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Beautiful. Beautiful. Well, thank you for spending a few minutes with me this morning. I was just gonna go through your annual review. Beautiful. So I have a bit of an email pack I'm gonna pop through to you. Will you be able to look on to your emails with me today, or should I just walk you through what's coming through? Beautiful. And Yeah, mate. Brett, go for it. Details have been changed. Needs advice. Yes. We did a our staff updated your address to, yeah, updated your address on the account, which we can do online pretty easily. Speaking of which, I'll just grab your date of birth and address for security if that's alright. Perfect. Yes. Perfect. Perfect. Yeah. So when Michelle got you booked in for your review, she updated the address on Netwealth there just to match over our road. Yeah. Absolutely. And I've got the old one there as Dural Dural Street, Hornsby. It was a unit. Yep. Perfect. Perfect. Alrighty. Outside of that, go for it. Okay. So should we do yep. Perfect. So it's the old two factor authentication that's trapping you at the moment. Alrighty. Alrighty. Alright. So we got the two factor code not coming through the phone. Cool. I'll get Michelle to have a look at that with Netwealth and see if we can get that reset for you. Perfect. And, Brian, just while you're doing that with our new system, I'm just gonna cross reference the details just to make sure it's all correct because we've moved all of our clients across and kind of custom built a system for ourselves. Fantastic for tracking tasks and everything. Just wanna make sure it's all up to date. The main thing I'm looking at in terms of advice and goals and everything was you've got this transition pension going on, which is kind of supplementing your income, and you're looking at possibly hanging up the boots at maybe 65 and doing a bit of a combination between the super, and I believe you've got a lot of shares there as well. Yep. Will we be factoring those into that retirement outcome at 65, or should we just kind of, like, keep the super growing, keep supplementing the income, and then they'll come in a little bit later? Yep. While I've got that Yeah. Yeah. Perfect. And hopefully because what I was looking at, those webjets and mining and lithium there. Hopefully, those are gonna get some good growth, and hopefully, they did last year as well. Okay. So can I just get just a quick updated value on what's left over in terms of share value? It definitely wouldn't be seven 100 thousand. Yep. Good move. K. And, Yep. I can just put that as an estimate. And I'm gonna do a quick check of yeah. No. That's fine. The property value so I'm just doing a quick updated online check. It's looking like it's 1 0.3. You think that's okay to put down for asset value? Third. Third of that. Third. And what would be your loan value leftover for your portion? No loans just bought outright with the shares and everything? Okay. Perfect. Well, I'm glad that that you got it into a property from them. That's probably one of the best outcomes to see is selling them off to get an asset behind you, which is fantastic. No renovations or anything on the go for that property. Is it all pretty well set? Perfect. Are you still working as a lift technician on about 50 or 40 to 50 thousand? Yep. And the the pension that's coming out to you from your super, how are you finding cash flow wise? Is it okay? Yep. Okay. Three days a week. Fantastic. It's a bit of a slowdown. Perfect. Perfect. Any need to adjust that at all? K. Yeah. It was about 600 a week is what I've got noted down. Yeah. Yep. It was basically transitioning between now for that couple of 100 to supplement the income and then about 600 a week net of tax after 65. After 60 5 net of tax. Perfect. And with the income, it's about 600 a week at the moment. Okay. And 600 a week after tax or before tax is what you're getting? Yeah. Absolutely. Perfect. I'll put that 31,000 in there just as a bit of a conservative estimate for the 600 a week just for your current employment income. And is it are you doing that with Uplift Elevators, or did you change employers? Yep. Sensational. Estate planning wise, just quickly on that one, we've got three beneficiaries noted for the super and the pension, Trevor, Michelle, and Nicole. 30 five, 30 five, thirty percent. Okay. Any changes needed there, or are you happy to keep that one going? Perfect. Alrighty. Did you end up getting, like, a will and a power of attorney put in place there, Brian? It's one of those ones. It's always back of minds, and it's like who's got the time to do it too. Yeah. I get you. Easy done. And, obviously, no insurances or anything because it's all pretty much pension phase at this point, and you've got enough in assets to to carry you through. Super's gone up to over 400,000 now, so some good news for you is market took a bit of a tumble, but even with the the pension that came out of the TTR pension, it's grown a couple of grand on top of what came out, and then the supers bumped up another $15 as well. So I'm looking at I'm just gonna go in and get some updated figures for you for today. Now you're in a pretty yeah. Because you don't have the access. I'll get Michelle into that straight away. Yep. Okay. Now one of the things to to keep in mind too is because when you're getting to that 65, we're gonna convert all of the super over into this account based pension. And when it's in pension phase, everything is tax free. The earnings are tax free. The income you draw down is tax free. Yeah. You're right. Yeah. I've got you. Can you hear me alright? Yeah. No. That's alright. What I'm thinking of, when you go into pension phase, let's say '65, you're in a pretty tax free environment. Everything it earns in returns is tax free, and everything you withdraw is tax free as well. Now with the shares, the options for disposal are pretty much two two main options. Because you've got full access to super at that point, let's say you sell them and you do up like a capital gain. You can concessionally contribute that into the super to drop the taxes down and then pull it back out again if you need it. The okay. So we'll have to be careful that when you do dispose of them because your other option is that if the taxes aren't gonna be too big of a deal is you could possibly put it in as a non concessional contribution to super so there's no tax fee dependents when they receive it. So those two options is pretty much what I'll explore with you in a few years' time. But I just wanted to let you know that we'll pretty much have to bounce between the two and check the capital gains when you go to dispose of them. Yeah. Just give us a bell. I'll walk you through the options. We'll see what the gains look like, and then we'll just see which one's gonna work out best for you. Cool. Now when it comes to your risk profile, because you're in this transition phase and you're about to retire in a few years, everything is in a pretty defensive portfolio. So, again, it's pretty much trying to mimic returns just above cash. So, you know, what you would get in savings above that. It's obviously been a bit of a low year with the markets going down, so it's still positive two to 4%, but it's not that six or seven that you would normally get in a good year. Are you comfortable just to kind of keep maintaining a pretty safe risk level? Yep. Yes. I do. So so we've got I'll just add them up. We've got $1.67 in the super from $1.50, and then we've got $2.37 in the pension. So $4.00 5 is what you've got currently plus the shares. Now you pretty much need between 3 to 600,000 for that retirement goal. So 300,000 would be the the lower end where it would last about twenty to twenty five years, whereas 600,000 is it wouldn't deplete at all. So we're in those last few periods of getting a little bit of contributions and growth out of it, maybe end up with $4.50, 500, whatever it is, but you're pretty much smack bang on track for the goal. And then with the house there plus the shares, you've pretty much got the trifecta. Oh, I can imagine. The rents have gone up pretty crazy. Yep. Anything else planned in the next few years that I should account for? Beautiful. Now one thing I wanted to broach with you, Brian, is for the investments inside the super, there's still a decent amount of growth assets in terms of shares inside the portfolio. I can look at our more up to date conservative portfolios and see if maybe I can make it even safer and maybe try and get a slightly better return out of it if you want me to go see what I can come up with. It's doing pretty well at the moment, but I can make it that one peg safer, maybe get a slightly better return. Yep. And if it's gonna be yeah. Yep. So the the only risk you gotta consider, so we'll keep focusing on growth. If I find something that's safer, but it's not a better return, like, I don't get the best both worlds, I'm not gonna change anything. We'll just keep it as is. But just bear in mind that worst case scenario, if we go through a global financial crisis, you probably do stand to see that drop maybe 20% in the worst case, you know, full market meltdown. And even so, you would still be able to keep retiring with that level of volatility anyway, but it may be a thing where it's like, if you want to at the time, maybe you delay retirement by a year just to let it bounce back a little bit before you start drawing that much down. Or you draw that much down and you just understand that there's a bit of a sequencing risk where market's going down and you're pulling funds out, so it slows it down a bit more. Yeah. Pretty much. So we work with you on adjusting that regularly. Yep. Perfect. Now when we do hit that 65, obviously, we're gonna look at that full transition to pension phase, maybe wind down the shares, and we'll probably meet possibly even every three to six months just to check-in on how it's going and and what you need income wise. But once you get to that point, it's full access. So if you go, hey, Matt. I need $10 for a car or something. You can pull that out as long as we don't go overboard with it. In between now and then, do you want me to just kind of pencil in for that twelve monthly review? Do you want me to touch base with you more frequently? What would you be your preference? Yep. Yep. Hopefully. It evens out in the end. Yeah. Cool. So, look, if anything does change, just give us a buzz, and we can adjust things. But I'll just make sure that we touch base at least every twelve months until we get to that pension pay. Yep. Okay. Yeah. Yeah. So inside that purple button to do the signing, it'll bring up all the documents for you to review. And what you've basically got in there is all of your assets in the super. That's four pages. Then all of your assets in your pension. We've got an updated services guide with us, a couple of service agreements there because you're on the the discounted fee, the 1.1%, so the 1.65, and that's for the two accounts averaged off. I will let you know as well, serving the guys that are bringing in a bit of a tiered fee structure next year. So everyone above 200,000 will start to get some discounts in about twelve months' time. So I'll make sure I flag that once all the paperwork's all drawn up, and we've got annual agreements in place for that next review as well. Two other pieces of documents that are kind of new is there's a bit of a tax file number opt in there because there was a lot of cybersecurity issues in Australia last year. We just wanna make sure that we can get your consent to hold your tax file number on one document rather than five digital systems. So we just wanna make sure you're comfortable because we obviously we use that for the super and the pension. Yep. And the only other thing was there's a bit of a lost super search, which isn't really that important, but we do always ping the government system just to see if there's anything else that's been floating around that we don't know about as a one off check. So we've got access to to ping SuperStream. So we just do that as a bit of background check just in case. Yeah. All the contributions are going into Netwealth that I can see. And if there was anything floating out there after eighteen months, they close it down anyway, and the government tends to move it across to your active account. Yeah. Yeah. Alright. So I'll do a bit of a check on the portfolio side of things. I'm not gonna rebalance anything between your two accounts at this point. I'm just gonna keep letting it grow until we need to adjust your income. Because if I piled all of your super into that pension account, that minimum is gonna push up how much you have to pull out of it. That's alright, mate. Take your time. The buttons will bring you to the spots. Those purple buttons will take just pop it there. Oh, yeah. Chore it with a mouth. Not always easy. Yep. It all comes full circle. And when you get to the bottom, there should be because it let's you skip through all the documents. There's, like, a next document, next document button. And then at the back, it'll say validate, and it'll do a little loading circle and ask you to save a a signed copy for yourself. Yeah. There's one for the super, one for the pension. And then after that, there'll be the tax file number and the lost super search. So it'll be four, and then it's pretty much skip everything else. Yeah. And then after that last one, it may do the spinning loading symbol for a little while depending on Internet connection. Beautiful. So I'll just wait a moment for that to pop through. Just while that's loading, Brian, is there anything else I can do for you besides the Netwealth login? So far, so good. Yeah. And that's what we want is we want it to be growing enough to supplement what's coming out, and that's ideal. Yep. High growth, high risk. Yep. Yeah. Alright. That's come through. Yeah. And we gotta be careful not to lose it all. But, hey, that signature's come through. It's looking pretty good, mate. So it's not not as drunk as you said. Alright, Brian. I'm gonna get the admin team onto that login fix for you straight away, work on that this week for you. If I come up with something for the portfolio, I'm gonna get them to call in to book in to go through the updated document to show you what I've come up with. If not, they'll just kind of let you know that I wasn't able to find anything, but I might just have a quick chat with you just to make sure you're you're happy with where it's at. Alright. Anything else you need, just let us know. Yeah. And so far, I don't think there's any need to, again, change super platforms at this point. Like, we do use quite a few. But I think there's one that I found that's, like, a tiny bit cheaper, but there's a bit of capital gains tax to move it across. Once you're in pension phase, that goes away as a problem anyway. So I don't there's nothing out there that I think would be a huge improvement on where you are. Alright, Brian. Thanks so much for taking the time today, and I'll hopefully talk to you in a couple of weeks' time. Awesome. Have a great day, mate. Thank you so much. 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morning, Brian. It's Tommy here, senior adviser at Oakview. How are you doing today? I'm living the dream. It's a beautiful freezing cold wet day on the Gold Coast.\n\nWhat about your end? Beautiful. Beautiful. Well, thank you for spending a few minutes with me this morning. I was just gonna go through your annual review.\n\nBeautiful. So I have a bit of an email pack I'm gonna pop through to you. Will you be able to look on to your emails with me today, or should I just walk you through what's coming through? Beautiful. And Yeah, mate.\n\nBrett, go for it. Details have been changed. Needs advice. Yes. We did a our staff updated your address to, yeah, updated your address on the account, which we can do online pretty easily.\n\nSpeaking of which, I'll just grab your date of birth and address for security if that's alright. Perfect. Yes. Perfect. Perfect.\n\nYeah. So when Michelle got you booked in for your review, she updated the address on Netwealth there just to match over our road. Yeah. Absolutely. And I've got the old one there as Dural Dural Street, Hornsby.\n\nIt was a unit. Yep. Perfect. Perfect. Alrighty.\n\nOutside of that, go for it. Okay. So should we do yep. Perfect. So it's the old two factor authentication that's trapping you at the moment.\n\nAlrighty. Alrighty. Alright. So we got the two factor code not coming through the phone. Cool.\n\nI'll get Michelle to have a look at that with Netwealth and see if we can get that reset for you. Perfect. And, Brian, just while you're doing that with our new system, I'm just gonna cross reference the details just to make sure it's all correct because we've moved all of our clients across and kind of custom built a system for ourselves. Fantastic for tracking tasks and everything. Just wanna make sure it's all up to date.\n\nThe main thing I'm looking at in terms of advice and goals and everything was you've got this transition pension going on, which is kind of supplementing your income, and you're looking at possibly hanging up the boots at maybe 65 and doing a bit of a combination between the super, and I believe you've got a lot of shares there as well. Yep. Will we be factoring those into that retirement outcome at 65, or should we just kind of, like, keep the super growing, keep supplementing the income, and then they'll come in a little bit later? Yep. While I've got that Yeah.\n\nYeah. Perfect. And hopefully because what I was looking at, those webjets and mining and lithium there. Hopefully, those are gonna get some good growth, and hopefully, they did last year as well. Okay.\n\nSo can I just get just a quick updated value on what's left over in terms of share value? It definitely wouldn't be seven 100 thousand. Yep. Good move. K.\n\nAnd, Yep. I can just put that as an estimate. And I'm gonna do a quick check of yeah. No. That's fine.\n\nThe property value so I'm just doing a quick updated online check. It's looking like it's 1 0.3. You think that's okay to put down for asset value? Third. Third of that.\n\nThird. And what would be your loan value leftover for your portion? No loans just bought outright with the shares and everything? Okay. Perfect.\n\nWell, I'm glad that that you got it into a property from them. That's probably one of the best outcomes to see is selling them off to get an asset behind you, which is fantastic. No renovations or anything on the go for that property. Is it all pretty well set? Perfect.\n\nAre you still working as a lift technician on about 50 or 40 to 50 thousand? Yep. And the the pension that's coming out to you from your super, how are you finding cash flow wise? Is it okay? Yep.\n\nOkay. Three days a week. Fantastic. It's a bit of a slowdown. Perfect.\n\nPerfect. Any need to adjust that at all? K. Yeah. It was about 600 a week is what I've got noted down.\n\nYeah. Yep. It was basically transitioning between now for that couple of 100 to supplement the income and then about 600 a week net of tax after 65. After 60 5 net of tax. Perfect.\n\nAnd with the income, it's about 600 a week at the moment. Okay. And 600 a week after tax or before tax is what you're getting? Yeah. Absolutely.\n\nPerfect. I'll put that 31,000 in there just as a bit of a conservative estimate for the 600 a week just for your current employment income. And is it are you doing that with Uplift Elevators, or did you change employers? Yep. Sensational.\n\nEstate planning wise, just quickly on that one, we've got three beneficiaries noted for the super and the pension, Trevor, Michelle, and Nicole. 30 five, 30 five, thirty percent. Okay. Any changes needed there, or are you happy to keep that one going? Perfect.\n\nAlrighty. Did you end up getting, like, a will and a power of attorney put in place there, Brian? It's one of those ones. It's always back of minds, and it's like who's got the time to do it too. Yeah.\n\nI get you. Easy done. And, obviously, no insurances or anything because it's all pretty much pension phase at this point, and you've got enough in assets to to carry you through. Super's gone up to over 400,000 now, so some good news for you is market took a bit of a tumble, but even with the the pension that came out of the TTR pension, it's grown a couple of grand on top of what came out, and then the supers bumped up another $15 as well. So I'm looking at I'm just gonna go in and get some updated figures for you for today.\n\nNow you're in a pretty yeah. Because you don't have the access. I'll get Michelle into that straight away. Yep. Okay.\n\nNow one of the things to to keep in mind too is because when you're getting to that 65, we're gonna convert all of the super over into this account based pension. And when it's in pension phase, everything is tax free. The earnings are tax free. The income you draw down is tax free. Yeah.\n\nYou're right. Yeah. I've got you. Can you hear me alright? Yeah.\n\nNo. That's alright. What I'm thinking of, when you go into pension phase, let's say '65, you're in a pretty tax free environment. Everything it earns in returns is tax free, and everything you withdraw is tax free as well. Now with the shares, the options for disposal are pretty much two two main options.\n\nBecause you've got full access to super at that point, let's say you sell them and you do up like a capital gain. You can concessionally contribute that into the super to drop the taxes down and then pull it back out again if you need it. The okay. So we'll have to be careful that when you do dispose of them because your other option is that if the taxes aren't gonna be too big of a deal is you could possibly put it in as a non concessional contribution to super so there's no tax fee dependents when they receive it. So those two options is pretty much what I'll explore with you in a few years' time.\n\nBut I just wanted to let you know that we'll pretty much have to bounce between the two and check the capital gains when you go to dispose of them. Yeah. Just give us a bell. I'll walk you through the options. We'll see what the gains look like, and then we'll just see which one's gonna work out best for you.\n\nCool. Now when it comes to your risk profile, because you're in this transition phase and you're about to retire in a few years, everything is in a pretty defensive portfolio. So, again, it's pretty much trying to mimic returns just above cash. So, you know, what you would get in savings above that. It's obviously been a bit of a low year with the markets going down, so it's still positive two to 4%, but it's not that six or seven that you would normally get in a good year.\n\nAre you comfortable just to kind of keep maintaining a pretty safe risk level? Yep. Yes. I do. So so we've got I'll just add them up.\n\nWe've got $1.67 in the super from $1.50, and then we've got $2.37 in the pension. So $4.00 5 is what you've got currently plus the shares. Now you pretty much need between 3 to 600,000 for that retirement goal. So 300,000 would be the the lower end where it would last about twenty to twenty five years, whereas 600,000 is it wouldn't deplete at all. So we're in those last few periods of getting a little bit of contributions and growth out of it, maybe end up with $4.50, 500, whatever it is, but you're pretty much smack bang on track for the goal.\n\nAnd then with the house there plus the shares, you've pretty much got the trifecta. Oh, I can imagine. The rents have gone up pretty crazy. Yep. Anything else planned in the next few years that I should account for?\n\nBeautiful. Now one thing I wanted to broach with you, Brian, is for the investments inside the super, there's still a decent amount of growth assets in terms of shares inside the portfolio. I can look at our more up to date conservative portfolios and see if maybe I can make it even safer and maybe try and get a slightly better return out of it if you want me to go see what I can come up with. It's doing pretty well at the moment, but I can make it that one peg safer, maybe get a slightly better return. Yep.\n\nAnd if it's gonna be yeah. Yep. So the the only risk you gotta consider, so we'll keep focusing on growth. If I find something that's safer, but it's not a better return, like, I don't get the best both worlds, I'm not gonna change anything. We'll just keep it as is.\n\nBut just bear in mind that worst case scenario, if we go through a global financial crisis, you probably do stand to see that drop maybe 20% in the worst case, you know, full market meltdown. And even so, you would still be able to keep retiring with that level of volatility anyway, but it may be a thing where it's like, if you want to at the time, maybe you delay retirement by a year just to let it bounce back a little bit before you start drawing that much down. Or you draw that much down and you just understand that there's a bit of a sequencing risk where market's going down and you're pulling funds out, so it slows it down a bit more. Yeah. Pretty much.\n\nSo we work with you on adjusting that regularly. Yep. Perfect. Now when we do hit that 65, obviously, we're gonna look at that full transition to pension phase, maybe wind down the shares, and we'll probably meet possibly even every three to six months just to check-in on how it's going and and what you need income wise. But once you get to that point, it's full access.\n\nSo if you go, hey, Matt. I need $10 for a car or something. You can pull that out as long as we don't go overboard with it. In between now and then, do you want me to just kind of pencil in for that twelve monthly review? Do you want me to touch base with you more frequently?\n\nWhat would you be your preference? Yep. Yep. Hopefully. It evens out in the end.\n\nYeah. Cool. So, look, if anything does change, just give us a buzz, and we can adjust things. But I'll just make sure that we touch base at least every twelve months until we get to that pension pay. Yep.\n\nOkay. Yeah. Yeah. So inside that purple button to do the signing, it'll bring up all the documents for you to review. And what you've basically got in there is all of your assets in the super.\n\nThat's four pages. Then all of your assets in your pension. We've got an updated services guide with us, a couple of service agreements there because you're on the the discounted fee, the 1.1%, so the 1.65, and that's for the two accounts averaged off. I will let you know as well, serving the guys that are bringing in a bit of a tiered fee structure next year. So everyone above 200,000 will start to get some discounts in about twelve months' time.\n\nSo I'll make sure I flag that once all the paperwork's all drawn up, and we've got annual agreements in place for that next review as well. Two other pieces of documents that are kind of new is there's a bit of a tax file number opt in there because there was a lot of cybersecurity issues in Australia last year. We just wanna make sure that we can get your consent to hold your tax file number on one document rather than five digital systems. So we just wanna make sure you're comfortable because we obviously we use that for the super and the pension. Yep.\n\nAnd the only other thing was there's a bit of a lost super search, which isn't really that important, but we do always ping the government system just to see if there's anything else that's been floating around that we don't know about as a one off check. So we've got access to to ping SuperStream. So we just do that as a bit of background check just in case. Yeah. All the contributions are going into Netwealth that I can see.\n\nAnd if there was anything floating out there after eighteen months, they close it down anyway, and the government tends to move it across to your active account. Yeah. Yeah. Alright. So I'll do a bit of a check on the portfolio side of things.\n\nI'm not gonna rebalance anything between your two accounts at this point. I'm just gonna keep letting it grow until we need to adjust your income. Because if I piled all of your super into that pension account, that minimum is gonna push up how much you have to pull out of it. That's alright, mate. Take your time.\n\nThe buttons will bring you to the spots. Those purple buttons will take just pop it there. Oh, yeah. Chore it with a mouth. Not always easy.\n\nYep. It all comes full circle. And when you get to the bottom, there should be because it let's you skip through all the documents. There's, like, a next document, next document button. And then at the back, it'll say validate, and it'll do a little loading circle and ask you to save a a signed copy for yourself.\n\nYeah. There's one for the super, one for the pension. And then after that, there'll be the tax file number and the lost super search. So it'll be four, and then it's pretty much skip everything else. Yeah.\n\nAnd then after that last one, it may do the spinning loading symbol for a little while depending on Internet connection. Beautiful. So I'll just wait a moment for that to pop through. Just while that's loading, Brian, is there anything else I can do for you besides the Netwealth login? So far, so good.\n\nYeah. And that's what we want is we want it to be growing enough to supplement what's coming out, and that's ideal. Yep. High growth, high risk. Yep.\n\nYeah. Alright. That's come through. Yeah. And we gotta be careful not to lose it all.\n\nBut, hey, that signature's come through. It's looking pretty good, mate. So it's not not as drunk as you said. Alright, Brian. I'm gonna get the admin team onto that login fix for you straight away, work on that this week for you.\n\nIf I come up with something for the portfolio, I'm gonna get them to call in to book in to go through the updated document to show you what I've come up with. If not, they'll just kind of let you know that I wasn't able to find anything, but I might just have a quick chat with you just to make sure you're you're happy with where it's at. Alright. Anything else you need, just let us know. Yeah.\n\nAnd so far, I don't think there's any need to, again, change super platforms at this point. Like, we do use quite a few. But I think there's one that I found that's, like, a tiny bit cheaper, but there's a bit of capital gains tax to move it across. Once you're in pension phase, that goes away as a problem anyway. So I don't there's nothing out there that I think would be a huge improvement on where you are.\n\nAlright, Brian. Thanks so much for taking the time today, and I'll hopefully talk to you in a couple of weeks' time. Awesome. Have a great day, mate. Thank you so much.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good morning, Brian.","start":3.6799998,"end":4.48,"sentiment":"positive","sentiment_score":0.3587975601355235},{"text":"It's Tommy here, senior adviser at Oakview.","start":4.48,"end":6.3199997,"sentiment":"neutral","sentiment_score":0.26928665169647764},{"text":"How are you doing today?","start":6.3199997,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.28957338333129884},{"text":"I'm living the dream.","start":9.2,"end":10.16,"sentiment":"positive","sentiment_score":0.565106064081192},{"text":"It's a beautiful freezing cold wet day on the Gold Coast.","start":10.16,"end":12.559999,"sentiment":"positive","sentiment_score":0.4273207458582791}],"sentiment":"positive","sentiment_score":0.3790072873234749,"num_words":30,"start":3.6799998,"end":12.559999},{"sentences":[{"text":"What about your end?","start":12.559999,"end":13.635,"sentiment":"neutral","sentiment_score":0.11836826056241989},{"text":"Beautiful.","start":21.555,"end":22.035,"sentiment":"positive","sentiment_score":0.5402810573577881},{"text":"Beautiful.","start":22.035,"end":22.435001,"sentiment":"positive","sentiment_score":0.5369982719421387},{"text":"Well, thank you for spending a few minutes with me this morning.","start":22.435001,"end":25.015,"sentiment":"positive","sentiment_score":0.5203573430577914},{"text":"I was just gonna go through your annual review.","start":25.235,"end":27.494999,"sentiment":"neutral","sentiment_score":0.19805441631211174}],"sentiment":"positive","sentiment_score":0.354723342038967,"num_words":27,"start":12.559999,"end":27.494999},{"sentences":[{"text":"Beautiful.","start":28.900002,"end":29.400002,"sentiment":"positive","sentiment_score":0.4013369679450989},{"text":"So I have a bit of an email pack I'm gonna pop through to you.","start":29.460001,"end":33.46,"sentiment":"neutral","sentiment_score":0.1490255743265152},{"text":"Will you be able to look on to your emails with me today, or should I just walk you through what's coming through?","start":33.46,"end":38.2,"sentiment":"neutral","sentiment_score":0.09304008681489073},{"text":"Beautiful.","start":39.875,"end":40.375,"sentiment":"neutral","sentiment_score":0.12830926477909088},{"text":"And Yeah, mate.","start":40.515,"end":42.915,"sentiment":"neutral","sentiment_score":-0.009046263682345549}],"sentiment":"neutral","sentiment_score":0.11343751286784577,"num_words":43,"start":28.900002,"end":42.915},{"sentences":[{"text":"Brett, go for it.","start":42.915,"end":43.975,"sentiment":"neutral","sentiment_score":-0.0025343680754303932},{"text":"Details have been changed.","start":58.37,"end":59.59,"sentiment":"neutral","sentiment_score":-0.0389014333486557},{"text":"Needs advice.","start":59.73,"end":60.55,"sentiment":"neutral","sentiment_score":-0.009819217957556248},{"text":"Yes.","start":61.33,"end":61.73,"sentiment":"neutral","sentiment_score":0.03457006812095642},{"text":"We did a our staff updated your address to, yeah, updated your address on the account, which we can do online pretty easily.","start":61.73,"end":72.955,"sentiment":"neutral","sentiment_score":0.06917020305991173}],"sentiment":"neutral","sentiment_score":0.04235597343786674,"num_words":34,"start":42.915,"end":72.955},{"sentences":[{"text":"Speaking of which, I'll just grab your date of birth and address for security if that's alright.","start":73.415,"end":77.915,"sentiment":"neutral","sentiment_score":0.03184123786495013},{"text":"Perfect.","start":83.35,"end":83.85,"sentiment":"neutral","sentiment_score":0.14092588424682617},{"text":"Yes.","start":87.509995,"end":88.009995,"sentiment":"neutral","sentiment_score":0.02105284109711647},{"text":"Perfect.","start":95.045,"end":95.445,"sentiment":"neutral","sentiment_score":0.20095805823802948},{"text":"Perfect.","start":95.445,"end":95.845,"sentiment":"neutral","sentiment_score":0.16596423089504242}],"sentiment":"neutral","sentiment_score":0.05096200277053174,"num_words":21,"start":73.415,"end":95.845},{"sentences":[{"text":"Yeah.","start":95.845,"end":96.165,"sentiment":"neutral","sentiment_score":0.04948856309056282},{"text":"So when Michelle got you booked in for your review, she updated the address on Netwealth there just to match over our road.","start":96.165,"end":103.465,"sentiment":"neutral","sentiment_score":0.03339068083416508},{"text":"Yeah.","start":106.66,"end":107.16,"sentiment":"neutral","sentiment_score":-0.010062484070658684},{"text":"Absolutely.","start":107.62,"end":108.12,"sentiment":"neutral","sentiment_score":0.024145590141415596},{"text":"And I've got the old one there as Dural Dural Street, Hornsby.","start":108.82,"end":112.600006,"sentiment":"neutral","sentiment_score":0.001663021769976088}],"sentiment":"neutral","sentiment_score":0.02240825235754815,"num_words":38,"start":95.845,"end":112.600006},{"sentences":[{"text":"It was a unit.","start":112.66,"end":113.46001,"sentiment":"neutral","sentiment_score":-0.010451036039739847},{"text":"Yep.","start":113.46001,"end":113.96001,"sentiment":"neutral","sentiment_score":-0.024515634402632713},{"text":"Perfect.","start":115.46001,"end":115.96001,"sentiment":"neutral","sentiment_score":0.21034520864486697},{"text":"Perfect.","start":116.020004,"end":116.520004,"sentiment":"neutral","sentiment_score":0.2202587127685547},{"text":"Alrighty.","start":116.98,"end":117.48,"sentiment":"neutral","sentiment_score":0.09226502478122713}],"sentiment":"neutral","sentiment_score":0.05706864595413208,"num_words":8,"start":112.66,"end":117.48},{"sentences":[{"text":"Outside of that, go for it.","start":117.78,"end":119.505,"sentiment":"neutral","sentiment_score":-0.06809359726806481},{"text":"Okay.","start":122.305,"end":122.805,"sentiment":"neutral","sentiment_score":-0.05414567142724991},{"text":"So should we do yep.","start":123.185,"end":132.005,"sentiment":"neutral","sentiment_score":-0.01717531345784664},{"text":"Perfect.","start":133.93,"end":134.25,"sentiment":"positive","sentiment_score":0.3920815587043762},{"text":"So it's the old two factor authentication that's trapping you at the moment.","start":134.25,"end":138.11,"sentiment":"neutral","sentiment_score":0.028854116869087402}],"sentiment":"neutral","sentiment_score":0.00840774060298617,"num_words":26,"start":117.78,"end":138.11},{"sentences":[{"text":"Alrighty.","start":139.37,"end":139.87,"sentiment":"neutral","sentiment_score":0.014064354822039604},{"text":"Alrighty.","start":142.25,"end":142.75,"sentiment":"neutral","sentiment_score":-0.1233622580766678},{"text":"Alright.","start":147.465,"end":147.78499,"sentiment":"neutral","sentiment_score":-0.02416255697607994},{"text":"So we got the two factor code not coming through the phone.","start":147.78499,"end":151.64499,"sentiment":"neutral","sentiment_score":-0.042655390997727714},{"text":"Cool.","start":153.305,"end":153.545,"sentiment":"positive","sentiment_score":0.41809433698654175}],"sentiment":"neutral","sentiment_score":-0.014201925951056182,"num_words":16,"start":139.37,"end":153.545},{"sentences":[{"text":"I'll get Michelle to have a look at that with Netwealth and see if we can get that reset for you.","start":153.545,"end":159.27,"sentiment":"positive","sentiment_score":0.36323811752455576},{"text":"Perfect.","start":165.51001,"end":166.01001,"sentiment":"positive","sentiment_score":0.44135043025016785},{"text":"And, Brian, just while you're doing that with our new system, I'm just gonna cross reference the details just to make sure it's all correct because we've moved all of our clients across and kind of custom built a system for ourselves.","start":166.07,"end":176.30501,"sentiment":"neutral","sentiment_score":0.27120810924541383},{"text":"Fantastic for tracking tasks and everything.","start":176.925,"end":178.845,"sentiment":"positive","sentiment_score":0.7754674156506857},{"text":"Just wanna make sure it's all up to date.","start":178.845,"end":181.185,"sentiment":"positive","sentiment_score":0.40187887019581264}],"sentiment":"positive","sentiment_score":0.35101020015493223,"num_words":79,"start":153.545,"end":181.185},{"sentences":[{"text":"The main thing I'm looking at in terms of advice and goals and everything was you've got this transition pension going on, which is kind of supplementing your income, and you're looking at possibly hanging up the boots at maybe 65 and doing a bit of a combination between the super, and I believe you've got a lot of shares there as well.","start":182.525,"end":200.865,"sentiment":"neutral","sentiment_score":0.05691053798156125},{"text":"Yep.","start":208.38501,"end":208.88501,"sentiment":"neutral","sentiment_score":-0.019077390432357788},{"text":"Will we be factoring those into that retirement outcome at 65, or should we just kind of, like, keep the super growing, keep supplementing the income, and then they'll come in a little bit later?","start":211.425,"end":223.15001,"sentiment":"neutral","sentiment_score":0.021613681050283568},{"text":"Yep.","start":226.09,"end":226.59,"sentiment":"neutral","sentiment_score":0.062248580157756805},{"text":"While I've got that Yeah.","start":226.755,"end":231.815,"sentiment":"neutral","sentiment_score":-0.020434727519750596}],"sentiment":"neutral","sentiment_score":0.04078895506404695,"num_words":105,"start":182.525,"end":231.815},{"sentences":[{"text":"Yeah.","start":239.01001,"end":239.25,"sentiment":"positive","sentiment_score":0.3908005952835083},{"text":"Perfect.","start":239.25,"end":239.65001,"sentiment":"positive","sentiment_score":0.7187166213989258},{"text":"And hopefully because what I was looking at, those webjets and mining and lithium there.","start":239.65001,"end":243.57,"sentiment":"positive","sentiment_score":0.3633347551027934},{"text":"Hopefully, those are gonna get some good growth, and hopefully, they did last year as well.","start":243.57,"end":247.19,"sentiment":"positive","sentiment_score":0.4184723440557718},{"text":"Okay.","start":250.29001,"end":250.77,"sentiment":"neutral","sentiment_score":0.04650820046663284}],"sentiment":"positive","sentiment_score":0.39122365437009754,"num_words":34,"start":239.01001,"end":250.77},{"sentences":[{"text":"So can I just get just a quick updated value on what's left over in terms of share value?","start":250.77,"end":255.675,"sentiment":"neutral","sentiment_score":0.027728887470929248},{"text":"It definitely wouldn't be seven 100 thousand.","start":262.135,"end":264.075,"sentiment":"neutral","sentiment_score":-0.08525527215429715},{"text":"Yep.","start":270.64,"end":271.14,"sentiment":"neutral","sentiment_score":-0.001949632540345192},{"text":"Good move.","start":276.40002,"end":277.22,"sentiment":"neutral","sentiment_score":-0.011769885197281837},{"text":"K.","start":281.875,"end":282.375,"sentiment":"neutral","sentiment_score":-0.01734660379588604}],"sentiment":"neutral","sentiment_score":-0.0037591349954406426,"num_words":30,"start":250.77,"end":282.375},{"sentences":[{"text":"And, Yep.","start":282.75497,"end":290.61002,"sentiment":"neutral","sentiment_score":-0.006977681303396821},{"text":"I can just put that as an estimate.","start":290.61002,"end":292.15,"sentiment":"neutral","sentiment_score":-0.10869491007179022},{"text":"And I'm gonna do a quick check of yeah.","start":294.77,"end":299.33002,"sentiment":"neutral","sentiment_score":-0.012819227452079454},{"text":"No.","start":299.33002,"end":299.57,"sentiment":"neutral","sentiment_score":-0.05848468095064163},{"text":"That's fine.","start":299.57,"end":300.39,"sentiment":"neutral","sentiment_score":-0.019588238559663296}],"sentiment":"neutral","sentiment_score":-0.04984312946908176,"num_words":22,"start":282.75497,"end":300.39},{"sentences":[{"text":"The property value so I'm just doing a quick updated online check.","start":301.745,"end":306.38498,"sentiment":"neutral","sentiment_score":0.0178614283601443},{"text":"It's looking like it's 1 0.3.","start":306.38498,"end":308.16498,"sentiment":"neutral","sentiment_score":0.00783047693160673},{"text":"You think that's okay to put down for asset value?","start":310.305,"end":312.645,"sentiment":"neutral","sentiment_score":0.004307325929403305},{"text":"Third.","start":315.36002,"end":315.86002,"sentiment":"neutral","sentiment_score":0.02063654363155365},{"text":"Third of that.","start":318.8,"end":319.86002,"sentiment":"neutral","sentiment_score":0.020220422185957432}],"sentiment":"neutral","sentiment_score":0.012052845981088467,"num_words":32,"start":301.745,"end":319.86002},{"sentences":[{"text":"Third.","start":324.4,"end":324.9,"sentiment":"neutral","sentiment_score":0.007694399915635586},{"text":"And what would be your loan value leftover for your portion?","start":325.84,"end":329.49503,"sentiment":"neutral","sentiment_score":0.00456732680851763},{"text":"No loans just bought outright with the shares and everything?","start":332.67502,"end":335.095,"sentiment":"neutral","sentiment_score":-0.04920103773474693},{"text":"Okay.","start":336.915,"end":337.415,"sentiment":"neutral","sentiment_score":0.1480472981929779},{"text":"Perfect.","start":338.27502,"end":338.77502,"sentiment":"positive","sentiment_score":0.3720987141132355}],"sentiment":"neutral","sentiment_score":0.003586276240336398,"num_words":24,"start":324.4,"end":338.77502},{"sentences":[{"text":"Well, I'm glad that that you got it into a property from them.","start":346.45,"end":350.13,"sentiment":"positive","sentiment_score":0.5737779300946456},{"text":"That's probably one of the best outcomes to see is selling them off to get an asset behind you, which is fantastic.","start":350.13,"end":356.255,"sentiment":"positive","sentiment_score":0.6077838499437679},{"text":"No renovations or anything on the go for that property.","start":357.995,"end":360.395,"sentiment":"positive","sentiment_score":0.44983409345149994},{"text":"Is it all pretty well set?","start":360.395,"end":361.69498,"sentiment":"positive","sentiment_score":0.4325551887353261},{"text":"Perfect.","start":363.35498,"end":363.85498,"sentiment":"positive","sentiment_score":0.41804081201553345}],"sentiment":"positive","sentiment_score":0.5450398205564573,"num_words":52,"start":346.45,"end":363.85498},{"sentences":[{"text":"Are you still working as a lift technician on about 50 or 40 to 50 thousand?","start":364.79498,"end":377.69,"sentiment":"neutral","sentiment_score":0.06325741793261841},{"text":"Yep.","start":377.69,"end":378.19,"sentiment":"neutral","sentiment_score":0.0455847941339016},{"text":"And the the pension that's coming out to you from your super, how are you finding cash flow wise?","start":379.93,"end":386.455,"sentiment":"neutral","sentiment_score":0.08673919756945811},{"text":"Is it okay?","start":386.455,"end":387.35498,"sentiment":"neutral","sentiment_score":0.06950039913256963},{"text":"Yep.","start":393.99002,"end":394.31,"sentiment":"neutral","sentiment_score":0.04469495639204979}],"sentiment":"neutral","sentiment_score":0.07397360971663147,"num_words":40,"start":364.79498,"end":394.31},{"sentences":[{"text":"Okay.","start":394.31,"end":394.55002,"sentiment":"neutral","sentiment_score":0.06233535334467888},{"text":"Three days a week.","start":394.55002,"end":395.27002,"sentiment":"neutral","sentiment_score":0.07285767421126366},{"text":"Fantastic.","start":395.27002,"end":395.75,"sentiment":"positive","sentiment_score":0.49186721444129944},{"text":"It's a bit of a slowdown.","start":395.75,"end":397.69,"sentiment":"neutral","sentiment_score":-0.002808304193119208},{"text":"Perfect.","start":409.525,"end":410.005,"sentiment":"positive","sentiment_score":0.3775396943092346}],"sentiment":"neutral","sentiment_score":0.09279408721396556,"num_words":13,"start":394.31,"end":410.005},{"sentences":[{"text":"Perfect.","start":410.005,"end":410.32498,"sentiment":"neutral","sentiment_score":0.2722114324569702},{"text":"Any need to adjust that at all?","start":410.32498,"end":412.10498,"sentiment":"neutral","sentiment_score":0.032380811870098114},{"text":"K.","start":419.78,"end":420.28,"sentiment":"neutral","sentiment_score":-0.04234945401549339},{"text":"Yeah.","start":445.41,"end":445.57,"sentiment":"neutral","sentiment_score":-0.006989764980971813},{"text":"It was about 600 a week is what I've got noted down.","start":445.57,"end":448.87,"sentiment":"neutral","sentiment_score":-0.01144685479812324}],"sentiment":"neutral","sentiment_score":0.014189801771532406,"num_words":22,"start":410.005,"end":448.87},{"sentences":[{"text":"Yeah.","start":452.45,"end":452.77002,"sentiment":"neutral","sentiment_score":0.0032523032277822495},{"text":"Yep.","start":452.77002,"end":453.09,"sentiment":"neutral","sentiment_score":0.004062727093696594},{"text":"It was basically transitioning between now for that couple of 100 to supplement the income and then about 600 a week net of tax after 65.","start":453.09,"end":461.825,"sentiment":"neutral","sentiment_score":0.003924032888160302},{"text":"After 60 5 net of tax.","start":464.68503,"end":466.625,"sentiment":"neutral","sentiment_score":-0.01278867976119121},{"text":"Perfect.","start":469.18,"end":469.68,"sentiment":"neutral","sentiment_score":0.20691807568073273}],"sentiment":"neutral","sentiment_score":0.0068435966436352046,"num_words":35,"start":452.45,"end":469.68},{"sentences":[{"text":"And with the income, it's about 600 a week at the moment.","start":469.74,"end":475.92,"sentiment":"neutral","sentiment_score":0.008803655548642078},{"text":"Okay.","start":479.58,"end":480.06,"sentiment":"neutral","sentiment_score":0.03659775108098984},{"text":"And 600 a week after tax or before tax is what you're getting?","start":480.06,"end":484.635,"sentiment":"neutral","sentiment_score":0.034635381343273014},{"text":"Yeah.","start":489.83502,"end":490.33502,"sentiment":"neutral","sentiment_score":-0.06070724129676819},{"text":"Absolutely.","start":492.795,"end":493.295,"sentiment":"neutral","sentiment_score":0.1183685138821602}],"sentiment":"neutral","sentiment_score":0.023220101704022715,"num_words":28,"start":469.74,"end":493.295},{"sentences":[{"text":"Perfect.","start":499.21,"end":499.69,"sentiment":"positive","sentiment_score":0.6265131831169128},{"text":"I'll put that 31,000 in there just as a bit of a conservative estimate for the 600 a week just for your current employment income.","start":499.69,"end":507.07,"sentiment":"positive","sentiment_score":0.415219886302948},{"text":"And is it are you doing that with Uplift Elevators, or did you change employers?","start":510.075,"end":514.095,"sentiment":"neutral","sentiment_score":0.046281253546476366},{"text":"Yep.","start":514.555,"end":515.055,"sentiment":"neutral","sentiment_score":0.020492734387516975},{"text":"Sensational.","start":516.475,"end":516.975,"sentiment":"neutral","sentiment_score":0.06690513342618942}],"sentiment":"neutral","sentiment_score":0.27415411655119687,"num_words":43,"start":499.21,"end":516.975},{"sentences":[{"text":"Estate planning wise, just quickly on that one, we've got three beneficiaries noted for the super and the pension, Trevor, Michelle, and Nicole.","start":518.955,"end":528.24,"sentiment":"neutral","sentiment_score":0.10454703575890997},{"text":"30 five, 30 five, thirty percent.","start":531.98,"end":534.16003,"sentiment":"neutral","sentiment_score":0.05048093758523464},{"text":"Okay.","start":534.22003,"end":534.72003,"sentiment":"neutral","sentiment_score":0.09120861440896988},{"text":"Any changes needed there, or are you happy to keep that one going?","start":534.78,"end":537.675,"sentiment":"neutral","sentiment_score":0.08337313796465214},{"text":"Perfect.","start":540.235,"end":540.735,"sentiment":"neutral","sentiment_score":-0.1743888407945633}],"sentiment":"neutral","sentiment_score":0.08427586398002776,"num_words":44,"start":518.955,"end":540.735},{"sentences":[{"text":"Alrighty.","start":542.075,"end":542.575,"sentiment":"neutral","sentiment_score":0.004751746542751789},{"text":"Did you end up getting, like, a will and a power of attorney put in place there, Brian?","start":543.515,"end":547.295,"sentiment":"neutral","sentiment_score":0.009423626742015282},{"text":"It's one of those ones.","start":552.09,"end":552.73,"sentiment":"neutral","sentiment_score":-0.17820173799991607},{"text":"It's always back of minds, and it's like who's got the time to do it too.","start":552.73,"end":555.87,"sentiment":"neutral","sentiment_score":-0.1031740503385663},{"text":"Yeah.","start":559.69,"end":560.01,"sentiment":"neutral","sentiment_score":0.1598610877990723}],"sentiment":"neutral","sentiment_score":-0.053842814139476634,"num_words":41,"start":542.075,"end":560.01},{"sentences":[{"text":"I get you.","start":560.01,"end":560.91,"sentiment":"neutral","sentiment_score":0.23627191285292307},{"text":"Easy done.","start":561.05,"end":561.705,"sentiment":"positive","sentiment_score":0.33716633915901184},{"text":"And, obviously, no insurances or anything because it's all pretty much pension phase at this point, and you've got enough in assets to to carry you through.","start":562.185,"end":569.085,"sentiment":"neutral","sentiment_score":0.1361794058509447},{"text":"Super's gone up to over 400,000 now, so some good news for you is market took a bit of a tumble, but even with the the pension that came out of the TTR pension, it's grown a couple of grand on top of what came out, and then the supers bumped up another $15 as well.","start":571.22504,"end":587.2,"sentiment":"neutral","sentiment_score":0.15398437649543797},{"text":"So I'm looking at I'm just gonna go in and get some updated figures for you for today.","start":591.035,"end":597.855,"sentiment":"neutral","sentiment_score":0.17932929139998224}],"sentiment":"neutral","sentiment_score":0.1595381575829859,"num_words":106,"start":560.01,"end":597.855},{"sentences":[{"text":"Now you're in a pretty yeah.","start":598.31494,"end":600.15497,"sentiment":"positive","sentiment_score":0.45880259076754254},{"text":"Because you don't have the access.","start":600.15497,"end":601.19495,"sentiment":"neutral","sentiment_score":0.17058435330788294},{"text":"I'll get Michelle into that straight away.","start":601.19495,"end":603.055,"sentiment":"neutral","sentiment_score":0.30059180515153067},{"text":"Yep.","start":608.54,"end":608.94,"sentiment":"neutral","sentiment_score":0.26461517810821533},{"text":"Okay.","start":608.94,"end":609.44,"sentiment":"neutral","sentiment_score":0.2737026810646057}],"sentiment":"neutral","sentiment_score":0.3056562933183852,"num_words":21,"start":598.31494,"end":609.44},{"sentences":[{"text":"Now one of the things to to keep in mind too is because when you're getting to that 65, we're gonna convert all of the super over into this account based pension.","start":614.77997,"end":624.565,"sentiment":"neutral","sentiment_score":0.12343705422244966},{"text":"And when it's in pension phase, everything is tax free.","start":624.78503,"end":627.905,"sentiment":"neutral","sentiment_score":0.11215614601969719},{"text":"The earnings are tax free.","start":627.905,"end":629.105,"sentiment":"neutral","sentiment_score":0.10105802118778229},{"text":"The income you draw down is tax free.","start":629.105,"end":631.28503,"sentiment":"neutral","sentiment_score":0.036128578474745154},{"text":"Yeah.","start":633.56,"end":633.88,"sentiment":"neutral","sentiment_score":0.036599501967430115}],"sentiment":"neutral","sentiment_score":0.10540116841106542,"num_words":56,"start":614.77997,"end":633.88},{"sentences":[{"text":"You're right.","start":633.88,"end":634.54,"sentiment":"neutral","sentiment_score":0.06974288821220398},{"text":"Yeah.","start":655.75,"end":655.91,"sentiment":"neutral","sentiment_score":0.039897941052913666},{"text":"I've got you.","start":655.91,"end":656.47,"sentiment":"neutral","sentiment_score":0.0167476541052262},{"text":"Can you hear me alright?","start":656.47,"end":657.52997,"sentiment":"neutral","sentiment_score":-0.015684138145297767},{"text":"Yeah.","start":663.26996,"end":663.50995,"sentiment":"neutral","sentiment_score":-0.03256036341190338}],"sentiment":"neutral","sentiment_score":0.009887135471217334,"num_words":12,"start":633.88,"end":663.50995},{"sentences":[{"text":"No.","start":663.50995,"end":663.75,"sentiment":"neutral","sentiment_score":-0.08622781187295914},{"text":"That's alright.","start":663.75,"end":664.49,"sentiment":"neutral","sentiment_score":-0.0384330190718174},{"text":"What I'm thinking of, when you go into pension phase, let's say '65, you're in a pretty tax free environment.","start":665.19,"end":672.365,"sentiment":"neutral","sentiment_score":0.04355573253706098},{"text":"Everything it earns in returns is tax free, and everything you withdraw is tax free as well.","start":672.365,"end":677.105,"sentiment":"neutral","sentiment_score":0.13704198029111414},{"text":"Now with the shares, the options for disposal are pretty much two two main options.","start":678.365,"end":684.86,"sentiment":"neutral","sentiment_score":0.04567186286052068}],"sentiment":"neutral","sentiment_score":0.0676874983378432,"num_words":55,"start":663.50995,"end":684.86},{"sentences":[{"text":"Because you've got full access to super at that point, let's say you sell them and you do up like a capital gain.","start":685.32,"end":692.14,"sentiment":"neutral","sentiment_score":0.085160365085239},{"text":"You can concessionally contribute that into the super to drop the taxes down and then pull it back out again if you need it.","start":693.64,"end":700.585,"sentiment":"neutral","sentiment_score":0.10243905025223891},{"text":"The okay.","start":702.725,"end":706.825,"sentiment":"neutral","sentiment_score":-0.10555949062108994},{"text":"So we'll have to be careful that when you do dispose of them because your other option is that if the taxes aren't gonna be too big of a deal is you could possibly put it in as a non concessional contribution to super so there's no tax fee dependents when they receive it.","start":709.765,"end":725.955,"sentiment":"neutral","sentiment_score":0.08272197207918873},{"text":"So those two options is pretty much what I'll explore with you in a few years' time.","start":727.875,"end":732.515,"sentiment":"neutral","sentiment_score":0.29301318350960226}],"sentiment":"neutral","sentiment_score":0.11378597694759568,"num_words":120,"start":685.32,"end":732.515},{"sentences":[{"text":"But I just wanted to let you know that we'll pretty much have to bounce between the two and check the capital gains when you go to dispose of them.","start":732.515,"end":739.62,"sentiment":"neutral","sentiment_score":0.0729581539829572},{"text":"Yeah.","start":747.14,"end":747.54,"sentiment":"neutral","sentiment_score":0.1496269404888153},{"text":"Just give us a bell.","start":747.54,"end":748.5,"sentiment":"neutral","sentiment_score":0.162920081615448},{"text":"I'll walk you through the options.","start":748.5,"end":749.86,"sentiment":"neutral","sentiment_score":0.19257611533006033},{"text":"We'll see what the gains look like, and then we'll just see which one's gonna work out best for you.","start":749.86,"end":753.975,"sentiment":"neutral","sentiment_score":0.22759147584438325}],"sentiment":"neutral","sentiment_score":0.14290738995036772,"num_words":62,"start":732.515,"end":753.975},{"sentences":[{"text":"Cool.","start":755.735,"end":756.235,"sentiment":"positive","sentiment_score":0.5143262147903442},{"text":"Now when it comes to your risk profile, because you're in this transition phase and you're about to retire in a few years, everything is in a pretty defensive portfolio.","start":757.33496,"end":766.475,"sentiment":"neutral","sentiment_score":0.10239995308220387},{"text":"So, again, it's pretty much trying to mimic returns just above cash.","start":768.06,"end":772.7,"sentiment":"neutral","sentiment_score":0.1853224647541841},{"text":"So, you know, what you would get in savings above that.","start":772.7,"end":775.12,"sentiment":"neutral","sentiment_score":0.11464455723762512},{"text":"It's obviously been a bit of a low year with the markets going down, so it's still positive two to 4%, but it's not that six or seven that you would normally get in a good year.","start":775.89996,"end":784.335,"sentiment":"neutral","sentiment_score":-0.026100112477669846}],"sentiment":"neutral","sentiment_score":0.06709428958512925,"num_words":91,"start":755.735,"end":784.335},{"sentences":[{"text":"Are you comfortable just to kind of keep maintaining a pretty safe risk level?","start":785.35504,"end":788.895,"sentiment":"neutral","sentiment_score":0.2070478850177356},{"text":"Yep.","start":790.955,"end":791.455,"sentiment":"neutral","sentiment_score":0.11076142638921738},{"text":"Yes.","start":799.20996,"end":799.70996,"sentiment":"neutral","sentiment_score":0.06751883029937744},{"text":"I do.","start":800.00995,"end":800.82996,"sentiment":"neutral","sentiment_score":0.04425795190036297},{"text":"So so we've got I'll just add them up.","start":803.13,"end":805.44995,"sentiment":"neutral","sentiment_score":0.11254110518429014}],"sentiment":"neutral","sentiment_score":0.1547532036072678,"num_words":27,"start":785.35504,"end":805.44995},{"sentences":[{"text":"We've got $1.67 in the super from $1.50, and then we've got $2.37 in the pension.","start":805.44995,"end":813.315,"sentiment":"neutral","sentiment_score":0.10835088510066271},{"text":"So $4.00 5 is what you've got currently plus the shares.","start":813.315,"end":816.295,"sentiment":"neutral","sentiment_score":0.0800308883190155},{"text":"Now you pretty much need between 3 to 600,000 for that retirement goal.","start":821.49,"end":827.27,"sentiment":"neutral","sentiment_score":0.0818880065702475},{"text":"So 300,000 would be the the lower end where it would last about twenty to twenty five years, whereas 600,000 is it wouldn't deplete at all.","start":827.57,"end":838.605,"sentiment":"neutral","sentiment_score":0.1387337499226515},{"text":"So we're in those last few periods of getting a little bit of contributions and growth out of it, maybe end up with $4.50, 500, whatever it is, but you're pretty much smack bang on track for the goal.","start":840.26495,"end":851.57,"sentiment":"positive","sentiment_score":0.4873779675899408}],"sentiment":"neutral","sentiment_score":0.25041253573837735,"num_words":105,"start":805.44995,"end":851.57},{"sentences":[{"text":"And then with the house there plus the shares, you've pretty much got the trifecta.","start":851.63,"end":856.29004,"sentiment":"neutral","sentiment_score":0.3075188805659612},{"text":"Oh, I can imagine.","start":863.165,"end":864.14496,"sentiment":"neutral","sentiment_score":0.11344335228204727},{"text":"The rents have gone up pretty crazy.","start":864.52496,"end":866.46497,"sentiment":"neutral","sentiment_score":-0.016647240413086756},{"text":"Yep.","start":878.54,"end":879.04,"sentiment":"neutral","sentiment_score":0.19466015696525577},{"text":"Anything else planned in the next few years that I should account for?","start":882.77997,"end":885.855,"sentiment":"neutral","sentiment_score":0.07067589461803436}],"sentiment":"neutral","sentiment_score":0.15158681804314256,"num_words":40,"start":851.63,"end":885.855},{"sentences":[{"text":"Beautiful.","start":894.33496,"end":894.83496,"sentiment":"neutral","sentiment_score":0.11206582188606262},{"text":"Now one thing I wanted to broach with you, Brian, is for the investments inside the super, there's still a decent amount of growth assets in terms of shares inside the portfolio.","start":895.375,"end":906.03,"sentiment":"neutral","sentiment_score":0.08810262219049037},{"text":"I can look at our more up to date conservative portfolios and see if maybe I can make it even safer and maybe try and get a slightly better return out of it if you want me to go see what I can come up with.","start":907.21,"end":918.675,"sentiment":"neutral","sentiment_score":0.13019938556396443},{"text":"It's doing pretty well at the moment, but I can make it that one peg safer, maybe get a slightly better return.","start":918.73505,"end":924.275,"sentiment":"neutral","sentiment_score":0.2228219708935781},{"text":"Yep.","start":929.55,"end":930.02997,"sentiment":"neutral","sentiment_score":0.22899875044822693}],"sentiment":"neutral","sentiment_score":0.1377608193924614,"num_words":102,"start":894.33496,"end":930.02997},{"sentences":[{"text":"And if it's gonna be yeah.","start":930.02997,"end":936.12994,"sentiment":"neutral","sentiment_score":0.10145799318949382},{"text":"Yep.","start":936.18994,"end":936.68994,"sentiment":"neutral","sentiment_score":0.05104614421725273},{"text":"So the the only risk you gotta consider, so we'll keep focusing on growth.","start":936.82996,"end":940.995,"sentiment":"neutral","sentiment_score":-0.007249193798218455},{"text":"If I find something that's safer, but it's not a better return, like, I don't get the best both worlds, I'm not gonna change anything.","start":940.995,"end":947.075,"sentiment":"neutral","sentiment_score":-0.07457340329885483},{"text":"We'll just keep it as is.","start":947.075,"end":948.53503,"sentiment":"neutral","sentiment_score":0.06172810991605123}],"sentiment":"neutral","sentiment_score":-0.017993481399921272,"num_words":52,"start":930.02997,"end":948.53503},{"sentences":[{"text":"But just bear in mind that worst case scenario, if we go through a global financial crisis, you probably do stand to see that drop maybe 20% in the worst case, you know, full market meltdown.","start":948.835,"end":961.68,"sentiment":"neutral","sentiment_score":-0.21687036618176433},{"text":"And even so, you would still be able to keep retiring with that level of volatility anyway, but it may be a thing where it's like, if you want to at the time, maybe you delay retirement by a year just to let it bounce back a little bit before you start drawing that much down.","start":962.22,"end":978.275,"sentiment":"neutral","sentiment_score":-0.1433537543219115},{"text":"Or you draw that much down and you just understand that there's a bit of a sequencing risk where market's going down and you're pulling funds out, so it slows it down a bit more.","start":978.41504,"end":988.52997,"sentiment":"neutral","sentiment_score":-0.23827528825828007},{"text":"Yeah.","start":993.70996,"end":994.02997,"sentiment":"neutral","sentiment_score":0.17341209948062897},{"text":"Pretty much.","start":994.02997,"end":994.58997,"sentiment":"neutral","sentiment_score":0.1706409528851509}],"sentiment":"neutral","sentiment_score":-0.18200065006430333,"num_words":130,"start":948.835,"end":994.58997},{"sentences":[{"text":"So we work with you on adjusting that regularly.","start":994.58997,"end":996.93,"sentiment":"neutral","sentiment_score":0.12334817316797045},{"text":"Yep.","start":1001.185,"end":1001.685,"sentiment":"neutral","sentiment_score":0.18050692975521088},{"text":"Perfect.","start":1004.705,"end":1005.205,"sentiment":"positive","sentiment_score":0.5542457103729248},{"text":"Now when we do hit that 65, obviously, we're gonna look at that full transition to pension phase, maybe wind down the shares, and we'll probably meet possibly even every three to six months just to check-in on how it's going and and what you need income wise.","start":1005.345,"end":1021.32,"sentiment":"neutral","sentiment_score":0.181989301306506},{"text":"But once you get to that point, it's full access.","start":1021.86,"end":1023.94,"sentiment":"neutral","sentiment_score":0.176094351708889}],"sentiment":"neutral","sentiment_score":0.1788596547600152,"num_words":69,"start":994.58997,"end":1023.94},{"sentences":[{"text":"So if you go, hey, Matt.","start":1023.94,"end":1024.9,"sentiment":"neutral","sentiment_score":0.13951138282815614},{"text":"I need $10 for a car or something.","start":1024.9,"end":1026.76,"sentiment":"neutral","sentiment_score":0.10941171925514936},{"text":"You can pull that out as long as we don't go overboard with it.","start":1027.005,"end":1030.145,"sentiment":"neutral","sentiment_score":0.15054141357541084},{"text":"In between now and then, do you want me to just kind of pencil in for that twelve monthly review?","start":1032.125,"end":1039.325,"sentiment":"neutral","sentiment_score":0.11950561963021755},{"text":"Do you want me to touch base with you more frequently?","start":1039.325,"end":1041.505,"sentiment":"neutral","sentiment_score":0.06738431785594333}],"sentiment":"neutral","sentiment_score":0.1178183344082307,"num_words":59,"start":1023.94,"end":1041.505},{"sentences":[{"text":"What would you be your preference?","start":1041.5651,"end":1042.945,"sentiment":"neutral","sentiment_score":0.0458077114696304},{"text":"Yep.","start":1055.555,"end":1056.055,"sentiment":"neutral","sentiment_score":-0.057984139770269394},{"text":"Yep.","start":1060.4349,"end":1060.9349,"sentiment":"neutral","sentiment_score":0.11319753527641296},{"text":"Hopefully.","start":1064.115,"end":1064.615,"sentiment":"neutral","sentiment_score":0.09910736978054048},{"text":"It evens out in the end.","start":1067.81,"end":1069.27,"sentiment":"positive","sentiment_score":0.5372863511244456}],"sentiment":"neutral","sentiment_score":0.24352567605674266,"num_words":15,"start":1041.5651,"end":1069.27},{"sentences":[{"text":"Yeah.","start":1071.65,"end":1072.15,"sentiment":"positive","sentiment_score":0.3996921181678772},{"text":"Cool.","start":1074.53,"end":1074.85,"sentiment":"positive","sentiment_score":0.5772113800048828},{"text":"So, look, if anything does change, just give us a buzz, and we can adjust things.","start":1074.85,"end":1078.37,"sentiment":"neutral","sentiment_score":0.2754240073263645},{"text":"But I'll just make sure that we touch base at least every twelve months until we get to that pension pay.","start":1078.37,"end":1083.425,"sentiment":"neutral","sentiment_score":0.14868747301044918},{"text":"Yep.","start":1084.115,"end":1084.365,"sentiment":"neutral","sentiment_score":0.13794538378715515}],"sentiment":"neutral","sentiment_score":0.2161017483100295,"num_words":40,"start":1071.65,"end":1084.365},{"sentences":[{"text":"Okay.","start":1084.365,"end":1084.865,"sentiment":"neutral","sentiment_score":0.11851797997951508},{"text":"Yeah.","start":1092.365,"end":1092.865,"sentiment":"neutral","sentiment_score":0.09641151130199432},{"text":"Yeah.","start":1102.2999,"end":1102.7799,"sentiment":"neutral","sentiment_score":0.1069343090057373},{"text":"So inside that purple button to do the signing, it'll bring up all the documents for you to review.","start":1102.7799,"end":1110.3999,"sentiment":"neutral","sentiment_score":0.14038432977701487},{"text":"And what you've basically got in there is all of your assets in the super.","start":1112.045,"end":1116.305,"sentiment":"neutral","sentiment_score":0.11836909602085749}],"sentiment":"neutral","sentiment_score":0.1287757434152268,"num_words":37,"start":1084.365,"end":1116.305},{"sentences":[{"text":"That's four pages.","start":1117.485,"end":1118.625,"sentiment":"neutral","sentiment_score":0.07876452555259068},{"text":"Then all of your assets in your pension.","start":1119.005,"end":1121.105,"sentiment":"neutral","sentiment_score":0.08227668236941099},{"text":"We've got an updated services guide with us, a couple of service agreements there because you're on the the discounted fee, the 1.1%, so the 1.65, and that's for the two accounts averaged off.","start":1121.485,"end":1135.02,"sentiment":"neutral","sentiment_score":0.16830230657668674},{"text":"I will let you know as well, serving the guys that are bringing in a bit of a tiered fee structure next year.","start":1135.56,"end":1142.255,"sentiment":"neutral","sentiment_score":0.2416808359000994},{"text":"So everyone above 200,000 will start to get some discounts in about twelve months' time.","start":1142.255,"end":1147.075,"sentiment":"neutral","sentiment_score":0.25411562820275624}],"sentiment":"neutral","sentiment_score":0.19261661575860287,"num_words":83,"start":1117.485,"end":1147.075},{"sentences":[{"text":"So I'll make sure I flag that once all the paperwork's all drawn up, and we've got annual agreements in place for that next review as well.","start":1148.655,"end":1156.1399,"sentiment":"neutral","sentiment_score":0.2760439835212849},{"text":"Two other pieces of documents that are kind of new is there's a bit of a tax file number opt in there because there was a lot of cybersecurity issues in Australia last year.","start":1158.44,"end":1168.2151,"sentiment":"neutral","sentiment_score":0.03482529937344439},{"text":"We just wanna make sure that we can get your consent to hold your tax file number on one document rather than five digital systems.","start":1168.275,"end":1174.775,"sentiment":"neutral","sentiment_score":0.11738840267062187},{"text":"So we just wanna make sure you're comfortable because we obviously we use that for the super and the pension.","start":1174.995,"end":1179.7351,"sentiment":"neutral","sentiment_score":0.2731162756681442},{"text":"Yep.","start":1183.01,"end":1183.51,"sentiment":"neutral","sentiment_score":0.1261455863714218}],"sentiment":"neutral","sentiment_score":0.16037784018945472,"num_words":107,"start":1148.655,"end":1183.51},{"sentences":[{"text":"And the only other thing was there's a bit of a lost super search, which isn't really that important, but we do always ping the government system just to see if there's anything else that's been floating around that we don't know about as a one off check.","start":1183.89,"end":1195.51,"sentiment":"neutral","sentiment_score":0.02282022894360125},{"text":"So we've got access to to ping SuperStream.","start":1196.505,"end":1199.005,"sentiment":"neutral","sentiment_score":0.08504908345639706},{"text":"So we just do that as a bit of background check just in case.","start":1199.385,"end":1202.365,"sentiment":"neutral","sentiment_score":0.05561064396585737},{"text":"Yeah.","start":1209.9601,"end":1210.2001,"sentiment":"neutral","sentiment_score":0.026602139696478844},{"text":"All the contributions are going into Netwealth that I can see.","start":1210.2001,"end":1212.92,"sentiment":"neutral","sentiment_score":0.05762524564157833}],"sentiment":"neutral","sentiment_score":0.039204786758779024,"num_words":82,"start":1183.89,"end":1212.92},{"sentences":[{"text":"And if there was anything floating out there after eighteen months, they close it down anyway, and the government tends to move it across to your active account.","start":1212.92,"end":1221.18,"sentiment":"neutral","sentiment_score":-0.02610227299321975},{"text":"Yeah.","start":1228.5149,"end":1229.0149,"sentiment":"neutral","sentiment_score":-0.006138700991868973},{"text":"Yeah.","start":1229.315,"end":1229.815,"sentiment":"neutral","sentiment_score":0.003269832581281662},{"text":"Alright.","start":1231.075,"end":1231.475,"sentiment":"neutral","sentiment_score":0.05039876699447632},{"text":"So I'll do a bit of a check on the portfolio side of things.","start":1231.475,"end":1234.7749,"sentiment":"neutral","sentiment_score":0.06131543032824993}],"sentiment":"neutral","sentiment_score":0.0038907173193163344,"num_words":45,"start":1212.92,"end":1234.7749},{"sentences":[{"text":"I'm not gonna rebalance anything between your two accounts at this point.","start":1235.45,"end":1238.8099,"sentiment":"neutral","sentiment_score":-0.04610250098630786},{"text":"I'm just gonna keep letting it grow until we need to adjust your income.","start":1238.8099,"end":1243.13,"sentiment":"neutral","sentiment_score":0.053886103842939646},{"text":"Because if I piled all of your super into that pension account, that minimum is gonna push up how much you have to pull out of it.","start":1243.13,"end":1250.055,"sentiment":"neutral","sentiment_score":0.04761174955853709},{"text":"That's alright, mate.","start":1260.135,"end":1260.935,"sentiment":"neutral","sentiment_score":0.2421505202849706},{"text":"Take your time.","start":1260.935,"end":1261.495,"sentiment":"neutral","sentiment_score":0.13407742728789648}],"sentiment":"neutral","sentiment_score":0.04432841564007735,"num_words":59,"start":1235.45,"end":1261.495},{"sentences":[{"text":"The buttons will bring you to the spots.","start":1261.495,"end":1263.275,"sentiment":"neutral","sentiment_score":0.03013671888038516},{"text":"Those purple buttons will take just pop it there.","start":1263.8099,"end":1266.39,"sentiment":"neutral","sentiment_score":0.0057051220080918735},{"text":"Oh, yeah.","start":1271.1699,"end":1271.99,"sentiment":"neutral","sentiment_score":0.01098161842674017},{"text":"Chore it with a mouth.","start":1272.5299,"end":1273.73,"sentiment":"neutral","sentiment_score":-0.0032492818310856817},{"text":"Not always easy.","start":1273.73,"end":1274.87,"sentiment":"neutral","sentiment_score":-0.21278116106987}],"sentiment":"neutral","sentiment_score":-0.012599511347987034,"num_words":27,"start":1261.495,"end":1274.87},{"sentences":[{"text":"Yep.","start":1276.145,"end":1276.645,"sentiment":"neutral","sentiment_score":-0.02493922971189022},{"text":"It all comes full circle.","start":1277.985,"end":1279.365,"sentiment":"neutral","sentiment_score":-0.13911379501223564},{"text":"And when you get to the bottom, there should be because it let's you skip through all the documents.","start":1326.685,"end":1331.8251,"sentiment":"neutral","sentiment_score":0.01933973660006335},{"text":"There's, like, a next document, next document button.","start":1332.2051,"end":1334.785,"sentiment":"neutral","sentiment_score":0.007891506073065102},{"text":"And then at the back, it'll say validate, and it'll do a little loading circle and ask you to save a a signed copy for yourself.","start":1336.7999,"end":1343.62,"sentiment":"neutral","sentiment_score":0.07877991004632069}],"sentiment":"neutral","sentiment_score":0.02980265254944058,"num_words":59,"start":1276.145,"end":1343.62},{"sentences":[{"text":"Yeah.","start":1361.63,"end":1361.87,"sentiment":"neutral","sentiment_score":0.061338238418102264},{"text":"There's one for the super, one for the pension.","start":1361.87,"end":1363.97,"sentiment":"neutral","sentiment_score":0.05183505473865403},{"text":"And then after that, there'll be the tax file number and the lost super search.","start":1364.19,"end":1368.11,"sentiment":"neutral","sentiment_score":0.046738870069384576},{"text":"So it'll be four, and then it's pretty much skip everything else.","start":1368.11,"end":1371.49,"sentiment":"neutral","sentiment_score":0.02963944353784124},{"text":"Yeah.","start":1406.555,"end":1407.055,"sentiment":"neutral","sentiment_score":0.022250264883041385}],"sentiment":"neutral","sentiment_score":0.042285799195891934,"num_words":38,"start":1361.63,"end":1407.055},{"sentences":[{"text":"And then after that last one, it may do the spinning loading symbol for a little while depending on Internet connection.","start":1414.3301,"end":1420.91,"sentiment":"neutral","sentiment_score":0.021568910130077883},{"text":"Beautiful.","start":1423.135,"end":1423.635,"sentiment":"positive","sentiment_score":0.43537378311157227},{"text":"So I'll just wait a moment for that to pop through.","start":1424.095,"end":1426.515,"sentiment":"neutral","sentiment_score":0.21693660047921268},{"text":"Just while that's loading, Brian, is there anything else I can do for you besides the Netwealth login?","start":1441.7101,"end":1446.77,"sentiment":"neutral","sentiment_score":0.11979181940356891},{"text":"So far, so good.","start":1455.7849,"end":1456.9249,"sentiment":"positive","sentiment_score":0.3955616280436516}],"sentiment":"neutral","sentiment_score":0.12751132295551626,"num_words":55,"start":1414.3301,"end":1456.9249},{"sentences":[{"text":"Yeah.","start":1460.52,"end":1460.84,"sentiment":"neutral","sentiment_score":0.05474149435758591},{"text":"And that's what we want is we want it to be growing enough to supplement what's coming out, and that's ideal.","start":1460.84,"end":1467.6599,"sentiment":"neutral","sentiment_score":0.09109958048377718},{"text":"Yep.","start":1471.335,"end":1471.835,"sentiment":"neutral","sentiment_score":-0.04305889457464218},{"text":"High growth, high risk.","start":1475.495,"end":1476.695,"sentiment":"neutral","sentiment_score":-0.16242728382349014},{"text":"Yep.","start":1476.695,"end":1477.195,"sentiment":"neutral","sentiment_score":-0.016805117949843407}],"sentiment":"neutral","sentiment_score":0.04493784059637359,"num_words":28,"start":1460.52,"end":1477.195},{"sentences":[{"text":"Yeah.","start":1479.1749,"end":1479.6749,"sentiment":"neutral","sentiment_score":0.0089595140889287},{"text":"Alright.","start":1482.695,"end":1483.015,"sentiment":"neutral","sentiment_score":0.0276501327753067},{"text":"That's come through.","start":1483.015,"end":1484.075,"sentiment":"neutral","sentiment_score":0.032836478824416794},{"text":"Yeah.","start":1489.58,"end":1490.0599,"sentiment":"neutral","sentiment_score":0.10013742744922638},{"text":"And we gotta be careful not to lose it all.","start":1490.0599,"end":1492.14,"sentiment":"neutral","sentiment_score":-0.024103327468037606}],"sentiment":"neutral","sentiment_score":-0.0003610477433539927,"num_words":16,"start":1479.1749,"end":1492.14},{"sentences":[{"text":"But, hey, that signature's come through.","start":1492.14,"end":1493.74,"sentiment":"positive","sentiment_score":0.3509836569428444},{"text":"It's looking pretty good, mate.","start":1493.74,"end":1494.94,"sentiment":"positive","sentiment_score":0.6954567432403564},{"text":"So it's not not as drunk as you said.","start":1494.94,"end":1497.135,"sentiment":"neutral","sentiment_score":0.10154277914100224},{"text":"Alright, Brian.","start":1500.895,"end":1501.715,"sentiment":"neutral","sentiment_score":0.15304658561944962},{"text":"I'm gonna get the admin team onto that login fix for you straight away, work on that this week for you.","start":1502.015,"end":1508.035,"sentiment":"neutral","sentiment_score":0.27468132688885644}],"sentiment":"neutral","sentiment_score":0.2923598071170408,"num_words":43,"start":1492.14,"end":1508.035},{"sentences":[{"text":"If I come up with something for the portfolio, I'm gonna get them to call in to book in to go through the updated document to show you what I've come up with.","start":1508.495,"end":1516.97,"sentiment":"neutral","sentiment_score":0.2185622431112058},{"text":"If not, they'll just kind of let you know that I wasn't able to find anything, but I might just have a quick chat with you just to make sure you're you're happy with where it's at.","start":1518.15,"end":1526.185,"sentiment":"neutral","sentiment_score":0.0492011784903101},{"text":"Alright.","start":1529.125,"end":1529.625,"sentiment":"neutral","sentiment_score":0.19260811805725095},{"text":"Anything else you need, just let us know.","start":1530.245,"end":1532.265,"sentiment":"neutral","sentiment_score":0.11880435608327389},{"text":"Yeah.","start":1542.5,"end":1543.0,"sentiment":"neutral","sentiment_score":0.1042005866765976}],"sentiment":"neutral","sentiment_score":0.1285030147526413,"num_words":80,"start":1508.495,"end":1543.0},{"sentences":[{"text":"And so far, I don't think there's any need to, again, change super platforms at this point.","start":1543.3,"end":1548.42,"sentiment":"neutral","sentiment_score":0.045106634935911966},{"text":"Like, we do use quite a few.","start":1548.42,"end":1550.04,"sentiment":"neutral","sentiment_score":0.09259802209479469},{"text":"But I think there's one that I found that's, like, a tiny bit cheaper, but there's a bit of capital gains tax to move it across.","start":1550.18,"end":1556.1749,"sentiment":"neutral","sentiment_score":0.09036129211577085},{"text":"Once you're in pension phase, that goes away as a problem anyway.","start":1556.635,"end":1559.855,"sentiment":"neutral","sentiment_score":0.04427949773768584},{"text":"So I don't there's nothing out there that I think would be a huge improvement on where you are.","start":1560.075,"end":1564.38,"sentiment":"neutral","sentiment_score":-0.10994586074038555}],"sentiment":"neutral","sentiment_score":0.02724413780702485,"num_words":81,"start":1543.3,"end":1564.38},{"sentences":[{"text":"Alright, Brian.","start":1566.78,"end":1567.34,"sentiment":"positive","sentiment_score":0.3527011126279831},{"text":"Thanks so much for taking the time today, and I'll hopefully talk to you in a couple of weeks' time.","start":1567.34,"end":1572.24,"sentiment":"positive","sentiment_score":0.43797215446829796},{"text":"Awesome.","start":1574.06,"end":1574.54,"sentiment":"positive","sentiment_score":0.8186759948730469},{"text":"Have a great day, mate.","start":1574.54,"end":1575.26,"sentiment":"positive","sentiment_score":0.6957415223121644},{"text":"Thank you so much.","start":1575.26,"end":1576.24,"sentiment":"positive","sentiment_score":0.6633457541465759}],"sentiment":"positive","sentiment_score":0.5129878730513155,"num_words":32,"start":1566.78,"end":1576.24},{"sentences":[{"text":"Bye.","start":1577.18,"end":1577.68,"sentiment":"neutral","sentiment_score":-0.11628736555576324}],"sentiment":"neutral","sentiment_score":-0.11628736555576324,"num_words":1,"start":1577.18,"end":1577.68}]}}]},{"alternatives":[{"transcript":"This is Brian Smith. I'm good. Thank you. How are you going? Good, Jacob. It's a lovely sunny day about 20 degrees. Not a cloud in the sky. Beautiful. Yep. Yep. No. I can log in. I've got a question for yeah. I've got a question for you. I got I got a a message on my phone saying a new device was signed in to my account, and my details have been changed this this morning. Yeah. Okay. Yep. Yep. Yep. Date of birth is ninth of the second nineteen sixty three. And so we'll go on the address. 35 Oldbrow Road, Hornsby 2877. Yep. Right. I thought you already had it there for one, not just the other one. Yep. That was the old one. Yes. Okay. Cool. Alright. Now I can't log in to my account. It comes up with I gotta log in, then it comes up with the next screen saying, we'll send you a a pass you know, a coded number, but I don't get the coded number. Yeah. Yeah. Definitely the number doesn't come through to my phone. So I'm sort of logged I'm sort of stuck at being out of my account. Perfect. Excellent. Alright. I'm just getting my emails up. Yep. Mhmm. Yes. Yep. Not a lot. I just sell a fair few. So they're still on the side at the moment of shares, I guess. And, you know, they're they're not doing much. I'm thinking that would come in a bit later. $20.65 is only a couple of years. So, yeah, I think maybe a couple more years for them to come to fruition. So I think it is the cream on the top. Well, we were all those. I I sold all those. Just trying to oh, no. No. I I sold a fair bit when I bought into this house now where I'm living. So we got out of renting because I was renting before at Jewel Street. So now I'm bored into this house, so I sold a fair bit. So I've only got the left. And I had to sell some of those anyway as well. So it's probably, I don't know, a couple 100,000 or something maybe. Not sure what the RPOs are worth these days. If you got a minute, I can have a look. Alright. Well, I got a third of that. So I didn't have a loan. Yep. That's why I had my shares full house. My whole thing of my shares. So I thought, well, that's look at the opportunity. Yep. Yep. No. No. Just doing installment. Delivery driver, so Storm and sort of thing. Yep. Yeah. I think it's just working out fine. So I'm only doing I only work three days a week now. Yeah. So I'm only doing three days a week. I get about $30 an hour. So I'm taking a fair cut in in that so that with the extra couple 100 I'm getting with that pension thing, that's that's working out pretty good. Not not at the moment. Not at the moment, but yeah. I was just sitting down the track. When I when I first started all this with you guys, we're looking at when I have when I retire getting a a an income of something like that. I think it was $50 a year or something. Is that what's still down there, is it? Did you still got that in your in your paper or something on your records? Or yep. Yep. Yep. Yep. Yep. So that's probably what yeah. That's probably will be fine. That's probably that's about what I'm getting, you know, with this net at the moment. It could be that. Yeah. Probably between the 2. Well, with my work, I don't get there's hardly any tax. I'm I'm almost I'm on the threshold. You know what I mean? I get sometimes sometimes a couple of bucks, sometimes it's $40, depends if I do it in a couple extra hours. Yep. Yes. No. I believe that is. Yes. Sorry. Yes. That's gonna be correct. Yep. No. I skipped that one. I don't think No. I haven't yet. No. I kept thinking about it, but I don't know. Yep. Yeah. And we'll see who to do it for you. Whatever. Yep. Yep. No. That's good. Yep. Yep. So yeah. Okay. Yep. That'd be good because I so so yeah. So my my shares are nearly well, $140 at the moment. So you can you can put that down whenever you wanna. Hang on a sec. Excuse me, ma'am. Alright. I'm back. You there? Yep. Sorry. I just had to do the push the button thing to get into my emails. So okay. Yep. Okay. Uh-huh. Alright. Yep. Yep. Okay. I've I've got a fair capital loss running at the moment with other shares I've sold over the years. So yep. Alright. Okay. Right. Uh-huh. Right. So when yeah. Okay. So when I'm thinking of selling, I should hook up with you guys and talk through it. Yep. Yep. Yep. Too easy. Yep. Yep. Yep. Yeah. Mhmm. Yep. Yep. I think so. I think so. It's still going up every. Was was it have you got what it is between the two accounts I've got going? You know, what what's my overall amount I have now? Oh, yeah. Yep. Mhmm. Yep. Yep. Yep. That's what I was thinking now. Now now that I've got the house, it cuts a a hell of a lot of bills down. So so it just makes yep. So, yeah, it's just, like, all the overheads are gone now. So living lives a lot cheaper. Well, you're not counting on overseas holidays. That's fine. No. Not really. Just taking it. U by u. Whatever. See what comes in there. Nothing planned. What if we can get a better return? I'm I'm I'm I'm up for it. I still want it to keep on growing. Like I said, if it keeps on growing, then that's that's that's the main thing. Yep. Yep. Right. Right. Mhmm. Yep. Yep. Yep. Yep. So you just tighten my belt as far as how much I wanna pull out. If if it's yep. If if that's, you know, come to fruition. Yep. Yeah. I understand all that. Yep. Yep. Okay. Yep. Sweet. That's that's good. Yep. 12 monthly is fine. I'm just thinking we're I don't think I need six monthly for any reason. Not much has changed, and I'm still so I work for my nephew, so I'm sort of locked in there. But I'm not gonna I shouldn't be losing my job in a hurry. I upset him, but he he upsets me, so it works both ways. This is what family's all for, so it's a little bit flexible in that in that way. So I think every call must is fine. Yeah. Yep. Unless something drastic happens in the market, and you wanna when things go wrong. But so, yep. I've got got my emails up, and there's this thing in here from out of you from you. Is it Tommy? Yep. Mhmm. Mhmm. Yep. K. Mhmm. Yep. I guess so. Yep. Yep. Yep. We've got a lot of oxy bees and super whatever my oh, no. My company should be giving it straight to you guys. So yep. Shouldn't be. Yep. Yep. No. I did a consolidation years ago when I had a few different things happen. So hang on one second. I'm just trying to sign this document. So I gotta concentrate with this. Oh, I'm down there. I was just trying to use the the the signage thing with the the cursor. You know what I mean? Trying to draw it like a little kid. Oh, it's terrible. Oh, they are the head drunk. Oh, no one. Oops. I really canceled that one. Sounds that's terrible. I'm after that. Sorry. Okay. Let me do that. 20 two seven. Yep. That's what I was hitting. Last document. You're going to click to stop for some reason. It does assign two documents. Okay. Alright. What are you talking about? Alright. Text phone number. Authorization for lost signature. I'll note and send. Yep. That's what it's doing. Yep. Yep. No. I think that's all pretty good. I think everything's supposed to be going okay. The the account that I'm pulling money out of doesn't seem to be losing any. So that's it. So I'm not losing any. And and the other said they're both increasing, which is good. Not as much as I was. I I've always been a a an aggressive high grade, high risk. Yep. But as I've been advised, you know, at the moment, it's a bit better off. Alrighty. Hold on. Cool. Yep. Mhmm. Well, yep. Okay. That's sweet. Well, I'm it's yeah. Yep. I'm happy with whatever you guys, I think is the best place to put put the, you know, to invest in. Yep. Mhmm. Yep. No. Sweet. No. Thank you very much. Alright. Alright. 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is Brian Smith. I'm good. Thank you. How are you going? Good, Jacob.\n\nIt's a lovely sunny day about 20 degrees. Not a cloud in the sky. Beautiful. Yep. Yep.\n\nNo. I can log in. I've got a question for yeah. I've got a question for you. I got I got a a message on my phone saying a new device was signed in to my account, and my details have been changed this this morning.\n\nYeah. Okay. Yep. Yep. Yep.\n\nDate of birth is ninth of the second nineteen sixty three. And so we'll go on the address. 35 Oldbrow Road, Hornsby 2877. Yep. Right.\n\nI thought you already had it there for one, not just the other one. Yep. That was the old one. Yes. Okay.\n\nCool. Alright. Now I can't log in to my account. It comes up with I gotta log in, then it comes up with the next screen saying, we'll send you a a pass you know, a coded number, but I don't get the coded number. Yeah.\n\nYeah. Definitely the number doesn't come through to my phone. So I'm sort of logged I'm sort of stuck at being out of my account. Perfect. Excellent.\n\nAlright. I'm just getting my emails up. Yep. Mhmm. Yes.\n\nYep. Not a lot. I just sell a fair few. So they're still on the side at the moment of shares, I guess. And, you know, they're they're not doing much.\n\nI'm thinking that would come in a bit later. $20.65 is only a couple of years. So, yeah, I think maybe a couple more years for them to come to fruition. So I think it is the cream on the top. Well, we were all those.\n\nI I sold all those. Just trying to oh, no. No. I I sold a fair bit when I bought into this house now where I'm living. So we got out of renting because I was renting before at Jewel Street.\n\nSo now I'm bored into this house, so I sold a fair bit. So I've only got the left. And I had to sell some of those anyway as well. So it's probably, I don't know, a couple 100,000 or something maybe. Not sure what the RPOs are worth these days.\n\nIf you got a minute, I can have a look. Alright. Well, I got a third of that. So I didn't have a loan. Yep.\n\nThat's why I had my shares full house. My whole thing of my shares. So I thought, well, that's look at the opportunity. Yep. Yep.\n\nNo. No. Just doing installment. Delivery driver, so Storm and sort of thing. Yep.\n\nYeah. I think it's just working out fine. So I'm only doing I only work three days a week now. Yeah. So I'm only doing three days a week.\n\nI get about $30 an hour. So I'm taking a fair cut in in that so that with the extra couple 100 I'm getting with that pension thing, that's that's working out pretty good. Not not at the moment. Not at the moment, but yeah. I was just sitting down the track.\n\nWhen I when I first started all this with you guys, we're looking at when I have when I retire getting a a an income of something like that. I think it was $50 a year or something. Is that what's still down there, is it? Did you still got that in your in your paper or something on your records? Or yep.\n\nYep. Yep. Yep. Yep. So that's probably what yeah.\n\nThat's probably will be fine. That's probably that's about what I'm getting, you know, with this net at the moment. It could be that. Yeah. Probably between the 2.\n\nWell, with my work, I don't get there's hardly any tax. I'm I'm almost I'm on the threshold. You know what I mean? I get sometimes sometimes a couple of bucks, sometimes it's $40, depends if I do it in a couple extra hours. Yep.\n\nYes. No. I believe that is. Yes. Sorry.\n\nYes. That's gonna be correct. Yep. No. I skipped that one.\n\nI don't think No. I haven't yet. No. I kept thinking about it, but I don't know. Yep.\n\nYeah. And we'll see who to do it for you. Whatever. Yep. Yep.\n\nNo. That's good. Yep. Yep. So yeah.\n\nOkay. Yep. That'd be good because I so so yeah. So my my shares are nearly well, $140 at the moment. So you can you can put that down whenever you wanna.\n\nHang on a sec. Excuse me, ma'am. Alright. I'm back. You there?\n\nYep. Sorry. I just had to do the push the button thing to get into my emails. So okay. Yep.\n\nOkay. Uh-huh. Alright. Yep. Yep.\n\nOkay. I've I've got a fair capital loss running at the moment with other shares I've sold over the years. So yep. Alright. Okay.\n\nRight. Uh-huh. Right. So when yeah. Okay.\n\nSo when I'm thinking of selling, I should hook up with you guys and talk through it. Yep. Yep. Yep. Too easy.\n\nYep. Yep. Yep. Yeah. Mhmm.\n\nYep. Yep. I think so. I think so. It's still going up every.\n\nWas was it have you got what it is between the two accounts I've got going? You know, what what's my overall amount I have now? Oh, yeah. Yep. Mhmm.\n\nYep. Yep. Yep. That's what I was thinking now. Now now that I've got the house, it cuts a a hell of a lot of bills down.\n\nSo so it just makes yep. So, yeah, it's just, like, all the overheads are gone now. So living lives a lot cheaper. Well, you're not counting on overseas holidays. That's fine.\n\nNo. Not really. Just taking it. U by u. Whatever.\n\nSee what comes in there. Nothing planned. What if we can get a better return? I'm I'm I'm I'm up for it. I still want it to keep on growing.\n\nLike I said, if it keeps on growing, then that's that's that's the main thing. Yep. Yep. Right. Right.\n\nMhmm. Yep. Yep. Yep. Yep.\n\nSo you just tighten my belt as far as how much I wanna pull out. If if it's yep. If if that's, you know, come to fruition. Yep. Yeah.\n\nI understand all that. Yep. Yep. Okay. Yep.\n\nSweet. That's that's good. Yep. 12 monthly is fine. I'm just thinking we're I don't think I need six monthly for any reason.\n\nNot much has changed, and I'm still so I work for my nephew, so I'm sort of locked in there. But I'm not gonna I shouldn't be losing my job in a hurry. I upset him, but he he upsets me, so it works both ways. This is what family's all for, so it's a little bit flexible in that in that way. So I think every call must is fine.\n\nYeah. Yep. Unless something drastic happens in the market, and you wanna when things go wrong. But so, yep. I've got got my emails up, and there's this thing in here from out of you from you.\n\nIs it Tommy? Yep. Mhmm. Mhmm. Yep.\n\nK. Mhmm. Yep. I guess so. Yep.\n\nYep. Yep. We've got a lot of oxy bees and super whatever my oh, no. My company should be giving it straight to you guys. So yep.\n\nShouldn't be. Yep. Yep. No. I did a consolidation years ago when I had a few different things happen.\n\nSo hang on one second. I'm just trying to sign this document. So I gotta concentrate with this. Oh, I'm down there. I was just trying to use the the the signage thing with the the cursor.\n\nYou know what I mean? Trying to draw it like a little kid. Oh, it's terrible. Oh, they are the head drunk. Oh, no one.\n\nOops. I really canceled that one. Sounds that's terrible. I'm after that. Sorry.\n\nOkay. Let me do that. 20 two seven. Yep. That's what I was hitting.\n\nLast document. You're going to click to stop for some reason. It does assign two documents. Okay. Alright.\n\nWhat are you talking about? Alright. Text phone number. Authorization for lost signature. I'll note and send.\n\nYep. That's what it's doing. Yep. Yep. No.\n\nI think that's all pretty good. I think everything's supposed to be going okay. The the account that I'm pulling money out of doesn't seem to be losing any. So that's it. So I'm not losing any.\n\nAnd and the other said they're both increasing, which is good. Not as much as I was. I I've always been a a an aggressive high grade, high risk. Yep. But as I've been advised, you know, at the moment, it's a bit better off.\n\nAlrighty. Hold on. Cool. Yep. Mhmm.\n\nWell, yep. Okay. That's sweet. Well, I'm it's yeah. Yep.\n\nI'm happy with whatever you guys, I think is the best place to put put the, you know, to invest in. Yep. Mhmm. Yep. No.\n\nSweet. No. Thank you very much. Alright. Alright.\n\nGotcha.","paragraphs":[{"sentences":[{"text":"This is Brian Smith.","start":1.8399999,"end":3.06,"sentiment":"neutral","sentiment_score":0.035802063532173634},{"text":"I'm good.","start":7.52,"end":8.0,"sentiment":"positive","sentiment_score":0.5072673559188843},{"text":"Thank you.","start":8.0,"end":8.4,"sentiment":"positive","sentiment_score":0.631875067949295},{"text":"How are you going?","start":8.4,"end":9.139999,"sentiment":"positive","sentiment_score":0.3830772936344147},{"text":"Good, Jacob.","start":13.785,"end":14.6050005,"sentiment":"neutral","sentiment_score":0.3028019219636917}],"sentiment":"neutral","sentiment_score":0.32567186573786394,"num_words":14,"start":1.8399999,"end":14.6050005},{"sentences":[{"text":"It's a lovely sunny day about 20 degrees.","start":14.665,"end":17.405,"sentiment":"positive","sentiment_score":0.4673459976911545},{"text":"Not a cloud in the sky.","start":18.505001,"end":19.965,"sentiment":"neutral","sentiment_score":0.06682038803895314},{"text":"Beautiful.","start":20.185,"end":20.685,"sentiment":"positive","sentiment_score":0.5165995955467224},{"text":"Yep.","start":25.145,"end":25.645,"sentiment":"neutral","sentiment_score":0.19273118674755096},{"text":"Yep.","start":37.87,"end":38.11,"sentiment":"neutral","sentiment_score":0.0026852607261389494}],"sentiment":"neutral","sentiment_score":0.28539449134019806,"num_words":17,"start":14.665,"end":38.11},{"sentences":[{"text":"No.","start":38.11,"end":38.43,"sentiment":"neutral","sentiment_score":-0.04322144761681557},{"text":"I can log in.","start":38.43,"end":39.315,"sentiment":"neutral","sentiment_score":-0.02945783594623208},{"text":"I've got a question for yeah.","start":39.875,"end":42.215,"sentiment":"neutral","sentiment_score":-0.010819169382254282},{"text":"I've got a question for you.","start":42.515,"end":44.375,"sentiment":"neutral","sentiment_score":-0.0003698124783113599},{"text":"I got I got a a message on my phone saying a new device was signed in to my account, and my details have been changed this this morning.","start":45.235,"end":60.3,"sentiment":"neutral","sentiment_score":-0.0384997865827433}],"sentiment":"neutral","sentiment_score":-0.029232184640536812,"num_words":46,"start":38.11,"end":60.3},{"sentences":[{"text":"Yeah.","start":60.3,"end":60.8,"sentiment":"neutral","sentiment_score":0.01825344935059547},{"text":"Okay.","start":67.815,"end":68.315,"sentiment":"neutral","sentiment_score":0.05173526704311371},{"text":"Yep.","start":73.335,"end":73.494995,"sentiment":"neutral","sentiment_score":0.02779199928045273},{"text":"Yep.","start":73.494995,"end":73.994995,"sentiment":"neutral","sentiment_score":0.016957787796854973},{"text":"Yep.","start":78.055,"end":78.555,"sentiment":"neutral","sentiment_score":0.022755248472094536}],"sentiment":"neutral","sentiment_score":0.027498750388622283,"num_words":5,"start":60.3,"end":78.555},{"sentences":[{"text":"Date of birth is ninth of the second nineteen sixty three.","start":79.015,"end":82.08,"sentiment":"neutral","sentiment_score":0.02690233188596639},{"text":"And so we'll go on the address.","start":84.880005,"end":86.82,"sentiment":"neutral","sentiment_score":0.05815464737159865},{"text":"35 Oldbrow Road, Hornsby 2877.","start":89.44,"end":94.335,"sentiment":"neutral","sentiment_score":0.02747712191194296},{"text":"Yep.","start":102.255,"end":102.755,"sentiment":"neutral","sentiment_score":0.010784661397337914},{"text":"Right.","start":102.815,"end":103.315,"sentiment":"neutral","sentiment_score":-0.0021554450504481792}],"sentiment":"neutral","sentiment_score":0.033960920330137014,"num_words":25,"start":79.015,"end":103.315},{"sentences":[{"text":"I thought you already had it there for one, not just the other one.","start":104.175,"end":107.1,"sentiment":"neutral","sentiment_score":-0.03786416381730565},{"text":"Yep.","start":112.46,"end":112.96,"sentiment":"neutral","sentiment_score":0.001490449532866478},{"text":"That was the old 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number.","start":123.135,"end":133.475,"sentiment":"neutral","sentiment_score":-0.046752866676875525},{"text":"Yeah.","start":136.95999,"end":137.45999,"sentiment":"neutral","sentiment_score":-0.009913783520460129}],"sentiment":"neutral","sentiment_score":-0.08369046085230682,"num_words":46,"start":115.82,"end":137.45999},{"sentences":[{"text":"Yeah.","start":138.23999,"end":138.73999,"sentiment":"neutral","sentiment_score":0.01407182402908802},{"text":"Definitely the number doesn't come through to my phone.","start":139.12,"end":141.54,"sentiment":"neutral","sentiment_score":-0.1209302470088005},{"text":"So I'm sort of logged I'm sort of stuck at being out of my 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up.","start":159.785,"end":170.9225,"sentiment":"neutral","sentiment_score":0.27916231751441956},{"text":"Yep.","start":179.525,"end":180.025,"sentiment":"positive","sentiment_score":0.40494251251220703},{"text":"Mhmm.","start":181.605,"end":182.105,"sentiment":"neutral","sentiment_score":0.05106927081942558},{"text":"Yes.","start":191.045,"end":191.46,"sentiment":"neutral","sentiment_score":0.07947446405887604}],"sentiment":"neutral","sentiment_score":0.2438514556735754,"num_words":10,"start":159.38501,"end":191.46},{"sentences":[{"text":"Yep.","start":196.02,"end":196.52,"sentiment":"neutral","sentiment_score":0.05626168474555016},{"text":"Not a lot.","start":201.46,"end":202.18001,"sentiment":"neutral","sentiment_score":-0.09600568811098735},{"text":"I just sell a fair few.","start":202.18001,"end":203.62001,"sentiment":"neutral","sentiment_score":-0.07234950798253219},{"text":"So they're still on the side at the moment of shares, I 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days.","start":290.905,"end":293.405,"sentiment":"neutral","sentiment_score":-0.12816234760814244}],"sentiment":"neutral","sentiment_score":-0.06622917756584346,"num_words":51,"start":275.98,"end":293.405},{"sentences":[{"text":"If you got a minute, I can have a look.","start":296.505,"end":298.605,"sentiment":"neutral","sentiment_score":-0.0114073371514678},{"text":"Alright.","start":312.37,"end":312.87,"sentiment":"neutral","sentiment_score":0.029439203441143036},{"text":"Well, I got a third of that.","start":313.25,"end":314.87,"sentiment":"neutral","sentiment_score":0.030035046328391348},{"text":"So I didn't have a loan.","start":315.105,"end":335.16998,"sentiment":"neutral","sentiment_score":-0.016511032202591498},{"text":"Yep.","start":335.16998,"end":335.66998,"sentiment":"neutral","sentiment_score":0.05729895085096359}],"sentiment":"neutral","sentiment_score":0.003353756554424763,"num_words":25,"start":296.505,"end":335.66998},{"sentences":[{"text":"That's why I had my shares 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now.","start":390.49002,"end":393.23,"sentiment":"neutral","sentiment_score":-0.0023142887900273004},{"text":"Yeah.","start":395.69,"end":396.09003,"sentiment":"neutral","sentiment_score":0.155247762799263},{"text":"So I'm only doing three days a week.","start":396.09003,"end":398.01,"sentiment":"neutral","sentiment_score":-0.013558130478486419}],"sentiment":"neutral","sentiment_score":0.04575853274557097,"num_words":29,"start":388.25,"end":398.01},{"sentences":[{"text":"I get about $30 an hour.","start":398.01,"end":400.03,"sentiment":"neutral","sentiment_score":0.07919286129375298},{"text":"So I'm taking a fair cut in in that so that with the extra couple 100 I'm getting with that pension thing, that's that's working out pretty good.","start":402.055,"end":409.275,"sentiment":"neutral","sentiment_score":0.2676319908350706},{"text":"Not not at the moment.","start":417.29,"end":418.66998,"sentiment":"neutral","sentiment_score":-0.11953904032707215},{"text":"Not at the moment, but yeah.","start":420.33,"end":427.215,"sentiment":"neutral","sentiment_score":-0.07070849649608135},{"text":"I was just sitting down the track.","start":427.775,"end":429.555,"sentiment":"neutral","sentiment_score":-0.04744868991630418}],"sentiment":"neutral","sentiment_score":0.12720703655997148,"num_words":52,"start":398.01,"end":429.555},{"sentences":[{"text":"When I when I first started all this with you guys, we're looking at when I have when I retire getting a a an income of something like that.","start":430.01498,"end":441.455,"sentiment":"neutral","sentiment_score":-0.005260649329886354},{"text":"I think it was $50 a year or something.","start":441.455,"end":444.54,"sentiment":"neutral","sentiment_score":-0.019885487233599026},{"text":"Is that what's still down there, is it?","start":447.56,"end":449.32,"sentiment":"neutral","sentiment_score":-0.015655747847631574},{"text":"Did you still got that in your in your paper or something on your records?","start":449.32,"end":452.7,"sentiment":"neutral","sentiment_score":-0.008206727790335815},{"text":"Or yep.","start":452.76,"end":457.455,"sentiment":"neutral","sentiment_score":0.006669702474027872}],"sentiment":"neutral","sentiment_score":-0.00899263032312904,"num_words":63,"start":430.01498,"end":457.455},{"sentences":[{"text":"Yep.","start":458.25497,"end":458.75497,"sentiment":"neutral","sentiment_score":-0.0023679882287979126},{"text":"Yep.","start":459.85498,"end":460.35498,"sentiment":"neutral","sentiment_score":-0.00571064418181777},{"text":"Yep.","start":460.895,"end":461.395,"sentiment":"neutral","sentiment_score":-0.014588977210223677},{"text":"Yep.","start":464.81497,"end":464.97498,"sentiment":"neutral","sentiment_score":-0.009960591793060304},{"text":"So that's probably what yeah.","start":464.97498,"end":466.41498,"sentiment":"neutral","sentiment_score":-0.0074808269739151}],"sentiment":"neutral","sentiment_score":-0.007781370698163907,"num_words":9,"start":458.25497,"end":466.41498},{"sentences":[{"text":"That's probably will be fine.","start":466.41498,"end":468.19498,"sentiment":"neutral","sentiment_score":0.08296294510364532},{"text":"That's probably that's about what I'm getting, you know, with this net at the moment.","start":469.53497,"end":473.235,"sentiment":"neutral","sentiment_score":0.027105164527893067},{"text":"It could be that.","start":473.83,"end":474.88998,"sentiment":"neutral","sentiment_score":-0.008088662754744291},{"text":"Yeah.","start":476.31,"end":476.81,"sentiment":"neutral","sentiment_score":0.02210024744272232},{"text":"Probably between the 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hours.","start":492.815,"end":498.67502,"sentiment":"neutral","sentiment_score":0.09541631773823783},{"text":"Yep.","start":507.40002,"end":507.90002,"sentiment":"neutral","sentiment_score":0.1223461776971817}],"sentiment":"neutral","sentiment_score":-0.023707915304435626,"num_words":45,"start":485.75,"end":507.90002},{"sentences":[{"text":"Yes.","start":513.56,"end":514.06,"sentiment":"neutral","sentiment_score":0.03055703267455101},{"text":"No.","start":514.52,"end":514.68,"sentiment":"neutral","sentiment_score":-0.025684991851449013},{"text":"I believe that is.","start":514.68,"end":515.74,"sentiment":"neutral","sentiment_score":0.010756091214716434},{"text":"Yes.","start":530.445,"end":530.94,"sentiment":"neutral","sentiment_score":0.03542160615324974},{"text":"Sorry.","start":531.5,"end":531.98,"sentiment":"neutral","sentiment_score":0.009746040217578413}],"sentiment":"neutral","sentiment_score":0.011633006506599486,"num_words":8,"start":513.56,"end":531.98},{"sentences":[{"text":"Yes.","start":531.98,"end":532.3,"sentiment":"neutral","sentiment_score":0.033943597227334976},{"text":"That's gonna be correct.","start":532.3,"end":533.36,"sentiment":"neutral","sentiment_score":0.06690402887761593},{"text":"Yep.","start":533.58,"end":534.08,"sentiment":"neutral","sentiment_score":0.06739797443151474},{"text":"No.","start":537.58,"end":537.98,"sentiment":"neutral","sentiment_score":-0.15130630135536194},{"text":"I skipped that one.","start":537.98,"end":538.7,"sentiment":"neutral","sentiment_score":-0.200483750551939}],"sentiment":"neutral","sentiment_score":-0.053116692399436775,"num_words":11,"start":531.98,"end":538.7},{"sentences":[{"text":"I don't think No.","start":538.7,"end":547.155,"sentiment":"neutral","sentiment_score":-0.19913076423108578},{"text":"I haven't yet.","start":547.155,"end":547.715,"sentiment":"neutral","sentiment_score":-0.09892234454552333},{"text":"No.","start":547.715,"end":548.115,"sentiment":"neutral","sentiment_score":-0.14622703194618225},{"text":"I kept thinking about it, but I don't know.","start":548.115,"end":551.255,"sentiment":"neutral","sentiment_score":-0.17512299948268467},{"text":"Yep.","start":554.435,"end":554.935,"sentiment":"neutral","sentiment_score":-0.09203672409057616}],"sentiment":"neutral","sentiment_score":-0.16153671344121298,"num_words":18,"start":538.7,"end":554.935},{"sentences":[{"text":"Yeah.","start":556.03503,"end":556.275,"sentiment":"neutral","sentiment_score":0.04050283879041672},{"text":"And we'll see who to do it for you.","start":556.275,"end":558.115,"sentiment":"neutral","sentiment_score":0.07347268900937504},{"text":"Whatever.","start":558.115,"end":558.615,"sentiment":"neutral","sentiment_score":0.03493047505617142},{"text":"Yep.","start":558.755,"end":559.255,"sentiment":"neutral","sentiment_score":0.09691101312637328},{"text":"Yep.","start":566.68,"end":567.18,"sentiment":"neutral","sentiment_score":0.1414281129837036}],"sentiment":"neutral","sentiment_score":0.07500204931084926,"num_words":13,"start":556.03503,"end":567.18},{"sentences":[{"text":"No.","start":569.48004,"end":569.98004,"sentiment":"neutral","sentiment_score":0.012544270604848862},{"text":"That's good.","start":575.935,"end":576.755,"sentiment":"neutral","sentiment_score":-0.008277102140709758},{"text":"Yep.","start":582.575,"end":583.075,"sentiment":"neutral","sentiment_score":0.030271200463175777},{"text":"Yep.","start":584.255,"end":584.755,"sentiment":"neutral","sentiment_score":0.211171954870224},{"text":"So yeah.","start":590.86005,"end":591.5,"sentiment":"neutral","sentiment_score":0.18772213906049728}],"sentiment":"neutral","sentiment_score":0.0875539285396891,"num_words":7,"start":569.48004,"end":591.5},{"sentences":[{"text":"Okay.","start":591.5,"end":592.0,"sentiment":"neutral","sentiment_score":0.15555477142333984},{"text":"Yep.","start":597.66003,"end":597.98004,"sentiment":"neutral","sentiment_score":0.18149814009666443},{"text":"That'd be good because I so so yeah.","start":597.98004,"end":603.665,"sentiment":"neutral","sentiment_score":0.3041151128709316},{"text":"So my my shares are nearly well, $140 at the moment.","start":603.665,"end":608.005,"sentiment":"neutral","sentiment_score":0.3224192803556269},{"text":"So you can you can put that down whenever you wanna.","start":609.025,"end":612.165,"sentiment":"positive","sentiment_score":0.354793291200291}],"sentiment":"neutral","sentiment_score":0.3193535031750798,"num_words":32,"start":591.5,"end":612.165},{"sentences":[{"text":"Hang on a sec.","start":630.635,"end":631.615,"sentiment":"neutral","sentiment_score":0.00236684107221663},{"text":"Excuse me, ma'am.","start":632.075,"end":633.135,"sentiment":"neutral","sentiment_score":-0.0714534322420756},{"text":"Alright.","start":653.76,"end":654.16003,"sentiment":"neutral","sentiment_score":0.09071408212184906},{"text":"I'm back.","start":654.16003,"end":654.705,"sentiment":"neutral","sentiment_score":0.056718774139881134},{"text":"You 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hitting.","start":1335.11,"end":1336.1699,"sentiment":"neutral","sentiment_score":0.0805107295513153}],"sentiment":"neutral","sentiment_score":0.03820032203969147,"num_words":14,"start":1324.335,"end":1336.1699},{"sentences":[{"text":"Last document.","start":1346.325,"end":1347.145,"sentiment":"neutral","sentiment_score":0.017747267615050077},{"text":"You're going to click to stop for some reason.","start":1352.725,"end":1357.36,"sentiment":"neutral","sentiment_score":0.02531475553082095},{"text":"It does assign two documents.","start":1359.14,"end":1360.68,"sentiment":"neutral","sentiment_score":0.02614690810441971},{"text":"Okay.","start":1364.58,"end":1365.08,"sentiment":"neutral","sentiment_score":0.052774108946323395},{"text":"Alright.","start":1379.36,"end":1379.86,"sentiment":"neutral","sentiment_score":0.039148516952991486}],"sentiment":"neutral","sentiment_score":0.026999138968272343,"num_words":18,"start":1346.325,"end":1379.86},{"sentences":[{"text":"What are you talking about?","start":1388.9601,"end":1392.72,"sentiment":"neutral","sentiment_score":0.018207770958542823},{"text":"Alright.","start":1392.72,"end":1393.12,"sentiment":"neutral","sentiment_score":0.01872929371893406},{"text":"Text phone number.","start":1393.12,"end":1394.18,"sentiment":"neutral","sentiment_score":0.012566526109973589},{"text":"Authorization for lost signature.","start":1401.225,"end":1403.3251,"sentiment":"neutral","sentiment_score":0.017055245582014322},{"text":"I'll note and send.","start":1406.105,"end":1407.3,"sentiment":"neutral","sentiment_score":0.019310515373945236}],"sentiment":"neutral","sentiment_score":0.01723122180384748,"num_words":17,"start":1388.9601,"end":1407.3},{"sentences":[{"text":"Yep.","start":1418.9801,"end":1419.4801,"sentiment":"neutral","sentiment_score":0.013522046618163586},{"text":"That's what it's doing.","start":1419.7001,"end":1420.8401,"sentiment":"neutral","sentiment_score":0.01639727223664522},{"text":"Yep.","start":1428.505,"end":1428.8251,"sentiment":"neutral","sentiment_score":0.14999495446681976},{"text":"Yep.","start":1428.8251,"end":1429.3251,"sentiment":"neutral","sentiment_score":0.12404542416334152},{"text":"No.","start":1449.5249,"end":1449.845,"sentiment":"neutral","sentiment_score":0.12518799304962158}],"sentiment":"neutral","sentiment_score":0.05979243840556592,"num_words":8,"start":1418.9801,"end":1449.845},{"sentences":[{"text":"I think that's all pretty good.","start":1449.845,"end":1451.5249,"sentiment":"positive","sentiment_score":0.4241439203421275},{"text":"I think everything's supposed to be going okay.","start":1451.5249,"end":1453.705,"sentiment":"positive","sentiment_score":0.4654938243329525},{"text":"The the account that I'm pulling money out of doesn't seem to be losing any.","start":1455.0449,"end":1459.2849,"sentiment":"neutral","sentiment_score":0.2838295966386795},{"text":"So that's it.","start":1459.2849,"end":1465.96,"sentiment":"neutral","sentiment_score":0.054463161155581474},{"text":"So I'm not losing any.","start":1466.26,"end":1467.5399,"sentiment":"neutral","sentiment_score":-0.19971793033182622}],"sentiment":"neutral","sentiment_score":0.2619204837325457,"num_words":37,"start":1449.845,"end":1467.5399},{"sentences":[{"text":"And and the other said they're both increasing, which is good.","start":1467.5399,"end":1470.84,"sentiment":"neutral","sentiment_score":0.2259404957294464},{"text":"Not as much as I was.","start":1471.2999,"end":1472.4199,"sentiment":"neutral","sentiment_score":-0.10852561021844546},{"text":"I I've always been a a an aggressive high grade, high risk.","start":1472.4199,"end":1478.1749,"sentiment":"neutral","sentiment_score":-0.09154440105582277},{"text":"Yep.","start":1478.1749,"end":1478.6749,"sentiment":"neutral","sentiment_score":0.01758715510368347},{"text":"But as I've been advised, you know, at the moment, it's a bit better off.","start":1480.335,"end":1485.7949,"sentiment":"neutral","sentiment_score":-0.027241025927166145}],"sentiment":"neutral","sentiment_score":0.007658461005323463,"num_words":45,"start":1467.5399,"end":1485.7949},{"sentences":[{"text":"Alrighty.","start":1489.56,"end":1490.06,"sentiment":"neutral","sentiment_score":0.09887993335723876},{"text":"Hold on.","start":1490.28,"end":1491.02,"sentiment":"neutral","sentiment_score":0.0668516755104065},{"text":"Cool.","start":1495.4,"end":1495.9,"sentiment":"positive","sentiment_score":0.37579765915870667},{"text":"Yep.","start":1506.265,"end":1506.765,"sentiment":"neutral","sentiment_score":0.29379329085350037},{"text":"Mhmm.","start":1517.33,"end":1517.83,"sentiment":"neutral","sentiment_score":0.06914296746253967}],"sentiment":"neutral","sentiment_score":0.16188620030879974,"num_words":6,"start":1489.56,"end":1517.83},{"sentences":[{"text":"Well, yep.","start":1527.0549,"end":1527.855,"sentiment":"neutral","sentiment_score":0.1373678743839264},{"text":"Okay.","start":1527.855,"end":1528.355,"sentiment":"neutral","sentiment_score":0.2169773280620575},{"text":"That's sweet.","start":1528.575,"end":1529.395,"sentiment":"positive","sentiment_score":0.3535648286342621},{"text":"Well, I'm it's yeah.","start":1529.855,"end":1531.635,"sentiment":"neutral","sentiment_score":0.11866025440394878},{"text":"Yep.","start":1532.4149,"end":1532.9149,"sentiment":"neutral","sentiment_score":0.19544777274131775}],"sentiment":"neutral","sentiment_score":0.18689315244555474,"num_words":10,"start":1527.0549,"end":1532.9149},{"sentences":[{"text":"I'm happy with whatever you guys, I think is the best place to put put the, you know, to invest in.","start":1534.1749,"end":1541.85,"sentiment":"positive","sentiment_score":0.3591367559773581},{"text":"Yep.","start":1550.47,"end":1550.97,"sentiment":"neutral","sentiment_score":0.11325009912252426},{"text":"Mhmm.","start":1556.885,"end":1557.385,"sentiment":"neutral","sentiment_score":0.06878793239593506},{"text":"Yep.","start":1560.3251,"end":1560.8251,"sentiment":"neutral","sentiment_score":0.06861802935600281},{"text":"No.","start":1564.005,"end":1564.505,"sentiment":"neutral","sentiment_score":-0.0957462191581726}],"sentiment":"neutral","sentiment_score":0.30787126868963244,"num_words":25,"start":1534.1749,"end":1564.505},{"sentences":[{"text":"Sweet.","start":1565.285,"end":1565.785,"sentiment":"neutral","sentiment_score":0.24817004799842832},{"text":"No.","start":1570.08,"end":1570.58,"sentiment":"neutral","sentiment_score":0.06786945462226868},{"text":"Thank you very much.","start":1572.32,"end":1573.5399,"sentiment":"positive","sentiment_score":0.7563161849975586},{"text":"Alright.","start":1575.0399,"end":1575.5399,"sentiment":"positive","sentiment_score":0.5882352590560913},{"text":"Alright.","start":1575.6,"end":1576.1,"sentiment":"positive","sentiment_score":0.441079318523407}],"sentiment":"positive","sentiment_score":0.5463273525238037,"num_words":8,"start":1565.285,"end":1576.1},{"sentences":[{"text":"Gotcha.","start":1576.24,"end":1576.74,"sentiment":"neutral","sentiment_score":0.18912850320339203}],"sentiment":"neutral","sentiment_score":0.18912850320339203,"num_words":1,"start":1576.24,"end":1576.74}]}}]}],"paragraphs":{"transcript":"\nChannel 1: This is Brian Smith.\n\nChannel 0: Good morning, Brian. It's Tommy here, senior adviser at Oakview. How are you doing today?\n\nChannel 1: I'm good. Thank you. How are you going?\n\nChannel 0: I'm living the dream. It's a beautiful freezing cold wet day on the Gold Coast. What about your end?\n\nChannel 1: Good, Jacob. It's a lovely sunny day about 20 degrees. Not a cloud in the sky. Beautiful.\n\nChannel 0: Beautiful. Beautiful. Well, thank you for spending a few minutes with me this morning.\n\nChannel 1: Yep.\n\nChannel 0: I was just gonna go through your annual review. Beautiful. So I have a bit of an email pack I'm gonna pop through to you. Will you be able to look on to your emails with me today, or should I just walk you through what's coming through?\n\nChannel 1: Yep. No. I can log in. I've\n\nChannel 0: Beautiful.\n\nChannel 1: got a question\n\nChannel 0: And\n\nChannel 1: for yeah. I've\n\nChannel 0: Yeah, mate.\n\nChannel 1: got a\n\nChannel 0: Brett,\n\nChannel 1: question\n\nChannel 0: go for it.\n\nChannel 1: for you. I got I got a a message on my phone saying a new device was signed in to my account, and my details have been changed\n\nChannel 0: Details have been\n\nChannel 1: this\n\nChannel 0: changed.\n\nChannel 1: this\n\nChannel 0: Needs\n\nChannel 1: morning.\n\nChannel 0: advice.\n\nChannel 1: Yeah.\n\nChannel 0: Yes. We did a our staff updated your address to,\n\nChannel 1: Okay.\n\nChannel 0: yeah, updated your address on the account, which we can do online pretty easily.\n\nChannel 1: Yep.\n\nChannel 0: Speaking\n\nChannel 1: Yep.\n\nChannel 0: of which, I'll just grab your date of birth and address for security if that's alright.\n\nChannel 1: Yep. Date of birth is ninth of the second nineteen sixty three.\n\nChannel 0: Perfect.\n\nChannel 1: And so we'll go on the address.\n\nChannel 0: Yes.\n\nChannel 1: 35 Oldbrow Road, Hornsby 2877.\n\nChannel 0: Perfect. Perfect. Yeah. So when Michelle got you booked in for your review, she updated the address on Netwealth there just to match\n\nChannel 1: Yep.\n\nChannel 0: over our\n\nChannel 1: Right.\n\nChannel 0: road.\n\nChannel 1: I thought you already had it there for one, not just the other\n\nChannel 0: Yeah.\n\nChannel 1: one.\n\nChannel 0: Absolutely. And I've got the old one there as Dural Dural Street, Hornsby.\n\nChannel 1: Yep.\n\nChannel 0: It was a unit.\n\nChannel 1: That\n\nChannel 0: Yep.\n\nChannel 1: was the old one. Yes. Okay.\n\nChannel 0: Perfect.\n\nChannel 1: Cool.\n\nChannel 0: Perfect. Alrighty.\n\nChannel 1: Alright. Now\n\nChannel 0: Outside of that, go for it.\n\nChannel 1: I can't log in to my account.\n\nChannel 0: Okay.\n\nChannel 1: It\n\nChannel 0: So\n\nChannel 1: comes\n\nChannel 0: should\n\nChannel 1: up\n\nChannel 0: we\n\nChannel 1: with\n\nChannel 0: do\n\nChannel 1: I gotta log in, then it comes up with the next screen saying, we'll send you a a pass you know, a coded number,\n\nChannel 0: yep.\n\nChannel 1: but I don't get the coded number.\n\nChannel 0: Perfect. So it's the old two factor authentication that's trapping\n\nChannel 1: Yeah.\n\nChannel 0: you at the moment.\n\nChannel 1: Yeah. Definitely\n\nChannel 0: Alrighty.\n\nChannel 1: the number doesn't come through to my phone. So\n\nChannel 0: Alrighty.\n\nChannel 1: I'm sort of logged I'm sort of stuck at being out of my account.\n\nChannel 0: Alright. So we got the two factor code not coming through the phone. Cool. I'll get Michelle to have a look at that with Netwealth\n\nChannel 1: Perfect.\n\nChannel 0: and see if\n\nChannel 1: Excellent.\n\nChannel 0: we can get that reset for you.\n\nChannel 1: Alright. I'm just getting my emails\n\nChannel 0: Perfect. And, Brian, just while you're doing that with our new system, I'm just gonna cross reference the details\n\nChannel 1: up.\n\nChannel 0: just to make sure it's all correct because we've moved all of our clients across and kind of custom built a system for ourselves. Fantastic for tracking tasks and everything. Just wanna make sure\n\nChannel 1: Yep.\n\nChannel 0: it's all up to date.\n\nChannel 1: Mhmm.\n\nChannel 0: The main thing I'm looking at in terms of advice and goals and everything was you've got this transition pension going on, which is kind of supplementing your income,\n\nChannel 1: Yes.\n\nChannel 0: and you're looking at possibly hanging up the boots at maybe 65 and doing\n\nChannel 1: Yep.\n\nChannel 0: a bit of a combination between the super, and I believe you've got a lot of shares there as well.\n\nChannel 1: Not a lot. I just sell a fair few. So they're still on the side at the moment of shares, I guess. And, you know,\n\nChannel 0: Yep.\n\nChannel 1: they're they're not doing\n\nChannel 0: Will\n\nChannel 1: much.\n\nChannel 0: we be factoring those into that retirement outcome at 65, or should we just kind of, like, keep the super growing, keep supplementing the income, and then they'll come in a little bit later?\n\nChannel 1: I'm thinking that would come in a bit later.\n\nChannel 0: Yep. While\n\nChannel 1: $20.65\n\nChannel 0: I've\n\nChannel 1: is only\n\nChannel 0: got\n\nChannel 1: a\n\nChannel 0: that\n\nChannel 1: couple of years. So, yeah, I think maybe\n\nChannel 0: Yeah.\n\nChannel 1: a couple more years for them to come to fruition. So I think it is the cream on the top.\n\nChannel 0: Yeah. Perfect. And hopefully because what I was looking at, those webjets and mining and lithium there. Hopefully, those are gonna get some good growth, and hopefully, they did last year as well.\n\nChannel 1: Well, we were all those. I I sold all those.\n\nChannel 0: Okay. So can I just get just a quick updated value on what's left over in terms of share value? It definitely wouldn't\n\nChannel 1: Just\n\nChannel 0: be seven\n\nChannel 1: trying\n\nChannel 0: 100\n\nChannel 1: to\n\nChannel 0: thousand.\n\nChannel 1: oh, no. No. I I sold a fair bit when I bought into this house now where I'm living.\n\nChannel 0: Yep.\n\nChannel 1: So we got out of renting because I was renting before at Jewel Street. So now I'm bored\n\nChannel 0: Good\n\nChannel 1: into\n\nChannel 0: move.\n\nChannel 1: this house, so I sold a fair bit. So I've only got the left.\n\nChannel 0: K. And,\n\nChannel 1: And I had to sell some of those anyway as well. So it's probably, I don't know, a couple 100,000 or something maybe.\n\nChannel 0: Yep. I can just\n\nChannel 1: Not\n\nChannel 0: put\n\nChannel 1: sure\n\nChannel 0: that\n\nChannel 1: what\n\nChannel 0: as\n\nChannel 1: the\n\nChannel 0: an estimate.\n\nChannel 1: RPOs are worth these days.\n\nChannel 0: And I'm gonna\n\nChannel 1: If\n\nChannel 0: do\n\nChannel 1: you got\n\nChannel 0: a\n\nChannel 1: a\n\nChannel 0: quick\n\nChannel 1: minute,\n\nChannel 0: check\n\nChannel 1: I can\n\nChannel 0: of\n\nChannel 1: have a look.\n\nChannel 0: yeah. No. That's fine. The property value so I'm just doing a quick updated online check. It's looking like it's 1 0.3.\n\nYou think that's okay to put down for asset value?\n\nChannel 1: Alright. Well, I got a third of that. So\n\nChannel 0: Third. Third of that. Third. And what would be your loan value leftover for your portion?\n\nChannel 1: I didn't have\n\nChannel 0: No loans just bought outright with the shares and everything?\n\nChannel 1: a loan. Yep.\n\nChannel 0: Okay. Perfect.\n\nChannel 1: That's why I had my shares full house. My whole thing of my shares. So I thought, well, that's look at the opportunity.\n\nChannel 0: Well, I'm glad that that you got it into a property from them. That's probably one of the best outcomes to see is\n\nChannel 1: Yep.\n\nChannel 0: selling them off to get an asset behind you, which is fantastic. No renovations or anything on the go for that property. Is it all pretty well set? Perfect. Are you still working as a lift technician on about 50 or\n\nChannel 1: Yep. No.\n\nChannel 0: 40 to 50\n\nChannel 1: No. Just doing installment. Delivery driver, so Storm and sort of thing.\n\nChannel 0: thousand? Yep. And the the pension that's coming out to you from your super, how are you\n\nChannel 1: Yep.\n\nChannel 0: finding cash flow wise? Is it okay?\n\nChannel 1: Yeah. I think it's just working out fine. So I'm only doing I only work three days a week now.\n\nChannel 0: Yep. Okay. Three days a week. Fantastic.\n\nChannel 1: Yeah.\n\nChannel 0: It's a bit of\n\nChannel 1: So I'm only doing three\n\nChannel 0: a slowdown.\n\nChannel 1: days a week. I get about $30 an hour. So I'm taking a fair cut in in that so that with the extra couple 100 I'm getting with that pension thing, that's that's working out pretty good.\n\nChannel 0: Perfect. Perfect. Any need to adjust that at all?\n\nChannel 1: Not not at the moment.\n\nChannel 0: K.\n\nChannel 1: Not at the moment, but yeah. I was just sitting down the track. When I when I first started all this with you guys, we're looking at when I have when I retire getting a a an income of something like that. I think it was $50 a year or something.\n\nChannel 0: Yeah. It was about 600 a week is what\n\nChannel 1: Is\n\nChannel 0: I've\n\nChannel 1: that\n\nChannel 0: got\n\nChannel 1: what's\n\nChannel 0: noted\n\nChannel 1: still\n\nChannel 0: down.\n\nChannel 1: down there, is it? Did you still got that in your in your paper or something on your records?\n\nChannel 0: Yeah.\n\nChannel 1: Or\n\nChannel 0: Yep. It was basically transitioning between now for that couple of 100 to supplement\n\nChannel 1: yep.\n\nChannel 0: the income and then about\n\nChannel 1: Yep.\n\nChannel 0: 600 a week net of\n\nChannel 1: Yep.\n\nChannel 0: tax after\n\nChannel 1: Yep.\n\nChannel 0: 65. After\n\nChannel 1: Yep. So\n\nChannel 0: 60\n\nChannel 1: that's probably\n\nChannel 0: 5 net\n\nChannel 1: what\n\nChannel 0: of tax.\n\nChannel 1: yeah. That's probably will be fine.\n\nChannel 0: Perfect.\n\nChannel 1: That's\n\nChannel 0: And\n\nChannel 1: probably\n\nChannel 0: with\n\nChannel 1: that's\n\nChannel 0: the\n\nChannel 1: about\n\nChannel 0: income,\n\nChannel 1: what I'm getting, you know, with this net at the moment. It could\n\nChannel 0: it's\n\nChannel 1: be\n\nChannel 0: about\n\nChannel 1: that.\n\nChannel 0: 600 a week at the moment.\n\nChannel 1: Yeah. Probably between the 2.\n\nChannel 0: Okay. And 600 a week after tax or before tax is what you're getting?\n\nChannel 1: Well, with my work, I don't get there's hardly any tax. I'm I'm almost\n\nChannel 0: Yeah.\n\nChannel 1: I'm on the threshold. You know what I mean?\n\nChannel 0: Absolutely.\n\nChannel 1: I get sometimes sometimes a couple of bucks, sometimes it's $40, depends if I do it in a couple extra hours.\n\nChannel 0: Perfect. I'll put that 31,000 in there just as a bit of a conservative estimate for the 600 a week just for your current employment income.\n\nChannel 1: Yep.\n\nChannel 0: And is it are you doing that with Uplift Elevators, or did you change\n\nChannel 1: Yes.\n\nChannel 0: employers?\n\nChannel 1: No.\n\nChannel 0: Yep.\n\nChannel 1: I believe that is.\n\nChannel 0: Sensational. Estate planning wise, just quickly on that one, we've got three beneficiaries noted for the super and the pension, Trevor, Michelle, and Nicole.\n\nChannel 1: Yes. Sorry. Yes.\n\nChannel 0: 30 five,\n\nChannel 1: That's gonna\n\nChannel 0: 30\n\nChannel 1: be correct.\n\nChannel 0: five, thirty\n\nChannel 1: Yep.\n\nChannel 0: percent. Okay. Any changes needed there, or are you happy to keep that one going?\n\nChannel 1: No. I skipped that one. I don't think\n\nChannel 0: Perfect. Alrighty. Did you end up getting, like, a will and a power of attorney put in place there,\n\nChannel 1: No.\n\nChannel 0: Brian?\n\nChannel 1: I haven't yet. No. I kept thinking about it, but I don't know.\n\nChannel 0: It's one of those ones. It's always back of minds, and it's like who's\n\nChannel 1: Yep.\n\nChannel 0: got the time to do it too.\n\nChannel 1: Yeah. And we'll see who to do it for you. Whatever. Yep.\n\nChannel 0: Yeah. I get you. Easy done. And, obviously, no insurances or anything because it's all pretty much pension phase at this point, and you've got\n\nChannel 1: Yep.\n\nChannel 0: enough in assets to to carry you through.\n\nChannel 1: No.\n\nChannel 0: Super's gone up to over 400,000 now, so some good news for you is market\n\nChannel 1: That's\n\nChannel 0: took a\n\nChannel 1: good.\n\nChannel 0: bit of a tumble, but even with the the pension that came out of the TTR pension, it's grown a couple of grand on\n\nChannel 1: Yep.\n\nChannel 0: top of what came out, and then\n\nChannel 1: Yep.\n\nChannel 0: the supers bumped up another $15 as well.\n\nChannel 1: So\n\nChannel 0: So\n\nChannel 1: yeah.\n\nChannel 0: I'm looking\n\nChannel 1: Okay.\n\nChannel 0: at I'm just gonna go in and get some updated figures for you for today.\n\nChannel 1: Yep. That'd be\n\nChannel 0: Now\n\nChannel 1: good because\n\nChannel 0: you're\n\nChannel 1: I\n\nChannel 0: in a pretty yeah. Because you\n\nChannel 1: so\n\nChannel 0: don't have the access. I'll get Michelle into that straight away.\n\nChannel 1: so yeah. So my my shares are nearly well, $140 at the moment.\n\nChannel 0: Yep. Okay.\n\nChannel 1: So you can you can put that down whenever you wanna.\n\nChannel 0: Now one of the things to to keep in mind too is because when you're getting to that 65, we're gonna convert all of the super over into this account based pension. And when it's in pension phase, everything is tax free. The earnings are tax free. The income you draw down is tax\n\nChannel 1: Hang\n\nChannel 0: free.\n\nChannel 1: on a sec. Excuse me, ma'am.\n\nChannel 0: Yeah. You're right.\n\nChannel 1: Alright. I'm back. You there?\n\nChannel 0: Yeah. I've got you. Can you hear me alright?\n\nChannel 1: Yep. Sorry. I just had to do the push the button thing to get into my emails.\n\nChannel 0: Yeah. No. That's alright.\n\nChannel 1: So\n\nChannel 0: What I'm thinking\n\nChannel 1: okay.\n\nChannel 0: of, when you go into pension phase, let's say '65,\n\nChannel 1: Yep.\n\nChannel 0: you're in a pretty tax free environment. Everything it earns in returns is tax free, and everything you withdraw is tax free as well.\n\nChannel 1: Okay.\n\nChannel 0: Now with the shares, the options for disposal are\n\nChannel 1: Uh-huh.\n\nChannel 0: pretty much two two main options. Because\n\nChannel 1: Alright.\n\nChannel 0: you've got full access to super at that point, let's say you sell them and you\n\nChannel 1: Yep.\n\nChannel 0: do up like a capital gain.\n\nChannel 1: Yep.\n\nChannel 0: You can concessionally contribute that into the super to drop the taxes down and then pull it back out again if you need it.\n\nChannel 1: Okay. I've I've\n\nChannel 0: The\n\nChannel 1: got a fair capital loss running at the moment with other\n\nChannel 0: okay.\n\nChannel 1: shares I've sold over the years.\n\nChannel 0: So\n\nChannel 1: So\n\nChannel 0: we'll have to be careful that when you do dispose of them because\n\nChannel 1: yep.\n\nChannel 0: your other option is that if the taxes aren't gonna be too big of a deal is you could possibly put it in as a non concessional contribution to super so there's no tax fee dependents when they receive it.\n\nChannel 1: Alright.\n\nChannel 0: So those two options is pretty much what I'll explore with you in a few years' time. But I just wanted to\n\nChannel 1: Okay.\n\nChannel 0: let you know that we'll pretty much\n\nChannel 1: Right.\n\nChannel 0: have to bounce between the two and check\n\nChannel 1: Uh-huh.\n\nChannel 0: the capital gains when you go to dispose of them.\n\nChannel 1: Right. So when yeah. Okay. So when I'm thinking of selling, I should hook up with you guys and talk through it.\n\nChannel 0: Yeah. Just give us a bell. I'll walk you through\n\nChannel 1: Yep.\n\nChannel 0: the options. We'll see what\n\nChannel 1: Yep.\n\nChannel 0: the gains look like, and then we'll just see which one's gonna work out best for you.\n\nChannel 1: Yep.\n\nChannel 0: Cool.\n\nChannel 1: Too easy.\n\nChannel 0: Now when it comes to your risk profile, because you're in this transition phase and you're about to retire in a few years,\n\nChannel 1: Yep.\n\nChannel 0: everything is in a pretty defensive portfolio.\n\nChannel 1: Yep.\n\nChannel 0: So, again, it's pretty much trying to mimic returns just above cash. So, you know, what you\n\nChannel 1: Yep.\n\nChannel 0: would get in savings above that.\n\nChannel 1: Yeah.\n\nChannel 0: It's obviously been a bit of a low year with the markets going down, so it's still positive two to 4%, but it's not that six or seven that you would normally get\n\nChannel 1: Mhmm.\n\nChannel 0: in a good year.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Are you comfortable just to kind of keep maintaining a pretty safe risk level?\n\nChannel 1: I think so. I think\n\nChannel 0: Yep.\n\nChannel 1: so. It's still going up every. Was was it have you got what it is between the two accounts I've got going?\n\nChannel 0: Yes.\n\nChannel 1: You\n\nChannel 0: I\n\nChannel 1: know, what\n\nChannel 0: do.\n\nChannel 1: what's my overall amount I have now?\n\nChannel 0: So so we've got I'll just add them up. We've got $1.67 in the super from $1.50, and then we've got $2.37 in the pension. So $4.00 5 is what you've got currently plus the shares.\n\nChannel 1: Oh, yeah.\n\nChannel 0: Now you pretty much need between 3 to 600,000 for that retirement goal. So\n\nChannel 1: Yep.\n\nChannel 0: 300,000 would be the the lower end where\n\nChannel 1: Mhmm.\n\nChannel 0: it would last about twenty to twenty five years, whereas\n\nChannel 1: Yep.\n\nChannel 0: 600,000 is it wouldn't deplete at all.\n\nChannel 1: Yep.\n\nChannel 0: So we're in those last few periods of getting a little bit of contributions and growth out of it, maybe end up with $4.50, 500, whatever it is, but you're pretty much smack bang on track for the goal. And then with the house there plus the shares, you've\n\nChannel 1: Yep.\n\nChannel 0: pretty much got the trifecta.\n\nChannel 1: That's what I was thinking now. Now now that I've got the house, it cuts a a hell of a lot of bills down.\n\nChannel 0: Oh, I can imagine.\n\nChannel 1: So\n\nChannel 0: The rents\n\nChannel 1: so it just\n\nChannel 0: have\n\nChannel 1: makes\n\nChannel 0: gone up pretty crazy.\n\nChannel 1: yep. So, yeah, it's just, like, all the overheads are gone now. So living lives a lot cheaper. Well,\n\nChannel 0: Yep.\n\nChannel 1: you're not counting on overseas holidays. That's fine.\n\nChannel 0: Anything else planned in the next few years that I should account for?\n\nChannel 1: No. Not really. Just taking it. U by u. Whatever.\n\nSee what comes in there. Nothing\n\nChannel 0: Beautiful.\n\nChannel 1: planned.\n\nChannel 0: Now one thing I wanted to broach with you, Brian, is for the investments inside the super, there's still a decent amount of growth assets in terms of shares inside the portfolio. I can look at our more up to date conservative portfolios and see if maybe I can make it even safer and maybe try and get a slightly better return out of it if you want me to go see what I can come up with. It's doing pretty well at the moment, but I can make it that one peg safer, maybe get a slightly better return.\n\nChannel 1: What if we can get a better return? I'm I'm I'm I'm up for it.\n\nChannel 0: Yep.\n\nChannel 1: I\n\nChannel 0: And\n\nChannel 1: still\n\nChannel 0: if\n\nChannel 1: want it to\n\nChannel 0: it's\n\nChannel 1: keep\n\nChannel 0: gonna\n\nChannel 1: on\n\nChannel 0: be\n\nChannel 1: growing. Like I said, if it keeps on growing, then that's that's that's the main thing.\n\nChannel 0: yeah. Yep. So the the only risk you gotta consider, so we'll keep focusing on growth. If I find something that's safer, but it's not a better return, like, I don't get the best both worlds, I'm not gonna change anything. We'll just keep it as is.\n\nBut\n\nChannel 1: Yep.\n\nChannel 0: just bear in mind that worst case scenario, if we go through a global financial crisis,\n\nChannel 1: Yep.\n\nChannel 0: you probably do stand to see that drop maybe 20% in the worst case,\n\nChannel 1: Right.\n\nChannel 0: you know,\n\nChannel 1: Right.\n\nChannel 0: full market meltdown. And\n\nChannel 1: Mhmm.\n\nChannel 0: even so, you would still be able to keep retiring with that level of volatility anyway, but it may be\n\nChannel 1: Yep.\n\nChannel 0: a thing where it's like, if you want to at the time, maybe you delay retirement by a year just to let it bounce back a little bit before you start drawing that much down. Or you\n\nChannel 1: Yep.\n\nChannel 0: draw that much down and you just understand that there's a bit of a sequencing risk where market's going down and you're pulling funds out, so\n\nChannel 1: Yep.\n\nChannel 0: it slows it down a bit more.\n\nChannel 1: Yep. So you just tighten my belt as far as how much I wanna pull out.\n\nChannel 0: Yeah. Pretty much. So\n\nChannel 1: If\n\nChannel 0: we work\n\nChannel 1: if it's\n\nChannel 0: with you on adjusting that regularly.\n\nChannel 1: yep. If if that's, you know, come to fruition.\n\nChannel 0: Yep.\n\nChannel 1: Yep. Yeah. I understand all that.\n\nChannel 0: Perfect. Now when we do hit that 65, obviously, we're gonna look at that full transition to pension phase, maybe wind down the shares, and we'll probably meet possibly even every three to six months just to check-in on\n\nChannel 1: Yep.\n\nChannel 0: how it's going and and what you need income wise. But once you get to that point, it's full access. So if you go, hey, Matt. I need $10 for a car or something. You\n\nChannel 1: Yep.\n\nChannel 0: can pull that out as long as\n\nChannel 1: Okay.\n\nChannel 0: we don't go overboard with it.\n\nChannel 1: Yep. Sweet.\n\nChannel 0: In between\n\nChannel 1: That's\n\nChannel 0: now\n\nChannel 1: that's\n\nChannel 0: and then,\n\nChannel 1: good. Yep.\n\nChannel 0: do you want me to just kind of pencil in for that twelve monthly review? Do you want me to touch base with you more frequently? What would you be your preference?\n\nChannel 1: 12 monthly is fine. I'm just thinking we're I don't think I need six monthly for any reason. Not\n\nChannel 0: Yep.\n\nChannel 1: much has changed, and I'm still so I work for my nephew, so I'm sort of locked in there. But\n\nChannel 0: Yep.\n\nChannel 1: I'm not gonna I shouldn't be losing my job in a hurry. I\n\nChannel 0: Hopefully.\n\nChannel 1: upset him, but he he upsets me, so it works both ways.\n\nChannel 0: It evens out in the end.\n\nChannel 1: This is what family's all for, so it's\n\nChannel 0: Yeah.\n\nChannel 1: a little bit flexible in that in that way.\n\nChannel 0: Cool. So, look, if anything does change, just give us a buzz, and we can adjust things. But I'll just make sure that we touch base at least every twelve months\n\nChannel 1: So\n\nChannel 0: until\n\nChannel 1: I think every\n\nChannel 0: we get\n\nChannel 1: call\n\nChannel 0: to that\n\nChannel 1: must\n\nChannel 0: pension\n\nChannel 1: is fine.\n\nChannel 0: pay.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. Okay.\n\nChannel 1: Unless something drastic happens in the market, and you wanna when things go wrong. But so,\n\nChannel 0: Yeah.\n\nChannel 1: yep. I've got got my emails up, and there's this thing in here from out of you from you.\n\nChannel 0: Yeah.\n\nChannel 1: Is it Tommy?\n\nChannel 0: So inside that purple button to do the signing, it'll bring up all the documents for you to review.\n\nChannel 1: Yep.\n\nChannel 0: And what you've basically got in there is all of your assets in the super. That's four pages. Then all of your assets\n\nChannel 1: Mhmm.\n\nChannel 0: in your pension. We've got an updated services guide with us, a couple of service agreements there because you're on the the discounted fee, the 1.1%, so the 1.65, and that's\n\nChannel 1: Mhmm.\n\nChannel 0: for the two accounts averaged off. I will let you know as well, serving the guys that are bringing in a bit of a tiered fee structure next year. So everyone\n\nChannel 1: Yep.\n\nChannel 0: above 200,000 will start to get some discounts in about twelve months' time.\n\nChannel 1: K.\n\nChannel 0: So I'll make sure I flag that once all the paperwork's all drawn up, and we've got annual agreements in place for that next review as well.\n\nChannel 1: Mhmm.\n\nChannel 0: Two other pieces of documents that are kind of new is there's a bit of a tax file number opt in there because there was a lot of cybersecurity issues in Australia last year. We just wanna make sure that we can get your consent to hold your tax file number on one document rather than five digital systems. So we just wanna make sure you're comfortable because we obviously we use that for the super and the pension.\n\nChannel 1: Yep. I guess so.\n\nChannel 0: Yep. And the only other thing was there's a bit of a lost super search, which isn't really that important, but we do always ping the government system just to see if there's anything\n\nChannel 1: Yep.\n\nChannel 0: else that's been floating around that we don't know about as a one off check. So we've got access to to ping SuperStream. So we\n\nChannel 1: Yep.\n\nChannel 0: just do that as a bit of background check just in case.\n\nChannel 1: Yep. We've got a lot of oxy bees and super whatever my oh, no. My company should be giving it straight to you guys.\n\nChannel 0: Yeah. All the contributions are going into Netwealth that I can see. And\n\nChannel 1: So\n\nChannel 0: if\n\nChannel 1: yep.\n\nChannel 0: there was anything floating out there after\n\nChannel 1: Shouldn't\n\nChannel 0: eighteen\n\nChannel 1: be.\n\nChannel 0: months, they close it down anyway, and\n\nChannel 1: Yep.\n\nChannel 0: the government tends to move it across to your active account.\n\nChannel 1: Yep. No. I did a consolidation years ago when I had a few different things happen.\n\nChannel 0: Yeah. Yeah. Alright. So I'll do a bit of a check on the portfolio side of things. I'm not gonna rebalance anything between your two accounts at this point.\n\nI'm just gonna keep letting it grow until we need to adjust your income. Because if I piled all of your super into that pension account, that minimum is gonna push up how much you have to pull out of it.\n\nChannel 1: So hang on one second. I'm just trying to sign this document. So I gotta concentrate with this.\n\nChannel 0: That's alright, mate. Take your time. The buttons will bring you to the spots. Those purple buttons\n\nChannel 1: Oh, I'm\n\nChannel 0: will take\n\nChannel 1: down there.\n\nChannel 0: just\n\nChannel 1: I was\n\nChannel 0: pop\n\nChannel 1: just\n\nChannel 0: it\n\nChannel 1: trying\n\nChannel 0: there.\n\nChannel 1: to use the the the signage thing with the the cursor.\n\nChannel 0: Oh, yeah. Chore it with\n\nChannel 1: You\n\nChannel 0: a mouth.\n\nChannel 1: know what I mean?\n\nChannel 0: Not\n\nChannel 1: Trying\n\nChannel 0: always\n\nChannel 1: to draw\n\nChannel 0: easy.\n\nChannel 1: it like a little kid.\n\nChannel 0: Yep. It all comes\n\nChannel 1: Oh,\n\nChannel 0: full\n\nChannel 1: it's terrible.\n\nChannel 0: circle.\n\nChannel 1: Oh, they are the head drunk. Oh, no one. Oops. I really canceled that one. Sounds that's terrible.\n\nI'm after that. Sorry. Okay. Let me do that.\n\nChannel 0: And when you get to the bottom, there should be because\n\nChannel 1: 20\n\nChannel 0: it let's\n\nChannel 1: two\n\nChannel 0: you skip through all the documents. There's, like, a next document,\n\nChannel 1: seven.\n\nChannel 0: next document button.\n\nChannel 1: Yep. That's what I was hitting.\n\nChannel 0: And then at the back, it'll say validate, and it'll do a little loading circle and ask you to save a a signed copy for yourself.\n\nChannel 1: Last document. You're going to click to stop for some reason. It does assign two documents.\n\nChannel 0: Yeah. There's one for the super, one for the pension. And then\n\nChannel 1: Okay.\n\nChannel 0: after that, there'll be the tax file number and the lost super search. So it'll be four, and then it's pretty much skip everything else.\n\nChannel 1: Alright. What are you talking about? Alright. Text phone number. Authorization for lost signature.\n\nI'll note\n\nChannel 0: Yeah.\n\nChannel 1: and send.\n\nChannel 0: And then after that last one, it may do the spinning loading symbol for a little while\n\nChannel 1: Yep.\n\nChannel 0: depending\n\nChannel 1: That's\n\nChannel 0: on Internet\n\nChannel 1: what it's doing.\n\nChannel 0: connection. Beautiful. So I'll just wait a moment for that to pop through.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Just while that's loading, Brian, is there anything else I can do for you besides the Netwealth login?\n\nChannel 1: No. I think that's all pretty good. I think everything's supposed to be going okay. The\n\nChannel 0: So far,\n\nChannel 1: the account\n\nChannel 0: so\n\nChannel 1: that\n\nChannel 0: good.\n\nChannel 1: I'm pulling money out of doesn't seem to be losing any. So\n\nChannel 0: Yeah. And that's what we want is we want it to be growing enough to supplement what's coming out,\n\nChannel 1: that's it. So I'm not\n\nChannel 0: and\n\nChannel 1: losing\n\nChannel 0: that's ideal.\n\nChannel 1: any. And and the other said they're both increasing, which is good. Not\n\nChannel 0: Yep.\n\nChannel 1: as much as I was. I I've always been a a an\n\nChannel 0: High\n\nChannel 1: aggressive\n\nChannel 0: growth, high risk. Yep.\n\nChannel 1: high grade, high risk. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: But\n\nChannel 0: Alright.\n\nChannel 1: as I've\n\nChannel 0: That's\n\nChannel 1: been advised,\n\nChannel 0: come through.\n\nChannel 1: you know, at the moment, it's a bit better off. Alrighty.\n\nChannel 0: Yeah. And\n\nChannel 1: Hold\n\nChannel 0: we\n\nChannel 1: on.\n\nChannel 0: gotta be careful not to lose it all. But, hey, that signature's come through. It's looking pretty good, mate. So it's\n\nChannel 1: Cool.\n\nChannel 0: not not as drunk as you said. Alright, Brian. I'm gonna get the admin team onto that login fix for you straight away, work\n\nChannel 1: Yep.\n\nChannel 0: on that this week for you. If I come up with something for the portfolio, I'm gonna get them to call in to book in to go through the updated document to show you what I've come up with.\n\nChannel 1: Mhmm.\n\nChannel 0: If not, they'll just kind of let you know that I wasn't able to find anything, but I might just have a quick chat with you just to make sure you're you're happy with where it's at.\n\nChannel 1: Well, yep. Okay. That's sweet.\n\nChannel 0: Alright.\n\nChannel 1: Well, I'm\n\nChannel 0: Anything else\n\nChannel 1: it's\n\nChannel 0: you need, just\n\nChannel 1: yeah.\n\nChannel 0: let us know.\n\nChannel 1: Yep. I'm happy with whatever you guys, I think is the best place to put put the, you know, to invest in.\n\nChannel 0: Yeah. And so far, I don't think there's any need to, again, change super platforms at this point. Like, we do use quite a few. But\n\nChannel 1: Yep.\n\nChannel 0: I think there's one that I found that's, like, a tiny bit cheaper, but there's a bit of capital gains tax to move it across. Once\n\nChannel 1: Mhmm.\n\nChannel 0: you're in pension phase, that goes away as a problem anyway. So\n\nChannel 1: Yep.\n\nChannel 0: I don't there's nothing out there that I think would be a huge improvement on where you are.\n\nChannel 1: No. Sweet.\n\nChannel 0: Alright, Brian. Thanks so much for taking the time today, and I'll hopefully talk\n\nChannel 1: No.\n\nChannel 0: to you in a couple of weeks' time.\n\nChannel 1: Thank you very much.\n\nChannel 0: Awesome. Have a great day,\n\nChannel 1: Alright.\n\nChannel 0: mate. Thank you so\n\nChannel 1: Alright.\n\nChannel 0: much.\n\nChannel 1: Gotcha.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"This is Brian Smith.","start":1.8399999,"end":3.06,"sentiment":"neutral","sentiment_score":0.035802063532173634}],"sentiment":"neutral","sentiment_score":0.035802063532173634,"channel":1,"num_words":4,"start":1.8399999,"end":3.06},{"sentences":[{"text":"Good morning, Brian.","start":3.6799998,"end":4.48,"sentiment":"positive","sentiment_score":0.3587975601355235},{"text":"It's Tommy here, senior adviser at Oakview.","start":4.48,"end":6.3199997,"sentiment":"neutral","sentiment_score":0.26928665169647764},{"text":"How are you doing today?","start":6.3199997,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.28957338333129884}],"sentiment":"neutral","sentiment_score":0.29395107726256053,"channel":0,"num_words":15,"start":3.6799998,"end":7.3799996},{"sentences":[{"text":"I'm good.","start":7.52,"end":8.0,"sentiment":"positive","sentiment_score":0.5072673559188843},{"text":"Thank you.","start":8.0,"end":8.4,"sentiment":"positive","sentiment_score":0.631875067949295},{"text":"How are you going?","start":8.4,"end":9.139999,"sentiment":"positive","sentiment_score":0.3830772936344147}],"sentiment":"positive","sentiment_score":0.47632425278425217,"channel":1,"num_words":8,"start":7.52,"end":9.139999},{"sentences":[{"text":"I'm living the dream.","start":9.2,"end":10.16,"sentiment":"positive","sentiment_score":0.565106064081192},{"text":"It's a beautiful freezing cold wet day on the Gold Coast.","start":10.16,"end":12.559999,"sentiment":"positive","sentiment_score":0.4273207458582791},{"text":"What about your end?","start":12.559999,"end":13.635,"sentiment":"neutral","sentiment_score":0.11836826056241989}],"sentiment":"positive","sentiment_score":0.3912855527902904,"channel":0,"num_words":19,"start":9.2,"end":13.635},{"sentences":[{"text":"Good, Jacob.","start":13.785,"end":14.6050005,"sentiment":"neutral","sentiment_score":0.3028019219636917},{"text":"It's a lovely sunny day about 20 degrees.","start":14.665,"end":17.405,"sentiment":"positive","sentiment_score":0.4673459976911545},{"text":"Not a cloud in the sky.","start":18.505001,"end":19.965,"sentiment":"neutral","sentiment_score":0.06682038803895314},{"text":"Beautiful.","start":20.185,"end":20.685,"sentiment":"positive","sentiment_score":0.5165995955467224}],"sentiment":"neutral","sentiment_score":0.3095231617198271,"channel":1,"num_words":17,"start":13.785,"end":20.685},{"sentences":[{"text":"Beautiful.","start":21.555,"end":22.035,"sentiment":"positive","sentiment_score":0.5402810573577881},{"text":"Beautiful.","start":22.035,"end":22.435001,"sentiment":"positive","sentiment_score":0.5369982719421387},{"text":"Well, thank you for spending a few minutes with me this morning.","start":22.435001,"end":25.015,"sentiment":"positive","sentiment_score":0.5203573430577914}],"sentiment":"positive","sentiment_score":0.5229691032852445,"channel":0,"num_words":14,"start":21.555,"end":25.015},{"sentences":[{"text":"Yep.","start":25.145,"end":25.645,"sentiment":"neutral","sentiment_score":0.19273118674755096}],"sentiment":"neutral","sentiment_score":0.19273118674755096,"channel":1,"num_words":1,"start":25.145,"end":25.645},{"sentences":[{"text":"I was just gonna go through your annual review.","start":25.235,"end":27.494999,"sentiment":"neutral","sentiment_score":0.19805441631211174},{"text":"Beautiful.","start":28.900002,"end":29.400002,"sentiment":"positive","sentiment_score":0.4013369679450989},{"text":"So I have a bit of an email pack I'm gonna pop through to you.","start":29.460001,"end":33.46,"sentiment":"neutral","sentiment_score":0.1490255743265152},{"text":"Will you be able to look on to your emails with me today, or should I just walk you through what's coming through?","start":33.46,"end":38.2,"sentiment":"neutral","sentiment_score":0.09304008681489073}],"sentiment":"neutral","sentiment_score":0.13664859013321498,"channel":0,"num_words":48,"start":25.235,"end":38.2},{"sentences":[{"text":"Yep.","start":37.87,"end":38.11,"sentiment":"neutral","sentiment_score":0.0026852607261389494},{"text":"No.","start":38.11,"end":38.43,"sentiment":"neutral","sentiment_score":-0.04322144761681557},{"text":"I can log in.","start":38.43,"end":39.315,"sentiment":"neutral","sentiment_score":-0.02945783594623208},{"text":"I've","start":39.875,"end":40.035,"sentiment":"neutral","sentiment_score":0.0004774853587150574}],"sentiment":"neutral","sentiment_score":-0.022555720759555697,"channel":1,"num_words":7,"start":37.87,"end":40.035},{"sentences":[{"text":"Beautiful.","start":39.875,"end":40.375,"sentiment":"neutral","sentiment_score":0.12830926477909088}],"sentiment":"neutral","sentiment_score":0.12830926477909088,"channel":0,"num_words":1,"start":39.875,"end":40.375},{"sentences":[{"text":"got a question","start":40.035,"end":40.835,"sentiment":"neutral","sentiment_score":-0.00949715698758761}],"sentiment":"neutral","sentiment_score":-0.00949715698758761,"channel":1,"num_words":3,"start":40.035,"end":40.835},{"sentences":[{"text":"And","start":40.515,"end":40.835,"sentiment":"neutral","sentiment_score":-0.03366955369710922}],"sentiment":"neutral","sentiment_score":-0.03366955369710922,"channel":0,"num_words":1,"start":40.515,"end":40.835},{"sentences":[{"text":"for yeah.","start":40.835,"end":42.215,"sentiment":"neutral","sentiment_score":-0.01845051534473896},{"text":"I've","start":42.515,"end":42.754997,"sentiment":"neutral","sentiment_score":-0.003605850739404559}],"sentiment":"neutral","sentiment_score":-0.013502293809627494,"channel":1,"num_words":3,"start":40.835,"end":42.754997},{"sentences":[{"text":"Yeah, 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use quite a few.","start":1548.42,"end":1550.04,"sentiment":"neutral","sentiment_score":0.09259802209479469},{"text":"But","start":1550.18,"end":1550.68,"sentiment":"neutral","sentiment_score":0.1023133173584938}],"sentiment":"neutral","sentiment_score":0.06236587894650606,"channel":0,"num_words":26,"start":1542.5,"end":1550.68},{"sentences":[{"text":"Yep.","start":1550.47,"end":1550.97,"sentiment":"neutral","sentiment_score":0.11325009912252426}],"sentiment":"neutral","sentiment_score":0.11325009912252426,"channel":1,"num_words":1,"start":1550.47,"end":1550.97},{"sentences":[{"text":"I think there's one that I found that's, like, a tiny bit cheaper, but there's a bit of capital gains tax to move it across.","start":1550.875,"end":1556.1749,"sentiment":"neutral","sentiment_score":0.08988321110606194},{"text":"Once","start":1556.635,"end":1556.955,"sentiment":"neutral","sentiment_score":0.05241047590970993}],"sentiment":"neutral","sentiment_score":0.0884419520600484,"channel":0,"num_words":26,"start":1550.875,"end":1556.955},{"sentences":[{"text":"Mhmm.","start":1556.885,"end":1557.385,"sentiment":"neutral","sentiment_score":0.06878793239593506}],"sentiment":"neutral","sentiment_score":0.06878793239593506,"channel":1,"num_words":1,"start":1556.885,"end":1557.385},{"sentences":[{"text":"you're in pension phase, that goes away as a problem anyway.","start":1556.955,"end":1559.855,"sentiment":"neutral","sentiment_score":0.04354031790386547},{"text":"So","start":1560.075,"end":1560.395,"sentiment":"neutral","sentiment_score":0.03243957459926605}],"sentiment":"neutral","sentiment_score":0.042615255961815514,"channel":0,"num_words":12,"start":1556.955,"end":1560.395},{"sentences":[{"text":"Yep.","start":1560.3251,"end":1560.8251,"sentiment":"neutral","sentiment_score":0.06861802935600281}],"sentiment":"neutral","sentiment_score":0.06861802935600281,"channel":1,"num_words":1,"start":1560.3251,"end":1560.8251},{"sentences":[{"text":"I don't there's nothing out there that I think would be a huge improvement on where you are.","start":1560.395,"end":1564.38,"sentiment":"neutral","sentiment_score":-0.11785616270369953}],"sentiment":"neutral","sentiment_score":-0.11785616270369953,"channel":0,"num_words":18,"start":1560.395,"end":1564.38},{"sentences":[{"text":"No.","start":1564.005,"end":1564.505,"sentiment":"neutral","sentiment_score":-0.0957462191581726},{"text":"Sweet.","start":1565.285,"end":1565.785,"sentiment":"neutral","sentiment_score":0.24817004799842832}],"sentiment":"neutral","sentiment_score":0.07621191442012787,"channel":1,"num_words":2,"start":1564.005,"end":1565.785},{"sentences":[{"text":"Alright, Brian.","start":1566.78,"end":1567.34,"sentiment":"positive","sentiment_score":0.3527011126279831},{"text":"Thanks so much for taking the time today, and I'll hopefully talk","start":1567.34,"end":1570.3,"sentiment":"positive","sentiment_score":0.5925304989020029}],"sentiment":"positive","sentiment_score":0.5582691580057144,"channel":0,"num_words":14,"start":1566.78,"end":1570.3},{"sentences":[{"text":"No.","start":1570.08,"end":1570.58,"sentiment":"neutral","sentiment_score":0.06786945462226868}],"sentiment":"neutral","sentiment_score":0.06786945462226868,"channel":1,"num_words":1,"start":1570.08,"end":1570.58},{"sentences":[{"text":"to you in a couple of weeks' time.","start":1570.3,"end":1572.24,"sentiment":"neutral","sentiment_score":0.20613463781774044}],"sentiment":"neutral","sentiment_score":0.20613463781774044,"channel":0,"num_words":8,"start":1570.3,"end":1572.24},{"sentences":[{"text":"Thank you very much.","start":1572.32,"end":1573.5399,"sentiment":"positive","sentiment_score":0.7563161849975586}],"sentiment":"positive","sentiment_score":0.7563161849975586,"channel":1,"num_words":4,"start":1572.32,"end":1573.5399},{"sentences":[{"text":"Awesome.","start":1574.06,"end":1574.54,"sentiment":"positive","sentiment_score":0.8186759948730469},{"text":"Have a great day,","start":1574.54,"end":1575.1,"sentiment":"positive","sentiment_score":0.7588675618171692}],"sentiment":"positive","sentiment_score":0.7708292484283448,"channel":0,"num_words":5,"start":1574.06,"end":1575.1},{"sentences":[{"text":"Alright.","start":1575.0399,"end":1575.5399,"sentiment":"positive","sentiment_score":0.5882352590560913}],"sentiment":"positive","sentiment_score":0.5882352590560913,"channel":1,"num_words":1,"start":1575.0399,"end":1575.5399},{"sentences":[{"text":"mate.","start":1575.1,"end":1575.26,"sentiment":"positive","sentiment_score":0.4432373642921448},{"text":"Thank you so","start":1575.26,"end":1575.74,"sentiment":"positive","sentiment_score":0.691106379032135}],"sentiment":"positive","sentiment_score":0.6291391253471375,"channel":0,"num_words":4,"start":1575.1,"end":1575.74},{"sentences":[{"text":"Alright.","start":1575.6,"end":1576.1,"sentiment":"positive","sentiment_score":0.441079318523407}],"sentiment":"positive","sentiment_score":0.441079318523407,"channel":1,"num_words":1,"start":1575.6,"end":1576.1},{"sentences":[{"text":"much.","start":1575.74,"end":1576.24,"sentiment":"positive","sentiment_score":0.5800638794898987}],"sentiment":"positive","sentiment_score":0.5800638794898987,"channel":0,"num_words":1,"start":1575.74,"end":1576.24},{"sentences":[{"text":"Gotcha.","start":1576.24,"end":1576.74,"sentiment":"neutral","sentiment_score":0.18912850320339203}],"sentiment":"neutral","sentiment_score":0.18912850320339203,"channel":1,"num_words":1,"start":1576.24,"end":1576.74},{"sentences":[{"text":"Bye.","start":1577.18,"end":1577.68,"sentiment":"neutral","sentiment_score":-0.11628736555576324}],"sentiment":"neutral","sentiment_score":-0.11628736555576324,"channel":0,"num_words":1,"start":1577.18,"end":1577.68}]},"summary":{"result":"success","short":"A senior adviser from Oakview named Tommy called Brian Smith to discuss his annual review and retirement savings. They updated his address, home equity, and retirement savings, and discussed the retirement savings and home equity. The speaker provided an estimate of their income and discussed their employment and retirement status. They also discussed the risks and returns of their investment portfolio and the possibility of selling their old stock. The speaker emphasized the importance of maintaining their retirement plans and updating them regularly, and emphasized the importance of keeping their retirement plans in place and updating them. They also discussed fees and documents related to their company's review and mentioned a lost super search and lost super search."},"intents":{"segments":[{"text":"So I have a bit of an email pack I'm gonna pop through to you. Will you be able to look on to your emails with me today, or should I just walk you through what's coming through? Yep.","start_word":88,"end_word":126,"intents":[{"intent":"Schedule email","confidence_score":0.000037771515}]},{"text":"I can't log in to my account. Okay. It So comes should up we with do I gotta log in, then it comes up with the next screen saying, we'll send you a a pass you know, a coded number, yep. but I don't get the coded number. Perfect.","start_word":339,"end_word":387,"intents":[{"intent":"Fix account issue","confidence_score":0.048996802}]},{"text":"65 I've is only got a that couple of years. So, yeah, I think maybe Yeah. a couple more years for them to come to fruition. So I think it is the cream on the top. Yeah.","start_word":676,"end_word":712,"intents":[{"intent":"Record purchase decisions","confidence_score":0.0000013293973}]},{"text":"I'll put that 31,000 in there just as a bit of a conservative estimate for the 600 a week just for your current employment income. Yep.","start_word":1431,"end_word":1456,"intents":[{"intent":"Calculate retirement income","confidence_score":0.0896377}]},{"text":"your other option is that if the taxes aren't gonna be too big of a deal is you could possibly put it in as a non concessional contribution to super so there's no tax fee dependents when they receive it. Alright.","start_word":2021,"end_word":2061,"intents":[{"intent":"Update options","confidence_score":0.0018994572}]},{"text":"Now one thing I wanted to broach with you, Brian, is for the investments inside the super, there's still a decent amount of growth assets in terms of shares inside the portfolio. I can look at our more up to date conservative portfolios and see if maybe I can make it even safer and maybe try and get a slightly better return out of it if you want me to go see what I can come up with.","start_word":2558,"end_word":2635,"intents":[{"intent":"Recommend investment options","confidence_score":0.00065856404}]},{"text":"So you just tighten my belt as far as how much I wanna pull out. Yeah. Pretty much.","start_word":2885,"end_word":2902,"intents":[{"intent":"Optimize portfolio performance","confidence_score":0.00717434}]},{"text":"do you want me to just kind of pencil in for that twelve monthly review?","start_word":3033,"end_word":3047,"intents":[{"intent":"Schedule review","confidence_score":0.2074555}]},{"text":"Do you want me to touch base with you more frequently? What would you be your preference?","start_word":3047,"end_word":3063,"intents":[{"intent":"Touch base","confidence_score":0.12505393}]},{"text":"So, look, if anything does change, just give us a buzz, and we can adjust things. But I'll just make sure that we touch base at least every twelve months So until I think every we get call to that must pension is pay. fine.","start_word":3156,"end_word":3200,"intents":[{"intent":"Adjust tasks","confidence_score":0.03974257}]},{"text":"So inside that purple button to do the signing, it'll bring up all the documents for you to review.","start_word":3245,"end_word":3263,"intents":[{"intent":"Provide documents","confidence_score":0.047737017}]},{"text":"So I'll make sure I flag that once all the paperwork's all drawn up, and we've got annual agreements in place for that next review as well. Mhmm.","start_word":3368,"end_word":3395,"intents":[{"intent":"Flag documents","confidence_score":0.031304307}]},{"text":"Two other pieces of documents that are kind of new is there's a bit of a tax file number opt in there because there was a lot of cybersecurity issues in Australia last year. We just wanna make sure that we can get your consent to hold your tax file number on one document rather than five digital systems.","start_word":3395,"end_word":3453,"intents":[{"intent":"Get consent to hold tax file number","confidence_score":0.07522657}]},{"text":"just do that as a bit of background check just in case. Yep.","start_word":3539,"end_word":3551,"intents":[{"intent":"Provide background check","confidence_score":0.306949}]},{"text":"I did a consolidation years ago when I had a few different things happen. Yeah.","start_word":3622,"end_word":3636,"intents":[{"intent":"Consolidate and check account","confidence_score":0.00003094361}]},{"text":"So I'll do a bit of a check on the portfolio side of things. I'm not gonna rebalance anything between your two accounts at this point. I'm just gonna keep letting it grow until we need to adjust your income.","start_word":3639,"end_word":3678,"intents":[{"intent":"Adjust income","confidence_score":0.44997182}]},{"text":"I'm not gonna rebalance anything between your two accounts at this point. I'm just gonna keep letting it grow until we need to adjust your income.","start_word":3653,"end_word":3678,"intents":[{"intent":"Rebalance assets","confidence_score":0.0029410098}]},{"text":"I'm just trying to sign this document. So I gotta concentrate with this.","start_word":3711,"end_word":3723,"intents":[{"intent":"Concentrate on document","confidence_score":0.001328169},{"intent":"Instruct to sign document","confidence_score":0.000004646583}]},{"text":"The So far, the account so that good. I'm pulling money out of doesn't seem to be losing any. So Yeah.","start_word":4033,"end_word":4053,"intents":[{"intent":"Manage account finances","confidence_score":0.031521063}]},{"text":"I'm happy with whatever you guys, I think is the best place to put put the, you know, to invest in. Yeah.","start_word":4287,"end_word":4308,"intents":[{"intent":"Explore investment options","confidence_score":0.002946266}]}]},"sentiments":{"segments":[{"text":"This is Brian Smith.","start_word":0,"end_word":3,"sentiment":"neutral","sentiment_score":0.03693569824099541},{"text":"Good morning, Brian.","start_word":4,"end_word":6,"sentiment":"positive","sentiment_score":0.36810070276260376},{"text":"It's Tommy here, senior adviser at Oakview. How are you doing today?","start_word":7,"end_word":18,"sentiment":"neutral","sentiment_score":0.28679242730140686},{"text":"I'm good. Thank you. How are you going? I'm living the dream. It's a beautiful freezing cold wet day on the Gold Coast.","start_word":19,"end_word":41,"sentiment":"positive","sentiment_score":0.47489145398139954},{"text":"What about your end? Good, Jacob.","start_word":42,"end_word":47,"sentiment":"neutral","sentiment_score":0.20885151624679563},{"text":"It's a lovely sunny day about 20 degrees.","start_word":48,"end_word":55,"sentiment":"positive","sentiment_score":0.4494234323501587},{"text":"Not a cloud in the sky.","start_word":56,"end_word":61,"sentiment":"neutral","sentiment_score":0.06328187882900238},{"text":"Beautiful. Beautiful. Beautiful. Well, thank you for spending a few minutes with me this morning.","start_word":62,"end_word":76,"sentiment":"positive","sentiment_score":0.5137432813644409},{"text":"Yep. I was just gonna go through your annual review.","start_word":77,"end_word":86,"sentiment":"neutral","sentiment_score":0.19749733805656433},{"text":"Beautiful.","start_word":87,"end_word":87,"sentiment":"positive","sentiment_score":0.4013369679450989},{"text":"So I have a bit of an email pack I'm gonna pop through to you. Will you be able to look on to your emails with me today, or should I just walk you through what's coming through? Yep. No. I can log in. Beautiful. I've got a question And for yeah. Yeah, I've mate. got a Brett, question go for it. for you. I got I got a a message on my phone saying a new device was signed in to my account, and my details have been changed Details have been this changed. this Needs morning. advice. Yeah. Yes. We did a our staff updated your address to, Okay. yeah, updated your address on the account, which we can do online pretty easily. Yep. Speaking Yep. of which, I'll just grab your date of birth and address for security if that's alright. Yep. Date of birth is ninth of the second nineteen sixty three. Perfect. And so we'll go on the address. Yes. 35 Oldbrow Road, Hornsby 2877. Perfect. Perfect. Yeah. So when Michelle got you booked in for your review, she updated the address on Netwealth there just to match Yep. over our Right. road. I thought you already had it there for one, not just the other Yeah. one. Absolutely. And I've got the old one there as Dural Dural Street, Hornsby. Yep. It was a unit. That Yep. was the old one. Yes. Okay. Perfect. Cool. Perfect. Alrighty. Alright. Now Outside of that, go for it.","start_word":88,"end_word":338,"sentiment":"neutral","sentiment_score":0.03024392364272083},{"text":"I can't log in to my account.","start_word":339,"end_word":345,"sentiment":"negative","sentiment_score":-0.3350810110569},{"text":"Okay. It So comes should up we with do I gotta log in, then it comes up with the next screen saying, we'll send you a a pass you know, a coded number, yep. but I don't get the coded number.","start_word":346,"end_word":386,"sentiment":"neutral","sentiment_score":-0.04674272984266281},{"text":"Perfect.","start_word":387,"end_word":387,"sentiment":"positive","sentiment_score":0.3920815587043762},{"text":"So it's the old two factor authentication that's trapping Yeah. you at the moment. Yeah. Definitely Alrighty. the number doesn't come through to my phone. So Alrighty. I'm sort of logged I'm sort of stuck at being out of my account. Alright. So we got the two factor code not coming through the phone.","start_word":388,"end_word":441,"sentiment":"neutral","sentiment_score":-0.08344799280166626},{"text":"Cool. I'll get Michelle to have a look at that with Netwealth Perfect. and see if Excellent.","start_word":442,"end_word":458,"sentiment":"positive","sentiment_score":0.405966579914093},{"text":"we can get that reset for you. Alright. I'm just getting my emails Perfect. And, Brian, just while you're doing that with our new system, I'm just gonna cross reference the details up. just to make sure it's all correct because we've moved all of our clients across and kind of custom built a system for ourselves.","start_word":459,"end_word":515,"sentiment":"neutral","sentiment_score":0.2726396918296814},{"text":"Fantastic for tracking tasks and everything. Just wanna make sure Yep. it's all up to date.","start_word":516,"end_word":531,"sentiment":"positive","sentiment_score":0.5132817029953003},{"text":"Mhmm. The main thing I'm looking at in terms of advice and goals and everything was you've got this transition pension going on, which is kind of supplementing your income, Yes. and you're looking at possibly hanging up the boots at maybe 65 and doing Yep. a bit of a combination between the super, and I believe you've got a lot of shares there as well. Not a lot. I just sell a fair few. So they're still on the side at the moment of shares, I guess. And, you know, Yep. they're they're not doing Will much. we be factoring those into that retirement outcome at 65, or should we just kind of, like, keep the super growing, keep supplementing the income, and then they'll come in a little bit later? I'm thinking that would come in a bit later. Yep. While $20.65 I've is only got a that couple of years. So, yeah, I think maybe Yeah. a couple more years for them to come to fruition.","start_word":532,"end_word":700,"sentiment":"neutral","sentiment_score":0.023140632795423447},{"text":"So I think it is the cream on the top. Yeah. Perfect. And hopefully because what I was looking at, those webjets and mining and lithium there. Hopefully, those are gonna get some good growth, and hopefully, they did last year as well.","start_word":701,"end_word":743,"sentiment":"positive","sentiment_score":0.4080232381820678},{"text":"Well, we were all those. I I sold all those. Okay. So can I just get just a quick updated value on what's left over in terms of share value? It definitely wouldn't Just be seven trying 100 to thousand. oh, no. No. I I sold a fair bit when I bought into this house now where I'm living. Yep. So we got out of renting because I was renting before at Jewel Street. So now I'm bored Good into move. this house, so I sold a fair bit. So I've only got the left. K. And, And I had to sell some of those anyway as well. So it's probably, I don't know, a couple 100,000 or something maybe. Yep. I can just Not put sure that what as the an estimate. RPOs are worth these days. And I'm gonna If do you got a a quick minute, check I can of have a look. yeah. No. That's fine. The property value so I'm just doing a quick updated online check. It's looking like it's 1 0.3. You think that's okay to put down for asset value? Alright. Well, I got a third of that. So Third. Third of that. Third. And what would be your loan value leftover for your portion? I didn't have No loans just bought outright with the shares and everything? a loan. Yep. Okay.","start_word":744,"end_word":973,"sentiment":"neutral","sentiment_score":-0.02868529222905636},{"text":"Perfect.","start_word":974,"end_word":974,"sentiment":"positive","sentiment_score":0.3720987141132355},{"text":"That's why I had my shares full house. My whole thing of my shares. So I thought, well, that's look at the opportunity.","start_word":975,"end_word":997,"sentiment":"neutral","sentiment_score":0.25860217213630676},{"text":"Well, I'm glad that that you got it into a property from them. That's probably one of the best outcomes to see is Yep. selling them off to get an asset behind you, which is fantastic. No renovations or anything on the go for that property. Is it all pretty well set? Perfect.","start_word":998,"end_word":1050,"sentiment":"positive","sentiment_score":0.5480571029321203},{"text":"Are you still working as a lift technician on about 50 or Yep. No. 40 to 50 No. Just doing installment. Delivery driver, so Storm and sort of thing. thousand? Yep. And the the pension that's coming out to you from your super, how are you Yep. finding cash flow wise? Is it okay? Yeah. I think it's just working out fine. So I'm only doing I only work three days a week now. Yep. Okay. Three days a week.","start_word":1051,"end_word":1130,"sentiment":"neutral","sentiment_score":0.05939412489533424},{"text":"Fantastic.","start_word":1131,"end_word":1131,"sentiment":"positive","sentiment_score":0.49186721444129944},{"text":"Yeah. It's a bit of So I'm only doing three a slowdown. days a week. I get about $30 an hour. So I'm taking a fair cut in in that so that with the extra couple 100 I'm getting with that pension thing, that's that's working out pretty good.","start_word":1132,"end_word":1180,"sentiment":"neutral","sentiment_score":0.16088636219501495},{"text":"Perfect.","start_word":1181,"end_word":1181,"sentiment":"positive","sentiment_score":0.3775396943092346},{"text":"Perfect. Any need to adjust that at all? Not not at the moment. K. Not at the moment, but yeah. I was just sitting down the track. When I when I first started all this with you guys, we're looking at when I have when I retire getting a a an income of something like that. I think it was $50 a year or something. Yeah. It was about 600 a week is what Is I've that got what's noted still down. down there, is it? Did you still got that in your in your paper or something on your records? Yeah. Or Yep. It was basically transitioning between now for that couple of 100 to supplement yep. the income and then about Yep. 600 a week net of Yep. tax after Yep. 65. After Yep. So 60 that's probably 5 net what of tax. yeah. That's probably will be fine. Perfect. That's And probably with that's the about income, what I'm getting, you know, with this net at the moment. It could it's be about that. 600 a week at the moment. Yeah. Probably between the 2. Okay. And 600 a week after tax or before tax is what you're getting? Well, with my work, I don't get there's hardly any tax. I'm I'm almost Yeah. I'm on the threshold. You know what I mean? Absolutely. I get sometimes sometimes a couple of bucks, sometimes it's $40, depends if I do it in a couple extra hours.","start_word":1182,"end_word":1429,"sentiment":"neutral","sentiment_score":-0.006160767963240599},{"text":"Perfect. I'll put that 31,000 in there just as a bit of a conservative estimate for the 600 a week just for your current employment income.","start_word":1430,"end_word":1455,"sentiment":"positive","sentiment_score":0.4258595108985901},{"text":"Yep. And is it are you doing that with Uplift Elevators, or did you change Yes. employers? No. Yep. I believe that is. Sensational. Estate planning wise, just quickly on that one, we've got three beneficiaries noted for the super and the pension, Trevor, Michelle, and Nicole. Yes. Sorry. 30 Yes. five, That's gonna 30 be correct. five, thirty Yep. percent. Okay. Any changes needed there, or are you happy to keep that one going? No. I skipped that one. I don't think Perfect. Alrighty. Did you end up getting, like, a will and a power of attorney put in place there, No. Brian? I haven't yet. No. I kept thinking about it, but I don't know. It's one of those ones. It's always back of minds, and it's like who's Yep. got the time to do it too. Yeah. And we'll see who to do it for you. Whatever. Yep. Yeah. I get you. Easy done. And, obviously, no insurances or anything because it's all pretty much pension phase at this point, and you've got Yep. enough in assets to to carry you through. No. Super's gone up to over 400,000 now, so some good news for you is market That's took a good. bit of a tumble, but even with the the pension that came out of the TTR pension, it's grown a couple of grand on Yep. top of what came out, and then Yep.","start_word":1456,"end_word":1693,"sentiment":"neutral","sentiment_score":0.036769711389010695},{"text":"the supers bumped up another $15 as well.","start_word":1694,"end_word":1701,"sentiment":"positive","sentiment_score":0.3924753367900848},{"text":"So So yeah. I'm looking Okay. at I'm just gonna go in and get some updated figures for you for today. Yep.","start_word":1702,"end_word":1723,"sentiment":"neutral","sentiment_score":0.1769637167453766},{"text":"That'd be Now good because you're I in a pretty yeah.","start_word":1724,"end_word":1734,"sentiment":"positive","sentiment_score":0.42266809940338135},{"text":"Because you so don't have the access. I'll get Michelle into that straight away. so yeah. So my my shares are nearly well, $140 at the moment. Yep. Okay.","start_word":1735,"end_word":1763,"sentiment":"neutral","sentiment_score":0.26728352904319763},{"text":"So you can you can put that down whenever you wanna.","start_word":1764,"end_word":1774,"sentiment":"positive","sentiment_score":0.343289315700531},{"text":"Now one of the things to to keep in mind too is because when you're getting to that 65, we're gonna convert all of the super over into this account based pension. And when it's in pension phase, everything is tax free. The earnings are tax free. The income you draw down is tax Hang free. on a sec. Excuse me, ma'am. Yeah. You're right. Alright. I'm back. You there? Yeah. I've got you. Can you hear me alright? Yep. Sorry. I just had to do the push the button thing to get into my emails. Yeah. No. That's alright. So What I'm thinking okay. of, when you go into pension phase, let's say '65, Yep. you're in a pretty tax free environment. Everything it earns in returns is tax free, and everything you withdraw is tax free as well. Okay. Now with the shares, the options for disposal are Uh-huh. pretty much two two main options. Because Alright. you've got full access to super at that point, let's say you sell them and you Yep. do up like a capital gain. Yep. You can concessionally contribute that into the super to drop the taxes down and then pull it back out again if you need it. Okay. I've I've The got a fair capital loss running at the moment with other okay. shares I've sold over the years. So So we'll have to be careful that when you do dispose of them because yep. your other option is that if the taxes aren't gonna be too big of a deal is you could possibly put it in as a non concessional contribution to super so there's no tax fee dependents when they receive it. Alright. So those two options is pretty much what I'll explore with you in a few years' time. But I just wanted to Okay. let you know that we'll pretty much Right. have to bounce between the two and check Uh-huh. the capital gains when you go to dispose of them. Right. So when yeah. Okay. So when I'm thinking of selling, I should hook up with you guys and talk through it. Yeah. Just give us a bell. I'll walk you through Yep. the options. We'll see what Yep. the gains look like, and then we'll just see which one's gonna work out best for you. Yep.","start_word":1775,"end_word":2167,"sentiment":"neutral","sentiment_score":0.07858537369746592},{"text":"Cool. Too easy.","start_word":2168,"end_word":2170,"sentiment":"positive","sentiment_score":0.4217214286327362},{"text":"Now when it comes to your risk profile, because you're in this transition phase and you're about to retire in a few years, Yep. everything is in a pretty defensive portfolio. Yep. So, again, it's pretty much trying to mimic returns just above cash. So, you know, what you Yep. would get in savings above that. Yeah. It's obviously been a bit of a low year with the markets going down, so it's still positive two to 4%, but it's not that six or seven that you would normally get Mhmm. in a good year. Yep. Yep. Are you comfortable just to kind of keep maintaining a pretty safe risk level? I think so. I think Yep. so. It's still going up every. Was was it have you got what it is between the two accounts I've got going? Yes. You I know, what do. what's my overall amount I have now? So so we've got I'll just add them up. We've got $1.67 in the super from $1.50, and then we've got $2.37 in the pension. So $4.00 5 is what you've got currently plus the shares. Oh, yeah. Now you pretty much need between 3 to 600,000 for that retirement goal. So Yep. 300,000 would be the the lower end where Mhmm. it would last about twenty to twenty five years, whereas Yep. 600,000 is it wouldn't deplete at all. Yep.","start_word":2171,"end_word":2403,"sentiment":"neutral","sentiment_score":0.09363721873883014},{"text":"So we're in those last few periods of getting a little bit of contributions and growth out of it, maybe end up with $4.50, 500, whatever it is, but you're pretty much smack bang on track for the goal.","start_word":2404,"end_word":2442,"sentiment":"positive","sentiment_score":0.4977224171161651},{"text":"And then with the house there plus the shares, you've Yep.","start_word":2443,"end_word":2453,"sentiment":"neutral","sentiment_score":0.25744378566741943},{"text":"pretty much got the trifecta. That's what I was thinking now. Now now that I've got the house, it cuts a a hell of a lot of bills down.","start_word":2454,"end_word":2482,"sentiment":"positive","sentiment_score":0.4341057538986206},{"text":"Oh, I can imagine. So The rents so it just have makes gone up pretty crazy. yep. So, yeah, it's just, like, all the overheads are gone now. So living lives a lot cheaper. Well, Yep. you're not counting on overseas holidays. That's fine. Anything else planned in the next few years that I should account for? No. Not really. Just taking it. U by u. Whatever. See what comes in there. Nothing Beautiful. planned. Now one thing I wanted to broach with you, Brian, is for the investments inside the super, there's still a decent amount of growth assets in terms of shares inside the portfolio. I can look at our more up to date conservative portfolios and see if maybe I can make it even safer and maybe try and get a slightly better return out of it if you want me to go see what I can come up with. It's doing pretty well at the moment, but I can make it that one peg safer, maybe get a slightly better return. What if we can get a better return? I'm I'm I'm I'm up for it. Yep. I And still if want it to it's keep gonna on be growing. Like I said, if it keeps on growing, then that's that's that's the main thing. yeah. Yep. So the the only risk you gotta consider, so we'll keep focusing on growth. If I find something that's safer, but it's not a better return, like, I don't get the best both worlds, I'm not gonna change anything. We'll just keep it as is. But Yep. just bear in mind that worst case scenario, if we go through a global financial crisis, Yep. you probably do stand to see that drop maybe 20% in the worst case, Right. you know, Right. full market meltdown. And Mhmm. even so, you would still be able to keep retiring with that level of volatility anyway, but it may be Yep. a thing where it's like, if you want to at the time, maybe you delay retirement by a year just to let it bounce back a little bit before you start drawing that much down. Or you Yep. draw that much down and you just understand that there's a bit of a sequencing risk where market's going down and you're pulling funds out, so Yep. it slows it down a bit more. Yep. So you just tighten my belt as far as how much I wanna pull out. Yeah. Pretty much. So If we work if it's with you on adjusting that regularly. yep. If if that's, you know, come to fruition. Yep. Yep. Yeah. I understand all that.","start_word":2483,"end_word":2930,"sentiment":"neutral","sentiment_score":0.018204810014659806},{"text":"Perfect.","start_word":2931,"end_word":2931,"sentiment":"positive","sentiment_score":0.5542457103729248},{"text":"Now when we do hit that 65, obviously, we're gonna look at that full transition to pension phase, maybe wind down the shares, and we'll probably meet possibly even every three to six months just to check-in on Yep. how it's going and and what you need income wise. But once you get to that point, it's full access. So if you go, hey, Matt. I need $10 for a car or something. You Yep. can pull that out as long as Okay. we don't go overboard with it. Yep. Sweet. In between That's now that's and then, good. Yep. do you want me to just kind of pencil in for that twelve monthly review? Do you want me to touch base with you more frequently? What would you be your preference? 12 monthly is fine. I'm just thinking we're I don't think I need six monthly for any reason. Not Yep. much has changed, and I'm still so I work for my nephew, so I'm sort of locked in there. But Yep. I'm not gonna I shouldn't be losing my job in a hurry. I Hopefully. upset him, but he he upsets me, so it works both ways.","start_word":2932,"end_word":3130,"sentiment":"neutral","sentiment_score":0.08921491222025536},{"text":"It evens out in the end. This is what family's all for, so it's Yeah. a little bit flexible in that in that way. Cool.","start_word":3131,"end_word":3155,"sentiment":"positive","sentiment_score":0.5121976137161255},{"text":"So, look, if anything does change, just give us a buzz, and we can adjust things. But I'll just make sure that we touch base at least every twelve months So until I think every we get call to that must pension is pay. fine. Yeah. Yep. Yep. Okay. Unless something drastic happens in the market, and you wanna when things go wrong. But so, Yeah. yep. I've got got my emails up, and there's this thing in here from out of you from you. Yeah. Is it Tommy? So inside that purple button to do the signing, it'll bring up all the documents for you to review. Yep. And what you've basically got in there is all of your assets in the super. That's four pages. Then all of your assets Mhmm. in your pension. We've got an updated services guide with us, a couple of service agreements there because you're on the the discounted fee, the 1.1%, so the 1.65, and that's Mhmm. for the two accounts averaged off. I will let you know as well, serving the guys that are bringing in a bit of a tiered fee structure next year. So everyone Yep. above 200,000 will start to get some discounts in about twelve months' time. K. So I'll make sure I flag that once all the paperwork's all drawn up, and we've got annual agreements in place for that next review as well. Mhmm. Two other pieces of documents that are kind of new is there's a bit of a tax file number opt in there because there was a lot of cybersecurity issues in Australia last year. We just wanna make sure that we can get your consent to hold your tax file number on one document rather than five digital systems. So we just wanna make sure you're comfortable because we obviously we use that for the super and the pension. Yep. I guess so. Yep. And the only other thing was there's a bit of a lost super search, which isn't really that important, but we do always ping the government system just to see if there's anything Yep. else that's been floating around that we don't know about as a one off check. So we've got access to to ping SuperStream. So we Yep. just do that as a bit of background check just in case. Yep. We've got a lot of oxy bees and super whatever my oh, no. My company should be giving it straight to you guys. Yeah. All the contributions are going into Netwealth that I can see. And So if yep. there was anything floating out there after Shouldn't eighteen be. months, they close it down anyway, and Yep. the government tends to move it across to your active account. Yep. No. I did a consolidation years ago when I had a few different things happen. Yeah. Yeah. Alright. So I'll do a bit of a check on the portfolio side of things. I'm not gonna rebalance anything between your two accounts at this point. I'm just gonna keep letting it grow until we need to adjust your income. Because if I piled all of your super into that pension account, that minimum is gonna push up how much you have to pull out of it. So hang on one second. I'm just trying to sign this document. So I gotta concentrate with this. That's alright, mate. Take your time. The buttons will bring you to the spots. Those purple buttons Oh, I'm will take down there. just I was pop just it trying there. to use the the the signage thing with the the cursor. Oh, yeah. Chore it with You a mouth. know what I mean? Not Trying always to draw easy. it like a little kid. Yep. It all comes Oh, full it's terrible. circle. Oh, they are the head drunk. Oh, no one. Oops. I really canceled that one.","start_word":3156,"end_word":3812,"sentiment":"neutral","sentiment_score":0.0704248527198168},{"text":"Sounds that's terrible.","start_word":3813,"end_word":3815,"sentiment":"negative","sentiment_score":-0.51343834400177},{"text":"I'm after that. Sorry. Okay. Let me do that. And when you get to the bottom, there should be because 20 it let's two you skip through all the documents. There's, like, a next document, seven. next document button. Yep. That's what I was hitting. And then at the back, it'll say validate, and it'll do a little loading circle and ask you to save a a signed copy for yourself. Last document. You're going to click to stop for some reason. It does assign two documents. Yeah. There's one for the super, one for the pension. And then Okay. after that, there'll be the tax file number and the lost super search. So it'll be four, and then it's pretty much skip everything else. Alright. What are you talking about? Alright. Text phone number. Authorization for lost signature. I'll note Yeah. and send. And then after that last one, it may do the spinning loading symbol for a little while Yep. depending That's on Internet what it's doing. connection.","start_word":3816,"end_word":3985,"sentiment":"neutral","sentiment_score":0.02819216251373291},{"text":"Beautiful.","start_word":3986,"end_word":3986,"sentiment":"positive","sentiment_score":0.43537378311157227},{"text":"So I'll just wait a moment for that to pop through. Yep. Yep. Just while that's loading, Brian, is there anything else I can do for you besides the Netwealth login? No.","start_word":3987,"end_word":4018,"sentiment":"neutral","sentiment_score":0.15045446157455444},{"text":"I think that's all pretty good. I think everything's supposed to be going okay. The So far, the account so that good.","start_word":4019,"end_word":4040,"sentiment":"positive","sentiment_score":0.4381210505962372},{"text":"I'm pulling money out of doesn't seem to be losing any. So Yeah. And that's what we want is we want it to be growing enough to supplement what's coming out, that's it. So I'm not and losing that's ideal. any. And and the other said they're both increasing, which is good. Not Yep. as much as I was. I I've always been a a an High aggressive growth, high risk. Yep. high grade, high risk. Yep. Yeah. But Alright. as I've That's been advised, come through. you know, at the moment, it's a bit better off. Alrighty. Yeah. And Hold we on. gotta be careful not to lose it all.","start_word":4041,"end_word":4151,"sentiment":"neutral","sentiment_score":0.026312207361590956},{"text":"But, hey, that signature's come through. It's looking pretty good, mate. So it's Cool.","start_word":4152,"end_word":4165,"sentiment":"positive","sentiment_score":0.4784674048423767},{"text":"not not as drunk as you said. Alright, Brian. I'm gonna get the admin team onto that login fix for you straight away, work Yep.","start_word":4166,"end_word":4190,"sentiment":"neutral","sentiment_score":0.17588382959365845},{"text":"on that this week for you.","start_word":4191,"end_word":4196,"sentiment":"positive","sentiment_score":0.3469769060611725},{"text":"If I come up with something for the portfolio, I'm gonna get them to call in to book in to go through the updated document to show you what I've come up with. Mhmm. If not, they'll just kind of let you know that I wasn't able to find anything, but I might just have a quick chat with you just to make sure you're you're happy with where it's at. Well, yep. Okay.","start_word":4197,"end_word":4270,"sentiment":"neutral","sentiment_score":0.12576954066753387},{"text":"That's sweet.","start_word":4271,"end_word":4272,"sentiment":"positive","sentiment_score":0.3572753667831421},{"text":"Alright. Well, I'm Anything else it's you need, just yeah. let us know. Yep.","start_word":4273,"end_word":4286,"sentiment":"neutral","sentiment_score":0.13488082587718964},{"text":"I'm happy with whatever you guys, I think is the best place to put put the, you know, to invest in.","start_word":4287,"end_word":4307,"sentiment":"positive","sentiment_score":0.3512175977230072},{"text":"Yeah. And so far, I don't think there's any need to, again, change super platforms at this point. Like, we do use quite a few. But Yep. I think there's one that I found that's, like, a tiny bit cheaper, but there's a bit of capital gains tax to move it across. Once Mhmm. you're in pension phase, that goes away as a problem anyway. So Yep. I don't there's nothing out there that I think would be a huge improvement on where you are. No. Sweet.","start_word":4308,"end_word":4394,"sentiment":"neutral","sentiment_score":0.03476823309714767},{"text":"Alright, Brian. Thanks so much for taking the time today, and I'll hopefully talk No.","start_word":4395,"end_word":4409,"sentiment":"positive","sentiment_score":0.4562819302082062},{"text":"to you in a couple of weeks' time.","start_word":4410,"end_word":4417,"sentiment":"neutral","sentiment_score":0.2203594595193863},{"text":"Thank you very much. Awesome. Have a great day, Alright. mate. Thank you so Alright. much.","start_word":4418,"end_word":4433,"sentiment":"positive","sentiment_score":0.6505100131034851},{"text":"Gotcha. Bye.","start_word":4434,"end_word":4435,"sentiment":"neutral","sentiment_score":0.18889939785003665}],"average":{"sentiment":"neutral","sentiment_score":0.09343097655023357}}}}