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I've got you booked in for a bit of a catch up for some updated strategies and and a few review points there. Do you still have some time for me? Perfect. Perfect. So I'll go through the usual security check with you, and I've got a bit of an email to send to you. Do you have access to your emails today? Perfect. Alright. So I'll pop that through. And just while it's going through, are you okay for the call to be recorded? Perfect. And just for the security of your info, so I'm registered with Advicus Advisor one two seven three one zero five. Can I confirm your date of birth and address? Perfect. Amazing. Thank you so much for that, David. Mate, I do have to give you just a quick warning before I go ahead. My three year old broke his leg, so I do have him home with me today. So if you hear a bit annoying, I do apologize. He went, oh, you've you've got a newborn baby. I'll go break my leg, and so the whole family's enjoying the darn time for that. Fair enough. Fair enough. Thank you for that. Now that should come through pretty quickly, that email there, and I'll go through a couple of quick points in terms of what your your goals were previously, see if there's been any major changes. And then I just wanna kind of walk you through what I've been researching and the ideas that I'd like to kind of change. Perfect. Now when you get that email, it should be listed as open new financial statement of advice. Can you see that in your main inbox? It may have gone to your spam folder if it is your first time. Perfect. Perfect. So if you can hit that purple button to it says sign on it, but it does bring open all six documents to review with me, and we can have a bit of a scroll together. Could be a little bit further down. Yeah. Click the start. Now when you get in there, it should have that Gold Coast Beachfront city picture on that first document labeled statement of advice. No. You're right, man. No. No. You're totally fine. No. Definitely don't want you to accidentally sign anything, so I just wanna get into the document first. No. No. I need to run through it with you. Make sure he's comfortable first. No. You're totally fine. Does it still let you scroll up and down? Perfect. Yeah. Just amazing. Amazing. So if you could just skip through to pages three and four for me, it's got a scope of advice. Perfect. The main thing that I'm focusing on for this updated strategy was updating your portfolio. And if you recall, there was a bit of a conversation about some trauma insurance that you might be able to get just given that you're a bit you're still working on the citizenship side of things, and we've been calling around a few insurers to see what cover you can actually get based on different visas, different citizenship statuses. Does that ring a bell? Perfect. So I'll go through that with you in a sec. Just before I swing down any further, your main focuses at the time was renovations and cruises, and, obviously, the citizenship is kind of like a long term ten year goal. How do you end up going with the renos? Oh, sensational. Yeah. I've got that 80% built deck next to me, and I'm just doing the finishing touches for that one. So I can understand it can take a little while. And is there anything else sort of focusing for you guys the next couple of years? Oh, man. Fair. Hardly fair. Oh, no. Oh, mate. Double whammy on that one. I'm sorry to hear that. Yep. So it's safe to say you've been busy and a lot going on. Okay. So I'll keep our side of things nice and straight forward for you because I don't wanna be a burden on you. But the main thing is just, again, updating the super, and I did get some headway on the trauma cover. Now I wanna just sort of double check that with you. We'll we'll have a bit of a scroll down. We've got your other your other goals there. If you can go down pages eight and nine of the about you section and also your assets and liabilities. I just wanna quickly touch on that. So we've got phone and email, 166,000 of the income still doing the truck driving. $1.90. So that was just for the tax return? Yep. Perfect. Okay. If you have a swing down there, I've got the I'm assuming the home value has probably changed a little bit, maybe the mortgage, but I've got the two cars and the home listed with the mortgage. They're about $5.10. Okay. I got it for You hit the the twilight period of that sort of 5PM where the sun hits that middle point, and the sun is just gonna be worse than nothing. Yeah. Yeah. $9.50 on the main value and $5.10 for the mortgage. Perfect. I'll go a bit conservative with it. It doesn't make too much difference for us, but I'll put the one point one one point two there, and, hopefully, that'll give you a nice little boost above that. And the mortgage at $5.10, is that changed? Perfect. Awesome. And you've knocked it back down. Yep. Yeah. Perfect. Perfect. Good cash flow strategy. Alright. I'll update all that on our system. Thank you so much for that info. If you can have a swing down for me, just to keep it nice and easy for you, we'll just kind of skip through. You've got the super on page 10, the risk profile being high growth on page eleven and twelve, and then strategy recommendations on 13, the big wall of text there under a blue title, strategy recommendations. Can you see that one? So, basically, to summarize why we're doing what we're doing with the portfolio is we're trying to reduce the investment fees, improve the performance, get everything sort of back on track for a consistent double digit return across all time periods, not just some of them. And we've also factored in things like any capital gains tax inside the super under the hood when we switch investments around. The only thing that I'm not doing in here is I can't give you that full 22 retirement analysis projection. It's just a little bit too far out because there's so many changes that'll happen in your life. We usually just do, like, a ten year projection at this point. Okay? Now the main thing here, if you skip through, there'll be some alternatives that we looked at. The the usual market risk about, you know, you can't control the weather. Markets go up and down, but we do pick the investments for you. If you can go down to page 16, this is where the table start, and just a couple of things I wanted to point out for you. It's actually a pretty big investment table. Can you see that one there? Cool. So when it comes to the progress of everything, your last review, you were sitting at a 138,000. As of today, you're at 163,000 when I add in all the cash and everything. We've had some some cash from your contributions pulling off to the side, which has been pretty good actually because the stock market had a bit of a crash in March. So when the stock market went down, you missed a big chunk of that, and it kind of only affected you at around about two to 5% instead of seven to 12. But it's kind of flatlined your your investment return for the year even though your balance has gone up 25. That's mainly from your contribution. Does that make sense? Now in that table, can you see the second last column? It's probably the the most sort of digit bit I wanna show you. Second last column is target weight percentages, and you should see some nice round figures in that column. So 16 page 16 still. We've got the second last column as target weight percentage, and you'll see, like, seven percent zero seven zero, and it kinda just goes down the list. So what I'm basically doing here is a a two factor strategy. So we do a rebalance, which anything that's kind of going up to, you know, 32.1% and this one's going down to 17.4, we just bring those back to the middle again, kind of buy low to sell high. Take some profits from this one, rebalance all your investments. At the same time, all of the ones that have a zero in that column, I'm switching out. So the option in the second row was doing kind of average last year. It still hasn't kind of recovered, so we're removing that one along with a bit of exposure to Europe and Japan in the middle. And at the bottom, those bottom four or five, these are the options that we're adding into the portfolio. So for your defensive portion, we're putting some of the cash into some bonds, which are kind of safer. They're fixed interest. They get a higher return in cash, but they're not risky like the stock market. Whereas everything else above that, these are all of your replacements for those options. So the Radia 200, the Raffi 200, they're essentially a low fee replacement of the previous option, much better performance over one, three, five, and ten years. The only other thing of note is we have mixed in a little bit of India in there just because of a bit of manufacturing going from China to India. It's a bit more of a long term play over the next five years or so, but only a small portion. Cool. Now if you go down, the main thing I wanted to show you was page 18 with that pie chart that you would have seen with the colors on it. So for your high growth risk profile, you need to be sitting between 90 to a 100% growth asset because we've been pulling some cash off to the side while the market was kind of going down. You're sitting at 84%. We're essentially gonna redeploy that into the fixed interest, and that'll bring you back up to about 92 and get you into all the different areas, gold, shares, and safer assets, and just keep you in line with that risk profile. The reminder there, though, is that the high growth is to try and get the high returns over five, ten years. Once we have built the balance up, like I said previously, we do have to reduce it down. It's up to be 64, lose half your super business top market crashes a year before you go to retire. Now if you swing past there, I've updated a couple of little projections there for you as well on pages nineteen and twenty. You should see a fee comparison table where it says current and recommended and different. We're looking at page 19, and you should see a fee comparison table. It usually goes yep. Now if you go on the right hand side, the difference at the top right can you see the minus 1,000 up there on the top right? So that's essentially any, like, brokerage fees to purchase the investments, which we use all the ETFs. So they're very, very cheap for the whole time you hold them, but you spend a little bit to buy them up front. And that's also capital gains tax under the hood as well. With the investments, though, we've been able to half the investment fee. So that'll save you $520 a year. And as your balance grows, because it's a percentage savings, that'll just compound and compound over the years bigger and bigger as well. The bottom row of that table, we're bringing the five year performance average back up from that kind of six and a half percent back up to around 12. Like I said before, we need to have it consistently above 10%. Projection down below. So there's a combination of the investment switches and some contribution advice as well. And bit of grain of salt, of course, but over five and ten years, we're expecting it to go from 90 to 200,000 difference over five and ten years. Swing over to the next page, last couple of things to show you is the performance table. And what I really wanted to show you here was on the left hand side, you can see it kind of bounces around between 1% here, 10% there, 6% here, whereas with the new portfolio, it's consistently in the double digits across all periods. Basically, a couple of the options that we switched out, they're a little bit too, I guess, volatile. Some years they're going fantastic. Some years they're going very, very poorly. And I just wanted to get it a little bit more consistent year on year for you, mainly with some some passive low fee options. They're a little bit more consistent. Now we did have a bit of a chat around the the salary sacrifice side of things, and you were thinking of kind of increasing it a little bit from a 150 to $2.40 a week. That's before tax. Bear in mind, it only impacts your 70¢ on the dollar. But, realistically, just wanna be guided by you. I mean, given all everything you've got going on with with family and health and cash flow. K. So do you think you'll be hitting $1.90 again for this financial year, do you think? Right. Okay. Gotcha. Okay. So better changes on the horizon possibly. Okay. So what I think you should do then are you using an offset account for the mortgage? Okay. So what you can do I'm not okay. I think you should keep the contributions at $1.90 for the time being because if you do hit that higher figure again, if I increase it to $2.40, you might just go over the cap a little bit, which they'll use up anything you haven't used going backwards five years anyway, which will get you through for the first time. The better way to do it is if you have a redraw or an offset account or even just a savings account, is pull everything else into the savings. And when it comes time for June, if there's anything left over in the tap that you haven't done, we can do a one off contribution then. It's not as nice as having it pretax like we were doing currently, but I think the $1.90 is the safe amount just for the time Yeah. I agree a 100%. And what'll happen is, let's say, you get to next year and you've put in twenty nine and a half thousand and you've got $3 to go, you can pop $3 in, claim it as a tax deduction, and you'll get that chunk back straight away, which just minimizes the time. It's not as good as salary sacrifice, but it's an expense thing. Oh, you can do that every year. Basically, you know how your employer puts in salary sacrifice through the payroll system? You would essentially do a BPAY or EST deposit and then fill in a form with us. We would help you with the the paperwork, and it basically sends a signal to the tax office that you're gonna claim it for a tax deduction. And you can do that exactly the same way. Yeah. It's just an extra form, though, not as fun as salary. Fine. Yeah. And as long as it's in before, like, June 30 or technically June 25 when the super funds accept it, as long as the money is in, you don't have to complete that form until before you tax return is submitted. So, basically, as long as you get it in on, say, June 24, you've got a couple of months to finish the form. When you get that accepted, then you could submit the tax return. Yes. Exactly right. And I'll flag you on our system as it's called a notice of intent to claim, and I'll flag you as a NOI client. So that way we can reach out to you in, like, May, June as well, and we can help you with the process. It's basically just a deposit and a one page. Cool. That sound okay? Perfect. Now if you can have a quick swing down for me, the last bit I wanted to show you is the the insurance side of things. So can you go to page 24? You should see a bit of a blue bar saying to apply for some life insurance. Yeah. So what I've recommended here is I know you're currently with Cal, and I don't normally recommend having multiple insurance, but Zurich came out very, very, very good in terms of pricing for you for trauma insurance. Now that's the one that would give you a $100,000 lump sum if you did have a heart attack, stroke, or cancer. Now to make that one a bit cheaper, what we did was we linked it up with a little life policy of a 100,000. And it's just a bit of a trick of the trade that if you have life insurance linked trauma insurance, it's cheaper than just having the trauma by itself. So they were saying the price would be around about 37 to $41 per month because it's the only cover you can have that has to be out of pocket. It can't be through super. So I was trying to put a limit on it of below $50 a month, and I just wanted to run it by you as an idea that if we put in place this policy here, most of it looks pretty good from a pricing standpoint, $41 a month on the quote. And as far as the permanent residency visa status go, can you see a bit of a box below there in blue where it says exclusion and loading? It just explains what a residency exclusion is. Yeah. So you've already got the existing. I'm just gonna flick back up to the top for a second just to give you the the right details here. So your towel cover gives you the life insurance and the disability insurance that you already have. This one is essentially us getting you the trauma cover. So life insurance if you pass away, EPD if you can never work again, trauma is based on a diagnosis. If you get a diagnosis of, hey. You've had a heart attack, stroke. You've got a certain type of cancer, organ failure, any sort of severe disease with a really strange Latin name, like bacterial meningitis or anything like that, they basically just give you a lump sum payment to go towards medical expenses in time with the family and so on. So that was something that we had talked about. It's possible to get. You can only claim on it if you're still, you know, residing in Australia at the time. That's the exclusion based on citizenship and so on. But I just wanted to run this one by you. K. Now with this one, what I would do is there is a bit of a quote that we'll send through to you. Again, it will be $41 with your current birthday, and I basically could get you booked in with the team to go through an application just like the one you did for the life insurance originally. Cool. Now through the rest of that document, we've got beneficiary nominations, which they're all sorted for the Netwealth, but it was really just to tell life insurance. And because we're attaching life insurance to the trauma, we can do a nomination on that as well for the Zurich cover once it's applied for. So I was basically just gonna send some form through so that we could get your partner nominated across all the super the insurances, everything, and make sure all three line up. Yep. And in terms of getting those to you, would you prefer us to email it through, you print it out, get it signed and witnessed, or would you prefer posted with a return envelope? Yeah. So just like the wills, you need two people who aren't the beneficiary to witness it on the same day. It can be any adult as long as they're not the beneficiary. Yeah. Yep. Fair enough. Posted with a return on the line. If it's easier for you, I can prefill it. So what we were recommending was a legally binding nomination just like the super, a nonlapsing nomination so it doesn't just randomly expire after three years. Are you okay with that? Cool. And I can prefill those options on the forms as well. I can also put Andrea's details on there if you like, unless you'd be comfortable just to write that in the boxes. Cool. Yeah. Just because it is a legal document, I'll ask you some questions that have already half answered before. Just for for Andrew's full name and maiden name as well. Awesome. Awesome. And just to confirm all sorry, mate. What was that? So I need date of birth. Oh, is it? Sorry. 12/1985. So fourth to the twelfth nineteen eighty five. Andrea is spelled a n d r e a. Is that correct? Beautiful. And residing at the same address. Beautiful. Alright. I will get all that prefilled so she did cross everything, posted out with a return envelope. Any trouble at all, there'll be a cover letter, but just give us a buzz in. It takes us about two minutes to look through the form. And, again, just make sure the two witnesses aren't beneficiary and that they sign on the same date. Oh, and one last thing. If you make a mistake, don't scribble down right next to it because it then invalidates the form. Yep. Perfect. Perfect. Alrighty. So that's all there. You guys obviously establish the will and everything. Did you guys put in place power of attorney as well? Beautiful. So I've got a will and power of attorney is in place. Beneficiaries will be shortly. Easy done. Mate, that's pretty much it. So everything else there, I do have to let you know that for the insurance policy, again, that application I'll book in with you in a sec if you've got your your calendar. But for all of that fees and everything, I've included an updated service agreement there. Still the usual 1.65% for our services, but we have included a tiered fee structure now in the service guide, our financial service guide. So when you get above 200,000, there is discounts that get applied and also further discounts when you go above 500,000. I just wanna let you know that we've kind of tweaked the the structure a little bit, and that should apply to you in the next probably about twelve to eighteen months, I think, to get you up to that balance. Yeah. Okay. Totally fair. Now with the the insurance policies as well so anytime we put in place an insurance policy for any insurer, we do get paid the first 66% of the first year's premium as a commission for the establishment, and then 22% ongoing to help manage, like, claims assistance and claims advice as well, which I think for the New Zurich Zurich policy is about $98 per annum. Again, no fee from you. It's from the insurer to advisers, and there's no difference between providers. Awesome. So from here, if you're comfortable with all these strategies, there should be that that begin section that you were seeing before to design. And, basically, there's a signature and date stamp that goes on there, and there's also a bit of a box above the authority to proceed signature if you wanted to vary any recommendations as they are, just write NA into that box, please. So at the bottom of this document, sorry, second last page, but that button should also bring you there as well, the the begin button. 42. Yeah. There any other blue purple buttons that say next document or anything like that? Oh, it might be that box. Yeah. The box above it. So where it's got signature and date, if they are stamped in there now, if you just go up just a tiny bit above it, there's a white space underneath the two paragraphs. And if you click on that and just type in NA, because we're not bearing the advice, that should actually cancel that last one for that document. Perfect. The rest of those there, we've got the appendix research, financial services guide, service agreement, and overview services guide. Most of them would be skippable except for the ongoing consent with Netwealth. That's the only other one that would require a signature. Oh, perfect. It's one of those things where with the amount of extra documents there, there's a few 100 pages there. Sometimes it takes a moment, that spinning circle to go through. Sorry. Some of the extra documents they get us to send are quite bulky. Yeah. Just while you're doing that too, so I'm just gonna quickly check the ID that we have on file. When we do any new application, I just need to make sure I can certify it and it hasn't expired. So I'm just having a quick look at the ID that we last did. Yep. So it's valid until 2028. So what I'll do oh, sorry. Did I go through it then? Yep. Perfect. Thank you very much for that, David. That's come through all the time. It should give you a bit of an option to receive a a signed copy in your email. Oh, no. Just ignore that one. You don't have to sign up for anything there. It's all linked through our CRM system. Alright. So what we would like to do is I'm just gonna get you booked in for the trauma application itself. Now bear in mind, I'll send you through a quote. The quotes have, like, a thirty day expiry on it, so I just wanted to make sure that, a, that you wanted to go ahead with it first before I send it through in case you do sign it and it expires two days later. And do you have any idea when would be a good time to go through that kind of fifteen, twenty minutes personal statement. Yeah. Perfect. So what I can do if it's easier is I'll send through the the quote today and tomorrow. And then from Monday onwards, I'll just get the team to try and touch base with you in the evening and see if they can catch you one of those days to get that submitted. Perfect. So what they'll do is, just a heads up, usual insurance applications, they'll talk about health, occupation, details, and things like that. Has there been any health changes for yourself the last twelve months or so? Perfect. Cool. If anything pops up, they'll pop it back to me. But, again, just keep an eye out for that quote. We'll post you out those beneficiary form, and then someone will be in touch next week to go through that application. Amazing. And last thing, just because it is direct debit, you'll get to put in what details or accounts or cards you would like that to come out of, but they don't debit anything until the policy is actually accepted and enforced. Perfect. Now that is quite a bit for forty minutes of an evening. No. I wish. No. The trauma insurance is not tax deductible. I wish it would be. Sorry. It is I'll get the exact here for you. Forty $1.89 per month. Is that alright? Awesome. Now I do apologize we have to go through quite a few different areas tonight, but do you have any other questions for me at this time? Oh, yeah. Easy done. I'll get someone to post those out on Monday, I think, is our next postage run. Give us a buzz if there's any issues. The person who will likely be giving you a call next week on the evenings will be Jack. He's very good with insurance applications, very fast, doesn't like to waste your time, especially as an evening. But if you do have any questions, he can pop you on to me as well. Awesome, Dave. Have a fantastic weekend. All the best to you and the family, and, hopefully, I'll talk to you again soon. No worries at all. See you 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afternoon, David. It's Tommy here, senior adviser of Financial. How are you doing? I'm living the dream. It's a beautiful week.\n\nI've got you booked in for a bit of a catch up for some updated strategies and and a few review points there. Do you still have some time for me? Perfect. Perfect. So I'll go through the usual security check with you, and I've got a bit of an email to send to you.\n\nDo you have access to your emails today? Perfect. Alright. So I'll pop that through. And just while it's going through, are you okay for the call to be recorded?\n\nPerfect. And just for the security of your info, so I'm registered with Advicus Advisor one two seven three one zero five. Can I confirm your date of birth and address? Perfect. Amazing.\n\nThank you so much for that, David. Mate, I do have to give you just a quick warning before I go ahead. My three year old broke his leg, so I do have him home with me today. So if you hear a bit annoying, I do apologize. He went, oh, you've you've got a newborn baby.\n\nI'll go break my leg, and so the whole family's enjoying the darn time for that. Fair enough. Fair enough. Thank you for that. Now that should come through pretty quickly, that email there, and I'll go through a couple of quick points in terms of what your your goals were previously, see if there's been any major changes.\n\nAnd then I just wanna kind of walk you through what I've been researching and the ideas that I'd like to kind of change. Perfect. Now when you get that email, it should be listed as open new financial statement of advice. Can you see that in your main inbox? It may have gone to your spam folder if it is your first time.\n\nPerfect. Perfect. So if you can hit that purple button to it says sign on it, but it does bring open all six documents to review with me, and we can have a bit of a scroll together. Could be a little bit further down. Yeah.\n\nClick the start. Now when you get in there, it should have that Gold Coast Beachfront city picture on that first document labeled statement of advice. No. You're right, man. No.\n\nNo. You're totally fine. No. Definitely don't want you to accidentally sign anything, so I just wanna get into the document first. No.\n\nNo. I need to run through it with you. Make sure he's comfortable first. No. You're totally fine.\n\nDoes it still let you scroll up and down? Perfect. Yeah. Just amazing. Amazing.\n\nSo if you could just skip through to pages three and four for me, it's got a scope of advice. Perfect. The main thing that I'm focusing on for this updated strategy was updating your portfolio. And if you recall, there was a bit of a conversation about some trauma insurance that you might be able to get just given that you're a bit you're still working on the citizenship side of things, and we've been calling around a few insurers to see what cover you can actually get based on different visas, different citizenship statuses. Does that ring a bell?\n\nPerfect. So I'll go through that with you in a sec. Just before I swing down any further, your main focuses at the time was renovations and cruises, and, obviously, the citizenship is kind of like a long term ten year goal. How do you end up going with the renos? Oh, sensational.\n\nYeah. I've got that 80% built deck next to me, and I'm just doing the finishing touches for that one. So I can understand it can take a little while. And is there anything else sort of focusing for you guys the next couple of years? Oh, man.\n\nFair. Hardly fair. Oh, no. Oh, mate. Double whammy on that one.\n\nI'm sorry to hear that. Yep. So it's safe to say you've been busy and a lot going on. Okay. So I'll keep our side of things nice and straight forward for you because I don't wanna be a burden on you.\n\nBut the main thing is just, again, updating the super, and I did get some headway on the trauma cover. Now I wanna just sort of double check that with you. We'll we'll have a bit of a scroll down. We've got your other your other goals there. If you can go down pages eight and nine of the about you section and also your assets and liabilities.\n\nI just wanna quickly touch on that. So we've got phone and email, 166,000 of the income still doing the truck driving. $1.90. So that was just for the tax return? Yep.\n\nPerfect. Okay. If you have a swing down there, I've got the I'm assuming the home value has probably changed a little bit, maybe the mortgage, but I've got the two cars and the home listed with the mortgage. They're about $5.10. Okay.\n\nI got it for You hit the the twilight period of that sort of 5PM where the sun hits that middle point, and the sun is just gonna be worse than nothing. Yeah. Yeah. $9.50 on the main value and $5.10 for the mortgage. Perfect.\n\nI'll go a bit conservative with it. It doesn't make too much difference for us, but I'll put the one point one one point two there, and, hopefully, that'll give you a nice little boost above that. And the mortgage at $5.10, is that changed? Perfect. Awesome.\n\nAnd you've knocked it back down. Yep. Yeah. Perfect. Perfect.\n\nGood cash flow strategy. Alright. I'll update all that on our system. Thank you so much for that info. If you can have a swing down for me, just to keep it nice and easy for you, we'll just kind of skip through.\n\nYou've got the super on page 10, the risk profile being high growth on page eleven and twelve, and then strategy recommendations on 13, the big wall of text there under a blue title, strategy recommendations. Can you see that one? So, basically, to summarize why we're doing what we're doing with the portfolio is we're trying to reduce the investment fees, improve the performance, get everything sort of back on track for a consistent double digit return across all time periods, not just some of them. And we've also factored in things like any capital gains tax inside the super under the hood when we switch investments around. The only thing that I'm not doing in here is I can't give you that full 22 retirement analysis projection.\n\nIt's just a little bit too far out because there's so many changes that'll happen in your life. We usually just do, like, a ten year projection at this point. Okay? Now the main thing here, if you skip through, there'll be some alternatives that we looked at. The the usual market risk about, you know, you can't control the weather.\n\nMarkets go up and down, but we do pick the investments for you. If you can go down to page 16, this is where the table start, and just a couple of things I wanted to point out for you. It's actually a pretty big investment table. Can you see that one there? Cool.\n\nSo when it comes to the progress of everything, your last review, you were sitting at a 138,000. As of today, you're at 163,000 when I add in all the cash and everything. We've had some some cash from your contributions pulling off to the side, which has been pretty good actually because the stock market had a bit of a crash in March. So when the stock market went down, you missed a big chunk of that, and it kind of only affected you at around about two to 5% instead of seven to 12. But it's kind of flatlined your your investment return for the year even though your balance has gone up 25.\n\nThat's mainly from your contribution. Does that make sense? Now in that table, can you see the second last column? It's probably the the most sort of digit bit I wanna show you. Second last column is target weight percentages, and you should see some nice round figures in that column.\n\nSo 16 page 16 still. We've got the second last column as target weight percentage, and you'll see, like, seven percent zero seven zero, and it kinda just goes down the list. So what I'm basically doing here is a a two factor strategy. So we do a rebalance, which anything that's kind of going up to, you know, 32.1% and this one's going down to 17.4, we just bring those back to the middle again, kind of buy low to sell high. Take some profits from this one, rebalance all your investments.\n\nAt the same time, all of the ones that have a zero in that column, I'm switching out. So the option in the second row was doing kind of average last year. It still hasn't kind of recovered, so we're removing that one along with a bit of exposure to Europe and Japan in the middle. And at the bottom, those bottom four or five, these are the options that we're adding into the portfolio. So for your defensive portion, we're putting some of the cash into some bonds, which are kind of safer.\n\nThey're fixed interest. They get a higher return in cash, but they're not risky like the stock market. Whereas everything else above that, these are all of your replacements for those options. So the Radia 200, the Raffi 200, they're essentially a low fee replacement of the previous option, much better performance over one, three, five, and ten years. The only other thing of note is we have mixed in a little bit of India in there just because of a bit of manufacturing going from China to India.\n\nIt's a bit more of a long term play over the next five years or so, but only a small portion. Cool. Now if you go down, the main thing I wanted to show you was page 18 with that pie chart that you would have seen with the colors on it. So for your high growth risk profile, you need to be sitting between 90 to a 100% growth asset because we've been pulling some cash off to the side while the market was kind of going down. You're sitting at 84%.\n\nWe're essentially gonna redeploy that into the fixed interest, and that'll bring you back up to about 92 and get you into all the different areas, gold, shares, and safer assets, and just keep you in line with that risk profile. The reminder there, though, is that the high growth is to try and get the high returns over five, ten years. Once we have built the balance up, like I said previously, we do have to reduce it down. It's up to be 64, lose half your super business top market crashes a year before you go to retire. Now if you swing past there, I've updated a couple of little projections there for you as well on pages nineteen and twenty.\n\nYou should see a fee comparison table where it says current and recommended and different. We're looking at page 19, and you should see a fee comparison table. It usually goes yep. Now if you go on the right hand side, the difference at the top right can you see the minus 1,000 up there on the top right? So that's essentially any, like, brokerage fees to purchase the investments, which we use all the ETFs.\n\nSo they're very, very cheap for the whole time you hold them, but you spend a little bit to buy them up front. And that's also capital gains tax under the hood as well. With the investments, though, we've been able to half the investment fee. So that'll save you $520 a year. And as your balance grows, because it's a percentage savings, that'll just compound and compound over the years bigger and bigger as well.\n\nThe bottom row of that table, we're bringing the five year performance average back up from that kind of six and a half percent back up to around 12. Like I said before, we need to have it consistently above 10%. Projection down below. So there's a combination of the investment switches and some contribution advice as well. And bit of grain of salt, of course, but over five and ten years, we're expecting it to go from 90 to 200,000 difference over five and ten years.\n\nSwing over to the next page, last couple of things to show you is the performance table. And what I really wanted to show you here was on the left hand side, you can see it kind of bounces around between 1% here, 10% there, 6% here, whereas with the new portfolio, it's consistently in the double digits across all periods. Basically, a couple of the options that we switched out, they're a little bit too, I guess, volatile. Some years they're going fantastic. Some years they're going very, very poorly.\n\nAnd I just wanted to get it a little bit more consistent year on year for you, mainly with some some passive low fee options. They're a little bit more consistent. Now we did have a bit of a chat around the the salary sacrifice side of things, and you were thinking of kind of increasing it a little bit from a 150 to $2.40 a week. That's before tax. Bear in mind, it only impacts your 70¢ on the dollar.\n\nBut, realistically, just wanna be guided by you. I mean, given all everything you've got going on with with family and health and cash flow. K. So do you think you'll be hitting $1.90 again for this financial year, do you think? Right.\n\nOkay. Gotcha. Okay. So better changes on the horizon possibly. Okay.\n\nSo what I think you should do then are you using an offset account for the mortgage? Okay. So what you can do I'm not okay. I think you should keep the contributions at $1.90 for the time being because if you do hit that higher figure again, if I increase it to $2.40, you might just go over the cap a little bit, which they'll use up anything you haven't used going backwards five years anyway, which will get you through for the first time. The better way to do it is if you have a redraw or an offset account or even just a savings account, is pull everything else into the savings.\n\nAnd when it comes time for June, if there's anything left over in the tap that you haven't done, we can do a one off contribution then. It's not as nice as having it pretax like we were doing currently, but I think the $1.90 is the safe amount just for the time Yeah. I agree a 100%. And what'll happen is, let's say, you get to next year and you've put in twenty nine and a half thousand and you've got $3 to go, you can pop $3 in, claim it as a tax deduction, and you'll get that chunk back straight away, which just minimizes the time. It's not as good as salary sacrifice, but it's an expense thing.\n\nOh, you can do that every year. Basically, you know how your employer puts in salary sacrifice through the payroll system? You would essentially do a BPAY or EST deposit and then fill in a form with us. We would help you with the the paperwork, and it basically sends a signal to the tax office that you're gonna claim it for a tax deduction. And you can do that exactly the same way.\n\nYeah. It's just an extra form, though, not as fun as salary. Fine. Yeah. And as long as it's in before, like, June 30 or technically June 25 when the super funds accept it, as long as the money is in, you don't have to complete that form until before you tax return is submitted.\n\nSo, basically, as long as you get it in on, say, June 24, you've got a couple of months to finish the form. When you get that accepted, then you could submit the tax return. Yes. Exactly right. And I'll flag you on our system as it's called a notice of intent to claim, and I'll flag you as a NOI client.\n\nSo that way we can reach out to you in, like, May, June as well, and we can help you with the process. It's basically just a deposit and a one page. Cool. That sound okay? Perfect.\n\nNow if you can have a quick swing down for me, the last bit I wanted to show you is the the insurance side of things. So can you go to page 24? You should see a bit of a blue bar saying to apply for some life insurance. Yeah. So what I've recommended here is I know you're currently with Cal, and I don't normally recommend having multiple insurance, but Zurich came out very, very, very good in terms of pricing for you for trauma insurance.\n\nNow that's the one that would give you a $100,000 lump sum if you did have a heart attack, stroke, or cancer. Now to make that one a bit cheaper, what we did was we linked it up with a little life policy of a 100,000. And it's just a bit of a trick of the trade that if you have life insurance linked trauma insurance, it's cheaper than just having the trauma by itself. So they were saying the price would be around about 37 to $41 per month because it's the only cover you can have that has to be out of pocket. It can't be through super.\n\nSo I was trying to put a limit on it of below $50 a month, and I just wanted to run it by you as an idea that if we put in place this policy here, most of it looks pretty good from a pricing standpoint, $41 a month on the quote. And as far as the permanent residency visa status go, can you see a bit of a box below there in blue where it says exclusion and loading? It just explains what a residency exclusion is. Yeah. So you've already got the existing.\n\nI'm just gonna flick back up to the top for a second just to give you the the right details here. So your towel cover gives you the life insurance and the disability insurance that you already have. This one is essentially us getting you the trauma cover. So life insurance if you pass away, EPD if you can never work again, trauma is based on a diagnosis. If you get a diagnosis of, hey.\n\nYou've had a heart attack, stroke. You've got a certain type of cancer, organ failure, any sort of severe disease with a really strange Latin name, like bacterial meningitis or anything like that, they basically just give you a lump sum payment to go towards medical expenses in time with the family and so on. So that was something that we had talked about. It's possible to get. You can only claim on it if you're still, you know, residing in Australia at the time.\n\nThat's the exclusion based on citizenship and so on. But I just wanted to run this one by you. K. Now with this one, what I would do is there is a bit of a quote that we'll send through to you. Again, it will be $41 with your current birthday, and I basically could get you booked in with the team to go through an application just like the one you did for the life insurance originally.\n\nCool. Now through the rest of that document, we've got beneficiary nominations, which they're all sorted for the Netwealth, but it was really just to tell life insurance. And because we're attaching life insurance to the trauma, we can do a nomination on that as well for the Zurich cover once it's applied for. So I was basically just gonna send some form through so that we could get your partner nominated across all the super the insurances, everything, and make sure all three line up. Yep.\n\nAnd in terms of getting those to you, would you prefer us to email it through, you print it out, get it signed and witnessed, or would you prefer posted with a return envelope? Yeah. So just like the wills, you need two people who aren't the beneficiary to witness it on the same day. It can be any adult as long as they're not the beneficiary. Yeah.\n\nYep. Fair enough. Posted with a return on the line. If it's easier for you, I can prefill it. So what we were recommending was a legally binding nomination just like the super, a nonlapsing nomination so it doesn't just randomly expire after three years.\n\nAre you okay with that? Cool. And I can prefill those options on the forms as well. I can also put Andrea's details on there if you like, unless you'd be comfortable just to write that in the boxes. Cool.\n\nYeah. Just because it is a legal document, I'll ask you some questions that have already half answered before. Just for for Andrew's full name and maiden name as well. Awesome. Awesome.\n\nAnd just to confirm all sorry, mate. What was that? So I need date of birth. Oh, is it? Sorry.\n\n12/1985. So fourth to the twelfth nineteen eighty five. Andrea is spelled a n d r e a. Is that correct? Beautiful.\n\nAnd residing at the same address. Beautiful. Alright. I will get all that prefilled so she did cross everything, posted out with a return envelope. Any trouble at all, there'll be a cover letter, but just give us a buzz in.\n\nIt takes us about two minutes to look through the form. And, again, just make sure the two witnesses aren't beneficiary and that they sign on the same date. Oh, and one last thing. If you make a mistake, don't scribble down right next to it because it then invalidates the form. Yep.\n\nPerfect. Perfect. Alrighty. So that's all there. You guys obviously establish the will and everything.\n\nDid you guys put in place power of attorney as well? Beautiful. So I've got a will and power of attorney is in place. Beneficiaries will be shortly. Easy done.\n\nMate, that's pretty much it. So everything else there, I do have to let you know that for the insurance policy, again, that application I'll book in with you in a sec if you've got your your calendar. But for all of that fees and everything, I've included an updated service agreement there. Still the usual 1.65% for our services, but we have included a tiered fee structure now in the service guide, our financial service guide. So when you get above 200,000, there is discounts that get applied and also further discounts when you go above 500,000.\n\nI just wanna let you know that we've kind of tweaked the the structure a little bit, and that should apply to you in the next probably about twelve to eighteen months, I think, to get you up to that balance. Yeah. Okay. Totally fair. Now with the the insurance policies as well so anytime we put in place an insurance policy for any insurer, we do get paid the first 66% of the first year's premium as a commission for the establishment, and then 22% ongoing to help manage, like, claims assistance and claims advice as well, which I think for the New Zurich Zurich policy is about $98 per annum.\n\nAgain, no fee from you. It's from the insurer to advisers, and there's no difference between providers. Awesome. So from here, if you're comfortable with all these strategies, there should be that that begin section that you were seeing before to design. And, basically, there's a signature and date stamp that goes on there, and there's also a bit of a box above the authority to proceed signature if you wanted to vary any recommendations as they are, just write NA into that box, please.\n\nSo at the bottom of this document, sorry, second last page, but that button should also bring you there as well, the the begin button. 42. Yeah. There any other blue purple buttons that say next document or anything like that? Oh, it might be that box.\n\nYeah. The box above it. So where it's got signature and date, if they are stamped in there now, if you just go up just a tiny bit above it, there's a white space underneath the two paragraphs. And if you click on that and just type in NA, because we're not bearing the advice, that should actually cancel that last one for that document. Perfect.\n\nThe rest of those there, we've got the appendix research, financial services guide, service agreement, and overview services guide. Most of them would be skippable except for the ongoing consent with Netwealth. That's the only other one that would require a signature. Oh, perfect. It's one of those things where with the amount of extra documents there, there's a few 100 pages there.\n\nSometimes it takes a moment, that spinning circle to go through. Sorry. Some of the extra documents they get us to send are quite bulky. Yeah. Just while you're doing that too, so I'm just gonna quickly check the ID that we have on file.\n\nWhen we do any new application, I just need to make sure I can certify it and it hasn't expired. So I'm just having a quick look at the ID that we last did. Yep. So it's valid until 2028. So what I'll do oh, sorry.\n\nDid I go through it then? Yep. Perfect. Thank you very much for that, David. That's come through all the time.\n\nIt should give you a bit of an option to receive a a signed copy in your email. Oh, no. Just ignore that one. You don't have to sign up for anything there. It's all linked through our CRM system.\n\nAlright. So what we would like to do is I'm just gonna get you booked in for the trauma application itself. Now bear in mind, I'll send you through a quote. The quotes have, like, a thirty day expiry on it, so I just wanted to make sure that, a, that you wanted to go ahead with it first before I send it through in case you do sign it and it expires two days later. And do you have any idea when would be a good time to go through that kind of fifteen, twenty minutes personal statement.\n\nYeah. Perfect. So what I can do if it's easier is I'll send through the the quote today and tomorrow. And then from Monday onwards, I'll just get the team to try and touch base with you in the evening and see if they can catch you one of those days to get that submitted. Perfect.\n\nSo what they'll do is, just a heads up, usual insurance applications, they'll talk about health, occupation, details, and things like that. Has there been any health changes for yourself the last twelve months or so? Perfect. Cool. If anything pops up, they'll pop it back to me.\n\nBut, again, just keep an eye out for that quote. We'll post you out those beneficiary form, and then someone will be in touch next week to go through that application. Amazing. And last thing, just because it is direct debit, you'll get to put in what details or accounts or cards you would like that to come out of, but they don't debit anything until the policy is actually accepted and enforced. Perfect.\n\nNow that is quite a bit for forty minutes of an evening. No. I wish. No. The trauma insurance is not tax deductible.\n\nI wish it would be. Sorry. It is I'll get the exact here for you. Forty $1.89 per month. Is that alright?\n\nAwesome. Now I do apologize we have to go through quite a few different areas tonight, but do you have any other questions for me at this time? Oh, yeah. Easy done. I'll get someone to post those out on Monday, I think, is our next postage run.\n\nGive us a buzz if there's any issues. The person who will likely be giving you a call next week on the evenings will be Jack. He's very good with insurance applications, very fast, doesn't like to waste your time, especially as an evening. But if you do have any questions, he can pop you on to me as well. Awesome, Dave.\n\nHave a fantastic weekend. All the best to you and the family, and, hopefully, I'll talk to you again soon. No worries at all. See you later.","paragraphs":[{"sentences":[{"text":"Good afternoon, David.","start":2.6399999,"end":3.84,"sentiment":"neutral","sentiment_score":0.24852561950683594},{"text":"It's Tommy here, senior adviser of Financial.","start":3.84,"end":6.3199997,"sentiment":"neutral","sentiment_score":0.18484830004828318},{"text":"How are you doing?","start":6.3199997,"end":7.14,"sentiment":"neutral","sentiment_score":0.1846587136387825},{"text":"I'm living the dream.","start":9.12,"end":10.08,"sentiment":"positive","sentiment_score":0.7207984030246735},{"text":"It's a beautiful week.","start":10.08,"end":11.38,"sentiment":"positive","sentiment_score":0.8276688903570175}],"sentiment":"positive","sentiment_score":0.4078190448609265,"num_words":22,"start":2.6399999,"end":11.38},{"sentences":[{"text":"I've got you booked in for a bit of a catch up for some updated strategies and and a few review points there.","start":12.315,"end":17.755,"sentiment":"positive","sentiment_score":0.3473074475060339},{"text":"Do you still have some time for me?","start":17.755,"end":19.455,"sentiment":"neutral","sentiment_score":0.08435077639296651},{"text":"Perfect.","start":21.515,"end":21.994999,"sentiment":"positive","sentiment_score":0.4628092646598816},{"text":"Perfect.","start":21.994999,"end":22.314999,"sentiment":"positive","sentiment_score":0.3763534426689148},{"text":"So I'll go through the usual security check with you, and I've got a bit of an email to send to you.","start":22.314999,"end":27.57,"sentiment":"neutral","sentiment_score":0.11261818066916683}],"sentiment":"neutral","sentiment_score":0.21781163974241777,"num_words":55,"start":12.315,"end":27.57},{"sentences":[{"text":"Do you have access to your emails today?","start":27.57,"end":29.51,"sentiment":"neutral","sentiment_score":0.0372288606595248},{"text":"Perfect.","start":31.890001,"end":32.29,"sentiment":"neutral","sentiment_score":0.1365993320941925},{"text":"Alright.","start":32.29,"end":32.61,"sentiment":"neutral","sentiment_score":0.08805191516876221},{"text":"So I'll pop that through.","start":32.61,"end":33.65,"sentiment":"neutral","sentiment_score":0.11376690492033958},{"text":"And just while it's going through, are you okay for the call to be recorded?","start":33.65,"end":37.510002,"sentiment":"neutral","sentiment_score":0.057978078722953796}],"sentiment":"neutral","sentiment_score":0.06536626126617193,"num_words":30,"start":27.57,"end":37.510002},{"sentences":[{"text":"Perfect.","start":40.745003,"end":41.245003,"sentiment":"positive","sentiment_score":0.34361743927001953},{"text":"And just for the security of your info, so I'm registered with Advicus Advisor one two seven three one zero five.","start":41.305,"end":47.485,"sentiment":"neutral","sentiment_score":0.1009383581223942},{"text":"Can I confirm your date of birth and address?","start":47.545002,"end":50.045002,"sentiment":"neutral","sentiment_score":0.04688180693321758},{"text":"Perfect.","start":55.510002,"end":56.010002,"sentiment":"neutral","sentiment_score":0.08218241482973099},{"text":"Amazing.","start":60.47,"end":60.97,"sentiment":"positive","sentiment_score":0.5059636831283569}],"sentiment":"neutral","sentiment_score":0.10525470667264679,"num_words":33,"start":40.745003,"end":60.97},{"sentences":[{"text":"Thank you so much for that, David.","start":61.03,"end":62.65,"sentiment":"positive","sentiment_score":0.5025687771184104},{"text":"Mate, I do have to give you just a quick warning before I go ahead.","start":62.870003,"end":66.285,"sentiment":"neutral","sentiment_score":-0.08423120925823847},{"text":"My three year old broke his leg, so I do have him home with me today.","start":67.165,"end":70.76501,"sentiment":"neutral","sentiment_score":-0.16053880099207163},{"text":"So if you hear a bit annoying, I do apologize.","start":70.76501,"end":72.465004,"sentiment":"neutral","sentiment_score":-0.16240845657885075},{"text":"He went, oh, you've you've got a newborn baby.","start":76.125,"end":78.285,"sentiment":"neutral","sentiment_score":0.04900068251623048}],"sentiment":"neutral","sentiment_score":-0.02626641996596989,"num_words":57,"start":61.03,"end":78.285},{"sentences":[{"text":"I'll go break my leg, and so the whole family's enjoying the darn time for that.","start":78.285,"end":89.926926,"sentiment":"neutral","sentiment_score":0.1719427853822708},{"text":"Fair enough.","start":89.926926,"end":90.35769,"sentiment":"neutral","sentiment_score":0.1105278879404068},{"text":"Fair enough.","start":90.35769,"end":90.78846,"sentiment":"neutral","sentiment_score":0.15038347616791725},{"text":"Thank you for that.","start":90.78846,"end":91.65,"sentiment":"positive","sentiment_score":0.45869702845811844},{"text":"Now that should come through pretty quickly, that email there, and I'll go through a couple of quick points in terms of what your your goals were previously, see if there's been any major changes.","start":91.65,"end":102.335,"sentiment":"neutral","sentiment_score":0.14597560678209578}],"sentiment":"neutral","sentiment_score":0.1731668075515052,"num_words":59,"start":78.285,"end":102.335},{"sentences":[{"text":"And then I just wanna kind of walk you through what I've been researching and the ideas that I'd like to kind of change.","start":102.395004,"end":111.53,"sentiment":"neutral","sentiment_score":0.10565331935261686},{"text":"Perfect.","start":111.67,"end":112.17,"sentiment":"positive","sentiment_score":0.3389008343219757},{"text":"Now when you get that email, it should be listed as open new financial statement of advice.","start":112.39,"end":117.369995,"sentiment":"neutral","sentiment_score":0.18881099890260136},{"text":"Can you see that in your main inbox?","start":118.229996,"end":119.909996,"sentiment":"neutral","sentiment_score":0.08857217710465193},{"text":"It may have gone to your spam folder if it is your first time.","start":119.909996,"end":122.955,"sentiment":"neutral","sentiment_score":-0.05947657005994448}],"sentiment":"neutral","sentiment_score":0.09312926431448432,"num_words":64,"start":102.395004,"end":122.955},{"sentences":[{"text":"Perfect.","start":125.515,"end":125.915,"sentiment":"positive","sentiment_score":0.5951451063156128},{"text":"Perfect.","start":125.915,"end":126.235,"sentiment":"positive","sentiment_score":0.5510548949241638},{"text":"So if you can hit that purple button to it says sign on it, but it does bring open all six documents to review with me, and we can have a bit of a scroll together.","start":126.235,"end":135.57,"sentiment":"neutral","sentiment_score":0.27036191067761844},{"text":"Could be a little bit further down.","start":141.49,"end":143.89001,"sentiment":"neutral","sentiment_score":0.017402868451816694},{"text":"Yeah.","start":143.89001,"end":144.13,"sentiment":"neutral","sentiment_score":0.03350766748189926}],"sentiment":"neutral","sentiment_score":0.23988166374518818,"num_words":46,"start":125.515,"end":144.13},{"sentences":[{"text":"Click the start.","start":144.13,"end":145.11,"sentiment":"neutral","sentiment_score":0.034969307482242584},{"text":"Now when you get in there, it should have that Gold Coast Beachfront city picture on that first document labeled statement of advice.","start":147.65001,"end":154.73499,"sentiment":"neutral","sentiment_score":0.07802996185162793},{"text":"No.","start":161.75499,"end":161.915,"sentiment":"neutral","sentiment_score":-0.12593086063861847},{"text":"You're right, man.","start":161.915,"end":162.6,"sentiment":"neutral","sentiment_score":-0.12372154245773952},{"text":"No.","start":187.175,"end":187.415,"sentiment":"neutral","sentiment_score":-0.06991671025753021}],"sentiment":"neutral","sentiment_score":0.04298660796015493,"num_words":31,"start":144.13,"end":187.415},{"sentences":[{"text":"No.","start":187.415,"end":187.575,"sentiment":"neutral","sentiment_score":-0.0656970888376236},{"text":"You're totally fine.","start":187.575,"end":188.795,"sentiment":"neutral","sentiment_score":-0.023544045786062878},{"text":"No.","start":195.26999,"end":195.51,"sentiment":"neutral","sentiment_score":-0.05359084531664848},{"text":"Definitely don't want you to accidentally sign anything, so I just wanna get into the document first.","start":195.51,"end":200.09,"sentiment":"neutral","sentiment_score":-0.09770342948682167},{"text":"No.","start":202.79,"end":203.03,"sentiment":"neutral","sentiment_score":-0.18084019422531128}],"sentiment":"neutral","sentiment_score":-0.08833558987016263,"num_words":23,"start":187.415,"end":203.03},{"sentences":[{"text":"No.","start":203.03,"end":203.43,"sentiment":"neutral","sentiment_score":-0.1696390062570572},{"text":"I need to run through it with you.","start":203.43,"end":204.62999,"sentiment":"neutral","sentiment_score":-0.16083410382270813},{"text":"Make sure he's comfortable first.","start":204.62999,"end":205.965,"sentiment":"neutral","sentiment_score":-0.13924389630556105},{"text":"No.","start":209.00499,"end":209.165,"sentiment":"neutral","sentiment_score":-0.05700896680355072},{"text":"You're totally fine.","start":209.165,"end":210.305,"sentiment":"neutral","sentiment_score":-0.02413165383040905}],"sentiment":"neutral","sentiment_score":-0.12677418037007251,"num_words":18,"start":203.03,"end":210.305},{"sentences":[{"text":"Does it still let you scroll up and down?","start":211.805,"end":213.665,"sentiment":"neutral","sentiment_score":-0.00824022577661607},{"text":"Perfect.","start":217.00499,"end":217.50499,"sentiment":"neutral","sentiment_score":0.16073083877563477},{"text":"Yeah.","start":217.565,"end":217.885,"sentiment":"neutral","sentiment_score":0.08907450735569},{"text":"Just amazing.","start":217.885,"end":220.0,"sentiment":"neutral","sentiment_score":0.29453757405281067},{"text":"Amazing.","start":220.0,"end":220.5,"sentiment":"positive","sentiment_score":0.4691213369369507}],"sentiment":"neutral","sentiment_score":0.08813141422745373,"num_words":14,"start":211.805,"end":220.5},{"sentences":[{"text":"So if you could just skip through to pages three and four for me, it's got a scope of advice.","start":220.56,"end":226.09999,"sentiment":"neutral","sentiment_score":0.25963916778564455},{"text":"Perfect.","start":230.72,"end":231.22,"sentiment":"positive","sentiment_score":0.3473951518535614},{"text":"The main thing that I'm focusing on for this updated strategy was updating your portfolio.","start":231.63501,"end":237.175,"sentiment":"neutral","sentiment_score":0.17368991374969484},{"text":"And if you recall, there was a bit of a conversation about some trauma insurance that you might be able to get just given that you're a bit you're still working on the citizenship side of things, and we've been calling around a few insurers to see what cover you can actually get based on different visas, different citizenship statuses.","start":238.195,"end":259.46,"sentiment":"neutral","sentiment_score":0.08527732497702042},{"text":"Does that ring a bell?","start":259.46,"end":260.235,"sentiment":"neutral","sentiment_score":0.06459518671035766}],"sentiment":"neutral","sentiment_score":0.13450636283153355,"num_words":101,"start":220.56,"end":260.235},{"sentences":[{"text":"Perfect.","start":263.435,"end":263.75497,"sentiment":"positive","sentiment_score":0.6181313991546631},{"text":"So I'll go through that with you in a sec.","start":263.75497,"end":265.615,"sentiment":"neutral","sentiment_score":0.2567127779126167},{"text":"Just before I swing down any further, your main focuses at the time was renovations and cruises, and, obviously, the citizenship is kind of like a long term ten year goal.","start":266.155,"end":278.65,"sentiment":"neutral","sentiment_score":0.16379496911841054},{"text":"How do you end up going with the renos?","start":279.35,"end":281.13,"sentiment":"neutral","sentiment_score":0.09198617686827977},{"text":"Oh, sensational.","start":301.605,"end":302.265,"sentiment":"positive","sentiment_score":0.5120854079723358}],"sentiment":"neutral","sentiment_score":0.19084810620208956,"num_words":53,"start":263.435,"end":302.265},{"sentences":[{"text":"Yeah.","start":302.325,"end":302.565,"sentiment":"neutral","sentiment_score":0.26651063561439514},{"text":"I've got that 80% built deck next to me, and I'm just doing the finishing touches for that one.","start":302.565,"end":308.41998,"sentiment":"neutral","sentiment_score":0.2463558880906356},{"text":"So I can understand it can take a little while.","start":308.41998,"end":311.47998,"sentiment":"neutral","sentiment_score":0.00788700431585312},{"text":"And is there anything else sort of focusing for you guys the next couple of years?","start":311.94,"end":316.03998,"sentiment":"neutral","sentiment_score":0.05521813652012497},{"text":"Oh, man.","start":328.565,"end":329.14502,"sentiment":"negative","sentiment_score":-0.4416752755641937}],"sentiment":"neutral","sentiment_score":0.10471421220184614,"num_words":48,"start":302.325,"end":329.14502},{"sentences":[{"text":"Fair.","start":334.22,"end":334.72,"sentiment":"neutral","sentiment_score":-0.1951712071895599},{"text":"Hardly fair.","start":335.02,"end":336.0,"sentiment":"neutral","sentiment_score":-0.295012891292572},{"text":"Oh, no.","start":350.155,"end":350.81497,"sentiment":"neutral","sentiment_score":-0.14878135919570923},{"text":"Oh, mate.","start":354.395,"end":354.875,"sentiment":"neutral","sentiment_score":-0.041810669004917145},{"text":"Double whammy on that one.","start":354.875,"end":356.07498,"sentiment":"neutral","sentiment_score":-0.1599186860024929}],"sentiment":"neutral","sentiment_score":-0.1638312063490351,"num_words":12,"start":334.22,"end":356.07498},{"sentences":[{"text":"I'm sorry to hear that.","start":356.07498,"end":357.0,"sentiment":"neutral","sentiment_score":-0.252081498503685},{"text":"Yep.","start":371.845,"end":372.085,"sentiment":"neutral","sentiment_score":-0.06081373989582062},{"text":"So it's safe to say you've been busy and a lot going on.","start":372.085,"end":375.145,"sentiment":"neutral","sentiment_score":0.0718643728357095},{"text":"Okay.","start":378.245,"end":378.745,"sentiment":"positive","sentiment_score":0.42820486426353455},{"text":"So I'll keep our side of things nice and straight forward for you because I don't wanna be a burden on you.","start":378.805,"end":385.99002,"sentiment":"positive","sentiment_score":0.5290225012735887}],"sentiment":"neutral","sentiment_score":0.27808846444601104,"num_words":42,"start":356.07498,"end":385.99002},{"sentences":[{"text":"But the main thing is just, again, updating the super, and I did get some headway on the trauma cover.","start":386.05002,"end":393.67,"sentiment":"neutral","sentiment_score":0.046800920739769936},{"text":"Now I wanna just sort of double check that with you.","start":393.81,"end":397.19,"sentiment":"neutral","sentiment_score":0.1393886147574945},{"text":"We'll we'll have a bit of a scroll down.","start":397.57,"end":399.285,"sentiment":"neutral","sentiment_score":0.20469842023319668},{"text":"We've got your other your other goals there.","start":399.445,"end":401.785,"sentiment":"neutral","sentiment_score":0.2304010819643736},{"text":"If you can go down pages eight and nine of the about you section and also your assets and liabilities.","start":401.845,"end":409.925,"sentiment":"neutral","sentiment_score":0.1265629056841135}],"sentiment":"neutral","sentiment_score":0.12773596659740982,"num_words":68,"start":386.05002,"end":409.925},{"sentences":[{"text":"I just wanna quickly touch on that.","start":409.925,"end":411.48,"sentiment":"neutral","sentiment_score":0.1338174194097519},{"text":"So we've got phone and email, 166,000 of the income still doing the truck driving.","start":417.0,"end":423.1,"sentiment":"neutral","sentiment_score":0.022759328658382098},{"text":"$1.90.","start":433.535,"end":434.17502,"sentiment":"neutral","sentiment_score":0.006419696379452944},{"text":"So that was just for the tax return?","start":434.17502,"end":435.875,"sentiment":"neutral","sentiment_score":-0.0076991000678390265},{"text":"Yep.","start":441.69,"end":442.19,"sentiment":"neutral","sentiment_score":0.07586931437253952}],"sentiment":"neutral","sentiment_score":0.04058775237353984,"num_words":32,"start":409.925,"end":442.19},{"sentences":[{"text":"Perfect.","start":445.29,"end":445.79,"sentiment":"neutral","sentiment_score":0.30528151988983154},{"text":"Okay.","start":445.93,"end":446.43,"sentiment":"neutral","sentiment_score":0.08645844459533691},{"text":"If you have a swing down there, I've got the I'm assuming the home value has probably changed a little bit, maybe the mortgage, but I've got the two cars and the home listed with the mortgage.","start":447.37,"end":457.355,"sentiment":"neutral","sentiment_score":0.006251178354628988},{"text":"They're about $5.10.","start":458.21503,"end":459.67502,"sentiment":"neutral","sentiment_score":0.008714432207246622},{"text":"Okay.","start":475.38,"end":475.54,"sentiment":"neutral","sentiment_score":-0.16393911838531494}],"sentiment":"neutral","sentiment_score":0.01128459864750851,"num_words":43,"start":445.29,"end":475.54},{"sentences":[{"text":"I got it for You hit the the twilight period of that sort of 5PM where the sun hits that middle point, and the sun is just gonna be worse than nothing.","start":475.54,"end":491.96503,"sentiment":"negative","sentiment_score":-0.34970598900690675},{"text":"Yeah.","start":508.46,"end":508.875,"sentiment":"neutral","sentiment_score":0.005339854396879673},{"text":"Yeah.","start":513.195,"end":513.595,"sentiment":"neutral","sentiment_score":0.0017494698986411097},{"text":"$9.50 on the main value and $5.10 for the mortgage.","start":513.595,"end":517.375,"sentiment":"neutral","sentiment_score":0.009532116883201524},{"text":"Perfect.","start":536.635,"end":536.955,"sentiment":"positive","sentiment_score":0.6182295083999634}],"sentiment":"neutral","sentiment_score":-0.2326655921487448,"num_words":45,"start":475.54,"end":536.955},{"sentences":[{"text":"I'll go a bit conservative with it.","start":536.955,"end":538.815,"sentiment":"positive","sentiment_score":0.3665005436965397},{"text":"It doesn't make too much difference for us, but I'll put the one point one one point two there, and, hopefully, that'll give you a nice little boost above that.","start":539.275,"end":546.48,"sentiment":"positive","sentiment_score":0.3939169282714526},{"text":"And the mortgage at $5.10, is that changed?","start":547.19995,"end":549.62,"sentiment":"neutral","sentiment_score":0.023863340727984905},{"text":"Perfect.","start":561.68,"end":562.155,"sentiment":"neutral","sentiment_score":0.1723465472459793},{"text":"Awesome.","start":569.515,"end":569.99506,"sentiment":"positive","sentiment_score":0.6129989624023438}],"sentiment":"neutral","sentiment_score":0.32679284871258635,"num_words":47,"start":536.955,"end":569.99506},{"sentences":[{"text":"And you've knocked it back down.","start":569.99506,"end":571.29504,"sentiment":"neutral","sentiment_score":0.2767313967148463},{"text":"Yep.","start":576.02,"end":576.52,"sentiment":"neutral","sentiment_score":0.06896232813596725},{"text":"Yeah.","start":590.26,"end":590.66,"sentiment":"neutral","sentiment_score":0.29497230052948},{"text":"Perfect.","start":590.66,"end":591.14,"sentiment":"positive","sentiment_score":0.6051614284515381},{"text":"Perfect.","start":591.14,"end":591.615,"sentiment":"positive","sentiment_score":0.6676521301269531}],"sentiment":"neutral","sentiment_score":0.3297136567533016,"num_words":10,"start":569.99506,"end":591.615},{"sentences":[{"text":"Good cash flow strategy.","start":591.855,"end":593.15497,"sentiment":"positive","sentiment_score":0.7093865126371384},{"text":"Alright.","start":593.77496,"end":594.175,"sentiment":"positive","sentiment_score":0.3737165927886963},{"text":"I'll update all that on our system.","start":594.175,"end":595.855,"sentiment":"positive","sentiment_score":0.38739125643457684},{"text":"Thank you so much for that info.","start":595.855,"end":597.395,"sentiment":"positive","sentiment_score":0.7653541479791913},{"text":"If you can have a swing down for me, just to keep it nice and easy for you, we'll just kind of skip through.","start":597.77496,"end":603.77496,"sentiment":"positive","sentiment_score":0.34905727456013363}],"sentiment":"positive","sentiment_score":0.45715942008550775,"num_words":43,"start":591.855,"end":603.77496},{"sentences":[{"text":"You've got the super on page 10, the risk profile being high growth on page eleven and twelve, and then strategy recommendations on 13, the big wall of text there under a blue title, strategy recommendations.","start":603.77496,"end":617.39996,"sentiment":"neutral","sentiment_score":0.2195721556329065},{"text":"Can you see that one?","start":617.77997,"end":618.705,"sentiment":"neutral","sentiment_score":0.08140731528401375},{"text":"So, basically, to summarize why we're doing what we're doing with the portfolio is we're trying to reduce the investment fees, improve the performance, get everything sort of back on track for a consistent double digit return across all time periods, not just some of them.","start":621.185,"end":638.44,"sentiment":"positive","sentiment_score":0.5102005354736162},{"text":"And we've also factored in things like any capital gains tax inside the super under the hood when we switch investments around.","start":638.74,"end":647.395,"sentiment":"positive","sentiment_score":0.3465115861459212},{"text":"The only thing that I'm not doing in here is I can't give you that full 22 retirement analysis projection.","start":647.935,"end":655.47504,"sentiment":"neutral","sentiment_score":-0.24418335184454917}],"sentiment":"neutral","sentiment_score":0.2676003617775995,"num_words":129,"start":603.77496,"end":655.47504},{"sentences":[{"text":"It's just a little bit too far out because there's so many changes that'll happen in your life.","start":655.615,"end":659.91,"sentiment":"neutral","sentiment_score":-0.3051853995356295},{"text":"We usually just do, like, a ten year projection at this point.","start":660.38995,"end":663.61,"sentiment":"neutral","sentiment_score":-0.11229276470839977},{"text":"Okay?","start":667.99,"end":668.49,"sentiment":"neutral","sentiment_score":0.05249856412410736},{"text":"Now the main thing here, if you skip through, there'll be some alternatives that we looked at.","start":668.62994,"end":674.115,"sentiment":"neutral","sentiment_score":0.08077189041411176},{"text":"The the usual market risk about, you know, you can't control the weather.","start":674.27496,"end":677.65497,"sentiment":"neutral","sentiment_score":-0.03713348135352135}],"sentiment":"neutral","sentiment_score":-0.09668794958317867,"num_words":61,"start":655.615,"end":677.65497},{"sentences":[{"text":"Markets go up and down, but we do pick the investments for you.","start":677.71497,"end":681.255,"sentiment":"neutral","sentiment_score":0.1491307925719481},{"text":"If you can go down to page 16, this is where the table start, and just a couple of things I wanted to point out for you.","start":681.555,"end":688.26,"sentiment":"neutral","sentiment_score":0.1875900662055722},{"text":"It's actually a pretty big investment table.","start":689.22003,"end":691.4,"sentiment":"neutral","sentiment_score":0.23661483185631887},{"text":"Can you see that one there?","start":691.7,"end":692.92,"sentiment":"neutral","sentiment_score":0.11474549770355225},{"text":"Cool.","start":695.06,"end":695.56,"sentiment":"neutral","sentiment_score":0.26257193088531494}],"sentiment":"neutral","sentiment_score":0.17798112650160436,"num_words":54,"start":677.71497,"end":695.56},{"sentences":[{"text":"So when it comes to the progress of everything, your last review, you were sitting at a 138,000.","start":696.18,"end":703.32,"sentiment":"neutral","sentiment_score":0.14787150443428093},{"text":"As of today, you're at 163,000 when I add in all the cash and everything.","start":703.90497,"end":708.725,"sentiment":"neutral","sentiment_score":0.15567079335451126},{"text":"We've had some some cash from your contributions pulling off to the side, which has been pretty good actually because the stock market had a bit of a crash in March.","start":709.425,"end":718.41,"sentiment":"neutral","sentiment_score":-0.0004109259574644027},{"text":"So when the stock market went down, you missed a big chunk of that, and it kind of only affected you at around about two to 5% instead of seven to 12.","start":719.76996,"end":729.06995,"sentiment":"neutral","sentiment_score":-0.15011895960196853},{"text":"But it's kind of flatlined your your investment return for the year even though your balance has gone up 25.","start":729.44995,"end":736.785,"sentiment":"negative","sentiment_score":-0.3495911002159119}],"sentiment":"neutral","sentiment_score":-0.05872084858730949,"num_words":116,"start":696.18,"end":736.785},{"sentences":[{"text":"That's mainly from your contribution.","start":736.845,"end":738.545,"sentiment":"neutral","sentiment_score":-0.06924105286598206},{"text":"Does that make sense?","start":738.845,"end":739.90497,"sentiment":"neutral","sentiment_score":0.05140065122395754},{"text":"Now in that table, can you see the second last column?","start":742.285,"end":746.15,"sentiment":"neutral","sentiment_score":0.04927695915102959},{"text":"It's probably the the most sort of digit bit I wanna show you.","start":746.29004,"end":749.11,"sentiment":"neutral","sentiment_score":0.08703980251000477},{"text":"Second last column is target weight percentages, and you should see some nice round figures in that column.","start":749.57,"end":755.11,"sentiment":"neutral","sentiment_score":0.20618883261664045}],"sentiment":"neutral","sentiment_score":0.10283059433248698,"num_words":51,"start":736.845,"end":755.11},{"sentences":[{"text":"So 16 page 16 still.","start":762.86505,"end":765.04504,"sentiment":"neutral","sentiment_score":0.014678329229354858},{"text":"We've got the second last column as target weight percentage, and you'll see, like, seven percent zero seven zero, and it kinda just goes down the list.","start":765.34503,"end":774.30005,"sentiment":"neutral","sentiment_score":0.07937583823998769},{"text":"So what I'm basically doing here is a a two factor strategy.","start":776.76,"end":781.34,"sentiment":"neutral","sentiment_score":0.15957611861328283},{"text":"So we do a rebalance, which anything that's kind of going up to, you know, 32.1% and this one's going down to 17.4, we just bring those back to the middle again, kind of buy low to sell high.","start":781.72003,"end":795.125,"sentiment":"neutral","sentiment_score":0.14501330189597914},{"text":"Take some profits from this one, rebalance all your investments.","start":795.185,"end":798.485,"sentiment":"positive","sentiment_score":0.4191922426223755}],"sentiment":"neutral","sentiment_score":0.15031068711992232,"num_words":93,"start":762.86505,"end":798.485},{"sentences":[{"text":"At the same time, all of the ones that have a zero in that column, I'm switching out.","start":799.13995,"end":804.6,"sentiment":"neutral","sentiment_score":0.03156426652438111},{"text":"So the option in the second row was doing kind of average last year.","start":805.13995,"end":811.16,"sentiment":"neutral","sentiment_score":-0.003178892657160759},{"text":"It still hasn't kind of recovered, so we're removing that one along with a bit of exposure to Europe and Japan in the middle.","start":811.345,"end":819.845,"sentiment":"neutral","sentiment_score":-0.14940793874363104},{"text":"And at the bottom, those bottom four or five, these are the options that we're adding into the portfolio.","start":820.305,"end":827.24005,"sentiment":"neutral","sentiment_score":0.12380109021538183},{"text":"So for your defensive portion, we're putting some of the cash into some bonds, which are kind of safer.","start":827.38,"end":835.4,"sentiment":"neutral","sentiment_score":0.16418944769784025}],"sentiment":"neutral","sentiment_score":0.02563491479513493,"num_words":94,"start":799.13995,"end":835.4},{"sentences":[{"text":"They're fixed interest.","start":835.54004,"end":836.58,"sentiment":"neutral","sentiment_score":0.21687792241573334},{"text":"They get a higher return in cash, but they're not risky like the stock market.","start":836.58,"end":840.725,"sentiment":"neutral","sentiment_score":0.17656771689653397},{"text":"Whereas everything else above that, these are all of your replacements for those options.","start":840.865,"end":845.605,"sentiment":"neutral","sentiment_score":0.19390185177326202},{"text":"So the Radia 200, the Raffi 200, they're essentially a low fee replacement of the previous option, much better performance over one, three, five, and ten years.","start":846.14496,"end":859.74,"sentiment":"positive","sentiment_score":0.49071712847109195},{"text":"The only other thing of note is we have mixed in a little bit of India in there just because of a bit of manufacturing going from China to India.","start":864.92,"end":871.905,"sentiment":"neutral","sentiment_score":0.007192383209864299}],"sentiment":"neutral","sentiment_score":0.21886415068018303,"num_words":89,"start":835.54004,"end":871.905},{"sentences":[{"text":"It's a bit more of a long term play over the next five years or so, but only a small portion.","start":871.965,"end":876.865,"sentiment":"neutral","sentiment_score":0.008594667539000511},{"text":"Cool.","start":880.045,"end":880.47,"sentiment":"positive","sentiment_score":0.49833089113235474},{"text":"Now if you go down, the main thing I wanted to show you was page 18 with that pie chart that you would have seen with the colors on it.","start":880.55,"end":887.93,"sentiment":"neutral","sentiment_score":0.12003018359343211},{"text":"So for your high growth risk profile, you need to be sitting between 90 to a 100% growth asset because we've been pulling some cash off to the side while the market was kind of going down.","start":889.99,"end":900.965,"sentiment":"neutral","sentiment_score":-0.09302478837403091},{"text":"You're sitting at 84%.","start":901.025,"end":902.72504,"sentiment":"neutral","sentiment_score":0.02131393481977284}],"sentiment":"neutral","sentiment_score":0.00992540845907824,"num_words":93,"start":871.965,"end":902.72504},{"sentences":[{"text":"We're essentially gonna redeploy that into the fixed interest, and that'll bring you back up to about 92 and get you into all the different areas, gold, shares, and safer assets, and just keep you in line with that risk profile.","start":903.10504,"end":918.32,"sentiment":"neutral","sentiment_score":0.27952421293026064},{"text":"The reminder there, though, is that the high growth is to try and get the high returns over five, ten years.","start":921.83496,"end":927.615,"sentiment":"neutral","sentiment_score":0.010167121709812255},{"text":"Once we have built the balance up, like I said previously, we do have to reduce it down.","start":928.235,"end":933.27496,"sentiment":"neutral","sentiment_score":-0.2001312350233396},{"text":"It's up to be 64, lose half your super business top market crashes a year before you go to retire.","start":933.27496,"end":939.21,"sentiment":"negative","sentiment_score":-0.37016685754060746},{"text":"Now if you swing past there, I've updated a couple of little projections there for you as well on pages nineteen and twenty.","start":943.43,"end":950.97,"sentiment":"neutral","sentiment_score":0.009628517269764257}],"sentiment":"neutral","sentiment_score":0.0072338113985289405,"num_words":123,"start":903.10504,"end":950.97},{"sentences":[{"text":"You should see a fee comparison table where it says current and recommended and different.","start":951.285,"end":955.945,"sentiment":"neutral","sentiment_score":0.024221454560756684},{"text":"We're looking at page 19, and you should see a fee comparison table.","start":963.76495,"end":969.41,"sentiment":"neutral","sentiment_score":-0.01127266468336949},{"text":"It usually goes yep.","start":969.95,"end":972.21,"sentiment":"neutral","sentiment_score":-0.0029853780288249254},{"text":"Now if you go on the right hand side, the difference at the top right can you see the minus 1,000 up there on the top right?","start":972.35,"end":978.765,"sentiment":"neutral","sentiment_score":0.0007834887063061749},{"text":"So that's essentially any, like, brokerage fees to purchase the investments, which we use all the ETFs.","start":981.325,"end":988.925,"sentiment":"neutral","sentiment_score":0.07394672667278963}],"sentiment":"neutral","sentiment_score":0.019514265972630757,"num_words":76,"start":951.285,"end":988.925},{"sentences":[{"text":"So they're very, very cheap for the whole time you hold them, but you spend a little bit to buy them up front.","start":988.925,"end":994.93,"sentiment":"neutral","sentiment_score":0.20101903670507928},{"text":"And that's also capital gains tax under the hood as well.","start":995.55,"end":998.77,"sentiment":"neutral","sentiment_score":0.056186987425793304},{"text":"With the investments, though, we've been able to half the investment fee.","start":999.07,"end":1002.53,"sentiment":"positive","sentiment_score":0.33947119240959484},{"text":"So that'll save you $520 a year.","start":1002.67,"end":1005.525,"sentiment":"positive","sentiment_score":0.45378653492246357},{"text":"And as your balance grows, because it's a percentage savings, that'll just compound and compound over the years bigger and bigger as well.","start":1005.60504,"end":1013.30505,"sentiment":"positive","sentiment_score":0.33484726561152417}],"sentiment":"neutral","sentiment_score":0.2656992351097104,"num_words":76,"start":988.925,"end":1013.30505},{"sentences":[{"text":"The bottom row of that table, we're bringing the five year performance average back up from that kind of six and a half percent back up to around 12.","start":1017.525,"end":1026.49,"sentiment":"positive","sentiment_score":0.4658887581578616},{"text":"Like I said before, we need to have it consistently above 10%.","start":1026.63,"end":1030.89,"sentiment":"neutral","sentiment_score":0.3172035403549671},{"text":"Projection down below.","start":1035.065,"end":1036.205,"sentiment":"neutral","sentiment_score":0.015550551936030388},{"text":"So there's a combination of the investment switches and some contribution advice as well.","start":1036.345,"end":1043.005,"sentiment":"neutral","sentiment_score":0.16729759957109178},{"text":"And bit of grain of salt, of course, but over five and ten years, we're expecting it to go from 90 to 200,000 difference over five and ten years.","start":1043.385,"end":1053.1799,"sentiment":"neutral","sentiment_score":0.07514631343555861}],"sentiment":"neutral","sentiment_score":0.2515549150605996,"num_words":87,"start":1017.525,"end":1053.1799},{"sentences":[{"text":"Swing over to the next page, last couple of things to show you is the performance table.","start":1057.1599,"end":1062.7,"sentiment":"neutral","sentiment_score":0.16996730601086335},{"text":"And what I really wanted to show you here was on the left hand side, you can see it kind of bounces around between 1% here, 10% there, 6% here, whereas with the new portfolio, it's consistently in the double digits across all periods.","start":1063.0,"end":1076.925,"sentiment":"neutral","sentiment_score":0.22062760625373234},{"text":"Basically, a couple of the options that we switched out, they're a little bit too, I guess, volatile.","start":1080.185,"end":1085.15,"sentiment":"neutral","sentiment_score":-0.06142430887040165},{"text":"Some years they're going fantastic.","start":1085.6101,"end":1087.0701,"sentiment":"neutral","sentiment_score":0.21277220249176027},{"text":"Some years they're going very, very poorly.","start":1087.2101,"end":1089.0701,"sentiment":"neutral","sentiment_score":-0.2458287477493286}],"sentiment":"neutral","sentiment_score":0.11906023182302386,"num_words":91,"start":1057.1599,"end":1089.0701},{"sentences":[{"text":"And I just wanted to get it a little bit more consistent year on year for you, mainly with some some passive low fee options.","start":1089.29,"end":1096.905,"sentiment":"positive","sentiment_score":0.3989548099040985},{"text":"They're a little bit more consistent.","start":1096.985,"end":1097.805,"sentiment":"positive","sentiment_score":0.398810014128685},{"text":"Now we did have a bit of a chat around the the salary sacrifice side of things, and you were thinking of kind of increasing it a little bit from a 150 to $2.40 a week.","start":1100.8251,"end":1113.15,"sentiment":"neutral","sentiment_score":0.0954526648339298},{"text":"That's before tax.","start":1113.15,"end":1114.37,"sentiment":"neutral","sentiment_score":0.06543468435605367},{"text":"Bear in mind, it only impacts your 70¢ on the dollar.","start":1115.0701,"end":1118.53,"sentiment":"neutral","sentiment_score":0.05558721199631691}],"sentiment":"neutral","sentiment_score":0.2069400304928422,"num_words":81,"start":1089.29,"end":1118.53},{"sentences":[{"text":"But, realistically, just wanna be guided by you.","start":1118.67,"end":1122.03,"sentiment":"neutral","sentiment_score":0.1985146775841713},{"text":"I mean, given all everything you've got going on with with family and health and cash flow.","start":1122.03,"end":1126.645,"sentiment":"neutral","sentiment_score":0.15127946918501572},{"text":"K.","start":1145.1699,"end":1145.49,"sentiment":"neutral","sentiment_score":-0.023162366822361943},{"text":"So do you think you'll be hitting $1.90 again for this financial year, do you think?","start":1145.49,"end":1150.755,"sentiment":"neutral","sentiment_score":0.026072897017002106},{"text":"Right.","start":1165.65,"end":1166.15,"sentiment":"neutral","sentiment_score":-0.24532881379127505}],"sentiment":"neutral","sentiment_score":0.1001986876390008,"num_words":43,"start":1118.67,"end":1166.15},{"sentences":[{"text":"Okay.","start":1170.93,"end":1171.43,"sentiment":"neutral","sentiment_score":-0.1352705955505371},{"text":"Gotcha.","start":1189.625,"end":1190.125,"sentiment":"neutral","sentiment_score":-0.065446637570858},{"text":"Okay.","start":1190.505,"end":1191.005,"sentiment":"neutral","sentiment_score":0.002379961311817169},{"text":"So better changes on the horizon possibly.","start":1191.065,"end":1193.4401,"sentiment":"neutral","sentiment_score":0.11765408622367042},{"text":"Okay.","start":1196.54,"end":1196.9401,"sentiment":"neutral","sentiment_score":0.07250255346298218}],"sentiment":"neutral","sentiment_score":0.06343126229264519,"num_words":11,"start":1170.93,"end":1196.9401},{"sentences":[{"text":"So what I think you should do then are you using an offset account for the mortgage?","start":1196.9401,"end":1203.435,"sentiment":"neutral","sentiment_score":0.023735606330720818},{"text":"Okay.","start":1208.7151,"end":1209.2151,"sentiment":"neutral","sentiment_score":-0.025614356622099876},{"text":"So what you can do I'm not okay.","start":1209.275,"end":1213.8551,"sentiment":"neutral","sentiment_score":-0.09127431362867355},{"text":"I think you should keep the contributions at $1.90 for the time being because if you do hit that higher figure again, if I increase it to $2.40, you might just go over the cap a little bit, which they'll use up anything you haven't used going backwards five years anyway, which will get you through for the first time.","start":1215.675,"end":1233.315,"sentiment":"neutral","sentiment_score":0.13000565742452938},{"text":"The better way to do it is if you have a redraw or an offset account or even just a savings account, is pull everything else into the savings.","start":1234.115,"end":1244.1349,"sentiment":"neutral","sentiment_score":0.22517253561266537}],"sentiment":"neutral","sentiment_score":0.12154816887138978,"num_words":115,"start":1196.9401,"end":1244.1349},{"sentences":[{"text":"And when it comes time for June, if there's anything left over in the tap that you haven't done, we can do a one off contribution then.","start":1244.195,"end":1250.9199,"sentiment":"neutral","sentiment_score":0.16359690218060105},{"text":"It's not as nice as having it pretax like we were doing currently, but I think the $1.90 is the safe amount just for the time Yeah.","start":1251.5399,"end":1276.6499,"sentiment":"neutral","sentiment_score":0.046955639565432514},{"text":"I agree a 100%.","start":1276.6499,"end":1277.77,"sentiment":"neutral","sentiment_score":0.1890437682159245},{"text":"And what'll happen is, let's say, you get to next year and you've put in twenty nine and a half thousand and you've got $3 to go, you can pop $3 in, claim it as a tax deduction, and you'll get that chunk back straight away, which just minimizes the time.","start":1277.77,"end":1294.165,"sentiment":"neutral","sentiment_score":0.32945169435412275},{"text":"It's not as good as salary sacrifice, but it's an expense thing.","start":1294.3049,"end":1297.845,"sentiment":"neutral","sentiment_score":-0.06619364224995176}],"sentiment":"neutral","sentiment_score":0.1855273256617144,"num_words":121,"start":1244.195,"end":1297.845},{"sentences":[{"text":"Oh, you can do that every year.","start":1303.3099,"end":1304.77,"sentiment":"positive","sentiment_score":0.33726603218487333},{"text":"Basically, you know how your employer puts in salary sacrifice through the payroll system?","start":1305.15,"end":1309.41,"sentiment":"neutral","sentiment_score":0.10359192799244608},{"text":"You would essentially do a BPAY or EST deposit and then fill in a form with us.","start":1311.79,"end":1317.23,"sentiment":"neutral","sentiment_score":0.2704668457017225},{"text":"We would help you with the the paperwork, and it basically sends a signal to the tax office that you're gonna claim it for a tax deduction.","start":1317.23,"end":1324.265,"sentiment":"positive","sentiment_score":0.4483640867250937},{"text":"And you can do that exactly the same way.","start":1324.965,"end":1327.5449,"sentiment":"positive","sentiment_score":0.33395474818017745}],"sentiment":"neutral","sentiment_score":0.3178447117475239,"num_words":74,"start":1303.3099,"end":1327.5449},{"sentences":[{"text":"Yeah.","start":1330.245,"end":1330.485,"sentiment":"neutral","sentiment_score":0.13087821006774902},{"text":"It's just an extra form, though, not as fun as salary.","start":1330.485,"end":1332.9049,"sentiment":"neutral","sentiment_score":-0.07828386974605647},{"text":"Fine.","start":1341.59,"end":1342.09,"sentiment":"neutral","sentiment_score":0.2145396023988724},{"text":"Yeah.","start":1350.065,"end":1350.385,"sentiment":"neutral","sentiment_score":0.15469714999198914},{"text":"And as long as it's in before, like, June 30 or technically June 25 when the super funds accept it, as long as the money is in, you don't have to complete that form until before you tax return is submitted.","start":1350.385,"end":1363.9,"sentiment":"neutral","sentiment_score":0.16890455582519856}],"sentiment":"neutral","sentiment_score":0.11934689425609328,"num_words":55,"start":1330.245,"end":1363.9},{"sentences":[{"text":"So, basically, as long as you get it in on, say, June 24, you've got a couple of months to finish the form.","start":1364.12,"end":1370.94,"sentiment":"neutral","sentiment_score":0.19908049184343088},{"text":"When you get that accepted, then you could submit the tax return.","start":1371.16,"end":1374.46,"sentiment":"neutral","sentiment_score":0.23736363649368286},{"text":"Yes.","start":1381.175,"end":1381.655,"sentiment":"neutral","sentiment_score":0.2550644278526306},{"text":"Exactly right.","start":1381.655,"end":1382.295,"sentiment":"positive","sentiment_score":0.4655185639858246},{"text":"And I'll flag you on our system as it's called a notice of intent to claim, and I'll flag you as a NOI client.","start":1382.295,"end":1389.355,"sentiment":"neutral","sentiment_score":0.29233178310096264}],"sentiment":"neutral","sentiment_score":0.2520851500092014,"num_words":62,"start":1364.12,"end":1389.355},{"sentences":[{"text":"So that way we can reach out to you in, like, May, June as well, and we can help you with the process.","start":1389.64,"end":1395.4,"sentiment":"positive","sentiment_score":0.4298484532729439},{"text":"It's basically just a deposit and a one page.","start":1395.4,"end":1397.58,"sentiment":"neutral","sentiment_score":0.15669782128598955},{"text":"Cool.","start":1401.08,"end":1401.32,"sentiment":"positive","sentiment_score":0.6249601244926453},{"text":"That sound okay?","start":1401.32,"end":1402.215,"sentiment":"positive","sentiment_score":0.4747474690278371},{"text":"Perfect.","start":1405.255,"end":1405.755,"sentiment":"positive","sentiment_score":0.6897522211074829}],"sentiment":"positive","sentiment_score":0.3793445829604123,"num_words":37,"start":1389.64,"end":1405.755},{"sentences":[{"text":"Now if you can have a quick swing down for me, the last bit I wanted to show you is the the insurance side of things.","start":1406.215,"end":1412.9349,"sentiment":"neutral","sentiment_score":0.10700949080861531},{"text":"So can you go to page 24?","start":1412.9349,"end":1415.195,"sentiment":"neutral","sentiment_score":0.022987498502646173},{"text":"You should see a bit of a blue bar saying to apply for some life insurance.","start":1415.6549,"end":1420.86,"sentiment":"neutral","sentiment_score":0.030863361549563706},{"text":"Yeah.","start":1426.84,"end":1427.34,"sentiment":"neutral","sentiment_score":0.08323288708925247},{"text":"So what I've recommended here is I know you're currently with Cal, and I don't normally recommend having multiple insurance, but Zurich came out very, very, very good in terms of pricing for you for trauma insurance.","start":1427.48,"end":1443.135,"sentiment":"neutral","sentiment_score":0.21460299903677926}],"sentiment":"neutral","sentiment_score":0.13173007915845547,"num_words":87,"start":1406.215,"end":1443.135},{"sentences":[{"text":"Now that's the one that would give you a $100,000 lump sum if you did have a heart attack, stroke, or cancer.","start":1443.63,"end":1450.53,"sentiment":"neutral","sentiment_score":0.19474186104806987},{"text":"Now to make that one a bit cheaper, what we did was we linked it up with a little life policy of a 100,000.","start":1452.11,"end":1459.2251,"sentiment":"neutral","sentiment_score":0.3306109191228946},{"text":"And it's just a bit of a trick of the trade that if you have life insurance linked trauma insurance, it's cheaper than just having the trauma by itself.","start":1459.525,"end":1467.305,"sentiment":"neutral","sentiment_score":0.2293424755334854},{"text":"So they were saying the price would be around about 37 to $41 per month because it's the only cover you can have that has to be out of pocket.","start":1470.5651,"end":1480.83,"sentiment":"neutral","sentiment_score":0.11782431875665983},{"text":"It can't be through super.","start":1480.83,"end":1482.29,"sentiment":"neutral","sentiment_score":-0.06202634423971176}],"sentiment":"neutral","sentiment_score":0.20085920576344837,"num_words":110,"start":1443.63,"end":1482.29},{"sentences":[{"text":"So I was trying to put a limit on it of below $50 a month, and I just wanted to run it by you as an idea that if we put in place this policy here, most of it looks pretty good from a pricing standpoint, $41 a month on the quote.","start":1482.83,"end":1498.71,"sentiment":"neutral","sentiment_score":0.3284198876756888},{"text":"And as far as the permanent residency visa status go, can you see a bit of a box below there in blue where it says exclusion and loading?","start":1499.6699,"end":1509.37,"sentiment":"neutral","sentiment_score":0.03645103072215404},{"text":"It just explains what a residency exclusion is.","start":1509.83,"end":1518.185,"sentiment":"neutral","sentiment_score":-0.006160542601719499},{"text":"Yeah.","start":1523.525,"end":1523.765,"sentiment":"neutral","sentiment_score":0.03605341166257858},{"text":"So you've already got the existing.","start":1523.765,"end":1525.285,"sentiment":"neutral","sentiment_score":0.03931784008940061}],"sentiment":"neutral","sentiment_score":0.19285409611306692,"num_words":95,"start":1482.83,"end":1525.285},{"sentences":[{"text":"I'm just gonna flick back up to the top for a second just to give you the the right details here.","start":1525.285,"end":1530.5499,"sentiment":"neutral","sentiment_score":0.06108977024753889},{"text":"So your towel cover gives you the life insurance and the disability insurance that you already have.","start":1531.17,"end":1537.4299,"sentiment":"neutral","sentiment_score":0.15878168975605683},{"text":"This one is essentially us getting you the trauma cover.","start":1537.73,"end":1540.79,"sentiment":"neutral","sentiment_score":0.17449176162481309},{"text":"So life insurance if you pass away, EPD if you can never work again, trauma is based on a diagnosis.","start":1543.595,"end":1550.975,"sentiment":"neutral","sentiment_score":-0.2597042791545391},{"text":"If you get a diagnosis of, hey.","start":1551.595,"end":1553.6749,"sentiment":"neutral","sentiment_score":-0.12297450112445014}],"sentiment":"neutral","sentiment_score":-0.004370874315500259,"num_words":75,"start":1525.285,"end":1553.6749},{"sentences":[{"text":"You've had a heart attack, stroke.","start":1553.6749,"end":1555.12,"sentiment":"neutral","sentiment_score":-0.16449837386608124},{"text":"You've got a certain type of cancer, organ failure, any sort of severe disease with a really strange Latin name, like bacterial meningitis or anything like that, they basically just give you a lump sum payment to go towards medical expenses in time with the family and so on.","start":1555.12,"end":1573.485,"sentiment":"neutral","sentiment_score":-0.09235231095582855},{"text":"So that was something that we had talked about.","start":1573.7051,"end":1576.8451,"sentiment":"neutral","sentiment_score":0.04139891763528188},{"text":"It's possible to get.","start":1577.145,"end":1578.3451,"sentiment":"neutral","sentiment_score":0.19170276075601578},{"text":"You can only claim on it if you're still, you know, residing in Australia at the time.","start":1578.3451,"end":1582.905,"sentiment":"neutral","sentiment_score":0.004203995361047632}],"sentiment":"neutral","sentiment_score":-0.05060452067238443,"num_words":85,"start":1553.6749,"end":1582.905},{"sentences":[{"text":"That's the exclusion based on citizenship and so on.","start":1582.905,"end":1587.0499,"sentiment":"neutral","sentiment_score":-0.2753546867105696},{"text":"But I just wanted to run this one by you.","start":1587.35,"end":1589.7699,"sentiment":"neutral","sentiment_score":0.013213540613651275},{"text":"K.","start":1593.4299,"end":1593.9299,"sentiment":"neutral","sentiment_score":0.09121105819940568},{"text":"Now with this one, what I would do is there is a bit of a quote that we'll send through to you.","start":1594.07,"end":1601.775,"sentiment":"neutral","sentiment_score":0.2087282253937288},{"text":"Again, it will be $41 with your current birthday, and I basically could get you booked in with the team to go through an application just like the one you did for the life insurance originally.","start":1602.7949,"end":1614.62,"sentiment":"neutral","sentiment_score":0.2087968983170059}],"sentiment":"neutral","sentiment_score":0.12633158438480818,"num_words":78,"start":1582.905,"end":1614.62},{"sentences":[{"text":"Cool.","start":1620.6,"end":1621.1,"sentiment":"positive","sentiment_score":0.37007805705070496},{"text":"Now through the rest of that document, we've got beneficiary nominations, which they're all sorted for the Netwealth, but it was really just to tell life insurance.","start":1622.44,"end":1632.4349,"sentiment":"neutral","sentiment_score":0.23465748462412092},{"text":"And because we're attaching life insurance to the trauma, we can do a nomination on that as well for the Zurich cover once it's applied for.","start":1632.575,"end":1642.4501,"sentiment":"neutral","sentiment_score":0.2697778968856885},{"text":"So I was basically just gonna send some form through so that we could get your partner nominated across all the super the insurances, everything, and make sure all three line up.","start":1642.5901,"end":1653.3301,"sentiment":"neutral","sentiment_score":0.2331991265527904},{"text":"Yep.","start":1672.61,"end":1673.01,"sentiment":"neutral","sentiment_score":-0.02720155008137226}],"sentiment":"neutral","sentiment_score":0.24316351678779072,"num_words":87,"start":1620.6,"end":1673.01},{"sentences":[{"text":"And in terms of getting those to you, would you prefer us to email it through, you print it out, get it signed and witnessed, or would you prefer posted with a return envelope?","start":1673.01,"end":1693.725,"sentiment":"neutral","sentiment_score":0.027915815987131175},{"text":"Yeah.","start":1693.785,"end":1694.025,"sentiment":"neutral","sentiment_score":0.003609945997595787},{"text":"So just like the wills, you need two people who aren't the beneficiary to witness it on the same day.","start":1694.025,"end":1704.7799,"sentiment":"neutral","sentiment_score":-0.003860349068418145},{"text":"It can be any adult as long as they're not the beneficiary.","start":1704.7799,"end":1707.44,"sentiment":"neutral","sentiment_score":-0.021874177580078442},{"text":"Yeah.","start":1711.34,"end":1711.605,"sentiment":"neutral","sentiment_score":0.19597315788269043}],"sentiment":"neutral","sentiment_score":0.011897407869315323,"num_words":68,"start":1673.01,"end":1711.605},{"sentences":[{"text":"Yep.","start":1717.365,"end":1717.865,"sentiment":"neutral","sentiment_score":-0.062121953815221786},{"text":"Fair enough.","start":1722.405,"end":1723.145,"sentiment":"neutral","sentiment_score":0.004040192812681198},{"text":"Posted with a return on the line.","start":1723.525,"end":1725.385,"sentiment":"neutral","sentiment_score":0.049937366374901364},{"text":"If it's easier for you, I can prefill it.","start":1729.8401,"end":1732.4801,"sentiment":"positive","sentiment_score":0.351284427775277},{"text":"So what we were recommending was a legally binding nomination just like the super, a nonlapsing nomination so it doesn't just randomly expire after three years.","start":1732.4801,"end":1742.425,"sentiment":"neutral","sentiment_score":0.188920369801613}],"sentiment":"neutral","sentiment_score":0.18597798802786403,"num_words":45,"start":1717.365,"end":1742.425},{"sentences":[{"text":"Are you okay with that?","start":1742.425,"end":1743.645,"sentiment":"neutral","sentiment_score":0.12784488797187804},{"text":"Cool.","start":1746.505,"end":1747.005,"sentiment":"positive","sentiment_score":0.4302999675273895},{"text":"And I can prefill those options on the forms as well.","start":1747.4651,"end":1751.165,"sentiment":"neutral","sentiment_score":0.3204122686927969},{"text":"I can also put Andrea's details on there if you like, unless you'd be comfortable just to write that in the boxes.","start":1751.2251,"end":1757.5,"sentiment":"neutral","sentiment_score":0.13696569204330444},{"text":"Cool.","start":1764.04,"end":1764.54,"sentiment":"neutral","sentiment_score":0.3026553988456726}],"sentiment":"neutral","sentiment_score":0.1977489996701479,"num_words":40,"start":1742.425,"end":1764.54},{"sentences":[{"text":"Yeah.","start":1764.76,"end":1765.0,"sentiment":"neutral","sentiment_score":0.1931198239326477},{"text":"Just because it is a legal document, I'll ask you some questions that have already half answered before.","start":1765.0,"end":1769.8201,"sentiment":"neutral","sentiment_score":0.19000765101777184},{"text":"Just for for Andrew's full name and maiden name as well.","start":1770.4551,"end":1774.395,"sentiment":"neutral","sentiment_score":0.1299922987818718},{"text":"Awesome.","start":1785.495,"end":1785.84,"sentiment":"neutral","sentiment_score":0.32663199305534363},{"text":"Awesome.","start":1786.0,"end":1786.32,"sentiment":"neutral","sentiment_score":0.27074742317199707}],"sentiment":"neutral","sentiment_score":0.17626725765876472,"num_words":32,"start":1764.76,"end":1786.32},{"sentences":[{"text":"And just to confirm all sorry, mate.","start":1786.32,"end":1790.08,"sentiment":"neutral","sentiment_score":-0.019428351361836706},{"text":"What was that?","start":1790.08,"end":1790.9,"sentiment":"neutral","sentiment_score":-0.03445194661617279},{"text":"So I need date of birth.","start":1795.2,"end":1797.86,"sentiment":"neutral","sentiment_score":-0.04634707296888033},{"text":"Oh, is it?","start":1802.3151,"end":1803.2151,"sentiment":"neutral","sentiment_score":-0.010405211088558039},{"text":"Sorry.","start":1813.44,"end":1813.94,"sentiment":"neutral","sentiment_score":-0.06129193305969238}],"sentiment":"neutral","sentiment_score":-0.03049721517600119,"num_words":20,"start":1786.32,"end":1813.94},{"sentences":[{"text":"12/1985.","start":1835.775,"end":1837.375,"sentiment":"neutral","sentiment_score":0.005889285355806351},{"text":"So fourth to the twelfth nineteen eighty five.","start":1837.375,"end":1839.42,"sentiment":"neutral","sentiment_score":0.010184636921621859},{"text":"Andrea is spelled a n d r e a.","start":1839.8201,"end":1842.14,"sentiment":"neutral","sentiment_score":0.016661358686784904},{"text":"Is that correct?","start":1842.14,"end":1842.9601,"sentiment":"neutral","sentiment_score":0.028242229173580807},{"text":"Beautiful.","start":1845.66,"end":1846.14,"sentiment":"positive","sentiment_score":0.5898547172546387}],"sentiment":"neutral","sentiment_score":0.04145000062205575,"num_words":22,"start":1835.775,"end":1846.14},{"sentences":[{"text":"And residing at the same address.","start":1846.14,"end":1848.0,"sentiment":"neutral","sentiment_score":0.2970542212327321},{"text":"Beautiful.","start":1850.86,"end":1851.3401,"sentiment":"positive","sentiment_score":0.5580999851226807},{"text":"Alright.","start":1851.3401,"end":1851.8401,"sentiment":"neutral","sentiment_score":0.27553078532218933},{"text":"I will get all that prefilled so she did cross everything, posted out with a return envelope.","start":1852.3,"end":1857.5249,"sentiment":"neutral","sentiment_score":0.16862890913205988},{"text":"Any trouble at all, there'll be a cover letter, but just give us a buzz in.","start":1858.1449,"end":1861.845,"sentiment":"neutral","sentiment_score":-0.10308048990555108}],"sentiment":"neutral","sentiment_score":0.09349657840481619,"num_words":41,"start":1846.14,"end":1861.845},{"sentences":[{"text":"It takes us about two minutes to look through the form.","start":1861.985,"end":1864.6449,"sentiment":"neutral","sentiment_score":0.0009531863033771518},{"text":"And, again, just make sure the two witnesses aren't beneficiary and that they sign on the same date.","start":1864.865,"end":1871.11,"sentiment":"neutral","sentiment_score":0.016867905027336545},{"text":"Oh, and one last thing.","start":1874.85,"end":1876.3099,"sentiment":"neutral","sentiment_score":-0.030579734966158865},{"text":"If you make a mistake, don't scribble down right next to it because it then invalidates the form.","start":1876.61,"end":1882.535,"sentiment":"neutral","sentiment_score":-0.16373594767517513},{"text":"Yep.","start":1886.5951,"end":1887.0951,"sentiment":"neutral","sentiment_score":0.1268509030342102}],"sentiment":"neutral","sentiment_score":-0.050173348870198684,"num_words":53,"start":1861.985,"end":1887.0951},{"sentences":[{"text":"Perfect.","start":1888.275,"end":1888.775,"sentiment":"positive","sentiment_score":0.3426123261451721},{"text":"Perfect.","start":1888.8351,"end":1889.3351,"sentiment":"neutral","sentiment_score":0.3066801428794861},{"text":"Alrighty.","start":1890.1951,"end":1890.6951,"sentiment":"neutral","sentiment_score":0.21253247559070587},{"text":"So that's all there.","start":1890.755,"end":1893.0951,"sentiment":"neutral","sentiment_score":0.15530233085155487},{"text":"You guys obviously establish the will and everything.","start":1893.235,"end":1895.96,"sentiment":"neutral","sentiment_score":0.12172721233218908}],"sentiment":"neutral","sentiment_score":0.16379013111193974,"num_words":15,"start":1888.275,"end":1895.96},{"sentences":[{"text":"Did you guys put in place power of attorney as well?","start":1895.96,"end":1899.2599,"sentiment":"neutral","sentiment_score":0.06766157055442984},{"text":"Beautiful.","start":1902.2799,"end":1902.7599,"sentiment":"neutral","sentiment_score":0.3166593313217163},{"text":"So I've got a will and power of attorney is in place.","start":1902.7599,"end":1905.98,"sentiment":"neutral","sentiment_score":0.21972286452849707},{"text":"Beneficiaries will be shortly.","start":1906.5199,"end":1908.1399,"sentiment":"neutral","sentiment_score":0.2281675972044468},{"text":"Easy done.","start":1909.5599,"end":1910.3799,"sentiment":"positive","sentiment_score":0.4997858554124832}],"sentiment":"neutral","sentiment_score":0.18699510271350542,"num_words":30,"start":1895.96,"end":1910.3799},{"sentences":[{"text":"Mate, that's pretty much it.","start":1911.375,"end":1912.9751,"sentiment":"neutral","sentiment_score":0.2569413661956787},{"text":"So everything else there, I do have to let you know that for the insurance policy, again, that application I'll book in with you in a sec if you've got your your calendar.","start":1912.9751,"end":1924.355,"sentiment":"neutral","sentiment_score":0.13260736587372693},{"text":"But for all of that fees and everything, I've included an updated service agreement there.","start":1925.13,"end":1930.51,"sentiment":"neutral","sentiment_score":0.11628170361121495},{"text":"Still the usual 1.65% for our services, but we have included a tiered fee structure now in the service guide, our financial service guide.","start":1931.13,"end":1941.5449,"sentiment":"neutral","sentiment_score":0.12206947803497314},{"text":"So when you get above 200,000, there is discounts that get applied and also further discounts when you go above 500,000.","start":1941.5449,"end":1949.565,"sentiment":"neutral","sentiment_score":0.13777699924650647}],"sentiment":"neutral","sentiment_score":0.1349791828162816,"num_words":98,"start":1911.375,"end":1949.565},{"sentences":[{"text":"I just wanna let you know that we've kind of tweaked the the structure a little bit, and that should apply to you in the next probably about twelve to eighteen months, I think, to get you up to that balance.","start":1949.625,"end":1961.79,"sentiment":"neutral","sentiment_score":0.1966945394510176},{"text":"Yeah.","start":1981.63,"end":1981.95,"sentiment":"neutral","sentiment_score":0.05319473147392273},{"text":"Okay.","start":1981.95,"end":1982.45,"sentiment":"neutral","sentiment_score":0.14136362075805664},{"text":"Totally fair.","start":1982.99,"end":1983.97,"sentiment":"positive","sentiment_score":0.386573851108551},{"text":"Now with the the insurance policies as well so anytime we put in place an insurance policy for any insurer, we do get paid the first 66% of the first year's premium as a commission for the establishment, and then 22% ongoing to help manage, like, claims assistance and claims advice as well, which I think for the New Zurich Zurich policy is about $98 per annum.","start":1984.99,"end":2011.76,"sentiment":"neutral","sentiment_score":0.13844396485321558}],"sentiment":"neutral","sentiment_score":0.16346364122416293,"num_words":112,"start":1949.625,"end":2011.76},{"sentences":[{"text":"Again, no fee from you.","start":2013.6599,"end":2014.94,"sentiment":"neutral","sentiment_score":0.16668839156627654},{"text":"It's from the insurer to advisers, and there's no difference between providers.","start":2014.94,"end":2020.0,"sentiment":"neutral","sentiment_score":0.11482833387951057},{"text":"Awesome.","start":2024.365,"end":2024.865,"sentiment":"positive","sentiment_score":0.5124635100364685},{"text":"So from here, if you're comfortable with all these strategies, there should be that that begin section that you were seeing before to design.","start":2025.405,"end":2033.825,"sentiment":"neutral","sentiment_score":0.20767944740752378},{"text":"And, basically, there's a signature and date stamp that goes on there, and there's also a bit of a box above the authority to proceed signature if you wanted to vary any recommendations as they are, just write NA into that box, please.","start":2034.4601,"end":2053.025,"sentiment":"neutral","sentiment_score":0.07313053448532902}],"sentiment":"neutral","sentiment_score":0.12767959053025527,"num_words":85,"start":2013.6599,"end":2053.025},{"sentences":[{"text":"So at the bottom of this document, sorry, second last page, but that button should also bring you there as well, the the begin button.","start":2058.045,"end":2065.1301,"sentiment":"neutral","sentiment_score":0.02389973483979702},{"text":"42.","start":2078.165,"end":2079.065,"sentiment":"neutral","sentiment_score":0.0013800817541778088},{"text":"Yeah.","start":2079.365,"end":2079.865,"sentiment":"neutral","sentiment_score":-0.010534053668379784},{"text":"There any other blue purple buttons that say next document or anything like that?","start":2115.65,"end":2120.115,"sentiment":"neutral","sentiment_score":-0.020498420111835003},{"text":"Oh, it might be that box.","start":2126.035,"end":2127.4949,"sentiment":"neutral","sentiment_score":-0.06616342378159364}],"sentiment":"neutral","sentiment_score":-0.0020344473441389014,"num_words":47,"start":2058.045,"end":2127.4949},{"sentences":[{"text":"Yeah.","start":2128.755,"end":2129.075,"sentiment":"neutral","sentiment_score":-0.03765375539660454},{"text":"The box above it.","start":2129.075,"end":2130.035,"sentiment":"neutral","sentiment_score":-0.04301766585558653},{"text":"So where it's got signature and date, if they are stamped in there now, if you just go up just a tiny bit above it, there's a white space underneath the two paragraphs.","start":2130.035,"end":2138.9,"sentiment":"neutral","sentiment_score":-0.03896368159489198},{"text":"And if you click on that and just type in NA, because we're not bearing the advice, that should actually cancel that last one for that document.","start":2139.2,"end":2149.3801,"sentiment":"neutral","sentiment_score":-0.14757299368028287},{"text":"Perfect.","start":2163.0051,"end":2163.5051,"sentiment":"neutral","sentiment_score":0.22442948818206787}],"sentiment":"neutral","sentiment_score":-0.07962980685812054,"num_words":66,"start":2128.755,"end":2163.5051},{"sentences":[{"text":"The rest of those there, we've got the appendix research, financial services guide, service agreement, and overview services guide.","start":2164.1199,"end":2171.9,"sentiment":"neutral","sentiment_score":0.02682088134124091},{"text":"Most of them would be skippable except for the ongoing consent with Netwealth.","start":2181.5752,"end":2187.5952,"sentiment":"neutral","sentiment_score":-0.058894139069777265},{"text":"That's the only other one that would require a signature.","start":2189.67,"end":2192.09,"sentiment":"neutral","sentiment_score":-0.0015622042119503021},{"text":"Oh, perfect.","start":2248.2202,"end":2248.9402,"sentiment":"positive","sentiment_score":0.3681811988353729},{"text":"It's one of those things where with the amount of extra documents there, there's a few 100 pages there.","start":2248.9402,"end":2254.845,"sentiment":"neutral","sentiment_score":0.044573114106529636}],"sentiment":"neutral","sentiment_score":0.02081908668494887,"num_words":63,"start":2164.1199,"end":2254.845},{"sentences":[{"text":"Sometimes it takes a moment, that spinning circle to go through.","start":2254.845,"end":2257.9048,"sentiment":"neutral","sentiment_score":0.01401866405186328},{"text":"Sorry.","start":2260.365,"end":2260.6848,"sentiment":"neutral","sentiment_score":-0.23788252472877505},{"text":"Some of the extra documents they get us to send are quite bulky.","start":2260.6848,"end":2263.825,"sentiment":"negative","sentiment_score":-0.40337557059067947},{"text":"Yeah.","start":2286.405,"end":2286.905,"sentiment":"neutral","sentiment_score":-0.06736632436513901},{"text":"Just while you're doing that too, so I'm just gonna quickly check the ID that we have on file.","start":2287.365,"end":2291.6099,"sentiment":"neutral","sentiment_score":-0.028839176422671267}],"sentiment":"neutral","sentiment_score":-0.13206378476073344,"num_words":45,"start":2254.845,"end":2291.6099},{"sentences":[{"text":"When we do any new application, I just need to make sure I can certify it and it hasn't expired.","start":2291.6099,"end":2296.8298,"sentiment":"neutral","sentiment_score":-0.017011067364364862},{"text":"So I'm just having a quick look at the ID that we last did.","start":2297.29,"end":2300.1099,"sentiment":"neutral","sentiment_score":-0.008507537788578443},{"text":"Yep.","start":2301.93,"end":2302.17,"sentiment":"neutral","sentiment_score":0.07204949855804443},{"text":"So it's valid until 2028.","start":2302.17,"end":2304.0898,"sentiment":"neutral","sentiment_score":0.06575278714299201},{"text":"So what I'll do oh, sorry.","start":2304.0898,"end":2305.7048,"sentiment":"neutral","sentiment_score":0.025111802387982607}],"sentiment":"neutral","sentiment_score":0.0020034211363805375,"num_words":46,"start":2291.6099,"end":2305.7048},{"sentences":[{"text":"Did I go through it then?","start":2305.7048,"end":2313.065,"sentiment":"neutral","sentiment_score":0.05837198253720999},{"text":"Yep.","start":2313.065,"end":2313.4648,"sentiment":"neutral","sentiment_score":0.20310154557228088},{"text":"Perfect.","start":2313.4648,"end":2313.865,"sentiment":"positive","sentiment_score":0.4773290157318115},{"text":"Thank you very much for that, David.","start":2313.865,"end":2315.145,"sentiment":"positive","sentiment_score":0.6580635820116315},{"text":"That's come through all the time.","start":2315.145,"end":2316.6848,"sentiment":"positive","sentiment_score":0.5097884933153788}],"sentiment":"positive","sentiment_score":0.4140875471667165,"num_words":21,"start":2305.7048,"end":2316.6848},{"sentences":[{"text":"It should give you a bit of an option to receive a a signed copy in your email.","start":2316.905,"end":2320.765,"sentiment":"positive","sentiment_score":0.37444579270150924},{"text":"Oh, no.","start":2334.665,"end":2334.9849,"sentiment":"neutral","sentiment_score":0.03383023478090763},{"text":"Just ignore that one.","start":2334.9849,"end":2335.865,"sentiment":"neutral","sentiment_score":0.005182009655982256},{"text":"You don't have to sign up for anything there.","start":2335.865,"end":2337.7249,"sentiment":"neutral","sentiment_score":0.028457406494352553},{"text":"It's all linked through our CRM system.","start":2338.345,"end":2340.445,"sentiment":"neutral","sentiment_score":0.17368267902306148}],"sentiment":"neutral","sentiment_score":0.20750770471058785,"num_words":40,"start":2316.905,"end":2340.445},{"sentences":[{"text":"Alright.","start":2345.785,"end":2346.265,"sentiment":"neutral","sentiment_score":0.1692551076412201},{"text":"So what we would like to do is I'm just gonna get you booked in for the trauma application itself.","start":2346.265,"end":2354.25,"sentiment":"neutral","sentiment_score":0.1653326027095318},{"text":"Now bear in mind, I'll send you through a quote.","start":2354.55,"end":2357.61,"sentiment":"neutral","sentiment_score":0.14500864893198012},{"text":"The quotes have, like, a thirty day expiry on it, so I just wanted to make sure that, a, that you wanted to go ahead with it first before I send it through in case you do sign it and it expires two days later.","start":2358.15,"end":2369.305,"sentiment":"neutral","sentiment_score":0.12631894904706215},{"text":"And do you have any idea when would be a good time to go through that kind of fifteen, twenty minutes personal statement.","start":2369.605,"end":2379.081,"sentiment":"neutral","sentiment_score":0.0353442112226849}],"sentiment":"neutral","sentiment_score":0.1153864971352647,"num_words":99,"start":2345.785,"end":2379.081},{"sentences":[{"text":"Yeah.","start":2389.3298,"end":2389.5698,"sentiment":"neutral","sentiment_score":0.31501609086990356},{"text":"Perfect.","start":2389.5698,"end":2389.89,"sentiment":"positive","sentiment_score":0.6266329288482666},{"text":"So what I can do if it's easier is I'll send through the the quote today and tomorrow.","start":2389.89,"end":2395.405,"sentiment":"neutral","sentiment_score":0.32683515383137596},{"text":"And then from Monday onwards, I'll just get the team to try and touch base with you in the evening and see if they can catch you one of those days to get that submitted.","start":2395.705,"end":2406.1902,"sentiment":"neutral","sentiment_score":0.24620086678436826},{"text":"Perfect.","start":2410.6501,"end":2411.1501,"sentiment":"positive","sentiment_score":0.6035916805267334}],"sentiment":"neutral","sentiment_score":0.28652328226183144,"num_words":56,"start":2389.3298,"end":2411.1501},{"sentences":[{"text":"So what they'll do is, just a heads up, usual insurance applications, they'll talk about health, occupation, details, and things like that.","start":2411.4502,"end":2420.955,"sentiment":"neutral","sentiment_score":0.12074430727145889},{"text":"Has there been any health changes for yourself the last twelve months or so?","start":2421.2751,"end":2425.0552,"sentiment":"neutral","sentiment_score":0.028008279922817434},{"text":"Perfect.","start":2428.0752,"end":2428.5752,"sentiment":"neutral","sentiment_score":0.2744370996952057},{"text":"Cool.","start":2429.0352,"end":2429.5352,"sentiment":"neutral","sentiment_score":0.24620257318019867},{"text":"If anything pops up, they'll pop it back to me.","start":2430.395,"end":2432.5552,"sentiment":"neutral","sentiment_score":0.20288545042276382}],"sentiment":"neutral","sentiment_score":0.11662468449988712,"num_words":48,"start":2411.4502,"end":2432.5552},{"sentences":[{"text":"But, again, just keep an eye out for that quote.","start":2432.5552,"end":2434.8,"sentiment":"neutral","sentiment_score":0.1588557854294777},{"text":"We'll post you out those beneficiary form, and then someone will be in touch next week to go through that application.","start":2435.28,"end":2440.98,"sentiment":"neutral","sentiment_score":0.19301200338772365},{"text":"Amazing.","start":2444.8801,"end":2445.3801,"sentiment":"positive","sentiment_score":0.5785796642303467},{"text":"And last thing, just because it is direct debit, you'll get to put in what details or accounts or cards you would like that to come out of, but they don't debit anything until the policy is actually accepted and enforced.","start":2445.68,"end":2459.605,"sentiment":"neutral","sentiment_score":0.15388645322584524},{"text":"Perfect.","start":2464.305,"end":2464.805,"sentiment":"positive","sentiment_score":0.47660553455352783}],"sentiment":"neutral","sentiment_score":0.17576134738487167,"num_words":74,"start":2432.5552,"end":2464.805},{"sentences":[{"text":"Now that is quite a bit for forty minutes of an evening.","start":2465.51,"end":2468.73,"sentiment":"neutral","sentiment_score":0.15911659163733324},{"text":"No.","start":2476.55,"end":2476.79,"sentiment":"neutral","sentiment_score":-0.22913622856140137},{"text":"I wish.","start":2476.79,"end":2477.445,"sentiment":"neutral","sentiment_score":-0.22055630385875702},{"text":"No.","start":2479.2852,"end":2479.605,"sentiment":"neutral","sentiment_score":-0.1937953978776932},{"text":"The trauma insurance is not tax deductible.","start":2479.605,"end":2482.105,"sentiment":"neutral","sentiment_score":-0.2117678757224764}],"sentiment":"neutral","sentiment_score":-0.019000881068084553,"num_words":23,"start":2465.51,"end":2482.105},{"sentences":[{"text":"I wish it would be.","start":2486.165,"end":2487.385,"sentiment":"neutral","sentiment_score":-0.10009137094020844},{"text":"Sorry.","start":2488.965,"end":2489.365,"sentiment":"neutral","sentiment_score":-0.12013939023017885},{"text":"It is I'll get the exact here for you.","start":2489.365,"end":2493.59,"sentiment":"neutral","sentiment_score":-0.04520405663384332},{"text":"Forty $1.89 per month.","start":2495.33,"end":2498.63,"sentiment":"neutral","sentiment_score":-0.02549062971957028},{"text":"Is that alright?","start":2503.09,"end":2503.875,"sentiment":"neutral","sentiment_score":0.026357213656107586}],"sentiment":"neutral","sentiment_score":-0.047741983297534964,"num_words":22,"start":2486.165,"end":2503.875},{"sentences":[{"text":"Awesome.","start":2507.795,"end":2508.295,"sentiment":"neutral","sentiment_score":0.006173909641802311},{"text":"Now I do apologize we have to go through quite a few different areas tonight, but do you have any other questions for me at this time?","start":2508.995,"end":2514.855,"sentiment":"neutral","sentiment_score":-0.02382343310724806},{"text":"Oh, yeah.","start":2521.29,"end":2523.1301,"sentiment":"neutral","sentiment_score":0.3084065616130829},{"text":"Easy done.","start":2523.1301,"end":2523.77,"sentiment":"positive","sentiment_score":0.5490666031837463},{"text":"I'll get someone to post those out on Monday, I think, is our next postage run.","start":2523.77,"end":2529.9502,"sentiment":"neutral","sentiment_score":0.22083473857492208}],"sentiment":"neutral","sentiment_score":0.09606757005288576,"num_words":48,"start":2507.795,"end":2529.9502},{"sentences":[{"text":"Give us a buzz if there's any issues.","start":2530.57,"end":2532.345,"sentiment":"neutral","sentiment_score":0.262364961206913},{"text":"The person who will likely be giving you a call next week on the evenings will be Jack.","start":2533.545,"end":2538.345,"sentiment":"neutral","sentiment_score":0.22396005193392435},{"text":"He's very good with insurance applications, very fast, doesn't like to waste your time, especially as an evening.","start":2538.345,"end":2543.965,"sentiment":"positive","sentiment_score":0.4170875623822212},{"text":"But if you do have any questions, he can pop you on to me as well.","start":2544.025,"end":2546.88,"sentiment":"neutral","sentiment_score":0.267001555301249},{"text":"Awesome, Dave.","start":2550.64,"end":2551.2798,"sentiment":"positive","sentiment_score":0.8537009060382843}],"sentiment":"neutral","sentiment_score":0.31640650716520125,"num_words":62,"start":2530.57,"end":2551.2798},{"sentences":[{"text":"Have a fantastic weekend.","start":2551.2798,"end":2552.8198,"sentiment":"positive","sentiment_score":0.8606899976730347},{"text":"All the best to you and the family, and, hopefully, I'll talk to you again soon.","start":2553.3599,"end":2557.335,"sentiment":"positive","sentiment_score":0.7369161173701286},{"text":"No worries at all.","start":2561.4949,"end":2562.375,"sentiment":"positive","sentiment_score":0.41485340148210526},{"text":"See you later.","start":2562.375,"end":2563.115,"sentiment":"positive","sentiment_score":0.39715420206387836}],"sentiment":"positive","sentiment_score":0.6697886696568242,"num_words":27,"start":2551.2798,"end":2563.115}]}}]},{"alternatives":[{"transcript":"Hello? Good, miss. Yourself? Yeah. Yeah. Sure do. Yeah. Yeah. Yeah. All good, Tom. Yeah. It's the first and ninth nineteen eighty. 3013 Park Grove Avenue in Camira. That's all good. All good. I've been there. I I have three girls, so I know all about it. Yeah. Yeah. No. Statement. I have it here. Yeah. Sign. Where's sign? Click to start. Oh, yep. Yep. Click to start. Me I'm just signing it here now. And jeez. I got no addresses. It's third. I don't know about you. I say Thomas is very hard to see this white writing Let's see. 03. Sorry. I'm talking to myself here. 09. Oh, you don't want me to sign it? Oh, right. Sorry. So what are you looking for? Yeah. So I'll go back to the top again. Yeah. I got a picture of the Gold Coast here. Yeah. Yep. Yeah. Yeah. Yeah. I remember that. Yeah. Oh, yeah. We got there eventually. It was a struggle, but we we just all this few niggly bits and pieces to do. But, look, with a house, there's always something to do. You finish one project and you gotta start another. But the main windows are done. The bathroom and the kitchens and things like that are done. So we we just put everything on hold for the moment. Not really with no. Not the citizenship is a big one. This year, Andrea's been pretty sick this year. She was diagnosed with cancer and things. So it's just a case of fucking oh, it's it's been a fucking yeah. It's been a rough one. So yeah. Because it it's pretty she's got a pretty bad case of this. And the last round of of chemo, because it's such a severe dose she was getting, ended up giving her access. And she's only 40 years of age. Oh, yeah. I don't know if we're we're we're we're kind of in the recovery stage, but no chemo's done. Just waiting on dates for surgery, but because of the heart complications, they just keep changing dates and things like that. So, look, we're just going with this. Oh. Oh, absolutely. Absolutely. Seven. Oh, yeah. So, yeah, it'd be a bit more I did what to do this year? One 01/01/1990. So yeah. That would no. That was all up. Yeah. So we just did our tax return there last last week, actually. Yeah. Well, yeah, the mortgage is yeah. The value is I always be up a bit, but yeah. Because I gotta get hang on, Tom. I gotta get my glasses because well, you say it's getting it's getting worse. I had my son. He's on with her prescription, but now that it's getting dull, it's just not doing That is. Alright. That's a bit better. So what are we looking at, Tom? Main residence. What was that's 9 was that $9.50? Yeah. Well, we're we're hoping the next few weeks now that we have renovations and things finished that we can get someone else to get a proper value. So we reckon just going off real estate, they say 1.1 to 1.2 at the at the current value. But that's not even with the renos. That's the old the old house. That's on real estate, that's what it's showing. What she said it was there? No. It it'll be down I think she said $4,454.50. So we because we took 70 out for for well, that was two years ago, so we would've been paying that off. We took 70 out for for the. So but we yeah. So we're yeah. Because we did wheels and things that we made up wheels there the other day and things like that. And I think she said $4.40 or $4.50 was was the remaining. So, basically, she she she does the mortgage, and I I do the other bills, and that's the way I I yeah. She covers that that side of it. Yep. Yep. That's on 13. Yep. Yep. Yep. Yep. Which one is that, Moe? On page 18 or not the last one? Alright. Yeah. Yeah. Yeah. I got it again. Yeah. Yeah. Real. Yeah. Yeah. Which one? Sorry? Oh, yeah. Sorry. Yeah. Yeah. Yes. Mhmm. Yep. Yeah. Yeah. I would I have it at $1.90 at the moment, but I I rather do maximum because, like, they take it before tax. I really don't notice the difference in in in the pay if it you know? So I rather do the maximum. If I if I can do 300 a week, I'd rather do that. Once I don't go over that, then oh, I don't know. There's a lot of there's a lot of things going on at work at the moment, so I don't I don't know. They're they've they've merged with another company, and and it's not as successful as what the merge was supposed to be. So there's a lot of issues going on. So I I don't know. I'm I'm I'm thinking what I want I wanna get this year over the way, and I was thinking maybe looking something different next year if it doesn't change. But at the moment, yeah, there's a lot of another company bought them three three years ago, and it's it's just not as good as what it used to be. Yeah. So we'll see. We we just put this over there. No. I don't think so. I know we had one, but I think she's always Yeah. We can leave it at that thing until it's not. I don't want yeah. I I don't want to go over, but, like, I I'd like to try and get as much back with the salary sacrifice and all. The less you give the tax, man, the better. But you you can only do that one offer. Can you do that every year? Yeah. Alright. So yeah. We yeah. Well, I might do that before my tax return next year. Just so I've already done my tax return just last week. So but maybe next year, I I could whatever extra is left, just just put in that three or four thousand or whatever it is. So, basically, before the end of the financial year, just contact you guys and and just put in whatever needs to be put in? Yeah. Yeah. Yeah. Yeah. Life and trauma insurance. Yep. Yes. Yep. But this in so this is only for trauma and license trauma. Is it? Yeah. Mhmm. Yeah. Yeah. Yeah. No. That's fine. Yeah. Yeah. That's that's something we yeah. That's something we were we were speaking about during making the wheel a few weeks back. I didn't I wasn't sure whether I had it done or not. So I knew your call was today. I wanted to discuss that. But so, yeah, basically, everything everything in my super and everything there will be assigned to Andrea. With the policy, do I still have to get a witness? So that'd be like a JP or someone like that? Oh, right now. Okay. Yep. Posted, I guess, would be good. Because I I know she was screaming at the the printer the other day, Which is nothing new. Yeah. That'd be good. Yeah. Yeah. Yeah. If you want to put entry details, yeah, while you're doing it. Yeah. Yep. So it's Andrea Dinnehy. Or sorry. Her maiden name is Andrea Mason. Oh, what else did you say you're looking for? I'm sorry. What what else were you looking for, you said? Sorry. It is good question. Yeah. Hang on. She's sitting on the front here. I think that's it. I think she'll shoot me. Alright. Alright. Can I get your date of birth? Your date of birth. Your date of birth. Your birth. Fourth fourth of the twelfth nineteen eighty five. Yeah. Correct. Yeah. Correct. Yeah. Not a problem. Right. I'll I ring you back if I make a mistake. Yeah. Oh, yeah. Well, I should've yeah. We have we had a a new EBA. No. It hasn't gone through yet, but they're gonna have to back pay us, whatever, eighteen months from July last year. So it should've been over the 200 this year, but because of that EBA not being agreed to, it it was just shy. Mhmm. Yeah. Not yet. No worries. Where is that box? Yes. Next. Page page 41, Tamza or forty forty two. So I have a signature, but it won't I can't see where next is written or same at all. Yeah. It's just bringing me it's just bringing me to that yeah. Next document. So do I have to sign another one here? Alright. Understood. Alright. It's loading here at the moment, Tom. So alright. That's it. Yeah. That's good. That's you you should have that note. So I signed up. So do I sign up for free or do we just what do I do with that? Buy. Sweet. Yep. With me, look, it it's taking miss Tom just, like like, today. Take a time late in the afternoon, and hopefully, I can I can make it? Yeah. That sounds good. No. Yep. Not a problem. Yeah. Not a problem. Could you Just on that, Tom, can you claim that back in on your your tax return? That forty, whatever it is, a week. So do I right. So So how much how much is it? What we can how much is it again, sorry? 42, isn't it? Come on. Yeah. No. That's fine. Yeah. No. That's perfect. No. Not for you. No, Tom. That's good for me. Just in beneficiaries and things, I did I did wanna get across the board. Yeah. That's fine. Yeah. Not a problem. Thank you, Tom. Appreciate that. See you, mate. Bye bye. 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Good, miss. Yourself? Yeah. Yeah.\n\nSure do. Yeah. Yeah. Yeah. All good, Tom.\n\nYeah. It's the first and ninth nineteen eighty. 3013 Park Grove Avenue in Camira. That's all good. All good.\n\nI've been there. I I have three girls, so I know all about it. Yeah. Yeah. No.\n\nStatement. I have it here. Yeah. Sign. Where's sign?\n\nClick to start. Oh, yep. Yep. Click to start. Me I'm just signing it here now.\n\nAnd jeez. I got no addresses. It's third. I don't know about you. I say Thomas is very hard to see this white writing Let's see.\n\n03. Sorry. I'm talking to myself here. 09. Oh, you don't want me to sign it?\n\nOh, right. Sorry. So what are you looking for? Yeah. So I'll go back to the top again.\n\nYeah. I got a picture of the Gold Coast here. Yeah. Yep. Yeah.\n\nYeah. Yeah. I remember that. Yeah. Oh, yeah.\n\nWe got there eventually. It was a struggle, but we we just all this few niggly bits and pieces to do. But, look, with a house, there's always something to do. You finish one project and you gotta start another. But the main windows are done.\n\nThe bathroom and the kitchens and things like that are done. So we we just put everything on hold for the moment. Not really with no. Not the citizenship is a big one. This year, Andrea's been pretty sick this year.\n\nShe was diagnosed with cancer and things. So it's just a case of fucking oh, it's it's been a fucking yeah. It's been a rough one. So yeah. Because it it's pretty she's got a pretty bad case of this.\n\nAnd the last round of of chemo, because it's such a severe dose she was getting, ended up giving her access. And she's only 40 years of age. Oh, yeah. I don't know if we're we're we're we're kind of in the recovery stage, but no chemo's done. Just waiting on dates for surgery, but because of the heart complications, they just keep changing dates and things like that.\n\nSo, look, we're just going with this. Oh. Oh, absolutely. Absolutely. Seven.\n\nOh, yeah. So, yeah, it'd be a bit more I did what to do this year? One 01/01/1990. So yeah. That would no.\n\nThat was all up. Yeah. So we just did our tax return there last last week, actually. Yeah. Well, yeah, the mortgage is yeah.\n\nThe value is I always be up a bit, but yeah. Because I gotta get hang on, Tom. I gotta get my glasses because well, you say it's getting it's getting worse. I had my son. He's on with her prescription, but now that it's getting dull, it's just not doing That is.\n\nAlright. That's a bit better. So what are we looking at, Tom? Main residence. What was that's 9 was that $9.50?\n\nYeah. Well, we're we're hoping the next few weeks now that we have renovations and things finished that we can get someone else to get a proper value. So we reckon just going off real estate, they say 1.1 to 1.2 at the at the current value. But that's not even with the renos. That's the old the old house.\n\nThat's on real estate, that's what it's showing. What she said it was there? No. It it'll be down I think she said $4,454.50. So we because we took 70 out for for well, that was two years ago, so we would've been paying that off.\n\nWe took 70 out for for the. So but we yeah. So we're yeah. Because we did wheels and things that we made up wheels there the other day and things like that. And I think she said $4.40 or $4.50 was was the remaining.\n\nSo, basically, she she she does the mortgage, and I I do the other bills, and that's the way I I yeah. She covers that that side of it. Yep. Yep. That's on 13.\n\nYep. Yep. Yep. Yep. Which one is that, Moe?\n\nOn page 18 or not the last one? Alright. Yeah. Yeah. Yeah.\n\nI got it again. Yeah. Yeah. Real. Yeah.\n\nYeah. Which one? Sorry? Oh, yeah. Sorry.\n\nYeah. Yeah. Yes. Mhmm. Yep.\n\nYeah. Yeah. I would I have it at $1.90 at the moment, but I I rather do maximum because, like, they take it before tax. I really don't notice the difference in in in the pay if it you know? So I rather do the maximum.\n\nIf I if I can do 300 a week, I'd rather do that. Once I don't go over that, then oh, I don't know. There's a lot of there's a lot of things going on at work at the moment, so I don't I don't know. They're they've they've merged with another company, and and it's not as successful as what the merge was supposed to be. So there's a lot of issues going on.\n\nSo I I don't know. I'm I'm I'm thinking what I want I wanna get this year over the way, and I was thinking maybe looking something different next year if it doesn't change. But at the moment, yeah, there's a lot of another company bought them three three years ago, and it's it's just not as good as what it used to be. Yeah. So we'll see.\n\nWe we just put this over there. No. I don't think so. I know we had one, but I think she's always Yeah. We can leave it at that thing until it's not.\n\nI don't want yeah. I I don't want to go over, but, like, I I'd like to try and get as much back with the salary sacrifice and all. The less you give the tax, man, the better. But you you can only do that one offer. Can you do that every year?\n\nYeah. Alright. So yeah. We yeah. Well, I might do that before my tax return next year.\n\nJust so I've already done my tax return just last week. So but maybe next year, I I could whatever extra is left, just just put in that three or four thousand or whatever it is. So, basically, before the end of the financial year, just contact you guys and and just put in whatever needs to be put in? Yeah. Yeah.\n\nYeah. Yeah. Life and trauma insurance. Yep. Yes.\n\nYep. But this in so this is only for trauma and license trauma. Is it? Yeah. Mhmm.\n\nYeah. Yeah. Yeah. No. That's fine.\n\nYeah. Yeah. That's that's something we yeah. That's something we were we were speaking about during making the wheel a few weeks back. I didn't I wasn't sure whether I had it done or not.\n\nSo I knew your call was today. I wanted to discuss that. But so, yeah, basically, everything everything in my super and everything there will be assigned to Andrea. With the policy, do I still have to get a witness? So that'd be like a JP or someone like that?\n\nOh, right now. Okay. Yep. Posted, I guess, would be good. Because I I know she was screaming at the the printer the other day, Which is nothing new.\n\nYeah. That'd be good. Yeah. Yeah. Yeah.\n\nIf you want to put entry details, yeah, while you're doing it. Yeah. Yep. So it's Andrea Dinnehy. Or sorry.\n\nHer maiden name is Andrea Mason. Oh, what else did you say you're looking for? I'm sorry. What what else were you looking for, you said? Sorry.\n\nIt is good question. Yeah. Hang on. She's sitting on the front here. I think that's it.\n\nI think she'll shoot me. Alright. Alright. Can I get your date of birth? Your date of birth.\n\nYour date of birth. Your birth. Fourth fourth of the twelfth nineteen eighty five. Yeah. Correct.\n\nYeah. Correct. Yeah. Not a problem. Right.\n\nI'll I ring you back if I make a mistake. Yeah. Oh, yeah. Well, I should've yeah. We have we had a a new EBA.\n\nNo. It hasn't gone through yet, but they're gonna have to back pay us, whatever, eighteen months from July last year. So it should've been over the 200 this year, but because of that EBA not being agreed to, it it was just shy. Mhmm. Yeah.\n\nNot yet. No worries. Where is that box? Yes. Next.\n\nPage page 41, Tamza or forty forty two. So I have a signature, but it won't I can't see where next is written or same at all. Yeah. It's just bringing me it's just bringing me to that yeah. Next document.\n\nSo do I have to sign another one here? Alright. Understood. Alright. It's loading here at the moment, Tom.\n\nSo alright. That's it. Yeah. That's good. That's you you should have that note.\n\nSo I signed up. So do I sign up for free or do we just what do I do with that? Buy. Sweet. Yep.\n\nWith me, look, it it's taking miss Tom just, like like, today. Take a time late in the afternoon, and hopefully, I can I can make it? Yeah. That sounds good. No.\n\nYep. Not a problem. Yeah. Not a problem. Could you Just on that, Tom, can you claim that back in on your your tax return?\n\nThat forty, whatever it is, a week. So do I right. So So how much how much is it? What we can how much is it again, sorry? 42, isn't it?\n\nCome on. Yeah. No. That's fine. Yeah.\n\nNo. That's perfect. No. Not for you. No, Tom.\n\nThat's good for me. Just in beneficiaries and things, I did I did wanna get across the board. Yeah. That's fine. Yeah.\n\nNot a problem. Thank you, Tom. Appreciate that. See you, mate. Bye bye.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.64,"end":1.14,"sentiment":"neutral","sentiment_score":0.03013632819056511},{"text":"Good, miss.","start":7.12,"end":7.68,"sentiment":"positive","sentiment_score":0.46016398072242737},{"text":"Yourself?","start":7.68,"end":8.18,"sentiment":"positive","sentiment_score":0.3983597159385681},{"text":"Yeah.","start":19.335,"end":19.575,"sentiment":"neutral","sentiment_score":0.08867336809635162},{"text":"Yeah.","start":19.575,"end":19.815,"sentiment":"neutral","sentiment_score":0.10442909598350524}],"sentiment":"neutral","sentiment_score":0.25698774494230747,"num_words":6,"start":0.64,"end":19.815},{"sentences":[{"text":"Sure do.","start":19.815,"end":20.635,"sentiment":"neutral","sentiment_score":0.18188534677028656},{"text":"Yeah.","start":25.095001,"end":25.595001,"sentiment":"neutral","sentiment_score":0.06392896175384521},{"text":"Yeah.","start":38.05,"end":38.129997,"sentiment":"neutral","sentiment_score":0.06043487787246704},{"text":"Yeah.","start":38.129997,"end":38.629997,"sentiment":"neutral","sentiment_score":0.0915401726961136},{"text":"All good, Tom.","start":38.69,"end":39.25,"sentiment":"neutral","sentiment_score":0.28273893396059674}],"sentiment":"neutral","sentiment_score":0.17848643846809864,"num_words":8,"start":19.815,"end":39.25},{"sentences":[{"text":"Yeah.","start":39.25,"end":39.75,"sentiment":"neutral","sentiment_score":0.23728130757808685},{"text":"It's the first and ninth nineteen eighty.","start":50.535,"end":53.195,"sentiment":"neutral","sentiment_score":0.02464743996305125},{"text":"3013 Park Grove Avenue in Camira.","start":55.86,"end":59.08,"sentiment":"neutral","sentiment_score":0.06307392008602619},{"text":"That's all good.","start":73.165,"end":74.205,"sentiment":"neutral","sentiment_score":0.17949615170558295},{"text":"All good.","start":74.205,"end":74.945,"sentiment":"neutral","sentiment_score":0.21316227316856384}],"sentiment":"neutral","sentiment_score":0.09226683733102523,"num_words":19,"start":39.25,"end":74.945},{"sentences":[{"text":"I've been there.","start":84.045006,"end":84.925,"sentiment":"positive","sentiment_score":0.4336024324099223},{"text":"I I have three girls, so I know all about it.","start":84.925,"end":92.46,"sentiment":"neutral","sentiment_score":0.14934179864146493},{"text":"Yeah.","start":109.715004,"end":110.215004,"sentiment":"neutral","sentiment_score":0.025767263025045395},{"text":"Yeah.","start":121.25,"end":121.73,"sentiment":"neutral","sentiment_score":-0.053725067526102066},{"text":"No.","start":121.73,"end":122.23,"sentiment":"neutral","sentiment_score":-0.08133995532989502}],"sentiment":"neutral","sentiment_score":0.16672172485028997,"num_words":17,"start":84.045006,"end":122.23},{"sentences":[{"text":"Statement.","start":122.29,"end":122.79,"sentiment":"neutral","sentiment_score":-0.05544325336813927},{"text":"I have it here.","start":123.41,"end":124.05,"sentiment":"neutral","sentiment_score":0.033575034234672785},{"text":"Yeah.","start":124.05,"end":124.305,"sentiment":"neutral","sentiment_score":0.26283061504364014},{"text":"Sign.","start":137.025,"end":137.505,"sentiment":"neutral","sentiment_score":0.03265736252069473},{"text":"Where's sign?","start":137.505,"end":138.27,"sentiment":"neutral","sentiment_score":0.018911105580627918}],"sentiment":"neutral","sentiment_score":0.045796341366238065,"num_words":9,"start":122.29,"end":138.27},{"sentences":[{"text":"Click to start.","start":140.91,"end":141.89,"sentiment":"neutral","sentiment_score":0.011034820849696795},{"text":"Oh, yep.","start":142.35,"end":142.75,"sentiment":"neutral","sentiment_score":0.025311432778835297},{"text":"Yep.","start":142.75,"end":143.15001,"sentiment":"neutral","sentiment_score":0.042361922562122345},{"text":"Click to start.","start":143.15001,"end":144.13,"sentiment":"neutral","sentiment_score":0.0129170889655749},{"text":"Me I'm just signing it here now.","start":156.285,"end":158.225,"sentiment":"neutral","sentiment_score":-0.00018979130046708242}],"sentiment":"neutral","sentiment_score":0.010219498653896153,"num_words":16,"start":140.91,"end":158.225},{"sentences":[{"text":"And jeez.","start":158.765,"end":159.325,"sentiment":"neutral","sentiment_score":-0.06528027355670929},{"text":"I got no addresses.","start":159.325,"end":160.225,"sentiment":"neutral","sentiment_score":-0.12416387163102627},{"text":"It's third.","start":170.38,"end":171.28,"sentiment":"neutral","sentiment_score":-0.08512631803750992},{"text":"I don't know about you.","start":178.06,"end":178.78,"sentiment":"neutral","sentiment_score":-0.12033850848674774},{"text":"I say Thomas is very hard to see this white writing Let's see.","start":178.78,"end":182.935,"sentiment":"neutral","sentiment_score":-0.12243470922112465}],"sentiment":"neutral","sentiment_score":-0.11503124738541934,"num_words":26,"start":158.765,"end":182.935},{"sentences":[{"text":"03.","start":183.555,"end":184.295,"sentiment":"neutral","sentiment_score":-0.027126124128699303},{"text":"Sorry.","start":184.75499,"end":184.995,"sentiment":"neutral","sentiment_score":-0.07600164413452148},{"text":"I'm talking to myself here.","start":184.995,"end":186.295,"sentiment":"neutral","sentiment_score":-0.07171241790056229},{"text":"09.","start":186.435,"end":187.25499,"sentiment":"neutral","sentiment_score":-0.020331231877207756},{"text":"Oh, you don't want me to sign it?","start":200.22,"end":201.68001,"sentiment":"neutral","sentiment_score":-0.12797799054533243}],"sentiment":"neutral","sentiment_score":-0.09411531337536871,"num_words":16,"start":183.555,"end":201.68001},{"sentences":[{"text":"Oh, right.","start":206.22,"end":206.78,"sentiment":"neutral","sentiment_score":-0.019884098321199417},{"text":"Sorry.","start":206.78,"end":207.28,"sentiment":"neutral","sentiment_score":-0.05865529179573059},{"text":"So what are you looking for?","start":211.335,"end":212.955,"sentiment":"neutral","sentiment_score":-0.01098638524611791},{"text":"Yeah.","start":214.135,"end":214.635,"sentiment":"neutral","sentiment_score":0.0028487746603786945},{"text":"So I'll go back to the top again.","start":214.855,"end":216.295,"sentiment":"neutral","sentiment_score":0.0054125741007737815}],"sentiment":"neutral","sentiment_score":-0.006566246247125996,"num_words":18,"start":206.22,"end":216.295},{"sentences":[{"text":"Yeah.","start":216.295,"end":216.535,"sentiment":"neutral","sentiment_score":0.03498125448822975},{"text":"I got a picture of the Gold Coast here.","start":216.535,"end":217.975,"sentiment":"neutral","sentiment_score":0.0900724550916089},{"text":"Yeah.","start":217.975,"end":218.475,"sentiment":"neutral","sentiment_score":0.29172804951667786},{"text":"Yep.","start":228.72,"end":229.22,"sentiment":"neutral","sentiment_score":0.1978369653224945},{"text":"Yeah.","start":260.75,"end":261.07,"sentiment":"neutral","sentiment_score":0.041864052414894104}],"sentiment":"neutral","sentiment_score":0.1059278782743674,"num_words":13,"start":216.295,"end":261.07},{"sentences":[{"text":"Yeah.","start":261.07,"end":261.23,"sentiment":"neutral","sentiment_score":0.0400518886744976},{"text":"Yeah.","start":261.23,"end":261.47,"sentiment":"neutral","sentiment_score":0.026245316490530968},{"text":"I remember that.","start":261.47,"end":262.11002,"sentiment":"neutral","sentiment_score":0.05747798333565394},{"text":"Yeah.","start":262.11002,"end":262.61002,"sentiment":"positive","sentiment_score":0.34335774183273315},{"text":"Oh, yeah.","start":281.18,"end":282.06,"sentiment":"neutral","sentiment_score":0.01390130165964365}],"sentiment":"neutral","sentiment_score":0.07623643754050136,"num_words":8,"start":261.07,"end":282.06},{"sentences":[{"text":"We got there eventually.","start":282.06,"end":283.18,"sentiment":"neutral","sentiment_score":0.05265977792441845},{"text":"It was a struggle, but we we just all this few niggly bits and pieces to do.","start":283.18,"end":287.18,"sentiment":"neutral","sentiment_score":-0.11108794413945254},{"text":"But, look, with a house, there's always something to do.","start":287.18,"end":289.935,"sentiment":"neutral","sentiment_score":0.0013604403939098124},{"text":"You finish one project and you gotta start another.","start":290.175,"end":292.495,"sentiment":"neutral","sentiment_score":0.036925382912158966},{"text":"But the main windows are done.","start":292.495,"end":294.335,"sentiment":"neutral","sentiment_score":0.07678036329646905}],"sentiment":"neutral","sentiment_score":-0.01894001975534079,"num_words":46,"start":282.06,"end":294.335},{"sentences":[{"text":"The bathroom and the kitchens and things like that are done.","start":294.335,"end":296.755,"sentiment":"neutral","sentiment_score":0.07171677645634521},{"text":"So we we just put everything on hold for the moment.","start":297.935,"end":300.51498,"sentiment":"neutral","sentiment_score":-0.009528213942592794},{"text":"Not really with no.","start":318.49503,"end":320.015,"sentiment":"neutral","sentiment_score":-0.15132075920701027},{"text":"Not the citizenship is a big one.","start":320.015,"end":322.11502,"sentiment":"neutral","sentiment_score":-0.25222099891730715},{"text":"This year, Andrea's been pretty sick this year.","start":322.815,"end":325.21503,"sentiment":"negative","sentiment_score":-0.4746037721633911}],"sentiment":"neutral","sentiment_score":-0.13374600046109864,"num_words":41,"start":294.335,"end":325.21503},{"sentences":[{"text":"She was diagnosed with cancer and things.","start":325.21503,"end":327.155,"sentiment":"negative","sentiment_score":-0.41178262659481596},{"text":"So it's just a case of fucking oh, it's it's been a fucking yeah.","start":327.45502,"end":331.64,"sentiment":"negative","sentiment_score":-0.4548425791519029},{"text":"It's been a rough one.","start":331.64,"end":332.86002,"sentiment":"negative","sentiment_score":-0.526796817779541},{"text":"So yeah.","start":335.0,"end":336.6,"sentiment":"neutral","sentiment_score":-0.21747050434350967},{"text":"Because it it's pretty she's got a pretty bad case of 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things like that.","start":361.78998,"end":367.55,"sentiment":"neutral","sentiment_score":-0.23910588380836306}],"sentiment":"neutral","sentiment_score":-0.24261228794205017,"num_words":69,"start":341.80002,"end":367.55},{"sentences":[{"text":"So, look, we're just going with this.","start":367.55,"end":369.65,"sentiment":"neutral","sentiment_score":-0.0038641534213508877},{"text":"Oh.","start":370.91,"end":371.41,"sentiment":"neutral","sentiment_score":0.0023010019212961197},{"text":"Oh, absolutely.","start":375.71,"end":376.61,"sentiment":"positive","sentiment_score":0.4600268006324768},{"text":"Absolutely.","start":376.975,"end":377.475,"sentiment":"positive","sentiment_score":0.5112690925598145},{"text":"Seven.","start":416.69,"end":417.19,"sentiment":"neutral","sentiment_score":0.03549214452505112}],"sentiment":"neutral","sentiment_score":0.12017223052680492,"num_words":12,"start":367.55,"end":417.19},{"sentences":[{"text":"Oh, yeah.","start":418.61,"end":419.35,"sentiment":"neutral","sentiment_score":0.022707439959049225},{"text":"So, yeah, it'd be a bit more I did what to do this year?","start":424.85,"end":429.65,"sentiment":"neutral","sentiment_score":0.016179504139082774},{"text":"One 01/01/1990.","start":429.65,"end":432.345,"sentiment":"neutral","sentiment_score":0.004758372204378247},{"text":"So yeah.","start":433.36502,"end":438.405,"sentiment":"neutral","sentiment_score":-0.011028436478227377},{"text":"That would no.","start":438.405,"end":439.045,"sentiment":"neutral","sentiment_score":-0.08476217711965243}],"sentiment":"neutral","sentiment_score":0.0002217946938522478,"num_words":23,"start":418.61,"end":439.045},{"sentences":[{"text":"That was all up.","start":439.045,"end":439.92502,"sentiment":"neutral","sentiment_score":-0.08347105979919434},{"text":"Yeah.","start":439.92502,"end":440.245,"sentiment":"neutral","sentiment_score":0.038466788828372955},{"text":"So we just did our tax return there last last week, actually.","start":440.245,"end":443.86502,"sentiment":"neutral","sentiment_score":0.07358974777162075},{"text":"Yeah.","start":461.375,"end":461.61502,"sentiment":"neutral","sentiment_score":0.0010808762162923813},{"text":"Well, yeah, the mortgage is yeah.","start":461.61502,"end":462.975,"sentiment":"neutral","sentiment_score":-0.04821808449923992}],"sentiment":"neutral","sentiment_score":0.012476328837995728,"num_words":24,"start":439.045,"end":462.975},{"sentences":[{"text":"The value is I always be up a bit, but yeah.","start":462.975,"end":468.17502,"sentiment":"neutral","sentiment_score":-0.08369621194221756},{"text":"Because I gotta get hang on, Tom.","start":468.17502,"end":469.77502,"sentiment":"neutral","sentiment_score":-0.303143247961998},{"text":"I gotta get my glasses because well, you say it's getting it's getting worse.","start":469.77502,"end":474.03,"sentiment":"negative","sentiment_score":-0.39518772065639496},{"text":"I had my son.","start":479.15,"end":479.87,"sentiment":"neutral","sentiment_score":-0.17422853782773018},{"text":"He's on with her prescription, but now that it's getting dull, it's just not doing That is.","start":479.87,"end":493.27502,"sentiment":"neutral","sentiment_score":-0.20574809172574213}],"sentiment":"neutral","sentiment_score":-0.24094190314974426,"num_words":53,"start":462.975,"end":493.27502},{"sentences":[{"text":"Alright.","start":502.83002,"end":503.23,"sentiment":"neutral","sentiment_score":0.002456811722368002},{"text":"That's a bit better.","start":503.23,"end":503.95,"sentiment":"neutral","sentiment_score":0.013486701995134354},{"text":"So what are we looking at, Tom?","start":503.95,"end":505.49002,"sentiment":"neutral","sentiment_score":0.006091080872075898},{"text":"Main residence.","start":506.11002,"end":506.93002,"sentiment":"neutral","sentiment_score":0.003870769403874874},{"text":"What was that's 9 was that $9.50?","start":509.79,"end":512.21,"sentiment":"neutral","sentiment_score":-0.0038110820044364247}],"sentiment":"neutral","sentiment_score":0.003814530980196737,"num_words":21,"start":502.83002,"end":512.21},{"sentences":[{"text":"Yeah.","start":517.48505,"end":517.885,"sentiment":"neutral","sentiment_score":-0.016348140314221382},{"text":"Well, we're we're hoping the next few weeks now that we have renovations and things finished that we can get someone else to get a proper value.","start":517.885,"end":523.325,"sentiment":"neutral","sentiment_score":0.016652787224976002},{"text":"So we reckon just going off real estate, they say 1.1 to 1.2 at the at the current value.","start":523.325,"end":529.38,"sentiment":"neutral","sentiment_score":-0.014871748948567793},{"text":"But that's not even with the renos.","start":529.54,"end":530.82,"sentiment":"neutral","sentiment_score":-0.16421301237174443},{"text":"That's the old the old 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off.","start":560.42,"end":565.38,"sentiment":"neutral","sentiment_score":0.04269705403765494}],"sentiment":"neutral","sentiment_score":-0.008602091536411772,"num_words":46,"start":532.58,"end":565.38},{"sentences":[{"text":"We took 70 out for for the.","start":565.38,"end":567.72003,"sentiment":"neutral","sentiment_score":0.0668806933930942},{"text":"So but we yeah.","start":568.82,"end":572.355,"sentiment":"neutral","sentiment_score":0.27555246464908123},{"text":"So we're yeah.","start":572.355,"end":573.39496,"sentiment":"neutral","sentiment_score":0.07658511524399121},{"text":"Because we did wheels and things that we made up wheels there the other day and things like that.","start":573.39496,"end":576.83496,"sentiment":"neutral","sentiment_score":0.07666469973168875},{"text":"And I think she said $4.40 or $4.50 was was the 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one?","start":759.655,"end":762.75,"sentiment":"neutral","sentiment_score":-0.004773162887431681},{"text":"Alright.","start":764.17,"end":764.67,"sentiment":"neutral","sentiment_score":0.04503815993666649},{"text":"Yeah.","start":774.88995,"end":775.38995,"sentiment":"neutral","sentiment_score":0.0931016206741333},{"text":"Yeah.","start":776.795,"end":777.115,"sentiment":"neutral","sentiment_score":0.10238727927207948},{"text":"Yeah.","start":777.115,"end":777.27496,"sentiment":"neutral","sentiment_score":0.1234554797410965}],"sentiment":"neutral","sentiment_score":0.02714976971037686,"num_words":12,"start":759.655,"end":777.27496},{"sentences":[{"text":"I got it again.","start":777.27496,"end":778.255,"sentiment":"neutral","sentiment_score":0.11463054455816746},{"text":"Yeah.","start":862.20496,"end":862.53,"sentiment":"neutral","sentiment_score":0.09111635386943816},{"text":"Yeah.","start":877.57,"end":877.89,"sentiment":"neutral","sentiment_score":0.1837049424648285},{"text":"Real.","start":877.89,"end":878.265,"sentiment":"neutral","sentiment_score":0.2697461247444153},{"text":"Yeah.","start":888.185,"end":888.685,"sentiment":"neutral","sentiment_score":-0.006631181109696627}],"sentiment":"neutral","sentiment_score":0.1245573022752069,"num_words":8,"start":777.27496,"end":888.685},{"sentences":[{"text":"Yeah.","start":919.73004,"end":920.23004,"sentiment":"neutral","sentiment_score":0.00685327872633934},{"text":"Which one?","start":960.605,"end":961.085,"sentiment":"neutral","sentiment_score":-0.012039526365697384},{"text":"Sorry?","start":961.085,"end":961.585,"sentiment":"neutral","sentiment_score":-0.0311275627464056},{"text":"Oh, yeah.","start":967.77997,"end":969.94,"sentiment":"neutral","sentiment_score":-0.008599350461736321},{"text":"Sorry.","start":969.94,"end":970.18,"sentiment":"neutral","sentiment_score":-0.0219680555164814}],"sentiment":"neutral","sentiment_score":-0.01250287045591644,"num_words":7,"start":919.73004,"end":970.18},{"sentences":[{"text":"Yeah.","start":970.18,"end":970.68,"sentiment":"neutral","sentiment_score":-0.004817703738808632},{"text":"Yeah.","start":979.46,"end":979.96,"sentiment":"neutral","sentiment_score":0.017634036019444466},{"text":"Yes.","start":1015.755,"end":1016.255,"sentiment":"positive","sentiment_score":0.3875530064105987},{"text":"Mhmm.","start":1032.17,"end":1032.67,"sentiment":"neutral","sentiment_score":0.03484787791967392},{"text":"Yep.","start":1054.86,"end":1055.36,"sentiment":"neutral","sentiment_score":0.20006924867630005}],"sentiment":"neutral","sentiment_score":0.1270572930574417,"num_words":5,"start":970.18,"end":1055.36},{"sentences":[{"text":"Yeah.","start":1099.9451,"end":1100.25,"sentiment":"neutral","sentiment_score":0.16406969726085663},{"text":"Yeah.","start":1125.545,"end":1125.705,"sentiment":"neutral","sentiment_score":0.11991392076015472},{"text":"I would I have it at $1.90 at the moment, but I I rather do maximum because, like, they take it before tax.","start":1125.705,"end":1133.46,"sentiment":"neutral","sentiment_score":0.15665641880553702},{"text":"I really don't notice the difference in in in the pay if it you know?","start":1133.46,"end":1137.96,"sentiment":"neutral","sentiment_score":-0.0411998201161623},{"text":"So I rather do the maximum.","start":1138.34,"end":1140.705,"sentiment":"neutral","sentiment_score":0.13343637560804686}],"sentiment":"neutral","sentiment_score":0.08847178700987411,"num_words":46,"start":1099.9451,"end":1140.705},{"sentences":[{"text":"If I if I can do 300 a week, I'd rather do that.","start":1140.705,"end":1143.205,"sentiment":"neutral","sentiment_score":0.25142282935289234},{"text":"Once I don't go over that, then oh, I don't know.","start":1144.705,"end":1151.825,"sentiment":"neutral","sentiment_score":-0.04370650555938482},{"text":"There's a lot of there's a lot of things going on at work at the moment, so I don't I don't know.","start":1151.825,"end":1156.4299,"sentiment":"neutral","sentiment_score":-0.25689445876262407},{"text":"They're they've they've merged with another company, and and it's not as successful as what the merge was supposed to be.","start":1159.21,"end":1165.665,"sentiment":"negative","sentiment_score":-0.5282208649885087},{"text":"So there's a lot of issues going on.","start":1166.145,"end":1169.5851,"sentiment":"negative","sentiment_score":-0.3758123777806759}],"sentiment":"neutral","sentiment_score":-0.22617453412463268,"num_words":75,"start":1140.705,"end":1169.5851},{"sentences":[{"text":"So I I don't know.","start":1169.5851,"end":1170.885,"sentiment":"neutral","sentiment_score":-0.3200759470462799},{"text":"I'm I'm I'm thinking what I want I wanna get this year over the way, and I was thinking maybe looking something different next year if it doesn't 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sorry.","start":1786.915,"end":1787.655,"sentiment":"neutral","sentiment_score":-0.03031118307262659},{"text":"What what else were you looking for, you said?","start":1790.92,"end":1792.6,"sentiment":"neutral","sentiment_score":-0.014979160701235136},{"text":"Sorry.","start":1792.6,"end":1793.1,"sentiment":"neutral","sentiment_score":-0.05423995479941368}],"sentiment":"neutral","sentiment_score":0.03302330092561466,"num_words":27,"start":1781.235,"end":1793.1},{"sentences":[{"text":"It is good question.","start":1798.76,"end":1799.98,"sentiment":"neutral","sentiment_score":-0.0011307355016469955},{"text":"Yeah.","start":1805.755,"end":1806.255,"sentiment":"neutral","sentiment_score":-0.016767103224992752},{"text":"Hang on.","start":1807.195,"end":1807.675,"sentiment":"neutral","sentiment_score":-0.04023599624633789},{"text":"She's sitting on the front here.","start":1807.675,"end":1809.035,"sentiment":"neutral","sentiment_score":-0.0434249093135198},{"text":"I think that's 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problem.","start":1872.68,"end":1873.5,"sentiment":"neutral","sentiment_score":0.06364217835168044},{"text":"Right.","start":1883.88,"end":1884.38,"sentiment":"neutral","sentiment_score":-0.0701313465833664}],"sentiment":"neutral","sentiment_score":0.10166279732116631,"num_words":7,"start":1848.48,"end":1884.38},{"sentences":[{"text":"I'll I ring you back if I make a mistake.","start":1884.52,"end":1886.4049,"sentiment":"neutral","sentiment_score":-0.06937137767672538},{"text":"Yeah.","start":1899.6649,"end":1900.08,"sentiment":"neutral","sentiment_score":0.1391955018043518},{"text":"Oh, yeah.","start":1962.1,"end":1962.5,"sentiment":"neutral","sentiment_score":0.05328608676791191},{"text":"Well, I should've yeah.","start":1962.5,"end":1963.72,"sentiment":"neutral","sentiment_score":0.016923923511058092},{"text":"We have we had a a new EBA.","start":1964.425,"end":1966.665,"sentiment":"neutral","sentiment_score":0.023877013474702835}],"sentiment":"neutral","sentiment_score":-0.007569371983408928,"num_words":25,"start":1884.52,"end":1966.665},{"sentences":[{"text":"No.","start":1966.665,"end":1966.8251,"sentiment":"neutral","sentiment_score":-0.018670812249183655},{"text":"It hasn't gone through yet, but they're gonna have to back pay us, whatever, eighteen months from July last year.","start":1966.8251,"end":1971.785,"sentiment":"neutral","sentiment_score":-0.2698801293969154},{"text":"So it should've been over the 200 this year, but because of that EBA not being agreed to, it it was just shy.","start":1971.785,"end":1979.36,"sentiment":"neutral","sentiment_score":-0.24709275883177054},{"text":"Mhmm.","start":2005.14,"end":2005.64,"sentiment":"neutral","sentiment_score":0.10940207540988922},{"text":"Yeah.","start":2011.0599,"end":2011.5599,"sentiment":"neutral","sentiment_score":0.11528874933719636}],"sentiment":"neutral","sentiment_score":-0.2364068701863289,"num_words":46,"start":1966.665,"end":2011.5599},{"sentences":[{"text":"Not yet.","start":2021.375,"end":2021.935,"sentiment":"neutral","sentiment_score":0.04952147230505943},{"text":"No worries.","start":2021.935,"end":2022.5951,"sentiment":"neutral","sentiment_score":0.26100365817546844},{"text":"Where is that box?","start":2054.275,"end":2055.415,"sentiment":"neutral","sentiment_score":0.010770292021334171},{"text":"Yes.","start":2066.61,"end":2067.11,"sentiment":"neutral","sentiment_score":0.021152079105377197},{"text":"Next.","start":2067.1702,"end":2067.615,"sentiment":"neutral","sentiment_score":0.006869720295071602}],"sentiment":"neutral","sentiment_score":0.06921532284468412,"num_words":10,"start":2021.375,"end":2067.615},{"sentences":[{"text":"Page page 41, Tamza or forty forty two.","start":2067.615,"end":2077.555,"sentiment":"neutral","sentiment_score":0.0026430576690472662},{"text":"So I have a signature, but it won't I can't see where next is written or same at all.","start":2092.07,"end":2115.1501,"sentiment":"neutral","sentiment_score":-0.06117409252022442},{"text":"Yeah.","start":2121.29,"end":2121.53,"sentiment":"neutral","sentiment_score":-0.023111212998628616},{"text":"It's just bringing me it's just bringing me to that yeah.","start":2121.53,"end":2136.745,"sentiment":"neutral","sentiment_score":-0.05132224546237425},{"text":"Next document.","start":2158.185,"end":2158.925,"sentiment":"neutral","sentiment_score":0.04917053133249283}],"sentiment":"neutral","sentiment_score":-0.03976775968174746,"num_words":41,"start":2067.615,"end":2158.925},{"sentences":[{"text":"So do I have to sign another one here?","start":2164.1199,"end":2178.465,"sentiment":"neutral","sentiment_score":-0.011523695455657111},{"text":"Alright.","start":2189.405,"end":2189.905,"sentiment":"neutral","sentiment_score":0.01374953519552946},{"text":"Understood.","start":2189.965,"end":2190.365,"sentiment":"neutral","sentiment_score":0.01017088070511818},{"text":"Alright.","start":2190.365,"end":2190.865,"sentiment":"neutral","sentiment_score":0.002664930885657668},{"text":"It's loading here at the moment, Tom.","start":2244.075,"end":2245.5151,"sentiment":"neutral","sentiment_score":0.021385219746402333}],"sentiment":"neutral","sentiment_score":0.0038194013636951383,"num_words":19,"start":2164.1199,"end":2245.5151},{"sentences":[{"text":"So alright.","start":2245.5151,"end":2257.7202,"sentiment":"neutral","sentiment_score":0.050592174753546715},{"text":"That's it.","start":2302.42,"end":2303.24,"sentiment":"neutral","sentiment_score":0.09675955772399902},{"text":"Yeah.","start":2307.3,"end":2307.6199,"sentiment":"neutral","sentiment_score":0.1178789734840393},{"text":"That's good.","start":2307.6199,"end":2308.02,"sentiment":"positive","sentiment_score":0.35060980916023254},{"text":"That's you you should have that note.","start":2308.02,"end":2309.8,"sentiment":"neutral","sentiment_score":0.2077093060527529}],"sentiment":"neutral","sentiment_score":0.18341194279491901,"num_words":14,"start":2245.5151,"end":2309.8},{"sentences":[{"text":"So I signed up.","start":2326.58,"end":2328.88,"sentiment":"neutral","sentiment_score":0.1852685660123825},{"text":"So do I sign up for free or do we just what do I do with that?","start":2329.78,"end":2333.0,"sentiment":"neutral","sentiment_score":0.08862882282804041},{"text":"Buy.","start":2336.6602,"end":2337.1602,"sentiment":"neutral","sentiment_score":-0.008666867390275002},{"text":"Sweet.","start":2337.7349,"end":2338.2349,"sentiment":"neutral","sentiment_score":0.24486158788204193},{"text":"Yep.","start":2340.775,"end":2341.275,"sentiment":"neutral","sentiment_score":0.16049090027809143}],"sentiment":"neutral","sentiment_score":0.1101854113706698,"num_words":24,"start":2326.58,"end":2341.275},{"sentences":[{"text":"With me, look, it it's taking miss Tom just, like like, today.","start":2379.93,"end":2383.5498,"sentiment":"neutral","sentiment_score":0.06012845846513907},{"text":"Take a time late in the afternoon, and hopefully, I can I can make it?","start":2383.77,"end":2386.99,"sentiment":"neutral","sentiment_score":0.09861757308244705},{"text":"Yeah.","start":2407.4602,"end":2407.7002,"sentiment":"positive","sentiment_score":0.3732993006706238},{"text":"That sounds good.","start":2407.7002,"end":2408.6,"sentiment":"positive","sentiment_score":0.6575647393862406},{"text":"No.","start":2425.405,"end":2425.905,"sentiment":"neutral","sentiment_score":0.022762149572372437}],"sentiment":"neutral","sentiment_score":0.1427987739443779,"num_words":32,"start":2379.93,"end":2425.905},{"sentences":[{"text":"Yep.","start":2441.4102,"end":2441.81,"sentiment":"neutral","sentiment_score":0.17895404994487762},{"text":"Not a problem.","start":2441.81,"end":2442.55,"sentiment":"positive","sentiment_score":0.3986523151397705},{"text":"Yeah.","start":2462.12,"end":2462.6,"sentiment":"neutral","sentiment_score":0.11146222054958344},{"text":"Not a problem.","start":2462.6,"end":2463.5,"sentiment":"neutral","sentiment_score":0.23427158097426096},{"text":"Could you Just on that, Tom, can you claim that back in on your your tax return?","start":2465.4001,"end":2473.6548,"sentiment":"neutral","sentiment_score":0.11513098636094261}],"sentiment":"neutral","sentiment_score":0.1658565890789032,"num_words":25,"start":2441.4102,"end":2473.6548},{"sentences":[{"text":"That forty, whatever it is, a week.","start":2474.9148,"end":2477.015,"sentiment":"neutral","sentiment_score":0.005785078608563968},{"text":"So do I right.","start":2478.9148,"end":2483.075,"sentiment":"neutral","sentiment_score":-0.11376889888197184},{"text":"So So how much how much is it?","start":2483.075,"end":2485.82,"sentiment":"neutral","sentiment_score":-0.030642512487247586},{"text":"What we can how much is it again, sorry?","start":2485.82,"end":2489.52,"sentiment":"neutral","sentiment_score":-0.06514387784732713},{"text":"42, isn't it?","start":2494.78,"end":2496.1602,"sentiment":"neutral","sentiment_score":-0.030150162676970165}],"sentiment":"neutral","sentiment_score":-0.0431117914136379,"num_words":31,"start":2474.9148,"end":2496.1602},{"sentences":[{"text":"Come on.","start":2499.105,"end":2499.585,"sentiment":"neutral","sentiment_score":-0.022447056137025356},{"text":"Yeah.","start":2499.585,"end":2499.905,"sentiment":"neutral","sentiment_score":-0.014432108961045742},{"text":"No.","start":2499.905,"end":2500.065,"sentiment":"neutral","sentiment_score":-0.10347089916467668},{"text":"That's fine.","start":2500.065,"end":2500.805,"sentiment":"neutral","sentiment_score":-0.01418471266515553},{"text":"Yeah.","start":2504.145,"end":2504.465,"sentiment":"neutral","sentiment_score":-0.00014710985124111176}],"sentiment":"neutral","sentiment_score":-0.027330522225903615,"num_words":7,"start":2499.105,"end":2504.465},{"sentences":[{"text":"No.","start":2504.465,"end":2504.625,"sentiment":"neutral","sentiment_score":-0.041867416352033615},{"text":"That's perfect.","start":2504.625,"end":2505.365,"sentiment":"neutral","sentiment_score":0.32884417474269867},{"text":"No.","start":2514.95,"end":2515.27,"sentiment":"negative","sentiment_score":-0.33506709337234497},{"text":"Not for you.","start":2515.27,"end":2515.83,"sentiment":"neutral","sentiment_score":-0.28556184967358905},{"text":"No, Tom.","start":2515.83,"end":2516.23,"sentiment":"neutral","sentiment_score":-0.09142546355724335}],"sentiment":"neutral","sentiment_score":-0.08430918181935947,"num_words":9,"start":2504.465,"end":2516.23},{"sentences":[{"text":"That's good for me.","start":2516.23,"end":2517.37,"sentiment":"positive","sentiment_score":0.3622218370437622},{"text":"Just in beneficiaries and things, I did I did wanna get across the board.","start":2517.59,"end":2520.65,"sentiment":"neutral","sentiment_score":0.2072198364351477},{"text":"Yeah.","start":2530.245,"end":2530.485,"sentiment":"neutral","sentiment_score":0.15447145700454712},{"text":"That's fine.","start":2530.485,"end":2531.225,"sentiment":"neutral","sentiment_score":0.1751725971698761},{"text":"Yeah.","start":2547.5398,"end":2547.8599,"sentiment":"neutral","sentiment_score":0.26190295815467834}],"sentiment":"neutral","sentiment_score":0.23257657580754973,"num_words":22,"start":2516.23,"end":2547.8599},{"sentences":[{"text":"Not a problem.","start":2547.8599,"end":2548.5999,"sentiment":"positive","sentiment_score":0.5122735997041067},{"text":"Thank you, Tom.","start":2557.955,"end":2558.675,"sentiment":"positive","sentiment_score":0.7971459229787191},{"text":"Appreciate that.","start":2558.675,"end":2559.575,"sentiment":"positive","sentiment_score":0.775468498468399},{"text":"See you, mate.","start":2563.195,"end":2563.675,"sentiment":"positive","sentiment_score":0.39809752504030865},{"text":"Bye bye.","start":2563.675,"end":2563.9949,"sentiment":"neutral","sentiment_score":0.20294427871704102}],"sentiment":"positive","sentiment_score":0.5445674382723295,"num_words":13,"start":2547.8599,"end":2563.9949},{"sentences":[{"text":"Bye.","start":2563.9949,"end":2564.4949,"sentiment":"neutral","sentiment_score":-0.0960174947977066}],"sentiment":"neutral","sentiment_score":-0.0960174947977066,"num_words":1,"start":2563.9949,"end":2564.4949}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon, David. It's Tommy here, senior adviser of Financial. How are you doing?\n\nChannel 1: Good, miss. Yourself?\n\nChannel 0: I'm living the dream. It's a beautiful week. I've got you booked in for a bit of a catch up for some updated strategies and and a few review points there. Do you still have some time for me?\n\nChannel 1: Yeah. Yeah. Sure do.\n\nChannel 0: Perfect. Perfect. So I'll go through the usual security check with you, and I've\n\nChannel 1: Yeah.\n\nChannel 0: got a bit of an email to send to you. Do you have access to your emails today? Perfect. Alright. So I'll pop that through.\n\nAnd just while it's going through, are you okay for the call to be recorded?\n\nChannel 1: Yeah. Yeah. All good, Tom. Yeah.\n\nChannel 0: Perfect. And just for the security of your info, so I'm registered with Advicus Advisor one two seven three one zero five. Can I confirm your date of birth and address?\n\nChannel 1: It's the first and ninth nineteen eighty.\n\nChannel 0: Perfect.\n\nChannel 1: 3013 Park Grove Avenue in Camira.\n\nChannel 0: Amazing. Thank you so much for that, David. Mate, I do have to give you just a quick warning before I go ahead. My three year old broke his leg, so I do have him home with me today. So if you hear a bit annoying, I do apologize.\n\nChannel 1: That's all good. All good.\n\nChannel 0: He went, oh, you've you've got a newborn baby. I'll go break my leg, and so the whole family's enjoying\n\nChannel 1: I've been there. I I have three girls, so I know all\n\nChannel 0: the darn time for that. Fair enough. Fair enough. Thank you for that. Now\n\nChannel 1: about it.\n\nChannel 0: that should come through pretty quickly, that email there, and I'll go through a couple of quick points in terms of what your your goals were previously, see if there's been any major changes. And then I just wanna kind of walk you through what I've been researching and the ideas that I'd like to kind of\n\nChannel 1: Yeah.\n\nChannel 0: change. Perfect. Now when you get that email, it should be listed as open new financial statement of advice. Can you see that in your main inbox? It may have gone to your spam folder\n\nChannel 1: Yeah.\n\nChannel 0: if it\n\nChannel 1: No.\n\nChannel 0: is your first\n\nChannel 1: Statement.\n\nChannel 0: time.\n\nChannel 1: I have it here. Yeah.\n\nChannel 0: Perfect. Perfect. So if you can hit that purple button to it says sign on it, but it does bring open all six documents to review with me, and we can have a bit of a scroll together.\n\nChannel 1: Sign. Where's sign? Click to start.\n\nChannel 0: Could be\n\nChannel 1: Oh, yep. Yep.\n\nChannel 0: a little bit\n\nChannel 1: Click\n\nChannel 0: further\n\nChannel 1: to start.\n\nChannel 0: down. Yeah. Click the start. Now when you get in there, it should have that Gold Coast Beachfront city picture on that first document labeled statement of advice.\n\nChannel 1: Me I'm just signing it here now. And jeez. I got no addresses.\n\nChannel 0: No. You're right, man.\n\nChannel 1: It's third. I don't know about you. I say Thomas is very hard to see this white writing Let's see. 03. Sorry.\n\nI'm talking to myself here. 09.\n\nChannel 0: No. No. You're totally fine. No. Definitely don't want you to accidentally sign anything, so I just wanna get into the document first.\n\nChannel 1: Oh, you don't want me to sign it?\n\nChannel 0: No. No. I need to run through it with you. Make sure he's comfortable first.\n\nChannel 1: Oh, right. Sorry.\n\nChannel 0: No. You're totally fine.\n\nChannel 1: So what\n\nChannel 0: Does\n\nChannel 1: are\n\nChannel 0: it\n\nChannel 1: you\n\nChannel 0: still\n\nChannel 1: looking\n\nChannel 0: let you\n\nChannel 1: for?\n\nChannel 0: scroll up and down?\n\nChannel 1: Yeah. So I'll go back to the top again. Yeah. I got a picture\n\nChannel 0: Perfect.\n\nChannel 1: of the Gold Coast\n\nChannel 0: Yeah.\n\nChannel 1: here.\n\nChannel 0: Just\n\nChannel 1: Yeah.\n\nChannel 0: amazing. Amazing. So if you could just skip through to pages three and four for me, it's got a scope of advice.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. The main thing that I'm focusing on for this updated strategy was updating your portfolio. And if you recall, there was a bit of a conversation about some trauma insurance that you might be able to get just given that you're a bit you're still working on the citizenship side of things, and we've been calling around a few insurers to see what cover you can actually get based on different visas, different citizenship statuses. Does that ring a bell?\n\nChannel 1: Yeah. Yeah. Yeah. I remember that. Yeah.\n\nChannel 0: Perfect. So I'll go through that with you in a sec. Just before I swing down any further, your main focuses at the time was renovations and cruises, and, obviously, the citizenship is kind of like a long term ten year goal. How do you end up going with the renos?\n\nChannel 1: Oh, yeah. We got there eventually. It was a struggle, but we we just all this few niggly bits and pieces to do. But, look, with a house, there's always something to do. You finish one project and you gotta start another.\n\nBut the main windows are done. The bathroom and the kitchens and things like that are done. So we we just put everything on hold for the moment.\n\nChannel 0: Oh, sensational. Yeah. I've got that 80% built deck next to me, and I'm just doing the finishing touches for that one. So I can understand it can take a little while. And is there anything else sort of focusing for you guys the next couple of years?\n\nChannel 1: Not really with no. Not the citizenship is a big one. This year, Andrea's been pretty sick this year. She was diagnosed with cancer and things. So it's just a case of\n\nChannel 0: Oh, man.\n\nChannel 1: fucking oh, it's it's been a fucking yeah. It's been a rough one.\n\nChannel 0: Fair.\n\nChannel 1: So\n\nChannel 0: Hardly fair.\n\nChannel 1: yeah. Because it it's pretty she's got a pretty bad case of this. And the last round of of chemo, because it's such a severe dose she was getting, ended up giving her access.\n\nChannel 0: Oh, no.\n\nChannel 1: And she's only 40 years of age.\n\nChannel 0: Oh, mate. Double\n\nChannel 1: Oh,\n\nChannel 0: whammy on that one. I'm sorry to hear that.\n\nChannel 1: yeah. I don't know if we're we're we're we're kind of in the recovery stage, but no chemo's done. Just waiting on dates for surgery, but because of the heart complications, they just keep changing dates and things like that. So, look, we're just going with this. Oh.\n\nChannel 0: Yep. So it's safe to say you've been busy and a lot going on.\n\nChannel 1: Oh, absolutely. Absolutely.\n\nChannel 0: Okay. So I'll keep our side of things nice and straight forward for you because I don't wanna be a burden on you. But the main thing is just, again, updating the super, and I did get some headway on the trauma cover. Now I wanna just sort of double check that with you. We'll we'll have a bit of a scroll down.\n\nWe've got your other your other goals there. If you can go down pages eight and nine of the about you section and also your assets and liabilities. I just wanna quickly touch on that.\n\nChannel 1: Seven.\n\nChannel 0: So we've got phone\n\nChannel 1: Oh,\n\nChannel 0: and\n\nChannel 1: yeah.\n\nChannel 0: email, 166,000 of the income still doing the truck driving.\n\nChannel 1: So, yeah, it'd be a bit more I did what to do this year? One 01/01/1990. So\n\nChannel 0: $1.90. So that was just for the tax return?\n\nChannel 1: yeah. That would no. That was all up. Yeah. So we just did our tax\n\nChannel 0: Yep.\n\nChannel 1: return there last last week, actually.\n\nChannel 0: Perfect. Okay. If you have a swing down there, I've got the I'm assuming the home value has probably changed a little bit, maybe the mortgage, but I've got the two cars and the home listed with the mortgage. They're about $5.10.\n\nChannel 1: Yeah. Well, yeah, the mortgage is yeah. The value is I always be up a bit, but yeah. Because I gotta get hang on, Tom. I gotta get my glasses because well, you say it's getting it's getting worse.\n\nChannel 0: Okay. I got it for\n\nChannel 1: I had my son. He's on with her prescription, but now that it's getting dull, it's just not doing\n\nChannel 0: You hit the the twilight period of that sort of 5PM where the sun hits that middle point, and the sun is just gonna be worse than nothing.\n\nChannel 1: That is. Alright. That's a bit better. So what are we looking at, Tom? Main residence.\n\nChannel 0: Yeah.\n\nChannel 1: What was that's 9 was that $9.50?\n\nChannel 0: Yeah. $9.50 on the main value and $5.10 for the mortgage.\n\nChannel 1: Yeah. Well, we're we're hoping the next few weeks now that we have renovations and things finished that we can get someone else to get a proper value. So we reckon just going off real estate, they say 1.1 to 1.2 at the at the current value. But that's not even with the renos. That's the old the old house.\n\nThat's on real estate, that's what it's showing.\n\nChannel 0: Perfect. I'll go a bit conservative with it. It doesn't make too much difference for us, but I'll put the one point one one point two there, and, hopefully, that'll give you a nice little boost above that. And the mortgage at $5.10, is that changed?\n\nChannel 1: What she said it was there? No. It it'll be down I think she said $4,454.50. So we because we took\n\nChannel 0: Perfect.\n\nChannel 1: 70 out for for well, that was two years ago, so we would've been paying that off. We took 70 out for for the. So\n\nChannel 0: Awesome.\n\nChannel 1: but we\n\nChannel 0: And you've knocked it back down.\n\nChannel 1: yeah. So we're yeah. Because we did wheels and things that we made up wheels there the other day and\n\nChannel 0: Yep.\n\nChannel 1: things like that. And I think she said $4.40 or $4.50 was was the remaining. So, basically, she she she does the mortgage, and I I do the other bills, and that's the way I I yeah. She covers that that side of it.\n\nChannel 0: Yeah. Perfect. Perfect. Good cash flow strategy. Alright.\n\nI'll update all that on our system. Thank you so much for that info. If you\n\nChannel 1: Yep.\n\nChannel 0: can have a swing down for me, just to keep it nice and easy for you, we'll just kind of skip through. You've got the super on page 10, the risk profile being high growth on page eleven and twelve, and then strategy recommendations on 13, the big wall of text there under a blue title, strategy recommendations. Can you see that one?\n\nChannel 1: Yep. That's on 13.\n\nChannel 0: So, basically, to summarize why we're doing what we're doing with the portfolio is we're trying to reduce the investment fees, improve the performance, get everything sort of back on track for a consistent double digit return across all time periods, not just some of them. And we've also factored in things like any capital gains tax inside the super under the hood when we switch investments around. The only thing that I'm not doing in here is I can't give you that full 22 retirement analysis projection. It's just a little bit too far out because there's so many changes that'll happen in your life. We usually just do, like, a ten year projection at this point.\n\nChannel 1: Yep.\n\nChannel 0: Okay? Now the main thing here, if you skip through, there'll be some alternatives that we looked at. The the usual market risk about, you know, you can't control the weather. Markets go up and down, but we do pick the investments for you. If you can go down to page 16, this is where the table start, and just a couple of things I wanted to point out for you.\n\nIt's actually a pretty\n\nChannel 1: Yep.\n\nChannel 0: big investment table. Can you see that one there?\n\nChannel 1: Yep.\n\nChannel 0: Cool. So when it comes to the progress of everything, your last review, you were sitting at a 138,000. As of today, you're at 163,000 when I add in all the cash and everything. We've had some some cash from your contributions pulling off to the side, which has been pretty good actually because the stock market had a bit of a crash in March. So when the stock market went down, you missed a big chunk of that, and it kind of only affected you at around about two to 5% instead of seven to 12.\n\nBut it's kind of flatlined your your investment return for the year even though your balance has gone up 25. That's mainly from your contribution. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Now in that table, can you see the second last column? It's probably the the most sort of digit bit I wanna show you. Second last column is target weight percentages, and you should see some nice round figures in that column.\n\nChannel 1: Which one is that, Moe? On page 18 or not the last one?\n\nChannel 0: So 16 page 16\n\nChannel 1: Alright.\n\nChannel 0: still. We've got the second last column as target weight percentage, and you'll see, like, seven percent zero seven zero, and it kinda just goes down the list.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: what\n\nChannel 1: I\n\nChannel 0: I'm\n\nChannel 1: got\n\nChannel 0: basically\n\nChannel 1: it again.\n\nChannel 0: doing here is a a two factor strategy. So we do a rebalance, which anything that's kind of going up to, you know, 32.1% and this one's going down to 17.4, we just bring those back to the middle again, kind of buy low to sell high. Take some profits from this one, rebalance all your investments. At the same time, all of the ones that have a zero in that column, I'm switching out. So the option in the second row was doing kind of average last year.\n\nIt still hasn't kind of recovered, so we're removing that one along with a bit of exposure to Europe and Japan in the middle. And at the bottom, those bottom four or five, these are the options that we're adding into the portfolio. So for your defensive portion, we're putting some of the cash into some bonds, which are kind of safer. They're fixed interest. They get a higher return in cash, but they're not risky like the stock market.\n\nWhereas everything else above that, these are all of your replacements for those options. So the Radia 200, the Raffi 200, they're essentially a low fee replacement of the previous option, much better performance over one, three, five, and ten years.\n\nChannel 1: Yeah.\n\nChannel 0: The only other thing of note is we have mixed in a little bit of India in there just because of a bit of manufacturing going from China to India. It's a bit more of a long term play over the next five years or so, but only a small portion.\n\nChannel 1: Yeah. Real.\n\nChannel 0: Cool. Now if you go down, the main thing I wanted to show you was page 18 with that pie chart that you would have seen with the colors on it.\n\nChannel 1: Yeah.\n\nChannel 0: So for your high growth risk profile, you need to be sitting between 90 to a 100% growth asset because we've been pulling some cash off to the side while the market was kind of going down. You're sitting at 84%. We're essentially gonna redeploy that into the fixed interest, and that'll bring you back up to about 92 and get you into all the different areas, gold, shares, and safer assets, and just keep you in line with that risk profile.\n\nChannel 1: Yeah.\n\nChannel 0: The reminder there, though, is that the high growth is to try and get the high returns over five, ten years. Once we have built the balance up, like I said previously, we do have to reduce it down. It's up to be 64, lose half your super business top market crashes a year before you go to retire. Now if you swing past there, I've updated a couple of little projections there for you as well on pages nineteen and twenty. You should see a fee comparison table where it says current and recommended and different.\n\nChannel 1: Which one? Sorry?\n\nChannel 0: We're looking at page 19, and you should see\n\nChannel 1: Oh,\n\nChannel 0: a fee comparison table.\n\nChannel 1: yeah. Sorry.\n\nChannel 0: It\n\nChannel 1: Yeah.\n\nChannel 0: usually goes yep. Now if you go on the right hand side, the difference at the top right can you see the minus 1,000 up there on the top right?\n\nChannel 1: Yeah.\n\nChannel 0: So that's essentially any, like, brokerage fees to purchase the investments, which we use all the ETFs. So they're very, very cheap for the whole time you hold them, but you spend a little bit to buy them up front. And that's also capital gains tax under the hood as well. With the investments, though, we've been able to half the investment fee. So that'll save you $520 a year.\n\nAnd as your balance grows, because it's a percentage savings, that'll just compound and compound over the years bigger and bigger as well.\n\nChannel 1: Yes.\n\nChannel 0: The bottom row of that table, we're bringing the five year performance average back up from that kind of six and a half percent back up to around 12. Like I said before, we need to have it consistently above 10%.\n\nChannel 1: Mhmm.\n\nChannel 0: Projection down below. So there's a combination of the investment switches and some contribution advice as well. And bit of grain of salt, of course, but over five and ten years, we're expecting it to go from 90 to 200,000 difference over five and ten years.\n\nChannel 1: Yep.\n\nChannel 0: Swing over to the next page, last couple of things to show you is the performance table. And what I really wanted to show you here was on the left hand side, you can see it kind of bounces around between 1% here, 10% there, 6% here, whereas with the new portfolio, it's consistently in the double digits across all periods. Basically, a couple of the options that we switched out, they're a little bit too, I guess, volatile. Some years they're going fantastic. Some years they're going very, very poorly.\n\nAnd I just wanted to get it a little bit more consistent year on year for you, mainly with some some passive low fee options. They're a little bit more consistent.\n\nChannel 1: Yeah.\n\nChannel 0: Now we did have a bit of a chat around the the salary sacrifice side of things, and you were thinking of kind of increasing it a little bit from a 150 to $2.40 a week. That's before tax. Bear in mind, it only impacts your 70¢ on the dollar. But, realistically, just wanna be guided by you. I mean, given all everything you've got going on with with family and health\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: I would\n\nChannel 0: cash flow.\n\nChannel 1: I have it at $1.90 at the moment, but I I rather do maximum because, like, they take it before tax. I really don't notice the difference in in in the pay if it you know? So I rather do the maximum. If I if I can do 300 a week, I'd rather do that. Once I don't\n\nChannel 0: K.\n\nChannel 1: go\n\nChannel 0: So\n\nChannel 1: over that,\n\nChannel 0: do you think\n\nChannel 1: then\n\nChannel 0: you'll be hitting $1.90 again\n\nChannel 1: oh,\n\nChannel 0: for this financial year, do you think?\n\nChannel 1: I don't know. There's a lot of there's a lot of things going on at work at the moment, so I don't I don't know. They're they've they've merged with another company, and and it's not as successful as what the merge was supposed to be.\n\nChannel 0: Right.\n\nChannel 1: So there's a lot of issues going on. So I I don't know.\n\nChannel 0: Okay.\n\nChannel 1: I'm I'm I'm thinking what I want I wanna get this year over the way, and I was thinking maybe looking something different next year if it doesn't change. But at the moment, yeah, there's a lot of another company bought them three three years ago, and it's it's just not as good as what it used to be.\n\nChannel 0: Gotcha. Okay. So better changes on the horizon possibly.\n\nChannel 1: Yeah. So\n\nChannel 0: Okay.\n\nChannel 1: we'll\n\nChannel 0: So\n\nChannel 1: see.\n\nChannel 0: what I\n\nChannel 1: We\n\nChannel 0: think\n\nChannel 1: we\n\nChannel 0: you\n\nChannel 1: just\n\nChannel 0: should do\n\nChannel 1: put\n\nChannel 0: then\n\nChannel 1: this over there.\n\nChannel 0: are you using an offset account for the mortgage?\n\nChannel 1: No. I don't think so.\n\nChannel 0: Okay. So\n\nChannel 1: I know\n\nChannel 0: what\n\nChannel 1: we\n\nChannel 0: you\n\nChannel 1: had one,\n\nChannel 0: can\n\nChannel 1: but I\n\nChannel 0: do\n\nChannel 1: think she's\n\nChannel 0: I'm\n\nChannel 1: always\n\nChannel 0: not okay. I think you should keep the contributions at $1.90 for the time being because if you do hit that higher figure again, if I increase it to $2.40, you might just go over the cap a little bit, which they'll use up anything you haven't used going backwards five years anyway, which will get you through for the first time. The better way to do it is if you have a redraw or an offset account or even just a savings account, is pull everything else into the savings. And when it comes time for June, if there's anything left over in the tap that you haven't done, we can do a one off contribution then. It's not as nice as having it pretax like we were doing currently, but I think the $1.90 is the safe amount just for the time\n\nChannel 1: Yeah. We can leave it at that thing until it's not. I don't want yeah. I I don't want to go over, but, like, I I'd like to try and get as much back with the salary sacrifice and all. The less you give the tax, man, the better.\n\nChannel 0: Yeah. I agree a 100%. And what'll happen is, let's say, you get to next year and you've put in twenty nine and a half thousand and you've got $3 to go, you can pop $3 in, claim it as a tax deduction, and you'll get that chunk back straight away, which just minimizes the time. It's not as good as salary sacrifice, but it's an expense thing.\n\nChannel 1: But you you can only do that one offer. Can you do that every\n\nChannel 0: Oh, you can do that every year. Basically, you know how your employer puts in salary sacrifice through the payroll system?\n\nChannel 1: year? Yeah.\n\nChannel 0: You would essentially do a BPAY or EST deposit and then fill in a form with us. We would help you with the the paperwork, and it basically sends a signal to the tax office that you're gonna claim it for a tax deduction. And you can do that exactly the same way.\n\nChannel 1: Alright.\n\nChannel 0: Yeah. It's\n\nChannel 1: So\n\nChannel 0: just\n\nChannel 1: yeah.\n\nChannel 0: an extra\n\nChannel 1: We\n\nChannel 0: form, though, not as fun as salary.\n\nChannel 1: yeah. Well, I might do that before my tax return next year. Just so I've already done my tax return just last week. So\n\nChannel 0: Fine.\n\nChannel 1: but maybe next year, I I could whatever extra is left, just just put in that three or four thousand or whatever it is.\n\nChannel 0: Yeah. And as long as it's in before, like, June 30 or technically June 25 when the super funds accept it, as long as the money is in, you don't have to complete that form until before you tax return is submitted. So, basically, as long as you get it in on, say, June 24, you've got a couple of months to finish the form. When you get that accepted, then you could submit the tax return.\n\nChannel 1: So, basically, before the end of the financial year, just contact you guys and and just put in whatever needs to be put in?\n\nChannel 0: Yes. Exactly right. And I'll flag you on our system as it's called a notice of intent to claim, and I'll flag you as a NOI client. So that way we can reach out to you in, like, May, June as well, and we can help you with the process. It's basically just a deposit and a one page.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Cool. That sound okay?\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Now if you can have a quick swing down for me, the last bit I wanted to show you is the the insurance side of things. So can you go to page 24? You should see a bit of a blue bar saying to apply for some life insurance.\n\nChannel 1: Yeah. Life and trauma insurance.\n\nChannel 0: Yeah. So what I've recommended here is I know you're currently with Cal, and I don't normally recommend having multiple insurance, but Zurich came out very, very, very good in terms of pricing for you for trauma insurance. Now that's the one that would give you a $100,000 lump sum if you did have a heart attack, stroke, or cancer. Now\n\nChannel 1: Yep.\n\nChannel 0: to make that one a bit cheaper, what we did was we linked it up with a little life policy of a 100,000. And it's just a bit of a trick of the trade that if you have life insurance linked trauma insurance, it's cheaper than just having the trauma by itself.\n\nChannel 1: Yes.\n\nChannel 0: So they were saying the price would be around about 37 to $41 per month because it's the only cover you can have that has to be out of pocket. It can't be through super. So I was trying to put a limit on it of below $50 a month, and I just wanted to run it by you as an idea that if we put in place this policy here, most of it looks pretty good from a pricing standpoint, $41 a month on the quote. And as far as the permanent residency visa status go, can you see a bit of a box below there in blue where it says exclusion and loading? It just\n\nChannel 1: Yep.\n\nChannel 0: explains what a residency exclusion\n\nChannel 1: But this in so this is only\n\nChannel 0: is.\n\nChannel 1: for trauma and license trauma. Is it?\n\nChannel 0: Yeah. So you've already got the existing. I'm just gonna flick back up to the top for a second just to give you the the right details here. So your towel cover gives you the life insurance and the disability insurance that you already have. This one is essentially us getting you the trauma cover.\n\nChannel 1: Yeah.\n\nChannel 0: So life insurance if you pass away, EPD if you can never work again, trauma is based on a diagnosis. If you get a diagnosis of, hey. You've had a heart attack, stroke. You've got a certain type of cancer, organ failure, any sort of severe disease with a really strange Latin name, like bacterial meningitis or anything like that, they basically just give you a lump sum payment to go towards medical expenses in time with the family and so on. So that was something that we had talked about.\n\nIt's possible to get. You can only claim on it if you're still, you know, residing in Australia at the time. That's the exclusion based on citizenship and so on. But I just\n\nChannel 1: Mhmm.\n\nChannel 0: wanted to run this one by you.\n\nChannel 1: Yeah. Yeah. Yeah. No. That's fine.\n\nChannel 0: K. Now with this one, what I would do is there is a bit of a quote that we'll send through to you. Again, it will be $41 with your current birthday, and I basically could get you booked in with the team to go through an application just like the one you did for the life insurance originally.\n\nChannel 1: Yeah.\n\nChannel 0: Cool. Now through the rest of that document, we've got beneficiary nominations, which they're all sorted for the Netwealth, but it was really just to tell life insurance. And because we're attaching life insurance to the trauma, we can do a nomination on that as well for the Zurich cover once it's applied for. So I was basically just gonna send some form through so that we could get your partner nominated across all the super the insurances,\n\nChannel 1: Yeah. That's\n\nChannel 0: everything, and\n\nChannel 1: that's\n\nChannel 0: make\n\nChannel 1: something\n\nChannel 0: sure\n\nChannel 1: we\n\nChannel 0: all three line up.\n\nChannel 1: yeah. That's something we were we were speaking about during making the wheel a few weeks back. I didn't I wasn't sure whether I had it done or not. So I knew your call was today. I wanted to discuss that.\n\nBut so, yeah, basically, everything everything in my super and everything there will be assigned to Andrea.\n\nChannel 0: Yep. And in terms of getting those to you, would you prefer us to email it through, you print it out, get it signed and witnessed, or would you prefer posted with a return\n\nChannel 1: With the policy, do I still have to get a witness?\n\nChannel 0: envelope? Yeah. So just like the wills, you need two people who aren't the beneficiary to witness it on the same\n\nChannel 1: So that'd be like a JP or someone like that?\n\nChannel 0: day. It can be any adult as long as they're not the beneficiary.\n\nChannel 1: Oh, right now. Okay. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Posted, I guess, would be good. Because I I know she\n\nChannel 0: Yep.\n\nChannel 1: was screaming at the the printer the other day, Which\n\nChannel 0: Fair\n\nChannel 1: is\n\nChannel 0: enough.\n\nChannel 1: nothing new.\n\nChannel 0: Posted with a return on the line.\n\nChannel 1: Yeah. That'd be good.\n\nChannel 0: If it's easier for you, I can prefill it. So what we were recommending was a legally binding nomination just like the super, a nonlapsing nomination so it doesn't just randomly expire after three years. Are you okay with that?\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Cool. And I can prefill those options on the forms as well. I can also put Andrea's details on there if you like, unless you'd be comfortable just to write that in the boxes.\n\nChannel 1: If you want to put entry details, yeah, while you're doing it. Yeah.\n\nChannel 0: Cool. Yeah. Just because it is a legal document, I'll ask you some questions that have already half answered before. Just for for Andrew's full name and maiden name as well.\n\nChannel 1: Yep. So it's Andrea Dinnehy. Or sorry. Her maiden name is Andrea Mason. Oh,\n\nChannel 0: Awesome.\n\nChannel 1: what\n\nChannel 0: Awesome.\n\nChannel 1: else did you say\n\nChannel 0: And\n\nChannel 1: you're\n\nChannel 0: just\n\nChannel 1: looking\n\nChannel 0: to\n\nChannel 1: for? I'm\n\nChannel 0: confirm\n\nChannel 1: sorry.\n\nChannel 0: all sorry, mate. What was that?\n\nChannel 1: What what else were you looking for, you said? Sorry.\n\nChannel 0: So I need date of birth.\n\nChannel 1: It is good question.\n\nChannel 0: Oh, is it?\n\nChannel 1: Yeah. Hang on. She's sitting on the front here. I think that's it. I think she'll shoot me.\n\nChannel 0: Sorry.\n\nChannel 1: Alright. Alright. Can I get your date of birth? Your date of birth. Your date of birth.\n\nYour birth. Fourth fourth of the twelfth nineteen eighty five.\n\nChannel 0: 12/1985. So fourth to the twelfth nineteen eighty five. Andrea is spelled a n d r e a. Is that correct?\n\nChannel 1: Yeah. Correct.\n\nChannel 0: Beautiful. And residing at the same address.\n\nChannel 1: Yeah. Correct.\n\nChannel 0: Beautiful. Alright. I will get all that prefilled so she did cross everything, posted out with a return envelope. Any trouble at all, there'll be a cover letter, but just give us a buzz in. It takes us about two minutes to look through the form.\n\nAnd, again, just make sure the two witnesses aren't beneficiary and that they sign on the same date.\n\nChannel 1: Yeah. Not a problem.\n\nChannel 0: Oh, and one last thing. If you make a mistake, don't scribble down right next to it because it then invalidates the form.\n\nChannel 1: Right. I'll I ring you back if I make a mistake.\n\nChannel 0: Yep. Perfect. Perfect. Alrighty. So that's all there.\n\nYou guys obviously establish the will and everything. Did you guys put in place power of attorney as well?\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. So I've got a will and power of attorney is in place. Beneficiaries will be shortly. Easy done. Mate, that's pretty much it.\n\nSo everything else there, I do have to let you know that for the insurance policy, again, that application I'll book in with you in a sec if you've got your your calendar. But for all of that fees and everything, I've included an updated service agreement there. Still the usual 1.65% for our services, but we have included a tiered fee structure now in the service guide, our financial service guide. So when you get above 200,000, there is discounts that get applied and also further discounts when you go above 500,000. I just wanna let you know that we've kind of tweaked the the structure a little bit, and that should apply to you in the next probably about twelve to eighteen months, I think, to get you up to that balance.\n\nChannel 1: Oh, yeah. Well, I should've yeah. We have we had a a new EBA. No. It hasn't gone through yet, but they're gonna have to back pay us, whatever, eighteen months from July last year.\n\nSo it should've been over the 200 this year, but because of that EBA not being agreed to, it it was just shy.\n\nChannel 0: Yeah. Okay. Totally fair. Now with the the insurance policies as well so anytime we put in place an insurance policy for any insurer, we do get paid the first 66% of the first year's premium as a commission for the establishment, and then 22% ongoing to help manage, like, claims assistance and\n\nChannel 1: Mhmm.\n\nChannel 0: claims advice as well, which I think for the New Zurich Zurich policy is about $98 per\n\nChannel 1: Yeah.\n\nChannel 0: annum. Again, no fee from you. It's from the insurer to advisers, and there's no difference between providers.\n\nChannel 1: Not yet. No worries.\n\nChannel 0: Awesome. So from here, if you're comfortable with all these strategies, there should be that that begin section that you were seeing before to design. And, basically, there's a signature and date stamp that goes on there, and there's also a bit of a box above the authority to proceed signature if you wanted to vary any recommendations as they are, just write NA into that box, please.\n\nChannel 1: Where is that box?\n\nChannel 0: So at the bottom of this document, sorry, second last page, but that button should also bring you there as well, the the begin button.\n\nChannel 1: Yes. Next. Page page 41, Tamza or forty forty two.\n\nChannel 0: 42. Yeah.\n\nChannel 1: So I have a signature, but it won't I can't see where next is written or same at all.\n\nChannel 0: There any other blue purple buttons that say next document or anything like that?\n\nChannel 1: Yeah. It's just bringing me it's just bringing me\n\nChannel 0: Oh,\n\nChannel 1: to\n\nChannel 0: it\n\nChannel 1: that\n\nChannel 0: might be that box. Yeah. The box above it. So where it's got signature and date, if they are stamped in there now, if you just go up just a tiny bit above it, there's a white\n\nChannel 1: yeah.\n\nChannel 0: space underneath the two paragraphs. And if you click on that and just type in NA, because we're not bearing the advice, that should actually cancel that last one for that document.\n\nChannel 1: Next document.\n\nChannel 0: Perfect.\n\nChannel 1: So\n\nChannel 0: The rest of those there, we've got the appendix research, financial services guide, service agreement, and overview services guide.\n\nChannel 1: do I have to sign another one here?\n\nChannel 0: Most of them would be skippable except for the ongoing consent with Netwealth.\n\nChannel 1: Alright.\n\nChannel 0: That's the\n\nChannel 1: Understood.\n\nChannel 0: only other\n\nChannel 1: Alright.\n\nChannel 0: one that would require a signature.\n\nChannel 1: It's loading here at the moment, Tom. So\n\nChannel 0: Oh, perfect. It's one of those things where with the amount of extra documents there, there's a few 100 pages there. Sometimes it takes a moment, that spinning circle to go\n\nChannel 1: alright.\n\nChannel 0: through. Sorry. Some of the extra documents they get us to send are quite bulky. Yeah. Just while you're doing that too, so I'm just gonna quickly check the ID that we have on file.\n\nWhen we do any new application, I just need to make sure I can certify it and it hasn't expired. So I'm just having a quick look at the ID that we last did. Yep. So it's\n\nChannel 1: That's\n\nChannel 0: valid\n\nChannel 1: it.\n\nChannel 0: until 2028. So what I'll do oh, sorry. Did I go through\n\nChannel 1: Yeah. That's good. That's you you should have that note.\n\nChannel 0: it then? Yep. Perfect. Thank you very much for that, David. That's come through all the time.\n\nIt should give you a bit of an option to receive a a signed copy in your email.\n\nChannel 1: So I signed up. So do I sign up for free or do we just what do I do with that?\n\nChannel 0: Oh, no. Just ignore that one. You don't have to sign\n\nChannel 1: Buy.\n\nChannel 0: up for anything there.\n\nChannel 1: Sweet.\n\nChannel 0: It's all linked through our CRM system.\n\nChannel 1: Yep.\n\nChannel 0: Alright. So what we would like to do is I'm just gonna get you booked in for the trauma application itself. Now bear in mind, I'll send you through a quote. The quotes have, like, a thirty day expiry on it, so I just wanted to make sure that, a, that you wanted to go ahead with it first before I send it through in case you do sign it and it expires two days later. And do you have any idea when would be a good time to go through that kind of fifteen, twenty minutes personal statement.\n\nChannel 1: With me, look, it it's taking miss Tom just, like like, today. Take a time late in the afternoon, and hopefully, I can I can make it?\n\nChannel 0: Yeah. Perfect. So what I can do if it's easier is I'll send through the the quote today and tomorrow. And then from Monday onwards, I'll just get the team to try and touch base with you in the evening and see if they can catch you one of those days to get that submitted.\n\nChannel 1: Yeah. That sounds good.\n\nChannel 0: Perfect. So what they'll do is, just a heads up, usual insurance applications, they'll talk about health, occupation, details, and things like that. Has there been any health changes for yourself the last twelve months or so?\n\nChannel 1: No.\n\nChannel 0: Perfect. Cool. If anything pops up, they'll pop it back to me. But, again, just keep an eye out for that quote. We'll post you out those beneficiary form, and then someone will be in touch next week to go through that application.\n\nChannel 1: Yep. Not a problem.\n\nChannel 0: Amazing. And last thing, just because it is direct debit, you'll get to put in what details or accounts or cards you would like that to come out of, but they don't debit anything until the policy is actually accepted and enforced.\n\nChannel 1: Yeah. Not a problem.\n\nChannel 0: Perfect.\n\nChannel 1: Could\n\nChannel 0: Now\n\nChannel 1: you\n\nChannel 0: that is quite a bit for forty minutes of an evening.\n\nChannel 1: Just on that, Tom, can you claim that back in on your your tax return? That forty, whatever it is, a week.\n\nChannel 0: No. I wish.\n\nChannel 1: So do\n\nChannel 0: No.\n\nChannel 1: I\n\nChannel 0: The trauma insurance is not tax deductible.\n\nChannel 1: right. So So how much how much is it? What we\n\nChannel 0: I\n\nChannel 1: can\n\nChannel 0: wish it would be.\n\nChannel 1: how much is it again,\n\nChannel 0: Sorry.\n\nChannel 1: sorry?\n\nChannel 0: It is I'll get the exact here for you.\n\nChannel 1: 42,\n\nChannel 0: Forty\n\nChannel 1: isn't it?\n\nChannel 0: $1.89 per month.\n\nChannel 1: Come on. Yeah. No. That's fine.\n\nChannel 0: Is that alright?\n\nChannel 1: Yeah. No. That's perfect.\n\nChannel 0: Awesome. Now I do apologize we have to go through quite a few different areas tonight, but do you have any other questions for me at this time?\n\nChannel 1: No. Not for you. No, Tom. That's good for me. Just in beneficiaries and things, I did I did wanna get across the board.\n\nChannel 0: Oh, yeah. Easy done. I'll get someone to post those out on Monday, I think, is our next postage run.\n\nChannel 1: Yeah. That's\n\nChannel 0: Give\n\nChannel 1: fine.\n\nChannel 0: us a buzz if there's any issues. The person who will likely be giving you a call next week on the evenings will be Jack. He's very good with insurance applications, very fast, doesn't like to waste your time, especially as an evening. But if you do have any questions, he can pop you on to me as well.\n\nChannel 1: Yeah. Not a problem.\n\nChannel 0: Awesome, Dave. Have a fantastic weekend. All the best to you and the family, and, hopefully, I'll talk to you again soon.\n\nChannel 1: Thank you, Tom. Appreciate that.\n\nChannel 0: No worries at all. See you later.\n\nChannel 1: See you, mate. Bye bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.64,"end":1.14,"sentiment":"neutral","sentiment_score":0.03013632819056511}],"sentiment":"neutral","sentiment_score":0.03013632819056511,"channel":1,"num_words":1,"start":0.64,"end":1.14},{"sentences":[{"text":"Good afternoon, David.","start":2.6399999,"end":3.84,"sentiment":"neutral","sentiment_score":0.24852561950683594},{"text":"It's Tommy here, senior adviser of Financial.","start":3.84,"end":6.3199997,"sentiment":"neutral","sentiment_score":0.18484830004828318},{"text":"How are you doing?","start":6.3199997,"end":7.14,"sentiment":"neutral","sentiment_score":0.1846587136387825}],"sentiment":"neutral","sentiment_score":0.19843927238668715,"channel":0,"num_words":14,"start":2.6399999,"end":7.14},{"sentences":[{"text":"Good, miss.","start":7.12,"end":7.68,"sentiment":"positive","sentiment_score":0.46016398072242737},{"text":"Yourself?","start":7.68,"end":8.18,"sentiment":"positive","sentiment_score":0.3983597159385681}],"sentiment":"positive","sentiment_score":0.4395625591278076,"channel":1,"num_words":3,"start":7.12,"end":8.18},{"sentences":[{"text":"I'm living the dream.","start":9.12,"end":10.08,"sentiment":"positive","sentiment_score":0.7207984030246735},{"text":"It's a beautiful week.","start":10.08,"end":11.38,"sentiment":"positive","sentiment_score":0.8276688903570175},{"text":"I've got you booked in for a bit of a catch up for some updated strategies and and a few review points there.","start":12.315,"end":17.755,"sentiment":"positive","sentiment_score":0.3473074475060339},{"text":"Do you still have some time for 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to give you just a quick warning before I go ahead.","start":62.870003,"end":66.285,"sentiment":"neutral","sentiment_score":-0.08423120925823847},{"text":"My three year old broke his leg, so I do have him home with me today.","start":67.165,"end":70.76501,"sentiment":"neutral","sentiment_score":-0.16053880099207163},{"text":"So if you hear a bit annoying, I do apologize.","start":70.76501,"end":72.465004,"sentiment":"neutral","sentiment_score":-0.16240845657885075}],"sentiment":"neutral","sentiment_score":-0.02922915097097961,"channel":0,"num_words":49,"start":60.47,"end":72.465004},{"sentences":[{"text":"That's all good.","start":73.165,"end":74.205,"sentiment":"neutral","sentiment_score":0.17949615170558295},{"text":"All good.","start":74.205,"end":74.945,"sentiment":"neutral","sentiment_score":0.21316227316856384}],"sentiment":"neutral","sentiment_score":0.1929626002907753,"channel":1,"num_words":5,"start":73.165,"end":74.945},{"sentences":[{"text":"He went, oh, you've you've got a 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changes.","start":92.05,"end":102.335,"sentiment":"neutral","sentiment_score":0.1447274658609839},{"text":"And then I just wanna kind of walk you through what I've been researching and the ideas that I'd like to kind of","start":102.395004,"end":108.39,"sentiment":"neutral","sentiment_score":0.10649461768891501}],"sentiment":"neutral","sentiment_score":0.12930017624769294,"channel":0,"num_words":57,"start":92.05,"end":108.39},{"sentences":[{"text":"Yeah.","start":109.715004,"end":110.215004,"sentiment":"neutral","sentiment_score":0.025767263025045395}],"sentiment":"neutral","sentiment_score":0.025767263025045395,"channel":1,"num_words":1,"start":109.715004,"end":110.215004},{"sentences":[{"text":"change.","start":111.03,"end":111.53,"sentiment":"neutral","sentiment_score":0.0863034576177597},{"text":"Perfect.","start":111.67,"end":112.17,"sentiment":"positive","sentiment_score":0.3389008343219757},{"text":"Now when you get that email, it should be listed as open new financial statement 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I've got the I'm assuming the home value has probably changed a little bit, maybe the mortgage, but I've got the two cars and the home listed with the mortgage.","start":447.37,"end":457.355,"sentiment":"neutral","sentiment_score":0.006251178354628988},{"text":"They're about $5.10.","start":458.21503,"end":459.67502,"sentiment":"neutral","sentiment_score":0.008714432207246622}],"sentiment":"neutral","sentiment_score":0.015456591910194783,"channel":0,"num_words":42,"start":445.29,"end":459.67502},{"sentences":[{"text":"Yeah.","start":461.375,"end":461.61502,"sentiment":"neutral","sentiment_score":0.0010808762162923813},{"text":"Well, yeah, the mortgage is yeah.","start":461.61502,"end":462.975,"sentiment":"neutral","sentiment_score":-0.04821808449923992},{"text":"The value is I always be up a bit, but yeah.","start":462.975,"end":468.17502,"sentiment":"neutral","sentiment_score":-0.08369621194221756},{"text":"Because I gotta get hang on, 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doing","start":479.87,"end":484.21,"sentiment":"neutral","sentiment_score":-0.21491713623205821}],"sentiment":"neutral","sentiment_score":-0.20635111551535756,"channel":1,"num_words":19,"start":479.15,"end":484.21},{"sentences":[{"text":"You hit the the twilight period of that sort of 5PM where the sun hits that middle point, and the sun is just gonna be worse than nothing.","start":485.225,"end":491.96503,"sentiment":"negative","sentiment_score":-0.3679605083806174}],"sentiment":"negative","sentiment_score":-0.3679605083806174,"channel":0,"num_words":28,"start":485.225,"end":491.96503},{"sentences":[{"text":"That is.","start":492.375,"end":493.27502,"sentiment":"neutral","sentiment_score":-0.13698025792837143},{"text":"Alright.","start":502.83002,"end":503.23,"sentiment":"neutral","sentiment_score":0.002456811722368002},{"text":"That's a bit better.","start":503.23,"end":503.95,"sentiment":"neutral","sentiment_score":0.013486701995134354},{"text":"So what are we looking at, Tom?","start":503.95,"end":505.49002,"sentiment":"neutral","sentiment_score":0.006091080872075898},{"text":"Main residence.","start":506.11002,"end":506.93002,"sentiment":"neutral","sentiment_score":0.003870769403874874}],"sentiment":"neutral","sentiment_score":-0.010448611952597275,"channel":1,"num_words":16,"start":492.375,"end":506.93002},{"sentences":[{"text":"Yeah.","start":508.46,"end":508.875,"sentiment":"neutral","sentiment_score":0.005339854396879673}],"sentiment":"neutral","sentiment_score":0.005339854396879673,"channel":0,"num_words":1,"start":508.46,"end":508.875},{"sentences":[{"text":"What was that's 9 was that $9.50?","start":509.79,"end":512.21,"sentiment":"neutral","sentiment_score":-0.0038110820044364247}],"sentiment":"neutral","sentiment_score":-0.0038110820044364247,"channel":1,"num_words":7,"start":509.79,"end":512.21},{"sentences":[{"text":"Yeah.","start":513.195,"end":513.595,"sentiment":"neutral","sentiment_score":0.0017494698986411097},{"text":"$9.50 on the main value and $5.10 for the mortgage.","start":513.595,"end":517.375,"sentiment":"neutral","sentiment_score":0.009532116883201524}],"sentiment":"neutral","sentiment_score":0.00882460352096876,"channel":0,"num_words":11,"start":513.195,"end":517.375},{"sentences":[{"text":"Yeah.","start":517.48505,"end":517.885,"sentiment":"neutral","sentiment_score":-0.016348140314221382},{"text":"Well, we're we're hoping the next few weeks now that we have renovations and things finished that we can get someone else to get a proper value.","start":517.885,"end":523.325,"sentiment":"neutral","sentiment_score":0.016652787224976002},{"text":"So we reckon just going off real estate, they say 1.1 to 1.2 at the at the current value.","start":523.325,"end":529.38,"sentiment":"neutral","sentiment_score":-0.014871748948567793},{"text":"But that's not even with the renos.","start":529.54,"end":530.82,"sentiment":"neutral","sentiment_score":-0.16421301237174443},{"text":"That's the old the old house.","start":530.82,"end":532.58,"sentiment":"neutral","sentiment_score":-0.15299653510252634}],"sentiment":"neutral","sentiment_score":-0.03194594020800044,"channel":1,"num_words":60,"start":517.48505,"end":532.58},{"sentences":[{"text":"That's on real estate, that's what it's showing.","start":532.58,"end":535.24,"sentiment":"neutral","sentiment_score":0.0455135318916291}],"sentiment":"neutral","sentiment_score":0.0455135318916291,"channel":1,"num_words":8,"start":532.58,"end":535.24},{"sentences":[{"text":"Perfect.","start":536.635,"end":536.955,"sentiment":"positive","sentiment_score":0.6182295083999634},{"text":"I'll go a bit conservative with it.","start":536.955,"end":538.815,"sentiment":"positive","sentiment_score":0.3665005436965397},{"text":"It doesn't make too much difference for us, but I'll put the one point one one point two there, and, hopefully, that'll give you a nice little boost above that.","start":539.275,"end":546.48,"sentiment":"positive","sentiment_score":0.3939169282714526},{"text":"And the mortgage at $5.10, is that changed?","start":547.19995,"end":549.62,"sentiment":"neutral","sentiment_score":0.023863340727984905}],"sentiment":"neutral","sentiment_score":0.33026408452702605,"channel":0,"num_words":46,"start":536.635,"end":549.62},{"sentences":[{"text":"What she said it was there?","start":550.755,"end":551.79504,"sentiment":"neutral","sentiment_score":-0.0293695783863465},{"text":"No.","start":551.79504,"end":552.03503,"sentiment":"neutral","sentiment_score":-0.23955222964286804},{"text":"It it'll be down I think she said $4,454.50.","start":552.03503,"end":559.56,"sentiment":"neutral","sentiment_score":-0.142596661630604},{"text":"So we because we took","start":560.42,"end":561.78,"sentiment":"neutral","sentiment_score":0.004348055273294449}],"sentiment":"neutral","sentiment_score":-0.07987616086999576,"channel":1,"num_words":21,"start":550.755,"end":561.78},{"sentences":[{"text":"Perfect.","start":561.68,"end":562.155,"sentiment":"neutral","sentiment_score":0.1723465472459793}],"sentiment":"neutral","sentiment_score":0.1723465472459793,"channel":0,"num_words":1,"start":561.68,"end":562.155},{"sentences":[{"text":"70 out for for well, that was two years ago, so we would've been paying that off.","start":561.78,"end":565.38,"sentiment":"neutral","sentiment_score":0.05397617132129038},{"text":"We took 70 out for for the.","start":565.38,"end":567.72003,"sentiment":"neutral","sentiment_score":0.0668806933930942},{"text":"So","start":568.82,"end":569.32,"sentiment":"positive","sentiment_score":0.3754838705062866}],"sentiment":"neutral","sentiment_score":0.0704497454687953,"channel":1,"num_words":25,"start":561.78,"end":569.32},{"sentences":[{"text":"Awesome.","start":569.515,"end":569.99506,"sentiment":"positive","sentiment_score":0.6129989624023438}],"sentiment":"positive","sentiment_score":0.6129989624023438,"channel":0,"num_words":1,"start":569.515,"end":569.99506},{"sentences":[{"text":"but we","start":569.63495,"end":570.375,"sentiment":"neutral","sentiment_score":0.31531380116939545}],"sentiment":"neutral","sentiment_score":0.31531380116939545,"channel":1,"num_words":2,"start":569.63495,"end":570.375},{"sentences":[{"text":"And you've knocked it back down.","start":569.99506,"end":571.29504,"sentiment":"neutral","sentiment_score":0.2767313967148463}],"sentiment":"neutral","sentiment_score":0.2767313967148463,"channel":0,"num_words":6,"start":569.99506,"end":571.29504},{"sentences":[{"text":"yeah.","start":572.035,"end":572.355,"sentiment":"neutral","sentiment_score":0.0960983857512474},{"text":"So we're yeah.","start":572.355,"end":573.39496,"sentiment":"neutral","sentiment_score":0.07658511524399121},{"text":"Because we did wheels and things that we made up wheels there the other day and","start":573.39496,"end":576.035,"sentiment":"neutral","sentiment_score":0.07933146087452769}],"sentiment":"neutral","sentiment_score":0.07975785527378321,"channel":1,"num_words":20,"start":572.035,"end":576.035},{"sentences":[{"text":"Yep.","start":576.02,"end":576.52,"sentiment":"neutral","sentiment_score":0.06896232813596725}],"sentiment":"neutral","sentiment_score":0.06896232813596725,"channel":0,"num_words":1,"start":576.02,"end":576.52},{"sentences":[{"text":"things like that.","start":576.035,"end":576.83496,"sentiment":"neutral","sentiment_score":0.06244197363654772},{"text":"And I think she said $4.40 or $4.50 was was the remaining.","start":576.83496,"end":581.975,"sentiment":"neutral","sentiment_score":0.054274532943964005},{"text":"So, basically, she she she does the mortgage, and I I do the other bills, and that's the way I I yeah.","start":582.29004,"end":587.33,"sentiment":"neutral","sentiment_score":0.12950956347313794},{"text":"She covers that that side of it.","start":587.33,"end":589.35004,"sentiment":"neutral","sentiment_score":0.11860478243657521}],"sentiment":"neutral","sentiment_score":0.10268327703868801,"channel":1,"num_words":44,"start":576.035,"end":589.35004},{"sentences":[{"text":"Yeah.","start":590.26,"end":590.66,"sentiment":"neutral","sentiment_score":0.29497230052948},{"text":"Perfect.","start":590.66,"end":591.14,"sentiment":"positive","sentiment_score":0.6051614284515381},{"text":"Perfect.","start":591.14,"end":591.615,"sentiment":"positive","sentiment_score":0.6676521301269531},{"text":"Good cash flow strategy.","start":591.855,"end":593.15497,"sentiment":"positive","sentiment_score":0.7093865126371384},{"text":"Alright.","start":593.77496,"end":594.175,"sentiment":"positive","sentiment_score":0.3737165927886963}],"sentiment":"positive","sentiment_score":0.5973810628056526,"channel":0,"num_words":8,"start":590.26,"end":594.175},{"sentences":[{"text":"I'll update all that on our system.","start":594.175,"end":595.855,"sentiment":"positive","sentiment_score":0.38739125643457684},{"text":"Thank you so much for that info.","start":595.855,"end":597.395,"sentiment":"positive","sentiment_score":0.7653541479791913},{"text":"If you","start":597.77496,"end":598.095,"sentiment":"neutral","sentiment_score":0.3194882273674011}],"sentiment":"positive","sentiment_score":0.5442621428519487,"channel":0,"num_words":16,"start":594.175,"end":598.095},{"sentences":[{"text":"Yep.","start":598.085,"end":598.585,"sentiment":"neutral","sentiment_score":0.25150972604751587}],"sentiment":"neutral","sentiment_score":0.25150972604751587,"channel":1,"num_words":1,"start":598.085,"end":598.585},{"sentences":[{"text":"can have a swing down for me, just to keep it nice and easy for you, we'll just kind of skip through.","start":598.095,"end":603.77496,"sentiment":"positive","sentiment_score":0.35174536975947296},{"text":"You've got the super on page 10, the risk profile being high growth on page eleven and twelve, and then strategy recommendations on 13, the big wall of text there under a blue title, strategy recommendations.","start":603.77496,"end":617.39996,"sentiment":"neutral","sentiment_score":0.2195721556329065},{"text":"Can you see that one?","start":617.77997,"end":618.705,"sentiment":"neutral","sentiment_score":0.08140731528401375}],"sentiment":"neutral","sentiment_score":0.2547624176811604,"channel":0,"num_words":63,"start":598.095,"end":618.705},{"sentences":[{"text":"Yep.","start":619.22,"end":619.575,"sentiment":"neutral","sentiment_score":-0.031594716012477875},{"text":"That's on 13.","start":620.055,"end":621.03503,"sentiment":"neutral","sentiment_score":0.043027449088792004}],"sentiment":"neutral","sentiment_score":0.024371907813474536,"channel":1,"num_words":4,"start":619.22,"end":621.03503},{"sentences":[{"text":"So, basically, to summarize why we're doing what we're doing with the portfolio is we're trying to reduce the investment fees, improve the performance, get everything sort of back on track for a consistent double digit return across all time periods, not just some of them.","start":621.185,"end":638.44,"sentiment":"positive","sentiment_score":0.5102005354736162},{"text":"And we've also factored in things like any capital gains tax inside the super under the hood when we switch investments around.","start":638.74,"end":647.395,"sentiment":"positive","sentiment_score":0.3465115861459212},{"text":"The only thing that I'm not doing in here is I can't give you that full 22 retirement analysis projection.","start":647.935,"end":655.47504,"sentiment":"neutral","sentiment_score":-0.24418335184454917},{"text":"It's just a little bit too far out because there's so many changes that'll happen in your life.","start":655.615,"end":659.91,"sentiment":"neutral","sentiment_score":-0.3051853995356295},{"text":"We usually just do, like, a ten year projection at this point.","start":660.38995,"end":663.61,"sentiment":"neutral","sentiment_score":-0.11229276470839977}],"sentiment":"neutral","sentiment_score":0.16413527222002966,"channel":0,"num_words":118,"start":621.185,"end":663.61},{"sentences":[{"text":"Yep.","start":665.58,"end":666.08,"sentiment":"neutral","sentiment_score":0.06027507781982422}],"sentiment":"neutral","sentiment_score":0.06027507781982422,"channel":1,"num_words":1,"start":665.58,"end":666.08},{"sentences":[{"text":"Okay?","start":667.99,"end":668.49,"sentiment":"neutral","sentiment_score":0.05249856412410736},{"text":"Now the main thing here, if you skip through, there'll be some alternatives that we looked at.","start":668.62994,"end":674.115,"sentiment":"neutral","sentiment_score":0.08077189041411176},{"text":"The the usual market risk about, you know, you can't control the weather.","start":674.27496,"end":677.65497,"sentiment":"neutral","sentiment_score":-0.03713348135352135},{"text":"Markets go up and down, but we do pick the investments for you.","start":677.71497,"end":681.255,"sentiment":"neutral","sentiment_score":0.1491307925719481},{"text":"If you can go down to page 16, this is where the table start, and just a couple of things I wanted to point out for you.","start":681.555,"end":688.26,"sentiment":"neutral","sentiment_score":0.1875900662055722}],"sentiment":"neutral","sentiment_score":0.11192278217681696,"channel":0,"num_words":71,"start":667.99,"end":688.26},{"sentences":[{"text":"It's actually a pretty","start":689.22003,"end":690.10004,"sentiment":"neutral","sentiment_score":0.26662279292941093}],"sentiment":"neutral","sentiment_score":0.26662279292941093,"channel":0,"num_words":4,"start":689.22003,"end":690.10004},{"sentences":[{"text":"Yep.","start":689.93,"end":690.43,"sentiment":"neutral","sentiment_score":0.19976478815078735}],"sentiment":"neutral","sentiment_score":0.19976478815078735,"channel":1,"num_words":1,"start":689.93,"end":690.43},{"sentences":[{"text":"big investment table.","start":690.10004,"end":691.4,"sentiment":"neutral","sentiment_score":0.19660421709219614},{"text":"Can you see that one there?","start":691.7,"end":692.92,"sentiment":"neutral","sentiment_score":0.11474549770355225}],"sentiment":"neutral","sentiment_score":0.14203173749976689,"channel":0,"num_words":9,"start":690.10004,"end":692.92},{"sentences":[{"text":"Yep.","start":693.13,"end":693.63,"sentiment":"neutral","sentiment_score":0.16307149827480316}],"sentiment":"neutral","sentiment_score":0.16307149827480316,"channel":1,"num_words":1,"start":693.13,"end":693.63},{"sentences":[{"text":"Cool.","start":695.06,"end":695.56,"sentiment":"neutral","sentiment_score":0.26257193088531494},{"text":"So when it comes to the progress of everything, your last review, you were sitting at a 138,000.","start":696.18,"end":703.32,"sentiment":"neutral","sentiment_score":0.14787150443428093},{"text":"As of today, you're at 163,000 when I add in all the cash and everything.","start":703.90497,"end":708.725,"sentiment":"neutral","sentiment_score":0.15567079335451126},{"text":"We've had some some cash from your contributions pulling off to the side, which has been pretty good actually because the stock market had a bit of a crash in March.","start":709.425,"end":718.41,"sentiment":"neutral","sentiment_score":-0.0004109259574644027},{"text":"So when the stock market went down, you missed a big chunk of that, and it kind of only affected you at around about two to 5% instead of seven to 12.","start":719.76996,"end":729.06995,"sentiment":"neutral","sentiment_score":-0.15011895960196853}],"sentiment":"neutral","sentiment_score":0.004564695866759291,"channel":0,"num_words":97,"start":695.06,"end":729.06995},{"sentences":[{"text":"But it's kind of flatlined your your investment return for the year even though your balance has gone up 25.","start":729.44995,"end":736.785,"sentiment":"negative","sentiment_score":-0.3495911002159119},{"text":"That's mainly from your contribution.","start":736.845,"end":738.545,"sentiment":"neutral","sentiment_score":-0.06924105286598206},{"text":"Does that make sense?","start":738.845,"end":739.90497,"sentiment":"neutral","sentiment_score":0.05140065122395754}],"sentiment":"neutral","sentiment_score":-0.24594567806042475,"channel":0,"num_words":29,"start":729.44995,"end":739.90497},{"sentences":[{"text":"Yep.","start":740.44,"end":740.94,"sentiment":"neutral","sentiment_score":0.0659090131521225}],"sentiment":"neutral","sentiment_score":0.0659090131521225,"channel":1,"num_words":1,"start":740.44,"end":740.94},{"sentences":[{"text":"Now in that table, can you see the second last column?","start":742.285,"end":746.15,"sentiment":"neutral","sentiment_score":0.04927695915102959},{"text":"It's probably the the most sort of digit bit I wanna show you.","start":746.29004,"end":749.11,"sentiment":"neutral","sentiment_score":0.08703980251000477},{"text":"Second last column is target weight percentages, and you should see some nice round figures in that column.","start":749.57,"end":755.11,"sentiment":"neutral","sentiment_score":0.20618883261664045}],"sentiment":"neutral","sentiment_score":0.12821340405692658,"channel":0,"num_words":42,"start":742.285,"end":755.11},{"sentences":[{"text":"Which one is that, Moe?","start":758.53503,"end":759.655,"sentiment":"neutral","sentiment_score":0.010048325173556805},{"text":"On page 18 or not the last one?","start":759.655,"end":762.75,"sentiment":"neutral","sentiment_score":-0.004773162887431681}],"sentiment":"neutral","sentiment_score":0.0009274094437177365,"channel":1,"num_words":13,"start":758.53503,"end":762.75},{"sentences":[{"text":"So 16 page 16","start":762.86505,"end":764.54504,"sentiment":"neutral","sentiment_score":0.005116194486618042}],"sentiment":"neutral","sentiment_score":0.005116194486618042,"channel":0,"num_words":4,"start":762.86505,"end":764.54504},{"sentences":[{"text":"Alright.","start":764.17,"end":764.67,"sentiment":"neutral","sentiment_score":0.04503815993666649}],"sentiment":"neutral","sentiment_score":0.04503815993666649,"channel":1,"num_words":1,"start":764.17,"end":764.67},{"sentences":[{"text":"still.","start":764.54504,"end":765.04504,"sentiment":"neutral","sentiment_score":0.05292686820030213},{"text":"We've got the second last column as target weight percentage, and you'll see, like, seven percent zero seven zero, and it kinda just goes down the 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again.","start":777.675,"end":778.255,"sentiment":"neutral","sentiment_score":0.10970969498157501}],"sentiment":"neutral","sentiment_score":0.10970969498157501,"channel":1,"num_words":2,"start":777.675,"end":778.255},{"sentences":[{"text":"doing here is a a two factor strategy.","start":778.04004,"end":781.34,"sentiment":"neutral","sentiment_score":0.1830146312713623},{"text":"So we do a rebalance, which anything that's kind of going up to, you know, 32.1% and this one's going down to 17.4, we just bring those back to the middle again, kind of buy low to sell high.","start":781.72003,"end":795.125,"sentiment":"neutral","sentiment_score":0.14501330189597914},{"text":"Take some profits from this one, rebalance all your investments.","start":795.185,"end":798.485,"sentiment":"positive","sentiment_score":0.4191922426223755},{"text":"At the same time, all of the ones that have a zero in that column, I'm switching out.","start":799.13995,"end":804.6,"sentiment":"neutral","sentiment_score":0.03156426652438111},{"text":"So the option in the second row was doing kind of average last year.","start":805.13995,"end":811.16,"sentiment":"neutral","sentiment_score":-0.003178892657160759}],"sentiment":"neutral","sentiment_score":0.13297989382670167,"channel":0,"num_words":89,"start":778.04004,"end":811.16},{"sentences":[{"text":"It still hasn't kind of recovered, so we're removing that one along with a bit of exposure to Europe and Japan in the middle.","start":811.345,"end":819.845,"sentiment":"neutral","sentiment_score":-0.14940793874363104},{"text":"And at the bottom, those bottom four or five, these are the options that we're adding into the portfolio.","start":820.305,"end":827.24005,"sentiment":"neutral","sentiment_score":0.12380109021538183},{"text":"So for your defensive portion, we're putting some of the cash into some bonds, which are kind of safer.","start":827.38,"end":835.4,"sentiment":"neutral","sentiment_score":0.16418944769784025},{"text":"They're fixed interest.","start":835.54004,"end":836.58,"sentiment":"neutral","sentiment_score":0.21687792241573334},{"text":"They get a higher return in cash, but they're not risky like the stock market.","start":836.58,"end":840.725,"sentiment":"neutral","sentiment_score":0.17656771689653397}],"sentiment":"neutral","sentiment_score":0.06481474013999104,"channel":0,"num_words":80,"start":811.345,"end":840.725},{"sentences":[{"text":"Whereas everything else above that, these are all of your replacements for those options.","start":840.865,"end":845.605,"sentiment":"neutral","sentiment_score":0.19390185177326202},{"text":"So the Radia 200, the Raffi 200, they're essentially a low fee replacement of the previous option, much better performance over one, three, five, and ten years.","start":846.14496,"end":859.74,"sentiment":"positive","sentiment_score":0.49071712847109195}],"sentiment":"positive","sentiment_score":0.38936557057427196,"channel":0,"num_words":41,"start":840.865,"end":859.74},{"sentences":[{"text":"Yeah.","start":862.20496,"end":862.53,"sentiment":"neutral","sentiment_score":0.09111635386943816}],"sentiment":"neutral","sentiment_score":0.09111635386943816,"channel":1,"num_words":1,"start":862.20496,"end":862.53},{"sentences":[{"text":"The only other thing of note is we have mixed in a little bit of India in there just because of a bit of manufacturing going from China to India.","start":864.92,"end":871.905,"sentiment":"neutral","sentiment_score":0.007192383209864299},{"text":"It's a bit more of a long term play over the next five years or so, but only a small portion.","start":871.965,"end":876.865,"sentiment":"neutral","sentiment_score":0.008594667539000511}],"sentiment":"neutral","sentiment_score":0.007769794404214504,"channel":0,"num_words":51,"start":864.92,"end":876.865},{"sentences":[{"text":"Yeah.","start":877.57,"end":877.89,"sentiment":"neutral","sentiment_score":0.1837049424648285},{"text":"Real.","start":877.89,"end":878.265,"sentiment":"neutral","sentiment_score":0.2697461247444153}],"sentiment":"neutral","sentiment_score":0.2267255336046219,"channel":1,"num_words":2,"start":877.57,"end":878.265},{"sentences":[{"text":"Cool.","start":880.045,"end":880.47,"sentiment":"positive","sentiment_score":0.49833089113235474},{"text":"Now if you go down, the main thing I wanted to show you was page 18 with that pie chart that you would have seen with the colors on it.","start":880.55,"end":887.93,"sentiment":"neutral","sentiment_score":0.12003018359343211}],"sentiment":"neutral","sentiment_score":0.13223343222371994,"channel":0,"num_words":31,"start":880.045,"end":887.93},{"sentences":[{"text":"Yeah.","start":888.185,"end":888.685,"sentiment":"neutral","sentiment_score":-0.006631181109696627}],"sentiment":"neutral","sentiment_score":-0.006631181109696627,"channel":1,"num_words":1,"start":888.185,"end":888.685},{"sentences":[{"text":"So for your high growth risk profile, you need to be sitting between 90 to a 100% growth asset because we've been pulling some cash off to the side while the market was kind of going down.","start":889.99,"end":900.965,"sentiment":"neutral","sentiment_score":-0.09302478837403091},{"text":"You're sitting at 84%.","start":901.025,"end":902.72504,"sentiment":"neutral","sentiment_score":0.02131393481977284},{"text":"We're essentially gonna redeploy that into the fixed interest, and that'll bring you back up to about 92 and get you into all the different areas, gold, shares, and safer assets, and just keep you in line with that risk profile.","start":903.10504,"end":918.32,"sentiment":"neutral","sentiment_score":0.27952421293026064}],"sentiment":"neutral","sentiment_score":0.09882721097049553,"channel":0,"num_words":82,"start":889.99,"end":918.32},{"sentences":[{"text":"Yeah.","start":919.73004,"end":920.23004,"sentiment":"neutral","sentiment_score":0.00685327872633934}],"sentiment":"neutral","sentiment_score":0.00685327872633934,"channel":1,"num_words":1,"start":919.73004,"end":920.23004},{"sentences":[{"text":"The reminder there, though, is that the high growth is to try and get the high returns over five, ten years.","start":921.83496,"end":927.615,"sentiment":"neutral","sentiment_score":0.010167121709812255},{"text":"Once we have built the balance up, like I said previously, we do have to reduce it down.","start":928.235,"end":933.27496,"sentiment":"neutral","sentiment_score":-0.2001312350233396},{"text":"It's up to be 64, lose half your super business top market crashes a year before you go to retire.","start":933.27496,"end":939.21,"sentiment":"negative","sentiment_score":-0.37016685754060746},{"text":"Now if you swing past there, I've updated a couple of little projections there for you as well on pages nineteen and twenty.","start":943.43,"end":950.97,"sentiment":"neutral","sentiment_score":0.009628517269764257},{"text":"You should see a fee comparison table where it says current and recommended and different.","start":951.285,"end":955.945,"sentiment":"neutral","sentiment_score":0.024221454560756684}],"sentiment":"neutral","sentiment_score":-0.10523105267742552,"channel":0,"num_words":97,"start":921.83496,"end":955.945},{"sentences":[{"text":"Which one?","start":960.605,"end":961.085,"sentiment":"neutral","sentiment_score":-0.012039526365697384},{"text":"Sorry?","start":961.085,"end":961.585,"sentiment":"neutral","sentiment_score":-0.0311275627464056}],"sentiment":"neutral","sentiment_score":-0.01840220515926679,"channel":1,"num_words":3,"start":960.605,"end":961.585},{"sentences":[{"text":"We're looking at page 19, and you should see","start":963.76495,"end":967.79,"sentiment":"neutral","sentiment_score":-0.008904853732221656}],"sentiment":"neutral","sentiment_score":-0.008904853732221656,"channel":0,"num_words":9,"start":963.76495,"end":967.79},{"sentences":[{"text":"Oh,","start":967.77997,"end":968.27997,"sentiment":"neutral","sentiment_score":-0.006913251709192991}],"sentiment":"neutral","sentiment_score":-0.006913251709192991,"channel":1,"num_words":1,"start":967.77997,"end":968.27997},{"sentences":[{"text":"a fee comparison 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goes yep.","start":970.19,"end":972.21,"sentiment":"neutral","sentiment_score":-0.0032187014197309813},{"text":"Now if you go on the right hand side, the difference at the top right can you see the minus 1,000 up there on the top right?","start":972.35,"end":978.765,"sentiment":"neutral","sentiment_score":0.0007834887063061749}],"sentiment":"neutral","sentiment_score":0.00038326969370245935,"channel":0,"num_words":30,"start":970.19,"end":978.765},{"sentences":[{"text":"Yeah.","start":979.46,"end":979.96,"sentiment":"neutral","sentiment_score":0.017634036019444466}],"sentiment":"neutral","sentiment_score":0.017634036019444466,"channel":1,"num_words":1,"start":979.46,"end":979.96},{"sentences":[{"text":"So that's essentially any, like, brokerage fees to purchase the investments, which we use all the ETFs.","start":981.325,"end":988.925,"sentiment":"neutral","sentiment_score":0.07394672667278963},{"text":"So they're very, very cheap for the whole time you hold them, but you spend a little bit to buy them up front.","start":988.925,"end":994.93,"sentiment":"neutral","sentiment_score":0.20101903670507928},{"text":"And that's also capital gains tax under the hood as well.","start":995.55,"end":998.77,"sentiment":"neutral","sentiment_score":0.056186987425793304},{"text":"With the investments, though, we've been able to half the investment fee.","start":999.07,"end":1002.53,"sentiment":"positive","sentiment_score":0.33947119240959484},{"text":"So that'll save you $520 a year.","start":1002.67,"end":1005.525,"sentiment":"positive","sentiment_score":0.45378653492246357}],"sentiment":"neutral","sentiment_score":0.19641070161014795,"channel":0,"num_words":70,"start":981.325,"end":1005.525},{"sentences":[{"text":"And as your balance grows, because it's a percentage savings, that'll just compound and compound over the years bigger and bigger as well.","start":1005.60504,"end":1013.30505,"sentiment":"positive","sentiment_score":0.33484726561152417}],"sentiment":"positive","sentiment_score":0.33484726561152417,"channel":0,"num_words":23,"start":1005.60504,"end":1013.30505},{"sentences":[{"text":"Yes.","start":1015.755,"end":1016.255,"sentiment":"positive","sentiment_score":0.3875530064105987}],"sentiment":"positive","sentiment_score":0.3875530064105987,"channel":1,"num_words":1,"start":1015.755,"end":1016.255},{"sentences":[{"text":"The bottom row of that table, we're bringing the five year performance average back up from that kind of six and a half percent back up to around 12.","start":1017.525,"end":1026.49,"sentiment":"positive","sentiment_score":0.4658887581578616},{"text":"Like I said before, we need to have it consistently above 10%.","start":1026.63,"end":1030.89,"sentiment":"neutral","sentiment_score":0.3172035403549671}],"sentiment":"positive","sentiment_score":0.4223711334350633,"channel":0,"num_words":41,"start":1017.525,"end":1030.89},{"sentences":[{"text":"Mhmm.","start":1032.17,"end":1032.67,"sentiment":"neutral","sentiment_score":0.03484787791967392}],"sentiment":"neutral","sentiment_score":0.03484787791967392,"channel":1,"num_words":1,"start":1032.17,"end":1032.67},{"sentences":[{"text":"Projection down below.","start":1035.065,"end":1036.205,"sentiment":"neutral","sentiment_score":0.015550551936030388},{"text":"So there's a combination of the investment switches and some contribution advice as well.","start":1036.345,"end":1043.005,"sentiment":"neutral","sentiment_score":0.16729759957109178},{"text":"And bit of grain of salt, of course, but over five and ten years, we're expecting it to go from 90 to 200,000 difference over five and ten years.","start":1043.385,"end":1053.1799,"sentiment":"neutral","sentiment_score":0.07514631343555861}],"sentiment":"neutral","sentiment_score":0.09930567694422991,"channel":0,"num_words":46,"start":1035.065,"end":1053.1799},{"sentences":[{"text":"Yep.","start":1054.86,"end":1055.36,"sentiment":"neutral","sentiment_score":0.20006924867630005}],"sentiment":"neutral","sentiment_score":0.20006924867630005,"channel":1,"num_words":1,"start":1054.86,"end":1055.36},{"sentences":[{"text":"Swing over to the next page, last couple of things to show you is the performance table.","start":1057.1599,"end":1062.7,"sentiment":"neutral","sentiment_score":0.16996730601086335},{"text":"And what I really wanted to show you here was on the left hand side, you can see it kind of bounces around between 1% here, 10% there, 6% here, whereas with the new portfolio, it's consistently in the double digits across all periods.","start":1063.0,"end":1076.925,"sentiment":"neutral","sentiment_score":0.22062760625373234},{"text":"Basically, a couple of the options that we switched out, they're a little bit too, I guess, volatile.","start":1080.185,"end":1085.15,"sentiment":"neutral","sentiment_score":-0.06142430887040165},{"text":"Some years they're going fantastic.","start":1085.6101,"end":1087.0701,"sentiment":"neutral","sentiment_score":0.21277220249176027},{"text":"Some years they're going very, very poorly.","start":1087.2101,"end":1089.0701,"sentiment":"neutral","sentiment_score":-0.2458287477493286}],"sentiment":"neutral","sentiment_score":0.11906023182302386,"channel":0,"num_words":91,"start":1057.1599,"end":1089.0701},{"sentences":[{"text":"And I just wanted to get it a little bit more consistent year on year for you, mainly with some some passive low fee options.","start":1089.29,"end":1096.905,"sentiment":"positive","sentiment_score":0.3989548099040985},{"text":"They're a little bit more consistent.","start":1096.985,"end":1097.805,"sentiment":"positive","sentiment_score":0.398810014128685}],"sentiment":"positive","sentiment_score":0.3989267849153088,"channel":0,"num_words":31,"start":1089.29,"end":1097.805},{"sentences":[{"text":"Yeah.","start":1099.9451,"end":1100.25,"sentiment":"neutral","sentiment_score":0.16406969726085663}],"sentiment":"neutral","sentiment_score":0.16406969726085663,"channel":1,"num_words":1,"start":1099.9451,"end":1100.25},{"sentences":[{"text":"Now we did have a bit of a chat around the the salary sacrifice side of things, and you were thinking of kind of increasing it a little bit from a 150 to $2.40 a week.","start":1100.8251,"end":1113.15,"sentiment":"neutral","sentiment_score":0.0954526648339298},{"text":"That's before tax.","start":1113.15,"end":1114.37,"sentiment":"neutral","sentiment_score":0.06543468435605367},{"text":"Bear in mind, it only impacts your 70¢ on the dollar.","start":1115.0701,"end":1118.53,"sentiment":"neutral","sentiment_score":0.05558721199631691},{"text":"But, realistically, just wanna be guided by you.","start":1118.67,"end":1122.03,"sentiment":"neutral","sentiment_score":0.1985146775841713},{"text":"I mean, given all everything you've got going on with with family and 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don't","start":1144.705,"end":1145.345,"sentiment":"neutral","sentiment_score":0.01844066722939412}],"sentiment":"neutral","sentiment_score":0.11633030333202975,"channel":1,"num_words":58,"start":1127.46,"end":1145.345},{"sentences":[{"text":"K.","start":1145.1699,"end":1145.49,"sentiment":"neutral","sentiment_score":-0.023162366822361943}],"sentiment":"neutral","sentiment_score":-0.023162366822361943,"channel":0,"num_words":1,"start":1145.1699,"end":1145.49},{"sentences":[{"text":"go","start":1145.345,"end":1145.505,"sentiment":"neutral","sentiment_score":0.005184724926948547}],"sentiment":"neutral","sentiment_score":0.005184724926948547,"channel":1,"num_words":1,"start":1145.345,"end":1145.505},{"sentences":[{"text":"So","start":1145.49,"end":1145.8099,"sentiment":"neutral","sentiment_score":0.024386286735534668}],"sentiment":"neutral","sentiment_score":0.024386286735534668,"channel":0,"num_words":1,"start":1145.49,"end":1145.8099},{"sentences":[{"text":"over 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again","start":1146.21,"end":1149.09,"sentiment":"neutral","sentiment_score":0.0826455995440483}],"sentiment":"neutral","sentiment_score":0.0826455995440483,"channel":0,"num_words":5,"start":1146.21,"end":1149.09},{"sentences":[{"text":"oh,","start":1148.705,"end":1149.205,"sentiment":"neutral","sentiment_score":0.07542208582162857}],"sentiment":"neutral","sentiment_score":0.07542208582162857,"channel":1,"num_words":1,"start":1148.705,"end":1149.205},{"sentences":[{"text":"for this financial year, do you think?","start":1149.09,"end":1150.755,"sentiment":"neutral","sentiment_score":-0.002028195985725948}],"sentiment":"neutral","sentiment_score":-0.002028195985725948,"channel":0,"num_words":7,"start":1149.09,"end":1150.755},{"sentences":[{"text":"I don't know.","start":1151.1849,"end":1151.825,"sentiment":"neutral","sentiment_score":-0.2555481394131978},{"text":"There's a lot of there's a lot of things going on at work at the moment, so I don't I don't know.","start":1151.825,"end":1156.4299,"sentiment":"neutral","sentiment_score":-0.25689445876262407},{"text":"They're they've they've merged with another company, and and it's not as successful as what the merge was supposed to be.","start":1159.21,"end":1165.665,"sentiment":"negative","sentiment_score":-0.5282208649885087}],"sentiment":"negative","sentiment_score":-0.38067305816904357,"channel":1,"num_words":46,"start":1151.1849,"end":1165.665},{"sentences":[{"text":"Right.","start":1165.65,"end":1166.15,"sentiment":"neutral","sentiment_score":-0.24532881379127505}],"sentiment":"neutral","sentiment_score":-0.24532881379127505,"channel":0,"num_words":1,"start":1165.65,"end":1166.15},{"sentences":[{"text":"So there's a lot of issues going on.","start":1166.145,"end":1169.5851,"sentiment":"negative","sentiment_score":-0.3758123777806759},{"text":"So I I don't 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100,000.","start":1453.7101,"end":1459.2251,"sentiment":"positive","sentiment_score":0.33779208945191425},{"text":"And it's just a bit of a trick of the trade that if you have life insurance linked trauma insurance, it's cheaper than just having the trauma by itself.","start":1459.525,"end":1467.305,"sentiment":"neutral","sentiment_score":0.2293424755334854}],"sentiment":"neutral","sentiment_score":0.2773105739974059,"channel":0,"num_words":52,"start":1453.7101,"end":1467.305},{"sentences":[{"text":"Yes.","start":1470.025,"end":1470.525,"sentiment":"neutral","sentiment_score":0.17517000436782837}],"sentiment":"neutral","sentiment_score":0.17517000436782837,"channel":1,"num_words":1,"start":1470.025,"end":1470.525},{"sentences":[{"text":"So they were saying the price would be around about 37 to $41 per month because it's the only cover you can have that has to be out of pocket.","start":1470.5651,"end":1480.83,"sentiment":"neutral","sentiment_score":0.11782431875665983},{"text":"It can't be through super.","start":1480.83,"end":1482.29,"sentiment":"neutral","sentiment_score":-0.06202634423971176},{"text":"So I was trying to put a limit on it of below $50 a month, and I just wanted to run it by you as an idea that if we put in place this policy here, most of it looks pretty good from a pricing standpoint, $41 a month on the quote.","start":1482.83,"end":1498.71,"sentiment":"neutral","sentiment_score":0.3284198876756888},{"text":"And as far as the permanent residency visa status go, can you see a bit of a box below there in blue where it says exclusion and loading?","start":1499.6699,"end":1509.37,"sentiment":"neutral","sentiment_score":0.03645103072215404},{"text":"It just","start":1509.83,"end":1510.23,"sentiment":"neutral","sentiment_score":-0.0021540606394410133}],"sentiment":"neutral","sentiment_score":0.1822115618767392,"channel":0,"num_words":117,"start":1470.5651,"end":1510.23},{"sentences":[{"text":"Yep.","start":1510.16,"end":1510.66,"sentiment":"neutral","sentiment_score":0.012731313705444336}],"sentiment":"neutral","sentiment_score":0.012731313705444336,"channel":1,"num_words":1,"start":1510.16,"end":1510.66},{"sentences":[{"text":"explains what a residency exclusion","start":1510.23,"end":1512.3451,"sentiment":"neutral","sentiment_score":-0.0036857564002275465}],"sentiment":"neutral","sentiment_score":-0.0036857564002275465,"channel":0,"num_words":5,"start":1510.23,"end":1512.3451},{"sentences":[{"text":"But this in so this is only","start":1515.765,"end":1517.925,"sentiment":"neutral","sentiment_score":-0.03337073538984571}],"sentiment":"neutral","sentiment_score":-0.03337073538984571,"channel":1,"num_words":7,"start":1515.765,"end":1517.925},{"sentences":[{"text":"is.","start":1517.685,"end":1518.185,"sentiment":"neutral","sentiment_score":-0.02654743753373623}],"sentiment":"neutral","sentiment_score":-0.02654743753373623,"channel":0,"num_words":1,"start":1517.685,"end":1518.185},{"sentences":[{"text":"for trauma and license trauma.","start":1517.925,"end":1521.525,"sentiment":"neutral","sentiment_score":-0.008311045914888382},{"text":"Is it?","start":1521.525,"end":1522.1051,"sentiment":"neutral","sentiment_score":0.02025810070335865}],"sentiment":"neutral","sentiment_score":-0.0001484325953892299,"channel":1,"num_words":7,"start":1517.925,"end":1522.1051},{"sentences":[{"text":"Yeah.","start":1523.525,"end":1523.765,"sentiment":"neutral","sentiment_score":0.03605341166257858},{"text":"So you've already got the existing.","start":1523.765,"end":1525.285,"sentiment":"neutral","sentiment_score":0.03931784008940061},{"text":"I'm just gonna flick back up to the top for a second just to give you the the right details here.","start":1525.285,"end":1530.5499,"sentiment":"neutral","sentiment_score":0.06108977024753889},{"text":"So your towel cover gives you the life insurance and the disability insurance that you already have.","start":1531.17,"end":1537.4299,"sentiment":"neutral","sentiment_score":0.15878168975605683},{"text":"This one is essentially us getting you the trauma cover.","start":1537.73,"end":1540.79,"sentiment":"neutral","sentiment_score":0.17449176162481309}],"sentiment":"neutral","sentiment_score":0.1090736721726981,"channel":0,"num_words":55,"start":1523.525,"end":1540.79},{"sentences":[{"text":"Yeah.","start":1542.625,"end":1543.125,"sentiment":"neutral","sentiment_score":-0.02319394052028656}],"sentiment":"neutral","sentiment_score":-0.02319394052028656,"channel":1,"num_words":1,"start":1542.625,"end":1543.125},{"sentences":[{"text":"So life insurance if you pass away, EPD if you can never work again, trauma is based on a diagnosis.","start":1543.595,"end":1550.975,"sentiment":"neutral","sentiment_score":-0.2597042791545391},{"text":"If you get a diagnosis of, hey.","start":1551.595,"end":1553.6749,"sentiment":"neutral","sentiment_score":-0.12297450112445014},{"text":"You've had a heart attack, stroke.","start":1553.6749,"end":1555.12,"sentiment":"neutral","sentiment_score":-0.16449837386608124},{"text":"You've got a certain type of cancer, organ failure, any sort of severe disease with a really strange Latin name, like bacterial meningitis or anything like that, they basically just give you a lump sum payment to go towards medical expenses in time with the family and so on.","start":1555.12,"end":1573.485,"sentiment":"neutral","sentiment_score":-0.09235231095582855},{"text":"So that was something that we had talked about.","start":1573.7051,"end":1576.8451,"sentiment":"neutral","sentiment_score":0.04139891763528188}],"sentiment":"neutral","sentiment_score":-0.12301725617886244,"channel":0,"num_words":91,"start":1543.595,"end":1576.8451},{"sentences":[{"text":"It's possible to get.","start":1577.145,"end":1578.3451,"sentiment":"neutral","sentiment_score":0.19170276075601578},{"text":"You can only claim on it if you're still, you know, residing in Australia at the time.","start":1578.3451,"end":1582.905,"sentiment":"neutral","sentiment_score":0.004203995361047632},{"text":"That's the exclusion based on citizenship and so on.","start":1582.905,"end":1587.0499,"sentiment":"neutral","sentiment_score":-0.2753546867105696},{"text":"But I just","start":1587.35,"end":1588.07,"sentiment":"neutral","sentiment_score":-0.08597325036923091}],"sentiment":"neutral","sentiment_score":-0.057510089919422615,"channel":0,"num_words":33,"start":1577.145,"end":1588.07},{"sentences":[{"text":"Mhmm.","start":1587.8701,"end":1588.3701,"sentiment":"neutral","sentiment_score":-0.04111403599381447}],"sentiment":"neutral","sentiment_score":-0.04111403599381447,"channel":1,"num_words":1,"start":1587.8701,"end":1588.3701},{"sentences":[{"text":"wanted to run this one by you.","start":1588.07,"end":1589.7699,"sentiment":"neutral","sentiment_score":0.05572216532060078}],"sentiment":"neutral","sentiment_score":0.05572216532060078,"channel":0,"num_words":7,"start":1588.07,"end":1589.7699},{"sentences":[{"text":"Yeah.","start":1589.9501,"end":1590.1901,"sentiment":"neutral","sentiment_score":0.09137268364429474},{"text":"Yeah.","start":1590.1901,"end":1590.43,"sentiment":"neutral","sentiment_score":0.08107057213783264},{"text":"Yeah.","start":1590.43,"end":1590.67,"sentiment":"neutral","sentiment_score":0.05548044294118881},{"text":"No.","start":1590.67,"end":1590.8301,"sentiment":"neutral","sentiment_score":-0.013842370361089706},{"text":"That's 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originally.","start":1602.7949,"end":1614.62,"sentiment":"neutral","sentiment_score":0.2087968983170059}],"sentiment":"neutral","sentiment_score":0.2067783111232822,"channel":0,"num_words":59,"start":1593.4299,"end":1614.62},{"sentences":[{"text":"Yeah.","start":1615.81,"end":1615.995,"sentiment":"neutral","sentiment_score":0.2419395446777344}],"sentiment":"neutral","sentiment_score":0.2419395446777344,"channel":1,"num_words":1,"start":1615.81,"end":1615.995},{"sentences":[{"text":"Cool.","start":1620.6,"end":1621.1,"sentiment":"positive","sentiment_score":0.37007805705070496},{"text":"Now through the rest of that document, we've got beneficiary nominations, which they're all sorted for the Netwealth, but it was really just to tell life insurance.","start":1622.44,"end":1632.4349,"sentiment":"neutral","sentiment_score":0.23465748462412092},{"text":"And because we're attaching life insurance to the trauma, we can do a nomination on that as well for the Zurich cover once it's applied for.","start":1632.575,"end":1642.4501,"sentiment":"neutral","sentiment_score":0.2697778968856885},{"text":"So I was basically just gonna send some form through so that we could get your partner nominated across all the super the insurances,","start":1642.5901,"end":1650.13,"sentiment":"neutral","sentiment_score":0.23003513490160307}],"sentiment":"neutral","sentiment_score":0.2466781884431839,"channel":0,"num_words":78,"start":1620.6,"end":1650.13},{"sentences":[{"text":"Yeah.","start":1650.025,"end":1650.265,"sentiment":"neutral","sentiment_score":0.18721641600131989},{"text":"That's","start":1650.265,"end":1650.765,"sentiment":"neutral","sentiment_score":0.21012340486049652}],"sentiment":"neutral","sentiment_score":0.1986699104309082,"channel":1,"num_words":2,"start":1650.025,"end":1650.765},{"sentences":[{"text":"everything, 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three line up.","start":1652.03,"end":1653.3301,"sentiment":"neutral","sentiment_score":0.2560892328619957}],"sentiment":"neutral","sentiment_score":0.2560892328619957,"channel":0,"num_words":4,"start":1652.03,"end":1653.3301},{"sentences":[{"text":"yeah.","start":1653.7051,"end":1654.025,"sentiment":"neutral","sentiment_score":0.09941942989826202},{"text":"That's something we were we were speaking about during making the wheel a few weeks back.","start":1654.025,"end":1657.63,"sentiment":"neutral","sentiment_score":0.07225585589185357},{"text":"I didn't I wasn't sure whether I had it done or not.","start":1657.77,"end":1659.6901,"sentiment":"neutral","sentiment_score":-0.0715193406989177},{"text":"So I knew your call was today.","start":1659.6901,"end":1661.61,"sentiment":"neutral","sentiment_score":0.044903655137334554},{"text":"I wanted to discuss 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Which","start":1717.64,"end":1722.645,"sentiment":"neutral","sentiment_score":-0.16336184479296206}],"sentiment":"neutral","sentiment_score":-0.16336184479296206,"channel":1,"num_words":10,"start":1717.64,"end":1722.645},{"sentences":[{"text":"Fair","start":1722.405,"end":1722.645,"sentiment":"neutral","sentiment_score":-0.006444253027439117}],"sentiment":"neutral","sentiment_score":-0.006444253027439117,"channel":0,"num_words":1,"start":1722.405,"end":1722.645},{"sentences":[{"text":"is","start":1722.645,"end":1722.885,"sentiment":"neutral","sentiment_score":-0.13375282287597656}],"sentiment":"neutral","sentiment_score":-0.13375282287597656,"channel":1,"num_words":1,"start":1722.645,"end":1722.885},{"sentences":[{"text":"enough.","start":1722.645,"end":1723.145,"sentiment":"neutral","sentiment_score":0.014524638652801514}],"sentiment":"neutral","sentiment_score":0.014524638652801514,"channel":0,"num_words":1,"start":1722.645,"end":1723.145},{"sentences":[{"text":"nothing 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that?","start":1742.425,"end":1743.645,"sentiment":"neutral","sentiment_score":0.12784488797187804}],"sentiment":"neutral","sentiment_score":0.21781784761697054,"channel":0,"num_words":40,"start":1729.8401,"end":1743.645},{"sentences":[{"text":"Yeah.","start":1743.85,"end":1744.09,"sentiment":"neutral","sentiment_score":0.11571140587329865},{"text":"Yeah.","start":1744.09,"end":1744.4099,"sentiment":"neutral","sentiment_score":0.16211506724357605},{"text":"Yeah.","start":1744.4099,"end":1744.9099,"sentiment":"neutral","sentiment_score":0.28066980838775635}],"sentiment":"neutral","sentiment_score":0.18616542716821036,"channel":1,"num_words":3,"start":1743.85,"end":1744.9099},{"sentences":[{"text":"Cool.","start":1746.505,"end":1747.005,"sentiment":"positive","sentiment_score":0.4302999675273895},{"text":"And I can prefill those options on the forms as well.","start":1747.4651,"end":1751.165,"sentiment":"neutral","sentiment_score":0.3204122686927969},{"text":"I can also put Andrea's details on there if you like, unless you'd be comfortable just to write that in the boxes.","start":1751.2251,"end":1757.5,"sentiment":"neutral","sentiment_score":0.13696569204330444}],"sentiment":"neutral","sentiment_score":0.20494353376767216,"channel":0,"num_words":34,"start":1746.505,"end":1757.5},{"sentences":[{"text":"If you want to put entry details, yeah, while you're doing it.","start":1759.3049,"end":1762.125,"sentiment":"neutral","sentiment_score":0.08814100082963705},{"text":"Yeah.","start":1763.225,"end":1763.725,"sentiment":"neutral","sentiment_score":0.2063448131084442}],"sentiment":"neutral","sentiment_score":0.09723360177416068,"channel":1,"num_words":13,"start":1759.3049,"end":1763.725},{"sentences":[{"text":"Cool.","start":1764.04,"end":1764.54,"sentiment":"neutral","sentiment_score":0.3026553988456726},{"text":"Yeah.","start":1764.76,"end":1765.0,"sentiment":"neutral","sentiment_score":0.1931198239326477},{"text":"Just because it is a legal document, I'll ask you some questions that have already half answered before.","start":1765.0,"end":1769.8201,"sentiment":"neutral","sentiment_score":0.19000765101777184},{"text":"Just for for Andrew's full name and maiden name as well.","start":1770.4551,"end":1774.395,"sentiment":"neutral","sentiment_score":0.1299922987818718}],"sentiment":"neutral","sentiment_score":0.17244607186125172,"channel":0,"num_words":31,"start":1764.04,"end":1774.395},{"sentences":[{"text":"Yep.","start":1774.8301,"end":1775.3301,"sentiment":"neutral","sentiment_score":0.04907844215631485},{"text":"So it's Andrea Dinnehy.","start":1777.31,"end":1779.335,"sentiment":"neutral","sentiment_score":0.03551665507256985},{"text":"Or sorry.","start":1780.675,"end":1781.235,"sentiment":"neutral","sentiment_score":0.01638334710150957},{"text":"Her maiden name is Andrea 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did you 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alright?","start":2503.09,"end":2503.875,"sentiment":"neutral","sentiment_score":0.026357213656107586}],"sentiment":"neutral","sentiment_score":0.026357213656107586,"channel":0,"num_words":3,"start":2503.09,"end":2503.875},{"sentences":[{"text":"Yeah.","start":2504.145,"end":2504.465,"sentiment":"neutral","sentiment_score":-0.00014710985124111176},{"text":"No.","start":2504.465,"end":2504.625,"sentiment":"neutral","sentiment_score":-0.041867416352033615},{"text":"That's perfect.","start":2504.625,"end":2505.365,"sentiment":"neutral","sentiment_score":0.32884417474269867}],"sentiment":"neutral","sentiment_score":0.15391845582053065,"channel":1,"num_words":4,"start":2504.145,"end":2505.365},{"sentences":[{"text":"Awesome.","start":2507.795,"end":2508.295,"sentiment":"neutral","sentiment_score":0.006173909641802311},{"text":"Now I do apologize we have to go through quite a few different areas tonight, but do you have any other questions for me at this time?","start":2508.995,"end":2514.855,"sentiment":"neutral","sentiment_score":-0.02382343310724806}],"sentiment":"neutral","sentiment_score":-0.022752099437639117,"channel":0,"num_words":28,"start":2507.795,"end":2514.855},{"sentences":[{"text":"No.","start":2514.95,"end":2515.27,"sentiment":"negative","sentiment_score":-0.33506709337234497},{"text":"Not for you.","start":2515.27,"end":2515.83,"sentiment":"neutral","sentiment_score":-0.28556184967358905},{"text":"No, Tom.","start":2515.83,"end":2516.23,"sentiment":"neutral","sentiment_score":-0.09142546355724335},{"text":"That's good for me.","start":2516.23,"end":2517.37,"sentiment":"positive","sentiment_score":0.3622218370437622},{"text":"Just in beneficiaries and things, I did I did wanna get across the 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a buzz if there's any issues.","start":2530.81,"end":2532.345,"sentiment":"neutral","sentiment_score":0.2641648714031492},{"text":"The person who will likely be giving you a call next week on the evenings will be Jack.","start":2533.545,"end":2538.345,"sentiment":"neutral","sentiment_score":0.22396005193392435},{"text":"He's very good with insurance applications, very fast, doesn't like to waste your time, especially as an evening.","start":2538.345,"end":2543.965,"sentiment":"positive","sentiment_score":0.4170875623822212},{"text":"But if you do have any questions, he can pop you on to me as well.","start":2544.025,"end":2546.88,"sentiment":"neutral","sentiment_score":0.267001555301249}],"sentiment":"neutral","sentiment_score":0.29932264478529913,"channel":0,"num_words":59,"start":2530.81,"end":2546.88},{"sentences":[{"text":"Yeah.","start":2547.5398,"end":2547.8599,"sentiment":"neutral","sentiment_score":0.26190295815467834},{"text":"Not a 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bye.","start":2563.675,"end":2563.9949,"sentiment":"neutral","sentiment_score":0.20294427871704102},{"text":"Bye.","start":2563.9949,"end":2564.4949,"sentiment":"neutral","sentiment_score":-0.0960174947977066}],"sentiment":"neutral","sentiment_score":0.2506939396262169,"channel":1,"num_words":6,"start":2563.195,"end":2564.4949}]},"summary":{"result":"success","short":"A senior adviser from Financial named Tommy discusses updated strategies and points out the focus on updating a customer's portfolio. They emphasize the importance of maintaining side-of-fact straightforward and reducing risk levels. The speaker provides projections for high growth risk profiles and suggests reducing investment fees and improving performance. They also provide information on life insurance policies and advise customers to use an offset account for mortgage contributions and save all contributions into savings. The agent provides a quote for the upcoming application and explains the process for filing life insurance deductions and signing a personal statement. The customer is instructed to print out the policy and sign it, and the agent apologizes for the need to go through a lot of different areas."},"intents":{"segments":[{"text":"I've got you booked in for a bit of a catch up for some updated strategies and and a few review points there. Do you still have some time for me? Yeah.","start_word":26,"end_word":57,"intents":[{"intent":"Arrange check","confidence_score":0.000086145934}]},{"text":"Do you still have some time for me? Yeah.","start_word":49,"end_word":57,"intents":[{"intent":"Offer assistance","confidence_score":0.01502993},{"intent":"Check availability","confidence_score":0.158127}]},{"text":"And just for the security of your info, so I'm registered with Advicus Advisor one two seven three one zero five. Can I confirm your date of birth and address?","start_word":123,"end_word":152,"intents":[{"intent":"Provide security information","confidence_score":0.002569237},{"intent":"Provide information","confidence_score":0.04182807}]},{"text":"Can I confirm your date of birth and address?","start_word":144,"end_word":152,"intents":[{"intent":"Confirm identity","confidence_score":0.26244166}]},{"text":"that should come through pretty quickly, that email there, and I'll go through a couple of quick points in terms of what your your goals were previously, see if there's been any major changes. And then I just wanna kind of walk you through what I've been researching and the ideas that I'd like to kind of Yeah. change.","start_word":269,"end_word":327,"intents":[{"intent":"Explain situation","confidence_score":0.023312397}]},{"text":"So if you can hit that purple button to it says sign on it, but it does bring open all six documents to review with me, and we can have a bit of a scroll together. Sign.","start_word":378,"end_word":414,"intents":[{"intent":"Access documents","confidence_score":0.026163982},{"intent":"Get assistance with document","confidence_score":0.00007917005},{"intent":"Review documents","confidence_score":0.06068273},{"intent":"Review documents","confidence_score":0.015290997}]},{"text":"The main thing that I'm focusing on for this updated strategy was updating your portfolio. And if you recall, there was a bit of a conversation about some trauma insurance that you might be able to get just given that you're a bit you're still working on the citizenship side of things, and we've been calling around a few insurers to see what cover you can actually get based on different visas, different citizenship statuses.","start_word":620,"end_word":694,"intents":[{"intent":"Review portfolio","confidence_score":0.018414987},{"intent":"Call on insurers","confidence_score":0.0003105088}]},{"text":"So I'll go through that with you in a sec. Just before I swing down any further, your main focuses at the time was renovations and cruises, and, obviously, the citizenship is kind of like a long term ten year goal.","start_word":708,"end_word":748,"intents":[{"intent":"Review timeline","confidence_score":0.0008902628}]},{"text":"How do you end up going with the renos? Oh, yeah.","start_word":749,"end_word":759,"intents":[{"intent":"Discuss renos","confidence_score":0.13947774},{"intent":"Confirm renos status","confidence_score":0.0003220899}]},{"text":"How do you end up going with the renos? Oh, yeah. We got there eventually. It was a struggle, but we we just all this few niggly bits and pieces to do. But, look, with a house, there's always something to do. You finish one project and you gotta start another. But the main windows are done. The bathroom and the kitchens and things like that are done.","start_word":749,"end_word":816,"intents":[{"intent":"Discuss topics for housing","confidence_score":1.1839157e-7}]},{"text":"And the last round of of chemo, because it's such a severe dose she was getting, ended up giving her access. Oh, no.","start_word":940,"end_word":962,"intents":[{"intent":"Discuss chemo","confidence_score":0.3316673}]},{"text":"But the main thing is just, again, updating the super, and I did get some headway on the trauma cover.","start_word":1071,"end_word":1090,"intents":[{"intent":"Update super","confidence_score":0.8968906},{"intent":"Cover trauma cover","confidence_score":0.0074845087}]},{"text":"email, 166,000 of the income still doing the truck driving.","start_word":1154,"end_word":1163,"intents":[{"intent":"Discuss income","confidence_score":0.029451227}]},{"text":"So that was just for the tax return? yeah.","start_word":1182,"end_word":1190,"intents":[{"intent":"Discuss tax return","confidence_score":0.40971637}]},{"text":"If you have a swing down there, I've got the I'm assuming the home value has probably changed a little bit, maybe the mortgage, but I've got the two cars and the home listed with the mortgage. They're about $5.","start_word":1214,"end_word":1253,"intents":[{"intent":"Discuss mortgage value","confidence_score":0.040658563}]},{"text":"If you have a swing down there, I've got the I'm assuming the home value has probably changed a little bit, maybe the mortgage, but I've got the two cars and the home listed with the mortgage. They're about $5.10. Yeah.","start_word":1214,"end_word":1254,"intents":[{"intent":"Discuss mortgage","confidence_score":0.46257794},{"intent":"Discuss mortgage options","confidence_score":0.042040806},{"intent":"Confirm mortgage amount","confidence_score":0.00064648077}]},{"text":"I gotta get my glasses because well, you say it's getting it's getting worse. Okay.","start_word":1279,"end_word":1293,"intents":[{"intent":"Get glasses","confidence_score":0.00070697436}]},{"text":"I'll update all that on our system.","start_word":1623,"end_word":1629,"intents":[{"intent":"Update system and details","confidence_score":0.0000935035}]},{"text":"That's on 13. So, basically, to summarize why we're doing what we're doing with the portfolio is we're trying to reduce the investment fees, improve the performance, get everything sort of back on track for a consistent double digit return across all time periods, not just some of them. And we've also factored in things like any capital gains tax inside the super under the hood when we switch investments around.","start_word":1705,"end_word":1775,"intents":[{"intent":"Show portfolio information","confidence_score":0.001624005}]},{"text":"Which one is that, Moe? On page 18 or not the last one?","start_word":2082,"end_word":2094,"intents":[{"intent":"Analyze options","confidence_score":0.11204141}]},{"text":"Yeah.","start_word":2516,"end_word":2516,"intents":[{"intent":"Reduce risk","confidence_score":0.015747294}]},{"text":"Now if you swing past there, I've updated a couple of little projections there for you as well on pages nineteen and twenty. You should see a fee comparison table where it says current and recommended and different. Which one? Sorry?","start_word":2576,"end_word":2616,"intents":[{"intent":"Provide projections for investment","confidence_score":0.000013195951}]},{"text":"You should see a fee comparison table where it says current and recommended and different. Which one?","start_word":2599,"end_word":2615,"intents":[{"intent":"Obtain comparison table","confidence_score":0.0002608559}]},{"text":"So that's essentially any, like, brokerage fees to purchase the investments, which we use all the ETFs. So they're very, very cheap for the whole time you hold them, but you spend a little bit to buy them up front.","start_word":2666,"end_word":2705,"intents":[{"intent":"Make recommendations for investments","confidence_score":0.000060867664},{"intent":"Use etfs","confidence_score":0.009284334}]},{"text":"With the investments, though, we've been able to half the investment fee. So that'll save you $520 a year. And as your balance grows, because it's a percentage savings, that'll just compound and compound over the years bigger and bigger as well. Yes.","start_word":2717,"end_word":2759,"intents":[{"intent":"Save money","confidence_score":0.3518609},{"intent":"Compound investments","confidence_score":0.10318995}]},{"text":"The bottom row of that table, we're bringing the five year performance average back up from that kind of six and a half percent back up to around 12. Like I said before, we need to have it consistently above 10%. Mhmm.","start_word":2760,"end_word":2801,"intents":[{"intent":"Report performance average","confidence_score":0.0069626775}]},{"text":"Swing over to the next page, last couple of things to show you is the performance table.","start_word":2849,"end_word":2865,"intents":[{"intent":"Show performance table","confidence_score":0.108820125}]},{"text":"Basically, a couple of the options that we switched out, they're a little bit too, I guess, volatile. Some years they're going fantastic. Some years they're going very, very poorly. And I just wanted to get it a little bit more consistent year on year for you, mainly with some some passive low fee options. They're a little bit more consistent. Yeah.","start_word":2910,"end_word":2971,"intents":[{"intent":"Understand options","confidence_score":0.00676651}]},{"text":"Now we did have a bit of a chat around the the salary sacrifice side of things, and you were thinking of kind of increasing it a little bit from a 150 to $2.40 a week. That's before tax.","start_word":2972,"end_word":3010,"intents":[{"intent":"Decide increase salary","confidence_score":0.0016281148}]},{"text":"But, realistically, just wanna be guided by you. I mean, given all everything you've got going on with with family and health Yeah.","start_word":3022,"end_word":3044,"intents":[{"intent":"Guide by speaker","confidence_score":0.43583345}]},{"text":"If I if I can do 300 a week, I'd rather do that.","start_word":3092,"end_word":3104,"intents":[{"intent":"Consider maximum pay amount","confidence_score":0.004961452}]},{"text":"Once I don't K. go So over that, do you think then you'll be hitting $1.90 again oh, for this financial year, do you think?","start_word":3105,"end_word":3129,"intents":[{"intent":"Discuss financial year","confidence_score":0.09843981}]},{"text":"So better changes on the horizon possibly. Yeah. So Okay.","start_word":3252,"end_word":3261,"intents":[{"intent":"Improve business performance","confidence_score":0.00033615163}]},{"text":"And what'll happen is, let's say, you get to next year and you've put in twenty nine and a half thousand and you've got $3 to go, you can pop $3 in, claim it as a tax deduction, and you'll get that chunk back straight away, which just minimizes the time.","start_word":3509,"end_word":3559,"intents":[{"intent":"Request tax deduction","confidence_score":0.018229881}]},{"text":"You should see a bit of a blue bar saying to apply for some life insurance. Yeah.","start_word":3927,"end_word":3943,"intents":[{"intent":"Apply for life insurance","confidence_score":0.06872885}]},{"text":"It's possible to get. You can only claim on it if you're still, you know, residing in Australia at the time.","start_word":4348,"end_word":4368,"intents":[{"intent":"Discuss insurance claim","confidence_score":0.015195129}]},{"text":"And in terms of getting those to you, would you prefer us to email it through, you print it out, get it signed and witnessed, or would you prefer posted with a return With the policy, do I still have to get a witness? envelope? Yeah.","start_word":4606,"end_word":4651,"intents":[{"intent":"Request to send documents","confidence_score":0.00036040126}]},{"text":"Still the usual 1.65% for our services, but we have included a tiered fee structure now in the service guide, our financial service guide. So when you get above 200,000, there is discounts that get applied and also further discounts when you go above 500,000.","start_word":5197,"end_word":5241,"intents":[{"intent":"Update services","confidence_score":0.00037468312}]},{"text":"Now with the the insurance policies as well so anytime we put in place an insurance policy for any insurer, we do get paid the first 66% of the first year's premium as a commission for the establishment, and then 22% ongoing to help manage, like, claims assistance and Mhmm. claims advice as well, which I think for the New Zurich Zurich policy is about $98 per Yeah.","start_word":5345,"end_word":5412,"intents":[{"intent":"Manage insurance policy and claims","confidence_score":0.00011037126}]},{"text":"So what we would like to do is I'm just gonna get you booked in for the trauma application itself. Now bear in mind, I'll send you through a quote. The quotes have, like, a thirty day expiry on it, so I just wanted to make sure that, a, that you wanted to go ahead with it first before I send it through in case you do sign it and it expires two days later.","start_word":5936,"end_word":6010,"intents":[{"intent":"Order trauma application","confidence_score":0.000677787}]},{"text":"And do you have any idea when would be a good time to go through that kind of fifteen, twenty minutes personal statement.","start_word":6012,"end_word":6034,"intents":[{"intent":"Schedule personal statement","confidence_score":0.32195565}]},{"text":"So what I can do if it's easier is I'll send through the the quote today and tomorrow. And then from Monday onwards, I'll just get the team to try and touch base with you in the evening and see if they can catch you one of those days to get that submitted. Yeah.","start_word":6063,"end_word":6116,"intents":[{"intent":"Submit quote","confidence_score":0.7115194},{"intent":"Add to quote","confidence_score":0.0004618095}]},{"text":"If anything pops up, they'll pop it back to me. But, again, just keep an eye out for that quote. We'll post you out those beneficiary form, and then someone will be in touch next week to go through that application.","start_word":6160,"end_word":6200,"intents":[{"intent":"Specify benefits","confidence_score":0.00013607123}]},{"text":"And last thing, just because it is direct debit, you'll get to put in what details or accounts or cards you would like that to come out of, but they don't debit anything until the policy is actually accepted and enforced. Yeah.","start_word":6206,"end_word":6247,"intents":[{"intent":"Provide policy details","confidence_score":0.010689405}]},{"text":"What we I can wish it would be. how much is it again, Sorry.","start_word":6311,"end_word":6324,"intents":[{"intent":"Request minimum","confidence_score":0.0000052087344}]},{"text":"What we I can wish it would be. how much is it again, Sorry. sorry? It is I'll get the exact here for you. 42, Forty isn't it? $1.89 per month.","start_word":6311,"end_word":6341,"intents":[{"intent":"Ask for cost","confidence_score":0.005667923}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon, David. It's Tommy here, senior adviser of Financial. How are you doing?","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.18715380132198337},{"text":"Good, miss. Yourself? I'm living the dream. It's a beautiful week. I've got you booked in for a bit of a catch up for some updated strategies and and a few review points there.","start_word":15,"end_word":48,"sentiment":"positive","sentiment_score":0.4905593991279602},{"text":"Do you still have some time for me? Yeah. Yeah. Sure do.","start_word":49,"end_word":60,"sentiment":"neutral","sentiment_score":0.1109967976808548},{"text":"Perfect. Perfect.","start_word":61,"end_word":62,"sentiment":"positive","sentiment_score":0.4195813536643982},{"text":"So I'll go through the usual security check with you, and I've Yeah. got a bit of an email to send to you. Do you have access to your emails today? Perfect. Alright. So I'll pop that through. And just while it's going through, are you okay for the call to be recorded? Yeah. Yeah. All good, Tom. Yeah.","start_word":63,"end_word":121,"sentiment":"neutral","sentiment_score":0.103692427277565},{"text":"Perfect.","start_word":122,"end_word":122,"sentiment":"positive","sentiment_score":0.34361743927001953},{"text":"And just for the security of your info, so I'm registered with Advicus Advisor one two seven three one zero five. Can I confirm your date of birth and address? It's the first and ninth nineteen eighty. Perfect. 3013 Park Grove Avenue in Camira.","start_word":123,"end_word":166,"sentiment":"neutral","sentiment_score":0.07338612526655197},{"text":"Amazing. Thank you so much for that, David.","start_word":167,"end_word":174,"sentiment":"positive","sentiment_score":0.4976191520690918},{"text":"Mate, I do have to give you just a quick warning before I go ahead. My three year old broke his leg, so I do have him home with me today. So if you hear a bit annoying, I do apologize. That's all good. All good. He went, oh, you've you've got a newborn baby. I'll go break my leg, and so the whole family's enjoying I've been there. I I have three girls, so I know all the darn time for that. Fair enough. Fair enough.","start_word":175,"end_word":261,"sentiment":"neutral","sentiment_score":0.04046991094946861},{"text":"Thank you for that.","start_word":262,"end_word":265,"sentiment":"positive","sentiment_score":0.4501427710056305},{"text":"Now about it. that should come through pretty quickly, that email there, and I'll go through a couple of quick points in terms of what your your goals were previously, see if there's been any major changes. And then I just wanna kind of walk you through what I've been researching and the ideas that I'd like to kind of Yeah. change.","start_word":266,"end_word":327,"sentiment":"neutral","sentiment_score":0.12213309109210968},{"text":"Perfect.","start_word":328,"end_word":328,"sentiment":"positive","sentiment_score":0.3389008343219757},{"text":"Now when you get that email, it should be listed as open new financial statement of advice. Can you see that in your main inbox? It may have gone to your spam folder Yeah. if it No. is your first Statement. time. I have it here. Yeah.","start_word":329,"end_word":375,"sentiment":"neutral","sentiment_score":0.07391743583882109},{"text":"Perfect. Perfect.","start_word":376,"end_word":377,"sentiment":"positive","sentiment_score":0.5731000304222107},{"text":"So if you can hit that purple button to it says sign on it, but it does bring open all six documents to review with me, and we can have a bit of a scroll together. Sign. Where's sign? Click to start. Could be Oh, yep. Yep. a little bit Click further to start. down. Yeah. Click the start. Now when you get in there, it should have that Gold Coast Beachfront city picture on that first document labeled statement of advice. Me I'm just signing it here now. And jeez. I got no addresses. No. You're right, man. It's third. I don't know about you. I say Thomas is very hard to see this white writing Let's see. 03. Sorry. I'm talking to myself here. 09. No. No. You're totally fine. No. Definitely don't want you to accidentally sign anything, so I just wanna get into the document first. Oh, you don't want me to sign it? No. No. I need to run through it with you. Make sure he's comfortable first. Oh, right. Sorry. No. You're totally fine. So what Does are it you still looking let you for? scroll up and down? Yeah. So I'll go back to the top again. Yeah. I got a picture Perfect. of the Gold Coast Yeah. here. Just Yeah.","start_word":378,"end_word":595,"sentiment":"neutral","sentiment_score":0.008290618658065796},{"text":"amazing. Amazing.","start_word":596,"end_word":597,"sentiment":"positive","sentiment_score":0.4557780623435974},{"text":"So if you could just skip through to pages three and four for me, it's got a scope of advice. Yep.","start_word":598,"end_word":618,"sentiment":"neutral","sentiment_score":0.2574339509010315},{"text":"Perfect.","start_word":619,"end_word":619,"sentiment":"positive","sentiment_score":0.3473951518535614},{"text":"The main thing that I'm focusing on for this updated strategy was updating your portfolio. And if you recall, there was a bit of a conversation about some trauma insurance that you might be able to get just given that you're a bit you're still working on the citizenship side of things, and we've been calling around a few insurers to see what cover you can actually get based on different visas, different citizenship statuses. Does that ring a bell? Yeah. Yeah. Yeah. I remember that.","start_word":620,"end_word":705,"sentiment":"neutral","sentiment_score":0.09285402804786384},{"text":"Yeah. Perfect.","start_word":706,"end_word":707,"sentiment":"positive","sentiment_score":0.48074454069137573},{"text":"So I'll go through that with you in a sec. Just before I swing down any further, your main focuses at the time was renovations and cruises, and, obviously, the citizenship is kind of like a long term ten year goal. How do you end up going with the renos? Oh, yeah. We got there eventually. It was a struggle, but we we just all this few niggly bits and pieces to do. But, look, with a house, there's always something to do. You finish one project and you gotta start another. But the main windows are done. The bathroom and the kitchens and things like that are done. So we we just put everything on hold for the moment.","start_word":708,"end_word":827,"sentiment":"neutral","sentiment_score":0.06957823783159256},{"text":"Oh, sensational.","start_word":828,"end_word":829,"sentiment":"positive","sentiment_score":0.5049082636833191},{"text":"Yeah. I've got that 80% built deck next to me, and I'm just doing the finishing touches for that one. So I can understand it can take a little while. And is there anything else sort of focusing for you guys the next couple of years? Not really with no. Not the citizenship is a big one.","start_word":830,"end_word":886,"sentiment":"neutral","sentiment_score":0.06525038182735443},{"text":"This year, Andrea's been pretty sick this year. She was diagnosed with cancer and things. So it's just a case of Oh, man. fucking oh, it's it's been a fucking yeah. It's been a rough one.","start_word":887,"end_word":922,"sentiment":"negative","sentiment_score":-0.48786798119544983},{"text":"Fair. So Hardly fair. yeah.","start_word":923,"end_word":927,"sentiment":"neutral","sentiment_score":-0.25116920471191406},{"text":"Because it it's pretty she's got a pretty bad case of this. And the last round of of chemo, because it's such a severe dose she was getting, ended up giving her access.","start_word":928,"end_word":960,"sentiment":"negative","sentiment_score":-0.3937782049179077},{"text":"Oh, no. And she's only 40 years of age. Oh, mate. Double Oh, whammy on that one. I'm sorry to hear that. yeah. I don't know if we're we're we're we're kind of in the recovery stage, but no chemo's done. Just waiting on dates for surgery, but because of the heart complications, they just keep changing dates and things like that. So, look, we're just going with this. Oh. Yep. So it's safe to say you've been busy and a lot going on.","start_word":961,"end_word":1044,"sentiment":"neutral","sentiment_score":-0.12316190744084972},{"text":"Oh, absolutely. Absolutely. Okay. So I'll keep our side of things nice and straight forward for you because I don't wanna be a burden on you.","start_word":1045,"end_word":1070,"sentiment":"positive","sentiment_score":0.4963798522949219},{"text":"But the main thing is just, again, updating the super, and I did get some headway on the trauma cover. Now I wanna just sort of double check that with you. We'll we'll have a bit of a scroll down. We've got your other your other goals there. If you can go down pages eight and nine of the about you section and also your assets and liabilities. I just wanna quickly touch on that. Seven. So we've got phone Oh, and yeah. email, 166,000 of the income still doing the truck driving. So, yeah, it'd be a bit more I did what to do this year? One 01/01/1990. So $1.90. So that was just for the tax return? yeah. That would no. That was all up. Yeah. So we just did our tax Yep. return there last last week, actually. Perfect. Okay. If you have a swing down there, I've got the I'm assuming the home value has probably changed a little bit, maybe the mortgage, but I've got the two cars and the home listed with the mortgage. They're about $5.10. Yeah. Well, yeah, the mortgage is yeah. The value is I always be up a bit, but yeah. Because I gotta get hang on, Tom.","start_word":1071,"end_word":1278,"sentiment":"neutral","sentiment_score":0.037363648414611816},{"text":"I gotta get my glasses because well, you say it's getting it's getting worse.","start_word":1279,"end_word":1292,"sentiment":"negative","sentiment_score":-0.3992125689983368},{"text":"Okay. I got it for I had my son. He's on with her prescription, but now that it's getting dull, it's just not doing You hit the the twilight period of that sort of 5PM where the sun hits that middle point, and the sun is just gonna be worse than nothing. That is. Alright. That's a bit better. So what are we looking at, Tom? Main residence. Yeah. What was that's 9 was that $9.50? Yeah. $9.50 on the main value and $5.10 for the mortgage. Yeah. Well, we're we're hoping the next few weeks now that we have renovations and things finished that we can get someone else to get a proper value. So we reckon just going off real estate, they say 1.1 to 1.2 at the at the current value. But that's not even with the renos. That's the old the old house. That's on real estate, that's what it's showing.","start_word":1293,"end_word":1447,"sentiment":"neutral","sentiment_score":-0.10046663942836946},{"text":"Perfect. I'll go a bit conservative with it. It doesn't make too much difference for us, but I'll put the one point one one point two there, and, hopefully, that'll give you a nice little boost above that.","start_word":1448,"end_word":1485,"sentiment":"positive","sentiment_score":0.40341758728027344},{"text":"And the mortgage at $5.10, is that changed? What she said it was there? No. It it'll be down I think she said $4,454.50. So we because we took Perfect. 70 out for for well, that was two years ago, so we would've been paying that off. We took 70 out for for the.","start_word":1486,"end_word":1539,"sentiment":"neutral","sentiment_score":-0.005492547992616892},{"text":"So Awesome.","start_word":1540,"end_word":1541,"sentiment":"positive","sentiment_score":0.5338273048400879},{"text":"but we And you've knocked it back down. yeah. So we're yeah. Because we did wheels and things that we made up wheels there the other day and Yep. things like that. And I think she said $4.40 or $4.50 was was the remaining. So, basically, she she she does the mortgage, and I I do the other bills, and that's the way I I yeah. She covers that that side of it. Yeah.","start_word":1542,"end_word":1615,"sentiment":"neutral","sentiment_score":0.12400846183300018},{"text":"Perfect. Perfect. Good cash flow strategy. Alright. I'll update all that on our system. Thank you so much for that info.","start_word":1616,"end_word":1636,"sentiment":"positive","sentiment_score":0.5679547190666199},{"text":"If you Yep.","start_word":1637,"end_word":1639,"sentiment":"neutral","sentiment_score":0.27870115637779236},{"text":"can have a swing down for me, just to keep it nice and easy for you, we'll just kind of skip through.","start_word":1640,"end_word":1661,"sentiment":"positive","sentiment_score":0.34380942583084106},{"text":"You've got the super on page 10, the risk profile being high growth on page eleven and twelve, and then strategy recommendations on 13, the big wall of text there under a blue title, strategy recommendations. Can you see that one? Yep.","start_word":1662,"end_word":1703,"sentiment":"neutral","sentiment_score":0.19362439215183255},{"text":"That's on 13. So, basically, to summarize why we're doing what we're doing with the portfolio is we're trying to reduce the investment fees, improve the performance, get everything sort of back on track for a consistent double digit return across all time periods, not just some of them. And we've also factored in things like any capital gains tax inside the super under the hood when we switch investments around.","start_word":1704,"end_word":1774,"sentiment":"positive","sentiment_score":0.4322303831577301},{"text":"The only thing that I'm not doing in here is I can't give you that full 22 retirement analysis projection. It's just a little bit too far out because there's so many changes that'll happen in your life. We usually just do, like, a ten year projection at this point. Yep. Okay? Now the main thing here, if you skip through, there'll be some alternatives that we looked at. The the usual market risk about, you know, you can't control the weather. Markets go up and down, but we do pick the investments for you. If you can go down to page 16, this is where the table start, and just a couple of things I wanted to point out for you. It's actually a pretty Yep. big investment table. Can you see that one there? Yep. Cool. So when it comes to the progress of everything, your last review, you were sitting at a 138,000. As of today, you're at 163,000 when I add in all the cash and everything. We've had some some cash from your contributions pulling off to the side, which has been pretty good actually because the stock market had a bit of a crash in March. So when the stock market went down, you missed a big chunk of that, and it kind of only affected you at around about two to 5% instead of seven to 12. But it's kind of flatlined your your investment return for the year even though your balance has gone up 25. That's mainly from your contribution. Does that make sense? Yep. Now in that table, can you see the second last column? It's probably the the most sort of digit bit I wanna show you. Second last column is target weight percentages, and you should see some nice round figures in that column. Which one is that, Moe? On page 18 or not the last one? So 16 page 16 Alright. still. We've got the second last column as target weight percentage, and you'll see, like, seven percent zero seven zero, and it kinda just goes down the list. Yeah. So Yeah. Yeah. what I I'm got basically it again. doing here is a a two factor strategy. So we do a rebalance, which anything that's kind of going up to, you know, 32.1% and this one's going down to 17.4, we just bring those back to the middle again, kind of buy low to sell high.","start_word":1775,"end_word":2184,"sentiment":"neutral","sentiment_score":0.01919448139463983},{"text":"Take some profits from this one, rebalance all your investments.","start_word":2185,"end_word":2194,"sentiment":"positive","sentiment_score":0.40090760588645935},{"text":"At the same time, all of the ones that have a zero in that column, I'm switching out. So the option in the second row was doing kind of average last year. It still hasn't kind of recovered, so we're removing that one along with a bit of exposure to Europe and Japan in the middle. And at the bottom, those bottom four or five, these are the options that we're adding into the portfolio. So for your defensive portion, we're putting some of the cash into some bonds, which are kind of safer. They're fixed interest. They get a higher return in cash, but they're not risky like the stock market. Whereas everything else above that, these are all of your replacements for those options.","start_word":2195,"end_word":2320,"sentiment":"neutral","sentiment_score":0.06554315984249115},{"text":"So the Radia 200, the Raffi 200, they're essentially a low fee replacement of the previous option, much better performance over one, three, five, and ten years.","start_word":2321,"end_word":2347,"sentiment":"positive","sentiment_score":0.4832904636859894},{"text":"Yeah. The only other thing of note is we have mixed in a little bit of India in there just because of a bit of manufacturing going from China to India. It's a bit more of a long term play over the next five years or so, but only a small portion. Yeah. Real.","start_word":2348,"end_word":2401,"sentiment":"neutral","sentiment_score":0.022830788046121597},{"text":"Cool.","start_word":2402,"end_word":2402,"sentiment":"positive","sentiment_score":0.49833089113235474},{"text":"Now if you go down, the main thing I wanted to show you was page 18 with that pie chart that you would have seen with the colors on it. Yeah. So for your high growth risk profile, you need to be sitting between 90 to a 100% growth asset because we've been pulling some cash off to the side while the market was kind of going down. You're sitting at 84%. We're essentially gonna redeploy that into the fixed interest, and that'll bring you back up to about 92 and get you into all the different areas, gold, shares, and safer assets, and just keep you in line with that risk profile. Yeah. The reminder there, though, is that the high growth is to try and get the high returns over five, ten years. Once we have built the balance up, like I said previously, we do have to reduce it down.","start_word":2403,"end_word":2555,"sentiment":"neutral","sentiment_score":0.06283903793961394},{"text":"It's up to be 64, lose half your super business top market crashes a year before you go to retire.","start_word":2556,"end_word":2575,"sentiment":"negative","sentiment_score":-0.36631113290786743},{"text":"Now if you swing past there, I've updated a couple of little projections there for you as well on pages nineteen and twenty. You should see a fee comparison table where it says current and recommended and different. Which one? Sorry? We're looking at page 19, and you should see Oh, a fee comparison table. yeah. Sorry. It Yeah. usually goes yep. Now if you go on the right hand side, the difference at the top right can you see the minus 1,000 up there on the top right? Yeah. So that's essentially any, like, brokerage fees to purchase the investments, which we use all the ETFs. So they're very, very cheap for the whole time you hold them, but you spend a little bit to buy them up front. And that's also capital gains tax under the hood as well.","start_word":2576,"end_word":2716,"sentiment":"neutral","sentiment_score":0.045791786164045334},{"text":"With the investments, though, we've been able to half the investment fee. So that'll save you $520 a year. And as your balance grows, because it's a percentage savings, that'll just compound and compound over the years bigger and bigger as well. Yes. The bottom row of that table, we're bringing the five year performance average back up from that kind of six and a half percent back up to around 12. Like I said before, we need to have it consistently above 10%.","start_word":2717,"end_word":2800,"sentiment":"positive","sentiment_score":0.3914785981178284},{"text":"Mhmm. Projection down below. So there's a combination of the investment switches and some contribution advice as well. And bit of grain of salt, of course, but over five and ten years, we're expecting it to go from 90 to 200,000 difference over five and ten years. Yep. Swing over to the next page, last couple of things to show you is the performance table. And what I really wanted to show you here was on the left hand side, you can see it kind of bounces around between 1% here, 10% there, 6% here, whereas with the new portfolio, it's consistently in the double digits across all periods. Basically, a couple of the options that we switched out, they're a little bit too, I guess, volatile. Some years they're going fantastic. Some years they're going very, very poorly.","start_word":2801,"end_word":2939,"sentiment":"neutral","sentiment_score":0.1051776417725378},{"text":"And I just wanted to get it a little bit more consistent year on year for you, mainly with some some passive low fee options. They're a little bit more consistent.","start_word":2940,"end_word":2970,"sentiment":"positive","sentiment_score":0.404182642698288},{"text":"Yeah. Now we did have a bit of a chat around the the salary sacrifice side of things, and you were thinking of kind of increasing it a little bit from a 150 to $2.40 a week. That's before tax. Bear in mind, it only impacts your 70<unk> on the dollar. But, realistically, just wanna be guided by you. I mean, given all everything you've got going on with with family and health Yeah. and I would cash flow. I have it at $1.90 at the moment, but I I rather do maximum because, like, they take it before tax. I really don't notice the difference in in in the pay if it you know? So I rather do the maximum. If I if I can do 300 a week, I'd rather do that. Once I don't K. go So over that, do you think then you'll be hitting $1.90 again oh, for this financial year, do you think? I don't know. There's a lot of there's a lot of things going on at work at the moment, so I don't I don't know.","start_word":2971,"end_word":3155,"sentiment":"neutral","sentiment_score":0.04769403859972954},{"text":"They're they've they've merged with another company, and and it's not as successful as what the merge was supposed to be.","start_word":3155,"end_word":3175,"sentiment":"negative","sentiment_score":-0.5082676410675049},{"text":"Right.","start_word":3176,"end_word":3176,"sentiment":"neutral","sentiment_score":-0.24532881379127505},{"text":"So there's a lot of issues going on.","start_word":3177,"end_word":3184,"sentiment":"negative","sentiment_score":-0.3737756609916687},{"text":"So I I don't know. Okay. I'm I'm I'm thinking what I want I wanna get this year over the way, and I was thinking maybe looking something different next year if it doesn't change.","start_word":3185,"end_word":3219,"sentiment":"neutral","sentiment_score":-0.023588519543409348},{"text":"But at the moment, yeah, there's a lot of another company bought them three three years ago, and it's it's just not as good as what it used to be.","start_word":3220,"end_word":3249,"sentiment":"negative","sentiment_score":-0.48101577162742615},{"text":"Gotcha. Okay. So better changes on the horizon possibly. Yeah. So Okay. we'll So see. what I We think we you just should do put then this over there. are you using an offset account for the mortgage? No. I don't think so. Okay. So I know what we you had one, can but I do think she's I'm always not okay. I think you should keep the contributions at $1.90 for the time being because if you do hit that higher figure again, if I increase it to $2.40, you might just go over the cap a little bit, which they'll use up anything you haven't used going backwards five years anyway, which will get you through for the first time. The better way to do it is if you have a redraw or an offset account or even just a savings account, is pull everything else into the savings. And when it comes time for June, if there's anything left over in the tap that you haven't done, we can do a one off contribution then. It's not as nice as having it pretax like we were doing currently, but I think the $1.90 is the safe amount just for the time Yeah. We can leave it at that thing until it's not.","start_word":3250,"end_word":3464,"sentiment":"neutral","sentiment_score":0.08325658738613129},{"text":"I don't want yeah.","start_word":3465,"end_word":3468,"sentiment":"negative","sentiment_score":-0.3657188713550568},{"text":"I I don't want to go over, but, like, I I'd like to try and get as much back with the salary sacrifice and all. The less you give the tax, man, the better. Yeah. I agree a 100%. And what'll happen is, let's say, you get to next year and you've put in twenty nine and a half thousand and you've got $3 to go, you can pop $3 in, claim it as a tax deduction, and you'll get that chunk back straight away, which just minimizes the time. It's not as good as salary sacrifice, but it's an expense thing. But you you can only do that one offer. Can you do that every Oh, you can do that every year. Basically, you know how your employer puts in salary sacrifice through the payroll system? year? Yeah. You would essentially do a BPAY or EST deposit and then fill in a form with us.","start_word":3469,"end_word":3624,"sentiment":"neutral","sentiment_score":0.14256200939416885},{"text":"We would help you with the the paperwork, and it basically sends a signal to the tax office that you're gonna claim it for a tax deduction.","start_word":3625,"end_word":3651,"sentiment":"positive","sentiment_score":0.4469934105873108},{"text":"And you can do that exactly the same way. Alright. Yeah. It's So just yeah. an extra We form, though, not as fun as salary. yeah. Well, I might do that before my tax return next year. Just so I've already done my tax return just last week. So Fine. but maybe next year, I I could whatever extra is left, just just put in that three or four thousand or whatever it is. Yeah. And as long as it's in before, like, June 30 or technically June 25 when the super funds accept it, as long as the money is in, you don't have to complete that form until before you tax return is submitted. So, basically, as long as you get it in on, say, June 24, you've got a couple of months to finish the form. When you get that accepted, then you could submit the tax return. So, basically, before the end of the financial year, just contact you guys and and just put in whatever needs to be put in? Yes.","start_word":3652,"end_word":3827,"sentiment":"neutral","sentiment_score":0.1489664912223816},{"text":"Exactly right.","start_word":3828,"end_word":3829,"sentiment":"positive","sentiment_score":0.4655185639858246},{"text":"And I'll flag you on our system as it's called a notice of intent to claim, and I'll flag you as a NOI client.","start_word":3830,"end_word":3853,"sentiment":"neutral","sentiment_score":0.2952367067337036},{"text":"So that way we can reach out to you in, like, May, June as well, and we can help you with the process.","start_word":3854,"end_word":3876,"sentiment":"positive","sentiment_score":0.41729623079299927},{"text":"It's basically just a deposit and a one page. Yeah.","start_word":3877,"end_word":3886,"sentiment":"neutral","sentiment_score":0.1765129178762436},{"text":"Yeah. Cool. That sound okay? Yeah. Perfect.","start_word":3887,"end_word":3893,"sentiment":"positive","sentiment_score":0.5195255279541016},{"text":"Now if you can have a quick swing down for me, the last bit I wanted to show you is the the insurance side of things. So can you go to page 24? You should see a bit of a blue bar saying to apply for some life insurance. Yeah. Life and trauma insurance. Yeah. So what I've recommended here is I know you're currently with Cal, and I don't normally recommend having multiple insurance, but Zurich came out very, very, very good in terms of pricing for you for trauma insurance. Now that's the one that would give you a $100,000 lump sum if you did have a heart attack, stroke, or cancer. Now Yep.","start_word":3894,"end_word":4009,"sentiment":"neutral","sentiment_score":0.1417602151632309},{"text":"to make that one a bit cheaper, what we did was we linked it up with a little life policy of a 100,000.","start_word":4010,"end_word":4032,"sentiment":"positive","sentiment_score":0.337272047996521},{"text":"And it's just a bit of a trick of the trade that if you have life insurance linked trauma insurance, it's cheaper than just having the trauma by itself. Yes. So they were saying the price would be around about 37 to $41 per month because it's the only cover you can have that has to be out of pocket. It can't be through super. So I was trying to put a limit on it of below $50 a month, and I just wanted to run it by you as an idea that if we put in place this policy here, most of it looks pretty good from a pricing standpoint, $41 a month on the quote. And as far as the permanent residency visa status go, can you see a bit of a box below there in blue where it says exclusion and loading? It just Yep. explains what a residency exclusion But this in so this is is. only for trauma and license trauma. Is it? Yeah. So you've already got the existing. I'm just gonna flick back up to the top for a second just to give you the the right details here. So your towel cover gives you the life insurance and the disability insurance that you already have. This one is essentially us getting you the trauma cover. Yeah. So life insurance if you pass away, EPD if you can never work again, trauma is based on a diagnosis. If you get a diagnosis of, hey. You've had a heart attack, stroke. You've got a certain type of cancer, organ failure, any sort of severe disease with a really strange Latin name, like bacterial meningitis or anything like that, they basically just give you a lump sum payment to go towards medical expenses in time with the family and so on. So that was something that we had talked about. It's possible to get. You can only claim on it if you're still, you know, residing in Australia at the time. That's the exclusion based on citizenship and so on. But I just Mhmm. wanted to run this one by you. Yeah. Yeah. Yeah. No. That's fine. K. Now with this one, what I would do is there is a bit of a quote that we'll send through to you. Again, it will be $41 with your current birthday, and I basically could get you booked in with the team to go through an application just like the one you did for the life insurance originally. Yeah.","start_word":4033,"end_word":4454,"sentiment":"neutral","sentiment_score":0.07342780162072718},{"text":"Cool.","start_word":4455,"end_word":4455,"sentiment":"positive","sentiment_score":0.37007805705070496},{"text":"Now through the rest of that document, we've got beneficiary nominations, which they're all sorted for the Netwealth, but it was really just to tell life insurance. And because we're attaching life insurance to the trauma, we can do a nomination on that as well for the Zurich cover once it's applied for. So I was basically just gonna send some form through so that we could get your partner nominated across all the super the insurances, Yeah. That's everything, and that's make something sure we all three line up. yeah. That's something we were we were speaking about during making the wheel a few weeks back. I didn't I wasn't sure whether I had it done or not. So I knew your call was today. I wanted to discuss that. But so, yeah, basically, everything everything in my super and everything there will be assigned to Andrea. Yep. And in terms of getting those to you, would you prefer us to email it through, you print it out, get it signed and witnessed, or would you prefer posted with a return With the policy, do I still have to get a witness? envelope? Yeah. So just like the wills, you need two people who aren't the beneficiary to witness it on the same So that'd be like a JP or someone like that? day. It can be any adult as long as they're not the beneficiary. Oh, right now. Okay. Yep. Yeah. Posted, I guess, would be good. Because I I know she Yep. was screaming at the the printer the other day, Which Fair enough. is nothing new. Posted with a return on the line. Yeah.","start_word":4456,"end_word":4733,"sentiment":"neutral","sentiment_score":0.09819089820300288},{"text":"That'd be good. If it's easier for you, I can prefill it.","start_word":4734,"end_word":4745,"sentiment":"positive","sentiment_score":0.36498281359672546},{"text":"So what we were recommending was a legally binding nomination just like the super, a nonlapsing nomination so it doesn't just randomly expire after three years. Are you okay with that? Yeah. Yeah. Yeah.","start_word":4746,"end_word":4779,"sentiment":"neutral","sentiment_score":0.1826454997062683},{"text":"Cool.","start_word":4780,"end_word":4780,"sentiment":"positive","sentiment_score":0.4302999675273895},{"text":"And I can prefill those options on the forms as well. I can also put Andrea's details on there if you like, unless you'd be comfortable just to write that in the boxes. If you want to put entry details, yeah, while you're doing it. Yeah. Cool. Yeah. Just because it is a legal document, I'll ask you some questions that have already half answered before. Just for for Andrew's full name and maiden name as well. Yep. So it's Andrea Dinnehy. Or sorry. Her maiden name is Andrea Mason. Oh, Awesome. what Awesome. else did you say And you're just looking to for? I'm confirm sorry. all sorry, mate. What was that? What what else were you looking for, you said? Sorry. So I need date of birth. It is good question. Oh, is it? Yeah. Hang on. She's sitting on the front here. I think that's it. I think she'll shoot me. Sorry. Alright. Alright. Can I get your date of birth? Your date of birth. Your date of birth. Your birth. Fourth fourth of the twelfth nineteen eighty five. 12/1985. So fourth to the twelfth nineteen eighty five. Andrea is spelled a n d r e a. Is that correct? Yeah. Correct.","start_word":4781,"end_word":4985,"sentiment":"neutral","sentiment_score":0.062357932956116954},{"text":"Beautiful.","start_word":4986,"end_word":4986,"sentiment":"positive","sentiment_score":0.5898547172546387},{"text":"And residing at the same address. Yeah. Correct.","start_word":4987,"end_word":4994,"sentiment":"neutral","sentiment_score":0.28120678663253784},{"text":"Beautiful.","start_word":4995,"end_word":4995,"sentiment":"positive","sentiment_score":0.5580999851226807},{"text":"Alright. I will get all that prefilled so she did cross everything, posted out with a return envelope. Any trouble at all, there'll be a cover letter, but just give us a buzz in. It takes us about two minutes to look through the form. And, again, just make sure the two witnesses aren't beneficiary and that they sign on the same date. Yeah. Not a problem. Oh, and one last thing. If you make a mistake, don't scribble down right next to it because it then invalidates the form. Right. I'll I ring you back if I make a mistake. Yep.","start_word":4996,"end_word":5097,"sentiment":"neutral","sentiment_score":-0.01899811625480652},{"text":"Perfect.","start_word":5098,"end_word":5098,"sentiment":"positive","sentiment_score":0.3426123261451721},{"text":"Perfect. Alrighty. So that's all there. You guys obviously establish the will and everything. Did you guys put in place power of attorney as well? Yeah. Beautiful. So I've got a will and power of attorney is in place. Beneficiaries will be shortly.","start_word":5099,"end_word":5141,"sentiment":"neutral","sentiment_score":0.17065134644508362},{"text":"Easy done.","start_word":5142,"end_word":5143,"sentiment":"positive","sentiment_score":0.47644877433776855},{"text":"Mate, that's pretty much it. So everything else there, I do have to let you know that for the insurance policy, again, that application I'll book in with you in a sec if you've got your your calendar. But for all of that fees and everything, I've included an updated service agreement there. Still the usual 1.65% for our services, but we have included a tiered fee structure now in the service guide, our financial service guide. So when you get above 200,000, there is discounts that get applied and also further discounts when you go above 500,000. I just wanna let you know that we've kind of tweaked the the structure a little bit, and that should apply to you in the next probably about twelve to eighteen months, I think, to get you up to that balance. Oh, yeah. Well, I should've yeah. We have we had a a new EBA. No. It hasn't gone through yet, but they're gonna have to back pay us, whatever, eighteen months from July last year. So it should've been over the 200 this year, but because of that EBA not being agreed to, it it was just shy. Yeah. Okay.","start_word":5144,"end_word":5342,"sentiment":"neutral","sentiment_score":0.053286106817087335},{"text":"Totally fair.","start_word":5343,"end_word":5344,"sentiment":"positive","sentiment_score":0.386573851108551},{"text":"Now with the the insurance policies as well so anytime we put in place an insurance policy for any insurer, we do get paid the first 66% of the first year's premium as a commission for the establishment, and then 22% ongoing to help manage, like, claims assistance and Mhmm. claims advice as well, which I think for the New Zurich Zurich policy is about $98 per Yeah. annum. Again, no fee from you. It's from the insurer to advisers, and there's no difference between providers. Not yet. No worries.","start_word":5345,"end_word":5434,"sentiment":"neutral","sentiment_score":0.13658460974693298},{"text":"Awesome.","start_word":5435,"end_word":5435,"sentiment":"positive","sentiment_score":0.5124635100364685},{"text":"So from here, if you're comfortable with all these strategies, there should be that that begin section that you were seeing before to design. And, basically, there's a signature and date stamp that goes on there, and there's also a bit of a box above the authority to proceed signature if you wanted to vary any recommendations as they are, just write NA into that box, please. Where is that box? So at the bottom of this document, sorry, second last page, but that button should also bring you there as well, the the begin button. Yes. Next. Page page 41, Tamza or forty forty two. 42. Yeah. So I have a signature, but it won't I can't see where next is written or same at all. There any other blue purple buttons that say next document or anything like that? Yeah. It's just bringing me it's just bringing me Oh, to it that might be that box. Yeah. The box above it. So where it's got signature and date, if they are stamped in there now, if you just go up just a tiny bit above it, there's a white yeah. space underneath the two paragraphs. And if you click on that and just type in NA, because we're not bearing the advice, that should actually cancel that last one for that document. Next document.","start_word":5436,"end_word":5661,"sentiment":"neutral","sentiment_score":0.0029174741357564926},{"text":"Perfect.","start_word":5662,"end_word":5662,"sentiment":"positive","sentiment_score":0.33853960037231445},{"text":"The So rest of those there, we've got the appendix research, financial services guide, service agreement, and overview services guide. do I have to sign another one here? Most of them would be skippable except for the ongoing consent with Netwealth. Alright. That's the Understood. only other Alright. one that would require a signature. It's loading here at the moment, Tom. So Oh, perfect. It's one of those things where with the amount of extra documents there, there's a few 100 pages there. Sometimes it takes a moment, that spinning circle to go alright. through. Sorry.","start_word":5663,"end_word":5758,"sentiment":"neutral","sentiment_score":0.016819944605231285},{"text":"Some of the extra documents they get us to send are quite bulky.","start_word":5759,"end_word":5771,"sentiment":"negative","sentiment_score":-0.403059720993042},{"text":"Yeah. Just while you're doing that too, so I'm just gonna quickly check the ID that we have on file. When we do any new application, I just need to make sure I can certify it and it hasn't expired. So I'm just having a quick look at the ID that we last did. Yep. So it's That's valid it. until 2028. So what I'll do oh, sorry. Did I go through Yeah.","start_word":5772,"end_word":5844,"sentiment":"neutral","sentiment_score":0.003668716410174966},{"text":"That's good.","start_word":5845,"end_word":5846,"sentiment":"positive","sentiment_score":0.35236412286758423},{"text":"That's you you should have that note. it then? Yep.","start_word":5847,"end_word":5856,"sentiment":"neutral","sentiment_score":0.1912592202425003},{"text":"Perfect. Thank you very much for that, David. That's come through all the time. It should give you a bit of an option to receive a a signed copy in your email.","start_word":5857,"end_word":5888,"sentiment":"positive","sentiment_score":0.46819180250167847},{"text":"So I signed up. So do I sign up for free or do we just what do I do with that? Oh, no. Just ignore that one. You don't have to sign Buy. up for anything there. Sweet. It's all linked through our CRM system. Yep. Alright. So what we would like to do is I'm just gonna get you booked in for the trauma application itself. Now bear in mind, I'll send you through a quote. The quotes have, like, a thirty day expiry on it, so I just wanted to make sure that, a, that you wanted to go ahead with it first before I send it through in case you do sign it and it expires two days later. And do you have any idea when would be a good time to go through that kind of fifteen, twenty minutes personal statement. With me, look, it it's taking miss Tom just, like like, today. Take a time late in the afternoon, and hopefully, I can I can make it? Yeah.","start_word":5889,"end_word":6061,"sentiment":"neutral","sentiment_score":0.10770501743334568},{"text":"Perfect.","start_word":6062,"end_word":6062,"sentiment":"positive","sentiment_score":0.6266329288482666},{"text":"So what I can do if it's easier is I'll send through the the quote today and tomorrow. And then from Monday onwards, I'll just get the team to try and touch base with you in the evening and see if they can catch you one of those days to get that submitted.","start_word":6063,"end_word":6115,"sentiment":"neutral","sentiment_score":0.2709245979785919},{"text":"Yeah. That sounds good. Perfect.","start_word":6116,"end_word":6120,"sentiment":"positive","sentiment_score":0.5695757865905762},{"text":"So what they'll do is, just a heads up, usual insurance applications, they'll talk about health, occupation, details, and things like that. Has there been any health changes for yourself the last twelve months or so? No. Perfect. Cool. If anything pops up, they'll pop it back to me. But, again, just keep an eye out for that quote. We'll post you out those beneficiary form, and then someone will be in touch next week to go through that application. Yep.","start_word":6121,"end_word":6201,"sentiment":"neutral","sentiment_score":0.14358268678188324},{"text":"Not a problem. Amazing.","start_word":6202,"end_word":6205,"sentiment":"positive","sentiment_score":0.4476196765899658},{"text":"And last thing, just because it is direct debit, you'll get to put in what details or accounts or cards you would like that to come out of, but they don't debit anything until the policy is actually accepted and enforced. Yeah. Not a problem.","start_word":6206,"end_word":6250,"sentiment":"neutral","sentiment_score":0.15894879400730133},{"text":"Perfect.","start_word":6251,"end_word":6251,"sentiment":"positive","sentiment_score":0.47660553455352783},{"text":"Could Now you that is quite a bit for forty minutes of an evening. Just on that, Tom, can you claim that back in on your your tax return? That forty, whatever it is, a week. No. I wish. So do No. I The trauma insurance is not tax deductible. right. So So how much how much is it? What we I can wish it would be. how much is it again, Sorry. sorry? It is I'll get the exact here for you. 42, Forty isn't it? $1.89 per month. Come on. Yeah. No. That's fine. Is that alright? Yeah. No. That's perfect.","start_word":6252,"end_word":6354,"sentiment":"neutral","sentiment_score":-0.005451791454106569},{"text":"Awesome.","start_word":6355,"end_word":6355,"sentiment":"positive","sentiment_score":0.5262343883514404},{"text":"Now I do apologize we have to go through quite a few different areas tonight, but do you have any other questions for me at this time?","start_word":6356,"end_word":6382,"sentiment":"neutral","sentiment_score":-0.023820683360099792},{"text":"No.","start_word":6383,"end_word":6383,"sentiment":"negative","sentiment_score":-0.33506709337234497},{"text":"Not for you. No, Tom.","start_word":6384,"end_word":6388,"sentiment":"neutral","sentiment_score":-0.18488174676895144},{"text":"That's good for me.","start_word":6389,"end_word":6392,"sentiment":"positive","sentiment_score":0.36045342683792114},{"text":"Just in beneficiaries and things, I did I did wanna get across the board. Oh, yeah.","start_word":6393,"end_word":6408,"sentiment":"neutral","sentiment_score":0.22405892610549927},{"text":"Easy done.","start_word":6409,"end_word":6410,"sentiment":"positive","sentiment_score":0.5313507318496704},{"text":"I'll get someone to post those out on Monday, I think, is our next postage run. Yeah. That's Give fine. us a buzz if there's any issues. The person who will likely be giving you a call next week on the evenings will be Jack.","start_word":6411,"end_word":6455,"sentiment":"neutral","sentiment_score":0.22358833253383636},{"text":"He's very good with insurance applications, very fast, doesn't like to waste your time, especially as an evening.","start_word":6456,"end_word":6473,"sentiment":"positive","sentiment_score":0.4161253869533539},{"text":"But if you do have any questions, he can pop you on to me as well. Yeah.","start_word":6474,"end_word":6490,"sentiment":"neutral","sentiment_score":0.26270437240600586},{"text":"Not a problem. Awesome, Dave. Have a fantastic weekend. All the best to you and the family, and, hopefully, I'll talk to you again soon. Thank you, Tom. Appreciate that. No worries at all. See you later. See you, mate.","start_word":6491,"end_word":6530,"sentiment":"positive","sentiment_score":0.6624852418899536},{"text":"Bye bye. Bye.","start_word":6531,"end_word":6533,"sentiment":"neutral","sentiment_score":0.18795783817768097}],"average":{"sentiment":"neutral","sentiment_score":0.0865432083240639}}}}