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Well, I won't keep you too long from it, mate, but I'm one of the senior advisers here and just wanted to run through your review with you. You and me just go through a quick security check with you while I send through your annual review pack? Beautiful. So I'm registered with ASIC as adviser 1 273105, and we do record our calls for training and quality purposes. Could I just get your date of birth and address, please? Sensational. Thank you so much for that, mate. Now I have popped through a annual review pack to your Hotmail address. Will you be able to look onto that with me today, or should I just kind of walk you through what's coming? That's no worries. While you're grabbing your computer there, I'll kinda let you know what's been sent your way. So there's the usual summary of your super and insurances coming through, bit of an updated performance report, certificate for your insurance policy itself, and just some updated services guides with Oak Financial. And, Steve, anything in particular you're hoping to get out of this year's review? Yep. No worries. There's a few things I wanted to run through with you today, mainly just around insurance pricing and portfolios within your Netwealth account. There's obviously been a few things going on with Iran, and we've made some changes to your account. While you're grabbing that email up, do you recall receiving maybe a few months ago a record of advice from us? Okay. Cool. Cool. So when you grab that email up from us, there's a I'm not sure if you used our new system before, but we've got a custom built CRM for all of your details for your LinkedIn, and it does include, like, a bit of a DocuSign feature. But what I want you to do, if you can, is if you hit the purple sign button, it'll bring open the six documents to run through with me, and just make sure you're comfortable with it before you sign anything. No. You're alright, man. And just while you're doing that, I'm gonna bring open your Netwealth account live as well just so I can get you sort of today's balance. Beautiful. You should see a first document when you open it up will be super insurance summary. Yeah. So when you open up the email, there'll be, like, a purple sign button, and it sort of brings you into the software link. Alright. And the first one that pops up should have, like, a overview letterhead at the top, and it should say summary of Super Insurance. Beautiful. So those will be the two main accounts to talk about today outside of any other advice areas you might need. Just to let you know, the balance as of today is $2.87 $6.04 4. So it obviously fluctuates every day. One thing I want you to do, if you could, please, is there should be a button saying next document. Yep. So if you just pop through to the next one, you'll see a Vanguard chart, big red doc big red banner there. And I just want you to skip past that one to the asset performance detail. And it's a huge table with Netwealth with about 400 figures on there. It is a bit large, but it's your portfolio breakdown. Yes. And then you should see blue table Netwealth logo asset performance. Cool. So with your super, you're in a pretty sort of high growth portfolio. Basically, everything is invested in growth assets between shares, property, gold, and so on. Very little is in the defensive side. Obviously, the whole point of that, get your high long term returns. One part I wanted to discuss with you today is at what point do we reduce the risk level down. But before I jump into that risk discussion, I just wanna let you know what that record of advice was that you received. Now normally, with the high growth portfolios, we're kind of aiming for, like, an average return of about, say, nine to 10%. In the good years, it goes up ten, twenty, 30. When the market crashes, it goes down. If you average it over the decade, you kinda wanna be in double digits territory. Does that make sense? Cool. Now if you can see on the left hand side, it's broken down categories of your investments, and you should see, like, cash, your alternative gold investment, and then some Australian and international equities and shares broken down by funds. Cool. If you swing over to the very right hand side, the second last column is a return percentage for every option. So what essentially happened this year, most of them that you can see are all double digits in terms of returns, but you can see in the middle, there's one there that says minus 23%, and then below it, there's one that says 5.86. Can you make that one out? Cool. So what basically happened was when the Iran war kicked off, one thing kind of broke within some Australian share funds where they kind of made a bit of a misstep in some companies they invested in. And some news articles came out in The UK and caused a significant write down of those assets, which basically cause that to start diving. Now normally, what would happen is we would call you up for a review and say, hey. Look. Here's your 10 options. One's not done so well. I'm gonna recommend changing it. What's happened with this fund in particular with Benelong is because of the issues were kind of so serious, we we in particular with Benelong is because of the issues were kind of so serious, we made it a decision across the entire client base at the investment committee level to divest everybody from that option and switch it out for a lower fee, better performing option before it got too bad. It's basically one of those ones where sometimes when funds don't perform as well, you give them a year or two to kind of bounce back. In this particular case, we didn't have any confidence that it would bounce back, So we switched it out with the one that you can see below it, which is the Australia sorry. BetaShares Australia two hundred. Now that's only been there for a few months, but it's already bounced back to percent. So what that's essentially done, normally, we would give you a statement of advice and say this is what we're doing, but this was kind of big enough to just warrant changing it and letting you know. It's brought your overall returns, like long term average for five years, back to that kind of 10 to 12% mark that we're aiming for. So when I review your account today, I can basically see all of these options here. They're all performing very, very well. Gold's doing its thing. International shares are doing their thing. I don't see any concerns as far as the remaining options that you have, but I just wanted to let you know what we were doing in the background. Cool. Yeah. And, look, this is not a very frequent thing that happens in the industry. Normally, we would just do the annual review. Any changes we wanna look at, we would just go through and update and buy strategy for you. But this one, yeah, a little bit quicker just to get onto it for you. My main question really is just around the risk level of things. Because we have you noted down for potentially retiring at about 65, what are your thoughts on the next sort of seven years or so with your trajectory? Yep. So the the couple of options we've got, if we stay high growth, we're obviously gonna get some really good long term returns over a seven to ten year period, and it's gonna really sort of soar the super up. Because you've got close to $300 now, when there's that 10% up or down, your super is gonna be jumping up and down 25 to $50,000 compared to that young kid that's got $30, and it goes up one or two. Do you know what I mean? So this is kind of your last period to get those really good returns and kind of finish off building the the amount that you need for the retirement goal. The question becomes, normally, for high growth, we usually wanna have around nine to ten years to invest in that risk level so that if the market crashes, you've got enough time to get the return target that we're after. The risk is if we stay in it, that it may delay your retirement by a year or two waiting for the market to bounce back if it crashes. So the alternative is so we can stay in there, get as much growth as we can. It may delay things by a year or two if the world explodes, or we could maybe drop down to a four out of five on the risk scale and maybe put some extra contributions in, whatever kind of works for you. I just wanted to wrap it by you. Yeah. Yeah. So do you think that based on and I'll update a couple of details in a second with you. But just in terms of your cash flow, would you be able to look at a bit of salary sacrifice, $50 a week, a $100 a week, something like that to to get it going and reduce the risk level down? How's your cash flow at the moment? K. Because you're on was it about a 100,000 or you'd be a bit bit above that now? K. So because you're in that tax bracket, let's say for every $100 you put in, it probably costs you about 67 in the pocket because it goes in pretax. So I just wanna be guided by you in terms of budget. And bear in mind, you can access a bit of your super back at 60, but you still are focusing on your mortgage repayments and things like that. So we wanna kind of do a bit of both. What would be a a comfortable amount to start with, do you think? Okay. Right. Offset account or extra repayments? Cool. Okay. What's the home loan sitting at at the moment? I think last check was 600,000. Yeah. Okay. Yep. Okay. That works pretty good because I've got a few ideas here. So the mortgage is still a big priority, and knocking that off is gonna help retirement anyway, especially because obviously less you know, not having a mortgage repayment, don't need as much coming out of super to fund it. It's the same kind of thing. Right? Less expenses versus more coming out. We we had a pretty modest kind of retirement goal listed down, let's say, 500 a week after tax with possibly the mortgage paid off just to look after the expenses and things like that. Does that still sound about right? Cool. So with with that figure, you only need somewhere between 250 to 500,000. So $2.50 would be minimum where it would run out over about fifteen to twenty years. 500,000 would be you could pop that out in perpetuity without it going down. So, you know, you get a 5% return, $50, 500 comes out, 500 return goes in, and you've still got that 500,000 in ten, twenty, thirty years' time. So we're already sort of hitting that threshold where you're getting close to 300,000 now. So you're actually getting pretty close. So what we should probably do then is rather than the salary sacrificing, I think the biggest risk that you face is, again, that market crash. If if the stock market completely wipes out 50%, you're delaying your retirement by at least two years. So what I can do is you keep focusing on the mortgage. We can reduce the risk level down one peg to start with from a high growth to a growth. We'll still get that kind of eight to 10 returns and still get you up to that three, four hundred mark. And then when you hit 60, we can do something called a transition strategy. So it's the ability to kind of pull a bit of money out of your super, put it back in again for a tax deduction, and the difference in the pocket. So what I'm sort of thinking is a bit of a three step. You focus on the mortgage. I'll reduce your risk level down a little bit. And then once we hit 60, we'll do a couple of extra strategies there and maybe revisit some contributions then. Yep. Because, again, I don't want you putting it all into the super, then the mortgage is still hanging around by the endpoint. Yeah. Yeah. Yep. So the other thing we can do too is I wanna kind of look at reducing costs a little bit. On that email, if you can go to the next document, I just wanna quickly touch on your insurances for a moment. It's a green yeah. It's a green Tau Certificate of Currency. So BT For Life was the insurer. That's now been kind of bought out by Tal, which is one of the sort of big five anyway. So they're the ones that are looking after the policy at the moment. Now if you go down, the premiums was set to 630 sorry. Not premiums. The cover amount, 636,000, was there to cover the mortgage for life and disability. So if you can never work again, pass away, here's the debt cleared out so it doesn't pass pass on to your daughter who you have as beneficiary. So the question is because the premiums have jumped up again, when you hit the late fifties, they go up quite quickly. So we're looking at 6,900 at the moment per year coming out of the super. 15% rebate drops it to about $6, but it's still a pretty hefty chunk compared to your contributions. So what I'm sort of thinking is if you've paid off 50 on the mortgage, I can look at just a little bit of a trim down from $6.36 to maybe $5.50 if you're comfortable just to kind of keep a lid on that a little bit. You think that would be a good idea to do? Just sort of get the cost down? Cool. So I'll do the usual research check where I see if there's any other providers that are offering a better deal, but I know TEL's actually got one of the best pricings at the moment. I'll do the research just to double check, but I don't wanna send you through a full application process to change insurers if it's not gonna be any benefit to you. But at the very least, we'll do an alteration and reduce that a little bit. Cool. There's no income protection or trauma insurance on there, but I'm assuming you just wanna focus on the mortgage and the the life of the yeah. Gotcha. Got Gotcha. Okay. So that gives me a really good idea of what to do with the super and the insurances. A bit of a trim down, reduce the risk a little bit. We'll revisit that extra strategy when you turn 60. We'll do a bit of preplanning at the next review because we can kind of run through the figures with you before that birthday. Yeah. Yeah. Like, if we can still get you to the goal with a little bit less risk, I think that's kind of the best of both worlds. Like, we're not we're not trying to get you a million dollars. We're only trying to get an extra couple of $100 to make sure it's it's safe. And if I can do that with less risk, why not? So I'll put together a bit of a plan. Oh, sorry, mate. I didn't mean to interrupt you there. Yeah. I mean, in terms of putting in contributions, can do or trying to get as much returns as possible. I'm just conscious of time frames. And I'm thinking that the safest thing for you is if we get you to the goal with a bit less risk and the mortgage paid down and keep a lid on the cost, you're gonna get there without having to worry about, oh, I've gotta work another three years. Just because if I know, you know, what's current currently going on in the world, could explode very, very quickly. And I guess the worst case scenario is if do you remember sort of GFC that happened in 2009? So that was, like, eighteen months it took for the market to get to the bottom. It was just a straight year and a half of everything crashing down, about 60%. It took five years for it to get back up. That's why we kind of say ten years is a good time frame. What's looking more volatile at the moment, and what that really means is that more news articles you see with crazy things happening, the market goes higher and lower quicker rather than that slow and steady growth. That can sometimes break, and then you have a crash. And I don't wanna call you next year and say, hey. You're you're now sitting at a $190,000, and we've got to build it back up from there. Yep. So insurances, the super there. And just in terms of the estate planning side of things, you do have both on the super and the towel policy, Amber listed as the beneficiary. Is that still okay? Cool. Did you manage to get a will put in place? Cool. Alright. I'll just include the usual reminders for the the will and the power of attorney, but I'll leave the beneficiaries as they are. Beautiful. Outside of that, is there anything else that you're sort of focusing on in the next couple of years besides the mortgage? Yeah. Be nice to not have that hanging around. Yep. Yep. Cool. Yep. Yeah. So if you're putting that extra couple of grand in there, you should pretty much be able to clear at least that $1.50 well and truly before age 65. Cool. Okay. I've got that noted down, and that's cool. So that one's actually been built and and moved in and everything, so I'll put that as a goal achieved. So fantastic. I will raise one quick little thing with you, and I don't mean to be negative about it at all, but we do talk to lawyers quite often about estate planning, especially given the the current economic situation. A lot of your generation is helping children get into the market, dual living, that kind of thing. And they're reminded to us as just a flag with clients to make sure you've got, like, financial agreements in place or something in writing so that it makes sense where it's going to. Obviously, I know you trust your daughter. You list her as your beneficiary, but I just wanted to flag that as a you know, it's part of the estate planning side of things or down the line as well. So some people do a thing where they'll have an agreement for the the children to pay off the main home, and then they can actually sort of pay to to buy it kind of thing, and that's essentially their inheritance. So I know some people where they've got one set of children that are helping, another set of children who are off, and they go as part of your inheritance, you're gonna buy me out this part of the property, and then you're covered here. And then for the other children, I'm gonna set aside this. Just making it a bit more concrete on paper. Not sure if you've got other children floating around or any anyone that could pop out of the woodworks. Cool. Yeah. I just thought I'd flag it just in case. It would be sort of remiss for me not to at least mention the idea of putting things on paper. I've seen some funny things. I have seen some funny things. And were you still thinking of one day getting the the old RV as well? So any idea how much they cost these days? Have you sort of looked into it yet, or is that a bit further down the line? Yep. 80 to $1.50. I'll just note it down there so I can kind of track that as part of the the retirement goals with you because there's the mortgage, there's the income, there's the RV, and I wanna try and make sure that you can sort of achieve all three. Oh, fantastic. Oh, exit. Perfect. What do you reckon the the panel van goes for at the moment? Yep. Awesome. 60 there, 70 in savings, $1.50 on your portion for the mortgage. That's looking pretty good. Any other loans or assets that I can add down? Perfect. Couple other detail. You borrow off yourself in terms of, like, dip out a bit of savings and then make sure you put it back. Alright. Cool. I've got the 400 and the $1.50 added in there as well just as a bit of a further breakdown. Home value, I think we had 1.5 on there. Now that you've done the granny site, do you have an idea of what it may may look like? Uh-huh. Yeah. Awesome. And just quickly, so you mentioned before that your income bumped up maybe a bit above a $100. Do you know where you landed for the the tax year just gone by? Cool. I'll go off one ten for the projections update for you just so I can sort of factor in the contributions from work in there and show you kind of what that looks like. And just in terms of the occupation, are you still with Alex Logistics? Veolia, the the old gas company. Waste company. That's it. Water and waste, the big bins. Sweet. And are you what are you doing with them at the moment? I just wanna add in just an occupation Fantastic. Is that fully office space, or would you have to just sort of go out sites, vehicles, travel to locations? Perfect. Thank you so much for that, Steven. Appreciate that. I think I have everything up to date so far. Any questions for me so far based on what we talked about? Yeah. Yep. So what will basically happen from here, just as a bit of a heads up, is I'm sending this to my team now to do that research on the risk reduction and the insurance reduction. They're basically gonna put that research into an updated document, new projections together, and I will be away next week. But when I get back, I'll get them to sort of book you in, and we can run through the figures together. Make sure you're happy with the plan. If you give me the thumbs up, we can launch in and make the switches. Cool. Outside of that, the only two remaining documents in that email for the review today is the Oakview services guide. That's your updated, like, licensing information, privacy policy, and so on. A bit more story about the company. And the last one is just the consent and service agreement. So in order for us to remain your advisers, we do need your yearly consent, and the the fees haven't changed from last year. They're still 1.65% spread through the year and the monthlies. There is a discussion we've had with Sevvy and Bart to look at a bit of a tiered fee structure. So from next year onwards, we're gonna start providing discounts for clients above 200,000. Cool. So this one will be the same, but the next review we do, when I talk about that transition to retirement strategy for 60 and beyond, that should all be in place by then as well. Cool. Alright, Steven. Mate, that's everything from me so far. I do appreciate the time. Anything else I can help with in Yeah. So you know how we were going through the documents before and skipping across them? When you hit click to start, it'll actually bring you to the signing spots to stamp on, like, name, signature, and date, and then should be good to from there. Once you're done, there'll be a validate button, which may take a a few moments to load the circle, and then it'll ask you to download a copy signed copy for your records. Beauty. So just give that a go for me, see if there's any troubles with it. I believe it might be your first time using this system, so I'll just be there to troubleshoot. That's alright. I can I can leave that one with you if you wanna switch devices? But if you have any trouble, just give us a call. Alright. Good. Yeah. Sometimes I've heard it take five seconds. Sometimes it's taking a good minute minute ten. Oh, that's actually come through signed already, so thank you for doing that. It's come through to me fine. Alrighty. Mate, if there's nothing else, I will send this off to the team. Are you all good for, like, login access and everything to your Netwealth, or you just prefer getting the reports from us? Is there anything else I can sort out? Cool. Alright. Yep. The only other two things I was gonna quickly ask and then let you go is did you want me to set up a security question, or are you still happy to go through date of birth address with us? Us? Cool. And just for review frequency, did you want me to pencil in some more frequent catch ups, quarterly, six monthly, or just wait for the annual reviews? Yeah. Yep. Reach out if there's anything crazy going on. Awesome, Steven, mate. Really appreciate your time today. It's been a pleasure, and I'll probably send you the usual feedback message as well, which would be appreciated. But if nothing else, I will see you possibly in a fortnight. I will. Thank you so much, mate. See you then. 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day, Steven. Tommy here from Oakview Financial. How are you doing today? Living the dream so far. It's been a beautiful day on the Gold Coast.\n\nWhat about your end? Alright. Well, I won't keep you too long from it, mate, but I'm one of the senior advisers here and just wanted to run through your review with you. You and me just go through a quick security check with you while I send through your annual review pack? Beautiful.\n\nSo I'm registered with ASIC as adviser 1 273105, and we do record our calls for training and quality purposes. Could I just get your date of birth and address, please? Sensational. Thank you so much for that, mate. Now I have popped through a annual review pack to your Hotmail address.\n\nWill you be able to look onto that with me today, or should I just kind of walk you through what's coming? That's no worries. While you're grabbing your computer there, I'll kinda let you know what's been sent your way. So there's the usual summary of your super and insurances coming through, bit of an updated performance report, certificate for your insurance policy itself, and just some updated services guides with Oak Financial. And, Steve, anything in particular you're hoping to get out of this year's review?\n\nYep. No worries. There's a few things I wanted to run through with you today, mainly just around insurance pricing and portfolios within your Netwealth account. There's obviously been a few things going on with Iran, and we've made some changes to your account. While you're grabbing that email up, do you recall receiving maybe a few months ago a record of advice from us?\n\nOkay. Cool. Cool. So when you grab that email up from us, there's a I'm not sure if you used our new system before, but we've got a custom built CRM for all of your details for your LinkedIn, and it does include, like, a bit of a DocuSign feature. But what I want you to do, if you can, is if you hit the purple sign button, it'll bring open the six documents to run through with me, and just make sure you're comfortable with it before you sign anything.\n\nNo. You're alright, man. And just while you're doing that, I'm gonna bring open your Netwealth account live as well just so I can get you sort of today's balance. Beautiful. You should see a first document when you open it up will be super insurance summary.\n\nYeah. So when you open up the email, there'll be, like, a purple sign button, and it sort of brings you into the software link. Alright. And the first one that pops up should have, like, a overview letterhead at the top, and it should say summary of Super Insurance. Beautiful.\n\nSo those will be the two main accounts to talk about today outside of any other advice areas you might need. Just to let you know, the balance as of today is $2.87 $6.04 4. So it obviously fluctuates every day. One thing I want you to do, if you could, please, is there should be a button saying next document. Yep.\n\nSo if you just pop through to the next one, you'll see a Vanguard chart, big red doc big red banner there. And I just want you to skip past that one to the asset performance detail. And it's a huge table with Netwealth with about 400 figures on there. It is a bit large, but it's your portfolio breakdown. Yes.\n\nAnd then you should see blue table Netwealth logo asset performance. Cool. So with your super, you're in a pretty sort of high growth portfolio. Basically, everything is invested in growth assets between shares, property, gold, and so on. Very little is in the defensive side.\n\nObviously, the whole point of that, get your high long term returns. One part I wanted to discuss with you today is at what point do we reduce the risk level down. But before I jump into that risk discussion, I just wanna let you know what that record of advice was that you received. Now normally, with the high growth portfolios, we're kind of aiming for, like, an average return of about, say, nine to 10%. In the good years, it goes up ten, twenty, 30.\n\nWhen the market crashes, it goes down. If you average it over the decade, you kinda wanna be in double digits territory. Does that make sense? Cool. Now if you can see on the left hand side, it's broken down categories of your investments, and you should see, like, cash, your alternative gold investment, and then some Australian and international equities and shares broken down by funds.\n\nCool. If you swing over to the very right hand side, the second last column is a return percentage for every option. So what essentially happened this year, most of them that you can see are all double digits in terms of returns, but you can see in the middle, there's one there that says minus 23%, and then below it, there's one that says 5.86. Can you make that one out? Cool.\n\nSo what basically happened was when the Iran war kicked off, one thing kind of broke within some Australian share funds where they kind of made a bit of a misstep in some companies they invested in. And some news articles came out in The UK and caused a significant write down of those assets, which basically cause that to start diving. Now normally, what would happen is we would call you up for a review and say, hey. Look. Here's your 10 options.\n\nOne's not done so well. I'm gonna recommend changing it. What's happened with this fund in particular with Benelong is because of the issues were kind of so serious, we we in particular with Benelong is because of the issues were kind of so serious, we made it a decision across the entire client base at the investment committee level to divest everybody from that option and switch it out for a lower fee, better performing option before it got too bad. It's basically one of those ones where sometimes when funds don't perform as well, you give them a year or two to kind of bounce back. In this particular case, we didn't have any confidence that it would bounce back, So we switched it out with the one that you can see below it, which is the Australia sorry.\n\nBetaShares Australia two hundred. Now that's only been there for a few months, but it's already bounced back to percent. So what that's essentially done, normally, we would give you a statement of advice and say this is what we're doing, but this was kind of big enough to just warrant changing it and letting you know. It's brought your overall returns, like long term average for five years, back to that kind of 10 to 12% mark that we're aiming for. So when I review your account today, I can basically see all of these options here.\n\nThey're all performing very, very well. Gold's doing its thing. International shares are doing their thing. I don't see any concerns as far as the remaining options that you have, but I just wanted to let you know what we were doing in the background. Cool.\n\nYeah. And, look, this is not a very frequent thing that happens in the industry. Normally, we would just do the annual review. Any changes we wanna look at, we would just go through and update and buy strategy for you. But this one, yeah, a little bit quicker just to get onto it for you.\n\nMy main question really is just around the risk level of things. Because we have you noted down for potentially retiring at about 65, what are your thoughts on the next sort of seven years or so with your trajectory? Yep. So the the couple of options we've got, if we stay high growth, we're obviously gonna get some really good long term returns over a seven to ten year period, and it's gonna really sort of soar the super up. Because you've got close to $300 now, when there's that 10% up or down, your super is gonna be jumping up and down 25 to $50,000 compared to that young kid that's got $30, and it goes up one or two.\n\nDo you know what I mean? So this is kind of your last period to get those really good returns and kind of finish off building the the amount that you need for the retirement goal. The question becomes, normally, for high growth, we usually wanna have around nine to ten years to invest in that risk level so that if the market crashes, you've got enough time to get the return target that we're after. The risk is if we stay in it, that it may delay your retirement by a year or two waiting for the market to bounce back if it crashes. So the alternative is so we can stay in there, get as much growth as we can.\n\nIt may delay things by a year or two if the world explodes, or we could maybe drop down to a four out of five on the risk scale and maybe put some extra contributions in, whatever kind of works for you. I just wanted to wrap it by you. Yeah. Yeah. So do you think that based on and I'll update a couple of details in a second with you.\n\nBut just in terms of your cash flow, would you be able to look at a bit of salary sacrifice, $50 a week, a $100 a week, something like that to to get it going and reduce the risk level down? How's your cash flow at the moment? K. Because you're on was it about a 100,000 or you'd be a bit bit above that now? K.\n\nSo because you're in that tax bracket, let's say for every $100 you put in, it probably costs you about 67 in the pocket because it goes in pretax. So I just wanna be guided by you in terms of budget. And bear in mind, you can access a bit of your super back at 60, but you still are focusing on your mortgage repayments and things like that. So we wanna kind of do a bit of both. What would be a a comfortable amount to start with, do you think?\n\nOkay. Right. Offset account or extra repayments? Cool. Okay.\n\nWhat's the home loan sitting at at the moment? I think last check was 600,000. Yeah. Okay. Yep.\n\nOkay. That works pretty good because I've got a few ideas here. So the mortgage is still a big priority, and knocking that off is gonna help retirement anyway, especially because obviously less you know, not having a mortgage repayment, don't need as much coming out of super to fund it. It's the same kind of thing. Right?\n\nLess expenses versus more coming out. We we had a pretty modest kind of retirement goal listed down, let's say, 500 a week after tax with possibly the mortgage paid off just to look after the expenses and things like that. Does that still sound about right? Cool. So with with that figure, you only need somewhere between 250 to 500,000.\n\nSo $2.50 would be minimum where it would run out over about fifteen to twenty years. 500,000 would be you could pop that out in perpetuity without it going down. So, you know, you get a 5% return, $50, 500 comes out, 500 return goes in, and you've still got that 500,000 in ten, twenty, thirty years' time. So we're already sort of hitting that threshold where you're getting close to 300,000 now. So you're actually getting pretty close.\n\nSo what we should probably do then is rather than the salary sacrificing, I think the biggest risk that you face is, again, that market crash. If if the stock market completely wipes out 50%, you're delaying your retirement by at least two years. So what I can do is you keep focusing on the mortgage. We can reduce the risk level down one peg to start with from a high growth to a growth. We'll still get that kind of eight to 10 returns and still get you up to that three, four hundred mark.\n\nAnd then when you hit 60, we can do something called a transition strategy. So it's the ability to kind of pull a bit of money out of your super, put it back in again for a tax deduction, and the difference in the pocket. So what I'm sort of thinking is a bit of a three step. You focus on the mortgage. I'll reduce your risk level down a little bit.\n\nAnd then once we hit 60, we'll do a couple of extra strategies there and maybe revisit some contributions then. Yep. Because, again, I don't want you putting it all into the super, then the mortgage is still hanging around by the endpoint. Yeah. Yeah.\n\nYep. So the other thing we can do too is I wanna kind of look at reducing costs a little bit. On that email, if you can go to the next document, I just wanna quickly touch on your insurances for a moment. It's a green yeah. It's a green Tau Certificate of Currency.\n\nSo BT For Life was the insurer. That's now been kind of bought out by Tal, which is one of the sort of big five anyway. So they're the ones that are looking after the policy at the moment. Now if you go down, the premiums was set to 630 sorry. Not premiums.\n\nThe cover amount, 636,000, was there to cover the mortgage for life and disability. So if you can never work again, pass away, here's the debt cleared out so it doesn't pass pass on to your daughter who you have as beneficiary. So the question is because the premiums have jumped up again, when you hit the late fifties, they go up quite quickly. So we're looking at 6,900 at the moment per year coming out of the super. 15% rebate drops it to about $6, but it's still a pretty hefty chunk compared to your contributions.\n\nSo what I'm sort of thinking is if you've paid off 50 on the mortgage, I can look at just a little bit of a trim down from $6.36 to maybe $5.50 if you're comfortable just to kind of keep a lid on that a little bit. You think that would be a good idea to do? Just sort of get the cost down? Cool. So I'll do the usual research check where I see if there's any other providers that are offering a better deal, but I know TEL's actually got one of the best pricings at the moment.\n\nI'll do the research just to double check, but I don't wanna send you through a full application process to change insurers if it's not gonna be any benefit to you. But at the very least, we'll do an alteration and reduce that a little bit. Cool. There's no income protection or trauma insurance on there, but I'm assuming you just wanna focus on the mortgage and the the life of the yeah. Gotcha.\n\nGot Gotcha. Okay. So that gives me a really good idea of what to do with the super and the insurances. A bit of a trim down, reduce the risk a little bit. We'll revisit that extra strategy when you turn 60.\n\nWe'll do a bit of preplanning at the next review because we can kind of run through the figures with you before that birthday. Yeah. Yeah. Like, if we can still get you to the goal with a little bit less risk, I think that's kind of the best of both worlds. Like, we're not we're not trying to get you a million dollars.\n\nWe're only trying to get an extra couple of $100 to make sure it's it's safe. And if I can do that with less risk, why not? So I'll put together a bit of a plan. Oh, sorry, mate. I didn't mean to interrupt you there.\n\nYeah. I mean, in terms of putting in contributions, can do or trying to get as much returns as possible. I'm just conscious of time frames. And I'm thinking that the safest thing for you is if we get you to the goal with a bit less risk and the mortgage paid down and keep a lid on the cost, you're gonna get there without having to worry about, oh, I've gotta work another three years. Just because if I know, you know, what's current currently going on in the world, could explode very, very quickly.\n\nAnd I guess the worst case scenario is if do you remember sort of GFC that happened in 2009? So that was, like, eighteen months it took for the market to get to the bottom. It was just a straight year and a half of everything crashing down, about 60%. It took five years for it to get back up. That's why we kind of say ten years is a good time frame.\n\nWhat's looking more volatile at the moment, and what that really means is that more news articles you see with crazy things happening, the market goes higher and lower quicker rather than that slow and steady growth. That can sometimes break, and then you have a crash. And I don't wanna call you next year and say, hey. You're you're now sitting at a $190,000, and we've got to build it back up from there. Yep.\n\nSo insurances, the super there. And just in terms of the estate planning side of things, you do have both on the super and the towel policy, Amber listed as the beneficiary. Is that still okay? Cool. Did you manage to get a will put in place?\n\nCool. Alright. I'll just include the usual reminders for the the will and the power of attorney, but I'll leave the beneficiaries as they are. Beautiful. Outside of that, is there anything else that you're sort of focusing on in the next couple of years besides the mortgage?\n\nYeah. Be nice to not have that hanging around. Yep. Yep. Cool.\n\nYep. Yeah. So if you're putting that extra couple of grand in there, you should pretty much be able to clear at least that $1.50 well and truly before age 65. Cool. Okay.\n\nI've got that noted down, and that's cool. So that one's actually been built and and moved in and everything, so I'll put that as a goal achieved. So fantastic. I will raise one quick little thing with you, and I don't mean to be negative about it at all, but we do talk to lawyers quite often about estate planning, especially given the the current economic situation. A lot of your generation is helping children get into the market, dual living, that kind of thing.\n\nAnd they're reminded to us as just a flag with clients to make sure you've got, like, financial agreements in place or something in writing so that it makes sense where it's going to. Obviously, I know you trust your daughter. You list her as your beneficiary, but I just wanted to flag that as a you know, it's part of the estate planning side of things or down the line as well. So some people do a thing where they'll have an agreement for the the children to pay off the main home, and then they can actually sort of pay to to buy it kind of thing, and that's essentially their inheritance. So I know some people where they've got one set of children that are helping, another set of children who are off, and they go as part of your inheritance, you're gonna buy me out this part of the property, and then you're covered here.\n\nAnd then for the other children, I'm gonna set aside this. Just making it a bit more concrete on paper. Not sure if you've got other children floating around or any anyone that could pop out of the woodworks. Cool. Yeah.\n\nI just thought I'd flag it just in case. It would be sort of remiss for me not to at least mention the idea of putting things on paper. I've seen some funny things. I have seen some funny things. And were you still thinking of one day getting the the old RV as well?\n\nSo any idea how much they cost these days? Have you sort of looked into it yet, or is that a bit further down the line? Yep. 80 to $1.50. I'll just note it down there so I can kind of track that as part of the the retirement goals with you because there's the mortgage, there's the income, there's the RV, and I wanna try and make sure that you can sort of achieve all three.\n\nOh, fantastic. Oh, exit. Perfect. What do you reckon the the panel van goes for at the moment? Yep.\n\nAwesome. 60 there, 70 in savings, $1.50 on your portion for the mortgage. That's looking pretty good. Any other loans or assets that I can add down? Perfect.\n\nCouple other detail. You borrow off yourself in terms of, like, dip out a bit of savings and then make sure you put it back. Alright. Cool. I've got the 400 and the $1.50 added in there as well just as a bit of a further breakdown.\n\nHome value, I think we had 1.5 on there. Now that you've done the granny site, do you have an idea of what it may may look like? Uh-huh. Yeah. Awesome.\n\nAnd just quickly, so you mentioned before that your income bumped up maybe a bit above a $100. Do you know where you landed for the the tax year just gone by? Cool. I'll go off one ten for the projections update for you just so I can sort of factor in the contributions from work in there and show you kind of what that looks like. And just in terms of the occupation, are you still with Alex Logistics?\n\nVeolia, the the old gas company. Waste company. That's it. Water and waste, the big bins. Sweet.\n\nAnd are you what are you doing with them at the moment? I just wanna add in just an occupation Fantastic. Is that fully office space, or would you have to just sort of go out sites, vehicles, travel to locations? Perfect. Thank you so much for that, Steven.\n\nAppreciate that. I think I have everything up to date so far. Any questions for me so far based on what we talked about? Yeah. Yep.\n\nSo what will basically happen from here, just as a bit of a heads up, is I'm sending this to my team now to do that research on the risk reduction and the insurance reduction. They're basically gonna put that research into an updated document, new projections together, and I will be away next week. But when I get back, I'll get them to sort of book you in, and we can run through the figures together. Make sure you're happy with the plan. If you give me the thumbs up, we can launch in and make the switches.\n\nCool. Outside of that, the only two remaining documents in that email for the review today is the Oakview services guide. That's your updated, like, licensing information, privacy policy, and so on. A bit more story about the company. And the last one is just the consent and service agreement.\n\nSo in order for us to remain your advisers, we do need your yearly consent, and the the fees haven't changed from last year. They're still 1.65% spread through the year and the monthlies. There is a discussion we've had with Sevvy and Bart to look at a bit of a tiered fee structure. So from next year onwards, we're gonna start providing discounts for clients above 200,000. Cool.\n\nSo this one will be the same, but the next review we do, when I talk about that transition to retirement strategy for 60 and beyond, that should all be in place by then as well. Cool. Alright, Steven. Mate, that's everything from me so far. I do appreciate the time.\n\nAnything else I can help with in Yeah. So you know how we were going through the documents before and skipping across them? When you hit click to start, it'll actually bring you to the signing spots to stamp on, like, name, signature, and date, and then should be good to from there. Once you're done, there'll be a validate button, which may take a a few moments to load the circle, and then it'll ask you to download a copy signed copy for your records. Beauty.\n\nSo just give that a go for me, see if there's any troubles with it. I believe it might be your first time using this system, so I'll just be there to troubleshoot. That's alright. I can I can leave that one with you if you wanna switch devices? But if you have any trouble, just give us a call.\n\nAlright. Good. Yeah. Sometimes I've heard it take five seconds. Sometimes it's taking a good minute minute ten.\n\nOh, that's actually come through signed already, so thank you for doing that. It's come through to me fine. Alrighty. Mate, if there's nothing else, I will send this off to the team. Are you all good for, like, login access and everything to your Netwealth, or you just prefer getting the reports from us?\n\nIs there anything else I can sort out? Cool. Alright. Yep. The only other two things I was gonna quickly ask and then let you go is did you want me to set up a security question, or are you still happy to go through date of birth address with us?\n\nUs? Cool. And just for review frequency, did you want me to pencil in some more frequent catch ups, quarterly, six monthly, or just wait for the annual reviews? Yeah. Yep.\n\nReach out if there's anything crazy going on. Awesome, Steven, mate. Really appreciate your time today. It's been a pleasure, and I'll probably send you the usual feedback message as well, which would be appreciated. But if nothing else, I will see you possibly in a fortnight.\n\nI will. Thank you so much, mate. See you then. Bye.","paragraphs":[{"sentences":[{"text":"Good day, Steven.","start":1.92,"end":2.8799999,"sentiment":"positive","sentiment_score":0.4823904037475586},{"text":"Tommy here from Oakview Financial.","start":2.8799999,"end":4.3199997,"sentiment":"positive","sentiment_score":0.38499844670295713},{"text":"How are you doing today?","start":4.3199997,"end":5.38,"sentiment":"neutral","sentiment_score":0.3250518023967743},{"text":"Living the dream so far.","start":7.44,"end":8.559999,"sentiment":"positive","sentiment_score":0.6862987279891968},{"text":"It's been a beautiful day on the Gold Coast.","start":8.559999,"end":10.24,"sentiment":"positive","sentiment_score":0.8025407791137695}],"sentiment":"positive","sentiment_score":0.579695670693009,"num_words":27,"start":1.92,"end":10.24},{"sentences":[{"text":"What about your end?","start":10.24,"end":11.38,"sentiment":"neutral","sentiment_score":0.2168654128909111},{"text":"Alright.","start":15.04,"end":15.44,"sentiment":"neutral","sentiment_score":0.16178202629089355},{"text":"Well, I won't keep you too long from it, mate, but I'm one of the senior advisers here and just wanted to run through your review with you.","start":15.44,"end":22.615,"sentiment":"neutral","sentiment_score":0.036299720273486207},{"text":"You and me just go through a quick security check with you while I send through your annual review pack?","start":23.235,"end":28.08,"sentiment":"neutral","sentiment_score":0.06206734543666244},{"text":"Beautiful.","start":30.0,"end":30.4,"sentiment":"positive","sentiment_score":0.40083450078964233}],"sentiment":"neutral","sentiment_score":0.06829291213027856,"num_words":54,"start":10.24,"end":30.4},{"sentences":[{"text":"So I'm registered with ASIC as adviser 1 273105, and we do record our calls for training and quality purposes.","start":30.4,"end":38.58,"sentiment":"neutral","sentiment_score":0.11581439115107059},{"text":"Could I just get your date of birth and address, please?","start":38.96,"end":50.515,"sentiment":"neutral","sentiment_score":0.05688783323222941},{"text":"Sensational.","start":50.735,"end":51.235,"sentiment":"neutral","sentiment_score":0.1328512877225876},{"text":"Thank you so much for that, mate.","start":51.535,"end":52.895,"sentiment":"positive","sentiment_score":0.6260087660380772},{"text":"Now I have popped through a annual review pack to your Hotmail address.","start":52.895,"end":57.0,"sentiment":"neutral","sentiment_score":0.23219049664644095}],"sentiment":"neutral","sentiment_score":0.20145082874939993,"num_words":52,"start":30.4,"end":57.0},{"sentences":[{"text":"Will you be able to look onto that with me today, or should I just kind of walk you through what's coming?","start":57.24,"end":61.5,"sentiment":"neutral","sentiment_score":0.17525361004200848},{"text":"That's no worries.","start":65.72,"end":66.78,"sentiment":"neutral","sentiment_score":0.13405069957176843},{"text":"While you're grabbing your computer there, I'll kinda let you know what's been sent your way.","start":67.56,"end":72.375,"sentiment":"neutral","sentiment_score":0.17134943045675755},{"text":"So there's the usual summary of your super and insurances coming through, bit of an updated performance report, certificate for your insurance policy itself, and just some updated services guides with Oak Financial.","start":72.535,"end":88.25,"sentiment":"neutral","sentiment_score":0.11059119778149056},{"text":"And, Steve, anything in particular you're hoping to get out of this year's review?","start":88.47,"end":92.090004,"sentiment":"neutral","sentiment_score":0.0673489977738687}],"sentiment":"neutral","sentiment_score":0.13172406707467002,"num_words":88,"start":57.24,"end":92.090004},{"sentences":[{"text":"Yep.","start":102.325005,"end":102.725,"sentiment":"neutral","sentiment_score":0.07762330770492554},{"text":"No worries.","start":102.725,"end":103.385,"sentiment":"neutral","sentiment_score":0.0533393956720829},{"text":"There's a few things I wanted to run through with you today, mainly just around insurance pricing and portfolios within your Netwealth account.","start":103.765,"end":111.33,"sentiment":"neutral","sentiment_score":0.02948426107025665},{"text":"There's obviously been a few things going on with Iran, and we've made some changes to your account.","start":111.810005,"end":117.35,"sentiment":"neutral","sentiment_score":-0.06914074449903435},{"text":"While you're grabbing that email up, do you recall receiving maybe a few months ago a record of advice from us?","start":118.130005,"end":124.515,"sentiment":"neutral","sentiment_score":0.016511883586645126}],"sentiment":"neutral","sentiment_score":-0.0005437498768934837,"num_words":65,"start":102.325005,"end":124.515},{"sentences":[{"text":"Okay.","start":132.995,"end":133.395,"sentiment":"positive","sentiment_score":0.3387717604637146},{"text":"Cool.","start":133.395,"end":133.715,"sentiment":"positive","sentiment_score":0.5081682205200195},{"text":"Cool.","start":133.715,"end":133.955,"sentiment":"positive","sentiment_score":0.39852991700172424},{"text":"So when you grab that email up from us, there's a I'm not sure if you used our new system before, but we've got a custom built CRM for all of your details for your LinkedIn, and it does include, like, a bit of a DocuSign feature.","start":133.955,"end":146.37,"sentiment":"neutral","sentiment_score":0.17343161714837907},{"text":"But what I want you to do, if you can, is if you hit the purple sign button, it'll bring open the six documents to run through with me, and just make sure you're comfortable with it before you sign anything.","start":146.59,"end":156.345,"sentiment":"neutral","sentiment_score":0.15947598491500065}],"sentiment":"neutral","sentiment_score":0.17511287126894837,"num_words":91,"start":132.995,"end":156.345},{"sentences":[{"text":"No.","start":169.3,"end":169.38,"sentiment":"neutral","sentiment_score":0.01644863933324814},{"text":"You're alright, man.","start":169.38,"end":170.28,"sentiment":"neutral","sentiment_score":0.12622042496999106},{"text":"And just while you're doing that, I'm gonna bring open your Netwealth account live as well just so I can get you sort of today's balance.","start":174.74,"end":180.55501,"sentiment":"neutral","sentiment_score":0.1590641112281726},{"text":"Beautiful.","start":184.855,"end":185.355,"sentiment":"positive","sentiment_score":0.5664904117584229},{"text":"You should see a first document when you open it up will be super insurance summary.","start":186.135,"end":202.14,"sentiment":"neutral","sentiment_score":0.23233728297054768}],"sentiment":"neutral","sentiment_score":0.1875460371375084,"num_words":47,"start":169.3,"end":202.14},{"sentences":[{"text":"Yeah.","start":220.17,"end":220.40999,"sentiment":"neutral","sentiment_score":0.03540607541799545},{"text":"So when you open up the email, there'll be, like, a purple sign button, and it sort of brings you into the software link.","start":220.40999,"end":226.43,"sentiment":"neutral","sentiment_score":0.03594668170747658},{"text":"Alright.","start":233.04999,"end":233.54999,"sentiment":"neutral","sentiment_score":0.024689193814992905},{"text":"And the first one that pops up should have, like, a overview letterhead at the top, and it should say summary of Super Insurance.","start":235.755,"end":241.13501,"sentiment":"neutral","sentiment_score":0.08112337129811446},{"text":"Beautiful.","start":256.42,"end":256.92,"sentiment":"positive","sentiment_score":0.4814801812171936}],"sentiment":"neutral","sentiment_score":0.06571091612910523,"num_words":51,"start":220.17,"end":256.92},{"sentences":[{"text":"So those will be the two main accounts to talk about today outside of any other advice areas you might need.","start":256.98,"end":262.51498,"sentiment":"neutral","sentiment_score":0.17419492825865746},{"text":"Just to let you know, the balance as of today is $2.87 $6.04 4.","start":262.895,"end":267.695,"sentiment":"neutral","sentiment_score":0.0785123190975615},{"text":"So it obviously fluctuates every day.","start":267.695,"end":269.79498,"sentiment":"neutral","sentiment_score":-0.05042978065709273},{"text":"One thing I want you to do, if you could, please, is there should be a button saying next document.","start":270.095,"end":275.54,"sentiment":"neutral","sentiment_score":0.019563845172524453},{"text":"Yep.","start":277.36002,"end":277.68,"sentiment":"neutral","sentiment_score":0.1669144630432129}],"sentiment":"neutral","sentiment_score":0.0808528813443357,"num_words":62,"start":256.98,"end":277.68},{"sentences":[{"text":"So if you just pop through to the next one, you'll see a Vanguard chart, big red doc big red banner there.","start":277.68,"end":282.8,"sentiment":"neutral","sentiment_score":0.1390786865218119},{"text":"And I just want you to skip past that one to the asset performance detail.","start":282.8,"end":287.065,"sentiment":"neutral","sentiment_score":0.10398049702246984},{"text":"And it's a huge table with Netwealth with about 400 figures on there.","start":288.24503,"end":293.285,"sentiment":"neutral","sentiment_score":0.1625238204231629},{"text":"It is a bit large, but it's your portfolio breakdown.","start":293.285,"end":296.505,"sentiment":"neutral","sentiment_score":0.06434224359691143},{"text":"Yes.","start":300.885,"end":301.23,"sentiment":"neutral","sentiment_score":0.08048926293849945}],"sentiment":"neutral","sentiment_score":0.12223212988894494,"num_words":61,"start":277.68,"end":301.23},{"sentences":[{"text":"And then you should see blue table Netwealth logo asset performance.","start":303.79,"end":307.65002,"sentiment":"neutral","sentiment_score":0.07700519365343181},{"text":"Cool.","start":310.11002,"end":310.43002,"sentiment":"positive","sentiment_score":0.4522150456905365},{"text":"So with your super, you're in a pretty sort of high growth portfolio.","start":310.43002,"end":313.89,"sentiment":"neutral","sentiment_score":0.3300611021427008},{"text":"Basically, everything is invested in growth assets between shares, property, gold, and so on.","start":314.27002,"end":318.98502,"sentiment":"neutral","sentiment_score":0.20985703489610127},{"text":"Very little is in the defensive side.","start":319.285,"end":321.385,"sentiment":"neutral","sentiment_score":0.0314217135310173}],"sentiment":"neutral","sentiment_score":0.1901742823259986,"num_words":46,"start":303.79,"end":321.385},{"sentences":[{"text":"Obviously, the whole point of that, get your high long term returns.","start":321.525,"end":324.42502,"sentiment":"neutral","sentiment_score":0.2642691433429718},{"text":"One part I wanted to discuss with you today is at what point do we reduce the risk level down.","start":325.045,"end":330.345,"sentiment":"neutral","sentiment_score":0.034811219573020934},{"text":"But before I jump into that risk discussion, I just wanna let you know what that record of advice was that you received.","start":330.64502,"end":336.21,"sentiment":"neutral","sentiment_score":0.03229670453330745},{"text":"Now normally, with the high growth portfolios, we're kind of aiming for, like, an average return of about, say, nine to 10%.","start":338.35,"end":344.43,"sentiment":"neutral","sentiment_score":0.060655942356044594},{"text":"In the good years, it goes up ten, twenty, 30.","start":344.43,"end":346.755,"sentiment":"neutral","sentiment_score":0.05797706320881844}],"sentiment":"neutral","sentiment_score":0.07499401930762434,"num_words":87,"start":321.525,"end":346.755},{"sentences":[{"text":"When the market crashes, it goes down.","start":346.995,"end":348.915,"sentiment":"neutral","sentiment_score":-0.15234696013586863},{"text":"If you average it over the decade, you kinda wanna be in double digits territory.","start":348.915,"end":352.915,"sentiment":"neutral","sentiment_score":0.02602947801351547},{"text":"Does that make sense?","start":352.915,"end":353.975,"sentiment":"neutral","sentiment_score":0.08447185810655355},{"text":"Cool.","start":355.075,"end":355.39502,"sentiment":"neutral","sentiment_score":0.24517089128494263},{"text":"Now if you can see on the left hand side, it's broken down categories of your investments, and you should see, like, cash, your alternative gold investment, and then some Australian and international equities and shares broken down by funds.","start":355.39502,"end":369.49002,"sentiment":"neutral","sentiment_score":0.12210847232490778}],"sentiment":"neutral","sentiment_score":0.0715135920292406,"num_words":67,"start":346.995,"end":369.49002},{"sentences":[{"text":"Cool.","start":370.11002,"end":370.59,"sentiment":"neutral","sentiment_score":0.20318442583084104},{"text":"If you swing over to the very right hand side, the second last column is a return percentage for every option.","start":370.59,"end":377.01498,"sentiment":"neutral","sentiment_score":0.12572608285007023},{"text":"So what essentially happened this year, most of them that you can see are all double digits in terms of returns, but you can see in the middle, there's one there that says minus 23%, and then below it, there's one that says 5.86.","start":379.395,"end":393.59,"sentiment":"neutral","sentiment_score":0.0746509852734479},{"text":"Can you make that one out?","start":393.59,"end":395.91,"sentiment":"neutral","sentiment_score":0.08634733160336812},{"text":"Cool.","start":395.91,"end":396.23,"sentiment":"neutral","sentiment_score":0.3226501941680908}],"sentiment":"neutral","sentiment_score":0.09546314659592224,"num_words":73,"start":370.11002,"end":396.23},{"sentences":[{"text":"So what basically happened was when the Iran war kicked off, one thing kind of broke within some Australian share funds where they kind of made a bit of a misstep in some companies they invested in.","start":396.23,"end":409.255,"sentiment":"neutral","sentiment_score":-0.11426968832273741},{"text":"And some news articles came out in The UK and caused a significant write down of those assets, which basically cause that to start diving.","start":409.39502,"end":417.88,"sentiment":"neutral","sentiment_score":-0.20700550675392151},{"text":"Now normally, what would happen is we would call you up for a review and say, hey.","start":418.66,"end":422.66,"sentiment":"neutral","sentiment_score":-0.03931378375957994},{"text":"Look.","start":422.66,"end":422.9,"sentiment":"neutral","sentiment_score":-0.027012541890144348},{"text":"Here's your 10 options.","start":422.9,"end":424.04,"sentiment":"neutral","sentiment_score":-0.033509532921016216}],"sentiment":"neutral","sentiment_score":-0.12181548969376654,"num_words":84,"start":396.23,"end":424.04},{"sentences":[{"text":"One's not done so well.","start":424.26,"end":425.78,"sentiment":"negative","sentiment_score":-0.37003291249275205},{"text":"I'm gonna recommend changing it.","start":425.78,"end":427.63998,"sentiment":"neutral","sentiment_score":-0.18694140613079072},{"text":"What's happened with this fund in particular with Benelong is because of the issues were kind of so serious, we we in particular with Benelong is because of the issues were kind of so serious, we made it a decision across the entire client base at the investment committee level to divest everybody from that option and switch it out for a lower fee, better performing option before it got too bad.","start":429.86,"end":449.5,"sentiment":"neutral","sentiment_score":-0.032369382770007685},{"text":"It's basically one of those ones where sometimes when funds don't perform as well, you give them a year or two to kind of bounce back.","start":449.96,"end":455.34,"sentiment":"neutral","sentiment_score":-0.23767983712829077},{"text":"In this particular case, we didn't have any confidence that it would bounce back, So we switched it out with the one that you can see below it, which is the Australia sorry.","start":455.4,"end":464.945,"sentiment":"neutral","sentiment_score":-0.12918354438222718}],"sentiment":"neutral","sentiment_score":-0.11034184313834981,"num_words":141,"start":424.26,"end":464.945},{"sentences":[{"text":"BetaShares Australia two hundred.","start":464.945,"end":466.80502,"sentiment":"neutral","sentiment_score":-0.00906044477596879},{"text":"Now that's only been there for a few months, but it's already bounced back to percent.","start":467.345,"end":470.64502,"sentiment":"neutral","sentiment_score":-0.0557035761885345},{"text":"So what that's essentially done, normally, we would give you a statement of advice and say this is what we're doing, but this was kind of big enough to just warrant changing it and letting you know.","start":472.78998,"end":481.44998,"sentiment":"neutral","sentiment_score":0.09832253810521718},{"text":"It's brought your overall returns, like long term average for five years, back to that kind of 10 to 12% mark that we're aiming for.","start":481.83,"end":490.185,"sentiment":"positive","sentiment_score":0.3751075753569603},{"text":"So when I review your account today, I can basically see all of these options here.","start":492.325,"end":497.045,"sentiment":"neutral","sentiment_score":0.32094401586800814}],"sentiment":"neutral","sentiment_score":0.17574723009780355,"num_words":98,"start":464.945,"end":497.045},{"sentences":[{"text":"They're all performing very, very well.","start":497.045,"end":498.885,"sentiment":"positive","sentiment_score":0.5382879376411438},{"text":"Gold's doing its thing.","start":498.885,"end":500.22,"sentiment":"positive","sentiment_score":0.4269867017865181},{"text":"International shares are doing their thing.","start":500.22,"end":502.13998,"sentiment":"positive","sentiment_score":0.41557348271210987},{"text":"I don't see any concerns as far as the remaining options that you have, but I just wanted to let you know what we were doing in the background.","start":502.13998,"end":509.03998,"sentiment":"neutral","sentiment_score":0.23291969016708178},{"text":"Cool.","start":511.74,"end":512.205,"sentiment":"positive","sentiment_score":0.5663273334503174}],"sentiment":"neutral","sentiment_score":0.3206981234252453,"num_words":46,"start":497.045,"end":512.205},{"sentences":[{"text":"Yeah.","start":516.28503,"end":516.78503,"sentiment":"neutral","sentiment_score":0.3224019408226013},{"text":"And, look, this is not a very frequent thing that happens in the industry.","start":516.84503,"end":520.84503,"sentiment":"neutral","sentiment_score":0.06710634832935673},{"text":"Normally, we would just do the annual review.","start":520.84503,"end":522.865,"sentiment":"neutral","sentiment_score":0.09802163438871503},{"text":"Any changes we wanna look at, we would just go through and update and buy strategy for you.","start":523.085,"end":527.55,"sentiment":"neutral","sentiment_score":0.13559762843781048},{"text":"But this one, yeah, a little bit quicker just to get onto it for you.","start":527.70996,"end":531.17,"sentiment":"neutral","sentiment_score":0.19769272754589717}],"sentiment":"neutral","sentiment_score":0.13307521638593503,"num_words":56,"start":516.28503,"end":531.17},{"sentences":[{"text":"My main question really is just around the risk level of things.","start":531.63,"end":535.73,"sentiment":"neutral","sentiment_score":-0.0834130651007096},{"text":"Because we have you noted down for potentially retiring at about 65, what are your thoughts on the next sort of seven years or so with your trajectory?","start":536.02997,"end":545.665,"sentiment":"neutral","sentiment_score":-0.029051662688808783},{"text":"Yep.","start":561.82,"end":562.32,"sentiment":"neutral","sentiment_score":0.16131800413131714},{"text":"So the the couple of options we've got, if we stay high growth, we're obviously gonna get some really good long term returns over a seven to ten year period, and it's gonna really sort of soar the super up.","start":564.94,"end":575.755,"sentiment":"positive","sentiment_score":0.3685076780617237},{"text":"Because you've got close to $300 now, when there's that 10% up or down, your super is gonna be jumping up and down 25 to $50,000 compared to that young kid that's got $30, and it goes up one or two.","start":576.535,"end":590.70996,"sentiment":"neutral","sentiment_score":0.15104843539799132}],"sentiment":"neutral","sentiment_score":0.1580344888641209,"num_words":122,"start":531.63,"end":590.70996},{"sentences":[{"text":"Do you know what I mean?","start":590.70996,"end":591.76996,"sentiment":"neutral","sentiment_score":0.01848775955537955},{"text":"So this is kind of your last period to get those really good returns and kind of finish off building the the amount that you need for the retirement goal.","start":593.43,"end":601.385,"sentiment":"neutral","sentiment_score":0.3060917059580485},{"text":"The question becomes, normally, for high growth, we usually wanna have around nine to ten years to invest in that risk level so that if the market crashes, you've got enough time to get the return target that we're after.","start":603.205,"end":615.77997,"sentiment":"neutral","sentiment_score":0.04717162479646504},{"text":"The risk is if we stay in it, that it may delay your retirement by a year or two waiting for the market to bounce back if it crashes.","start":616.16,"end":623.3,"sentiment":"neutral","sentiment_score":-0.21809271466115426},{"text":"So the alternative is so we can stay in there, get as much growth as we can.","start":627.76,"end":632.815,"sentiment":"neutral","sentiment_score":0.18792564443805637}],"sentiment":"neutral","sentiment_score":0.06598844228037556,"num_words":122,"start":590.70996,"end":632.815},{"sentences":[{"text":"It may delay things by a year or two if the world explodes, or we could maybe drop down to a four out of five on the risk scale and maybe put some extra contributions in, whatever kind of works for you.","start":632.815,"end":645.7,"sentiment":"neutral","sentiment_score":-0.06183633084098498},{"text":"I just wanted to wrap it by you.","start":645.7,"end":647.48004,"sentiment":"neutral","sentiment_score":0.1593929324299097},{"text":"Yeah.","start":657.86005,"end":658.095,"sentiment":"neutral","sentiment_score":0.04121839255094528},{"text":"Yeah.","start":661.13495,"end":661.63495,"sentiment":"neutral","sentiment_score":0.09876193851232529},{"text":"So do you think that based on and I'll update a couple of details in a second with you.","start":661.77496,"end":668.095,"sentiment":"neutral","sentiment_score":0.1526501139527873}],"sentiment":"neutral","sentiment_score":0.0242021135251287,"num_words":71,"start":632.815,"end":668.095},{"sentences":[{"text":"But just in terms of your cash flow, would you be able to look at a bit of salary sacrifice, $50 a week, a $100 a week, something like that to to get it going and reduce the risk level down?","start":668.095,"end":678.66,"sentiment":"neutral","sentiment_score":0.08052614940012373},{"text":"How's your cash flow at the moment?","start":678.66,"end":680.27997,"sentiment":"neutral","sentiment_score":0.007283992899049606},{"text":"K.","start":684.89996,"end":685.22,"sentiment":"neutral","sentiment_score":0.02760217152535915},{"text":"Because you're on was it about a 100,000 or you'd be a bit bit above that now?","start":685.22,"end":689.835,"sentiment":"neutral","sentiment_score":0.012567628805032548},{"text":"K.","start":693.11505,"end":693.515,"sentiment":"neutral","sentiment_score":0.04774467647075653}],"sentiment":"neutral","sentiment_score":0.05435159124447895,"num_words":67,"start":668.095,"end":693.515},{"sentences":[{"text":"So because you're in that tax bracket, let's say for every $100 you put in, it probably costs you about 67 in the pocket because it goes in pretax.","start":693.515,"end":703.83,"sentiment":"neutral","sentiment_score":0.0567122338146999},{"text":"So I just wanna be guided by you in terms of budget.","start":705.91003,"end":709.45,"sentiment":"neutral","sentiment_score":0.3008287747701009},{"text":"And bear in mind, you can access a bit of your super back at 60, but you still are focusing on your mortgage repayments and things like that.","start":709.67004,"end":717.59,"sentiment":"neutral","sentiment_score":0.2413933960986989},{"text":"So we wanna kind of do a bit of both.","start":717.59,"end":719.695,"sentiment":"neutral","sentiment_score":0.2849611595273018},{"text":"What would be a a comfortable amount to start with, do you think?","start":720.635,"end":723.935,"sentiment":"neutral","sentiment_score":0.15517065616754386}],"sentiment":"neutral","sentiment_score":0.18348310102263224,"num_words":92,"start":693.515,"end":723.935},{"sentences":[{"text":"Okay.","start":732.795,"end":733.295,"sentiment":"neutral","sentiment_score":0.15404030680656433},{"text":"Right.","start":743.0,"end":743.5,"sentiment":"neutral","sentiment_score":0.026302766054868695},{"text":"Offset account or extra repayments?","start":744.12,"end":746.46,"sentiment":"neutral","sentiment_score":0.025785483047366144},{"text":"Cool.","start":750.21497,"end":750.535,"sentiment":"neutral","sentiment_score":0.1498873233795166},{"text":"Okay.","start":750.535,"end":751.035,"sentiment":"neutral","sentiment_score":0.07567693293094635}],"sentiment":"neutral","sentiment_score":0.05942608271208075,"num_words":9,"start":732.795,"end":751.035},{"sentences":[{"text":"What's the home loan sitting at at the moment?","start":751.495,"end":753.175,"sentiment":"neutral","sentiment_score":0.02381428165568246},{"text":"I think last check was 600,000.","start":753.175,"end":755.035,"sentiment":"neutral","sentiment_score":0.0011647017672657967},{"text":"Yeah.","start":771.71,"end":772.21,"sentiment":"neutral","sentiment_score":0.017588157206773758},{"text":"Okay.","start":785.79504,"end":786.29504,"sentiment":"neutral","sentiment_score":0.10122543573379517},{"text":"Yep.","start":803.67004,"end":804.17004,"sentiment":"neutral","sentiment_score":0.2598627209663391}],"sentiment":"neutral","sentiment_score":0.033332947745091386,"num_words":18,"start":751.495,"end":804.17004},{"sentences":[{"text":"Okay.","start":804.55005,"end":805.05005,"sentiment":"positive","sentiment_score":0.41414904594421387},{"text":"That works pretty good because I've got a few ideas here.","start":805.27,"end":812.475,"sentiment":"positive","sentiment_score":0.5896630639379675},{"text":"So the mortgage is still a big priority, and knocking that off is gonna help retirement anyway, especially because obviously less you know, not having a mortgage repayment, don't need as much coming out of super to fund it.","start":812.695,"end":825.3,"sentiment":"neutral","sentiment_score":0.2992780818006931},{"text":"It's the same kind of thing.","start":825.3,"end":826.34,"sentiment":"neutral","sentiment_score":0.25132861236731213},{"text":"Right?","start":826.34,"end":826.84,"sentiment":"neutral","sentiment_score":0.13462068140506744}],"sentiment":"positive","sentiment_score":0.348532418880997,"num_words":58,"start":804.55005,"end":826.84},{"sentences":[{"text":"Less expenses versus more coming out.","start":826.98004,"end":829.16003,"sentiment":"neutral","sentiment_score":0.07829741264382999},{"text":"We we had a pretty modest kind of retirement goal listed down, let's say, 500 a week after tax with possibly the mortgage paid off just to look after the expenses and things like that.","start":829.94,"end":843.175,"sentiment":"neutral","sentiment_score":0.17605605678898947},{"text":"Does that still sound about right?","start":843.175,"end":844.795,"sentiment":"neutral","sentiment_score":0.0955168145398299},{"text":"Cool.","start":849.335,"end":849.75,"sentiment":"positive","sentiment_score":0.3608620762825012},{"text":"So with with that figure, you only need somewhere between 250 to 500,000.","start":849.99,"end":856.97,"sentiment":"neutral","sentiment_score":0.2013967942733031}],"sentiment":"neutral","sentiment_score":0.16694865168118087,"num_words":61,"start":826.98004,"end":856.97},{"sentences":[{"text":"So $2.50 would be minimum where it would run out over about fifteen to twenty years.","start":857.11,"end":862.995,"sentiment":"neutral","sentiment_score":0.18080194480717182},{"text":"500,000 would be you could pop that out in perpetuity without it going down.","start":863.315,"end":868.515,"sentiment":"neutral","sentiment_score":0.2653506344982556},{"text":"So, you know, you get a 5% return, $50, 500 comes out, 500 return goes in, and you've still got that 500,000 in ten, twenty, thirty years' time.","start":868.515,"end":879.45,"sentiment":"positive","sentiment_score":0.3524912361587797},{"text":"So we're already sort of hitting that threshold where you're getting close to 300,000 now.","start":879.45,"end":884.49,"sentiment":"neutral","sentiment_score":0.30742295185724894},{"text":"So you're actually getting pretty close.","start":884.49,"end":886.11,"sentiment":"neutral","sentiment_score":0.31356191138426465}],"sentiment":"neutral","sentiment_score":0.29076215643671494,"num_words":79,"start":857.11,"end":886.11},{"sentences":[{"text":"So what we should probably do then is rather than the salary sacrificing, I think the biggest risk that you face is, again, that market crash.","start":887.52997,"end":896.81494,"sentiment":"neutral","sentiment_score":-0.2593731966156226},{"text":"If if the stock market completely wipes out 50%, you're delaying your retirement by at least two years.","start":896.81494,"end":902.51495,"sentiment":"negative","sentiment_score":-0.3914794350663821},{"text":"So what I can do is you keep focusing on the mortgage.","start":903.69495,"end":906.79004,"sentiment":"neutral","sentiment_score":0.19425812487800917},{"text":"We can reduce the risk level down one peg to start with from a high growth to a growth.","start":907.17,"end":911.91003,"sentiment":"neutral","sentiment_score":0.22567717417290337},{"text":"We'll still get that kind of eight to 10 returns and still get you up to that three, four hundred mark.","start":912.61,"end":918.55,"sentiment":"positive","sentiment_score":0.5140929988452366}],"sentiment":"neutral","sentiment_score":0.03775608167052269,"num_words":96,"start":887.52997,"end":918.55},{"sentences":[{"text":"And then when you hit 60, we can do something called a transition strategy.","start":919.915,"end":926.655,"sentiment":"positive","sentiment_score":0.3385829265628542},{"text":"So it's the ability to kind of pull a bit of money out of your super, put it back in again for a tax deduction, and the difference in the pocket.","start":927.03503,"end":943.0,"sentiment":"positive","sentiment_score":0.3433580143797782},{"text":"So what I'm sort of thinking is a bit of a three step.","start":943.06,"end":945.54,"sentiment":"neutral","sentiment_score":0.2922330235059445},{"text":"You focus on the mortgage.","start":945.54,"end":946.755,"sentiment":"neutral","sentiment_score":0.3143161326646805},{"text":"I'll reduce your risk level down a little bit.","start":946.755,"end":948.855,"sentiment":"neutral","sentiment_score":0.30246196190516156}],"sentiment":"neutral","sentiment_score":0.3260698200513919,"num_words":72,"start":919.915,"end":948.855},{"sentences":[{"text":"And then once we hit 60, we'll do a couple of extra strategies there and maybe revisit some contributions then.","start":948.995,"end":955.735,"sentiment":"neutral","sentiment_score":0.20274461209774017},{"text":"Yep.","start":958.915,"end":959.235,"sentiment":"neutral","sentiment_score":0.11258894205093384},{"text":"Because, again, I don't want you putting it all into the super, then the mortgage is still hanging around by the endpoint.","start":959.235,"end":964.04,"sentiment":"neutral","sentiment_score":-0.2099763173609972},{"text":"Yeah.","start":976.205,"end":976.445,"sentiment":"neutral","sentiment_score":0.042476046830415726},{"text":"Yeah.","start":976.445,"end":976.605,"sentiment":"neutral","sentiment_score":0.012035608291625977}],"sentiment":"neutral","sentiment_score":-0.00883302539587021,"num_words":45,"start":948.995,"end":976.605},{"sentences":[{"text":"Yep.","start":976.605,"end":977.105,"sentiment":"neutral","sentiment_score":0.053351663053035736},{"text":"So the other thing we can do too is I wanna kind of look at reducing costs a little bit.","start":978.205,"end":983.345,"sentiment":"neutral","sentiment_score":0.20519072860479354},{"text":"On that email, if you can go to the next document, I just wanna quickly touch on your insurances for a moment.","start":983.725,"end":990.93005,"sentiment":"neutral","sentiment_score":0.1205343096093698},{"text":"It's a green yeah.","start":991.67004,"end":993.51,"sentiment":"neutral","sentiment_score":0.037081469781696796},{"text":"It's a green Tau Certificate of Currency.","start":993.51,"end":996.33,"sentiment":"neutral","sentiment_score":0.0511380492576531}],"sentiment":"neutral","sentiment_score":0.13546691241639633,"num_words":54,"start":976.605,"end":996.33},{"sentences":[{"text":"So BT For Life was the insurer.","start":998.23004,"end":1001.93,"sentiment":"neutral","sentiment_score":0.04711731230573995},{"text":"That's now been kind of bought out by Tal, which is one of the sort of big five anyway.","start":1002.225,"end":1006.245,"sentiment":"neutral","sentiment_score":0.03309433819039872},{"text":"So they're the ones that are looking after the policy at the moment.","start":1006.945,"end":1009.845,"sentiment":"neutral","sentiment_score":0.03690389257210951},{"text":"Now if you go down, the premiums was set to 630 sorry.","start":1011.425,"end":1015.665,"sentiment":"neutral","sentiment_score":-0.07142790748427312},{"text":"Not premiums.","start":1015.665,"end":1016.25,"sentiment":"neutral","sentiment_score":-0.15151433646678925}],"sentiment":"neutral","sentiment_score":0.00524906891415704,"num_words":53,"start":998.23004,"end":1016.25},{"sentences":[{"text":"The cover amount, 636,000, was there to cover the mortgage for life and disability.","start":1017.29,"end":1026.27,"sentiment":"neutral","sentiment_score":-0.04425156196313245},{"text":"So if you can never work again, pass away, here's the debt cleared out so it doesn't pass pass on to your daughter who you have as beneficiary.","start":1026.41,"end":1033.685,"sentiment":"neutral","sentiment_score":-0.08161662899822529},{"text":"So the question is because the premiums have jumped up again, when you hit the late fifties, they go up quite quickly.","start":1034.305,"end":1041.285,"sentiment":"neutral","sentiment_score":-0.060902254317294464},{"text":"So we're looking at 6,900 at the moment per year coming out of the super.","start":1041.5851,"end":1047.3,"sentiment":"neutral","sentiment_score":0.08663466771443686},{"text":"15% rebate drops it to about $6, but it's still a pretty hefty chunk compared to your contributions.","start":1049.04,"end":1054.42,"sentiment":"neutral","sentiment_score":0.029399144566721387}],"sentiment":"neutral","sentiment_score":-0.024906520170073228,"num_words":97,"start":1017.29,"end":1054.42},{"sentences":[{"text":"So what I'm sort of thinking is if you've paid off 50 on the mortgage, I can look at just a little bit of a trim down from $6.36 to maybe $5.50 if you're comfortable just to kind of keep a lid on that a little bit.","start":1058.205,"end":1071.2999,"sentiment":"neutral","sentiment_score":0.13492181088696134},{"text":"You think that would be a good idea to do?","start":1080.72,"end":1082.3999,"sentiment":"neutral","sentiment_score":0.2945189505815506},{"text":"Just sort of get the cost down?","start":1082.3999,"end":1085.415,"sentiment":"neutral","sentiment_score":0.059029869203056605},{"text":"Cool.","start":1085.415,"end":1085.895,"sentiment":"neutral","sentiment_score":0.32684385776519775},{"text":"So I'll do the usual research check where I see if there's any other providers that are offering a better deal, but I know TEL's actually got one of the best pricings at the moment.","start":1085.895,"end":1097.9299,"sentiment":"neutral","sentiment_score":0.2081901999456542}],"sentiment":"neutral","sentiment_score":0.1731322455778718,"num_words":100,"start":1058.205,"end":1097.9299},{"sentences":[{"text":"I'll do the research just to double check, but I don't wanna send you through a full application process to change insurers if it's not gonna be any benefit to you.","start":1098.3099,"end":1106.79,"sentiment":"neutral","sentiment_score":-0.04786825853009378},{"text":"But at the very least, we'll do an alteration and reduce that a little bit.","start":1106.79,"end":1112.235,"sentiment":"neutral","sentiment_score":0.02311563342809677},{"text":"Cool.","start":1112.235,"end":1112.735,"sentiment":"neutral","sentiment_score":0.2266747355461121},{"text":"There's no income protection or trauma insurance on there, but I'm assuming you just wanna focus on the mortgage and the the life of the yeah.","start":1113.275,"end":1121.135,"sentiment":"neutral","sentiment_score":0.015357662708713459},{"text":"Gotcha.","start":1122.5549,"end":1122.715,"sentiment":"neutral","sentiment_score":0.08998173475265503}],"sentiment":"neutral","sentiment_score":-0.0056922407065694396,"num_words":74,"start":1098.3099,"end":1122.715},{"sentences":[{"text":"Got Gotcha.","start":1122.715,"end":1123.36,"sentiment":"neutral","sentiment_score":0.08568347245454788},{"text":"Okay.","start":1123.36,"end":1123.86,"sentiment":"neutral","sentiment_score":0.1843271851539612},{"text":"So that gives me a really good idea of what to do with the super and the insurances.","start":1124.1599,"end":1127.44,"sentiment":"positive","sentiment_score":0.3437493857410219},{"text":"A bit of a trim down, reduce the risk a little bit.","start":1127.44,"end":1130.0,"sentiment":"neutral","sentiment_score":0.18216069725652537},{"text":"We'll revisit that extra strategy when you turn 60.","start":1130.0,"end":1132.82,"sentiment":"neutral","sentiment_score":0.22963660624292162}],"sentiment":"neutral","sentiment_score":0.2570438308730012,"num_words":42,"start":1122.715,"end":1132.82},{"sentences":[{"text":"We'll do a bit of preplanning at the next review because we can kind of run through the figures with you before that birthday.","start":1133.0399,"end":1139.535,"sentiment":"neutral","sentiment_score":0.18004440733542046},{"text":"Yeah.","start":1149.515,"end":1149.87,"sentiment":"neutral","sentiment_score":0.2190718650817871},{"text":"Yeah.","start":1149.95,"end":1150.11,"sentiment":"neutral","sentiment_score":0.2914399206638336},{"text":"Like, if we can still get you to the goal with a little bit less risk, I think that's kind of the best of both worlds.","start":1150.11,"end":1155.71,"sentiment":"positive","sentiment_score":0.4746507979356326},{"text":"Like, we're not we're not trying to get you a million dollars.","start":1155.71,"end":1157.97,"sentiment":"neutral","sentiment_score":0.06463417907555898}],"sentiment":"neutral","sentiment_score":0.28043919464107603,"num_words":64,"start":1133.0399,"end":1157.97},{"sentences":[{"text":"We're only trying to get an extra couple of $100 to make sure it's it's safe.","start":1158.03,"end":1161.87,"sentiment":"neutral","sentiment_score":0.17868705512955785},{"text":"And if I can do that with less risk, why not?","start":1161.87,"end":1168.185,"sentiment":"neutral","sentiment_score":0.0915211212228645},{"text":"So I'll put together a bit of a plan.","start":1168.185,"end":1170.605,"sentiment":"negative","sentiment_score":-0.35353423323896194},{"text":"Oh, sorry, mate.","start":1170.985,"end":1171.545,"sentiment":"neutral","sentiment_score":-0.19549357891082764},{"text":"I didn't mean to interrupt you there.","start":1171.545,"end":1173.165,"sentiment":"neutral","sentiment_score":-0.2065371104649135}],"sentiment":"neutral","sentiment_score":-0.029311378122023914,"num_words":46,"start":1158.03,"end":1173.165},{"sentences":[{"text":"Yeah.","start":1181.52,"end":1181.84,"sentiment":"neutral","sentiment_score":0.10560359060764311},{"text":"I mean, in terms of putting in contributions, can do or trying to get as much returns as possible.","start":1181.84,"end":1187.3,"sentiment":"neutral","sentiment_score":0.19813303610211924},{"text":"I'm just conscious of time frames.","start":1187.76,"end":1189.8049,"sentiment":"neutral","sentiment_score":0.17219006766875586},{"text":"And I'm thinking that the safest thing for you is if we get you to the goal with a bit less risk and the mortgage paid down and keep a lid on the cost, you're gonna get there without having to worry about, oh, I've gotta work another three years.","start":1192.265,"end":1204.62,"sentiment":"positive","sentiment_score":0.345142677128315},{"text":"Just because if I know, you know, what's current currently going on in the world, could explode very, very quickly.","start":1208.6,"end":1214.2999,"sentiment":"neutral","sentiment_score":-0.2346881005913019}],"sentiment":"neutral","sentiment_score":0.18194420340781411,"num_words":96,"start":1181.52,"end":1214.2999},{"sentences":[{"text":"And I guess the worst case scenario is if do you remember sort of GFC that happened in 2009?","start":1214.6799,"end":1220.9349,"sentiment":"neutral","sentiment_score":-0.25374459906628255},{"text":"So that was, like, eighteen months it took for the market to get to the bottom.","start":1222.5149,"end":1226.615,"sentiment":"neutral","sentiment_score":-0.2914708210155368},{"text":"It was just a straight year and a half of everything crashing down, about 60%.","start":1226.995,"end":1231.41,"sentiment":"negative","sentiment_score":-0.3893126904964447},{"text":"It took five years for it to get back up.","start":1231.71,"end":1233.97,"sentiment":"negative","sentiment_score":-0.3624684035778046},{"text":"That's why we kind of say ten years is a good time frame.","start":1236.27,"end":1239.09,"sentiment":"neutral","sentiment_score":-0.04812659380527643}],"sentiment":"neutral","sentiment_score":-0.26814658398905844,"num_words":73,"start":1214.6799,"end":1239.09},{"sentences":[{"text":"What's looking more volatile at the moment, and what that really means is that more news articles you see with crazy things happening, the market goes higher and lower quicker rather than that slow and steady growth.","start":1251.115,"end":1263.52,"sentiment":"negative","sentiment_score":-0.3342033290379756},{"text":"That can sometimes break, and then you have a crash.","start":1264.22,"end":1267.2,"sentiment":"negative","sentiment_score":-0.44678308367729186},{"text":"And I don't wanna call you next year and say, hey.","start":1270.22,"end":1272.2999,"sentiment":"negative","sentiment_score":-0.3628866130655462},{"text":"You're you're now sitting at a $190,000, and we've got to build it back up from there.","start":1272.2999,"end":1277.515,"sentiment":"neutral","sentiment_score":-0.13269684734918616},{"text":"Yep.","start":1279.735,"end":1280.235,"sentiment":"neutral","sentiment_score":0.1213388293981552}],"sentiment":"neutral","sentiment_score":-0.30210018855838205,"num_words":76,"start":1251.115,"end":1280.235},{"sentences":[{"text":"So insurances, the super there.","start":1282.295,"end":1286.3151,"sentiment":"neutral","sentiment_score":0.08061639815568925},{"text":"And just in terms of the estate planning side of things, you do have both on the super and the towel policy, Amber listed as the beneficiary.","start":1287.095,"end":1295.57,"sentiment":"neutral","sentiment_score":0.11073519427467275},{"text":"Is that still okay?","start":1295.63,"end":1296.7699,"sentiment":"neutral","sentiment_score":0.12458621896803379},{"text":"Cool.","start":1298.59,"end":1299.09,"sentiment":"neutral","sentiment_score":0.2896409332752228},{"text":"Did you manage to get a will put in place?","start":1299.39,"end":1304.9249,"sentiment":"neutral","sentiment_score":0.07921091439202428}],"sentiment":"neutral","sentiment_score":0.10580908913323854,"num_words":47,"start":1282.295,"end":1304.9249},{"sentences":[{"text":"Cool.","start":1304.9249,"end":1305.325,"sentiment":"neutral","sentiment_score":0.14581258594989777},{"text":"Alright.","start":1305.325,"end":1305.645,"sentiment":"neutral","sentiment_score":0.15149104595184326},{"text":"I'll just include the usual reminders for the the will and the power of attorney, but I'll leave the beneficiaries as they are.","start":1305.645,"end":1312.065,"sentiment":"neutral","sentiment_score":0.14944547900687094},{"text":"Beautiful.","start":1313.965,"end":1314.465,"sentiment":"positive","sentiment_score":0.5686028003692627},{"text":"Outside of that, is there anything else that you're sort of focusing on in the next couple of years besides the mortgage?","start":1314.97,"end":1321.23,"sentiment":"neutral","sentiment_score":0.12567739104005424}],"sentiment":"neutral","sentiment_score":0.14725114692312977,"num_words":48,"start":1304.9249,"end":1321.23},{"sentences":[{"text":"Yeah.","start":1329.7699,"end":1330.2699,"sentiment":"neutral","sentiment_score":0.08482581377029419},{"text":"Be nice to not have that hanging around.","start":1330.565,"end":1332.505,"sentiment":"neutral","sentiment_score":-0.16772230435162783},{"text":"Yep.","start":1364.895,"end":1365.135,"sentiment":"neutral","sentiment_score":0.014506181702017784},{"text":"Yep.","start":1365.135,"end":1365.635,"sentiment":"neutral","sentiment_score":0.02028943970799446},{"text":"Cool.","start":1372.7351,"end":1373.1,"sentiment":"neutral","sentiment_score":0.1404372602701187}],"sentiment":"neutral","sentiment_score":-0.09014331161354978,"num_words":12,"start":1329.7699,"end":1373.1},{"sentences":[{"text":"Yep.","start":1390.795,"end":1391.295,"sentiment":"neutral","sentiment_score":0.027343174442648888},{"text":"Yeah.","start":1410.41,"end":1410.65,"sentiment":"positive","sentiment_score":0.4387156367301941},{"text":"So if you're putting that extra couple of grand in there, you should pretty much be able to clear at least that $1.50 well and truly before age 65.","start":1410.65,"end":1420.195,"sentiment":"positive","sentiment_score":0.5728023987391899},{"text":"Cool.","start":1425.695,"end":1426.0149,"sentiment":"positive","sentiment_score":0.6826959848403931},{"text":"Okay.","start":1426.0149,"end":1426.5149,"sentiment":"positive","sentiment_score":0.5981040000915527}],"sentiment":"positive","sentiment_score":0.5563069199860999,"num_words":33,"start":1390.795,"end":1426.5149},{"sentences":[{"text":"I've got that noted down, and that's cool.","start":1427.3601,"end":1429.04,"sentiment":"positive","sentiment_score":0.6531534269452095},{"text":"So that one's actually been built and and moved in and everything, so I'll put that as a goal achieved.","start":1429.04,"end":1433.9401,"sentiment":"positive","sentiment_score":0.736544618010521},{"text":"So fantastic.","start":1434.2401,"end":1435.2201,"sentiment":"positive","sentiment_score":0.6530921459197998},{"text":"I will raise one quick little thing with you, and I don't mean to be negative about it at all, but we do talk to lawyers quite often about estate planning, especially given the the current economic situation.","start":1436.88,"end":1451.395,"sentiment":"neutral","sentiment_score":0.24251493243010422},{"text":"A lot of your generation is helping children get into the market, dual living, that kind of thing.","start":1451.775,"end":1457.33,"sentiment":"neutral","sentiment_score":0.27247479889127946}],"sentiment":"positive","sentiment_score":0.41142346372091493,"num_words":86,"start":1427.3601,"end":1457.33},{"sentences":[{"text":"And they're reminded to us as just a flag with clients to make sure you've got, like, financial agreements in place or something in writing so that it makes sense where it's going to.","start":1457.5499,"end":1467.5499,"sentiment":"neutral","sentiment_score":0.1960708163678646},{"text":"Obviously, I know you trust your daughter.","start":1467.5499,"end":1469.07,"sentiment":"neutral","sentiment_score":0.16503830466951644},{"text":"You list her as your beneficiary, but I just wanted to flag that as a you know, it's part of the estate planning side of things or down the line as well.","start":1469.07,"end":1478.655,"sentiment":"neutral","sentiment_score":0.1928049665875733},{"text":"So some people do a thing where they'll have an agreement for the the children to pay off the main home, and then they can actually sort of pay to to buy it kind of thing, and that's essentially their inheritance.","start":1481.0349,"end":1492.19,"sentiment":"neutral","sentiment_score":0.1034749303830833},{"text":"So I know some people where they've got one set of children that are helping, another set of children who are off, and they go as part of your inheritance, you're gonna buy me out this part of the property, and then you're covered here.","start":1492.8099,"end":1504.875,"sentiment":"neutral","sentiment_score":0.10175069189733929}],"sentiment":"neutral","sentiment_score":0.1434760257929751,"num_words":159,"start":1457.5499,"end":1504.875},{"sentences":[{"text":"And then for the other children, I'm gonna set aside this.","start":1504.875,"end":1507.535,"sentiment":"neutral","sentiment_score":0.07623257284814661},{"text":"Just making it a bit more concrete on paper.","start":1507.595,"end":1510.015,"sentiment":"neutral","sentiment_score":0.012794547610812716},{"text":"Not sure if you've got other children floating around or any anyone that could pop out of the woodworks.","start":1512.155,"end":1516.99,"sentiment":"neutral","sentiment_score":-0.2018793438022074},{"text":"Cool.","start":1526.8099,"end":1527.21,"sentiment":"positive","sentiment_score":0.38814228773117065},{"text":"Yeah.","start":1527.21,"end":1527.45,"sentiment":"neutral","sentiment_score":0.1188579574227333}],"sentiment":"neutral","sentiment_score":-0.0579267818844173,"num_words":41,"start":1504.875,"end":1527.45},{"sentences":[{"text":"I just thought I'd flag it just in case.","start":1527.45,"end":1529.265,"sentiment":"neutral","sentiment_score":0.024744688843687374},{"text":"It would be sort of remiss for me not to at least mention the idea of putting things on paper.","start":1529.8251,"end":1534.405,"sentiment":"neutral","sentiment_score":-0.1200750377960503},{"text":"I've seen some funny things.","start":1540.305,"end":1541.765,"sentiment":"neutral","sentiment_score":0.0028971792518859727},{"text":"I have seen some funny things.","start":1541.8251,"end":1543.23,"sentiment":"neutral","sentiment_score":0.02206210729976495},{"text":"And were you still thinking of one day getting the the old RV as well?","start":1544.6699,"end":1549.09,"sentiment":"neutral","sentiment_score":0.027028608446319897}],"sentiment":"neutral","sentiment_score":-0.029572925265000032,"num_words":55,"start":1527.45,"end":1549.09},{"sentences":[{"text":"So any idea how much they cost these days?","start":1553.47,"end":1555.47,"sentiment":"neutral","sentiment_score":0.023380572390225198},{"text":"Have you sort of looked into it yet, or is that a bit further down the line?","start":1555.47,"end":1559.155,"sentiment":"neutral","sentiment_score":0.0067930277984808475},{"text":"Yep.","start":1570.975,"end":1571.475,"sentiment":"neutral","sentiment_score":0.08235849440097809},{"text":"80 to $1.50.","start":1571.695,"end":1572.995,"sentiment":"neutral","sentiment_score":0.07781204084555308},{"text":"I'll just note it down there so I can kind of track that as part of the the retirement goals with you because there's the mortgage, there's the income, there's the RV, and I wanna try and make sure that you can sort of achieve all three.","start":1573.02,"end":1583.68,"sentiment":"neutral","sentiment_score":0.15011902882697734}],"sentiment":"neutral","sentiment_score":0.09996487786872434,"num_words":77,"start":1553.47,"end":1583.68},{"sentences":[{"text":"Oh, fantastic.","start":1593.875,"end":1594.615,"sentiment":"positive","sentiment_score":0.4518574923276901},{"text":"Oh, exit.","start":1601.87,"end":1616.5901,"sentiment":"neutral","sentiment_score":0.06825840473175049},{"text":"Perfect.","start":1616.5901,"end":1617.0901,"sentiment":"neutral","sentiment_score":0.30019551515579224},{"text":"What do you reckon the the panel van goes for at the moment?","start":1617.335,"end":1620.475,"sentiment":"neutral","sentiment_score":0.07388755048696811},{"text":"Yep.","start":1629.175,"end":1629.675,"sentiment":"neutral","sentiment_score":0.23775315284729004}],"sentiment":"neutral","sentiment_score":0.13361676939223943,"num_words":19,"start":1593.875,"end":1629.675},{"sentences":[{"text":"Awesome.","start":1631.42,"end":1631.9,"sentiment":"positive","sentiment_score":0.4814450144767761},{"text":"60 there, 70 in savings, $1.50 on your portion for the mortgage.","start":1631.9,"end":1636.0,"sentiment":"positive","sentiment_score":0.37320302426815033},{"text":"That's looking pretty good.","start":1636.3,"end":1637.76,"sentiment":"positive","sentiment_score":0.5997775346040726},{"text":"Any other loans or assets that I can add down?","start":1638.46,"end":1642.24,"sentiment":"neutral","sentiment_score":0.11461870223283768},{"text":"Perfect.","start":1647.085,"end":1647.585,"sentiment":"positive","sentiment_score":0.6803854703903198}],"sentiment":"neutral","sentiment_score":0.32805585488677025,"num_words":28,"start":1631.42,"end":1647.585},{"sentences":[{"text":"Couple other detail.","start":1648.5249,"end":1649.745,"sentiment":"neutral","sentiment_score":0.19345847268899283},{"text":"You borrow off yourself in terms of, like, dip out a bit of savings and then make sure you put it back.","start":1651.325,"end":1655.9049,"sentiment":"neutral","sentiment_score":0.05815336920998313},{"text":"Alright.","start":1657.725,"end":1658.07,"sentiment":"positive","sentiment_score":0.34021180868148804},{"text":"Cool.","start":1658.1499,"end":1658.6499,"sentiment":"positive","sentiment_score":0.47923892736434937},{"text":"I've got the 400 and the $1.50 added in there as well just as a bit of a further breakdown.","start":1659.83,"end":1664.1699,"sentiment":"neutral","sentiment_score":0.20163436159491538}],"sentiment":"neutral","sentiment_score":0.14280611720490963,"num_words":47,"start":1648.5249,"end":1664.1699},{"sentences":[{"text":"Home value, I think we had 1.5 on there.","start":1664.71,"end":1667.4299,"sentiment":"neutral","sentiment_score":0.06288846333821614},{"text":"Now that you've done the granny site, do you have an idea of what it may may look like?","start":1667.4299,"end":1671.135,"sentiment":"neutral","sentiment_score":0.04570793870248293},{"text":"Uh-huh.","start":1671.135,"end":1671.635,"sentiment":"neutral","sentiment_score":-0.003827336011454463},{"text":"Yeah.","start":1680.575,"end":1681.075,"sentiment":"neutral","sentiment_score":0.047445207834243774},{"text":"Awesome.","start":1682.975,"end":1683.475,"sentiment":"positive","sentiment_score":0.4950143992900848}],"sentiment":"neutral","sentiment_score":0.06364771859690306,"num_words":31,"start":1664.71,"end":1683.475},{"sentences":[{"text":"And just quickly, so you mentioned before that your income bumped up maybe a bit above a $100.","start":1683.535,"end":1690.0599,"sentiment":"neutral","sentiment_score":0.12626083484954304},{"text":"Do you know where you landed for the the tax year just gone by?","start":1690.0599,"end":1694.16,"sentiment":"neutral","sentiment_score":0.039566186123660634},{"text":"Cool.","start":1702.715,"end":1702.955,"sentiment":"neutral","sentiment_score":0.2568740248680115},{"text":"I'll go off one ten for the projections update for you just so I can sort of factor in the contributions from work in there and show you kind of what that looks like.","start":1702.955,"end":1711.615,"sentiment":"neutral","sentiment_score":0.13709668157731786},{"text":"And just in terms of the occupation, are you still with Alex Logistics?","start":1714.71,"end":1719.69,"sentiment":"neutral","sentiment_score":0.008581268529479321}],"sentiment":"neutral","sentiment_score":0.09820424153003841,"num_words":80,"start":1683.535,"end":1719.69},{"sentences":[{"text":"Veolia, the the old gas company.","start":1724.39,"end":1728.025,"sentiment":"neutral","sentiment_score":-0.03928002901375294},{"text":"Waste company.","start":1731.765,"end":1732.485,"sentiment":"neutral","sentiment_score":-0.04100869223475456},{"text":"That's it.","start":1732.485,"end":1733.2251,"sentiment":"neutral","sentiment_score":-0.03470644820481539},{"text":"Water and waste, the big bins.","start":1733.6051,"end":1735.2251,"sentiment":"neutral","sentiment_score":-0.011037521219501892},{"text":"Sweet.","start":1737.4451,"end":1737.685,"sentiment":"neutral","sentiment_score":0.0739721953868866}],"sentiment":"neutral","sentiment_score":-0.022315493346575427,"num_words":17,"start":1724.39,"end":1737.685},{"sentences":[{"text":"And are you what are you doing with them at the moment?","start":1737.685,"end":1740.0801,"sentiment":"neutral","sentiment_score":0.02305184133971731},{"text":"I just wanna add in just an occupation Fantastic.","start":1740.0801,"end":1753.505,"sentiment":"neutral","sentiment_score":0.0545896255514688},{"text":"Is that fully office space, or would you have to just sort of go out sites, vehicles, travel to locations?","start":1753.505,"end":1764.005,"sentiment":"neutral","sentiment_score":0.06745991846546531},{"text":"Perfect.","start":1766.0651,"end":1766.545,"sentiment":"positive","sentiment_score":0.38935720920562744},{"text":"Thank you so much for that, Steven.","start":1766.545,"end":1768.43,"sentiment":"positive","sentiment_score":0.578139202935355}],"sentiment":"neutral","sentiment_score":0.13374405561433156,"num_words":49,"start":1737.685,"end":1768.43},{"sentences":[{"text":"Appreciate that.","start":1768.43,"end":1769.41,"sentiment":"positive","sentiment_score":0.5735098421573639},{"text":"I think I have everything up to date so far.","start":1770.51,"end":1773.09,"sentiment":"neutral","sentiment_score":0.3074970006942749},{"text":"Any questions for me so far based on what we talked about?","start":1773.23,"end":1775.81,"sentiment":"neutral","sentiment_score":0.1146227487673362},{"text":"Yeah.","start":1792.285,"end":1792.605,"sentiment":"neutral","sentiment_score":0.16950839757919312},{"text":"Yep.","start":1792.605,"end":1793.105,"sentiment":"neutral","sentiment_score":0.14702650904655457}],"sentiment":"neutral","sentiment_score":0.22746144550350997,"num_words":26,"start":1768.43,"end":1793.105},{"sentences":[{"text":"So what will basically happen from here, just as a bit of a heads up, is I'm sending this to my team now to do that research on the risk reduction and the insurance reduction.","start":1793.39,"end":1803.4901,"sentiment":"neutral","sentiment_score":0.05618264472910336},{"text":"They're basically gonna put that research into an updated document, new projections together, and I will be away next week.","start":1804.1901,"end":1810.865,"sentiment":"neutral","sentiment_score":0.036985470540821554},{"text":"But when I get back, I'll get them to sort of book you in, and we can run through the figures together.","start":1810.865,"end":1815.285,"sentiment":"neutral","sentiment_score":0.07518180408938364},{"text":"Make sure you're happy with the plan.","start":1815.425,"end":1817.045,"sentiment":"neutral","sentiment_score":0.24008201701300486},{"text":"If you give me the thumbs up, we can launch in and make the switches.","start":1817.185,"end":1820.485,"sentiment":"neutral","sentiment_score":0.164744566877683}],"sentiment":"neutral","sentiment_score":0.08597822513694715,"num_words":99,"start":1793.39,"end":1820.485},{"sentences":[{"text":"Cool.","start":1823.265,"end":1823.64,"sentiment":"neutral","sentiment_score":0.21279114484786987},{"text":"Outside of that, the only two remaining documents in that email for the review today is the Oakview services guide.","start":1824.2001,"end":1830.7001,"sentiment":"neutral","sentiment_score":0.08444516435265541},{"text":"That's your updated, like, licensing information, privacy policy, and so on.","start":1831.3201,"end":1835.74,"sentiment":"neutral","sentiment_score":0.0568304563110525},{"text":"A bit more story about the company.","start":1836.12,"end":1837.755,"sentiment":"neutral","sentiment_score":0.03532266430556774},{"text":"And the last one is just the consent and service agreement.","start":1838.135,"end":1841.835,"sentiment":"neutral","sentiment_score":0.03264464387162165}],"sentiment":"neutral","sentiment_score":0.06266358368098736,"num_words":50,"start":1823.265,"end":1841.835},{"sentences":[{"text":"So in order for us to remain your advisers, we do need your yearly consent, and the the fees haven't changed from last year.","start":1841.975,"end":1850.0549,"sentiment":"neutral","sentiment_score":0.02950949881536265},{"text":"They're still 1.65% spread through the year and the monthlies.","start":1850.0549,"end":1853.86,"sentiment":"neutral","sentiment_score":0.025127542577683924},{"text":"There is a discussion we've had with Sevvy and Bart to look at a bit of a tiered fee structure.","start":1854.72,"end":1860.4199,"sentiment":"neutral","sentiment_score":0.034757794719189404},{"text":"So from next year onwards, we're gonna start providing discounts for clients above 200,000.","start":1860.96,"end":1868.1051,"sentiment":"neutral","sentiment_score":0.0665544428463493},{"text":"Cool.","start":1870.005,"end":1870.4851,"sentiment":"neutral","sentiment_score":0.17187482118606567}],"sentiment":"neutral","sentiment_score":0.03997530888064184,"num_words":69,"start":1841.975,"end":1870.4851},{"sentences":[{"text":"So this one will be the same, but the next review we do, when I talk about that transition to retirement strategy for 60 and beyond, that should all be in place by then as well.","start":1870.4851,"end":1880.51,"sentiment":"neutral","sentiment_score":0.13060671194559997},{"text":"Cool.","start":1883.21,"end":1883.71,"sentiment":"positive","sentiment_score":0.3954563736915589},{"text":"Alright, Steven.","start":1884.09,"end":1884.97,"sentiment":"positive","sentiment_score":0.35085172951221466},{"text":"Mate, that's everything from me so far.","start":1884.97,"end":1886.8099,"sentiment":"positive","sentiment_score":0.4041655531951359},{"text":"I do appreciate the time.","start":1886.8099,"end":1888.27,"sentiment":"positive","sentiment_score":0.532682728767395}],"sentiment":"neutral","sentiment_score":0.22140341135216693,"num_words":51,"start":1870.4851,"end":1888.27},{"sentences":[{"text":"Anything else I can help with in Yeah.","start":1889.77,"end":1899.1749,"sentiment":"neutral","sentiment_score":0.13568844739347696},{"text":"So you know how we were going through the documents before and skipping across them?","start":1899.1749,"end":1903.1749,"sentiment":"neutral","sentiment_score":0.0671955905854702},{"text":"When you hit click to start, it'll actually bring you to the signing spots to stamp on, like, name, signature, and date, and then should be good to from there.","start":1903.1749,"end":1912.2,"sentiment":"neutral","sentiment_score":0.17559806437542042},{"text":"Once you're done, there'll be a validate button, which may take a a few moments to load the circle, and then it'll ask you to download a copy signed copy for your records.","start":1912.5,"end":1922.295,"sentiment":"neutral","sentiment_score":0.16873953039899017},{"text":"Beauty.","start":1924.935,"end":1925.415,"sentiment":"positive","sentiment_score":0.5149672031402588}],"sentiment":"neutral","sentiment_score":0.1545374146609128,"num_words":87,"start":1889.77,"end":1925.415},{"sentences":[{"text":"So just give that a go for me, see if there's any troubles with it.","start":1925.415,"end":1928.795,"sentiment":"neutral","sentiment_score":0.22800756692886354},{"text":"I believe it might be your first time using this system, so I'll just be there to troubleshoot.","start":1928.8551,"end":1933.3551,"sentiment":"neutral","sentiment_score":0.13517980153361955},{"text":"That's alright.","start":1949.75,"end":1950.5549,"sentiment":"neutral","sentiment_score":0.14488480985164642},{"text":"I can I can leave that one with you if you wanna switch devices?","start":1950.5549,"end":1953.375,"sentiment":"neutral","sentiment_score":0.10688779396670205},{"text":"But if you have any trouble, just give us a call.","start":1954.235,"end":1957.2949,"sentiment":"neutral","sentiment_score":0.02402074270966378}],"sentiment":"neutral","sentiment_score":0.13172961394302546,"num_words":60,"start":1925.415,"end":1957.2949},{"sentences":[{"text":"Alright.","start":1957.835,"end":1958.235,"sentiment":"neutral","sentiment_score":0.08367397636175156},{"text":"Good.","start":1958.235,"end":1958.735,"sentiment":"neutral","sentiment_score":0.30938681960105896},{"text":"Yeah.","start":1990.99,"end":1991.49,"sentiment":"neutral","sentiment_score":0.09961394965648653},{"text":"Sometimes I've heard it take five seconds.","start":1991.63,"end":1993.79,"sentiment":"neutral","sentiment_score":0.007595650585634368},{"text":"Sometimes it's taking a good minute minute ten.","start":1993.79,"end":1996.21,"sentiment":"neutral","sentiment_score":0.04437391669489443}],"sentiment":"neutral","sentiment_score":0.05004642407099406,"num_words":18,"start":1957.835,"end":1996.21},{"sentences":[{"text":"Oh, that's actually come through signed already, so thank you for doing that.","start":1997.47,"end":2000.85,"sentiment":"positive","sentiment_score":0.5264942737726065},{"text":"It's come through to me fine.","start":2001.255,"end":2002.795,"sentiment":"neutral","sentiment_score":0.15383005638917288},{"text":"Alrighty.","start":2005.415,"end":2005.915,"sentiment":"neutral","sentiment_score":0.3026999533176422},{"text":"Mate, if there's nothing else, I will send this off to the team.","start":2006.375,"end":2010.635,"sentiment":"neutral","sentiment_score":0.18227180036214682},{"text":"Are you all good for, like, login access and everything to your Netwealth, or you just prefer getting the reports from us?","start":2011.415,"end":2016.96,"sentiment":"neutral","sentiment_score":0.233761727809906}],"sentiment":"neutral","sentiment_score":0.28331631394949824,"num_words":55,"start":1997.47,"end":2016.96},{"sentences":[{"text":"Is there anything else I can sort out?","start":2017.0399,"end":2020.6599,"sentiment":"neutral","sentiment_score":0.022243682760745287},{"text":"Cool.","start":2022.24,"end":2022.74,"sentiment":"neutral","sentiment_score":0.3014490008354187},{"text":"Alright.","start":2022.7999,"end":2023.2999,"sentiment":"neutral","sentiment_score":0.2713592052459717},{"text":"Yep.","start":2031.44,"end":2031.765,"sentiment":"neutral","sentiment_score":0.14926815032958984},{"text":"The only other two things I was gonna quickly ask and then let you go is did you want me to set up a security question, or are you still happy to go through date of birth address with us?","start":2035.205,"end":2044.44,"sentiment":"neutral","sentiment_score":0.010266420757398009}],"sentiment":"neutral","sentiment_score":0.025699659780252213,"num_words":51,"start":2017.0399,"end":2044.44},{"sentences":[{"text":"Us?","start":2046.12,"end":2046.62,"sentiment":"neutral","sentiment_score":-0.20451781153678897},{"text":"Cool.","start":2047.3999,"end":2047.8999,"sentiment":"neutral","sentiment_score":-0.00659839017316699},{"text":"And just for review frequency, did you want me to pencil in some more frequent catch ups, quarterly, six monthly, or just wait for the annual reviews?","start":2047.96,"end":2055.5798,"sentiment":"neutral","sentiment_score":0.05748173422007649},{"text":"Yeah.","start":2065.655,"end":2066.135,"sentiment":"neutral","sentiment_score":0.10607580840587616},{"text":"Yep.","start":2066.135,"end":2066.635,"sentiment":"neutral","sentiment_score":0.11811187863349916}],"sentiment":"neutral","sentiment_score":0.050486397073273695,"num_words":31,"start":2046.12,"end":2066.635},{"sentences":[{"text":"Reach out if there's anything crazy going on.","start":2066.7751,"end":2068.875,"sentiment":"neutral","sentiment_score":0.09686248563230038},{"text":"Awesome, Steven, mate.","start":2072.28,"end":2073.4001,"sentiment":"positive","sentiment_score":0.7808713912963867},{"text":"Really appreciate your time today.","start":2073.4001,"end":2074.6,"sentiment":"positive","sentiment_score":0.8469197869300842},{"text":"It's been a pleasure, and I'll probably send you the usual feedback message as well, which would be appreciated.","start":2074.6,"end":2081.6602,"sentiment":"positive","sentiment_score":0.7204452596212688},{"text":"But if nothing else, I will see you possibly in a fortnight.","start":2082.2002,"end":2086.315,"sentiment":"neutral","sentiment_score":0.15134918006757894}],"sentiment":"positive","sentiment_score":0.4863141082385753,"num_words":47,"start":2066.7751,"end":2086.315},{"sentences":[{"text":"I will.","start":2090.135,"end":2090.615,"sentiment":"positive","sentiment_score":0.6977142989635468},{"text":"Thank you so much, mate.","start":2090.615,"end":2091.575,"sentiment":"positive","sentiment_score":0.82843496799469},{"text":"See you then.","start":2091.575,"end":2092.395,"sentiment":"positive","sentiment_score":0.644758403301239},{"text":"Bye.","start":2093.815,"end":2094.315,"sentiment":"neutral","sentiment_score":-0.11326686292886734}],"sentiment":"positive","sentiment_score":0.6689647077159449,"num_words":11,"start":2090.135,"end":2094.315}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. Yeah. Not too bad, mate. Yourself? Yeah. Yeah. No. No. It's fun to out, mate. Yes. So sounds out sounds out. Yes. Yeah. Copy that. Third of the fifth nineteen sixty eight. Fourteen Francis Greenway Avenue, Saint Claire two seven five nine, New South Wales. Yep. Yeah. And I'll but I just got a spark on my computer. That's all. No worries. It's just a matter of how we're tracking and everything else. That's all. Maybe I because I put everything into the folder anyway, so I probably got one there. Yeah. Still logged in anything else in it. Yep. Okay. I'll put you here, Tommy. Alright. Hang on for a minute. I'll put that. Let's see. Alright. Do I gotta click on oh, click on. Sorry. Tell me yet. Yep. Alright. Is that purple? Yeah. It looks like black and white, don't Hang on. Yeah. Okay. Alright. So, yeah, I've opened it up. Summary. Superannuation insurance. Yes? Yes. Yep. Yes. Okay. So you want me to go to the third page. Right? Yeah. Alright. Yep. Yeah. Copy that. Right. Yes. Yes. Right. Yes. Yep. Yes. Right. Alright. Yep. Yeah. Right. Yeah. Yeah. Yeah. Right. Okay. Yep. Yep. That's alright. Yeah. As long as you're doing the right thing, mate, it's all good. Yep. Yep. Yeah. No. It's probably still the same, mate. Yeah. I just need to get get it up there, you know, for when I do retire. Yeah. So I can just live comfortable. Yep. Yes. Yeah. Right. Okay. Yeah. No. That's all. That's what come over to you, Blake, anyway, to steer me in the right direction. So to make me decisions. You know what I mean? Alright. No. That's alright. Yeah. I could probably do that. Yeah. A little bit of a about that now. Yeah. Right. Yeah. Yeah. Well, alright. Because I get paid monthly now. Oh, I have been well. What what I have been doing, I've been just smashing out me the home loan anyway. I x-ray payments. Yeah. Yeah. No. That is correct. So I can't remember now. Because I've got well, I've actually got two home loans. One that me daughter's paying off, and that that's around 400,000. And the one that is my main one that I look at, that that was 200,000, but I've got it down to I think it's a 150. So and that's the one I'm just concentrating at the moment on. Yeah. Like like like I said, I've just been putting, you know, a couple of grand in each time every month to get that down. Yeah. Yep. Yeah. I'll I'll try to. Yes. Right. Yep. Right. Right. Alright. Yeah. Right. Yep. Right. Okay. Yeah. Yeah. Yeah. No. No. That's right. Yeah. Because that that that was my main focus anyway to get get rid of my drop down the house repayments and stuff like that. Get rid of H4. Yep. Copy that. Yep. Yep. Alright. Yeah. Yeah. Copy. Yep. Yep. Right. Oh, okay. Well, actually yeah. Yeah. Yeah. That is probably what it'll be now. Yeah. Yeah. Copy that. Yep. Yeah. Oh, okay. Yeah. Yeah. Yeah. Yep. Yeah. Right. I think. So so you reckon it'll be be wise just to knock it down instead of being aggressive, just knock it down a peg? Yep. Yeah. Right. Okay. Yeah. Better off sorry? Yeah. Yeah. I was just gonna say, wouldn't it be best to try and get in as much money as I can or what? Right. Yep. Yeah. Right. Yep. Yeah. Right. Okay. Yeah. Because that was over as well. Alright. So you reckon the market's gonna die down a bit, you reckon? Mhmm. Yep. Yeah. Right. Yeah. Yeah. No. That's right. That is correct. Yes. No. Not at the moment. No. Yep. No. That that's pretty much it, mate. You know? Just I wanna knock that in the heaven away it goes. You know? No. That that's right. No. It's just that I got got my daughter and her family out of renting, and it was so hard for them to get a home loan as well if all it did get into the market. Right? And so what I've done was I extended on the house. And so I'm out in the Granny flat, and they have the house now. And so and that that's why I talk about two two home loans. It's still under my thing, but she's paying the majority of the other one, so which is around 400,000. Might be a little bit less than that, but they they've gotta pay that. Right? And I've got the second one, which is I call it my one anyway. So I've got that it was 200,000, but I've got it down to a 150. And that's the main one that I wanna try and knock in the head. Right? Because they're working everything else. So they're they're still paying off everything then. And that that was my main focus. But, you know, it's oh, I still classify their one as mine anyway. So I'm putting a little bit extra into that to get that down as well. So Oh, well, that's the plan, mate. Yeah. Yes. Yep. Yep. Right. Yep. Right. And what do they mean by that then? Yeah. Oh, okay. Yeah. No. No. No. No. No. It's just just me daughter. I do have a stepson, though, but we've we've already helped him out, and he's happy with what he's got. No. That's fine. No. No. That's right. Yeah. Well yeah. Yeah. You never know who comes out of the woodworker. Right? Yeah. Yeah. Oh, yeah. Yeah. No. That's still on the cards, mate. Yes. Yeah. Oh, no. I'm always looking as well. So anything from 80 up to, I I dare say, yeah, for what I want want $1.50. Yeah. Yeah. Yeah. No. That's right. Well, I it just just in my bank account anyway, just in cash, I've got around 70,000 in there. And I've also got a a classic car with a Hatesford panel van, and that's only going up in value as well. So if anything, I I can always sell that. And with whatever cash I've got as well, that goes towards what I look at. Well, I I brought it for 20, and I could probably sell it for around 60. No. No. No. No loans. The only house loan. That's it. If anything, I borrow off myself. That's right. Exactly. Yeah. No. That's probably what what it would look like now. Yeah. Yeah. All all up, you're probably looking around that one point five, one point six. Well, I haven't looked at the tax side, but it's I think it's one ten. Yeah. I think it's one ten, I think. Yep. No. No. Veolia. Yep. Yeah. No. It's a waste waste company. Water. Yeah. That's right. Yeah. I'm a so the lead trainer for New South Wales. No. I travel around to the different device. No. No. Just just yeah. You've been pretty straightforward, and it's a matter of just supplying me with the right information to get lead forward. That's all. Yep. Five. Okay. Yep. Alright. Eight. Oh, okay. Yep. Yeah. Right. Okay. Sweet. Oh, that's fine. So I start yeah. And so I just start press click to start and that should you should get me signature. Right? Yes. Oh, okay. Yeah. Yeah. Yeah. Right. Okay. I might have to spark up the other computer. Alright. Now here here it is. No. No. All good. Now hang on for a minute. Yeah. Sign all. Done. So date. Validate the site. Completed. Yeah. Yeah. It's just loading. Here we go. Yeah. Right. There it is. Yeah. Yeah. Yep. Yeah. No. No. I I I do log in. So I've got no no problems there. I'll check it. Yeah. Well, not regularly, but every now and then. So yeah. All all good stuff, Yeah. That's no. That's fine. Yeah. No. Just yeah. Just stick with the annual reviews. But if anything does pop up, you gotta feel free to reach out. That's all. Yeah. No. Exactly. Exactly. Yes. Not a problem, mate. Well, you have a nice holiday. Cheers, mate. 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Yeah. Yeah. Not too bad, mate. Yourself?\n\nYeah. Yeah. No. No. It's fun to out, mate.\n\nYes. So sounds out sounds out. Yes. Yeah. Copy that.\n\nThird of the fifth nineteen sixty eight. Fourteen Francis Greenway Avenue, Saint Claire two seven five nine, New South Wales. Yep. Yeah. And I'll but I just got a spark on my computer.\n\nThat's all. No worries. It's just a matter of how we're tracking and everything else. That's all. Maybe I because I put everything into the folder anyway, so I probably got one there.\n\nYeah. Still logged in anything else in it. Yep. Okay. I'll put you here, Tommy.\n\nAlright. Hang on for a minute. I'll put that. Let's see. Alright.\n\nDo I gotta click on oh, click on. Sorry. Tell me yet. Yep. Alright.\n\nIs that purple? Yeah. It looks like black and white, don't Hang on. Yeah. Okay.\n\nAlright. So, yeah, I've opened it up. Summary. Superannuation insurance. Yes?\n\nYes. Yep. Yes. Okay. So you want me to go to the third page.\n\nRight? Yeah. Alright. Yep. Yeah.\n\nCopy that. Right. Yes. Yes. Right.\n\nYes. Yep. Yes. Right. Alright.\n\nYep. Yeah. Right. Yeah. Yeah.\n\nYeah. Right. Okay. Yep. Yep.\n\nThat's alright. Yeah. As long as you're doing the right thing, mate, it's all good. Yep. Yep.\n\nYeah. No. It's probably still the same, mate. Yeah. I just need to get get it up there, you know, for when I do retire.\n\nYeah. So I can just live comfortable. Yep. Yes. Yeah.\n\nRight. Okay. Yeah. No. That's all.\n\nThat's what come over to you, Blake, anyway, to steer me in the right direction. So to make me decisions. You know what I mean? Alright. No.\n\nThat's alright. Yeah. I could probably do that. Yeah. A little bit of a about that now.\n\nYeah. Right. Yeah. Yeah. Well, alright.\n\nBecause I get paid monthly now. Oh, I have been well. What what I have been doing, I've been just smashing out me the home loan anyway. I x-ray payments. Yeah.\n\nYeah. No. That is correct. So I can't remember now. Because I've got well, I've actually got two home loans.\n\nOne that me daughter's paying off, and that that's around 400,000. And the one that is my main one that I look at, that that was 200,000, but I've got it down to I think it's a 150. So and that's the one I'm just concentrating at the moment on. Yeah. Like like like I said, I've just been putting, you know, a couple of grand in each time every month to get that down.\n\nYeah. Yep. Yeah. I'll I'll try to. Yes.\n\nRight. Yep. Right. Right. Alright.\n\nYeah. Right. Yep. Right. Okay.\n\nYeah. Yeah. Yeah. No. No.\n\nThat's right. Yeah. Because that that that was my main focus anyway to get get rid of my drop down the house repayments and stuff like that. Get rid of H4. Yep.\n\nCopy that. Yep. Yep. Alright. Yeah.\n\nYeah. Copy. Yep. Yep. Right.\n\nOh, okay. Well, actually yeah. Yeah. Yeah. That is probably what it'll be now.\n\nYeah. Yeah. Copy that. Yep. Yeah.\n\nOh, okay. Yeah. Yeah. Yeah. Yep.\n\nYeah. Right. I think. So so you reckon it'll be be wise just to knock it down instead of being aggressive, just knock it down a peg? Yep.\n\nYeah. Right. Okay. Yeah. Better off sorry?\n\nYeah. Yeah. I was just gonna say, wouldn't it be best to try and get in as much money as I can or what? Right. Yep.\n\nYeah. Right. Yep. Yeah. Right.\n\nOkay. Yeah. Because that was over as well. Alright. So you reckon the market's gonna die down a bit, you reckon?\n\nMhmm. Yep. Yeah. Right. Yeah.\n\nYeah. No. That's right. That is correct. Yes.\n\nNo. Not at the moment. No. Yep. No.\n\nThat that's pretty much it, mate. You know? Just I wanna knock that in the heaven away it goes. You know? No.\n\nThat that's right. No. It's just that I got got my daughter and her family out of renting, and it was so hard for them to get a home loan as well if all it did get into the market. Right? And so what I've done was I extended on the house.\n\nAnd so I'm out in the Granny flat, and they have the house now. And so and that that's why I talk about two two home loans. It's still under my thing, but she's paying the majority of the other one, so which is around 400,000. Might be a little bit less than that, but they they've gotta pay that. Right?\n\nAnd I've got the second one, which is I call it my one anyway. So I've got that it was 200,000, but I've got it down to a 150. And that's the main one that I wanna try and knock in the head. Right? Because they're working everything else.\n\nSo they're they're still paying off everything then. And that that was my main focus. But, you know, it's oh, I still classify their one as mine anyway. So I'm putting a little bit extra into that to get that down as well. So Oh, well, that's the plan, mate.\n\nYeah. Yes. Yep. Yep. Right.\n\nYep. Right. And what do they mean by that then? Yeah. Oh, okay.\n\nYeah. No. No. No. No.\n\nNo. It's just just me daughter. I do have a stepson, though, but we've we've already helped him out, and he's happy with what he's got. No. That's fine.\n\nNo. No. That's right. Yeah. Well yeah.\n\nYeah. You never know who comes out of the woodworker. Right? Yeah. Yeah.\n\nOh, yeah. Yeah. No. That's still on the cards, mate. Yes.\n\nYeah. Oh, no. I'm always looking as well. So anything from 80 up to, I I dare say, yeah, for what I want want $1.50. Yeah.\n\nYeah. Yeah. No. That's right. Well, I it just just in my bank account anyway, just in cash, I've got around 70,000 in there.\n\nAnd I've also got a a classic car with a Hatesford panel van, and that's only going up in value as well. So if anything, I I can always sell that. And with whatever cash I've got as well, that goes towards what I look at. Well, I I brought it for 20, and I could probably sell it for around 60. No.\n\nNo. No. No loans. The only house loan. That's it.\n\nIf anything, I borrow off myself. That's right. Exactly. Yeah. No.\n\nThat's probably what what it would look like now. Yeah. Yeah. All all up, you're probably looking around that one point five, one point six. Well, I haven't looked at the tax side, but it's I think it's one ten.\n\nYeah. I think it's one ten, I think. Yep. No. No.\n\nVeolia. Yep. Yeah. No. It's a waste waste company.\n\nWater. Yeah. That's right. Yeah. I'm a so the lead trainer for New South Wales.\n\nNo. I travel around to the different device. No. No. Just just yeah.\n\nYou've been pretty straightforward, and it's a matter of just supplying me with the right information to get lead forward. That's all. Yep. Five. Okay.\n\nYep. Alright. Eight. Oh, okay. Yep.\n\nYeah. Right. Okay. Sweet. Oh, that's fine.\n\nSo I start yeah. And so I just start press click to start and that should you should get me signature. Right? Yes. Oh, okay.\n\nYeah. Yeah. Yeah. Right. Okay.\n\nI might have to spark up the other computer. Alright. Now here here it is. No. No.\n\nAll good. Now hang on for a minute. Yeah. Sign all. Done.\n\nSo date. Validate the site. Completed. Yeah. Yeah.\n\nIt's just loading. Here we go. Yeah. Right. There it is.\n\nYeah. Yeah. Yep. Yeah. No.\n\nNo. I I I do log in. So I've got no no problems there. I'll check it. Yeah.\n\nWell, not regularly, but every now and then. So yeah. All all good stuff, Yeah. That's no. That's fine.\n\nYeah. No. Just yeah. Just stick with the annual reviews. But if anything does pop up, you gotta feel free to reach out.\n\nThat's all. Yeah. No. Exactly. Exactly.\n\nYes. Not a problem, mate. Well, you have a nice holiday. Cheers, mate. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.0754159688949585},{"text":"Yeah.","start":5.12,"end":5.52,"sentiment":"neutral","sentiment_score":0.19375616312026975},{"text":"Yeah.","start":5.52,"end":5.7599998,"sentiment":"neutral","sentiment_score":0.2597947120666504},{"text":"Not too bad, 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sorry?","start":1169.2101,"end":1171.63,"sentiment":"negative","sentiment_score":-0.36378854513168335}],"sentiment":"neutral","sentiment_score":-0.20125044722642219,"num_words":7,"start":1165.435,"end":1171.63},{"sentences":[{"text":"Yeah.","start":1173.2101,"end":1173.6101,"sentiment":"neutral","sentiment_score":-0.09520398825407028},{"text":"Yeah.","start":1173.6101,"end":1173.8501,"sentiment":"neutral","sentiment_score":-0.09283125400543212},{"text":"I was just gonna say, wouldn't it be best to try and get in as much money as I can or 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that was over as well.","start":1236.285,"end":1239.1051,"sentiment":"neutral","sentiment_score":-0.04234410387774309},{"text":"Alright.","start":1243.5651,"end":1244.0651,"sentiment":"neutral","sentiment_score":-0.0709514319896698},{"text":"So you reckon the market's gonna die down a bit, you 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know?","start":1328.8151,"end":1329.15,"sentiment":"neutral","sentiment_score":0.02641349472105503},{"text":"No.","start":1330.91,"end":1331.41,"sentiment":"neutral","sentiment_score":-0.1784420609474182}],"sentiment":"neutral","sentiment_score":-0.003927318887277083,"num_words":22,"start":1323.055,"end":1331.41},{"sentences":[{"text":"That that's right.","start":1332.99,"end":1333.9501,"sentiment":"neutral","sentiment_score":0.00422836033006509},{"text":"No.","start":1333.9501,"end":1334.11,"sentiment":"neutral","sentiment_score":-0.16506823897361755},{"text":"It's just that I got got my daughter and her family out of renting, and it was so hard for them to get a home loan as well if all it did get into the market.","start":1334.11,"end":1347.995,"sentiment":"neutral","sentiment_score":-0.19953172095119953},{"text":"Right?","start":1348.5349,"end":1349.0349,"sentiment":"neutral","sentiment_score":-0.023726684972643852},{"text":"And so what I've done was I extended on the 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there.","start":1585.295,"end":1593.49,"sentiment":"neutral","sentiment_score":0.05525366569820203}],"sentiment":"neutral","sentiment_score":0.04758888700356086,"num_words":24,"start":1584.095,"end":1593.49},{"sentences":[{"text":"And I've also got a a classic car with a Hatesford panel van, and that's only going up in value as well.","start":1595.63,"end":1604.93,"sentiment":"neutral","sentiment_score":0.14474378458478235},{"text":"So if anything, I I can always sell that.","start":1606.235,"end":1608.815,"sentiment":"neutral","sentiment_score":0.1158743906352255},{"text":"And with whatever cash I've got as well, that goes towards what I look at.","start":1609.9149,"end":1615.2949,"sentiment":"neutral","sentiment_score":0.08950138588746388},{"text":"Well, I I brought it for 20, and I could probably sell it for around 60.","start":1621.85,"end":1628.11,"sentiment":"neutral","sentiment_score":0.08654077211394906},{"text":"No.","start":1642.395,"end":1642.875,"sentiment":"neutral","sentiment_score":-0.10829292982816696}],"sentiment":"neutral","sentiment_score":0.10866846014109868,"num_words":63,"start":1595.63,"end":1642.875},{"sentences":[{"text":"No.","start":1642.875,"end":1643.1951,"sentiment":"neutral","sentiment_score":-0.12758371233940125},{"text":"No.","start":1643.1951,"end":1643.3551,"sentiment":"neutral","sentiment_score":-0.14211788773536682},{"text":"No loans.","start":1643.3551,"end":1644.155,"sentiment":"neutral","sentiment_score":-0.15022939443588257},{"text":"The only house loan.","start":1644.155,"end":1645.79,"sentiment":"neutral","sentiment_score":-0.09959392435848713},{"text":"That's it.","start":1645.8501,"end":1646.51,"sentiment":"neutral","sentiment_score":0.2531592696905136}],"sentiment":"neutral","sentiment_score":-0.04622175469994545,"num_words":10,"start":1642.875,"end":1646.51},{"sentences":[{"text":"If anything, I borrow off myself.","start":1648.81,"end":1650.67,"sentiment":"neutral","sentiment_score":0.12736833778520426},{"text":"That's right.","start":1655.93,"end":1656.65,"sentiment":"neutral","sentiment_score":0.13817764818668365},{"text":"Exactly.","start":1656.65,"end":1657.15,"sentiment":"neutral","sentiment_score":0.2935003936290741},{"text":"Yeah.","start":1671.7051,"end":1672.185,"sentiment":"neutral","sentiment_score":-0.009178505279123785},{"text":"No.","start":1672.185,"end":1672.505,"sentiment":"neutral","sentiment_score":-0.0883970707654953}],"sentiment":"neutral","sentiment_score":0.11240819460627707,"num_words":11,"start":1648.81,"end":1672.505},{"sentences":[{"text":"That's probably what what it would look like now.","start":1672.505,"end":1674.91,"sentiment":"neutral","sentiment_score":-0.04391846971379386},{"text":"Yeah.","start":1674.91,"end":1675.41,"sentiment":"neutral","sentiment_score":0.028309524059295654},{"text":"Yeah.","start":1677.2301,"end":1677.55,"sentiment":"neutral","sentiment_score":0.033346399664878845},{"text":"All all up, you're probably looking around that one point five, one point six.","start":1677.55,"end":1681.9701,"sentiment":"neutral","sentiment_score":0.04869918059557676},{"text":"Well, I haven't looked at the tax side, but it's I think it's one ten.","start":1694.585,"end":1698.6849,"sentiment":"neutral","sentiment_score":0.006648865963021914}],"sentiment":"neutral","sentiment_score":0.011197780352085828,"num_words":40,"start":1672.505,"end":1698.6849},{"sentences":[{"text":"Yeah.","start":1700.665,"end":1700.905,"sentiment":"neutral","sentiment_score":0.04774753749370575},{"text":"I think it's one ten, I think.","start":1700.905,"end":1702.26,"sentiment":"neutral","sentiment_score":0.05817817045109613},{"text":"Yep.","start":1706.18,"end":1706.68,"sentiment":"neutral","sentiment_score":0.07994522154331207},{"text":"No.","start":1720.915,"end":1721.3151,"sentiment":"neutral","sentiment_score":-0.09039192646741868},{"text":"No.","start":1721.3151,"end":1721.8151,"sentiment":"neutral","sentiment_score":-0.07675561308860779}],"sentiment":"neutral","sentiment_score":0.0334356738762422,"num_words":11,"start":1700.665,"end":1721.8151},{"sentences":[{"text":"Veolia.","start":1721.875,"end":1722.375,"sentiment":"neutral","sentiment_score":-0.06914935261011124},{"text":"Yep.","start":1725.555,"end":1726.055,"sentiment":"neutral","sentiment_score":-0.02586011588573456},{"text":"Yeah.","start":1729.17,"end":1729.49,"sentiment":"neutral","sentiment_score":-0.03626643121242523},{"text":"No.","start":1729.49,"end":1729.8099,"sentiment":"neutral","sentiment_score":-0.06657055765390396},{"text":"It's a waste waste company.","start":1729.8099,"end":1731.51,"sentiment":"neutral","sentiment_score":-0.07215574905276298}],"sentiment":"neutral","sentiment_score":-0.06206946695844332,"num_words":9,"start":1721.875,"end":1731.51},{"sentences":[{"text":"Water.","start":1733.25,"end":1733.41,"sentiment":"neutral","sentiment_score":-0.015926528722047806},{"text":"Yeah.","start":1733.41,"end":1733.91,"sentiment":"neutral","sentiment_score":-0.010018903762102129},{"text":"That's right.","start":1735.97,"end":1736.79,"sentiment":"neutral","sentiment_score":0.0370306558907032},{"text":"Yeah.","start":1743.875,"end":1744.115,"sentiment":"neutral","sentiment_score":0.02061726525425911},{"text":"I'm a so the lead trainer for New South Wales.","start":1744.115,"end":1749.575,"sentiment":"neutral","sentiment_score":0.04128603059798479}],"sentiment":"neutral","sentiment_score":0.03210623003542423,"num_words":15,"start":1733.25,"end":1749.575},{"sentences":[{"text":"No.","start":1757.955,"end":1758.195,"sentiment":"neutral","sentiment_score":-0.017041636630892754},{"text":"I travel around to the different device.","start":1758.195,"end":1760.51,"sentiment":"neutral","sentiment_score":0.0021005762474877493},{"text":"No.","start":1778.325,"end":1778.645,"sentiment":"neutral","sentiment_score":-0.10620762407779694},{"text":"No.","start":1778.645,"end":1778.965,"sentiment":"neutral","sentiment_score":-0.07815851271152496},{"text":"Just just yeah.","start":1778.965,"end":1780.745,"sentiment":"neutral","sentiment_score":-0.03635721964140733}],"sentiment":"neutral","sentiment_score":-0.02275195373938634,"num_words":13,"start":1757.955,"end":1780.745},{"sentences":[{"text":"You've been pretty straightforward, and it's a matter of just supplying me with the right information to get lead forward.","start":1781.365,"end":1791.43,"sentiment":"positive","sentiment_score":0.5328368917107582},{"text":"That's all.","start":1792.13,"end":1792.9501,"sentiment":"neutral","sentiment_score":0.1746831238269806},{"text":"Yep.","start":1804.245,"end":1804.745,"sentiment":"neutral","sentiment_score":0.04297900944948197},{"text":"Five.","start":1821.3201,"end":1821.7201,"sentiment":"neutral","sentiment_score":0.053697265684604645},{"text":"Okay.","start":1821.7201,"end":1822.1201,"sentiment":"neutral","sentiment_score":0.0964922234416008}],"sentiment":"positive","sentiment_score":0.44797090321779254,"num_words":25,"start":1781.365,"end":1822.1201},{"sentences":[{"text":"Yep.","start":1822.1201,"end":1822.6201,"sentiment":"neutral","sentiment_score":0.13812798261642456},{"text":"Alright.","start":1836.135,"end":1836.635,"sentiment":"neutral","sentiment_score":0.05753786861896515},{"text":"Eight.","start":1847.09,"end":1847.59,"sentiment":"neutral","sentiment_score":0.020067449659109116},{"text":"Oh, okay.","start":1868.6549,"end":1869.315,"sentiment":"neutral","sentiment_score":0.11876290291547775},{"text":"Yep.","start":1878.45,"end":1878.95,"sentiment":"neutral","sentiment_score":0.10487547516822816}],"sentiment":"neutral","sentiment_score":0.09302243031561375,"num_words":6,"start":1822.1201,"end":1878.95},{"sentences":[{"text":"Yeah.","start":1880.85,"end":1881.25,"sentiment":"neutral","sentiment_score":0.08745566755533218},{"text":"Right.","start":1881.25,"end":1881.6499,"sentiment":"neutral","sentiment_score":0.11259804666042328},{"text":"Okay.","start":1881.6499,"end":1882.0499,"sentiment":"neutral","sentiment_score":0.17162594199180603},{"text":"Sweet.","start":1882.0499,"end":1882.485,"sentiment":"neutral","sentiment_score":0.3153958320617676},{"text":"Oh, that's fine.","start":1888.725,"end":1889.705,"sentiment":"neutral","sentiment_score":0.2569514016310374}],"sentiment":"neutral","sentiment_score":0.20827567045177733,"num_words":7,"start":1880.85,"end":1889.705},{"sentences":[{"text":"So I start yeah.","start":1889.9249,"end":1892.245,"sentiment":"neutral","sentiment_score":0.12189392745494843},{"text":"And so I just start press click to start and that should you should get me signature.","start":1892.245,"end":1897.9249,"sentiment":"neutral","sentiment_score":0.10734249739085927},{"text":"Right?","start":1897.9249,"end":1898.25,"sentiment":"neutral","sentiment_score":0.08613037317991257},{"text":"Yes.","start":1903.37,"end":1903.87,"sentiment":"neutral","sentiment_score":0.0859948992729187},{"text":"Oh, okay.","start":1907.37,"end":1908.11,"sentiment":"neutral","sentiment_score":0.08089180663228035}],"sentiment":"neutral","sentiment_score":0.10585228204727173,"num_words":25,"start":1889.9249,"end":1908.11},{"sentences":[{"text":"Yeah.","start":1909.93,"end":1910.17,"sentiment":"neutral","sentiment_score":0.1681501269340515},{"text":"Yeah.","start":1910.17,"end":1910.325,"sentiment":"neutral","sentiment_score":0.2623904347419739},{"text":"Yeah.","start":1923.125,"end":1923.5249,"sentiment":"neutral","sentiment_score":0.2177415192127228},{"text":"Right.","start":1923.5249,"end":1923.845,"sentiment":"neutral","sentiment_score":0.25290435552597046},{"text":"Okay.","start":1923.845,"end":1924.345,"sentiment":"positive","sentiment_score":0.3653072416782379}],"sentiment":"neutral","sentiment_score":0.2532987356185913,"num_words":5,"start":1909.93,"end":1924.345},{"sentences":[{"text":"I might have to spark up the other computer.","start":1946.305,"end":1948.405,"sentiment":"neutral","sentiment_score":-0.06503620371222496},{"text":"Alright.","start":1955.96,"end":1956.28,"sentiment":"neutral","sentiment_score":0.08614791929721832},{"text":"Now here here it is.","start":1956.28,"end":1957.56,"sentiment":"neutral","sentiment_score":0.06275066807866096},{"text":"No.","start":1957.56,"end":1957.72,"sentiment":"neutral","sentiment_score":-0.10359356552362442},{"text":"No.","start":1957.72,"end":1957.96,"sentiment":"neutral","sentiment_score":-0.08641305565834045}],"sentiment":"neutral","sentiment_score":-0.022084187935380376,"num_words":17,"start":1946.305,"end":1957.96},{"sentences":[{"text":"All good.","start":1957.96,"end":1958.7001,"sentiment":"neutral","sentiment_score":0.28441400825977325},{"text":"Now hang on for a minute.","start":1958.76,"end":1959.88,"sentiment":"neutral","sentiment_score":0.11643623933196068},{"text":"Yeah.","start":1959.88,"end":1960.28,"sentiment":"neutral","sentiment_score":0.09930463880300522},{"text":"Sign all.","start":1960.28,"end":1961.18,"sentiment":"neutral","sentiment_score":0.10280140489339828},{"text":"Done.","start":1966.76,"end":1967.08,"sentiment":"neutral","sentiment_score":0.14821548759937286}],"sentiment":"neutral","sentiment_score":0.14338069905837378,"num_words":12,"start":1957.96,"end":1967.08},{"sentences":[{"text":"So date.","start":1967.08,"end":1967.98,"sentiment":"neutral","sentiment_score":0.09554749354720116},{"text":"Validate the site.","start":1974.195,"end":1975.4149,"sentiment":"neutral","sentiment_score":0.1271712308128675},{"text":"Completed.","start":1975.715,"end":1975.7949,"sentiment":"neutral","sentiment_score":0.16261792182922363},{"text":"Yeah.","start":1975.7949,"end":1976.2949,"sentiment":"neutral","sentiment_score":0.10490600764751434},{"text":"Yeah.","start":1988.92,"end":1989.0801,"sentiment":"neutral","sentiment_score":0.10875648260116576}],"sentiment":"neutral","sentiment_score":0.11861113645136356,"num_words":8,"start":1967.08,"end":1989.0801},{"sentences":[{"text":"It's just loading.","start":1989.0801,"end":1990.2201,"sentiment":"neutral","sentiment_score":0.11075472583373387},{"text":"Here we go.","start":1991.0801,"end":1991.98,"sentiment":"neutral","sentiment_score":0.0947495127717654},{"text":"Yeah.","start":1996.12,"end":1996.52,"sentiment":"neutral","sentiment_score":0.14477208256721497},{"text":"Right.","start":1996.52,"end":1997.02,"sentiment":"neutral","sentiment_score":0.2089289128780365},{"text":"There it is.","start":2001.005,"end":2001.6449,"sentiment":"neutral","sentiment_score":0.20161300400892893}],"sentiment":"neutral","sentiment_score":0.14318661120804874,"num_words":11,"start":1989.0801,"end":2001.6449},{"sentences":[{"text":"Yeah.","start":2001.6449,"end":2001.885,"sentiment":"neutral","sentiment_score":0.11375810205936432},{"text":"Yeah.","start":2001.885,"end":2002.385,"sentiment":"neutral","sentiment_score":0.13450051844120026},{"text":"Yep.","start":2011.08,"end":2011.58,"sentiment":"neutral","sentiment_score":0.18315444886684415},{"text":"Yeah.","start":2019.32,"end":2019.64,"sentiment":"neutral","sentiment_score":0.024173282086849213},{"text":"No.","start":2019.64,"end":2019.7999,"sentiment":"neutral","sentiment_score":-0.036678142845630646}],"sentiment":"neutral","sentiment_score":0.08378164172172546,"num_words":5,"start":2001.6449,"end":2019.7999},{"sentences":[{"text":"No.","start":2019.7999,"end":2020.2,"sentiment":"neutral","sentiment_score":-0.030946116894483566},{"text":"I I I do log in.","start":2020.2,"end":2021.82,"sentiment":"neutral","sentiment_score":0.04450029321014881},{"text":"So I've got no no problems there.","start":2023.0,"end":2025.02,"sentiment":"neutral","sentiment_score":0.3144063523837498},{"text":"I'll check it.","start":2026.3949,"end":2027.375,"sentiment":"neutral","sentiment_score":0.2866576910018921},{"text":"Yeah.","start":2027.9149,"end":2028.4149,"sentiment":"neutral","sentiment_score":0.09549322724342346}],"sentiment":"neutral","sentiment_score":0.1884648005167643,"num_words":18,"start":2019.7999,"end":2028.4149},{"sentences":[{"text":"Well, not regularly, but every now and then.","start":2028.6349,"end":2030.955,"sentiment":"neutral","sentiment_score":0.0014108838513493538},{"text":"So yeah.","start":2030.955,"end":2033.115,"sentiment":"neutral","sentiment_score":0.1648406982421875},{"text":"All all good stuff, Yeah.","start":2033.115,"end":2045.7799,"sentiment":"positive","sentiment_score":0.3404814064502716},{"text":"That's no.","start":2045.7799,"end":2046.1799,"sentiment":"neutral","sentiment_score":-0.2030881643295288},{"text":"That's fine.","start":2046.1799,"end":2047.0,"sentiment":"neutral","sentiment_score":0.07017962820827961}],"sentiment":"neutral","sentiment_score":0.09355570670021207,"num_words":19,"start":2028.6349,"end":2047.0},{"sentences":[{"text":"Yeah.","start":2057.915,"end":2058.235,"sentiment":"neutral","sentiment_score":0.03452762961387634},{"text":"No.","start":2058.235,"end":2058.555,"sentiment":"neutral","sentiment_score":-0.05900938063859939},{"text":"Just yeah.","start":2058.555,"end":2059.375,"sentiment":"neutral","sentiment_score":-0.012614834122359753},{"text":"Just stick with the annual reviews.","start":2059.435,"end":2061.115,"sentiment":"neutral","sentiment_score":0.035740782817204796},{"text":"But if anything does pop up, you gotta feel free to reach out.","start":2061.115,"end":2064.975,"sentiment":"neutral","sentiment_score":0.09795759704250556}],"sentiment":"neutral","sentiment_score":0.06252965387766776,"num_words":23,"start":2057.915,"end":2064.975},{"sentences":[{"text":"That's all.","start":2065.115,"end":2065.935,"sentiment":"neutral","sentiment_score":0.08942318335175514},{"text":"Yeah.","start":2069.0352,"end":2069.355,"sentiment":"neutral","sentiment_score":0.031563229858875275},{"text":"No.","start":2069.355,"end":2069.595,"sentiment":"neutral","sentiment_score":-0.025550855323672295},{"text":"Exactly.","start":2069.595,"end":2070.095,"sentiment":"neutral","sentiment_score":0.09346280992031096},{"text":"Exactly.","start":2070.315,"end":2070.815,"sentiment":"neutral","sentiment_score":0.26302850246429443}],"sentiment":"neutral","sentiment_score":0.09022500893721978,"num_words":6,"start":2065.115,"end":2070.815},{"sentences":[{"text":"Yes.","start":2081.3298,"end":2081.8298,"sentiment":"neutral","sentiment_score":0.30061644315719604},{"text":"Not a problem, mate.","start":2087.213,"end":2088.0928,"sentiment":"positive","sentiment_score":0.5022078976035118},{"text":"Well, you have a nice holiday.","start":2088.0928,"end":2089.473,"sentiment":"positive","sentiment_score":0.7937498092651367},{"text":"Cheers, mate.","start":2092.4128,"end":2092.973,"sentiment":"positive","sentiment_score":0.6121154427528381},{"text":"Bye bye.","start":2092.973,"end":2093.6328,"sentiment":"neutral","sentiment_score":0.29269447922706604}],"sentiment":"positive","sentiment_score":0.5921044488747914,"num_words":15,"start":2081.3298,"end":2093.6328}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good day, Steven. Tommy here from Oakview Financial. How are you doing today?\n\nChannel 1: Yeah. Yeah. Not too bad, mate. Yourself?\n\nChannel 0: Living the dream so far. It's been a beautiful day on the Gold Coast. What about your end?\n\nChannel 1: Yeah. Yeah. No. No. It's fun to out, mate.\n\nYes. So\n\nChannel 0: Alright.\n\nChannel 1: sounds\n\nChannel 0: Well, I won't\n\nChannel 1: out\n\nChannel 0: keep you too long from it, mate, but I'm one\n\nChannel 1: sounds\n\nChannel 0: of the senior advisers here and just wanted\n\nChannel 1: out.\n\nChannel 0: to run through your review with you.\n\nChannel 1: Yes.\n\nChannel 0: You and me just go through a quick security check with you while I send through your annual review pack?\n\nChannel 1: Yeah. Copy that.\n\nChannel 0: Beautiful. So I'm registered with ASIC as adviser 1 273105, and we do record our calls for training and quality purposes. Could I just get your date of birth and address,\n\nChannel 1: Third of the fifth nineteen sixty eight. Fourteen Francis Greenway Avenue, Saint Claire two seven five nine, New South Wales.\n\nChannel 0: please? Sensational. Thank you so much for that, mate. Now I have popped through a annual review pack to your Hotmail address. Will you be able to\n\nChannel 1: Yep.\n\nChannel 0: look onto that with me today, or should I just kind of walk you through what's coming?\n\nChannel 1: Yeah. And I'll but I just got a spark on my computer. That's all.\n\nChannel 0: That's no worries. While you're grabbing your computer there, I'll kinda let you know what's been sent your way. So there's the usual summary of your super and insurances coming through, bit of an updated performance report, certificate for your insurance policy itself, and just some updated services guides with Oak\n\nChannel 1: No worries.\n\nChannel 0: Financial. And, Steve, anything in particular you're hoping to get out of this year's review?\n\nChannel 1: It's just a matter of how we're tracking and everything else. That's all.\n\nChannel 0: Yep. No worries. There's a few things I wanted to run through with you today, mainly just around insurance pricing and portfolios within your Netwealth account. There's obviously been a few things going on with Iran, and we've made some changes to your account. While you're grabbing that email up, do you recall receiving maybe a few months ago a record of advice from us?\n\nChannel 1: Maybe I because I put everything into the folder anyway, so I probably got one there.\n\nChannel 0: Okay. Cool. Cool. So when you grab that email up from us, there's a I'm not sure if you used our new system before, but we've got a custom built CRM for all of your details for your LinkedIn, and it does include, like, a bit of a DocuSign feature. But what I want you to do, if you can, is if you hit the purple sign button, it'll bring open the six documents to run through with me, and just make sure you're comfortable with it before you sign anything.\n\nChannel 1: Yeah. Still logged in anything else in it.\n\nChannel 0: No. You're alright, man. And just while you're doing that, I'm gonna bring open your Netwealth account live as well just so I can get you sort of today's balance.\n\nChannel 1: Yep. Okay. I'll put you here, Tommy.\n\nChannel 0: Beautiful. You should see a first document when you open it up will be super insurance\n\nChannel 1: Alright. Hang on for a minute. I'll put that. Let's see.\n\nChannel 0: summary.\n\nChannel 1: Alright. Do I gotta click on oh, click on. Sorry. Tell me yet. Yep.\n\nChannel 0: Yeah. So when you open up the email, there'll be, like, a purple sign button, and it sort of brings you into the software link.\n\nChannel 1: Alright. Is that purple? Yeah. It looks like black and white, don't\n\nChannel 0: Alright. And the first one that pops up should have, like, a overview letterhead at the top, and it should say summary of Super Insurance.\n\nChannel 1: Hang on. Yeah. Okay. Alright. So, yeah, I've opened it up.\n\nSummary. Superannuation insurance. Yes?\n\nChannel 0: Beautiful. So those will be the two main accounts to talk about today outside of any other\n\nChannel 1: Yes.\n\nChannel 0: advice areas you might need. Just to let you know, the balance as of today is $2.87 $6.04 4. So it obviously fluctuates every day. One\n\nChannel 1: Yep.\n\nChannel 0: thing I want you to do, if you could, please, is there should be a button saying next document.\n\nChannel 1: Yes.\n\nChannel 0: Yep. So if you just pop through to the next one, you'll see a Vanguard chart, big red doc big red banner there. And I just want you to skip past that one to the asset performance detail. And it's a huge table with Netwealth with about 400 figures on there. It is a bit large, but it's your portfolio breakdown.\n\nChannel 1: Okay. So you want me to go to the third page. Right?\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: And then\n\nChannel 1: Alright.\n\nChannel 0: you\n\nChannel 1: Yep.\n\nChannel 0: should see blue table Netwealth logo asset performance.\n\nChannel 1: Yeah. Copy that.\n\nChannel 0: Cool. So with your super, you're in a pretty sort of high growth portfolio. Basically, everything is invested in growth assets between shares, property, gold, and so on. Very little is in the defensive side. Obviously, the whole point of that, get your high long term returns.\n\nOne part I wanted to discuss with you today is at what point do we reduce the risk level down. But before I jump into that risk discussion, I just wanna let you know what that record of advice was that you received.\n\nChannel 1: Right.\n\nChannel 0: Now normally, with the high growth portfolios, we're kind of aiming for, like, an average return of about, say, nine to 10%. In the good years, it goes up ten, twenty, 30. When the market crashes, it goes down. If you average it over the decade, you kinda wanna be in double digits territory. Does that make sense?\n\nChannel 1: Yes.\n\nChannel 0: Cool. Now if you can see on the left hand side, it's broken down categories of your investments, and you should see, like, cash, your alternative gold investment, and then some Australian and international equities and shares broken\n\nChannel 1: Yes.\n\nChannel 0: down by funds. Cool. If you swing over to the very right hand side, the second last column is a return percentage for every option.\n\nChannel 1: Right.\n\nChannel 0: So what essentially happened this year, most of them that you can see are all double digits in terms of returns, but you can see in the middle, there's one there that says minus 23%, and then below it, there's one that says 5.86. Can you make that\n\nChannel 1: Yes.\n\nChannel 0: one\n\nChannel 1: Yep.\n\nChannel 0: out? Cool. So what basically happened was when the Iran war kicked off, one thing kind of broke within some Australian share funds where they kind of made a bit of a misstep in some companies they invested in. And some news articles came out in The UK and caused a significant write down of those assets, which basically cause that to start diving. Now normally, what would happen is we would call you up for a review and say, hey.\n\nLook. Here's your 10 options. One's not done so well. I'm gonna recommend changing it. What's happened with this fund in particular with Benelong is because of the issues were kind of so serious, we\n\nChannel 1: Yes.\n\nChannel 0: we in particular with Benelong is because of the issues were kind of so serious, we made it a decision across the entire client base at the investment committee level to divest everybody from that option and switch it out for a lower fee, better performing option before it got too\n\nChannel 1: Right.\n\nChannel 0: bad. It's basically one of those ones where sometimes when funds don't perform as well, you give them a year or two to kind of bounce back. In this particular case, we didn't have any confidence that it would bounce back, So we switched it out with the one that you can see below it, which is the Australia\n\nChannel 1: Alright.\n\nChannel 0: sorry. BetaShares Australia two hundred.\n\nChannel 1: Yep.\n\nChannel 0: Now that's only been there for a few months, but it's already bounced back to percent.\n\nChannel 1: Yeah. Right.\n\nChannel 0: So what that's essentially done, normally, we would give you a statement of advice and say this is what we're doing, but this was kind of big enough to just warrant changing it and letting you know. It's\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: brought your overall returns, like long term average for five years, back to that kind of 10 to 12% mark that we're aiming for.\n\nChannel 1: Yeah. Right. Okay.\n\nChannel 0: So when I review your account today, I can basically see all of these options here. They're all performing very, very well. Gold's doing its thing. International shares are doing their thing. I don't see any concerns as far as the remaining options that you have, but I just wanted to let you know what we were doing in the background.\n\nChannel 1: Yep.\n\nChannel 0: Cool.\n\nChannel 1: Yep. That's alright. Yeah. As long as you're doing the right thing, mate, it's all good.\n\nChannel 0: Yeah. And, look, this is not a very frequent thing that happens in the industry. Normally, we would just do the annual review. Any changes we wanna look at, we would just go through and update and buy strategy for you. But this one, yeah, a little bit quicker just to get onto it for you.\n\nChannel 1: Yep.\n\nChannel 0: My main question really is just around the risk level of things. Because we have you noted down for potentially retiring at about 65, what are\n\nChannel 1: Yep.\n\nChannel 0: your thoughts on the next sort of seven years or so with your trajectory?\n\nChannel 1: Yeah. No. It's probably still the same, mate. Yeah. I just need to get get it up there, you know, for when I do retire.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. So I can just live comfortable.\n\nChannel 0: So the the couple of options we've got, if we stay high growth, we're obviously gonna get some really good long term returns over a seven to ten year period, and it's\n\nChannel 1: Yep.\n\nChannel 0: gonna really sort of soar the super up. Because you've got close to $300 now, when there's that 10% up or down, your super is gonna be jumping up and down 25 to $50,000 compared to that young kid that's got $30, and it goes up one or two. Do you know what I mean? So this is kind of your last period to get those really good returns and kind of finish off building the the amount that you need for the\n\nChannel 1: Yes.\n\nChannel 0: retirement goal. The question becomes, normally, for high growth, we usually wanna have around nine to ten years to invest in that risk level so that if the market crashes, you've got enough time to get the return target that we're after. The risk is if we stay in it, that it may delay your retirement by a year or two waiting for the market to bounce back if it crashes.\n\nChannel 1: Yeah. Right. Okay.\n\nChannel 0: So the alternative is so we can stay in there, get as much growth as we can. It may delay things by a year or two if the world explodes, or we could maybe drop down to a four out of five on the risk scale and maybe put some extra contributions in, whatever kind of works for you. I just wanted to wrap it by you.\n\nChannel 1: Yeah. No. That's all. That's what come over to you, Blake, anyway, to steer me in the right direction. So to make\n\nChannel 0: Yeah.\n\nChannel 1: me decisions. You know what I mean?\n\nChannel 0: Yeah. So do you think that based on and I'll update a couple of details in a second with you. But just in terms of your cash flow, would you be able to look at a bit of salary sacrifice, $50 a week, a $100 a week, something like that to to get it going and reduce the risk level down? How's your cash flow at the moment?\n\nChannel 1: Alright. No. That's alright. Yeah. I could probably do that.\n\nChannel 0: K. Because you're on was it about a 100,000 or you'd be a bit bit above that now?\n\nChannel 1: Yeah. A little bit of a about that now. Yeah.\n\nChannel 0: K. So because you're in that tax bracket, let's say for every $100 you put in, it probably costs you about 67 in the pocket because it goes in pretax.\n\nChannel 1: Right.\n\nChannel 0: So I just wanna be guided by you in terms of budget. And bear in mind, you can access a bit of your super back at 60, but you still are focusing on your mortgage repayments and things like that. So we wanna kind of do a bit of both.\n\nChannel 1: Yeah.\n\nChannel 0: What would be a a comfortable amount to start with, do you think?\n\nChannel 1: Yeah. Well, alright. Because I get paid monthly now. Oh,\n\nChannel 0: Okay.\n\nChannel 1: I have been well. What what I have been doing, I've been just smashing out me the home loan anyway.\n\nChannel 0: Right. Offset account or extra repayments?\n\nChannel 1: I x-ray payments.\n\nChannel 0: Cool. Okay. What's the home loan sitting at at the moment? I think last check was 600,000.\n\nChannel 1: Yeah. Yeah. No. That is correct. So I can't remember now.\n\nBecause I've got well, I've actually got two home loans. One that me daughter's paying off, and\n\nChannel 0: Yeah.\n\nChannel 1: that that's around 400,000. And the one that is my main one that I look at, that that was 200,000, but I've got it down to I think it's a 150.\n\nChannel 0: Okay.\n\nChannel 1: So and that's the one I'm just concentrating at the moment on. Yeah. Like like like I said, I've just been putting, you know, a couple of grand in each time every month to get that down.\n\nChannel 0: Yep. Okay. That works pretty good because I've got a few ideas here. So\n\nChannel 1: Yeah.\n\nChannel 0: the mortgage is still a big priority, and knocking that off is gonna help retirement anyway, especially because obviously less you know, not having a mortgage repayment, don't need as much coming out of super to fund it. It's the same kind of thing. Right? Less expenses\n\nChannel 1: Yep.\n\nChannel 0: versus more coming out. We we had a pretty modest kind of retirement goal listed down, let's say, 500 a week after tax with possibly the mortgage paid off just to look after the expenses and things like that. Does that still sound about right?\n\nChannel 1: Yeah. I'll I'll try to. Yes.\n\nChannel 0: Cool. So with with that figure, you only need somewhere between 250 to 500,000. So $2.50 would be minimum where it would run out over about fifteen to twenty years. 500,000 would be you could pop that out in perpetuity without it going down. So, you know, you get a 5% return, $50, 500 comes out, 500 return goes in, and you've still got that 500,000 in ten, twenty, thirty years' time.\n\nSo we're already sort of hitting that threshold where you're getting close to 300,000 now. So you're actually getting pretty close.\n\nChannel 1: Right.\n\nChannel 0: So what we should probably do then is rather than the salary sacrificing, I think the biggest risk that you face is, again, that market crash. If if the stock market completely wipes out 50%,\n\nChannel 1: Yep.\n\nChannel 0: you're delaying your retirement by at least two years.\n\nChannel 1: Right.\n\nChannel 0: So what I can do is you keep focusing on the mortgage. We can reduce the risk level down one peg to start with from a high growth to a growth. We'll still get\n\nChannel 1: Right.\n\nChannel 0: that kind of eight to 10 returns and still get you up to that three, four hundred mark. And then\n\nChannel 1: Alright.\n\nChannel 0: when you hit 60, we can do something called a transition strategy. So it's the ability to kind of pull a bit of money out of your super, put it back in again for a tax deduction, and the difference in the\n\nChannel 1: Yeah. Right.\n\nChannel 0: pocket. So what I'm sort of thinking is a bit of a three step. You focus on the mortgage. I'll reduce your risk level down a little bit. And then once we hit 60, we'll do a couple of extra strategies there and maybe revisit some contributions then.\n\nChannel 1: Yep. Right. Okay. Yeah.\n\nChannel 0: Yep. Because, again, I don't want you putting it all into the super, then the mortgage is still hanging around by the endpoint.\n\nChannel 1: Yeah. Yeah. No. No. That's right.\n\nYeah. Because that that that was my main focus anyway to get get rid of my drop down the house repayments and stuff like that.\n\nChannel 0: Yeah.\n\nChannel 1: Get\n\nChannel 0: Yeah.\n\nChannel 1: rid\n\nChannel 0: Yep.\n\nChannel 1: of\n\nChannel 0: So the other thing we can do too is I wanna kind of look at reducing costs a little bit. On that email, if you can go to the next document, I just wanna quickly touch on your insurances for a moment. It's a\n\nChannel 1: H4.\n\nChannel 0: green yeah. It's a green\n\nChannel 1: Yep.\n\nChannel 0: Tau Certificate of Currency.\n\nChannel 1: Copy that. Yep.\n\nChannel 0: So BT For Life was the insurer. That's now been kind of bought out by Tal, which is one of the sort of big five anyway. So they're the ones that are looking after the policy at the moment.\n\nChannel 1: Yep.\n\nChannel 0: Now if you go down, the premiums was set to 630 sorry. Not premiums. The cover amount, 636,000, was there to cover the mortgage\n\nChannel 1: Alright. Yeah. Yeah. Copy. Yep.\n\nChannel 0: for life and disability. So if you can never work again, pass away, here's the debt cleared out so it doesn't pass pass on to your daughter who you\n\nChannel 1: Yep.\n\nChannel 0: have as beneficiary. So the question is because the premiums have jumped up again, when you hit the late fifties, they go up quite quickly. So we're looking at 6,900 at the moment per year coming out of the super.\n\nChannel 1: Right.\n\nChannel 0: 15% rebate drops it to about $6, but it's still a pretty hefty chunk compared to your contributions.\n\nChannel 1: Oh, okay.\n\nChannel 0: So what I'm sort of thinking is if you've paid off 50 on the mortgage, I can look at just a little bit of a trim down from $6.36 to maybe $5.50 if you're comfortable just to kind of keep a lid on that a little bit.\n\nChannel 1: Well, actually yeah. Yeah. Yeah. That is probably what it'll be now.\n\nChannel 0: You think that would be a good idea to do? Just sort\n\nChannel 1: Yeah.\n\nChannel 0: of get\n\nChannel 1: Yeah.\n\nChannel 0: the\n\nChannel 1: Copy that. Yep.\n\nChannel 0: cost down? Cool. So I'll do the usual research check where I see if there's any other providers that are offering a better deal, but I know TEL's actually got one of the best pricings at the moment. I'll do the research just to double check, but I don't wanna send you through a full application process to change insurers if it's not gonna be any benefit to you. But at\n\nChannel 1: Yeah.\n\nChannel 0: the very least, we'll do an alteration and\n\nChannel 1: Oh,\n\nChannel 0: reduce\n\nChannel 1: okay.\n\nChannel 0: that\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: a little bit. Cool. There's no income protection or trauma insurance on there, but I'm assuming you just wanna focus on the mortgage and the\n\nChannel 1: Yeah.\n\nChannel 0: the life of the yeah. Gotcha. Got Gotcha. Okay. So that gives me a really good idea of what to do with the super and the insurances.\n\nA bit of a trim down, reduce the risk a little bit. We'll revisit that extra strategy when you turn 60. We'll do a bit\n\nChannel 1: Yep.\n\nChannel 0: of preplanning at the next review because we can kind of run through the figures with you before that birthday.\n\nChannel 1: Yeah. Right. I think. So so you reckon it'll be be wise just to knock it down instead of being aggressive, just knock it down a peg?\n\nChannel 0: Yeah. Yeah. Like, if we can still get you to the goal with a little bit less risk, I think that's kind of the best of both worlds. Like, we're not\n\nChannel 1: Yep.\n\nChannel 0: we're not trying to get you a million dollars. We're only trying to get an extra couple of $100 to make sure it's it's safe. And if I can do that with less risk, why\n\nChannel 1: Yeah. Right. Okay.\n\nChannel 0: not? So\n\nChannel 1: Yeah.\n\nChannel 0: I'll put together\n\nChannel 1: Better\n\nChannel 0: a bit\n\nChannel 1: off\n\nChannel 0: of a plan. Oh,\n\nChannel 1: sorry?\n\nChannel 0: sorry, mate. I didn't mean to interrupt you there.\n\nChannel 1: Yeah. Yeah. I was just gonna say, wouldn't it be best to try and get in as much money as I can or what?\n\nChannel 0: Yeah. I mean, in terms of putting in contributions, can do or trying to get as much returns as possible. I'm just conscious of time frames.\n\nChannel 1: Right.\n\nChannel 0: And I'm thinking that the safest thing for you is if we get you to the goal with a bit less risk and the mortgage paid down and keep a lid on the cost, you're gonna get there without having to worry about, oh, I've gotta work another three years.\n\nChannel 1: Yep. Yeah. Right.\n\nChannel 0: Just because if I know, you know, what's current currently going on in the world, could explode very, very quickly. And I guess the worst case scenario is if do you remember sort of GFC that happened in 2009?\n\nChannel 1: Yep.\n\nChannel 0: So that was, like, eighteen months it took for the market to get to the bottom. It was just a straight year and a half of everything crashing down, about 60%. It took five years for it to get back up.\n\nChannel 1: Yeah. Right. Okay. Yeah.\n\nChannel 0: That's\n\nChannel 1: Because\n\nChannel 0: why we kind\n\nChannel 1: that\n\nChannel 0: of say ten years\n\nChannel 1: was\n\nChannel 0: is a\n\nChannel 1: over\n\nChannel 0: good time\n\nChannel 1: as\n\nChannel 0: frame.\n\nChannel 1: well. Alright. So you reckon the market's gonna die down a bit, you reckon? Mhmm.\n\nChannel 0: What's looking more volatile at the moment, and what that really means is that more news articles you see\n\nChannel 1: Yep.\n\nChannel 0: with crazy things happening, the market goes higher and lower quicker rather than that slow and steady growth. That can sometimes break, and then you have a crash.\n\nChannel 1: Yeah. Right.\n\nChannel 0: And I don't wanna call you next year and say, hey. You're you're now sitting at a $190,000,\n\nChannel 1: Yeah.\n\nChannel 0: and we've got to build it back up from there.\n\nChannel 1: Yeah. No. That's right.\n\nChannel 0: Yep. So insurances, the super there. And just in terms of the estate planning side of things, you do have both on the super and the towel policy, Amber listed as the beneficiary. Is that still okay?\n\nChannel 1: That is correct. Yes.\n\nChannel 0: Cool. Did you manage to get a will put\n\nChannel 1: No.\n\nChannel 0: in\n\nChannel 1: Not at the moment. No.\n\nChannel 0: place? Cool. Alright. I'll just include the usual reminders for the the will and the power of attorney, but I'll leave the beneficiaries as they are.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Outside of that, is there anything else that you're sort of focusing on in the next couple of years besides the mortgage?\n\nChannel 1: No. That that's pretty much it, mate. You know? Just I wanna knock that in the heaven away it goes. You know?\n\nChannel 0: Yeah. Be nice\n\nChannel 1: No.\n\nChannel 0: to not have that hanging around.\n\nChannel 1: That that's right. No. It's just that I got got my daughter and her family out of renting, and it was so hard for them to get a home loan as well if all it did get into the market. Right? And so what I've done was I extended on the house.\n\nAnd so I'm out in the Granny flat, and they have the house now. And so and that that's why I talk about two two home loans. It's\n\nChannel 0: Yep.\n\nChannel 1: still\n\nChannel 0: Yep.\n\nChannel 1: under my thing, but she's paying the majority of the other one, so which is around 400,000.\n\nChannel 0: Cool.\n\nChannel 1: Might be a little bit less than that, but they they've gotta pay that. Right? And I've got the second one, which is I call it my one anyway. So I've got that it was 200,000, but I've got it down to a 150. And that's the main one that I wanna try and knock in the head.\n\nRight?\n\nChannel 0: Yep.\n\nChannel 1: Because they're working everything else. So they're they're still paying off everything then. And that that was my main focus. But, you know, it's oh, I still classify their one as mine anyway. So I'm putting a little bit extra into that to get that down as well.\n\nSo\n\nChannel 0: Yeah. So if you're putting that extra couple of grand in there, you should pretty much be able to clear at least that $1.50 well and truly before age 65.\n\nChannel 1: Oh, well, that's the plan, mate. Yeah. Yes.\n\nChannel 0: Cool. Okay. I've got that noted down, and that's cool. So that one's actually been built and and moved in and everything, so I'll put that as a goal achieved. So\n\nChannel 1: Yep.\n\nChannel 0: fantastic. I will raise one quick little thing with you, and I don't mean to be negative about it at all, but we do talk to lawyers quite often about estate planning,\n\nChannel 1: Yep.\n\nChannel 0: especially given the the current economic situation. A lot of your generation is helping children get into the market,\n\nChannel 1: Right.\n\nChannel 0: dual living, that kind of thing. And they're reminded to us as just a flag with clients to make sure you've got, like, financial agreements in place or something in writing so that it makes sense where it's going to. Obviously, I know you trust your daughter. You list her as your beneficiary, but I just\n\nChannel 1: Yep.\n\nChannel 0: wanted to flag that as a you know, it's part of the estate planning side of things\n\nChannel 1: Right.\n\nChannel 0: or down the line as well.\n\nChannel 1: And what do they mean by that then?\n\nChannel 0: So some people do a thing where they'll have an agreement for the the children to pay off the main home, and then they can actually sort of pay to to buy it kind of thing, and that's essentially their inheritance. So I know some people where they've got one set of children that are helping, another set of children who are off, and they go as part of your inheritance, you're gonna buy me out this part of the property, and then you're covered here. And then for the other children, I'm gonna set aside this. Just making\n\nChannel 1: Yeah.\n\nChannel 0: it a bit more concrete on paper.\n\nChannel 1: Oh, okay.\n\nChannel 0: Not sure if you've got other children floating around or any\n\nChannel 1: Yeah.\n\nChannel 0: anyone\n\nChannel 1: No. No. No.\n\nChannel 0: that could pop out of the woodworks.\n\nChannel 1: No. No. It's just just me daughter. I do have a stepson, though, but we've we've already helped him out, and he's happy with what he's got.\n\nChannel 0: Cool. Yeah. I just thought I'd flag it just in case. It would be sort of remiss for me not to at least mention the idea\n\nChannel 1: No.\n\nChannel 0: of putting\n\nChannel 1: That's\n\nChannel 0: things\n\nChannel 1: fine.\n\nChannel 0: on paper.\n\nChannel 1: No. No. That's right. Yeah. Well yeah.\n\nYeah. You never know who comes out of the woodworker. Right?\n\nChannel 0: I've seen some funny things. I have\n\nChannel 1: Yeah.\n\nChannel 0: seen some funny things.\n\nChannel 1: Yeah.\n\nChannel 0: And were you still thinking of one day getting the the old RV as well?\n\nChannel 1: Oh, yeah. Yeah. No. That's still on the cards, mate. Yes.\n\nChannel 0: So any idea how much they cost these days? Have you sort of looked into it yet, or is that a bit further down the line?\n\nChannel 1: Yeah. Oh, no. I'm always looking as well. So anything from 80 up to, I I dare say, yeah, for what I want want $1.50.\n\nChannel 0: Yep. 80 to $1.50. I'll just note it down there so I can kind of track that as part of the the retirement goals with you because\n\nChannel 1: Yeah.\n\nChannel 0: there's the mortgage, there's the income, there's the RV, and I wanna try and make sure that you can sort of achieve all three.\n\nChannel 1: Yeah. Yeah. No. That's right. Well, I it just just in my bank account anyway, just in cash, I've got around 70,000 in there.\n\nChannel 0: Oh, fantastic.\n\nChannel 1: And I've also got a a classic car with a Hatesford panel van,\n\nChannel 0: Oh,\n\nChannel 1: and that's only going up in value as well. So if anything, I I can always sell that. And with whatever cash I've got as well, that goes towards what I look at.\n\nChannel 0: exit. Perfect. What do you reckon the the panel van goes for at the moment?\n\nChannel 1: Well, I I brought it for 20, and I could probably sell it for around 60.\n\nChannel 0: Yep. Awesome. 60 there, 70 in savings, $1.50 on your portion for the mortgage. That's looking pretty good. Any other loans or assets that I can add down?\n\nChannel 1: No. No. No. No loans. The only house loan.\n\nThat's it.\n\nChannel 0: Perfect. Couple\n\nChannel 1: If\n\nChannel 0: other\n\nChannel 1: anything,\n\nChannel 0: detail.\n\nChannel 1: I borrow off myself.\n\nChannel 0: You borrow off yourself in terms of, like, dip out a bit of savings and then make sure you put it back.\n\nChannel 1: That's right. Exactly.\n\nChannel 0: Alright. Cool. I've got the 400 and the $1.50 added in there as well just as a bit of a further breakdown. Home value, I think we had 1.5 on there. Now that you've done the granny site, do you have an idea of what it may may look like?\n\nUh-huh.\n\nChannel 1: Yeah. No. That's probably what what it would look like now. Yeah. Yeah.\n\nAll all up, you're probably looking around that one point\n\nChannel 0: Yeah.\n\nChannel 1: five, one point six.\n\nChannel 0: Awesome. And just quickly, so you mentioned before that your income bumped up maybe a bit above a $100. Do you know where you landed for the the tax year just gone by?\n\nChannel 1: Well, I haven't looked at the tax side, but it's I think it's one ten. Yeah. I think it's one ten, I think.\n\nChannel 0: Cool. I'll go off one ten for the projections update for you just so I can\n\nChannel 1: Yep.\n\nChannel 0: sort of factor in the contributions from work in there and show you kind of what that looks like. And just in terms of the occupation, are you still with Alex Logistics?\n\nChannel 1: No. No. Veolia.\n\nChannel 0: Veolia,\n\nChannel 1: Yep.\n\nChannel 0: the the old gas company.\n\nChannel 1: Yeah. No. It's a waste waste company.\n\nChannel 0: Waste company. That's it.\n\nChannel 1: Water. Yeah.\n\nChannel 0: Water and waste, the big bins.\n\nChannel 1: That's right.\n\nChannel 0: Sweet. And are you what are you doing with them at the moment? I just wanna add in just an occupation\n\nChannel 1: Yeah. I'm a so the lead trainer for New South Wales.\n\nChannel 0: Fantastic. Is that fully office space, or would you have to just sort of go out sites,\n\nChannel 1: No. I\n\nChannel 0: vehicles,\n\nChannel 1: travel around to the different device.\n\nChannel 0: travel to locations? Perfect. Thank you so much for that, Steven. Appreciate that. I think I have everything up to date so far.\n\nAny questions for me so far based on what we talked about?\n\nChannel 1: No. No. Just just yeah. You've been pretty straightforward, and it's a matter of just supplying me with the right information to get lead forward. That's\n\nChannel 0: Yeah.\n\nChannel 1: all.\n\nChannel 0: Yep. So what will basically happen from here, just as a bit of a heads up, is I'm sending this to my team now to do that research on the risk reduction and the insurance reduction. They're\n\nChannel 1: Yep.\n\nChannel 0: basically gonna put that research into an updated document, new projections together, and I will be away next week. But when I get back, I'll get them to sort of book you in, and we can run through the figures together. Make sure you're happy with the plan. If you give me the thumbs up, we can launch in and make the switches.\n\nChannel 1: Five. Okay. Yep.\n\nChannel 0: Cool. Outside of that, the only two remaining documents in that email for the review today is the Oakview services guide. That's your updated, like, licensing information, privacy policy, and so on. A\n\nChannel 1: Alright.\n\nChannel 0: bit more story about the company. And the last one is just the consent and service agreement. So in order for us to remain your advisers, we do need your yearly consent, and\n\nChannel 1: Eight.\n\nChannel 0: the the fees haven't changed from last year. They're still 1.65% spread through the year and the monthlies. There is a discussion we've had with Sevvy and Bart to look at a bit of a tiered fee structure. So from next year onwards, we're gonna start providing discounts for clients above 200,000.\n\nChannel 1: Oh, okay.\n\nChannel 0: Cool. So this one will be the same, but the next review we do, when I talk about that transition to retirement strategy for 60 and beyond, that should\n\nChannel 1: Yep.\n\nChannel 0: all be in place by then as well.\n\nChannel 1: Yeah. Right. Okay. Sweet.\n\nChannel 0: Cool. Alright, Steven. Mate, that's everything from me so far. I do appreciate the time.\n\nChannel 1: Oh, that's fine.\n\nChannel 0: Anything\n\nChannel 1: So I\n\nChannel 0: else\n\nChannel 1: start\n\nChannel 0: I can help with in\n\nChannel 1: yeah. And so I just start press click to start and that should you should get me signature. Right?\n\nChannel 0: Yeah. So you know how we were going through the documents before and skipping across them? When\n\nChannel 1: Yes.\n\nChannel 0: you hit click to start, it'll actually bring you to the signing spots to\n\nChannel 1: Oh,\n\nChannel 0: stamp\n\nChannel 1: okay.\n\nChannel 0: on, like, name, signature, and date,\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: Yeah.\n\nChannel 0: then should be good to from there. Once you're done, there'll be a validate button, which may take a a few moments to load the circle, and then it'll ask you to download a copy signed copy for your records.\n\nChannel 1: Yeah. Right. Okay.\n\nChannel 0: Beauty. So just give that a go for me, see if there's any troubles with it. I believe it might be your first time using this system, so I'll just be there to troubleshoot.\n\nChannel 1: I might have to spark up the other computer.\n\nChannel 0: That's alright. I can I can leave that one with you if you wanna switch devices? But if you have any trouble,\n\nChannel 1: Alright.\n\nChannel 0: just give\n\nChannel 1: Now\n\nChannel 0: us\n\nChannel 1: here\n\nChannel 0: a\n\nChannel 1: here\n\nChannel 0: call.\n\nChannel 1: it is. No. No.\n\nChannel 0: Alright.\n\nChannel 1: All good.\n\nChannel 0: Good.\n\nChannel 1: Now hang on for a minute. Yeah. Sign all. Done. So date.\n\nValidate the site. Completed. Yeah. Yeah. It's just loading.\n\nChannel 0: Yeah.\n\nChannel 1: Here we go.\n\nChannel 0: Sometimes I've heard it take five seconds. Sometimes it's taking a good minute minute ten.\n\nChannel 1: Yeah. Right.\n\nChannel 0: Oh, that's actually come through signed already, so thank you for doing that.\n\nChannel 1: There it\n\nChannel 0: It's\n\nChannel 1: is.\n\nChannel 0: come\n\nChannel 1: Yeah.\n\nChannel 0: through\n\nChannel 1: Yeah.\n\nChannel 0: to me fine. Alrighty. Mate, if there's nothing else, I will send this off to the team.\n\nChannel 1: Yep.\n\nChannel 0: Are you all good for, like, login access and everything to your Netwealth, or you just prefer getting the reports from us? Is there anything else I can sort\n\nChannel 1: Yeah. No. No.\n\nChannel 0: out?\n\nChannel 1: I I I do log in.\n\nChannel 0: Cool. Alright.\n\nChannel 1: So I've got no no problems there. I'll check it. Yeah. Well, not regularly, but every now and then. So\n\nChannel 0: Yep.\n\nChannel 1: yeah. All all good stuff,\n\nChannel 0: The only other two things I was gonna quickly ask and then let you go is did you want me to set up a security question, or are you still happy to go through date of birth address with us?\n\nChannel 1: Yeah. That's no.\n\nChannel 0: Us?\n\nChannel 1: That's fine.\n\nChannel 0: Cool. And just for review frequency, did you want me to pencil in some more frequent catch ups, quarterly, six monthly, or just wait for the annual reviews?\n\nChannel 1: Yeah. No. Just yeah. Just stick with the annual reviews. But if anything does pop up, you gotta feel free to reach out.\n\nThat's all.\n\nChannel 0: Yeah. Yep. Reach out if there's anything crazy going on.\n\nChannel 1: Yeah. No. Exactly. Exactly.\n\nChannel 0: Awesome, Steven, mate. Really appreciate your time today. It's been a pleasure, and I'll probably send you the usual feedback message as well, which would be appreciated.\n\nChannel 1: Yes.\n\nChannel 0: But if nothing else, I will see you possibly in a fortnight.\n\nChannel 1: Not a problem, mate. Well, you have a nice holiday.\n\nChannel 0: I will. Thank you so much, mate. See you then.\n\nChannel 1: Cheers, mate. Bye bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.0754159688949585}],"sentiment":"neutral","sentiment_score":0.0754159688949585,"channel":1,"num_words":1,"start":0.56,"end":1.06},{"sentences":[{"text":"Good day, Steven.","start":1.92,"end":2.8799999,"sentiment":"positive","sentiment_score":0.4823904037475586},{"text":"Tommy here from Oakview Financial.","start":2.8799999,"end":4.3199997,"sentiment":"positive","sentiment_score":0.38499844670295713},{"text":"How are you doing today?","start":4.3199997,"end":5.38,"sentiment":"neutral","sentiment_score":0.3250518023967743}],"sentiment":"positive","sentiment_score":0.3844171120570256,"channel":0,"num_words":13,"start":1.92,"end":5.38},{"sentences":[{"text":"Yeah.","start":5.12,"end":5.52,"sentiment":"neutral","sentiment_score":0.19375616312026975},{"text":"Yeah.","start":5.52,"end":5.7599998,"sentiment":"neutral","sentiment_score":0.2597947120666504},{"text":"Not too bad, mate.","start":5.7599998,"end":6.48,"sentiment":"positive","sentiment_score":0.40260718017816544},{"text":"Yourself?","start":6.48,"end":6.98,"sentiment":"positive","sentiment_score":0.37322360277175903}],"sentiment":"positive","sentiment_score":0.34817188552447725,"channel":1,"num_words":7,"start":5.12,"end":6.98},{"sentences":[{"text":"Living the dream so far.","start":7.44,"end":8.559999,"sentiment":"positive","sentiment_score":0.6862987279891968},{"text":"It's been a beautiful day on the Gold Coast.","start":8.559999,"end":10.24,"sentiment":"positive","sentiment_score":0.8025407791137695},{"text":"What about your end?","start":10.24,"end":11.38,"sentiment":"neutral","sentiment_score":0.2168654128909111}],"sentiment":"positive","sentiment_score":0.6401012390851974,"channel":0,"num_words":18,"start":7.44,"end":11.38},{"sentences":[{"text":"Yeah.","start":11.599999,"end":11.84,"sentiment":"neutral","sentiment_score":0.1718151569366455},{"text":"Yeah.","start":11.84,"end":12.08,"sentiment":"neutral","sentiment_score":0.1336091309785843},{"text":"No.","start":12.08,"end":12.32,"sentiment":"neutral","sentiment_score":-0.00313018262386322},{"text":"No.","start":12.32,"end":12.559999,"sentiment":"neutral","sentiment_score":-0.04027540981769562},{"text":"It's fun to out, mate.","start":12.559999,"end":13.599999,"sentiment":"neutral","sentiment_score":0.23663854598999023}],"sentiment":"neutral","sentiment_score":0.16057904726929134,"channel":1,"num_words":9,"start":11.599999,"end":13.599999},{"sentences":[{"text":"Yes.","start":13.599999,"end":13.935,"sentiment":"neutral","sentiment_score":0.15466426312923431},{"text":"So","start":14.895,"end":15.015,"sentiment":"neutral","sentiment_score":0.13380888104438782}],"sentiment":"neutral","sentiment_score":0.14423657208681107,"channel":1,"num_words":2,"start":13.599999,"end":15.015},{"sentences":[{"text":"Alright.","start":15.04,"end":15.44,"sentiment":"neutral","sentiment_score":0.16178202629089355}],"sentiment":"neutral","sentiment_score":0.16178202629089355,"channel":0,"num_words":1,"start":15.04,"end":15.44},{"sentences":[{"text":"sounds","start":15.135,"end":15.635,"sentiment":"neutral","sentiment_score":0.10007822513580322}],"sentiment":"neutral","sentiment_score":0.10007822513580322,"channel":1,"num_words":1,"start":15.135,"end":15.635},{"sentences":[{"text":"Well, I won't","start":15.44,"end":17.075,"sentiment":"neutral","sentiment_score":0.03639573355515798}],"sentiment":"neutral","sentiment_score":0.03639573355515798,"channel":0,"num_words":3,"start":15.44,"end":17.075},{"sentences":[{"text":"out","start":17.055,"end":17.555,"sentiment":"neutral","sentiment_score":-0.03799112141132355}],"sentiment":"neutral","sentiment_score":-0.03799112141132355,"channel":1,"num_words":1,"start":17.055,"end":17.555},{"sentences":[{"text":"keep you too long from it, mate, but I'm one","start":17.075,"end":19.155,"sentiment":"neutral","sentiment_score":-0.012178891152143479}],"sentiment":"neutral","sentiment_score":-0.012178891152143479,"channel":0,"num_words":10,"start":17.075,"end":19.155},{"sentences":[{"text":"sounds","start":18.975,"end":19.475,"sentiment":"neutral","sentiment_score":0.037137988954782486}],"sentiment":"neutral","sentiment_score":0.037137988954782486,"channel":1,"num_words":1,"start":18.975,"end":19.475},{"sentences":[{"text":"of the senior advisers here and just wanted","start":19.155,"end":20.915,"sentiment":"neutral","sentiment_score":0.06422592187300324}],"sentiment":"neutral","sentiment_score":0.06422592187300324,"channel":0,"num_words":8,"start":19.155,"end":20.915},{"sentences":[{"text":"out.","start":20.895,"end":21.395,"sentiment":"neutral","sentiment_score":0.09724322706460951}],"sentiment":"neutral","sentiment_score":0.09724322706460951,"channel":1,"num_words":1,"start":20.895,"end":21.395},{"sentences":[{"text":"to run through your review with you.","start":20.915,"end":22.615,"sentiment":"neutral","sentiment_score":0.07359807193279266}],"sentiment":"neutral","sentiment_score":0.07359807193279266,"channel":0,"num_words":7,"start":20.915,"end":22.615},{"sentences":[{"text":"Yes.","start":22.815,"end":23.315,"sentiment":"neutral","sentiment_score":0.07837384939193726}],"sentiment":"neutral","sentiment_score":0.07837384939193726,"channel":1,"num_words":1,"start":22.815,"end":23.315},{"sentences":[{"text":"You and me just go through a quick security check with you while I send through your annual review pack?","start":23.235,"end":28.08,"sentiment":"neutral","sentiment_score":0.06206734543666244}],"sentiment":"neutral","sentiment_score":0.06206734543666244,"channel":0,"num_words":20,"start":23.235,"end":28.08},{"sentences":[{"text":"Yeah.","start":28.494999,"end":28.815,"sentiment":"neutral","sentiment_score":0.08534375578165054},{"text":"Copy that.","start":28.815,"end":29.635,"sentiment":"neutral","sentiment_score":0.2101168930530548}],"sentiment":"neutral","sentiment_score":0.16852584729592004,"channel":1,"num_words":3,"start":28.494999,"end":29.635},{"sentences":[{"text":"Beautiful.","start":30.0,"end":30.4,"sentiment":"positive","sentiment_score":0.40083450078964233},{"text":"So I'm registered with ASIC as adviser 1 273105, and we do record our calls for training and quality purposes.","start":30.4,"end":38.58,"sentiment":"neutral","sentiment_score":0.11581439115107059},{"text":"Could I just get your date of birth and address,","start":38.96,"end":41.535,"sentiment":"neutral","sentiment_score":0.05654082857072353}],"sentiment":"neutral","sentiment_score":0.10588808417800934,"channel":0,"num_words":31,"start":30.0,"end":41.535},{"sentences":[{"text":"Third of the fifth nineteen sixty eight.","start":42.82,"end":44.865,"sentiment":"neutral","sentiment_score":0.05650039868695395},{"text":"Fourteen Francis Greenway Avenue, Saint Claire two seven five nine, New South Wales.","start":44.945004,"end":49.925003,"sentiment":"neutral","sentiment_score":0.048472302607618846}],"sentiment":"neutral","sentiment_score":0.05128213623538613,"channel":1,"num_words":20,"start":42.82,"end":49.925003},{"sentences":[{"text":"please?","start":50.015,"end":50.515,"sentiment":"neutral","sentiment_score":0.06035787984728813},{"text":"Sensational.","start":50.735,"end":51.235,"sentiment":"neutral","sentiment_score":0.1328512877225876},{"text":"Thank you so much for that, mate.","start":51.535,"end":52.895,"sentiment":"positive","sentiment_score":0.6260087660380772},{"text":"Now I have popped through a annual review pack to your Hotmail address.","start":52.895,"end":57.0,"sentiment":"neutral","sentiment_score":0.23219049664644095},{"text":"Will you be able to","start":57.24,"end":57.8,"sentiment":"neutral","sentiment_score":0.16743673384189606}],"sentiment":"neutral","sentiment_score":0.31225669094257885,"channel":0,"num_words":27,"start":50.015,"end":57.8},{"sentences":[{"text":"Yep.","start":57.745003,"end":58.08,"sentiment":"neutral","sentiment_score":0.1622898280620575}],"sentiment":"neutral","sentiment_score":0.1622898280620575,"channel":1,"num_words":1,"start":57.745003,"end":58.08},{"sentences":[{"text":"look onto that with me today, or should I just kind of walk you through what's coming?","start":57.8,"end":61.5,"sentiment":"neutral","sentiment_score":0.17755269127733567}],"sentiment":"neutral","sentiment_score":0.17755269127733567,"channel":0,"num_words":17,"start":57.8,"end":61.5},{"sentences":[{"text":"Yeah.","start":62.24,"end":62.56,"sentiment":"neutral","sentiment_score":0.06014315411448479},{"text":"And I'll but I just got a spark on my computer.","start":62.56,"end":64.82,"sentiment":"neutral","sentiment_score":0.006533377888527783},{"text":"That's all.","start":64.96,"end":65.78,"sentiment":"neutral","sentiment_score":0.05682596378028393}],"sentiment":"neutral","sentiment_score":0.01754730274634702,"channel":1,"num_words":14,"start":62.24,"end":65.78},{"sentences":[{"text":"That's no worries.","start":65.72,"end":66.78,"sentiment":"neutral","sentiment_score":0.13405069957176843},{"text":"While you're grabbing your computer there, I'll kinda let you know what's been sent your way.","start":67.56,"end":72.375,"sentiment":"neutral","sentiment_score":0.17134943045675755},{"text":"So there's the usual summary of your super and insurances coming through, bit of an updated performance report, certificate for your insurance policy itself, and just some updated services guides with Oak","start":72.535,"end":84.87,"sentiment":"neutral","sentiment_score":0.11285227071493864}],"sentiment":"neutral","sentiment_score":0.132451287233362,"channel":0,"num_words":51,"start":65.72,"end":84.87},{"sentences":[{"text":"No worries.","start":86.765,"end":87.505005,"sentiment":"neutral","sentiment_score":0.07062595337629318}],"sentiment":"neutral","sentiment_score":0.07062595337629318,"channel":1,"num_words":2,"start":86.765,"end":87.505005},{"sentences":[{"text":"Financial.","start":87.75,"end":88.25,"sentiment":"neutral","sentiment_score":0.038236863911151886},{"text":"And, Steve, anything in particular you're hoping to get out of this year's review?","start":88.47,"end":92.090004,"sentiment":"neutral","sentiment_score":0.0673489977738687}],"sentiment":"neutral","sentiment_score":0.06540818884968758,"channel":0,"num_words":15,"start":87.75,"end":92.090004},{"sentences":[{"text":"It's just a matter of how we're tracking and everything else.","start":98.51,"end":101.310005,"sentiment":"neutral","sentiment_score":0.05827232263982296},{"text":"That's all.","start":101.310005,"end":102.05,"sentiment":"neutral","sentiment_score":0.08630602806806564}],"sentiment":"neutral","sentiment_score":0.06258520039801414,"channel":1,"num_words":13,"start":98.51,"end":102.05},{"sentences":[{"text":"Yep.","start":102.325005,"end":102.725,"sentiment":"neutral","sentiment_score":0.07762330770492554},{"text":"No worries.","start":102.725,"end":103.385,"sentiment":"neutral","sentiment_score":0.0533393956720829},{"text":"There's a few things I wanted to run through with you today, mainly just around insurance pricing and portfolios within your Netwealth account.","start":103.765,"end":111.33,"sentiment":"neutral","sentiment_score":0.02948426107025665},{"text":"There's obviously been a few things going on with Iran, and we've made some changes to your account.","start":111.810005,"end":117.35,"sentiment":"neutral","sentiment_score":-0.06914074449903435},{"text":"While you're grabbing that email up, do you recall receiving maybe a few months ago a record of advice from us?","start":118.130005,"end":124.515,"sentiment":"neutral","sentiment_score":0.016511883586645126}],"sentiment":"neutral","sentiment_score":-0.0005437498768934837,"channel":0,"num_words":65,"start":102.325005,"end":124.515},{"sentences":[{"text":"Maybe I because I put everything into the folder anyway, so I probably got one there.","start":127.13,"end":132.745,"sentiment":"neutral","sentiment_score":0.0017172802472487092}],"sentiment":"neutral","sentiment_score":0.0017172802472487092,"channel":1,"num_words":16,"start":127.13,"end":132.745},{"sentences":[{"text":"Okay.","start":132.995,"end":133.395,"sentiment":"positive","sentiment_score":0.3387717604637146},{"text":"Cool.","start":133.395,"end":133.715,"sentiment":"positive","sentiment_score":0.5081682205200195},{"text":"Cool.","start":133.715,"end":133.955,"sentiment":"positive","sentiment_score":0.39852991700172424},{"text":"So when you grab that email up from us, there's a I'm not sure if you used our new system before, but we've got a custom built CRM for all of your details for your LinkedIn, and it does include, like, a bit of a DocuSign feature.","start":133.955,"end":146.37,"sentiment":"neutral","sentiment_score":0.17343161714837907},{"text":"But what I want you to do, if you can, is if you hit the purple sign button, it'll bring open the six documents to run through with me, and just make sure you're comfortable with it before you sign anything.","start":146.59,"end":156.345,"sentiment":"neutral","sentiment_score":0.15947598491500065}],"sentiment":"neutral","sentiment_score":0.17511287126894837,"channel":0,"num_words":91,"start":132.995,"end":156.345},{"sentences":[{"text":"Yeah.","start":166.655,"end":166.975,"sentiment":"neutral","sentiment_score":0.0781656801700592},{"text":"Still logged in anything else in it.","start":166.975,"end":168.83499,"sentiment":"neutral","sentiment_score":0.04400538759572165}],"sentiment":"neutral","sentiment_score":0.04827542416751385,"channel":1,"num_words":8,"start":166.655,"end":168.83499},{"sentences":[{"text":"No.","start":169.3,"end":169.38,"sentiment":"neutral","sentiment_score":0.01644863933324814},{"text":"You're alright, man.","start":169.38,"end":170.28,"sentiment":"neutral","sentiment_score":0.12622042496999106},{"text":"And just while you're doing that, I'm gonna bring open your Netwealth account live as well just so I can get you sort of today's balance.","start":174.74,"end":180.55501,"sentiment":"neutral","sentiment_score":0.1590641112281726}],"sentiment":"neutral","sentiment_score":0.1510258935391903,"channel":0,"num_words":30,"start":169.3,"end":180.55501},{"sentences":[{"text":"Yep.","start":181.62,"end":182.12,"sentiment":"neutral","sentiment_score":0.140032559633255},{"text":"Okay.","start":182.18,"end":182.57999,"sentiment":"neutral","sentiment_score":0.17088942229747772},{"text":"I'll put you here, Tommy.","start":182.57999,"end":183.87999,"sentiment":"neutral","sentiment_score":0.18945843279361724}],"sentiment":"neutral","sentiment_score":0.17974487798554556,"channel":1,"num_words":7,"start":181.62,"end":183.87999},{"sentences":[{"text":"Beautiful.","start":184.855,"end":185.355,"sentiment":"positive","sentiment_score":0.5664904117584229},{"text":"You should see a first document when you open it up will be super insurance","start":186.135,"end":190.795,"sentiment":"neutral","sentiment_score":0.24525161782900493}],"sentiment":"neutral","sentiment_score":0.26532904244959354,"channel":0,"num_words":16,"start":184.855,"end":190.795},{"sentences":[{"text":"Alright.","start":192.75499,"end":193.075,"sentiment":"neutral","sentiment_score":0.09139668941497804},{"text":"Hang on for a minute.","start":193.075,"end":193.955,"sentiment":"neutral","sentiment_score":0.04435541853308678},{"text":"I'll put that.","start":193.955,"end":194.775,"sentiment":"neutral","sentiment_score":0.05171438058217367},{"text":"Let's see.","start":195.235,"end":196.055,"sentiment":"neutral","sentiment_score":0.04728412814438343}],"sentiment":"neutral","sentiment_score":0.05117138001051816,"channel":1,"num_words":11,"start":192.75499,"end":196.055},{"sentences":[{"text":"summary.","start":201.64,"end":202.14,"sentiment":"neutral","sentiment_score":0.038622260093688965}],"sentiment":"neutral","sentiment_score":0.038622260093688965,"channel":0,"num_words":1,"start":201.64,"end":202.14},{"sentences":[{"text":"Alright.","start":214.42,"end":214.65999,"sentiment":"neutral","sentiment_score":0.03851979970932007},{"text":"Do I gotta click on oh, click on.","start":214.65999,"end":217.06,"sentiment":"neutral","sentiment_score":0.006626174435950816},{"text":"Sorry.","start":217.06,"end":217.56,"sentiment":"neutral","sentiment_score":-0.07388731837272644},{"text":"Tell me yet.","start":217.7,"end":218.565,"sentiment":"neutral","sentiment_score":-0.05891689037283262},{"text":"Yep.","start":218.565,"end":219.065,"sentiment":"neutral","sentiment_score":0.021440304815769196}],"sentiment":"neutral","sentiment_score":-0.009833463534180607,"channel":1,"num_words":14,"start":214.42,"end":219.065},{"sentences":[{"text":"Yeah.","start":220.17,"end":220.40999,"sentiment":"neutral","sentiment_score":0.03540607541799545},{"text":"So when you open up the email, there'll be, like, a purple sign button, and it sort of brings you into the software link.","start":220.40999,"end":226.43,"sentiment":"neutral","sentiment_score":0.03594668170747658}],"sentiment":"neutral","sentiment_score":0.03592505745589733,"channel":0,"num_words":25,"start":220.17,"end":226.43},{"sentences":[{"text":"Alright.","start":229.125,"end":229.625,"sentiment":"neutral","sentiment_score":0.026349693536758423},{"text":"Is that purple?","start":229.685,"end":230.405,"sentiment":"neutral","sentiment_score":0.009300095650056997},{"text":"Yeah.","start":230.405,"end":230.645,"sentiment":"neutral","sentiment_score":-0.020617155358195305},{"text":"It looks like black and white, don't","start":230.645,"end":232.345,"sentiment":"neutral","sentiment_score":-0.030591100986514772}],"sentiment":"neutral","sentiment_score":-0.015042073481405774,"channel":1,"num_words":12,"start":229.125,"end":232.345},{"sentences":[{"text":"Alright.","start":233.04999,"end":233.54999,"sentiment":"neutral","sentiment_score":0.024689193814992905},{"text":"And the first one that pops up should have, like, a overview letterhead at the top, and it should say summary of Super Insurance.","start":235.755,"end":241.13501,"sentiment":"neutral","sentiment_score":0.08112337129811446}],"sentiment":"neutral","sentiment_score":0.0788660041987896,"channel":0,"num_words":25,"start":233.04999,"end":241.13501},{"sentences":[{"text":"Hang on.","start":247.765,"end":248.405,"sentiment":"neutral","sentiment_score":0.025746367871761322},{"text":"Yeah.","start":248.405,"end":248.885,"sentiment":"neutral","sentiment_score":0.0583309531211853},{"text":"Okay.","start":248.885,"end":249.385,"sentiment":"neutral","sentiment_score":0.06614506244659424},{"text":"Alright.","start":249.845,"end":250.345,"sentiment":"neutral","sentiment_score":0.08857451379299164},{"text":"So, yeah, I've opened it up.","start":250.485,"end":251.925,"sentiment":"neutral","sentiment_score":0.1043572686612606}],"sentiment":"neutral","sentiment_score":0.08097153427925977,"channel":1,"num_words":11,"start":247.765,"end":251.925},{"sentences":[{"text":"Summary.","start":251.925,"end":252.425,"sentiment":"neutral","sentiment_score":0.10361787676811218},{"text":"Superannuation insurance.","start":252.645,"end":255.465,"sentiment":"neutral","sentiment_score":0.10224617272615433},{"text":"Yes?","start":255.525,"end":256.025,"sentiment":"neutral","sentiment_score":0.125532329082489}],"sentiment":"neutral","sentiment_score":0.10841063782572746,"channel":1,"num_words":4,"start":251.925,"end":256.025},{"sentences":[{"text":"Beautiful.","start":256.42,"end":256.92,"sentiment":"positive","sentiment_score":0.4814801812171936},{"text":"So those will be the two main accounts to talk about today outside of any 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document.","start":270.255,"end":275.54,"sentiment":"neutral","sentiment_score":0.021679733144609553}],"sentiment":"neutral","sentiment_score":0.021679733144609553,"channel":0,"num_words":19,"start":270.255,"end":275.54},{"sentences":[{"text":"Yes.","start":276.60498,"end":277.10498,"sentiment":"neutral","sentiment_score":0.12245768308639526}],"sentiment":"neutral","sentiment_score":0.12245768308639526,"channel":1,"num_words":1,"start":276.60498,"end":277.10498},{"sentences":[{"text":"Yep.","start":277.36002,"end":277.68,"sentiment":"neutral","sentiment_score":0.1669144630432129},{"text":"So if you just pop through to the next one, you'll see a Vanguard chart, big red doc big red banner there.","start":277.68,"end":282.8,"sentiment":"neutral","sentiment_score":0.1390786865218119},{"text":"And I just want you to skip past that one to the asset performance detail.","start":282.8,"end":287.065,"sentiment":"neutral","sentiment_score":0.10398049702246984},{"text":"And it's a huge table with Netwealth with about 400 figures on there.","start":288.24503,"end":293.285,"sentiment":"neutral","sentiment_score":0.1625238204231629},{"text":"It is a bit large, but it's your portfolio breakdown.","start":293.285,"end":296.505,"sentiment":"neutral","sentiment_score":0.06434224359691143}],"sentiment":"neutral","sentiment_score":0.12364893644803861,"channel":0,"num_words":61,"start":277.36002,"end":296.505},{"sentences":[{"text":"Okay.","start":297.5,"end":297.82,"sentiment":"neutral","sentiment_score":0.07759198546409607},{"text":"So you want me to go to the third 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logo asset performance.","start":304.27002,"end":307.65002,"sentiment":"neutral","sentiment_score":0.08235552161931992}],"sentiment":"neutral","sentiment_score":0.08235552161931992,"channel":0,"num_words":8,"start":304.27002,"end":307.65002},{"sentences":[{"text":"Yeah.","start":308.555,"end":308.79498,"sentiment":"neutral","sentiment_score":0.1297816038131714},{"text":"Copy that.","start":308.79498,"end":309.615,"sentiment":"neutral","sentiment_score":0.2767615467309952}],"sentiment":"neutral","sentiment_score":0.22776823242505392,"channel":1,"num_words":3,"start":308.555,"end":309.615},{"sentences":[{"text":"Cool.","start":310.11002,"end":310.43002,"sentiment":"positive","sentiment_score":0.4522150456905365},{"text":"So with your super, you're in a pretty sort of high growth portfolio.","start":310.43002,"end":313.89,"sentiment":"neutral","sentiment_score":0.3300611021427008},{"text":"Basically, everything is invested in growth assets between shares, property, gold, and so on.","start":314.27002,"end":318.98502,"sentiment":"neutral","sentiment_score":0.20985703489610127},{"text":"Very little is in the defensive side.","start":319.285,"end":321.385,"sentiment":"neutral","sentiment_score":0.0314217135310173},{"text":"Obviously, the whole point of that, get your high long term returns.","start":321.525,"end":324.42502,"sentiment":"neutral","sentiment_score":0.2642691433429718}],"sentiment":"neutral","sentiment_score":0.2355785016366776,"channel":0,"num_words":47,"start":310.11002,"end":324.42502},{"sentences":[{"text":"One part I wanted to discuss with you today is at what point do we reduce the risk level down.","start":325.045,"end":330.345,"sentiment":"neutral","sentiment_score":0.034811219573020934},{"text":"But before I jump into that risk discussion, I just wanna let you know what that record of advice was that you 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are","start":536.02997,"end":542.285,"sentiment":"neutral","sentiment_score":-0.02837317915899413}],"sentiment":"neutral","sentiment_score":-0.05377620343978588,"channel":0,"num_words":26,"start":531.63,"end":542.285},{"sentences":[{"text":"Yep.","start":542.21,"end":542.71,"sentiment":"neutral","sentiment_score":-0.00969160906970501}],"sentiment":"neutral","sentiment_score":-0.00969160906970501,"channel":1,"num_words":1,"start":542.21,"end":542.71},{"sentences":[{"text":"your thoughts on the next sort of seven years or so with your trajectory?","start":542.285,"end":545.665,"sentiment":"neutral","sentiment_score":-0.029730146218623434}],"sentiment":"neutral","sentiment_score":-0.029730146218623434,"channel":0,"num_words":14,"start":542.285,"end":545.665},{"sentences":[{"text":"Yeah.","start":548.345,"end":548.665,"sentiment":"neutral","sentiment_score":-0.0039850398898124695},{"text":"No.","start":548.665,"end":548.90497,"sentiment":"neutral","sentiment_score":-0.09242001175880432},{"text":"It's probably still the same, mate.","start":548.90497,"end":550.76495,"sentiment":"neutral","sentiment_score":-0.032638069242239},{"text":"Yeah.","start":552.665,"end":552.985,"sentiment":"neutral","sentiment_score":0.015622269362211227},{"text":"I just need to get get it up there, you know, for when I do retire.","start":552.985,"end":560.925,"sentiment":"neutral","sentiment_score":-0.036642951890826225}],"sentiment":"neutral","sentiment_score":-0.03451593711972237,"channel":1,"num_words":25,"start":548.345,"end":560.925},{"sentences":[{"text":"Yep.","start":561.82,"end":562.32,"sentiment":"neutral","sentiment_score":0.16131800413131714}],"sentiment":"neutral","sentiment_score":0.16131800413131714,"channel":0,"num_words":1,"start":561.82,"end":562.32},{"sentences":[{"text":"Yeah.","start":561.89,"end":562.21,"sentiment":"neutral","sentiment_score":0.25288891792297363},{"text":"So I can just live comfortable.","start":562.21,"end":563.99,"sentiment":"positive","sentiment_score":0.3465371976296107}],"sentiment":"neutral","sentiment_score":0.333158871957234,"channel":1,"num_words":7,"start":561.89,"end":563.99},{"sentences":[{"text":"So the the couple of options we've got, if we stay high growth, we're obviously gonna get some really good long term returns over a seven to ten year period, and it's","start":564.94,"end":573.815,"sentiment":"positive","sentiment_score":0.3675167867913842}],"sentiment":"positive","sentiment_score":0.3675167867913842,"channel":0,"num_words":32,"start":564.94,"end":573.815},{"sentences":[{"text":"Yep.","start":573.81,"end":574.31,"sentiment":"neutral","sentiment_score":0.24793998897075653}],"sentiment":"neutral","sentiment_score":0.24793998897075653,"channel":1,"num_words":1,"start":573.81,"end":574.31},{"sentences":[{"text":"gonna really sort of soar the super up.","start":573.815,"end":575.755,"sentiment":"positive","sentiment_score":0.37247124314308167},{"text":"Because you've got close to $300 now, when there's that 10% up or down, your super is gonna be jumping up and down 25 to $50,000 compared to that young kid that's got $30, and it goes up one or two.","start":576.535,"end":590.70996,"sentiment":"neutral","sentiment_score":0.15104843539799132},{"text":"Do you know what I mean?","start":590.70996,"end":591.76996,"sentiment":"neutral","sentiment_score":0.01848775955537955},{"text":"So this is kind of your last period to get those really good returns and kind of finish off building the the amount that you need for the","start":593.43,"end":600.405,"sentiment":"neutral","sentiment_score":0.31354737068925587}],"sentiment":"neutral","sentiment_score":0.21762661124209323,"channel":0,"num_words":83,"start":573.815,"end":600.405},{"sentences":[{"text":"Yes.","start":600.35004,"end":600.85004,"sentiment":"neutral","sentiment_score":0.2148973047733307}],"sentiment":"neutral","sentiment_score":0.2148973047733307,"channel":1,"num_words":1,"start":600.35004,"end":600.85004},{"sentences":[{"text":"retirement goal.","start":600.565,"end":601.385,"sentiment":"neutral","sentiment_score":0.20171239972114563},{"text":"The question becomes, normally, for high growth, we usually wanna have around nine to ten years to invest in that risk level so that if the market crashes, you've got enough time to get the return target that we're after.","start":603.205,"end":615.77997,"sentiment":"neutral","sentiment_score":0.04717162479646504},{"text":"The risk is if we stay in it, that it may delay your retirement by a year or two waiting for the market to bounce back if it crashes.","start":616.16,"end":623.3,"sentiment":"neutral","sentiment_score":-0.21809271466115426}],"sentiment":"neutral","sentiment_score":-0.05682252019538846,"channel":0,"num_words":71,"start":600.565,"end":623.3},{"sentences":[{"text":"Yeah.","start":625.95,"end":626.27,"sentiment":"neutral","sentiment_score":0.07940085232257843},{"text":"Right.","start":626.27,"end":626.58997,"sentiment":"neutral","sentiment_score":0.1077706813812256},{"text":"Okay.","start":626.58997,"end":627.08997,"sentiment":"neutral","sentiment_score":0.13427916169166565}],"sentiment":"neutral","sentiment_score":0.10715023179848988,"channel":1,"num_words":3,"start":625.95,"end":627.08997},{"sentences":[{"text":"So the alternative is so we can stay in there, get as much growth as we can.","start":627.76,"end":632.815,"sentiment":"neutral","sentiment_score":0.18792564443805637},{"text":"It may delay things by a year or two if the world explodes, or we could maybe drop down to a four out of five on the risk scale and maybe put some extra contributions in, whatever kind of works for you.","start":632.815,"end":645.7,"sentiment":"neutral","sentiment_score":-0.06183633084098498},{"text":"I just wanted to wrap it by you.","start":645.7,"end":647.48004,"sentiment":"neutral","sentiment_score":0.1593929324299097}],"sentiment":"neutral","sentiment_score":0.027951545068132345,"channel":0,"num_words":67,"start":627.76,"end":647.48004},{"sentences":[{"text":"Yeah.","start":648.45996,"end":648.77997,"sentiment":"neutral","sentiment_score":0.08228658884763718},{"text":"No.","start":648.77997,"end":649.01996,"sentiment":"neutral","sentiment_score":0.0025339722633361816},{"text":"That's all.","start":649.01996,"end":649.57996,"sentiment":"neutral","sentiment_score":0.038623977452516556},{"text":"That's what come over to you, Blake, anyway, to steer me in the right direction.","start":649.57996,"end":656.86,"sentiment":"neutral","sentiment_score":0.2777644366025925},{"text":"So to make","start":656.86,"end":658.355,"sentiment":"neutral","sentiment_score":0.07855388522148132}],"sentiment":"neutral","sentiment_score":0.20746348730542444,"channel":1,"num_words":22,"start":648.45996,"end":658.355},{"sentences":[{"text":"Yeah.","start":657.86005,"end":658.095,"sentiment":"neutral","sentiment_score":0.04121839255094528}],"sentiment":"neutral","sentiment_score":0.04121839255094528,"channel":0,"num_words":1,"start":657.86005,"end":658.095},{"sentences":[{"text":"me decisions.","start":659.135,"end":659.695,"sentiment":"neutral","sentiment_score":0.06851273402571678},{"text":"You know what I mean?","start":659.695,"end":660.835,"sentiment":"neutral","sentiment_score":0.03941415101289749}],"sentiment":"neutral","sentiment_score":0.047728031873703,"channel":1,"num_words":7,"start":659.135,"end":660.835},{"sentences":[{"text":"Yeah.","start":661.13495,"end":661.63495,"sentiment":"neutral","sentiment_score":0.09876193851232529},{"text":"So do you think that based on and I'll update a couple of details in a second with you.","start":661.77496,"end":668.095,"sentiment":"neutral","sentiment_score":0.1526501139527873},{"text":"But just in terms of your cash flow, would you be able to look at a bit of salary sacrifice, $50 a week, a $100 a week, something like that to to get it going and reduce the risk level down?","start":668.095,"end":678.66,"sentiment":"neutral","sentiment_score":0.08052614940012373},{"text":"How's your cash flow at the moment?","start":678.66,"end":680.27997,"sentiment":"neutral","sentiment_score":0.007283992899049606}],"sentiment":"neutral","sentiment_score":0.09340697322520153,"channel":0,"num_words":68,"start":661.13495,"end":680.27997},{"sentences":[{"text":"Alright.","start":681.33997,"end":681.66,"sentiment":"neutral","sentiment_score":0.006611823104321957},{"text":"No.","start":681.66,"end":681.89996,"sentiment":"neutral","sentiment_score":-0.10073798894882202},{"text":"That's alright.","start":681.89996,"end":682.54,"sentiment":"neutral","sentiment_score":-0.020018122158944607},{"text":"Yeah.","start":682.54,"end":682.86,"sentiment":"neutral","sentiment_score":0.16584166884422302},{"text":"I could probably do that.","start":682.86,"end":683.955,"sentiment":"neutral","sentiment_score":0.16544432789087296}],"sentiment":"neutral","sentiment_score":0.08589008981361985,"channel":1,"num_words":10,"start":681.33997,"end":683.955},{"sentences":[{"text":"K.","start":684.89996,"end":685.22,"sentiment":"neutral","sentiment_score":0.02760217152535915},{"text":"Because you're on was it about a 100,000 or you'd be a bit bit above that now?","start":685.22,"end":689.835,"sentiment":"neutral","sentiment_score":0.012567628805032548}],"sentiment":"neutral","sentiment_score":0.013402881178384026,"channel":0,"num_words":18,"start":684.89996,"end":689.835},{"sentences":[{"text":"Yeah.","start":690.275,"end":690.59503,"sentiment":"neutral","sentiment_score":0.023035304620862007},{"text":"A little bit of a about that now.","start":690.59503,"end":692.03503,"sentiment":"neutral","sentiment_score":0.01694646291434765},{"text":"Yeah.","start":692.03503,"end":692.53503,"sentiment":"neutral","sentiment_score":0.05979878455400467}],"sentiment":"neutral","sentiment_score":0.021840579248964785,"channel":1,"num_words":10,"start":690.275,"end":692.53503},{"sentences":[{"text":"K.","start":693.11505,"end":693.515,"sentiment":"neutral","sentiment_score":0.04774467647075653},{"text":"So because you're in that tax bracket, let's say for every $100 you put in, it probably costs you about 67 in the pocket because it goes in pretax.","start":693.515,"end":703.83,"sentiment":"neutral","sentiment_score":0.0567122338146999}],"sentiment":"neutral","sentiment_score":0.05641331523656845,"channel":0,"num_words":30,"start":693.11505,"end":703.83},{"sentences":[{"text":"Right.","start":704.7,"end":705.2,"sentiment":"neutral","sentiment_score":0.14883920550346377}],"sentiment":"neutral","sentiment_score":0.14883920550346377,"channel":1,"num_words":1,"start":704.7,"end":705.2},{"sentences":[{"text":"So I just wanna be guided by you in terms of budget.","start":705.91003,"end":709.45,"sentiment":"neutral","sentiment_score":0.3008287747701009},{"text":"And bear in mind, you can access a bit of your super back at 60, but you still are focusing on your mortgage repayments and things like that.","start":709.67004,"end":717.59,"sentiment":"neutral","sentiment_score":0.2413933960986989},{"text":"So we wanna kind of do a bit of both.","start":717.59,"end":719.695,"sentiment":"neutral","sentiment_score":0.2849611595273018}],"sentiment":"neutral","sentiment_score":0.26437143966555593,"channel":0,"num_words":50,"start":705.91003,"end":719.695},{"sentences":[{"text":"Yeah.","start":720.41504,"end":720.91504,"sentiment":"neutral","sentiment_score":0.1316680908203125}],"sentiment":"neutral","sentiment_score":0.1316680908203125,"channel":1,"num_words":1,"start":720.41504,"end":720.91504},{"sentences":[{"text":"What would be a a comfortable amount to start with, do you think?","start":720.635,"end":723.935,"sentiment":"neutral","sentiment_score":0.15517065616754386}],"sentiment":"neutral","sentiment_score":0.15517065616754386,"channel":0,"num_words":13,"start":720.635,"end":723.935},{"sentences":[{"text":"Yeah.","start":726.30005,"end":726.78,"sentiment":"neutral","sentiment_score":0.10324600338935852},{"text":"Well, alright.","start":726.78,"end":727.92004,"sentiment":"neutral","sentiment_score":0.12949219718575478},{"text":"Because I get paid monthly now.","start":730.46,"end":732.16003,"sentiment":"neutral","sentiment_score":0.14325279742479324},{"text":"Oh,","start":732.7,"end":732.82,"sentiment":"neutral","sentiment_score":0.14106974005699158}],"sentiment":"neutral","sentiment_score":0.13628169223666192,"channel":1,"num_words":10,"start":726.30005,"end":732.82},{"sentences":[{"text":"Okay.","start":732.795,"end":733.295,"sentiment":"neutral","sentiment_score":0.15404030680656433}],"sentiment":"neutral","sentiment_score":0.15404030680656433,"channel":0,"num_words":1,"start":732.795,"end":733.295},{"sentences":[{"text":"I have been well.","start":732.82,"end":734.24005,"sentiment":"neutral","sentiment_score":0.20094088464975357},{"text":"What what I have been doing, I've been just smashing out me the home loan anyway.","start":735.5,"end":741.875,"sentiment":"neutral","sentiment_score":0.07908863993361592}],"sentiment":"neutral","sentiment_score":0.10345908887684345,"channel":1,"num_words":20,"start":732.82,"end":741.875},{"sentences":[{"text":"Right.","start":743.0,"end":743.5,"sentiment":"neutral","sentiment_score":0.026302766054868695},{"text":"Offset account or extra repayments?","start":744.12,"end":746.46,"sentiment":"neutral","sentiment_score":0.025785483047366144}],"sentiment":"neutral","sentiment_score":0.0258716968819499,"channel":0,"num_words":6,"start":743.0,"end":746.46},{"sentences":[{"text":"I x-ray payments.","start":747.375,"end":748.515,"sentiment":"neutral","sentiment_score":0.0450215054055055}],"sentiment":"neutral","sentiment_score":0.0450215054055055,"channel":1,"num_words":3,"start":747.375,"end":748.515},{"sentences":[{"text":"Cool.","start":750.21497,"end":750.535,"sentiment":"neutral","sentiment_score":0.1498873233795166},{"text":"Okay.","start":750.535,"end":751.035,"sentiment":"neutral","sentiment_score":0.07567693293094635},{"text":"What's the home loan sitting at at the moment?","start":751.495,"end":753.175,"sentiment":"neutral","sentiment_score":0.02381428165568246},{"text":"I think last check was 600,000.","start":753.175,"end":755.035,"sentiment":"neutral","sentiment_score":0.0011647017672657967}],"sentiment":"neutral","sentiment_score":0.026287117753835285,"channel":0,"num_words":17,"start":750.21497,"end":755.035},{"sentences":[{"text":"Yeah.","start":755.86,"end":756.18,"sentiment":"neutral","sentiment_score":0.04008550941944122},{"text":"Yeah.","start":756.18,"end":756.5,"sentiment":"neutral","sentiment_score":0.027109526097774506},{"text":"No.","start":756.5,"end":756.66,"sentiment":"neutral","sentiment_score":-0.04036734253168106},{"text":"That is correct.","start":756.66,"end":757.64,"sentiment":"neutral","sentiment_score":0.006759807467460632},{"text":"So I can't remember now.","start":760.02,"end":762.04,"sentiment":"neutral","sentiment_score":-0.05752018764615059}],"sentiment":"neutral","sentiment_score":-0.021863074803894215,"channel":1,"num_words":11,"start":755.86,"end":762.04},{"sentences":[{"text":"Because I've got well, I've actually got two home loans.","start":764.02,"end":767.625,"sentiment":"neutral","sentiment_score":0.019321335572749378},{"text":"One that me daughter's paying off, and","start":768.825,"end":771.965,"sentiment":"neutral","sentiment_score":0.041454873979091644}],"sentiment":"neutral","sentiment_score":0.028435145504772663,"channel":1,"num_words":17,"start":764.02,"end":771.965},{"sentences":[{"text":"Yeah.","start":771.71,"end":772.21,"sentiment":"neutral","sentiment_score":0.017588157206773758}],"sentiment":"neutral","sentiment_score":0.017588157206773758,"channel":0,"num_words":1,"start":771.71,"end":772.21},{"sentences":[{"text":"that that's around 400,000.","start":772.025,"end":773.785,"sentiment":"neutral","sentiment_score":0.040473340544849634},{"text":"And the one that is my main one that I look at, that that was 200,000, but I've got it down to I think it's a 150.","start":773.785,"end":785.06,"sentiment":"neutral","sentiment_score":0.0491326912133782}],"sentiment":"neutral","sentiment_score":0.04801535564324548,"channel":1,"num_words":31,"start":772.025,"end":785.06},{"sentences":[{"text":"Okay.","start":785.79504,"end":786.29504,"sentiment":"neutral","sentiment_score":0.10122543573379517}],"sentiment":"neutral","sentiment_score":0.10122543573379517,"channel":0,"num_words":1,"start":785.79504,"end":786.29504},{"sentences":[{"text":"So and that's the one I'm just concentrating at the moment on.","start":787.6,"end":790.74,"sentiment":"neutral","sentiment_score":0.18137173602978388},{"text":"Yeah.","start":794.16,"end":794.63995,"sentiment":"neutral","sentiment_score":0.08994868397712708},{"text":"Like like like I said, I've just been putting, you know, a couple of grand in each time every month to get that down.","start":794.63995,"end":803.135,"sentiment":"neutral","sentiment_score":0.0787230593462785}],"sentiment":"neutral","sentiment_score":0.11231791731473562,"channel":1,"num_words":37,"start":787.6,"end":803.135},{"sentences":[{"text":"Yep.","start":803.67004,"end":804.17004,"sentiment":"neutral","sentiment_score":0.2598627209663391},{"text":"Okay.","start":804.55005,"end":805.05005,"sentiment":"positive","sentiment_score":0.41414904594421387},{"text":"That works pretty good because I've got a few ideas here.","start":805.27,"end":812.475,"sentiment":"positive","sentiment_score":0.5896630639379675},{"text":"So","start":812.695,"end":813.195,"sentiment":"neutral","sentiment_score":0.2719455063343048}],"sentiment":"positive","sentiment_score":0.5308750697544643,"channel":0,"num_words":14,"start":803.67004,"end":813.195},{"sentences":[{"text":"Yeah.","start":812.97,"end":813.47,"sentiment":"neutral","sentiment_score":0.326793372631073}],"sentiment":"neutral","sentiment_score":0.326793372631073,"channel":1,"num_words":1,"start":812.97,"end":813.47},{"sentences":[{"text":"the mortgage is still a big priority, and knocking that off is gonna help retirement anyway, especially because obviously less you know, not having a mortgage repayment, don't need as much coming out of super to fund it.","start":813.495,"end":825.3,"sentiment":"neutral","sentiment_score":0.29999736010244016},{"text":"It's the same kind of thing.","start":825.3,"end":826.34,"sentiment":"neutral","sentiment_score":0.25132861236731213},{"text":"Right?","start":826.34,"end":826.84,"sentiment":"neutral","sentiment_score":0.13462068140506744},{"text":"Less expenses","start":826.98004,"end":827.72003,"sentiment":"neutral","sentiment_score":0.11680009961128235}],"sentiment":"neutral","sentiment_score":0.28247004763243044,"channel":0,"num_words":47,"start":813.495,"end":827.72003},{"sentences":[{"text":"Yep.","start":827.345,"end":827.845,"sentiment":"neutral","sentiment_score":0.1746080368757248}],"sentiment":"neutral","sentiment_score":0.1746080368757248,"channel":1,"num_words":1,"start":827.345,"end":827.845},{"sentences":[{"text":"versus more coming out.","start":827.78,"end":829.16003,"sentiment":"neutral","sentiment_score":0.0590460691601038},{"text":"We we had a pretty modest kind of retirement goal listed down, let's say, 500 a week after tax with possibly the mortgage paid off just to look after the expenses and things like that.","start":829.94,"end":843.175,"sentiment":"neutral","sentiment_score":0.17605605678898947},{"text":"Does that still sound about right?","start":843.175,"end":844.795,"sentiment":"neutral","sentiment_score":0.0955168145398299}],"sentiment":"neutral","sentiment_score":0.15491660336653393,"channel":0,"num_words":45,"start":827.78,"end":844.795},{"sentences":[{"text":"Yeah.","start":846.71,"end":847.19,"sentiment":"neutral","sentiment_score":0.12350141257047652},{"text":"I'll I'll try to.","start":847.19,"end":847.99,"sentiment":"neutral","sentiment_score":0.1445188708603382},{"text":"Yes.","start":847.99,"end":848.49,"sentiment":"neutral","sentiment_score":0.2545397877693176}],"sentiment":"neutral","sentiment_score":0.15935278063019118,"channel":1,"num_words":6,"start":846.71,"end":848.49},{"sentences":[{"text":"Cool.","start":849.335,"end":849.75,"sentiment":"positive","sentiment_score":0.3608620762825012},{"text":"So with with that figure, you only need somewhere between 250 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now.","start":879.45,"end":884.49,"sentiment":"neutral","sentiment_score":0.30742295185724894},{"text":"So you're actually getting pretty close.","start":884.49,"end":886.11,"sentiment":"neutral","sentiment_score":0.31356191138426465}],"sentiment":"neutral","sentiment_score":0.30917694029353915,"channel":0,"num_words":21,"start":879.45,"end":886.11},{"sentences":[{"text":"Right.","start":886.625,"end":887.125,"sentiment":"neutral","sentiment_score":0.13852904736995697}],"sentiment":"neutral","sentiment_score":0.13852904736995697,"channel":1,"num_words":1,"start":886.625,"end":887.125},{"sentences":[{"text":"So what we should probably do then is rather than the salary sacrificing, I think the biggest risk that you face is, again, that market crash.","start":887.52997,"end":896.81494,"sentiment":"neutral","sentiment_score":-0.2593731966156226},{"text":"If if the stock market completely wipes out 50%,","start":896.81494,"end":899.71497,"sentiment":"negative","sentiment_score":-0.34223006665706635}],"sentiment":"neutral","sentiment_score":-0.28067924891199386,"channel":0,"num_words":35,"start":887.52997,"end":899.71497},{"sentences":[{"text":"Yep.","start":900.01,"end":900.51,"sentiment":"neutral","sentiment_score":-0.2129606306552887}],"sentiment":"neutral","sentiment_score":-0.2129606306552887,"channel":1,"num_words":1,"start":900.01,"end":900.51},{"sentences":[{"text":"you're delaying your retirement by at least two years.","start":900.01495,"end":902.51495,"sentiment":"negative","sentiment_score":-0.4407288034756978}],"sentiment":"negative","sentiment_score":-0.4407288034756978,"channel":0,"num_words":9,"start":900.01495,"end":902.51495},{"sentences":[{"text":"Right.","start":903.05005,"end":903.55005,"sentiment":"neutral","sentiment_score":0.04102878272533417}],"sentiment":"neutral","sentiment_score":0.04102878272533417,"channel":1,"num_words":1,"start":903.05005,"end":903.55005},{"sentences":[{"text":"So what I can do is you keep focusing on the mortgage.","start":903.69495,"end":906.79004,"sentiment":"neutral","sentiment_score":0.19425812487800917},{"text":"We can reduce the risk level down one peg to start with from a high growth to a growth.","start":907.17,"end":911.91003,"sentiment":"neutral","sentiment_score":0.22567717417290337},{"text":"We'll still 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risk level down a little bit.","start":946.755,"end":948.855,"sentiment":"neutral","sentiment_score":0.30246196190516156},{"text":"And then once we hit 60, we'll do a couple of extra strategies there and maybe revisit some contributions 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the other thing we can do too is I wanna kind of look at reducing costs a little bit.","start":978.205,"end":983.345,"sentiment":"neutral","sentiment_score":0.20519072860479354},{"text":"On that email, if you can go to the next document, I just wanna quickly touch on your insurances for a moment.","start":983.725,"end":990.93005,"sentiment":"neutral","sentiment_score":0.1205343096093698},{"text":"It's a","start":991.67004,"end":992.15,"sentiment":"neutral","sentiment_score":0.036785583943128586}],"sentiment":"neutral","sentiment_score":0.1552077398042787,"channel":0,"num_words":44,"start":978.205,"end":992.15},{"sentences":[{"text":"H4.","start":992.135,"end":992.875,"sentiment":"neutral","sentiment_score":0.0357370525598526}],"sentiment":"neutral","sentiment_score":0.0357370525598526,"channel":1,"num_words":1,"start":992.135,"end":992.875},{"sentences":[{"text":"green yeah.","start":992.15,"end":993.51,"sentiment":"neutral","sentiment_score":0.03737735562026501},{"text":"It's a 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my thing, but she's paying the majority of the other one, so which is around 400,000.","start":1365.1499,"end":1372.13,"sentiment":"neutral","sentiment_score":-0.00402762319016106}],"sentiment":"neutral","sentiment_score":-0.00402762319016106,"channel":1,"num_words":17,"start":1365.1499,"end":1372.13},{"sentences":[{"text":"Cool.","start":1372.7351,"end":1373.1,"sentiment":"neutral","sentiment_score":0.1404372602701187}],"sentiment":"neutral","sentiment_score":0.1404372602701187,"channel":0,"num_words":1,"start":1372.7351,"end":1373.1},{"sentences":[{"text":"Might be a little bit less than that, but they they've gotta pay that.","start":1373.63,"end":1378.005,"sentiment":"neutral","sentiment_score":-0.06186154138829027},{"text":"Right?","start":1378.005,"end":1378.485,"sentiment":"neutral","sentiment_score":0.018400736153125763},{"text":"And I've got the second one, which is I call it my one 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plan, mate.","start":1421.89,"end":1423.25,"sentiment":"positive","sentiment_score":0.5565189222494761},{"text":"Yeah.","start":1423.25,"end":1423.75,"sentiment":"positive","sentiment_score":0.41146206855773926},{"text":"Yes.","start":1423.8099,"end":1424.3099,"sentiment":"positive","sentiment_score":0.5112558603286743}],"sentiment":"positive","sentiment_score":0.5327289327979088,"channel":1,"num_words":8,"start":1421.89,"end":1424.3099},{"sentences":[{"text":"Cool.","start":1425.695,"end":1426.0149,"sentiment":"positive","sentiment_score":0.6826959848403931},{"text":"Okay.","start":1426.0149,"end":1426.5149,"sentiment":"positive","sentiment_score":0.5981040000915527},{"text":"I've got that noted down, and that's cool.","start":1427.3601,"end":1429.04,"sentiment":"positive","sentiment_score":0.6531534269452095},{"text":"So that one's actually been built and and moved in and everything, so I'll put that as a goal 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market,","start":1451.775,"end":1455.4099,"sentiment":"neutral","sentiment_score":0.3012567460536957}],"sentiment":"neutral","sentiment_score":0.29124067645323903,"channel":0,"num_words":19,"start":1447.935,"end":1455.4099},{"sentences":[{"text":"Right.","start":1455.4126,"end":1455.9126,"sentiment":"neutral","sentiment_score":0.1777483969926834}],"sentiment":"neutral","sentiment_score":0.1777483969926834,"channel":1,"num_words":1,"start":1455.4126,"end":1455.9126},{"sentences":[{"text":"dual living, that kind of thing.","start":1455.6299,"end":1457.33,"sentiment":"neutral","sentiment_score":0.21491090456644693},{"text":"And they're reminded to us as just a flag with clients to make sure you've got, like, financial agreements in place or something in writing so that it makes sense where it's going to.","start":1457.5499,"end":1467.5499,"sentiment":"neutral","sentiment_score":0.1960708163678646},{"text":"Obviously, I know you trust your daughter.","start":1467.5499,"end":1469.07,"sentiment":"neutral","sentiment_score":0.16503830466951644},{"text":"You list her as your beneficiary, but I just","start":1469.07,"end":1471.4349,"sentiment":"neutral","sentiment_score":0.18794571691089207}],"sentiment":"neutral","sentiment_score":0.19290451372840575,"channel":0,"num_words":56,"start":1455.6299,"end":1471.4349},{"sentences":[{"text":"Yep.","start":1471.295,"end":1471.795,"sentiment":"neutral","sentiment_score":0.1984860748052597}],"sentiment":"neutral","sentiment_score":0.1984860748052597,"channel":1,"num_words":1,"start":1471.295,"end":1471.795},{"sentences":[{"text":"wanted to flag that as a you know, it's part of the estate planning side of 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then?","start":1478.5701,"end":1480.27,"sentiment":"neutral","sentiment_score":0.022825737483799458}],"sentiment":"neutral","sentiment_score":0.022825737483799458,"channel":1,"num_words":8,"start":1478.5701,"end":1480.27},{"sentences":[{"text":"So some people do a thing where they'll have an agreement for the the children to pay off the main home, and then they can actually sort of pay to to buy it kind of thing, and that's essentially their inheritance.","start":1481.0349,"end":1492.19,"sentiment":"neutral","sentiment_score":0.1034749303830833},{"text":"So I know some people where they've got one set of children that are helping, another set of children who are off, and they go as part of your inheritance, you're gonna buy me out this part of the property, and then you're covered here.","start":1492.8099,"end":1504.875,"sentiment":"neutral","sentiment_score":0.10175069189733929},{"text":"And then for the other children, I'm gonna set aside 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could pop out of the woodworks.","start":1515.77,"end":1516.99,"sentiment":"negative","sentiment_score":-0.4355584383010864}],"sentiment":"negative","sentiment_score":-0.4355584383010864,"channel":0,"num_words":7,"start":1515.77,"end":1516.99},{"sentences":[{"text":"No.","start":1517.55,"end":1517.79,"sentiment":"neutral","sentiment_score":-0.28237318992614746},{"text":"No.","start":1517.79,"end":1518.03,"sentiment":"neutral","sentiment_score":-0.26904231309890747},{"text":"It's just just me daughter.","start":1518.03,"end":1519.655,"sentiment":"neutral","sentiment_score":-0.17339861690998076},{"text":"I do have a stepson, though, but we've we've already helped him out, and he's happy with what he's 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still thinking of one day getting the the old RV as well?","start":1544.6699,"end":1549.09,"sentiment":"neutral","sentiment_score":0.027028608446319897}],"sentiment":"neutral","sentiment_score":0.027028608446319897,"channel":0,"num_words":15,"start":1544.6699,"end":1549.09},{"sentences":[{"text":"Oh, yeah.","start":1550.095,"end":1550.655,"sentiment":"neutral","sentiment_score":0.017834976315498352},{"text":"Yeah.","start":1550.655,"end":1550.895,"sentiment":"neutral","sentiment_score":0.01064592506736517},{"text":"No.","start":1550.895,"end":1551.135,"sentiment":"neutral","sentiment_score":-0.04268276691436768},{"text":"That's still on the cards, 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me fine.","start":2002.055,"end":2002.795,"sentiment":"neutral","sentiment_score":0.17814789215723673},{"text":"Alrighty.","start":2005.415,"end":2005.915,"sentiment":"neutral","sentiment_score":0.3026999533176422},{"text":"Mate, if there's nothing else, I will send this off to the team.","start":2006.375,"end":2010.635,"sentiment":"neutral","sentiment_score":0.18227180036214682}],"sentiment":"neutral","sentiment_score":0.18862806085278006,"channel":0,"num_words":17,"start":2002.055,"end":2010.635},{"sentences":[{"text":"Yep.","start":2011.08,"end":2011.58,"sentiment":"neutral","sentiment_score":0.18315444886684415}],"sentiment":"neutral","sentiment_score":0.18315444886684415,"channel":1,"num_words":1,"start":2011.08,"end":2011.58},{"sentences":[{"text":"Are you all good for, like, login access and everything to your Netwealth, or you just prefer getting the reports from us?","start":2011.415,"end":2016.96,"sentiment":"neutral","sentiment_score":0.233761727809906},{"text":"Is there anything else I can sort","start":2017.0399,"end":2018.58,"sentiment":"neutral","sentiment_score":0.028173851115362986}],"sentiment":"neutral","sentiment_score":0.18413706791811976,"channel":0,"num_words":29,"start":2011.415,"end":2018.58},{"sentences":[{"text":"Yeah.","start":2019.32,"end":2019.64,"sentiment":"neutral","sentiment_score":0.024173282086849213},{"text":"No.","start":2019.64,"end":2019.7999,"sentiment":"neutral","sentiment_score":-0.036678142845630646},{"text":"No.","start":2019.7999,"end":2020.2,"sentiment":"neutral","sentiment_score":-0.030946116894483566}],"sentiment":"neutral","sentiment_score":-0.014483659217755,"channel":1,"num_words":3,"start":2019.32,"end":2020.2},{"sentences":[{"text":"out?","start":2020.1599,"end":2020.6599,"sentiment":"neutral","sentiment_score":-0.0192674957215786}],"sentiment":"neutral","sentiment_score":-0.0192674957215786,"channel":0,"num_words":1,"start":2020.1599,"end":2020.6599},{"sentences":[{"text":"I I I do log 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quickly ask and then let you go is did you want me to set up a security question, or are you still happy to go through date of birth address with us?","start":2035.205,"end":2044.44,"sentiment":"neutral","sentiment_score":0.010266420757398009}],"sentiment":"neutral","sentiment_score":0.010266420757398009,"channel":0,"num_words":40,"start":2035.205,"end":2044.44},{"sentences":[{"text":"Yeah.","start":2045.46,"end":2045.7799,"sentiment":"neutral","sentiment_score":-0.09463196992874146},{"text":"That's no.","start":2045.7799,"end":2046.1799,"sentiment":"neutral","sentiment_score":-0.2030881643295288}],"sentiment":"neutral","sentiment_score":-0.16693609952926636,"channel":1,"num_words":3,"start":2045.46,"end":2046.1799},{"sentences":[{"text":"Us?","start":2046.12,"end":2046.62,"sentiment":"neutral","sentiment_score":-0.20451781153678897}],"sentiment":"neutral","sentiment_score":-0.20451781153678897,"channel":0,"num_words":1,"start":2046.12,"end":2046.62},{"sentences":[{"text":"That's fine.","start":2046.1799,"end":2047.0,"sentiment":"neutral","sentiment_score":0.07017962820827961}],"sentiment":"neutral","sentiment_score":0.07017962820827961,"channel":1,"num_words":2,"start":2046.1799,"end":2047.0},{"sentences":[{"text":"Cool.","start":2047.3999,"end":2047.8999,"sentiment":"neutral","sentiment_score":-0.00659839017316699},{"text":"And just for review frequency, did you want me to pencil in some more frequent catch ups, quarterly, six monthly, or just wait for the annual reviews?","start":2047.96,"end":2055.5798,"sentiment":"neutral","sentiment_score":0.05748173422007649}],"sentiment":"neutral","sentiment_score":0.05519315834888922,"channel":0,"num_words":28,"start":2047.3999,"end":2055.5798},{"sentences":[{"text":"Yeah.","start":2057.915,"end":2058.235,"sentiment":"neutral","sentiment_score":0.03452762961387634},{"text":"No.","start":2058.235,"end":2058.555,"sentiment":"neutral","sentiment_score":-0.05900938063859939},{"text":"Just yeah.","start":2058.555,"end":2059.375,"sentiment":"neutral","sentiment_score":-0.012614834122359753},{"text":"Just stick with the annual reviews.","start":2059.435,"end":2061.115,"sentiment":"neutral","sentiment_score":0.035740782817204796},{"text":"But if anything does pop up, you gotta feel free to reach out.","start":2061.115,"end":2064.975,"sentiment":"neutral","sentiment_score":0.09795759704250556}],"sentiment":"neutral","sentiment_score":0.06252965387766776,"channel":1,"num_words":23,"start":2057.915,"end":2064.975},{"sentences":[{"text":"That's all.","start":2065.115,"end":2065.935,"sentiment":"neutral","sentiment_score":0.08942318335175514}],"sentiment":"neutral","sentiment_score":0.08942318335175514,"channel":1,"num_words":2,"start":2065.115,"end":2065.935},{"sentences":[{"text":"Yeah.","start":2065.655,"end":2066.135,"sentiment":"neutral","sentiment_score":0.10607580840587616},{"text":"Yep.","start":2066.135,"end":2066.635,"sentiment":"neutral","sentiment_score":0.11811187863349916},{"text":"Reach out if there's anything crazy going 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today.","start":2073.4001,"end":2074.6,"sentiment":"positive","sentiment_score":0.8469197869300842},{"text":"It's been a pleasure, and I'll probably send you the usual feedback message as well, which would be appreciated.","start":2074.6,"end":2081.6602,"sentiment":"positive","sentiment_score":0.7204452596212688}],"sentiment":"positive","sentiment_score":0.7505804830127292,"channel":0,"num_words":27,"start":2072.28,"end":2081.6602},{"sentences":[{"text":"Yes.","start":2081.3298,"end":2081.8298,"sentiment":"neutral","sentiment_score":0.30061644315719604}],"sentiment":"neutral","sentiment_score":0.30061644315719604,"channel":1,"num_words":1,"start":2081.3298,"end":2081.8298},{"sentences":[{"text":"But if nothing else, I will see you possibly in a fortnight.","start":2082.2002,"end":2086.315,"sentiment":"neutral","sentiment_score":0.15134918006757894}],"sentiment":"neutral","sentiment_score":0.15134918006757894,"channel":0,"num_words":12,"start":2082.2002,"end":2086.315},{"sentences":[{"text":"Not a problem, mate.","start":2087.213,"end":2088.0928,"sentiment":"positive","sentiment_score":0.5022078976035118},{"text":"Well, you have a nice holiday.","start":2088.0928,"end":2089.473,"sentiment":"positive","sentiment_score":0.7937498092651367}],"sentiment":"positive","sentiment_score":0.6771330446004867,"channel":1,"num_words":10,"start":2087.213,"end":2089.473},{"sentences":[{"text":"I will.","start":2090.135,"end":2090.615,"sentiment":"positive","sentiment_score":0.6977142989635468},{"text":"Thank you so much, mate.","start":2090.615,"end":2091.575,"sentiment":"positive","sentiment_score":0.82843496799469},{"text":"See you then.","start":2091.575,"end":2092.395,"sentiment":"positive","sentiment_score":0.644758403301239}],"sentiment":"positive","sentiment_score":0.747187864780426,"channel":0,"num_words":10,"start":2090.135,"end":2092.395},{"sentences":[{"text":"Cheers, mate.","start":2092.4128,"end":2092.973,"sentiment":"positive","sentiment_score":0.6121154427528381},{"text":"Bye bye.","start":2092.973,"end":2093.6328,"sentiment":"neutral","sentiment_score":0.29269447922706604}],"sentiment":"positive","sentiment_score":0.4524049609899521,"channel":1,"num_words":4,"start":2092.4128,"end":2093.6328},{"sentences":[{"text":"Bye.","start":2093.815,"end":2094.315,"sentiment":"neutral","sentiment_score":-0.11326686292886734}],"sentiment":"neutral","sentiment_score":-0.11326686292886734,"channel":0,"num_words":1,"start":2093.815,"end":2094.315}]},"summary":{"result":"success","short":"The representative from Oakview Financial discusses the annual review pack with Steven and emphasizes the importance of filling out a summary of his insurance policy. They also explain the process of updating and reducing risk levels for retirement goals. The speaker suggests reducing risk levels and reducing costs to make it more affordable, including a transition strategy and reducing risk levels to achieve goals. They also discuss estate planning and retirement goals, including setting aside money for other children and obtaining a new license. The conversation ends with instructions for completing the security question and reminders to reach out if there are any issues."},"intents":{"segments":[{"text":"While you're grabbing that email up, do you recall receiving maybe a few months ago a record of advice from us? Maybe I because I put everything into the folder anyway, so I probably got one there. Okay. Cool.","start_word":343,"end_word":381,"intents":[{"intent":"Check notes","confidence_score":0.00036693815}]},{"text":"thing I want you to do, if you could, please, is there should be a button saying next document.","start_word":680,"end_word":698,"intents":[{"intent":"Guide web page","confidence_score":0.00002505131}]},{"text":"One's not done so well. I'm gonna recommend changing it.","start_word":1142,"end_word":1151,"intents":[{"intent":"Recommend switch","confidence_score":0.00045948903}]},{"text":"My main question really is just around the risk level of things. Because we have you noted down for potentially retiring at about 65, what are Yep. your thoughts on the next sort of seven years or so with your trajectory? Yeah.","start_word":1512,"end_word":1553,"intents":[{"intent":"Discuss retirement goals","confidence_score":0.06293333}]},{"text":"me decisions. You know what I mean? Yeah.","start_word":1867,"end_word":1874,"intents":[{"intent":"Make decisions","confidence_score":0.06460495}]},{"text":"What would be a a comfortable amount to start with, do you think?","start_word":2062,"end_word":2074,"intents":[{"intent":"Calculate debt amount","confidence_score":0.0015818328}]},{"text":"Because I get paid monthly now. Oh, Okay.","start_word":2078,"end_word":2085,"intents":[{"intent":"Calculate monthly payments","confidence_score":0.028594239}]},{"text":"What what I have been doing, I've been just smashing out me the home loan anyway. Right.","start_word":2090,"end_word":2106,"intents":[{"intent":"Manage home loan","confidence_score":0.0007125108}]},{"text":"So and that's the one I'm just concentrating at the moment on.","start_word":2193,"end_word":2204,"intents":[{"intent":"Consolidate savings","confidence_score":0.0009059888}]},{"text":"We we had a pretty modest kind of retirement goal listed down, let's say, 500 a week after tax with possibly the mortgage paid off just to look after the expenses and things like that. Does that still sound about right?","start_word":2297,"end_word":2337,"intents":[{"intent":"Ensure retirement goals","confidence_score":0.00040936808}]},{"text":"50 would be minimum where it would run out over about fifteen to twenty years. 500,000 would be you could pop that out in perpetuity without it going down.","start_word":2360,"end_word":2388,"intents":[{"intent":"Maximize savings","confidence_score":0.020481784}]},{"text":"So what we should probably do then is rather than the salary sacrificing, I think the biggest risk that you face is, again, that market crash. If if the stock market completely wipes out 50%, Yep. you're delaying your retirement by at least two years. Right.","start_word":2438,"end_word":2483,"intents":[{"intent":"Address retirement risk","confidence_score":0.008068481}]},{"text":"We can reduce the risk level down one peg to start with from a high growth to a growth.","start_word":2496,"end_word":2514,"intents":[{"intent":"Reduce risk level","confidence_score":0.091061875}]},{"text":"that kind of eight to 10 returns and still get you up to that three, four hundred mark. And then Alright.","start_word":2520,"end_word":2540,"intents":[{"intent":"Help with debt","confidence_score":0.000058456277}]},{"text":"I'll reduce your risk level down a little bit. And then once we hit 60, we'll do a couple of extra strategies there and maybe revisit some contributions then. Yep.","start_word":2603,"end_word":2632,"intents":[{"intent":"Reduce risk","confidence_score":0.04815732}]},{"text":"And then once we hit 60, we'll do a couple of extra strategies there and maybe revisit some contributions then. Yep.","start_word":2612,"end_word":2632,"intents":[{"intent":"Review contributions","confidence_score":0.02391611}]},{"text":"On that email, if you can go to the next document, I just wanna quickly touch on your insurances for a moment.","start_word":2716,"end_word":2737,"intents":[{"intent":"Touch on insurances","confidence_score":0.089238554}]},{"text":"So if you can never work again, pass away, here's the debt cleared out so it doesn't pass pass on to your daughter who you Yep. have as beneficiary.","start_word":2827,"end_word":2855,"intents":[{"intent":"Clear debt","confidence_score":0.14084786}]},{"text":"So what I'm sort of thinking is if you've paid off 50 on the mortgage, I can look at just a little bit of a trim down from $6.36 to maybe $5.50 if you're comfortable just to kind of keep a lid on that a little bit. Well, actually yeah.","start_word":2914,"end_word":2963,"intents":[{"intent":"Evaluate mortgage savings","confidence_score":0.0000416536}]},{"text":"we're not trying to get you a million dollars. We're only trying to get an extra couple of $100 to make sure it's it's safe. And if I can do that with less risk, why Yeah.","start_word":3238,"end_word":3273,"intents":[{"intent":"Reduce risk","confidence_score":0.028346356}]},{"text":"I'll put together Better a bit off of a plan. Oh, sorry?","start_word":3278,"end_word":3289,"intents":[{"intent":"Consolidate plan","confidence_score":0.006964234}]},{"text":"And I'm thinking that the safest thing for you is if we get you to the goal with a bit less risk and the mortgage paid down and keep a lid on the cost, you're gonna get there without having to worry about, oh, I've gotta work another three years. Yep.","start_word":3350,"end_word":3400,"intents":[{"intent":"Keep costs","confidence_score":0.0027724637}]},{"text":"And I'm thinking that the safest thing for you is if we get you to the goal with a bit less risk and the mortgage paid down and keep a lid on the cost, you're gonna get there without having to worry about, oh, I've gotta work another three years. Yep. Yeah.","start_word":3350,"end_word":3401,"intents":[{"intent":"Get to goal","confidence_score":0.00076901977}]},{"text":"What's looking more volatile at the moment, and what that really means is that more news articles you see Yep. with crazy things happening, the market goes higher and lower quicker rather than that slow and steady growth. That can sometimes break, and then you have a crash. Yeah.","start_word":3521,"end_word":3569,"intents":[{"intent":"Discuss market volatility","confidence_score":0.1294702}]},{"text":"And I don't wanna call you next year and say, hey. You're you're now sitting at a $190,000, Yeah.","start_word":3571,"end_word":3589,"intents":[{"intent":"Consider future plans","confidence_score":0.000043998472}]},{"text":"I will raise one quick little thing with you, and I don't mean to be negative about it at all, but we do talk to lawyers quite often about estate planning, Yep.","start_word":4024,"end_word":4055,"intents":[{"intent":"Discuss estate planning","confidence_score":0.3325227},{"intent":"Recall past conversations","confidence_score":0.0006185317},{"intent":"Provide information","confidence_score":0.011364066}]},{"text":"And then for the other children, I'm gonna set aside this. Just making Yeah.","start_word":4251,"end_word":4264,"intents":[{"intent":"Set aside property","confidence_score":0.008444617}]},{"text":"I'll go off one ten for the projections update for you just so I can Yep. sort of factor in the contributions from work in there and show you kind of what that looks like. And just in terms of the occupation, are you still with Alex Logistics?","start_word":4832,"end_word":4879,"intents":[{"intent":"Show information","confidence_score":0.00030267963}]},{"text":"Is that fully office space, or would you have to just sort of go out sites, No. I vehicles, travel around to the different device. travel to locations? Perfect.","start_word":4944,"end_word":4972,"intents":[{"intent":"Confirm location","confidence_score":0.0032495067}]},{"text":"Thank you so much for that, Steven. Appreciate that. I think I have everything up to date so far. Any questions for me so far based on what we talked about?","start_word":4973,"end_word":5003,"intents":[{"intent":"Recall previous conversation","confidence_score":0.0015089087}]},{"text":"Any questions for me so far based on what we talked about?","start_word":4992,"end_word":5003,"intents":[{"intent":"Ask for clarification","confidence_score":0.003598046}]},{"text":"You've been pretty straightforward, and it's a matter of just supplying me with the right information to get lead forward. That's Yeah. all.","start_word":5010,"end_word":5032,"intents":[{"intent":"Setup","confidence_score":9.1980445e-7}]},{"text":"Make sure you're happy with the plan. If you give me the thumbs up, we can launch in and make the switches. Five. Okay.","start_word":5111,"end_word":5134,"intents":[{"intent":"Confirm plan","confidence_score":0.021047864}]},{"text":"bit more story about the company. And the last one is just the consent and service agreement. So in order for us to remain your advisers, we do need your yearly consent, and Eight.","start_word":5170,"end_word":5203,"intents":[{"intent":"Gather consent","confidence_score":0.000026131745}]},{"text":"Once you're done, there'll be a validate button, which may take a a few moments to load the circle, and then it'll ask you to download a copy signed copy for your records. Yeah.","start_word":5398,"end_word":5431,"intents":[{"intent":"Validate account","confidence_score":0.0003207047}]}]},"sentiments":{"segments":[{"text":"Hello?","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.0754159688949585},{"text":"Good day, Steven. Tommy here from Oakview Financial.","start_word":1,"end_word":8,"sentiment":"positive","sentiment_score":0.4105802774429322},{"text":"How are you doing today? Yeah. Yeah.","start_word":9,"end_word":15,"sentiment":"neutral","sentiment_score":0.2812540531158447},{"text":"Not too bad, mate. Yourself? Living the dream so far. It's been a beautiful day on the Gold Coast.","start_word":16,"end_word":34,"sentiment":"positive","sentiment_score":0.644987165927887},{"text":"What about your end? Yeah. Yeah. No. No. It's fun to out, mate. Yes. So Alright. sounds Well, I won't out keep you too long from it, mate, but I'm one sounds of the senior advisers here and just wanted out. to run through your review with you. Yes. You and me just go through a quick security check with you while I send through your annual review pack? Yeah. Copy that.","start_word":35,"end_word":106,"sentiment":"neutral","sentiment_score":0.0898311585187912},{"text":"Beautiful.","start_word":107,"end_word":107,"sentiment":"positive","sentiment_score":0.40083450078964233},{"text":"So I'm registered with ASIC as adviser 1 273105, and we do record our calls for training and quality purposes. Could I just get your date of birth and address, Third of the fifth nineteen sixty eight. Fourteen Francis Greenway Avenue, Saint Claire two seven five nine, New South Wales. please? Sensational.","start_word":108,"end_word":159,"sentiment":"neutral","sentiment_score":0.08284430205821991},{"text":"Thank you so much for that, mate.","start_word":160,"end_word":166,"sentiment":"positive","sentiment_score":0.6347089409828186},{"text":"Now I have popped through a annual review pack to your Hotmail address. Will you be able to Yep. look onto that with me today, or should I just kind of walk you through what's coming? Yeah. And I'll but I just got a spark on my computer. That's all. That's no worries. While you're grabbing your computer there, I'll kinda let you know what's been sent your way. So there's the usual summary of your super and insurances coming through, bit of an updated performance report, certificate for your insurance policy itself, and just some updated services guides with Oak No worries. Financial. And, Steve, anything in particular you're hoping to get out of this year's review? It's just a matter of how we're tracking and everything else. That's all. Yep. No worries. There's a few things I wanted to run through with you today, mainly just around insurance pricing and portfolios within your Netwealth account. There's obviously been a few things going on with Iran, and we've made some changes to your account. While you're grabbing that email up, do you recall receiving maybe a few months ago a record of advice from us? Maybe I because I put everything into the folder anyway, so I probably got one there.","start_word":167,"end_word":378,"sentiment":"neutral","sentiment_score":0.07294730418186002},{"text":"Okay. Cool. Cool.","start_word":379,"end_word":381,"sentiment":"positive","sentiment_score":0.41515666246414185},{"text":"So when you grab that email up from us, there's a I'm not sure if you used our new system before, but we've got a custom built CRM for all of your details for your LinkedIn, and it does include, like, a bit of a DocuSign feature. But what I want you to do, if you can, is if you hit the purple sign button, it'll bring open the six documents to run through with me, and just make sure you're comfortable with it before you sign anything. Yeah. Still logged in anything else in it. No. You're alright, man. And just while you're doing that, I'm gonna bring open your Netwealth account live as well just so I can get you sort of today's balance. Yep. Okay. I'll put you here, Tommy.","start_word":382,"end_word":514,"sentiment":"neutral","sentiment_score":0.15320758521556854},{"text":"Beautiful.","start_word":515,"end_word":515,"sentiment":"positive","sentiment_score":0.5664904117584229},{"text":"You should see a first document when you open it up will be super insurance Alright. Hang on for a minute. I'll put that. Let's see. summary. Alright. Do I gotta click on oh, click on. Sorry. Tell me yet. Yep. Yeah. So when you open up the email, there'll be, like, a purple sign button, and it sort of brings you into the software link. Alright. Is that purple? Yeah. It looks like black and white, don't Alright. And the first one that pops up should have, like, a overview letterhead at the top, and it should say summary of Super Insurance. Hang on. Yeah. Okay. Alright. So, yeah, I've opened it up. Summary. Superannuation insurance. Yes?","start_word":516,"end_word":633,"sentiment":"neutral","sentiment_score":0.0631590187549591},{"text":"Beautiful.","start_word":634,"end_word":634,"sentiment":"positive","sentiment_score":0.4814801812171936},{"text":"So those will be the two main accounts to talk about today outside of any other Yes. advice areas you might need. Just to let you know, the balance as of today is $2.87 $6.04 4. So it obviously fluctuates every day. One Yep. thing I want you to do, if you could, please, is there should be a button saying next document. Yes. Yep. So if you just pop through to the next one, you'll see a Vanguard chart, big red doc big red banner there. And I just want you to skip past that one to the asset performance detail. And it's a huge table with Netwealth with about 400 figures on there. It is a bit large, but it's your portfolio breakdown. Okay. So you want me to go to the third page. Right? Yes. Yeah. And then Alright. you Yep. should see blue table Netwealth logo asset performance. Yeah. Copy that.","start_word":635,"end_word":789,"sentiment":"neutral","sentiment_score":0.09475286732758244},{"text":"Cool. So with your super, you're in a pretty sort of high growth portfolio.","start_word":790,"end_word":803,"sentiment":"positive","sentiment_score":0.34638711810112},{"text":"Basically, everything is invested in growth assets between shares, property, gold, and so on. Very little is in the defensive side. Obviously, the whole point of that, get your high long term returns. One part I wanted to discuss with you today is at what point do we reduce the risk level down. But before I jump into that risk discussion, I just wanna let you know what that record of advice was that you received. Right. Now normally, with the high growth portfolios, we're kind of aiming for, like, an average return of about, say, nine to 10%. In the good years, it goes up ten, twenty, 30. When the market crashes, it goes down. If you average it over the decade, you kinda wanna be in double digits territory. Does that make sense? Yes. Cool. Now if you can see on the left hand side, it's broken down categories of your investments, and you should see, like, cash, your alternative gold investment, and then some Australian and international equities and shares broken Yes. down by funds. Cool. If you swing over to the very right hand side, the second last column is a return percentage for every option. Right. So what essentially happened this year, most of them that you can see are all double digits in terms of returns, but you can see in the middle, there's one there that says minus 23%, and then below it, there's one that says 5.86. Can you make that Yes. one Yep. out? Cool. So what basically happened was when the Iran war kicked off, one thing kind of broke within some Australian share funds where they kind of made a bit of a misstep in some companies they invested in. And some news articles came out in The UK and caused a significant write down of those assets, which basically cause that to start diving. Now normally, what would happen is we would call you up for a review and say, hey. Look. Here's your 10 options.","start_word":804,"end_word":1141,"sentiment":"neutral","sentiment_score":0.037263695547390265},{"text":"One's not done so well.","start_word":1142,"end_word":1146,"sentiment":"negative","sentiment_score":-0.33915960788726807},{"text":"I'm gonna recommend changing it. What's happened with this fund in particular with Benelong is because of the issues were kind of so serious, we Yes. we in particular with Benelong is because of the issues were kind of so serious, we made it a decision across the entire client base at the investment committee level to divest everybody from that option and switch it out for a lower fee, better performing option before it got too Right. bad. It's basically one of those ones where sometimes when funds don't perform as well, you give them a year or two to kind of bounce back. In this particular case, we didn't have any confidence that it would bounce back, So we switched it out with the one that you can see below it, which is the Australia Alright. sorry. BetaShares Australia two hundred. Yep. Now that's only been there for a few months, but it's already bounced back to percent. Yeah. Right. So what that's essentially done, normally, we would give you a statement of advice and say this is what we're doing, but this was kind of big enough to just warrant changing it and letting you know. It's Yeah. Yeah.","start_word":1147,"end_word":1348,"sentiment":"neutral","sentiment_score":-0.050228819251060486},{"text":"brought your overall returns, like long term average for five years, back to that kind of 10 to 12% mark that we're aiming for.","start_word":1349,"end_word":1372,"sentiment":"positive","sentiment_score":0.3872342705726623},{"text":"Yeah. Right. Okay. So when I review your account today, I can basically see all of these options here.","start_word":1373,"end_word":1391,"sentiment":"neutral","sentiment_score":0.2912489175796509},{"text":"They're all performing very, very well. Gold's doing its thing. International shares are doing their thing.","start_word":1392,"end_word":1407,"sentiment":"positive","sentiment_score":0.4659854769706726},{"text":"I don't see any concerns as far as the remaining options that you have, but I just wanted to let you know what we were doing in the background. Yep.","start_word":1408,"end_word":1437,"sentiment":"neutral","sentiment_score":0.23680578072865804},{"text":"Cool. Yep. That's alright. Yeah. As long as you're doing the right thing, mate, it's all good.","start_word":1438,"end_word":1454,"sentiment":"positive","sentiment_score":0.6016033291816711},{"text":"Yeah. And, look, this is not a very frequent thing that happens in the industry. Normally, we would just do the annual review. Any changes we wanna look at, we would just go through and update and buy strategy for you. But this one, yeah, a little bit quicker just to get onto it for you. Yep. My main question really is just around the risk level of things. Because we have you noted down for potentially retiring at about 65, what are Yep. your thoughts on the next sort of seven years or so with your trajectory? Yeah. No. It's probably still the same, mate. Yeah. I just need to get get it up there, you know, for when I do retire. Yep. Yeah.","start_word":1455,"end_word":1579,"sentiment":"neutral","sentiment_score":0.04754646494984627},{"text":"So I can just live comfortable. So the the couple of options we've got, if we stay high growth, we're obviously gonna get some really good long term returns over a seven to ten year period, and it's Yep. gonna really sort of soar the super up.","start_word":1580,"end_word":1626,"sentiment":"positive","sentiment_score":0.3580581545829773},{"text":"Because you've got close to $300 now, when there's that 10% up or down, your super is gonna be jumping up and down 25 to $50,000 compared to that young kid that's got $30, and it goes up one or two. Do you know what I mean? So this is kind of your last period to get those really good returns and kind of finish off building the the amount that you need for the Yes. retirement goal. The question becomes, normally, for high growth, we usually wanna have around nine to ten years to invest in that risk level so that if the market crashes, you've got enough time to get the return target that we're after. The risk is if we stay in it, that it may delay your retirement by a year or two waiting for the market to bounce back if it crashes. Yeah. Right. Okay. So the alternative is so we can stay in there, get as much growth as we can. It may delay things by a year or two if the world explodes, or we could maybe drop down to a four out of five on the risk scale and maybe put some extra contributions in, whatever kind of works for you. I just wanted to wrap it by you. Yeah. No. That's all. That's what come over to you, Blake, anyway, to steer me in the right direction. So to make Yeah. me decisions. You know what I mean? Yeah. So do you think that based on and I'll update a couple of details in a second with you. But just in terms of your cash flow, would you be able to look at a bit of salary sacrifice, $50 a week, a $100 a week, something like that to to get it going and reduce the risk level down? How's your cash flow at the moment? Alright. No. That's alright. Yeah. I could probably do that. K. Because you're on was it about a 100,000 or you'd be a bit bit above that now? Yeah. A little bit of a about that now. Yeah. K. So because you're in that tax bracket, let's say for every $100 you put in, it probably costs you about 67 in the pocket because it goes in pretax. Right. So I just wanna be guided by you in terms of budget. And bear in mind, you can access a bit of your super back at 60, but you still are focusing on your mortgage repayments and things like that. So we wanna kind of do a bit of both. Yeah. What would be a a comfortable amount to start with, do you think? Yeah. Well, alright. Because I get paid monthly now. Oh, Okay. I have been well. What what I have been doing, I've been just smashing out me the home loan anyway. Right. Offset account or extra repayments? I x-ray payments. Cool. Okay. What's the home loan sitting at at the moment? I think last check was 600,000. Yeah. Yeah. No. That is correct. So I can't remember now. Because I've got well, I've actually got two home loans. One that me daughter's paying off, and Yeah. that that's around 400,000. And the one that is my main one that I look at, that that was 200,000, but I've got it down to I think it's a 150. Okay. So and that's the one I'm just concentrating at the moment on. Yeah. Like like like I said, I've just been putting, you know, a couple of grand in each time every month to get that down. Yep.","start_word":1627,"end_word":2230,"sentiment":"neutral","sentiment_score":0.08633699453133621},{"text":"Okay. That works pretty good because I've got a few ideas here.","start_word":2231,"end_word":2242,"sentiment":"positive","sentiment_score":0.5766363739967346},{"text":"So Yeah. the mortgage is still a big priority, and knocking that off is gonna help retirement anyway, especially because obviously less you know, not having a mortgage repayment, don't need as much coming out of super to fund it. It's the same kind of thing. Right? Less expenses Yep. versus more coming out. We we had a pretty modest kind of retirement goal listed down, let's say, 500 a week after tax with possibly the mortgage paid off just to look after the expenses and things like that. Does that still sound about right? Yeah. I'll I'll try to. Yes.","start_word":2243,"end_word":2343,"sentiment":"neutral","sentiment_score":0.2169670611619949},{"text":"Cool.","start_word":2344,"end_word":2344,"sentiment":"positive","sentiment_score":0.3608620762825012},{"text":"So with with that figure, you only need somewhere between 250 to 500,000. So $2.50 would be minimum where it would run out over about fifteen to twenty years. 500,000 would be you could pop that out in perpetuity without it going down.","start_word":2345,"end_word":2387,"sentiment":"neutral","sentiment_score":0.21822115778923035},{"text":"So, you know, you get a 5% return, $50, 500 comes out, 500 return goes in, and you've still got that 500,000 in ten, twenty, thirty years' time.","start_word":2388,"end_word":2415,"sentiment":"positive","sentiment_score":0.3460855782032013},{"text":"So we're already sort of hitting that threshold where you're getting close to 300,000 now. So you're actually getting pretty close. Right. So what we should probably do then is rather than the salary sacrificing, I think the biggest risk that you face is, again, that market crash. If if the stock market completely wipes out 50%, Yep.","start_word":2416,"end_word":2473,"sentiment":"neutral","sentiment_score":-0.03864876180887222},{"text":"you're delaying your retirement by at least two years.","start_word":2474,"end_word":2482,"sentiment":"negative","sentiment_score":-0.4265061318874359},{"text":"Right. So what I can do is you keep focusing on the mortgage. We can reduce the risk level down one peg to start with from a high growth to a growth. We'll still get Right.","start_word":2483,"end_word":2518,"sentiment":"neutral","sentiment_score":0.20818959176540375},{"text":"that kind of eight to 10 returns and still get you up to that three, four hundred mark. And then Alright. when you hit 60, we can do something called a transition strategy. So it's the ability to kind of pull a bit of money out of your super, put it back in again for a tax deduction, and the difference in the Yeah.","start_word":2519,"end_word":2582,"sentiment":"positive","sentiment_score":0.4020068049430847},{"text":"Right. pocket. So what I'm sort of thinking is a bit of a three step. You focus on the mortgage. I'll reduce your risk level down a little bit. And then once we hit 60, we'll do a couple of extra strategies there and maybe revisit some contributions then. Yep. Right. Okay. Yeah. Yep. Because, again, I don't want you putting it all into the super, then the mortgage is still hanging around by the endpoint. Yeah. Yeah. No. No. That's right. Yeah. Because that that that was my main focus anyway to get get rid of my drop down the house repayments and stuff like that. Yeah. Get Yeah. rid Yep. of So the other thing we can do too is I wanna kind of look at reducing costs a little bit. On that email, if you can go to the next document, I just wanna quickly touch on your insurances for a moment. It's a H4. green yeah. It's a green Yep. Tau Certificate of Currency. Copy that. Yep. So BT For Life was the insurer. That's now been kind of bought out by Tal, which is one of the sort of big five anyway. So they're the ones that are looking after the policy at the moment. Yep. Now if you go down, the premiums was set to 630 sorry. Not premiums. The cover amount, 636,000, was there to cover the mortgage Alright. Yeah. Yeah. Copy. Yep. for life and disability. So if you can never work again, pass away, here's the debt cleared out so it doesn't pass pass on to your daughter who you Yep. have as beneficiary. So the question is because the premiums have jumped up again, when you hit the late fifties, they go up quite quickly. So we're looking at 6,900 at the moment per year coming out of the super. Right. 15% rebate drops it to about $6, but it's still a pretty hefty chunk compared to your contributions. Oh, okay. So what I'm sort of thinking is if you've paid off 50 on the mortgage, I can look at just a little bit of a trim down from $6.36 to maybe $5.50 if you're comfortable just to kind of keep a lid on that a little bit. Well, actually yeah. Yeah. Yeah. That is probably what it'll be now. You think that would be a good idea to do? Just sort Yeah. of get Yeah. the Copy that. Yep. cost down? Cool. So I'll do the usual research check where I see if there's any other providers that are offering a better deal, but I know TEL's actually got one of the best pricings at the moment. I'll do the research just to double check, but I don't wanna send you through a full application process to change insurers if it's not gonna be any benefit to you. But at Yeah. the very least, we'll do an alteration and Oh, reduce okay. that Yeah. Yeah. a little bit. Cool. There's no income protection or trauma insurance on there, but I'm assuming you just wanna focus on the mortgage and the Yeah. the life of the yeah. Gotcha. Got Gotcha. Okay.","start_word":2583,"end_word":3113,"sentiment":"neutral","sentiment_score":0.05903644114732742},{"text":"So that gives me a really good idea of what to do with the super and the insurances.","start_word":3114,"end_word":3131,"sentiment":"positive","sentiment_score":0.33602413535118103},{"text":"A bit of a trim down, reduce the risk a little bit. We'll revisit that extra strategy when you turn 60. We'll do a bit Yep. of preplanning at the next review because we can kind of run through the figures with you before that birthday. Yeah. Right. I think. So so you reckon it'll be be wise just to knock it down instead of being aggressive, just knock it down a peg? Yeah. Yeah.","start_word":3132,"end_word":3206,"sentiment":"neutral","sentiment_score":0.18613708019256592},{"text":"Like, if we can still get you to the goal with a little bit less risk, I think that's kind of the best of both worlds.","start_word":3207,"end_word":3232,"sentiment":"positive","sentiment_score":0.46515557169914246},{"text":"Like, we're not Yep. we're not trying to get you a million dollars. We're only trying to get an extra couple of $100 to make sure it's it's safe. And if I can do that with less risk, why Yeah. Right. Okay. not? So Yeah.","start_word":3233,"end_word":3277,"sentiment":"neutral","sentiment_score":0.08709977153274748},{"text":"I'll put together Better a bit off of a plan.","start_word":3278,"end_word":3287,"sentiment":"negative","sentiment_score":-0.3917624950408935},{"text":"Oh, sorry? sorry, mate. I didn't mean to interrupt you there. Yeah. Yeah. I was just gonna say, wouldn't it be best to try and get in as much money as I can or what? Yeah. I mean, in terms of putting in contributions, can do or trying to get as much returns as possible. I'm just conscious of time frames.","start_word":3288,"end_word":3348,"sentiment":"neutral","sentiment_score":-0.0031988252885639668},{"text":"Right.","start_word":3349,"end_word":3349,"sentiment":"positive","sentiment_score":0.3391493558883667},{"text":"And I'm thinking that the safest thing for you is if we get you to the goal with a bit less risk and the mortgage paid down and keep a lid on the cost, you're gonna get there without having to worry about, oh, I've gotta work another three years. Yep. Yeah. Right. Just because if I know, you know, what's current currently going on in the world, could explode very, very quickly. And I guess the worst case scenario is if do you remember sort of GFC that happened in 2009? Yep. So that was, like, eighteen months it took for the market to get to the bottom.","start_word":3350,"end_word":3458,"sentiment":"neutral","sentiment_score":0.028794417157769203},{"text":"It was just a straight year and a half of everything crashing down, about 60%. It took five years for it to get back up.","start_word":3459,"end_word":3483,"sentiment":"negative","sentiment_score":-0.3853229284286499},{"text":"Yeah. Right. Okay. Yeah. That's Because why we kind that of say ten years was is a over good time as frame. well. Alright. So you reckon the market's gonna die down a bit, you reckon? Mhmm. What's looking more volatile at the moment, and what that really means is that more news articles you see Yep.","start_word":3484,"end_word":3540,"sentiment":"neutral","sentiment_score":-0.15853440761566162},{"text":"with crazy things happening, the market goes higher and lower quicker rather than that slow and steady growth. That can sometimes break, and then you have a crash.","start_word":3541,"end_word":3568,"sentiment":"negative","sentiment_score":-0.42668142914772034},{"text":"Yeah. Right.","start_word":3569,"end_word":3570,"sentiment":"neutral","sentiment_score":-0.23970212042331696},{"text":"And I don't wanna call you next year and say, hey.","start_word":3571,"end_word":3581,"sentiment":"negative","sentiment_score":-0.3536069989204407},{"text":"You're you're now sitting at a $190,000, Yeah. and we've got to build it back up from there. Yeah. No. That's right. Yep. So insurances, the super there. And just in terms of the estate planning side of things, you do have both on the super and the towel policy, Amber listed as the beneficiary. Is that still okay? That is correct. Yes. Cool. Did you manage to get a will put No. in Not at the moment. No. place? Cool. Alright. I'll just include the usual reminders for the the will and the power of attorney, but I'll leave the beneficiaries as they are. Yep.","start_word":3582,"end_word":3687,"sentiment":"neutral","sentiment_score":0.0692704938492685},{"text":"Beautiful.","start_word":3688,"end_word":3688,"sentiment":"positive","sentiment_score":0.5686028003692627},{"text":"Outside of that, is there anything else that you're sort of focusing on in the next couple of years besides the mortgage? No. That that's pretty much it, mate. You know? Just I wanna knock that in the heaven away it goes. You know? Yeah. Be nice No. to not have that hanging around. That that's right. No. It's just that I got got my daughter and her family out of renting, and it was so hard for them to get a home loan as well if all it did get into the market. Right? And so what I've done was I extended on the house. And so I'm out in the Granny flat, and they have the house now. And so and that that's why I talk about two two home loans. It's Yep. still Yep. under my thing, but she's paying the majority of the other one, so which is around 400,000. Cool. Might be a little bit less than that, but they they've gotta pay that. Right? And I've got the second one, which is I call it my one anyway. So I've got that it was 200,000, but I've got it down to a 150. And that's the main one that I wanna try and knock in the head. Right? Yep. Because they're working everything else. So they're they're still paying off everything then. And that that was my main focus. But, you know, it's oh, I still classify their one as mine anyway. So I'm putting a little bit extra into that to get that down as well.","start_word":3689,"end_word":3951,"sentiment":"neutral","sentiment_score":-0.017818843945860863},{"text":"So Yeah. So if you're putting that extra couple of grand in there, you should pretty much be able to clear at least that $1.50 well and truly before age 65. Oh, well, that's the plan, mate. Yeah. Yes. Cool. Okay. I've got that noted down, and that's cool. So that one's actually been built and and moved in and everything, so I'll put that as a goal achieved. So Yep. fantastic.","start_word":3952,"end_word":4023,"sentiment":"positive","sentiment_score":0.6243674755096436},{"text":"I will raise one quick little thing with you, and I don't mean to be negative about it at all, but we do talk to lawyers quite often about estate planning, Yep. especially given the the current economic situation. A lot of your generation is helping children get into the market, Right. dual living, that kind of thing. And they're reminded to us as just a flag with clients to make sure you've got, like, financial agreements in place or something in writing so that it makes sense where it's going to. Obviously, I know you trust your daughter. You list her as your beneficiary, but I just Yep. wanted to flag that as a you know, it's part of the estate planning side of things Right. or down the line as well. And what do they mean by that then? So some people do a thing where they'll have an agreement for the the children to pay off the main home, and then they can actually sort of pay to to buy it kind of thing, and that's essentially their inheritance. So I know some people where they've got one set of children that are helping, another set of children who are off, and they go as part of your inheritance, you're gonna buy me out this part of the property, and then you're covered here. And then for the other children, I'm gonna set aside this. Just making Yeah. it a bit more concrete on paper. Oh, okay. Not sure if you've got other children floating around or any Yeah. anyone No.","start_word":4024,"end_word":4287,"sentiment":"neutral","sentiment_score":0.14165930449962616},{"text":"No. No. that could pop out of the woodworks.","start_word":4288,"end_word":4296,"sentiment":"negative","sentiment_score":-0.41478949785232544},{"text":"No. No. It's just just me daughter.","start_word":4297,"end_word":4303,"sentiment":"neutral","sentiment_score":-0.2158532440662384},{"text":"I do have a stepson, though, but we've we've already helped him out, and he's happy with what he's got. Cool.","start_word":4304,"end_word":4324,"sentiment":"positive","sentiment_score":0.5068275332450867},{"text":"Yeah. I just thought I'd flag it just in case. It would be sort of remiss for me not to at least mention the idea No. of putting That's things fine. on paper. No. No. That's right. Yeah. Well yeah. Yeah. You never know who comes out of the woodworker. Right? I've seen some funny things. I have Yeah. seen some funny things. Yeah. And were you still thinking of one day getting the the old RV as well? Oh, yeah. Yeah. No. That's still on the cards, mate. Yes. So any idea how much they cost these days? Have you sort of looked into it yet, or is that a bit further down the line? Yeah. Oh, no. I'm always looking as well. So anything from 80 up to, I I dare say, yeah, for what I want want $1.50. Yep. 80 to $1.50. I'll just note it down there so I can kind of track that as part of the the retirement goals with you because Yeah. there's the mortgage, there's the income, there's the RV, and I wanna try and make sure that you can sort of achieve all three. Yeah. Yeah. No. That's right. Well, I it just just in my bank account anyway, just in cash, I've got around 70,000 in there.","start_word":4325,"end_word":4541,"sentiment":"neutral","sentiment_score":0.034444764256477356},{"text":"Oh, fantastic.","start_word":4542,"end_word":4543,"sentiment":"positive","sentiment_score":0.4518575072288513},{"text":"And I've also got a a classic car with a Hatesford panel van, Oh, and that's only going up in value as well. So if anything, I I can always sell that. And with whatever cash I've got as well, that goes towards what I look at. exit. Perfect. What do you reckon the the panel van goes for at the moment? Well, I I brought it for 20, and I could probably sell it for around 60. Yep.","start_word":4544,"end_word":4622,"sentiment":"neutral","sentiment_score":0.11475805193185806},{"text":"Awesome.","start_word":4623,"end_word":4623,"sentiment":"positive","sentiment_score":0.4814450144767761},{"text":"60 there, 70 in savings, $1.","start_word":4624,"end_word":4629,"sentiment":"neutral","sentiment_score":0.3250085413455963},{"text":"50 on your portion for the mortgage. That's looking pretty good.","start_word":4629,"end_word":4639,"sentiment":"positive","sentiment_score":0.49108707904815674},{"text":"Any other loans or assets that I can add down? No. No. No. No loans. The only house loan. That's it.","start_word":4640,"end_word":4660,"sentiment":"neutral","sentiment_score":0.00699864842352413},{"text":"Perfect.","start_word":4661,"end_word":4661,"sentiment":"positive","sentiment_score":0.6803854703903198},{"text":"Couple If other anything, detail. I borrow off myself. You borrow off yourself in terms of, like, dip out a bit of savings and then make sure you put it back. That's right. Exactly.","start_word":4662,"end_word":4695,"sentiment":"neutral","sentiment_score":0.10734507441520692},{"text":"Alright. Cool.","start_word":4696,"end_word":4697,"sentiment":"positive","sentiment_score":0.3958226442337036},{"text":"I've got the 400 and the $1.50 added in there as well just as a bit of a further breakdown. Home value, I think we had 1.5 on there. Now that you've done the granny site, do you have an idea of what it may may look like? Uh-huh. Yeah. No. That's probably what what it would look like now. Yeah. Yeah. All all up, you're probably looking around that one point Yeah. five, one point six.","start_word":4698,"end_word":4774,"sentiment":"neutral","sentiment_score":0.07135748863220215},{"text":"Awesome.","start_word":4775,"end_word":4775,"sentiment":"positive","sentiment_score":0.4950143992900848},{"text":"And just quickly, so you mentioned before that your income bumped up maybe a bit above a $100. Do you know where you landed for the the tax year just gone by? Well, I haven't looked at the tax side, but it's I think it's one ten. Yeah. I think it's one ten, I think. Cool. I'll go off one ten for the projections update for you just so I can Yep. sort of factor in the contributions from work in there and show you kind of what that looks like. And just in terms of the occupation, are you still with Alex Logistics? No. No. Veolia. Veolia, Yep. the the old gas company. Yeah. No. It's a waste waste company. Waste company. That's it. Water. Yeah. Water and waste, the big bins. That's right. Sweet. And are you what are you doing with them at the moment? I just wanna add in just an occupation Yeah. I'm a so the lead trainer for New South Wales.","start_word":4776,"end_word":4942,"sentiment":"neutral","sentiment_score":0.041718870401382446},{"text":"Fantastic.","start_word":4943,"end_word":4943,"sentiment":"positive","sentiment_score":0.3425561189651489},{"text":"Is that fully office space, or would you have to just sort of go out sites, No. I vehicles, travel around to the different device. travel to locations?","start_word":4944,"end_word":4971,"sentiment":"neutral","sentiment_score":0.0437324196100235},{"text":"Perfect. Thank you so much for that, Steven. Appreciate that.","start_word":4972,"end_word":4981,"sentiment":"positive","sentiment_score":0.5582586526870728},{"text":"I think I have everything up to date so far. Any questions for me so far based on what we talked about? No. No. Just just yeah.","start_word":4982,"end_word":5008,"sentiment":"neutral","sentiment_score":0.13690656423568726},{"text":"You've been pretty straightforward, and it's a matter of just supplying me with the right information to get lead forward.","start_word":5009,"end_word":5028,"sentiment":"positive","sentiment_score":0.5413974523544312},{"text":"That's Yeah. all. Yep. So what will basically happen from here, just as a bit of a heads up, is I'm sending this to my team now to do that research on the risk reduction and the insurance reduction. They're Yep. basically gonna put that research into an updated document, new projections together, and I will be away next week. But when I get back, I'll get them to sort of book you in, and we can run through the figures together. Make sure you're happy with the plan. If you give me the thumbs up, we can launch in and make the switches. Five. Okay. Yep. Cool. Outside of that, the only two remaining documents in that email for the review today is the Oakview services guide. That's your updated, like, licensing information, privacy policy, and so on. A Alright. bit more story about the company. And the last one is just the consent and service agreement. So in order for us to remain your advisers, we do need your yearly consent, and Eight. the the fees haven't changed from last year. They're still 1.65% spread through the year and the monthlies. There is a discussion we've had with Sevvy and Bart to look at a bit of a tiered fee structure. So from next year onwards, we're gonna start providing discounts for clients above 200,000. Oh, okay. Cool. So this one will be the same, but the next review we do, when I talk about that transition to retirement strategy for 60 and beyond, that should Yep. all be in place by then as well. Yeah. Right. Okay. Sweet.","start_word":5029,"end_word":5299,"sentiment":"neutral","sentiment_score":0.078603595495224},{"text":"Cool. Alright, Steven. Mate, that's everything from me so far. I do appreciate the time.","start_word":5300,"end_word":5314,"sentiment":"positive","sentiment_score":0.4232606887817383},{"text":"Oh, that's fine. Anything So I else start I can help with in yeah. And so I just start press click to start and that should you should get me signature. Right? Yeah. So you know how we were going through the documents before and skipping across them? When Yes. you hit click to start, it'll actually bring you to the signing spots to Oh, stamp okay. on, like, name, signature, and date, Yeah. and Yeah.","start_word":5315,"end_word":5390,"sentiment":"neutral","sentiment_score":0.10951362863967291},{"text":"then should be good to from there.","start_word":5391,"end_word":5397,"sentiment":"positive","sentiment_score":0.4767337441444397},{"text":"Once you're done, there'll be a validate button, which may take a a few moments to load the circle, and then it'll ask you to download a copy signed copy for your records. Yeah. Right.","start_word":5398,"end_word":5432,"sentiment":"neutral","sentiment_score":0.1801040917634964},{"text":"Okay. Beauty.","start_word":5433,"end_word":5434,"sentiment":"positive","sentiment_score":0.4401372075080872},{"text":"So just give that a go for me, see if there's any troubles with it. I believe it might be your first time using this system, so I'll just be there to troubleshoot. I might have to spark up the other computer. That's alright. I can I can leave that one with you if you wanna switch devices? But if you have any trouble, Alright. just give Now us here a here call. it is. No. No. Alright. All good. Good. Now hang on for a minute. Yeah. Sign all. Done. So date. Validate the site. Completed. Yeah. Yeah. It's just loading. Yeah. Here we go. Sometimes I've heard it take five seconds. Sometimes it's taking a good minute minute ten. Yeah. Right.","start_word":5435,"end_word":5557,"sentiment":"neutral","sentiment_score":0.10105180740356444},{"text":"Oh, that's actually come through signed already, so thank you for doing that.","start_word":5558,"end_word":5570,"sentiment":"positive","sentiment_score":0.5120981335639954},{"text":"There it It's is. come Yeah. through Yeah. to me fine. Alrighty. Mate, if there's nothing else, I will send this off to the team. Yep. Are you all good for, like, login access and everything to your Netwealth, or you just prefer getting the reports from us? Is there anything else I can sort Yeah. No. No. out? I I I do log in. Cool. Alright.","start_word":5571,"end_word":5637,"sentiment":"neutral","sentiment_score":0.16567665338516235},{"text":"So I've got no no problems there.","start_word":5638,"end_word":5644,"sentiment":"positive","sentiment_score":0.3336547911167145},{"text":"I'll check it. Yeah. Well, not regularly, but every now and then. So Yep. yeah. All all good stuff, The only other two things I was gonna quickly ask and then let you go is did you want me to set up a security question, or are you still happy to go through date of birth address with us? Yeah. That's no. Us? That's fine. Cool. And just for review frequency, did you want me to pencil in some more frequent catch ups, quarterly, six monthly, or just wait for the annual reviews? Yeah. No. Just yeah. Just stick with the annual reviews. But if anything does pop up, you gotta feel free to reach out. That's all. Yeah. Yep. Reach out if there's anything crazy going on. Yeah. No. Exactly. Exactly.","start_word":5645,"end_word":5776,"sentiment":"neutral","sentiment_score":0.06273876503109932},{"text":"Awesome, Steven, mate. Really appreciate your time today. It's been a pleasure, and I'll probably send you the usual feedback message as well, which would be appreciated.","start_word":5777,"end_word":5803,"sentiment":"positive","sentiment_score":0.7627477645874023},{"text":"Yes. But if nothing else, I will see you possibly in a fortnight.","start_word":5804,"end_word":5816,"sentiment":"neutral","sentiment_score":0.16966257989406586},{"text":"Not a problem, mate. Well, you have a nice holiday. I will. Thank you so much, mate. See you then. Cheers, mate.","start_word":5817,"end_word":5838,"sentiment":"positive","sentiment_score":0.6867049336433411},{"text":"Bye bye. Bye.","start_word":5839,"end_word":5841,"sentiment":"neutral","sentiment_score":0.26545581221580505}],"average":{"sentiment":"neutral","sentiment_score":0.1060000271267361}}}}