{"metadata":{"transaction_key":"deprecated","request_id":"01a060b6-8664-7101-9f2d-8e5c6bb91fac","sha256":"89edf948f6c60802c674455b5c77a8953f91b3763dcc642f8e9bc8e872acd182","created":"2026-09-02T06:02:52.020Z","duration":1739.5919,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":4899,"output_tokens":134},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5432,"output_tokens":5443},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5432,"output_tokens":1212}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Craig. It's Jenny here. How are you today? I'm well. Thank you. I'm well. Thank you for attending my call. Just ringing today to complete your annual review. Do you have time for that now? Yeah. Yep. So part of our annual review process is that I'm gonna send you an annual review pack shortly. Before I do so, I just wanna run through your personal financial information that we have on file to make sure it's up to date and correct. Is that okay with you? Yeah. Beautiful. Thanks, Craig. I have your marital status here as married. Is that still correct? You're married to Renee? Yes? Beautiful. Fantastic. And we have that you have two dependents. Is that still correct or if you had more? Only one? And how old are they? Yep. Okay. Beautiful. And we don't have a next of kin notice down here. Would that be Renee for you? Yeah. Beautiful. Sorry. Sometimes I get that feedback. So I'm just gonna hold the speaker to my mouth a little bit closer. Is that better? Yep. Okay. Fantastic. With Renee, can I just get her contact number, please, to record as your next again? Yeah. Yeah. Beautiful. Fantastic. Thank you for that. So moving on to your occupation and employment, are you still self employed as a truck driver? Yes? Very good. Looks like you travel some significant kilometers per day. Is it still nine 100? Yeah. Is it still around the 900 kilometers per day? Yep. Okay. Beautiful. Oh, wow. Sorry. Do you roughly how many hours per week would you work? It's like that, isn't it? Yeah. Yep. Okay. Alright. And we had your income down as 82,000. Would that be correct still? Yep. Okay. And are you paying yourself any super? Okay. Alright. I'll just make a note of that. And we had previously recorded your expenditure being about a thousand dollars a week. Is that still accurate? Yeah. And are you managing to have any savings each week? No. That no. It's a bit hard in this environment, isn't it? Yeah. Okay. Yeah. No. No. No. No. It's very nice of you to do that. Wow. Okay. Alright. I just wanted to check asset wise. We had a motorbike here valued at 7,000. Would that still be correct? Yep. We had a credit card debt of 11,000. Is that still present? Yep. Okay. We had a personal loan of 17,000. Is that still current? Beautiful. And we have three trucks valued at 270,000 with a debt of 250. Is that still current? Yeah. Yep. Beautiful. And you've still got the three trucks? Okay. Beautiful. Have you ever been declared bankrupt? Yes. Okay. How long ago was that? Yep. Beautiful. No worries at all. Do we have your weight down here. Is it a at a 100 kilograms? Would that still be right? Yep. Any significant health issues or injuries since you we last spoke with you? No. Fantastic. Do you have private health insurance? No. That's fine. Alright. And just lastly, last time we spoke, you didn't have your any estate planning in place for your wills and power of attorney. Have you managed to get those looked at or created yet? Nope? Okay. No. Yeah. Yeah. We can talk about that in a little bit if you like. I'm just going to jump over now to what we had on record previously with your goals and objectives. One of them was for the medium term was to purchase a property. Is that still a goal that you're working towards? Yep. Yeah. Okay. Yep. Yeah. Okay. Do you have any kind of time frame you're looking at or purchase price? Yeah. Of course. Okay. Okay. And are you have you got any savings? Are you working on any savings to for a deposit? Yep. Yeah. Okay. Yep. Fair enough. Yeah. Okay. Okay. No worries. Alright. And you're still focusing on paying down your personal loan and credit cards? I can see that you've made great inroads there even just in the reduction of personal loan. 91. Beautiful. Fantastic. Yep. Okay. Okay. Fantastic. Beautiful. Making fantastic inroads there. One your your goal in relation to superannuation was while you are young, you're willing to take risks with your super, especially since there is more there is active monitor monitoring available. Closer to the time when you retire, you want to reduce the risk to protect your super in anticipation of getting ready for retirement. So it is that still applicable? Yep. Yeah. So yeah. It's it's hard to know, isn't it? That's what you know, I'm probably in in a similar age bracket, so it's hard to know what they're gonna do and how it's gonna impact. Yeah. Yeah. And on retirement, I note that you've got another goal here that you're thinking 67 will be your retirement age. Yeah. With an ideal income of 1,000 a week. Do you still think that's right? Yeah. Oh, in today's dollars. Yeah. Yep. So yep. Okay. So that would be in today's dollars. So a thousand dollars today might be worth 2,000 once for a tire, etcetera. So, obviously, we keep it in pace with inflation. And then your other goal was that you currently do not have any TPD or income protection, and you really should get it covered given your occupation. But I do note that you do have PPD cover now. So I think that that in in itself is that goal's been achieved, but I do note that you don't have any income protection. Is that something that you wanted to look at? Or yep. Yep. Yes. Of course. Yeah. Yep. Yeah. Of course. Of course. Well, hopefully, the hopefully, it's all all your hard work's gonna pay off. I'm sure it will, you know, when we set our minds to things. Yeah. Yeah. Yeah. That that doesn't make a great I'm not I'm not up on my on that type of tax, but, yeah, that it does sound a bit odd, doesn't it? Yeah. Okay. Yep. Okay. So you've got a lot more significant factors to deal with at the moment. Understand completely. So the next section of this is a risk profile. You're currently invested as a high growth investor, which typically means that we have 90% of your assets allocated to growth and 10% to defensive type assets. What we would typically expect in that type of profile is a one in five one year in every one every five years, one year would be a negative, and you'd need a minimum time frame of eight years to invest in this portfolio to allow for the market fluctuation to ride out the the bad the bad days, essentially. I know one of your goals was to take the risks with your super while you have the opportunity to. So I want to confirm with you whether you're happy to maintain that risk profile and that approach to risk or whether you wanted to look at completing the risk profile and see if you feel that you wanna decrease your your allocation to growth assets a little bit. Yeah? And you're comfortable with the the when I send you the pack, we can go through that in a little bit more just to make sure that you're comfortable with it and how it works. There's a little visual tool in there that we use that helps explain it a little bit. Yep. So what I have done is I have just sent you an email. Do you have access to your emails at all? Oh, sorry. I didn't realize you're driving. Okay. So I'm gonna talk through these documents. You can have a look at them once you have the chance to. And then if you've got any questions, once you've had a chance to look at them, you can send me an email or give me a callback, and we can talk through them. Basically, the front page is just a very brief summary of your super and insurance, which is with Netwealth. Current value is about $73,903, and you've got your life and TPD insurance with Zurich for $935,940, and that's funded from your Netwealth super balance, those premiums. The return on your portfolio in the last twelve months has been not great. I know earlier this year, we in March, we moved you out of the Bennelong Australian equity fund due to underperformance. So that the report still in the last twelve months includes those negative reports from Bennelong. So the twelve month return was negative 1.12%. And what we've gone and done is included a six month performance to report to show you how the the portfolio is recovering now that Bennelong is no longer within your portfolio. So when you're able to have a look, you'll see from the twelve months to the six month report that the in the last six months, your portfolio has returned 5.38%. So in a twelve month period with a high growth portfolio, we'd expect an average return of eight to 10% grosser fees. So you're well on the way to achieving that return in a high high growth portfolio now that we've redigged your portfolio a little bit to remove that underperforming fund and replace it with a with the beta shares Australian ETF. Within that pack is also a Vanguard index chart. It's a bright red document, bright red header. The top four on the right hand column, your shares being international Australian and US and property, they're your growth assets. So they're the ones where we're heavily invested in, the 90%, typically. And then below below that is your bonds and cash, which is your defensive asset sitting around 10%. What the graph does is it shows you the volatility of those growth assets and over time how the market reacts. So long term, we you know, growth is always expected, but you've gotta be in it for a period of time to be able to withstand those losses and fluctuations. So that's why we say a minimum of eight years for a high growth portfolio. And it's a great tool to look at just visually to say, okay. I understand about 90% of my funds are gonna go up and down significantly with those top four, and I can withstand that for at least eight years. I note that you're about thirteen years from accessing super, so you can access it from the age of 60. But if your retirement is 67, you're looking about twenty years. So you do have time on your side to, withstand and hold when there is fluctuations in that risk profile, and we would always review it every year with you anyway to see if there's a need to decrease the exposure to that growth assets. Any any questions with that? No? All good. Perfect. The in within that pack as well is the financial services well, our financial services guide. It just explains who we are, who our licensee is that we are licensed by. It explains the advice services we provide, how we provide them, the standard fee structure, and if you're unhappy with any of the services we provide, the complaints process. So that document is within the pack, and you'll also find it on our website. The and now the next the following three documents in the pack, so the last three, actually require your signature when you've had a chance to review them, and you can do it electronically through the email that we've sent to you. The first one that requires your consent, which is signing, is the ongoing fee consent. So this is the advice fee that you pay us, and it's funded from your super fund. It's a $6 fee, and it's a $106.70 per month. So annually, that equates to $1,280.40. And that covers you for your annual review and also any other ad hoc advice or conversation that you need to have with us. So there's no limit on the the times that we can speak with you. We're not gonna limit that. So we're your adviser, and we're here to help in any capacity in which we can. Yep. So we'd need you to sign that if you wish to continue being a client and having us as your adviser, the next document that we ask that you sign is the tax file number. So what that allows us to do is you're approving basically that you're happy for us to retain your tax file number on record. The reason why we have it is because of your superannuation fund. So when we set it up, we provided it to Netwealth to ensure that, you know, you're not taxed ex exorbitantly because you didn't provide your tax file number. So this just gives us the authority to hold that from a privacy perspective. And then the last document is an authorization to search for lost super. So one of the services we provide is that we, on your behalf, can look for any lost super, and we do this for all of our clients that could potentially be with the ATO or in a holding fund somewhere. So if you would like us to do that on your behalf, you could sign that form, and we can do that. And if we do find any lost super that's connected to you, we'd reach out to you and go through the process in getting that consolidated and advice provided. Yeah. So any questions? No? Okay. Well, from my perspective, that's about it. From a review perspective, We've looked at the other funds within your portfolio, and we're quite happy with those with no immediate red flags being identified for us or recommendations in relation to chain making investment switches at the moment. So I think from from my perspective, the one thing I probably would strongly recommend is looking at your wills and enduring power of attorney. And if you would like me to, I can send you through some information on that of of just what they are, what I'm sure you know what they are, but the the benefit of them. But, also, we do have a professional partner that does work on these with our clients at a re quite a reasonable rate. But it's just an information brochure if you want me to send that through to you. Yeah? Okay. What I will do is I'll send you through that brochure. There's no the only other items that I will send to you that I've noted is that you don't have a beneficiary nomination in your Netwealth Superfund, which means the trustees can decide who your super goes to. Now given that Renee is your your wife, it's likely that the trustees will decide that it's paid to her because she's a financial dependent on the superannuation legislation act, but it just does hold up the process. So I will arrange to get that form sent to you. It does need a wet a a wet signature. Do you have access to a printer, or do you want me to post it? Yeah? Okay. Yep. Beautiful. So you will need two people to witness it, but the beneficiary is unable to witness it. So yeah. And I can beautiful. You got a full house. Yeah. I understand. I got my nephew living with me, so I understand it. But, thankfully, he has no children to go along with that. Yeah. Yep. Yeah. Yeah. Did you want Renee to be your beneficiary on your super, which also is feeds through to your life insurance policy? Yep. Would you like us to prefill the form for you so you can just sign it? Yeah. So with Renee, I just need her date of birth. Yep. 1989. Beautiful. And at 91 Green Road Parkride as well. Oh, oh, okay. Park the typo in there. Sorry about that. I was thinking Parkride sounds a bit odd. And with the beneficiary nomination, there's two types that you can have. There's a binding and a non lapsing binding. So a non lapsing binding means that it won't lapse, and the trustees are bound by it, your decision. Whereas a binding is it will lapse every three years, and you need to review it. So what would be your preference? Yes. The nonlapsing? Yeah. Yep. Yep. Perfect. Yeah. With part with partners, that's the most common because you can check it can be updated and changed by just lodging a new beneficiary form, and it just avoids having to do it every three form, and it just avoids having to do it every three years. Beautiful. Alright. Well, I yeah. I I I don't think mine will divorce me either, hopefully. Fingers crossed. Alright. Beautiful. Yeah. I don't think mine would let me either. I think he'd be in a little bit of trouble if if I if I did. Not that I would, but you know? And with your review frequency, are you happy to keep it annually, or would you like it a little bit more often? Annual is fine? Okay. Beautiful. Alright. Well, I'm going to send you through those emails with a couple of with the beneficiary and the brochure for estate planning. In the meantime, if you have any questions at all or you need anything from us, just give us a call, and, we're here to help. Beautiful. Well, thank you so much for your time, Craig. I really appreciate it. Enjoy your day, and hopefully, you're off the road soon. Okay. Thank you. 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Craig. It's Jenny here. How are you today? I'm well. Thank you.\n\nI'm well. Thank you for attending my call. Just ringing today to complete your annual review. Do you have time for that now? Yeah.\n\nYep. So part of our annual review process is that I'm gonna send you an annual review pack shortly. Before I do so, I just wanna run through your personal financial information that we have on file to make sure it's up to date and correct. Is that okay with you? Yeah.\n\nBeautiful. Thanks, Craig. I have your marital status here as married. Is that still correct? You're married to Renee?\n\nYes? Beautiful. Fantastic. And we have that you have two dependents. Is that still correct or if you had more?\n\nOnly one? And how old are they? Yep. Okay. Beautiful.\n\nAnd we don't have a next of kin notice down here. Would that be Renee for you? Yeah. Beautiful. Sorry.\n\nSometimes I get that feedback. So I'm just gonna hold the speaker to my mouth a little bit closer. Is that better? Yep. Okay.\n\nFantastic. With Renee, can I just get her contact number, please, to record as your next again? Yeah. Yeah. Beautiful.\n\nFantastic. Thank you for that. So moving on to your occupation and employment, are you still self employed as a truck driver? Yes? Very good.\n\nLooks like you travel some significant kilometers per day. Is it still nine 100? Yeah. Is it still around the 900 kilometers per day? Yep.\n\nOkay. Beautiful. Oh, wow. Sorry. Do you roughly how many hours per week would you work?\n\nIt's like that, isn't it? Yeah. Yep. Okay. Alright.\n\nAnd we had your income down as 82,000. Would that be correct still? Yep. Okay. And are you paying yourself any super?\n\nOkay. Alright. I'll just make a note of that. And we had previously recorded your expenditure being about a thousand dollars a week. Is that still accurate?\n\nYeah. And are you managing to have any savings each week? No. That no. It's a bit hard in this environment, isn't it?\n\nYeah. Okay. Yeah. No. No.\n\nNo. No. It's very nice of you to do that. Wow. Okay.\n\nAlright. I just wanted to check asset wise. We had a motorbike here valued at 7,000. Would that still be correct? Yep.\n\nWe had a credit card debt of 11,000. Is that still present? Yep. Okay. We had a personal loan of 17,000.\n\nIs that still current? Beautiful. And we have three trucks valued at 270,000 with a debt of 250. Is that still current? Yeah.\n\nYep. Beautiful. And you've still got the three trucks? Okay. Beautiful.\n\nHave you ever been declared bankrupt? Yes. Okay. How long ago was that? Yep.\n\nBeautiful. No worries at all. Do we have your weight down here. Is it a at a 100 kilograms? Would that still be right?\n\nYep. Any significant health issues or injuries since you we last spoke with you? No. Fantastic. Do you have private health insurance?\n\nNo. That's fine. Alright. And just lastly, last time we spoke, you didn't have your any estate planning in place for your wills and power of attorney. Have you managed to get those looked at or created yet?\n\nNope? Okay. No. Yeah. Yeah.\n\nWe can talk about that in a little bit if you like. I'm just going to jump over now to what we had on record previously with your goals and objectives. One of them was for the medium term was to purchase a property. Is that still a goal that you're working towards? Yep.\n\nYeah. Okay. Yep. Yeah. Okay.\n\nDo you have any kind of time frame you're looking at or purchase price? Yeah. Of course. Okay. Okay.\n\nAnd are you have you got any savings? Are you working on any savings to for a deposit? Yep. Yeah. Okay.\n\nYep. Fair enough. Yeah. Okay. Okay.\n\nNo worries. Alright. And you're still focusing on paying down your personal loan and credit cards? I can see that you've made great inroads there even just in the reduction of personal loan. 91.\n\nBeautiful. Fantastic. Yep. Okay. Okay.\n\nFantastic. Beautiful. Making fantastic inroads there. One your your goal in relation to superannuation was while you are young, you're willing to take risks with your super, especially since there is more there is active monitor monitoring available. Closer to the time when you retire, you want to reduce the risk to protect your super in anticipation of getting ready for retirement.\n\nSo it is that still applicable? Yep. Yeah. So yeah. It's it's hard to know, isn't it?\n\nThat's what you know, I'm probably in in a similar age bracket, so it's hard to know what they're gonna do and how it's gonna impact. Yeah. Yeah. And on retirement, I note that you've got another goal here that you're thinking 67 will be your retirement age. Yeah.\n\nWith an ideal income of 1,000 a week. Do you still think that's right? Yeah. Oh, in today's dollars. Yeah.\n\nYep. So yep. Okay. So that would be in today's dollars. So a thousand dollars today might be worth 2,000 once for a tire, etcetera.\n\nSo, obviously, we keep it in pace with inflation. And then your other goal was that you currently do not have any TPD or income protection, and you really should get it covered given your occupation. But I do note that you do have PPD cover now. So I think that that in in itself is that goal's been achieved, but I do note that you don't have any income protection. Is that something that you wanted to look at?\n\nOr yep. Yep. Yes. Of course. Yeah.\n\nYep. Yeah. Of course. Of course. Well, hopefully, the hopefully, it's all all your hard work's gonna pay off.\n\nI'm sure it will, you know, when we set our minds to things. Yeah. Yeah. Yeah. That that doesn't make a great I'm not I'm not up on my on that type of tax, but, yeah, that it does sound a bit odd, doesn't it?\n\nYeah. Okay. Yep. Okay. So you've got a lot more significant factors to deal with at the moment.\n\nUnderstand completely. So the next section of this is a risk profile. You're currently invested as a high growth investor, which typically means that we have 90% of your assets allocated to growth and 10% to defensive type assets. What we would typically expect in that type of profile is a one in five one year in every one every five years, one year would be a negative, and you'd need a minimum time frame of eight years to invest in this portfolio to allow for the market fluctuation to ride out the the bad the bad days, essentially. I know one of your goals was to take the risks with your super while you have the opportunity to.\n\nSo I want to confirm with you whether you're happy to maintain that risk profile and that approach to risk or whether you wanted to look at completing the risk profile and see if you feel that you wanna decrease your your allocation to growth assets a little bit. Yeah? And you're comfortable with the the when I send you the pack, we can go through that in a little bit more just to make sure that you're comfortable with it and how it works. There's a little visual tool in there that we use that helps explain it a little bit. Yep.\n\nSo what I have done is I have just sent you an email. Do you have access to your emails at all? Oh, sorry. I didn't realize you're driving. Okay.\n\nSo I'm gonna talk through these documents. You can have a look at them once you have the chance to. And then if you've got any questions, once you've had a chance to look at them, you can send me an email or give me a callback, and we can talk through them. Basically, the front page is just a very brief summary of your super and insurance, which is with Netwealth. Current value is about $73,903, and you've got your life and TPD insurance with Zurich for $935,940, and that's funded from your Netwealth super balance, those premiums.\n\nThe return on your portfolio in the last twelve months has been not great. I know earlier this year, we in March, we moved you out of the Bennelong Australian equity fund due to underperformance. So that the report still in the last twelve months includes those negative reports from Bennelong. So the twelve month return was negative 1.12%. And what we've gone and done is included a six month performance to report to show you how the the portfolio is recovering now that Bennelong is no longer within your portfolio.\n\nSo when you're able to have a look, you'll see from the twelve months to the six month report that the in the last six months, your portfolio has returned 5.38%. So in a twelve month period with a high growth portfolio, we'd expect an average return of eight to 10% grosser fees. So you're well on the way to achieving that return in a high high growth portfolio now that we've redigged your portfolio a little bit to remove that underperforming fund and replace it with a with the beta shares Australian ETF. Within that pack is also a Vanguard index chart. It's a bright red document, bright red header.\n\nThe top four on the right hand column, your shares being international Australian and US and property, they're your growth assets. So they're the ones where we're heavily invested in, the 90%, typically. And then below below that is your bonds and cash, which is your defensive asset sitting around 10%. What the graph does is it shows you the volatility of those growth assets and over time how the market reacts. So long term, we you know, growth is always expected, but you've gotta be in it for a period of time to be able to withstand those losses and fluctuations.\n\nSo that's why we say a minimum of eight years for a high growth portfolio. And it's a great tool to look at just visually to say, okay. I understand about 90% of my funds are gonna go up and down significantly with those top four, and I can withstand that for at least eight years. I note that you're about thirteen years from accessing super, so you can access it from the age of 60. But if your retirement is 67, you're looking about twenty years.\n\nSo you do have time on your side to, withstand and hold when there is fluctuations in that risk profile, and we would always review it every year with you anyway to see if there's a need to decrease the exposure to that growth assets. Any any questions with that? No? All good. Perfect.\n\nThe in within that pack as well is the financial services well, our financial services guide. It just explains who we are, who our licensee is that we are licensed by. It explains the advice services we provide, how we provide them, the standard fee structure, and if you're unhappy with any of the services we provide, the complaints process. So that document is within the pack, and you'll also find it on our website. The and now the next the following three documents in the pack, so the last three, actually require your signature when you've had a chance to review them, and you can do it electronically through the email that we've sent to you.\n\nThe first one that requires your consent, which is signing, is the ongoing fee consent. So this is the advice fee that you pay us, and it's funded from your super fund. It's a $6 fee, and it's a $106.70 per month. So annually, that equates to $1,280.40. And that covers you for your annual review and also any other ad hoc advice or conversation that you need to have with us.\n\nSo there's no limit on the the times that we can speak with you. We're not gonna limit that. So we're your adviser, and we're here to help in any capacity in which we can. Yep. So we'd need you to sign that if you wish to continue being a client and having us as your adviser, the next document that we ask that you sign is the tax file number.\n\nSo what that allows us to do is you're approving basically that you're happy for us to retain your tax file number on record. The reason why we have it is because of your superannuation fund. So when we set it up, we provided it to Netwealth to ensure that, you know, you're not taxed ex exorbitantly because you didn't provide your tax file number. So this just gives us the authority to hold that from a privacy perspective. And then the last document is an authorization to search for lost super.\n\nSo one of the services we provide is that we, on your behalf, can look for any lost super, and we do this for all of our clients that could potentially be with the ATO or in a holding fund somewhere. So if you would like us to do that on your behalf, you could sign that form, and we can do that. And if we do find any lost super that's connected to you, we'd reach out to you and go through the process in getting that consolidated and advice provided. Yeah. So any questions?\n\nNo? Okay. Well, from my perspective, that's about it. From a review perspective, We've looked at the other funds within your portfolio, and we're quite happy with those with no immediate red flags being identified for us or recommendations in relation to chain making investment switches at the moment. So I think from from my perspective, the one thing I probably would strongly recommend is looking at your wills and enduring power of attorney.\n\nAnd if you would like me to, I can send you through some information on that of of just what they are, what I'm sure you know what they are, but the the benefit of them. But, also, we do have a professional partner that does work on these with our clients at a re quite a reasonable rate. But it's just an information brochure if you want me to send that through to you. Yeah? Okay.\n\nWhat I will do is I'll send you through that brochure. There's no the only other items that I will send to you that I've noted is that you don't have a beneficiary nomination in your Netwealth Superfund, which means the trustees can decide who your super goes to. Now given that Renee is your your wife, it's likely that the trustees will decide that it's paid to her because she's a financial dependent on the superannuation legislation act, but it just does hold up the process. So I will arrange to get that form sent to you. It does need a wet a a wet signature.\n\nDo you have access to a printer, or do you want me to post it? Yeah? Okay. Yep. Beautiful.\n\nSo you will need two people to witness it, but the beneficiary is unable to witness it. So yeah. And I can beautiful. You got a full house. Yeah.\n\nI understand. I got my nephew living with me, so I understand it. But, thankfully, he has no children to go along with that. Yeah. Yep.\n\nYeah. Yeah. Did you want Renee to be your beneficiary on your super, which also is feeds through to your life insurance policy? Yep. Would you like us to prefill the form for you so you can just sign it?\n\nYeah. So with Renee, I just need her date of birth. Yep. 1989. Beautiful.\n\nAnd at 91 Green Road Parkride as well. Oh, oh, okay. Park the typo in there. Sorry about that. I was thinking Parkride sounds a bit odd.\n\nAnd with the beneficiary nomination, there's two types that you can have. There's a binding and a non lapsing binding. So a non lapsing binding means that it won't lapse, and the trustees are bound by it, your decision. Whereas a binding is it will lapse every three years, and you need to review it. So what would be your preference?\n\nYes. The nonlapsing? Yeah. Yep. Yep.\n\nPerfect. Yeah. With part with partners, that's the most common because you can check it can be updated and changed by just lodging a new beneficiary form, and it just avoids having to do it every three form, and it just avoids having to do it every three years. Beautiful. Alright.\n\nWell, I yeah. I I I don't think mine will divorce me either, hopefully. Fingers crossed. Alright. Beautiful.\n\nYeah. I don't think mine would let me either. I think he'd be in a little bit of trouble if if I if I did. Not that I would, but you know? And with your review frequency, are you happy to keep it annually, or would you like it a little bit more often?\n\nAnnual is fine? Okay. Beautiful. Alright. Well, I'm going to send you through those emails with a couple of with the beneficiary and the brochure for estate planning.\n\nIn the meantime, if you have any questions at all or you need anything from us, just give us a call, and, we're here to help. Beautiful. Well, thank you so much for your time, Craig. I really appreciate it. Enjoy your day, and hopefully, you're off the road soon.\n\nOkay. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Craig.","start":1.5999999,"end":2.24,"sentiment":"neutral","sentiment_score":0.1512923687696457},{"text":"It's Jenny here.","start":2.24,"end":3.04,"sentiment":"neutral","sentiment_score":0.19198826452096304},{"text":"How are you today?","start":3.04,"end":3.9399998,"sentiment":"neutral","sentiment_score":0.20640689134597778},{"text":"I'm well.","start":6.24,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.2284991443157196},{"text":"Thank you.","start":6.8799996,"end":7.3599997,"sentiment":"positive","sentiment_score":0.5750097036361694}],"sentiment":"neutral","sentiment_score":0.25470729172229767,"num_words":13,"start":1.5999999,"end":7.3599997},{"sentences":[{"text":"I'm well.","start":7.3599997,"end":8.18,"sentiment":"positive","sentiment_score":0.42748141288757324},{"text":"Thank you for attending my call.","start":8.72,"end":10.42,"sentiment":"positive","sentiment_score":0.5280666997035345},{"text":"Just ringing today to complete your annual review.","start":11.679999,"end":14.3949995,"sentiment":"neutral","sentiment_score":0.27973201498389244},{"text":"Do you have time for that now?","start":14.3949995,"end":16.255,"sentiment":"neutral","sentiment_score":0.18431748236928666},{"text":"Yeah.","start":18.555,"end":19.055,"sentiment":"neutral","sentiment_score":0.09725964814424516}],"sentiment":"neutral","sentiment_score":0.3186958820248644,"num_words":24,"start":7.3599997,"end":19.055},{"sentences":[{"text":"Yep.","start":19.355,"end":19.855,"sentiment":"neutral","sentiment_score":0.09205520153045654},{"text":"So part of our annual review process is that I'm gonna send you an annual review pack shortly.","start":21.275,"end":26.574999,"sentiment":"neutral","sentiment_score":0.11489884720908271},{"text":"Before I do so, I just wanna run through your personal financial information that we have on file to make sure it's up to date and correct.","start":27.8,"end":35.32,"sentiment":"neutral","sentiment_score":0.10205572953930607},{"text":"Is that okay with you?","start":35.32,"end":36.54,"sentiment":"neutral","sentiment_score":0.07411660701036453},{"text":"Yeah.","start":38.6,"end":39.1,"sentiment":"neutral","sentiment_score":0.1242314875125885}],"sentiment":"neutral","sentiment_score":0.10404910906576194,"num_words":52,"start":19.355,"end":39.1},{"sentences":[{"text":"Beautiful.","start":39.239998,"end":39.72,"sentiment":"positive","sentiment_score":0.3890988826751709},{"text":"Thanks, Craig.","start":39.72,"end":40.54,"sentiment":"positive","sentiment_score":0.4203704744577408},{"text":"I have your marital status here as married.","start":41.48,"end":44.355,"sentiment":"neutral","sentiment_score":0.12439161445945501},{"text":"Is that still correct?","start":44.575,"end":46.175,"sentiment":"neutral","sentiment_score":0.09113078750669956},{"text":"You're married to Renee?","start":46.175,"end":47.395,"sentiment":"neutral","sentiment_score":0.020488179987296462}],"sentiment":"neutral","sentiment_score":0.14060255880222508,"num_words":19,"start":39.239998,"end":47.395},{"sentences":[{"text":"Yes?","start":47.455,"end":47.955,"sentiment":"neutral","sentiment_score":0.033435072749853134},{"text":"Beautiful.","start":48.255,"end":48.755,"sentiment":"positive","sentiment_score":0.3655588328838349},{"text":"Fantastic.","start":49.614998,"end":50.114998,"sentiment":"positive","sentiment_score":0.4272243082523346},{"text":"And we have that you have two dependents.","start":50.975,"end":53.955,"sentiment":"neutral","sentiment_score":0.14311471953988075},{"text":"Is that still correct or if you had more?","start":54.815,"end":57.75,"sentiment":"neutral","sentiment_score":0.06624491098854277}],"sentiment":"neutral","sentiment_score":0.1283670084550977,"num_words":20,"start":47.455,"end":57.75},{"sentences":[{"text":"Only one?","start":59.03,"end":60.01,"sentiment":"neutral","sentiment_score":0.004167584702372551},{"text":"And how old are they?","start":61.83,"end":64.57,"sentiment":"neutral","sentiment_score":0.00037186620756983756},{"text":"Yep.","start":68.07,"end":68.57,"sentiment":"neutral","sentiment_score":0.01365043129771948},{"text":"Okay.","start":70.39,"end":70.89,"sentiment":"neutral","sentiment_score":0.0615675151348114},{"text":"Beautiful.","start":71.27,"end":71.77,"sentiment":"neutral","sentiment_score":0.13114944100379944}],"sentiment":"neutral","sentiment_score":0.02165618878789246,"num_words":10,"start":59.03,"end":71.77},{"sentences":[{"text":"And we don't have a next of kin notice down here.","start":72.915,"end":76.854996,"sentiment":"neutral","sentiment_score":0.0009160676801746541},{"text":"Would that be Renee for you?","start":77.235,"end":79.255,"sentiment":"neutral","sentiment_score":0.013746961485594511},{"text":"Yeah.","start":80.994995,"end":81.395,"sentiment":"neutral","sentiment_score":0.007237868383526802},{"text":"Beautiful.","start":81.395,"end":81.895,"sentiment":"neutral","sentiment_score":0.11978334188461304},{"text":"Sorry.","start":84.274994,"end":84.774994,"sentiment":"neutral","sentiment_score":-0.046732254326343536}],"sentiment":"neutral","sentiment_score":0.008642373466864228,"num_words":20,"start":72.915,"end":84.774994},{"sentences":[{"text":"Sometimes I get that feedback.","start":85.395,"end":87.03001,"sentiment":"neutral","sentiment_score":-0.04788496270775795},{"text":"So I'm just gonna hold the speaker to my mouth a little bit closer.","start":87.03001,"end":90.310005,"sentiment":"neutral","sentiment_score":-0.025633055151307156},{"text":"Is that better?","start":90.310005,"end":91.130005,"sentiment":"neutral","sentiment_score":0.005281962454319},{"text":"Yep.","start":93.350006,"end":93.670006,"sentiment":"neutral","sentiment_score":0.06529556214809418},{"text":"Okay.","start":93.670006,"end":93.990005,"sentiment":"neutral","sentiment_score":0.1588132083415985}],"sentiment":"neutral","sentiment_score":-0.014930538658518344,"num_words":24,"start":85.395,"end":93.990005},{"sentences":[{"text":"Fantastic.","start":93.990005,"end":94.490005,"sentiment":"neutral","sentiment_score":0.3131859004497528},{"text":"With Renee, can I just get her contact number, please, to record as your next again?","start":95.590004,"end":102.895,"sentiment":"neutral","sentiment_score":0.14391200663521886},{"text":"Yeah.","start":103.91499,"end":104.41499,"sentiment":"neutral","sentiment_score":0.014453175477683544},{"text":"Yeah.","start":106.954994,"end":107.454994,"sentiment":"neutral","sentiment_score":0.019395411014556885},{"text":"Beautiful.","start":110.155,"end":110.655,"sentiment":"neutral","sentiment_score":0.30734556913375854}],"sentiment":"neutral","sentiment_score":0.14784860811196268,"num_words":20,"start":93.990005,"end":110.655},{"sentences":[{"text":"Fantastic.","start":111.115,"end":111.615,"sentiment":"positive","sentiment_score":0.38561153411865234},{"text":"Thank you for that.","start":111.674995,"end":112.735,"sentiment":"positive","sentiment_score":0.4090096950531006},{"text":"So moving on to your occupation and employment, are you still self employed as a truck driver?","start":113.28001,"end":119.78001,"sentiment":"neutral","sentiment_score":0.10795962941997192},{"text":"Yes?","start":121.76,"end":122.26,"sentiment":"neutral","sentiment_score":0.08188571780920029},{"text":"Very good.","start":122.64,"end":123.62,"sentiment":"neutral","sentiment_score":0.23498547077178955}],"sentiment":"neutral","sentiment_score":0.17635282695293428,"num_words":25,"start":111.115,"end":123.62},{"sentences":[{"text":"Looks like you travel some significant kilometers per day.","start":126.0,"end":129.915,"sentiment":"neutral","sentiment_score":0.049824829316801496},{"text":"Is it still nine 100?","start":130.61499,"end":132.235,"sentiment":"neutral","sentiment_score":0.017324999906122684},{"text":"Yeah.","start":133.33499,"end":133.83499,"sentiment":"neutral","sentiment_score":0.006292845122516155},{"text":"Is it still around the 900 kilometers per day?","start":135.015,"end":138.075,"sentiment":"neutral","sentiment_score":0.00767774579839574},{"text":"Yep.","start":141.33499,"end":141.83499,"sentiment":"neutral","sentiment_score":0.03759550303220749}],"sentiment":"neutral","sentiment_score":0.02592146094888449,"num_words":25,"start":126.0,"end":141.83499},{"sentences":[{"text":"Okay.","start":141.89499,"end":142.215,"sentiment":"neutral","sentiment_score":0.099281407892704},{"text":"Beautiful.","start":142.215,"end":142.715,"sentiment":"neutral","sentiment_score":0.14411625266075134},{"text":"Oh, wow.","start":144.75,"end":145.23,"sentiment":"neutral","sentiment_score":0.042750656604766846},{"text":"Sorry.","start":145.23,"end":145.73,"sentiment":"neutral","sentiment_score":-0.028401773422956467},{"text":"Do you roughly how many hours per week would you work?","start":148.34999,"end":151.81,"sentiment":"neutral","sentiment_score":-0.02190758033909581}],"sentiment":"neutral","sentiment_score":0.0037196135381236672,"num_words":16,"start":141.89499,"end":151.81},{"sentences":[{"text":"It's like that, isn't it?","start":155.47,"end":157.01,"sentiment":"neutral","sentiment_score":-0.01397314053028822},{"text":"Yeah.","start":164.69499,"end":165.19499,"sentiment":"neutral","sentiment_score":0.009125832468271255},{"text":"Yep.","start":166.055,"end":166.535,"sentiment":"neutral","sentiment_score":0.006324651185423136},{"text":"Okay.","start":166.535,"end":167.035,"sentiment":"neutral","sentiment_score":0.024734172970056537},{"text":"Alright.","start":169.175,"end":169.675,"sentiment":"neutral","sentiment_score":0.03907009959220886}],"sentiment":"neutral","sentiment_score":0.0010432281738354105,"num_words":9,"start":155.47,"end":169.675},{"sentences":[{"text":"And we had your income down as 82,000.","start":170.63,"end":174.48999,"sentiment":"neutral","sentiment_score":0.02447133872192353},{"text":"Would that be correct still?","start":174.55,"end":176.09,"sentiment":"neutral","sentiment_score":0.014997398853302002},{"text":"Yep.","start":182.23,"end":182.70999,"sentiment":"neutral","sentiment_score":0.03507847338914871},{"text":"Okay.","start":182.70999,"end":183.20999,"sentiment":"neutral","sentiment_score":0.03280383348464966},{"text":"And are you paying yourself any super?","start":183.51,"end":194.405,"sentiment":"neutral","sentiment_score":-0.0007551453475441251}],"sentiment":"neutral","sentiment_score":0.01515245424922217,"num_words":22,"start":170.63,"end":194.405},{"sentences":[{"text":"Okay.","start":214.815,"end":215.315,"sentiment":"neutral","sentiment_score":0.022535115480422977},{"text":"Alright.","start":216.655,"end":217.155,"sentiment":"neutral","sentiment_score":0.05589241907000542},{"text":"I'll just make a note of that.","start":219.295,"end":221.315,"sentiment":"neutral","sentiment_score":0.10395068994590215},{"text":"And we had previously recorded your expenditure being about a thousand dollars a week.","start":223.74,"end":228.3,"sentiment":"neutral","sentiment_score":0.05500850001616137},{"text":"Is that still accurate?","start":228.3,"end":231.12,"sentiment":"neutral","sentiment_score":0.06743984203785658}],"sentiment":"neutral","sentiment_score":0.06836891602034922,"num_words":27,"start":214.815,"end":231.12},{"sentences":[{"text":"Yeah.","start":239.315,"end":239.815,"sentiment":"neutral","sentiment_score":0.03636638820171356},{"text":"And are you managing to have any savings each week?","start":239.955,"end":245.655,"sentiment":"neutral","sentiment_score":0.048772668838500975},{"text":"No.","start":247.875,"end":248.275,"sentiment":"neutral","sentiment_score":0.017978403717279434},{"text":"That no.","start":248.275,"end":249.495,"sentiment":"neutral","sentiment_score":-0.2639387398958206},{"text":"It's a bit hard in this environment, isn't it?","start":250.115,"end":252.455,"sentiment":"neutral","sentiment_score":-0.3253247191508611}],"sentiment":"neutral","sentiment_score":-0.1266838466019734,"num_words":23,"start":239.315,"end":252.455},{"sentences":[{"text":"Yeah.","start":254.915,"end":255.21,"sentiment":"neutral","sentiment_score":-0.08276674151420593},{"text":"Okay.","start":263.93,"end":264.43,"sentiment":"neutral","sentiment_score":-0.034389786422252655},{"text":"Yeah.","start":264.73,"end":265.23,"sentiment":"neutral","sentiment_score":-0.055082328617572784},{"text":"No.","start":274.565,"end":274.88498,"sentiment":"neutral","sentiment_score":-0.12340588867664336},{"text":"No.","start":274.88498,"end":275.125,"sentiment":"neutral","sentiment_score":-0.14078651368618011}],"sentiment":"neutral","sentiment_score":-0.08728625178337097,"num_words":5,"start":254.915,"end":275.125},{"sentences":[{"text":"No.","start":275.125,"end":275.28497,"sentiment":"neutral","sentiment_score":-0.1325540691614151},{"text":"No.","start":275.28497,"end":275.78497,"sentiment":"neutral","sentiment_score":-0.09432142227888109},{"text":"It's very nice of you to do that.","start":277.125,"end":278.985,"sentiment":"neutral","sentiment_score":0.29043618217110634},{"text":"Wow.","start":290.37,"end":290.68997,"sentiment":"neutral","sentiment_score":0.029466021806001663},{"text":"Okay.","start":290.68997,"end":291.18997,"sentiment":"neutral","sentiment_score":0.020515378564596176}],"sentiment":"neutral","sentiment_score":0.17888294719159603,"num_words":12,"start":275.125,"end":291.18997},{"sentences":[{"text":"Alright.","start":293.16998,"end":293.66998,"sentiment":"neutral","sentiment_score":0.03005939349532127},{"text":"I just wanted to check asset wise.","start":298.12997,"end":300.745,"sentiment":"neutral","sentiment_score":0.019775064795144966},{"text":"We had a motorbike here valued at 7,000.","start":301.525,"end":304.565,"sentiment":"neutral","sentiment_score":0.011514340061694384},{"text":"Would that still be correct?","start":304.565,"end":305.94498,"sentiment":"neutral","sentiment_score":0.0024036969989538193},{"text":"Yep.","start":310.88498,"end":311.38498,"sentiment":"neutral","sentiment_score":-0.0009566200897097588}],"sentiment":"neutral","sentiment_score":0.012348246929997747,"num_words":22,"start":293.16998,"end":311.38498},{"sentences":[{"text":"We had a credit card debt of 11,000.","start":313.71,"end":317.09,"sentiment":"neutral","sentiment_score":-0.037048166152089834},{"text":"Is that still present?","start":317.15,"end":321.72998,"sentiment":"neutral","sentiment_score":-0.01774187432602048},{"text":"Yep.","start":328.845,"end":329.345,"sentiment":"neutral","sentiment_score":0.0163256898522377},{"text":"Okay.","start":330.685,"end":331.185,"sentiment":"neutral","sentiment_score":0.019803721457719803},{"text":"We had a personal loan of 17,000.","start":338.3,"end":341.68,"sentiment":"neutral","sentiment_score":0.006252268994493144}],"sentiment":"neutral","sentiment_score":-0.01368845391663767,"num_words":21,"start":313.71,"end":341.68},{"sentences":[{"text":"Is that still current?","start":341.81998,"end":343.59998,"sentiment":"neutral","sentiment_score":0.0014932143967598677},{"text":"Beautiful.","start":353.035,"end":353.535,"sentiment":"positive","sentiment_score":0.4337170422077179},{"text":"And we have three trucks valued at 270,000 with a debt of 250.","start":354.395,"end":361.71,"sentiment":"neutral","sentiment_score":0.1110436492241346},{"text":"Is that still current?","start":363.21,"end":365.31,"sentiment":"neutral","sentiment_score":-0.022959166672080755},{"text":"Yeah.","start":376.905,"end":377.405,"sentiment":"neutral","sentiment_score":0.03806344419717789}],"sentiment":"neutral","sentiment_score":0.07954278770510269,"num_words":23,"start":341.81998,"end":377.405},{"sentences":[{"text":"Yep.","start":391.31998,"end":391.81998,"sentiment":"neutral","sentiment_score":0.1669846624135971},{"text":"Beautiful.","start":392.12,"end":392.62,"sentiment":"positive","sentiment_score":0.5423697829246521},{"text":"And you've still got the three trucks?","start":393.47998,"end":395.25998,"sentiment":"neutral","sentiment_score":0.11874832691890853},{"text":"Okay.","start":398.75998,"end":399.255,"sentiment":"neutral","sentiment_score":0.07741110026836395},{"text":"Beautiful.","start":399.89502,"end":400.39502,"sentiment":"neutral","sentiment_score":0.2420428991317749}],"sentiment":"neutral","sentiment_score":0.16909515756097707,"num_words":11,"start":391.31998,"end":400.39502},{"sentences":[{"text":"Have you ever been declared bankrupt?","start":402.45502,"end":404.155,"sentiment":"neutral","sentiment_score":-0.02941197094817956},{"text":"Yes.","start":406.855,"end":407.355,"sentiment":"neutral","sentiment_score":-0.015699828043580055},{"text":"Okay.","start":407.415,"end":407.73502,"sentiment":"neutral","sentiment_score":-0.017103351652622223},{"text":"How long ago was that?","start":407.73502,"end":409.115,"sentiment":"neutral","sentiment_score":-0.01948290839791298},{"text":"Yep.","start":416.55,"end":416.94998,"sentiment":"neutral","sentiment_score":0.1234787106513977}],"sentiment":"neutral","sentiment_score":-0.01308648833738906,"num_words":14,"start":402.45502,"end":416.94998},{"sentences":[{"text":"Beautiful.","start":416.94998,"end":417.44998,"sentiment":"positive","sentiment_score":0.4158610701560974},{"text":"No worries at all.","start":417.59,"end":418.97,"sentiment":"neutral","sentiment_score":0.1683037169277668},{"text":"Do we have your weight down here.","start":422.06998,"end":423.75,"sentiment":"neutral","sentiment_score":0.014580587191241128},{"text":"Is it a at a 100 kilograms?","start":423.75,"end":425.785,"sentiment":"neutral","sentiment_score":0.01728110055306128},{"text":"Would that still be right?","start":425.845,"end":427.305,"sentiment":"neutral","sentiment_score":0.009690940007567405}],"sentiment":"neutral","sentiment_score":0.05669010217146327,"num_words":24,"start":416.94998,"end":427.305},{"sentences":[{"text":"Yep.","start":429.445,"end":429.945,"sentiment":"neutral","sentiment_score":-0.004508766811341047},{"text":"Any significant health issues or injuries since you we last spoke with you?","start":430.165,"end":435.305,"sentiment":"neutral","sentiment_score":-0.13874677052864662},{"text":"No.","start":435.685,"end":436.185,"sentiment":"neutral","sentiment_score":-0.08242332935333252},{"text":"Fantastic.","start":436.32498,"end":436.82498,"sentiment":"neutral","sentiment_score":0.17118366062641144},{"text":"Do you have private health insurance?","start":437.58,"end":439.04,"sentiment":"neutral","sentiment_score":0.033108520011107125}],"sentiment":"neutral","sentiment_score":-0.0691275151065466,"num_words":22,"start":429.445,"end":439.04},{"sentences":[{"text":"No.","start":441.18,"end":441.68,"sentiment":"neutral","sentiment_score":-0.0815652385354042},{"text":"That's fine.","start":442.13998,"end":443.19998,"sentiment":"neutral","sentiment_score":0.02401065081357956},{"text":"Alright.","start":444.3,"end":444.8,"sentiment":"neutral","sentiment_score":0.06326411664485931},{"text":"And just lastly, last time we spoke, you didn't have your any estate planning in place for your wills and power of attorney.","start":445.41998,"end":453.415,"sentiment":"neutral","sentiment_score":-0.011854616135520779},{"text":"Have you managed to get those looked at or created yet?","start":453.635,"end":457.895,"sentiment":"neutral","sentiment_score":-0.016902725127610294}],"sentiment":"neutral","sentiment_score":-0.011285946520633604,"num_words":38,"start":441.18,"end":457.895},{"sentences":[{"text":"Nope?","start":460.035,"end":460.51498,"sentiment":"neutral","sentiment_score":-0.13249844312667847},{"text":"Okay.","start":460.51498,"end":461.01498,"sentiment":"neutral","sentiment_score":-0.0654931589961052},{"text":"No.","start":461.235,"end":461.735,"sentiment":"neutral","sentiment_score":-0.27302277088165283},{"text":"Yeah.","start":462.835,"end":463.155,"sentiment":"neutral","sentiment_score":-0.0039850324392318726},{"text":"Yeah.","start":463.155,"end":463.395,"sentiment":"neutral","sentiment_score":0.021619277074933052}],"sentiment":"neutral","sentiment_score":-0.09067602567374707,"num_words":5,"start":460.035,"end":463.395},{"sentences":[{"text":"We can talk about that in a little bit if you like.","start":463.395,"end":465.815,"sentiment":"neutral","sentiment_score":0.03850277932360768},{"text":"I'm just going to jump over now to what we had on record previously with your goals and objectives.","start":466.66998,"end":472.53,"sentiment":"neutral","sentiment_score":0.061781026030841624},{"text":"One of them was for the medium term was to purchase a property.","start":473.79,"end":477.41,"sentiment":"neutral","sentiment_score":0.02091656983471834},{"text":"Is that still a goal that you're working towards?","start":477.79,"end":480.21,"sentiment":"neutral","sentiment_score":0.03332929189006487},{"text":"Yep.","start":483.655,"end":484.155,"sentiment":"neutral","sentiment_score":-0.24143794178962708}],"sentiment":"neutral","sentiment_score":0.03641322110262182,"num_words":54,"start":463.395,"end":484.155},{"sentences":[{"text":"Yeah.","start":485.895,"end":486.295,"sentiment":"neutral","sentiment_score":-0.06661494076251984},{"text":"Okay.","start":486.295,"end":486.795,"sentiment":"neutral","sentiment_score":-0.06482675671577454},{"text":"Yep.","start":492.695,"end":492.93,"sentiment":"neutral","sentiment_score":-0.02945081517100334},{"text":"Yeah.","start":500.37,"end":500.77,"sentiment":"neutral","sentiment_score":0.024804851040244102},{"text":"Okay.","start":500.77,"end":501.27,"sentiment":"neutral","sentiment_score":0.024871516972780228}],"sentiment":"neutral","sentiment_score":-0.022243228927254676,"num_words":5,"start":485.895,"end":501.27},{"sentences":[{"text":"Do you have any kind of time frame you're looking at or purchase price?","start":501.49,"end":505.19,"sentiment":"neutral","sentiment_score":-0.006010993383824825},{"text":"Yeah.","start":514.72504,"end":515.22504,"sentiment":"neutral","sentiment_score":0.013436701148748398},{"text":"Of course.","start":515.445,"end":516.105,"sentiment":"neutral","sentiment_score":0.038444094359874725},{"text":"Okay.","start":525.64,"end":526.14,"sentiment":"neutral","sentiment_score":0.05344261601567269},{"text":"Okay.","start":527.32,"end":527.82,"sentiment":"neutral","sentiment_score":0.050251927226781845}],"sentiment":"neutral","sentiment_score":0.005782396091442359,"num_words":19,"start":501.49,"end":527.82},{"sentences":[{"text":"And are you have you got any savings?","start":530.68,"end":532.745,"sentiment":"neutral","sentiment_score":0.02515054401010275},{"text":"Are you working on any savings to for a deposit?","start":533.045,"end":535.945,"sentiment":"neutral","sentiment_score":0.013187700882554054},{"text":"Yep.","start":540.005,"end":540.505,"sentiment":"neutral","sentiment_score":-0.017487123608589172},{"text":"Yeah.","start":555.7,"end":556.02,"sentiment":"neutral","sentiment_score":-0.0483148954808712},{"text":"Okay.","start":556.02,"end":556.52,"sentiment":"neutral","sentiment_score":-0.015939710661768913}],"sentiment":"neutral","sentiment_score":0.011968553864530154,"num_words":21,"start":530.68,"end":556.52},{"sentences":[{"text":"Yep.","start":556.66003,"end":557.14,"sentiment":"neutral","sentiment_score":0.000528533011674881},{"text":"Fair enough.","start":557.14,"end":570.675,"sentiment":"neutral","sentiment_score":-0.015148142352700233},{"text":"Yeah.","start":571.375,"end":571.875,"sentiment":"neutral","sentiment_score":0.006882373243570328},{"text":"Okay.","start":572.175,"end":572.55,"sentiment":"neutral","sentiment_score":-0.006312364712357521},{"text":"Okay.","start":574.47,"end":574.97,"sentiment":"neutral","sentiment_score":0.00518486462533474}],"sentiment":"neutral","sentiment_score":-0.004002146422863007,"num_words":6,"start":556.66003,"end":574.97},{"sentences":[{"text":"No worries.","start":575.26996,"end":576.01,"sentiment":"neutral","sentiment_score":0.023375152610242367},{"text":"Alright.","start":578.14996,"end":578.64996,"sentiment":"neutral","sentiment_score":0.06007642671465874},{"text":"And you're still focusing on paying down your personal loan and credit cards?","start":581.35,"end":585.02997,"sentiment":"neutral","sentiment_score":0.07685918590197197},{"text":"I can see that you've made great inroads there even just in the reduction of personal loan.","start":585.02997,"end":593.935,"sentiment":"neutral","sentiment_score":0.31761599759406905},{"text":"91.","start":593.935,"end":594.575,"sentiment":"neutral","sentiment_score":0.05655459687113762}],"sentiment":"neutral","sentiment_score":0.19300066778326735,"num_words":34,"start":575.26996,"end":594.575},{"sentences":[{"text":"Beautiful.","start":594.575,"end":595.075,"sentiment":"positive","sentiment_score":0.5037563443183899},{"text":"Fantastic.","start":595.695,"end":596.195,"sentiment":"positive","sentiment_score":0.5848896503448486},{"text":"Yep.","start":603.935,"end":604.23,"sentiment":"neutral","sentiment_score":0.050028808414936066},{"text":"Okay.","start":607.82996,"end":608.32996,"sentiment":"neutral","sentiment_score":0.10909377038478851},{"text":"Okay.","start":609.02997,"end":609.52997,"sentiment":"neutral","sentiment_score":0.21998119354248047}],"sentiment":"neutral","sentiment_score":0.2935499534010887,"num_words":5,"start":594.575,"end":609.52997},{"sentences":[{"text":"Fantastic.","start":610.23,"end":610.73,"sentiment":"positive","sentiment_score":0.5497918128967285},{"text":"Beautiful.","start":611.67,"end":612.17,"sentiment":"positive","sentiment_score":0.6757314205169678},{"text":"Making fantastic inroads there.","start":612.23,"end":614.17,"sentiment":"positive","sentiment_score":0.6762772798538208},{"text":"One your your goal in relation to superannuation was while you are young, you're willing to take risks with your super, especially since there is more there is active monitor monitoring available.","start":616.55,"end":628.375,"sentiment":"neutral","sentiment_score":0.1366356040816754},{"text":"Closer to the time when you retire, you want to reduce the risk to protect your super in anticipation of getting ready for retirement.","start":628.915,"end":636.77,"sentiment":"neutral","sentiment_score":0.10467489901930094}],"sentiment":"neutral","sentiment_score":0.17443821386944863,"num_words":62,"start":610.23,"end":636.77},{"sentences":[{"text":"So it is that still applicable?","start":636.77,"end":639.83,"sentiment":"neutral","sentiment_score":0.045509556929270424},{"text":"Yep.","start":642.29004,"end":642.79004,"sentiment":"neutral","sentiment_score":0.03066418692469597},{"text":"Yeah.","start":643.465,"end":643.545,"sentiment":"neutral","sentiment_score":0.0139622762799263},{"text":"So yeah.","start":643.545,"end":650.765,"sentiment":"neutral","sentiment_score":-0.03938232082873583},{"text":"It's it's hard to know, isn't it?","start":650.985,"end":652.745,"sentiment":"neutral","sentiment_score":-0.11228810037885394}],"sentiment":"neutral","sentiment_score":-0.03218220820760026,"num_words":17,"start":636.77,"end":652.745},{"sentences":[{"text":"That's what you know, I'm probably in in a similar age bracket, so it's hard to know what they're gonna do and how it's gonna impact.","start":652.745,"end":661.93,"sentiment":"neutral","sentiment_score":-0.08942813454912259},{"text":"Yeah.","start":663.82996,"end":664.32996,"sentiment":"neutral","sentiment_score":-0.11447148770093918},{"text":"Yeah.","start":666.63,"end":667.13,"sentiment":"neutral","sentiment_score":-0.01826951466500759},{"text":"And on retirement, I note that you've got another goal here that you're thinking 67 will be your retirement age.","start":667.43,"end":673.60504,"sentiment":"neutral","sentiment_score":0.02130546625703573},{"text":"Yeah.","start":678.385,"end":678.705,"sentiment":"neutral","sentiment_score":0.22143444418907168}],"sentiment":"neutral","sentiment_score":-0.036945484312517304,"num_words":49,"start":652.745,"end":678.705},{"sentences":[{"text":"With an ideal income of 1,000 a week.","start":678.705,"end":680.865,"sentiment":"positive","sentiment_score":0.4186399206519127},{"text":"Do you still think that's right?","start":680.865,"end":682.405,"sentiment":"neutral","sentiment_score":0.29621925204992294},{"text":"Yeah.","start":684.705,"end":685.205,"sentiment":"neutral","sentiment_score":0.05918455123901367},{"text":"Oh, in today's dollars.","start":686.22,"end":687.68,"sentiment":"neutral","sentiment_score":0.003990641329437494},{"text":"Yeah.","start":687.89996,"end":688.39996,"sentiment":"neutral","sentiment_score":0.054929763078689575}],"sentiment":"neutral","sentiment_score":0.26282558785751464,"num_words":20,"start":678.705,"end":688.39996},{"sentences":[{"text":"Yep.","start":688.77997,"end":689.27997,"sentiment":"neutral","sentiment_score":0.19204382598400116},{"text":"So yep.","start":693.01996,"end":693.81995,"sentiment":"neutral","sentiment_score":0.13511129468679428},{"text":"Okay.","start":693.81995,"end":694.31995,"sentiment":"neutral","sentiment_score":0.15396541357040405},{"text":"So that would be in today's dollars.","start":694.54,"end":696.13995,"sentiment":"neutral","sentiment_score":0.19742424573217118},{"text":"So a thousand dollars today might be worth 2,000 once for a tire, etcetera.","start":696.13995,"end":700.95996,"sentiment":"neutral","sentiment_score":0.1779091012265001}],"sentiment":"neutral","sentiment_score":0.17955715864896774,"num_words":25,"start":688.77997,"end":700.95996},{"sentences":[{"text":"So, obviously, we keep it in pace with inflation.","start":701.25995,"end":704.375,"sentiment":"neutral","sentiment_score":0.16146577977471882},{"text":"And then your other goal was that you currently do not have any TPD or income protection, and you really should get it covered given your occupation.","start":705.79504,"end":714.29504,"sentiment":"neutral","sentiment_score":0.03618432291679912},{"text":"But I do note that you do have PPD cover now.","start":714.67505,"end":720.58,"sentiment":"neutral","sentiment_score":0.017007895830002697},{"text":"So I think that that in in itself is that goal's been achieved, but I do note that you don't have any income protection.","start":721.36005,"end":733.055,"sentiment":"neutral","sentiment_score":-0.00518078791598479},{"text":"Is that something that you wanted to look at?","start":737.435,"end":740.09503,"sentiment":"neutral","sentiment_score":-0.0008896780717704031}],"sentiment":"neutral","sentiment_score":0.031061369727831335,"num_words":80,"start":701.25995,"end":740.09503},{"sentences":[{"text":"Or yep.","start":740.395,"end":752.41003,"sentiment":"neutral","sentiment_score":-0.021891141310334206},{"text":"Yep.","start":756.23,"end":756.585,"sentiment":"neutral","sentiment_score":0.01198193710297346},{"text":"Yes.","start":759.22504,"end":759.72504,"sentiment":"neutral","sentiment_score":0.026890631765127185},{"text":"Of 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it?","start":838.10004,"end":850.47504,"sentiment":"neutral","sentiment_score":-0.2806898771688856}],"sentiment":"neutral","sentiment_score":-0.15521805137395858,"num_words":45,"start":799.565,"end":850.47504},{"sentences":[{"text":"Yeah.","start":850.47504,"end":850.715,"sentiment":"neutral","sentiment_score":-0.015623437240719795},{"text":"Okay.","start":850.715,"end":851.215,"sentiment":"neutral","sentiment_score":0.025452950969338417},{"text":"Yep.","start":851.275,"end":851.67505,"sentiment":"neutral","sentiment_score":0.03830757737159729},{"text":"Okay.","start":851.67505,"end":851.995,"sentiment":"neutral","sentiment_score":0.01588413119316101},{"text":"So you've got a lot more significant factors to deal with at the moment.","start":851.995,"end":858.48004,"sentiment":"neutral","sentiment_score":-0.06924653452421937}],"sentiment":"neutral","sentiment_score":-0.05030168116920524,"num_words":18,"start":850.47504,"end":858.48004},{"sentences":[{"text":"Understand completely.","start":861.98004,"end":863.12,"sentiment":"neutral","sentiment_score":0.042055826634168625},{"text":"So the next section of this is a risk profile.","start":865.34,"end":869.92004,"sentiment":"neutral","sentiment_score":-0.03070507999509573},{"text":"You're currently invested as a high growth investor, which typically means that we have 90% of your assets allocated to growth and 10% to defensive type assets.","start":870.80505,"end":883.145,"sentiment":"neutral","sentiment_score":0.006632105964753363},{"text":"What we would typically expect in that type of profile is a one in five one year in every one every five years, one year would be a negative, and you'd need a minimum time frame of eight years to invest in this portfolio to allow for the market fluctuation to ride out the the bad the bad days, essentially.","start":885.1,"end":905.825,"sentiment":"neutral","sentiment_score":-0.14974915099640687},{"text":"I know one of your goals was to take the risks with your super while you have the opportunity to.","start":907.965,"end":915.47003,"sentiment":"neutral","sentiment_score":0.108668764680624}],"sentiment":"neutral","sentiment_score":-0.0576087903513127,"num_words":119,"start":861.98004,"end":915.47003},{"sentences":[{"text":"So I want to confirm with you whether you're happy to maintain that risk profile and that approach to risk or whether you wanted to look at completing the risk profile and see if you feel that you wanna decrease your your allocation to growth assets a little bit.","start":915.77,"end":932.65497,"sentiment":"neutral","sentiment_score":-0.025907871598491863},{"text":"Yeah?","start":938.31494,"end":938.7,"sentiment":"neutral","sentiment_score":0.1415063440799713},{"text":"And you're comfortable with the the when I send you the pack, we can go through that in a little bit more just to make sure that you're comfortable with it and how it works.","start":938.94,"end":950.14,"sentiment":"neutral","sentiment_score":0.26078330129384997},{"text":"There's a little visual tool in there that we use that helps explain it a little bit.","start":950.14,"end":955.545,"sentiment":"neutral","sentiment_score":0.18275202547802644},{"text":"Yep.","start":957.44495,"end":957.925,"sentiment":"neutral","sentiment_score":0.10031944513320924}],"sentiment":"neutral","sentiment_score":0.1088013597990124,"num_words":103,"start":915.77,"end":957.925},{"sentences":[{"text":"So what I have done is I have just sent you an email.","start":957.925,"end":963.685,"sentiment":"neutral","sentiment_score":0.06814986238112816},{"text":"Do you have access to your emails at all?","start":963.685,"end":969.19995,"sentiment":"neutral","sentiment_score":0.022415066551831033},{"text":"Oh, sorry.","start":969.25995,"end":970.13995,"sentiment":"neutral","sentiment_score":-0.050973620265722275},{"text":"I didn't realize you're driving.","start":970.13995,"end":971.6,"sentiment":"neutral","sentiment_score":-0.1589437246322632},{"text":"Okay.","start":972.13995,"end":972.54,"sentiment":"neutral","sentiment_score":-0.029780633747577667}],"sentiment":"neutral","sentiment_score":0.005374577082693577,"num_words":30,"start":957.925,"end":972.54},{"sentences":[{"text":"So I'm gonna talk through these documents.","start":972.54,"end":974.94,"sentiment":"neutral","sentiment_score":0.05061176472476551},{"text":"You can have a look at them once you have the chance to.","start":974.94,"end":979.245,"sentiment":"neutral","sentiment_score":0.0681832590355323},{"text":"And then if you've got any questions, once you've had a chance to look at them, you can send me an email or give me a callback, and we can talk through them.","start":981.625,"end":989.405,"sentiment":"neutral","sentiment_score":0.05695406663598436},{"text":"Basically, the front page is just a very brief summary of your super and insurance, which is with Netwealth.","start":989.78503,"end":998.51,"sentiment":"neutral","sentiment_score":0.1023431271314621},{"text":"Current value is about $73,903, and you've got your life and TPD insurance with Zurich for $935,940, and that's funded from your Netwealth super balance, those premiums.","start":998.97003,"end":1016.805,"sentiment":"neutral","sentiment_score":0.08595697319617977}],"sentiment":"neutral","sentiment_score":0.0746010768819939,"num_words":99,"start":972.54,"end":1016.805},{"sentences":[{"text":"The return on your portfolio in the last twelve months has been not great.","start":1021.08997,"end":1027.11,"sentiment":"negative","sentiment_score":-0.6010557498250689},{"text":"I know earlier this year, we in March, we moved you out of the Bennelong Australian equity fund due to underperformance.","start":1028.05,"end":1035.6951,"sentiment":"negative","sentiment_score":-0.4428464727742331},{"text":"So that the report still in the last twelve months includes those negative reports from Bennelong.","start":1038.0751,"end":1043.855,"sentiment":"negative","sentiment_score":-0.4748172499239445},{"text":"So the twelve month return was negative 1.12%.","start":1043.995,"end":1048.75,"sentiment":"negative","sentiment_score":-0.5153755396604538},{"text":"And what we've gone and done is included a six month performance to report to show you how the the portfolio is recovering now that Bennelong is no longer within your portfolio.","start":1050.09,"end":1063.595,"sentiment":"neutral","sentiment_score":-0.07902125478722155}],"sentiment":"negative","sentiment_score":-0.35124524060513945,"num_words":91,"start":1021.08997,"end":1063.595},{"sentences":[{"text":"So when you're able to have a look, you'll see from the twelve months to the six month report that the in the last six months, your portfolio has returned 5.38%.","start":1064.055,"end":1075.13,"sentiment":"neutral","sentiment_score":0.10368516776830919},{"text":"So in a twelve month period with a high growth portfolio, we'd expect an average return of eight to 10% grosser fees.","start":1075.27,"end":1084.09,"sentiment":"neutral","sentiment_score":0.17708048664710738},{"text":"So you're well on the way to achieving that return in a high high growth portfolio now that we've redigged your portfolio a little bit to remove that underperforming fund and replace it with a with the beta shares Australian ETF.","start":1085.67,"end":1101.255,"sentiment":"neutral","sentiment_score":0.15497601904520175},{"text":"Within that pack is also a Vanguard index chart.","start":1103.78,"end":1106.82,"sentiment":"neutral","sentiment_score":0.11106839527686437},{"text":"It's a bright red document, bright red header.","start":1106.82,"end":1110.44,"sentiment":"neutral","sentiment_score":0.1714422795921564}],"sentiment":"neutral","sentiment_score":0.14265929263185811,"num_words":111,"start":1064.055,"end":1110.44},{"sentences":[{"text":"The top four on the right hand column, your shares being international Australian and US and property, they're your growth assets.","start":1111.14,"end":1119.865,"sentiment":"neutral","sentiment_score":0.12734910313572204},{"text":"So they're the ones where we're heavily invested in, the 90%, typically.","start":1119.925,"end":1123.945,"sentiment":"neutral","sentiment_score":0.14028839394450188},{"text":"And then below below that is your bonds and cash, which is your defensive asset sitting around 10%.","start":1124.965,"end":1130.55,"sentiment":"neutral","sentiment_score":0.05167908356007603},{"text":"What the graph does is it shows you the volatility of those growth assets and over time how the market reacts.","start":1131.67,"end":1142.39,"sentiment":"neutral","sentiment_score":0.057077087461948395},{"text":"So long term, we you know, growth is always expected, but you've gotta be in it for a period of time to be able to withstand those losses and fluctuations.","start":1142.39,"end":1153.655,"sentiment":"neutral","sentiment_score":0.07849091067910194}],"sentiment":"neutral","sentiment_score":0.08668001523862283,"num_words":102,"start":1111.14,"end":1153.655},{"sentences":[{"text":"So that's why we say a minimum of eight years for a high growth portfolio.","start":1153.795,"end":1157.8151,"sentiment":"neutral","sentiment_score":0.18554551502068836},{"text":"And it's a great tool to look at just visually to say, okay.","start":1158.5951,"end":1162.26,"sentiment":"positive","sentiment_score":0.5990986434312967},{"text":"I understand about 90% of my funds are gonna go up and down significantly with those top four, and I can withstand that for at least eight years.","start":1162.26,"end":1173.24,"sentiment":"neutral","sentiment_score":0.2337328176945448},{"text":"I note that you're about thirteen years from accessing super, so you can access it from the age of 60.","start":1173.38,"end":1179.715,"sentiment":"neutral","sentiment_score":0.03141664592549205},{"text":"But if your retirement is 67, you're looking about twenty years.","start":1180.095,"end":1184.335,"sentiment":"neutral","sentiment_score":-0.008792969990860332}],"sentiment":"neutral","sentiment_score":0.2028459107353427,"num_words":87,"start":1153.795,"end":1184.335},{"sentences":[{"text":"So you do have time on your side to, withstand and hold when there is fluctuations in that risk profile, and we would always review it every year with you anyway to see if there's a need to decrease the exposure to that growth assets.","start":1184.335,"end":1203.2301,"sentiment":"neutral","sentiment_score":-0.02277667232685619},{"text":"Any any questions with that?","start":1205.415,"end":1207.1951,"sentiment":"neutral","sentiment_score":0.009644105285406112},{"text":"No?","start":1210.135,"end":1210.615,"sentiment":"neutral","sentiment_score":-0.06685221940279007},{"text":"All good.","start":1210.615,"end":1211.0951,"sentiment":"neutral","sentiment_score":0.17952799797058105},{"text":"Perfect.","start":1211.0951,"end":1211.5951,"sentiment":"positive","sentiment_score":0.34252336621284485}],"sentiment":"neutral","sentiment_score":-0.006333381213523724,"num_words":54,"start":1184.335,"end":1211.5951},{"sentences":[{"text":"The in within that pack as well is the financial services well, our financial services guide.","start":1213.8151,"end":1219.495,"sentiment":"neutral","sentiment_score":0.09549836232326925},{"text":"It just explains who we are, who our licensee is that we are licensed by.","start":1219.495,"end":1226.51,"sentiment":"neutral","sentiment_score":0.0670691634217898},{"text":"It explains the advice services we provide, how we provide them, the standard fee structure, and if you're unhappy with any of the services we provide, the complaints process.","start":1227.21,"end":1238.9751,"sentiment":"neutral","sentiment_score":0.00508196414287748},{"text":"So that document is within the pack, and you'll also find it on our website.","start":1239.515,"end":1243.535,"sentiment":"neutral","sentiment_score":0.06310401856899261},{"text":"The and now the next the following three documents in the pack, so the last three, actually require your signature when you've had a chance to review them, and you can do it electronically through the email that we've sent to you.","start":1246.0499,"end":1260.3899,"sentiment":"neutral","sentiment_score":0.05633939873604547}],"sentiment":"neutral","sentiment_score":0.05123250627428548,"num_words":117,"start":1213.8151,"end":1260.3899},{"sentences":[{"text":"The first one that requires your consent, which is signing, is the ongoing fee consent.","start":1262.695,"end":1267.995,"sentiment":"neutral","sentiment_score":0.05586855138341586},{"text":"So this is the advice fee that you pay us, and it's funded from your super fund.","start":1268.535,"end":1274.155,"sentiment":"neutral","sentiment_score":0.07282763456597048},{"text":"It's a $6 fee, and it's a $106.70 per month.","start":1274.535,"end":1279.49,"sentiment":"neutral","sentiment_score":0.016535275522619484},{"text":"So annually, that equates to $1,280.40.","start":1279.63,"end":1286.45,"sentiment":"neutral","sentiment_score":0.033139314192036785},{"text":"And that covers you for your annual review and also any other ad hoc advice or conversation that you need to have with us.","start":1287.39,"end":1296.715,"sentiment":"neutral","sentiment_score":0.2395688301573197}],"sentiment":"neutral","sentiment_score":0.11374914753509478,"num_words":72,"start":1262.695,"end":1296.715},{"sentences":[{"text":"So there's no limit on the the times that we can speak with you.","start":1296.715,"end":1302.1749,"sentiment":"neutral","sentiment_score":0.28210547672850744},{"text":"We're not gonna limit that.","start":1302.99,"end":1304.27,"sentiment":"neutral","sentiment_score":0.29524636566638945},{"text":"So we're your adviser, and we're here to help in any capacity in which we can.","start":1304.27,"end":1308.85,"sentiment":"positive","sentiment_score":0.48321899957954884},{"text":"Yep.","start":1312.27,"end":1312.59,"sentiment":"neutral","sentiment_score":0.2165653556585312},{"text":"So we'd need you to sign that if you wish to continue being a client and having us as your adviser, the next document that we ask that you sign is the tax file number.","start":1312.59,"end":1325.125,"sentiment":"neutral","sentiment_score":0.12947781022105898}],"sentiment":"neutral","sentiment_score":0.2521901578760483,"num_words":71,"start":1296.715,"end":1325.125},{"sentences":[{"text":"So what that allows us to do is you're approving basically that you're happy for us to retain your tax file number on record.","start":1325.125,"end":1332.425,"sentiment":"positive","sentiment_score":0.40213193620244664},{"text":"The reason why we have it is because of your superannuation fund.","start":1332.885,"end":1337.02,"sentiment":"neutral","sentiment_score":0.31043699011206627},{"text":"So when we set it up, we provided it to Netwealth to ensure that, you know, you're not taxed ex exorbitantly because you didn't provide your tax file number.","start":1337.02,"end":1349.6649,"sentiment":"neutral","sentiment_score":0.23714330509818835},{"text":"So this just gives us the authority to hold that from a privacy perspective.","start":1349.6649,"end":1355.2849,"sentiment":"neutral","sentiment_score":0.16727801678436144},{"text":"And then the last document is an authorization to search for lost super.","start":1358.225,"end":1362.91,"sentiment":"neutral","sentiment_score":0.21642558849774873}],"sentiment":"neutral","sentiment_score":0.2761846856902475,"num_words":92,"start":1325.125,"end":1362.91},{"sentences":[{"text":"So one of the services we provide is that we, on your behalf, can look for any lost super, and we do this for all of our clients that could potentially be with the ATO or in a holding fund somewhere.","start":1362.91,"end":1380.765,"sentiment":"neutral","sentiment_score":0.25954994032295736},{"text":"So if you would like us to do that on your behalf, you could sign that form, and we can do that.","start":1381.305,"end":1387.7051,"sentiment":"neutral","sentiment_score":0.2506724575703794},{"text":"And if we do find any lost super that's connected to you, we'd reach out to you and go through the process in getting that consolidated and advice provided.","start":1387.7051,"end":1396.74,"sentiment":"neutral","sentiment_score":0.3053235159865741},{"text":"Yeah.","start":1399.68,"end":1400.18,"sentiment":"neutral","sentiment_score":0.1046585813164711},{"text":"So any questions?","start":1400.4,"end":1401.78,"sentiment":"neutral","sentiment_score":0.052151194463173546}],"sentiment":"neutral","sentiment_score":0.26324828904277336,"num_words":96,"start":1362.91,"end":1401.78},{"sentences":[{"text":"No?","start":1405.275,"end":1405.775,"sentiment":"neutral","sentiment_score":-0.10351267457008362},{"text":"Okay.","start":1405.995,"end":1406.495,"sentiment":"neutral","sentiment_score":-0.010766645893454552},{"text":"Well, from my perspective, that's about it.","start":1406.635,"end":1411.135,"sentiment":"neutral","sentiment_score":0.00959062868995326},{"text":"From a review perspective, We've looked at the other funds within your portfolio, and we're quite happy with those with no immediate red flags being identified for us or recommendations in relation to chain making investment switches at the moment.","start":1412.875,"end":1434.9249,"sentiment":"neutral","sentiment_score":0.207391366828233},{"text":"So I think from from my perspective, the one thing I probably would strongly recommend is looking at your wills and enduring power of attorney.","start":1436.105,"end":1448.24,"sentiment":"neutral","sentiment_score":0.1489648188650608}],"sentiment":"neutral","sentiment_score":0.16179230033948616,"num_words":74,"start":1405.275,"end":1448.24},{"sentences":[{"text":"And if you would like me to, I can send you through some information on that of of just what they are, what I'm sure you know what they are, but the the benefit of them.","start":1450.62,"end":1463.6749,"sentiment":"neutral","sentiment_score":0.08279374541921748},{"text":"But, also, we do have a professional partner that does work on these with our clients at a re quite a reasonable rate.","start":1463.815,"end":1473.595,"sentiment":"neutral","sentiment_score":0.17961794235136197},{"text":"But it's just an information brochure if you want me to send that through to you.","start":1474.135,"end":1477.83,"sentiment":"neutral","sentiment_score":0.07976235751993954},{"text":"Yeah?","start":1481.0299,"end":1481.5299,"sentiment":"neutral","sentiment_score":0.09142743051052094},{"text":"Okay.","start":1481.83,"end":1482.33,"sentiment":"neutral","sentiment_score":0.12977883219718933}],"sentiment":"neutral","sentiment_score":0.1118076817168818,"num_words":77,"start":1450.62,"end":1482.33},{"sentences":[{"text":"What I will do is I'll send you through that brochure.","start":1483.11,"end":1486.57,"sentiment":"neutral","sentiment_score":0.13714771853251892},{"text":"There's no the only other items that I will send to you that I've noted is that you don't have a beneficiary nomination in your Netwealth Superfund, which means the trustees can decide who your super goes to.","start":1488.3099,"end":1505.4349,"sentiment":"neutral","sentiment_score":-0.0233314735814929},{"text":"Now given that Renee is your your wife, it's likely that the trustees will decide that it's paid to her because she's a financial dependent on the superannuation legislation act, but it just does hold up the process.","start":1505.4349,"end":1521.33,"sentiment":"neutral","sentiment_score":-0.0939728718152956},{"text":"So I will arrange to get that form sent to you.","start":1522.095,"end":1527.475,"sentiment":"neutral","sentiment_score":0.011488470841537823},{"text":"It does need a wet a a wet signature.","start":1527.775,"end":1530.515,"sentiment":"neutral","sentiment_score":-0.02789988513622019}],"sentiment":"neutral","sentiment_score":-0.028725850543825426,"num_words":107,"start":1483.11,"end":1530.515},{"sentences":[{"text":"Do you have access to a printer, or do you want me to post it?","start":1530.895,"end":1534.515,"sentiment":"neutral","sentiment_score":-0.005975173258533081},{"text":"Yeah?","start":1535.215,"end":1535.7,"sentiment":"neutral","sentiment_score":0.00333629222586751},{"text":"Okay.","start":1535.7799,"end":1536.2799,"sentiment":"neutral","sentiment_score":0.037556640803813934},{"text":"Yep.","start":1536.82,"end":1537.1399,"sentiment":"neutral","sentiment_score":0.11931733787059784},{"text":"Beautiful.","start":1537.1399,"end":1537.6399,"sentiment":"positive","sentiment_score":0.3445602059364319}],"sentiment":"neutral","sentiment_score":0.02184962515572184,"num_words":19,"start":1530.895,"end":1537.6399},{"sentences":[{"text":"So you will need two people to witness it, but the beneficiary is unable to witness it.","start":1537.86,"end":1544.26,"sentiment":"neutral","sentiment_score":-0.01937244996866759},{"text":"So yeah.","start":1544.26,"end":1547.715,"sentiment":"neutral","sentiment_score":0.01678030751645565},{"text":"And I can beautiful.","start":1547.7949,"end":1551.4149,"sentiment":"neutral","sentiment_score":0.19173093046993017},{"text":"You got a full house.","start":1551.875,"end":1553.095,"sentiment":"positive","sentiment_score":0.4421725332736969},{"text":"Yeah.","start":1555.715,"end":1556.215,"sentiment":"neutral","sentiment_score":0.04774457961320877}],"sentiment":"neutral","sentiment_score":0.09412965287679229,"num_words":29,"start":1537.86,"end":1556.215},{"sentences":[{"text":"I understand.","start":1558.195,"end":1558.835,"sentiment":"neutral","sentiment_score":0.034046586602926254},{"text":"I got my nephew living with me, so I understand it.","start":1558.835,"end":1561.99,"sentiment":"neutral","sentiment_score":0.0018977079201828349},{"text":"But, thankfully, he has no children to go along with that.","start":1561.99,"end":1565.13,"sentiment":"neutral","sentiment_score":0.019926467910408974},{"text":"Yeah.","start":1566.31,"end":1566.81,"sentiment":"neutral","sentiment_score":0.0003614053130149842},{"text":"Yep.","start":1567.03,"end":1567.53,"sentiment":"neutral","sentiment_score":-0.027371209114789963}],"sentiment":"neutral","sentiment_score":0.010813434751561055,"num_words":26,"start":1558.195,"end":1567.53},{"sentences":[{"text":"Yeah.","start":1569.51,"end":1570.01,"sentiment":"neutral","sentiment_score":-0.04719490930438042},{"text":"Yeah.","start":1571.43,"end":1571.51,"sentiment":"neutral","sentiment_score":-0.026881283149123192},{"text":"Did you want Renee to be your beneficiary on your super, which also is feeds through to your life insurance policy?","start":1571.51,"end":1579.405,"sentiment":"neutral","sentiment_score":0.016562612638587042},{"text":"Yep.","start":1580.025,"end":1580.525,"sentiment":"neutral","sentiment_score":0.03166643902659416},{"text":"Would you like us to prefill the form for you so you can just sign it?","start":1581.145,"end":1585.645,"sentiment":"neutral","sentiment_score":0.06382034299895167}],"sentiment":"neutral","sentiment_score":0.03316326499916613,"num_words":40,"start":1569.51,"end":1585.645},{"sentences":[{"text":"Yeah.","start":1586.425,"end":1586.925,"sentiment":"neutral","sentiment_score":0.04864596202969551},{"text":"So with Renee, I just need her date of birth.","start":1587.4601,"end":1590.3601,"sentiment":"neutral","sentiment_score":0.02000018721446395},{"text":"Yep.","start":1593.14,"end":1593.64,"sentiment":"neutral","sentiment_score":0.015938052907586098},{"text":"1989.","start":1596.26,"end":1597.54,"sentiment":"neutral","sentiment_score":0.07937886565923691},{"text":"Beautiful.","start":1597.54,"end":1598.04,"sentiment":"positive","sentiment_score":0.6222559213638306}],"sentiment":"neutral","sentiment_score":0.06901576243607062,"num_words":14,"start":1586.425,"end":1598.04},{"sentences":[{"text":"And at 91 Green Road Parkride as well.","start":1598.5801,"end":1604.1083,"sentiment":"neutral","sentiment_score":0.15305965393781662},{"text":"Oh, oh, okay.","start":1604.995,"end":1606.455,"sentiment":"neutral","sentiment_score":0.03414659885068735},{"text":"Park the typo in there.","start":1606.515,"end":1607.875,"sentiment":"neutral","sentiment_score":-0.041034065559506415},{"text":"Sorry about that.","start":1607.875,"end":1608.935,"sentiment":"neutral","sentiment_score":-0.15705750385920206},{"text":"I was thinking Parkride sounds a bit odd.","start":1610.035,"end":1612.455,"sentiment":"neutral","sentiment_score":-0.13048046734184027}],"sentiment":"neutral","sentiment_score":-0.014565538890935757,"num_words":27,"start":1598.5801,"end":1612.455},{"sentences":[{"text":"And with the beneficiary nomination, there's two types that you can have.","start":1612.835,"end":1617.76,"sentiment":"neutral","sentiment_score":0.0028300618287175894},{"text":"There's a binding and a non lapsing binding.","start":1617.76,"end":1620.8201,"sentiment":"neutral","sentiment_score":-0.006924595567397773},{"text":"So a non lapsing binding means that it won't lapse, and the trustees are bound by it, your decision.","start":1621.2001,"end":1628.42,"sentiment":"neutral","sentiment_score":0.01485761873865206},{"text":"Whereas a binding is it will lapse every three years, and you need to review it.","start":1629.04,"end":1633.985,"sentiment":"neutral","sentiment_score":-0.023601844732183963},{"text":"So what would be your preference?","start":1634.205,"end":1636.3049,"sentiment":"neutral","sentiment_score":0.01016253853837649}],"sentiment":"neutral","sentiment_score":-0.0009146811646699417,"num_words":61,"start":1612.835,"end":1636.3049},{"sentences":[{"text":"Yes.","start":1644.0449,"end":1644.525,"sentiment":"neutral","sentiment_score":0.02198607847094536},{"text":"The nonlapsing?","start":1644.525,"end":1645.1849,"sentiment":"neutral","sentiment_score":0.013290093746036291},{"text":"Yeah.","start":1646.52,"end":1647.02,"sentiment":"neutral","sentiment_score":0.05965976044535637},{"text":"Yep.","start":1647.7201,"end":1648.04,"sentiment":"neutral","sentiment_score":0.09550108015537262},{"text":"Yep.","start":1648.04,"end":1648.36,"sentiment":"neutral","sentiment_score":0.17842070758342743}],"sentiment":"neutral","sentiment_score":0.0636913023578624,"num_words":6,"start":1644.0449,"end":1648.36},{"sentences":[{"text":"Perfect.","start":1648.36,"end":1648.86,"sentiment":"positive","sentiment_score":0.50682532787323},{"text":"Yeah.","start":1649.48,"end":1649.88,"sentiment":"neutral","sentiment_score":0.17592597007751465},{"text":"With part with partners, that's the most common because you can check it can be updated and changed by just lodging a new beneficiary form, and it just avoids having to do it every three form, and it just avoids having to do it every three years.","start":1649.88,"end":1662.925,"sentiment":"neutral","sentiment_score":0.10386978789292117},{"text":"Beautiful.","start":1664.745,"end":1665.245,"sentiment":"positive","sentiment_score":0.4472227692604065},{"text":"Alright.","start":1665.385,"end":1665.785,"sentiment":"neutral","sentiment_score":0.17874348163604736}],"sentiment":"neutral","sentiment_score":0.12138426627087243,"num_words":51,"start":1648.36,"end":1665.785},{"sentences":[{"text":"Well, I yeah.","start":1665.785,"end":1669.405,"sentiment":"neutral","sentiment_score":-0.02645815536379814},{"text":"I I I don't think mine will divorce me either, hopefully.","start":1670.025,"end":1674.4099,"sentiment":"neutral","sentiment_score":-0.12498316236517647},{"text":"Fingers crossed.","start":1674.47,"end":1675.37,"sentiment":"neutral","sentiment_score":-0.04688824713230133},{"text":"Alright.","start":1676.63,"end":1677.0299,"sentiment":"neutral","sentiment_score":0.1021026223897934},{"text":"Beautiful.","start":1677.0299,"end":1677.5299,"sentiment":"positive","sentiment_score":0.41209614276885986}],"sentiment":"neutral","sentiment_score":-0.057431498956349164,"num_words":18,"start":1665.785,"end":1677.5299},{"sentences":[{"text":"Yeah.","start":1679.9099,"end":1680.1499,"sentiment":"neutral","sentiment_score":-0.07215657830238342},{"text":"I don't think mine would let me either.","start":1680.1499,"end":1681.59,"sentiment":"neutral","sentiment_score":-0.2988533042371273},{"text":"I think he'd be in a little bit of trouble if if I if I did.","start":1681.59,"end":1685.5299,"sentiment":"negative","sentiment_score":-0.3490156140178442},{"text":"Not that I would, but you know?","start":1685.6699,"end":1687.2899,"sentiment":"neutral","sentiment_score":-0.11356139715228762},{"text":"And with your review frequency, are you happy to keep it annually, or would you like it a little bit more often?","start":1689.885,"end":1695.745,"sentiment":"neutral","sentiment_score":0.02344898930327459}],"sentiment":"neutral","sentiment_score":-0.1541904602199793,"num_words":54,"start":1679.9099,"end":1695.745},{"sentences":[{"text":"Annual is fine?","start":1699.565,"end":1700.605,"sentiment":"neutral","sentiment_score":0.022341246406237285},{"text":"Okay.","start":1700.605,"end":1701.005,"sentiment":"neutral","sentiment_score":0.1675732284784317},{"text":"Beautiful.","start":1701.005,"end":1701.505,"sentiment":"positive","sentiment_score":0.4367682933807373},{"text":"Alright.","start":1701.89,"end":1702.13,"sentiment":"neutral","sentiment_score":0.181391641497612},{"text":"Well, I'm going to send you through those emails with a couple of with the beneficiary and the brochure for estate planning.","start":1702.13,"end":1708.7101,"sentiment":"neutral","sentiment_score":0.1910087059844624}],"sentiment":"neutral","sentiment_score":0.18053387265120233,"num_words":28,"start":1699.565,"end":1708.7101},{"sentences":[{"text":"In the meantime, if you have any questions at all or you need anything from us, just give us a call, and, we're here to help.","start":1709.65,"end":1721.105,"sentiment":"neutral","sentiment_score":0.16481558376779923},{"text":"Beautiful.","start":1723.245,"end":1723.725,"sentiment":"positive","sentiment_score":0.4085583686828614},{"text":"Well, thank you so much for your time, Craig.","start":1723.725,"end":1725.565,"sentiment":"positive","sentiment_score":0.7379838161998324},{"text":"I really appreciate it.","start":1725.565,"end":1726.945,"sentiment":"positive","sentiment_score":0.7573720663785934},{"text":"Enjoy your day, and hopefully, you're off the road soon.","start":1729.085,"end":1731.665,"sentiment":"positive","sentiment_score":0.5310308456420898}],"sentiment":"positive","sentiment_score":0.3935082922875881,"num_words":50,"start":1709.65,"end":1731.665},{"sentences":[{"text":"Okay.","start":1734.247,"end":1734.747,"sentiment":"neutral","sentiment_score":0.2780570089817047},{"text":"Thank you.","start":1734.8868,"end":1735.6268,"sentiment":"positive","sentiment_score":0.5746622979640961},{"text":"Bye.","start":1736.5669,"end":1737.0669,"sentiment":"neutral","sentiment_score":-0.11688461899757384}],"sentiment":"neutral","sentiment_score":0.32762424647808075,"num_words":4,"start":1734.247,"end":1737.0669}]}}]},{"alternatives":[{"transcript":"I'm not sure. How are you? Yep. Yep. Yep. Yep. 21. Yep. 13. Yes. Sorry. It's You're a bit fine, Nicole. Absolutely. Got it. Yep. Yep. 042 6 287, 118. Yes. Sometimes. Yep. Sorry? Sometimes more. Yeah. I'll look probably sixty at first. 50 to 60. Yeah. Probably about that. Yeah. I'm showing it's I'm showing it's down as I at this stage. So I mean, it's down as, like, owner's drawings or something at the moment. It's in a bit of a financial spot business wise, so it's just down as a moment until the company gets back up on top, and then it'll be back to no one paying super and puffiest. Probably at least advanced that. Nice. Good night. Yes. Yes. And we got our niece living with us at the moment as well with her two kids, and she can't afford to pay rent. Yeah. So after she can't afford to buy food, so I'm helping support, like, three other people as well. So it doesn't go very far. It's been ongoing for the last four or five years, I think. So yeah. It's Probably about 5,000 now. Yep. What? Uh-huh. The credit card's still there. The current balance of it, I think it's down to 10. Yeah. It's almost paid out. I think it's down to about $4 now, I think, somewhat. Jet wise, it'd be probably about $1.50 now. Value wise, probably probably about two hundred years. Yes. Well, I just saw I got married. So it was at twenty eleven. Fifteen years ago. That's still there. Right? Yep. No. No. I oh, we should be able to do it. Yep. Still working towards it. It seems to getting further and further away, though. But prices are actually starting to sort of come down a little bit. So but, yes, that is the ultimate goal. I definitely do want to get my own property somewhere. I've purchased quite not really obviously, cheaper the better, but but the time frame I look I would like to hopefully get something in the next couple of years anyway. I'll slowly get there. The last year has been pretty pretty prolonged because we were looking at moving over to Western Australia, and I moved over there and spent seven months over there, and they almost sent us bankrupt. So, yeah, I I I moved back and been slogging it hard to get on top of stuff. But, yeah, I've got the ATM knocking on my door as well. So it's still a bit touching at the moment. Yeah. Well, credit card's down to I just checked the credit card before. It's down to 91. So and the personal loan. Oh, I know it's gonna be paid off in December. So and it's about $1,000 a month. So look. It's about $4. Yep. Yep. Yep. Although, if I somehow get retirement age, they probably would have raised it up to about 70 or 75 by some way. Oh, but the the way the government's going, We'll never be able to afford to retire. I think that's what we did at the moment. Yeah. 67. Yeah. Well, probably need more than that. It's a cost of living, but yeah. Ideally, if that that would be probably about right. Yeah. Yep. Look. Probably, we'll look at it probably in the next sort of six months or so. Like I said, like, the company is in a position at the moment where I need to focus on getting it to where it needs to be. So one of the recommendations from my account was to liquidate the company, which I'm like, well, I've just spent the last twelve months passing my backside to get on top of stuff, and I'm slowly getting there. So I'm like, yeah. But I don't really wanna be liquidating, not when I'm close to owning majority of my equipment. So therefore, yeah, we have a lot of extra cash flow there. So yeah. Oh, well, hopefully. I looked at there. From what I was told, they basically sort of said to to liquidate due to the fact that if I don't pay the ATO debt within twenty one days, it gets passed on to me being director. And once I get it, it's gonna be paid. Whereas if I look at that company, the debt goes away, which I still don't understand how that works because I thought that was the whole idea of having a director go on tour. They the company goes for the debt still gets passed on to the directors. It does. So I'm kinda like yeah. Yeah. Yes. Yes. Yep. Well, I'm also just leave it where it is. Yep. Yep. I'm driving at the moment, but No. I got it. Yep. Yep. Yep. Okay. Yep. Yep. Yep. No. Okay. Yep. Hey, Amy. Okay. Good. Cool. No. Let me check. Yep. Yep. Yep. No worries. Okay. Yep. Yep. Yeah. Yep. Take up for now. Yep. Yep. Yep. Okay. I thought I got a niece here and the mother-in-law too. Oh, yeah. Yes. I had had the nessies and stuff. Yep. Unfortunately. Yep. Yep. Yep. Yeah. If you want. Yeah. Yep. Eighteenth for the fifth 1989. Parkridge, R O D G Okay. Yep. Okay. The nonbinding one. Nonlapsing. Yep. Yep. Yep. Yep. I'm I'm the last divorce right now, apparently. So yeah. Oh, one one might allow me to. Mhmm. I'm not in the retirement yet. Yep. No worries. No problem. Yes. To hear you. Yeah. 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not sure. How are you? Yep. Yep. Yep.\n\nYep. 21. Yep. 13. Yes.\n\nSorry. It's You're a bit fine, Nicole. Absolutely. Got it. Yep.\n\nYep. 042 6 287, 118. Yes. Sometimes. Yep.\n\nSorry? Sometimes more. Yeah. I'll look probably sixty at first. 50 to 60.\n\nYeah. Probably about that. Yeah. I'm showing it's I'm showing it's down as I at this stage. So I mean, it's down as, like, owner's drawings or something at the moment.\n\nIt's in a bit of a financial spot business wise, so it's just down as a moment until the company gets back up on top, and then it'll be back to no one paying super and puffiest. Probably at least advanced that. Nice. Good night. Yes.\n\nYes. And we got our niece living with us at the moment as well with her two kids, and she can't afford to pay rent. Yeah. So after she can't afford to buy food, so I'm helping support, like, three other people as well. So it doesn't go very far.\n\nIt's been ongoing for the last four or five years, I think. So yeah. It's Probably about 5,000 now. Yep. What?\n\nUh-huh. The credit card's still there. The current balance of it, I think it's down to 10. Yeah. It's almost paid out.\n\nI think it's down to about $4 now, I think, somewhat. Jet wise, it'd be probably about $1.50 now. Value wise, probably probably about two hundred years. Yes. Well, I just saw I got married.\n\nSo it was at twenty eleven. Fifteen years ago. That's still there. Right? Yep.\n\nNo. No. I oh, we should be able to do it. Yep. Still working towards it.\n\nIt seems to getting further and further away, though. But prices are actually starting to sort of come down a little bit. So but, yes, that is the ultimate goal. I definitely do want to get my own property somewhere. I've purchased quite not really obviously, cheaper the better, but but the time frame I look I would like to hopefully get something in the next couple of years anyway.\n\nI'll slowly get there. The last year has been pretty pretty prolonged because we were looking at moving over to Western Australia, and I moved over there and spent seven months over there, and they almost sent us bankrupt. So, yeah, I I I moved back and been slogging it hard to get on top of stuff. But, yeah, I've got the ATM knocking on my door as well. So it's still a bit touching at the moment.\n\nYeah. Well, credit card's down to I just checked the credit card before. It's down to 91. So and the personal loan. Oh, I know it's gonna be paid off in December.\n\nSo and it's about $1,000 a month. So look. It's about $4. Yep. Yep.\n\nYep. Although, if I somehow get retirement age, they probably would have raised it up to about 70 or 75 by some way. Oh, but the the way the government's going, We'll never be able to afford to retire. I think that's what we did at the moment. Yeah.\n\n67. Yeah. Well, probably need more than that. It's a cost of living, but yeah. Ideally, if that that would be probably about right.\n\nYeah. Yep. Look. Probably, we'll look at it probably in the next sort of six months or so. Like I said, like, the company is in a position at the moment where I need to focus on getting it to where it needs to be.\n\nSo one of the recommendations from my account was to liquidate the company, which I'm like, well, I've just spent the last twelve months passing my backside to get on top of stuff, and I'm slowly getting there. So I'm like, yeah. But I don't really wanna be liquidating, not when I'm close to owning majority of my equipment. So therefore, yeah, we have a lot of extra cash flow there. So yeah.\n\nOh, well, hopefully. I looked at there. From what I was told, they basically sort of said to to liquidate due to the fact that if I don't pay the ATO debt within twenty one days, it gets passed on to me being director. And once I get it, it's gonna be paid. Whereas if I look at that company, the debt goes away, which I still don't understand how that works because I thought that was the whole idea of having a director go on tour.\n\nThey the company goes for the debt still gets passed on to the directors. It does. So I'm kinda like yeah. Yeah. Yes.\n\nYes. Yep. Well, I'm also just leave it where it is. Yep. Yep.\n\nI'm driving at the moment, but No. I got it. Yep. Yep. Yep.\n\nOkay. Yep. Yep. Yep. No.\n\nOkay. Yep. Hey, Amy. Okay. Good.\n\nCool. No. Let me check. Yep. Yep.\n\nYep. No worries. Okay. Yep. Yep.\n\nYeah. Yep. Take up for now. Yep. Yep.\n\nYep. Okay. I thought I got a niece here and the mother-in-law too. Oh, yeah. Yes.\n\nI had had the nessies and stuff. Yep. Unfortunately. Yep. Yep.\n\nYep. Yeah. If you want. Yeah. Yep.\n\nEighteenth for the fifth 1989. Parkridge, R O D G Okay. Yep. Okay. The nonbinding one.\n\nNonlapsing. Yep. Yep. Yep. Yep.\n\nI'm I'm the last divorce right now, apparently. So yeah. Oh, one one might allow me to. Mhmm. I'm not in the retirement yet.\n\nYep. No worries. No problem. Yes. To hear you.\n\nYeah. Right.","paragraphs":[{"sentences":[{"text":"I'm not sure.","start":4.72,"end":5.2,"sentiment":"neutral","sentiment_score":-0.04060790315270424},{"text":"How are you?","start":5.2,"end":6.02,"sentiment":"neutral","sentiment_score":-0.0005283964176972707},{"text":"Yep.","start":19.535,"end":20.035,"sentiment":"neutral","sentiment_score":0.10625600814819336},{"text":"Yep.","start":37.75,"end":38.25,"sentiment":"neutral","sentiment_score":0.04896152764558792},{"text":"Yep.","start":46.415,"end":46.915,"sentiment":"neutral","sentiment_score":0.018858209252357483}],"sentiment":"neutral","sentiment_score":0.00562964959277047,"num_words":9,"start":4.72,"end":46.915},{"sentences":[{"text":"Yep.","start":47.934998,"end":48.434998,"sentiment":"neutral","sentiment_score":0.06857681274414062},{"text":"21.","start":57.670002,"end":58.49,"sentiment":"neutral","sentiment_score":0.00333516881801188},{"text":"Yep.","start":60.79,"end":61.29,"sentiment":"neutral","sentiment_score":0.005140496883541346},{"text":"13.","start":66.47,"end":66.97,"sentiment":"neutral","sentiment_score":0.00696188397705555},{"text":"Yes.","start":79.975,"end":80.475,"sentiment":"neutral","sentiment_score":0.014835155569016932}],"sentiment":"neutral","sentiment_score":0.019769903598353268,"num_words":5,"start":47.934998,"end":80.475},{"sentences":[{"text":"Sorry.","start":81.174995,"end":81.674995,"sentiment":"neutral","sentiment_score":0.024604542180895805},{"text":"It's You're a bit fine, Nicole.","start":82.055,"end":83.435,"sentiment":"neutral","sentiment_score":0.06679734090964},{"text":"Absolutely.","start":91.8,"end":92.200005,"sentiment":"neutral","sentiment_score":0.08943416178226471},{"text":"Got it.","start":92.200005,"end":92.520004,"sentiment":"neutral","sentiment_score":0.08136004954576492},{"text":"Yep.","start":92.520004,"end":93.020004,"sentiment":"neutral","sentiment_score":0.06137769669294357}],"sentiment":"neutral","sentiment_score":0.06717459501867945,"num_words":11,"start":81.174995,"end":93.020004},{"sentences":[{"text":"Yep.","start":101.424995,"end":101.825,"sentiment":"neutral","sentiment_score":0.0712445080280304},{"text":"042 6 287, 118.","start":101.825,"end":109.365,"sentiment":"neutral","sentiment_score":0.02812673058360815},{"text":"Yes.","start":120.67,"end":121.17,"sentiment":"neutral","sentiment_score":0.04935289919376373},{"text":"Sometimes.","start":131.685,"end":132.185,"sentiment":"neutral","sentiment_score":0.005524573847651482},{"text":"Yep.","start":132.325,"end":132.825,"sentiment":"neutral","sentiment_score":0.009022599086165428}],"sentiment":"neutral","sentiment_score":0.030956437811255455,"num_words":8,"start":101.424995,"end":132.825},{"sentences":[{"text":"Sorry?","start":133.845,"end":134.345,"sentiment":"neutral","sentiment_score":-0.005505128763616085},{"text":"Sometimes more.","start":139.44499,"end":140.405,"sentiment":"neutral","sentiment_score":0.00169074023142457},{"text":"Yeah.","start":140.405,"end":140.905,"sentiment":"neutral","sentiment_score":0.032540857791900635},{"text":"I'll look probably sixty at first.","start":158.99501,"end":164.21501,"sentiment":"neutral","sentiment_score":-0.006621446693316102},{"text":"50 to 60.","start":164.43501,"end":165.41501,"sentiment":"neutral","sentiment_score":0.006341286624471347}],"sentiment":"neutral","sentiment_score":0.0007471068618962399,"num_words":13,"start":133.845,"end":165.41501},{"sentences":[{"text":"Yeah.","start":179.92,"end":180.16,"sentiment":"neutral","sentiment_score":0.005053507164120674},{"text":"Probably about that.","start":180.16,"end":181.12,"sentiment":"neutral","sentiment_score":-0.006697187510629495},{"text":"Yeah.","start":181.12,"end":181.62,"sentiment":"neutral","sentiment_score":0.027265463024377823},{"text":"I'm showing it's I'm showing it's down as I at this stage.","start":191.045,"end":196.45,"sentiment":"neutral","sentiment_score":-0.042392531565080084},{"text":"So I mean, it's down as, like, owner's drawings or something at the moment.","start":196.51,"end":200.53,"sentiment":"neutral","sentiment_score":-0.07770748330014092}],"sentiment":"neutral","sentiment_score":-0.05110928184923626,"num_words":31,"start":179.92,"end":200.53},{"sentences":[{"text":"It's in a bit of a financial spot business wise, so it's just down as a moment until the company gets back up on top, and then it'll be back to no one paying super and puffiest.","start":201.63,"end":213.805,"sentiment":"neutral","sentiment_score":-0.14867493288742528},{"text":"Probably at least advanced that.","start":236.655,"end":238.67499,"sentiment":"neutral","sentiment_score":0.017501478269696235},{"text":"Nice.","start":246.815,"end":247.315,"sentiment":"neutral","sentiment_score":0.32588624954223633},{"text":"Good night.","start":247.775,"end":248.515,"sentiment":"neutral","sentiment_score":0.09661112353205681},{"text":"Yes.","start":253.62001,"end":254.12001,"sentiment":"neutral","sentiment_score":-0.04433586820960045}],"sentiment":"neutral","sentiment_score":-0.10736288037151098,"num_words":46,"start":201.63,"end":254.12001},{"sentences":[{"text":"Yes.","start":254.66,"end":255.16,"sentiment":"neutral","sentiment_score":-0.051648013293743134},{"text":"And we got our niece living with us at the moment as well with her two kids, and she can't afford to pay rent.","start":256.26,"end":263.995,"sentiment":"neutral","sentiment_score":-0.17612572262684503},{"text":"Yeah.","start":264.215,"end":264.695,"sentiment":"neutral","sentiment_score":-0.038725242018699646},{"text":"So after she can't afford to buy food, so I'm helping support, like, three other people as well.","start":264.695,"end":272.055,"sentiment":"neutral","sentiment_score":-0.1210462103287379},{"text":"So it doesn't go very far.","start":272.055,"end":273.675,"sentiment":"neutral","sentiment_score":-0.19874411821365356}],"sentiment":"neutral","sentiment_score":-0.15377374187111856,"num_words":50,"start":254.66,"end":273.675},{"sentences":[{"text":"It's been ongoing for the last four or five years, I think.","start":282.05,"end":287.73,"sentiment":"neutral","sentiment_score":-0.08991898875683546},{"text":"So yeah.","start":287.73,"end":288.64,"sentiment":"neutral","sentiment_score":-0.008693542331457138},{"text":"It's Probably about 5,000 now.","start":307.41498,"end":309.94998,"sentiment":"neutral","sentiment_score":-0.01575562097132206},{"text":"Yep.","start":309.94998,"end":310.44998,"sentiment":"neutral","sentiment_score":0.002797455061227083},{"text":"What?","start":320.175,"end":320.675,"sentiment":"neutral","sentiment_score":-0.014835642650723456}],"sentiment":"neutral","sentiment_score":-0.0565348210567165,"num_words":21,"start":282.05,"end":320.675},{"sentences":[{"text":"Uh-huh.","start":321.935,"end":322.435,"sentiment":"neutral","sentiment_score":-0.021998470649123192},{"text":"The credit card's still there.","start":323.135,"end":324.575,"sentiment":"neutral","sentiment_score":-0.054297000914812085},{"text":"The current balance of it, I think it's down to 10.","start":324.575,"end":327.615,"sentiment":"neutral","sentiment_score":-0.04426632211966948},{"text":"Yeah.","start":327.615,"end":328.115,"sentiment":"neutral","sentiment_score":0.008907254785299301},{"text":"It's almost paid out.","start":345.96,"end":347.48,"sentiment":"neutral","sentiment_score":-0.018761517480015755}],"sentiment":"neutral","sentiment_score":-0.038479628803377804,"num_words":22,"start":321.935,"end":347.48},{"sentences":[{"text":"I think it's down to about $4 now, I think, somewhat.","start":347.48,"end":352.13498,"sentiment":"neutral","sentiment_score":-0.0008161000230095603},{"text":"Jet wise, it'd be probably about $1.50 now.","start":369.89,"end":376.23,"sentiment":"neutral","sentiment_score":-0.0034310995833948255},{"text":"Value wise, probably probably about two hundred years.","start":379.595,"end":390.975,"sentiment":"neutral","sentiment_score":0.05255294498056173},{"text":"Yes.","start":397.08,"end":397.58,"sentiment":"neutral","sentiment_score":0.05977804586291313},{"text":"Well, I just saw I got married.","start":411.555,"end":412.915,"sentiment":"neutral","sentiment_score":-0.01650012457477195}],"sentiment":"neutral","sentiment_score":0.00937928105039256,"num_words":35,"start":347.48,"end":412.915},{"sentences":[{"text":"So it was at twenty eleven.","start":412.915,"end":414.45502,"sentiment":"neutral","sentiment_score":0.009952110859254995},{"text":"Fifteen years ago.","start":415.155,"end":416.215,"sentiment":"neutral","sentiment_score":0.012921756599098444},{"text":"That's still there.","start":427.92,"end":428.64,"sentiment":"neutral","sentiment_score":-0.02398514250914256},{"text":"Right?","start":428.64,"end":428.72,"sentiment":"neutral","sentiment_score":0.013096211478114128},{"text":"Yep.","start":428.72,"end":429.22,"sentiment":"neutral","sentiment_score":0.013621628284454346}],"sentiment":"neutral","sentiment_score":0.003802881941997579,"num_words":14,"start":412.915,"end":429.22},{"sentences":[{"text":"No.","start":440.095,"end":440.595,"sentiment":"neutral","sentiment_score":-0.09259083122015},{"text":"No.","start":458.75998,"end":459.25998,"sentiment":"neutral","sentiment_score":-0.16278687119483948},{"text":"I oh, we should be able to do it.","start":460.68,"end":462.38,"sentiment":"neutral","sentiment_score":-0.19786792496840158},{"text":"Yep.","start":474.57498,"end":475.07498,"sentiment":"neutral","sentiment_score":0.031353697180747986},{"text":"Still working towards it.","start":481.91,"end":482.95,"sentiment":"neutral","sentiment_score":-0.07398671377450228}],"sentiment":"neutral","sentiment_score":-0.14379888656549156,"num_words":16,"start":440.095,"end":482.95},{"sentences":[{"text":"It seems to getting further and further away, though.","start":482.95,"end":485.29,"sentiment":"neutral","sentiment_score":-0.26091639200846356},{"text":"But prices are actually starting to sort of come down a little bit.","start":486.31,"end":490.55,"sentiment":"neutral","sentiment_score":-0.21889584855391428},{"text":"So but, yes, that is the ultimate goal.","start":490.55,"end":495.625,"sentiment":"neutral","sentiment_score":0.008132892660796642},{"text":"I definitely do want to get my own property somewhere.","start":495.625,"end":499.645,"sentiment":"neutral","sentiment_score":-0.008076655119657517},{"text":"I've purchased quite not really obviously, cheaper the better, but but the time frame I look I would like to hopefully get something in the next couple of years anyway.","start":508.31,"end":524.955,"sentiment":"neutral","sentiment_score":-0.01346656916042169}],"sentiment":"neutral","sentiment_score":-0.08019420062857015,"num_words":70,"start":482.95,"end":524.955},{"sentences":[{"text":"I'll slowly get there.","start":537.41003,"end":539.43005,"sentiment":"neutral","sentiment_score":0.026889987289905548},{"text":"The last year has been pretty pretty prolonged because we were looking at moving over to Western Australia, and I moved over there and spent seven months over there, and they almost sent us bankrupt.","start":539.89,"end":554.91504,"sentiment":"neutral","sentiment_score":-0.1416386539382594},{"text":"So, yeah, I I I moved back and been slogging it hard to get on top of stuff.","start":555.215,"end":565.26,"sentiment":"neutral","sentiment_score":-0.13219213816854689},{"text":"But, yeah, I've got the ATM knocking on my door as well.","start":565.26,"end":568.14,"sentiment":"neutral","sentiment_score":-0.03863637692605456},{"text":"So it's still a bit touching at the moment.","start":568.14,"end":573.60004,"sentiment":"neutral","sentiment_score":-0.05324488045233819}],"sentiment":"neutral","sentiment_score":-0.10477040862688461,"num_words":78,"start":537.41003,"end":573.60004},{"sentences":[{"text":"Yeah.","start":588.835,"end":589.235,"sentiment":"neutral","sentiment_score":0.13108886778354645},{"text":"Well, credit card's down to I just checked the credit card before.","start":589.235,"end":591.955,"sentiment":"neutral","sentiment_score":0.01969608579141398},{"text":"It's down to 91.","start":591.955,"end":593.315,"sentiment":"neutral","sentiment_score":0.008982206869404763},{"text":"So and the personal loan.","start":593.315,"end":599.23,"sentiment":"neutral","sentiment_score":0.30655885469168426},{"text":"Oh, I know it's gonna be paid off in December.","start":600.57,"end":602.83,"sentiment":"neutral","sentiment_score":0.06285752691328525}],"sentiment":"neutral","sentiment_score":0.08014813335466897,"num_words":32,"start":588.835,"end":602.83},{"sentences":[{"text":"So and it's about $1,000 a month.","start":602.89,"end":605.93,"sentiment":"neutral","sentiment_score":0.043436048818486075},{"text":"So look.","start":605.93,"end":606.97,"sentiment":"neutral","sentiment_score":0.03746854141354561},{"text":"It's about $4.","start":606.97,"end":608.26996,"sentiment":"neutral","sentiment_score":0.037833187729120255},{"text":"Yep.","start":629.62,"end":630.12,"sentiment":"neutral","sentiment_score":0.06628697365522385},{"text":"Yep.","start":641.315,"end":641.815,"sentiment":"neutral","sentiment_score":0.025302357971668243}],"sentiment":"neutral","sentiment_score":0.04171987995505333,"num_words":14,"start":602.89,"end":641.815},{"sentences":[{"text":"Yep.","start":641.875,"end":642.375,"sentiment":"neutral","sentiment_score":0.026761269196867943},{"text":"Although, if I somehow get retirement age, they probably would have raised it up to about 70 or 75 by some way.","start":643.635,"end":649.495,"sentiment":"neutral","sentiment_score":-0.07888073863630946},{"text":"Oh, but the the way the government's going, We'll never be able to afford to retire.","start":660.3,"end":665.825,"sentiment":"neutral","sentiment_score":-0.14895796705968678},{"text":"I think that's what we did at the moment.","start":675.405,"end":676.92505,"sentiment":"neutral","sentiment_score":-0.0025936591749389968},{"text":"Yeah.","start":676.92505,"end":677.16504,"sentiment":"neutral","sentiment_score":0.007314828224480152}],"sentiment":"neutral","sentiment_score":-0.0838361338389163,"num_words":49,"start":641.875,"end":677.16504},{"sentences":[{"text":"67.","start":677.16504,"end":678.065,"sentiment":"neutral","sentiment_score":0.002084197476506233},{"text":"Yeah.","start":683.31995,"end":683.81995,"sentiment":"neutral","sentiment_score":0.1370743066072464},{"text":"Well, probably need more than that.","start":683.95996,"end":687.07996,"sentiment":"neutral","sentiment_score":0.017251040165623028},{"text":"It's a cost of living, but yeah.","start":687.07996,"end":688.94,"sentiment":"neutral","sentiment_score":0.05639623238572052},{"text":"Ideally, if that that would be probably about right.","start":689.72,"end":692.835,"sentiment":"neutral","sentiment_score":0.30931973788473344}],"sentiment":"neutral","sentiment_score":0.1425548338641723,"num_words":24,"start":677.16504,"end":692.835},{"sentences":[{"text":"Yeah.","start":700.03503,"end":700.53503,"sentiment":"neutral","sentiment_score":0.06070038303732872},{"text":"Yep.","start":735.695,"end":736.195,"sentiment":"neutral","sentiment_score":0.00774037791416049},{"text":"Look.","start":744.71,"end":745.11005,"sentiment":"neutral","sentiment_score":-0.0055829910561442375},{"text":"Probably, we'll look at it probably in the next sort of six months or so.","start":745.11005,"end":750.23004,"sentiment":"neutral","sentiment_score":-0.0195805208136638},{"text":"Like I said, like, the company is in a position at the moment where I need to focus on getting it to where it needs to be.","start":750.23004,"end":758.625,"sentiment":"neutral","sentiment_score":-0.02845587498611874}],"sentiment":"neutral","sentiment_score":-0.022203525931884845,"num_words":45,"start":700.03503,"end":758.625},{"sentences":[{"text":"So one of the recommendations from my account was to liquidate the company, which I'm like, well, I've just spent the last twelve months passing my backside to get on top of stuff, and I'm slowly getting there.","start":761.245,"end":774.81,"sentiment":"neutral","sentiment_score":-0.03476132261321733},{"text":"So I'm like, yeah.","start":774.81,"end":777.23,"sentiment":"neutral","sentiment_score":-0.020775316283106804},{"text":"But I don't really wanna be liquidating, not when I'm close to owning majority of my equipment.","start":778.375,"end":784.295,"sentiment":"neutral","sentiment_score":-0.10308806729667327},{"text":"So therefore, yeah, we have a lot of extra cash flow there.","start":784.295,"end":789.09503,"sentiment":"neutral","sentiment_score":0.13058868298927942},{"text":"So yeah.","start":789.09503,"end":789.915,"sentiment":"neutral","sentiment_score":0.06391844898462296}],"sentiment":"neutral","sentiment_score":-0.020022295542979893,"num_words":73,"start":761.245,"end":789.915},{"sentences":[{"text":"Oh, well, hopefully.","start":791.28,"end":803.38,"sentiment":"neutral","sentiment_score":0.08334807058175404},{"text":"I looked at there.","start":803.60004,"end":804.66003,"sentiment":"neutral","sentiment_score":-0.01255439780652523},{"text":"From what I was told, they basically sort of said to to liquidate due to the fact that if I don't pay the ATO debt within twenty one days, it gets passed on to me being director.","start":805.625,"end":817.945,"sentiment":"neutral","sentiment_score":-0.0931688941813804},{"text":"And once I get it, it's gonna be paid.","start":817.945,"end":821.47003,"sentiment":"neutral","sentiment_score":0.0038319422552982965},{"text":"Whereas if I look at that company, the debt goes away, which I still don't understand how that works because I thought that was the whole idea of having a director go on tour.","start":821.47003,"end":831.95,"sentiment":"neutral","sentiment_score":-0.24099580768276663}],"sentiment":"neutral","sentiment_score":-0.13111255684032522,"num_words":87,"start":791.28,"end":831.95},{"sentences":[{"text":"They the company goes for the debt still gets passed on to the directors.","start":831.95,"end":836.655,"sentiment":"neutral","sentiment_score":-0.24968912026711873},{"text":"It does.","start":845.675,"end":846.415,"sentiment":"neutral","sentiment_score":-0.16589618474245071},{"text":"So I'm kinda like yeah.","start":846.475,"end":859.62,"sentiment":"neutral","sentiment_score":-0.09979739226400852},{"text":"Yeah.","start":859.62,"end":860.10004,"sentiment":"neutral","sentiment_score":0.020247571170330048},{"text":"Yes.","start":860.10004,"end":860.60004,"sentiment":"neutral","sentiment_score":0.05222457647323608}],"sentiment":"neutral","sentiment_score":-0.18495455943048,"num_words":23,"start":831.95,"end":860.60004},{"sentences":[{"text":"Yes.","start":860.74,"end":861.24,"sentiment":"neutral","sentiment_score":0.0557696595788002},{"text":"Yep.","start":906.97003,"end":907.47003,"sentiment":"neutral","sentiment_score":0.07085023820400238},{"text":"Well, I'm also just leave it where it is.","start":935.21,"end":937.71,"sentiment":"neutral","sentiment_score":0.11767750854293506},{"text":"Yep.","start":939.53,"end":940.03,"sentiment":"neutral","sentiment_score":0.23031656444072723},{"text":"Yep.","start":956.45496,"end":956.95496,"sentiment":"neutral","sentiment_score":0.09725064039230348}],"sentiment":"neutral","sentiment_score":0.11640651380786529,"num_words":13,"start":860.74,"end":956.95496},{"sentences":[{"text":"I'm driving at the moment, but No.","start":967.62,"end":972.26,"sentiment":"neutral","sentiment_score":-0.00202801451086998},{"text":"I got it.","start":972.26,"end":973.0,"sentiment":"neutral","sentiment_score":-0.002739747986197472},{"text":"Yep.","start":990.12,"end":990.62,"sentiment":"neutral","sentiment_score":0.07062973827123642},{"text":"Yep.","start":1018.86005,"end":1019.36005,"sentiment":"neutral","sentiment_score":-0.06920014321804047},{"text":"Yep.","start":1050.8,"end":1051.3,"sentiment":"neutral","sentiment_score":-0.05095819756388664}],"sentiment":"neutral","sentiment_score":-0.005534149849644074,"num_words":13,"start":967.62,"end":1051.3},{"sentences":[{"text":"Okay.","start":1098.635,"end":1099.035,"sentiment":"neutral","sentiment_score":0.08665989339351654},{"text":"Yep.","start":1099.035,"end":1099.535,"sentiment":"neutral","sentiment_score":0.05306781455874443},{"text":"Yep.","start":1125.235,"end":1125.735,"sentiment":"neutral","sentiment_score":0.011373572051525116},{"text":"Yep.","start":1204.7,"end":1205.2,"sentiment":"neutral","sentiment_score":0.039541274309158325},{"text":"No.","start":1209.115,"end":1209.615,"sentiment":"neutral","sentiment_score":-0.1066264808177948}],"sentiment":"neutral","sentiment_score":0.01680321469902992,"num_words":5,"start":1098.635,"end":1209.615},{"sentences":[{"text":"Okay.","start":1261.055,"end":1261.295,"sentiment":"neutral","sentiment_score":0.07976232469081879},{"text":"Yep.","start":1261.295,"end":1261.795,"sentiment":"neutral","sentiment_score":0.09481841325759888},{"text":"Hey, Amy.","start":1310.6,"end":1311.34,"sentiment":"neutral","sentiment_score":0.21024218201637268},{"text":"Okay.","start":1356.72,"end":1357.12,"sentiment":"neutral","sentiment_score":0.3228335380554199},{"text":"Good.","start":1357.12,"end":1357.62,"sentiment":"positive","sentiment_score":0.4533989429473877}],"sentiment":"neutral","sentiment_score":0.22854959716399512,"num_words":6,"start":1261.055,"end":1357.62},{"sentences":[{"text":"Cool.","start":1398.43,"end":1398.93,"sentiment":"neutral","sentiment_score":0.29583656787872314},{"text":"No.","start":1403.3049,"end":1403.465,"sentiment":"neutral","sentiment_score":-0.09020868688821793},{"text":"Let me check.","start":1403.465,"end":1404.2849,"sentiment":"neutral","sentiment_score":-0.0813075602054596},{"text":"Yep.","start":1435.875,"end":1436.375,"sentiment":"neutral","sentiment_score":0.17930927872657776},{"text":"Yep.","start":1449.37,"end":1449.87,"sentiment":"neutral","sentiment_score":0.0067305550910532475}],"sentiment":"neutral","sentiment_score":0.02110643345596535,"num_words":7,"start":1398.43,"end":1449.87},{"sentences":[{"text":"Yep.","start":1462.495,"end":1462.995,"sentiment":"neutral","sentiment_score":0.10425211489200592},{"text":"No worries.","start":1479.2001,"end":1479.8601,"sentiment":"neutral","sentiment_score":0.10217108577489853},{"text":"Okay.","start":1501.4,"end":1501.9,"sentiment":"neutral","sentiment_score":-0.005880286917090416},{"text":"Yep.","start":1519.005,"end":1519.505,"sentiment":"neutral","sentiment_score":-0.1774117350578308},{"text":"Yep.","start":1528.24,"end":1528.74,"sentiment":"neutral","sentiment_score":-0.011175772175192831}],"sentiment":"neutral","sentiment_score":0.01902108204861482,"num_words":6,"start":1462.495,"end":1528.74},{"sentences":[{"text":"Yeah.","start":1531.2,"end":1531.7,"sentiment":"neutral","sentiment_score":-0.001351543702185154},{"text":"Yep.","start":1534.16,"end":1534.66,"sentiment":"neutral","sentiment_score":0.003651535604149103},{"text":"Take up for now.","start":1535.28,"end":1536.0,"sentiment":"neutral","sentiment_score":-0.005783607251942158},{"text":"Yep.","start":1536.0,"end":1536.5,"sentiment":"neutral","sentiment_score":0.048554178327322006},{"text":"Yep.","start":1541.2,"end":1541.7,"sentiment":"neutral","sentiment_score":-0.009634229354560375}],"sentiment":"neutral","sentiment_score":0.0022606889833696187,"num_words":8,"start":1531.2,"end":1541.7},{"sentences":[{"text":"Yep.","start":1545.1549,"end":1545.635,"sentiment":"neutral","sentiment_score":0.006740574724972248},{"text":"Okay.","start":1545.635,"end":1546.135,"sentiment":"neutral","sentiment_score":0.030226189643144608},{"text":"I thought I got a niece here and the mother-in-law too.","start":1547.5549,"end":1550.375,"sentiment":"neutral","sentiment_score":0.09119202840057286},{"text":"Oh, yeah.","start":1554.115,"end":1554.855,"sentiment":"neutral","sentiment_score":0.05593153089284897},{"text":"Yes.","start":1562.88,"end":1563.38,"sentiment":"neutral","sentiment_score":0.04282229766249657}],"sentiment":"neutral","sentiment_score":0.0746727772639133,"num_words":16,"start":1545.1549,"end":1563.38},{"sentences":[{"text":"I had had the nessies and stuff.","start":1563.44,"end":1565.5399,"sentiment":"neutral","sentiment_score":-0.013816990490470613},{"text":"Yep.","start":1565.84,"end":1566.34,"sentiment":"neutral","sentiment_score":0.01297267060726881},{"text":"Unfortunately.","start":1568.0,"end":1568.5,"sentiment":"neutral","sentiment_score":-0.08284644782543182},{"text":"Yep.","start":1576.9049,"end":1577.4049,"sentiment":"neutral","sentiment_score":0.031062323600053787},{"text":"Yep.","start":1577.865,"end":1578.365,"sentiment":"neutral","sentiment_score":0.01386643387377262}],"sentiment":"neutral","sentiment_score":-0.011060359379784628,"num_words":11,"start":1563.44,"end":1578.365},{"sentences":[{"text":"Yep.","start":1580.265,"end":1580.765,"sentiment":"neutral","sentiment_score":0.03933192789554596},{"text":"Yeah.","start":1585.1,"end":1585.34,"sentiment":"neutral","sentiment_score":0.04176976531744003},{"text":"If you want.","start":1585.34,"end":1586.0599,"sentiment":"neutral","sentiment_score":0.026740120723843575},{"text":"Yeah.","start":1586.0599,"end":1586.5599,"sentiment":"neutral","sentiment_score":0.046454884111881256},{"text":"Yep.","start":1586.94,"end":1587.44,"sentiment":"neutral","sentiment_score":0.022469138726592064}],"sentiment":"neutral","sentiment_score":0.03289229688899858,"num_words":7,"start":1580.265,"end":1587.44},{"sentences":[{"text":"Eighteenth for the fifth 1989.","start":1591.18,"end":1595.595,"sentiment":"neutral","sentiment_score":0.01291404515504837},{"text":"Parkridge, R O D G Okay.","start":1603.0349,"end":1628.295,"sentiment":"neutral","sentiment_score":0.039816700077305235},{"text":"Yep.","start":1629.3151,"end":1629.8151,"sentiment":"neutral","sentiment_score":-0.01591329276561737},{"text":"Okay.","start":1641.26,"end":1641.5801,"sentiment":"neutral","sentiment_score":0.007724958006292582},{"text":"The nonbinding one.","start":1641.5801,"end":1644.16,"sentiment":"neutral","sentiment_score":0.014871836019059023}],"sentiment":"neutral","sentiment_score":0.021243599971057847,"num_words":16,"start":1591.18,"end":1644.16},{"sentences":[{"text":"Nonlapsing.","start":1646.3,"end":1646.8,"sentiment":"neutral","sentiment_score":0.00997287966310978},{"text":"Yep.","start":1647.02,"end":1647.52,"sentiment":"neutral","sentiment_score":0.07469500601291656},{"text":"Yep.","start":1659.895,"end":1660.215,"sentiment":"neutral","sentiment_score":0.05768273398280144},{"text":"Yep.","start":1660.215,"end":1660.715,"sentiment":"neutral","sentiment_score":0.009290805086493492},{"text":"Yep.","start":1663.415,"end":1663.915,"sentiment":"neutral","sentiment_score":0.12187828868627548}],"sentiment":"neutral","sentiment_score":0.054703942686319354,"num_words":5,"start":1646.3,"end":1663.915},{"sentences":[{"text":"I'm I'm the last divorce right now, apparently.","start":1665.8,"end":1667.7201,"sentiment":"neutral","sentiment_score":-0.04366155155003071},{"text":"So yeah.","start":1667.7201,"end":1668.4601,"sentiment":"neutral","sentiment_score":-0.030809028074145317},{"text":"Oh, one one might allow me to.","start":1676.4401,"end":1678.215,"sentiment":"neutral","sentiment_score":0.13904649232115066},{"text":"Mhmm.","start":1688.375,"end":1688.875,"sentiment":"neutral","sentiment_score":-0.00967363454401493},{"text":"I'm not in the retirement yet.","start":1697.4299,"end":1699.13,"sentiment":"neutral","sentiment_score":-0.10528571034471194}],"sentiment":"neutral","sentiment_score":-0.0032905382880320153,"num_words":24,"start":1665.8,"end":1699.13},{"sentences":[{"text":"Yep.","start":1709.605,"end":1710.105,"sentiment":"neutral","sentiment_score":-0.03407161682844162},{"text":"No worries.","start":1721.7201,"end":1727.56,"sentiment":"neutral","sentiment_score":0.19092128425836563},{"text":"No problem.","start":1727.56,"end":1728.2201,"sentiment":"positive","sentiment_score":0.40128564834594727},{"text":"Yes.","start":1732.645,"end":1732.885,"sentiment":"neutral","sentiment_score":0.219134658575058},{"text":"To hear you.","start":1732.885,"end":1733.7051,"sentiment":"neutral","sentiment_score":0.250343124071757}],"sentiment":"neutral","sentiment_score":0.2356118087967237,"num_words":9,"start":1709.605,"end":1733.7051},{"sentences":[{"text":"Yeah.","start":1735.285,"end":1735.785,"sentiment":"neutral","sentiment_score":0.2827904224395752},{"text":"Right.","start":1736.165,"end":1736.665,"sentiment":"neutral","sentiment_score":0.32465362548828125}],"sentiment":"neutral","sentiment_score":0.3037220239639282,"num_words":2,"start":1735.285,"end":1736.665}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hi, Craig. It's Jenny here. How are you today?\n\nChannel 1: I'm not sure. How are you?\n\nChannel 0: I'm well. Thank you. I'm well. Thank you for attending my call. Just ringing today to complete your annual review.\n\nDo you have time for that now? Yeah. Yep.\n\nChannel 1: Yep.\n\nChannel 0: So part of our annual review process is that I'm gonna send you an annual review pack shortly. Before I do so, I just wanna run through your personal financial information that we have on file to make sure it's up to date and correct. Is that okay with you?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Beautiful. Thanks, Craig. I have your marital status here as married. Is that still correct?\n\nYou're\n\nChannel 1: Yep.\n\nChannel 0: married to Renee? Yes?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Fantastic. And we have that you have two dependents. Is that still correct or if you had more?\n\nChannel 1: 21.\n\nChannel 0: Only one?\n\nChannel 1: Yep.\n\nChannel 0: And how old are they?\n\nChannel 1: 13.\n\nChannel 0: Yep. Okay. Beautiful. And we don't have a next of kin notice down here. Would that be Renee for you?\n\nChannel 1: Yes.\n\nChannel 0: Yeah.\n\nChannel 1: Sorry.\n\nChannel 0: Beautiful.\n\nChannel 1: It's You're a bit fine, Nicole.\n\nChannel 0: Sorry. Sometimes I get that feedback. So I'm just gonna hold the speaker to my mouth a little bit closer. Is that better?\n\nChannel 1: Absolutely. Got it. Yep.\n\nChannel 0: Yep. Okay. Fantastic. With Renee, can I just get her contact number, please, to record as your next\n\nChannel 1: Yep. 042\n\nChannel 0: again?\n\nChannel 1: 6\n\nChannel 0: Yeah.\n\nChannel 1: 287,\n\nChannel 0: Yeah.\n\nChannel 1: 118.\n\nChannel 0: Beautiful. Fantastic. Thank you for that. So moving on to your occupation and employment, are you still self employed as a truck driver?\n\nChannel 1: Yes.\n\nChannel 0: Yes? Very good. Looks like you travel some significant kilometers per day. Is it still nine\n\nChannel 1: Sometimes.\n\nChannel 0: 100?\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Sorry?\n\nChannel 0: Is it still around the 900 kilometers per day?\n\nChannel 1: Sometimes more. Yeah.\n\nChannel 0: Yep. Okay. Beautiful. Oh, wow. Sorry.\n\nDo you roughly how many hours per week would you work? It's like that, isn't it?\n\nChannel 1: I'll look probably sixty at first. 50\n\nChannel 0: Yeah.\n\nChannel 1: to 60.\n\nChannel 0: Yep. Okay. Alright. And we had your income down as 82,000. Would that be correct still?\n\nChannel 1: Yeah. Probably about that. Yeah.\n\nChannel 0: Yep. Okay. And are you paying yourself any\n\nChannel 1: I'm showing it's I'm showing it's down\n\nChannel 0: super?\n\nChannel 1: as I at this stage. So I mean, it's down as, like, owner's drawings or something at the moment. It's in a bit of a financial spot business wise, so it's just down as a moment until the company gets back up on top, and then it'll be back to no one paying super and puffiest.\n\nChannel 0: Okay. Alright. I'll just make a note of that. And we had previously recorded your expenditure being about a thousand dollars a week. Is that still accurate?\n\nChannel 1: Probably at least advanced that.\n\nChannel 0: Yeah. And are you managing to have any savings each week?\n\nChannel 1: Nice. Good\n\nChannel 0: No.\n\nChannel 1: night.\n\nChannel 0: That no. It's a bit hard in this environment, isn't it?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yeah.\n\nChannel 1: And we got our niece living with us at the moment as well with her two kids, and she can't afford to pay rent.\n\nChannel 0: Okay.\n\nChannel 1: Yeah. So\n\nChannel 0: Yeah.\n\nChannel 1: after she can't afford to buy food, so I'm helping support, like, three other people as well. So it doesn't go very far.\n\nChannel 0: No. No. No. No. It's very nice of you to do that.\n\nChannel 1: It's been ongoing for the last four or five years, I think. So yeah.\n\nChannel 0: Wow. Okay. Alright. I just wanted to check asset wise. We had a motorbike here valued at 7,000.\n\nWould that still be correct?\n\nChannel 1: It's Probably about 5,000 now. Yep.\n\nChannel 0: Yep. We had a credit card debt of 11,000. Is that still\n\nChannel 1: What?\n\nChannel 0: present?\n\nChannel 1: Uh-huh. The credit card's still there. The current balance of it, I think it's down to 10. Yeah.\n\nChannel 0: Yep. Okay. We had a personal loan of 17,000. Is that still current?\n\nChannel 1: It's almost paid out. I think it's down to about $4 now, I think, somewhat.\n\nChannel 0: Beautiful. And we have three trucks valued at 270,000 with a debt of 250. Is that still current?\n\nChannel 1: Jet wise, it'd be probably about $1.50 now.\n\nChannel 0: Yeah.\n\nChannel 1: Value wise, probably probably about two hundred years.\n\nChannel 0: Yep. Beautiful. And you've still got the three trucks?\n\nChannel 1: Yes.\n\nChannel 0: Okay. Beautiful. Have you ever been declared bankrupt? Yes. Okay.\n\nHow long ago was that?\n\nChannel 1: Well, I just saw I got married. So it was at twenty eleven. Fifteen years ago.\n\nChannel 0: Yep. Beautiful. No worries at all. Do we have your weight down here. Is it a at a 100 kilograms?\n\nWould that still be right?\n\nChannel 1: That's still there. Right? Yep.\n\nChannel 0: Yep. Any significant health issues or injuries since you we last spoke with you? No. Fantastic. Do you have private health insurance?\n\nChannel 1: No.\n\nChannel 0: No. That's fine. Alright. And just lastly, last time we spoke, you didn't have your any estate planning in place for your wills and power of attorney. Have you managed to get those looked at or created yet?\n\nChannel 1: No.\n\nChannel 0: Nope? Okay.\n\nChannel 1: I oh, we should\n\nChannel 0: No.\n\nChannel 1: be able to do it.\n\nChannel 0: Yeah. Yeah. We can talk about that in a little bit if you like. I'm just going to jump over now to what we had on record previously with your goals and objectives. One of them was\n\nChannel 1: Yep.\n\nChannel 0: for the medium term was to purchase a property. Is that still a goal that you're working towards?\n\nChannel 1: Still working towards it. It seems to getting\n\nChannel 0: Yep.\n\nChannel 1: further and further away, though.\n\nChannel 0: Yeah. Okay.\n\nChannel 1: But prices are actually starting to sort of come down a little bit. So\n\nChannel 0: Yep.\n\nChannel 1: but, yes, that is the ultimate goal. I definitely do want to get my own property somewhere.\n\nChannel 0: Yeah. Okay. Do you have any kind of time frame you're looking at or purchase price?\n\nChannel 1: I've purchased quite not really obviously, cheaper the better, but\n\nChannel 0: Yeah. Of course.\n\nChannel 1: but the time frame I look I would like to hopefully get something in the next couple of years anyway.\n\nChannel 0: Okay. Okay. And are you have you got any savings? Are you working on any savings to for a deposit?\n\nChannel 1: I'll slowly get there. The\n\nChannel 0: Yep.\n\nChannel 1: last year has been pretty pretty prolonged because we were looking at moving over to Western Australia, and I moved over there and spent seven months over there, and they almost sent us bankrupt. So, yeah,\n\nChannel 0: Yeah. Okay. Yep. Fair\n\nChannel 1: I I I moved back and been slogging it hard to get on top of stuff. But, yeah, I've got the ATM knocking on my door as well. So\n\nChannel 0: enough.\n\nChannel 1: it's\n\nChannel 0: Yeah.\n\nChannel 1: still\n\nChannel 0: Okay.\n\nChannel 1: a bit touching at the moment.\n\nChannel 0: Okay. No worries. Alright. And you're still focusing on paying down your personal loan and credit cards? I can see that you've made great inroads there even just in the reduction\n\nChannel 1: Yeah.\n\nChannel 0: of\n\nChannel 1: Well,\n\nChannel 0: personal\n\nChannel 1: credit card's down to I just checked the credit card before. It's down to 91. So\n\nChannel 0: loan. 91. Beautiful. Fantastic.\n\nChannel 1: and the personal loan. Oh, I know it's gonna be paid off in December. So\n\nChannel 0: Yep.\n\nChannel 1: and it's about $1,000 a month. So look. It's about $4.\n\nChannel 0: Okay. Okay. Fantastic. Beautiful. Making fantastic inroads there.\n\nOne your your goal in relation to superannuation was while you are young, you're willing to take risks with your super, especially since there is more there is active monitor monitoring available. Closer to the\n\nChannel 1: Yep.\n\nChannel 0: time when you retire, you want to reduce the risk to protect your super in anticipation of getting ready for retirement. So it is that still applicable?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Yeah. So\n\nChannel 1: Although, if I somehow get retirement age, they probably would have raised it up to about 70 or 75 by some way.\n\nChannel 0: yeah. It's it's hard to know, isn't it? That's what you know, I'm probably in in a similar age bracket, so it's hard to know what they're gonna do\n\nChannel 1: Oh,\n\nChannel 0: and\n\nChannel 1: but\n\nChannel 0: how it's\n\nChannel 1: the\n\nChannel 0: gonna\n\nChannel 1: the way\n\nChannel 0: impact.\n\nChannel 1: the government's going,\n\nChannel 0: Yeah.\n\nChannel 1: We'll never be able to afford to retire.\n\nChannel 0: Yeah. And on retirement, I note that you've got another goal here that you're thinking 67 will be your retirement age.\n\nChannel 1: I think that's what we did at the moment. Yeah. 67.\n\nChannel 0: Yeah. With an ideal income of 1,000 a week. Do you still think that's right?\n\nChannel 1: Yeah. Well,\n\nChannel 0: Yeah.\n\nChannel 1: probably\n\nChannel 0: Oh,\n\nChannel 1: need\n\nChannel 0: in\n\nChannel 1: more\n\nChannel 0: today's\n\nChannel 1: than that. It's\n\nChannel 0: dollars.\n\nChannel 1: a cost of living,\n\nChannel 0: Yeah.\n\nChannel 1: but yeah.\n\nChannel 0: Yep.\n\nChannel 1: Ideally, if that that would be probably about right.\n\nChannel 0: So yep. Okay. So that would be in today's dollars. So a thousand dollars today might be worth 2,000 once for a\n\nChannel 1: Yeah.\n\nChannel 0: tire, etcetera. So, obviously, we keep it in pace with inflation. And then your other goal was that you currently do not have any TPD or income protection, and you really should get it covered given your occupation. But I do note that you do have PPD cover now. So I think that that in in itself is that goal's been achieved, but I do note that you don't have any income protection.\n\nChannel 1: Yep.\n\nChannel 0: Is that something that you wanted to look at? Or\n\nChannel 1: Look. Probably, we'll look at it probably in the next sort of six months or so. Like I said, like, the company is in a position\n\nChannel 0: yep.\n\nChannel 1: at the moment where I need to focus on\n\nChannel 0: Yep.\n\nChannel 1: getting it to where it needs to be.\n\nChannel 0: Yes. Of course.\n\nChannel 1: So one of the recommendations from my account was to liquidate the company, which I'm like, well, I've just spent the last twelve months passing my backside to get on top of stuff, and I'm slowly getting there. So I'm like, yeah. But\n\nChannel 0: Yeah.\n\nChannel 1: I don't really wanna be liquidating, not when I'm close to owning majority of my equipment. So therefore,\n\nChannel 0: Yep.\n\nChannel 1: yeah, we have a lot of extra cash flow there. So yeah.\n\nChannel 0: Yeah. Of course.\n\nChannel 1: Oh,\n\nChannel 0: Of course. Well, hopefully, the hopefully, it's all all your hard work's gonna pay off. I'm sure it will, you know, when we set\n\nChannel 1: well,\n\nChannel 0: our\n\nChannel 1: hopefully.\n\nChannel 0: minds to things.\n\nChannel 1: I looked at there. From what I was told, they basically sort of said to to liquidate due to the fact that if I don't pay the ATO debt within twenty one days, it gets passed on to me being director. And once I get it, it's gonna be paid. Whereas if I look at that company, the debt goes away, which I still\n\nChannel 0: Yeah.\n\nChannel 1: don't understand how that works because I thought that was the whole idea of having a director go on tour. They the company goes\n\nChannel 0: Yeah.\n\nChannel 1: for the debt still gets passed on to the directors.\n\nChannel 0: Yeah. That that doesn't make a great I'm not I'm not up on my on that type of tax, but, yeah, that it does sound a bit odd, doesn't\n\nChannel 1: It does. So I'm kinda like\n\nChannel 0: it? Yeah. Okay. Yep. Okay.\n\nSo you've got a lot more significant factors to deal with at the moment.\n\nChannel 1: yeah. Yeah. Yes. Yes.\n\nChannel 0: Understand completely. So the next section of this is a risk profile. You're currently invested as a high growth investor, which typically means that we have 90% of your assets allocated to growth and 10% to defensive type assets. What we would typically expect in that type of profile is a one in five one year in every one every five years, one year would be a negative, and you'd need a minimum time frame of eight years to invest in this portfolio to allow for the market fluctuation to ride out the the bad the bad days, essentially.\n\nChannel 1: Yep.\n\nChannel 0: I know one of your goals was to take the risks with your super while you have the opportunity to. So I want to confirm with you whether you're happy to maintain that risk profile and that approach to risk or whether you wanted to look at completing the risk profile and see if you feel that you wanna decrease your your allocation to growth assets a little bit.\n\nChannel 1: Well, I'm also just leave it where it is.\n\nChannel 0: Yeah? And you're comfortable\n\nChannel 1: Yep.\n\nChannel 0: with the the when I send you the pack, we can go through that in a little bit more just to make sure that you're comfortable with it and how it works. There's a little visual tool in there that we use that helps explain it a little bit.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So what I have done is I have just sent you an email. Do you have access to your emails at\n\nChannel 1: I'm driving at the moment,\n\nChannel 0: all?\n\nChannel 1: but\n\nChannel 0: Oh, sorry. I didn't realize you're driving.\n\nChannel 1: No.\n\nChannel 0: Okay.\n\nChannel 1: I got it.\n\nChannel 0: So I'm gonna talk through these documents. You can have a look at them once you have the chance to. And then if you've got any questions, once you've had a chance to look at them, you can send me an email or give me a callback, and we can talk through them. Basically,\n\nChannel 1: Yep.\n\nChannel 0: the front page is just a very brief summary of your super and insurance, which is with Netwealth. Current value is about $73,903, and you've got your life and TPD insurance with Zurich for $935,940, and that's funded from your Netwealth super balance, those premiums.\n\nChannel 1: Yep.\n\nChannel 0: The return on your portfolio in the last twelve months has been not great. I know earlier this year, we in March, we moved you out of the Bennelong Australian equity fund due to underperformance. So that the report still in the last twelve months includes those negative reports from Bennelong. So the twelve month return was negative 1.12%. And what we've\n\nChannel 1: Yep.\n\nChannel 0: gone and done is included a six month performance to report to show you how the the portfolio is recovering now that Bennelong is no longer within your portfolio. So when you're able to have a look, you'll see from the twelve months to the six month report that the in the last six months, your portfolio has returned 5.38%. So in a twelve month period with a high growth portfolio, we'd expect an average return of eight to 10% grosser fees. So you're well on the way to achieving that return in a high high growth portfolio now that we've redigged your portfolio a little bit to remove that underperforming fund and replace it with a with\n\nChannel 1: Okay.\n\nChannel 0: the beta\n\nChannel 1: Yep.\n\nChannel 0: shares Australian ETF. Within that pack is also a Vanguard index chart. It's a bright red document, bright red header. The top four on the right hand column, your shares being international Australian and US and property, they're your growth assets. So they're the ones where we're heavily invested in, the 90%, typically.\n\nAnd then\n\nChannel 1: Yep.\n\nChannel 0: below below that is your bonds and cash, which is your defensive asset sitting around 10%. What the graph does is it shows you the volatility of those growth assets and over time how the market reacts. So long term, we you know, growth is always expected, but you've gotta be in it for a period of time to be able to withstand those losses and fluctuations. So that's why we say a minimum of eight years for a high growth portfolio. And it's a great tool to look at just visually to say, okay.\n\nI understand about 90% of my funds are gonna go up and down significantly with those top four, and I can withstand that for at least eight years. I note that you're about thirteen years from accessing super, so you can access it from the age of 60. But if your retirement is 67, you're looking about twenty years. So you do have time on your side to, withstand and hold when there is fluctuations in that risk profile, and we would always review it every year with you anyway to see if there's a need to decrease the exposure to that growth assets.\n\nChannel 1: Yep.\n\nChannel 0: Any any questions with that?\n\nChannel 1: No.\n\nChannel 0: No? All good. Perfect. The in within that pack as well is the financial services well, our financial services guide. It just explains who we are, who our licensee is that we are licensed by.\n\nIt explains the advice services we provide, how we provide them, the standard fee structure, and if you're unhappy with any of the services we provide, the complaints process. So that document is within the pack, and you'll also find it on our website. The and now the next the following three documents in the pack, so the last three, actually require your signature when you've had a chance to review them, and you can do it electronically through the email that we've sent to you.\n\nChannel 1: Okay. Yep.\n\nChannel 0: The first one that requires your consent, which is signing, is the ongoing fee consent. So this is the advice fee that you pay us, and it's funded from your super fund. It's a $6 fee, and it's a $106.70 per month. So annually, that equates to $1,280.40. And that covers you for your annual review and also any other ad hoc advice or conversation that you need to have with us.\n\nSo there's no limit on the the times that we can speak with you. We're not gonna limit that. So we're your adviser, and we're here to help in any capacity in which we can.\n\nChannel 1: Hey, Amy.\n\nChannel 0: Yep. So we'd need you to sign that if you wish to continue being a client and having us as your adviser, the next document that we ask that you sign is the tax file number. So what that allows us to do is you're approving basically that you're happy for us to retain your tax file number on record. The reason why we have it is because of your superannuation fund. So when we set it up, we provided it to Netwealth to ensure that, you know, you're not taxed ex exorbitantly because you didn't provide your tax file number.\n\nSo this just gives us the authority to hold that from a privacy perspective.\n\nChannel 1: Okay. Good.\n\nChannel 0: And then the last document is an authorization to search for lost super. So one of the services we provide is that we, on your behalf, can look for any lost super, and we do this for all of our clients that could potentially be with the ATO or in a holding fund somewhere. So if you would like us to do that on your behalf, you could sign that form, and we can do that. And if we do find any lost super that's connected to you, we'd reach out to you and go through the process in getting that consolidated and advice provided.\n\nChannel 1: Cool.\n\nChannel 0: Yeah. So any questions?\n\nChannel 1: No. Let me check.\n\nChannel 0: No? Okay. Well, from my perspective, that's about it. From a review perspective, We've looked at the other funds within your portfolio, and we're quite happy with those with no immediate red flags being identified for us or recommendations in relation to chain making investment switches at the moment.\n\nChannel 1: Yep.\n\nChannel 0: So I think from from my perspective, the one thing I probably would strongly recommend is looking at your wills and enduring power of attorney.\n\nChannel 1: Yep.\n\nChannel 0: And if you would like me to, I can send you through some information on that of of just what they are, what I'm sure you know what they are, but the the\n\nChannel 1: Yep.\n\nChannel 0: benefit of them. But, also, we do have a professional partner that does work on these with our clients at a re quite a reasonable rate. But it's just an information brochure if you want me to send that through to you.\n\nChannel 1: No worries.\n\nChannel 0: Yeah? Okay. What I will do is I'll send you through that brochure. There's no the only other items that I will send to you that I've noted is that you don't have a beneficiary nomination in your Netwealth Superfund, which\n\nChannel 1: Okay.\n\nChannel 0: means the trustees can decide who your super goes to. Now given that Renee is your your wife, it's likely that the trustees will decide that it's paid to her because she's a financial dependent on the superannuation legislation act, but\n\nChannel 1: Yep.\n\nChannel 0: it just does hold up the process. So I will arrange to get that form sent to you. It does\n\nChannel 1: Yep.\n\nChannel 0: need a wet a a wet signature. Do you have\n\nChannel 1: Yeah.\n\nChannel 0: access to a printer, or do you want me to post it?\n\nChannel 1: Yep.\n\nChannel 0: Yeah?\n\nChannel 1: Take up for now.\n\nChannel 0: Okay.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. So you will need two people to witness it,\n\nChannel 1: Yep.\n\nChannel 0: but the beneficiary is unable to witness it. So\n\nChannel 1: Yep. Okay.\n\nChannel 0: yeah.\n\nChannel 1: I thought\n\nChannel 0: And\n\nChannel 1: I got\n\nChannel 0: I\n\nChannel 1: a\n\nChannel 0: can\n\nChannel 1: niece here and the mother-in-law too.\n\nChannel 0: beautiful. You got a full house.\n\nChannel 1: Oh, yeah.\n\nChannel 0: Yeah. I understand. I got my nephew living with me, so I understand it. But, thankfully, he has\n\nChannel 1: Yes.\n\nChannel 0: no children\n\nChannel 1: I had\n\nChannel 0: to\n\nChannel 1: had\n\nChannel 0: go along\n\nChannel 1: the nessies\n\nChannel 0: with that.\n\nChannel 1: and stuff. Yep.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: Unfortunately.\n\nChannel 0: Yeah. Yeah. Did you want Renee to be your beneficiary on your super, which also is\n\nChannel 1: Yep.\n\nChannel 0: feeds through to\n\nChannel 1: Yep.\n\nChannel 0: your life insurance policy? Yep.\n\nChannel 1: Yep.\n\nChannel 0: Would you like us to prefill the form for you so you can just sign\n\nChannel 1: Yeah.\n\nChannel 0: it?\n\nChannel 1: If you want. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: So with Renee, I just need her date of birth.\n\nChannel 1: Eighteenth for the fifth\n\nChannel 0: Yep.\n\nChannel 1: 1989.\n\nChannel 0: 1989. Beautiful. And at 91 Green Road Parkride as\n\nChannel 1: Parkridge,\n\nChannel 0: well.\n\nChannel 1: R O D G\n\nChannel 0: Oh, oh, okay. Park the typo in there. Sorry about that. I was thinking Parkride sounds a bit odd. And with the beneficiary nomination, there's two types that you can have.\n\nThere's a binding and a non lapsing binding. So a non lapsing binding means that it won't lapse, and the trustees are bound by it, your\n\nChannel 1: Okay.\n\nChannel 0: decision. Whereas\n\nChannel 1: Yep.\n\nChannel 0: a binding is it will lapse every three years, and you need to review it. So what would be your preference?\n\nChannel 1: Okay. The nonbinding one.\n\nChannel 0: Yes. The nonlapsing?\n\nChannel 1: Nonlapsing.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Yep. Perfect. Yeah. With part with partners, that's the most common because you can check it can be updated and changed by just lodging a new beneficiary form, and it just avoids having to do it every three form, and it\n\nChannel 1: Yep.\n\nChannel 0: just avoids\n\nChannel 1: Yep.\n\nChannel 0: having to do it every three years.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Alright. Well,\n\nChannel 1: I'm I'm the last divorce\n\nChannel 0: I\n\nChannel 1: right now, apparently. So yeah.\n\nChannel 0: yeah. I I I don't think mine will divorce me either, hopefully. Fingers crossed.\n\nChannel 1: Oh,\n\nChannel 0: Alright.\n\nChannel 1: one one\n\nChannel 0: Beautiful.\n\nChannel 1: might allow me to.\n\nChannel 0: Yeah. I don't think mine would let me either. I think he'd be in a little bit of trouble if if I if I did. Not that I would, but you know?\n\nChannel 1: Mhmm.\n\nChannel 0: And with your review frequency, are you happy to keep it annually, or would you like it a little bit more often?\n\nChannel 1: I'm not in the retirement yet.\n\nChannel 0: Annual is fine? Okay. Beautiful. Alright. Well, I'm going to send you through those emails with a couple of with the beneficiary and the brochure for estate planning.\n\nChannel 1: Yep.\n\nChannel 0: In the meantime, if you have any questions at all or you need anything from us, just give us a call, and, we're here to help.\n\nChannel 1: No\n\nChannel 0: Beautiful. Well, thank you so much for your time, Craig. I really appreciate it.\n\nChannel 1: worries. No problem.\n\nChannel 0: Enjoy your day, and hopefully, you're off the road soon.\n\nChannel 1: Yes. To hear you.\n\nChannel 0: Okay. Thank you.\n\nChannel 1: Yeah. Right.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hi, Craig.","start":1.5999999,"end":2.24,"sentiment":"neutral","sentiment_score":0.1512923687696457},{"text":"It's Jenny here.","start":2.24,"end":3.04,"sentiment":"neutral","sentiment_score":0.19198826452096304},{"text":"How are you today?","start":3.04,"end":3.9399998,"sentiment":"neutral","sentiment_score":0.20640689134597778}],"sentiment":"neutral","sentiment_score":0.18935301072067684,"channel":0,"num_words":9,"start":1.5999999,"end":3.9399998},{"sentences":[{"text":"I'm not sure.","start":4.72,"end":5.2,"sentiment":"neutral","sentiment_score":-0.04060790315270424},{"text":"How are you?","start":5.2,"end":6.02,"sentiment":"neutral","sentiment_score":-0.0005283964176972707}],"sentiment":"neutral","sentiment_score":-0.020568149785200756,"channel":1,"num_words":6,"start":4.72,"end":6.02},{"sentences":[{"text":"I'm well.","start":6.24,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.2284991443157196},{"text":"Thank you.","start":6.8799996,"end":7.3599997,"sentiment":"positive","sentiment_score":0.5750097036361694},{"text":"I'm well.","start":7.3599997,"end":8.18,"sentiment":"positive","sentiment_score":0.42748141288757324},{"text":"Thank you for attending my call.","start":8.72,"end":10.42,"sentiment":"positive","sentiment_score":0.5280666997035345},{"text":"Just ringing today to complete your annual review.","start":11.679999,"end":14.3949995,"sentiment":"neutral","sentiment_score":0.27973201498389244}],"sentiment":"positive","sentiment_score":0.39341184198856355,"channel":0,"num_words":20,"start":6.24,"end":14.3949995},{"sentences":[{"text":"Do you have time for that now?","start":14.3949995,"end":16.255,"sentiment":"neutral","sentiment_score":0.18431748236928666},{"text":"Yeah.","start":18.555,"end":19.055,"sentiment":"neutral","sentiment_score":0.09725964814424516},{"text":"Yep.","start":19.355,"end":19.855,"sentiment":"neutral","sentiment_score":0.09205520153045654}],"sentiment":"neutral","sentiment_score":0.1643930251399676,"channel":0,"num_words":9,"start":14.3949995,"end":19.855},{"sentences":[{"text":"Yep.","start":19.535,"end":20.035,"sentiment":"neutral","sentiment_score":0.10625600814819336}],"sentiment":"neutral","sentiment_score":0.10625600814819336,"channel":1,"num_words":1,"start":19.535,"end":20.035},{"sentences":[{"text":"So part of our annual review process is that I'm gonna send you an annual review pack shortly.","start":21.275,"end":26.574999,"sentiment":"neutral","sentiment_score":0.11489884720908271},{"text":"Before I do so, I just wanna run through your personal financial information that we have on file to make sure it's up to date and correct.","start":27.8,"end":35.32,"sentiment":"neutral","sentiment_score":0.10205572953930607},{"text":"Is that okay with you?","start":35.32,"end":36.54,"sentiment":"neutral","sentiment_score":0.07411660701036453}],"sentiment":"neutral","sentiment_score":0.10388533964753151,"channel":0,"num_words":50,"start":21.275,"end":36.54},{"sentences":[{"text":"Yep.","start":37.75,"end":38.25,"sentiment":"neutral","sentiment_score":0.04896152764558792}],"sentiment":"neutral","sentiment_score":0.04896152764558792,"channel":1,"num_words":1,"start":37.75,"end":38.25},{"sentences":[{"text":"Yeah.","start":38.6,"end":39.1,"sentiment":"neutral","sentiment_score":0.1242314875125885},{"text":"Beautiful.","start":39.239998,"end":39.72,"sentiment":"positive","sentiment_score":0.3890988826751709},{"text":"Thanks, Craig.","start":39.72,"end":40.54,"sentiment":"positive","sentiment_score":0.4203704744577408},{"text":"I have your marital status here as married.","start":41.48,"end":44.355,"sentiment":"neutral","sentiment_score":0.12439161445945501},{"text":"Is that still correct?","start":44.575,"end":46.175,"sentiment":"neutral","sentiment_score":0.09113078750669956}],"sentiment":"neutral","sentiment_score":0.16960796155035496,"channel":0,"num_words":16,"start":38.6,"end":46.175},{"sentences":[{"text":"You're","start":46.175,"end":46.415,"sentiment":"neutral","sentiment_score":0.009106617420911787}],"sentiment":"neutral","sentiment_score":0.009106617420911787,"channel":0,"num_words":1,"start":46.175,"end":46.415},{"sentences":[{"text":"Yep.","start":46.415,"end":46.915,"sentiment":"neutral","sentiment_score":0.018858209252357483}],"sentiment":"neutral","sentiment_score":0.018858209252357483,"channel":1,"num_words":1,"start":46.415,"end":46.915},{"sentences":[{"text":"married to Renee?","start":46.415,"end":47.395,"sentiment":"neutral","sentiment_score":0.024282034176091354},{"text":"Yes?","start":47.455,"end":47.955,"sentiment":"neutral","sentiment_score":0.033435072749853134}],"sentiment":"neutral","sentiment_score":0.0265702938195318,"channel":0,"num_words":4,"start":46.415,"end":47.955},{"sentences":[{"text":"Yep.","start":47.934998,"end":48.434998,"sentiment":"neutral","sentiment_score":0.06857681274414062}],"sentiment":"neutral","sentiment_score":0.06857681274414062,"channel":1,"num_words":1,"start":47.934998,"end":48.434998},{"sentences":[{"text":"Beautiful.","start":48.255,"end":48.755,"sentiment":"positive","sentiment_score":0.3655588328838349},{"text":"Fantastic.","start":49.614998,"end":50.114998,"sentiment":"positive","sentiment_score":0.4272243082523346},{"text":"And we have that you have two dependents.","start":50.975,"end":53.955,"sentiment":"neutral","sentiment_score":0.14311471953988075},{"text":"Is that still correct or if you had more?","start":54.815,"end":57.75,"sentiment":"neutral","sentiment_score":0.06624491098854277}],"sentiment":"neutral","sentiment_score":0.13336342612379476,"channel":0,"num_words":19,"start":48.255,"end":57.75},{"sentences":[{"text":"21.","start":57.670002,"end":58.49,"sentiment":"neutral","sentiment_score":0.00333516881801188}],"sentiment":"neutral","sentiment_score":0.00333516881801188,"channel":1,"num_words":1,"start":57.670002,"end":58.49},{"sentences":[{"text":"Only one?","start":59.03,"end":60.01,"sentiment":"neutral","sentiment_score":0.004167584702372551}],"sentiment":"neutral","sentiment_score":0.004167584702372551,"channel":0,"num_words":2,"start":59.03,"end":60.01},{"sentences":[{"text":"Yep.","start":60.79,"end":61.29,"sentiment":"neutral","sentiment_score":0.005140496883541346}],"sentiment":"neutral","sentiment_score":0.005140496883541346,"channel":1,"num_words":1,"start":60.79,"end":61.29},{"sentences":[{"text":"And how old are they?","start":61.83,"end":64.57,"sentiment":"neutral","sentiment_score":0.00037186620756983756}],"sentiment":"neutral","sentiment_score":0.00037186620756983756,"channel":0,"num_words":5,"start":61.83,"end":64.57},{"sentences":[{"text":"13.","start":66.47,"end":66.97,"sentiment":"neutral","sentiment_score":0.00696188397705555}],"sentiment":"neutral","sentiment_score":0.00696188397705555,"channel":1,"num_words":1,"start":66.47,"end":66.97},{"sentences":[{"text":"Yep.","start":68.07,"end":68.57,"sentiment":"neutral","sentiment_score":0.01365043129771948},{"text":"Okay.","start":70.39,"end":70.89,"sentiment":"neutral","sentiment_score":0.0615675151348114},{"text":"Beautiful.","start":71.27,"end":71.77,"sentiment":"neutral","sentiment_score":0.13114944100379944},{"text":"And we don't have a next of kin notice down here.","start":72.915,"end":76.854996,"sentiment":"neutral","sentiment_score":0.0009160676801746541},{"text":"Would that be Renee for 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You're a bit fine, Nicole.","start":82.055,"end":83.435,"sentiment":"neutral","sentiment_score":0.06679734090964}],"sentiment":"neutral","sentiment_score":0.06679734090964,"channel":1,"num_words":6,"start":82.055,"end":83.435},{"sentences":[{"text":"Sorry.","start":84.274994,"end":84.774994,"sentiment":"neutral","sentiment_score":-0.046732254326343536},{"text":"Sometimes I get that feedback.","start":85.395,"end":87.03001,"sentiment":"neutral","sentiment_score":-0.04788496270775795},{"text":"So I'm just gonna hold the speaker to my mouth a little bit closer.","start":87.03001,"end":90.310005,"sentiment":"neutral","sentiment_score":-0.025633055151307156},{"text":"Is that 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you for that.","start":111.674995,"end":112.735,"sentiment":"positive","sentiment_score":0.4090096950531006},{"text":"So moving on to your occupation and employment, are you still self employed as a truck driver?","start":113.28001,"end":119.78001,"sentiment":"neutral","sentiment_score":0.10795962941997192}],"sentiment":"neutral","sentiment_score":0.1810569384175798,"channel":0,"num_words":23,"start":110.155,"end":119.78001},{"sentences":[{"text":"Yes.","start":120.67,"end":121.17,"sentiment":"neutral","sentiment_score":0.04935289919376373}],"sentiment":"neutral","sentiment_score":0.04935289919376373,"channel":1,"num_words":1,"start":120.67,"end":121.17},{"sentences":[{"text":"Yes?","start":121.76,"end":122.26,"sentiment":"neutral","sentiment_score":0.08188571780920029},{"text":"Very good.","start":122.64,"end":123.62,"sentiment":"neutral","sentiment_score":0.23498547077178955},{"text":"Looks like you travel some significant kilometers per 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it still around the 900 kilometers per day?","start":135.015,"end":138.075,"sentiment":"neutral","sentiment_score":0.00767774579839574}],"sentiment":"neutral","sentiment_score":0.00767774579839574,"channel":0,"num_words":9,"start":135.015,"end":138.075},{"sentences":[{"text":"Sometimes more.","start":139.44499,"end":140.405,"sentiment":"neutral","sentiment_score":0.00169074023142457},{"text":"Yeah.","start":140.405,"end":140.905,"sentiment":"neutral","sentiment_score":0.032540857791900635}],"sentiment":"neutral","sentiment_score":0.011974112751583258,"channel":1,"num_words":3,"start":139.44499,"end":140.905},{"sentences":[{"text":"Yep.","start":141.33499,"end":141.83499,"sentiment":"neutral","sentiment_score":0.03759550303220749},{"text":"Okay.","start":141.89499,"end":142.215,"sentiment":"neutral","sentiment_score":0.099281407892704},{"text":"Beautiful.","start":142.215,"end":142.715,"sentiment":"neutral","sentiment_score":0.14411625266075134},{"text":"Oh, wow.","start":144.75,"end":145.23,"sentiment":"neutral","sentiment_score":0.042750656604766846},{"text":"Sorry.","start":145.23,"end":145.73,"sentiment":"neutral","sentiment_score":-0.028401773422956467}],"sentiment":"neutral","sentiment_score":0.056348783895373344,"channel":0,"num_words":6,"start":141.33499,"end":145.73},{"sentences":[{"text":"Do you roughly how many hours per week would you work?","start":148.34999,"end":151.81,"sentiment":"neutral","sentiment_score":-0.02190758033909581},{"text":"It's like that, isn't it?","start":155.47,"end":157.01,"sentiment":"neutral","sentiment_score":-0.01397314053028822}],"sentiment":"neutral","sentiment_score":-0.019428067898843437,"channel":0,"num_words":16,"start":148.34999,"end":157.01},{"sentences":[{"text":"I'll look probably sixty at 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profile.","start":865.34,"end":869.92004,"sentiment":"neutral","sentiment_score":-0.03070507999509573},{"text":"You're currently invested as a high growth investor, which typically means that we have 90% of your assets allocated to growth and 10% to defensive type assets.","start":870.80505,"end":883.145,"sentiment":"neutral","sentiment_score":0.006632105964753363},{"text":"What we would typically expect in that type of profile is a one in five one year in every one every five years, one year would be a negative, and you'd need a minimum time frame of eight years to invest in this portfolio to allow for the market fluctuation to ride out the the bad the bad days, essentially.","start":885.1,"end":905.825,"sentiment":"neutral","sentiment_score":-0.14974915099640687}],"sentiment":"neutral","sentiment_score":-0.09120021561028982,"channel":0,"num_words":99,"start":861.98004,"end":905.825},{"sentences":[{"text":"Yep.","start":906.97003,"end":907.47003,"sentiment":"neutral","sentiment_score":0.07085023820400238}],"sentiment":"neutral","sentiment_score":0.07085023820400238,"channel":1,"num_words":1,"start":906.97003,"end":907.47003},{"sentences":[{"text":"I know one of your goals was to take the risks with your super while you have the opportunity to.","start":907.965,"end":915.47003,"sentiment":"neutral","sentiment_score":0.108668764680624},{"text":"So I want to confirm with you whether you're happy to maintain that risk profile and that approach to risk or whether you wanted to look at completing the risk profile and see if you feel that you wanna decrease your your allocation to growth assets a little bit.","start":915.77,"end":932.65497,"sentiment":"neutral","sentiment_score":-0.025907871598491863}],"sentiment":"neutral","sentiment_score":0.013099849062121433,"channel":0,"num_words":69,"start":907.965,"end":932.65497},{"sentences":[{"text":"Well, I'm also just leave it where it is.","start":935.21,"end":937.71,"sentiment":"neutral","sentiment_score":0.11767750854293506}],"sentiment":"neutral","sentiment_score":0.11767750854293506,"channel":1,"num_words":9,"start":935.21,"end":937.71},{"sentences":[{"text":"Yeah?","start":938.31494,"end":938.7,"sentiment":"neutral","sentiment_score":0.1415063440799713},{"text":"And you're comfortable","start":938.94,"end":939.9,"sentiment":"neutral","sentiment_score":0.12777850776910782}],"sentiment":"neutral","sentiment_score":0.1312104668468237,"channel":0,"num_words":4,"start":938.31494,"end":939.9},{"sentences":[{"text":"Yep.","start":939.53,"end":940.03,"sentiment":"neutral","sentiment_score":0.23031656444072723}],"sentiment":"neutral","sentiment_score":0.23031656444072723,"channel":1,"num_words":1,"start":939.53,"end":940.03},{"sentences":[{"text":"with the the when I send you the pack, we can go through that in a little bit more just to make sure that you're comfortable with it and how it works.","start":939.9,"end":950.14,"sentiment":"neutral","sentiment_score":0.2732525006867945},{"text":"There's a little visual tool in there that we use that helps explain it a little bit.","start":950.14,"end":955.545,"sentiment":"neutral","sentiment_score":0.18275202547802644}],"sentiment":"neutral","sentiment_score":0.24185437663477294,"channel":0,"num_words":49,"start":939.9,"end":955.545},{"sentences":[{"text":"Yep.","start":956.45496,"end":956.95496,"sentiment":"neutral","sentiment_score":0.09725064039230348}],"sentiment":"neutral","sentiment_score":0.09725064039230348,"channel":1,"num_words":1,"start":956.45496,"end":956.95496},{"sentences":[{"text":"Yep.","start":957.44495,"end":957.925,"sentiment":"neutral","sentiment_score":0.10031944513320924},{"text":"So what I have done is I have just sent you an email.","start":957.925,"end":963.685,"sentiment":"neutral","sentiment_score":0.06814986238112816},{"text":"Do you have access to your emails at","start":963.685,"end":967.68,"sentiment":"neutral","sentiment_score":0.023737508337944746}],"sentiment":"neutral","sentiment_score":0.05346216921779243,"channel":0,"num_words":22,"start":957.44495,"end":967.68},{"sentences":[{"text":"I'm driving at the moment,","start":967.62,"end":968.74,"sentiment":"neutral","sentiment_score":0.03146120384335518}],"sentiment":"neutral","sentiment_score":0.03146120384335518,"channel":1,"num_words":5,"start":967.62,"end":968.74},{"sentences":[{"text":"all?","start":968.69995,"end":969.19995,"sentiment":"neutral","sentiment_score":0.011835532262921332}],"sentiment":"neutral","sentiment_score":0.011835532262921332,"channel":0,"num_words":1,"start":968.69995,"end":969.19995},{"sentences":[{"text":"but","start":968.74,"end":969.24,"sentiment":"neutral","sentiment_score":-0.019145287573337555}],"sentiment":"neutral","sentiment_score":-0.019145287573337555,"channel":1,"num_words":1,"start":968.74,"end":969.24},{"sentences":[{"text":"Oh, sorry.","start":969.25995,"end":970.13995,"sentiment":"neutral","sentiment_score":-0.050973620265722275},{"text":"I didn't realize you're driving.","start":970.13995,"end":971.6,"sentiment":"neutral","sentiment_score":-0.1589437246322632}],"sentiment":"neutral","sentiment_score":-0.12809512338468007,"channel":0,"num_words":7,"start":969.25995,"end":971.6},{"sentences":[{"text":"No.","start":972.02,"end":972.26,"sentiment":"neutral","sentiment_score":-0.1523568332195282}],"sentiment":"neutral","sentiment_score":-0.1523568332195282,"channel":1,"num_words":1,"start":972.02,"end":972.26},{"sentences":[{"text":"Okay.","start":972.13995,"end":972.54,"sentiment":"neutral","sentiment_score":-0.029780633747577667}],"sentiment":"neutral","sentiment_score":-0.029780633747577667,"channel":0,"num_words":1,"start":972.13995,"end":972.54},{"sentences":[{"text":"I got it.","start":972.26,"end":973.0,"sentiment":"neutral","sentiment_score":-0.002739747986197472}],"sentiment":"neutral","sentiment_score":-0.002739747986197472,"channel":1,"num_words":3,"start":972.26,"end":973.0},{"sentences":[{"text":"So I'm gonna talk through these documents.","start":972.54,"end":974.94,"sentiment":"neutral","sentiment_score":0.05061176472476551},{"text":"You can have a look at them once you have the chance to.","start":974.94,"end":979.245,"sentiment":"neutral","sentiment_score":0.0681832590355323},{"text":"And then if you've got any questions, once you've had a chance to look at them, you can send me an email or give me a callback, and we can talk through them.","start":981.625,"end":989.405,"sentiment":"neutral","sentiment_score":0.05695406663598436},{"text":"Basically,","start":989.78503,"end":990.28503,"sentiment":"neutral","sentiment_score":0.0535101518034935}],"sentiment":"neutral","sentiment_score":0.058771464283819554,"channel":0,"num_words":54,"start":972.54,"end":990.28503},{"sentences":[{"text":"Yep.","start":990.12,"end":990.62,"sentiment":"neutral","sentiment_score":0.07062973827123642}],"sentiment":"neutral","sentiment_score":0.07062973827123642,"channel":1,"num_words":1,"start":990.12,"end":990.62},{"sentences":[{"text":"the front page is just a very brief summary of your super and insurance, which is with Netwealth.","start":992.41003,"end":998.51,"sentiment":"neutral","sentiment_score":0.10505607020523813},{"text":"Current value is about $73,903, and you've got your life and TPD insurance with Zurich for $935,940, and that's funded from your Netwealth super balance, those premiums.","start":998.97003,"end":1016.805,"sentiment":"neutral","sentiment_score":0.08595697319617977}],"sentiment":"neutral","sentiment_score":0.09359661199980313,"channel":0,"num_words":45,"start":992.41003,"end":1016.805},{"sentences":[{"text":"Yep.","start":1018.86005,"end":1019.36005,"sentiment":"neutral","sentiment_score":-0.06920014321804047}],"sentiment":"neutral","sentiment_score":-0.06920014321804047,"channel":1,"num_words":1,"start":1018.86005,"end":1019.36005},{"sentences":[{"text":"The return on your portfolio in the last twelve months has been not great.","start":1021.08997,"end":1027.11,"sentiment":"negative","sentiment_score":-0.6010557498250689},{"text":"I know earlier this year, we in March, we moved you out of the Bennelong Australian equity fund due to underperformance.","start":1028.05,"end":1035.6951,"sentiment":"negative","sentiment_score":-0.4428464727742331},{"text":"So that the report still in the last twelve months includes those negative reports from Bennelong.","start":1038.0751,"end":1043.855,"sentiment":"negative","sentiment_score":-0.4748172499239445},{"text":"So the twelve month return was negative 1.12%.","start":1043.995,"end":1048.75,"sentiment":"negative","sentiment_score":-0.5153755396604538},{"text":"And what we've","start":1050.09,"end":1050.81,"sentiment":"neutral","sentiment_score":-0.17328602075576782}],"sentiment":"negative","sentiment_score":-0.483137012970063,"channel":0,"num_words":62,"start":1021.08997,"end":1050.81},{"sentences":[{"text":"Yep.","start":1050.8,"end":1051.3,"sentiment":"neutral","sentiment_score":-0.05095819756388664}],"sentiment":"neutral","sentiment_score":-0.05095819756388664,"channel":1,"num_words":1,"start":1050.8,"end":1051.3},{"sentences":[{"text":"gone and done is included a six month performance to report to show you how the the portfolio is recovering now that Bennelong is no longer within your portfolio.","start":1050.81,"end":1063.595,"sentiment":"neutral","sentiment_score":-0.06926972727323401},{"text":"So when you're able to have a look, you'll see from the twelve months to the six month report that the in the last six months, your portfolio has returned 5.38%.","start":1064.055,"end":1075.13,"sentiment":"neutral","sentiment_score":0.10368516776830919},{"text":"So in a twelve month period with a high growth portfolio, we'd expect an average return of eight to 10% grosser fees.","start":1075.27,"end":1084.09,"sentiment":"neutral","sentiment_score":0.17708048664710738},{"text":"So you're well on the way to achieving that return in a high high growth portfolio now that we've redigged your portfolio a little bit to remove that underperforming fund and replace it with a with","start":1085.67,"end":1098.755,"sentiment":"neutral","sentiment_score":0.1680497651298841}],"sentiment":"neutral","sentiment_score":0.09449983356615245,"channel":0,"num_words":118,"start":1050.81,"end":1098.755},{"sentences":[{"text":"Okay.","start":1098.635,"end":1099.035,"sentiment":"neutral","sentiment_score":0.08665989339351654}],"sentiment":"neutral","sentiment_score":0.08665989339351654,"channel":1,"num_words":1,"start":1098.635,"end":1099.035},{"sentences":[{"text":"the beta","start":1098.755,"end":1099.3151,"sentiment":"neutral","sentiment_score":0.07322859764099121}],"sentiment":"neutral","sentiment_score":0.07322859764099121,"channel":0,"num_words":2,"start":1098.755,"end":1099.3151},{"sentences":[{"text":"Yep.","start":1099.035,"end":1099.535,"sentiment":"neutral","sentiment_score":0.05306781455874443}],"sentiment":"neutral","sentiment_score":0.05306781455874443,"channel":1,"num_words":1,"start":1099.035,"end":1099.535},{"sentences":[{"text":"shares Australian ETF.","start":1099.3151,"end":1101.255,"sentiment":"neutral","sentiment_score":0.052589346965154014},{"text":"Within that pack is also a Vanguard index chart.","start":1103.78,"end":1106.82,"sentiment":"neutral","sentiment_score":0.11106839527686437},{"text":"It's a bright red document, bright red header.","start":1106.82,"end":1110.44,"sentiment":"neutral","sentiment_score":0.1714422795921564},{"text":"The top four on the right hand column, your shares being international Australian and US and property, they're your growth assets.","start":1111.14,"end":1119.865,"sentiment":"neutral","sentiment_score":0.12734910313572204},{"text":"So they're the ones where we're heavily invested in, the 90%, typically.","start":1119.925,"end":1123.945,"sentiment":"neutral","sentiment_score":0.14028839394450188}],"sentiment":"neutral","sentiment_score":0.12993799487374863,"channel":0,"num_words":53,"start":1099.3151,"end":1123.945},{"sentences":[{"text":"And then","start":1124.965,"end":1125.605,"sentiment":"neutral","sentiment_score":0.05562517046928406}],"sentiment":"neutral","sentiment_score":0.05562517046928406,"channel":0,"num_words":2,"start":1124.965,"end":1125.605},{"sentences":[{"text":"Yep.","start":1125.235,"end":1125.735,"sentiment":"neutral","sentiment_score":0.011373572051525116}],"sentiment":"neutral","sentiment_score":0.011373572051525116,"channel":1,"num_words":1,"start":1125.235,"end":1125.735},{"sentences":[{"text":"below below that is your bonds and cash, which is your defensive asset sitting around 10%.","start":1125.605,"end":1130.55,"sentiment":"neutral","sentiment_score":0.05118582269642502},{"text":"What the graph does is it shows you the volatility of those growth assets and over time how the market reacts.","start":1131.67,"end":1142.39,"sentiment":"neutral","sentiment_score":0.057077087461948395},{"text":"So long term, we you know, growth is always expected, but you've gotta be in it for a period of time to be able to withstand those losses and fluctuations.","start":1142.39,"end":1153.655,"sentiment":"neutral","sentiment_score":0.07849091067910194},{"text":"So that's why we say a minimum of eight years for a high growth portfolio.","start":1153.795,"end":1157.8151,"sentiment":"neutral","sentiment_score":0.18554551502068836},{"text":"And it's a great tool to look at just visually to say, okay.","start":1158.5951,"end":1162.26,"sentiment":"positive","sentiment_score":0.5990986434312967}],"sentiment":"neutral","sentiment_score":0.15730299379088378,"channel":0,"num_words":95,"start":1125.605,"end":1162.26},{"sentences":[{"text":"I understand about 90% of my funds are gonna go up and down significantly with those top four, and I can withstand that for at least eight years.","start":1162.26,"end":1173.24,"sentiment":"neutral","sentiment_score":0.2337328176945448},{"text":"I note that you're about thirteen years from accessing super, so you can access it from the age of 60.","start":1173.38,"end":1179.715,"sentiment":"neutral","sentiment_score":0.03141664592549205},{"text":"But if your retirement is 67, you're looking about twenty years.","start":1180.095,"end":1184.335,"sentiment":"neutral","sentiment_score":-0.008792969990860332},{"text":"So you do have time on your side to, withstand and hold when there is fluctuations in that risk profile, and we would always review it every year with you anyway to see if there's a need to decrease the exposure to that growth assets.","start":1184.335,"end":1203.2301,"sentiment":"neutral","sentiment_score":-0.02277667232685619}],"sentiment":"neutral","sentiment_score":0.05818441239758753,"channel":0,"num_words":104,"start":1162.26,"end":1203.2301},{"sentences":[{"text":"Yep.","start":1204.7,"end":1205.2,"sentiment":"neutral","sentiment_score":0.039541274309158325}],"sentiment":"neutral","sentiment_score":0.039541274309158325,"channel":1,"num_words":1,"start":1204.7,"end":1205.2},{"sentences":[{"text":"Any any questions with that?","start":1205.415,"end":1207.1951,"sentiment":"neutral","sentiment_score":0.009644105285406112}],"sentiment":"neutral","sentiment_score":0.009644105285406112,"channel":0,"num_words":5,"start":1205.415,"end":1207.1951},{"sentences":[{"text":"No.","start":1209.115,"end":1209.615,"sentiment":"neutral","sentiment_score":-0.1066264808177948}],"sentiment":"neutral","sentiment_score":-0.1066264808177948,"channel":1,"num_words":1,"start":1209.115,"end":1209.615},{"sentences":[{"text":"No?","start":1210.135,"end":1210.615,"sentiment":"neutral","sentiment_score":-0.06685221940279007},{"text":"All good.","start":1210.615,"end":1211.0951,"sentiment":"neutral","sentiment_score":0.17952799797058105},{"text":"Perfect.","start":1211.0951,"end":1211.5951,"sentiment":"positive","sentiment_score":0.34252336621284485},{"text":"The in within that pack as well is the financial services well, our financial services guide.","start":1213.8151,"end":1219.495,"sentiment":"neutral","sentiment_score":0.09549836232326925},{"text":"It just explains who we are, who our licensee is that we are licensed by.","start":1219.495,"end":1226.51,"sentiment":"neutral","sentiment_score":0.0670691634217898}],"sentiment":"neutral","sentiment_score":0.09053538260715348,"channel":0,"num_words":35,"start":1210.135,"end":1226.51},{"sentences":[{"text":"It explains the advice services we provide, how we provide them, the standard fee structure, and if you're unhappy with any of the services we provide, the complaints process.","start":1227.21,"end":1238.9751,"sentiment":"neutral","sentiment_score":0.00508196414287748},{"text":"So that document is within the pack, and you'll also find it on our website.","start":1239.515,"end":1243.535,"sentiment":"neutral","sentiment_score":0.06310401856899261},{"text":"The and now the next the following three documents in the pack, so the last three, actually require your signature when you've had a chance to review them, and you can do it electronically through the email that we've sent to you.","start":1246.0499,"end":1260.3899,"sentiment":"neutral","sentiment_score":0.05633939873604547}],"sentiment":"neutral","sentiment_score":0.040234790530142395,"channel":0,"num_words":86,"start":1227.21,"end":1260.3899},{"sentences":[{"text":"Okay.","start":1261.055,"end":1261.295,"sentiment":"neutral","sentiment_score":0.07976232469081879},{"text":"Yep.","start":1261.295,"end":1261.795,"sentiment":"neutral","sentiment_score":0.09481841325759888}],"sentiment":"neutral","sentiment_score":0.08729036897420883,"channel":1,"num_words":2,"start":1261.055,"end":1261.795},{"sentences":[{"text":"The first one that requires your consent, which is signing, is the ongoing fee consent.","start":1262.695,"end":1267.995,"sentiment":"neutral","sentiment_score":0.05586855138341586},{"text":"So this is the advice fee that you pay us, and it's funded from your super fund.","start":1268.535,"end":1274.155,"sentiment":"neutral","sentiment_score":0.07282763456597048},{"text":"It's a $6 fee, and it's a $106.70 per month.","start":1274.535,"end":1279.49,"sentiment":"neutral","sentiment_score":0.016535275522619484},{"text":"So annually, that equates to $1,280.40.","start":1279.63,"end":1286.45,"sentiment":"neutral","sentiment_score":0.033139314192036785},{"text":"And that covers you for your annual review and also any other ad hoc advice or conversation that you need to have with us.","start":1287.39,"end":1296.715,"sentiment":"neutral","sentiment_score":0.2395688301573197}],"sentiment":"neutral","sentiment_score":0.11374914753509478,"channel":0,"num_words":72,"start":1262.695,"end":1296.715},{"sentences":[{"text":"So there's no limit on the the times that we can speak with you.","start":1296.715,"end":1302.1749,"sentiment":"neutral","sentiment_score":0.28210547672850744},{"text":"We're not gonna limit that.","start":1302.99,"end":1304.27,"sentiment":"neutral","sentiment_score":0.29524636566638945},{"text":"So we're your adviser, and we're here to help in any capacity in which we can.","start":1304.27,"end":1308.85,"sentiment":"positive","sentiment_score":0.48321899957954884}],"sentiment":"positive","sentiment_score":0.37592035702296667,"channel":0,"num_words":35,"start":1296.715,"end":1308.85},{"sentences":[{"text":"Hey, Amy.","start":1310.6,"end":1311.34,"sentiment":"neutral","sentiment_score":0.21024218201637268}],"sentiment":"neutral","sentiment_score":0.21024218201637268,"channel":1,"num_words":2,"start":1310.6,"end":1311.34},{"sentences":[{"text":"Yep.","start":1312.27,"end":1312.59,"sentiment":"neutral","sentiment_score":0.2165653556585312},{"text":"So we'd need you to sign that if you wish to continue being a client and having us as your adviser, the next document that we ask that you sign is the tax file number.","start":1312.59,"end":1325.125,"sentiment":"neutral","sentiment_score":0.12947781022105898},{"text":"So what that allows us to do is you're approving basically that you're happy for us to retain your tax file number on record.","start":1325.125,"end":1332.425,"sentiment":"positive","sentiment_score":0.40213193620244664},{"text":"The reason why we have it is because of your superannuation fund.","start":1332.885,"end":1337.02,"sentiment":"neutral","sentiment_score":0.31043699011206627},{"text":"So when we set it up, we provided it to Netwealth to ensure that, you know, you're not taxed ex exorbitantly because you didn't provide your tax file number.","start":1337.02,"end":1349.6649,"sentiment":"neutral","sentiment_score":0.23714330509818835}],"sentiment":"neutral","sentiment_score":0.24754311793511458,"channel":0,"num_words":101,"start":1312.27,"end":1349.6649},{"sentences":[{"text":"So this just gives us the authority to hold that from a privacy perspective.","start":1349.6649,"end":1355.2849,"sentiment":"neutral","sentiment_score":0.16727801678436144}],"sentiment":"neutral","sentiment_score":0.16727801678436144,"channel":0,"num_words":14,"start":1349.6649,"end":1355.2849},{"sentences":[{"text":"Okay.","start":1356.72,"end":1357.12,"sentiment":"neutral","sentiment_score":0.3228335380554199},{"text":"Good.","start":1357.12,"end":1357.62,"sentiment":"positive","sentiment_score":0.4533989429473877}],"sentiment":"positive","sentiment_score":0.3881162405014038,"channel":1,"num_words":2,"start":1356.72,"end":1357.62},{"sentences":[{"text":"And then the last document is an authorization to search for lost super.","start":1358.225,"end":1362.91,"sentiment":"neutral","sentiment_score":0.21642558849774873},{"text":"So one of the services we provide is that we, on your behalf, can look for any lost super, and we do this for all of our clients that could potentially be with the ATO or in a holding fund somewhere.","start":1362.91,"end":1380.765,"sentiment":"neutral","sentiment_score":0.25954994032295736},{"text":"So if you would like us to do that on your behalf, you could sign that form, and we can do that.","start":1381.305,"end":1387.7051,"sentiment":"neutral","sentiment_score":0.2506724575703794},{"text":"And if we do find any lost super that's connected to you, we'd reach out to you and go through the process in getting that consolidated and advice provided.","start":1387.7051,"end":1396.74,"sentiment":"neutral","sentiment_score":0.3053235159865741}],"sentiment":"neutral","sentiment_score":0.264992916513057,"channel":0,"num_words":105,"start":1358.225,"end":1396.74},{"sentences":[{"text":"Cool.","start":1398.43,"end":1398.93,"sentiment":"neutral","sentiment_score":0.29583656787872314}],"sentiment":"neutral","sentiment_score":0.29583656787872314,"channel":1,"num_words":1,"start":1398.43,"end":1398.93},{"sentences":[{"text":"Yeah.","start":1399.68,"end":1400.18,"sentiment":"neutral","sentiment_score":0.1046585813164711},{"text":"So any questions?","start":1400.4,"end":1401.78,"sentiment":"neutral","sentiment_score":0.052151194463173546}],"sentiment":"neutral","sentiment_score":0.06527804117649794,"channel":0,"num_words":4,"start":1399.68,"end":1401.78},{"sentences":[{"text":"No.","start":1403.3049,"end":1403.465,"sentiment":"neutral","sentiment_score":-0.09020868688821793},{"text":"Let me 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binding is it will lapse every three years, and you need to review it.","start":1629.52,"end":1633.985,"sentiment":"neutral","sentiment_score":-0.024456294998526574},{"text":"So what would be your preference?","start":1634.205,"end":1636.3049,"sentiment":"neutral","sentiment_score":0.01016253853837649}],"sentiment":"neutral","sentiment_score":-0.014565199702268555,"channel":0,"num_words":21,"start":1629.52,"end":1636.3049},{"sentences":[{"text":"Okay.","start":1641.26,"end":1641.5801,"sentiment":"neutral","sentiment_score":0.007724958006292582},{"text":"The nonbinding one.","start":1641.5801,"end":1644.16,"sentiment":"neutral","sentiment_score":0.014871836019059023}],"sentiment":"neutral","sentiment_score":0.013085116515867412,"channel":1,"num_words":4,"start":1641.26,"end":1644.16},{"sentences":[{"text":"Yes.","start":1644.0449,"end":1644.525,"sentiment":"neutral","sentiment_score":0.02198607847094536},{"text":"The 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part with partners, that's the most common because you can check it can be updated and changed by just lodging a new beneficiary form, and it just avoids having to do it every three form, and it","start":1649.88,"end":1659.9316,"sentiment":"neutral","sentiment_score":0.12513762055651137}],"sentiment":"neutral","sentiment_score":0.13599768254373754,"channel":0,"num_words":42,"start":1647.7201,"end":1659.9316},{"sentences":[{"text":"Yep.","start":1659.895,"end":1660.215,"sentiment":"neutral","sentiment_score":0.05768273398280144}],"sentiment":"neutral","sentiment_score":0.05768273398280144,"channel":1,"num_words":1,"start":1659.895,"end":1660.215},{"sentences":[{"text":"just 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years.","start":1661.145,"end":1662.925,"sentiment":"neutral","sentiment_score":0.0075013117332543644}],"sentiment":"neutral","sentiment_score":0.0075013117332543644,"channel":0,"num_words":7,"start":1661.145,"end":1662.925},{"sentences":[{"text":"Yep.","start":1663.415,"end":1663.915,"sentiment":"neutral","sentiment_score":0.12187828868627548}],"sentiment":"neutral","sentiment_score":0.12187828868627548,"channel":1,"num_words":1,"start":1663.415,"end":1663.915},{"sentences":[{"text":"Beautiful.","start":1664.745,"end":1665.245,"sentiment":"positive","sentiment_score":0.4472227692604065},{"text":"Alright.","start":1665.385,"end":1665.785,"sentiment":"neutral","sentiment_score":0.17874348163604736},{"text":"Well,","start":1665.785,"end":1666.285,"sentiment":"neutral","sentiment_score":0.035137075930833817}],"sentiment":"neutral","sentiment_score":0.2203677756090959,"channel":0,"num_words":3,"start":1664.745,"end":1666.285},{"sentences":[{"text":"I'm I'm the last divorce","start":1665.8,"end":1666.8401,"sentiment":"neutral","sentiment_score":-0.045847625285387036}],"sentiment":"neutral","sentiment_score":-0.045847625285387036,"channel":1,"num_words":5,"start":1665.8,"end":1666.8401},{"sentences":[{"text":"I","start":1666.585,"end":1666.8251,"sentiment":"neutral","sentiment_score":-0.07425722479820251}],"sentiment":"neutral","sentiment_score":-0.07425722479820251,"channel":0,"num_words":1,"start":1666.585,"end":1666.8251},{"sentences":[{"text":"right now, apparently.","start":1666.8401,"end":1667.7201,"sentiment":"neutral","sentiment_score":-0.04001809532443682},{"text":"So yeah.","start":1667.7201,"end":1668.4601,"sentiment":"neutral","sentiment_score":-0.030809028074145317}],"sentiment":"neutral","sentiment_score":-0.03633446842432022,"channel":1,"num_words":5,"start":1666.8401,"end":1668.4601},{"sentences":[{"text":"yeah.","start":1668.905,"end":1669.405,"sentiment":"neutral","sentiment_score":-0.040254317224025726},{"text":"I I I don't think mine will divorce me either, hopefully.","start":1670.025,"end":1674.4099,"sentiment":"neutral","sentiment_score":-0.12498316236517647},{"text":"Fingers crossed.","start":1674.47,"end":1675.37,"sentiment":"neutral","sentiment_score":-0.04688824713230133}],"sentiment":"neutral","sentiment_score":-0.10777468553611211,"channel":0,"num_words":14,"start":1668.905,"end":1675.37},{"sentences":[{"text":"Oh,","start":1676.4401,"end":1676.68,"sentiment":"neutral","sentiment_score":0.08352687954902649}],"sentiment":"neutral","sentiment_score":0.08352687954902649,"channel":1,"num_words":1,"start":1676.4401,"end":1676.68},{"sentences":[{"text":"Alright.","start":1676.63,"end":1677.0299,"sentiment":"neutral","sentiment_score":0.1021026223897934}],"sentiment":"neutral","sentiment_score":0.1021026223897934,"channel":0,"num_words":1,"start":1676.63,"end":1677.0299},{"sentences":[{"text":"one one","start":1676.68,"end":1677.16,"sentiment":"neutral","sentiment_score":0.13830222189426422}],"sentiment":"neutral","sentiment_score":0.13830222189426422,"channel":1,"num_words":2,"start":1676.68,"end":1677.16},{"sentences":[{"text":"Beautiful.","start":1677.0299,"end":1677.5299,"sentiment":"positive","sentiment_score":0.41209614276885986}],"sentiment":"positive","sentiment_score":0.41209614276885986,"channel":0,"num_words":1,"start":1677.0299,"end":1677.5299},{"sentences":[{"text":"might allow me to.","start":1677.16,"end":1678.215,"sentiment":"neutral","sentiment_score":0.1532985307276249}],"sentiment":"neutral","sentiment_score":0.1532985307276249,"channel":1,"num_words":4,"start":1677.16,"end":1678.215},{"sentences":[{"text":"Yeah.","start":1679.9099,"end":1680.1499,"sentiment":"neutral","sentiment_score":-0.07215657830238342},{"text":"I don't think mine would let me either.","start":1680.1499,"end":1681.59,"sentiment":"neutral","sentiment_score":-0.2988533042371273},{"text":"I think he'd be in a little bit of trouble if if I if I did.","start":1681.59,"end":1685.5299,"sentiment":"negative","sentiment_score":-0.3490156140178442},{"text":"Not that I would, but you know?","start":1685.6699,"end":1687.2899,"sentiment":"neutral","sentiment_score":-0.11356139715228762}],"sentiment":"neutral","sentiment_score":-0.2763175817672163,"channel":0,"num_words":32,"start":1679.9099,"end":1687.2899},{"sentences":[{"text":"Mhmm.","start":1688.375,"end":1688.875,"sentiment":"neutral","sentiment_score":-0.00967363454401493}],"sentiment":"neutral","sentiment_score":-0.00967363454401493,"channel":1,"num_words":1,"start":1688.375,"end":1688.875},{"sentences":[{"text":"And with your review frequency, are you happy to keep it annually, or would you like it a little bit more often?","start":1689.885,"end":1695.745,"sentiment":"neutral","sentiment_score":0.02344898930327459}],"sentiment":"neutral","sentiment_score":0.02344898930327459,"channel":0,"num_words":22,"start":1689.885,"end":1695.745},{"sentences":[{"text":"I'm not in the retirement yet.","start":1697.4299,"end":1699.13,"sentiment":"neutral","sentiment_score":-0.10528571034471194}],"sentiment":"neutral","sentiment_score":-0.10528571034471194,"channel":1,"num_words":6,"start":1697.4299,"end":1699.13},{"sentences":[{"text":"Annual is fine?","start":1699.565,"end":1700.605,"sentiment":"neutral","sentiment_score":0.022341246406237285},{"text":"Okay.","start":1700.605,"end":1701.005,"sentiment":"neutral","sentiment_score":0.1675732284784317},{"text":"Beautiful.","start":1701.005,"end":1701.505,"sentiment":"positive","sentiment_score":0.4367682933807373},{"text":"Alright.","start":1701.89,"end":1702.13,"sentiment":"neutral","sentiment_score":0.181391641497612},{"text":"Well, I'm going to send you through those emails with a couple of with the beneficiary and the brochure for estate planning.","start":1702.13,"end":1708.7101,"sentiment":"neutral","sentiment_score":0.1910087059844624}],"sentiment":"neutral","sentiment_score":0.18053387265120233,"channel":0,"num_words":28,"start":1699.565,"end":1708.7101},{"sentences":[{"text":"Yep.","start":1709.605,"end":1710.105,"sentiment":"neutral","sentiment_score":-0.03407161682844162}],"sentiment":"neutral","sentiment_score":-0.03407161682844162,"channel":1,"num_words":1,"start":1709.605,"end":1710.105},{"sentences":[{"text":"In the meantime, if you have any questions at all or you need anything from us, just give us a call, and, we're here to help.","start":1709.65,"end":1721.105,"sentiment":"neutral","sentiment_score":0.16481558376779923}],"sentiment":"neutral","sentiment_score":0.16481558376779923,"channel":0,"num_words":26,"start":1709.65,"end":1721.105},{"sentences":[{"text":"No","start":1721.7201,"end":1722.2201,"sentiment":"neutral","sentiment_score":0.10527922213077544}],"sentiment":"neutral","sentiment_score":0.10527922213077544,"channel":1,"num_words":1,"start":1721.7201,"end":1722.2201},{"sentences":[{"text":"Beautiful.","start":1723.245,"end":1723.725,"sentiment":"positive","sentiment_score":0.4085583686828614},{"text":"Well, thank you so much for your time, Craig.","start":1723.725,"end":1725.565,"sentiment":"positive","sentiment_score":0.7379838161998324},{"text":"I really appreciate 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soon.","start":1729.085,"end":1731.665,"sentiment":"positive","sentiment_score":0.5310308456420898}],"sentiment":"positive","sentiment_score":0.5310308456420898,"channel":0,"num_words":10,"start":1729.085,"end":1731.665},{"sentences":[{"text":"Yes.","start":1732.645,"end":1732.885,"sentiment":"neutral","sentiment_score":0.219134658575058},{"text":"To hear you.","start":1732.885,"end":1733.7051,"sentiment":"neutral","sentiment_score":0.250343124071757}],"sentiment":"neutral","sentiment_score":0.24254100769758224,"channel":1,"num_words":4,"start":1732.645,"end":1733.7051},{"sentences":[{"text":"Okay.","start":1734.247,"end":1734.747,"sentiment":"neutral","sentiment_score":0.2780570089817047},{"text":"Thank you.","start":1734.8868,"end":1735.6268,"sentiment":"positive","sentiment_score":0.5746622979640961}],"sentiment":"positive","sentiment_score":0.47579386830329895,"channel":0,"num_words":3,"start":1734.247,"end":1735.6268},{"sentences":[{"text":"Yeah.","start":1735.285,"end":1735.785,"sentiment":"neutral","sentiment_score":0.2827904224395752},{"text":"Right.","start":1736.165,"end":1736.665,"sentiment":"neutral","sentiment_score":0.32465362548828125}],"sentiment":"neutral","sentiment_score":0.3037220239639282,"channel":1,"num_words":2,"start":1735.285,"end":1736.665},{"sentences":[{"text":"Bye.","start":1736.5669,"end":1737.0669,"sentiment":"neutral","sentiment_score":-0.11688461899757384}],"sentiment":"neutral","sentiment_score":-0.11688461899757384,"channel":0,"num_words":1,"start":1736.5669,"end":1737.0669}]},"summary":{"result":"success","short":"A financial representative calls Craig to complete their annual review and personal financial information, including their retirement plans and goals for buying a property. The representative asks about Craig's health issues and injuries, retirement goals, health issues, and health issues related to retirement. The conversation is brief and focused on retirement goals, with the focus on reducing risk and investing in growth and defensive assets. The agent provides information on risk profiles and recommends liquidating the company to avoid market fluctuations, and advises the customer on the process of signing a will and updating their financial file number. The agent also provides information on privacy and security of their file and offers assistance with estate planning and wills."},"intents":{"segments":[{"text":"Thank you for attending my call. Just ringing today to complete your annual review. Do you have time for that now? Yeah.","start_word":21,"end_word":42,"intents":[{"intent":"Complete annual review","confidence_score":0.71842057}]},{"text":"So part of our annual review process is that I'm gonna send you an annual review pack shortly. Before I do so, I just wanna run through your personal financial information that we have on file to make sure it's up to date and correct. Is that okay with you? Yep.","start_word":45,"end_word":95,"intents":[{"intent":"Verify financial information","confidence_score":0.16812214}]},{"text":"And how old are they? 13. Yep.","start_word":142,"end_word":148,"intents":[{"intent":"Verify spouse's age","confidence_score":0.0003626785}]},{"text":"With Renee, can I just get her contact number, please, to record as your next Yep. 042 again? 6 Yeah.","start_word":208,"end_word":227,"intents":[{"intent":"Record contact number","confidence_score":0.19668785}]},{"text":"So moving on to your occupation and employment, are you still self employed as a truck driver? Yes. Yes?","start_word":237,"end_word":255,"intents":[{"intent":"Confirm current occupation and employment status","confidence_score":0.00019118347}]},{"text":"Looks like you travel some significant kilometers per day. Is it still nine Sometimes.","start_word":258,"end_word":271,"intents":[{"intent":"Check mileage","confidence_score":0.009868895}]},{"text":"And we had your income down as 82,000. Would that be correct still? Yeah.","start_word":323,"end_word":336,"intents":[{"intent":"Check income","confidence_score":0.07203914},{"intent":"Confirm financial status","confidence_score":0.053015627}]},{"text":"And we had previously recorded your expenditure being about a thousand dollars a week. Is that still accurate?","start_word":422,"end_word":439,"intents":[{"intent":"Record expenditure","confidence_score":0.3458645}]},{"text":"And are you managing to have any savings each week? Nice. Good No. night.","start_word":446,"end_word":459,"intents":[{"intent":"Assess savings","confidence_score":0.011735269}]},{"text":"We had a credit card debt of 11,000. Is that still What?","start_word":581,"end_word":592,"intents":[{"intent":"Check credit card debt","confidence_score":0.08330457}]},{"text":"We can talk about that in a little bit if you like. I'm just going to jump over now to what we had on record previously with your goals and objectives. One of them was Yep. for the medium term was to purchase a property. Is that still a goal that you're working towards? Still working towards it.","start_word":822,"end_word":879,"intents":[{"intent":"Discuss goals and objectives","confidence_score":0.15469432}]},{"text":"for the medium term was to purchase a property. Is that still a goal that you're working towards?","start_word":858,"end_word":875,"intents":[{"intent":"Check interest in purchasing a property","confidence_score":0.00011843583}]},{"text":"So Although, if I somehow get retirement age, they probably would have raised it up to about 70 or 75 by some way. yeah.","start_word":1236,"end_word":1259,"intents":[{"intent":"Apply for retirement age","confidence_score":0.0011477702}]},{"text":"With an ideal income of 1,000 a week. Do you still think that's right? Yeah.","start_word":1343,"end_word":1357,"intents":[{"intent":"Review income","confidence_score":0.025875311},{"intent":"Analyze income","confidence_score":0.0007740902}]},{"text":"And then your other goal was that you currently do not have any TPD or income protection, and you really should get it covered given your occupation. But I do note that you do have PPD cover now. So I think that that in in itself is that goal's been achieved, but I do note that you don't have any income protection. Yep.","start_word":1421,"end_word":1483,"intents":[{"intent":"Review tpd coverage","confidence_score":0.046673294}]},{"text":"So one of the recommendations from my account was to liquidate the company, which I'm like, well, I've just spent the last twelve months passing my backside to get on top of stuff, and I'm slowly getting there. So I'm like, yeah. But Yeah. I don't really wanna be liquidating, not when I'm close to owning majority of my equipment. So therefore, Yep.","start_word":1542,"end_word":1604,"intents":[{"intent":"Discuss liquidation recommendation","confidence_score":0.014658962}]},{"text":"yeah, we have a lot of extra cash flow there. So yeah.","start_word":1605,"end_word":1616,"intents":[{"intent":"Discuss cash flow","confidence_score":0.14739065}]},{"text":"Well, hopefully, the hopefully, it's all all your hard work's gonna pay off. I'm sure it will, you know, when we set well, our hopefully. minds to things. I looked at there. From what I was told, they basically sort of said to to liquidate due to the fact that if I don't pay the ATO debt within twenty one days, it gets passed on to me being director.","start_word":1623,"end_word":1691,"intents":[{"intent":"Express gratitude","confidence_score":0.012536246}]},{"text":"And once I get it, it's gonna be paid. Whereas if I look at that company, the debt goes away, which I still Yeah. don't understand how that works because I thought that was the whole idea of having a director go on tour. They the company goes Yeah. for the debt still gets passed on to the directors. Yeah.","start_word":1693,"end_word":1752,"intents":[{"intent":"Understand debt structure","confidence_score":0.0009681019}]},{"text":"So the next section of this is a risk profile. You're currently invested as a high growth investor, which typically means that we have 90% of your assets allocated to growth and 10% to defensive type assets.","start_word":1811,"end_word":1847,"intents":[{"intent":"Understand risk profile","confidence_score":0.0773931}]},{"text":"I know one of your goals was to take the risks with your super while you have the opportunity to. So I want to confirm with you whether you're happy to maintain that risk profile and that approach to risk or whether you wanted to look at completing the risk profile and see if you feel that you wanna decrease your your allocation to growth assets a little bit.","start_word":1909,"end_word":1977,"intents":[{"intent":"Confirm investment policy","confidence_score":0.00014206818}]},{"text":"So I'm gonna talk through these documents. You can have a look at them once you have the chance to. And then if you've got any questions, once you've had a chance to look at them, you can send me an email or give me a callback, and we can talk through them. Basically, Yep.","start_word":2083,"end_word":2137,"intents":[{"intent":"Review documents","confidence_score":0.01416565}]},{"text":"I understand about 90% of my funds are gonna go up and down significantly with those top four, and I can withstand that for at least eight years.","start_word":2520,"end_word":2547,"intents":[{"intent":"Inquire about future financial goals","confidence_score":0.000013785155}]},{"text":"So we'd need you to sign that if you wish to continue being a client and having us as your adviser, the next document that we ask that you sign is the tax file number. So what that allows us to do is you're approving basically that you're happy for us to retain your tax file number on record.","start_word":2864,"end_word":2922,"intents":[{"intent":"Retain tax file number","confidence_score":0.02153749}]},{"text":"And if we do find any lost super that's connected to you, we'd reach out to you and go through the process in getting that consolidated and advice provided. Cool.","start_word":3056,"end_word":3085,"intents":[{"intent":"Consolidate super","confidence_score":0.069579266}]},{"text":"So any questions? No. Let me check.","start_word":3087,"end_word":3093,"intents":[{"intent":"Ask questions","confidence_score":0.068773344}]},{"text":"So I think from from my perspective, the one thing I probably would strongly recommend is looking at your wills and enduring power of attorney. Yep.","start_word":3144,"end_word":3169,"intents":[{"intent":"Recommend wills","confidence_score":0.042420685}]},{"text":"And if you would like me to, I can send you through some information on that of of just what they are, what I'm sure you know what they are, but the the Yep. benefit of them. But, also, we do have a professional partner that does work on these with our clients at a re quite a reasonable rate. But it's just an information brochure if you want me to send that through to you. No worries.","start_word":3171,"end_word":3248,"intents":[{"intent":"Send brochure","confidence_score":0.8325694},{"intent":"Send brochure","confidence_score":0.18138057}]},{"text":"Would you like us to prefill the form for you so you can just sign Yeah. it? If you want.","start_word":3494,"end_word":3513,"intents":[{"intent":"Receive signed form","confidence_score":0.00044239173}]},{"text":"And with the beneficiary nomination, there's two types that you can have. There's a binding and a non lapsing binding. So a non lapsing binding means that it won't lapse, and the trustees are bound by it, your Okay. decision.","start_word":3567,"end_word":3606,"intents":[{"intent":"Provide beneficiary information","confidence_score":0.023691539},{"intent":"Discuss options","confidence_score":0.007309052}]},{"text":"There's a binding and a non lapsing binding. So a non lapsing binding means that it won't lapse, and the trustees are bound by it, your Okay. decision.","start_word":3579,"end_word":3606,"intents":[{"intent":"Confirm choice of nonbinding binding type","confidence_score":0.00026540412},{"intent":"Confirm preference for non-lapsing binding","confidence_score":0.00040815346}]},{"text":"There's a binding and a non lapsing binding. So a non lapsing binding means that it won't lapse, and the trustees are bound by it, your Okay. decision. Whereas Yep. a binding is it will lapse every three years, and you need to review it. So what would be your preference? Okay.","start_word":3579,"end_word":3630,"intents":[{"intent":"Discuss preference for nonlapsing binding","confidence_score":0.000045647354}]},{"text":"There's a binding and a non lapsing binding. So a non lapsing binding means that it won't lapse, and the trustees are bound by it, your Okay. decision. Whereas Yep. a binding is it will lapse every three years, and you need to review it. So what would be your preference? Okay. The nonbinding one. Yes.","start_word":3579,"end_word":3634,"intents":[{"intent":"Identify preferred nonbinding binding type","confidence_score":0.00016590708}]},{"text":"The nonbinding one. Yes.","start_word":3631,"end_word":3634,"intents":[{"intent":"Discuss preference for nonbinding binding","confidence_score":0.00083798426},{"intent":"Confirm preference for nonbinding binding","confidence_score":0.17140575},{"intent":"Discuss preference for nonbinding binding","confidence_score":0.04027849},{"intent":"Confirm preference for nonbinding binding","confidence_score":0.08588764},{"intent":"Confirm preferred nonbinding binding type","confidence_score":0.0057973955}]},{"text":"I don't think mine would let me either. I think he'd be in a little bit of trouble if if I if I did. Not that I would, but you know? Mhmm.","start_word":3732,"end_word":3763,"intents":[{"intent":"Confirm understanding","confidence_score":0.10439543}]}]},"sentiments":{"segments":[{"text":"Hi, Craig. It's Jenny here. How are you today? I'm not sure. How are you? I'm well.","start_word":0,"end_word":16,"sentiment":"neutral","sentiment_score":0.11987771838903429},{"text":"Thank you. I'm well. Thank you for attending my call.","start_word":17,"end_word":26,"sentiment":"positive","sentiment_score":0.506751537322998},{"text":"Just ringing today to complete your annual review. Do you have time for that now? Yeah. Yep. Yep. So part of our annual review process is that I'm gonna send you an annual review pack shortly. Before I do so, I just wanna run through your personal financial information that we have on file to make sure it's up to date and correct. Is that okay with you? Yep. Yeah.","start_word":27,"end_word":96,"sentiment":"neutral","sentiment_score":0.1299595832824707},{"text":"Beautiful. Thanks, Craig.","start_word":97,"end_word":99,"sentiment":"positive","sentiment_score":0.40994662046432495},{"text":"I have your marital status here as married. Is that still correct? You're married Yep. to Renee? Yes? Yep.","start_word":100,"end_word":118,"sentiment":"neutral","sentiment_score":0.06950395554304123},{"text":"Beautiful. Fantastic.","start_word":119,"end_word":120,"sentiment":"positive","sentiment_score":0.3963915705680847},{"text":"And we have that you have two dependents. Is that still correct or if you had more? 21. Only one? Yep. And how old are they? 13. Yep. Okay. Beautiful. And we don't have a next of kin notice down here. Would that be Renee for you? Yes. Yeah. Sorry. Beautiful. It's You're a bit fine, Nicole. Sorry. Sometimes I get that feedback. So I'm just gonna hold the speaker to my mouth a little bit closer. Is that better? Absolutely. Got it. Yep. Yep. Okay. Fantastic. With Renee, can I just get her contact number, please, to record as your next Yep. 042 again? 6 Yeah. 287, Yeah. 118. Beautiful.","start_word":121,"end_word":231,"sentiment":"neutral","sentiment_score":0.05190000310540199},{"text":"Fantastic. Thank you for that.","start_word":232,"end_word":236,"sentiment":"positive","sentiment_score":0.39896517992019653},{"text":"So moving on to your occupation and employment, are you still self employed as a truck driver? Yes. Yes? Very good. Looks like you travel some significant kilometers per day. Is it still nine Sometimes. 100? Yep. Yeah. Sorry? Is it still around the 900 kilometers per day? Sometimes more. Yeah. Yep. Okay. Beautiful. Oh, wow. Sorry. Do you roughly how many hours per week would you work? It's like that, isn't it? I'll look probably sixty at first. 50 Yeah. to 60. Yep. Okay. Alright. And we had your income down as 82,000. Would that be correct still? Yeah. Probably about that. Yeah. Yep. Okay. And are you paying yourself any I'm showing it's I'm showing it's down super? as I at this stage. So I mean, it's down as, like, owner's drawings or something at the moment. It's in a bit of a financial spot business wise, so it's just down as a moment until the company gets back up on top, and then it'll be back to no one paying super and puffiest. Okay. Alright. I'll just make a note of that. And we had previously recorded your expenditure being about a thousand dollars a week. Is that still accurate? Probably at least advanced that. Yeah. And are you managing to have any savings each week? Nice. Good No. night. That no. It's a bit hard in this environment, isn't it? Yes. Yes. Yeah. And we got our niece living with us at the moment as well with her two kids, and she can't afford to pay rent. Okay. Yeah. So Yeah. after she can't afford to buy food, so I'm helping support, like, three other people as well. So it doesn't go very far. No. No. No. No. It's very nice of you to do that. It's been ongoing for the last four or five years, I think. So yeah. Wow. Okay. Alright. I just wanted to check asset wise. We had a motorbike here valued at 7,000. Would that still be correct? It's Probably about 5,000 now. Yep. Yep. We had a credit card debt of 11,000. Is that still What? present? Uh-huh. The credit card's still there. The current balance of it, I think it's down to 10. Yeah. Yep. Okay. We had a personal loan of 17,000. Is that still current? It's almost paid out. I think it's down to about $4 now, I think, somewhat.","start_word":237,"end_word":639,"sentiment":"neutral","sentiment_score":-0.02934569010404736},{"text":"Beautiful.","start_word":640,"end_word":640,"sentiment":"positive","sentiment_score":0.4337170422077179},{"text":"And we have three trucks valued at 270,000 with a debt of 250. Is that still current? Jet wise, it'd be probably about $1.50 now. Yeah. Value wise, probably probably about two hundred years. Yep.","start_word":641,"end_word":675,"sentiment":"neutral","sentiment_score":0.05699536300131253},{"text":"Beautiful.","start_word":676,"end_word":676,"sentiment":"positive","sentiment_score":0.5423697829246521},{"text":"And you've still got the three trucks? Yes. Okay. Beautiful. Have you ever been declared bankrupt? Yes. Okay. How long ago was that? Well, I just saw I got married. So it was at twenty eleven. Fifteen years ago. Yep.","start_word":677,"end_word":716,"sentiment":"neutral","sentiment_score":0.03331898897886276},{"text":"Beautiful.","start_word":717,"end_word":717,"sentiment":"positive","sentiment_score":0.4158610701560974},{"text":"No worries at all. Do we have your weight down here. Is it a at a 100 kilograms? Would that still be right? That's still there. Right? Yep. Yep. Any significant health issues or injuries since you we last spoke with you? No. Fantastic. Do you have private health insurance? No. No. That's fine. Alright. And just lastly, last time we spoke, you didn't have your any estate planning in place for your wills and power of attorney. Have you managed to get those looked at or created yet? No. Nope? Okay. I oh, we should No. be able to do it. Yeah. Yeah. We can talk about that in a little bit if you like. I'm just going to jump over now to what we had on record previously with your goals and objectives. One of them was Yep. for the medium term was to purchase a property. Is that still a goal that you're working towards? Still working towards it. It seems to getting Yep. further and further away, though. Yeah. Okay. But prices are actually starting to sort of come down a little bit. So Yep. but, yes, that is the ultimate goal. I definitely do want to get my own property somewhere. Yeah. Okay. Do you have any kind of time frame you're looking at or purchase price? I've purchased quite not really obviously, cheaper the better, but Yeah. Of course. but the time frame I look I would like to hopefully get something in the next couple of years anyway. Okay. Okay. And are you have you got any savings? Are you working on any savings to for a deposit? I'll slowly get there. The Yep. last year has been pretty pretty prolonged because we were looking at moving over to Western Australia, and I moved over there and spent seven months over there, and they almost sent us bankrupt. So, yeah, Yeah. Okay. Yep. Fair I I I moved back and been slogging it hard to get on top of stuff. But, yeah, I've got the ATM knocking on my door as well. So enough. it's Yeah. still Okay. a bit touching at the moment. Okay. No worries. Alright. And you're still focusing on paying down your personal loan and credit cards?","start_word":718,"end_word":1095,"sentiment":"neutral","sentiment_score":-0.035281540072035225},{"text":"I can see that you've made great inroads there even just in the reduction Yeah.","start_word":1096,"end_word":1110,"sentiment":"positive","sentiment_score":0.35495391488075256},{"text":"of Well, personal credit card's down to I just checked the credit card before. It's down to 91. So loan. 91.","start_word":1111,"end_word":1131,"sentiment":"neutral","sentiment_score":0.0232470128685236},{"text":"Beautiful. Fantastic. and the personal loan.","start_word":1132,"end_word":1137,"sentiment":"positive","sentiment_score":0.4505280554294586},{"text":"Oh, I know it's gonna be paid off in December. So Yep. and it's about $1,000 a month. So look. It's about $4. Okay. Okay.","start_word":1138,"end_word":1162,"sentiment":"neutral","sentiment_score":0.061856769025325775},{"text":"Fantastic. Beautiful. Making fantastic inroads there.","start_word":1163,"end_word":1168,"sentiment":"positive","sentiment_score":0.6480103731155396},{"text":"One your your goal in relation to superannuation was while you are young, you're willing to take risks with your super, especially since there is more there is active monitor monitoring available. Closer to the Yep. time when you retire, you want to reduce the risk to protect your super in anticipation of getting ready for retirement. So it is that still applicable? Yep. Yep. Yep. Yeah. So Although, if I somehow get retirement age, they probably would have raised it up to about 70 or 75 by some way. yeah. It's it's hard to know, isn't it? That's what you know, I'm probably in in a similar age bracket, so it's hard to know what they're gonna do Oh, and but how it's the gonna the way impact. the government's going, Yeah. We'll never be able to afford to retire. Yeah. And on retirement, I note that you've got another goal here that you're thinking 67 will be your retirement age. I think that's what we did at the moment. Yeah. 67. Yeah.","start_word":1169,"end_word":1342,"sentiment":"neutral","sentiment_score":-0.003908395395218127},{"text":"With an ideal income of 1,000 a week.","start_word":1343,"end_word":1350,"sentiment":"positive","sentiment_score":0.44863954186439514},{"text":"Do you still think that's right? Yeah. Well, Yeah. probably Oh, need in more today's than that. It's dollars. a cost of living, Yeah. but yeah. Yep. Ideally, if that that would be probably about right. So yep. Okay. So that would be in today's dollars. So a thousand dollars today might be worth 2,000 once for a Yeah. tire, etcetera. So, obviously, we keep it in pace with inflation. And then your other goal was that you currently do not have any TPD or income protection, and you really should get it covered given your occupation. But I do note that you do have PPD cover now. So I think that that in in itself is that goal's been achieved, but I do note that you don't have any income protection. Yep. Is that something that you wanted to look at? Or Look. Probably, we'll look at it probably in the next sort of six months or so. Like I said, like, the company is in a position yep. at the moment where I need to focus on Yep. getting it to where it needs to be. Yes. Of course. So one of the recommendations from my account was to liquidate the company, which I'm like, well, I've just spent the last twelve months passing my backside to get on top of stuff, and I'm slowly getting there. So I'm like, yeah. But Yeah. I don't really wanna be liquidating, not when I'm close to owning majority of my equipment. So therefore, Yep. yeah, we have a lot of extra cash flow there. So yeah. Yeah. Of course. Oh, Of course. Well, hopefully, the hopefully, it's all all your hard work's gonna pay off. I'm sure it will, you know, when we set well, our hopefully. minds to things. I looked at there. From what I was told, they basically sort of said to to liquidate due to the fact that if I don't pay the ATO debt within twenty one days, it gets passed on to me being director. And once I get it, it's gonna be paid. Whereas if I look at that company, the debt goes away, which I still Yeah. don't understand how that works because I thought that was the whole idea of having a director go on tour. They the company goes Yeah. for the debt still gets passed on to the directors. Yeah. That that doesn't make a great I'm not I'm not up on my on that type of tax, but, yeah, that it does sound a bit odd, doesn't It does. So I'm kinda like it? Yeah. Okay. Yep. Okay. So you've got a lot more significant factors to deal with at the moment. yeah. Yeah. Yes. Yes. Understand completely. So the next section of this is a risk profile. You're currently invested as a high growth investor, which typically means that we have 90% of your assets allocated to growth and 10% to defensive type assets. What we would typically expect in that type of profile is a one in five one year in every one every five years, one year would be a negative, and you'd need a minimum time frame of eight years to invest in this portfolio to allow for the market fluctuation to ride out the the bad the bad days, essentially. Yep. I know one of your goals was to take the risks with your super while you have the opportunity to. So I want to confirm with you whether you're happy to maintain that risk profile and that approach to risk or whether you wanted to look at completing the risk profile and see if you feel that you wanna decrease your your allocation to growth assets a little bit. Well, I'm also just leave it where it is. Yeah? And you're comfortable Yep. with the the when I send you the pack, we can go through that in a little bit more just to make sure that you're comfortable with it and how it works. There's a little visual tool in there that we use that helps explain it a little bit. Yep. Yep. So what I have done is I have just sent you an email. Do you have access to your emails at I'm driving at the moment, all? but Oh, sorry. I didn't realize you're driving. No. Okay. I got it. So I'm gonna talk through these documents. You can have a look at them once you have the chance to. And then if you've got any questions, once you've had a chance to look at them, you can send me an email or give me a callback, and we can talk through them. Basically, Yep. the front page is just a very brief summary of your super and insurance, which is with Netwealth. Current value is about $73,903, and you've got your life and TPD insurance with Zurich for $935,940, and that's funded from your Netwealth super balance, those premiums. Yep.","start_word":1351,"end_word":2183,"sentiment":"neutral","sentiment_score":0.00175667175350069},{"text":"The return on your portfolio in the last twelve months has been not great. I know earlier this year, we in March, we moved you out of the Bennelong Australian equity fund due to underperformance. So that the report still in the last twelve months includes those negative reports from Bennelong. So the twelve month return was negative 1.12%.","start_word":2184,"end_word":2242,"sentiment":"negative","sentiment_score":-0.502346932888031},{"text":"And what we've Yep. gone and done is included a six month performance to report to show you how the the portfolio is recovering now that Bennelong is no longer within your portfolio. So when you're able to have a look, you'll see from the twelve months to the six month report that the in the last six months, your portfolio has returned 5.38%. So in a twelve month period with a high growth portfolio, we'd expect an average return of eight to 10% grosser fees. So you're well on the way to achieving that return in a high high growth portfolio now that we've redigged your portfolio a little bit to remove that underperforming fund and replace it with a with Okay. the beta Yep. shares Australian ETF. Within that pack is also a Vanguard index chart. It's a bright red document, bright red header. The top four on the right hand column, your shares being international Australian and US and property, they're your growth assets. So they're the ones where we're heavily invested in, the 90%, typically. And then Yep. below below that is your bonds and cash, which is your defensive asset sitting around 10%. What the graph does is it shows you the volatility of those growth assets and over time how the market reacts. So long term, we you know, growth is always expected, but you've gotta be in it for a period of time to be able to withstand those losses and fluctuations. So that's why we say a minimum of eight years for a high growth portfolio.","start_word":2243,"end_word":2506,"sentiment":"neutral","sentiment_score":0.09646399889254208},{"text":"And it's a great tool to look at just visually to say, okay.","start_word":2507,"end_word":2519,"sentiment":"positive","sentiment_score":0.570860743522644},{"text":"I understand about 90% of my funds are gonna go up and down significantly with those top four, and I can withstand that for at least eight years. I note that you're about thirteen years from accessing super, so you can access it from the age of 60. But if your retirement is 67, you're looking about twenty years. So you do have time on your side to, withstand and hold when there is fluctuations in that risk profile, and we would always review it every year with you anyway to see if there's a need to decrease the exposure to that growth assets. Yep. Any any questions with that? No. No? All good.","start_word":2520,"end_word":2633,"sentiment":"neutral","sentiment_score":0.04831182584166527},{"text":"Perfect.","start_word":2634,"end_word":2634,"sentiment":"positive","sentiment_score":0.34252336621284485},{"text":"The in within that pack as well is the financial services well, our financial services guide. It just explains who we are, who our licensee is that we are licensed by. It explains the advice services we provide, how we provide them, the standard fee structure, and if you're unhappy with any of the services we provide, the complaints process. So that document is within the pack, and you'll also find it on our website. The and now the next the following three documents in the pack, so the last three, actually require your signature when you've had a chance to review them, and you can do it electronically through the email that we've sent to you. Okay. Yep. The first one that requires your consent, which is signing, is the ongoing fee consent. So this is the advice fee that you pay us, and it's funded from your super fund. It's a $6 fee, and it's a $106.70 per month. So annually, that equates to $1,280.40. And that covers you for your annual review and also any other ad hoc advice or conversation that you need to have with us. So there's no limit on the the times that we can speak with you. We're not gonna limit that.","start_word":2635,"end_word":2844,"sentiment":"neutral","sentiment_score":0.0952486110939866},{"text":"So we're your adviser, and we're here to help in any capacity in which we can.","start_word":2845,"end_word":2860,"sentiment":"positive","sentiment_score":0.4825828075408935},{"text":"Hey, Amy. Yep. So we'd need you to sign that if you wish to continue being a client and having us as your adviser, the next document that we ask that you sign is the tax file number.","start_word":2861,"end_word":2898,"sentiment":"neutral","sentiment_score":0.14393047988414764},{"text":"So what that allows us to do is you're approving basically that you're happy for us to retain your tax file number on record.","start_word":2899,"end_word":2922,"sentiment":"positive","sentiment_score":0.4030885696411133},{"text":"The reason why we have it is because of your superannuation fund. So when we set it up, we provided it to Netwealth to ensure that, you know, you're not taxed ex exorbitantly because you didn't provide your tax file number. So this just gives us the authority to hold that from a privacy perspective. Okay.","start_word":2923,"end_word":2978,"sentiment":"neutral","sentiment_score":0.23926901817321777},{"text":"Good.","start_word":2979,"end_word":2979,"sentiment":"positive","sentiment_score":0.4533989429473877},{"text":"And then the last document is an authorization to search for lost super. So one of the services we provide is that we, on your behalf, can look for any lost super, and we do this for all of our clients that could potentially be with the ATO or in a holding fund somewhere. So if you would like us to do that on your behalf, you could sign that form, and we can do that. And if we do find any lost super that's connected to you, we'd reach out to you and go through the process in getting that consolidated and advice provided. Cool. Yeah. So any questions? No. Let me check. No? Okay. Well, from my perspective, that's about it. From a review perspective, We've looked at the other funds within your portfolio, and we're quite happy with those with no immediate red flags being identified for us or recommendations in relation to chain making investment switches at the moment. Yep. So I think from from my perspective, the one thing I probably would strongly recommend is looking at your wills and enduring power of attorney. Yep. And if you would like me to, I can send you through some information on that of of just what they are, what I'm sure you know what they are, but the the Yep. benefit of them. But, also, we do have a professional partner that does work on these with our clients at a re quite a reasonable rate. But it's just an information brochure if you want me to send that through to you. No worries. Yeah? Okay. What I will do is I'll send you through that brochure. There's no the only other items that I will send to you that I've noted is that you don't have a beneficiary nomination in your Netwealth Superfund, which Okay. means the trustees can decide who your super goes to. Now given that Renee is your your wife, it's likely that the trustees will decide that it's paid to her because she's a financial dependent on the superannuation legislation act, but Yep. it just does hold up the process. So I will arrange to get that form sent to you. It does Yep. need a wet a a wet signature. Do you have Yeah. access to a printer, or do you want me to post it? Yep. Yeah? Take up for now. Okay. Yep. Yep.","start_word":2980,"end_word":3384,"sentiment":"neutral","sentiment_score":0.11044702630628038},{"text":"Beautiful.","start_word":3385,"end_word":3385,"sentiment":"positive","sentiment_score":0.3445602059364319},{"text":"So you will need two people to witness it, Yep. but the beneficiary is unable to witness it. So Yep. Okay. yeah. I And thought I I got a can niece here and the mother-in-law too.","start_word":3386,"end_word":3421,"sentiment":"neutral","sentiment_score":0.02776561677455902},{"text":"beautiful. You got a full house.","start_word":3422,"end_word":3427,"sentiment":"positive","sentiment_score":0.4488493502140045},{"text":"Oh, yeah. Yeah. I understand. I got my nephew living with me, so I understand it. But, thankfully, he has Yes. no children I had to had go along the nessies with that. and stuff. Yep. Yeah. Yep. Unfortunately. Yeah. Yeah. Did you want Renee to be your beneficiary on your super, which also is Yep. feeds through to your Yep. life insurance policy? Yep. Yep. Would you like us to prefill the form for you so you can just sign Yeah. it? If you want. Yeah. Yeah. Yep. So with Renee, I just need her date of birth. Eighteenth for the fifth Yep. 1989. 1989.","start_word":3428,"end_word":3533,"sentiment":"neutral","sentiment_score":0.02269312755187165},{"text":"Beautiful.","start_word":3534,"end_word":3534,"sentiment":"positive","sentiment_score":0.6222559213638306},{"text":"And at 91 Green Road Parkride as Parkridge, well. R O D G Oh, oh, okay. Park the typo in there. Sorry about that. I was thinking Parkride sounds a bit odd. And with the beneficiary nomination, there's two types that you can have. There's a binding and a non lapsing binding. So a non lapsing binding means that it won't lapse, and the trustees are bound by it, your Okay. decision. Whereas Yep. a binding is it will lapse every three years, and you need to review it. So what would be your preference? Okay. The nonbinding one. Yes. The nonlapsing? Nonlapsing. Yeah. Yep. Yep. Yep.","start_word":3535,"end_word":3641,"sentiment":"neutral","sentiment_score":0.009072670713067056},{"text":"Perfect.","start_word":3642,"end_word":3642,"sentiment":"positive","sentiment_score":0.50682532787323},{"text":"Yeah. With part with partners, that's the most common because you can check it can be updated and changed by just lodging a new beneficiary form, and it just avoids having to do it every three form, and it Yep. just avoids Yep. having to do it every three years. Yep.","start_word":3643,"end_word":3693,"sentiment":"neutral","sentiment_score":0.09904567897319794},{"text":"Beautiful.","start_word":3694,"end_word":3694,"sentiment":"positive","sentiment_score":0.4472227692604065},{"text":"Alright. Well, I'm I'm the last divorce I right now, apparently. So yeah. yeah. I I I don't think mine will divorce me either, hopefully. Fingers crossed. Oh, Alright. one one Beautiful. might allow me to. Yeah. I don't think mine would let me either.","start_word":3695,"end_word":3739,"sentiment":"neutral","sentiment_score":-0.04620472714304924},{"text":"I think he'd be in a little bit of trouble if if I if I did.","start_word":3740,"end_word":3755,"sentiment":"negative","sentiment_score":-0.3452022075653076},{"text":"Not that I would, but you know? Mhmm. And with your review frequency, are you happy to keep it annually, or would you like it a little bit more often? I'm not in the retirement yet. Annual is fine? Okay.","start_word":3756,"end_word":3795,"sentiment":"neutral","sentiment_score":-0.01745973341166973},{"text":"Beautiful.","start_word":3796,"end_word":3796,"sentiment":"positive","sentiment_score":0.4367682933807373},{"text":"Alright. Well, I'm going to send you through those emails with a couple of with the beneficiary and the brochure for estate planning. Yep. In the meantime, if you have any questions at all or you need anything from us, just give us a call, and, we're here to help. No Beautiful.","start_word":3797,"end_word":3848,"sentiment":"neutral","sentiment_score":0.1792339854515516},{"text":"Well, thank you so much for your time, Craig. I really appreciate it.","start_word":3849,"end_word":3861,"sentiment":"positive","sentiment_score":0.722270667552948},{"text":"worries.","start_word":3862,"end_word":3862,"sentiment":"neutral","sentiment_score":0.2765633463859558},{"text":"No problem. Enjoy your day, and hopefully, you're off the road soon.","start_word":3863,"end_word":3874,"sentiment":"positive","sentiment_score":0.4962916970252991},{"text":"Yes. To hear you. Okay.","start_word":3875,"end_word":3879,"sentiment":"neutral","sentiment_score":0.2541845440864563},{"text":"Thank you.","start_word":3880,"end_word":3881,"sentiment":"positive","sentiment_score":0.5675978660583496},{"text":"Yeah. Right. Bye.","start_word":3882,"end_word":3884,"sentiment":"neutral","sentiment_score":0.26897844672203064}],"average":{"sentiment":"neutral","sentiment_score":0.04438025106429703}}}}