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Good to hear. Hasn't been chopping and changing a lot in Melbourne, has it? Good to hear. Good to hear. I'm just giving you a call to go through your annual review. Perfect. Now before I get started, are you okay for this call to be recorded? Amazing. And just for the security of your details before I send out your pack to your email address, could I please confirm your date of birth and address? Mhmm. Amazing. Thank you so much for that. I have your Gmail address ready to go. Are you okay for me to send your annual review pack to that address? Perfect. And will you be able to look on to it with me today, or do you want me to just kind of walk you through the documents? Yep. That would be no worries at all. I'm gonna bring up your, Hub twenty four account and your details with us, do a bit of an update. Is there anything in particular you would like to get out of this review? Perfect. So we'll do a bit of a general update on everything and see how it's looking, if we need to update any strategies, but nothing in particular that's been burning on your mind. Yep. Now you did have a few goals noted down previously about building your deposit up for that house purchase. How'd you end up going? Did you did you build up I think you had 70,000 in in savings last time we checked. Have you built that up to be more? Amazing. And how was the bank looking for serviceability and and purchase price? Absolutely. And I think last time, you still had, like, a a managed fund with Colonial that was kind of growing in the background as well. I'm assuming they took that into account. Yeah. Awesome. And can I just quickly, for the records, note down what that balance would be sitting out for the Colonial account? Okay. So 77,000 in investment and another 77 in cash savings? Yep. Yeah. So hitting the $100,000 mark, well done. Perfect. Perfect. So does it look pretty likely that you're gonna get a place in the next twelve months? What's what's it looking like? Perfect. Now can I just quickly check with you because I'm a little bit worried about the markets at the moment? When it comes to your colonial investments, do you have them in anything high risk that could crash and affect your deposit? Like, is it sitting in shares, ETFs? Is it in something safer? Just to make sure the capital is preserved to use. That's okay. I just wanted to put that thought in your mind just in case if you had a bunch of, you know, international shares, ETFs, and all of a sudden they lose 30% because the stock market crashes just before you wanna pull that out for a deposit. Do you at all recall any of the investment options? Were you in, like, a Vanguard high growth or anything like that come to mind? That is totally fine. Do you mind after this review if I touch base with you in a few weeks just to follow that up because I don't want you to lose out on purchasing a house if there's anything risky there in the colonial. Would that be okay if I just touch base with you later? Yeah. That'd be perfect just because, again, if you're sitting there with a 100,000, if the stock market crashes right now just before purchasing and you've got anything high risk that goes down $20, that's gonna really hurt the deposit. So I'll just I just wanna make sure that we look into that. Perfect. Perfect. Perfect. So outside of that, so we had the cash savings, the Colonial account. I think last time you had, like, a very small credit card and a car that you had paid off as well. Is that about it for assets and loans? Yep. Fantastic. Perfect. And there's nothing else floating around? Personal loans, shares, anything else? Yep. Awesome. Perfect. So that's it for assets and liabilities. I wanted to just quickly touch base before I jump into the super on your occupation because I was Mhmm. We've updated to a new system at Oakview, and it's been kind of custom built for us, and we've been cross referencing all the details from when you came on board till now just to make sure the system's accurate. I did have you noted down as, like, a client manager for the water quality lab, but then also moving to be, like, a scientist within the lab. Can I just clarify the occupation? Perfect. And still on around about 80,145, I think, we had last time. Yep. Awesome. And would you sort of say that it's all, like, office based on the computer? Are you working with any hazardous materials? Perfect. And that's with ALS Limited? Perfect. So we have it all correct. That's amazing. We had your next of kin or emergency contact noted as your sister, Matilda. Just making sure that's still okay. Perfect. We still had your marital status as single, and she was kind of your beneficiary for the super as well. Perfect. Do you have anything in the way of, like, regular savings per week that you always make sure to put away? Because I know you're putting an extra $100 into your super with salary sacrifice. Do you also have a regular savings amount? Perfect. So I'm just gonna put down that there is and would you kind of split split that between, like, short term fund, long term savings, or is it more like bills and house deposit? Yeah. Amazing. Last couple of questions I've got just to double check is in terms of, like, insolvency. This is a bit of a new question. Have you ever gone through a bankruptcy or part nine debt agreement before? Perfect. Perfect. And did you end up putting in place, like, a will or a power of attorney for your estate plan? That's okay. One of the tips I've been kind of giving to people lately is if you don't need to go to a solicitor and your situation is decently simple, you can always go to the public trustee of your state. Kinda like the courthouse, they also do appointments to set up wills. And the post office also has will for, like, $25. So if that kind of helps a little bit, there's a few options on what you could do. Yeah. And just out of curiosity, would everything kind of go towards your your sister? Was that your intended aim for all your different assets? Yeah. So one thing I wanted to just flag on your account is that once you do have a will in place, if you can make sure, like, the super is included in that, we can make sure that your beneficiary is updated to be in line with the will because that would make it a lot easier for the estate to be distributed. Because if you just nominate your sister as an interdependent, they have to go through and prove, like, an interdependency relationship, which is a lot harder than just aiming it to the will and the will distributes. So, like, I'm just gonna flag to update that once the will's in place. Cool. Now onto the fun bit. The superannuation, do you log in every now and then to see how it's going? No. That's totally fine. That's why you have us. And, again, I have those other people who will look at it daily and go, oh my god. The news said something, and my super went down 3,000. I'm panicking. And it's just like, don't do that to yourself. You have plenty of things to worry about. Do you think I'm gonna give you good news today or bad news? Yep. So let me give you a bit of a short long term snapshot. If I look at I'll give you that recent situation over the last three months so you can see what happened there because I want you to be comfortable with your level of volatility. Because your portfolio is in a growth portfolio. It's a four out of five on the risk scale, still primarily focused on capital growth. Not the high risk, but it's one below that. And, obviously, at some point, we want to protect what you've built. You probably don't want to be high risk at the age of 64 and lose half your super year before you access it. So where it kind of peaked at was 339,000. It then went down to $2.95. So think of it as, like, 40,000 down, and then it bounced straight back up to $3.21. So it's bounced back from where it was. It's just below the peak of where it was, but it's gone down back up. Yep. And even better is the twelve months. So I usually do that twelve month snapshot. Your growth risk profile, we usually aim for an average return of about 9% after fees, and you've actually cleared 16.42% net return. So $49,000 of earnings in the last twelve months. Yep. And you've had some of the best picked investments of any Oakview client outside of one option in particular. But out of about nine or 10 options, most of them had gone up 9%, 22%. You have battery tech and lithium, which if you recall is kind of electronic vehicles. And because of all of that surge in EVs lately, your that portion of your super grew a 120% in the last twelve months. You have gold and silver. Your silver's up a 114%. You have some Asian shares up 67%. So you've had an absolute stellar year even with those fluctuations mixed in. The only thing that kind of dragged a little bit, your Australian shares went down about 11%. Every other option is pretty well in the positive. Now what I'm thinking is potentially just because of that one kind of underperforming as much as I would have expected. So normally, most Australian shares option are kind of either at about zero to 3% for the year. This one being negative kind of worries me a little bit. I would probably look at maybe switching that one option out kind of like an engine tune. So we don't have to rebuild the engine. Most of the portfolio is perfect. Just that one option probably needs to be a bit cleaned up. Now do you have a preference and this is there's no wrong answer here, but do you have a preference between more low fee investments that follow the market closely or paying a bit more to try and outperform the market? Do you have a strong lean either way? And reason why I asked that is because if I'm gonna look at a replacement, we have a few that we've been researching recently, and I can pretty much find you a good one in either style of investment. If we keep it to the same style, I can just look for a like for like replacement. If you wanna change the style to the more passive low fee side, I can look at that too. Perfect. I do have a couple in mind that are a little bit more affordable, much better performance over the last three to five years. I'll do an updated comparison and get the team to book you in in a couple of weeks just to go through that together before we change anything. I am actually going on paternity leave in June with my third child, so I just wanna make sure I get that in front of you before I go. Thank you. We finally finished off the family build there. We have the two boys and a girl on the way. So if I'm a little bit if I'm a little bit tired on the phone right now, it's just because the boys are excited and keeping me up at night. Six and three. So they're very, very excited, but they're always bouncing around wanting to climb into bed with mom and talk to the baby in the belly and all that kind of thing. It's really cool. So I'll definitely update a little bit on the portfolio there. Do you have any questions on the super side of things so far? Okay. Are you still comfortable with that amount of salary sacrifice into your super? Do you wanna continue that increase, decrease? How are you going cash flow wise? Yeah. That's perfect. I'll just wanna confirm that for the projections. So what I'll do is I'll base it on the contributions your employer's putting in plus the 100 a week and the current portfolio compared to the new one. Perfect. Last couple of things for me just when it comes to your insurance policy. I have a NEOS certificate of currency that we've sent out to you. Now that includes your life insurance, TPD insurance, and income protection. Do you remember those three? Perfect. So where it's kind of sitting at today because it's one of those things we keep a close eye on. It increases every your anniversaries every November. Yep. So the old step premium is jumping up with age. And once you hit the fifties, it can jump up pretty quickly. It's not too bad at the moment. It's about 2,200 after this 15% rebate. It's $1,888.20 out of the super. That's not too bad, but it could very quickly get to $3.04, 5,000 over the next five years. Yep. So we do have just shy of a 160,000 of life and total disability cover, which is your lump sum if you were to pass away or can never work again. So I just wanted to gauge it with you whether you still sort of value that type of cover. You know, if you you're in a car accident, you can never work again, you kind of get your super with that 160 of TBD, and that should hopefully kind of carry you through to that age pension age. What are your thoughts on those scenarios? Can't make the repayments and things like that. Yeah. So that's probably why the income protection is important to you as well because that's your that's your monthly income replacement. So if you're out of work for more than thirteen weeks, they will start paying that 5,596 per month out to you on a monthly basis for up to two years. So that will kind of help keep things going. If you have an injury that lasts more than two years, you're kind of looking at TPD territory. Like, if you haven't gone back for two years, it's kind of unlikely that you'll return to work. So that lump sum comes into it of the 160,000. Now the life and TB premiums are only about $4.41 in total for the year, so that's not too bad. The main one is the income protection. So as long as that's still important for your goals, I'm okay to kind of leave it alone and keep an eye on it as long as you still believe in that that protection for that mortgage repayment later. What I'm gonna quickly check is your policy came in force in November 2021. Now I believe, if memory serves me correct, October 2021 is when they changed income protection to be 70% maximum. So, technically, it could possibly be insuring you for an income of 96,000, but you were telling me earlier that you're still on an income of around 80,000. Is that right? K. So that might be something to look at because you might be a bit over insured. And what I mean there is because they increase the prices, they also slowly increase your cover amount assuming that you're gonna get regular pay rises, and they do that automatically. Now what that means is let's say you're insured for 96,000 and then you give them a tax return or a payslip that says 80,000, they will only pay you 70% based on the 80,000 on what you've got on paper. So I'm gonna get a reduction quote for you to make sure that you're not over insured. That that will save on the premiums a little bit. Is it possible to get a pretty good confirmation of your annual income? So whether it's a tax return, payslip, are you pretty confident with $80,001.04 5? Do you think it could be a bit above or below that? Yep. And what I might do too is I'm looking at your contributions from work. Thankfully, they seem to be the exact same amount every fortnight. So if I go Yeah. That'd be helpful. And just to try and save you the time a little bit, if I extrapolate out those contributions fortnightly, that works out to be a little bit under $12 a year. And if I work that back as 12% oh, and I've missed that calculation. Sorry. Bear with me for two seconds. We've got $4.45 73 a fortnight, and that is divided by 12%. So it says that based on your contributions, you might actually be earning 96, around about. So before I reduce your insurances, I'll double check that with you. K. $96.05 $7.04 83. So I'm just gonna put that on my file note just so I can confirm which way it leans. And that's perfect. So so far, we'll do a bit of a portfolio update. I'll double check if the insurance amounts are correct. But, otherwise, you're happy to kind of leave the life insurance alone. Go to set up the will at some point as well. Is there do you have any questions so far on on those three areas? Perfect. Is there anything else that you're working on the next three to five years goals wise that we haven't talked about already? I know you were saving for that home purchase. Is there anything else that's important? Yeah. And I think most of the goals that we had on the file was just about trying to get some good growth out of the super build up for that home purchase. We did have, like, a a tentative retirement age of about age 65 on about a thousand dollars a week at the time and really just about building that deposit up. Perfect. So if it's okay with you, Sumena, what I might do while I'm putting together this updated document for you is I'll just get the team to touch base with you on a quick payslip, you know, email you, try and get a hold of one of those just to confirm. And at the same time, are you okay for them to ask about that colonial fund just to see if there's any issues with the risk level? Perfect. Might just wanna hit both of those in one call. Is there a bit of a a time next week? Like, would you prefer the team to just send you an email, text message, give you a call next week to follow-up? What would be easier for you? Well, we you're in Victoria. You're off of daylight savings now. Correct? It's around about just before four o'clock? Perfect. That always confuses me. So if it's 04:00 now, we do have staff members that do late nights. So anytime from, say, 08:00 in the morning up until 06:30 at night, we have availability for someone to contact you. Yep. Is there any times where it's too late, you've started work, or too early, you're still having the coffee? Cool. Okay. I'll double I'll note that down on the file. So anytime after 8AM for a quick touch base. And, again, they're just gonna just quickly check about the payslip, try and grab one of those, and just to see how you went with Colonial, make sure there's no issues over there and and you're happy with all of that. We'll go payslip and CFS. Is it at all possible would it be easier to send you an email and get one of the payslips and the colonial statement emailed back to us, or would you prefer a phone call? Perfect. So you'll basically have two emails. The one I've sent you today is the annual review pack. So that's got your performance, your insurance certificate, a financial services guide from us with our updated licensing information, and it's also got your ongoing service agreement as well. I'll send you a separate email just for the administration side of things that you can reply to. Perfect. Now with that service agreement, I do have to ask if you're still comfortable to remain a client of Oakview's and if you're happy for us to continue looking after your super. Perfect. So I'm just gonna grab up your hub twenty four account, and I'll let you know the agreement dates just so you're aware. So your reference date oh, there we go. So it actually expired two days ago. So just letting you know that it's just clicked off. The updated agreement is in there. It should be the usual 1.65Percent cap as well once you hit 600,000 in your balance. Now I'm just gonna double check the documents that I sent you because we have been doing a tax file number form as well, and I just wanna double check if I've sent that through to you. So we have your service agreement with Hub, and then, yes, we have put that in there. I just wanted to let you know what that form was about because of all of the cybersecurity issues last year, we're just getting clients to opt in to us holding that tax file number on the one document because it's a pretty sensitive number to hold, and we just wanna make sure that we still have your consent. Perfect. So if you can have a look through there, when you open up that new email from our new system, it'll have all of your annual review pack attached like a regular email with PDF attachments at the bottom, and then there'll be a link for the service agreement as well if you could please sign that. Amazing. Do you have any questions for me, Ximena, before I let you go? Yeah. Oh, yeah. So if we, for example, could get a statement, that will tell me what investment options are there, and then I can figure out if there's any issues that I can spot as a bit of a second cursory glance. I'm not gonna tell you what to do with that account, but I just wanna double check it for you to see if there's any major risks. If you can find the investment option names, that would help too. But if it's on the statement, that kind of skips and speeds it up a little bit for you. Would that be okay? Easy done. So I will leave that Odoo sign with you now, and then I'm gonna go away and I'll shoot you an email for those two. The email should come from me with my email signature. So if you could please reply to that one with the documents, that would be fantastic. Amazing. Anything else I can do for you before I let you go? Awesome. So once that email comes back to us, if there's anything that we're worried about, we'll give you a call of a morning time. If not, probably in about two weeks' time, the team will get you booked in with me just to go through that updated super portfolio. Amazing, You have a fantastic evening, and thank you so much for your time today. Thank you. 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Savannah. It's Tommy here, senior adviser from Oakview. How are you doing? I'm doing fantastic. It's a beautiful cool day, sunny on the Gold Coast.\n\nWhat about your end? Good to hear. Good to hear. Hasn't been chopping and changing a lot in Melbourne, has it? Good to hear.\n\nGood to hear. I'm just giving you a call to go through your annual review. Perfect. Now before I get started, are you okay for this call to be recorded? Amazing.\n\nAnd just for the security of your details before I send out your pack to your email address, could I please confirm your date of birth and address? Mhmm. Amazing. Thank you so much for that. I have your Gmail address ready to go.\n\nAre you okay for me to send your annual review pack to that address? Perfect. And will you be able to look on to it with me today, or do you want me to just kind of walk you through the documents? Yep. That would be no worries at all.\n\nI'm gonna bring up your, Hub twenty four account and your details with us, do a bit of an update. Is there anything in particular you would like to get out of this review? Perfect. So we'll do a bit of a general update on everything and see how it's looking, if we need to update any strategies, but nothing in particular that's been burning on your mind. Yep.\n\nNow you did have a few goals noted down previously about building your deposit up for that house purchase. How'd you end up going? Did you did you build up I think you had 70,000 in in savings last time we checked. Have you built that up to be more? Amazing.\n\nAnd how was the bank looking for serviceability and and purchase price? Absolutely. And I think last time, you still had, like, a a managed fund with Colonial that was kind of growing in the background as well. I'm assuming they took that into account. Yeah.\n\nAwesome. And can I just quickly, for the records, note down what that balance would be sitting out for the Colonial account? Okay. So 77,000 in investment and another 77 in cash savings? Yep.\n\nYeah. So hitting the $100,000 mark, well done. Perfect. Perfect. So does it look pretty likely that you're gonna get a place in the next twelve months?\n\nWhat's what's it looking like? Perfect. Now can I just quickly check with you because I'm a little bit worried about the markets at the moment? When it comes to your colonial investments, do you have them in anything high risk that could crash and affect your deposit? Like, is it sitting in shares, ETFs?\n\nIs it in something safer? Just to make sure the capital is preserved to use. That's okay. I just wanted to put that thought in your mind just in case if you had a bunch of, you know, international shares, ETFs, and all of a sudden they lose 30% because the stock market crashes just before you wanna pull that out for a deposit. Do you at all recall any of the investment options?\n\nWere you in, like, a Vanguard high growth or anything like that come to mind? That is totally fine. Do you mind after this review if I touch base with you in a few weeks just to follow that up because I don't want you to lose out on purchasing a house if there's anything risky there in the colonial. Would that be okay if I just touch base with you later? Yeah.\n\nThat'd be perfect just because, again, if you're sitting there with a 100,000, if the stock market crashes right now just before purchasing and you've got anything high risk that goes down $20, that's gonna really hurt the deposit. So I'll just I just wanna make sure that we look into that. Perfect. Perfect. Perfect.\n\nSo outside of that, so we had the cash savings, the Colonial account. I think last time you had, like, a very small credit card and a car that you had paid off as well. Is that about it for assets and loans? Yep. Fantastic.\n\nPerfect. And there's nothing else floating around? Personal loans, shares, anything else? Yep. Awesome.\n\nPerfect. So that's it for assets and liabilities. I wanted to just quickly touch base before I jump into the super on your occupation because I was Mhmm. We've updated to a new system at Oakview, and it's been kind of custom built for us, and we've been cross referencing all the details from when you came on board till now just to make sure the system's accurate. I did have you noted down as, like, a client manager for the water quality lab, but then also moving to be, like, a scientist within the lab.\n\nCan I just clarify the occupation? Perfect. And still on around about 80,145, I think, we had last time. Yep. Awesome.\n\nAnd would you sort of say that it's all, like, office based on the computer? Are you working with any hazardous materials? Perfect. And that's with ALS Limited? Perfect.\n\nSo we have it all correct. That's amazing. We had your next of kin or emergency contact noted as your sister, Matilda. Just making sure that's still okay. Perfect.\n\nWe still had your marital status as single, and she was kind of your beneficiary for the super as well. Perfect. Do you have anything in the way of, like, regular savings per week that you always make sure to put away? Because I know you're putting an extra $100 into your super with salary sacrifice. Do you also have a regular savings amount?\n\nPerfect. So I'm just gonna put down that there is and would you kind of split split that between, like, short term fund, long term savings, or is it more like bills and house deposit? Yeah. Amazing. Last couple of questions I've got just to double check is in terms of, like, insolvency.\n\nThis is a bit of a new question. Have you ever gone through a bankruptcy or part nine debt agreement before? Perfect. Perfect. And did you end up putting in place, like, a will or a power of attorney for your estate plan?\n\nThat's okay. One of the tips I've been kind of giving to people lately is if you don't need to go to a solicitor and your situation is decently simple, you can always go to the public trustee of your state. Kinda like the courthouse, they also do appointments to set up wills. And the post office also has will for, like, $25. So if that kind of helps a little bit, there's a few options on what you could do.\n\nYeah. And just out of curiosity, would everything kind of go towards your your sister? Was that your intended aim for all your different assets? Yeah. So one thing I wanted to just flag on your account is that once you do have a will in place, if you can make sure, like, the super is included in that, we can make sure that your beneficiary is updated to be in line with the will because that would make it a lot easier for the estate to be distributed.\n\nBecause if you just nominate your sister as an interdependent, they have to go through and prove, like, an interdependency relationship, which is a lot harder than just aiming it to the will and the will distributes. So, like, I'm just gonna flag to update that once the will's in place. Cool. Now onto the fun bit. The superannuation, do you log in every now and then to see how it's going?\n\nNo. That's totally fine. That's why you have us. And, again, I have those other people who will look at it daily and go, oh my god. The news said something, and my super went down 3,000.\n\nI'm panicking. And it's just like, don't do that to yourself. You have plenty of things to worry about. Do you think I'm gonna give you good news today or bad news? Yep.\n\nSo let me give you a bit of a short long term snapshot. If I look at I'll give you that recent situation over the last three months so you can see what happened there because I want you to be comfortable with your level of volatility. Because your portfolio is in a growth portfolio. It's a four out of five on the risk scale, still primarily focused on capital growth. Not the high risk, but it's one below that.\n\nAnd, obviously, at some point, we want to protect what you've built. You probably don't want to be high risk at the age of 64 and lose half your super year before you access it. So where it kind of peaked at was 339,000. It then went down to $2.95. So think of it as, like, 40,000 down, and then it bounced straight back up to $3.21.\n\nSo it's bounced back from where it was. It's just below the peak of where it was, but it's gone down back up. Yep. And even better is the twelve months. So I usually do that twelve month snapshot.\n\nYour growth risk profile, we usually aim for an average return of about 9% after fees, and you've actually cleared 16.42% net return. So $49,000 of earnings in the last twelve months. Yep. And you've had some of the best picked investments of any Oakview client outside of one option in particular. But out of about nine or 10 options, most of them had gone up 9%, 22%.\n\nYou have battery tech and lithium, which if you recall is kind of electronic vehicles. And because of all of that surge in EVs lately, your that portion of your super grew a 120% in the last twelve months. You have gold and silver. Your silver's up a 114%. You have some Asian shares up 67%.\n\nSo you've had an absolute stellar year even with those fluctuations mixed in. The only thing that kind of dragged a little bit, your Australian shares went down about 11%. Every other option is pretty well in the positive. Now what I'm thinking is potentially just because of that one kind of underperforming as much as I would have expected. So normally, most Australian shares option are kind of either at about zero to 3% for the year.\n\nThis one being negative kind of worries me a little bit. I would probably look at maybe switching that one option out kind of like an engine tune. So we don't have to rebuild the engine. Most of the portfolio is perfect. Just that one option probably needs to be a bit cleaned up.\n\nNow do you have a preference and this is there's no wrong answer here, but do you have a preference between more low fee investments that follow the market closely or paying a bit more to try and outperform the market? Do you have a strong lean either way? And reason why I asked that is because if I'm gonna look at a replacement, we have a few that we've been researching recently, and I can pretty much find you a good one in either style of investment. If we keep it to the same style, I can just look for a like for like replacement. If you wanna change the style to the more passive low fee side, I can look at that too.\n\nPerfect. I do have a couple in mind that are a little bit more affordable, much better performance over the last three to five years. I'll do an updated comparison and get the team to book you in in a couple of weeks just to go through that together before we change anything. I am actually going on paternity leave in June with my third child, so I just wanna make sure I get that in front of you before I go. Thank you.\n\nWe finally finished off the family build there. We have the two boys and a girl on the way. So if I'm a little bit if I'm a little bit tired on the phone right now, it's just because the boys are excited and keeping me up at night. Six and three. So they're very, very excited, but they're always bouncing around wanting to climb into bed with mom and talk to the baby in the belly and all that kind of thing.\n\nIt's really cool. So I'll definitely update a little bit on the portfolio there. Do you have any questions on the super side of things so far? Okay. Are you still comfortable with that amount of salary sacrifice into your super?\n\nDo you wanna continue that increase, decrease? How are you going cash flow wise? Yeah. That's perfect. I'll just wanna confirm that for the projections.\n\nSo what I'll do is I'll base it on the contributions your employer's putting in plus the 100 a week and the current portfolio compared to the new one. Perfect. Last couple of things for me just when it comes to your insurance policy. I have a NEOS certificate of currency that we've sent out to you. Now that includes your life insurance, TPD insurance, and income protection.\n\nDo you remember those three? Perfect. So where it's kind of sitting at today because it's one of those things we keep a close eye on. It increases every your anniversaries every November. Yep.\n\nSo the old step premium is jumping up with age. And once you hit the fifties, it can jump up pretty quickly. It's not too bad at the moment. It's about 2,200 after this 15% rebate. It's $1,888.20 out of the super.\n\nThat's not too bad, but it could very quickly get to $3.04, 5,000 over the next five years. Yep. So we do have just shy of a 160,000 of life and total disability cover, which is your lump sum if you were to pass away or can never work again. So I just wanted to gauge it with you whether you still sort of value that type of cover. You know, if you you're in a car accident, you can never work again, you kind of get your super with that 160 of TBD, and that should hopefully kind of carry you through to that age pension age.\n\nWhat are your thoughts on those scenarios? Can't make the repayments and things like that. Yeah. So that's probably why the income protection is important to you as well because that's your that's your monthly income replacement. So if you're out of work for more than thirteen weeks, they will start paying that 5,596 per month out to you on a monthly basis for up to two years.\n\nSo that will kind of help keep things going. If you have an injury that lasts more than two years, you're kind of looking at TPD territory. Like, if you haven't gone back for two years, it's kind of unlikely that you'll return to work. So that lump sum comes into it of the 160,000. Now the life and TB premiums are only about $4.41 in total for the year, so that's not too bad.\n\nThe main one is the income protection. So as long as that's still important for your goals, I'm okay to kind of leave it alone and keep an eye on it as long as you still believe in that that protection for that mortgage repayment later. What I'm gonna quickly check is your policy came in force in November 2021. Now I believe, if memory serves me correct, October 2021 is when they changed income protection to be 70% maximum. So, technically, it could possibly be insuring you for an income of 96,000, but you were telling me earlier that you're still on an income of around 80,000.\n\nIs that right? K. So that might be something to look at because you might be a bit over insured. And what I mean there is because they increase the prices, they also slowly increase your cover amount assuming that you're gonna get regular pay rises, and they do that automatically. Now what that means is let's say you're insured for 96,000 and then you give them a tax return or a payslip that says 80,000, they will only pay you 70% based on the 80,000 on what you've got on paper.\n\nSo I'm gonna get a reduction quote for you to make sure that you're not over insured. That that will save on the premiums a little bit. Is it possible to get a pretty good confirmation of your annual income? So whether it's a tax return, payslip, are you pretty confident with $80,001.04 5? Do you think it could be a bit above or below that?\n\nYep. And what I might do too is I'm looking at your contributions from work. Thankfully, they seem to be the exact same amount every fortnight. So if I go Yeah. That'd be helpful.\n\nAnd just to try and save you the time a little bit, if I extrapolate out those contributions fortnightly, that works out to be a little bit under $12 a year. And if I work that back as 12% oh, and I've missed that calculation. Sorry. Bear with me for two seconds. We've got $4.45 73 a fortnight, and that is divided by 12%.\n\nSo it says that based on your contributions, you might actually be earning 96, around about. So before I reduce your insurances, I'll double check that with you. K. $96.05 $7.04 83. So I'm just gonna put that on my file note just so I can confirm which way it leans.\n\nAnd that's perfect. So so far, we'll do a bit of a portfolio update. I'll double check if the insurance amounts are correct. But, otherwise, you're happy to kind of leave the life insurance alone. Go to set up the will at some point as well.\n\nIs there do you have any questions so far on on those three areas? Perfect. Is there anything else that you're working on the next three to five years goals wise that we haven't talked about already? I know you were saving for that home purchase. Is there anything else that's important?\n\nYeah. And I think most of the goals that we had on the file was just about trying to get some good growth out of the super build up for that home purchase. We did have, like, a a tentative retirement age of about age 65 on about a thousand dollars a week at the time and really just about building that deposit up. Perfect. So if it's okay with you, Sumena, what I might do while I'm putting together this updated document for you is I'll just get the team to touch base with you on a quick payslip, you know, email you, try and get a hold of one of those just to confirm.\n\nAnd at the same time, are you okay for them to ask about that colonial fund just to see if there's any issues with the risk level? Perfect. Might just wanna hit both of those in one call. Is there a bit of a a time next week? Like, would you prefer the team to just send you an email, text message, give you a call next week to follow-up?\n\nWhat would be easier for you? Well, we you're in Victoria. You're off of daylight savings now. Correct? It's around about just before four o'clock?\n\nPerfect. That always confuses me. So if it's 04:00 now, we do have staff members that do late nights. So anytime from, say, 08:00 in the morning up until 06:30 at night, we have availability for someone to contact you. Yep.\n\nIs there any times where it's too late, you've started work, or too early, you're still having the coffee? Cool. Okay. I'll double I'll note that down on the file. So anytime after 8AM for a quick touch base.\n\nAnd, again, they're just gonna just quickly check about the payslip, try and grab one of those, and just to see how you went with Colonial, make sure there's no issues over there and and you're happy with all of that. We'll go payslip and CFS. Is it at all possible would it be easier to send you an email and get one of the payslips and the colonial statement emailed back to us, or would you prefer a phone call? Perfect. So you'll basically have two emails.\n\nThe one I've sent you today is the annual review pack. So that's got your performance, your insurance certificate, a financial services guide from us with our updated licensing information, and it's also got your ongoing service agreement as well. I'll send you a separate email just for the administration side of things that you can reply to. Perfect. Now with that service agreement, I do have to ask if you're still comfortable to remain a client of Oakview's and if you're happy for us to continue looking after your super.\n\nPerfect. So I'm just gonna grab up your hub twenty four account, and I'll let you know the agreement dates just so you're aware. So your reference date oh, there we go. So it actually expired two days ago. So just letting you know that it's just clicked off.\n\nThe updated agreement is in there. It should be the usual 1.65Percent cap as well once you hit 600,000 in your balance. Now I'm just gonna double check the documents that I sent you because we have been doing a tax file number form as well, and I just wanna double check if I've sent that through to you. So we have your service agreement with Hub, and then, yes, we have put that in there. I just wanted to let you know what that form was about because of all of the cybersecurity issues last year, we're just getting clients to opt in to us holding that tax file number on the one document because it's a pretty sensitive number to hold, and we just wanna make sure that we still have your consent.\n\nPerfect. So if you can have a look through there, when you open up that new email from our new system, it'll have all of your annual review pack attached like a regular email with PDF attachments at the bottom, and then there'll be a link for the service agreement as well if you could please sign that. Amazing. Do you have any questions for me, Ximena, before I let you go? Yeah.\n\nOh, yeah. So if we, for example, could get a statement, that will tell me what investment options are there, and then I can figure out if there's any issues that I can spot as a bit of a second cursory glance. I'm not gonna tell you what to do with that account, but I just wanna double check it for you to see if there's any major risks. If you can find the investment option names, that would help too. But if it's on the statement, that kind of skips and speeds it up a little bit for you.\n\nWould that be okay? Easy done. So I will leave that Odoo sign with you now, and then I'm gonna go away and I'll shoot you an email for those two. The email should come from me with my email signature. So if you could please reply to that one with the documents, that would be fantastic.\n\nAmazing. Anything else I can do for you before I let you go? Awesome. So once that email comes back to us, if there's anything that we're worried about, we'll give you a call of a morning time. If not, probably in about two weeks' time, the team will get you booked in with me just to go through that updated super portfolio.\n\nAmazing, You have a fantastic evening, and thank you so much for your time today. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello, Savannah.","start":4.0,"end":5.04,"sentiment":"neutral","sentiment_score":0.053559716790914536},{"text":"It's Tommy here, senior adviser from Oakview.","start":5.04,"end":7.2,"sentiment":"neutral","sentiment_score":0.08578225438083921},{"text":"How are you doing?","start":7.2,"end":7.94,"sentiment":"neutral","sentiment_score":0.12266306579113007},{"text":"I'm doing fantastic.","start":9.76,"end":10.82,"sentiment":"positive","sentiment_score":0.7149259646733602},{"text":"It's a beautiful cool day, sunny on the Gold Coast.","start":11.04,"end":13.679999,"sentiment":"positive","sentiment_score":0.5500602424144745}],"sentiment":"positive","sentiment_score":0.3401395305991173,"num_words":26,"start":4.0,"end":13.679999},{"sentences":[{"text":"What about your end?","start":13.679999,"end":14.74,"sentiment":"neutral","sentiment_score":0.12319821119308472},{"text":"Good to hear.","start":18.085001,"end":18.565,"sentiment":"positive","sentiment_score":0.3872537811597188},{"text":"Good to hear.","start":18.565,"end":18.885,"sentiment":"neutral","sentiment_score":0.3049536844094594},{"text":"Hasn't been chopping and changing a lot in Melbourne, has it?","start":18.885,"end":21.465,"sentiment":"neutral","sentiment_score":0.06112446602095257},{"text":"Good to hear.","start":26.9,"end":27.38,"sentiment":"positive","sentiment_score":0.4774750272432963}],"sentiment":"neutral","sentiment_score":0.19475872706001005,"num_words":24,"start":13.679999,"end":27.38},{"sentences":[{"text":"Good to hear.","start":27.38,"end":28.18,"sentiment":"positive","sentiment_score":0.3973151346047719},{"text":"I'm just giving you a call to go through your annual review.","start":28.18,"end":31.32,"sentiment":"neutral","sentiment_score":0.18400214053690434},{"text":"Perfect.","start":33.22,"end":33.62,"sentiment":"neutral","sentiment_score":0.24574172496795657},{"text":"Now before I get started, are you okay for this call to be recorded?","start":33.62,"end":36.76,"sentiment":"neutral","sentiment_score":0.060865137459976335},{"text":"Amazing.","start":38.739998,"end":39.225,"sentiment":"neutral","sentiment_score":0.33041149377822876}],"sentiment":"neutral","sentiment_score":0.15574955591751682,"num_words":31,"start":27.38,"end":39.225},{"sentences":[{"text":"And just for the security of your details before I send out your pack to your email address, could I please confirm your date of birth and address?","start":39.305,"end":46.605,"sentiment":"neutral","sentiment_score":0.12648417135434492},{"text":"Mhmm.","start":51.144997,"end":51.644997,"sentiment":"neutral","sentiment_score":0.035491831600666046},{"text":"Amazing.","start":56.54,"end":57.04,"sentiment":"positive","sentiment_score":0.4068089127540589},{"text":"Thank you so much for that.","start":57.1,"end":58.559998,"sentiment":"positive","sentiment_score":0.564219335714976},{"text":"I have your Gmail address ready to go.","start":58.7,"end":61.5,"sentiment":"positive","sentiment_score":0.3376951143145561}],"sentiment":"neutral","sentiment_score":0.2288803288882429,"num_words":44,"start":39.305,"end":61.5},{"sentences":[{"text":"Are you okay for me to send your annual review pack to that address?","start":61.5,"end":64.88,"sentiment":"neutral","sentiment_score":0.14729984636817658},{"text":"Perfect.","start":66.585,"end":66.98499,"sentiment":"positive","sentiment_score":0.3633293807506562},{"text":"And will you be able to look on to it with me today, or do you want me to just kind of walk you through the documents?","start":66.98499,"end":71.325,"sentiment":"neutral","sentiment_score":0.12868570839917218},{"text":"Yep.","start":79.08,"end":79.58,"sentiment":"neutral","sentiment_score":0.10218685865402222},{"text":"That would be no worries at all.","start":79.64001,"end":81.5,"sentiment":"neutral","sentiment_score":0.17857230135372706}],"sentiment":"neutral","sentiment_score":0.1450446864962578,"num_words":50,"start":61.5,"end":81.5},{"sentences":[{"text":"I'm gonna bring up your, Hub twenty four account and your details with us, do a bit of an update.","start":81.8,"end":87.5,"sentiment":"neutral","sentiment_score":0.1358585063368082},{"text":"Is there anything in particular you would like to get out of this review?","start":87.8,"end":91.020004,"sentiment":"neutral","sentiment_score":0.033130781059818606},{"text":"Perfect.","start":108.6,"end":109.08,"sentiment":"neutral","sentiment_score":0.2417619824409485},{"text":"So we'll do a bit of a general update on everything and see how it's looking, if we need to update any strategies, but nothing in particular that's been burning on your mind.","start":109.08,"end":117.740005,"sentiment":"neutral","sentiment_score":0.024645536009109383},{"text":"Yep.","start":137.62,"end":138.12,"sentiment":"neutral","sentiment_score":0.08235611766576767}],"sentiment":"neutral","sentiment_score":0.0625858239127674,"num_words":69,"start":81.8,"end":138.12},{"sentences":[{"text":"Now you did have a few goals noted down previously about building your deposit up for that house purchase.","start":138.9,"end":148.535,"sentiment":"neutral","sentiment_score":0.14010718798166827},{"text":"How'd you end up going?","start":149.795,"end":150.755,"sentiment":"neutral","sentiment_score":0.1316138654947281},{"text":"Did you did you build up I think you had 70,000 in in savings last time we checked.","start":150.755,"end":155.495,"sentiment":"neutral","sentiment_score":0.06441651760703987},{"text":"Have you built that up to be more?","start":155.99,"end":157.84999,"sentiment":"neutral","sentiment_score":0.027251213206909597},{"text":"Amazing.","start":167.27,"end":167.77,"sentiment":"positive","sentiment_score":0.4541168808937073}],"sentiment":"neutral","sentiment_score":0.10101430985492234,"num_words":51,"start":138.9,"end":167.77},{"sentences":[{"text":"And how was the bank looking for serviceability and and purchase price?","start":167.83,"end":173.175,"sentiment":"neutral","sentiment_score":0.16336200386285782},{"text":"Absolutely.","start":200.385,"end":200.885,"sentiment":"neutral","sentiment_score":0.152980774641037},{"text":"And I think last time, you still had, like, a a managed fund with Colonial that was kind of growing in the background as well.","start":201.105,"end":208.59,"sentiment":"neutral","sentiment_score":0.0685038024187088},{"text":"I'm assuming they took that into account.","start":208.67,"end":210.84999,"sentiment":"neutral","sentiment_score":0.038420846951859336},{"text":"Yeah.","start":215.62999,"end":215.95,"sentiment":"neutral","sentiment_score":0.1840706616640091}],"sentiment":"neutral","sentiment_score":0.09302035808239294,"num_words":46,"start":167.83,"end":215.95},{"sentences":[{"text":"Awesome.","start":215.95,"end":216.26999,"sentiment":"neutral","sentiment_score":0.3065851330757141},{"text":"And can I just quickly, for the records, note down what that balance would be sitting out for the Colonial account?","start":216.26999,"end":221.73,"sentiment":"neutral","sentiment_score":0.15247234028010143},{"text":"Okay.","start":229.53499,"end":230.03499,"sentiment":"neutral","sentiment_score":0.04112807661294937},{"text":"So 77,000 in investment and another 77 in cash savings?","start":230.81499,"end":235.795,"sentiment":"neutral","sentiment_score":0.028431306965649127},{"text":"Yep.","start":241.99,"end":242.49,"sentiment":"neutral","sentiment_score":0.056324347853660583}],"sentiment":"neutral","sentiment_score":0.11441969920826309,"num_words":34,"start":215.95,"end":242.49},{"sentences":[{"text":"Yeah.","start":248.085,"end":248.565,"sentiment":"neutral","sentiment_score":0.009392990730702875},{"text":"So hitting the $100,000 mark, well done.","start":248.565,"end":254.74501,"sentiment":"neutral","sentiment_score":0.18971921929291316},{"text":"Perfect.","start":258.005,"end":258.48502,"sentiment":"positive","sentiment_score":0.6411485075950623},{"text":"Perfect.","start":258.48502,"end":258.885,"sentiment":"positive","sentiment_score":0.5983922481536865},{"text":"So does it look pretty likely that you're gonna get a place in the next twelve months?","start":258.885,"end":262.805,"sentiment":"neutral","sentiment_score":0.2218567189924857}],"sentiment":"neutral","sentiment_score":0.23513083349637412,"num_words":27,"start":248.085,"end":262.805},{"sentences":[{"text":"What's what's it looking like?","start":262.805,"end":272.21002,"sentiment":"neutral","sentiment_score":0.0314547261223197},{"text":"Perfect.","start":279.16498,"end":279.66498,"sentiment":"positive","sentiment_score":0.5955292582511902},{"text":"Now can I just quickly check with you because I'm a little bit worried about the markets at the moment?","start":279.725,"end":284.065,"sentiment":"neutral","sentiment_score":-0.0014816131442785263},{"text":"When it comes to your colonial investments, do you have them in anything high risk that could crash and affect your deposit?","start":284.365,"end":291.56,"sentiment":"neutral","sentiment_score":-0.234794289550998},{"text":"Like, is it sitting in shares, ETFs?","start":291.56,"end":294.22,"sentiment":"neutral","sentiment_score":-0.12115028074809484}],"sentiment":"neutral","sentiment_score":-0.09618828562511639,"num_words":55,"start":262.805,"end":294.22},{"sentences":[{"text":"Is it in something safer?","start":294.52002,"end":295.98,"sentiment":"neutral","sentiment_score":-0.15446489453315734},{"text":"Just to make sure the capital is preserved to use.","start":296.68002,"end":299.5,"sentiment":"neutral","sentiment_score":-0.11670057214796543},{"text":"That's okay.","start":316.95,"end":317.51,"sentiment":"neutral","sentiment_score":0.12218738719820976},{"text":"I just wanted to put that thought in your mind just in case if you had a bunch of, you know, international shares, ETFs, and all of a sudden they lose 30% because the stock market crashes just before you wanna pull that out for a deposit.","start":317.51,"end":329.77002,"sentiment":"neutral","sentiment_score":-0.09139752102659103},{"text":"Do you at all recall any of the investment options?","start":330.20502,"end":333.80502,"sentiment":"neutral","sentiment_score":-0.015721501782536507}],"sentiment":"neutral","sentiment_score":-0.08307910710573196,"num_words":74,"start":294.52002,"end":333.80502},{"sentences":[{"text":"Were you in, like, a Vanguard high growth or anything like that come to mind?","start":333.80502,"end":338.065,"sentiment":"neutral","sentiment_score":-0.0026531169191002847},{"text":"That is totally fine.","start":347.9,"end":349.44,"sentiment":"neutral","sentiment_score":0.2154502011835575},{"text":"Do you mind after this review if I touch base with you in a few weeks just to follow that up because I don't want you to lose out on purchasing a house if there's anything risky there in the colonial.","start":350.38,"end":362.985,"sentiment":"neutral","sentiment_score":-0.11147876238314117},{"text":"Would that be okay if I just touch base with you later?","start":363.125,"end":365.705,"sentiment":"neutral","sentiment_score":0.0359443137422204},{"text":"Yeah.","start":373.78,"end":374.02002,"sentiment":"neutral","sentiment_score":-0.03630436211824417}],"sentiment":"neutral","sentiment_score":-0.04593969594483098,"num_words":73,"start":333.80502,"end":374.02002},{"sentences":[{"text":"That'd be perfect just because, again, if you're sitting there with a 100,000, if the stock market crashes right now just before purchasing and you've got anything high risk that goes down $20, that's gonna really hurt the deposit.","start":374.02002,"end":386.125,"sentiment":"neutral","sentiment_score":-0.16696833532590133},{"text":"So I'll just I just wanna make sure that we look into that.","start":386.42502,"end":389.48502,"sentiment":"neutral","sentiment_score":-0.037878535114801846},{"text":"Perfect.","start":391.385,"end":391.785,"sentiment":"positive","sentiment_score":0.45949605107307434},{"text":"Perfect.","start":391.785,"end":392.105,"sentiment":"positive","sentiment_score":0.4299625754356384},{"text":"Perfect.","start":392.105,"end":392.605,"sentiment":"positive","sentiment_score":0.3462749421596527}],"sentiment":"neutral","sentiment_score":-0.10488095391880382,"num_words":55,"start":374.02002,"end":392.605},{"sentences":[{"text":"So outside of that, so we had the cash savings, the Colonial account.","start":393.02002,"end":397.52002,"sentiment":"neutral","sentiment_score":0.07036809408320831},{"text":"I think last time you had, like, a very small credit card and a car that you had paid off as well.","start":397.82,"end":403.02002,"sentiment":"neutral","sentiment_score":0.01813688154586337},{"text":"Is that about it for assets and loans?","start":403.02002,"end":406.0,"sentiment":"neutral","sentiment_score":0.0013371461536735296},{"text":"Yep.","start":412.76498,"end":413.26498,"sentiment":"neutral","sentiment_score":0.11476462334394456},{"text":"Fantastic.","start":413.485,"end":413.985,"sentiment":"positive","sentiment_score":0.4840858578681946}],"sentiment":"neutral","sentiment_score":0.042740983722938435,"num_words":45,"start":393.02002,"end":413.985},{"sentences":[{"text":"Perfect.","start":421.42,"end":421.82,"sentiment":"positive","sentiment_score":0.37753868103027344},{"text":"And there's nothing else floating around?","start":421.82,"end":423.5,"sentiment":"neutral","sentiment_score":0.03633535016948978},{"text":"Personal loans, shares, anything else?","start":423.5,"end":426.22,"sentiment":"neutral","sentiment_score":-0.01731255352497101},{"text":"Yep.","start":426.22,"end":426.72,"sentiment":"neutral","sentiment_score":0.007938736118376255},{"text":"Awesome.","start":427.26,"end":427.76,"sentiment":"neutral","sentiment_score":0.2333853840827942}],"sentiment":"neutral","sentiment_score":0.05359372390168054,"num_words":14,"start":421.42,"end":427.76},{"sentences":[{"text":"Perfect.","start":428.94,"end":429.34,"sentiment":"neutral","sentiment_score":0.260908305644989},{"text":"So that's it for assets and liabilities.","start":429.34,"end":431.12,"sentiment":"neutral","sentiment_score":0.1019478908606938},{"text":"I wanted to just quickly touch base before I jump into the super on your occupation because I was Mhmm.","start":432.665,"end":439.545,"sentiment":"neutral","sentiment_score":0.06372776441276073},{"text":"We've updated to a new system at Oakview, and it's been kind of custom built for us, and we've been cross referencing all the details from when you came on board till now just to make sure the system's accurate.","start":439.545,"end":450.88998,"sentiment":"neutral","sentiment_score":0.13933210503309965},{"text":"I did have you noted down as, like, a client manager for the water quality lab, but then also moving to be, like, a scientist within the lab.","start":451.34998,"end":460.06998,"sentiment":"neutral","sentiment_score":0.021788284914301976}],"sentiment":"neutral","sentiment_score":0.08783807300884898,"num_words":96,"start":428.94,"end":460.06998},{"sentences":[{"text":"Can I just clarify the occupation?","start":460.06998,"end":461.77,"sentiment":"neutral","sentiment_score":0.005340980210651954},{"text":"Perfect.","start":472.155,"end":472.655,"sentiment":"neutral","sentiment_score":0.17948845028877258},{"text":"And still on around about 80,145, I think, we had last time.","start":473.11502,"end":478.66,"sentiment":"neutral","sentiment_score":0.04289237984145681},{"text":"Yep.","start":483.04,"end":483.52002,"sentiment":"neutral","sentiment_score":0.08425502479076385},{"text":"Awesome.","start":483.52002,"end":484.0,"sentiment":"neutral","sentiment_score":0.1711164116859436}],"sentiment":"neutral","sentiment_score":0.04674353933937493,"num_words":21,"start":460.06998,"end":484.0},{"sentences":[{"text":"And would you sort of say that it's all, like, office based on the computer?","start":484.0,"end":489.62003,"sentiment":"neutral","sentiment_score":0.024707877884308498},{"text":"Are you working with any hazardous materials?","start":489.84003,"end":492.1,"sentiment":"neutral","sentiment_score":-0.034050380012818744},{"text":"Perfect.","start":496.76498,"end":497.085,"sentiment":"neutral","sentiment_score":0.09298495948314668},{"text":"And that's with ALS Limited?","start":497.085,"end":498.865,"sentiment":"neutral","sentiment_score":0.03425147421658039},{"text":"Perfect.","start":500.76498,"end":501.085,"sentiment":"positive","sentiment_score":0.35094189643859863}],"sentiment":"neutral","sentiment_score":0.025774128799294603,"num_words":29,"start":484.0,"end":501.085},{"sentences":[{"text":"So we have it all correct.","start":501.085,"end":502.125,"sentiment":"neutral","sentiment_score":0.29264069100220996},{"text":"That's amazing.","start":502.125,"end":502.865,"sentiment":"positive","sentiment_score":0.3447200730443001},{"text":"We had your next of kin or emergency contact noted as your sister, Matilda.","start":503.88498,"end":509.33002,"sentiment":"neutral","sentiment_score":0.05723052618226835},{"text":"Just making sure that's still okay.","start":509.79,"end":511.57,"sentiment":"neutral","sentiment_score":0.10524480044841766},{"text":"Perfect.","start":513.63,"end":514.13,"sentiment":"positive","sentiment_score":0.7344062328338623}],"sentiment":"neutral","sentiment_score":0.15904781704062018,"num_words":29,"start":501.085,"end":514.13},{"sentences":[{"text":"We still had your marital status as single, and she was kind of your beneficiary for the super as well.","start":514.67,"end":522.585,"sentiment":"positive","sentiment_score":0.36923103407025337},{"text":"Perfect.","start":524.34503,"end":524.84503,"sentiment":"positive","sentiment_score":0.5772051811218262},{"text":"Do you have anything in the way of, like, regular savings per week that you always make sure to put away?","start":525.86505,"end":534.42505,"sentiment":"neutral","sentiment_score":0.22225173314412436},{"text":"Because I know you're putting an extra $100 into your super with salary sacrifice.","start":534.42505,"end":539.4,"sentiment":"neutral","sentiment_score":0.1780141405761242},{"text":"Do you also have a regular savings amount?","start":539.46,"end":541.64,"sentiment":"neutral","sentiment_score":0.08339421171694994}],"sentiment":"neutral","sentiment_score":0.24669474875554442,"num_words":64,"start":514.67,"end":541.64},{"sentences":[{"text":"Perfect.","start":564.05,"end":564.52997,"sentiment":"positive","sentiment_score":0.4131057858467102},{"text":"So I'm just gonna put down that there is and would you kind of split split that between, like, short term fund, long term savings, or is it more like bills and house deposit?","start":564.52997,"end":575.99,"sentiment":"neutral","sentiment_score":0.07156612488495953},{"text":"Yeah.","start":592.82,"end":593.32,"sentiment":"neutral","sentiment_score":0.0035669850185513496},{"text":"Amazing.","start":601.955,"end":602.455,"sentiment":"positive","sentiment_score":0.4498482048511505},{"text":"Last couple of questions I've got just to double check is in terms of, like, insolvency.","start":602.515,"end":607.97504,"sentiment":"neutral","sentiment_score":-0.027433083159849048}],"sentiment":"neutral","sentiment_score":0.05397811115561229,"num_words":53,"start":564.05,"end":607.97504},{"sentences":[{"text":"This is a bit of a new question.","start":608.515,"end":609.875,"sentiment":"neutral","sentiment_score":-0.0654136510565877},{"text":"Have you ever gone through a bankruptcy or part nine debt agreement before?","start":609.875,"end":614.135,"sentiment":"neutral","sentiment_score":-0.08320027188612865},{"text":"Perfect.","start":616.45996,"end":616.86,"sentiment":"neutral","sentiment_score":0.18693478405475616},{"text":"Perfect.","start":616.86,"end":617.36,"sentiment":"neutral","sentiment_score":0.233803391456604},{"text":"And did you end up putting in place, like, a will or a power of attorney for your estate plan?","start":617.57996,"end":622.56,"sentiment":"neutral","sentiment_score":0.05922520197927952}],"sentiment":"neutral","sentiment_score":7.662142432013223e-6,"num_words":43,"start":608.515,"end":622.56},{"sentences":[{"text":"That's okay.","start":627.115,"end":627.855,"sentiment":"neutral","sentiment_score":0.04774418193846941},{"text":"One of the tips I've been kind of giving to people lately is if you don't need to go to a solicitor and your situation is decently simple, you can always go to the public trustee of your state.","start":628.075,"end":642.27,"sentiment":"neutral","sentiment_score":0.19132800228320634},{"text":"Kinda like the courthouse, they also do appointments to set up wills.","start":642.33,"end":646.11,"sentiment":"neutral","sentiment_score":0.14643795353670916},{"text":"And the post office also has will for, like, $25.","start":646.41,"end":650.27,"sentiment":"neutral","sentiment_score":0.09816285893321038},{"text":"So if that kind of helps a little bit, there's a few options on what you could do.","start":650.49,"end":654.105,"sentiment":"neutral","sentiment_score":0.20825708823071587}],"sentiment":"neutral","sentiment_score":0.17339249472651216,"num_words":81,"start":627.115,"end":654.105},{"sentences":[{"text":"Yeah.","start":664.425,"end":664.925,"sentiment":"positive","sentiment_score":0.34913912415504456},{"text":"And just out of curiosity, would everything kind of go towards your your sister?","start":664.985,"end":669.37,"sentiment":"neutral","sentiment_score":0.03962901487414326},{"text":"Was that your intended aim for all your different assets?","start":669.37,"end":671.87,"sentiment":"neutral","sentiment_score":0.03738195914775133},{"text":"Yeah.","start":674.17,"end":674.56995,"sentiment":"neutral","sentiment_score":0.15082937479019165},{"text":"So one thing I wanted to just flag on your account is that once you do have a will in place, if you can make sure, like, the super is included in that, we can make sure that your beneficiary is updated to be in line with the will because that would make it a lot easier for the estate to be distributed.","start":674.56995,"end":692.595,"sentiment":"neutral","sentiment_score":0.26161228049369084}],"sentiment":"neutral","sentiment_score":0.20123784235689077,"num_words":89,"start":664.425,"end":692.595},{"sentences":[{"text":"Because if you just nominate your sister as an interdependent, they have to go through and prove, like, an interdependency relationship, which is a lot harder than just aiming it to the will and the will distributes.","start":693.13495,"end":705.82996,"sentiment":"neutral","sentiment_score":0.10449858231318963},{"text":"So, like, I'm just gonna flag to update that once the will's in place.","start":706.385,"end":710.245,"sentiment":"neutral","sentiment_score":0.13406819158366748},{"text":"Cool.","start":712.46497,"end":712.96497,"sentiment":"neutral","sentiment_score":0.2987564206123352},{"text":"Now onto the fun bit.","start":713.505,"end":715.205,"sentiment":"neutral","sentiment_score":0.15144315958023072},{"text":"The superannuation, do you log in every now and then to see how it's going?","start":715.665,"end":719.045,"sentiment":"neutral","sentiment_score":0.10992545932531357}],"sentiment":"neutral","sentiment_score":0.11733689355767435,"num_words":72,"start":693.13495,"end":719.045},{"sentences":[{"text":"No.","start":726.83,"end":727.07,"sentiment":"neutral","sentiment_score":-0.25196853280067444},{"text":"That's totally fine.","start":727.07,"end":727.87,"sentiment":"neutral","sentiment_score":-0.17839133739471436},{"text":"That's why you have us.","start":727.87,"end":728.83,"sentiment":"neutral","sentiment_score":-0.03188575282692909},{"text":"And, again, I have those other people who will look at it daily and go, oh my god.","start":728.83,"end":732.765,"sentiment":"neutral","sentiment_score":-0.11708299070596695},{"text":"The news said something, and my super went down 3,000.","start":732.84503,"end":735.405,"sentiment":"negative","sentiment_score":-0.36184086799621584}],"sentiment":"neutral","sentiment_score":-0.18033713031862234,"num_words":37,"start":726.83,"end":735.405},{"sentences":[{"text":"I'm panicking.","start":735.405,"end":736.125,"sentiment":"neutral","sentiment_score":-0.29224207252264023},{"text":"And it's just like, don't do that to yourself.","start":736.125,"end":737.965,"sentiment":"neutral","sentiment_score":-0.19376190420654085},{"text":"You have plenty of things to worry about.","start":737.965,"end":739.905,"sentiment":"neutral","sentiment_score":-0.15819562505930662},{"text":"Do you think I'm gonna give you good news today or bad news?","start":740.925,"end":743.585,"sentiment":"neutral","sentiment_score":0.04961328495007295},{"text":"Yep.","start":759.355,"end":759.855,"sentiment":"neutral","sentiment_score":0.06264719367027283}],"sentiment":"neutral","sentiment_score":-0.08746322379870848,"num_words":33,"start":735.405,"end":759.855},{"sentences":[{"text":"So let me give you a bit of a short long term snapshot.","start":761.355,"end":764.33496,"sentiment":"neutral","sentiment_score":0.06824101106478618},{"text":"If I look at I'll give you that recent situation over the last three months so you can see what happened there because I want you to be comfortable with your level of volatility.","start":764.795,"end":774.73004,"sentiment":"neutral","sentiment_score":0.05546008833848378},{"text":"Because your portfolio is in a growth portfolio.","start":775.35004,"end":778.09,"sentiment":"neutral","sentiment_score":0.044646935537457466},{"text":"It's a four out of five on the risk scale, still primarily focused on capital growth.","start":778.55005,"end":783.53,"sentiment":"neutral","sentiment_score":0.032786667929030955},{"text":"Not the high risk, but it's one below that.","start":784.195,"end":786.695,"sentiment":"neutral","sentiment_score":-0.06741450975338618}],"sentiment":"neutral","sentiment_score":0.03809759663417935,"num_words":80,"start":761.355,"end":786.695},{"sentences":[{"text":"And, obviously, at some point, we want to protect what you've built.","start":786.755,"end":790.035,"sentiment":"neutral","sentiment_score":-0.019844384010260303},{"text":"You probably don't want to be high risk at the age of 64 and lose half your super year before you access it.","start":790.035,"end":796.23,"sentiment":"neutral","sentiment_score":-0.16266312636435032},{"text":"So where it kind of peaked at was 339,000.","start":798.14996,"end":802.81,"sentiment":"neutral","sentiment_score":-0.008098482775191465},{"text":"It then went down to $2.95.","start":803.51,"end":806.41,"sentiment":"neutral","sentiment_score":-0.037227783973018326},{"text":"So think of it as, like, 40,000 down, and then it bounced straight back up to $3.21.","start":806.63,"end":813.54504,"sentiment":"neutral","sentiment_score":-0.015773673213141805}],"sentiment":"neutral","sentiment_score":-0.06781776131255858,"num_words":67,"start":786.755,"end":813.54504},{"sentences":[{"text":"So it's bounced back from where it was.","start":815.365,"end":817.205,"sentiment":"neutral","sentiment_score":-0.01252543122973293},{"text":"It's just below the peak of where it was, but it's gone down back up.","start":817.205,"end":821.22,"sentiment":"neutral","sentiment_score":-0.023471807315945625},{"text":"Yep.","start":821.69995,"end":822.18,"sentiment":"neutral","sentiment_score":0.183095782995224},{"text":"And even better is the twelve months.","start":822.18,"end":825.06,"sentiment":"neutral","sentiment_score":0.2848583481141499},{"text":"So I usually do that twelve month snapshot.","start":825.06,"end":827.16,"sentiment":"neutral","sentiment_score":0.18770762905478477}],"sentiment":"neutral","sentiment_score":0.0827303767347565,"num_words":39,"start":815.365,"end":827.16},{"sentences":[{"text":"Your growth risk profile, we usually aim for an average return of about 9% after fees, and you've actually cleared 16.42% net return.","start":828.25995,"end":839.415,"sentiment":"neutral","sentiment_score":0.196632946315019},{"text":"So $49,000 of earnings in the last twelve months.","start":839.715,"end":844.375,"sentiment":"neutral","sentiment_score":0.255797083179156},{"text":"Yep.","start":847.97003,"end":848.37,"sentiment":"neutral","sentiment_score":0.2839542627334595},{"text":"And you've had some of the best picked investments of any Oakview client outside of one option in particular.","start":848.37,"end":856.63,"sentiment":"neutral","sentiment_score":0.26340043309487793},{"text":"But out of about nine or 10 options, most of them had gone up 9%, 22%.","start":857.09,"end":863.085,"sentiment":"neutral","sentiment_score":0.1410831823013723}],"sentiment":"neutral","sentiment_score":0.21133271944435203,"num_words":68,"start":828.25995,"end":863.085},{"sentences":[{"text":"You have battery tech and lithium, which if you recall is kind of electronic vehicles.","start":863.945,"end":868.605,"sentiment":"neutral","sentiment_score":0.08805300717552503},{"text":"And because of all of that surge in EVs lately, your that portion of your super grew a 120% in the last twelve months.","start":870.265,"end":878.69,"sentiment":"positive","sentiment_score":0.5812490079551935},{"text":"You have gold and silver.","start":880.58997,"end":881.97,"sentiment":"positive","sentiment_score":0.5097938239574432},{"text":"Your silver's up a 114%.","start":882.02997,"end":884.61,"sentiment":"positive","sentiment_score":0.5719916462898255},{"text":"You have some Asian shares up 67%.","start":884.99,"end":887.38995,"sentiment":"positive","sentiment_score":0.5610589555331639}],"sentiment":"positive","sentiment_score":0.43941270247367875,"num_words":56,"start":863.945,"end":887.38995},{"sentences":[{"text":"So you've had an absolute stellar year even with those fluctuations mixed in.","start":887.38995,"end":892.89496,"sentiment":"positive","sentiment_score":0.7315904819048368},{"text":"The only thing that kind of dragged a little bit, your Australian shares went down about 11%.","start":896.315,"end":902.175,"sentiment":"neutral","sentiment_score":-0.07282611924935789},{"text":"Every other option is pretty well in the positive.","start":902.67,"end":904.85,"sentiment":"neutral","sentiment_score":0.13647167053487566},{"text":"Now what I'm thinking is potentially just because of that one kind of underperforming as much as I would have expected.","start":908.35,"end":917.01,"sentiment":"neutral","sentiment_score":-0.22511000505515508},{"text":"So normally, most Australian shares option are kind of either at about zero to 3% for the year.","start":917.465,"end":923.965,"sentiment":"neutral","sentiment_score":-0.09139648162656361}],"sentiment":"neutral","sentiment_score":0.04010808329360607,"num_words":78,"start":887.38995,"end":923.965},{"sentences":[{"text":"This one being negative kind of worries me a little bit.","start":924.185,"end":927.085,"sentiment":"neutral","sentiment_score":-0.2942819608883424},{"text":"I would probably look at maybe switching that one option out kind of like an engine tune.","start":927.385,"end":932.56,"sentiment":"neutral","sentiment_score":-0.19730854998616612},{"text":"So we don't have to rebuild the engine.","start":932.62,"end":934.32,"sentiment":"neutral","sentiment_score":-0.1479074526578188},{"text":"Most of the portfolio is perfect.","start":934.45996,"end":936.16,"sentiment":"neutral","sentiment_score":0.03813084835807482},{"text":"Just that one option probably needs to be a bit cleaned up.","start":936.45996,"end":939.19995,"sentiment":"neutral","sentiment_score":-0.16267103888094425}],"sentiment":"neutral","sentiment_score":-0.17588655402263006,"num_words":54,"start":924.185,"end":939.19995},{"sentences":[{"text":"Now do you have a preference and this is there's no wrong answer here, but do you have a preference between more low fee investments that follow the market closely or paying a bit more to try and outperform the market?","start":941.33997,"end":954.665,"sentiment":"neutral","sentiment_score":0.03952827936083805},{"text":"Do you have a strong lean either way?","start":954.725,"end":956.745,"sentiment":"neutral","sentiment_score":-0.007816000608727336},{"text":"And reason why I asked that is because if I'm gonna look at a replacement, we have a few that we've been researching recently, and I can pretty much find you a good one in either style of investment.","start":964.66,"end":975.685,"sentiment":"neutral","sentiment_score":-0.01652390271043166},{"text":"If we keep it to the same style, I can just look for a like for like replacement.","start":976.225,"end":980.325,"sentiment":"neutral","sentiment_score":0.021557158480087917},{"text":"If you wanna change the style to the more passive low fee side, I can look at that too.","start":980.70496,"end":984.81,"sentiment":"neutral","sentiment_score":0.02815025270377335}],"sentiment":"neutral","sentiment_score":0.014692663177847863,"num_words":125,"start":941.33997,"end":984.81},{"sentences":[{"text":"Perfect.","start":991.69,"end":992.19,"sentiment":"positive","sentiment_score":0.37427395582199097},{"text":"I do have a couple in mind that are a little bit more affordable, much better performance over the last three to five years.","start":992.65,"end":998.75,"sentiment":"neutral","sentiment_score":0.18645569620033106},{"text":"I'll do an updated comparison and get the team to book you in in a couple of weeks just to go through that together before we change anything.","start":999.425,"end":1006.885,"sentiment":"neutral","sentiment_score":0.11754739776785884},{"text":"I am actually going on paternity leave in June with my third child, so I just wanna make sure I get that in front of you before I go.","start":1008.145,"end":1015.30005,"sentiment":"neutral","sentiment_score":0.1088477789328016},{"text":"Thank you.","start":1017.76,"end":1018.24005,"sentiment":"positive","sentiment_score":0.8299398124217987}],"sentiment":"neutral","sentiment_score":0.15425003590505748,"num_words":84,"start":991.69,"end":1018.24005},{"sentences":[{"text":"We finally finished off the family build there.","start":1018.24005,"end":1020.72003,"sentiment":"positive","sentiment_score":0.6974351108074188},{"text":"We have the two boys and a girl on the way.","start":1020.72003,"end":1023.22003,"sentiment":"positive","sentiment_score":0.506425223567269},{"text":"So if I'm a little bit if I'm a little bit tired on the phone right now, it's just because the boys are excited and keeping me up at night.","start":1023.52,"end":1032.865,"sentiment":"neutral","sentiment_score":-0.06708438179145257},{"text":"Six and three.","start":1032.865,"end":1033.925,"sentiment":"neutral","sentiment_score":-0.0027258040693898997},{"text":"So they're very, very excited, but they're always bouncing around wanting to climb into bed with mom and talk to the baby in the belly and all that kind of thing.","start":1035.825,"end":1044.46,"sentiment":"neutral","sentiment_score":0.1512185809232535}],"sentiment":"neutral","sentiment_score":0.16647259624540267,"num_words":83,"start":1018.24005,"end":1044.46},{"sentences":[{"text":"It's really cool.","start":1045.08,"end":1046.14,"sentiment":"positive","sentiment_score":0.570237378279368},{"text":"So I'll definitely update a little bit on the portfolio there.","start":1046.84,"end":1050.14,"sentiment":"neutral","sentiment_score":0.23339800401167435},{"text":"Do you have any questions on the super side of things so far?","start":1050.6,"end":1053.8999,"sentiment":"neutral","sentiment_score":0.09394565941049503},{"text":"Okay.","start":1057.335,"end":1057.835,"sentiment":"neutral","sentiment_score":0.07681024074554443},{"text":"Are you still comfortable with that amount of salary sacrifice into your super?","start":1058.535,"end":1063.515,"sentiment":"neutral","sentiment_score":0.041764139842528566}],"sentiment":"neutral","sentiment_score":0.14924701975613106,"num_words":41,"start":1045.08,"end":1063.515},{"sentences":[{"text":"Do you wanna continue that increase, decrease?","start":1063.575,"end":1066.2949,"sentiment":"neutral","sentiment_score":0.008953517568962914},{"text":"How are you going cash flow wise?","start":1066.2949,"end":1068.075,"sentiment":"neutral","sentiment_score":0.04551638077412333},{"text":"Yeah.","start":1078.0499,"end":1078.37,"sentiment":"neutral","sentiment_score":0.198160856962204},{"text":"That's perfect.","start":1078.37,"end":1079.01,"sentiment":"positive","sentiment_score":0.4280833601951599},{"text":"I'll just wanna confirm that for the projections.","start":1079.01,"end":1082.405,"sentiment":"neutral","sentiment_score":0.22706594690680504}],"sentiment":"neutral","sentiment_score":0.1300857776403427,"num_words":25,"start":1063.575,"end":1082.405},{"sentences":[{"text":"So what I'll do is I'll base it on the contributions your employer's putting in plus the 100 a week and the current portfolio compared to the new one.","start":1082.625,"end":1092.63,"sentiment":"neutral","sentiment_score":0.0994814561101897},{"text":"Perfect.","start":1094.39,"end":1094.89,"sentiment":"neutral","sentiment_score":0.26455187797546387},{"text":"Last couple of things for me just when it comes to your insurance policy.","start":1095.83,"end":1100.25,"sentiment":"neutral","sentiment_score":0.12782217030014312},{"text":"I have a NEOS certificate of currency that we've sent out to you.","start":1101.03,"end":1104.645,"sentiment":"neutral","sentiment_score":0.12431794519607837},{"text":"Now that includes your life insurance, TPD insurance, and income protection.","start":1105.845,"end":1112.485,"sentiment":"neutral","sentiment_score":0.07284871929071167}],"sentiment":"neutral","sentiment_score":0.10818373072235023,"num_words":68,"start":1082.625,"end":1112.485},{"sentences":[{"text":"Do you remember those three?","start":1112.485,"end":1113.865,"sentiment":"neutral","sentiment_score":0.04091123193502426},{"text":"Perfect.","start":1116.645,"end":1117.045,"sentiment":"neutral","sentiment_score":0.2042190432548523},{"text":"So where it's kind of sitting at today because it's one of those things we keep a close eye on.","start":1117.045,"end":1121.48,"sentiment":"neutral","sentiment_score":0.08827472198754549},{"text":"It increases every your anniversaries every November.","start":1121.48,"end":1125.5,"sentiment":"neutral","sentiment_score":0.05021853744983673},{"text":"Yep.","start":1129.0,"end":1129.32,"sentiment":"neutral","sentiment_score":0.017767129465937614}],"sentiment":"neutral","sentiment_score":0.07481078042046112,"num_words":34,"start":1112.485,"end":1129.32},{"sentences":[{"text":"So the old step premium is jumping up with age.","start":1129.32,"end":1131.48,"sentiment":"neutral","sentiment_score":-0.06336957551538944},{"text":"And once you hit the fifties, it can jump up pretty quickly.","start":1131.48,"end":1134.62,"sentiment":"neutral","sentiment_score":-0.038389384280890226},{"text":"It's not too bad at the moment.","start":1135.695,"end":1136.975,"sentiment":"neutral","sentiment_score":0.325494647026062},{"text":"It's about 2,200 after this 15% rebate.","start":1136.975,"end":1140.835,"sentiment":"neutral","sentiment_score":0.2765538841485977},{"text":"It's $1,888.20 out of the super.","start":1140.895,"end":1145.475,"sentiment":"neutral","sentiment_score":0.2607855200767517}],"sentiment":"neutral","sentiment_score":0.11154010647996551,"num_words":42,"start":1129.32,"end":1145.475},{"sentences":[{"text":"That's not too bad, but it could very quickly get to $3.04, 5,000 over the next five years.","start":1146.495,"end":1151.9,"sentiment":"neutral","sentiment_score":0.20928380472792518},{"text":"Yep.","start":1156.68,"end":1157.16,"sentiment":"neutral","sentiment_score":0.1014246791601181},{"text":"So we do have just shy of a 160,000 of life and total disability cover, which is your lump sum if you were to pass away or can never work again.","start":1157.16,"end":1168.845,"sentiment":"neutral","sentiment_score":0.011273426995162041},{"text":"So I just wanted to gauge it with you whether you still sort of value that type of cover.","start":1169.145,"end":1175.465,"sentiment":"neutral","sentiment_score":0.07164589492113967},{"text":"You know, if you you're in a car accident, you can never work again, you kind of get your super with that 160 of TBD, and that should hopefully kind of carry you through to that age pension age.","start":1175.465,"end":1186.7201,"sentiment":"neutral","sentiment_score":0.05753433828552564}],"sentiment":"neutral","sentiment_score":0.07243630183101804,"num_words":108,"start":1146.495,"end":1186.7201},{"sentences":[{"text":"What are your thoughts on those scenarios?","start":1187.42,"end":1189.12,"sentiment":"neutral","sentiment_score":0.01905328727194241},{"text":"Can't make the repayments and things like that.","start":1223.6549,"end":1225.975,"sentiment":"neutral","sentiment_score":-0.014210722176358104},{"text":"Yeah.","start":1225.975,"end":1226.475,"sentiment":"neutral","sentiment_score":0.06484946608543396},{"text":"So that's probably why the income protection is important to you as well because that's your that's your monthly income replacement.","start":1226.94,"end":1233.98,"sentiment":"neutral","sentiment_score":0.0956159501913048},{"text":"So if you're out of work for more than thirteen weeks, they will start paying that 5,596 per month out to you on a monthly basis for up to two years.","start":1233.98,"end":1245.335,"sentiment":"neutral","sentiment_score":0.02863100135037976}],"sentiment":"neutral","sentiment_score":0.04382401022731381,"num_words":68,"start":1187.42,"end":1245.335},{"sentences":[{"text":"So that will kind of help keep things going.","start":1245.475,"end":1248.615,"sentiment":"neutral","sentiment_score":0.22078696389993033},{"text":"If you have an injury that lasts more than two years, you're kind of looking at TPD territory.","start":1248.9149,"end":1253.815,"sentiment":"neutral","sentiment_score":-0.15508095920085907},{"text":"Like, if you haven't gone back for two years, it's kind of unlikely that you'll return to work.","start":1253.875,"end":1258.8099,"sentiment":"neutral","sentiment_score":-0.18090221120251548},{"text":"So that lump sum comes into it of the 160,000.","start":1258.8099,"end":1262.27,"sentiment":"neutral","sentiment_score":-0.005581498518586159},{"text":"Now the life and TB premiums are only about $4.41 in total for the year, so that's not too bad.","start":1264.25,"end":1270.25,"sentiment":"neutral","sentiment_score":0.18456818982958795}],"sentiment":"neutral","sentiment_score":-0.005667541076739629,"num_words":75,"start":1245.475,"end":1270.25},{"sentences":[{"text":"The main one is the income protection.","start":1270.25,"end":1272.11,"sentiment":"neutral","sentiment_score":0.12842143326997757},{"text":"So as long as that's still important for your goals, I'm okay to kind of leave it alone and keep an eye on it as long as you still believe in that that protection for that mortgage repayment later.","start":1272.615,"end":1283.755,"sentiment":"positive","sentiment_score":0.36776305696903133},{"text":"What I'm gonna quickly check is your policy came in force in November 2021.","start":1291.99,"end":1299.93,"sentiment":"neutral","sentiment_score":0.16968689486384392},{"text":"Now I believe, if memory serves me correct, October 2021 is when they changed income protection to be 70% maximum.","start":1300.5651,"end":1308.505,"sentiment":"neutral","sentiment_score":0.10070419572293758},{"text":"So, technically, it could possibly be insuring you for an income of 96,000, but you were telling me earlier that you're still on an income of around 80,000.","start":1309.045,"end":1319.16,"sentiment":"neutral","sentiment_score":0.0847702853913818}],"sentiment":"neutral","sentiment_score":0.2037497934091974,"num_words":108,"start":1270.25,"end":1319.16},{"sentences":[{"text":"Is that right?","start":1319.46,"end":1320.2,"sentiment":"neutral","sentiment_score":0.09885222961505254},{"text":"K.","start":1323.06,"end":1323.46,"sentiment":"neutral","sentiment_score":0.01838543452322483},{"text":"So that might be something to look at because you might be a bit over insured.","start":1323.46,"end":1327.24,"sentiment":"neutral","sentiment_score":-0.17635774426162243},{"text":"And what I mean there is because they increase the prices, they also slowly increase your cover amount assuming that you're gonna get regular pay rises, and they do that automatically.","start":1329.445,"end":1338.825,"sentiment":"neutral","sentiment_score":0.04731138290897492},{"text":"Now what that means is let's say you're insured for 96,000 and then you give them a tax return or a payslip that says 80,000, they will only pay you 70% based on the 80,000 on what you've got on paper.","start":1341.54,"end":1355.485,"sentiment":"neutral","sentiment_score":0.0795557925977358}],"sentiment":"neutral","sentiment_score":0.024148462846389284,"num_words":92,"start":1319.46,"end":1355.485},{"sentences":[{"text":"So I'm gonna get a reduction quote for you to make sure that you're not over insured.","start":1357.5449,"end":1362.825,"sentiment":"neutral","sentiment_score":0.20204918305663502},{"text":"That that will save on the premiums a little bit.","start":1362.825,"end":1365.325,"sentiment":"positive","sentiment_score":0.36749347150325773},{"text":"Is it possible to get a pretty good confirmation of your annual income?","start":1366.6,"end":1371.26,"sentiment":"neutral","sentiment_score":0.27880410162302166},{"text":"So whether it's a tax return, payslip, are you pretty confident with $80,001.04 5?","start":1371.5599,"end":1377.4199,"sentiment":"neutral","sentiment_score":0.2033375288758959},{"text":"Do you think it could be a bit above or below that?","start":1377.48,"end":1379.925,"sentiment":"neutral","sentiment_score":0.061017737413446106}],"sentiment":"neutral","sentiment_score":0.216866096989675,"num_words":66,"start":1357.5449,"end":1379.925},{"sentences":[{"text":"Yep.","start":1389.4451,"end":1389.8451,"sentiment":"neutral","sentiment_score":0.2114570587873459},{"text":"And what I might do too is I'm looking at your contributions from work.","start":1389.8451,"end":1394.665,"sentiment":"neutral","sentiment_score":0.1411097358380045},{"text":"Thankfully, they seem to be the exact same amount every fortnight.","start":1395.62,"end":1400.52,"sentiment":"positive","sentiment_score":0.3586932827125896},{"text":"So if I go Yeah.","start":1411.1549,"end":1424.5299,"sentiment":"neutral","sentiment_score":0.029968436807394028},{"text":"That'd be helpful.","start":1424.5299,"end":1425.51,"sentiment":"positive","sentiment_score":0.3421085476875305}],"sentiment":"neutral","sentiment_score":0.21496433227816047,"num_words":34,"start":1389.4451,"end":1425.51},{"sentences":[{"text":"And just to try and save you the time a little bit, if I extrapolate out those contributions fortnightly, that works out to be a little bit under $12 a year.","start":1425.73,"end":1436.405,"sentiment":"neutral","sentiment_score":0.10503217529866003},{"text":"And if I work that back as 12% oh, and I've missed that calculation.","start":1436.625,"end":1442.805,"sentiment":"neutral","sentiment_score":-0.021627285052090883},{"text":"Sorry.","start":1442.865,"end":1443.105,"sentiment":"neutral","sentiment_score":-0.0715666264295578},{"text":"Bear with me for two seconds.","start":1443.105,"end":1444.485,"sentiment":"neutral","sentiment_score":-0.05592253555854162},{"text":"We've got $4.45 73 a fortnight, and that is divided by 12%.","start":1444.9451,"end":1452.84,"sentiment":"neutral","sentiment_score":0.0057356480198601885}],"sentiment":"neutral","sentiment_score":0.04085845906229224,"num_words":64,"start":1425.73,"end":1452.84},{"sentences":[{"text":"So it says that based on your contributions, you might actually be earning 96, around about.","start":1453.86,"end":1459.08,"sentiment":"neutral","sentiment_score":0.03511110710678622},{"text":"So before I reduce your insurances, I'll double check that with you.","start":1460.34,"end":1463.895,"sentiment":"neutral","sentiment_score":-0.02228531241416931},{"text":"K.","start":1466.935,"end":1467.435,"sentiment":"neutral","sentiment_score":0.035935178399086},{"text":"$96.05 $7.04 83.","start":1468.935,"end":1473.5751,"sentiment":"neutral","sentiment_score":0.05762896314263344},{"text":"So I'm just gonna put that on my file note just so I can confirm which way it leans.","start":1473.5751,"end":1478.9601,"sentiment":"neutral","sentiment_score":0.21875786546029544}],"sentiment":"neutral","sentiment_score":0.09136422502570878,"num_words":51,"start":1453.86,"end":1478.9601},{"sentences":[{"text":"And that's perfect.","start":1479.74,"end":1480.7201,"sentiment":"positive","sentiment_score":0.6347663005193075},{"text":"So so far, we'll do a bit of a portfolio update.","start":1480.9401,"end":1483.92,"sentiment":"neutral","sentiment_score":0.3036394403739409},{"text":"I'll double check if the insurance amounts are correct.","start":1483.9801,"end":1486.7001,"sentiment":"neutral","sentiment_score":0.17369839714633095},{"text":"But, otherwise, you're happy to kind of leave the life insurance alone.","start":1486.7001,"end":1489.8401,"sentiment":"positive","sentiment_score":0.399501280238231},{"text":"Go to set up the will at some point as well.","start":1491.4551,"end":1494.115,"sentiment":"neutral","sentiment_score":0.27763042802160437}],"sentiment":"neutral","sentiment_score":0.31859931284966675,"num_words":46,"start":1479.74,"end":1494.115},{"sentences":[{"text":"Is there do you have any questions so far on on those three areas?","start":1494.655,"end":1498.1951,"sentiment":"neutral","sentiment_score":0.10182617817606245},{"text":"Perfect.","start":1503.0701,"end":1503.5701,"sentiment":"positive","sentiment_score":0.6795730590820312},{"text":"Is there anything else that you're working on the next three to five years goals wise that we haven't talked about already?","start":1504.27,"end":1509.55,"sentiment":"neutral","sentiment_score":0.23436902327971024},{"text":"I know you were saving for that home purchase.","start":1509.55,"end":1512.03,"sentiment":"neutral","sentiment_score":0.1225716003941165},{"text":"Is there anything else that's important?","start":1512.03,"end":1513.65,"sentiment":"neutral","sentiment_score":0.1081443044046561}],"sentiment":"neutral","sentiment_score":0.17333208260914454,"num_words":52,"start":1494.655,"end":1513.65},{"sentences":[{"text":"Yeah.","start":1523.005,"end":1523.505,"sentiment":"neutral","sentiment_score":0.14462658762931824},{"text":"And I think most of the goals that we had on the file was just about trying to get some good growth out of the super build up for that home purchase.","start":1526.285,"end":1534.55,"sentiment":"neutral","sentiment_score":0.2770455220452277},{"text":"We did have, like, a a tentative retirement age of about age 65 on about a thousand dollars a week at the time and really just about building that deposit up.","start":1535.0901,"end":1545.015,"sentiment":"neutral","sentiment_score":0.11982111176175456},{"text":"Perfect.","start":1556.2899,"end":1556.7899,"sentiment":"positive","sentiment_score":0.5419996976852417},{"text":"So if it's okay with you, Sumena, what I might do while I'm putting together this updated document for you is I'll just get the team to touch base with you on a quick payslip, you know, email you, try and get a hold of one of those just to confirm.","start":1556.85,"end":1572.4349,"sentiment":"positive","sentiment_score":0.44941704355034173}],"sentiment":"neutral","sentiment_score":0.31195522996934194,"num_words":116,"start":1523.005,"end":1572.4349},{"sentences":[{"text":"And at the same time, are you okay for them to ask about that colonial fund just to see if there's any issues with the risk level?","start":1572.6549,"end":1580.0349,"sentiment":"neutral","sentiment_score":0.08612735362516509},{"text":"Perfect.","start":1584.52,"end":1585.02,"sentiment":"positive","sentiment_score":0.3937726318836212},{"text":"Might just wanna hit both of those in one call.","start":1585.64,"end":1588.9401,"sentiment":"positive","sentiment_score":0.37610875368118285},{"text":"Is there a bit of a a time next week?","start":1589.24,"end":1591.9,"sentiment":"neutral","sentiment_score":0.11403375715017319},{"text":"Like, would you prefer the team to just send you an email, text message, give you a call next week to follow-up?","start":1592.295,"end":1597.675,"sentiment":"neutral","sentiment_score":0.1553925865075805}],"sentiment":"neutral","sentiment_score":0.1577039027320487,"num_words":70,"start":1572.6549,"end":1597.675},{"sentences":[{"text":"What would be easier for you?","start":1597.7351,"end":1599.515,"sentiment":"neutral","sentiment_score":0.11688099180658658},{"text":"Well, we you're in Victoria.","start":1619.765,"end":1622.105,"sentiment":"neutral","sentiment_score":-0.008716596383601427},{"text":"You're off of daylight savings now.","start":1622.1649,"end":1624.885,"sentiment":"neutral","sentiment_score":-0.030211171445747215},{"text":"Correct?","start":1624.885,"end":1625.125,"sentiment":"neutral","sentiment_score":-0.007034975104033947},{"text":"It's around about just before four o'clock?","start":1625.125,"end":1627.3049,"sentiment":"neutral","sentiment_score":-0.007866967868592058}],"sentiment":"neutral","sentiment_score":0.016573287602514027,"num_words":25,"start":1597.7351,"end":1627.3049},{"sentences":[{"text":"Perfect.","start":1630.5,"end":1630.82,"sentiment":"neutral","sentiment_score":0.1381486803293228},{"text":"That always confuses me.","start":1630.82,"end":1632.52,"sentiment":"negative","sentiment_score":-0.4159083366394043},{"text":"So if it's 04:00 now, we do have staff members that do late nights.","start":1633.14,"end":1637.08,"sentiment":"neutral","sentiment_score":-0.07335119800908226},{"text":"So anytime from, say, 08:00 in the morning up until 06:30 at night, we have availability for someone to contact you.","start":1637.46,"end":1647.655,"sentiment":"neutral","sentiment_score":0.02715024028328203},{"text":"Yep.","start":1665.665,"end":1665.985,"sentiment":"neutral","sentiment_score":0.09073352813720705}],"sentiment":"neutral","sentiment_score":-0.046134460104129665,"num_words":41,"start":1630.5,"end":1665.985},{"sentences":[{"text":"Is there any times where it's too late, you've started work, or too early, you're still having the coffee?","start":1665.985,"end":1670.965,"sentiment":"neutral","sentiment_score":0.026767268188689883},{"text":"Cool.","start":1680.88,"end":1681.28,"sentiment":"neutral","sentiment_score":0.2750883400440216},{"text":"Okay.","start":1681.28,"end":1681.68,"sentiment":"neutral","sentiment_score":0.18517380952835083},{"text":"I'll double I'll note that down on the file.","start":1681.68,"end":1683.92,"sentiment":"neutral","sentiment_score":0.15412781635920206},{"text":"So anytime after 8AM for a quick touch base.","start":1683.92,"end":1687.52,"sentiment":"neutral","sentiment_score":0.0998645308944914}],"sentiment":"neutral","sentiment_score":0.08345567616514671,"num_words":39,"start":1665.985,"end":1687.52},{"sentences":[{"text":"And, again, they're just gonna just quickly check about the payslip, try and grab one of those, and just to see how you went with Colonial, make sure there's no issues over there and and you're happy with all of that.","start":1687.52,"end":1698.135,"sentiment":"neutral","sentiment_score":0.3116665764189348},{"text":"We'll go payslip and CFS.","start":1700.115,"end":1703.175,"sentiment":"neutral","sentiment_score":0.16695800125598909},{"text":"Is it at all possible would it be easier to send you an email and get one of the payslips and the colonial statement emailed back to us, or would you prefer a phone call?","start":1705.49,"end":1715.51,"sentiment":"neutral","sentiment_score":0.10114283902304513},{"text":"Perfect.","start":1729.68,"end":1730.16,"sentiment":"positive","sentiment_score":0.4789363741874695},{"text":"So you'll basically have two emails.","start":1730.16,"end":1732.88,"sentiment":"neutral","sentiment_score":0.2752133011817932}],"sentiment":"neutral","sentiment_score":0.21912880893796682,"num_words":88,"start":1687.52,"end":1732.88},{"sentences":[{"text":"The one I've sent you today is the annual review pack.","start":1732.88,"end":1735.92,"sentiment":"neutral","sentiment_score":0.30336800894953986},{"text":"So that's got your performance, your insurance certificate, a financial services guide from us with our updated licensing information, and it's also got your ongoing service agreement as well.","start":1735.92,"end":1748.175,"sentiment":"neutral","sentiment_score":0.22656094771007013},{"text":"I'll send you a separate email just for the administration side of things that you can reply to.","start":1748.175,"end":1753.47,"sentiment":"neutral","sentiment_score":0.16237246534890598},{"text":"Perfect.","start":1755.39,"end":1755.89,"sentiment":"positive","sentiment_score":0.465966671705246},{"text":"Now with that service agreement, I do have to ask if you're still comfortable to remain a client of Oakview's and if you're happy for us to continue looking after your super.","start":1756.27,"end":1764.45,"sentiment":"neutral","sentiment_score":0.2055469115730375}],"sentiment":"neutral","sentiment_score":0.21838997582812886,"num_words":91,"start":1732.88,"end":1764.45},{"sentences":[{"text":"Perfect.","start":1766.765,"end":1767.165,"sentiment":"positive","sentiment_score":0.3894002139568329},{"text":"So I'm just gonna grab up your hub twenty four account, and I'll let you know the agreement dates just so you're aware.","start":1767.165,"end":1776.785,"sentiment":"neutral","sentiment_score":0.17782260283179904},{"text":"So your reference date oh, there we go.","start":1776.845,"end":1780.94,"sentiment":"neutral","sentiment_score":0.03847495885565877},{"text":"So it actually expired two days ago.","start":1780.94,"end":1782.78,"sentiment":"neutral","sentiment_score":-0.060778936105115075},{"text":"So just letting you know that it's just clicked off.","start":1782.78,"end":1785.84,"sentiment":"neutral","sentiment_score":0.07466579340398312}],"sentiment":"neutral","sentiment_score":0.10425153329056136,"num_words":49,"start":1766.765,"end":1785.84},{"sentences":[{"text":"The updated agreement is in there.","start":1786.38,"end":1788.48,"sentiment":"neutral","sentiment_score":0.16796078036228815},{"text":"It should be the usual 1.65Percent cap as well once you hit 600,000 in your balance.","start":1788.86,"end":1797.9651,"sentiment":"neutral","sentiment_score":0.21576955541968346},{"text":"Now I'm just gonna double check the documents that I sent you because we have been doing a tax file number form as well, and I just wanna double check if I've sent that through to you.","start":1800.105,"end":1811.1,"sentiment":"neutral","sentiment_score":0.12881742156035192},{"text":"So we have your service agreement with Hub, and then, yes, we have put that in there.","start":1813.0,"end":1818.22,"sentiment":"neutral","sentiment_score":0.13783560474129283},{"text":"I just wanted to let you know what that form was about because of all of the cybersecurity issues last year, we're just getting clients to opt in to us holding that tax file number on the one document because it's a pretty sensitive number to hold, and we just wanna make sure that we still have your consent.","start":1818.76,"end":1835.2,"sentiment":"neutral","sentiment_score":0.04026008207919234}],"sentiment":"neutral","sentiment_score":0.10329535029552601,"num_words":135,"start":1786.38,"end":1835.2},{"sentences":[{"text":"Perfect.","start":1837.5,"end":1838.0,"sentiment":"positive","sentiment_score":0.5952757596969604},{"text":"So if you can have a look through there, when you open up that new email from our new system, it'll have all of your annual review pack attached like a regular email with PDF attachments at the bottom, and then there'll be a link for the service agreement as well if you could please sign that.","start":1838.22,"end":1853.625,"sentiment":"neutral","sentiment_score":0.253299110291297},{"text":"Amazing.","start":1855.685,"end":1856.185,"sentiment":"positive","sentiment_score":0.5751806497573853},{"text":"Do you have any questions for me, Ximena, before I let you go?","start":1856.325,"end":1859.07,"sentiment":"neutral","sentiment_score":0.2432543899004276},{"text":"Yeah.","start":1870.11,"end":1870.61,"sentiment":"neutral","sentiment_score":0.01410428248345852}],"sentiment":"neutral","sentiment_score":0.25732763078420945,"num_words":73,"start":1837.5,"end":1870.61},{"sentences":[{"text":"Oh, yeah.","start":1879.085,"end":1879.725,"sentiment":"neutral","sentiment_score":0.020085617899894714},{"text":"So if we, for example, could get a statement, that will tell me what investment options are there, and then I can figure out if there's any issues that I can spot as a bit of a second cursory glance.","start":1879.725,"end":1891.9299,"sentiment":"neutral","sentiment_score":0.007199808425502852},{"text":"I'm not gonna tell you what to do with that account, but I just wanna double check it for you to see if there's any major risks.","start":1892.23,"end":1898.41,"sentiment":"neutral","sentiment_score":0.000858552477977894},{"text":"If you can find the investment option names, that would help too.","start":1899.365,"end":1903.605,"sentiment":"neutral","sentiment_score":0.10245404268304507},{"text":"But if it's on the statement, that kind of skips and speeds it up a little bit for you.","start":1903.605,"end":1908.665,"sentiment":"neutral","sentiment_score":0.08236981947955332}],"sentiment":"neutral","sentiment_score":0.03145819572033361,"num_words":100,"start":1879.085,"end":1908.665},{"sentences":[{"text":"Would that be okay?","start":1910.725,"end":1911.785,"sentiment":"neutral","sentiment_score":0.12764771096408367},{"text":"Easy done.","start":1918.96,"end":1919.6799,"sentiment":"positive","sentiment_score":0.4858260899782181},{"text":"So I will leave that Odoo sign with you now, and then I'm gonna go away and I'll shoot you an email for those two.","start":1919.6799,"end":1926.82,"sentiment":"neutral","sentiment_score":0.2022378158569336},{"text":"The email should come from me with my email signature.","start":1927.625,"end":1931.645,"sentiment":"neutral","sentiment_score":0.29428601264953613},{"text":"So if you could please reply to that one with the documents, that would be fantastic.","start":1931.785,"end":1935.885,"sentiment":"positive","sentiment_score":0.4409331176429987}],"sentiment":"neutral","sentiment_score":0.29010488471963947,"num_words":57,"start":1910.725,"end":1935.885},{"sentences":[{"text":"Amazing.","start":1938.505,"end":1939.005,"sentiment":"positive","sentiment_score":0.38410645723342896},{"text":"Anything else I can do for you before I let you go?","start":1939.145,"end":1941.48,"sentiment":"neutral","sentiment_score":0.12402912726004918},{"text":"Awesome.","start":1948.84,"end":1949.32,"sentiment":"positive","sentiment_score":0.7326375842094421},{"text":"So once that email comes back to us, if there's anything that we're worried about, we'll give you a call of a morning time.","start":1949.32,"end":1957.1799,"sentiment":"neutral","sentiment_score":0.2891474924981594},{"text":"If not, probably in about two weeks' time, the team will get you booked in with me just to go through that updated super portfolio.","start":1957.665,"end":1963.925,"sentiment":"neutral","sentiment_score":0.17466700941324234}],"sentiment":"neutral","sentiment_score":0.22081442260079914,"num_words":63,"start":1938.505,"end":1963.925},{"sentences":[{"text":"Amazing, You have a fantastic evening, and thank you so much for your time today.","start":1965.963,"end":1970.063,"sentiment":"positive","sentiment_score":0.862198269367218},{"text":"Thank you.","start":1971.643,"end":1972.203,"sentiment":"positive","sentiment_score":0.6235644817352295},{"text":"Bye.","start":1972.203,"end":1972.703,"sentiment":"positive","sentiment_score":0.3640410900115967}],"sentiment":"positive","sentiment_score":0.8080080052216848,"num_words":18,"start":1965.963,"end":1972.703}]}}]},{"alternatives":[{"transcript":"Hi. Samina speaking. Hello? I'm good. Thank you, Tommy. How are you? Oh, there it's nice and sunny here in Melbourne. Yes. Oh, we've been lucky this past week. It's been quite stable weather, so it's good. Yep. Sure. That's fine. Yep. It's '76, and it's one at Nelson Avenue, Nunawading, Victoria 3131. Yeah. That's fine. If you just wanna walk me through it, then I'll have a look at it a bit late a bit later. Yeah. Mhmm. That's a great question. You're not sure yet. I guess I guess if something comes to me, I'll I'll I can mention it as we go along. Yep. Yep. I guess the only thing recently is, obviously, I've been thinking about purchasing my own first property. So I've been doing some inquiries about that with my bank in terms of how much, you know, how much I can borrow. So that's, I guess, the only yeah. That's the only thing that's come up recently. Yes. Yes. Mhmm. Yes. So last time I looked, it was about, yeah, about 77 yeah. That's 77,000 with that, yeah, with that other account. Yes. Yeah. So they gave me they gave me a figure based on based on, obviously, my date details. And, yeah, obviously, with the with the what I've got saved so far that obviously contribute towards towards the deposit. Yes. So that was that was the aim to use that to use that as mainly for the deposit. Yes. The last statement I had from them was about it it was about 77,000 in that one. Oh, sorry. Sorry. No. So the 77 was in the that that that account. And then in terms of other savings, I've got about 28,000 in a different, you know, different bank account. Yeah. Yeah. Yeah. When you put it together like that, yes. Yeah. That's definitely that's the plan. So I've just gotta get some fill out some paperwork with the bank so just to get a preapproval, and then then then I need to start looking for looking for a place. Yep. That's a good question. It would obviously have a a a mix, but I don't know the I don't I don't know the exact details as we're talking now. I'd have to I'd have to follow that one up. Mhmm. Mhmm. Mhmm. No. I don't remember off top of my head. I'd have to I'd have to I'd have to check. I'm sorry. Is that one? Yeah. Yeah. That's fine. I'll I'll I'll yeah. I'll follow that up with the with the bank that manages it. Yep. Mhmm. Sure. Yes. So the the car has been paid off. I still have a small amount of credit card debt, but not nothing at nothing huge. So No. Nothing like that. No. No. Mhmm. Yeah. Yeah. That's still correct. Yeah. So there are the job title is client manager, and it is man with the call testing lab. So yes. Yes. It sounds about right. No. My job's more office based, so I'm mainly on computer. Yes. That's correct. Mhmm. Yeah. That's still okay. Yes. Yep. Yes. I do. So I've got a yeah. I've got a set up to to to, excuse me, deposit regularly into of different bank accounts. So come on. Number escapes me off top of my head at the moment. But, yeah, I I do have that set up. So it goes out automatic automatically into those into those separate saving accounts. Yep. So I've got a couple. So I've got one for one for sort of bills and then one sort of for more longer longer term. So I don't know, like, if I wanted to take a holiday, for example, or or something something else. So, yeah, I've got I've got a couple of different ones for different purposes. So so I could've, you know, one for more short term, one for more longer term savings. Oh, no. Never. No. I still have to do that. So that's on my list of things to do. Oh, okay. Okay. Yeah. That's good to know. Because, yeah, I think it's well, I'm certainly with my current situation, it'd be pretty if I set one up now, it'd be pretty pretty simple. So that's good to know. Yeah. That was my pretty much my intention. Yes. Yes. Okay. Oh, okay. Okay. Sure. Yep. I haven't for a while, to be honest. I I definitely should, but I I, you know, life gets in the way sometimes. Mhmm. I would assume that perhaps maybe it's gone down slightly just based on what's happening with the market at the moment or or what's been happening, you know, recently. This yeah. Mhmm. Mhmm. Yep. Sure. No. That's right. Yes. Okay. That's pretty good. Oh, wow. That's that's great. Mhmm. Oh, yes. Okay. Yep. Okay. Wonderful. Okay. Mhmm. Mhmm. Yep. Sure. No. Not no. Not really. No. Mhmm. Oh, okay. No. I'm I'm like for life sounds like sounds fine. Mhmm. Okay. Sure. Oh, and congratulations. How exciting. How how old are your boys? Very good. Of course. No. That sounds good so far. I'm I I definitely wanna continue with it. I'm happy to keep it the the the same amount. Mhmm. Mhmm. Okay. Okay. Yes. Yep. Yep. Of course, it would. Yes. No. I'm I'm familiar with that. Yes. Mhmm. Yeah. Yeah. No. It's definitely for sure. I can I could I could see that happening? Yeah. Yeah. Mhmm. I still think it's probably useful to useful to have. I guess, because you just you never know. And especially if I yeah. Because especially if I'm looking to go into the home market and and get a a larger loan, and then, you know, if something happens and I can't yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Mhmm. Mhmm. Yep. Okay. Yes. At the moment at the yeah. At the moment, I I think it'd be good to keep it. Yes. Yep. About that. Yes. Oh, okay. Oh, okay. Okay. Yep. Mhmm. Mhmm. I could I could send through a a recent pay slip if if to to you if that helps. Mhmm. Yeah. They have been recently. I mean, I've I've I had a look at a recent statement, and they were pretty consistent fortnightly payment. So but, yeah, I'll I'll I just can't I'll stop my head. The the an the annual so so I can send you through a pay slip so that should help you out. Mhmm. Yeah. No problem. Oh, okay. Yeah. Yeah. No. That's fine. Mhmm. No. Everything's good so far. Yes. There's nothing that comes to mind at the moment. Mhmm. Yeah. That's that sounds and then then that that sounds yeah. That sounds like what I would would have discussed previously. Yeah. Yeah. Yes. Sure. Next week. Is there a certain time with our time or date that you're think thinking of? Yeah. That's right. That's yeah. We're we're all on the same should be on the same time now. Mhmm. Oh, okay. Just thinking of me. Probably perhaps, like, in the in the in the morning sometime would be would be good. I'd I'd I usually start work early, so anytime I update is fine for me. Yeah. Mhmm. Yes. Mhmm. No. It's fine. If you send me an email, I can I can access those and get those get those to you? Mhmm. Mhmm. Mhmm. Okay. Yes. Yes. Oh, there you go. Okay. Mhmm. Okay. Yep. Mhmm. Okay. Yep. So I just wanted to clarify with that Colonial account. I'd I'd you wanted me to find out the risk level. So or just this oh, okay. Okay. Sure. Yeah. Yeah. Sure. Yep. Okay. No problem. I'll I'll I'll see if I can dig dig that up for you and include that when I send through the pay slip. Mhmm. Mhmm. Mhmm. Okay. Yeah. Sure. No. That that's that's all that's all. Thank you. Mhmm. Okay. That that sounds good. You too. Thank you. Okay. 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Samina speaking. Hello? I'm good. Thank you, Tommy.\n\nHow are you? Oh, there it's nice and sunny here in Melbourne. Yes. Oh, we've been lucky this past week. It's been quite stable weather, so it's good.\n\nYep. Sure. That's fine. Yep. It's '76, and it's one at Nelson Avenue, Nunawading, Victoria 3131.\n\nYeah. That's fine. If you just wanna walk me through it, then I'll have a look at it a bit late a bit later. Yeah. Mhmm.\n\nThat's a great question. You're not sure yet. I guess I guess if something comes to me, I'll I'll I can mention it as we go along. Yep. Yep.\n\nI guess the only thing recently is, obviously, I've been thinking about purchasing my own first property. So I've been doing some inquiries about that with my bank in terms of how much, you know, how much I can borrow. So that's, I guess, the only yeah. That's the only thing that's come up recently. Yes.\n\nYes. Mhmm. Yes. So last time I looked, it was about, yeah, about 77 yeah. That's 77,000 with that, yeah, with that other account.\n\nYes. Yeah. So they gave me they gave me a figure based on based on, obviously, my date details. And, yeah, obviously, with the with the what I've got saved so far that obviously contribute towards towards the deposit. Yes.\n\nSo that was that was the aim to use that to use that as mainly for the deposit. Yes. The last statement I had from them was about it it was about 77,000 in that one. Oh, sorry. Sorry.\n\nNo. So the 77 was in the that that that account. And then in terms of other savings, I've got about 28,000 in a different, you know, different bank account. Yeah. Yeah.\n\nYeah. When you put it together like that, yes. Yeah. That's definitely that's the plan. So I've just gotta get some fill out some paperwork with the bank so just to get a preapproval, and then then then I need to start looking for looking for a place.\n\nYep. That's a good question. It would obviously have a a a mix, but I don't know the I don't I don't know the exact details as we're talking now. I'd have to I'd have to follow that one up. Mhmm.\n\nMhmm. Mhmm. No. I don't remember off top of my head. I'd have to I'd have to I'd have to check.\n\nI'm sorry. Is that one? Yeah. Yeah. That's fine.\n\nI'll I'll I'll yeah. I'll follow that up with the with the bank that manages it. Yep. Mhmm. Sure.\n\nYes. So the the car has been paid off. I still have a small amount of credit card debt, but not nothing at nothing huge. So No. Nothing like that.\n\nNo. No. Mhmm. Yeah. Yeah.\n\nThat's still correct. Yeah. So there are the job title is client manager, and it is man with the call testing lab. So yes. Yes.\n\nIt sounds about right. No. My job's more office based, so I'm mainly on computer. Yes. That's correct.\n\nMhmm. Yeah. That's still okay. Yes. Yep.\n\nYes. I do. So I've got a yeah. I've got a set up to to to, excuse me, deposit regularly into of different bank accounts. So come on.\n\nNumber escapes me off top of my head at the moment. But, yeah, I I do have that set up. So it goes out automatic automatically into those into those separate saving accounts. Yep. So I've got a couple.\n\nSo I've got one for one for sort of bills and then one sort of for more longer longer term. So I don't know, like, if I wanted to take a holiday, for example, or or something something else. So, yeah, I've got I've got a couple of different ones for different purposes. So so I could've, you know, one for more short term, one for more longer term savings. Oh, no.\n\nNever. No. I still have to do that. So that's on my list of things to do. Oh, okay.\n\nOkay. Yeah. That's good to know. Because, yeah, I think it's well, I'm certainly with my current situation, it'd be pretty if I set one up now, it'd be pretty pretty simple. So that's good to know.\n\nYeah. That was my pretty much my intention. Yes. Yes. Okay.\n\nOh, okay. Okay. Sure. Yep. I haven't for a while, to be honest.\n\nI I definitely should, but I I, you know, life gets in the way sometimes. Mhmm. I would assume that perhaps maybe it's gone down slightly just based on what's happening with the market at the moment or or what's been happening, you know, recently. This yeah. Mhmm.\n\nMhmm. Yep. Sure. No. That's right.\n\nYes. Okay. That's pretty good. Oh, wow. That's that's great.\n\nMhmm. Oh, yes. Okay. Yep. Okay.\n\nWonderful. Okay. Mhmm. Mhmm. Yep.\n\nSure. No. Not no. Not really. No.\n\nMhmm. Oh, okay. No. I'm I'm like for life sounds like sounds fine. Mhmm.\n\nOkay. Sure. Oh, and congratulations. How exciting. How how old are your boys?\n\nVery good. Of course. No. That sounds good so far. I'm I I definitely wanna continue with it.\n\nI'm happy to keep it the the the same amount. Mhmm. Mhmm. Okay. Okay.\n\nYes. Yep. Yep. Of course, it would. Yes.\n\nNo. I'm I'm familiar with that. Yes. Mhmm. Yeah.\n\nYeah. No. It's definitely for sure. I can I could I could see that happening? Yeah.\n\nYeah. Mhmm. I still think it's probably useful to useful to have. I guess, because you just you never know. And especially if I yeah.\n\nBecause especially if I'm looking to go into the home market and and get a a larger loan, and then, you know, if something happens and I can't yeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Mhmm. Mhmm. Yep. Okay.\n\nYes. At the moment at the yeah. At the moment, I I think it'd be good to keep it. Yes. Yep.\n\nAbout that. Yes. Oh, okay. Oh, okay. Okay.\n\nYep. Mhmm. Mhmm. I could I could send through a a recent pay slip if if to to you if that helps. Mhmm.\n\nYeah. They have been recently. I mean, I've I've I had a look at a recent statement, and they were pretty consistent fortnightly payment. So but, yeah, I'll I'll I just can't I'll stop my head. The the an the annual so so I can send you through a pay slip so that should help you out.\n\nMhmm. Yeah. No problem. Oh, okay. Yeah.\n\nYeah. No. That's fine. Mhmm. No.\n\nEverything's good so far. Yes. There's nothing that comes to mind at the moment. Mhmm. Yeah.\n\nThat's that sounds and then then that that sounds yeah. That sounds like what I would would have discussed previously. Yeah. Yeah. Yes.\n\nSure. Next week. Is there a certain time with our time or date that you're think thinking of? Yeah. That's right.\n\nThat's yeah. We're we're all on the same should be on the same time now. Mhmm. Oh, okay. Just thinking of me.\n\nProbably perhaps, like, in the in the in the morning sometime would be would be good. I'd I'd I usually start work early, so anytime I update is fine for me. Yeah. Mhmm. Yes.\n\nMhmm. No. It's fine. If you send me an email, I can I can access those and get those get those to you? Mhmm.\n\nMhmm. Mhmm. Okay. Yes. Yes.\n\nOh, there you go. Okay. Mhmm. Okay. Yep.\n\nMhmm. Okay. Yep. So I just wanted to clarify with that Colonial account. I'd I'd you wanted me to find out the risk level.\n\nSo or just this oh, okay. Okay. Sure. Yeah. Yeah.\n\nSure. Yep. Okay. No problem. I'll I'll I'll see if I can dig dig that up for you and include that when I send through the pay slip.\n\nMhmm. Mhmm. Mhmm. Okay. Yeah.\n\nSure. No. That that's that's all that's all. Thank you. Mhmm.\n\nOkay. That that sounds good. You too. Thank you. Okay.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.24,"end":0.39999998,"sentiment":"neutral","sentiment_score":0.038568299263715744},{"text":"Samina speaking.","start":0.39999998,"end":1.3,"sentiment":"neutral","sentiment_score":0.02781054750084877},{"text":"Hello?","start":3.76,"end":4.26,"sentiment":"neutral","sentiment_score":0.02717721462249756},{"text":"I'm good.","start":7.8399997,"end":8.32,"sentiment":"positive","sentiment_score":0.45270487666130066},{"text":"Thank you, Tommy.","start":8.32,"end":8.96,"sentiment":"positive","sentiment_score":0.5950465401013693}],"sentiment":"neutral","sentiment_score":0.3124351091682911,"num_words":9,"start":0.24,"end":8.96},{"sentences":[{"text":"How are you?","start":8.96,"end":9.78,"sentiment":"positive","sentiment_score":0.34955642620722455},{"text":"Oh, there it's nice and sunny here in Melbourne.","start":14.924999,"end":17.105,"sentiment":"neutral","sentiment_score":0.2626450690958235},{"text":"Yes.","start":17.165,"end":17.665,"sentiment":"neutral","sentiment_score":0.2308172583580017},{"text":"Oh, we've been lucky this past week.","start":21.564999,"end":23.485,"sentiment":"neutral","sentiment_score":0.3003170298678534},{"text":"It's been quite stable weather, so it's good.","start":23.485,"end":26.07,"sentiment":"positive","sentiment_score":0.5027301795780659}],"sentiment":"positive","sentiment_score":0.3488340287336281,"num_words":28,"start":8.96,"end":26.07},{"sentences":[{"text":"Yep.","start":31.83,"end":32.15,"sentiment":"neutral","sentiment_score":0.10616713762283324},{"text":"Sure.","start":32.15,"end":32.65,"sentiment":"neutral","sentiment_score":0.1615462303161621},{"text":"That's fine.","start":37.19,"end":38.085,"sentiment":"neutral","sentiment_score":0.17065759003162384},{"text":"Yep.","start":47.045,"end":47.364998,"sentiment":"neutral","sentiment_score":0.03033526986837387},{"text":"It's '76, and it's one at Nelson Avenue, Nunawading, Victoria 3131.","start":47.364998,"end":56.0,"sentiment":"neutral","sentiment_score":0.041979310526089234}],"sentiment":"neutral","sentiment_score":0.0688210146035999,"num_words":16,"start":31.83,"end":56.0},{"sentences":[{"text":"Yeah.","start":65.1,"end":65.34,"sentiment":"neutral","sentiment_score":0.10345592349767684},{"text":"That's fine.","start":65.34,"end":66.159996,"sentiment":"neutral","sentiment_score":0.17170479148626328},{"text":"If you just wanna walk me through it, then I'll have a look at it a bit late a bit later.","start":73.665,"end":78.305,"sentiment":"neutral","sentiment_score":0.11239029963811238},{"text":"Yeah.","start":78.305,"end":78.805,"sentiment":"neutral","sentiment_score":0.08954862505197525},{"text":"Mhmm.","start":88.09,"end":88.59,"sentiment":"neutral","sentiment_score":0.024265505373477936}],"sentiment":"neutral","sentiment_score":0.11234138189600064,"num_words":26,"start":65.1,"end":88.59},{"sentences":[{"text":"That's a great question.","start":94.425,"end":95.565,"sentiment":"neutral","sentiment_score":0.05142393568530679},{"text":"You're not sure yet.","start":102.265,"end":103.145004,"sentiment":"neutral","sentiment_score":-0.0034571916330605745},{"text":"I guess I guess if something comes to me, I'll I'll I can mention it as we go along.","start":103.145004,"end":108.34,"sentiment":"neutral","sentiment_score":0.07346076283015703},{"text":"Yep.","start":113.52,"end":114.02,"sentiment":"neutral","sentiment_score":0.07062190771102905},{"text":"Yep.","start":114.8,"end":115.3,"sentiment":"neutral","sentiment_score":0.039256125688552856}],"sentiment":"neutral","sentiment_score":0.05853446563384656,"num_words":29,"start":94.425,"end":115.3},{"sentences":[{"text":"I guess the only thing recently is, obviously, I've been thinking about purchasing my own first property.","start":120.405,"end":127.924995,"sentiment":"neutral","sentiment_score":-0.015419974594431765},{"text":"So I've been doing some inquiries about that with my bank in terms of how much, you know, how much I can borrow.","start":127.924995,"end":136.64,"sentiment":"neutral","sentiment_score":0.029837315335221912},{"text":"So that's, I guess, the only yeah.","start":138.06,"end":139.90001,"sentiment":"neutral","sentiment_score":0.03681178790118013},{"text":"That's the only thing that's come up recently.","start":139.90001,"end":141.84001,"sentiment":"neutral","sentiment_score":0.04710648534819484},{"text":"Yes.","start":148.655,"end":148.975,"sentiment":"neutral","sentiment_score":0.13345476984977722}],"sentiment":"neutral","sentiment_score":0.02128764022407787,"num_words":56,"start":120.405,"end":148.975},{"sentences":[{"text":"Yes.","start":148.975,"end":149.455,"sentiment":"neutral","sentiment_score":0.11498761922121048},{"text":"Mhmm.","start":149.455,"end":149.955,"sentiment":"neutral","sentiment_score":0.09587934613227844},{"text":"Yes.","start":156.095,"end":156.41501,"sentiment":"neutral","sentiment_score":0.04224393889307976},{"text":"So last time I looked, it was about, yeah, about 77 yeah.","start":156.41501,"end":162.255,"sentiment":"neutral","sentiment_score":0.01778583973646164},{"text":"That's 77,000 with that, yeah, with that other account.","start":162.255,"end":166.46,"sentiment":"neutral","sentiment_score":0.03390243090689182}],"sentiment":"neutral","sentiment_score":0.03215261913525561,"num_words":24,"start":148.975,"end":166.46},{"sentences":[{"text":"Yes.","start":166.46,"end":166.96,"sentiment":"neutral","sentiment_score":0.23818624019622803},{"text":"Yeah.","start":175.955,"end":176.115,"sentiment":"neutral","sentiment_score":0.06863704323768616},{"text":"So they gave me they gave me a figure based on based on, obviously, my date details.","start":176.115,"end":186.375,"sentiment":"neutral","sentiment_score":0.08017019029049312},{"text":"And, yeah, obviously, with the with the what I've got saved so far that obviously contribute towards towards the deposit.","start":187.715,"end":198.19,"sentiment":"neutral","sentiment_score":0.13540491946041583},{"text":"Yes.","start":208.825,"end":209.145,"sentiment":"neutral","sentiment_score":0.04703109711408615}],"sentiment":"neutral","sentiment_score":0.1106211501173675,"num_words":40,"start":166.46,"end":209.145},{"sentences":[{"text":"So that was that was the aim to use that to use that as mainly for the deposit.","start":209.145,"end":214.365,"sentiment":"neutral","sentiment_score":0.04277416163434585},{"text":"Yes.","start":214.585,"end":214.83,"sentiment":"neutral","sentiment_score":0.09791558980941772},{"text":"The last statement I had from them was about it it was about 77,000 in that one.","start":221.87,"end":229.995,"sentiment":"neutral","sentiment_score":0.019971760756829205},{"text":"Oh, sorry.","start":236.375,"end":237.015,"sentiment":"neutral","sentiment_score":-0.02220061095431447},{"text":"Sorry.","start":237.015,"end":237.33499,"sentiment":"neutral","sentiment_score":-0.0468229278922081}],"sentiment":"neutral","sentiment_score":0.028619135443407755,"num_words":39,"start":209.145,"end":237.33499},{"sentences":[{"text":"No.","start":237.33499,"end":237.575,"sentiment":"neutral","sentiment_score":-0.06452067196369171},{"text":"So the 77 was in the that that that account.","start":237.575,"end":241.435,"sentiment":"neutral","sentiment_score":-0.03387901075184345},{"text":"And then in terms of other savings, I've got about 28,000 in a different, you know, different bank account.","start":242.25,"end":250.43001,"sentiment":"neutral","sentiment_score":0.01745870694714157},{"text":"Yeah.","start":254.73001,"end":255.05,"sentiment":"neutral","sentiment_score":0.10827614367008208},{"text":"Yeah.","start":255.05,"end":255.37001,"sentiment":"neutral","sentiment_score":0.11394402384757996}],"sentiment":"neutral","sentiment_score":0.0047070256259758025,"num_words":32,"start":237.33499,"end":255.37001},{"sentences":[{"text":"Yeah.","start":255.37001,"end":255.69,"sentiment":"neutral","sentiment_score":0.1177649199962616},{"text":"When you put it together like that, yes.","start":255.69,"end":257.475,"sentiment":"neutral","sentiment_score":0.1648978814482689},{"text":"Yeah.","start":264.515,"end":264.915,"sentiment":"neutral","sentiment_score":0.2489294111728668},{"text":"That's definitely that's the plan.","start":264.915,"end":267.015,"sentiment":"positive","sentiment_score":0.5588218331336975},{"text":"So I've just gotta get some fill out some paperwork with the bank so just to get a preapproval, and then then then I need to start looking for looking for a place.","start":267.23502,"end":278.74,"sentiment":"neutral","sentiment_score":0.11272991437352065}],"sentiment":"neutral","sentiment_score":0.17083486922395727,"num_words":48,"start":255.37001,"end":278.74},{"sentences":[{"text":"Yep.","start":284.24,"end":284.655,"sentiment":"neutral","sentiment_score":-0.0248235072940588},{"text":"That's a good question.","start":302.43002,"end":303.65002,"sentiment":"neutral","sentiment_score":0.19526603445410728},{"text":"It would obviously have a a a mix, but I don't know the I don't I don't know the exact details as we're talking now.","start":304.99002,"end":314.275,"sentiment":"neutral","sentiment_score":-0.16751247227191926},{"text":"I'd have to I'd have to follow that one up.","start":314.275,"end":316.695,"sentiment":"neutral","sentiment_score":-0.1107694536447525},{"text":"Mhmm.","start":327.475,"end":327.79498,"sentiment":"neutral","sentiment_score":-0.18481478095054624}],"sentiment":"neutral","sentiment_score":-0.11522147545545566,"num_words":41,"start":284.24,"end":327.79498},{"sentences":[{"text":"Mhmm.","start":327.79498,"end":328.29498,"sentiment":"neutral","sentiment_score":-0.05416663736104965},{"text":"Mhmm.","start":328.89,"end":329.39,"sentiment":"neutral","sentiment_score":-0.009041927754878998},{"text":"No.","start":342.57,"end":342.81,"sentiment":"neutral","sentiment_score":-0.17247769236564636},{"text":"I don't remember off top of my head.","start":342.81,"end":344.11502,"sentiment":"neutral","sentiment_score":-0.2647890690714121},{"text":"I'd have to I'd have to I'd have to check.","start":344.11502,"end":346.67502,"sentiment":"neutral","sentiment_score":-0.17838837951421738}],"sentiment":"neutral","sentiment_score":-0.1970420288188117,"num_words":21,"start":327.79498,"end":346.67502},{"sentences":[{"text":"I'm sorry.","start":346.67502,"end":347.415,"sentiment":"neutral","sentiment_score":-0.13749663531780243},{"text":"Is that one?","start":347.475,"end":348.295,"sentiment":"neutral","sentiment_score":-0.0734560489654541},{"text":"Yeah.","start":364.28998,"end":364.53,"sentiment":"neutral","sentiment_score":0.034725502133369446},{"text":"Yeah.","start":364.53,"end":364.85,"sentiment":"neutral","sentiment_score":0.035008423030376434},{"text":"That's fine.","start":364.85,"end":365.33,"sentiment":"neutral","sentiment_score":0.11184077709913254}],"sentiment":"neutral","sentiment_score":-0.022438437574439578,"num_words":9,"start":346.67502,"end":365.33},{"sentences":[{"text":"I'll I'll I'll yeah.","start":365.33,"end":367.33,"sentiment":"neutral","sentiment_score":0.0853323694318533},{"text":"I'll follow that up with the with the bank that manages it.","start":367.33,"end":373.005,"sentiment":"neutral","sentiment_score":0.09569236760338147},{"text":"Yep.","start":373.005,"end":373.505,"sentiment":"neutral","sentiment_score":0.07848460227251053},{"text":"Mhmm.","start":386.94,"end":387.44,"sentiment":"neutral","sentiment_score":-0.032915469259023666},{"text":"Sure.","start":390.13998,"end":390.63998,"sentiment":"neutral","sentiment_score":0.1780132353305817}],"sentiment":"neutral","sentiment_score":0.09016948722695049,"num_words":19,"start":365.33,"end":390.63998},{"sentences":[{"text":"Yes.","start":407.915,"end":408.315,"sentiment":"neutral","sentiment_score":0.02963007614016533},{"text":"So the the car has been paid off.","start":408.315,"end":412.07,"sentiment":"neutral","sentiment_score":0.032458765897899866},{"text":"I still have a small amount of credit card debt, but not nothing at nothing huge.","start":413.01,"end":417.57,"sentiment":"neutral","sentiment_score":0.20789123885333538},{"text":"So No.","start":417.57,"end":424.975,"sentiment":"neutral","sentiment_score":0.09723672829568385},{"text":"Nothing like 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correct.","start":462.665,"end":463.725,"sentiment":"neutral","sentiment_score":0.03942480310797691},{"text":"Yeah.","start":464.17,"end":464.41,"sentiment":"neutral","sentiment_score":0.03193303942680359},{"text":"So there are the job title is client manager, and it is man with the call testing lab.","start":464.41,"end":470.57,"sentiment":"neutral","sentiment_score":0.025461097144418292},{"text":"So yes.","start":470.57,"end":471.55002,"sentiment":"neutral","sentiment_score":0.07749233581125736},{"text":"Yes.","start":481.065,"end":481.38498,"sentiment":"neutral","sentiment_score":0.054837241768836975}],"sentiment":"neutral","sentiment_score":0.03273316442966461,"num_words":25,"start":462.665,"end":481.38498},{"sentences":[{"text":"It sounds about right.","start":481.38498,"end":482.60498,"sentiment":"neutral","sentiment_score":0.05424232501536608},{"text":"No.","start":493.24002,"end":493.4,"sentiment":"neutral","sentiment_score":-0.05069147050380707},{"text":"My job's more office based, so I'm mainly on computer.","start":493.4,"end":496.06,"sentiment":"neutral","sentiment_score":-0.014367552939802408},{"text":"Yes.","start":499.4,"end":499.64,"sentiment":"neutral","sentiment_score":0.06703606992959976},{"text":"That's correct.","start":499.64,"end":500.325,"sentiment":"neutral","sentiment_score":0.14902647957205772}],"sentiment":"neutral","sentiment_score":0.021538407179630466,"num_words":18,"start":481.38498,"end":500.325},{"sentences":[{"text":"Mhmm.","start":510.005,"end":510.505,"sentiment":"neutral","sentiment_score":0.0790204405784607},{"text":"Yeah.","start":511.685,"end":511.92502,"sentiment":"neutral","sentiment_score":0.23603980243206024},{"text":"That's still okay.","start":511.92502,"end":512.985,"sentiment":"positive","sentiment_score":0.36955727140108746},{"text":"Yes.","start":522.93005,"end":523.33,"sentiment":"neutral","sentiment_score":0.2258809059858322},{"text":"Yep.","start":523.33,"end":523.83,"sentiment":"neutral","sentiment_score":0.27587342262268066}],"sentiment":"neutral","sentiment_score":0.27506948368889944,"num_words":7,"start":510.005,"end":523.83},{"sentences":[{"text":"Yes.","start":541.92,"end":542.32,"sentiment":"neutral","sentiment_score":0.1643989384174347},{"text":"I do.","start":542.32,"end":542.98,"sentiment":"neutral","sentiment_score":0.1701875850558281},{"text":"So I've got a yeah.","start":543.04,"end":546.64,"sentiment":"neutral","sentiment_score":0.11154325008392334},{"text":"I've got a set up to to to, excuse me, deposit regularly into of different bank accounts.","start":546.64,"end":552.565,"sentiment":"neutral","sentiment_score":0.08787401371142443},{"text":"So come on.","start":552.565,"end":557.445,"sentiment":"neutral","sentiment_score":0.021650657678643864}],"sentiment":"neutral","sentiment_score":0.0936178773242448,"num_words":28,"start":541.92,"end":557.445},{"sentences":[{"text":"Number escapes me off top of my head at the moment.","start":557.445,"end":559.525,"sentiment":"neutral","sentiment_score":-0.07971260849047791},{"text":"But, yeah, I I do have that set up.","start":559.525,"end":560.965,"sentiment":"neutral","sentiment_score":0.16939498649703133},{"text":"So it goes out automatic automatically into those into those separate saving accounts.","start":560.965,"end":567.03,"sentiment":"neutral","sentiment_score":0.2061357589868399},{"text":"Yep.","start":567.03,"end":567.53,"sentiment":"neutral","sentiment_score":0.06841731071472168},{"text":"So I've got a couple.","start":577.095,"end":578.135,"sentiment":"neutral","sentiment_score":0.039372674003243444}],"sentiment":"neutral","sentiment_score":0.09212209570866364,"num_words":39,"start":557.445,"end":578.135},{"sentences":[{"text":"So I've got one for one for sort of bills and then one sort of for more longer longer term.","start":578.135,"end":585.675,"sentiment":"neutral","sentiment_score":0.06565202176570892},{"text":"So I don't know, like, if I wanted to take a holiday, for example, or or something something else.","start":586.135,"end":593.84,"sentiment":"neutral","sentiment_score":0.017533792378871066},{"text":"So, yeah, I've got I've got a couple of different ones for different purposes.","start":593.84,"end":596.4,"sentiment":"neutral","sentiment_score":0.07016141047435147},{"text":"So so I could've, you know, one for more short term, one for more longer term savings.","start":596.4,"end":600.58,"sentiment":"neutral","sentiment_score":0.12013835021678139},{"text":"Oh, no.","start":614.65497,"end":615.055,"sentiment":"neutral","sentiment_score":-0.1171644851565361}],"sentiment":"neutral","sentiment_score":0.061617572507303625,"num_words":72,"start":578.135,"end":615.055},{"sentences":[{"text":"Never.","start":615.055,"end":615.555,"sentiment":"neutral","sentiment_score":-0.06230846047401428},{"text":"No.","start":622.41,"end":622.73,"sentiment":"neutral","sentiment_score":-0.18393456935882568},{"text":"I still have to do that.","start":622.73,"end":623.76996,"sentiment":"neutral","sentiment_score":-0.17364165435234705},{"text":"So that's on my list of things to do.","start":623.76996,"end":625.79,"sentiment":"neutral","sentiment_score":-0.030004793571101293},{"text":"Oh, okay.","start":650.84,"end":651.42,"sentiment":"neutral","sentiment_score":0.19422946870326996}],"sentiment":"neutral","sentiment_score":-0.06156195582527863,"num_words":19,"start":615.055,"end":651.42},{"sentences":[{"text":"Okay.","start":655.16504,"end":655.48505,"sentiment":"neutral","sentiment_score":0.24773608148097992},{"text":"Yeah.","start":655.48505,"end":655.72504,"sentiment":"positive","sentiment_score":0.3503442108631134},{"text":"That's good to know.","start":655.72504,"end":656.445,"sentiment":"positive","sentiment_score":0.6539088487625122},{"text":"Because, yeah, I think it's well, I'm certainly with my current situation, it'd be pretty if I set one up now, it'd be pretty pretty simple.","start":656.445,"end":663.745,"sentiment":"positive","sentiment_score":0.5630035595251963},{"text":"So that's good to 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me.","start":1653.17,"end":1654.63,"sentiment":"neutral","sentiment_score":0.05636755935847759}],"sentiment":"neutral","sentiment_score":0.027156443447893253,"num_words":22,"start":1626.17,"end":1654.63},{"sentences":[{"text":"Probably perhaps, like, in the in the in the morning sometime would be would be good.","start":1659.65,"end":1665.115,"sentiment":"neutral","sentiment_score":0.16527984803542495},{"text":"I'd I'd I usually start work early, so anytime I update is fine for me.","start":1673.7351,"end":1680.08,"sentiment":"neutral","sentiment_score":0.23061395585536956},{"text":"Yeah.","start":1680.08,"end":1680.58,"sentiment":"neutral","sentiment_score":0.21780386567115784},{"text":"Mhmm.","start":1686.24,"end":1686.74,"sentiment":"neutral","sentiment_score":0.06722830981016159},{"text":"Yes.","start":1693.4551,"end":1693.9551,"sentiment":"neutral","sentiment_score":0.3223119080066681}],"sentiment":"neutral","sentiment_score":0.19738326440839207,"num_words":34,"start":1659.65,"end":1693.9551},{"sentences":[{"text":"Mhmm.","start":1698.5751,"end":1699.0751,"sentiment":"neutral","sentiment_score":0.13235235214233398},{"text":"No.","start":1717.2749,"end":1717.5149,"sentiment":"neutral","sentiment_score":-0.01633736677467823},{"text":"It's fine.","start":1717.5149,"end":1717.9149,"sentiment":"neutral","sentiment_score":0.07318748906254768},{"text":"If you send me an email, I can I can access those and get those get those to you?","start":1717.9149,"end":1729.11,"sentiment":"neutral","sentiment_score":0.10104428349356902},{"text":"Mhmm.","start":1734.63,"end":1735.13,"sentiment":"neutral","sentiment_score":0.2851031720638275}],"sentiment":"neutral","sentiment_score":0.10280560508059959,"num_words":24,"start":1698.5751,"end":1735.13},{"sentences":[{"text":"Mhmm.","start":1736.3099,"end":1736.8099,"sentiment":"neutral","sentiment_score":0.21556377410888672},{"text":"Mhmm.","start":1743.365,"end":1743.865,"sentiment":"neutral","sentiment_score":0.1586698293685913},{"text":"Okay.","start":1754.005,"end":1754.43,"sentiment":"neutral","sentiment_score":0.26942554116249084},{"text":"Yes.","start":1765.31,"end":1765.7101,"sentiment":"neutral","sentiment_score":0.15267598628997803},{"text":"Yes.","start":1765.7101,"end":1766.2101,"sentiment":"neutral","sentiment_score":0.22086037695407867}],"sentiment":"neutral","sentiment_score":0.20343910157680511,"num_words":5,"start":1736.3099,"end":1766.2101},{"sentences":[{"text":"Oh, there you go.","start":1783.1799,"end":1784.64,"sentiment":"neutral","sentiment_score":0.08204733207821846},{"text":"Okay.","start":1800.155,"end":1800.655,"sentiment":"neutral","sentiment_score":0.11169704794883728},{"text":"Mhmm.","start":1834.36,"end":1834.86,"sentiment":"neutral","sentiment_score":0.015358220785856249},{"text":"Okay.","start":1836.12,"end":1836.6,"sentiment":"neutral","sentiment_score":0.16358183324337006},{"text":"Yep.","start":1836.6,"end":1837.1,"sentiment":"neutral","sentiment_score":0.29724523425102234}],"sentiment":"neutral","sentiment_score":0.11450895806774497,"num_words":8,"start":1783.1799,"end":1837.1},{"sentences":[{"text":"Mhmm.","start":1847.975,"end":1848.475,"sentiment":"neutral","sentiment_score":0.1263657510280609},{"text":"Okay.","start":1853.92,"end":1854.42,"sentiment":"neutral","sentiment_score":0.32396697998046875},{"text":"Yep.","start":1865.12,"end":1865.62,"sentiment":"neutral","sentiment_score":0.08555260300636292},{"text":"So I just wanted to clarify with that Colonial account.","start":1865.9651,"end":1868.7051,"sentiment":"neutral","sentiment_score":0.03665505275130272},{"text":"I'd I'd you wanted me to find out the risk level.","start":1871.645,"end":1876.525,"sentiment":"neutral","sentiment_score":-0.011970032937824726}],"sentiment":"neutral","sentiment_score":0.03211522913382699,"num_words":24,"start":1847.975,"end":1876.525},{"sentences":[{"text":"So or just this oh, okay.","start":1876.525,"end":1886.32,"sentiment":"neutral","sentiment_score":0.008776084830363592},{"text":"Okay.","start":1888.86,"end":1889.36,"sentiment":"neutral","sentiment_score":0.0037290863692760463},{"text":"Sure.","start":1889.4199,"end":1889.9199,"sentiment":"neutral","sentiment_score":0.010653769597411156},{"text":"Yeah.","start":1897.045,"end":1897.285,"sentiment":"neutral","sentiment_score":-0.018073011189699173},{"text":"Yeah.","start":1897.285,"end":1897.6051,"sentiment":"neutral","sentiment_score":-0.02327817678451538}],"sentiment":"neutral","sentiment_score":0.0025688176974654198,"num_words":10,"start":1876.525,"end":1897.6051},{"sentences":[{"text":"Sure.","start":1897.6051,"end":1898.1051,"sentiment":"neutral","sentiment_score":-0.026828624308109283},{"text":"Yep.","start":1898.7251,"end":1899.2251,"sentiment":"neutral","sentiment_score":0.06836090981960297},{"text":"Okay.","start":1909.1901,"end":1909.6901,"sentiment":"neutral","sentiment_score":0.08418864756822586},{"text":"No problem.","start":1910.79,"end":1911.43,"sentiment":"neutral","sentiment_score":0.1588829979300499},{"text":"I'll I'll I'll see if I can dig dig that up for you and include that when I send through the pay slip.","start":1911.43,"end":1917.975,"sentiment":"neutral","sentiment_score":0.15764417726060617}],"sentiment":"neutral","sentiment_score":0.14533225021192006,"num_words":28,"start":1897.6051,"end":1917.975},{"sentences":[{"text":"Mhmm.","start":1923.655,"end":1924.155,"sentiment":"neutral","sentiment_score":0.12715516984462738},{"text":"Mhmm.","start":1927.255,"end":1927.755,"sentiment":"neutral","sentiment_score":0.18753720819950104},{"text":"Mhmm.","start":1931.975,"end":1932.475,"sentiment":"neutral","sentiment_score":0.2879560589790344},{"text":"Okay.","start":1936.2201,"end":1936.62,"sentiment":"neutral","sentiment_score":0.2591816782951355},{"text":"Yeah.","start":1936.62,"end":1936.9401,"sentiment":"neutral","sentiment_score":0.302715003490448}],"sentiment":"neutral","sentiment_score":0.23290902376174927,"num_words":5,"start":1923.655,"end":1936.9401},{"sentences":[{"text":"Sure.","start":1936.9401,"end":1937.4401,"sentiment":"positive","sentiment_score":0.42933034896850586},{"text":"No.","start":1942.7001,"end":1943.02,"sentiment":"neutral","sentiment_score":-0.1860127151012421},{"text":"That that's that's all that's all.","start":1943.02,"end":1947.5249,"sentiment":"neutral","sentiment_score":-0.056994797041018806},{"text":"Thank you.","start":1947.5249,"end":1948.2649,"sentiment":"positive","sentiment_score":0.7025748491287231},{"text":"Mhmm.","start":1957.605,"end":1958.105,"sentiment":"neutral","sentiment_score":0.03723450377583504}],"sentiment":"neutral","sentiment_score":0.12215755033222112,"num_words":11,"start":1936.9401,"end":1958.105},{"sentences":[{"text":"Okay.","start":1963.89,"end":1964.37,"sentiment":"positive","sentiment_score":0.4719868302345276},{"text":"That that sounds good.","start":1964.37,"end":1965.51,"sentiment":"positive","sentiment_score":0.7772962599992752},{"text":"You too.","start":1970.0499,"end":1970.61,"sentiment":"positive","sentiment_score":0.600157618522644},{"text":"Thank you.","start":1970.61,"end":1971.27,"sentiment":"positive","sentiment_score":0.6849919259548187},{"text":"Okay.","start":1972.37,"end":1972.77,"sentiment":"neutral","sentiment_score":0.21502932906150815}],"sentiment":"positive","sentiment_score":0.6366500288248063,"num_words":10,"start":1963.89,"end":1972.77},{"sentences":[{"text":"Bye.","start":1972.77,"end":1973.27,"sentiment":"neutral","sentiment_score":-0.11195985972881316}],"sentiment":"neutral","sentiment_score":-0.11195985972881316,"num_words":1,"start":1972.77,"end":1973.27}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi. Samina speaking. Hello?\n\nChannel 0: Hello, Savannah. It's Tommy here, senior adviser from Oakview. How are you doing?\n\nChannel 1: I'm good. Thank you, Tommy. How are you?\n\nChannel 0: I'm doing fantastic. It's a beautiful cool day, sunny on the Gold Coast. What about your end?\n\nChannel 1: Oh, there it's nice and sunny here in Melbourne. Yes.\n\nChannel 0: Good to hear. Good to hear. Hasn't been chopping and changing a lot in Melbourne, has it?\n\nChannel 1: Oh, we've been lucky this past week. It's been quite stable weather, so it's good.\n\nChannel 0: Good to hear. Good to hear. I'm just giving you a call to go through your annual review.\n\nChannel 1: Yep. Sure.\n\nChannel 0: Perfect. Now before I get started, are you okay for this call to be recorded?\n\nChannel 1: That's fine.\n\nChannel 0: Amazing. And just for the security of your details before I send out your pack to your email address, could I please confirm your date of birth and address?\n\nChannel 1: Yep. It's '76, and it's one\n\nChannel 0: Mhmm.\n\nChannel 1: at Nelson Avenue, Nunawading, Victoria 3131.\n\nChannel 0: Amazing. Thank you so much for that. I have your Gmail address ready to go. Are you okay for me to send your annual review pack to that address?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Perfect. And will you be able to look on to it with me today, or do you want me to just kind of walk you through the documents?\n\nChannel 1: If you just wanna walk me through it, then I'll have a look at it a bit late a bit later. Yeah.\n\nChannel 0: Yep. That would be no worries at all. I'm gonna bring up your, Hub twenty four account and your details with us, do a bit of an update. Is there\n\nChannel 1: Mhmm.\n\nChannel 0: anything in particular you would like to get out of this review?\n\nChannel 1: That's a great question. You're not sure yet. I guess I guess if something comes to me, I'll I'll I can mention it as we go along.\n\nChannel 0: Perfect. So we'll do a bit of a general update on everything and see how it's looking, if we need to update any\n\nChannel 1: Yep.\n\nChannel 0: strategies,\n\nChannel 1: Yep.\n\nChannel 0: but nothing in particular that's been burning on your mind.\n\nChannel 1: I guess the only thing recently is, obviously, I've been thinking about purchasing my own first property. So I've been doing some inquiries about that with my bank in terms of how much, you know, how much I can borrow.\n\nChannel 0: Yep.\n\nChannel 1: So that's, I guess,\n\nChannel 0: Now\n\nChannel 1: the only yeah. That's the only thing that's come up recently.\n\nChannel 0: you did have a few goals noted down previously about building your deposit up for that house purchase.\n\nChannel 1: Yes. Yes. Mhmm.\n\nChannel 0: How'd you end up going? Did you did you build up I think you had 70,000 in in savings last time we checked. Have you\n\nChannel 1: Yes.\n\nChannel 0: built\n\nChannel 1: So\n\nChannel 0: that\n\nChannel 1: last\n\nChannel 0: up to\n\nChannel 1: time\n\nChannel 0: be\n\nChannel 1: I\n\nChannel 0: more?\n\nChannel 1: looked, it was about, yeah, about 77 yeah. That's 77,000 with that, yeah, with that other account. Yes.\n\nChannel 0: Amazing. And how was the bank looking for serviceability and and purchase price?\n\nChannel 1: Yeah. So they gave me they gave me a figure based on based on, obviously, my date details. And, yeah, obviously, with the with the what I've got saved so far that obviously contribute towards towards the deposit.\n\nChannel 0: Absolutely. And I think last time, you still had, like, a a managed fund with Colonial that was kind of growing in the background as well. I'm\n\nChannel 1: Yes.\n\nChannel 0: assuming they\n\nChannel 1: So that was that\n\nChannel 0: took\n\nChannel 1: was\n\nChannel 0: that\n\nChannel 1: the\n\nChannel 0: into\n\nChannel 1: aim\n\nChannel 0: account.\n\nChannel 1: to use that to use that as mainly for the deposit. Yes.\n\nChannel 0: Yeah. Awesome. And can I just quickly, for the records, note down what that balance would be sitting out for the Colonial account?\n\nChannel 1: The last statement I had from them was about it it was about 77,000 in that one.\n\nChannel 0: Okay. So 77,000 in investment and another 77 in cash savings?\n\nChannel 1: Oh, sorry. Sorry. No. So the 77 was in the that that that account.\n\nChannel 0: Yep.\n\nChannel 1: And then in terms of other savings, I've got about 28,000 in\n\nChannel 0: Yeah.\n\nChannel 1: a different,\n\nChannel 0: So\n\nChannel 1: you know, different bank account.\n\nChannel 0: hitting the $100,000 mark, well done.\n\nChannel 1: Yeah. Yeah. Yeah. When you put it together like that, yes.\n\nChannel 0: Perfect. Perfect. So does it look pretty likely that you're gonna get a place in the next twelve months? What's what's it looking\n\nChannel 1: Yeah. That's definitely that's the plan. So I've just gotta get some fill out some paperwork\n\nChannel 0: like?\n\nChannel 1: with the bank so just to get a preapproval, and then then then I need to start looking for looking for a place.\n\nChannel 0: Perfect. Now can I just quickly check with you because I'm a little bit worried about the markets at the moment?\n\nChannel 1: Yep.\n\nChannel 0: When it comes to your colonial investments, do you have them in anything high risk that could crash and affect your deposit? Like, is it sitting in shares, ETFs? Is it in something safer? Just to make sure the capital is preserved to use.\n\nChannel 1: That's a good question. It would obviously have a a a mix, but I don't know the I don't I don't know the exact details as we're talking now. I'd have to I'd have to follow that one up.\n\nChannel 0: That's okay. I just wanted to put that thought in your mind just in case if you had a bunch of, you know, international shares, ETFs, and all of a sudden they lose 30% because the stock market crashes just\n\nChannel 1: Mhmm.\n\nChannel 0: before\n\nChannel 1: Mhmm.\n\nChannel 0: you wanna pull that out\n\nChannel 1: Mhmm.\n\nChannel 0: for a deposit. Do you at all recall any of the investment options? Were you in, like, a Vanguard high growth or anything like that come to mind?\n\nChannel 1: No. I don't remember off top of my head. I'd have to I'd have to I'd have to check. I'm sorry. Is that one?\n\nChannel 0: That is totally fine. Do you mind after this review if I touch base with you in a few weeks just to follow that up because I don't want you to lose out on purchasing a house if there's anything risky there in the colonial. Would that be okay if I just\n\nChannel 1: Yeah.\n\nChannel 0: touch\n\nChannel 1: Yeah.\n\nChannel 0: base\n\nChannel 1: That's\n\nChannel 0: with\n\nChannel 1: fine.\n\nChannel 0: you later?\n\nChannel 1: I'll I'll I'll yeah. I'll follow that up with the with the bank that manages it. Yep.\n\nChannel 0: Yeah. That'd be perfect just because, again, if you're sitting there with a 100,000, if the stock market crashes right now just before purchasing and you've got anything high risk that goes down $20, that's gonna really hurt the deposit. So I'll\n\nChannel 1: Mhmm.\n\nChannel 0: just I just wanna make sure that we look into that.\n\nChannel 1: Sure.\n\nChannel 0: Perfect. Perfect. Perfect. So outside of that, so we had the cash savings, the Colonial account. I think last time you had, like, a very small credit card and a car that you had paid off as well.\n\nIs that about it for assets and loans?\n\nChannel 1: Yes. So the the car has been paid off.\n\nChannel 0: Yep.\n\nChannel 1: I still have\n\nChannel 0: Fantastic.\n\nChannel 1: a small amount of credit card debt, but not nothing at nothing huge. So\n\nChannel 0: Perfect. And there's nothing else floating around? Personal loans,\n\nChannel 1: No.\n\nChannel 0: shares,\n\nChannel 1: Nothing like\n\nChannel 0: anything\n\nChannel 1: that.\n\nChannel 0: else?\n\nChannel 1: No.\n\nChannel 0: Yep.\n\nChannel 1: No.\n\nChannel 0: Awesome. Perfect. So that's it for assets and liabilities. I wanted to just quickly touch base before I jump into the super on your occupation because\n\nChannel 1: Mhmm.\n\nChannel 0: I was Mhmm. We've updated to a new system at Oakview, and it's been kind of custom built for us, and we've been cross referencing all the details from when you came on board till now just to make sure the system's accurate. I did have you noted down as, like, a client manager for the water quality lab, but then also moving to be, like, a scientist within the lab. Can I just clarify\n\nChannel 1: Yeah.\n\nChannel 0: the occupation?\n\nChannel 1: Yeah. That's still correct. Yeah. So there are the job title is client manager, and it is man with the call testing lab. So yes.\n\nChannel 0: Perfect. And still on around about 80,145, I think, we had last time.\n\nChannel 1: Yes. It sounds about right.\n\nChannel 0: Yep. Awesome. And would you sort of say that it's all, like, office based on the computer? Are you working with any hazardous materials?\n\nChannel 1: No. My job's more office based, so I'm mainly on computer.\n\nChannel 0: Perfect. And that's with ALS Limited?\n\nChannel 1: Yes. That's correct.\n\nChannel 0: Perfect. So we have it all correct. That's amazing. We had your next of kin or emergency contact noted as your sister, Matilda. Just\n\nChannel 1: Mhmm.\n\nChannel 0: making sure that's still okay.\n\nChannel 1: Yeah. That's still okay.\n\nChannel 0: Perfect. We still had your marital status as single, and she was kind of your beneficiary for the super as well.\n\nChannel 1: Yes. Yep.\n\nChannel 0: Perfect. Do you have anything in the way of, like, regular savings per week that you always make sure to put away? Because I know you're putting an extra $100 into your super with salary sacrifice. Do you also have a regular savings amount?\n\nChannel 1: Yes. I do. So I've got a yeah. I've got a set up to to to, excuse me, deposit regularly into of different bank accounts. So come on.\n\nNumber escapes me off top of my head at the moment. But, yeah, I I do have that set up. So it goes out automatic automatically\n\nChannel 0: Perfect. So I'm\n\nChannel 1: into\n\nChannel 0: just gonna\n\nChannel 1: those\n\nChannel 0: put\n\nChannel 1: into\n\nChannel 0: down that\n\nChannel 1: those\n\nChannel 0: there\n\nChannel 1: separate\n\nChannel 0: is\n\nChannel 1: saving accounts. Yep.\n\nChannel 0: and would you kind of split split that between, like, short term fund, long term savings, or is it more like bills and house deposit?\n\nChannel 1: So I've got a couple. So I've got one for one for sort of bills and then one sort of for more longer longer term. So I don't know, like, if I wanted to take a holiday, for example, or\n\nChannel 0: Yeah.\n\nChannel 1: or something something else. So, yeah, I've got I've got a couple of different ones for different purposes. So so I could've, you know, one for more short term, one for more longer term savings.\n\nChannel 0: Amazing. Last couple of questions I've got just to double check is in terms of, like, insolvency. This is a bit of a new question. Have you ever gone through a bankruptcy or part nine debt agreement before?\n\nChannel 1: Oh, no. Never.\n\nChannel 0: Perfect. Perfect. And did you end up putting in place, like, a will or a power of attorney for your estate plan?\n\nChannel 1: No. I still have to do that. So that's on my list of things to do.\n\nChannel 0: That's okay. One of the tips I've been kind of giving to people lately is if you don't need to go to a solicitor and your situation is decently simple, you can always go to the public trustee of your state. Kinda like the courthouse, they also do appointments to set up wills. And the post office also has will for, like, $25. So if that\n\nChannel 1: Oh, okay.\n\nChannel 0: kind of helps a little bit, there's a few options on what you could do.\n\nChannel 1: Okay. Yeah. That's good to know. Because, yeah, I think it's well, I'm certainly with my current situation, it'd be pretty if I set one up now, it'd be pretty pretty simple. So that's good\n\nChannel 0: Yeah.\n\nChannel 1: to know.\n\nChannel 0: And just out of curiosity, would everything kind of go towards your your sister? Was that your intended aim for\n\nChannel 1: Yeah.\n\nChannel 0: all your\n\nChannel 1: That\n\nChannel 0: different\n\nChannel 1: was\n\nChannel 0: assets?\n\nChannel 1: my pretty much my intention. Yes. Yes.\n\nChannel 0: Yeah. So one thing I wanted to just flag on your account is that once you do have a will in place, if you can make sure, like, the super is included in that, we can make sure that your beneficiary is updated to be in line with the will because that would make it a lot easier for the estate to be distributed. Because\n\nChannel 1: Okay.\n\nChannel 0: if you just nominate your sister as an interdependent, they have to go through and prove, like, an interdependency relationship, which is a lot harder than just aiming it to the will and the will distributes. So, like,\n\nChannel 1: Oh,\n\nChannel 0: I'm\n\nChannel 1: okay.\n\nChannel 0: just gonna flag to update that once the will's in place.\n\nChannel 1: Okay. Sure.\n\nChannel 0: Cool.\n\nChannel 1: Yep.\n\nChannel 0: Now onto the fun bit. The superannuation, do you log in every now and then to see how it's going?\n\nChannel 1: I haven't for a while, to be honest. I I definitely should, but I I, you know, life gets in the way sometimes.\n\nChannel 0: No. That's totally fine. That's why you have us. And, again, I have those other people who will look at it daily and go, oh my god. The news said something, and my super went down 3,000.\n\nI'm panicking. And it's just like, don't do that to yourself. You have plenty of things to worry about.\n\nChannel 1: Mhmm.\n\nChannel 0: Do you think I'm gonna give you good news today or bad news?\n\nChannel 1: I would assume that perhaps maybe it's gone down slightly just based on what's happening with the market at the moment or or what's been happening, you know, recently. This\n\nChannel 0: Yep. So let me give you a bit of a short long term snapshot. If I look\n\nChannel 1: yeah.\n\nChannel 0: at I'll give you that recent situation\n\nChannel 1: Mhmm.\n\nChannel 0: over the last three months so you can see what happened there because I want you to be comfortable with your level of volatility. Because\n\nChannel 1: Mhmm.\n\nChannel 0: your portfolio is in a growth portfolio. It's\n\nChannel 1: Yep.\n\nChannel 0: a four out of five on the risk scale, still primarily focused on capital growth. Not the high risk, but it's one below that. And, obviously, at some point, we want to protect what you've built. You probably don't want to be high risk at the age of 64 and lose half your super year before you access\n\nChannel 1: Sure.\n\nChannel 0: it.\n\nChannel 1: No. That's right. Yes.\n\nChannel 0: So where it kind of peaked at was 339,000. It then went down to $2.95. So think of it as, like, 40,000 down, and then it bounced straight back up to $3.21.\n\nChannel 1: Okay.\n\nChannel 0: So it's bounced back from where it was. It's just below the peak of where it was, but it's gone\n\nChannel 1: That's\n\nChannel 0: down\n\nChannel 1: pretty\n\nChannel 0: back\n\nChannel 1: good.\n\nChannel 0: up. Yep. And even better is the twelve months. So I usually do that twelve month snapshot. Your growth risk profile, we usually aim for an average return of about 9% after fees,\n\nChannel 1: Oh,\n\nChannel 0: and you've actually cleared 16.42% net\n\nChannel 1: wow.\n\nChannel 0: return. So $49,000 of earnings in the last twelve months.\n\nChannel 1: That's that's great.\n\nChannel 0: Yep. And you've had some of the best picked investments of any Oakview client outside of one option in particular. But out of about nine or 10 options, most of them had gone up 9%, 22%. You have battery tech and lithium, which if you recall is kind of electronic vehicles.\n\nChannel 1: Mhmm. Oh, yes.\n\nChannel 0: And\n\nChannel 1: Okay. Yep.\n\nChannel 0: because of all of that surge in EVs lately, your that portion of your super grew a 120% in the last twelve months.\n\nChannel 1: Okay.\n\nChannel 0: You have gold and silver. Your silver's up a 114%. You have some Asian shares up 67%. So you've had an absolute stellar year even with those fluctuations mixed in.\n\nChannel 1: Wonderful.\n\nChannel 0: The only thing that kind of dragged a little bit, your Australian shares went down about 11%. Every other option is pretty well in the positive.\n\nChannel 1: Okay.\n\nChannel 0: Now what I'm thinking is potentially just because of that one kind of underperforming as much as I would have expected. So normally, most Australian shares option are kind of either at about zero to 3% for the year. This one\n\nChannel 1: Mhmm.\n\nChannel 0: being negative kind of worries me a little bit. I would probably look at maybe switching that one option out kind of like an engine tune. So we don't have to rebuild the engine. Most of the portfolio is perfect. Just that one option probably needs to be a bit cleaned up.\n\nChannel 1: Mhmm. Yep. Sure.\n\nChannel 0: Now do you have a preference and this is there's no wrong answer here, but do you have a preference between more low fee investments that follow the market closely or paying a bit more to try and outperform the market? Do you have a strong lean either way?\n\nChannel 1: No. Not no. Not really. No.\n\nChannel 0: And reason why I asked that is because if I'm gonna look at a replacement, we have a few that we've been researching recently, and I can pretty much find you a good one in either style of investment.\n\nChannel 1: Mhmm. Oh,\n\nChannel 0: If we\n\nChannel 1: okay.\n\nChannel 0: keep it to the same style, I can just look for a like for like replacement. If you wanna change the style to the more passive low fee side, I can look at that too.\n\nChannel 1: No. I'm I'm like for life sounds like sounds fine.\n\nChannel 0: Perfect. I do have a couple in mind that are a little bit more affordable, much better performance over the last three to five years. I'll do an updated comparison and get the team to book you in in a couple of weeks just to go through that together before we change anything.\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: I am actually going on paternity leave in June with my third child, so I just wanna make sure I get that in front of you before I go.\n\nChannel 1: Sure. Oh, and congratulations.\n\nChannel 0: Thank you. We finally finished off the family build there. We have the two boys and a girl on the way. So\n\nChannel 1: How\n\nChannel 0: if\n\nChannel 1: exciting.\n\nChannel 0: I'm a little bit if I'm a little bit tired on the phone right now, it's just because the boys are excited and keeping me up\n\nChannel 1: How how old are your boys?\n\nChannel 0: at night. Six and three. So they're\n\nChannel 1: Very\n\nChannel 0: very, very excited, but they're always bouncing around wanting to climb into bed with mom and talk to the baby\n\nChannel 1: good.\n\nChannel 0: in the belly and all\n\nChannel 1: Of\n\nChannel 0: that\n\nChannel 1: course.\n\nChannel 0: kind of thing. It's really cool. So I'll definitely update a little bit on the portfolio there. Do you have any questions on the super side of things so far?\n\nChannel 1: No. That sounds good so far.\n\nChannel 0: Okay. Are you still comfortable with that amount of salary sacrifice into your super? Do you wanna continue that increase, decrease? How are you going cash flow wise?\n\nChannel 1: I'm I I definitely wanna continue with it. I'm happy to keep it the the the same amount.\n\nChannel 0: Yeah. That's perfect. I'll just wanna confirm that for the projections. So what I'll\n\nChannel 1: Mhmm.\n\nChannel 0: do is I'll base it on the contributions your employer's putting in plus the 100 a week and\n\nChannel 1: Mhmm.\n\nChannel 0: the current portfolio compared to the new one.\n\nChannel 1: Okay.\n\nChannel 0: Perfect. Last couple of things for me just when it comes to your insurance policy. I have a NEOS certificate of currency that we've sent out to you.\n\nChannel 1: Okay.\n\nChannel 0: Now that includes your life insurance, TPD insurance, and income protection. Do you remember those three?\n\nChannel 1: Yes. Yep. Yep.\n\nChannel 0: Perfect. So where it's kind of sitting at today because it's one of those things we keep a close eye on. It increases every your anniversaries every November.\n\nChannel 1: Of course, it would. Yes. No. I'm I'm familiar with that. Yes.\n\nChannel 0: Yep. So the old step premium is jumping up with age. And once you hit the fifties, it can jump up pretty quickly. It's not too bad at the moment. It's about 2,200 after this 15% rebate.\n\nIt's $1,888.20 out of the super.\n\nChannel 1: Mhmm.\n\nChannel 0: That's not too bad, but it could very quickly get to $3.04, 5,000 over the next five years.\n\nChannel 1: Yeah. Yeah. No. It's definitely for sure. I can I could I could see that happening?\n\nYeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: So we do have just shy of a 160,000 of life and total disability cover, which is your lump sum if you were to pass away or can never work again. So I\n\nChannel 1: Mhmm.\n\nChannel 0: just wanted to gauge it with you whether you still sort of value that type of cover. You know, if you you're in a car accident, you can never work again, you kind of get your super with that 160 of TBD, and that should hopefully kind of carry you through to that age pension age. What are your thoughts on those scenarios?\n\nChannel 1: I still think it's probably useful to useful to have. I guess, because you just you never know. And especially if I yeah. Because especially if I'm looking to go into the home market and and get a a larger loan, and then, you know, if something happens and I can't yeah.\n\nChannel 0: Can't make the repayments and\n\nChannel 1: Yeah.\n\nChannel 0: things\n\nChannel 1: Yeah.\n\nChannel 0: like\n\nChannel 1: Yeah.\n\nChannel 0: that.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. So that's probably why the income protection is important to you as well because that's\n\nChannel 1: Mhmm.\n\nChannel 0: your that's your monthly income replacement. So if you're out of work for more than thirteen weeks,\n\nChannel 1: Mhmm.\n\nChannel 0: they will start paying that 5,596 per month out to\n\nChannel 1: Yep.\n\nChannel 0: you on a monthly basis for up to two years. So that will kind of help keep things going. If you have an injury that lasts more than two years, you're kind of looking at TPD territory. Like, if you haven't gone back for two years, it's kind of unlikely that you'll return to work. So that lump sum comes into it of the 160,000.\n\nChannel 1: Okay.\n\nChannel 0: Now the life and TB premiums are only about $4.41 in total for the year, so that's not too bad. The main one is the income protection. So as long as that's still important for your goals, I'm okay to kind of leave it alone and keep an eye on it as long as you still believe in that that protection for that mortgage repayment later.\n\nChannel 1: Yes. At the moment at the yeah. At the moment, I I think it'd be good to keep it.\n\nChannel 0: What I'm gonna quickly check is your policy came in force in November 2021. Now I believe, if memory serves me correct, October 2021 is when they changed income protection to be 70% maximum. So, technically, it could possibly be insuring you for an income of 96,000, but you were telling me earlier that you're still on an income of around 80,000. Is that right?\n\nChannel 1: Yes. Yep. About that. Yes.\n\nChannel 0: K. So that might be something to look at because you might be a bit over insured.\n\nChannel 1: Oh, okay.\n\nChannel 0: And what I mean there is because they increase the prices, they also slowly increase your cover amount assuming that you're gonna get regular pay rises, and they do that automatically.\n\nChannel 1: Oh, okay.\n\nChannel 0: Now what that means is let's say you're insured for 96,000 and then you give them a tax return or a payslip that says 80,000, they will only pay you 70% based on the 80,000\n\nChannel 1: Okay.\n\nChannel 0: on what you've got on paper.\n\nChannel 1: Yep.\n\nChannel 0: So I'm gonna get a reduction quote for you to make sure\n\nChannel 1: Mhmm.\n\nChannel 0: that you're not over insured. That that will save on the premiums a little bit.\n\nChannel 1: Mhmm.\n\nChannel 0: Is it possible to get a pretty good confirmation of your annual income? So whether it's a tax return, payslip, are you pretty confident with $80,001.04 5? Do you think it could be a bit above or below that?\n\nChannel 1: I could I could send through a a recent pay slip if if to to you if that helps.\n\nChannel 0: Yep. And what I might do too is I'm looking at your contributions from work.\n\nChannel 1: Mhmm.\n\nChannel 0: Thankfully, they seem to be the exact same amount every fortnight.\n\nChannel 1: Yeah. They have been recently. I mean, I've I've I had a look at a recent statement, and they were pretty consistent\n\nChannel 0: So\n\nChannel 1: fortnightly\n\nChannel 0: if I\n\nChannel 1: payment.\n\nChannel 0: go\n\nChannel 1: So but, yeah, I'll I'll I just can't I'll stop my head. The the an the annual so so I can send you through a pay slip so that should help\n\nChannel 0: Yeah.\n\nChannel 1: you out.\n\nChannel 0: That'd be helpful. And just to try and save you the time a little bit, if I extrapolate out those contributions fortnightly,\n\nChannel 1: Mhmm.\n\nChannel 0: that works out to be a little bit under $12 a year. And if I work that back as 12% oh, and I've missed that calculation. Sorry. Bear with me for two seconds.\n\nChannel 1: Yeah. No\n\nChannel 0: We've\n\nChannel 1: problem.\n\nChannel 0: got $4.45 73 a fortnight, and that is divided by 12%. So it says that based on your contributions, you might actually be earning 96, around\n\nChannel 1: Oh,\n\nChannel 0: about.\n\nChannel 1: okay.\n\nChannel 0: So before I reduce your insurances, I'll double check that with you.\n\nChannel 1: Yeah. Yeah. No. That's fine.\n\nChannel 0: K. $96.05 $7.04 83. So I'm just gonna put that on my file note just so I can confirm which way it leans. And that's perfect. So so far, we'll do a bit of a portfolio update.\n\nI'll double check if the insurance amounts are correct. But, otherwise,\n\nChannel 1: Mhmm.\n\nChannel 0: you're happy to kind of leave the life insurance alone. Go to set up the will at some point as well. Is there do you have any questions so far on on those three areas?\n\nChannel 1: No. Everything's good so far.\n\nChannel 0: Perfect. Is there anything else that you're working on the next three to five years goals wise that we haven't talked about already? I know you were saving for that home purchase. Is there anything\n\nChannel 1: Yes.\n\nChannel 0: else that's important?\n\nChannel 1: There's nothing that comes to mind at the moment.\n\nChannel 0: Yeah. And I think most of the goals that we had on the file was just about trying to get some good growth out of the super build up\n\nChannel 1: Mhmm.\n\nChannel 0: for that home purchase. We did have, like, a a tentative retirement age of about age 65 on about a thousand dollars a week at the time and really just about building that deposit up.\n\nChannel 1: Yeah. That's that sounds and then then that that sounds yeah. That sounds like what I would would have discussed previously. Yeah.\n\nChannel 0: Perfect. So if it's okay with you, Sumena, what I might do while I'm putting together this updated document for you is I'll just get the team to touch base with you on a quick payslip, you know, email you, try and get a hold of one of those just to confirm. And at the\n\nChannel 1: Yeah.\n\nChannel 0: same\n\nChannel 1: Yes.\n\nChannel 0: time, are you okay for them to ask about that colonial fund just to see if there's any issues with the risk level?\n\nChannel 1: Sure.\n\nChannel 0: Perfect. Might just wanna hit both of those in one call. Is there a bit of a a time next week? Like, would you prefer the team to just send you an email, text message, give you a call next week to follow-up? What would be easier for you?\n\nChannel 1: Next week. Is there a certain time with our time or date that you're think thinking of?\n\nChannel 0: Well, we you're in Victoria. You're off of daylight savings now. Correct? It's\n\nChannel 1: Yeah.\n\nChannel 0: around about\n\nChannel 1: That's right.\n\nChannel 0: just\n\nChannel 1: That's\n\nChannel 0: before\n\nChannel 1: yeah.\n\nChannel 0: four\n\nChannel 1: We're\n\nChannel 0: o'clock?\n\nChannel 1: we're all on the same should be on the same time now.\n\nChannel 0: Perfect. That always confuses me. So if it's 04:00 now, we do have staff members that do late nights. So\n\nChannel 1: Mhmm.\n\nChannel 0: anytime from, say, 08:00 in the morning up until 06:30 at night, we have availability for someone to contact you.\n\nChannel 1: Oh, okay. Just thinking of me. Probably perhaps, like, in the in the in the morning sometime would be would be good.\n\nChannel 0: Yep. Is there any times where it's too late, you've started work, or too early, you're still having the coffee?\n\nChannel 1: I'd I'd I usually start work early, so anytime I update is fine for me. Yeah.\n\nChannel 0: Cool. Okay. I'll double I'll note that down on the file. So anytime after 8AM\n\nChannel 1: Mhmm.\n\nChannel 0: for a quick touch base. And, again, they're just gonna just quickly check about the payslip, try and grab one of those, and just to\n\nChannel 1: Yes.\n\nChannel 0: see how you went with Colonial, make sure there's no issues over there and and you're happy with all of that.\n\nChannel 1: Mhmm.\n\nChannel 0: We'll go payslip and CFS. Is it at all possible would it be easier to send you an email and get one of the payslips and the colonial statement emailed back to us, or would you prefer a phone call?\n\nChannel 1: No. It's fine. If you send me an email, I can I can access those and get those get those to you?\n\nChannel 0: Perfect. So you'll basically have two emails. The one I've sent you today is the\n\nChannel 1: Mhmm.\n\nChannel 0: annual review pack. So that's\n\nChannel 1: Mhmm.\n\nChannel 0: got your performance, your insurance certificate, a financial services guide from us with our updated licensing\n\nChannel 1: Mhmm.\n\nChannel 0: information, and it's also got your ongoing service agreement as well. I'll send you a separate email just for the administration side of things that you can reply to.\n\nChannel 1: Okay.\n\nChannel 0: Perfect. Now with that service agreement, I do have to ask if you're still comfortable to remain a client of Oakview's and if you're happy for us to continue looking after your super.\n\nChannel 1: Yes. Yes.\n\nChannel 0: Perfect. So I'm just gonna grab up your hub twenty four account, and I'll let you know the agreement dates just so you're aware. So your reference date oh, there we go. So it actually expired two days ago. So\n\nChannel 1: Oh,\n\nChannel 0: just letting\n\nChannel 1: there you\n\nChannel 0: you know\n\nChannel 1: go.\n\nChannel 0: that it's just clicked off. The updated agreement is in there. It should be the usual 1.65Percent cap as well once you hit 600,000 in your balance. Now\n\nChannel 1: Okay.\n\nChannel 0: I'm just gonna double check the documents that I sent you because we have been doing a tax file number form as well, and I just wanna double check if I've sent that through to you. So we have your service agreement with Hub, and then, yes, we have put that in there. I just wanted to let you know what that form was about because of all of the cybersecurity issues last year, we're just getting clients to opt in to us holding that tax file number on the one document because it's a pretty sensitive number to hold, and we just wanna make sure that we still have\n\nChannel 1: Mhmm.\n\nChannel 0: your consent.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Perfect. So if you can have a look through there, when you open up that new email from our new system, it'll have all of your annual review pack attached like a regular email with PDF\n\nChannel 1: Mhmm.\n\nChannel 0: attachments at the bottom, and then there'll be a link for the service agreement as well if you could please sign that.\n\nChannel 1: Okay.\n\nChannel 0: Amazing. Do you have any questions for me, Ximena, before I let you go?\n\nChannel 1: Yep. So I just wanted to clarify with that Colonial account.\n\nChannel 0: Yeah.\n\nChannel 1: I'd I'd you wanted me to find out the risk level. So\n\nChannel 0: Oh, yeah. So if we, for example, could get a statement, that will tell me what investment\n\nChannel 1: or just\n\nChannel 0: options\n\nChannel 1: this\n\nChannel 0: are there,\n\nChannel 1: oh,\n\nChannel 0: and then I can\n\nChannel 1: okay.\n\nChannel 0: figure out if there's any issues that I can spot as\n\nChannel 1: Okay.\n\nChannel 0: a bit of\n\nChannel 1: Sure.\n\nChannel 0: a second cursory glance. I'm not gonna tell you what to do with that account, but I just wanna double check it for you to see\n\nChannel 1: Yeah.\n\nChannel 0: if there's\n\nChannel 1: Yeah.\n\nChannel 0: any\n\nChannel 1: Sure.\n\nChannel 0: major risks.\n\nChannel 1: Yep.\n\nChannel 0: If you can find the investment option names, that would help too. But if it's on the statement, that kind of skips and speeds it up a little bit for you.\n\nChannel 1: Okay.\n\nChannel 0: Would\n\nChannel 1: No\n\nChannel 0: that\n\nChannel 1: problem.\n\nChannel 0: be okay?\n\nChannel 1: I'll I'll I'll see if I can dig dig that up for you and include that when I send through the pay slip.\n\nChannel 0: Easy done. So I will leave that Odoo sign with you now, and then I'm\n\nChannel 1: Mhmm.\n\nChannel 0: gonna go away and I'll shoot you an email for those two.\n\nChannel 1: Mhmm.\n\nChannel 0: The email should come from me with my email signature. So if\n\nChannel 1: Mhmm.\n\nChannel 0: you could please reply to that one with the documents, that would be fantastic.\n\nChannel 1: Okay. Yeah. Sure.\n\nChannel 0: Amazing. Anything else I can do for you before I let you go?\n\nChannel 1: No. That that's that's all that's all. Thank you.\n\nChannel 0: Awesome. So once that email comes back to us, if there's anything that we're worried about, we'll give you a call of a morning time.\n\nChannel 1: Mhmm.\n\nChannel 0: If not, probably in about two weeks' time, the team will get you booked in with me just to go through that updated super portfolio.\n\nChannel 1: Okay. That that sounds good.\n\nChannel 0: Amazing, You have a fantastic evening, and thank you so much for your time today.\n\nChannel 1: You too. Thank you.\n\nChannel 0: Thank you. Bye.\n\nChannel 1: Okay. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.24,"end":0.39999998,"sentiment":"neutral","sentiment_score":0.038568299263715744},{"text":"Samina speaking.","start":0.39999998,"end":1.3,"sentiment":"neutral","sentiment_score":0.02781054750084877},{"text":"Hello?","start":3.76,"end":4.26,"sentiment":"neutral","sentiment_score":0.02717721462249756}],"sentiment":"neutral","sentiment_score":0.03034165222197771,"channel":1,"num_words":4,"start":0.24,"end":4.26},{"sentences":[{"text":"Hello, Savannah.","start":4.0,"end":5.04,"sentiment":"neutral","sentiment_score":0.053559716790914536},{"text":"It's Tommy here, senior adviser from Oakview.","start":5.04,"end":7.2,"sentiment":"neutral","sentiment_score":0.08578225438083921},{"text":"How are you doing?","start":7.2,"end":7.94,"sentiment":"neutral","sentiment_score":0.12266306579113007}],"sentiment":"neutral","sentiment_score":0.09217288287786338,"channel":0,"num_words":13,"start":4.0,"end":7.94},{"sentences":[{"text":"I'm good.","start":7.8399997,"end":8.32,"sentiment":"positive","sentiment_score":0.45270487666130066},{"text":"Thank you, Tommy.","start":8.32,"end":8.96,"sentiment":"positive","sentiment_score":0.5950465401013693},{"text":"How are you?","start":8.96,"end":9.78,"sentiment":"positive","sentiment_score":0.34955642620722455}],"sentiment":"positive","sentiment_score":0.4674023315310478,"channel":1,"num_words":8,"start":7.8399997,"end":9.78},{"sentences":[{"text":"I'm doing fantastic.","start":9.76,"end":10.82,"sentiment":"positive","sentiment_score":0.7149259646733602},{"text":"It's a beautiful cool day, sunny on the Gold Coast.","start":11.04,"end":13.679999,"sentiment":"positive","sentiment_score":0.5500602424144745},{"text":"What about your end?","start":13.679999,"end":14.74,"sentiment":"neutral","sentiment_score":0.12319821119308472}],"sentiment":"positive","sentiment_score":0.47871606840806846,"channel":0,"num_words":17,"start":9.76,"end":14.74},{"sentences":[{"text":"Oh, there it's nice and sunny here in Melbourne.","start":14.924999,"end":17.105,"sentiment":"neutral","sentiment_score":0.2626450690958235},{"text":"Yes.","start":17.165,"end":17.665,"sentiment":"neutral","sentiment_score":0.2308172583580017}],"sentiment":"neutral","sentiment_score":0.2594622880220413,"channel":1,"num_words":10,"start":14.924999,"end":17.665},{"sentences":[{"text":"Good to hear.","start":18.085001,"end":18.565,"sentiment":"positive","sentiment_score":0.3872537811597188},{"text":"Good to hear.","start":18.565,"end":18.885,"sentiment":"neutral","sentiment_score":0.3049536844094594},{"text":"Hasn't been chopping and changing a lot in Melbourne, has it?","start":18.885,"end":21.465,"sentiment":"neutral","sentiment_score":0.06112446602095257}],"sentiment":"neutral","sentiment_score":0.16170538370223606,"channel":0,"num_words":17,"start":18.085001,"end":21.465},{"sentences":[{"text":"Oh, we've been lucky this past week.","start":21.564999,"end":23.485,"sentiment":"neutral","sentiment_score":0.3003170298678534},{"text":"It's been quite stable weather, so it's good.","start":23.485,"end":26.07,"sentiment":"positive","sentiment_score":0.5027301795780659}],"sentiment":"positive","sentiment_score":0.4082707097133001,"channel":1,"num_words":15,"start":21.564999,"end":26.07},{"sentences":[{"text":"Good to hear.","start":26.9,"end":27.38,"sentiment":"positive","sentiment_score":0.4774750272432963},{"text":"Good to hear.","start":27.38,"end":28.18,"sentiment":"positive","sentiment_score":0.3973151346047719},{"text":"I'm just giving you a call to go through your annual review.","start":28.18,"end":31.32,"sentiment":"neutral","sentiment_score":0.18400214053690434}],"sentiment":"neutral","sentiment_score":0.26846645399928093,"channel":0,"num_words":18,"start":26.9,"end":31.32},{"sentences":[{"text":"Yep.","start":31.83,"end":32.15,"sentiment":"neutral","sentiment_score":0.10616713762283324},{"text":"Sure.","start":32.15,"end":32.65,"sentiment":"neutral","sentiment_score":0.1615462303161621}],"sentiment":"neutral","sentiment_score":0.13385668396949768,"channel":1,"num_words":2,"start":31.83,"end":32.65},{"sentences":[{"text":"Perfect.","start":33.22,"end":33.62,"sentiment":"neutral","sentiment_score":0.24574172496795657},{"text":"Now before I get started, are you okay for this call to be recorded?","start":33.62,"end":36.76,"sentiment":"neutral","sentiment_score":0.060865137459976335}],"sentiment":"neutral","sentiment_score":0.07319024329384168,"channel":0,"num_words":15,"start":33.22,"end":36.76},{"sentences":[{"text":"That's fine.","start":37.19,"end":38.085,"sentiment":"neutral","sentiment_score":0.17065759003162384}],"sentiment":"neutral","sentiment_score":0.17065759003162384,"channel":1,"num_words":2,"start":37.19,"end":38.085},{"sentences":[{"text":"Amazing.","start":38.739998,"end":39.225,"sentiment":"neutral","sentiment_score":0.33041149377822876},{"text":"And just for the security of your details before I send out your pack to your email address, could I please confirm your date of birth and address?","start":39.305,"end":46.605,"sentiment":"neutral","sentiment_score":0.12648417135434492}],"sentiment":"neutral","sentiment_score":0.13351614798965125,"channel":0,"num_words":29,"start":38.739998,"end":46.605},{"sentences":[{"text":"Yep.","start":47.045,"end":47.364998,"sentiment":"neutral","sentiment_score":0.03033526986837387},{"text":"It's '76, and it's one","start":47.364998,"end":51.524998,"sentiment":"neutral","sentiment_score":0.032949908077716826}],"sentiment":"neutral","sentiment_score":0.03251413504282633,"channel":1,"num_words":6,"start":47.045,"end":51.524998},{"sentences":[{"text":"Mhmm.","start":51.144997,"end":51.644997,"sentiment":"neutral","sentiment_score":0.035491831600666046}],"sentiment":"neutral","sentiment_score":0.035491831600666046,"channel":0,"num_words":1,"start":51.144997,"end":51.644997},{"sentences":[{"text":"at Nelson Avenue, Nunawading, Victoria 3131.","start":51.524998,"end":56.0,"sentiment":"neutral","sentiment_score":0.049503812566399574}],"sentiment":"neutral","sentiment_score":0.049503812566399574,"channel":1,"num_words":6,"start":51.524998,"end":56.0},{"sentences":[{"text":"Amazing.","start":56.54,"end":57.04,"sentiment":"positive","sentiment_score":0.4068089127540589},{"text":"Thank you so much for that.","start":57.1,"end":58.559998,"sentiment":"positive","sentiment_score":0.564219335714976},{"text":"I have your Gmail address ready to go.","start":58.7,"end":61.5,"sentiment":"positive","sentiment_score":0.3376951143145561},{"text":"Are you okay for me to send your annual review pack to that address?","start":61.5,"end":64.88,"sentiment":"neutral","sentiment_score":0.14729984636817658}],"sentiment":"neutral","sentiment_score":0.29503047209361505,"channel":0,"num_words":29,"start":56.54,"end":64.88},{"sentences":[{"text":"Yeah.","start":65.1,"end":65.34,"sentiment":"neutral","sentiment_score":0.10345592349767684},{"text":"That's fine.","start":65.34,"end":66.159996,"sentiment":"neutral","sentiment_score":0.17170479148626328}],"sentiment":"neutral","sentiment_score":0.14895516882340112,"channel":1,"num_words":3,"start":65.1,"end":66.159996},{"sentences":[{"text":"Perfect.","start":66.585,"end":66.98499,"sentiment":"positive","sentiment_score":0.3633293807506562},{"text":"And will you be able to look on to it with me today, or do you want me to just kind of walk you through the documents?","start":66.98499,"end":71.325,"sentiment":"neutral","sentiment_score":0.12868570839917218}],"sentiment":"neutral","sentiment_score":0.13706583955458232,"channel":0,"num_words":28,"start":66.585,"end":71.325},{"sentences":[{"text":"If you just wanna walk me through it, then I'll have a look at it a bit late a bit later.","start":73.665,"end":78.305,"sentiment":"neutral","sentiment_score":0.11239029963811238},{"text":"Yeah.","start":78.305,"end":78.805,"sentiment":"neutral","sentiment_score":0.08954862505197525}],"sentiment":"neutral","sentiment_score":0.11135204170237888,"channel":1,"num_words":22,"start":73.665,"end":78.805},{"sentences":[{"text":"Yep.","start":79.08,"end":79.58,"sentiment":"neutral","sentiment_score":0.10218685865402222},{"text":"That would be no worries at 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all","start":1042.76,"end":1043.5599,"sentiment":"neutral","sentiment_score":0.006846921890974045}],"sentiment":"neutral","sentiment_score":0.006846921890974045,"channel":0,"num_words":5,"start":1042.76,"end":1043.5599},{"sentences":[{"text":"Of","start":1043.47,"end":1043.71,"sentiment":"neutral","sentiment_score":0.034756481647491455}],"sentiment":"neutral","sentiment_score":0.034756481647491455,"channel":1,"num_words":1,"start":1043.47,"end":1043.71},{"sentences":[{"text":"that","start":1043.5599,"end":1043.72,"sentiment":"neutral","sentiment_score":0.0647725984454155}],"sentiment":"neutral","sentiment_score":0.0647725984454155,"channel":0,"num_words":1,"start":1043.5599,"end":1043.72},{"sentences":[{"text":"course.","start":1043.71,"end":1044.21,"sentiment":"neutral","sentiment_score":0.06247814372181893}],"sentiment":"neutral","sentiment_score":0.06247814372181893,"channel":1,"num_words":1,"start":1043.71,"end":1044.21},{"sentences":[{"text":"kind of thing.","start":1043.72,"end":1044.46,"sentiment":"neutral","sentiment_score":0.09097085520625114},{"text":"It's really cool.","start":1045.08,"end":1046.14,"sentiment":"positive","sentiment_score":0.570237378279368},{"text":"So I'll definitely update a little bit on the portfolio there.","start":1046.84,"end":1050.14,"sentiment":"neutral","sentiment_score":0.23339800401167435},{"text":"Do you have any questions on the super side of things so far?","start":1050.6,"end":1053.8999,"sentiment":"neutral","sentiment_score":0.09394565941049503}],"sentiment":"neutral","sentiment_score":0.1924098772307237,"channel":0,"num_words":30,"start":1043.72,"end":1053.8999},{"sentences":[{"text":"No.","start":1054.405,"end":1054.5651,"sentiment":"neutral","sentiment_score":0.0205367598682642},{"text":"That sounds good so far.","start":1054.5651,"end":1057.0651,"sentiment":"neutral","sentiment_score":0.08820109888911247}],"sentiment":"neutral","sentiment_score":0.07692370905230443,"channel":1,"num_words":6,"start":1054.405,"end":1057.0651},{"sentences":[{"text":"Okay.","start":1057.335,"end":1057.835,"sentiment":"neutral","sentiment_score":0.07681024074554443},{"text":"Are you still comfortable with that amount of salary sacrifice into your super?","start":1058.535,"end":1063.515,"sentiment":"neutral","sentiment_score":0.041764139842528566},{"text":"Do you wanna continue that increase, decrease?","start":1063.575,"end":1066.2949,"sentiment":"neutral","sentiment_score":0.008953517568962914},{"text":"How are you going cash flow wise?","start":1066.2949,"end":1068.075,"sentiment":"neutral","sentiment_score":0.04551638077412333}],"sentiment":"neutral","sentiment_score":0.03575119096785784,"channel":0,"num_words":28,"start":1057.335,"end":1068.075},{"sentences":[{"text":"I'm I I definitely wanna continue with it.","start":1069.3,"end":1072.42,"sentiment":"neutral","sentiment_score":0.27012770995497704},{"text":"I'm happy to keep it the the the same amount.","start":1072.42,"end":1076.705,"sentiment":"neutral","sentiment_score":0.28477808833122253}],"sentiment":"neutral","sentiment_score":0.2782668090528912,"channel":1,"num_words":18,"start":1069.3,"end":1076.705},{"sentences":[{"text":"Yeah.","start":1078.0499,"end":1078.37,"sentiment":"neutral","sentiment_score":0.198160856962204},{"text":"That's perfect.","start":1078.37,"end":1079.01,"sentiment":"positive","sentiment_score":0.4280833601951599},{"text":"I'll just wanna confirm that for the projections.","start":1079.01,"end":1082.405,"sentiment":"neutral","sentiment_score":0.22706594690680504},{"text":"So what I'll","start":1082.625,"end":1083.1849,"sentiment":"neutral","sentiment_score":0.0971832275390625}],"sentiment":"neutral","sentiment_score":0.22588605965886796,"channel":0,"num_words":14,"start":1078.0499,"end":1083.1849},{"sentences":[{"text":"Mhmm.","start":1083.085,"end":1083.585,"sentiment":"neutral","sentiment_score":0.08926209807395935}],"sentiment":"neutral","sentiment_score":0.08926209807395935,"channel":1,"num_words":1,"start":1083.085,"end":1083.585},{"sentences":[{"text":"do is I'll base it on the contributions your employer's putting in plus the 100 a week and","start":1083.1849,"end":1089.845,"sentiment":"neutral","sentiment_score":0.10773901393016179}],"sentiment":"neutral","sentiment_score":0.10773901393016179,"channel":0,"num_words":18,"start":1083.1849,"end":1089.845},{"sentences":[{"text":"Mhmm.","start":1089.405,"end":1089.9,"sentiment":"neutral","sentiment_score":0.061508141458034515}],"sentiment":"neutral","sentiment_score":0.061508141458034515,"channel":1,"num_words":1,"start":1089.405,"end":1089.9},{"sentences":[{"text":"the current portfolio compared to the new one.","start":1089.985,"end":1092.63,"sentiment":"neutral","sentiment_score":0.08176378672942519}],"sentiment":"neutral","sentiment_score":0.08176378672942519,"channel":0,"num_words":8,"start":1089.985,"end":1092.63},{"sentences":[{"text":"Okay.","start":1093.26,"end":1093.76,"sentiment":"neutral","sentiment_score":0.16916285455226898}],"sentiment":"neutral","sentiment_score":0.16916285455226898,"channel":1,"num_words":1,"start":1093.26,"end":1093.76},{"sentences":[{"text":"Perfect.","start":1094.39,"end":1094.89,"sentiment":"neutral","sentiment_score":0.26455187797546387},{"text":"Last couple of things for me just when it comes to your insurance policy.","start":1095.83,"end":1100.25,"sentiment":"neutral","sentiment_score":0.12782217030014312},{"text":"I have a NEOS certificate of currency that we've sent out to you.","start":1101.03,"end":1104.645,"sentiment":"neutral","sentiment_score":0.12431794519607837}],"sentiment":"neutral","sentiment_score":0.13107841249023164,"channel":0,"num_words":28,"start":1094.39,"end":1104.645},{"sentences":[{"text":"Okay.","start":1105.5851,"end":1106.0851,"sentiment":"neutral","sentiment_score":0.07728017866611481}],"sentiment":"neutral","sentiment_score":0.07728017866611481,"channel":1,"num_words":1,"start":1105.5851,"end":1106.0851},{"sentences":[{"text":"Now that includes your life insurance, TPD insurance, and income protection.","start":1105.845,"end":1112.485,"sentiment":"neutral","sentiment_score":0.07284871929071167},{"text":"Do you remember those three?","start":1112.485,"end":1113.865,"sentiment":"neutral","sentiment_score":0.04091123193502426}],"sentiment":"neutral","sentiment_score":0.06286825449205935,"channel":0,"num_words":16,"start":1105.845,"end":1113.865},{"sentences":[{"text":"Yes.","start":1114.545,"end":1114.9451,"sentiment":"neutral","sentiment_score":0.0666554719209671},{"text":"Yep.","start":1114.9451,"end":1115.3451,"sentiment":"neutral","sentiment_score":0.06628735363483429},{"text":"Yep.","start":1115.3451,"end":1115.8451,"sentiment":"neutral","sentiment_score":0.10147732496261597}],"sentiment":"neutral","sentiment_score":0.07814005017280579,"channel":1,"num_words":3,"start":1114.545,"end":1115.8451},{"sentences":[{"text":"Perfect.","start":1116.645,"end":1117.045,"sentiment":"neutral","sentiment_score":0.2042190432548523},{"text":"So where it's kind of sitting at today because it's one of those things we keep a close eye on.","start":1117.045,"end":1121.48,"sentiment":"neutral","sentiment_score":0.08827472198754549},{"text":"It increases every your anniversaries every November.","start":1121.48,"end":1125.5,"sentiment":"neutral","sentiment_score":0.05021853744983673}],"sentiment":"neutral","sentiment_score":0.08290154446980783,"channel":0,"num_words":28,"start":1116.645,"end":1125.5},{"sentences":[{"text":"Of course, it would.","start":1125.6,"end":1126.48,"sentiment":"neutral","sentiment_score":0.046502009965479374},{"text":"Yes.","start":1126.48,"end":1126.7999,"sentiment":"neutral","sentiment_score":0.01956963911652565},{"text":"No.","start":1126.7999,"end":1126.96,"sentiment":"neutral","sentiment_score":-0.023623213171958923},{"text":"I'm I'm familiar with 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rebate.","start":1136.975,"end":1140.835,"sentiment":"neutral","sentiment_score":0.2765538841485977}],"sentiment":"neutral","sentiment_score":0.08480374273416158,"channel":0,"num_words":37,"start":1129.0,"end":1140.835},{"sentences":[{"text":"It's $1,888.20 out of the super.","start":1140.895,"end":1145.475,"sentiment":"neutral","sentiment_score":0.2607855200767517}],"sentiment":"neutral","sentiment_score":0.2607855200767517,"channel":0,"num_words":6,"start":1140.895,"end":1145.475},{"sentences":[{"text":"Mhmm.","start":1145.0549,"end":1145.4,"sentiment":"neutral","sentiment_score":0.13228146731853485}],"sentiment":"neutral","sentiment_score":0.13228146731853485,"channel":1,"num_words":1,"start":1145.0549,"end":1145.4},{"sentences":[{"text":"That's not too bad, but it could very quickly get to $3.04, 5,000 over the next five 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TBD, and that should hopefully kind of carry you through to that age pension age.","start":1175.465,"end":1186.7201,"sentiment":"neutral","sentiment_score":0.05753433828552564},{"text":"What are your thoughts on those scenarios?","start":1187.42,"end":1189.12,"sentiment":"neutral","sentiment_score":0.01905328727194241}],"sentiment":"neutral","sentiment_score":0.05724843727454307,"channel":0,"num_words":63,"start":1169.5449,"end":1189.12},{"sentences":[{"text":"I still think it's probably useful to useful to have.","start":1192.195,"end":1197.39,"sentiment":"neutral","sentiment_score":0.3036558926105499},{"text":"I guess, because you just you never know.","start":1198.99,"end":1201.33,"sentiment":"neutral","sentiment_score":0.02849059132859111},{"text":"And especially if I yeah.","start":1202.91,"end":1208.35,"sentiment":"neutral","sentiment_score":0.003436470776796341},{"text":"Because especially if I'm looking to go into the home market and and get a a larger loan, and then, you know, if something happens and I can't yeah.","start":1208.35,"end":1223.895,"sentiment":"neutral","sentiment_score":-0.06612775988619903}],"sentiment":"neutral","sentiment_score":0.02623001872920073,"channel":1,"num_words":52,"start":1192.195,"end":1223.895},{"sentences":[{"text":"Can't make the repayments 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weeks,","start":1233.98,"end":1236.48,"sentiment":"neutral","sentiment_score":-0.0699478682469238}],"sentiment":"neutral","sentiment_score":-0.028829646461150226,"channel":0,"num_words":17,"start":1231.1799,"end":1236.48},{"sentences":[{"text":"Mhmm.","start":1236.015,"end":1236.515,"sentiment":"neutral","sentiment_score":0.03187189996242523}],"sentiment":"neutral","sentiment_score":0.03187189996242523,"channel":1,"num_words":1,"start":1236.015,"end":1236.515},{"sentences":[{"text":"they will start paying that 5,596 per month out 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haven't gone back for two years, it's kind of unlikely that you'll return to work.","start":1253.875,"end":1258.8099,"sentiment":"neutral","sentiment_score":-0.18090221120251548},{"text":"So that lump sum comes into it of the 160,000.","start":1258.8099,"end":1262.27,"sentiment":"neutral","sentiment_score":-0.005581498518586159}],"sentiment":"neutral","sentiment_score":-0.04816202515592942,"channel":0,"num_words":65,"start":1243.075,"end":1262.27},{"sentences":[{"text":"Okay.","start":1263.05,"end":1263.55,"sentiment":"neutral","sentiment_score":0.11240661889314651}],"sentiment":"neutral","sentiment_score":0.11240661889314651,"channel":1,"num_words":1,"start":1263.05,"end":1263.55},{"sentences":[{"text":"Now the life and TB premiums are only about $4.41 in total for the year, so that's not too bad.","start":1264.25,"end":1270.25,"sentiment":"neutral","sentiment_score":0.18456818982958795},{"text":"The main one is the income protection.","start":1270.25,"end":1272.11,"sentiment":"neutral","sentiment_score":0.12842143326997757},{"text":"So as long as that's still important for your goals, I'm okay to kind of leave it alone and keep an eye on it as long as you still believe in that that protection for that mortgage repayment later.","start":1272.615,"end":1283.755,"sentiment":"positive","sentiment_score":0.36776305696903133}],"sentiment":"neutral","sentiment_score":0.28686474320111854,"channel":0,"num_words":66,"start":1264.25,"end":1283.755},{"sentences":[{"text":"Yes.","start":1285.98,"end":1286.38,"sentiment":"neutral","sentiment_score":0.32027459144592285},{"text":"At the moment at the yeah.","start":1286.38,"end":1287.66,"sentiment":"neutral","sentiment_score":0.188118909796079},{"text":"At the moment, I I think it'd be good to keep it.","start":1287.66,"end":1291.04,"sentiment":"positive","sentiment_score":0.38545476893583935}],"sentiment":"neutral","sentiment_score":0.3197076461817089,"channel":1,"num_words":19,"start":1285.98,"end":1291.04},{"sentences":[{"text":"What I'm gonna quickly check is your policy came in force in November 2021.","start":1291.99,"end":1299.93,"sentiment":"neutral","sentiment_score":0.16968689486384392},{"text":"Now I believe, if memory serves me correct, October 2021 is when they changed income protection to be 70% maximum.","start":1300.5651,"end":1308.505,"sentiment":"neutral","sentiment_score":0.10070419572293758},{"text":"So, technically, it could possibly be insuring you for an income of 96,000, but you were telling me earlier that you're still on an income of around 80,000.","start":1309.045,"end":1319.16,"sentiment":"neutral","sentiment_score":0.0847702853913818},{"text":"Is that right?","start":1319.46,"end":1320.2,"sentiment":"neutral","sentiment_score":0.09885222961505254}],"sentiment":"neutral","sentiment_score":0.10861269419009868,"channel":0,"num_words":65,"start":1291.99,"end":1320.2},{"sentences":[{"text":"Yes.","start":1320.965,"end":1321.2849,"sentiment":"neutral","sentiment_score":0.14931118488311768},{"text":"Yep.","start":1321.2849,"end":1321.7649,"sentiment":"neutral","sentiment_score":0.14100000262260437},{"text":"About that.","start":1321.7649,"end":1322.245,"sentiment":"neutral","sentiment_score":0.10373979806900024},{"text":"Yes.","start":1322.245,"end":1322.745,"sentiment":"neutral","sentiment_score":0.0911870300769806}],"sentiment":"neutral","sentiment_score":0.11779556274414063,"channel":1,"num_words":5,"start":1320.965,"end":1322.745},{"sentences":[{"text":"K.","start":1323.06,"end":1323.46,"sentiment":"neutral","sentiment_score":0.01838543452322483},{"text":"So that might be something to look at because you might be a bit over insured.","start":1323.46,"end":1327.24,"sentiment":"neutral","sentiment_score":-0.17635774426162243}],"sentiment":"neutral","sentiment_score":-0.16490226315663142,"channel":0,"num_words":17,"start":1323.06,"end":1327.24},{"sentences":[{"text":"Oh, okay.","start":1328.005,"end":1328.825,"sentiment":"neutral","sentiment_score":0.001966489478945732}],"sentiment":"neutral","sentiment_score":0.001966489478945732,"channel":1,"num_words":2,"start":1328.005,"end":1328.825},{"sentences":[{"text":"And what I mean there is because they increase the prices, they also slowly increase your cover amount assuming that you're gonna get regular pay rises, and they do that automatically.","start":1329.445,"end":1338.825,"sentiment":"neutral","sentiment_score":0.04731138290897492}],"sentiment":"neutral","sentiment_score":0.04731138290897492,"channel":0,"num_words":31,"start":1329.445,"end":1338.825},{"sentences":[{"text":"Oh, okay.","start":1339.52,"end":1340.34,"sentiment":"neutral","sentiment_score":0.08871521800756454}],"sentiment":"neutral","sentiment_score":0.08871521800756454,"channel":1,"num_words":2,"start":1339.52,"end":1340.34},{"sentences":[{"text":"Now what that means is let's say you're insured for 96,000 and then you give them a tax return or a payslip that says 80,000, they will only pay you 70% based on the 80,000","start":1341.54,"end":1353.5599,"sentiment":"neutral","sentiment_score":0.07825442531279155}],"sentiment":"neutral","sentiment_score":0.07825442531279155,"channel":0,"num_words":35,"start":1341.54,"end":1353.5599},{"sentences":[{"text":"Okay.","start":1353.935,"end":1354.435,"sentiment":"neutral","sentiment_score":0.1043783575296402}],"sentiment":"neutral","sentiment_score":0.1043783575296402,"channel":1,"num_words":1,"start":1353.935,"end":1354.435},{"sentences":[{"text":"on what you've got on paper.","start":1353.945,"end":1355.485,"sentiment":"neutral","sentiment_score":0.08714710175991058}],"sentiment":"neutral","sentiment_score":0.08714710175991058,"channel":0,"num_words":6,"start":1353.945,"end":1355.485},{"sentences":[{"text":"Yep.","start":1355.775,"end":1356.24,"sentiment":"neutral","sentiment_score":0.2614307701587677}],"sentiment":"neutral","sentiment_score":0.2614307701587677,"channel":1,"num_words":1,"start":1355.775,"end":1356.24},{"sentences":[{"text":"So I'm gonna get a reduction quote for you to make sure","start":1357.5449,"end":1361.465,"sentiment":"neutral","sentiment_score":0.22044539886216322}],"sentiment":"neutral","sentiment_score":0.22044539886216322,"channel":0,"num_words":12,"start":1357.5449,"end":1361.465},{"sentences":[{"text":"Mhmm.","start":1361.44,"end":1361.94,"sentiment":"neutral","sentiment_score":0.1800612062215805}],"sentiment":"neutral","sentiment_score":0.1800612062215805,"channel":1,"num_words":1,"start":1361.44,"end":1361.94},{"sentences":[{"text":"that you're not over insured.","start":1361.465,"end":1362.825,"sentiment":"neutral","sentiment_score":0.1578982651233673},{"text":"That that will save on the premiums a little bit.","start":1362.825,"end":1365.325,"sentiment":"positive","sentiment_score":0.36749347150325773}],"sentiment":"neutral","sentiment_score":0.29762840270996094,"channel":0,"num_words":15,"start":1361.465,"end":1365.325},{"sentences":[{"text":"Mhmm.","start":1365.52,"end":1366.02,"sentiment":"neutral","sentiment_score":0.2020610272884369}],"sentiment":"neutral","sentiment_score":0.2020610272884369,"channel":1,"num_words":1,"start":1365.52,"end":1366.02},{"sentences":[{"text":"Is it possible to get a pretty good confirmation of your annual income?","start":1366.6,"end":1371.26,"sentiment":"neutral","sentiment_score":0.27880410162302166},{"text":"So whether it's a tax return, payslip, are you pretty confident with $80,001.04 5?","start":1371.5599,"end":1377.4199,"sentiment":"neutral","sentiment_score":0.2033375288758959},{"text":"Do you think it could be a bit above or below that?","start":1377.48,"end":1379.925,"sentiment":"neutral","sentiment_score":0.061017737413446106}],"sentiment":"neutral","sentiment_score":0.18470234805956864,"channel":0,"num_words":39,"start":1366.6,"end":1379.925},{"sentences":[{"text":"I could I could send through a a recent pay slip if if to to you if that helps.","start":1380.655,"end":1388.98,"sentiment":"neutral","sentiment_score":0.17309579645332537}],"sentiment":"neutral","sentiment_score":0.17309579645332537,"channel":1,"num_words":19,"start":1380.655,"end":1388.98},{"sentences":[{"text":"Yep.","start":1389.4451,"end":1389.8451,"sentiment":"neutral","sentiment_score":0.2114570587873459},{"text":"And what I might do too is I'm looking at your contributions from work.","start":1389.8451,"end":1394.665,"sentiment":"neutral","sentiment_score":0.1411097358380045}],"sentiment":"neutral","sentiment_score":0.1457995573679606,"channel":0,"num_words":15,"start":1389.4451,"end":1394.665},{"sentences":[{"text":"Mhmm.","start":1395.28,"end":1395.645,"sentiment":"neutral","sentiment_score":0.15854577720165253}],"sentiment":"neutral","sentiment_score":0.15854577720165253,"channel":1,"num_words":1,"start":1395.28,"end":1395.645},{"sentences":[{"text":"Thankfully, they seem to be the exact same amount every fortnight.","start":1395.62,"end":1400.52,"sentiment":"positive","sentiment_score":0.3586932827125896}],"sentiment":"positive","sentiment_score":0.3586932827125896,"channel":0,"num_words":11,"start":1395.62,"end":1400.52},{"sentences":[{"text":"Yeah.","start":1401.005,"end":1401.3251,"sentiment":"neutral","sentiment_score":0.14977625012397766},{"text":"They have been recently.","start":1401.3251,"end":1402.4451,"sentiment":"neutral","sentiment_score":0.056677804328501225},{"text":"I mean, I've I've I had a look at a recent statement, and they were pretty consistent","start":1402.4451,"end":1409.265,"sentiment":"neutral","sentiment_score":0.05146946845685735}],"sentiment":"neutral","sentiment_score":0.05688492869111625,"channel":1,"num_words":22,"start":1401.005,"end":1409.265},{"sentences":[{"text":"So","start":1411.1549,"end":1411.6349,"sentiment":"neutral","sentiment_score":0.014984769746661186}],"sentiment":"neutral","sentiment_score":0.014984769746661186,"channel":0,"num_words":1,"start":1411.1549,"end":1411.6349},{"sentences":[{"text":"fortnightly","start":1411.4,"end":1411.9,"sentiment":"neutral","sentiment_score":0.015460149385035038}],"sentiment":"neutral","sentiment_score":0.015460149385035038,"channel":1,"num_words":1,"start":1411.4,"end":1411.9},{"sentences":[{"text":"if I","start":1411.6349,"end":1412.115,"sentiment":"neutral","sentiment_score":0.011740844696760178}],"sentiment":"neutral","sentiment_score":0.011740844696760178,"channel":0,"num_words":2,"start":1411.6349,"end":1412.115},{"sentences":[{"text":"payment.","start":1411.96,"end":1412.28,"sentiment":"neutral","sentiment_score":0.0024184463545680046}],"sentiment":"neutral","sentiment_score":0.0024184463545680046,"channel":1,"num_words":1,"start":1411.96,"end":1412.28},{"sentences":[{"text":"go","start":1412.115,"end":1412.615,"sentiment":"neutral","sentiment_score":0.003998136147856712}],"sentiment":"neutral","sentiment_score":0.003998136147856712,"channel":0,"num_words":1,"start":1412.115,"end":1412.615},{"sentences":[{"text":"So but, yeah, I'll I'll I just can't I'll stop my head.","start":1412.28,"end":1416.68,"sentiment":"neutral","sentiment_score":-0.016720178459460538},{"text":"The the an the annual so so I can send you through a pay slip so that should help","start":1416.68,"end":1424.355,"sentiment":"neutral","sentiment_score":0.05991033866609398}],"sentiment":"neutral","sentiment_score":0.03024691268200836,"channel":1,"num_words":31,"start":1412.28,"end":1424.355},{"sentences":[{"text":"Yeah.","start":1424.21,"end":1424.5299,"sentiment":"neutral","sentiment_score":0.10737758874893188}],"sentiment":"neutral","sentiment_score":0.10737758874893188,"channel":0,"num_words":1,"start":1424.21,"end":1424.5299},{"sentences":[{"text":"you out.","start":1424.355,"end":1425.015,"sentiment":"neutral","sentiment_score":0.23125961422920227}],"sentiment":"neutral","sentiment_score":0.23125961422920227,"channel":1,"num_words":2,"start":1424.355,"end":1425.015},{"sentences":[{"text":"That'd be helpful.","start":1424.5299,"end":1425.51,"sentiment":"positive","sentiment_score":0.3421085476875305},{"text":"And just to try and save you the time a little bit, if I extrapolate out those contributions fortnightly,","start":1425.73,"end":1432.7899,"sentiment":"neutral","sentiment_score":0.12346417790180758}],"sentiment":"neutral","sentiment_score":0.15327931923622434,"channel":0,"num_words":22,"start":1424.5299,"end":1432.7899},{"sentences":[{"text":"Mhmm.","start":1433.715,"end":1434.18,"sentiment":"neutral","sentiment_score":0.055359140038490295}],"sentiment":"neutral","sentiment_score":0.055359140038490295,"channel":1,"num_words":1,"start":1433.715,"end":1434.18},{"sentences":[{"text":"that works out to be a little bit under $12 a year.","start":1433.745,"end":1436.405,"sentiment":"neutral","sentiment_score":0.07584817117700975},{"text":"And if I work that back as 12% oh, and I've missed that calculation.","start":1436.625,"end":1442.805,"sentiment":"neutral","sentiment_score":-0.021627285052090883},{"text":"Sorry.","start":1442.865,"end":1443.105,"sentiment":"neutral","sentiment_score":-0.0715666264295578},{"text":"Bear with me for two seconds.","start":1443.105,"end":1444.485,"sentiment":"neutral","sentiment_score":-0.05592253555854162}],"sentiment":"neutral","sentiment_score":0.006069521927698092,"channel":0,"num_words":33,"start":1433.745,"end":1444.485},{"sentences":[{"text":"Yeah.","start":1444.5,"end":1444.8201,"sentiment":"neutral","sentiment_score":0.024985091760754585},{"text":"No","start":1444.8201,"end":1444.9801,"sentiment":"neutral","sentiment_score":-0.0022146105766296387}],"sentiment":"neutral","sentiment_score":0.011385240592062473,"channel":1,"num_words":2,"start":1444.5,"end":1444.9801},{"sentences":[{"text":"We've","start":1444.9451,"end":1445.345,"sentiment":"neutral","sentiment_score":-0.023479711264371872}],"sentiment":"neutral","sentiment_score":-0.023479711264371872,"channel":0,"num_words":1,"start":1444.9451,"end":1445.345},{"sentences":[{"text":"problem.","start":1444.9801,"end":1445.4801,"sentiment":"neutral","sentiment_score":0.0004538334906101227}],"sentiment":"neutral","sentiment_score":0.0004538334906101227,"channel":1,"num_words":1,"start":1444.9801,"end":1445.4801},{"sentences":[{"text":"got $4.45 73 a fortnight, and that is divided by 12%.","start":1445.345,"end":1452.84,"sentiment":"neutral","sentiment_score":0.008391589772972193},{"text":"So it says that based on your contributions, you might actually be earning 96, around","start":1453.86,"end":1458.58,"sentiment":"neutral","sentiment_score":0.03695970568805933}],"sentiment":"neutral","sentiment_score":0.024873195108599387,"channel":0,"num_words":26,"start":1445.345,"end":1458.58},{"sentences":[{"text":"Oh,","start":1458.5149,"end":1458.6749,"sentiment":"neutral","sentiment_score":0.00523192435503006}],"sentiment":"neutral","sentiment_score":0.00523192435503006,"channel":1,"num_words":1,"start":1458.5149,"end":1458.6749},{"sentences":[{"text":"about.","start":1458.58,"end":1459.08,"sentiment":"neutral","sentiment_score":0.0073821283876895905}],"sentiment":"neutral","sentiment_score":0.0073821283876895905,"channel":0,"num_words":1,"start":1458.58,"end":1459.08},{"sentences":[{"text":"okay.","start":1458.6749,"end":1459.1749,"sentiment":"neutral","sentiment_score":0.027364401146769524}],"sentiment":"neutral","sentiment_score":0.027364401146769524,"channel":1,"num_words":1,"start":1458.6749,"end":1459.1749},{"sentences":[{"text":"So before I reduce your insurances, I'll double check that with you.","start":1460.34,"end":1463.895,"sentiment":"neutral","sentiment_score":-0.02228531241416931}],"sentiment":"neutral","sentiment_score":-0.02228531241416931,"channel":0,"num_words":12,"start":1460.34,"end":1463.895},{"sentences":[{"text":"Yeah.","start":1464.15,"end":1464.39,"sentiment":"neutral","sentiment_score":0.03534959629178047},{"text":"Yeah.","start":1464.39,"end":1464.47,"sentiment":"neutral","sentiment_score":0.026966413483023643},{"text":"No.","start":1464.47,"end":1464.71,"sentiment":"neutral","sentiment_score":0.011524800211191176},{"text":"That's fine.","start":1464.71,"end":1465.53,"sentiment":"neutral","sentiment_score":0.07767813839018345}],"sentiment":"neutral","sentiment_score":0.04583941735327244,"channel":1,"num_words":5,"start":1464.15,"end":1465.53},{"sentences":[{"text":"K.","start":1466.935,"end":1467.435,"sentiment":"neutral","sentiment_score":0.035935178399086},{"text":"$96.05 $7.04 83.","start":1468.935,"end":1473.5751,"sentiment":"neutral","sentiment_score":0.05762896314263344},{"text":"So I'm just gonna put that on my file note just so I can confirm which way it leans.","start":1473.5751,"end":1478.9601,"sentiment":"neutral","sentiment_score":0.21875786546029544},{"text":"And that's perfect.","start":1479.74,"end":1480.7201,"sentiment":"positive","sentiment_score":0.6347663005193075},{"text":"So so far, we'll do a bit of a portfolio update.","start":1480.9401,"end":1483.92,"sentiment":"neutral","sentiment_score":0.3036394403739409}],"sentiment":"neutral","sentiment_score":0.25971768262821276,"channel":0,"num_words":37,"start":1466.935,"end":1483.92},{"sentences":[{"text":"I'll double check if the insurance amounts are correct.","start":1483.9801,"end":1486.7001,"sentiment":"neutral","sentiment_score":0.17369839714633095},{"text":"But, otherwise,","start":1486.7001,"end":1487.3401,"sentiment":"neutral","sentiment_score":0.13248614221811295}],"sentiment":"neutral","sentiment_score":0.16620525988665494,"channel":0,"num_words":11,"start":1483.9801,"end":1487.3401},{"sentences":[{"text":"Mhmm.","start":1487.0801,"end":1487.5801,"sentiment":"neutral","sentiment_score":0.1633375883102417}],"sentiment":"neutral","sentiment_score":0.1633375883102417,"channel":1,"num_words":1,"start":1487.0801,"end":1487.5801},{"sentences":[{"text":"you're happy to kind of leave the life insurance alone.","start":1487.3401,"end":1489.8401,"sentiment":"positive","sentiment_score":0.45290430784225466},{"text":"Go to set up the will at some point as well.","start":1491.4551,"end":1494.115,"sentiment":"neutral","sentiment_score":0.27763042802160437},{"text":"Is there do you have any questions so far on on those three areas?","start":1494.655,"end":1498.1951,"sentiment":"neutral","sentiment_score":0.10182617817606245}],"sentiment":"neutral","sentiment_score":0.25738697946071626,"channel":0,"num_words":35,"start":1487.3401,"end":1498.1951},{"sentences":[{"text":"No.","start":1499.9751,"end":1500.2151,"sentiment":"neutral","sentiment_score":0.15262547135353088},{"text":"Everything's good so far.","start":1500.2151,"end":1502.2351,"sentiment":"positive","sentiment_score":0.4492596685886383}],"sentiment":"positive","sentiment_score":0.3899328291416168,"channel":1,"num_words":5,"start":1499.9751,"end":1502.2351},{"sentences":[{"text":"Perfect.","start":1503.0701,"end":1503.5701,"sentiment":"positive","sentiment_score":0.6795730590820312},{"text":"Is there anything else that you're working on the next three to five years goals wise that we haven't talked about already?","start":1504.27,"end":1509.55,"sentiment":"neutral","sentiment_score":0.23436902327971024},{"text":"I know you were saving for that home purchase.","start":1509.55,"end":1512.03,"sentiment":"neutral","sentiment_score":0.1225716003941165},{"text":"Is there anything","start":1512.03,"end":1512.67,"sentiment":"neutral","sentiment_score":0.09742443511883418}],"sentiment":"neutral","sentiment_score":0.20660312228969166,"channel":0,"num_words":35,"start":1503.0701,"end":1512.67},{"sentences":[{"text":"Yes.","start":1512.615,"end":1513.115,"sentiment":"neutral","sentiment_score":0.11023611575365068}],"sentiment":"neutral","sentiment_score":0.11023611575365068,"channel":1,"num_words":1,"start":1512.615,"end":1513.115},{"sentences":[{"text":"else that's important?","start":1512.67,"end":1513.65,"sentiment":"neutral","sentiment_score":0.11886417369047801}],"sentiment":"neutral","sentiment_score":0.11886417369047801,"channel":0,"num_words":3,"start":1512.67,"end":1513.65},{"sentences":[{"text":"There's nothing that comes to mind at the 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purchase.","start":1533.3301,"end":1534.55,"sentiment":"neutral","sentiment_score":0.06222525367047638},{"text":"We did have, like, a a tentative retirement age of about age 65 on about a thousand dollars a week at the time and really just about building that deposit up.","start":1535.0901,"end":1545.015,"sentiment":"neutral","sentiment_score":0.11982111176175456}],"sentiment":"neutral","sentiment_score":0.11323872797989419,"channel":0,"num_words":35,"start":1533.3301,"end":1545.015},{"sentences":[{"text":"Yeah.","start":1548.49,"end":1548.8099,"sentiment":"neutral","sentiment_score":0.17701008915901184},{"text":"That's that sounds and then then that that sounds yeah.","start":1548.8099,"end":1552.4099,"sentiment":"neutral","sentiment_score":0.18588996082544326},{"text":"That sounds like what I would would have discussed previously.","start":1552.4099,"end":1555.2949,"sentiment":"neutral","sentiment_score":0.20829231441020965},{"text":"Yeah.","start":1555.4349,"end":1555.9349,"sentiment":"neutral","sentiment_score":0.31131255626678467}],"sentiment":"neutral","sentiment_score":0.20137024535374207,"channel":1,"num_words":22,"start":1548.49,"end":1555.9349},{"sentences":[{"text":"Perfect.","start":1556.2899,"end":1556.7899,"sentiment":"positive","sentiment_score":0.5419996976852417},{"text":"So if it's okay with you, Sumena, what I might do while I'm putting together this updated document for you is I'll just get the team to touch base with you on a quick payslip, you know, email you, try and get a hold of one of those just to confirm.","start":1556.85,"end":1572.4349,"sentiment":"positive","sentiment_score":0.44941704355034173},{"text":"And at 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about that colonial fund just to see if there's any issues with the risk level?","start":1573.615,"end":1580.0349,"sentiment":"neutral","sentiment_score":0.08588709439272466}],"sentiment":"neutral","sentiment_score":0.08588709439272466,"channel":0,"num_words":23,"start":1573.615,"end":1580.0349},{"sentences":[{"text":"Sure.","start":1582.745,"end":1583.245,"sentiment":"neutral","sentiment_score":0.18682783842086792}],"sentiment":"neutral","sentiment_score":0.18682783842086792,"channel":1,"num_words":1,"start":1582.745,"end":1583.245},{"sentences":[{"text":"Perfect.","start":1584.52,"end":1585.02,"sentiment":"positive","sentiment_score":0.3937726318836212},{"text":"Might just wanna hit both of those in one call.","start":1585.64,"end":1588.9401,"sentiment":"positive","sentiment_score":0.37610875368118285},{"text":"Is there a bit of a a time next week?","start":1589.24,"end":1591.9,"sentiment":"neutral","sentiment_score":0.11403375715017319},{"text":"Like, would you prefer the team to 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issues that I can spot as","start":1886.07,"end":1889.03,"sentiment":"neutral","sentiment_score":-0.02288534272123467}],"sentiment":"neutral","sentiment_score":-0.02288534272123467,"channel":0,"num_words":11,"start":1886.07,"end":1889.03},{"sentences":[{"text":"Okay.","start":1888.86,"end":1889.36,"sentiment":"neutral","sentiment_score":0.0037290863692760463}],"sentiment":"neutral","sentiment_score":0.0037290863692760463,"channel":1,"num_words":1,"start":1888.86,"end":1889.36},{"sentences":[{"text":"a bit 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The agent provides advice on updating her beneficiary's will and emphasizes the importance of protecting her investment portfolio. They also discuss the benefits of life insurance coverage for retirement plans and home loans, and provide information on insurance coverage and premiums. The speaker provides information on updating the beneficiary's will and scheduling a follow-up call to discuss risk levels and service agreements. They also offer to send a reference date email and provide instructions for signing updated agreements."},"intents":{"segments":[{"text":"And just for the security of your details before I send out your pack to your email address, could I please confirm your date of birth and address? Yep.","start_word":122,"end_word":150,"intents":[{"intent":"Share information","confidence_score":0.00048633435}]},{"text":"Just to make sure the capital is preserved to use.","start_word":810,"end_word":819,"intents":[{"intent":"Verify capital preservation","confidence_score":0.0024995755}]},{"text":"One of the tips I've been kind of giving to people lately is if you don't need to go to a solicitor and your situation is decently simple, you can always go to the public trustee of your state. Kinda like the courthouse, they also do appointments to set up wills. And the post office also has will for, like, $25.","start_word":1734,"end_word":1794,"intents":[{"intent":"Set up will of attorney","confidence_score":4.283189e-8}]},{"text":"So one thing I wanted to just flag on your account is that once you do have a will in place, if you can make sure, like, the super is included in that, we can make sure that your beneficiary is updated to be in line with the will because that would make it a lot easier for the estate to be distributed. Because Okay.","start_word":1887,"end_word":1951,"intents":[{"intent":"Update beneficiary and super onto will","confidence_score":5.7638722e-8}]},{"text":"I would assume that perhaps maybe it's gone down slightly just based on what's happening with the market at the moment or or what's been happening, you know, recently. This Yep.","start_word":2121,"end_word":2151,"intents":[{"intent":"Analyze market volatility","confidence_score":0.04762885}]},{"text":"Now do you have a preference and this is there's no wrong answer here, but do you have a preference between more low fee investments that follow the market closely or paying a bit more to try and outperform the market? Do you have a strong lean either way? No. Not no.","start_word":2624,"end_word":2675,"intents":[{"intent":"Evaluate investment preference","confidence_score":0.0028143397}]},{"text":"So I'll definitely update a little bit on the portfolio there. Do you have any questions on the super side of things so far? No.","start_word":2956,"end_word":2980,"intents":[{"intent":"Update portfolio","confidence_score":0.5581752}]},{"text":"Are you still comfortable with that amount of salary sacrifice into your super?","start_word":2987,"end_word":2999,"intents":[{"intent":"Confirm salary sacrifice","confidence_score":0.21345064}]},{"text":"I'm I I definitely wanna continue with it. I'm happy to keep it the the the same amount. Yeah.","start_word":3014,"end_word":3032,"intents":[{"intent":"Confirm future payment","confidence_score":0.00008208626}]},{"text":"just wanted to gauge it with you whether you still sort of value that type of cover.","start_word":3278,"end_word":3294,"intents":[{"intent":"Determine benefit value","confidence_score":0.00027766943}]},{"text":"What I'm gonna quickly check is your policy came in force in November 2021. Now I believe, if memory serves me correct, October 2021 is when they changed income protection to be 70% maximum. So, technically, it could possibly be insuring you for an income of 96,000, but you were telling me earlier that you're still on an income of around 80,000. Is that right? Yes.","start_word":3603,"end_word":3668,"intents":[{"intent":"Check policy","confidence_score":0.40893453}]},{"text":"Is it possible to get a pretty good confirmation of your annual income? So whether it's a tax return, payslip, are you pretty confident with $80,001.04 5? Do you think it could be a bit above or below that?","start_word":3797,"end_word":3835,"intents":[{"intent":"Confirm interest","confidence_score":0.00033875002}]},{"text":"I could I could send through a a recent pay slip if if to to you if that helps. Yep.","start_word":3836,"end_word":3855,"intents":[{"intent":"Send pay slip","confidence_score":0.34568974},{"intent":"Send pay slip","confidence_score":0.1488702}]},{"text":"The the an the annual so so I can send you through a pay slip so that should help Yeah. you out.","start_word":3922,"end_word":3943,"intents":[{"intent":"Send pay slip","confidence_score":0.005947175}]},{"text":"And just to try and save you the time a little bit, if I extrapolate out those contributions fortnightly, Mhmm. that works out to be a little bit under $12 a year. And if I work that back as 12% oh, and I've missed that calculation. Sorry.","start_word":3947,"end_word":3993,"intents":[{"intent":"Calculate contributions","confidence_score":0.44901648}]},{"text":"So before I reduce your insurances, I'll double check that with you. Yeah.","start_word":4033,"end_word":4045,"intents":[{"intent":"Check insurance amounts","confidence_score":0.07365131}]},{"text":"So so far, we'll do a bit of a portfolio update. I'll double check if the insurance amounts are correct.","start_word":4076,"end_word":4095,"intents":[{"intent":"Put portfolio update","confidence_score":0.0054373695}]},{"text":"Go to set up the will at some point as well.","start_word":4109,"end_word":4119,"intents":[{"intent":"Set up will","confidence_score":0.6402018}]},{"text":"I know you were saving for that home purchase. Is there anything Yes.","start_word":4162,"end_word":4174,"intents":[{"intent":"Determine savings","confidence_score":0.00046235629}]},{"text":"And I think most of the goals that we had on the file was just about trying to get some good growth out of the super build up Mhmm. for that home purchase.","start_word":4188,"end_word":4220,"intents":[{"intent":"Get good growth","confidence_score":0.009584084}]},{"text":"We did have, like, a a tentative retirement age of about age 65 on about a thousand dollars a week at the time and really just about building that deposit up. Yeah.","start_word":4222,"end_word":4253,"intents":[{"intent":"Confirm retirement age","confidence_score":0.2792602}]},{"text":"So if it's okay with you, Sumena, what I might do while I'm putting together this updated document for you is I'll just get the team to touch base with you on a quick payslip, you know, email you, try and get a hold of one of those just to confirm. And at the Yeah.","start_word":4275,"end_word":4329,"intents":[{"intent":"Obtain documents","confidence_score":0.0062498865}]},{"text":"Might just wanna hit both of those in one call. Is there a bit of a a time next week? Like, would you prefer the team to just send you an email, text message, give you a call next week to follow-up? What would be easier for you?","start_word":4357,"end_word":4404,"intents":[{"intent":"Schedule call for next week","confidence_score":0.0019339778}]},{"text":"Is there a bit of a a time next week? Like, would you prefer the team to just send you an email, text message, give you a call next week to follow-up? What would be easier for you?","start_word":4367,"end_word":4404,"intents":[{"intent":"Send text message for next week","confidence_score":0.0000059668896}]},{"text":"I'll double I'll note that down on the file.","start_word":4560,"end_word":4568,"intents":[{"intent":"Update notes","confidence_score":0.12388901}]},{"text":"We'll go payslip and CFS. Is it at all possible would it be easier to send you an email and get one of the payslips and the colonial statement emailed back to us, or would you prefer a phone call? No.","start_word":4622,"end_word":4662,"intents":[{"intent":"Request to receive a mail","confidence_score":7.208947e-9}]},{"text":"Now with that service agreement, I do have to ask if you're still comfortable to remain a client of Oakview's and if you're happy for us to continue looking after your super. Yes. Yes. Perfect.","start_word":4754,"end_word":4788,"intents":[{"intent":"Verify agreement","confidence_score":0.00046234616}]},{"text":"So I just wanted to clarify with that Colonial account. Yeah.","start_word":5055,"end_word":5065,"intents":[{"intent":"Clarify account information","confidence_score":0.0013340515}]},{"text":"The email should come from me with my email signature. So if Mhmm. you could please reply to that one with the documents, that would be fantastic. Okay.","start_word":5248,"end_word":5275,"intents":[{"intent":"Send email with documents","confidence_score":0.031202698}]}]},"sentiments":{"segments":[{"text":"Hi. Samina speaking. Hello? Hello, Savannah. It's Tommy here, senior adviser from Oakview. How are you doing?","start_word":0,"end_word":16,"sentiment":"neutral","sentiment_score":0.0719461664557457},{"text":"I'm good. Thank you, Tommy. How are you? I'm doing fantastic. It's a beautiful cool day, sunny on the Gold Coast.","start_word":17,"end_word":37,"sentiment":"positive","sentiment_score":0.541465163230896},{"text":"What about your end? Oh, there it's nice and sunny here in Melbourne. Yes.","start_word":38,"end_word":51,"sentiment":"neutral","sentiment_score":0.22090516984462735},{"text":"Good to hear.","start_word":52,"end_word":54,"sentiment":"positive","sentiment_score":0.37303775548934937},{"text":"Good to hear. Hasn't been chopping and changing a lot in Melbourne, has it? Oh, we've been lucky this past week.","start_word":55,"end_word":75,"sentiment":"neutral","sentiment_score":0.1613587737083435},{"text":"It's been quite stable weather, so it's good. Good to hear. Good to hear.","start_word":76,"end_word":89,"sentiment":"positive","sentiment_score":0.4751454293727875},{"text":"I'm just giving you a call to go through your annual review. Yep. Sure. Perfect. Now before I get started, are you okay for this call to be recorded? That's fine. Amazing. And just for the security of your details before I send out your pack to your email address, could I please confirm your date of birth and address? Yep. It's '76, and it's one Mhmm. at Nelson Avenue, Nunawading, Victoria 3131.","start_word":90,"end_word":162,"sentiment":"neutral","sentiment_score":0.10783813893795012},{"text":"Amazing. Thank you so much for that. I have your Gmail address ready to go.","start_word":163,"end_word":177,"sentiment":"positive","sentiment_score":0.429955929517746},{"text":"Are you okay for me to send your annual review pack to that address? Yeah. That's fine.","start_word":178,"end_word":194,"sentiment":"neutral","sentiment_score":0.14710409939289093},{"text":"Perfect.","start_word":195,"end_word":195,"sentiment":"positive","sentiment_score":0.3633293807506562},{"text":"And will you be able to look on to it with me today, or do you want me to just kind of walk you through the documents? If you just wanna walk me through it, then I'll have a look at it a bit late a bit later. Yeah. Yep. That would be no worries at all. I'm gonna bring up your, Hub twenty four account and your details with us, do a bit of an update. Is there Mhmm. anything in particular you would like to get out of this review? That's a great question. You're not sure yet. I guess I guess if something comes to me, I'll I'll I can mention it as we go along. Perfect. So we'll do a bit of a general update on everything and see how it's looking, if we need to update any Yep. strategies, Yep. but nothing in particular that's been burning on your mind. I guess the only thing recently is, obviously, I've been thinking about purchasing my own first property. So I've been doing some inquiries about that with my bank in terms of how much, you know, how much I can borrow. Yep. So that's, I guess, Now the only yeah. That's the only thing that's come up recently. you did have a few goals noted down previously about building your deposit up for that house purchase. Yes. Yes. Mhmm. How'd you end up going? Did you did you build up I think you had 70,000 in in savings last time we checked. Have you Yes. built So that last up to time be I more? looked, it was about, yeah, about 77 yeah. That's 77,000 with that, yeah, with that other account. Yes.","start_word":196,"end_word":482,"sentiment":"neutral","sentiment_score":0.07005397100585678},{"text":"Amazing.","start_word":483,"end_word":483,"sentiment":"positive","sentiment_score":0.4541168808937073},{"text":"And how was the bank looking for serviceability and and purchase price? Yeah. So they gave me they gave me a figure based on based on, obviously, my date details. And, yeah, obviously, with the with the what I've got saved so far that obviously contribute towards towards the deposit. Absolutely. And I think last time, you still had, like, a a managed fund with Colonial that was kind of growing in the background as well. I'm Yes. assuming they So that was that took was that the into aim account. to use that to use that as mainly for the deposit. Yes. Yeah. Awesome. And can I just quickly, for the records, note down what that balance would be sitting out for the Colonial account? The last statement I had from them was about it it was about 77,000 in that one. Okay. So 77,000 in investment and another 77 in cash savings? Oh, sorry. Sorry. No. So the 77 was in the that that that account. Yep. And then in terms of other savings, I've got about 28,000 in Yeah. a different, So you know, different bank account. hitting the $100,000 mark, well done. Yeah. Yeah. Yeah. When you put it together like that, yes.","start_word":484,"end_word":690,"sentiment":"neutral","sentiment_score":0.07826637476682663},{"text":"Perfect. Perfect.","start_word":691,"end_word":692,"sentiment":"positive","sentiment_score":0.6197704076766968},{"text":"So does it look pretty likely that you're gonna get a place in the next twelve months? What's what's it looking Yeah.","start_word":693,"end_word":714,"sentiment":"neutral","sentiment_score":0.18092773786999963},{"text":"That's definitely that's the plan.","start_word":715,"end_word":719,"sentiment":"positive","sentiment_score":0.559440016746521},{"text":"So I've just gotta get some fill out some paperwork like? with the bank so just to get a preapproval, and then then then I need to start looking for looking for a place.","start_word":720,"end_word":753,"sentiment":"neutral","sentiment_score":0.11469626426696776},{"text":"Perfect.","start_word":754,"end_word":754,"sentiment":"positive","sentiment_score":0.5955292582511902},{"text":"Now can I just quickly check with you because I'm a little bit worried about the markets at the moment? Yep. When it comes to your colonial investments, do you have them in anything high risk that could crash and affect your deposit? Like, is it sitting in shares, ETFs? Is it in something safer? Just to make sure the capital is preserved to use. That's a good question. It would obviously have a a a mix, but I don't know the I don't I don't know the exact details as we're talking now. I'd have to I'd have to follow that one up. That's okay. I just wanted to put that thought in your mind just in case if you had a bunch of, you know, international shares, ETFs, and all of a sudden they lose 30% because the stock market crashes just Mhmm. before Mhmm. you wanna pull that out Mhmm. for a deposit. Do you at all recall any of the investment options? Were you in, like, a Vanguard high growth or anything like that come to mind? No. I don't remember off top of my head. I'd have to I'd have to I'd have to check. I'm sorry. Is that one? That is totally fine. Do you mind after this review if I touch base with you in a few weeks just to follow that up because I don't want you to lose out on purchasing a house if there's anything risky there in the colonial. Would that be okay if I just Yeah. touch Yeah. base That's with fine. you later? I'll I'll I'll yeah. I'll follow that up with the with the bank that manages it. Yep. Yeah. That'd be perfect just because, again, if you're sitting there with a 100,000, if the stock market crashes right now just before purchasing and you've got anything high risk that goes down $20, that's gonna really hurt the deposit. So I'll Mhmm. just I just wanna make sure that we look into that. Sure.","start_word":755,"end_word":1092,"sentiment":"neutral","sentiment_score":-0.08308628258796838},{"text":"Perfect. Perfect. Perfect.","start_word":1093,"end_word":1095,"sentiment":"positive","sentiment_score":0.4119111895561218},{"text":"So outside of that, so we had the cash savings, the Colonial account. I think last time you had, like, a very small credit card and a car that you had paid off as well. Is that about it for assets and loans? Yes. So the the car has been paid off. Yep. I still have Fantastic. a small amount of credit card debt, but not nothing at nothing huge. So Perfect. And there's nothing else floating around? Personal loans, No. shares, Nothing like anything that. else? No. Yep. No. Awesome. Perfect. So that's it for assets and liabilities. I wanted to just quickly touch base before I jump into the super on your occupation because Mhmm. I was Mhmm. We've updated to a new system at Oakview, and it's been kind of custom built for us, and we've been cross referencing all the details from when you came on board till now just to make sure the system's accurate. I did have you noted down as, like, a client manager for the water quality lab, but then also moving to be, like, a scientist within the lab. Can I just clarify Yeah. the occupation? Yeah. That's still correct. Yeah. So there are the job title is client manager, and it is man with the call testing lab. So yes. Perfect. And still on around about 80,145, I think, we had last time. Yes. It sounds about right. Yep. Awesome. And would you sort of say that it's all, like, office based on the computer? Are you working with any hazardous materials? No. My job's more office based, so I'm mainly on computer. Perfect. And that's with ALS Limited? Yes. That's correct.","start_word":1096,"end_word":1377,"sentiment":"neutral","sentiment_score":0.06317289918661118},{"text":"Perfect.","start_word":1378,"end_word":1378,"sentiment":"positive","sentiment_score":0.35094189643859863},{"text":"So we have it all correct.","start_word":1379,"end_word":1384,"sentiment":"neutral","sentiment_score":0.30124855041503906},{"text":"That's amazing.","start_word":1385,"end_word":1386,"sentiment":"positive","sentiment_score":0.5519529581069946},{"text":"We had your next of kin or emergency contact noted as your sister, Matilda. Just Mhmm. making sure that's still okay. Yeah.","start_word":1387,"end_word":1408,"sentiment":"neutral","sentiment_score":0.08166353404521942},{"text":"That's still okay. Perfect. We still had your marital status as single, and she was kind of your beneficiary for the super as well.","start_word":1409,"end_word":1432,"sentiment":"positive","sentiment_score":0.3890862464904785},{"text":"Yes. Yep.","start_word":1433,"end_word":1434,"sentiment":"neutral","sentiment_score":0.25587642192840576},{"text":"Perfect.","start_word":1435,"end_word":1435,"sentiment":"positive","sentiment_score":0.5772051811218262},{"text":"Do you have anything in the way of, like, regular savings per week that you always make sure to put away? Because I know you're putting an extra $100 into your super with salary sacrifice. Do you also have a regular savings amount? Yes. I do. So I've got a yeah. I've got a set up to to to, excuse me, deposit regularly into of different bank accounts. So come on. Number escapes me off top of my head at the moment. But, yeah, I I do have that set up. So it goes out automatic automatically Perfect. So I'm into just gonna those put into down that those there separate is saving accounts. Yep. and would you kind of split split that between, like, short term fund, long term savings, or is it more like bills and house deposit? So I've got a couple. So I've got one for one for sort of bills and then one sort of for more longer longer term. So I don't know, like, if I wanted to take a holiday, for example, or Yeah. or something something else. So, yeah, I've got I've got a couple of different ones for different purposes. So so I could've, you know, one for more short term, one for more longer term savings.","start_word":1436,"end_word":1651,"sentiment":"neutral","sentiment_score":0.09728625416755676},{"text":"Amazing.","start_word":1652,"end_word":1652,"sentiment":"positive","sentiment_score":0.4498482048511505},{"text":"Last couple of questions I've got just to double check is in terms of, like, insolvency. This is a bit of a new question. Have you ever gone through a bankruptcy or part nine debt agreement before? Oh, no. Never. Perfect. Perfect. And did you end up putting in place, like, a will or a power of attorney for your estate plan? No. I still have to do that. So that's on my list of things to do. That's okay. One of the tips I've been kind of giving to people lately is if you don't need to go to a solicitor and your situation is decently simple, you can always go to the public trustee of your state. Kinda like the courthouse, they also do appointments to set up wills. And the post office also has will for, like, $25. So if that Oh, okay. kind of helps a little bit, there's a few options on what you could do. Okay.","start_word":1653,"end_word":1814,"sentiment":"neutral","sentiment_score":0.08238678949850577},{"text":"Yeah. That's good to know. Because, yeah, I think it's well, I'm certainly with my current situation, it'd be pretty if I set one up now, it'd be pretty pretty simple. So that's good Yeah.","start_word":1815,"end_word":1849,"sentiment":"positive","sentiment_score":0.5674905180931091},{"text":"to know. And just out of curiosity, would everything kind of go towards your your sister? Was that your intended aim for Yeah. all your That different was assets? my pretty much my intention. Yes. Yes. Yeah. So one thing I wanted to just flag on your account is that once you do have a will in place, if you can make sure, like, the super is included in that, we can make sure that your beneficiary is updated to be in line with the will because that would make it a lot easier for the estate to be distributed. Because Okay. if you just nominate your sister as an interdependent, they have to go through and prove, like, an interdependency relationship, which is a lot harder than just aiming it to the will and the will distributes. So, like, Oh, I'm okay. just gonna flag to update that once the will's in place. Okay. Sure. Cool. Now Yep. onto the fun bit. The superannuation, do you log in every now and then to see how it's going? I haven't for a while, to be honest. I I definitely should, but I I, you know, life gets in the way sometimes. No. That's totally fine. That's why you have us. And, again, I have those other people who will look at it daily and go, oh my god.","start_word":1850,"end_word":2077,"sentiment":"neutral","sentiment_score":0.08128492534160614},{"text":"The news said something, and my super went down 3,000. I'm panicking.","start_word":2078,"end_word":2089,"sentiment":"negative","sentiment_score":-0.3688831627368927},{"text":"And it's just like, don't do that to yourself. You have plenty of things to worry about. Mhmm. Do you think I'm gonna give you good news today or bad news? I would assume that perhaps maybe it's gone down slightly just based on what's happening with the market at the moment or or what's been happening, you know, recently. This Yep. So let me give you a bit of a short long term snapshot. If I look yeah. at I'll give you that recent situation Mhmm. over the last three months so you can see what happened there because I want you to be comfortable with your level of volatility. Because your Mhmm. portfolio is in a growth portfolio. It's a Yep. four out of five on the risk scale, still primarily focused on capital growth. Not the high risk, but it's one below that. And, obviously, at some point, we want to protect what you've built. You probably don't want to be high risk at the age of 64 and lose half your super year before you access Sure. it. No. That's right. Yes. So where it kind of peaked at was 339,000. It then went down to $2.95. So think of it as, like, 40,000 down, and then it bounced straight back up to $3.21. Okay. So it's bounced back from where it was. It's just below the peak of where it was, but it's gone That's down pretty back good. up. Yep. And even better is the twelve months. So I usually do that twelve month snapshot. Your growth risk profile, we usually aim for an average return of about 9% after fees, Oh, and you've actually cleared 16.42% net wow. return. So $49,000 of earnings in the last twelve months.","start_word":2090,"end_word":2384,"sentiment":"neutral","sentiment_score":0.01059635542333126},{"text":"That's that's great.","start_word":2385,"end_word":2387,"sentiment":"positive","sentiment_score":0.6272419095039368},{"text":"Yep. And you've had some of the best picked investments of any Oakview client outside of one option in particular. But out of about nine or 10 options, most of them had gone up 9%, 22%. You have battery tech and lithium, which if you recall is kind of electronic vehicles. Mhmm. Oh, yes. And Okay. Yep.","start_word":2388,"end_word":2444,"sentiment":"neutral","sentiment_score":0.15975095331668854},{"text":"because of all of that surge in EVs lately, your that portion of your super grew a 120% in the last twelve months. Okay. You have gold and silver. Your silver's up a 114%. You have some Asian shares up 67%. So you've had an absolute stellar year even with those fluctuations mixed in. Wonderful.","start_word":2445,"end_word":2499,"sentiment":"positive","sentiment_score":0.608817994594574},{"text":"The only thing that kind of dragged a little bit, your Australian shares went down about 11%. Every other option is pretty well in the positive. Okay. Now what I'm thinking is potentially just because of that one kind of underperforming as much as I would have expected. So normally, most Australian shares option are kind of either at about zero to 3% for the year. This one Mhmm.","start_word":2500,"end_word":2568,"sentiment":"neutral","sentiment_score":-0.10122522711753844},{"text":"being negative kind of worries me a little bit.","start_word":2569,"end_word":2577,"sentiment":"negative","sentiment_score":-0.33876773715019226},{"text":"I would probably look at maybe switching that one option out kind of like an engine tune. So we don't have to rebuild the engine. Most of the portfolio is perfect. Just that one option probably needs to be a bit cleaned up. Mhmm. Yep. Sure. Now do you have a preference and this is there's no wrong answer here, but do you have a preference between more low fee investments that follow the market closely or paying a bit more to try and outperform the market? Do you have a strong lean either way? No. Not no. Not really. No. And reason why I asked that is because if I'm gonna look at a replacement, we have a few that we've been researching recently, and I can pretty much find you a good one in either style of investment. Mhmm. Oh, If we okay. keep it to the same style, I can just look for a like for like replacement. If you wanna change the style to the more passive low fee side, I can look at that too. No. I'm I'm like for life sounds like sounds fine.","start_word":2578,"end_word":2767,"sentiment":"neutral","sentiment_score":-0.02636643312871456},{"text":"Perfect.","start_word":2768,"end_word":2768,"sentiment":"positive","sentiment_score":0.37427395582199097},{"text":"I do have a couple in mind that are a little bit more affordable, much better performance over the last three to five years. I'll do an updated comparison and get the team to book you in in a couple of weeks just to go through that together before we change anything. Mhmm. Okay. I am actually going on paternity leave in June with my third child, so I just wanna make sure I get that in front of you before I go.","start_word":2769,"end_word":2851,"sentiment":"neutral","sentiment_score":0.12694424354886436},{"text":"Sure. Oh, and congratulations. Thank you. We finally finished off the family build there. We have the two boys and a girl on the way. So How if exciting.","start_word":2852,"end_word":2880,"sentiment":"positive","sentiment_score":0.5864244103431702},{"text":"I'm a little bit if I'm a little bit tired on the phone right now, it's just because the boys are excited and keeping me up How how old are your boys? at night. Six and three. So they're Very very, very excited, but they're always bouncing around wanting to climb into bed with mom and talk to the baby good. in the belly and all Of that course. kind of thing.","start_word":2881,"end_word":2952,"sentiment":"neutral","sentiment_score":0.024267442524433136},{"text":"It's really cool.","start_word":2953,"end_word":2955,"sentiment":"positive","sentiment_score":0.5574707984924316},{"text":"So I'll definitely update a little bit on the portfolio there. Do you have any questions on the super side of things so far? No. That sounds good so far. Okay. Are you still comfortable with that amount of salary sacrifice into your super? Do you wanna continue that increase, decrease? How are you going cash flow wise? I'm I I definitely wanna continue with it. I'm happy to keep it the the the same amount. Yeah.","start_word":2956,"end_word":3032,"sentiment":"neutral","sentiment_score":0.13876080513000488},{"text":"That's perfect.","start_word":3033,"end_word":3034,"sentiment":"positive","sentiment_score":0.4185202121734619},{"text":"I'll just wanna confirm that for the projections. So what I'll Mhmm. do is I'll base it on the contributions your employer's putting in plus the 100 a week and Mhmm. the current portfolio compared to the new one. Okay. Perfect. Last couple of things for me just when it comes to your insurance policy. I have a NEOS certificate of currency that we've sent out to you. Okay. Now that includes your life insurance, TPD insurance, and income protection. Do you remember those three? Yes. Yep. Yep. Perfect. So where it's kind of sitting at today because it's one of those things we keep a close eye on. It increases every your anniversaries every November. Of course, it would. Yes. No. I'm I'm familiar with that. Yes. Yep. So the old step premium is jumping up with age. And once you hit the fifties, it can jump up pretty quickly. It's not too bad at the moment. It's about 2,200 after this 15% rebate. It's $1,888.20 out of the super. Mhmm. That's not too bad, but it could very quickly get to $3.04, 5,000 over the next five years. Yeah. Yeah. No. It's definitely for sure. I can I could I could see that happening? Yeah. Yep. Yeah. So we do have just shy of a 160,000 of life and total disability cover, which is your lump sum if you were to pass away or can never work again. So I Mhmm. just wanted to gauge it with you whether you still sort of value that type of cover. You know, if you you're in a car accident, you can never work again, you kind of get your super with that 160 of TBD, and that should hopefully kind of carry you through to that age pension age. What are your thoughts on those scenarios? I still think it's probably useful to useful to have. I guess, because you just you never know. And especially if I yeah. Because especially if I'm looking to go into the home market and and get a a larger loan, and then, you know, if something happens and I can't yeah. Can't make the repayments and Yeah. things Yeah. like Yeah. that. Yeah. Yeah. Yeah. So that's probably why the income protection is important to you as well because that's Mhmm. your that's your monthly income replacement. So if you're out of work for more than thirteen weeks, Mhmm. they will start paying that 5,596 per month out to Yep. you on a monthly basis for up to two years. So that will kind of help keep things going. If you have an injury that lasts more than two years, you're kind of looking at TPD territory. Like, if you haven't gone back for two years, it's kind of unlikely that you'll return to work. So that lump sum comes into it of the 160,000. Okay. Now the life and TB premiums are only about $4.41 in total for the year, so that's not too bad. The main one is the income protection.","start_word":3035,"end_word":3544,"sentiment":"neutral","sentiment_score":0.06016834942149181},{"text":"So as long as that's still important for your goals, I'm okay to kind of leave it alone and keep an eye on it as long as you still believe in that that protection for that mortgage repayment later.","start_word":3545,"end_word":3583,"sentiment":"positive","sentiment_score":0.3713052570819855},{"text":"Yes. At the moment at the yeah.","start_word":3584,"end_word":3590,"sentiment":"neutral","sentiment_score":0.2197328805923462},{"text":"At the moment, I I think it'd be good to keep it.","start_word":3591,"end_word":3602,"sentiment":"positive","sentiment_score":0.38747638463974},{"text":"What I'm gonna quickly check is your policy came in force in November 2021. Now I believe, if memory serves me correct, October 2021 is when they changed income protection to be 70% maximum. So, technically, it could possibly be insuring you for an income of 96,000, but you were telling me earlier that you're still on an income of around 80,000. Is that right? Yes. Yep. About that. Yes. K. So that might be something to look at because you might be a bit over insured. Oh, okay. And what I mean there is because they increase the prices, they also slowly increase your cover amount assuming that you're gonna get regular pay rises, and they do that automatically. Oh, okay. Now what that means is let's say you're insured for 96,000 and then you give them a tax return or a payslip that says 80,000, they will only pay you 70% based on the 80,000 Okay. on what you've got on paper. Yep. So I'm gonna get a reduction quote for you to make sure Mhmm. that you're not over insured.","start_word":3603,"end_word":3785,"sentiment":"neutral","sentiment_score":0.08685387670993805},{"text":"That that will save on the premiums a little bit.","start_word":3786,"end_word":3795,"sentiment":"positive","sentiment_score":0.36728882789611816},{"text":"Mhmm. Is it possible to get a pretty good confirmation of your annual income? So whether it's a tax return, payslip, are you pretty confident with $80,001.04 5? Do you think it could be a bit above or below that? I could I could send through a a recent pay slip if if to to you if that helps. Yep. And what I might do too is I'm looking at your contributions from work. Mhmm.","start_word":3796,"end_word":3870,"sentiment":"neutral","sentiment_score":0.1767725646495819},{"text":"Thankfully, they seem to be the exact same amount every fortnight.","start_word":3871,"end_word":3881,"sentiment":"positive","sentiment_score":0.3513503670692444},{"text":"Yeah. They have been recently. I mean, I've I've I had a look at a recent statement, and they were pretty consistent So fortnightly if I payment. go So but, yeah, I'll I'll I just can't I'll stop my head. The the an the annual so so I can send you through a pay slip so that should help Yeah. you out.","start_word":3882,"end_word":3943,"sentiment":"neutral","sentiment_score":0.04445615488915674},{"text":"That'd be helpful.","start_word":3944,"end_word":3946,"sentiment":"positive","sentiment_score":0.34235239028930664},{"text":"And just to try and save you the time a little bit, if I extrapolate out those contributions fortnightly, Mhmm. that works out to be a little bit under $12 a year. And if I work that back as 12% oh, and I've missed that calculation. Sorry. Bear with me for two seconds. Yeah. No We've problem. got $4.45 73 a fortnight, and that is divided by 12%. So it says that based on your contributions, you might actually be earning 96, around Oh, about. okay. So before I reduce your insurances, I'll double check that with you. Yeah. Yeah. No. That's fine. K. $96.05 $7.04 83. So I'm just gonna put that on my file note just so I can confirm which way it leans.","start_word":3947,"end_word":4072,"sentiment":"neutral","sentiment_score":0.0526035875082016},{"text":"And that's perfect.","start_word":4073,"end_word":4075,"sentiment":"positive","sentiment_score":0.6639320850372314},{"text":"So so far, we'll do a bit of a portfolio update. I'll double check if the insurance amounts are correct. But, otherwise, Mhmm.","start_word":4076,"end_word":4098,"sentiment":"neutral","sentiment_score":0.22984658181667328},{"text":"you're happy to kind of leave the life insurance alone.","start_word":4099,"end_word":4108,"sentiment":"positive","sentiment_score":0.43570688366889954},{"text":"Go to set up the will at some point as well. Is there do you have any questions so far on on those three areas? No.","start_word":4109,"end_word":4134,"sentiment":"neutral","sentiment_score":0.17799127101898193},{"text":"Everything's good so far. Perfect.","start_word":4135,"end_word":4139,"sentiment":"positive","sentiment_score":0.4952782094478607},{"text":"Is there anything else that you're working on the next three to five years goals wise that we haven't talked about already? I know you were saving for that home purchase. Is there anything Yes. else that's important? There's nothing that comes to mind at the moment. Yeah. And I think most of the goals that we had on the file was just about trying to get some good growth out of the super build up Mhmm. for that home purchase. We did have, like, a a tentative retirement age of about age 65 on about a thousand dollars a week at the time and really just about building that deposit up. Yeah. That's that sounds and then then that that sounds yeah. That sounds like what I would would have discussed previously. Yeah.","start_word":4140,"end_word":4273,"sentiment":"neutral","sentiment_score":0.174358979534747},{"text":"Perfect. So if it's okay with you, Sumena, what I might do while I'm putting together this updated document for you is I'll just get the team to touch base with you on a quick payslip, you know, email you, try and get a hold of one of those just to confirm.","start_word":4274,"end_word":4325,"sentiment":"positive","sentiment_score":0.4559811651706696},{"text":"And at the Yeah. same Yes. time, are you okay for them to ask about that colonial fund just to see if there's any issues with the risk level? Sure.","start_word":4326,"end_word":4355,"sentiment":"neutral","sentiment_score":0.0979541689157486},{"text":"Perfect. Might just wanna hit both of those in one call.","start_word":4356,"end_word":4366,"sentiment":"positive","sentiment_score":0.3754717707633972},{"text":"Is there a bit of a a time next week? Like, would you prefer the team to just send you an email, text message, give you a call next week to follow-up? What would be easier for you? Next week. Is there a certain time with our time or date that you're think thinking of? Well, we you're in Victoria. You're off of daylight savings now. Correct? It's Yeah. around about That's right. just That's before yeah. four We're o'clock? we're all on the same should be on the same time now. Perfect.","start_word":4367,"end_word":4459,"sentiment":"neutral","sentiment_score":0.05260348692536354},{"text":"That always confuses me.","start_word":4460,"end_word":4463,"sentiment":"negative","sentiment_score":-0.3878394365310669},{"text":"So if it's 04:00 now, we do have staff members that do late nights. So Mhmm. anytime from, say, 08:00 in the morning up until 06:30 at night, we have availability for someone to contact you. Oh, okay. Just thinking of me. Probably perhaps, like, in the in the in the morning sometime would be would be good. Yep. Is there any times where it's too late, you've started work, or too early, you're still having the coffee? I'd I'd I usually start work early, so anytime I update is fine for me. Yeah. Cool. Okay. I'll double I'll note that down on the file. So anytime after 8AM Mhmm. for a quick touch base. And, again, they're just gonna just quickly check about the payslip, try and grab one of those, and just to Yes.","start_word":4464,"end_word":4599,"sentiment":"neutral","sentiment_score":0.08723872385042555},{"text":"see how you went with Colonial, make sure there's no issues over there and and you're happy with all of that.","start_word":4600,"end_word":4620,"sentiment":"positive","sentiment_score":0.49213147163391113},{"text":"Mhmm. We'll go payslip and CFS. Is it at all possible would it be easier to send you an email and get one of the payslips and the colonial statement emailed back to us, or would you prefer a phone call? No. It's fine. If you send me an email, I can I can access those and get those get those to you?","start_word":4621,"end_word":4683,"sentiment":"neutral","sentiment_score":0.10556358844041824},{"text":"Perfect.","start_word":4684,"end_word":4684,"sentiment":"positive","sentiment_score":0.4789363741874695},{"text":"So you'll basically have two emails. The one I've sent you today is the Mhmm. annual review pack. So that's Mhmm. got your performance, your insurance certificate, a financial services guide from us with our updated licensing Mhmm. information, and it's also got your ongoing service agreement as well. I'll send you a separate email just for the administration side of things that you can reply to. Okay.","start_word":4685,"end_word":4752,"sentiment":"neutral","sentiment_score":0.22839905321598053},{"text":"Perfect.","start_word":4753,"end_word":4753,"sentiment":"positive","sentiment_score":0.465966671705246},{"text":"Now with that service agreement, I do have to ask if you're still comfortable to remain a client of Oakview's and if you're happy for us to continue looking after your super. Yes. Yes.","start_word":4754,"end_word":4787,"sentiment":"neutral","sentiment_score":0.20466499030590057},{"text":"Perfect.","start_word":4788,"end_word":4788,"sentiment":"positive","sentiment_score":0.3894002139568329},{"text":"So I'm just gonna grab up your hub twenty four account, and I'll let you know the agreement dates just so you're aware. So your reference date oh, there we go. So it actually expired two days ago. So Oh, just letting there you you know go. that it's just clicked off. The updated agreement is in there. It should be the usual 1.65Percent cap as well once you hit 600,000 in your balance. Now Okay. I'm just gonna double check the documents that I sent you because we have been doing a tax file number form as well, and I just wanna double check if I've sent that through to you. So we have your service agreement with Hub, and then, yes, we have put that in there. I just wanted to let you know what that form was about because of all of the cybersecurity issues last year, we're just getting clients to opt in to us holding that tax file number on the one document because it's a pretty sensitive number to hold, and we just wanna make sure that we still have Mhmm. your consent. Okay. Yep.","start_word":4789,"end_word":4979,"sentiment":"neutral","sentiment_score":0.1061139151610005},{"text":"Perfect.","start_word":4980,"end_word":4980,"sentiment":"positive","sentiment_score":0.5952757596969604},{"text":"So if you can have a look through there, when you open up that new email from our new system, it'll have all of your annual review pack attached like a regular email with PDF Mhmm. attachments at the bottom, and then there'll be a link for the service agreement as well if you could please sign that. Okay.","start_word":4981,"end_word":5039,"sentiment":"neutral","sentiment_score":0.2512448728084564},{"text":"Amazing.","start_word":5040,"end_word":5040,"sentiment":"positive","sentiment_score":0.5751806497573853},{"text":"Do you have any questions for me, Ximena, before I let you go? Yep. So I just wanted to clarify with that Colonial account. Yeah. I'd I'd you wanted me to find out the risk level. So Oh, yeah. So if we, for example, could get a statement, that will tell me what investment or just options this are there, oh, and then I can okay. figure out if there's any issues that I can spot as Okay. a bit of Sure. a second cursory glance. I'm not gonna tell you what to do with that account, but I just wanna double check it for you to see Yeah. if there's Yeah. any Sure. major risks. Yep. If you can find the investment option names, that would help too. But if it's on the statement, that kind of skips and speeds it up a little bit for you. Okay. Would No that problem. be okay? I'll I'll I'll see if I can dig dig that up for you and include that when I send through the pay slip.","start_word":5041,"end_word":5218,"sentiment":"neutral","sentiment_score":0.06531728059053421},{"text":"Easy done.","start_word":5219,"end_word":5220,"sentiment":"positive","sentiment_score":0.459003210067749},{"text":"So I will leave that Odoo sign with you now, and then I'm Mhmm. gonna go away and I'll shoot you an email for those two. Mhmm. The email should come from me with my email signature. So if Mhmm.","start_word":5221,"end_word":5260,"sentiment":"neutral","sentiment_score":0.22119271755218503},{"text":"you could please reply to that one with the documents, that would be fantastic.","start_word":5261,"end_word":5274,"sentiment":"positive","sentiment_score":0.4565674662590027},{"text":"Okay. Yeah.","start_word":5275,"end_word":5276,"sentiment":"neutral","sentiment_score":0.28094834089279175},{"text":"Sure. Amazing.","start_word":5277,"end_word":5278,"sentiment":"positive","sentiment_score":0.5018302798271179},{"text":"Anything else I can do for you before I let you go? No. That that's that's all that's all.","start_word":5279,"end_word":5297,"sentiment":"neutral","sentiment_score":0.017139919102191925},{"text":"Thank you. Awesome.","start_word":5298,"end_word":5300,"sentiment":"positive","sentiment_score":0.7047459483146667},{"text":"So once that email comes back to us, if there's anything that we're worried about, we'll give you a call of a morning time. Mhmm. If not, probably in about two weeks' time, the team will get you booked in with me just to go through that updated super portfolio.","start_word":5301,"end_word":5350,"sentiment":"neutral","sentiment_score":0.21732023358345032},{"text":"Okay. That that sounds good. Amazing, You have a fantastic evening, and thank you so much for your time today. You too. Thank you. Thank you. Bye.","start_word":5351,"end_word":5377,"sentiment":"positive","sentiment_score":0.7318125367164612},{"text":"Okay. Bye.","start_word":5378,"end_word":5379,"sentiment":"neutral","sentiment_score":0.1986139863729477}],"average":{"sentiment":"neutral","sentiment_score":0.10723266315549584}}}}