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We've made some changes to updated recommendations. Is now still a good time? Yep. Fabulous. All good. Do you happen to have access to your emails? If you don't, that's absolutely fine. I can run through it and send it to you after. What would you prefer? That's okay. Not a problem. I'll run through the recommendations for you, give you a bit of an update on the parts that I need to, and then you're welcome to have a bit of a look at it later. If you find you have questions, you're welcome to let me know. Okay? Excellent. Now I'm sending you through your email there, the1@msn.com. That's still the same email? Fantastic. And I'll just do security with you and just confirm before we jump into the call, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yeah. So I'll be listening. I'll just do a quick security check there with you. Just need to confirm your full name, date of birth, and address that you have on file there for you, Troy. Yep. That's okay. That's okay. You did awesome. Thank you so much for that. You've got a lot going on. Oh, beautiful. That's okay. Did you wanna look at the document, or did you wanna have us look at it later? What's your preference? Yeah. Absolutely. Not an issue at all. So, Troy, after our last call, I've gone back and had a really good look at your file, gone through, and just sort of, you know, updated the investment switch there. We're essentially having a look at your investments. It looks like one or two of them are underperforming a little bit there at the moment with what's been happening in the market. So I have made a bit of a recommendation to make some changes to your investments, but still keeping you in that high growth environment, which is where you're comfortable being for the time being. And because you don't wanna retire to the age of 60 65 there at the moment, that's still fine and appropriate for you. So what I am recommending there for you, Troy, is that we are going to just rebalance some of your portfolio. So we'll sell off a little bit of the battery of lithium taxes, bringing it back to 5%. We're going to buy a little bit more of cybersecurity. It has taken a bit of a dip recently. So buying a bit now means we're buying into the dip, which is a positive. We're going to just sort of rebalance the Asia and Europe and The US equities there for you a little bit. We're also gonna rebalance the Nasdaq. You've got some robotics and AI still keeping it, but just rebalancing a little bit. And then also, you've got your Bennelong Australian equities in there. So Bennelong has actually been underperforming very heavily over the past few months, so we're gonna sell that off completely and remove that. We've evaluated that as an investment, and it's no longer a good investment to have. So we're going to remove that from your portfolio completely and put you into the beta says 8,200. So it's still giving you exposure into the Australian market. It's actually giving you more diversification, which can help to reduce the risk of your portfolio. But when we look at the changes that are being made, the adding beta share as the a 200 into there actually is cheaper for you. So by making these changes, it saves you about $498 for the year on investment fees. So it makes your portfolio cheaper, save you on fees, and it's actually performed a lot better than what your current portfolio has been. So we wanted to make the switch, rebalance things a little bit, make sure you're not overexposed to risk in the current climate that we're seeing, but also make sure that your portfolio is being performing well and that it has that it can perform just as well in the future. Does that make sense? Yep. Beautiful. Essentially, the newer portfolios average the higher rate of return. And when you look at the document there, you'll see some updated projections. But over the next ten years, you'll see it can provide you with a greater level of if, you know, if the market's performed the way it has, it can provide you with a greater projection than what your current portfolio has. So we do wanna keep watching and monitoring that, and we'll make sure that we keep reviewing this with you every year as well. Okay? Yeah. So yeah. Sorry. Yeah. Yeah. Absolutely. Did you want a catch up once every three months or six months? Or how how often would you kind of prefer a review? Six months? That's okay. Yeah. Not a problem. I'll put it down here that you wanna a bit of a catch up every six months for you, and we'll make sure in six months' time, we book you back in for a bit of a catch up to see how things are tracking easily. Yeah. Absolutely. So yeah. Absolutely. So let me just pull up your last review documents just to see where things were when we last caught up there. That way we can give you a bit of a comparison. And you're in a hub. Sorry. It won't be a second. My computer's a little bit slow. Yeah. Yeah. On the Gold Coast. Yeah. It's raining here at the moment. Horrible and wet. Oh, really? Seems to be everywhere. Can't win at the moment with that weather. It's been raining all week on and off. It's been a bit crazy. Yep. Yeah. No. All good. Yep. Oh, can't you? Okay. Did you want me to get them to resend or send, like, a new email to you or send a new card to see if you can get in? Yes? That's okay. I'll contact 24 and find out what they can do to help you there. Sorry to Yep. Yeah. Yeah. Yeah. Absolutely. Yeah. So having a look at your balance at the moment, I'm just pulling up a report to see where it was last year. But the balance in the advice document we have, there is a hun a 150,148, and your balance as of today is slightly higher. So yeah, so your balance as of today, we're currently sitting at where are we? Let's go back to the other screen. Sorry. I'm just pulling up for a quick report, but also kinda jumping back through the screens to grab the information for you. There we go. Okay. So the balance in the account as of today, we've got a 150,289 in there. So it has gone up since we did the advice document up. And in the last twelve months there, the portfolio, Walter, is up because of what's been happening in the markets this year and with Benelon being down a little bit. You still got a positive return of 3.3%, but it is a much smaller positive return than we would like. But you are definitely up from this from this same time last year. So twelve months ago, you had a balance of about 136,000, and so now you're up to 150. Yeah. Yeah. All good. The Mhmm. The contributions going in from CremSafe? Yep. Yeah. We see that. Absolutely. Yeah. They're going in every week. You've still got your employer contributions and your sales stack going in there as well. It's all going in properly. Yeah. Yeah. We see all that in there. Yeah. Yep. That's the $25 every week, I believe. Yep. Yeah. Yeah. It's still going in there. Yeah. Absolutely. I can see it every week. Yeah. Absolutely gonna benefit you. Yeah. So, essentially, it's going in as a salary sacrifice contribution. And so putting money in on a regular basis, even something as small as $25 every week, when you look at this between now to when you turn 65, that $25 being invested and compound into the market is a really beneficial thing. You're helping to sort of lower your tax rate a little bit because you're it's pretax money, but it's going in and compounding towards when something as simple as $20 compounded, you know, and even at a three or a four or 10% interest rate over, you know, twenty odd years, it grows pretty large. So it could it's definitely gonna provide a benefit. I would continue doing it most definitely. Yeah. Yeah. Beautiful. No. All good. The other thing I just wanted to run through now last time we spoke, Troy, I'm not sure if this is still the same, but last time we spoke, we obviously tried to do to get life and TPD and income protection for you last year, but we weren't able to because of the cerebral palsy. The insurers aren't offering any kind of disability cover because of it. So you asked me to see if I could go back and just get some life cover. So in the event that you would have passed away, you would have cover for 500,000, and that covers both of your mortgages. So I did go back, and I've done a lot of research around that in the past few months to find out what's gonna be offered. And it looks like Ascender are gonna offer life cover only for the 500,000. We did put to them that you do have cerebral palsy, and they've said as long as there's no cognitive issues, there's there's not a problem at all. They don't see any issue with that. So it's basically coming back that you can have a life only to with a benefit amount of 500,000 to be paid out of your super funds. So you're not having to pay the premiums out of your back pocket. And it's estimated to cost about $296 pay for the first year. So only a very little cost. If you sort of break that down to a weekly amount, it's about about $5.69 per week to give you $500 500,000 worth of life cover. Okay? That is the first year. It does get more and more expensive, so it does increase every year as you get older and older. But it's only in it's generally only at very small increments. That normally increases by between two to 5% depending on their increasing each year. But we review the level of cover with you. So if it increases next year and you go, hey. That's a bit too expensive, we can always reduce it back a little bit. But along with the increase in price, the amount is also indexed. So, like, if you, you know, hold this cover for the next sort of five years, it'll go from $500,000 worth of cover to maybe $550,000 worth of cover. So the benefit amount that you're covered for is also indexed and increases along sorry, with the policy increase as well. Does that make sense? Yes. Beautiful. So I have made the recommendation in there for you to apply for that life cover. I've got the information in there in the best interest. Essentially, they're not gonna give us any TBD or income protection, and we're not looking at any additional cover outside of super at the moment. You were just happy to look at license if you could get those two mortgages covered, essentially. So feel free to have a bit of a read through that. The benefit to having it paid out of your super is that you don't have to pay the premiums out of your back pocket. And I know life is beyond expensive at the moment. I'm just feeling gross. The loan's been costing us all a fortune. So, essentially, you know, being able to pay for that premium out of your super means you don't have to pay for that out of your back pocket. It means that the premium is deducted once a year from, essentially, your super fund, and we wanna make sure your super fund is growing enough to make sure that con the to make that premium paid and covered as well as all the other fees that are paid as well. There is obviously the disadvantage as it the sorry. The disadvantage there that it is paid out of your super. So having insurances that are paid out of your super and because they do get more expensive over time, it can provide a bit of a disadvantage or it can affect how much you have in super at the end of the day. But that's why you do have us here. You and I'll review the level of cover you have it here. You can let me know how whether it's too expensive, whether you don't want it anymore, or whether you, you know, think you just wanna pull the cover back, and we can keep altering that life cover as needed. Realistically, once you've paid your mortgages off and you own the properties and your super balance is nice and big, you shouldn't need any life cover. So there should be a point when we can essentially cancel that life cover and, you know, you retire debt free and with a lovely super balance at the end of the day as well. Yeah. All good. Yeah. Oh, good. All good. All good. Yeah. When you do sorry? Yes. What I would like you to do is have a bit of a read through it after. Let me know if you do happen to have any questions. With applying for just a life cover, I know Karen is your beneficiary on your hub twenty four super, and that's the way you wanted it. So I've made a recommendation that when we apply for life cover, we do also apply the beneficiary. So in the event of passing, Karen gets the money to be able to pay off the mortgages and make things a bit easier for her. And I always sort of suggest to people as well, make sure that you let your beneficiary know that you we do look after your super just so in the event that something happens, she knows to call us, and we will help her with the claim. It's just something I have come across in the past where clients have passed away and haven't kinda given any of their beneficiaries the information. And then six months later, they've called us going, hey. What's going on? Who are you? And we kind of have to go through the claim a few a few months down the track, and it's been a hard time for the family. So it's just something I like to kind of bring up and make sure that everyone's sort of aware of what's happening and where your super is and that you do have a financial adviser that helps you with it just so they know who to call and what to do in the event of something occurring. Okay? Easy. In the document, when you do get a chance to read it over, I've got the advantages, the disadvantages, the risks involved of all the strategies there for you. I've also got the best interest duty there, which essentially links it back to your goal, and I'll let you know why the recommendations are in your best interest to go forward with. And I've also got your assets and liabilities as per our last conversation, so feel free to run your eyes over those. If you think they need to be updated in the back end, feel free to let me know, and we'll make sure that we do a catch up with you in about six months. Does that sound okay? Yep. Beautiful. You're right. Sorry. Yeah. Absolutely. Yeah. Absolutely. Once it comes back to me, I'll download it, and I'll email you a separate copy. Not a problem at all. You're good. That's okay. It's a bit hard on the phone. That's okay. What's it sort of telling you? Is there anything specific it's asking or it's saying at the moment? No. There might be a little text box on the back there as well, and it might have a you might just need to put NA or is it is it a little text box there at all that's asking you for something? Yeah. That's okay. If you get stuck, let me know. And, yeah, once it comes through, I'll I'll make sure I download it and send you a copy. Okay? No worries, Troy. If you do find you have any questions, let me know. I'm more than happy to help, and I'll get on the hub twenty four and find out if they can re email you the login information. Okay? No worries. Thanks so much. Talk to you soon. See you later. You too. Thanks, Joy. 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Troy. It's Dana from OB Financial. How are you today? That's good. How's your day been?\n\nYeah. All good. Look. I just had you booked in to go through an updated statement of advice for you. We've made some changes to updated recommendations.\n\nIs now still a good time? Yep. Fabulous. All good. Do you happen to have access to your emails?\n\nIf you don't, that's absolutely fine. I can run through it and send it to you after. What would you prefer? That's okay. Not a problem.\n\nI'll run through the recommendations for you, give you a bit of an update on the parts that I need to, and then you're welcome to have a bit of a look at it later. If you find you have questions, you're welcome to let me know. Okay? Excellent. Now I'm sending you through your email there, the1@msn.com.\n\nThat's still the same email? Fantastic. And I'll just do security with you and just confirm before we jump into the call, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yeah.\n\nSo I'll be listening. I'll just do a quick security check there with you. Just need to confirm your full name, date of birth, and address that you have on file there for you, Troy. Yep. That's okay.\n\nThat's okay. You did awesome. Thank you so much for that. You've got a lot going on. Oh, beautiful.\n\nThat's okay. Did you wanna look at the document, or did you wanna have us look at it later? What's your preference? Yeah. Absolutely.\n\nNot an issue at all. So, Troy, after our last call, I've gone back and had a really good look at your file, gone through, and just sort of, you know, updated the investment switch there. We're essentially having a look at your investments. It looks like one or two of them are underperforming a little bit there at the moment with what's been happening in the market. So I have made a bit of a recommendation to make some changes to your investments, but still keeping you in that high growth environment, which is where you're comfortable being for the time being.\n\nAnd because you don't wanna retire to the age of 60 65 there at the moment, that's still fine and appropriate for you. So what I am recommending there for you, Troy, is that we are going to just rebalance some of your portfolio. So we'll sell off a little bit of the battery of lithium taxes, bringing it back to 5%. We're going to buy a little bit more of cybersecurity. It has taken a bit of a dip recently.\n\nSo buying a bit now means we're buying into the dip, which is a positive. We're going to just sort of rebalance the Asia and Europe and The US equities there for you a little bit. We're also gonna rebalance the Nasdaq. You've got some robotics and AI still keeping it, but just rebalancing a little bit. And then also, you've got your Bennelong Australian equities in there.\n\nSo Bennelong has actually been underperforming very heavily over the past few months, so we're gonna sell that off completely and remove that. We've evaluated that as an investment, and it's no longer a good investment to have. So we're going to remove that from your portfolio completely and put you into the beta says 8,200. So it's still giving you exposure into the Australian market. It's actually giving you more diversification, which can help to reduce the risk of your portfolio.\n\nBut when we look at the changes that are being made, the adding beta share as the a 200 into there actually is cheaper for you. So by making these changes, it saves you about $498 for the year on investment fees. So it makes your portfolio cheaper, save you on fees, and it's actually performed a lot better than what your current portfolio has been. So we wanted to make the switch, rebalance things a little bit, make sure you're not overexposed to risk in the current climate that we're seeing, but also make sure that your portfolio is being performing well and that it has that it can perform just as well in the future. Does that make sense?\n\nYep. Beautiful. Essentially, the newer portfolios average the higher rate of return. And when you look at the document there, you'll see some updated projections. But over the next ten years, you'll see it can provide you with a greater level of if, you know, if the market's performed the way it has, it can provide you with a greater projection than what your current portfolio has.\n\nSo we do wanna keep watching and monitoring that, and we'll make sure that we keep reviewing this with you every year as well. Okay? Yeah. So yeah. Sorry.\n\nYeah. Yeah. Absolutely. Did you want a catch up once every three months or six months? Or how how often would you kind of prefer a review?\n\nSix months? That's okay. Yeah. Not a problem. I'll put it down here that you wanna a bit of a catch up every six months for you, and we'll make sure in six months' time, we book you back in for a bit of a catch up to see how things are tracking easily.\n\nYeah. Absolutely. So yeah. Absolutely. So let me just pull up your last review documents just to see where things were when we last caught up there.\n\nThat way we can give you a bit of a comparison. And you're in a hub. Sorry. It won't be a second. My computer's a little bit slow.\n\nYeah. Yeah. On the Gold Coast. Yeah. It's raining here at the moment.\n\nHorrible and wet. Oh, really? Seems to be everywhere. Can't win at the moment with that weather. It's been raining all week on and off.\n\nIt's been a bit crazy. Yep. Yeah. No. All good.\n\nYep. Oh, can't you? Okay. Did you want me to get them to resend or send, like, a new email to you or send a new card to see if you can get in? Yes?\n\nThat's okay. I'll contact 24 and find out what they can do to help you there. Sorry to Yep. Yeah. Yeah.\n\nYeah. Absolutely. Yeah. So having a look at your balance at the moment, I'm just pulling up a report to see where it was last year. But the balance in the advice document we have, there is a hun a 150,148, and your balance as of today is slightly higher.\n\nSo yeah, so your balance as of today, we're currently sitting at where are we? Let's go back to the other screen. Sorry. I'm just pulling up for a quick report, but also kinda jumping back through the screens to grab the information for you. There we go.\n\nOkay. So the balance in the account as of today, we've got a 150,289 in there. So it has gone up since we did the advice document up. And in the last twelve months there, the portfolio, Walter, is up because of what's been happening in the markets this year and with Benelon being down a little bit. You still got a positive return of 3.3%, but it is a much smaller positive return than we would like.\n\nBut you are definitely up from this from this same time last year. So twelve months ago, you had a balance of about 136,000, and so now you're up to 150. Yeah. Yeah. All good.\n\nThe Mhmm. The contributions going in from CremSafe? Yep. Yeah. We see that.\n\nAbsolutely. Yeah. They're going in every week. You've still got your employer contributions and your sales stack going in there as well. It's all going in properly.\n\nYeah. Yeah. We see all that in there. Yeah. Yep.\n\nThat's the $25 every week, I believe. Yep. Yeah. Yeah. It's still going in there.\n\nYeah. Absolutely. I can see it every week. Yeah. Absolutely gonna benefit you.\n\nYeah. So, essentially, it's going in as a salary sacrifice contribution. And so putting money in on a regular basis, even something as small as $25 every week, when you look at this between now to when you turn 65, that $25 being invested and compound into the market is a really beneficial thing. You're helping to sort of lower your tax rate a little bit because you're it's pretax money, but it's going in and compounding towards when something as simple as $20 compounded, you know, and even at a three or a four or 10% interest rate over, you know, twenty odd years, it grows pretty large. So it could it's definitely gonna provide a benefit.\n\nI would continue doing it most definitely. Yeah. Yeah. Beautiful. No.\n\nAll good. The other thing I just wanted to run through now last time we spoke, Troy, I'm not sure if this is still the same, but last time we spoke, we obviously tried to do to get life and TPD and income protection for you last year, but we weren't able to because of the cerebral palsy. The insurers aren't offering any kind of disability cover because of it. So you asked me to see if I could go back and just get some life cover. So in the event that you would have passed away, you would have cover for 500,000, and that covers both of your mortgages.\n\nSo I did go back, and I've done a lot of research around that in the past few months to find out what's gonna be offered. And it looks like Ascender are gonna offer life cover only for the 500,000. We did put to them that you do have cerebral palsy, and they've said as long as there's no cognitive issues, there's there's not a problem at all. They don't see any issue with that. So it's basically coming back that you can have a life only to with a benefit amount of 500,000 to be paid out of your super funds.\n\nSo you're not having to pay the premiums out of your back pocket. And it's estimated to cost about $296 pay for the first year. So only a very little cost. If you sort of break that down to a weekly amount, it's about about $5.69 per week to give you $500 500,000 worth of life cover. Okay?\n\nThat is the first year. It does get more and more expensive, so it does increase every year as you get older and older. But it's only in it's generally only at very small increments. That normally increases by between two to 5% depending on their increasing each year. But we review the level of cover with you.\n\nSo if it increases next year and you go, hey. That's a bit too expensive, we can always reduce it back a little bit. But along with the increase in price, the amount is also indexed. So, like, if you, you know, hold this cover for the next sort of five years, it'll go from $500,000 worth of cover to maybe $550,000 worth of cover. So the benefit amount that you're covered for is also indexed and increases along sorry, with the policy increase as well.\n\nDoes that make sense? Yes. Beautiful. So I have made the recommendation in there for you to apply for that life cover. I've got the information in there in the best interest.\n\nEssentially, they're not gonna give us any TBD or income protection, and we're not looking at any additional cover outside of super at the moment. You were just happy to look at license if you could get those two mortgages covered, essentially. So feel free to have a bit of a read through that. The benefit to having it paid out of your super is that you don't have to pay the premiums out of your back pocket. And I know life is beyond expensive at the moment.\n\nI'm just feeling gross. The loan's been costing us all a fortune. So, essentially, you know, being able to pay for that premium out of your super means you don't have to pay for that out of your back pocket. It means that the premium is deducted once a year from, essentially, your super fund, and we wanna make sure your super fund is growing enough to make sure that con the to make that premium paid and covered as well as all the other fees that are paid as well. There is obviously the disadvantage as it the sorry.\n\nThe disadvantage there that it is paid out of your super. So having insurances that are paid out of your super and because they do get more expensive over time, it can provide a bit of a disadvantage or it can affect how much you have in super at the end of the day. But that's why you do have us here. You and I'll review the level of cover you have it here. You can let me know how whether it's too expensive, whether you don't want it anymore, or whether you, you know, think you just wanna pull the cover back, and we can keep altering that life cover as needed.\n\nRealistically, once you've paid your mortgages off and you own the properties and your super balance is nice and big, you shouldn't need any life cover. So there should be a point when we can essentially cancel that life cover and, you know, you retire debt free and with a lovely super balance at the end of the day as well. Yeah. All good. Yeah.\n\nOh, good. All good. All good. Yeah. When you do sorry?\n\nYes. What I would like you to do is have a bit of a read through it after. Let me know if you do happen to have any questions. With applying for just a life cover, I know Karen is your beneficiary on your hub twenty four super, and that's the way you wanted it. So I've made a recommendation that when we apply for life cover, we do also apply the beneficiary.\n\nSo in the event of passing, Karen gets the money to be able to pay off the mortgages and make things a bit easier for her. And I always sort of suggest to people as well, make sure that you let your beneficiary know that you we do look after your super just so in the event that something happens, she knows to call us, and we will help her with the claim. It's just something I have come across in the past where clients have passed away and haven't kinda given any of their beneficiaries the information. And then six months later, they've called us going, hey. What's going on?\n\nWho are you? And we kind of have to go through the claim a few a few months down the track, and it's been a hard time for the family. So it's just something I like to kind of bring up and make sure that everyone's sort of aware of what's happening and where your super is and that you do have a financial adviser that helps you with it just so they know who to call and what to do in the event of something occurring. Okay? Easy.\n\nIn the document, when you do get a chance to read it over, I've got the advantages, the disadvantages, the risks involved of all the strategies there for you. I've also got the best interest duty there, which essentially links it back to your goal, and I'll let you know why the recommendations are in your best interest to go forward with. And I've also got your assets and liabilities as per our last conversation, so feel free to run your eyes over those. If you think they need to be updated in the back end, feel free to let me know, and we'll make sure that we do a catch up with you in about six months. Does that sound okay?\n\nYep. Beautiful. You're right. Sorry. Yeah.\n\nAbsolutely. Yeah. Absolutely. Once it comes back to me, I'll download it, and I'll email you a separate copy. Not a problem at all.\n\nYou're good. That's okay. It's a bit hard on the phone. That's okay. What's it sort of telling you?\n\nIs there anything specific it's asking or it's saying at the moment? No. There might be a little text box on the back there as well, and it might have a you might just need to put NA or is it is it a little text box there at all that's asking you for something? Yeah. That's okay.\n\nIf you get stuck, let me know. And, yeah, once it comes through, I'll I'll make sure I download it and send you a copy. Okay? No worries, Troy. If you do find you have any questions, let me know.\n\nI'm more than happy to help, and I'll get on the hub twenty four and find out if they can re email you the login information. Okay? No worries. Thanks so much. Talk to you soon.\n\nSee you later. You too. Thanks, Joy. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Troy.","start":2.56,"end":3.28,"sentiment":"neutral","sentiment_score":0.17058324068784714},{"text":"It's Dana from OB Financial.","start":3.28,"end":5.06,"sentiment":"neutral","sentiment_score":0.20867106914520264},{"text":"How are you today?","start":5.2,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.29552170634269714},{"text":"That's good.","start":8.639999,"end":9.36,"sentiment":"positive","sentiment_score":0.6650145351886749},{"text":"How's your day been?","start":9.36,"end":10.58,"sentiment":"positive","sentiment_score":0.3736616149544716}],"sentiment":"neutral","sentiment_score":0.3171343636863372,"num_words":17,"start":2.56,"end":10.58},{"sentences":[{"text":"Yeah.","start":14.945001,"end":15.445001,"sentiment":"neutral","sentiment_score":0.26405736804008484},{"text":"All good.","start":15.745001,"end":16.565,"sentiment":"positive","sentiment_score":0.42874446511268616},{"text":"Look.","start":17.025,"end":17.185001,"sentiment":"neutral","sentiment_score":0.27654123306274414},{"text":"I just had you booked in to go through an updated statement of advice for you.","start":17.185001,"end":20.945,"sentiment":"neutral","sentiment_score":0.19056467898190022},{"text":"We've made some changes to updated recommendations.","start":20.945,"end":23.205,"sentiment":"neutral","sentiment_score":0.17849856402192796}],"sentiment":"neutral","sentiment_score":0.21098564234044817,"num_words":27,"start":14.945001,"end":23.205},{"sentences":[{"text":"Is now still a good time?","start":23.505001,"end":25.045,"sentiment":"neutral","sentiment_score":0.14398696397741637},{"text":"Yep.","start":26.76,"end":27.26,"sentiment":"neutral","sentiment_score":0.24071255326271057},{"text":"Fabulous.","start":27.560001,"end":28.060001,"sentiment":"positive","sentiment_score":0.6186157464981079},{"text":"All good.","start":28.36,"end":29.1,"sentiment":"positive","sentiment_score":0.41765475273132324},{"text":"Do you happen to have access to your emails?","start":29.4,"end":31.400002,"sentiment":"neutral","sentiment_score":0.06809706158108181}],"sentiment":"neutral","sentiment_score":0.1669175338588263,"num_words":19,"start":23.505001,"end":31.400002},{"sentences":[{"text":"If you don't, that's absolutely fine.","start":31.400002,"end":33.16,"sentiment":"neutral","sentiment_score":0.0809478343774875},{"text":"I can run through it and send it to you after.","start":33.16,"end":35.24,"sentiment":"neutral","sentiment_score":0.12500479072332382},{"text":"What would you prefer?","start":35.24,"end":36.3,"sentiment":"neutral","sentiment_score":0.028233426623046398},{"text":"That's okay.","start":40.995,"end":41.795002,"sentiment":"neutral","sentiment_score":0.07647018879652023},{"text":"Not a problem.","start":41.795002,"end":42.695,"sentiment":"neutral","sentiment_score":0.16981525222460428}],"sentiment":"neutral","sentiment_score":0.10138690557617408,"num_words":26,"start":31.400002,"end":42.695},{"sentences":[{"text":"I'll run through the recommendations for you, give you a bit of an update on the parts that I need to, and then you're welcome to have a bit of a look at it later.","start":42.995,"end":50.195,"sentiment":"neutral","sentiment_score":0.16451392365353448},{"text":"If you find you have questions, you're welcome to let me know.","start":50.195,"end":53.155,"sentiment":"neutral","sentiment_score":0.12774051974217096},{"text":"Okay?","start":53.155,"end":53.655,"sentiment":"neutral","sentiment_score":0.11000676453113556},{"text":"Excellent.","start":56.08,"end":56.56,"sentiment":"positive","sentiment_score":0.545346736907959},{"text":"Now I'm sending you through your email there, the1@msn.com.","start":56.56,"end":60.32,"sentiment":"neutral","sentiment_score":0.19920025600327385}],"sentiment":"neutral","sentiment_score":0.16791429948703995,"num_words":58,"start":42.995,"end":60.32},{"sentences":[{"text":"That's still the same email?","start":60.32,"end":61.620003,"sentiment":"neutral","sentiment_score":0.08710700869560242},{"text":"Fantastic.","start":63.68,"end":64.18,"sentiment":"positive","sentiment_score":0.4496116042137146},{"text":"And I'll just do security with you and just confirm before we jump into the call, we do record our calls for quality and training purposes.","start":64.88,"end":71.255,"sentiment":"neutral","sentiment_score":0.22123749554157257},{"text":"Are you happy for me to proceed with that?","start":71.255,"end":73.355,"sentiment":"neutral","sentiment_score":0.23214672009150186},{"text":"Yeah.","start":74.935,"end":75.435,"sentiment":"neutral","sentiment_score":0.05296977609395981}],"sentiment":"neutral","sentiment_score":0.20903837592119262,"num_words":42,"start":60.32,"end":75.435},{"sentences":[{"text":"So I'll be listening.","start":75.495,"end":76.295,"sentiment":"neutral","sentiment_score":0.0629605045542121},{"text":"I'll just do a quick security check there with you.","start":76.295,"end":78.295,"sentiment":"neutral","sentiment_score":0.0852640338242054},{"text":"Just need to confirm your full name, date of birth, and address that you have on file there for you, Troy.","start":78.295,"end":83.115,"sentiment":"neutral","sentiment_score":0.089615586435511},{"text":"Yep.","start":88.909996,"end":89.409996,"sentiment":"neutral","sentiment_score":0.0354074090719223},{"text":"That's okay.","start":101.715,"end":102.275,"sentiment":"neutral","sentiment_score":0.057593684643507}],"sentiment":"neutral","sentiment_score":0.08255274868325184,"num_words":38,"start":75.495,"end":102.275},{"sentences":[{"text":"That's okay.","start":102.275,"end":102.835,"sentiment":"neutral","sentiment_score":0.16395002603530884},{"text":"You did awesome.","start":102.835,"end":103.635,"sentiment":"positive","sentiment_score":0.6314288377761841},{"text":"Thank you so much for that.","start":103.635,"end":105.255,"sentiment":"positive","sentiment_score":0.7271667619546255},{"text":"You've got a lot going on.","start":106.115,"end":107.735,"sentiment":"positive","sentiment_score":0.5592301140228907},{"text":"Oh, beautiful.","start":114.71001,"end":115.43,"sentiment":"positive","sentiment_score":0.40804654359817505}],"sentiment":"positive","sentiment_score":0.5661400478137167,"num_words":19,"start":102.275,"end":115.43},{"sentences":[{"text":"That's okay.","start":115.43,"end":115.990005,"sentiment":"neutral","sentiment_score":0.15583131462335587},{"text":"Did you wanna look at the document, or did you wanna have us look at it later?","start":115.990005,"end":119.350006,"sentiment":"neutral","sentiment_score":0.06297275292522767},{"text":"What's your preference?","start":119.350006,"end":120.490005,"sentiment":"neutral","sentiment_score":0.04435783500472704},{"text":"Yeah.","start":125.345,"end":125.845,"sentiment":"neutral","sentiment_score":0.11516638845205308},{"text":"Absolutely.","start":125.985,"end":126.485,"sentiment":"neutral","sentiment_score":0.22216960787773132}],"sentiment":"neutral","sentiment_score":0.07719203876331449,"num_words":24,"start":115.43,"end":126.485},{"sentences":[{"text":"Not an issue at all.","start":127.905,"end":129.285,"sentiment":"neutral","sentiment_score":0.11542166545987129},{"text":"So, Troy, after our last call, I've gone back and had a really good look at your file, gone through, and just sort of, you know, updated the investment switch there.","start":129.825,"end":138.39,"sentiment":"neutral","sentiment_score":0.19520072050152287},{"text":"We're essentially having a look at your investments.","start":138.63,"end":141.19,"sentiment":"neutral","sentiment_score":0.0014699571765959263},{"text":"It looks like one or two of them are underperforming a little bit there at the moment with what's been happening in the market.","start":141.19,"end":146.81,"sentiment":"neutral","sentiment_score":-0.29281904951979715},{"text":"So I have made a bit of a recommendation to make some changes to your investments, but still keeping you in that high growth environment, which is where you're comfortable being for the time being.","start":146.87,"end":157.795,"sentiment":"neutral","sentiment_score":0.1863568793450083}],"sentiment":"neutral","sentiment_score":0.05956236804717953,"num_words":103,"start":127.905,"end":157.795},{"sentences":[{"text":"And because you don't wanna retire to the age of 60 65 there at the moment, that's still fine and appropriate for you.","start":157.795,"end":166.295,"sentiment":"neutral","sentiment_score":0.007871151294397272},{"text":"So what I am recommending there for you, Troy, is that we are going to just rebalance some of your portfolio.","start":166.81,"end":173.23001,"sentiment":"neutral","sentiment_score":0.30965694856076015},{"text":"So we'll sell off a little bit of the battery of lithium taxes, bringing it back to 5%.","start":173.53,"end":178.75,"sentiment":"neutral","sentiment_score":0.1372255240049627},{"text":"We're going to buy a little bit more of cybersecurity.","start":179.72499,"end":182.545,"sentiment":"neutral","sentiment_score":0.20197870284318925},{"text":"It has taken a bit of a dip recently.","start":182.845,"end":184.86499,"sentiment":"neutral","sentiment_score":0.1367170943154229}],"sentiment":"neutral","sentiment_score":0.15313744085070527,"num_words":81,"start":157.795,"end":184.86499},{"sentences":[{"text":"So buying a bit now means we're buying into the dip, which is a positive.","start":185.245,"end":188.86499,"sentiment":"positive","sentiment_score":0.4046621203422546},{"text":"We're going to just sort of rebalance the Asia and Europe and The US equities there for you a little bit.","start":190.045,"end":196.54999,"sentiment":"neutral","sentiment_score":0.27531372507413227},{"text":"We're also gonna rebalance the Nasdaq.","start":197.01,"end":199.19,"sentiment":"neutral","sentiment_score":0.14712133755286536},{"text":"You've got some robotics and AI still keeping it, but just rebalancing a little bit.","start":199.25,"end":203.745,"sentiment":"neutral","sentiment_score":0.09348447322845459},{"text":"And then also, you've got your Bennelong Australian equities in there.","start":204.14499,"end":208.065,"sentiment":"neutral","sentiment_score":-0.0019473302686078982}],"sentiment":"neutral","sentiment_score":0.20757491944823414,"num_words":68,"start":185.245,"end":208.065},{"sentences":[{"text":"So Bennelong has actually been underperforming very heavily over the past few months, so we're gonna sell that off completely and remove that.","start":208.065,"end":216.385,"sentiment":"neutral","sentiment_score":-0.215287280957336},{"text":"We've evaluated that as an investment, and it's no longer a good investment to have.","start":216.385,"end":221.37999,"sentiment":"neutral","sentiment_score":-0.2845601499080658},{"text":"So we're going to remove that from your portfolio completely and put you into the beta says 8,200.","start":221.37999,"end":228.28,"sentiment":"neutral","sentiment_score":-0.017447030999594264},{"text":"So it's still giving you exposure into the Australian market.","start":228.42,"end":232.36,"sentiment":"neutral","sentiment_score":0.18030382245779036},{"text":"It's actually giving you more diversification, which can help to reduce the risk of your portfolio.","start":232.655,"end":237.315,"sentiment":"neutral","sentiment_score":0.26818772219121456}],"sentiment":"neutral","sentiment_score":-0.04195139620725701,"num_words":82,"start":208.065,"end":237.315},{"sentences":[{"text":"But when we look at the changes that are being made, the adding beta share as the a 200 into there actually is cheaper for you.","start":238.175,"end":247.875,"sentiment":"neutral","sentiment_score":0.15002812875004914},{"text":"So by making these changes, it saves you about $498 for the year on investment fees.","start":248.48999,"end":254.48999,"sentiment":"positive","sentiment_score":0.5261447229422629},{"text":"So it makes your portfolio cheaper, save you on fees, and it's actually performed a lot better than what your current portfolio has been.","start":254.48999,"end":264.685,"sentiment":"positive","sentiment_score":0.7123872203131517},{"text":"So we wanted to make the switch, rebalance things a little bit, make sure you're not overexposed to risk in the current climate that we're seeing, but also make sure that your portfolio is being performing well and that it has that it can perform just as well in the future.","start":264.685,"end":281.04,"sentiment":"positive","sentiment_score":0.40019816255160406},{"text":"Does that make sense?","start":281.1,"end":282.24002,"sentiment":"neutral","sentiment_score":0.17923729494214058}],"sentiment":"positive","sentiment_score":0.41771401381812806,"num_words":121,"start":238.175,"end":282.24002},{"sentences":[{"text":"Yep.","start":283.90002,"end":284.40002,"sentiment":"positive","sentiment_score":0.4307863414287567},{"text":"Beautiful.","start":284.46002,"end":284.96002,"sentiment":"positive","sentiment_score":0.6232844591140747},{"text":"Essentially, the newer portfolios average the higher rate of return.","start":286.255,"end":289.535,"sentiment":"positive","sentiment_score":0.4757031679153442},{"text":"And when you look at the document there, you'll see some updated projections.","start":289.535,"end":292.675,"sentiment":"neutral","sentiment_score":0.315474102130303},{"text":"But over the next ten years, you'll see it can provide you with a greater level of if, you know, if the market's performed the way it has, it can provide you with a greater projection than what your current portfolio has.","start":292.815,"end":304.34998,"sentiment":"positive","sentiment_score":0.4269212576605025}],"sentiment":"positive","sentiment_score":0.4155665467034525,"num_words":67,"start":283.90002,"end":304.34998},{"sentences":[{"text":"So we do wanna keep watching and monitoring that, and we'll make sure that we keep reviewing this with you every year as well.","start":304.34998,"end":311.16998,"sentiment":"neutral","sentiment_score":0.21063360075155893},{"text":"Okay?","start":311.22998,"end":311.72998,"sentiment":"neutral","sentiment_score":0.05998760834336281},{"text":"Yeah.","start":315.165,"end":315.565,"sentiment":"neutral","sentiment_score":-0.005484605208039284},{"text":"So yeah.","start":315.565,"end":317.165,"sentiment":"neutral","sentiment_score":-0.008130203932523727},{"text":"Sorry.","start":317.165,"end":317.665,"sentiment":"neutral","sentiment_score":-0.012573123909533024}],"sentiment":"neutral","sentiment_score":0.17520261687579855,"num_words":29,"start":304.34998,"end":317.665},{"sentences":[{"text":"Yeah.","start":322.445,"end":322.845,"sentiment":"neutral","sentiment_score":0.014972089789807796},{"text":"Yeah.","start":322.845,"end":323.345,"sentiment":"neutral","sentiment_score":0.02958100661635399},{"text":"Absolutely.","start":323.805,"end":324.305,"sentiment":"neutral","sentiment_score":0.04196565970778465},{"text":"Did you want a catch up once every three months or six months?","start":325.085,"end":328.5,"sentiment":"neutral","sentiment_score":0.026111129957896013},{"text":"Or how how often would you kind of prefer a review?","start":328.5,"end":331.64,"sentiment":"neutral","sentiment_score":0.0144641473042694}],"sentiment":"neutral","sentiment_score":0.02166922466346511,"num_words":27,"start":322.445,"end":331.64},{"sentences":[{"text":"Six months?","start":334.66,"end":335.48,"sentiment":"neutral","sentiment_score":-0.019962677732110023},{"text":"That's okay.","start":339.54,"end":340.36002,"sentiment":"neutral","sentiment_score":-0.017033432610332966},{"text":"Yeah.","start":341.635,"end":342.115,"sentiment":"neutral","sentiment_score":0.04372001066803932},{"text":"Not a problem.","start":342.115,"end":342.835,"sentiment":"neutral","sentiment_score":0.11831791698932648},{"text":"I'll put it down here that you wanna a bit of a catch up every six months for you, and we'll make sure in six months' time, we book you back in for a bit of a catch up to see how things are tracking easily.","start":342.835,"end":353.015,"sentiment":"neutral","sentiment_score":0.15375367552042007}],"sentiment":"neutral","sentiment_score":0.13698797434982327,"num_words":54,"start":334.66,"end":353.015},{"sentences":[{"text":"Yeah.","start":360.03,"end":360.43,"sentiment":"neutral","sentiment_score":0.04824736341834068},{"text":"Absolutely.","start":360.43,"end":360.93,"sentiment":"neutral","sentiment_score":0.05912679433822632},{"text":"So yeah.","start":362.03,"end":367.47,"sentiment":"neutral","sentiment_score":0.04209236800670624},{"text":"Absolutely.","start":367.47,"end":367.97,"sentiment":"neutral","sentiment_score":0.09577160328626633},{"text":"So let me just pull up your last review documents just to see where things were when we last caught up there.","start":368.43,"end":374.045,"sentiment":"neutral","sentiment_score":0.11256378042426976}],"sentiment":"neutral","sentiment_score":0.10236050616259929,"num_words":27,"start":360.03,"end":374.045},{"sentences":[{"text":"That way we can give you a bit of a comparison.","start":374.585,"end":376.605,"sentiment":"neutral","sentiment_score":0.11849035322666168},{"text":"And you're in a hub.","start":380.825,"end":382.20502,"sentiment":"neutral","sentiment_score":0.011819036304950714},{"text":"Sorry.","start":388.68,"end":388.92,"sentiment":"neutral","sentiment_score":-0.03584519028663635},{"text":"It won't be a second.","start":388.92,"end":389.80002,"sentiment":"neutral","sentiment_score":-0.06546113342046737},{"text":"My computer's a little bit slow.","start":389.80002,"end":391.74,"sentiment":"neutral","sentiment_score":-0.1537161519130071}],"sentiment":"neutral","sentiment_score":0.0027514749339648654,"num_words":28,"start":374.585,"end":391.74},{"sentences":[{"text":"Yeah.","start":397.165,"end":397.48502,"sentiment":"neutral","sentiment_score":-0.01400794181972742},{"text":"Yeah.","start":397.48502,"end":397.725,"sentiment":"neutral","sentiment_score":0.002263735979795456},{"text":"On the Gold Coast.","start":397.725,"end":398.525,"sentiment":"neutral","sentiment_score":0.005715112667530775},{"text":"Yeah.","start":398.525,"end":398.765,"sentiment":"neutral","sentiment_score":0.02248285710811615},{"text":"It's raining here at the moment.","start":398.765,"end":400.065,"sentiment":"neutral","sentiment_score":-0.08903967154522736}],"sentiment":"neutral","sentiment_score":-0.038510686717927456,"num_words":13,"start":397.165,"end":400.065},{"sentences":[{"text":"Horrible and wet.","start":400.365,"end":401.425,"sentiment":"negative","sentiment_score":-0.7097261150677999},{"text":"Oh, really?","start":405.165,"end":405.905,"sentiment":"neutral","sentiment_score":-0.26143384724855423},{"text":"Seems to be everywhere.","start":406.605,"end":407.825,"sentiment":"negative","sentiment_score":-0.4287048354744911},{"text":"Can't win at the moment with that weather.","start":408.22,"end":409.9,"sentiment":"negative","sentiment_score":-0.5801908224821091},{"text":"It's been raining all week on and off.","start":409.9,"end":411.74,"sentiment":"negative","sentiment_score":-0.40116292238235474}],"sentiment":"negative","sentiment_score":-0.4887078136205673,"num_words":25,"start":400.365,"end":411.74},{"sentences":[{"text":"It's been a bit crazy.","start":411.74,"end":412.96,"sentiment":"negative","sentiment_score":-0.4955532789230347},{"text":"Yep.","start":416.06,"end":416.56,"sentiment":"neutral","sentiment_score":-0.026870157569646835},{"text":"Yeah.","start":417.18,"end":417.68,"sentiment":"neutral","sentiment_score":-0.047646865248680115},{"text":"No.","start":418.7,"end":419.18,"sentiment":"neutral","sentiment_score":-0.1391650140285492},{"text":"All good.","start":419.18,"end":419.91998,"sentiment":"neutral","sentiment_score":0.020970039069652557}],"sentiment":"neutral","sentiment_score":-0.2649508353322744,"num_words":10,"start":411.74,"end":419.91998},{"sentences":[{"text":"Yep.","start":422.915,"end":423.415,"sentiment":"neutral","sentiment_score":-0.09587522596120834},{"text":"Oh, can't you?","start":428.195,"end":429.575,"sentiment":"neutral","sentiment_score":-0.1149771437048912},{"text":"Okay.","start":429.635,"end":430.135,"sentiment":"neutral","sentiment_score":-0.043989989906549454},{"text":"Did you want me to get them to resend or send, like, a new email to you or send a new card to see if you can get in?","start":430.435,"end":439.69,"sentiment":"neutral","sentiment_score":-0.08252204132491145},{"text":"Yes?","start":444.15,"end":444.65,"sentiment":"neutral","sentiment_score":-0.045931100845336914}],"sentiment":"neutral","sentiment_score":-0.08353905560714858,"num_words":35,"start":422.915,"end":444.65},{"sentences":[{"text":"That's okay.","start":446.32498,"end":446.965,"sentiment":"neutral","sentiment_score":0.08445843122899532},{"text":"I'll contact 24 and find out what they can do to help you there.","start":446.965,"end":451.305,"sentiment":"neutral","sentiment_score":0.09236829674669675},{"text":"Sorry to Yep.","start":458.88498,"end":467.57,"sentiment":"neutral","sentiment_score":-0.04220085218548775},{"text":"Yeah.","start":467.57,"end":468.07,"sentiment":"neutral","sentiment_score":0.04315563663840294},{"text":"Yeah.","start":468.13,"end":468.63,"sentiment":"neutral","sentiment_score":0.0537635050714016}],"sentiment":"neutral","sentiment_score":0.06820902866976601,"num_words":21,"start":446.32498,"end":468.63},{"sentences":[{"text":"Yeah.","start":469.01,"end":469.33002,"sentiment":"neutral","sentiment_score":0.1017121970653534},{"text":"Absolutely.","start":469.33002,"end":469.83002,"sentiment":"neutral","sentiment_score":0.14505398273468018},{"text":"Yeah.","start":470.37,"end":470.87,"sentiment":"neutral","sentiment_score":0.0939820110797882},{"text":"So having a look at your balance at the moment, I'm just pulling up a report to see where it was last year.","start":471.49002,"end":479.145,"sentiment":"neutral","sentiment_score":0.020388385928843334},{"text":"But the balance in the advice document we have, there is a hun a 150,148, and your balance as of today is slightly higher.","start":479.145,"end":488.28497,"sentiment":"neutral","sentiment_score":-0.06931397458538413}],"sentiment":"neutral","sentiment_score":-0.017077086456120015,"num_words":50,"start":469.01,"end":488.28497},{"sentences":[{"text":"So yeah, so your balance as of today, we're currently sitting at where are we?","start":488.745,"end":498.79,"sentiment":"neutral","sentiment_score":0.018926415840784708},{"text":"Let's go back to the other screen.","start":500.05002,"end":502.31,"sentiment":"neutral","sentiment_score":-0.00601909908332995},{"text":"Sorry.","start":502.775,"end":502.855,"sentiment":"neutral","sentiment_score":-0.05341725051403046},{"text":"I'm just pulling up for a quick report, but also kinda jumping back through the screens to grab the information for you.","start":502.855,"end":508.95502,"sentiment":"neutral","sentiment_score":-0.0009775874628262086},{"text":"There we go.","start":509.815,"end":510.715,"sentiment":"neutral","sentiment_score":0.25416234135627747}],"sentiment":"neutral","sentiment_score":0.019360945695855964,"num_words":48,"start":488.745,"end":510.715},{"sentences":[{"text":"Okay.","start":519.06,"end":519.54,"sentiment":"neutral","sentiment_score":0.15329071879386902},{"text":"So the balance in the account as of today, we've got a 150,289 in there.","start":519.54,"end":525.62,"sentiment":"neutral","sentiment_score":0.1251537059744199},{"text":"So it has gone up since we did the advice document up.","start":525.62,"end":529.4,"sentiment":"neutral","sentiment_score":0.1320391713331143},{"text":"And in the last twelve months there, the portfolio, Walter, is up because of what's been happening in the markets this year and with Benelon being down a little bit.","start":529.925,"end":539.925,"sentiment":"neutral","sentiment_score":-0.05082058651993672},{"text":"You still got a positive return of 3.3%, but it is a much smaller positive return than we would like.","start":539.925,"end":547.80005,"sentiment":"neutral","sentiment_score":0.19133808575570582}],"sentiment":"neutral","sentiment_score":0.0758616728708148,"num_words":78,"start":519.06,"end":547.80005},{"sentences":[{"text":"But you are definitely up from this from this same time last year.","start":548.42004,"end":552.66003,"sentiment":"neutral","sentiment_score":0.28920676158024716},{"text":"So twelve months ago, you had a balance of about 136,000, and so now you're up to 150.","start":552.66003,"end":561.49506,"sentiment":"neutral","sentiment_score":0.1326322007096476},{"text":"Yeah.","start":561.635,"end":562.135,"sentiment":"neutral","sentiment_score":0.13137799501419067},{"text":"Yeah.","start":564.67505,"end":565.17505,"sentiment":"neutral","sentiment_score":0.3316470980644226},{"text":"All good.","start":565.23505,"end":566.05505,"sentiment":"positive","sentiment_score":0.608137309551239}],"sentiment":"neutral","sentiment_score":0.2236104921570846,"num_words":35,"start":548.42004,"end":566.05505},{"sentences":[{"text":"The Mhmm.","start":567.79504,"end":590.685,"sentiment":"neutral","sentiment_score":0.11044465750455856},{"text":"The contributions going in from CremSafe?","start":593.865,"end":596.20496,"sentiment":"neutral","sentiment_score":0.026275035925209522},{"text":"Yep.","start":598.105,"end":598.425,"sentiment":"neutral","sentiment_score":0.07713010162115097},{"text":"Yeah.","start":598.425,"end":598.745,"sentiment":"neutral","sentiment_score":0.08761149644851685},{"text":"We see that.","start":598.745,"end":599.545,"sentiment":"neutral","sentiment_score":0.1227876568833987}],"sentiment":"neutral","sentiment_score":0.07012646917540294,"num_words":13,"start":567.79504,"end":599.545},{"sentences":[{"text":"Absolutely.","start":599.545,"end":600.045,"sentiment":"neutral","sentiment_score":0.2251547574996948},{"text":"Yeah.","start":600.425,"end":600.665,"sentiment":"neutral","sentiment_score":0.20090678334236145},{"text":"They're going in every week.","start":600.665,"end":603.21,"sentiment":"neutral","sentiment_score":0.2089625209569931},{"text":"You've still got your employer contributions and your sales stack going in there as well.","start":603.21,"end":608.33,"sentiment":"neutral","sentiment_score":0.20283042887846628},{"text":"It's all going in properly.","start":608.33,"end":609.79,"sentiment":"neutral","sentiment_score":0.12934487015008928}],"sentiment":"neutral","sentiment_score":0.19111314553905417,"num_words":27,"start":599.545,"end":609.79},{"sentences":[{"text":"Yeah.","start":615.385,"end":615.705,"sentiment":"neutral","sentiment_score":0.06929586827754974},{"text":"Yeah.","start":615.705,"end":615.865,"sentiment":"neutral","sentiment_score":0.07337518036365509},{"text":"We see all that in there.","start":615.865,"end":617.465,"sentiment":"neutral","sentiment_score":0.09090662623445193},{"text":"Yeah.","start":617.465,"end":617.965,"sentiment":"neutral","sentiment_score":0.06770308315753937},{"text":"Yep.","start":634.52997,"end":635.02997,"sentiment":"neutral","sentiment_score":0.03782941401004791}],"sentiment":"neutral","sentiment_score":0.07936433032155037,"num_words":10,"start":615.385,"end":635.02997},{"sentences":[{"text":"That's the $25 every week, I believe.","start":644.455,"end":648.395,"sentiment":"neutral","sentiment_score":0.07063530066183635},{"text":"Yep.","start":649.975,"end":650.475,"sentiment":"neutral","sentiment_score":0.03733266144990921},{"text":"Yeah.","start":651.815,"end":652.315,"sentiment":"neutral","sentiment_score":0.03334014117717743},{"text":"Yeah.","start":652.535,"end":652.935,"sentiment":"neutral","sentiment_score":0.04463127255439758},{"text":"It's still going in there.","start":652.935,"end":654.535,"sentiment":"neutral","sentiment_score":0.05247197672724724}],"sentiment":"neutral","sentiment_score":0.05814073756337166,"num_words":15,"start":644.455,"end":654.535},{"sentences":[{"text":"Yeah.","start":654.535,"end":654.855,"sentiment":"neutral","sentiment_score":0.0840124860405922},{"text":"Absolutely.","start":654.855,"end":655.355,"sentiment":"neutral","sentiment_score":0.105475515127182},{"text":"I can see it every week.","start":655.495,"end":656.955,"sentiment":"neutral","sentiment_score":0.06823090588053067},{"text":"Yeah.","start":660.85,"end":661.35,"sentiment":"neutral","sentiment_score":0.09309102594852448},{"text":"Absolutely gonna benefit you.","start":663.00995,"end":664.52997,"sentiment":"positive","sentiment_score":0.3437572866678238}],"sentiment":"neutral","sentiment_score":0.15899950839005983,"num_words":13,"start":654.535,"end":664.52997},{"sentences":[{"text":"Yeah.","start":664.52997,"end":665.00995,"sentiment":"neutral","sentiment_score":0.2237110137939453},{"text":"So, essentially, it's going in as a salary sacrifice contribution.","start":665.00995,"end":668.38995,"sentiment":"neutral","sentiment_score":0.24550657719373703},{"text":"And so putting money in on a regular basis, even something as small as $25 every week, when you look at this between now to when you turn 65, that $25 being invested and compound into the market is a really beneficial thing.","start":669.97,"end":685.115,"sentiment":"neutral","sentiment_score":0.32698661331520523},{"text":"You're helping to sort of lower your tax rate a little bit because you're it's pretax money, but it's going in and compounding towards when something as simple as $20 compounded, you know, and even at a three or a four or 10% interest rate over, you know, twenty odd years, it grows pretty large.","start":685.76,"end":705.79504,"sentiment":"neutral","sentiment_score":0.2131498088890856},{"text":"So it could it's definitely gonna provide a benefit.","start":706.335,"end":708.835,"sentiment":"positive","sentiment_score":0.5339119335015615}],"sentiment":"neutral","sentiment_score":0.28192922075168564,"num_words":118,"start":664.52997,"end":708.835},{"sentences":[{"text":"I would continue doing it most definitely.","start":708.895,"end":711.23505,"sentiment":"positive","sentiment_score":0.5089316964149475},{"text":"Yeah.","start":713.7,"end":713.94,"sentiment":"neutral","sentiment_score":0.244392067193985},{"text":"Yeah.","start":713.94,"end":714.42004,"sentiment":"neutral","sentiment_score":0.1210913062095642},{"text":"Beautiful.","start":714.42004,"end":714.92004,"sentiment":"positive","sentiment_score":0.5379337072372437},{"text":"No.","start":715.30005,"end":715.78,"sentiment":"neutral","sentiment_score":0.1487135887145996}],"sentiment":"positive","sentiment_score":0.41951386766000226,"num_words":11,"start":708.895,"end":715.78},{"sentences":[{"text":"All good.","start":715.78,"end":716.44,"sentiment":"neutral","sentiment_score":0.3204859644174576},{"text":"The other thing I just wanted to run through now last time we spoke, Troy, I'm not sure if this is still the same, but last time we spoke, we obviously tried to do to get life and TPD and income protection for you last year, but we weren't able to because of the cerebral palsy.","start":716.9,"end":733.685,"sentiment":"neutral","sentiment_score":-0.020914441406992928},{"text":"The insurers aren't offering any kind of disability cover because of it.","start":733.685,"end":737.445,"sentiment":"neutral","sentiment_score":-0.1479740006228288},{"text":"So you asked me to see if I could go back and just get some life cover.","start":737.445,"end":741.84,"sentiment":"neutral","sentiment_score":0.005404358291450669},{"text":"So in the event that you would have passed away, you would have cover for 500,000, and that covers both of your mortgages.","start":741.84,"end":749.62,"sentiment":"neutral","sentiment_score":0.032211032007699425}],"sentiment":"neutral","sentiment_score":-0.013392699729989875,"num_words":110,"start":715.78,"end":749.62},{"sentences":[{"text":"So I did go back, and I've done a lot of research around that in the past few months to find out what's gonna be offered.","start":749.92,"end":756.875,"sentiment":"neutral","sentiment_score":0.11149337672843383},{"text":"And it looks like Ascender are gonna offer life cover only for the 500,000.","start":757.495,"end":763.755,"sentiment":"neutral","sentiment_score":0.07708390482834407},{"text":"We did put to them that you do have cerebral palsy, and they've said as long as there's no cognitive issues, there's there's not a problem at all.","start":764.33,"end":771.37,"sentiment":"neutral","sentiment_score":0.1168726324769003},{"text":"They don't see any issue with that.","start":771.37,"end":773.15,"sentiment":"neutral","sentiment_score":0.10231103322335652},{"text":"So it's basically coming back that you can have a life only to with a benefit amount of 500,000 to be paid out of your super funds.","start":774.01,"end":782.88495,"sentiment":"neutral","sentiment_score":0.23792510010578014}],"sentiment":"neutral","sentiment_score":0.14108422654224376,"num_words":102,"start":749.92,"end":782.88495},{"sentences":[{"text":"So you're not having to pay the premiums out of your back pocket.","start":782.88495,"end":785.545,"sentiment":"neutral","sentiment_score":0.1908297481445166},{"text":"And it's estimated to cost about $296 pay for the first year.","start":786.165,"end":791.61,"sentiment":"neutral","sentiment_score":0.168840691447258},{"text":"So only a very little cost.","start":791.61,"end":793.29,"sentiment":"neutral","sentiment_score":0.2359663595755895},{"text":"If you sort of break that down to a weekly amount, it's about about $5.69 per week to give you $500 500,000 worth of life cover.","start":793.29,"end":806.03503,"sentiment":"neutral","sentiment_score":0.15965048538950774},{"text":"Okay?","start":806.495,"end":806.995,"sentiment":"neutral","sentiment_score":0.0450165681540966}],"sentiment":"neutral","sentiment_score":0.17445866153414907,"num_words":58,"start":782.88495,"end":806.995},{"sentences":[{"text":"That is the first year.","start":809.455,"end":810.97504,"sentiment":"neutral","sentiment_score":-0.016075403615832328},{"text":"It does get more and more expensive, so it does increase every year as you get older and older.","start":810.97504,"end":816.675,"sentiment":"neutral","sentiment_score":-0.09369600975984022},{"text":"But it's only in it's generally only at very small increments.","start":817.29504,"end":820.115,"sentiment":"neutral","sentiment_score":-0.0005638605322350155},{"text":"That normally increases by between two to 5% depending on their increasing each year.","start":820.32996,"end":826.58997,"sentiment":"neutral","sentiment_score":-0.009310542339725154},{"text":"But we review the level of cover with you.","start":826.97,"end":829.13,"sentiment":"neutral","sentiment_score":0.02418723391989867}],"sentiment":"neutral","sentiment_score":-0.030680450980134052,"num_words":58,"start":809.455,"end":829.13},{"sentences":[{"text":"So if it increases next year and you go, hey.","start":829.13,"end":831.52997,"sentiment":"neutral","sentiment_score":-0.007260947301983833},{"text":"That's a bit too expensive, we can always reduce it back a little bit.","start":831.52997,"end":835.23,"sentiment":"neutral","sentiment_score":-0.11417196824082307},{"text":"But along with the increase in price, the amount is also indexed.","start":836.125,"end":840.305,"sentiment":"neutral","sentiment_score":0.05329777502144376},{"text":"So, like, if you, you know, hold this cover for the next sort of five years, it'll go from $500,000 worth of cover to maybe $550,000 worth of cover.","start":840.445,"end":850.92,"sentiment":"neutral","sentiment_score":0.09558923953566058},{"text":"So the benefit amount that you're covered for is also indexed and increases along sorry, with the policy increase as well.","start":850.92,"end":858.51996,"sentiment":"neutral","sentiment_score":0.16635569539808093}],"sentiment":"neutral","sentiment_score":0.06086178862511418,"num_words":86,"start":829.13,"end":858.51996},{"sentences":[{"text":"Does that make sense?","start":858.51996,"end":859.66,"sentiment":"neutral","sentiment_score":0.10452918708324432},{"text":"Yes.","start":861.645,"end":861.965,"sentiment":"neutral","sentiment_score":0.28458595275878906},{"text":"Beautiful.","start":861.965,"end":862.465,"sentiment":"positive","sentiment_score":0.6604335904121399},{"text":"So I have made the recommendation in there for you to apply for that life cover.","start":863.24506,"end":867.585,"sentiment":"positive","sentiment_score":0.38708485290408134},{"text":"I've got the information in there in the best interest.","start":867.965,"end":870.705,"sentiment":"neutral","sentiment_score":0.2505795627832413}],"sentiment":"neutral","sentiment_score":0.31444654893130064,"num_words":32,"start":858.51996,"end":870.705},{"sentences":[{"text":"Essentially, they're not gonna give us any TBD or income protection, and we're not looking at any additional cover outside of super at the moment.","start":871.24506,"end":878.13,"sentiment":"neutral","sentiment_score":0.007984917871654033},{"text":"You were just happy to look at license if you could get those two mortgages covered, essentially.","start":878.13,"end":882.87006,"sentiment":"neutral","sentiment_score":0.19664728334721396},{"text":"So feel free to have a bit of a read through that.","start":883.97003,"end":886.45,"sentiment":"neutral","sentiment_score":0.2045260580877463},{"text":"The benefit to having it paid out of your super is that you don't have to pay the premiums out of your back pocket.","start":886.45,"end":892.58496,"sentiment":"neutral","sentiment_score":0.31562646602590877},{"text":"And I know life is beyond expensive at the moment.","start":892.58496,"end":895.325,"sentiment":"neutral","sentiment_score":-0.324829962849617}],"sentiment":"neutral","sentiment_score":0.11731448882809756,"num_words":88,"start":871.24506,"end":895.325},{"sentences":[{"text":"I'm just feeling gross.","start":895.865,"end":896.90497,"sentiment":"negative","sentiment_score":-0.5138318911194801},{"text":"The loan's been costing us all a fortune.","start":896.90497,"end":899.08496,"sentiment":"negative","sentiment_score":-0.51121786236763},{"text":"So, essentially, you know, being able to pay for that premium out of your super means you don't have to pay for that out of your back pocket.","start":900.90497,"end":908.02997,"sentiment":"neutral","sentiment_score":0.2290599194488355},{"text":"It means that the premium is deducted once a year from, essentially, your super fund, and we wanna make sure your super fund is growing enough to make sure that con the to make that premium paid and covered as well as all the other fees that are paid as well.","start":908.02997,"end":922.535,"sentiment":"neutral","sentiment_score":0.24173242350419363},{"text":"There is obviously the disadvantage as it the sorry.","start":923.555,"end":928.215,"sentiment":"neutral","sentiment_score":-0.2557949771483739}],"sentiment":"neutral","sentiment_score":0.10294806085526943,"num_words":100,"start":895.865,"end":928.215},{"sentences":[{"text":"The disadvantage there that it is paid out of your super.","start":928.275,"end":931.97003,"sentiment":"neutral","sentiment_score":-0.246641068295999},{"text":"So having insurances that are paid out of your super and because they do get more expensive over time, it can provide a bit of a disadvantage or it can affect how much you have in super at the end of the day.","start":931.97003,"end":943.67,"sentiment":"neutral","sentiment_score":-0.24046746970609176},{"text":"But that's why you do have us here.","start":944.105,"end":945.865,"sentiment":"neutral","sentiment_score":-0.028598805889487267},{"text":"You and I'll review the level of cover you have it here.","start":945.865,"end":949.165,"sentiment":"neutral","sentiment_score":0.0629427017023166},{"text":"You can let me know how whether it's too expensive, whether you don't want it anymore, or whether you, you know, think you just wanna pull the cover back, and we can keep altering that life cover as needed.","start":949.225,"end":959.245,"sentiment":"neutral","sentiment_score":-0.03907357175380756}],"sentiment":"neutral","sentiment_score":-0.12434071038676574,"num_words":113,"start":928.275,"end":959.245},{"sentences":[{"text":"Realistically, once you've paid your mortgages off and you own the properties and your super balance is nice and big, you shouldn't need any life cover.","start":960.28,"end":968.28,"sentiment":"neutral","sentiment_score":0.02707569902906051},{"text":"So there should be a point when we can essentially cancel that life cover and, you know, you retire debt free and with a lovely super balance at the end of the day as well.","start":968.28,"end":977.075,"sentiment":"neutral","sentiment_score":-0.052666522243193216},{"text":"Yeah.","start":979.455,"end":979.955,"sentiment":"neutral","sentiment_score":0.21175755560398105},{"text":"All good.","start":980.255,"end":980.995,"sentiment":"positive","sentiment_score":0.4812955856323242},{"text":"Yeah.","start":983.935,"end":984.435,"sentiment":"neutral","sentiment_score":0.21099242568016052}],"sentiment":"neutral","sentiment_score":0.003784323827578471,"num_words":65,"start":960.28,"end":984.435},{"sentences":[{"text":"Oh, good.","start":986.38,"end":987.44,"sentiment":"positive","sentiment_score":0.40973368287086487},{"text":"All good.","start":988.62,"end":989.42,"sentiment":"positive","sentiment_score":0.5685052573680878},{"text":"All good.","start":989.42,"end":990.24,"sentiment":"positive","sentiment_score":0.5230086892843246},{"text":"Yeah.","start":990.69995,"end":991.19995,"sentiment":"neutral","sentiment_score":0.07676435261964798},{"text":"When you do sorry?","start":992.06,"end":993.92,"sentiment":"neutral","sentiment_score":0.0042296412866562605}],"sentiment":"neutral","sentiment_score":0.2814707433466207,"num_words":11,"start":986.38,"end":993.92},{"sentences":[{"text":"Yes.","start":998.385,"end":998.78503,"sentiment":"neutral","sentiment_score":0.04607512801885605},{"text":"What I would like you to do is have a bit of a read through it after.","start":998.78503,"end":1001.745,"sentiment":"neutral","sentiment_score":0.07486990620108212},{"text":"Let me know if you do happen to have any questions.","start":1001.745,"end":1003.92505,"sentiment":"neutral","sentiment_score":0.08633283796635541},{"text":"With applying for just a life cover, I know Karen is your beneficiary on your hub twenty four super, and that's the way you wanted it.","start":1004.465,"end":1011.42004,"sentiment":"neutral","sentiment_score":0.10811431104174027},{"text":"So I've made a recommendation that when we apply for life cover, we do also apply the beneficiary.","start":1011.42004,"end":1017.28,"sentiment":"neutral","sentiment_score":0.19492317529188263}],"sentiment":"neutral","sentiment_score":0.11764539716994926,"num_words":73,"start":998.385,"end":1017.28},{"sentences":[{"text":"So in the event of passing, Karen gets the money to be able to pay off the mortgages and make things a bit easier for her.","start":1017.42004,"end":1024.935,"sentiment":"neutral","sentiment_score":0.23763959224407488},{"text":"And I always sort of suggest to people as well, make sure that you let your beneficiary know that you we do look after your super just so in the event that something happens, she knows to call us, and we will help her with the claim.","start":1025.255,"end":1038.0751,"sentiment":"neutral","sentiment_score":0.20095327940393},{"text":"It's just something I have come across in the past where clients have passed away and haven't kinda given any of their beneficiaries the information.","start":1038.32,"end":1046.1,"sentiment":"neutral","sentiment_score":-0.0812328365445137},{"text":"And then six months later, they've called us going, hey.","start":1046.24,"end":1049.04,"sentiment":"neutral","sentiment_score":-0.1208936631679535},{"text":"What's going on?","start":1049.04,"end":1050.0,"sentiment":"neutral","sentiment_score":-0.12121763577063878}],"sentiment":"neutral","sentiment_score":0.10828849619573301,"num_words":111,"start":1017.42004,"end":1050.0},{"sentences":[{"text":"Who are you?","start":1050.0,"end":1050.64,"sentiment":"neutral","sentiment_score":-0.13019039233525595},{"text":"And we kind of have to go through the claim a few a few months down the track, and it's been a hard time for the family.","start":1050.64,"end":1056.605,"sentiment":"neutral","sentiment_score":-0.27746089465088314},{"text":"So it's just something I like to kind of bring up and make sure that everyone's sort of aware of what's happening and where your super is and that you do have a financial adviser that helps you with it just so they know who to call and what to do in the event of something occurring.","start":1056.665,"end":1073.06,"sentiment":"neutral","sentiment_score":0.16233505040668605},{"text":"Okay?","start":1073.4401,"end":1073.9401,"sentiment":"neutral","sentiment_score":0.10678711533546448},{"text":"Easy.","start":1076.7201,"end":1077.2201,"sentiment":"neutral","sentiment_score":-0.0032867908012121916}],"sentiment":"neutral","sentiment_score":0.016568346799278023,"num_words":89,"start":1050.0,"end":1077.2201},{"sentences":[{"text":"In the document, when you do get a chance to read it over, I've got the advantages, the disadvantages, the risks involved of all the strategies there for you.","start":1077.4401,"end":1085.555,"sentiment":"neutral","sentiment_score":0.17646299199811344},{"text":"I've also got the best interest duty there, which essentially links it back to your goal, and I'll let you know why the recommendations are in your best interest to go forward 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okay?","start":1110.645,"end":1111.785,"sentiment":"neutral","sentiment_score":0.17156895250082016}],"sentiment":"neutral","sentiment_score":0.23585212994061533,"num_words":122,"start":1077.4401,"end":1111.785},{"sentences":[{"text":"Yep.","start":1113.685,"end":1114.185,"sentiment":"neutral","sentiment_score":0.31382474303245544},{"text":"Beautiful.","start":1114.7251,"end":1115.2251,"sentiment":"positive","sentiment_score":0.5229412317276001},{"text":"You're 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specific it's asking or it's saying at the moment?","start":1168.255,"end":1171.635,"sentiment":"neutral","sentiment_score":-0.027018248103559017},{"text":"No.","start":1176.095,"end":1176.595,"sentiment":"neutral","sentiment_score":-0.22987326979637143},{"text":"There might be a little text box on the back there as well, and it might have a you might just need to put NA or is it is it a little text box there at all that's asking you for something?","start":1185.95,"end":1197.845,"sentiment":"neutral","sentiment_score":-0.07447476081904911},{"text":"Yeah.","start":1230.605,"end":1231.105,"sentiment":"neutral","sentiment_score":0.032384783029556274},{"text":"That's okay.","start":1231.74,"end":1232.46,"sentiment":"neutral","sentiment_score":0.07929442077875137}],"sentiment":"neutral","sentiment_score":-0.060190665118139364,"num_words":58,"start":1168.255,"end":1232.46},{"sentences":[{"text":"If you get stuck, let me know.","start":1232.46,"end":1234.32,"sentiment":"neutral","sentiment_score":-0.00116198297057833},{"text":"And, yeah, once it comes through, I'll I'll make sure I download it and send you a copy.","start":1234.46,"end":1239.52,"sentiment":"neutral","sentiment_score":0.0949937231424782},{"text":"Okay?","start":1239.74,"end":1240.24,"sentiment":"neutral","sentiment_score":0.08645167201757431},{"text":"No worries, Troy.","start":1243.18,"end":1244.06,"sentiment":"neutral","sentiment_score":0.16757450004418692},{"text":"If you do find you have any questions, let me know.","start":1244.06,"end":1246.3,"sentiment":"neutral","sentiment_score":0.14367354144765573}],"sentiment":"neutral","sentiment_score":0.09678343159612268,"num_words":40,"start":1232.46,"end":1246.3},{"sentences":[{"text":"I'm more than happy to help, and I'll get on the hub twenty four and find out if they can re email you the login 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Joy.","start":1261.6709,"end":1262.731,"sentiment":"positive","sentiment_score":0.6969887614250183},{"text":"Bye.","start":1262.8708,"end":1263.3708,"sentiment":"neutral","sentiment_score":-0.12390843778848648}],"sentiment":"positive","sentiment_score":0.3669384801760316,"num_words":8,"start":1258.5509,"end":1263.3708}]}}]},{"alternatives":[{"transcript":"Hello? I'm good, dad. Yeah. It's been so long. Yes. Yes. Yeah. No. I'm running through there. Yeah. Yeah. I'm good. Yeah. Yes. Who's this? 20 North is the 5th 1 in 82. Number three, the line was Omar. Where is he going? I've got that I've got that email in front of me. Yes. Yes. Yes. Yes. Yes. Yes. Okay. Yes. I'm good. Yeah. Is it every year, is it? No. Maybe six months. But, yeah, I'm not. Yeah. I'm not. No music thing to the end. Tell me my balance at the moment? Is it going up or going down? Yes. I do not. You're in the gold case, don't you? Yes. Yes. Yeah. I can't get back into the app. I'm not at least looking at it. That that's the one that I've looked at anything. Is it? I looked at my Is that I have any further? Is that all the same balance and everything? Is it Yeah. Yeah. Yeah. Yeah. Yeah. Okay. Yeah. Yeah. So good. Yes. Yeah. Yeah. Okay. Yeah. Okay. So and can you can you say in my personal company, CC? So I pay that every week or every month, maybe I do it. Do you say that or not? Yeah. I said you you stated that that employee. That is that is that speaking of for me to keep putting that in there, like, too? Doing? Yeah. Is that still Ruth's? Yeah. Yeah. But it's it's that gun that's been missing me. It's just still doing that. Yeah. I said. Yes. Yes. Okay. All good. All good. Yeah. Yes. Yes. Yes. Yes. Yes. Is that is that maybe yeah. Right. Yes. Yes. Yes. Yes. Yes. Yes. Yes. Yeah. Yeah. Yes. Yes. Yeah. Okay. Yeah. I will. You you know what you're doing, so I'll just take you through it and, yeah, the good Do I need the TriNet? Do I need the TriNet? Yes. Yes. Yes. Yes. Yeah. No. Yes. That's good. I I think I don't know. I can't see it on my phone. I'm trying to join it now, but I might need I might actually get a copy a hard copy sent to me when I was doing it. No. I can't get a net net billing. I don't know where I'm at. No. I got FIWNEQE, but no worries. Main. I hit and won't be let me just come up and send me. Alright. Thank you. Yeah. Alright. Thank you. I will give you a call. Say that. 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I'm good, dad. Yeah. It's been so long. Yes.\n\nYes. Yeah. No. I'm running through there. Yeah.\n\nYeah. I'm good. Yeah. Yes. Who's this?\n\n20 North is the 5th 1 in 82. Number three, the line was Omar. Where is he going? I've got that I've got that email in front of me. Yes.\n\nYes. Yes. Yes. Yes. Yes.\n\nOkay. Yes. I'm good. Yeah. Is it every year, is it?\n\nNo. Maybe six months. But, yeah, I'm not. Yeah. I'm not.\n\nNo music thing to the end. Tell me my balance at the moment? Is it going up or going down? Yes. I do not.\n\nYou're in the gold case, don't you? Yes. Yes. Yeah. I can't get back into the app.\n\nI'm not at least looking at it. That that's the one that I've looked at anything. Is it? I looked at my Is that I have any further? Is that all the same balance and everything?\n\nIs it Yeah. Yeah. Yeah. Yeah. Yeah.\n\nOkay. Yeah. Yeah. So good. Yes.\n\nYeah. Yeah. Okay. Yeah. Okay.\n\nSo and can you can you say in my personal company, CC? So I pay that every week or every month, maybe I do it. Do you say that or not? Yeah. I said you you stated that that employee.\n\nThat is that is that speaking of for me to keep putting that in there, like, too? Doing? Yeah. Is that still Ruth's? Yeah.\n\nYeah. But it's it's that gun that's been missing me. It's just still doing that. Yeah. I said.\n\nYes. Yes. Okay. All good. All good.\n\nYeah. Yes. Yes. Yes. Yes.\n\nYes. Is that is that maybe yeah. Right. Yes. Yes.\n\nYes. Yes. Yes. Yes. Yes.\n\nYeah. Yeah. Yes. Yes. Yeah.\n\nOkay. Yeah. I will. You you know what you're doing, so I'll just take you through it and, yeah, the good Do I need the TriNet? Do I need the TriNet?\n\nYes. Yes. Yes. Yes. Yeah.\n\nNo. Yes. That's good. I I think I don't know. I can't see it on my phone.\n\nI'm trying to join it now, but I might need I might actually get a copy a hard copy sent to me when I was doing it. No. I can't get a net net billing. I don't know where I'm at. No.\n\nI got FIWNEQE, but no worries. Main. I hit and won't be let me just come up and send me. Alright. Thank you.\n\nYeah. Alright. Thank you. I will give you a call. 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not.","start":336.395,"end":337.13498,"sentiment":"neutral","sentiment_score":-0.03262719511985779}],"sentiment":"neutral","sentiment_score":-0.01685656907714226,"num_words":11,"start":315.145,"end":337.13498},{"sentences":[{"text":"No music thing to the end.","start":339.035,"end":341.055,"sentiment":"neutral","sentiment_score":-0.01675343932583928},{"text":"Tell me my balance at the moment?","start":356.795,"end":359.45502,"sentiment":"neutral","sentiment_score":0.04525756037661007},{"text":"Is it going up or going down?","start":362.475,"end":365.375,"sentiment":"neutral","sentiment_score":0.03872578138751643},{"text":"Yes.","start":374.96,"end":375.46,"sentiment":"neutral","sentiment_score":0.14292748272418976},{"text":"I do not.","start":392.535,"end":393.515,"sentiment":"negative","sentiment_score":-0.43781277537345886}],"sentiment":"neutral","sentiment_score":-0.028464503625097375,"num_words":24,"start":339.035,"end":393.515},{"sentences":[{"text":"You're in the gold case, don't you?","start":393.575,"end":395.99503,"sentiment":"neutral","sentiment_score":-0.1557561797755105},{"text":"Yes.","start":398.535,"end":399.035,"sentiment":"neutral","sentiment_score":0.01604704186320305},{"text":"Yes.","start":399.095,"end":399.595,"sentiment":"neutral","sentiment_score":-0.0472182035446167},{"text":"Yeah.","start":419.095,"end":419.595,"sentiment":"neutral","sentiment_score":-0.033266566693782806},{"text":"I can't get back into the app.","start":424.85498,"end":427.91498,"sentiment":"negative","sentiment_score":-0.37402330126081196}],"sentiment":"neutral","sentiment_score":-0.22193494680173256,"num_words":17,"start":393.575,"end":427.91498},{"sentences":[{"text":"I'm not at least looking at it.","start":443.625,"end":451.085,"sentiment":"neutral","sentiment_score":-0.04293408723814147},{"text":"That that's the one that I've looked at anything.","start":451.625,"end":455.405,"sentiment":"neutral","sentiment_score":0.005596780425144566},{"text":"Is it?","start":456.4,"end":457.22,"sentiment":"neutral","sentiment_score":0.015040305443108082},{"text":"I looked at my Is that I have any further?","start":458.8,"end":462.9,"sentiment":"neutral","sentiment_score":-0.06749239675700665},{"text":"Is that all the same balance and everything?","start":463.03998,"end":466.5,"sentiment":"neutral","sentiment_score":-0.0406540313269943}],"sentiment":"neutral","sentiment_score":-0.03389564428168038,"num_words":36,"start":443.625,"end":466.5},{"sentences":[{"text":"Is it Yeah.","start":466.63998,"end":467.84,"sentiment":"neutral","sentiment_score":0.021961380106707413},{"text":"Yeah.","start":467.84,"end":467.91998,"sentiment":"neutral","sentiment_score":0.044659197330474854},{"text":"Yeah.","start":467.91998,"end":468.41998,"sentiment":"neutral","sentiment_score":0.04898758232593536},{"text":"Yeah.","start":468.63998,"end":469.13998,"sentiment":"neutral","sentiment_score":0.06608028709888458},{"text":"Yeah.","start":471.52,"end":471.975,"sentiment":"neutral","sentiment_score":0.06319785118103027}],"sentiment":"neutral","sentiment_score":0.041258436893778186,"num_words":7,"start":466.63998,"end":471.975},{"sentences":[{"text":"Okay.","start":489.28998,"end":489.78998,"sentiment":"neutral","sentiment_score":0.04123812913894653},{"text":"Yeah.","start":508.675,"end":509.07498,"sentiment":"neutral","sentiment_score":0.09802689403295516},{"text":"Yeah.","start":509.07498,"end":509.555,"sentiment":"neutral","sentiment_score":0.1381654143333435},{"text":"So good.","start":509.555,"end":510.375,"sentiment":"neutral","sentiment_score":0.24628885090351105},{"text":"Yes.","start":530.38995,"end":530.88995,"sentiment":"neutral","sentiment_score":0.07406992465257645}],"sentiment":"neutral","sentiment_score":0.14067967732747397,"num_words":6,"start":489.28998,"end":530.88995},{"sentences":[{"text":"Yeah.","start":548.8,"end":549.3,"sentiment":"neutral","sentiment_score":0.16779229044914246},{"text":"Yeah.","start":554.16,"end":554.39996,"sentiment":"neutral","sentiment_score":0.07287309318780899},{"text":"Okay.","start":554.39996,"end":554.89996,"sentiment":"neutral","sentiment_score":0.1152447834610939},{"text":"Yeah.","start":562.935,"end":563.41504,"sentiment":"neutral","sentiment_score":0.13939008116722107},{"text":"Okay.","start":563.41504,"end":563.91504,"sentiment":"neutral","sentiment_score":0.18231667578220367}],"sentiment":"neutral","sentiment_score":0.13552338480949402,"num_words":5,"start":548.8,"end":563.91504},{"sentences":[{"text":"So and can you can you say in my personal company, CC?","start":564.375,"end":578.89,"sentiment":"neutral","sentiment_score":0.14055163227021694},{"text":"So I pay that every week or every month, maybe I do it.","start":581.59,"end":589.565,"sentiment":"neutral","sentiment_score":0.09613655908749653},{"text":"Do you say that or not?","start":591.305,"end":593.40497,"sentiment":"neutral","sentiment_score":0.01851659718280037},{"text":"Yeah.","start":597.225,"end":597.725,"sentiment":"neutral","sentiment_score":0.05735614150762558},{"text":"I said you you stated that that employee.","start":608.94,"end":613.2,"sentiment":"neutral","sentiment_score":0.06755600776523352}],"sentiment":"neutral","sentiment_score":0.09113246605265886,"num_words":40,"start":564.375,"end":613.2},{"sentences":[{"text":"That is that is that speaking of for me to keep putting that in there, like, too?","start":617.445,"end":627.715,"sentiment":"neutral","sentiment_score":0.05594508590943673},{"text":"Doing?","start":643.16504,"end":643.66504,"sentiment":"neutral","sentiment_score":0.029187094420194622},{"text":"Yeah.","start":648.925,"end":649.425,"sentiment":"neutral","sentiment_score":0.04744116961956024},{"text":"Is that still Ruth's?","start":649.485,"end":651.905,"sentiment":"neutral","sentiment_score":0.0337003031745553},{"text":"Yeah.","start":655.085,"end":655.325,"sentiment":"neutral","sentiment_score":0.07743892073631287}],"sentiment":"neutral","sentiment_score":0.05166395241394639,"num_words":24,"start":617.445,"end":655.325},{"sentences":[{"text":"Yeah.","start":655.325,"end":655.645,"sentiment":"neutral","sentiment_score":0.07659469544887543},{"text":"But it's it's that gun that's been missing me.","start":655.645,"end":659.67,"sentiment":"neutral","sentiment_score":0.019701605145302083},{"text":"It's just still doing that.","start":660.05,"end":662.31,"sentiment":"neutral","sentiment_score":0.10992346554994584},{"text":"Yeah.","start":685.72,"end":686.04,"sentiment":"neutral","sentiment_score":0.2175866663455963},{"text":"I said.","start":686.04,"end":690.7,"sentiment":"neutral","sentiment_score":0.21809712052345276}],"sentiment":"neutral","sentiment_score":0.08096152093882363,"num_words":18,"start":655.325,"end":690.7},{"sentences":[{"text":"Yes.","start":704.055,"end":704.555,"sentiment":"neutral","sentiment_score":0.2691665291786194},{"text":"Yes.","start":710.935,"end":711.255,"sentiment":"neutral","sentiment_score":0.2540346682071686},{"text":"Okay.","start":711.255,"end":711.755,"sentiment":"neutral","sentiment_score":0.31677567958831787},{"text":"All good.","start":712.055,"end":712.775,"sentiment":"positive","sentiment_score":0.459610179066658},{"text":"All good.","start":712.775,"end":713.435,"sentiment":"positive","sentiment_score":0.45279502868652344}],"sentiment":"positive","sentiment_score":0.38068389892578125,"num_words":7,"start":704.055,"end":713.435},{"sentences":[{"text":"Yeah.","start":714.0,"end":714.5,"sentiment":"neutral","sentiment_score":0.3239280581474304},{"text":"Yes.","start":729.865,"end":730.365,"sentiment":"neutral","sentiment_score":-0.003762240521609783},{"text":"Yes.","start":738.34503,"end":738.84503,"sentiment":"neutral","sentiment_score":0.01876931264996529},{"text":"Yes.","start":748.01996,"end":748.51996,"sentiment":"neutral","sentiment_score":0.04334870725870133},{"text":"Yes.","start":757.725,"end":758.225,"sentiment":"neutral","sentiment_score":0.1025419607758522}],"sentiment":"neutral","sentiment_score":0.0969651596620679,"num_words":5,"start":714.0,"end":758.225},{"sentences":[{"text":"Yes.","start":764.685,"end":765.185,"sentiment":"neutral","sentiment_score":0.11570514738559724},{"text":"Is that is that maybe yeah.","start":805.9,"end":808.425,"sentiment":"neutral","sentiment_score":0.034067395608872175},{"text":"Right.","start":817.46497,"end":817.96497,"sentiment":"neutral","sentiment_score":0.03218654915690422},{"text":"Yes.","start":827.55,"end":828.05,"sentiment":"neutral","sentiment_score":0.031817786395549774},{"text":"Yes.","start":835.87,"end":836.295,"sentiment":"neutral","sentiment_score":0.05679910257458687}],"sentiment":"neutral","sentiment_score":0.044091295916587114,"num_words":10,"start":764.685,"end":836.295},{"sentences":[{"text":"Yes.","start":860.04004,"end":860.54004,"sentiment":"neutral","sentiment_score":0.11499273777008057},{"text":"Yes.","start":860.60004,"end":861.10004,"sentiment":"neutral","sentiment_score":0.14963966608047485},{"text":"Yes.","start":868.45496,"end":868.95496,"sentiment":"neutral","sentiment_score":0.2082226574420929},{"text":"Yes.","start":881.11005,"end":881.61005,"sentiment":"neutral","sentiment_score":0.1137215942144394},{"text":"Yes.","start":883.99,"end":884.49,"sentiment":"neutral","sentiment_score":0.1652778685092926}],"sentiment":"neutral","sentiment_score":0.15037090480327606,"num_words":5,"start":860.04004,"end":884.49},{"sentences":[{"text":"Yeah.","start":900.015,"end":900.335,"sentiment":"neutral","sentiment_score":0.03322155028581619},{"text":"Yeah.","start":900.335,"end":900.835,"sentiment":"neutral","sentiment_score":0.08821941912174225},{"text":"Yes.","start":923.195,"end":923.695,"sentiment":"neutral","sentiment_score":-0.038287609815597534},{"text":"Yes.","start":960.125,"end":960.625,"sentiment":"neutral","sentiment_score":-0.013663915917277336},{"text":"Yeah.","start":977.775,"end":978.09503,"sentiment":"neutral","sentiment_score":0.05572012811899185}],"sentiment":"neutral","sentiment_score":0.025041914358735085,"num_words":5,"start":900.015,"end":978.09503},{"sentences":[{"text":"Okay.","start":978.09503,"end":978.59503,"sentiment":"neutral","sentiment_score":0.09315113723278046},{"text":"Yeah.","start":978.895,"end":979.395,"sentiment":"neutral","sentiment_score":0.12547853589057922},{"text":"I will.","start":980.09503,"end":980.655,"sentiment":"positive","sentiment_score":0.41528479754924774},{"text":"You you know what you're doing, so I'll just take you through it and, yeah, the good Do I need the TriNet?","start":980.655,"end":993.94,"sentiment":"neutral","sentiment_score":0.24990276350978424},{"text":"Do I need the TriNet?","start":995.76,"end":997.46,"sentiment":"neutral","sentiment_score":0.006306522339582443}],"sentiment":"neutral","sentiment_score":0.2122126670043555,"num_words":31,"start":978.09503,"end":997.46},{"sentences":[{"text":"Yes.","start":1010.655,"end":1011.155,"sentiment":"neutral","sentiment_score":0.2156081050634384},{"text":"Yes.","start":1023.25,"end":1023.75,"sentiment":"neutral","sentiment_score":0.2846141457557678},{"text":"Yes.","start":1039.135,"end":1039.635,"sentiment":"neutral","sentiment_score":0.017906947061419487},{"text":"Yes.","start":1056.285,"end":1056.785,"sentiment":"neutral","sentiment_score":0.02134285867214203},{"text":"Yeah.","start":1074.8099,"end":1075.21,"sentiment":"neutral","sentiment_score":0.04105227440595627}],"sentiment":"neutral","sentiment_score":0.1161048661917448,"num_words":5,"start":1010.655,"end":1075.21},{"sentences":[{"text":"No.","start":1075.21,"end":1075.71,"sentiment":"neutral","sentiment_score":-0.029512736946344376},{"text":"Yes.","start":1112.77,"end":1113.135,"sentiment":"neutral","sentiment_score":0.21723195910453796},{"text":"That's good.","start":1113.455,"end":1114.115,"sentiment":"positive","sentiment_score":0.4435765892267227},{"text":"I I think I don't know.","start":1115.6951,"end":1119.935,"sentiment":"neutral","sentiment_score":-0.01591869940360387},{"text":"I can't see it on my phone.","start":1119.935,"end":1122.355,"sentiment":"neutral","sentiment_score":-0.09524252585002355}],"sentiment":"neutral","sentiment_score":0.018391913131755942,"num_words":17,"start":1075.21,"end":1122.355},{"sentences":[{"text":"I'm trying to join it now, but I might need I might actually get a copy a hard copy sent to me when I was doing it.","start":1123.135,"end":1139.93,"sentiment":"neutral","sentiment_score":-0.012018435117271211},{"text":"No.","start":1174.785,"end":1175.285,"sentiment":"neutral","sentiment_score":-0.18636006116867063},{"text":"I can't get a net net billing.","start":1176.225,"end":1180.405,"sentiment":"neutral","sentiment_score":-0.25666006973811556},{"text":"I don't know where I'm at.","start":1181.065,"end":1183.605,"sentiment":"neutral","sentiment_score":-0.19381564110517502},{"text":"No.","start":1200.665,"end":1201.165,"sentiment":"neutral","sentiment_score":-0.05746479332447052}],"sentiment":"neutral","sentiment_score":-0.0839961175585077,"num_words":42,"start":1123.135,"end":1201.165},{"sentences":[{"text":"I got FIWNEQE, but no worries.","start":1203.065,"end":1210.6849,"sentiment":"neutral","sentiment_score":-0.0384509451687336},{"text":"Main.","start":1212.025,"end":1212.525,"sentiment":"neutral","sentiment_score":-0.03441494330763817},{"text":"I hit and won't be let me just come up and send me.","start":1215.9,"end":1226.0,"sentiment":"neutral","sentiment_score":-0.14407555013895035},{"text":"Alright.","start":1241.47,"end":1241.97,"sentiment":"neutral","sentiment_score":0.1114732176065445},{"text":"Thank you.","start":1251.47,"end":1253.0099,"sentiment":"neutral","sentiment_score":0.31280355155467987}],"sentiment":"neutral","sentiment_score":-0.06091401936567348,"num_words":23,"start":1203.065,"end":1253.0099},{"sentences":[{"text":"Yeah.","start":1253.63,"end":1254.13,"sentiment":"neutral","sentiment_score":0.17622247338294983},{"text":"Alright.","start":1254.19,"end":1254.6699,"sentiment":"neutral","sentiment_score":0.2641427516937256},{"text":"Thank you.","start":1254.6699,"end":1255.6499,"sentiment":"positive","sentiment_score":0.6877464056015015},{"text":"I will give you a call.","start":1259.0349,"end":1260.495,"sentiment":"neutral","sentiment_score":0.26458056767781574},{"text":"Say that.","start":1260.5549,"end":1261.2949,"sentiment":"neutral","sentiment_score":0.2126857414841652}],"sentiment":"neutral","sentiment_score":0.3190594104429086,"num_words":12,"start":1253.63,"end":1261.2949},{"sentences":[{"text":"Bye.","start":1261.355,"end":1261.855,"sentiment":"neutral","sentiment_score":0.21202990412712097}],"sentiment":"neutral","sentiment_score":0.21202990412712097,"num_words":1,"start":1261.355,"end":1261.855}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Troy. It's Dana from OB Financial. How are you today?\n\nChannel 1: I'm good, dad.\n\nChannel 0: That's good. How's your day been?\n\nChannel 1: Yeah. It's been so long.\n\nChannel 0: Yeah. All good. Look. I just had you booked in to go through an updated statement of advice for you. We've made some changes to updated recommendations.\n\nIs now still a good time?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yep. Fabulous. All good. Do you happen to have access to your emails? If you don't, that's absolutely fine.\n\nI can run through it and send it to you after. What would you prefer?\n\nChannel 1: Yeah. No. I'm running through there.\n\nChannel 0: That's okay. Not a problem. I'll run through the recommendations for you, give you a bit of an update on the parts that I need to, and then you're welcome to have a bit of a look at it later. If you find you have questions, you're welcome to let me know. Okay?\n\nChannel 1: Yeah. Yeah. I'm good.\n\nChannel 0: Excellent. Now I'm sending you through your email there, the1@msn.com. That's still the same email?\n\nChannel 1: Yeah.\n\nChannel 0: Fantastic. And I'll just do security with you and just confirm before we jump into the call, we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yes. Who's this?\n\nChannel 0: Yeah. So I'll be listening. I'll just do a quick security check there with you. Just need to confirm your full name, date of birth, and address that you have on file there for you, Troy.\n\nChannel 1: 20 North is the 5th 1 in 82.\n\nChannel 0: Yep.\n\nChannel 1: Number three, the line was Omar. Where is he going?\n\nChannel 0: That's okay.\n\nChannel 1: I've\n\nChannel 0: That's okay. You did awesome. Thank you so much for that. You've got a lot going on.\n\nChannel 1: got that I've got that email in front of me.\n\nChannel 0: Oh, beautiful. That's okay. Did you wanna look at the document, or did you wanna have us look at it later? What's your preference? Yeah.\n\nAbsolutely. Not an issue at all. So, Troy, after our last call, I've gone back and had a really good look at your file, gone through, and just sort of, you know, updated the investment switch there. We're essentially having a look at your investments. It looks like one or two of them are underperforming a little bit there at the moment with what's been happening in the market.\n\nSo I have\n\nChannel 1: Yes.\n\nChannel 0: made a bit of a recommendation to make some changes to your investments, but still keeping you in that high growth environment, which is where you're comfortable being for the time being. And because you don't\n\nChannel 1: Yes.\n\nChannel 0: wanna retire to the age of 60 65 there at the moment, that's still fine and appropriate for you. So what\n\nChannel 1: Yes.\n\nChannel 0: I am recommending there for you, Troy, is that we are going to just rebalance some of your portfolio. So we'll sell off a little bit of the battery of lithium taxes, bringing it back to 5%. We're going\n\nChannel 1: Yes.\n\nChannel 0: to buy a little bit more of cybersecurity. It has taken a bit of a dip recently. So buying a bit now means we're buying into the dip, which is a positive.\n\nChannel 1: Yes.\n\nChannel 0: We're going to just sort of rebalance the Asia and Europe and The US equities there for you a little bit. We're also gonna rebalance the Nasdaq. You've got some robotics and AI still keeping it, but just rebalancing a little bit. And then also, you've got your Bennelong Australian equities in there. So Bennelong has actually been underperforming very heavily over the past few months, so we're gonna sell that off completely and remove that.\n\nWe've evaluated that as an investment, and it's no longer a good investment\n\nChannel 1: Yes.\n\nChannel 0: to have. So we're going to remove that from your portfolio completely and put you into the beta says 8,200. So it's still giving you exposure into the Australian market. It's actually giving you more diversification, which can help to reduce the risk of your portfolio. But when we look at the changes that are being made, the adding beta share as the a 200 into there actually is cheaper for you.\n\nSo\n\nChannel 1: Okay.\n\nChannel 0: by making these changes, it saves you about $498 for the year on investment fees. So it makes your portfolio cheaper, save you on fees, and it's actually performed a lot better than what your current portfolio has been. So we wanted to make the switch, rebalance things a little bit, make sure you're not overexposed to risk in the current climate that we're seeing, but also make sure that your portfolio is being performing well and that it has that it can perform just as well in the future. Does that make sense?\n\nChannel 1: Yes. I'm good.\n\nChannel 0: Yep. Beautiful. Essentially, the newer portfolios average the higher rate of return. And when you look at the document there, you'll see some updated projections. But over the next ten years, you'll see it can provide you with a greater level of if, you know, if the market's performed the way it has, it can provide you with a greater projection than what your current portfolio has.\n\nSo we do wanna keep watching and monitoring that, and we'll make sure that we keep reviewing this with you every year as well. Okay?\n\nChannel 1: Yeah. Is it every year, is it? No.\n\nChannel 0: Yeah. So yeah. Sorry. Yeah. Yeah.\n\nAbsolutely. Did you want a catch up once every three months or six months? Or how how often would you kind of prefer a review?\n\nChannel 1: Maybe six months. But, yeah, I'm\n\nChannel 0: Six\n\nChannel 1: not.\n\nChannel 0: months?\n\nChannel 1: Yeah. I'm not. No music\n\nChannel 0: That's\n\nChannel 1: thing\n\nChannel 0: okay.\n\nChannel 1: to the end.\n\nChannel 0: Yeah. Not a problem. I'll put it down here that you wanna a bit of a catch up every six months for you, and we'll make sure in six months' time, we book you back in for a bit of a catch up to see how things are tracking easily.\n\nChannel 1: Tell me my balance at the moment?\n\nChannel 0: Yeah. Absolutely. So\n\nChannel 1: Is it going up or going down?\n\nChannel 0: yeah. Absolutely. So let me just pull up your last review documents just to see where things were when we last caught up there. That way\n\nChannel 1: Yes.\n\nChannel 0: we can give you a bit of a comparison. And you're in a hub. Sorry. It won't be a second. My computer's a little bit slow.\n\nChannel 1: I do not. You're in the gold case, don't you?\n\nChannel 0: Yeah. Yeah. On the Gold Coast. Yeah.\n\nChannel 1: Yes.\n\nChannel 0: It's raining\n\nChannel 1: Yes.\n\nChannel 0: here at the moment. Horrible and wet. Oh, really? Seems to be everywhere. Can't win at the moment with that weather.\n\nIt's been raining all week on and off. It's been a bit crazy. Yep. Yeah. No.\n\nChannel 1: Yeah.\n\nChannel 0: All good. Yep.\n\nChannel 1: I can't get back into the app.\n\nChannel 0: Oh, can't you? Okay. Did you want me to get them to resend or send, like, a new email to you or send a new card to see if you can get in?\n\nChannel 1: I'm not\n\nChannel 0: Yes?\n\nChannel 1: at least looking\n\nChannel 0: That's okay. I'll contact 24 and find out\n\nChannel 1: at\n\nChannel 0: what they can do to help\n\nChannel 1: it.\n\nChannel 0: you there.\n\nChannel 1: That that's the one that I've looked at anything. Is it? I\n\nChannel 0: Sorry\n\nChannel 1: looked\n\nChannel 0: to\n\nChannel 1: at my Is that I have any further? Is that all the same balance and everything? Is it\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Absolutely. Yeah. So\n\nChannel 1: Yeah.\n\nChannel 0: having a look at your balance at the moment, I'm just pulling up a report to see where it was last year. But the balance in the advice document we have, there is a hun a 150,148, and your balance as of today is slightly higher. So\n\nChannel 1: Okay.\n\nChannel 0: yeah, so your balance as of today, we're currently sitting at where are we? Let's go back to the other screen. Sorry. I'm just pulling up for a quick report, but also kinda jumping back through the screens to grab the information for you.\n\nChannel 1: Yeah. Yeah. So\n\nChannel 0: There\n\nChannel 1: good.\n\nChannel 0: we go. Okay. So the balance in the account as of today, we've got a 150,289 in there. So it has gone up since we did the advice document up. And in\n\nChannel 1: Yes.\n\nChannel 0: the last twelve months there, the portfolio, Walter, is up because of what's been happening in the markets this year and with Benelon being down a little bit. You still got a positive return of 3.3%, but it is a much smaller positive return than we would like. But you\n\nChannel 1: Yeah.\n\nChannel 0: are definitely up from this from this same time last year. So twelve\n\nChannel 1: Yeah.\n\nChannel 0: months\n\nChannel 1: Okay.\n\nChannel 0: ago, you had a balance of about 136,000, and so now you're up to 150. Yeah.\n\nChannel 1: Yeah. Okay. So\n\nChannel 0: Yeah. All good.\n\nChannel 1: and\n\nChannel 0: The\n\nChannel 1: can you can you say in my personal company, CC? So I pay that every week or every month, maybe I do it.\n\nChannel 0: Mhmm.\n\nChannel 1: Do you say that or not?\n\nChannel 0: The contributions going in from CremSafe?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Yeah. We see that. Absolutely. Yeah.\n\nThey're going in every week. You've still got your employer contributions and your sales stack going in there as well. It's all going\n\nChannel 1: I\n\nChannel 0: in\n\nChannel 1: said\n\nChannel 0: properly.\n\nChannel 1: you you stated that that employee.\n\nChannel 0: Yeah. Yeah. We see all that in there.\n\nChannel 1: That\n\nChannel 0: Yeah.\n\nChannel 1: is that is that speaking of for me to keep putting that in there, like, too?\n\nChannel 0: Yep.\n\nChannel 1: Doing?\n\nChannel 0: That's the $25 every week, I believe.\n\nChannel 1: Yeah. Is that\n\nChannel 0: Yep.\n\nChannel 1: still Ruth's?\n\nChannel 0: Yeah. Yeah. It's still going in there. Yeah. Absolutely.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: I\n\nChannel 1: But\n\nChannel 0: can see it every week.\n\nChannel 1: it's it's that gun that's been missing me. It's just\n\nChannel 0: Yeah.\n\nChannel 1: still doing that.\n\nChannel 0: Absolutely gonna benefit you. Yeah. So, essentially, it's going in as a salary sacrifice contribution. And so putting money in on a regular basis, even something as small as $25 every week, when you look at this between now to when you turn 65, that $25 being invested and compound into the market is a really beneficial thing.\n\nChannel 1: Yeah.\n\nChannel 0: You're\n\nChannel 1: I\n\nChannel 0: helping to sort of lower your tax rate a little bit because you're it's\n\nChannel 1: said.\n\nChannel 0: pretax money, but it's going in and compounding towards when something as simple as $20 compounded, you know, and even at a three or a four or 10% interest rate over, you know, twenty odd years, it\n\nChannel 1: Yes.\n\nChannel 0: grows pretty large. So it could it's definitely gonna provide a benefit. I would continue doing it most definitely.\n\nChannel 1: Yes. Okay. All good. All good.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. No. All good. The other thing I just wanted to run through now last time we spoke, Troy, I'm not sure if this is still the same, but last time we spoke, we obviously tried to do to get life and TPD and income protection for you\n\nChannel 1: Yes.\n\nChannel 0: last year, but we weren't able to because of the cerebral palsy. The insurers aren't offering any kind of disability cover because of it. So you\n\nChannel 1: Yes.\n\nChannel 0: asked me to see if I could go back and just get some life cover. So in the event that you would have passed away, you would have cover for 500,000, and that covers\n\nChannel 1: Yes.\n\nChannel 0: both of your mortgages. So I did go back, and I've done a lot of research around that in the past few months to find out what's gonna be offered. And\n\nChannel 1: Yes.\n\nChannel 0: it looks like Ascender are gonna offer life cover only for the 500,000. We did\n\nChannel 1: Yes.\n\nChannel 0: put to them that you do have cerebral palsy, and they've said as long as there's no cognitive issues, there's there's not a problem at all. They don't see any issue with that. So it's basically coming back that you can have a life only to with a benefit amount of 500,000 to be paid out of your super funds. So you're not having to pay the premiums out of your back pocket. And it's estimated to cost about $296 pay for the first year.\n\nSo only a very little cost. If you sort of break that down to a weekly amount, it's about about $5.69 per week to give you $500 500,000 worth of life cover.\n\nChannel 1: Is that\n\nChannel 0: Okay?\n\nChannel 1: is that maybe yeah.\n\nChannel 0: That is the first year. It does get more and more expensive, so it does increase every year as you get older and older. But it's\n\nChannel 1: Right.\n\nChannel 0: only in it's generally only at very small increments. That normally increases by between two to 5% depending on their increasing each year. But we review\n\nChannel 1: Yes.\n\nChannel 0: the level of cover with you. So if it increases next year and you go, hey. That's a bit too expensive, we can always reduce it back a little bit.\n\nChannel 1: Yes.\n\nChannel 0: But along with the increase in price, the amount is also indexed. So, like, if you, you know, hold this cover for the next sort of five years, it'll go from $500,000 worth of cover to maybe $550,000 worth of cover. So the benefit amount that you're covered for is also indexed and increases along sorry, with the policy increase as well. Does that make sense?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yes. Beautiful. So I have made the recommendation in there for you to apply for that life cover. I've got the\n\nChannel 1: Yes.\n\nChannel 0: information in there in the best interest. Essentially, they're not gonna give us any TBD or income protection, and we're not looking at any additional cover outside of super at the moment. You were just happy to look at license if you could get those two\n\nChannel 1: Yes.\n\nChannel 0: mortgages covered, essentially. So\n\nChannel 1: Yes.\n\nChannel 0: feel free to have a bit of a read through that. The benefit to having it paid out of your super is that you don't have to pay the premiums out of your back pocket. And I know life is beyond expensive at the moment. I'm just feeling gross. The loan's been costing us all a fortune.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So, essentially, you know, being able to pay for that premium out of your super means you don't have to pay for that out of your back pocket. It means that the premium is deducted once a year from, essentially, your super fund, and we wanna make sure your super fund is growing enough to make sure that con the to make that premium paid and covered as well as all the other fees that are paid as well.\n\nChannel 1: Yes.\n\nChannel 0: There is obviously the disadvantage as it the sorry. The disadvantage there that it is paid out of your super. So having insurances that are paid out of your super and because they do get more expensive over time, it can provide a bit of a disadvantage or it can affect how much you have in super at the end of the day. But that's why you do have us here. You and I'll review the level of cover you have it here.\n\nYou can let me know how whether it's too expensive, whether you don't want it anymore, or whether you, you know, think you just wanna pull the cover back, and we can keep altering that life cover as needed.\n\nChannel 1: Yes.\n\nChannel 0: Realistically, once you've paid your mortgages off and you own the properties and your super balance is nice and big, you shouldn't need any life cover. So there should be a point when we can essentially cancel that life cover and, you know, you retire debt free and with a lovely super balance at the end of the day as well.\n\nChannel 1: Yeah. Okay. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I will.\n\nChannel 0: All good.\n\nChannel 1: You you know what you're doing, so I'll just\n\nChannel 0: Yeah.\n\nChannel 1: take you through it and,\n\nChannel 0: Oh, good.\n\nChannel 1: yeah,\n\nChannel 0: All good.\n\nChannel 1: the\n\nChannel 0: All\n\nChannel 1: good\n\nChannel 0: good. Yeah.\n\nChannel 1: Do\n\nChannel 0: When\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: need\n\nChannel 0: do\n\nChannel 1: the\n\nChannel 0: sorry?\n\nChannel 1: TriNet? Do I need the TriNet?\n\nChannel 0: Yes. What I would like you to do is have a bit of a read through it after. Let me know if you do happen to have any questions. With applying for just a life cover, I know Karen is your beneficiary on your hub twenty four super, and that's the way\n\nChannel 1: Yes.\n\nChannel 0: you wanted it. So I've made a recommendation that when we apply for life cover, we do also apply the beneficiary. So in the event of passing, Karen gets the money to be able to pay off the mortgages and make things\n\nChannel 1: Yes.\n\nChannel 0: a bit easier for her. And I always sort of suggest to people as well, make sure that you let your beneficiary know that you we do look after your super just so in the event that something happens, she knows to call us, and we will help her with the claim. It's just something I\n\nChannel 1: Yes.\n\nChannel 0: have come across in the past where clients have passed away and haven't kinda given any of their beneficiaries the information. And then six months later, they've called us going, hey. What's going on? Who are you? And we kind of have to go through the claim a few a few months down the track, and it's been a hard time for the family.\n\nChannel 1: Yes.\n\nChannel 0: So it's just something I like to kind of bring up and make sure that everyone's sort of aware of what's happening and where your super is and that you do have a financial adviser that helps you with it just so they know who to call and what to do in the event of something occurring. Okay?\n\nChannel 1: Yeah. No.\n\nChannel 0: Easy. In the document, when you do get a chance to read it over, I've got the advantages, the disadvantages, the risks involved of all the strategies there for you. I've also got the best interest duty there, which essentially links it back to your goal, and I'll let you know why the recommendations are in your best interest to go forward with. And I've also got your assets and liabilities as per our last conversation, so feel free to run your eyes over those. If you think they need to be updated in the back end, feel free to let me know, and we'll make sure that we do a catch up with you in about six months.\n\nDoes that sound okay?\n\nChannel 1: Yes. That's good.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: I\n\nChannel 0: You're right. Sorry.\n\nChannel 1: I think I don't know. I can't see it on my phone. I'm trying to join it now, but I might need I might actually get a copy a hard copy sent to me\n\nChannel 0: Yeah.\n\nChannel 1: when I\n\nChannel 0: Absolutely.\n\nChannel 1: was doing it.\n\nChannel 0: Yeah. Absolutely. Once it comes back to me, I'll download it, and I'll email you a separate copy. Not a problem at all. You're good.\n\nThat's okay. It's a bit hard on the phone. That's okay. What's it sort of telling you? Is there anything specific it's asking or it's saying at the moment?\n\nChannel 1: No.\n\nChannel 0: No.\n\nChannel 1: I can't get a net net billing. I don't know where I'm at.\n\nChannel 0: There might be a little text box on the back there as well, and it might have a you might just need to put NA or is it is it a little text box there at all that's asking you for something?\n\nChannel 1: No. I got FIWNEQE, but no worries. Main. I hit and won't be let me just come up and send me.\n\nChannel 0: Yeah. That's okay. If you get stuck, let me know. And, yeah, once it comes through, I'll I'll make sure I download it and send you a copy. Okay?\n\nChannel 1: Alright.\n\nChannel 0: No worries, Troy. If you do find you have any questions, let me know. I'm more than happy to help, and I'll get on the hub twenty four and find out if they can re email you the login\n\nChannel 1: Thank\n\nChannel 0: information.\n\nChannel 1: you.\n\nChannel 0: Okay?\n\nChannel 1: Yeah. Alright. Thank you.\n\nChannel 0: No worries. Thanks so much. Talk to you soon. See you later.\n\nChannel 1: I will give you a call. Say that.\n\nChannel 0: You too.\n\nChannel 1: Bye.\n\nChannel 0: Thanks, Joy. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.78,"sentiment":"neutral","sentiment_score":0.034733328968286514}],"sentiment":"neutral","sentiment_score":0.034733328968286514,"channel":1,"num_words":1,"start":1.28,"end":1.78},{"sentences":[{"text":"Hi, Troy.","start":2.56,"end":3.28,"sentiment":"neutral","sentiment_score":0.17058324068784714},{"text":"It's Dana from OB Financial.","start":3.28,"end":5.06,"sentiment":"neutral","sentiment_score":0.20867106914520264},{"text":"How are you today?","start":5.2,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.29552170634269714}],"sentiment":"neutral","sentiment_score":0.23332805931568146,"channel":0,"num_words":11,"start":2.56,"end":6.2599998},{"sentences":[{"text":"I'm good, dad.","start":6.8799996,"end":7.7799997,"sentiment":"positive","sentiment_score":0.6030672788619995}],"sentiment":"positive","sentiment_score":0.6030672788619995,"channel":1,"num_words":3,"start":6.8799996,"end":7.7799997},{"sentences":[{"text":"That's good.","start":8.639999,"end":9.36,"sentiment":"positive","sentiment_score":0.6650145351886749},{"text":"How's your day been?","start":9.36,"end":10.58,"sentiment":"positive","sentiment_score":0.3736616149544716}],"sentiment":"positive","sentiment_score":0.47077925503253937,"channel":0,"num_words":6,"start":8.639999,"end":10.58},{"sentences":[{"text":"Yeah.","start":12.559999,"end":12.719999,"sentiment":"neutral","sentiment_score":0.11716338992118835},{"text":"It's been so long.","start":12.719999,"end":14.099999,"sentiment":"neutral","sentiment_score":0.08250761404633522}],"sentiment":"neutral","sentiment_score":0.08943876922130585,"channel":1,"num_words":5,"start":12.559999,"end":14.099999},{"sentences":[{"text":"Yeah.","start":14.945001,"end":15.445001,"sentiment":"neutral","sentiment_score":0.26405736804008484},{"text":"All good.","start":15.745001,"end":16.565,"sentiment":"positive","sentiment_score":0.42874446511268616},{"text":"Look.","start":17.025,"end":17.185001,"sentiment":"neutral","sentiment_score":0.27654123306274414},{"text":"I just had you booked in to go through an updated statement of advice for you.","start":17.185001,"end":20.945,"sentiment":"neutral","sentiment_score":0.19056467898190022},{"text":"We've made some changes to updated recommendations.","start":20.945,"end":23.205,"sentiment":"neutral","sentiment_score":0.17849856402192796}],"sentiment":"neutral","sentiment_score":0.21098564234044817,"channel":0,"num_words":27,"start":14.945001,"end":23.205},{"sentences":[{"text":"Is now still a good time?","start":23.505001,"end":25.045,"sentiment":"neutral","sentiment_score":0.14398696397741637}],"sentiment":"neutral","sentiment_score":0.14398696397741637,"channel":0,"num_words":6,"start":23.505001,"end":25.045},{"sentences":[{"text":"Yes.","start":25.634998,"end":26.115,"sentiment":"neutral","sentiment_score":0.10433092713356018},{"text":"Yes.","start":26.115,"end":26.615,"sentiment":"neutral","sentiment_score":0.11760981380939484}],"sentiment":"neutral","sentiment_score":0.11097037047147751,"channel":1,"num_words":2,"start":25.634998,"end":26.615},{"sentences":[{"text":"Yep.","start":26.76,"end":27.26,"sentiment":"neutral","sentiment_score":0.24071255326271057},{"text":"Fabulous.","start":27.560001,"end":28.060001,"sentiment":"positive","sentiment_score":0.6186157464981079},{"text":"All good.","start":28.36,"end":29.1,"sentiment":"positive","sentiment_score":0.41765475273132324},{"text":"Do you happen to have access to your emails?","start":29.4,"end":31.400002,"sentiment":"neutral","sentiment_score":0.06809706158108181},{"text":"If you don't, that's absolutely fine.","start":31.400002,"end":33.16,"sentiment":"neutral","sentiment_score":0.0809478343774875}],"sentiment":"neutral","sentiment_score":0.147010440300954,"channel":0,"num_words":19,"start":26.76,"end":33.16},{"sentences":[{"text":"I can run through it and send it to you after.","start":33.16,"end":35.24,"sentiment":"neutral","sentiment_score":0.12500479072332382},{"text":"What would you prefer?","start":35.24,"end":36.3,"sentiment":"neutral","sentiment_score":0.028233426623046398}],"sentiment":"neutral","sentiment_score":0.09919909362991651,"channel":0,"num_words":15,"start":33.16,"end":36.3},{"sentences":[{"text":"Yeah.","start":36.239998,"end":36.739998,"sentiment":"neutral","sentiment_score":0.027350250631570816},{"text":"No.","start":36.8,"end":37.3,"sentiment":"neutral","sentiment_score":-0.006706152111291885},{"text":"I'm running through there.","start":38.0,"end":39.7,"sentiment":"neutral","sentiment_score":-0.01731803989969194}],"sentiment":"neutral","sentiment_score":-0.008104676846414804,"channel":1,"num_words":6,"start":36.239998,"end":39.7},{"sentences":[{"text":"That's okay.","start":40.995,"end":41.795002,"sentiment":"neutral","sentiment_score":0.07647018879652023},{"text":"Not a problem.","start":41.795002,"end":42.695,"sentiment":"neutral","sentiment_score":0.16981525222460428},{"text":"I'll run through the recommendations for you, give you a bit of an update on the parts that I need to, and then you're welcome to have a bit of a look at it later.","start":42.995,"end":50.195,"sentiment":"neutral","sentiment_score":0.16451392365353448},{"text":"If you find you have questions, you're welcome to let me know.","start":50.195,"end":53.155,"sentiment":"neutral","sentiment_score":0.12774051974217096},{"text":"Okay?","start":53.155,"end":53.655,"sentiment":"neutral","sentiment_score":0.11000676453113556}],"sentiment":"neutral","sentiment_score":0.1521371030863726,"channel":0,"num_words":53,"start":40.995,"end":53.655},{"sentences":[{"text":"Yeah.","start":53.945,"end":54.265,"sentiment":"neutral","sentiment_score":0.10672464966773988},{"text":"Yeah.","start":54.265,"end":54.665,"sentiment":"neutral","sentiment_score":0.18589067459106445},{"text":"I'm good.","start":54.665,"end":55.405,"sentiment":"positive","sentiment_score":0.37339216470718384}],"sentiment":"neutral","sentiment_score":0.259849913418293,"channel":1,"num_words":4,"start":53.945,"end":55.405},{"sentences":[{"text":"Excellent.","start":56.08,"end":56.56,"sentiment":"positive","sentiment_score":0.545346736907959},{"text":"Now I'm sending you through your email there, the1@msn.com.","start":56.56,"end":60.32,"sentiment":"neutral","sentiment_score":0.19920025600327385},{"text":"That's still the same email?","start":60.32,"end":61.620003,"sentiment":"neutral","sentiment_score":0.08710700869560242}],"sentiment":"neutral","sentiment_score":0.18491227229436238,"channel":0,"num_words":15,"start":56.08,"end":61.620003},{"sentences":[{"text":"Yeah.","start":62.48,"end":62.98,"sentiment":"neutral","sentiment_score":0.2083250880241394}],"sentiment":"neutral","sentiment_score":0.2083250880241394,"channel":1,"num_words":1,"start":62.48,"end":62.98},{"sentences":[{"text":"Fantastic.","start":63.68,"end":64.18,"sentiment":"positive","sentiment_score":0.4496116042137146},{"text":"And I'll just do security with you and just confirm before we jump into the call, we do record our calls for quality and training purposes.","start":64.88,"end":71.255,"sentiment":"neutral","sentiment_score":0.22123749554157257},{"text":"Are you happy for me to proceed with that?","start":71.255,"end":73.355,"sentiment":"neutral","sentiment_score":0.23214672009150186}],"sentiment":"neutral","sentiment_score":0.23030852691994774,"channel":0,"num_words":36,"start":63.68,"end":73.355},{"sentences":[{"text":"Yes.","start":73.965,"end":74.445,"sentiment":"neutral","sentiment_score":0.03782330080866814},{"text":"Who's this?","start":74.445,"end":75.265,"sentiment":"neutral","sentiment_score":0.025421575643122196}],"sentiment":"neutral","sentiment_score":0.02955548403163751,"channel":1,"num_words":3,"start":73.965,"end":75.265},{"sentences":[{"text":"Yeah.","start":74.935,"end":75.435,"sentiment":"neutral","sentiment_score":0.05296977609395981},{"text":"So I'll be listening.","start":75.495,"end":76.295,"sentiment":"neutral","sentiment_score":0.0629605045542121},{"text":"I'll just do a quick security check there with you.","start":76.295,"end":78.295,"sentiment":"neutral","sentiment_score":0.0852640338242054},{"text":"Just need to confirm your full name, date of birth, and address that you have on file there for you, Troy.","start":78.295,"end":83.115,"sentiment":"neutral","sentiment_score":0.089615586435511}],"sentiment":"neutral","sentiment_score":0.08442720688051647,"channel":0,"num_words":36,"start":74.935,"end":83.115},{"sentences":[{"text":"20 North is the 5th 1 in 82.","start":83.884995,"end":88.119995,"sentiment":"neutral","sentiment_score":0.027844750555232167}],"sentiment":"neutral","sentiment_score":0.027844750555232167,"channel":1,"num_words":8,"start":83.884995,"end":88.119995},{"sentences":[{"text":"Yep.","start":88.909996,"end":89.409996,"sentiment":"neutral","sentiment_score":0.0354074090719223}],"sentiment":"neutral","sentiment_score":0.0354074090719223,"channel":0,"num_words":1,"start":88.909996,"end":89.409996},{"sentences":[{"text":"Number three, the line was Omar.","start":91.46,"end":95.08,"sentiment":"neutral","sentiment_score":0.02437651374687751},{"text":"Where is he going?","start":95.46,"end":100.92,"sentiment":"neutral","sentiment_score":0.0330057255923748}],"sentiment":"neutral","sentiment_score":0.02782819848507643,"channel":1,"num_words":10,"start":91.46,"end":100.92},{"sentences":[{"text":"That's okay.","start":101.715,"end":102.275,"sentiment":"neutral","sentiment_score":0.057593684643507}],"sentiment":"neutral","sentiment_score":0.057593684643507,"channel":0,"num_words":2,"start":101.715,"end":102.275},{"sentences":[{"text":"I've","start":102.075,"end":102.575,"sentiment":"neutral","sentiment_score":0.0330335907638073}],"sentiment":"neutral","sentiment_score":0.0330335907638073,"channel":1,"num_words":1,"start":102.075,"end":102.575},{"sentences":[{"text":"That's okay.","start":102.275,"end":102.835,"sentiment":"neutral","sentiment_score":0.16395002603530884},{"text":"You did awesome.","start":102.835,"end":103.635,"sentiment":"positive","sentiment_score":0.6314288377761841},{"text":"Thank you so much for 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later?","start":115.990005,"end":119.350006,"sentiment":"neutral","sentiment_score":0.06297275292522767},{"text":"What's your preference?","start":119.350006,"end":120.490005,"sentiment":"neutral","sentiment_score":0.04435783500472704},{"text":"Yeah.","start":125.345,"end":125.845,"sentiment":"neutral","sentiment_score":0.11516638845205308}],"sentiment":"neutral","sentiment_score":0.09786129638552665,"channel":0,"num_words":25,"start":114.71001,"end":125.845},{"sentences":[{"text":"Absolutely.","start":125.985,"end":126.485,"sentiment":"neutral","sentiment_score":0.22216960787773132},{"text":"Not an issue at all.","start":127.905,"end":129.285,"sentiment":"neutral","sentiment_score":0.11542166545987129},{"text":"So, Troy, after our last call, I've gone back and had a really good look at your file, gone through, and just sort of, you know, updated the investment switch there.","start":129.825,"end":138.39,"sentiment":"neutral","sentiment_score":0.19520072050152287},{"text":"We're essentially having a look at your investments.","start":138.63,"end":141.19,"sentiment":"neutral","sentiment_score":0.0014699571765959263},{"text":"It looks like one or two of them are underperforming a little bit there at the moment with what's been happening in the market.","start":141.19,"end":146.81,"sentiment":"neutral","sentiment_score":-0.29281904951979715}],"sentiment":"neutral","sentiment_score":-0.002397061744029971,"channel":0,"num_words":69,"start":125.985,"end":146.81},{"sentences":[{"text":"So I have","start":146.87,"end":147.83,"sentiment":"neutral","sentiment_score":0.006720994909604392}],"sentiment":"neutral","sentiment_score":0.006720994909604392,"channel":0,"num_words":3,"start":146.87,"end":147.83},{"sentences":[{"text":"Yes.","start":147.79999,"end":148.29999,"sentiment":"neutral","sentiment_score":0.1682799905538559}],"sentiment":"neutral","sentiment_score":0.1682799905538559,"channel":1,"num_words":1,"start":147.79999,"end":148.29999},{"sentences":[{"text":"made a bit of a recommendation to make some changes to your investments, but still keeping you in that high growth environment, which is where you're comfortable being for the time being.","start":147.83,"end":157.795,"sentiment":"neutral","sentiment_score":0.20319774351082742},{"text":"And because you don't","start":157.795,"end":158.75499,"sentiment":"neutral","sentiment_score":0.08659577369689941}],"sentiment":"neutral","sentiment_score":0.19024196908705765,"channel":0,"num_words":36,"start":147.83,"end":158.75499},{"sentences":[{"text":"Yes.","start":158.51999,"end":158.925,"sentiment":"neutral","sentiment_score":0.007691334933042526}],"sentiment":"neutral","sentiment_score":0.007691334933042526,"channel":1,"num_words":1,"start":158.51999,"end":158.925},{"sentences":[{"text":"wanna retire to the age of 60 65 there at the moment, that's still fine and appropriate for you.","start":158.75499,"end":166.295,"sentiment":"neutral","sentiment_score":-0.008702453421918969},{"text":"So what","start":166.81,"end":167.21,"sentiment":"neutral","sentiment_score":0.17592990398406982}],"sentiment":"neutral","sentiment_score":0.00888158061674663,"channel":0,"num_words":21,"start":158.75499,"end":167.21},{"sentences":[{"text":"Yes.","start":167.16501,"end":167.66501,"sentiment":"neutral","sentiment_score":0.2722364068031311}],"sentiment":"neutral","sentiment_score":0.2722364068031311,"channel":1,"num_words":1,"start":167.16501,"end":167.66501},{"sentences":[{"text":"I am recommending there for you, Troy, is that we are going to just rebalance some of your portfolio.","start":167.21,"end":173.23001,"sentiment":"neutral","sentiment_score":0.3237334795688328},{"text":"So we'll sell off a little bit of the battery of lithium taxes, bringing it back to 5%.","start":173.53,"end":178.75,"sentiment":"neutral","sentiment_score":0.1372255240049627},{"text":"We're 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investment","start":216.385,"end":220.76,"sentiment":"neutral","sentiment_score":-0.3139051038485307}],"sentiment":"neutral","sentiment_score":-0.3139051038485307,"channel":0,"num_words":13,"start":216.385,"end":220.76},{"sentences":[{"text":"Yes.","start":220.575,"end":221.075,"sentiment":"neutral","sentiment_score":-0.13964727520942688}],"sentiment":"neutral","sentiment_score":-0.13964727520942688,"channel":1,"num_words":1,"start":220.575,"end":221.075},{"sentences":[{"text":"to have.","start":220.81999,"end":221.37999,"sentiment":"neutral","sentiment_score":-0.09381794929504395},{"text":"So we're going to remove that from your portfolio completely and put you into the beta says 8,200.","start":221.37999,"end":228.28,"sentiment":"neutral","sentiment_score":-0.017447030999594264},{"text":"So it's still giving you exposure into the Australian market.","start":228.42,"end":232.36,"sentiment":"neutral","sentiment_score":0.18030382245779036},{"text":"It's actually giving you more diversification, which can help to reduce the risk of your portfolio.","start":232.655,"end":237.315,"sentiment":"neutral","sentiment_score":0.26818772219121456},{"text":"But when we look at the changes that are being made, the adding beta share as the a 200 into there actually is cheaper for you.","start":238.175,"end":247.875,"sentiment":"neutral","sentiment_score":0.15002812875004914}],"sentiment":"neutral","sentiment_score":0.13184848153549764,"channel":0,"num_words":72,"start":220.81999,"end":247.875},{"sentences":[{"text":"So","start":248.48999,"end":248.89,"sentiment":"neutral","sentiment_score":0.0694543793797493}],"sentiment":"neutral","sentiment_score":0.0694543793797493,"channel":0,"num_words":1,"start":248.48999,"end":248.89},{"sentences":[{"text":"Okay.","start":248.72499,"end":249.22499,"sentiment":"neutral","sentiment_score":0.047105640172958374}],"sentiment":"neutral","sentiment_score":0.047105640172958374,"channel":1,"num_words":1,"start":248.72499,"end":249.22499},{"sentences":[{"text":"by making these changes, it saves you about $498 for the year on investment fees.","start":248.89,"end":254.48999,"sentiment":"positive","sentiment_score":0.5565907458464304},{"text":"So it makes your portfolio cheaper, save you on fees, and it's actually performed a lot better than what your current portfolio has been.","start":254.48999,"end":264.685,"sentiment":"positive","sentiment_score":0.7123872203131517},{"text":"So we wanted to make the switch, rebalance things a little bit, make sure you're not overexposed to risk in the current climate that we're seeing, but also make sure that your portfolio is being performing well and that it has that it can perform just as well in the future.","start":264.685,"end":281.04,"sentiment":"positive","sentiment_score":0.40019816255160406},{"text":"Does that make sense?","start":281.1,"end":282.24002,"sentiment":"neutral","sentiment_score":0.17923729494214058}],"sentiment":"positive","sentiment_score":0.4954596802671539,"channel":0,"num_words":94,"start":248.89,"end":282.24002},{"sentences":[{"text":"Yes.","start":282.77502,"end":283.255,"sentiment":"neutral","sentiment_score":0.2764418125152588},{"text":"I'm good.","start":283.255,"end":283.995,"sentiment":"positive","sentiment_score":0.41734571754932404}],"sentiment":"positive","sentiment_score":0.3703777492046356,"channel":1,"num_words":3,"start":282.77502,"end":283.995},{"sentences":[{"text":"Yep.","start":283.90002,"end":284.40002,"sentiment":"positive","sentiment_score":0.4307863414287567},{"text":"Beautiful.","start":284.46002,"end":284.96002,"sentiment":"positive","sentiment_score":0.6232844591140747},{"text":"Essentially, the newer portfolios average the higher rate of return.","start":286.255,"end":289.535,"sentiment":"positive","sentiment_score":0.4757031679153442},{"text":"And when you look at the document there, you'll see some updated projections.","start":289.535,"end":292.675,"sentiment":"neutral","sentiment_score":0.315474102130303},{"text":"But over the next ten years, you'll see it can provide you with a greater level of if, you know, if the market's performed the way it has, it can provide you with a greater projection than what your current portfolio has.","start":292.815,"end":304.34998,"sentiment":"positive","sentiment_score":0.4269212576605025}],"sentiment":"positive","sentiment_score":0.4155665467034525,"channel":0,"num_words":67,"start":283.90002,"end":304.34998},{"sentences":[{"text":"So we do wanna keep watching and monitoring that, and we'll make sure that we keep reviewing this with you every year as well.","start":304.34998,"end":311.16998,"sentiment":"neutral","sentiment_score":0.21063360075155893},{"text":"Okay?","start":311.22998,"end":311.72998,"sentiment":"neutral","sentiment_score":0.05998760834336281}],"sentiment":"neutral","sentiment_score":0.2046077610552311,"channel":0,"num_words":25,"start":304.34998,"end":311.72998},{"sentences":[{"text":"Yeah.","start":311.705,"end":312.205,"sentiment":"neutral","sentiment_score":0.04422812908887863},{"text":"Is it every year, is it?","start":312.505,"end":314.605,"sentiment":"neutral","sentiment_score":0.024835772191484768},{"text":"No.","start":315.145,"end":315.645,"sentiment":"neutral","sentiment_score":-0.017387691885232925}],"sentiment":"neutral","sentiment_score":0.02198188379406929,"channel":1,"num_words":8,"start":311.705,"end":315.645},{"sentences":[{"text":"Yeah.","start":315.165,"end":315.565,"sentiment":"neutral","sentiment_score":-0.005484605208039284},{"text":"So yeah.","start":315.565,"end":317.165,"sentiment":"neutral","sentiment_score":-0.008130203932523727},{"text":"Sorry.","start":317.165,"end":317.665,"sentiment":"neutral","sentiment_score":-0.012573123909533024},{"text":"Yeah.","start":322.445,"end":322.845,"sentiment":"neutral","sentiment_score":0.014972089789807796},{"text":"Yeah.","start":322.845,"end":323.345,"sentiment":"neutral","sentiment_score":0.02958100661635399}],"sentiment":"neutral","sentiment_score":0.001705826570590337,"channel":0,"num_words":6,"start":315.165,"end":323.345},{"sentences":[{"text":"Absolutely.","start":323.805,"end":324.305,"sentiment":"neutral","sentiment_score":0.04196565970778465},{"text":"Did you want a catch up once every three months or six months?","start":325.085,"end":328.5,"sentiment":"neutral","sentiment_score":0.026111129957896013},{"text":"Or how how often would you kind of prefer a review?","start":328.5,"end":331.64,"sentiment":"neutral","sentiment_score":0.0144641473042694}],"sentiment":"neutral","sentiment_score":0.02162063878029585,"channel":0,"num_words":25,"start":323.805,"end":331.64},{"sentences":[{"text":"Maybe six months.","start":332.63498,"end":334.07498,"sentiment":"neutral","sentiment_score":-0.003108304770042499},{"text":"But, yeah, I'm","start":334.07498,"end":334.955,"sentiment":"neutral","sentiment_score":-0.01385929404447476}],"sentiment":"neutral","sentiment_score":-0.00848379940725863,"channel":1,"num_words":6,"start":332.63498,"end":334.955},{"sentences":[{"text":"Six","start":334.66,"end":334.98,"sentiment":"neutral","sentiment_score":-0.02127571403980255}],"sentiment":"neutral","sentiment_score":-0.02127571403980255,"channel":0,"num_words":1,"start":334.66,"end":334.98},{"sentences":[{"text":"not.","start":334.955,"end":335.455,"sentiment":"neutral","sentiment_score":-0.028300542384386063}],"sentiment":"neutral","sentiment_score":-0.028300542384386063,"channel":1,"num_words":1,"start":334.955,"end":335.455},{"sentences":[{"text":"months?","start":334.98,"end":335.48,"sentiment":"neutral","sentiment_score":-0.018649641424417496}],"sentiment":"neutral","sentiment_score":-0.018649641424417496,"channel":0,"num_words":1,"start":334.98,"end":335.48},{"sentences":[{"text":"Yeah.","start":335.91498,"end":336.395,"sentiment":"neutral","sentiment_score":-0.02357683889567852},{"text":"I'm not.","start":336.395,"end":337.13498,"sentiment":"neutral","sentiment_score":-0.03262719511985779},{"text":"No music","start":339.035,"end":339.695,"sentiment":"neutral","sentiment_score":-0.035321060568094254}],"sentiment":"neutral","sentiment_score":-0.03189467005431652,"channel":1,"num_words":5,"start":335.91498,"end":339.695},{"sentences":[{"text":"That's","start":339.54,"end":339.86002,"sentiment":"neutral","sentiment_score":-0.026953158900141716}],"sentiment":"neutral","sentiment_score":-0.026953158900141716,"channel":0,"num_words":1,"start":339.54,"end":339.86002},{"sentences":[{"text":"thing","start":339.835,"end":340.155,"sentiment":"neutral","sentiment_score":-0.01906486228108406}],"sentiment":"neutral","sentiment_score":-0.01906486228108406,"channel":1,"num_words":1,"start":339.835,"end":340.155},{"sentences":[{"text":"okay.","start":339.86002,"end":340.36002,"sentiment":"neutral","sentiment_score":-0.007113706320524216}],"sentiment":"neutral","sentiment_score":-0.007113706320524216,"channel":0,"num_words":1,"start":339.86002,"end":340.36002},{"sentences":[{"text":"to the end.","start":340.155,"end":341.055,"sentiment":"neutral","sentiment_score":-0.0036045508459210396}],"sentiment":"neutral","sentiment_score":-0.0036045508459210396,"channel":1,"num_words":3,"start":340.155,"end":341.055},{"sentences":[{"text":"Yeah.","start":341.635,"end":342.115,"sentiment":"neutral","sentiment_score":0.04372001066803932},{"text":"Not a problem.","start":342.115,"end":342.835,"sentiment":"neutral","sentiment_score":0.11831791698932648},{"text":"I'll put it down here that you wanna a bit of a catch up every six months for you, and we'll make sure in six months' time, we book you back in for a bit of a catch up to see how things are tracking easily.","start":342.835,"end":353.015,"sentiment":"neutral","sentiment_score":0.15375367552042007}],"sentiment":"neutral","sentiment_score":0.14942685671150685,"channel":0,"num_words":50,"start":341.635,"end":353.015},{"sentences":[{"text":"Tell me my balance at the moment?","start":356.795,"end":359.45502,"sentiment":"neutral","sentiment_score":0.04525756037661007}],"sentiment":"neutral","sentiment_score":0.04525756037661007,"channel":1,"num_words":7,"start":356.795,"end":359.45502},{"sentences":[{"text":"Yeah.","start":360.03,"end":360.43,"sentiment":"neutral","sentiment_score":0.04824736341834068},{"text":"Absolutely.","start":360.43,"end":360.93,"sentiment":"neutral","sentiment_score":0.05912679433822632},{"text":"So","start":362.03,"end":362.50998,"sentiment":"neutral","sentiment_score":0.02846851944923401}],"sentiment":"neutral","sentiment_score":0.04528089240193367,"channel":0,"num_words":3,"start":360.03,"end":362.50998},{"sentences":[{"text":"Is it going up or going down?","start":362.475,"end":365.375,"sentiment":"neutral","sentiment_score":0.03872578138751643}],"sentiment":"neutral","sentiment_score":0.03872578138751643,"channel":1,"num_words":7,"start":362.475,"end":365.375},{"sentences":[{"text":"yeah.","start":367.07,"end":367.47,"sentiment":"neutral","sentiment_score":0.05571621656417847},{"text":"Absolutely.","start":367.47,"end":367.97,"sentiment":"neutral","sentiment_score":0.09577160328626633},{"text":"So let me just pull up your last review documents just to see where things were when we last caught up there.","start":368.43,"end":374.045,"sentiment":"neutral","sentiment_score":0.11256378042426976},{"text":"That way","start":374.585,"end":374.98502,"sentiment":"neutral","sentiment_score":0.10858622565865517}],"sentiment":"neutral","sentiment_score":0.1094255169423727,"channel":0,"num_words":26,"start":367.07,"end":374.98502},{"sentences":[{"text":"Yes.","start":374.96,"end":375.46,"sentiment":"neutral","sentiment_score":0.14292748272418976}],"sentiment":"neutral","sentiment_score":0.14292748272418976,"channel":1,"num_words":1,"start":374.96,"end":375.46},{"sentences":[{"text":"we can give you a bit of a comparison.","start":374.98502,"end":376.605,"sentiment":"neutral","sentiment_score":0.12069127046399647},{"text":"And you're in a hub.","start":380.825,"end":382.20502,"sentiment":"neutral","sentiment_score":0.011819036304950714},{"text":"Sorry.","start":388.68,"end":388.92,"sentiment":"neutral","sentiment_score":-0.03584519028663635},{"text":"It won't be a second.","start":388.92,"end":389.80002,"sentiment":"neutral","sentiment_score":-0.06546113342046737},{"text":"My computer's a little bit slow.","start":389.80002,"end":391.74,"sentiment":"neutral","sentiment_score":-0.1537161519130071}],"sentiment":"neutral","sentiment_score":-0.005389659737165158,"channel":0,"num_words":26,"start":374.98502,"end":391.74},{"sentences":[{"text":"I do not.","start":392.535,"end":393.515,"sentiment":"negative","sentiment_score":-0.43781277537345886},{"text":"You're in the gold case, don't you?","start":393.575,"end":395.99503,"sentiment":"neutral","sentiment_score":-0.1557561797755105}],"sentiment":"neutral","sentiment_score":-0.24037315845489501,"channel":1,"num_words":10,"start":392.535,"end":395.99503},{"sentences":[{"text":"Yeah.","start":397.165,"end":397.48502,"sentiment":"neutral","sentiment_score":-0.01400794181972742},{"text":"Yeah.","start":397.48502,"end":397.725,"sentiment":"neutral","sentiment_score":0.002263735979795456},{"text":"On the Gold 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see it every week.","start":655.655,"end":656.955,"sentiment":"neutral","sentiment_score":0.06655640453100205}],"sentiment":"neutral","sentiment_score":0.06655640453100205,"channel":0,"num_words":5,"start":655.655,"end":656.955},{"sentences":[{"text":"it's it's that gun that's been missing me.","start":657.41,"end":659.67,"sentiment":"neutral","sentiment_score":0.01418754376936704},{"text":"It's just","start":660.05,"end":660.37,"sentiment":"neutral","sentiment_score":0.04753923788666725}],"sentiment":"neutral","sentiment_score":0.02085788259282708,"channel":1,"num_words":10,"start":657.41,"end":660.37},{"sentences":[{"text":"Yeah.","start":660.85,"end":661.35,"sentiment":"neutral","sentiment_score":0.09309102594852448}],"sentiment":"neutral","sentiment_score":0.09309102594852448,"channel":0,"num_words":1,"start":660.85,"end":661.35},{"sentences":[{"text":"still doing 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you're it's","start":686.08,"end":690.4,"sentiment":"neutral","sentiment_score":0.25393628435475485}],"sentiment":"neutral","sentiment_score":0.25393628435475485,"channel":0,"num_words":14,"start":686.08,"end":690.4},{"sentences":[{"text":"said.","start":690.2,"end":690.7,"sentiment":"neutral","sentiment_score":0.16949260234832764}],"sentiment":"neutral","sentiment_score":0.16949260234832764,"channel":1,"num_words":1,"start":690.2,"end":690.7},{"sentences":[{"text":"pretax money, but it's going in and compounding towards when something as simple as $20 compounded, you know, and even at a three or a four or 10% interest rate over, you know, twenty odd years, it","start":690.4,"end":703.875,"sentiment":"neutral","sentiment_score":0.17831656598561518}],"sentiment":"neutral","sentiment_score":0.17831656598561518,"channel":0,"num_words":37,"start":690.4,"end":703.875},{"sentences":[{"text":"Yes.","start":704.055,"end":704.555,"sentiment":"neutral","sentiment_score":0.2691665291786194}],"sentiment":"neutral","sentiment_score":0.2691665291786194,"channel":1,"num_words":1,"start":704.055,"end":704.555},{"sentences":[{"text":"grows pretty large.","start":704.335,"end":705.79504,"sentiment":"positive","sentiment_score":0.4272386133670807},{"text":"So it could it's definitely gonna provide a benefit.","start":706.335,"end":708.835,"sentiment":"positive","sentiment_score":0.5339119335015615},{"text":"I would continue doing it most 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moment?","start":1168.255,"end":1171.635,"sentiment":"neutral","sentiment_score":-0.027018248103559017}],"sentiment":"neutral","sentiment_score":-0.0837683193385601,"channel":0,"num_words":29,"start":1155.76,"end":1171.635},{"sentences":[{"text":"No.","start":1174.785,"end":1175.285,"sentiment":"neutral","sentiment_score":-0.18636006116867063}],"sentiment":"neutral","sentiment_score":-0.18636006116867063,"channel":1,"num_words":1,"start":1174.785,"end":1175.285},{"sentences":[{"text":"No.","start":1176.095,"end":1176.595,"sentiment":"neutral","sentiment_score":-0.22987326979637143}],"sentiment":"neutral","sentiment_score":-0.22987326979637143,"channel":0,"num_words":1,"start":1176.095,"end":1176.595},{"sentences":[{"text":"I can't get a net net billing.","start":1176.225,"end":1180.405,"sentiment":"neutral","sentiment_score":-0.25666006973811556},{"text":"I don't know where I'm at.","start":1181.065,"end":1183.605,"sentiment":"neutral","sentiment_score":-0.19381564110517502}],"sentiment":"neutral","sentiment_score":-0.22765494883060455,"channel":1,"num_words":13,"start":1176.225,"end":1183.605},{"sentences":[{"text":"There might be a little text box on the back there as well, and it might have a you might just need to put NA or is it is it a little text box there at all that's asking you for something?","start":1185.95,"end":1197.845,"sentiment":"neutral","sentiment_score":-0.07447476081904911}],"sentiment":"neutral","sentiment_score":-0.07447476081904911,"channel":0,"num_words":42,"start":1185.95,"end":1197.845},{"sentences":[{"text":"No.","start":1200.665,"end":1201.165,"sentiment":"neutral","sentiment_score":-0.05746479332447052},{"text":"I got FIWNEQE, but no worries.","start":1203.065,"end":1210.6849,"sentiment":"neutral","sentiment_score":-0.0384509451687336},{"text":"Main.","start":1212.025,"end":1212.525,"sentiment":"neutral","sentiment_score":-0.03441494330763817},{"text":"I hit and won't be let me just come up and send me.","start":1215.9,"end":1226.0,"sentiment":"neutral","sentiment_score":-0.14407555013895035}],"sentiment":"neutral","sentiment_score":-0.1045508361643269,"channel":1,"num_words":21,"start":1200.665,"end":1226.0},{"sentences":[{"text":"Yeah.","start":1230.605,"end":1231.105,"sentiment":"neutral","sentiment_score":0.032384783029556274},{"text":"That's okay.","start":1231.74,"end":1232.46,"sentiment":"neutral","sentiment_score":0.07929442077875137},{"text":"If you get stuck, let me know.","start":1232.46,"end":1234.32,"sentiment":"neutral","sentiment_score":-0.00116198297057833},{"text":"And, yeah, once it comes through, I'll I'll make sure I download it and send you a copy.","start":1234.46,"end":1239.52,"sentiment":"neutral","sentiment_score":0.0949937231424782},{"text":"Okay?","start":1239.74,"end":1240.24,"sentiment":"neutral","sentiment_score":0.08645167201757431}],"sentiment":"neutral","sentiment_score":0.0682475321508687,"channel":0,"num_words":29,"start":1230.605,"end":1240.24},{"sentences":[{"text":"Alright.","start":1241.47,"end":1241.97,"sentiment":"neutral","sentiment_score":0.1114732176065445}],"sentiment":"neutral","sentiment_score":0.1114732176065445,"channel":1,"num_words":1,"start":1241.47,"end":1241.97},{"sentences":[{"text":"No worries, Troy.","start":1243.18,"end":1244.06,"sentiment":"neutral","sentiment_score":0.16757450004418692},{"text":"If you do find you have any questions, let me know.","start":1244.06,"end":1246.3,"sentiment":"neutral","sentiment_score":0.14367354144765573},{"text":"I'm more than happy to help, and I'll get on the hub twenty four and find out if they can re email you the login","start":1246.3,"end":1251.635,"sentiment":"positive","sentiment_score":0.49733087301254275}],"sentiment":"positive","sentiment_score":0.37221549439411133,"channel":0,"num_words":39,"start":1243.18,"end":1251.635},{"sentences":[{"text":"Thank","start":1251.47,"end":1251.97,"sentiment":"positive","sentiment_score":0.47104862332344055}],"sentiment":"positive","sentiment_score":0.47104862332344055,"channel":1,"num_words":1,"start":1251.47,"end":1251.97},{"sentences":[{"text":"information.","start":1251.635,"end":1252.135,"sentiment":"positive","sentiment_score":0.3703864216804504}],"sentiment":"positive","sentiment_score":0.3703864216804504,"channel":0,"num_words":1,"start":1251.635,"end":1252.135},{"sentences":[{"text":"you.","start":1252.5099,"end":1253.0099,"sentiment":"neutral","sentiment_score":0.1545584797859192}],"sentiment":"neutral","sentiment_score":0.1545584797859192,"channel":1,"num_words":1,"start":1252.5099,"end":1253.0099},{"sentences":[{"text":"Okay?","start":1252.515,"end":1253.015,"sentiment":"neutral","sentiment_score":0.14255818724632263}],"sentiment":"neutral","sentiment_score":0.14255818724632263,"channel":0,"num_words":1,"start":1252.515,"end":1253.015},{"sentences":[{"text":"Yeah.","start":1253.63,"end":1254.13,"sentiment":"neutral","sentiment_score":0.17622247338294983},{"text":"Alright.","start":1254.19,"end":1254.6699,"sentiment":"neutral","sentiment_score":0.2641427516937256},{"text":"Thank you.","start":1254.6699,"end":1255.6499,"sentiment":"positive","sentiment_score":0.6877464056015015}],"sentiment":"positive","sentiment_score":0.4539645090699196,"channel":1,"num_words":4,"start":1253.63,"end":1255.6499},{"sentences":[{"text":"No worries.","start":1255.991,"end":1256.7109,"sentiment":"positive","sentiment_score":0.42630229890346527},{"text":"Thanks so much.","start":1256.7109,"end":1257.591,"sentiment":"positive","sentiment_score":0.7513251701990763},{"text":"Talk to you soon.","start":1257.591,"end":1258.5509,"sentiment":"positive","sentiment_score":0.5263751745223999},{"text":"See you later.","start":1258.5509,"end":1259.4509,"sentiment":"positive","sentiment_score":0.3971014122168223}],"sentiment":"positive","sentiment_score":0.5336154202620188,"channel":0,"num_words":12,"start":1255.991,"end":1259.4509},{"sentences":[{"text":"I will give you a call.","start":1259.0349,"end":1260.495,"sentiment":"neutral","sentiment_score":0.26458056767781574},{"text":"Say that.","start":1260.5549,"end":1261.2949,"sentiment":"neutral","sentiment_score":0.2126857414841652}],"sentiment":"neutral","sentiment_score":0.2516068611294031,"channel":1,"num_words":8,"start":1259.0349,"end":1261.2949},{"sentences":[{"text":"You too.","start":1260.9509,"end":1261.6709,"sentiment":"neutral","sentiment_score":0.23706725984811783}],"sentiment":"neutral","sentiment_score":0.23706725984811783,"channel":0,"num_words":2,"start":1260.9509,"end":1261.6709},{"sentences":[{"text":"Bye.","start":1261.355,"end":1261.855,"sentiment":"neutral","sentiment_score":0.21202990412712097}],"sentiment":"neutral","sentiment_score":0.21202990412712097,"channel":1,"num_words":1,"start":1261.355,"end":1261.855},{"sentences":[{"text":"Thanks, Joy.","start":1261.6709,"end":1262.731,"sentiment":"positive","sentiment_score":0.6969887614250183},{"text":"Bye.","start":1262.8708,"end":1263.3708,"sentiment":"neutral","sentiment_score":-0.12390843778848648}],"sentiment":"positive","sentiment_score":0.4233563616871834,"channel":0,"num_words":3,"start":1261.6709,"end":1263.3708}]},"summary":{"result":"success","short":"Representatives from OB Financial make changes to customer's investment portfolios, including selling off battery and cybersecurity credits, buying credit cards, and rebalancing the portfolio. The agent also explains the benefits of investing in a regular basis and reducing risk of future financial challenges. The customer is advised to read through the information and provide feedback if needed. The life cover option is recommended for small increments and is estimated to cost $5.69 per week. The agent recommends the customer apply for the life cover to avoid paying premiums out of pocket and reduce risk of future financial challenges."},"intents":{"segments":[{"text":"I just had you booked in to go through an updated statement of advice for you. We've made some changes to updated recommendations. Is now still a good time? Yes.","start_word":30,"end_word":59,"intents":[{"intent":"Plan call","confidence_score":0.000645696}]},{"text":"I am recommending there for you, Troy, is that we are going to just rebalance some of your portfolio. So we'll sell off a little bit of the battery of lithium taxes, bringing it back to 5%. We're going Yes.","start_word":455,"end_word":494,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.454019}]},{"text":"Tell me my balance at the moment?","start_word":990,"end_word":996,"intents":[{"intent":"Check portfolio balance","confidence_score":0.0000051461775}]},{"text":"The contributions going in from CremSafe? Yeah.","start_word":1482,"end_word":1488,"intents":[{"intent":"Clarify contributions","confidence_score":0.045598995}]},{"text":"The other thing I just wanted to run through now last time we spoke, Troy, I'm not sure if this is still the same, but last time we spoke, we obviously tried to do to get life and TPD and income protection for you Yes.","start_word":1748,"end_word":1792,"intents":[{"intent":"Discuss coverage options for life cover","confidence_score":0.000009039429}]},{"text":"So I have made the recommendation in there for you to apply for that life cover. I've got the Yes.","start_word":2182,"end_word":2201,"intents":[{"intent":"Apply for life cover","confidence_score":0.1981768}]},{"text":"Do When I you need do the sorry? TriNet? Do I need the TriNet?","start_word":2610,"end_word":2623,"intents":[{"intent":"Recommend switching over to trinet","confidence_score":3.1230596e-7},{"intent":"Explain importance of trinet","confidence_score":0.0016163269}]},{"text":"With applying for just a life cover, I know Karen is your beneficiary on your hub twenty four super, and that's the way Yes.","start_word":2653,"end_word":2676,"intents":[{"intent":"Initiate contacting beneficiary","confidence_score":0.0011581745}]},{"text":"And I always sort of suggest to people as well, make sure that you let your beneficiary know that you we do look after your super just so in the event that something happens, she knows to call us, and we will help her with the claim.","start_word":2725,"end_word":2771,"intents":[{"intent":"Recommend contacting beneficiary","confidence_score":0.014288449}]},{"text":"So it's just something I like to kind of bring up and make sure that everyone's sort of aware of what's happening and where your super is and that you do have a financial adviser that helps you with it just so they know who to call and what to do in the event of something occurring. Okay?","start_word":2842,"end_word":2899,"intents":[{"intent":"Suggest reminder of super super status","confidence_score":0.00018480803}]},{"text":"So it's just something I like to kind of bring up and make sure that everyone's sort of aware of what's happening and where your super is and that you do have a financial adviser that helps you with it just so they know who to call and what to do in the event of something occurring. Okay? Yeah.","start_word":2842,"end_word":2900,"intents":[{"intent":"Recommend keeping recipient aware of super super situation","confidence_score":2.5700816e-8},{"intent":"Suggest contacting financial adviser","confidence_score":0.07065267}]},{"text":"In the document, when you do get a chance to read it over, I've got the advantages, the disadvantages, the risks involved of all the strategies there for you. I've also got the best interest duty there, which essentially links it back to your goal, and I'll let you know why the recommendations are in your best interest to go forward with.","start_word":2904,"end_word":2965,"intents":[{"intent":"Share recommendations and recommendations","confidence_score":0.00029360107}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Troy. It's Dana from OB Financial. How are you today?","start_word":0,"end_word":11,"sentiment":"neutral","sentiment_score":0.2044205218553543},{"text":"I'm good, dad. That's good. How's your day been?","start_word":12,"end_word":20,"sentiment":"positive","sentiment_score":0.5372135043144226},{"text":"Yeah. It's been so long. Yeah.","start_word":21,"end_word":26,"sentiment":"neutral","sentiment_score":0.12989044189453125},{"text":"All good.","start_word":27,"end_word":28,"sentiment":"positive","sentiment_score":0.4160759449005127},{"text":"Look. I just had you booked in to go through an updated statement of advice for you. We've made some changes to updated recommendations. Is now still a good time? Yes. Yes. Yep.","start_word":29,"end_word":61,"sentiment":"neutral","sentiment_score":0.1783747375011444},{"text":"Fabulous. All good.","start_word":62,"end_word":64,"sentiment":"positive","sentiment_score":0.4886654019355774},{"text":"Do you happen to have access to your emails? If you don't, that's absolutely fine. I can run through it and send it to you after. What would you prefer? Yeah. No. I'm running through there. That's okay. Not a problem. I'll run through the recommendations for you, give you a bit of an update on the parts that I need to, and then you're welcome to have a bit of a look at it later. If you find you have questions, you're welcome to let me know. Okay? Yeah. Yeah.","start_word":65,"end_word":155,"sentiment":"neutral","sentiment_score":0.11636842042207718},{"text":"I'm good. Excellent.","start_word":156,"end_word":158,"sentiment":"positive","sentiment_score":0.4169395864009857},{"text":"Now I'm sending you through your email there, the1@msn.com. That's still the same email? Yeah.","start_word":159,"end_word":173,"sentiment":"neutral","sentiment_score":0.15624083578586578},{"text":"Fantastic.","start_word":174,"end_word":174,"sentiment":"positive","sentiment_score":0.4496116042137146},{"text":"And I'll just do security with you and just confirm before we jump into the call, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yes. Who's this? Yeah. So I'll be listening. I'll just do a quick security check there with you. Just need to confirm your full name, date of birth, and address that you have on file there for you, Troy. 20 North is the 5th 1 in 82. Yep. Number three, the line was Omar. Where is he going? That's okay. I've That's okay.","start_word":175,"end_word":272,"sentiment":"neutral","sentiment_score":0.11119323968887328},{"text":"You did awesome. Thank you so much for that. You've got a lot going on. got that I've got that email in front of me. Oh, beautiful.","start_word":273,"end_word":299,"sentiment":"positive","sentiment_score":0.5127572417259216},{"text":"That's okay. Did you wanna look at the document, or did you wanna have us look at it later? What's your preference? Yeah. Absolutely. Not an issue at all. So, Troy, after our last call, I've gone back and had a really good look at your file, gone through, and just sort of, you know, updated the investment switch there. We're essentially having a look at your investments. It looks like one or two of them are underperforming a little bit there at the moment with what's been happening in the market. So I have Yes. made a bit of a recommendation to make some changes to your investments, but still keeping you in that high growth environment, which is where you're comfortable being for the time being. And because you don't Yes. wanna retire to the age of 60 65 there at the moment, that's still fine and appropriate for you. So what Yes. I am recommending there for you, Troy, is that we are going to just rebalance some of your portfolio. So we'll sell off a little bit of the battery of lithium taxes, bringing it back to 5%. We're going Yes. to buy a little bit more of cybersecurity. It has taken a bit of a dip recently.","start_word":300,"end_word":511,"sentiment":"neutral","sentiment_score":0.1071248986529854},{"text":"So buying a bit now means we're buying into the dip, which is a positive.","start_word":512,"end_word":526,"sentiment":"positive","sentiment_score":0.412691205739975},{"text":"Yes. We're going to just sort of rebalance the Asia and Europe and The US equities there for you a little bit. We're also gonna rebalance the Nasdaq. You've got some robotics and AI still keeping it, but just rebalancing a little bit. And then also, you've got your Bennelong Australian equities in there. So Bennelong has actually been underperforming very heavily over the past few months, so we're gonna sell that off completely and remove that. We've evaluated that as an investment, and it's no longer a good investment Yes. to have. So we're going to remove that from your portfolio completely and put you into the beta says 8,200. So it's still giving you exposure into the Australian market. It's actually giving you more diversification, which can help to reduce the risk of your portfolio. But when we look at the changes that are being made, the adding beta share as the a 200 into there actually is cheaper for you. So Okay.","start_word":527,"end_word":691,"sentiment":"neutral","sentiment_score":0.05314343795180321},{"text":"by making these changes, it saves you about $498 for the year on investment fees. So it makes your portfolio cheaper, save you on fees, and it's actually performed a lot better than what your current portfolio has been. So we wanted to make the switch, rebalance things a little bit, make sure you're not overexposed to risk in the current climate that we're seeing, but also make sure that your portfolio is being performing well and that it has that it can perform just as well in the future.","start_word":692,"end_word":781,"sentiment":"positive","sentiment_score":0.4958154261112213},{"text":"Does that make sense? Yes.","start_word":782,"end_word":786,"sentiment":"neutral","sentiment_score":0.2077278196811676},{"text":"I'm good. Yep. Beautiful. Essentially, the newer portfolios average the higher rate of return.","start_word":787,"end_word":800,"sentiment":"positive","sentiment_score":0.4596054852008819},{"text":"And when you look at the document there, you'll see some updated projections.","start_word":801,"end_word":813,"sentiment":"neutral","sentiment_score":0.31738778948783875},{"text":"But over the next ten years, you'll see it can provide you with a greater level of if, you know, if the market's performed the way it has, it can provide you with a greater projection than what your current portfolio has.","start_word":814,"end_word":855,"sentiment":"positive","sentiment_score":0.4248643219470978},{"text":"So we do wanna keep watching and monitoring that, and we'll make sure that we keep reviewing this with you every year as well. Okay? Yeah. Is it every year, is it? No. Yeah. So yeah. Sorry. Yeah. Yeah. Absolutely. Did you want a catch up once every three months or six months? Or how how often would you kind of prefer a review? Maybe six months. But, yeah, I'm Six not. months? Yeah. I'm not. No music That's thing okay. to the end. Yeah. Not a problem. I'll put it down here that you wanna a bit of a catch up every six months for you, and we'll make sure in six months' time, we book you back in for a bit of a catch up to see how things are tracking easily. Tell me my balance at the moment? Yeah. Absolutely. So Is it going up or going down? yeah. Absolutely. So let me just pull up your last review documents just to see where things were when we last caught up there. That way Yes. we can give you a bit of a comparison. And you're in a hub. Sorry. It won't be a second. My computer's a little bit slow.","start_word":856,"end_word":1059,"sentiment":"neutral","sentiment_score":0.07129830121994019},{"text":"I do not.","start_word":1060,"end_word":1062,"sentiment":"negative","sentiment_score":-0.4362830519676209},{"text":"You're in the gold case, don't you? Yeah. Yeah. On the Gold Coast. Yeah. Yes. It's raining Yes. here at the moment.","start_word":1063,"end_word":1084,"sentiment":"neutral","sentiment_score":-0.07331451028585434},{"text":"Horrible and wet.","start_word":1085,"end_word":1087,"sentiment":"negative","sentiment_score":-0.6971806883811951},{"text":"Oh, really?","start_word":1088,"end_word":1089,"sentiment":"neutral","sentiment_score":-0.26143383979797363},{"text":"Seems to be everywhere. Can't win at the moment with that weather. It's been raining all week on and off. It's been a bit crazy.","start_word":1090,"end_word":1114,"sentiment":"negative","sentiment_score":-0.47735998034477234},{"text":"Yep. Yeah. No. Yeah. All good. Yep.","start_word":1115,"end_word":1121,"sentiment":"neutral","sentiment_score":-0.05114272981882095},{"text":"I can't get back into the app.","start_word":1122,"end_word":1128,"sentiment":"negative","sentiment_score":-0.3739393651485443},{"text":"Oh, can't you? Okay. Did you want me to get them to resend or send, like, a new email to you or send a new card to see if you can get in? I'm not Yes? at least looking That's okay. I'll contact 24 and find out at what they can do to help it. you there. That that's the one that I've looked at anything. Is it? I Sorry looked to at my Is that I have any further? Is that all the same balance and everything? Is it Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Absolutely. Yeah. So Yeah. having a look at your balance at the moment, I'm just pulling up a report to see where it was last year. But the balance in the advice document we have, there is a hun a 150,148, and your balance as of today is slightly higher. So Okay. yeah, so your balance as of today, we're currently sitting at where are we? Let's go back to the other screen. Sorry. I'm just pulling up for a quick report, but also kinda jumping back through the screens to grab the information for you. Yeah. Yeah. So There good. we go. Okay. So the balance in the account as of today, we've got a 150,289 in there. So it has gone up since we did the advice document up. And in Yes. the last twelve months there, the portfolio, Walter, is up because of what's been happening in the markets this year and with Benelon being down a little bit. You still got a positive return of 3.3%, but it is a much smaller positive return than we would like. But you Yeah. are definitely up from this from this same time last year. So twelve Yeah. months Okay. ago, you had a balance of about 136,000, and so now you're up to 150. Yeah. Yeah. Okay. So Yeah.","start_word":1129,"end_word":1447,"sentiment":"neutral","sentiment_score":0.037748801025640814},{"text":"All good.","start_word":1448,"end_word":1449,"sentiment":"positive","sentiment_score":0.5973009467124939},{"text":"and The can you can you say in my personal company, CC? So I pay that every week or every month, maybe I do it. Mhmm. Do you say that or not? The contributions going in from CremSafe? Yeah. Yep. Yeah. We see that. Absolutely. Yeah. They're going in every week. You've still got your employer contributions and your sales stack going in there as well. It's all going I in said properly. you you stated that that employee. Yeah. Yeah. We see all that in there. That Yeah. is that is that speaking of for me to keep putting that in there, like, too? Yep. Doing? That's the $25 every week, I believe. Yeah. Is that Yep. still Ruth's? Yeah. Yeah. It's still going in there. Yeah. Absolutely. Yeah. Yeah. I But can see it every week. it's it's that gun that's been missing me. It's just Yeah. still doing that.","start_word":1450,"end_word":1601,"sentiment":"neutral","sentiment_score":0.08695531636476517},{"text":"Absolutely gonna benefit you.","start_word":1602,"end_word":1605,"sentiment":"positive","sentiment_score":0.34345680475234985},{"text":"Yeah. So, essentially, it's going in as a salary sacrifice contribution. And so putting money in on a regular basis, even something as small as $25 every week, when you look at this between now to when you turn 65, that $25 being invested and compound into the market is a really beneficial thing. Yeah. You're I helping to sort of lower your tax rate a little bit because you're it's said. pretax money, but it's going in and compounding towards when something as simple as $20 compounded, you know, and even at a three or a four or 10% interest rate over, you know, twenty odd years, it Yes.","start_word":1606,"end_word":1715,"sentiment":"neutral","sentiment_score":0.2502771317958832},{"text":"grows pretty large. So it could it's definitely gonna provide a benefit. I would continue doing it most definitely.","start_word":1716,"end_word":1734,"sentiment":"positive","sentiment_score":0.5110027194023132},{"text":"Yes. Okay.","start_word":1735,"end_word":1736,"sentiment":"neutral","sentiment_score":0.28540515899658203},{"text":"All good. All good.","start_word":1737,"end_word":1740,"sentiment":"positive","sentiment_score":0.453336238861084},{"text":"Yeah. Yeah. Yeah.","start_word":1741,"end_word":1743,"sentiment":"neutral","sentiment_score":0.24964131911595663},{"text":"Beautiful.","start_word":1744,"end_word":1744,"sentiment":"positive","sentiment_score":0.5379337072372437},{"text":"No. All good. The other thing I just wanted to run through now last time we spoke, Troy, I'm not sure if this is still the same, but last time we spoke, we obviously tried to do to get life and TPD and income protection for you Yes. last year, but we weren't able to because of the cerebral palsy. The insurers aren't offering any kind of disability cover because of it. So you Yes. asked me to see if I could go back and just get some life cover. So in the event that you would have passed away, you would have cover for 500,000, and that covers Yes. both of your mortgages. So I did go back, and I've done a lot of research around that in the past few months to find out what's gonna be offered. And Yes. it looks like Ascender are gonna offer life cover only for the 500,000. We did Yes. put to them that you do have cerebral palsy, and they've said as long as there's no cognitive issues, there's there's not a problem at all. They don't see any issue with that. So it's basically coming back that you can have a life only to with a benefit amount of 500,000 to be paid out of your super funds. So you're not having to pay the premiums out of your back pocket. And it's estimated to cost about $296 pay for the first year. So only a very little cost. If you sort of break that down to a weekly amount, it's about about $5.69 per week to give you $500 500,000 worth of life cover. Is that Okay? is that maybe yeah. That is the first year. It does get more and more expensive, so it does increase every year as you get older and older. But it's Right. only in it's generally only at very small increments. That normally increases by between two to 5% depending on their increasing each year. But we review Yes. the level of cover with you. So if it increases next year and you go, hey. That's a bit too expensive, we can always reduce it back a little bit. Yes. But along with the increase in price, the amount is also indexed. So, like, if you, you know, hold this cover for the next sort of five years, it'll go from $500,000 worth of cover to maybe $550,000 worth of cover. So the benefit amount that you're covered for is also indexed and increases along sorry, with the policy increase as well. Does that make sense? Yes. Yes. Yes.","start_word":1745,"end_word":2180,"sentiment":"neutral","sentiment_score":0.06433116741170851},{"text":"Beautiful. So I have made the recommendation in there for you to apply for that life cover.","start_word":2181,"end_word":2197,"sentiment":"positive","sentiment_score":0.4123621881008148},{"text":"I've got the Yes. information in there in the best interest. Essentially, they're not gonna give us any TBD or income protection, and we're not looking at any additional cover outside of super at the moment. You were just happy to look at license if you could get those two Yes. mortgages covered, essentially. So Yes. feel free to have a bit of a read through that. The benefit to having it paid out of your super is that you don't have to pay the premiums out of your back pocket. And I know life is beyond expensive at the moment.","start_word":2198,"end_word":2298,"sentiment":"neutral","sentiment_score":0.13172394037246704},{"text":"I'm just feeling gross. The loan's been costing us all a fortune.","start_word":2299,"end_word":2310,"sentiment":"negative","sentiment_score":-0.5166024565696716},{"text":"Yeah. Yeah. So, essentially, you know, being able to pay for that premium out of your super means you don't have to pay for that out of your back pocket. It means that the premium is deducted once a year from, essentially, your super fund, and we wanna make sure your super fund is growing enough to make sure that con the to make that premium paid and covered as well as all the other fees that are paid as well. Yes. There is obviously the disadvantage as it the sorry. The disadvantage there that it is paid out of your super. So having insurances that are paid out of your super and because they do get more expensive over time, it can provide a bit of a disadvantage or it can affect how much you have in super at the end of the day. But that's why you do have us here. You and I'll review the level of cover you have it here. You can let me know how whether it's too expensive, whether you don't want it anymore, or whether you, you know, think you just wanna pull the cover back, and we can keep altering that life cover as needed. Yes. Realistically, once you've paid your mortgages off and you own the properties and your super balance is nice and big, you shouldn't need any life cover. So there should be a point when we can essentially cancel that life cover and, you know, you retire debt free and with a lovely super balance at the end of the day as well. Yeah. Okay. Yeah. Yeah.","start_word":2311,"end_word":2580,"sentiment":"neutral","sentiment_score":0.006132097638867519},{"text":"I All will. good.","start_word":2581,"end_word":2584,"sentiment":"positive","sentiment_score":0.4644419550895691},{"text":"You you know what you're doing, so I'll just Yeah. take you through it and, Oh, good.","start_word":2585,"end_word":2601,"sentiment":"neutral","sentiment_score":0.29804477095603943},{"text":"yeah, All good. the All good good.","start_word":2602,"end_word":2608,"sentiment":"positive","sentiment_score":0.5021864771842957},{"text":"Yeah. Do When I you need do the sorry? TriNet? Do I need the TriNet? Yes. What I would like you to do is have a bit of a read through it after. Let me know if you do happen to have any questions. With applying for just a life cover, I know Karen is your beneficiary on your hub twenty four super, and that's the way Yes. you wanted it. So I've made a recommendation that when we apply for life cover, we do also apply the beneficiary. So in the event of passing, Karen gets the money to be able to pay off the mortgages and make things Yes.","start_word":2609,"end_word":2719,"sentiment":"neutral","sentiment_score":0.1208699718117714},{"text":"a bit easier for her.","start_word":2720,"end_word":2724,"sentiment":"positive","sentiment_score":0.3916882276535034},{"text":"And I always sort of suggest to people as well, make sure that you let your beneficiary know that you we do look after your super just so in the event that something happens, she knows to call us, and we will help her with the claim. It's just something I Yes. have come across in the past where clients have passed away and haven't kinda given any of their beneficiaries the information. And then six months later, they've called us going, hey. What's going on? Who are you? And we kind of have to go through the claim a few a few months down the track, and it's been a hard time for the family. Yes. So it's just something I like to kind of bring up and make sure that everyone's sort of aware of what's happening and where your super is and that you do have a financial adviser that helps you with it just so they know who to call and what to do in the event of something occurring. Okay? Yeah. No. Easy. In the document, when you do get a chance to read it over, I've got the advantages, the disadvantages, the risks involved of all the strategies there for you.","start_word":2725,"end_word":2931,"sentiment":"neutral","sentiment_score":0.045797505258506045},{"text":"I've also got the best interest duty there, which essentially links it back to your goal, and I'll let you know why the recommendations are in your best interest to go forward with.","start_word":2932,"end_word":2964,"sentiment":"positive","sentiment_score":0.39694687724113464},{"text":"And I've also got your assets and liabilities as per our last conversation, so feel free to run your eyes over those. If you think they need to be updated in the back end, feel free to let me know, and we'll make sure that we do a catch up with you in about six months. Does that sound okay? Yes.","start_word":2965,"end_word":3025,"sentiment":"neutral","sentiment_score":0.1773906648159027},{"text":"That's good.","start_word":3026,"end_word":3027,"sentiment":"positive","sentiment_score":0.4422147870063782},{"text":"Yep.","start_word":3028,"end_word":3028,"sentiment":"neutral","sentiment_score":0.31382474303245544},{"text":"Beautiful.","start_word":3029,"end_word":3029,"sentiment":"positive","sentiment_score":0.5229412317276001},{"text":"I You're right. Sorry. I think I don't know. I can't see it on my phone. I'm trying to join it now, but I might need I might actually get a copy a hard copy sent to me Yeah. when I Absolutely. was doing it. Yeah. Absolutely. Once it comes back to me, I'll download it, and I'll email you a separate copy. Not a problem at all.","start_word":3030,"end_word":3097,"sentiment":"neutral","sentiment_score":0.048344843089580536},{"text":"You're good.","start_word":3098,"end_word":3099,"sentiment":"positive","sentiment_score":0.4200590252876282},{"text":"That's okay. It's a bit hard on the phone. That's okay. What's it sort of telling you? Is there anything specific it's asking or it's saying at the moment? No. No. I can't get a net net billing. I don't know where I'm at. There might be a little text box on the back there as well, and it might have a you might just need to put NA or is it is it a little text box there at all that's asking you for something? No. I got FIWNEQE, but no worries. Main. I hit and won't be let me just come up and send me. Yeah. That's okay. If you get stuck, let me know. And, yeah, once it comes through, I'll I'll make sure I download it and send you a copy. Okay? Alright. No worries, Troy. If you do find you have any questions, let me know.","start_word":3100,"end_word":3250,"sentiment":"neutral","sentiment_score":-0.0406254343688488},{"text":"I'm more than happy to help, and I'll get on the hub twenty four and find out if they can re email you the login Thank information.","start_word":3251,"end_word":3277,"sentiment":"positive","sentiment_score":0.5079414248466492},{"text":"you. Okay? Yeah. Alright.","start_word":3278,"end_word":3281,"sentiment":"neutral","sentiment_score":0.19323405623435977},{"text":"Thank you. No worries. Thanks so much. Talk to you soon. See you later.","start_word":3282,"end_word":3295,"sentiment":"positive","sentiment_score":0.5522613525390625},{"text":"I will give you a call. Say that. You too. Bye.","start_word":3296,"end_word":3306,"sentiment":"neutral","sentiment_score":0.2336387038230896},{"text":"Thanks, Joy. Bye.","start_word":3307,"end_word":3309,"sentiment":"positive","sentiment_score":0.59222412109375}],"average":{"sentiment":"neutral","sentiment_score":0.10775932795564894}}}}