{"metadata":{"transaction_key":"deprecated","request_id":"019db80a-a4e8-7e13-8466-01779fc88903","sha256":"e25c80407379e4b5a06fdd722488d1bb482182db41caab6b5f08b6fb45925e99","created":"2026-04-23T01:53:21.674Z","duration":1191.672,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":4184,"output_tokens":118},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4666,"output_tokens":4676},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4666,"output_tokens":550}},"results":{"channels":[{"alternatives":[{"transcript":"Good morning, Daniel. It's Tommy here from Oakview Financial, one of the senior advisers. Mate, how are you doing today? I'm doing fantastic. It's a beautiful day today. I'm just giving you a call to go through your annual review, sir. Perfect. Perfect. So Perfect. So what I'll do, mate, if it's okay with you, is I'll go through a quick security check. I've got an annual review pack ready to send to your email address, and then I'll walk you through how the super is going, update a few details, and we should be good to go. Is that okay? Perfect, mate. Is it okay for the call to be recorded? Cool. And we do have a password on file for you for the security of your information. Do you remember what that password was? Perfect. Aced it. Fantastic. Thank you for that, Daniel. Now I'm gonna pop this pack off to your Outlook email, next stage civil. Is that still okay? Of course. Will you be able to look onto that email with me, or do you want me to kind of just walk you through what's there? So I'm sending you through an annual review pack with a few attachments there. Will you be able to look at those attachments with me today, or should I just kind of talk you through them? Easy done. Easy done. So just to let you know what I have sent, that pack includes your insurance information, super performance, an updated financial services guide with us, so updated licensing information. There is a service agreement as well if you're still comfortable to remain a client after the review, and a few other kind of little graphic packs for you if you're curious as well. Now when it comes to the current situation, before I go through your details, let's just jump into the super for a bit. Do you usually log in to your Hub twenty four account to keep an eye on it, or is it more just what you've heard on the news? That's alright. That's what you pay us for. I have done a bit of a deep dive on your super, basically, since you've been a client and also the last twelve months. Now what I can basically tell you is that what's happened in Iran over there, that's kind of impacted, obviously, interest rates, cost of living, stock market's gone up and down quite a bit, and most people's super has kind of gone down. So I'll give you a quick example of your balance for the last three months. Now twelve months ago, you were sitting at 85,000. You're now sitting at a 103,000. So you're still up for the year. You did have a little bit of a bounce down from when it was at a 102. It went down to 96 and then back up to $1.00 3. So it was only for about a month or so that it was going down, and it has kind of recovered since then. Brilliant question. So when it comes to averages, it does obviously fluctuate with the market. Sometimes you have bad years. Sometimes you have good years. You're still aiming for that kind of double digits. Right? So in terms of a percentage return, as long as we're getting, like, above 10%, you're pretty well on track. Does that make sense? Now your twelve month return after fees, 17 and a half percent. So you've still completely gone above target for the last twelve months. So you've actually got one of the strongest returns that I've seen this year even though you're in quite a high growth portfolio. Like, most everything that you have is in growth assets, shares, property, gold to try and get you those high long term returns. Does that ring a bell? Perfect. I'm gonna just grab open your portfolio here as well and check a couple of details. Now when it comes to your portfolio, we've got you in eight different options, and that's kind of split between, like, your gold, your shares, your property, all these different assets. Most all of them have had brilliant returns. Like, you've got some electronic vehicles in there. The old battery tech in lithium, that has gone up a 113%. Gold's up 30. Shares are up twenty, twenty, 17. You did have one of the options that have gone down about 10%. So I'm kind of keeping an eye on that one because seven out of eight have aced it. One of them is kind of chugging along a little bit slower. Now because you're in high growth, like I was saying before, 90% in, I guess, shares, property, growth assets. The whole idea there is you get your high returns, boost up your super. At some point, we do have to protect that because you don't wanna be 64 and lose half your super year before you go to retire. Does that make sense? So what I wanted to kind of ask you is based on that last review, you were still trying to retire as early as possible. We had you set down to a retirement age of 60 rather than waiting all the way to age pension age at 67 or 70. Is that still your main focus? Well, that's kind of how I no. I wouldn't go more aggressive. What I'm sort of trying to gauge is are you still okay to stay high growth until you get closer to retirement? And then once you've built up the million dollars, then we can slowly get it safer and safer in those last five to ten years. Does that does that make sense? Yep. Alright. We're on the same page there. And because you've got pretty much twenty years until preservation age to access your super, normally, high growth, you wanna be in it for at least ten. That's kind of the recommended time frame. The last ten years so let's say we grow up really hard for ten years. In the last ten, we'll slowly pull you back down. So instead of 90% shares of property, over that decade, it will go eighty, seventy, sixty, forty. And there at age 60, you get a nice, safe pension account to live off. And I think we had you wanting about 2,500 a week tax free in retirement. Okay. Alright. So we're aligned there. When it comes to your I'm just updating a few details because we have switched to a new system. I just wanna make sure everything's correct. Goals wise, you'd been self employed for quite a while in that 2025 review with Dana, and you were just trying to kind of build the business, pay down the mortgage. Does that still sound correct? Okay. And have you had any changes to the employment side? Because I think you're still with next stage civil. Yep. Still running that for for quite a while. I think we had income wise, you were pretty much just paying yourself, like, maybe a thousand bucks a week to live off, and the rest of it was being reinvested. Does that sound right? Okay. Okay. I'm just having a look there. We've still got contributions coming in, and you're pretty much putting in what seems to be about it looks around 400 a month or 400 a fortnight from what I can see coming in. Just have a look at the frequency there. Because, yeah, we've got a December one that came in. We've got February, March, April. Yeah. About 400 a month going in. So what that kind of works out for me is you've got about 4,800 going in concessional into your super. So that's where I'm gonna base all of the, like, projections and things on. Are you looking to increase that? Are you okay to continue that based on how you've got your your company structured? Yep. Yep. Now ramping it up towards the later forties is okay. We'll pretty much let the high growth portfolio do most of the heavy lifting for you. Contributions will still go in. That's great. But we'll look to kind of ramp that up. But is there anything else that's a real priority for you at the moment when it comes to you what you wanna do with your cash flow? Yep. Alright. Now I think as you're catching up, you're definitely catching up because I think the average super for your age is maybe around one twenty, and you're sitting at one zero three now. So you've definitely caught up the last couple of years quite quickly. So like I said, those investments over a ten year period will get you a really good return. It's just gonna be a roller coaster in between because anytime the news pops up with something, it's gonna go up and down, up and down. It's supposed to average out over that decade. Yep. So all all that really means, Daniel, is that in the good years, you get ten, twenty, 30, even 40% returns in the best years. And then once or twice in that decade, it's gonna drop 10 to 20%. And if you average out at 10 to 12, you're on track. K? Outside of that, going through a couple of things here, just quickly checking in on on family side of things. You're still married with the two children, dependent? Okay. Gannett Road, still correct for the address. K. Postal or previous address, we had Raymond Street. We've got Amanda as your next of kin slash emergency contact. Alright. Assets and liabilities just quickly as well. You had the earthmoving business, of course. We we kind of valued it tentatively at about 517,000 as well as truck, trailer, motorbike, and your home. K. Perfect. One thing I just wanna quickly clarify with you because it it just looks strange for me to see on a spreadsheet is your main home, we had you with a a a debt on your main home of about 620,000, but we had the value of about 18 and a half mil. Is there, like, a very large property, lots of Land there? So, also, there was an extra zero in there. So I wanted to just double check. So 1.85 makes sense. Alright. Since we got a couple of people there, those really big farmlands where they're like, yeah, they're gonna build electricity on there, and it could be sold to a company for 20 mils. So I just wanted to double check with you. Alright. Still got the old Land Cruisers. Alright. You seem to have quite a lot in vehicles, which is brilliant. Anything anything else in addition to that? No sort of shares, crypto, personal loans, anything we don't already have? Okay. Got that there. We did confirm that you did have an up to date will last year, and you had your power of attorney listed as your wife. That's all still current? Awesome. I'm going to just quickly check your beneficiary. You had your beneficiary for your super split between Amanda, Dylan, and Aiden, fifty twenty five twenty five. Are you still okay with that? I did just wanna double check with you because it is listed as nonbinding. So it's not technically legally binding until you get a witness on paper with a wet signature. Did you want me to get that updated so it's more, like, legally binding so the super fund has to do it, or are you still okay for it to be that that nonbinding? Because nonbinding is like an automatic one you do online. If you actually sign the document, they make it like, they force the super fund to do it in all cases. Do you want me to update that? Yep. And with that split, obviously, if the children are dependents, whoever receives that that money in their name and is their guardian will kind of look after it. Do you want it still split between the three? Do you want it all going to Amanda? Do you have a preference? Yeah. Perfect. And the last question I've got on that is do you want me to set it to expire every three years so that you have to review it or just let it be continuous and non lapsing? Yeah. That makes sense. Yep. Unless you change it. It just it's one of those things that if something significant happens, just we'll always prompt you to to update it if you need to. But I'll pretty much get them to put in a nonlapsing binding for you, and we can switch it over and get that up to date. When we send that out, if you got any questions, there'll be a cover letter with instructions. Just call the team, and they can walk you through it in about two minutes flat. Cool. When it comes to the insurance side of things, I was just gonna go through your MetLife policy and the documents I've sent and pretty much let you go. Is that okay? Cool. You've got the MetLife there. It's got an anniversary in December. So it's not too bad in the price, actually. You're only paying about $1.05 $6.07. And then off of that, you get a 15% tax rebate. So that's for your million dollars and 50,000 of life insurance, disability insurance, and you've even got income protection on top of that. So Amanda's listed as beneficiary for your life insurance. Perfect. Your income protection, just because that changes every year, let me just do a quick calculation because it bases it on 70%. Yeah. It's protecting an income of about 53 and a half thousand. That's what it's kind of based on on paper. So ninety day waiting period, if you're out of work for three months, it kicks in, pays you 3,000 just over 3,000 a month for up to five years. And with that million dollars of life insurance and total disability, that's gonna make a pretty big dent in loans and liabilities and things like that. Are you still comfortable with that amount? So it's a million and 50,000 if you were to pass away or can never work again. Now one of the things that we do, I keep an eye on this every year because once you hit the forties, it can start to creep up quite quickly in the price. It's only 1,500 now, but by the time you hit 50, it might be $6,000, $3,000, that kind of thing. So as you pay down debt, we tend to trim it down to keep on top of it. So it's not looking too bad now, but it might be something that we review in twelve months' time. K. Are you comfortable with how it is so far? Okeydoke. Everything's looking pretty up to date there. No major changes. Anything else you're focusing on for the next few years? Perfect. It's looking pretty straightforward. I'll keep an eye on this investment. We'll keep an eye on the anniversary for your MetLife policy. If there's anything crazy, we'll get in touch with you. Is there any other areas of advice that you wanted to explore? Any investing or anything like that? Yeah. You've got a bit of a small policy there with MetLife that covers your you've got one there, the income protection that covers, like, your paper income. So if you're paying out of your business that thousand bucks a week or give or take, that's currently insured. K. Is there anything you need above that? So it apologies. It's 53,000 worth of incomes being protected. So whatever's on paper there, like, let's say you're paying yourself a thousand bucks a week wages, you give them your tax return. If you can't work for a few months, they'll kick in 70% of that. K. Does that need to be changed, or is that alright? Amazing. Alright. Any other questions for me so far, Daniel, before I let you go? Cool. Just letting you know that that package through to your email now with next stage civil outlook dot com. It's got all the attachments there. There'll be a link there for the service agreement. Now I did wanna double check. Are you still comfortable to remain a client with Ophiu? Cool. So the fee should still be 1.65%, paid monthly throughout for the super. Once you get to 600,000, we do cap it. Okay? I'm just gonna double check your service dates on hub twenty four and then let you go. So just bear in mind that the service agreement expires on the August 1, So we do have that refresh one there for you. And would you like me to leave it as yearly reviews, or would you like me to switch it to, like, quarterly contact, six monthly contact? Yep. Quarterly. I'll make sure that's flagged on your account, and we'll probably give you a buzz. I've got I'll be on paternity leave in June, so I'll probably pencil in the call year around July, August. Thank you so much for that, Daniel. Anything else before I let you go, sir? Alright. You have a fantastic day, and thank you for your time. Thank you. 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morning, Daniel. It's Tommy here from Oakview Financial, one of the senior advisers. Mate, how are you doing today? I'm doing fantastic. It's a beautiful day today.\n\nI'm just giving you a call to go through your annual review, sir. Perfect. Perfect. So Perfect. So what I'll do, mate, if it's okay with you, is I'll go through a quick security check.\n\nI've got an annual review pack ready to send to your email address, and then I'll walk you through how the super is going, update a few details, and we should be good to go. Is that okay? Perfect, mate. Is it okay for the call to be recorded? Cool.\n\nAnd we do have a password on file for you for the security of your information. Do you remember what that password was? Perfect. Aced it. Fantastic.\n\nThank you for that, Daniel. Now I'm gonna pop this pack off to your Outlook email, next stage civil. Is that still okay? Of course. Will you be able to look onto that email with me, or do you want me to kind of just walk you through what's there?\n\nSo I'm sending you through an annual review pack with a few attachments there. Will you be able to look at those attachments with me today, or should I just kind of talk you through them? Easy done. Easy done. So just to let you know what I have sent, that pack includes your insurance information, super performance, an updated financial services guide with us, so updated licensing information.\n\nThere is a service agreement as well if you're still comfortable to remain a client after the review, and a few other kind of little graphic packs for you if you're curious as well. Now when it comes to the current situation, before I go through your details, let's just jump into the super for a bit. Do you usually log in to your Hub twenty four account to keep an eye on it, or is it more just what you've heard on the news? That's alright. That's what you pay us for.\n\nI have done a bit of a deep dive on your super, basically, since you've been a client and also the last twelve months. Now what I can basically tell you is that what's happened in Iran over there, that's kind of impacted, obviously, interest rates, cost of living, stock market's gone up and down quite a bit, and most people's super has kind of gone down. So I'll give you a quick example of your balance for the last three months. Now twelve months ago, you were sitting at 85,000. You're now sitting at a 103,000.\n\nSo you're still up for the year. You did have a little bit of a bounce down from when it was at a 102. It went down to 96 and then back up to $1.00 3. So it was only for about a month or so that it was going down, and it has kind of recovered since then. Brilliant question.\n\nSo when it comes to averages, it does obviously fluctuate with the market. Sometimes you have bad years. Sometimes you have good years. You're still aiming for that kind of double digits. Right?\n\nSo in terms of a percentage return, as long as we're getting, like, above 10%, you're pretty well on track. Does that make sense? Now your twelve month return after fees, 17 and a half percent. So you've still completely gone above target for the last twelve months. So you've actually got one of the strongest returns that I've seen this year even though you're in quite a high growth portfolio.\n\nLike, most everything that you have is in growth assets, shares, property, gold to try and get you those high long term returns. Does that ring a bell? Perfect. I'm gonna just grab open your portfolio here as well and check a couple of details. Now when it comes to your portfolio, we've got you in eight different options, and that's kind of split between, like, your gold, your shares, your property, all these different assets.\n\nMost all of them have had brilliant returns. Like, you've got some electronic vehicles in there. The old battery tech in lithium, that has gone up a 113%. Gold's up 30. Shares are up twenty, twenty, 17.\n\nYou did have one of the options that have gone down about 10%. So I'm kind of keeping an eye on that one because seven out of eight have aced it. One of them is kind of chugging along a little bit slower. Now because you're in high growth, like I was saying before, 90% in, I guess, shares, property, growth assets. The whole idea there is you get your high returns, boost up your super.\n\nAt some point, we do have to protect that because you don't wanna be 64 and lose half your super year before you go to retire. Does that make sense? So what I wanted to kind of ask you is based on that last review, you were still trying to retire as early as possible. We had you set down to a retirement age of 60 rather than waiting all the way to age pension age at 67 or 70. Is that still your main focus?\n\nWell, that's kind of how I no. I wouldn't go more aggressive. What I'm sort of trying to gauge is are you still okay to stay high growth until you get closer to retirement? And then once you've built up the million dollars, then we can slowly get it safer and safer in those last five to ten years. Does that does that make sense?\n\nYep. Alright. We're on the same page there. And because you've got pretty much twenty years until preservation age to access your super, normally, high growth, you wanna be in it for at least ten. That's kind of the recommended time frame.\n\nThe last ten years so let's say we grow up really hard for ten years. In the last ten, we'll slowly pull you back down. So instead of 90% shares of property, over that decade, it will go eighty, seventy, sixty, forty. And there at age 60, you get a nice, safe pension account to live off. And I think we had you wanting about 2,500 a week tax free in retirement.\n\nOkay. Alright. So we're aligned there. When it comes to your I'm just updating a few details because we have switched to a new system. I just wanna make sure everything's correct.\n\nGoals wise, you'd been self employed for quite a while in that 2025 review with Dana, and you were just trying to kind of build the business, pay down the mortgage. Does that still sound correct? Okay. And have you had any changes to the employment side? Because I think you're still with next stage civil.\n\nYep. Still running that for for quite a while. I think we had income wise, you were pretty much just paying yourself, like, maybe a thousand bucks a week to live off, and the rest of it was being reinvested. Does that sound right? Okay.\n\nOkay. I'm just having a look there. We've still got contributions coming in, and you're pretty much putting in what seems to be about it looks around 400 a month or 400 a fortnight from what I can see coming in. Just have a look at the frequency there. Because, yeah, we've got a December one that came in.\n\nWe've got February, March, April. Yeah. About 400 a month going in. So what that kind of works out for me is you've got about 4,800 going in concessional into your super. So that's where I'm gonna base all of the, like, projections and things on.\n\nAre you looking to increase that? Are you okay to continue that based on how you've got your your company structured? Yep. Yep. Now ramping it up towards the later forties is okay.\n\nWe'll pretty much let the high growth portfolio do most of the heavy lifting for you. Contributions will still go in. That's great. But we'll look to kind of ramp that up. But is there anything else that's a real priority for you at the moment when it comes to you what you wanna do with your cash flow?\n\nYep. Alright. Now I think as you're catching up, you're definitely catching up because I think the average super for your age is maybe around one twenty, and you're sitting at one zero three now. So you've definitely caught up the last couple of years quite quickly. So like I said, those investments over a ten year period will get you a really good return.\n\nIt's just gonna be a roller coaster in between because anytime the news pops up with something, it's gonna go up and down, up and down. It's supposed to average out over that decade. Yep. So all all that really means, Daniel, is that in the good years, you get ten, twenty, 30, even 40% returns in the best years. And then once or twice in that decade, it's gonna drop 10 to 20%.\n\nAnd if you average out at 10 to 12, you're on track. K? Outside of that, going through a couple of things here, just quickly checking in on on family side of things. You're still married with the two children, dependent? Okay.\n\nGannett Road, still correct for the address. K. Postal or previous address, we had Raymond Street. We've got Amanda as your next of kin slash emergency contact. Alright.\n\nAssets and liabilities just quickly as well. You had the earthmoving business, of course. We we kind of valued it tentatively at about 517,000 as well as truck, trailer, motorbike, and your home. K. Perfect.\n\nOne thing I just wanna quickly clarify with you because it it just looks strange for me to see on a spreadsheet is your main home, we had you with a a a debt on your main home of about 620,000, but we had the value of about 18 and a half mil. Is there, like, a very large property, lots of Land there? So, also, there was an extra zero in there. So I wanted to just double check. So 1.85 makes sense.\n\nAlright. Since we got a couple of people there, those really big farmlands where they're like, yeah, they're gonna build electricity on there, and it could be sold to a company for 20 mils. So I just wanted to double check with you. Alright. Still got the old Land Cruisers.\n\nAlright. You seem to have quite a lot in vehicles, which is brilliant. Anything anything else in addition to that? No sort of shares, crypto, personal loans, anything we don't already have? Okay.\n\nGot that there. We did confirm that you did have an up to date will last year, and you had your power of attorney listed as your wife. That's all still current? Awesome. I'm going to just quickly check your beneficiary.\n\nYou had your beneficiary for your super split between Amanda, Dylan, and Aiden, fifty twenty five twenty five. Are you still okay with that? I did just wanna double check with you because it is listed as nonbinding. So it's not technically legally binding until you get a witness on paper with a wet signature. Did you want me to get that updated so it's more, like, legally binding so the super fund has to do it, or are you still okay for it to be that that nonbinding?\n\nBecause nonbinding is like an automatic one you do online. If you actually sign the document, they make it like, they force the super fund to do it in all cases. Do you want me to update that? Yep. And with that split, obviously, if the children are dependents, whoever receives that that money in their name and is their guardian will kind of look after it.\n\nDo you want it still split between the three? Do you want it all going to Amanda? Do you have a preference? Yeah. Perfect.\n\nAnd the last question I've got on that is do you want me to set it to expire every three years so that you have to review it or just let it be continuous and non lapsing? Yeah. That makes sense. Yep. Unless you change it.\n\nIt just it's one of those things that if something significant happens, just we'll always prompt you to to update it if you need to. But I'll pretty much get them to put in a nonlapsing binding for you, and we can switch it over and get that up to date. When we send that out, if you got any questions, there'll be a cover letter with instructions. Just call the team, and they can walk you through it in about two minutes flat. Cool.\n\nWhen it comes to the insurance side of things, I was just gonna go through your MetLife policy and the documents I've sent and pretty much let you go. Is that okay? Cool. You've got the MetLife there. It's got an anniversary in December.\n\nSo it's not too bad in the price, actually. You're only paying about $1.05 $6.07. And then off of that, you get a 15% tax rebate. So that's for your million dollars and 50,000 of life insurance, disability insurance, and you've even got income protection on top of that. So Amanda's listed as beneficiary for your life insurance.\n\nPerfect. Your income protection, just because that changes every year, let me just do a quick calculation because it bases it on 70%. Yeah. It's protecting an income of about 53 and a half thousand. That's what it's kind of based on on paper.\n\nSo ninety day waiting period, if you're out of work for three months, it kicks in, pays you 3,000 just over 3,000 a month for up to five years. And with that million dollars of life insurance and total disability, that's gonna make a pretty big dent in loans and liabilities and things like that. Are you still comfortable with that amount? So it's a million and 50,000 if you were to pass away or can never work again. Now one of the things that we do, I keep an eye on this every year because once you hit the forties, it can start to creep up quite quickly in the price.\n\nIt's only 1,500 now, but by the time you hit 50, it might be $6,000, $3,000, that kind of thing. So as you pay down debt, we tend to trim it down to keep on top of it. So it's not looking too bad now, but it might be something that we review in twelve months' time. K. Are you comfortable with how it is so far?\n\nOkeydoke. Everything's looking pretty up to date there. No major changes. Anything else you're focusing on for the next few years? Perfect.\n\nIt's looking pretty straightforward. I'll keep an eye on this investment. We'll keep an eye on the anniversary for your MetLife policy. If there's anything crazy, we'll get in touch with you. Is there any other areas of advice that you wanted to explore?\n\nAny investing or anything like that? Yeah. You've got a bit of a small policy there with MetLife that covers your you've got one there, the income protection that covers, like, your paper income. So if you're paying out of your business that thousand bucks a week or give or take, that's currently insured. K.\n\nIs there anything you need above that? So it apologies. It's 53,000 worth of incomes being protected. So whatever's on paper there, like, let's say you're paying yourself a thousand bucks a week wages, you give them your tax return. If you can't work for a few months, they'll kick in 70% of that.\n\nK. Does that need to be changed, or is that alright? Amazing. Alright. Any other questions for me so far, Daniel, before I let you go?\n\nCool. Just letting you know that that package through to your email now with next stage civil outlook dot com. It's got all the attachments there. There'll be a link there for the service agreement. Now I did wanna double check.\n\nAre you still comfortable to remain a client with Ophiu? Cool. So the fee should still be 1.65%, paid monthly throughout for the super. Once you get to 600,000, we do cap it. Okay?\n\nI'm just gonna double check your service dates on hub twenty four and then let you go. So just bear in mind that the service agreement expires on the August 1, So we do have that refresh one there for you. And would you like me to leave it as yearly reviews, or would you like me to switch it to, like, quarterly contact, six monthly contact? Yep. Quarterly.\n\nI'll make sure that's flagged on your account, and we'll probably give you a buzz. I've got I'll be on paternity leave in June, so I'll probably pencil in the call year around July, August. Thank you so much for that, Daniel. Anything else before I let you go, sir? Alright.\n\nYou have a fantastic day, and thank you for your time. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Daniel.","start":4.72,"end":5.68,"sentiment":"neutral","sentiment_score":0.18327592313289642},{"text":"It's Tommy here from Oakview Financial, one of the senior advisers.","start":5.68,"end":8.72,"sentiment":"neutral","sentiment_score":0.1335731873458082},{"text":"Mate, how are you doing today?","start":8.72,"end":9.94,"sentiment":"neutral","sentiment_score":0.1754399612545967},{"text":"I'm doing fantastic.","start":11.28,"end":12.66,"sentiment":"positive","sentiment_score":0.7513473232587179},{"text":"It's a beautiful day today.","start":12.799999,"end":14.235,"sentiment":"positive","sentiment_score":0.7693177461624146}],"sentiment":"neutral","sentiment_score":0.3275858320827995,"num_words":28,"start":4.72,"end":14.235},{"sentences":[{"text":"I'm just giving you a call to go through your annual review, sir.","start":14.315,"end":17.375,"sentiment":"neutral","sentiment_score":0.24772491248754355},{"text":"Perfect.","start":20.395,"end":20.795,"sentiment":"positive","sentiment_score":0.391666054725647},{"text":"Perfect.","start":20.795,"end":21.195,"sentiment":"neutral","sentiment_score":0.2883104085922241},{"text":"So Perfect.","start":21.195,"end":29.369999,"sentiment":"neutral","sentiment_score":0.17727801576256752},{"text":"So what I'll do, mate, if it's okay with you, is I'll go through a quick security check.","start":29.369999,"end":33.47,"sentiment":"neutral","sentiment_score":0.13671744242310524}],"sentiment":"neutral","sentiment_score":0.19188200916562761,"num_words":35,"start":14.315,"end":33.47},{"sentences":[{"text":"I've got an annual review pack ready to send to your email address, and then I'll walk you through how the super is going, update a few details, and we should be good to go.","start":33.53,"end":43.015,"sentiment":"neutral","sentiment_score":0.22927852336849486},{"text":"Is that okay?","start":43.015,"end":43.835,"sentiment":"neutral","sentiment_score":0.12102049340804417},{"text":"Perfect, mate.","start":45.575,"end":46.215,"sentiment":"neutral","sentiment_score":0.27558302879333496},{"text":"Is it okay for the call to be recorded?","start":46.215,"end":48.635,"sentiment":"neutral","sentiment_score":0.09194948358668222},{"text":"Cool.","start":51.255,"end":51.735,"sentiment":"neutral","sentiment_score":0.20216310024261477}],"sentiment":"neutral","sentiment_score":0.19937368616461754,"num_words":50,"start":33.53,"end":51.735},{"sentences":[{"text":"And we do have a password on file for you for the security of your information.","start":51.735,"end":56.99,"sentiment":"neutral","sentiment_score":0.11497060721740127},{"text":"Do you remember what that password was?","start":56.99,"end":58.77,"sentiment":"neutral","sentiment_score":0.06247698409216745},{"text":"Perfect.","start":64.75,"end":65.25,"sentiment":"positive","sentiment_score":0.386945903301239},{"text":"Aced it.","start":65.55,"end":66.19,"sentiment":"positive","sentiment_score":0.4272967129945755},{"text":"Fantastic.","start":66.19,"end":66.69,"sentiment":"positive","sentiment_score":0.5298045873641968}],"sentiment":"neutral","sentiment_score":0.1499337970658585,"num_words":27,"start":51.735,"end":66.69},{"sentences":[{"text":"Thank you for that, Daniel.","start":66.83,"end":67.97,"sentiment":"positive","sentiment_score":0.5325007677078247},{"text":"Now I'm gonna pop this pack off to your Outlook email, next stage civil.","start":68.795,"end":73.854996,"sentiment":"neutral","sentiment_score":0.1844480506011418},{"text":"Is that still okay?","start":73.994995,"end":75.454994,"sentiment":"neutral","sentiment_score":0.1145483311265707},{"text":"Of course.","start":77.274994,"end":77.91499,"sentiment":"neutral","sentiment_score":0.07459502667188644},{"text":"Will you be able to look onto that email with me, or do you want me to kind of just walk you through what's there?","start":77.91499,"end":82.814995,"sentiment":"neutral","sentiment_score":0.06071813762187958}],"sentiment":"neutral","sentiment_score":0.1474022673070431,"num_words":50,"start":66.83,"end":82.814995},{"sentences":[{"text":"So I'm sending you through an annual review pack with a few attachments there.","start":85.47,"end":89.07,"sentiment":"neutral","sentiment_score":0.01171538104037089},{"text":"Will you be able to look at those attachments with me today, or should I just kind of talk you through them?","start":89.07,"end":93.89,"sentiment":"neutral","sentiment_score":0.01814597514881329},{"text":"Easy done.","start":97.405,"end":97.965004,"sentiment":"neutral","sentiment_score":0.27300333976745605},{"text":"Easy done.","start":97.965004,"end":98.765,"sentiment":"neutral","sentiment_score":0.2247423529624939},{"text":"So just to let you know what I have sent, that pack includes your insurance information, super performance, an updated financial services guide with us, so updated licensing information.","start":98.765,"end":110.509995,"sentiment":"neutral","sentiment_score":0.09138161380743158}],"sentiment":"neutral","sentiment_score":0.060996883677021746,"num_words":69,"start":85.47,"end":110.509995},{"sentences":[{"text":"There is a service agreement as well if you're still comfortable to remain a client after the review, and a few other kind of little graphic packs for you if you're curious as well.","start":110.97,"end":122.27,"sentiment":"neutral","sentiment_score":0.20094479620456696},{"text":"Now when it comes to the current situation, before I go through your details, let's just jump into the super for a bit.","start":122.775,"end":129.035,"sentiment":"neutral","sentiment_score":0.018650891097343487},{"text":"Do you usually log in to your Hub twenty four account to keep an eye on it, or is it more just what you've heard on the news?","start":129.175,"end":134.795,"sentiment":"neutral","sentiment_score":0.01665447123481759},{"text":"That's alright.","start":142.05,"end":142.53,"sentiment":"neutral","sentiment_score":0.07719557546079159},{"text":"That's what you pay us for.","start":142.53,"end":143.99,"sentiment":"neutral","sentiment_score":0.13666346669197083}],"sentiment":"neutral","sentiment_score":0.09356764206282234,"num_words":93,"start":110.97,"end":143.99},{"sentences":[{"text":"I have done a bit of a deep dive on your super, basically, since you've been a client and also the last twelve months.","start":144.37001,"end":150.875,"sentiment":"neutral","sentiment_score":0.04140380583703518},{"text":"Now what I can basically tell you is that what's happened in Iran over there, that's kind of impacted, obviously, interest rates, cost of living, stock market's gone up and down quite a bit, and most people's super has kind of gone down.","start":151.335,"end":164.51,"sentiment":"neutral","sentiment_score":-0.16964557273096817},{"text":"So I'll give you a quick example of your balance for the last three months.","start":164.65,"end":169.95,"sentiment":"neutral","sentiment_score":-0.003723817815383275},{"text":"Now twelve months ago, you were sitting at 85,000.","start":171.20999,"end":175.29,"sentiment":"neutral","sentiment_score":-0.004209817024982638},{"text":"You're now sitting at a 103,000.","start":175.29,"end":177.39,"sentiment":"neutral","sentiment_score":0.05110130086541176}],"sentiment":"neutral","sentiment_score":-0.06276501136707123,"num_words":97,"start":144.37001,"end":177.39},{"sentences":[{"text":"So you're still up for the year.","start":177.405,"end":179.025,"sentiment":"neutral","sentiment_score":0.17125649856669561},{"text":"You did have a little bit of a bounce down from when it was at a 102.","start":180.205,"end":183.885,"sentiment":"neutral","sentiment_score":-0.0831008163445136},{"text":"It went down to 96 and then back up to $1.00 3.","start":183.885,"end":187.265,"sentiment":"neutral","sentiment_score":-0.0802345455934604},{"text":"So it was only for about a month or so that it was going down, and it has kind of recovered since then.","start":187.485,"end":193.38,"sentiment":"neutral","sentiment_score":-0.1552963922529117},{"text":"Brilliant question.","start":214.11499,"end":215.075,"sentiment":"positive","sentiment_score":0.3934909552335739}],"sentiment":"neutral","sentiment_score":-0.06494373846493784,"num_words":61,"start":177.405,"end":215.075},{"sentences":[{"text":"So when it comes to averages, it does obviously fluctuate with the market.","start":215.075,"end":219.89,"sentiment":"neutral","sentiment_score":-0.019724918959232476},{"text":"Sometimes you have bad years.","start":219.89,"end":221.09,"sentiment":"neutral","sentiment_score":-0.1943003237247467},{"text":"Sometimes you have good years.","start":221.09,"end":222.47,"sentiment":"neutral","sentiment_score":-0.055579569190740585},{"text":"You're still aiming for that kind of double digits.","start":222.93,"end":225.65,"sentiment":"positive","sentiment_score":0.3638131982750363},{"text":"Right?","start":225.65,"end":226.12999,"sentiment":"neutral","sentiment_score":0.21275711059570312}],"sentiment":"neutral","sentiment_score":0.060037954061320335,"num_words":33,"start":215.075,"end":226.12999},{"sentences":[{"text":"So in terms of a percentage return, as long as we're getting, like, above 10%, you're pretty well on track.","start":226.12999,"end":232.04999,"sentiment":"positive","sentiment_score":0.4418885812163353},{"text":"Does that make sense?","start":232.04999,"end":233.18999,"sentiment":"neutral","sentiment_score":0.21843725442886353},{"text":"Now your twelve month return after fees, 17 and a half percent.","start":234.865,"end":240.245,"sentiment":"neutral","sentiment_score":0.25681234151124954},{"text":"So you've still completely gone above target for the last twelve months.","start":240.385,"end":245.045,"sentiment":"positive","sentiment_score":0.3899734454850356},{"text":"So you've actually got one of the strongest returns that I've seen this year even though you're in quite a high growth portfolio.","start":248.31999,"end":256.74,"sentiment":"positive","sentiment_score":0.5684833980124929}],"sentiment":"positive","sentiment_score":0.4302544822575341,"num_words":71,"start":226.12999,"end":256.74},{"sentences":[{"text":"Like, most everything that you have is in growth assets, shares, property, gold to try and get you those high long term returns.","start":256.96,"end":264.025,"sentiment":"positive","sentiment_score":0.44733154125835584},{"text":"Does that ring a bell?","start":264.025,"end":265.165,"sentiment":"neutral","sentiment_score":0.2690201044082642},{"text":"Perfect.","start":267.385,"end":267.885,"sentiment":"positive","sentiment_score":0.5843905806541443},{"text":"I'm gonna just grab open your portfolio here as well and check a couple of details.","start":267.945,"end":273.565,"sentiment":"neutral","sentiment_score":0.2871614694595337},{"text":"Now when it comes to your portfolio, we've got you in eight different options, and that's kind of split between, like, your gold, your shares, your property, all these different assets.","start":273.68,"end":281.7,"sentiment":"neutral","sentiment_score":0.1428903957768794}],"sentiment":"neutral","sentiment_score":0.279503978053598,"num_words":76,"start":256.96,"end":281.7},{"sentences":[{"text":"Most all of them have had brilliant returns.","start":282.24,"end":285.28,"sentiment":"positive","sentiment_score":0.5960133895277977},{"text":"Like, you've got some electronic vehicles in there.","start":285.28,"end":287.865,"sentiment":"positive","sentiment_score":0.33935850113630295},{"text":"The old battery tech in lithium, that has gone up a 113%.","start":288.10498,"end":292.285,"sentiment":"neutral","sentiment_score":0.18442151447137198},{"text":"Gold's up 30.","start":293.22498,"end":294.365,"sentiment":"neutral","sentiment_score":0.14906672636667886},{"text":"Shares are up twenty, twenty, 17.","start":294.585,"end":296.685,"sentiment":"neutral","sentiment_score":0.1343275544544061}],"sentiment":"neutral","sentiment_score":0.29592429202150655,"num_words":37,"start":282.24,"end":296.685},{"sentences":[{"text":"You did have one of the options that have gone down about 10%.","start":296.985,"end":300.125,"sentiment":"neutral","sentiment_score":0.030234610232023094},{"text":"So I'm kind of keeping an eye on that one because seven out of eight have aced it.","start":300.345,"end":305.79,"sentiment":"neutral","sentiment_score":0.14781266823410988},{"text":"One of them is kind of chugging along a little bit slower.","start":305.79,"end":308.69,"sentiment":"neutral","sentiment_score":-0.23063647001981735},{"text":"Now because you're in high growth, like I was saying before, 90% in, I guess, shares, property, growth assets.","start":312.11,"end":319.745,"sentiment":"neutral","sentiment_score":0.030695246924695215},{"text":"The whole idea there is you get your high returns, boost up your super.","start":319.965,"end":323.82498,"sentiment":"neutral","sentiment_score":0.19427816037620818}],"sentiment":"neutral","sentiment_score":0.047225582339849914,"num_words":76,"start":296.985,"end":323.82498},{"sentences":[{"text":"At some point, we do have to protect that because you don't wanna be 64 and lose half your super year before you go to retire.","start":324.04498,"end":331.88498,"sentiment":"neutral","sentiment_score":-0.05747229491288845},{"text":"Does that make sense?","start":331.88498,"end":332.945,"sentiment":"neutral","sentiment_score":0.04369485192000866},{"text":"So what I wanted to kind of ask you is based on that last review, you were still trying to retire as early as possible.","start":335.08,"end":343.48,"sentiment":"neutral","sentiment_score":0.0064358656108379365},{"text":"We had you set down to a retirement age of 60 rather than waiting all the way to age pension age at 67 or 70.","start":343.48,"end":351.03497,"sentiment":"neutral","sentiment_score":0.06163978487253189},{"text":"Is that still your main focus?","start":351.25497,"end":352.955,"sentiment":"neutral","sentiment_score":0.08194231676558654}],"sentiment":"neutral","sentiment_score":0.010163312821194183,"num_words":86,"start":324.04498,"end":352.955},{"sentences":[{"text":"Well, that's kind of how I no.","start":362.15,"end":366.55,"sentiment":"neutral","sentiment_score":-0.07337578093366963},{"text":"I wouldn't go more aggressive.","start":366.55,"end":367.99,"sentiment":"neutral","sentiment_score":-0.2612216055393219},{"text":"What I'm sort of trying to gauge is are you still okay to stay high growth until you get closer to retirement?","start":367.99,"end":374.905,"sentiment":"neutral","sentiment_score":-0.01599021645432169},{"text":"And then once you've built up the million dollars, then we can slowly get it safer and safer in those last five to ten years.","start":374.905,"end":380.845,"sentiment":"neutral","sentiment_score":0.17235019207000732},{"text":"Does that does that make sense?","start":380.905,"end":382.365,"sentiment":"neutral","sentiment_score":0.0924764225880305}],"sentiment":"neutral","sentiment_score":0.04141677047770757,"num_words":65,"start":362.15,"end":382.365},{"sentences":[{"text":"Yep.","start":384.825,"end":385.23,"sentiment":"neutral","sentiment_score":0.151253342628479},{"text":"Alright.","start":385.31,"end":385.55002,"sentiment":"neutral","sentiment_score":0.23549777269363403},{"text":"We're on the same page there.","start":385.55002,"end":387.01,"sentiment":"neutral","sentiment_score":0.2639092182119687},{"text":"And because you've got pretty much twenty years until preservation age to access your super, normally, high growth, you wanna be in it for at least ten.","start":387.15002,"end":396.45,"sentiment":"neutral","sentiment_score":0.10058282550286364},{"text":"That's kind of the recommended time frame.","start":397.15002,"end":399.41,"sentiment":"neutral","sentiment_score":0.042927325037973266}],"sentiment":"neutral","sentiment_score":0.11872461877231087,"num_words":42,"start":384.825,"end":399.41},{"sentences":[{"text":"The last ten years so let's say we grow up really hard for ten years.","start":399.69498,"end":403.155,"sentiment":"neutral","sentiment_score":-0.08067738587657611},{"text":"In the last ten, we'll slowly pull you back down.","start":403.455,"end":406.495,"sentiment":"neutral","sentiment_score":-0.004647086933255195},{"text":"So instead of 90% shares of property, over that decade, it will go eighty, seventy, sixty, forty.","start":406.495,"end":412.115,"sentiment":"neutral","sentiment_score":0.12262734814601786},{"text":"And there at age 60, you get a nice, safe pension account to live off.","start":412.4,"end":416.82,"sentiment":"neutral","sentiment_score":0.2780684302250544},{"text":"And I think we had you wanting about 2,500 a week tax free in retirement.","start":418.80002,"end":423.14,"sentiment":"neutral","sentiment_score":0.08587007174889247}],"sentiment":"neutral","sentiment_score":0.08732098320292102,"num_words":72,"start":399.69498,"end":423.14},{"sentences":[{"text":"Okay.","start":426.975,"end":427.475,"sentiment":"neutral","sentiment_score":0.1750986874103546},{"text":"Alright.","start":427.775,"end":428.175,"sentiment":"neutral","sentiment_score":0.2282331883907318},{"text":"So we're aligned there.","start":428.175,"end":429.395,"sentiment":"neutral","sentiment_score":0.2638489529490471},{"text":"When it comes to your I'm just updating a few details because we have switched to a new system.","start":429.69498,"end":434.57498,"sentiment":"neutral","sentiment_score":0.2042423376911565},{"text":"I just wanna make sure everything's correct.","start":434.57498,"end":436.435,"sentiment":"neutral","sentiment_score":0.23032454081944057}],"sentiment":"neutral","sentiment_score":0.21723762154579163,"num_words":32,"start":426.975,"end":436.435},{"sentences":[{"text":"Goals wise, you'd been self employed for quite a while in that 2025 review with Dana, and you were just trying to kind of build the business, pay down the mortgage.","start":436.895,"end":447.81998,"sentiment":"neutral","sentiment_score":0.1902877106781929},{"text":"Does that still sound correct?","start":447.81998,"end":449.36,"sentiment":"neutral","sentiment_score":0.14832157492637635},{"text":"Okay.","start":453.67502,"end":453.995,"sentiment":"neutral","sentiment_score":0.025126976892352104},{"text":"And have you had any changes to the employment side?","start":453.995,"end":456.39502,"sentiment":"neutral","sentiment_score":-0.013840323500335216},{"text":"Because I think you're still with next stage civil.","start":456.39502,"end":459.055,"sentiment":"neutral","sentiment_score":-0.015851096767518256}],"sentiment":"neutral","sentiment_score":0.11401054958280708,"num_words":56,"start":436.895,"end":459.055},{"sentences":[{"text":"Yep.","start":462.475,"end":462.975,"sentiment":"neutral","sentiment_score":0.19485366344451904},{"text":"Still running that for for quite a while.","start":463.115,"end":465.695,"sentiment":"neutral","sentiment_score":0.10530715808272362},{"text":"I think we had income wise, you were pretty much just paying yourself, like, maybe a thousand bucks a week to live off, and the rest of it was being reinvested.","start":465.755,"end":473.76,"sentiment":"neutral","sentiment_score":0.08711033086142232},{"text":"Does that sound right?","start":473.82,"end":474.88,"sentiment":"neutral","sentiment_score":0.11251242458820343},{"text":"Okay.","start":486.63498,"end":486.79498,"sentiment":"neutral","sentiment_score":0.06203363835811615}],"sentiment":"neutral","sentiment_score":0.09444032270047399,"num_words":45,"start":462.475,"end":486.79498},{"sentences":[{"text":"Okay.","start":486.79498,"end":487.29498,"sentiment":"neutral","sentiment_score":0.06499864161014557},{"text":"I'm just having a look there.","start":489.035,"end":490.235,"sentiment":"neutral","sentiment_score":0.09195075804988544},{"text":"We've still got contributions coming in, and you're pretty much putting in what seems to be about it looks around 400 a month or 400 a fortnight from what I can see coming in.","start":490.235,"end":502.56,"sentiment":"neutral","sentiment_score":0.09508541785180569},{"text":"Just have a look at the frequency there.","start":505.195,"end":507.21503,"sentiment":"neutral","sentiment_score":0.08923729974776506},{"text":"Because, yeah, we've got a December one that came in.","start":507.915,"end":510.73502,"sentiment":"neutral","sentiment_score":0.11220002323389053}],"sentiment":"neutral","sentiment_score":0.09636450893545555,"num_words":59,"start":486.79498,"end":510.73502},{"sentences":[{"text":"We've got February, March, April.","start":511.11502,"end":516.97504,"sentiment":"neutral","sentiment_score":0.09439442157745362},{"text":"Yeah.","start":517.195,"end":517.435,"sentiment":"neutral","sentiment_score":0.1126282438635826},{"text":"About 400 a month going in.","start":517.435,"end":519.39,"sentiment":"neutral","sentiment_score":0.12858879566192627},{"text":"So what that kind of works out for me is you've got about 4,800 going in concessional into your super.","start":520.11,"end":527.47003,"sentiment":"neutral","sentiment_score":0.2421842820942402},{"text":"So that's where I'm gonna base all of the, like, projections and things on.","start":527.47003,"end":531.57,"sentiment":"neutral","sentiment_score":0.19823939725756645}],"sentiment":"neutral","sentiment_score":0.19511239846115527,"num_words":46,"start":511.11502,"end":531.57},{"sentences":[{"text":"Are you looking to increase that?","start":532.145,"end":534.22504,"sentiment":"neutral","sentiment_score":0.13341666385531425},{"text":"Are you okay to continue that based on how you've got your your company structured?","start":534.22504,"end":538.565,"sentiment":"neutral","sentiment_score":0.13224324186642963},{"text":"Yep.","start":545.51996,"end":546.01996,"sentiment":"neutral","sentiment_score":0.18583372235298157},{"text":"Yep.","start":552.95996,"end":553.45996,"sentiment":"neutral","sentiment_score":0.2462809979915619},{"text":"Now ramping it up towards the later forties is okay.","start":554.88,"end":557.45996,"sentiment":"positive","sentiment_score":0.3453528255224228}],"sentiment":"neutral","sentiment_score":0.20211489656657883,"num_words":33,"start":532.145,"end":557.45996},{"sentences":[{"text":"We'll pretty much let the high growth portfolio do most of the heavy lifting for you.","start":559.34503,"end":563.825,"sentiment":"positive","sentiment_score":0.46294115111231804},{"text":"Contributions will still go in.","start":563.825,"end":565.10504,"sentiment":"positive","sentiment_score":0.4125316977500916},{"text":"That's great.","start":565.10504,"end":565.84503,"sentiment":"positive","sentiment_score":0.6359290480613708},{"text":"But we'll look to kind of ramp that up.","start":566.065,"end":568.385,"sentiment":"neutral","sentiment_score":0.27548963328202564},{"text":"But is there anything else that's a real priority for you at the moment when it comes to you what you wanna do with your cash flow?","start":568.385,"end":573.96,"sentiment":"neutral","sentiment_score":0.16494614023853232}],"sentiment":"neutral","sentiment_score":0.2995682625194727,"num_words":59,"start":559.34503,"end":573.96},{"sentences":[{"text":"Yep.","start":591.175,"end":591.675,"sentiment":"neutral","sentiment_score":0.2165822684764862},{"text":"Alright.","start":593.415,"end":593.815,"sentiment":"neutral","sentiment_score":0.31188416481018066},{"text":"Now I think as you're catching up, you're definitely catching up because I think the average super for your age is maybe around one twenty, and you're sitting at one zero three now.","start":593.815,"end":603.31,"sentiment":"neutral","sentiment_score":0.3098577762191946},{"text":"So you've definitely caught up the last couple of years quite quickly.","start":603.31,"end":606.29,"sentiment":"positive","sentiment_score":0.537854957083861},{"text":"So like I said, those investments over a ten year period will get you a really good return.","start":606.58997,"end":611.32996,"sentiment":"positive","sentiment_score":0.6063912328746583}],"sentiment":"positive","sentiment_score":0.4326626880810811,"num_words":65,"start":591.175,"end":611.32996},{"sentences":[{"text":"It's just gonna be a roller coaster in between because anytime the news pops up with something, it's gonna go up and down, up and down.","start":611.47,"end":618.305,"sentiment":"neutral","sentiment_score":-0.1472733556651152},{"text":"It's supposed to average out over that decade.","start":618.305,"end":620.645,"sentiment":"neutral","sentiment_score":-0.09502067603170872},{"text":"Yep.","start":623.185,"end":623.425,"sentiment":"neutral","sentiment_score":0.21335004270076752},{"text":"So all all that really means, Daniel, is that in the good years, you get ten, twenty, 30, even 40% returns in the best years.","start":623.425,"end":631.26,"sentiment":"positive","sentiment_score":0.3437110614776611},{"text":"And then once or twice in that decade, it's gonna drop 10 to 20%.","start":631.34,"end":635.28,"sentiment":"neutral","sentiment_score":-0.08982388249465398}],"sentiment":"neutral","sentiment_score":0.0399908049887902,"num_words":74,"start":611.47,"end":635.28},{"sentences":[{"text":"And if you average out at 10 to 12, you're on track.","start":635.34,"end":638.96,"sentiment":"neutral","sentiment_score":0.19605378868679205},{"text":"K?","start":641.02,"end":641.52,"sentiment":"neutral","sentiment_score":0.04119031876325607},{"text":"Outside of that, going through a couple of things here, just quickly checking in on on family side of things.","start":642.62,"end":647.46497,"sentiment":"neutral","sentiment_score":0.021328199375420808},{"text":"You're still married with the two children, dependent?","start":647.765,"end":650.345,"sentiment":"neutral","sentiment_score":0.010122614388819784},{"text":"Okay.","start":652.40497,"end":652.90497,"sentiment":"neutral","sentiment_score":0.04389025270938873}],"sentiment":"neutral","sentiment_score":0.07012549853174105,"num_words":42,"start":635.34,"end":652.90497},{"sentences":[{"text":"Gannett Road, still correct for the address.","start":654.245,"end":656.745,"sentiment":"neutral","sentiment_score":0.042460955147232325},{"text":"K.","start":659.14,"end":659.64,"sentiment":"neutral","sentiment_score":0.017029935494065285},{"text":"Postal or previous address, we had Raymond Street.","start":660.74,"end":663.88,"sentiment":"neutral","sentiment_score":0.04189241596031934},{"text":"We've got Amanda as your next of kin slash emergency contact.","start":664.9,"end":669.64,"sentiment":"neutral","sentiment_score":0.10450682314959439},{"text":"Alright.","start":672.195,"end":672.695,"sentiment":"neutral","sentiment_score":0.09738656133413316}],"sentiment":"neutral","sentiment_score":0.06772705589953278,"num_words":28,"start":654.245,"end":672.695},{"sentences":[{"text":"Assets and liabilities just quickly as well.","start":673.875,"end":676.29504,"sentiment":"neutral","sentiment_score":0.10776330104896001},{"text":"You had the earthmoving business, of course.","start":676.515,"end":679.335,"sentiment":"neutral","sentiment_score":0.11025271990469523},{"text":"We we kind of valued it tentatively at about 517,000 as well as truck, trailer, motorbike, and your home.","start":679.395,"end":689.27997,"sentiment":"neutral","sentiment_score":0.18696489067454086},{"text":"K.","start":695.02,"end":695.5,"sentiment":"neutral","sentiment_score":0.11106052249670029},{"text":"Perfect.","start":695.5,"end":696.0,"sentiment":"positive","sentiment_score":0.5853281617164612}],"sentiment":"neutral","sentiment_score":0.16499525010585786,"num_words":35,"start":673.875,"end":696.0},{"sentences":[{"text":"One thing I just wanna quickly clarify with you because it it just looks strange for me to see on a spreadsheet is your main home, we had you with a a a debt on your main home of about 620,000, but we had the value of about 18 and a half mil.","start":696.695,"end":711.94,"sentiment":"neutral","sentiment_score":-0.05906235498710061},{"text":"Is there, like, a very large property, lots of Land there?","start":711.94,"end":715.16003,"sentiment":"neutral","sentiment_score":-0.054216183722019196},{"text":"So, also, there was an extra zero in there.","start":717.46,"end":719.7,"sentiment":"neutral","sentiment_score":-0.027260630701979},{"text":"So I wanted to just double check.","start":719.7,"end":720.98,"sentiment":"neutral","sentiment_score":-0.008324909689170974},{"text":"So 1.85 makes sense.","start":720.98,"end":723.08,"sentiment":"neutral","sentiment_score":0.0021924118045717478}],"sentiment":"neutral","sentiment_score":-0.04787539562121743,"num_words":84,"start":696.695,"end":723.08},{"sentences":[{"text":"Alright.","start":724.365,"end":724.76495,"sentiment":"neutral","sentiment_score":0.2171269953250885},{"text":"Since we got a couple of people there, those really big farmlands where they're like, yeah, they're gonna build electricity on there, and it could be sold to a company for 20 mils.","start":724.76495,"end":733.245,"sentiment":"neutral","sentiment_score":0.05632185269937371},{"text":"So I just wanted to double check with you.","start":733.245,"end":735.345,"sentiment":"neutral","sentiment_score":0.04732057452201843},{"text":"Alright.","start":737.27997,"end":737.68,"sentiment":"neutral","sentiment_score":0.05091627687215805},{"text":"Still got the old Land Cruisers.","start":737.68,"end":739.7,"sentiment":"neutral","sentiment_score":0.02055895049124956}],"sentiment":"neutral","sentiment_score":0.05351806569844484,"num_words":50,"start":724.365,"end":739.7},{"sentences":[{"text":"Alright.","start":741.83997,"end":742.33997,"sentiment":"neutral","sentiment_score":0.30628061294555664},{"text":"You seem to have quite a lot in vehicles, which is brilliant.","start":742.64,"end":745.62,"sentiment":"positive","sentiment_score":0.5773842707276344},{"text":"Anything anything else in addition to that?","start":747.04,"end":750.75494,"sentiment":"neutral","sentiment_score":0.04918731429747173},{"text":"No sort of shares, crypto, personal loans, anything we don't already have?","start":750.75494,"end":755.65497,"sentiment":"neutral","sentiment_score":-0.04052481194958091},{"text":"Okay.","start":757.71497,"end":758.21497,"sentiment":"neutral","sentiment_score":-0.0026631196960806847}],"sentiment":"neutral","sentiment_score":0.21485582420207333,"num_words":33,"start":741.83997,"end":758.21497},{"sentences":[{"text":"Got that there.","start":758.675,"end":759.65497,"sentiment":"neutral","sentiment_score":0.023388618603348732},{"text":"We did confirm that you did have an up to date will last year, and you had your power of attorney listed as your wife.","start":760.88995,"end":767.69,"sentiment":"neutral","sentiment_score":0.05927353799343109},{"text":"That's all still current?","start":767.69,"end":768.99,"sentiment":"neutral","sentiment_score":0.03472495684400201},{"text":"Awesome.","start":772.825,"end":773.325,"sentiment":"positive","sentiment_score":0.33677685260772705},{"text":"I'm going to just quickly check your beneficiary.","start":773.385,"end":775.805,"sentiment":"neutral","sentiment_score":0.17353067826479673}],"sentiment":"neutral","sentiment_score":0.08331527833531542,"num_words":41,"start":758.675,"end":775.805},{"sentences":[{"text":"You had your beneficiary for your super split between Amanda, Dylan, and Aiden, fifty twenty five twenty five.","start":776.265,"end":782.505,"sentiment":"neutral","sentiment_score":0.08197588266597854},{"text":"Are you still okay with that?","start":782.505,"end":783.96497,"sentiment":"neutral","sentiment_score":0.063247116903464},{"text":"I did just wanna double check with you because it is listed as nonbinding.","start":785.88,"end":789.74,"sentiment":"neutral","sentiment_score":0.012059240468910761},{"text":"So it's not technically legally binding until you get a witness on paper with a wet signature.","start":790.68,"end":798.22003,"sentiment":"neutral","sentiment_score":-0.04883794683743926},{"text":"Did you want me to get that updated so it's more, like, legally binding so the super fund has to do it, or are you still okay for it to be that that nonbinding?","start":798.735,"end":807.395,"sentiment":"neutral","sentiment_score":-0.008774637956829631}],"sentiment":"neutral","sentiment_score":0.010059496283196332,"num_words":89,"start":776.265,"end":807.395},{"sentences":[{"text":"Because nonbinding is like an automatic one you do online.","start":807.455,"end":810.995,"sentiment":"neutral","sentiment_score":0.012719371542334556},{"text":"If you actually sign the document, they make it like, they force the super fund to do it in all cases.","start":811.61005,"end":816.51,"sentiment":"neutral","sentiment_score":-0.024403277740237258},{"text":"Do you want me to update that?","start":816.89,"end":818.35004,"sentiment":"neutral","sentiment_score":-0.024606182106903622},{"text":"Yep.","start":822.97003,"end":823.47003,"sentiment":"neutral","sentiment_score":0.11597095429897308},{"text":"And with that split, obviously, if the children are dependents, whoever receives that that money in their name and is their guardian will kind of look after it.","start":823.625,"end":832.985,"sentiment":"neutral","sentiment_score":0.13725904135831765}],"sentiment":"neutral","sentiment_score":0.05077172717107321,"num_words":67,"start":807.455,"end":832.985},{"sentences":[{"text":"Do you want it still split between the three?","start":832.985,"end":835.065,"sentiment":"neutral","sentiment_score":0.036911369404859014},{"text":"Do you want it all going to Amanda?","start":835.065,"end":836.76495,"sentiment":"neutral","sentiment_score":0.020263524260371923},{"text":"Do you have a preference?","start":836.90497,"end":837.885,"sentiment":"neutral","sentiment_score":0.016214647516608238},{"text":"Yeah.","start":845.98004,"end":846.38,"sentiment":"neutral","sentiment_score":0.31910720467567444},{"text":"Perfect.","start":846.38,"end":846.88,"sentiment":"positive","sentiment_score":0.6084669828414917}],"sentiment":"neutral","sentiment_score":0.06262324765945475,"num_words":24,"start":832.985,"end":846.88},{"sentences":[{"text":"And the last question I've got on that is do you want me to set it to expire every three years so that you have to review it or just let it be continuous and non lapsing?","start":847.26,"end":856.175,"sentiment":"neutral","sentiment_score":0.003432594088686479},{"text":"Yeah.","start":860.795,"end":861.295,"sentiment":"neutral","sentiment_score":-0.05527187138795853},{"text":"That makes sense.","start":861.355,"end":862.33496,"sentiment":"neutral","sentiment_score":-0.08328864226738612},{"text":"Yep.","start":862.555,"end":862.875,"sentiment":"neutral","sentiment_score":0.03620162606239319},{"text":"Unless you change it.","start":862.875,"end":864.03,"sentiment":"neutral","sentiment_score":-0.03708973969332874}],"sentiment":"neutral","sentiment_score":-0.006310633687383454,"num_words":46,"start":847.26,"end":864.03},{"sentences":[{"text":"It just it's one of those things that if something significant happens, just we'll always prompt you to to update it if you need to.","start":864.35004,"end":870.53,"sentiment":"neutral","sentiment_score":0.032589311003685},{"text":"But I'll pretty much get them to put in a nonlapsing binding for you, and we can switch it over and get that up to date.","start":870.59,"end":878.235,"sentiment":"neutral","sentiment_score":0.12872395030437753},{"text":"When we send that out, if you got any questions, there'll be a cover letter with instructions.","start":880.15497,"end":883.77496,"sentiment":"neutral","sentiment_score":0.18045003536869497},{"text":"Just call the team, and they can walk you through it in about two minutes flat.","start":883.995,"end":887.535,"sentiment":"neutral","sentiment_score":0.23291899543255568},{"text":"Cool.","start":889.355,"end":889.855,"sentiment":"positive","sentiment_score":0.357654869556427}],"sentiment":"neutral","sentiment_score":0.1331007633029538,"num_words":85,"start":864.35004,"end":889.855},{"sentences":[{"text":"When it comes to the insurance side of things, I was just gonna go through your MetLife policy and the documents I've sent and pretty much let you go.","start":890.555,"end":899.36,"sentiment":"neutral","sentiment_score":0.2122853845357895},{"text":"Is that okay?","start":899.36,"end":900.26,"sentiment":"neutral","sentiment_score":0.15906806041797003},{"text":"Cool.","start":902.08,"end":902.58,"sentiment":"positive","sentiment_score":0.5662791728973389},{"text":"You've got the MetLife there.","start":902.72,"end":904.16,"sentiment":"positive","sentiment_score":0.47454205751419065},{"text":"It's got an anniversary in December.","start":904.16,"end":906.42,"sentiment":"positive","sentiment_score":0.4196854730447133}],"sentiment":"neutral","sentiment_score":0.2747859688983722,"num_words":44,"start":890.555,"end":906.42},{"sentences":[{"text":"So it's not too bad in the price, actually.","start":906.88,"end":909.895,"sentiment":"positive","sentiment_score":0.5210594005054898},{"text":"You're only paying about $1.05 $6.07.","start":909.895,"end":912.955,"sentiment":"positive","sentiment_score":0.36465008556842804},{"text":"And then off of that, you get a 15% tax rebate.","start":913.09503,"end":916.615,"sentiment":"positive","sentiment_score":0.3613998859443448},{"text":"So that's for your million dollars and 50,000 of life insurance, disability insurance, and you've even got income protection on top of that.","start":916.615,"end":927.19,"sentiment":"neutral","sentiment_score":0.2448084127643834},{"text":"So Amanda's listed as beneficiary for your life insurance.","start":928.69,"end":932.47003,"sentiment":"neutral","sentiment_score":0.1457603242662218}],"sentiment":"neutral","sentiment_score":0.3068150047469756,"num_words":58,"start":906.88,"end":932.47003},{"sentences":[{"text":"Perfect.","start":933.33,"end":933.83,"sentiment":"positive","sentiment_score":0.6372709274291992},{"text":"Your income protection, just because that changes every year, let me just do a quick calculation because it bases it on 70%.","start":934.785,"end":942.08496,"sentiment":"neutral","sentiment_score":0.2646287618712945},{"text":"Yeah.","start":942.305,"end":942.46497,"sentiment":"neutral","sentiment_score":0.13423126935958862},{"text":"It's protecting an income of about 53 and a half thousand.","start":942.46497,"end":945.76495,"sentiment":"neutral","sentiment_score":0.12868329069831155},{"text":"That's what it's kind of based on on paper.","start":947.12,"end":949.94,"sentiment":"neutral","sentiment_score":0.13449096265766355}],"sentiment":"neutral","sentiment_score":0.2095288595354015,"num_words":44,"start":933.33,"end":949.94},{"sentences":[{"text":"So ninety day waiting period, if you're out of work for three months, it kicks in, pays you 3,000 just over 3,000 a month for up to five years.","start":952.96,"end":961.06,"sentiment":"neutral","sentiment_score":-0.05612391509629529},{"text":"And with that million dollars of life insurance and total disability, that's gonna make a pretty big dent in loans and liabilities and things like that.","start":961.575,"end":971.17505,"sentiment":"neutral","sentiment_score":-0.18904453773911184},{"text":"Are you still comfortable with that amount?","start":971.17505,"end":973.03503,"sentiment":"neutral","sentiment_score":-0.08197251813752311},{"text":"So it's a million and 50,000 if you were to pass away or can never work again.","start":978.06995,"end":983.05,"sentiment":"neutral","sentiment_score":-0.21361588292262135},{"text":"Now one of the things that we do, I keep an eye on this every year because once you hit the forties, it can start to creep up quite quickly in the price.","start":987.445,"end":995.205,"sentiment":"neutral","sentiment_score":-0.08154109498542367}],"sentiment":"neutral","sentiment_score":-0.1199900472337114,"num_words":112,"start":952.96,"end":995.205},{"sentences":[{"text":"It's only 1,500 now, but by the time you hit 50, it might be $6,000, $3,000, that kind of thing.","start":995.205,"end":1001.34,"sentiment":"neutral","sentiment_score":-0.06470523960888386},{"text":"So as you pay down debt, we tend to trim it down to keep on top of it.","start":1001.42004,"end":1006.4,"sentiment":"neutral","sentiment_score":-0.018563446071412828},{"text":"So it's not looking too bad now, but it might be something that we review in twelve months' time.","start":1006.46,"end":1011.84,"sentiment":"neutral","sentiment_score":-0.027519981131741877},{"text":"K.","start":1013.915,"end":1014.15497,"sentiment":"neutral","sentiment_score":0.03836996108293533},{"text":"Are you comfortable with how it is so far?","start":1014.15497,"end":1016.095,"sentiment":"neutral","sentiment_score":0.17402976585759056}],"sentiment":"neutral","sentiment_score":-0.008156546405447064,"num_words":67,"start":995.205,"end":1016.095},{"sentences":[{"text":"Okeydoke.","start":1017.755,"end":1018.255,"sentiment":"neutral","sentiment_score":0.16096335649490356},{"text":"Everything's looking pretty up to date there.","start":1019.435,"end":1021.355,"sentiment":"neutral","sentiment_score":0.26490881400448935},{"text":"No major changes.","start":1021.355,"end":1022.15497,"sentiment":"neutral","sentiment_score":0.025748811041315392},{"text":"Anything else you're focusing on for the next few years?","start":1022.15497,"end":1024.655,"sentiment":"neutral","sentiment_score":0.102265352755785},{"text":"Perfect.","start":1028.49,"end":1028.99,"sentiment":"positive","sentiment_score":0.543262779712677}],"sentiment":"neutral","sentiment_score":0.16629489976912737,"num_words":22,"start":1017.755,"end":1028.99},{"sentences":[{"text":"It's looking pretty straightforward.","start":1029.45,"end":1030.99,"sentiment":"positive","sentiment_score":0.4864881932735443},{"text":"I'll keep an eye on this investment.","start":1031.13,"end":1032.75,"sentiment":"neutral","sentiment_score":0.3013121656009129},{"text":"We'll keep an eye on the anniversary for your MetLife policy.","start":1033.45,"end":1036.01,"sentiment":"neutral","sentiment_score":0.23823824389414353},{"text":"If there's anything crazy, we'll get in touch with you.","start":1036.01,"end":1039.15,"sentiment":"neutral","sentiment_score":0.15050773620605468},{"text":"Is there any other areas of advice that you wanted to explore?","start":1039.2949,"end":1042.275,"sentiment":"neutral","sentiment_score":0.13054192128280798}],"sentiment":"neutral","sentiment_score":0.22153043255887248,"num_words":44,"start":1029.45,"end":1042.275},{"sentences":[{"text":"Any investing or anything like that?","start":1042.335,"end":1044.355,"sentiment":"neutral","sentiment_score":0.07914047315716743},{"text":"Yeah.","start":1048.335,"end":1048.6549,"sentiment":"neutral","sentiment_score":0.14976546168327332},{"text":"You've got a bit of a small policy there with MetLife that covers your you've got one there, the income protection that covers, like, your paper income.","start":1048.6549,"end":1058.01,"sentiment":"neutral","sentiment_score":0.13428582554614102},{"text":"So if you're paying out of your business that thousand bucks a week or give or take, that's currently insured.","start":1058.23,"end":1064.57,"sentiment":"neutral","sentiment_score":0.05645446740090847},{"text":"K.","start":1067.205,"end":1067.705,"sentiment":"neutral","sentiment_score":0.0036216890439391136}],"sentiment":"neutral","sentiment_score":0.09787339322607626,"num_words":55,"start":1042.335,"end":1067.705},{"sentences":[{"text":"Is there anything you need above that?","start":1068.085,"end":1069.945,"sentiment":"neutral","sentiment_score":-0.04282034507819584},{"text":"So it apologies.","start":1070.245,"end":1072.905,"sentiment":"neutral","sentiment_score":-0.12751071900129318},{"text":"It's 53,000 worth of incomes being protected.","start":1072.965,"end":1077.225,"sentiment":"neutral","sentiment_score":-0.023943691115294184},{"text":"So whatever's on paper there, like, let's say you're paying yourself a thousand bucks a week wages, you give them your tax return.","start":1082.58,"end":1088.92,"sentiment":"neutral","sentiment_score":0.03542269831118376},{"text":"If you can't work for a few months, they'll kick in 70% of that.","start":1089.06,"end":1093.215,"sentiment":"neutral","sentiment_score":-0.03232920688710043}],"sentiment":"neutral","sentiment_score":-0.009032726770749799,"num_words":54,"start":1068.085,"end":1093.215},{"sentences":[{"text":"K.","start":1095.9349,"end":1096.4149,"sentiment":"neutral","sentiment_score":-0.0015272237360477448},{"text":"Does that need to be changed, or is that alright?","start":1096.4149,"end":1098.595,"sentiment":"neutral","sentiment_score":-0.041227562539279464},{"text":"Amazing.","start":1102.1749,"end":1102.6749,"sentiment":"positive","sentiment_score":0.4382226169109345},{"text":"Alright.","start":1104.255,"end":1104.755,"sentiment":"neutral","sentiment_score":0.25275278091430664},{"text":"Any other questions for me so far, Daniel, before I let you go?","start":1104.895,"end":1107.69,"sentiment":"neutral","sentiment_score":0.1148480515067394}],"sentiment":"neutral","sentiment_score":0.06808450839553888,"num_words":26,"start":1095.9349,"end":1107.69},{"sentences":[{"text":"Cool.","start":1109.7699,"end":1110.2699,"sentiment":"positive","sentiment_score":0.3976768851280213},{"text":"Just letting you know that that package through to your email now with next stage civil outlook dot com.","start":1110.73,"end":1117.1499,"sentiment":"neutral","sentiment_score":0.2504673082577555},{"text":"It's got all the attachments there.","start":1117.21,"end":1118.8099,"sentiment":"neutral","sentiment_score":0.18333897988001505},{"text":"There'll be a link there for the service agreement.","start":1118.8099,"end":1121.3899,"sentiment":"neutral","sentiment_score":0.15734614100721148},{"text":"Now I did wanna double check.","start":1121.785,"end":1123.065,"sentiment":"neutral","sentiment_score":0.110337449858586}],"sentiment":"neutral","sentiment_score":0.20328608754931426,"num_words":41,"start":1109.7699,"end":1123.065},{"sentences":[{"text":"Are you still comfortable to remain a client with Ophiu?","start":1123.065,"end":1125.485,"sentiment":"neutral","sentiment_score":0.10387085303664208},{"text":"Cool.","start":1127.545,"end":1128.045,"sentiment":"neutral","sentiment_score":0.3128775954246521},{"text":"So the fee should still be 1.65%, paid monthly throughout for the super.","start":1128.105,"end":1134.685,"sentiment":"neutral","sentiment_score":0.19864988670899317},{"text":"Once you get to 600,000, we do cap it.","start":1134.825,"end":1137.3,"sentiment":"neutral","sentiment_score":0.13052228589852652},{"text":"Okay?","start":1137.62,"end":1138.12,"sentiment":"neutral","sentiment_score":0.10533155500888824}],"sentiment":"neutral","sentiment_score":0.1533549053265768,"num_words":34,"start":1123.065,"end":1138.12},{"sentences":[{"text":"I'm just gonna double check your service dates on hub twenty four and then let you go.","start":1139.4601,"end":1144.92,"sentiment":"neutral","sentiment_score":0.09547111523502014},{"text":"So just bear in mind that the service agreement expires on the August 1, So we do have that refresh one there for you.","start":1145.3,"end":1153.375,"sentiment":"neutral","sentiment_score":0.08295477467860717},{"text":"And would you like me to leave it as yearly reviews, or would you like me to switch it to, like, quarterly contact, six monthly contact?","start":1153.595,"end":1161.295,"sentiment":"neutral","sentiment_score":0.04978626113958084},{"text":"Yep.","start":1164.5701,"end":1164.89,"sentiment":"neutral","sentiment_score":0.14297685027122498},{"text":"Quarterly.","start":1164.89,"end":1165.37,"sentiment":"neutral","sentiment_score":0.11006297171115877}],"sentiment":"neutral","sentiment_score":0.07480298786802028,"num_words":69,"start":1139.4601,"end":1165.37},{"sentences":[{"text":"I'll make sure that's flagged on your account, and we'll probably give you a buzz.","start":1165.37,"end":1168.73,"sentiment":"neutral","sentiment_score":0.189735542734464},{"text":"I've got I'll be on paternity leave in June, so I'll probably pencil in the call year around July, August.","start":1168.73,"end":1174.27,"sentiment":"neutral","sentiment_score":0.0893566831946373},{"text":"Thank you so much for that, Daniel.","start":1178.505,"end":1180.025,"sentiment":"positive","sentiment_score":0.8313069428716388},{"text":"Anything else before I let you go, sir?","start":1180.025,"end":1181.6368,"sentiment":"neutral","sentiment_score":0.3249996043741703},{"text":"Alright.","start":1183.5569,"end":1184.0369,"sentiment":"positive","sentiment_score":0.5215634703636169}],"sentiment":"neutral","sentiment_score":0.2661544256934933,"num_words":51,"start":1165.37,"end":1184.0369},{"sentences":[{"text":"You have a fantastic day, and thank you for your time.","start":1184.0369,"end":1186.5369,"sentiment":"positive","sentiment_score":0.8127860101786527},{"text":"Thank you.","start":1188.4369,"end":1188.9968,"sentiment":"positive","sentiment_score":0.628596156835556},{"text":"Bye.","start":1188.9968,"end":1189.4968,"sentiment":"neutral","sentiment_score":-0.11559110134840012}],"sentiment":"positive","sentiment_score":0.7201605231634208,"num_words":14,"start":1184.0369,"end":1189.4968}]}}]},{"alternatives":[{"transcript":"Hello? Hello? Good. How are you? Yeah. Okay. Yeah. No worries. Yep. Yeah. I was just concerned about what's going on with the wall and things like that, really, more than anything. That's why. Yeah. Yeah. No worries. Yep. Yeah. No worries, man. Yeah. Tell it to the tool then. Yeah. Yep. What do you mean? Sorry. Oh, no. Just talk me through, mate. That's alright. Yep. Okay. Mhmm. Oh, I'm more just sorta hit on the news, mate. I don't really yeah. I don't really keep an eye on it. Uh-huh. Uh-huh. Yeah. Okay. So I guess when I hear that, you know, the target that I guess I discussed when I signed up with you guys, are we on track for those long term targets still, or is that sort of not relevant really? Yeah. Oh, okay. Alright. Okay. Yes. Mhmm. Okay. Yeah. Yeah. Yes. And yeah. Like, it'd be good to What are my other options, I guess? Like, do you wanna go more aggressive now? Yeah. Yeah. Yeah. That's that's really what I had in my head. Yeah. Yeah. Yeah. Okay. Right. Mhmm. Okay. Yeah. Yep. Yeah. That does. Yeah. Yeah. Yeah. That's my company. Still there. Yeah. That's maybe that might have changed slightly now, but that's that's where we're at. Yeah. Yeah. Yep. I'll probably I'll probably keep it there for now. And give me you know, I'll just see how I go in another year, potentially. No. No. No. I just thought because it's I don't see that. Because I haven't really grown it, I'm like, well, I need to grow. So the high growth thing is where I want it to be. And, yeah. Yeah. Yeah. Okay. Yep. Yes. Yep. Yeah. It is. Yeah. Yep. Yeah. It's at least that. Yeah. Yeah. Yeah. No. No. No. One 0.824. 1.85. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. All good. Yeah. Yeah. Yeah. Yep. Yeah. I do. No. No. My no. No. Yeah. Yes. Yep. Yeah. No. I I I want the super funds to force to pay it in all cases. Yeah. Sure. Look. It can all go to Amanda because then the boys will be next to Kin anyway. Not continuous unless I change it. Yeah. Yeah. Yeah. Okay. Okay. No worries. Yeah. No worries. Yep. Okay. Okay. Sorry. What what amount was that? Mhmm. Yeah. Okay. Yeah. Yep. Okay. Alright. Mhmm. No. That's all, mate. Thanks. And do you use the income protection? Okay. So sorry. What was that figure again? Sorry. What was that figure again? Yeah. Oh, yeah. Okay. Alright. Mhmm. Okay. No worries. No. That's alright. No. Thank you. No. That's alright. Thank you. Yes. Mhmm. Order is fine. No worries. No. That's all. Okay. 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Hello? Good. How are you? Yeah.\n\nOkay. Yeah. No worries. Yep. Yeah.\n\nI was just concerned about what's going on with the wall and things like that, really, more than anything. That's why. Yeah. Yeah. No worries.\n\nYep. Yeah. No worries, man. Yeah. Tell it to the tool then.\n\nYeah. Yep. What do you mean? Sorry. Oh, no.\n\nJust talk me through, mate. That's alright. Yep. Okay. Mhmm.\n\nOh, I'm more just sorta hit on the news, mate. I don't really yeah. I don't really keep an eye on it. Uh-huh. Uh-huh.\n\nYeah. Okay. So I guess when I hear that, you know, the target that I guess I discussed when I signed up with you guys, are we on track for those long term targets still, or is that sort of not relevant really? Yeah. Oh, okay.\n\nAlright. Okay. Yes. Mhmm. Okay.\n\nYeah. Yeah. Yes. And yeah. Like, it'd be good to What are my other options, I guess?\n\nLike, do you wanna go more aggressive now? Yeah. Yeah. Yeah. That's that's really what I had in my head.\n\nYeah. Yeah. Yeah. Okay. 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worries.","start":888.945,"end":889.605,"sentiment":"neutral","sentiment_score":0.22381706535816193}],"sentiment":"neutral","sentiment_score":0.12937700003385544,"num_words":6,"start":863.125,"end":889.605},{"sentences":[{"text":"Yeah.","start":900.51,"end":900.83,"sentiment":"neutral","sentiment_score":0.10015878081321716},{"text":"No worries.","start":900.83,"end":901.55,"sentiment":"neutral","sentiment_score":0.18048235774040222},{"text":"Yep.","start":901.55,"end":902.05,"sentiment":"neutral","sentiment_score":0.32187047600746155},{"text":"Okay.","start":928.98,"end":929.48,"sentiment":"neutral","sentiment_score":0.11903059482574464},{"text":"Okay.","start":951.685,"end":952.185,"sentiment":"neutral","sentiment_score":0.0625234991312027}],"sentiment":"neutral","sentiment_score":0.16075801104307175,"num_words":6,"start":900.51,"end":952.185},{"sentences":[{"text":"Sorry.","start":975.675,"end":975.995,"sentiment":"neutral","sentiment_score":-0.1726064532995224},{"text":"What what amount was that?","start":975.995,"end":977.695,"sentiment":"neutral","sentiment_score":-0.14912912547588347},{"text":"Mhmm.","start":982.795,"end":983.295,"sentiment":"neutral","sentiment_score":-0.02928766794502735},{"text":"Yeah.","start":983.915,"end":984.235,"sentiment":"neutral","sentiment_score":-0.009028365835547447},{"text":"Okay.","start":984.235,"end":984.735,"sentiment":"neutral","sentiment_score":0.001113303005695343}],"sentiment":"neutral","sentiment_score":-0.10616164571709102,"num_words":9,"start":975.675,"end":984.735},{"sentences":[{"text":"Yeah.","start":985.74005,"end":986.24005,"sentiment":"neutral","sentiment_score":0.0028942525386810303},{"text":"Yep.","start":989.02,"end":989.52,"sentiment":"neutral","sentiment_score":0.026116302236914635},{"text":"Okay.","start":1012.67,"end":1013.17,"sentiment":"neutral","sentiment_score":0.049488142132759094},{"text":"Alright.","start":1014.02997,"end":1014.52997,"sentiment":"neutral","sentiment_score":0.0999131202697754},{"text":"Mhmm.","start":1024.83,"end":1025.33,"sentiment":"neutral","sentiment_score":0.05416501313447952}],"sentiment":"neutral","sentiment_score":0.046515366062521935,"num_words":5,"start":985.74005,"end":1025.33},{"sentences":[{"text":"No.","start":1025.71,"end":1025.95,"sentiment":"neutral","sentiment_score":0.06077250465750694},{"text":"That's all, mate.","start":1025.95,"end":1026.9299,"sentiment":"neutral","sentiment_score":0.128468948105971},{"text":"Thanks.","start":1036.3049,"end":1036.8049,"sentiment":"neutral","sentiment_score":0.2795337438583374},{"text":"And do you use the income protection?","start":1045.3099,"end":1047.17,"sentiment":"neutral","sentiment_score":0.03790671245328018},{"text":"Okay.","start":1065.5951,"end":1066.0951,"sentiment":"neutral","sentiment_score":0.020132141187787056}],"sentiment":"neutral","sentiment_score":0.07778401701496197,"num_words":13,"start":1025.71,"end":1066.0951},{"sentences":[{"text":"So sorry.","start":1067.675,"end":1068.3151,"sentiment":"neutral","sentiment_score":-0.027198851108551025},{"text":"What was that figure again?","start":1068.3151,"end":1069.6151,"sentiment":"neutral","sentiment_score":-0.05608561933040619},{"text":"Sorry.","start":1070.395,"end":1070.895,"sentiment":"neutral","sentiment_score":-0.13893800973892212},{"text":"What was that figure again?","start":1072.47,"end":1074.01,"sentiment":"neutral","sentiment_score":-0.06056736819446087},{"text":"Yeah.","start":1080.55,"end":1081.03,"sentiment":"neutral","sentiment_score":0.01844726875424385}],"sentiment":"neutral","sentiment_score":-0.054153812916151116,"num_words":14,"start":1067.675,"end":1081.03},{"sentences":[{"text":"Oh, yeah.","start":1081.03,"end":1081.67,"sentiment":"neutral","sentiment_score":0.035003235563635826},{"text":"Okay.","start":1081.67,"end":1082.17,"sentiment":"neutral","sentiment_score":0.04722435027360916},{"text":"Alright.","start":1082.39,"end":1082.89,"sentiment":"neutral","sentiment_score":0.07793095707893372},{"text":"Mhmm.","start":1093.855,"end":1093.9349,"sentiment":"neutral","sentiment_score":0.002821889240294695},{"text":"Okay.","start":1093.9349,"end":1094.4349,"sentiment":"neutral","sentiment_score":0.006545425392687321}],"sentiment":"neutral","sentiment_score":0.03408818218546609,"num_words":6,"start":1081.03,"end":1094.4349},{"sentences":[{"text":"No worries.","start":1097.26,"end":1098.0,"sentiment":"neutral","sentiment_score":-0.08426040969789028},{"text":"No.","start":1099.1,"end":1099.26,"sentiment":"neutral","sentiment_score":-0.10877226293087006},{"text":"That's alright.","start":1099.26,"end":1099.9,"sentiment":"neutral","sentiment_score":-0.03909882716834545},{"text":"No.","start":1099.9,"end":1100.22,"sentiment":"neutral","sentiment_score":-0.02465799450874329},{"text":"Thank you.","start":1100.22,"end":1101.04,"sentiment":"neutral","sentiment_score":0.2938369810581207}],"sentiment":"neutral","sentiment_score":0.02594065386801958,"num_words":8,"start":1097.26,"end":1101.04},{"sentences":[{"text":"No.","start":1107.98,"end":1108.3,"sentiment":"neutral","sentiment_score":-0.03980351611971855},{"text":"That's alright.","start":1108.3,"end":1109.02,"sentiment":"neutral","sentiment_score":0.10960903763771057},{"text":"Thank you.","start":1109.02,"end":1109.76,"sentiment":"positive","sentiment_score":0.4801664352416992},{"text":"Yes.","start":1126.4199,"end":1126.9199,"sentiment":"neutral","sentiment_score":0.2057589441537857},{"text":"Mhmm.","start":1138.4199,"end":1138.9199,"sentiment":"neutral","sentiment_score":0.05153108015656471}],"sentiment":"neutral","sentiment_score":0.19957677913563593,"num_words":7,"start":1107.98,"end":1138.9199},{"sentences":[{"text":"Order is fine.","start":1162.9,"end":1163.9601,"sentiment":"neutral","sentiment_score":0.16031203667322794},{"text":"No worries.","start":1182.0399,"end":1182.12,"sentiment":"neutral","sentiment_score":0.15002132207155228},{"text":"No.","start":1182.12,"end":1182.36,"sentiment":"neutral","sentiment_score":0.070314921438694},{"text":"That's all.","start":1182.36,"end":1183.1,"sentiment":"neutral","sentiment_score":0.216040201485157},{"text":"Okay.","start":1187.1599,"end":1187.48,"sentiment":"positive","sentiment_score":0.47374963760375977}],"sentiment":"neutral","sentiment_score":0.1952359684639507,"num_words":9,"start":1162.9,"end":1187.48},{"sentences":[{"text":"Thank you.","start":1187.48,"end":1188.2999,"sentiment":"positive","sentiment_score":0.6710783839225769}],"sentiment":"positive","sentiment_score":0.6710783839225769,"num_words":2,"start":1187.48,"end":1188.2999}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good morning,\n\nChannel 1: Hello?\n\nChannel 0: Daniel. It's Tommy here from Oakview Financial, one of the senior advisers. Mate, how are you doing today?\n\nChannel 1: Good. How are you?\n\nChannel 0: I'm doing fantastic. It's a beautiful day today. I'm just giving you a call to go through your annual review, sir.\n\nChannel 1: Yeah. Okay. Yeah. No worries. Yep.\n\nChannel 0: Perfect. Perfect. So\n\nChannel 1: Yeah. I was just concerned about what's going on with the wall and things like that, really, more than anything. That's why.\n\nChannel 0: Perfect. So what I'll do, mate,\n\nChannel 1: Yeah.\n\nChannel 0: if it's okay with you, is I'll go through a quick security check. I've got an annual review pack ready to send to your email address, and then I'll walk you through how the super is going, update a few details, and we should be good to go. Is that okay?\n\nChannel 1: Yeah. No worries. Yep.\n\nChannel 0: Perfect, mate. Is it okay for the call to be recorded?\n\nChannel 1: Yeah. No worries, man. Yeah.\n\nChannel 0: Cool. And we do have a password on file for you for the security of your information. Do you remember what that password was?\n\nChannel 1: Tell it to the tool then.\n\nChannel 0: Perfect. Aced it. Fantastic. Thank you for that, Daniel. Now I'm gonna pop this pack off to your Outlook email, next stage civil.\n\nIs that still okay?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Of course. Will you be able to look onto that email with me, or do you want me to kind of just walk you through what's there?\n\nChannel 1: What do you mean? Sorry.\n\nChannel 0: So I'm sending you through an annual review pack with a few attachments there. Will you be able to look at those attachments with me today, or should I just kind of talk you through them?\n\nChannel 1: Oh, no. Just talk me through, mate. That's alright.\n\nChannel 0: Easy done. Easy done. So just to let you know what I have sent, that pack includes your insurance information, super performance, an updated financial services guide with us, so updated licensing\n\nChannel 1: Yep.\n\nChannel 0: information. There\n\nChannel 1: Okay.\n\nChannel 0: is a service agreement as well if you're still comfortable to remain a client after the review, and a few other kind of little graphic packs for you if you're curious as well. Now when it\n\nChannel 1: Mhmm.\n\nChannel 0: comes to the current situation, before I go through your details, let's just jump into the super for a bit.\n\nChannel 1: Oh,\n\nChannel 0: Do you usually log in to your Hub twenty four account to keep an eye on it, or is it more just what you've heard on the news?\n\nChannel 1: I'm more just sorta hit on the news, mate. I don't really yeah. I don't really keep an eye on it.\n\nChannel 0: That's alright. That's what you pay us for. I have done a bit of a deep dive on your super, basically, since you've been a client and also the last twelve months. Now what I can basically tell you is that what's happened in Iran over there, that's kind of impacted, obviously, interest rates, cost of living, stock market's gone up and down quite a bit, and most people's super\n\nChannel 1: Uh-huh.\n\nChannel 0: has kind of gone down. So I'll give you a quick example of your balance for the last three months. Now twelve months ago, you were sitting at 85,000. You're now sitting at a 103,000. So you're still up for the year.\n\nYou did\n\nChannel 1: Uh-huh.\n\nChannel 0: have a little bit of a bounce down from when it was at a 102. It went down to 96 and then back up to $1.00 3. So it was only for about a month or so that it was going down, and it has kind of recovered since then.\n\nChannel 1: Yeah. Okay. So I guess when I hear that, you know, the target that I guess I discussed when I signed up with you guys, are we on track for those long term targets still, or is that sort of not relevant really?\n\nChannel 0: Brilliant question. So when it comes to averages, it does obviously fluctuate with the market. Sometimes you have bad years. Sometimes you have good years. You're still aiming for that kind of double digits.\n\nRight? So in terms of a percentage return, as long as we're getting, like, above 10%, you're pretty well on track. Does that make sense?\n\nChannel 1: Yeah.\n\nChannel 0: Now your twelve month return after fees, 17 and a half percent. So you've still completely gone above target for the last twelve\n\nChannel 1: Oh,\n\nChannel 0: months.\n\nChannel 1: okay. Alright. Okay.\n\nChannel 0: So you've actually got one of the strongest returns that I've seen this year even though you're in quite a high growth portfolio. Like, most everything that you have is in growth assets, shares, property, gold to try and get you those high long term returns. Does that ring a bell?\n\nChannel 1: Yes.\n\nChannel 0: Perfect. I'm gonna just grab open your portfolio here as well and check a couple of details. Now when it comes to your portfolio, we've got you in eight different options, and that's kind of split between, like, your gold, your shares, your property, all these different assets. Most all of them have had brilliant returns. Like, you've got some electronic vehicles in there.\n\nThe old battery\n\nChannel 1: Mhmm.\n\nChannel 0: tech in lithium, that has gone up a 113%. Gold's up 30. Shares are up twenty, twenty, 17. You did have one of the options that have gone down about 10%. So I'm kind of keeping an eye on that one because seven out of eight have aced it.\n\nOne of them is kind of chugging along a little bit slower.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: Now because you're in high growth, like I was saying before, 90% in, I guess, shares, property, growth assets. The whole idea there is you get your high returns, boost up your super. At some point, we do have to protect that because you don't wanna be 64 and lose half your super year before you go to retire. Does that make sense?\n\nChannel 1: Yeah.\n\nChannel 0: So what I wanted to kind of ask you is based on that last review, you were still trying to retire as early as possible. We had you set down to a retirement age of 60 rather than waiting all the way to age pension age at 67 or 70. Is that still your main focus?\n\nChannel 1: Yes. And yeah. Like, it'd be good to What are my other options, I guess?\n\nChannel 0: Well,\n\nChannel 1: Like, do you wanna\n\nChannel 0: that's\n\nChannel 1: go\n\nChannel 0: kind\n\nChannel 1: more\n\nChannel 0: of\n\nChannel 1: aggressive\n\nChannel 0: how I\n\nChannel 1: now?\n\nChannel 0: no. I wouldn't go more aggressive. What I'm sort of trying to gauge is are you still okay to stay high growth until\n\nChannel 1: Yeah.\n\nChannel 0: you get\n\nChannel 1: Yeah.\n\nChannel 0: closer to retirement? And then once you've built up the million dollars, then we can slowly get it safer and safer in those last five to ten years. Does that does that\n\nChannel 1: Yeah.\n\nChannel 0: make sense?\n\nChannel 1: That's that's really what I had in my head. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Alright. We're on the same page there. And because you've got pretty much twenty years until preservation age to access your super, normally, high growth, you wanna be in it for at least ten. That's kind of the\n\nChannel 1: Yeah.\n\nChannel 0: recommended\n\nChannel 1: Okay.\n\nChannel 0: time frame. The last\n\nChannel 1: Right.\n\nChannel 0: ten years so let's say we grow up really hard for ten years. In the last ten, we'll slowly pull you back down. So instead of 90% shares of property, over that decade, it will go eighty, seventy, sixty, forty. And there at age 60, you get a nice, safe pension account to live off.\n\nChannel 1: Mhmm.\n\nChannel 0: And I think we had you wanting\n\nChannel 1: Okay.\n\nChannel 0: about 2,500 a week tax free in retirement.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Okay. Alright. So we're aligned there. When it comes to your I'm just updating a few details because we have switched to a new system. I just wanna make sure everything's correct.\n\nGoals wise, you'd been self employed for quite a while in that 2025 review with Dana, and you were just trying to kind of build the business, pay down the mortgage. Does that still sound correct?\n\nChannel 1: Yeah. That does. Yeah. Yeah.\n\nChannel 0: Okay. And have you had any changes to the employment side? Because I think you're still with next stage civil.\n\nChannel 1: Yeah. That's my company. Still there.\n\nChannel 0: Yep. Still running that for for quite a while. I think we had income wise, you were pretty much just paying yourself, like, maybe a thousand bucks a week to live off, and the rest of it was being reinvested. Does that sound right?\n\nChannel 1: Yeah. That's maybe that might have changed slightly now, but that's that's where we're at. Yeah.\n\nChannel 0: Okay. Okay. I'm just having a look there. We've still got contributions coming in, and you're pretty much putting in what seems to be about it looks around 400 a month or 400 a fortnight from what I can see coming in.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Just have a look at the frequency there. Because, yeah, we've got a December one that came in. We've got February, March, April. Yeah. About 400 a month going in.\n\nSo what that kind of works out for me is you've got about 4,800 going in concessional into your super. So that's where I'm gonna base all of the, like, projections and things on. Are you looking to increase that? Are you okay to continue that based on how you've got your your company structured?\n\nChannel 1: I'll probably I'll probably keep it there for now.\n\nChannel 0: Yep.\n\nChannel 1: And give me you know, I'll just see how I go in another year, potentially.\n\nChannel 0: Yep. Now ramping it up towards the later forties is okay. We'll pretty much let the high growth portfolio do most of the heavy lifting for you. Contributions will still go in. That's great.\n\nBut we'll look to kind of ramp that up. But is there anything else that's a real priority for you at the moment when it comes to you what you wanna do with your cash flow?\n\nChannel 1: No. No. No. I just thought because it's I don't see that. Because I haven't really grown it, I'm like, well, I need to grow.\n\nSo the high growth thing is where I want it to be. And,\n\nChannel 0: Yep.\n\nChannel 1: yeah.\n\nChannel 0: Alright. Now I think as you're catching up, you're definitely catching up because I think the average super for your age is maybe around one twenty, and you're sitting at one zero three now. So you've definitely caught up the last couple of years quite quickly. So like I\n\nChannel 1: Yeah.\n\nChannel 0: said, those investments over a ten year period will get you a really good return. It's just gonna be a roller coaster in between because anytime the news pops up with something, it's gonna go up and down, up and down. It's supposed to average out over that decade.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yep. So all all that really means, Daniel, is that in the good years, you get ten, twenty, 30, even 40% returns in the best years. And then once\n\nChannel 1: Yep.\n\nChannel 0: or twice in that decade, it's gonna drop 10 to 20%. And if you average out at 10 to 12, you're on track. K? Outside of that, going through a couple of things here, just quickly checking in on on family side of things. You're still married with the two children, dependent?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Okay. Gannett Road, still correct for the address.\n\nChannel 1: Yeah. It is. Yeah. Yep.\n\nChannel 0: K. Postal or previous address, we had Raymond Street. We've got Amanda as your next of kin slash emergency contact. Alright. Assets and liabilities just quickly as well.\n\nYou had the earthmoving business, of course. We we kind of valued it tentatively at about 517,000 as well as truck, trailer, motorbike, and your home.\n\nChannel 1: Yeah. It's at least that.\n\nChannel 0: K.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: One thing I just wanna quickly clarify with you because it it just looks strange for me to see on a spreadsheet is your main home, we had you with a a a debt on your main home of about 620,000, but we had the value\n\nChannel 1: Yeah.\n\nChannel 0: of about 18 and a half mil. Is there, like, a very large property, lots\n\nChannel 1: No.\n\nChannel 0: of\n\nChannel 1: No. No.\n\nChannel 0: Land\n\nChannel 1: One\n\nChannel 0: there?\n\nChannel 1: 0.824. 1.85.\n\nChannel 0: So, also, there was an extra zero in\n\nChannel 1: Yeah.\n\nChannel 0: there.\n\nChannel 1: Yeah.\n\nChannel 0: So I wanted to just double check. So 1.85 makes sense.\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. Yeah.\n\nAll\n\nChannel 0: Alright.\n\nChannel 1: good.\n\nChannel 0: Since we got a couple of people there, those really big farmlands where they're like, yeah, they're gonna build electricity on there, and it could be sold to a company for 20 mils. So I just wanted to double check with you.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Alright. Still got the old Land Cruisers.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Alright. You seem to have quite a lot in vehicles, which is brilliant.\n\nChannel 1: Yeah.\n\nChannel 0: Anything\n\nChannel 1: I do.\n\nChannel 0: anything else in addition to that? No sort of shares, crypto, personal loans, anything\n\nChannel 1: No.\n\nChannel 0: we\n\nChannel 1: No. My\n\nChannel 0: don't already\n\nChannel 1: no.\n\nChannel 0: have?\n\nChannel 1: No.\n\nChannel 0: Okay. Got that there. We did confirm that you did have an up to date will last year, and you had your power of attorney listed as your wife. That's all still current?\n\nChannel 1: Yeah.\n\nChannel 0: Awesome. I'm going to just quickly check your beneficiary. You had your beneficiary for your super split between Amanda, Dylan, and Aiden, fifty twenty five twenty five. Are you still okay with that?\n\nChannel 1: Yes. Yep.\n\nChannel 0: I did just wanna double check with you because it is listed as nonbinding. So it's not technically legally binding until you get a witness on paper with a wet signature. Did you want me to get that updated so it's more, like, legally binding so the super fund has to do it, or are you still okay for it to be that that nonbinding? Because nonbinding is like an automatic one you do online. If you actually sign the document, they make it like, they force the super fund to do it in all cases.\n\nDo you want me to update\n\nChannel 1: Yeah.\n\nChannel 0: that?\n\nChannel 1: No. I I I want the super funds to force to pay it in all cases. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Sure.\n\nChannel 0: And with that split, obviously, if the children are dependents, whoever receives that that money in their name and is their guardian will kind of look after it. Do you want it still split between the three? Do you want it all going to Amanda? Do you have a preference?\n\nChannel 1: Look. It can all go to Amanda because then the boys will be next to Kin anyway.\n\nChannel 0: Yeah. Perfect. And the last question I've got on that is do you want me to set it to expire every three years so that you have to review it or just let it be continuous and non lapsing?\n\nChannel 1: Not continuous\n\nChannel 0: Yeah.\n\nChannel 1: unless\n\nChannel 0: That\n\nChannel 1: I\n\nChannel 0: makes\n\nChannel 1: change\n\nChannel 0: sense.\n\nChannel 1: it. Yeah.\n\nChannel 0: Yep. Unless\n\nChannel 1: Yeah.\n\nChannel 0: you change it.\n\nChannel 1: Yeah.\n\nChannel 0: It just it's one of those things that if something significant happens, just we'll always prompt you to to update it if you need to. But I'll pretty much get them to put in a nonlapsing binding for you, and we can switch it over and get that up to date.\n\nChannel 1: Okay.\n\nChannel 0: When we send that out, if you got any questions, there'll be a cover letter with instructions. Just call the team, and they can walk you through it in about two minutes flat.\n\nChannel 1: Okay. No worries.\n\nChannel 0: Cool. When it comes to the insurance side of things, I was just gonna go through your MetLife policy and the documents I've sent and pretty much let you go. Is that okay?\n\nChannel 1: Yeah. No worries. Yep.\n\nChannel 0: Cool. You've got the MetLife there. It's got an anniversary in December. So it's not too bad in the price, actually. You're only paying about $1.05 $6.07.\n\nAnd then off of that, you get a 15% tax rebate. So that's for your million dollars and 50,000 of life insurance, disability insurance, and you've even got income protection on top of that. So\n\nChannel 1: Okay.\n\nChannel 0: Amanda's listed as beneficiary for your life insurance. Perfect. Your income protection, just because that changes every year, let me just do a quick calculation because it bases it on 70%. Yeah. It's protecting an income of about 53 and a half thousand.\n\nThat's what it's kind of based on on paper.\n\nChannel 1: Okay.\n\nChannel 0: So ninety day waiting period, if you're out of work for three months, it kicks in, pays you 3,000 just over 3,000 a month for up to five years. And with that million dollars of life insurance and total disability, that's gonna make a pretty big dent in loans and liabilities and things like that. Are you still comfortable with that amount?\n\nChannel 1: Sorry. What what amount was that?\n\nChannel 0: So it's a million and 50,000 if you were to pass away or can never work again.\n\nChannel 1: Mhmm. Yeah. Okay. Yeah.\n\nChannel 0: Now one of the things that we do,\n\nChannel 1: Yep.\n\nChannel 0: I keep an eye on this every year because once you hit the forties, it can start to creep up quite quickly in the price. It's only 1,500 now, but by the time you hit 50, it might be $6,000, $3,000, that kind of thing. So as you pay down debt, we tend to trim it down to keep on top of it. So it's not looking too bad now, but it might be something that we review in twelve months' time.\n\nChannel 1: Okay.\n\nChannel 0: K.\n\nChannel 1: Alright.\n\nChannel 0: Are you comfortable with how it is so far? Okeydoke. Everything's looking pretty up to date there. No major changes. Anything else you're focusing on for the next few years?\n\nChannel 1: Mhmm. No. That's all, mate.\n\nChannel 0: Perfect. It's looking pretty straightforward. I'll keep an eye on this investment. We'll keep an eye on the anniversary for your MetLife policy. If there's\n\nChannel 1: Thanks.\n\nChannel 0: anything crazy, we'll get in touch with you. Is there any other areas of advice that you wanted to explore? Any investing or anything like that?\n\nChannel 1: And do you use the income protection?\n\nChannel 0: Yeah. You've got a bit of a small policy there with MetLife that covers your you've got one there, the income protection that covers, like, your paper income. So if you're paying out of your business that thousand bucks a week or give or take, that's currently insured.\n\nChannel 1: Okay.\n\nChannel 0: K.\n\nChannel 1: So sorry.\n\nChannel 0: Is\n\nChannel 1: What\n\nChannel 0: there\n\nChannel 1: was\n\nChannel 0: anything\n\nChannel 1: that\n\nChannel 0: you\n\nChannel 1: figure\n\nChannel 0: need\n\nChannel 1: again?\n\nChannel 0: above that? So\n\nChannel 1: Sorry.\n\nChannel 0: it apologies.\n\nChannel 1: What was that\n\nChannel 0: It's\n\nChannel 1: figure again?\n\nChannel 0: 53,000 worth of incomes being protected.\n\nChannel 1: Yeah. Oh, yeah. Okay. Alright.\n\nChannel 0: So whatever's on paper there, like, let's say you're paying yourself a thousand bucks a week wages, you give them your tax return. If you can't work for a few months, they'll kick in 70% of that.\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: K. Does that need to be\n\nChannel 1: No\n\nChannel 0: changed,\n\nChannel 1: worries.\n\nChannel 0: or is that alright?\n\nChannel 1: No. That's alright. No. Thank you.\n\nChannel 0: Amazing. Alright. Any other questions for me so far, Daniel, before I let you go?\n\nChannel 1: No. That's alright. Thank you.\n\nChannel 0: Cool. Just letting you know that that package through to your email now with next stage civil outlook dot com. It's got all the attachments there. There'll be a link there for the service agreement. Now I did wanna double check.\n\nAre you still comfortable to remain a client with Ophiu?\n\nChannel 1: Yes.\n\nChannel 0: Cool. So the fee should still be 1.65%, paid monthly throughout for the super. Once you get to 600,000, we do cap it. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: I'm just gonna double check your service dates on hub twenty four and then let you go. So just bear in mind that the service agreement expires on the August 1, So we do have that refresh one there for you. And would you like me to leave it as yearly reviews, or would you like me to switch it to, like, quarterly contact, six monthly contact?\n\nChannel 1: Order is fine.\n\nChannel 0: Yep. Quarterly. I'll make sure that's flagged on your account, and we'll probably give you a buzz. I've got I'll be on paternity leave in June, so I'll probably pencil in the call year around July, August. Thank you so much for that, Daniel.\n\nAnything else before I let you go, sir?\n\nChannel 1: No worries. No. That's all.\n\nChannel 0: Alright. You have a fantastic day, and thank you for your time.\n\nChannel 1: Okay. Thank you.\n\nChannel 0: Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.64,"end":1.14,"sentiment":"neutral","sentiment_score":0.02848188579082489}],"sentiment":"neutral","sentiment_score":0.02848188579082489,"channel":1,"num_words":1,"start":0.64,"end":1.14},{"sentences":[{"text":"Good morning,","start":4.72,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.2070506289601326}],"sentiment":"neutral","sentiment_score":0.2070506289601326,"channel":0,"num_words":2,"start":4.72,"end":5.3599997},{"sentences":[{"text":"Hello?","start":5.2,"end":5.7,"sentiment":"neutral","sentiment_score":0.12174990773200987}],"sentiment":"neutral","sentiment_score":0.12174990773200987,"channel":1,"num_words":1,"start":5.2,"end":5.7},{"sentences":[{"text":"Daniel.","start":5.3599997,"end":5.68,"sentiment":"neutral","sentiment_score":0.13572651147842407},{"text":"It's Tommy here from Oakview Financial, one of the senior advisers.","start":5.68,"end":8.72,"sentiment":"neutral","sentiment_score":0.1335731873458082},{"text":"Mate, how are you doing today?","start":8.72,"end":9.94,"sentiment":"neutral","sentiment_score":0.1754399612545967}],"sentiment":"neutral","sentiment_score":0.14764840776721636,"channel":0,"num_words":18,"start":5.3599997,"end":9.94},{"sentences":[{"text":"Good.","start":9.76,"end":10.16,"sentiment":"neutral","sentiment_score":0.3080912232398987},{"text":"How are you?","start":10.16,"end":10.9,"sentiment":"neutral","sentiment_score":0.23675226668516794}],"sentiment":"neutral","sentiment_score":0.25458700582385063,"channel":1,"num_words":4,"start":9.76,"end":10.9},{"sentences":[{"text":"I'm doing fantastic.","start":11.28,"end":12.66,"sentiment":"positive","sentiment_score":0.7513473232587179},{"text":"It's a beautiful day today.","start":12.799999,"end":14.235,"sentiment":"positive","sentiment_score":0.7693177461624146},{"text":"I'm just giving you a call to go through your annual review, sir.","start":14.315,"end":17.375,"sentiment":"neutral","sentiment_score":0.24772491248754355}],"sentiment":"positive","sentiment_score":0.4438597410917282,"channel":0,"num_words":21,"start":11.28,"end":17.375},{"sentences":[{"text":"Yeah.","start":18.045,"end":18.365,"sentiment":"neutral","sentiment_score":0.09214327484369278},{"text":"Okay.","start":18.365,"end":18.765,"sentiment":"neutral","sentiment_score":0.08360480517148972},{"text":"Yeah.","start":18.765,"end":19.085,"sentiment":"neutral","sentiment_score":0.08051938563585281},{"text":"No worries.","start":19.085,"end":19.824999,"sentiment":"neutral","sentiment_score":0.10353294759988785},{"text":"Yep.","start":20.205,"end":20.705,"sentiment":"neutral","sentiment_score":0.1631178855895996}],"sentiment":"neutral","sentiment_score":0.10440854107340176,"channel":1,"num_words":6,"start":18.045,"end":20.705},{"sentences":[{"text":"Perfect.","start":20.395,"end":20.795,"sentiment":"positive","sentiment_score":0.391666054725647},{"text":"Perfect.","start":20.795,"end":21.195,"sentiment":"neutral","sentiment_score":0.2883104085922241},{"text":"So","start":21.195,"end":21.695,"sentiment":"neutral","sentiment_score":0.09964317828416824}],"sentiment":"neutral","sentiment_score":0.25987321386734646,"channel":0,"num_words":3,"start":20.395,"end":21.695},{"sentences":[{"text":"Yeah.","start":22.845,"end":23.164999,"sentiment":"neutral","sentiment_score":0.061176180839538574},{"text":"I was just concerned about what's going on with the wall and things like that, really, more than anything.","start":23.164999,"end":28.224998,"sentiment":"neutral","sentiment_score":-0.07428105940159999},{"text":"That's why.","start":28.29,"end":29.19,"sentiment":"neutral","sentiment_score":0.017163824755698442}],"sentiment":"neutral","sentiment_score":-0.05981074083088474,"channel":1,"num_words":22,"start":22.845,"end":29.19},{"sentences":[{"text":"Perfect.","start":28.89,"end":29.369999,"sentiment":"neutral","sentiment_score":0.2549128532409668},{"text":"So what I'll do, mate,","start":29.369999,"end":30.33,"sentiment":"neutral","sentiment_score":0.09576174765825271}],"sentiment":"neutral","sentiment_score":0.12228693192203839,"channel":0,"num_words":6,"start":28.89,"end":30.33},{"sentences":[{"text":"Yeah.","start":30.29,"end":30.79,"sentiment":"neutral","sentiment_score":0.12297770380973816}],"sentiment":"neutral","sentiment_score":0.12297770380973816,"channel":1,"num_words":1,"start":30.29,"end":30.79},{"sentences":[{"text":"if it's okay with you, is I'll go through a quick security check.","start":30.33,"end":33.47,"sentiment":"neutral","sentiment_score":0.15246963271727929},{"text":"I've got an annual review pack ready to send to your email address, and then I'll walk you through how the super is going, update a few details, and we should be good to go.","start":33.53,"end":43.015,"sentiment":"neutral","sentiment_score":0.22927852336849486},{"text":"Is that okay?","start":43.015,"end":43.835,"sentiment":"neutral","sentiment_score":0.12102049340804417}],"sentiment":"neutral","sentiment_score":0.20333166712639378,"channel":0,"num_words":51,"start":30.33,"end":43.835},{"sentences":[{"text":"Yeah.","start":44.054996,"end":44.454998,"sentiment":"neutral","sentiment_score":0.05322669446468353},{"text":"No worries.","start":44.454998,"end":45.195,"sentiment":"neutral","sentiment_score":0.08196620643138885},{"text":"Yep.","start":45.414997,"end":45.914997,"sentiment":"neutral","sentiment_score":0.1101001724600792}],"sentiment":"neutral","sentiment_score":0.08181481994688511,"channel":1,"num_words":4,"start":44.054996,"end":45.914997},{"sentences":[{"text":"Perfect, mate.","start":45.575,"end":46.215,"sentiment":"neutral","sentiment_score":0.27558302879333496},{"text":"Is it okay for the call to be recorded?","start":46.215,"end":48.635,"sentiment":"neutral","sentiment_score":0.09194948358668222}],"sentiment":"neutral","sentiment_score":0.12533740089698273,"channel":0,"num_words":11,"start":45.575,"end":48.635},{"sentences":[{"text":"Yeah.","start":49.094997,"end":49.414997,"sentiment":"neutral","sentiment_score":0.05961359292268753},{"text":"No worries, man.","start":49.414997,"end":50.135,"sentiment":"neutral","sentiment_score":0.08919919033845265},{"text":"Yeah.","start":50.135,"end":50.635,"sentiment":"neutral","sentiment_score":0.1505526304244995}],"sentiment":"neutral","sentiment_score":0.095552758872509,"channel":1,"num_words":5,"start":49.094997,"end":50.635},{"sentences":[{"text":"Cool.","start":51.255,"end":51.735,"sentiment":"neutral","sentiment_score":0.20216310024261477},{"text":"And we do have a password on file for you for the security of your information.","start":51.735,"end":56.99,"sentiment":"neutral","sentiment_score":0.11497060721740127},{"text":"Do you remember what that password was?","start":56.99,"end":58.77,"sentiment":"neutral","sentiment_score":0.06247698409216745}],"sentiment":"neutral","sentiment_score":0.1032929876819253,"channel":0,"num_words":24,"start":51.255,"end":58.77},{"sentences":[{"text":"Tell it to the tool then.","start":62.69,"end":64.07,"sentiment":"neutral","sentiment_score":0.06553874475260575}],"sentiment":"neutral","sentiment_score":0.06553874475260575,"channel":1,"num_words":6,"start":62.69,"end":64.07},{"sentences":[{"text":"Perfect.","start":64.75,"end":65.25,"sentiment":"positive","sentiment_score":0.386945903301239},{"text":"Aced it.","start":65.55,"end":66.19,"sentiment":"positive","sentiment_score":0.4272967129945755},{"text":"Fantastic.","start":66.19,"end":66.69,"sentiment":"positive","sentiment_score":0.5298045873641968},{"text":"Thank you for that, Daniel.","start":66.83,"end":67.97,"sentiment":"positive","sentiment_score":0.5325007677078247},{"text":"Now I'm gonna pop this pack off to your Outlook email, next stage civil.","start":68.795,"end":73.854996,"sentiment":"neutral","sentiment_score":0.1844480506011418}],"sentiment":"neutral","sentiment_score":0.3050487158091172,"channel":0,"num_words":23,"start":64.75,"end":73.854996},{"sentences":[{"text":"Is that still okay?","start":73.994995,"end":75.454994,"sentiment":"neutral","sentiment_score":0.1145483311265707}],"sentiment":"neutral","sentiment_score":0.1145483311265707,"channel":0,"num_words":4,"start":73.994995,"end":75.454994},{"sentences":[{"text":"Yeah.","start":76.325005,"end":76.825005,"sentiment":"neutral","sentiment_score":0.07179387658834457},{"text":"Yep.","start":76.885,"end":77.385,"sentiment":"neutral","sentiment_score":0.06765830516815186}],"sentiment":"neutral","sentiment_score":0.06972609087824821,"channel":1,"num_words":2,"start":76.325005,"end":77.385},{"sentences":[{"text":"Of course.","start":77.274994,"end":77.91499,"sentiment":"neutral","sentiment_score":0.07459502667188644},{"text":"Will you be able to look onto that email with me, or do you want me to kind of just walk you through what's there?","start":77.91499,"end":82.814995,"sentiment":"neutral","sentiment_score":0.06071813762187958}],"sentiment":"neutral","sentiment_score":0.061746055329287494,"channel":0,"num_words":27,"start":77.274994,"end":82.814995},{"sentences":[{"text":"What do you mean?","start":83.845,"end":84.645004,"sentiment":"neutral","sentiment_score":-0.003432675264775753},{"text":"Sorry.","start":84.645004,"end":85.145004,"sentiment":"neutral","sentiment_score":-0.016389865428209305}],"sentiment":"neutral","sentiment_score":-0.006024113297462464,"channel":1,"num_words":5,"start":83.845,"end":85.145004},{"sentences":[{"text":"So I'm sending you through an annual review pack with a few attachments there.","start":85.47,"end":89.07,"sentiment":"neutral","sentiment_score":0.01171538104037089},{"text":"Will you be able to look at those attachments with me today, or should I just kind of talk you through them?","start":89.07,"end":93.89,"sentiment":"neutral","sentiment_score":0.01814597514881329}],"sentiment":"neutral","sentiment_score":0.015645188551085692,"channel":0,"num_words":36,"start":85.47,"end":93.89},{"sentences":[{"text":"Oh, no.","start":94.159996,"end":94.56,"sentiment":"neutral","sentiment_score":0.007568970788270235},{"text":"Just talk me through, mate.","start":94.56,"end":95.92,"sentiment":"neutral","sentiment_score":0.02242695353925228},{"text":"That's alright.","start":95.92,"end":96.659996,"sentiment":"neutral","sentiment_score":0.12624500691890717}],"sentiment":"neutral","sentiment_score":0.0421958581234018,"channel":1,"num_words":9,"start":94.159996,"end":96.659996},{"sentences":[{"text":"Easy done.","start":97.405,"end":97.965004,"sentiment":"neutral","sentiment_score":0.27300333976745605},{"text":"Easy done.","start":97.965004,"end":98.765,"sentiment":"neutral","sentiment_score":0.2247423529624939},{"text":"So just to let you know what I have sent, that pack includes your insurance information, super performance, an updated financial services guide with us, so updated 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a service agreement as well if you're still comfortable to remain a client after the review, and a few other kind of little graphic packs for you if you're curious as well.","start":111.29,"end":122.27,"sentiment":"neutral","sentiment_score":0.20213404613913913},{"text":"Now when it","start":122.775,"end":123.494995,"sentiment":"neutral","sentiment_score":0.031005072096983593}],"sentiment":"neutral","sentiment_score":0.18787329830229282,"channel":0,"num_words":36,"start":111.29,"end":123.494995},{"sentences":[{"text":"Mhmm.","start":123.42,"end":123.92,"sentiment":"neutral","sentiment_score":0.006179526448249817}],"sentiment":"neutral","sentiment_score":0.006179526448249817,"channel":1,"num_words":1,"start":123.42,"end":123.92},{"sentences":[{"text":"comes to the current situation, before I go through your details, let's just jump into the super for a bit.","start":123.494995,"end":129.035,"sentiment":"neutral","sentiment_score":0.01679776394739747}],"sentiment":"neutral","sentiment_score":0.01679776394739747,"channel":0,"num_words":20,"start":123.494995,"end":129.035},{"sentences":[{"text":"Oh,","start":128.965,"end":129.465,"sentiment":"neutral","sentiment_score":0.022654233500361443}],"sentiment":"neutral","sentiment_score":0.022654233500361443,"channel":1,"num_words":1,"start":128.965,"end":129.465},{"sentences":[{"text":"Do you usually log in to your Hub twenty four account to keep an eye on it, or is it more just what you've heard on the news?","start":129.175,"end":134.795,"sentiment":"neutral","sentiment_score":0.01665447123481759}],"sentiment":"neutral","sentiment_score":0.01665447123481759,"channel":0,"num_words":28,"start":129.175,"end":134.795},{"sentences":[{"text":"I'm more just sorta hit on the news, mate.","start":135.605,"end":137.205,"sentiment":"neutral","sentiment_score":-0.04421783238649368},{"text":"I don't really yeah.","start":137.205,"end":139.225,"sentiment":"neutral","sentiment_score":-0.12340765632688999},{"text":"I don't really keep an eye on it.","start":140.16501,"end":141.6,"sentiment":"neutral","sentiment_score":-0.08791672997176647}],"sentiment":"neutral","sentiment_score":-0.07594880745524452,"channel":1,"num_words":21,"start":135.605,"end":141.6},{"sentences":[{"text":"That's alright.","start":142.05,"end":142.53,"sentiment":"neutral","sentiment_score":0.07719557546079159},{"text":"That's what you pay us for.","start":142.53,"end":143.99,"sentiment":"neutral","sentiment_score":0.13666346669197083},{"text":"I have done a bit of a deep dive on your super, basically, since you've been a client and also the last twelve months.","start":144.37001,"end":150.875,"sentiment":"neutral","sentiment_score":0.04140380583703518},{"text":"Now what I can basically tell you is that what's happened in Iran over there, that's kind of impacted, obviously, interest rates, cost of living, stock market's gone up and down quite a bit, and most people's super","start":151.335,"end":163.20999,"sentiment":"neutral","sentiment_score":-0.15764961381884}],"sentiment":"neutral","sentiment_score":-0.057466029056480954,"channel":0,"num_words":70,"start":142.05,"end":163.20999},{"sentences":[{"text":"Uh-huh.","start":163.015,"end":163.515,"sentiment":"neutral","sentiment_score":-0.2205313891172409}],"sentiment":"neutral","sentiment_score":-0.2205313891172409,"channel":1,"num_words":1,"start":163.015,"end":163.515},{"sentences":[{"text":"has kind of gone down.","start":163.20999,"end":164.51,"sentiment":"neutral","sentiment_score":-0.2608148604631424},{"text":"So I'll give you a quick example of your balance for the last three months.","start":164.65,"end":169.95,"sentiment":"neutral","sentiment_score":-0.003723817815383275},{"text":"Now twelve months ago, you were sitting at 85,000.","start":171.20999,"end":175.29,"sentiment":"neutral","sentiment_score":-0.004209817024982638},{"text":"You're now sitting at a 103,000.","start":175.29,"end":177.39,"sentiment":"neutral","sentiment_score":0.05110130086541176},{"text":"So you're still up for the year.","start":177.405,"end":179.025,"sentiment":"neutral","sentiment_score":0.17125649856669561}],"sentiment":"neutral","sentiment_score":0.0025615088663817867,"channel":0,"num_words":42,"start":163.20999,"end":179.025},{"sentences":[{"text":"You did","start":180.205,"end":180.605,"sentiment":"neutral","sentiment_score":0.06690166145563126}],"sentiment":"neutral","sentiment_score":0.06690166145563126,"channel":0,"num_words":2,"start":180.205,"end":180.605},{"sentences":[{"text":"Uh-huh.","start":180.59,"end":181.09,"sentiment":"neutral","sentiment_score":0.004142306745052338}],"sentiment":"neutral","sentiment_score":0.004142306745052338,"channel":1,"num_words":1,"start":180.59,"end":181.09},{"sentences":[{"text":"have a little bit of a bounce down from when it was at a 102.","start":180.605,"end":183.885,"sentiment":"neutral","sentiment_score":-0.10310114671786626},{"text":"It went down to 96 and then back up to $1.00 3.","start":183.885,"end":187.265,"sentiment":"neutral","sentiment_score":-0.0802345455934604},{"text":"So it was only for about a month or so that it was going down, and it has kind of recovered since then.","start":187.485,"end":193.38,"sentiment":"neutral","sentiment_score":-0.1552963922529117}],"sentiment":"neutral","sentiment_score":-0.12162297539412975,"channel":0,"num_words":50,"start":180.605,"end":193.38},{"sentences":[{"text":"Yeah.","start":194.715,"end":195.115,"sentiment":"neutral","sentiment_score":0.010683715343475342},{"text":"Okay.","start":195.115,"end":195.615,"sentiment":"neutral","sentiment_score":0.008213277906179428},{"text":"So I guess when I hear that, you know, the target that I guess I discussed when I signed up with you guys, are we on track for those long term targets still, or is that sort of not relevant really?","start":197.275,"end":213.275,"sentiment":"neutral","sentiment_score":-0.01634176248093931}],"sentiment":"neutral","sentiment_score":-0.015142215545787367,"channel":1,"num_words":43,"start":194.715,"end":213.275},{"sentences":[{"text":"Brilliant question.","start":214.11499,"end":215.075,"sentiment":"positive","sentiment_score":0.3934909552335739},{"text":"So when it comes to averages, it does obviously fluctuate with the market.","start":215.075,"end":219.89,"sentiment":"neutral","sentiment_score":-0.019724918959232476},{"text":"Sometimes you have bad years.","start":219.89,"end":221.09,"sentiment":"neutral","sentiment_score":-0.1943003237247467},{"text":"Sometimes you have good years.","start":221.09,"end":222.47,"sentiment":"neutral","sentiment_score":-0.055579569190740585},{"text":"You're still aiming for that kind of double 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sense?","start":232.04999,"end":233.18999,"sentiment":"neutral","sentiment_score":0.21843725442886353}],"sentiment":"positive","sentiment_score":0.3969711101055145,"channel":0,"num_words":25,"start":225.65,"end":233.18999},{"sentences":[{"text":"Yeah.","start":233.9,"end":234.4,"sentiment":"neutral","sentiment_score":0.23181986808776855}],"sentiment":"neutral","sentiment_score":0.23181986808776855,"channel":1,"num_words":1,"start":233.9,"end":234.4},{"sentences":[{"text":"Now your twelve month return after fees, 17 and a half percent.","start":234.865,"end":240.245,"sentiment":"neutral","sentiment_score":0.25681234151124954},{"text":"So you've still completely gone above target for the last 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you've actually got one of the strongest returns that I've seen this year even though you're in quite a high growth portfolio.","start":248.31999,"end":256.74,"sentiment":"positive","sentiment_score":0.5684833980124929},{"text":"Like, most everything that you have is in growth assets, shares, property, gold to try and get you those high long term returns.","start":256.96,"end":264.025,"sentiment":"positive","sentiment_score":0.44733154125835584},{"text":"Does that ring a 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we do have to protect that because you don't wanna be 64 and lose half your super year before you go to retire.","start":324.04498,"end":331.88498,"sentiment":"neutral","sentiment_score":-0.05747229491288845},{"text":"Does that make sense?","start":331.88498,"end":332.945,"sentiment":"neutral","sentiment_score":0.04369485192000866}],"sentiment":"neutral","sentiment_score":0.03148577264731839,"channel":0,"num_words":63,"start":312.11,"end":332.945},{"sentences":[{"text":"Yeah.","start":333.26,"end":333.76,"sentiment":"neutral","sentiment_score":0.0233843382447958}],"sentiment":"neutral","sentiment_score":0.0233843382447958,"channel":1,"num_words":1,"start":333.26,"end":333.76},{"sentences":[{"text":"So what I wanted to kind of ask you is based on that last review, you were still trying to retire as early as possible.","start":335.08,"end":343.48,"sentiment":"neutral","sentiment_score":0.0064358656108379365},{"text":"We had you set down to a retirement age of 60 rather than waiting all 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having a look there.","start":489.035,"end":490.235,"sentiment":"neutral","sentiment_score":0.09195075804988544},{"text":"We've still got contributions coming in, and you're pretty much putting in what seems to be about it looks around 400 a month or 400 a fortnight from what I can see coming in.","start":490.235,"end":502.56,"sentiment":"neutral","sentiment_score":0.09508541785180569}],"sentiment":"neutral","sentiment_score":0.09313431036259447,"channel":0,"num_words":42,"start":486.63498,"end":502.56},{"sentences":[{"text":"Yeah.","start":504.48,"end":504.96002,"sentiment":"neutral","sentiment_score":0.12877407670021057},{"text":"Yep.","start":504.96002,"end":505.46002,"sentiment":"neutral","sentiment_score":0.14067313075065613}],"sentiment":"neutral","sentiment_score":0.13472360372543335,"channel":1,"num_words":2,"start":504.48,"end":505.46002},{"sentences":[{"text":"Just have a look at the frequency 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gonna base all of the, like, projections and things on.","start":527.47003,"end":531.57,"sentiment":"neutral","sentiment_score":0.19823939725756645},{"text":"Are you looking to increase that?","start":532.145,"end":534.22504,"sentiment":"neutral","sentiment_score":0.13341666385531425},{"text":"Are you okay to continue that based on how you've got your your company structured?","start":534.22504,"end":538.565,"sentiment":"neutral","sentiment_score":0.13224324186642963}],"sentiment":"neutral","sentiment_score":0.1891488329930739,"channel":0,"num_words":55,"start":520.11,"end":538.565},{"sentences":[{"text":"I'll probably I'll probably keep it there for 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okay.","start":554.88,"end":557.45996,"sentiment":"positive","sentiment_score":0.3453528255224228},{"text":"We'll pretty much let the high growth portfolio do most of the heavy lifting for you.","start":559.34503,"end":563.825,"sentiment":"positive","sentiment_score":0.46294115111231804},{"text":"Contributions will still go in.","start":563.825,"end":565.10504,"sentiment":"positive","sentiment_score":0.4125316977500916},{"text":"That's great.","start":565.10504,"end":565.84503,"sentiment":"positive","sentiment_score":0.6359290480613708}],"sentiment":"positive","sentiment_score":0.4247465957613552,"channel":0,"num_words":34,"start":552.95996,"end":565.84503},{"sentences":[{"text":"But we'll look to kind of ramp that up.","start":566.065,"end":568.385,"sentiment":"neutral","sentiment_score":0.27548963328202564},{"text":"But is there anything else that's a real priority for you at the moment when it comes to you what you wanna do with your cash 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once","start":631.34,"end":632.06,"sentiment":"neutral","sentiment_score":-0.025093672176202137}],"sentiment":"neutral","sentiment_score":0.3010636401073686,"channel":0,"num_words":29,"start":623.185,"end":632.06},{"sentences":[{"text":"Yep.","start":631.915,"end":632.415,"sentiment":"neutral","sentiment_score":-0.0626758486032486}],"sentiment":"neutral","sentiment_score":-0.0626758486032486,"channel":1,"num_words":1,"start":631.915,"end":632.415},{"sentences":[{"text":"or twice in that decade, it's gonna drop 10 to 20%.","start":632.06,"end":635.28,"sentiment":"neutral","sentiment_score":-0.10747757621786812},{"text":"And if you average out at 10 to 12, you're on track.","start":635.34,"end":638.96,"sentiment":"neutral","sentiment_score":0.19605378868679205},{"text":"K?","start":641.02,"end":641.52,"sentiment":"neutral","sentiment_score":0.04119031876325607},{"text":"Outside of that, going through a couple of things here, just quickly checking in on on family side of 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explore?","start":1039.2949,"end":1042.275,"sentiment":"neutral","sentiment_score":0.13054192128280798},{"text":"Any investing or anything like that?","start":1042.335,"end":1044.355,"sentiment":"neutral","sentiment_score":0.07914047315716743}],"sentiment":"neutral","sentiment_score":0.1253833489922377,"channel":0,"num_words":26,"start":1036.41,"end":1044.355},{"sentences":[{"text":"And do you use the income protection?","start":1045.3099,"end":1047.17,"sentiment":"neutral","sentiment_score":0.03790671245328018}],"sentiment":"neutral","sentiment_score":0.03790671245328018,"channel":1,"num_words":7,"start":1045.3099,"end":1047.17},{"sentences":[{"text":"Yeah.","start":1048.335,"end":1048.6549,"sentiment":"neutral","sentiment_score":0.14976546168327332},{"text":"You've got a bit of a small policy there with MetLife that covers your you've got one there, the income protection that covers, like, your paper 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So we do have that refresh one there for you.","start":1145.3,"end":1153.375,"sentiment":"neutral","sentiment_score":0.08295477467860717},{"text":"And would you like me to leave it as yearly reviews, or would you like me to switch it to, like, quarterly contact, six monthly contact?","start":1153.595,"end":1161.295,"sentiment":"neutral","sentiment_score":0.04978626113958084}],"sentiment":"neutral","sentiment_score":0.07325919911807487,"channel":0,"num_words":67,"start":1139.4601,"end":1161.295},{"sentences":[{"text":"Order is fine.","start":1162.9,"end":1163.9601,"sentiment":"neutral","sentiment_score":0.16031203667322794}],"sentiment":"neutral","sentiment_score":0.16031203667322794,"channel":1,"num_words":3,"start":1162.9,"end":1163.9601},{"sentences":[{"text":"Yep.","start":1164.5701,"end":1164.89,"sentiment":"neutral","sentiment_score":0.14297685027122498},{"text":"Quarterly.","start":1164.89,"end":1165.37,"sentiment":"neutral","sentiment_score":0.11006297171115877},{"text":"I'll make sure that's flagged on your account, and we'll probably give you a buzz.","start":1165.37,"end":1168.73,"sentiment":"neutral","sentiment_score":0.189735542734464},{"text":"I've got I'll be on paternity leave in June, so I'll probably pencil in the call year around July, August.","start":1168.73,"end":1174.27,"sentiment":"neutral","sentiment_score":0.0893566831946373},{"text":"Thank you so much for that, Daniel.","start":1178.505,"end":1180.025,"sentiment":"positive","sentiment_score":0.8313069428716388}],"sentiment":"neutral","sentiment_score":0.24330352788621729,"channel":0,"num_words":44,"start":1164.5701,"end":1180.025},{"sentences":[{"text":"Anything else before I let you go, sir?","start":1180.025,"end":1181.6368,"sentiment":"neutral","sentiment_score":0.3249996043741703}],"sentiment":"neutral","sentiment_score":0.3249996043741703,"channel":0,"num_words":8,"start":1180.025,"end":1181.6368},{"sentences":[{"text":"No worries.","start":1182.0399,"end":1182.12,"sentiment":"neutral","sentiment_score":0.15002132207155228},{"text":"No.","start":1182.12,"end":1182.36,"sentiment":"neutral","sentiment_score":0.070314921438694},{"text":"That's all.","start":1182.36,"end":1183.1,"sentiment":"neutral","sentiment_score":0.216040201485157}],"sentiment":"neutral","sentiment_score":0.1604875937104225,"channel":1,"num_words":5,"start":1182.0399,"end":1183.1},{"sentences":[{"text":"Alright.","start":1183.5569,"end":1184.0369,"sentiment":"positive","sentiment_score":0.5215634703636169},{"text":"You have a fantastic day, and thank you for your time.","start":1184.0369,"end":1186.5369,"sentiment":"positive","sentiment_score":0.8127860101786527}],"sentiment":"positive","sentiment_score":0.7885174651940664,"channel":0,"num_words":12,"start":1183.5569,"end":1186.5369},{"sentences":[{"text":"Okay.","start":1187.1599,"end":1187.48,"sentiment":"positive","sentiment_score":0.47374963760375977},{"text":"Thank you.","start":1187.48,"end":1188.2999,"sentiment":"positive","sentiment_score":0.6710783839225769}],"sentiment":"positive","sentiment_score":0.6053021351496378,"channel":1,"num_words":3,"start":1187.1599,"end":1188.2999},{"sentences":[{"text":"Thank you.","start":1188.4369,"end":1188.9968,"sentiment":"positive","sentiment_score":0.628596156835556},{"text":"Bye.","start":1188.9968,"end":1189.4968,"sentiment":"neutral","sentiment_score":-0.11559110134840012}],"sentiment":"positive","sentiment_score":0.38053373744090396,"channel":0,"num_words":3,"start":1188.4369,"end":1189.4968}]},"summary":{"result":"success","short":"Representatives from Oakview Financial update Daniel on his annual review and provide him with a password to access his account. They discuss his recent financial situation and retirement plans, and provide options for high growth assets. The speakers also discuss his employment and retirement plans, maintaining a positive outlook, and updating his financial information. They provide information on his retirement plans, beneficiary information, and monthly payment and service dates, and offer advice on his investment and insurance policy. The agents emphasize the importance of maintaining a positive outlook and reminding him to review his policy and call back if he has any questions."},"intents":{"segments":[{"text":"if it's okay with you, is I'll go through a quick security check. I've got an annual review pack ready to send to your email address, and then I'll walk you through how the super is going, update a few details, and we should be good to go. Is that okay? Yeah.","start_word":85,"end_word":136,"intents":[{"intent":"Send annual review pack","confidence_score":0.2881548},{"intent":"Update details","confidence_score":0.09602677},{"intent":"Confirm email","confidence_score":0.0024484505},{"intent":"Provide security check","confidence_score":0.0060159205}]},{"text":"So I'm sending you through an annual review pack with a few attachments there. Will you be able to look at those attachments with me today, or should I just kind of talk you through them? Oh, no.","start_word":247,"end_word":284,"intents":[{"intent":"Discuss attachments","confidence_score":0.065010175}]},{"text":"So just to let you know what I have sent, that pack includes your insurance information, super performance, an updated financial services guide with us, so updated licensing Yep. information.","start_word":296,"end_word":325,"intents":[{"intent":"Provide information","confidence_score":0.2647432}]},{"text":"comes to the current situation, before I go through your details, let's just jump into the super for a bit.","start_word":365,"end_word":384,"intents":[{"intent":"Discuss super status","confidence_score":0.00038958562}]},{"text":"Oh, Do you usually log in to your Hub twenty four account to keep an eye on it, or is it more just what you've heard on the news?","start_word":385,"end_word":413,"intents":[{"intent":"Review super account","confidence_score":0.0023931426}]},{"text":"I have done a bit of a deep dive on your super, basically, since you've been a client and also the last twelve months.","start_word":443,"end_word":466,"intents":[{"intent":"Explain past meetings","confidence_score":0.000004249532}]},{"text":"Now what I can basically tell you is that what's happened in Iran over there, that's kind of impacted, obviously, interest rates, cost of living, stock market's gone up and down quite a bit, and most people's super Uh-huh. has kind of gone down.","start_word":467,"end_word":510,"intents":[{"intent":"Discuss interest rates","confidence_score":0.079096675}]},{"text":"So I'll give you a quick example of your balance for the last three months. Now twelve months ago, you were sitting at 85,000. You're now sitting at a 103,000. So you're still up for the year.","start_word":511,"end_word":547,"intents":[{"intent":"Provide updated status","confidence_score":0.000004077676}]},{"text":"So when it comes to averages, it does obviously fluctuate with the market. Sometimes you have bad years. Sometimes you have good years.","start_word":646,"end_word":668,"intents":[{"intent":"Evaluate market influence","confidence_score":0.00002992246}]},{"text":"So you've actually got one of the strongest returns that I've seen this year even though you're in quite a high growth portfolio. Like, most everything that you have is in growth assets, shares, property, gold to try and get you those high long term returns. Does that ring a bell?","start_word":732,"end_word":782,"intents":[{"intent":"Understand portfolio portfolio's performance","confidence_score":1.0566e-7}]},{"text":"We had you set down to a retirement age of 60 rather than waiting all the way to age pension age at 67 or 70. Is that still your main focus?","start_word":1005,"end_word":1035,"intents":[{"intent":"Discuss retirement age","confidence_score":0.39627892},{"intent":"Discuss retirement age","confidence_score":0.2146882}]},{"text":"We had you set down to a retirement age of 60 rather than waiting all the way to age pension age at 67 or 70. Is that still your main focus? Yes.","start_word":1005,"end_word":1036,"intents":[{"intent":"Clarify retirement age","confidence_score":0.15378346},{"intent":"Explain retirement age","confidence_score":0.0036032582},{"intent":"Clarify retirement age","confidence_score":0.071469665},{"intent":"Confirm retirement age","confidence_score":0.004421634}]},{"text":"And yeah. Like, it'd be good to What are my other options, I guess?","start_word":1036,"end_word":1049,"intents":[{"intent":"Discuss options","confidence_score":0.0026209562}]},{"text":"What I'm sort of trying to gauge is are you still okay to stay high growth until Yeah.","start_word":1070,"end_word":1087,"intents":[{"intent":"Express interest in higher growth","confidence_score":0.0028765865}]},{"text":"make sense? That's that's really what I had in my head. Yeah. Yep. Yeah.","start_word":1124,"end_word":1137,"intents":[{"intent":"Confirm understanding","confidence_score":0.09330307}]},{"text":"The last Right.","start_word":1181,"end_word":1183,"intents":[{"intent":"Discuss age frame","confidence_score":0.0010178995}]},{"text":"Goals wise, you'd been self employed for quite a while in that 2025 review with Dana, and you were just trying to kind of build the business, pay down the mortgage. Does that still sound correct? Yeah.","start_word":1290,"end_word":1326,"intents":[{"intent":"Clarify retirement goals","confidence_score":0.026807837}]},{"text":"And have you had any changes to the employment side? Because I think you're still with next stage civil. Yeah.","start_word":1333,"end_word":1352,"intents":[{"intent":"Evaluate employer progress","confidence_score":0.000038728704}]},{"text":"One thing I just wanna quickly clarify with you because it it just looks strange for me to see on a spreadsheet is your main home, we had you with a a a debt on your main home of about 620,000, but we had the value Yeah.","start_word":1943,"end_word":1989,"intents":[{"intent":"Clarify debt","confidence_score":0.16033278}]},{"text":"We did confirm that you did have an up to date will last year, and you had your power of attorney listed as your wife. That's all still current? Yeah.","start_word":2140,"end_word":2169,"intents":[{"intent":"Update document","confidence_score":0.1668096}]},{"text":"I'm going to just quickly check your beneficiary. You had your beneficiary for your super split between Amanda, Dylan, and Aiden, fifty twenty five twenty five. Are you still okay with that? Yes.","start_word":2171,"end_word":2203,"intents":[{"intent":"Check beneficiary status","confidence_score":0.015085355},{"intent":"Confirm super split","confidence_score":0.2867233}]},{"text":"If you actually sign the document, they make it like, they force the super fund to do it in all cases. Do you want me to update Yeah. that?","start_word":2281,"end_word":2309,"intents":[{"intent":"Update super fund","confidence_score":0.12795687}]},{"text":"I I I want the super funds to force to pay it in all cases. Yeah.","start_word":2310,"end_word":2325,"intents":[{"intent":"Divide super funds","confidence_score":0.019853752}]},{"text":"And the last question I've got on that is do you want me to set it to expire every three years so that you have to review it or just let it be continuous and non lapsing? Not continuous Yeah.","start_word":2397,"end_word":2436,"intents":[{"intent":"Set expiration time","confidence_score":0.14751491},{"intent":"Review policy","confidence_score":0.041123323}]},{"text":"When we send that out, if you got any questions, there'll be a cover letter with instructions. Just call the team, and they can walk you through it in about two minutes flat. Okay.","start_word":2504,"end_word":2537,"intents":[{"intent":"Call team","confidence_score":0.16163787}]},{"text":"When it comes to the insurance side of things, I was just gonna go through your MetLife policy and the documents I've sent and pretty much let you go. Is that okay? Yeah.","start_word":2541,"end_word":2573,"intents":[{"intent":"Resolve insurance issue","confidence_score":0.0006590312}]},{"text":"It's looking pretty straightforward. I'll keep an eye on this investment. We'll keep an eye on the anniversary for your MetLife policy.","start_word":2912,"end_word":2933,"intents":[{"intent":"Evaluate policy investment","confidence_score":0.00016335394}]},{"text":"Is there any other areas of advice that you wanted to explore? Any investing or anything like that?","start_word":2946,"end_word":2963,"intents":[{"intent":"Explore investing","confidence_score":0.107935525}]},{"text":"And do you use the income protection? Yeah.","start_word":2963,"end_word":2970,"intents":[{"intent":"Use income protection","confidence_score":0.8983627},{"intent":"Obtain income protection","confidence_score":0.0056520053}]},{"text":"Just letting you know that that package through to your email now with next stage civil outlook dot com. It's got all the attachments there. There'll be a link there for the service agreement. Now I did wanna double check.","start_word":3134,"end_word":3173,"intents":[{"intent":"Provide service agreement link","confidence_score":0.060962588}]},{"text":"Are you still comfortable to remain a client with Ophiu? Yes. Cool.","start_word":3174,"end_word":3185,"intents":[{"intent":"Confirm client status","confidence_score":0.4122882},{"intent":"Confirm client status","confidence_score":0.36813435}]},{"text":"Once you get to 600,000, we do cap it. Okay? Mhmm.","start_word":3199,"end_word":3209,"intents":[{"intent":"Cap service agreement","confidence_score":0.002300864}]},{"text":"I'm just gonna double check your service dates on hub twenty four and then let you go. So just bear in mind that the service agreement expires on the August 1, So we do have that refresh one there for you.","start_word":3210,"end_word":3250,"intents":[{"intent":"Update service dates","confidence_score":0.00364748}]}]},"sentiments":{"segments":[{"text":"Hello? Good morning, Hello? Daniel. It's Tommy here from Oakview Financial, one of the senior advisers. Mate, how are you doing today? Good. How are you?","start_word":0,"end_word":25,"sentiment":"neutral","sentiment_score":0.1600106805562973},{"text":"I'm doing fantastic. It's a beautiful day today.","start_word":26,"end_word":33,"sentiment":"positive","sentiment_score":0.7614043354988098},{"text":"I'm just giving you a call to go through your annual review, sir. Yeah. Okay. Yeah. No worries. Yep.","start_word":34,"end_word":52,"sentiment":"neutral","sentiment_score":0.19690878689289093},{"text":"Perfect.","start_word":53,"end_word":53,"sentiment":"positive","sentiment_score":0.391666054725647},{"text":"Perfect. So Yeah. I was just concerned about what's going on with the wall and things like that, really, more than anything. That's why. Perfect. So what I'll do, mate, Yeah. if it's okay with you, is I'll go through a quick security check. I've got an annual review pack ready to send to your email address, and then I'll walk you through how the super is going, update a few details, and we should be good to go. Is that okay? Yeah. No worries. Yep. Perfect, mate. Is it okay for the call to be recorded? Yeah. No worries, man. Yeah. Cool. And we do have a password on file for you for the security of your information. Do you remember what that password was? Tell it to the tool then.","start_word":54,"end_word":185,"sentiment":"neutral","sentiment_score":0.11849887669086456},{"text":"Perfect. Aced it. Fantastic. Thank you for that, Daniel.","start_word":186,"end_word":194,"sentiment":"positive","sentiment_score":0.47537416219711304},{"text":"Now I'm gonna pop this pack off to your Outlook email, next stage civil. Is that still okay? Yeah. Yep. Of course. Will you be able to look onto that email with me, or do you want me to kind of just walk you through what's there? What do you mean? Sorry. So I'm sending you through an annual review pack with a few attachments there. Will you be able to look at those attachments with me today, or should I just kind of talk you through them? Oh, no. Just talk me through, mate. That's alright. Easy done. Easy done. So just to let you know what I have sent, that pack includes your insurance information, super performance, an updated financial services guide with us, so updated licensing Yep. information. There Okay. is a service agreement as well if you're still comfortable to remain a client after the review, and a few other kind of little graphic packs for you if you're curious as well. Now when it Mhmm. comes to the current situation, before I go through your details, let's just jump into the super for a bit. Oh, Do you usually log in to your Hub twenty four account to keep an eye on it, or is it more just what you've heard on the news? I'm more just sorta hit on the news, mate. I don't really yeah. I don't really keep an eye on it. That's alright. That's what you pay us for. I have done a bit of a deep dive on your super, basically, since you've been a client and also the last twelve months. Now what I can basically tell you is that what's happened in Iran over there, that's kind of impacted, obviously, interest rates, cost of living, stock market's gone up and down quite a bit, and most people's super Uh-huh. has kind of gone down. So I'll give you a quick example of your balance for the last three months. Now twelve months ago, you were sitting at 85,000. You're now sitting at a 103,000. So you're still up for the year. You did Uh-huh. have a little bit of a bounce down from when it was at a 102. It went down to 96 and then back up to $1.00 3. So it was only for about a month or so that it was going down, and it has kind of recovered since then. Yeah. Okay. So I guess when I hear that, you know, the target that I guess I discussed when I signed up with you guys, are we on track for those long term targets still, or is that sort of not relevant really?","start_word":195,"end_word":643,"sentiment":"neutral","sentiment_score":0.011373219903732726},{"text":"Brilliant question.","start_word":644,"end_word":645,"sentiment":"positive","sentiment_score":0.3712178170681},{"text":"So when it comes to averages, it does obviously fluctuate with the market. Sometimes you have bad years. Sometimes you have good years.","start_word":646,"end_word":668,"sentiment":"neutral","sentiment_score":-0.06976545602083206},{"text":"You're still aiming for that kind of double digits.","start_word":669,"end_word":677,"sentiment":"positive","sentiment_score":0.36392611265182495},{"text":"Right?","start_word":678,"end_word":678,"sentiment":"neutral","sentiment_score":0.21275711059570312},{"text":"So in terms of a percentage return, as long as we're getting, like, above 10%, you're pretty well on track.","start_word":679,"end_word":698,"sentiment":"positive","sentiment_score":0.4483376443386078},{"text":"Does that make sense? Yeah. Now your twelve month return after fees, 17 and a half percent.","start_word":699,"end_word":715,"sentiment":"neutral","sentiment_score":0.2426244020462036},{"text":"So you've still completely gone above target for the last twelve Oh, months.","start_word":716,"end_word":728,"sentiment":"positive","sentiment_score":0.3635282516479492},{"text":"okay. Alright.","start_word":729,"end_word":730,"sentiment":"neutral","sentiment_score":0.31059470772743225},{"text":"Okay. So you've actually got one of the strongest returns that I've seen this year even though you're in quite a high growth portfolio. Like, most everything that you have is in growth assets, shares, property, gold to try and get you those high long term returns.","start_word":731,"end_word":777,"sentiment":"positive","sentiment_score":0.5013973116874695},{"text":"Does that ring a bell?","start_word":778,"end_word":782,"sentiment":"neutral","sentiment_score":0.2577441930770874},{"text":"Yes. Perfect.","start_word":783,"end_word":784,"sentiment":"positive","sentiment_score":0.4798675775527954},{"text":"I'm gonna just grab open your portfolio here as well and check a couple of details. Now when it comes to your portfolio, we've got you in eight different options, and that's kind of split between, like, your gold, your shares, your property, all these different assets.","start_word":785,"end_word":831,"sentiment":"neutral","sentiment_score":0.19452950358390808},{"text":"Most all of them have had brilliant returns. Like, you've got some electronic vehicles in there.","start_word":832,"end_word":847,"sentiment":"positive","sentiment_score":0.4673829078674317},{"text":"The old battery Mhmm. tech in lithium, that has gone up a 113%. Gold's up 30. Shares are up twenty, twenty, 17. You did have one of the options that have gone down about 10%. So I'm kind of keeping an eye on that one because seven out of eight have aced it. One of them is kind of chugging along a little bit slower. Okay. Yeah. Now because you're in high growth, like I was saying before, 90% in, I guess, shares, property, growth assets. The whole idea there is you get your high returns, boost up your super. At some point, we do have to protect that because you don't wanna be 64 and lose half your super year before you go to retire. Does that make sense? Yeah. So what I wanted to kind of ask you is based on that last review, you were still trying to retire as early as possible. We had you set down to a retirement age of 60 rather than waiting all the way to age pension age at 67 or 70. Is that still your main focus? Yes. And yeah. Like, it'd be good to What are my other options, I guess? Well, Like, do you wanna that's go kind more of aggressive how I now? no. I wouldn't go more aggressive. What I'm sort of trying to gauge is are you still okay to stay high growth until Yeah. you get Yeah. closer to retirement? And then once you've built up the million dollars, then we can slowly get it safer and safer in those last five to ten years. Does that does that Yeah. make sense? That's that's really what I had in my head. Yeah. Yep. Yeah. Alright. We're on the same page there. And because you've got pretty much twenty years until preservation age to access your super, normally, high growth, you wanna be in it for at least ten. That's kind of the Yeah. recommended Okay. time frame. The last Right. ten years so let's say we grow up really hard for ten years. In the last ten, we'll slowly pull you back down. So instead of 90% shares of property, over that decade, it will go eighty, seventy, sixty, forty. And there at age 60, you get a nice, safe pension account to live off. Mhmm. And I think we had you wanting Okay. about 2,500 a week tax free in retirement. Yeah. Yep. Okay. Alright. So we're aligned there. When it comes to your I'm just updating a few details because we have switched to a new system. I just wanna make sure everything's correct. Goals wise, you'd been self employed for quite a while in that 2025 review with Dana, and you were just trying to kind of build the business, pay down the mortgage. Does that still sound correct? Yeah. That does. Yeah. Yeah. Okay. And have you had any changes to the employment side? Because I think you're still with next stage civil. Yeah. That's my company. Still there. Yep. Still running that for for quite a while. I think we had income wise, you were pretty much just paying yourself, like, maybe a thousand bucks a week to live off, and the rest of it was being reinvested. Does that sound right? Yeah. That's maybe that might have changed slightly now, but that's that's where we're at. Yeah. Okay. Okay. I'm just having a look there. We've still got contributions coming in, and you're pretty much putting in what seems to be about it looks around 400 a month or 400 a fortnight from what I can see coming in. Yeah. Yep. Just have a look at the frequency there. Because, yeah, we've got a December one that came in. We've got February, March, April. Yeah. About 400 a month going in. So what that kind of works out for me is you've got about 4,800 going in concessional into your super. So that's where I'm gonna base all of the, like, projections and things on. Are you looking to increase that? Are you okay to continue that based on how you've got your your company structured? I'll probably I'll probably keep it there for now. Yep. And give me you know, I'll just see how I go in another year, potentially. Yep.","start_word":848,"end_word":1571,"sentiment":"neutral","sentiment_score":0.09100033404583432},{"text":"Now ramping it up towards the later forties is okay. We'll pretty much let the high growth portfolio do most of the heavy lifting for you. Contributions will still go in. That's great.","start_word":1572,"end_word":1604,"sentiment":"positive","sentiment_score":0.44067636132240295},{"text":"But we'll look to kind of ramp that up. But is there anything else that's a real priority for you at the moment when it comes to you what you wanna do with your cash flow? No. No. No. I just thought because it's I don't see that. Because I haven't really grown it, I'm like, well, I need to grow.","start_word":1605,"end_word":1665,"sentiment":"neutral","sentiment_score":0.011462742187937752},{"text":"So the high growth thing is where I want it to be.","start_word":1666,"end_word":1677,"sentiment":"positive","sentiment_score":0.42319223284721375},{"text":"And, Yep. yeah. Alright. Now I think as you're catching up, you're definitely catching up because I think the average super for your age is maybe around one twenty, and you're sitting at one zero three now.","start_word":1678,"end_word":1714,"sentiment":"neutral","sentiment_score":0.2948486804962158},{"text":"So you've definitely caught up the last couple of years quite quickly. So like I Yeah. said, those investments over a ten year period will get you a really good return.","start_word":1715,"end_word":1745,"sentiment":"positive","sentiment_score":0.5774275064468384},{"text":"It's just gonna be a roller coaster in between because anytime the news pops up with something, it's gonna go up and down, up and down. It's supposed to average out over that decade. Yeah. Okay. Yep.","start_word":1746,"end_word":1782,"sentiment":"neutral","sentiment_score":-0.08406052738428116},{"text":"So all all that really means, Daniel, is that in the good years, you get ten, twenty, 30, even 40% returns in the best years.","start_word":1783,"end_word":1807,"sentiment":"positive","sentiment_score":0.34009355306625366},{"text":"And then once Yep. or twice in that decade, it's gonna drop 10 to 20%. And if you average out at 10 to 12, you're on track. K? Outside of that, going through a couple of things here, just quickly checking in on on family side of things. You're still married with the two children, dependent? Yes. Yep. Okay. Gannett Road, still correct for the address. Yeah. It is. Yeah. Yep. K. Postal or previous address, we had Raymond Street. We've got Amanda as your next of kin slash emergency contact. Alright. Assets and liabilities just quickly as well. You had the earthmoving business, of course. We we kind of valued it tentatively at about 517,000 as well as truck, trailer, motorbike, and your home. Yeah. It's at least that. K. Yeah.","start_word":1808,"end_word":1939,"sentiment":"neutral","sentiment_score":0.07413740456104279},{"text":"Perfect.","start_word":1940,"end_word":1940,"sentiment":"positive","sentiment_score":0.5853281617164612},{"text":"Yeah. One thing I just wanna quickly clarify with you because it it just looks strange for me to see on a spreadsheet is your main home, we had you with a a a debt on your main home of about 620,000, but we had the value Yeah. of about 18 and a half mil. Is there, like, a very large property, lots No. of No. No. Land One there? 0.824. 1.85. So, also, there was an extra zero in Yeah. there. Yeah. So I wanted to just double check. So 1.85 makes sense. Yeah. Yeah. Yeah. Yeah. Yeah. All Alright. good. Since we got a couple of people there, those really big farmlands where they're like, yeah, they're gonna build electricity on there, and it could be sold to a company for 20 mils. So I just wanted to double check with you. Yeah. Yeah. Alright. Still got the old Land Cruisers. Yeah. Yep. Alright.","start_word":1941,"end_word":2096,"sentiment":"neutral","sentiment_score":0.00613883074420767},{"text":"You seem to have quite a lot in vehicles, which is brilliant.","start_word":2097,"end_word":2108,"sentiment":"positive","sentiment_score":0.5736941695213318},{"text":"Yeah. Anything I do. anything else in addition to that? No sort of shares, crypto, personal loans, anything No. we No. My don't already no. have? No. Okay. Got that there. We did confirm that you did have an up to date will last year, and you had your power of attorney listed as your wife. That's all still current? Yeah.","start_word":2109,"end_word":2169,"sentiment":"neutral","sentiment_score":0.022400489076972008},{"text":"Awesome.","start_word":2170,"end_word":2170,"sentiment":"positive","sentiment_score":0.33677685260772705},{"text":"I'm going to just quickly check your beneficiary. You had your beneficiary for your super split between Amanda, Dylan, and Aiden, fifty twenty five twenty five. Are you still okay with that? Yes. Yep. I did just wanna double check with you because it is listed as nonbinding. So it's not technically legally binding until you get a witness on paper with a wet signature. Did you want me to get that updated so it's more, like, legally binding so the super fund has to do it, or are you still okay for it to be that that nonbinding? Because nonbinding is like an automatic one you do online. If you actually sign the document, they make it like, they force the super fund to do it in all cases. Do you want me to update Yeah. that? No. I I I want the super funds to force to pay it in all cases. Yeah. Yep. Sure. And with that split, obviously, if the children are dependents, whoever receives that that money in their name and is their guardian will kind of look after it. Do you want it still split between the three? Do you want it all going to Amanda? Do you have a preference? Look. It can all go to Amanda because then the boys will be next to Kin anyway. Yeah.","start_word":2171,"end_word":2395,"sentiment":"neutral","sentiment_score":0.032703463327553535},{"text":"Perfect.","start_word":2396,"end_word":2396,"sentiment":"positive","sentiment_score":0.6084669828414917},{"text":"And the last question I've got on that is do you want me to set it to expire every three years so that you have to review it or just let it be continuous and non lapsing? Not continuous Yeah. unless That I makes change sense. it. Yeah. Yep. Unless Yeah. you change it. Yeah. It just it's one of those things that if something significant happens, just we'll always prompt you to to update it if you need to. But I'll pretty much get them to put in a nonlapsing binding for you, and we can switch it over and get that up to date. Okay. When we send that out, if you got any questions, there'll be a cover letter with instructions. Just call the team, and they can walk you through it in about two minutes flat. Okay. No worries.","start_word":2397,"end_word":2539,"sentiment":"neutral","sentiment_score":0.0741327777504921},{"text":"Cool.","start_word":2540,"end_word":2540,"sentiment":"positive","sentiment_score":0.357654869556427},{"text":"When it comes to the insurance side of things, I was just gonna go through your MetLife policy and the documents I've sent and pretty much let you go. Is that okay? Yeah. No worries. Yep.","start_word":2541,"end_word":2576,"sentiment":"neutral","sentiment_score":0.2071145623922348},{"text":"Cool. You've got the MetLife there. It's got an anniversary in December. So it's not too bad in the price, actually. You're only paying about $1.05 $6.07. And then off of that, you get a 15% tax rebate.","start_word":2577,"end_word":2614,"sentiment":"positive","sentiment_score":0.4386923015117645},{"text":"So that's for your million dollars and 50,000 of life insurance, disability insurance, and you've even got income protection on top of that. So Okay. Amanda's listed as beneficiary for your life insurance.","start_word":2615,"end_word":2647,"sentiment":"neutral","sentiment_score":0.21389439702033997},{"text":"Perfect.","start_word":2648,"end_word":2648,"sentiment":"positive","sentiment_score":0.6372709274291992},{"text":"Your income protection, just because that changes every year, let me just do a quick calculation because it bases it on 70%. Yeah. It's protecting an income of about 53 and a half thousand. That's what it's kind of based on on paper. Okay. So ninety day waiting period, if you're out of work for three months, it kicks in, pays you 3,000 just over 3,000 a month for up to five years. And with that million dollars of life insurance and total disability, that's gonna make a pretty big dent in loans and liabilities and things like that. Are you still comfortable with that amount? Sorry. What what amount was that? So it's a million and 50,000 if you were to pass away or can never work again. Mhmm. Yeah. Okay. Yeah. Now one of the things that we do, Yep. I keep an eye on this every year because once you hit the forties, it can start to creep up quite quickly in the price. It's only 1,500 now, but by the time you hit 50, it might be $6,000, $3,000, that kind of thing. So as you pay down debt, we tend to trim it down to keep on top of it. So it's not looking too bad now, but it might be something that we review in twelve months' time. Okay. K. Alright. Are you comfortable with how it is so far? Okeydoke. Everything's looking pretty up to date there. No major changes. Anything else you're focusing on for the next few years? Mhmm. No. That's all, mate.","start_word":2649,"end_word":2910,"sentiment":"neutral","sentiment_score":-0.0033176925498992205},{"text":"Perfect. It's looking pretty straightforward.","start_word":2911,"end_word":2915,"sentiment":"positive","sentiment_score":0.4904269576072693},{"text":"I'll keep an eye on this investment. We'll keep an eye on the anniversary for your MetLife policy. If there's Thanks. anything crazy, we'll get in touch with you. Is there any other areas of advice that you wanted to explore? Any investing or anything like that? And do you use the income protection? Yeah. You've got a bit of a small policy there with MetLife that covers your you've got one there, the income protection that covers, like, your paper income. So if you're paying out of your business that thousand bucks a week or give or take, that's currently insured. Okay. K. So sorry. Is What there was anything that you figure need again? above that? So Sorry. it apologies. What was that It's figure again? 53,000 worth of incomes being protected. Yeah. Oh, yeah. Okay. Alright. So whatever's on paper there, like, let's say you're paying yourself a thousand bucks a week wages, you give them your tax return. If you can't work for a few months, they'll kick in 70% of that. Mhmm. Okay. K. Does that need to be No changed, worries. or is that alright? No. That's alright. No. Thank you.","start_word":2916,"end_word":3112,"sentiment":"neutral","sentiment_score":0.05693980484141916},{"text":"Amazing.","start_word":3113,"end_word":3113,"sentiment":"positive","sentiment_score":0.4382226169109345},{"text":"Alright. Any other questions for me so far, Daniel, before I let you go? No. That's alright.","start_word":3114,"end_word":3130,"sentiment":"neutral","sentiment_score":0.11831299215555192},{"text":"Thank you. Cool.","start_word":3131,"end_word":3133,"sentiment":"positive","sentiment_score":0.437235563993454},{"text":"Just letting you know that that package through to your email now with next stage civil outlook dot com. It's got all the attachments there. There'll be a link there for the service agreement. Now I did wanna double check. Are you still comfortable to remain a client with Ophiu? Yes. Cool. So the fee should still be 1.65%, paid monthly throughout for the super. Once you get to 600,000, we do cap it. Okay? Mhmm. I'm just gonna double check your service dates on hub twenty four and then let you go. So just bear in mind that the service agreement expires on the August 1, So we do have that refresh one there for you. And would you like me to leave it as yearly reviews, or would you like me to switch it to, like, quarterly contact, six monthly contact? Order is fine. Yep. Quarterly. I'll make sure that's flagged on your account, and we'll probably give you a buzz. I've got I'll be on paternity leave in June, so I'll probably pencil in the call year around July, August.","start_word":3134,"end_word":3316,"sentiment":"neutral","sentiment_score":0.131586455175134},{"text":"Thank you so much for that, Daniel. Anything else before I let you go, sir?","start_word":3317,"end_word":3331,"sentiment":"positive","sentiment_score":0.5666389465332031},{"text":"No worries. No. That's all.","start_word":3332,"end_word":3336,"sentiment":"neutral","sentiment_score":0.1699080467224121},{"text":"Alright. You have a fantastic day, and thank you for your time. Okay. Thank you. Thank you. Bye.","start_word":3337,"end_word":3354,"sentiment":"positive","sentiment_score":0.6791713237762451}],"average":{"sentiment":"neutral","sentiment_score":0.10761983461926591}}}}