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Now, mate, I've got the updated advice strategy to send through to you. Will you be able to look on to your emails with me today? That's okay. I'll run you through the the key point, and then I'll just kind of leave the email with you to review and and have a read through. And then just give us a buzz if you got any questions. Perfect. Now before I jump into it, mate, I will just do the usual security check. Just your date of birth and address, please. Perfect. Fantastic. Thank you for that, mate. Now while I've got you here so the email pack that I sent through for the advice document, it's got quite a number of documents attached with it just supporting research and product documents and things like that. So there is a solid eight documents there. Now when you go into that email, there'll basically be like a a purple sign button for Odoo, and it just brings all the documents up for you to peruse through and scroll through and skip around. Now what's attached with it, you got the main advice document. You've got the appendix research, an alteration quote, three hub PDFs, and just some updated services guides for our licensing information. Perfect. Now quick run through. So you'll basically see a bit of a scoping section talking about what we're giving advice on, what we're not giving advice on in this document. Now main thing for you was pretty much to try and get you to that million dollars for retirement between the ages of 62, 65. And we did have a bit of a chat about updating the portfolio and just popping up the contributions this financial year as well. Now on that note as well, I just wanted to double check with you. Have you gone through and done your tax return for the financial year just gone by? Okay. So one thing I wanted to run by you is just claiming the contribution for the super. I was recommending to do that for both years. Absolutely. So what I'll do is I can get our staff to do the notice of intent claim form, but you just need to pause the tax return until that's been confirmed with the tax office. Yep. And then with the if you're going through an accountant, I would just tell them, hey. I'm just claiming my super contributions. As soon as I get the letter through, can you just update that to finalize it? Because if that gets finalized further, it cuts you off from claiming it. Yeah. Yep. So we'll get this the paperwork sorted straight away. And it doesn't normally take that long for them to send you a confirmation letter. So it's just a a couple of days thing. Like, I would rather you just finalize it next week, and then it's all done and done. Perfect. Perfect. Now outside of that, we were doing a bit of a reduction on your life and disability insurance to 500,000. That's in there as well. And then we we're doing just a bit of a we weren't really doing much in estate planning at the moment. We were just waiting for, you know, like, separation, everything to finalize to update the the estate plan and anything to do with beneficiaries and the like. Cool. So I'll leave that alone for now. Now we've got all your sort of assets and liabilities listed in there. Key points of information. So we're not changing your risk profile with your super, still high growth, and it's just giving it the old engine tune up on the investment option. Now what we've kind of come up with, what you'll see in the document is there's an investment table with green and red figures just showing you what we're selling, what we're buying. And you will see some round figures because we're pretty much rebalancing the portfolio. So all the options go back in line with the model that we originally recommended. For example, you know, 9.27%, that gets brought back to seven. 5.7, that gets brought back up to seven. Just a bit of a rebalance. The Benelon option that was underperforming, I've got to switch out for that, and it's called the Australian share option. It's basically lower fees, better performance over one, three, five, and ten years, and it has actually been outperforming the Australian market. So Google switch in there as well. There's a bit of cash that's pulled up in the super, so that's getting deployed everything above the 1.25% minimum. And what that basically does is it brings your asset allocation up from about 86% growth assets back up to that kind of 91, 92% for the high growth risk profile. Cool. Now that kind of bumps up the long term returns just a little bit, that extra sort of 1% average over the five years per annum. It also drops about a quarter of the investment fee, much more affordable. And I've included a bit of a top up of the contribution and about a 10% reduction in the insurance premiums for that trimmed down as well. So premiums go down What's that, mate? I can. I've got your account open. I think you did. I did notice the other five in there in June. So I'll just pull up the transaction history. I did actually see that, but, oh, yeah. Another five topped it up. Alright. I've got it up in front of me, so let me just have a quick look. We've got voluntary contributions in July. Alright. So I've got the total loading, and I've got the individual transactions loading as well. So just bear with it for one sec. Alright. June. So we've got 400, 400, 400. Yeah. June 10 was 5,000. Let's have a look see here. So, actually, I'm just gonna quickly rerun this report for the financial year itself. So we can go last financial year, pop that one out. Alright. That's coming through now. What are we looking at? Alright. So all the three hundreds, all the four hundreds. So the total for the year is twenty six one twenty six thousand one hundred. We've got a couple actually went in there. So the last one was on the June 30 Mac Bank 400. There was 4,000 on the seventeenth, 5,000 on the tenth. So another $9 went in there on top of the threes and the fours. Cool. So if you're okay with that, I'll fill in the paperwork for the $26.01 to be claimed. Yeah. That's right. Yep. 26,100 NOI. And then next financial year, we're just recommending to top up to the 32.5. However, you do that through the year, through the regular and the top up at the end of the year. Personal shares? Yeah. Look. One of the cool things too is what I really like about the plan for the super is the overall portfolio is actually doing pretty good. And then with that little bit of a switch out, getting that really high double digits, bit of lower fees, bit of lower premiums, bit of extra contributions, those four things in and of itself, that should boost things up by another 100,000 over the next ten years. So we're looking kind of like going from $4.60 to $5.77 just based on what's currently in there. Outside of that, we've got the reduction there. Now we're just getting a fresh alteration quote with MetLife. I did compare four different insurers that came out really well, but MetLife was still kind of tippy top in terms of policy features score and also pricing for you as well. So I've just said, hey. Keep these guys, trim it down a little bit, and then we'll keep an eye on it together each year. Yeah. So this, again, this drops it by about 10%. But, again, at that next anniversary, it's gonna jump up again. So our next conversation is pretty much gonna say, okay. Once everything's settled down finances wise for you, let's see what we need to sort of move around or shop around and see if we can get a bit of bigger savings next time as well. Awesome. That's pretty much everything I wanted to cover. Everything in terms of, like, the service agreement with our queue, you still got a few months left on that one. You won't get any reminders until it's getting close to the expiry date in a few months' time. But outside of that, this should really get it going back on a pretty damn good track. There is an authority to proceed at the back of the statement of advice. So the over sign button will bring you to that spot to sign off on it. And then in the background, I'm gonna get the staff working on that notice form straight away. Yeah. Yeah. I'm gonna try and get someone onto the form today, tomorrow. And then once that's submitted, they usually get you a confirmation within a couple of days. Awesome, Awesome, mate. Any other questions at all? Just give us a buzz back, email, text, and I will get stuck into it straight away. Thanks, Matt. Talk to you again soon, 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afternoon, mister Smith. It's Tommy here from. How you been? You're alright. No worries at all.\n\nI've got you loud and clear. Can you hear me okay? Fantastic. Now, mate, I've got the updated advice strategy to send through to you. Will you be able to look on to your emails with me today?\n\nThat's okay. I'll run you through the the key point, and then I'll just kind of leave the email with you to review and and have a read through. And then just give us a buzz if you got any questions. Perfect. Now before I jump into it, mate, I will just do the usual security check.\n\nJust your date of birth and address, please. Perfect. Fantastic. Thank you for that, mate. Now while I've got you here so the email pack that I sent through for the advice document, it's got quite a number of documents attached with it just supporting research and product documents and things like that.\n\nSo there is a solid eight documents there. Now when you go into that email, there'll basically be like a a purple sign button for Odoo, and it just brings all the documents up for you to peruse through and scroll through and skip around. Now what's attached with it, you got the main advice document. You've got the appendix research, an alteration quote, three hub PDFs, and just some updated services guides for our licensing information. Perfect.\n\nNow quick run through. So you'll basically see a bit of a scoping section talking about what we're giving advice on, what we're not giving advice on in this document. Now main thing for you was pretty much to try and get you to that million dollars for retirement between the ages of 62, 65. And we did have a bit of a chat about updating the portfolio and just popping up the contributions this financial year as well. Now on that note as well, I just wanted to double check with you.\n\nHave you gone through and done your tax return for the financial year just gone by? Okay. So one thing I wanted to run by you is just claiming the contribution for the super. I was recommending to do that for both years. Absolutely.\n\nSo what I'll do is I can get our staff to do the notice of intent claim form, but you just need to pause the tax return until that's been confirmed with the tax office. Yep. And then with the if you're going through an accountant, I would just tell them, hey. I'm just claiming my super contributions. As soon as I get the letter through, can you just update that to finalize it?\n\nBecause if that gets finalized further, it cuts you off from claiming it. Yeah. Yep. So we'll get this the paperwork sorted straight away. And it doesn't normally take that long for them to send you a confirmation letter.\n\nSo it's just a a couple of days thing. Like, I would rather you just finalize it next week, and then it's all done and done. Perfect. Perfect. Now outside of that, we were doing a bit of a reduction on your life and disability insurance to 500,000.\n\nThat's in there as well. And then we we're doing just a bit of a we weren't really doing much in estate planning at the moment. We were just waiting for, you know, like, separation, everything to finalize to update the the estate plan and anything to do with beneficiaries and the like. Cool. So I'll leave that alone for now.\n\nNow we've got all your sort of assets and liabilities listed in there. Key points of information. So we're not changing your risk profile with your super, still high growth, and it's just giving it the old engine tune up on the investment option. Now what we've kind of come up with, what you'll see in the document is there's an investment table with green and red figures just showing you what we're selling, what we're buying. And you will see some round figures because we're pretty much rebalancing the portfolio.\n\nSo all the options go back in line with the model that we originally recommended. For example, you know, 9.27%, that gets brought back to seven. 5.7, that gets brought back up to seven. Just a bit of a rebalance. The Benelon option that was underperforming, I've got to switch out for that, and it's called the Australian share option.\n\nIt's basically lower fees, better performance over one, three, five, and ten years, and it has actually been outperforming the Australian market. So Google switch in there as well. There's a bit of cash that's pulled up in the super, so that's getting deployed everything above the 1.25% minimum. And what that basically does is it brings your asset allocation up from about 86% growth assets back up to that kind of 91, 92% for the high growth risk profile. Cool.\n\nNow that kind of bumps up the long term returns just a little bit, that extra sort of 1% average over the five years per annum. It also drops about a quarter of the investment fee, much more affordable. And I've included a bit of a top up of the contribution and about a 10% reduction in the insurance premiums for that trimmed down as well. So premiums go down What's that, mate? I can.\n\nI've got your account open. I think you did. I did notice the other five in there in June. So I'll just pull up the transaction history. I did actually see that, but, oh, yeah.\n\nAnother five topped it up. Alright. I've got it up in front of me, so let me just have a quick look. We've got voluntary contributions in July. Alright.\n\nSo I've got the total loading, and I've got the individual transactions loading as well. So just bear with it for one sec. Alright. June. So we've got 400, 400, 400.\n\nYeah. June 10 was 5,000. Let's have a look see here. So, actually, I'm just gonna quickly rerun this report for the financial year itself. So we can go last financial year, pop that one out.\n\nAlright. That's coming through now. What are we looking at? Alright. So all the three hundreds, all the four hundreds.\n\nSo the total for the year is twenty six one twenty six thousand one hundred. We've got a couple actually went in there. So the last one was on the June 30 Mac Bank 400. There was 4,000 on the seventeenth, 5,000 on the tenth. So another $9 went in there on top of the threes and the fours.\n\nCool. So if you're okay with that, I'll fill in the paperwork for the $26.01 to be claimed. Yeah. That's right. Yep.\n\n26,100 NOI. And then next financial year, we're just recommending to top up to the 32.5. However, you do that through the year, through the regular and the top up at the end of the year. Personal shares? Yeah.\n\nLook. One of the cool things too is what I really like about the plan for the super is the overall portfolio is actually doing pretty good. And then with that little bit of a switch out, getting that really high double digits, bit of lower fees, bit of lower premiums, bit of extra contributions, those four things in and of itself, that should boost things up by another 100,000 over the next ten years. So we're looking kind of like going from $4.60 to $5.77 just based on what's currently in there. Outside of that, we've got the reduction there.\n\nNow we're just getting a fresh alteration quote with MetLife. I did compare four different insurers that came out really well, but MetLife was still kind of tippy top in terms of policy features score and also pricing for you as well. So I've just said, hey. Keep these guys, trim it down a little bit, and then we'll keep an eye on it together each year. Yeah.\n\nSo this, again, this drops it by about 10%. But, again, at that next anniversary, it's gonna jump up again. So our next conversation is pretty much gonna say, okay. Once everything's settled down finances wise for you, let's see what we need to sort of move around or shop around and see if we can get a bit of bigger savings next time as well. Awesome.\n\nThat's pretty much everything I wanted to cover. Everything in terms of, like, the service agreement with our queue, you still got a few months left on that one. You won't get any reminders until it's getting close to the expiry date in a few months' time. But outside of that, this should really get it going back on a pretty damn good track. There is an authority to proceed at the back of the statement of advice.\n\nSo the over sign button will bring you to that spot to sign off on it. And then in the background, I'm gonna get the staff working on that notice form straight away. Yeah. Yeah. I'm gonna try and get someone onto the form today, tomorrow.\n\nAnd then once that's submitted, they usually get you a confirmation within a couple of days. Awesome, Awesome, mate. Any other questions at all? Just give us a buzz back, email, text, and I will get stuck into it straight away. Thanks, Matt.\n\nTalk to you again soon, Matt.","paragraphs":[{"sentences":[{"text":"Good afternoon, mister Smith.","start":4.0,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.31229545176029205},{"text":"It's Tommy here from.","start":5.3599997,"end":6.58,"sentiment":"neutral","sentiment_score":0.16698718816041946},{"text":"How you been?","start":6.72,"end":7.54,"sentiment":"neutral","sentiment_score":0.15220758318901062},{"text":"You're alright.","start":12.799999,"end":13.28,"sentiment":"neutral","sentiment_score":0.011864175670780241},{"text":"No worries at all.","start":13.28,"end":14.055,"sentiment":"neutral","sentiment_score":0.042047228664159775}],"sentiment":"neutral","sentiment_score":0.15092179854400456,"num_words":17,"start":4.0,"end":14.055},{"sentences":[{"text":"I've got you loud and clear.","start":15.415,"end":16.775,"sentiment":"neutral","sentiment_score":0.08325506125887235},{"text":"Can you hear me okay?","start":16.775,"end":17.835001,"sentiment":"neutral","sentiment_score":0.056761801987886426},{"text":"Fantastic.","start":20.295,"end":20.795,"sentiment":"positive","sentiment_score":0.6869788765907288},{"text":"Now, mate, I've got the updated advice strategy to send through to you.","start":21.015,"end":24.855,"sentiment":"neutral","sentiment_score":0.2922138124704361},{"text":"Will you be able to look on to your emails with me today?","start":24.855,"end":27.18,"sentiment":"neutral","sentiment_score":0.12567832034367782}],"sentiment":"neutral","sentiment_score":0.18165568370175988,"num_words":38,"start":15.415,"end":27.18},{"sentences":[{"text":"That's okay.","start":37.98,"end":38.54,"sentiment":"neutral","sentiment_score":0.23310428112745285},{"text":"I'll run you through the the key point, and then I'll just kind of leave the email with you to review and and have a read through.","start":38.54,"end":45.105003,"sentiment":"neutral","sentiment_score":0.14861588897528472},{"text":"And then just give us a buzz if you got any questions.","start":45.325,"end":47.585003,"sentiment":"neutral","sentiment_score":0.09689260584612687},{"text":"Perfect.","start":49.885002,"end":50.365,"sentiment":"positive","sentiment_score":0.3747921586036682},{"text":"Now before I jump into it, mate, I will just do the usual security check.","start":50.365,"end":54.065002,"sentiment":"neutral","sentiment_score":0.10151814222335816}],"sentiment":"neutral","sentiment_score":0.13226514257359923,"num_words":57,"start":37.98,"end":54.065002},{"sentences":[{"text":"Just your date of birth and address, please.","start":54.77,"end":57.109997,"sentiment":"neutral","sentiment_score":0.05009986087679863},{"text":"Perfect.","start":66.369995,"end":66.869995,"sentiment":"positive","sentiment_score":0.3760214447975158},{"text":"Fantastic.","start":67.155,"end":67.655,"sentiment":"positive","sentiment_score":0.5040634870529175},{"text":"Thank you for that, mate.","start":67.715004,"end":68.855,"sentiment":"positive","sentiment_score":0.5538923382759094},{"text":"Now while I've got you here so the email pack that I sent through for the advice document, it's got quite a number of documents attached with it just supporting research and product documents and things like that.","start":69.075,"end":83.950005,"sentiment":"neutral","sentiment_score":0.07682820135041286}],"sentiment":"neutral","sentiment_score":0.13150598418037845,"num_words":53,"start":54.77,"end":83.950005},{"sentences":[{"text":"So there is a solid eight documents there.","start":83.950005,"end":86.53001,"sentiment":"neutral","sentiment_score":0.06896966602653265},{"text":"Now when you go into that email, there'll basically be like a a purple sign button for Odoo, and it just brings all the documents up for you to peruse through and scroll through and skip around.","start":86.91,"end":97.685005,"sentiment":"neutral","sentiment_score":0.0875158471030158},{"text":"Now what's attached with it, you got the main advice document.","start":99.425,"end":102.145004,"sentiment":"neutral","sentiment_score":0.08646140383048491},{"text":"You've got the appendix research, an alteration quote, three hub PDFs, and just some updated services guides for our licensing information.","start":102.145004,"end":110.88,"sentiment":"neutral","sentiment_score":0.0943589795913015},{"text":"Perfect.","start":112.939995,"end":113.439995,"sentiment":"neutral","sentiment_score":0.30614596605300903}],"sentiment":"neutral","sentiment_score":0.09011030321319898,"num_words":78,"start":83.950005,"end":113.439995},{"sentences":[{"text":"Now quick run through.","start":113.5,"end":114.7,"sentiment":"neutral","sentiment_score":0.128635436296463},{"text":"So you'll basically see a bit of a scoping section talking about what we're giving advice on, what we're not giving advice on in this document.","start":114.7,"end":122.159996,"sentiment":"neutral","sentiment_score":-0.0623197085582293},{"text":"Now main thing for you was pretty much to try and get you to that million dollars for retirement between the ages of 62, 65.","start":122.895004,"end":131.955,"sentiment":"positive","sentiment_score":0.3338208132982254},{"text":"And we did have a bit of a chat about updating the portfolio and just popping up the contributions this financial year as well.","start":132.575,"end":139.67001,"sentiment":"neutral","sentiment_score":0.2971594824145238},{"text":"Now on that note as well, I just wanted to double check with you.","start":141.49,"end":144.85,"sentiment":"neutral","sentiment_score":0.11512881889939308}],"sentiment":"neutral","sentiment_score":0.17186430857707097,"num_words":93,"start":113.5,"end":144.85},{"sentences":[{"text":"Have you gone through and done your tax return for the financial year just gone by?","start":144.85,"end":149.03,"sentiment":"neutral","sentiment_score":0.1191323627717793},{"text":"Okay.","start":158.945,"end":159.425,"sentiment":"neutral","sentiment_score":0.14314427971839905},{"text":"So one thing I wanted to run by you is just claiming the contribution for the super.","start":159.425,"end":163.67,"sentiment":"neutral","sentiment_score":0.20932078668299844},{"text":"I was recommending to do that for both years.","start":164.21,"end":166.71,"sentiment":"neutral","sentiment_score":0.21369925306902993},{"text":"Absolutely.","start":173.17,"end":173.67,"sentiment":"neutral","sentiment_score":0.13208037614822388}],"sentiment":"neutral","sentiment_score":0.17416111616925758,"num_words":44,"start":144.85,"end":173.67},{"sentences":[{"text":"So what I'll do is I can get our staff to do the notice of intent claim form, but you just need to pause the tax return until that's been confirmed with the tax office.","start":173.81,"end":184.805,"sentiment":"neutral","sentiment_score":0.019358673505485056},{"text":"Yep.","start":187.265,"end":187.665,"sentiment":"neutral","sentiment_score":0.10111777484416962},{"text":"And then with the if you're going through an accountant, I would just tell them, hey.","start":187.665,"end":191.58,"sentiment":"neutral","sentiment_score":0.0572365295374766},{"text":"I'm just claiming my super contributions.","start":191.58,"end":193.52,"sentiment":"neutral","sentiment_score":0.1696885240574678},{"text":"As soon as I get the letter through, can you just update that to finalize it?","start":193.66,"end":197.18001,"sentiment":"neutral","sentiment_score":0.08699985407292843}],"sentiment":"neutral","sentiment_score":0.05546735986010046,"num_words":74,"start":173.81,"end":197.18001},{"sentences":[{"text":"Because if that gets finalized further, it cuts you off from claiming it.","start":197.18001,"end":201.04001,"sentiment":"neutral","sentiment_score":0.07009884485831627},{"text":"Yeah.","start":205.375,"end":205.69499,"sentiment":"neutral","sentiment_score":0.15642231702804563},{"text":"Yep.","start":205.69499,"end":206.015,"sentiment":"neutral","sentiment_score":0.21279363334178925},{"text":"So we'll get this the paperwork sorted straight away.","start":206.015,"end":208.995,"sentiment":"positive","sentiment_score":0.3715214497513241},{"text":"And it doesn't normally take that long for them to send you a confirmation letter.","start":209.375,"end":213.455,"sentiment":"neutral","sentiment_score":0.1467485303680102}],"sentiment":"neutral","sentiment_score":0.17501081889256453,"num_words":39,"start":197.18001,"end":213.455},{"sentences":[{"text":"So it's just a a couple of days thing.","start":213.455,"end":215.215,"sentiment":"neutral","sentiment_score":0.1617256436083052},{"text":"Like, I would rather you just finalize it next week, and then it's all done and done.","start":215.215,"end":223.55,"sentiment":"neutral","sentiment_score":0.24129432965727413},{"text":"Perfect.","start":223.55,"end":224.03,"sentiment":"positive","sentiment_score":0.7023738622665405},{"text":"Perfect.","start":224.03,"end":224.53,"sentiment":"neutral","sentiment_score":0.16451148688793182},{"text":"Now outside of that, we were doing a bit of a reduction on your life and disability insurance to 500,000.","start":225.23001,"end":231.33,"sentiment":"neutral","sentiment_score":-0.09085866250097752}],"sentiment":"neutral","sentiment_score":0.09598430199548602,"num_words":48,"start":213.455,"end":231.33},{"sentences":[{"text":"That's in there as well.","start":232.03,"end":233.49,"sentiment":"neutral","sentiment_score":-0.01397993303835392},{"text":"And then we we're doing just a bit of a we weren't really doing much in estate planning at the moment.","start":233.79001,"end":239.155,"sentiment":"neutral","sentiment_score":-0.05078319282758804},{"text":"We were just waiting for, you know, like, separation, everything to finalize to update the the estate plan and anything to do with beneficiaries and the like.","start":239.155,"end":251.82,"sentiment":"neutral","sentiment_score":0.005566199827525351},{"text":"Cool.","start":252.68001,"end":253.0,"sentiment":"positive","sentiment_score":0.38546496629714966},{"text":"So I'll leave that alone for now.","start":253.0,"end":254.78,"sentiment":"neutral","sentiment_score":0.12601640873721667}],"sentiment":"neutral","sentiment_score":0.004615090298848074,"num_words":61,"start":232.03,"end":254.78},{"sentences":[{"text":"Now we've got all your sort of assets and liabilities listed in there.","start":255.48,"end":259.26,"sentiment":"neutral","sentiment_score":0.09486322276867352},{"text":"Key points of information.","start":259.88,"end":261.02,"sentiment":"neutral","sentiment_score":0.060849277302622795},{"text":"So we're not changing your risk profile with your super, still high growth, and it's just giving it the old engine tune up on the investment option.","start":262.04,"end":270.07498,"sentiment":"neutral","sentiment_score":-0.11113322264066448},{"text":"Now what we've kind of come up with, what you'll see in the document is there's an investment table with green and red figures just showing you what we're selling, what we're buying.","start":272.455,"end":281.31,"sentiment":"neutral","sentiment_score":0.13281121082378156},{"text":"And you will see some round figures because we're pretty much rebalancing the portfolio.","start":281.93002,"end":287.55002,"sentiment":"neutral","sentiment_score":0.09348913228937558}],"sentiment":"neutral","sentiment_score":0.045798239594959954,"num_words":91,"start":255.48,"end":287.55002},{"sentences":[{"text":"So all the options go back in line with the model that we originally recommended.","start":288.09,"end":294.555,"sentiment":"neutral","sentiment_score":0.13500512490669886},{"text":"For example, you know, 9.27%, that gets brought back to seven.","start":294.775,"end":298.95502,"sentiment":"neutral","sentiment_score":0.03832938386635347},{"text":"5.7, that gets brought back up to seven.","start":299.335,"end":302.155,"sentiment":"neutral","sentiment_score":0.04285672423429787},{"text":"Just a bit of a rebalance.","start":302.295,"end":303.515,"sentiment":"neutral","sentiment_score":-0.07582249989112218},{"text":"The Benelon option that was underperforming, I've got to switch out for that, and it's called the Australian share option.","start":304.375,"end":312.05002,"sentiment":"neutral","sentiment_score":-0.046489367820322515}],"sentiment":"neutral","sentiment_score":0.023413858904192845,"num_words":60,"start":288.09,"end":312.05002},{"sentences":[{"text":"It's basically lower fees, better performance over one, three, five, and ten years, and it has actually been outperforming the Australian market.","start":312.27002,"end":320.27002,"sentiment":"neutral","sentiment_score":0.2053698314861818},{"text":"So Google switch in there as well.","start":320.27002,"end":324.19498,"sentiment":"neutral","sentiment_score":0.1589587139231818},{"text":"There's a bit of cash that's pulled up in the super, so that's getting deployed everything above the 1.25% minimum.","start":324.41498,"end":331.07498,"sentiment":"neutral","sentiment_score":0.21634704396128654},{"text":"And what that basically does is it brings your asset allocation up from about 86% growth assets back up to that kind of 91, 92% for the high growth risk profile.","start":331.53497,"end":343.48,"sentiment":"neutral","sentiment_score":0.3142654232440456},{"text":"Cool.","start":345.94,"end":346.44,"sentiment":"neutral","sentiment_score":0.09234479814767838}],"sentiment":"neutral","sentiment_score":0.2443501368900876,"num_words":81,"start":312.27002,"end":346.44},{"sentences":[{"text":"Now that kind of bumps up the long term returns just a little bit, that extra sort of 1% average over the five years per annum.","start":346.82,"end":354.485,"sentiment":"positive","sentiment_score":0.7186939074442937},{"text":"It also drops about a quarter of the investment fee, much more affordable.","start":354.865,"end":361.125,"sentiment":"positive","sentiment_score":0.6933584327881153},{"text":"And I've included a bit of a top up of the contribution and about a 10% reduction in the insurance premiums for that trimmed down as well.","start":361.745,"end":370.9,"sentiment":"positive","sentiment_score":0.49984606438212925},{"text":"So premiums go down What's that, mate?","start":374.0,"end":377.415,"sentiment":"neutral","sentiment_score":-0.04128233955374786},{"text":"I can.","start":398.44998,"end":399.01,"sentiment":"neutral","sentiment_score":0.04447546787559986}],"sentiment":"positive","sentiment_score":0.5466069268931946,"num_words":75,"start":346.82,"end":399.01},{"sentences":[{"text":"I've got your account open.","start":399.01,"end":400.365,"sentiment":"neutral","sentiment_score":0.06015506610274315},{"text":"I think you did.","start":407.32498,"end":408.465,"sentiment":"neutral","sentiment_score":0.054173313081264496},{"text":"I did notice the other five in there in June.","start":408.525,"end":411.025,"sentiment":"neutral","sentiment_score":0.05725206546485424},{"text":"So I'll just pull up the transaction history.","start":411.16498,"end":414.07,"sentiment":"neutral","sentiment_score":0.049073522444814444},{"text":"I did actually see that, but, oh, yeah.","start":414.07,"end":415.59,"sentiment":"neutral","sentiment_score":0.04131502960808575}],"sentiment":"neutral","sentiment_score":0.05180279011172908,"num_words":35,"start":399.01,"end":415.59},{"sentences":[{"text":"Another five topped it up.","start":415.59,"end":417.05,"sentiment":"neutral","sentiment_score":0.1035161480307579},{"text":"Alright.","start":432.245,"end":432.72498,"sentiment":"neutral","sentiment_score":0.05887199565768242},{"text":"I've got it up in front of me, so let me just have a quick look.","start":432.72498,"end":435.625,"sentiment":"neutral","sentiment_score":0.13971374789252877},{"text":"We've got voluntary contributions in July.","start":435.76498,"end":445.52,"sentiment":"neutral","sentiment_score":0.1350958508749803},{"text":"Alright.","start":445.74,"end":445.97998,"sentiment":"neutral","sentiment_score":0.11557048559188844}],"sentiment":"neutral","sentiment_score":0.12889718251495524,"num_words":29,"start":415.59,"end":445.97998},{"sentences":[{"text":"So I've got the total loading, and I've got the individual transactions loading as well.","start":445.97998,"end":450.62,"sentiment":"neutral","sentiment_score":0.12329161216815313},{"text":"So just bear with it for one sec.","start":450.62,"end":452.56,"sentiment":"neutral","sentiment_score":0.06692019663751125},{"text":"Alright.","start":456.46,"end":456.885,"sentiment":"neutral","sentiment_score":0.0959526300430298},{"text":"June.","start":457.125,"end":457.36502,"sentiment":"neutral","sentiment_score":0.1007818877696991},{"text":"So we've got 400, 400, 400.","start":457.36502,"end":459.785,"sentiment":"neutral","sentiment_score":0.09210974723100662}],"sentiment":"neutral","sentiment_score":0.10110092763939212,"num_words":31,"start":445.97998,"end":459.785},{"sentences":[{"text":"Yeah.","start":459.92502,"end":460.325,"sentiment":"neutral","sentiment_score":0.06350955367088318},{"text":"June 10 was 5,000.","start":460.325,"end":461.92502,"sentiment":"neutral","sentiment_score":0.08405719138681889},{"text":"Let's have a look see here.","start":461.92502,"end":470.88,"sentiment":"neutral","sentiment_score":0.053378123169144},{"text":"So, actually, I'm just gonna quickly rerun this report for the financial year itself.","start":471.98,"end":475.66,"sentiment":"neutral","sentiment_score":0.11587614406432424},{"text":"So we can go last financial year, pop that one out.","start":475.66,"end":478.72,"sentiment":"neutral","sentiment_score":0.12779696421189743}],"sentiment":"neutral","sentiment_score":0.10411221337401205,"num_words":36,"start":459.92502,"end":478.72},{"sentences":[{"text":"Alright.","start":486.125,"end":486.445,"sentiment":"neutral","sentiment_score":0.13278132677078247},{"text":"That's coming through now.","start":486.445,"end":487.825,"sentiment":"neutral","sentiment_score":0.1380822453647852},{"text":"What are we looking at?","start":488.845,"end":490.225,"sentiment":"neutral","sentiment_score":0.005539514496922493},{"text":"Alright.","start":491.885,"end":492.205,"sentiment":"neutral","sentiment_score":0.04546264931559563},{"text":"So all the three hundreds, all the four hundreds.","start":492.205,"end":494.465,"sentiment":"neutral","sentiment_score":0.02892126515507698}],"sentiment":"neutral","sentiment_score":0.05092809582129121,"num_words":20,"start":486.125,"end":494.465},{"sentences":[{"text":"So the total for the year is twenty six one twenty six thousand one hundred.","start":496.04498,"end":503.13998,"sentiment":"neutral","sentiment_score":0.0697853460907936},{"text":"We've got a couple actually went in there.","start":503.76,"end":507.44,"sentiment":"neutral","sentiment_score":0.062045978382229805},{"text":"So the last one was on the June 30 Mac Bank 400.","start":507.44,"end":512.325,"sentiment":"neutral","sentiment_score":0.03919512483601769},{"text":"There was 4,000 on the seventeenth, 5,000 on the tenth.","start":512.385,"end":516.565,"sentiment":"neutral","sentiment_score":0.03798237275332213},{"text":"So another $9 went in there on top of the threes and the fours.","start":516.945,"end":520.245,"sentiment":"neutral","sentiment_score":0.06600705294736794}],"sentiment":"neutral","sentiment_score":0.05622732178386995,"num_words":59,"start":496.04498,"end":520.245},{"sentences":[{"text":"Cool.","start":524.545,"end":525.045,"sentiment":"positive","sentiment_score":0.3420548439025879},{"text":"So if you're okay with that, I'll fill in the paperwork for the $26.01 to be claimed.","start":525.345,"end":529.98,"sentiment":"neutral","sentiment_score":0.14806255566723206},{"text":"Yeah.","start":535.0,"end":535.31995,"sentiment":"neutral","sentiment_score":0.11403682827949524},{"text":"That's right.","start":535.31995,"end":536.06,"sentiment":"positive","sentiment_score":0.33936335146427155},{"text":"Yep.","start":536.6,"end":537.1,"sentiment":"positive","sentiment_score":0.3455619215965271}],"sentiment":"neutral","sentiment_score":0.18170198832045903,"num_words":22,"start":524.545,"end":537.1},{"sentences":[{"text":"26,100 NOI.","start":539.63995,"end":541.41504,"sentiment":"neutral","sentiment_score":0.08771417289972305},{"text":"And then next financial year, we're just recommending to top up to the 32.5.","start":541.715,"end":545.875,"sentiment":"neutral","sentiment_score":0.05456443503499031},{"text":"However, you do that through the year, through the regular and the top up at the end of the year.","start":545.875,"end":549.73505,"sentiment":"neutral","sentiment_score":0.049927668552845715},{"text":"Personal shares?","start":557.11,"end":559.53,"sentiment":"neutral","sentiment_score":-0.15169809013605118},{"text":"Yeah.","start":569.19,"end":569.565,"sentiment":"neutral","sentiment_score":0.10229463875293732}],"sentiment":"neutral","sentiment_score":0.04453287861095025,"num_words":39,"start":539.63995,"end":569.565},{"sentences":[{"text":"Look.","start":571.005,"end":571.325,"sentiment":"neutral","sentiment_score":0.2690231502056122},{"text":"One of the cool things too is what I really like about the plan for the super is the overall portfolio is actually doing pretty good.","start":571.325,"end":577.805,"sentiment":"positive","sentiment_score":0.6678052143408701},{"text":"And then with that little bit of a switch out, getting that really high double digits, bit of lower fees, bit of lower premiums, bit of extra contributions, those four things in and of itself, that should boost things up by another 100,000 over the next ten years.","start":577.805,"end":593.35,"sentiment":"positive","sentiment_score":0.376903851206104},{"text":"So we're looking kind of like going from $4.60 to $5.77 just based on what's currently in there.","start":594.29,"end":601.41504,"sentiment":"neutral","sentiment_score":0.13802041113376617},{"text":"Outside of that, we've got the reduction there.","start":606.195,"end":608.775,"sentiment":"neutral","sentiment_score":0.010440994170494378}],"sentiment":"positive","sentiment_score":0.3791211775716136,"num_words":101,"start":571.005,"end":608.775},{"sentences":[{"text":"Now we're just getting a fresh alteration quote with MetLife.","start":609.395,"end":612.64,"sentiment":"neutral","sentiment_score":0.0770812714472413},{"text":"I did compare four different insurers that came out really well, but MetLife was still kind of tippy top in terms of policy features score and also pricing for you as well.","start":612.64,"end":623.36,"sentiment":"neutral","sentiment_score":-0.04659605957567692},{"text":"So I've just said, hey.","start":623.36,"end":624.64,"sentiment":"neutral","sentiment_score":-0.026120872423052787},{"text":"Keep these guys, trim it down a little bit, and then we'll keep an eye on it together each year.","start":624.64,"end":630.79504,"sentiment":"neutral","sentiment_score":0.00768891666084528},{"text":"Yeah.","start":634.455,"end":634.775,"sentiment":"neutral","sentiment_score":-0.02121787890791893}],"sentiment":"neutral","sentiment_score":-0.010563310290522435,"num_words":68,"start":609.395,"end":634.775},{"sentences":[{"text":"So this, again, this drops it by about 10%.","start":634.775,"end":637.435,"sentiment":"neutral","sentiment_score":-0.039753263609276876},{"text":"But, again, at that next anniversary, it's gonna jump up again.","start":637.495,"end":640.55505,"sentiment":"neutral","sentiment_score":0.06428764726627957},{"text":"So our next conversation is pretty much gonna say, okay.","start":640.695,"end":643.36,"sentiment":"neutral","sentiment_score":0.16505004614591598},{"text":"Once everything's settled down finances wise for you, let's see what we need to sort of move around or shop around and see if we can get a bit of bigger savings next time as well.","start":643.36,"end":653.14,"sentiment":"neutral","sentiment_score":0.1881264363312059},{"text":"Awesome.","start":656.32,"end":656.82,"sentiment":"positive","sentiment_score":0.6773947477340698}],"sentiment":"neutral","sentiment_score":0.14104226365018246,"num_words":67,"start":634.775,"end":656.82},{"sentences":[{"text":"That's pretty much everything I wanted to cover.","start":657.52,"end":659.595,"sentiment":"positive","sentiment_score":0.6379367709159851},{"text":"Everything in terms of, like, the service agreement with our queue, you still got a few months left on that one.","start":659.595,"end":665.375,"sentiment":"positive","sentiment_score":0.49973999176706585},{"text":"You won't get any reminders until it's getting close to the expiry date in a few months' time.","start":665.83496,"end":671.37,"sentiment":"positive","sentiment_score":0.36440152095423806},{"text":"But outside of that, this should really get it going back on a pretty damn good track.","start":671.85,"end":676.67,"sentiment":"positive","sentiment_score":0.5799882184056675},{"text":"There is an authority to proceed at the back of the statement of advice.","start":689.385,"end":693.545,"sentiment":"neutral","sentiment_score":0.021892166962581023}],"sentiment":"positive","sentiment_score":0.4144045054100645,"num_words":78,"start":657.52,"end":693.545},{"sentences":[{"text":"So the over sign button will bring you to that spot to sign off on it.","start":693.545,"end":697.77,"sentiment":"neutral","sentiment_score":0.0574636016972363},{"text":"And then in the background, I'm gonna get the staff working on that notice form straight away.","start":698.01,"end":702.43,"sentiment":"neutral","sentiment_score":0.12574588222538724},{"text":"Yeah.","start":715.745,"end":716.065,"sentiment":"neutral","sentiment_score":0.08498555421829224},{"text":"Yeah.","start":716.065,"end":716.225,"sentiment":"neutral","sentiment_score":0.11339303851127625},{"text":"I'm gonna try and get someone onto the form today, tomorrow.","start":716.225,"end":719.605,"sentiment":"neutral","sentiment_score":0.15831476856361737}],"sentiment":"neutral","sentiment_score":0.10862910156340702,"num_words":46,"start":693.545,"end":719.605},{"sentences":[{"text":"And then once that's submitted, they usually get you a confirmation within a couple of days.","start":719.82495,"end":724.00494,"sentiment":"neutral","sentiment_score":0.21216832101345062},{"text":"Awesome, Awesome, mate.","start":727.82495,"end":728.48,"sentiment":"positive","sentiment_score":0.8754182656606039},{"text":"Any other questions at all?","start":728.48,"end":729.68,"sentiment":"positive","sentiment_score":0.4054217278957367},{"text":"Just give us a buzz back, email, text, and I will get stuck into it straight away.","start":729.68,"end":735.9289,"sentiment":"positive","sentiment_score":0.3971793283434475},{"text":"Thanks, Matt.","start":738.8689,"end":739.4289,"sentiment":"positive","sentiment_score":0.7541090250015259}],"sentiment":"positive","sentiment_score":0.3792633303376131,"num_words":43,"start":719.82495,"end":739.4289},{"sentences":[{"text":"Talk to you again soon, Matt.","start":739.4289,"end":740.8889,"sentiment":"positive","sentiment_score":0.4362155720591545}],"sentiment":"positive","sentiment_score":0.4362155720591545,"num_words":6,"start":739.4289,"end":740.8889}]}}]},{"alternatives":[{"transcript":"Hello? Good, Tommy. Sorry. I just got a It's flying off of me. Just a second. How's that? Yeah. Yep. All good. Yep. No. I didn't know we were doing it sort of yeah. I'm driving at the moment. I thought it was just a voice mail meeting. That's all for me. Yep. Yeah. Yeah. Sure. Yeah. That's fine. Yep. Fourteenth of second nineteen seventy five, and it's 1 Dash 17 Surrey Street in Box Hill South. Yep. Yep. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. It's literally been done as we speak. I'd say in the next couple of days, it's finalized. That's it. Yeah. Yeah. Yeah. Can you do that, or did did you can you send that through to me, or what what I can't remember what we did. Right? Yep. Yep. Okay. Alright. And you'll send that through to me? Yep. Yeah. I'll let my account know for sure. Yep. Yep. Yep. Yep. Yep. Sure. Yep. Yep. Yeah. Yeah. Yep. Yep. Yep. Yep. Yeah. Got it. Yep. Yeah. Okay. Just thought it's on my mind for me. Just just thought it's on my mind. I got a nasty surprise from my account yesterday just in terms of tax claim. Mhmm. So but I was just checking the super I contributed last year. Was it 25,000 thereabouts? Or can you see that funny? I thought I added yeah. I thought I added another five. I thought I got it to 30. Yeah. Yeah. Because my account had a I think he I think I saw it actually at 25 maybe, and I thought, no. I'm sure I got that 5 in before before the end of financial, like, a week before. Yeah. You're right. You're right. Does that bring the total up to 30 or 25? Yeah. Okay. Yeah. That's okay. No problem. Yeah. Is that the notice of the 10 deployments? So you're setting it out. Yeah. That's cool. Thanks. Yeah. I can. That's for sure. My my share of the portfolios got absolutely slammed this year. So, anyway Yeah. I was doing so well and then a war started and it's absolutely went into a nightmare. So anyway, that's okay. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. I've gotta cut it right down at the moment. Yep. Yep. Yeah. Alright. No worries. And there's nothing I have to sign over or anything with this? It's just in those documents? Is that just the information there I just need to look through? Okay. Yeah. Okay. Cool. Okay. So that I'll just let the account know. We're just holding off because we had a bunch of mediation stuff going on too. So would that be sort of Monday? Tuesday? Yep. Okay. That's right. Alright. Yep. Yep. Good on you. Thanks, 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Good, Tommy. Sorry. I just got a It's flying off of me. Just a second.\n\nHow's that? Yeah. Yep. All good. Yep.\n\nNo. I didn't know we were doing it sort of yeah. I'm driving at the moment. I thought it was just a voice mail meeting. That's all for me.\n\nYep. Yeah. Yeah. Sure. Yeah.\n\nThat's fine. Yep. Fourteenth of second nineteen seventy five, and it's 1 Dash 17 Surrey Street in Box Hill South. Yep. Yep.\n\nYeah. Yep. Yep. Yep. Yep.\n\nYep. Yep. It's literally been done as we speak. I'd say in the next couple of days, it's finalized. That's it.\n\nYeah. Yeah. Yeah. Can you do that, or did did you can you send that through to me, or what what I can't remember what we did. Right?\n\nYep. Yep. Okay. Alright. And you'll send that through to me?\n\nYep. Yeah. I'll let my account know for sure. Yep. Yep.\n\nYep. Yep. Yep. Sure. Yep.\n\nYep. Yeah. Yeah. Yep. Yep.\n\nYep. Yep. Yeah. Got it. Yep.\n\nYeah. Okay. Just thought it's on my mind for me. Just just thought it's on my mind. I got a nasty surprise from my account yesterday just in terms of tax claim.\n\nMhmm. So but I was just checking the super I contributed last year. Was it 25,000 thereabouts? Or can you see that funny? I thought I added yeah.\n\nI thought I added another five. I thought I got it to 30. Yeah. Yeah. Because my account had a I think he I think I saw it actually at 25 maybe, and I thought, no.\n\nI'm sure I got that 5 in before before the end of financial, like, a week before. Yeah. You're right. You're right. Does that bring the total up to 30 or 25?\n\nYeah. Okay. Yeah. That's okay. No problem.\n\nYeah. Is that the notice of the 10 deployments? So you're setting it out. Yeah. That's cool.\n\nThanks. Yeah. I can. That's for sure. My my share of the portfolios got absolutely slammed this year.\n\nSo, anyway Yeah. I was doing so well and then a war started and it's absolutely went into a nightmare. So anyway, that's okay. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nI've gotta cut it right down at the moment. Yep. Yep. Yeah. Alright.\n\nNo worries. And there's nothing I have to sign over or anything with this? It's just in those documents? Is that just the information there I just need to look through? Okay.\n\nYeah. Okay. Cool. Okay. So that I'll just let the account know.\n\nWe're just holding off because we had a bunch of mediation stuff going on too. So would that be sort of Monday? Tuesday? Yep. Okay.\n\nThat's right. Alright. Yep. Yep. Good on you.\n\nThanks, Tommy.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.8799999,"end":3.3799999,"sentiment":"neutral","sentiment_score":0.04598205536603928},{"text":"Good, Tommy.","start":7.52,"end":8.24,"sentiment":"neutral","sentiment_score":0.20274920761585236},{"text":"Sorry.","start":8.24,"end":8.559999,"sentiment":"neutral","sentiment_score":-0.06381265819072723},{"text":"I just got a It's flying off of me.","start":8.559999,"end":11.36,"sentiment":"neutral","sentiment_score":-0.26054782503181034},{"text":"Just a second.","start":11.36,"end":12.259999,"sentiment":"neutral","sentiment_score":-0.08114064981540044}],"sentiment":"neutral","sentiment_score":-0.13754278514534235,"num_words":16,"start":2.8799999,"end":12.259999},{"sentences":[{"text":"How's 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documents?","start":682.185,"end":684.025,"sentiment":"neutral","sentiment_score":0.021789906173944475},{"text":"Is that just the information there I just need to look through?","start":684.025,"end":687.51,"sentiment":"neutral","sentiment_score":0.02748355393608411},{"text":"Okay.","start":692.37,"end":692.87,"sentiment":"neutral","sentiment_score":0.03570858761668205}],"sentiment":"neutral","sentiment_score":0.05319877772126347,"num_words":32,"start":677.705,"end":692.87},{"sentences":[{"text":"Yeah.","start":697.65,"end":698.15,"sentiment":"neutral","sentiment_score":0.07670462131500244},{"text":"Okay.","start":698.21,"end":698.53,"sentiment":"neutral","sentiment_score":0.0918693095445633},{"text":"Cool.","start":698.53,"end":699.03,"sentiment":"neutral","sentiment_score":0.14105308055877686},{"text":"Okay.","start":702.945,"end":703.445,"sentiment":"neutral","sentiment_score":0.089303158223629},{"text":"So that I'll just let the account know.","start":703.90497,"end":705.985,"sentiment":"neutral","sentiment_score":0.09830531664192677}],"sentiment":"neutral","sentiment_score":0.09878105856478214,"num_words":12,"start":697.65,"end":705.985},{"sentences":[{"text":"We're just holding off because we had a bunch of mediation stuff going on too.","start":705.985,"end":711.585,"sentiment":"neutral","sentiment_score":0.013939862698316574},{"text":"So would that be sort of Monday?","start":711.585,"end":714.245,"sentiment":"neutral","sentiment_score":0.019692067855170796},{"text":"Tuesday?","start":715.7,"end":716.2,"sentiment":"neutral","sentiment_score":0.02494882233440876},{"text":"Yep.","start":720.26,"end":720.76,"sentiment":"neutral","sentiment_score":0.17081981897354126},{"text":"Okay.","start":724.34,"end":724.84,"sentiment":"neutral","sentiment_score":0.16384369134902954}],"sentiment":"neutral","sentiment_score":0.02826218992471695,"num_words":25,"start":705.985,"end":724.84},{"sentences":[{"text":"That's right.","start":724.9,"end":725.72003,"sentiment":"neutral","sentiment_score":0.18929685652256012},{"text":"Alright.","start":725.78,"end":726.28,"sentiment":"neutral","sentiment_score":0.11855136603116988},{"text":"Yep.","start":732.11505,"end":732.61505,"sentiment":"neutral","sentiment_score":0.17102491855621338},{"text":"Yep.","start":732.99506,"end":733.49506,"sentiment":"neutral","sentiment_score":0.245431587100029},{"text":"Good on you.","start":736.11505,"end":736.755,"sentiment":"positive","sentiment_score":0.8076193531354269}],"sentiment":"positive","sentiment_score":0.4170574555173516,"num_words":8,"start":724.9,"end":736.755},{"sentences":[{"text":"Thanks, Tommy.","start":736.755,"end":737.575,"sentiment":"positive","sentiment_score":0.7838703989982605}],"sentiment":"positive","sentiment_score":0.7838703989982605,"num_words":2,"start":736.755,"end":737.575}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon, mister Smith. It's Tommy here from. How you been?\n\nChannel 1: Good, Tommy. Sorry. I just got a It's flying off of me. Just a second. How's\n\nChannel 0: You're alright.\n\nChannel 1: that?\n\nChannel 0: No worries at all. I've got\n\nChannel 1: Yeah.\n\nChannel 0: you loud and clear. Can you hear me okay?\n\nChannel 1: Yep. All good.\n\nChannel 0: Fantastic. Now, mate, I've got the updated advice strategy to send through to you. Will you be able\n\nChannel 1: Yep.\n\nChannel 0: to look on to your emails with me today?\n\nChannel 1: No. I didn't know we were doing it sort of yeah. I'm driving at the moment. I thought it was just a voice mail meeting. That's all for me.\n\nChannel 0: That's okay. I'll run you through the the key point, and then I'll\n\nChannel 1: Yep.\n\nChannel 0: just kind of leave the email with you to review and and have a read through.\n\nChannel 1: Yeah.\n\nChannel 0: And then\n\nChannel 1: Yeah.\n\nChannel 0: just\n\nChannel 1: Sure.\n\nChannel 0: give us a buzz if you got any questions.\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Perfect. Now before I jump into it, mate, I will just do the usual security check.\n\nChannel 1: Yep.\n\nChannel 0: Just your date of birth and address, please.\n\nChannel 1: Fourteenth of second nineteen seventy five, and it's 1 Dash 17 Surrey Street in Box Hill South.\n\nChannel 0: Perfect. Fantastic. Thank you for that, mate. Now while I've got you here so the email pack that I sent through for the advice document, it's got quite a number of documents attached with it just supporting research and product documents and things like\n\nChannel 1: Yep. Yep.\n\nChannel 0: that. So there is a solid eight documents there. Now when you go into that email, there'll basically be like a a purple sign button for Odoo, and it just brings all the documents up for you to peruse through and scroll through and skip around.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Now what's attached with it, you got the main advice document. You've got the appendix research, an alteration quote, three hub PDFs, and just some updated services guides for our licensing information.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now quick run through. So you'll basically see a bit of a scoping section talking about what we're giving advice on, what we're not giving advice on in this document.\n\nChannel 1: Yep.\n\nChannel 0: Now main thing for you was pretty much to try and get you to that million dollars for retirement between the ages of 62, 65.\n\nChannel 1: Yep.\n\nChannel 0: And we did have a bit of a chat about updating the portfolio and just popping up the contributions this financial year as well.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Now on that note as well, I just wanted to double check with you. Have you gone through and done your tax return for the financial year just gone by?\n\nChannel 1: It's literally been done as we speak. I'd say in the next couple of days, it's finalized. That's it.\n\nChannel 0: Okay. So one thing I wanted to run by you is just claiming the contribution for the super.\n\nChannel 1: Yeah.\n\nChannel 0: I\n\nChannel 1: Yeah.\n\nChannel 0: was recommending to do that for both years.\n\nChannel 1: Yeah. Can you do that, or did did you can you send that through to me, or what what I can't remember what\n\nChannel 0: Absolutely.\n\nChannel 1: we did. Right?\n\nChannel 0: So what I'll do is I can get our staff to do the notice of intent claim form,\n\nChannel 1: Yep.\n\nChannel 0: but you\n\nChannel 1: Yep.\n\nChannel 0: just need to pause the tax return until that's been confirmed with the tax office.\n\nChannel 1: Okay.\n\nChannel 0: Yep. And then with the if you're going through an accountant, I would just tell them, hey. I'm just claiming my super contributions. As soon as I get the letter through, can you just update that to finalize it? Because if that\n\nChannel 1: Alright.\n\nChannel 0: gets finalized further, it cuts you off from claiming it.\n\nChannel 1: And you'll send that through to me?\n\nChannel 0: Yeah. Yep. So we'll get this the paperwork sorted straight away.\n\nChannel 1: Yep.\n\nChannel 0: And it doesn't normally take that long for them to send you a confirmation letter. So it's just a a couple of days thing. Like, I would rather you just finalize it next week, and then it's all done and\n\nChannel 1: Yeah. I'll let my account know for sure.\n\nChannel 0: done. Perfect. Perfect. Now outside of that, we were doing a bit of a reduction on your life and disability insurance to 500,000. That's in there as well.\n\nAnd then\n\nChannel 1: Yep.\n\nChannel 0: we we're doing just a bit of a we weren't really doing much in estate planning at the moment. We were just waiting for, you know, like, separation, everything to finalize\n\nChannel 1: Yep.\n\nChannel 0: to update the the estate plan and anything\n\nChannel 1: Yep.\n\nChannel 0: to do with beneficiaries and the\n\nChannel 1: Yep.\n\nChannel 0: like. Cool. So I'll leave that alone for now. Now we've got all your sort of assets and liabilities listed in there. Key points of information.\n\nSo we're not changing your risk profile with your super, still high growth, and it's just\n\nChannel 1: Yep.\n\nChannel 0: giving it the old engine tune up on the investment option.\n\nChannel 1: Sure.\n\nChannel 0: Now what we've kind of come up with, what you'll see in the document is there's an investment table with green and red figures just showing you what we're selling, what we're buying.\n\nChannel 1: Yep.\n\nChannel 0: And you will see some round figures because we're pretty much rebalancing the portfolio. So all\n\nChannel 1: Yep.\n\nChannel 0: the options go back in line with the model that we originally\n\nChannel 1: Yeah.\n\nChannel 0: recommended. For example, you know, 9.27%, that gets brought back to seven. 5.7, that gets brought back up to seven. Just a bit of a rebalance. The Benelon option that was underperforming, I've got to switch out for that, and\n\nChannel 1: Yeah.\n\nChannel 0: it's called the Australian share option. It's basically\n\nChannel 1: Yep.\n\nChannel 0: lower fees, better performance over one, three, five, and ten years, and it has\n\nChannel 1: Yep.\n\nChannel 0: actually been outperforming the Australian market. So Google switch in there\n\nChannel 1: Yep.\n\nChannel 0: as well. There's a bit of cash that's pulled up in the super, so that's getting deployed everything above the 1.25% minimum. And\n\nChannel 1: Yep.\n\nChannel 0: what that basically does is it brings your asset allocation up from about 86% growth assets back up to that kind of 91, 92% for the\n\nChannel 1: Yeah.\n\nChannel 0: high growth risk profile.\n\nChannel 1: Got it.\n\nChannel 0: Cool. Now that kind of bumps up the long term returns just a little bit, that extra sort of 1% average over the five years per annum. It also\n\nChannel 1: Yep.\n\nChannel 0: drops about a quarter of the investment fee, much more affordable. And\n\nChannel 1: Yeah.\n\nChannel 0: I've included a bit of a top up of the contribution and about a 10% reduction in the insurance premiums for that trimmed down as well.\n\nChannel 1: Okay. Just thought it's\n\nChannel 0: So\n\nChannel 1: on\n\nChannel 0: premiums\n\nChannel 1: my mind\n\nChannel 0: go\n\nChannel 1: for\n\nChannel 0: down\n\nChannel 1: me. Just\n\nChannel 0: What's that, mate?\n\nChannel 1: just thought it's on my mind. I got a nasty surprise from my account yesterday just in terms of tax claim. Mhmm. So but I was just checking the super I contributed last year. Was it 25,000 thereabouts?\n\nOr can you see that funny? I thought\n\nChannel 0: I can.\n\nChannel 1: I added\n\nChannel 0: I've got your account open.\n\nChannel 1: yeah. I thought I added another five. I thought I got it to 30.\n\nChannel 0: I think you did. I did notice the other five in there in June. So I'll just pull up the transaction history. I\n\nChannel 1: Yeah.\n\nChannel 0: did actually see that, but, oh, yeah. Another five topped it up.\n\nChannel 1: Yeah. Because my account had a I think he I think I saw it actually at 25 maybe, and I thought, no. I'm sure I got that 5 in before before the end of financial, like, a week before.\n\nChannel 0: Alright. I've got it up in front of me, so let me just have a quick look. We've got voluntary contributions in July. Alright. So I've got the total loading, and I've got the individual transactions loading as well.\n\nSo just bear with it for one\n\nChannel 1: Yeah.\n\nChannel 0: sec.\n\nChannel 1: You're right. You're right.\n\nChannel 0: Alright. June. So we've got 400, 400, 400. Yeah. June 10 was 5,000.\n\nLet's\n\nChannel 1: Does that bring the total up to 30 or 25?\n\nChannel 0: have a look see here. So, actually, I'm just gonna quickly rerun this report for the financial year itself. So we can go last financial year, pop that one out.\n\nChannel 1: Yeah.\n\nChannel 0: Alright. That's coming through now. What are we looking at? Alright. So all the three hundreds, all the four hundreds.\n\nSo the total for the year is twenty six one twenty six thousand one hundred. We've got a couple actually went in there. So the last one was on the June 30 Mac Bank 400. There was 4,000 on the seventeenth, 5,000 on the tenth. So another\n\nChannel 1: Okay.\n\nChannel 0: $9 went in there on top of the threes and the fours.\n\nChannel 1: Yeah. That's okay. No problem.\n\nChannel 0: Cool. So if you're okay with that, I'll fill in the paperwork for the $26.01 to be claimed.\n\nChannel 1: Yeah. Is that the notice of the 10 deployments? So you're setting it out.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: That's right.\n\nChannel 1: That's cool.\n\nChannel 0: Yep.\n\nChannel 1: Thanks.\n\nChannel 0: 26,100 NOI. And then next financial year, we're just recommending to top up to the 32.5. However, you do that through the year, through the regular and the top up at the end of the year.\n\nChannel 1: Yeah. I can. That's for sure. My my share of the portfolios got absolutely slammed this year. So, anyway\n\nChannel 0: Personal shares?\n\nChannel 1: Yeah. I was doing so well and then a war started and it's absolutely went into a nightmare. So anyway, that's okay.\n\nChannel 0: Yeah. Look. One of the cool things too is what I really like about the plan for the super is the overall portfolio is actually doing pretty good. And then with that little bit of a switch out, getting that really high double digits, bit of lower fees, bit of lower premiums, bit of extra contributions, those\n\nChannel 1: Yeah.\n\nChannel 0: four things in and of itself, that should boost\n\nChannel 1: Yeah.\n\nChannel 0: things up by another 100,000 over the next ten years. So we're looking kind of like going from $4.60 to $5.77\n\nChannel 1: Yeah.\n\nChannel 0: just based on what's currently in there. Outside of that, we've got the reduction\n\nChannel 1: Yeah.\n\nChannel 0: there. Now we're just getting a fresh alteration quote with MetLife. I did compare four different insurers that came out really well, but MetLife was still kind of tippy top in terms of policy features score and also pricing for you as well. So I've just said, hey. Keep these guys, trim it down a little\n\nChannel 1: Yeah.\n\nChannel 0: bit, and\n\nChannel 1: Yeah.\n\nChannel 0: then we'll keep an eye on it together each year.\n\nChannel 1: Yeah. I've gotta cut it right down at the moment.\n\nChannel 0: Yeah. So this, again, this drops it by about 10%. But, again, at that next anniversary, it's gonna jump up again. So our\n\nChannel 1: Yep.\n\nChannel 0: next conversation is pretty much gonna say, okay. Once everything's settled down finances wise for you, let's see what we need to sort of move around or shop around and see if we can get a bit of bigger savings next time as well.\n\nChannel 1: Yep.\n\nChannel 0: Awesome. That's pretty much everything I wanted to cover. Everything in terms of, like, the service agreement with our queue, you still got a few months left on that one. You won't get any reminders until it's getting close to the expiry date in a few months' time. But outside\n\nChannel 1: Yeah.\n\nChannel 0: of that, this should really get it going back on a pretty damn good track.\n\nChannel 1: Alright. No worries. And there's nothing I have to sign over or anything with this? It's just in those documents? Is that just the information there I just need to look through?\n\nChannel 0: There is an authority to proceed at the back of the\n\nChannel 1: Okay.\n\nChannel 0: statement of advice. So the over sign button will bring you to that spot to sign off on it.\n\nChannel 1: Yeah.\n\nChannel 0: And then\n\nChannel 1: Okay.\n\nChannel 0: in\n\nChannel 1: Cool.\n\nChannel 0: the background, I'm gonna get the staff working on that notice form straight away.\n\nChannel 1: Okay. So that I'll just let the account know. We're just holding off because we had a bunch of mediation stuff going on too. So would that be sort of Monday? Tuesday?\n\nChannel 0: Yeah. Yeah. I'm gonna try and get someone onto the form today, tomorrow. And then once\n\nChannel 1: Yep.\n\nChannel 0: that's submitted, they usually get you a confirmation within a couple of days.\n\nChannel 1: Okay. That's right. Alright.\n\nChannel 0: Awesome, Awesome, mate. Any other questions at all? Just give us a buzz back, email,\n\nChannel 1: Yep.\n\nChannel 0: text, and\n\nChannel 1: Yep.\n\nChannel 0: I will get stuck into it straight away.\n\nChannel 1: Good on you. Thanks, Tommy.\n\nChannel 0: Thanks, Matt. Talk to you again soon, Matt.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.8799999,"end":3.3799999,"sentiment":"neutral","sentiment_score":0.04598205536603928}],"sentiment":"neutral","sentiment_score":0.04598205536603928,"channel":1,"num_words":1,"start":2.8799999,"end":3.3799999},{"sentences":[{"text":"Good afternoon, mister Smith.","start":4.0,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.31229545176029205},{"text":"It's Tommy here from.","start":5.3599997,"end":6.58,"sentiment":"neutral","sentiment_score":0.16698718816041946},{"text":"How you been?","start":6.72,"end":7.54,"sentiment":"neutral","sentiment_score":0.15220758318901062}],"sentiment":"neutral","sentiment_score":0.21579575538635254,"channel":0,"num_words":11,"start":4.0,"end":7.54},{"sentences":[{"text":"Good, Tommy.","start":7.52,"end":8.24,"sentiment":"neutral","sentiment_score":0.20274920761585236},{"text":"Sorry.","start":8.24,"end":8.559999,"sentiment":"neutral","sentiment_score":-0.06381265819072723},{"text":"I just got a It's flying off of me.","start":8.559999,"end":11.36,"sentiment":"neutral","sentiment_score":-0.26054782503181034},{"text":"Just a second.","start":11.36,"end":12.259999,"sentiment":"neutral","sentiment_score":-0.08114064981540044},{"text":"How's","start":12.799999,"end":13.12,"sentiment":"neutral","sentiment_score":0.023227691650390625}],"sentiment":"neutral","sentiment_score":-0.1389649328775704,"channel":1,"num_words":16,"start":7.52,"end":13.12},{"sentences":[{"text":"You're alright.","start":12.799999,"end":13.28,"sentiment":"neutral","sentiment_score":0.011864175670780241}],"sentiment":"neutral","sentiment_score":0.011864175670780241,"channel":0,"num_words":2,"start":12.799999,"end":13.28},{"sentences":[{"text":"that?","start":13.12,"end":13.62,"sentiment":"neutral","sentiment_score":-0.002655159682035446}],"sentiment":"neutral","sentiment_score":-0.002655159682035446,"channel":1,"num_words":1,"start":13.12,"end":13.62},{"sentences":[{"text":"No worries at all.","start":13.28,"end":14.055,"sentiment":"neutral","sentiment_score":0.042047228664159775},{"text":"I've got","start":15.415,"end":15.895,"sentiment":"neutral","sentiment_score":0.04155370593070984}],"sentiment":"neutral","sentiment_score":0.04188272108634313,"channel":0,"num_words":6,"start":13.28,"end":15.895},{"sentences":[{"text":"Yeah.","start":15.684999,"end":16.185,"sentiment":"neutral","sentiment_score":0.0846518725156784}],"sentiment":"neutral","sentiment_score":0.0846518725156784,"channel":1,"num_words":1,"start":15.684999,"end":16.185},{"sentences":[{"text":"you loud and clear.","start":15.895,"end":16.775,"sentiment":"neutral","sentiment_score":0.1041057389229536},{"text":"Can you hear me okay?","start":16.775,"end":17.835001,"sentiment":"neutral","sentiment_score":0.056761801987886426}],"sentiment":"neutral","sentiment_score":0.07780355173680517,"channel":0,"num_words":9,"start":15.895,"end":17.835001},{"sentences":[{"text":"Yep.","start":18.085,"end":18.404999,"sentiment":"neutral","sentiment_score":0.17753905057907104},{"text":"All good.","start":18.404999,"end":19.145,"sentiment":"positive","sentiment_score":0.5076448321342468}],"sentiment":"positive","sentiment_score":0.3976095716158549,"channel":1,"num_words":3,"start":18.085,"end":19.145},{"sentences":[{"text":"Fantastic.","start":20.295,"end":20.795,"sentiment":"positive","sentiment_score":0.6869788765907288},{"text":"Now, mate, I've got the updated advice strategy to send through to you.","start":21.015,"end":24.855,"sentiment":"neutral","sentiment_score":0.2922138124704361},{"text":"Will you be able","start":24.855,"end":25.494999,"sentiment":"neutral","sentiment_score":0.14886561408638954}],"sentiment":"neutral","sentiment_score":0.2822900497251087,"channel":0,"num_words":18,"start":20.295,"end":25.494999},{"sentences":[{"text":"Yep.","start":25.365,"end":25.865,"sentiment":"neutral","sentiment_score":0.16626602411270142}],"sentiment":"neutral","sentiment_score":0.16626602411270142,"channel":1,"num_words":1,"start":25.365,"end":25.865},{"sentences":[{"text":"to look on to your emails with me today?","start":25.494999,"end":27.18,"sentiment":"neutral","sentiment_score":0.11537285645802815}],"sentiment":"neutral","sentiment_score":0.11537285645802815,"channel":0,"num_words":9,"start":25.494999,"end":27.18},{"sentences":[{"text":"No.","start":29.419998,"end":29.82,"sentiment":"neutral","sentiment_score":-0.058851517736911774},{"text":"I didn't know we were doing it sort of yeah.","start":29.82,"end":33.26,"sentiment":"neutral","sentiment_score":-0.07660895138978958},{"text":"I'm driving at the moment.","start":33.26,"end":34.54,"sentiment":"neutral","sentiment_score":-0.030146651342511176},{"text":"I thought it was just a voice mail meeting.","start":34.54,"end":36.46,"sentiment":"neutral","sentiment_score":-0.04081634100940493},{"text":"That's all for me.","start":36.46,"end":37.519997,"sentiment":"neutral","sentiment_score":0.075219901278615}],"sentiment":"neutral","sentiment_score":-0.03593592249370854,"channel":1,"num_words":29,"start":29.419998,"end":37.519997},{"sentences":[{"text":"That's okay.","start":37.98,"end":38.54,"sentiment":"neutral","sentiment_score":0.23310428112745285},{"text":"I'll run you through the the key point, and then I'll","start":38.54,"end":41.485,"sentiment":"neutral","sentiment_score":0.17959074676036835}],"sentiment":"neutral","sentiment_score":0.18782359820145828,"channel":0,"num_words":13,"start":37.98,"end":41.485},{"sentences":[{"text":"Yep.","start":41.34,"end":41.84,"sentiment":"neutral","sentiment_score":0.14269427955150604}],"sentiment":"neutral","sentiment_score":0.14269427955150604,"channel":1,"num_words":1,"start":41.34,"end":41.84},{"sentences":[{"text":"just kind of leave the email with you to review and and have a read through.","start":41.485,"end":45.105003,"sentiment":"neutral","sentiment_score":0.12732067424803972}],"sentiment":"neutral","sentiment_score":0.12732067424803972,"channel":0,"num_words":16,"start":41.485,"end":45.105003},{"sentences":[{"text":"Yeah.","start":45.295002,"end":45.615,"sentiment":"neutral","sentiment_score":0.09226273745298386}],"sentiment":"neutral","sentiment_score":0.09226273745298386,"channel":1,"num_words":1,"start":45.295002,"end":45.615},{"sentences":[{"text":"And then","start":45.325,"end":45.725002,"sentiment":"neutral","sentiment_score":0.07235397025942802}],"sentiment":"neutral","sentiment_score":0.07235397025942802,"channel":0,"num_words":2,"start":45.325,"end":45.725002},{"sentences":[{"text":"Yeah.","start":45.615,"end":45.775,"sentiment":"neutral","sentiment_score":0.07562609016895294}],"sentiment":"neutral","sentiment_score":0.07562609016895294,"channel":1,"num_words":1,"start":45.615,"end":45.775},{"sentences":[{"text":"just","start":45.725002,"end":45.885002,"sentiment":"neutral","sentiment_score":0.06796533614397049}],"sentiment":"neutral","sentiment_score":0.06796533614397049,"channel":0,"num_words":1,"start":45.725002,"end":45.885002},{"sentences":[{"text":"Sure.","start":45.775,"end":46.275,"sentiment":"neutral","sentiment_score":0.1109078973531723}],"sentiment":"neutral","sentiment_score":0.1109078973531723,"channel":1,"num_words":1,"start":45.775,"end":46.275},{"sentences":[{"text":"give us a buzz if you got any 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check.","start":50.365,"end":54.065002,"sentiment":"neutral","sentiment_score":0.10151814222335816}],"sentiment":"neutral","sentiment_score":0.11859776824712753,"channel":0,"num_words":16,"start":49.885002,"end":54.065002},{"sentences":[{"text":"Yep.","start":54.415,"end":54.915,"sentiment":"neutral","sentiment_score":0.05730782449245453}],"sentiment":"neutral","sentiment_score":0.05730782449245453,"channel":1,"num_words":1,"start":54.415,"end":54.915},{"sentences":[{"text":"Just your date of birth and address, please.","start":54.77,"end":57.109997,"sentiment":"neutral","sentiment_score":0.05009986087679863}],"sentiment":"neutral","sentiment_score":0.05009986087679863,"channel":0,"num_words":8,"start":54.77,"end":57.109997},{"sentences":[{"text":"Fourteenth of second nineteen seventy five, and it's 1 Dash 17 Surrey Street in Box Hill 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close to the expiry date in a few months' time.","start":665.83496,"end":671.37,"sentiment":"positive","sentiment_score":0.36440152095423806},{"text":"But outside","start":671.85,"end":672.57,"sentiment":"neutral","sentiment_score":0.22359074652194977}],"sentiment":"positive","sentiment_score":0.46563675224781037,"channel":0,"num_words":50,"start":656.32,"end":672.57},{"sentences":[{"text":"Yeah.","start":672.425,"end":672.925,"sentiment":"positive","sentiment_score":0.43814265727996826}],"sentiment":"positive","sentiment_score":0.43814265727996826,"channel":1,"num_words":1,"start":672.425,"end":672.925},{"sentences":[{"text":"of that, this should really get it going back on a pretty damn good 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email,","start":729.68,"end":732.16,"sentiment":"neutral","sentiment_score":0.26399439573287964}],"sentiment":"positive","sentiment_score":0.43342161377271016,"channel":0,"num_words":15,"start":727.82495,"end":732.16},{"sentences":[{"text":"Yep.","start":732.11505,"end":732.61505,"sentiment":"neutral","sentiment_score":0.17102491855621338}],"sentiment":"neutral","sentiment_score":0.17102491855621338,"channel":1,"num_words":1,"start":732.11505,"end":732.61505},{"sentences":[{"text":"text, and","start":732.16,"end":733.37994,"sentiment":"neutral","sentiment_score":0.1826515942811966}],"sentiment":"neutral","sentiment_score":0.1826515942811966,"channel":0,"num_words":2,"start":732.16,"end":733.37994},{"sentences":[{"text":"Yep.","start":732.99506,"end":733.49506,"sentiment":"neutral","sentiment_score":0.245431587100029}],"sentiment":"neutral","sentiment_score":0.245431587100029,"channel":1,"num_words":1,"start":732.99506,"end":733.49506},{"sentences":[{"text":"I will get stuck into it straight away.","start":733.75995,"end":735.9289,"sentiment":"positive","sentiment_score":0.5673480778932571}],"sentiment":"positive","sentiment_score":0.5673480778932571,"channel":0,"num_words":8,"start":733.75995,"end":735.9289},{"sentences":[{"text":"Good on you.","start":736.11505,"end":736.755,"sentiment":"positive","sentiment_score":0.8076193531354269},{"text":"Thanks, Tommy.","start":736.755,"end":737.575,"sentiment":"positive","sentiment_score":0.7838703989982605}],"sentiment":"positive","sentiment_score":0.7981197714805603,"channel":1,"num_words":5,"start":736.11505,"end":737.575},{"sentences":[{"text":"Thanks, Matt.","start":738.8689,"end":739.4289,"sentiment":"positive","sentiment_score":0.7541090250015259},{"text":"Talk to you again soon, 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They will send a notice of intent claim form and update his contributions once it's finalized. The speaker provides information on his investments and liabilities, including investments and liabilities, and discusses his retirement plans. They also mention a new retirement plan and recommend a top-up to his total NOI. The speaker provides information on their insurance policy and mentions a few clients who were not well."},"intents":{"segments":[{"text":"give us a buzz if you got any questions. 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So it's just a a couple of days thing. Like, I would rather you just finalize it next week, and then it's all done and Yeah.","start_word":623,"end_word":663,"intents":[{"intent":"Complete confirmation letter","confidence_score":0.014315867}]},{"text":"we we're doing just a bit of a we weren't really doing much in estate planning at the moment. We were just waiting for, you know, like, separation, everything to finalize Yep. to update the the estate plan and anything Yep. to do with beneficiaries and the Yep. like.","start_word":702,"end_word":750,"intents":[{"intent":"Update estate plan and asset allocation","confidence_score":0.0008537917}]},{"text":"we we're doing just a bit of a we weren't really doing much in estate planning at the moment. We were just waiting for, you know, like, separation, everything to finalize Yep. to update the the estate plan and anything Yep. to do with beneficiaries and the Yep. like. Cool.","start_word":702,"end_word":751,"intents":[{"intent":"Finalize estate plan","confidence_score":0.13333869}]},{"text":"The Benelon option that was underperforming, I've got to switch out for that, and Yeah.","start_word":895,"end_word":909,"intents":[{"intent":"Switch from benelon option","confidence_score":0.0014237312}]},{"text":"what that basically does is it brings your asset allocation up from about 86% growth assets back up to that kind of 91, 92% for the Yeah. high growth risk profile. Got it.","start_word":970,"end_word":1002,"intents":[{"intent":"Summarize asset allocation","confidence_score":0.0006621585}]},{"text":"So, actually, I'm just gonna quickly rerun this report for the financial year itself. So we can go last financial year, pop that one out. Yeah.","start_word":1314,"end_word":1339,"intents":[{"intent":"Update financial reports","confidence_score":0.064240165}]},{"text":"And then next financial year, we're just recommending to top up to the 32.5. However, you do that through the year, through the regular and the top up at the end of the year. Yeah.","start_word":1467,"end_word":1501,"intents":[{"intent":"Discuss future plans","confidence_score":0.018008871}]},{"text":"My my share of the portfolios got absolutely slammed this year. So, anyway Personal shares?","start_word":1507,"end_word":1521,"intents":[{"intent":"Recommend personal shares","confidence_score":0.00014204026}]},{"text":"One of the cool things too is what I really like about the plan for the super is the overall portfolio is actually doing pretty good. And then with that little bit of a switch out, getting that really high double digits, bit of lower fees, bit of lower premiums, bit of extra contributions, those Yeah.","start_word":1546,"end_word":1601,"intents":[{"intent":"Discuss portfolio plan","confidence_score":0.15037729}]},{"text":"So we're looking kind of like going from $4.60 to $5.77 Yeah.","start_word":1622,"end_word":1633,"intents":[{"intent":"Discuss price reduction","confidence_score":0.03206666}]},{"text":"next conversation is pretty much gonna say, okay. Once everything's settled down finances wise for you, let's see what we need to sort of move around or shop around and see if we can get a bit of bigger savings next time as well. Yep.","start_word":1753,"end_word":1797,"intents":[{"intent":"Plan future conversation","confidence_score":0.0045646243}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon, mister Smith. It's Tommy here from. How you been? Good, Tommy. Sorry. I just got a It's flying off of me. Just a second. You're How's alright. that? No worries at all. I've got Yeah. you loud and clear. Can you hear me okay? Yep.","start_word":0,"end_word":47,"sentiment":"neutral","sentiment_score":0.03884599730372429},{"text":"All good. Fantastic.","start_word":48,"end_word":50,"sentiment":"positive","sentiment_score":0.5824923515319824},{"text":"Now, mate, I've got the updated advice strategy to send through to you. Will you be able Yep. to look on to your emails with me today? No. I didn't know we were doing it sort of yeah. I'm driving at the moment. I thought it was just a voice mail meeting. That's all for me. That's okay. I'll run you through the the key point, and then I'll Yep. just kind of leave the email with you to review and and have a read through. Yeah. And then Yeah. just Sure. give us a buzz if you got any questions. Yeah. That's fine.","start_word":51,"end_word":154,"sentiment":"neutral","sentiment_score":0.1154131144285202},{"text":"Perfect.","start_word":155,"end_word":155,"sentiment":"positive","sentiment_score":0.3747921586036682},{"text":"Now before I jump into it, mate, I will just do the usual security check. Yep. Just your date of birth and address, please. Fourteenth of second nineteen seventy five, and it's 1 Dash 17 Surrey Street in Box Hill South.","start_word":156,"end_word":196,"sentiment":"neutral","sentiment_score":0.06413917988538742},{"text":"Perfect. Fantastic. Thank you for that, mate.","start_word":197,"end_word":203,"sentiment":"positive","sentiment_score":0.5073444843292236},{"text":"Now while I've got you here so the email pack that I sent through for the advice document, it's got quite a number of documents attached with it just supporting research and product documents and things like Yep. Yep. that. So there is a solid eight documents there. Now when you go into that email, there'll basically be like a a purple sign button for Odoo, and it just brings all the documents up for you to peruse through and scroll through and skip around. Yeah. Yep. Now what's attached with it, you got the main advice document. You've got the appendix research, an alteration quote, three hub PDFs, and just some updated services guides for our licensing information. Yep. Perfect. Now quick run through. So you'll basically see a bit of a scoping section talking about what we're giving advice on, what we're not giving advice on in this document. Yep. Now main thing for you was pretty much to try and get you to that million dollars for retirement between the ages of 62, 65.","start_word":204,"end_word":380,"sentiment":"neutral","sentiment_score":0.09341033135598664},{"text":"Yep.","start_word":381,"end_word":381,"sentiment":"positive","sentiment_score":0.3667198419570923},{"text":"And we did have a bit of a chat about updating the portfolio and just popping up the contributions this financial year as well. Yep. Yep. Now on that note as well, I just wanted to double check with you. Have you gone through and done your tax return for the financial year just gone by?","start_word":382,"end_word":437,"sentiment":"neutral","sentiment_score":0.1998712122440338},{"text":"It's literally been done as we speak.","start_word":438,"end_word":444,"sentiment":"positive","sentiment_score":0.39223694801330566},{"text":"I'd say in the next couple of days, it's finalized. That's it. Okay. So one thing I wanted to run by you is just claiming the contribution for the super. Yeah. I Yeah. was recommending to do that for both years. Yeah. Can you do that, or did did you can you send that through to me, or what what I can't remember what Absolutely. we did. Right? So what I'll do is I can get our staff to do the notice of intent claim form, Yep. but you Yep. just need to pause the tax return until that's been confirmed with the tax office. Okay. Yep. And then with the if you're going through an accountant, I would just tell them, hey. I'm just claiming my super contributions. As soon as I get the letter through, can you just update that to finalize it? Because if that Alright. gets finalized further, it cuts you off from claiming it. And you'll send that through to me? Yeah. Yep.","start_word":445,"end_word":612,"sentiment":"neutral","sentiment_score":0.10180020332336426},{"text":"So we'll get this the paperwork sorted straight away.","start_word":613,"end_word":621,"sentiment":"positive","sentiment_score":0.3652512729167938},{"text":"Yep. And it doesn't normally take that long for them to send you a confirmation letter. So it's just a a couple of days thing. Like, I would rather you just finalize it next week, and then it's all done and Yeah. I'll let my account know for sure.","start_word":622,"end_word":670,"sentiment":"neutral","sentiment_score":0.2120834589004517},{"text":"done. Perfect. Perfect.","start_word":671,"end_word":673,"sentiment":"positive","sentiment_score":0.590285062789917},{"text":"Now outside of that, we were doing a bit of a reduction on your life and disability insurance to 500,000. That's in there as well. And then Yep. we we're doing just a bit of a we weren't really doing much in estate planning at the moment. We were just waiting for, you know, like, separation, everything to finalize Yep. to update the the estate plan and anything Yep. to do with beneficiaries and the Yep. like.","start_word":674,"end_word":750,"sentiment":"neutral","sentiment_score":-0.031142214313149452},{"text":"Cool.","start_word":751,"end_word":751,"sentiment":"positive","sentiment_score":0.38546496629714966},{"text":"So I'll leave that alone for now. Now we've got all your sort of assets and liabilities listed in there. Key points of information. So we're not changing your risk profile with your super, still high growth, and it's just Yep. giving it the old engine tune up on the investment option. Sure. Now what we've kind of come up with, what you'll see in the document is there's an investment table with green and red figures just showing you what we're selling, what we're buying. Yep. And you will see some round figures because we're pretty much rebalancing the portfolio. So all Yep. the options go back in line with the model that we originally Yeah. recommended. For example, you know, 9.27%, that gets brought back to seven. 5.7, that gets brought back up to seven. Just a bit of a rebalance. The Benelon option that was underperforming, I've got to switch out for that, and Yeah. it's called the Australian share option. It's basically Yep. lower fees, better performance over one, three, five, and ten years, and it has Yep. actually been outperforming the Australian market. So Google switch in there Yep. as well. There's a bit of cash that's pulled up in the super, so that's getting deployed everything above the 1.25% minimum. And Yep.","start_word":752,"end_word":969,"sentiment":"neutral","sentiment_score":0.08695203065872192},{"text":"what that basically does is it brings your asset allocation up from about 86% growth assets back up to that kind of 91, 92% for the Yeah.","start_word":970,"end_word":996,"sentiment":"positive","sentiment_score":0.3391299247741699},{"text":"high growth risk profile. Got it.","start_word":997,"end_word":1002,"sentiment":"neutral","sentiment_score":0.15058831870555878},{"text":"Cool. Now that kind of bumps up the long term returns just a little bit, that extra sort of 1% average over the five years per annum. It also Yep. drops about a quarter of the investment fee, much more affordable. And Yeah. I've included a bit of a top up of the contribution and about a 10% reduction in the insurance premiums for that trimmed down as well.","start_word":1003,"end_word":1071,"sentiment":"positive","sentiment_score":0.6223295685173809},{"text":"Okay. Just thought it's So on premiums my mind go for down me. Just What's that, mate? just thought it's on my mind. I got a nasty surprise from my account yesterday just in terms of tax claim. Mhmm. So but I was just checking the super I contributed last year. Was it 25,000 thereabouts? Or can you see that funny? I thought I can. I added I've got your account open. yeah. I thought I added another five. I thought I got it to 30. I think you did. I did notice the other five in there in June. So I'll just pull up the transaction history. I Yeah. did actually see that, but, oh, yeah. Another five topped it up. Yeah. Because my account had a I think he I think I saw it actually at 25 maybe, and I thought, no. I'm sure I got that 5 in before before the end of financial, like, a week before. Alright. I've got it up in front of me, so let me just have a quick look. We've got voluntary contributions in July. Alright. So I've got the total loading, and I've got the individual transactions loading as well. So just bear with it for one Yeah. sec. You're right. You're right. Alright. June. So we've got 400, 400, 400. Yeah. June 10 was 5,000. Let's Does that bring the total up to 30 or 25? have a look see here. So, actually, I'm just gonna quickly rerun this report for the financial year itself. So we can go last financial year, pop that one out. Yeah. Alright. That's coming through now. What are we looking at? Alright. So all the three hundreds, all the four hundreds. So the total for the year is twenty six one twenty six thousand one hundred. We've got a couple actually went in there. So the last one was on the June 30 Mac Bank 400. There was 4,000 on the seventeenth, 5,000 on the tenth. So another Okay. $9 went in there on top of the threes and the fours. Yeah. That's okay. No problem.","start_word":1072,"end_word":1424,"sentiment":"neutral","sentiment_score":0.034262243774389745},{"text":"Cool.","start_word":1425,"end_word":1425,"sentiment":"positive","sentiment_score":0.3420548439025879},{"text":"So if you're okay with that, I'll fill in the paperwork for the $26.01 to be claimed. Yeah. Is that the notice of the 10 deployments? So you're setting it out. Yeah. Yeah. That's right.","start_word":1426,"end_word":1460,"sentiment":"neutral","sentiment_score":0.1201709881424904},{"text":"That's cool. Yep. Thanks.","start_word":1461,"end_word":1464,"sentiment":"positive","sentiment_score":0.5238041281700134},{"text":"26,100 NOI. And then next financial year, we're just recommending to top up to the 32.5. However, you do that through the year, through the regular and the top up at the end of the year. Yeah. I can. That's for sure.","start_word":1465,"end_word":1506,"sentiment":"neutral","sentiment_score":0.049555279314517975},{"text":"My my share of the portfolios got absolutely slammed this year.","start_word":1507,"end_word":1517,"sentiment":"negative","sentiment_score":-0.4735526442527771},{"text":"So, anyway Personal shares? Yeah.","start_word":1518,"end_word":1522,"sentiment":"neutral","sentiment_score":-0.13252387940883636},{"text":"I was doing so well and then a war started and it's absolutely went into a nightmare.","start_word":1523,"end_word":1539,"sentiment":"negative","sentiment_score":-0.386591911315918},{"text":"So anyway, that's okay. Yeah. Look.","start_word":1540,"end_word":1545,"sentiment":"neutral","sentiment_score":0.031006664037704468},{"text":"One of the cool things too is what I really like about the plan for the super is the overall portfolio is actually doing pretty good. And then with that little bit of a switch out, getting that really high double digits, bit of lower fees, bit of lower premiums, bit of extra contributions, those Yeah. four things in and of itself, that should boost Yeah. things up by another 100,000 over the next ten years.","start_word":1546,"end_word":1621,"sentiment":"positive","sentiment_score":0.45847398042678833},{"text":"So we're looking kind of like going from $4.60 to $5.77 Yeah. just based on what's currently in there. Outside of that, we've got the reduction Yeah. there. Now we're just getting a fresh alteration quote with MetLife. I did compare four different insurers that came out really well, but MetLife was still kind of tippy top in terms of policy features score and also pricing for you as well. So I've just said, hey. Keep these guys, trim it down a little Yeah. bit, and Yeah. then we'll keep an eye on it together each year. Yeah. I've gotta cut it right down at the moment. Yeah. So this, again, this drops it by about 10%. But, again, at that next anniversary, it's gonna jump up again. So our Yep. next conversation is pretty much gonna say, okay. Once everything's settled down finances wise for you, let's see what we need to sort of move around or shop around and see if we can get a bit of bigger savings next time as well.","start_word":1622,"end_word":1796,"sentiment":"neutral","sentiment_score":0.05504519862788064},{"text":"Yep. Awesome. That's pretty much everything I wanted to cover. Everything in terms of, like, the service agreement with our queue, you still got a few months left on that one. You won't get any reminders until it's getting close to the expiry date in a few months' time.","start_word":1797,"end_word":1845,"sentiment":"positive","sentiment_score":0.4703650176525116},{"text":"But outside Yeah.","start_word":1846,"end_word":1848,"sentiment":"neutral","sentiment_score":0.3308666944503784},{"text":"of that, this should really get it going back on a pretty damn good track.","start_word":1849,"end_word":1863,"sentiment":"positive","sentiment_score":0.6136885285377502},{"text":"Alright. No worries. And there's nothing I have to sign over or anything with this? It's just in those documents? Is that just the information there I just need to look through? There is an authority to proceed at the back of the Okay. statement of advice. So the over sign button will bring you to that spot to sign off on it. Yeah. And then Okay. in Cool. the background, I'm gonna get the staff working on that notice form straight away. Okay. So that I'll just let the account know. We're just holding off because we had a bunch of mediation stuff going on too. So would that be sort of Monday? Tuesday? Yeah. Yeah. I'm gonna try and get someone onto the form today, tomorrow. And then once Yep. that's submitted, they usually get you a confirmation within a couple of days. Okay. That's right. Alright.","start_word":1864,"end_word":2012,"sentiment":"neutral","sentiment_score":0.09536200016736984},{"text":"Awesome, Awesome, mate. Any other questions at all?","start_word":2013,"end_word":2020,"sentiment":"positive","sentiment_score":0.6622197031974792},{"text":"Just give us a buzz back, email, Yep. text, and Yep.","start_word":2021,"end_word":2031,"sentiment":"neutral","sentiment_score":0.22909192740917209},{"text":"I will get stuck into it straight away. Good on you. Thanks, Tommy. Thanks, Matt. Talk to you again soon, Matt.","start_word":2032,"end_word":2052,"sentiment":"positive","sentiment_score":0.631156861782074}],"average":{"sentiment":"neutral","sentiment_score":0.1320214402480883}}}}