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I've actually had that pop up about seven times this week, and it's the strangest feature because then after I give the message, it calls through to somebody. And half the time I get them, half the time it's a voice mail. So thank you for picking up. Appreciate that. I was giving you a call today to go through your annual review. Kyle has gone home sick. So as the senior adviser, I wanted to just take the chance to jump on with you if you still had a bit of time. Perfect. Thank you so much for that. Before I jump into any details, are you okay for the call to be recorded? Perfect. And usual security process, I'm registered with Asik as adviser one 273105. Are you okay to confirm your date of birth and address, please? Thank you so much for that, Danielle. Really appreciate it. Now I've got a bit of an annual review pack to send through to you. Purpose of today's call, see how the soup is going and if we need to make any changes and just see if there's been any significant changes in your circumstances as well. Just wanted to start off and ask you, is there anything in particular you would like to get out of this year's review? Yes. Absolutely. I'm assuming it's a little bit out of date because looking at contributions, I did a bit of a calculation, and I believe you'd be on a little over a 100,000 now. Is that right? Amazing. Congratulations. Yep. No. That's perfectly fine. I think last time we had it at 90, and I was looking at the contributions and going, no. That's that's 6 figures. I can see that. Absolutely. So I'll factor that into, you know, projections and whatnot and see how that's looking. Are you still are you still a safety officer? Okay. Yeah. Yeah. Absolutely. Still office space, of course. Okay. So a couple of quick questions for you then. I'm just gonna pull up your certificate of currency for your insurance policy. While I'm doing that, do you manage staff by any chance? Cool. Okay. So six. Perfect. Would you have any linking qualifications, degrees, anything like that that you've done to get this level of income? Yep. And diploma. Okay. Yeah. The reason why I ask is because once you get above a 120,000, depending on qualifications and how managerial your duties are, you could potentially qualify for a better occupation rating with the insurer, which may make things a little bit more affordable. You're kind of on the cusp, but I'm gonna ask the question of them and see if I can get that updated potentially as well. K. For the policy, let me just bring that up. And it's what's the employer name, if you don't mind me asking? Construction. Thank you very much for that. We've just kinda switched over to a new CRM, so I'm just making sure everything's up to date that we have. That'll be full time. Are you still putting away around about 250 in savings per week, or has that gone up as well? Yeah. No. Totally fine. So saving towards a wedding. I was looking through the goals previously as well. You were paying off the car loan. I'm assuming you went on that holiday to Bali last year. Okay. Perfect. Saving for a wedding. If you don't mind me asking, have you guys got much put into either offset account, or is it just general savings account? Yeah. I'm assuming too that the the property probably would have jumped up quite a bit in value as well. Not sure if you've been keeping an eye on it. Yeah. Wow. That's insane. Perfect. So you'd have quite a bit of equity there. Have you guys gotten the loan under 400,000 now? Or No worries. Just while you're doing that, I'm just having a look at your income protection as well just to get a look at the figures. No worries. It's always the way. We always struggle with two factor authentication and password keepers and all kinds of things on the IT front. Yeah. No. That's fine. Are they making you go into the emails and verifying all that fun stuff? Yeah. Success? Fantastic. That's okay. No worries at all. Okay. 73. Fantastic. Moving well done. And $3.16. That's amazing. Alright. 900 value, $3.16 owing, 73 in the offset. Fantastic. Do you have much of a savings goal beyond the 73 for saving for the wedding and everything? You're just kind of putting as much as you can in? Yeah. Perfect. So would you say that, like, have you gone kind of spoken about how much the renovations might cost after the wedding, or is that kind of stuff in the air? Yep. Fantastic. So at the moment, it kinda sounds like maybe, like, a one to three year goal to sort out the wedding and the renovations and then look to upgrade after that. Yep. K. One to three and five beyond. Anything else you guys are working on at the moment? Perfect. Perfect. I'm not looking to use the equity for anything other than bit of an upgrade. K. See, after the priorities are done first. Yep. Now I'm with you. If you guys ever need any help with the investment property side, please feel free to call through to us. More than happy to walk you through some ideas and options. Perfect. I've just had a look at your income protection, and it's quite low compared to your income. So 4,336 a month worth of cover. So think of it as just over a thousand bucks a week you would get if you're off work for more than a month. If you work that back because the maximum is 70%, it's protecting an income of 75,000. So five year benefit period sorry. Five year benefit, thirty day waiting period, that's pretty good. You can usually extend that up to the age of 65, but you do have about 1,100,000.0 worth of life insurance and total disability for the long term side of things. So what I wanted to ask you was, do you want me to kind of get a bit of an alteration with Clearview to see how much it would be to bump up the income protection? Yep. K. Now you have had Clearview for a few years. It's really affordable. It's 1,500 before the tax rebate out of the server. Do you want me to shop around and see if there's a more affordable provider? I'll do an alteration quote with them as well, but do you want me to check both? Yeah. Perfect. So what I usually do in those circumstances is we get an alteration quote from them. Usually takes about a week. We will do a software quote for all insurers just to see if based on your occupation, anyone's offering anything better. But I'll make sure that under the hood, the policy feature score is the same or higher so you don't have any sort of worse policy. Perfect. What about with the life and disability cover? 1,160,000.00 there. That's obviously covering the debt and then quite a bit over the top. Your original goal was to cover the debts with a $100,000 buffer, so you've obviously trimmed down the debt quite a bit. Do you feel like kind of dropping that down a little bit, or if it's affordable, just keep it as is? Yep. We'll keep an eye on it yearly because it's not too detrimental 3 thirties. Once you hit forties, though, it can jump up to $3.04, 5,000 pretty quickly. And if you've got that mortgage paid off, we can look at trimming it down. If you do upgrade homes, maybe it's nice to have that buffer there for the future debts as well. Perfect. So I'll leave that there and just do the alteration increase for income protection. I do have to ask the question around trauma insurance, that fourth one. Do you recall what that does? So that's one that you don't have, but you can only have it out of pocket. You can't have it through your super. It's essentially like a a medical lump sum for heart attack, stroke, and cancer. So life insurance is if you pass away, TPD is if you can never work again, income protections for the temporary illness and injury, trauma is like, oh, I've had a heart attack. I go back to work the next week, But do I wanna lump sum to go to private hospital, have my partner take some time off to look after me if I get diagnosed with cancer, that type of thing? So what I'll do, I can usually do, like, a baseline quote for a 100,000 is usually a good starting point. And then I'll see what that comes out like on a maybe, like, a monthly premium rather than an annual. So that way, it's kinda spread out for you. Is there a bit of a limit you want me to put for affordability, like 20 a month, 30 a month, 40 a month? What would be your maximum? Yeah. I'm with you a 100%. So what I'll do, yeah, we'll see what it costs. What I'll do is I'll just do the baseline quote. I'll send you through when I do the the updated advice for the income protection, I'll include there, like, a table of what it actually pays out on and then how much the price is, and you can kind of work out if you feel it's valuable. Perfect. Just before I jump on to the super and finish things off, I just want to check if you guys ended up getting, like, the will and power of attorney put in place. K. So at the moment, beneficiaries in line with your partner, you're still okay for that? For the super and the life insurance, that's okay. And, again, you said you just recently fixed that up with Clearview, so thank you for that. With the kind of insolvency side of things, this is just a new question for us. Have you guys ever gone through, like, a bankruptcy before or a part nine debt agreement? Perfect. Sorry. It's just an extra little check there because it does affect home loans and credit applications and so on. Perfect. Now when it comes to the superannuation, have you do you usually log into it? I know you've been a client for a few years now. Do you check it every now and then? Or Yeah. Cool. So he's kind of the the the financial he's got a lot of the financial interest there, and he kind of dives into it a bit more in-depth. Yep. One question I do wanna ask you though is just from your own perspective, do you know on, like, a scale of five what risk level you might be? Yep. Yep. Perfect. And, look, I know retirement's, like, thirty years away. We did have that goal there for you guys to try and retire a little bit earlier towards the age of 60 when you can access your super rather than, like, 67 with the age pension. Is that still sounds about right for you too? Yep. Perfect. The reason why I asked that question is because when I looked at your portfolio before this call, I did notice it was quite aggressive to the point where it's pretty much all in growth assets. So it's pretty much all in shares, property, gold, and so on. Quite aggressive. It had quite a lot of growth last year, jumped from, I think, 83,000 to 102,000. Lo and behold, after a 30% increase, the markets have been tumbling down since Christmas, and it's sitting at a 104,000 at the moment. So this is kind of that roller coaster that we talk about when we talk about going into a high growth risk category. Yeah. I guess the way I would explain it too is we always talk about, like, market cycles, and it's on average, like, every seven years that the stock markets grow for five or six years, and then there's some sort of event. There's a global financial crisis, a COVID, a war somewhere, and the markets take a bit of a tumble, and that tends to repeat every seven years or so. So the main plan, I guess, for you guys is your contributions go in. You get to continuously buy up all these assets and repeat those cycles. So when it goes down, you get to buy a few more properties for a cheaper price. You probably don't wanna still be aggressive at the age of 59, though, because you probably don't wanna lose half your super a year before you go to live on it with the stock market crash. Does that make sense? Yep. So one thing that we do keep an eye on is even though you're in high risk, that doesn't mean that we're being sort of, how do you say, excessive with the risk level, anything too crazy. Most of the options have been doing really well. So overall, most of your options have been having some pretty good growth. You've got about eight or nine options in there. Even your I don't know if your partner talks about gold and silver and that kind of thing. Does he mention that much? Yeah. It's something that holds its value long very, very long term over hundreds of years, but sometimes you have these scenarios where the world goes crazy. And towards the end of last year, gold and silver went up, like, 500%. Everyone's super got a nice little bonus out of that because we had you in a little bit of that, and then it's kind of dropping down after Christmas as well. So everything's looking pretty good. There is one option that kind of concerns me a little bit, and it's essentially a a Benelon option that has your Australian shares. So think of it as, like, your Commonwealth Bank, Rio Tinto, all the companies that you own in Australia as kind of underperforming a little bit. So so one thing that I might do is if you're comfortable with that long term view, the long term risk level is I might just find a better alternative to switch them out like for like. Cool. Everything else will pretty much remain the same. I'll look to update that one option. We've already sent you through. Did you get an email from us about an ROA record of advice for a bit of a change that we made? It'll be just before the Clearview one. I'm actually just gonna quickly scroll back. You would have received it, I think, on the March 13. I can imagine. That's fair. No worries. And the subject heading should be Netwealth portfolio update record of advice. No. That's okay. What that's basically saying is that we had flagged this one option around Christmas time. And, normally, whenever we change your investments, we go through, like, a statement of advice. I give you a a new document, and we walk through and talk about, we think we should change to this. Are you comfortable with the reasons we've given? And then we can go ahead and do that. In this case, because of everything that was going on in the world, we've actually just kind of done a blanket rule across all clients to make that change straight away before it goes too crazy. Cool. So the portfolio is pretty well updated. You should see the performance change pretty well throughout the year. So once the market starts going up, you and your partner should see that reflected in your balance as well. Perfect. So at this point, I'm pretty much gonna look at bumping up the income protection, get you a little bit of a trauma quote, and just remind you guys to get a will at some point as well. Is there anything else that you would like to talk about in this review? Yep. No. That's totally fine. What I'll do is I'll include the information in there. And at the bottom of the document when we walk through it, there'll be a signature box, and you can pretty much say, I would like to go ahead with both of them, one of them, whatever you prefer. Awesome. Anything else for me before I let you go, Danielle? Amazing. I will send you through an annual review pack tomorrow, and that'll just have, like, your updated service agreement, a financial services guide, all of your reports, and everything attached. So if you could have a look at that email tomorrow, that would be amazing. Awesome. Have a great night. Thank you so much for your time. 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Danielle. It's Tommy here from Oakview Financial. Just giving you a call. Oh, Danielle. Fantastic.\n\nHow are you doing? No worries at all. I've actually had that pop up about seven times this week, and it's the strangest feature because then after I give the message, it calls through to somebody. And half the time I get them, half the time it's a voice mail. So thank you for picking up.\n\nAppreciate that. I was giving you a call today to go through your annual review. Kyle has gone home sick. So as the senior adviser, I wanted to just take the chance to jump on with you if you still had a bit of time. Perfect.\n\nThank you so much for that. Before I jump into any details, are you okay for the call to be recorded? Perfect. And usual security process, I'm registered with Asik as adviser one 273105. Are you okay to confirm your date of birth and address, please?\n\nThank you so much for that, Danielle. Really appreciate it. Now I've got a bit of an annual review pack to send through to you. Purpose of today's call, see how the soup is going and if we need to make any changes and just see if there's been any significant changes in your circumstances as well. Just wanted to start off and ask you, is there anything in particular you would like to get out of this year's review?\n\nYes. Absolutely. I'm assuming it's a little bit out of date because looking at contributions, I did a bit of a calculation, and I believe you'd be on a little over a 100,000 now. Is that right? Amazing.\n\nCongratulations. Yep. No. That's perfectly fine. I think last time we had it at 90, and I was looking at the contributions and going, no.\n\nThat's that's 6 figures. I can see that. Absolutely. So I'll factor that into, you know, projections and whatnot and see how that's looking. Are you still are you still a safety officer?\n\nOkay. Yeah. Yeah. Absolutely. Still office space, of course.\n\nOkay. So a couple of quick questions for you then. I'm just gonna pull up your certificate of currency for your insurance policy. While I'm doing that, do you manage staff by any chance? Cool.\n\nOkay. So six. Perfect. Would you have any linking qualifications, degrees, anything like that that you've done to get this level of income? Yep.\n\nAnd diploma. Okay. Yeah. The reason why I ask is because once you get above a 120,000, depending on qualifications and how managerial your duties are, you could potentially qualify for a better occupation rating with the insurer, which may make things a little bit more affordable. You're kind of on the cusp, but I'm gonna ask the question of them and see if I can get that updated potentially as well.\n\nK. For the policy, let me just bring that up. And it's what's the employer name, if you don't mind me asking? Construction. Thank you very much for that.\n\nWe've just kinda switched over to a new CRM, so I'm just making sure everything's up to date that we have. That'll be full time. Are you still putting away around about 250 in savings per week, or has that gone up as well? Yeah. No.\n\nTotally fine. So saving towards a wedding. I was looking through the goals previously as well. You were paying off the car loan. I'm assuming you went on that holiday to Bali last year.\n\nOkay. Perfect. Saving for a wedding. If you don't mind me asking, have you guys got much put into either offset account, or is it just general savings account? Yeah.\n\nI'm assuming too that the the property probably would have jumped up quite a bit in value as well. Not sure if you've been keeping an eye on it. Yeah. Wow. That's insane.\n\nPerfect. So you'd have quite a bit of equity there. Have you guys gotten the loan under 400,000 now? Or No worries. Just while you're doing that, I'm just having a look at your income protection as well just to get a look at the figures.\n\nNo worries. It's always the way. We always struggle with two factor authentication and password keepers and all kinds of things on the IT front. Yeah. No.\n\nThat's fine. Are they making you go into the emails and verifying all that fun stuff? Yeah. Success? Fantastic.\n\nThat's okay. No worries at all. Okay. 73. Fantastic.\n\nMoving well done. And $3.16. That's amazing. Alright. 900 value, $3.16 owing, 73 in the offset.\n\nFantastic. Do you have much of a savings goal beyond the 73 for saving for the wedding and everything? You're just kind of putting as much as you can in? Yeah. Perfect.\n\nSo would you say that, like, have you gone kind of spoken about how much the renovations might cost after the wedding, or is that kind of stuff in the air? Yep. Fantastic. So at the moment, it kinda sounds like maybe, like, a one to three year goal to sort out the wedding and the renovations and then look to upgrade after that. Yep.\n\nK. One to three and five beyond. Anything else you guys are working on at the moment? Perfect. Perfect.\n\nI'm not looking to use the equity for anything other than bit of an upgrade. K. See, after the priorities are done first. Yep. Now I'm with you.\n\nIf you guys ever need any help with the investment property side, please feel free to call through to us. More than happy to walk you through some ideas and options. Perfect. I've just had a look at your income protection, and it's quite low compared to your income. So 4,336 a month worth of cover.\n\nSo think of it as just over a thousand bucks a week you would get if you're off work for more than a month. If you work that back because the maximum is 70%, it's protecting an income of 75,000. So five year benefit period sorry. Five year benefit, thirty day waiting period, that's pretty good. You can usually extend that up to the age of 65, but you do have about 1,100,000.0 worth of life insurance and total disability for the long term side of things.\n\nSo what I wanted to ask you was, do you want me to kind of get a bit of an alteration with Clearview to see how much it would be to bump up the income protection? Yep. K. Now you have had Clearview for a few years. It's really affordable.\n\nIt's 1,500 before the tax rebate out of the server. Do you want me to shop around and see if there's a more affordable provider? I'll do an alteration quote with them as well, but do you want me to check both? Yeah. Perfect.\n\nSo what I usually do in those circumstances is we get an alteration quote from them. Usually takes about a week. We will do a software quote for all insurers just to see if based on your occupation, anyone's offering anything better. But I'll make sure that under the hood, the policy feature score is the same or higher so you don't have any sort of worse policy. Perfect.\n\nWhat about with the life and disability cover? 1,160,000.00 there. That's obviously covering the debt and then quite a bit over the top. Your original goal was to cover the debts with a $100,000 buffer, so you've obviously trimmed down the debt quite a bit. Do you feel like kind of dropping that down a little bit, or if it's affordable, just keep it as is?\n\nYep. We'll keep an eye on it yearly because it's not too detrimental 3 thirties. Once you hit forties, though, it can jump up to $3.04, 5,000 pretty quickly. And if you've got that mortgage paid off, we can look at trimming it down. If you do upgrade homes, maybe it's nice to have that buffer there for the future debts as well.\n\nPerfect. So I'll leave that there and just do the alteration increase for income protection. I do have to ask the question around trauma insurance, that fourth one. Do you recall what that does? So that's one that you don't have, but you can only have it out of pocket.\n\nYou can't have it through your super. It's essentially like a a medical lump sum for heart attack, stroke, and cancer. So life insurance is if you pass away, TPD is if you can never work again, income protections for the temporary illness and injury, trauma is like, oh, I've had a heart attack. I go back to work the next week, But do I wanna lump sum to go to private hospital, have my partner take some time off to look after me if I get diagnosed with cancer, that type of thing? So what I'll do, I can usually do, like, a baseline quote for a 100,000 is usually a good starting point.\n\nAnd then I'll see what that comes out like on a maybe, like, a monthly premium rather than an annual. So that way, it's kinda spread out for you. Is there a bit of a limit you want me to put for affordability, like 20 a month, 30 a month, 40 a month? What would be your maximum? Yeah.\n\nI'm with you a 100%. So what I'll do, yeah, we'll see what it costs. What I'll do is I'll just do the baseline quote. I'll send you through when I do the the updated advice for the income protection, I'll include there, like, a table of what it actually pays out on and then how much the price is, and you can kind of work out if you feel it's valuable. Perfect.\n\nJust before I jump on to the super and finish things off, I just want to check if you guys ended up getting, like, the will and power of attorney put in place. K. So at the moment, beneficiaries in line with your partner, you're still okay for that? For the super and the life insurance, that's okay. And, again, you said you just recently fixed that up with Clearview, so thank you for that.\n\nWith the kind of insolvency side of things, this is just a new question for us. Have you guys ever gone through, like, a bankruptcy before or a part nine debt agreement? Perfect. Sorry. It's just an extra little check there because it does affect home loans and credit applications and so on.\n\nPerfect. Now when it comes to the superannuation, have you do you usually log into it? I know you've been a client for a few years now. Do you check it every now and then? Or Yeah.\n\nCool. So he's kind of the the the financial he's got a lot of the financial interest there, and he kind of dives into it a bit more in-depth. Yep. One question I do wanna ask you though is just from your own perspective, do you know on, like, a scale of five what risk level you might be? Yep.\n\nYep. Perfect. And, look, I know retirement's, like, thirty years away. We did have that goal there for you guys to try and retire a little bit earlier towards the age of 60 when you can access your super rather than, like, 67 with the age pension. Is that still sounds about right for you too?\n\nYep. Perfect. The reason why I asked that question is because when I looked at your portfolio before this call, I did notice it was quite aggressive to the point where it's pretty much all in growth assets. So it's pretty much all in shares, property, gold, and so on. Quite aggressive.\n\nIt had quite a lot of growth last year, jumped from, I think, 83,000 to 102,000. Lo and behold, after a 30% increase, the markets have been tumbling down since Christmas, and it's sitting at a 104,000 at the moment. So this is kind of that roller coaster that we talk about when we talk about going into a high growth risk category. Yeah. I guess the way I would explain it too is we always talk about, like, market cycles, and it's on average, like, every seven years that the stock markets grow for five or six years, and then there's some sort of event.\n\nThere's a global financial crisis, a COVID, a war somewhere, and the markets take a bit of a tumble, and that tends to repeat every seven years or so. So the main plan, I guess, for you guys is your contributions go in. You get to continuously buy up all these assets and repeat those cycles. So when it goes down, you get to buy a few more properties for a cheaper price. You probably don't wanna still be aggressive at the age of 59, though, because you probably don't wanna lose half your super a year before you go to live on it with the stock market crash.\n\nDoes that make sense? Yep. So one thing that we do keep an eye on is even though you're in high risk, that doesn't mean that we're being sort of, how do you say, excessive with the risk level, anything too crazy. Most of the options have been doing really well. So overall, most of your options have been having some pretty good growth.\n\nYou've got about eight or nine options in there. Even your I don't know if your partner talks about gold and silver and that kind of thing. Does he mention that much? Yeah. It's something that holds its value long very, very long term over hundreds of years, but sometimes you have these scenarios where the world goes crazy.\n\nAnd towards the end of last year, gold and silver went up, like, 500%. Everyone's super got a nice little bonus out of that because we had you in a little bit of that, and then it's kind of dropping down after Christmas as well. So everything's looking pretty good. There is one option that kind of concerns me a little bit, and it's essentially a a Benelon option that has your Australian shares. So think of it as, like, your Commonwealth Bank, Rio Tinto, all the companies that you own in Australia as kind of underperforming a little bit.\n\nSo so one thing that I might do is if you're comfortable with that long term view, the long term risk level is I might just find a better alternative to switch them out like for like. Cool. Everything else will pretty much remain the same. I'll look to update that one option. We've already sent you through.\n\nDid you get an email from us about an ROA record of advice for a bit of a change that we made? It'll be just before the Clearview one. I'm actually just gonna quickly scroll back. You would have received it, I think, on the March 13. I can imagine.\n\nThat's fair. No worries. And the subject heading should be Netwealth portfolio update record of advice. No. That's okay.\n\nWhat that's basically saying is that we had flagged this one option around Christmas time. And, normally, whenever we change your investments, we go through, like, a statement of advice. I give you a a new document, and we walk through and talk about, we think we should change to this. Are you comfortable with the reasons we've given? And then we can go ahead and do that.\n\nIn this case, because of everything that was going on in the world, we've actually just kind of done a blanket rule across all clients to make that change straight away before it goes too crazy. Cool. So the portfolio is pretty well updated. You should see the performance change pretty well throughout the year. So once the market starts going up, you and your partner should see that reflected in your balance as well.\n\nPerfect. So at this point, I'm pretty much gonna look at bumping up the income protection, get you a little bit of a trauma quote, and just remind you guys to get a will at some point as well. Is there anything else that you would like to talk about in this review? Yep. No.\n\nThat's totally fine. What I'll do is I'll include the information in there. And at the bottom of the document when we walk through it, there'll be a signature box, and you can pretty much say, I would like to go ahead with both of them, one of them, whatever you prefer. Awesome. Anything else for me before I let you go, Danielle?\n\nAmazing. I will send you through an annual review pack tomorrow, and that'll just have, like, your updated service agreement, a financial services guide, all of your reports, and everything attached. So if you could have a look at that email tomorrow, that would be amazing. Awesome. Have a great night.\n\nThank you so much for your time. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Danielle.","start":8.24,"end":8.96,"sentiment":"neutral","sentiment_score":0.044125404208898544},{"text":"It's Tommy here from Oakview Financial.","start":8.96,"end":10.8,"sentiment":"neutral","sentiment_score":0.07106732452909152},{"text":"Just giving you a call.","start":10.8,"end":11.84,"sentiment":"neutral","sentiment_score":0.07750568762421609},{"text":"Oh, Danielle.","start":11.84,"end":12.66,"sentiment":"neutral","sentiment_score":0.11780659854412079},{"text":"Fantastic.","start":13.985,"end":14.485,"sentiment":"positive","sentiment_score":0.7001329660415649}],"sentiment":"neutral","sentiment_score":0.11487058480270207,"num_words":16,"start":8.24,"end":14.485},{"sentences":[{"text":"How are you doing?","start":14.545,"end":15.535,"sentiment":"positive","sentiment_score":0.42630230635404587},{"text":"No worries at all.","start":25.919998,"end":27.279999,"sentiment":"neutral","sentiment_score":-0.052603849209845066},{"text":"I've actually had that pop up about seven times this week, and it's the strangest feature because then after I give the message, it calls through to somebody.","start":27.279999,"end":34.239998,"sentiment":"neutral","sentiment_score":-0.1948445135993617},{"text":"And half the time I get them, half the time it's a voice mail.","start":34.239998,"end":36.879997,"sentiment":"neutral","sentiment_score":-0.14600311645439693},{"text":"So thank you for picking up.","start":36.879997,"end":38.399998,"sentiment":"neutral","sentiment_score":0.33234354729453724}],"sentiment":"neutral","sentiment_score":-0.0716220517642796,"num_words":56,"start":14.545,"end":38.399998},{"sentences":[{"text":"Appreciate that.","start":38.399998,"end":39.285,"sentiment":"neutral","sentiment_score":0.19164341688156128},{"text":"I was giving you a call today to go through your annual review.","start":42.645,"end":45.864998,"sentiment":"neutral","sentiment_score":0.13827967930298585},{"text":"Kyle has gone home sick.","start":46.965,"end":48.645,"sentiment":"neutral","sentiment_score":-0.25411718487739565},{"text":"So as the senior adviser, I wanted to just take the chance to jump on with you if you still had a bit of time.","start":48.645,"end":53.55,"sentiment":"neutral","sentiment_score":-0.021135638058185576},{"text":"Perfect.","start":55.39,"end":55.71,"sentiment":"positive","sentiment_score":0.3834487795829773}],"sentiment":"neutral","sentiment_score":0.01663901235746301,"num_words":46,"start":38.399998,"end":55.71},{"sentences":[{"text":"Thank you so much for that.","start":55.71,"end":56.91,"sentiment":"positive","sentiment_score":0.48985230425993603},{"text":"Before I jump into any details, are you okay for the call to be recorded?","start":56.91,"end":60.449997,"sentiment":"neutral","sentiment_score":0.10724190200368564},{"text":"Perfect.","start":62.43,"end":62.91,"sentiment":"neutral","sentiment_score":0.13513030111789703},{"text":"And usual security process, I'm registered with Asik as adviser one 273105.","start":62.91,"end":69.704994,"sentiment":"neutral","sentiment_score":0.07792959455400705},{"text":"Are you okay to confirm your date of birth and address, please?","start":69.765,"end":72.585,"sentiment":"neutral","sentiment_score":0.04283618833869696}],"sentiment":"neutral","sentiment_score":0.13330569677054882,"num_words":46,"start":55.71,"end":72.585},{"sentences":[{"text":"Thank you so much for that, Danielle.","start":79.284996,"end":80.80499,"sentiment":"positive","sentiment_score":0.5952370677675519},{"text":"Really appreciate it.","start":80.80499,"end":81.96,"sentiment":"positive","sentiment_score":0.6823501785596212},{"text":"Now I've got a bit of an annual review pack to send through to you.","start":82.12,"end":85.74,"sentiment":"neutral","sentiment_score":0.2319623072942098},{"text":"Purpose of today's call, see how the soup is going and if we need to make any changes and just see if there's been any significant changes in your circumstances as well.","start":86.04,"end":94.78,"sentiment":"neutral","sentiment_score":0.10500654089264572},{"text":"Just wanted to start off and ask you, is there anything in particular you would like to get out of this year's review?","start":97.085,"end":101.905,"sentiment":"neutral","sentiment_score":0.073531414422652}],"sentiment":"neutral","sentiment_score":0.18430720574688167,"num_words":80,"start":79.284996,"end":101.905},{"sentences":[{"text":"Yes.","start":115.26,"end":115.76,"sentiment":"neutral","sentiment_score":0.06318101286888123},{"text":"Absolutely.","start":132.93,"end":133.43,"sentiment":"neutral","sentiment_score":0.13217149674892426},{"text":"I'm assuming it's a little bit out of date because looking at contributions, I did a bit of a calculation, and I believe you'd be on a little over a 100,000 now.","start":133.97,"end":144.13,"sentiment":"neutral","sentiment_score":-0.06942070965305902},{"text":"Is that right?","start":144.13,"end":144.975,"sentiment":"neutral","sentiment_score":0.01883036084473133},{"text":"Amazing.","start":151.93501,"end":152.43501,"sentiment":"positive","sentiment_score":0.7031557559967041}],"sentiment":"neutral","sentiment_score":-0.03332798317761013,"num_words":38,"start":115.26,"end":152.43501},{"sentences":[{"text":"Congratulations.","start":152.655,"end":153.155,"sentiment":"positive","sentiment_score":0.6321938633918762},{"text":"Yep.","start":161.95001,"end":162.03,"sentiment":"neutral","sentiment_score":0.02320791594684124},{"text":"No.","start":162.03,"end":162.35,"sentiment":"neutral","sentiment_score":-0.012777749449014664},{"text":"That's perfectly fine.","start":162.35,"end":163.15001,"sentiment":"neutral","sentiment_score":0.12334328144788742},{"text":"I think last time we had it at 90, and I was looking at the contributions and going, no.","start":163.15001,"end":167.23001,"sentiment":"neutral","sentiment_score":-0.00628812258180819}],"sentiment":"neutral","sentiment_score":0.03572718180716038,"num_words":25,"start":152.655,"end":167.23001},{"sentences":[{"text":"That's that's 6 figures.","start":167.23001,"end":168.59001,"sentiment":"neutral","sentiment_score":0.052439102277276106},{"text":"I can see that.","start":168.59001,"end":169.57,"sentiment":"neutral","sentiment_score":0.1377859003841877},{"text":"Absolutely.","start":173.345,"end":173.845,"sentiment":"positive","sentiment_score":0.38014230132102966},{"text":"So I'll factor that into, you know, projections and whatnot and see how that's looking.","start":174.145,"end":178.645,"sentiment":"neutral","sentiment_score":0.1920970732967059},{"text":"Are you still are you still a safety officer?","start":179.185,"end":181.445,"sentiment":"neutral","sentiment_score":0.021390565153625276}],"sentiment":"neutral","sentiment_score":0.1277276817515182,"num_words":33,"start":167.23001,"end":181.445},{"sentences":[{"text":"Okay.","start":191.52,"end":192.02,"sentiment":"neutral","sentiment_score":0.05201724171638489},{"text":"Yeah.","start":199.695,"end":200.195,"sentiment":"neutral","sentiment_score":0.019409017637372017},{"text":"Yeah.","start":211.15001,"end":211.55,"sentiment":"neutral","sentiment_score":0.06814633309841156},{"text":"Absolutely.","start":211.55,"end":212.05,"sentiment":"neutral","sentiment_score":0.08521406352519989},{"text":"Still office space, of course.","start":212.27,"end":213.73,"sentiment":"neutral","sentiment_score":0.04819696098566055}],"sentiment":"neutral","sentiment_score":0.05175238454507457,"num_words":9,"start":191.52,"end":213.73},{"sentences":[{"text":"Okay.","start":215.39,"end":215.87,"sentiment":"neutral","sentiment_score":0.06573987752199173},{"text":"So a couple of quick questions for you then.","start":215.87,"end":217.39,"sentiment":"neutral","sentiment_score":0.059749258475171194},{"text":"I'm just gonna pull up your certificate of currency for your insurance policy.","start":217.39,"end":222.265,"sentiment":"neutral","sentiment_score":0.061392355137146436},{"text":"While I'm doing that, do you manage staff by any chance?","start":222.645,"end":228.025,"sentiment":"neutral","sentiment_score":-0.00861813754520633},{"text":"Cool.","start":230.485,"end":230.805,"sentiment":"neutral","sentiment_score":-0.10100359469652176}],"sentiment":"neutral","sentiment_score":0.03445087751107556,"num_words":35,"start":215.39,"end":230.805},{"sentences":[{"text":"Okay.","start":230.805,"end":231.125,"sentiment":"neutral","sentiment_score":-0.030073806643486023},{"text":"So six.","start":231.125,"end":232.425,"sentiment":"neutral","sentiment_score":-0.03371459897607565},{"text":"Perfect.","start":234.56,"end":235.06,"sentiment":"neutral","sentiment_score":-0.005472262389957905},{"text":"Would you have any linking qualifications, degrees, anything like that that you've done to get this level of income?","start":235.92,"end":242.81999,"sentiment":"neutral","sentiment_score":0.023313156917299096},{"text":"Yep.","start":249.535,"end":250.035,"sentiment":"neutral","sentiment_score":0.10241429507732391}],"sentiment":"neutral","sentiment_score":0.018432875396683812,"num_words":24,"start":230.805,"end":250.035},{"sentences":[{"text":"And diploma.","start":260.43,"end":261.33,"sentiment":"neutral","sentiment_score":0.02655870746821165},{"text":"Okay.","start":262.59,"end":263.09,"sentiment":"neutral","sentiment_score":0.07609400153160095},{"text":"Yeah.","start":263.15,"end":263.38998,"sentiment":"neutral","sentiment_score":0.09471681714057922},{"text":"The reason why I ask is because once you get above a 120,000, depending on qualifications and how managerial your duties are, you could potentially qualify for a better occupation rating with the insurer, which may make things a little bit more affordable.","start":263.38998,"end":279.605,"sentiment":"neutral","sentiment_score":0.14733179606670557},{"text":"You're kind of on the cusp, but I'm gonna ask the question of them and see if I can get that updated potentially as well.","start":279.825,"end":286.645,"sentiment":"neutral","sentiment_score":0.1323316815495491}],"sentiment":"neutral","sentiment_score":0.1370484375446621,"num_words":72,"start":260.43,"end":286.645},{"sentences":[{"text":"K.","start":288.66,"end":289.16,"sentiment":"neutral","sentiment_score":0.07148595154285431},{"text":"For the policy, let me just bring that up.","start":290.02,"end":291.86,"sentiment":"neutral","sentiment_score":0.07805706063906352},{"text":"And it's what's the employer name, if you don't mind me asking?","start":291.86,"end":295.31998,"sentiment":"neutral","sentiment_score":0.05878694479664167},{"text":"Construction.","start":298.09998,"end":298.59998,"sentiment":"neutral","sentiment_score":0.06509001553058624},{"text":"Thank you very much for that.","start":299.62,"end":301.245,"sentiment":"positive","sentiment_score":0.6555575132369995}],"sentiment":"neutral","sentiment_score":0.1888923424071279,"num_words":29,"start":288.66,"end":301.245},{"sentences":[{"text":"We've just kinda switched over to a new CRM, so I'm just making sure everything's up to date that we have.","start":301.405,"end":306.945,"sentiment":"positive","sentiment_score":0.45824850173223586},{"text":"That'll be full time.","start":307.32498,"end":308.525,"sentiment":"positive","sentiment_score":0.37281592190265656},{"text":"Are you still putting away around about 250 in savings per week, or has that gone up as well?","start":308.525,"end":314.4,"sentiment":"neutral","sentiment_score":0.1044938113344343},{"text":"Yeah.","start":324.47998,"end":324.8,"sentiment":"neutral","sentiment_score":0.09669853746891022},{"text":"No.","start":324.8,"end":325.03998,"sentiment":"neutral","sentiment_score":0.08922381699085236}],"sentiment":"neutral","sentiment_score":0.2888214563869912,"num_words":46,"start":301.405,"end":325.03998},{"sentences":[{"text":"Totally fine.","start":325.03998,"end":325.91998,"sentiment":"neutral","sentiment_score":0.1985926777124405},{"text":"So saving towards a wedding.","start":325.91998,"end":327.19998,"sentiment":"neutral","sentiment_score":0.16130506247282028},{"text":"I was looking through the goals previously as well.","start":327.19998,"end":329.78,"sentiment":"neutral","sentiment_score":0.15257853600713941},{"text":"You were paying off the car loan.","start":330.04498,"end":331.485,"sentiment":"neutral","sentiment_score":0.07169931754469872},{"text":"I'm assuming you went on that holiday to Bali last year.","start":331.485,"end":334.865,"sentiment":"neutral","sentiment_score":0.07278635691512715}],"sentiment":"neutral","sentiment_score":0.11410184237448608,"num_words":34,"start":325.03998,"end":334.865},{"sentences":[{"text":"Okay.","start":341.485,"end":341.985,"sentiment":"neutral","sentiment_score":0.1108146756887436},{"text":"Perfect.","start":352.81,"end":353.31,"sentiment":"positive","sentiment_score":0.5695472955703735},{"text":"Saving for a wedding.","start":353.68997,"end":354.56998,"sentiment":"positive","sentiment_score":0.3413778394460678},{"text":"If you don't mind me asking, have you guys got much put into either offset account, or is it just general savings account?","start":354.56998,"end":362.295,"sentiment":"neutral","sentiment_score":0.06028612524918888},{"text":"Yeah.","start":366.035,"end":366.535,"sentiment":"neutral","sentiment_score":0.0945509821176529}],"sentiment":"neutral","sentiment_score":0.11756683972974619,"num_words":30,"start":341.485,"end":366.535},{"sentences":[{"text":"I'm assuming too that the the property probably would have jumped up quite a bit in value as well.","start":394.4,"end":399.91998,"sentiment":"neutral","sentiment_score":-0.05427521192713788},{"text":"Not sure if you've been keeping an eye on it.","start":399.91998,"end":402.09998,"sentiment":"neutral","sentiment_score":-0.03130899015814066},{"text":"Yeah.","start":410.575,"end":411.075,"sentiment":"neutral","sentiment_score":0.00563106220215559},{"text":"Wow.","start":436.925,"end":437.425,"sentiment":"neutral","sentiment_score":0.22795501351356504},{"text":"That's insane.","start":439.165,"end":440.145,"sentiment":"neutral","sentiment_score":0.1562030017375946}],"sentiment":"neutral","sentiment_score":-0.02419172269715504,"num_words":33,"start":394.4,"end":440.145},{"sentences":[{"text":"Perfect.","start":445.1,"end":445.42,"sentiment":"positive","sentiment_score":0.6349878311157227},{"text":"So you'd have quite a bit of equity there.","start":445.42,"end":447.6,"sentiment":"neutral","sentiment_score":0.2892264674107234},{"text":"Have you guys gotten the loan under 400,000 now?","start":448.62003,"end":451.34003,"sentiment":"neutral","sentiment_score":0.05410434388452106},{"text":"Or No worries.","start":451.34003,"end":466.59003,"sentiment":"neutral","sentiment_score":-0.03580710540215174},{"text":"Just while you're doing that, I'm just having a look at your income protection as well just to get a look at the figures.","start":476.57,"end":487.8425,"sentiment":"neutral","sentiment_score":-0.015880084053302806}],"sentiment":"neutral","sentiment_score":0.07035699563667826,"num_words":46,"start":445.1,"end":487.8425},{"sentences":[{"text":"No worries.","start":509.525,"end":510.345,"sentiment":"neutral","sentiment_score":0.016052205115556717},{"text":"It's always the way.","start":598.35,"end":599.06995,"sentiment":"neutral","sentiment_score":0.027086978778243065},{"text":"We always struggle with two factor authentication and password keepers and all kinds of things on the IT front.","start":599.06995,"end":605.08997,"sentiment":"neutral","sentiment_score":-0.06580659629482973},{"text":"Yeah.","start":612.855,"end":613.355,"sentiment":"neutral","sentiment_score":0.17308789491653442},{"text":"No.","start":622.14996,"end":622.31,"sentiment":"neutral","sentiment_score":-0.033174317330121994}],"sentiment":"neutral","sentiment_score":-0.03592442321004691,"num_words":27,"start":509.525,"end":622.31},{"sentences":[{"text":"That's fine.","start":622.31,"end":622.87,"sentiment":"neutral","sentiment_score":0.2659055292606354},{"text":"Are they making you go into the emails and verifying all that fun stuff?","start":622.87,"end":627.21,"sentiment":"neutral","sentiment_score":0.15942935539143427},{"text":"Yeah.","start":628.55,"end":629.05,"sentiment":"neutral","sentiment_score":0.08120229840278625},{"text":"Success?","start":686.20496,"end":686.70496,"sentiment":"neutral","sentiment_score":0.1543898582458496},{"text":"Fantastic.","start":688.365,"end":688.865,"sentiment":"positive","sentiment_score":0.4802467823028565}],"sentiment":"neutral","sentiment_score":0.18314005120804436,"num_words":19,"start":622.31,"end":688.865},{"sentences":[{"text":"That's okay.","start":690.54,"end":691.27997,"sentiment":"neutral","sentiment_score":0.04062415659427643},{"text":"No worries at all.","start":692.3,"end":693.51996,"sentiment":"neutral","sentiment_score":0.04043047595769167},{"text":"Okay.","start":703.275,"end":703.775,"sentiment":"neutral","sentiment_score":0.035711586475372314},{"text":"73.","start":705.675,"end":706.735,"sentiment":"neutral","sentiment_score":0.07996098697185516},{"text":"Fantastic.","start":707.115,"end":707.615,"sentiment":"positive","sentiment_score":0.5656639337539673}],"sentiment":"neutral","sentiment_score":0.1027007471356127,"num_words":9,"start":690.54,"end":707.615},{"sentences":[{"text":"Moving well done.","start":708.235,"end":709.295,"sentiment":"positive","sentiment_score":0.6260518630345663},{"text":"And $3.16.","start":710.235,"end":719.77,"sentiment":"neutral","sentiment_score":0.20866094529628754},{"text":"That's amazing.","start":719.77,"end":720.75,"sentiment":"positive","sentiment_score":0.6350588202476501},{"text":"Alright.","start":721.85004,"end":722.35004,"sentiment":"neutral","sentiment_score":0.23053860664367676},{"text":"900 value, $3.16 owing, 73 in the offset.","start":722.49,"end":727.23004,"sentiment":"neutral","sentiment_score":0.13443904276937246}],"sentiment":"neutral","sentiment_score":0.3044778793118894,"num_words":16,"start":708.235,"end":727.23004},{"sentences":[{"text":"Fantastic.","start":730.175,"end":730.675,"sentiment":"positive","sentiment_score":0.4229056239128113},{"text":"Do you have much of a savings goal beyond the 73 for saving for the wedding and everything?","start":730.73505,"end":735.53503,"sentiment":"neutral","sentiment_score":0.06230887812044886},{"text":"You're just kind of putting as much as you can in?","start":735.53503,"end":737.955,"sentiment":"neutral","sentiment_score":0.04154394431547685},{"text":"Yeah.","start":763.725,"end":764.225,"sentiment":"neutral","sentiment_score":0.09316764771938324},{"text":"Perfect.","start":774.54004,"end":775.04004,"sentiment":"neutral","sentiment_score":0.2022271752357483}],"sentiment":"neutral","sentiment_score":0.07177636376582086,"num_words":32,"start":730.175,"end":775.04004},{"sentences":[{"text":"So would you say that, like, have you gone kind of spoken about how much the renovations might cost after the wedding, or is that kind of stuff in the air?","start":775.10004,"end":784.57495,"sentiment":"neutral","sentiment_score":-0.0006008593125208731},{"text":"Yep.","start":793.13,"end":793.63,"sentiment":"neutral","sentiment_score":0.10285534709692},{"text":"Fantastic.","start":793.77,"end":794.27,"sentiment":"neutral","sentiment_score":0.2187402546405792},{"text":"So at the moment, it kinda sounds like maybe, like, a one to three year goal to sort out the wedding and the renovations and then look to upgrade after that.","start":794.41,"end":802.725,"sentiment":"neutral","sentiment_score":0.11246150155221263},{"text":"Yep.","start":804.08496,"end":804.58496,"sentiment":"neutral","sentiment_score":0.05952880531549454}],"sentiment":"neutral","sentiment_score":0.0592123740997452,"num_words":65,"start":775.10004,"end":804.58496},{"sentences":[{"text":"K.","start":805.125,"end":805.365,"sentiment":"neutral","sentiment_score":0.012675903737545012},{"text":"One to three and five beyond.","start":805.365,"end":808.105,"sentiment":"neutral","sentiment_score":0.02415559906512499},{"text":"Anything else you guys are working on at the moment?","start":809.125,"end":811.305,"sentiment":"neutral","sentiment_score":0.02394882021471858},{"text":"Perfect.","start":814.98,"end":815.22,"sentiment":"positive","sentiment_score":0.5914813280105591},{"text":"Perfect.","start":815.22,"end":815.72,"sentiment":"positive","sentiment_score":0.5560462474822998}],"sentiment":"neutral","sentiment_score":0.08129606714570209,"num_words":19,"start":805.125,"end":815.72},{"sentences":[{"text":"I'm not looking to use the equity for anything other than bit of an upgrade.","start":816.02,"end":819.32,"sentiment":"neutral","sentiment_score":0.031206776698430378},{"text":"K.","start":829.715,"end":830.215,"sentiment":"neutral","sentiment_score":0.02485235780477524},{"text":"See, after the priorities are done first.","start":832.355,"end":834.855,"sentiment":"neutral","sentiment_score":0.07191304702843938},{"text":"Yep.","start":836.195,"end":836.695,"sentiment":"neutral","sentiment_score":0.20129665732383728},{"text":"Now I'm with you.","start":836.915,"end":837.555,"sentiment":"neutral","sentiment_score":0.20902230590581894}],"sentiment":"neutral","sentiment_score":0.07263325780097928,"num_words":28,"start":816.02,"end":837.555},{"sentences":[{"text":"If you guys ever need any help with the investment property side, please feel free to call through to us.","start":837.555,"end":842.37,"sentiment":"neutral","sentiment_score":0.14848877042531966},{"text":"More than happy to walk you through some ideas and options.","start":842.69,"end":845.27,"sentiment":"positive","sentiment_score":0.4977340942079371},{"text":"Perfect.","start":847.97,"end":848.47,"sentiment":"positive","sentiment_score":0.6053100824356079},{"text":"I've just had a look at your income protection, and it's quite low compared to your income.","start":848.61,"end":854.87,"sentiment":"neutral","sentiment_score":0.23158324904301586},{"text":"So 4,336 a month worth of cover.","start":855.285,"end":861.225,"sentiment":"neutral","sentiment_score":0.13918828112738474}],"sentiment":"neutral","sentiment_score":0.24931060230093344,"num_words":56,"start":837.555,"end":861.225},{"sentences":[{"text":"So think of it as just over a thousand bucks a week you would get if you're off work for more than a month.","start":861.445,"end":867.06,"sentiment":"neutral","sentiment_score":0.10365086312716205},{"text":"If you work that back because the maximum is 70%, it's protecting an income of 75,000.","start":869.22,"end":875.16,"sentiment":"neutral","sentiment_score":0.1332561420276761},{"text":"So five year benefit period sorry.","start":880.995,"end":883.635,"sentiment":"neutral","sentiment_score":0.2348225067059199},{"text":"Five year benefit, thirty day waiting period, that's pretty good.","start":883.635,"end":886.615,"sentiment":"neutral","sentiment_score":0.30622404515743257},{"text":"You can usually extend that up to the age of 65, but you do have about 1,100,000.0 worth of life insurance and total disability for the long term side of things.","start":887.075,"end":897.03,"sentiment":"neutral","sentiment_score":0.07556367941921757}],"sentiment":"neutral","sentiment_score":0.13141802921034823,"num_words":87,"start":861.445,"end":897.03},{"sentences":[{"text":"So what I wanted to ask you was, do you want me to kind of get a bit of an alteration with Clearview to see how much it would be to bump up the income protection?","start":899.09,"end":906.63,"sentiment":"neutral","sentiment_score":0.0463864810557829},{"text":"Yep.","start":908.405,"end":908.905,"sentiment":"neutral","sentiment_score":0.09476999938488008},{"text":"K.","start":908.965,"end":909.465,"sentiment":"neutral","sentiment_score":0.1100367158651352},{"text":"Now you have had Clearview for a few years.","start":910.085,"end":912.965,"sentiment":"neutral","sentiment_score":0.27763888736565906},{"text":"It's really affordable.","start":912.965,"end":914.325,"sentiment":"positive","sentiment_score":0.499725341796875}],"sentiment":"neutral","sentiment_score":0.11745292089879512,"num_words":50,"start":899.09,"end":914.325},{"sentences":[{"text":"It's 1,500 before the tax rebate out of the server.","start":914.325,"end":917.865,"sentiment":"neutral","sentiment_score":0.24358217567205429},{"text":"Do you want me to shop around and see if there's a more affordable provider?","start":918.325,"end":921.75,"sentiment":"neutral","sentiment_score":0.054014185816049574},{"text":"I'll do an alteration quote with them as well, but do you want me to check both?","start":921.81,"end":925.67004,"sentiment":"neutral","sentiment_score":0.1051878512782209},{"text":"Yeah.","start":934.865,"end":935.365,"sentiment":"positive","sentiment_score":0.3759472966194153},{"text":"Perfect.","start":936.865,"end":937.365,"sentiment":"positive","sentiment_score":0.768486738204956}],"sentiment":"neutral","sentiment_score":0.14042413751171393,"num_words":44,"start":914.325,"end":937.365},{"sentences":[{"text":"So what I usually do in those circumstances is we get an alteration quote from them.","start":937.425,"end":941.425,"sentiment":"neutral","sentiment_score":0.17219608603045344},{"text":"Usually takes about a week.","start":941.425,"end":942.885,"sentiment":"neutral","sentiment_score":0.09989572018384933},{"text":"We will do a software quote for all insurers just to see if based on your occupation, anyone's offering anything better.","start":943.745,"end":950.66003,"sentiment":"neutral","sentiment_score":0.12156187991301219},{"text":"But I'll make sure that under the hood, the policy feature score is the same or higher so you don't have any sort of worse policy.","start":950.72003,"end":958.82,"sentiment":"neutral","sentiment_score":0.10722990133441411},{"text":"Perfect.","start":960.815,"end":961.315,"sentiment":"positive","sentiment_score":0.5609151124954224}],"sentiment":"neutral","sentiment_score":0.13270011598217316,"num_words":69,"start":937.425,"end":961.315},{"sentences":[{"text":"What about with the life and disability cover?","start":961.53503,"end":963.695,"sentiment":"neutral","sentiment_score":0.15527240838855505},{"text":"1,160,000.00 there.","start":963.695,"end":966.335,"sentiment":"neutral","sentiment_score":0.11225835233926773},{"text":"That's obviously covering the debt and then quite a bit over the top.","start":966.335,"end":969.955,"sentiment":"neutral","sentiment_score":0.1643820978127993},{"text":"Your original goal was to cover the debts with a $100,000 buffer, so you've obviously trimmed down the debt quite a bit.","start":970.41504,"end":976.63,"sentiment":"neutral","sentiment_score":0.24173231490633704},{"text":"Do you feel like kind of dropping that down a little bit, or if it's affordable, just keep it as is?","start":976.77,"end":982.31,"sentiment":"neutral","sentiment_score":0.1069251000881195}],"sentiment":"neutral","sentiment_score":0.16920001929004988,"num_words":66,"start":961.53503,"end":982.31},{"sentences":[{"text":"Yep.","start":985.25,"end":985.75,"sentiment":"neutral","sentiment_score":0.1483035385608673},{"text":"We'll keep an eye on it yearly because it's not too detrimental 3 thirties.","start":985.89,"end":990.23,"sentiment":"neutral","sentiment_score":0.06245973227279527},{"text":"Once you hit forties, though, it can jump up to $3.04, 5,000 pretty quickly.","start":990.50494,"end":995.46497,"sentiment":"neutral","sentiment_score":-0.02759506500193051},{"text":"And if you've got that mortgage paid off, we can look at trimming it down.","start":995.46497,"end":999.305,"sentiment":"neutral","sentiment_score":0.05738313967982928},{"text":"If you do upgrade homes, maybe it's nice to have that buffer there for the future debts as well.","start":999.305,"end":1004.125,"sentiment":"neutral","sentiment_score":0.24275050939697967}],"sentiment":"neutral","sentiment_score":0.09697485165227027,"num_words":63,"start":985.25,"end":1004.125},{"sentences":[{"text":"Perfect.","start":1007.1,"end":1007.42,"sentiment":"positive","sentiment_score":0.4585188329219818},{"text":"So I'll leave that there and just do the alteration increase for income protection.","start":1007.42,"end":1012.39996,"sentiment":"neutral","sentiment_score":0.14440337089555605},{"text":"I do have to ask the question around trauma insurance, that fourth one.","start":1013.18,"end":1017.01996,"sentiment":"neutral","sentiment_score":-0.022766590261688598},{"text":"Do you recall what that does?","start":1017.01996,"end":1018.72,"sentiment":"neutral","sentiment_score":-0.007984733209013939},{"text":"So that's one that you don't have, but you can only have it out of pocket.","start":1020.695,"end":1024.795,"sentiment":"neutral","sentiment_score":-0.17005178797990084}],"sentiment":"neutral","sentiment_score":-0.011690733097493649,"num_words":50,"start":1007.1,"end":1024.795},{"sentences":[{"text":"You can't have it through your super.","start":1024.9349,"end":1026.715,"sentiment":"neutral","sentiment_score":-0.23909289922033036},{"text":"It's essentially like a a medical lump sum for heart attack, stroke, and cancer.","start":1027.175,"end":1032.875,"sentiment":"neutral","sentiment_score":-0.1561019037451063},{"text":"So life insurance is if you pass away, TPD is if you can never work again, income protections for the temporary illness and injury, trauma is like, oh, I've had a heart attack.","start":1033.9199,"end":1044.48,"sentiment":"neutral","sentiment_score":-0.06553386496097753},{"text":"I go back to work the next week, But do I wanna lump sum to go to private hospital, have my partner take some time off to look after me if I get diagnosed with cancer, that type of thing?","start":1044.48,"end":1055.945,"sentiment":"neutral","sentiment_score":-0.012499775760807097},{"text":"So what I'll do, I can usually do, like, a baseline quote for a 100,000 is usually a good starting point.","start":1073.315,"end":1079.815,"sentiment":"neutral","sentiment_score":0.20790925834860122}],"sentiment":"neutral","sentiment_score":-0.018744270398241024,"num_words":115,"start":1024.9349,"end":1079.815},{"sentences":[{"text":"And then I'll see what that comes out like on a maybe, like, a monthly premium rather than an annual.","start":1079.955,"end":1085.415,"sentiment":"neutral","sentiment_score":0.20773548409342765},{"text":"So that way, it's kinda spread out for you.","start":1085.6,"end":1087.76,"sentiment":"neutral","sentiment_score":0.2511936244037416},{"text":"Is there a bit of a limit you want me to put for affordability, like 20 a month, 30 a month, 40 a month?","start":1087.76,"end":1093.78,"sentiment":"neutral","sentiment_score":0.009896459251952669},{"text":"What would be your maximum?","start":1093.84,"end":1095.86,"sentiment":"neutral","sentiment_score":-0.030362437665462493},{"text":"Yeah.","start":1116.43,"end":1116.75,"sentiment":"neutral","sentiment_score":-0.052643708884716034}],"sentiment":"neutral","sentiment_score":0.10929680383622141,"num_words":59,"start":1079.955,"end":1116.75},{"sentences":[{"text":"I'm with you a 100%.","start":1116.75,"end":1118.13,"sentiment":"neutral","sentiment_score":-0.05572350695729256},{"text":"So what I'll do, yeah, we'll see what it costs.","start":1121.63,"end":1125.085,"sentiment":"neutral","sentiment_score":-0.05844276379793882},{"text":"What I'll do is I'll just do the baseline quote.","start":1125.085,"end":1127.745,"sentiment":"neutral","sentiment_score":0.1235983431339264},{"text":"I'll send you through when I do the the updated advice for the income protection, I'll include there, like, a table of what it actually pays out on and then how much the price is, and you can kind of work out if you feel it's valuable.","start":1128.365,"end":1140.98,"sentiment":"neutral","sentiment_score":0.14007070724000323},{"text":"Perfect.","start":1143.84,"end":1144.34,"sentiment":"positive","sentiment_score":0.508963406085968}],"sentiment":"neutral","sentiment_score":0.10226335486218538,"num_words":73,"start":1116.75,"end":1144.34},{"sentences":[{"text":"Just before I jump on to the super and finish things off, I just want to check if you guys ended up getting, like, the will and power of attorney put in place.","start":1145.92,"end":1154.145,"sentiment":"neutral","sentiment_score":0.12131698237675609},{"text":"K.","start":1156.365,"end":1156.685,"sentiment":"neutral","sentiment_score":0.0066661108285188675},{"text":"So at the moment, beneficiaries in line with your partner, you're still okay for that?","start":1156.685,"end":1160.9451,"sentiment":"neutral","sentiment_score":0.05729456022381783},{"text":"For the super and the life insurance, that's okay.","start":1161.9,"end":1164.7201,"sentiment":"positive","sentiment_score":0.33826412591669297},{"text":"And, again, you said you just recently fixed that up with Clearview, so thank you for that.","start":1165.26,"end":1169.28,"sentiment":"positive","sentiment_score":0.5996126813047072}],"sentiment":"neutral","sentiment_score":0.24143116864065328,"num_words":75,"start":1145.92,"end":1169.28},{"sentences":[{"text":"With the kind of insolvency side of things, this is just a new question for us.","start":1171.8201,"end":1177.535,"sentiment":"neutral","sentiment_score":-0.10717425844632089},{"text":"Have you guys ever gone through, like, a bankruptcy before or a part nine debt agreement?","start":1177.8351,"end":1182.175,"sentiment":"neutral","sentiment_score":-0.10245894733816385},{"text":"Perfect.","start":1183.915,"end":1184.415,"sentiment":"neutral","sentiment_score":0.07596960663795471},{"text":"Sorry.","start":1184.795,"end":1185.035,"sentiment":"neutral","sentiment_score":-0.10177958011627196},{"text":"It's just an extra little check there because it does affect home loans and credit applications and so on.","start":1185.035,"end":1191.62,"sentiment":"neutral","sentiment_score":-0.08755731670872162}],"sentiment":"neutral","sentiment_score":-0.09516094874520346,"num_words":53,"start":1171.8201,"end":1191.62},{"sentences":[{"text":"Perfect.","start":1193.52,"end":1194.0,"sentiment":"positive","sentiment_score":0.3632691502571106},{"text":"Now when it comes to the superannuation, have you do you usually log into it?","start":1194.0,"end":1197.28,"sentiment":"neutral","sentiment_score":0.06126535907387733},{"text":"I know you've been a client for a few years now.","start":1197.28,"end":1199.12,"sentiment":"neutral","sentiment_score":0.05281828394667669},{"text":"Do you check it every now and then?","start":1199.12,"end":1200.56,"sentiment":"neutral","sentiment_score":0.020770044648088515},{"text":"Or Yeah.","start":1200.56,"end":1224.38,"sentiment":"neutral","sentiment_score":0.034612891264259815}],"sentiment":"neutral","sentiment_score":0.05671991349978221,"num_words":37,"start":1193.52,"end":1224.38},{"sentences":[{"text":"Cool.","start":1224.76,"end":1225.26,"sentiment":"neutral","sentiment_score":0.3033776879310608},{"text":"So he's kind of the the the financial he's got a lot of the financial interest there, and he kind of dives into it a bit more in-depth.","start":1225.475,"end":1232.935,"sentiment":"neutral","sentiment_score":0.11419433860906533},{"text":"Yep.","start":1234.595,"end":1235.095,"sentiment":"neutral","sentiment_score":0.04778123646974563},{"text":"One question I do wanna ask you though is just from your own perspective, do you know on, like, a scale of five what risk level you might be?","start":1235.555,"end":1243.63,"sentiment":"neutral","sentiment_score":-0.04491434246301651},{"text":"Yep.","start":1247.77,"end":1248.27,"sentiment":"neutral","sentiment_score":-0.04146159440279007}],"sentiment":"neutral","sentiment_score":0.036743714660406115,"num_words":60,"start":1224.76,"end":1248.27},{"sentences":[{"text":"Yep.","start":1254.505,"end":1255.005,"sentiment":"neutral","sentiment_score":0.11814786493778227},{"text":"Perfect.","start":1255.065,"end":1255.565,"sentiment":"neutral","sentiment_score":0.32162758708000183},{"text":"And, look, I know retirement's, like, thirty years away.","start":1255.7849,"end":1258.5249,"sentiment":"neutral","sentiment_score":0.13584472197625372},{"text":"We did have that goal there for you guys to try and retire a little bit earlier towards the age of 60 when you can access your super rather than, like, 67 with the age pension.","start":1258.985,"end":1267.4299,"sentiment":"neutral","sentiment_score":0.22744538883368173},{"text":"Is that still sounds about right for you too?","start":1267.4299,"end":1269.7699,"sentiment":"neutral","sentiment_score":0.21815968801577887}],"sentiment":"neutral","sentiment_score":0.21096159178497537,"num_words":56,"start":1254.505,"end":1269.7699},{"sentences":[{"text":"Yep.","start":1270.95,"end":1271.4299,"sentiment":"neutral","sentiment_score":0.18270650506019592},{"text":"Perfect.","start":1271.4299,"end":1271.9299,"sentiment":"neutral","sentiment_score":0.03992057591676712},{"text":"The reason why I asked that question is because when I looked at your portfolio before this call, I did notice it was quite aggressive to the point where it's pretty much all in growth assets.","start":1272.3099,"end":1283.215,"sentiment":"neutral","sentiment_score":0.033130499741269484},{"text":"So it's pretty much all in shares, property, gold, and so on.","start":1283.355,"end":1286.975,"sentiment":"neutral","sentiment_score":0.06008231391509374},{"text":"Quite aggressive.","start":1287.755,"end":1288.655,"sentiment":"neutral","sentiment_score":0.1737632155418396}],"sentiment":"neutral","sentiment_score":0.04776613980245132,"num_words":52,"start":1270.95,"end":1288.655},{"sentences":[{"text":"It had quite a lot of growth last year, jumped from, I think, 83,000 to 102,000.","start":1289.035,"end":1295.135,"sentiment":"neutral","sentiment_score":0.11283300537616014},{"text":"Lo and behold, after a 30% increase, the markets have been tumbling down since Christmas, and it's sitting at a 104,000 at the moment.","start":1295.49,"end":1304.15,"sentiment":"neutral","sentiment_score":-0.33068562112748623},{"text":"So this is kind of that roller coaster that we talk about when we talk about going into a high growth risk category.","start":1304.37,"end":1313.015,"sentiment":"neutral","sentiment_score":-0.13418357495380484},{"text":"Yeah.","start":1339.745,"end":1340.0651,"sentiment":"neutral","sentiment_score":-0.009024137631058691},{"text":"I guess the way I would explain it too is we always talk about, like, market cycles, and it's on average, like, every seven years that the stock markets grow for five or six years, and then there's some sort of event.","start":1340.0651,"end":1352.0801,"sentiment":"neutral","sentiment_score":-0.031973036316533886}],"sentiment":"neutral","sentiment_score":-0.09970981799909528,"num_words":106,"start":1289.035,"end":1352.0801},{"sentences":[{"text":"There's a global financial crisis, a COVID, a war somewhere, and the markets take a bit of a tumble, and that tends to repeat every seven years or so.","start":1352.0801,"end":1361.985,"sentiment":"neutral","sentiment_score":-0.16193207995644932},{"text":"So the main plan, I guess, for you guys is your contributions go in.","start":1362.225,"end":1366.3049,"sentiment":"neutral","sentiment_score":0.07546954761658396},{"text":"You get to continuously buy up all these assets and repeat those cycles.","start":1366.3049,"end":1370.465,"sentiment":"neutral","sentiment_score":0.10982646535222347},{"text":"So when it goes down, you get to buy a few more properties for a cheaper price.","start":1370.465,"end":1374.325,"sentiment":"neutral","sentiment_score":0.10101178069325055},{"text":"You probably don't wanna still be aggressive at the age of 59, though, because you probably don't wanna lose half your super a year before you go to live on it with the stock market crash.","start":1374.545,"end":1383.91,"sentiment":"neutral","sentiment_score":-0.23553242493006918}],"sentiment":"neutral","sentiment_score":-0.08232733603874477,"num_words":109,"start":1352.0801,"end":1383.91},{"sentences":[{"text":"Does that make sense?","start":1383.91,"end":1384.89,"sentiment":"neutral","sentiment_score":-0.017167961224913597},{"text":"Yep.","start":1385.75,"end":1386.25,"sentiment":"neutral","sentiment_score":0.07316599041223526},{"text":"So one thing that we do keep an eye on is even though you're in high risk, that doesn't mean that we're being sort of, how do you say, excessive with the risk level, anything too crazy.","start":1386.4701,"end":1397.575,"sentiment":"neutral","sentiment_score":-0.09207746195229324},{"text":"Most of the options have been doing really well.","start":1399.715,"end":1401.7949,"sentiment":"positive","sentiment_score":0.460954444275962},{"text":"So overall, most of your options have been having some pretty good growth.","start":1401.7949,"end":1405.495,"sentiment":"positive","sentiment_score":0.676808435183305}],"sentiment":"neutral","sentiment_score":0.14913637045538053,"num_words":64,"start":1383.91,"end":1405.495},{"sentences":[{"text":"You've got about eight or nine options in there.","start":1406.3099,"end":1408.57,"sentiment":"positive","sentiment_score":0.39875875247849357},{"text":"Even your I don't know if your partner talks about gold and silver and that kind of thing.","start":1408.7899,"end":1412.71,"sentiment":"neutral","sentiment_score":0.0034159275754872295},{"text":"Does he mention that much?","start":1412.71,"end":1414.01,"sentiment":"neutral","sentiment_score":-0.010164838656783104},{"text":"Yeah.","start":1422.325,"end":1422.565,"sentiment":"neutral","sentiment_score":0.049044542014598846},{"text":"It's something that holds its value long very, very long term over hundreds of years, but sometimes you have these scenarios where the world goes crazy.","start":1422.565,"end":1430.505,"sentiment":"neutral","sentiment_score":0.010570703074336052}],"sentiment":"neutral","sentiment_score":0.06649786605641751,"num_words":59,"start":1406.3099,"end":1430.505},{"sentences":[{"text":"And towards the end of last year, gold and silver went up, like, 500%.","start":1430.88,"end":1434.9,"sentiment":"neutral","sentiment_score":0.18040120974183083},{"text":"Everyone's super got a nice little bonus out of that because we had you in a little bit of that, and then it's kind of dropping down after Christmas as well.","start":1435.4401,"end":1443.6,"sentiment":"neutral","sentiment_score":0.2526456696852561},{"text":"So everything's looking pretty good.","start":1443.6,"end":1445.285,"sentiment":"positive","sentiment_score":0.43473138809204104},{"text":"There is one option that kind of concerns me a little bit, and it's essentially a a Benelon option that has your Australian shares.","start":1445.285,"end":1453.685,"sentiment":"neutral","sentiment_score":-0.07676254414642851},{"text":"So think of it as, like, your Commonwealth Bank, Rio Tinto, all the companies that you own in Australia as kind of underperforming a little bit.","start":1453.685,"end":1462.1001,"sentiment":"neutral","sentiment_score":-0.10734488256275654}],"sentiment":"neutral","sentiment_score":0.07898021630942821,"num_words":100,"start":1430.88,"end":1462.1001},{"sentences":[{"text":"So so one thing that I might do is if you're comfortable with that long term view, the long term risk level is I might just find a better alternative to switch them out like for like.","start":1464.4801,"end":1475.4551,"sentiment":"neutral","sentiment_score":-0.07179413161970474},{"text":"Cool.","start":1477.515,"end":1478.015,"sentiment":"neutral","sentiment_score":0.24244895577430725},{"text":"Everything else will pretty much remain the same.","start":1478.3151,"end":1480.235,"sentiment":"neutral","sentiment_score":0.21693100035190582},{"text":"I'll look to update that one option.","start":1480.235,"end":1482.175,"sentiment":"neutral","sentiment_score":0.10705676355532237},{"text":"We've already sent you through.","start":1483.32,"end":1484.9199,"sentiment":"neutral","sentiment_score":0.0915528491139412}],"sentiment":"neutral","sentiment_score":0.009115097915817952,"num_words":58,"start":1464.4801,"end":1484.9199},{"sentences":[{"text":"Did you get an email from us about an ROA record of advice for a bit of a change that we made?","start":1484.9199,"end":1491.5,"sentiment":"neutral","sentiment_score":0.057439432394775475},{"text":"It'll be just before the Clearview one.","start":1512.23,"end":1513.99,"sentiment":"neutral","sentiment_score":0.025170940639717237},{"text":"I'm actually just gonna quickly scroll back.","start":1513.99,"end":1516.47,"sentiment":"neutral","sentiment_score":0.023502781188913753},{"text":"You would have received it, I think, on the March 13.","start":1516.47,"end":1519.45,"sentiment":"neutral","sentiment_score":0.009566750758412209},{"text":"I can imagine.","start":1527.185,"end":1528.005,"sentiment":"neutral","sentiment_score":-0.06545319159825642}],"sentiment":"neutral","sentiment_score":0.03026516498066485,"num_words":50,"start":1484.9199,"end":1528.005},{"sentences":[{"text":"That's fair.","start":1528.2251,"end":1529.125,"sentiment":"neutral","sentiment_score":0.006173508474603295},{"text":"No worries.","start":1529.425,"end":1530.165,"sentiment":"neutral","sentiment_score":0.04070276953279972},{"text":"And the subject heading should be Netwealth portfolio update record of advice.","start":1544.495,"end":1550.4349,"sentiment":"neutral","sentiment_score":0.025454589320967596},{"text":"No.","start":1553.855,"end":1554.095,"sentiment":"neutral","sentiment_score":-0.03904179111123085},{"text":"That's okay.","start":1554.095,"end":1554.835,"sentiment":"neutral","sentiment_score":-0.004715349525213242}],"sentiment":"neutral","sentiment_score":0.0184597440897242,"num_words":19,"start":1528.2251,"end":1554.835},{"sentences":[{"text":"What that's basically saying is that we had flagged this one option around Christmas time.","start":1554.975,"end":1561.74,"sentiment":"neutral","sentiment_score":0.0103883462647597},{"text":"And, normally, whenever we change your investments, we go through, like, a statement of advice.","start":1561.7999,"end":1566.12,"sentiment":"neutral","sentiment_score":0.03798389161626498},{"text":"I give you a a new document, and we walk through and talk about, we think we should change to this.","start":1566.12,"end":1571.625,"sentiment":"neutral","sentiment_score":0.05443278150189491},{"text":"Are you comfortable with the reasons we've given?","start":1571.705,"end":1573.865,"sentiment":"neutral","sentiment_score":0.0351925459690392},{"text":"And then we can go ahead and do that.","start":1573.865,"end":1575.805,"sentiment":"neutral","sentiment_score":0.08482940908935335}],"sentiment":"neutral","sentiment_score":0.042848191607524365,"num_words":68,"start":1554.975,"end":1575.805},{"sentences":[{"text":"In this case, because of everything that was going on in the world, we've actually just kind of done a blanket rule across all clients to make that change straight away before it goes too crazy.","start":1576.025,"end":1585.965,"sentiment":"neutral","sentiment_score":0.047476253058347434},{"text":"Cool.","start":1588.2001,"end":1588.68,"sentiment":"positive","sentiment_score":0.6020606160163879},{"text":"So the portfolio is pretty well updated.","start":1588.68,"end":1590.86,"sentiment":"positive","sentiment_score":0.6907131331307548},{"text":"You should see the performance change pretty well throughout the year.","start":1591.4,"end":1594.28,"sentiment":"positive","sentiment_score":0.6846534013748169},{"text":"So once the market starts going up, you and your partner should see that reflected in your balance as well.","start":1594.28,"end":1599.885,"sentiment":"positive","sentiment_score":0.4768137201666832}],"sentiment":"neutral","sentiment_score":0.32284879301985103,"num_words":75,"start":1576.025,"end":1599.885},{"sentences":[{"text":"Perfect.","start":1601.805,"end":1602.285,"sentiment":"positive","sentiment_score":0.5245551466941833},{"text":"So at this point, I'm pretty much gonna look at bumping up the income protection, get you a little bit of a trauma quote, and just remind you guys to get a will at some point as well.","start":1602.285,"end":1611.025,"sentiment":"neutral","sentiment_score":0.21263951612146278},{"text":"Is there anything else that you would like to talk about in this review?","start":1611.165,"end":1614.9451,"sentiment":"neutral","sentiment_score":0.0668292436748743},{"text":"Yep.","start":1624.03,"end":1624.53,"sentiment":"neutral","sentiment_score":0.1036166399717331},{"text":"No.","start":1627.725,"end":1627.965,"sentiment":"neutral","sentiment_score":0.05918159335851669}],"sentiment":"neutral","sentiment_score":0.17642298916524107,"num_words":55,"start":1601.805,"end":1627.965},{"sentences":[{"text":"That's totally fine.","start":1627.965,"end":1628.845,"sentiment":"neutral","sentiment_score":0.14375845591227213},{"text":"What I'll do is I'll include the information in there.","start":1628.845,"end":1631.505,"sentiment":"neutral","sentiment_score":0.13328347280621528},{"text":"And at the bottom of the document when we walk through it, there'll be a signature box, and you can pretty much say, I would like to go ahead with both of them, one of them, whatever you prefer.","start":1631.645,"end":1641.905,"sentiment":"neutral","sentiment_score":0.17064651655845153},{"text":"Awesome.","start":1644.5801,"end":1644.98,"sentiment":"positive","sentiment_score":0.7558544874191284},{"text":"Anything else for me before I let you go, Danielle?","start":1644.98,"end":1647.0,"sentiment":"neutral","sentiment_score":0.2908467188477516}],"sentiment":"neutral","sentiment_score":0.19180390345198767,"num_words":63,"start":1627.965,"end":1647.0},{"sentences":[{"text":"Amazing.","start":1649.86,"end":1650.36,"sentiment":"positive","sentiment_score":0.7324641942977905},{"text":"I will send you through an annual review pack tomorrow, and that'll just have, like, your updated service agreement, a financial services guide, all of your reports, and everything attached.","start":1650.5,"end":1660.585,"sentiment":"positive","sentiment_score":0.38677485237518944},{"text":"So if you could have a look at that email tomorrow, that would be amazing.","start":1660.585,"end":1663.485,"sentiment":"positive","sentiment_score":0.5180804312229157},{"text":"Awesome.","start":1665.705,"end":1666.105,"sentiment":"positive","sentiment_score":0.7872672080993652},{"text":"Have a great night.","start":1666.105,"end":1666.745,"sentiment":"positive","sentiment_score":0.7598843425512314}],"sentiment":"positive","sentiment_score":0.4692886433765,"num_words":51,"start":1649.86,"end":1666.745},{"sentences":[{"text":"Thank you so much for your time.","start":1666.745,"end":1668.205,"sentiment":"positive","sentiment_score":0.8321844679968697},{"text":"Bye.","start":1669.625,"end":1670.125,"sentiment":"neutral","sentiment_score":-0.09241829067468645}],"sentiment":"positive","sentiment_score":0.7166091231629252,"num_words":8,"start":1666.745,"end":1670.125}]}}]},{"alternatives":[{"transcript":"Hi. If you record your name and reason for calling, I'll see if this person is available. Oh, hi. How are you? Good. I literally turned on that new feature to screen calls, so when the number's not saved yesterday, so I don't know what's what's going on or what's happening or how it works. So yeah. Sorry. Okay. Wow. Okay. Oh, have fun. Yeah. Yeah. Absolutely. Yes. 03/04/1991, and address is 1 Barrier Place, Mount Barker. Mhmm. Sure. Yep. Sounds good. I think one of the things I did just wanna confirm is I just squared away my life insurance through Clearview, I think. I I didn't have a beneficiary set up on that. So I just wanted to make sure, like, my annual salary is reflective of what's on file your end and those sort of things. I just go through that sort of detail. But yeah. Yes. I'm on my base is basically $1.30 now. Yeah. Thank you. So it changed over the years. But, yes, I I don't think I've ever updated that. Yeah. Yeah. So good news. It's technically kind of yes. Well, formal title is HSE advisor, so a bit of a promotion there. So yeah. It's when I explain it to people, it's easy to say I'm a safety officer to some people, but it is more of a hybrid role, more of a support role, supporting safety officers and just more corporate, I guess. So yes. Yep. No. I don't. I am I support and train, but I don't manage anyone. Yes. I've done my diploma of work health and safety. And I don't know if I would have included it. I did my cert four work health safety and then did my diploma of work health safety. Okay. Yep. Sure. Sarah Constructions. It's kind of. Yeah. We are saving for a wedding, so it's a lot of it's going to that. Yes. I went to Bali. I think it was the year before last. We went to Europe last year for yeah. It was a month over there. My car's been paid off now, so that's nice. But yeah. So A lot of it is in the offset. Give me one sec. That is a good question. Why is it not working? It has. We had yeah. We've had a we had a real estate agent come out or we had three come out within the last, say, six months just to get different perspectives, and one of them came back recently. We're we're not looking to sell. We just kind of wanted to get an idea of what the market is actually doing and what we had in equity. And then one of them came back within the last two, three weeks to say that based on recent sales, would now be looking closer to the home being 900,000. So mhmm. Yep. Mhmm. So, yeah, that's that's been good. Yep. Yes. Yep. It is. Why can't I log in? Sorry. I'm just trying to get into my Westpac, and it's just not I don't wanna come back. I wanna get in now. I'm just double checking. I'm not trying to put in the wrong password. Yes, sir. I was. How silly. Okay. And let's go back to mhmm. Sorry. Sorry. I just I love when it's trying to make me doing a password. Yeah. It's just it's always when you just want something immediately, which is good. I love the security, but, like, sometimes you just wanna get in and be like, cool. Next time. That's that's probably why they do it. Yes. Okay. Yep. Sorry. Change my password. Now let me oh my gosh. Wow. Okay. Sorry. Yes. I'm so sorry. That took quite too long. Okay. So in the shared offset, there's 73, and the home loan is down, yeah, $3.16 currently. Yeah. I'm sorry. I feel like it is just like, it heavily, it's my partner as well that's putting, like, most of the contributions into that. But it is at the minute, our focus is just, like, yeah, focusing on the wedding. And then we wouldn't mind doing a few things around the house as well just to sort of make it a little bit nicer. I mean, it's still lovely, but, yeah, just making it a little bit nicer. But then yeah. Long term, we would like to, obviously, upgrade the house. So Not really. We're kind of, yeah, on the fence at the minute with that sort of thing. Like, we're just we don't know. We might wanna get a landscaper in and get them to do the backyard, but we'll go from there. I think so. Yes. Yep. I think that is it. My partner may he's always wanted an investment, so he could go to an investment property. But, yeah, we will see. Exactly right. Mhmm. Okay. Yep. Sounds good. Thank you. Oh, wow. Oh, wow. Yep. Mhmm. Yep. Yes, please. Mhmm. I think yeah. Like, they're having great. I think it'd be better just to double check and just, yeah, see if there's a better option, but otherwise, I am happy with Clavie. Okay. Yep. Perfect. Maybe just keep it as is for now. Yeah. Yep. That's exactly right. Yep. No. Okay. Heck. What would that be if it was paid out right? Yep. Yep. I don't know. I don't know. I'm just conscious of my not to just keep doing it. Adding to the bills and expenses. You know? But I suppose I don't know. I feel like I'd need to know what it yeah. Yep. Sounds good. Let's do that. No. We haven't. Mhmm. Yes. Mhmm. No. Yeah. I've got it on the app, and I just go and have a little look and just see how it's going. I'll be honest. I don't actually have. My partner talks me through it. It's not my field of knowledge. But, yeah, he just normally talks me through what's going on and settles any nerves I've got with it. Yes. Yep. I do know that we have got it set in in a higher risk just because we've got longer till we retire so that there's more opportunity there. Mhmm. It does. Yes. Yeah. Yeah. And, obviously, everything that's going on across the world, it does obviously bring in a little bit of nerve there, but I suppose it's all the, like because swings and roundabouts with it, really. Like, it's just sort of like, this is sort of how it goes, and I just kind of my partner just says to hang on and just say we will be it'll sort itself out. It'll balance itself out long term. So Mhmm. Okay. No. Yep. Yep. That's fine. Yep. Okay. A little bit. Not hate, but my understanding is sort of because it generally holds its value. Mhmm. Okay. Okay. I'm happy with that. Yeah. Bear with me one sec. My I should have a Respondents. Yes. Say yes. From Clearview. Okay. Bear me two secs. Sorry. The amount of emails I'm getting lately is why Fifteen, fourteen, 13. Yes. Sorry. Yes. I did get this. Okay. Yep. That's fine. Awesome. Thank you. Sure. No. That that's been everything. I think the trauma insurance, I'll I'll sit on that for the minute, but I just I I do wanna know what it would be. But, yeah, everything else sounds good. Yep. Perfect. Sounds good. Thank you. No. That was all. Thank you for your help. Mhmm. I'll do that for you. Thank you. You too. 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If you record your name and reason for calling, I'll see if this person is available. Oh, hi. How are you? Good.\n\nI literally turned on that new feature to screen calls, so when the number's not saved yesterday, so I don't know what's what's going on or what's happening or how it works. So yeah. Sorry. Okay. Wow.\n\nOkay. Oh, have fun. Yeah. Yeah. Absolutely.\n\nYes. 03/04/1991, and address is 1 Barrier Place, Mount Barker. Mhmm. Sure. Yep.\n\nSounds good. I think one of the things I did just wanna confirm is I just squared away my life insurance through Clearview, I think. I I didn't have a beneficiary set up on that. So I just wanted to make sure, like, my annual salary is reflective of what's on file your end and those sort of things. I just go through that sort of detail.\n\nBut yeah. Yes. I'm on my base is basically $1.30 now. Yeah. Thank you.\n\nSo it changed over the years. But, yes, I I don't think I've ever updated that. Yeah. Yeah. So good news.\n\nIt's technically kind of yes. Well, formal title is HSE advisor, so a bit of a promotion there. So yeah. It's when I explain it to people, it's easy to say I'm a safety officer to some people, but it is more of a hybrid role, more of a support role, supporting safety officers and just more corporate, I guess. So yes.\n\nYep. No. I don't. I am I support and train, but I don't manage anyone. Yes.\n\nI've done my diploma of work health and safety. And I don't know if I would have included it. I did my cert four work health safety and then did my diploma of work health safety. Okay. Yep.\n\nSure. Sarah Constructions. It's kind of. Yeah. We are saving for a wedding, so it's a lot of it's going to that.\n\nYes. I went to Bali. I think it was the year before last. We went to Europe last year for yeah. It was a month over there.\n\nMy car's been paid off now, so that's nice. But yeah. So A lot of it is in the offset. Give me one sec. That is a good question.\n\nWhy is it not working? It has. We had yeah. We've had a we had a real estate agent come out or we had three come out within the last, say, six months just to get different perspectives, and one of them came back recently. We're we're not looking to sell.\n\nWe just kind of wanted to get an idea of what the market is actually doing and what we had in equity. And then one of them came back within the last two, three weeks to say that based on recent sales, would now be looking closer to the home being 900,000. So mhmm. Yep. Mhmm.\n\nSo, yeah, that's that's been good. Yep. Yes. Yep. It is.\n\nWhy can't I log in? Sorry. I'm just trying to get into my Westpac, and it's just not I don't wanna come back. I wanna get in now. I'm just double checking.\n\nI'm not trying to put in the wrong password. Yes, sir. I was. How silly. Okay.\n\nAnd let's go back to mhmm. Sorry. Sorry. I just I love when it's trying to make me doing a password. Yeah.\n\nIt's just it's always when you just want something immediately, which is good. I love the security, but, like, sometimes you just wanna get in and be like, cool. Next time. That's that's probably why they do it. Yes.\n\nOkay. Yep. Sorry. Change my password. Now let me oh my gosh.\n\nWow. Okay. Sorry. Yes. I'm so sorry.\n\nThat took quite too long. Okay. So in the shared offset, there's 73, and the home loan is down, yeah, $3.16 currently. Yeah. I'm sorry.\n\nI feel like it is just like, it heavily, it's my partner as well that's putting, like, most of the contributions into that. But it is at the minute, our focus is just, like, yeah, focusing on the wedding. And then we wouldn't mind doing a few things around the house as well just to sort of make it a little bit nicer. I mean, it's still lovely, but, yeah, just making it a little bit nicer. But then yeah.\n\nLong term, we would like to, obviously, upgrade the house. So Not really. We're kind of, yeah, on the fence at the minute with that sort of thing. Like, we're just we don't know. We might wanna get a landscaper in and get them to do the backyard, but we'll go from there.\n\nI think so. Yes. Yep. I think that is it. My partner may he's always wanted an investment, so he could go to an investment property.\n\nBut, yeah, we will see. Exactly right. Mhmm. Okay. Yep.\n\nSounds good. Thank you. Oh, wow. Oh, wow. Yep.\n\nMhmm. Yep. Yes, please. Mhmm. I think yeah.\n\nLike, they're having great. I think it'd be better just to double check and just, yeah, see if there's a better option, but otherwise, I am happy with Clavie. Okay. Yep. Perfect.\n\nMaybe just keep it as is for now. Yeah. Yep. That's exactly right. Yep.\n\nNo. Okay. Heck. What would that be if it was paid out right? Yep.\n\nYep. I don't know. I don't know. I'm just conscious of my not to just keep doing it. Adding to the bills and expenses.\n\nYou know? But I suppose I don't know. I feel like I'd need to know what it yeah. Yep. Sounds good.\n\nLet's do that. No. We haven't. Mhmm. Yes.\n\nMhmm. No. Yeah. I've got it on the app, and I just go and have a little look and just see how it's going. I'll be honest.\n\nI don't actually have. My partner talks me through it. It's not my field of knowledge. But, yeah, he just normally talks me through what's going on and settles any nerves I've got with it. Yes.\n\nYep. I do know that we have got it set in in a higher risk just because we've got longer till we retire so that there's more opportunity there. Mhmm. It does. Yes.\n\nYeah. Yeah. And, obviously, everything that's going on across the world, it does obviously bring in a little bit of nerve there, but I suppose it's all the, like because swings and roundabouts with it, really. Like, it's just sort of like, this is sort of how it goes, and I just kind of my partner just says to hang on and just say we will be it'll sort itself out. It'll balance itself out long term.\n\nSo Mhmm. Okay. No. Yep. Yep.\n\nThat's fine. Yep. Okay. A little bit. Not hate, but my understanding is sort of because it generally holds its value.\n\nMhmm. Okay. Okay. I'm happy with that. Yeah.\n\nBear with me one sec. My I should have a Respondents. Yes. Say yes. From Clearview.\n\nOkay. Bear me two secs. Sorry. The amount of emails I'm getting lately is why Fifteen, fourteen, 13. Yes.\n\nSorry. Yes. I did get this. Okay. Yep.\n\nThat's fine. Awesome. Thank you. Sure. No.\n\nThat that's been everything. I think the trauma insurance, I'll I'll sit on that for the minute, but I just I I do wanna know what it would be. But, yeah, everything else sounds good. Yep. Perfect.\n\nSounds good. Thank you. No. That was all. Thank you for your help.\n\nMhmm. I'll do that for you. Thank you. You too. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.48,"end":0.96,"sentiment":"neutral","sentiment_score":0.03344064950942993},{"text":"If you record your name and reason for calling, I'll see if this person is available.","start":0.96,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.019000179949216545},{"text":"Oh, hi.","start":10.559999,"end":12.639999,"sentiment":"neutral","sentiment_score":0.12574505060911179},{"text":"How are you?","start":12.639999,"end":13.46,"sentiment":"neutral","sentiment_score":0.2202000468969345},{"text":"Good.","start":15.425,"end":15.925,"sentiment":"positive","sentiment_score":0.4192195534706116}],"sentiment":"neutral","sentiment_score":0.07255449235115362,"num_words":23,"start":0.48,"end":15.925},{"sentences":[{"text":"I literally turned on that new feature to screen calls, so when the number's not saved yesterday, so I don't know what's what's going on or what's happening or how it 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Constructions.","start":295.925,"end":296.985,"sentiment":"neutral","sentiment_score":0.021185853518545628},{"text":"It's kind of.","start":316.37003,"end":319.30502,"sentiment":"neutral","sentiment_score":0.04435451701283455},{"text":"Yeah.","start":319.30502,"end":319.625,"sentiment":"neutral","sentiment_score":0.17098456621170044},{"text":"We are saving for a wedding, so it's a lot of it's going to that.","start":319.625,"end":323.80502,"sentiment":"neutral","sentiment_score":0.20078207949797314}],"sentiment":"neutral","sentiment_score":0.15851504211737352,"num_words":22,"start":287.62003,"end":323.80502},{"sentences":[{"text":"Yes.","start":335.27,"end":335.66998,"sentiment":"neutral","sentiment_score":0.09426179528236388},{"text":"I went to Bali.","start":335.66998,"end":337.03,"sentiment":"neutral","sentiment_score":0.10698639415204525},{"text":"I think it was the year before last.","start":337.03,"end":338.71,"sentiment":"neutral","sentiment_score":0.08285892009735107},{"text":"We went to Europe last year for yeah.","start":338.71,"end":343.50998,"sentiment":"neutral","sentiment_score":0.09248233307152987},{"text":"It was a month over there.","start":343.50998,"end":344.955,"sentiment":"neutral","sentiment_score":0.12618910521268845}],"sentiment":"neutral","sentiment_score":0.09933600105621197,"num_words":27,"start":335.27,"end":344.955},{"sentences":[{"text":"My car's been paid off now, so that's nice.","start":345.51498,"end":348.655,"sentiment":"neutral","sentiment_score":0.24441785944832695},{"text":"But yeah.","start":350.875,"end":351.69498,"sentiment":"neutral","sentiment_score":0.22470545768737793},{"text":"So A lot of it is in the offset.","start":352.31497,"end":365.47998,"sentiment":"neutral","sentiment_score":0.07939246669411659},{"text":"Give me one sec.","start":368.18,"end":371.8,"sentiment":"neutral","sentiment_score":0.06765143107622862},{"text":"That is a good question.","start":371.94,"end":373.755,"sentiment":"neutral","sentiment_score":0.22180525660514833}],"sentiment":"neutral","sentiment_score":0.1635633054478415,"num_words":29,"start":345.51498,"end":373.755},{"sentences":[{"text":"Why is it not working?","start":381.815,"end":383.115,"sentiment":"neutral","sentiment_score":-0.31064048409461975},{"text":"It has.","start":400.31,"end":401.05,"sentiment":"neutral","sentiment_score":-0.0762256607413292},{"text":"We had yeah.","start":402.135,"end":402.775,"sentiment":"neutral","sentiment_score":0.009999759495258331},{"text":"We've had a we had a real estate agent come out or we had three come out within the last, say, six months just to get different perspectives, and one of them came back recently.","start":402.775,"end":416.54,"sentiment":"neutral","sentiment_score":0.000016499230904238566},{"text":"We're we're not looking to sell.","start":416.84,"end":418.12,"sentiment":"neutral","sentiment_score":-0.046661236633857094}],"sentiment":"neutral","sentiment_score":-0.0383342041214015,"num_words":51,"start":381.815,"end":418.12},{"sentences":[{"text":"We just kind of wanted to get an idea of what the market is actually doing and what we had in equity.","start":418.12,"end":423.63998,"sentiment":"neutral","sentiment_score":0.034739168022166596},{"text":"And then one of them came back within the last two, three weeks to say that based on recent sales, would now be looking closer to the home being 900,000.","start":423.63998,"end":435.94498,"sentiment":"neutral","sentiment_score":0.035318674085040885},{"text":"So mhmm.","start":436.32498,"end":439.685,"sentiment":"neutral","sentiment_score":0.11173442751169205},{"text":"Yep.","start":439.685,"end":440.185,"sentiment":"neutral","sentiment_score":0.1489609181880951},{"text":"Mhmm.","start":440.805,"end":441.305,"sentiment":"neutral","sentiment_score":0.15428036451339722}],"sentiment":"neutral","sentiment_score":0.041973786727924435,"num_words":56,"start":418.12,"end":441.305},{"sentences":[{"text":"So, yeah, that's that's been good.","start":441.44498,"end":443.785,"sentiment":"positive","sentiment_score":0.43167081475257874},{"text":"Yep.","start":447.9,"end":448.4,"sentiment":"neutral","sentiment_score":0.08883368968963623},{"text":"Yes.","start":452.22,"end":452.72,"sentiment":"neutral","sentiment_score":0.03691422939300537},{"text":"Yep.","start":452.94,"end":453.44,"sentiment":"neutral","sentiment_score":0.02904393896460533},{"text":"It 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password.","start":663.255,"end":664.21497,"sentiment":"neutral","sentiment_score":0.009953166358172894},{"text":"Now let me oh my gosh.","start":664.21497,"end":666.235,"sentiment":"neutral","sentiment_score":0.0351529261097312}],"sentiment":"neutral","sentiment_score":0.03258464524211983,"num_words":12,"start":642.26,"end":666.235},{"sentences":[{"text":"Wow.","start":681.68,"end":682.125,"sentiment":"neutral","sentiment_score":0.10439302027225494},{"text":"Okay.","start":682.365,"end":682.865,"sentiment":"neutral","sentiment_score":0.06682629138231277},{"text":"Sorry.","start":683.965,"end":684.465,"sentiment":"neutral","sentiment_score":0.09135483205318452},{"text":"Yes.","start":687.405,"end":687.885,"sentiment":"neutral","sentiment_score":0.16458837687969208},{"text":"I'm so 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just like, it heavily, it's my partner as well that's putting, like, most of the contributions into that.","start":738.34503,"end":747.805,"sentiment":"neutral","sentiment_score":0.07224182493012885},{"text":"But it is at the minute, our focus is just, like, yeah, focusing on the wedding.","start":747.945,"end":755.74,"sentiment":"neutral","sentiment_score":0.05051710060797632},{"text":"And then we wouldn't mind doing a few things around the house as well just to sort of make it a little bit nicer.","start":755.74,"end":762.48,"sentiment":"neutral","sentiment_score":0.0933006110911568},{"text":"I mean, it's still lovely, but, yeah, just making it a little bit nicer.","start":763.18,"end":766.32,"sentiment":"neutral","sentiment_score":0.08639216502862317},{"text":"But then 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wow.","start":867.705,"end":868.365,"sentiment":"neutral","sentiment_score":0.14117126539349556},{"text":"Oh, wow.","start":876.57,"end":877.39,"sentiment":"neutral","sentiment_score":0.18059015274047852},{"text":"Yep.","start":880.49,"end":880.99,"sentiment":"neutral","sentiment_score":0.21584224700927737}],"sentiment":"positive","sentiment_score":0.3838541814022594,"num_words":9,"start":846.73,"end":880.99},{"sentences":[{"text":"Mhmm.","start":887.02496,"end":887.52496,"sentiment":"neutral","sentiment_score":0.07820607721805573},{"text":"Yep.","start":898.305,"end":898.805,"sentiment":"neutral","sentiment_score":0.05792723223567009},{"text":"Yes, please.","start":907.07,"end":907.97003,"sentiment":"neutral","sentiment_score":0.09244051575660706},{"text":"Mhmm.","start":918.375,"end":918.875,"sentiment":"neutral","sentiment_score":0.07585231959819794},{"text":"I think yeah.","start":926.08,"end":927.2,"sentiment":"neutral","sentiment_score":0.26629339158535004}],"sentiment":"neutral","sentiment_score":0.1494683544151485,"num_words":8,"start":887.02496,"end":927.2},{"sentences":[{"text":"Like, they're having great.","start":927.2,"end":928.66,"sentiment":"positive","sentiment_score":0.33582119084894657},{"text":"I think it'd be better just to double check and just, yeah, see if there's a better option, but otherwise, I am happy with Clavie.","start":928.88,"end":936.33997,"sentiment":"neutral","sentiment_score":0.01566818341612816},{"text":"Okay.","start":958.92,"end":959.24,"sentiment":"neutral","sentiment_score":0.16879138350486755},{"text":"Yep.","start":959.24,"end":959.74,"sentiment":"neutral","sentiment_score":0.24989478290081024},{"text":"Perfect.","start":959.8,"end":960.3,"sentiment":"positive","sentiment_score":0.5679488182067871}],"sentiment":"neutral","sentiment_score":0.08505076041910797,"num_words":32,"start":927.2,"end":960.3},{"sentences":[{"text":"Maybe just keep it as is for now.","start":982.72003,"end":984.74,"sentiment":"neutral","sentiment_score":0.0654125390574336},{"text":"Yeah.","start":1004.415,"end":1004.89496,"sentiment":"neutral","sentiment_score":0.18609648942947388},{"text":"Yep.","start":1004.89496,"end":1005.295,"sentiment":"neutral","sentiment_score":0.185853511095047},{"text":"That's exactly right.","start":1005.295,"end":1006.595,"sentiment":"positive","sentiment_score":0.3899635076522827},{"text":"Yep.","start":1006.65497,"end":1007.15497,"sentiment":"neutral","sentiment_score":0.2627922594547272}],"sentiment":"neutral","sentiment_score":0.1662809353853975,"num_words":14,"start":982.72003,"end":1007.15497},{"sentences":[{"text":"No.","start":1019.50995,"end":1020.00995,"sentiment":"neutral","sentiment_score":-0.1612001359462738},{"text":"Okay.","start":1057.325,"end":1057.825,"sentiment":"neutral","sentiment_score":0.022160883992910385},{"text":"Heck.","start":1060.125,"end":1060.625,"sentiment":"neutral","sentiment_score":0.02300962805747986},{"text":"What would that be if it was paid out right?","start":1066.2799,"end":1072.0599,"sentiment":"neutral","sentiment_score":0.024357892200350763},{"text":"Yep.","start":1080.1749,"end":1080.6749,"sentiment":"neutral","sentiment_score":0.22047261893749237}],"sentiment":"neutral","sentiment_score":0.02485870836036546,"num_words":14,"start":1019.50995,"end":1080.6749},{"sentences":[{"text":"Yep.","start":1087.9349,"end":1088.4349,"sentiment":"neutral","sentiment_score":0.07317471504211426},{"text":"I don't know.","start":1099.66,"end":1100.7999,"sentiment":"neutral","sentiment_score":-0.14902747174104056},{"text":"I don't know.","start":1107.355,"end":1107.835,"sentiment":"neutral","sentiment_score":-0.1890914042790731},{"text":"I'm just conscious of my not to just keep doing it.","start":1107.835,"end":1113.215,"sentiment":"neutral","sentiment_score":-0.2538894320076162},{"text":"Adding to the bills and expenses.","start":1113.355,"end":1115.355,"sentiment":"neutral","sentiment_score":-0.17752871165672937}],"sentiment":"neutral","sentiment_score":-0.19996408062676588,"num_words":24,"start":1087.9349,"end":1115.355},{"sentences":[{"text":"You know?","start":1115.355,"end":1116.015,"sentiment":"neutral","sentiment_score":-0.07217808812856674},{"text":"But I suppose I don't know.","start":1116.475,"end":1121.1901,"sentiment":"neutral","sentiment_score":-0.09075288536647956},{"text":"I feel like I'd need to know what it yeah.","start":1121.25,"end":1123.5901,"sentiment":"neutral","sentiment_score":-0.10139566510915757},{"text":"Yep.","start":1141.605,"end":1142.105,"sentiment":"neutral","sentiment_score":0.24508976936340332},{"text":"Sounds good.","start":1142.165,"end":1142.725,"sentiment":"positive","sentiment_score":0.4168662577867508}],"sentiment":"neutral","sentiment_score":-0.029714659743365786,"num_words":21,"start":1115.355,"end":1142.725},{"sentences":[{"text":"Let's do that.","start":1142.725,"end":1143.625,"sentiment":"positive","sentiment_score":0.39353657762209576},{"text":"No.","start":1154.93,"end":1155.25,"sentiment":"neutral","sentiment_score":-0.1083284541964531},{"text":"We haven't.","start":1155.25,"end":1155.99,"sentiment":"neutral","sentiment_score":-0.09584173560142517},{"text":"Mhmm.","start":1160.37,"end":1160.87,"sentiment":"neutral","sentiment_score":0.04267427325248718},{"text":"Yes.","start":1161.09,"end":1161.59,"sentiment":"neutral","sentiment_score":0.043337106704711914}],"sentiment":"neutral","sentiment_score":0.12082614842802286,"num_words":8,"start":1142.725,"end":1161.59},{"sentences":[{"text":"Mhmm.","start":1170.135,"end":1170.635,"sentiment":"neutral","sentiment_score":-0.001969936303794384},{"text":"No.","start":1182.96,"end":1183.46,"sentiment":"neutral","sentiment_score":-0.11628586053848268},{"text":"Yeah.","start":1201.255,"end":1201.575,"sentiment":"neutral","sentiment_score":0.0550190731883049},{"text":"I've got it on the app, and I just go and have a little look and just see how it's going.","start":1201.575,"end":1206.695,"sentiment":"neutral","sentiment_score":0.1026443580076808},{"text":"I'll be honest.","start":1206.695,"end":1207.335,"sentiment":"neutral","sentiment_score":-0.009599613646666208}],"sentiment":"neutral","sentiment_score":0.07642577605804911,"num_words":27,"start":1170.135,"end":1207.335},{"sentences":[{"text":"I don't actually have.","start":1207.335,"end":1208.635,"sentiment":"neutral","sentiment_score":-0.10388925857841969},{"text":"My partner talks me through it.","start":1208.96,"end":1210.58,"sentiment":"neutral","sentiment_score":-0.056847953548034034},{"text":"It's not my field of knowledge.","start":1211.12,"end":1216.66,"sentiment":"neutral","sentiment_score":-0.07399869958559673},{"text":"But, yeah, he just normally talks me through what's going on and settles any nerves I've got with it.","start":1217.52,"end":1225.035,"sentiment":"neutral","sentiment_score":0.008822382721853884},{"text":"Yes.","start":1233.655,"end":1234.155,"sentiment":"neutral","sentiment_score":0.09311431646347046}],"sentiment":"neutral","sentiment_score":-0.026108260137132473,"num_words":36,"start":1207.335,"end":1234.155},{"sentences":[{"text":"Yep.","start":1234.215,"end":1234.715,"sentiment":"neutral","sentiment_score":0.06773103773593903},{"text":"I do know that we have got it set in in a higher risk just because we've got longer till we retire so that there's more opportunity there.","start":1243.9299,"end":1253.865,"sentiment":"neutral","sentiment_score":-0.053112185593428354},{"text":"Mhmm.","start":1269.24,"end":1269.74,"sentiment":"neutral","sentiment_score":0.1383315771818161},{"text":"It does.","start":1269.9601,"end":1270.6,"sentiment":"neutral","sentiment_score":0.19898991286754608},{"text":"Yes.","start":1270.6,"end":1271.1,"sentiment":"neutral","sentiment_score":0.16695766150951383}],"sentiment":"neutral","sentiment_score":-0.02170124528647372,"num_words":33,"start":1234.215,"end":1271.1},{"sentences":[{"text":"Yeah.","start":1304.59,"end":1305.09,"sentiment":"neutral","sentiment_score":-0.1000744104385376},{"text":"Yeah.","start":1311.4149,"end":1311.9149,"sentiment":"neutral","sentiment_score":-0.1266796886920929},{"text":"And, obviously, everything that's going on across the world, it does obviously bring in a little bit of nerve there, but I suppose it's all the, like because swings and roundabouts with it, really.","start":1313.495,"end":1327.61,"sentiment":"neutral","sentiment_score":-0.20959091055042603},{"text":"Like, it's just sort of like, this is sort of how it goes, and I just kind of my partner just says to hang on and just say we will be it'll sort itself out.","start":1327.61,"end":1336.6849,"sentiment":"neutral","sentiment_score":-0.10297030061483384},{"text":"It'll balance itself out long term.","start":1336.6849,"end":1338.605,"sentiment":"neutral","sentiment_score":-0.04284610537191232}],"sentiment":"neutral","sentiment_score":-0.14563483391682824,"num_words":77,"start":1304.59,"end":1338.605},{"sentences":[{"text":"So Mhmm.","start":1338.605,"end":1350.6901,"sentiment":"neutral","sentiment_score":-0.01660875231027603},{"text":"Okay.","start":1363.15,"end":1363.65,"sentiment":"neutral","sentiment_score":0.02111213095486164},{"text":"No.","start":1379.64,"end":1380.14,"sentiment":"neutral","sentiment_score":-0.2568468451499939},{"text":"Yep.","start":1383.0801,"end":1383.5801,"sentiment":"neutral","sentiment_score":-0.13149844110012054},{"text":"Yep.","start":1384.92,"end":1385.4,"sentiment":"neutral","sentiment_score":0.0856434553861618}],"sentiment":"neutral","sentiment_score":-0.052467867421607174,"num_words":6,"start":1338.605,"end":1385.4},{"sentences":[{"text":"That's fine.","start":1385.4,"end":1386.2001,"sentiment":"neutral","sentiment_score":0.1488429792225361},{"text":"Yep.","start":1386.2001,"end":1386.7001,"sentiment":"neutral","sentiment_score":0.05871037766337395},{"text":"Okay.","start":1398.345,"end":1398.845,"sentiment":"neutral","sentiment_score":0.21530187129974365},{"text":"A little bit.","start":1414.37,"end":1415.1901,"sentiment":"neutral","sentiment_score":-0.005002304911613464},{"text":"Not hate, but my understanding is sort of because it generally holds its value.","start":1416.6901,"end":1421.43,"sentiment":"neutral","sentiment_score":-0.025798337001885687}],"sentiment":"neutral","sentiment_score":0.009310217840330941,"num_words":21,"start":1385.4,"end":1421.43},{"sentences":[{"text":"Mhmm.","start":1459.87,"end":1460.37,"sentiment":"neutral","sentiment_score":-0.13421189785003662},{"text":"Okay.","start":1463.7899,"end":1464.2899,"sentiment":"neutral","sentiment_score":-0.03822990506887436},{"text":"Okay.","start":1464.59,"end":1465.09,"sentiment":"neutral","sentiment_score":-0.03632017970085144},{"text":"I'm happy with that.","start":1475.895,"end":1476.775,"sentiment":"neutral","sentiment_score":0.1935073547065258},{"text":"Yeah.","start":1476.775,"end":1477.275,"sentiment":"neutral","sentiment_score":0.13964614272117615}],"sentiment":"neutral","sentiment_score":0.08811419736593962,"num_words":8,"start":1459.87,"end":1477.275},{"sentences":[{"text":"Bear with me one sec.","start":1495.03,"end":1496.79,"sentiment":"neutral","sentiment_score":0.008232210762798786},{"text":"My I should have a Respondents.","start":1496.79,"end":1507.8049,"sentiment":"neutral","sentiment_score":0.03602670102069775},{"text":"Yes.","start":1508.345,"end":1508.585,"sentiment":"neutral","sentiment_score":0.06172694265842438},{"text":"Say yes.","start":1508.585,"end":1509.965,"sentiment":"neutral","sentiment_score":0.05438743904232979},{"text":"From Clearview.","start":1510.105,"end":1510.9249,"sentiment":"neutral","sentiment_score":0.03314919024705887}],"sentiment":"neutral","sentiment_score":0.030882591323461384,"num_words":16,"start":1495.03,"end":1510.9249},{"sentences":[{"text":"Okay.","start":1520.85,"end":1521.25,"sentiment":"neutral","sentiment_score":0.008538086898624897},{"text":"Bear me two secs.","start":1521.25,"end":1522.45,"sentiment":"neutral","sentiment_score":-0.004169815918430686},{"text":"Sorry.","start":1522.45,"end":1522.85,"sentiment":"neutral","sentiment_score":-0.07090508937835693},{"text":"The amount of emails I'm getting lately is why Fifteen, fourteen, 13.","start":1522.85,"end":1539.3151,"sentiment":"neutral","sentiment_score":-0.045077701952929296},{"text":"Yes.","start":1551.2301,"end":1551.55,"sentiment":"neutral","sentiment_score":0.020338602364063263}],"sentiment":"neutral","sentiment_score":-0.031560004590765425,"num_words":19,"start":1520.85,"end":1551.55},{"sentences":[{"text":"Sorry.","start":1551.55,"end":1552.05,"sentiment":"neutral","sentiment_score":0.006593839265406132},{"text":"Yes.","start":1552.1101,"end":1552.43,"sentiment":"neutral","sentiment_score":0.04783991724252701},{"text":"I did get this.","start":1552.43,"end":1553.4901,"sentiment":"neutral","sentiment_score":0.03949881810694933},{"text":"Okay.","start":1586.35,"end":1586.75,"sentiment":"neutral","sentiment_score":0.13186630606651306},{"text":"Yep.","start":1586.75,"end":1587.07,"sentiment":"neutral","sentiment_score":0.22539375722408295}],"sentiment":"neutral","sentiment_score":0.07121113652829081,"num_words":8,"start":1551.55,"end":1587.07},{"sentences":[{"text":"That's fine.","start":1587.07,"end":1587.8099,"sentiment":"positive","sentiment_score":0.394570916891098},{"text":"Awesome.","start":1600.215,"end":1600.715,"sentiment":"positive","sentiment_score":0.6850392818450928},{"text":"Thank you.","start":1600.775,"end":1601.515,"sentiment":"positive","sentiment_score":0.6577662825584412},{"text":"Sure.","start":1611.48,"end":1611.98,"sentiment":"neutral","sentiment_score":0.0647648498415947},{"text":"No.","start":1615.3251,"end":1615.725,"sentiment":"neutral","sentiment_score":-0.044007811695337296}],"sentiment":"positive","sentiment_score":0.40149581698434694,"num_words":7,"start":1587.07,"end":1615.725},{"sentences":[{"text":"That that's been everything.","start":1615.725,"end":1617.025,"sentiment":"neutral","sentiment_score":-0.050819949712604284},{"text":"I think the trauma insurance, I'll I'll sit on that for the minute, but I just I I do wanna know what it would be.","start":1617.085,"end":1623.345,"sentiment":"neutral","sentiment_score":0.01184344157576561},{"text":"But, yeah, everything else sounds good.","start":1624.285,"end":1627.025,"sentiment":"neutral","sentiment_score":0.2048396443327268},{"text":"Yep.","start":1631.7401,"end":1632.2401,"sentiment":"neutral","sentiment_score":0.12718379497528076},{"text":"Perfect.","start":1642.395,"end":1642.895,"sentiment":"neutral","sentiment_score":0.2281295359134674}],"sentiment":"neutral","sentiment_score":0.04532857938996843,"num_words":37,"start":1615.725,"end":1642.895},{"sentences":[{"text":"Sounds good.","start":1642.9551,"end":1643.515,"sentiment":"positive","sentiment_score":0.8295678198337555},{"text":"Thank you.","start":1643.515,"end":1644.255,"sentiment":"positive","sentiment_score":0.8156437575817108},{"text":"No.","start":1647.1951,"end":1647.515,"sentiment":"neutral","sentiment_score":-0.01701514422893524},{"text":"That was all.","start":1647.515,"end":1648.0751,"sentiment":"neutral","sentiment_score":0.15211511900027594},{"text":"Thank you for your help.","start":1648.0751,"end":1649.135,"sentiment":"positive","sentiment_score":0.7344808220863343}],"sentiment":"positive","sentiment_score":0.5693967290795766,"num_words":13,"start":1642.9551,"end":1649.135},{"sentences":[{"text":"Mhmm.","start":1654.155,"end":1654.655,"sentiment":"neutral","sentiment_score":0.17237430810928345},{"text":"I'll do that for you.","start":1663.6599,"end":1664.7,"sentiment":"positive","sentiment_score":0.6983758568763733},{"text":"Thank you.","start":1664.7,"end":1665.44,"sentiment":"positive","sentiment_score":0.7299879789352417},{"text":"You too.","start":1668.22,"end":1668.7799,"sentiment":"positive","sentiment_score":0.5025940537452698},{"text":"Bye.","start":1668.7799,"end":1669.2799,"sentiment":"neutral","sentiment_score":0.2879605293273926}],"sentiment":"positive","sentiment_score":0.5833980170163241,"num_words":11,"start":1654.155,"end":1669.2799}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi. If you record your name and reason for calling, I'll see if this person is available.\n\nChannel 0: Hi, Danielle. It's Tommy here from Oakview Financial.\n\nChannel 1: Oh,\n\nChannel 0: Just giving you a call. Oh, Danielle.\n\nChannel 1: hi. How are you?\n\nChannel 0: Fantastic. How are you doing?\n\nChannel 1: Good. I literally turned on that new feature to screen calls, so when the number's not saved yesterday, so I don't know what's what's going on or what's happening or how it works. So yeah. Sorry.\n\nChannel 0: No worries at all. I've actually had that pop up about seven times this week, and it's the strangest feature because then after I give the message, it calls through to somebody. And half the time I get them, half the time it's a voice mail. So thank you for picking up. Appreciate\n\nChannel 1: Okay.\n\nChannel 0: that.\n\nChannel 1: Wow. Okay. Oh, have fun.\n\nChannel 0: I was giving you a call today to go through your annual review.\n\nChannel 1: Yeah.\n\nChannel 0: Kyle has gone home sick. So as the senior adviser, I wanted to just take the chance to jump on with you if you still had a bit of time.\n\nChannel 1: Yeah. Absolutely.\n\nChannel 0: Perfect. Thank you so much for that. Before I jump into any details, are you okay for the call to be recorded? Perfect. And usual security process, I'm registered with Asik as adviser one 273105.\n\nAre you okay to confirm your date of birth and address, please?\n\nChannel 1: Yes. 03/04/1991, and address is 1 Barrier Place, Mount Barker.\n\nChannel 0: Thank you so much for that, Danielle. Really appreciate it. Now I've got a bit of an annual review pack to send through to you. Purpose of today's call, see how the soup is going and if we need to make any changes and just see if there's been any significant changes in your circumstances as well.\n\nChannel 1: Mhmm. Sure. Yep. Sounds good.\n\nChannel 0: Just wanted to start off and ask you, is there anything in particular you would like to get out of this year's review?\n\nChannel 1: I think one of the things I did just wanna confirm is I just squared away my life insurance through Clearview, I think.\n\nChannel 0: Yes.\n\nChannel 1: I I didn't have a beneficiary set up on that. So I just wanted to make sure, like, my annual salary is reflective of what's on file your end and those sort of things. I just go through that sort of detail.\n\nChannel 0: Absolutely.\n\nChannel 1: But\n\nChannel 0: I'm\n\nChannel 1: yeah.\n\nChannel 0: assuming it's a little bit out of date because looking at contributions, I did a bit of a calculation, and I believe you'd be on a little over a 100,000 now. Is that right?\n\nChannel 1: Yes. I'm on my base is basically $1.30 now.\n\nChannel 0: Amazing. Congratulations.\n\nChannel 1: Yeah. Thank you. So it changed over the years. But, yes, I I don't think I've ever updated that.\n\nChannel 0: Yep. No. That's perfectly fine. I think last time we had it at 90, and I was looking at the contributions and going, no. That's\n\nChannel 1: Yeah.\n\nChannel 0: that's 6 figures. I can see that.\n\nChannel 1: Yeah. So good news.\n\nChannel 0: Absolutely. So I'll factor that into, you know, projections and whatnot and see how that's looking. Are you still are you still a safety officer?\n\nChannel 1: It's technically kind of yes. Well, formal title is HSE advisor, so a bit of a promotion there.\n\nChannel 0: Okay.\n\nChannel 1: So yeah. It's when I explain it to people, it's easy to say I'm a safety officer to some people, but it\n\nChannel 0: Yeah.\n\nChannel 1: is more of a hybrid role, more of a support role, supporting safety officers and just more corporate, I guess.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: So\n\nChannel 0: Still office space, of course.\n\nChannel 1: yes. Yep.\n\nChannel 0: Okay. So a couple of quick questions for you then. I'm just gonna pull up your certificate of currency for your insurance policy. While I'm doing that, do you manage staff by any chance?\n\nChannel 1: No. I don't.\n\nChannel 0: Cool.\n\nChannel 1: I\n\nChannel 0: Okay.\n\nChannel 1: am\n\nChannel 0: So\n\nChannel 1: I support\n\nChannel 0: six.\n\nChannel 1: and train, but I don't manage anyone.\n\nChannel 0: Perfect. Would you have any linking qualifications, degrees, anything like that that you've done to get this level of income?\n\nChannel 1: Yes. I've done my diploma of work health and safety.\n\nChannel 0: Yep.\n\nChannel 1: And I don't know if I would have included it. I did my cert four work health safety and then did my diploma of work health safety.\n\nChannel 0: And diploma. Okay. Yeah. The reason why I ask is because once you get above a 120,000, depending on qualifications and how managerial your duties are, you could potentially qualify for a better occupation rating with the insurer, which may\n\nChannel 1: Okay.\n\nChannel 0: make things a little bit more affordable. You're kind of on the cusp, but I'm gonna ask the question of them and see if I can get that updated potentially as well.\n\nChannel 1: Yep. Sure.\n\nChannel 0: K. For the policy, let me just bring that up. And it's what's the employer name, if you don't mind me asking?\n\nChannel 1: Sarah Constructions.\n\nChannel 0: Construction. Thank you very much for that. We've just kinda switched over to a new CRM, so I'm just making sure everything's up to date that we have. That'll be full time. Are you still putting away around about 250 in savings per week, or has that gone up as well?\n\nChannel 1: It's kind of. Yeah. We are saving for a wedding, so it's a lot of it's going to that.\n\nChannel 0: Yeah. No. Totally fine. So saving towards a wedding. I was looking through the goals previously as well.\n\nYou were paying off the car loan. I'm assuming you went on that holiday to Bali last year.\n\nChannel 1: Yes. I went to Bali. I think it was the year before last. We went to Europe last year\n\nChannel 0: Okay.\n\nChannel 1: for yeah. It was a month over there. My car's been paid off now, so that's nice. But yeah. So\n\nChannel 0: Perfect. Saving for a wedding. If you don't mind me asking, have you guys got much put into either offset account, or is it just general savings account?\n\nChannel 1: A lot of it is in the offset.\n\nChannel 0: Yeah.\n\nChannel 1: Give me one sec. That is a good question. Why is it not working?\n\nChannel 0: I'm assuming too that the the property probably would have jumped up quite a bit in value as well. Not sure\n\nChannel 1: It\n\nChannel 0: if\n\nChannel 1: has.\n\nChannel 0: you've been keeping an eye on it.\n\nChannel 1: We had yeah. We've had a we had a real estate agent come out or we had three come out within the last, say, six months just\n\nChannel 0: Yeah.\n\nChannel 1: to get different perspectives, and one of them came back recently. We're we're not looking to sell. We just kind of wanted to get an idea of what the market is actually doing and what we had in equity. And then one of them came back within the last two, three weeks to say that based on recent sales, would now be looking closer to the home being 900,000. So\n\nChannel 0: Wow. That's\n\nChannel 1: mhmm.\n\nChannel 0: insane.\n\nChannel 1: Yep. Mhmm. So, yeah, that's that's been good.\n\nChannel 0: Perfect. So you'd have quite a bit of equity there.\n\nChannel 1: Yep.\n\nChannel 0: Have you guys gotten the loan under 400,000 now? Or\n\nChannel 1: Yes. Yep. It is. Why can't I log in? Sorry.\n\nI'm just trying to get into my Westpac, and it's just not\n\nChannel 0: No worries.\n\nChannel 1: I don't wanna come back. I wanna get in now.\n\nChannel 0: Just while you're doing that, I'm just having a look at your income protection as well just to get a look at the figures.\n\nChannel 1: I'm just double checking. I'm not trying to put in the wrong password.\n\nChannel 0: No worries.\n\nChannel 1: Yes, sir. I was. How silly. Okay. And let's go back to mhmm.\n\nSorry. Sorry. I just I love when it's trying to make me doing a password.\n\nChannel 0: It's always the way. We always struggle with two factor authentication and password keepers and all kinds of things on the IT front.\n\nChannel 1: Yeah. It's just it's always when you just want something immediately,\n\nChannel 0: Yeah.\n\nChannel 1: which is good. I love the security, but, like, sometimes you just wanna get in and be like, cool. Next time. That's that's probably why they do it.\n\nChannel 0: No. That's fine. Are they making you go into the emails and verifying all that fun stuff? Yeah.\n\nChannel 1: Yes. Okay. Yep. Sorry. Change my password.\n\nNow let me oh my gosh. Wow. Okay. Sorry.\n\nChannel 0: Success?\n\nChannel 1: Yes. I'm so sorry.\n\nChannel 0: Fantastic.\n\nChannel 1: That took quite too long.\n\nChannel 0: That's okay. No worries\n\nChannel 1: Okay.\n\nChannel 0: at all.\n\nChannel 1: So in the shared offset, there's 73,\n\nChannel 0: Okay. 73. Fantastic. Moving well done.\n\nChannel 1: and\n\nChannel 0: And\n\nChannel 1: the home loan is down, yeah, $3.16 currently.\n\nChannel 0: $3.16. That's amazing. Alright. 900 value, $3.16 owing, 73 in the offset.\n\nChannel 1: Yeah.\n\nChannel 0: Fantastic.\n\nChannel 1: I'm sorry.\n\nChannel 0: Do you have much of a savings goal beyond the 73 for saving for the wedding and everything? You're just kind of putting as much as you can in?\n\nChannel 1: I feel like it is just like, it heavily, it's my partner as well that's putting, like, most of the contributions into that. But it is at the minute, our focus is just, like, yeah, focusing on the wedding. And then we wouldn't mind doing a few things around the house as well just to sort of make it a little bit nicer. I mean, it's still\n\nChannel 0: Yeah.\n\nChannel 1: lovely, but, yeah, just making it a little bit nicer. But then yeah. Long term, we would like to, obviously, upgrade the house. So\n\nChannel 0: Perfect. So would you say that, like, have you gone kind of spoken about how much the renovations might cost after the wedding, or is that kind\n\nChannel 1: Not\n\nChannel 0: of\n\nChannel 1: really.\n\nChannel 0: stuff in\n\nChannel 1: We're\n\nChannel 0: the\n\nChannel 1: kind\n\nChannel 0: air?\n\nChannel 1: of, yeah, on the fence at the minute with that sort of thing. Like, we're just we don't know. We might wanna get a landscaper in and get them to do the backyard, but we'll go from there.\n\nChannel 0: Yep. Fantastic. So at the moment, it kinda sounds like maybe, like, a one to three year goal to sort out the wedding and the renovations and then look to upgrade after that.\n\nChannel 1: I think so. Yes.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: K. One to three and five beyond. Anything else you guys are working on at the moment?\n\nChannel 1: I think that is it.\n\nChannel 0: Perfect. Perfect. I'm not looking to use the equity for anything other than bit of an upgrade.\n\nChannel 1: My partner may he's always wanted an investment, so he could go to an investment property.\n\nChannel 0: K.\n\nChannel 1: But, yeah, we will see.\n\nChannel 0: See, after the priorities are done first.\n\nChannel 1: Exactly right.\n\nChannel 0: Yep. Now I'm with you. If you guys ever need any help with the investment property side, please feel free to call through to us.\n\nChannel 1: Mhmm.\n\nChannel 0: More than happy to walk you through some ideas and options.\n\nChannel 1: Okay. Yep. Sounds good. Thank you.\n\nChannel 0: Perfect. I've just had a look at your income protection, and it's quite low compared to your income. So 4,336 a month worth of cover. So think of it as just over a thousand bucks a week you would get if you're off work for more than a month.\n\nChannel 1: Oh, wow.\n\nChannel 0: If you work that back because the maximum is 70%, it's protecting an income of 75,000.\n\nChannel 1: Oh, wow. Yep.\n\nChannel 0: So five year benefit period sorry. Five year benefit, thirty day waiting period, that's pretty good.\n\nChannel 1: Mhmm.\n\nChannel 0: You can usually extend that up to the age of 65, but you do have about 1,100,000.0 worth of life insurance and total disability for the long term side of things.\n\nChannel 1: Yep.\n\nChannel 0: So what I wanted to ask you was, do you want me to kind of get a bit of an alteration with Clearview to see how much it would be to bump up the income protection?\n\nChannel 1: Yes, please.\n\nChannel 0: Yep. K. Now you have had Clearview for a few years. It's really affordable. It's 1,500 before the tax rebate out of the server.\n\nDo\n\nChannel 1: Mhmm.\n\nChannel 0: you want me to shop around and see if there's a more affordable provider? I'll do an alteration quote with them as well, but do you want me to check both?\n\nChannel 1: I think yeah. Like, they're having great. I think it'd be better just to double check and just, yeah, see if there's a better option, but otherwise,\n\nChannel 0: Yeah.\n\nChannel 1: I am happy with Clavie.\n\nChannel 0: Perfect. So what I usually do in those circumstances is we get an alteration quote from them. Usually takes about a week. We will do a software quote for all insurers just to see if based on your occupation, anyone's offering anything better. But I'll make sure that under the hood, the policy feature score is the same or higher so you don't have any sort of worse policy.\n\nChannel 1: Okay. Yep. Perfect.\n\nChannel 0: Perfect. What about with the life and disability cover? 1,160,000.00 there. That's obviously covering the debt and then quite a bit over the top. Your original goal was to cover the debts with a $100,000 buffer, so you've obviously trimmed down the debt quite a bit.\n\nDo you feel like kind of dropping that down a little bit, or if it's affordable, just keep it as is?\n\nChannel 1: Maybe just keep it as is for now.\n\nChannel 0: Yep. We'll keep an eye on it yearly because it's not too detrimental 3 thirties. Once you hit forties, though, it can jump up to $3.04, 5,000 pretty quickly. And if you've got that mortgage paid off, we can look at trimming it down. If you do upgrade homes, maybe it's nice to have that buffer there for the future debts as well.\n\nChannel 1: Yeah. Yep. That's exactly right. Yep.\n\nChannel 0: Perfect. So I'll leave that there and just do the alteration increase for income protection. I do have to ask the question around trauma insurance, that fourth one. Do you recall what that does?\n\nChannel 1: No.\n\nChannel 0: So that's one that you don't have, but you can only have it out of pocket. You can't have it through your super. It's essentially like a a medical lump sum for heart attack, stroke, and cancer. So life insurance is if you pass away, TPD is if you can never work again, income protections for the temporary illness and injury, trauma is like, oh, I've had a heart attack. I go back to work the next week, But do I wanna lump sum to go to private hospital, have my partner take some time off to look after me if I get diagnosed with cancer, that type of thing?\n\nChannel 1: Okay. Heck. What would that be if it was paid out right?\n\nChannel 0: So what I'll do, I can usually do, like, a baseline quote for a 100,000 is usually a good starting point. And\n\nChannel 1: Yep.\n\nChannel 0: then I'll see what that comes out like on a maybe, like, a monthly premium rather than an annual. So that way, it's kinda spread out for you. Is\n\nChannel 1: Yep.\n\nChannel 0: there a bit of a limit you want me to put for affordability, like 20 a month, 30 a month, 40 a month? What would be your maximum?\n\nChannel 1: I don't know. I don't know. I'm just conscious of my not to just keep doing it. Adding to the bills and expenses. You know?\n\nChannel 0: Yeah.\n\nChannel 1: But\n\nChannel 0: I'm with you a\n\nChannel 1: I suppose\n\nChannel 0: 100%.\n\nChannel 1: I don't know. I feel\n\nChannel 0: So\n\nChannel 1: like I'd\n\nChannel 0: what\n\nChannel 1: need\n\nChannel 0: I'll\n\nChannel 1: to\n\nChannel 0: do,\n\nChannel 1: know what it yeah.\n\nChannel 0: yeah, we'll see what it costs. What I'll do is I'll just do the baseline quote. I'll send you through when I do the the updated advice for the income protection, I'll include there, like, a table of what it actually pays out on and then how much the price is, and you can kind of work out if you feel it's valuable.\n\nChannel 1: Yep. Sounds good. Let's do that.\n\nChannel 0: Perfect. Just before I jump on to the super and finish things off, I just want to check if you guys ended up getting, like, the will and power of attorney put in place.\n\nChannel 1: No. We haven't.\n\nChannel 0: K. So at the moment, beneficiaries in line with your partner, you're still okay for\n\nChannel 1: Mhmm.\n\nChannel 0: that?\n\nChannel 1: Yes.\n\nChannel 0: For the super and the life insurance, that's okay. And, again, you said you just recently fixed that up with Clearview, so thank you for that.\n\nChannel 1: Mhmm.\n\nChannel 0: With the kind of insolvency side of things, this is just a new question for us. Have you guys ever gone through, like, a bankruptcy before or a part nine debt agreement?\n\nChannel 1: No.\n\nChannel 0: Perfect. Sorry. It's just an extra little check there because it does affect home loans and credit applications and so on. Perfect. Now when it comes to the superannuation, have you do you usually log into it?\n\nI know you've been a client for a few years now. Do you check it every now and then? Or\n\nChannel 1: Yeah. I've got it on the app, and I just go and have a little look and just see how it's going. I'll be honest. I don't actually have. My partner talks me through it.\n\nIt's not my field of knowledge. But, yeah, he just normally talks me through what's going on and settles any nerves I've\n\nChannel 0: Yeah.\n\nChannel 1: got with it.\n\nChannel 0: Cool. So he's kind of the the the financial he's got a lot of the financial interest there, and he kind of dives into it a bit more in-depth.\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yep. One question I do wanna ask you though is just from your own perspective, do you know on, like, a scale of five what risk level you might be?\n\nChannel 1: I do know that we have got it set in in a higher risk\n\nChannel 0: Yep.\n\nChannel 1: just because we've got longer till we retire so that there's more opportunity there.\n\nChannel 0: Yep. Perfect. And, look, I know retirement's, like, thirty years away. We did have that goal there for you guys to try and retire a little bit earlier towards the age of 60 when you can access your super rather than, like, 67 with the age pension. Is that still sounds about right for you\n\nChannel 1: Mhmm.\n\nChannel 0: too?\n\nChannel 1: It does. Yes.\n\nChannel 0: Yep. Perfect. The reason why I asked that question is because when I looked at your portfolio before this call, I did notice it was quite aggressive to the point where it's pretty much all in growth assets. So it's pretty much all in shares, property, gold, and so on. Quite aggressive.\n\nIt had quite a lot of growth last year, jumped from, I think, 83,000 to 102,000. Lo and behold, after a 30% increase, the markets have been tumbling down since Christmas, and it's sitting at a 104,000 at the moment. So\n\nChannel 1: Yeah.\n\nChannel 0: this is kind of that roller coaster that we talk about when we talk about going into a high growth\n\nChannel 1: Yeah.\n\nChannel 0: risk category.\n\nChannel 1: And, obviously, everything that's going on across the world, it does obviously bring in a little bit of nerve there, but I suppose it's all the, like because swings and roundabouts with it, really. Like, it's just sort of like, this is sort of how it goes, and I just kind of my partner just says to hang on and just say we will be it'll sort itself out. It'll balance itself out long term. So\n\nChannel 0: Yeah. I guess the way I would explain it too is we always talk about, like, market cycles, and it's on average, like, every seven years that the stock markets grow for five or six\n\nChannel 1: Mhmm.\n\nChannel 0: years, and then there's some sort of event. There's a global financial crisis, a COVID, a war somewhere, and the markets take a bit of a tumble, and that tends to repeat every seven years or so. So the main\n\nChannel 1: Okay.\n\nChannel 0: plan, I guess, for you guys is your contributions go in. You get to continuously buy up all these assets and repeat those cycles. So when it goes down, you get to buy a few more properties for a cheaper price. You probably don't wanna still be aggressive at the age of 59, though, because you probably don't\n\nChannel 1: No.\n\nChannel 0: wanna lose half your super a year before you go to live on it with the stock\n\nChannel 1: Yep.\n\nChannel 0: market crash. Does that make sense?\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: So one thing that we do keep an eye on is even though you're in high risk, that doesn't mean that we're being sort of, how do you say, excessive with the risk level, anything too crazy.\n\nChannel 1: Okay.\n\nChannel 0: Most of the options have been doing really well. So overall, most of your options have been having some pretty good growth. You've got about eight or nine options in there. Even your I don't know if your partner talks about gold and silver and that kind of thing. Does he mention that much?\n\nChannel 1: A little bit. Not hate, but my understanding is sort of because it generally holds its value.\n\nChannel 0: Yeah. It's something that holds its value long very, very long term over hundreds of years, but sometimes you have these scenarios where the world goes crazy. And towards the end of last year, gold and silver went up, like, 500%. Everyone's super got a nice little bonus out of that because we had you in a little bit of that, and then it's kind of dropping down after Christmas as well. So everything's looking pretty good.\n\nThere is one option that kind of concerns me a little bit, and it's essentially a a Benelon option that has your Australian shares. So think of it as, like, your Commonwealth Bank, Rio Tinto, all the companies that you own in Australia as\n\nChannel 1: Mhmm.\n\nChannel 0: kind of underperforming a little bit.\n\nChannel 1: Okay.\n\nChannel 0: So\n\nChannel 1: Okay.\n\nChannel 0: so one thing that I might do is if you're comfortable with that long term view, the long term risk level is I might just find a better alternative to switch them out like for like.\n\nChannel 1: I'm happy with that. Yeah.\n\nChannel 0: Cool. Everything else will pretty much remain the same. I'll look to update that one option. We've already sent you through. Did you get an email from us about an ROA record of advice for a bit of a change that we made?\n\nChannel 1: Bear with me one sec. My I should have a Respondents. Yes. Say yes. From Clearview.\n\nChannel 0: It'll be just before the Clearview one. I'm actually just gonna quickly scroll back. You would have received it, I think, on the March 13.\n\nChannel 1: Okay. Bear me two secs. Sorry. The amount of emails I'm getting lately is\n\nChannel 0: I can imagine.\n\nChannel 1: why\n\nChannel 0: That's fair. No worries.\n\nChannel 1: Fifteen, fourteen, 13.\n\nChannel 0: And the subject heading should be Netwealth portfolio update record of advice.\n\nChannel 1: Yes. Sorry. Yes. I did get this.\n\nChannel 0: No. That's okay. What that's basically saying is that we had flagged this one option around Christmas time. And, normally, whenever we change your investments, we go through, like, a statement of advice. I give you a a new document, and we walk through and talk about, we think we should change to this.\n\nAre you comfortable with the reasons we've given? And then we can go ahead and do that. In this case, because of everything that was going on in the world, we've actually just kind of done a blanket rule across all clients to make that change straight away before it goes too crazy.\n\nChannel 1: Okay. Yep. That's fine.\n\nChannel 0: Cool. So the portfolio is pretty well updated. You should see the performance change pretty well throughout the year. So once the market starts going up, you and your partner should see that reflected in your balance as well.\n\nChannel 1: Awesome. Thank you.\n\nChannel 0: Perfect. So at this point, I'm pretty much gonna look at bumping up the income protection, get you a little bit of a trauma quote, and just remind you guys to get a will at some point as well. Is there\n\nChannel 1: Sure.\n\nChannel 0: anything else that you would like to talk about in this review?\n\nChannel 1: No. That that's been everything. I think the trauma insurance, I'll I'll sit on that for the minute, but I just I I do wanna know what it would be.\n\nChannel 0: Yep.\n\nChannel 1: But, yeah, everything else sounds good.\n\nChannel 0: No. That's totally fine. What I'll do is I'll include the information in there. And\n\nChannel 1: Yep.\n\nChannel 0: at the bottom of the document when we walk through it, there'll be a signature box, and you can pretty much say, I would like to go ahead with both of them, one of them, whatever you prefer.\n\nChannel 1: Perfect. Sounds good. Thank you.\n\nChannel 0: Awesome. Anything else for me before I let you go, Danielle?\n\nChannel 1: No. That was all. Thank you for your help.\n\nChannel 0: Amazing. I will send you through an annual review pack tomorrow, and that'll\n\nChannel 1: Mhmm.\n\nChannel 0: just have, like, your updated service agreement, a financial services guide, all of your reports, and everything attached. So if you could have a look at that email tomorrow, that would be amazing.\n\nChannel 1: I'll do that for you. Thank you.\n\nChannel 0: Awesome. Have a great night. Thank you so much for your time.\n\nChannel 1: You too. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.48,"end":0.96,"sentiment":"neutral","sentiment_score":0.03344064950942993},{"text":"If you record your name and reason for calling, I'll see if this person is available.","start":0.96,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.019000179949216545}],"sentiment":"neutral","sentiment_score":0.01984961933511145,"channel":1,"num_words":17,"start":0.48,"end":5.2999997},{"sentences":[{"text":"Hi, Danielle.","start":8.24,"end":8.96,"sentiment":"neutral","sentiment_score":0.044125404208898544},{"text":"It's Tommy here from Oakview Financial.","start":8.96,"end":10.8,"sentiment":"neutral","sentiment_score":0.07106732452909152}],"sentiment":"neutral","sentiment_score":0.06433184444904327,"channel":0,"num_words":8,"start":8.24,"end":10.8},{"sentences":[{"text":"Oh,","start":10.559999,"end":11.059999,"sentiment":"neutral","sentiment_score":0.06886787712574005}],"sentiment":"neutral","sentiment_score":0.06886787712574005,"channel":1,"num_words":1,"start":10.559999,"end":11.059999},{"sentences":[{"text":"Just giving you a call.","start":10.8,"end":11.84,"sentiment":"neutral","sentiment_score":0.07750568762421609},{"text":"Oh, Danielle.","start":11.84,"end":12.66,"sentiment":"neutral","sentiment_score":0.11780659854412079}],"sentiment":"neutral","sentiment_score":0.08902023360133171,"channel":0,"num_words":7,"start":10.8,"end":12.66},{"sentences":[{"text":"hi.","start":12.4,"end":12.639999,"sentiment":"neutral","sentiment_score":0.18262222409248352},{"text":"How are you?","start":12.639999,"end":13.46,"sentiment":"neutral","sentiment_score":0.2202000468969345}],"sentiment":"neutral","sentiment_score":0.21080559119582176,"channel":1,"num_words":4,"start":12.4,"end":13.46},{"sentences":[{"text":"Fantastic.","start":13.985,"end":14.485,"sentiment":"positive","sentiment_score":0.7001329660415649},{"text":"How are you doing?","start":14.545,"end":15.535,"sentiment":"positive","sentiment_score":0.42630230635404587}],"sentiment":"positive","sentiment_score":0.48106843829154966,"channel":0,"num_words":5,"start":13.985,"end":15.535},{"sentences":[{"text":"Good.","start":15.425,"end":15.925,"sentiment":"positive","sentiment_score":0.4192195534706116},{"text":"I literally turned on that new feature to screen calls, so when the number's not saved yesterday, so I don't know what's what's going on or what's happening or how it works.","start":15.985001,"end":24.18,"sentiment":"neutral","sentiment_score":-0.08302039827685803},{"text":"So yeah.","start":24.18,"end":24.945,"sentiment":"neutral","sentiment_score":-0.058213621377944946},{"text":"Sorry.","start":24.945,"end":25.445,"sentiment":"neutral","sentiment_score":-0.10524728149175644}],"sentiment":"neutral","sentiment_score":-0.06830854765656921,"channel":1,"num_words":36,"start":15.425,"end":25.445},{"sentences":[{"text":"No worries at all.","start":25.919998,"end":27.279999,"sentiment":"neutral","sentiment_score":-0.052603849209845066},{"text":"I've actually had that pop up about seven times this week, and it's the strangest feature because then after I give the message, it calls through to somebody.","start":27.279999,"end":34.239998,"sentiment":"neutral","sentiment_score":-0.1948445135993617},{"text":"And half the time I get them, half the time it's a voice mail.","start":34.239998,"end":36.879997,"sentiment":"neutral","sentiment_score":-0.14600311645439693},{"text":"So thank you for picking up.","start":36.879997,"end":38.399998,"sentiment":"neutral","sentiment_score":0.33234354729453724},{"text":"Appreciate","start":38.399998,"end":38.879997,"sentiment":"neutral","sentiment_score":0.25810515880584717}],"sentiment":"neutral","sentiment_score":-0.10297998047943385,"channel":0,"num_words":53,"start":25.919998,"end":38.879997},{"sentences":[{"text":"Okay.","start":38.86,"end":39.36,"sentiment":"neutral","sentiment_score":0.17395323514938354}],"sentiment":"neutral","sentiment_score":0.17395323514938354,"channel":1,"num_words":1,"start":38.86,"end":39.36},{"sentences":[{"text":"that.","start":38.879997,"end":39.285,"sentiment":"neutral","sentiment_score":0.1251816749572754}],"sentiment":"neutral","sentiment_score":0.1251816749572754,"channel":0,"num_words":1,"start":38.879997,"end":39.285},{"sentences":[{"text":"Wow.","start":39.5,"end":39.9,"sentiment":"neutral","sentiment_score":0.18539506196975708},{"text":"Okay.","start":39.9,"end":40.4,"sentiment":"neutral","sentiment_score":0.16259241104125977},{"text":"Oh, have fun.","start":41.485,"end":42.385,"sentiment":"positive","sentiment_score":0.42716509103775024}],"sentiment":"neutral","sentiment_score":0.3258965492248535,"channel":1,"num_words":5,"start":39.5,"end":42.385},{"sentences":[{"text":"I was giving you a call today to go through your annual review.","start":42.645,"end":45.864998,"sentiment":"neutral","sentiment_score":0.13827967930298585}],"sentiment":"neutral","sentiment_score":0.13827967930298585,"channel":0,"num_words":13,"start":42.645,"end":45.864998},{"sentences":[{"text":"Yeah.","start":46.525,"end":47.025,"sentiment":"neutral","sentiment_score":-0.08057734370231628}],"sentiment":"neutral","sentiment_score":-0.08057734370231628,"channel":1,"num_words":1,"start":46.525,"end":47.025},{"sentences":[{"text":"Kyle has gone home sick.","start":46.965,"end":48.645,"sentiment":"neutral","sentiment_score":-0.25411718487739565},{"text":"So as the senior adviser, I wanted to just take the chance to jump on with you if you still had a bit of time.","start":48.645,"end":53.55,"sentiment":"neutral","sentiment_score":-0.021135638058185576}],"sentiment":"neutral","sentiment_score":-0.05996589586138725,"channel":0,"num_words":30,"start":46.965,"end":53.55},{"sentences":[{"text":"Yeah.","start":53.645,"end":53.965,"sentiment":"neutral","sentiment_score":0.09346555173397064},{"text":"Absolutely.","start":53.965,"end":54.465,"sentiment":"neutral","sentiment_score":0.2151739597320557}],"sentiment":"neutral","sentiment_score":0.15431975573301315,"channel":1,"num_words":2,"start":53.645,"end":54.465},{"sentences":[{"text":"Perfect.","start":55.39,"end":55.71,"sentiment":"positive","sentiment_score":0.3834487795829773},{"text":"Thank you so much for that.","start":55.71,"end":56.91,"sentiment":"positive","sentiment_score":0.48985230425993603},{"text":"Before I jump into any details, are you okay for the call to be recorded?","start":56.91,"end":60.449997,"sentiment":"neutral","sentiment_score":0.10724190200368564},{"text":"Perfect.","start":62.43,"end":62.91,"sentiment":"neutral","sentiment_score":0.13513030111789703},{"text":"And usual security process, I'm registered with Asik as adviser one 273105.","start":62.91,"end":69.704994,"sentiment":"neutral","sentiment_score":0.07792959455400705}],"sentiment":"neutral","sentiment_score":0.17147075917039598,"channel":0,"num_words":35,"start":55.39,"end":69.704994},{"sentences":[{"text":"Are you okay to confirm your date of birth and address, please?","start":69.765,"end":72.585,"sentiment":"neutral","sentiment_score":0.04283618833869696}],"sentiment":"neutral","sentiment_score":0.04283618833869696,"channel":0,"num_words":12,"start":69.765,"end":72.585},{"sentences":[{"text":"Yes.","start":72.985,"end":73.485,"sentiment":"neutral","sentiment_score":0.018315978348255157},{"text":"03/04/1991, and address is 1 Barrier Place, Mount 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yeah, on the fence at the minute with that sort of thing.","start":784.26,"end":786.34,"sentiment":"neutral","sentiment_score":-0.03445052699400829},{"text":"Like, we're just we don't know.","start":786.34,"end":787.62,"sentiment":"neutral","sentiment_score":-0.027952477956811588},{"text":"We might wanna get a landscaper in and get them to do the backyard, but we'll go from there.","start":787.62,"end":792.28,"sentiment":"neutral","sentiment_score":0.017389889904542974}],"sentiment":"neutral","sentiment_score":-0.0075043108020173875,"channel":1,"num_words":38,"start":784.26,"end":792.28},{"sentences":[{"text":"Yep.","start":793.13,"end":793.63,"sentiment":"neutral","sentiment_score":0.10285534709692},{"text":"Fantastic.","start":793.77,"end":794.27,"sentiment":"neutral","sentiment_score":0.2187402546405792},{"text":"So at the moment, it kinda sounds like maybe, like, a one to three year goal to sort out the wedding and the renovations and then look to upgrade after 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guys ever need any help with the investment property side, please feel free to call through to us.","start":837.555,"end":842.37,"sentiment":"neutral","sentiment_score":0.14848877042531966}],"sentiment":"neutral","sentiment_score":0.16028645157814025,"channel":0,"num_words":25,"start":836.195,"end":842.37},{"sentences":[{"text":"Mhmm.","start":842.64996,"end":843.14996,"sentiment":"neutral","sentiment_score":0.13482025265693665}],"sentiment":"neutral","sentiment_score":0.13482025265693665,"channel":1,"num_words":1,"start":842.64996,"end":843.14996},{"sentences":[{"text":"More than happy to walk you through some ideas and 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income.","start":848.61,"end":854.87,"sentiment":"neutral","sentiment_score":0.23158324904301586},{"text":"So 4,336 a month worth of cover.","start":855.285,"end":861.225,"sentiment":"neutral","sentiment_score":0.13918828112738474},{"text":"So think of it as just over a thousand bucks a week you would get if you're off work for more than a month.","start":861.445,"end":867.06,"sentiment":"neutral","sentiment_score":0.10365086312716205}],"sentiment":"neutral","sentiment_score":0.16335028569613183,"channel":0,"num_words":49,"start":847.97,"end":867.06},{"sentences":[{"text":"Oh, wow.","start":867.705,"end":868.365,"sentiment":"neutral","sentiment_score":0.14117126539349556}],"sentiment":"neutral","sentiment_score":0.14117126539349556,"channel":1,"num_words":2,"start":867.705,"end":868.365},{"sentences":[{"text":"If you work that back because the maximum is 70%, it's protecting an income of 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good.","start":883.635,"end":886.615,"sentiment":"neutral","sentiment_score":0.30622404515743257}],"sentiment":"neutral","sentiment_score":0.2794484682381153,"channel":0,"num_words":16,"start":880.995,"end":886.615},{"sentences":[{"text":"Mhmm.","start":887.02496,"end":887.52496,"sentiment":"neutral","sentiment_score":0.07820607721805573}],"sentiment":"neutral","sentiment_score":0.07820607721805573,"channel":1,"num_words":1,"start":887.02496,"end":887.52496},{"sentences":[{"text":"You can usually extend that up to the age of 65, but you do have about 1,100,000.0 worth of life insurance and total disability for the long term side of things.","start":887.075,"end":897.03,"sentiment":"neutral","sentiment_score":0.07556367941921757}],"sentiment":"neutral","sentiment_score":0.07556367941921757,"channel":0,"num_words":31,"start":887.075,"end":897.03},{"sentences":[{"text":"Yep.","start":898.305,"end":898.805,"sentiment":"neutral","sentiment_score":0.05792723223567009}],"sentiment":"neutral","sentiment_score":0.05792723223567009,"channel":1,"num_words":1,"start":898.305,"end":898.805},{"sentences":[{"text":"So what I wanted to ask you was, do you want me to kind of get a bit of an alteration with Clearview to see how much it would be to bump up the income protection?","start":899.09,"end":906.63,"sentiment":"neutral","sentiment_score":0.0463864810557829}],"sentiment":"neutral","sentiment_score":0.0463864810557829,"channel":0,"num_words":36,"start":899.09,"end":906.63},{"sentences":[{"text":"Yes, 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both?","start":921.81,"end":925.67004,"sentiment":"neutral","sentiment_score":0.1051878512782209}],"sentiment":"neutral","sentiment_score":0.08099836267290576,"channel":0,"num_words":31,"start":918.565,"end":925.67004},{"sentences":[{"text":"I think yeah.","start":926.08,"end":927.2,"sentiment":"neutral","sentiment_score":0.26629339158535004},{"text":"Like, they're having great.","start":927.2,"end":928.66,"sentiment":"positive","sentiment_score":0.33582119084894657},{"text":"I think it'd be better just to double check and just, yeah, see if there's a better option, but 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increase for income protection.","start":1007.42,"end":1012.39996,"sentiment":"neutral","sentiment_score":0.14440337089555605},{"text":"I do have to ask the question around trauma insurance, that fourth one.","start":1013.18,"end":1017.01996,"sentiment":"neutral","sentiment_score":-0.022766590261688598},{"text":"Do you recall what that does?","start":1017.01996,"end":1018.72,"sentiment":"neutral","sentiment_score":-0.007984733209013939}],"sentiment":"neutral","sentiment_score":0.06283211625893326,"channel":0,"num_words":34,"start":1007.1,"end":1018.72},{"sentences":[{"text":"No.","start":1019.50995,"end":1020.00995,"sentiment":"neutral","sentiment_score":-0.1612001359462738}],"sentiment":"neutral","sentiment_score":-0.1612001359462738,"channel":1,"num_words":1,"start":1019.50995,"end":1020.00995},{"sentences":[{"text":"So that's one that you don't have, but you can only have it out of pocket.","start":1020.695,"end":1024.795,"sentiment":"neutral","sentiment_score":-0.17005178797990084},{"text":"You can't have it through your super.","start":1024.9349,"end":1026.715,"sentiment":"neutral","sentiment_score":-0.23909289922033036},{"text":"It's essentially like a a medical lump sum for heart attack, stroke, and cancer.","start":1027.175,"end":1032.875,"sentiment":"neutral","sentiment_score":-0.1561019037451063},{"text":"So life insurance is if you pass away, TPD is if you can never work again, income protections for the temporary illness and injury, trauma is like, oh, I've had a heart attack.","start":1033.9199,"end":1044.48,"sentiment":"neutral","sentiment_score":-0.06553386496097753},{"text":"I go back to work the next week, But do I wanna lump sum to go to private hospital, have my partner take some time off to look after me if I get diagnosed with cancer, that type of thing?","start":1044.48,"end":1055.945,"sentiment":"neutral","sentiment_score":-0.012499775760807097}],"sentiment":"neutral","sentiment_score":-0.08402285571633415,"channel":0,"num_words":110,"start":1020.695,"end":1055.945},{"sentences":[{"text":"Okay.","start":1057.325,"end":1057.825,"sentiment":"neutral","sentiment_score":0.022160883992910385},{"text":"Heck.","start":1060.125,"end":1060.625,"sentiment":"neutral","sentiment_score":0.02300962805747986},{"text":"What would that be if it was paid out right?","start":1066.2799,"end":1072.0599,"sentiment":"neutral","sentiment_score":0.024357892200350763}],"sentiment":"neutral","sentiment_score":0.02406245283782482,"channel":1,"num_words":12,"start":1057.325,"end":1072.0599},{"sentences":[{"text":"So what I'll do, I can usually do, like, a baseline quote for a 100,000 is usually a good starting point.","start":1073.315,"end":1079.815,"sentiment":"neutral","sentiment_score":0.20790925834860122},{"text":"And","start":1079.955,"end":1080.195,"sentiment":"neutral","sentiment_score":0.2125495821237564}],"sentiment":"neutral","sentiment_score":0.2081201821565628,"channel":0,"num_words":22,"start":1073.315,"end":1080.195},{"sentences":[{"text":"Yep.","start":1080.1749,"end":1080.6749,"sentiment":"neutral","sentiment_score":0.22047261893749237}],"sentiment":"neutral","sentiment_score":0.22047261893749237,"channel":1,"num_words":1,"start":1080.1749,"end":1080.6749},{"sentences":[{"text":"then I'll see what that comes out like on a maybe, like, a monthly premium rather than an annual.","start":1080.195,"end":1085.415,"sentiment":"neutral","sentiment_score":0.20748211051288404},{"text":"So that way, it's kinda spread out for you.","start":1085.6,"end":1087.76,"sentiment":"neutral","sentiment_score":0.2511936244037416},{"text":"Is","start":1087.76,"end":1088.0,"sentiment":"neutral","sentiment_score":0.07052991539239883}],"sentiment":"neutral","sentiment_score":0.21632526326796103,"channel":0,"num_words":29,"start":1080.195,"end":1088.0},{"sentences":[{"text":"Yep.","start":1087.9349,"end":1088.4349,"sentiment":"neutral","sentiment_score":0.07317471504211426}],"sentiment":"neutral","sentiment_score":0.07317471504211426,"channel":1,"num_words":1,"start":1087.9349,"end":1088.4349},{"sentences":[{"text":"there a bit of a limit you want me to put for affordability, like 20 a month, 30 a month, 40 a month?","start":1088.0,"end":1093.78,"sentiment":"neutral","sentiment_score":0.0072602220284550085},{"text":"What would be your 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know?","start":1115.355,"end":1116.015,"sentiment":"neutral","sentiment_score":-0.07217808812856674}],"sentiment":"neutral","sentiment_score":-0.20066675305366516,"channel":1,"num_words":25,"start":1099.66,"end":1116.015},{"sentences":[{"text":"Yeah.","start":1116.43,"end":1116.75,"sentiment":"neutral","sentiment_score":-0.052643708884716034}],"sentiment":"neutral","sentiment_score":-0.052643708884716034,"channel":0,"num_words":1,"start":1116.43,"end":1116.75},{"sentences":[{"text":"But","start":1116.475,"end":1116.975,"sentiment":"neutral","sentiment_score":-0.06949666142463684}],"sentiment":"neutral","sentiment_score":-0.06949666142463684,"channel":1,"num_words":1,"start":1116.475,"end":1116.975},{"sentences":[{"text":"I'm with you a","start":1116.75,"end":1117.39,"sentiment":"neutral","sentiment_score":-0.05995605420321226}],"sentiment":"neutral","sentiment_score":-0.05995605420321226,"channel":0,"num_words":4,"start":1116.75,"end":1117.39},{"sentences":[{"text":"I 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for","start":1156.685,"end":1160.4451,"sentiment":"neutral","sentiment_score":0.058348787150212696}],"sentiment":"neutral","sentiment_score":0.05490327539543311,"channel":0,"num_words":15,"start":1156.365,"end":1160.4451},{"sentences":[{"text":"Mhmm.","start":1160.37,"end":1160.87,"sentiment":"neutral","sentiment_score":0.04267427325248718}],"sentiment":"neutral","sentiment_score":0.04267427325248718,"channel":1,"num_words":1,"start":1160.37,"end":1160.87},{"sentences":[{"text":"that?","start":1160.4451,"end":1160.9451,"sentiment":"neutral","sentiment_score":0.04253538325428963}],"sentiment":"neutral","sentiment_score":0.04253538325428963,"channel":0,"num_words":1,"start":1160.4451,"end":1160.9451},{"sentences":[{"text":"Yes.","start":1161.09,"end":1161.59,"sentiment":"neutral","sentiment_score":0.043337106704711914}],"sentiment":"neutral","sentiment_score":0.043337106704711914,"channel":1,"num_words":1,"start":1161.09,"end":1161.59},{"sentences":[{"text":"For the super and the life insurance, that's okay.","start":1161.9,"end":1164.7201,"sentiment":"positive","sentiment_score":0.33826412591669297},{"text":"And, again, you said you just recently fixed that up with Clearview, so thank you for that.","start":1165.26,"end":1169.28,"sentiment":"positive","sentiment_score":0.5996126813047072}],"sentiment":"positive","sentiment_score":0.5091458736703947,"channel":0,"num_words":26,"start":1161.9,"end":1169.28},{"sentences":[{"text":"Mhmm.","start":1170.135,"end":1170.635,"sentiment":"neutral","sentiment_score":-0.001969936303794384}],"sentiment":"neutral","sentiment_score":-0.001969936303794384,"channel":1,"num_words":1,"start":1170.135,"end":1170.635},{"sentences":[{"text":"With the kind of insolvency side of things, this is just a new question for us.","start":1171.8201,"end":1177.535,"sentiment":"neutral","sentiment_score":-0.10717425844632089},{"text":"Have you guys ever gone through, like, a bankruptcy before or a part nine debt 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on.","start":1185.035,"end":1191.62,"sentiment":"neutral","sentiment_score":-0.08755731670872162},{"text":"Perfect.","start":1193.52,"end":1194.0,"sentiment":"positive","sentiment_score":0.3632691502571106},{"text":"Now when it comes to the superannuation, have you do you usually log into it?","start":1194.0,"end":1197.28,"sentiment":"neutral","sentiment_score":0.06126535907387733}],"sentiment":"neutral","sentiment_score":-0.011004039312939386,"channel":0,"num_words":37,"start":1183.915,"end":1197.28},{"sentences":[{"text":"I know you've been a client for a few years now.","start":1197.28,"end":1199.12,"sentiment":"neutral","sentiment_score":0.05281828394667669},{"text":"Do you check it every now and then?","start":1199.12,"end":1200.56,"sentiment":"neutral","sentiment_score":0.020770044648088515},{"text":"Or","start":1200.56,"end":1201.06,"sentiment":"neutral","sentiment_score":0.01936834491789341}],"sentiment":"neutral","sentiment_score":0.03832649127580225,"channel":0,"num_words":20,"start":1197.28,"end":1201.06},{"sentences":[{"text":"Yeah.","start":1201.255,"end":1201.575,"sentiment":"neutral","sentiment_score":0.0550190731883049},{"text":"I've got it on the app, and I just go and have a little look and just see how it's going.","start":1201.575,"end":1206.695,"sentiment":"neutral","sentiment_score":0.1026443580076808},{"text":"I'll be honest.","start":1206.695,"end":1207.335,"sentiment":"neutral","sentiment_score":-0.009599613646666208},{"text":"I don't actually have.","start":1207.335,"end":1208.635,"sentiment":"neutral","sentiment_score":-0.10388925857841969},{"text":"My partner talks me through 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be?","start":1235.555,"end":1243.63,"sentiment":"neutral","sentiment_score":-0.04491434246301651}],"sentiment":"neutral","sentiment_score":-0.04182448983192444,"channel":0,"num_words":30,"start":1234.595,"end":1243.63},{"sentences":[{"text":"I do know that we have got it set in in a higher risk","start":1243.9299,"end":1247.3099,"sentiment":"neutral","sentiment_score":-0.07232482970825263}],"sentiment":"neutral","sentiment_score":-0.07232482970825263,"channel":1,"num_words":14,"start":1243.9299,"end":1247.3099},{"sentences":[{"text":"Yep.","start":1247.77,"end":1248.27,"sentiment":"neutral","sentiment_score":-0.04146159440279007}],"sentiment":"neutral","sentiment_score":-0.04146159440279007,"channel":0,"num_words":1,"start":1247.77,"end":1248.27},{"sentences":[{"text":"just because we've got longer till we retire so that there's more opportunity 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you","start":1267.4299,"end":1269.2699,"sentiment":"neutral","sentiment_score":0.23112207278609276}],"sentiment":"neutral","sentiment_score":0.2127161550928246,"channel":0,"num_words":55,"start":1254.505,"end":1269.2699},{"sentences":[{"text":"Mhmm.","start":1269.24,"end":1269.74,"sentiment":"neutral","sentiment_score":0.1383315771818161}],"sentiment":"neutral","sentiment_score":0.1383315771818161,"channel":1,"num_words":1,"start":1269.24,"end":1269.74},{"sentences":[{"text":"too?","start":1269.2699,"end":1269.7699,"sentiment":"neutral","sentiment_score":0.11446060985326768}],"sentiment":"neutral","sentiment_score":0.11446060985326768,"channel":0,"num_words":1,"start":1269.2699,"end":1269.7699},{"sentences":[{"text":"It does.","start":1269.9601,"end":1270.6,"sentiment":"neutral","sentiment_score":0.19898991286754608},{"text":"Yes.","start":1270.6,"end":1271.1,"sentiment":"neutral","sentiment_score":0.16695766150951383}],"sentiment":"neutral","sentiment_score":0.188312495748202,"channel":1,"num_words":3,"start":1269.9601,"end":1271.1},{"sentences":[{"text":"Yep.","start":1270.95,"end":1271.4299,"sentiment":"neutral","sentiment_score":0.18270650506019592},{"text":"Perfect.","start":1271.4299,"end":1271.9299,"sentiment":"neutral","sentiment_score":0.03992057591676712},{"text":"The reason why I asked that question is because when I looked at your portfolio before this call, I did notice it was quite aggressive to the point where it's pretty much all in growth assets.","start":1272.3099,"end":1283.215,"sentiment":"neutral","sentiment_score":0.033130499741269484},{"text":"So it's pretty much all in shares, property, gold, and so on.","start":1283.355,"end":1286.975,"sentiment":"neutral","sentiment_score":0.06008231391509374},{"text":"Quite aggressive.","start":1287.755,"end":1288.655,"sentiment":"neutral","sentiment_score":0.1737632155418396}],"sentiment":"neutral","sentiment_score":0.04776613980245132,"channel":0,"num_words":52,"start":1270.95,"end":1288.655},{"sentences":[{"text":"It had quite a lot of growth last year, jumped from, I think, 83,000 to 102,000.","start":1289.035,"end":1295.135,"sentiment":"neutral","sentiment_score":0.11283300537616014},{"text":"Lo and behold, after a 30% increase, the markets have been tumbling down since Christmas, and it's sitting at a 104,000 at the moment.","start":1295.49,"end":1304.15,"sentiment":"neutral","sentiment_score":-0.33068562112748623},{"text":"So","start":1304.37,"end":1304.61,"sentiment":"neutral","sentiment_score":-0.08764128386974335}],"sentiment":"neutral","sentiment_score":-0.15167727085148416,"channel":0,"num_words":41,"start":1289.035,"end":1304.61},{"sentences":[{"text":"Yeah.","start":1304.59,"end":1305.09,"sentiment":"neutral","sentiment_score":-0.1000744104385376}],"sentiment":"neutral","sentiment_score":-0.1000744104385376,"channel":1,"num_words":1,"start":1304.59,"end":1305.09},{"sentences":[{"text":"this is kind of that roller coaster that we talk about when we talk about going into a high growth","start":1304.61,"end":1310.15,"sentiment":"neutral","sentiment_score":-0.13149801827967167}],"sentiment":"neutral","sentiment_score":-0.13149801827967167,"channel":0,"num_words":20,"start":1304.61,"end":1310.15},{"sentences":[{"text":"Yeah.","start":1311.4149,"end":1311.9149,"sentiment":"neutral","sentiment_score":-0.1266796886920929}],"sentiment":"neutral","sentiment_score":-0.1266796886920929,"channel":1,"num_words":1,"start":1311.4149,"end":1311.9149},{"sentences":[{"text":"risk category.","start":1312.195,"end":1313.015,"sentiment":"neutral","sentiment_score":-0.18431028723716736}],"sentiment":"neutral","sentiment_score":-0.18431028723716736,"channel":0,"num_words":2,"start":1312.195,"end":1313.015},{"sentences":[{"text":"And, obviously, everything that's going on across the world, it does obviously bring in a little bit of nerve there, but I suppose it's all the, like because swings and roundabouts with it, really.","start":1313.495,"end":1327.61,"sentiment":"neutral","sentiment_score":-0.20959091055042603},{"text":"Like, it's just sort of like, this is sort of how it goes, and I just kind of my partner just says to hang on and just say we will be it'll sort itself out.","start":1327.61,"end":1336.6849,"sentiment":"neutral","sentiment_score":-0.10297030061483384},{"text":"It'll balance itself out long term.","start":1336.6849,"end":1338.605,"sentiment":"neutral","sentiment_score":-0.04284610537191232},{"text":"So","start":1338.605,"end":1339.005,"sentiment":"neutral","sentiment_score":0.00034192949533462524}],"sentiment":"neutral","sentiment_score":-0.144562976091708,"channel":1,"num_words":76,"start":1313.495,"end":1339.005},{"sentences":[{"text":"Yeah.","start":1339.745,"end":1340.0651,"sentiment":"neutral","sentiment_score":-0.009024137631058691},{"text":"I guess the way I would explain it too is we always talk about, like, market cycles, and it's on average, like, every seven years that the stock markets grow for five or six","start":1340.0651,"end":1350.24,"sentiment":"neutral","sentiment_score":-0.021242972846855137}],"sentiment":"neutral","sentiment_score":-0.020893863269260952,"channel":0,"num_words":35,"start":1339.745,"end":1350.24},{"sentences":[{"text":"Mhmm.","start":1350.1901,"end":1350.6901,"sentiment":"neutral","sentiment_score":-0.03355943411588669}],"sentiment":"neutral","sentiment_score":-0.03355943411588669,"channel":1,"num_words":1,"start":1350.1901,"end":1350.6901},{"sentences":[{"text":"years, and then there's some sort of event.","start":1350.24,"end":1352.0801,"sentiment":"neutral","sentiment_score":-0.07757580606266856},{"text":"There's a global financial crisis, a COVID, a war somewhere, and the markets take a bit of a tumble, and that tends to repeat every seven years or so.","start":1352.0801,"end":1361.985,"sentiment":"neutral","sentiment_score":-0.16193207995644932},{"text":"So the main","start":1362.225,"end":1363.345,"sentiment":"neutral","sentiment_score":-0.0078051698704560595}],"sentiment":"neutral","sentiment_score":-0.13350130692124368,"channel":0,"num_words":40,"start":1350.24,"end":1363.345},{"sentences":[{"text":"Okay.","start":1363.15,"end":1363.65,"sentiment":"neutral","sentiment_score":0.02111213095486164}],"sentiment":"neutral","sentiment_score":0.02111213095486164,"channel":1,"num_words":1,"start":1363.15,"end":1363.65},{"sentences":[{"text":"plan, I guess, for you guys is your contributions go in.","start":1363.345,"end":1366.3049,"sentiment":"neutral","sentiment_score":0.09818083420395851},{"text":"You get to continuously buy up all these assets and repeat those cycles.","start":1366.3049,"end":1370.465,"sentiment":"neutral","sentiment_score":0.10982646535222347},{"text":"So when it goes down, you get to buy a few more properties for a cheaper price.","start":1370.465,"end":1374.325,"sentiment":"neutral","sentiment_score":0.10101178069325055},{"text":"You probably don't wanna still be aggressive at the age of 59, though, because you probably don't","start":1374.545,"end":1379.67,"sentiment":"neutral","sentiment_score":-0.1735917321022819}],"sentiment":"neutral","sentiment_score":0.021963345721877855,"channel":0,"num_words":58,"start":1363.345,"end":1379.67},{"sentences":[{"text":"No.","start":1379.64,"end":1380.14,"sentiment":"neutral","sentiment_score":-0.2568468451499939}],"sentiment":"neutral","sentiment_score":-0.2568468451499939,"channel":1,"num_words":1,"start":1379.64,"end":1380.14},{"sentences":[{"text":"wanna lose half your super a year before you go to live on it with the stock","start":1379.67,"end":1383.1901,"sentiment":"neutral","sentiment_score":-0.30406179498223695}],"sentiment":"neutral","sentiment_score":-0.30406179498223695,"channel":0,"num_words":17,"start":1379.67,"end":1383.1901},{"sentences":[{"text":"Yep.","start":1383.0801,"end":1383.5801,"sentiment":"neutral","sentiment_score":-0.13149844110012054}],"sentiment":"neutral","sentiment_score":-0.13149844110012054,"channel":1,"num_words":1,"start":1383.0801,"end":1383.5801},{"sentences":[{"text":"market crash.","start":1383.1901,"end":1383.91,"sentiment":"neutral","sentiment_score":-0.17952866852283478},{"text":"Does that make sense?","start":1383.91,"end":1384.89,"sentiment":"neutral","sentiment_score":-0.017167961224913597}],"sentiment":"neutral","sentiment_score":-0.07128819699088733,"channel":0,"num_words":6,"start":1383.1901,"end":1384.89},{"sentences":[{"text":"Yep.","start":1384.92,"end":1385.4,"sentiment":"neutral","sentiment_score":0.0856434553861618},{"text":"That's fine.","start":1385.4,"end":1386.2001,"sentiment":"neutral","sentiment_score":0.1488429792225361}],"sentiment":"neutral","sentiment_score":0.127776471277078,"channel":1,"num_words":3,"start":1384.92,"end":1386.2001},{"sentences":[{"text":"Yep.","start":1385.75,"end":1386.25,"sentiment":"neutral","sentiment_score":0.07316599041223526}],"sentiment":"neutral","sentiment_score":0.07316599041223526,"channel":0,"num_words":1,"start":1385.75,"end":1386.25},{"sentences":[{"text":"Yep.","start":1386.2001,"end":1386.7001,"sentiment":"neutral","sentiment_score":0.05871037766337395}],"sentiment":"neutral","sentiment_score":0.05871037766337395,"channel":1,"num_words":1,"start":1386.2001,"end":1386.7001},{"sentences":[{"text":"So one thing that we do keep an eye on is even though you're in high risk, that doesn't mean that we're being sort of, how do you say, excessive with the risk level, anything too crazy.","start":1386.4701,"end":1397.575,"sentiment":"neutral","sentiment_score":-0.09207746195229324}],"sentiment":"neutral","sentiment_score":-0.09207746195229324,"channel":0,"num_words":37,"start":1386.4701,"end":1397.575},{"sentences":[{"text":"Okay.","start":1398.345,"end":1398.845,"sentiment":"neutral","sentiment_score":0.21530187129974365}],"sentiment":"neutral","sentiment_score":0.21530187129974365,"channel":1,"num_words":1,"start":1398.345,"end":1398.845},{"sentences":[{"text":"Most of the options have been doing really well.","start":1399.715,"end":1401.7949,"sentiment":"positive","sentiment_score":0.460954444275962},{"text":"So overall, most of your options have been having some pretty good growth.","start":1401.7949,"end":1405.495,"sentiment":"positive","sentiment_score":0.676808435183305},{"text":"You've got about eight or nine options in there.","start":1406.3099,"end":1408.57,"sentiment":"positive","sentiment_score":0.39875875247849357},{"text":"Even your I don't know if your partner talks about gold and silver and that kind of thing.","start":1408.7899,"end":1412.71,"sentiment":"neutral","sentiment_score":0.0034159275754872295},{"text":"Does he mention that much?","start":1412.71,"end":1414.01,"sentiment":"neutral","sentiment_score":-0.010164838656783104}],"sentiment":"neutral","sentiment_score":0.3064183505786652,"channel":0,"num_words":54,"start":1399.715,"end":1414.01},{"sentences":[{"text":"A little bit.","start":1414.37,"end":1415.1901,"sentiment":"neutral","sentiment_score":-0.005002304911613464},{"text":"Not hate, but my understanding is sort of because it generally holds its value.","start":1416.6901,"end":1421.43,"sentiment":"neutral","sentiment_score":-0.025798337001885687}],"sentiment":"neutral","sentiment_score":-0.022128448985955295,"channel":1,"num_words":17,"start":1414.37,"end":1421.43},{"sentences":[{"text":"Yeah.","start":1422.325,"end":1422.565,"sentiment":"neutral","sentiment_score":0.049044542014598846},{"text":"It's something that holds its value long very, very long term over hundreds of years, but sometimes you have these scenarios where the world goes crazy.","start":1422.565,"end":1430.505,"sentiment":"neutral","sentiment_score":0.010570703074336052},{"text":"And towards the end of last year, gold and silver went up, like, 500%.","start":1430.88,"end":1434.9,"sentiment":"neutral","sentiment_score":0.18040120974183083},{"text":"Everyone's super got a nice little bonus out of that because we had you in a little bit of that, and then it's kind of dropping down after Christmas as well.","start":1435.4401,"end":1443.6,"sentiment":"neutral","sentiment_score":0.2526456696852561},{"text":"So everything's looking pretty good.","start":1443.6,"end":1445.285,"sentiment":"positive","sentiment_score":0.43473138809204104}],"sentiment":"neutral","sentiment_score":0.16695029167579367,"channel":0,"num_words":77,"start":1422.325,"end":1445.285},{"sentences":[{"text":"There is one option that kind of concerns me a little bit, and it's essentially a a Benelon option that has your Australian shares.","start":1445.285,"end":1453.685,"sentiment":"neutral","sentiment_score":-0.07676254414642851},{"text":"So think of it as, like, your Commonwealth Bank, Rio Tinto, all the companies that you own in Australia as","start":1453.685,"end":1460.0,"sentiment":"neutral","sentiment_score":-0.059404277987778184}],"sentiment":"neutral","sentiment_score":-0.06887242316522381,"channel":0,"num_words":44,"start":1445.285,"end":1460.0},{"sentences":[{"text":"Mhmm.","start":1459.87,"end":1460.37,"sentiment":"neutral","sentiment_score":-0.13421189785003662}],"sentiment":"neutral","sentiment_score":-0.13421189785003662,"channel":1,"num_words":1,"start":1459.87,"end":1460.37},{"sentences":[{"text":"kind of underperforming a little bit.","start":1460.0,"end":1462.1001,"sentiment":"neutral","sentiment_score":-0.26714689781268436}],"sentiment":"neutral","sentiment_score":-0.26714689781268436,"channel":0,"num_words":6,"start":1460.0,"end":1462.1001},{"sentences":[{"text":"Okay.","start":1463.7899,"end":1464.2899,"sentiment":"neutral","sentiment_score":-0.03822990506887436}],"sentiment":"neutral","sentiment_score":-0.03822990506887436,"channel":1,"num_words":1,"start":1463.7899,"end":1464.2899},{"sentences":[{"text":"So","start":1464.4801,"end":1464.8,"sentiment":"neutral","sentiment_score":-0.032119203358888626}],"sentiment":"neutral","sentiment_score":-0.032119203358888626,"channel":0,"num_words":1,"start":1464.4801,"end":1464.8},{"sentences":[{"text":"Okay.","start":1464.59,"end":1465.09,"sentiment":"neutral","sentiment_score":-0.03632017970085144}],"sentiment":"neutral","sentiment_score":-0.03632017970085144,"channel":1,"num_words":1,"start":1464.59,"end":1465.09},{"sentences":[{"text":"so one thing that I might do is if you're comfortable with that long term view, the long term risk level is I might just find a better alternative to switch them out like for like.","start":1464.8,"end":1475.4551,"sentiment":"neutral","sentiment_score":-0.07289621296028297}],"sentiment":"neutral","sentiment_score":-0.07289621296028297,"channel":0,"num_words":36,"start":1464.8,"end":1475.4551},{"sentences":[{"text":"I'm happy with that.","start":1475.895,"end":1476.775,"sentiment":"neutral","sentiment_score":0.1935073547065258},{"text":"Yeah.","start":1476.775,"end":1477.275,"sentiment":"neutral","sentiment_score":0.13964614272117615}],"sentiment":"neutral","sentiment_score":0.18273511230945588,"channel":1,"num_words":5,"start":1475.895,"end":1477.275},{"sentences":[{"text":"Cool.","start":1477.515,"end":1478.015,"sentiment":"neutral","sentiment_score":0.24244895577430725},{"text":"Everything else will pretty much remain the same.","start":1478.3151,"end":1480.235,"sentiment":"neutral","sentiment_score":0.21693100035190582},{"text":"I'll look to update that one option.","start":1480.235,"end":1482.175,"sentiment":"neutral","sentiment_score":0.10705676355532237},{"text":"We've already sent you through.","start":1483.32,"end":1484.9199,"sentiment":"neutral","sentiment_score":0.0915528491139412},{"text":"Did you get an email from us about an ROA record of advice for a bit of a change that we made?","start":1484.9199,"end":1491.5,"sentiment":"neutral","sentiment_score":0.057439432394775475}],"sentiment":"neutral","sentiment_score":0.10345874562166459,"channel":0,"num_words":43,"start":1477.515,"end":1491.5},{"sentences":[{"text":"Bear with me one sec.","start":1495.03,"end":1496.79,"sentiment":"neutral","sentiment_score":0.008232210762798786},{"text":"My I should have a Respondents.","start":1496.79,"end":1507.8049,"sentiment":"neutral","sentiment_score":0.03602670102069775},{"text":"Yes.","start":1508.345,"end":1508.585,"sentiment":"neutral","sentiment_score":0.06172694265842438},{"text":"Say yes.","start":1508.585,"end":1509.965,"sentiment":"neutral","sentiment_score":0.05438743904232979},{"text":"From Clearview.","start":1510.105,"end":1510.9249,"sentiment":"neutral","sentiment_score":0.03314919024705887}],"sentiment":"neutral","sentiment_score":0.030882591323461384,"channel":1,"num_words":16,"start":1495.03,"end":1510.9249},{"sentences":[{"text":"It'll be just before the Clearview one.","start":1512.23,"end":1513.99,"sentiment":"neutral","sentiment_score":0.025170940639717237},{"text":"I'm actually just gonna quickly scroll back.","start":1513.99,"end":1516.47,"sentiment":"neutral","sentiment_score":0.023502781188913753},{"text":"You would have received it, I think, on the March 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imagine.","start":1527.185,"end":1528.005,"sentiment":"neutral","sentiment_score":-0.06545319159825642}],"sentiment":"neutral","sentiment_score":-0.06545319159825642,"channel":0,"num_words":3,"start":1527.185,"end":1528.005},{"sentences":[{"text":"why","start":1527.73,"end":1528.23,"sentiment":"neutral","sentiment_score":-0.018234916031360623}],"sentiment":"neutral","sentiment_score":-0.018234916031360623,"channel":1,"num_words":1,"start":1527.73,"end":1528.23},{"sentences":[{"text":"That's fair.","start":1528.2251,"end":1529.125,"sentiment":"neutral","sentiment_score":0.006173508474603295},{"text":"No worries.","start":1529.425,"end":1530.165,"sentiment":"neutral","sentiment_score":0.04070276953279972}],"sentiment":"neutral","sentiment_score":0.023438139003701508,"channel":0,"num_words":4,"start":1528.2251,"end":1530.165},{"sentences":[{"text":"Fifteen, fourteen, 13.","start":1534.3351,"end":1539.3151,"sentiment":"neutral","sentiment_score":0.019484587324162323}],"sentiment":"neutral","sentiment_score":0.019484587324162323,"channel":1,"num_words":3,"start":1534.3351,"end":1539.3151},{"sentences":[{"text":"And the subject heading should be Netwealth portfolio update record of advice.","start":1544.495,"end":1550.4349,"sentiment":"neutral","sentiment_score":0.025454589320967596}],"sentiment":"neutral","sentiment_score":0.025454589320967596,"channel":0,"num_words":12,"start":1544.495,"end":1550.4349},{"sentences":[{"text":"Yes.","start":1551.2301,"end":1551.55,"sentiment":"neutral","sentiment_score":0.020338602364063263},{"text":"Sorry.","start":1551.55,"end":1552.05,"sentiment":"neutral","sentiment_score":0.006593839265406132},{"text":"Yes.","start":1552.1101,"end":1552.43,"sentiment":"neutral","sentiment_score":0.04783991724252701},{"text":"I did get this.","start":1552.43,"end":1553.4901,"sentiment":"neutral","sentiment_score":0.03949881810694933}],"sentiment":"neutral","sentiment_score":0.03325251875711339,"channel":1,"num_words":7,"start":1551.2301,"end":1553.4901},{"sentences":[{"text":"No.","start":1553.855,"end":1554.095,"sentiment":"neutral","sentiment_score":-0.03904179111123085},{"text":"That's okay.","start":1554.095,"end":1554.835,"sentiment":"neutral","sentiment_score":-0.004715349525213242},{"text":"What that's basically saying is that we had flagged this one option around Christmas time.","start":1554.975,"end":1561.74,"sentiment":"neutral","sentiment_score":0.0103883462647597},{"text":"And, normally, whenever we change your investments, we go through, like, a statement of advice.","start":1561.7999,"end":1566.12,"sentiment":"neutral","sentiment_score":0.03798389161626498},{"text":"I give you a a new document, and we walk through and talk about, we think we should change to 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crazy.","start":1576.025,"end":1585.965,"sentiment":"neutral","sentiment_score":0.047476253058347434}],"sentiment":"neutral","sentiment_score":0.051965097352018895,"channel":0,"num_words":53,"start":1571.705,"end":1585.965},{"sentences":[{"text":"Okay.","start":1586.35,"end":1586.75,"sentiment":"neutral","sentiment_score":0.13186630606651306},{"text":"Yep.","start":1586.75,"end":1587.07,"sentiment":"neutral","sentiment_score":0.22539375722408295},{"text":"That's fine.","start":1587.07,"end":1587.8099,"sentiment":"positive","sentiment_score":0.394570916891098}],"sentiment":"neutral","sentiment_score":0.286600474268198,"channel":1,"num_words":4,"start":1586.35,"end":1587.8099},{"sentences":[{"text":"Cool.","start":1588.2001,"end":1588.68,"sentiment":"positive","sentiment_score":0.6020606160163879},{"text":"So the portfolio is pretty well updated.","start":1588.68,"end":1590.86,"sentiment":"positive","sentiment_score":0.6907131331307548},{"text":"You should see the performance change pretty well throughout the year.","start":1591.4,"end":1594.28,"sentiment":"positive","sentiment_score":0.6846534013748169},{"text":"So once the market starts going up, you and your partner should see that reflected in your balance as well.","start":1594.28,"end":1599.885,"sentiment":"positive","sentiment_score":0.4768137201666832}],"sentiment":"positive","sentiment_score":0.5770388299073929,"channel":0,"num_words":39,"start":1588.2001,"end":1599.885},{"sentences":[{"text":"Awesome.","start":1600.215,"end":1600.715,"sentiment":"positive","sentiment_score":0.6850392818450928},{"text":"Thank you.","start":1600.775,"end":1601.515,"sentiment":"positive","sentiment_score":0.6577662825584412}],"sentiment":"positive","sentiment_score":0.6668572823206583,"channel":1,"num_words":3,"start":1600.215,"end":1601.515},{"sentences":[{"text":"Perfect.","start":1601.805,"end":1602.285,"sentiment":"positive","sentiment_score":0.5245551466941833},{"text":"So at this point, I'm pretty much gonna look at bumping up the income protection, get you a little bit of a trauma quote, and just remind you guys to get a will at some point as well.","start":1602.285,"end":1611.025,"sentiment":"neutral","sentiment_score":0.21263951612146278},{"text":"Is there","start":1611.165,"end":1611.805,"sentiment":"neutral","sentiment_score":0.05340825207531452}],"sentiment":"neutral","sentiment_score":0.21247983569415604,"channel":0,"num_words":41,"start":1601.805,"end":1611.805},{"sentences":[{"text":"Sure.","start":1611.48,"end":1611.98,"sentiment":"neutral","sentiment_score":0.0647648498415947}],"sentiment":"neutral","sentiment_score":0.0647648498415947,"channel":1,"num_words":1,"start":1611.48,"end":1611.98},{"sentences":[{"text":"anything else that you would like to talk about in this review?","start":1611.805,"end":1614.9451,"sentiment":"neutral","sentiment_score":0.06906607560813427}],"sentiment":"neutral","sentiment_score":0.06906607560813427,"channel":0,"num_words":12,"start":1611.805,"end":1614.9451},{"sentences":[{"text":"No.","start":1615.3251,"end":1615.725,"sentiment":"neutral","sentiment_score":-0.044007811695337296},{"text":"That that's been everything.","start":1615.725,"end":1617.025,"sentiment":"neutral","sentiment_score":-0.050819949712604284},{"text":"I think the trauma insurance, I'll I'll sit on that for the minute, but I just I I do wanna know what it would be.","start":1617.085,"end":1623.345,"sentiment":"neutral","sentiment_score":0.01184344157576561}],"sentiment":"neutral","sentiment_score":0.0016266142949461937,"channel":1,"num_words":30,"start":1615.3251,"end":1623.345},{"sentences":[{"text":"Yep.","start":1624.03,"end":1624.53,"sentiment":"neutral","sentiment_score":0.1036166399717331}],"sentiment":"neutral","sentiment_score":0.1036166399717331,"channel":0,"num_words":1,"start":1624.03,"end":1624.53},{"sentences":[{"text":"But, yeah, everything else sounds good.","start":1624.285,"end":1627.025,"sentiment":"neutral","sentiment_score":0.2048396443327268}],"sentiment":"neutral","sentiment_score":0.2048396443327268,"channel":1,"num_words":6,"start":1624.285,"end":1627.025},{"sentences":[{"text":"No.","start":1627.725,"end":1627.965,"sentiment":"neutral","sentiment_score":0.05918159335851669},{"text":"That's totally fine.","start":1627.965,"end":1628.845,"sentiment":"neutral","sentiment_score":0.14375845591227213},{"text":"What I'll do is I'll include the information in there.","start":1628.845,"end":1631.505,"sentiment":"neutral","sentiment_score":0.13328347280621528},{"text":"And","start":1631.645,"end":1632.045,"sentiment":"neutral","sentiment_score":0.11431921273469924}],"sentiment":"neutral","sentiment_score":0.12917406012614568,"channel":0,"num_words":15,"start":1627.725,"end":1632.045},{"sentences":[{"text":"Yep.","start":1631.7401,"end":1632.2401,"sentiment":"neutral","sentiment_score":0.12718379497528076}],"sentiment":"neutral","sentiment_score":0.12718379497528076,"channel":1,"num_words":1,"start":1631.7401,"end":1632.2401},{"sentences":[{"text":"at the bottom of the document when we walk through it, there'll be a signature box, and you can pretty much say, I would like to go ahead with both of them, one of them, whatever you prefer.","start":1632.045,"end":1641.905,"sentiment":"neutral","sentiment_score":0.17212881402749763}],"sentiment":"neutral","sentiment_score":0.17212881402749763,"channel":0,"num_words":38,"start":1632.045,"end":1641.905},{"sentences":[{"text":"Perfect.","start":1642.395,"end":1642.895,"sentiment":"neutral","sentiment_score":0.2281295359134674},{"text":"Sounds good.","start":1642.9551,"end":1643.515,"sentiment":"positive","sentiment_score":0.8295678198337555},{"text":"Thank you.","start":1643.515,"end":1644.255,"sentiment":"positive","sentiment_score":0.8156437575817108}],"sentiment":"positive","sentiment_score":0.70371053814888,"channel":1,"num_words":5,"start":1642.395,"end":1644.255},{"sentences":[{"text":"Awesome.","start":1644.5801,"end":1644.98,"sentiment":"positive","sentiment_score":0.7558544874191284},{"text":"Anything else for me before I let you go, Danielle?","start":1644.98,"end":1647.0,"sentiment":"neutral","sentiment_score":0.2908467188477516}],"sentiment":"neutral","sentiment_score":0.3331201523542404,"channel":0,"num_words":11,"start":1644.5801,"end":1647.0},{"sentences":[{"text":"No.","start":1647.1951,"end":1647.515,"sentiment":"neutral","sentiment_score":-0.01701514422893524},{"text":"That was all.","start":1647.515,"end":1648.0751,"sentiment":"neutral","sentiment_score":0.15211511900027594},{"text":"Thank you for your help.","start":1648.0751,"end":1649.135,"sentiment":"positive","sentiment_score":0.7344808220863343}],"sentiment":"positive","sentiment_score":0.4568593692448404,"channel":1,"num_words":9,"start":1647.1951,"end":1649.135},{"sentences":[{"text":"Amazing.","start":1649.86,"end":1650.36,"sentiment":"positive","sentiment_score":0.7324641942977905},{"text":"I will send you through an annual review pack tomorrow, and that'll","start":1650.5,"end":1654.42,"sentiment":"positive","sentiment_score":0.44451843450466794}],"sentiment":"positive","sentiment_score":0.4666681083349081,"channel":0,"num_words":13,"start":1649.86,"end":1654.42},{"sentences":[{"text":"Mhmm.","start":1654.155,"end":1654.655,"sentiment":"neutral","sentiment_score":0.17237430810928345}],"sentiment":"neutral","sentiment_score":0.17237430810928345,"channel":1,"num_words":1,"start":1654.155,"end":1654.655},{"sentences":[{"text":"just have, like, your updated service agreement, a financial services guide, all of your reports, and everything attached.","start":1654.42,"end":1660.585,"sentiment":"positive","sentiment_score":0.34827913095553714},{"text":"So if you could have a look at that email tomorrow, that would be amazing.","start":1660.585,"end":1663.485,"sentiment":"positive","sentiment_score":0.5180804312229157}],"sentiment":"positive","sentiment_score":0.42546154016798193,"channel":0,"num_words":33,"start":1654.42,"end":1663.485},{"sentences":[{"text":"I'll do that for you.","start":1663.6599,"end":1664.7,"sentiment":"positive","sentiment_score":0.6983758568763733},{"text":"Thank you.","start":1664.7,"end":1665.44,"sentiment":"positive","sentiment_score":0.7299879789352417}],"sentiment":"positive","sentiment_score":0.7074078917503357,"channel":1,"num_words":7,"start":1663.6599,"end":1665.44},{"sentences":[{"text":"Awesome.","start":1665.705,"end":1666.105,"sentiment":"positive","sentiment_score":0.7872672080993652},{"text":"Have a great night.","start":1666.105,"end":1666.745,"sentiment":"positive","sentiment_score":0.7598843425512314},{"text":"Thank you so much for your time.","start":1666.745,"end":1668.205,"sentiment":"positive","sentiment_score":0.8321844679968697}],"sentiment":"positive","sentiment_score":0.8043413211901983,"channel":0,"num_words":12,"start":1665.705,"end":1668.205},{"sentences":[{"text":"You too.","start":1668.22,"end":1668.7799,"sentiment":"positive","sentiment_score":0.5025940537452698},{"text":"Bye.","start":1668.7799,"end":1669.2799,"sentiment":"neutral","sentiment_score":0.2879605293273926}],"sentiment":"positive","sentiment_score":0.43104954560597736,"channel":1,"num_words":3,"start":1668.22,"end":1669.2799},{"sentences":[{"text":"Bye.","start":1669.625,"end":1670.125,"sentiment":"neutral","sentiment_score":-0.09241829067468645}],"sentiment":"neutral","sentiment_score":-0.09241829067468645,"channel":0,"num_words":1,"start":1669.625,"end":1670.125}]},"summary":{"result":"success","short":"Representatives from Oakview Financial and Oakview Financial discuss annual reviews and retirement plans with Danielle, including her retirement savings and savings goals. They offer information about her income and savings goals, retirement risks, and investment portfolios. The agents suggest upgrading her home and checking for a better investment property, upgrading her life and disability coverage policies, and finding a better investment property. They also mention a trauma insurance and a financial services guide and suggest finding a better alternative to avoid losing money in the stock market."},"intents":{"segments":[{"text":"If you record your name and reason for calling, I'll see if this person is available. Hi, Danielle.","start_word":1,"end_word":18,"intents":[{"intent":"Discuss call recording/submissions","confidence_score":2.1026604e-8}]},{"text":"I think one of the things I did just wanna confirm is I just squared away my life insurance through Clearview, I think. Yes.","start_word":327,"end_word":350,"intents":[{"intent":"Confirm life insurance","confidence_score":0.3898604}]},{"text":"I'm on my base is basically $1.30 now. Amazing. Congratulations.","start_word":431,"end_word":440,"intents":[{"intent":"Confirm financial status","confidence_score":0.000009478687}]},{"text":"So I'll factor that into, you know, projections and whatnot and see how that's looking.","start_word":498,"end_word":512,"intents":[{"intent":"Factor in projections","confidence_score":0.22270337}]},{"text":"Are you still are you still a safety officer?","start_word":513,"end_word":521,"intents":[{"intent":"Explain safety officer role","confidence_score":0.15098837}]},{"text":"So a couple of quick questions for you then. I'm just gonna pull up your certificate of currency for your insurance policy. While I'm doing that, do you manage staff by any chance? No.","start_word":595,"end_word":628,"intents":[{"intent":"Ask about staff management","confidence_score":0.23168586}]},{"text":"Would you have any linking qualifications, degrees, anything like that that you've done to get this level of income? Yes.","start_word":648,"end_word":667,"intents":[{"intent":"Inquire about income level","confidence_score":0.021694342},{"intent":"Inquire about job qualification","confidence_score":0.0031912532}]},{"text":"The reason why I ask is because once you get above a 120,000, depending on qualifications and how managerial your duties are, you could potentially qualify for a better occupation rating with the insurer, which may Okay. make things a little bit more affordable. You're kind of on the cusp, but I'm gonna ask the question of them and see if I can get that updated potentially as well. Yep.","start_word":708,"end_word":777,"intents":[{"intent":"Update policy and address concerns","confidence_score":0.00064634753}]},{"text":"Are you still putting away around about 250 in savings per week, or has that gone up as well? It's kind of.","start_word":835,"end_word":856,"intents":[{"intent":"Determine savings for a wedding","confidence_score":0.0000673543}]},{"text":"A lot of it is in the offset. Yeah.","start_word":977,"end_word":985,"intents":[{"intent":"Confirm understanding of offset account","confidence_score":0.0007006559}]},{"text":"I'm assuming too that the the property probably would have jumped up quite a bit in value as well. Not sure It if has.","start_word":1000,"end_word":1023,"intents":[{"intent":"Assess property value","confidence_score":0.044188567}]},{"text":"We're we're not looking to sell. We just kind of wanted to get an idea of what the market is actually doing and what we had in equity. And then one of them came back within the last two, three weeks to say that based on recent sales, would now be looking closer to the home being 900,000. So Wow.","start_word":1070,"end_word":1129,"intents":[{"intent":"Obtain market information","confidence_score":0.002624819},{"intent":"Get a better understanding of the market and equity","confidence_score":0.0001978091}]},{"text":"That's mhmm. insane. Yep. Mhmm. So, yeah, that's that's been good. Perfect.","start_word":1130,"end_word":1141,"intents":[{"intent":"Express gratitude","confidence_score":0.002816529}]},{"text":"Why can't I log in? Sorry. I'm just trying to get into my Westpac, and it's just not No worries.","start_word":1166,"end_word":1185,"intents":[{"intent":"Log in to westpac","confidence_score":0.07444139}]},{"text":"Just while you're doing that, I'm just having a look at your income protection as well just to get a look at the figures. I'm just double checking.","start_word":1196,"end_word":1223,"intents":[{"intent":"Discuss income protection","confidence_score":0.045648184}]},{"text":"I'm not trying to put in the wrong password. No worries.","start_word":1224,"end_word":1234,"intents":[{"intent":"Review passwords","confidence_score":0.029940708}]},{"text":"Are they making you go into the emails and verifying all that fun stuff? Yeah. Yes. Okay.","start_word":1329,"end_word":1345,"intents":[{"intent":"Verify information","confidence_score":0.05636468}]},{"text":"Change my password. Now let me oh my gosh. Wow.","start_word":1348,"end_word":1357,"intents":[{"intent":"Change password","confidence_score":0.46066123}]},{"text":"Do you have much of a savings goal beyond the 73 for saving for the wedding and everything?","start_word":1417,"end_word":1434,"intents":[{"intent":"Discuss savings goal","confidence_score":0.08645026},{"intent":"Clarify savings goal","confidence_score":0.11733375}]},{"text":"Long term, we would like to, obviously, upgrade the house. So Perfect.","start_word":1527,"end_word":1538,"intents":[{"intent":"Plan house upgrade","confidence_score":0.011391473}]},{"text":"So would you say that, like, have you gone kind of spoken about how much the renovations might cost after the wedding, or is that kind Not of really.","start_word":1539,"end_word":1567,"intents":[{"intent":"Determine cost of renovations","confidence_score":0.029551722}]},{"text":"So at the moment, it kinda sounds like maybe, like, a one to three year goal to sort out the wedding and the renovations and then look to upgrade after that. I think so.","start_word":1614,"end_word":1647,"intents":[{"intent":"Express desire to sort out wedding and renovations","confidence_score":0.0021857866}]},{"text":"I'm not looking to use the equity for anything other than bit of an upgrade. My partner may he's always wanted an investment, so he could go to an investment property. K.","start_word":1675,"end_word":1706,"intents":[{"intent":"Discuss investment options","confidence_score":0.031357523}]},{"text":"I've just had a look at your income protection, and it's quite low compared to your income. So 4,336 a month worth of cover. So think of it as just over a thousand bucks a week you would get if you're off work for more than a month.","start_word":1765,"end_word":1812,"intents":[{"intent":"Discuss income protection","confidence_score":0.2625519}]},{"text":"you want me to shop around and see if there's a more affordable provider?","start_word":1947,"end_word":1960,"intents":[{"intent":"Inquire about affordable providers","confidence_score":0.000008335944}]},{"text":"I'll do an alteration quote with them as well, but do you want me to check both? I think yeah.","start_word":1961,"end_word":1980,"intents":[{"intent":"Request quote","confidence_score":0.079528525}]},{"text":"Your original goal was to cover the debts with a $100,000 buffer, so you've obviously trimmed down the debt quite a bit.","start_word":2107,"end_word":2128,"intents":[{"intent":"Reduce debts","confidence_score":0.0015903244}]},{"text":"So what I'll do, I can usually do, like, a baseline quote for a 100,000 is usually a good starting point. And Yep.","start_word":2384,"end_word":2406,"intents":[{"intent":"Get a start point","confidence_score":0.00019859684},{"intent":"Provide a quote","confidence_score":0.056590714}]},{"text":"What would be your maximum?","start_word":2460,"end_word":2464,"intents":[{"intent":"Calculate maximum price","confidence_score":0.0018210106}]},{"text":"Just before I jump on to the super and finish things off, I just want to check if you guys ended up getting, like, the will and power of attorney put in place. No.","start_word":2586,"end_word":2619,"intents":[{"intent":"Check will and power of attorney status","confidence_score":0.1720205}]},{"text":"Now when it comes to the superannuation, have you do you usually log into it? I know you've been a client for a few years now. Do you check it every now and then? Or Yeah.","start_word":2722,"end_word":2757,"intents":[{"intent":"Check account status","confidence_score":0.006877732}]},{"text":"The reason why I asked that question is because when I looked at your portfolio before this call, I did notice it was quite aggressive to the point where it's pretty much all in growth assets. So it's pretty much all in shares, property, gold, and so on. Quite aggressive.","start_word":2971,"end_word":3020,"intents":[{"intent":"Analyze portfolio costs","confidence_score":0.00070358766}]},{"text":"Most of the options have been doing really well. So overall, most of your options have been having some pretty good growth. You've got about eight or nine options in there. Even your I don't know if your partner talks about gold and silver and that kind of thing. Does he mention that much? A little bit.","start_word":3364,"end_word":3420,"intents":[{"intent":"Discuss options","confidence_score":0.02071366}]},{"text":"Even your I don't know if your partner talks about gold and silver and that kind of thing. Does he mention that much?","start_word":3395,"end_word":3417,"intents":[{"intent":"Discuss gold and silver","confidence_score":0.102860436}]},{"text":"Not hate, but my understanding is sort of because it generally holds its value. Yeah.","start_word":3421,"end_word":3435,"intents":[{"intent":"Discuss long term value","confidence_score":0.003779907}]},{"text":"There is one option that kind of concerns me a little bit, and it's essentially a a Benelon option that has your Australian shares. So think of it as, like, your Commonwealth Bank, Rio Tinto, all the companies that you own in Australia as Mhmm. kind of underperforming a little bit. Okay.","start_word":3512,"end_word":3563,"intents":[{"intent":"Update options","confidence_score":0.021611944}]},{"text":"Fifteen, fourteen, 13. And the subject heading should be Netwealth portfolio update record of advice. Yes.","start_word":3713,"end_word":3728,"intents":[{"intent":"Update portfolio information","confidence_score":0.11885714}]}]},"sentiments":{"segments":[{"text":"Hi. If you record your name and reason for calling, I'll see if this person is available. Hi, Danielle. It's Tommy here from Oakview Financial. Oh, Just giving you a call. Oh, Danielle. hi. How are you?","start_word":0,"end_word":36,"sentiment":"neutral","sentiment_score":0.06754333525896072},{"text":"Fantastic. How are you doing? Good.","start_word":37,"end_word":42,"sentiment":"positive","sentiment_score":0.489746630191803},{"text":"I literally turned on that new feature to screen calls, so when the number's not saved yesterday, so I don't know what's what's going on or what's happening or how it works. So yeah. Sorry. No worries at all. I've actually had that pop up about seven times this week, and it's the strangest feature because then after I give the message, it calls through to somebody. And half the time I get them, half the time it's a voice mail. So thank you for picking up. Appreciate Okay. that. Wow. Okay.","start_word":43,"end_word":134,"sentiment":"neutral","sentiment_score":-0.08414056897163391},{"text":"Oh, have fun.","start_word":135,"end_word":137,"sentiment":"positive","sentiment_score":0.4141952991485596},{"text":"I was giving you a call today to go through your annual review. Yeah. Kyle has gone home sick. So as the senior adviser, I wanted to just take the chance to jump on with you if you still had a bit of time. Yeah. Absolutely.","start_word":138,"end_word":183,"sentiment":"neutral","sentiment_score":0.004276650492101908},{"text":"Perfect. Thank you so much for that.","start_word":184,"end_word":190,"sentiment":"positive","sentiment_score":0.465856671333313},{"text":"Before I jump into any details, are you okay for the call to be recorded? Perfect. And usual security process, I'm registered with Asik as adviser one 273105. Are you okay to confirm your date of birth and address, please? Yes. 03/04/1991, and address is 1 Barrier Place, Mount Barker.","start_word":191,"end_word":240,"sentiment":"neutral","sentiment_score":0.06829323619604111},{"text":"Thank you so much for that, Danielle. Really appreciate it.","start_word":241,"end_word":250,"sentiment":"positive","sentiment_score":0.6220884323120117},{"text":"Now I've got a bit of an annual review pack to send through to you. Purpose of today's call, see how the soup is going and if we need to make any changes and just see if there's been any significant changes in your circumstances as well. Mhmm. Sure. Yep.","start_word":251,"end_word":300,"sentiment":"neutral","sentiment_score":0.1433037668466568},{"text":"Sounds good.","start_word":301,"end_word":302,"sentiment":"positive","sentiment_score":0.3866979479789734},{"text":"Just wanted to start off and ask you, is there anything in particular you would like to get out of this year's review? I think one of the things I did just wanna confirm is I just squared away my life insurance through Clearview, I think. Yes. I I didn't have a beneficiary set up on that. So I just wanted to make sure, like, my annual salary is reflective of what's on file your end and those sort of things. I just go through that sort of detail. Absolutely. But I'm yeah. assuming it's a little bit out of date because looking at contributions, I did a bit of a calculation, and I believe you'd be on a little over a 100,000 now. Is that right? Yes. I'm on my base is basically $1.30 now.","start_word":303,"end_word":438,"sentiment":"neutral","sentiment_score":0.01989618002313792},{"text":"Amazing. Congratulations. Yeah. Thank you.","start_word":439,"end_word":443,"sentiment":"positive","sentiment_score":0.544046938419342},{"text":"So it changed over the years. But, yes, I I don't think I've ever updated that. Yep. No. That's perfectly fine. I think last time we had it at 90, and I was looking at the contributions and going, no. That's Yeah. that's 6 figures. I can see that. Yeah.","start_word":444,"end_word":493,"sentiment":"neutral","sentiment_score":0.02703584730625153},{"text":"So good news. Absolutely.","start_word":494,"end_word":497,"sentiment":"positive","sentiment_score":0.4592314958572388},{"text":"So I'll factor that into, you know, projections and whatnot and see how that's looking. Are you still are you still a safety officer? It's technically kind of yes. Well, formal title is HSE advisor, so a bit of a promotion there. Okay. So yeah. It's when I explain it to people, it's easy to say I'm a safety officer to some people, but it Yeah. is more of a hybrid role, more of a support role, supporting safety officers and just more corporate, I guess. Yeah. Absolutely. So Still office space, of course. yes. Yep. Okay. So a couple of quick questions for you then. I'm just gonna pull up your certificate of currency for your insurance policy. While I'm doing that, do you manage staff by any chance? No. I don't. Cool. I Okay. am So I support six. and train, but I don't manage anyone. Perfect. Would you have any linking qualifications, degrees, anything like that that you've done to get this level of income? Yes. I've done my diploma of work health and safety. Yep. And I don't know if I would have included it. I did my cert four work health safety and then did my diploma of work health safety. And diploma. Okay. Yeah. The reason why I ask is because once you get above a 120,000, depending on qualifications and how managerial your duties are, you could potentially qualify for a better occupation rating with the insurer, which may Okay. make things a little bit more affordable. You're kind of on the cusp, but I'm gonna ask the question of them and see if I can get that updated potentially as well. Yep. Sure. K. For the policy, let me just bring that up. And it's what's the employer name, if you don't mind me asking? Sarah Constructions. Construction.","start_word":498,"end_word":803,"sentiment":"neutral","sentiment_score":0.0652652831346381},{"text":"Thank you very much for that. We've just kinda switched over to a new CRM, so I'm just making sure everything's up to date that we have. That'll be full time.","start_word":804,"end_word":834,"sentiment":"positive","sentiment_score":0.47948965430259705},{"text":"Are you still putting away around about 250 in savings per week, or has that gone up as well? It's kind of. Yeah. We are saving for a wedding, so it's a lot of it's going to that. Yeah. No. Totally fine. So saving towards a wedding. I was looking through the goals previously as well. You were paying off the car loan. I'm assuming you went on that holiday to Bali last year. Yes. I went to Bali. I think it was the year before last. We went to Europe last year Okay. for yeah. It was a month over there. My car's been paid off now, so that's nice. But yeah.","start_word":835,"end_word":947,"sentiment":"neutral","sentiment_score":0.13666830956935885},{"text":"So Perfect. Saving for a wedding.","start_word":948,"end_word":953,"sentiment":"positive","sentiment_score":0.40297168493270874},{"text":"If you don't mind me asking, have you guys got much put into either offset account, or is it just general savings account? A lot of it is in the offset. Yeah. Give me one sec. That is a good question. Why is it not working? I'm assuming too that the the property probably would have jumped up quite a bit in value as well. Not sure It if has. you've been keeping an eye on it. We had yeah. We've had a we had a real estate agent come out or we had three come out within the last, say, six months just Yeah. to get different perspectives, and one of them came back recently. We're we're not looking to sell. We just kind of wanted to get an idea of what the market is actually doing and what we had in equity. And then one of them came back within the last two, three weeks to say that based on recent sales, would now be looking closer to the home being 900,000. So Wow. That's mhmm. insane. Yep. Mhmm.","start_word":954,"end_word":1134,"sentiment":"neutral","sentiment_score":0.023067763003196507},{"text":"So, yeah, that's that's been good. Perfect.","start_word":1135,"end_word":1141,"sentiment":"positive","sentiment_score":0.46060553193092346},{"text":"So you'd have quite a bit of equity there. Yep. Have you guys gotten the loan under 400,000 now? Or Yes. Yep. It is. Why can't I log in? Sorry. I'm just trying to get into my Westpac, and it's just not No worries. I don't wanna come back. I wanna get in now. Just while you're doing that, I'm just having a look at your income protection as well just to get a look at the figures. I'm just double checking. I'm not trying to put in the wrong password. No worries. Yes, sir. I was. How silly. Okay. And let's go back to mhmm. Sorry. Sorry. I just I love when it's trying to make me doing a password. It's always the way. We always struggle with two factor authentication and password keepers and all kinds of things on the IT front. Yeah. It's just it's always when you just want something immediately, Yeah.","start_word":1142,"end_word":1297,"sentiment":"neutral","sentiment_score":-0.00366240250878036},{"text":"which is good.","start_word":1298,"end_word":1300,"sentiment":"positive","sentiment_score":0.3376719355583191},{"text":"I love the security, but, like, sometimes you just wanna get in and be like, cool. Next time. That's that's probably why they do it. No. That's fine. Are they making you go into the emails and verifying all that fun stuff? Yeah. Yes. Okay. Yep. Sorry. Change my password. Now let me oh my gosh. Wow. Okay. Sorry. Success? Yes.","start_word":1301,"end_word":1361,"sentiment":"neutral","sentiment_score":0.09624298161170522},{"text":"I'm so Fantastic.","start_word":1362,"end_word":1364,"sentiment":"positive","sentiment_score":0.3985883593559265},{"text":"sorry. That took quite too long. That's okay. No worries Okay. at all. So in the shared offset, there's 73, Okay. 73.","start_word":1365,"end_word":1386,"sentiment":"neutral","sentiment_score":0.015678875148296356},{"text":"Fantastic. Moving well done.","start_word":1387,"end_word":1390,"sentiment":"positive","sentiment_score":0.6056550741195679},{"text":"and And the home loan is down, yeah, $3.16 currently. $3.16.","start_word":1391,"end_word":1401,"sentiment":"neutral","sentiment_score":0.16491205990314484},{"text":"That's amazing.","start_word":1402,"end_word":1403,"sentiment":"positive","sentiment_score":0.641741931438446},{"text":"Alright. 900 value, $3.16 owing, 73 in the offset. Yeah.","start_word":1404,"end_word":1413,"sentiment":"neutral","sentiment_score":0.1596059948205948},{"text":"Fantastic.","start_word":1414,"end_word":1414,"sentiment":"positive","sentiment_score":0.4229056239128113},{"text":"I'm sorry. Do you have much of a savings goal beyond the 73 for saving for the wedding and everything? You're just kind of putting as much as you can in? I feel like it is just like, it heavily, it's my partner as well that's putting, like, most of the contributions into that. But it is at the minute, our focus is just, like, yeah, focusing on the wedding. And then we wouldn't mind doing a few things around the house as well just to sort of make it a little bit nicer. I mean, it's still Yeah. lovely, but, yeah, just making it a little bit nicer. But then yeah. Long term, we would like to, obviously, upgrade the house. So Perfect. So would you say that, like, have you gone kind of spoken about how much the renovations might cost after the wedding, or is that kind Not of really. stuff in We're the kind air? of, yeah, on the fence at the minute with that sort of thing. Like, we're just we don't know. We might wanna get a landscaper in and get them to do the backyard, but we'll go from there. Yep. Fantastic. So at the moment, it kinda sounds like maybe, like, a one to three year goal to sort out the wedding and the renovations and then look to upgrade after that. I think so. Yes. Yep. Yep. K. One to three and five beyond. Anything else you guys are working on at the moment? I think that is it.","start_word":1415,"end_word":1672,"sentiment":"neutral","sentiment_score":0.05310725452479466},{"text":"Perfect. Perfect.","start_word":1673,"end_word":1674,"sentiment":"positive","sentiment_score":0.5737637877464294},{"text":"I'm not looking to use the equity for anything other than bit of an upgrade. My partner may he's always wanted an investment, so he could go to an investment property. K. But, yeah, we will see. See, after the priorities are done first. Exactly right. Yep. Now I'm with you. If you guys ever need any help with the investment property side, please feel free to call through to us. Mhmm.","start_word":1675,"end_word":1746,"sentiment":"neutral","sentiment_score":0.102348655462265},{"text":"More than happy to walk you through some ideas and options.","start_word":1747,"end_word":1757,"sentiment":"positive","sentiment_score":0.4825634360313415},{"text":"Okay.","start_word":1758,"end_word":1758,"sentiment":"neutral","sentiment_score":0.2646455764770508},{"text":"Yep. Sounds good. Thank you. Perfect.","start_word":1759,"end_word":1764,"sentiment":"positive","sentiment_score":0.5535073280334473},{"text":"I've just had a look at your income protection, and it's quite low compared to your income. So 4,336 a month worth of cover. So think of it as just over a thousand bucks a week you would get if you're off work for more than a month. Oh, wow. If you work that back because the maximum is 70%, it's protecting an income of 75,000. Oh, wow. Yep. So five year benefit period sorry. Five year benefit, thirty day waiting period, that's pretty good. Mhmm. You can usually extend that up to the age of 65, but you do have about 1,100,000.0 worth of life insurance and total disability for the long term side of things. Yep. So what I wanted to ask you was, do you want me to kind of get a bit of an alteration with Clearview to see how much it would be to bump up the income protection? Yes, please. Yep. K. Now you have had Clearview for a few years.","start_word":1765,"end_word":1931,"sentiment":"neutral","sentiment_score":0.13885498046875},{"text":"It's really affordable.","start_word":1932,"end_word":1934,"sentiment":"positive","sentiment_score":0.4953763484954834},{"text":"It's 1,500 before the tax rebate out of the server. Do Mhmm. you want me to shop around and see if there's a more affordable provider? I'll do an alteration quote with them as well, but do you want me to check both? I think yeah.","start_word":1935,"end_word":1980,"sentiment":"neutral","sentiment_score":0.1310914009809494},{"text":"Like, they're having great.","start_word":1981,"end_word":1984,"sentiment":"positive","sentiment_score":0.4599447548389435},{"text":"I think it'd be better just to double check and just, yeah, see if there's a better option, but otherwise, Yeah.","start_word":1985,"end_word":2005,"sentiment":"neutral","sentiment_score":-0.10718566179275511},{"text":"I am happy with Clavie. Perfect.","start_word":2006,"end_word":2011,"sentiment":"positive","sentiment_score":0.7109962105751038},{"text":"So what I usually do in those circumstances is we get an alteration quote from them. Usually takes about a week. We will do a software quote for all insurers just to see if based on your occupation, anyone's offering anything better. But I'll make sure that under the hood, the policy feature score is the same or higher so you don't have any sort of worse policy. Okay. Yep.","start_word":2012,"end_word":2081,"sentiment":"neutral","sentiment_score":0.12871535122394562},{"text":"Perfect. Perfect.","start_word":2082,"end_word":2083,"sentiment":"positive","sentiment_score":0.5644319653511047},{"text":"What about with the life and disability cover? 1,160,000.00 there. That's obviously covering the debt and then quite a bit over the top. Your original goal was to cover the debts with a $100,000 buffer, so you've obviously trimmed down the debt quite a bit. Do you feel like kind of dropping that down a little bit, or if it's affordable, just keep it as is? Maybe just keep it as is for now. Yep. We'll keep an eye on it yearly because it's not too detrimental 3 thirties. Once you hit forties, though, it can jump up to $3.04, 5,000 pretty quickly. And if you've got that mortgage paid off, we can look at trimming it down. If you do upgrade homes, maybe it's nice to have that buffer there for the future debts as well. Yeah. Yep.","start_word":2084,"end_word":2222,"sentiment":"neutral","sentiment_score":0.1302621215581894},{"text":"That's exactly right.","start_word":2223,"end_word":2225,"sentiment":"positive","sentiment_score":0.379328966140747},{"text":"Yep.","start_word":2226,"end_word":2226,"sentiment":"neutral","sentiment_score":0.2627922594547272},{"text":"Perfect.","start_word":2227,"end_word":2227,"sentiment":"positive","sentiment_score":0.4585188329219818},{"text":"So I'll leave that there and just do the alteration increase for income protection. I do have to ask the question around trauma insurance, that fourth one. Do you recall what that does? No. So that's one that you don't have, but you can only have it out of pocket. You can't have it through your super. It's essentially like a a medical lump sum for heart attack, stroke, and cancer. So life insurance is if you pass away, TPD is if you can never work again, income protections for the temporary illness and injury, trauma is like, oh, I've had a heart attack. I go back to work the next week, But do I wanna lump sum to go to private hospital, have my partner take some time off to look after me if I get diagnosed with cancer, that type of thing? Okay. Heck. What would that be if it was paid out right? So what I'll do, I can usually do, like, a baseline quote for a 100,000 is usually a good starting point. And Yep. then I'll see what that comes out like on a maybe, like, a monthly premium rather than an annual. So that way, it's kinda spread out for you. Is Yep. there a bit of a limit you want me to put for affordability, like 20 a month, 30 a month, 40 a month? What would be your maximum? I don't know. I don't know. I'm just conscious of my not to just keep doing it. Adding to the bills and expenses. You know? Yeah. But I'm with you a I suppose 100%. I don't know. I feel So like I'd what need I'll to do, know what it yeah. yeah, we'll see what it costs. What I'll do is I'll just do the baseline quote. I'll send you through when I do the the updated advice for the income protection, I'll include there, like, a table of what it actually pays out on and then how much the price is, and you can kind of work out if you feel it's valuable. Yep.","start_word":2228,"end_word":2579,"sentiment":"neutral","sentiment_score":0.011619166015986017},{"text":"Sounds good. Let's do that. Perfect.","start_word":2580,"end_word":2585,"sentiment":"positive","sentiment_score":0.4163599908351898},{"text":"Just before I jump on to the super and finish things off, I just want to check if you guys ended up getting, like, the will and power of attorney put in place. No. We haven't. K. So at the moment, beneficiaries in line with your partner, you're still okay for Mhmm. that? Yes.","start_word":2586,"end_word":2639,"sentiment":"neutral","sentiment_score":0.07183703035116196},{"text":"For the super and the life insurance, that's okay. And, again, you said you just recently fixed that up with Clearview, so thank you for that.","start_word":2640,"end_word":2665,"sentiment":"positive","sentiment_score":0.5008770823478699},{"text":"Mhmm. With the kind of insolvency side of things, this is just a new question for us. Have you guys ever gone through, like, a bankruptcy before or a part nine debt agreement? No. Perfect. Sorry. It's just an extra little check there because it does affect home loans and credit applications and so on.","start_word":2666,"end_word":2720,"sentiment":"neutral","sentiment_score":-0.09062931686639786},{"text":"Perfect.","start_word":2721,"end_word":2721,"sentiment":"positive","sentiment_score":0.3632691502571106},{"text":"Now when it comes to the superannuation, have you do you usually log into it? I know you've been a client for a few years now. Do you check it every now and then? Or Yeah. I've got it on the app, and I just go and have a little look and just see how it's going. I'll be honest. I don't actually have. My partner talks me through it. It's not my field of knowledge. But, yeah, he just normally talks me through what's going on and settles any nerves I've Yeah. got with it. Cool. So he's kind of the the the financial he's got a lot of the financial interest there, and he kind of dives into it a bit more in-depth. Yes. Yep. Yep. One question I do wanna ask you though is just from your own perspective, do you know on, like, a scale of five what risk level you might be? I do know that we have got it set in in a higher risk Yep. just because we've got longer till we retire so that there's more opportunity there. Yep. Perfect. And, look, I know retirement's, like, thirty years away. We did have that goal there for you guys to try and retire a little bit earlier towards the age of 60 when you can access your super rather than, like, 67 with the age pension. Is that still sounds about right for you Mhmm. too? It does. Yes. Yep.","start_word":2722,"end_word":2968,"sentiment":"neutral","sentiment_score":0.06609770655632019},{"text":"Perfect.","start_word":2969,"end_word":2969,"sentiment":"positive","sentiment_score":0.42746543884277344},{"text":"The reason why I asked that question is because when I looked at your portfolio before this call, I did notice it was quite aggressive to the point where it's pretty much all in growth assets. So it's pretty much all in shares, property, gold, and so on. Quite aggressive. It had quite a lot of growth last year, jumped from, I think, 83,000 to 102,000. Lo and behold, after a 30% increase, the markets have been tumbling down since Christmas, and it's sitting at a 104,000 at the moment. So Yeah. this is kind of that roller coaster that we talk about when we talk about going into a high growth Yeah. risk category. And, obviously, everything that's going on across the world, it does obviously bring in a little bit of nerve there, but I suppose it's all the, like because swings and roundabouts with it, really. Like, it's just sort of like, this is sort of how it goes, and I just kind of my partner just says to hang on and just say we will be it'll sort itself out. It'll balance itself out long term. So Yeah. I guess the way I would explain it too is we always talk about, like, market cycles, and it's on average, like, every seven years that the stock markets grow for five or six Mhmm. years, and then there's some sort of event. There's a global financial crisis, a COVID, a war somewhere, and the markets take a bit of a tumble, and that tends to repeat every seven years or so. So the main Okay. plan, I guess, for you guys is your contributions go in. You get to continuously buy up all these assets and repeat those cycles. So when it goes down, you get to buy a few more properties for a cheaper price. You probably don't wanna still be aggressive at the age of 59, though, because you probably don't No. wanna lose half your super a year before you go to live on it with the stock Yep. market crash. Does that make sense? Yep. That's fine. Yep. Yep. So one thing that we do keep an eye on is even though you're in high risk, that doesn't mean that we're being sort of, how do you say, excessive with the risk level, anything too crazy. Okay.","start_word":2970,"end_word":3363,"sentiment":"neutral","sentiment_score":-0.08068826371038021},{"text":"Most of the options have been doing really well. So overall, most of your options have been having some pretty good growth. You've got about eight or nine options in there.","start_word":3364,"end_word":3394,"sentiment":"positive","sentiment_score":0.5347319841384888},{"text":"Even your I don't know if your partner talks about gold and silver and that kind of thing. Does he mention that much? A little bit. Not hate, but my understanding is sort of because it generally holds its value. Yeah. It's something that holds its value long very, very long term over hundreds of years, but sometimes you have these scenarios where the world goes crazy. And towards the end of last year, gold and silver went up, like, 500%. Everyone's super got a nice little bonus out of that because we had you in a little bit of that, and then it's kind of dropping down after Christmas as well.","start_word":3395,"end_word":3506,"sentiment":"neutral","sentiment_score":0.0962802991271019},{"text":"So everything's looking pretty good.","start_word":3507,"end_word":3511,"sentiment":"positive","sentiment_score":0.44524064660072327},{"text":"There is one option that kind of concerns me a little bit, and it's essentially a a Benelon option that has your Australian shares. So think of it as, like, your Commonwealth Bank, Rio Tinto, all the companies that you own in Australia as Mhmm. kind of underperforming a little bit. Okay. So Okay. so one thing that I might do is if you're comfortable with that long term view, the long term risk level is I might just find a better alternative to switch them out like for like. I'm happy with that. Yeah. Cool. Everything else will pretty much remain the same. I'll look to update that one option. We've already sent you through. Did you get an email from us about an ROA record of advice for a bit of a change that we made? Bear with me one sec. My I should have a Respondents. Yes. Say yes. From Clearview. It'll be just before the Clearview one. I'm actually just gonna quickly scroll back. You would have received it, I think, on the March 13. Okay. Bear me two secs. Sorry. The amount of emails I'm getting lately is I can imagine. why That's fair. No worries. Fifteen, fourteen, 13. And the subject heading should be Netwealth portfolio update record of advice. Yes. Sorry. Yes. I did get this. No. That's okay. What that's basically saying is that we had flagged this one option around Christmas time. And, normally, whenever we change your investments, we go through, like, a statement of advice. I give you a a new document, and we walk through and talk about, we think we should change to this. Are you comfortable with the reasons we've given? And then we can go ahead and do that. In this case, because of everything that was going on in the world, we've actually just kind of done a blanket rule across all clients to make that change straight away before it goes too crazy. Okay. Yep.","start_word":3512,"end_word":3843,"sentiment":"neutral","sentiment_score":0.01103899416973792},{"text":"That's fine. Cool. So the portfolio is pretty well updated. You should see the performance change pretty well throughout the year. So once the market starts going up, you and your partner should see that reflected in your balance as well. Awesome. Thank you. Perfect.","start_word":3844,"end_word":3888,"sentiment":"positive","sentiment_score":0.5608683228492737},{"text":"So at this point, I'm pretty much gonna look at bumping up the income protection, get you a little bit of a trauma quote, and just remind you guys to get a will at some point as well. Is there Sure. anything else that you would like to talk about in this review? No. That that's been everything. I think the trauma insurance, I'll I'll sit on that for the minute, but I just I I do wanna know what it would be. Yep. But, yeah, everything else sounds good. No. That's totally fine. What I'll do is I'll include the information in there. And Yep. at the bottom of the document when we walk through it, there'll be a signature box, and you can pretty much say, I would like to go ahead with both of them, one of them, whatever you prefer.","start_word":3889,"end_word":4032,"sentiment":"neutral","sentiment_score":0.1294844150543213},{"text":"Perfect. Sounds good. Thank you. Awesome.","start_word":4033,"end_word":4038,"sentiment":"positive","sentiment_score":0.7358641823132833},{"text":"Anything else for me before I let you go, Danielle? No. That was all.","start_word":4039,"end_word":4052,"sentiment":"neutral","sentiment_score":0.23627080023288727},{"text":"Thank you for your help. Amazing. I will send you through an annual review pack tomorrow, and that'll Mhmm. just have, like, your updated service agreement, a financial services guide, all of your reports, and everything attached. So if you could have a look at that email tomorrow, that would be amazing. I'll do that for you. Thank you. Awesome. Have a great night. Thank you so much for your time. You too.","start_word":4053,"end_word":4125,"sentiment":"positive","sentiment_score":0.525363028049469},{"text":"Bye. Bye.","start_word":4126,"end_word":4127,"sentiment":"neutral","sentiment_score":0.25403153896331787}],"average":{"sentiment":"neutral","sentiment_score":0.08100187822063273}}}}