{"metadata":{"transaction_key":"deprecated","request_id":"019f217c-abdd-7151-9ced-88a08d93f600","sha256":"252bce253ae4b9811f65b48f9082528a807a8be274c3ff2319a3543ab02317d4","created":"2026-07-02T06:20:48.300Z","duration":942.98395,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":3321,"output_tokens":130},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3662,"output_tokens":3670},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3662,"output_tokens":306}},"results":{"channels":[{"alternatives":[{"transcript":"Good day, Sean. Tommy here, senior adviser at Oakview, mate. How are you doing? I'm just giving you a call to go through your annual review. Do you still have a bit of time for me? The usual review pack email. But while I do that, are you able to confirm your date of birth and address for security for me? Yep. Thank you. Sensational. And just for your own purposes, I'm registered with Aptive as adviser 1273105. Sean, is there anything in particular you're hoping to get out of this year's annual review? Yeah, mate. I can imagine it's it's pretty hectic and especially farm life. That's for sure. I've got a few family members and in laws running farms in North Queensland there, and it can always be something to do and try to put out. Awesome. Well, I appreciate you taking a few minutes for me today. So I'll pop this pack off to you, but I'm assuming while you're driving the track, you're probably not gonna jump on the email with me today. You might just have a look at it later. Awesome. So what I wanted to do today is I'll just give you a quick update with what's been going on with the super because we made a few changes to it recently. And just sort of see if there's been any major changes in the circumstances because we've had a new system. And just wanna update your details. Is that okay? Cool. So I'm just gonna quickly run through what we've got. Main main focus in terms of goals for you last time was pretty much just pay off the mortgage and then maybe boost up the super after that sorted and basically retire debt free, home paid off, and a super alongside you. Does that sound right? Yeah. Yep. And the other thing was you had a bit of insurances disability income protection that we put through Neos. Yeah. Can I talk to you about that one first? Because that one concerned me a little bit. One of the things when it comes to set premiums is it goes up with your age, normal insurance price increases. And through the 50, this jumps up very, very, very quickly. I've just had a look at the recent premium that's gonna be coming out in August, and it's sitting close to $6,000 before the 15 percent rebate. So you've got the life in TPD, couple of $100 there, which basically pays off the mortgage and gives you a top up. Those aren't too expensive. I'm having a look at both of those. They're about $600 a year for the life insurance, 1,700 for the TPD. But it's the income protection that's the biggest hit at the moment. So it's 4,000 a month worth of cover, sorry, $4.02 $5.02, which is about a thousand bucks a week, but it's $4 a year for the income protection for the two year benefit, sixty day waiting period. So what I wanted to ask you is because that's kind of I need to make sure fees aren't really butchering you super too much because we can get as much growth as we can, but if the fees are too high, that's gonna be an issue. Do you still value, first of all, the life and disability insurance to pay off the mortgage in those lump sum? Yeah. Yeah. And what are your thoughts with this income protection? Because I can't reduce the benefit period below two years to get it any cheaper. The only way you can make it less expensive is trim it down further, which is quite minimal, or you kick out the waiting period for you know, you have to wait longer than sixty days before you claim on. So I want to cover in place. Is it important to you? I can do some quotes for you. Going from the the eight weeks to the twelve weeks is usually to go where you can do thirty, sixty, or ninety days. You're at sixty now, ninety days is possible. The only thing longer than that is two years, and there's no point waiting two years for your income protection to kick in. So, yeah, do you want me to do a quote for ninety days and see what that looks like? Yep. Yeah. Exactly. Right. So I'll do a bit of a quote. I'll do my usual comparison to see if there's anyone out there that's offering anything better because sometimes they do every few years, And then I'll come back to you with just what that pricing looks like. Perfect. Last couple of details to check with you is you're obviously still doing the farming. We had your income at a 120. Congratulations. And does that give you, like, a regular, like, surplus cash flow that you can put aside, or is your budget kind of a bit up and down? Oh, amazing. Okay. That's fantastic. So mortgage is down to 30. That's looking pretty good. One of the okay. Just over 30. Contributions to super just to kind of cap things off as you lead into retirement closer to 60 or even after 60. Do you want me to look at any salary sacrifice this financial year, or do you want me to hold off the twelve months at least? Perfect. So mortgage paid off first. We can look at that 15% tax on salary sacrifice next year. And then when you hit 60, we can do the old TTR strategies where we can pull a bit out of your super and put it back in again for a deduction, and that'll help boost things up as well between sixty and sixty five. Sensational. We've got just in terms of family, mate, we we had you listed as the facto a while ago. Is that still correct? Relationship status, we had you down as the facto originally, and I'm just wondering if that's a bit out of date. Cool. And do you have any dependents under 18? Sensational. Last couple of questions. So assets wise, we had car, boat, farm equipment, and trucks for about a $180, a few grand worth of shares in seven group, and a 115 in the recall. That all sound pretty close to the mark? Perfect. And you never gone through, like, a a bankruptcy or a part nine debt agreement before, have you? So and last question. In terms of the estate planning, I believe the beneficiaries are all up to date, which is good. Just double checking if you ended up putting in place, like, a will and a power of attorney. I'll put you in there for the next plan on that one. Just for your own info, like, you can always get it from the post office that a government approved for $25 a pop. Lawyers courthouse, there's a few different options there if that's important for you. Cool. Now on the super side of things, so do you usually log in and check it every now and then? Okay. So let me just give you an idea with what's been going on. You let me know if you're still comfortable with all this. So on the news, well, kind of exploded around Christmas time in March. Stock market went tumbling down. It's had a bit of a bounce back then. So what's basically happened to the super is I'm just having a look at the individual investment options here. So you kind of tumbled down about minus 8% in return around April. Now at that point, what we did, because that was down to one investment, all the other investments that you've got were up double digits. We had one there in the Australian shares that were going down quite fast, And we made a decision across all clients at an investment committee level to basically divest everybody out of that one option and switch it to an option that had some lower fees and better performance on it. And since then, it's picked it over back up to back up to neutral from the negative 8% that you've had it jump back up another $12. Yeah. So I just wanna let you know when I look at all the options that you've got, that was the one that I was worried about, and that's kind of been resolved already ahead of time. All the other options, the gold, the international shares, everything's looking pretty good there. Yeah. The main thing for you at the moment, because you're sitting at about 405,000 now, on top of all your contributions all up, but you're in that kind of high growth portfolio. Does that ring a bell? Yep. So when it comes to the high growth, because pretty much all your super is in growth assets, you know, high risk, high return, shares, property, gold, trying to get those last few returns. Normally, I recommend you keep that for at least ten years because if the stock market crashes, you need enough time for it to bounce back and get the returns that you're aiming for for the retirement goal. Does that make sense? Yep. So what I wanted to ask you is just in terms of when you're thinking of hanging up the boots, whether that was '60 or '65 or '67, just to gauge time frame with you. Yep. So the main thing at the moment is if we stay high growth, because you are at 400,000 now, when you get that 10% return up and down, the the super is gonna be jumping up and down about 40 to $50,000 at a time. So this time next year, it could be $3.50 or it could be $4.60, even 500,000. Generally speaking, the idea is you can go to the high growth to get those returns to get up to the $5.06, $7,800,000. But as you get closer to retirement, I've got to reduce the risk level down because I don't want to get high growth at 64, and you lose half of it a day before you retire. Does that make sense to you? So I just wanted to double check with you. Are you still comfortable with that idea of, like, let's just grow it as much as we can, and then in a couple of years time, we'll start to kind of slowly reduce the risk level down? So the way that kind of plays out for most people is between the kind of early fifties, the sixties, and then we start reducing you down from a 100% growth asset to ninety, eighty, seventy, sixty, fifty, forty gradually over that last seven years. And then basically when you hit retirement age, you've got a nice conservative portfolio that you can live off, earn your four to 5%, and kind of live off of that. Yeah. K? So I'm gonna put in the original figures for your retirement goal at the moment, keep it the high growth. Realistically, I think the main thing at the moment is just get the insurance premium down, revisit some contributions after the mortgage is paid off, and then reduce the risk after that. Yep. Cool. Are you happy with that so far? Do you have any questions for me? Yep. Cool. Just for your own information as well, so in the pack that I've sent you on the emails there, so you get the usual reports for the insurance, the super financial services guide with our license info, updated privacy policy, and so on. I've included the updated service agreement in there because it has expired. Just for your own info as well, we normally charge the 1.65% on the fee spread throughout the year. When you get to 600,000, we do cap our fees. But next year, we're gonna bring in a tiered fee structure. So, basically, anyone above $200, they're gonna start to get some percentage discount every couple of $100 after that on your next review. K? So the one at the moment is still the same as last year, but when we're talking this time next year, there'll be some discounts applied. So just have a read through that pack when you get a chance, and just let us know if you've got any questions. Cool. From here, mate, I'm pretty much just going to go and then the team will basically give you a buzz in a couple of weeks to run through the figures with me. Does that sound okay? Yeah. So I've refreshed that through. Basically, at the bottom of the email is all the the attachments there for all your reports for the super and the insurance. There is, like, a purple sign here button for the agreement so we can still be advisers on your account. And, basically, if you click through the buttons, it'll stamp signatures, dates, and names on there. If you wanna draw it, just click on the signature and draw it with your finger there or on the computer with a mouse. Yep. Awesome. Is there anything else I can sort out for you before I let you go, Sean? Yep. Get the fees down, grow the super, sort out the mortgage, reduce the risk, and then live happily ever after. Awesome. Awesome. Well, I appreciate you taking the time while you're on the tractor with me, mate. If anything pops up, please give us a buzz. But, again, we're gonna reach out to you in a couple of weeks just to run through those figures together. Awesome, mate. Have a fantastic day, and I'll talk to you again soon. Thank you. 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day, Sean. Tommy here, senior adviser at Oakview, mate. How are you doing? I'm just giving you a call to go through your annual review. Do you still have a bit of time for me?\n\nThe usual review pack email. But while I do that, are you able to confirm your date of birth and address for security for me? Yep. Thank you. Sensational.\n\nAnd just for your own purposes, I'm registered with Aptive as adviser 1273105. Sean, is there anything in particular you're hoping to get out of this year's annual review? Yeah, mate. I can imagine it's it's pretty hectic and especially farm life. That's for sure.\n\nI've got a few family members and in laws running farms in North Queensland there, and it can always be something to do and try to put out. Awesome. Well, I appreciate you taking a few minutes for me today. So I'll pop this pack off to you, but I'm assuming while you're driving the track, you're probably not gonna jump on the email with me today. You might just have a look at it later.\n\nAwesome. So what I wanted to do today is I'll just give you a quick update with what's been going on with the super because we made a few changes to it recently. And just sort of see if there's been any major changes in the circumstances because we've had a new system. And just wanna update your details. Is that okay?\n\nCool. So I'm just gonna quickly run through what we've got. Main main focus in terms of goals for you last time was pretty much just pay off the mortgage and then maybe boost up the super after that sorted and basically retire debt free, home paid off, and a super alongside you. Does that sound right? Yeah.\n\nYep. And the other thing was you had a bit of insurances disability income protection that we put through Neos. Yeah. Can I talk to you about that one first? Because that one concerned me a little bit.\n\nOne of the things when it comes to set premiums is it goes up with your age, normal insurance price increases. And through the 50, this jumps up very, very, very quickly. I've just had a look at the recent premium that's gonna be coming out in August, and it's sitting close to $6,000 before the 15 percent rebate. So you've got the life in TPD, couple of $100 there, which basically pays off the mortgage and gives you a top up. Those aren't too expensive.\n\nI'm having a look at both of those. They're about $600 a year for the life insurance, 1,700 for the TPD. But it's the income protection that's the biggest hit at the moment. So it's 4,000 a month worth of cover, sorry, $4.02 $5.02, which is about a thousand bucks a week, but it's $4 a year for the income protection for the two year benefit, sixty day waiting period. So what I wanted to ask you is because that's kind of I need to make sure fees aren't really butchering you super too much because we can get as much growth as we can, but if the fees are too high, that's gonna be an issue.\n\nDo you still value, first of all, the life and disability insurance to pay off the mortgage in those lump sum? Yeah. Yeah. And what are your thoughts with this income protection? Because I can't reduce the benefit period below two years to get it any cheaper.\n\nThe only way you can make it less expensive is trim it down further, which is quite minimal, or you kick out the waiting period for you know, you have to wait longer than sixty days before you claim on. So I want to cover in place. Is it important to you? I can do some quotes for you. Going from the the eight weeks to the twelve weeks is usually to go where you can do thirty, sixty, or ninety days.\n\nYou're at sixty now, ninety days is possible. The only thing longer than that is two years, and there's no point waiting two years for your income protection to kick in. So, yeah, do you want me to do a quote for ninety days and see what that looks like? Yep. Yeah.\n\nExactly. Right. So I'll do a bit of a quote. I'll do my usual comparison to see if there's anyone out there that's offering anything better because sometimes they do every few years, And then I'll come back to you with just what that pricing looks like. Perfect.\n\nLast couple of details to check with you is you're obviously still doing the farming. We had your income at a 120. Congratulations. And does that give you, like, a regular, like, surplus cash flow that you can put aside, or is your budget kind of a bit up and down? Oh, amazing.\n\nOkay. That's fantastic. So mortgage is down to 30. That's looking pretty good. One of the okay.\n\nJust over 30. Contributions to super just to kind of cap things off as you lead into retirement closer to 60 or even after 60. Do you want me to look at any salary sacrifice this financial year, or do you want me to hold off the twelve months at least? Perfect. So mortgage paid off first.\n\nWe can look at that 15% tax on salary sacrifice next year. And then when you hit 60, we can do the old TTR strategies where we can pull a bit out of your super and put it back in again for a deduction, and that'll help boost things up as well between sixty and sixty five. Sensational. We've got just in terms of family, mate, we we had you listed as the facto a while ago. Is that still correct?\n\nRelationship status, we had you down as the facto originally, and I'm just wondering if that's a bit out of date. Cool. And do you have any dependents under 18? Sensational. Last couple of questions.\n\nSo assets wise, we had car, boat, farm equipment, and trucks for about a $180, a few grand worth of shares in seven group, and a 115 in the recall. That all sound pretty close to the mark? Perfect. And you never gone through, like, a a bankruptcy or a part nine debt agreement before, have you? So and last question.\n\nIn terms of the estate planning, I believe the beneficiaries are all up to date, which is good. Just double checking if you ended up putting in place, like, a will and a power of attorney. I'll put you in there for the next plan on that one. Just for your own info, like, you can always get it from the post office that a government approved for $25 a pop. Lawyers courthouse, there's a few different options there if that's important for you.\n\nCool. Now on the super side of things, so do you usually log in and check it every now and then? Okay. So let me just give you an idea with what's been going on. You let me know if you're still comfortable with all this.\n\nSo on the news, well, kind of exploded around Christmas time in March. Stock market went tumbling down. It's had a bit of a bounce back then. So what's basically happened to the super is I'm just having a look at the individual investment options here. So you kind of tumbled down about minus 8% in return around April.\n\nNow at that point, what we did, because that was down to one investment, all the other investments that you've got were up double digits. We had one there in the Australian shares that were going down quite fast, And we made a decision across all clients at an investment committee level to basically divest everybody out of that one option and switch it to an option that had some lower fees and better performance on it. And since then, it's picked it over back up to back up to neutral from the negative 8% that you've had it jump back up another $12. Yeah. So I just wanna let you know when I look at all the options that you've got, that was the one that I was worried about, and that's kind of been resolved already ahead of time.\n\nAll the other options, the gold, the international shares, everything's looking pretty good there. Yeah. The main thing for you at the moment, because you're sitting at about 405,000 now, on top of all your contributions all up, but you're in that kind of high growth portfolio. Does that ring a bell? Yep.\n\nSo when it comes to the high growth, because pretty much all your super is in growth assets, you know, high risk, high return, shares, property, gold, trying to get those last few returns. Normally, I recommend you keep that for at least ten years because if the stock market crashes, you need enough time for it to bounce back and get the returns that you're aiming for for the retirement goal. Does that make sense? Yep. So what I wanted to ask you is just in terms of when you're thinking of hanging up the boots, whether that was '60 or '65 or '67, just to gauge time frame with you.\n\nYep. So the main thing at the moment is if we stay high growth, because you are at 400,000 now, when you get that 10% return up and down, the the super is gonna be jumping up and down about 40 to $50,000 at a time. So this time next year, it could be $3.50 or it could be $4.60, even 500,000. Generally speaking, the idea is you can go to the high growth to get those returns to get up to the $5.06, $7,800,000. But as you get closer to retirement, I've got to reduce the risk level down because I don't want to get high growth at 64, and you lose half of it a day before you retire.\n\nDoes that make sense to you? So I just wanted to double check with you. Are you still comfortable with that idea of, like, let's just grow it as much as we can, and then in a couple of years time, we'll start to kind of slowly reduce the risk level down? So the way that kind of plays out for most people is between the kind of early fifties, the sixties, and then we start reducing you down from a 100% growth asset to ninety, eighty, seventy, sixty, fifty, forty gradually over that last seven years. And then basically when you hit retirement age, you've got a nice conservative portfolio that you can live off, earn your four to 5%, and kind of live off of that.\n\nYeah. K? So I'm gonna put in the original figures for your retirement goal at the moment, keep it the high growth. Realistically, I think the main thing at the moment is just get the insurance premium down, revisit some contributions after the mortgage is paid off, and then reduce the risk after that. Yep.\n\nCool. Are you happy with that so far? Do you have any questions for me? Yep. Cool.\n\nJust for your own information as well, so in the pack that I've sent you on the emails there, so you get the usual reports for the insurance, the super financial services guide with our license info, updated privacy policy, and so on. I've included the updated service agreement in there because it has expired. Just for your own info as well, we normally charge the 1.65% on the fee spread throughout the year. When you get to 600,000, we do cap our fees. But next year, we're gonna bring in a tiered fee structure.\n\nSo, basically, anyone above $200, they're gonna start to get some percentage discount every couple of $100 after that on your next review. K? So the one at the moment is still the same as last year, but when we're talking this time next year, there'll be some discounts applied. So just have a read through that pack when you get a chance, and just let us know if you've got any questions. Cool.\n\nFrom here, mate, I'm pretty much just going to go and then the team will basically give you a buzz in a couple of weeks to run through the figures with me. Does that sound okay? Yeah. So I've refreshed that through. Basically, at the bottom of the email is all the the attachments there for all your reports for the super and the insurance.\n\nThere is, like, a purple sign here button for the agreement so we can still be advisers on your account. And, basically, if you click through the buttons, it'll stamp signatures, dates, and names on there. If you wanna draw it, just click on the signature and draw it with your finger there or on the computer with a mouse. Yep. Awesome.\n\nIs there anything else I can sort out for you before I let you go, Sean? Yep. Get the fees down, grow the super, sort out the mortgage, reduce the risk, and then live happily ever after. Awesome. Awesome.\n\nWell, I appreciate you taking the time while you're on the tractor with me, mate. If anything pops up, please give us a buzz. But, again, we're gonna reach out to you in a couple of weeks just to run through those figures together. Awesome, mate. Have a fantastic day, and I'll talk to you again soon.\n\nThank you. Bye.","paragraphs":[{"sentences":[{"text":"Good day, Sean.","start":2.96,"end":3.76,"sentiment":"positive","sentiment_score":0.3837735950946808},{"text":"Tommy here, senior adviser at Oakview, mate.","start":3.76,"end":5.8399997,"sentiment":"neutral","sentiment_score":0.2931879758834839},{"text":"How are you doing?","start":5.8399997,"end":6.66,"sentiment":"neutral","sentiment_score":0.3016386702656746},{"text":"I'm just giving you a call to go through your annual review.","start":8.559999,"end":11.28,"sentiment":"neutral","sentiment_score":0.15795978034536043},{"text":"Do you still have a bit of time for me?","start":11.28,"end":12.855,"sentiment":"neutral","sentiment_score":0.06033948585391045}],"sentiment":"neutral","sentiment_score":0.19191954222818217,"num_words":36,"start":2.96,"end":12.855},{"sentences":[{"text":"The usual review pack email.","start":19.255,"end":21.195,"sentiment":"neutral","sentiment_score":0.04425201490521431},{"text":"But while I do that, are you able to confirm your date of birth and address for security for me?","start":21.654999,"end":26.73,"sentiment":"neutral","sentiment_score":0.06152732502669096},{"text":"Yep.","start":32.01,"end":32.41,"sentiment":"neutral","sentiment_score":0.02489788830280304},{"text":"Thank you.","start":32.41,"end":33.15,"sentiment":"neutral","sentiment_score":0.23590893298387527},{"text":"Sensational.","start":37.21,"end":37.71,"sentiment":"neutral","sentiment_score":0.039247505366802216}],"sentiment":"neutral","sentiment_score":0.06854378740335333,"num_words":29,"start":19.255,"end":37.71},{"sentences":[{"text":"And just for your own purposes, I'm registered with Aptive as adviser 1273105.","start":38.01,"end":44.415,"sentiment":"neutral","sentiment_score":0.05398805912297506},{"text":"Sean, is there anything in particular you're hoping to get out of this year's annual review?","start":45.195,"end":48.975,"sentiment":"neutral","sentiment_score":0.03359649429330602},{"text":"Yeah, mate.","start":56.01,"end":56.489998,"sentiment":"neutral","sentiment_score":-0.15431389957666397},{"text":"I can imagine it's it's pretty hectic and especially farm life.","start":56.489998,"end":60.489998,"sentiment":"neutral","sentiment_score":-0.2466660182584416},{"text":"That's for sure.","start":60.489998,"end":61.13,"sentiment":"neutral","sentiment_score":-0.19011656939983368}],"sentiment":"neutral","sentiment_score":-0.052287000686758095,"num_words":45,"start":38.01,"end":61.13},{"sentences":[{"text":"I've got a few family members and in laws running farms in North Queensland there, and it can always be something to do and try to put out.","start":61.13,"end":69.869995,"sentiment":"neutral","sentiment_score":-0.18874442311269896},{"text":"Awesome.","start":80.735,"end":81.055,"sentiment":"positive","sentiment_score":0.368208110332489},{"text":"Well, I appreciate you taking a few minutes for me today.","start":81.055,"end":83.475,"sentiment":"positive","sentiment_score":0.3365753550421108},{"text":"So I'll pop this pack off to you, but I'm assuming while you're driving the track, you're probably not gonna jump on the email with me today.","start":84.65,"end":90.83,"sentiment":"neutral","sentiment_score":0.030365162598038162},{"text":"You might just have a look at it later.","start":91.61,"end":93.39,"sentiment":"neutral","sentiment_score":0.036548318134413824}],"sentiment":"neutral","sentiment_score":-0.0008620076053040592,"num_words":76,"start":61.13,"end":93.39},{"sentences":[{"text":"Awesome.","start":95.29,"end":95.770004,"sentiment":"positive","sentiment_score":0.35371607542037964},{"text":"So what I wanted to do today is I'll just give you a quick update with what's been going on with the super because we made a few changes to it recently.","start":95.770004,"end":102.575005,"sentiment":"neutral","sentiment_score":0.21418775990605354},{"text":"And just sort of see if there's been any major changes in the circumstances because we've had a new system.","start":103.035,"end":108.875,"sentiment":"neutral","sentiment_score":0.02222901596687734},{"text":"And just wanna update your details.","start":108.875,"end":110.475006,"sentiment":"neutral","sentiment_score":0.13451030229528746},{"text":"Is that okay?","start":110.475006,"end":111.295,"sentiment":"neutral","sentiment_score":0.1305799608429273}],"sentiment":"neutral","sentiment_score":0.14275978077503462,"num_words":62,"start":95.29,"end":111.295},{"sentences":[{"text":"Cool.","start":113.22,"end":113.54,"sentiment":"positive","sentiment_score":0.519292414188385},{"text":"So I'm just gonna quickly run through what we've got.","start":113.54,"end":116.04,"sentiment":"neutral","sentiment_score":0.2997706010937691},{"text":"Main main focus in terms of goals for you last time was pretty much just pay off the mortgage and then maybe boost up the super after that sorted and basically retire debt free, home paid off, and a super alongside you.","start":116.5,"end":129.345,"sentiment":"positive","sentiment_score":0.35591436532281695},{"text":"Does that sound right?","start":129.345,"end":130.405,"sentiment":"neutral","sentiment_score":0.16168825700879097},{"text":"Yeah.","start":131.66501,"end":132.16501,"sentiment":"neutral","sentiment_score":0.08924107998609543}],"sentiment":"neutral","sentiment_score":0.3310585495983732,"num_words":58,"start":113.22,"end":132.16501},{"sentences":[{"text":"Yep.","start":132.225,"end":132.465,"sentiment":"neutral","sentiment_score":0.07242031395435333},{"text":"And the other thing was you had a bit of insurances disability income protection that we put through Neos.","start":132.465,"end":141.845,"sentiment":"neutral","sentiment_score":0.016736244145584733},{"text":"Yeah.","start":151.67,"end":151.98999,"sentiment":"neutral","sentiment_score":0.012806747108697891},{"text":"Can I talk to you about that one first?","start":151.98999,"end":153.75,"sentiment":"neutral","sentiment_score":0.008371802253855599},{"text":"Because that one concerned me a little bit.","start":153.75,"end":155.835,"sentiment":"neutral","sentiment_score":-0.14824422635138035}],"sentiment":"neutral","sentiment_score":-0.018615576070978454,"num_words":38,"start":132.225,"end":155.835},{"sentences":[{"text":"One of the things when it comes to set premiums is it goes up with your age, normal insurance price increases.","start":156.79501,"end":163.77501,"sentiment":"neutral","sentiment_score":-0.15349556115411578},{"text":"And through the 50, this jumps up very, very, very quickly.","start":164.315,"end":168.015,"sentiment":"neutral","sentiment_score":-0.09193390946496617},{"text":"I've just had a look at the recent premium that's gonna be coming out in August, and it's sitting close to $6,000 before the 15 percent rebate.","start":169.65999,"end":178.23999,"sentiment":"neutral","sentiment_score":0.059685433835343076},{"text":"So you've got the life in TPD, couple of $100 there, which basically pays off the mortgage and gives you a top up.","start":178.78,"end":186.345,"sentiment":"neutral","sentiment_score":0.2097319526516873},{"text":"Those aren't too expensive.","start":186.88501,"end":188.66501,"sentiment":"neutral","sentiment_score":-0.0510532483458519}],"sentiment":"neutral","sentiment_score":0.023214521428007028,"num_words":86,"start":156.79501,"end":188.66501},{"sentences":[{"text":"I'm having a look at both of those.","start":188.80501,"end":190.24501,"sentiment":"neutral","sentiment_score":0.028746249387040734},{"text":"They're about $600 a year for the life insurance, 1,700 for the TPD.","start":190.24501,"end":195.54501,"sentiment":"neutral","sentiment_score":-0.021220580101586305},{"text":"But it's the income protection that's the biggest hit at the moment.","start":197.24,"end":200.62001,"sentiment":"negative","sentiment_score":-0.37833191081881523},{"text":"So it's 4,000 a month worth of cover, sorry, $4.02 $5.02, which is about a thousand bucks a week, but it's $4 a year for the income protection for the two year benefit, sixty day waiting period.","start":201.24,"end":215.02501,"sentiment":"neutral","sentiment_score":-0.03506303548410132},{"text":"So what I wanted to ask you is because that's kind of I need to make sure fees aren't really butchering you super too much because we can get as much growth as we can, but if the fees are too high, that's gonna be an issue.","start":217.16501,"end":227.51999,"sentiment":"negative","sentiment_score":-0.3626777461551605}],"sentiment":"neutral","sentiment_score":-0.19597493041243053,"num_words":117,"start":188.80501,"end":227.51999},{"sentences":[{"text":"Do you still value, first of all, the life and disability insurance to pay off the mortgage in those lump sum?","start":228.37999,"end":234.0,"sentiment":"neutral","sentiment_score":0.09576151830454667},{"text":"Yeah.","start":235.57999,"end":236.07999,"sentiment":"neutral","sentiment_score":0.06172244995832443},{"text":"Yeah.","start":236.845,"end":237.08499,"sentiment":"neutral","sentiment_score":0.06329125165939331},{"text":"And what are your thoughts with this income protection?","start":237.08499,"end":239.185,"sentiment":"neutral","sentiment_score":0.05483682950337728},{"text":"Because I can't reduce the benefit period below two years to get it any cheaper.","start":239.245,"end":244.625,"sentiment":"neutral","sentiment_score":-0.006612067731718223}],"sentiment":"neutral","sentiment_score":0.05383736245888979,"num_words":47,"start":228.37999,"end":244.625},{"sentences":[{"text":"The only way you can make it less expensive is trim it down further, which is quite minimal, or you kick out the waiting period for you know, you have to wait longer than sixty days before you claim on.","start":245.165,"end":256.49,"sentiment":"neutral","sentiment_score":0.013780968263745308},{"text":"So I want to cover in place.","start":256.49,"end":259.71,"sentiment":"neutral","sentiment_score":0.04878798819014004},{"text":"Is it important to you?","start":259.85,"end":261.31,"sentiment":"neutral","sentiment_score":0.051065243780612946},{"text":"I can do some quotes for you.","start":270.67502,"end":272.535,"sentiment":"neutral","sentiment_score":0.10681566276720592},{"text":"Going from the the eight weeks to the twelve weeks is usually to go where you can do thirty, sixty, or ninety days.","start":272.755,"end":279.875,"sentiment":"neutral","sentiment_score":0.08704369774331218}],"sentiment":"neutral","sentiment_score":0.04753409212500584,"num_words":82,"start":245.165,"end":279.875},{"sentences":[{"text":"You're at sixty now, ninety days is possible.","start":279.875,"end":282.85,"sentiment":"neutral","sentiment_score":0.11135052144527435},{"text":"The only thing longer than that is two years, and there's no point waiting two years for your income protection to kick in.","start":283.15,"end":289.01,"sentiment":"neutral","sentiment_score":-0.009382614137037941},{"text":"So, yeah, do you want me to do a quote for ninety days and see what that looks like?","start":290.51,"end":295.155,"sentiment":"neutral","sentiment_score":0.06225865902869325},{"text":"Yep.","start":306.035,"end":306.535,"sentiment":"neutral","sentiment_score":0.20840969681739807},{"text":"Yeah.","start":312.37003,"end":312.69,"sentiment":"neutral","sentiment_score":0.06635227799415588}],"sentiment":"neutral","sentiment_score":0.04101308736090477,"num_words":52,"start":279.875,"end":312.69},{"sentences":[{"text":"Exactly.","start":312.69,"end":313.17,"sentiment":"neutral","sentiment_score":0.08594445884227753},{"text":"Right.","start":313.17,"end":313.57,"sentiment":"neutral","sentiment_score":0.09533019363880156},{"text":"So I'll do a bit of a quote.","start":313.57,"end":316.55002,"sentiment":"neutral","sentiment_score":0.10397579381242394},{"text":"I'll do my usual comparison to see if there's anyone out there that's offering anything better because sometimes they do every few years, And then I'll come back to you with just what that pricing looks like.","start":316.61002,"end":326.865,"sentiment":"neutral","sentiment_score":0.06536439463898942},{"text":"Perfect.","start":329.805,"end":330.305,"sentiment":"positive","sentiment_score":0.617838978767395}],"sentiment":"neutral","sentiment_score":0.08436255382063489,"num_words":48,"start":312.69,"end":330.305},{"sentences":[{"text":"Last couple of details to check with you is you're obviously still doing the farming.","start":331.245,"end":335.425,"sentiment":"neutral","sentiment_score":0.06853729486465454},{"text":"We had your income at a 120.","start":335.565,"end":337.66498,"sentiment":"neutral","sentiment_score":0.04432559811643192},{"text":"Congratulations.","start":341.41998,"end":341.91998,"sentiment":"positive","sentiment_score":0.8001765608787537},{"text":"And does that give you, like, a regular, like, surplus cash flow that you can put aside, or is your budget kind of a bit up and down?","start":342.62,"end":351.36,"sentiment":"neutral","sentiment_score":0.2934438628809793},{"text":"Oh, amazing.","start":362.79498,"end":363.455,"sentiment":"neutral","sentiment_score":0.22363689541816711}],"sentiment":"neutral","sentiment_score":0.20381541739938394,"num_words":53,"start":331.245,"end":363.455},{"sentences":[{"text":"Okay.","start":364.79,"end":365.29,"sentiment":"positive","sentiment_score":0.4055885076522827},{"text":"That's fantastic.","start":365.91,"end":366.73,"sentiment":"positive","sentiment_score":0.6895887851715088},{"text":"So mortgage is down to 30.","start":366.79,"end":368.07,"sentiment":"neutral","sentiment_score":0.3195896049340566},{"text":"That's looking pretty good.","start":368.07,"end":369.45,"sentiment":"positive","sentiment_score":0.5591688305139542},{"text":"One of the okay.","start":369.77002,"end":372.79,"sentiment":"neutral","sentiment_score":0.0612402418628335}],"sentiment":"positive","sentiment_score":0.36376117630039945,"num_words":17,"start":364.79,"end":372.79},{"sentences":[{"text":"Just over 30.","start":372.79,"end":373.85,"sentiment":"neutral","sentiment_score":0.05100981270273527},{"text":"Contributions to super just to kind of cap things off as you lead into retirement closer to 60 or even after 60.","start":378.565,"end":386.185,"sentiment":"neutral","sentiment_score":0.025610911829227753},{"text":"Do you want me to look at any salary sacrifice this financial year, or do you want me to hold off the twelve months at least?","start":386.805,"end":393.13,"sentiment":"neutral","sentiment_score":-0.0678837108783997},{"text":"Perfect.","start":406.325,"end":406.80502,"sentiment":"positive","sentiment_score":0.4469022154808045},{"text":"So mortgage paid off first.","start":406.80502,"end":408.80502,"sentiment":"neutral","sentiment_score":0.19703542590141296}],"sentiment":"neutral","sentiment_score":0.0067293396579069,"num_words":57,"start":372.79,"end":408.80502},{"sentences":[{"text":"We can look at that 15% tax on salary sacrifice next year.","start":408.80502,"end":413.445,"sentiment":"neutral","sentiment_score":0.17452990325788656},{"text":"And then when you hit 60, we can do the old TTR strategies where we can pull a bit out of your super and put it back in again for a deduction, and that'll help boost things up as well between sixty and sixty five.","start":413.445,"end":424.8,"sentiment":"neutral","sentiment_score":0.2096485475699107},{"text":"Sensational.","start":427.58002,"end":428.08002,"sentiment":"neutral","sentiment_score":0.02334475703537464},{"text":"We've got just in terms of family, mate, we we had you listed as the facto a while ago.","start":429.615,"end":435.075,"sentiment":"neutral","sentiment_score":0.006412421075143165},{"text":"Is that still correct?","start":436.255,"end":437.315,"sentiment":"neutral","sentiment_score":-0.012920727021992207}],"sentiment":"neutral","sentiment_score":0.14348199171747833,"num_words":81,"start":408.80502,"end":437.315},{"sentences":[{"text":"Relationship status, we had you down as the facto originally, and I'm just wondering if that's a bit out of date.","start":440.495,"end":446.09003,"sentiment":"neutral","sentiment_score":-0.11899809432881218},{"text":"Cool.","start":448.47,"end":448.71002,"sentiment":"neutral","sentiment_score":0.09880460798740388},{"text":"And do you have any dependents under 18?","start":448.71002,"end":451.13,"sentiment":"neutral","sentiment_score":0.018456686986610293},{"text":"Sensational.","start":453.43002,"end":453.93002,"sentiment":"neutral","sentiment_score":-0.09045972675085068},{"text":"Last couple of questions.","start":454.71002,"end":455.59003,"sentiment":"neutral","sentiment_score":-0.04188388492912054}],"sentiment":"neutral","sentiment_score":-0.07172848981406008,"num_words":35,"start":440.495,"end":455.59003},{"sentences":[{"text":"So assets wise, we had car, boat, farm equipment, and trucks for about a $180, a few grand worth of shares in seven group, and a 115 in the recall.","start":455.59003,"end":465.96503,"sentiment":"neutral","sentiment_score":0.1260850744942824},{"text":"That all sound pretty close to the mark?","start":470.79,"end":472.65,"sentiment":"positive","sentiment_score":0.34640346094965935},{"text":"Perfect.","start":475.03,"end":475.53,"sentiment":"positive","sentiment_score":0.669788122177124},{"text":"And you never gone through, like, a a bankruptcy or a part nine debt agreement before, have you?","start":475.99,"end":480.885,"sentiment":"neutral","sentiment_score":0.16665469606717428},{"text":"So and last question.","start":483.045,"end":484.64502,"sentiment":"neutral","sentiment_score":0.013959306292235851}],"sentiment":"neutral","sentiment_score":0.16851130818001558,"num_words":61,"start":455.59003,"end":484.64502},{"sentences":[{"text":"In terms of the estate planning, I believe the beneficiaries are all up to date, which is good.","start":484.64502,"end":489.625,"sentiment":"neutral","sentiment_score":0.22090275502867168},{"text":"Just double checking if you ended up putting in place, like, a will and a power of attorney.","start":489.685,"end":493.465,"sentiment":"neutral","sentiment_score":0.08502233607901467},{"text":"I'll put you in there for the next plan on that one.","start":497.29,"end":500.99002,"sentiment":"neutral","sentiment_score":0.0012941985623911034},{"text":"Just for your own info, like, you can always get it from the post office that a government approved for $25 a pop.","start":501.37003,"end":507.63,"sentiment":"neutral","sentiment_score":0.04559333249926567},{"text":"Lawyers courthouse, there's a few different options there if that's important for you.","start":508.09,"end":515.075,"sentiment":"neutral","sentiment_score":0.05575249730967558}],"sentiment":"neutral","sentiment_score":0.0868525135142374,"num_words":84,"start":484.64502,"end":515.075},{"sentences":[{"text":"Cool.","start":515.075,"end":515.575,"sentiment":"neutral","sentiment_score":0.2897821068763733},{"text":"Now on the super side of things, so do you usually log in and check it every now and then?","start":515.875,"end":520.375,"sentiment":"neutral","sentiment_score":0.07192661706358194},{"text":"Okay.","start":523.57,"end":523.89,"sentiment":"neutral","sentiment_score":-0.015814993530511856},{"text":"So let me just give you an idea with what's been going on.","start":523.89,"end":526.13,"sentiment":"neutral","sentiment_score":0.05059951801712696},{"text":"You let me know if you're still comfortable with all this.","start":526.13,"end":528.95,"sentiment":"neutral","sentiment_score":0.07190677320415323}],"sentiment":"neutral","sentiment_score":0.06872321074099644,"num_words":46,"start":515.075,"end":528.95},{"sentences":[{"text":"So on the news, well, kind of exploded around Christmas time in March.","start":529.17,"end":534.21,"sentiment":"neutral","sentiment_score":-0.08847570046782494},{"text":"Stock market went tumbling down.","start":534.21,"end":536.07,"sentiment":"negative","sentiment_score":-0.380588960647583},{"text":"It's had a bit of a bounce back then.","start":536.175,"end":538.27496,"sentiment":"neutral","sentiment_score":-0.2648927519718806},{"text":"So what's basically happened to the super is I'm just having a look at the individual investment options here.","start":538.575,"end":545.075,"sentiment":"neutral","sentiment_score":-0.11399647475857484},{"text":"So you kind of tumbled down about minus 8% in return around April.","start":546.33496,"end":553.26,"sentiment":"neutral","sentiment_score":-0.2706598857274422}],"sentiment":"neutral","sentiment_score":-0.1885029696938345,"num_words":59,"start":529.17,"end":553.26},{"sentences":[{"text":"Now at that point, what we did, because that was down to one investment, all the other investments that you've got were up double digits.","start":554.68,"end":562.3,"sentiment":"neutral","sentiment_score":-0.02556639216840267},{"text":"We had one there in the Australian shares that were going down quite fast, And we made a decision across all clients at an investment committee level to basically divest everybody out of that one option and switch it to an option that had some lower fees and better performance on it.","start":562.92,"end":580.89,"sentiment":"neutral","sentiment_score":-0.03363156608807353},{"text":"And since then, it's picked it over back up to back up to neutral from the negative 8% that you've had it jump back up another $12.","start":581.21,"end":590.35004,"sentiment":"neutral","sentiment_score":0.1296829319110623},{"text":"Yeah.","start":592.01,"end":592.49,"sentiment":"neutral","sentiment_score":0.2949594557285309},{"text":"So I just wanna let you know when I look at all the options that you've got, that was the one that I was worried about, and that's kind of been resolved already ahead of time.","start":592.49,"end":601.735,"sentiment":"neutral","sentiment_score":0.1621646758996778}],"sentiment":"neutral","sentiment_score":0.051392380914366834,"num_words":141,"start":554.68,"end":601.735},{"sentences":[{"text":"All the other options, the gold, the international shares, everything's looking pretty good there.","start":602.355,"end":606.695,"sentiment":"positive","sentiment_score":0.4437061718532017},{"text":"Yeah.","start":608.21,"end":608.71,"sentiment":"neutral","sentiment_score":0.24270541965961456},{"text":"The main thing for you at the moment, because you're sitting at about 405,000 now, on top of all your contributions all up, but you're in that kind of high growth portfolio.","start":608.93,"end":623.40497,"sentiment":"neutral","sentiment_score":0.22892041970044374},{"text":"Does that ring a bell?","start":623.40497,"end":624.545,"sentiment":"neutral","sentiment_score":0.22678678035736083},{"text":"Yep.","start":626.045,"end":626.545,"sentiment":"neutral","sentiment_score":0.21423205733299255}],"sentiment":"neutral","sentiment_score":0.28543794745544215,"num_words":53,"start":602.355,"end":626.545},{"sentences":[{"text":"So when it comes to the high growth, because pretty much all your super is in growth assets, you know, high risk, high return, shares, property, gold, trying to get those last few returns.","start":626.925,"end":638.19,"sentiment":"neutral","sentiment_score":0.21837654665989034},{"text":"Normally, I recommend you keep that for at least ten years because if the stock market crashes, you need enough time for it to bounce back and get the returns that you're aiming for for the retirement goal.","start":638.73,"end":650.41,"sentiment":"neutral","sentiment_score":0.11229525192787773},{"text":"Does that make sense?","start":650.41,"end":651.47,"sentiment":"neutral","sentiment_score":0.16369906440377235},{"text":"Yep.","start":652.855,"end":653.355,"sentiment":"neutral","sentiment_score":0.134217768907547},{"text":"So what I wanted to ask you is just in terms of when you're thinking of hanging up the boots, whether that was '60 or '65 or '67, just to gauge time frame with you.","start":653.575,"end":663.835,"sentiment":"neutral","sentiment_score":0.020475951548931854}],"sentiment":"neutral","sentiment_score":0.11783655795027569,"num_words":112,"start":626.925,"end":663.835},{"sentences":[{"text":"Yep.","start":667.95,"end":668.45,"sentiment":"neutral","sentiment_score":0.09889404475688934},{"text":"So the main thing at the moment is if we stay high growth, because you are at 400,000 now, when you get that 10% return up and down, the the super is gonna be jumping up and down about 40 to $50,000 at a time.","start":669.07,"end":682.835,"sentiment":"neutral","sentiment_score":0.12562382651699913},{"text":"So this time next year, it could be $3.50 or it could be $4.60, even 500,000.","start":683.135,"end":688.835,"sentiment":"neutral","sentiment_score":0.11820873618125916},{"text":"Generally speaking, the idea is you can go to the high growth to get those returns to get up to the $5.06, $7,800,000.","start":689.85504,"end":697.52997,"sentiment":"neutral","sentiment_score":0.30109806087884033},{"text":"But as you get closer to retirement, I've got to reduce the risk level down because I don't want to get high growth at 64, and you lose half of it a day before you retire.","start":698.07,"end":706.985,"sentiment":"neutral","sentiment_score":-0.17910613988836607}],"sentiment":"neutral","sentiment_score":0.06516368600229422,"num_words":121,"start":667.95,"end":706.985},{"sentences":[{"text":"Does that make sense to you?","start":709.28503,"end":710.905,"sentiment":"neutral","sentiment_score":0.22109800080458322},{"text":"So I just wanted to double check with you.","start":712.885,"end":714.565,"sentiment":"neutral","sentiment_score":0.1903364724583096},{"text":"Are you still comfortable with that idea of, like, let's just grow it as much as we can, and then in a couple of years time, we'll start to kind of slowly reduce the risk level down?","start":714.565,"end":723.51,"sentiment":"neutral","sentiment_score":0.20416652874366656},{"text":"So the way that kind of plays out for most people is between the kind of early fifties, the sixties, and then we start reducing you down from a 100% growth asset to ninety, eighty, seventy, sixty, fifty, forty gradually over that last seven years.","start":727.89,"end":749.47003,"sentiment":"neutral","sentiment_score":0.0766235566801495},{"text":"And then basically when you hit retirement age, you've got a nice conservative portfolio that you can live off, earn your four to 5%, and kind of live off of that.","start":749.47003,"end":758.05005,"sentiment":"neutral","sentiment_score":0.2012917572452176}],"sentiment":"neutral","sentiment_score":0.15845220582559705,"num_words":128,"start":709.28503,"end":758.05005},{"sentences":[{"text":"Yeah.","start":759.88495,"end":760.38495,"sentiment":"neutral","sentiment_score":0.12212122976779938},{"text":"K?","start":760.76495,"end":761.26495,"sentiment":"neutral","sentiment_score":0.09169293195009232},{"text":"So I'm gonna put in the original figures for your retirement goal at the moment, keep it the high growth.","start":761.96497,"end":767.26495,"sentiment":"neutral","sentiment_score":0.129189620167017},{"text":"Realistically, I think the main thing at the moment is just get the insurance premium down, revisit some contributions after the mortgage is paid off, and then reduce the risk after that.","start":768.20496,"end":779.03,"sentiment":"neutral","sentiment_score":0.11431380070280284},{"text":"Yep.","start":780.53,"end":781.03,"sentiment":"neutral","sentiment_score":0.2044847309589386}],"sentiment":"neutral","sentiment_score":0.12109332579103384,"num_words":55,"start":759.88495,"end":781.03},{"sentences":[{"text":"Cool.","start":781.41003,"end":781.91003,"sentiment":"positive","sentiment_score":0.44327855110168457},{"text":"Are you happy with that so far?","start":782.05,"end":783.91003,"sentiment":"positive","sentiment_score":0.46306869813374113},{"text":"Do you have any questions for me?","start":783.97003,"end":785.65,"sentiment":"neutral","sentiment_score":0.16171225905418396},{"text":"Yep.","start":785.65,"end":786.135,"sentiment":"neutral","sentiment_score":0.05213898420333862},{"text":"Cool.","start":789.175,"end":789.675,"sentiment":"neutral","sentiment_score":0.2755733132362366}],"sentiment":"neutral","sentiment_score":0.30261514993274913,"num_words":17,"start":781.41003,"end":789.675},{"sentences":[{"text":"Just for your own information as well, so in the pack that I've sent you on the emails there, so you get the usual reports for the insurance, the super financial services guide with our license info, updated privacy policy, and so on.","start":790.055,"end":805.11,"sentiment":"neutral","sentiment_score":0.20530815041342446},{"text":"I've included the updated service agreement in there because it has expired.","start":805.41003,"end":809.19,"sentiment":"neutral","sentiment_score":0.1223507026831309},{"text":"Just for your own info as well, we normally charge the 1.65% on the fee spread throughout the year.","start":810.05,"end":818.455,"sentiment":"neutral","sentiment_score":0.1326572373509407},{"text":"When you get to 600,000, we do cap our fees.","start":818.67505,"end":821.97504,"sentiment":"neutral","sentiment_score":0.06378115136176347},{"text":"But next year, we're gonna bring in a tiered fee structure.","start":822.35504,"end":826.455,"sentiment":"neutral","sentiment_score":0.05809668553146449}],"sentiment":"neutral","sentiment_score":0.14835601541164675,"num_words":95,"start":790.055,"end":826.455},{"sentences":[{"text":"So, basically, anyone above $200, they're gonna start to get some percentage discount every couple of $100 after that on your next review.","start":826.81,"end":836.11005,"sentiment":"neutral","sentiment_score":0.10186060712389323},{"text":"K?","start":838.41003,"end":838.65,"sentiment":"neutral","sentiment_score":0.0839863270521164},{"text":"So the one at the moment is still the same as last year, but when we're talking this time next year, there'll be some discounts applied.","start":838.65,"end":844.995,"sentiment":"neutral","sentiment_score":0.13033505787069982},{"text":"So just have a read through that pack when you get a chance, and just let us know if you've got any questions.","start":845.29504,"end":849.955,"sentiment":"neutral","sentiment_score":0.1929304891306421},{"text":"Cool.","start":852.575,"end":853.075,"sentiment":"positive","sentiment_score":0.4898470640182495}],"sentiment":"neutral","sentiment_score":0.14517216364274155,"num_words":74,"start":826.81,"end":853.075},{"sentences":[{"text":"From here, mate, I'm pretty much just going to go and then the team will basically give you a buzz in a couple of weeks to run through the figures with me.","start":853.135,"end":862.26,"sentiment":"positive","sentiment_score":0.35368815157562494},{"text":"Does that sound okay?","start":862.26,"end":863.32,"sentiment":"neutral","sentiment_score":0.24020662903785706},{"text":"Yeah.","start":871.97504,"end":872.29504,"sentiment":"neutral","sentiment_score":0.09743692725896835},{"text":"So I've refreshed that through.","start":872.29504,"end":874.075,"sentiment":"neutral","sentiment_score":0.11260295510292054},{"text":"Basically, at the bottom of the email is all the the attachments there for all your reports for the super and the insurance.","start":874.29504,"end":880.395,"sentiment":"neutral","sentiment_score":0.11640846891247708}],"sentiment":"neutral","sentiment_score":0.24025682852818417,"num_words":65,"start":853.135,"end":880.395},{"sentences":[{"text":"There is, like, a purple sign here button for the agreement so we can still be advisers on your account.","start":880.7,"end":886.4,"sentiment":"neutral","sentiment_score":0.12887823209166527},{"text":"And, basically, if you click through the buttons, it'll stamp signatures, dates, and names on there.","start":886.86,"end":892.995,"sentiment":"neutral","sentiment_score":0.08964567771181464},{"text":"If you wanna draw it, just click on the signature and draw it with your finger there or on the computer with a mouse.","start":893.075,"end":898.535,"sentiment":"neutral","sentiment_score":0.08292537198091547},{"text":"Yep.","start":900.435,"end":900.935,"sentiment":"neutral","sentiment_score":0.21745681762695312},{"text":"Awesome.","start":902.035,"end":902.535,"sentiment":"positive","sentiment_score":0.4727141857147217}],"sentiment":"neutral","sentiment_score":0.10793992606622557,"num_words":62,"start":880.7,"end":902.535},{"sentences":[{"text":"Is there anything else I can sort out for you before I let you go, Sean?","start":902.915,"end":906.295,"sentiment":"neutral","sentiment_score":0.17442810349166393},{"text":"Yep.","start":911.82,"end":912.22,"sentiment":"neutral","sentiment_score":0.20883744955062863},{"text":"Get the fees down, grow the super, sort out the mortgage, reduce the risk, and then live happily ever after.","start":912.22,"end":919.27997,"sentiment":"positive","sentiment_score":0.3417415328323841},{"text":"Awesome.","start":922.425,"end":922.825,"sentiment":"positive","sentiment_score":0.6487424373626709},{"text":"Awesome.","start":922.825,"end":923.305,"sentiment":"positive","sentiment_score":0.619420051574707}],"sentiment":"neutral","sentiment_score":0.28468410900005925,"num_words":39,"start":902.915,"end":923.305},{"sentences":[{"text":"Well, I appreciate you taking the time while you're on the tractor with me, mate.","start":923.305,"end":926.445,"sentiment":"positive","sentiment_score":0.5644610752662023},{"text":"If anything pops up, please give us a buzz.","start":926.745,"end":928.825,"sentiment":"neutral","sentiment_score":0.06734707123703426},{"text":"But, again, we're gonna reach out to you in a couple of weeks just to run through those figures together.","start":928.825,"end":932.84503,"sentiment":"neutral","sentiment_score":0.13343324549496174},{"text":"Awesome, mate.","start":935.6088,"end":936.1689,"sentiment":"positive","sentiment_score":0.8603814244270325},{"text":"Have a fantastic day, and I'll talk to you again soon.","start":936.1689,"end":938.42883,"sentiment":"positive","sentiment_score":0.7630599032748829}],"sentiment":"positive","sentiment_score":0.38344081517374307,"num_words":57,"start":923.305,"end":938.42883},{"sentences":[{"text":"Thank you.","start":940.56885,"end":941.0488,"sentiment":"positive","sentiment_score":0.7199075520038605},{"text":"Bye.","start":941.0488,"end":941.5488,"sentiment":"neutral","sentiment_score":-0.12366963177919388}],"sentiment":"positive","sentiment_score":0.438715157409509,"num_words":3,"start":940.56885,"end":941.5488}]}}]},{"alternatives":[{"transcript":"Hello? Good morning. Yeah. Eighteen fifty eight nineteen seventy two and '20 three 23 Hayes Court Digi Gunna. No. No. Really. It's just up there trying to catch me for a while, but just saying I'm working. Yeah. That's it. Especially, like, May, June sort of just seeing, like, driving a tractor at the moment on all those shifts. That's alright. It's all good. Yep. Yeah. Yep. Yep. Yeah. That seems to have gone up again. That's the only thing that comes through in since it jumped up a little bit again in the premium. Yep. Yeah. Yeah. Yeah. Yeah. That depends, like, what's the options with the waiting period and how much of a difference does that actually make. No. That's right. It wouldn't wanna. Yeah. Yep. But it's handy to have, but, like, we dropped it I dropped it last year because of how expensive it was. I dropped the the amount down and a few other bits and pieces, and that made it pretty good. But when I saw it this year, I saw it jump back up. So, yeah, that'd be handy if we can get it close. Yep. Yep. Sounds good. That went up to 100 and pay just recently. So I just I've sort of turned some extra off the mortgage bill. It's down about $30, so I've been hammering that for the last few years to try and get it right down. I wanna get it down to about 10 or something. Yeah. I think just over there. I'd say hold up for twelve months because the way I'm going, I feel like I should be nearly down to that ten, depending on a few issues or pretty close to where I wanted to be by this time next year, I reckon. I'll be a lot closer. Oh, yeah. Sorry. What was that? No. It's still fine. No. Yep. No. No. No. This is such. Yep. No. Not really. Yeah. Yep. Yeah. Yep. Yep. The l eight sixty four, I think, at this time. Yep. Yeah. That's why I think we're out of this moment still. Yep. Yep. No. No. That's sort of the plan. Alright. Yep. Yep. Yeah. And I've got a summons and paperwork because I'm about to review too. They when I book the appointment and stuff, I'm supposed to sign. Is that correct? Yep. Yep. Yep. No worries. No. I think that's where we're at. So I was just taking a loan. Yep. Yeah. Yep. Pretty much. Yep. No worries. Alright. Thank 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dropped the the amount down and a few other bits and pieces, and that made it pretty good.","start":301.925,"end":307.35,"sentiment":"neutral","sentiment_score":0.11645381956508286},{"text":"But when I saw it this year, I saw it jump back up.","start":307.35,"end":310.49,"sentiment":"neutral","sentiment_score":0.013967696004188977},{"text":"So, yeah, that'd be handy if we can get it close.","start":312.22998,"end":314.57,"sentiment":"neutral","sentiment_score":0.07910841297019612}],"sentiment":"neutral","sentiment_score":0.05460196346617662,"num_words":65,"start":296.165,"end":314.57},{"sentences":[{"text":"Yep.","start":327.435,"end":327.935,"sentiment":"neutral","sentiment_score":0.11924457550048828},{"text":"Yep.","start":328.155,"end":328.655,"sentiment":"neutral","sentiment_score":0.22405657172203064},{"text":"Sounds good.","start":329.915,"end":330.73502,"sentiment":"positive","sentiment_score":0.5485071837902069},{"text":"That went up to 100 and pay just recently.","start":338.22,"end":340.4,"sentiment":"positive","sentiment_score":0.5324301520983378},{"text":"So I just I've sort of turned some extra off the mortgage bill.","start":352.81497,"end":356.25497,"sentiment":"neutral","sentiment_score":-0.0037319307716993187}],"sentiment":"neutral","sentiment_score":0.23783353014061084,"num_words":26,"start":327.435,"end":356.25497},{"sentences":[{"text":"It's down about $30, so I've been hammering that for the last few years to try and get it right down.","start":356.25497,"end":361.935,"sentiment":"neutral","sentiment_score":-0.0537673622547161},{"text":"I wanna get it down to about 10 or something.","start":361.935,"end":364.115,"sentiment":"neutral","sentiment_score":0.09484020601958036},{"text":"Yeah.","start":369.7,"end":369.94,"sentiment":"neutral","sentiment_score":0.14191359281539917},{"text":"I think just over there.","start":369.94,"end":371.56,"sentiment":"neutral","sentiment_score":0.05985483005642891},{"text":"I'd say hold up for twelve months because the way I'm going, I feel like I should be nearly down to that ten, depending on a few issues or pretty close to where I wanted to be by this time next year, I reckon.","start":393.71002,"end":404.505,"sentiment":"neutral","sentiment_score":-0.13132369789210233}],"sentiment":"neutral","sentiment_score":-0.06812058655936042,"num_words":81,"start":356.25497,"end":404.505},{"sentences":[{"text":"I'll be a lot closer.","start":404.505,"end":405.64502,"sentiment":"neutral","sentiment_score":-0.03256042301654816},{"text":"Oh, yeah.","start":425.36,"end":426.02,"sentiment":"neutral","sentiment_score":0.053108660504221916},{"text":"Sorry.","start":438.17502,"end":438.495,"sentiment":"neutral","sentiment_score":-0.07728828489780426},{"text":"What was that?","start":438.495,"end":439.23502,"sentiment":"neutral","sentiment_score":-0.0670070971051852},{"text":"No.","start":446.415,"end":446.655,"sentiment":"neutral","sentiment_score":-0.058083340525627136}],"sentiment":"neutral","sentiment_score":-0.03274814256777366,"num_words":12,"start":404.505,"end":446.655},{"sentences":[{"text":"It's still fine.","start":446.655,"end":447.6,"sentiment":"neutral","sentiment_score":0.022754317770401638},{"text":"No.","start":451.76,"end":452.26,"sentiment":"neutral","sentiment_score":-0.07843025028705597},{"text":"Yep.","start":473.01498,"end":473.51498,"sentiment":"positive","sentiment_score":0.3669075667858124},{"text":"No.","start":481.44,"end":481.94,"sentiment":"neutral","sentiment_score":-0.01458071917295456},{"text":"No.","start":494.375,"end":494.615,"sentiment":"neutral","sentiment_score":-0.09004098922014236}],"sentiment":"neutral","sentiment_score":0.03601693734526634,"num_words":7,"start":446.655,"end":494.615},{"sentences":[{"text":"No.","start":494.615,"end":494.935,"sentiment":"neutral","sentiment_score":-0.10246942192316057},{"text":"This is such.","start":494.935,"end":495.925,"sentiment":"neutral","sentiment_score":-0.05619552731513977},{"text":"Yep.","start":513.24,"end":513.74,"sentiment":"neutral","sentiment_score":0.11252155154943466},{"text":"No.","start":521.46497,"end":521.785,"sentiment":"neutral","sentiment_score":-0.12685275077819824},{"text":"Not really.","start":521.785,"end":522.52496,"sentiment":"neutral","sentiment_score":-0.1036454439163208}],"sentiment":"neutral","sentiment_score":-0.06158476136624813,"num_words":8,"start":494.615,"end":522.52496},{"sentences":[{"text":"Yeah.","start":555.305,"end":555.805,"sentiment":"neutral","sentiment_score":-0.044416990131139755},{"text":"Yep.","start":591.32495,"end":591.82495,"sentiment":"neutral","sentiment_score":0.2811509966850281},{"text":"Yeah.","start":607.425,"end":607.925,"sentiment":"neutral","sentiment_score":0.22820520401000977},{"text":"Yep.","start":625.31,"end":625.81,"sentiment":"neutral","sentiment_score":0.18850700557231903},{"text":"Yep.","start":651.94995,"end":652.44995,"sentiment":"neutral","sentiment_score":0.14387601613998413}],"sentiment":"neutral","sentiment_score":0.15946444645524024,"num_words":5,"start":555.305,"end":652.44995},{"sentences":[{"text":"The l eight sixty four, I think, at this time.","start":664.735,"end":666.995,"sentiment":"neutral","sentiment_score":0.0094619357958436},{"text":"Yep.","start":707.96,"end":708.46,"sentiment":"neutral","sentiment_score":0.1834729015827179},{"text":"Yeah.","start":724.305,"end":724.625,"sentiment":"neutral","sentiment_score":-0.02522953599691391},{"text":"That's why I think we're out of this moment still.","start":724.625,"end":726.885,"sentiment":"neutral","sentiment_score":-0.13199471384286882},{"text":"Yep.","start":759.015,"end":759.515,"sentiment":"neutral","sentiment_score":0.18127739429473877}],"sentiment":"neutral","sentiment_score":-0.03851334872129171,"num_words":23,"start":664.735,"end":759.515},{"sentences":[{"text":"Yep.","start":779.725,"end":780.225,"sentiment":"neutral","sentiment_score":0.15339550375938416},{"text":"No.","start":785.96497,"end":786.205,"sentiment":"neutral","sentiment_score":-0.037555206567049026},{"text":"No.","start":786.205,"end":786.365,"sentiment":"neutral","sentiment_score":-0.05190630257129669},{"text":"That's sort of the plan.","start":786.365,"end":788.14496,"sentiment":"neutral","sentiment_score":-0.05323386937379837},{"text":"Alright.","start":835.53503,"end":836.03503,"sentiment":"neutral","sentiment_score":0.16869579255580902}],"sentiment":"neutral","sentiment_score":-0.0037266177435715995,"num_words":9,"start":779.725,"end":836.03503},{"sentences":[{"text":"Yep.","start":836.975,"end":837.475,"sentiment":"neutral","sentiment_score":0.16238199174404144},{"text":"Yep.","start":850.83,"end":851.33,"sentiment":"neutral","sentiment_score":0.30669093132019043},{"text":"Yeah.","start":863.875,"end":864.195,"sentiment":"neutral","sentiment_score":0.11984320729970932},{"text":"And I've got a summons and paperwork because I'm about to review too.","start":864.195,"end":866.91504,"sentiment":"neutral","sentiment_score":0.10262479747717197},{"text":"They when I book the appointment and stuff, I'm supposed to sign.","start":866.91504,"end":870.275,"sentiment":"neutral","sentiment_score":0.07730577699840069}],"sentiment":"neutral","sentiment_score":0.10181099362671375,"num_words":28,"start":836.975,"end":870.275},{"sentences":[{"text":"Is that correct?","start":870.275,"end":871.015,"sentiment":"neutral","sentiment_score":0.09646716962258021},{"text":"Yep.","start":886.93005,"end":887.01,"sentiment":"neutral","sentiment_score":0.10076835751533508},{"text":"Yep.","start":887.01,"end":887.475,"sentiment":"neutral","sentiment_score":0.09657512605190276},{"text":"Yep.","start":899.39496,"end":899.89496,"sentiment":"neutral","sentiment_score":0.13225653767585754},{"text":"No worries.","start":902.48,"end":903.38,"sentiment":"neutral","sentiment_score":0.3080664277076721}],"sentiment":"neutral","sentiment_score":0.15439179819077253,"num_words":8,"start":870.275,"end":903.38},{"sentences":[{"text":"No.","start":907.76,"end":908.0,"sentiment":"neutral","sentiment_score":0.02409079298377037},{"text":"I think that's where we're at.","start":908.0,"end":909.36,"sentiment":"neutral","sentiment_score":0.02603375508139531},{"text":"So I was just taking a loan.","start":909.36,"end":910.74,"sentiment":"neutral","sentiment_score":0.0796086990407535},{"text":"Yep.","start":915.6,"end":916.1,"sentiment":"neutral","sentiment_score":0.2593950629234314},{"text":"Yeah.","start":917.12,"end":917.62,"sentiment":"neutral","sentiment_score":0.3161609470844269}],"sentiment":"neutral","sentiment_score":0.08206938917282969,"num_words":16,"start":907.76,"end":917.62},{"sentences":[{"text":"Yep.","start":920.055,"end":920.455,"sentiment":"neutral","sentiment_score":0.2669792175292969},{"text":"Pretty much.","start":920.455,"end":921.195,"sentiment":"positive","sentiment_score":0.5264360904693604},{"text":"Yep.","start":933.59,"end":933.91003,"sentiment":"neutral","sentiment_score":0.2322423756122589},{"text":"No worries.","start":933.91003,"end":934.65,"sentiment":"positive","sentiment_score":0.40791599452495575},{"text":"Alright.","start":938.79,"end":939.11,"sentiment":"positive","sentiment_score":0.4554589688777923}],"sentiment":"positive","sentiment_score":0.40334067600114004,"num_words":7,"start":920.055,"end":939.11},{"sentences":[{"text":"Thank you.","start":939.11,"end":939.77,"sentiment":"positive","sentiment_score":0.7670516073703766}],"sentiment":"positive","sentiment_score":0.7670516073703766,"num_words":2,"start":939.11,"end":939.77}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good day, Sean. Tommy here, senior adviser at Oakview, mate. How are you doing?\n\nChannel 1: Good morning.\n\nChannel 0: I'm just giving you a call to go through your annual review. Do you still have a bit of time for me?\n\nChannel 1: Yeah.\n\nChannel 0: The usual review pack email. But while I do that, are you able to confirm your date of birth and address for security for me?\n\nChannel 1: Eighteen fifty eight nineteen seventy two and\n\nChannel 0: Yep.\n\nChannel 1: '20\n\nChannel 0: Thank\n\nChannel 1: three\n\nChannel 0: you.\n\nChannel 1: 23 Hayes Court Digi Gunna.\n\nChannel 0: Sensational. And just for your own purposes, I'm registered with Aptive as adviser 1273105. Sean, is there anything in particular you're hoping to get out of this year's annual review?\n\nChannel 1: No. No. Really. It's just up there trying to catch me for a while, but just saying I'm working.\n\nChannel 0: Yeah, mate. I can imagine it's it's pretty hectic and especially farm life. That's for sure. I've got a few family members and in laws running farms in North Queensland there, and it can always be something to do and try to put out.\n\nChannel 1: Yeah. That's it. Especially, like, May, June sort of just seeing, like, driving a tractor at the moment on all those shifts. That's alright. It's all good.\n\nChannel 0: Awesome. Well, I appreciate you taking a few minutes for me today. So I'll pop this pack off to you, but I'm assuming while you're driving the track, you're probably not gonna jump on the email with me today. You might just have a look at it later.\n\nChannel 1: Yep.\n\nChannel 0: Awesome. So what I wanted to do today is I'll just give you a quick update with what's been going on with the super because we made a few changes to it recently. And\n\nChannel 1: Yeah.\n\nChannel 0: just sort of see if there's been any major changes in the circumstances because we've had a new system. And just wanna update your details. Is that okay?\n\nChannel 1: Yep.\n\nChannel 0: Cool. So I'm just gonna quickly run through what we've got. Main main focus in terms of goals for you last time was pretty much just pay off the mortgage and then maybe boost up the super after that sorted and basically retire debt free, home paid off, and a super alongside you. Does that sound right?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Yep. And the other thing was you had a bit of insurances disability income protection that we put through Neos.\n\nChannel 1: Yeah. That seems to have gone up again. That's the only thing that comes through in since it jumped up a little bit again in the premium.\n\nChannel 0: Yeah. Can I talk to you about that one first? Because that one concerned me a little bit. One of the things when it comes to set premiums is it goes up with your age, normal insurance price increases. And through the 50, this jumps up very, very, very quickly.\n\nI've just had a look at the recent premium that's gonna be coming out in August, and it's sitting close to $6,000 before the 15\n\nChannel 1: Yep.\n\nChannel 0: percent rebate. So you've got the life in TPD, couple of $100 there, which basically pays off the mortgage and gives you a top up. Those aren't too expensive. I'm having a look at both of those. They're about $600 a year for the life insurance, 1,700 for the TPD.\n\nBut it's the income protection that's the biggest hit at the moment. So\n\nChannel 1: Yeah.\n\nChannel 0: it's 4,000 a month worth of cover, sorry, $4.02 $5.02, which is about a thousand bucks a week, but it's $4 a year for the income protection for the two year benefit, sixty day waiting period.\n\nChannel 1: Yeah.\n\nChannel 0: So what I wanted to ask you is because that's kind of I need to make sure fees aren't really butchering you super too much because we can get as much growth as we can, but if the fees are too high, that's gonna be an issue. Do you still value, first of all, the life and disability insurance to pay off the mortgage in those lump sum?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. Yeah. And what are your thoughts with this income protection? Because I can't reduce the benefit period below two years to get it any cheaper. The only way you can make it less expensive is trim it down further, which is quite minimal, or you kick out the waiting period for you know, you have to wait longer than sixty days before you claim on.\n\nSo I want to cover in place. Is it important to you?\n\nChannel 1: That depends, like, what's the options with the waiting period and how much of a difference does that actually make.\n\nChannel 0: I can do some quotes for you. Going from the the eight weeks to the twelve weeks is usually to go where you can do thirty, sixty, or ninety days. You're at sixty now, ninety days is possible. The only thing longer than that is two years, and there's no point waiting two years for your income protection\n\nChannel 1: No.\n\nChannel 0: to kick in.\n\nChannel 1: That's right. It wouldn't wanna.\n\nChannel 0: So, yeah, do you want me to do a quote for ninety days and see what that looks like?\n\nChannel 1: Yeah. Yep. But it's handy to have, but, like, we dropped it I dropped it last year because of how expensive it was. I dropped the the amount down and a few other bits and pieces, and that\n\nChannel 0: Yep.\n\nChannel 1: made it pretty good. But when I saw it this year, I saw it jump back up. So,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, that'd\n\nChannel 0: Exactly.\n\nChannel 1: be handy\n\nChannel 0: Right.\n\nChannel 1: if\n\nChannel 0: So\n\nChannel 1: we can get it close.\n\nChannel 0: I'll do a bit of a quote. I'll do my usual comparison to see if there's anyone out there that's offering anything better because sometimes they do every few years, And then I'll come back to you with just what that pricing looks like.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Perfect.\n\nChannel 1: Sounds good.\n\nChannel 0: Last couple of details to check with you is you're obviously still doing the farming. We had your income at a 120.\n\nChannel 1: That went up to 100 and pay just recently.\n\nChannel 0: Congratulations. And does that give you, like, a regular, like, surplus cash flow that you can put aside, or is your budget kind of a bit up and down?\n\nChannel 1: So I just I've sort of turned some extra off the mortgage bill. It's down about $30, so I've been hammering that for the last few years to try and get it right down. I wanna get it down to\n\nChannel 0: Oh,\n\nChannel 1: about\n\nChannel 0: amazing.\n\nChannel 1: 10 or something.\n\nChannel 0: Okay. That's fantastic. So mortgage is down to 30. That's looking pretty good.\n\nChannel 1: Yeah.\n\nChannel 0: One\n\nChannel 1: I think just\n\nChannel 0: of\n\nChannel 1: over there.\n\nChannel 0: the okay. Just over 30. Contributions to super just to kind of cap things off as you lead into retirement closer to 60 or even after 60. Do you want me to look at any salary sacrifice this financial year, or do you want me to hold off the twelve months at least?\n\nChannel 1: I'd say hold up for twelve months because the way I'm going, I feel like I should be nearly down to that ten, depending on a few issues or pretty close to where I wanted to be by this time next year, I reckon. I'll be a lot closer.\n\nChannel 0: Perfect. So mortgage paid off first. We can look at that 15% tax on salary sacrifice next year. And then when you hit 60, we can do the old TTR strategies where we can pull a bit out of your super and put it back in again for a deduction, and that'll help boost things up as well between sixty and sixty five.\n\nChannel 1: Oh, yeah.\n\nChannel 0: Sensational. We've got just in terms of family, mate, we we had you listed as the facto a while ago. Is that still correct?\n\nChannel 1: Sorry. What was that?\n\nChannel 0: Relationship status, we had you down as the facto originally, and I'm just wondering if that's a bit out of date.\n\nChannel 1: No. It's still fine.\n\nChannel 0: Cool. And do you have any dependents under 18?\n\nChannel 1: No.\n\nChannel 0: Sensational. Last couple of questions. So assets wise, we had car, boat, farm equipment, and trucks for about a $180, a few grand worth of shares in seven group, and a 115 in the recall. That all sound pretty close to the mark?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And you never gone through, like, a a bankruptcy or a part nine debt agreement before, have you?\n\nChannel 1: No.\n\nChannel 0: So and last question. In terms of the estate planning, I believe the beneficiaries are all up to date, which is good. Just double checking if you ended up putting in place, like, a will and a power of attorney.\n\nChannel 1: No. No. This is such.\n\nChannel 0: I'll put you in there for the next plan on that one. Just for your own info, like, you can always get it from the post office that a government approved for $25 a pop. Lawyers courthouse, there's a few different options there if that's important for\n\nChannel 1: Yep.\n\nChannel 0: you. Cool. Now on the super side of things, so do you usually log in and check it every now and then?\n\nChannel 1: No. Not really.\n\nChannel 0: Okay. So let me just give you an idea with what's been going on. You let me know if you're still comfortable with all this. So on the news, well, kind of exploded around Christmas time in March. Stock market went tumbling down.\n\nIt's had a bit of a bounce back then. So what's basically happened to the super is I'm just having a look at the individual investment options here. So you kind of tumbled down about minus 8% in return around April. Now\n\nChannel 1: Yeah.\n\nChannel 0: at that point, what we did, because that was down to one investment, all the other investments that you've got were up double digits. We had one there in the Australian shares that were going down quite fast, And we made a decision across all clients at an investment committee level to basically divest everybody out of that one option and switch it to an option that had some lower fees and better performance on it. And since then, it's picked it over back up to back up to neutral from the negative 8% that you've had it jump back up another $12.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. So I just wanna let you know when I look at all the options that you've got, that was the one that I was worried about, and that's kind of been resolved already ahead of time. All the other options, the gold, the international shares, everything's looking pretty good there.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. The main thing for you at the moment, because you're sitting at about 405,000 now, on top of all your contributions all up, but you're in that kind of high growth portfolio. Does that ring a bell?\n\nChannel 1: Yep.\n\nChannel 0: Yep. So when it comes to the high growth, because pretty much all your super is in growth assets, you know, high risk, high return, shares, property, gold, trying to get those last few returns. Normally, I recommend you keep that for at least ten years because if the stock market crashes, you need enough time for it to bounce back and get the returns that you're aiming for for the retirement goal. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. So what I wanted to ask you is just in terms of when you're thinking of hanging up the boots, whether that was '60 or '65 or '67, just to gauge time frame with you.\n\nChannel 1: The l eight sixty four, I think, at this time.\n\nChannel 0: Yep. So the main thing at the moment is if we stay high growth, because you are at 400,000 now, when you get that 10% return up and down, the the super is gonna be jumping up and down about 40 to $50,000 at a time. So this time next year, it could be $3.50 or it could be $4.60, even 500,000. Generally speaking, the idea is you can go to the high growth to get those returns to get up to the $5.06, $7,800,000. But as you get closer to retirement, I've got to reduce the risk level down because I don't want to get high growth at 64, and you lose half of it a day before you retire.\n\nChannel 1: Yep.\n\nChannel 0: Does that make sense to you? So I just wanted to double check with you. Are you still comfortable with that idea of, like, let's just grow it as much as we can, and then in a couple of years time, we'll start to kind of slowly reduce the risk level down?\n\nChannel 1: Yeah. That's why I think we're out of this moment still.\n\nChannel 0: So the way that kind of plays out for most people is between the kind of early fifties, the sixties, and then we start reducing you down from a 100% growth asset to ninety, eighty, seventy, sixty, fifty, forty gradually over that last seven years. And then basically when you hit retirement age, you've got a nice conservative portfolio that you can live off, earn your four to 5%, and kind of live off of that.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. K? So I'm gonna put in the original figures for your retirement goal at the moment, keep it the high growth. Realistically, I think the main thing at the moment is just get the insurance premium down, revisit some contributions after the mortgage is paid off, and then reduce the risk after that.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Cool. Are you happy with that so far? Do you have any questions for me? Yep.\n\nChannel 1: No. No. That's sort of the plan.\n\nChannel 0: Cool. Just for your own information as well, so in the pack that I've sent you on the emails there, so you get the usual reports for the insurance, the super financial services guide with our license info, updated privacy policy, and so on. I've included the updated service agreement in there because it has expired. Just for your own info as well, we normally charge the 1.65% on the fee spread throughout the year. When you get to 600,000, we do cap our fees.\n\nBut next year, we're gonna bring in a tiered fee structure. So, basically, anyone above $200, they're gonna start to get some percentage discount every couple of $100 after that on your next\n\nChannel 1: Alright.\n\nChannel 0: review.\n\nChannel 1: Yep.\n\nChannel 0: K? So the one at the moment is still the same as last year, but when we're talking this time next year, there'll be some discounts applied. So just have a read through that pack when you get a chance, and just let us know if you've got any questions.\n\nChannel 1: Yep.\n\nChannel 0: Cool. From here, mate, I'm pretty much just going to go and then the team will basically give you a buzz in a couple of weeks to run through the figures with me. Does that sound okay?\n\nChannel 1: Yeah. And I've got a summons and paperwork because I'm about to review too. They when I book the appointment and stuff, I'm supposed to sign. Is that correct?\n\nChannel 0: Yeah. So I've refreshed that through. Basically, at the bottom of the email is all the the attachments there for all your reports for the super and the insurance. There is, like, a purple sign here button for the agreement so we can still be advisers on your account. And,\n\nChannel 1: Yep. Yep.\n\nChannel 0: basically, if you click through the buttons, it'll stamp signatures, dates, and names on there. If you wanna draw it, just click on the signature and draw it with your finger there or on the computer with a mouse.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Awesome.\n\nChannel 1: No worries.\n\nChannel 0: Is there anything else I can sort out for you before I let you go, Sean?\n\nChannel 1: No. I think that's where we're at. So I was just taking a loan.\n\nChannel 0: Yep. Get the fees down, grow the super, sort out the mortgage,\n\nChannel 1: Yep.\n\nChannel 0: reduce the risk,\n\nChannel 1: Yeah.\n\nChannel 0: and then live happily ever after.\n\nChannel 1: Yep. Pretty much.\n\nChannel 0: Awesome. Awesome. Well, I appreciate you taking the time while you're on the tractor with me, mate. If anything pops up, please give us a buzz. But, again, we're gonna reach out to you in a couple of weeks just to run through those figures together.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Awesome, mate. Have a fantastic day, and I'll talk to you again soon.\n\nChannel 1: Alright. Thank you.\n\nChannel 0: Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.0,"end":0.5,"sentiment":"neutral","sentiment_score":0.07590258121490479}],"sentiment":"neutral","sentiment_score":0.07590258121490479,"channel":1,"num_words":1,"start":0.0,"end":0.5},{"sentences":[{"text":"Good day, Sean.","start":2.96,"end":3.76,"sentiment":"positive","sentiment_score":0.3837735950946808},{"text":"Tommy here, senior adviser at Oakview, mate.","start":3.76,"end":5.8399997,"sentiment":"neutral","sentiment_score":0.2931879758834839},{"text":"How are you doing?","start":5.8399997,"end":6.66,"sentiment":"neutral","sentiment_score":0.3016386702656746}],"sentiment":"neutral","sentiment_score":0.31501366410936626,"channel":0,"num_words":14,"start":2.96,"end":6.66},{"sentences":[{"text":"Good morning.","start":7.2,"end":7.8599997,"sentiment":"neutral","sentiment_score":0.3079596608877182}],"sentiment":"neutral","sentiment_score":0.3079596608877182,"channel":1,"num_words":2,"start":7.2,"end":7.8599997},{"sentences":[{"text":"I'm just giving you a call to go through your annual review.","start":8.559999,"end":11.28,"sentiment":"neutral","sentiment_score":0.15795978034536043},{"text":"Do you still have a bit of time for me?","start":11.28,"end":12.855,"sentiment":"neutral","sentiment_score":0.06033948585391045}],"sentiment":"neutral","sentiment_score":0.11358691921288316,"channel":0,"num_words":22,"start":8.559999,"end":12.855},{"sentences":[{"text":"Yeah.","start":13.5199995,"end":14.0199995,"sentiment":"neutral","sentiment_score":0.04531044512987137}],"sentiment":"neutral","sentiment_score":0.04531044512987137,"channel":1,"num_words":1,"start":13.5199995,"end":14.0199995},{"sentences":[{"text":"The usual review pack email.","start":19.255,"end":21.195,"sentiment":"neutral","sentiment_score":0.04425201490521431},{"text":"But while I do that, are you able to confirm your date of birth and address for security for me?","start":21.654999,"end":26.73,"sentiment":"neutral","sentiment_score":0.06152732502669096}],"sentiment":"neutral","sentiment_score":0.05807226300239563,"channel":0,"num_words":25,"start":19.255,"end":26.73},{"sentences":[{"text":"Eighteen fifty eight nineteen seventy two and","start":28.765,"end":32.010002,"sentiment":"neutral","sentiment_score":0.02142406561012779}],"sentiment":"neutral","sentiment_score":0.02142406561012779,"channel":1,"num_words":7,"start":28.765,"end":32.010002},{"sentences":[{"text":"Yep.","start":32.01,"end":32.41,"sentiment":"neutral","sentiment_score":0.02489788830280304}],"sentiment":"neutral","sentiment_score":0.02489788830280304,"channel":0,"num_words":1,"start":32.01,"end":32.41},{"sentences":[{"text":"'20","start":32.010002,"end":32.49,"sentiment":"neutral","sentiment_score":0.03712689131498337}],"sentiment":"neutral","sentiment_score":0.03712689131498337,"channel":1,"num_words":1,"start":32.010002,"end":32.49},{"sentences":[{"text":"Thank","start":32.41,"end":32.65,"sentiment":"neutral","sentiment_score":0.2664547860622406}],"sentiment":"neutral","sentiment_score":0.2664547860622406,"channel":0,"num_words":1,"start":32.41,"end":32.65},{"sentences":[{"text":"three","start":32.49,"end":32.99,"sentiment":"neutral","sentiment_score":0.2770271301269531}],"sentiment":"neutral","sentiment_score":0.2770271301269531,"channel":1,"num_words":1,"start":32.49,"end":32.99},{"sentences":[{"text":"you.","start":32.65,"end":33.15,"sentiment":"neutral","sentiment_score":0.20536307990550995}],"sentiment":"neutral","sentiment_score":0.20536307990550995,"channel":0,"num_words":1,"start":32.65,"end":33.15},{"sentences":[{"text":"23 Hayes Court Digi Gunna.","start":33.45,"end":35.55,"sentiment":"neutral","sentiment_score":0.034856924414634706}],"sentiment":"neutral","sentiment_score":0.034856924414634706,"channel":1,"num_words":5,"start":33.45,"end":35.55},{"sentences":[{"text":"Sensational.","start":37.21,"end":37.71,"sentiment":"neutral","sentiment_score":0.039247505366802216},{"text":"And just for your own purposes, I'm registered with Aptive as adviser 1273105.","start":38.01,"end":44.415,"sentiment":"neutral","sentiment_score":0.05398805912297506},{"text":"Sean, is there anything in particular you're hoping to get out of this year's annual review?","start":45.195,"end":48.975,"sentiment":"neutral","sentiment_score":0.03359649429330602}],"sentiment":"neutral","sentiment_score":0.04262120608861248,"channel":0,"num_words":30,"start":37.21,"end":48.975},{"sentences":[{"text":"No.","start":50.475,"end":50.635002,"sentiment":"neutral","sentiment_score":-0.181569904088974},{"text":"No.","start":50.635002,"end":50.875,"sentiment":"neutral","sentiment_score":-0.22341510653495789},{"text":"Really.","start":50.875,"end":51.115,"sentiment":"neutral","sentiment_score":-0.2579745948314667},{"text":"It's just up there trying to catch me for a while, but just saying I'm working.","start":51.115,"end":54.815,"sentiment":"neutral","sentiment_score":-0.27885504998266697}],"sentiment":"neutral","sentiment_score":-0.2697179160620037,"channel":1,"num_words":19,"start":50.475,"end":54.815},{"sentences":[{"text":"Yeah, mate.","start":56.01,"end":56.489998,"sentiment":"neutral","sentiment_score":-0.15431389957666397},{"text":"I can imagine it's it's pretty hectic and especially farm life.","start":56.489998,"end":60.489998,"sentiment":"neutral","sentiment_score":-0.2466660182584416},{"text":"That's for sure.","start":60.489998,"end":61.13,"sentiment":"neutral","sentiment_score":-0.19011656939983368},{"text":"I've got a few family members and in laws running farms in North Queensland there, and it can always be something to do and try to put out.","start":61.13,"end":69.869995,"sentiment":"neutral","sentiment_score":-0.18874442311269896}],"sentiment":"neutral","sentiment_score":-0.2017533535307104,"channel":0,"num_words":44,"start":56.01,"end":69.869995},{"sentences":[{"text":"Yeah.","start":70.89,"end":71.21,"sentiment":"neutral","sentiment_score":-0.04299759119749069},{"text":"That's it.","start":71.21,"end":71.77,"sentiment":"neutral","sentiment_score":-0.07045780494809151},{"text":"Especially, like, May, June sort of just seeing, like, driving a tractor at the moment on all those shifts.","start":71.77,"end":77.865,"sentiment":"neutral","sentiment_score":-0.0688770887883086},{"text":"That's alright.","start":77.865,"end":78.604996,"sentiment":"neutral","sentiment_score":0.18964648246765137},{"text":"It's all good.","start":78.985,"end":79.805,"sentiment":"neutral","sentiment_score":0.32864925265312195}],"sentiment":"neutral","sentiment_score":-0.004716191302846979,"channel":1,"num_words":27,"start":70.89,"end":79.805},{"sentences":[{"text":"Awesome.","start":80.735,"end":81.055,"sentiment":"positive","sentiment_score":0.368208110332489},{"text":"Well, I appreciate you taking a few minutes for me today.","start":81.055,"end":83.475,"sentiment":"positive","sentiment_score":0.3365753550421108},{"text":"So I'll pop this pack off to you, but I'm assuming while you're driving the track, you're probably not gonna jump on the email with me today.","start":84.65,"end":90.83,"sentiment":"neutral","sentiment_score":0.030365162598038162},{"text":"You might just have a look at it later.","start":91.61,"end":93.39,"sentiment":"neutral","sentiment_score":0.036548318134413824}],"sentiment":"neutral","sentiment_score":0.10873606810734297,"channel":0,"num_words":48,"start":80.735,"end":93.39},{"sentences":[{"text":"Yep.","start":93.77,"end":94.27,"sentiment":"neutral","sentiment_score":0.16920886933803558}],"sentiment":"neutral","sentiment_score":0.16920886933803558,"channel":1,"num_words":1,"start":93.77,"end":94.27},{"sentences":[{"text":"Awesome.","start":95.29,"end":95.770004,"sentiment":"positive","sentiment_score":0.35371607542037964},{"text":"So what I wanted to do today is I'll just give you a quick update with what's been going on with the super because we made a few changes to it recently.","start":95.770004,"end":102.575005,"sentiment":"neutral","sentiment_score":0.21418775990605354},{"text":"And","start":103.035,"end":103.535,"sentiment":"neutral","sentiment_score":0.10091323405504228}],"sentiment":"neutral","sentiment_score":0.21495993019026868,"channel":0,"num_words":34,"start":95.29,"end":103.535},{"sentences":[{"text":"Yeah.","start":103.455,"end":103.955,"sentiment":"neutral","sentiment_score":0.06346757709980011}],"sentiment":"neutral","sentiment_score":0.06346757709980011,"channel":1,"num_words":1,"start":103.455,"end":103.955},{"sentences":[{"text":"just sort of see if there's been any major changes in the circumstances because we've had a new system.","start":103.675,"end":108.875,"sentiment":"neutral","sentiment_score":0.018087741330658134},{"text":"And just wanna update your details.","start":108.875,"end":110.475006,"sentiment":"neutral","sentiment_score":0.13451030229528746},{"text":"Is that okay?","start":110.475006,"end":111.295,"sentiment":"neutral","sentiment_score":0.1305799608429273}],"sentiment":"neutral","sentiment_score":0.05508817077082183,"channel":0,"num_words":28,"start":103.675,"end":111.295},{"sentences":[{"text":"Yep.","start":111.94,"end":112.44,"sentiment":"neutral","sentiment_score":0.038541100919246674}],"sentiment":"neutral","sentiment_score":0.038541100919246674,"channel":1,"num_words":1,"start":111.94,"end":112.44},{"sentences":[{"text":"Cool.","start":113.22,"end":113.54,"sentiment":"positive","sentiment_score":0.519292414188385},{"text":"So I'm just gonna quickly run through what we've got.","start":113.54,"end":116.04,"sentiment":"neutral","sentiment_score":0.2997706010937691},{"text":"Main main focus in terms of goals for you last time was pretty much just pay off the mortgage and then maybe boost up the super after that sorted and basically retire debt free, home paid off, and a super alongside you.","start":116.5,"end":129.345,"sentiment":"positive","sentiment_score":0.35591436532281695},{"text":"Does that sound right?","start":129.345,"end":130.405,"sentiment":"neutral","sentiment_score":0.16168825700879097}],"sentiment":"positive","sentiment_score":0.33530096134595705,"channel":0,"num_words":57,"start":113.22,"end":130.405},{"sentences":[{"text":"Yep.","start":130.965,"end":131.465,"sentiment":"neutral","sentiment_score":0.07434192299842834}],"sentiment":"neutral","sentiment_score":0.07434192299842834,"channel":1,"num_words":1,"start":130.965,"end":131.465},{"sentences":[{"text":"Yeah.","start":131.66501,"end":132.16501,"sentiment":"neutral","sentiment_score":0.08924107998609543},{"text":"Yep.","start":132.225,"end":132.465,"sentiment":"neutral","sentiment_score":0.07242031395435333},{"text":"And the other thing was you had a bit of insurances disability income protection that we put through Neos.","start":132.465,"end":141.845,"sentiment":"neutral","sentiment_score":0.016736244145584733}],"sentiment":"neutral","sentiment_score":0.022840477747931368,"channel":0,"num_words":21,"start":131.66501,"end":141.845},{"sentences":[{"text":"Yeah.","start":142.98999,"end":143.48999,"sentiment":"neutral","sentiment_score":0.008222861215472221},{"text":"That seems to have gone up again.","start":143.62999,"end":144.98999,"sentiment":"neutral","sentiment_score":-0.058776874627385824},{"text":"That's the only thing that comes through in since it jumped up a little bit again in the premium.","start":144.98999,"end":150.53,"sentiment":"neutral","sentiment_score":-0.09838402349697917}],"sentiment":"neutral","sentiment_score":-0.08416710028217898,"channel":1,"num_words":27,"start":142.98999,"end":150.53},{"sentences":[{"text":"Yeah.","start":151.67,"end":151.98999,"sentiment":"neutral","sentiment_score":0.012806747108697891},{"text":"Can I talk to you about that one first?","start":151.98999,"end":153.75,"sentiment":"neutral","sentiment_score":0.008371802253855599},{"text":"Because that one concerned me a little bit.","start":153.75,"end":155.835,"sentiment":"neutral","sentiment_score":-0.14824422635138035},{"text":"One of the things when it comes to set premiums is it goes up with your age, normal insurance price increases.","start":156.79501,"end":163.77501,"sentiment":"neutral","sentiment_score":-0.15349556115411578},{"text":"And through the 50, this jumps up very, very, very quickly.","start":164.315,"end":168.015,"sentiment":"neutral","sentiment_score":-0.09193390946496617}],"sentiment":"neutral","sentiment_score":-0.10664961263537406,"channel":0,"num_words":50,"start":151.67,"end":168.015},{"sentences":[{"text":"I've just had a look at the recent premium that's gonna be coming out in August, and it's sitting close to $6,000 before the 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those.","start":188.80501,"end":190.24501,"sentiment":"neutral","sentiment_score":0.028746249387040734},{"text":"They're about $600 a year for the life insurance, 1,700 for the TPD.","start":190.24501,"end":195.54501,"sentiment":"neutral","sentiment_score":-0.021220580101586305}],"sentiment":"neutral","sentiment_score":0.09328912975266576,"channel":0,"num_words":50,"start":177.42,"end":195.54501},{"sentences":[{"text":"But it's the income protection that's the biggest hit at the 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period.","start":201.72,"end":215.02501,"sentiment":"neutral","sentiment_score":-0.03246068116277456}],"sentiment":"neutral","sentiment_score":-0.03246068116277456,"channel":0,"num_words":36,"start":201.72,"end":215.02501},{"sentences":[{"text":"Yeah.","start":215.88501,"end":216.38501,"sentiment":"neutral","sentiment_score":-0.0823257565498352}],"sentiment":"neutral","sentiment_score":-0.0823257565498352,"channel":1,"num_words":1,"start":215.88501,"end":216.38501},{"sentences":[{"text":"So what I wanted to ask you is because that's kind of I need to make sure fees aren't really butchering you super too much because we can get as much growth as we can, but if the fees are too high, that's gonna be an issue.","start":217.16501,"end":227.51999,"sentiment":"negative","sentiment_score":-0.3626777461551605},{"text":"Do you still value, first of all, the life and disability insurance to pay off the mortgage in those lump 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below two years to get it any cheaper.","start":239.245,"end":244.625,"sentiment":"neutral","sentiment_score":-0.006612067731718223},{"text":"The only way you can make it less expensive is trim it down further, which is quite minimal, or you kick out the waiting period for you know, you have to wait longer than sixty days before you claim on.","start":245.165,"end":256.49,"sentiment":"neutral","sentiment_score":0.013780968263745308}],"sentiment":"neutral","sentiment_score":0.016221255783668974,"channel":0,"num_words":66,"start":235.57999,"end":256.49},{"sentences":[{"text":"So I want to cover in place.","start":256.49,"end":259.71,"sentiment":"neutral","sentiment_score":0.04878798819014004},{"text":"Is it important to you?","start":259.85,"end":261.31,"sentiment":"neutral","sentiment_score":0.051065243780612946}],"sentiment":"neutral","sentiment_score":0.04973684468617042,"channel":0,"num_words":12,"start":256.49,"end":261.31},{"sentences":[{"text":"That depends, like, what's the options with the waiting period and how much of a difference does that actually make.","start":263.59,"end":269.855,"sentiment":"neutral","sentiment_score":0.017894231900572776}],"sentiment":"neutral","sentiment_score":0.017894231900572776,"channel":1,"num_words":20,"start":263.59,"end":269.855},{"sentences":[{"text":"I can do some quotes for you.","start":270.67502,"end":272.535,"sentiment":"neutral","sentiment_score":0.10681566276720592},{"text":"Going from the the eight weeks to the twelve weeks is usually to go where you can do thirty, sixty, or ninety days.","start":272.755,"end":279.875,"sentiment":"neutral","sentiment_score":0.08704369774331218},{"text":"You're at sixty now, ninety days is possible.","start":279.875,"end":282.85,"sentiment":"neutral","sentiment_score":0.11135052144527435},{"text":"The only thing longer than that is two years, and there's no point waiting two years for your income 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wanna.","start":289.97998,"end":290.96,"sentiment":"neutral","sentiment_score":-0.05328451842069626}],"sentiment":"neutral","sentiment_score":-0.013441240042448043,"channel":1,"num_words":5,"start":289.58,"end":290.96},{"sentences":[{"text":"So, yeah, do you want me to do a quote for ninety days and see what that looks like?","start":290.51,"end":295.155,"sentiment":"neutral","sentiment_score":0.06225865902869325}],"sentiment":"neutral","sentiment_score":0.06225865902869325,"channel":0,"num_words":19,"start":290.51,"end":295.155},{"sentences":[{"text":"Yeah.","start":295.76498,"end":296.165,"sentiment":"neutral","sentiment_score":0.051440637558698654},{"text":"Yep.","start":296.165,"end":296.485,"sentiment":"neutral","sentiment_score":0.06886133551597595},{"text":"But it's handy to have, but, like, we dropped it I dropped it last year because of how expensive it was.","start":296.485,"end":301.925,"sentiment":"neutral","sentiment_score":0.010279577491538865},{"text":"I dropped the the amount down and a few other bits and pieces, and that","start":301.925,"end":306.38998,"sentiment":"neutral","sentiment_score":0.07494691337148349}],"sentiment":"neutral","sentiment_score":0.03843096844655903,"channel":1,"num_words":38,"start":295.76498,"end":306.38998},{"sentences":[{"text":"Yep.","start":306.035,"end":306.535,"sentiment":"neutral","sentiment_score":0.20840969681739807}],"sentiment":"neutral","sentiment_score":0.20840969681739807,"channel":0,"num_words":1,"start":306.035,"end":306.535},{"sentences":[{"text":"made it pretty good.","start":306.38998,"end":307.35,"sentiment":"neutral","sentiment_score":0.2721047177910805},{"text":"But when I saw it this year, I saw it jump back 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that'd","start":312.47,"end":312.87,"sentiment":"neutral","sentiment_score":0.07471279427409172}],"sentiment":"neutral","sentiment_score":0.07471279427409172,"channel":1,"num_words":2,"start":312.47,"end":312.87},{"sentences":[{"text":"Exactly.","start":312.69,"end":313.17,"sentiment":"neutral","sentiment_score":0.08594445884227753}],"sentiment":"neutral","sentiment_score":0.08594445884227753,"channel":0,"num_words":1,"start":312.69,"end":313.17},{"sentences":[{"text":"be 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close.","start":313.59,"end":314.57,"sentiment":"neutral","sentiment_score":0.09482269287109375}],"sentiment":"neutral","sentiment_score":0.09482269287109375,"channel":1,"num_words":5,"start":313.59,"end":314.57},{"sentences":[{"text":"I'll do a bit of a quote.","start":315.17,"end":316.55002,"sentiment":"neutral","sentiment_score":0.11214009885277067},{"text":"I'll do my usual comparison to see if there's anyone out there that's offering anything better because sometimes they do every few years, And then I'll come back to you with just what that pricing looks 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off as you lead into retirement closer to 60 or even after 60.","start":378.565,"end":386.185,"sentiment":"neutral","sentiment_score":0.025610911829227753},{"text":"Do you want me to look at any salary sacrifice this financial year, or do you want me to hold off the twelve months at least?","start":386.805,"end":393.13,"sentiment":"neutral","sentiment_score":-0.0678837108783997}],"sentiment":"neutral","sentiment_score":-0.016933025792241096,"channel":0,"num_words":53,"start":371.41,"end":393.13},{"sentences":[{"text":"I'd say hold up for twelve months because the way I'm going, I feel like I should be nearly down to that ten, depending on a few issues or pretty close to where I wanted to be by this time next year, I reckon.","start":393.71002,"end":404.505,"sentiment":"neutral","sentiment_score":-0.13132369789210233},{"text":"I'll be a lot 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correct?","start":436.255,"end":437.315,"sentiment":"neutral","sentiment_score":-0.012920727021992207}],"sentiment":"neutral","sentiment_score":0.0038957437239635815,"channel":0,"num_words":24,"start":427.58002,"end":437.315},{"sentences":[{"text":"Sorry.","start":438.17502,"end":438.495,"sentiment":"neutral","sentiment_score":-0.07728828489780426},{"text":"What was that?","start":438.495,"end":439.23502,"sentiment":"neutral","sentiment_score":-0.0670070971051852}],"sentiment":"neutral","sentiment_score":-0.06957739405333996,"channel":1,"num_words":4,"start":438.17502,"end":439.23502},{"sentences":[{"text":"Relationship status, we had you down as the facto originally, and I'm just wondering if that's a bit out of 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this.","start":526.13,"end":528.95,"sentiment":"neutral","sentiment_score":0.07190677320415323},{"text":"So on the news, well, kind of exploded around Christmas time in March.","start":529.17,"end":534.21,"sentiment":"neutral","sentiment_score":-0.08847570046782494},{"text":"Stock market went tumbling down.","start":534.21,"end":536.07,"sentiment":"negative","sentiment_score":-0.380588960647583}],"sentiment":"neutral","sentiment_score":-0.037678503799577094,"channel":0,"num_words":43,"start":523.57,"end":536.07},{"sentences":[{"text":"It's had a bit of a bounce back then.","start":536.175,"end":538.27496,"sentiment":"neutral","sentiment_score":-0.2648927519718806},{"text":"So what's basically happened to the super is I'm just having a look at the individual investment options here.","start":538.575,"end":545.075,"sentiment":"neutral","sentiment_score":-0.11399647475857484},{"text":"So you kind of tumbled down about minus 8% in return around 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out of that one option and switch it to an option that had some lower fees and better performance on it.","start":562.92,"end":580.89,"sentiment":"neutral","sentiment_score":-0.03363156608807353},{"text":"And since then, it's picked it over back up to back up to neutral from the negative 8% that you've had it jump back up another $12.","start":581.21,"end":590.35004,"sentiment":"neutral","sentiment_score":0.1296829319110623}],"sentiment":"neutral","sentiment_score":0.012378701307241198,"channel":0,"num_words":103,"start":555.4,"end":590.35004},{"sentences":[{"text":"Yep.","start":591.32495,"end":591.82495,"sentiment":"neutral","sentiment_score":0.2811509966850281}],"sentiment":"neutral","sentiment_score":0.2811509966850281,"channel":1,"num_words":1,"start":591.32495,"end":591.82495},{"sentences":[{"text":"Yeah.","start":592.01,"end":592.49,"sentiment":"neutral","sentiment_score":0.2949594557285309},{"text":"So I just wanna let you know when I look at all the options that you've got, that was the one that I was worried about, and that's kind of been resolved already ahead of time.","start":592.49,"end":601.735,"sentiment":"neutral","sentiment_score":0.1621646758996778},{"text":"All the other options, the gold, the international shares, everything's looking pretty good there.","start":602.355,"end":606.695,"sentiment":"positive","sentiment_score":0.4437061718532017}],"sentiment":"neutral","sentiment_score":0.2420543959619952,"channel":0,"num_words":51,"start":592.01,"end":606.695},{"sentences":[{"text":"Yeah.","start":607.425,"end":607.925,"sentiment":"neutral","sentiment_score":0.22820520401000977}],"sentiment":"neutral","sentiment_score":0.22820520401000977,"channel":1,"num_words":1,"start":607.425,"end":607.925},{"sentences":[{"text":"Yeah.","start":608.21,"end":608.71,"sentiment":"neutral","sentiment_score":0.24270541965961456},{"text":"The main thing for you at the moment, because you're sitting at about 405,000 now, on top of all your contributions all up, but you're in that kind of high growth portfolio.","start":608.93,"end":623.40497,"sentiment":"neutral","sentiment_score":0.22892041970044374},{"text":"Does that ring a bell?","start":623.40497,"end":624.545,"sentiment":"neutral","sentiment_score":0.22678678035736083}],"sentiment":"neutral","sentiment_score":0.22900244083843732,"channel":0,"num_words":38,"start":608.21,"end":624.545},{"sentences":[{"text":"Yep.","start":625.31,"end":625.81,"sentiment":"neutral","sentiment_score":0.18850700557231903}],"sentiment":"neutral","sentiment_score":0.18850700557231903,"channel":1,"num_words":1,"start":625.31,"end":625.81},{"sentences":[{"text":"Yep.","start":626.045,"end":626.545,"sentiment":"neutral","sentiment_score":0.21423205733299255},{"text":"So when it comes to the high growth, because pretty much all your super is in growth assets, you know, high risk, high return, shares, property, gold, trying to get those last few returns.","start":626.925,"end":638.19,"sentiment":"neutral","sentiment_score":0.21837654665989034},{"text":"Normally, I recommend you keep that for at least ten years because if the stock market crashes, you need enough time for it to bounce back and get the returns that you're aiming for for the retirement goal.","start":638.73,"end":650.41,"sentiment":"neutral","sentiment_score":0.11229525192787773},{"text":"Does that make sense?","start":650.41,"end":651.47,"sentiment":"neutral","sentiment_score":0.16369906440377235}],"sentiment":"neutral","sentiment_score":0.16313052564472347,"channel":0,"num_words":77,"start":626.045,"end":651.47},{"sentences":[{"text":"Yep.","start":651.94995,"end":652.44995,"sentiment":"neutral","sentiment_score":0.14387601613998413}],"sentiment":"neutral","sentiment_score":0.14387601613998413,"channel":1,"num_words":1,"start":651.94995,"end":652.44995},{"sentences":[{"text":"Yep.","start":652.855,"end":653.355,"sentiment":"neutral","sentiment_score":0.134217768907547},{"text":"So what I wanted to ask you is just in terms of when you're thinking of hanging up the boots, whether that was '60 or '65 or '67, just to gauge time frame with you.","start":653.575,"end":663.835,"sentiment":"neutral","sentiment_score":0.020475951548931854}],"sentiment":"neutral","sentiment_score":0.023635446475560054,"channel":0,"num_words":36,"start":652.855,"end":663.835},{"sentences":[{"text":"The l eight sixty four, I think, at this time.","start":664.735,"end":666.995,"sentiment":"neutral","sentiment_score":0.0094619357958436}],"sentiment":"neutral","sentiment_score":0.0094619357958436,"channel":1,"num_words":10,"start":664.735,"end":666.995},{"sentences":[{"text":"Yep.","start":667.95,"end":668.45,"sentiment":"neutral","sentiment_score":0.09889404475688934},{"text":"So the main thing at the moment is if we stay high growth, because you are at 400,000 now, when you get that 10% return up and down, the the super is gonna be jumping up and down about 40 to $50,000 at a time.","start":669.07,"end":682.835,"sentiment":"neutral","sentiment_score":0.12562382651699913},{"text":"So this time next year, it could be $3.50 or it could be $4.60, even 500,000.","start":683.135,"end":688.835,"sentiment":"neutral","sentiment_score":0.11820873618125916},{"text":"Generally speaking, the idea is you can go to the high growth to get those returns to get up to the $5.06, $7,800,000.","start":689.85504,"end":697.52997,"sentiment":"neutral","sentiment_score":0.30109806087884033},{"text":"But as you get closer to retirement, I've got to reduce the risk level down because I don't want to get high growth at 64, and you lose half of it a day before you retire.","start":698.07,"end":706.985,"sentiment":"neutral","sentiment_score":-0.17910613988836607}],"sentiment":"neutral","sentiment_score":0.06516368600229422,"channel":0,"num_words":121,"start":667.95,"end":706.985},{"sentences":[{"text":"Yep.","start":707.96,"end":708.46,"sentiment":"neutral","sentiment_score":0.1834729015827179}],"sentiment":"neutral","sentiment_score":0.1834729015827179,"channel":1,"num_words":1,"start":707.96,"end":708.46},{"sentences":[{"text":"Does that make sense to you?","start":709.28503,"end":710.905,"sentiment":"neutral","sentiment_score":0.22109800080458322},{"text":"So I just wanted to double check with you.","start":712.885,"end":714.565,"sentiment":"neutral","sentiment_score":0.1903364724583096},{"text":"Are you still comfortable with that idea of, like, let's just grow it as much as we can, and then in a couple of years time, we'll start to kind of slowly reduce the risk level down?","start":714.565,"end":723.51,"sentiment":"neutral","sentiment_score":0.20416652874366656}],"sentiment":"neutral","sentiment_score":0.20372649654746056,"channel":0,"num_words":52,"start":709.28503,"end":723.51},{"sentences":[{"text":"Yeah.","start":724.305,"end":724.625,"sentiment":"neutral","sentiment_score":-0.02522953599691391},{"text":"That's why I think we're out of this moment still.","start":724.625,"end":726.885,"sentiment":"neutral","sentiment_score":-0.13199471384286882}],"sentiment":"neutral","sentiment_score":-0.12228878858414563,"channel":1,"num_words":11,"start":724.305,"end":726.885},{"sentences":[{"text":"So the way that kind of plays out for most people is between the kind of early fifties, the sixties, and then we start reducing you down from a 100% growth asset to ninety, eighty, seventy, sixty, fifty, forty gradually over that last seven years.","start":727.89,"end":749.47003,"sentiment":"neutral","sentiment_score":0.0766235566801495},{"text":"And then basically when you hit retirement age, you've got a nice conservative portfolio that you can live off, earn your four to 5%, and kind of live off of that.","start":749.47003,"end":758.05005,"sentiment":"neutral","sentiment_score":0.2012917572452176}],"sentiment":"neutral","sentiment_score":0.12747505954221675,"channel":0,"num_words":76,"start":727.89,"end":758.05005},{"sentences":[{"text":"Yep.","start":759.015,"end":759.515,"sentiment":"neutral","sentiment_score":0.18127739429473877}],"sentiment":"neutral","sentiment_score":0.18127739429473877,"channel":1,"num_words":1,"start":759.015,"end":759.515},{"sentences":[{"text":"Yeah.","start":759.88495,"end":760.38495,"sentiment":"neutral","sentiment_score":0.12212122976779938},{"text":"K?","start":760.76495,"end":761.26495,"sentiment":"neutral","sentiment_score":0.09169293195009232},{"text":"So I'm gonna put in the original figures for your retirement goal at the moment, keep it the high growth.","start":761.96497,"end":767.26495,"sentiment":"neutral","sentiment_score":0.129189620167017},{"text":"Realistically, I think the main thing at the moment is just get the insurance premium down, revisit some contributions after the mortgage is paid off, and then reduce the risk after that.","start":768.20496,"end":779.03,"sentiment":"neutral","sentiment_score":0.11431380070280284}],"sentiment":"neutral","sentiment_score":0.11954904051014671,"channel":0,"num_words":54,"start":759.88495,"end":779.03},{"sentences":[{"text":"Yep.","start":779.725,"end":780.225,"sentiment":"neutral","sentiment_score":0.15339550375938416}],"sentiment":"neutral","sentiment_score":0.15339550375938416,"channel":1,"num_words":1,"start":779.725,"end":780.225},{"sentences":[{"text":"Yep.","start":780.53,"end":781.03,"sentiment":"neutral","sentiment_score":0.2044847309589386},{"text":"Cool.","start":781.41003,"end":781.91003,"sentiment":"positive","sentiment_score":0.44327855110168457},{"text":"Are you happy with that so far?","start":782.05,"end":783.91003,"sentiment":"positive","sentiment_score":0.46306869813374113},{"text":"Do you have any questions for me?","start":783.97003,"end":785.65,"sentiment":"neutral","sentiment_score":0.16171225905418396},{"text":"Yep.","start":785.65,"end":786.135,"sentiment":"neutral","sentiment_score":0.05213898420333862}],"sentiment":"neutral","sentiment_score":0.29843346862231984,"channel":0,"num_words":17,"start":780.53,"end":786.135},{"sentences":[{"text":"No.","start":785.96497,"end":786.205,"sentiment":"neutral","sentiment_score":-0.037555206567049026},{"text":"No.","start":786.205,"end":786.365,"sentiment":"neutral","sentiment_score":-0.05190630257129669},{"text":"That's sort of the plan.","start":786.365,"end":788.14496,"sentiment":"neutral","sentiment_score":-0.05323386937379837}],"sentiment":"neutral","sentiment_score":-0.050804408001048226,"channel":1,"num_words":7,"start":785.96497,"end":788.14496},{"sentences":[{"text":"Cool.","start":789.175,"end":789.675,"sentiment":"neutral","sentiment_score":0.2755733132362366},{"text":"Just for your own information as well, so in the pack that I've sent you on the emails there, so you get the usual reports for the insurance, the super financial services guide with our license info, updated privacy policy, and so on.","start":790.055,"end":805.11,"sentiment":"neutral","sentiment_score":0.20530815041342446},{"text":"I've included the updated service agreement in there because it has expired.","start":805.41003,"end":809.19,"sentiment":"neutral","sentiment_score":0.1223507026831309},{"text":"Just for your own info as well, we normally charge the 1.65% on the fee spread throughout the year.","start":810.05,"end":818.455,"sentiment":"neutral","sentiment_score":0.1326572373509407},{"text":"When you get to 600,000, we do cap our fees.","start":818.67505,"end":821.97504,"sentiment":"neutral","sentiment_score":0.06378115136176347}],"sentiment":"neutral","sentiment_score":0.1615333086646655,"channel":0,"num_words":85,"start":789.175,"end":821.97504},{"sentences":[{"text":"But next year, we're gonna bring in a tiered fee structure.","start":822.35504,"end":826.455,"sentiment":"neutral","sentiment_score":0.05809668553146449},{"text":"So, basically, anyone above $200, they're gonna start to get some percentage discount every couple of $100 after that on your next","start":826.81,"end":835.61005,"sentiment":"neutral","sentiment_score":0.09941377253694968}],"sentiment":"neutral","sentiment_score":0.08564141020178795,"channel":0,"num_words":33,"start":822.35504,"end":835.61005},{"sentences":[{"text":"Alright.","start":835.53503,"end":836.03503,"sentiment":"neutral","sentiment_score":0.16869579255580902}],"sentiment":"neutral","sentiment_score":0.16869579255580902,"channel":1,"num_words":1,"start":835.53503,"end":836.03503},{"sentences":[{"text":"review.","start":835.61005,"end":836.11005,"sentiment":"neutral","sentiment_score":0.1556909680366516}],"sentiment":"neutral","sentiment_score":0.1556909680366516,"channel":0,"num_words":1,"start":835.61005,"end":836.11005},{"sentences":[{"text":"Yep.","start":836.975,"end":837.475,"sentiment":"neutral","sentiment_score":0.16238199174404144}],"sentiment":"neutral","sentiment_score":0.16238199174404144,"channel":1,"num_words":1,"start":836.975,"end":837.475},{"sentences":[{"text":"K?","start":838.41003,"end":838.65,"sentiment":"neutral","sentiment_score":0.0839863270521164},{"text":"So the one at the moment is still the same as last year, but when we're talking this time next year, there'll be some discounts applied.","start":838.65,"end":844.995,"sentiment":"neutral","sentiment_score":0.13033505787069982},{"text":"So just have a read through that pack when you get a chance, and just let us know if you've got any questions.","start":845.29504,"end":849.955,"sentiment":"neutral","sentiment_score":0.1929304891306421}],"sentiment":"neutral","sentiment_score":0.1582019816339016,"channel":0,"num_words":50,"start":838.41003,"end":849.955},{"sentences":[{"text":"Yep.","start":850.83,"end":851.33,"sentiment":"neutral","sentiment_score":0.30669093132019043}],"sentiment":"neutral","sentiment_score":0.30669093132019043,"channel":1,"num_words":1,"start":850.83,"end":851.33},{"sentences":[{"text":"Cool.","start":852.575,"end":853.075,"sentiment":"positive","sentiment_score":0.4898470640182495},{"text":"From here, mate, I'm pretty much just going to go and then the team will basically give you a buzz in a couple of weeks to run through the figures with me.","start":853.135,"end":862.26,"sentiment":"positive","sentiment_score":0.35368815157562494},{"text":"Does that sound okay?","start":862.26,"end":863.32,"sentiment":"neutral","sentiment_score":0.24020662903785706}],"sentiment":"positive","sentiment_score":0.3450998494753966,"channel":0,"num_words":37,"start":852.575,"end":863.32},{"sentences":[{"text":"Yeah.","start":863.875,"end":864.195,"sentiment":"neutral","sentiment_score":0.11984320729970932},{"text":"And I've got a summons and paperwork because I'm about to review too.","start":864.195,"end":866.91504,"sentiment":"neutral","sentiment_score":0.10262479747717197},{"text":"They when I book the appointment and stuff, I'm supposed to sign.","start":866.91504,"end":870.275,"sentiment":"neutral","sentiment_score":0.07730577699840069},{"text":"Is that correct?","start":870.275,"end":871.015,"sentiment":"neutral","sentiment_score":0.09646716962258021}],"sentiment":"neutral","sentiment_score":0.09210470370177565,"channel":1,"num_words":29,"start":863.875,"end":871.015},{"sentences":[{"text":"Yeah.","start":871.97504,"end":872.29504,"sentiment":"neutral","sentiment_score":0.09743692725896835},{"text":"So I've refreshed that through.","start":872.29504,"end":874.075,"sentiment":"neutral","sentiment_score":0.11260295510292054},{"text":"Basically, at the bottom of the email is all the the attachments there for all your reports for the super and the insurance.","start":874.29504,"end":880.395,"sentiment":"neutral","sentiment_score":0.11640846891247708},{"text":"There is, like, a purple sign here button for the agreement so we can still be advisers on your account.","start":880.7,"end":886.4,"sentiment":"neutral","sentiment_score":0.12887823209166527},{"text":"And,","start":886.86,"end":887.36,"sentiment":"neutral","sentiment_score":0.0957302674651146}],"sentiment":"neutral","sentiment_score":0.12022282794117928,"channel":0,"num_words":50,"start":871.97504,"end":887.36},{"sentences":[{"text":"Yep.","start":886.93005,"end":887.01,"sentiment":"neutral","sentiment_score":0.10076835751533508},{"text":"Yep.","start":887.01,"end":887.475,"sentiment":"neutral","sentiment_score":0.09657512605190276}],"sentiment":"neutral","sentiment_score":0.09867174178361893,"channel":1,"num_words":2,"start":886.93005,"end":887.475},{"sentences":[{"text":"basically, if you click through the buttons, it'll stamp signatures, dates, and names on there.","start":887.74,"end":892.995,"sentiment":"neutral","sentiment_score":0.08924003839492797},{"text":"If you wanna draw it, just click on the signature and draw it with your finger there or on the computer with a mouse.","start":893.075,"end":898.535,"sentiment":"neutral","sentiment_score":0.08292537198091547}],"sentiment":"neutral","sentiment_score":0.08535408983245873,"channel":0,"num_words":39,"start":887.74,"end":898.535},{"sentences":[{"text":"Yep.","start":899.39496,"end":899.89496,"sentiment":"neutral","sentiment_score":0.13225653767585754}],"sentiment":"neutral","sentiment_score":0.13225653767585754,"channel":1,"num_words":1,"start":899.39496,"end":899.89496},{"sentences":[{"text":"Yep.","start":900.435,"end":900.935,"sentiment":"neutral","sentiment_score":0.21745681762695312},{"text":"Awesome.","start":902.035,"end":902.535,"sentiment":"positive","sentiment_score":0.4727141857147217}],"sentiment":"positive","sentiment_score":0.3450855016708374,"channel":0,"num_words":2,"start":900.435,"end":902.535},{"sentences":[{"text":"No worries.","start":902.48,"end":903.38,"sentiment":"neutral","sentiment_score":0.3080664277076721}],"sentiment":"neutral","sentiment_score":0.3080664277076721,"channel":1,"num_words":2,"start":902.48,"end":903.38},{"sentences":[{"text":"Is there anything else I can sort out for you before I let you go, Sean?","start":902.915,"end":906.295,"sentiment":"neutral","sentiment_score":0.17442810349166393}],"sentiment":"neutral","sentiment_score":0.17442810349166393,"channel":0,"num_words":16,"start":902.915,"end":906.295},{"sentences":[{"text":"No.","start":907.76,"end":908.0,"sentiment":"neutral","sentiment_score":0.02409079298377037},{"text":"I think that's where we're at.","start":908.0,"end":909.36,"sentiment":"neutral","sentiment_score":0.02603375508139531},{"text":"So I was just taking a loan.","start":909.36,"end":910.74,"sentiment":"neutral","sentiment_score":0.0796086990407535}],"sentiment":"neutral","sentiment_score":0.0526824440541012,"channel":1,"num_words":14,"start":907.76,"end":910.74},{"sentences":[{"text":"Yep.","start":911.82,"end":912.22,"sentiment":"neutral","sentiment_score":0.20883744955062863},{"text":"Get the fees down, grow the super, sort out the mortgage,","start":912.22,"end":916.08,"sentiment":"neutral","sentiment_score":0.3072751516645605}],"sentiment":"neutral","sentiment_score":0.2990720098217328,"channel":0,"num_words":12,"start":911.82,"end":916.08},{"sentences":[{"text":"Yep.","start":915.6,"end":916.1,"sentiment":"neutral","sentiment_score":0.2593950629234314}],"sentiment":"neutral","sentiment_score":0.2593950629234314,"channel":1,"num_words":1,"start":915.6,"end":916.1},{"sentences":[{"text":"reduce the risk,","start":916.62,"end":917.42,"sentiment":"neutral","sentiment_score":0.24130746225516}],"sentiment":"neutral","sentiment_score":0.24130746225516,"channel":0,"num_words":3,"start":916.62,"end":917.42},{"sentences":[{"text":"Yeah.","start":917.12,"end":917.62,"sentiment":"neutral","sentiment_score":0.3161609470844269}],"sentiment":"neutral","sentiment_score":0.3161609470844269,"channel":1,"num_words":1,"start":917.12,"end":917.62},{"sentences":[{"text":"and then live happily ever after.","start":917.42,"end":919.27997,"sentiment":"positive","sentiment_score":0.4551469335953395}],"sentiment":"positive","sentiment_score":0.4551469335953395,"channel":0,"num_words":6,"start":917.42,"end":919.27997},{"sentences":[{"text":"Yep.","start":920.055,"end":920.455,"sentiment":"neutral","sentiment_score":0.2669792175292969},{"text":"Pretty much.","start":920.455,"end":921.195,"sentiment":"positive","sentiment_score":0.5264360904693604}],"sentiment":"positive","sentiment_score":0.43995046615600586,"channel":1,"num_words":3,"start":920.055,"end":921.195},{"sentences":[{"text":"Awesome.","start":922.425,"end":922.825,"sentiment":"positive","sentiment_score":0.6487424373626709},{"text":"Awesome.","start":922.825,"end":923.305,"sentiment":"positive","sentiment_score":0.619420051574707},{"text":"Well, I appreciate you taking the time while you're on the tractor with me, mate.","start":923.305,"end":926.445,"sentiment":"positive","sentiment_score":0.5644610752662023},{"text":"If anything pops up, please give us a buzz.","start":926.745,"end":928.825,"sentiment":"neutral","sentiment_score":0.06734707123703426},{"text":"But, again, we're gonna reach out to you in a couple of weeks just to run through those figures together.","start":928.825,"end":932.84503,"sentiment":"neutral","sentiment_score":0.13343324549496174}],"sentiment":"neutral","sentiment_score":0.28282319932528166,"channel":0,"num_words":46,"start":922.425,"end":932.84503},{"sentences":[{"text":"Yep.","start":933.59,"end":933.91003,"sentiment":"neutral","sentiment_score":0.2322423756122589},{"text":"No worries.","start":933.91003,"end":934.65,"sentiment":"positive","sentiment_score":0.40791599452495575}],"sentiment":"positive","sentiment_score":0.3493581215540568,"channel":1,"num_words":3,"start":933.59,"end":934.65},{"sentences":[{"text":"Awesome, mate.","start":935.6088,"end":936.1689,"sentiment":"positive","sentiment_score":0.8603814244270325},{"text":"Have a fantastic day, and I'll talk to you again soon.","start":936.1689,"end":938.42883,"sentiment":"positive","sentiment_score":0.7630599032748829}],"sentiment":"positive","sentiment_score":0.7780324449905982,"channel":0,"num_words":13,"start":935.6088,"end":938.42883},{"sentences":[{"text":"Alright.","start":938.79,"end":939.11,"sentiment":"positive","sentiment_score":0.4554589688777923},{"text":"Thank you.","start":939.11,"end":939.77,"sentiment":"positive","sentiment_score":0.7670516073703766}],"sentiment":"positive","sentiment_score":0.6631873945395151,"channel":1,"num_words":3,"start":938.79,"end":939.77},{"sentences":[{"text":"Thank you.","start":940.56885,"end":941.0488,"sentiment":"positive","sentiment_score":0.7199075520038605},{"text":"Bye.","start":941.0488,"end":941.5488,"sentiment":"neutral","sentiment_score":-0.12366963177919388}],"sentiment":"positive","sentiment_score":0.438715157409509,"channel":0,"num_words":3,"start":940.56885,"end":941.5488}]},"summary":{"result":"success","short":"The senior adviser from Oakview discusses the annual review and income protection plan with Sean, offering a quote for 90 days. The agent suggests cutting fees and doing a quote to see if there is a better option for the customer. They also discuss retirement savings and retirement goals, with the speaker providing details on income and estate planning. The retirement goals of the customer are high growth and reducing risk levels, and the speaker explains the process of reducing risk levels and reducing risk levels gradually over time. They also mention a summons and paperwork for the customer to review and sign, and a team member will call in a few weeks to run through figures."},"intents":{"segments":[{"text":"I'm just giving you a call to go through your annual review. Do you still have a bit of time for me? Yeah.","start_word":17,"end_word":39,"intents":[{"intent":"Discuss annual review","confidence_score":0.0047015245}]},{"text":"The usual review pack email. But while I do that, are you able to confirm your date of birth and address for security for me?","start_word":40,"end_word":64,"intents":[{"intent":"Confirm information","confidence_score":0.3763137}]},{"text":"So what I wanted to do today is I'll just give you a quick update with what's been going on with the super because we made a few changes to it recently. And Yeah. just sort of see if there's been any major changes in the circumstances because we've had a new system. And just wanna update your details. Is that okay?","start_word":252,"end_word":313,"intents":[{"intent":"Update details","confidence_score":0.113536865}]},{"text":"it's 4,000 a month worth of cover, sorry, $4.02 $5.02, which is about a thousand bucks a week, but it's $4 a year for the income protection for the two year benefit, sixty day waiting period. Yeah.","start_word":561,"end_word":597,"intents":[{"intent":"Report costs","confidence_score":0.000019324247}]},{"text":"And what are your thoughts with this income protection? Because I can't reduce the benefit period below two years to get it any cheaper. The only way you can make it less expensive is trim it down further, which is quite minimal, or you kick out the waiting period for you know, you have to wait longer than sixty days before you claim on. So I want to cover in place. Is it important to you?","start_word":670,"end_word":745,"intents":[{"intent":"Cover income","confidence_score":0.0018110459}]},{"text":"Because I can't reduce the benefit period below two years to get it any cheaper. The only way you can make it less expensive is trim it down further, which is quite minimal, or you kick out the waiting period for you know, you have to wait longer than sixty days before you claim on.","start_word":679,"end_word":733,"intents":[{"intent":"Cost lower benefit period","confidence_score":0.0000021789429}]},{"text":"I can do some quotes for you. Going from the the eight weeks to the twelve weeks is usually to go where you can do thirty, sixty, or ninety days. You're at sixty now, ninety days is possible. The only thing longer than that is two years, and there's no point waiting two years for your income protection No. to kick in.","start_word":766,"end_word":827,"intents":[{"intent":"Get quote","confidence_score":0.050030928}]},{"text":"I'll do a bit of a quote. I'll do my usual comparison to see if there's anyone out there that's offering anything better because sometimes they do every few years, And then I'll come back to you with just what that pricing looks like. Yep.","start_word":923,"end_word":967,"intents":[{"intent":"Compare prices","confidence_score":0.053844877},{"intent":"Compare quotes","confidence_score":0.013308267}]},{"text":"So I just I've sort of turned some extra off the mortgage bill. It's down about $30, so I've been hammering that for the last few years to try and get it right down.","start_word":1032,"end_word":1065,"intents":[{"intent":"Resolve budget discrepancies","confidence_score":0.007903072}]},{"text":"So assets wise, we had car, boat, farm equipment, and trucks for about a $180, a few grand worth of shares in seven group, and a 115 in the recall. That all sound pretty close to the mark? Yep.","start_word":1335,"end_word":1373,"intents":[{"intent":"Inquire about investments","confidence_score":0.0011286628}]},{"text":"So I just wanna let you know when I look at all the options that you've got, that was the one that I was worried about, and that's kind of been resolved already ahead of time. All the other options, the gold, the international shares, everything's looking pretty good there. Yeah.","start_word":1702,"end_word":1752,"intents":[{"intent":"Resolve concerns","confidence_score":0.0037769417}]},{"text":"So I just wanna let you know when I look at all the options that you've got, that was the one that I was worried about, and that's kind of been resolved already ahead of time. All the other options, the gold, the international shares, everything's looking pretty good there. Yeah. Yeah.","start_word":1702,"end_word":1753,"intents":[{"intent":"Discuss options","confidence_score":0.012057286}]},{"text":"The main thing for you at the moment, because you're sitting at about 405,000 now, on top of all your contributions all up, but you're in that kind of high growth portfolio. Does that ring a bell? Yep.","start_word":1754,"end_word":1791,"intents":[{"intent":"Discuss high growth portfolio","confidence_score":0.38079867}]},{"text":"So when it comes to the high growth, because pretty much all your super is in growth assets, you know, high risk, high return, shares, property, gold, trying to get those last few returns. Normally, I recommend you keep that for at least ten years because if the stock market crashes, you need enough time for it to bounce back and get the returns that you're aiming for for the retirement goal. Does that make sense?","start_word":1793,"end_word":1868,"intents":[{"intent":"Confirm retirement goals","confidence_score":0.00043484673},{"intent":"Determine maximum return","confidence_score":0.0001881364},{"intent":"Evaluate average return rates","confidence_score":0.00016070015}]},{"text":"So what I wanted to ask you is just in terms of when you're thinking of hanging up the boots, whether that was '60 or '65 or '67, just to gauge time frame with you. The l eight sixty four, I think, at this time. Yep.","start_word":1871,"end_word":1916,"intents":[{"intent":"Evaluate time frame","confidence_score":0.1374993}]},{"text":"06, $7,800,000. But as you get closer to retirement, I've got to reduce the risk level down because I don't want to get high growth at 64, and you lose half of it a day before you retire. Yep.","start_word":2001,"end_word":2039,"intents":[{"intent":"Reduce risk level","confidence_score":0.47090548}]},{"text":"So I'm gonna put in the original figures for your retirement goal at the moment, keep it the high growth. Realistically, I think the main thing at the moment is just get the insurance premium down, revisit some contributions after the mortgage is paid off, and then reduce the risk after that. Yep.","start_word":2181,"end_word":2233,"intents":[{"intent":"Keep income","confidence_score":0.00011700764}]},{"text":"So I'm gonna put in the original figures for your retirement goal at the moment, keep it the high growth. Realistically, I think the main thing at the moment is just get the insurance premium down, revisit some contributions after the mortgage is paid off, and then reduce the risk after that. Yep. Yep.","start_word":2181,"end_word":2234,"intents":[{"intent":"Review contributions","confidence_score":0.07509522}]},{"text":"Just for your own information as well, so in the pack that I've sent you on the emails there, so you get the usual reports for the insurance, the super financial services guide with our license info, updated privacy policy, and so on.","start_word":2259,"end_word":2301,"intents":[{"intent":"Provide insurance reports","confidence_score":0.0020226177}]},{"text":"Just for your own information as well, so in the pack that I've sent you on the emails there, so you get the usual reports for the insurance, the super financial services guide with our license info, updated privacy policy, and so on. I've included the updated service agreement in there because it has expired. Just for your own info as well, we normally charge the 1.65% on the fee spread throughout the year.","start_word":2259,"end_word":2332,"intents":[{"intent":"Provide insurance","confidence_score":0.0054385928}]},{"text":"I've included the updated service agreement in there because it has expired. Just for your own info as well, we normally charge the 1.65% on the fee spread throughout the year. When you get to 600,000, we do cap our fees.","start_word":2302,"end_word":2342,"intents":[{"intent":"Provide service agreement","confidence_score":0.07588328}]},{"text":"But next year, we're gonna bring in a tiered fee structure. So, basically, anyone above $200, they're gonna start to get some percentage discount every couple of $100 after that on your next Alright. review.","start_word":2344,"end_word":2378,"intents":[{"intent":"Promote insurance plans","confidence_score":0.000573828}]}]},"sentiments":{"segments":[{"text":"Hello?","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.07590258121490479},{"text":"Good day, Sean.","start_word":1,"end_word":3,"sentiment":"positive","sentiment_score":0.3738772571086883},{"text":"Tommy here, senior adviser at Oakview, mate. How are you doing? Good morning. I'm just giving you a call to go through your annual review. Do you still have a bit of time for me? Yeah. The usual review pack email. But while I do that, are you able to confirm your date of birth and address for security for me? Eighteen fifty eight nineteen seventy two and Yep. '20 Thank three you. 23 Hayes Court Digi Gunna. Sensational. And just for your own purposes, I'm registered with Aptive as adviser 1273105. Sean, is there anything in particular you're hoping to get out of this year's annual review? No. No. Really. It's just up there trying to catch me for a while, but just saying I'm working. Yeah, mate. I can imagine it's it's pretty hectic and especially farm life. That's for sure. I've got a few family members and in laws running farms in North Queensland there, and it can always be something to do and try to put out. Yeah. That's it. Especially, like, May, June sort of just seeing, like, driving a tractor at the moment on all those shifts. That's alright. It's all good.","start_word":4,"end_word":201,"sentiment":"neutral","sentiment_score":-0.013944895006716251},{"text":"Awesome.","start_word":202,"end_word":202,"sentiment":"positive","sentiment_score":0.368208110332489},{"text":"Well, I appreciate you taking a few minutes for me today. So I'll pop this pack off to you, but I'm assuming while you're driving the track, you're probably not gonna jump on the email with me today. You might just have a look at it later. Yep.","start_word":203,"end_word":250,"sentiment":"neutral","sentiment_score":0.09520721435546876},{"text":"Awesome.","start_word":251,"end_word":251,"sentiment":"positive","sentiment_score":0.35371607542037964},{"text":"So what I wanted to do today is I'll just give you a quick update with what's been going on with the super because we made a few changes to it recently. And Yeah. just sort of see if there's been any major changes in the circumstances because we've had a new system. And just wanna update your details. Is that okay? Yep.","start_word":252,"end_word":314,"sentiment":"neutral","sentiment_score":0.13068631291389465},{"text":"Cool.","start_word":315,"end_word":315,"sentiment":"positive","sentiment_score":0.519292414188385},{"text":"So I'm just gonna quickly run through what we've got.","start_word":316,"end_word":325,"sentiment":"neutral","sentiment_score":0.2995953857898712},{"text":"Main main focus in terms of goals for you last time was pretty much just pay off the mortgage and then maybe boost up the super after that sorted and basically retire debt free, home paid off, and a super alongside you.","start_word":326,"end_word":367,"sentiment":"positive","sentiment_score":0.35779163241386414},{"text":"Does that sound right? Yep. Yeah. Yep. And the other thing was you had a bit of insurances disability income protection that we put through Neos. Yeah. That seems to have gone up again. That's the only thing that comes through in since it jumped up a little bit again in the premium. Yeah. Can I talk to you about that one first? Because that one concerned me a little bit. One of the things when it comes to set premiums is it goes up with your age, normal insurance price increases. And through the 50, this jumps up very, very, very quickly. I've just had a look at the recent premium that's gonna be coming out in August, and it's sitting close to $6,000 before the 15 Yep. percent rebate. So you've got the life in TPD, couple of $100 there, which basically pays off the mortgage and gives you a top up. Those aren't too expensive. I'm having a look at both of those. They're about $600 a year for the life insurance, 1,700 for the TPD.","start_word":368,"end_word":546,"sentiment":"neutral","sentiment_score":0.002841855864971876},{"text":"But it's the income protection that's the biggest hit at the moment.","start_word":547,"end_word":558,"sentiment":"negative","sentiment_score":-0.37441307306289673},{"text":"So Yeah. it's 4,000 a month worth of cover, sorry, $4.02 $5.02, which is about a thousand bucks a week, but it's $4 a year for the income protection for the two year benefit, sixty day waiting period. Yeah.","start_word":559,"end_word":597,"sentiment":"neutral","sentiment_score":-0.047692958265542984},{"text":"So what I wanted to ask you is because that's kind of I need to make sure fees aren't really butchering you super too much because we can get as much growth as we can, but if the fees are too high, that's gonna be an issue.","start_word":598,"end_word":644,"sentiment":"negative","sentiment_score":-0.3811817169189453},{"text":"Do you still value, first of all, the life and disability insurance to pay off the mortgage in those lump sum? Yeah. Yeah. Yeah. Yeah. And what are your thoughts with this income protection? Because I can't reduce the benefit period below two years to get it any cheaper. The only way you can make it less expensive is trim it down further, which is quite minimal, or you kick out the waiting period for you know, you have to wait longer than sixty days before you claim on. So I want to cover in place. Is it important to you? That depends, like, what's the options with the waiting period and how much of a difference does that actually make. I can do some quotes for you. Going from the the eight weeks to the twelve weeks is usually to go where you can do thirty, sixty, or ninety days. You're at sixty now, ninety days is possible. The only thing longer than that is two years, and there's no point waiting two years for your income protection No. to kick in. That's right. It wouldn't wanna. So, yeah, do you want me to do a quote for ninety days and see what that looks like? Yeah. Yep. But it's handy to have, but, like, we dropped it I dropped it last year because of how expensive it was. I dropped the the amount down and a few other bits and pieces, and that Yep. made it pretty good. But when I saw it this year, I saw it jump back up. So, Yeah. yeah, that'd Exactly. be handy Right. if So we can get it close. I'll do a bit of a quote. I'll do my usual comparison to see if there's anyone out there that's offering anything better because sometimes they do every few years, And then I'll come back to you with just what that pricing looks like. Yep. Yep.","start_word":645,"end_word":968,"sentiment":"neutral","sentiment_score":0.05309886112809181},{"text":"Perfect. Sounds good.","start_word":969,"end_word":971,"sentiment":"positive","sentiment_score":0.5649685263633728},{"text":"Last couple of details to check with you is you're obviously still doing the farming. We had your income at a 120.","start_word":972,"end_word":993,"sentiment":"neutral","sentiment_score":0.05988616496324539},{"text":"That went up to 100 and pay just recently. Congratulations.","start_word":994,"end_word":1003,"sentiment":"positive","sentiment_score":0.5760996341705322},{"text":"And does that give you, like, a regular, like, surplus cash flow that you can put aside, or is your budget kind of a bit up and down? So I just I've sort of turned some extra off the mortgage bill. It's down about $30, so I've been hammering that for the last few years to try and get it right down. I wanna get it down to Oh, about amazing. 10 or something.","start_word":1004,"end_word":1077,"sentiment":"neutral","sentiment_score":0.11165788024663924},{"text":"Okay. That's fantastic.","start_word":1078,"end_word":1080,"sentiment":"positive","sentiment_score":0.6076856851577759},{"text":"So mortgage is down to 30.","start_word":1081,"end_word":1086,"sentiment":"neutral","sentiment_score":0.3159715235233307},{"text":"That's looking pretty good.","start_word":1087,"end_word":1090,"sentiment":"positive","sentiment_score":0.5589580535888672},{"text":"Yeah. One I think just of over there. the okay. Just over 30. Contributions to super just to kind of cap things off as you lead into retirement closer to 60 or even after 60. Do you want me to look at any salary sacrifice this financial year, or do you want me to hold off the twelve months at least? I'd say hold up for twelve months because the way I'm going, I feel like I should be nearly down to that ten, depending on a few issues or pretty close to where I wanted to be by this time next year, I reckon. I'll be a lot closer.","start_word":1091,"end_word":1200,"sentiment":"neutral","sentiment_score":-0.05517694726586342},{"text":"Perfect.","start_word":1201,"end_word":1201,"sentiment":"positive","sentiment_score":0.4469022154808045},{"text":"So mortgage paid off first. We can look at that 15% tax on salary sacrifice next year. And then when you hit 60, we can do the old TTR strategies where we can pull a bit out of your super and put it back in again for a deduction, and that'll help boost things up as well between sixty and sixty five. Oh, yeah. Sensational. We've got just in terms of family, mate, we we had you listed as the facto a while ago. Is that still correct? Sorry. What was that? Relationship status, we had you down as the facto originally, and I'm just wondering if that's a bit out of date. No. It's still fine. Cool. And do you have any dependents under 18? No. Sensational. Last couple of questions. So assets wise, we had car, boat, farm equipment, and trucks for about a $180, a few grand worth of shares in seven group, and a 115 in the recall.","start_word":1202,"end_word":1363,"sentiment":"neutral","sentiment_score":0.06893267096192748},{"text":"That all sound pretty close to the mark? Yep. Perfect.","start_word":1364,"end_word":1373,"sentiment":"positive","sentiment_score":0.3966192305088043},{"text":"And you never gone through, like, a a bankruptcy or a part nine debt agreement before, have you? No. So and last question. In terms of the estate planning, I believe the beneficiaries are all up to date, which is good. Just double checking if you ended up putting in place, like, a will and a power of attorney. No. No. This is such. I'll put you in there for the next plan on that one. Just for your own info, like, you can always get it from the post office that a government approved for $25 a pop. Lawyers courthouse, there's a few different options there if that's important for Yep. you. Cool. Now on the super side of things, so do you usually log in and check it every now and then? No. Not really. Okay. So let me just give you an idea with what's been going on. You let me know if you're still comfortable with all this. So on the news, well, kind of exploded around Christmas time in March.","start_word":1374,"end_word":1548,"sentiment":"neutral","sentiment_score":0.06432539969682693},{"text":"Stock market went tumbling down.","start_word":1549,"end_word":1553,"sentiment":"negative","sentiment_score":-0.38712504506111145},{"text":"It's had a bit of a bounce back then. So what's basically happened to the super is I'm just having a look at the individual investment options here. So you kind of tumbled down about minus 8% in return around April. Now Yeah. at that point, what we did, because that was down to one investment, all the other investments that you've got were up double digits. We had one there in the Australian shares that were going down quite fast, And we made a decision across all clients at an investment committee level to basically divest everybody out of that one option and switch it to an option that had some lower fees and better performance on it. And since then, it's picked it over back up to back up to neutral from the negative 8% that you've had it jump back up another $12. Yep. Yeah. So I just wanna let you know when I look at all the options that you've got, that was the one that I was worried about, and that's kind of been resolved already ahead of time.","start_word":1554,"end_word":1737,"sentiment":"neutral","sentiment_score":-0.007163412302084591},{"text":"All the other options, the gold, the international shares, everything's looking pretty good there.","start_word":1738,"end_word":1751,"sentiment":"positive","sentiment_score":0.4425620138645172},{"text":"Yeah. Yeah. The main thing for you at the moment, because you're sitting at about 405,000 now, on top of all your contributions all up, but you're in that kind of high growth portfolio. Does that ring a bell? Yep. Yep. So when it comes to the high growth, because pretty much all your super is in growth assets, you know, high risk, high return, shares, property, gold, trying to get those last few returns. Normally, I recommend you keep that for at least ten years because if the stock market crashes, you need enough time for it to bounce back and get the returns that you're aiming for for the retirement goal. Does that make sense? Yep. Yep. So what I wanted to ask you is just in terms of when you're thinking of hanging up the boots, whether that was '60 or '65 or '67, just to gauge time frame with you. The l eight sixty four, I think, at this time. Yep. So the main thing at the moment is if we stay high growth, because you are at 400,000 now, when you get that 10% return up and down, the the super is gonna be jumping up and down about 40 to $50,000 at a time. So this time next year, it could be $3.50 or it could be $4.60, even 500,000. Generally speaking, the idea is you can go to the high growth to get those returns to get up to the $5. 06, $7,800,000. But as you get closer to retirement, I've got to reduce the risk level down because I don't want to get high growth at 64, and you lose half of it a day before you retire. Yep. Does that make sense to you? So I just wanted to double check with you. Are you still comfortable with that idea of, like, let's just grow it as much as we can, and then in a couple of years time, we'll start to kind of slowly reduce the risk level down? Yeah. That's why I think we're out of this moment still. So the way that kind of plays out for most people is between the kind of early fifties, the sixties, and then we start reducing you down from a 100% growth asset to ninety, eighty, seventy, sixty, fifty, forty gradually over that last seven years. And then basically when you hit retirement age, you've got a nice conservative portfolio that you can live off, earn your four to 5%, and kind of live off of that. Yep. Yeah. K? So I'm gonna put in the original figures for your retirement goal at the moment, keep it the high growth. Realistically, I think the main thing at the moment is just get the insurance premium down, revisit some contributions after the mortgage is paid off, and then reduce the risk after that. Yep. Yep.","start_word":1752,"end_word":2233,"sentiment":"neutral","sentiment_score":0.11907348651979968},{"text":"Cool. Are you happy with that so far?","start_word":2234,"end_word":2241,"sentiment":"positive","sentiment_score":0.4516637921333313},{"text":"Do you have any questions for me? Yep. No. No. That's sort of the plan. Cool. Just for your own information as well, so in the pack that I've sent you on the emails there, so you get the usual reports for the insurance, the super financial services guide with our license info, updated privacy policy, and so on. I've included the updated service agreement in there because it has expired. Just for your own info as well, we normally charge the 1.65% on the fee spread throughout the year. When you get to 600,000, we do cap our fees. But next year, we're gonna bring in a tiered fee structure. So, basically, anyone above $200, they're gonna start to get some percentage discount every couple of $100 after that on your next Alright. review. Yep. K? So the one at the moment is still the same as last year, but when we're talking this time next year, there'll be some discounts applied. So just have a read through that pack when you get a chance, and just let us know if you've got any questions. Yep.","start_word":2242,"end_word":2428,"sentiment":"neutral","sentiment_score":0.13654715946332657},{"text":"Cool. From here, mate, I'm pretty much just going to go and then the team will basically give you a buzz in a couple of weeks to run through the figures with me.","start_word":2429,"end_word":2461,"sentiment":"positive","sentiment_score":0.3643305599689483},{"text":"Does that sound okay? Yeah. And I've got a summons and paperwork because I'm about to review too. They when I book the appointment and stuff, I'm supposed to sign. Is that correct? Yeah. So I've refreshed that through. Basically, at the bottom of the email is all the the attachments there for all your reports for the super and the insurance. There is, like, a purple sign here button for the agreement so we can still be advisers on your account. And, Yep. Yep. basically, if you click through the buttons, it'll stamp signatures, dates, and names on there. If you wanna draw it, just click on the signature and draw it with your finger there or on the computer with a mouse. Yep. Yep.","start_word":2462,"end_word":2587,"sentiment":"neutral","sentiment_score":0.107181116938591},{"text":"Awesome.","start_word":2588,"end_word":2588,"sentiment":"positive","sentiment_score":0.4727141857147217},{"text":"No worries. Is there anything else I can sort out for you before I let you go, Sean? No. I think that's where we're at. So I was just taking a loan. Yep. Get the fees down, grow the super, sort out the mortgage, Yep. reduce the risk, Yeah.","start_word":2589,"end_word":2637,"sentiment":"neutral","sentiment_score":0.18032366037368777},{"text":"and then live happily ever after.","start_word":2638,"end_word":2643,"sentiment":"positive","sentiment_score":0.45054683089256287},{"text":"Yep.","start_word":2644,"end_word":2644,"sentiment":"neutral","sentiment_score":0.2669792175292969},{"text":"Pretty much. Awesome. Awesome. Well, I appreciate you taking the time while you're on the tractor with me, mate.","start_word":2645,"end_word":2663,"sentiment":"positive","sentiment_score":0.5884767770767212},{"text":"If anything pops up, please give us a buzz. But, again, we're gonna reach out to you in a couple of weeks just to run through those figures together. Yep.","start_word":2664,"end_word":2693,"sentiment":"neutral","sentiment_score":0.11202522367238998},{"text":"No worries. Awesome, mate. Have a fantastic day, and I'll talk to you again soon. Alright. Thank you. Thank you. Bye.","start_word":2694,"end_word":2714,"sentiment":"positive","sentiment_score":0.6896197199821472}],"average":{"sentiment":"neutral","sentiment_score":0.0842246406409656}}}}