{"metadata":{"transaction_key":"deprecated","request_id":"01a0560a-368a-7161-80b7-a21b5c118bef","sha256":"4af06a046ba6dee0ad95f329a13c11bfc530d1dfb7451cfa048970f4fadecc8b","created":"2026-08-31T04:18:26.865Z","duration":930.67194,"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":3727,"output_tokens":97},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4200,"output_tokens":4209},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4200,"output_tokens":310}},"results":{"channels":[{"alternatives":[{"transcript":"Good day, Matthew. Tommy here from Oakview Financial, senior adviser, mate. How are you doing? Living the dream. It's a beautiful week so far. What about yours? Good to hear, mate. Mate, I've got a bit of funds for you today. Just had a conversation with Connor and going through your file. Couple of things we were looking at for you this year. So I might just do a quick security check with you and then dive in if that's alright. Beautiful. So I registered with Asic as adviser one 273105. Could I just confirm your date of birth and address, ma'am? Ssensational. And are you okay for the call to be recorded? Perfect. So two main things to look at at the moment is we're looking at maybe updating the portfolio on the super and also the insurance side of things. You've got some upcoming loans, and we're looking at maybe increasing the insurances. Does that sound about right? Beautiful. Beautiful. So couple of quick things I wanted to look at here is I've been going through your portfolio. Really fantastic aggressive portfolio that Veronica put together for you. I could see there that there was the the India option had dropped a little bit, but outside of that, everything's had some insane double digit returns there, so that's looking really good. Now when it comes to options for what to do there, I know you probably would have already talked to Connor about a couple of things in terms of switching an option out or maybe adding it into a new structure, like an SMA, where we can move things around throughout the year, sort of keep on top of it a little bit quicker. Does that ring a bell? Cool. Yes. Yeah. Yep. First estimate of the market with those guys. And how it basically works, an SMA pretty much puts a bubble around the portfolio. It allows us to move the portfolio onto one of Hub's lower fee menus. Because normally, to get all these ETFs, you need to be in the choice menu. It's a bit more expensive. We can move it across into the cheaper menu, still have access to everything. And then through the year, if something changes with the market, maybe every quarter or so, they can actually switch fund managers out if we think we wanna go a different direction or if they're not doing so well. Now the only thing that it kind of does that kind of looks worse is because the SMA, it looks at what's happening right now in the world and what we're thinking is coming around the corner. It looks a little bit worse in terms of past performance because your portfolio, it's got a bit of crypto in there. It's got gold. It's got so many awesome options that the last five years have just knocked it out of the park. Now I can put it into that kind of estimate structure, get things going a bit quicker, and then we can be on top of the market a lot easier. It's just gonna look a little bit worse in terms of past performance because it is forward looking. The only difference is, like, look, if we switch out that one option, I can do that, pull out the India and rebalance it kinda thing. But then every year, if something else goes wrong, we're gonna have to have that same conversation and then wait a couple of weeks to do some updated documents just to switch it out. K? So I wanna make sure I'll do that comparison for you, see if the fee savings and the performance is is comparable. If it's pretty close, I'll recommend it. If it's, like, a huge 4% difference, I might not be able to because your portfolio is just that good. Cool? The other thing too is just because you're in that aggressive risk profile, just making sure you're still comfortable for all of the super to be in, like, growth assets, share, property, gold, crypto, just getting as high return as possible. Long term? Fantastic. And what you're in the at the moment, you're kind of you're finishing off your last few years of growth. Now time frame wise, are you we were kind of looking at, like, age 60. As soon as you hit 60, there's your preservation age. You can access the super, retire as early as possible. Does that sound about right? So, really and this is not to sort of scare you anything, but in the next thirteen, fourteen years, you've got two market cycles ahead of you. They're usually around seven years where the economy grows and the stock market goes up, and then a COVID happens and it crashes, and then it'll grow again and then it'll crash again. Basically, you're sitting at 467,000 today. If we grow up for the next seven years with all the contributions going in and all the growth, that's gonna become five, six, seven, eight, nine hundred thousand very quickly. And then for the last seven years, we've then got to reduce that risk level down and protect it once it's built. Now what that means is that could go down a $100 in six months, and then it'll go back up a $180 the next six months. It's probably the biggest roller coaster you could possibly go on to is having $500,000 in an aggressive portfolio. K? So if you're comfortable with that, we go for gold for seven years, and then we start reducing you down from a 100% growth assets, ninety, eighty, seventy, sixty, fifty, forty, and then we transition you into a safe pension account when you hit 60. Fantastic. So we'll go for it for seven years, then we'll protect it and get you into a nice company retirement right on 60. That'll be no problem. And I'll do those comparisons and see if I can get it in a better similar position, but with the ability to mix things up a little lot quicker than usual. Yep. Just bear in mind that when I do the projections, it'll look a little bit worse. Cool. And just in terms of the insurance side of things, just having a quick check of a couple of things. You've got the sort of a share of a property that you've got a bit of a loan on. Is there another loan you're about to get? So it's just that one at the moment? Moment? Oh, yeah. Yeah. Okay. Yep. I'm with you. Total debt's gonna be about $9.50, and your your share of it, I guess, is technically a third of that. Now are you trying to protect the whole debt, like, with your own life insurance kind of thing, the whole $9.50? As well. Yep. Yep. Okay. So that minimizes the risk a little bit. K. Yeah. Because you've got $488,000 of life and TPD at the moment. So if you pass away or can never work again, that lump sum just shy of 0.5 a mil plus your super comes out, and combined, you're looking at just under a million dollars of super and insurance in that event. So from my perspective, it looks like you're pretty well covered unless there's some sort of amount that you're looking for. Yeah. Yep. And actually, how much are you sort of thinking for that? Of what what is your mind up to? Yeah. Yeah. No. Absolutely. At the moment, the the premiums are 123 a month, which is it's getting up there. It's not expensive because it's still under $2, and you're getting close to 50. When you hit your fifties, it's gonna start creeping up to $4, $6, $7 kind of thing. It'll start to eat into it in a few years' time. Now in terms of what the price will get to or or how much to get extra insurance? Well, I can definitely see I can do a little bit of projection. Let me have a quick look here. So we got $1.23. Yeah. When when you hit 50, it'll be over 2,000. When you hit 55, it'll be about 4 or 5,000. And when you hit 60, it'll be, like, 7,000. Just the Yeah. Yep. That just under 0.5 a mil of life and TPD insurance. Any increases on that, we're we're lumping on an extra couple of grand. But I could I could get a little bit of life insurance, but the TPD, I don't think I can get your TPD this year, the disability. The main one, not the total disability. Okay. So we'll have to approach it in a couple of ways. Let me check a couple of things with you. So, obviously, Connor mentioned that occupation is probably a bit rough for insurance pricing just because of the the port work, the heights, the machinery. When it comes down to the equipment that breaks down and you repair, what's the kind of biggest and bulkiest type of equipment that you have to work with? Heat crane. And is that when you go up to the heights to sort of fix the top of the crane? Yep. Beautiful. Okay. So that's rough for TPD insurance, but not so bad for life insurance. That's okay. Age is one thing. That's alright. Still under 50. When it comes to health wise, let me just do a quick recap. We've got bronchitis in 2014 that got cleared out by antibiotics. We had the broken collarbones back in the nineties. That all healed up. The only two things I need to check is in terms of BMI does have a huge play in pricing. We had you about 32 for a little bit there. A 187, a 112 kegs. What would you be sitting at the moment? Just in terms of kilos or pounds, whatever is easier for you. One twenty. So when you hit thirty four, which that just press over, you start to get some loadings, which they might pump the price up by, like, 50%. Maybe it's 35. So it's on the cusp there. First, the occupation is not so bad for life insurance. Like you said, that's the important one. We may have to wait till June of next year. The only one I can see here that's a red flag is that we had a little bit of party drug usage in 2024, mid twenty twenty four. They usually 2024 that you may have done a little bit of the the old party drugs, possibly cocaine. Now when they when we've got that, it's usually three or five years that we can't touch it for. So what I might have to do is I might have to just put a pin in that one until about, let's say, June, and then I can do a life insurance quote for you. Is that okay? Cool. So what I'll do is I'll I'll deal with the portfolio now. I'll do those comparisons. I'll get in a couple of weeks' time. We'll book you in. I'll show you the differences, make sure you're comfortable with that new structure, get the fees down, fix up the investments a little bit. At the very least, if I can't get you into that SMA, I'll switch out the India option for you and beneficial. Yeah. The only I guess sometimes when they go down, you go, oh, look. Let's just get rid of it. Some of them is a bit more like long term, you know, as the manufacturing from China moves across to India. It's more like a five year thing. So we're kind of looking at the long term. So I'll do a bit of a comparison for you. If you're not too set in stone on it, I'll just make sure I I don't put you anything any anything worse than what you've currently got because, like I was saying, this is performing so well. Five years, we're talking high double digits compared to the rest of the industry. This is honestly one of the best portfolios I've seen in a very long time. And then I've put a note on file already that come, like, June, we'll do the review a little bit earlier. And if I can get you a bit of a quote for some life insurance as a top up, I can do that then as well. Awesome. Mate, any questions for me at the moment? Sweet. So I'll do the research. I'm a bit booked out at the moment, but I'll get you booked in in a couple of weeks to run through the portfolio. We'll have a chat around June about the insurances and just a general review. And is there anything you feel like you might need around Christmas time, or are you okay just deal with the Super Now insurance next year? Perfect. Alright. Anything else for me before I let you go, mate? Awesome, mate. Appreciate it. I will sort that out as soon as I can, and just keep an ear out for a call in a couple of weeks. Have a great day, mate. Cheers. 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day, Matthew. Tommy here from Oakview Financial, senior adviser, mate. How are you doing? Living the dream. It's a beautiful week so far.\n\nWhat about yours? Good to hear, mate. Mate, I've got a bit of funds for you today. Just had a conversation with Connor and going through your file. Couple of things we were looking at for you this year.\n\nSo I might just do a quick security check with you and then dive in if that's alright. Beautiful. So I registered with Asic as adviser one 273105. Could I just confirm your date of birth and address, ma'am? Ssensational.\n\nAnd are you okay for the call to be recorded? Perfect. So two main things to look at at the moment is we're looking at maybe updating the portfolio on the super and also the insurance side of things. You've got some upcoming loans, and we're looking at maybe increasing the insurances. Does that sound about right?\n\nBeautiful. Beautiful. So couple of quick things I wanted to look at here is I've been going through your portfolio. Really fantastic aggressive portfolio that Veronica put together for you. I could see there that there was the the India option had dropped a little bit, but outside of that, everything's had some insane double digit returns there, so that's looking really good.\n\nNow when it comes to options for what to do there, I know you probably would have already talked to Connor about a couple of things in terms of switching an option out or maybe adding it into a new structure, like an SMA, where we can move things around throughout the year, sort of keep on top of it a little bit quicker. Does that ring a bell? Cool. Yes. Yeah.\n\nYep. First estimate of the market with those guys. And how it basically works, an SMA pretty much puts a bubble around the portfolio. It allows us to move the portfolio onto one of Hub's lower fee menus. Because normally, to get all these ETFs, you need to be in the choice menu.\n\nIt's a bit more expensive. We can move it across into the cheaper menu, still have access to everything. And then through the year, if something changes with the market, maybe every quarter or so, they can actually switch fund managers out if we think we wanna go a different direction or if they're not doing so well. Now the only thing that it kind of does that kind of looks worse is because the SMA, it looks at what's happening right now in the world and what we're thinking is coming around the corner. It looks a little bit worse in terms of past performance because your portfolio, it's got a bit of crypto in there.\n\nIt's got gold. It's got so many awesome options that the last five years have just knocked it out of the park. Now I can put it into that kind of estimate structure, get things going a bit quicker, and then we can be on top of the market a lot easier. It's just gonna look a little bit worse in terms of past performance because it is forward looking. The only difference is, like, look, if we switch out that one option, I can do that, pull out the India and rebalance it kinda thing.\n\nBut then every year, if something else goes wrong, we're gonna have to have that same conversation and then wait a couple of weeks to do some updated documents just to switch it out. K? So I wanna make sure I'll do that comparison for you, see if the fee savings and the performance is is comparable. If it's pretty close, I'll recommend it. If it's, like, a huge 4% difference, I might not be able to because your portfolio is just that good.\n\nCool? The other thing too is just because you're in that aggressive risk profile, just making sure you're still comfortable for all of the super to be in, like, growth assets, share, property, gold, crypto, just getting as high return as possible. Long term? Fantastic. And what you're in the at the moment, you're kind of you're finishing off your last few years of growth.\n\nNow time frame wise, are you we were kind of looking at, like, age 60. As soon as you hit 60, there's your preservation age. You can access the super, retire as early as possible. Does that sound about right? So, really and this is not to sort of scare you anything, but in the next thirteen, fourteen years, you've got two market cycles ahead of you.\n\nThey're usually around seven years where the economy grows and the stock market goes up, and then a COVID happens and it crashes, and then it'll grow again and then it'll crash again. Basically, you're sitting at 467,000 today. If we grow up for the next seven years with all the contributions going in and all the growth, that's gonna become five, six, seven, eight, nine hundred thousand very quickly. And then for the last seven years, we've then got to reduce that risk level down and protect it once it's built. Now what that means is that could go down a $100 in six months, and then it'll go back up a $180 the next six months.\n\nIt's probably the biggest roller coaster you could possibly go on to is having $500,000 in an aggressive portfolio. K? So if you're comfortable with that, we go for gold for seven years, and then we start reducing you down from a 100% growth assets, ninety, eighty, seventy, sixty, fifty, forty, and then we transition you into a safe pension account when you hit 60. Fantastic. So we'll go for it for seven years, then we'll protect it and get you into a nice company retirement right on 60.\n\nThat'll be no problem. And I'll do those comparisons and see if I can get it in a better similar position, but with the ability to mix things up a little lot quicker than usual. Yep. Just bear in mind that when I do the projections, it'll look a little bit worse. Cool.\n\nAnd just in terms of the insurance side of things, just having a quick check of a couple of things. You've got the sort of a share of a property that you've got a bit of a loan on. Is there another loan you're about to get? So it's just that one at the moment? Moment?\n\nOh, yeah. Yeah. Okay. Yep. I'm with you.\n\nTotal debt's gonna be about $9.50, and your your share of it, I guess, is technically a third of that. Now are you trying to protect the whole debt, like, with your own life insurance kind of thing, the whole $9.50? As well. Yep. Yep.\n\nOkay. So that minimizes the risk a little bit. K. Yeah. Because you've got $488,000 of life and TPD at the moment.\n\nSo if you pass away or can never work again, that lump sum just shy of 0.5 a mil plus your super comes out, and combined, you're looking at just under a million dollars of super and insurance in that event. So from my perspective, it looks like you're pretty well covered unless there's some sort of amount that you're looking for. Yeah. Yep. And actually, how much are you sort of thinking for that?\n\nOf what what is your mind up to? Yeah. Yeah. No. Absolutely.\n\nAt the moment, the the premiums are 123 a month, which is it's getting up there. It's not expensive because it's still under $2, and you're getting close to 50. When you hit your fifties, it's gonna start creeping up to $4, $6, $7 kind of thing. It'll start to eat into it in a few years' time. Now in terms of what the price will get to or or how much to get extra insurance?\n\nWell, I can definitely see I can do a little bit of projection. Let me have a quick look here. So we got $1.23. Yeah. When when you hit 50, it'll be over 2,000.\n\nWhen you hit 55, it'll be about 4 or 5,000. And when you hit 60, it'll be, like, 7,000. Just the Yeah. Yep. That just under 0.5 a mil of life and TPD insurance.\n\nAny increases on that, we're we're lumping on an extra couple of grand. But I could I could get a little bit of life insurance, but the TPD, I don't think I can get your TPD this year, the disability. The main one, not the total disability. Okay. So we'll have to approach it in a couple of ways.\n\nLet me check a couple of things with you. So, obviously, Connor mentioned that occupation is probably a bit rough for insurance pricing just because of the the port work, the heights, the machinery. When it comes down to the equipment that breaks down and you repair, what's the kind of biggest and bulkiest type of equipment that you have to work with? Heat crane. And is that when you go up to the heights to sort of fix the top of the crane?\n\nYep. Beautiful. Okay. So that's rough for TPD insurance, but not so bad for life insurance. That's okay.\n\nAge is one thing. That's alright. Still under 50. When it comes to health wise, let me just do a quick recap. We've got bronchitis in 2014 that got cleared out by antibiotics.\n\nWe had the broken collarbones back in the nineties. That all healed up. The only two things I need to check is in terms of BMI does have a huge play in pricing. We had you about 32 for a little bit there. A 187, a 112 kegs.\n\nWhat would you be sitting at the moment? Just in terms of kilos or pounds, whatever is easier for you. One twenty. So when you hit thirty four, which that just press over, you start to get some loadings, which they might pump the price up by, like, 50%. Maybe it's 35.\n\nSo it's on the cusp there. First, the occupation is not so bad for life insurance. Like you said, that's the important one. We may have to wait till June of next year. The only one I can see here that's a red flag is that we had a little bit of party drug usage in 2024, mid twenty twenty four.\n\nThey usually 2024 that you may have done a little bit of the the old party drugs, possibly cocaine. Now when they when we've got that, it's usually three or five years that we can't touch it for. So what I might have to do is I might have to just put a pin in that one until about, let's say, June, and then I can do a life insurance quote for you. Is that okay? Cool.\n\nSo what I'll do is I'll I'll deal with the portfolio now. I'll do those comparisons. I'll get in a couple of weeks' time. We'll book you in. I'll show you the differences, make sure you're comfortable with that new structure, get the fees down, fix up the investments a little bit.\n\nAt the very least, if I can't get you into that SMA, I'll switch out the India option for you and beneficial. Yeah. The only I guess sometimes when they go down, you go, oh, look. Let's just get rid of it. Some of them is a bit more like long term, you know, as the manufacturing from China moves across to India.\n\nIt's more like a five year thing. So we're kind of looking at the long term. So I'll do a bit of a comparison for you. If you're not too set in stone on it, I'll just make sure I I don't put you anything any anything worse than what you've currently got because, like I was saying, this is performing so well. Five years, we're talking high double digits compared to the rest of the industry.\n\nThis is honestly one of the best portfolios I've seen in a very long time. And then I've put a note on file already that come, like, June, we'll do the review a little bit earlier. And if I can get you a bit of a quote for some life insurance as a top up, I can do that then as well. Awesome. Mate, any questions for me at the moment?\n\nSweet. So I'll do the research. I'm a bit booked out at the moment, but I'll get you booked in in a couple of weeks to run through the portfolio. We'll have a chat around June about the insurances and just a general review. And is there anything you feel like you might need around Christmas time, or are you okay just deal with the Super Now insurance next year?\n\nPerfect. Alright. Anything else for me before I let you go, mate? Awesome, mate. Appreciate it.\n\nI will sort that out as soon as I can, and just keep an ear out for a call in a couple of weeks. Have a great day, mate. Cheers. Bye.","paragraphs":[{"sentences":[{"text":"Good day, Matthew.","start":3.4399998,"end":4.24,"sentiment":"neutral","sentiment_score":0.24167675276597342},{"text":"Tommy here from Oakview Financial, senior adviser, mate.","start":4.24,"end":6.64,"sentiment":"neutral","sentiment_score":0.14478417206555605},{"text":"How are you doing?","start":6.64,"end":7.54,"sentiment":"neutral","sentiment_score":0.18158534169197083},{"text":"Living the dream.","start":9.12,"end":9.76,"sentiment":"positive","sentiment_score":0.6344780921936035},{"text":"It's a beautiful week so far.","start":9.76,"end":11.12,"sentiment":"positive","sentiment_score":0.7031267384688059}],"sentiment":"positive","sentiment_score":0.3638266545409958,"num_words":24,"start":3.4399998,"end":11.12},{"sentences":[{"text":"What about yours?","start":11.12,"end":12.0199995,"sentiment":"neutral","sentiment_score":0.26531316836675006},{"text":"Good to hear, mate.","start":14.08,"end":15.105,"sentiment":"positive","sentiment_score":0.38289039582014084},{"text":"Mate, I've got a bit of funds for you today.","start":15.745,"end":17.585,"sentiment":"neutral","sentiment_score":0.18123602718114853},{"text":"Just had a conversation with Connor and going through your file.","start":17.585,"end":20.645,"sentiment":"neutral","sentiment_score":0.12750728021968494},{"text":"Couple of things we were looking at for you this year.","start":21.025,"end":23.345,"sentiment":"neutral","sentiment_score":0.1244291520931504}],"sentiment":"neutral","sentiment_score":0.17720928501624328,"num_words":39,"start":11.12,"end":23.345},{"sentences":[{"text":"So I might just do a quick security check with you and then dive in if that's alright.","start":23.345,"end":27.765,"sentiment":"neutral","sentiment_score":0.08800957517491446},{"text":"Beautiful.","start":29.185,"end":29.685,"sentiment":"positive","sentiment_score":0.35940760374069214},{"text":"So I registered with Asic as adviser one 273105.","start":30.31,"end":34.15,"sentiment":"neutral","sentiment_score":0.07704443898465899},{"text":"Could I just confirm your date of birth and address, ma'am?","start":34.15,"end":37.21,"sentiment":"neutral","sentiment_score":0.049138080667365684},{"text":"Ssensational.","start":42.925,"end":43.245,"sentiment":"neutral","sentiment_score":0.05773054808378219}],"sentiment":"neutral","sentiment_score":0.08088073357939721,"num_words":40,"start":23.345,"end":43.245},{"sentences":[{"text":"And are you okay for the call to be recorded?","start":43.245,"end":45.024998,"sentiment":"neutral","sentiment_score":0.029405645094811916},{"text":"Perfect.","start":47.004997,"end":47.504997,"sentiment":"positive","sentiment_score":0.3672252297401428},{"text":"So two main things to look at at the moment is we're looking at maybe updating the portfolio on the super and also the insurance side of things.","start":47.565,"end":56.125,"sentiment":"neutral","sentiment_score":0.04744799940713814},{"text":"You've got some upcoming loans, and we're looking at maybe increasing the insurances.","start":56.125,"end":60.12,"sentiment":"neutral","sentiment_score":0.01703439738888007},{"text":"Does that sound about right?","start":60.18,"end":61.48,"sentiment":"neutral","sentiment_score":0.019244189932942392}],"sentiment":"neutral","sentiment_score":0.0404823470141804,"num_words":57,"start":43.245,"end":61.48},{"sentences":[{"text":"Beautiful.","start":64.18,"end":64.659996,"sentiment":"neutral","sentiment_score":0.21420122683048248},{"text":"Beautiful.","start":64.659996,"end":65.14,"sentiment":"neutral","sentiment_score":0.2321951389312744},{"text":"So couple of quick things I wanted to look at here is I've been going through your portfolio.","start":65.14,"end":70.119995,"sentiment":"neutral","sentiment_score":0.09274973927272691},{"text":"Really fantastic aggressive portfolio that Veronica put together for you.","start":71.675,"end":75.855,"sentiment":"neutral","sentiment_score":0.22095211446285248},{"text":"I could see there that there was the the India option had dropped a little bit, but outside of that, everything's had some insane double digit returns there, so that's looking really good.","start":76.315,"end":85.68,"sentiment":"neutral","sentiment_score":0.09993057506102504}],"sentiment":"neutral","sentiment_score":0.12100193324306655,"num_words":63,"start":64.18,"end":85.68},{"sentences":[{"text":"Now when it comes to options for what to do there, I know you probably would have already talked to Connor about a couple of things in terms of switching an option out or maybe adding it into a new structure, like an SMA, where we can move things around throughout the year, sort of keep on top of it a little bit quicker.","start":88.24,"end":105.185005,"sentiment":"neutral","sentiment_score":0.048174463416216895},{"text":"Does that ring a bell?","start":105.185005,"end":106.245,"sentiment":"neutral","sentiment_score":0.044450870156288146},{"text":"Cool.","start":108.305,"end":108.805,"sentiment":"positive","sentiment_score":0.4393131732940674},{"text":"Yes.","start":119.35,"end":119.85,"sentiment":"neutral","sentiment_score":0.027699213474988937},{"text":"Yeah.","start":144.8,"end":145.28,"sentiment":"neutral","sentiment_score":0.05457441508769989}],"sentiment":"neutral","sentiment_score":0.05315287237883442,"num_words":72,"start":88.24,"end":145.28},{"sentences":[{"text":"Yep.","start":145.28,"end":145.78,"sentiment":"neutral","sentiment_score":0.06739325821399689},{"text":"First estimate of the market with those guys.","start":146.0,"end":148.58,"sentiment":"neutral","sentiment_score":0.11270954832434654},{"text":"And how it basically works, an SMA pretty much puts a bubble around the portfolio.","start":149.2,"end":155.06499,"sentiment":"neutral","sentiment_score":0.1534930482506752},{"text":"It allows us to move the portfolio onto one of Hub's lower fee menus.","start":156.56499,"end":160.985,"sentiment":"neutral","sentiment_score":0.1528742579477174},{"text":"Because normally, to get all these ETFs, you need to be in the choice menu.","start":161.28499,"end":163.92499,"sentiment":"neutral","sentiment_score":0.04154221192002296}],"sentiment":"neutral","sentiment_score":0.11386487091768463,"num_words":53,"start":145.28,"end":163.92499},{"sentences":[{"text":"It's a bit more expensive.","start":163.92499,"end":165.06499,"sentiment":"neutral","sentiment_score":-0.054851774126291275},{"text":"We can move it across into the cheaper menu, still have access to everything.","start":165.26,"end":169.28,"sentiment":"neutral","sentiment_score":0.0681005237357957},{"text":"And then through the year, if something changes with the market, maybe every quarter or so, they can actually switch fund managers out if we think we wanna go a different direction or if they're not doing so well.","start":169.42,"end":179.38501,"sentiment":"neutral","sentiment_score":-0.034483168178643935},{"text":"Now the only thing that it kind of does that kind of looks worse is because the SMA, it looks at what's happening right now in the world and what we're thinking is coming around the corner.","start":180.725,"end":190.265,"sentiment":"neutral","sentiment_score":-0.15613262768130046},{"text":"It looks a little bit worse in terms of past performance because your portfolio, it's got a bit of crypto in there.","start":190.645,"end":197.34,"sentiment":"neutral","sentiment_score":-0.20774465833197941}],"sentiment":"neutral","sentiment_score":-0.09412807525477858,"num_words":117,"start":163.92499,"end":197.34},{"sentences":[{"text":"It's got gold.","start":197.34,"end":198.06,"sentiment":"neutral","sentiment_score":0.11426858107248943},{"text":"It's got so many awesome options that the last five years have just knocked it out of the park.","start":198.06,"end":202.88,"sentiment":"positive","sentiment_score":0.4473902755662015},{"text":"Now I can put it into that kind of estimate structure, get things going a bit quicker, and then we can be on top of the market a lot easier.","start":204.38,"end":211.675,"sentiment":"positive","sentiment_score":0.36140771011511486},{"text":"It's just gonna look a little bit worse in terms of past performance because it is forward looking.","start":211.895,"end":215.995,"sentiment":"neutral","sentiment_score":-0.1520336222731405},{"text":"The only difference is, like, look, if we switch out that one option, I can do that, pull out the India and rebalance it kinda thing.","start":218.695,"end":225.5,"sentiment":"neutral","sentiment_score":-0.03966377589565057}],"sentiment":"neutral","sentiment_score":0.16580821779401353,"num_words":96,"start":197.34,"end":225.5},{"sentences":[{"text":"But then every year, if something else goes wrong, we're gonna have to have that same conversation and then wait a couple of weeks to do some updated documents just to switch it out.","start":225.5,"end":234.8,"sentiment":"neutral","sentiment_score":-0.004723108099663959},{"text":"K?","start":236.94,"end":237.26,"sentiment":"neutral","sentiment_score":0.1294032633304596},{"text":"So I wanna make sure I'll do that comparison for you, see if the fee savings and the performance is is comparable.","start":237.26,"end":242.985,"sentiment":"neutral","sentiment_score":0.27836689352989197},{"text":"If it's pretty close, I'll recommend it.","start":244.325,"end":246.645,"sentiment":"positive","sentiment_score":0.5141796852861132},{"text":"If it's, like, a huge 4% difference, I might not be able to because your portfolio is just that good.","start":246.645,"end":253.46,"sentiment":"neutral","sentiment_score":0.10855682995170354}],"sentiment":"neutral","sentiment_score":0.14122956716233775,"num_words":84,"start":225.5,"end":253.46},{"sentences":[{"text":"Cool?","start":253.46,"end":253.96,"sentiment":"positive","sentiment_score":0.42916470766067505},{"text":"The other thing too is just because you're in that aggressive risk profile, just making sure you're still comfortable for all of the super to be in, like, growth assets, share, property, gold, crypto, just getting as high return as possible.","start":254.58,"end":268.465,"sentiment":"neutral","sentiment_score":0.2035425563411015},{"text":"Long term?","start":272.36502,"end":273.265,"sentiment":"neutral","sentiment_score":0.13570808619260788},{"text":"Fantastic.","start":273.325,"end":273.825,"sentiment":"positive","sentiment_score":0.5321662425994873},{"text":"And what you're in the at the moment, you're kind of you're finishing off your last few years of growth.","start":273.965,"end":279.48,"sentiment":"neutral","sentiment_score":0.09625990018248558}],"sentiment":"neutral","sentiment_score":0.17697215286585,"num_words":65,"start":253.46,"end":279.48},{"sentences":[{"text":"Now time frame wise, are you we were kind of looking at, like, age 60.","start":280.52002,"end":285.80002,"sentiment":"neutral","sentiment_score":0.021881932641069093},{"text":"As soon as you hit 60, there's your preservation age.","start":285.80002,"end":288.04,"sentiment":"neutral","sentiment_score":0.060126033052802084},{"text":"You can access the super, retire as early as possible.","start":288.04,"end":290.84,"sentiment":"neutral","sentiment_score":0.11740190386772156},{"text":"Does that sound about right?","start":290.84,"end":291.885,"sentiment":"neutral","sentiment_score":0.05590689182281494},{"text":"So, really and this is not to sort of scare you anything, but in the next thirteen, fourteen years, you've got two market cycles ahead of you.","start":294.285,"end":301.405,"sentiment":"neutral","sentiment_score":-0.1517522782087326}],"sentiment":"neutral","sentiment_score":-0.025586099905976607,"num_words":67,"start":280.52002,"end":301.405},{"sentences":[{"text":"They're usually around seven years where the economy grows and the stock market goes up, and then a COVID happens and it crashes, and then it'll grow again and then it'll crash again.","start":301.405,"end":310.34,"sentiment":"neutral","sentiment_score":-0.15045895224267786},{"text":"Basically, you're sitting at 467,000 today.","start":312.0,"end":316.9,"sentiment":"neutral","sentiment_score":-0.12457095583279927},{"text":"If we grow up for the next seven years with all the contributions going in and all the growth, that's gonna become five, six, seven, eight, nine hundred thousand very quickly.","start":317.36,"end":326.65503,"sentiment":"positive","sentiment_score":0.3457351682647582},{"text":"And then for the last seven years, we've then got to reduce that risk level down and protect it once it's built.","start":327.195,"end":332.86,"sentiment":"neutral","sentiment_score":0.15995744548060678},{"text":"Now what that means is that could go down a $100 in six months, and then it'll go back up a $180 the next six months.","start":334.28,"end":342.54,"sentiment":"neutral","sentiment_score":0.2473881210272129}],"sentiment":"neutral","sentiment_score":0.12674893224138326,"num_words":118,"start":301.405,"end":342.54},{"sentences":[{"text":"It's probably the biggest roller coaster you could possibly go on to is having $500,000 in an aggressive portfolio.","start":342.6,"end":349.36502,"sentiment":"neutral","sentiment_score":0.23727533534953468},{"text":"K?","start":351.18503,"end":351.42502,"sentiment":"neutral","sentiment_score":0.09296610951423644},{"text":"So if you're comfortable with that, we go for gold for seven years, and then we start reducing you down from a 100% growth assets, ninety, eighty, seventy, sixty, fifty, forty, and then we transition you into a safe pension account when you hit 60.","start":351.42502,"end":364.16,"sentiment":"neutral","sentiment_score":0.18207766513029736},{"text":"Fantastic.","start":369.1,"end":369.6,"sentiment":"positive","sentiment_score":0.7058476209640503},{"text":"So we'll go for it for seven years, then we'll protect it and get you into a nice company retirement right on 60.","start":369.74002,"end":374.78,"sentiment":"positive","sentiment_score":0.5138387122879857}],"sentiment":"neutral","sentiment_score":0.28448124062479213,"num_words":89,"start":342.6,"end":374.78},{"sentences":[{"text":"That'll be no problem.","start":374.78,"end":375.92,"sentiment":"positive","sentiment_score":0.418779693543911},{"text":"And I'll do those comparisons and see if I can get it in a better similar position, but with the ability to mix things up a little lot quicker than usual.","start":376.505,"end":384.045,"sentiment":"neutral","sentiment_score":0.21107293340948322},{"text":"Yep.","start":385.465,"end":385.70502,"sentiment":"neutral","sentiment_score":-0.045208677649497986},{"text":"Just bear in mind that when I do the projections, it'll look a little bit worse.","start":385.70502,"end":388.845,"sentiment":"neutral","sentiment_score":-0.17485030135139823},{"text":"Cool.","start":390.025,"end":390.525,"sentiment":"neutral","sentiment_score":0.08839493989944458}],"sentiment":"neutral","sentiment_score":0.10309360661315468,"num_words":53,"start":374.78,"end":390.525},{"sentences":[{"text":"And just in terms of the insurance side of things, just having a quick check of a couple of things.","start":391.03,"end":394.97,"sentiment":"neutral","sentiment_score":0.022996794432401657},{"text":"You've got the sort of a share of a property that you've got a bit of a loan on.","start":395.59,"end":400.15,"sentiment":"neutral","sentiment_score":0.0209512268438151},{"text":"Is there another loan you're about to get?","start":400.15,"end":402.25,"sentiment":"neutral","sentiment_score":-0.012379703053738922},{"text":"So it's just that one at the moment?","start":404.55002,"end":405.975,"sentiment":"neutral","sentiment_score":-0.06678571971133351},{"text":"Moment?","start":412.775,"end":413.275,"sentiment":"neutral","sentiment_score":0.008014035411179066}],"sentiment":"neutral","sentiment_score":0.0041553544994842794,"num_words":56,"start":391.03,"end":413.275},{"sentences":[{"text":"Oh, yeah.","start":413.335,"end":413.815,"sentiment":"neutral","sentiment_score":0.027819519862532616},{"text":"Yeah.","start":413.815,"end":414.315,"sentiment":"neutral","sentiment_score":0.002341208280995488},{"text":"Okay.","start":424.54,"end":424.86,"sentiment":"neutral","sentiment_score":0.09367185831069946},{"text":"Yep.","start":424.86,"end":425.18,"sentiment":"neutral","sentiment_score":0.15703085064888},{"text":"I'm with you.","start":425.18,"end":426.08,"sentiment":"neutral","sentiment_score":0.23514869312445322}],"sentiment":"neutral","sentiment_score":0.12676612954237498,"num_words":8,"start":413.335,"end":426.08},{"sentences":[{"text":"Total debt's gonna be about $9.50, and your your share of it, I guess, is technically a third of that.","start":427.34,"end":433.035,"sentiment":"neutral","sentiment_score":0.01891834884881973},{"text":"Now are you trying to protect the whole debt, like, with your own life insurance kind of thing, the whole $9.50?","start":434.315,"end":440.73502,"sentiment":"neutral","sentiment_score":0.01498524569684551},{"text":"As well.","start":444.95502,"end":445.44,"sentiment":"neutral","sentiment_score":-0.13290250301361084},{"text":"Yep.","start":459.92,"end":460.42,"sentiment":"neutral","sentiment_score":0.06944456696510315},{"text":"Yep.","start":460.48,"end":460.88,"sentiment":"neutral","sentiment_score":0.07471978664398193}],"sentiment":"neutral","sentiment_score":0.012698144093155861,"num_words":45,"start":427.34,"end":460.88},{"sentences":[{"text":"Okay.","start":460.88,"end":461.38,"sentiment":"neutral","sentiment_score":0.0788695365190506},{"text":"So that minimizes the risk a little bit.","start":461.655,"end":466.05502,"sentiment":"neutral","sentiment_score":-0.022013359935954213},{"text":"K.","start":466.05502,"end":466.55502,"sentiment":"neutral","sentiment_score":-0.006632572039961815},{"text":"Yeah.","start":474.5,"end":474.82,"sentiment":"neutral","sentiment_score":-0.04826633259654045},{"text":"Because you've got $488,000 of life and TPD at the moment.","start":474.82,"end":478.74002,"sentiment":"neutral","sentiment_score":-0.06894031878222119}],"sentiment":"neutral","sentiment_score":-0.04138544337315993,"num_words":22,"start":460.88,"end":478.74002},{"sentences":[{"text":"So if you pass away or can never work again, that lump sum just shy of 0.5 a mil plus your super comes out, and combined, you're looking at just under a million dollars of super and insurance in that event.","start":478.74002,"end":490.97498,"sentiment":"neutral","sentiment_score":-0.09167554152266282},{"text":"So from my perspective, it looks like you're pretty well covered unless there's some sort of amount that you're looking for.","start":493.115,"end":499.455,"sentiment":"neutral","sentiment_score":0.04463962305869375},{"text":"Yeah.","start":506.53,"end":506.85,"sentiment":"neutral","sentiment_score":0.006998009979724884},{"text":"Yep.","start":506.85,"end":507.09,"sentiment":"neutral","sentiment_score":0.027730297297239304},{"text":"And actually, how much are you sort of thinking for that?","start":507.09,"end":510.15,"sentiment":"neutral","sentiment_score":-0.03377945348620415}],"sentiment":"neutral","sentiment_score":-0.04210814399023851,"num_words":75,"start":478.74002,"end":510.15},{"sentences":[{"text":"Of what what is your mind up to?","start":510.37,"end":512.31,"sentiment":"neutral","sentiment_score":-0.07795491442084312},{"text":"Yeah.","start":531.28,"end":531.60004,"sentiment":"neutral","sentiment_score":-0.02431274764239788},{"text":"Yeah.","start":531.60004,"end":531.84,"sentiment":"neutral","sentiment_score":-0.03319114074110985},{"text":"No.","start":531.84,"end":532.0,"sentiment":"neutral","sentiment_score":-0.17367848753929138},{"text":"Absolutely.","start":532.0,"end":532.5,"sentiment":"neutral","sentiment_score":-0.02002047747373581}],"sentiment":"neutral","sentiment_score":-0.07290351406360666,"num_words":12,"start":510.37,"end":532.5},{"sentences":[{"text":"At the moment, the the premiums are 123 a month, which is it's getting up there.","start":532.64,"end":536.88,"sentiment":"neutral","sentiment_score":-0.035880092065781355},{"text":"It's not expensive because it's still under $2, and you're getting close to 50.","start":536.88,"end":540.82,"sentiment":"neutral","sentiment_score":0.0985050659094538},{"text":"When you hit your fifties, it's gonna start creeping up to $4, $6, $7 kind of thing.","start":541.36,"end":547.815,"sentiment":"neutral","sentiment_score":-0.29180829051662893},{"text":"It'll start to eat into it in a few years' time.","start":548.27496,"end":550.935,"sentiment":"neutral","sentiment_score":-0.3264018635858189},{"text":"Now in terms of what the price will get to or or how much to get extra insurance?","start":553.475,"end":571.41003,"sentiment":"neutral","sentiment_score":-0.04825836130314403}],"sentiment":"neutral","sentiment_score":-0.11335292752636106,"num_words":76,"start":532.64,"end":571.41003},{"sentences":[{"text":"Well, I can definitely see I can do a little bit of projection.","start":578.945,"end":582.225,"sentiment":"neutral","sentiment_score":0.09534324419039947},{"text":"Let me have a quick look here.","start":582.225,"end":583.68,"sentiment":"neutral","sentiment_score":0.04430703765579632},{"text":"So we got $1.23.","start":583.68,"end":585.38,"sentiment":"neutral","sentiment_score":0.023972326889634132},{"text":"Yeah.","start":588.08,"end":588.48,"sentiment":"neutral","sentiment_score":0.024474740028381348},{"text":"When when you hit 50, it'll be over 2,000.","start":588.48,"end":591.06,"sentiment":"neutral","sentiment_score":-0.02503123362031248}],"sentiment":"neutral","sentiment_score":0.04249101126676097,"num_words":34,"start":578.945,"end":591.06},{"sentences":[{"text":"When you hit 55, it'll be about 4 or 5,000.","start":591.36,"end":594.0,"sentiment":"neutral","sentiment_score":-0.02737173257919494},{"text":"And when you hit 60, it'll be, like, 7,000.","start":594.0,"end":596.475,"sentiment":"neutral","sentiment_score":-0.04526863702469402},{"text":"Just the Yeah.","start":598.71497,"end":601.755,"sentiment":"neutral","sentiment_score":-0.11257521187265714},{"text":"Yep.","start":601.755,"end":602.07495,"sentiment":"neutral","sentiment_score":0.054687708616256714},{"text":"That just under 0.5 a mil of life and TPD insurance.","start":602.07495,"end":604.815,"sentiment":"neutral","sentiment_score":0.03131800178777088}],"sentiment":"neutral","sentiment_score":-0.01822573430442443,"num_words":34,"start":591.36,"end":604.815},{"sentences":[{"text":"Any increases on that, we're we're lumping on an extra couple of grand.","start":605.755,"end":609.57,"sentiment":"neutral","sentiment_score":-0.13481026200147775},{"text":"But I could I could get a little bit of life insurance, but the TPD, I don't think I can get your TPD this year, the disability.","start":609.89,"end":619.11,"sentiment":"neutral","sentiment_score":-0.09345568095644315},{"text":"The main one, not the total disability.","start":623.01,"end":624.87,"sentiment":"neutral","sentiment_score":-0.0484916695526668},{"text":"Okay.","start":627.085,"end":627.40497,"sentiment":"neutral","sentiment_score":-0.009611180983483791},{"text":"So we'll have to approach it in a couple of ways.","start":627.40497,"end":629.085,"sentiment":"neutral","sentiment_score":-0.0038886806842955675}],"sentiment":"neutral","sentiment_score":-0.07911296859699285,"num_words":59,"start":605.755,"end":629.085},{"sentences":[{"text":"Let me check a couple of things with you.","start":629.085,"end":630.605,"sentiment":"neutral","sentiment_score":0.007640387448999617},{"text":"So, obviously, Connor mentioned that occupation is probably a bit rough for insurance pricing just because of the the port work, the heights, the machinery.","start":630.605,"end":639.825,"sentiment":"neutral","sentiment_score":-0.039648512378335},{"text":"When it comes down to the equipment that breaks down and you repair, what's the kind of biggest and bulkiest type of equipment that you have to work with?","start":641.61,"end":650.58997,"sentiment":"neutral","sentiment_score":-0.047077480382446586},{"text":"Heat crane.","start":656.825,"end":657.385,"sentiment":"neutral","sentiment_score":-0.0032393308356404305},{"text":"And is that when you go up to the heights to sort of fix the top of the crane?","start":657.385,"end":661.325,"sentiment":"neutral","sentiment_score":-0.0034669218829980024}],"sentiment":"neutral","sentiment_score":-0.028095790844721098,"num_words":84,"start":629.085,"end":661.325},{"sentences":[{"text":"Yep.","start":674.12,"end":674.62,"sentiment":"neutral","sentiment_score":-0.005747406743466854},{"text":"Beautiful.","start":681.015,"end":681.515,"sentiment":"neutral","sentiment_score":0.30881357192993164},{"text":"Okay.","start":681.575,"end":682.05505,"sentiment":"neutral","sentiment_score":0.1847752332687378},{"text":"So that's rough for TPD insurance, but not so bad for life insurance.","start":682.05505,"end":686.455,"sentiment":"neutral","sentiment_score":0.003936402213114958},{"text":"That's okay.","start":686.455,"end":687.275,"sentiment":"neutral","sentiment_score":0.035261690616607666}],"sentiment":"neutral","sentiment_score":0.0338632226921618,"num_words":18,"start":674.12,"end":687.275},{"sentences":[{"text":"Age is one thing.","start":688.85504,"end":689.73505,"sentiment":"neutral","sentiment_score":-0.08122319262474775},{"text":"That's alright.","start":689.73505,"end":690.375,"sentiment":"neutral","sentiment_score":-0.055606916546821594},{"text":"Still under 50.","start":690.375,"end":691.515,"sentiment":"neutral","sentiment_score":-0.07234359408418338},{"text":"When it comes to health wise, let me just do a quick recap.","start":691.95,"end":695.49005,"sentiment":"neutral","sentiment_score":-0.010453117581514211},{"text":"We've got bronchitis in 2014 that got cleared out by antibiotics.","start":696.35004,"end":702.13,"sentiment":"neutral","sentiment_score":-0.0528740483251485}],"sentiment":"neutral","sentiment_score":-0.041534619575197045,"num_words":33,"start":688.85504,"end":702.13},{"sentences":[{"text":"We had the broken collarbones back in the nineties.","start":704.03,"end":707.01,"sentiment":"neutral","sentiment_score":-0.04710443400674396},{"text":"That all healed up.","start":707.055,"end":710.355,"sentiment":"neutral","sentiment_score":0.05184338241815567},{"text":"The only two things I need to check is in terms of BMI does have a huge play in pricing.","start":710.415,"end":718.115,"sentiment":"neutral","sentiment_score":-0.031016527116298674},{"text":"We had you about 32 for a little bit there.","start":718.735,"end":722.19,"sentiment":"neutral","sentiment_score":0.03233593925833702},{"text":"A 187, a 112 kegs.","start":722.75,"end":726.37,"sentiment":"neutral","sentiment_score":0.005780837032943964}],"sentiment":"neutral","sentiment_score":-0.010096527936790759,"num_words":48,"start":704.03,"end":726.37},{"sentences":[{"text":"What would you be sitting at the moment?","start":726.83,"end":728.45,"sentiment":"neutral","sentiment_score":0.002979681361466646},{"text":"Just in terms of kilos or pounds, whatever is easier for you.","start":733.31,"end":736.465,"sentiment":"neutral","sentiment_score":0.061819917211929955},{"text":"One twenty.","start":739.16504,"end":740.065,"sentiment":"neutral","sentiment_score":0.022306577302515507},{"text":"So when you hit thirty four, which that just press over, you start to get some loadings, which they might pump the price up by, like, 50%.","start":740.125,"end":748.10004,"sentiment":"neutral","sentiment_score":0.03844587159929452},{"text":"Maybe it's 35.","start":748.64,"end":749.68005,"sentiment":"neutral","sentiment_score":0.009093058295547962}],"sentiment":"neutral","sentiment_score":0.03606937154052922,"num_words":52,"start":726.83,"end":749.68005},{"sentences":[{"text":"So it's on the cusp there.","start":749.68005,"end":751.14,"sentiment":"neutral","sentiment_score":0.016016729020824034},{"text":"First, the occupation is not so bad for life insurance.","start":752.08,"end":754.58,"sentiment":"neutral","sentiment_score":0.06173638477921486},{"text":"Like you said, that's the important one.","start":754.64,"end":756.42004,"sentiment":"neutral","sentiment_score":0.05981612950563431},{"text":"We may have to wait till June of next year.","start":758.08,"end":762.075,"sentiment":"neutral","sentiment_score":-0.055066704750061035},{"text":"The only one I can see here that's a red flag is that we had a little bit of party drug usage in 2024, mid twenty twenty four.","start":762.155,"end":771.455,"sentiment":"neutral","sentiment_score":-0.2036969486091818}],"sentiment":"neutral","sentiment_score":-0.08396728655903554,"num_words":61,"start":749.68005,"end":771.455},{"sentences":[{"text":"They usually 2024 that you may have done a little bit of the the old party drugs, possibly cocaine.","start":771.91504,"end":778.85004,"sentiment":"neutral","sentiment_score":-0.08656712778304752},{"text":"Now when they when we've got that, it's usually three or five years that we can't touch it for.","start":779.39,"end":786.13,"sentiment":"neutral","sentiment_score":-0.10956937506010658},{"text":"So what I might have to do is I might have to just put a pin in that one until about, let's say, June, and then I can do a life insurance quote for you.","start":786.27,"end":797.20496,"sentiment":"neutral","sentiment_score":0.033952518073575834},{"text":"Is that okay?","start":798.70496,"end":799.605,"sentiment":"neutral","sentiment_score":0.17921790977319083},{"text":"Cool.","start":801.185,"end":801.425,"sentiment":"positive","sentiment_score":0.5309619307518005}],"sentiment":"neutral","sentiment_score":-0.019086230667187024,"num_words":77,"start":771.91504,"end":801.425},{"sentences":[{"text":"So what I'll do is I'll I'll deal with the portfolio now.","start":801.425,"end":804.065,"sentiment":"neutral","sentiment_score":0.20669835805892944},{"text":"I'll do those comparisons.","start":804.065,"end":805.20496,"sentiment":"neutral","sentiment_score":0.1840798445045948},{"text":"I'll get in a couple of weeks' time.","start":805.74,"end":807.26,"sentiment":"neutral","sentiment_score":0.15261930041015148},{"text":"We'll book you in.","start":807.26,"end":807.98,"sentiment":"neutral","sentiment_score":0.20587227120995522},{"text":"I'll show you the differences, make sure you're comfortable with that new structure, get the fees down, fix up the investments a little bit.","start":807.98,"end":814.39996,"sentiment":"neutral","sentiment_score":0.1917004563535253}],"sentiment":"neutral","sentiment_score":0.1896529637563687,"num_words":52,"start":801.425,"end":814.39996},{"sentences":[{"text":"At the very least, if I can't get you into that SMA, I'll switch out the India option for you and beneficial.","start":814.62,"end":825.315,"sentiment":"neutral","sentiment_score":0.05219841211907227},{"text":"Yeah.","start":830.815,"end":831.21497,"sentiment":"neutral","sentiment_score":-0.022852828726172447},{"text":"The only I guess sometimes when they go down, you go, oh, look.","start":831.21497,"end":834.85,"sentiment":"neutral","sentiment_score":-0.12487103503483993},{"text":"Let's just get rid of it.","start":834.85,"end":836.05,"sentiment":"neutral","sentiment_score":-0.16251558562119803},{"text":"Some of them is a bit more like long term, you know, as the manufacturing from China moves across to India.","start":836.05,"end":842.05,"sentiment":"neutral","sentiment_score":-0.08030224378619875}],"sentiment":"neutral","sentiment_score":-0.05014685477455339,"num_words":63,"start":814.62,"end":842.05},{"sentences":[{"text":"It's more like a five year thing.","start":842.05,"end":843.67,"sentiment":"neutral","sentiment_score":-0.10644767859152385},{"text":"So we're kind of looking at the long term.","start":844.76996,"end":846.61,"sentiment":"neutral","sentiment_score":-0.0452378276321623},{"text":"So I'll do a bit of a comparison for you.","start":846.61,"end":849.065,"sentiment":"neutral","sentiment_score":0.044325066916644576},{"text":"If you're not too set in stone on it, I'll just make sure I I don't put you anything any anything worse than what you've currently got because, like I was saying, this is performing so well.","start":849.065,"end":858.605,"sentiment":"neutral","sentiment_score":0.06455912732997456},{"text":"Five years, we're talking high double digits compared to the rest of the industry.","start":860.105,"end":863.5,"sentiment":"positive","sentiment_score":0.4497593513556889}],"sentiment":"neutral","sentiment_score":0.10358824805876651,"num_words":77,"start":842.05,"end":863.5},{"sentences":[{"text":"This is honestly one of the best portfolios I've seen in a very long time.","start":863.5,"end":867.60004,"sentiment":"positive","sentiment_score":0.7194341778755188},{"text":"And then I've put a note on file already that come, like, June, we'll do the review a little bit earlier.","start":870.78,"end":877.12,"sentiment":"neutral","sentiment_score":0.22297284574735732},{"text":"And if I can get you a bit of a quote for some life insurance as a top up, I can do that then as well.","start":877.585,"end":882.325,"sentiment":"neutral","sentiment_score":0.2034969094854135},{"text":"Awesome.","start":883.985,"end":884.465,"sentiment":"positive","sentiment_score":0.3869395256042481},{"text":"Mate, any questions for me at the moment?","start":884.465,"end":886.085,"sentiment":"neutral","sentiment_score":0.11059507727622986}],"sentiment":"neutral","sentiment_score":0.3103741157642553,"num_words":71,"start":863.5,"end":886.085},{"sentences":[{"text":"Sweet.","start":889.665,"end":889.985,"sentiment":"neutral","sentiment_score":0.1418723165988922},{"text":"So I'll do the research.","start":889.985,"end":891.64,"sentiment":"neutral","sentiment_score":0.13166170865297316},{"text":"I'm a bit booked out at the moment, but I'll get you booked in in a couple of weeks to run through the portfolio.","start":891.64,"end":895.82,"sentiment":"neutral","sentiment_score":0.09670301883791883},{"text":"We'll have a chat around June about the insurances and just a general review.","start":896.44,"end":901.02,"sentiment":"neutral","sentiment_score":0.13428188168576785},{"text":"And is there anything you feel like you might need around Christmas time, or are you okay just deal with the Super Now insurance next year?","start":901.4,"end":908.34503,"sentiment":"neutral","sentiment_score":0.08622419705184606}],"sentiment":"neutral","sentiment_score":0.10346898255603654,"num_words":70,"start":889.665,"end":908.34503},{"sentences":[{"text":"Perfect.","start":910.72504,"end":911.205,"sentiment":"positive","sentiment_score":0.38610196113586426},{"text":"Alright.","start":911.205,"end":911.525,"sentiment":"neutral","sentiment_score":0.1652909815311432},{"text":"Anything else for me before I let you go, mate?","start":911.525,"end":912.885,"sentiment":"neutral","sentiment_score":0.09751006364822387},{"text":"Awesome, mate.","start":912.885,"end":917.525,"sentiment":"neutral","sentiment_score":0.06684084981679916},{"text":"Appreciate it.","start":917.525,"end":918.325,"sentiment":"positive","sentiment_score":0.802092969417572}],"sentiment":"neutral","sentiment_score":0.2040225761011243,"num_words":16,"start":910.72504,"end":918.325},{"sentences":[{"text":"I will sort that out as soon as I can, and just keep an ear out for a call in a couple of weeks.","start":918.325,"end":923.02,"sentiment":"positive","sentiment_score":0.38266999274492264},{"text":"Have a great day, mate.","start":924.76,"end":925.8,"sentiment":"positive","sentiment_score":0.7790970087051392},{"text":"Cheers.","start":925.8,"end":926.3,"sentiment":"positive","sentiment_score":0.5755842924118042},{"text":"Bye.","start":928.2,"end":928.7,"sentiment":"neutral","sentiment_score":0.2761128544807434}],"sentiment":"positive","sentiment_score":0.44939554891278666,"num_words":31,"start":918.325,"end":928.7}]}}]},{"alternatives":[{"transcript":"Hello? You're good, Tommy. Yourself? Yeah. All good. All good. Good start. All good. Yep. First is 739. 2108 Elizabeth Avenue, Konta. What do you say? All good. All good. Yeah. Yeah. Let me see. Yep. Yep. Yep. Yeah. Yeah. Yeah. You soon. We did touch we did touch on something new that IP had gone into with, like, BlackRock just loosely with if that rings a bell. Something that something that that or, yeah, Some some sort of structure thing around BlackRock or something around yeah. Something like that. I can't exactly remember what myself and Connor spoke on, but or something on those things. But it's something to do with OPU being the first of or or the only, yeah. Well, only company linked with BlackRock in that way sort of thing, something like that. Yeah. Yep. Yep. Yep. Mhmm. Yep. Yep. Yep. Alright. Yeah. Yep. Yep. Yes, ma'am. Oh, yeah. That's a lot. Yep. Open. Right? Open. Yeah. Well, what do you reckon? What do you recommend, bud? Yeah. It's not what they're looking for. Yep. Yep. Yep. That's it. Yeah. I I I quite enjoy rollercoaster rides myself, but, you know, I'm on my mortgage. Yep. Yep. Yep. Okay. Yeah. No. Yeah. Just be just be that one that's about to start soon. It said probably settles on the seventh. The funny thing is it's it's it's it's a it's a yeah. It is a group thing, but it's not in my name. I'll be part of it. But because in order to get it and secure it and whatnot, we had to do it a bit different than, you know, normal. Yeah. Yeah. Yeah. I heard of that. Nah. No. Not really. I'm probably if if it came to we did it we did it in a way too so that if it does if it if it did break down in any way across the three parties, that one party would be able to sustain it. It wouldn't be sort of crazy stupid on at least one. It it was the breakdown effect. Yeah. But, no, not really not really looking to to try and secure the whole debt. Just just my portion type thing. Yep. Mhmm. Okay. No. No. No. I was just go I was just gonna looking at if I was to max that out, what would that look like? You know, as long as it wasn't eating into anything, I I didn't have really a set figure in in in my mind as as to what I expected of Max to be. I was just like, yeah. Well, actually, if I maxed my insurance out, what would the cost be and would it be possible and would it be viable as to not to eat into the overall balance as it was growing sort of thing? Yep. Yep. And are you able to give us a a a a number? Are you able to give us a what it would be like if or or, like, whatever whatever metrics that it it uses in terms of my age and whatnot to to tell me what would be, could be. Yeah. How much we get it? How much or how much the cost and what I would get in in terms of the payouts and whatnot. Is that just the normal? Is that just an old based on what I'm what I'm currently at at the minute? Yep. Yep. Life insurance. Life life insurance is probably the the the main one. Yeah. Yeah. Nah. Yep. Yep. Yep. Oh, it would be the biggest would be the key crane. Yeah. Yeah. That's that's when we well, the majority of the majority of the work that we do is is all on the ground. It's like, you know, with the with the mobile units or the lifting equipment that's used, it's all pretty much at a ground level until one of those key cranes is air breaks down and then then we have to reach those heights and get up to those heights. Yep. Yep. Yeah. About one one eight seven or in BMI. Yeah. About one twenty one twenty. Yep. Yep. What was that again, sir? Oh, yep. Yep. Yep. Yep. Yep. Alright. Yep. Alright. So it is. Yeah. It's all good. Yep. Yep. Oh, it's that's that's funny. If you feel that it's it's outgoing, it's good to look if you could if you're breaking it, it could bounce back or it could come good or whatever or good. Yeah. Yep. Yes. It is. She is. Yep. It sounds good. No. Not Uber, brother. Uber. Yep. Yep. Yes. We do. Not over. But over. See you then. Thanks for me. Cheers, brother. Thank you. Same to you. 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You're good, Tommy. Yourself? Yeah. All good.\n\nAll good. Good start. All good. Yep. First is 739.\n\n2108 Elizabeth Avenue, Konta. What do you say? All good. All good. Yeah.\n\nYeah. Let me see. Yep. Yep. Yep.\n\nYeah. Yeah. Yeah. You soon. We did touch we did touch on something new that IP had gone into with, like, BlackRock just loosely with if that rings a bell.\n\nSomething that something that that or, yeah, Some some sort of structure thing around BlackRock or something around yeah. Something like that. I can't exactly remember what myself and Connor spoke on, but or something on those things. But it's something to do with OPU being the first of or or the only, yeah. Well, only company linked with BlackRock in that way sort of thing, something like that.\n\nYeah. Yep. Yep. Yep. Mhmm.\n\nYep. Yep. Yep. Alright. Yeah.\n\nYep. Yep. Yes, ma'am. Oh, yeah. That's a lot.\n\nYep. Open. Right? Open. Yeah.\n\nWell, what do you reckon? What do you recommend, bud? Yeah. It's not what they're looking for. Yep.\n\nYep. Yep. That's it. Yeah. I I I quite enjoy rollercoaster rides myself, but, you know, I'm on my mortgage.\n\nYep. Yep. Yep. Okay. Yeah.\n\nNo. Yeah. Just be just be that one that's about to start soon. It said probably settles on the seventh. The funny thing is it's it's it's it's a it's a yeah.\n\nIt is a group thing, but it's not in my name. I'll be part of it. But because in order to get it and secure it and whatnot, we had to do it a bit different than, you know, normal. Yeah. Yeah.\n\nYeah. I heard of that. Nah. No. Not really.\n\nI'm probably if if it came to we did it we did it in a way too so that if it does if it if it did break down in any way across the three parties, that one party would be able to sustain it. It wouldn't be sort of crazy stupid on at least one. It it was the breakdown effect. Yeah. But, no, not really not really looking to to try and secure the whole debt.\n\nJust just my portion type thing. Yep. Mhmm. Okay. No.\n\nNo. No. I was just go I was just gonna looking at if I was to max that out, what would that look like? You know, as long as it wasn't eating into anything, I I didn't have really a set figure in in in my mind as as to what I expected of Max to be. I was just like, yeah.\n\nWell, actually, if I maxed my insurance out, what would the cost be and would it be possible and would it be viable as to not to eat into the overall balance as it was growing sort of thing? Yep. Yep. And are you able to give us a a a a number? Are you able to give us a what it would be like if or or, like, whatever whatever metrics that it it uses in terms of my age and whatnot to to tell me what would be, could be.\n\nYeah. How much we get it? How much or how much the cost and what I would get in in terms of the payouts and whatnot. Is that just the normal? Is that just an old based on what I'm what I'm currently at at the minute?\n\nYep. Yep. Life insurance. Life life insurance is probably the the the main one. Yeah.\n\nYeah. Nah. Yep. Yep. Yep.\n\nOh, it would be the biggest would be the key crane. Yeah. Yeah. That's that's when we well, the majority of the majority of the work that we do is is all on the ground. It's like, you know, with the with the mobile units or the lifting equipment that's used, it's all pretty much at a ground level until one of those key cranes is air breaks down and then then we have to reach those heights and get up to those heights.\n\nYep. Yep. Yeah. About one one eight seven or in BMI. Yeah.\n\nAbout one twenty one twenty. Yep. Yep. What was that again, sir? Oh, yep.\n\nYep. Yep. Yep. Yep. Alright.\n\nYep. Alright. So it is. Yeah. It's all good.\n\nYep. Yep. Oh, it's that's that's funny. If you feel that it's it's outgoing, it's good to look if you could if you're breaking it, it could bounce back or it could come good or whatever or good. Yeah.\n\nYep. Yes. It is. She is. Yep.\n\nIt sounds good. No. Not Uber, brother. Uber. Yep.\n\nYep. Yes. We do. Not over. But over.\n\nSee you then. Thanks for me. Cheers, brother. Thank you. Same to you.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.92,"end":2.42,"sentiment":"neutral","sentiment_score":0.03467106819152832},{"text":"You're good, Tommy.","start":7.44,"end":8.16,"sentiment":"positive","sentiment_score":0.5532433787981669},{"text":"Yourself?","start":8.16,"end":8.66,"sentiment":"positive","sentiment_score":0.4621048867702484},{"text":"Yeah.","start":12.16,"end":12.559999,"sentiment":"neutral","sentiment_score":0.3002316355705261},{"text":"All good.","start":12.559999,"end":12.96,"sentiment":"positive","sentiment_score":0.4853467643260956}],"sentiment":"positive","sentiment_score":0.42842890694737434,"num_words":8,"start":1.92,"end":12.96},{"sentences":[{"text":"All good.","start":12.96,"end":13.7,"sentiment":"positive","sentiment_score":0.5160580277442932},{"text":"Good start.","start":13.84,"end":14.565,"sentiment":"positive","sentiment_score":0.6116487979888916},{"text":"All 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Tommy here from Oakview Financial, senior adviser, mate. How are you doing?\n\nChannel 1: You're good, Tommy. Yourself?\n\nChannel 0: Living the dream. It's a beautiful week so far. What about yours?\n\nChannel 1: Yeah. All good. All good. Good start.\n\nChannel 0: Good to hear, mate. Mate, I've got a bit of funds for you today. Just had a conversation with Connor and going through your file. Couple of things we were looking at for you this year. So I might just do a quick security check with you and then dive in if that's alright.\n\nChannel 1: All good. Yep.\n\nChannel 0: Beautiful. So I registered with Asic as adviser one 273105. Could I just confirm your date of birth and address, ma'am?\n\nChannel 1: First is 739. 2108 Elizabeth Avenue, Konta. What do you say?\n\nChannel 0: Ssensational. And are you okay for the call to be recorded?\n\nChannel 1: All good. All good.\n\nChannel 0: Perfect. So two main things to look at at the moment is we're looking at maybe updating the portfolio on the super and also the insurance side of things. You've got some upcoming loans, and we're looking at maybe increasing the insurances. Does that sound about right?\n\nChannel 1: Yeah. Yeah. Let me see.\n\nChannel 0: Beautiful. Beautiful. So couple of quick things I wanted to look at here is I've been going through your portfolio. Really fantastic aggressive portfolio that Veronica put together for you. I could see there that there was the the India option had dropped a little bit, but\n\nChannel 1: Yep.\n\nChannel 0: outside of that, everything's had some insane double digit returns there, so that's looking really good. Now when it comes to options for what to do there, I know you probably would have already talked to Connor about a couple of things in terms of switching an option out or maybe adding it into a new structure, like an SMA, where we can move things around throughout the year, sort of\n\nChannel 1: Yep.\n\nChannel 0: keep on\n\nChannel 1: Yep.\n\nChannel 0: top of it a little bit quicker. Does that ring a bell?\n\nChannel 1: Yeah. Yeah. Yeah. You soon. We\n\nChannel 0: Cool.\n\nChannel 1: did touch we did touch on something new that IP had gone into with, like, BlackRock just loosely with if that rings a bell. Something\n\nChannel 0: Yes.\n\nChannel 1: that something that that or, yeah, Some some sort of structure thing around BlackRock or something around yeah. Something like that. I can't exactly remember what myself and Connor spoke on, but or something on those things. But it's something to do with OPU being the first of or or the only, yeah. Well, only company linked with BlackRock in that way sort of thing, something like that.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: First estimate of the market with those guys. And how it basically works, an SMA pretty much puts a bubble around the portfolio. It allows us to move the portfolio onto one of Hub's lower fee menus. Because normally, to get all these ETFs,\n\nChannel 1: Yep.\n\nChannel 0: you need to be in the choice menu. It's a bit more expensive. We can\n\nChannel 1: Yep.\n\nChannel 0: move it across into the cheaper menu, still have access to everything. And then through the year, if something changes with the market, maybe every quarter or so, they can actually switch fund managers out if we think we wanna go a different direction or if they're not doing so well.\n\nChannel 1: Mhmm.\n\nChannel 0: Now the only thing that it kind of does that kind of looks worse is because the SMA, it looks at what's happening right now in the world and what\n\nChannel 1: Yep.\n\nChannel 0: we're thinking is coming around the corner. It looks a little bit worse in terms of past performance because your portfolio, it's got a bit of crypto in there. It's got gold. It's got so many awesome options that the last five years have just knocked it out of the park.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Now I can put it into that kind of estimate structure, get things going a bit quicker, and then we can be on top of the market a lot easier. It's just gonna look a little bit worse in terms of past performance because it is forward looking.\n\nChannel 1: Alright. Yeah. Yep. Yep.\n\nChannel 0: The only difference is, like, look, if we switch out that one option, I can do that, pull out the India and rebalance it kinda thing. But then every year, if something else goes wrong, we're gonna have to have that same conversation and\n\nChannel 1: Yes,\n\nChannel 0: then wait a couple of weeks to do some updated documents just to switch it out.\n\nChannel 1: ma'am. Oh, yeah. That's a lot.\n\nChannel 0: K? So I wanna make sure I'll do that comparison for you, see if the fee savings and the performance is is comparable.\n\nChannel 1: Yep.\n\nChannel 0: If it's pretty close, I'll recommend it. If it's, like, a huge 4% difference, I might not be able to because your portfolio is just that\n\nChannel 1: Open. Right? Open.\n\nChannel 0: good. Cool? The other thing too is just because you're in that aggressive risk profile, just making sure you're still comfortable for all of the super to be in, like, growth assets, share, property, gold, crypto, just getting as high return as possible.\n\nChannel 1: Yeah. Well, what do you reckon? What do you recommend, bud?\n\nChannel 0: Long term? Fantastic. And what you're in the at the moment, you're kind of you're finishing off your last few years of growth. Now time frame wise, are you we were kind of looking at, like, age 60. As soon as you hit 60, there's your preservation age.\n\nYou can access the super, retire as early as possible. Does that sound about right?\n\nChannel 1: Yeah. It's not what they're looking for. Yep.\n\nChannel 0: So, really and this is not to sort of scare you anything, but in the next thirteen, fourteen years, you've got two market cycles ahead of you. They're usually around seven years where the economy grows and the stock market goes up, and then a COVID happens and it crashes, and\n\nChannel 1: Yep.\n\nChannel 0: then it'll grow again and then it'll crash again. Basically, you're sitting at 467,000 today. If we grow up for the next seven years with all the contributions going in and all the growth, that's gonna become five, six, seven, eight, nine hundred thousand very quickly. And then for the last seven years, we've then got to reduce that risk level down and protect it once it's built. Now what that means is that could go down a $100 in six months, and then it'll go back up a $180 the next six months.\n\nChannel 1: Yep.\n\nChannel 0: It's probably the biggest roller coaster you could possibly go on to is having $500,000 in an aggressive portfolio.\n\nChannel 1: That's it.\n\nChannel 0: K? So if you're comfortable with that, we go for gold for seven years, and then we start reducing you down from a 100% growth assets, ninety, eighty, seventy, sixty, fifty, forty, and then we transition you into a safe pension account when you hit 60.\n\nChannel 1: Yeah. I I I quite enjoy rollercoaster rides myself, but, you know, I'm on my mortgage.\n\nChannel 0: Fantastic. So we'll go for it for seven years, then we'll protect it and get you into a nice company retirement right on 60. That'll be no problem. And I'll do those comparisons and see if I can get it in a better similar position, but with the ability to mix things up a little lot quicker\n\nChannel 1: Yep.\n\nChannel 0: than usual.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Just bear in mind that when I do the projections, it'll look a little bit worse.\n\nChannel 1: Okay.\n\nChannel 0: Cool. And just in terms of the insurance side of things, just having a quick check of a couple of things. You've got the sort of a share of a property that you've got a bit of a loan on.\n\nChannel 1: Yeah.\n\nChannel 0: Is there another loan you're about to get?\n\nChannel 1: No.\n\nChannel 0: So it's just that one at the moment?\n\nChannel 1: Yeah. Just be just be that one that's about to start soon. It said probably settles on the seventh.\n\nChannel 0: Moment?\n\nChannel 1: The funny thing is\n\nChannel 0: Oh, yeah.\n\nChannel 1: it's\n\nChannel 0: Yeah.\n\nChannel 1: it's it's it's a it's a yeah. It is a group thing, but it's not in my name. I'll be part of it. But because in order to get it and secure it and whatnot, we had to do it a bit different than, you know, normal.\n\nChannel 0: Okay. Yep. I'm with you.\n\nChannel 1: Yeah.\n\nChannel 0: Total debt's gonna be about $9.50, and\n\nChannel 1: Yeah.\n\nChannel 0: your your share of it, I guess, is technically a third of that.\n\nChannel 1: Yeah. I heard of that.\n\nChannel 0: Now are you trying to protect the whole debt, like, with your own life insurance kind of thing, the whole $9.50?\n\nChannel 1: Nah. No. Not really. I'm probably\n\nChannel 0: As\n\nChannel 1: if\n\nChannel 0: well.\n\nChannel 1: if it came to we did it we did it in a way too so that if it does if it if it did break down in any way across the three parties, that one party would be able to sustain it. It wouldn't be sort of crazy stupid on at least one.\n\nChannel 0: Yep. Yep. Okay.\n\nChannel 1: It it was\n\nChannel 0: So\n\nChannel 1: the\n\nChannel 0: that\n\nChannel 1: breakdown\n\nChannel 0: minimizes\n\nChannel 1: effect.\n\nChannel 0: the risk a little\n\nChannel 1: Yeah.\n\nChannel 0: bit. K.\n\nChannel 1: But, no, not really not really looking to to try and secure the whole debt. Just just my portion type thing.\n\nChannel 0: Yeah. Because you've got $488,000 of life and TPD at the moment. So if you pass away or can never work again, that lump sum just shy of 0.5 a mil plus your\n\nChannel 1: Yep.\n\nChannel 0: super comes out, and\n\nChannel 1: Mhmm.\n\nChannel 0: combined, you're looking at just under a million dollars of super and insurance in that event. So from my perspective, it looks like you're pretty well covered unless there's some sort of amount that you're looking for.\n\nChannel 1: Okay. No. No. No. I was just go I was just gonna looking at if I was to max that out, what would that look like?\n\nChannel 0: Yeah. Yep. And actually, how much are you sort of thinking for that? Of what what is your mind up to?\n\nChannel 1: You know, as long as it wasn't eating into anything, I I didn't have really a set figure in in in my mind as as to what I expected of Max to be. I was just like, yeah. Well, actually, if I maxed my insurance out, what would the cost be and would it be possible and would it be viable as to not to eat into the overall balance as it was growing sort of thing?\n\nChannel 0: Yeah. Yeah. No. Absolutely. At the moment, the the premiums are 123 a month, which is it's getting up there.\n\nIt's not expensive because it's still under $2, and you're getting close to 50.\n\nChannel 1: Yep.\n\nChannel 0: When you hit your fifties, it's gonna start creeping up to $4, $6, $7 kind of thing.\n\nChannel 1: Yep.\n\nChannel 0: It'll start to eat into it in a few years' time. Now\n\nChannel 1: And are you able to give us a a a a number? Are you able to give us a what it would be like if or or, like, whatever whatever metrics that it it uses in terms of my age and whatnot to to tell me what would be, could be.\n\nChannel 0: in terms of what the price will get to or or how much to get extra insurance?\n\nChannel 1: Yeah. How much we get it? How much or how much the cost and what I would get in in terms of the payouts and\n\nChannel 0: Well,\n\nChannel 1: whatnot.\n\nChannel 0: I can definitely see I can do a little bit of projection. Let me have a quick look here. So we got $1.23. Yeah. When when you hit 50, it'll be over 2,000.\n\nWhen you hit 55, it'll be about 4 or 5,000. And when you hit 60, it'll be, like, 7,000.\n\nChannel 1: Is that just the normal? Is that just an old based\n\nChannel 0: Just\n\nChannel 1: on what I'm what\n\nChannel 0: the\n\nChannel 1: I'm currently at at the minute?\n\nChannel 0: Yeah. Yep. That just under 0.5 a mil of life and TPD insurance.\n\nChannel 1: Yep.\n\nChannel 0: Any increases on that, we're we're lumping on an extra couple of grand.\n\nChannel 1: Yep.\n\nChannel 0: But I could I could get a little bit of life insurance, but the TPD, I don't think I can get your TPD this year,\n\nChannel 1: Life\n\nChannel 0: the\n\nChannel 1: insurance.\n\nChannel 0: disability.\n\nChannel 1: Life life insurance is probably the the the main one.\n\nChannel 0: The main\n\nChannel 1: Yeah.\n\nChannel 0: one, not the total\n\nChannel 1: Yeah.\n\nChannel 0: disability.\n\nChannel 1: Nah.\n\nChannel 0: Okay. So we'll have to approach it in a couple of ways. Let me check a couple of things with you. So, obviously, Connor mentioned that occupation is probably a bit rough for insurance pricing\n\nChannel 1: Yep.\n\nChannel 0: just\n\nChannel 1: Yep.\n\nChannel 0: because of the the port work, the heights, the machinery.\n\nChannel 1: Yep.\n\nChannel 0: When it comes down to the equipment that breaks down and you repair, what's the kind of biggest and bulkiest type of equipment that you have to work with?\n\nChannel 1: Oh, it would be the biggest would be the key crane.\n\nChannel 0: Heat crane. And is that when you go up to the heights\n\nChannel 1: Yeah.\n\nChannel 0: to sort\n\nChannel 1: Yeah.\n\nChannel 0: of fix\n\nChannel 1: That's\n\nChannel 0: the\n\nChannel 1: that's\n\nChannel 0: top\n\nChannel 1: when\n\nChannel 0: of the\n\nChannel 1: we\n\nChannel 0: crane?\n\nChannel 1: well, the majority of the majority of the work that we do is is all on the ground. It's like, you know, with the with the mobile units or the lifting equipment that's used, it's all pretty much at a ground level until\n\nChannel 0: Yep.\n\nChannel 1: one of those key cranes is air breaks down and then then we have to reach those heights and get up to those heights.\n\nChannel 0: Beautiful. Okay. So that's rough for TPD insurance, but not so bad for life insurance. That's okay. Age is one thing.\n\nThat's alright. Still under 50. When it comes to health wise, let me just do a quick recap. We've got bronchitis in 2014 that got cleared out by antibiotics.\n\nChannel 1: Yep.\n\nChannel 0: We had the broken collarbones back in the nineties. That all healed up. The only two things I need to check is in terms of BMI does have a huge play in pricing. We\n\nChannel 1: Yep.\n\nChannel 0: had you about 32 for a little bit there. A 187, a 112 kegs. What would you be sitting at the moment?\n\nChannel 1: Yeah. About one one eight seven or in BMI.\n\nChannel 0: Just in terms of kilos or pounds, whatever is easier for you.\n\nChannel 1: Yeah. About one twenty one twenty.\n\nChannel 0: One twenty. So when you hit thirty four, which that just press over, you start to get some loadings,\n\nChannel 1: Yep.\n\nChannel 0: which they might pump the price up by, like, 50%. Maybe it's 35. So it's on the cusp there. First, the occupation is not so bad for life insurance. Like you said, that's the important one.\n\nChannel 1: Yep.\n\nChannel 0: We may have to wait till June of next year. The only one I can see here that's a red flag is that we had a little bit of party drug usage in 2024, mid twenty twenty four.\n\nChannel 1: What\n\nChannel 0: They\n\nChannel 1: was that\n\nChannel 0: usually\n\nChannel 1: again, sir?\n\nChannel 0: 2024 that you may have done a little bit of the the old party drugs,\n\nChannel 1: Oh, yep.\n\nChannel 0: possibly\n\nChannel 1: Yep. Yep.\n\nChannel 0: cocaine.\n\nChannel 1: Yep.\n\nChannel 0: Now when they when we've got that, it's usually three or five years that\n\nChannel 1: Yep.\n\nChannel 0: we can't touch it for. So\n\nChannel 1: Alright.\n\nChannel 0: what I might have to do is I might have to just put a pin in that one until about, let's say, June, and then I can do a life insurance quote for you.\n\nChannel 1: Yep. Alright. So it is.\n\nChannel 0: Is that okay?\n\nChannel 1: Yeah. It's all good.\n\nChannel 0: Cool. So what I'll do is I'll I'll deal with the portfolio now. I'll do those comparisons. I'll get in a couple of weeks' time. We'll book you in.\n\nI'll show you the differences, make sure you're comfortable with that new structure,\n\nChannel 1: Yep.\n\nChannel 0: get the\n\nChannel 1: Yep.\n\nChannel 0: fees down, fix up the investments a little bit. At the very least, if I can't get you into that SMA, I'll switch out the India option for you\n\nChannel 1: Oh, it's that's that's\n\nChannel 0: and\n\nChannel 1: funny. If you feel that it's it's outgoing,\n\nChannel 0: beneficial.\n\nChannel 1: it's good to look if you could if you're breaking it, it could bounce back or it could come good or whatever or good.\n\nChannel 0: Yeah. The only I guess sometimes when they go down, you go, oh, look. Let's just get rid of it. Some\n\nChannel 1: Yeah.\n\nChannel 0: of them is a bit more like long term, you know, as the manufacturing from China moves across to India. It's more like a five year thing. So we're kind of looking at the long term. So I'll do a bit of a comparison for you. If you're not too set in stone on it, I'll just make sure I I don't put you anything any anything worse than what you've currently got\n\nChannel 1: Yep.\n\nChannel 0: because,\n\nChannel 1: Yes. It is.\n\nChannel 0: like I was saying, this is performing so well. Five years, we're talking high double digits compared to the rest of the industry. This is honestly one of the best portfolios I've seen in a very long time.\n\nChannel 1: She is.\n\nChannel 0: And then I've put a note on file already that come, like, June, we'll do the review a little bit earlier. And if I can get you a bit of a quote for some life insurance as a top up, I\n\nChannel 1: Yep.\n\nChannel 0: can do that then as well.\n\nChannel 1: It sounds good.\n\nChannel 0: Awesome. Mate, any questions for me at the moment?\n\nChannel 1: No. Not Uber, brother. Uber.\n\nChannel 0: Sweet. So I'll do the research. I'm a bit booked out at the moment, but I'll get you booked in in a couple of weeks to run through the portfolio. We'll\n\nChannel 1: Yep.\n\nChannel 0: have a chat around June about the insurances and just a general review.\n\nChannel 1: Yep.\n\nChannel 0: And is there anything you feel like you might need around Christmas time, or are you okay just deal with the Super Now insurance next year?\n\nChannel 1: Yes. We do.\n\nChannel 0: Perfect. Alright. Anything else for me before I let you go, mate? Awesome,\n\nChannel 1: Not over. But over.\n\nChannel 0: mate. Appreciate it. I will sort that out as soon as I can, and just keep an ear out for a call in a couple of weeks.\n\nChannel 1: See you then. Thanks for\n\nChannel 0: Have a great day, mate. Cheers.\n\nChannel 1: me. Cheers, brother. Thank you. Same to you.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.92,"end":2.42,"sentiment":"neutral","sentiment_score":0.03467106819152832}],"sentiment":"neutral","sentiment_score":0.03467106819152832,"channel":1,"num_words":1,"start":1.92,"end":2.42},{"sentences":[{"text":"Good day, Matthew.","start":3.4399998,"end":4.24,"sentiment":"neutral","sentiment_score":0.24167675276597342},{"text":"Tommy here from Oakview Financial, senior adviser, mate.","start":4.24,"end":6.64,"sentiment":"neutral","sentiment_score":0.14478417206555605},{"text":"How are you doing?","start":6.64,"end":7.54,"sentiment":"neutral","sentiment_score":0.18158534169197083}],"sentiment":"neutral","sentiment_score":0.17397633343935012,"channel":0,"num_words":15,"start":3.4399998,"end":7.54},{"sentences":[{"text":"You're good, Tommy.","start":7.44,"end":8.16,"sentiment":"positive","sentiment_score":0.5532433787981669},{"text":"Yourself?","start":8.16,"end":8.66,"sentiment":"positive","sentiment_score":0.4621048867702484}],"sentiment":"positive","sentiment_score":0.5304587557911873,"channel":1,"num_words":4,"start":7.44,"end":8.66},{"sentences":[{"text":"Living the dream.","start":9.12,"end":9.76,"sentiment":"positive","sentiment_score":0.6344780921936035},{"text":"It's a beautiful week so far.","start":9.76,"end":11.12,"sentiment":"positive","sentiment_score":0.7031267384688059},{"text":"What about yours?","start":11.12,"end":12.0199995,"sentiment":"neutral","sentiment_score":0.26531316836675006}],"sentiment":"positive","sentiment_score":0.5765111843744913,"channel":0,"num_words":12,"start":9.12,"end":12.0199995},{"sentences":[{"text":"Yeah.","start":12.16,"end":12.559999,"sentiment":"neutral","sentiment_score":0.3002316355705261},{"text":"All good.","start":12.559999,"end":12.96,"sentiment":"positive","sentiment_score":0.4853467643260956},{"text":"All good.","start":12.96,"end":13.7,"sentiment":"positive","sentiment_score":0.5160580277442932},{"text":"Good start.","start":13.84,"end":14.565,"sentiment":"positive","sentiment_score":0.6116487979888916}],"sentiment":"positive","sentiment_score":0.5037626879555839,"channel":1,"num_words":7,"start":12.16,"end":14.565},{"sentences":[{"text":"Good to hear, mate.","start":14.08,"end":15.105,"sentiment":"positive","sentiment_score":0.38289039582014084},{"text":"Mate, I've got a bit of funds for you today.","start":15.745,"end":17.585,"sentiment":"neutral","sentiment_score":0.18123602718114853},{"text":"Just had a conversation with Connor and going through your file.","start":17.585,"end":20.645,"sentiment":"neutral","sentiment_score":0.12750728021968494},{"text":"Couple of things we were looking at for you this year.","start":21.025,"end":23.345,"sentiment":"neutral","sentiment_score":0.1244291520931504},{"text":"So I might just do a quick security check with you and then dive in if that's alright.","start":23.345,"end":27.765,"sentiment":"neutral","sentiment_score":0.08800957517491446}],"sentiment":"neutral","sentiment_score":0.14258138821632774,"channel":0,"num_words":54,"start":14.08,"end":27.765},{"sentences":[{"text":"All good.","start":28.005,"end":28.664999,"sentiment":"neutral","sentiment_score":0.27223050594329834},{"text":"Yep.","start":29.16,"end":29.66,"sentiment":"neutral","sentiment_score":0.19659261405467987}],"sentiment":"neutral","sentiment_score":0.24701787531375885,"channel":1,"num_words":3,"start":28.005,"end":29.66},{"sentences":[{"text":"Beautiful.","start":29.185,"end":29.685,"sentiment":"positive","sentiment_score":0.35940760374069214},{"text":"So I registered with Asic as adviser one 273105.","start":30.31,"end":34.15,"sentiment":"neutral","sentiment_score":0.07704443898465899},{"text":"Could I just confirm your date of birth and address, ma'am?","start":34.15,"end":37.21,"sentiment":"neutral","sentiment_score":0.049138080667365684}],"sentiment":"neutral","sentiment_score":0.07587268771160216,"channel":0,"num_words":21,"start":29.185,"end":37.21},{"sentences":[{"text":"First is 739.","start":37.559998,"end":39.18,"sentiment":"neutral","sentiment_score":0.013933885842561722},{"text":"2108 Elizabeth Avenue, Konta.","start":39.48,"end":41.66,"sentiment":"neutral","sentiment_score":0.02186509734019637},{"text":"What do you say?","start":41.72,"end":42.555,"sentiment":"neutral","sentiment_score":0.022156500723212957}],"sentiment":"neutral","sentiment_score":0.019808004525574772,"channel":1,"num_words":11,"start":37.559998,"end":42.555},{"sentences":[{"text":"Ssensational.","start":42.925,"end":43.245,"sentiment":"neutral","sentiment_score":0.05773054808378219},{"text":"And are you okay for the call to be recorded?","start":43.245,"end":45.024998,"sentiment":"neutral","sentiment_score":0.029405645094811916}],"sentiment":"neutral","sentiment_score":0.031980636275627396,"channel":0,"num_words":11,"start":42.925,"end":45.024998},{"sentences":[{"text":"All good.","start":45.515,"end":45.995,"sentiment":"neutral","sentiment_score":0.2136474847793579},{"text":"All good.","start":45.995,"end":46.735,"sentiment":"neutral","sentiment_score":0.28915153443813324}],"sentiment":"neutral","sentiment_score":0.2513995096087456,"channel":1,"num_words":4,"start":45.515,"end":46.735},{"sentences":[{"text":"Perfect.","start":47.004997,"end":47.504997,"sentiment":"positive","sentiment_score":0.3672252297401428},{"text":"So two main things to look at at the moment is we're looking at maybe updating the portfolio on the super and also the insurance side of things.","start":47.565,"end":56.125,"sentiment":"neutral","sentiment_score":0.04744799940713814},{"text":"You've got some upcoming loans, and we're looking at maybe increasing the insurances.","start":56.125,"end":60.12,"sentiment":"neutral","sentiment_score":0.01703439738888007},{"text":"Does that sound about right?","start":60.18,"end":61.48,"sentiment":"neutral","sentiment_score":0.019244189932942392}],"sentiment":"neutral","sentiment_score":0.042839092103407736,"channel":0,"num_words":47,"start":47.004997,"end":61.48},{"sentences":[{"text":"Yeah.","start":61.53,"end":61.85,"sentiment":"neutral","sentiment_score":0.02830866351723671},{"text":"Yeah.","start":61.85,"end":62.089996,"sentiment":"neutral","sentiment_score":0.03582919389009476},{"text":"Let me see.","start":62.089996,"end":62.989998,"sentiment":"neutral","sentiment_score":0.0357037503272295}],"sentiment":"neutral","sentiment_score":0.03424982167780399,"channel":1,"num_words":5,"start":61.53,"end":62.989998},{"sentences":[{"text":"Beautiful.","start":64.18,"end":64.659996,"sentiment":"neutral","sentiment_score":0.21420122683048248},{"text":"Beautiful.","start":64.659996,"end":65.14,"sentiment":"neutral","sentiment_score":0.2321951389312744},{"text":"So couple of quick things I wanted to look at here is I've been going through your portfolio.","start":65.14,"end":70.119995,"sentiment":"neutral","sentiment_score":0.09274973927272691},{"text":"Really fantastic aggressive portfolio that Veronica put together for you.","start":71.675,"end":75.855,"sentiment":"neutral","sentiment_score":0.22095211446285248},{"text":"I could see there that there was the the India option had dropped a little bit, but","start":76.315,"end":80.555,"sentiment":"neutral","sentiment_score":0.031275497859015185}],"sentiment":"neutral","sentiment_score":0.10334247406175796,"channel":0,"num_words":47,"start":64.18,"end":80.555},{"sentences":[{"text":"Yep.","start":80.525,"end":81.025,"sentiment":"neutral","sentiment_score":0.04528417810797691}],"sentiment":"neutral","sentiment_score":0.04528417810797691,"channel":1,"num_words":1,"start":80.525,"end":81.025},{"sentences":[{"text":"outside of that, everything's had some insane double digit returns there, so that's looking really good.","start":80.555,"end":85.68,"sentiment":"neutral","sentiment_score":0.17287659458816051},{"text":"Now when it comes to options for what to do there, I know you probably would have already talked to Connor about a couple of things in terms of switching an option out or maybe adding it into a new structure, like an SMA, where we can move things around throughout the year, sort of","start":88.24,"end":103.58501,"sentiment":"neutral","sentiment_score":0.04086970968002623}],"sentiment":"neutral","sentiment_score":0.07061774008185931,"channel":0,"num_words":71,"start":80.555,"end":103.58501},{"sentences":[{"text":"Yep.","start":103.535,"end":103.775,"sentiment":"neutral","sentiment_score":0.05733189731836319}],"sentiment":"neutral","sentiment_score":0.05733189731836319,"channel":1,"num_words":1,"start":103.535,"end":103.775},{"sentences":[{"text":"keep on","start":103.58501,"end":103.90501,"sentiment":"neutral","sentiment_score":0.08539244905114174}],"sentiment":"neutral","sentiment_score":0.08539244905114174,"channel":0,"num_words":2,"start":103.58501,"end":103.90501},{"sentences":[{"text":"Yep.","start":103.775,"end":104.275,"sentiment":"neutral","sentiment_score":0.09531190991401672}],"sentiment":"neutral","sentiment_score":0.09531190991401672,"channel":1,"num_words":1,"start":103.775,"end":104.275},{"sentences":[{"text":"top of it a little bit quicker.","start":103.90501,"end":105.185005,"sentiment":"neutral","sentiment_score":0.0949352468763079},{"text":"Does that ring a 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oh, look.","start":831.21497,"end":834.85,"sentiment":"neutral","sentiment_score":-0.12487103503483993},{"text":"Let's just get rid of it.","start":834.85,"end":836.05,"sentiment":"neutral","sentiment_score":-0.16251558562119803},{"text":"Some","start":836.05,"end":836.29,"sentiment":"neutral","sentiment_score":-0.042798709124326706}],"sentiment":"neutral","sentiment_score":-0.12686040509669555,"channel":0,"num_words":21,"start":830.815,"end":836.29},{"sentences":[{"text":"Yeah.","start":836.175,"end":836.675,"sentiment":"neutral","sentiment_score":-0.028221629559993744}],"sentiment":"neutral","sentiment_score":-0.028221629559993744,"channel":1,"num_words":1,"start":836.175,"end":836.675},{"sentences":[{"text":"of them is a bit more like long term, you know, as the manufacturing from China moves across to India.","start":836.29,"end":842.05,"sentiment":"neutral","sentiment_score":-0.08217742051929236},{"text":"It's more like a five year 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you.","start":927.26495,"end":928.08496,"sentiment":"positive","sentiment_score":0.5643830796082815}],"sentiment":"positive","sentiment_score":0.5918623544275761,"channel":1,"num_words":8,"start":925.90497,"end":928.08496},{"sentences":[{"text":"Bye.","start":928.2,"end":928.7,"sentiment":"neutral","sentiment_score":0.2761128544807434}],"sentiment":"neutral","sentiment_score":0.2761128544807434,"channel":0,"num_words":1,"start":928.2,"end":928.7},{"sentences":[{"text":"Bye.","start":929.105,"end":929.605,"sentiment":"neutral","sentiment_score":-0.11895386129617692}],"sentiment":"neutral","sentiment_score":-0.11895386129617692,"channel":1,"num_words":1,"start":929.105,"end":929.605}]},"summary":{"result":"success","short":"During a conversation between representatives from Oakview Financial and a customer named Matthew, they discuss potential portfolio updates and insurance options. They recommend a new structure with BlackRock for flexibility in the portfolio and emphasize protecting investments in gold and into retirement plans. The speakers emphasize the importance of protecting the whole debt and mention a potential retirement. They also discuss reducing risk levels and reducing risk levels for insurance coverage. The conversation ends with a focus on insurance coverage and scheduling a review of the customer's portfolio."},"intents":{"segments":[{"text":"Mate, I've got a bit of funds for you today. Just had a conversation with Connor and going through your file. Couple of things we were looking at for you this year. So I might just do a quick security check with you and then dive in if that's alright. All good.","start_word":43,"end_word":94,"intents":[{"intent":"Inquire about financial situation","confidence_score":0.00015866809}]},{"text":"But it's something to do with OPU being the first of or or the only, yeah.","start_word":400,"end_word":415,"intents":[{"intent":"Discuss sma's sma and opu's current performance","confidence_score":4.14351e-9}]},{"text":"So I wanna make sure I'll do that comparison for you, see if the fee savings and the performance is is comparable. Yep.","start_word":752,"end_word":774,"intents":[{"intent":"Compare portfolios and assess options for growth and retirement","confidence_score":2.4099123e-7}]},{"text":"If we grow up for the next seven years with all the contributions going in and all the growth, that's gonna become five, six, seven, eight, nine hundred thousand very quickly. And then for the last seven years, we've then got to reduce that risk level down and protect it once it's built. Now what that means is that could go down a $100 in six months, and then it'll go back up a $180 the next six months.","start_word":997,"end_word":1075,"intents":[{"intent":"Plan retirement plan","confidence_score":0.03816597}]},{"text":"Now are you trying to protect the whole debt, like, with your own life insurance kind of thing, the whole $9.50? Nah.","start_word":1404,"end_word":1425,"intents":[{"intent":"Secure debt","confidence_score":0.083037935}]},{"text":"No.","start_word":1605,"end_word":1605,"intents":[{"intent":"Determine coverage cost","confidence_score":0.0011103996}]},{"text":"No. I was just go I was just gonna looking at if I was to max that out, what would that look like?","start_word":1606,"end_word":1628,"intents":[{"intent":"Maximize benefits","confidence_score":0.005475625}]},{"text":"At the moment, the the premiums are 123 a month, which is it's getting up there. It's not expensive because it's still under $2, and you're getting close to 50. Yep.","start_word":1731,"end_word":1761,"intents":[{"intent":"Estimate insurance cost","confidence_score":0.103299215}]},{"text":"So we'll have to approach it in a couple of ways. Let me check a couple of things with you. So, obviously, Connor mentioned that occupation is probably a bit rough for insurance pricing Yep.","start_word":2040,"end_word":2074,"intents":[{"intent":"Approach insurance pricing","confidence_score":0.27191436}]},{"text":"When it comes down to the equipment that breaks down and you repair, what's the kind of biggest and bulkiest type of equipment that you have to work with?","start_word":2088,"end_word":2116,"intents":[{"intent":"Understand key crane repair and maintenance","confidence_score":0.00006407037}]},{"text":"So that's rough for TPD insurance, but not so bad for life insurance. That's okay.","start_word":2225,"end_word":2239,"intents":[{"intent":"Qualify for life insurance and disability","confidence_score":0.0000055105156}]},{"text":"The only two things I need to check is in terms of BMI does have a huge play in pricing. We Yep.","start_word":2287,"end_word":2308,"intents":[{"intent":"Discuss health and bmi in pricing","confidence_score":0.000618539}]},{"text":"A 187, a 112 kegs. What would you be sitting at the moment? Yeah. About one one eight seven or in BMI. Just in terms of kilos or pounds, whatever is easier for you. Yeah.","start_word":2319,"end_word":2353,"intents":[{"intent":"Compare kegs","confidence_score":0.034342155}]},{"text":"So what I'll do is I'll I'll deal with the portfolio now.","start_word":2551,"end_word":2562,"intents":[{"intent":"Discuss portfolio","confidence_score":0.1819834}]},{"text":"At the very least, if I can't get you into that SMA, I'll switch out the India option for you Oh, it's that's that's and funny.","start_word":2605,"end_word":2630,"intents":[{"intent":"Switch out india option","confidence_score":0.004636231}]},{"text":"This is honestly one of the best portfolios I've seen in a very long time. She is.","start_word":2786,"end_word":2802,"intents":[{"intent":"Compare portfolios","confidence_score":0.34407625}]},{"text":"And if I can get you a bit of a quote for some life insurance as a top up, I Yep. can do that then as well. It sounds good.","start_word":2824,"end_word":2853,"intents":[{"intent":"Get quote","confidence_score":0.24829678}]},{"text":"Mate, any questions for me at the moment? No. Not Uber, brother. Uber. Sweet. So I'll do the research. I'm a bit booked out at the moment, but I'll get you booked in in a couple of weeks to run through the portfolio. We'll Yep. have a chat around June about the insurances and just a general review. Yep.","start_word":2855,"end_word":2913,"intents":[{"intent":"Schedule discussion","confidence_score":0.00094801176}]}]},"sentiments":{"segments":[{"text":"Hello? Good day, Matthew. Tommy here from Oakview Financial, senior adviser, mate. How are you doing?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.16040992736816406},{"text":"You're good, Tommy. Yourself? Living the dream. It's a beautiful week so far.","start_word":16,"end_word":28,"sentiment":"positive","sentiment_score":0.619085431098938},{"text":"What about yours? Yeah.","start_word":29,"end_word":32,"sentiment":"neutral","sentiment_score":0.26938384771347046},{"text":"All good. All good. Good Good start.","start_word":33,"end_word":39,"sentiment":"positive","sentiment_score":0.5528635382652283},{"text":"to hear, mate. Mate, I've got a bit of funds for you today. Just had a conversation with Connor and going through your file. Couple of things we were looking at for you this year. So I might just do a quick security check with you and then dive in if that's alright. All good. Yep.","start_word":40,"end_word":95,"sentiment":"neutral","sentiment_score":0.14505775272846222},{"text":"Beautiful.","start_word":96,"end_word":96,"sentiment":"positive","sentiment_score":0.35940760374069214},{"text":"So I registered with Asic as adviser one 273105. Could I just confirm your date of birth and address, ma'am? First is 739. 2108 Elizabeth Avenue, Konta. What do you say? Ssensational. And are you okay for the call to be recorded? All good. All good.","start_word":97,"end_word":142,"sentiment":"neutral","sentiment_score":0.06266582757234573},{"text":"Perfect.","start_word":143,"end_word":143,"sentiment":"positive","sentiment_score":0.3672252297401428},{"text":"So two main things to look at at the moment is we're looking at maybe updating the portfolio on the super and also the insurance side of things. You've got some upcoming loans, and we're looking at maybe increasing the insurances. Does that sound about right? Yeah. Yeah. Let me see. Beautiful. Beautiful. So couple of quick things I wanted to look at here is I've been going through your portfolio. Really fantastic aggressive portfolio that Veronica put together for you. I could see there that there was the the India option had dropped a little bit, but Yep. outside of that, everything's had some insane double digit returns there, so that's looking really good. Now when it comes to options for what to do there, I know you probably would have already talked to Connor about a couple of things in terms of switching an option out or maybe adding it into a new structure, like an SMA, where we can move things around throughout the year, sort of Yep. keep on Yep. top of it a little bit quicker. Does that ring a bell? Yeah. Yeah. Yeah. You soon.","start_word":144,"end_word":334,"sentiment":"neutral","sentiment_score":0.07032465189695358},{"text":"We Cool.","start_word":335,"end_word":336,"sentiment":"positive","sentiment_score":0.4226960837841034},{"text":"did touch we did touch on something new that IP had gone into with, like, BlackRock just loosely with if that rings a bell. Something Yes. that something that that or, yeah, Some some sort of structure thing around BlackRock or something around yeah. Something like that. I can't exactly remember what myself and Connor spoke on, but or something on those things. But it's something to do with OPU being the first of or or the only, yeah. Well, only company linked with BlackRock in that way sort of thing, something like that. Yeah. Yep. Yeah. Yep. First estimate of the market with those guys. And how it basically works, an SMA pretty much puts a bubble around the portfolio. It allows us to move the portfolio onto one of Hub's lower fee menus. Because normally, to get all these ETFs, Yep. you need to be in the choice menu. It's a bit more expensive. We can Yep. move it across into the cheaper menu, still have access to everything. And then through the year, if something changes with the market, maybe every quarter or so, they can actually switch fund managers out if we think we wanna go a different direction or if they're not doing so well. Mhmm. Now the only thing that it kind of does that kind of looks worse is because the SMA, it looks at what's happening right now in the world and what Yep. we're thinking is coming around the corner. It looks a little bit worse in terms of past performance because your portfolio, it's got a bit of crypto in there. It's got gold.","start_word":337,"end_word":610,"sentiment":"neutral","sentiment_score":-0.005531851202249527},{"text":"It's got so many awesome options that the last five years have just knocked it out of the park.","start_word":611,"end_word":629,"sentiment":"positive","sentiment_score":0.4356012046337128},{"text":"Yep. Yep.","start_word":630,"end_word":631,"sentiment":"neutral","sentiment_score":0.20224615931510925},{"text":"Now I can put it into that kind of estimate structure, get things going a bit quicker, and then we can be on top of the market a lot easier.","start_word":632,"end_word":661,"sentiment":"positive","sentiment_score":0.361383855342865},{"text":"It's just gonna look a little bit worse in terms of past performance because it is forward looking. Alright. Yeah. Yep. Yep. The only difference is, like, look, if we switch out that one option, I can do that, pull out the India and rebalance it kinda thing. But then every year, if something else goes wrong, we're gonna have to have that same conversation and Yes, then wait a couple of weeks to do some updated documents just to switch it out. ma'am. Oh, yeah. That's a lot. K? So I wanna make sure I'll do that comparison for you, see if the fee savings and the performance is is comparable.","start_word":662,"end_word":773,"sentiment":"neutral","sentiment_score":0.04796864544706685},{"text":"Yep. If it's pretty close, I'll recommend it.","start_word":774,"end_word":781,"sentiment":"positive","sentiment_score":0.49959930777549744},{"text":"If it's, like, a huge 4% difference, I might not be able to because your portfolio is just that Open. Right? Open.","start_word":782,"end_word":803,"sentiment":"neutral","sentiment_score":0.11615106463432312},{"text":"good. Cool?","start_word":804,"end_word":805,"sentiment":"positive","sentiment_score":0.4605533480644226},{"text":"The other thing too is just because you're in that aggressive risk profile, just making sure you're still comfortable for all of the super to be in, like, growth assets, share, property, gold, crypto, just getting as high return as possible. Yeah. Well, what do you reckon? What do you recommend, bud? Long term?","start_word":806,"end_word":859,"sentiment":"neutral","sentiment_score":0.1673308163881302},{"text":"Fantastic.","start_word":860,"end_word":860,"sentiment":"positive","sentiment_score":0.5321662425994873},{"text":"And what you're in the at the moment, you're kind of you're finishing off your last few years of growth. Now time frame wise, are you we were kind of looking at, like, age 60. As soon as you hit 60, there's your preservation age. You can access the super, retire as early as possible. Does that sound about right? Yeah. It's not what they're looking for. Yep. So, really and this is not to sort of scare you anything, but in the next thirteen, fourteen years, you've got two market cycles ahead of you. They're usually around seven years where the economy grows and the stock market goes up, and then a COVID happens and it crashes, and Yep. then it'll grow again and then it'll crash again. Basically, you're sitting at 467,000 today.","start_word":861,"end_word":995,"sentiment":"neutral","sentiment_score":-0.0574587807059288},{"text":"If we grow up for the next seven years with all the contributions going in and all the growth, that's gonna become five, six, seven, eight, nine hundred thousand very quickly.","start_word":996,"end_word":1026,"sentiment":"positive","sentiment_score":0.3540007174015045},{"text":"And then for the last seven years, we've then got to reduce that risk level down and protect it once it's built. Now what that means is that could go down a $100 in six months, and then it'll go back up a $180 the next six months. It's Yep. probably the biggest roller coaster you could possibly go on to is having $500,000 in an aggressive portfolio. That's it. K? So if you're comfortable with that, we go for gold for seven years, and then we start reducing you down from a 100% growth assets, ninety, eighty, seventy, sixty, fifty, forty, and then we transition you into a safe pension account when you hit 60. Yeah. I I I quite enjoy rollercoaster rides myself, but, you know, I'm on my mortgage.","start_word":1027,"end_word":1158,"sentiment":"neutral","sentiment_score":0.21011051535606384},{"text":"Fantastic. So we'll go for it for seven years, then we'll protect it and get you into a nice company retirement right on 60. That'll be no problem.","start_word":1159,"end_word":1186,"sentiment":"positive","sentiment_score":0.5057291984558105},{"text":"And I'll do those comparisons and see if I can get it in a better similar position, but with the ability to mix things up a little lot quicker Yep. than usual. Yep. Yep. Yep. Just bear in mind that when I do the projections, it'll look a little bit worse. Okay. Cool. And just in terms of the insurance side of things, just having a quick check of a couple of things. You've got the sort of a share of a property that you've got a bit of a loan on. Yeah. Is there another loan you're about to get? No. So it's just that one at the moment? Yeah. Just be just be that one that's about to start soon. It said probably settles on the seventh. Moment? The funny thing is Oh, yeah. it's Yeah. it's it's it's a it's a yeah. It is a group thing, but it's not in my name. I'll be part of it. But because in order to get it and secure it and whatnot, we had to do it a bit different than, you know, normal. Okay. Yep. I'm with you. Yeah. Total debt's gonna be about $9.50, and Yeah. your your share of it, I guess, is technically a third of that. Yeah. I heard of that. Now are you trying to protect the whole debt, like, with your own life insurance kind of thing, the whole $9.50? Nah. No. Not really. I'm probably As if well. if it came to we did it we did it in a way too so that if it does if it if it did break down in any way across the three parties, that one party would be able to sustain it. It wouldn't be sort of crazy stupid on at least one. Yep. Yep. Okay. It it was So the that breakdown minimizes effect. the risk a little Yeah. bit. K. But, no, not really not really looking to to try and secure the whole debt. Just just my portion type thing. Yeah. Because you've got $488,000 of life and TPD at the moment. So if you pass away or can never work again, that lump sum just shy of 0.5 a mil plus your Yep. super comes out, and Mhmm. combined, you're looking at just under a million dollars of super and insurance in that event. So from my perspective, it looks like you're pretty well covered unless there's some sort of amount that you're looking for. Okay. No. No. No. I was just go I was just gonna looking at if I was to max that out, what would that look like? Yeah. Yep. And actually, how much are you sort of thinking for that? Of what what is your mind up to? You know, as long as it wasn't eating into anything, I I didn't have really a set figure in in in my mind as as to what I expected of Max to be. I was just like, yeah. Well, actually, if I maxed my insurance out, what would the cost be and would it be possible and would it be viable as to not to eat into the overall balance as it was growing sort of thing? Yeah. Yeah. No. Absolutely. At the moment, the the premiums are 123 a month, which is it's getting up there. It's not expensive because it's still under $2, and you're getting close to 50. Yep. When you hit your fifties, it's gonna start creeping up to $4, $6, $7 kind of thing. Yep. It'll start to eat into it in a few years' time. Now And are you able to give us a a a a number? Are you able to give us a what it would be like if or or, like, whatever whatever metrics that it it uses in terms of my age and whatnot to to tell me what would be, could be. in terms of what the price will get to or or how much to get extra insurance? Yeah. How much we get it? How much or how much the cost and what I would get in in terms of the payouts and Well, whatnot. I can definitely see I can do a little bit of projection. Let me have a quick look here. So we got $1.23. Yeah. When when you hit 50, it'll be over 2,000. When you hit 55, it'll be about 4 or 5,000. And when you hit 60, it'll be, like, 7,000. Is that just the normal? Is that just an old based Just on what I'm what the I'm currently at at the minute? Yeah. Yep. That just under 0.5 a mil of life and TPD insurance. Yep. Any increases on that, we're we're lumping on an extra couple of grand. Yep. But I could I could get a little bit of life insurance, but the TPD, I don't think I can get your TPD this year, Life the insurance. disability. Life life insurance is probably the the the main one. The main Yeah. one, not the total Yeah. disability. Nah. Okay. So we'll have to approach it in a couple of ways. Let me check a couple of things with you. So, obviously, Connor mentioned that occupation is probably a bit rough for insurance pricing Yep. just Yep. because of the the port work, the heights, the machinery. Yep. When it comes down to the equipment that breaks down and you repair, what's the kind of biggest and bulkiest type of equipment that you have to work with? Oh, it would be the biggest would be the key crane. Heat crane. And is that when you go up to the heights Yeah. to sort Yeah. of fix That's the that's top when of the we crane? well, the majority of the majority of the work that we do is is all on the ground. It's like, you know, with the with the mobile units or the lifting equipment that's used, it's all pretty much at a ground level until Yep. one of those key cranes is air breaks down and then then we have to reach those heights and get up to those heights. Beautiful. Okay. So that's rough for TPD insurance, but not so bad for life insurance. That's okay. Age is one thing. That's alright. Still under 50. When it comes to health wise, let me just do a quick recap. We've got bronchitis in 2014 that got cleared out by antibiotics. Yep. We had the broken collarbones back in the nineties. That all healed up. The only two things I need to check is in terms of BMI does have a huge play in pricing. We Yep. had you about 32 for a little bit there. A 187, a 112 kegs. What would you be sitting at the moment? Yeah. About one one eight seven or in BMI. Just in terms of kilos or pounds, whatever is easier for you. Yeah. About one twenty one twenty. One twenty. So when you hit thirty four, which that just press over, you start to get some loadings, Yep. which they might pump the price up by, like, 50%. Maybe it's 35. So it's on the cusp there. First, the occupation is not so bad for life insurance. Like you said, that's the important one. Yep. We may have to wait till June of next year. The only one I can see here that's a red flag is that we had a little bit of party drug usage in 2024, mid twenty twenty four. What They was that usually again, sir? 2024 that you may have done a little bit of the the old party drugs, Oh, yep. possibly Yep. Yep. cocaine. Yep. Now when they when we've got that, it's usually three or five years that Yep. we can't touch it for. So Alright. what I might have to do is I might have to just put a pin in that one until about, let's say, June, and then I can do a life insurance quote for you. Yep. Alright. So it is. Is that okay?","start_word":1187,"end_word":2545,"sentiment":"neutral","sentiment_score":-0.04545553454291829},{"text":"Yeah. It's all good. Cool.","start_word":2546,"end_word":2550,"sentiment":"positive","sentiment_score":0.5180842876434326},{"text":"So what I'll do is I'll I'll deal with the portfolio now. I'll do those comparisons. I'll get in a couple of weeks' time. We'll book you in. I'll show you the differences, make sure you're comfortable with that new structure, Yep. get the Yep. fees down, fix up the investments a little bit. At the very least, if I can't get you into that SMA, I'll switch out the India option for you Oh, it's that's that's and funny.","start_word":2551,"end_word":2630,"sentiment":"neutral","sentiment_score":0.13600170612335205},{"text":"If you feel that it's it's outgoing, beneficial. it's good to look if you could if you're breaking it, it could bounce back or it could come good or whatever or good.","start_word":2631,"end_word":2662,"sentiment":"positive","sentiment_score":0.36640697717666626},{"text":"Yeah. The only I guess sometimes when they go down, you go, oh, look. Let's just get rid of it. Some Yeah. of them is a bit more like long term, you know, as the manufacturing from China moves across to India. It's more like a five year thing. So we're kind of looking at the long term. So I'll do a bit of a comparison for you. If you're not too set in stone on it, I'll just make sure I I don't put you anything any anything worse than what you've currently got Yep. because, Yes. It is.","start_word":2663,"end_word":2762,"sentiment":"neutral","sentiment_score":-0.05086265504360199},{"text":"like I was saying, this is performing so well. Five years, we're talking high double digits compared to the rest of the industry. This is honestly one of the best portfolios I've seen in a very long time. She is.","start_word":2763,"end_word":2802,"sentiment":"positive","sentiment_score":0.5480124950408936},{"text":"And then I've put a note on file already that come, like, June, we'll do the review a little bit earlier. And if I can get you a bit of a quote for some life insurance as a top up, I Yep. can do that then as well.","start_word":2803,"end_word":2850,"sentiment":"neutral","sentiment_score":0.21458296477794647},{"text":"It sounds good. Awesome.","start_word":2851,"end_word":2854,"sentiment":"positive","sentiment_score":0.48194536566734314},{"text":"Mate, any questions for me at the moment? No. Not Uber, brother. Uber. Sweet. So I'll do the research. I'm a bit booked out at the moment, but I'll get you booked in in a couple of weeks to run through the portfolio. We'll Yep. have a chat around June about the insurances and just a general review. Yep. And is there anything you feel like you might need around Christmas time, or are you okay just deal with the Super Now insurance next year? Yes. We do.","start_word":2855,"end_word":2942,"sentiment":"neutral","sentiment_score":0.09929890930652618},{"text":"Perfect.","start_word":2943,"end_word":2943,"sentiment":"positive","sentiment_score":0.38610196113586426},{"text":"Alright. Anything else for me before I let you go, mate? Awesome, Not over. But over. mate.","start_word":2944,"end_word":2960,"sentiment":"neutral","sentiment_score":0.0917067602276802},{"text":"Appreciate it. I will sort that out as soon as I can, and just keep an ear out for a call in a couple of weeks. See you then. Thanks for Have a great day, mate. Cheers. me. Cheers, brother. Thank you. Same to you.","start_word":2961,"end_word":3005,"sentiment":"positive","sentiment_score":0.5311586856842041},{"text":"Bye. Bye.","start_word":3006,"end_word":3007,"sentiment":"neutral","sentiment_score":0.23348909616470337}],"average":{"sentiment":"neutral","sentiment_score":0.053913111923482415}}}}