can't get it to work. Yeah. Yes. Yeah. Right. Yep. Yep. Yeah. Yeah. Because it looks because there's something about you have to skew it just scan a QR code and yeah. I was trying yeah. I tried to work, but I just couldn't bother to get it. But anyway, we'll have another go. If you can try and try and reset them, then I'll have another go with it. Yep. Yeah. Yeah. Yeah. We try to spend all the security and stuff with you know? That's a good thing, I suppose, because then you you know, no one's getting into your file or anything. Yes. That's right. Yeah. Yeah. Yeah. Yep. Yep. Yeah. Sure. That sounds good. Yep. Yep. Yep. Yep. Yep. Sounds awesome. No. I don't think so. We've we've covered everything. Was that the one that was just blocked last week or whatever it was or something? And someone rang me last week and said something about, oh, there was something missed back in when we ever done out of March or February, March or whenever it was, and they sent me another one. Is that the one you're talking about? Yeah. Yeah. I've done that last week and sent it oh, I think I did. I signed it and thought I sent it off anyway. So you got it. We're all good. Yep. Yep. No. Yeah. Oh, I wrote it. Yes. Yep. In that period, sir. Yes. Yes. Yep. Yep. That's good, mate. Yep. Sounds good. No. Not that I can no. Not sounds good. Sounds like you got it under control for me. Oh, yeah. Yeah. Has that not had much effect on any of the any of the markets? Oh, no. Trumpy. Yeah. Yep. Mhmm. Yeah. Right. Yep. Yeah. Yep. Yeah. Right. Yeah. But is that just getting there now, or is it to the was it a quick turnaround sort of thing from right. From one end. So yeah. Yep. No. Not really. Yeah. Oh, shit. Yeah. Right. Well, well, I don't mean that bad then. Yeah. Yeah. Yeah. Lay on to that too. Okay. Yep. Yep. Yep. Yep. Yeah. Yep. Yep. Yep. Very good. Alright, mate. I'll let you go. Alright. No worries. Thanks very much. You too. See you. 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speaking. Oh, I'm not too bad. How are you? Oh, it's I wouldn't say it's warm, but it's nice and it's clear. Yes.\n\nIt's pleasant. Yes. That's probably what it that's what it would say on the web app if I looked it up, I'm sure. Yep. Yeah.\n\nThat's fine. Yep. Twenty nine per second. 197685 Harvard Road, Griffith, New South Wales 2688. Yep.\n\nYeah. Yeah. Yeah. Yep. No.\n\nNo. Probably just the growth, really. I don't know. I don't I don't even know where it's at. I don't even because I can't even get into the app anymore, so I don't even know how where it's even at or how it's performing.\n\nYeah. If you if you could do. I tried to have a go with it there once before. I couldn't bloody work it out. Yeah.\n\nYep. Yep. Yep. Yep. Probably just walk through at the moment because, you know, I'm on the phone.\n\nSo that's what it's on. Yeah. Yeah. Yep. Uh-huh.\n\nYep. Yep. Yep. Yep. Yeah.\n\nYeah. Yep. Yep. It is. Yep.\n\nOh, no. It's just coming up down a little bit. Not a rule at at the moment. No. Yeah.\n\nYes. Yep. Yep. Oh, I only have one car at the moment. I got rid of one.\n\nOh, sorry. I did have two car the last car, and I used to have a Ute. And I've also got the old car that I'm doing up, but but I sold my ute because I've got a work vehicle now, so there's no point having it just sitting there. They are still still working on that one. Sorry.\n\nWhich one? The one I sold or the one the the oh, the one we've got in here are it'd be probably around 38, I reckon. Yeah. No. That's probably I suffer in a 100, I reckon.\n\nRoughly rough guess. Yeah. Yeah. That's very good. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yeah.\n\nAlright. Yep. Yep. Yep. Mhmm.\n\nYep. Yep. Yep. Yep. Yep.\n\nYeah. Yeah. Yeah. Yep. Yeah.\n\nI was just gonna say what age do you roughly do that about? Around the 60 or 40, 60 year old. Yep. Yep. Yeah.\n\nYou're on a yeah. Yep. Yep. Yep. Yeah.\n\nYou're on a yep. So with the contributions that I'm doing, like, you know, over the next few years that I would hope to would up that. Is it worth would it be worth it? Yeah. Yep.\n\nYep. No. No. No. Yep.\n\nYeah. Yeah. Yeah. No. So that'll be probably, like, more when the mortgage want hopefully, it might be wiped and stuff like that.\n\nYeah. Yep. No. Yeah. Yeah.\n\nNo. I don't know. Yep. Yep. Yep.\n\nOkay. Yep. Sounds good. Just gotta get there. Yeah.\n\nYep. That's still a few years away yet, though. But we'll get there. We'll get there. No.\n\nOh, she's nice. I mean, I'll probably pay you as as management. I'd probably only wouldn't look at doing that. It might be another ten, possibly. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. That sounds anyway, we'll see we'll see where where what position we're in when we get to that stage. That's a long way away.\n\nYes. Yep. Yep. Mhmm. Yep.\n\nYep. Yep. Yep. Yep. Yeah.\n\nYou're right. Yep. Yep. But I still need to keep that coverage at the moment. Yeah.\n\nThat's the problem. Yeah. Yeah. Yeah. Yeah.\n\nYep. Yep. Yep. Yes. Yep.\n\nYep. Yep. Yep. Okay. Yeah.\n\nK. Yeah. Yeah. Yeah. That's alright.\n\nI can do. Yep. Yep. Yeah. Yeah.\n\nYep. Yeah. That's one. Yeah. Everything.\n\nYeah. Yep. Yep. Yep. I think we did speak about that.\n\nThat all went well, though. That was all good. Yeah. You're alright. Yep.\n\nYeah. Yeah. Yeah. Yep. Yep.\n\nYep. That sounds good. Yeah. Yeah. Definitely.\n\nDefinitely. Yep. No. No. No.\n\nIt's been crazy lately, but yes. But but we have spoken about it a number of times. I mean, the water that we just but he haven't worked on the ground bill. That's the problem. Is that something you can help with for?\n\nNo. Right. Yep. Yes. Yes.\n\nYep. Yep. Yep. Yep. Yeah.\n\nNo. Yeah. And then that's you're just doing that all yourself too much. So where if you go to an actual solicitor or something like that, at least I know every aspect of it that you need to be sort of covering. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nI understand. Yep. Yep. No. No.\n\nNo. It's good. Yep. If you can just just help me out with that password again, though, that'll if you could organize something with that, that'll be good because I think I don't know what happened there. We talked about six months ago or something and don't know.\n\nIf I got locked out or something, then I couldn't get back into it. Something to do with an authentication or something like that. They wanted a new yeah. No. I tried it, and I just can't get it to work.\n\nYeah. Yes. Yeah. Right. Yep.\n\nYep. Yeah. Yeah. Because it looks because there's something about you have to skew it just scan a QR code and yeah. I was trying yeah.\n\nI tried to work, but I just couldn't bother to get it. But anyway, we'll have another go. If you can try and try and reset them, then I'll have another go with it. Yep. Yeah.\n\nYeah. Yeah. We try to spend all the security and stuff with you know? That's a good thing, I suppose, because then you you know, no one's getting into your file or anything. Yes.\n\nThat's right. Yeah. Yeah. Yeah. Yep.\n\nYep. Yeah. Sure. That sounds good. Yep.\n\nYep. Yep. Yep. Yep. Sounds awesome.\n\nNo. I don't think so. We've we've covered everything. Was that the one that was just blocked last week or whatever it was or something? And someone rang me last week and said something about, oh, there was something missed back in when we ever done out of March or February, March or whenever it was, and they sent me another one.\n\nIs that the one you're talking about? Yeah. Yeah. I've done that last week and sent it oh, I think I did. I signed it and thought I sent it off anyway.\n\nSo you got it. We're all good. Yep. Yep. No.\n\nYeah. Oh, I wrote it. Yes. Yep. In that period, sir.\n\nYes. Yes. Yep. Yep. That's good, mate.\n\nYep. Sounds good. No. Not that I can no. Not sounds good.\n\nSounds like you got it under control for me. Oh, yeah. Yeah. Has that not had much effect on any of the any of the markets? Oh, no.\n\nTrumpy. Yeah. Yep. Mhmm. Yeah.\n\nRight. Yep. Yeah. Yep. Yeah.\n\nRight. Yeah. But is that just getting there now, or is it to the was it a quick turnaround sort of thing from right. From one end. So yeah.\n\nYep. No. Not really. Yeah. Oh, shit.\n\nYeah. Right. Well, well, I don't mean that bad then. Yeah. Yeah.\n\nYeah. Lay on to that too. Okay. Yep. Yep.\n\nYep. Yep. Yeah. Yep. Yep.\n\nYep. Very good. Alright, mate. I'll let you go. Alright.\n\nNo worries. Thanks very much. You too. See you. Bye.","paragraphs":[{"sentences":[{"text":"Grant speaking.","start":1.04,"end":2.02,"sentiment":"neutral","sentiment_score":0.03031488973647356},{"text":"Oh, I'm not too bad.","start":6.24,"end":7.3599997,"sentiment":"neutral","sentiment_score":0.22905829548835754},{"text":"How are you?","start":7.3599997,"end":8.1,"sentiment":"neutral","sentiment_score":0.2604839752117793},{"text":"Oh, it's I wouldn't say it's warm, but it's nice and it's clear.","start":12.799999,"end":17.565,"sentiment":"neutral","sentiment_score":0.144870604460056},{"text":"Yes.","start":18.025,"end":18.525,"sentiment":"neutral","sentiment_score":0.2549095153808594}],"sentiment":"neutral","sentiment_score":0.17190002316298583,"num_words":24,"start":1.04,"end":18.525},{"sentences":[{"text":"It's pleasant.","start":19.225,"end":19.945,"sentiment":"positive","sentiment_score":0.5348923206329346},{"text":"Yes.","start":19.945,"end":20.445,"sentiment":"neutral","sentiment_score":0.31638628244400024},{"text":"That's probably what it that's what it would say on the web app if I looked it up, I'm sure.","start":21.545,"end":25.885,"sentiment":"neutral","sentiment_score":0.15732057429850102},{"text":"Yep.","start":32.9,"end":33.4,"sentiment":"neutral","sentiment_score":0.053949978202581406},{"text":"Yeah.","start":36.26,"end":36.66,"sentiment":"neutral","sentiment_score":0.09853233397006989}],"sentiment":"neutral","sentiment_score":0.18740258887410163,"num_words":25,"start":19.225,"end":36.66},{"sentences":[{"text":"That's fine.","start":36.66,"end":37.48,"sentiment":"neutral","sentiment_score":0.1757027506828308},{"text":"Yep.","start":46.525,"end":46.684998,"sentiment":"neutral","sentiment_score":0.01328538917005062},{"text":"Twenty nine per second.","start":46.684998,"end":47.905,"sentiment":"neutral","sentiment_score":0.009970433777198195},{"text":"197685 Harvard Road, Griffith, New South Wales 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it looks because there's something about you have to skew it just scan a QR code and yeah.","start":875.08997,"end":881.88995,"sentiment":"neutral","sentiment_score":-0.05246053243938245},{"text":"I was trying yeah.","start":881.88995,"end":882.61,"sentiment":"neutral","sentiment_score":-0.04955597221851349}],"sentiment":"neutral","sentiment_score":-0.042162360480198495,"num_words":26,"start":872.61,"end":882.61},{"sentences":[{"text":"I tried to work, but I just couldn't bother to get it.","start":882.61,"end":884.61,"sentiment":"neutral","sentiment_score":-0.0880879716326793},{"text":"But anyway, we'll have another go.","start":884.61,"end":887.7843,"sentiment":"neutral","sentiment_score":-0.010569709042708078},{"text":"If you can try and try and reset them, then I'll have another go with it.","start":887.9207,"end":897.96716,"sentiment":"neutral","sentiment_score":-0.032456393440952525},{"text":"Yep.","start":898.1036,"end":898.6036,"sentiment":"neutral","sentiment_score":-0.004921374376863241},{"text":"Yeah.","start":899.06,"end":899.56,"sentiment":"neutral","sentiment_score":-0.0032591160852462053}],"sentiment":"neutral","sentiment_score":-0.04577657498238194,"num_words":36,"start":882.61,"end":899.56},{"sentences":[{"text":"Yeah.","start":910.74,"end":911.14,"sentiment":"neutral","sentiment_score":0.02738715708255768},{"text":"Yeah.","start":911.14,"end":911.38,"sentiment":"neutral","sentiment_score":0.015338658355176449},{"text":"We try to spend all the security and stuff with you know?","start":911.38,"end":914.27997,"sentiment":"neutral","sentiment_score":0.008752220465491215},{"text":"That's a good thing, I suppose, because then you you know, no one's getting into your file or anything.","start":914.375,"end":919.675,"sentiment":"neutral","sentiment_score":0.23291242544196153},{"text":"Yes.","start":925.65497,"end":925.89496,"sentiment":"neutral","sentiment_score":0.09090420603752136}],"sentiment":"neutral","sentiment_score":0.1371762573664241,"num_words":34,"start":910.74,"end":925.89496},{"sentences":[{"text":"That's right.","start":925.89496,"end":926.695,"sentiment":"neutral","sentiment_score":0.12426834926009178},{"text":"Yeah.","start":926.695,"end":927.195,"sentiment":"neutral","sentiment_score":0.09440319985151292},{"text":"Yeah.","start":927.575,"end":927.815,"sentiment":"neutral","sentiment_score":0.08162778615951538},{"text":"Yeah.","start":927.815,"end":928.315,"sentiment":"neutral","sentiment_score":0.07234051823616028},{"text":"Yep.","start":942.72,"end":943.04,"sentiment":"neutral","sentiment_score":0.0810757502913475}],"sentiment":"neutral","sentiment_score":0.09633065884311993,"num_words":6,"start":925.89496,"end":943.04},{"sentences":[{"text":"Yep.","start":943.04,"end":943.54,"sentiment":"neutral","sentiment_score":0.07427127659320831},{"text":"Yeah.","start":949.935,"end":950.015,"sentiment":"neutral","sentiment_score":0.17214733362197876},{"text":"Sure.","start":950.015,"end":950.255,"sentiment":"neutral","sentiment_score":0.25735580921173096},{"text":"That sounds good.","start":950.255,"end":951.475,"sentiment":"positive","sentiment_score":0.4497259457906087},{"text":"Yep.","start":956.33496,"end":956.83496,"sentiment":"neutral","sentiment_score":0.1216660737991333}],"sentiment":"neutral","sentiment_score":0.2820883329425539,"num_words":7,"start":943.04,"end":956.83496},{"sentences":[{"text":"Yep.","start":959.21497,"end":959.455,"sentiment":"neutral","sentiment_score":0.06777772307395935},{"text":"Yep.","start":959.455,"end":959.615,"sentiment":"neutral","sentiment_score":0.0675070583820343},{"text":"Yep.","start":959.615,"end":960.03,"sentiment":"neutral","sentiment_score":0.08675862848758698},{"text":"Yep.","start":985.25494,"end":985.75494,"sentiment":"neutral","sentiment_score":0.20211240649223328},{"text":"Sounds awesome.","start":994.76,"end":995.58,"sentiment":"positive","sentiment_score":0.7243799269199371}],"sentiment":"neutral","sentiment_score":0.3121526117126147,"num_words":6,"start":959.21497,"end":995.58},{"sentences":[{"text":"No.","start":998.44,"end":998.68,"sentiment":"neutral","sentiment_score":-0.17019212245941162},{"text":"I don't think so.","start":998.68,"end":999.48004,"sentiment":"neutral","sentiment_score":-0.19035043567419052},{"text":"We've we've covered everything.","start":999.48004,"end":1001.02,"sentiment":"neutral","sentiment_score":0.05015131086111069},{"text":"Was that the one that was just blocked last week or whatever it was or something?","start":1011.685,"end":1015.205,"sentiment":"neutral","sentiment_score":-0.019825227849651128},{"text":"And someone rang me last week and said something about, oh, there was something missed back in when we ever done out of March or February, March or whenever it was, and they sent me another one.","start":1015.205,"end":1024.38,"sentiment":"neutral","sentiment_score":-0.03262261875175141}],"sentiment":"neutral","sentiment_score":-0.0363746638890476,"num_words":62,"start":998.44,"end":1024.38},{"sentences":[{"text":"Is that the one you're talking about?","start":1024.6,"end":1026.12,"sentiment":"neutral","sentiment_score":-0.0014390143831925733},{"text":"Yeah.","start":1026.12,"end":1026.36,"sentiment":"neutral","sentiment_score":0.06886760890483856},{"text":"Yeah.","start":1026.36,"end":1026.52,"sentiment":"neutral","sentiment_score":0.16154825687408447},{"text":"I've done that last week and sent it oh, I think I did.","start":1026.52,"end":1029.16,"sentiment":"neutral","sentiment_score":0.23335849364789632},{"text":"I signed it and thought I sent it off anyway.","start":1029.16,"end":1031.18,"sentiment":"neutral","sentiment_score":-0.033644764497876165}],"sentiment":"neutral","sentiment_score":0.09117361054813955,"num_words":32,"start":1024.6,"end":1031.18},{"sentences":[{"text":"So you got it.","start":1031.355,"end":1033.4779,"sentiment":"neutral","sentiment_score":0.025484147015959024},{"text":"We're all good.","start":1034.2007,"end":1037.1464,"sentiment":"neutral","sentiment_score":0.031648204351464905},{"text":"Yep.","start":1037.8693,"end":1038.3693,"sentiment":"neutral","sentiment_score":0.004821108654141426},{"text":"Yep.","start":1039.092,"end":1039.592,"sentiment":"neutral","sentiment_score":0.005311000626534224},{"text":"No.","start":1040.315,"end":1040.5549,"sentiment":"neutral","sentiment_score":-0.015969034284353256}],"sentiment":"neutral","sentiment_score":0.01910442761145532,"num_words":10,"start":1031.355,"end":1040.5549},{"sentences":[{"text":"Yeah.","start":1040.5549,"end":1041.0549,"sentiment":"neutral","sentiment_score":-0.001951325684785843},{"text":"Oh, I wrote it.","start":1051.1,"end":1051.98,"sentiment":"neutral","sentiment_score":0.0053049016278237104},{"text":"Yes.","start":1051.98,"end":1052.22,"sentiment":"neutral","sentiment_score":0.050134096294641495},{"text":"Yep.","start":1052.22,"end":1052.72,"sentiment":"neutral","sentiment_score":0.06971960514783859},{"text":"In that period, sir.","start":1054.9401,"end":1056.22,"sentiment":"neutral","sentiment_score":0.06571055389940739}],"sentiment":"neutral","sentiment_score":0.03654219980605624,"num_words":11,"start":1040.5549,"end":1056.22},{"sentences":[{"text":"Yes.","start":1056.22,"end":1056.46,"sentiment":"neutral","sentiment_score":0.06833665072917938},{"text":"Yes.","start":1056.46,"end":1056.96,"sentiment":"neutral","sentiment_score":0.08150789141654968},{"text":"Yep.","start":1062.475,"end":1062.975,"sentiment":"neutral","sentiment_score":0.09020858258008956},{"text":"Yep.","start":1072.17,"end":1072.49,"sentiment":"neutral","sentiment_score":0.16466495394706726},{"text":"That's good, mate.","start":1072.49,"end":1073.37,"sentiment":"positive","sentiment_score":0.4480364918708801}],"sentiment":"neutral","sentiment_score":0.24983250775507518,"num_words":7,"start":1056.22,"end":1073.37},{"sentences":[{"text":"Yep.","start":1073.37,"end":1073.77,"sentiment":"neutral","sentiment_score":0.2792498469352722},{"text":"Sounds good.","start":1073.77,"end":1074.51,"sentiment":"positive","sentiment_score":0.5052498877048492},{"text":"No.","start":1078.41,"end":1078.89,"sentiment":"neutral","sentiment_score":-0.045732468366622925},{"text":"Not that I can no.","start":1078.89,"end":1080.49,"sentiment":"neutral","sentiment_score":-0.08110946863889694},{"text":"Not sounds good.","start":1080.49,"end":1081.63,"sentiment":"neutral","sentiment_score":-0.07517124836643536}],"sentiment":"neutral","sentiment_score":0.05107967214037975,"num_words":12,"start":1073.37,"end":1081.63},{"sentences":[{"text":"Sounds like you got it under control for me.","start":1081.93,"end":1084.11,"sentiment":"neutral","sentiment_score":0.26076628102196586},{"text":"Oh, yeah.","start":1087.6951,"end":1088.3551,"sentiment":"neutral","sentiment_score":0.1461070328950882},{"text":"Yeah.","start":1090.5751,"end":1090.735,"sentiment":"neutral","sentiment_score":0.054753102362155914},{"text":"Has that not had much effect on any of the any of the markets?","start":1090.735,"end":1094.755,"sentiment":"neutral","sentiment_score":-0.03391886542418173},{"text":"Oh, no.","start":1096.175,"end":1096.735,"sentiment":"neutral","sentiment_score":-0.06005196925252676}],"sentiment":"neutral","sentiment_score":0.07496055867522955,"num_words":28,"start":1081.93,"end":1096.735},{"sentences":[{"text":"Trumpy.","start":1096.735,"end":1097.2151,"sentiment":"neutral","sentiment_score":-0.0874377116560936},{"text":"Yeah.","start":1097.2151,"end":1097.61,"sentiment":"neutral","sentiment_score":-0.015373628586530684},{"text":"Yep.","start":1102.97,"end":1103.47,"sentiment":"neutral","sentiment_score":0.002159151015803218},{"text":"Mhmm.","start":1110.01,"end":1110.315,"sentiment":"neutral","sentiment_score":-0.09894633293151855},{"text":"Yeah.","start":1116.315,"end":1116.815,"sentiment":"neutral","sentiment_score":0.1075197011232376}],"sentiment":"neutral","sentiment_score":-0.018415764207020405,"num_words":5,"start":1096.735,"end":1116.815},{"sentences":[{"text":"Right.","start":1122.235,"end":1122.6349,"sentiment":"neutral","sentiment_score":0.2047741562128067},{"text":"Yep.","start":1122.6349,"end":1123.1349,"sentiment":"neutral","sentiment_score":0.3116528391838074},{"text":"Yeah.","start":1124.235,"end":1124.67,"sentiment":"neutral","sentiment_score":0.18821541965007785},{"text":"Yep.","start":1124.91,"end":1125.41,"sentiment":"neutral","sentiment_score":0.2480805218219757},{"text":"Yeah.","start":1127.0701,"end":1127.39,"sentiment":"neutral","sentiment_score":0.09506912529468536}],"sentiment":"neutral","sentiment_score":0.2095584124326706,"num_words":5,"start":1122.235,"end":1127.39},{"sentences":[{"text":"Right.","start":1127.39,"end":1127.63,"sentiment":"neutral","sentiment_score":0.08347955346107483},{"text":"Yeah.","start":1127.63,"end":1127.9501,"sentiment":"neutral","sentiment_score":0.04845169931650162},{"text":"But is that just getting there now, or is it to the was it a quick turnaround sort of thing from right.","start":1127.9501,"end":1136.27,"sentiment":"neutral","sentiment_score":-0.009558452377942476},{"text":"From one end.","start":1136.27,"end":1136.99,"sentiment":"neutral","sentiment_score":0.044556550681591034},{"text":"So yeah.","start":1136.99,"end":1137.81,"sentiment":"neutral","sentiment_score":0.19735652953386307}],"sentiment":"neutral","sentiment_score":0.01551820729570142,"num_words":29,"start":1127.39,"end":1137.81},{"sentences":[{"text":"Yep.","start":1138.75,"end":1138.935,"sentiment":"neutral","sentiment_score":0.12455886602401732},{"text":"No.","start":1148.6951,"end":1149.015,"sentiment":"neutral","sentiment_score":-0.24573013186454773},{"text":"Not really.","start":1149.015,"end":1149.755,"sentiment":"neutral","sentiment_score":-0.2450641468167305},{"text":"Yeah.","start":1151.98,"end":1152.48,"sentiment":"neutral","sentiment_score":-0.27666690945625305},{"text":"Oh, shit.","start":1155.58,"end":1156.22,"sentiment":"neutral","sentiment_score":-0.295946404337883}],"sentiment":"neutral","sentiment_score":-0.21140846822943007,"num_words":7,"start":1138.75,"end":1156.22},{"sentences":[{"text":"Yeah.","start":1156.22,"end":1156.46,"sentiment":"neutral","sentiment_score":-0.094533272087574},{"text":"Right.","start":1156.46,"end":1156.7,"sentiment":"neutral","sentiment_score":-0.0654812753200531},{"text":"Well, well, I don't mean that bad then.","start":1156.7,"end":1158.3999,"sentiment":"neutral","sentiment_score":-0.0926126609556377},{"text":"Yeah.","start":1174.165,"end":1174.665,"sentiment":"neutral","sentiment_score":-0.03188443183898926},{"text":"Yeah.","start":1177.6799,"end":1177.76,"sentiment":"neutral","sentiment_score":0.00849137082695961}],"sentiment":"neutral","sentiment_score":-0.07702574133872986,"num_words":12,"start":1156.22,"end":1177.76},{"sentences":[{"text":"Yeah.","start":1177.76,"end":1178.0,"sentiment":"neutral","sentiment_score":0.0047324784100055695},{"text":"Lay on to that too.","start":1178.0,"end":1179.2799,"sentiment":"neutral","sentiment_score":-0.0009498089551925659},{"text":"Okay.","start":1179.2799,"end":1179.7799,"sentiment":"neutral","sentiment_score":0.03446280211210251},{"text":"Yep.","start":1185.6,"end":1186.1,"sentiment":"neutral","sentiment_score":-0.2435630559921265},{"text":"Yep.","start":1187.12,"end":1187.62,"sentiment":"neutral","sentiment_score":-0.11203186213970184}],"sentiment":"neutral","sentiment_score":-0.035683186931742564,"num_words":9,"start":1177.76,"end":1187.62},{"sentences":[{"text":"Yep.","start":1199.375,"end":1199.875,"sentiment":"neutral","sentiment_score":-0.0001603911368874833},{"text":"Yep.","start":1200.095,"end":1200.595,"sentiment":"neutral","sentiment_score":-0.06204747408628464},{"text":"Yeah.","start":1202.095,"end":1202.4149,"sentiment":"neutral","sentiment_score":0.044430192559957504},{"text":"Yep.","start":1202.4149,"end":1202.495,"sentiment":"neutral","sentiment_score":0.04760169982910156},{"text":"Yep.","start":1202.495,"end":1202.995,"sentiment":"neutral","sentiment_score":0.03090350702404976}],"sentiment":"neutral","sentiment_score":0.012145506837987341,"num_words":5,"start":1199.375,"end":1202.995},{"sentences":[{"text":"Yep.","start":1204.9401,"end":1205.18,"sentiment":"positive","sentiment_score":0.4317186772823334},{"text":"Very good.","start":1205.18,"end":1205.74,"sentiment":"positive","sentiment_score":0.8277872204780579},{"text":"Alright, mate.","start":1205.74,"end":1206.3,"sentiment":"positive","sentiment_score":0.47857946157455444},{"text":"I'll let you go.","start":1206.3,"end":1207.52,"sentiment":"neutral","sentiment_score":0.28291936218738556},{"text":"Alright.","start":1213.5,"end":1213.98,"sentiment":"neutral","sentiment_score":0.32477447390556335}],"sentiment":"positive","sentiment_score":0.45009039640426635,"num_words":10,"start":1204.9401,"end":1213.98},{"sentences":[{"text":"No worries.","start":1213.98,"end":1214.54,"sentiment":"positive","sentiment_score":0.4103652685880661},{"text":"Thanks very much.","start":1214.54,"end":1215.52,"sentiment":"positive","sentiment_score":0.8058521548906962},{"text":"You too.","start":1217.5089,"end":1218.0688,"sentiment":"positive","sentiment_score":0.5188508927822113},{"text":"See you.","start":1218.0688,"end":1221.5989,"sentiment":"positive","sentiment_score":0.4769197404384613},{"text":"Bye.","start":1221.5989,"end":1221.9839,"sentiment":"neutral","sentiment_score":-0.1120368167757988}],"sentiment":"positive","sentiment_score":0.5117791451513767,"num_words":10,"start":1213.98,"end":1221.9839}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Grant speaking.\n\nChannel 0: Good evening, Grant. Tommy here from Oakview, mate. How you been?\n\nChannel 1: Oh, I'm not too bad. How are you?\n\nChannel 0: I'm living the dream. It's freezing and wet on the Gold Coast. What about your end?\n\nChannel 1: Oh, it's I wouldn't say it's warm, but it's nice and\n\nChannel 0: It's\n\nChannel 1: it's\n\nChannel 0: pleasant.\n\nChannel 1: clear.\n\nChannel 0: We'll\n\nChannel 1: Yes.\n\nChannel 0: go with pleasant and clear.\n\nChannel 1: It's pleasant.\n\nChannel 0: Fantastic.\n\nChannel 1: Yes.\n\nChannel 0: Good\n\nChannel 1: That's\n\nChannel 0: to hear,\n\nChannel 1: probably\n\nChannel 0: mate.\n\nChannel 1: what it that's what it would say on the web app if I looked it up, I'm sure.\n\nChannel 0: Absolutely. Now I've got a bit of an annual review pack I'm gonna email through to you. Do you\n\nChannel 1: Yep.\n\nChannel 0: mind if I just quickly go through security check with you?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Sensational. So I'm registered with Asik as adviser one two seven three one zero five. Could you please confirm your date of birth and address?\n\nChannel 1: Yep. Twenty nine per second. 197685 Harvard Road, Griffith, New South Wales 2688.\n\nChannel 0: Sensational. Thank you for that, Grant. Now one thing I wanted to go through with you today was we went through a bit of an update to your strategy in March together. And so\n\nChannel 1: Yep.\n\nChannel 0: what I've basically put together is how's everything been going since we implemented it and\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: just to talk through any other changes in your circumstance and if there's any other strategies we need to look at today as well.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Now in particular, is there anything that you would be hoping to get out of this conversation that you would like to focus on as well?\n\nChannel 1: No. No. Probably just the growth, really.\n\nChannel 0: Yeah.\n\nChannel 1: I don't know. I\n\nChannel 0: Absolutely.\n\nChannel 1: don't I don't even know where it's at. I don't even because I can't even get into the app anymore, so I don't even know how where it's even at or how\n\nChannel 0: Okay.\n\nChannel 1: it's performing.\n\nChannel 0: Would you\n\nChannel 1: Yeah.\n\nChannel 0: like us to do a bit of, like, a password reset for your login? Would that help?\n\nChannel 1: If you if you could do. I tried to have\n\nChannel 0: Yeah.\n\nChannel 1: a go with it there once before. I couldn't bloody work it out.\n\nChannel 0: That's alright. I'll get Caden to help reset the Netwealth login. Any drama with that, just let him know, and he can help you through it and\n\nChannel 1: Yeah. Yep.\n\nChannel 0: liaise with them on your behalf as\n\nChannel 1: Yep. Yep. Yep.\n\nChannel 0: well. Sensational. I will do a little bit of an update of your details. I know it's only been a few months, but just to make sure it's all accurate on the new system there as well. And will you be able to look onto the emails with me today, or should I just walk you through what I've sent?\n\nChannel 1: Probably just walk through at the moment because, you know, I'm on the phone. So that's\n\nChannel 0: Yeah.\n\nChannel 1: what\n\nChannel 0: No.\n\nChannel 1: it's\n\nChannel 0: That's\n\nChannel 1: on.\n\nChannel 0: totally\n\nChannel 1: Yeah.\n\nChannel 0: fine.\n\nChannel 1: Yeah.\n\nChannel 0: Alright. Now good news is everything has been going really well since we implemented the advice. So I just wanted to, first of all, thank you for engaging with me in that updated strategy. And\n\nChannel 1: Yep.\n\nChannel 0: we went through that, and things have been really picking up pretty well since\n\nChannel 1: Uh-huh.\n\nChannel 0: that that was\n\nChannel 1: Yep.\n\nChannel 0: put in place. Before\n\nChannel 1: Yep.\n\nChannel 0: I go through the figures with you, I just wanna double check a few things. So\n\nChannel 1: Yep.\n\nChannel 0: in terms of circumstances, so we've got married with two children, one moved out, one still at home. We've got address, email. In terms of email, let's just have a look. The Outlook\n\nChannel 1: Yep.\n\nChannel 0: is still okay.\n\nChannel 1: Yeah. Yeah. Yep.\n\nChannel 0: Perfect. Store manager on about 100,000 for income and employment.\n\nChannel 1: Yep.\n\nChannel 0: And just I'm checking that still with Reece Plumbing. Correct?\n\nChannel 1: It is. Yep.\n\nChannel 0: Yeah. Fantastic. Assets and liabilities. So the home we had I'll do a bit of an updated valuation here, but you were only owing about 270,000 at the time. Has that changed quite a lot?\n\nOr\n\nChannel 1: Oh, no. It's just coming up down a little bit. Not a rule at at the moment. No.\n\nChannel 0: yep. No\n\nChannel 1: Yeah.\n\nChannel 0: worries. I'm just gonna grab this updated evaluation. I think we had it at $8.50 at the time, and I know the market's jumped up this year pretty well. Yeah. So I'm still seeing around about the $8.50 mark online,\n\nChannel 1: Yes.\n\nChannel 0: if that's okay.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Perfect. Two cars, and we had about 35,000 in savings.\n\nChannel 1: Oh, I only have one car at the moment. I got rid of one. Oh, sorry. I did have two car the last\n\nChannel 0: Yep.\n\nChannel 1: car, and I used to have a Ute. And I've also got the old car that I'm doing up, but but I sold my ute because I've got a work vehicle now, so there's no point having it just sitting there.\n\nChannel 0: Yeah. Absolutely. So I did have that down as one of the goals for the vehicle restoration. You were putting a bit of cash flow into that.\n\nChannel 1: They are still still working on that one.\n\nChannel 0: Fantastic. So we'll have that as a current goal. Brilliant. And with the the value of that leftover car, what would the resale be just off the top of your head?\n\nChannel 1: Sorry. Which one? The one I sold or the one\n\nChannel 0: The one that\n\nChannel 1: the\n\nChannel 0: you've\n\nChannel 1: the\n\nChannel 0: currently got.\n\nChannel 1: oh, the one we've got in here are it'd be probably around 38, I reckon.\n\nChannel 0: Yep. Alrighty. Work vehicle as well. And the savings, 35,000. Has that gone up or down?\n\nChannel 1: Yeah. No. That's probably I suffer in a 100, I reckon.\n\nChannel 0: A 100\n\nChannel 1: Roughly\n\nChannel 0: thousand.\n\nChannel 1: rough guess. Yeah.\n\nChannel 0: Amazing. That is fantastic. Alright. Now we've put in place so I was having a look at the the network server. So when we did that advice strategy, it was bouncing between about 228 to $230,000.\n\nSince then, it's jumped up to $2.47. So you've had $8 of contributions go in. You had your premiums for the insurances come out, and then another 15,000 of growth on top of that. So it's bounced back a solid six and a half percent in just a few months.\n\nChannel 1: Yeah. That's very good.\n\nChannel 0: So I did also send you an asset breakdown with every single investment option and what each one has been doing. Now the main thing I wanted to kind of point out here is I've gone through all of them before this call just to make sure what I've\n\nChannel 1: Yep.\n\nChannel 0: put in place is doing its thing.\n\nChannel 1: Yep.\n\nChannel 0: Gold's taken a bit of a drop since its peak at Christmas. That's fair enough.\n\nChannel 1: Yep.\n\nChannel 0: It goes up a 160%. Can't expect it to go up 300%. So that's fair enough. The Bennelong option that we replaced, that was down about 26%. Now your Australian shares are back up to par.\n\nThey've kind\n\nChannel 1: Yep.\n\nChannel 0: of gone back up into the neutral territory, so that's good.\n\nChannel 1: Yep. Yep. Yep. Yep.\n\nChannel 0: International shares, all great. I think there was a global tech companies was down a little bit, but your health care has jumped up. Your battery tech and lithium's jumped up. Cybersecurity's jumped up. Your American shares have jumped up, and your fixed interest safe options have jumped up as well.\n\nSo I don't have any concerns on my end from any of the options. They're\n\nChannel 1: Yep.\n\nChannel 0: kind of behaving now as I would have wanted them to previously and\n\nChannel 1: Yep.\n\nChannel 0: in line with what the market's doing as well.\n\nChannel 1: Yeah. Alright. Yep. Yep. Yep.\n\nChannel 0: Cool. The salary sacrifice has gone in as well. The first one came through last month for the 400, so that's gonna\n\nChannel 1: Mhmm.\n\nChannel 0: start picking things up as well a little bit quicker.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Quick thing I wanted to ask you just\n\nChannel 1: Yep.\n\nChannel 0: in terms of the super. So risk level. So we've got a little bit of time ahead of us still. Again, ten years until you can access the super. Age pension's in seventeen years, so we still got a bit of time to get some growth out of it.\n\nChannel 1: Yep.\n\nChannel 0: And then\n\nChannel 1: Yep.\n\nChannel 0: I always mention,\n\nChannel 1: Yeah.\n\nChannel 0: like I did previously, we're gonna reduce the risk at some point.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: you're in growth at the moment. You're in that four out of five. You've got 80% give or take in your growth assets. You're not in high risk. As you get closer to retirement, those last seven\n\nChannel 1: Yep.\n\nChannel 0: years, we're gonna slowly reduce it down to 70, 60, 50, 40, and that's\n\nChannel 1: Yeah.\n\nChannel 0: kind\n\nChannel 1: I\n\nChannel 0: of\n\nChannel 1: was\n\nChannel 0: you're\n\nChannel 1: just\n\nChannel 0: in\n\nChannel 1: gonna\n\nChannel 0: pension.\n\nChannel 1: say what age do you roughly do that about? Around the 60 or 40, 60 year old.\n\nChannel 0: Yeah. So if you're retiring at 67, we'd probably start it at 60 or just before.\n\nChannel 1: Yep.\n\nChannel 0: If we're retiring\n\nChannel 1: Yep.\n\nChannel 0: earlier, we'll start it in the late fifties.\n\nChannel 1: Yeah. You're on\n\nChannel 0: Cool. So\n\nChannel 1: a\n\nChannel 0: for now, it's still gonna be aiming for\n\nChannel 1: yeah.\n\nChannel 0: that nine to 10\n\nChannel 1: Yep.\n\nChannel 0: percent or above,\n\nChannel 1: Yep.\n\nChannel 0: and it's\n\nChannel 1: Yep.\n\nChannel 0: gonna be bouncing up and down 10 to 20% a year.\n\nChannel 1: Yeah. You're on a yep.\n\nChannel 0: K? So risk level is all good. With the contributions and the portfolio you've got, that's looking very, very strong. In terms of the retirement goal, I think you should be pretty well fine. Now\n\nChannel 1: So with the contributions that I'm doing, like, you know, over the next few years that I would hope to would up that. Is it worth would it be worth it?\n\nChannel 0: definitely would be. It just depends on competing priorities. So any money you put into super gets locked away until 60 or above\n\nChannel 1: Yeah.\n\nChannel 0: when\n\nChannel 1: Yep.\n\nChannel 0: you can access it again. So you don't wanna pile everything in there,\n\nChannel 1: Yep.\n\nChannel 0: and\n\nChannel 1: No.\n\nChannel 0: then\n\nChannel 1: No.\n\nChannel 0: you're still\n\nChannel 1: No.\n\nChannel 0: trying\n\nChannel 1: Yep.\n\nChannel 0: to, you know, do the car up and finish off the mortgage and things like that.\n\nChannel 1: Yeah. Yeah. Yeah. No. So that'll be probably, like, more when the mortgage want hopefully, it might be wiped and stuff like that.\n\nChannel 0: Exactly. Right. So what we basically do is smash\n\nChannel 1: Yeah.\n\nChannel 0: out the mortgage first,\n\nChannel 1: Yep.\n\nChannel 0: then we can up the contributions. When you hit 60, we can do a a transition strategy where you can access up to 10% of your super, and we call it a recontribution. Well, we basically pull a chunk out and put it back in again for a tax deduction.\n\nChannel 1: No.\n\nChannel 0: And\n\nChannel 1: Yeah.\n\nChannel 0: the difference\n\nChannel 1: Yeah.\n\nChannel 0: between your 37% or your 32% and the 15, well, that just goes in as cream on top to boost up the super without impacting your pay.\n\nChannel 1: No. I don't know. Yep.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: the\n\nChannel 1: Yep.\n\nChannel 0: aim of\n\nChannel 1: Okay.\n\nChannel 0: the game is just get good growth out of it, get good contributions in, pay off the\n\nChannel 1: Yep.\n\nChannel 0: mortgage at 60. We'll do a transition strategy. And then when you've got enough, you can hang up the boots, and we can put you in pension phase.\n\nChannel 1: Sounds good.\n\nChannel 0: And then we get\n\nChannel 1: Just\n\nChannel 0: to say,\n\nChannel 1: gotta get\n\nChannel 0: bon\n\nChannel 1: there.\n\nChannel 0: voyage. Go on your holiday.\n\nChannel 1: Yeah.\n\nChannel 0: Enjoy your life. Here's your monthly pension payment coming out. Send us some photos back, and we'll hang them up in the office.\n\nChannel 1: Yep. That's still a few years away yet, though.\n\nChannel 0: Absolutely.\n\nChannel 1: But we'll get there. We'll get there.\n\nChannel 0: Still spring chickens, but I'm imagining you're getting to a point where you're like, I don't wanna keep doing this for another thirty.\n\nChannel 1: No. Oh, she's nice. I\n\nChannel 0: Absolutely.\n\nChannel 1: mean, I'll probably pay you as as management. I'd probably only wouldn't look at doing that. It might be another ten,\n\nChannel 0: Yeah. And\n\nChannel 1: possibly.\n\nChannel 0: one thing that we can do is when you're in the sixties is if you're going really well in the balance, we can use that transition, pull out a bit of your super, and you can just go part time. I've got a lot of clients there that go down to three days a week and supplement\n\nChannel 1: Yeah.\n\nChannel 0: it with a bit of\n\nChannel 1: Yeah.\n\nChannel 0: super\n\nChannel 1: Yeah.\n\nChannel 0: and still\n\nChannel 1: Yeah.\n\nChannel 0: have enough to retire on after '65, '67.\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. Yeah.\n\nThat sounds anyway,\n\nChannel 0: Sensational.\n\nChannel 1: we'll see we'll see where where what position we're in when we get to that stage.\n\nChannel 0: Yeah. Yeah. Absolutely.\n\nChannel 1: That's a long\n\nChannel 0: The\n\nChannel 1: way\n\nChannel 0: thing\n\nChannel 1: away.\n\nChannel 0: I've got to keep an eye on your premiums for the insurances. I did speak to you last time\n\nChannel 1: Yes.\n\nChannel 0: about the\n\nChannel 1: Yep.\n\nChannel 0: anniversary that was coming out.\n\nChannel 1: Yep.\n\nChannel 0: So that's come out just after we did that advice document couple of weeks\n\nChannel 1: Mhmm.\n\nChannel 0: later. Just\n\nChannel 1: Yep.\n\nChannel 0: bear in mind that after the tax rebate, it's still $4.5, so it's it's getting up there.\n\nChannel 1: Yep. Yep. Yep.\n\nChannel 0: When you get your next anniversary around January, February, it will probably jump\n\nChannel 1: Yep.\n\nChannel 0: up again, and it wouldn't surprise me if it was $66,500 at that point.\n\nChannel 1: Yeah. You're right. Yep. Yep.\n\nChannel 0: So\n\nChannel 1: But\n\nChannel 0: just\n\nChannel 1: I still\n\nChannel 0: to quickly\n\nChannel 1: need to\n\nChannel 0: cap\n\nChannel 1: keep\n\nChannel 0: what\n\nChannel 1: that\n\nChannel 0: you\n\nChannel 1: coverage at the moment. Yeah.\n\nChannel 0: yeah.\n\nChannel 1: That's\n\nChannel 0: Correct.\n\nChannel 1: the problem.\n\nChannel 0: So a million dollars worth of life and TPD cover to cover the mortgage, give you leftover for the family, and then you've\n\nChannel 1: Yeah.\n\nChannel 0: got your income protection as well for\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: Yeah.\n\nChannel 0: 6,200 a month.\n\nChannel 1: Yeah. Yep. Yep. Yep. Yes.\n\nChannel 0: Just bear in mind, waiting period for the income protection is thirteen weeks. Benefit period is five years.\n\nChannel 1: Yep.\n\nChannel 0: If\n\nChannel 1: Yep.\n\nChannel 0: anything happens to you, give us a buzz, and we'll help you do the claims advice and and get the claims going for you. Touch wood, it doesn't happen.\n\nChannel 1: Yep. Yep.\n\nChannel 0: But that 13 wait has really kept a lid on the premiums as well. Because if we had it down as a full week, it probably will be another fifteen\n\nChannel 1: Okay.\n\nChannel 0: 100 on top.\n\nChannel 1: Yeah. K. Yeah. Yeah. Yeah.\n\nChannel 0: So\n\nChannel 1: That's alright.\n\nChannel 0: one\n\nChannel 1: I\n\nChannel 0: thing\n\nChannel 1: can do.\n\nChannel 0: yeah. I I wanna pencil in for a catch up before the next anniversary just to say, okay. This is what it's jumping up like. If you've piled even more savings in and paid down the mortgage, I can look at maybe either trimming it down\n\nChannel 1: Yep.\n\nChannel 0: or\n\nChannel 1: Yep.\n\nChannel 0: shopping around.\n\nChannel 1: Yeah. Yeah. Yep. Yeah. That's\n\nChannel 0: We\n\nChannel 1: one.\n\nChannel 0: did\n\nChannel 1: Yeah.\n\nChannel 0: have a\n\nChannel 1: Everything.\n\nChannel 0: conversation about, like, the CT scans and everything if that rings a bell.\n\nChannel 1: Yeah. Yep. Yep. Yep. I think\n\nChannel 0: So,\n\nChannel 1: we did speak about that. That all went well, though. That was all good.\n\nChannel 0: yeah, so since that's all gone pretty well, I think that lines up being able to shop around a bit better. And\n\nChannel 1: Yeah. You're alright.\n\nChannel 0: if that's\n\nChannel 1: Yep.\n\nChannel 0: looking good, I will always do, like, a reduction with the current provider, and then I'll just go through the software and quote with everybody and see if someone offers a better deal as well.\n\nChannel 1: Yeah. Yeah. Yeah. Yep. Yep.\n\nChannel 0: Cool. But\n\nChannel 1: Yep. That\n\nChannel 0: at\n\nChannel 1: sounds\n\nChannel 0: this point,\n\nChannel 1: good.\n\nChannel 0: you're happy to just kinda let that run until the next anniversary?\n\nChannel 1: Yeah. Yeah. Definitely. Definitely. Yep.\n\nChannel 0: Okay. Can do. Estate planning wise, let me just quickly double check. I'm assuming did you get a a will in place in the last three months? I can't imagine it was your biggest priority, but\n\nChannel 1: No. No. No. It's been crazy lately, but yes. But but we have spoken about it a number of times.\n\nI mean, the water that we just but he haven't worked on the ground bill. That's the problem.\n\nChannel 0: Cool.\n\nChannel 1: Is\n\nChannel 0: Well,\n\nChannel 1: that something\n\nChannel 0: here's\n\nChannel 1: you can\n\nChannel 0: your\n\nChannel 1: help with for?\n\nChannel 0: No. There is some information that I I tend to give. Like, I we're not lawyers, so we can't draft them up.\n\nChannel 1: No. Right.\n\nChannel 0: But outside of lawyers, you've got the public trustee of the state,\n\nChannel 1: Yep.\n\nChannel 0: you know, the\n\nChannel 1: Yes.\n\nChannel 0: courthouse. They do\n\nChannel 1: Yes.\n\nChannel 0: appointments.\n\nChannel 1: Yep.\n\nChannel 0: You\n\nChannel 1: Yep.\n\nChannel 0: can get, like, will kits from the Australia Post that are government approved for $25 a pop and\n\nChannel 1: Yep.\n\nChannel 0: the power of attorney kit as well.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: Look, they're not the best, but they're government approved.\n\nChannel 1: No.\n\nChannel 0: And\n\nChannel 1: Yeah.\n\nChannel 0: if it's basic,\n\nChannel 1: And\n\nChannel 0: it\n\nChannel 1: then\n\nChannel 0: may\n\nChannel 1: that's you're just doing that all yourself too much. So where if you go to an actual solicitor or something like that, at least I know every aspect of it that you need to be sort of covering.\n\nChannel 0: Yeah. Exactly. So if you're doing it\n\nChannel 1: Yeah.\n\nChannel 0: yourself, you're getting, you know, JPs and witnesses and everything to sign off\n\nChannel 1: Yeah.\n\nChannel 0: on it.\n\nChannel 1: Yeah.\n\nChannel 0: But it's just kind of, like, easy if it's basic\n\nChannel 1: Yeah.\n\nChannel 0: because it's pretty straightforward.\n\nChannel 1: Yeah.\n\nChannel 0: But,\n\nChannel 1: Yeah.\n\nChannel 0: yeah, it's\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: not\n\nChannel 1: Yeah.\n\nChannel 0: as good.\n\nChannel 1: Yeah. Yeah. I understand. Yep. Yep.\n\nNo. No. No. It's good. Yep.\n\nIf you can\n\nChannel 0: Beneficiaries.\n\nChannel 1: just just help me out with that password again, though, that'll if you could organize something with that, that'll be good because\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: I think I don't know what happened there. We talked about six months ago or something and don't know. If I got locked out or something, then I couldn't get back into it.\n\nChannel 0: I have noticed that\n\nChannel 1: Something to do with an authentication or something like that. They wanted\n\nChannel 0: yes.\n\nChannel 1: a new yeah. No. I tried\n\nChannel 0: Everyone's\n\nChannel 1: it, and I just can't\n\nChannel 0: gonna\n\nChannel 1: get\n\nChannel 0: be\n\nChannel 1: it to work.\n\nChannel 0: that two factor authentication's a bit it can\n\nChannel 1: Yeah.\n\nChannel 0: be quite painful. I've gotta log in\n\nChannel 1: Yes.\n\nChannel 0: to four different systems when I get into work of the day.\n\nChannel 1: Yeah. Right. Yep.\n\nChannel 0: But it is yeah. It's one of those ones where it's like you got your password. Good. It pings you a message to your phone or an authenticator app, and they can be a bit fiddly. But\n\nChannel 1: Yep.\n\nChannel 0: I'll\n\nChannel 1: Yeah.\n\nChannel 0: I'll try and get that reset for you as well.\n\nChannel 1: Yeah.\n\nChannel 0: I've heard\n\nChannel 1: Because\n\nChannel 0: that\n\nChannel 1: it\n\nChannel 0: a lot\n\nChannel 1: looks\n\nChannel 0: the last couple of weeks.\n\nChannel 1: because there's something about you have to skew it just scan a QR code and yeah. I was trying yeah. I tried to work, but I just couldn't bother to get it. But anyway, we'll have\n\nChannel 0: Oh, yeah.\n\nChannel 1: another go. If you can try\n\nChannel 0: Yeah. It can\n\nChannel 1: and\n\nChannel 0: do. And, look,\n\nChannel 1: try\n\nChannel 0: it is one of those\n\nChannel 1: and\n\nChannel 0: things where once\n\nChannel 1: reset\n\nChannel 0: you figure out\n\nChannel 1: them,\n\nChannel 0: how those work,\n\nChannel 1: then\n\nChannel 0: it kind\n\nChannel 1: I'll\n\nChannel 0: of it's not\n\nChannel 1: have\n\nChannel 0: too bad,\n\nChannel 1: another\n\nChannel 0: but\n\nChannel 1: go\n\nChannel 0: the first time\n\nChannel 1: with\n\nChannel 0: is is just\n\nChannel 1: it.\n\nChannel 0: so confusing.\n\nChannel 1: Yep.\n\nChannel 0: You download\n\nChannel 1: Yeah.\n\nChannel 0: an app. You scan a QR code. It starts giving you a code that counts down for thirty seconds. You've got to input it before it runs out of time. It's not the most fun thing, but they've got to do it these days.\n\nChannel 1: Yeah. Yeah. We try to spend all the security and stuff with you know? That's a good thing, I suppose, because then you you know, no one's getting into your file or anything.\n\nChannel 0: Yeah. Especially what happened the last couple of years with Optus and a few others.\n\nChannel 1: Yes. That's right. Yeah. Yeah. Yeah.\n\nChannel 0: So I'll get Caitlin to help out with that. And it may even be a thing of, like, we'll reset it. But even if you want to I don't know. Even if we would do, like, a phone call where we walk you through it at the time, And whatever troubleshooting you need, we we'll be able to help you out because,\n\nChannel 1: Yep.\n\nChannel 0: again,\n\nChannel 1: Yep.\n\nChannel 0: most of the people in the office, we're all millennials. We're we're used to these authenticator apps at work. So if we can help, we definitely will.\n\nChannel 1: Yeah. Sure. That sounds good.\n\nChannel 0: Last thing is Melissa is listed as your beneficiary for the super. So\n\nChannel 1: Yep.\n\nChannel 0: I'm assuming we're just leaving that as is for the time being.\n\nChannel 1: Yep. Yep. Yep.\n\nChannel 0: Sensational. So quick recap. Portfolio is going well. Contributions have started to roll in. Focus on the mortgage and the car.\n\nWe will touch base on the policy before the next anniversary, try and get those premiums down. We'll focus on some contribution advice later on. If there's anything that goes alright in the markets, we may need to update your portfolio again, but so far so good.\n\nChannel 1: Yep.\n\nChannel 0: Sixty plus will transition you to either part time or do a recontribution strategy, and then hopefully all good by '65, '67.\n\nChannel 1: Sounds awesome.\n\nChannel 0: Alrighty. Any questions for me at this point?\n\nChannel 1: No. I don't think so. We've we've covered everything.\n\nChannel 0: Perfect. So you did sign the ongoing service agreement with us, so that's been applied. We still have access to your Netwealth, look after things. I'm just gonna have a quick\n\nChannel 1: Was\n\nChannel 0: look,\n\nChannel 1: that the\n\nChannel 0: make\n\nChannel 1: one\n\nChannel 0: sure\n\nChannel 1: that was\n\nChannel 0: that's\n\nChannel 1: just blocked last week or whatever it was or something? And someone rang me last week and said something about, oh, there was something missed back in when we ever done out of March or February, March or whenever it was, and they sent me another one. Is that the one\n\nChannel 0: Yeah.\n\nChannel 1: you're\n\nChannel 0: That's\n\nChannel 1: talking about?\n\nChannel 0: right.\n\nChannel 1: Yeah.\n\nChannel 0: It's\n\nChannel 1: Yeah.\n\nChannel 0: all\n\nChannel 1: I've\n\nChannel 0: it's\n\nChannel 1: done\n\nChannel 0: just\n\nChannel 1: that\n\nChannel 0: the\n\nChannel 1: last week and sent it\n\nChannel 0: perfect.\n\nChannel 1: oh, I think I did. I signed it and thought I sent it off anyway. So you\n\nChannel 0: No.\n\nChannel 1: got\n\nChannel 0: It's all perfect. It's been\n\nChannel 1: it.\n\nChannel 0: applied.\n\nChannel 1: We're\n\nChannel 0: It runs\n\nChannel 1: all\n\nChannel 0: through until\n\nChannel 1: good.\n\nChannel 0: roundabout\n\nChannel 1: Yep.\n\nChannel 0: June 2027\n\nChannel 1: Yep.\n\nChannel 0: in terms\n\nChannel 1: No.\n\nChannel 0: of\n\nChannel 1: Yeah.\n\nChannel 0: your consent for us. That's all good. Normally, let's say we don't reach you in June. They still have, like, a hundred and twenty, hundred and fifty days before they sort of kick us off the account kind of thing.\n\nChannel 1: Oh, I wrote it. Yes. Yep.\n\nChannel 0: So we'll always get in touch with you beforehand and and\n\nChannel 1: In\n\nChannel 0: do\n\nChannel 1: that\n\nChannel 0: that\n\nChannel 1: period,\n\nChannel 0: review.\n\nChannel 1: sir. Yes. Yes.\n\nChannel 0: Yep. But I wanna speak to you beforehand because, again, March is when the next anniversary is.\n\nChannel 1: Yep.\n\nChannel 0: So in the New Year, I definitely wanna touch base possibly in six months' time in in January, February. And as soon as I've got that anniversary notice, I can walk you through it.\n\nChannel 1: Yep. That's good, mate. Yep. Sounds good.\n\nChannel 0: Amazing. Anything else I can do for you before I let you go?\n\nChannel 1: No. Not that I can no. Not sounds good. Sounds\n\nChannel 0: Alright,\n\nChannel 1: like you got\n\nChannel 0: mate.\n\nChannel 1: it under control for me.\n\nChannel 0: So far so good. As long as the world stops blowing up in the background, we'll be fine,\n\nChannel 1: Oh, yeah.\n\nChannel 0: but we're doing our best.\n\nChannel 1: Yeah. Has that not had much effect on any of the any of the markets?\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Oh, no.\n\nChannel 0: Like,\n\nChannel 1: Trumpy.\n\nChannel 0: when\n\nChannel 1: Yeah.\n\nChannel 0: we hit December and there was a peak in every asset, everyone was at a huge high. And then\n\nChannel 1: Yep.\n\nChannel 0: as soon as Christmas happened, we went away, closed the office up, and then the market just started tanking till the end of March. And\n\nChannel 1: Mhmm.\n\nChannel 0: when I had that conversation with you in March, that was the bottom where it already dropped, like, 10%. And\n\nChannel 1: Yeah.\n\nChannel 0: so we got the new investments in in time, which was good. And so when the markets bounced back,\n\nChannel 1: Right.\n\nChannel 0: really\n\nChannel 1: Yep.\n\nChannel 0: strong bounce back. So\n\nChannel 1: Yeah.\n\nChannel 0: back\n\nChannel 1: Yep.\n\nChannel 0: up to where it should be.\n\nChannel 1: Yeah. Right. Yeah. But is that just getting there now, or is it to the was it a quick turnaround sort of thing\n\nChannel 0: It\n\nChannel 1: from\n\nChannel 0: was about six weeks.\n\nChannel 1: right.\n\nChannel 0: So\n\nChannel 1: From one end. So\n\nChannel 0: decently\n\nChannel 1: yeah.\n\nChannel 0: quick. Yeah. From\n\nChannel 1: Yep.\n\nChannel 0: from the bottom six weeks to get back up, which was pretty good. Worst case scenario, so I don't know if you remember the GFC back in 08/00/2009.\n\nChannel 1: No. Not really.\n\nChannel 0: So we had that big financial crisis\n\nChannel 1: Yeah.\n\nChannel 0: wiped out half the stock market, took five years to get back up.\n\nChannel 1: Oh, shit. Yeah. Right. Well,\n\nChannel 0: So\n\nChannel 1: well, I don't mean that bad then.\n\nChannel 0: yeah. So but rest rest assured, like, when we factor in the advice, I actually assume that one of those events will happen once every decade anyway, And we still have to get people to their retirement goals mixing in that there's gonna be an explosion every decade and\n\nChannel 1: Yeah.\n\nChannel 0: still get that average over the ten years.\n\nChannel 1: Yeah. Yeah. Lay on to that too. Okay.\n\nChannel 0: Yeah. So, basically, if your account jumps up 20% a year for five years, that's amazing. It'll crash\n\nChannel 1: Yep.\n\nChannel 0: about a third and\n\nChannel 1: Yep.\n\nChannel 0: then bounce back up again for another five years. We don't want that cycle to be happening again, like, a month before you retire. So we repeat that to grow it. But then when you're hitting that late fifties, that's why I was saying\n\nChannel 1: Yep.\n\nChannel 0: we reduce your\n\nChannel 1: Yep.\n\nChannel 0: exposure to the stock market.\n\nChannel 1: Yeah. Yep. Yep.\n\nChannel 0: Cool.\n\nChannel 1: Yep. Very good. Alright, mate.\n\nChannel 0: Alright,\n\nChannel 1: I'll let\n\nChannel 0: Grant.\n\nChannel 1: you go.\n\nChannel 0: Thank you so much for your time today, and, may I will pencil in to reach out to you in the new year?\n\nChannel 1: Alright. No worries. Thanks very much.\n\nChannel 0: Awesome. Have a great week. Cheers.\n\nChannel 1: You too. See you. Bye.","paragraphs":[{"sentences":[{"text":"Grant speaking.","start":1.04,"end":2.02,"sentiment":"neutral","sentiment_score":0.03031488973647356}],"sentiment":"neutral","sentiment_score":0.03031488973647356,"channel":1,"num_words":2,"start":1.04,"end":2.02},{"sentences":[{"text":"Good evening, Grant.","start":2.72,"end":4.0,"sentiment":"positive","sentiment_score":0.3541622559229533},{"text":"Tommy here from Oakview, mate.","start":4.0,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.2653209060430527},{"text":"How you been?","start":5.3599997,"end":6.18,"sentiment":"neutral","sentiment_score":0.18670772512753805}],"sentiment":"neutral","sentiment_score":0.26811040666970337,"channel":0,"num_words":11,"start":2.72,"end":6.18},{"sentences":[{"text":"Oh, I'm not too bad.","start":6.24,"end":7.3599997,"sentiment":"neutral","sentiment_score":0.22905829548835754},{"text":"How are 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just quickly go through security check with you?","start":32.91,"end":36.045,"sentiment":"neutral","sentiment_score":0.05588791959665038}],"sentiment":"neutral","sentiment_score":0.05588791959665038,"channel":0,"num_words":11,"start":32.91,"end":36.045},{"sentences":[{"text":"Yeah.","start":36.26,"end":36.66,"sentiment":"neutral","sentiment_score":0.09853233397006989},{"text":"That's fine.","start":36.66,"end":37.48,"sentiment":"neutral","sentiment_score":0.1757027506828308}],"sentiment":"neutral","sentiment_score":0.14997927844524384,"channel":1,"num_words":3,"start":36.26,"end":37.48},{"sentences":[{"text":"Sensational.","start":37.964996,"end":38.464996,"sentiment":"neutral","sentiment_score":0.18634186685085297},{"text":"So I'm registered with Asik as adviser one two seven three one zero five.","start":39.004997,"end":43.105,"sentiment":"neutral","sentiment_score":0.06554191479725498},{"text":"Could you please confirm your date of birth and 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They discuss reducing risk levels and transitioning contributions for retirement plans, as well as updating the customer's financial situation and portfolio. The conversation ends with the agent reminding the customer to review loan details and emphasizing the importance of reducing exposure to the stock market. They also discuss updating the customer's portfolio and the possibility of a slowdown in the market."},"intents":{"segments":[{"text":"Good That's to hear, probably mate. what it that's what it would say on the web app if I looked it up, I'm sure.","start_word":63,"end_word":86,"intents":[{"intent":"Manage web app","confidence_score":0.00007478049}]},{"text":"mind if I just quickly go through security check with you? Yeah.","start_word":107,"end_word":118,"intents":[{"intent":"Check security check","confidence_score":0.08366974}]},{"text":"Now one thing I wanted to go through with you today was we went through a bit of an update to your strategy in March together. And so Yep.","start_word":165,"end_word":193,"intents":[{"intent":"Review strategy update","confidence_score":0.058710586}]},{"text":"Probably just the growth, really. Yeah.","start_word":265,"end_word":270,"intents":[{"intent":"Discuss growth","confidence_score":0.2550737}]},{"text":"Would you Yeah. like us to do a bit of, like, a password reset for your login? Would that help?","start_word":311,"end_word":330,"intents":[{"intent":"Troubleshoot login issue","confidence_score":0.0072057624}]},{"text":"I'll get Caden to help reset the Netwealth login.","start_word":357,"end_word":365,"intents":[{"intent":"Reset netwealth login","confidence_score":0.3487537}]},{"text":"I'll get Caden to help reset the Netwealth login. Any drama with that, just let him know, and he can help you through it and Yeah.","start_word":357,"end_word":382,"intents":[{"intent":"Get caden to assist with system update and update information","confidence_score":1.145582e-7}]},{"text":"I will do a little bit of an update of your details. I know it's only been a few months, but just to make sure it's all accurate on the new system there as well.","start_word":396,"end_word":430,"intents":[{"intent":"Update details and details","confidence_score":0.003390757}]},{"text":"And will you be able to look onto the emails with me today, or should I just walk you through what I've sent?","start_word":431,"end_word":453,"intents":[{"intent":"Look at emails and confirm account status","confidence_score":0.000120468474}]},{"text":"I go through the figures with you, I just wanna double check a few things. So Yep. in terms of circumstances, so we've got married with two children, one moved out, one still at home. We've got address, email. In terms of email, let's just have a look. The Outlook Yep. is still okay. Yeah. Yeah. Yep. Perfect. Store manager on about 100,000 for income and employment. Yep.","start_word":540,"end_word":607,"intents":[{"intent":"Verify account balance and balance","confidence_score":0.0010566573}]},{"text":"So the home we had I'll do a bit of an updated valuation here, but you were only owing about 270,000 at the time. Has that changed quite a lot? Or Oh, no.","start_word":626,"end_word":658,"intents":[{"intent":"Check finances and home equity","confidence_score":2.2333523e-7}]},{"text":"I'm just gonna grab this updated evaluation. I think we had it at $8.50 at the time, and I know the market's jumped up this year pretty well. Yeah.","start_word":680,"end_word":708,"intents":[{"intent":"Review market trends","confidence_score":0.019731943}]},{"text":"So I did also send you an asset breakdown with every single investment option and what each one has been doing. Now the main thing I wanted to kind of point out here is I've gone through all of them before this call just to make sure what I've Yep. put in place is doing its thing. Yep.","start_word":1023,"end_word":1080,"intents":[{"intent":"Assess investment options","confidence_score":0.03359843}]},{"text":"You've got 80% give or take in your growth assets. You're not in high risk. As you get closer to retirement, those last seven Yep. years, we're gonna slowly reduce it down to 70, 60, 50, 40, and that's Yeah.","start_word":1375,"end_word":1414,"intents":[{"intent":"Reduce investment rate","confidence_score":0.00041584327}]},{"text":"Around the 60 or 40, 60 year old. Yeah.","start_word":1432,"end_word":1440,"intents":[{"intent":"Set retirement age","confidence_score":0.11296201}]},{"text":"So a for now, it's still gonna be aiming for yeah. that nine to 10 Yep. percent or above, Yep. and it's Yep. gonna be bouncing up and down 10 to 20% a year. Yeah.","start_word":1473,"end_word":1507,"intents":[{"intent":"Boost retirement goals","confidence_score":0.024973258}]},{"text":"With the contributions and the portfolio you've got, that's looking very, very strong. In terms of the retirement goal, I think you should be pretty well fine. Now So with the contributions that I'm doing, like, you know, over the next few years that I would hope to would up that. Is it worth would it be worth it? definitely would be.","start_word":1519,"end_word":1580,"intents":[{"intent":"Make contributions","confidence_score":0.018574575}]},{"text":"you can access it again.","start_word":1604,"end_word":1608,"intents":[{"intent":"Access super","confidence_score":0.7391803}]},{"text":"So what we basically do is smash Yeah. out the mortgage first, Yep. then we can up the contributions. When you hit 60, we can do a a transition strategy where you can access up to 10% of your super, and we call it a recontribution.","start_word":1668,"end_word":1713,"intents":[{"intent":"Plan future strategy","confidence_score":0.0006144385}]},{"text":"mean, I'll probably pay you as as management. I'd probably only wouldn't look at doing that. It might be another ten, Yeah.","start_word":1910,"end_word":1931,"intents":[{"intent":"Manage super payments","confidence_score":0.006090519}]},{"text":"But that 13 wait has really kept a lid on the premiums as well. Because if we had it down as a full week, it probably will be another fifteen Okay. 100 on top.","start_word":2264,"end_word":2297,"intents":[{"intent":"Clarify premiums","confidence_score":0.0016956563}]},{"text":"yourself, you're getting, you know, JPs and witnesses and everything to sign off Yeah. on it.","start_word":2731,"end_word":2746,"intents":[{"intent":"Login with jps and witnesses","confidence_score":0.000002378969},{"intent":"Troubleshoot jps","confidence_score":0.00019769484}]},{"text":"If you can Beneficiaries. just just help me out with that password again, though, that'll if you could organize something with that, that'll be good because Yeah.","start_word":2785,"end_word":2811,"intents":[{"intent":"Help with password","confidence_score":0.29488862}]},{"text":"I've heard Because that it a lot looks the last couple of weeks. because there's something about you have to skew it just scan a QR code and yeah.","start_word":2964,"end_word":2992,"intents":[{"intent":"Download qr code","confidence_score":0.13461143}]},{"text":"I've heard Because that it a lot looks the last couple of weeks. because there's something about you have to skew it just scan a QR code and yeah. I was trying yeah.","start_word":2964,"end_word":2996,"intents":[{"intent":"Reset qr code","confidence_score":0.22703423}]},{"text":"So I'll get Caitlin to help out with that. And it may even be a thing of, like, we'll reset it.","start_word":3171,"end_word":3191,"intents":[{"intent":"Reset qr code","confidence_score":0.09167398}]},{"text":"Focus on the mortgage and the car.","start_word":3311,"end_word":3317,"intents":[{"intent":"Focus on mortgage and car","confidence_score":0.0077210707}]},{"text":"Sixty plus will transition you to either part time or do a recontribution strategy, and then hopefully all good by '65, '67. Sounds awesome.","start_word":3366,"end_word":3389,"intents":[{"intent":"Transition to part-time strategy","confidence_score":0.03175106}]},{"text":"Any questions for me at this point?","start_word":3391,"end_word":3397,"intents":[{"intent":"Ask questions","confidence_score":0.077221386}]},{"text":"We still have access to your Netwealth, look after things. I'm just gonna have a quick Was look, that the make one sure that was that's just blocked last week or whatever it was or something?","start_word":3422,"end_word":3457,"intents":[{"intent":"Check account status","confidence_score":0.06065124}]},{"text":"we hit December and there was a peak in every asset, everyone was at a huge high. And then Yep.","start_word":3770,"end_word":3789,"intents":[{"intent":"Discuss investor performance","confidence_score":0.00026897946}]},{"text":"Worst case scenario, so I don't know if you remember the GFC back in 08/00/2009. No. Not really.","start_word":3926,"end_word":3943,"intents":[{"intent":"Discuss gfc","confidence_score":0.13716146}]},{"text":"So we had that big financial crisis Yeah. wiped out half the stock market, took five years to get back up. Oh, shit.","start_word":3944,"end_word":3966,"intents":[{"intent":"Discuss financial crisis","confidence_score":0.033578105},{"intent":"Discuss financial crisis","confidence_score":0.1407508},{"intent":"Discuss financial crisis","confidence_score":0.10760767},{"intent":"Discuss financial crisis","confidence_score":0.04590923}]},{"text":"So but rest rest assured, like, when we factor in the advice, I actually assume that one of those events will happen once every decade anyway, And we still have to get people to their retirement goals mixing in that there's gonna be an explosion every decade and Yeah.","start_word":3979,"end_word":4027,"intents":[{"intent":"Discuss retirement goals","confidence_score":0.25285125}]},{"text":"So but rest rest assured, like, when we factor in the advice, I actually assume that one of those events will happen once every decade anyway, And we still have to get people to their retirement goals mixing in that there's gonna be an explosion every decade and Yeah. still get that average over the ten years. Yeah.","start_word":3979,"end_word":4036,"intents":[{"intent":"Discuss retirement projections","confidence_score":0.00008168682}]}]},"sentiments":{"segments":[{"text":"Grant speaking.","start_word":0,"end_word":1,"sentiment":"neutral","sentiment_score":0.03158869594335556},{"text":"Good evening, Grant.","start_word":2,"end_word":4,"sentiment":"positive","sentiment_score":0.3519684076309204},{"text":"Tommy here from Oakview, mate. How you been? Oh, I'm not too bad. How are you? I'm living the dream. It's freezing and wet on the Gold Coast. What about your end? Oh, it's I wouldn't say it's warm, but it's nice and It's it's pleasant. clear. We'll Yes.","start_word":5,"end_word":53,"sentiment":"neutral","sentiment_score":0.16669383645057678},{"text":"go with pleasant and clear. It's pleasant. Fantastic.","start_word":54,"end_word":61,"sentiment":"positive","sentiment_score":0.497450053691864},{"text":"Yes. Good That's to hear, probably mate. what it that's what it would say on the web app if I looked it up, I'm sure. Absolutely. Now I've got a bit of an annual review pack I'm gonna email through to you. Do you Yep. mind if I just quickly go through security check with you? Yeah. That's fine. Sensational. So I'm registered with Asik as adviser one two seven three one zero five. Could you please confirm your date of birth and address? Yep. Twenty nine per second. 197685 Harvard Road, Griffith, New South Wales 2688. Sensational.","start_word":62,"end_word":159,"sentiment":"neutral","sentiment_score":0.11512666940689088},{"text":"Thank you for that, Grant.","start_word":160,"end_word":164,"sentiment":"positive","sentiment_score":0.5472404956817627},{"text":"Now one thing I wanted to go through with you today was we went through a bit of an update to your strategy in March together. And so Yep. what I've basically put together is how's everything been going since we implemented it and Yeah. Yeah. just to talk through any other changes in your circumstance and if there's any other strategies we need to look at today as well. Yeah. Yep. Now in particular, is there anything that you would be hoping to get out of this conversation that you would like to focus on as well? No. No. Probably just the growth, really. Yeah. I don't know. I Absolutely. don't I don't even know where it's at. I don't even because I can't even get into the app anymore, so I don't even know how where it's even at or how Okay. it's performing. Would you Yeah. like us to do a bit of, like, a password reset for your login? Would that help? If you if you could do. I tried to have Yeah. a go with it there once before.","start_word":165,"end_word":348,"sentiment":"neutral","sentiment_score":-0.00644223098567201},{"text":"I couldn't bloody work it out.","start_word":349,"end_word":354,"sentiment":"negative","sentiment_score":-0.4907640516757965},{"text":"That's alright. I'll get Caden to help reset the Netwealth login. Any drama with that, just let him know, and he can help you through it and Yeah. Yep. liaise with them on your behalf as Yep. Yep. Yep. well. Sensational. I will do a little bit of an update of your details. I know it's only been a few months, but just to make sure it's all accurate on the new system there as well. And will you be able to look onto the emails with me today, or should I just walk you through what I've sent? Probably just walk through at the moment because, you know, I'm on the phone. So that's Yeah. what No. it's That's on. totally Yeah. fine. Yeah. Alright.","start_word":355,"end_word":480,"sentiment":"neutral","sentiment_score":0.0907917246222496},{"text":"Now good news is everything has been going really well since we implemented the advice. So I just wanted to, first of all, thank you for engaging with me in that updated strategy. And Yep. we went through that, and things have been really picking up pretty well since Uh-huh.","start_word":481,"end_word":530,"sentiment":"positive","sentiment_score":0.561337411403656},{"text":"that that was Yep. put in place. Before Yep. I go through the figures with you, I just wanna double check a few things. So Yep. in terms of circumstances, so we've got married with two children, one moved out, one still at home. We've got address, email. In terms of email, let's just have a look. The Outlook Yep. is still okay. Yeah. Yeah. Yep. Perfect. Store manager on about 100,000 for income and employment. Yep. And just I'm checking that still with Reece Plumbing. Correct? It is. Yep. Yeah.","start_word":531,"end_word":621,"sentiment":"neutral","sentiment_score":0.0741095095872879},{"text":"Fantastic.","start_word":622,"end_word":622,"sentiment":"positive","sentiment_score":0.3875558078289032},{"text":"Assets and liabilities. So the home we had I'll do a bit of an updated valuation here, but you were only owing about 270,000 at the time. Has that changed quite a lot? Or Oh, no. It's just coming up down a little bit. Not a rule at at the moment. No. yep. No Yeah. worries. I'm just gonna grab this updated evaluation. I think we had it at $8.50 at the time, and I know the market's jumped up this year pretty well. Yeah. So I'm still seeing around about the $8.50 mark online, Yes. if that's okay. Yep. Yep.","start_word":623,"end_word":723,"sentiment":"neutral","sentiment_score":0.043844345034939225},{"text":"Perfect.","start_word":724,"end_word":724,"sentiment":"positive","sentiment_score":0.5398639440536499},{"text":"Two cars, and we had about 35,000 in savings. Oh, I only have one car at the moment. I got rid of one. Oh, sorry. I did have two car the last Yep. car, and I used to have a Ute. And I've also got the old car that I'm doing up, but but I sold my ute because I've got a work vehicle now, so there's no point having it just sitting there. Yeah. Absolutely. So I did have that down as one of the goals for the vehicle restoration. You were putting a bit of cash flow into that. They are still still working on that one.","start_word":725,"end_word":833,"sentiment":"neutral","sentiment_score":0.06271050125360489},{"text":"Fantastic. So we'll have that as a current goal. Brilliant.","start_word":834,"end_word":843,"sentiment":"positive","sentiment_score":0.5565670728683472},{"text":"And with the the value of that leftover car, what would the resale be just off the top of your head? Sorry. Which one? The one I sold or the one The one that the you've the currently got. oh, the one we've got in here are it'd be probably around 38, I reckon. Yep. Alrighty. Work vehicle as well. And the savings, 35,000. Has that gone up or down? Yeah. No. That's probably I suffer in a 100, I reckon. A 100 Roughly thousand. rough guess. Yeah. Amazing.","start_word":844,"end_word":932,"sentiment":"neutral","sentiment_score":-0.013462536968290806},{"text":"That is fantastic.","start_word":933,"end_word":935,"sentiment":"positive","sentiment_score":0.4526740312576294},{"text":"Alright. Now we've put in place so I was having a look at the the network server. So when we did that advice strategy, it was bouncing between about 228 to $230,000. Since then, it's jumped up to $2.47. So you've had $8 of contributions go in. You had your premiums for the insurances come out, and then another 15,000 of growth on top of that. So it's bounced back a solid six and a half percent in just a few months.","start_word":936,"end_word":1017,"sentiment":"neutral","sentiment_score":0.17521615326404572},{"text":"Yeah. That's very good.","start_word":1018,"end_word":1021,"sentiment":"positive","sentiment_score":0.5364065766334534},{"text":"So I did also send you an asset breakdown with every single investment option and what each one has been doing. Now the main thing I wanted to kind of point out here is I've gone through all of them before this call just to make sure what I've Yep. put in place is doing its thing. Yep. Gold's taken a bit of a drop since its peak at Christmas. That's fair enough. Yep. It goes up a 160%. Can't expect it to go up 300%. So that's fair enough. The Bennelong option that we replaced, that was down about 26%.","start_word":1022,"end_word":1122,"sentiment":"neutral","sentiment_score":0.013773854821920397},{"text":"Now your Australian shares are back up to par. They've kind Yep. of gone back up into the neutral territory, so that's good.","start_word":1123,"end_word":1145,"sentiment":"positive","sentiment_score":0.4119831323623657},{"text":"Yep. Yep. Yep. Yep.","start_word":1146,"end_word":1149,"sentiment":"neutral","sentiment_score":0.17045652866363523},{"text":"International shares, all great.","start_word":1150,"end_word":1153,"sentiment":"positive","sentiment_score":0.46381473541259766},{"text":"I think there was a global tech companies was down a little bit, but your health care has jumped up.","start_word":1154,"end_word":1173,"sentiment":"neutral","sentiment_score":0.2116118222475052},{"text":"Your battery tech and lithium's jumped up. Cybersecurity's jumped up. Your American shares have jumped up, and your fixed interest safe options have jumped up as well.","start_word":1174,"end_word":1200,"sentiment":"positive","sentiment_score":0.4159112870693207},{"text":"So I don't have any concerns on my end from any of the options.","start_word":1201,"end_word":1214,"sentiment":"neutral","sentiment_score":0.15381839871406555},{"text":"They're Yep.","start_word":1215,"end_word":1216,"sentiment":"positive","sentiment_score":0.3657576441764831},{"text":"kind of behaving now as I would have wanted them to previously and Yep. in line with what the market's doing as well. Yeah. Alright. Yep. Yep. Yep.","start_word":1217,"end_word":1244,"sentiment":"neutral","sentiment_score":0.24975597858428955},{"text":"Cool.","start_word":1245,"end_word":1245,"sentiment":"positive","sentiment_score":0.366023302078247},{"text":"The salary sacrifice has gone in as well. The first one came through last month for the 400, so that's gonna Mhmm. start picking things up as well a little bit quicker. Yep. Yep. Quick thing I wanted to ask you just Yep. in terms of the super. So risk level. So we've got a little bit of time ahead of us still. Again, ten years until you can access the super. Age pension's in seventeen years, so we still got a bit of time to get some growth out of it. Yep. And then Yep. I always mention, Yeah. like I did previously, we're gonna reduce the risk at some point. Yeah. So Yeah. you're in growth at the moment. You're in that four out of five. You've got 80% give or take in your growth assets. You're not in high risk. As you get closer to retirement, those last seven Yep. years, we're gonna slowly reduce it down to 70, 60, 50, 40, and that's Yeah. kind I of was you're just in gonna pension. say what age do you roughly do that about? Around the 60 or 40, 60 year old. Yeah. So if you're retiring at 67, we'd probably start it at 60 or just before. Yep. If we're retiring Yep. earlier, we'll start it in the late fifties. Yeah.","start_word":1246,"end_word":1469,"sentiment":"neutral","sentiment_score":0.0419944737638746},{"text":"You're on Cool.","start_word":1470,"end_word":1472,"sentiment":"positive","sentiment_score":0.3545236587524414},{"text":"So a for now, it's still gonna be aiming for yeah. that nine to 10 Yep. percent or above, Yep. and it's Yep. gonna be bouncing up and down 10 to 20% a year. Yeah. You're on a yep. K?","start_word":1473,"end_word":1512,"sentiment":"neutral","sentiment_score":0.2050255686044693},{"text":"So risk level is all good. With the contributions and the portfolio you've got, that's looking very, very strong. In terms of the retirement goal, I think you should be pretty well fine.","start_word":1513,"end_word":1545,"sentiment":"positive","sentiment_score":0.5233822464942932},{"text":"Now So with the contributions that I'm doing, like, you know, over the next few years that I would hope to would up that. Is it worth would it be worth it? definitely would be. It just depends on competing priorities. So any money you put into super gets locked away until 60 or above Yeah. when Yep. you can access it again. So you don't wanna pile everything in there, Yep. and No. then No. you're still No. trying Yep. to, you know, do the car up and finish off the mortgage and things like that. Yeah. Yeah. Yeah. No. So that'll be probably, like, more when the mortgage want hopefully, it might be wiped and stuff like that. Exactly. Right. So what we basically do is smash Yeah. out the mortgage first, Yep. then we can up the contributions. When you hit 60, we can do a a transition strategy where you can access up to 10% of your super, and we call it a recontribution. Well, we basically pull a chunk out and put it back in again for a tax deduction. No. And Yeah. the difference Yeah. between your 37% or your 32% and the 15, well, that just goes in as cream on top to boost up the super without impacting your pay. No. I don't know. Yep. So Yep. the Yep. aim of Okay. the game is just get good growth out of it, get good contributions in, pay off the Yep. mortgage at 60. We'll do a transition strategy. And then when you've got enough, you can hang up the boots, and we can put you in pension phase.","start_word":1546,"end_word":1821,"sentiment":"neutral","sentiment_score":0.0754772092661132},{"text":"Sounds good.","start_word":1822,"end_word":1823,"sentiment":"positive","sentiment_score":0.5727161169052124},{"text":"And then we get Just to say, gotta get bon there. voyage.","start_word":1824,"end_word":1835,"sentiment":"neutral","sentiment_score":0.22461439669132233},{"text":"Go on your holiday. Yeah. Enjoy your life.","start_word":1836,"end_word":1843,"sentiment":"positive","sentiment_score":0.4712271392345429},{"text":"Here's your monthly pension payment coming out. Send us some photos back, and we'll hang them up in the office. Yep. That's still a few years away yet, though. Absolutely. But we'll get there. We'll get there. Still spring chickens, but I'm imagining you're getting to a point where you're like, I don't wanna keep doing this for another thirty. No. Oh, she's nice. I Absolutely. mean, I'll probably pay you as as management. I'd probably only wouldn't look at doing that. It might be another ten, Yeah. And possibly. one thing that we can do is when you're in the sixties is if you're going really well in the balance, we can use that transition, pull out a bit of your super, and you can just go part time. I've got a lot of clients there that go down to three days a week and supplement Yeah. it with a bit of Yeah. super Yeah. and still Yeah. have enough to retire on after '65, '67. Yeah. Yeah. Yeah. Yeah. Yeah. That sounds anyway, Sensational. we'll see we'll see where where what position we're in when we get to that stage. Yeah. Yeah. Absolutely. That's a long The way thing away. I've got to keep an eye on your premiums for the insurances. I did speak to you last time Yes. about the Yep. anniversary that was coming out. Yep. So that's come out just after we did that advice document couple of weeks Mhmm. later. Just Yep. bear in mind that after the tax rebate, it's still $4.5, so it's it's getting up there. Yep. Yep. Yep. When you get your next anniversary around January, February, it will probably jump Yep. up again, and it wouldn't surprise me if it was $66,500 at that point. Yeah. You're right. Yep. Yep. So But just I still to quickly need cap to keep what you that coverage at the moment. Yeah. yeah. That's Correct. the problem. So a million dollars worth of life and TPD cover to cover the mortgage, give you leftover for the family, and then you've Yeah. got your income protection as well for Yeah. that Yeah. 6,200 a month. Yeah. Yep. Yep. Yep. Yes. Just bear in mind, waiting period for the income protection is thirteen weeks. Benefit period is five years. Yep. If Yep. anything happens to you, give us a buzz, and we'll help you do the claims advice and and get the claims going for you. Touch wood, it doesn't happen. Yep. Yep. But that 13 wait has really kept a lid on the premiums as well. Because if we had it down as a full week, it probably will be another fifteen Okay. 100 on top. Yeah. K. Yeah. Yeah. Yeah. So That's alright. one I thing can do. yeah. I I wanna pencil in for a catch up before the next anniversary just to say, okay. This is what it's jumping up like. If you've piled even more savings in and paid down the mortgage, I can look at maybe either trimming it down Yep. or Yep. shopping around. Yeah. Yeah. Yep. Yeah. That's We one. did Yeah. have a Everything. conversation about, like, the CT scans and everything if that rings a bell. Yeah. Yep. Yep. Yep. I think So, we did speak about that.","start_word":1844,"end_word":2398,"sentiment":"neutral","sentiment_score":0.02530294393969549},{"text":"That all went well, though. That was all good. yeah, so since that's all gone pretty well, I think that lines up being able to shop around a bit better.","start_word":2399,"end_word":2428,"sentiment":"positive","sentiment_score":0.45028209686279297},{"text":"And Yeah. You're alright. if that's Yep. looking good, I will always do, like, a reduction with the current provider, and then I'll just go through the software and quote with everybody and see if someone offers a better deal as well. Yeah. Yeah. Yeah. Yep. Yep. Cool. But Yep.","start_word":2429,"end_word":2478,"sentiment":"neutral","sentiment_score":0.20570813119411469},{"text":"That at sounds this point, good. you're happy to just kinda let that run until the next anniversary?","start_word":2479,"end_word":2496,"sentiment":"positive","sentiment_score":0.4189811944961548},{"text":"Yeah. Yeah. Definitely. Definitely. Yep. Okay. Can do. Estate planning wise, let me just quickly double check. I'm assuming did you get a a will in place in the last three months? I can't imagine it was your biggest priority, but No. No. No. It's been crazy lately, but yes. But but we have spoken about it a number of times. I mean, the water that we just but he haven't worked on the ground bill. That's the problem. Cool. Is Well, that something here's you can your help with for? No. There is some information that I I tend to give. Like, I we're not lawyers, so we can't draft them up. No. Right. But outside of lawyers, you've got the public trustee of the state, Yep. you know, the Yes. courthouse. They do Yes. appointments. Yep. You Yep. can get, like, will kits from the Australia Post that are government approved for $25 a pop and Yep. the power of attorney kit as well. Yep. Yeah. Look, they're not the best, but they're government approved. No. And Yeah. if it's basic, And it then may that's you're just doing that all yourself too much. So where if you go to an actual solicitor or something like that, at least I know every aspect of it that you need to be sort of covering. Yeah. Exactly. So if you're doing it Yeah. yourself, you're getting, you know, JPs and witnesses and everything to sign off Yeah. on it. Yeah. But it's just kind of, like, easy if it's basic Yeah. because it's pretty straightforward. Yeah. But, Yeah. yeah, it's Yeah. Yeah. not Yeah. as good. Yeah. Yeah. I understand. Yep. Yep. No. No. No. It's good. Yep. If you can Beneficiaries. just just help me out with that password again, though, that'll if you could organize something with that, that'll be good because Yeah. Absolutely. I think I don't know what happened there. We talked about six months ago or something and don't know. If I got locked out or something, then I couldn't get back into it. I have noticed that Something to do with an authentication or something like that. They wanted yes. a new yeah. No. I tried Everyone's it, and I just can't gonna get be it to work. that two factor authentication's a bit it can Yeah.","start_word":2497,"end_word":2889,"sentiment":"neutral","sentiment_score":-0.017939454129406514},{"text":"be quite painful.","start_word":2890,"end_word":2892,"sentiment":"negative","sentiment_score":-0.4408539533615112},{"text":"I've gotta log in Yes. to four different systems when I get into work of the day. Yeah. Right. Yep. But it is yeah. It's one of those ones where it's like you got your password. Good. It pings you a message to your phone or an authenticator app, and they can be a bit fiddly. But Yep. I'll Yeah. I'll try and get that reset for you as well. Yeah. I've heard Because that it a lot looks the last couple of weeks. because there's something about you have to skew it just scan a QR code and yeah. I was trying yeah. I tried to work, but I just couldn't bother to get it. But anyway, we'll have Oh, yeah. another go. If you can try Yeah. It can and do. And, look, try it is one of those and things where once reset you figure out them, how those work, then it kind I'll of it's not have too bad, another but go the first time with is is just it. so confusing. Yep. You download Yeah. an app. You scan a QR code. It starts giving you a code that counts down for thirty seconds. You've got to input it before it runs out of time. It's not the most fun thing, but they've got to do it these days. Yeah. Yeah. We try to spend all the security and stuff with you know? That's a good thing, I suppose, because then you you know, no one's getting into your file or anything. Yeah. Especially what happened the last couple of years with Optus and a few others. Yes. That's right. Yeah. Yeah. Yeah. So I'll get Caitlin to help out with that. And it may even be a thing of, like, we'll reset it. But even if you want to I don't know. Even if we would do, like, a phone call where we walk you through it at the time, And whatever troubleshooting you need, we we'll be able to help you out because, Yep. again, Yep. most of the people in the office, we're all millennials. We're we're used to these authenticator apps at work. So if we can help, we definitely will. Yeah. Sure.","start_word":2893,"end_word":3264,"sentiment":"neutral","sentiment_score":0.018226297992852428},{"text":"That sounds good.","start_word":3265,"end_word":3267,"sentiment":"positive","sentiment_score":0.43958064913749695},{"text":"Last thing is Melissa is listed as your beneficiary for the super. So Yep. I'm assuming we're just leaving that as is for the time being. Yep. Yep. Yep. Sensational. So quick recap. Portfolio is going well. Contributions have started to roll in. Focus on the mortgage and the car. We will touch base on the policy before the next anniversary, try and get those premiums down. We'll focus on some contribution advice later on. If there's anything that goes alright in the markets, we may need to update your portfolio again, but so far so good. Yep. Sixty plus will transition you to either part time or do a recontribution strategy, and then hopefully all good by '65, '67.","start_word":3268,"end_word":3387,"sentiment":"neutral","sentiment_score":0.17875933647155762},{"text":"Sounds awesome.","start_word":3388,"end_word":3389,"sentiment":"positive","sentiment_score":0.7094826102256775},{"text":"Alrighty. Any questions for me at this point? No. I don't think so. We've we've covered everything.","start_word":3390,"end_word":3406,"sentiment":"neutral","sentiment_score":0.012131602503359318},{"text":"Perfect.","start_word":3407,"end_word":3407,"sentiment":"positive","sentiment_score":0.4500676691532135},{"text":"So you did sign the ongoing service agreement with us, so that's been applied. We still have access to your Netwealth, look after things. I'm just gonna have a quick Was look, that the make one sure that was that's just blocked last week or whatever it was or something? And someone rang me last week and said something about, oh, there was something missed back in when we ever done out of March or February, March or whenever it was, and they sent me another one. Is that the one Yeah. you're That's talking about? right. Yeah. It's Yeah.","start_word":3408,"end_word":3507,"sentiment":"neutral","sentiment_score":0.010585819371044636},{"text":"all I've it's done just that the last week and sent it perfect.","start_word":3508,"end_word":3520,"sentiment":"positive","sentiment_score":0.356898695230484},{"text":"oh, I think I did. I signed it and thought I sent it off anyway. So you No. got It's all perfect. It's been it. applied. We're It runs all through until good. roundabout Yep. June 2027 Yep. in terms No. of Yeah. your consent for us. That's all good. Normally, let's say we don't reach you in June. They still have, like, a hundred and twenty, hundred and fifty days before they sort of kick us off the account kind of thing. Oh, I wrote it. Yes. Yep. So we'll always get in touch with you beforehand and and In do that that period, review. sir. Yes. Yes. Yep. But I wanna speak to you beforehand because, again, March is when the next anniversary is. Yep. So in the New Year, I definitely wanna touch base possibly in six months' time in in January, February. And as soon as I've got that anniversary notice, I can walk you through it. Yep.","start_word":3521,"end_word":3682,"sentiment":"neutral","sentiment_score":0.03481787443161011},{"text":"That's good, mate.","start_word":3683,"end_word":3685,"sentiment":"positive","sentiment_score":0.44391465187072754},{"text":"Yep.","start_word":3686,"end_word":3686,"sentiment":"neutral","sentiment_score":0.2792498469352722},{"text":"Sounds good. Amazing.","start_word":3687,"end_word":3689,"sentiment":"positive","sentiment_score":0.5009358525276184},{"text":"Anything else I can do for you before I let you go? No. Not that I can no. Not sounds good. Sounds Alright, like you got mate. it under control for me.","start_word":3690,"end_word":3721,"sentiment":"neutral","sentiment_score":0.15729238092899325},{"text":"So far so good.","start_word":3722,"end_word":3725,"sentiment":"positive","sentiment_score":0.39174771308898926},{"text":"As long as the world stops blowing up in the background, we'll be fine, Oh, yeah. but we're doing our best. Yeah. Has that not had much effect on any of the any of the markets? Yeah. Absolutely. Oh, no. Like, Trumpy. when Yeah. we hit December and there was a peak in every asset, everyone was at a huge high. And then Yep. as soon as Christmas happened, we went away, closed the office up, and then the market just started tanking till the end of March. And Mhmm. when I had that conversation with you in March, that was the bottom where it already dropped, like, 10%. And Yeah.","start_word":3726,"end_word":3836,"sentiment":"neutral","sentiment_score":-0.02915118634700775},{"text":"so we got the new investments in in time, which was good.","start_word":3837,"end_word":3848,"sentiment":"positive","sentiment_score":0.36460983753204346},{"text":"And so when the markets bounced back, Right. really Yep. strong bounce back. So Yeah. back Yep. up to where it should be. Yeah. Right. Yeah. But is that just getting there now, or is it to the was it a quick turnaround sort of thing It from was about six weeks. right. So From one end. So decently yeah. quick. Yeah. From Yep. from the bottom six weeks to get back up, which was pretty good. Worst case scenario, so I don't know if you remember the GFC back in 08/00/2009. No. Not really. So we had that big financial crisis Yeah. wiped out half the stock market, took five years to get back up. Oh, shit. Yeah. Right. Well, So well, I don't mean that bad then. yeah. So but rest rest assured, like, when we factor in the advice, I actually assume that one of those events will happen once every decade anyway, And we still have to get people to their retirement goals mixing in that there's gonna be an explosion every decade and Yeah. still get that average over the ten years. Yeah. Yeah. Lay on to that too. Okay. Yeah. So, basically, if your account jumps up 20% a year for five years, that's amazing. It'll crash Yep. about a third and Yep. then bounce back up again for another five years. We don't want that cycle to be happening again, like, a month before you retire. So we repeat that to grow it. But then when you're hitting that late fifties, that's why I was saying Yep. we reduce your Yep. exposure to the stock market. Yeah. Yep. Yep.","start_word":3849,"end_word":4124,"sentiment":"neutral","sentiment_score":-0.04268088564276695},{"text":"Cool. Yep. Very good. Alright, mate.","start_word":4125,"end_word":4130,"sentiment":"positive","sentiment_score":0.5446023344993591},{"text":"Alright, I'll let Grant.","start_word":4131,"end_word":4134,"sentiment":"neutral","sentiment_score":0.20819082856178284},{"text":"you go. Thank you so much for your time today, and, may I will pencil in to reach out to you in the new year?","start_word":4135,"end_word":4159,"sentiment":"positive","sentiment_score":0.5822751522064209},{"text":"Alright.","start_word":4160,"end_word":4160,"sentiment":"neutral","sentiment_score":0.32477447390556335},{"text":"No worries. Thanks very much. Awesome. Have a great week. Cheers. You too. See you.","start_word":4161,"end_word":4175,"sentiment":"positive","sentiment_score":0.6728618144989014},{"text":"Bye.","start_word":4176,"end_word":4176,"sentiment":"neutral","sentiment_score":0.2645586431026459}],"average":{"sentiment":"neutral","sentiment_score":0.07594410633626705}}}}