{"metadata":{"transaction_key":"deprecated","request_id":"019dfbd3-8881-7eb0-8682-8fa9577ceba1","sha256":"47a464b9579037508a7d2a03d88f33deb5ce3999e1ca2921c8464eeabd9e5cdc","created":"2026-05-06T05:47:19.521Z","duration":1218.7439,"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":4366,"output_tokens":88},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4922,"output_tokens":4932},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4922,"output_tokens":473}},"results":{"channels":[{"alternatives":[{"transcript":"Hi. Good afternoon, Sandra. Hi, Sandra. It's Larissa from Oakview Financial. I'm the financial adviser with the team. How are you going? That's good. I was just giving you a call following on from a conversation you had with my colleagues. I believe you were speaking with Fabian earlier? Yeah. Fantastic. Have I got you at a good time? Perfect. Good. I'm glad I caught you. Well, before I tell you what I do, just need to let you know our calls are recorded, if that's okay. Fantastic. So as I said, the I'm a financial planner, so I've I'm I'm registered with Afic, and I am, I guess, duly authorized to be able to provide financial advice. I've done quite a lot of study in my in my years, and and I've been in the industry for well over a decade. Now my whole role is to work for you. So every piece of advice I give and and every client I speak to is very different, and that's purely and simply because every client needs change. So the goals that you have set out for yourself are gonna be different to anyone else else's goals. So I've had a look at all the information that you've given, which thank you so much. You've you've definitely outlined things fantastically, which is nice. And I guess I just wanna, I guess, learn you a little bit more and make sure that I am acting, you know, in a way that's gonna benefit you and and and work for you long time long term. Now I understand goals wise, you're wanting to travel back to Africa and and go and, you know, explore. Is that something that you're wanting sort of financial advice on with respect to budgeting for it, or is that something you're just saving away for? It's just a personal call you have for yourself. Yes. No. That's beautiful. I I've been to Africa before on a safari. I I can tikked in in my in my youth and my four kids, and it was gorgeous. Absolutely gorgeous. Yeah. Yeah. Go and see the sights, and, honestly, Zimbabwe is gorgeous, and the animals are phenomenal. Like, you see the TV and, like, you know, you see them on TV and they are just nothing compared to what they're like in real life. Like, it's beautiful and anyway so aside from that, you're you're wanting to sort of look at getting as much out of your superannuation as you can. You have a bit of a goal to wanna try and get your balance to 400,000 plus before you hit retirement. Yeah. No. Perfect. No. Absolutely. Now I see that you have a retirement age of 67. Can I ask, is that a designated age that you believe you wanna retire or an age that you feel you're forced? You'll be done. Yeah. K. I'm still following along. Yeah. No. That's okay. So I I I guess I just wanna make sure that, like, clarification and education purposes. So 65 sorry. 67 is the age that a lot of people focus on as retirement because the age that the age pension becomes available. For superannuation, you can actually start accessing super from age 60 with some restrictions. And then from 65, it's pretty much, like, open irrespective of what your work circumstances look like. So I just wanna make sure, I guess, you have those ages in mind just so I guess, if something happens or realistically speaking, within the next three years, because you have the same birthday as my mother. She's a little bit older than you, but no. I shard. Never do. Poor love. She often falls on Mother's Day. So, yeah, the the the you like, you know, you turn you turn 57 this year, and realistically speaking, within the next three years, we could do some pretty cool tax saving strategies around, you know, minimizing tax and stuff like that through using your superannuation as a tax vehicle while not minimizing your income. That's obviously an important aspect. It's something to look for look forward to in three years' time. Always love trying to, you know, use the loopholes we can to pay the least amount of tax possible. But, yeah, that's something to look forward. Now I know that in retirement, you were saying you wanted a sort of an income around a thousand dollars a week. I can see that currently you're on, like, $94,000 a year. So those numbers are a little bit, I guess, skewed from each other. No. That's okay. Yeah. No. I know. Sometimes it's hard when someone's, like, ask the questions flat out. Realistically speaking, what your income looks like right now net, so after you after the tax was taken out, you're on about 1,400 a week. Now that's out of your your 94,000. You earned about 73 and some change after tax, and, you know, it's about 14,000 sorry, 1,400 in your pocket. Now I have here that you're saving pretty consistently $200 a week. So, realistically speaking, that indicates to me that your current needs so, you know, what you're actually spending per week outside of what you're saving is about $1,200 per week. And that would be across, you know, any of the the bills and stuff that you have, you know, discretionary spending as well, I am sure. Now one of the questions I did wanna ask, because we have a car, we have a savings, we have a credit card. Currently, living wise, are we renting? Do we house share with family? What's our living circumstances? Yeah. Yeah. Yeah. Yeah. Yeah. So you'll you're gonna go on the mortgage as a as a secondary, like, purchaser or a guarantor. Yeah. Yeah. Yeah. For serviceability. Okay. Is that an option for you to be able to move in and, like, live with her or no. That's okay. Fair enough. No. That's completely no. That's okay. Alright. So you're quite comfortable renting, and, obviously, we just need to make sure that we have the income to be able to support your rental needs. That's fine. Perfect. And then what you're looking for in your retirement is basically the ability to just travel, enjoy yourself. I love yeah. Yeah. You you wanna basically have the ability to to say, you know, you have the $20,000 each year that's in excess of what your income needs are to be able to realistically go and travel and do do what you wanna do. Perfect. Okay. Now that's fantastic, and that gives me a really, really good scope of things, which is fantastic. Now with regards to your occupation, I can see that we're 100% office space. We've we've worked there for a good number of years, which is great. So I assume we have some decent annual long service leave built up. Yeah. Perfect. Of of sick of annual late. Sorry. Oh, wow. They they perroder it. Beautiful. Oh, lovely. Absolutely lovely. Perfect. Amazing. And I can see that your employer also pays 14% super contributions as well. So they're paying above the minimum requirement. Beautiful. Love an EBA. Fantastic. Are there any restrictions to your EBA or is it just No. Are there any other benefits that they offer under the EBA that I possibly need to know about? Perfect. Yes. Yes. Yeah. No. I see that you you pay about $2,600 a year as salary sacrifice. Yes. Yeah. Yeah. Which is yeah. $20.20 yeah. 2,600 across the year. Perfect. Oh, beautiful. A hundred and fifty four hours of combined long service and sick leave. That's amazing. And your sick leave? Beautiful. So is your sick leave included in that $8.54? Beautiful. Amazing. Very good. That's lovely. Amazing. Now I can see that we have $35,000 sitting in the savings account. Does that currently have a, I guess, an earmarked direction for it? Are we is that what we're what just saving? Yep. Okay. Do you wanna look at investing it for your, like, some of it for yourself? Would you wanna look at keeping it? I understand you need to like, you need to travel back to New Zealand in July, so there's obviously expenses that come with that and that we have the, you know, the Africa travel as well. Do you wanna look at investing that to maybe help with traveling to Africa? Or yeah. Beautiful. I mean, we could probably look at doing a little bit better, but it's good that you like, you're incur like, you're getting decent interest on it. It's not, you know, 3¢, which is good. Obviously, yeah, with possibility of purchasing a house in the next couple of months, we'll we we can hold off on making any drastic changes to the finances yet, and then we can have a look at things, you know, maybe in the new in the financial year or, you know, maybe give it six six months until things settle down, and and we can have a look at, you know, possibly, like, doing a bit of an investment with with those funds or with some of those funds depending on what's left over just to help you help you to be able to do the travel and everything like that. Perfect. Now at the moment, you you have your Australian Retirement Trust account, and you have the life and the total permanent disability insurance that are held within that fund. Now one of the biggest things that I always wanna do is I wanna make sure that I don't affect someone's insurance. So I wanna make sure that if it's important to you that we we we keep it protected. Now I can see that you're ultimately just wanting to make sure that the kids are looked after and that, you know, you're not gonna be a burden financially. What I wanna find out is if anything were to happen to you, what what would you want the family to have? Do you is it just anything that I have you know, any any money that's left over is just it it's good and it's good for them, or do you wanna leave a specific amount for, you know, for your daughters? How many if if you don't mind me asking, how many kids do you have? Oh, beautiful. I went for the third. Two boys and two boys and a girl. It created extra chaos for me. Yeah. Alright. That that's okay. Because, I mean, realistically, if something were to happen to you tomorrow, the car's there, the savings account's there, the you know, your superannuation balance is and can form part of your estate. So that's, you know, basically, let's just call it $218,000 split between them. That's over a $100,000 each that they would receive plus the $36,000 in in life insurance. Now, like, you know, they are adult children, so that's just gonna give them a boost to their life financially. But I think the biggest part is is with total current disability, if anything were to happen to you, it's the possibility of being a financial burden, not having enough to to support you. So what I can look at is making sure that, you know, I'm covering off your income needs when it comes to, you know, you being able to to support yourself if you were to not have an income anymore and what that might look like. I'm obviously gonna take into consideration wanting to focus more on growing our super funds than on having insurance premiums in place. I don't wanna be costing, you know, an arm and a leg of premiums that are not necessarily, you know, gonna be used. But it's like car insurance. Sometimes we pay our premiums, we don't need it, and then other times, you know We do. Very much so. So I'll have a look at what that might look like. The good thing is is you're in a nice sedentary office based role. So, you know, you've you've got good occupation behind you for for any any insurance application there. I did just wanna ask you. I know that you already disclosed, like, no medical history, but I just wanted to confirm, did you like, you've like, have you ever had a surgery, or do you take any form of medication? Yep. That's that's fine. No one's gonna mind about that one. Have you ever had an insurance claim before, like, claimed on any form of insurance policy? No. And no, you know, mental health concerns? No time off work for any bullying, harassment, anything like that? No. Fantastic. I love it. Alright. Perfect. Well, I'll have a look at look into all of that and and see where we land with the insurance outcomes. I'll look at, you know, what kind of amounts that we might look like, you know, how I'll factor in how much we need. Probably looking around, you know, your income, you know, multiplied by a few years to to make sure that, you know, you have income that's gonna support you. And then, obviously, factoring in any lump sum benefits that we could could be able to obtain as well, like your superannuation balance, stuff like that. So I'll have a look at that. Now I have you scheduled in for Monday. Leave things with me and see how I go, but would you be amenable to maybe meeting with me Tuesday just because I do know that I have a bit of a crazy last couple of days of the week, and I wanna make sure that I can obviously do things justice. But I just have a funny feeling you have Monday off work. Yeah. Alright. That's okay. Flat out. No. That's okay. Alright. Well no. That's okay. Well, leave things with me, and what I'll do is I'll give you a call Monday afternoon, probably around this same time, that sort of 03:30, 04:00, and we can chat there. Because I wanna make sure that I obviously dig deep and have a look at everything properly. I don't wanna rush through putting something together. And and I'll talk to you again on Monday. Alright? Absolutely. Was there any questions that you might have had for me while we were on the phone before Monday? No. Good. No. That's okay. If you do have any questions when it comes to it, you know, either write them down or we'll chat on Monday, and we can go through from there. Okay? Fantastic. A pleasure speaking to you, Sandra. That's okay. We will. 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Good afternoon, Sandra. Hi, Sandra. It's Larissa from Oakview Financial. I'm the financial adviser with the team.\n\nHow are you going? That's good. I was just giving you a call following on from a conversation you had with my colleagues. I believe you were speaking with Fabian earlier? Yeah.\n\nFantastic. Have I got you at a good time? Perfect. Good. I'm glad I caught you.\n\nWell, before I tell you what I do, just need to let you know our calls are recorded, if that's okay. Fantastic. So as I said, the I'm a financial planner, so I've I'm I'm registered with Afic, and I am, I guess, duly authorized to be able to provide financial advice. I've done quite a lot of study in my in my years, and and I've been in the industry for well over a decade. Now my whole role is to work for you.\n\nSo every piece of advice I give and and every client I speak to is very different, and that's purely and simply because every client needs change. So the goals that you have set out for yourself are gonna be different to anyone else else's goals. So I've had a look at all the information that you've given, which thank you so much. You've you've definitely outlined things fantastically, which is nice. And I guess I just wanna, I guess, learn you a little bit more and make sure that I am acting, you know, in a way that's gonna benefit you and and and work for you long time long term.\n\nNow I understand goals wise, you're wanting to travel back to Africa and and go and, you know, explore. Is that something that you're wanting sort of financial advice on with respect to budgeting for it, or is that something you're just saving away for? It's just a personal call you have for yourself. Yes. No.\n\nThat's beautiful. I I've been to Africa before on a safari. I I can tikked in in my in my youth and my four kids, and it was gorgeous. Absolutely gorgeous. Yeah.\n\nYeah. Go and see the sights, and, honestly, Zimbabwe is gorgeous, and the animals are phenomenal. Like, you see the TV and, like, you know, you see them on TV and they are just nothing compared to what they're like in real life. Like, it's beautiful and anyway so aside from that, you're you're wanting to sort of look at getting as much out of your superannuation as you can. You have a bit of a goal to wanna try and get your balance to 400,000 plus before you hit retirement.\n\nYeah. No. Perfect. No. Absolutely.\n\nNow I see that you have a retirement age of 67. Can I ask, is that a designated age that you believe you wanna retire or an age that you feel you're forced? You'll be done. Yeah. K.\n\nI'm still following along. Yeah. No. That's okay. So I I I guess I just wanna make sure that, like, clarification and education purposes.\n\nSo 65 sorry. 67 is the age that a lot of people focus on as retirement because the age that the age pension becomes available. For superannuation, you can actually start accessing super from age 60 with some restrictions. And then from 65, it's pretty much, like, open irrespective of what your work circumstances look like. So I just wanna make sure, I guess, you have those ages in mind just so I guess, if something happens or realistically speaking, within the next three years, because you have the same birthday as my mother.\n\nShe's a little bit older than you, but no. I shard. Never do. Poor love. She often falls on Mother's Day.\n\nSo, yeah, the the the you like, you know, you turn you turn 57 this year, and realistically speaking, within the next three years, we could do some pretty cool tax saving strategies around, you know, minimizing tax and stuff like that through using your superannuation as a tax vehicle while not minimizing your income. That's obviously an important aspect. It's something to look for look forward to in three years' time. Always love trying to, you know, use the loopholes we can to pay the least amount of tax possible. But, yeah, that's something to look forward.\n\nNow I know that in retirement, you were saying you wanted a sort of an income around a thousand dollars a week. I can see that currently you're on, like, $94,000 a year. So those numbers are a little bit, I guess, skewed from each other. No. That's okay.\n\nYeah. No. I know. Sometimes it's hard when someone's, like, ask the questions flat out. Realistically speaking, what your income looks like right now net, so after you after the tax was taken out, you're on about 1,400 a week.\n\nNow that's out of your your 94,000. You earned about 73 and some change after tax, and, you know, it's about 14,000 sorry, 1,400 in your pocket. Now I have here that you're saving pretty consistently $200 a week. So, realistically speaking, that indicates to me that your current needs so, you know, what you're actually spending per week outside of what you're saving is about $1,200 per week. And that would be across, you know, any of the the bills and stuff that you have, you know, discretionary spending as well, I am sure.\n\nNow one of the questions I did wanna ask, because we have a car, we have a savings, we have a credit card. Currently, living wise, are we renting? Do we house share with family? What's our living circumstances? Yeah.\n\nYeah. Yeah. Yeah. Yeah. So you'll you're gonna go on the mortgage as a as a secondary, like, purchaser or a guarantor.\n\nYeah. Yeah. Yeah. For serviceability. Okay.\n\nIs that an option for you to be able to move in and, like, live with her or no. That's okay. Fair enough. No. That's completely no.\n\nThat's okay. Alright. So you're quite comfortable renting, and, obviously, we just need to make sure that we have the income to be able to support your rental needs. That's fine. Perfect.\n\nAnd then what you're looking for in your retirement is basically the ability to just travel, enjoy yourself. I love yeah. Yeah. You you wanna basically have the ability to to say, you know, you have the $20,000 each year that's in excess of what your income needs are to be able to realistically go and travel and do do what you wanna do. Perfect.\n\nOkay. Now that's fantastic, and that gives me a really, really good scope of things, which is fantastic. Now with regards to your occupation, I can see that we're 100% office space. We've we've worked there for a good number of years, which is great. So I assume we have some decent annual long service leave built up.\n\nYeah. Perfect. Of of sick of annual late. Sorry. Oh, wow.\n\nThey they perroder it. Beautiful. Oh, lovely. Absolutely lovely. Perfect.\n\nAmazing. And I can see that your employer also pays 14% super contributions as well. So they're paying above the minimum requirement. Beautiful. Love an EBA.\n\nFantastic. Are there any restrictions to your EBA or is it just No. Are there any other benefits that they offer under the EBA that I possibly need to know about? Perfect. Yes.\n\nYes. Yeah. No. I see that you you pay about $2,600 a year as salary sacrifice. Yes.\n\nYeah. Yeah. Which is yeah. $20.20 yeah. 2,600 across the year.\n\nPerfect. Oh, beautiful. A hundred and fifty four hours of combined long service and sick leave. That's amazing. And your sick leave?\n\nBeautiful. So is your sick leave included in that $8.54? Beautiful. Amazing. Very good.\n\nThat's lovely. Amazing. Now I can see that we have $35,000 sitting in the savings account. Does that currently have a, I guess, an earmarked direction for it? Are we is that what we're what just saving?\n\nYep. Okay. Do you wanna look at investing it for your, like, some of it for yourself? Would you wanna look at keeping it? I understand you need to like, you need to travel back to New Zealand in July, so there's obviously expenses that come with that and that we have the, you know, the Africa travel as well.\n\nDo you wanna look at investing that to maybe help with traveling to Africa? Or yeah. Beautiful. I mean, we could probably look at doing a little bit better, but it's good that you like, you're incur like, you're getting decent interest on it. It's not, you know, 3¢, which is good.\n\nObviously, yeah, with possibility of purchasing a house in the next couple of months, we'll we we can hold off on making any drastic changes to the finances yet, and then we can have a look at things, you know, maybe in the new in the financial year or, you know, maybe give it six six months until things settle down, and and we can have a look at, you know, possibly, like, doing a bit of an investment with with those funds or with some of those funds depending on what's left over just to help you help you to be able to do the travel and everything like that. Perfect. Now at the moment, you you have your Australian Retirement Trust account, and you have the life and the total permanent disability insurance that are held within that fund. Now one of the biggest things that I always wanna do is I wanna make sure that I don't affect someone's insurance. So I wanna make sure that if it's important to you that we we we keep it protected.\n\nNow I can see that you're ultimately just wanting to make sure that the kids are looked after and that, you know, you're not gonna be a burden financially. What I wanna find out is if anything were to happen to you, what what would you want the family to have? Do you is it just anything that I have you know, any any money that's left over is just it it's good and it's good for them, or do you wanna leave a specific amount for, you know, for your daughters? How many if if you don't mind me asking, how many kids do you have? Oh, beautiful.\n\nI went for the third. Two boys and two boys and a girl. It created extra chaos for me. Yeah. Alright.\n\nThat that's okay. Because, I mean, realistically, if something were to happen to you tomorrow, the car's there, the savings account's there, the you know, your superannuation balance is and can form part of your estate. So that's, you know, basically, let's just call it $218,000 split between them. That's over a $100,000 each that they would receive plus the $36,000 in in life insurance. Now, like, you know, they are adult children, so that's just gonna give them a boost to their life financially.\n\nBut I think the biggest part is is with total current disability, if anything were to happen to you, it's the possibility of being a financial burden, not having enough to to support you. So what I can look at is making sure that, you know, I'm covering off your income needs when it comes to, you know, you being able to to support yourself if you were to not have an income anymore and what that might look like. I'm obviously gonna take into consideration wanting to focus more on growing our super funds than on having insurance premiums in place. I don't wanna be costing, you know, an arm and a leg of premiums that are not necessarily, you know, gonna be used. But it's like car insurance.\n\nSometimes we pay our premiums, we don't need it, and then other times, you know We do. Very much so. So I'll have a look at what that might look like. The good thing is is you're in a nice sedentary office based role. So, you know, you've you've got good occupation behind you for for any any insurance application there.\n\nI did just wanna ask you. I know that you already disclosed, like, no medical history, but I just wanted to confirm, did you like, you've like, have you ever had a surgery, or do you take any form of medication? Yep. That's that's fine. No one's gonna mind about that one.\n\nHave you ever had an insurance claim before, like, claimed on any form of insurance policy? No. And no, you know, mental health concerns? No time off work for any bullying, harassment, anything like that? No.\n\nFantastic. I love it. Alright. Perfect. Well, I'll have a look at look into all of that and and see where we land with the insurance outcomes.\n\nI'll look at, you know, what kind of amounts that we might look like, you know, how I'll factor in how much we need. Probably looking around, you know, your income, you know, multiplied by a few years to to make sure that, you know, you have income that's gonna support you. And then, obviously, factoring in any lump sum benefits that we could could be able to obtain as well, like your superannuation balance, stuff like that. So I'll have a look at that. Now I have you scheduled in for Monday.\n\nLeave things with me and see how I go, but would you be amenable to maybe meeting with me Tuesday just because I do know that I have a bit of a crazy last couple of days of the week, and I wanna make sure that I can obviously do things justice. But I just have a funny feeling you have Monday off work. Yeah. Alright. That's okay.\n\nFlat out. No. That's okay. Alright. Well no.\n\nThat's okay. Well, leave things with me, and what I'll do is I'll give you a call Monday afternoon, probably around this same time, that sort of 03:30, 04:00, and we can chat there. Because I wanna make sure that I obviously dig deep and have a look at everything properly. I don't wanna rush through putting something together. And and I'll talk to you again on Monday.\n\nAlright? Absolutely. Was there any questions that you might have had for me while we were on the phone before Monday? No. Good.\n\nNo. That's okay. If you do have any questions when it comes to it, you know, either write them down or we'll chat on Monday, and we can go through from there. Okay? Fantastic.\n\nA pleasure speaking to you, Sandra. That's okay. We will. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":5.8399997,"end":6.16,"sentiment":"neutral","sentiment_score":0.09584257006645204},{"text":"Good afternoon, Sandra.","start":6.16,"end":7.62,"sentiment":"neutral","sentiment_score":0.22790873050689697},{"text":"Hi, Sandra.","start":9.36,"end":10.08,"sentiment":"neutral","sentiment_score":0.141490638256073},{"text":"It's Larissa from Oakview Financial.","start":10.08,"end":11.78,"sentiment":"neutral","sentiment_score":0.12149446308612824},{"text":"I'm the financial adviser with the team.","start":11.84,"end":14.16,"sentiment":"neutral","sentiment_score":0.1233208030462265}],"sentiment":"neutral","sentiment_score":0.1407371097140842,"num_words":18,"start":5.8399997,"end":14.16},{"sentences":[{"text":"How are you going?","start":14.16,"end":15.139999,"sentiment":"neutral","sentiment_score":0.18294358253479004},{"text":"That's good.","start":16.885,"end":17.785,"sentiment":"positive","sentiment_score":0.569456934928894},{"text":"I was just giving you a call following on from a conversation you had with my colleagues.","start":18.164999,"end":23.865,"sentiment":"neutral","sentiment_score":0.14457974845872207},{"text":"I believe you were speaking with Fabian earlier?","start":24.645,"end":27.224998,"sentiment":"neutral","sentiment_score":0.02494622953236103},{"text":"Yeah.","start":28.660002,"end":28.980001,"sentiment":"neutral","sentiment_score":0.12097590416669846}],"sentiment":"neutral","sentiment_score":0.1452840520069003,"num_words":32,"start":14.16,"end":28.980001},{"sentences":[{"text":"Fantastic.","start":28.980001,"end":29.480001,"sentiment":"positive","sentiment_score":0.411902368068695},{"text":"Have I got you at a good time?","start":29.78,"end":31.400002,"sentiment":"neutral","sentiment_score":0.18145320378243923},{"text":"Perfect.","start":36.02,"end":36.52,"sentiment":"positive","sentiment_score":0.5172887444496155},{"text":"Good.","start":36.58,"end":36.9,"sentiment":"positive","sentiment_score":0.5008252859115601},{"text":"I'm glad I caught you.","start":36.9,"end":38.36,"sentiment":"positive","sentiment_score":0.5948747158050537}],"sentiment":"positive","sentiment_score":0.3660009754821658,"num_words":16,"start":28.980001,"end":38.36},{"sentences":[{"text":"Well, before I tell you what I do, just need to let you know our calls are recorded, if that's okay.","start":38.58,"end":42.52,"sentiment":"neutral","sentiment_score":0.010557609754392789},{"text":"Fantastic.","start":44.164997,"end":44.664997,"sentiment":"positive","sentiment_score":0.4781215190887451},{"text":"So as I said, the I'm a financial planner, so I've I'm I'm registered with Afic, and I am, I guess, duly authorized to be able to provide financial advice.","start":45.605,"end":56.504997,"sentiment":"neutral","sentiment_score":0.14340673213203747},{"text":"I've done quite a lot of study in my in my years, and and I've been in the industry for well over a decade.","start":57.284996,"end":64.7,"sentiment":"neutral","sentiment_score":0.08817646652460098},{"text":"Now my whole role is to work for you.","start":65.4,"end":69.659996,"sentiment":"neutral","sentiment_score":0.03224333168731795}],"sentiment":"neutral","sentiment_score":0.08715833493727533,"num_words":85,"start":38.58,"end":69.659996},{"sentences":[{"text":"So every piece of advice I give and and every client I speak to is very different, and that's purely and simply because every client needs change.","start":69.88,"end":78.345,"sentiment":"neutral","sentiment_score":-0.014897975794695041},{"text":"So the goals that you have set out for yourself are gonna be different to anyone else else's goals.","start":78.645004,"end":84.665,"sentiment":"neutral","sentiment_score":-0.03199700491600915},{"text":"So I've had a look at all the information that you've given, which thank you so much.","start":86.28001,"end":89.96001,"sentiment":"neutral","sentiment_score":0.29653098828652324},{"text":"You've you've definitely outlined things fantastically, which is nice.","start":89.96001,"end":93.9,"sentiment":"positive","sentiment_score":0.583743691444397},{"text":"And I guess I just wanna, I guess, learn you a little bit more and make sure that I am acting, you know, in a way that's gonna benefit you and and and work for you long time long term.","start":94.44,"end":105.385,"sentiment":"neutral","sentiment_score":0.21385643854737282}],"sentiment":"neutral","sentiment_score":0.15927490290986107,"num_words":112,"start":69.88,"end":105.385},{"sentences":[{"text":"Now I understand goals wise, you're wanting to travel back to Africa and and go and, you know, explore.","start":106.485,"end":117.18,"sentiment":"neutral","sentiment_score":0.03144300135930902},{"text":"Is that something that you're wanting sort of financial advice on with respect to budgeting for it, or is that something you're just saving away for?","start":119.16,"end":126.92,"sentiment":"neutral","sentiment_score":-0.0215182789386465},{"text":"It's just a personal call you have for yourself.","start":126.92,"end":128.94,"sentiment":"neutral","sentiment_score":0.010726338976787198},{"text":"Yes.","start":132.985,"end":133.485,"sentiment":"neutral","sentiment_score":0.12303948402404784},{"text":"No.","start":134.825,"end":135.065,"sentiment":"neutral","sentiment_score":0.15909966826438904}],"sentiment":"neutral","sentiment_score":0.007439606723242572,"num_words":56,"start":106.485,"end":135.065},{"sentences":[{"text":"That's beautiful.","start":135.065,"end":136.125,"sentiment":"positive","sentiment_score":0.5543470680713654},{"text":"I I've been to Africa before on a safari.","start":136.345,"end":139.30501,"sentiment":"neutral","sentiment_score":0.30349158081743455},{"text":"I I can tikked in in my in my youth and my four kids, and it was gorgeous.","start":139.30501,"end":145.70001,"sentiment":"neutral","sentiment_score":0.31007935106754303},{"text":"Absolutely gorgeous.","start":146.0,"end":146.90001,"sentiment":"positive","sentiment_score":0.5575444847345352},{"text":"Yeah.","start":149.44,"end":149.94,"sentiment":"positive","sentiment_score":0.359566330909729}],"sentiment":"positive","sentiment_score":0.34050631197169423,"num_words":32,"start":135.065,"end":149.94},{"sentences":[{"text":"Yeah.","start":153.92001,"end":154.42001,"sentiment":"positive","sentiment_score":0.36322522163391113},{"text":"Go and see the sights, and, honestly, Zimbabwe is gorgeous, and the animals are phenomenal.","start":154.64,"end":163.075,"sentiment":"positive","sentiment_score":0.5537579119205475},{"text":"Like, you see the TV and, like, you know, you see them on TV and they are just nothing compared to what they're like in real life.","start":163.455,"end":169.875,"sentiment":"neutral","sentiment_score":0.24655369972741162},{"text":"Like, it's beautiful and anyway so aside from that, you're you're wanting to sort of look at getting as much out of your superannuation as you can.","start":170.25499,"end":183.83,"sentiment":"neutral","sentiment_score":0.1973286105526818},{"text":"You have a bit of a goal to wanna try and get your balance to 400,000 plus before you hit retirement.","start":183.97,"end":190.80501,"sentiment":"neutral","sentiment_score":0.15143567465600513}],"sentiment":"neutral","sentiment_score":0.2619183016019863,"num_words":91,"start":153.92001,"end":190.80501},{"sentences":[{"text":"Yeah.","start":192.705,"end":193.18501,"sentiment":"neutral","sentiment_score":0.0849580317735672},{"text":"No.","start":193.18501,"end":193.68501,"sentiment":"neutral","sentiment_score":-0.03186548873782158},{"text":"Perfect.","start":196.38501,"end":196.88501,"sentiment":"neutral","sentiment_score":0.17208172380924225},{"text":"No.","start":196.945,"end":197.18501,"sentiment":"neutral","sentiment_score":-0.02592727169394493},{"text":"Absolutely.","start":197.18501,"end":197.68501,"sentiment":"neutral","sentiment_score":0.01263362169265747}],"sentiment":"neutral","sentiment_score":0.04237612336874008,"num_words":5,"start":192.705,"end":197.68501},{"sentences":[{"text":"Now I see that you have a retirement age of 67.","start":197.74501,"end":200.59001,"sentiment":"neutral","sentiment_score":-0.025295634838667782},{"text":"Can I ask, is that a designated age that you believe you wanna retire or an age that you feel you're forced?","start":200.59001,"end":207.49,"sentiment":"neutral","sentiment_score":-0.056782551617784935},{"text":"You'll be done.","start":215.93501,"end":216.91501,"sentiment":"neutral","sentiment_score":-0.19476192196210226},{"text":"Yeah.","start":222.175,"end":222.675,"sentiment":"neutral","sentiment_score":-0.12128491699695589},{"text":"K.","start":233.47,"end":233.87,"sentiment":"neutral","sentiment_score":-0.039311397820711136}],"sentiment":"neutral","sentiment_score":-0.0597986894610681,"num_words":38,"start":197.74501,"end":233.87},{"sentences":[{"text":"I'm still following along.","start":233.87,"end":235.17,"sentiment":"neutral","sentiment_score":0.151664849370718},{"text":"Yeah.","start":247.385,"end":247.885,"sentiment":"neutral","sentiment_score":0.012029821053147316},{"text":"No.","start":247.94499,"end":248.185,"sentiment":"neutral","sentiment_score":-0.04297024384140968},{"text":"That's okay.","start":248.185,"end":248.745,"sentiment":"neutral","sentiment_score":0.07567130774259567},{"text":"So I I I guess I just wanna make sure that, like, clarification and education purposes.","start":248.745,"end":253.59,"sentiment":"neutral","sentiment_score":0.11051230924203992}],"sentiment":"neutral","sentiment_score":0.10396910575218499,"num_words":24,"start":233.87,"end":253.59},{"sentences":[{"text":"So 65 sorry.","start":253.97,"end":255.56999,"sentiment":"neutral","sentiment_score":0.02376064658164978},{"text":"67 is the age that a lot of people focus on as retirement because the age that the age pension becomes available.","start":255.56999,"end":262.71,"sentiment":"neutral","sentiment_score":0.007544155232608318},{"text":"For superannuation, you can actually start accessing super from age 60 with some restrictions.","start":264.07498,"end":269.29498,"sentiment":"neutral","sentiment_score":0.14579846869621957},{"text":"And then from 65, it's pretty much, like, open irrespective of what your work circumstances look like.","start":269.755,"end":275.375,"sentiment":"neutral","sentiment_score":0.10775999900172739},{"text":"So I just wanna make sure, I guess, you have those ages in mind just so I guess, if something happens or realistically speaking, within the next three years, because you have the same birthday as my mother.","start":276.235,"end":288.59,"sentiment":"neutral","sentiment_score":0.11320352456287334}],"sentiment":"neutral","sentiment_score":0.08949027481944637,"num_words":94,"start":253.97,"end":288.59},{"sentences":[{"text":"She's a little bit older than you, but no.","start":290.09,"end":295.42502,"sentiment":"neutral","sentiment_score":0.0012845148642857901},{"text":"I shard.","start":295.42502,"end":295.98502,"sentiment":"negative","sentiment_score":-0.3846501111984253},{"text":"Never do.","start":295.98502,"end":296.625,"sentiment":"negative","sentiment_score":-0.39705274999141693},{"text":"Poor love.","start":296.625,"end":297.105,"sentiment":"negative","sentiment_score":-0.42165304720401764},{"text":"She often falls on Mother's Day.","start":297.105,"end":298.805,"sentiment":"neutral","sentiment_score":-0.13123929873108864}],"sentiment":"neutral","sentiment_score":-0.1515517607331276,"num_words":21,"start":290.09,"end":298.805},{"sentences":[{"text":"So, yeah, the the the you like, you know, you turn you turn 57 this year, and realistically speaking, within the next three years, we could do some pretty cool tax saving strategies around, you know, minimizing tax and stuff like that through using your superannuation as a tax vehicle while not minimizing your income.","start":300.785,"end":324.285,"sentiment":"neutral","sentiment_score":0.18586628579280592},{"text":"That's obviously an important aspect.","start":324.665,"end":326.605,"sentiment":"neutral","sentiment_score":0.28161569237709044},{"text":"It's something to look for look forward to in three years' time.","start":326.98502,"end":329.465,"sentiment":"positive","sentiment_score":0.36169055352608365},{"text":"Always love trying to, you know, use the loopholes we can to pay the least amount of tax possible.","start":329.465,"end":335.085,"sentiment":"positive","sentiment_score":0.34154918789863586},{"text":"But, yeah, that's something to look forward.","start":336.49,"end":338.99,"sentiment":"positive","sentiment_score":0.39271194594247}],"sentiment":"neutral","sentiment_score":0.25723907157626685,"num_words":98,"start":300.785,"end":338.99},{"sentences":[{"text":"Now I know that in retirement, you were saying you wanted a sort of an income around a thousand dollars a week.","start":339.37,"end":343.87,"sentiment":"neutral","sentiment_score":0.20420446382327515},{"text":"I can see that currently you're on, like, $94,000 a year.","start":344.09,"end":348.51,"sentiment":"neutral","sentiment_score":0.18463462049310858},{"text":"So those numbers are a little bit, I guess, skewed from each other.","start":349.13,"end":353.595,"sentiment":"neutral","sentiment_score":-0.04543814120384363},{"text":"No.","start":358.375,"end":358.695,"sentiment":"neutral","sentiment_score":-0.30062592029571533},{"text":"That's okay.","start":358.695,"end":359.435,"sentiment":"neutral","sentiment_score":-0.1446228176355362}],"sentiment":"neutral","sentiment_score":0.10903901302692842,"num_words":49,"start":339.37,"end":359.435},{"sentences":[{"text":"Yeah.","start":366.22998,"end":366.71,"sentiment":"neutral","sentiment_score":-0.118203267455101},{"text":"No.","start":366.71,"end":366.87,"sentiment":"neutral","sentiment_score":-0.24935832619667053},{"text":"I know.","start":366.87,"end":367.27,"sentiment":"neutral","sentiment_score":-0.22276084125041962},{"text":"Sometimes it's hard when someone's, like, ask the questions flat out.","start":367.27,"end":370.78998,"sentiment":"negative","sentiment_score":-0.3753864060748707},{"text":"Realistically speaking, what your income looks like right now net, so after you after the tax was taken out, you're on about 1,400 a week.","start":370.78998,"end":378.49,"sentiment":"neutral","sentiment_score":-0.013170357346534729}],"sentiment":"neutral","sentiment_score":-0.13178981691598893,"num_words":40,"start":366.22998,"end":378.49},{"sentences":[{"text":"Now that's out of your your 94,000.","start":380.01498,"end":382.275,"sentiment":"neutral","sentiment_score":-0.09476942888328008},{"text":"You earned about 73 and some change after tax, and, you know, it's about 14,000 sorry, 1,400 in your pocket.","start":382.57498,"end":392.115,"sentiment":"neutral","sentiment_score":0.15002462789416313},{"text":"Now I have here that you're saving pretty consistently $200 a week.","start":392.175,"end":397.08,"sentiment":"neutral","sentiment_score":0.323670145124197},{"text":"So, realistically speaking, that indicates to me that your current needs so, you know, what you're actually spending per week outside of what you're saving is about $1,200 per week.","start":397.08,"end":409.885,"sentiment":"neutral","sentiment_score":0.12450087542335192},{"text":"And that would be across, you know, any of the the bills and stuff that you have, you know, discretionary spending as well, I am sure.","start":410.825,"end":418.845,"sentiment":"neutral","sentiment_score":0.10193050280213356}],"sentiment":"neutral","sentiment_score":0.13269860666049155,"num_words":95,"start":380.01498,"end":418.845},{"sentences":[{"text":"Now one of the questions I did wanna ask, because we have a car, we have a savings, we have a credit card.","start":420.02502,"end":425.74,"sentiment":"neutral","sentiment_score":0.041641589740048286},{"text":"Currently, living wise, are we renting?","start":427.0,"end":430.54,"sentiment":"neutral","sentiment_score":-0.0231334309404095},{"text":"Do we house share with family?","start":430.6,"end":432.68,"sentiment":"neutral","sentiment_score":-0.04717354600628217},{"text":"What's our living circumstances?","start":432.68,"end":433.97998,"sentiment":"neutral","sentiment_score":-0.07206073589622974},{"text":"Yeah.","start":438.615,"end":439.115,"sentiment":"neutral","sentiment_score":0.03696084767580032}],"sentiment":"neutral","sentiment_score":0.007115815160796046,"num_words":40,"start":420.02502,"end":439.115},{"sentences":[{"text":"Yeah.","start":447.43002,"end":447.93002,"sentiment":"neutral","sentiment_score":-0.037615712732076645},{"text":"Yeah.","start":457.75,"end":458.25,"sentiment":"neutral","sentiment_score":0.013818491250276566},{"text":"Yeah.","start":482.66,"end":482.82,"sentiment":"neutral","sentiment_score":0.05653565749526024},{"text":"Yeah.","start":482.82,"end":482.98,"sentiment":"neutral","sentiment_score":0.061706945300102234},{"text":"So you'll you're gonna go on the mortgage as a as a secondary, like, purchaser or a guarantor.","start":482.98,"end":490.165,"sentiment":"neutral","sentiment_score":0.09305387983719508}],"sentiment":"neutral","sentiment_score":0.0804279644719579,"num_words":22,"start":447.43002,"end":490.165},{"sentences":[{"text":"Yeah.","start":494.945,"end":495.445,"sentiment":"neutral","sentiment_score":0.06281230598688126},{"text":"Yeah.","start":498.4,"end":498.63998,"sentiment":"neutral","sentiment_score":0.07545879483222961},{"text":"Yeah.","start":498.63998,"end":498.88,"sentiment":"neutral","sentiment_score":0.07833752036094666},{"text":"For serviceability.","start":498.88,"end":499.62,"sentiment":"neutral","sentiment_score":0.11601212248206139},{"text":"Okay.","start":499.91998,"end":500.41998,"sentiment":"neutral","sentiment_score":0.12332695722579956}],"sentiment":"neutral","sentiment_score":0.09532663722832997,"num_words":6,"start":494.945,"end":500.41998},{"sentences":[{"text":"Is that an option for you to be able to move in and, like, live with her or no.","start":502.08,"end":506.96,"sentiment":"neutral","sentiment_score":0.06063788972402874},{"text":"That's okay.","start":506.96,"end":507.69998,"sentiment":"neutral","sentiment_score":-0.07790142297744751},{"text":"Fair enough.","start":509.935,"end":510.67502,"sentiment":"neutral","sentiment_score":-0.08134515583515167},{"text":"No.","start":516.815,"end":517.055,"sentiment":"neutral","sentiment_score":-0.14551162719726562},{"text":"That's completely no.","start":517.055,"end":527.95,"sentiment":"neutral","sentiment_score":-0.19489561518033346}],"sentiment":"neutral","sentiment_score":0.003830676829373394,"num_words":27,"start":502.08,"end":527.95},{"sentences":[{"text":"That's okay.","start":527.95,"end":528.58997,"sentiment":"neutral","sentiment_score":-0.04688285291194916},{"text":"Alright.","start":528.58997,"end":528.99,"sentiment":"neutral","sentiment_score":0.0910145491361618},{"text":"So you're quite comfortable renting, and, obviously, we just need to make sure that we have the income to be able to support your rental needs.","start":528.99,"end":535.71497,"sentiment":"neutral","sentiment_score":0.16175756775415862},{"text":"That's fine.","start":535.71497,"end":536.455,"sentiment":"neutral","sentiment_score":0.20536509901285172},{"text":"Perfect.","start":536.515,"end":537.015,"sentiment":"positive","sentiment_score":0.5300487875938416}],"sentiment":"neutral","sentiment_score":0.16074139345437288,"num_words":32,"start":527.95,"end":537.015},{"sentences":[{"text":"And then what you're looking for in your retirement is basically the ability to just travel, enjoy yourself.","start":538.995,"end":545.015,"sentiment":"neutral","sentiment_score":0.3301491505569882},{"text":"I love yeah.","start":548.21,"end":557.19,"sentiment":"neutral","sentiment_score":0.20884349942207336},{"text":"Yeah.","start":561.10504,"end":561.60504,"sentiment":"neutral","sentiment_score":0.09734772890806198},{"text":"You you wanna basically have the ability to to say, you know, you have the $20,000 each year that's in excess of what your income needs are to be able to realistically go and travel and do do what you wanna do.","start":565.905,"end":583.13995,"sentiment":"neutral","sentiment_score":0.21417353745727313},{"text":"Perfect.","start":588.43506,"end":588.93506,"sentiment":"positive","sentiment_score":0.586821973323822}],"sentiment":"neutral","sentiment_score":0.2499795920573748,"num_words":65,"start":538.995,"end":588.93506},{"sentences":[{"text":"Okay.","start":589.155,"end":589.655,"sentiment":"positive","sentiment_score":0.4664278626441955},{"text":"Now that's fantastic, and that gives me a really, really good scope of things, which is fantastic.","start":590.195,"end":598.5,"sentiment":"positive","sentiment_score":0.7357309039901284},{"text":"Now with regards to your occupation, I can see that we're 100% office space.","start":599.36005,"end":609.765,"sentiment":"neutral","sentiment_score":0.15975745927010263},{"text":"We've we've worked there for a good number of years, which is great.","start":609.765,"end":613.865,"sentiment":"neutral","sentiment_score":0.22897696265807518},{"text":"So I assume we have some decent annual long service leave built up.","start":614.405,"end":617.945,"sentiment":"neutral","sentiment_score":0.09144074699053398}],"sentiment":"positive","sentiment_score":0.334067032511892,"num_words":58,"start":589.155,"end":617.945},{"sentences":[{"text":"Yeah.","start":619.445,"end":619.945,"sentiment":"neutral","sentiment_score":0.0804286003112793},{"text":"Perfect.","start":621.125,"end":621.625,"sentiment":"neutral","sentiment_score":0.13288144767284393},{"text":"Of of sick of annual late.","start":624.99005,"end":626.59,"sentiment":"neutral","sentiment_score":-0.07292448232571284},{"text":"Sorry.","start":626.59,"end":627.09,"sentiment":"neutral","sentiment_score":-0.05916517227888107},{"text":"Oh, wow.","start":631.79004,"end":632.27,"sentiment":"neutral","sentiment_score":-0.045128246769309044}],"sentiment":"neutral","sentiment_score":-0.033968955617059364,"num_words":11,"start":619.445,"end":632.27},{"sentences":[{"text":"They they perroder it.","start":632.27,"end":634.37006,"sentiment":"neutral","sentiment_score":-0.14346471056342125},{"text":"Beautiful.","start":638.845,"end":639.345,"sentiment":"neutral","sentiment_score":0.28904634714126587},{"text":"Oh, lovely.","start":641.725,"end":642.305,"sentiment":"neutral","sentiment_score":0.2727438658475876},{"text":"Absolutely 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about?","start":663.955,"end":669.41504,"sentiment":"neutral","sentiment_score":-0.012785036737720171},{"text":"Perfect.","start":679.49005,"end":679.99005,"sentiment":"neutral","sentiment_score":0.13480089604854584},{"text":"Yes.","start":680.05005,"end":680.55005,"sentiment":"neutral","sentiment_score":0.05577519163489342}],"sentiment":"neutral","sentiment_score":0.019607202516812267,"num_words":33,"start":657.41,"end":680.55005},{"sentences":[{"text":"Yes.","start":689.185,"end":689.505,"sentiment":"neutral","sentiment_score":0.014607499353587627},{"text":"Yeah.","start":689.505,"end":689.665,"sentiment":"neutral","sentiment_score":0.003503897227346897},{"text":"No.","start":689.665,"end":689.90497,"sentiment":"neutral","sentiment_score":-0.01590581052005291},{"text":"I see that you you pay about $2,600 a year as salary sacrifice.","start":689.90497,"end":694.96497,"sentiment":"neutral","sentiment_score":-0.007748433818610815},{"text":"Yes.","start":700.64,"end":700.96,"sentiment":"neutral","sentiment_score":0.01957010477781296}],"sentiment":"neutral","sentiment_score":-0.004644349929602707,"num_words":17,"start":689.185,"end":700.96},{"sentences":[{"text":"Yeah.","start":700.96,"end":701.2,"sentiment":"neutral","sentiment_score":0.02069162204861641},{"text":"Yeah.","start":701.2,"end":701.52,"sentiment":"neutral","sentiment_score":0.0217447429895401},{"text":"Which is yeah.","start":701.52,"end":702.42,"sentiment":"neutral","sentiment_score":0.02233804700275262},{"text":"$20.20 yeah.","start":702.56,"end":703.83997,"sentiment":"neutral","sentiment_score":0.027667762711644173},{"text":"2,600 across the year.","start":703.83997,"end":705.68,"sentiment":"neutral","sentiment_score":0.04534520860761404}],"sentiment":"neutral","sentiment_score":0.031469715081832626,"num_words":11,"start":700.96,"end":705.68},{"sentences":[{"text":"Perfect.","start":705.68,"end":706.18,"sentiment":"neutral","sentiment_score":0.16822278499603271},{"text":"Oh, beautiful.","start":712.935,"end":713.755,"sentiment":"neutral","sentiment_score":0.227374367415905},{"text":"A hundred and fifty four hours of combined long service and sick leave.","start":713.815,"end":717.415,"sentiment":"neutral","sentiment_score":0.13039871878348863},{"text":"That's amazing.","start":717.415,"end":718.155,"sentiment":"positive","sentiment_score":0.35332874953746796},{"text":"And your sick leave?","start":727.59,"end":728.81,"sentiment":"neutral","sentiment_score":0.0020510456524789333}],"sentiment":"neutral","sentiment_score":0.1378643884408203,"num_words":22,"start":705.68,"end":728.81},{"sentences":[{"text":"Beautiful.","start":730.31,"end":730.81,"sentiment":"neutral","sentiment_score":0.19773927330970764},{"text":"So is your sick leave included in that $8.54?","start":730.87,"end":734.17004,"sentiment":"neutral","sentiment_score":-0.01794102643099096},{"text":"Beautiful.","start":736.40497,"end":736.90497,"sentiment":"positive","sentiment_score":0.7503577470779419},{"text":"Amazing.","start":737.125,"end":737.625,"sentiment":"positive","sentiment_score":0.8062218427658081},{"text":"Very good.","start":741.52496,"end":742.40497,"sentiment":"positive","sentiment_score":0.7919171154499054}],"sentiment":"neutral","sentiment_score":0.22690598972673928,"num_words":14,"start":730.31,"end":742.40497},{"sentences":[{"text":"That's lovely.","start":742.40497,"end":743.46497,"sentiment":"positive","sentiment_score":0.8106804192066193},{"text":"Amazing.","start":745.365,"end":745.845,"sentiment":"positive","sentiment_score":0.6635327339172363},{"text":"Now I can see that we have $35,000 sitting in the savings account.","start":745.845,"end":748.96497,"sentiment":"neutral","sentiment_score":0.16206917395958534},{"text":"Does that currently have a, I guess, an earmarked direction for it?","start":748.96497,"end":755.78,"sentiment":"neutral","sentiment_score":0.059266898315399885},{"text":"Are we is that what we're what just saving?","start":755.78,"end":759.24,"sentiment":"neutral","sentiment_score":-0.027527144385708704}],"sentiment":"neutral","sentiment_score":0.13122300848968932,"num_words":37,"start":742.40497,"end":759.24},{"sentences":[{"text":"Yep.","start":765.875,"end":766.375,"sentiment":"neutral","sentiment_score":0.02730409801006317},{"text":"Okay.","start":771.075,"end":771.575,"sentiment":"neutral","sentiment_score":0.03498861938714981},{"text":"Do you wanna look at investing it for your, like, some of it for yourself?","start":772.275,"end":775.88,"sentiment":"neutral","sentiment_score":0.058066892251372335},{"text":"Would you wanna look at keeping it?","start":775.88,"end":777.32,"sentiment":"neutral","sentiment_score":0.032851423269936016},{"text":"I understand you need to like, you need to travel back to New Zealand in July, so there's obviously expenses that come with that and that we have the, you know, the Africa travel as well.","start":777.32,"end":789.5,"sentiment":"neutral","sentiment_score":-0.01755891807584299}],"sentiment":"neutral","sentiment_score":0.00885225022211671,"num_words":60,"start":765.875,"end":789.5},{"sentences":[{"text":"Do you wanna look at investing that to maybe help with traveling to Africa?","start":790.575,"end":794.835,"sentiment":"neutral","sentiment_score":0.019294509597654854},{"text":"Or yeah.","start":795.055,"end":801.715,"sentiment":"neutral","sentiment_score":-0.017423258163034916},{"text":"Beautiful.","start":819.245,"end":819.745,"sentiment":"neutral","sentiment_score":0.22633814811706543},{"text":"I mean, we could probably look at doing a little bit better, but it's good that you like, you're incur like, you're getting decent interest on it.","start":820.365,"end":827.485,"sentiment":"neutral","sentiment_score":0.12563523953711545},{"text":"It's not, you know, 3¢, which is good.","start":827.485,"end":831.35,"sentiment":"neutral","sentiment_score":0.014574354048818348}],"sentiment":"neutral","sentiment_score":0.07756444533337273,"num_words":52,"start":790.575,"end":831.35},{"sentences":[{"text":"Obviously, yeah, with possibility of purchasing a house in the next couple of months, we'll we we can hold off on making any drastic changes to the finances yet, and then we can have a look at things, you know, maybe in the new in the financial year or, you know, maybe give it six six months until things settle down, and and we can have a look at, you know, possibly, like, doing a bit of an investment with with those funds or with some of those funds depending on what's left over just to help you help you to be able to do the travel and everything like that.","start":831.49,"end":866.31,"sentiment":"neutral","sentiment_score":0.10832601137929135},{"text":"Perfect.","start":867.64996,"end":868.14996,"sentiment":"positive","sentiment_score":0.7036161422729492},{"text":"Now at the moment, you you have your Australian Retirement Trust account, and you have the life and the total permanent disability insurance that are held within that fund.","start":868.52997,"end":878.495,"sentiment":"neutral","sentiment_score":0.22391401847888684},{"text":"Now one of the biggest things that I always wanna do is I wanna make sure that I don't affect someone's insurance.","start":878.795,"end":886.395,"sentiment":"neutral","sentiment_score":0.2348842756314711},{"text":"So I wanna make sure that if it's important to you that we we we keep it 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daughters?","start":912.015,"end":924.48004,"sentiment":"neutral","sentiment_score":0.18539052647424908},{"text":"How many if if you don't mind me asking, how many kids do you have?","start":924.48004,"end":927.62,"sentiment":"neutral","sentiment_score":0.022901015852888427},{"text":"Oh, beautiful.","start":929.84,"end":930.4,"sentiment":"positive","sentiment_score":0.5937138199806213}],"sentiment":"neutral","sentiment_score":0.2598748229478204,"num_words":109,"start":891.76996,"end":930.4},{"sentences":[{"text":"I went for the third.","start":930.4,"end":931.54004,"sentiment":"neutral","sentiment_score":0.28990421295166013},{"text":"Two boys and two boys and a girl.","start":932.24005,"end":934.18,"sentiment":"neutral","sentiment_score":0.05382873537018895},{"text":"It created extra chaos for me.","start":934.245,"end":936.985,"sentiment":"neutral","sentiment_score":-0.28652845819791156},{"text":"Yeah.","start":946.66003,"end":947.16003,"sentiment":"neutral","sentiment_score":0.0027270130813121796},{"text":"Alright.","start":947.22003,"end":947.62,"sentiment":"neutral","sentiment_score":0.06870631128549576}],"sentiment":"neutral","sentiment_score":0.011067310614245278,"num_words":21,"start":930.4,"end":947.62},{"sentences":[{"text":"That that's okay.","start":947.62,"end":948.42,"sentiment":"neutral","sentiment_score":0.20096065600713095},{"text":"Because, I mean, realistically, if something were to happen to you tomorrow, the car's there, the savings account's there, the you know, your superannuation balance is and can form part of your estate.","start":948.42,"end":959.4,"sentiment":"neutral","sentiment_score":0.10463708458524762},{"text":"So that's, you know, basically, let's just call it $218,000 split between them.","start":959.585,"end":964.385,"sentiment":"neutral","sentiment_score":0.08925192946424851},{"text":"That's over a $100,000 each that they would receive plus the $36,000 in in life insurance.","start":964.385,"end":970.325,"sentiment":"neutral","sentiment_score":0.14874714938923717},{"text":"Now, like, you know, they are adult children, so that's just gonna give them a boost to their life financially.","start":973.17,"end":981.51,"sentiment":"positive","sentiment_score":0.48410878479480746}],"sentiment":"neutral","sentiment_score":0.2032742462175734,"num_words":85,"start":947.62,"end":981.51},{"sentences":[{"text":"But I think the biggest part is is with total current disability, if anything were to happen to you, it's the possibility of being a financial burden, not having enough to to support you.","start":982.05,"end":992.165,"sentiment":"negative","sentiment_score":-0.37105527158607454},{"text":"So what I can look at is making sure that, you know, I'm covering off your income needs when it comes to, you know, you being able to to support yourself if you were to not have an income anymore and what that might look like.","start":992.225,"end":1008.54004,"sentiment":"neutral","sentiment_score":-0.05754705607567145},{"text":"I'm obviously gonna take into consideration wanting to focus more on growing our super funds than on having insurance premiums in place.","start":1008.54004,"end":1017.475,"sentiment":"neutral","sentiment_score":0.054141605526886204},{"text":"I don't wanna be costing, you know, an arm and a leg of premiums that are not necessarily, you know, gonna be used.","start":1017.615,"end":1025.235,"sentiment":"neutral","sentiment_score":-0.10339602034377016},{"text":"But it's like car insurance.","start":1026.55,"end":1027.59,"sentiment":"neutral","sentiment_score":-0.05536369159817696}],"sentiment":"neutral","sentiment_score":-0.12866811859779634,"num_words":130,"start":982.05,"end":1027.59},{"sentences":[{"text":"Sometimes we pay our premiums, we don't need it, and then other times, you know We do.","start":1027.59,"end":1032.01,"sentiment":"neutral","sentiment_score":-0.06732756381525713},{"text":"Very much so.","start":1032.87,"end":1033.99,"sentiment":"neutral","sentiment_score":-0.11339045067628224},{"text":"So I'll have a look at what that might look like.","start":1033.99,"end":1036.23,"sentiment":"neutral","sentiment_score":-0.020047143609686333},{"text":"The good thing is is you're in a nice sedentary office based role.","start":1036.23,"end":1039.4501,"sentiment":"neutral","sentiment_score":0.25335011459313905},{"text":"So, you know, you've you've got good occupation behind you for for any any insurance application there.","start":1039.59,"end":1047.2151,"sentiment":"neutral","sentiment_score":0.22046848693314722}],"sentiment":"neutral","sentiment_score":0.0874796270652384,"num_words":61,"start":1027.59,"end":1047.2151},{"sentences":[{"text":"I did just wanna ask you.","start":1047.355,"end":1048.475,"sentiment":"neutral","sentiment_score":0.0676322461416324},{"text":"I know that you already disclosed, like, no medical history, but I just wanted to confirm, did you like, you've like, have you ever had a surgery, or do you take any form of medication?","start":1048.475,"end":1059.0399,"sentiment":"neutral","sentiment_score":0.0022686383820005825},{"text":"Yep.","start":1064.23,"end":1064.73,"sentiment":"neutral","sentiment_score":0.0012802773853763938},{"text":"That's that's fine.","start":1068.715,"end":1070.655,"sentiment":"neutral","sentiment_score":0.04410886795570453},{"text":"No one's gonna mind about that one.","start":1071.115,"end":1073.0549,"sentiment":"neutral","sentiment_score":-0.039175771708999364}],"sentiment":"neutral","sentiment_score":0.0066263903751790235,"num_words":52,"start":1047.355,"end":1073.0549},{"sentences":[{"text":"Have you ever had an insurance claim before, like, claimed on any form of insurance policy?","start":1074.955,"end":1078.975,"sentiment":"neutral","sentiment_score":-0.04563848942052573},{"text":"No.","start":1080.49,"end":1080.99,"sentiment":"neutral","sentiment_score":-0.060023099184036255},{"text":"And no, you know, mental health concerns?","start":1081.37,"end":1083.95,"sentiment":"neutral","sentiment_score":-0.06731396594217845},{"text":"No time off work for any bullying, harassment, anything like that?","start":1084.25,"end":1088.57,"sentiment":"neutral","sentiment_score":-0.1124963482672518},{"text":"No.","start":1088.57,"end":1089.07,"sentiment":"neutral","sentiment_score":0.08245255798101425}],"sentiment":"neutral","sentiment_score":-0.06712344345740145,"num_words":36,"start":1074.955,"end":1089.07},{"sentences":[{"text":"Fantastic.","start":1089.77,"end":1090.27,"sentiment":"neutral","sentiment_score":0.23465287685394287},{"text":"I love it.","start":1090.65,"end":1091.47,"sentiment":"positive","sentiment_score":0.8568926254908243},{"text":"Alright.","start":1091.975,"end":1092.295,"sentiment":"positive","sentiment_score":0.6403118968009949},{"text":"Perfect.","start":1092.295,"end":1092.795,"sentiment":"positive","sentiment_score":0.7534681558609009},{"text":"Well, I'll have a look at look into all of that and and see where we land with the insurance outcomes.","start":1092.935,"end":1098.475,"sentiment":"neutral","sentiment_score":0.1897474236431576}],"sentiment":"neutral","sentiment_score":0.3031039519442452,"num_words":27,"start":1089.77,"end":1098.475},{"sentences":[{"text":"I'll look at, you know, what kind of amounts that we might look like, you know, how I'll factor in how much we need.","start":1099.175,"end":1106.6599,"sentiment":"neutral","sentiment_score":0.007827858227149894},{"text":"Probably looking around, you know, your income, you know, multiplied by a few years to to make sure that, you know, you have income that's gonna support you.","start":1107.0399,"end":1117.94,"sentiment":"neutral","sentiment_score":0.0382487158557134},{"text":"And then, obviously, factoring in any lump sum benefits that we could could be able to obtain as well, like your superannuation balance, stuff like that.","start":1118.5599,"end":1125.655,"sentiment":"neutral","sentiment_score":0.0779260121859037},{"text":"So I'll have a look at that.","start":1126.595,"end":1128.135,"sentiment":"neutral","sentiment_score":0.03603563989911761},{"text":"Now I have you scheduled in for Monday.","start":1128.275,"end":1133.415,"sentiment":"neutral","sentiment_score":0.050062280148267746}],"sentiment":"neutral","sentiment_score":0.04234039439489284,"num_words":93,"start":1099.175,"end":1133.415},{"sentences":[{"text":"Leave things with me and see how I go, but would you be amenable to maybe meeting with me Tuesday just because I do know that I have a bit of a crazy last couple of days of the week, and I wanna make sure that I can obviously do things justice.","start":1135.59,"end":1148.89,"sentiment":"neutral","sentiment_score":0.03481172157738071},{"text":"But I just have a funny feeling you have Monday off work.","start":1149.2051,"end":1151.785,"sentiment":"neutral","sentiment_score":-0.06275893033792575},{"text":"Yeah.","start":1153.2051,"end":1153.7051,"sentiment":"neutral","sentiment_score":0.03077683597803116},{"text":"Alright.","start":1156.0851,"end":1156.5651,"sentiment":"neutral","sentiment_score":0.09572573006153108},{"text":"That's okay.","start":1156.5651,"end":1157.385,"sentiment":"neutral","sentiment_score":0.10642505809664726}],"sentiment":"neutral","sentiment_score":0.020536103532375657,"num_words":68,"start":1135.59,"end":1157.385},{"sentences":[{"text":"Flat out.","start":1158.885,"end":1159.7051,"sentiment":"neutral","sentiment_score":0.018455058336257935},{"text":"No.","start":1159.8451,"end":1160.0851,"sentiment":"neutral","sentiment_score":-0.05486315488815307},{"text":"That's okay.","start":1160.0851,"end":1160.645,"sentiment":"neutral","sentiment_score":0.014498440898023546},{"text":"Alright.","start":1160.645,"end":1160.9651,"sentiment":"neutral","sentiment_score":0.0718076080083847},{"text":"Well no.","start":1160.9651,"end":1165.51,"sentiment":"neutral","sentiment_score":0.037473550997674465}],"sentiment":"neutral","sentiment_score":0.01972481919801794,"num_words":8,"start":1158.885,"end":1165.51},{"sentences":[{"text":"That's okay.","start":1165.51,"end":1166.33,"sentiment":"neutral","sentiment_score":0.08922212570905685},{"text":"Well, leave things with me, and what I'll do is I'll give you a call Monday afternoon, probably around this same time, that sort of 03:30, 04:00, and we can chat there.","start":1166.39,"end":1175.445,"sentiment":"neutral","sentiment_score":0.059026143862865865},{"text":"Because I wanna make sure that I obviously dig deep and have a look at everything properly.","start":1175.445,"end":1178.805,"sentiment":"neutral","sentiment_score":0.17274122422232346},{"text":"I don't wanna rush through putting something together.","start":1178.805,"end":1181.625,"sentiment":"neutral","sentiment_score":0.06573558272793889},{"text":"And and I'll talk to you again on Monday.","start":1182.965,"end":1184.805,"sentiment":"neutral","sentiment_score":0.09080034246047337}],"sentiment":"neutral","sentiment_score":0.0933377854526043,"num_words":68,"start":1165.51,"end":1184.805},{"sentences":[{"text":"Alright?","start":1184.805,"end":1185.305,"sentiment":"neutral","sentiment_score":0.14067073166370392},{"text":"Absolutely.","start":1187.3,"end":1187.8,"sentiment":"neutral","sentiment_score":0.2673780024051666},{"text":"Was there any questions that you might have had for me while we were on the phone before Monday?","start":1187.86,"end":1192.28,"sentiment":"neutral","sentiment_score":0.04793913123246871},{"text":"No.","start":1197.06,"end":1197.56,"sentiment":"neutral","sentiment_score":-0.2440360188484192},{"text":"Good.","start":1200.355,"end":1200.855,"sentiment":"neutral","sentiment_score":0.1447765827178955}],"sentiment":"neutral","sentiment_score":0.05302751266761967,"num_words":23,"start":1184.805,"end":1200.855},{"sentences":[{"text":"No.","start":1200.915,"end":1201.155,"sentiment":"neutral","sentiment_score":-0.020710624754428864},{"text":"That's okay.","start":1201.155,"end":1201.7151,"sentiment":"neutral","sentiment_score":0.018729701085248962},{"text":"If you do have any questions when it comes to it, you know, either write them down or we'll chat on Monday, and we can go through from there.","start":1201.7151,"end":1208.035,"sentiment":"neutral","sentiment_score":0.07681686354094538},{"text":"Okay?","start":1208.035,"end":1208.535,"sentiment":"neutral","sentiment_score":0.08550373464822769},{"text":"Fantastic.","start":1210.4689,"end":1210.9689,"sentiment":"positive","sentiment_score":0.8752946853637695}],"sentiment":"neutral","sentiment_score":0.0942716541210436,"num_words":34,"start":1200.915,"end":1210.9689},{"sentences":[{"text":"A pleasure speaking to you, Sandra.","start":1211.5089,"end":1213.0488,"sentiment":"positive","sentiment_score":0.7644121746222178},{"text":"That's okay.","start":1213.3489,"end":1214.2489,"sentiment":"neutral","sentiment_score":0.22415855526924133},{"text":"We will.","start":1214.9489,"end":1215.6888,"sentiment":"neutral","sentiment_score":0.0647469274699688},{"text":"Bye.","start":1216.0688,"end":1216.5688,"sentiment":"neutral","sentiment_score":0.08812969923019409}],"sentiment":"positive","sentiment_score":0.4774921556765383,"num_words":11,"start":1211.5089,"end":1216.5688}]}}]},{"alternatives":[{"transcript":"Hi. Sandra speaking. Sorry. Good. Thanks. Yep. Yeah. No. That's fine. That's fine. I'm free at the moment. Yeah. That's fine. Okay. Sure. Mhmm. Sure. No. Yeah. That's that's just something that I I would like to like to do. Again, that's all. Yeah. Yeah. Yeah. Yeah. It was pretty special. Yeah. Pretty special. Yeah. I just oh, I just loved it. I just love to go back again if I could, you know. Yeah. Yeah. Well, that'd be nice. You know, if I could sort of double it, that'd be lovely. No. No. It's just that's just the retirement age. So I don't know. If if I win a lottery tomorrow, mate, who gives a shit? I'll be I'll be dumb and dusted. And and I won't I won't give a shit how much is it more in in, you know, super. But you gotta buy tickets to do that, so that's probably not gonna happen. So, basically, I I who knows? I you know, we've got a couple of blokes here at work that are still you know, they're 75. So yeah. You know, like, I don't know. I I don't know when when I'm going to retire, but theoretically, you know, around the 70 mark, I guess. Yep. Yep. Mhmm. Yep. Okay. Yep. Alright. Well, you won't forget her on Mother's Day then, will you? Okay. Yep. Okay. Yep. Yep. Yep. I I what what's yeah. What what is my thing now? I have no idea. I was like, well, it wouldn't rain. I was just sorta like, oh, shoot. I don't know. I just sort of plucked a few figures out of the ear to be quite quite honest. Yeah. Yep. Yep. Yep. Okay. Yep. Okay. Well, at the moment, I rent. And and fingers crossed, within the next three months, I I I've never been in a position to buy a house. I just I just haven't had the money behind me to be able to do so. But my daughter is looking at possibly buying a house within the next three months. Well, if she if she does, it'll be before the June 30 so she gets the benefits. So if that happens, then she can't afford to do it on her own. So I will be going on the loan on the mortgage, but it's, you know, just as a you know, so to get her across the line. But I won't sort of be contributing much at all, if that makes sense. Yeah. Just just to boost the yeah. I have to go as a second purchaser just for the for the sake of the income. Yep. Yep. No. No. No. She she lives an hour away. I'm I'm I'm not prepared to travel an hour every day for work. Like, obviously, if the push came to shove, you know, if I had to, then, yeah. But at this stage, no. That's not something I'm looking at doing. Yep. Yeah. Well, just be able to do what I wanna do when I wanna do it. You know, like, I'm I'm not saying I'm gonna be jet lagging across the world. But if I if I if I want to go on a holiday and go somewhere, then obviously I, you know, it'd be a preplanned thing. And, you know, I'll work towards that and yeah. Do it. Yeah. Yeah. Oh, yeah. I got about eight hundred hours. Annual and long service. I got my long service here at five years. No. Yes. Yes. Yes. Six and a half weeks at five years. Yeah. It's it's we're under an EBA. So yeah. Mhmm. Again, it's part of the EBA. Yep. No. No. Maternity leave, but I'm part of that. Yeah. No. Nothing really. Nothing else that for me. Oh, well, I do my salary sacrifice, obviously. And I salary sacrifice super as well. Well, I've just bumped it up to a $100 a fortnight. Yep. Okay. Yeah. Oh, you got me thinking, and I just added up my hours. I've got 854. Yes. Yep. And that's the other thing. Again, under the EBA here, if I walk out tomorrow, I walk out with all my sick leaves. Yep. Yep. Yes. It is. Yep. It's a good EBA. No. Well, if yeah. I I may have to probably put possibly 10 to 20,000 to my daughter. But other than that, no. It's just it's just money that's sitting there. Yep. Yeah. Well, I'm not I'll probably now have to wait and to see what Missy's doing and see where you know, but, yeah, that's something I can I hadn't thought about that? As I say, I've I've got it in a higher inch higher interest savings account. So I I get a 100 well, we have end of end of April, I got a $144,144 dollars interest. So it is yeah. Yep. Yep. Yep. Yep. Yeah. Yeah. So Mhmm. Yes. Mhmm. Okay. Sorry. One of each. You know, I haven't I haven't really thought that far ahead, basically. Whatever I've got, there's yep. Yep. Yep. Yep. Yeah. Yep. Well, it's fine. But it's it's all a gamble, isn't it? Yep. I don't take any medication. I've had my appendix out forty years ago. No. No. Yep. Mhmm. Yeah. I have Monday off because then my brother arrives on Tuesday. So then I'm flat out for the next two weeks. As as well as moving office, as well as yeah. That's fine. That's fine. Yep. Okay. Sounds good. No. I don't think so. No. It all sounds good. I can understand everything. Okay. Sounds good. Excellent. Alright. Thank you for ringing. Okay. We'll talk soon. Alright. Alright. 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Sandra speaking. Sorry. Good. Thanks.\n\nYep. Yeah. No. That's fine. That's fine.\n\nI'm free at the moment. Yeah. That's fine. Okay. Sure.\n\nMhmm. Sure. No. Yeah. That's that's just something that I I would like to like to do.\n\nAgain, that's all. Yeah. Yeah. Yeah. Yeah.\n\nIt was pretty special. Yeah. Pretty special. Yeah. I just oh, I just loved it.\n\nI just love to go back again if I could, you know. Yeah. Yeah. Well, that'd be nice. You know, if I could sort of double it, that'd be lovely.\n\nNo. No. It's just that's just the retirement age. So I don't know. If if I win a lottery tomorrow, mate, who gives a shit?\n\nI'll be I'll be dumb and dusted. And and I won't I won't give a shit how much is it more in in, you know, super. But you gotta buy tickets to do that, so that's probably not gonna happen. So, basically, I I who knows? I you know, we've got a couple of blokes here at work that are still you know, they're 75.\n\nSo yeah. You know, like, I don't know. I I don't know when when I'm going to retire, but theoretically, you know, around the 70 mark, I guess. Yep. Yep.\n\nMhmm. Yep. Okay. Yep. Alright.\n\nWell, you won't forget her on Mother's Day then, will you? Okay. Yep. Okay. Yep.\n\nYep. Yep. I I what what's yeah. What what is my thing now? I have no idea.\n\nI was like, well, it wouldn't rain. I was just sorta like, oh, shoot. I don't know. I just sort of plucked a few figures out of the ear to be quite quite honest. Yeah.\n\nYep. Yep. Yep. Okay. Yep.\n\nOkay. Well, at the moment, I rent. And and fingers crossed, within the next three months, I I I've never been in a position to buy a house. I just I just haven't had the money behind me to be able to do so. But my daughter is looking at possibly buying a house within the next three months.\n\nWell, if she if she does, it'll be before the June 30 so she gets the benefits. So if that happens, then she can't afford to do it on her own. So I will be going on the loan on the mortgage, but it's, you know, just as a you know, so to get her across the line. But I won't sort of be contributing much at all, if that makes sense. Yeah.\n\nJust just to boost the yeah. I have to go as a second purchaser just for the for the sake of the income. Yep. Yep. No.\n\nNo. No. She she lives an hour away. I'm I'm I'm not prepared to travel an hour every day for work. Like, obviously, if the push came to shove, you know, if I had to, then, yeah.\n\nBut at this stage, no. That's not something I'm looking at doing. Yep. Yeah. Well, just be able to do what I wanna do when I wanna do it.\n\nYou know, like, I'm I'm not saying I'm gonna be jet lagging across the world. But if I if I if I want to go on a holiday and go somewhere, then obviously I, you know, it'd be a preplanned thing. And, you know, I'll work towards that and yeah. Do it. Yeah.\n\nYeah. Oh, yeah. I got about eight hundred hours. Annual and long service. I got my long service here at five years.\n\nNo. Yes. Yes. Yes. Six and a half weeks at five years.\n\nYeah. It's it's we're under an EBA. So yeah. Mhmm. Again, it's part of the EBA.\n\nYep. No. No. Maternity leave, but I'm part of that. Yeah.\n\nNo. Nothing really. Nothing else that for me. Oh, well, I do my salary sacrifice, obviously. And I salary sacrifice super as well.\n\nWell, I've just bumped it up to a $100 a fortnight. Yep. Okay. Yeah. Oh, you got me thinking, and I just added up my hours.\n\nI've got 854. Yes. Yep. And that's the other thing. Again, under the EBA here, if I walk out tomorrow, I walk out with all my sick leaves.\n\nYep. Yep. Yes. It is. Yep.\n\nIt's a good EBA. No. Well, if yeah. I I may have to probably put possibly 10 to 20,000 to my daughter. But other than that, no.\n\nIt's just it's just money that's sitting there. Yep. Yeah. Well, I'm not I'll probably now have to wait and to see what Missy's doing and see where you know, but, yeah, that's something I can I hadn't thought about that? As I say, I've I've got it in a higher inch higher interest savings account.\n\nSo I I get a 100 well, we have end of end of April, I got a $144,144 dollars interest. So it is yeah. Yep. Yep. Yep.\n\nYep. Yeah. Yeah. So Mhmm. Yes.\n\nMhmm. Okay. Sorry. One of each. You know, I haven't I haven't really thought that far ahead, basically.\n\nWhatever I've got, there's yep. Yep. Yep. Yep. Yeah.\n\nYep. Well, it's fine. But it's it's all a gamble, isn't it? Yep. I don't take any medication.\n\nI've had my appendix out forty years ago. No. No. Yep. Mhmm.\n\nYeah. I have Monday off because then my brother arrives on Tuesday. So then I'm flat out for the next two weeks. As as well as moving office, as well as yeah. That's fine.\n\nThat's fine. Yep. Okay. Sounds good. No.\n\nI don't think so. No. It all sounds good. I can understand everything. Okay.\n\nSounds good. Excellent. Alright. Thank you for ringing. Okay.\n\nWe'll talk soon. Alright. Alright. 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leaves.","start":720.285,"end":725.77997,"sentiment":"neutral","sentiment_score":0.021139891869905923}],"sentiment":"neutral","sentiment_score":0.02960385930990534,"num_words":28,"start":710.045,"end":725.77997},{"sentences":[{"text":"Yep.","start":729.19995,"end":729.69995,"sentiment":"neutral","sentiment_score":0.07346753776073456},{"text":"Yep.","start":730.48,"end":730.98,"sentiment":"neutral","sentiment_score":0.0607689768075943},{"text":"Yes.","start":734.31995,"end":734.56,"sentiment":"neutral","sentiment_score":0.1068875640630722},{"text":"It is.","start":734.56,"end":735.27997,"sentiment":"neutral","sentiment_score":0.16212724149227142},{"text":"Yep.","start":735.27997,"end":735.585,"sentiment":"neutral","sentiment_score":0.2498198449611664}],"sentiment":"neutral","sentiment_score":0.13586640109618506,"num_words":6,"start":729.19995,"end":735.585},{"sentences":[{"text":"It's a good EBA.","start":739.66504,"end":740.72504,"sentiment":"positive","sentiment_score":0.7547972500324249},{"text":"No.","start":756.41,"end":756.91,"sentiment":"neutral","sentiment_score":-0.06777569651603699},{"text":"Well, if yeah.","start":758.97003,"end":760.09,"sentiment":"neutral","sentiment_score":0.012210658440987269},{"text":"I I may have to probably put possibly 10 to 20,000 to my daughter.","start":760.09,"end":765.415,"sentiment":"neutral","sentiment_score":0.024539426900446415},{"text":"But other than that, no.","start":766.915,"end":768.035,"sentiment":"neutral","sentiment_score":-0.04627383425831795}],"sentiment":"neutral","sentiment_score":0.1148232623796772,"num_words":27,"start":739.66504,"end":768.035},{"sentences":[{"text":"It's just it's just money that's sitting there.","start":768.035,"end":770.77496,"sentiment":"neutral","sentiment_score":-0.042317372746765614},{"text":"Yep.","start":783.29,"end":783.79,"sentiment":"neutral","sentiment_score":-0.018037930130958557},{"text":"Yeah.","start":785.29,"end":785.79,"sentiment":"neutral","sentiment_score":0.009247242473065851},{"text":"Well, I'm not I'll probably now have to wait and to see what Missy's doing and see where you know, but, yeah, that's something I can I hadn't thought about that?","start":796.365,"end":805.26495,"sentiment":"neutral","sentiment_score":-0.04931109554825291},{"text":"As I say, I've I've got it in a higher inch higher interest savings account.","start":805.62,"end":809.86,"sentiment":"neutral","sentiment_score":0.004445682652294636}],"sentiment":"neutral","sentiment_score":-0.03230872128291854,"num_words":56,"start":768.035,"end":809.86},{"sentences":[{"text":"So I I get a 100 well, we have end of end of April, I got a $144,144 dollars interest.","start":809.86,"end":817.88,"sentiment":"neutral","sentiment_score":0.052658426389098165},{"text":"So it is yeah.","start":821.695,"end":829.15497,"sentiment":"neutral","sentiment_score":0.00351666659116745},{"text":"Yep.","start":842.27,"end":842.77,"sentiment":"neutral","sentiment_score":0.03378382325172424},{"text":"Yep.","start":848.26495,"end":848.76495,"sentiment":"neutral","sentiment_score":-0.03117404691874981},{"text":"Yep.","start":859.545,"end":860.045,"sentiment":"neutral","sentiment_score":0.07253190129995346}],"sentiment":"neutral","sentiment_score":0.04231025451035411,"num_words":27,"start":809.86,"end":860.045},{"sentences":[{"text":"Yep.","start":860.665,"end":861.03,"sentiment":"neutral","sentiment_score":0.054034583270549774},{"text":"Yeah.","start":861.83,"end":862.07,"sentiment":"neutral","sentiment_score":0.07126623392105103},{"text":"Yeah.","start":862.07,"end":862.23004,"sentiment":"neutral","sentiment_score":0.06373465806245804},{"text":"So Mhmm.","start":862.23004,"end":868.10004,"sentiment":"neutral","sentiment_score":0.24020123481750488},{"text":"Yes.","start":875.015,"end":875.515,"sentiment":"neutral","sentiment_score":0.1979479193687439}],"sentiment":"neutral","sentiment_score":0.1445643107096354,"num_words":6,"start":860.665,"end":875.515},{"sentences":[{"text":"Mhmm.","start":902.77997,"end":903.075,"sentiment":"neutral","sentiment_score":0.10220944136381148},{"text":"Okay.","start":927.53,"end":928.03,"sentiment":"neutral","sentiment_score":0.01861436292529106},{"text":"Sorry.","start":928.09,"end":928.41003,"sentiment":"neutral","sentiment_score":0.008272236213088036},{"text":"One of each.","start":928.41003,"end":929.23,"sentiment":"neutral","sentiment_score":0.03922331457336744},{"text":"You know, I haven't I haven't really thought that far ahead, basically.","start":939.985,"end":944.245,"sentiment":"neutral","sentiment_score":-0.1332269705211123}],"sentiment":"neutral","sentiment_score":-0.07510875900172526,"num_words":18,"start":902.77997,"end":944.245},{"sentences":[{"text":"Whatever I've got, there's yep.","start":944.68,"end":957.66003,"sentiment":"neutral","sentiment_score":0.027858786284923553},{"text":"Yep.","start":959.96,"end":960.46,"sentiment":"neutral","sentiment_score":0.1081540435552597},{"text":"Yep.","start":971.055,"end":971.555,"sentiment":"neutral","sentiment_score":0.3218953311443329},{"text":"Yep.","start":982.32,"end":982.82,"sentiment":"neutral","sentiment_score":-0.04820690304040909},{"text":"Yeah.","start":1004.1,"end":1004.6,"sentiment":"neutral","sentiment_score":-0.07353478670120239}],"sentiment":"neutral","sentiment_score":0.049733512931399874,"num_words":9,"start":944.68,"end":1004.6},{"sentences":[{"text":"Yep.","start":1018.09503,"end":1018.59503,"sentiment":"neutral","sentiment_score":-0.07798241078853607},{"text":"Well, it's fine.","start":1030.03,"end":1030.59,"sentiment":"neutral","sentiment_score":0.00524852176507314},{"text":"But it's it's all a gamble, isn't it?","start":1030.59,"end":1034.77,"sentiment":"neutral","sentiment_score":-0.0670821440871805},{"text":"Yep.","start":1053.365,"end":1053.865,"sentiment":"neutral","sentiment_score":0.033349692821502686},{"text":"I don't take any medication.","start":1061.96,"end":1063.34,"sentiment":"neutral","sentiment_score":-0.11020344644784927}],"sentiment":"neutral","sentiment_score":-0.062031196533805795,"num_words":18,"start":1018.09503,"end":1063.34},{"sentences":[{"text":"I've had my appendix out forty years ago.","start":1066.84,"end":1069.6599,"sentiment":"neutral","sentiment_score":-0.002527556731365621},{"text":"No.","start":1078.835,"end":1079.335,"sentiment":"neutral","sentiment_score":-0.07693229615688324},{"text":"No.","start":1098.17,"end":1098.67,"sentiment":"neutral","sentiment_score":-0.023865828290581703},{"text":"Yep.","start":1118.34,"end":1118.84,"sentiment":"neutral","sentiment_score":0.06791824847459793},{"text":"Mhmm.","start":1126.34,"end":1126.84,"sentiment":"neutral","sentiment_score":0.015889670699834824}],"sentiment":"neutral","sentiment_score":-0.003100888260329763,"num_words":12,"start":1066.84,"end":1126.84},{"sentences":[{"text":"Yeah.","start":1151.9501,"end":1152.27,"sentiment":"neutral","sentiment_score":0.018383674323558807},{"text":"I have Monday off because then my brother arrives on Tuesday.","start":1152.27,"end":1155.3301,"sentiment":"neutral","sentiment_score":0.026297815652056175},{"text":"So then I'm flat out for the next two weeks.","start":1156.745,"end":1159.645,"sentiment":"neutral","sentiment_score":0.050776641070842746},{"text":"As as well as moving office, as well as yeah.","start":1161.145,"end":1166.045,"sentiment":"neutral","sentiment_score":0.04787328336387873},{"text":"That's fine.","start":1170.57,"end":1171.5499,"sentiment":"neutral","sentiment_score":0.05738074518740177}],"sentiment":"neutral","sentiment_score":0.041438834741711617,"num_words":34,"start":1151.9501,"end":1171.5499},{"sentences":[{"text":"That's fine.","start":1174.09,"end":1176.82,"sentiment":"neutral","sentiment_score":0.11465602740645409},{"text":"Yep.","start":1176.82,"end":1177.32,"sentiment":"neutral","sentiment_score":0.1466648280620575},{"text":"Okay.","start":1185.805,"end":1186.045,"sentiment":"neutral","sentiment_score":0.30210983753204346},{"text":"Sounds good.","start":1186.045,"end":1186.865,"sentiment":"positive","sentiment_score":0.5705528855323792},{"text":"No.","start":1194.4451,"end":1194.765,"sentiment":"neutral","sentiment_score":-0.2591486871242523}],"sentiment":"neutral","sentiment_score":0.2228634006210736,"num_words":7,"start":1174.09,"end":1194.765},{"sentences":[{"text":"I don't think so.","start":1194.765,"end":1195.8251,"sentiment":"neutral","sentiment_score":-0.2275957614183426},{"text":"No.","start":1196.525,"end":1196.685,"sentiment":"neutral","sentiment_score":-0.20318065583705905},{"text":"It all sounds good.","start":1196.685,"end":1197.485,"sentiment":"neutral","sentiment_score":-0.1268770806491375},{"text":"I can understand everything.","start":1197.485,"end":1198.7051,"sentiment":"neutral","sentiment_score":-0.06443796306848526},{"text":"Okay.","start":1208.75,"end":1209.0701,"sentiment":"neutral","sentiment_score":0.28004950284957886}],"sentiment":"neutral","sentiment_score":-0.11419816953795296,"num_words":14,"start":1194.765,"end":1209.0701},{"sentences":[{"text":"Sounds good.","start":1209.0701,"end":1209.89,"sentiment":"positive","sentiment_score":0.7637680172920227},{"text":"Excellent.","start":1210.1101,"end":1210.6101,"sentiment":"positive","sentiment_score":0.8549889326095581},{"text":"Alright.","start":1211.6488,"end":1212.0488,"sentiment":"positive","sentiment_score":0.7330707311630249},{"text":"Thank you for ringing.","start":1212.0488,"end":1213.1089,"sentiment":"positive","sentiment_score":0.68778046220541},{"text":"Okay.","start":1213.5688,"end":1213.8888,"sentiment":"neutral","sentiment_score":0.2535150349140167}],"sentiment":"positive","sentiment_score":0.6800258424546983,"num_words":9,"start":1209.0701,"end":1213.8888},{"sentences":[{"text":"We'll talk soon.","start":1213.8888,"end":1214.8689,"sentiment":"neutral","sentiment_score":0.21721607943375906},{"text":"Alright.","start":1215.1688,"end":1215.6688,"sentiment":"neutral","sentiment_score":0.09545111656188963},{"text":"Alright.","start":1216.0488,"end":1216.5488,"sentiment":"neutral","sentiment_score":0.09451405704021454},{"text":"Bye.","start":1216.6089,"end":1217.1089,"sentiment":"neutral","sentiment_score":-0.1220492273569107}],"sentiment":"neutral","sentiment_score":0.11992736409107844,"num_words":6,"start":1213.8888,"end":1217.1089}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi. Sandra speaking.\n\nChannel 0: Hi. Good afternoon, Sandra.\n\nChannel 1: Sorry.\n\nChannel 0: Hi, Sandra. It's Larissa from Oakview Financial. I'm the financial adviser with the team. How are you going?\n\nChannel 1: Good. Thanks.\n\nChannel 0: That's good. I was just giving you a call following on from a conversation you had with my colleagues. I\n\nChannel 1: Yep.\n\nChannel 0: believe you were speaking with Fabian earlier? Yeah. Fantastic. Have I got you at a good time?\n\nChannel 1: Yeah. No. That's fine. That's fine. I'm free at the moment.\n\nChannel 0: Perfect. Good. I'm glad I caught you. Well, before I tell you what I do, just need to let you know our calls are recorded, if that's okay.\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Fantastic. So as I said, the I'm a financial planner, so I've I'm I'm registered with Afic, and I am, I guess, duly authorized to be able to provide financial advice. I've done quite a lot of study in my in my years, and and I've been in the industry for well over a decade.\n\nChannel 1: Okay.\n\nChannel 0: Now my whole role is to work for you. So every piece of advice I give and and every client I speak to is very different, and that's purely and simply because every client needs change. So the goals that you have set out for yourself are gonna be different to anyone else else's goals.\n\nChannel 1: Sure.\n\nChannel 0: So I've had a look at all the information that you've given, which thank you so much. You've you've definitely outlined things fantastically, which is nice. And I guess I just wanna, I guess, learn you a little bit more and make sure that I am acting, you know, in a way that's gonna benefit you and and and\n\nChannel 1: Mhmm.\n\nChannel 0: work for you long time long term.\n\nChannel 1: Sure.\n\nChannel 0: Now I understand goals wise, you're wanting to travel back to Africa and and go and, you know, explore. Is that something that you're wanting sort of financial advice on with respect to budgeting for it, or is that\n\nChannel 1: No.\n\nChannel 0: something you're just saving away for? It's just a personal\n\nChannel 1: Yeah.\n\nChannel 0: call you have for\n\nChannel 1: That's\n\nChannel 0: yourself.\n\nChannel 1: that's just something that I I would like to like to do.\n\nChannel 0: Yes.\n\nChannel 1: Again, that's all. Yeah.\n\nChannel 0: No. That's beautiful. I I've been to Africa before on a safari. I I can\n\nChannel 1: Yeah.\n\nChannel 0: tikked in in my in my youth and my four kids, and it was gorgeous. Absolutely\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: gorgeous.\n\nChannel 1: It was pretty special. Yeah. Pretty special. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I just oh, I just loved it. I just love to go back again if I could, you know.\n\nChannel 0: Yeah. Go and see the sights, and, honestly, Zimbabwe is gorgeous, and the animals are phenomenal. Like, you see the TV and, like, you know, you see them on TV and they are just nothing compared to what they're like in real life.\n\nChannel 1: Yeah.\n\nChannel 0: Like,\n\nChannel 1: Yeah.\n\nChannel 0: it's beautiful and anyway so aside from that, you're you're wanting to sort of look at getting as much out of your superannuation as you can. You have a bit of a goal to wanna try and get your balance to 400,000 plus before you hit retirement.\n\nChannel 1: Well, that'd be nice.\n\nChannel 0: Yeah.\n\nChannel 1: You\n\nChannel 0: No.\n\nChannel 1: know, if I could sort of double it, that'd be lovely.\n\nChannel 0: Perfect. No. Absolutely. Now I see that you have a retirement age of 67. Can I ask, is that a designated age that you believe you wanna retire\n\nChannel 1: No.\n\nChannel 0: or an age that\n\nChannel 1: No.\n\nChannel 0: you feel you're forced?\n\nChannel 1: It's just that's just the retirement age. So I don't know. If if I win a lottery tomorrow, mate, who gives a shit? I'll be I'll be dumb and dusted.\n\nChannel 0: You'll be done.\n\nChannel 1: And and I won't I won't give a shit how much is it more in in, you know, super. But\n\nChannel 0: Yeah.\n\nChannel 1: you gotta buy tickets to do that, so that's probably not gonna happen. So, basically, I I who knows? I you know, we've got a couple of blokes here at work that are still you know, they're 75.\n\nChannel 0: K. I'm still\n\nChannel 1: So\n\nChannel 0: following along.\n\nChannel 1: yeah. You know, like, I don't know. I I don't know when when I'm going to retire, but theoretically, you know, around the 70 mark, I guess.\n\nChannel 0: Yeah. No. That's okay. So\n\nChannel 1: Yep.\n\nChannel 0: I I I guess I just wanna make sure that, like, clarification and education purposes. So 65 sorry. 67 is the\n\nChannel 1: Yep.\n\nChannel 0: age that a lot of people focus on as retirement because the age that the age pension becomes available.\n\nChannel 1: Mhmm.\n\nChannel 0: For superannuation, you can actually start accessing super from age 60 with some restrictions. And\n\nChannel 1: Yep.\n\nChannel 0: then from 65, it's pretty much, like, open irrespective of what your work circumstances look like.\n\nChannel 1: Okay. Yep.\n\nChannel 0: So I just wanna make sure, I guess, you have those ages in mind just so I guess, if something happens or realistically\n\nChannel 1: Alright.\n\nChannel 0: speaking, within the next three years, because you have the same birthday as my mother. She's a little bit older than you, but\n\nChannel 1: Well, you won't forget her on Mother's Day then, will you?\n\nChannel 0: no. I shard. Never do. Poor love. She often falls on Mother's Day.\n\nSo, yeah, the the the you like, you know, you turn you turn 57 this year, and realistically speaking, within the next three years, we could do some pretty cool\n\nChannel 1: Okay.\n\nChannel 0: tax saving strategies around, you know, minimizing tax and stuff like that\n\nChannel 1: Yep.\n\nChannel 0: through using your superannuation as a tax vehicle while not minimizing your income. That's obviously\n\nChannel 1: Okay.\n\nChannel 0: an important aspect. It's\n\nChannel 1: Yep.\n\nChannel 0: something to look for look forward to in three years' time. Always love trying to, you know, use the loopholes we can to pay the least amount of tax possible.\n\nChannel 1: Yep.\n\nChannel 0: But, yeah, that's something to look forward. Now I know that in retirement, you were saying you wanted a sort of an income around a thousand dollars a week. I can see that currently you're on, like, $94,000 a year. So those numbers are a little bit, I\n\nChannel 1: Yep.\n\nChannel 0: guess,\n\nChannel 1: I\n\nChannel 0: skewed\n\nChannel 1: I\n\nChannel 0: from\n\nChannel 1: what\n\nChannel 0: each\n\nChannel 1: what's\n\nChannel 0: other.\n\nChannel 1: yeah. What what is my thing now? I have no idea.\n\nChannel 0: No. That's\n\nChannel 1: I was\n\nChannel 0: okay.\n\nChannel 1: like, well, it wouldn't rain. I was just sorta like, oh, shoot. I don't know. I just sort of plucked a few figures out of the ear to be quite quite honest.\n\nChannel 0: Yeah. No. I know. Sometimes it's hard when someone's, like, ask the questions flat out. Realistically\n\nChannel 1: Yeah.\n\nChannel 0: speaking, what your income looks like right now net, so after you after the tax was taken out, you're on about 1,400 a week. Now that's out of your your 94,000. You\n\nChannel 1: Yep.\n\nChannel 0: earned about 73 and some change after tax,\n\nChannel 1: Yep.\n\nChannel 0: and, you know, it's about 14,000 sorry, 1,400 in your pocket. Now I have here that you're saving pretty consistently $200 a week. So, realistically\n\nChannel 1: Yep.\n\nChannel 0: speaking, that indicates to me that your current needs so, you know, what you're actually spending per week outside of what you're saving is about $1,200 per week.\n\nChannel 1: Okay.\n\nChannel 0: And that would be across, you know, any of the the bills and stuff that you have, you know, discretionary spending as well, I am sure.\n\nChannel 1: Yep.\n\nChannel 0: Now one of the questions I did wanna ask, because we have a car, we have a savings, we have a credit card. Currently, living wise, are we renting? Do we house share with family? What's our living circumstances?\n\nChannel 1: Okay. Well, at the moment, I rent.\n\nChannel 0: Yeah.\n\nChannel 1: And and fingers crossed, within the next three months, I I I've never been in a position to buy a house.\n\nChannel 0: Yeah.\n\nChannel 1: I just I just haven't had the money behind me to be able to do so. But my daughter is looking at possibly buying a house within the next three months. Well,\n\nChannel 0: Yeah.\n\nChannel 1: if she if she does, it'll be before the June 30 so she gets the benefits. So if that happens, then she can't afford to do it on her own. So I will be going on the loan on the mortgage, but it's, you know, just as a you know, so to get her across the line. But I won't sort of be contributing much at all, if that makes sense.\n\nChannel 0: Yeah. Yeah. So you'll you're gonna go on the mortgage as a as a secondary, like, purchaser or\n\nChannel 1: Yeah. Just\n\nChannel 0: a\n\nChannel 1: just\n\nChannel 0: guarantor.\n\nChannel 1: to boost the yeah. I have to go as a second purchaser\n\nChannel 0: Yeah.\n\nChannel 1: just for the for the sake of the income.\n\nChannel 0: Yeah. Yeah. For serviceability. Okay.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Is that an option for you to be able to move in and, like, live\n\nChannel 1: No.\n\nChannel 0: with her or no. That's\n\nChannel 1: No.\n\nChannel 0: okay.\n\nChannel 1: No. She she lives an hour away.\n\nChannel 0: Fair enough.\n\nChannel 1: I'm I'm I'm not prepared to travel an hour every day for work.\n\nChannel 0: No.\n\nChannel 1: Like,\n\nChannel 0: That's\n\nChannel 1: obviously,\n\nChannel 0: completely\n\nChannel 1: if the push came to shove, you know, if I had to, then, yeah. But at this stage, no. That's not something I'm looking at doing.\n\nChannel 0: no. That's okay. Alright. So you're quite comfortable renting, and, obviously, we just need to make sure that we have the income to be able to support your rental\n\nChannel 1: Yep.\n\nChannel 0: needs. That's fine.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. And then what you're looking for in your retirement is basically the ability to just travel, enjoy yourself.\n\nChannel 1: Well, just be able to do what I wanna do when I wanna do it. You know,\n\nChannel 0: I\n\nChannel 1: like,\n\nChannel 0: love\n\nChannel 1: I'm I'm not saying I'm gonna be jet lagging across the world. But if I if I if I want to go on a holiday and go somewhere,\n\nChannel 0: yeah.\n\nChannel 1: then obviously I, you know, it'd be a preplanned thing.\n\nChannel 0: Yeah.\n\nChannel 1: And, you know, I'll work towards that and yeah. Do it.\n\nChannel 0: You you wanna basically have the ability to to say, you know, you have the $20,000 each year that's in excess of what your income needs are to be able to realistically go and travel and do do what you wanna do.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Perfect. Okay. Now that's fantastic, and that gives me a really, really good scope of things, which is fantastic. Now with regards to your occupation, I can see that we're 100% office space. We've we've worked there for a good number of years, which is great.\n\nSo I assume we have some decent annual long service leave built up.\n\nChannel 1: Oh, yeah.\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: I got about eight hundred hours.\n\nChannel 0: Of of sick of annual late. Sorry.\n\nChannel 1: Annual and long service. I got my long service here at five years.\n\nChannel 0: Oh, wow. They they perroder it.\n\nChannel 1: No. Yes. Yes. Yes. Six and a half weeks at five years.\n\nYeah. It's it's\n\nChannel 0: Beautiful.\n\nChannel 1: we're under an EBA.\n\nChannel 0: Oh, lovely.\n\nChannel 1: So yeah.\n\nChannel 0: Absolutely lovely. Perfect. Amazing. And I can see that your employer also pays 14% super contributions as well. So they're\n\nChannel 1: Mhmm.\n\nChannel 0: paying above\n\nChannel 1: Again,\n\nChannel 0: the minimum\n\nChannel 1: it's part\n\nChannel 0: requirement.\n\nChannel 1: of the EBA. Yep.\n\nChannel 0: Beautiful. Love an EBA. Fantastic. Are there any restrictions to your EBA or is it just No.\n\nChannel 1: No.\n\nChannel 0: Are\n\nChannel 1: No.\n\nChannel 0: there any other benefits that they offer under the EBA that I possibly need\n\nChannel 1: Maternity\n\nChannel 0: to know about?\n\nChannel 1: leave, but I'm part of that. Yeah. No. Nothing really. Nothing else that for me.\n\nOh, well, I do my salary sacrifice, obviously.\n\nChannel 0: Perfect. Yes.\n\nChannel 1: And I salary sacrifice super as well.\n\nChannel 0: Yes. Yeah. No. I see that you you pay about $2,600 a year as salary sacrifice.\n\nChannel 1: Well, I've just bumped it up to a $100 a fortnight.\n\nChannel 0: Yes. Yeah. Yeah. Which\n\nChannel 1: Yep.\n\nChannel 0: is yeah.\n\nChannel 1: Okay.\n\nChannel 0: $20.20\n\nChannel 1: Yeah.\n\nChannel 0: yeah. 2,600 across the year. Perfect.\n\nChannel 1: Oh, you got me thinking, and I just added up my hours. I've got 854.\n\nChannel 0: Oh, beautiful. A hundred and fifty four hours of combined long service and sick leave. That's amazing.\n\nChannel 1: Yes. Yep. And that's the other thing. Again, under the EBA here, if I walk out tomorrow, I walk out with all my sick leaves.\n\nChannel 0: And your sick leave?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: So is your sick leave included in that $8.54?\n\nChannel 1: Yes. It is. Yep.\n\nChannel 0: Beautiful. Amazing.\n\nChannel 1: It's a good EBA.\n\nChannel 0: Very good. That's lovely. Amazing. Now I can see that we have $35,000 sitting in the savings account. Does that currently have a, I guess, an earmarked direction for it?\n\nAre we\n\nChannel 1: No.\n\nChannel 0: is that what we're what just saving?\n\nChannel 1: Well, if yeah. I I may have to probably put possibly 10 to 20,000 to my daughter.\n\nChannel 0: Yep.\n\nChannel 1: But other than that, no. It's just it's just money that's sitting there.\n\nChannel 0: Okay. Do you wanna look at investing it for your, like, some of it for yourself? Would you wanna look at keeping it? I understand you need to like, you need to travel back to New Zealand in July, so there's obviously\n\nChannel 1: Yep.\n\nChannel 0: expenses that come with that\n\nChannel 1: Yeah.\n\nChannel 0: and that we have the, you know, the Africa travel as well. Do you wanna look at investing that to maybe help with traveling to Africa? Or\n\nChannel 1: Well, I'm not I'll probably now have to wait and to see what Missy's doing and\n\nChannel 0: yeah.\n\nChannel 1: see where you know, but, yeah, that's something I can I hadn't thought about that? As I say, I've I've got it in a higher inch higher interest savings account. So I I get a 100 well, we have end of end of April, I got a $144,144 dollars interest.\n\nChannel 0: Beautiful. I mean, we could probably\n\nChannel 1: So\n\nChannel 0: look\n\nChannel 1: it\n\nChannel 0: at\n\nChannel 1: is\n\nChannel 0: doing a little bit better, but it's good that you like, you're incur like, you're getting decent interest on it. It's not, you know, 3¢,\n\nChannel 1: yeah.\n\nChannel 0: which is good. Obviously, yeah, with possibility of purchasing a house in the next couple of months, we'll we we can hold off on making any drastic changes to the finances yet, and then\n\nChannel 1: Yep.\n\nChannel 0: we can have a look at things, you know, maybe in the new in the financial year or, you know, maybe\n\nChannel 1: Yep.\n\nChannel 0: give it six six months until things settle down, and and we can have a look at, you know, possibly, like, doing a bit of an investment with with those funds or with some of those\n\nChannel 1: Yep.\n\nChannel 0: funds depending on what's left\n\nChannel 1: Yep.\n\nChannel 0: over just\n\nChannel 1: Yeah.\n\nChannel 0: to\n\nChannel 1: Yeah.\n\nChannel 0: help\n\nChannel 1: So\n\nChannel 0: you help you to be able to do the travel and everything like that.\n\nChannel 1: Mhmm.\n\nChannel 0: Perfect. Now at the moment, you you have your Australian Retirement Trust account, and you have the life and the total\n\nChannel 1: Yes.\n\nChannel 0: permanent disability insurance that are held within that fund. Now one of the biggest things that I always wanna do is I wanna make sure that I don't affect someone's insurance. So I wanna make sure that if it's important to you that we we we keep it protected. Now I can see that you're ultimately just wanting to make sure that the kids are looked after and that, you know, you're not gonna be a burden financially.\n\nChannel 1: Mhmm.\n\nChannel 0: What I wanna find out is if anything were to happen to you, what what would you want the family to have? Do you is it just anything that I have you know, any any money that's left over is just it it's good and it's good for them, or do you wanna leave a specific amount for, you know, for your daughters? How many if if you don't mind me asking, how many kids do you have?\n\nChannel 1: Okay. Sorry. One of each.\n\nChannel 0: Oh, beautiful. I went for the third. Two boys and two boys and a girl. It created extra chaos for me.\n\nChannel 1: You know, I haven't I haven't really thought that far ahead, basically. Whatever I've\n\nChannel 0: Yeah. Alright.\n\nChannel 1: got,\n\nChannel 0: That that's okay. Because, I mean, realistically, if something were to happen to you tomorrow, the\n\nChannel 1: there's\n\nChannel 0: car's there, the savings account's there, the you know, your superannuation balance is\n\nChannel 1: yep.\n\nChannel 0: and can form part of your estate. So that's,\n\nChannel 1: Yep.\n\nChannel 0: you know, basically, let's just call it $218,000 split between them. That's over a $100,000 each that they would receive plus the $36,000 in in life insurance.\n\nChannel 1: Yep.\n\nChannel 0: Now, like, you know, they are adult children, so that's just gonna give them a boost to their life financially. But I\n\nChannel 1: Yep.\n\nChannel 0: think the biggest part is is with total current disability, if anything were to happen to you, it's the possibility of being a financial burden, not having enough to to support you. So what I can look at is making sure that, you know, I'm covering off your income needs when it comes to, you know, you being able to to support yourself if\n\nChannel 1: Yeah.\n\nChannel 0: you were to not have an income anymore and what that might look like. I'm obviously gonna take into consideration wanting to focus more on growing our super funds than on having insurance premiums in place. I don't wanna\n\nChannel 1: Yep.\n\nChannel 0: be costing, you know, an arm and a leg of premiums that are not necessarily, you know, gonna be used. But it's like car insurance. Sometimes we pay our premiums, we don't need it, and then other times,\n\nChannel 1: Well,\n\nChannel 0: you\n\nChannel 1: it's fine. But\n\nChannel 0: know\n\nChannel 1: it's it's all\n\nChannel 0: We\n\nChannel 1: a gamble,\n\nChannel 0: do.\n\nChannel 1: isn't\n\nChannel 0: Very much so. So I'll\n\nChannel 1: it?\n\nChannel 0: have a look at what that might look like. The good thing is is you're in a nice sedentary office based role. So, you know, you've you've got good occupation behind you for for any any insurance application there. I did just wanna ask you. I know that you already disclosed, like, no medical history, but I just\n\nChannel 1: Yep.\n\nChannel 0: wanted to confirm, did you like, you've like, have you ever had a surgery, or do you take any form of medication?\n\nChannel 1: I don't take any medication.\n\nChannel 0: Yep.\n\nChannel 1: I've had my appendix out forty\n\nChannel 0: That's\n\nChannel 1: years ago.\n\nChannel 0: that's fine. No one's gonna mind about that one. Have you ever had an insurance claim before, like, claimed on any form of insurance policy?\n\nChannel 1: No.\n\nChannel 0: No. And no, you know, mental health concerns? No time off work for any bullying, harassment, anything like that? No. Fantastic.\n\nI love it. Alright. Perfect. Well, I'll have a look at look into all of that and and see where we land with the insurance outcomes.\n\nChannel 1: No.\n\nChannel 0: I'll look at, you know, what kind of amounts that we might look like, you know, how I'll factor in how much we need. Probably looking around, you know, your income, you know, multiplied by a few years to to make sure that, you know, you have income that's gonna support you.\n\nChannel 1: Yep.\n\nChannel 0: And then, obviously, factoring in any lump sum benefits that we could could be able to obtain as well, like your superannuation balance, stuff like that.\n\nChannel 1: Mhmm.\n\nChannel 0: So I'll have a look at that. Now I have you scheduled in for Monday. Leave things with me and see how I go, but would you be amenable to maybe meeting with me Tuesday just because I do know that I have a bit of a crazy last couple of days of the week, and I wanna make sure that I can obviously do things justice. But I just have a funny feeling you have Monday off work.\n\nChannel 1: Yeah. I have Monday off because\n\nChannel 0: Yeah.\n\nChannel 1: then my brother arrives on Tuesday.\n\nChannel 0: Alright. That's\n\nChannel 1: So\n\nChannel 0: okay.\n\nChannel 1: then I'm flat out for the next\n\nChannel 0: Flat\n\nChannel 1: two weeks.\n\nChannel 0: out. No. That's okay. Alright. Well\n\nChannel 1: As as well as moving office, as well as\n\nChannel 0: no. That's\n\nChannel 1: yeah.\n\nChannel 0: okay. Well, leave things with me, and what I'll do is I'll give you a call Monday afternoon, probably around this same\n\nChannel 1: That's\n\nChannel 0: time, that\n\nChannel 1: fine.\n\nChannel 0: sort of 03:30, 04:00,\n\nChannel 1: That's\n\nChannel 0: and we can chat there. Because I wanna make sure that I obviously\n\nChannel 1: fine. Yep.\n\nChannel 0: dig deep and have a look at everything properly. I don't wanna rush through putting something together. And and I'll talk to you again on Monday. Alright?\n\nChannel 1: Okay. Sounds good.\n\nChannel 0: Absolutely. Was there any questions that you might have had for me while we were on the phone before Monday?\n\nChannel 1: No. I don't think so. No. It all sounds\n\nChannel 0: No.\n\nChannel 1: good. I can understand everything.\n\nChannel 0: Good. No. That's okay. If you do have any questions when it comes to it, you know, either write them down or we'll chat on Monday, and we can go through from there. Okay?\n\nChannel 1: Okay. Sounds good. Excellent.\n\nChannel 0: Fantastic. A pleasure\n\nChannel 1: Alright.\n\nChannel 0: speaking\n\nChannel 1: Thank you\n\nChannel 0: to\n\nChannel 1: for\n\nChannel 0: you, Sandra.\n\nChannel 1: ringing.\n\nChannel 0: That's\n\nChannel 1: Okay.\n\nChannel 0: okay.\n\nChannel 1: We'll talk soon.\n\nChannel 0: We\n\nChannel 1: Alright.\n\nChannel 0: will.\n\nChannel 1: Alright.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.48,"end":0.64,"sentiment":"neutral","sentiment_score":0.018781904131174088},{"text":"Sandra speaking.","start":0.64,"end":1.46,"sentiment":"neutral","sentiment_score":0.017683965153992176}],"sentiment":"neutral","sentiment_score":0.018049944813052814,"channel":1,"num_words":3,"start":0.48,"end":1.46},{"sentences":[{"text":"Hi.","start":5.8399997,"end":6.16,"sentiment":"neutral","sentiment_score":0.09584257006645204},{"text":"Good afternoon, Sandra.","start":6.16,"end":7.62,"sentiment":"neutral","sentiment_score":0.22790873050689697}],"sentiment":"neutral","sentiment_score":0.19489219039678574,"channel":0,"num_words":4,"start":5.8399997,"end":7.62},{"sentences":[{"text":"Sorry.","start":8.32,"end":8.82,"sentiment":"neutral","sentiment_score":0.11769509315490724}],"sentiment":"neutral","sentiment_score":0.11769509315490724,"channel":1,"num_words":1,"start":8.32,"end":8.82},{"sentences":[{"text":"Hi, Sandra.","start":9.36,"end":10.08,"sentiment":"neutral","sentiment_score":0.141490638256073},{"text":"It's Larissa from Oakview Financial.","start":10.08,"end":11.78,"sentiment":"neutral","sentiment_score":0.12149446308612824},{"text":"I'm the financial adviser with the team.","start":11.84,"end":14.16,"sentiment":"neutral","sentiment_score":0.1233208030462265},{"text":"How are you going?","start":14.16,"end":15.139999,"sentiment":"neutral","sentiment_score":0.18294358253479004}],"sentiment":"neutral","sentiment_score":0.1380818635225296,"channel":0,"num_words":18,"start":9.36,"end":15.139999},{"sentences":[{"text":"Good.","start":15.495,"end":15.735,"sentiment":"positive","sentiment_score":0.4579072594642639},{"text":"Thanks.","start":15.735,"end":16.235,"sentiment":"positive","sentiment_score":0.5892167091369629}],"sentiment":"positive","sentiment_score":0.5235619843006134,"channel":1,"num_words":2,"start":15.495,"end":16.235},{"sentences":[{"text":"That's good.","start":16.885,"end":17.785,"sentiment":"positive","sentiment_score":0.569456934928894},{"text":"I was just giving you a call following on from a conversation you had with my colleagues.","start":18.164999,"end":23.865,"sentiment":"neutral","sentiment_score":0.14457974845872207},{"text":"I","start":24.645,"end":24.805,"sentiment":"neutral","sentiment_score":0.037610672414302826}],"sentiment":"neutral","sentiment_score":0.1817190133035183,"channel":0,"num_words":20,"start":16.885,"end":24.805},{"sentences":[{"text":"Yep.","start":24.775,"end":25.275,"sentiment":"neutral","sentiment_score":0.027621109038591385}],"sentiment":"neutral","sentiment_score":0.027621109038591385,"channel":1,"num_words":1,"start":24.775,"end":25.275},{"sentences":[{"text":"believe you were speaking with Fabian earlier?","start":24.805,"end":27.224998,"sentiment":"neutral","sentiment_score":0.023137023406369344},{"text":"Yeah.","start":28.660002,"end":28.980001,"sentiment":"neutral","sentiment_score":0.12097590416669846},{"text":"Fantastic.","start":28.980001,"end":29.480001,"sentiment":"positive","sentiment_score":0.411902368068695},{"text":"Have I got you at a good time?","start":29.78,"end":31.400002,"sentiment":"neutral","sentiment_score":0.18145320378243923}],"sentiment":"neutral","sentiment_score":0.12626253331408782,"channel":0,"num_words":17,"start":24.805,"end":31.400002},{"sentences":[{"text":"Yeah.","start":31.710001,"end":31.95,"sentiment":"neutral","sentiment_score":0.03846311196684837},{"text":"No.","start":31.95,"end":32.11,"sentiment":"neutral","sentiment_score":0.007430171594023704},{"text":"That's fine.","start":32.11,"end":32.75,"sentiment":"neutral","sentiment_score":0.049617037177085876},{"text":"That's fine.","start":32.75,"end":33.47,"sentiment":"neutral","sentiment_score":0.15106898546218872},{"text":"I'm free at the moment.","start":33.47,"end":35.09,"sentiment":"neutral","sentiment_score":0.19320455491542815}],"sentiment":"neutral","sentiment_score":0.1284807366742329,"channel":1,"num_words":11,"start":31.710001,"end":35.09},{"sentences":[{"text":"Perfect.","start":36.02,"end":36.52,"sentiment":"positive","sentiment_score":0.5172887444496155},{"text":"Good.","start":36.58,"end":36.9,"sentiment":"positive","sentiment_score":0.5008252859115601},{"text":"I'm glad I caught you.","start":36.9,"end":38.36,"sentiment":"positive","sentiment_score":0.5948747158050537},{"text":"Well, before I tell you what I do, just need to let you know our calls are recorded, if that's okay.","start":38.58,"end":42.52,"sentiment":"neutral","sentiment_score":0.010557609754392789}],"sentiment":"neutral","sentiment_score":0.1505070505081676,"channel":0,"num_words":28,"start":36.02,"end":42.52},{"sentences":[{"text":"Yeah.","start":42.83,"end":43.07,"sentiment":"neutral","sentiment_score":0.07578720897436142},{"text":"That's fine.","start":43.07,"end":43.89,"sentiment":"neutral","sentiment_score":0.17942964285612106}],"sentiment":"neutral","sentiment_score":0.14488216489553452,"channel":1,"num_words":3,"start":42.83,"end":43.89},{"sentences":[{"text":"Fantastic.","start":44.164997,"end":44.664997,"sentiment":"positive","sentiment_score":0.4781215190887451},{"text":"So as I said, the I'm a financial planner, so I've I'm I'm registered with Afic, and I am, I guess, duly authorized to be able to provide financial advice.","start":45.605,"end":56.504997,"sentiment":"neutral","sentiment_score":0.14340673213203747},{"text":"I've done quite a lot of study in my in my years, and and I've been in the industry for well over a decade.","start":57.284996,"end":64.7,"sentiment":"neutral","sentiment_score":0.08817646652460098}],"sentiment":"neutral","sentiment_score":0.1253919759934599,"channel":0,"num_words":55,"start":44.164997,"end":64.7},{"sentences":[{"text":"Okay.","start":65.35,"end":65.85,"sentiment":"neutral","sentiment_score":0.04442683979868889}],"sentiment":"neutral","sentiment_score":0.04442683979868889,"channel":1,"num_words":1,"start":65.35,"end":65.85},{"sentences":[{"text":"Now my whole role is to work for you.","start":65.4,"end":69.659996,"sentiment":"neutral","sentiment_score":0.03224333168731795},{"text":"So every piece of advice I give and and every client I speak to is very different, and that's purely and simply because every client needs change.","start":69.88,"end":78.345,"sentiment":"neutral","sentiment_score":-0.014897975794695041},{"text":"So the goals that you have set out for yourself are gonna be different to anyone else else's goals.","start":78.645004,"end":84.665,"sentiment":"neutral","sentiment_score":-0.03199700491600915}],"sentiment":"neutral","sentiment_score":-0.013090880994092334,"channel":0,"num_words":55,"start":65.4,"end":84.665},{"sentences":[{"text":"Sure.","start":85.064995,"end":85.41,"sentiment":"neutral","sentiment_score":0.15349909663200378}],"sentiment":"neutral","sentiment_score":0.15349909663200378,"channel":1,"num_words":1,"start":85.064995,"end":85.41},{"sentences":[{"text":"So I've had a look at all the information that you've given, which thank you so much.","start":86.28001,"end":89.96001,"sentiment":"neutral","sentiment_score":0.29653098828652324},{"text":"You've you've definitely outlined things fantastically, which is nice.","start":89.96001,"end":93.9,"sentiment":"positive","sentiment_score":0.583743691444397},{"text":"And I guess I just wanna, I guess, learn you a little bit more and make sure that I am acting, you know, in a way that's gonna benefit you and and and","start":94.44,"end":103.205,"sentiment":"neutral","sentiment_score":0.24107844337369455}],"sentiment":"neutral","sentiment_score":0.3093272653424134,"channel":0,"num_words":59,"start":86.28001,"end":103.205},{"sentences":[{"text":"Mhmm.","start":103.09499,"end":103.59499,"sentiment":"neutral","sentiment_score":0.09014734625816344}],"sentiment":"neutral","sentiment_score":0.09014734625816344,"channel":1,"num_words":1,"start":103.09499,"end":103.59499},{"sentences":[{"text":"work for you long time long term.","start":103.205,"end":105.385,"sentiment":"neutral","sentiment_score":0.08552413008042745}],"sentiment":"neutral","sentiment_score":0.08552413008042745,"channel":0,"num_words":7,"start":103.205,"end":105.385},{"sentences":[{"text":"Sure.","start":104.935,"end":105.435,"sentiment":"neutral","sentiment_score":0.056916482746601105}],"sentiment":"neutral","sentiment_score":0.056916482746601105,"channel":1,"num_words":1,"start":104.935,"end":105.435},{"sentences":[{"text":"Now I understand goals wise, you're wanting to travel back to Africa and and go and, you know, explore.","start":106.485,"end":117.18,"sentiment":"neutral","sentiment_score":0.03144300135930902},{"text":"Is that something that you're wanting sort of financial advice on with respect to budgeting for it, or is that","start":119.16,"end":125.4,"sentiment":"neutral","sentiment_score":-0.0002810508944094181}],"sentiment":"neutral","sentiment_score":0.015174256613812385,"channel":0,"num_words":39,"start":106.485,"end":125.4},{"sentences":[{"text":"No.","start":125.38,"end":125.88,"sentiment":"neutral","sentiment_score":-0.10447295010089874}],"sentiment":"neutral","sentiment_score":-0.10447295010089874,"channel":1,"num_words":1,"start":125.38,"end":125.88},{"sentences":[{"text":"something you're just saving away for?","start":125.4,"end":126.92,"sentiment":"neutral","sentiment_score":-0.09230903908610344},{"text":"It's just a personal","start":126.92,"end":127.8,"sentiment":"neutral","sentiment_score":-0.018821998964995146}],"sentiment":"neutral","sentiment_score":-0.06291422303766012,"channel":0,"num_words":10,"start":125.4,"end":127.8},{"sentences":[{"text":"Yeah.","start":127.745,"end":128.245,"sentiment":"neutral","sentiment_score":-0.014307535253465176}],"sentiment":"neutral","sentiment_score":-0.014307535253465176,"channel":1,"num_words":1,"start":127.745,"end":128.245},{"sentences":[{"text":"call you have for","start":127.8,"end":128.44,"sentiment":"neutral","sentiment_score":0.01211412320844829}],"sentiment":"neutral","sentiment_score":0.01211412320844829,"channel":0,"num_words":4,"start":127.8,"end":128.44},{"sentences":[{"text":"That's","start":128.305,"end":128.805,"sentiment":"neutral","sentiment_score":0.06693471968173981}],"sentiment":"neutral","sentiment_score":0.06693471968173981,"channel":1,"num_words":1,"start":128.305,"end":128.805},{"sentences":[{"text":"yourself.","start":128.44,"end":128.94,"sentiment":"neutral","sentiment_score":0.1233685538172722}],"sentiment":"neutral","sentiment_score":0.1233685538172722,"channel":0,"num_words":1,"start":128.44,"end":128.94},{"sentences":[{"text":"that's just something that I I would like to like to do.","start":129.265,"end":132.405,"sentiment":"neutral","sentiment_score":0.2417412313322226}],"sentiment":"neutral","sentiment_score":0.2417412313322226,"channel":1,"num_words":12,"start":129.265,"end":132.405},{"sentences":[{"text":"Yes.","start":132.985,"end":133.485,"sentiment":"neutral","sentiment_score":0.12303948402404784}],"sentiment":"neutral","sentiment_score":0.12303948402404784,"channel":0,"num_words":1,"start":132.985,"end":133.485},{"sentences":[{"text":"Again, that's all.","start":133.025,"end":134.305,"sentiment":"neutral","sentiment_score":0.08551977823177974},{"text":"Yeah.","start":134.305,"end":134.805,"sentiment":"neutral","sentiment_score":0.112177312374115}],"sentiment":"neutral","sentiment_score":0.09218416176736355,"channel":1,"num_words":4,"start":133.025,"end":134.805},{"sentences":[{"text":"No.","start":134.825,"end":135.065,"sentiment":"neutral","sentiment_score":0.15909966826438904},{"text":"That's 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there.","start":1174.485,"end":1175.445,"sentiment":"neutral","sentiment_score":0.08998100906610489},{"text":"Because I wanna make sure that I obviously","start":1175.445,"end":1176.885,"sentiment":"neutral","sentiment_score":0.1554979830980301}],"sentiment":"neutral","sentiment_score":0.130299146931905,"channel":0,"num_words":13,"start":1174.485,"end":1176.885},{"sentences":[{"text":"fine.","start":1176.57,"end":1176.82,"sentiment":"neutral","sentiment_score":0.16173464059829712},{"text":"Yep.","start":1176.82,"end":1177.32,"sentiment":"neutral","sentiment_score":0.1466648280620575}],"sentiment":"neutral","sentiment_score":0.1541997343301773,"channel":1,"num_words":2,"start":1176.57,"end":1177.32},{"sentences":[{"text":"dig deep and have a look at everything properly.","start":1176.885,"end":1178.805,"sentiment":"neutral","sentiment_score":0.1880685496661398},{"text":"I don't wanna rush through putting something together.","start":1178.805,"end":1181.625,"sentiment":"neutral","sentiment_score":0.06573558272793889},{"text":"And and I'll talk to you again on Monday.","start":1182.965,"end":1184.805,"sentiment":"neutral","sentiment_score":0.09080034246047337},{"text":"Alright?","start":1184.805,"end":1185.305,"sentiment":"neutral","sentiment_score":0.14067073166370392}],"sentiment":"neutral","sentiment_score":0.11764353417136052,"channel":0,"num_words":27,"start":1176.885,"end":1185.305},{"sentences":[{"text":"Okay.","start":1185.805,"end":1186.045,"sentiment":"neutral","sentiment_score":0.30210983753204346},{"text":"Sounds good.","start":1186.045,"end":1186.865,"sentiment":"positive","sentiment_score":0.5705528855323792}],"sentiment":"positive","sentiment_score":0.48107186953226727,"channel":1,"num_words":3,"start":1185.805,"end":1186.865},{"sentences":[{"text":"Absolutely.","start":1187.3,"end":1187.8,"sentiment":"neutral","sentiment_score":0.2673780024051666},{"text":"Was there any questions that you might have had for me while we were on the phone before Monday?","start":1187.86,"end":1192.28,"sentiment":"neutral","sentiment_score":0.04793913123246871}],"sentiment":"neutral","sentiment_score":0.0589110747911036,"channel":0,"num_words":20,"start":1187.3,"end":1192.28},{"sentences":[{"text":"No.","start":1194.4451,"end":1194.765,"sentiment":"neutral","sentiment_score":-0.2591486871242523},{"text":"I don't think so.","start":1194.765,"end":1195.8251,"sentiment":"neutral","sentiment_score":-0.2275957614183426},{"text":"No.","start":1196.525,"end":1196.685,"sentiment":"neutral","sentiment_score":-0.20318065583705905},{"text":"It all sounds","start":1196.685,"end":1197.245,"sentiment":"neutral","sentiment_score":-0.13523302475611368}],"sentiment":"neutral","sentiment_score":-0.19760127365589142,"channel":1,"num_words":9,"start":1194.4451,"end":1197.245},{"sentences":[{"text":"No.","start":1197.06,"end":1197.56,"sentiment":"neutral","sentiment_score":-0.2440360188484192}],"sentiment":"neutral","sentiment_score":-0.2440360188484192,"channel":0,"num_words":1,"start":1197.06,"end":1197.56},{"sentences":[{"text":"good.","start":1197.245,"end":1197.485,"sentiment":"neutral","sentiment_score":-0.10180924832820892},{"text":"I can understand everything.","start":1197.485,"end":1198.7051,"sentiment":"neutral","sentiment_score":-0.06443796306848526}],"sentiment":"neutral","sentiment_score":-0.07191222012043,"channel":1,"num_words":5,"start":1197.245,"end":1198.7051},{"sentences":[{"text":"Good.","start":1200.355,"end":1200.855,"sentiment":"neutral","sentiment_score":0.1447765827178955},{"text":"No.","start":1200.915,"end":1201.155,"sentiment":"neutral","sentiment_score":-0.020710624754428864},{"text":"That's okay.","start":1201.155,"end":1201.7151,"sentiment":"neutral","sentiment_score":0.018729701085248962},{"text":"If you do have any questions when it comes to it, you know, either write them down or we'll chat on Monday, and we can go through from there.","start":1201.7151,"end":1208.035,"sentiment":"neutral","sentiment_score":0.07681686354094538},{"text":"Okay?","start":1208.035,"end":1208.535,"sentiment":"neutral","sentiment_score":0.08550373464822769}],"sentiment":"neutral","sentiment_score":0.07278582757263553,"channel":0,"num_words":34,"start":1200.355,"end":1208.535},{"sentences":[{"text":"Okay.","start":1208.75,"end":1209.0701,"sentiment":"neutral","sentiment_score":0.28004950284957886},{"text":"Sounds good.","start":1209.0701,"end":1209.89,"sentiment":"positive","sentiment_score":0.7637680172920227},{"text":"Excellent.","start":1210.1101,"end":1210.6101,"sentiment":"positive","sentiment_score":0.8549889326095581}],"sentiment":"positive","sentiment_score":0.6656436175107956,"channel":1,"num_words":4,"start":1208.75,"end":1210.6101},{"sentences":[{"text":"Fantastic.","start":1210.4689,"end":1210.9689,"sentiment":"positive","sentiment_score":0.8752946853637695},{"text":"A pleasure","start":1211.5089,"end":1211.9889,"sentiment":"positive","sentiment_score":0.8632319569587708}],"sentiment":"positive","sentiment_score":0.8672528664271036,"channel":0,"num_words":3,"start":1210.4689,"end":1211.9889},{"sentences":[{"text":"Alright.","start":1211.6488,"end":1212.0488,"sentiment":"positive","sentiment_score":0.7330707311630249}],"sentiment":"positive","sentiment_score":0.7330707311630249,"channel":1,"num_words":1,"start":1211.6488,"end":1212.0488},{"sentences":[{"text":"speaking","start":1211.9889,"end":1212.2289,"sentiment":"positive","sentiment_score":0.6427178978919983}],"sentiment":"positive","sentiment_score":0.6427178978919983,"channel":0,"num_words":1,"start":1211.9889,"end":1212.2289},{"sentences":[{"text":"Thank you","start":1212.0488,"end":1212.3689,"sentiment":"positive","sentiment_score":0.7999126017093658}],"sentiment":"positive","sentiment_score":0.7999126017093658,"channel":1,"num_words":2,"start":1212.0488,"end":1212.3689},{"sentences":[{"text":"to","start":1212.2289,"end":1212.3888,"sentiment":"positive","sentiment_score":0.7886329889297485}],"sentiment":"positive","sentiment_score":0.7886329889297485,"channel":0,"num_words":1,"start":1212.2289,"end":1212.3888},{"sentences":[{"text":"for","start":1212.3689,"end":1212.6089,"sentiment":"positive","sentiment_score":0.7374345660209656}],"sentiment":"positive","sentiment_score":0.7374345660209656,"channel":1,"num_words":1,"start":1212.3689,"end":1212.6089},{"sentences":[{"text":"you, Sandra.","start":1212.3888,"end":1213.0488,"sentiment":"positive","sentiment_score":0.7143291234970093}],"sentiment":"positive","sentiment_score":0.7143291234970093,"channel":0,"num_words":2,"start":1212.3888,"end":1213.0488},{"sentences":[{"text":"ringing.","start":1212.6089,"end":1213.1089,"sentiment":"positive","sentiment_score":0.4138620793819427}],"sentiment":"positive","sentiment_score":0.4138620793819427,"channel":1,"num_words":1,"start":1212.6089,"end":1213.1089},{"sentences":[{"text":"That's","start":1213.3489,"end":1213.7489,"sentiment":"neutral","sentiment_score":0.2101268768310547}],"sentiment":"neutral","sentiment_score":0.2101268768310547,"channel":0,"num_words":1,"start":1213.3489,"end":1213.7489},{"sentences":[{"text":"Okay.","start":1213.5688,"end":1213.8888,"sentiment":"neutral","sentiment_score":0.2535150349140167}],"sentiment":"neutral","sentiment_score":0.2535150349140167,"channel":1,"num_words":1,"start":1213.5688,"end":1213.8888},{"sentences":[{"text":"okay.","start":1213.7489,"end":1214.2489,"sentiment":"neutral","sentiment_score":0.238190233707428}],"sentiment":"neutral","sentiment_score":0.238190233707428,"channel":0,"num_words":1,"start":1213.7489,"end":1214.2489},{"sentences":[{"text":"We'll talk soon.","start":1213.8888,"end":1214.8689,"sentiment":"neutral","sentiment_score":0.21721607943375906}],"sentiment":"neutral","sentiment_score":0.21721607943375906,"channel":1,"num_words":3,"start":1213.8888,"end":1214.8689},{"sentences":[{"text":"We","start":1214.9489,"end":1215.1888,"sentiment":"neutral","sentiment_score":0.0356031134724617}],"sentiment":"neutral","sentiment_score":0.0356031134724617,"channel":0,"num_words":1,"start":1214.9489,"end":1215.1888},{"sentences":[{"text":"Alright.","start":1215.1688,"end":1215.6688,"sentiment":"neutral","sentiment_score":0.09545111656188963}],"sentiment":"neutral","sentiment_score":0.09545111656188963,"channel":1,"num_words":1,"start":1215.1688,"end":1215.6688},{"sentences":[{"text":"will.","start":1215.1888,"end":1215.6888,"sentiment":"neutral","sentiment_score":0.09389074146747588}],"sentiment":"neutral","sentiment_score":0.09389074146747588,"channel":0,"num_words":1,"start":1215.1888,"end":1215.6888},{"sentences":[{"text":"Alright.","start":1216.0488,"end":1216.5488,"sentiment":"neutral","sentiment_score":0.09451405704021454}],"sentiment":"neutral","sentiment_score":0.09451405704021454,"channel":1,"num_words":1,"start":1216.0488,"end":1216.5488},{"sentences":[{"text":"Bye.","start":1216.0688,"end":1216.5688,"sentiment":"neutral","sentiment_score":0.08812969923019409}],"sentiment":"neutral","sentiment_score":0.08812969923019409,"channel":0,"num_words":1,"start":1216.0688,"end":1216.5688},{"sentences":[{"text":"Bye.","start":1216.6089,"end":1217.1089,"sentiment":"neutral","sentiment_score":-0.1220492273569107}],"sentiment":"neutral","sentiment_score":-0.1220492273569107,"channel":1,"num_words":1,"start":1216.6089,"end":1217.1089}]},"summary":{"result":"success","short":"A financial planner from Oakview Financial, named Shaissa, calls Sandra to discuss her retirement plans and tax savings strategies. They discuss retirement age, income requirements, and retirement plans, including buying a house and investing in travel to Africa. The agent suggests keeping the current plan and investment funds to make it affordable for the customer to travel and make small purchases, and schedules a follow-up call for Monday to discuss insurance outcomes."},"intents":{"segments":[{"text":"So as I said, the I'm a financial planner, so I've I'm I'm registered with Afic, and I am, I guess, duly authorized to be able to provide financial advice. I've done quite a lot of study in my in my years, and and I've been in the industry for well over a decade. Okay.","start_word":109,"end_word":163,"intents":[{"intent":"Provide financial advice","confidence_score":0.028879864}]},{"text":"Now I understand goals wise, you're wanting to travel back to Africa and and go and, you know, explore. Is that something that you're wanting sort of financial advice on with respect to budgeting for it, or is that No. something you're just saving away for?","start_word":288,"end_word":333,"intents":[{"intent":"Understand budgeting","confidence_score":0.055288494}]},{"text":"67 is the Yep. age that a lot of people focus on as retirement because the age that the age pension becomes available. Mhmm.","start_word":723,"end_word":746,"intents":[{"intent":"Clarify retirement age","confidence_score":0.57342356},{"intent":"Identify retirement age","confidence_score":0.016108599},{"intent":"Identify retirement age","confidence_score":0.06659683},{"intent":"Clarify retirement age","confidence_score":0.04640111}]},{"text":"tax saving strategies around, you know, minimizing tax and stuff like that Yep. through using your superannuation as a tax vehicle while not minimizing your income. That's obviously Okay.","start_word":883,"end_word":911,"intents":[{"intent":"Provide tax saving strategies","confidence_score":0.011619211},{"intent":"Recommend tax savings","confidence_score":0.00058692344},{"intent":"Address tax and income concerns","confidence_score":0.00009863177}]},{"text":"Now I know that in retirement, you were saying you wanted a sort of an income around a thousand dollars a week. I can see that currently you're on, like, $94,000 a year.","start_word":955,"end_word":987,"intents":[{"intent":"Identify income","confidence_score":0.0004759049}]},{"text":"And then what you're looking for in your retirement is basically the ability to just travel, enjoy yourself. Well, just be able to do what I wanna do when I wanna do it.","start_word":1531,"end_word":1563,"intents":[{"intent":"Determine purpose","confidence_score":0.0060427194}]},{"text":"Do you wanna look at investing it for your, like, some of it for yourself? Would you wanna look at keeping it? I understand you need to like, you need to travel back to New Zealand in July, so there's obviously Yep. expenses that come with that Yeah. and that we have the, you know, the Africa travel as well. Do you wanna look at investing that to maybe help with traveling to Africa?","start_word":2084,"end_word":2157,"intents":[{"intent":"Discuss investments for travel and house purchase","confidence_score":0.0000036045612}]},{"text":"give it six six months until things settle down, and and we can have a look at, you know, possibly, like, doing a bit of an investment with with those funds or with some of those Yep. funds depending on what's left Yep. over just Yeah.","start_word":2321,"end_word":2366,"intents":[{"intent":"Plan retirement plan","confidence_score":0.035092626}]},{"text":"So what I can look at is making sure that, you know, I'm covering off your income needs when it comes to, you know, you being able to to support yourself if Yeah.","start_word":2731,"end_word":2763,"intents":[{"intent":"Cover income and sustain self","confidence_score":0.00012349655}]},{"text":"I'm obviously gonna take into consideration wanting to focus more on growing our super funds than on having insurance premiums in place.","start_word":2778,"end_word":2799,"intents":[{"intent":"Grow super funds","confidence_score":0.71542645}]},{"text":"I know that you already disclosed, like, no medical history, but I just Yep. wanted to confirm, did you like, you've like, have you ever had a surgery, or do you take any form of medication?","start_word":2907,"end_word":2942,"intents":[{"intent":"Confirm medical history","confidence_score":0.22080345},{"intent":"Confirm medical history","confidence_score":0.09519086}]},{"text":"I don't take any medication. Yep.","start_word":2943,"end_word":2948,"intents":[{"intent":"Clarify medication usage","confidence_score":0.001955475}]},{"text":"No time off work for any bullying, harassment, anything like that? No. Fantastic.","start_word":2992,"end_word":3004,"intents":[{"intent":"Discuss mental health concerns","confidence_score":0.05273635}]},{"text":"Well, leave things with me, and what I'll do is I'll give you a call Monday afternoon, probably around this same That's time, that fine.","start_word":3237,"end_word":3261,"intents":[{"intent":"Schedule call","confidence_score":0.103071965}]}]},"sentiments":{"segments":[{"text":"Hi. Sandra speaking. Hi. Good afternoon, Sandra. Sorry. Hi, Sandra. It's Larissa from Oakview Financial. I'm the financial adviser with the team. How are you going?","start_word":0,"end_word":25,"sentiment":"neutral","sentiment_score":0.12825408577919006},{"text":"Good. Thanks. That's good.","start_word":26,"end_word":29,"sentiment":"positive","sentiment_score":0.5495098829269409},{"text":"I was just giving you a call following on from a conversation you had with my colleagues. I Yep. believe you were speaking with Fabian earlier? Yeah.","start_word":30,"end_word":56,"sentiment":"neutral","sentiment_score":0.0971083641052246},{"text":"Fantastic.","start_word":57,"end_word":57,"sentiment":"positive","sentiment_score":0.411902368068695},{"text":"Have I got you at a good time? Yeah. No. That's fine. That's fine. I'm free at the moment.","start_word":58,"end_word":76,"sentiment":"neutral","sentiment_score":0.14013554155826569},{"text":"Perfect. Good. I'm glad I caught you.","start_word":77,"end_word":83,"sentiment":"positive","sentiment_score":0.5560386180877686},{"text":"Well, before I tell you what I do, just need to let you know our calls are recorded, if that's okay. Yeah. That's fine.","start_word":84,"end_word":107,"sentiment":"neutral","sentiment_score":0.0382484570145607},{"text":"Fantastic.","start_word":108,"end_word":108,"sentiment":"positive","sentiment_score":0.4781215190887451},{"text":"So as I said, the I'm a financial planner, so I've I'm I'm registered with Afic, and I am, I guess, duly authorized to be able to provide financial advice. I've done quite a lot of study in my in my years, and and I've been in the industry for well over a decade. Okay. Now my whole role is to work for you. So every piece of advice I give and and every client I speak to is very different, and that's purely and simply because every client needs change. So the goals that you have set out for yourself are gonna be different to anyone else else's goals. Sure. So I've had a look at all the information that you've given, which thank you so much.","start_word":109,"end_word":236,"sentiment":"neutral","sentiment_score":0.09231338649988174},{"text":"You've you've definitely outlined things fantastically, which is nice.","start_word":237,"end_word":245,"sentiment":"positive","sentiment_score":0.5761533379554749},{"text":"And I guess I just wanna, I guess, learn you a little bit more and make sure that I am acting, you know, in a way that's gonna benefit you and and and Mhmm. work for you long time long term. Sure. Now I understand goals wise, you're wanting to travel back to Africa and and go and, you know, explore. Is that something that you're wanting sort of financial advice on with respect to budgeting for it, or is that No. something you're just saving away for? It's just a personal Yeah. call you have for That's yourself. that's just something that I I would like to like to do. Yes. Again, that's all. Yeah. No.","start_word":246,"end_word":362,"sentiment":"neutral","sentiment_score":0.09981554211714327},{"text":"That's beautiful.","start_word":363,"end_word":364,"sentiment":"positive","sentiment_score":0.5605579614639282},{"text":"I I've been to Africa before on a safari. I I can Yeah.","start_word":365,"end_word":377,"sentiment":"neutral","sentiment_score":0.27030298113822937},{"text":"tikked in in my in my youth and my four kids, and it was gorgeous. Absolutely Yeah. Yeah. gorgeous. It was pretty special. Yeah. Pretty special.","start_word":378,"end_word":403,"sentiment":"positive","sentiment_score":0.42554646730422974},{"text":"Yeah.","start_word":404,"end_word":404,"sentiment":"neutral","sentiment_score":0.29060354828834534},{"text":"Yeah. I just oh, I just loved it. I just love to go back again if I could, you know. Yeah. Go and see the sights, and, honestly, Zimbabwe is gorgeous, and the animals are phenomenal.","start_word":405,"end_word":440,"sentiment":"positive","sentiment_score":0.5191405415534973},{"text":"Like, you see the TV and, like, you know, you see them on TV and they are just nothing compared to what they're like in real life. Yeah. Like, Yeah. it's beautiful and anyway so aside from that, you're you're wanting to sort of look at getting as much out of your superannuation as you can. You have a bit of a goal to wanna try and get your balance to 400,000 plus before you hit retirement. Well, that'd be nice. Yeah. You No. know, if I could sort of double it, that'd be lovely. Perfect. No. Absolutely. Now I see that you have a retirement age of 67. Can I ask, is that a designated age that you believe you wanna retire No. or an age that No. you feel you're forced? It's just that's just the retirement age. So I don't know. If if I win a lottery tomorrow, mate, who gives a shit? I'll be I'll be dumb and dusted. You'll be done. And and I won't I won't give a shit how much is it more in in, you know, super. But Yeah. you gotta buy tickets to do that, so that's probably not gonna happen. So, basically, I I who knows? I you know, we've got a couple of blokes here at work that are still you know, they're 75. K. I'm still So following along. yeah. You know, like, I don't know. I I don't know when when I'm going to retire, but theoretically, you know, around the 70 mark, I guess. Yeah. No. That's okay. So Yep. I I I guess I just wanna make sure that, like, clarification and education purposes. So 65 sorry. 67 is the Yep. age that a lot of people focus on as retirement because the age that the age pension becomes available. Mhmm. For superannuation, you can actually start accessing super from age 60 with some restrictions. And Yep. then from 65, it's pretty much, like, open irrespective of what your work circumstances look like. Okay. Yep. So I just wanna make sure, I guess, you have those ages in mind just so I guess, if something happens or realistically Alright. speaking, within the next three years, because you have the same birthday as my mother. She's a little bit older than you, but Well, you won't forget her on Mother's Day then, will you? no.","start_word":441,"end_word":839,"sentiment":"neutral","sentiment_score":0.032907061330171156},{"text":"I shard. Never do. Poor love.","start_word":840,"end_word":845,"sentiment":"negative","sentiment_score":-0.3917139768600464},{"text":"She often falls on Mother's Day. So, yeah, the the the you like, you know, you turn you turn 57 this year, and realistically speaking, within the next three years, we could do some pretty cool Okay. tax saving strategies around, you know, minimizing tax and stuff like that Yep. through using your superannuation as a tax vehicle while not minimizing your income. That's obviously Okay. an important aspect.","start_word":846,"end_word":914,"sentiment":"neutral","sentiment_score":0.16703873872756958},{"text":"It's Yep. something to look for look forward to in three years' time. Always love trying to, you know, use the loopholes we can to pay the least amount of tax possible.","start_word":915,"end_word":946,"sentiment":"positive","sentiment_score":0.34598636627197266},{"text":"Yep.","start_word":947,"end_word":947,"sentiment":"neutral","sentiment_score":0.24938957393169403},{"text":"But, yeah, that's something to look forward.","start_word":948,"end_word":954,"sentiment":"positive","sentiment_score":0.3878880739212036},{"text":"Now I know that in retirement, you were saying you wanted a sort of an income around a thousand dollars a week. I can see that currently you're on, like, $94,000 a year. So those numbers are a little bit, I Yep. guess, I skewed I from what each what's other. yeah. What what is my thing now?","start_word":955,"end_word":1012,"sentiment":"neutral","sentiment_score":0.06390140077163434},{"text":"I have no idea.","start_word":1013,"end_word":1016,"sentiment":"negative","sentiment_score":-0.3578003942966461},{"text":"No. That's I was okay. like, well, it wouldn't rain. I was just sorta like, oh, shoot. I don't know. I just sort of plucked a few figures out of the ear to be quite quite honest. Yeah. No. I know.","start_word":1017,"end_word":1057,"sentiment":"neutral","sentiment_score":-0.22764217853546145},{"text":"Sometimes it's hard when someone's, like, ask the questions flat out.","start_word":1058,"end_word":1068,"sentiment":"negative","sentiment_score":-0.3783854842185974},{"text":"Realistically Yeah. speaking, what your income looks like right now net, so after you after the tax was taken out, you're on about 1,400 a week. Now that's out of your your 94,000. You Yep. earned about 73 and some change after tax, Yep. and, you know, it's about 14,000 sorry, 1,400 in your pocket.","start_word":1069,"end_word":1123,"sentiment":"neutral","sentiment_score":0.04416016861796379},{"text":"Now I have here that you're saving pretty consistently $200 a week.","start_word":1124,"end_word":1135,"sentiment":"positive","sentiment_score":0.33781301975250244},{"text":"So, realistically Yep. speaking, that indicates to me that your current needs so, you know, what you're actually spending per week outside of what you're saving is about $1,200 per week. Okay. And that would be across, you know, any of the the bills and stuff that you have, you know, discretionary spending as well, I am sure. Yep. Now one of the questions I did wanna ask, because we have a car, we have a savings, we have a credit card. Currently, living wise, are we renting? Do we house share with family? What's our living circumstances? Okay. Well, at the moment, I rent. Yeah. And and fingers crossed, within the next three months, I I I've never been in a position to buy a house. Yeah. I just I just haven't had the money behind me to be able to do so. But my daughter is looking at possibly buying a house within the next three months. Well, Yeah. if she if she does, it'll be before the June 30 so she gets the benefits. So if that happens, then she can't afford to do it on her own. So I will be going on the loan on the mortgage, but it's, you know, just as a you know, so to get her across the line. But I won't sort of be contributing much at all, if that makes sense. Yeah. Yeah. So you'll you're gonna go on the mortgage as a as a secondary, like, purchaser or Yeah. Just a just guarantor. to boost the yeah. I have to go as a second purchaser Yeah. just for the for the sake of the income. Yeah. Yeah. For serviceability. Okay. Yep. Yep. Is that an option for you to be able to move in and, like, live No. with her or no. That's No. okay. No. She she lives an hour away. Fair enough. I'm I'm I'm not prepared to travel an hour every day for work. No. Like, That's obviously, completely if the push came to shove, you know, if I had to, then, yeah. But at this stage, no.","start_word":1136,"end_word":1488,"sentiment":"neutral","sentiment_score":-0.009993239714851122},{"text":"That's not something I'm looking at doing.","start_word":1489,"end_word":1495,"sentiment":"negative","sentiment_score":-0.3740834593772888},{"text":"no. That's okay. Alright. So you're quite comfortable renting, and, obviously, we just need to make sure that we have the income to be able to support your rental Yep. needs. That's fine. Yeah.","start_word":1496,"end_word":1529,"sentiment":"neutral","sentiment_score":0.12900349497795105},{"text":"Perfect. And then what you're looking for in your retirement is basically the ability to just travel, enjoy yourself.","start_word":1530,"end_word":1548,"sentiment":"positive","sentiment_score":0.35266122221946716},{"text":"Well, just be able to do what I wanna do when I wanna do it. You know, I like, love I'm I'm not saying I'm gonna be jet lagging across the world. But if I if I if I want to go on a holiday and go somewhere, yeah. then obviously I, you know, it'd be a preplanned thing. Yeah. And, you know, I'll work towards that and yeah. Do it. You you wanna basically have the ability to to say, you know, you have the $20,000 each year that's in excess of what your income needs are to be able to realistically go and travel and do do what you wanna do. Yeah. Yeah.","start_word":1549,"end_word":1663,"sentiment":"neutral","sentiment_score":0.15982505342234735},{"text":"Perfect. Okay. Now that's fantastic, and that gives me a really, really good scope of things, which is fantastic.","start_word":1664,"end_word":1682,"sentiment":"positive","sentiment_score":0.7106968760490417},{"text":"Now with regards to your occupation, I can see that we're 100% office space. We've we've worked there for a good number of years, which is great. So I assume we have some decent annual long service leave built up. Oh, yeah. Yeah. Perfect. I got about eight hundred hours. Of of sick of annual late. Sorry. Annual and long service. I got my long service here at five years. Oh, wow. They they perroder it. No. Yes. Yes. Yes. Six and a half weeks at five years. Yeah. It's it's Beautiful. we're under an EBA. Oh, lovely. So yeah.","start_word":1683,"end_word":1782,"sentiment":"neutral","sentiment_score":0.07611523568630219},{"text":"Absolutely lovely. Perfect. Amazing.","start_word":1783,"end_word":1786,"sentiment":"positive","sentiment_score":0.5525920391082764},{"text":"And I can see that your employer also pays 14% super contributions as well. So they're Mhmm. paying above Again, the minimum it's part requirement. of the EBA. Yep.","start_word":1787,"end_word":1815,"sentiment":"neutral","sentiment_score":0.09015627950429916},{"text":"Beautiful. Love an EBA. Fantastic.","start_word":1816,"end_word":1820,"sentiment":"positive","sentiment_score":0.3911883234977722},{"text":"Are there any restrictions to your EBA or is it just No. No. Are No. there any other benefits that they offer under the EBA that I possibly need Maternity to know about? leave, but I'm part of that. Yeah. No. Nothing really. Nothing else that for me. Oh, well, I do my salary sacrifice, obviously. Perfect. Yes. And I salary sacrifice super as well. Yes. Yeah. No. I see that you you pay about $2,600 a year as salary sacrifice. Well, I've just bumped it up to a $100 a fortnight. Yes. Yeah. Yeah. Which Yep. is yeah. Okay. $20.20 Yeah. yeah. 2,600 across the year. Perfect. Oh, you got me thinking, and I just added up my hours. I've got 854. Oh, beautiful. A hundred and fifty four hours of combined long service and sick leave.","start_word":1821,"end_word":1958,"sentiment":"neutral","sentiment_score":0.025894861668348312},{"text":"That's amazing.","start_word":1959,"end_word":1960,"sentiment":"positive","sentiment_score":0.3591204881668091},{"text":"Yes. Yep. And that's the other thing. Again, under the EBA here, if I walk out tomorrow, I walk out with all my sick leaves. And your sick leave? Yep. Beautiful. Yep. So is your sick leave included in that $8.54? Yes. It is. Yep.","start_word":1961,"end_word":2005,"sentiment":"neutral","sentiment_score":0.04686384805374676},{"text":"Beautiful. Amazing. It's a good EBA. Very good. That's lovely. Amazing.","start_word":2006,"end_word":2016,"sentiment":"positive","sentiment_score":0.7665305733680725},{"text":"Now I can see that we have $35,000 sitting in the savings account. Does that currently have a, I guess, an earmarked direction for it? Are we No. is that what we're what just saving? Well, if yeah. I I may have to probably put possibly 10 to 20,000 to my daughter. Yep. But other than that, no. It's just it's just money that's sitting there. Okay. Do you wanna look at investing it for your, like, some of it for yourself? Would you wanna look at keeping it? I understand you need to like, you need to travel back to New Zealand in July, so there's obviously Yep. expenses that come with that Yeah. and that we have the, you know, the Africa travel as well. Do you wanna look at investing that to maybe help with traveling to Africa? Or Well, I'm not I'll probably now have to wait and to see what Missy's doing and yeah. see where you know, but, yeah, that's something I can I hadn't thought about that? As I say, I've I've got it in a higher inch higher interest savings account. So I I get a 100 well, we have end of end of April, I got a $144,144 dollars interest. Beautiful. I mean, we could probably So look it at is doing a little bit better, but it's good that you like, you're incur like, you're getting decent interest on it. It's not, you know, 3<unk>, yeah. which is good. Obviously, yeah, with possibility of purchasing a house in the next couple of months, we'll we we can hold off on making any drastic changes to the finances yet, and then Yep. we can have a look at things, you know, maybe in the new in the financial year or, you know, maybe Yep. give it six six months until things settle down, and and we can have a look at, you know, possibly, like, doing a bit of an investment with with those funds or with some of those Yep. funds depending on what's left Yep. over just Yeah. to Yeah. help So you help you to be able to do the travel and everything like that. Mhmm.","start_word":2017,"end_word":2384,"sentiment":"neutral","sentiment_score":0.051980591682798186},{"text":"Perfect.","start_word":2385,"end_word":2385,"sentiment":"positive","sentiment_score":0.7036161422729492},{"text":"Now at the moment, you you have your Australian Retirement Trust account, and you have the life and the total Yes. permanent disability insurance that are held within that fund. Now one of the biggest things that I always wanna do is I wanna make sure that I don't affect someone's insurance.","start_word":2386,"end_word":2437,"sentiment":"neutral","sentiment_score":0.2145860195159912},{"text":"So I wanna make sure that if it's important to you that we we we keep it protected. Now I can see that you're ultimately just wanting to make sure that the kids are looked after and that, you know, you're not gonna be a burden financially.","start_word":2438,"end_word":2484,"sentiment":"positive","sentiment_score":0.5179038643836975},{"text":"Mhmm. What I wanna find out is if anything were to happen to you, what what would you want the family to have? Do you is it just anything that I have you know, any any money that's left over is just it it's good and it's good for them, or do you wanna leave a specific amount for, you know, for your daughters? How many if if you don't mind me asking, how many kids do you have? Okay. Sorry. One of each.","start_word":2485,"end_word":2568,"sentiment":"neutral","sentiment_score":0.13150711357593536},{"text":"Oh, beautiful.","start_word":2569,"end_word":2570,"sentiment":"positive","sentiment_score":0.5937138199806213},{"text":"I went for the third. Two boys and two boys and a girl. It created extra chaos for me. You know, I haven't I haven't really thought that far ahead, basically. Whatever I've Yeah. Alright. got, That that's okay. Because, I mean, realistically, if something were to happen to you tomorrow, the there's car's there, the savings account's there, the you know, your superannuation balance is yep. and can form part of your estate. So that's, Yep. you know, basically, let's just call it $218,000 split between them. That's over a $100,000 each that they would receive plus the $36,000 in in life insurance. Yep.","start_word":2571,"end_word":2675,"sentiment":"neutral","sentiment_score":0.07228557467460632},{"text":"Now, like, you know, they are adult children, so that's just gonna give them a boost to their life financially.","start_word":2676,"end_word":2695,"sentiment":"positive","sentiment_score":0.47822538018226624},{"text":"But I Yep.","start_word":2696,"end_word":2698,"sentiment":"neutral","sentiment_score":-0.01628018729388714},{"text":"think the biggest part is is with total current disability, if anything were to happen to you, it's the possibility of being a financial burden, not having enough to to support you.","start_word":2699,"end_word":2730,"sentiment":"negative","sentiment_score":-0.3992466628551483},{"text":"So what I can look at is making sure that, you know, I'm covering off your income needs when it comes to, you know, you being able to to support yourself if Yeah. you were to not have an income anymore and what that might look like. I'm obviously gonna take into consideration wanting to focus more on growing our super funds than on having insurance premiums in place. I don't wanna Yep. be costing, you know, an arm and a leg of premiums that are not necessarily, you know, gonna be used. But it's like car insurance. Sometimes we pay our premiums, we don't need it, and then other times, Well, you it's fine. But know it's it's all We a gamble, do. isn't Very much so. So I'll it? have a look at what that might look like. The good thing is is you're in a nice sedentary office based role. So, you know, you've you've got good occupation behind you for for any any insurance application there. I did just wanna ask you. I know that you already disclosed, like, no medical history, but I just Yep. wanted to confirm, did you like, you've like, have you ever had a surgery, or do you take any form of medication? I don't take any medication. Yep. I've had my appendix out forty That's years ago. that's fine. No one's gonna mind about that one. Have you ever had an insurance claim before, like, claimed on any form of insurance policy? No. No. And no, you know, mental health concerns? No time off work for any bullying, harassment, anything like that? No.","start_word":2731,"end_word":3003,"sentiment":"neutral","sentiment_score":-0.006536864209920168},{"text":"Fantastic. I love it. Alright. Perfect.","start_word":3004,"end_word":3009,"sentiment":"positive","sentiment_score":0.6926574011643728},{"text":"Well, I'll have a look at look into all of that and and see where we land with the insurance outcomes. No. I'll look at, you know, what kind of amounts that we might look like, you know, how I'll factor in how much we need. Probably looking around, you know, your income, you know, multiplied by a few years to to make sure that, you know, you have income that's gonna support you. Yep. And then, obviously, factoring in any lump sum benefits that we could could be able to obtain as well, like your superannuation balance, stuff like that. Mhmm. So I'll have a look at that. Now I have you scheduled in for Monday. Leave things with me and see how I go, but would you be amenable to maybe meeting with me Tuesday just because I do know that I have a bit of a crazy last couple of days of the week, and I wanna make sure that I can obviously do things justice. But I just have a funny feeling you have Monday off work. Yeah. I have Monday off because Yeah. then my brother arrives on Tuesday. Alright. That's So okay. then I'm flat out for the next Flat two weeks. out. No. That's okay. Alright. Well As as well as moving office, as well as no. That's yeah. okay. Well, leave things with me, and what I'll do is I'll give you a call Monday afternoon, probably around this same That's time, that fine. sort of 03:30, 04:00, That's and we can chat there. Because I wanna make sure that I obviously fine. Yep. dig deep and have a look at everything properly. I don't wanna rush through putting something together. And and I'll talk to you again on Monday. Alright? Okay.","start_word":3010,"end_word":3309,"sentiment":"neutral","sentiment_score":0.060365695506334305},{"text":"Sounds good.","start_word":3310,"end_word":3311,"sentiment":"positive","sentiment_score":0.5614392757415771},{"text":"Absolutely. Was there any questions that you might have had for me while we were on the phone before Monday? No. I don't think so. No. It all sounds No. good. I can understand everything. Good. No. That's okay. If you do have any questions when it comes to it, you know, either write them down or we'll chat on Monday, and we can go through from there. Okay? Okay.","start_word":3312,"end_word":3381,"sentiment":"neutral","sentiment_score":0.018509031353252273},{"text":"Sounds good. Excellent. Fantastic. A pleasure Alright. speaking Thank you to for you, Sandra. ringing.","start_word":3382,"end_word":3396,"sentiment":"positive","sentiment_score":0.7177990674972534},{"text":"That's Okay. okay. We'll talk soon. We Alright. will. Alright. Bye. Bye.","start_word":3397,"end_word":3408,"sentiment":"neutral","sentiment_score":0.14438799023628235}],"average":{"sentiment":"neutral","sentiment_score":0.08483399749285597}}}}