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No. That's absolutely fine. Not a problem at all. Before I jump into the call, just to let you know, with your recall, the call for quality and training purposes, are you happy to proceed with that? Legend. And just to do a quick security check there for you. So I'll just expand your full name, your date of birth, and address I should have on file for you. Yep. Wonderful. Thank you so much for that. So, Paul, when we did get any review back in January, I may have mentioned we wanted to do a bit more in the way of catch up to make sure that we're giving you more of an update. The reason I've kind of wanted to have you booked in today is that I've been having a look at things for you. I know you've gone through your compassionate grounds release recently, which is great, but I've sort of had a bit of a look at your super and found that there's an underperforming investment so I'd really like to maybe update and have changed for you. Just sort of having a look at things, you had originally an actively managed fund in there for Benelon Australian Equities. And whilst we have seen lots of ups and downs in the market this year, but everything has been going on globally, that investment seems to be underperforming pretty heavily within your superannuation fund. So I kind of wanted to touch base with you to have a bit of a chat. Maybe talk about updating your advice and removing and updating your portfolio if you're open to me doing that for you. Yeah. Absolutely. No. Definitely. And, look, it's a good time to do so because you've had that... The funds withdrawn from your Compassionate Ground, so that kind of rebuilding is super there for you. I wanna take sure as part of doing reviews, I have a look at the investments and kind of notice when things aren't working and what we maybe need to do to update. And this is much of an older portfolio as well, so it's probably a good time to go forward and update that for you. One of the things I wanted to sort of find out was more about a preference. So so then along with a in equities investment, that was originally placed in your portfolio as an active manager, and you are in a high growth portfolio. One of the things we sort of talked about last time was that you were comfortable being that high growth environment. You were sort of thinking you probably want to keep working or wouldn't access business till about age 65. Are you still comfortable being at a high growth environment? Are you still feeling like you're willing to take on more risk to get greater potential returns, or do you feel a bit more like you'd want to reduce it somewhat? Yeah. Yeah. And that's kind of the the the side of it that we wanna look at is making sure that you're in a portfolio where you're taking a certain degree of risk that you're comfortable taking in order to get those greater potential returns and encourage that growth a little bit more. But at the same time, as you get closer to accessing super, pulling back as appropriate, Taking on more risk and getting greater potential returns is great when the market is good, but it also means that you're increasing the risk of a downside event. So when the market isn't performing well, taking more risk means you'll feel that downside a little bit more as well. With with the high growth portfolio that you're in at the moment, that high growth environment with that ninety ten sort of split between growth and the sensitive investment, growth investments are like shares, commodities, and property where you do see big fluctuations, and then that environment normally is 10% in that lower kind of risk area like cash, bonds, and fixed interest. This sort of portfolio generally fit someone who is has more than eight years ahead of them before accessing their super because we understand the likelihood of a negative return is expected, generally, one in every five years. You're looking to try and obtain a long dated compounding return of eight to 10 over that time per year. You could stay in that for a little bit longer, but I sort of had a look at things. And, realistically, if you still wanna access sleep out of that age 65, It's realistically from December this year when your birthday comes around, only giving you about seven years. Do you feel like it might be time to pull things back a little bit, or do you wanna stay in that high growth until January when we review things again? What would you like? Oh, you are. I'm so sorry. My... Yeah. No. Sorry. My apologies. I got the wrong year in here. My... Sorry. I calculated in 2026, and it came out '57, and I assumed December. Linda, you're absolutely fine. Sorry. No. I hate to make you a year older than you really are. That's not fair in any way, people form. No. No. Yeah. No. Absolutely. And, look, honestly, with that seven to eight year mark, that is generally when most clients are wanting to kind of pull things back a little bit and start to reduce their risk. But it's also an individual decision because you've had that withdrawal. Because your balance is a little bit lower, we also wanna entice it to grow some more. Did you want me to maybe update the portfolio and keep you high growth until January and we could reassess it then? Or do you want me to just move you back a little bit, maybe reduce the risk level by 10% and see what that does for you? Yep. Yeah. Yep. Yeah. Absolutely. Perfect. Now did you want me to sort of look at... We do have ways... Because I definitely wanna remove that bang along investment. I don't want this to be in your portfolio any longer. We're trying to sort of make it work a bit harder and move those underperforming investments currently. That investment, as I mentioned before, is an actively managed fund. To have an active manager in your portfolio, they're supposed to be trying to buy and sell and time the market and outperform against the market, and active managers can't honestly do that every year. And you do pay a bit more in the way of fees to have those investments in your portfolio. Would you like me to keep an active manager in there, or would you like me to maybe pull back the risk level and look at maybe reducing fees in your portfolio? Yeah. Which one? Sorry. Active manager? Absolutely not. No. So I have access to investments where I could remove that active investment manager out of there. I could put you into maybe a cheaper portfolio to save on some of the fees where possible, but still keep that high growth environment for you. Yeah. Yep. Beautiful. Yeah. Beautiful. Excellent. And I'll keep that high growth ninety, ten split. I'll just note that we'll look at the next sort of five to ten years for you to see where there's tracking, and then we'll kind of just catch up in January again and see how things are tracking through your annual review. And then we'll kinda just take it every few months from there to see how you're going and when you wanna start reducing the risk level a little bit. How does that sound? Beautiful. What I can also do for you is I can also put in the appendices just a comparison against the recommended changes, but also in the growth portfolio just to see the... Show you the difference between the high growth and the growth. Would you like that? No. So when I provide the advice document and we go through that with my recommendations, that'll all be with the high growth portfolio. But I can quick comparison, do the extra research for the growth portfolio, which is just dropping down that risk level. No worry about that. You're happy with that? You're absolutely fine. That's not a problem at all. The only other thing just to kinda double check is just a few things to make sure the advice is appropriate income wise. I had you on. You were doing five days a week full time hours, $36 per hour there. Is that still fairly accurate? Yeah. Beautiful. Fantastic. I've also got here a savings wise. Now because your super is a bit lower at the moment, are you managing to put much away? Are you wanting to maybe look at extra contributions to kind of build on that moving forward? Yep. When... That's okay. When's that check gonna be? Fantastic. At the end of this month. Beautiful. So what I'll do is I'll aim to get this advice done before you go away. That way, it's all done and dusted for you. Okay. Beautiful. Not a problem at all. Other assets, just to make sure I've got everything correct here, is the the Isuzu that you have... The MUS you have, asset value 35,000. Would you change that at all? Yep. Fantastic. I've got rent sitting at $11,992 per month. That still correct? Yep. Beautiful. And I've got here content rough valuation about 120,000. Does that still sound accurate? Yes. Fantastic. Excellent. I've also got here just with your beneficiary nomination. I've got down here that is a 100% your son, Nathan. Is that still appropriate? You're still happy with that? Yep. Yep. Yep. That's that's fine. November or December. No worries. Did you want me at that time? I can send you an email probably mid November if you like just to double check if you want me to update that beneficiary for you. Yeah. Beautiful. Just to make it so you don't have to ring me, I can sort of prompt myself to email you or catch up with you just to say, hey. You mentioned you wanted to do this. Is now the right time? And if it's not, you can just let me know just to hold off. That's absolutely fine. Yeah. Excellent. And then just the other thing is just double checking with your insurance. Year, I've got your your life and CBD cover. You still got the same level from last time. So it's a $123,009.93. Showing here you don't have any income protection or trauma. Are you still happy with the level of insurance cover that you have? Are you wanting to review any of that? There is. Yes. That's okay. I'll make sure to bring it all up and review it again with you in January when we do the annual review. Easy. Perfect. So just to kinda recap there for you, Paul, I'm gonna go back, review your super and the portfolio, keep you in that high growth environment in 9010 split. We'll look at the next five to ten years, see where that's going. You're happy with the beneficiaries. No change of the insurances at all, and we're not doing contributions currently, and your income is at the same level as it was. Am I on the right track? Have I missed anything at all? Fantastic. And is there any other questions or anything else you might need from me at the moment at all? Yep. Beautiful. I'm just having a quick look here. I've also looked down in retirement. You're still hoping to draw about $800 per week for a comfortable retirement. Does that still sound fairly appropriate? Yep. Yeah. Beautiful. Well, leave that with me. I will definitely look at it. And down the track, we'll also look at age pension and other areas that we can kind of help you out in down the track as well. Okay? Excellent. Look. Thank you so much, Paul. What I'll do is I'll quickly book in another time to... In a few weeks just to come back and review the advice document. Now you've mentioned you're going away on the twenty fourth. Could I maybe book you into the afternoon of maybe Wednesday, the twenty first to go through the advice document? Would that be okay? That should be fine. Beautiful. What time suits you? I'm happy to do a later call. What time suits you the best? Easy. So what if I pop it in there for 05:30 for you? Yes. It is. The Tuesday before, that will be the twentieth. No. That's it. No. That's absolutely fine. So the Wednesday is the twenty first, and you're going away... The... Yes. No. That's absolutely fine. Yeah. Absolutely fine. So the Thursday, I am fully booked up, unfortunately, but I could do the Tuesday. It would be probably 06:00 Queensland time, which is seven your time. Is that gonna be okay just to run through that updated advice? Yes. Beautiful. It won't take long. It'll only be a nice quick call. I will just send you the document, run through the changes, let you ask any questions, and that'll be Tuesday the twentieth at 6PM my time to 7PM your time. That's alright? Beautiful. No. That's okay. Wanna make sure we get that all done and adjusted for you. When I see these things, we need to get them all quickly. That way, you know, things will keep working for you. That's the important part. Excellent. Look. I will let you go, Paul. Thank you so much for taking my call. I really appreciate your time, and I'll talk to you on the twentieth at 7PM your time. No no problem at all. Enjoy your night. Thanks, Paul. Talk soon. 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Paul. This is Dana from IC Financial. How are you today? I'm very well. Thank you.\n\nI just had to book in for a bit of a catch up. Is now still a good time there for you? Yes. No. That's absolutely fine.\n\nNot a problem at all. Before I jump into the call, just to let you know, with your recall, the call for quality and training purposes, are you happy to proceed with that? Legend. And just to do a quick security check there for you. So I'll just expand your full name, your date of birth, and address I should have on file for you.\n\nYep. Wonderful. Thank you so much for that. So, Paul, when we did get any review back in January, I may have mentioned we wanted to do a bit more in the way of catch up to make sure that we're giving you more of an update. The reason I've kind of wanted to have you booked in today is that I've been having a look at things for you.\n\nI know you've gone through your compassionate grounds release recently, which is great, but I've sort of had a bit of a look at your super and found that there's an underperforming investment so I'd really like to maybe update and have changed for you. Just sort of having a look at things, you had originally an actively managed fund in there for Benelon Australian Equities. And whilst we have seen lots of ups and downs in the market this year, but everything has been going on globally, that investment seems to be underperforming pretty heavily within your superannuation fund. So I kind of wanted to touch base with you to have a bit of a chat. Maybe talk about updating your advice and removing and updating your portfolio if you're open to me doing that for you.\n\nYeah. Absolutely. No. Definitely. And, look, it's a good time to do so because you've had that...\n\nThe funds withdrawn from your Compassionate Ground, so that kind of rebuilding is super there for you. I wanna take sure as part of doing reviews, I have a look at the investments and kind of notice when things aren't working and what we maybe need to do to update. And this is much of an older portfolio as well, so it's probably a good time to go forward and update that for you. One of the things I wanted to sort of find out was more about a preference. So so then along with a in equities investment, that was originally placed in your portfolio as an active manager, and you are in a high growth portfolio.\n\nOne of the things we sort of talked about last time was that you were comfortable being that high growth environment. You were sort of thinking you probably want to keep working or wouldn't access business till about age 65. Are you still comfortable being at a high growth environment? Are you still feeling like you're willing to take on more risk to get greater potential returns, or do you feel a bit more like you'd want to reduce it somewhat? Yeah.\n\nYeah. And that's kind of the the the side of it that we wanna look at is making sure that you're in a portfolio where you're taking a certain degree of risk that you're comfortable taking in order to get those greater potential returns and encourage that growth a little bit more. But at the same time, as you get closer to accessing super, pulling back as appropriate, Taking on more risk and getting greater potential returns is great when the market is good, but it also means that you're increasing the risk of a downside event. So when the market isn't performing well, taking more risk means you'll feel that downside a little bit more as well. With with the high growth portfolio that you're in at the moment, that high growth environment with that ninety ten sort of split between growth and the sensitive investment, growth investments are like shares, commodities, and property where you do see big fluctuations, and then that environment normally is 10% in that lower kind of risk area like cash, bonds, and fixed interest.\n\nThis sort of portfolio generally fit someone who is has more than eight years ahead of them before accessing their super because we understand the likelihood of a negative return is expected, generally, one in every five years. You're looking to try and obtain a long dated compounding return of eight to 10 over that time per year. You could stay in that for a little bit longer, but I sort of had a look at things. And, realistically, if you still wanna access sleep out of that age 65, It's realistically from December this year when your birthday comes around, only giving you about seven years. Do you feel like it might be time to pull things back a little bit, or do you wanna stay in that high growth until January when we review things again?\n\nWhat would you like? Oh, you are. I'm so sorry. My... Yeah.\n\nNo. Sorry. My apologies. I got the wrong year in here. My...\n\nSorry. I calculated in 2026, and it came out '57, and I assumed December. Linda, you're absolutely fine. Sorry. No.\n\nI hate to make you a year older than you really are. That's not fair in any way, people form. No. No. Yeah.\n\nNo. Absolutely. And, look, honestly, with that seven to eight year mark, that is generally when most clients are wanting to kind of pull things back a little bit and start to reduce their risk. But it's also an individual decision because you've had that withdrawal. Because your balance is a little bit lower, we also wanna entice it to grow some more.\n\nDid you want me to maybe update the portfolio and keep you high growth until January and we could reassess it then? Or do you want me to just move you back a little bit, maybe reduce the risk level by 10% and see what that does for you? Yep. Yeah. Yep.\n\nYeah. Absolutely. Perfect. Now did you want me to sort of look at... We do have ways...\n\nBecause I definitely wanna remove that bang along investment. I don't want this to be in your portfolio any longer. We're trying to sort of make it work a bit harder and move those underperforming investments currently. That investment, as I mentioned before, is an actively managed fund. To have an active manager in your portfolio, they're supposed to be trying to buy and sell and time the market and outperform against the market, and active managers can't honestly do that every year.\n\nAnd you do pay a bit more in the way of fees to have those investments in your portfolio. Would you like me to keep an active manager in there, or would you like me to maybe pull back the risk level and look at maybe reducing fees in your portfolio? Yeah. Which one? Sorry.\n\nActive manager? Absolutely not. No. So I have access to investments where I could remove that active investment manager out of there. I could put you into maybe a cheaper portfolio to save on some of the fees where possible, but still keep that high growth environment for you.\n\nYeah. Yep. Beautiful. Yeah. Beautiful.\n\nExcellent. And I'll keep that high growth ninety, ten split. I'll just note that we'll look at the next sort of five to ten years for you to see where there's tracking, and then we'll kind of just catch up in January again and see how things are tracking through your annual review. And then we'll kinda just take it every few months from there to see how you're going and when you wanna start reducing the risk level a little bit. How does that sound?\n\nBeautiful. What I can also do for you is I can also put in the appendices just a comparison against the recommended changes, but also in the growth portfolio just to see the... Show you the difference between the high growth and the growth. Would you like that? No.\n\nSo when I provide the advice document and we go through that with my recommendations, that'll all be with the high growth portfolio. But I can quick comparison, do the extra research for the growth portfolio, which is just dropping down that risk level. No worry about that. You're happy with that? You're absolutely fine.\n\nThat's not a problem at all. The only other thing just to kinda double check is just a few things to make sure the advice is appropriate income wise. I had you on. You were doing five days a week full time hours, $36 per hour there. Is that still fairly accurate?\n\nYeah. Beautiful. Fantastic. I've also got here a savings wise. Now because your super is a bit lower at the moment, are you managing to put much away?\n\nAre you wanting to maybe look at extra contributions to kind of build on that moving forward? Yep. When... That's okay. When's that check gonna be?\n\nFantastic. At the end of this month. Beautiful. So what I'll do is I'll aim to get this advice done before you go away. That way, it's all done and dusted for you.\n\nOkay. Beautiful. Not a problem at all. Other assets, just to make sure I've got everything correct here, is the the Isuzu that you have... The MUS you have, asset value 35,000.\n\nWould you change that at all? Yep. Fantastic. I've got rent sitting at $11,992 per month. That still correct?\n\nYep. Beautiful. And I've got here content rough valuation about 120,000. Does that still sound accurate? Yes.\n\nFantastic. Excellent. I've also got here just with your beneficiary nomination. I've got down here that is a 100% your son, Nathan. Is that still appropriate?\n\nYou're still happy with that? Yep. Yep. Yep. That's that's fine.\n\nNovember or December. No worries. Did you want me at that time? I can send you an email probably mid November if you like just to double check if you want me to update that beneficiary for you. Yeah.\n\nBeautiful. Just to make it so you don't have to ring me, I can sort of prompt myself to email you or catch up with you just to say, hey. You mentioned you wanted to do this. Is now the right time? And if it's not, you can just let me know just to hold off.\n\nThat's absolutely fine. Yeah. Excellent. And then just the other thing is just double checking with your insurance. Year, I've got your your life and CBD cover.\n\nYou still got the same level from last time. So it's a $123,009.93. Showing here you don't have any income protection or trauma. Are you still happy with the level of insurance cover that you have? Are you wanting to review any of that?\n\nThere is. Yes. That's okay. I'll make sure to bring it all up and review it again with you in January when we do the annual review. Easy.\n\nPerfect. So just to kinda recap there for you, Paul, I'm gonna go back, review your super and the portfolio, keep you in that high growth environment in 9010 split. We'll look at the next five to ten years, see where that's going. You're happy with the beneficiaries. No change of the insurances at all, and we're not doing contributions currently, and your income is at the same level as it was.\n\nAm I on the right track? Have I missed anything at all? Fantastic. And is there any other questions or anything else you might need from me at the moment at all? Yep.\n\nBeautiful. I'm just having a quick look here. I've also looked down in retirement. You're still hoping to draw about $800 per week for a comfortable retirement. Does that still sound fairly appropriate?\n\nYep. Yeah. Beautiful. Well, leave that with me. I will definitely look at it.\n\nAnd down the track, we'll also look at age pension and other areas that we can kind of help you out in down the track as well. Okay? Excellent. Look. Thank you so much, Paul.\n\nWhat I'll do is I'll quickly book in another time to... In a few weeks just to come back and review the advice document. Now you've mentioned you're going away on the twenty fourth. Could I maybe book you into the afternoon of maybe Wednesday, the twenty first to go through the advice document? Would that be okay?\n\nThat should be fine. Beautiful. What time suits you? I'm happy to do a later call. What time suits you the best?\n\nEasy. So what if I pop it in there for 05:30 for you? Yes. It is. The Tuesday before, that will be the twentieth.\n\nNo. That's it. No. That's absolutely fine. So the Wednesday is the twenty first, and you're going away...\n\nThe... Yes. No. That's absolutely fine. Yeah.\n\nAbsolutely fine. So the Thursday, I am fully booked up, unfortunately, but I could do the Tuesday. It would be probably 06:00 Queensland time, which is seven your time. Is that gonna be okay just to run through that updated advice? Yes.\n\nBeautiful. It won't take long. It'll only be a nice quick call. I will just send you the document, run through the changes, let you ask any questions, and that'll be Tuesday the twentieth at 6PM my time to 7PM your time. That's alright?\n\nBeautiful. No. That's okay. Wanna make sure we get that all done and adjusted for you. When I see these things, we need to get them all quickly.\n\nThat way, you know, things will keep working for you. That's the important part. Excellent. Look. I will let you go, Paul.\n\nThank you so much for taking my call. I really appreciate your time, and I'll talk to you on the twentieth at 7PM your time. No no problem at all. Enjoy your night. Thanks, Paul.\n\nTalk soon. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Paul.","start":3.84,"end":4.3199997,"sentiment":"neutral","sentiment_score":0.14956974983215332},{"text":"This is Dana from IC Financial.","start":4.3199997,"end":5.94,"sentiment":"neutral","sentiment_score":0.15562923873464266},{"text":"How are you today?","start":6.0,"end":6.98,"sentiment":"neutral","sentiment_score":0.18932020664215088},{"text":"I'm very well.","start":9.28,"end":10.24,"sentiment":"positive","sentiment_score":0.5957651933034261},{"text":"Thank you.","start":10.24,"end":10.98,"sentiment":"positive","sentiment_score":0.7116755545139313}],"sentiment":"neutral","sentiment_score":0.3059319086811122,"num_words":17,"start":3.84,"end":10.98},{"sentences":[{"text":"I just had to book in for a bit of a catch up.","start":11.28,"end":13.2,"sentiment":"neutral","sentiment_score":0.2558389294605989},{"text":"Is now still a good time there for you?","start":13.2,"end":15.299999,"sentiment":"neutral","sentiment_score":0.21914413405789268},{"text":"Yes.","start":19.615,"end":20.115,"sentiment":"neutral","sentiment_score":0.14772816002368927},{"text":"No.","start":20.494999,"end":20.735,"sentiment":"neutral","sentiment_score":0.20021702349185944},{"text":"That's absolutely fine.","start":20.735,"end":22.015,"sentiment":"neutral","sentiment_score":0.2990642786026001}],"sentiment":"neutral","sentiment_score":0.24234597440119143,"num_words":27,"start":11.28,"end":22.015},{"sentences":[{"text":"Not a problem at all.","start":22.015,"end":23.395,"sentiment":"neutral","sentiment_score":0.3078484833240509},{"text":"Before I jump into the call, just to let you know, with your recall, the call for quality and training purposes, are you happy to proceed with that?","start":23.535,"end":29.555,"sentiment":"neutral","sentiment_score":0.10672375506588391},{"text":"Legend.","start":32.15,"end":32.47,"sentiment":"neutral","sentiment_score":0.21784986555576324},{"text":"And just to do a quick security check there for you.","start":32.47,"end":34.63,"sentiment":"neutral","sentiment_score":0.11790303615006534},{"text":"So I'll just expand your full name, your date of birth, and address I should have on file for you.","start":34.63,"end":39.45,"sentiment":"neutral","sentiment_score":0.10688891038298606}],"sentiment":"neutral","sentiment_score":0.12584721583586472,"num_words":65,"start":22.015,"end":39.45},{"sentences":[{"text":"Yep.","start":42.15,"end":42.65,"sentiment":"neutral","sentiment_score":0.0385945588350296},{"text":"Wonderful.","start":46.635,"end":47.135,"sentiment":"positive","sentiment_score":0.6178432106971741},{"text":"Thank you so much for that.","start":47.195,"end":48.735,"sentiment":"positive","sentiment_score":0.7128427724043528},{"text":"So, Paul, when we did get any review back in January, I may have mentioned we wanted to do a bit more in the way of catch up to make sure that we're giving you more of an update.","start":48.875,"end":56.495,"sentiment":"neutral","sentiment_score":0.06464815149322534},{"text":"The reason I've kind of wanted to have you booked in today is that I've been having a look at things for you.","start":57.149998,"end":62.37,"sentiment":"neutral","sentiment_score":0.046967071359572204}],"sentiment":"neutral","sentiment_score":0.12192878504948956,"num_words":70,"start":42.15,"end":62.37},{"sentences":[{"text":"I know you've gone through your compassionate grounds release recently, which is great, but I've sort of had a bit of a look at your super and found that there's an underperforming investment so I'd really like to maybe update and have changed for you.","start":62.829998,"end":75.825005,"sentiment":"neutral","sentiment_score":-0.0430258523258898},{"text":"Just sort of having a look at things, you had originally an actively managed fund in there for Benelon Australian Equities.","start":77.08501,"end":83.745,"sentiment":"neutral","sentiment_score":-0.02034440625547653},{"text":"And whilst we have seen lots of ups and downs in the market this year, but everything has been going on globally, that investment seems to be underperforming pretty heavily within your superannuation fund.","start":83.805,"end":95.44,"sentiment":"neutral","sentiment_score":-0.12287634742610595},{"text":"So I kind of wanted to touch base with you to have a bit of a chat.","start":95.82,"end":99.12,"sentiment":"neutral","sentiment_score":0.05484034471652087},{"text":"Maybe talk about updating your advice and removing and updating your portfolio if you're open to me doing that for you.","start":99.405,"end":105.505,"sentiment":"neutral","sentiment_score":0.08700289045061384}],"sentiment":"neutral","sentiment_score":-0.027404674919376124,"num_words":138,"start":62.829998,"end":105.505},{"sentences":[{"text":"Yeah.","start":113.54,"end":114.020004,"sentiment":"positive","sentiment_score":0.5083858966827393},{"text":"Absolutely.","start":114.020004,"end":114.520004,"sentiment":"positive","sentiment_score":0.515476405620575},{"text":"No.","start":114.98,"end":115.22,"sentiment":"neutral","sentiment_score":0.26399752497673035},{"text":"Definitely.","start":115.22,"end":115.62,"sentiment":"positive","sentiment_score":0.3862876296043396},{"text":"And, look, it's a good time to do so because you've had that...","start":115.62,"end":118.020004,"sentiment":"positive","sentiment_score":0.4524800502336942}],"sentiment":"positive","sentiment_score":0.44449341823072996,"num_words":17,"start":113.54,"end":118.020004},{"sentences":[{"text":"The funds withdrawn from your Compassionate Ground, so that kind of rebuilding is super there for you.","start":118.020004,"end":122.68,"sentiment":"positive","sentiment_score":0.49318498898954954},{"text":"I wanna take sure as part of doing reviews, I have a look at the investments and kind of notice when things aren't working and what we maybe need to do to update.","start":123.14,"end":130.195,"sentiment":"neutral","sentiment_score":0.12950313898424307},{"text":"And this is much of an older portfolio as well, so it's probably a good time to go forward and update that for you.","start":130.195,"end":136.855,"sentiment":"neutral","sentiment_score":0.22599062820275626},{"text":"One of the things I wanted to sort of find out was more about a preference.","start":138.42,"end":141.79999,"sentiment":"neutral","sentiment_score":0.15705495607107878},{"text":"So so then along with a in equities investment, that was originally placed in your portfolio as an active manager, and you are in a high growth portfolio.","start":141.86,"end":150.36,"sentiment":"neutral","sentiment_score":0.138262462270047}],"sentiment":"neutral","sentiment_score":0.20733687895650077,"num_words":118,"start":118.020004,"end":150.36},{"sentences":[{"text":"One of the things we sort of talked about last time was that you were comfortable being that high growth environment.","start":151.155,"end":157.09499,"sentiment":"neutral","sentiment_score":0.16523534485271998},{"text":"You were sort of thinking you probably want to keep working or wouldn't access business till about age 65.","start":157.39499,"end":163.015,"sentiment":"neutral","sentiment_score":0.14672237242522992},{"text":"Are you still comfortable being at a high growth environment?","start":163.8,"end":166.86,"sentiment":"neutral","sentiment_score":0.18142344281077386},{"text":"Are you still feeling like you're willing to take on more risk to get greater potential returns, or do you feel a bit more like you'd want to reduce it somewhat?","start":166.92001,"end":174.54001,"sentiment":"neutral","sentiment_score":0.016158352816297163},{"text":"Yeah.","start":191.9,"end":192.4,"sentiment":"neutral","sentiment_score":-0.00036754272878170013}],"sentiment":"neutral","sentiment_score":0.10454198952037387,"num_words":82,"start":151.155,"end":192.4},{"sentences":[{"text":"Yeah.","start":198.45999,"end":198.95999,"sentiment":"neutral","sentiment_score":0.08625507354736328},{"text":"And that's kind of the the the side of it that we wanna look at is making sure that you're in a portfolio where you're taking a certain degree of risk that you're comfortable taking in order to get those greater potential returns and encourage that growth a little bit more.","start":199.01999,"end":212.595,"sentiment":"neutral","sentiment_score":0.157785731057326},{"text":"But at the same time, as you get closer to accessing super, pulling back as appropriate, Taking on more risk and getting greater potential returns is great when the market is good, but it also means that you're increasing the risk of a downside event.","start":212.655,"end":227.81999,"sentiment":"neutral","sentiment_score":-0.013902780579196082},{"text":"So when the market isn't performing well, taking more risk means you'll feel that downside a little bit more as well.","start":227.81999,"end":234.23999,"sentiment":"negative","sentiment_score":-0.35222093264261883},{"text":"With with the high growth portfolio that you're in at the moment, that high growth environment with that ninety ten sort of split between growth and the sensitive investment, growth investments are like shares, commodities, and property where you do see big fluctuations, and then that environment normally is 10% in that lower kind of risk area like cash, bonds, and fixed interest.","start":235.825,"end":259.57,"sentiment":"neutral","sentiment_score":0.07610697754555279}],"sentiment":"neutral","sentiment_score":0.027103879730839754,"num_words":181,"start":198.45999,"end":259.57},{"sentences":[{"text":"This sort of portfolio generally fit someone who is has more than eight years ahead of them before accessing their super because we understand the likelihood of a negative return is expected, generally, one in every five years.","start":260.19,"end":273.185,"sentiment":"neutral","sentiment_score":-0.06117951820947622},{"text":"You're looking to try and obtain a long dated compounding return of eight to 10 over that time per year.","start":274.045,"end":281.19998,"sentiment":"neutral","sentiment_score":-0.02897863816469908},{"text":"You could stay in that for a little bit longer, but I sort of had a look at things.","start":281.9,"end":285.82,"sentiment":"neutral","sentiment_score":-0.015189489643824728},{"text":"And, realistically, if you still wanna access sleep out of that age 65, It's realistically from December this year when your birthday comes around, only giving you about seven years.","start":285.82,"end":296.58502,"sentiment":"neutral","sentiment_score":0.09114867225289344},{"text":"Do you feel like it might be time to pull things back a little bit, or do you wanna stay in that high growth until January when we review things again?","start":296.58502,"end":304.345,"sentiment":"neutral","sentiment_score":0.1226053987779925}],"sentiment":"neutral","sentiment_score":0.024219078052303066,"num_words":138,"start":260.19,"end":304.345},{"sentences":[{"text":"What would you like?","start":304.345,"end":305.43,"sentiment":"neutral","sentiment_score":0.061666786670684814},{"text":"Oh, you are.","start":310.38998,"end":310.94998,"sentiment":"neutral","sentiment_score":-0.02799839402238528},{"text":"I'm so sorry.","start":310.94998,"end":311.85,"sentiment":"neutral","sentiment_score":-0.0734085850417614},{"text":"My...","start":312.15,"end":312.38998,"sentiment":"neutral","sentiment_score":-0.038823846727609634},{"text":"Yeah.","start":312.38998,"end":312.63,"sentiment":"neutral","sentiment_score":-0.03766720741987229}],"sentiment":"neutral","sentiment_score":-0.01117040372143189,"num_words":12,"start":304.345,"end":312.63},{"sentences":[{"text":"No.","start":312.63,"end":312.87,"sentiment":"neutral","sentiment_score":-0.08877801895141602},{"text":"Sorry.","start":312.87,"end":313.19,"sentiment":"neutral","sentiment_score":-0.10505368560552596},{"text":"My apologies.","start":313.19,"end":313.85,"sentiment":"neutral","sentiment_score":-0.14385287463665009},{"text":"I got the wrong year in here.","start":314.38998,"end":315.75,"sentiment":"neutral","sentiment_score":-0.181377506681851},{"text":"My...","start":315.75,"end":315.99,"sentiment":"neutral","sentiment_score":-0.04683627560734749}],"sentiment":"neutral","sentiment_score":-0.1498346896842122,"num_words":12,"start":312.63,"end":315.99},{"sentences":[{"text":"Sorry.","start":315.99,"end":316.22998,"sentiment":"neutral","sentiment_score":-0.056974656879901886},{"text":"I calculated in 2026, and it came out '57, and I assumed December.","start":316.22998,"end":321.21,"sentiment":"neutral","sentiment_score":-0.04018342781525392},{"text":"Linda, you're absolutely fine.","start":321.645,"end":323.165,"sentiment":"neutral","sentiment_score":0.11401354894042015},{"text":"Sorry.","start":323.165,"end":323.665,"sentiment":"neutral","sentiment_score":-0.10295499861240388},{"text":"No.","start":324.285,"end":324.605,"sentiment":"neutral","sentiment_score":-0.25439202785491943}],"sentiment":"neutral","sentiment_score":-0.024032602459192275,"num_words":20,"start":315.99,"end":324.605},{"sentences":[{"text":"I hate to make you a year older than you really are.","start":324.605,"end":327.005,"sentiment":"negative","sentiment_score":-0.335590993364652},{"text":"That's not fair in any way, people form.","start":327.005,"end":329.26498,"sentiment":"negative","sentiment_score":-0.3888485636562109},{"text":"No.","start":336.31,"end":336.63,"sentiment":"neutral","sentiment_score":-0.17804455757141113},{"text":"No.","start":336.63,"end":337.11,"sentiment":"neutral","sentiment_score":-0.111050546169281},{"text":"Yeah.","start":337.11,"end":337.61,"sentiment":"neutral","sentiment_score":0.0933365598320961}],"sentiment":"neutral","sentiment_score":-0.3188538684145264,"num_words":23,"start":324.605,"end":337.61},{"sentences":[{"text":"No.","start":340.63,"end":340.87,"sentiment":"neutral","sentiment_score":0.09617239981889723},{"text":"Absolutely.","start":340.87,"end":341.37,"sentiment":"neutral","sentiment_score":0.3021111786365509},{"text":"And, look, honestly, with that seven to eight year mark, that is generally when most clients are wanting to kind of pull things back a little bit and start to reduce their risk.","start":341.75,"end":349.365,"sentiment":"neutral","sentiment_score":0.2391142084291487},{"text":"But it's also an individual decision because you've had that withdrawal.","start":349.365,"end":353.22498,"sentiment":"neutral","sentiment_score":0.3245920078320937},{"text":"Because your balance is a little bit lower, we also wanna entice it to grow some more.","start":353.285,"end":357.625,"sentiment":"positive","sentiment_score":0.44052481300690594}],"sentiment":"neutral","sentiment_score":0.307118831172822,"num_words":63,"start":340.63,"end":357.625},{"sentences":[{"text":"Did you want me to maybe update the portfolio and keep you high growth until January and we could reassess it then?","start":357.76498,"end":364.35,"sentiment":"neutral","sentiment_score":0.17722037129781462},{"text":"Or do you want me to just move you back a little bit, maybe reduce the risk level by 10% and see what that does for you?","start":364.35,"end":371.25,"sentiment":"neutral","sentiment_score":0.11582780477625353},{"text":"Yep.","start":375.31,"end":375.81,"sentiment":"neutral","sentiment_score":0.024213537573814392},{"text":"Yeah.","start":381.825,"end":382.325,"sentiment":"neutral","sentiment_score":0.0544862300157547},{"text":"Yep.","start":386.225,"end":386.725,"sentiment":"neutral","sentiment_score":0.13955488801002502}],"sentiment":"neutral","sentiment_score":0.13931641448289156,"num_words":52,"start":357.76498,"end":386.725},{"sentences":[{"text":"Yeah.","start":390.18002,"end":390.68002,"sentiment":"neutral","sentiment_score":0.17951786518096924},{"text":"Absolutely.","start":390.74002,"end":391.24002,"sentiment":"neutral","sentiment_score":0.3195633292198181},{"text":"Perfect.","start":391.7,"end":392.2,"sentiment":"positive","sentiment_score":0.3750683069229126},{"text":"Now did you want me to sort of look at...","start":392.82,"end":394.66,"sentiment":"neutral","sentiment_score":0.020403510332107543},{"text":"We do have ways...","start":394.66,"end":396.36002,"sentiment":"neutral","sentiment_score":-0.045228879898786545}],"sentiment":"neutral","sentiment_score":0.05278053441468407,"num_words":17,"start":390.18002,"end":396.36002},{"sentences":[{"text":"Because I definitely wanna remove that bang along investment.","start":396.82,"end":399.64,"sentiment":"neutral","sentiment_score":-0.18952806128395927},{"text":"I don't want this to be in your portfolio any longer.","start":399.7,"end":402.29498,"sentiment":"neutral","sentiment_score":-0.2924853658134287},{"text":"We're trying to sort of make it work a bit harder and move those underperforming investments currently.","start":402.29498,"end":406.79498,"sentiment":"neutral","sentiment_score":-0.18575935153400197},{"text":"That investment, as I mentioned before, is an actively managed fund.","start":407.655,"end":411.115,"sentiment":"neutral","sentiment_score":-0.032716653902422295},{"text":"To have an active manager in your portfolio, they're supposed to be trying to buy and sell and time the market and outperform against the market, and active managers can't honestly do that every year.","start":411.25497,"end":422.13,"sentiment":"neutral","sentiment_score":0.004323788998382432}],"sentiment":"neutral","sentiment_score":-0.09987410999475474,"num_words":83,"start":396.82,"end":422.13},{"sentences":[{"text":"And you do pay a bit more in the way of fees to have those investments in your portfolio.","start":422.59,"end":427.02502,"sentiment":"neutral","sentiment_score":0.0052639379313117575},{"text":"Would you like me to keep an active manager in there, or would you like me to maybe pull back the risk level and look at maybe reducing fees in your portfolio?","start":427.24503,"end":435.98502,"sentiment":"neutral","sentiment_score":0.008922143548261374},{"text":"Yeah.","start":440.3,"end":440.69998,"sentiment":"neutral","sentiment_score":0.02442680299282074},{"text":"Which one?","start":440.69998,"end":441.34,"sentiment":"neutral","sentiment_score":-0.009698566049337387},{"text":"Sorry.","start":441.34,"end":441.84,"sentiment":"neutral","sentiment_score":-0.052780985832214355}],"sentiment":"neutral","sentiment_score":0.0061413108963857994,"num_words":55,"start":422.59,"end":441.84},{"sentences":[{"text":"Active manager?","start":454.965,"end":456.26498,"sentiment":"neutral","sentiment_score":-0.06671943701803684},{"text":"Absolutely not.","start":466.405,"end":467.60498,"sentiment":"neutral","sentiment_score":-0.29311423748731613},{"text":"No.","start":467.60498,"end":467.925,"sentiment":"neutral","sentiment_score":-0.21329709887504575},{"text":"So I have access to investments where I could remove that active investment manager out of there.","start":467.925,"end":472.78,"sentiment":"neutral","sentiment_score":-0.10315576414851581},{"text":"I could put you into maybe a cheaper portfolio to save on some of the fees where possible, but still keep that high growth environment for you.","start":472.78,"end":481.5,"sentiment":"neutral","sentiment_score":0.007992765555779139}],"sentiment":"neutral","sentiment_score":-0.05042464833478538,"num_words":49,"start":454.965,"end":481.5},{"sentences":[{"text":"Yeah.","start":481.5,"end":481.9,"sentiment":"neutral","sentiment_score":0.1253701001405716},{"text":"Yep.","start":481.9,"end":482.3,"sentiment":"neutral","sentiment_score":0.18531805276870728},{"text":"Beautiful.","start":482.3,"end":482.8,"sentiment":"positive","sentiment_score":0.539368748664856},{"text":"Yeah.","start":484.86002,"end":485.36002,"sentiment":"neutral","sentiment_score":0.32497692108154297},{"text":"Beautiful.","start":485.42,"end":485.92,"sentiment":"positive","sentiment_score":0.6131094694137573}],"sentiment":"positive","sentiment_score":0.357628658413887,"num_words":5,"start":481.5,"end":485.92},{"sentences":[{"text":"Excellent.","start":487.415,"end":487.915,"sentiment":"positive","sentiment_score":0.6360242366790771},{"text":"And I'll keep that high growth ninety, ten split.","start":488.375,"end":490.615,"sentiment":"positive","sentiment_score":0.38994239105118644},{"text":"I'll just note that we'll look at the next sort of five to ten years for you to see where there's tracking, and then we'll kind of just catch up in January again and see how things are tracking through your annual review.","start":490.615,"end":501.355,"sentiment":"neutral","sentiment_score":0.15378084796112637},{"text":"And then we'll kinda just take it every few months from there to see how you're going and when you wanna start reducing the risk level a little bit.","start":501.53,"end":508.33002,"sentiment":"neutral","sentiment_score":0.11976017815799549},{"text":"How does that sound?","start":508.33002,"end":509.47,"sentiment":"neutral","sentiment_score":0.08407572098076344}],"sentiment":"neutral","sentiment_score":0.16938872405782687,"num_words":86,"start":487.415,"end":509.47},{"sentences":[{"text":"Beautiful.","start":512.65,"end":513.15,"sentiment":"positive","sentiment_score":0.5832223892211914},{"text":"What I can also do for you is I can also put in the appendices just a comparison against the recommended changes, but also in the growth portfolio just to see the...","start":513.685,"end":524.98505,"sentiment":"neutral","sentiment_score":0.08462618745397776},{"text":"Show you the difference between the high growth and the growth.","start":525.04504,"end":527.685,"sentiment":"neutral","sentiment_score":0.012269228188828989},{"text":"Would you like that?","start":527.685,"end":528.81,"sentiment":"neutral","sentiment_score":0.03290131036192179},{"text":"No.","start":535.52997,"end":535.77,"sentiment":"neutral","sentiment_score":-0.039372410625219345}],"sentiment":"neutral","sentiment_score":0.07180519854383809,"num_words":49,"start":512.65,"end":535.77},{"sentences":[{"text":"So when I provide the advice document and we go through that with my recommendations, that'll all be with the high growth portfolio.","start":535.77,"end":542.35,"sentiment":"neutral","sentiment_score":0.02199081598740557},{"text":"But I can quick comparison, do the extra research for the growth portfolio, which is just dropping down that risk level.","start":542.685,"end":549.585,"sentiment":"neutral","sentiment_score":0.04587174925420966},{"text":"No worry about that.","start":550.685,"end":551.90497,"sentiment":"neutral","sentiment_score":0.13081014156341553},{"text":"You're happy with that?","start":552.285,"end":553.505,"sentiment":"neutral","sentiment_score":0.3011096268892288},{"text":"You're absolutely fine.","start":555.645,"end":557.005,"sentiment":"positive","sentiment_score":0.402246097723643}],"sentiment":"neutral","sentiment_score":0.08006387034600432,"num_words":55,"start":535.77,"end":557.005},{"sentences":[{"text":"That's not a problem at all.","start":557.005,"end":558.6,"sentiment":"positive","sentiment_score":0.4096844047307968},{"text":"The only other thing just to kinda double check is just a few things to make sure the advice is appropriate income wise.","start":558.92,"end":564.86,"sentiment":"neutral","sentiment_score":0.09563244717276614},{"text":"I had you on.","start":565.16,"end":566.38,"sentiment":"neutral","sentiment_score":0.04189780727028847},{"text":"You were doing five days a week full time hours, $36 per hour there.","start":566.44,"end":571.48,"sentiment":"neutral","sentiment_score":0.06130267945783479},{"text":"Is that still fairly accurate?","start":571.48,"end":573.01996,"sentiment":"neutral","sentiment_score":0.07747052237391472}],"sentiment":"neutral","sentiment_score":0.11674680897536185,"num_words":52,"start":557.005,"end":573.01996},{"sentences":[{"text":"Yeah.","start":575.865,"end":576.345,"sentiment":"neutral","sentiment_score":0.2230485826730728},{"text":"Beautiful.","start":576.345,"end":576.845,"sentiment":"positive","sentiment_score":0.6095945835113525},{"text":"Fantastic.","start":576.90497,"end":577.40497,"sentiment":"positive","sentiment_score":0.6792001128196716},{"text":"I've also got here a savings wise.","start":578.90497,"end":582.26495,"sentiment":"positive","sentiment_score":0.3371921958667891},{"text":"Now because your super is a bit lower at the moment, are you managing to put much away?","start":582.26495,"end":586.425,"sentiment":"neutral","sentiment_score":-0.11973108992808396}],"sentiment":"neutral","sentiment_score":0.061322465405932496,"num_words":28,"start":575.865,"end":586.425},{"sentences":[{"text":"Are you wanting to maybe look at extra contributions to kind of build on that moving forward?","start":586.425,"end":594.08997,"sentiment":"neutral","sentiment_score":-0.06306251773939413},{"text":"Yep.","start":597.82996,"end":598.32996,"sentiment":"neutral","sentiment_score":0.00521312840282917},{"text":"When...","start":604.445,"end":604.845,"sentiment":"neutral","sentiment_score":-0.004165203310549259},{"text":"That's okay.","start":604.845,"end":605.325,"sentiment":"neutral","sentiment_score":0.02330426312983036},{"text":"When's that check gonna be?","start":605.325,"end":606.865,"sentiment":"neutral","sentiment_score":0.0058377647772431375}],"sentiment":"neutral","sentiment_score":-0.03827759716659784,"num_words":26,"start":586.425,"end":606.865},{"sentences":[{"text":"Fantastic.","start":611.805,"end":612.305,"sentiment":"positive","sentiment_score":0.5858117341995239},{"text":"At the end of this month.","start":613.165,"end":614.205,"sentiment":"neutral","sentiment_score":0.3236630807320277},{"text":"Beautiful.","start":614.205,"end":614.705,"sentiment":"positive","sentiment_score":0.5688715577125549},{"text":"So what I'll do is I'll aim to get this advice done before you go away.","start":614.765,"end":618.52496,"sentiment":"neutral","sentiment_score":0.2544611310586333},{"text":"That way, it's all done and dusted for you.","start":618.52496,"end":621.08,"sentiment":"neutral","sentiment_score":0.31280532479286194}],"sentiment":"neutral","sentiment_score":0.3025238726175193,"num_words":33,"start":611.805,"end":621.08},{"sentences":[{"text":"Okay.","start":625.94,"end":626.44,"sentiment":"neutral","sentiment_score":0.15940436720848083},{"text":"Beautiful.","start":626.58,"end":627.08,"sentiment":"neutral","sentiment_score":0.3046562969684601},{"text":"Not a problem at all.","start":628.26,"end":629.72003,"sentiment":"neutral","sentiment_score":0.09841910600662232},{"text":"Other assets, just to make sure I've got everything correct here, is the the Isuzu that you have...","start":630.26,"end":636.315,"sentiment":"neutral","sentiment_score":0.03785770862466759},{"text":"The MUS you have, asset value 35,000.","start":636.315,"end":639.195,"sentiment":"neutral","sentiment_score":-0.004400322147245918}],"sentiment":"neutral","sentiment_score":0.050212271700729616,"num_words":32,"start":625.94,"end":639.195},{"sentences":[{"text":"Would you change that at all?","start":639.195,"end":640.655,"sentiment":"neutral","sentiment_score":-0.010347487560162941},{"text":"Yep.","start":644.955,"end":645.435,"sentiment":"neutral","sentiment_score":0.10333522409200668},{"text":"Fantastic.","start":645.435,"end":645.935,"sentiment":"positive","sentiment_score":0.4089304804801941},{"text":"I've got rent sitting at $11,992 per month.","start":646.315,"end":650.85,"sentiment":"neutral","sentiment_score":0.20448690187186003},{"text":"That still correct?","start":650.85,"end":651.82996,"sentiment":"neutral","sentiment_score":0.1034118781487147}],"sentiment":"neutral","sentiment_score":0.12612166466485514,"num_words":19,"start":639.195,"end":651.82996},{"sentences":[{"text":"Yep.","start":654.61,"end":654.93,"sentiment":"neutral","sentiment_score":0.14435631036758423},{"text":"Beautiful.","start":654.93,"end":655.43,"sentiment":"positive","sentiment_score":0.3644963502883911},{"text":"And I've got here content rough valuation about 120,000.","start":655.56995,"end":659.56995,"sentiment":"neutral","sentiment_score":0.12381911443339454},{"text":"Does that still sound 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appropriate?","start":673.115,"end":674.15497,"sentiment":"neutral","sentiment_score":0.1470680646598339}],"sentiment":"neutral","sentiment_score":0.22316449823287818,"num_words":26,"start":664.69,"end":674.15497},{"sentences":[{"text":"You're still happy with that?","start":674.15497,"end":675.535,"sentiment":"neutral","sentiment_score":0.1373397648334503},{"text":"Yep.","start":678.555,"end":678.96,"sentiment":"neutral","sentiment_score":0.019121699035167698},{"text":"Yep.","start":680.80005,"end":681.30005,"sentiment":"neutral","sentiment_score":0.0397736132144928},{"text":"Yep.","start":686.88,"end":687.28,"sentiment":"neutral","sentiment_score":0.10066785663366318},{"text":"That's that's fine.","start":687.28,"end":688.34,"sentiment":"neutral","sentiment_score":0.13801394402980804}],"sentiment":"neutral","sentiment_score":0.11457307501272722,"num_words":11,"start":674.15497,"end":688.34},{"sentences":[{"text":"November or December.","start":688.96,"end":690.08,"sentiment":"neutral","sentiment_score":0.05050519791742166},{"text":"No worries.","start":690.08,"end":690.48004,"sentiment":"neutral","sentiment_score":0.10113304108381271},{"text":"Did you want me at that time?","start":690.48004,"end":691.76,"sentiment":"neutral","sentiment_score":0.05721960376415934},{"text":"I can send you an email probably mid November if you like just to double check if you want me to update that beneficiary for you.","start":691.76,"end":698.415,"sentiment":"neutral","sentiment_score":0.13216545088933065},{"text":"Yeah.","start":701.035,"end":701.355,"sentiment":"positive","sentiment_score":0.3431086540222168}],"sentiment":"neutral","sentiment_score":0.11624946870291844,"num_words":39,"start":688.96,"end":701.355},{"sentences":[{"text":"Beautiful.","start":701.355,"end":701.855,"sentiment":"positive","sentiment_score":0.5134794116020203},{"text":"Just to make it so you don't have to ring me, I can sort of prompt myself to email you or catch up with you just to say, hey.","start":701.915,"end":708.06,"sentiment":"neutral","sentiment_score":0.2480329791533536},{"text":"You mentioned you wanted to do this.","start":708.14,"end":709.58,"sentiment":"neutral","sentiment_score":-0.0007403441039579255},{"text":"Is now the right time?","start":709.58,"end":710.62,"sentiment":"neutral","sentiment_score":-0.002165723778307438},{"text":"And if it's not, you can just let me know just to hold off.","start":710.62,"end":713.02,"sentiment":"neutral","sentiment_score":-0.07596734086317676}],"sentiment":"neutral","sentiment_score":0.11833717870259923,"num_words":56,"start":701.355,"end":713.02},{"sentences":[{"text":"That's absolutely fine.","start":713.02,"end":714.32,"sentiment":"neutral","sentiment_score":0.24576450884342194},{"text":"Yeah.","start":714.46,"end":714.96,"sentiment":"neutral","sentiment_score":0.1672874391078949},{"text":"Excellent.","start":716.7,"end":717.2,"sentiment":"positive","sentiment_score":0.6302363872528076},{"text":"And then just the other thing is just double checking with your insurance.","start":717.34,"end":720.4,"sentiment":"neutral","sentiment_score":0.15091423461070427},{"text":"Year, I've got your your life and CBD cover.","start":720.705,"end":723.825,"sentiment":"neutral","sentiment_score":0.07973387878802088}],"sentiment":"neutral","sentiment_score":0.15608545599712265,"num_words":27,"start":713.02,"end":723.825},{"sentences":[{"text":"You still got the same level from last time.","start":723.825,"end":725.825,"sentiment":"neutral","sentiment_score":0.07671617219845454},{"text":"So it's a $123,009.93.","start":725.825,"end":728.965,"sentiment":"neutral","sentiment_score":0.04174294276162982},{"text":"Showing here you don't have any income protection or trauma.","start":729.585,"end":732.305,"sentiment":"neutral","sentiment_score":-0.10344389230012893},{"text":"Are you still happy with the level of insurance cover that you have?","start":732.305,"end":735.265,"sentiment":"neutral","sentiment_score":-0.00013226643204689012},{"text":"Are you wanting to review any of that?","start":735.265,"end":741.16,"sentiment":"neutral","sentiment_score":0.017638764227740467}],"sentiment":"neutral","sentiment_score":-0.0008552489082582972,"num_words":44,"start":723.825,"end":741.16},{"sentences":[{"text":"There is.","start":741.16,"end":741.89996,"sentiment":"neutral","sentiment_score":0.06599510461091995},{"text":"Yes.","start":741.96,"end":742.2,"sentiment":"neutral","sentiment_score":0.11522696912288666},{"text":"That's okay.","start":742.2,"end":742.76,"sentiment":"neutral","sentiment_score":0.21059397608041763},{"text":"I'll make sure to bring it all up and review it again with you in January when we do the annual review.","start":742.76,"end":747.74,"sentiment":"neutral","sentiment_score":0.1325159506364302},{"text":"Easy.","start":747.96,"end":748.46,"sentiment":"positive","sentiment_score":0.38526803255081177}],"sentiment":"neutral","sentiment_score":0.1417508598949228,"num_words":28,"start":741.16,"end":748.46},{"sentences":[{"text":"Perfect.","start":750.295,"end":750.795,"sentiment":"positive","sentiment_score":0.4943389892578125},{"text":"So just to kinda recap there for you, Paul, I'm gonna go back, review your super and the portfolio, keep you in that high growth environment in 9010 split.","start":750.855,"end":759.09503,"sentiment":"neutral","sentiment_score":0.20053592992239985},{"text":"We'll look at the next five to ten years, see where that's going.","start":759.09503,"end":761.97504,"sentiment":"neutral","sentiment_score":0.1369100883603096},{"text":"You're happy with the beneficiaries.","start":761.97504,"end":763.55,"sentiment":"neutral","sentiment_score":0.3149612307548523},{"text":"No change of the insurances at all, and we're not doing contributions currently, and your income is at the same level as it was.","start":763.69,"end":770.97003,"sentiment":"neutral","sentiment_score":0.07473379249374072}],"sentiment":"neutral","sentiment_score":0.15914068443493712,"num_words":72,"start":750.295,"end":770.97003},{"sentences":[{"text":"Am I on the right track?","start":770.97003,"end":772.09,"sentiment":"neutral","sentiment_score":0.04711392273505529},{"text":"Have I missed anything at all?","start":772.09,"end":773.87,"sentiment":"neutral","sentiment_score":-0.015579947891334692},{"text":"Fantastic.","start":778.065,"end":778.565,"sentiment":"positive","sentiment_score":0.5199611186981201},{"text":"And is there any other questions or anything else you might need from me at the moment at all?","start":778.705,"end":783.205,"sentiment":"neutral","sentiment_score":0.13324254790419027},{"text":"Yep.","start":787.025,"end":787.525,"sentiment":"neutral","sentiment_score":0.12580007314682007}],"sentiment":"neutral","sentiment_score":0.10201737730566299,"num_words":33,"start":770.97003,"end":787.525},{"sentences":[{"text":"Beautiful.","start":787.98505,"end":788.48505,"sentiment":"neutral","sentiment_score":0.2502029836177826},{"text":"I'm just having a quick look here.","start":788.705,"end":790.145,"sentiment":"neutral","sentiment_score":0.10793835989066533},{"text":"I've also looked down in retirement.","start":790.145,"end":791.60504,"sentiment":"neutral","sentiment_score":0.007051021791994572},{"text":"You're still hoping to draw about $800 per week for a comfortable retirement.","start":791.66504,"end":796.07,"sentiment":"neutral","sentiment_score":0.03678378419807324},{"text":"Does that still sound fairly appropriate?","start":796.07,"end":797.93,"sentiment":"neutral","sentiment_score":0.04049418245752653}],"sentiment":"neutral","sentiment_score":0.05361308857347026,"num_words":33,"start":787.98505,"end":797.93},{"sentences":[{"text":"Yep.","start":803.91,"end":804.41,"sentiment":"neutral","sentiment_score":0.07133068144321442},{"text":"Yeah.","start":806.125,"end":806.36505,"sentiment":"neutral","sentiment_score":0.19425681233406067},{"text":"Beautiful.","start":806.36505,"end":806.86505,"sentiment":"positive","sentiment_score":0.368721604347229},{"text":"Well, leave that with me.","start":806.92505,"end":807.885,"sentiment":"neutral","sentiment_score":0.18964800238609314},{"text":"I will definitely look at it.","start":807.885,"end":809.16504,"sentiment":"neutral","sentiment_score":0.23254086822271347}],"sentiment":"neutral","sentiment_score":0.2126995942422322,"num_words":14,"start":803.91,"end":809.16504},{"sentences":[{"text":"And down the track, we'll also look at age pension and other areas that we can kind of help you out in down the track as well.","start":809.16504,"end":815.565,"sentiment":"neutral","sentiment_score":0.19427597881467254},{"text":"Okay?","start":815.565,"end":816.065,"sentiment":"neutral","sentiment_score":0.1557970941066742},{"text":"Excellent.","start":818.51,"end":818.91,"sentiment":"positive","sentiment_score":0.4818500876426697},{"text":"Look.","start":818.91,"end":819.15,"sentiment":"positive","sentiment_score":0.35376718640327454},{"text":"Thank you so much, Paul.","start":819.15,"end":820.11,"sentiment":"positive","sentiment_score":0.5248413532972336}],"sentiment":"neutral","sentiment_score":0.2531735017895699,"num_words":35,"start":809.16504,"end":820.11},{"sentences":[{"text":"What I'll do is I'll quickly book in another time to...","start":820.11,"end":822.67,"sentiment":"neutral","sentiment_score":0.016665685413913292},{"text":"In a few weeks just to come back and review the advice 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you?","start":845.285,"end":846.32495,"sentiment":"neutral","sentiment_score":0.2342149168252945},{"text":"I'm happy to do a later call.","start":846.32495,"end":847.925,"sentiment":"positive","sentiment_score":0.3998161128589085},{"text":"What time suits you the best?","start":847.925,"end":849.42,"sentiment":"neutral","sentiment_score":0.13256122544407845}],"sentiment":"neutral","sentiment_score":0.2940878702158278,"num_words":22,"start":843.845,"end":849.42},{"sentences":[{"text":"Easy.","start":853.57996,"end":854.07996,"sentiment":"neutral","sentiment_score":0.17295017838478088},{"text":"So what if I pop it in there for 05:30 for you?","start":854.22,"end":857.44,"sentiment":"neutral","sentiment_score":0.05956443306058645},{"text":"Yes.","start":860.94,"end":861.44,"sentiment":"neutral","sentiment_score":0.04727352410554886},{"text":"It is.","start":862.54,"end":863.115,"sentiment":"neutral","sentiment_score":0.04883492738008499},{"text":"The Tuesday before, that will be the twentieth.","start":868.555,"end":873.21497,"sentiment":"neutral","sentiment_score":0.012075889273546636}],"sentiment":"neutral","sentiment_score":0.04705307784024626,"num_words":24,"start":853.57996,"end":873.21497},{"sentences":[{"text":"No.","start":877.595,"end":877.83496,"sentiment":"neutral","sentiment_score":-0.10374978184700012},{"text":"That's it.","start":877.83496,"end":878.49,"sentiment":"neutral","sentiment_score":-0.05561274662613869},{"text":"No.","start":879.61,"end":879.85,"sentiment":"neutral","sentiment_score":-0.04602383077144623},{"text":"That's absolutely fine.","start":879.85,"end":881.07,"sentiment":"neutral","sentiment_score":0.0409066379070282},{"text":"So the Wednesday is the twenty first, and you're going 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long.","start":915.69995,"end":916.57996,"sentiment":"positive","sentiment_score":0.40442588925361633},{"text":"It'll only be a nice quick call.","start":916.57996,"end":918.25995,"sentiment":"positive","sentiment_score":0.39634244782584055},{"text":"I will just send you the document, run through the changes, let you ask any questions, and that'll be Tuesday the twentieth at 6PM my time to 7PM your time.","start":918.25995,"end":927.465,"sentiment":"neutral","sentiment_score":0.2120841311911742},{"text":"That's alright?","start":927.465,"end":928.205,"sentiment":"neutral","sentiment_score":0.13856085389852524}],"sentiment":"neutral","sentiment_score":0.2623871715570038,"num_words":44,"start":915.22,"end":928.205},{"sentences":[{"text":"Beautiful.","start":930.185,"end":930.685,"sentiment":"positive","sentiment_score":0.5397695899009705},{"text":"No.","start":931.145,"end":931.465,"sentiment":"neutral","sentiment_score":0.013855945318937302},{"text":"That's okay.","start":931.465,"end":932.025,"sentiment":"neutral","sentiment_score":0.047214142978191376},{"text":"Wanna make sure we get that all done and adjusted for you.","start":932.025,"end":934.925,"sentiment":"neutral","sentiment_score":0.16083652464052042},{"text":"When I see these things, we need to get them all quickly.","start":934.985,"end":937.76,"sentiment":"neutral","sentiment_score":0.09105366856480639}],"sentiment":"neutral","sentiment_score":0.1310977192728647,"num_words":28,"start":930.185,"end":937.76},{"sentences":[{"text":"That way, you know, things will keep working for you.","start":937.76,"end":940.16003,"sentiment":"positive","sentiment_score":0.6458082735538483},{"text":"That's the important 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all.","start":956.59503,"end":958.115,"sentiment":"positive","sentiment_score":0.6155185580253602},{"text":"Enjoy your night.","start":958.115,"end":959.255,"sentiment":"positive","sentiment_score":0.7483017245928446},{"text":"Thanks, Paul.","start":961.475,"end":962.435,"sentiment":"positive","sentiment_score":0.3380955755710602}],"sentiment":"positive","sentiment_score":0.6731242571558271,"num_words":35,"start":946.0,"end":962.435},{"sentences":[{"text":"Talk soon.","start":962.435,"end":963.155,"sentiment":"neutral","sentiment_score":0.14712193235754967},{"text":"Bye.","start":963.155,"end":963.655,"sentiment":"neutral","sentiment_score":-0.10813374072313307}],"sentiment":"neutral","sentiment_score":0.06203670799732208,"num_words":3,"start":962.435,"end":963.655}]}}]},{"alternatives":[{"transcript":"Not too bad. Yourself? Yeah. I've got about twenty minutes or so up, I believe, so that should be fine. Yes. Of course. That's fine. It's full sleeve bar, 18 Escape Drive Doreen, 17th To the 12th 1969. Yep. Yes. A 100%. Anything that works anything that works better than what's currently there is not a bad thing. Yes. Yes. Yep. Well, I don't want it to be I don't want it to be too conservative because then it will grow too slowly. So it it depends it it depends if there's, like, a a level playing field. I mean, I'm not really sure. I mean, obviously, the higher the growth, the better, but you also don't wanna take too many chances and lose everything. So Yeah. I'm turning 67, so that's... Isn't that eight years? No. That's okay. It really doesn't matter. You know, between '56 and 57, it is not a big deal. So it's not like she called me 80 82 or something, so it's fine. Yes. No. Let's keep it till January, February because my because my Subaru is is incredibly low compared to other people my age. You know? I've got I've got a fair bit of catch up to do. So, you know, if if it if it if it increases, then that's a bonus. Yes. Yep. That's fine with me too. Well, I mean, if you're... Is it a is it a two way street? Like, if I keep the if I keep the risk at its level, do we need to keep the... Sorry. What did you call them? Yeah. Yeah. So do we need to keep the active manager if we keep the risk level the same? Yep. That's fine with me. That's fine with me. Yes. Yep. Yep. That's fine. That sounds good, actually. In regards to... What do you mean? As in, like, an email or what do you mean? That is accurate. Yes. Not at this moment because we're we're looking at another overseas trip. So we'll probably wait until after that overseas trip, and then we'll we'll assess it there. At the end of this month, we're going for two weeks. Yep. Yeah. We leave on the twenty fourth, and we're back on the seventh. So No. No. That would still be around the same. Yes. That's still correct. Yes. That would still sound accurate. Yes. For the moment, that will eventually change, but I'll probably change that either in November or December. So Yeah. That's fine with me. Not a problem. No. It's fine. Because stay as it is. Thank you. Yeah. Yep. You have not. That was that was very good. Not at this present time. That all seems good. That depends on how long I can do that for, but 800 a week would be good. Yeah. Wonderful. Yeah. That should be fine. That should be fine. Yeah. Anytime after five. Oh, hang on a minute. Was that a Wednesday? You wanna do it the... Can you do it the Tuesday before? Or the Thursday or the or the Thursday after. Either one. I'm busy the Wednesday night. That's all. The twenty fourth? But I'm gonna be busy that Wednesday seeing family. So if we can do it either the Tuesday or the Thursday. Yeah. That's fine. Yeah. That's fine. Yeah. Yeah. Yeah. No. That's fine. Yeah. No problem. No. No. What do you think? Thank you for that. Yes. Wonderful. Cheers, hon. Thank you. I appreciate that. You too. Be down. 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too bad. Yourself? Yeah. I've got about twenty minutes or so up, I believe, so that should be fine. Yes.\n\nOf course. That's fine. It's full sleeve bar, 18 Escape Drive Doreen, 17th To the 12th 1969. Yep. Yes.\n\nA 100%. Anything that works anything that works better than what's currently there is not a bad thing. Yes. Yes. Yep.\n\nWell, I don't want it to be I don't want it to be too conservative because then it will grow too slowly. So it it depends it it depends if there's, like, a a level playing field. I mean, I'm not really sure. I mean, obviously, the higher the growth, the better, but you also don't wanna take too many chances and lose everything. So Yeah.\n\nI'm turning 67, so that's... Isn't that eight years? No. That's okay. It really doesn't matter.\n\nYou know, between '56 and 57, it is not a big deal. So it's not like she called me 80 82 or something, so it's fine. Yes. No. Let's keep it till January, February because my because my Subaru is is incredibly low compared to other people my age.\n\nYou know? I've got I've got a fair bit of catch up to do. So, you know, if if it if it if it increases, then that's a bonus. Yes. Yep.\n\nThat's fine with me too. Well, I mean, if you're... Is it a is it a two way street? Like, if I keep the if I keep the risk at its level, do we need to keep the... Sorry.\n\nWhat did you call them? Yeah. Yeah. So do we need to keep the active manager if we keep the risk level the same? Yep.\n\nThat's fine with me. That's fine with me. Yes. Yep. Yep.\n\nThat's fine. That sounds good, actually. In regards to... What do you mean? As in, like, an email or what do you mean?\n\nThat is accurate. Yes. Not at this moment because we're we're looking at another overseas trip. So we'll probably wait until after that overseas trip, and then we'll we'll assess it there. At the end of this month, we're going for two weeks.\n\nYep. Yeah. We leave on the twenty fourth, and we're back on the seventh. So No. No.\n\nThat would still be around the same. Yes. That's still correct. Yes. That would still sound accurate.\n\nYes. For the moment, that will eventually change, but I'll probably change that either in November or December. So Yeah. That's fine with me. Not a problem.\n\nNo. It's fine. Because stay as it is. Thank you. Yeah.\n\nYep. You have not. That was that was very good. Not at this present time. That all seems good.\n\nThat depends on how long I can do that for, but 800 a week would be good. Yeah. Wonderful. Yeah. That should be fine.\n\nThat should be fine. Yeah. Anytime after five. Oh, hang on a minute. Was that a Wednesday?\n\nYou wanna do it the... Can you do it the Tuesday before? Or the Thursday or the or the Thursday after. Either one. I'm busy the Wednesday night.\n\nThat's all. The twenty fourth? But I'm gonna be busy that Wednesday seeing family. So if we can do it either the Tuesday or the Thursday. Yeah.\n\nThat's fine. Yeah. That's fine. Yeah. Yeah.\n\nYeah. No. That's fine. Yeah. No problem.\n\nNo. No. What do you think? Thank you for that. Yes.\n\nWonderful. Cheers, hon. Thank you. I appreciate that. You too.\n\nBe down. Bye.","paragraphs":[{"sentences":[{"text":"Not too bad.","start":7.44,"end":8.16,"sentiment":"neutral","sentiment_score":0.23635291556517282},{"text":"Yourself?","start":8.16,"end":8.66,"sentiment":"neutral","sentiment_score":0.19313234090805056},{"text":"Yeah.","start":15.674999,"end":15.995,"sentiment":"neutral","sentiment_score":0.13308724761009216},{"text":"I've got about twenty minutes or so up, I believe, so that should be fine.","start":15.995,"end":20.095,"sentiment":"neutral","sentiment_score":0.1676109751065572},{"text":"Yes.","start":30.01,"end":30.330002,"sentiment":"neutral","sentiment_score":0.1266694217920303}],"sentiment":"neutral","sentiment_score":0.1750529706478119,"num_words":21,"start":7.44,"end":30.330002},{"sentences":[{"text":"Of course.","start":30.330002,"end":30.810001,"sentiment":"neutral","sentiment_score":0.1835733875632286},{"text":"That's fine.","start":30.810001,"end":31.550001,"sentiment":"neutral","sentiment_score":0.289420485496521},{"text":"It's 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sure.","start":188.81,"end":190.67,"sentiment":"neutral","sentiment_score":-0.05802486029764017},{"text":"I mean, obviously, the higher the growth, the better, but you also don't wanna take too many chances and lose everything.","start":190.81,"end":197.37,"sentiment":"neutral","sentiment_score":-0.07180110240976016},{"text":"So Yeah.","start":197.37,"end":235.41,"sentiment":"neutral","sentiment_score":0.0372467115521431}],"sentiment":"neutral","sentiment_score":-0.11916488640461907,"num_words":66,"start":171.81,"end":235.41},{"sentences":[{"text":"I'm turning 67, so that's...","start":306.65997,"end":309.96,"sentiment":"neutral","sentiment_score":-0.01013198858126998},{"text":"Isn't that eight years?","start":310.02,"end":311.31998,"sentiment":"neutral","sentiment_score":-0.02220097230747342},{"text":"No.","start":312.5,"end":312.65997,"sentiment":"neutral","sentiment_score":-0.08408737927675247},{"text":"That's okay.","start":312.65997,"end":313.4,"sentiment":"neutral","sentiment_score":-0.08041733130812645},{"text":"It really doesn't matter.","start":330.6,"end":331.88,"sentiment":"neutral","sentiment_score":-0.12221523746848106}],"sentiment":"neutral","sentiment_score":-0.054577926493948326,"num_words":16,"start":306.65997,"end":331.88},{"sentences":[{"text":"You know, between '56 and 57, it is not a big deal.","start":331.88,"end":335.16,"sentiment":"neutral","sentiment_score":-0.0026234599451224008},{"text":"So it's not like she called me 80 82 or something, so it's fine.","start":335.16,"end":339.26,"sentiment":"neutral","sentiment_score":0.0006498413692627634},{"text":"Yes.","start":358.415,"end":358.915,"sentiment":"neutral","sentiment_score":0.18312793970108032},{"text":"No.","start":371.63,"end":371.95,"sentiment":"neutral","sentiment_score":-0.0822862982749939},{"text":"Let's keep it till January, February because my because my Subaru is is incredibly low compared to other people my age.","start":371.95,"end":381.055,"sentiment":"neutral","sentiment_score":-0.04928288023386683}],"sentiment":"neutral","sentiment_score":-0.019520052727691983,"num_words":49,"start":331.88,"end":381.055},{"sentences":[{"text":"You know?","start":381.835,"end":382.315,"sentiment":"neutral","sentiment_score":0.03977447189390659},{"text":"I've got I've got a fair bit of catch up to do.","start":382.315,"end":384.875,"sentiment":"neutral","sentiment_score":0.04126166210820278},{"text":"So, you know, if if it if it if it increases, then that's a bonus.","start":384.875,"end":389.16,"sentiment":"neutral","sentiment_score":0.11409690529108048},{"text":"Yes.","start":423.02,"end":423.52,"sentiment":"neutral","sentiment_score":0.04102443158626557},{"text":"Yep.","start":436.775,"end":437.095,"sentiment":"neutral","sentiment_score":0.06351273506879807}],"sentiment":"neutral","sentiment_score":0.07711869790669411,"num_words":31,"start":381.835,"end":437.095},{"sentences":[{"text":"That's fine with me too.","start":437.095,"end":438.475,"sentiment":"neutral","sentiment_score":0.12201109379529954},{"text":"Well, I mean, if you're...","start":445.175,"end":446.955,"sentiment":"neutral","sentiment_score":-0.05205588787794113},{"text":"Is it a is it a two way street?","start":447.33,"end":449.25,"sentiment":"neutral","sentiment_score":-0.05629500291413731},{"text":"Like, if I keep the if I keep the risk at its level, do we need to keep the...","start":449.25,"end":455.27,"sentiment":"neutral","sentiment_score":-0.06950883018343072},{"text":"Sorry.","start":457.09,"end":457.49,"sentiment":"neutral","sentiment_score":-0.043375927954912186}],"sentiment":"neutral","sentiment_score":-0.03899801789950102,"num_words":39,"start":437.095,"end":457.49},{"sentences":[{"text":"What did you call them?","start":457.49,"end":458.71,"sentiment":"neutral","sentiment_score":-0.009241017326712609},{"text":"Yeah.","start":461.185,"end":461.505,"sentiment":"neutral","sentiment_score":0.0016300510615110395},{"text":"Yeah.","start":461.505,"end":461.825,"sentiment":"neutral","sentiment_score":-0.00219636969268322},{"text":"So do we need to keep the active manager if we keep the risk level the same?","start":461.825,"end":465.685,"sentiment":"neutral","sentiment_score":-0.05762128827764707},{"text":"Yep.","start":478.59,"end":479.07,"sentiment":"neutral","sentiment_score":0.01861191913485527}],"sentiment":"neutral","sentiment_score":-0.04030885547399521,"num_words":25,"start":457.49,"end":479.07},{"sentences":[{"text":"That's fine with me.","start":479.07,"end":480.37,"sentiment":"neutral","sentiment_score":0.15638590976595879},{"text":"That's fine with me.","start":482.67,"end":483.71002,"sentiment":"positive","sentiment_score":0.4174095690250397},{"text":"Yes.","start":483.71002,"end":484.21002,"sentiment":"neutral","sentiment_score":0.23420846462249756},{"text":"Yep.","start":496.305,"end":496.805,"sentiment":"neutral","sentiment_score":0.13179832696914673},{"text":"Yep.","start":510.01,"end":510.25,"sentiment":"neutral","sentiment_score":0.14411215484142303}],"sentiment":"neutral","sentiment_score":0.25502735105427826,"num_words":11,"start":479.07,"end":510.25},{"sentences":[{"text":"That's fine.","start":510.25,"end":510.81,"sentiment":"neutral","sentiment_score":0.3324018865823746},{"text":"That sounds good, actually.","start":510.81,"end":512.03,"sentiment":"positive","sentiment_score":0.6596863865852356},{"text":"In regards to...","start":530.685,"end":531.81,"sentiment":"neutral","sentiment_score":0.0020560836419463158},{"text":"What do you mean?","start":531.81,"end":532.53,"sentiment":"neutral","sentiment_score":-0.008638585219159722},{"text":"As in, like, an email or what do you mean?","start":532.53,"end":534.95,"sentiment":"neutral","sentiment_score":-0.00039943936280906217}],"sentiment":"neutral","sentiment_score":0.14222473199681743,"num_words":23,"start":510.25,"end":534.95},{"sentences":[{"text":"That is accurate.","start":573.875,"end":574.835,"sentiment":"neutral","sentiment_score":0.14876259863376617},{"text":"Yes.","start":574.835,"end":575.335,"sentiment":"neutral","sentiment_score":0.14490780234336853},{"text":"Not at this moment because we're we're looking at another overseas trip.","start":592.61005,"end":596.85004,"sentiment":"neutral","sentiment_score":-0.10822432550291221},{"text":"So we'll probably wait until after that overseas trip, and then we'll we'll assess it there.","start":596.85004,"end":603.795,"sentiment":"neutral","sentiment_score":-0.0020278205047361553},{"text":"At the end of this month, we're going for two weeks.","start":607.855,"end":610.59,"sentiment":"neutral","sentiment_score":0.027699209241704506}],"sentiment":"neutral","sentiment_score":-0.010122096144356007,"num_words":43,"start":573.875,"end":610.59},{"sentences":[{"text":"Yep.","start":621.55005,"end":621.87006,"sentiment":"neutral","sentiment_score":0.07976312935352325},{"text":"Yeah.","start":621.87006,"end":622.19,"sentiment":"neutral","sentiment_score":0.05806461349129677},{"text":"We leave on the twenty fourth, and we're back on the seventh.","start":622.19,"end":625.01,"sentiment":"neutral","sentiment_score":0.058678894924620785},{"text":"So No.","start":628.77496,"end":641.75,"sentiment":"neutral","sentiment_score":0.015094190835952759},{"text":"No.","start":641.75,"end":641.99,"sentiment":"neutral","sentiment_score":-0.07560324668884277}],"sentiment":"neutral","sentiment_score":0.04685644805431366,"num_words":17,"start":621.55005,"end":641.99},{"sentences":[{"text":"That would still be around the same.","start":641.99,"end":643.51,"sentiment":"neutral","sentiment_score":-0.04356933385133743},{"text":"Yes.","start":643.51,"end":644.01,"sentiment":"neutral","sentiment_score":0.048050086945295334},{"text":"That's still correct.","start":652.415,"end":653.455,"sentiment":"neutral","sentiment_score":0.10427900900443395},{"text":"Yes.","start":653.455,"end":653.955,"sentiment":"neutral","sentiment_score":0.1168852001428604},{"text":"That would still sound accurate.","start":661.615,"end":663.075,"sentiment":"neutral","sentiment_score":0.10590902119874954}],"sentiment":"neutral","sentiment_score":0.04131365194916725,"num_words":17,"start":641.99,"end":663.075},{"sentences":[{"text":"Yes.","start":663.135,"end":663.635,"sentiment":"neutral","sentiment_score":0.12378419935703278},{"text":"For the moment, that will eventually change, but I'll probably change that either in November or December.","start":676.51,"end":685.715,"sentiment":"neutral","sentiment_score":0.034958838868667096},{"text":"So Yeah.","start":685.715,"end":699.08997,"sentiment":"neutral","sentiment_score":0.15530925989151},{"text":"That's fine with me.","start":699.08997,"end":700.47,"sentiment":"neutral","sentiment_score":0.2718157060444355},{"text":"Not a problem.","start":714.96497,"end":715.865,"sentiment":"neutral","sentiment_score":0.3077406833569209}],"sentiment":"neutral","sentiment_score":0.11256251311688512,"num_words":27,"start":663.135,"end":715.865},{"sentences":[{"text":"No.","start":738.115,"end":738.275,"sentiment":"neutral","sentiment_score":-0.11991409212350844},{"text":"It's fine.","start":738.275,"end":738.835,"sentiment":"neutral","sentiment_score":-0.04086865857243538},{"text":"Because stay as it is.","start":738.835,"end":740.195,"sentiment":"neutral","sentiment_score":0.06649185717105865},{"text":"Thank you.","start":740.195,"end":741.015,"sentiment":"neutral","sentiment_score":0.2806749492883682},{"text":"Yeah.","start":747.075,"end":747.575,"sentiment":"neutral","sentiment_score":0.08901022374629974}],"sentiment":"neutral","sentiment_score":0.07101527262817729,"num_words":11,"start":738.115,"end":747.575},{"sentences":[{"text":"Yep.","start":755.88,"end":756.38,"sentiment":"neutral","sentiment_score":0.17195264995098114},{"text":"You have not.","start":774.32,"end":775.28,"sentiment":"neutral","sentiment_score":-0.07850561663508415},{"text":"That was that was very good.","start":775.28,"end":777.14,"sentiment":"neutral","sentiment_score":0.2883045847217242},{"text":"Not at this present time.","start":784.4,"end":785.92004,"sentiment":"neutral","sentiment_score":-0.13963432610034943},{"text":"That all seems good.","start":785.92004,"end":787.22003,"sentiment":"neutral","sentiment_score":0.0830015167593956}],"sentiment":"neutral","sentiment_score":0.06842619710062679,"num_words":19,"start":755.88,"end":787.22003},{"sentences":[{"text":"That depends on how long I can do that for, but 800 a week would be good.","start":800.135,"end":804.85004,"sentiment":"neutral","sentiment_score":0.06358443266328644},{"text":"Yeah.","start":804.85004,"end":805.35004,"sentiment":"neutral","sentiment_score":0.11602479219436646},{"text":"Wonderful.","start":816.64496,"end":817.14496,"sentiment":"positive","sentiment_score":0.5336847305297852},{"text":"Yeah.","start":841.76,"end":842.0,"sentiment":"neutral","sentiment_score":0.09178733825683594},{"text":"That should be fine.","start":842.0,"end":842.88,"sentiment":"neutral","sentiment_score":0.2266167290508747}],"sentiment":"neutral","sentiment_score":0.11370413051918149,"num_words":24,"start":800.135,"end":842.88},{"sentences":[{"text":"That should be fine.","start":842.88,"end":843.68,"sentiment":"neutral","sentiment_score":0.2603195570409298},{"text":"Yeah.","start":843.68,"end":844.18,"sentiment":"neutral","sentiment_score":0.18315789103507996},{"text":"Anytime after five.","start":850.79504,"end":852.255,"sentiment":"neutral","sentiment_score":0.09745139380296071},{"text":"Oh, hang on a minute.","start":858.715,"end":859.77,"sentiment":"neutral","sentiment_score":0.01365358754992485},{"text":"Was that a Wednesday?","start":859.85004,"end":860.91003,"sentiment":"neutral","sentiment_score":0.018981486093252897}],"sentiment":"neutral","sentiment_score":0.09770495192531277,"num_words":17,"start":842.88,"end":860.91003},{"sentences":[{"text":"You wanna do it the...","start":864.01,"end":865.13,"sentiment":"neutral","sentiment_score":0.029736295714974402},{"text":"Can you do it the Tuesday before?","start":865.13,"end":867.55005,"sentiment":"neutral","sentiment_score":0.011243520570652825},{"text":"Or the Thursday or the or the Thursday after.","start":872.57,"end":875.925,"sentiment":"neutral","sentiment_score":0.008294994787623486},{"text":"Either one.","start":875.985,"end":876.805,"sentiment":"neutral","sentiment_score":-0.00212023314088583},{"text":"I'm busy the Wednesday night.","start":876.945,"end":878.305,"sentiment":"neutral","sentiment_score":-0.06334015876054763}],"sentiment":"neutral","sentiment_score":-0.0006750065866591674,"num_words":28,"start":864.01,"end":878.305},{"sentences":[{"text":"That's all.","start":878.305,"end":879.045,"sentiment":"neutral","sentiment_score":-0.006373274605721236},{"text":"The twenty fourth?","start":886.99,"end":888.20996,"sentiment":"neutral","sentiment_score":-0.004535107873380184},{"text":"But I'm gonna be busy that Wednesday seeing family.","start":888.26996,"end":891.25,"sentiment":"neutral","sentiment_score":-0.00785613887839847},{"text":"So if we can do it either the Tuesday or the Thursday.","start":891.31,"end":895.08997,"sentiment":"neutral","sentiment_score":0.03164570274141928},{"text":"Yeah.","start":895.39,"end":895.89,"sentiment":"neutral","sentiment_score":0.06061419099569321}],"sentiment":"neutral","sentiment_score":0.01271501856131686,"num_words":27,"start":878.305,"end":895.89},{"sentences":[{"text":"That's fine.","start":903.625,"end":904.525,"sentiment":"neutral","sentiment_score":0.11087505146861076},{"text":"Yeah.","start":911.225,"end":911.465,"sentiment":"neutral","sentiment_score":0.06753590703010559},{"text":"That's fine.","start":911.465,"end":912.205,"sentiment":"neutral","sentiment_score":0.10457636788487434},{"text":"Yeah.","start":912.8,"end":913.02,"sentiment":"neutral","sentiment_score":0.05182879418134689},{"text":"Yeah.","start":913.02,"end":913.24,"sentiment":"neutral","sentiment_score":0.0576758086681366}],"sentiment":"neutral","sentiment_score":0.0868490497980799,"num_words":7,"start":903.625,"end":913.24},{"sentences":[{"text":"Yeah.","start":913.24,"end":913.45996,"sentiment":"neutral","sentiment_score":0.05957765132188797},{"text":"No.","start":913.45996,"end":913.68,"sentiment":"neutral","sentiment_score":0.04847811162471771},{"text":"That's fine.","start":913.68,"end":914.5,"sentiment":"neutral","sentiment_score":0.1479526311159134},{"text":"Yeah.","start":923.04,"end":923.54,"sentiment":"neutral","sentiment_score":0.10845211893320084},{"text":"No problem.","start":928.375,"end":928.575,"sentiment":"neutral","sentiment_score":0.07895850017666817}],"sentiment":"neutral","sentiment_score":0.09576144920928138,"num_words":7,"start":913.24,"end":928.575},{"sentences":[{"text":"No.","start":928.575,"end":928.695,"sentiment":"neutral","sentiment_score":-0.02424660325050354},{"text":"No.","start":928.695,"end":929.195,"sentiment":"neutral","sentiment_score":-0.026745591312646862},{"text":"What do you think?","start":929.335,"end":929.815,"sentiment":"neutral","sentiment_score":0.0013281730934977531},{"text":"Thank you for that.","start":929.815,"end":930.875,"sentiment":"positive","sentiment_score":0.4543583169579506},{"text":"Yes.","start":941.17004,"end":941.67004,"sentiment":"positive","sentiment_score":0.5984910130500793}],"sentiment":"neutral","sentiment_score":0.21547679806297476,"num_words":11,"start":928.575,"end":941.67004},{"sentences":[{"text":"Wonderful.","start":942.45,"end":942.95,"sentiment":"positive","sentiment_score":0.8383039832115173},{"text":"Cheers, hon.","start":953.745,"end":954.22504,"sentiment":"positive","sentiment_score":0.5335837006568909},{"text":"Thank you.","start":954.22504,"end":954.625,"sentiment":"positive","sentiment_score":0.7376960515975952},{"text":"I appreciate that.","start":954.625,"end":955.84503,"sentiment":"positive","sentiment_score":0.7021870811780294},{"text":"You too.","start":959.98505,"end":960.72504,"sentiment":"positive","sentiment_score":0.48401060700416565}],"sentiment":"positive","sentiment_score":0.6455445945262909,"num_words":10,"start":942.45,"end":960.72504},{"sentences":[{"text":"Be down.","start":961.185,"end":961.905,"sentiment":"positive","sentiment_score":0.5166229903697968},{"text":"Bye.","start":961.905,"end":962.405,"sentiment":"neutral","sentiment_score":0.2922564148902893}],"sentiment":"positive","sentiment_score":0.4418341318766276,"num_words":3,"start":961.185,"end":962.405}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hi, Paul. This is Dana from IC Financial. How are you today?\n\nChannel 1: Not too bad. Yourself?\n\nChannel 0: I'm very well. Thank you. I just had to book in for a bit of a catch up. Is now still a good time there for you?\n\nChannel 1: Yeah. I've got about twenty minutes or so up, I believe, so that should be fine.\n\nChannel 0: Yes. No. That's absolutely fine. Not a problem at all. Before I jump into the call, just to let you know, with your recall, the call for quality and training purposes, are you happy to proceed with that?\n\nChannel 1: Yes. Of course. That's fine.\n\nChannel 0: Legend. And just to do a quick security check there for you. So I'll just expand your full name, your date of birth, and address I should have on file for you.\n\nChannel 1: It's full sleeve bar, 18\n\nChannel 0: Yep.\n\nChannel 1: Escape Drive Doreen, 17th To the 12th 1969.\n\nChannel 0: Wonderful. Thank you so much for that. So, Paul, when we did get any review back in January, I may have mentioned we wanted to do a bit more in the way of catch up to make sure that we're giving you more of an update. The reason I've kind of wanted to have you booked in today is that I've been having a look at things for you. I know you've gone through your compassionate grounds release recently, which is great, but I've sort of had a bit of a look at your super and found that there's an underperforming investment so I'd really like to maybe update and have changed for you.\n\nChannel 1: Yep.\n\nChannel 0: Just sort of having a look at things, you had originally an actively managed fund in there for Benelon Australian Equities. And whilst we have seen lots of ups and downs in the market this year, but everything has been going on globally, that investment seems to be underperforming pretty heavily within your superannuation fund. So I kind of wanted to touch base with you to have a bit of a chat. Maybe talk about updating your advice and removing and updating your portfolio if you're open to me doing that for you.\n\nChannel 1: Yes. A 100%. Anything that works anything that works better than what's currently there is not a bad thing.\n\nChannel 0: Yeah. Absolutely. No. Definitely. And, look, it's a good time to do so because you've had that...\n\nThe funds withdrawn from your Compassionate Ground, so that kind of rebuilding is super there for you.\n\nChannel 1: Yes.\n\nChannel 0: I wanna take sure as part of doing reviews, I have a look at the investments and kind of notice when things aren't working and what we maybe need to do to update. And this is much of an older portfolio as well, so it's probably a good time to go forward and update that for you.\n\nChannel 1: Yes.\n\nChannel 0: One of the things I wanted to sort of find out was more about a preference. So so then along with a in equities investment, that was originally placed in your portfolio as an active manager, and you are in a high growth portfolio. One of the things we sort of talked about last time was that you were comfortable being that high growth environment. You were sort of thinking you probably want to keep working or wouldn't access business till about age 65. Are you still comfortable being at a high growth environment?\n\nAre you still feeling like you're willing to take on more risk to get greater potential returns,\n\nChannel 1: Yep.\n\nChannel 0: or do you feel a bit more\n\nChannel 1: Well,\n\nChannel 0: like you'd want to reduce it somewhat?\n\nChannel 1: I don't want it to be I don't want it to be too conservative because then it will grow too slowly. So it it depends it it depends if there's, like, a a level playing field. I mean, I'm not really sure. I mean, obviously, the\n\nChannel 0: Yeah.\n\nChannel 1: higher the growth, the better, but you also don't wanna take too many chances and lose everything. So\n\nChannel 0: Yeah. And that's kind of the the the side of it that we wanna look at is making sure that you're in a portfolio where you're taking a certain degree of risk that you're comfortable taking in order to get those greater potential returns and encourage that growth a little bit more. But at the same time, as you get closer to accessing super, pulling back as appropriate, Taking on more risk and getting greater potential returns is great when the market is good, but it also means that you're increasing the risk of a downside event. So when the market isn't performing well, taking more risk means you'll feel that downside a little bit more as well.\n\nChannel 1: Yeah.\n\nChannel 0: With with the high growth portfolio that you're in at the moment, that high growth environment with that ninety ten sort of split between growth and the sensitive investment, growth investments are like shares, commodities, and property where you do see big fluctuations, and then that environment normally is 10% in that lower kind of risk area like cash, bonds, and fixed interest. This sort of portfolio generally fit someone who is has more than eight years ahead of them before accessing their super because we understand the likelihood of a negative return is expected, generally, one in every five years. You're looking to try and obtain a long dated compounding return of eight to 10 over that time per year. You could stay in that for a little bit longer, but I sort of had a look at things. And, realistically, if you still wanna access sleep out of that age 65, It's realistically from December this year when your birthday comes around, only giving you about seven years.\n\nDo you feel like it might be time to pull things back a little bit, or do you wanna stay in that high growth until January when we review things again? What would you like?\n\nChannel 1: I'm turning 67, so that's... Isn't that\n\nChannel 0: Oh,\n\nChannel 1: eight\n\nChannel 0: you are.\n\nChannel 1: years?\n\nChannel 0: I'm so sorry. My... Yeah.\n\nChannel 1: No.\n\nChannel 0: No.\n\nChannel 1: That's\n\nChannel 0: Sorry.\n\nChannel 1: okay.\n\nChannel 0: My apologies. I got the wrong year in here. My... Sorry. I calculated in 2026, and it came out '57, and I assumed December.\n\nLinda, you're absolutely fine. Sorry. No. I hate to make you a year older than you really are. That's not fair in any way, people form.\n\nChannel 1: It really doesn't matter. You know, between '56 and 57, it is not a big deal. So it's not like she\n\nChannel 0: No.\n\nChannel 1: called me\n\nChannel 0: No.\n\nChannel 1: 80\n\nChannel 0: Yeah.\n\nChannel 1: 82 or something, so it's fine.\n\nChannel 0: No. Absolutely. And, look, honestly, with that seven to eight year mark, that is generally when most clients are wanting to kind of pull things back a little bit and start to reduce their risk. But it's also an individual decision because you've had that withdrawal. Because your balance is a little bit lower, we also wanna entice it to grow some more.\n\nDid you want me to\n\nChannel 1: Yes.\n\nChannel 0: maybe update the portfolio and keep you high growth until January and we could reassess it then? Or do you want me to just move you back a little bit, maybe reduce the risk level by 10% and see what that does for you?\n\nChannel 1: No. Let's keep it till January, February because my\n\nChannel 0: Yep.\n\nChannel 1: because my Subaru is is incredibly low compared to other people my age.\n\nChannel 0: Yeah.\n\nChannel 1: You know? I've got I've got a fair bit of catch up to do. So, you know,\n\nChannel 0: Yep.\n\nChannel 1: if if it if it if it increases, then that's a bonus.\n\nChannel 0: Yeah. Absolutely. Perfect. Now did you want me to sort of look at... We do have ways...\n\nBecause I definitely wanna remove that bang along investment. I don't want this to be in your portfolio any longer. We're trying to sort of make it work a bit harder and move those underperforming investments currently. That investment, as I mentioned before, is an actively managed fund. To have an active manager in your portfolio, they're supposed to be trying to buy and sell and time the market and outperform against the market, and active managers can't honestly do that every year.\n\nAnd you do\n\nChannel 1: Yes.\n\nChannel 0: pay a bit more in the way of fees to have those investments in your portfolio. Would you like me to keep an active manager in there, or would you like me to maybe pull back the risk level and look at maybe reducing fees in your portfolio?\n\nChannel 1: Yep. That's fine with me too.\n\nChannel 0: Yeah. Which one? Sorry.\n\nChannel 1: Well, I mean, if you're... Is it a is it a two way street? Like, if I keep the if I keep the risk at its level, do we need to keep the...\n\nChannel 0: Active manager?\n\nChannel 1: Sorry. What did you call them? Yeah. Yeah. So do we need to keep the active manager if we keep the risk level the same?\n\nChannel 0: Absolutely not. No. So I have access to investments where I could remove that active investment manager out of there. I could put you into maybe a cheaper portfolio to save on some of the fees where possible, but\n\nChannel 1: Yep.\n\nChannel 0: still keep\n\nChannel 1: That's\n\nChannel 0: that\n\nChannel 1: fine\n\nChannel 0: high\n\nChannel 1: with\n\nChannel 0: growth\n\nChannel 1: me.\n\nChannel 0: environment for you. Yeah. Yep. Beautiful.\n\nChannel 1: That's fine with me. Yes.\n\nChannel 0: Yeah. Beautiful. Excellent. And I'll keep that high growth ninety, ten split. I'll just note that we'll look at the next sort of five to ten years for you to see where there's tracking, and then we'll\n\nChannel 1: Yep.\n\nChannel 0: kind of just catch up in January again and see how things are tracking through your annual review. And then we'll kinda just take it every few months from there to see how you're going and when you wanna start reducing the risk level a little bit. How does that sound?\n\nChannel 1: Yep. That's fine. That sounds good, actually.\n\nChannel 0: Beautiful. What I can also do for you is I can also put in the appendices just a comparison against the recommended changes, but also in the growth portfolio just to see the... Show you the difference between the high growth and the growth. Would you like that?\n\nChannel 1: In regards to... What do you mean? As in, like, an email or what do you mean?\n\nChannel 0: No. So when I provide the advice document and we go through that with my recommendations, that'll all be with the high growth portfolio. But I can quick comparison, do the extra research for the growth portfolio, which is just dropping down that risk level. No worry about that. You're happy with that?\n\nYou're absolutely fine. That's not a problem at all. The only other thing just to kinda double check is just a few things to make sure the advice is appropriate income wise. I had you on. You were doing five days a week full time hours, $36 per hour there.\n\nIs that still fairly accurate?\n\nChannel 1: That is accurate. Yes.\n\nChannel 0: Yeah. Beautiful. Fantastic. I've also got here a savings wise. Now because your super is a bit lower at the moment, are you managing to put much away?\n\nAre you wanting to maybe look at extra contributions to kind of build on that moving\n\nChannel 1: Not at this moment\n\nChannel 0: forward?\n\nChannel 1: because we're we're looking at another overseas trip. So\n\nChannel 0: Yep.\n\nChannel 1: we'll probably wait until after that overseas trip, and then we'll we'll assess it there.\n\nChannel 0: When... That's okay. When's that check gonna be?\n\nChannel 1: At the end of this month, we're going for two weeks.\n\nChannel 0: Fantastic. At the end of this month. Beautiful. So what I'll do is I'll aim to get this advice done before you go away. That way, it's all done and dusted for you.\n\nChannel 1: Yep. Yeah. We leave on the twenty fourth, and we're back on the seventh.\n\nChannel 0: Okay. Beautiful. Not a problem\n\nChannel 1: So\n\nChannel 0: at all. Other assets, just to make sure I've got everything correct here, is the the Isuzu that you have... The MUS you have, asset value 35,000. Would you change that at all?\n\nChannel 1: No. No. That would still be around the same. Yes.\n\nChannel 0: Yep. Fantastic. I've got rent sitting at $11,992 per month. That still correct?\n\nChannel 1: That's still correct. Yes.\n\nChannel 0: Yep. Beautiful. And I've got here content rough valuation about 120,000. Does that still sound accurate?\n\nChannel 1: That would still sound accurate. Yes.\n\nChannel 0: Yes. Fantastic. Excellent. I've also got here just with your beneficiary nomination. I've got down here that is a 100% your son, Nathan.\n\nIs that still appropriate? You're still happy with that?\n\nChannel 1: For the moment, that will eventually\n\nChannel 0: Yep.\n\nChannel 1: change, but\n\nChannel 0: Yep.\n\nChannel 1: I'll probably change that either in November or December. So\n\nChannel 0: Yep. That's that's fine. November or December. No worries. Did you want me at that time?\n\nI can send you an email probably mid November if you like just to double check if you want me to update that beneficiary for you.\n\nChannel 1: Yeah. That's fine with me.\n\nChannel 0: Yeah. Beautiful. Just to make it so you don't have to ring me, I can sort of prompt myself to email you or catch up with you just to say, hey. You mentioned you wanted to do this. Is now the right time?\n\nAnd if it's not, you can just let me know just to hold off. That's absolutely fine. Yeah.\n\nChannel 1: Not a problem.\n\nChannel 0: Excellent. And then just the other thing is just double checking with your insurance. Year, I've got your your life and CBD cover. You still got the same level from last time. So it's a $123,009.93.\n\nShowing here you don't have any income protection or trauma. Are you still happy with the level of insurance cover that you have? Are you wanting to review any\n\nChannel 1: No. It's fine. Because stay as it is. Thank you.\n\nChannel 0: of that? There is. Yes. That's okay. I'll make sure to bring it all up and review it again with you in January when we do the annual\n\nChannel 1: Yeah.\n\nChannel 0: review. Easy. Perfect. So just to kinda recap there for you, Paul, I'm gonna go back, review your super and the portfolio,\n\nChannel 1: Yep.\n\nChannel 0: keep you in that high growth environment in 9010 split. We'll look at the next five to ten years, see where that's going. You're happy with the beneficiaries. No change of the insurances at all, and we're not doing contributions currently, and your income is at the same level as it was. Am I on the right track?\n\nHave I missed anything at all?\n\nChannel 1: You have not. That was that was very good.\n\nChannel 0: Fantastic. And is there any other questions or anything else you might need from me at the moment at all?\n\nChannel 1: Not at this present time. That all seems good.\n\nChannel 0: Yep. Beautiful. I'm just having a quick look here. I've also looked down in retirement. You're still hoping to draw about $800 per week for a comfortable retirement.\n\nDoes that still sound fairly appropriate?\n\nChannel 1: That depends on how long I can do that for, but 800 a\n\nChannel 0: Yep.\n\nChannel 1: week would be good. Yeah.\n\nChannel 0: Yeah. Beautiful. Well, leave that with me. I will definitely look at it. And down the track, we'll also look at age pension and other areas that we can kind of help you out in down the track as well.\n\nOkay?\n\nChannel 1: Wonderful.\n\nChannel 0: Excellent. Look. Thank you so much, Paul. What I'll do is I'll quickly book in another time to... In a few weeks just to come back and review the advice document.\n\nNow you've mentioned you're going away on the twenty fourth. Could I maybe book you into the afternoon of maybe Wednesday, the twenty first to go through the advice document? Would that be okay?\n\nChannel 1: Yeah. That should be fine. That should be fine. Yeah.\n\nChannel 0: That should be fine. Beautiful. What time suits you? I'm happy to do a later call. What time suits you the best?\n\nChannel 1: Anytime after five.\n\nChannel 0: Easy. So what if I pop it in there for 05:30 for you?\n\nChannel 1: Oh, hang on a minute. Was that a Wednesday?\n\nChannel 0: Yes. It is.\n\nChannel 1: You wanna do it the... Can you do it the Tuesday before?\n\nChannel 0: The Tuesday before, that will be the\n\nChannel 1: Or\n\nChannel 0: twentieth.\n\nChannel 1: the Thursday or the or the Thursday after. Either one. I'm busy the Wednesday\n\nChannel 0: No. That's\n\nChannel 1: night.\n\nChannel 0: it.\n\nChannel 1: That's all.\n\nChannel 0: No. That's absolutely fine. So the Wednesday is the twenty first, and you're going away...\n\nChannel 1: The twenty fourth?\n\nChannel 0: The...\n\nChannel 1: But I'm gonna be\n\nChannel 0: Yes.\n\nChannel 1: busy that Wednesday seeing family. So\n\nChannel 0: No.\n\nChannel 1: if we\n\nChannel 0: That's\n\nChannel 1: can do\n\nChannel 0: absolutely\n\nChannel 1: it either\n\nChannel 0: fine.\n\nChannel 1: the Tuesday or the Thursday. Yeah.\n\nChannel 0: Yeah. Absolutely fine. So the Thursday, I am fully booked up, unfortunately, but I could do the\n\nChannel 1: That's\n\nChannel 0: Tuesday.\n\nChannel 1: fine.\n\nChannel 0: It would be probably 06:00 Queensland time, which is seven your time. Is that gonna be okay just to run through that updated\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: advice?\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Yes.\n\nChannel 1: No. That's fine.\n\nChannel 0: Beautiful. It won't take long. It'll only be a nice quick call. I will just send you the document, run through the changes, let you ask any questions, and that'll be\n\nChannel 1: Yeah.\n\nChannel 0: Tuesday the twentieth at 6PM my time to 7PM your time. That's alright?\n\nChannel 1: No problem. No. No. What do you think? Thank you\n\nChannel 0: Beautiful.\n\nChannel 1: for that.\n\nChannel 0: No. That's okay. Wanna make sure we get that all done and adjusted for you. When I see these things, we need to get them all quickly. That way, you know, things will keep working for you.\n\nThat's the important part.\n\nChannel 1: Yes. Wonderful.\n\nChannel 0: Excellent. Look. I will let you go, Paul. Thank you so much for taking my call. I really appreciate your time, and I'll talk to you on the twentieth at 7PM your time.\n\nChannel 1: Cheers, hon. Thank you. I appreciate that.\n\nChannel 0: No no problem at all. Enjoy your night.\n\nChannel 1: You too. Be\n\nChannel 0: Thanks,\n\nChannel 1: down. Bye.\n\nChannel 0: Paul. Talk soon. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Paul.","start":3.84,"end":4.3199997,"sentiment":"neutral","sentiment_score":0.14956974983215332},{"text":"This is Dana from IC Financial.","start":4.3199997,"end":5.94,"sentiment":"neutral","sentiment_score":0.15562923873464266},{"text":"How are you today?","start":6.0,"end":6.98,"sentiment":"neutral","sentiment_score":0.18932020664215088}],"sentiment":"neutral","sentiment_score":0.16584964655339718,"channel":0,"num_words":12,"start":3.84,"end":6.98},{"sentences":[{"text":"Not too bad.","start":7.44,"end":8.16,"sentiment":"neutral","sentiment_score":0.23635291556517282},{"text":"Yourself?","start":8.16,"end":8.66,"sentiment":"neutral","sentiment_score":0.19313234090805056}],"sentiment":"neutral","sentiment_score":0.22554777190089226,"channel":1,"num_words":4,"start":7.44,"end":8.66},{"sentences":[{"text":"I'm very well.","start":9.28,"end":10.24,"sentiment":"positive","sentiment_score":0.5957651933034261},{"text":"Thank you.","start":10.24,"end":10.98,"sentiment":"positive","sentiment_score":0.7116755545139313},{"text":"I just had to book in for a bit of a catch up.","start":11.28,"end":13.2,"sentiment":"neutral","sentiment_score":0.2558389294605989},{"text":"Is now still a good time there for you?","start":13.2,"end":15.299999,"sentiment":"neutral","sentiment_score":0.21914413405789268}],"sentiment":"neutral","sentiment_score":0.31514259179433185,"channel":0,"num_words":27,"start":9.28,"end":15.299999},{"sentences":[{"text":"Yeah.","start":15.674999,"end":15.995,"sentiment":"neutral","sentiment_score":0.13308724761009216},{"text":"I've got about twenty minutes or so up, I believe, so that should be fine.","start":15.995,"end":20.095,"sentiment":"neutral","sentiment_score":0.1676109751065572}],"sentiment":"neutral","sentiment_score":0.16545324213802814,"channel":1,"num_words":16,"start":15.674999,"end":20.095},{"sentences":[{"text":"Yes.","start":19.615,"end":20.115,"sentiment":"neutral","sentiment_score":0.14772816002368927},{"text":"No.","start":20.494999,"end":20.735,"sentiment":"neutral","sentiment_score":0.20021702349185944},{"text":"That's absolutely fine.","start":20.735,"end":22.015,"sentiment":"neutral","sentiment_score":0.2990642786026001},{"text":"Not a problem at all.","start":22.015,"end":23.395,"sentiment":"neutral","sentiment_score":0.3078484833240509},{"text":"Before I jump into the call, just to let you know, with your recall, the call for quality and training purposes, are you happy to proceed with that?","start":23.535,"end":29.555,"sentiment":"neutral","sentiment_score":0.10672375506588391}],"sentiment":"neutral","sentiment_score":0.15191172573127246,"channel":0,"num_words":38,"start":19.615,"end":29.555},{"sentences":[{"text":"Yes.","start":30.01,"end":30.330002,"sentiment":"neutral","sentiment_score":0.1266694217920303},{"text":"Of course.","start":30.330002,"end":30.810001,"sentiment":"neutral","sentiment_score":0.1835733875632286},{"text":"That's fine.","start":30.810001,"end":31.550001,"sentiment":"neutral","sentiment_score":0.289420485496521}],"sentiment":"neutral","sentiment_score":0.21453143358230592,"channel":1,"num_words":5,"start":30.01,"end":31.550001},{"sentences":[{"text":"Legend.","start":32.15,"end":32.47,"sentiment":"neutral","sentiment_score":0.21784986555576324},{"text":"And just to do a quick security check there for you.","start":32.47,"end":34.63,"sentiment":"neutral","sentiment_score":0.11790303615006534},{"text":"So I'll just expand your full name, your date of birth, and address I should have on file for you.","start":34.63,"end":39.45,"sentiment":"neutral","sentiment_score":0.10688891038298606}],"sentiment":"neutral","sentiment_score":0.11414254596456885,"channel":0,"num_words":32,"start":32.15,"end":39.45},{"sentences":[{"text":"It's full sleeve bar, 18","start":39.295,"end":42.175,"sentiment":"neutral","sentiment_score":0.046031398326158525}],"sentiment":"neutral","sentiment_score":0.046031398326158525,"channel":1,"num_words":5,"start":39.295,"end":42.175},{"sentences":[{"text":"Yep.","start":42.15,"end":42.65,"sentiment":"neutral","sentiment_score":0.0385945588350296}],"sentiment":"neutral","sentiment_score":0.0385945588350296,"channel":0,"num_words":1,"start":42.15,"end":42.65},{"sentences":[{"text":"Escape Drive Doreen, 17th To the 12th 1969.","start":42.175,"end":45.795,"sentiment":"neutral","sentiment_score":0.04094023141078651}],"sentiment":"neutral","sentiment_score":0.04094023141078651,"channel":1,"num_words":8,"start":42.175,"end":45.795},{"sentences":[{"text":"Wonderful.","start":46.635,"end":47.135,"sentiment":"positive","sentiment_score":0.6178432106971741},{"text":"Thank you so much for that.","start":47.195,"end":48.735,"sentiment":"positive","sentiment_score":0.7128427724043528},{"text":"So, Paul, when we did get any review back in January, I may have mentioned we wanted to do a bit more in the way of catch up to make sure that we're giving you more of an update.","start":48.875,"end":56.495,"sentiment":"neutral","sentiment_score":0.06464815149322534},{"text":"The reason I've kind of wanted to have you booked in today is that I've been having a look at things for you.","start":57.149998,"end":62.37,"sentiment":"neutral","sentiment_score":0.046967071359572204},{"text":"I know you've gone through your compassionate grounds release recently, which is great, but I've sort of had a bit of a look at your super and found that there's an underperforming investment so I'd really like to maybe update and have changed for you.","start":62.829998,"end":75.825005,"sentiment":"neutral","sentiment_score":-0.0430258523258898}],"sentiment":"neutral","sentiment_score":0.05754611438565087,"channel":0,"num_words":114,"start":46.635,"end":75.825005},{"sentences":[{"text":"Yep.","start":76.415,"end":76.915,"sentiment":"neutral","sentiment_score":-0.001890316605567932}],"sentiment":"neutral","sentiment_score":-0.001890316605567932,"channel":1,"num_words":1,"start":76.415,"end":76.915},{"sentences":[{"text":"Just sort of having a look at things, you had originally an actively managed fund in there for Benelon Australian Equities.","start":77.08501,"end":83.745,"sentiment":"neutral","sentiment_score":-0.02034440625547653},{"text":"And whilst we have seen lots of ups and downs in the market this year, but everything has been going on globally, that investment seems to be underperforming pretty heavily within your superannuation fund.","start":83.805,"end":95.44,"sentiment":"neutral","sentiment_score":-0.12287634742610595},{"text":"So I kind of wanted to touch base with you to have a bit of a chat.","start":95.82,"end":99.12,"sentiment":"neutral","sentiment_score":0.05484034471652087},{"text":"Maybe talk about updating your advice and removing and updating your portfolio if you're open to me doing that for you.","start":99.405,"end":105.505,"sentiment":"neutral","sentiment_score":0.08700289045061384}],"sentiment":"neutral","sentiment_score":-0.019846040690417892,"channel":0,"num_words":93,"start":77.08501,"end":105.505},{"sentences":[{"text":"Yes.","start":106.035,"end":106.5,"sentiment":"neutral","sentiment_score":0.08735732734203339},{"text":"A 100%.","start":106.58,"end":107.4,"sentiment":"neutral","sentiment_score":0.06629805034026504},{"text":"Anything that works anything that works better than what's currently there is not a bad thing.","start":107.46,"end":113.0,"sentiment":"positive","sentiment_score":0.40052957087755203}],"sentiment":"positive","sentiment_score":0.34886455589807347,"channel":1,"num_words":19,"start":106.035,"end":113.0},{"sentences":[{"text":"Yeah.","start":113.54,"end":114.020004,"sentiment":"positive","sentiment_score":0.5083858966827393},{"text":"Absolutely.","start":114.020004,"end":114.520004,"sentiment":"positive","sentiment_score":0.515476405620575},{"text":"No.","start":114.98,"end":115.22,"sentiment":"neutral","sentiment_score":0.26399752497673035},{"text":"Definitely.","start":115.22,"end":115.62,"sentiment":"positive","sentiment_score":0.3862876296043396},{"text":"And, look, it's a good time to do so because you've had that...","start":115.62,"end":118.020004,"sentiment":"positive","sentiment_score":0.4524800502336942}],"sentiment":"positive","sentiment_score":0.44449341823072996,"channel":0,"num_words":17,"start":113.54,"end":118.020004},{"sentences":[{"text":"The funds withdrawn from your Compassionate Ground, so that kind of rebuilding is super there for you.","start":118.020004,"end":122.68,"sentiment":"positive","sentiment_score":0.49318498898954954}],"sentiment":"positive","sentiment_score":0.49318498898954954,"channel":0,"num_words":17,"start":118.020004,"end":122.68},{"sentences":[{"text":"Yes.","start":122.564995,"end":123.064995,"sentiment":"positive","sentiment_score":0.34542810916900635}],"sentiment":"positive","sentiment_score":0.34542810916900635,"channel":1,"num_words":1,"start":122.564995,"end":123.064995},{"sentences":[{"text":"I wanna take sure as part of doing reviews, I have a look at the investments and kind of notice when things aren't working and what we maybe need to do to update.","start":123.14,"end":130.195,"sentiment":"neutral","sentiment_score":0.12950313898424307},{"text":"And this is much of an older portfolio as well, so it's probably a good time to go forward and update that for you.","start":130.195,"end":136.855,"sentiment":"neutral","sentiment_score":0.22599062820275626}],"sentiment":"neutral","sentiment_score":0.17012945023414336,"channel":0,"num_words":57,"start":123.14,"end":136.855},{"sentences":[{"text":"Yes.","start":137.4,"end":137.9,"sentiment":"neutral","sentiment_score":0.20486044883728027}],"sentiment":"neutral","sentiment_score":0.20486044883728027,"channel":1,"num_words":1,"start":137.4,"end":137.9},{"sentences":[{"text":"One of the things I wanted to sort of find out was more about a preference.","start":138.42,"end":141.79999,"sentiment":"neutral","sentiment_score":0.15705495607107878},{"text":"So so then along with a in equities investment, that was originally placed in your portfolio as an active manager, and you are in a high growth portfolio.","start":141.86,"end":150.36,"sentiment":"neutral","sentiment_score":0.138262462270047},{"text":"One of the things we sort of talked about last time was that you were comfortable being that high growth environment.","start":151.155,"end":157.09499,"sentiment":"neutral","sentiment_score":0.16523534485271998},{"text":"You were sort of thinking you probably want to keep working or wouldn't access business till about age 65.","start":157.39499,"end":163.015,"sentiment":"neutral","sentiment_score":0.14672237242522992},{"text":"Are you still comfortable being at a high growth environment?","start":163.8,"end":166.86,"sentiment":"neutral","sentiment_score":0.18142344281077386}],"sentiment":"neutral","sentiment_score":0.1537886168807745,"channel":0,"num_words":94,"start":138.42,"end":166.86},{"sentences":[{"text":"Are you still feeling like you're willing to take on more risk to get greater potential returns,","start":166.92001,"end":170.76001,"sentiment":"neutral","sentiment_score":0.11753954913686304}],"sentiment":"neutral","sentiment_score":0.11753954913686304,"channel":0,"num_words":17,"start":166.92001,"end":170.76001},{"sentences":[{"text":"Yep.","start":170.61,"end":171.11,"sentiment":"neutral","sentiment_score":0.044940702617168427}],"sentiment":"neutral","sentiment_score":0.044940702617168427,"channel":1,"num_words":1,"start":170.61,"end":171.11},{"sentences":[{"text":"or do you feel a bit more","start":170.76001,"end":172.3,"sentiment":"neutral","sentiment_score":-0.043074933013745716}],"sentiment":"neutral","sentiment_score":-0.043074933013745716,"channel":0,"num_words":7,"start":170.76001,"end":172.3},{"sentences":[{"text":"Well,","start":171.81,"end":172.31,"sentiment":"neutral","sentiment_score":-0.10002754628658296}],"sentiment":"neutral","sentiment_score":-0.10002754628658296,"channel":1,"num_words":1,"start":171.81,"end":172.31},{"sentences":[{"text":"like you'd want to reduce it somewhat?","start":172.44,"end":174.54001,"sentiment":"neutral","sentiment_score":-0.17081983813217708}],"sentiment":"neutral","sentiment_score":-0.17081983813217708,"channel":0,"num_words":7,"start":172.44,"end":174.54001},{"sentences":[{"text":"I don't want it to be I don't want it to be too conservative because then it will grow too slowly.","start":176.30501,"end":181.765,"sentiment":"neutral","sentiment_score":-0.27978395777089254},{"text":"So it it depends it it depends if there's, like, a a level playing field.","start":183.74501,"end":188.725,"sentiment":"neutral","sentiment_score":-0.007194196929534277},{"text":"I mean, I'm not really sure.","start":188.81,"end":190.67,"sentiment":"neutral","sentiment_score":-0.05802486029764017},{"text":"I mean, obviously, 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everything.","start":191.93,"end":197.37,"sentiment":"neutral","sentiment_score":-0.08681724198600825},{"text":"So","start":197.37,"end":197.87,"sentiment":"neutral","sentiment_score":0.03965558111667633}],"sentiment":"neutral","sentiment_score":-0.07979097403585911,"channel":1,"num_words":18,"start":191.93,"end":197.87},{"sentences":[{"text":"Yeah.","start":198.45999,"end":198.95999,"sentiment":"neutral","sentiment_score":0.08625507354736328},{"text":"And that's kind of the the the side of it that we wanna look at is making sure that you're in a portfolio where you're taking a certain degree of risk that you're comfortable taking in order to get those greater potential returns and encourage that growth a little bit more.","start":199.01999,"end":212.595,"sentiment":"neutral","sentiment_score":0.157785731057326},{"text":"But at the same time, as you get closer to accessing super, pulling back as appropriate, Taking on more risk and getting greater potential returns is great when the 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Nathan.","start":669.915,"end":673.115,"sentiment":"neutral","sentiment_score":0.18279788033528763}],"sentiment":"neutral","sentiment_score":0.23608840224535568,"channel":0,"num_words":23,"start":664.29,"end":673.115},{"sentences":[{"text":"Is that still appropriate?","start":673.115,"end":674.15497,"sentiment":"neutral","sentiment_score":0.1470680646598339},{"text":"You're still happy with that?","start":674.15497,"end":675.535,"sentiment":"neutral","sentiment_score":0.1373397648334503}],"sentiment":"neutral","sentiment_score":0.14166345364517635,"channel":0,"num_words":9,"start":673.115,"end":675.535},{"sentences":[{"text":"For the moment, that will 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November or December.","start":681.795,"end":685.715,"sentiment":"neutral","sentiment_score":0.052078245414627924},{"text":"So","start":685.715,"end":686.215,"sentiment":"neutral","sentiment_score":0.10519044101238252}],"sentiment":"neutral","sentiment_score":0.05738946497440338,"channel":1,"num_words":10,"start":681.795,"end":686.215},{"sentences":[{"text":"Yep.","start":686.88,"end":687.28,"sentiment":"neutral","sentiment_score":0.10066785663366318},{"text":"That's that's fine.","start":687.28,"end":688.34,"sentiment":"neutral","sentiment_score":0.13801394402980804},{"text":"November or December.","start":688.96,"end":690.08,"sentiment":"neutral","sentiment_score":0.05050519791742166},{"text":"No worries.","start":690.08,"end":690.48004,"sentiment":"neutral","sentiment_score":0.10113304108381271},{"text":"Did you want me at that 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time, which is seven your time.","start":904.425,"end":909.13995,"sentiment":"neutral","sentiment_score":0.05275580876817306},{"text":"Is that gonna be okay just to run through that updated","start":909.13995,"end":911.72,"sentiment":"neutral","sentiment_score":0.08001510528000919}],"sentiment":"neutral","sentiment_score":0.0657928636216599,"channel":0,"num_words":23,"start":904.425,"end":911.72},{"sentences":[{"text":"Yeah.","start":911.225,"end":911.465,"sentiment":"neutral","sentiment_score":0.06753590703010559},{"text":"That's fine.","start":911.465,"end":912.205,"sentiment":"neutral","sentiment_score":0.10457636788487434}],"sentiment":"neutral","sentiment_score":0.09222954759995143,"channel":1,"num_words":3,"start":911.225,"end":912.205},{"sentences":[{"text":"advice?","start":911.77997,"end":912.27997,"sentiment":"neutral","sentiment_score":0.05794127285480499}],"sentiment":"neutral","sentiment_score":0.05794127285480499,"channel":0,"num_words":1,"start":911.77997,"end":912.27997},{"sentences":[{"text":"Yeah.","start":912.8,"end":913.02,"sentiment":"neutral","sentiment_score":0.05182879418134689},{"text":"Yeah.","start":913.02,"end":913.24,"sentiment":"neutral","sentiment_score":0.0576758086681366},{"text":"Yeah.","start":913.24,"end":913.45996,"sentiment":"neutral","sentiment_score":0.05957765132188797}],"sentiment":"neutral","sentiment_score":0.05636075139045715,"channel":1,"num_words":3,"start":912.8,"end":913.45996},{"sentences":[{"text":"Yes.","start":913.38,"end":913.88,"sentiment":"neutral","sentiment_score":0.06125415489077568}],"sentiment":"neutral","sentiment_score":0.06125415489077568,"channel":0,"num_words":1,"start":913.38,"end":913.88},{"sentences":[{"text":"No.","start":913.45996,"end":913.68,"sentiment":"neutral","sentiment_score":0.04847811162471771},{"text":"That's fine.","start":913.68,"end":914.5,"sentiment":"neutral","sentiment_score":0.1479526311159134}],"sentiment":"neutral","sentiment_score":0.1147944579521815,"channel":1,"num_words":3,"start":913.45996,"end":914.5},{"sentences":[{"text":"Beautiful.","start":915.22,"end":915.69995,"sentiment":"positive","sentiment_score":0.513289213180542},{"text":"It won't take long.","start":915.69995,"end":916.57996,"sentiment":"positive","sentiment_score":0.40442588925361633},{"text":"It'll only be a nice quick call.","start":916.57996,"end":918.25995,"sentiment":"positive","sentiment_score":0.39634244782584055},{"text":"I will just send you the document, run through the changes, let you ask any questions, and that'll be","start":918.25995,"end":923.065,"sentiment":"neutral","sentiment_score":0.2846332819838273}],"sentiment":"neutral","sentiment_score":0.33269104073124545,"channel":0,"num_words":31,"start":915.22,"end":923.065},{"sentences":[{"text":"Yeah.","start":923.04,"end":923.54,"sentiment":"neutral","sentiment_score":0.10845211893320084}],"sentiment":"neutral","sentiment_score":0.10845211893320084,"channel":1,"num_words":1,"start":923.04,"end":923.54},{"sentences":[{"text":"Tuesday the twentieth at 6PM my time to 7PM your time.","start":923.065,"end":927.465,"sentiment":"neutral","sentiment_score":0.08677196164022792},{"text":"That's alright?","start":927.465,"end":928.205,"sentiment":"neutral","sentiment_score":0.13856085389852524}],"sentiment":"neutral","sentiment_score":0.09473948352611981,"channel":0,"num_words":13,"start":923.065,"end":928.205},{"sentences":[{"text":"No problem.","start":928.375,"end":928.575,"sentiment":"neutral","sentiment_score":0.07895850017666817},{"text":"No.","start":928.575,"end":928.695,"sentiment":"neutral","sentiment_score":-0.02424660325050354},{"text":"No.","start":928.695,"end":929.195,"sentiment":"neutral","sentiment_score":-0.026745591312646862},{"text":"What do you think?","start":929.335,"end":929.815,"sentiment":"neutral","sentiment_score":0.0013281730934977531},{"text":"Thank you","start":929.815,"end":930.215,"sentiment":"positive","sentiment_score":0.5163256525993347}],"sentiment":"neutral","sentiment_score":0.11448888033628464,"channel":1,"num_words":10,"start":928.375,"end":930.215},{"sentences":[{"text":"Beautiful.","start":930.185,"end":930.685,"sentiment":"positive","sentiment_score":0.5397695899009705}],"sentiment":"positive","sentiment_score":0.5397695899009705,"channel":0,"num_words":1,"start":930.185,"end":930.685},{"sentences":[{"text":"for that.","start":930.215,"end":930.875,"sentiment":"positive","sentiment_score":0.39239098131656647}],"sentiment":"positive","sentiment_score":0.39239098131656647,"channel":1,"num_words":2,"start":930.215,"end":930.875},{"sentences":[{"text":"No.","start":931.145,"end":931.465,"sentiment":"neutral","sentiment_score":0.013855945318937302},{"text":"That's okay.","start":931.465,"end":932.025,"sentiment":"neutral","sentiment_score":0.047214142978191376},{"text":"Wanna make sure we get that all done and adjusted for you.","start":932.025,"end":934.925,"sentiment":"neutral","sentiment_score":0.16083652464052042},{"text":"When I see these things, we need to get them all quickly.","start":934.985,"end":937.76,"sentiment":"neutral","sentiment_score":0.09105366856480639},{"text":"That way, you know, things will keep working for you.","start":937.76,"end":940.16003,"sentiment":"positive","sentiment_score":0.6458082735538483}],"sentiment":"neutral","sentiment_score":0.25916349419669527,"channel":0,"num_words":37,"start":931.145,"end":940.16003},{"sentences":[{"text":"That's the important part.","start":940.16003,"end":941.54004,"sentiment":"positive","sentiment_score":0.5018652230501175}],"sentiment":"positive","sentiment_score":0.5018652230501175,"channel":0,"num_words":4,"start":940.16003,"end":941.54004},{"sentences":[{"text":"Yes.","start":941.17004,"end":941.67004,"sentiment":"positive","sentiment_score":0.5984910130500793},{"text":"Wonderful.","start":942.45,"end":942.95,"sentiment":"positive","sentiment_score":0.8383039832115173}],"sentiment":"positive","sentiment_score":0.7183974981307983,"channel":1,"num_words":2,"start":941.17004,"end":942.95},{"sentences":[{"text":"Excellent.","start":944.08,"end":944.58,"sentiment":"positive","sentiment_score":0.8173694610595703},{"text":"Look.","start":944.64,"end":944.88,"sentiment":"positive","sentiment_score":0.683863639831543},{"text":"I will let you go, Paul.","start":944.88,"end":946.0,"sentiment":"positive","sentiment_score":0.6548281908035278},{"text":"Thank you so much for taking my call.","start":946.0,"end":947.76,"sentiment":"positive","sentiment_score":0.855707935988903},{"text":"I really appreciate your time, and I'll talk to you on the twentieth at 7PM your time.","start":947.76,"end":952.855,"sentiment":"positive","sentiment_score":0.6302939057350159}],"sentiment":"positive","sentiment_score":0.6966927918520841,"channel":0,"num_words":33,"start":944.08,"end":952.855},{"sentences":[{"text":"Cheers, hon.","start":953.745,"end":954.22504,"sentiment":"positive","sentiment_score":0.5335837006568909},{"text":"Thank you.","start":954.22504,"end":954.625,"sentiment":"positive","sentiment_score":0.7376960515975952},{"text":"I appreciate that.","start":954.625,"end":955.84503,"sentiment":"positive","sentiment_score":0.7021870811780294}],"sentiment":"positive","sentiment_score":0.6641601068632943,"channel":1,"num_words":7,"start":953.745,"end":955.84503},{"sentences":[{"text":"No no problem at all.","start":956.59503,"end":958.115,"sentiment":"positive","sentiment_score":0.6155185580253602},{"text":"Enjoy your night.","start":958.115,"end":959.255,"sentiment":"positive","sentiment_score":0.7483017245928446}],"sentiment":"positive","sentiment_score":0.6653122454881668,"channel":0,"num_words":8,"start":956.59503,"end":959.255},{"sentences":[{"text":"You too.","start":959.98505,"end":960.72504,"sentiment":"positive","sentiment_score":0.48401060700416565},{"text":"Be","start":961.185,"end":961.505,"sentiment":"positive","sentiment_score":0.4778703451156616}],"sentiment":"positive","sentiment_score":0.481963853041331,"channel":1,"num_words":3,"start":959.98505,"end":961.505},{"sentences":[{"text":"Thanks,","start":961.475,"end":961.975,"sentiment":"positive","sentiment_score":0.555469274520874}],"sentiment":"positive","sentiment_score":0.555469274520874,"channel":0,"num_words":1,"start":961.475,"end":961.975},{"sentences":[{"text":"down.","start":961.505,"end":961.905,"sentiment":"positive","sentiment_score":0.5553756356239319},{"text":"Bye.","start":961.905,"end":962.405,"sentiment":"neutral","sentiment_score":0.2922564148902893}],"sentiment":"positive","sentiment_score":0.4238160252571106,"channel":1,"num_words":2,"start":961.505,"end":962.405},{"sentences":[{"text":"Paul.","start":962.035,"end":962.435,"sentiment":"neutral","sentiment_score":0.12072187662124634},{"text":"Talk soon.","start":962.435,"end":963.155,"sentiment":"neutral","sentiment_score":0.14712193235754967},{"text":"Bye.","start":963.155,"end":963.655,"sentiment":"neutral","sentiment_score":-0.10813374072313307}],"sentiment":"neutral","sentiment_score":0.07670800015330315,"channel":0,"num_words":4,"start":962.035,"end":963.655}]},"summary":{"result":"success","short":"A representative from IC Financial called Paul to discuss his underperforming investment portfolio and the possibility of reducing risk levels to increase growth. They suggest keeping an active manager in the portfolio and reducing fees to save on fees. The speaker discusses the risks of the high growth portfolio and the possibility of a return to the high growth portfolio if the market is not performing well. They also discuss the customer's financial information and beneficiary with the agent and schedule a call to review the information and update their beneficiary."},"intents":{"segments":[{"text":"The reason I've kind of wanted to have you booked in today is that I've been having a look at things for you. I know you've gone through your compassionate grounds release recently, which is great, but I've sort of had a bit of a look at your super and found that there's an underperforming investment so I'd really like to maybe update and have changed for you.","start_word":194,"end_word":261,"intents":[{"intent":"Change investment strategy","confidence_score":0.00039552612}]},{"text":"I wanna take sure as part of doing reviews, I have a look at the investments and kind of notice when things aren't working and what we maybe need to do to update. And this is much of an older portfolio as well, so it's probably a good time to go forward and update that for you. Yes.","start_word":410,"end_word":467,"intents":[{"intent":"Update portfolio","confidence_score":0.060879786}]},{"text":"What would you like?","start_word":980,"end_word":983,"intents":[{"intent":"Analyze portfolio options","confidence_score":0.0531371}]},{"text":"And, look, honestly, with that seven to eight year mark, that is generally when most clients are wanting to kind of pull things back a little bit and start to reduce their risk.","start_word":1091,"end_word":1123,"intents":[{"intent":"Reduce risk","confidence_score":0.05308266}]},{"text":"maybe update the portfolio and keep you high growth until January and we could reassess it then? Or do you want me to just move you back a little bit, maybe reduce the risk level by 10% and see what that does for you? No.","start_word":1158,"end_word":1202,"intents":[{"intent":"Maintain high growth","confidence_score":0.18198101},{"intent":"Review portfolio and determine optimal investment","confidence_score":0.000011850308},{"intent":"Determine portfolio size","confidence_score":0.0007407833}]},{"text":"I don't want this to be in your portfolio any longer. We're trying to sort of make it work a bit harder and move those underperforming investments currently.","start_word":1282,"end_word":1309,"intents":[{"intent":"Remove bang on investment","confidence_score":0.12796283}]},{"text":"pay a bit more in the way of fees to have those investments in your portfolio.","start_word":1360,"end_word":1375,"intents":[{"intent":"Consider fee payment","confidence_score":0.00035595195}]},{"text":"That's fine with me too. Yeah. Which one? Sorry.","start_word":1409,"end_word":1417,"intents":[{"intent":"Confirm understanding","confidence_score":0.037849497}]},{"text":"I'll just note that we'll look at the next sort of five to ten years for you to see where there's tracking, and then we'll Yep. kind of just catch up in January again and see how things are tracking through your annual review. And then we'll kinda just take it every few months from there to see how you're going and when you wanna start reducing the risk level a little bit. How does that sound?","start_word":1550,"end_word":1626,"intents":[{"intent":"Monitor portfolio progress","confidence_score":0.026949799}]},{"text":"Now because your super is a bit lower at the moment, are you managing to put much away? Are you wanting to maybe look at extra contributions to kind of build on that moving Not at this moment forward?","start_word":1822,"end_word":1860,"intents":[{"intent":"Evaluate super finances","confidence_score":0.001295933}]},{"text":"And then just the other thing is just double checking with your insurance. Year, I've got your your life and CBD cover. You still got the same level from last time. So it's a $123,009.93. Showing here you don't have any income protection or trauma. Are you still happy with the level of insurance cover that you have?","start_word":2203,"end_word":2260,"intents":[{"intent":"Review insurance","confidence_score":0.009923874}]},{"text":"What I'll do is I'll quickly book in another time to... In a few weeks just to come back and review the advice document. Now you've mentioned you're going away on the twenty fourth. Could I maybe book you into the afternoon of maybe Wednesday, the twenty first to go through the advice document? Would that be okay? Yeah.","start_word":2534,"end_word":2592,"intents":[{"intent":"Book appointment","confidence_score":0.6062326}]}]},"sentiments":{"segments":[{"text":"Hi, Paul. This is Dana from IC Financial. How are you today? Not too bad. Yourself?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.1766914576292038},{"text":"I'm very well. Thank you.","start_word":16,"end_word":20,"sentiment":"positive","sentiment_score":0.6258700489997864},{"text":"I just had to book in for a bit of a catch up. Is now still a good time there for you? Yeah. I've got about twenty minutes or so up, I believe, so that should be fine. Yes. No. That's absolutely fine. Not a problem at all. Before I jump into the call, just to let you know, with your recall, the call for quality and training purposes, are you happy to proceed with that? Yes. Of course. That's fine. Legend. And just to do a quick security check there for you. So I'll just expand your full name, your date of birth, and address I should have on file for you. It's full sleeve bar, 18 Yep. Escape Drive Doreen, 17th To the 12th 1969.","start_word":21,"end_word":147,"sentiment":"neutral","sentiment_score":0.14692826569080353},{"text":"Wonderful. Thank you so much for that.","start_word":148,"end_word":154,"sentiment":"positive","sentiment_score":0.6845433115959167},{"text":"So, Paul, when we did get any review back in January, I may have mentioned we wanted to do a bit more in the way of catch up to make sure that we're giving you more of an update. The reason I've kind of wanted to have you booked in today is that I've been having a look at things for you. I know you've gone through your compassionate grounds release recently, which is great, but I've sort of had a bit of a look at your super and found that there's an underperforming investment so I'd really like to maybe update and have changed for you. Yep. Just sort of having a look at things, you had originally an actively managed fund in there for Benelon Australian Equities. And whilst we have seen lots of ups and downs in the market this year, but everything has been going on globally, that investment seems to be underperforming pretty heavily within your superannuation fund. So I kind of wanted to touch base with you to have a bit of a chat. Maybe talk about updating your advice and removing and updating your portfolio if you're open to me doing that for you. Yes. A 100%.","start_word":155,"end_word":358,"sentiment":"neutral","sentiment_score":-0.0011804974637925625},{"text":"Anything that works anything that works better than what's currently there is not a bad thing. Yeah. Absolutely.","start_word":359,"end_word":376,"sentiment":"positive","sentiment_score":0.42012882232666016},{"text":"No.","start_word":377,"end_word":377,"sentiment":"neutral","sentiment_score":0.26399752497673035},{"text":"Definitely. And, look, it's a good time to do so because you've had that... The funds withdrawn from your Compassionate Ground, so that kind of rebuilding is super there for you. Yes.","start_word":378,"end_word":409,"sentiment":"positive","sentiment_score":0.4481150805950165},{"text":"I wanna take sure as part of doing reviews, I have a look at the investments and kind of notice when things aren't working and what we maybe need to do to update. And this is much of an older portfolio as well, so it's probably a good time to go forward and update that for you. Yes. One of the things I wanted to sort of find out was more about a preference. So so then along with a in equities investment, that was originally placed in your portfolio as an active manager, and you are in a high growth portfolio. One of the things we sort of talked about last time was that you were comfortable being that high growth environment. You were sort of thinking you probably want to keep working or wouldn't access business till about age 65. Are you still comfortable being at a high growth environment? Are you still feeling like you're willing to take on more risk to get greater potential returns, Yep. or do you feel a bit more Well, like you'd want to reduce it somewhat? I don't want it to be I don't want it to be too conservative because then it will grow too slowly. So it it depends it it depends if there's, like, a a level playing field. I mean, I'm not really sure. I mean, obviously, the Yeah. higher the growth, the better, but you also don't wanna take too many chances and lose everything. So Yeah. And that's kind of the the the side of it that we wanna look at is making sure that you're in a portfolio where you're taking a certain degree of risk that you're comfortable taking in order to get those greater potential returns and encourage that growth a little bit more. But at the same time, as you get closer to accessing super, pulling back as appropriate, Taking on more risk and getting greater potential returns is great when the market is good, but it also means that you're increasing the risk of a downside event.","start_word":410,"end_word":756,"sentiment":"neutral","sentiment_score":0.06579667475793823},{"text":"So when the market isn't performing well, taking more risk means you'll feel that downside a little bit more as well.","start_word":757,"end_word":777,"sentiment":"negative","sentiment_score":-0.34944671392440796},{"text":"Yeah. With with the high growth portfolio that you're in at the moment, that high growth environment with that ninety ten sort of split between growth and the sensitive investment, growth investments are like shares, commodities, and property where you do see big fluctuations, and then that environment normally is 10% in that lower kind of risk area like cash, bonds, and fixed interest. This sort of portfolio generally fit someone who is has more than eight years ahead of them before accessing their super because we understand the likelihood of a negative return is expected, generally, one in every five years. You're looking to try and obtain a long dated compounding return of eight to 10 over that time per year. You could stay in that for a little bit longer, but I sort of had a look at things. And, realistically, if you still wanna access sleep out of that age 65, It's realistically from December this year when your birthday comes around, only giving you about seven years. Do you feel like it might be time to pull things back a little bit, or do you wanna stay in that high growth until January when we review things again? What would you like? I'm turning 67, so that's... Isn't that Oh, eight you are. years? I'm so sorry. My... Yeah. No. No. That's Sorry. okay. My apologies. I got the wrong year in here. My... Sorry. I calculated in 2026, and it came out '57, and I assumed December. Linda, you're absolutely fine. Sorry. No.","start_word":778,"end_word":1035,"sentiment":"neutral","sentiment_score":0.012803280726075172},{"text":"I hate to make you a year older than you really are. That's not fair in any way, people form.","start_word":1036,"end_word":1055,"sentiment":"negative","sentiment_score":-0.3630092442035675},{"text":"It really doesn't matter. You know, between '56 and 57, it is not a big deal. So it's not like she No. called me No. 80 Yeah. 82 or something, so it's fine. No. Absolutely. And, look, honestly, with that seven to eight year mark, that is generally when most clients are wanting to kind of pull things back a little bit and start to reduce their risk. But it's also an individual decision because you've had that withdrawal.","start_word":1056,"end_word":1134,"sentiment":"neutral","sentiment_score":0.14186343182868597},{"text":"Because your balance is a little bit lower, we also wanna entice it to grow some more.","start_word":1135,"end_word":1151,"sentiment":"positive","sentiment_score":0.4449174404144287},{"text":"Did you want me to Yes. maybe update the portfolio and keep you high growth until January and we could reassess it then? Or do you want me to just move you back a little bit, maybe reduce the risk level by 10% and see what that does for you? No. Let's keep it till January, February because my Yep. because my Subaru is is incredibly low compared to other people my age. Yeah. You know? I've got I've got a fair bit of catch up to do. So, you know, Yep. if if it if it if it increases, then that's a bonus. Yeah. Absolutely.","start_word":1152,"end_word":1257,"sentiment":"neutral","sentiment_score":0.08601751923561096},{"text":"Perfect.","start_word":1258,"end_word":1258,"sentiment":"positive","sentiment_score":0.3750683069229126},{"text":"Now did you want me to sort of look at... We do have ways... Because I definitely wanna remove that bang along investment. I don't want this to be in your portfolio any longer. We're trying to sort of make it work a bit harder and move those underperforming investments currently. That investment, as I mentioned before, is an actively managed fund. To have an active manager in your portfolio, they're supposed to be trying to buy and sell and time the market and outperform against the market, and active managers can't honestly do that every year. And you do Yes. pay a bit more in the way of fees to have those investments in your portfolio. Would you like me to keep an active manager in there, or would you like me to maybe pull back the risk level and look at maybe reducing fees in your portfolio? Yep. That's fine with me too. Yeah. Which one? Sorry. Well, I mean, if you're... Is it a is it a two way street? Like, if I keep the if I keep the risk at its level, do we need to keep the... Active manager? Sorry. What did you call them? Yeah. Yeah. So do we need to keep the active manager if we keep the risk level the same? Absolutely not. No. So I have access to investments where I could remove that active investment manager out of there. I could put you into maybe a cheaper portfolio to save on some of the fees where possible, but Yep. still keep That's that fine high with growth me. environment for you. Yeah. Yep.","start_word":1259,"end_word":1531,"sentiment":"neutral","sentiment_score":-0.04179507015006883},{"text":"Beautiful. That's fine with me.","start_word":1532,"end_word":1536,"sentiment":"positive","sentiment_score":0.4455667734146118},{"text":"Yes. Yeah.","start_word":1537,"end_word":1538,"sentiment":"neutral","sentiment_score":0.27959269285202026},{"text":"Beautiful. Excellent. And I'll keep that high growth ninety, ten split.","start_word":1539,"end_word":1549,"sentiment":"positive","sentiment_score":0.4275947511196137},{"text":"I'll just note that we'll look at the next sort of five to ten years for you to see where there's tracking, and then we'll Yep. kind of just catch up in January again and see how things are tracking through your annual review. And then we'll kinda just take it every few months from there to see how you're going and when you wanna start reducing the risk level a little bit. How does that sound? Yep. That's fine.","start_word":1550,"end_word":1629,"sentiment":"neutral","sentiment_score":0.1473478078842163},{"text":"That sounds good, actually. Beautiful.","start_word":1630,"end_word":1634,"sentiment":"positive","sentiment_score":0.6340073943138123},{"text":"What I can also do for you is I can also put in the appendices just a comparison against the recommended changes, but also in the growth portfolio just to see the... Show you the difference between the high growth and the growth. Would you like that? In regards to... What do you mean? As in, like, an email or what do you mean? No. So when I provide the advice document and we go through that with my recommendations, that'll all be with the high growth portfolio. But I can quick comparison, do the extra research for the growth portfolio, which is just dropping down that risk level. No worry about that. You're happy with that?","start_word":1635,"end_word":1751,"sentiment":"neutral","sentiment_score":0.05457570031285286},{"text":"You're absolutely fine. That's not a problem at all.","start_word":1752,"end_word":1760,"sentiment":"positive","sentiment_score":0.4029791653156281},{"text":"The only other thing just to kinda double check is just a few things to make sure the advice is appropriate income wise. I had you on. You were doing five days a week full time hours, $36 per hour there. Is that still fairly accurate? That is accurate. Yes. Yeah.","start_word":1761,"end_word":1811,"sentiment":"neutral","sentiment_score":0.08749207854270935},{"text":"Beautiful. Fantastic. I've also got here a savings wise.","start_word":1812,"end_word":1820,"sentiment":"positive","sentiment_score":0.4530028998851776},{"text":"Now because your super is a bit lower at the moment, are you managing to put much away? Are you wanting to maybe look at extra contributions to kind of build on that moving Not at this moment forward? because we're we're looking at another overseas trip. So Yep. we'll probably wait until after that overseas trip, and then we'll we'll assess it there. When... That's okay. When's that check gonna be? At the end of this month, we're going for two weeks.","start_word":1821,"end_word":1903,"sentiment":"neutral","sentiment_score":-0.042424242943525314},{"text":"Fantastic.","start_word":1904,"end_word":1904,"sentiment":"positive","sentiment_score":0.5858117341995239},{"text":"At the end of this month.","start_word":1905,"end_word":1910,"sentiment":"neutral","sentiment_score":0.32431694865226746},{"text":"Beautiful.","start_word":1911,"end_word":1911,"sentiment":"positive","sentiment_score":0.5688715577125549},{"text":"So what I'll do is I'll aim to get this advice done before you go away. That way, it's all done and dusted for you. Yep. Yeah. We leave on the twenty fourth, and we're back on the seventh. Okay. Beautiful. Not a problem So at all. Other assets, just to make sure I've got everything correct here, is the the Isuzu that you have... The MUS you have, asset value 35,000. Would you change that at all? No. No. That would still be around the same. Yes. Yep.","start_word":1912,"end_word":2000,"sentiment":"neutral","sentiment_score":0.10464240610599518},{"text":"Fantastic.","start_word":2001,"end_word":2001,"sentiment":"positive","sentiment_score":0.4089304804801941},{"text":"I've got rent sitting at $11,992 per month. That still correct? That's still correct. Yes. Yep.","start_word":2002,"end_word":2017,"sentiment":"neutral","sentiment_score":0.1587340086698532},{"text":"Beautiful.","start_word":2018,"end_word":2018,"sentiment":"positive","sentiment_score":0.3644963502883911},{"text":"And I've got here content rough valuation about 120,000. Does that still sound accurate? That would still sound accurate. Yes. Yes.","start_word":2019,"end_word":2039,"sentiment":"neutral","sentiment_score":0.120617613196373},{"text":"Fantastic. Excellent.","start_word":2040,"end_word":2041,"sentiment":"positive","sentiment_score":0.5096712112426758},{"text":"I've also got here just with your beneficiary nomination. I've got down here that is a 100% your son, Nathan. Is that still appropriate? You're still happy with that? For the moment, that will eventually Yep. change, but Yep. I'll probably change that either in November or December. So Yep. That's that's fine. November or December. No worries. Did you want me at that time? I can send you an email probably mid November if you like just to double check if you want me to update that beneficiary for you. Yeah. That's fine with me.","start_word":2042,"end_word":2137,"sentiment":"neutral","sentiment_score":0.13081932067871094},{"text":"Yeah. Beautiful.","start_word":2138,"end_word":2139,"sentiment":"positive","sentiment_score":0.4282940328121186},{"text":"Just to make it so you don't have to ring me, I can sort of prompt myself to email you or catch up with you just to say, hey. You mentioned you wanted to do this. Is now the right time? And if it's not, you can just let me know just to hold off. That's absolutely fine. Yeah. Not a problem.","start_word":2140,"end_word":2201,"sentiment":"neutral","sentiment_score":0.13250942552281963},{"text":"Excellent.","start_word":2202,"end_word":2202,"sentiment":"positive","sentiment_score":0.6302363872528076},{"text":"And then just the other thing is just double checking with your insurance. Year, I've got your your life and CBD cover. You still got the same level from last time. So it's a $123,009.93. Showing here you don't have any income protection or trauma. Are you still happy with the level of insurance cover that you have? Are you wanting to review any No. It's fine. Because stay as it is. Thank you. of that? There is. Yes. That's okay. I'll make sure to bring it all up and review it again with you in January when we do the annual Yeah. review.","start_word":2203,"end_word":2306,"sentiment":"neutral","sentiment_score":0.06458475440740585},{"text":"Easy. Perfect.","start_word":2307,"end_word":2308,"sentiment":"positive","sentiment_score":0.43980348110198975},{"text":"So just to kinda recap there for you, Paul, I'm gonna go back, review your super and the portfolio, Yep. keep you in that high growth environment in 9010 split. We'll look at the next five to ten years, see where that's going. You're happy with the beneficiaries. No change of the insurances at all, and we're not doing contributions currently, and your income is at the same level as it was. Am I on the right track? Have I missed anything at all? You have not. That was that was very good.","start_word":2309,"end_word":2401,"sentiment":"neutral","sentiment_score":0.14102528989315033},{"text":"Fantastic.","start_word":2402,"end_word":2402,"sentiment":"positive","sentiment_score":0.5199611186981201},{"text":"And is there any other questions or anything else you might need from me at the moment at all? Not at this present time. That all seems good. Yep. Beautiful. I'm just having a quick look here. I've also looked down in retirement. You're still hoping to draw about $800 per week for a comfortable retirement. Does that still sound fairly appropriate? That depends on how long I can do that for, but 800 a Yep. week would be good. Yeah. Yeah.","start_word":2403,"end_word":2484,"sentiment":"neutral","sentiment_score":0.06920026987791061},{"text":"Beautiful.","start_word":2485,"end_word":2485,"sentiment":"positive","sentiment_score":0.368721604347229},{"text":"Well, leave that with me. I will definitely look at it. And down the track, we'll also look at age pension and other areas that we can kind of help you out in down the track as well. Okay?","start_word":2486,"end_word":2524,"sentiment":"neutral","sentiment_score":0.19445841014385223},{"text":"Wonderful. Excellent. Look. Thank you so much, Paul.","start_word":2525,"end_word":2532,"sentiment":"positive","sentiment_score":0.5378749966621399},{"text":"What I'll do is I'll quickly book in another time to... In a few weeks just to come back and review the advice document. Now you've mentioned you're going away on the twenty fourth. Could I maybe book you into the afternoon of maybe Wednesday, the twenty first to go through the advice document? Would that be okay? Yeah. That should be fine. That should be fine. Yeah.","start_word":2533,"end_word":2600,"sentiment":"neutral","sentiment_score":0.05718393996357918},{"text":"That should be fine. Beautiful.","start_word":2601,"end_word":2605,"sentiment":"positive","sentiment_score":0.4028007388114929},{"text":"What time suits you?","start_word":2606,"end_word":2609,"sentiment":"neutral","sentiment_score":0.24379244446754456},{"text":"I'm happy to do a later call.","start_word":2610,"end_word":2616,"sentiment":"positive","sentiment_score":0.3942075669765472},{"text":"What time suits you the best? Anytime after five. Easy. So what if I pop it in there for 05:30 for you? Oh, hang on a minute. Was that a Wednesday? Yes. It is. You wanna do it the... Can you do it the Tuesday before? The Tuesday before, that will be the Or twentieth. the Thursday or the or the Thursday after. Either one. I'm busy the Wednesday No. That's night. it. That's all. No. That's absolutely fine. So the Wednesday is the twenty first, and you're going away... The twenty fourth? The... But I'm gonna be Yes. busy that Wednesday seeing family. So No. if we That's can do absolutely it either fine. the Tuesday or the Thursday. Yeah. Yeah. Absolutely fine. So the Thursday, I am fully booked up, unfortunately, but I could do the Tuesday. That's fine. It would be probably 06:00 Queensland time, which is seven your time. Is that gonna be okay just to run through that updated Yeah. That's fine. advice? Yeah. Yeah. Yeah. Yes. No. That's fine.","start_word":2617,"end_word":2791,"sentiment":"neutral","sentiment_score":0.036339886486530304},{"text":"Beautiful. It won't take long. It'll only be a nice quick call.","start_word":2792,"end_word":2803,"sentiment":"positive","sentiment_score":0.4038388431072235},{"text":"I will just send you the document, run through the changes, let you ask any questions, and that'll be Yeah. Tuesday the twentieth at 6PM my time to 7PM your time. That's alright? No problem. No. No. What do you think?","start_word":2804,"end_word":2844,"sentiment":"neutral","sentiment_score":0.15554527938365936},{"text":"Thank you Beautiful. for that.","start_word":2845,"end_word":2849,"sentiment":"positive","sentiment_score":0.467713862657547},{"text":"No. That's okay. Wanna make sure we get that all done and adjusted for you. When I see these things, we need to get them all quickly.","start_word":2850,"end_word":2876,"sentiment":"neutral","sentiment_score":0.10819987952709198},{"text":"That way, you know, things will keep working for you. That's the important part. Yes. Wonderful. Excellent. Look. I will let you go, Paul. Thank you so much for taking my call. I really appreciate your time, and I'll talk to you on the twentieth at 7PM your time. Cheers, hon. Thank you. I appreciate that. No no problem at all. Enjoy your night. You too. Be Thanks, down.","start_word":2877,"end_word":2945,"sentiment":"positive","sentiment_score":0.6462101936340332},{"text":"Bye. Paul. Talk soon. Bye.","start_word":2946,"end_word":2950,"sentiment":"neutral","sentiment_score":0.17439736425876615}],"average":{"sentiment":"neutral","sentiment_score":0.0987314042364188}}}}